| 12/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Citi continues to violate my consumer rights. This is an open ended consumer credit plan and Citi terminated the account. Citi continues to supply inaccurate information to XXXX about this account. The account is showing open and terminated which is impossible. Furthermore any balance on the account must be returned to the consumer since it was my letter of credit that funded this credit sale and I have received no proceeds or consideration during this mutual credit arrangement.
12 CFR 1026.11 - Treatment of credit balances ; account termination.
CFR State Regulations prev | next 1026.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit
balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
( b ) Account termination.
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.
( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
( c ) Timely settlement of estate debts ( 1 ) General rule.
( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.
( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.
( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.
( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.
( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).
15 U.S. Code 1637 - Open end consumer credit plans U.S. Code Notes prev | next ( a ) Required disclosures by creditor Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( 1 ) The conditions under which a finance charge may be imposed, including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge, except that the creditor may, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact.
( 2 ) The method of determining the balance upon which a finance charge will be imposed.
( 3 ) The method of determining the amount of the finance charge, including any minimum or fixed amount imposed as a finance charge.
( 4 ) Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.
( 5 ) Identification of other charges which may be imposed as part of the plan, and their method of computation, in accordance with regulations of the Bureau.
( 6 ) In cases where the credit is or will be secured, a statement that a security interest has been or will be taken in ( A ) the property purchased as part of the credit transaction, or ( B ) property not purchased as part of the credit transaction identified by item or type.
( 7 ) A statement, in a form prescribed by regulations of the Bureau of the protection provided by sections 1666 and 1666i of this title to an obligor and the creditors responsibilities under sections 1666a and 1666i of this title. With respect to one billing cycle per calendar year, at intervals of not less than six months or more than eighteen months, the creditor shall transmit such statement to each obligor to whom the creditor is required to transmit a statement pursuant to subsection ( b ) for such billing cycle.
( 8 ) In the case of any account under an open end consumer credit plan which provides for any extension of credit which is secured by the consumers principal dwelling, any information which ( A ) is required to be disclosed under section 1637a ( a ) of this title; and ( B ) the Bureau determines is not described in any other paragraph of this subsection.
( b ) Statement required with each billing cycle The creditor of any account under an open end consumer credit plan shall transmit to the obligor, for each billing cycle at the end of which there is an outstanding balance in that account or with respect to which a finance charge is imposed, a statement setting forth each of the following items to the extent applicable : ( 1 ) The outstanding balance in the account at the beginning of the statement period.
( 2 ) The amount and date of each extension of credit during the period, and a brief identification, on or accompanying the statement of each extension of credit in a form prescribed by the Bureau sufficient to enable the obligor either to identify the transaction or to relate it to copies of sales vouchers or similar instruments previously furnished, except that a creditors failure to disclose such information in accordance with this paragraph shall not be deemed a failure to comply with this part or this subchapter if ( A ) the creditor maintains procedures reasonably adapted to procure and provide such information, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title. In lieu of complying with the requirements of the previous sentence, in the case of any transaction in which the creditor and seller are the same person, as defined by the Bureau, and such persons open end credit plan has fewer than 15,000 accounts, the creditor may elect to provide only the amount and date of each extension of credit during the period and the sellers name and location where the transaction took place if ( A ) a brief identification of the transaction has been previously furnished, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title.
( 3 ) The total amount credited to the account during the period.
( 4 ) The amount of any finance charge added to the account during the period, itemized to show the amounts, if any, due to the application of percentage rates and the amount, if any, imposed as a minimum or fixed charge.
( 5 ) Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and, unless the annual percentage rate ( determined under section 1606 ( a ) ( 2 ) of this title ) is required to be disclosed pursuant to paragraph ( 6 ), the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.
( 6 ) Where the total finance charge exceeds 50 cents for a monthly or longer billing cycle, or the pro rata part of 50 cents for a billing cycle shorter than monthly, the total finance charge expressed as an annual percentage rate ( determined under section 1606 ( a ) ( 2 ) of this title ), except that if the finance charge is the sum of two or more products of a rate times a portion of the balance, the creditor may, in lieu of disclosing a single rate for the total charge, disclose each such rate expressed as an annual percentage rate, and the part of the balance to which it is applicable.
( 7 ) The balance on which the finance charge was computed and a statement of how the balance was determined. If the balance is determined without first deducting all credits during the period, that fact and the amount of such payments shall also be disclosed.
( 8 ) The outstanding balance in the account at the end of the period.
( 9 ) The date by which or the period ( if any ) within which, payment must be made to avoid additional finance charges, except that the creditor may, at his election and without disclosure, impose no such additional finance charge if payment is received after such date or the termination of such period.
( 10 ) The address to be used by the creditor for the purpose of receiving billing inquiries from the obligor.
( 11 ) ( A ) A written statement in the following form : Minimum Payment Warning : Making only the minimum payment will increase the amount of interest you pay and the time it takes to repay your balance., or such similar statement as is established by the Bureau pursuant to consumer testing.
( B ) Repayment information that would apply to the outstanding balance of the consumer under the credit plan, including ( i ) the number of months ( rounded to the nearest month ) that it would take to pay the entire amount of that balance, if the consumer pays only the required minimum monthly payments and if no further advances are made ; ( ii ) the total cost to the consumer, including interest and principal payments, of paying that balance in full, if the consumer pays only the required minimum monthly payments and if no further advances are made ; ( iii ) the monthly payment amount that would be required for the consumer to eliminate the outstanding balance in 36 months, if no further advances are made, and the total cost to the consumer, including interest and principal payments, of paying that balance in full if the consumer pays the balance over 36 months ; and ( iv ) a toll-free telephone number at which the consumer may receive information about accessing credit counseling and debt management services.
( C ) ( i ) Subject to clause ( ii ), in making the disclosures under subparagraph ( B ), the creditor shall apply the interest rate or rates in effect on the date on which the disclosure is made until the date on which the balance would be paid in full.
( ii ) If the interest rate in effect on the date on which the disclosure is made is a temporary rate that will change under a contractual provision applying an index or formula for subsequent interest rate adjustment, the creditor shall apply the interest rate in effect on the date on which the disclosure is made for as long as that interest rate will apply under that contractual provision, and then apply an interest rate based on the index or formula in effect on the applicable billing date.
( D ) All of the information described in subparagraph ( B ) shall ( i ) be disclosed in the form and manner which the Bureau shall prescribe, by regulation, and in a manner that avoids duplication ; and ( ii ) be placed in a conspicuous and prominent location on the billing statement.
( E ) In the regulations prescribed under subparagraph ( D ), the Bureau shall require that the disclosure of such information shall be in the form of a table that ( i ) contains clear and concise headings for each item of such information; and ( ii ) provides a clear and concise form stating each item of information required to be disclosed under each such heading.
( F ) In prescribing the form of the table under subparagraph ( E ), the Bureau shall require that ( i ) all of the information in the table, and not just a reference to the table, be placed on the billing statement, as required by this paragraph ; and ( ii ) the items required to be included in the table shall be listed in the order in which such items are set forth in subparagraph ( B ).
( G ) In prescribing the form of the table under subparagraph ( D ), the Bureau shall employ terminology which is different than the terminology which is employed in subparagraph ( B ), if such terminology is more easily understood and conveys substantially the same meaning.
( 12 ) Requirements relating to late payment deadlines and penalties.
( A ) Late payment deadline required to be disclosed.
In the case of a credit card account under an open end consumer credit plan under which a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment, the periodic statement required under subsection ( b ) with respect to the account shall include, in a conspicuous location on the billing statement, the date on which the payment is due or, if different, the date on which a late payment fee will be charged, together with the amount of the fee or charge to be imposed if payment is made after that date.
( B ) Disclosure of increase in interest rates for late payments.
If 1 or more late payments under an open end consumer credit plan may result in an increase in the annual percentage rate applicable to the account, the statement required under subsection ( b ) with respect to the account shall include conspicuous notice of such fact, together with the applicable penalty annual percentage rate, in close proximity to the disclosure required under subparagraph ( A ) of the date on which payment is due under the terms of the account.
( C ) Payments at local branches.
If the creditor, in the case of a credit card account referred to in subparagraph ( A ), is a financial institution which maintains branches or offices at which payments on any such account are accepted from the obligor in person, the date on which the obligor makes a payment on the account at such branch or office shall be considered to be the date on which the payment is made for purposes of determining whether a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment.
( c ) Disclosure in credit and charge card applications and solicitations ( 1 ) Direct mail applications and solicitations ( A ) Information in tabular format Any application to open a credit card account for any person under an open end consumer credit plan, or a solicitation to open such an account without requiring an application, that is mailed to consumers shall disclose the following information, subject to subsection ( e ) and section 1632 ( c ) of this title : ( i ) Annual percentage rates ( I ) Each annual percentage rate applicable to extensions of credit under such credit plan.
( II ) Where an extension of credit is subject to a variable rate, the fact that the rate is variable, the annual percentage rate in effect at the time of the mailing, and how the rate is determined.
( III ) Where more than one rate applies, the range of balances to which each rate applies.
( ii ) Annual and other fees ( I ) Any annual fee, other periodic fee, or membership fee imposed for the issuance or availability of a credit card, including any account maintenance fee or other charge imposed based on activity or inactivity for the account during the billing cycle.
( II ) Any minimum finance charge imposed for each period during which any extension of credit which is subject to a finance charge is outstanding.
( III ) Any transaction charge imposed in connection with use of the card to purchase goods or services.
( iii ) Grace period ( I ) The date by which or the period within which any credit extended under such credit plan for purchases of goods or services must be repaid to avoid incurring a finance charge, and, if no such period is offered, such fact shall be clearly stated.
( II ) If the length of such grace period varies, the card issuer may disclose the range of days in the grace period, the minimum number of days in the grace period, or the average number of days in the grace period, if the disclosure is identified as such.
( iv ) Balance calculation method ( I ) The name of the balance calculation method used in determining the balance on which the finance charge is computed if the method used has been defined by the Bureau, or a detailed explanation of the balance calculation method used if the method has not been so defined.
( II ) In prescribing regulations to carry out this clause, the Bureau shall define and name not more than the 5 balance calculation methods determined by the Bureau to be the most commonly used methods.
( B ) Other information In addition to the information required to be disclosed under subparagraph ( A ), each application or solicitation to which such subparagraph applies shall disclose clearly and conspicuously the following information, subject to subsections ( e ) and ( f ) : ( i ) Cash advance fee Any fee imposed for an extension of credit in the form of cash.
( ii ) Late fee Any fee imposed for a late payment.
( iii ) Over-the-limit fee Any fee imposed in connection with an extension of credit in excess of the amount of credit authorized to be extended with respect to such account.
( 2 ) Telephone solicitations ( A ) In general In any telephone solicitation to open a credit card account for any person under an open end consumer credit plan, the person making the solicitation shall orally disclose the information described in paragraph ( 1 ) ( A ).
( B ) Exception Subparagraph ( A ) shall not apply to any telephone solicitation if ( i ) the credit card issuer ( I ) does not impose any fee described in paragraph ( 1 ) ( A ) ( ii ) ( I ) ; or ( II ) does not impose any fee in connection with telephone solicitations unless the consumer signifies acceptance by using the card ; ( ii ) the card issuer discloses clearly and conspicuously in writing the information described in paragraph ( 1 ) within 30 days after the consumer requests the card, but in no event later than the date of delivery of the card ; and ( iii ) the card issuer discloses clearly and conspicuously that the consumer is not obligated to accept the card or account and the consumer will not be obligated to pay any of the fees or charges disclosed unless the consumer elects to accept the card or account by using the card.
( 3 ) Applications and solicitations by other means ( A ) In general Any application to open a credit card account for any person under an open end consumer credit plan, and any solicitation to open such an account without requiring an application, that is made available to the public or contained in catalogs, magazines, or other publications shall meet the disclosure requirements of subparagraph ( B ), ( C ), or ( D ).
( B ) Specific information An application or solicitation described in subparagraph ( A ) meets the requirement of this subparagraph if such application or solicitation contains ( i ) the information ( I ) described in paragraph ( 1 ) ( A ) in the form required under section 1632 ( c ) of this title, subject to subsection ( e ), and ( II ) described in paragraph ( 1 ) ( B ) in a clear and conspicuous form, subject to subsections ( e ) and ( f ) ; ( ii ) a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) the information is accurate as of the date the application or solicitation was printed ; ( II ) the information contained in the application or solicitation is subject to change after such date ; and ( III ) the applicant should contact the creditor for information on any change in the information contained in the application or solicitation since it was printed ; ( iii ) a clear and conspicuous disclosure of the date the application or solicitation was printed ; and ( iv ) a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number or a mailing address at which the applicant may contact the creditor to obtain any change in the information provided in the application or solicitation since it was printed.
( C ) General information without any specific term An application or solicitation described in subparagraph ( A ) meets the requirement of this subparagraph if such application or solicitation ( i ) contains a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) there are costs associated with the use of credit cards ; and ( II ) the applicant may contact the creditor to request disclosure of specific information of such costs by calling a toll free telephone number or by writing to an address, specified in the application; ( ii ) contains a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number and a mailing address at which the applicant may contact the creditor to obtain such information ; and ( iii ) does not contain any of the items described in paragraph ( 1 ).
( D ) Applications or solicitations containing subsection ( a ) disclosures An application or solicitation meets the requirement of this subparagraph if it contains, or is accompanied by ( i ) the disclosures required by paragraphs ( 1 ) through ( 6 ) of subsection ( a ) ; ( ii ) the disclosures required by subparagraphs ( A ) and ( B ) of paragraph ( 1 ) of this subsection included clearly and conspiciously [ 1 ] ( except that the provisions of section 1632 ( c ) of this title shall not apply ) ; and ( iii ) a toll free telephone number or a mailing address at which the applicant may contact the creditor to obtain any change in the information provided.
( E ) Prompt response to information requests Upon receipt of a request for any of the information referred to in subparagraph ( B ), ( C ), or ( D ), the card issuer or the agent of such issuer shall promptly disclose all of the information described in paragraph ( 1 ).
( 4 ) Charge card applications and solicitations ( A ) In general Any application or solicitation to open a charge card account shall disclose clearly and conspicuously the following information in the form required by section 1632 ( c ) of this title, subject to subsection ( e ) : ( i ) Any annual fee, other periodic fee, or membership fee imposed for the issuance or availability of the charge card, including any account maintenance fee or other charge imposed based on activity or inactivity for the account during the billing cycle.
( ii ) Any transaction charge imposed in connection with use of the card to purchase goods or services.
( iii ) A statement that charges incurred by use of the charge card are due and payable upon receipt of a periodic statement rendered for such charge card account.
( B ) Other information In addition to the information required to be disclosed under subparagraph ( A ), each written application or solicitation to which such subparagraph applies shall disclose clearly and conspicuously the following information, subject to subsections ( e ) and ( f ) : ( i ) Cash advance fee Any fee imposed for an extension of credit in the form of cash.
( ii ) Late fee Any fee imposed for a late payment.
( iii ) Over-the-limit fee Any fee imposed in connection with an extension of credit in excess of the amount of credit authorized to be extended with respect to such account.
( C ) Applications and solicitations by other means Any application to open a charge card account, and any solicitation to open such an account without requiring an application, that is made available to the public or contained in catalogs, magazines, or other publications shall contain ( i ) the information ( I ) described in subparagraph ( A ) in the form required under section 1632 ( c ) of this title, subject to subsection ( e ), and ( II ) described in subparagraph ( B ) in a clear and conspicuous form, subject to subsections ( e ) and ( f ) ; ( ii ) a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) the information is accurate as of the date the application or solicitation was printed ; ( II ) the information contained in the application or solicitation is subject to change after such date ; and ( III ) the applicant should contact the creditor for information on any change in the information contained in the application or solicitation since it was printed ; ( iii ) a clear and conspicuous disclosure of the date the application or solicitation was printed ; and ( iv ) a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number or a mailing address at which the applicant may contact the creditor to obtain any change in the information provided in the application or solicitation since it was printed.
( D ) Issuers of charge cards which provide access to open end consumer credit plans If a charge card permits the card holder to receive an extension of credit under an open end consumer credit plan, which is not maintained by the charge card issuer, the charge card issuer may provide the information described in subparagraphs ( A ) and ( B ) in the form required by such subparagraphs in lieu of the information required to be provided under paragraph ( 1 ), ( 2 ), or ( 3 ) with respect to any credit extended under such plan, if the charge card issuer discloses clearly and conspicuously to the consumer in the application or solicitation that ( i ) the charge card issuer will make an independent decision as to whether to issue the card ; ( ii ) the charge card may arrive before the decision is made with respect to an extension of credit under an open end consumer credit plan ; and ( iii ) approval by the charge card issuer does not constitute approval by the issuer of the extension of credit.
The information required to be disclosed under paragraph ( 1 ) shall be provided to the charge card holder by the creditor which maintains such open end consumer credit plan before the first extension of credit under such plan.
( E ) Charge card defined For the purposes of this subsection, the term charge card means a card, plate, or other single credit device that may be used from time to time to obtain credit which is not subject to a finance charge.
( 5 ) Regulatory authority of the Bureau The Bureau may, by regulation, require the disclosure of information in addition to that otherwise required by this subsection or subsection ( d ), and modify any disclosure of information required by this subsection or subsection ( d ), in any application to open a credit card account for any person under an open end consumer credit plan or any application to open a charge card account for any person, or a solicitation to open any such account without requiring an application, if the Bureau determines that such action is necessary to carry out the purposes of, or prevent evasions of, any paragraph of this subsection.
( 6 ) Additional notice concerning introductory rates ( A ) In general Except as provided in subparagraph ( B ), an application or solicitation to open a credit card account and all promotional materials accompanying such application or solicitation for which a disclosure is required under paragraph ( 1 ), and that offers a temporary annual percentage rate of interest, shall ( i ) use the term introductory in immediate proximity to each listing of the temporary annual percentage rate applicable to such account, which term shall appear clearly and conspicuously ; ( ii ) if the annual percentage rate of interest that will apply after the end of the temporary rate period will be a fixed rate, state in a clear and conspicuous manner in a prominent location closely proximate to the first listing of the temporary annual percentage rate ( other than a listing of the temporary annual percentage rate in the tabular format described in section 1632 ( c ) of this title ), the time period in which the introductory period will end and the annual percentage rate that will apply after the end of the introductory period; and ( iii ) if the annual percentage rate that will apply after the end of the temporary rate period will vary in accordance with an index, state in a clear and conspicuous manner in a prominent location closely proximate to the first listing of the temporary annual percentage rate ( other than a listing in the tabular format prescribed by section 1632 ( c ) of this title ), the time period in which the introductory period will end and the rate that will apply after that, based on an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation.
( B ) Exception Clauses ( ii ) and ( iii ) of subparagraph ( A ) do not apply with respect to any listing of a temporary annual percentage rate on an envelope or other enclosure in which an application or solicitation to open a credit card account is mailed.
( C ) Conditions for introductory rates An application or solicitation to open a credit card account for which a disclosure is required under paragraph ( 1 ), and that offers a temporary annual percentage rate of interest shall, if that rate of interest is revocable under any circumstance or upon any event, clearly and conspicuously disclose, in a prominent manner on or with such application or solicitation ( i ) a general description of the circumstances that may result in the revocation of the temporary annual percentage rate ; and ( ii ) if the annual percentage rate that will apply upon the revocation of the temporary annual percentage rate ( I ) will be a fixed rate, the annual percentage rate that will apply upon the revocation of the temporary annual percentage rate ; or ( II ) will vary in accordance with an index, the rate that will apply after the temporary rate, based on an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation.
( D ) Definitions In this paragraph ( i ) the terms temporary annual percentage rate of interest and temporary annual percentage rate mean any rate of interest applicable to a credit card account for an introductory period of less than 1 year, if that rate is less than an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation; and ( ii ) the term introductory period means the maximum time period for which the temporary annual percentage rate may be applicable.
( E ) Relation to other disclosure requirements Nothing in this paragraph may be construed to supersede subsection ( a ) of section 1632 of this title, or any disclosure required by paragraph ( 1 ) or any other provision of this subsection.
( 7 ) Internet-based solicitations ( A ) In general In any solicitation to open a credit card account for any person under an open end consumer credit plan using the Internet or other interactive computer service, the person making the solicitation shall clearly and conspicuously disclose ( i ) the information described in subparagraphs ( A ) and ( B ) of paragraph ( 1 ) ; and ( ii ) the information described in paragraph ( 6 ).
( B ) Form of disclosure The disclosures required by subparagraph ( A ) shall be ( i ) readily acces
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| 01/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I will include XXXX XXXX as part of this complaint so that they will receive copies of your correspondence and response. I am also e-mailing a copy of this complaint to XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. for their review. This matter is not going to go away because you respond citing some company policy or your own personal ideology and refuse to remove this account from my credit report. On or about XX/XX/XXXX, I received a dunning/collection letter from XXXX XXXX regarding the Macys XXXX XXXX credit card account On XX/XX/XXXX, Defendant mailed a debt validation request to XXXX XXXX via certified mail tracking number XXXX. On XX/XX/XXXX, XXXX XXXX received my debt validation request. I never received a response to my validation request which may be a violation of the FDCPA and 12 C.F.R. 106.34 ( a ) ( 1 ) and instead XXXX XXXX filed suit instead of responding. On XX/XX/XXXX, XXXX XXXX filed this civil suit/action against me on behalf of Department Stores National Bank in the State Court of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I filed an answer to the lawsuit/complaint along with discovery motions/request Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions. A copy of the Answer along with the discovery request was sent to you via certified mail tracking number XXXX. A copy of the Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions. According to the post office, the package picked up at a postal facility by your agent, representative, or employee at XXXX XXXX on XX/XX/XXXX. The thirty days to respond to the discovery request started on XX/XX/XXXX, and ended on XX/XX/XXXX. I never received a response to the discovery request. Pursuant to Georgia law O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ), the party upon whom the discovery has been served shall serve a copy of the answers, and objections if any, within thirty ( 30 ) days after the service of the discovery request, except that a defendant may serve answers or objections within 45 days after service of the summons and complaint upon that defendant. The court may allow a shorter or longer time at the courts discretion. The party submitting the interrogatories may move for an order under subsection ( a ) of Code Section 9-11-37 with respect to any objection to or other failure to answer any discovery motion/request. Pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) The matter is admitted unless, within 30 days after service of the request or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission a written answer or objection addressed to the matter, signed by the party or by his attorney. Any matter admitted under this Code section is conclusively established unless the court, on motion, permits withdrawal or amendment of the admission O.C.G.A. 9-11-36 ( b ). On XX/XX/XXXX, and XX/XX/XXXX. XXXX, I reached out to XXXX XXXX office by e-mail pursuant to rule 6.4 ( b ) and prior to filing a motion to compel pursuant to XXXX. XXXX. On XX/XX/XXXX, I mailed a certified letter ( tracking number XXXX ) to XXXX XXXX office and the letter was delivered and received by your office on XXXX, XXXX. On XX/XX/XXXX, XXXX XXXX filed for voluntary dismissal without prejudice in the XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX No XXXX. Now on XX/XX/XXXX, I received a XXXX letter from XXXX XXXX listing Citibank N.A. instead of Department Stores National Bank or ( DSNB ) as the creditor. This is the same claim or action just listing a different creditor. On XX/XX/XXXX, I mailed a second request for validation to XXXX XXXX via certified mail tracking number XXXX. According to the post office the item was delivered on XX/XX/XXXX. On XX/XX/XXXX, I received an e-mail from XXXX of XXXX XXXX attorneys confirming receipt of the validation request. Good afternoon, Our office is in receipt of your request and is gathering the requested documents for your review. XXXX XXXX XXXX, XXXX. Lead Litigation GA Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX Ex. XXXX Fax : XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. PRIVILEGE AND CONFIDENTIALITY NOTICE : This e-mail is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and is legally privileged. The contents of this e-mail message and any attachments are intended solely for the party or parties addressed and named in this message. This communication and all attachments, if any, are intended to be and to remain confidential, and it may be subject to the applicable attorney - client and or work product privileges. If you are not the intended recipient of this message, or if this message has been addressed to you in error, please immediately alert the sender by reply e-mail and then delete this message and its attachments. Do not deliver, distribute, or copy this message and or any attachments if you are not the intended recipient. Do not disclose the contents or take any action in reliance upon the information contained in this communication or any attachments. Although this E-mail and any attachments are believed to be free of any virus or other defect that might affect any computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus free and no responsibility is accepted by XXXX XXXX XXXX XXXX for damage arising in any way from its use. XXXX XXXX is a debt collector as defined by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692a ( 6 ) and is required to comply with the FDCPA. If the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, or that the consumer request the name and address of the original creditor, the debt collector must cease collection of the debt, or any portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector 15 U.S.C. 1692g ( b ). The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer 15 U.S.C. 1692g ( c ). As of the date of this letter, no response or validation/verification has been received by me. Any failure by XXXX XXXX to comply with or any violation of the FDCPA by XXXX XXXX may result in XXXX XXXX being subject to civil liability as outlined in 15 U.S.C. XXXX. XXXX XXXX was notified and is aware that this is a second attempt to collect this alleged debt for the same account with Department Stores National Bank ( DSNB ) which is a subsidiary of Citibank N.A and that as of XX/XX/XXXX, XXXX has merged with Citibank. Any refiling or renewing of a case would be subject to XXXX. XXXX and O.C.G.A. XXXX. XXXX XXXX has received two requests for validation and has failed to respond to both of them. XXXX XXXX has had approximately ten months to respond to my request for validation. Dont you think if XXXX XXXX intended to collect this alleged debt that they would have responded to the validation request a required by law by now? As of the date of this letter, there has been no refiling of any lawsuit against me to collect this alleged debt. XXXX XXXX would have to consider all the things discussed in this letter when deciding whether or not it wants to refile the case in any court. XXXX XXXX would have to consider that if the Request for Admissions in the previous and now dismissed lawsuit is deemed admitted pursuant to Pursuant to XXXX. XXXX ( a ) ( XXXX ) and O.C.G.A. XXXX ( b ) then it will be difficult for you or XXXX XXXX to pursue a new claim because if certain admissions are deemed admitted then you will probably lose your case. XXXX XXXX is aware of this fact. XXXX XXXX had the option to motion the court to allow withdrawal of the admission and or work with me to resolve any issues with discovery instead XXXX XXXX chose to dismiss the lawsuit. In the event of any renewal or refiling of any lawsuit, XXXX XXXX would essentially be refiling the same claim involving the same parties. If you or your attorney admitted the previous case away for failing to respond, then it will be difficult to refile the case and win or be successful. It seems as if you dont think about this or take this into consideration when deciding not to delete this account from my credit report. Because you disagree with the decisions made by XXXX XXXX, the laws of the XXXX of Georgia, and the information that you have been provided is not reason or grounds for you to dismiss and ignore the information that you have been provided and make decision based on your personal ideology or beliefs under the guise of some unnamed/specified law, government regulation, or company policy where you do state the specific law and section of the law, the specific government regulation, or provide a copy of the company policy you are citing and relying upon. You only provide a selective cursory response on items that you want to respond to and its like your response is scripted. Additionally, it seems that you copy and paste previous responses. You position is As a credit provider, we are obligated to report the account accurately to the credit reporting agencies. This statement is designed to end any discussion regarding credit reporting and to justify not removing an item from a credit report and is misleading, while you are required by law to report accurate information to the credit reporting agencies, you are not required to report account to the credit reporting agencies. It seems as if this statement is crafted to make any credit reporting dispute go away. This statement also suggests that you have some kind of moral or ethical obligation and not a legal obligation to report this account to a credit bureau and suggest your decision not to delete this account from the credit report is a moral decision and not a legal one. DSNBs own customer agreement for the credit card states " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may report account information in your name and the names of authorized users. We may also obtain follow-up credit reports on you. If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing statement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that. '' The card agreement states that DSNB can report information about a consumer and the account to a credit bureau if Citi chooses to do so however, the card agreement does not prohibit DSNB from updating or removing information about a consumer from a consumers credit file. Additionally, if DSNB were to assign or sell this account to a debt buyer or collection agency and that debt buyer or collection agency reported this account to the credit bureau, DSNB would be obligated or required by the FCRA to remove the account from my credit report because the FCRA prohibits duplicate accounts, or the same information or account being reported multiple times on a consumers credit report. DSNB also fails or neglects to mention that some debt collectors will offer to delete the account from a consumers credit report in exchange for payment especially if it is written in any settlement agreement or consent order. DSNB does not want to admit that credit reporting is nothing more than a debt collection tactic or practice which it sometimes uses to extort money ( in some cases more money than Plaintiff is entitled to ) out of consumers ( i.e. either pay us what we claim you owe us or well ruin your credit for seven years ). It seems DSNB as is not prohibited by contract, government regulations, or the law from removing Defendants account from his credit report with the three major credit bureaus out of revenge and spite because Citi did not get the outcome Citibank wanted in the Best Buy case and DSNB ( which is a subsidiary of Citibank ) most likely will not achieve the outcome DSNB desires in the Macys American Express credit card account case and some kind of righteous duty with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit or to have to pay a higher interest rate if offered a line of credit is preventing DSNB from removing this account from Defendants credit report with the three major credit bureaus. If it is DSNB/Citibanks position that you are prohibited by law or government regulation from removing this account from my credit report, then you should have to identify any specific section of the FCRA or any other law or government regulation that would prohibit you from removing this account from my credit report and to provide any other information that you are relying upon. Based upon my information 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ) there is no law or government regulation that would prohibit DSNB/Citibank from removing this account from my credit report. I have requested this information previously and DSNB/Citibank has refused to respond and only wants to respond to what it determines or decides it wants to respond to or address. This was also requested by me in the now dismissed collection lawsuit. It also seems that your decision is not based on the law but an alleged company policy. I would ask that you provide a full and complete copy of the policy you are referencing in your previous communications. Please dont carelessly or mindlessly state that the information requested is confidential and proprietary business information and can not be disclosed. In the event of any refiling of any lawsuit regarding this account and alleged debt I will include the request for this information in a Request for the Production of Documents pursuant to XXXX. XXXX. Any failure to respond appropriately to any discovery request is subject to a motion to compel pursuant to XXXX. XXXX. DSNB/Citibank has not been truthful in their previous responses to the CFPB and the XXXX and there will be potential problems for you in the event of any refiling or renewing of this case. In your previous correspondence you claim that DSNB regularly reviews credit report data to determine if cardholders continue to qualify for their accounts. You also claim, " Macys credit card account are reviewed on a regular basis to determine if an adjustment to the accounts credit limit is needed and to ensure the customer still meets the established eligibility requirements to maintain the card. You refuse to provide the eligibility requirements and credit criteria claiming, Our credit criteria is proprietary business information and can not be disclosed. I do not believe that you review accounts on a regular basis as you claim in your correspondence. On two occasions my credit limit was lowered as a result of your so-called review of my account which you claim that my credit limit was reduced due to the number of revolving accounts with high usage. This is not the whole and complete truth. DSNB has omitted an important fact that in XXXX of XXXX a late fee was assessed on the same day as the payment due date XX/XX/XXXX, and the late fee was eventually credited back to the account even though payment was made and did not post until the next day XX/XX/XXXX. The following month the credit limit was reduced by {$100.00}. The other time the credit limit was reduced was in was in XXXX of XXXX. On XX/XX/XXXX ( the same day as the payment due date ) a late fee was assessed to the account even though a payment was made but did not post to the account until the next day XX/XX/XXXX. Then I received a letter from DSNB dated XX/XX/XXXX, stating that my credit limit would be reduced by another {$100.00}. Based on my research it seems the only time my account was reviewed was after a late fee was assessed and that the credit limit reduction is in retaliation and response to a late fee being assessed to the account. In the now dismissed collection lawsuit DSNB was asked in a discovery filing interrogatory to identify each and every time my account was allegedly reviewed. DSNB and their attorney XXXX XXXX failed to respond to the discovery request. The failure to respond to the discovery request is probably one of the factors that lead to the decision by XXXX XXXX to dismiss the lawsuit. When DSNB conducted the review in XXXX of XXXX the Best Buy Visa credit card account was listed on my credit report as a negative item. DSNB was aware of this account being listed as a negative item on my credit report and did not use it as a reason or basis to not lower the credit limit {$100.00} instead, you used the reason number of account with high usage however, when you allegedly reviewed the account for renewal the Best Buy being listed as a negative item on my credit report was used as a basis and reason for not renewing my account. When you conducted the review of my account in XXXX of XXXX, you were made aware of the Best Buy account being a negative item on my credit report and instead of exercising your right to terminate use of the account without giving notice in advance ; unless we are required to give you notice by law. You also failed to explain why the decision was made to only lower the credit limit and how you determined the amount to lower the credit limit. This was addressed in the Interrogatories that were filed in the now dismissed lawsuit against me. In other words you failed to mitigate you damages. You will have to explain this in court. You allegedly reviewed the account again XXXX of XXXX, and then sent a letter dated XX/XX/XXXX, that my account would not be renewed beyond the expiration of the card. This time the Best Buy Visa credit card account being a negative item on my credit report was used as a reason to not renew my account beyond the expiration date of the card. You will have to explain this in the event of any refilling or relitigating of this case. XXXX XXXX is aware of this because it was included in the answer to the now dismissed collection lawsuit. This alleged review was conducted approximately nine months prior to the cards expiration and notice was not sent to me until approximately eight months prior to the cards expiration. According to the XX/XX/XXXX, XXXX XXXX letter that talks about XXXX conducting reviews of accounts the letter also states Under federal law, we must determine the applicants ability to repay credit. My account was left open and not closed until XX/XX/XXXX. After DSNB determined that I no longer qualified for the account and or no longer had the ability to repay credit my account was left open and DSNB allowed me to use the account until the expiration date. This will be a problem for DSNB/Citibank in the event of any litigation because you as a plaintiff have a duty and responsibility to mitigate your damages. As your agents, employees, and representatives love to cite the customer agreement that we have the right to limit or terminate use of your account without giving you notice in advance ; unless we are required to give you notice by law. You will be required to explain this in the event of any refiling or relitigating of this case. You will have to explain why you made the decision approximately nine months prior to the cards expiration and why you left the account open and allowed continued use of the card after determining that I no longer had the ability to repay credit until the card expired. This was included in the answer to the now dismissed collection lawsuit and XXXX XXXX is aware of this. Additionally, you charged {$41.00} late fees and interest for six months and then charged the account off after six months of receiving no payments because you were required to do so by law. If you determine that someone no longer has the ability to repay credit how is charging that person {$41.00} in late fees for six months or {$240.00} in late fees and interest going to incentivize or get someone to pay when they no longer have the ability to repay credit? The aforementioned issued are also addressed in the discovery request that were filed in the now dismissed collection lawsuit and you nor your attorney XXXX XXXX responded to the discovery request. You have repeatedly rejected any request by me to settle this case for less than the full balance, which in no way should be construed as an admission of liability or indebtedness by me. In the event of any refiling or renewal of this case, you may have to have to explain why you reject the request and then made a settlement offer in XXXX of XXXX giving me until XX/XX/XXXX, to respond. The letter also indicates if I choose not to accept the offer there may be other opportunities to settle may be available at a later date. And once again in a XXXX of XXXX correspondence by XXXX XXXX reject any offer to settle this account for less than the full balance, which in no way should be construed as an admission of liability or indebtedness by me. You also failed to make any reasonable efforts to collect this alleged debt and artificially inflated the balance with unnecessary interest, fees, and penalties. Then you made a settlement offer at the end of XXXX and approximately one month prior to you being required by law to charge off the account and when the late fees and interest stop. You issued a Macys store credit card that can only be used at Macys. When the account was opened the credit limit was {$800.00}. The credit limit has now been reduced to {$100.00}. The card has no expiration date and is still active. In the event of any renewal or refiling of the Macys XXXX case you may have to explain this. Specifically, if I dont qualify and or dont have the ability to repay credit on the Macys XXXX account how do you expect me to repay credit on this account and why you have not closed this account. This is a valid issue and defense. This information was included in the answer to the previous lawsuit that has since been dismissed. XXXX XXXX is and should be aware of this. You have lied about and denied and continue to deny and ignore the fact that the decision not renew the account is in retaliation to a dispute I had with Citibank ( which you were a subsidiary of ) regarding a Best Buy Visa credit card account even though the available evidence supports my claim of retaliation. First, we have the fact that my credit limit was reduced on two occasions as a result of and in retaliation to late fees being assessed to my account. Second, we have the fact that the Best Buy account being listed on my credit report as a negative item ( i.e., the serious delinquency item listed on my credit report reason ) on my credit report and was used as a reason for not renewing my account and included in the letter dated XX/XX/XXXX, informing me that my account would not account would not be renewed. Finally, we have the fact the Citibank ( which DSNB is or was a subsidiary of and has now merged with Citibank ) closed and refused to renew my XXXX XXXX XXXX credit card account and flat out admitted it was due to a to a charge-off of the Best Buy account. I am not asking you to address issues or concerns regarding other accounts but just merely stating the facts and using this information to prove my point or position. You have also omitted other important information from your correspondences with me, the CFPB, and the XXXX. In your XX/XX/XXXX, letter by XXXX XXXX, you state Our review of your account found the statement with the closing date of XX/XX/XXXX, your account had a balance of {$1400.00} with a minimum payment of {$44.00} due by XX/XX/XXXX. No payment was received for this balance and in accordance with the terms of the credit card agreement, each month the required minimum payment due was not received, the account was charged a late fee and interest charge. This continued until the account balance reach {$1900.00} and charged off on XX/XX/XXXX. This is somewhat misleading because you omit the fact that you are required by law to charge-off an account after you have not received any payments and the account is past due for over 180 days or six months. You also omit and fail to admit or mention that the account was closed and could not be used by me but not charged off so that you can continue to act as if the account is still open and assess late fees, penalties, and interest until the balance is paid in full because once the account is charged off ( after 180 days or six months ) the late fees and interest must stop. You wanted the ability to still assess late fees, penalties, and interest to the account. This was discussed and addressed by the answer to the now dismissed lawsuit and you will have to have to explain this in the event of any new litigation. You seem to have forgotten that I can demand a jury trial. Do you think that going in front of a jury and demanding that they give you late fees and interest for six months just because you can charge those fees when you made little to no effort to collect this alleged debt and after you determined that I no longer had the ability to repay credit. What are you are you accomplishing by charging by charging interest and late fees for six months just because you can and until you are required to charge off the account? In the event of any renewal or refiling of your claim the answer will be amended to include the fact this is your second attempt at filing the same claim against me and that you are subject to XXXX. XXXX. The discovery request will also be refiled. You should also be aware that some judges have issued standing orders and instructions regarding how cases are handled by that particular judge. One example is State Court of XXXX XXXX XXXX XXXX XXXX XXXX. Section seven of the order addresses extension of time and section seven addresses discovery. Extensions of time for discovery will be granted only upon consent motion or in exceptional cases in which the parties promptly commence and diligently pursue discovery yet are unable to complete discovery in the timeframe set forth above due to circumstances not reasonably anticipated at the time that the parties prepare and submit the Scheduling Order. Any motion for an extension of time for discovery must be filed with the Court prior to the expiration of the existing discovery period. A copy of the standing order is attached for your review. This case was NOT assigned to XXXX XXXX and this order did not apply. You are required to respond to the discovery request truthfully and accurately within the timeframe provided by law. Failure to respond or to respond truthfully and accurately could result in you having to pay expenses incurred by me to prove that you did not respond truthfully and accurately and any failure to respond at all could result in a motion to compel. XXXX XXXX is aware of this fact. This case has already been filed and then dismissed. If the case is refiled and then dismissed voluntarily again that will serve as an adjudication upon the merits ( and is the same as a dismissal with prejudice ) O.C.G.A. 9-11-41 ( a ) ( 3 ). In other words, you will be prohibited by law from filing any additional lawsuits, claims, or actions, regarding this account and alleged debt and then would have no means to collect this alleged debt and no remedies available to you. It would be a violation of the FDCPA for any debt collector to threaten to take any action that can not legally be taken or that is not intended to be taken 15 U.S.C. 1692e ( 5 ) or the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer 15 U.S.C. 1692e ( 10 ). As previously stated, XXXX XXXX was sent a validation request on XX/XX/XXXX and it was received by them on XX/XX/XXXX. As of the date of this letter, no response other than the attorney acknowledging receipt of the request and stating that they are gathering the requested information and documents. XXXX XXXX is also aware of the previous lawsuit and will have to decide whether or not they will renew or refile this claim. Factors that could affect their decision include the failure to respond to the discovery request in the previous case and the defenses I have raised and outlined in this letter. You are not taking this fact into consideration when denying my request to delete this account from my credit report. You should be aware that XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX of Georgia have copies of all of your correspondence and communications with me, the CFPB, and the XXXX except any that were received after the case was dismissed. The documents were provided to the court by me because they were attached to the answer as exhibits. In the event of any new litigation all communications received after the answer was filed will be attached as exhibits to an amended answer. You should also be aware that any documents filed with the court are public records and can be made available to anyone who request them provided they pay any fees imposed by the court or court clerks office for researching and printing of the request documents. The XXXX XXXX XXXX XXXX XXXX XXXX of Georgia also uses an online system https : //www.peachcourt.com to file cases and to obtain documents filed in cases if available. Anyone can register and create a peachcourt account and obtain copies documents filed in cases if available for a per item fee. Attorneys are required to file all cases online using the peachcourt website. Attorneys will have unlimited access to all of the documents available on and through the peachcourt website. You also may use XXXX XXXX XXXX to look up information regarding cases. This is a free service for anyone to use and you dont have to register. This site will not provide you with access to documents filed in the case and will only provide you with a list of any actions, events, or filings in the case. If you were to hire a new attorney, you must make them aware of the fact that you previously filed a lawsuit and then dismissed it approximately three months later and the fact they you and your attorney failed to respond to the discovery request then that attorney will make a decision whether or not to represent you or not. If you fail to inform the attorney and provide the attorney with all information regarding the case and account and withhold or omit information the attorney could withdraw from your case and or dismiss any pending court action/litigation. In this case it would be a second notice of dismissal and would serve or operate as an adjudication upon the merits and would be the same as a dismissal with prejudice O.C.G.A. 9-11-41 ( a ) ( 3 ).
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| 07/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX I was accepting into the XXXX program and was forced to resign my full-time job. I had money saved to cover my mortgage payments for several months with the expectation of finding a part-time job. Unfortunately, and unbeknownst to me, my coursework and XXXX XXXX would not allow me to work while in school. In XX/XX/XXXX, I contacted CitiMortgage to inform them of my financial situation and to make them aware that my XX/XX/XXXX-XX/XX/XXXX payments would be late, this was done with full intention of paying my past due payments with my anticipated tax refund. I was told that a Citi representative by the name of XXXX XXXX would be contacting me to discuss all options available to me. On XX/XX/XXXX @ XXXX XXXX I received a phone call from Mr. XXXX who then informed me that due to the type of loan I had, no options were available to me. I have a conventional mortgage serviced directly through CitiMortgage so I was unsure as to what he was referring to.
__________________________________________________________________________________ XX/XX/XXXX-I contacted XXXX ( XXXX XXXX XXXX XXXX XXXX ) to discuss the conversation that I had with Mr. XXXX and was again told that I have a regular conventional mortgage but that they would act as the direct contact with the mortgage company in the event that I was unable to pay my mortgage. Only after I was 3 months late was I contacted by XXXX.
___________________________________________________________________________________ As of the date of this complaint, I have submitted payments totaling {$5600.00} which covered my payments from XX/XX/XXXX-XX/XX/XXXX, with the payments from XX/XX/XXXX-XX/XX/XXXX past due. My loan mitigation efforts have been unsuccessful as Citi has repeatedly requested an excessive amount of documents and once submitted have requested duplicates. In XX/XX/XXXX I received mailed notification that my file was complete, however, weeks later the original court order for my child support was requested which is irrelevant to any decision because the actual payment history has been submitted. During purchasing underwriting the very same documentation was submitted to CitiMortgage without any request for the order itself which has been in effect since XX/XX/XXXX. During the period from XX/XX/XXXX-XX/XX/XXXX I have been repeatedly harassed, intimidated and placed under undue stress due to the tactics of CitiMortgage. Multiple times during the weeks I would receive intents to foreclose via mail and certified mail although I had submitted the required documentation for the forbearance and had also submitted past due payments. I also received documentation from the State of Maryland informing me that an intent to foreclose had been submitted. In XX/XX/XXXX, I was contacted by my neighbor informing me that a man was canvassing my home and taking pictures. On XX/XX/XXXX, I received a packet from Citi, notifying me that my home had been appraised and a copy of the valuation was being submitted to me for my review. Ive made every attempt to get assistance during this distressing financial period but Citi has done nothing to assist me whatsoever. It is my belief that due my low interest rate of 2.625 % and a home valuation above my purchase price, I do believe that Citi has stalled and has had no intention to assist me. The unethical practices of CitiMortgage have caused me a great deal of stress and the efforts that I have made well in advance have been in vain.
_________________________________________________________________________________ The purchase price of my home was {$170.00}, XXXX, however, my loan amount is {$170000.00} with {$6700.00} allotted for wish list items and improvement that I desired to make to the property. My contractor has only completed 50 % of the one project and has not completed the other project at all due to Citi refusing to release the remaining portion of the funds needed to complete the fence installation. Interest is still accruing on this amount that Ive been unable to utilize. I asked Citi if the additional funds could be applied to the mortgage amount and was told it wasnt possible.
__________________________________________________________________________________ I am seeking resolution in regards to the mortgage as well as the {$6700.00} additional funds that are still in escrow that I have not been able to access since early XX/XX/XXXX. I am graduating from XXXX school on XX/XX/XXXX and plan to return to work shortly thereafter. Below are the emailed communications between XXXX, CitiMortage and myself. Additional backup documentation is available for your review upon request. Thanks in advance for your assistance.
XXXX XXXX XXXX XXXX Wed XX/XX/XXXX, XXXX XXXX Greetings, Thank you for being a valued XXXX homeowner, XXXX attempted to contact you today without success. This is a friendly reminder that your account is currently 3 payments past due. Please submit your monthly mortgage payment as soon as possible. It is important for you to return the call to XXXX MAP Department at XXXX XXXX ext. XXXX. It is XXXX goal to work with you to bring the loan current, and prevent foreclosure. XXXX will continue to provide assistance as long as you own the home, and do not refinance away from the XXXX purchase loan. Please give us a call XXXX MAP ADVOCATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX ext # XXXX| Wed XX/XX/XXXX, XXXX XXXX Ms. XXXX , Thank you for your email. I am a XXXX student and am usually not available during the day. You've only contacted me on one occasion today and I'm asking that you do not contact my grandmother at XXXX, I find it very disturbing that you're divulging my information via telephone to a party who is not involved. My grandmother was just released from the hospital on last week due to a XXXX XXXX and today is the birthday of her husband who passed away recently so you can imagine that you've caused her much distress today which is unnecessary. I contacted XXXX and Citi Mortgage in XX/XX/XXXX to make both parties aware that I was not longer worker but requested a temporary forbearance and neither offered me any assistance. I told them that my payment would be late XX/XX/XXXX through XX/XX/XXXX but again no one offered me any assistance. I'm not 3 months behind, as I made a full payment on last week in the amount of {$1100.00}. If I could be offered a temporary solution to help me catch up on the remaining payments that would be appreciated. Again, please do not call my grandmother again, this is very upsetting to her and to me as well, if you don't reach me by phone I can respond by email. I am in school during the day and can only be reached after XXXX.
_____________________________________________________________________ **XXXX XXXX XXXX Thu XX/XX/XXXX, XXXX XXXX Ms. XXXX Thank you for your prompt response to this matter. I do apologize for the inconvenience. I reviewed the notes, and I dont see any notations in the system from XX/XX/XXXX. I do see we received a call in XX/XX/XXXX where a payment arrangement was made. We receive a report every Friday, and as of XX/XX/XXXX the last payment Citi received was XX/XX/XXXX. The report states the account is 90 day late and the balance due on the account is {$3600.00} dollars. Once we receive our report for tomorrow XX/XX/XXXX it should reflect the payment made last week. We do assist our homeowners with facilitating a repayment plan, forbearances, and modifications. If you are interested in any of the options please follow-up.
XXXX | XXXX ext # XXXX XXXX ** Thu XX/XX/XXXX, XXXX XXXX Ms. XXXX , Thanks for your reply. I did indeed call more than once in XXXX and made mention that due to my XXXX XXXX schedule I can no longer work full-time. The woman that I spoke to told me I was not eligible for any assistance, I also called Citi and was told the same. Im XXXX in XX/XX/XXXX and will return to work shortly thereafter, I would like to apply for a forbearance to assist me during this financially difficult time.
XXXX XXXX XXXX XXXX Fri XX/XX/XXXX, XXXX XXXX Ms. XXXX, Please submit a financial hardship package, and we will submit for a Forbearance. I have listed the documents below that will be needed.
Please fax the requested documents before a phone counseling session by using your XXXX fax coversheet ( see attached ) or upload the documents to your web file. I have provided step by step instructions on how to upload the documents to your web file below. In addition, use your fax coversheet when faxing in your documents into your XXXX file. We will not accept personal faxes due to the volume of membership. Please send the following documents : Please write or type a hardship letter on what happed, or caused you to fall behind on your mortgage be very detailed by giving a specific dates. Make sure letter is signed and dated. Please make sure you sign and date letter.
XXXX XXXX Form ( see attached ) On line 1a place your first and last name. On line 1b, place your social security number. On line number 3 please write your first and last name, then your physical address, city, state, zip. On line 6 place the number XXXX. Place a check in the box 6a. On Line 9 please place these dates XX/XX/XXXX,XX/XX/XXXX. Place a check in the signatory attests box. At the bottom of the form, sign your first and last name. Place the date, and your phone number.
Client Authorization Form ( see attached ) -Please complete, sign, and date.
2 most recent Bank Statements. Statements must be official ; your servicer will not accept transaction history. They must look like the statements we receive in the mail. Please include all pages to each statement, even if the last page is blank.
Mortgage Statement-most recent Property Tax Bill- most current Homeowners Insurance Declaration Page-most recent Utility Bill ( most recent ) - this proves you live, and occupies the property. Lights, gas, or water.
XXXX and XXXX XXXX XXXX XXXX. Please include all Schedules. Please sign and date page 2 ( on both tax returns ). Please include XXXX and XXXX XXXX and/or XXXX. Please include all pages to each return even if they are blank.
Most recent Homeowners Association Statement Please comply with the request ASAP! We value you as a XXXX Member and our goal is to assist you diligently. After you have faxed the requested documents, please allow 24 hours for the documents to upload in your web file and contact MAP Advocate at XXXX Ext XXXX to schedule a phone counseling session. Our goal is to discuss a plan of action and submit your hardship package for review. I would like to thank you for your time and cooperation for allowing XXXX to assist you.
___________________________________________________________________ XXXX XXXX XXXX Thu XX/XX/XXXX, XXXX XXXX I found your documents, they didnt go to the file as should. Technology issues. I will be following up with you to submit your file to the mortgage company for a forbearance.
___________________________________________________________________ ** Fri XX/XX/XXXX, XXXX XXXX I have exams all next week but will be available between XXXX-XXXX on Monday XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : ** Subject : RE : XXXX ID ** ** I received all the documents, we need to schedule a counseling session, and submit the file to the mortgage company. I am available Monday-Friday of next week XXXX. I go to lunch XXXX. Please let me know when you are available.
XXXX MAP ADVOCATE XXXX XXXX XXXX XXXX XXXX _____________________________________________________________XXXX XXXX All documents requested by XXXX for the purpose of requesting a forbearance was submitted to CitiMortgage.
XXXX Homeowner Support Specialist Documents needed XXXX XXXX XXXX, XXXX XXXX XXXX Wed XX/XX/XXXX, XXXX XXXX Good Morning ** I hope all is well. My name is XXXX XXXX. I will be your Single Point of Contact. I do see you are working with XXXX as well. These will be the documents needed for review. I apologize but I will be out of the office next week. Please do work on sending in the documents. My document team will make sure the information is uploaded and reviewed.
These can be faxed to XXXX or emailed to XXXX. ( Place your account number and full name on all pages ) Please do not send them only to me in case I am not in the office.
XXXX 30 days proof of income ( please keep the income up to date as you are paid ) _____ XXXX Taxes all pages ( 2nd page of the XXXX needs to be signed and dated ) _____ XXXX attached Line 1A,1B, 3, Sign, date, check signatory box and put your phone number _____ Workable Solutions ( Form XXXX ) _____ Dodd Frank Certificate _____ Home Owners Association showing you are current. Or a letter signed and dated stating you do not have one.
Thank you for choosing Citi, Have a good day.
Remember, during any point of your treatment review you can reach me by telephone at XXXX, EXT. XXXX. Monday Thursday XXXX XXXX XXXX XXXX ( CST ), Friday XXXX XXXX XXXX XXXX ( CST ) or email me at XXXX XXXX look forward to working with you.
XXXX XXXX Single Point of Contact XXXX Re : Homeowner Support Specialist Documents needed XXXX XXXX ** Wed XX/XX/XXXX, XXXX XXXX Good evening Ms. XXXX, Thank you for your email. Attached are the documents that you've requested as well as some of the supporting documentation that was provided to XXXX this week. Due to the size of the documents, additional supporting documentation will be provided in a separate email. In the event that you need to contact me, email would be the best way of communication at this time as I am in class during the week.
XXXX Wed XX/XX/XXXX, XXXX XXXX Ms. XXXX, I received communication from CITI on last week and have submitted the same documents to them that you requested. Will I receive further communication with them or only from XXXX?
____________________________________________________________________ XXXX XXXX XXXX Thu XX/XX/XXXX, XXXX XXXX I am so sorry, we are having some technology issues over here with your file. I have made my supervisor aware of this issue, and are on top of getting it resolved. I am sorry you had to send the documents yourself. You may continue to get communications from them, but do not send them any more documents. The purpose of you using our service is for us to send the documents on your behalf. At this time, I will reach out to Citi for an update, and follow-up with you.
XXXX XXXX, XXXX XXXX XXXX Tue XX/XX/XXXX, XXXX XXXX Good Afternoon ** I hope all is well. Thank you for sending in documents. I did review them and I will need the following.
These can be faxed to XXXX or emailed to XXXX. ( Place your account number and full name on all pages ) Please do not send them only to me in case I am not in the office.
_____ 2 Months bank statements all pages ( XXXX / XXXX. Do keep these up to date as they are received ) _____ Food Stamp award letter Thank you for choosing Citi, Have a good day.
Remember, during any point of your treatment review you can reach me by telephone at XXXX, EXT. XXXX. Monday Thursday XXXX XXXX XXXX XXXX ( CST ), Friday XXXX XXXX XXXX XXXX ( CST ) or email me at XXXX .I look forward to working with you.
XXXX XXXX, XXXX XXXX XXXX Wed XX/XX/XXXX, XXXX XXXX Good Afternoon ** Thank you. I got them. I sent them to be uploaded to our systems.
Thank you for choosing Citi, Have a good day.
Remember, during any point of your treatment review you can reach me by telephone at XXXX, EXT. XXXX. Monday Thursday XXXX XXXX XXXX XXXX ( CST ), Friday XXXX XXXX XXXX XXXX ( CST ) or email me at XXXX .I look forward to working with you.
XXXX XXXX, XXXX XXXX XXXX Mon XX/XX/XXXX, XXXX XXXX Good Afternoon ** I hope all is well. Thank you for sending in documents. I have requested that your file be sent over to processor for review. They will review the account in details to see if anything else is needed. I will follow up next week.
XXXX XXXX Fri XX/XX/XXXX, XXXX XXXX Good afternoon Ms. XXXX, Are there any updates concerning the forbearance? I received an email from CITI on Monday to make me aware that my documents had been uploaded.
Thanks, __________________________________________________________________ XXXX XXXX XXXX Mon XX/XX/XXXX, XXXX XXXX Hello, The last update we received was on last Monday XX/XX/XXXX stating file submitted to processor for review. AT this time they are reviewing all documents submitted. I will be following up in a couple of days for another update.
_________________________________________________________________ Mon XX/XX/XXXX, XXXX XXXX Good morning Ms. XXXX, I was just preparing to email you. This morning Ive scheduled the payment of XXXX and XXXX mortgage payments to be delivered on tomorrow, if approved I would like to request that the forebeafance begin effective for the month of XXXX. Im in class the remainder of the week, I can be reached by email.
XXXX XXXX XXXX XXXX Wed XX/XX/XXXX, XXXX XXXX Good Morning Ms. XXXX, The last update we received was on last Monday XX/XX/XXXX stating file submitted to processor for review. At this time they are reviewing all documents submitted. I will be following up in a couple of days for another update. I will get this payment information noted in the system as well. Our report for this week should reflect those payments made. If extended a forbearance the mortgage company will decide when it will start and, end. Please keep in mind apply for forbearance is not a guarantee. Please continue to seek efforts in making your mortgage payments. I will continue to follow-up with you via email the remainder of the week.
XXXX XXXX, XXXX XXXX XXXX Wed XX/XX/XXXX, XXXX XXXX Good Afternoon ** I hope all is well. I apologize I need the following updated. Please use the XXXX, we can now pull the tax transcripts for XXXX.
These can be faxed to XXXX or emailed to XXXX. ( Place your account number and full name on all pages ) Please do not send them only to me in case I am not in the office.
XXXX XXXX bank statement all pages _____ XXXX attached Line 1A,1B, 3, Sign, date, check signatory box and put your phone number _____________________________________________________________________ XXXX, XXXX XXXX XXXX Fri XX/XX/XXXX, XXXX XXXX Good Afternoon ** I hope all is well. Thank you for sending in your documents. My processor has reviewed the file and is requesting the following by XX/XX/XXXX.
These can be faxed to XXXX or emailed to XXXX. ( Place your account number and full name on all pages ) Please do not send them only to me in case I am not in the office.
1. Current child support documentation showing required amount to be received 2. Food stamp award letter 3. Two months most recent bank statements for account XXXX, also provide letter explaining the source of funds for any deposit to the accounts {$100.00} or more that is not a payroll direct deposit also provide supporting documents if applicable 4. Letter explaining the source of funds for the following deposits to account XXXX XX/XX/XXXX for {$230.00}, XX/XX/XXXX for {$140.00} ___________________________________________________________________ XXXX XXXX XXXX Tue XX/XX/XXXX, XXXX XXXX Hello **, Citi mortgage is requesting some additional documents as of XX/XX/XXXX. I have provided you with a list of the information they are requesting. They are giving you until XX/XX/XXXX to get the additional documents to them.
ADRL Gen due by XX/XX/XXXX.
1. Current child support documentation showing required amount to be received 2. Food stamp award letter 3. Two months most recent bank statements for account XXXX, also provide letter explaining the source of funds for any deposit to the accounts {$100.00} or more that is not a payroll direct deposit also provide supporting documents if applicable 4. Letter explaining the source of funds for the following deposits to account XXXX XX/XX/XXXX for {$230.00}, XX/XX/XXXX for {$140.00} ___________________________________________________________________ XXXX, XXXX XXXX XXXX Thu XX/XX/XXXX, XXXX XXXX Good Afternoon ** I hope all is well. Thank you for sending in your documents. As of XX/XX/XXXX your file has been sent for under writer review. Please keep in mind the under writers can take 30 days to review and make a decision. I will keep in contact with you on a weekly basis while we are waiting for a response. If anything is needed I will let you know asap.
XXXX XXXX, XXXX XXXX XXXX Thu XX/XX/XXXX, XXXX XXXX Good Afternoon ** I hope all is well. As of XX/XX/XXXX your file has been sent for under writer review. Please keep in mind the under writers can take 30 days to review and make a decision. The next few emails that I send will consist of the same information. I apologize in advance. As soon as my under writer reviews the file or if anything is needed I will let you know.
XXXX XXXX XXXX XXXX Tue XX/XX/XXXX, XXXX XXXX Good Morning, I am required to reach out weekly due to the delinquency of the loan, and of course your forbearance review. As of XX/XX/XXXX Citi is reporting your XX/XX/XXXX mortgage payment now 44 days late, have you made your XX/XX/XXXX mortgage payment in the last 7 days? The forbearance review is pending underwriting review as of XX/XX/XXXX. No additional documents are being requested at this time. Please keep in mind the forbearance isnt a guarantee.
___________________________________________________________________ ** ** Wed XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ; Homeowner Support Quality Communication I do not have those documents, when I purchased the home those documents were not requested and the order information including the biweekly payment amount was sufficient. This order has been in place since XXXX XXXX XXXX XXXX Wed XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX ; Homeowner Support Quality Communication The court ordered amount is {$980.00} and the monthly amount received is {$900.00} as fully documented XXXX XXXX, XXXX XXXX XXXX Wed XX/XX/XXXX, XXXX XXXX Good Afternoon ** Thank you for emailing me. the information received is a payment summary. The under writer needs the document you received in court with the judges signature advising of the child support. The Payment summary from Human Resources is not valid.
These can be faxed to XXXX or emailed to XXXX. ( Place your account number and full name on all pages ) Please do not send them only to me in case I am not in the office.
1. Current child support documentation showing required amount to be received- borrower provided same documentation provided previously this is not sufficient. We need actual child support court documents.
XXXX XXXX, XXXX XXXX XXXX Wed XX/XX/XXXX, XXXX XXXX Good Afternoon ** I apologize but the under writers will not review the account without it. I would suggest contacting your attorney or county courts to see if you are able to obtain a copy.
These can be faxed to XXXX or emailed to XXXX. ( Place your account number and full name on all pages ) Please do not send them only to me in case I am not in the office.
1. Current child support documentation showing required amount to be received- borrower provided same documentation provided previously this is not sufficient. We need actual child support court documents.
Thank you for choosing Citi, Have a good day.
___________________________________________________________________________________ ** ** Wed XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX ; Homeowner Support Quality Communication I have been submitting documents since XXXX and this had never been requested. When I was going through underwriting that document was not requested and the payment summary was submitted and approved as it correlated with the banking information as well, which is why Im so puzzled as to why the court order is being requested now and was not requested during the purchasing phase. It would take time to get that document and Im unable to retrieve it at this moment.
________________________________________________________________________________ ** ** Wed XX/XX/XXXX, XXXX PM XXXX, XXXX XXXX ; Homeowner Support Quality Communication Ms. XXXX, Im puzzled about this process as Im not seeking a modification and have only requested a forbearance and am questioning why there is an underwriter.
_____________________________________________________________________________________ ** ** Wed XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX ; Homeowner Support Quality Communication Im preparing for my final exam which is tomorrow I will no longer be able to reply to these emails tonight as it is causing me undue stress at this moment.
____________________________________________________________________________________ XXXX XXXX Thu XX/XX/XXXX, XXXX XXXX XXXX, Citi mortgage is requesting a copy of the actual court order for child support. Please fax to file.
Thank You, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fri XX/XX/XXXX, XXXX XXXX Good Afternoon ** I hope all is well. I apologize but our under writers review for all options. A forbearance plan would end in a balloon payment just so you are aware. I can also try to get your account reviewed for the unemployment program but I would need proof of the following.
These can be faxed to XXXX or emailed to XXXX. ( Place your account number and full name on all pages ) Please do not send them only to me in case I am not in the office.
Under writer review 1. Current child support documentation showing required amount to be received- borrower provided same documentation provided previously this is not sufficient. We need actual child support court docs.
OR Unemployment program or each borrower who is unemployed AND receiving government sponsored Unemployment Benefits : - Copy of two most recent bank statements.
- Copy of official Unemployment Benefit statement showing the specific dates approved for benefits and the amount.
For each borrower who is relying on alimony or child support as qualifying income : - Copy of divorce decree, separation agreement or other written agreement or decree that states the amount of the alimony or child support and period of time over which it will be received.
- Proof of full, regular and timely payments ; for example deposit slips, bank statements, court verification or filed federal tax return with all schedules For each borrower : - Proof of any financial assets ( CDs, bonds, etc. ) - A recent utility bill must be submitted to verify you currently occupy the property.
XXXX Fri XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX ; Homeowner Support Quality Communication I dont feel as if you are trying to help me at all. Ive just paid {$5000.00} in payments and Im still in the same position as when I began. I first reached out in XX/XX/XXXX prior to any late payments and was told by XXXX XXXX that no options were available to me. Then only after being late and reaching out a 2nd time did I now have communication. As of that date its been nothing more than constant certified threatening letters and packages, constant and weekly harassment via mail. Ive made all of those payments and you still insist on sending me letters threatening me instead of assisting me. Im not unemployed through usual means, I am a XXXX student who is completing my program on XX/XX/XXXX. I truly dont understand the philosophy of Citi, where is the help? It seems that youre just dragging your feet with the hopes of having my house, hence, a need for an appraisal. You cant have my house, Im working towards something great for me and my son and Ive asked for a temporary solution so that I can complete my goal without all of this unnecessary stress. Either youre going to assist me or not. I dont have an 8 yr old decree that was never requested when I purchased the house, its the same exact information that I submitted to the underwriter then that Ive resubmitted at this time. It would take time for me to get such a document and it seems that your repeated request of documents is only an attempt to reset the timeline. I dont feel assisted Im feeling that youre attempting to place me in a disadvantaged situation.
XXXX Tue XX/XX/XXXX, XXXX XXXX I saw your email and Ive already told them that I dont have that order ___________________________________________________________________ ** Tue XX/XX/XXXX, XXXX XXXX It seems to me that Im getting the run around and that shady practices are in play. As fully documented I have been requesting assistance since XX/XX/XXXX and have yet to receive the assistance that Ive requested. Ive paid almost $ 5k in payments recently and Im still in the same position. The constant harassment and threats via mail is excessive but yet no assistance whatsoever. Requesting a document that was not required by the underwriter during purchasing is questionable to me considering the decree has nothing to do with the payment history that has been consistent for 8 yrs. Therefore, this only leaves me to believe that it is not the intent of CitiMortgage to offer me assistance therefore I shall not be harassed nor threatened any longer. Im graduating in XXXX and that is my current focus, please refrain from calling me as I am only available via email.
** ____________________________________________________________________ XXXX XXXX XXXX Tue XX/XX/XXXX, XXXX XXXX I am required to call once a week if the account is 30 days or more past due ; per our contract with Citi. I am required to call all numbers on fi
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- Credit reporting
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- Incorrect information on your report
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I am adding this info onto my current complaint to Citi bank reporting my recently settled account info as a recent charge off and recent late payment. According to the FCRA terms and guidelines, what they are doing is against the law and I refuse to stand for it, and accept what they are doing. I have made multiple attempts to call them and ask them to correct the info immediately as it is effecting my quality of life and has dropped my credit score below the acceptable range for a mortgage and I am going to be homeless in the next month due to an error made in part by them. According to this section of the FCRA 87 FR 64689 as follows, they are breaking the guidelines that are supposed to be adhered to. I am requesting this info be fixed ASAP or I will be taking measures necessary to correct it myself. They have retaliated against me for disputing the info that they did not update when I settled the debt with them last XXXX. Please see the following guidelines for the specific details of the FCRA Accuracy in consumer reports is of vital importance to the consumer reporting system, particularly as consumer reports play an increasingly central role in the lives of American consumers. Consumer reporting agencies collect and assemble credit, public record, and other consumer information into consumer reports. [ 2 ] Creditors, insurers, landlords, employers, and others use the information in these reports to make eligibility determinations and other decisions that can have a significant impact on consumers. For example, creditors use information in consumer reports to determine whether, and on what terms, to extend credit to a particular consumer, while landlords and employers use background screening reports in deciding whether to rent to prospective tenants and hire employees, respectively.
Inaccurate, derogatory information in consumer reports can have significant adverse impacts on consumers. For example, inaccurate, derogatory information in consumer reports can lead to higher interest rates, ineligibility for promotional offers, or otherwise less favorable credit terms for affected consumers. This in turn may cost consumers hundreds or thousands of dollars in additional interest. Even worse, inaccurate, derogatory information in consumer reports could lead lenders to deny a consumer credit entirely, making it difficult or impossible for that consumer to obtain a mortgage, auto loan, student loan, or other credit. Any of these consequences can be devastating for a consumer 's financial well-being and life. Inaccurate, derogatory information in consumer reports can also harm the businesses that use such reports by leading them to make unsupported decisions.
Consumer report accuracy depends on the various parties to the consumer reporting system, including : the three nationwide consumer reporting agencies ( XXXX, XXXX, and XXXX ) ; other consumer reporting agencies, such as background screening companies ; entities such as creditors who furnish information to consumer reporting agencies ( i.e., furnishers ) ; and public record repositories. While any of these parties may introduce inaccurate information into the consumer reporting process, a consumer reporting agency is uniquely positioned to identify certain obvious inaccuracies and implement policies, procedures, and systems to keep them off of consumer reports. In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.
Inaccuracy in consumer reports is a long-standing issue that remains a problem today. Pursuant to its obligations under the Fair and Accurate Credit Transactions ( FACT ) Act [ XXXX ] to conduct a study of consumer report accuracy and completeness, the Federal Trade Commission in XXXX published a report finding, among other things, that one in five consumers who participated in the study had an error on at least one of their three nationwide credit reports. [ 4 ] Another more recent study, published in XXXX, found that over 34 % of consumers surveyed were able to identify at least one error in their credit reports. [ 5 ] Consumer complaints submitted to the Bureau continue to reflect significant consumer concern about inaccuracies in consumer reports. Complaints about incorrect information on your report have represented the largest share of credit or consumer reporting complaints submitted to the Bureau each year for at least the last six years. [ 6 ] In XXXX alone, companies responded to more than 157,000 such complaints, representing a majority ( 53 % ) of credit or consumer reporting complaint responses that year. [ 7 ] Moreover, the Bureau continues to see accuracy issues at furnishers and consumer reporting agencies through its supervisory activities. For example, the Bureau noted in its XXXX XXXX Supervisory Highlights that many furnishers lacked reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers. [ 8 ] In its XXXX XXXX Supervisory Highlights, the Bureau explained that some consumer reporting agencies lacked adequate procedures for assuring maximum possible accuracy of consumer reports when they continued to include information in consumer reports that was provided by unreliable furnishers. [ 9 ] The Bureau also continues to find accuracy issues in the consumer reporting context through its enforcement activities. For example, the Bureau has brought enforcement actions against consumer reporting agencies whose inadequate name-only matching led to reports with inaccurate derogatory criminal and public records information on consumers. [ 10 ] The Bureau also has brought enforcement actions against furnishers who furnish information with inherent logical inconsistencies, such as furnishing an increasing original loan amount over time, where that field should not change. [ 11 ] The FCRA regulates consumer reporting. [ 12 ] The statute was designed to ensure that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. [ 13 ] In interpreting the statute, Federal courts likewise highlight the importance of data accuracy. The FCRA was enacted to protect consumers from the transmission of inaccurate information about them and to establish credit reporting practices that utilize accurate, relevant, and current information in a confidential and responsible manner. [ 14 ] Because of the importance of consumer report accuracy to businesses and consumers, the structure of the FCRA creates interrelated legal standards and requirements to support the policy goal of accurate credit reporting. Among these is the requirement that, when preparing a consumer report, consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. [ 15 ] Inaccuracies in consumer reports can, in part, be attributed to consumer reporting agencies failing to maintain reasonable procedures, such as business rules, to prevent the inclusion of facially false data, including logical inconsistencies relating to consumer data and/or the status or other information associated with consumer accounts, when preparing consumer reports. Courts have recognized that in certain instances, inaccurate credit reports by themselves can fairly be read as evidencing unreasonable procedures [. ] [ 16 ] The Bureau is issuing this advisory opinion to highlight that the legal requirement to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals about whom the reports relate includes, but is not limited to, procedures to screen for and eliminate logical inconsistencies to avoid including facially false data in consumer reports.
There are many logical inconsistencies that could result in inaccurate, facially false data being included on consumer reports in violation of section 607 ( b ). The following is a non-exhaustive list of examples of some of the types of logical inconsistencies that reasonable procedures to assure maximum possible accuracy would screen for and eliminate : Inconsistent Account Information or Statuses A consumer reporting agency 's policies and procedures should be sufficient to detect tradelines with account statuses or codes that are plainly inconsistent with other information reported for that same account, such that, if included in a consumer report, at least one item of information therein would necessarily be inaccurate. Such inconsistencies may include : An account whose status is paid in full, and thus has no balance due but nevertheless reflects a balance due ; [ 17 ] An account that reflects an Original Loan Amount that increases over time, an impossibility by definition ; [ 18 ] and Derogatory information being reported on an account, although that derogatory information predates an earlier report that did not include the derogatory information. [ 19 ] A consumer reporting agency 's policies and procedures should further identify and prevent illogical reporting of a Date of First Delinquency in connection with an account. [ 20 ] Section 605 ( a ) of the FCRA identifies categories of information that can not be included in a consumer report after a certain amount of time. [ 21 ] For example, a consumer reporting agency may not include on a consumer report accounts placed for collection or charged to profit and loss that antedate the report by more than seven years and 180 days. [ 22 ] This provision enables consumers to move beyond their past and rebuild their credit following a delinquency. The Date of First Delinquency provided by a furnisher must reflect the month and year on which the delinquency being reported commenced. [ 23 ] When accurate, that date corresponds with the start of the time period that, once elapsed, precludes the delinquency from remaining on a consumer report under FCRA section 605 ( a ). A Date of First Delinquency that is more recent than the start of a delinquency may lead a report user to believe a consumer had financial difficulty more recently than is the case. Similarly, a Date of First Delinquency reflected on a report where a consumer is not in fact delinquent could cause a user to inaccurately believe that the consumer is delinquent. Examples of an illogical Date of First Delinquency may include : A Date of First Delinquency reported for an account whose records reflect no delinquency, such as through activity reflecting a current account ( complete history of timely payments, {$0.00} amount overdue ) or through a current account status code ; [ 24 ] A Date of First Delinquency that post-dates a charge-off date ; and A Date of First Delinquency, or date of last payment, that predates the account open date ( for non-collection accounts ).
Illogical Information Relating to Consumers A consumer reporting agency 's policies and procedures should also identify logical inconsistencies in consumer information, such that, if included in a consumer report, some of the information therein would necessarily be inaccurate. Such inconsistencies may include : Impossible information about consumersfor example, a tradeline that includes a relevant date, such as a date of account opening, account closing, date of last payment, or date of first delinquency, for an account that is in the futurean obvious impossibilityor for an individual account that either predates that consumer 's listed date of birth or that is so far in the past ( e.g., XX/XX/XXXX ) that it must predate every living consumers ' date of birth, as individuals can not open an account before they are born ; [ 25 ] and Information about consumer accounts that is plainly inconsistent with other reported information, such that one piece of information must be inaccuratefor example, if every other tradeline is reporting ongoing payment activity, while one tradeline contains a deceased indicator, reasonable policies and procedures should identify the inconsistency and the consumer reporting agency should prevent the inclusion of the inaccurate information in consumer reports it generates. [ 26 ] A consumer reporting agency 's policies, procedures and internal controls should further identify and prevent reporting of illegitimate credit transactions for a minor. Minors generally can not legally enter into contracts for credit except in certain limited circumstances. It is logically inconsistent when a credit transaction is reported for a person who lacks capacity to enter into a contract because they are a minor, unless there are indicia that the credit transaction is legitimate, such as in the context of student loans, credit card authorized users, or emancipated minors. [ 27 ] The Bureau is aware of evidence showing that instances of identity theft are especially prevalent for minors, suggesting that identity thieves may target minors due to the value of unused Social Security numbers and a belief that there is a lower probability of discovery of the fraud. [ 28 ] This risk may be even more acute for minors in the United States foster care system, who often lack a permanent address and frequently have their personal information shared among numerous adults and agency databases, making them particularly susceptible to identity theft and inaccurate credit history information. [ 29 ] This heightened risk faced by minors underscores the importance for consumer reporting agencies to maintain procedures designed to identify illegitimate credit transactions reported for minors and prevent inclusion thereof when preparing consumer reports.
The Bureau is issuing this advisory opinion to remind consumer reporting agencies that the failure to maintain reasonable procedures to screen for and eliminate logical inconsistencies, to prevent the inclusion of facially false data in consumer reports, is a violation of their FCRA obligation to follow reasonable procedures to assure maximum possible accuracy under section 607 ( b ) of the FCRA.
B. Coverage This advisory opinion applies to all consumer reporting agencies as defined in FCRA section 603 ( f ). [ 30 ] C. Legal Analysis Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. [ 31 ] The Bureau has interpreted this requirement in section 607 ( b ) to include as an integral component that consumer reporting agencies implement and maintain reasonable screening procedures, such as business rules, designed to identify and prevent the inclusion of facially false data, such as logical inconsistencies relating to consumer or account information, in the consumer reports they prepare.
Courts have spoken on this topic. For example, in Bryant v.
TRW , Inc., the court rejected a consumer reporting agency 's assertion that it had no obligation to compare facially inconsistent information contained in two of plaintiff 's consumer reports from different months because such an interpretation would make the consumer reporting agency simply a conduit and eliminate from the [ FCRA ] its emphasis on the reasonableness of the procedures followed in putting together a consumer report, contrary to Congressional intent. [ 32 ] Courts have also indicated that the inclusion of facially false data inaccuracies on a consumer report may, in certain circumstances, evidence the unreasonableness of a consumer reporting agency 's procedures. [ 33 ] It continues to be the Bureau 's interpretation as outlined in this advisory opinion that such procedures are required, consistent with the core purpose of the FCRA as described in FCRA section 602 i.e., to require consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer with regard to accuracy, among other responsibilities. [ 34 ] This interpretation also aligns with the Federal Trade Commission 's 40 Years Report, which states that pursuant to 607 ( b ), a consumer reporting agency must maintain procedures to avoid reporting information with obvious logical inconsistencies, such as a credit account opened when the consumer was known to be a minor. [ 35 ] In addition to provisions authorizing Federal and State enforcement, [ 36 ] the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees. [ 37 ] Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees. [ 38 ] A violation is willful when it is inconsistent with authoritative guidance from a relevant agency. [ 39 ] As with any guidance issued by the CFPB on the FCRA, or predecessor agencies that were responsible for administering the FCRA prior to the CFPB 's creation, consumer reporting agencies risk liability under Section 616 if they violate the FCRA in a manner described in this Advisory Opinion, regardless of whether the consumer reporting agencies were previously liable for willful violations prior to its issuance.
II. Regulatory Matters This advisory opinion is an interpretive rule issued under the Bureau 's authority to interpret the FCRA, including under section 1022 ( b ) ( 1 ) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, [ 40 ] which authorizes guidance as may be necessary or appropriate to enable the Bureau to administer and carry out the purposes and objectives of Federal consumer financial laws. [ 41 ] The Bureau has determined that this advisory opinion does not impose any new or revise any existing recordkeeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring approval by the Office of Management and Budget under the Paperwork Reduction Act. [ 42 ] Pursuant to the Congressional Review Act, [ 43 ] the Bureau will submit a report containing this interpretive rule and other required information to the United States Senate, the United States House of Representatives, and the Comptroller General of the United Stat
es prior to the rule 's published effective date. The Office of Information and Regulatory Affairs has designated this interpretive rule as not a major rule as defined by 5 U.S.C. 804 ( 2 ).
Rohit Chopra, Director, Consumer Financial Protection Bureau.
Footnotes 1.
85 FR 77987 ( XXXX XXXX, XXXX ).
Back to Citation 2.
See15 U.S.C. 1681a ( d ) ( defining consumer report ).
Back to Citation 3.
Fair and Accurate Credit Transactions Act of 2003, Public Law 108-159, sec. 319, 117 Stat. 1952 ( 2003 ).
Back to Citation 4.
See Fed. Trade Comm'n, Report to Congress Under Section 319 of the Fair and Accurate Credit Transactions Act of 2003, at 64 ( XXXX. XXXX )XXXX XXXX XXXXXXXX
Back to Citation 5.
See Syed Ejaz, Consumer Reports, A Broken System : How the Credit Reporting System Fails Consumers and What to Do About It 4 ( XX/XX/XXXX ), XXXX XXXX XXXX.
Back to Citation 6.
See Consumer Fin. Prot. Bureau, Consumer Response Annual Report, at 20 ( XXXX. XXXX ), XXXX XXXX XXXX ; Consumer Fin. Prot. Bureau, Consumer Response Annual Report, at 22 ( XXXX. XXXX ), XXXX XXXX XXXXXXXX ; Consumer Fin. Prot. Bureau, Consumer Response Annual Report, at XXXX ( XXXX. XXXX ), XXXX XXXX XXXX ; Consumer Fin. Prot. Bureau, Consumer Response Annual Report, at 19 ( XXXX. XXXX ), XXXX XXXX XXXXXXXX ; Consumer Fin. Prot. Bureau, Consumer Response Annual Report, at 13 ( XXXX. XXXX ), XXXX XXXX XXXXXXXX ; Consumer Fin. Prot. Bureau, Consumer Response Annual Report, at 18 ( XXXX. XXXX ), XXXX XXXX XXXX.
Back to Citation 7.
See Consumer Fin. Prot. Bureau, Consumer Response Annual Report, at 20 ( XXXX. XXXX )XXXX XXXX XXXX XXXX for more in-depth analyses.
Back to Citation 8.
See XXXX XXXX. XXXX. XXXX, XXXX XXXX Supervisory Highlights, at XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX.
Back to Citation 9.
See XXXX XXXX. XXXX. XXXX, XXXX XXXX Supervisory Highlights, at XXXX ( XXXX. XXXX ), XXXX XXXX XXXX.
Back to Citation 10.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )XXXX XXXX XXXX XXXX
Back to Citation 11.
Consent Order at XXXX, In re XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX.
Back to Citation 12.
See15 U.S.C. 1681-1681x.
Back to Citation 13.
15 U.S.C. 1681 ( b ).
Back to Citation 14.
Guimond v. Trans Union Credit Info., 45 F.3d 1329, 1333 ( 9th Cir.1995 ) ( citations omitted ) ; see also S. Rep. No. 91-517, at 1 ( 1969 ) ( explaining that the FCRA was intended to prevent consumers from being unjustly damaged because of inaccurate or arbitrary inform
ation in a credit report ).
Back to Citation 15.
15 U.S.C. 1681e ( b ).
Back to Citation 16.
Stewart v.
Credit Bureau , Inc., 734 F.2d 47, 52 ( D.C. Cir. 1984 ).
Back to Citation 17.
Cf.
Consent Order at 20, In re XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX, XXXX ) ( Respondent also reported in approximately XXXX instances that accounts had a current balance and simultaneously furnished contradictory information, such as also furnishing information indicating that the accounts were paid in full. ), XXXX : XXXX.
The XXXX consent order, along with other CFPB consent orders cited herein, relate to furnisher obligations under section 623 of the FCRA, but the underlying logical inconsistencies involved, as described herein, are illustrative examples of the types of inconsistencies that a credit reporting agency 's reasonable policies and procedures to assure maximum possible accuracy should be designed to detect.
Back to Citation 18.
Cf.
Consent Order at 41, In re XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) ( After furnishing the correct original loan amount ( a field that should not change ), Respondent furnished increased amounts for the original loan amount, making it appear that a consumer had taken out a larger loan than they had actually taken out. ), XXXX : XXXX.
Back to Citation 19.
XXXX v.
XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX. Mich. XXXX ) ( refusing to set aside a jury verdict finding that a consumer reporting agency failed to follow reasonable procedures under FCRA section XXXX ( b ) for failing to detect inconsistencies between a XXXX report containing derogatory information and an earlier XXXX report on which such information did not appear even though at least one of the derogatory items predated the XXXX report ).
Back to Citation XXXX.
The Date of First Delinquency herein refers to the date furnished to a credit reporting agency by a furnisher that purportedly reflects the month and year on which the delinquency being reported in connection with a consumer 's account commenced.
Back to Citation 21.
15 U.S.C. 1681c ( a ).
Back to Citation 22.
15 U.S.C. 1681c ( a ) ( 4 ), ( c ).
Back to Citation 23.
15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ). Under the FCRA, furnishers must report a Date of First Delinquency within 90 days of furnishing information regarding delinquent accounts being placed for collection, charged to profit or loss, or subjected to any similar action.
Id.
Back to Citation 24.
Cf.
Consent Order at 36, In re XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) ( Respondent furnished account data showing that the consumer account was current, such as reporting {$0.00} amount overdue or full payments made timely each month, but then also furnished a [ Date of First Delinquency ], a field that inaccurately indicated that the account was in an ongoing delinquency. ) ; Consent Order at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX, XXXX ) ( alleging XXXX violated FCRA 623 ( a ) ( 1 ) ( A ) by inaccurately furnishing internally inconsistent data, including reporting [ Date of First Delinquencies ] for accounts that were current, paid in full ( and not delinquent immediately beforehand ), or previously delinquent but subsequently became current ).
Back to Citation 25.
See, e.g., XXXX v.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX XXXX XXXX ) ( referencing a consumer report that indicated both that XXXX was born in XXXX and that the account was opened in XXXX as XXXX of XXXX inconsistencies that provide [ d ] a basis from which a jury could infer that the procedures were unreasonable ).
Back to Citation 26.
XXXX v.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX ) ; see also XXXX, XXXX XXXX XXXX, at XXXX ( referencing the fact that only one account of approximately two dozen on a consumer 's report included the deceased notation as one of two inconsistencies that provide [ d ] a basis from which a jury could infer that the procedures were unreasonable ).
Back to Citation 27.
This example is consistent with prior Federal Trade Commission ( FTC ) 's 40 Years Report. See FTC, 40 Years of Experience with the Fair Credit Reporting Act ( XX/XX/XXXX ) [ hereinafter, the FTC 40 Years Report ], available at XXXX : XXXX, at 68, comment 8 ( A [ consumer reporting agency ] must maintain procedures to avoid reporting information with obvious logical inconsistencies, such as a credit account opened when the consumer was known to be a minor. ). FTC staff published the 40 Years Report, an updated compilation of past FTC interpretations of the FCRA, to coincide with the transfer of authority to the Bureau. Effective XXXX XXXX XXXX, the Dodd-Frank Act transferred rulemaking authority related to most of the FCRA to the Bureau, giving the Bureau the primary regulatory and interpretive roles under the FCRA.
Back to Citation 28.
See, e.g., Richard Power, XXXX XXXX XXXX, Child Identity Theft : New Evidence Indicates Identity Thieves are Targeting Children for Unused Social Security Numbers ( XXXX ), available at XXXX : XXXX
Back to Citation 29.
See Consumer Fin. Prot. Bureau, CFPB Releases Tools to Protect Foster Care Children from Credit Reporting Problems XXXX XXXX XXXX XXXX ), available at XXXX : //www.consumerfinance.gov/about-us/newsroom/cfpb-releases-tools-to-protect-foster-care-children-from-credit-reporting-errors/ # : ~ : text=To % 20submit % 20a % 20complaint % 2C % 20consumers,1 % 2D855 % 2D237 % 2D2392.
Back to Citation 30.
15 U.S.C. 1681a ( f ).
Back to Citation 31.
15 U.S.C. 1681e ( b ).
Back to Citation 32.
See Bryant v.
TRW , Inc., 487 F. Supp. at 1242.
See also McKeown v. Sears Roebuck & Co., 335 F. Supp. 2d 917, 930 ( W.D. Wis. 2004 ) ( [ R ] eceiving apparently inconsistent credit reports may trigger an obligation to investigate on the part of the credit reporting agency.... [ because ] allowing credit reporting agencies to act as nothing more than mere conduits of information would eviscerate the act 's emphasis on reasonable compilation procedures. ) ( citing Bryant, 487 F. Supp. at 1242 ) ; Wright v. XXXX Info. Sols., Inc. , 805 F.3d 1232, 1239 ( 10th Cir. 2015 ) ( Courts have held [ consumer reporting agencies ] must look beyond information furnished to them when it is inconsistent with the [ consumer reporting agencies ' ] own records, contains a facial inaccuracy, or comes from an unreliable source. ). Back to Citation 33. See Stewart v. Credit Bureau , Inc., 734 F.2d at 52 ; Sheffer , 2003 WL 21710573, at *2. Back to Citation 34. 15 U.S.C. 1681 ( b ) ; see also Guimond, 45 F.3d at 1333. Back to Citation 35. FTC 40 Years Report, at 68, comment 8. Back to Citation 36. 15 U.S.C. 1681s. Back to Citation 37. 15 U.S.C. 1681o ( emphasis added ). Back to Citation 38. 15 U.S.C. 1681n ( emphasis added ) ; Safeco Ins. Co. of Am. v. Burr, 551 U.S. 47, 57-58 ( 2007 ) ( construing meaning of willful ). Back to Citation 39. Safeco Ins. Co. of Am. v. Burr, 551 U.S. 47, 70 ( 2007 ) ; Fuges v. Sw. Fin. Servs., Ltd. , 707 F.3d 241, 253 ( 3d Cir. 2012 ). Back to Citation 40. Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203, 124 Stat. 1376 ( 2010 ). Back to Citation 41. 12 U.S.C. 5512 ( b ) ( 1 ). Back to Citation 42. 4 U.S.C. 3501-3521. Back to Citation 43. 5 U.
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| 12/13/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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SR. OR MADAM AUTHORITI OF CFPB PLEASE, YOUR OFFICE MUST NOT CLOSE THIS CLAIM AGAIN THE ISSUE CAUSED THE DEATH OF MY MOTHER XXXX XXXX XXXXXXXX XXXX XXXX AND THE ANSWER RECEIVED WERE FALSE FROM THE EXCECUTIVE UNIT FROM CITI XXXX
PLEASE, TO RESEND THE CLAIM BUT NOT TO THAT PEOPLE, BECAUSE THEY ARE INVOLVED ON THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
PLEASE SEND THIS TO CITI CEO XXXX XXXX XXXX SINCERELY YOURS XXXX. XXXX XXXX XXXX Sir or Madam of Citi Executive Response Unit, The Citi managers robbed my family, they took money from our savings from the Citi account and bought garbage bonus ; we received extortions, discriminations, threats and repulsive monkeys during years that caused the illness of my mother and her death, CITI murdered her ; Because the same I have a deep illness.
The robbery as other disasters your Citi did to my family are completely documented.
You did not answer my note and you are lying to me, to US Government Authorities and to my murdered mother, that can not defend herself and that makes your note repulsive and you and your office accomplice of a muder ; that makes you and your answer with no value.
I claim urgently the response of CEO XXXX XXXX XXXX answer XXXX. XXXX XXXX XXXX XXXX XXXX, My dear MotherXXXX XXXX XXXX. XXXX XXXX de XXXX Dear CFPB Obbudsman, I am raising an extremely serious accusation against Citi bank, and for this accusation to have an ethical response, it must be raised to the highest authorities of the bank to the CEO XXXX XXXX XXXX and to other Citi Directors ; I request not to raise the claim to the Citi Response Unit, since that Citi office has protected the Citi officials who caused serious personal harm to my family, and their response would be contaminated. In the attached summary it explains the serious crimes that Citi officials committed against my family with tragic consequences ; The initial crime was the purchase of bonds by withdrawing our money from our savings account without our authorization, A Citi manager purchase of junk bonds that they wanted to remove from their balance sheet with our savings ; That crime was confessed by the Citi official who did it and by our another account officer whose confession was recorded in its entirety by Citi systems. The responsibility of extracting money without authorization was the first criminal act that we suffered, and those that followed were worse and included extortion, discrimination, threats that led to the tragedy that we suffered and the details of which are explained in detail in the attachment ; Citi can not disclaim responsibility for the theft of our savings account or for the other crimes suffered ; In recent years I have had several Citi account officers with whom I was able to speak only once, each of them, although they promised to contact me again, they never did, which is why they also prevented me from making investments with my savings not yet stolen. More than a year ago, Citi transferred those assets to the financial company XXXX contrary to my will, so I warned Citi officials that they were transferring a crime, as well as I warned XXXX officials not to receive those assets because they were the product of a scam and that because of its consequences they were stained by the blood of my family. An XXXX official called me informing me after my previous complaint ( XXXX ) that they had no background information, something that is absolutely false since many XXXX officials were part of Citi and because I advised them in advance.
On the CFPB portal the case is shown as closed and the only thing that is closed is the lid of my mother coffin that died because the damaged caused by some Citi managers CFPB Ombudsman, my family suffered acts of corruption and very serious personal crimes by Citi officials that caused us a tragedy; Please, I reiterate that this demand in order to have sense must be brought to the CEO XXXX XXXX XXXX and to other Directors of Citi.
Sincerely yours Eng. XXXX XXXX XXXX XXXX are some of the e-mails sent to Citi authorities that describe the crimes committed by Citi and its consequences CITI CEO XXXX XXXX XXXX, CITI XXXX XXXX XXXX XXXX, I consider it important that you know who your organization murdered. My mother XXXX XXXX was a happy girl in her youth, the daughter of an Argentine mother and a Greek immigrant ; As a child she stood out in her studies having had the absolute record of having an average of XXXX points, the maximum possible in her high school ; She graduated as a doctor and worked as a rural doctor for years, followed by further professional growth with studies in XXXX and the United States ; She saved thousands of lives along her life.
Even today, people or relatives whose life my mother saved visit me and they remember her fondly. A great lover of music, she masterfully played the mandolin, which is an instrument of Greek origin. She married my father XXXX XXXX and had XXXX children, XXXX, XXXX ( me ) and XXXX. The last 10 years of her life she was in a vegetative state because his XXXX XXXX increased due to the tragedy of the disaster that Citi did to us ; I took care of her all those years, I also became ill to the point of having lost my life due to the threats received by Citi managers ; The ambition led your bank to commit a murder and other crimes, and now you hide behind your great economic power, helped by my status as a XXXX XXXX man.
XXXX XXXX XXXX, you have to know that your people from the Citi Executive Response Unit were lying to US Government authorities ; Please get rid of those gangsters.
XXXX. XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- My family was scammed and received criminal actions by Citi people with dramatic consequences for us and I'm claiming for your answer.
Being customers of Citibank was a tragedy for us ; We suffered not only scams, threats, extortions, discrimination, teasing that has damaged my mother seriously, today dead and caused irreparable damage that made me have a huge illness ; The photos show your Citi services to my family.
XXXX XXXX XXXX and XXXX XXXX XXXX, my mother, an excellent cardiology doctor that saved thousands of lives, the most delicious and intelligent person died suffering because of the actions of your people ; on the last violent thread done by the Vice President XXXX XXXX XXXX XXXX of CIFS Citi I had a XXXX XXXX, I had the time to advise her of the situation but that person instead calling for the urgency she left me XXXX on the other side of the phone ; just by chance, thanks to a neighbour I saved my life. Your Citi person knew my health situation, she call me to make me more damage, that could have been a XXXX ; XXXX will not forgive the people that made so damage to my family ; Citi XXXX my mother ; Citi is an XXXX organization ; Robbery to workers should not be the way your Citi managers show profit to the bank. Stealing with violence under the knowledge and inaction of the highest authorities, and leaving the victims damaged or XXXX, does not differentiate Citi from a XXXX XXXX XXXX XXXX. Did you XXXX XXXX and XXXX XXXX receive the hundred of notes I sent you during the years?
We had suffered XXXX not only because of the robbery, and the many threats, but also your people made us all type of discriminations.
including monkeys, something reprehensible ; The CIFS people made fun of my state of health and how they scammed us ; XXXX XXXX, XXXX XXXX, that is the human quality of some of your people.
XXXX XXXX XXXX, you have to be in my southamerican shoes to know about the moral quality of some people that are working in your organization.
In addition to the crimes, your people made so many mistakes with our account and documents that made us further lose our values.
We have been claiming with no assistance from Citi for more than two decades ; I used hundreds of the available possibilities, mails, letters, phone calls, the web but no ethical answer I received for all these years.
A Citi official XXXX XXXX made an investment ( XXXX bonus ) without our authorization ; he knew in advance that I would be out of the country, and I advised XXXX did 6 months later ; This Citi official that did the crime confessed us it ; very simple as he explained us Citi did not want to lose money and they have to get rid of such garbage bonus so he received the order from his Citi main managers to make the investment of such papers for us ; How could it have been authorized?, well surely without any problem in a system of absolute corruption.
XXXX XXXX XXXX and XXXX XXXX XXXX, you can ask yourself why he confessed the crime, well XXXX wife had a XXXX issue and was saved by my mother as she was the XXXX who attend in a XXXX event ; We heard XXXX wife yelling at him on the other side of the phone when XXXX confessed to us the crime. Corruption, to a customer that was the initial crime but not the worst ; Wives of corrupt Citi people not necessary are corrupt as well, something some of your main managers have to learn ; For those actions he also told us that Citibank offered money ( XXXX XXXX XXXX XXXXXXXX said when his wife yelled back at him ) to leave the bank after committing such crimes ; Citi had to get rid of this man ; A XXXX bank probably was the destination of that dirty money.
Another Citi official, XXXX XXXX XXXX, my new official at that moment, gave me major data about the robbery as you can read on the attached notes. This bank specialist that gave me this additional information is on this note and as the conversation was recorded you can ask for the tape. " Trust on me '', " Here what A.S did is a scandal '', " I know your case '' " I know everything '', " I am in the kitchen of the bank '' you would recognize these words on the tape ; Many people were scammed as XXXX. told me, that is the reason for the violence we suffered? How many people died because of this? ; Yes, XXXX XXXX XXXX and XXXX XXXX XXXX, Citi people gave me all the data about how they robbed us and documented it with complete impunity ; " another bank would have done the same '' R.B. rehearsed an apology when I claimed for the situation ; I requested CIFS Citi not to erase the tape but as I know who they are, I localized the Citi official XXXX. that has all the data and as mentioned is on copy of this note ; I claim XXXX. for his honesty as well.
There are people at your bank with total irresponsibility and sometimes with violence, answered based on denial of the facts and they have to know that they are accomplices of criminal acts ; Your people did us too much damage so I ask you XXXX XXXX XXXX and Madam XXXX to order them to stop causing me more.
The ambition for just some insignificant more for your bank led to committing criminal acts.
Your people denied the access to speak with you ; and you have to know that we only gave your bank our money and there we got it robbed, my mother 's death, and my huge illness.
I request you that Citibank make my values be returned with their costs including my health. That's your moral obligation.
I claim you XXXX XXXX XXXX, XXXX XXXX XXXX for your ethical answer Sincerely yours XXXX. XXXX XXXX XXXX Address : XXXX XXXX ( XXXX ) XXXX de XXXX XXXX XXXX. Doc. : XXXX Phone : XXXX XXXX XXXX PD : A couple of photos of my mother, your Citi corrupt people will recognize her on the day of their final judgment ; She is waiting for them.
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Dear Sirs. and Madams, Ive found your names at the linkedin page and guessed your emails. Please, read this note.
My Mother XXXX XXXX XXXX and I were victims of scams by CIFS and Citibank officials, and for defending ourselves we have received a mafia treatment by CIFS Citibank officials that included intimidations and various threads, discrimination and ridicule related how they scamed us and my state of health that they caused it. More than 20 years without any assistance, that's the reason I try to reach honest Citi members and I found your names at Citi XXXX.
For CIFS people was not enough to rob us, they destroyed our lives in different ways as you can read on this note ;.
My mother passed away distressed by this situation for years, and after the last threats received from CIFS people I was about to lose my life and because of this situation I was left with a XXXX that does not allow me to have a full life.
The consequences of the criminal actions were dramatic for my family. I request the main Citi Directors answer.
Please, I ask. I beg you to send to CEO XXXX XXXX XXXX or a Citi Board of Directors as I can not reach them since years ; Thank you XXXX. XXXX XXXX XXXX XXXX ID : XXXX Phone : XXXX XXXX XXXX PD : My account manager seems to XXXX XXXX XXXX XXXX ( XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX and other Directors, Here I summarized different notes I tried to reach you the latests years ; This was robbery, thrust, intimidation, discrimination and unfortunally also monkeys that made my mother ill, today dead, and me with a huge damage to my health and disable; Some unscrupulous CIFS people from the past and present destroyed my life. I was close to XXXX after the threads.
With CIFS I have an investment that I never did ; A resume of the first crime but not the worst : A Citibank criminal did it with no authorization ; The corrupt Citibank Manager XXXX XXXX XXXX, that later were qualified for his colleges as a well known gangster confessed the crime and other gave me further details and those are full documented ; Please ask for the phone record with the complete details that XXXX XXXX
XXXX XXXX ( XXXX ) other Citibank Manager gave me about the robbery ( XX/XX/XXXX, XXXX : XXXX PM XXXX XXXX ) from the phones located in CIFS Citibank XXXX XXXX XXXX de XXXX XXXX XXXX
CIFS Citibank has this document where they confessed the crime.
In this summary of notes that I tried to send, you will be able to observe the worst crimes CIFS people commited against us during years and its consequences.
God will punish the criminals that made so big damage to my family and me, because they had the opportunity to recognize what they did to us, but chose the worst path without caring about the damage they were doing us.
What you can read is the truth of the facts and most of them are documented, and clearly what these people did and do not match Citi ethic codes and moral behavior. There are just crimes.
My life is at risk ; You should not allow this to happen in your prestigious bank.
Please, help me.
Yours Sincerely Eng. XXXX XXXX XXXX XXXX XXXX XXXX SUMMARY : Reference issue nr. XXXX Reference issue nr. XXXX Dear Directors, please to read this note, I am the person whom the XXXX of XXXX XXXX XXXX, lied, made fun of until we became ill, with intimidation and threats until I was XXXX.
My mother, XXXX XXXX ( the tallest in the photo ), was the daughter of a XXXX XXXX who settled in XXXX after the XXXX. XXXX XXXX ; My Mother was an extremely brilliant person from her childhood, holding the highest school grade so far not reached by another person out of XXXX absolute in her studies ; Music lover and played the mandolin as a hobby. She received her XXXX degree with honors and specialized in XXXX and saved thousands of lives with a self-sacrificing life ; He passed away on XX/XX/XXXX without his savings stolen by CIFS.
I am an XXXX, with XXXX degrees, XXXX awarded by the XXXX XXXX XXXX XXXX and the other by XXXX from XXXX ; I was dedicated to the design of equipment, machines and product design ; My greatest personal pride is having taken care of my Mother for the last 15 years of her life. Today I can no longer practice my profession because Im very ill ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX and the responsibility for my health is attributed to the CIFS.
Summary : On XX/XX/XXXX, my XXXX, I received an automatic greeting from XXXX Citi on my email address and I replied : Being a Citi client was the greatest misfortune I have ever had in my life with a brief explanation of my situation ; Someone from XXXX Citi read my note and opened an investigation file ; The following week I received a call from XXXX. XXXX XXXX XXXX of the CIFS, who under great nervousness threatened me with a trial for making a claim, something that she had already done many times in the past ; I had to interrupt the call because I was disturbed by the threat of a XXXX XXXX, and I was miraculously saved by a neighbor who has the key to my house ; A week later I expanded the complaint and received the answer from XXXX XXXX XXXX XXXX, denying the truth of the facts with a note clearly addressed to the interior of Citi and emphasizing and giving me the technical elements to withdraw my investment from the CIFS, he also confirmed me at XXXX XXXX XXXX as my account officer.
The following note possibly explains the nervousness and attitude of XXXX. XXXX. XXXX and XXXX XXXX XXXX ; In XXXX, if you understand, more than 20 years of claims have already passed, I worked in the XXXX XXXX XXXX XXXX XXXX, and they appointed me to do jobs in XXXX for a year ; My mother XXXX XXXX organized a farewell barbecue and XXXX of the attendees was XXXX XXXX XXXX from Citi de XXXX XXXX who was a friend of my father ; In my absence, XXXX XXXX XXXX and with the complicity of someone from XXXX Citi and CIFS withdrew money from our savings bank and bought XXXX XXXX without our knowledge and consent, something that is easy verifiable since neither my Mother or me signed any document related to that operation ; I noticed what happened XXXX ( XXXX ) months in XXXX when I returned to XXXX ; We initiated our claim to XXXX XXXX at the Citi of XXXX XXXX, when the bonds were already worth much less than their purchase value, these protests continued until XXXX before XXXX XXXX who, upon his retirement, confessed to my Mother and me that he made this scam by order of the bank managers ; XXXX XXXX was paid a large sum of money to withdraw him from the bank.
On XX/XX/XXXX at XXXX XXXX. in XXXX, under a call recorded by CIFS, I received the full confession of the then new account officer, XXXX XXXX XXXX, who had been working at CIFS until some years ago ; XXXX XXXX XXXX explained to me under his full knowledge and you could hear in the recording expressions with a bank slang as " I'm in the kitchen of the bank '' that XXXX XXXX XXXX had scammed us and that he had also done it to many other people inviting me to make a CIFS trial for the scam to which we had been victims. You will be able to request that recording and will confirm the scam declared by that CIFS account officer.
From that confession, my Mother and I filed complaints with the CIFS authorities ; Those claims lasted for some years ; We received intimations, threats of lawsuits for protesting, and in the claims they made fun of us about how we had been scammed and about my state of health when I presented them with a photo of my XXXX in advance ; My Mother, who only knew how to do good to people, got sick like me and to preserve ourselves we stopped protesting with the conviction that we should wait for people with other values to be in the CIFS.
In XXXX I contacted the CIFS after many years and I met our new account officer XXXX XXXX XXXX XXXX by phone ; the communication was motivated by capital regularization promoted by the Argentine Government ; XXXX XXXX. XXXX attended the request for the requested documentation with great contempt and discrimination ; That contempt for us led her to make a very serious error in the documentation sent, something that is recorded through numerous messages, which forced my mother and me to miss-sell our car to cover part of the tax costs by not having the time to use our resources available at the XXXX Citi XXXX
In XXXX, my mother passed away, I contacted the CIFS and started the procedures ; Based on a previous succession, with notaries and lawyers we presented with my XXXX Sisters the documentation for the succession, my Sisters granting me the values of my Mother 's part ; This documentation was approved in XXXX and XX/XX/XXXX in writing and previously in numerous telephone conversations, both by XXXX XXXX. XXXX and her assistant XXXX XXXX. XXXX. You can confirm that approval since it is widely documented in messages, recordings, etc.
With that approval confirmed, I initiate the claim for the unpaid bonds to the Argentine Government and return to my Sisters all my monetary values that I had in XXXX for their concession of the part that my Mother had on the CIFS and XXXX, under a family agreement with absolute respect and brotherhood ; XXXX ( XXXX ) months later I received a call from XXXX XXXX telling me that they had made a mistake and that they required more legal documentation ; I did not have more monetary values to pay for more legal procedures.
That year, XXXXXXXX XXXX XXXX communicated with me, who initially attended to the error, found out in XXXX XXXX the legitimacy of my documents that we had presented and consulted me about the costs that the CIFS had to assume to correct the error made ; In subsequent conversations, XXXX. XXXX. XXXX decided not to take charge of the administrative errors, and have concealment of malpractice.
Without my mother, this time I had to start claims again, receiving multiple intimations and threats by XXXX. XXXX. XXXX and other people ; My insistence with some Directors led her to transfer 50 % of that investment account to my new account, refusing to be responsible for the rest ; Several months of complaints and bad treatment led me to get very sick and not only because of advanced XXXX but also because of XXXX XXXX that have XXXX me to move safely and work.
Notes sent by my sisters XXXX and XXXX XXXX making her understand the situation to which she had exposed XXXX. XXXX. XXXX led hereto send me two documents to sign which are absolutely shameful and of doubtful or null legality, of which I have only given her one of them ; Transferred the remaining 50 % to my new account and having appointed XXXX XXXX XXXX as the new account officer, for a year I have been asking for clarification of its content but he refuses to do so.
Mr. Director, My mother and I were scammed, the same CIFS confirmed it to us, they made fun of us, this organization hid information, and they intimidated us, threatened with lawsuits from the position of power represented by an international bank, until they made us sick. CIFS has XXXX me to lead a normal life, and to support my family with my work.
We have been victims of deeply unscrupulous people, who use lies as their working tool under the permanent attitude of discrimination and threat as a XXXX method to discourage any claim.
I ask Citigroup to order CIFS to return the defrauded securities to my family and I would like to ask you what you will do with my health and XXXX.
The damage done to My XXXX, XXXX XXXX XXXX can no longer be repaired.
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Phone : XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX Dear Citibank Directors, My family was scammed by the XXXX XXXX XXXX XXXX, and it was not only a matter of loss of money, they disrespected us, they intimidated us ; I have been threatened numerous times until I have agreed that I have told with a great discrimination attitude that continuous today ; I ask you for direct intervention and you will verify the truth of my sayings ; Neither my mother nor I have bought these bonds, an unscrupulous Citibank manager did it in a moment that I was out of my country and the only document that relates us to that investment is the documented confession of an account officer that we were scammed ; Also the same thief who did the operation confessed the crime Other financial losses related to mistakes and malpractice by the CIFS people left me in a sorry state of health that Im today.
We suffered more than 20 years of the XXXX corruption, please I request your help.
I ask for my values to be returned to me ; Don't let corruption take over your bank.
Sincerely yours.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CIFS CEO XXXX XXXX XXXX XXXX XXXX, The CIFS stole our savings since neither my mother nor I have given the order for the purchase of XXXX BONDS, and it is documented that a Citi official took our savings and did that operation without our authorization.
The CIFS officials made fun of us repeatedly, because of the way your organization stole us and because of my illness, and when I showed my photo.
The robbery was completely confessed by two officers of my account, including the one who robbed us, one of those confessions is fully documented.
The CIFS was wrong in relation to the documentation presented for the death of my mother, this being a malpractice and subsequent crime committed by your officials, that did not want to recognize the malpractice, and which is fully documented, and caused me greater economic losses.
The mistreatment and the threats received by your officials for my claims led me to the XXXX that I currently have that prevents me from having a normal life. I was close to death after the latest thread.
My account details have not been answered for a year.
Your organization XXXX XXXX XXXX XXXX robbed us, made fun, lied, intimidated, disrespected us until we became ill and in my case I have become XXXX, for which I hold your organization responsible for these criminal acts.
Your answers are false and do not respond to the truth of the facts and is aimed at trying to cover up the criminal acts of your organization to the Citigroup main authorities.
I demand that your organization return my money to me and you have to give me an answer for all the irreversible damages that your organization did to my Mother and me.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear Directors, 1 ) Please could you ask the CIFS managers my order to buy the investment I have ; unfortunately for them they do not have, coz a unscrupulous Citibank official did it without our atorithation, the same that later confessed the crime.
2 ) Please ask for the documented record ( see data below ) where another Citibank official confessed the robbery ; you should be surprised with what you can hear.
3 ) Please ask CIFS official of the disaster they did with the documents when my Mother died, that cause me a big economic damage and my XXXX ; These people do not know how to cover their faces for what they did to me.
4 ) Please ask the CIFS people why they did not answer some data of the investment for XXXX year.
Dear Directors, these people did too much damage to my family, please I ask for your direct intervention.
Sincerely Eng. XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Reference : XXXX Dear Citibank Directors, I have been claiming to the CIFS for an unauthorized investment that a Citibank officer did without my authorization, that man did it knowing that I was out of my country and prior to his retirement to the bank he confessed the crime to us.
Another account officer gave me plenty of details of the defraudation which was a scandal in that moment under a recorded document by your systems ; Citibank has that record, and you should have no doubt what to do after hearing it.
The result was that my mother and I fell ill because of the intimidations and even the monkey we received from CIFS people during our claims.
What came years later when my mother dead, and because CIFS bad practice, where even worst and included discrimination and threads letting me know of the power Citibank if I keep claiming.
The consequence of what CIFS did to me is my current XXXX.
What CIFS did to my family and to me know days is not admissible.
You can confirm my words and order CIFS CEO XXXX XXXX XXXX XXXX to give back my savings.
Sincerely yours Eng. XXXX XXXX XXXX
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| 09/13/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am the victim of reprehensible incompetence and neglect at the hands of a Home Depot kitchen designer at the XXXX, CO store location #XXXX. The following is a timeline with detailed accounts of every interaction, conversation and event that took place during these transactions.
XX/XX/XXXX - I buy appliances at Home Depot, aka XXXX, and meet with XXXX XXXX, AKA XXXX the kitchen designer at Home Depot in XXXX, CO (email address: XXXX is her email and Store ID is XXXX) and start template on the exact same day. I explained that i only wanted to get the appliances there so that everybody had proper measurements in the system for template and a seamless measurement for countertops and cabinets; I pay for the appliances separate from the countertops and cabinets that day; I ask to proceed with the cabinets and XXXX informs me that an XXXX XXXX, AKA XXXX, sale would be kicking in on the XX/XX/XXXX; I tell her lets take the next few days to make me the perfect kitchen, and I explain that I would like to spend less than $3,000; I provide XXXX with measurements based on details she told me we needed, including distances from windows to walls and ceilings to floor and a variety of other numbers; we meet for 3 hours that day and she tells me she will email me the rendering later; she does so and I send back reply email (within the hour) correcting one major measurement error (which later cost us an entire wall cabinet and circuit for led countertop lights (see email proof from myself, XXXX, sent on XX/XX/XXXX).
XX/XX/XXXX- I email XXXX asking for new rendering, but she never sends; I call in and she tells me she is having trouble with the spacing for cabinets on the rendering and to sit tight; I go back in later that day and sit with her and XXXX XXXX, AKA XXXX, gets involved, gives us advice for a dead corner in order to get the dish washer in to the right of the sink and make everything fit; I explain that I am not satisfied with having to waste that space, explaining that I would prefer a "lazy Susan" or "blind corner," but after being told neither can fit and coming to appreciate the template, and even asking a number of times are you sure these wall cabinets will all fit? they reassure me that as long as the measurements are correct, they will all fit; I say I will trust their word and that we will finalize everything for when the sale kicks off.
XX/XX/XXXX- kitchen demo begins, I completely gut my old kitchen and begin putting tile backer board down in prep for tiling floors.
XX/XX/XXXX- I go back into HD and see XXXX new rendering, and explain that i am amazed that everything can fit- including the wall cabinets on east side wall. I then explain I dont feel comfortable hiring a cabinet company to make my cabinets without someone from the store coming to measure on site, so I ask if I can hire the HD measurers and she says "no, not without them doing install;" she asks how close I live and I explain its 5 minutes away, and how I would trust her and be grateful if she would check her measurements on the rendering she created; she agrees to come over after work and double check the measurements with me; I email her directions to my house and she comes after she gets off at XXXX for final measurements before placing order.
XX/XX/XXXX- XXXX assures me that she has double checked everything and we are good to go and everything will fit; I explain that I only have XXXX on me and would like to potentially pay for a down payment towards cabinet that day; XXXX tells me the only way to proceed with the order would be to pay in full that day and mentions a HD financing option that has 24 months financing; I explain that I am hesitant to finance something and mess up my credit, but she tells me its the only way to proceed; we sign me up for the credit card and place the order .
XX/XX/XXXX- go into the HD and meet with XXXX to order the countertops; she also orders sink; asks me if I need plumbing and I say only sink install; I tell her that I ONLY need sink install and no plumbing whatsoever; ask if I can just buy counter and she says must hire the installation to secure order; i agree and we add this order to my HD financing, charges me $XXXX on HD cc and assures me that the order is now paid for in full
XX/XX/XXXX- cabinets are dropped off; XXXX is out of town so wait a week for XXXX to return; upon inspection, 2 doors are noticed to be scuffed up so I speak to XXXX (supervisor at XXXX) about rushing their shipment to arrive before install; she kindly obliges, and this is my first interaction with the cabinet manufacturers.
XX/XX/XXXX- My electrician, XXXX XXXX, comes and installs new circuits for all kitchen appliances plus led countertop lights; walls are all ripped out and new electrical lines are run for counter lights, microwave outlet and all the appliances (see pictures).
XX/XX/XXXX - all new drywall is installed and holes are made in places according to the template and measurements provided by XXXX, 2 of which turned out to be useless (see pictures).
XX/XX/XXXX - after two days of installation, my general contractor - XXXX XXXX, AKA XXXX or XXXX", who XXXX XXXX (manager at Home Depot store XXXX) later met - stops when he realizes there is no dishwasher return for counter support or dw" stability- also a complete open hole visible back to drywall @northeast corner of kitchen (see pictures); second problem emerges: 3 inches off on measurement from north kitchen wall to wall (was told to be 133" but only entered in as 130") so 6" filler piece has no filling capabilities for "dead corner"; 3rd problem emerges: 9" wall cabinet to enclose microwave hold has no space because designer ignored email sent XX/XX/XXXX reminding 64" from wall to window frame but designer ignored the email and never changed the template; XXXX makes me take an extra trip home to get the useless cabinet for return before even being willing to issue any refund; as a cause and effect: entire circuit for led lights and useless holes installed in wall by electrician; contractor is paid $XXXX and electrician paid $XXXX for led light circuit line run down; go back into home depot with cabinet that never should have been ordered in the first place and managers XXXX and XXXX issued a total of $XXXX in refunds and gave me condescending attitude about why I felt entitled to a refund in the first place; XXXX spends 40 minutes finding me some filler pieces and a wall column to close in that microwave, wall column is 42" height (needed 39") and 3" deeper then every other wall cabinet (see pictures, realized on XX/XX/XXXX installation); refuses to acknowledge her mistakes, but reveals that the corner cabinet will be obstructed by the microwave- a concept never before mentioned despite template having all items purchased at home depot the day of original design start (XX/XX/XXXX); I am told to leave with $XXXX, which is all I would be getting, and that I should be happy I even got anything.
XX/XX/XXXX- electrician comes to house and wires up outlet in upper wall cabinet over the microwave; runs a line directly down to basement sub panel and cuts line to fit in place for outlet; cuts out hole in back of cabinet for outlet and cover and is paid $XXXX.
XX/XX/XXXX - upon inspecting order receipt after seeing XXXX on Friday, it was realized that no dw return had been ordered so I went back into HD and sat with XXXX for an hour to toy around with filler ideas before ordering the dishwasher return and some filler pieces; after the piece is ordered, the manager XXXX gives XXXX clearance to pay for one item but I must still pay for my shaker trim molding- full compensation is still not even provided but i am once again told that's the best they can do.
XX/XX/XXXX - I get worried about how this is being handled and reach out to XXXX; I speak to XXXX, a supervisor, who insists she has to talk to the distributor about this issue and try to help me resolve it with HD; she calls back and leaves a voicemail telling me to expect a call from either XXXX or XXXX from the XXXX store; later I get frustrated by how wronged I have been at the XXXX store so I pursue an avenue above the local level; I meet with XXXX , XXXX at XXXX when no one at XXXX store will provide assistance; he makes it a main priority and even emails XXXX XXXX and theIr DM and branch managers above the local level; I thank him and return home; get XXXX ready to do crown molding and install microwave the next day after installation drop off.
XX/XX/XXXX- still no word from XXXX or anyone at HD but XXXX is at house when appliances are dropped off at XXXX XXXX and we see that the microwave hangs 3 inches lower then expected; the measurements for the microwave are 3 inches off despite exact specifications being in HD system; he is forced to stall on microwave install and we realize he can't do crown molding either because he will now have to remove the upper wall cabinet that doesn't fit; I email XXXX immediately but get no response about that problem, she emails back 9 hours later asking about countertop plumbing and telling me it will cost $XXXX if i want them to do it (mentions in email that I already told her I was all good); I meet with XXXX for 2 hours during that day and place multiple orders for 2 new pieces without help of designers, XXXX never shows her face to help fix the design; XXXX tells me he has spoken to XXXX the real manager who is on vacation until Sunday and has capacity to provide proper assistance and refund; contractor removed upper wall cabinet and tries to move outlet, but realizes there is no slack on the romex wire and says to get electrician over to install longer wire and hold off on pay and bulk it into next part of the job.
XX/XX/XXXX- meet with XXXX the store manager and told him the story, showed him templates, mock up renderings, emails and pictures of before and after shots from this project, and promised to speak to DM following day about getting cleared for full reimbursement at the end of the project; states that "this is not right and you will be taken care of" and agrees that everything is a major let down on Home Depot's end; electrician comes to house and installs new romex line for outlet and moves it up 6 inches on wall for XXXX to fit inside new cabinet for $XXXX; XXXX gives $XXXX reimbursement on handles for cabinets as a gesture of kind faith for all the inconveniences, and assures that everything will be made right; assures me he will be there all week to ensure this process goes smoothly.
XX/XX/XXXX- meet with XXXX again, show him more pictures, he says has spoken to DM and again states states that "this is their mistake and you will be taken care of"; I sit down with XXXX and XXXX to order more pieces to help finish the kitchen; mentioned I have trusted XXXX even though my trust in XXXX is what led us here; mentioned consumer financial protection bureau at which point he calmly reminds me that we need to get me all the right pieces and then deal with making it right; he then passes me off to XXXX who orders some final cabinet filler pieces; XXXX promises all pieces will arrive by Fri XX/XX/XXXX; XXXX never ordered scribe molding as XXXX had told him to, discovered on XX/XX/XXXX delivery.
XX/XX/XXXX- I call in to HD and XXXX tells me the pieces will in fact not all be in on XX/XX/XXXX; XXXX calls back and his only excuse about the misinformation for delivery date is "they tell us one thing Monday and then tell us another thing the next day" to justify the misleading information about product delivery, which had been promised in full for end of the week and would now in fact be completed by XX/XX/XXXX.
XX/XX/XXXX- speak to XXXX, supervisor at XXXX, who explains upper wall cabinet will ship XX/XX/XXXX. XXXX refuses to provide exact arrival date, warns it could be as late as XX/XX/XXXX. I threaten to return everything- including appliances and countertop order, and he tells me he made a note that I said I wouldn't be paying for any of it and reassures me yet again that i would be compensated at the end after all materials arrive and project is complete; XXXX calls me at XXXX XXXX to tell me he won't be in on Thursday -even though he promised earlier in the week to be in all week to ensure this process went smoothly.
XX/XX/XXXX- I get call from XXXX with no updates about arrival for wall cabinet, but more back tracking from XXXX who says he will not know exact arrival time for any items until XX/XX/XXXX and that the wall cabinet "could arrive as late as the XXXX".
XX/XX/XXXX- the replacement pieces ordered with XXXX on XXXX finally arrive, as well as some of the pieces ordered with XXXX and XXXX- still do not have all pieces; contractor is irritated that he has to make time to come back next week too -since i couldnt obtain all materials for XX/XX/XXXX (despite endless phone calls between HD and XXXX XXXX); XXXX and XXXX are at my house when I arrive there, and they bring materials to the porch and ask to come into my house, at which point i show XXXX the status of the project and each problem caused by depot designer's inconsistencies and he says "its a good thing i saw this" and once again promises compensation at the end of the project, at which point I say I am uncomfortable I don't have anything about compensation in writing, he dances around the subject of 100% refund even though i insist i want it in paper; I ask about wall cabinet and they say they "do not know when it will arrive because of the holiday" and "could be tuesday, latest Wednesday".
XX/XX/XXXX- XXXX emails false information about my countertop order at XXXX (see pictures); unbeknownst to me, my order has been on hold for a transaction i never authorized.
XX/XX/XXXX- I call XXXX XXXX XXXX when I have not received my install date and find that my order is on hold when I speak to XXXX XXXX (email XXXX), only to learn that XXXX charged me for an unauthorized service charge for my countertop installation; unbeknownst to me there was a pending balance that prevented my order from going through- when XXXX emailed me about this on XX/XX/XXXX in the midst of her measurement debacle, at which point she even references that I [in a] "previous conversation stated that you would either be taking on your plumbing or having your installer help out (see email). At which point I responded and told her she was not reliable and to relay me to someone else- XXXX or XXXX- for any more follow up ($XXXX was subsequently added to my XXXX XXXX XXXX, AKA XXXX," store balance without my consent or knowledge); in fact no one contacted me or followed up, and instead she just signed me up for the additional service and according to XXXX at XXXX the hold went into effect on XX/XX/XXXX and I only heard about on XX/XX/XXXX as I awaited installation date information; spoke to XXXX at XXXX XXXX and learned this information that Home Depot was guilty of signing me up for extra services I had outstanding payment owed for and sends me a copy of an email sent from XXXX on XX/XX/XXXX trying to sabotage my order and place a hold on it (see email from XXXX sent on XX/XX/XXXX); XXXX asks me when my installation date is and I explain there has been no date assigned due to the outstanding balance (I learned from XXXX that the hold went into place on XX/XX/XXXX in XXXX XXXX XXXX system due to charges never authorized by me); XXXX insists he will call them right away and get me "set up for installation" and when i call back and he has no update at which point I tell XXXX that I no longer feel comfortable that his Home Depot isn't out to sabotage my order and that I have email proof between XXXX XXXX XXXX and Home Depot about a hold and balances never once mentioned to me for services I never accepted; XXXX says he will look into the charges and acts like its all good once again and tells me to just wait on his call; I insist once again that a meeting with the DM is to take place and that I will not be paying for this service either, yet XXXX proceeds with the order and assures me the meeting will take place when the DM returns from vacation.
XX/XX/XXXX- XXXX came to my house with the cabinets, still not entire order however- had to send guy back later with the rest; he came into my house for a second time and saw the current status of project and the dead corner debacle; he also saw all the emails about countertops and agreed the actions were reprehensible; I told him I would not be paying for either the countertops or the cabinets and that I may file credit card fraud charges for the unauthorized charge that resulted in a hold on my counter order which I paid for in full via the same HD credit card - he told me he would speak to DM and set a meeting for once he returned from vacation; XXXX XXXX, the XXXX, witnessed the entire conversation as he was there for installation; he installed wall cabinet microwave and wall column, which was in fact 3 inches too deep for the cabinet depth despite ALL other cabinets already ordered in the system, so he cut everything down with a table saw to make due; another problem emerges as we run out of crown molding, which XXXX also ordered too little crown molding and we ran out, so XXXX ordered more to arrive next Tuesday.
XX/XX/XXXX- call from XXXX at XXXX telling me measurements are off for sink depth due to sink ordered (by XXXX) to fit in counter with backsplash; I get XXXX on the phone to fix it and after 20 minutes on the call XXXX tells us there is a suitable replacement; replaced with a rectangular one instead of oval, which has 4 inches less depth and doesnt match with the XXXX$ sink faucet i bought at home depot; yet another issue caused by designer and fixed by me personally as intermediary between distributor (XXXX) and manufacturer (HD)- XXXX tells me this is "inexcusable" and apologizes emphasizing that he and DM will take care of everything.
XX/XX/XXXX- XXXX tells me crown molding is being overnighted to my house and sets meeting date with DM for XX/XX/XXXX at XXXX XXXX.
XX/XX/XXXX- I get countertops and sink provided by XXXX is installed with a dent; XXXX, the field supervisor, goes back to XXXX and gets a new sink to install; I go to HD at XXXX XXXX and try to explain my case to the DM, who told me he "wasnt trying to be there for an hour" and interrupted my explanation as to the damages owed, at which point he offered XXXX (which he claimed to be the remaining cabinet balance) and I turned him down; explained story and he had little compassion, told me i could "out talk him" and "tell my story" as much as I wanted; threatened to ban me from store if i used wrong demeanor or tones with his employees; XXXX sat there quiet and never reaffirmed any of his prior claims about making things right for me or the reprehensible behavior of his employees throughout this project.
Summary of Home Depot Errors:
1. XXXX XXXX ignored email sent on XX/XX/XXXX with proper measurement from wall to window on northeast side of kitchen (64 - see email to XXXX)
2. kitchen designer came to customers house to double check measurements the night before the order was placed; see email providing directions to customers house; still got other wall length wrong on north side of kitchen, mistakenly had 130 in template instead of 133 - effectively leaving 6 universal filler piece completely worthless and leaving a wide gaping hole visible to the drywall in the northeast corner of the kitchen cabinets with no support for countertops (see pictures)
3. kitchen designer ordered a 9 wall cabinet for a space that had a 6 clearance from the microwave hood to the window trim, ignored email mentioned previously; the original concept showed wall cabinet over counters, and my electrician installed romex cable for led light fixtures to be mounted underneath the wall cabinets; before ordering, I explained my concern about the space and was reassured that everything would fit; when going in to complain, greeted with animosity and barely provided compensation, but also forced to go retrieve worthless cabinet and cart it back myself; designer orders a replacement wall column to go over the useless holes that were drilled for the counter lights and also to close in the microwave hood
4. kitchen designer neglected to order crucial components for dead corner including dishwasher return and proper filler pieces for the space, despite persuading customer to accept wasted space in exchange for fitting in a dishwasher; contractor has to field cut the return to add kick board and install 2x4s for any support to even piece the filler pieces together; effectively created a lip in the kick board because otherwise there would have been no counter support for that corner (see pictures)
5. upon being confronted, designer revealed that appliance would obstruct corner cabinet and prevent it from opening fully - a concept never before mentioned until meeting on XX/XX/XXXX to rectify original wall cabinet and dead corner errors
6. upon appliance drop off, delivery men show that the microwave hangs 3 inches lower then cabinets and too close to the range oven; it later was revealed that the entirely wrong measurements were entered into the template, despite all information being readily available in HD system with exact specifications* (see pictures)
7. the wall cabinet that was already installed had to be removed, despite outlets being installed for the microwave hood (see pictures); separate costs are incurred for electrical rewiring when worker must rewire things to raise 6 higher for new wall cabinet that is ordered on XX/XX/XXXX to replace the one that cant actually fit over the microwave hood (see pictures)
8. the wall column that was ordered on XX/XX/XXXX finally arrived on XX/XX/XXXX and was revealed to be 3 too high for the other wall cabinets and also 3 inches too deep; must be hand cut in both height and depth in order to fit with the other cabinets - designer haphazardly ordered a completely faulty replacement piece as a useless attempt to fix the original problem
9. realize that designer ordered too little crown molding despite assuring there would be at least 20% extra
10. designer ordered the wrong # of handles for cabinets, despite a 2 week order time frame and never made an attempt to order the rest; I had to do it personally online after the handles came in and were several short of the necessary amount
11. designer responded to emails about appliance measurement errors with completely irrelevant question about plumbing services for countertops; ignores response which tells her she is off the project, and effectively puts a hold on the order through XXXX as enacted on XX/XX/XXXXfor an unauthorized service charge, despite having witnessed me pay in full for the countertop order to XXXX XXXX XXXX; order is effectively on hold for a week, and XXXX emails XXXX on XX/XX/XXXX telling her to keep a hold on my order and lying about intent to contact me about an outstanding balance and ordering XXXX at XXXX to put a hold on my order, which she does the following day (see email chain from XXXX > XXXX and XXXX > XXXX, reveals malicious intent to stall an order that I already paid for in full and made all necessary services quite transparent)
12. call from XXXX at XXXX telling me the designer ordered me a sink that would not allow my faucet to sit behind the sink in front of the window, despite representation on the template as such and a clear understanding from the customer that my faucet would be centered in the middle of my sink in front of the windowsill ( and yes, XXXX ordered my sink and charged me for it); I am forced to call XXXX the manager at XXXX and express that I will not be paying for the countertop after being fraudulently charged for a service that I never required; XXXX sends me email showing XXXX intent to hold my order and prevent its completion for said unauthorized charges; install date is set at which point sink and counters get installed; sink is dented so XXXX goes to XXXX factory and replaces it, extends the job by an hour but still gets it done
*the very purpose for ordering appliances, counters and cabinets at Home Depot was specifically for seamless integration for any rendering and template made in the HD kitchen design center - none of which took place when the measurements were incorrectly entered into the original template despite.
Additional Damages:
- 2 XXXX XXXX at XXXX XXXX XXXX XXXX since XX/XX/XXXX (and a 3rd scheduled for XX/XX/XXXX)
- XXXX XXXX and manipulation at the hands of kitchen designers and HD managers who refused to acknowledge their negligence and make right on their mistakes
- financial debt and credit utilization issues and being coerced into opening a credit card under the pretenses of 24 month financing when the actual stipulations are far less advantageous and I am currently accruing interest on my HD charges with that very same card opened in XX/XX/XXXX
- extra $XXXX in electrician fees for wasted wires and outlets and necessary line extensions
- extra $XXXX in contractor fees for wasted time and rigging together dead corner, wall column and crown moulding
- compromising and settling for an inexcusable level of negligence, incompetence and malfeasance at the expense of me and my property
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| 08/09/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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To be sure you have this I am opening my own complaint. The email below is what I received from the FDIC. I was told by my attorney general 's office to file a complaint with the FDIC. Now they are pushing this on as is detailed in their brief email below. I have put in after the FDIC email the complaint I filed with the FDIC. Thanks, sorry the length of all this. I 've enclosed the details as a separate document as well. XX/XX/XXXX Ref. No : XXXX Re : Citibank, National Association, XXXX XXXX, SD ( CitiFinancial/OneMain Financial ) Dear XXXX and XXXX XXXX : Thank you for contacting the Federal Deposit Insurance Corporation ( FDIC ). The FDIC 's mission is to ensure the stability of, and public confidence in, the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XX/XX/XXXX. The Dodd-Frank Wall Street Reform and Consumer Protection Act created the Consumer Financial Protection Bureau ( CFPB ). Based on our review of the issues you raise in your correspondence, we believe your concerns should be referred to the CFPB for assistance. We are forwarding your correspondence to the CFPB at the address below. Sincerely, Consumer Response Center To : CFPB From : XXXX XXXX Date : XX/XX/XXXX Re : A loan with CitiFinancial, a subsidiary of Citibank This document describes details and actions about a loan my wife and I had with CitiFinancial. We firmly believe that we are the victims of embezzlement and fraud to cover up this known act that was perpetrated by an employee within CitiFinancial. During the tenure of the loan, we believe CitiFinancial and their employees deliberately with malicious intent, violated multiple federal and state rules and regulations regarding loans to consumers within the State of Ohio. We firmly believe CitiFinancial should be held accountable for their actions against us and for any others that may have been erroneously vilified, maliciously harassed, deliberately cheated and swindled out of money. This is the details. In XX/XX/XXXX, we secured a 2nd mortgage against our house with XXXX XXXX. The 2nd mortgage was for {$15000.00}, for a ten year loan. A copy of the original loan application and paperwork are available for inspection. The loan was sold to CitiFinancial almost immediately. A copy of the sale or transfer to CitiFinancial is available for inspection. We made payments per the original loan agreement. We fell behind a couple times but we always caught the loan back up per the manager at the time with CitiFinancial, and per the entries in the spreadsheet from CitiFinancial ( more about the spreadsheet later ). During the course of the loan, from time to time, we were offered by CitiFinancial a Skip a Payment option. The option was to skip a monthly current payment, dont make it for the month. The payment would be added onto the end of the loan. No extra costs were incurred for this. In essence the same number of payments would be made per the original loan agreement, but the period to make these payments would get extended by one month. We accepted this offer from CitiFinancial several times. When I asked the then current manager of CitiFinancial in XX/XX/XXXX, how many of these skip a payments we had accepted, I was told a total of 12. However in the spreadsheet sent to us by the CitiFinancial manger, ( which was the CitiFinancial bookfor our loan ), I can only count 10 of these. Using 10 as the correct number, our loan was extended 10 extra months. During the last almost 4 years of the loan we made every payment on time per the loan agreement. The credit reporting bureaus showed this at one time. The credit bureaus were able to verify this, until XX/XX/XXXX, when CitiFinancial dropped our payment history and replaced it with extremely damaging information. The first payment was due on XX/XX/XXXX. Per the loan, 120 payments ( ten years ) for the loan means the last payment would be XX/XX/XXXX. CitiFinancial provided a letter stating these exact same facts. Because of the ten Skip a Payments the new final payment should have been XX/XX/XXXX. The original loan agreement specified that the total interest or finance charge would be {$15000.00} for the ten years. The original loan amount was {$15000.00}. The annual percentage rate was 15.666 %. The total of payments would be {$30000.00}. During the tenure of the loan, about 2.5 3 years into it we ran into some financial difficulties. Payments were late. But we caught the loan up. At one point during our financial difficulties, in XX/XX/XXXX, the then CitiFinancial manager XXXX stalked me at my house. I had never met XXXX, nor had my wife. The only way he could have known who I was, was by stalking me at my house. Watching when I left, and when I returned. Who else was going in and out of our house. When I left for work one morning, I rode the bus at the time, he stopped me on my way to catch the bus at the bus stop! He told me who he was and he demanded payment! I had never met him before and to say I was dumbfounded was an understatement. He was yelling at me as my bus pulled up. All I could think of doing at that point was saying I had to leave and that I would have my wife try to get some money to him later that day. I called my wife at work and told her what had happened. She said she would try and borrow some money and get it to him. I went on about my work. Later that day I caught the bus home. I got off the bus and walked part way home when XXXX showed up again. He blocked me from continuing home. He yelled my wife had not contacted him and he wanted payment! I again was dumbfounded and to be honest a little scared. I told him I had not had a chance to talk to my wife since this morning and I would be talking to her as soon as I got home. He yelled some more things and I finally said look I cant do anything here let me go home and see what we can do. He said I had better have the money the next day, and left. I got home told my wife again what had happened and with a lot of tears she finally got a friend to loan us some money. We dropped it in the CitiFinancial branch office mail slot that night. That was the largest payment we ever made to CitiFinancial, but it was what XXXX had demanded be made. As I stated before, I had never met XXXX before that. I have never been in the XXXX, XXXX office, which is now closed. Nor have I ever met any of the other XXXX XXXX office employees. But I can describe XXXX and the vehicle he was driving to prove I am not lying about this, as crazy as it sounds. Sometime in XX/XX/XXXX we were looking at paying off CitiFinancial. In XX/XX/XXXX, I asked the new manager at CitiFinancial, XXXX, how many Skip a Payments I had received over the ten years. She told me then that we had received 12 of them. Since we had paid 5 in XXXX, only 7 should have been left, using her count. My wife pays the bills so I do not regularly look at the monthly statements. I looked at the XX/XX/XXXX statement and it indicated that {$7900.00} was still due on the loan. That was impossible! Only 7 payments was due approximately {$1700.00}. A whopping difference of over {$6000.00}! I contacted the CitiFinancial office, and talked to the manager XXXX, again. I told her the payoff amount could not be correct. There were only 7 more payments to be made. She said their payoff amount was correct and that I was wrong. I started looking at the statements we had and the tax information received from them and the original loan agreement. During this time we made the XX/XX/XXXX payment, so by my understanding only 6 payments should have been left. I called XXXX back and told her they were incorrect about the amount owed. I told her about the total number of payments and that only 6 were left. She would not listen to me. She insisted I had to pay the {$7900.00} amount. I told her I would not pay it. A couple days later I received a collection agency request for full payment. I disputed the validity of the debt. The collection agency then sent me a copy of the CitiFinancial spreadsheet used by them to record the payments. The spreadsheet shows interest and principal per payment, late payments, when a payment was received, when it was booked to the account, etc. We believe we were the only customers of the XXXX office that the manager sent a copy of the account spreadsheet to. I went thru this and counted up all the payments made and those skipped. I also went back and pulled all my tax records and looked at the interest reported to the IRS for XX/XX/XXXX thru XX/XX/XXXX. I totaled the interest up. It came up to + {$21000.00}! The original loan said that for the 120 payments the maximum amount of interest that could be charged was {$15000.00}. I was overcharged in interest by over {$6000.00}. The amount of overcharge should have been applied to the principal. Had CitiFinancial done that there would have been no problem. Yearly, from the first payment of the loan, the principal and interest was miscalculated by CitiFinancial employees. I contacted CitiFinancial several times about their mistake by phone and mail. They refused to listen to me. Demanded payment or lose my home. Then I received a demand for full payment from XXXX XXXX XXXX attorney at law. The amount being demanded was {$7800.00}. Im not sure how they came up with {$7800.00}. The XX/XX/XXXX/ XX/XX/XXXX monthly statement shows {$7900.00} as the total amount due. However in all correspondence since the demand has been for {$7800.00}. I received letters and phone calls from both CitiFinancial and XXXX XXXX XXXX office. Thats when I contacted an attorney about the problem. Their advice back then was dont pay them anymore. They will sue you and when they do we will counter sue. This was XXXX XXXX, in XXXX. XXXX followed up with me in XX/XX/XXXX to see if CitiFinancial was suing me. I told him they had not at that point as far as I could tell. He said just wait they will. Well, CitiFinancial did not sue us, or take our home, or try to take it. In XX/XX/XXXX, after sending a letter to the CitiFinancial home office complaining of the harassing phone calls, I received a letter from OneMain Financial saying they would stop the phone calls, at home and at work. They did abide by this. They continued to send monthly statements up through XX/XX/XXXX. It was during this period CitiFinancial renamed their company to OneMain Financial. The statements from XX/XX/XXXX to XX/XX/XXXX were from OneMain Financial. In XX/XX/XXXX XXXX, a collection agency, sent me a letter telling me the account was turned over to them. There was one phone call from them shortly thereafter in XX/XX/XXXX. The gentleman on the phone, XXXX XXXX was polite and asked why we quit paying on the loan after 4 years with no problems. I explained what the problem was. He said thank you and I never heard from him or anyone else from XXXX or CitiFinancial until XX/XX/XXXX. However in XX/XX/XXXX CitiFinancial absolutely wrecked my credit rating. They reported something called a charge off with lien to the credit reporting agencies. Because of this : we were unable to refinance our house, we paid extra for credit when we did get it, we were denied credit, we had to have family help when we could not get credit. They have cost us thousands upon thousands of dollars. We have an 8.00 % mortgage, which at the time still had 17 years to go. Plus the high interest on a new car loan in XX/XX/XXXX, and so on. Not to mention the embarrassment of having to ask family for financial help. In XX/XX/XXXX I received a letter from CitiFinancial saying the account was being transferred to another CitiFinancial office in XXXX North Carolina. The account number was being changed because of this. Yet again I called the North Carolina office and tried to explain the problems, but to no avail. They started sending me monthly statements from XX/XX/XXXX through XX/XX/XXXX. They also started reporting a charge off with lien to the credit reporting agencies. So now my credit report shows two of these items : one from OneMain Financial, and one from CitiFinancial North Carolina. To say my credit rating was beyond poor would be an understatement. Then the really big bombshell hit in XX/XX/XXXX. After all the complaining I had done, telling them they really needed to look at the actual numbers of the loan they sent me a letter stating : The lien securing your mortgage will be released. Additionally, we have agreed to forgive all of the balance on your mortgage in the amount of {$7800.00}, and any other amounts related to that mortgage. Oh and by the way you XXXX have to report this as income since we are sending a XXXX to the IRS stating that we forgave you. To say I was highly irate would be an understatement. They were forgiving us for their actions, and after everything else they had cost us they were having us pay more in taxes for their stupidity!! Needless to say, I contacted them once again and tried to straighten this out and tell them they could not do this. Once again they told me I didnt know what I was talking about, and ( this is very interesting ), that we were part of a select group of individuals that CitiFinancial was doing this for. That is important to remember, because if the other customer loans were handled like mine was, then there are a lot of other people out there that CitiFinancial owes money and apologies to. Thats when I hung up because thats when I realized they actually had reviewed the account and realized their mistakes, or fraudulent employee actions, and this was their way of covering it up, so that the IRS, SEC, State and Federal government agencies would not know about it. Of course I claimed the XXXX amount as required and paid extra taxes because of it. I contacted XXXX XXXX, again about this. The one I had contacted before, telling him and giving him everything I had. This was XX/XX/XXXX. At that time he said he wanted the case. I provided him a copy of the spreadsheet. He said he would have some experts look it over. Eventually they filed a lawsuit against CitiFinancial in XX/XX/XXXX, or at least it looks like they did. It took so long to file this because he kept trying to figure out a way to make this a class action suit. By this time I also started sensing that maybe he did not want to take this case anymore. CitiFinancial came back and told him that we didnt make the very first payment on the loan and that all the interest due was because of that. They used the verbiage about how the interest is calculated as their excuse. This was when I really started doubting XXXX XXXX wanted the case. Also, Im a bit hesitant to say it but I think my attorneys were not well versed in contractual financial agreements. He told me I had to produce evidence that the first payment was made by producing a copy of the cancelled check. Something I or my bank was supposed to have from 17 years ago. Not hardly. I said CitiFinancial knows we cant produce something like that, thats why they are using this as their argument. My attorneys advice was to drop the case without it, so he did. However my argument is that the spreadsheet itself is all the proof that is needed to show how unscrupulous, deceiving, and illicit CitiFinancial actions have been. I went back after XXXX dropped the case and looked over the spreadsheet very closely. I had not done this before, because I had assumed when XXXX said he would have experts look over the spreadsheet that they would have identified any irregularities, other than principal and interest being wrong. I gave him the spreadsheet back in XX/XX/XXXX. After all they were supposed to be professionals. Boy was I wrong! I found many errors and faults, entries that look more like someone covering up illicit activity. And clear without a doubt evidence that we did indeed make the very first payment on time.
Briefly CitiFinancial messed the account up from the very first payment. The spreadsheet shows this.
The very first and second entries, spreadsheet items
1 and 2 appear to be some kind of setup codes. The next entry, item 3, has a pmt code, for a payment. The da
tes for the pmt entries are the key. The dates show date payment was received, date payment was booked, and date for which payment it applies to, in that order. Entry 3 shows XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That means on XX/XX/XXXX they received a payment from us for {$250.00}, they booked it to the account on XX/XX/XXXX, and they booked it to ..the wrong payment!!!! They booked it to the XX/XX/XXXX payment!! It should have been booked to the XX/XX/XXXX payment!!! That is their missing payment! This could have been an honest mistake, but I dont believe it was because of later entries. I believe that CitiFinancial deliberately skipped the first payment entry. I believe this is a tactic used to cheat their customers. I contacted XXXX about this but he was not interested in pursuing the case. I then looked more closely at the spreadsheet entries for other irregular items. Since I knew that the first payment was made, and on time, I looked at the next couple of entries to see if this was deliberate illicit activity and not just a mistake. When I was employed at XXXX XXXX XXXX we got paid every two weeks. That generally meant our bills got paid up to two weeks late or two weeks early, or on time. Looking at the other entries : Entry 4 the XX/XX/XXXX date was the XX/XX/XXXX payment, within the 15 days to avoid a late penalty per the contract, Entry 5 the XX/XX/XXXX date was the XX/XX/XXXX payment, again within the 15 days to avoid a late penalty. Things get strange at Entry 6. Rather than being a pmt code its an xpmt code. I believe in XX/XX/XXXX they got two payments in. The xpmt code indicates extra payment. I believe what happened is this. In XX/XX/XXXX somewhere between XX/XX/XXXX and XX/XX/XXXX CitiFinancial got a payment in for the XX/XX/XXXX payment from us. They already had the XX/XX/XXXX payment booked so they booked this to the XX/XX/XXXX payment. Then on XXXX XXXX they got another payment in from us for the XX/XX/XXXX payment. We made two payments in XX/XX/XXXX because in XX/XX/XXXX XX/XX/XXXX we received our tax return. Im sure when the extra XX/XX/XXXX payment came in they took the opportunity to pocket the money. They then keyed over the existing XX/XX/XXXX entry with the XX/XX/XXXX entry. But somebody made a notation on the pmt as xpmt, indicating two payments were in. They did this in case anyone caught on to what they were doing and they could claim a simple mistake, and correct it That extra payment went right into the managers pocket XXXX or one of his cohorts in crime. Another fact at this point of the loan. The interest and principal were wrong for these first five payment entries. I noted this in my spreadsheet issues, but within the first XXXX payments, we had already been swindled out of {$170.00}. Money that should have been applied to the principal but was applied to the interest instead. Every payment after these five were wrong for the interest and principal as well. Not only did they calculate them wrong, looks more like they threw darts at a number, they used the wrong interest rate per their own spreadsheet on each and every payment entry as well. Entries 7, 8, 9, 10 are probably correct for dates and payments only. From here on there are many more unusual, abnormal entries that look like the workings of someone stealing from their employer. I believe XXXX and possibly one or two others in the XXXX office were embezzling money from CitiFinancial. They used the high interest collected for CitiFinancial to cover their theft from CitiFinancial executives and superiors. Since the office was doing well, there was no reason for CitiFinancial to send anyone from the home office to review the accounts. After all CitiFinancial was making very good money. At some point after XX/XX/XXXX, we believe CitiFinancial caught on to Jasons embezzlement. This might explain why he was so desperate to get money from us in XX/XX/XXXX, to keep the home office from reviewing accounts. Rather than turn XXXX in and put money back into the accounts and straighten them out, CitiFinancial decided to cover it up letting XXXX go. There must have been substantial theft or costs to be incurred by CitiFinancial to decide to pursue this course. Apparently CitiFinancial executives thought they could just cheat their customers out of more money to reduce their losses. I realize the embezzlement accusation is just that. Without proof it is nothing more, but the spreadsheet entries clearly suggest something irregular was going on. I do believe the spreadsheet is a smoking gun showing multiple irregularities that may be criminal in nature or violations of state and or federal rules and regulations concerning loans. I know XXXX stalking me had to be a violation, and or criminal action. Because of his actions stalking me I would not put it past him to have been embezzling from CitiFinancial. I also believe the actions taken by CitiFinancial to cover up this theft and still try to recover money may be criminal as well. As mentioned previously I have a copy of the original contract taken out with XXXX XXXX, a copy of a spreadsheet from CitiFinancial used by them to service the loan, a spreadsheet that contains every irregular or illicit entry and other erroneous information found in the CitiFinancial spreadsheet, an estimate of what I believe are my damages to date, and this letter documenting the details. I also have many other documents as well pertaining to this. All are available if requested. Out on the internet you can find many complaints by other CitiFinancial customers complaining about the same thing as methat the principal does not decrease as the payments are made. Lots of complaints. Thats why I think the handling of my loan was no accident. After seeing the many complaints on the internet I am led to believe that illicit activity within the CitiFinancial offices is more the norm than the exception. Worse though it that CitiFinancial executives would rather hide or cover up these problems than publicly admit them, or put safeguards in place to prevent them. At a minimum the XXXX XXXX office cheated me and perhaps many other customers. That might be one reason it was closed. That might also be whom was referred to by the CitiFinancial customer rep I called in XXXX XXXX. There may be a group of CitiFinancial customers from the XXXX office that got the forgiveness deal. Most likely all of them were cheated by CitiFinancial as well. Could my account handling be one of many throughout CitiFinancials many offices? Maybe. If so then this problem is a much larger and bigger problem. Perhaps larger than the recent XXXX XXXX fiasco. Another point to make is not only were my taxes filed incorrectly for the years of the loan, CitiFinancials yearly statements were incorrect as well. They did not make as much money as they said they did. Maybe the SEC might want to look at this too? I still do not know if the IRS will require me to refile or audit any of the years XXXX XXXX of my tax returns. Perhaps the IRS will want to re-audit CitiFinancial for these years as well, especially if criminal activity was going on. And of course our credit rating is still suffering because of them. Seven long years and counting. I still can not refinance my home because of the credit entries. Just losing more money every day. We are still paying. Paying for the deliberate illicit actions done to us. It just isnt right. XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXXXXXXXXXX I 'm attaching the CitiFinancial spreadsheet which is a pdf image of the original document sent to me. Also attaching the contract, a spreadsheet I created pointing out every irregular, incorrect or illicit looking item in the spreadsheet, and a list of damages I believe I have to date. The CitiFinancial spreadsheet I have is a copy of the original. I scanned this in and made it a PDF image document. When you open the document, most likely you use XXXX PDF reader, you have to rotate the image, right click on the document and a box/window opens in it you will see rotate image command. You need to click on the rotate command. You will need to do this three times to get the image appearing correctly. Finally again I have a copy. They shrank the original document down to fit an 8.5 x 11 paper size. Makes it very small. But XXXX PDF gives you the ability to increase the image size, the plus or minus buttons around the middle top. I usually go to 125 or 150. You can clearly make out the characters at these levels.
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- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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In XXXX I opened a Macy 's American Express Card issued by Department Stores National Bank with a {$2000.00} credit limit. Since I have had the card DSNB or Macys has on a continuous, excessive, irregular, and spontaneous basis conducted so called " reviews '' of my account by obtaining copies of my credit report without notice to me and without my permission. DSNB or Macy 's has used this information to decrease my credit limit from {$2000.00} to {$1900.00} in XXXX of XXXX and again to decrease my credit limit from {$1900.00} to {$1800.00} in XXXX of XXXX copies of the notices of the credit limit decrease are attached for your review. In XXXX of XXXX I was notified by Macy 's that my Macy 's XXXX card would not be renewed beyond the expiration date of XX/XX/XXXX even though I have always paid by bill on time and never exceeded my credit limit and that the decision was made in whole or in part of information DSNB or Macys obtained about me from a single credit bureau, XXXX, even though DSNB and Macys reports information regarding this account to all three major credit bureaus and the decision was made approximately eight months before the card expires and not closer to when the card expires and regardless of if the information contained in the credit report is accurate or not. How do I know that DSNB or Macys did not pull a no impact or soft inquiry/pull of my credit report from XXXX or XXXX as well and then chose the credit report with the lowest score to make a hard inquiry and then use that report to base a decision on? DSNB and Macys even admitted that they review credit reports and it does not appear as an inquiry on the credit report or impact the credit score. DSNB or Macys offers no explanation or information regarding what precipitated DSNB or Macys conducting unusual, irregular, inconsistent, and spontaneous reviews of my account and lowering or decreasing my credit limit twice ( once in XXXX of XXXX and again in XXXX of XXXX ) and then choosing not to renew the card account in XX/XX/XXXX when the card does not expire until XX/XX/XXXX and not closer to the expiration of the card. I dont need one of the automatons to tell me for the third time that DSNB regularly ( which is not true as discussed above and is on an unusual, irregular, inconsistent, and spontaneous basis ) reviews credit report data to determine if our cardholders continue to qualify for their accounts. We may review a copy of your credit report ; however, it does not appear as an inquiry on your credit report or impact your credit score.
In XXXX of XXXX ( eight months prior to the expiration of the card in XXXX of XXXX ), DSNB or Macys sent me a letter stating that they will not be renewing my Macys American Express card beyond the expiration date of XXXX of XXXX. According to the XXXX letter, I appears that DSNB or Macys without my permission and knowledge pulled my credit report in XXXX of XXXX ( the letter does not specify the exact date that DSNB or Macys pulled my credit report to conduct a so called review ). DSNB or Macys has offered no explanation of why DSNB and Macys made the decision no to renew my Macys XXXX card in XXXX of XXXX eight months prior to the expiration of the card and did not mail the notice of non-renewal until mid-XXXX instead of waiting until XXXX or XXXX ( XXXX is the month the card expires ) to make this decision and allow me time to review and or dispute items or pay down or pay off balances which would greatly enhance or improve my credit score. Since DSNB or Macys has made this decision not to renew my Macys XXXX my credit score has improved and gone up and is higher than it was in XXXX when DSNB and Macys last reviewed my credit file and made a decision not to renew my Macys XXXX.
DSNB or Macys offers no appeals process or any opportunity for a customer to provide any additional information about their financial assets or income for DSNB or Macys to reconsider the decision. The decision not to renew a credit card account should not be made eight months in advance of the card expiring instead, the decision should be made closer to when the card or account expires and is up for renewal. Again, DSNB or Macys has offered no explanation as to why this decision was made so early in XXXX of XXXX and eight months prior to the current card expiring in XXXX of XXXX.
Department Stores National Bank ( DSNB ) or Macys is not properly and prominently and conspicuously disclosing the extent of Citis involvement in its credit card accounts and the DSNB is a subsidiary of Citi when issuing Macys branded credit cards. The customer agreement ( a copy of which is attached ) makes it appear that the customer is entering into an agreement with Department Stores National Bank not Citi. The definitions section of the agreement defines we, us, and our to mean Department Stores National Bank ( DSNB ), the issuer of your account. Department Stores National Bank is located in XXXX XXXX, SD. DSNB should have to be more forthcoming and fully and prominently disclose to consumers the extent of Citis ownership and involvement with the consumers account and not just list Citi as an affiliate ( companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a Citi name, including Citibank N.A. and Macys and Bloomingdales ). DSNB should have to disclose all affiliates with whom DSNB does business with and or shares information about consumer with to consumers. The back of the credit cards indicates that the card is issued by Department Stores National Bank and not Citi. Additionally, all correspondence received by me are on Macys letter head and signed by an employee who works at the Macys Executive Office so DSNB and Macys continues to mislead consumers about Citis involvement in the Macys branded credit card accounts and that DSNB is a subsidiary of Citi.
As discussed and outlined above this is misleading due to the fact that this seems to be a decision made by Citi in which DSNB or Macys is a subsidiary of and is in retaliation of a dispute between me and Citi regarding a Best Buy Visa credit card and is omitted from the letter or notice to me that my Macys XXXX card will not be renewed beyond the expiration date even though the letter appears on Macys letterhead and would the least sophisticated consumer the impression that the letter is from Macys and not Citi. The letter makes it appear that the decision was based on the decision was based primarily or entirely on information contained in a credit report obtained from XXXX when that may not be true making the letter false and misleading.
In XXXX Citi closed ( by refusing to renew ) my Best Buy rewards Visa card and refused to work with me to resolve the issue. Citi continues to report adverse information regarding this account to all three credit bureaus even though Citi made its decision based on information it obtained from only one credit bureau XXXX instead of obtaining and including scores and reports from XXXX and XXXX and refuses to remove the account from my credit reports with all three credit bureaus XXXX XXXX and XXXXXXXX even though the customer agreement and the Fair Credit Reporting Act does not prohibit Citi from removing the account from my credit report 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). The letter is in the exact same format and font as the Best Buy letter copies of which are attached for your review. At least the Best Buy Card indicates and discloses Citis involvement unlike the Macys XXXX. Citi also refuses to work with me and or negotiate any resolution or settlement with me regarding the Best Buy account claiming that a settlement is/was not available and or government regulations and the law prohibited Citi from negotiating a settlement without citing specific regulations and or laws that prohibited Citi from doing so. Citi refuses to provide information to substantiate its claims ( such as citing specific government regulations or legal code sections or laws ) so that information can be researched and verified. Citi only wants to offer the same robotic and generic responses and or refuses specifically address this. Citi only offered one settlement of 50 % of the balance after ten months after the card expired and Citi closed the account and Citi charged the account off as required by law and charged and assessed {$890.00} ( {$250.00} in late fees and {$630.00} in interest ). Citi still refuses to negotiate and work with me to settle and resolve this matter for good. Citi has also forwarded the Best Buy account to two different collection agencies both of which have made little to no effort to collect this alleged debt beyond sending a dunning letter and responding to a request for validation.
Citi has now retaliated against me for a dispute with the my Best Buy rewards Visa card by refusing to renew my Macys American Express Card and I was not properly informed of the extent of Citis ownership and involvement with my Macys American Express as explained previously in this complaint. The company refuses to reconsider its decision or offer any type of appeals process to its decision. The company also refuses to allow me to close the account and or settle the account for less than the full balance. No laws or government regulations prevent DSNB or Macys from doing so. If DSNB or Macys claim that there are laws or government regulations that prevent them from doing so DSNB or Macys should be required to identify and cite each law or government regulation that prevents them from doing so or that DSNB or Macys is relying on to respond to this complaint. The company also refuses to remove the information from my credit file with the three major credit bureaus even though the customer agreement which states We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may report account information in your name and the names of authorized users. We may also obtain follow-up credit reports on you. If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing statement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that. '' and the Fair Credit Reporting Act ( FCRA ) 18 U.S.C. 1681i and 18 U.S.C. 1681s-2 ( b ) does not prohibit Citi from doing so. I also find it interesting that Macy 's is basing its decision on information from one credit bureau XXXX however, DSNB and Macy 's are reporting information regarding this account to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX ). When responding to complaints about the credit reporting and request to deletion or removal from the credit reports, the only thing that DSNB and Macys minions and apparatchiks do is repeat the mantra and offer the same response as a credit provider, we are obligated to report the account accurately to the credit reporting agencies. While the statement it true, the statement is designed end all discussion about credit reporting without DSNB or Macys having to answer any question or be subject to scrutiny and to be misleading and misrepresents the truth. DSNB is required by law ( FCRA ) to report accurate information about a consumer to all credit bureaus however, DSNB and Macys are not required to report information about a consumer to any credit bureau and is not prohibited by the customer agreement or the FCRA from removing or deleting information about a consumer from any credit bureau as stated and outlined above. This statement is engineered and designed to be misleading ( and a gross and intentional misrepresentation of the facts ) and intended to end, close, or shut down any further investigation, inquiries, scrutiny, or discussion of the issue.
Another reason that DSNB and or Macys refuses to remove this account from my credit report is so if I dont pay the bill, DSNB or Macys could leave the information on my credit report so that DSNB and or Macys can attract collection agencies or debt buyers to possibly purchase the account for pennies on the dollar and then the collection agency that buys the account will come after me for the full balance. The collection agencies case would be based mainly on information contained in the credit report. My experience with debt collectors and debt buyers is that if you file an answer and show up for court or are represented by an attorney you are more likely to have the case dismissed or settle the case for less than the full balance when a dismissal is not possible. DSNB and Macys wants to hold my credit hostage and use it as a mechanism to extort money out of me ( either pay what we say you owe even if it is wrong or we will report adverse or negative information about you to the credit bureaus ) even if the amount DSNB or Macys claims I owe is incorrect or is more than what DSNB or Macys is entitled to. DSNB and Macys should have to address this issue fully and completely and not just issue a general and generic, repetitive, incomplete, unhelpful, and cursory response as a credit grantor, we are obligated to report the account accurately to the credit reporting agencies. I expect and demand a better response along with an explanation and for DSNB and Macys to address the issue fully and completely. I expect DSNB and Macys to specifically address the fact that the customer agreement does not require or mandate that DSNB and Macys report information about me to a credit reporting agency and does not prohibit DSNB and Macys from removing or deleting information from my credit reports. I also expect and demand that DSNB and Macys specifically address 18 U.S.C. 1681i and 18 U.S.C. 1681s-2 ( b ) of the FCRA which does not prohibit a creditor or information burnisher/supplier from removing or deleting information about a consumer from the consumers credit file and not just say that they are not authorized to address a legal question or issue.
I also expect and demand that if DSNB or Macys to identify, quote, or site any government regulation or legal code section of any law that DSNB or Macys is relying on as justification not to settle this account for less than the full balance and remove this account from my credit report or that DSNB or Macys is relying on in its response.
DSNB or Macys is being careful of how it responds and does not want to provide any information that could be used against them and is just offering a generic form response so that DSNB and Macys can say it responded and move on to the next one. Do the minions even take the time to read the complaint and come up with an original response instead of just copying and pasting or repeating the mantra of the previous minion almost verbatim like an automaton? Or are they in such a hurry as to just issue a response to say that they responded and close the file so that they can move on to the next one? For example, in a letter dated XX/XX/XXXX, XXXX XXXX claims after researching the decision not to renew you Macys XXXX XXXX account ( which I dont believe she did ), we ( not her who is we ) determined the information ( does not indicate or specify what information was examined or used for this alleged research and used to make any determinations ) the information, ( what information ) to be correct ; therefore we are unable to comply with your request to renew the account. XXXX XXXX also included a copy of the credit card agreement ( a copy of which is attached for your review ) which makes no reference or mention of Citi being affiliated or associated with the account in any way DSNB should have to review this agreement and specifically highlight and point out were it makes any mention or reference to DSNB or Macy 's affiliation or association with Citi. On XX/XX/XXXX, XXXX XXXX wrote a follow letter that is almost verbatim and an exact copy of XXXX XXXX XX/XX/XXXX letter copies of which are attached for your review.
What DSNB and Macys expect when they decide not renew and close the account so that I can no longer use it to make purchase and still expects me to make monthly payments on the account and DSNB and Macys will continue to charge interest and or fees on the account every month as if the account was still open and continue to charge interest until the balance is paid in full. What DSNB and Macys will also knowingly omit is the practice of Residual interest, also known as trailing interest, is the interest charged on a credit card balance that accumulates between the billing statement date and the date you pay the bill. Residual interest only applies if you carry a balance on a credit card from month to month. What DSNB and Macys knowingly fails to mention that most credit card accounts are subject to the Truth in Lending Act or ( TILA ). The TILA usually requires credit card companies to charge off accounts after six months of non-payment and once the credit card company does this the interest on the account stops. A creditor such as DSNB and Macys would be subject to Georgia state law in regard to interest on a closed charged off account. Courts may not allow interest especially when there has been no meaningful effort to collect and alleged debt.
What DSNB and Macys also knowingly omits is that they may sell the account to a collection agency and then the collection agency may place the account on the consumers credit report as a collection account once this is done then the original creditor ( DSNB and Macys ) must remove the account information they are reporting because you can not report the same account to the credit bureaus multiple times.
DSNB and Macys also omits that some collection agencies may offer to remove or delete the account from a consumers credit report in exchange for payment.
DSNB and Macys claim that they are unable ( and reject your request as stated in the letters from XXXX XXXX and XXXX XXXX and refuse ) to delete the account from the credit file because as a credit provider they are obligated to report the account accurately to the credit agencies is false, misleading, and a misrepresentation of the facts for the reasons described in this letter. What DSNB and Macys will not admit is that credit reporting is nothing more than a debt collection tool/tactic that they use to ensure payment ( i.e. either pay what we say or claim you owe even if it is wrong or we will report this to the credit bureaus and ruin your credit for seven years ). I expect and demand that DSNB and Macys offer a better and different explanation other than make a unhelpful, incomplete, cursory, and generalized statement as a credit provider, we are obligated to report the account accurately to the credit reporting agencies.
The only thing that DSNB and Macys wants to do is offer and unhelpful, incomplete, generic, cursory and almost verbatim responses of the previous automation stating we are only doing what the Credit Card Agreement allows us to do written by an apathetic, heartless minion automaton with no concept of customer service. Whenever a consumer tries to ask questions or obtain information from DSNB and Macys, DSNB and Macys decides it does not like or want to answer the question or provide the requested information and refuses to answer questions, does not address the issue, and or provide the requested information claiming that the answers to the questions or the information requested is confidential and proprietary business information and can not be disclosed. Macys refuses to disclose the qualifications or criteria to obtain or renew or maintain a Macys XXXX card claiming that credit criteria is proprietary business information and can not be disclosed. It seems as if DSNB and Macys are more focused on what they cant or wont do or refuse to do ( wont or refuse to is more accurate ) do rather than working toward an amicable solution. It also seems as if the agents who respond to these inquiries or complaints are not empowered to do anything and are focused on responding so that they can claim the company responded and just move on to the next one.
DSNB and Macys should be required by law to prominently and conspicuously disclose the clause that allows DSNB or Macys to suspend privileges or close a consumers account and that DSNB or Macys has the right to not renew that account once the card expires and that the consumer must meet certain criteria ( define or explain the criteria or requirements ) in order to maintain the account or have the account renewed to all applicants including at all Macys stores and all point of sale systems so that the consumer can make a more informed decision about applying for credit with Macys. Consumers should be aware of this information prior to applying for any DSNB or Macys credit card. This requirement could negatively impact DSNB and Macys and reduce the number of consumers applying for a Macys credit card which would make DSNB and Macys rethink this provision. Consumers have a right to know what is in any contract or agreement and ready any and all provisions and the entire contract or agreement prior to signing or agreeing to it.
A growing and popular trend among credit card companies is to frequently pull a credit report on a consumer to " review '' their account and then lower or decrease the credit limit closer to whatever the balance is on the card at the time of the " review '' and then complain that the consumer is using too much of the credit limit or that the proportion of balance to credit limit is too high. Then the credit card companies expect the consumer to pay the full balance while at the same time continuing to charge interest on an account the consumer may no longer be able to use and refuse to work with the consumer for an amicable solution. It's only when a corporation is sued or is subject to action taken by the government against the corporation, then the corporation wants to play the victim. What the companies are doing is lowering or devaluing a consumers credit score and then using that as an excuse to close or cancel the consumers account. This practice has to and must stop.
During these uncertain times DSNB and Macys should not be alienating or angering customers by restricting us, lowering credit limits, or closing credit card accounts. If DSNB and Macys continue this practice and continue to lose customer and their busines will continue to decline. Macys and other retailers were already experiencing financial hardship and closing stores prior to the Covid-19 pandemic. When DSNB and Macys have not customers left because the customer got mad and closed their credit card accounts or DSNB and Macys canceled or closed the customers account, how is DSNB and Macys going to make money? When the mall apocalypse continues and DSNB and Macys continue to close stores and cut jobs and joins the long list of companies closing stores, going out of business, or filing bankruptcy which includes without limitation to Sears XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX ( XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXXXXXX customers will not be applying for or have to worry about their Macys credit card because DSNB and Macys will not be in busines or around for anyone to use the Macys branded credit cards.
All this from a bank Citi ( which DSNB is apparently affiliated with or a subsidiary of Citi ) that received {$470.00} XXXX in cash and guarantees from American taxpayers under the TARP program in XXXX and with the expectation of being bailed out by the taxpayers but Citi, DSNB, and Macys cant, will not or wont, and refuses ( emphasis on will not, wont, and refuses ) provide any assistance to Citi, DSNB, Macys customers, the same customers who are the taxpayers who bailed them out in XXXX ).
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| 07/07/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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OnXX/XX/XXXX I used Best buy Auto payments to pay my bill for XXXX. This was the end of a promotion so I paid off the remaining total XXXX before the due date on XXXX XXXX Best Buy wrote down. I only paid XXXX My bank account reflected that the XXXX left my account on XXXX XXXX. At that time, my Best Buy account statement did not reflect my payment for XXXX As a matter of fact, they increased my interest rate that months by falsely stating they did not receive my payment to pay off the last month of a promotion. At that time it was disputed that they were paid. Best Buy citibank credit card services said they would fix the discrepancy. Instead they applied my payment for XXXX to the following month XXXX and kept the high interest rate penalty for not making the end of promotion payment in XXXX. By adding it to XXXX, theyre admitting that I made the payment on time and that the only reason I got charged eith high interest rate is because they falsified my payment History. This is reflected in the statement on XX/XX/XXXXThe exact payment for XXXX is reflected on the XXXX account statement. It is obvious that we called in to fix it immediately after the discrepancy was identified. I could not identify a discrepancy until I received the account statement.
Upon realizing that I was still paying on some thing that should have been paid off a long time ago. I called Best Buy again to figure out why it had not been paid off. XXXX a month for a bill that should be completely paid for by now and after calculating it out, they owe me money. When calling in to resolve the matter, I was informed that they cannot see the records that far back so I had Best Buy snail mail me my records and this is how I discovered that Best Buy never fixed their discrepancy from XX/XX/XXXX which you can see by the XX/XX/XXXXstatement that they were contacted and informed to correct my payment history. It was their system or their personnel that did not apply the payment correctly. It left my bank on time. I disputed it at that time which is why its reflected on the very next months account statement. After receiving the records, I called Best Buy to make a dispute, but due to them sending me the monthly statements records out of order, I could not quite figure out exactly what was wrong, so I had to call back and make a second dispute after I put the months in chronological order. I was told at that time by the employee which was a male that it would be resolved. I called back in at that time to find out if it was resolved, and I was informed by a female employee that the only way that you can make a dispute is by sending my dispute via mail to My Best Buy Credit Card Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This completely contradicted with a male employee said. I was informed there was no way to email Best Buy and this was the only way to contact them to resolve a dispute they consider to be out of their current date range and accessible on their computers. This is a lie because when I called back 11 business days ago another employee pulled up the records right there on the phone with me after I told them I had already sent in a dispute letter and they hadnt responded pass. The time frame that they said they were going to respond. I mailed them the screenshots from my bank account as requested along with correlating copies of the Best Buy account statements onXX/XX/XXXXI was informed that in 30-90 days I would have a response from Best Buy. I received no response from Best Buy. I called back in and Best Buy claimed they never received the letter at all. On XX/XX/XXXX I spoke to Employee ID Z19058 and was informed that the matter would be resolved in 7 to 10 business days. I called back on the 11th business day today, the XXXX XXXX XXXX, and was informed by XXXX an account verification specialist, that they could only fix the payment for that promotion month in XX/XX/XXXX unless I had disputed it before or on the same month according to the fine print. I did disputed it at that time and Best Buy assured me at that time that it would be resolved and I believed them.
I made the payment for XX/XX/XXXXon time and then I had to wait for the account statement to find out they claimed they received no end of promotion payment. IlThere is no way for me to know if Best Buy is going to act like the money didnt show up in their bank account until i recieve their account statement! I had to call them and tell them Oh yes you did get that money and then they were like you are right we did only for them to pay it to the wrong month! Im not talking to kindergartners learning math who dont know how to read, write, and add Im talking a full grown adults which makes me think they know what theyre doing and its fraud and they are con artists. Unless maybe I was talking to children and they are participating in breaking child labor laws.
I have spoken to multiple Best Buy employees at this point, and none of them have informed me until now that they could never resolve it and the only thing that they could do was give me XXXX. I have probably paid well over XXXX due to the incorrect high interest penalty for XX/XX/XXXX andXX/XX/XXXX. I didnt do anything wrong as a customer and it is their employees and their company that falsely documented my payment history. And, now they claim they never received the certified mail with proof of that. XXXX actually tried to tell me to send it again and wait another 30 to 90 days while simultaneously telling me that the only way I couldve gotten it resolved is if I had done it in a certain amount of time. They cant read They cant write. They cant do math. They dont report things in a timely manner and when you contact them, they never respond. They have no brick and mortar building and every time you call you get a different customer service representative. I have spent hours upon hours upon hours trying to resolve this with Best Buy and I have been lied to and misled and punished for their incompetence and gross negligence. Icing in the cake, today, I have now been told there is nothing I can do about it. Its fraudulent, I have paid my bill off and they are trying to keep me in eternal debt to them by falsifying my payment history and then furthermore disregarding all evidence, giving me no way to contact them except for mail in the 21st century, and then, claiming they didnt even receive the mail, but the United States, postal service certified. They did deliver it to their XXXX XXXX which is the only way I can deliver any documentation that I paid them on time. They refuse to accept email because it will be dated and they cannot deny they received it which is why I sent it certified mail. No matter what I did Best Buy was determined to steal from me, regardless of anything I did as a customer and that is the definition of a confidence scheme or trick to deceive Someone out of their hard earned money. I cant dispute what Best Buy did until the next month when I receive an updated account statement. Regardless of that, I paid on time and anything else they say after that is to trick me out of my money. XXXX stated that I had to make a dispute the month before or on the same month. I DID dispute it at that time. I made my payment ON TIME and when the dispute was made THEY AGREED at that time and there is no reason a customer should suffer for a companys GROSS NEGLIGENCE or INCOMPETENCE. The only reason I need to make a dispute it because they screwed up! And then, would you look at that, its so common practice for them to screw over their customers that they made a rule for it! Knowing full well theyre tactic is to claim the customer didnt pay and then subsequently never fix it when the customer reports it. They take your money thaf they know they already have and then apply it to the wrong payment period. Because they specifically made a rule for end of promotion payments that prevents customers from paying it off. I paid it off on XX/XX/XXXX and I have been paying for it all the way into XX/XX/XXXX because they refuse to admit I paid it off in XX/XX/XXXX. Its fraud and because Ive been taking so much money they know they XX/XX/XXXX probably well over XX/XX/XXXX
Penal Code section 487 defines grand theft in California. In California, grand theft consists of stealing money, labor, real property, or personal property with a value exceeding XX/XX/XXXX. Every payment I make Im not supposed to be making because of their fraud increases their penalty. The pictures I attached are of the day I went into the UPS store and painstakingly wrote up what happened and then attached screenshots of my bank account and copies of the account statements for the months I received high interest for payments that were paid on time. XX/XX/XXXX and XX/XX/XXXX Automatic payments dont work with Best Buy because somehow theyre automatic system randomly acts like you never paid anything or you paid less than what you actually did. Which means they are falsifying their customers payment history on purpose. Each page is numbered. I have a witness at theXX/XX/XXXX who helped me send the letter. I gave the information for my bank over the phone to Best Buy and Best Buy told me I had to send a letter with screenshots to prove that I made those payments. They refused to contact my bank directly. Best Buy claims they received no letter. Again, They can call my bank themselves if they want and get the wire transfer numbers and dates for when I made my payments, but they do not. this was all included in the letter. They put the burden of proof on me and I submitted the burden of proof to them and they claim the US Postal Service never sent it to them. The pictures prove I sent the letter. It proves I went to XXXX The pictures inside that letter prove I made my payments on time. It also proves Best Buy falsified my my payment history and that they intentionally applied the payment to the wrong month so that they could charge me illegally for high interest. I shouldnt have to be writing this, I used Best Buy auto payments, my bank reflects the payment was paid on time, the pictures show I paid and sent certified mail. Proof I have done everything I can possibly do to resolve this matter, and I have spent gobs of time trying to do just that and the fact that I am typing this out right now goes to show why no one should ever do business with Best Buy or Citibank. I am flabbergasted that the governments solution for accountability of a company falsely changing their customers payment history, considering they pay taxes to the IRS, is that I write this letter for it to be sent to themwhich I already did. I sent it to their Best Buy credit card XXXX XXXX address in XXXX XXXX Missouri and what I am writing now is nowhere near as comprehensive. The reason they dont call my Bank themselves is because they know they lied about my payment history. They have nothing to gain from proving that a customer paid the payment. They make their money by claiming their customers dont make their payments on time and create irroneous rules to prevent their customers from getting their money back. None of their rules matter all that should matter is that the customer paid on time and they need to apply the payment to when it was paid. I have never seen a company take a payment and apply it to the wrong month. Never! It doesnt matter what company it is if they claim they didnt receive the payment. All Ive ever had to do is provide proof that I did make the payment and then they add the payment to the correct month because that was the month that had the discrepancy. It is a logical for me to make two payments on the next month and never have the payment I made for the correct month ever be applied to it. They are falsifying my payment history and then stonewalling me when I ask them to stop lying and pay it to the correct month and remove the penalty for high interest for missing that month payment. I never missed XXXX XXXX months payment I paid on time. It was their responsibility to document My payment. They had no problems proving I had made the payment when they were confronted about it. There is no reason for them to apply it to the wrong month except that is how they illegally charge their customers high interest for a missed payment, even though they made the payment on time. When I disputed this, there is no reason the high interest should not have been removed and the payment applied to the correct months unless they are making money off of fraud victims. XXXX informed me today that this illegal fraudulent business practice is so common that they made a rule for it. A rule to intentionally trick and con customers that DO PAY ON TIME out of their money. Best Buy intentionally miss led me by telling me that if I paid my bills on time I would not be hit with high interest. What they did not tell me is that they would falsify my payment history. I did not sign a contract agreeing to them falsifying my payment history. I did not sign a contract agreeing to them denying me any right to redress or to protect myself from their fraud. Five major rights of consumers: safety, information, choice, voice, and redress. Best Buy misled me as a customer. I have done everything right and I still cant get my money back from Best Buy. They withheld information from me. They lied to me. They have given me no way to redress them for my own safety. They have victimized me and probably countless others via false advertising. I paid on time. I have no control over what Best Buy does with my payment after I pay. And I should not be made to be penalized for what they do after I pay them because I do not run Best Buy and I am not responsible for Best Buy. I am the customer and I did my part as the customer. The bank did their part in the US Postal Service did their part. And so far all I can get from Best Buy is we lost it. we didnt receive it. You never did it. We gave you an incredibly small window to address us after we finally told you about it and because of this were gonna keep taking your money. We know you didnt do anything wrong but we operate illegally through fraud and thats how we steal everybodys money. I didnt walk into a casino. I walked into Best Buy. The casino tells you youre gonna lose your money and the casino customer knows the risks. I walked into a department store and I bought some products with a Best Buy debit card from Citibank. I made my payments on time. I did nothing illegal. I did not lie. I made my payments on time. I was told if I made my payments on time I could get a XXXX XXXXnterest or a low interest loan. This is what Best Buy advertised. It is false advertising if customers make the payments they dont accept the payments and still charge you high interest. I made the payment. The bank says I made the payment on time. But somehow Best Buy can lie and write down on mud Best Buy account statement that for some reason they just didnt receive that payment for well over XXXX. Who wants to do business with a company that loses a payment for over XXXX? They did not accept my payment for XXXX XXXX and falsely claimed I didnt make a payment at all. That is not what I agreed to when I signed up for Best Buy business card I did not agree to business fraud. I agreed that if I missed a payment, then they could charge me high interest. I did not agree to be charged high interest for false reasons or false claims that they were a legal practicing business. Do they also falsely claim how much money they make to the IRS? If theyre lying to their customers and theyre lying about what other businesses are doing like the US Postal Service and my bank then theyre probably lying to the IRS because as a tax paying citizen, I know theyre stealing my money. I know theyre not above changing their accounting books to benefit them while screwing everybody else over. Unlawful business practices:
This unlawful business practice may also occur if a party makes a misrepresentation during the formation of the contract that benefits the breaching party.
Consumer fraud is an unlawful business practice that involves using unfair or deceptive tactics to illegally lure consumers into purchasing a product or service. This type of fraud can include false advertising, pyramid schemes, and/or bait and switch. A bait and switch occurs when a customer is lured into purchasing a product or service that is no longer available and is offered an alternative product or service instead. Financial Fraud is listed among unlawful business practices.
There are all kinds of unlawful business practices and win a customer like me paid extra money, pays on time, calls, and makes the dispute, and follows every single guideline a company offers, and they still cant receive their money back well it makes you wonder how many unlawful business practices does Best Buy and Citibank have and how are they allowed to be operating because as a loyal customer for well over eight years what they are doing to me right now makes no sense because the company that wants to keep their customers doesnt treat their customers like this unless it was always there intention to learn a customer in on false advertising, misrepresent the contract, falsify financial records of payment from their customers, and raise the interest so high that customers become life long slaves to their companies by forcing their customers into debt by illegal methods. I pay XXXX a month for products I have already paid for and Im about to sell because they are that old. Im no longer gonna have the products I bought from Best Buy and theyre still going to try to charge me for them unless I give them even more money. Its Debt bondage, also known as debt slavery, bonded labour, or peonage, is the pledge of a person's services as security for the repayment for a debt or other obligation. Where the terms of the repayment are not clearly or reasonably stated, the person who holds the debt has thus some control over the laborer, whose freedom depends on the undefined debt repayment.[1] The services required to repay the debt may be undefined, and the services' duration may be undefined, thus allowing the person supposedly owed the debt to demand services indefinitely.[2] Debt bondage can be passed on from generation to generation. I was told if I made my payments on time I could pay off my debt. I was not told that they would falsify my payments to where I could never pay off my debt. These are unlawful and unfair business practices when a person like me cant pay them off because they change the rules and my payment history to keep me from ever paying them off. Its illegal. Its fraud. Its mondern day debt bondage. On top of that they have hit my credit report making these false claims negating me the opportunity to have a better credit rating, stopping me from having access to opportunities. I should be afforded for having a good credit rating which I would have if they would stop committing fraud. I needed to buy a better car and I cant afford the car I want because I have Best Buy falsifying my payment history and ruining my credit. They are ruining my life for no reason. Ive done everything right and because I did business with a Best Buy they have ruined my credit, my life opportunities, and quite frankly stated today theres nothing I can do about it because they cant confirm or deny that charging customers who paid on time, insanely high interest, for not paying is FRAUD! I served my country and I am suffering tyranny from a freaking department store in a credit card company!!!!! They wont let me go free unless I give them even more money for the falsified interest they put on my bill. I would have to actually pay the insanely high interest off all at once in order to get out from under them. I didnt do anything wrong and I dont deserve this. Fun fact, they can falsify my payment history again and keep charging me high interest until the day I die because theres no accountability for them. I would have to get a lawyer. Thats even more money. I should not have to spend my hard earned money I earned from serving my freaking country and putting my life on the line to pay off a god dang appliance from a department store!!!!!! Every hour I spend on this is them stealing another hour of my life. They should not be able to operate in the US. They should lose their business license. This is an attack on liberty and the American dream. Its on unAmerican. Its a antiAmerican. Its organized crime and they should go to jail. No one should ever be made to be a Debt slave for years because the company doesnt want to admit they were already paid off. The fact that they falsify their customers payment history should be enough to close down their businesses. We have modern technology and computers dont lie. They just compute. If the bank said, I paid then it should be reflected in Best Buys bank. And if its not, the only thing I should have to do with the customer is show them I paid, and they wont even let me do that. They wont let me send in the records. They wont admit they received the mail. But, theyll take my money I paid in XXXX and apply it to the XXXXXXXX They change the rules to benefit them and screw over the customer. Theyre trying to keep their business practices in the stone ages by forcing people to mail. It is obvious everything they are doing is to avoid accountability from their customers for illegal business practices. This is America, the land of the free. How in the hell is this crap happening in XXXX?
PS. I have been dealing with this for three years. I have been disputing this for XXXX years. I have a lot of other things going on in my life besides Best Buys in ability to do their own job. If Best Buy or Citibank cannot run their companies or operate their businesses in force their customers to do all the work for them then perhaps they need to close the businesses down. It is exhausting fighting a company for three years to correct a single payment and the following year on the same exact date its discrepancy. They take extra payments. They take my payments every month, but they managed to lose my payment on the month when they know they can get an obscene amount of interest if I dont pay. I feel violated, frustrated, and a whole list of other negative emotions, because of the gaslighting I have received from Best Buy credit card services. You pay they claim you didnt pay. You sending mail they claim you did not send in mail. You want to provide proof they will not let you provide proof. Denial is their favorite word so they can get that plausible deniability. They can claim all day they didnt know. But they do know and the bank knows as does the US Postal Service and I know. I do not have this problem with any of the other companies that I deal with on a daily basis. I am tired, and I have just spent hours trying to write this in a way to where it would convey how unbelievably ridiculously stupid my situation is with Best Buy credit services. I gave up time. I should be spending with my family and my loved ones. I had to neglect other responsibilities in my life to give my undivided attention to the company, responsible for ruining my life. If there are typing errors it is because it has negatively impacted me in such a way that Im left, speechless, or unable to respond in a comprehensive sentence, because the magnitude of the level of incompetence or greed, it would take to do this is Jaw dropping, and it leaves me unable to find words. This is the kind of behavior I expect from a snotty middle schooler trying to change the rules in a game of monopoly to win. But, this from a well-established company? In America? With brick and mortar buildings all across America, giving off the impression that it is a successful and legitimate business? Using child is tactics like lying to run their business? How were they ever allowed to run a business in the first place? Its depressing thinking about it. How does a company like this exist? Ive been a customer for well over eight years and why have they not been stopped from doing this already?
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| 02/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/XXXX, Citi erroneously charged me {$5900.00} when my actual bill was {$3400.00} ( they charged my current balance rather than my statement balance ). I normally pay through AutoPay, but because the bill was erroneously high, there were not sufficient funds to cover the payment. So, I called Citi on XX/XX/XXXX and spoke with XXXX XXXX, who explained that there had been a glitch in the system and I had been charged my current balance rather than my statement balance. She refunded the returned check fee and I paid the actual amount, {$3400.00}, over the phone with her. For some reason, the option to pay this amount did not show up online. The {$3400.00} payment cleared on XX/XX/XXXX.
However, the {$5900.00} charge continued to show up as unpaid. On XX/XX/XXXX, I called Citi and spoke to XXXX, who explained that my account had originally been credited {$5900.00} on XX/XX/XXXX, and once the payment was returned, the credit was returned as well. Even though I had paid {$3400.00}, I was still being held responsible for the original ( erroneous! ) amount of {$5900.00}. XXXX said Citi could not modify that charge, and the only option was to pay the {$5900.00} ( instead of the correct amount, the {$5900.00} erroneous charge minus the {$3400.00} I paid over the phone, which is {$2400.00} ) and the overpayment would show up as a credit on my account. I was not satisfied with this option and asked to speak with a supervisor. XXXX said one would call me on XX/XX/XXXX.
I never received a call. On XX/XX/XXXX, I called Citi several times and asked to speak with a supervisor. Both XXXX and XXXX hung up on me. Over Citi 's chat service, I asked XXXX to speak with a supervisor, but she was unable to take my request. She offered to file a complaint on my behalf, but was unable to provide me a copy of the complaint. XXXX and I had the following exchange : Info at XXXX, XX/XX/XXXX : Welcome A Citi representative will help you in approximately 17 minutes 27 seconds.
Info at XXXX, XX/XX/XXXX : All Citi representatives are currently helping other customers. Your estimated wait time is 10 minutes and 3 seconds. Thank you for your patience.
Info at XXXX, XX/XX/XXXX : All Citi representatives are currently helping other customers. Your estimated wait time is 7 minutes and 46 seconds. Thank you for your patience.
Info at XXXX, XX/XX/XXXX : All Citi representatives are currently helping other customers. Your estimated wait time is 5 minutes and 51 seconds. Thank you for your patience.
Info at XXXX, XX/XX/XXXX : All Citi representatives are currently helping other customers. Your estimated wait time is 2 minutes and 10 seconds. Thank you for your patience.
Info at XXXX, XX/XX/XXXX : Within this chat window, do not share such information as your security word or expiration date. To help safeguard your account, we may send you a secure, electronic form you can use for sensitive information.
This chat may be recorded or monitored.
You are now chatting with XXXX.
XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. Can you allow me a moment while I review your request?
You at XXXX, XX/XX/XXXX : Sure XXXX at XXXX, XX/XX/XXXX : Hello XXXX. Unfortunately we are unable to connect you with a supervisor via CHAT. You will need to call in to speak with one. I am terribly sorry you were hung up on.
You at XXXX, XX/XX/XXXX : I spoke to a CS rep last week and was expecting a call from a supervisor on XX/XX/XXXX. I never got one. I would like to request a call back from a supervisor.
You at XXXX, XX/XX/XXXX : I've already spoken to XXXX, XXXX, and XXXX.
XXXX at XXXX, XX/XX/XXXX : I was able to see that the call you made around XXXX you had hung up so you were not able to be transferred, the call you made after that got disconnected as well when he had connected you to a supervisor.
Unfortunately since we are strictly CHAT we can not arrange callbacks.
You at XXXX, XX/XX/XXXX : I did not hang up.
You at XXXX, XX/XX/XXXX : Please add a note to my account.
You at XXXX, XX/XX/XXXX : You can note my account, right?
XXXX at XXXX, XX/XX/XXXX : Ye, I am able to note your account.
XXXX at XXXX, XX/XX/XXXX : Would you like me to note about this conversation or something else?
You at XXXX, XX/XX/XXXX : Please add a note saying that I have been hung up on twice today, by XXXX and XXXX. Please say that I would like to request a call back from a supervisor.
You at XXXX, XX/XX/XXXX : I understand that you can not accommodate that request, but please add the note anyway.
XXXX at XXXX, XX/XX/XXXX : I would be happy to file a complaint for you and note your account as well. That is okay. Thank you.
You at XXXX, XX/XX/XXXX : Also, please note that when I spoke to XXXX, I was told a supervisor would be calling me on XX/XX/XXXX, and I never got that call.
You at XXXX, XX/XX/XXXX : Please do file a complaint.
You at XXXX, XX/XX/XXXX : Thank you.
XXXX at XXXX, XX/XX/XXXX : Do you happen to know when you made that call to XXXX?
You at XXXX, XX/XX/XXXX : I believe it was XX/XX/XXXX XXXX at XXXX, XX/XX/XXXX : Thank you. Iam currently filling out the complaint for you.
You at XXXX, XX/XX/XXXX : Thank you.
You at XXXX, XX/XX/XXXX : Can I get a copy of the complaint please?
XXXX at XXXX, XX/XX/XXXX : Unfortunately not but it does note in your account whenever a complaint is filed as well.
You at XXXX, XX/XX/XXXX : How will I have a record of it?
XXXX at XXXX, XX/XX/XXXX : You will not, it is only on your account.
You at XXXX, XX/XX/XXXX : I will need something for my own records.
You at XXXX, XX/XX/XXXX : What if nothing happens and I never hear anything? How will I show the next person that I filed a complaint?
You at XXXX, XX/XX/XXXX : I need something to document this sequence of events.
XXXX at XXXX, XX/XX/XXXX : You are able to print this chat for your records but everything is documented in your notes on your account. We are able to view the complaints we have taken from you off of your account.
You at XXXX, XX/XX/XXXX : Do I have to file through the CFPB? Seems unnecessary but I definitely need my own documentation.
You at XXXX, XX/XX/XXXX : I don't see an option to print this chat.
XXXX at XXXX, XX/XX/XXXX : There should be a drop down menu above the chat with options, one of the options is to print this chat.
XXXX at XXXX, XX/XX/XXXX : You are more than welcome to file through CFPB as wel.
You at XXXX, XX/XX/XXXX : I don't see a dropdown. You have been lovely but I simply must have my own records, and find it surprising and suspicious that I can not get a copy of my own complaint. Can you at least copy and paste the text of the complaint into the chat box so I have a record that way?
XXXX at XXXX, XX/XX/XXXX : I completely understand, the information in the complaint is exactly what you told me, I just copied and pasted what you gave me and then I added that you were hung up twice on XX/XX/XXXX, and you had talked to a rep on XX/XX/XXXX about a call back from the supervisor on XX/XX/XXXX.
If you are unable to print you can copy and paste this conversation as well onto a word document. However like i said this is all in the notes of your account so whoever you speak to next or contact next will be able to see all of this, including this conversation.
You at XXXX, XX/XX/XXXX : I have no choice but to believe you. Thank you for understanding. I am filing a complaint through the Consumer Finance Protection Bureau, which I do not expect to help, but will at least give me some documentation. Please add a note that I would still like a call back from a supervisor.
XXXX at XXXX, XX/XX/XXXX : That is perfectly okay and I completely understand. I will make sure to note your account as well.
You at XXXX, XX/XX/XXXX : Can you tell me who I spoke with on XX/XX/XXXX?
You at XXXX, XX/XX/XXXX : Who helped me make that payment over the phone?
XXXX at XXXX, XX/XX/XXXX : I do want to make sure it is clear that even though I make note on the account that you would like a call back from the supervisor that this is not actually a request, since I am unable to do that via CHAT.
Let me look into that for you.
You at XXXX, XX/XX/XXXX : I understand. I just want the note to reflect that request.
XXXX at XXXX, XX/XX/XXXX : Her name is XXXX. That is who you spoke to that took your payment on XX/XX/XXXX.
XXXX at XXXX, XX/XX/XXXX : Okay, great! I have noted your account and took your complaint as well.
You at XXXX, XX/XX/XXXX : Thank you. Can you see why she said I owed {$3400.00} and not {$5900.00}?
You at XXXX, XX/XX/XXXX : She told me if I paid {$5900.00} I would be overpaying, and my account would be credited, but I never understood why that was the only option showing up online.
XXXX at XXXX, XX/XX/XXXX : The payment made on XX/XX/XXXX was for the XX/XX/XXXX balance correct?
You at XXXX, XX/XX/XXXX : No You at XXXX, XX/XX/XXXX : XX/XX/XXXX You at XXXX, XX/XX/XXXX : This is why I need help!
XXXX at XXXX, XX/XX/XXXX : I am seeing 2 payments made to this account, both with those numbers but on different dates.
I see on XX/XX/XXXX a payment of {$3400.00} was made.
I also see on XX/XX/XXXX that a payment of {$5900.00} was attempted to be made but did not go through due to insufficient funds.
I am unable to see the balance that was due at that time on XX/XX/XXXX but the updated balance I can see that was due on XX/XX/XXXX was {$6000.00} You at XXXX, XX/XX/XXXX : This is why I have so many questions. XXXX XXXX said I was erroneously charged {$5900.00} when my actual bill was {$3400.00} ( they charged my current balance rather than my statement balance ). I normally pay through AutoPay, but because the bill was erroneously high, there were not sufficient funds to cover the payment.
You at XXXX, XX/XX/XXXX : So, I paid the actual amount, {$3400.00}, over the phone. For some reason, this option did not show up online.
You at XXXX, XX/XX/XXXX : But now I'm still being charged the {$5900.00}, because the payment was returned. It's not deducting the {$3400.00} I already paid over the phone with XXXX XXXX.
You at XXXX, XX/XX/XXXX : So I don't know what to do XXXX at XXXX, XX/XX/XXXX : Thank you for this information. I do see where you had set up a payment to be made on XX/XX/XXXX for the {$5000.00} amount, on XX/XX/XXXX XXXX had informed you it was returned to insufficient funds so she took a payment of the correct amount of {$3000.00}.
But due to the bounced check/payment, the payment of {$3000.00} was put on hold until XX/XX/XXXX.
You at XXXX, XX/XX/XXXX : I see it posted to my account on XX/XX/XXXX You at XXXX, XX/XX/XXXX : At least that's what it looks like on my end XXXX at XXXX, XX/XX/XXXX : That is correct, it does show that on my end as well but I think that is how the system set it up since it bounced on XX/XX/XXXX. However on the account notes we are able to see a little more and it does give us some details of when it bounced and stuff like that.
You at XXXX, XX/XX/XXXX : Regardless. It should be showing up by now.
You at XXXX, XX/XX/XXXX : Why is my current balance still showing up as {$9200.00}?
You at XXXX, XX/XX/XXXX : Online, it says my last statement balance has been satisfied You at XXXX, XX/XX/XXXX : But my current balance is {$9200.00} You at XXXX, XX/XX/XXXX : That makes no sense XXXX at XXXX, XX/XX/XXXX : Let me look over your account and double check this information for you.
You at XXXX, XX/XX/XXXX : Thank you XXXXMinimize End conversation Info at XXXX, XX/XX/XXXX : Welcome A Citi representative will help you in approximately 17 minutes 27 seconds.
Info at XXXX, XX/XX/XXXX : All Citi representatives are currently helping other customers. Your estimated wait time is 10 minutes and 3 seconds. Thank you for your patience.
Info at XXXX, XX/XX/XXXX : All Citi representatives are currently helping other customers. Your estimated wait time is 7 minutes and 46 seconds. Thank you for your patience.
Info at XXXX, XX/XX/XXXX : All Citi representatives are currently helping other customers. Your estimated wait time is 5 minutes and 51 seconds. Thank you for your patience.
Info at XXXX, XX/XX/XXXX : All Citi representatives are currently helping other customers. Your estimated wait time is 2 minutes and 10 seconds. Thank you for your patience.
Info at XXXX, XX/XX/XXXX : Within this chat window, do not share such information as your security word or expiration date. To help safeguard your account, we may send you a secure, electronic form you can use for sensitive information.
This chat may be recorded or monitored.
You are now chatting with XXXX.
XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. Can you allow me a moment while I review your request?
You at XXXX, XX/XX/XXXX : Sure XXXX at XXXX, XX/XX/XXXX : Hello XXXX. Unfortunately we are unable to connect you with a supervisor via CHAT. You will need to call in to speak with one. I am terribly sorry you were hung up on.
You at XXXX, XX/XX/XXXX : I spoke to a CS rep last week and was expecting a call from a supervisor on XX/XX/XXXX. I never got one. I would like to request a call back from a supervisor.
You at XXXX, XX/XX/XXXX : I've already spoken to XXXX, XXXX, and XXXX.
XXXX at XXXX, XX/XX/XXXX : I was able to see that the call you made around XXXX you had hung up so you were not able to be transferred, the call you made after that got disconnected as well when he had connected you to a supervisor.
Unfortunately since we are strictly CHAT we can not arrange callbacks.
You at XXXX, XX/XX/XXXX : I did not hang up.
You at XXXX, XX/XX/XXXX : Please add a note to my account.
You at XXXX, XX/XX/XXXX : You can note my account, right?
XXXX at XXXX, XX/XX/XXXX : Ye, I am able to note your account.
XXXX at XXXX, XX/XX/XXXX : Would you like me to note about this conversation or something else?
You at XXXX, XX/XX/XXXX : Please add a note saying that I have been hung up on twice today, by XXXX and XXXX. Please say that I would like to request a call back from a supervisor.
You at XXXX, XX/XX/XXXX : I understand that you can not accommodate that request, but please add the note anyway.
XXXX at XXXX, XX/XX/XXXX : I would be happy to file a complaint for you and note your account as well. That is okay. Thank you.
You at XXXX, XX/XX/XXXX : Also, please note that when I spoke to XXXX, I was told a supervisor would be calling me on XX/XX/XXXX, and I never got that call.
You at XXXX, XX/XX/XXXX : Please do file a complaint.
You at XXXX, XX/XX/XXXX : Thank you.
XXXX at XXXX, XX/XX/XXXX : Do you happen to know when you made that call to XXXX?
You at XXXX, XX/XX/XXXX : I believe it was XX/XX/XXXX XXXX at XXXX, XX/XX/XXXX : Thank you. XXXX currently filling out the complaint for you.
You at XXXX, XX/XX/XXXX : Thank you.
You at XXXX, XX/XX/XXXX : Can I get a copy of the complaint please?
XXXX at XXXX, XX/XX/XXXX : Unfortunately not but it does note in your account whenever a complaint is filed as well.
You at XXXX, XX/XX/XXXX : How will I have a record of it?
XXXX at XXXX, XX/XX/XXXX : You will not, it is only on your account.
You at XXXX, XX/XX/XXXX : I will need something for my own records.
You at XXXX, XX/XX/XXXX : What if nothing happens and I never hear anything? How will I show the next person that I filed a complaint?
You at XXXX, XX/XX/XXXX : I need something to document this sequence of events.
XXXX at XXXX, XX/XX/XXXX : You are able to print this chat for your records but everything is documented in your notes on your account. We are able to view the complaints we have taken from you off of your account.
You at XXXX, XX/XX/XXXX : Do I have to file through the CFPB? Seems unnecessary but I definitely need my own documentation.
You at XXXX, XX/XX/XXXX : I don't see an option to print this chat.
XXXX at XXXX, XX/XX/XXXX : There should be a drop down menu above the chat with options, one of the options is to print this chat.
XXXX at XXXX, XX/XX/XXXX : You are more than welcome to file through CFPB as wel.
You at XXXX, XX/XX/XXXX : I don't see a dropdown. You have been lovely but I simply must have my own records, and find it surprising and suspicious that I can not get a copy of my own complaint. Can you at least copy and paste the text of the complaint into the chat box so I have a record that way?
XXXX at XXXX, XX/XX/XXXX : I completely understand, the information in the complaint is exactly what you told me, I just copied and pasted what you gave me and then I added that you were hung up twice on XX/XX/XXXX, and you had talked to a rep on XX/XX/XXXX about a call back from the supervisor on XX/XX/XXXX.
If you are unable to print you can copy and paste this conversation as well onto a word document. However like i said this is all in the notes of your account so whoever you speak to next or contact next will be able to see all of this, including this conversation.
You at XXXX, XX/XX/XXXX : I have no choice but to believe you. Thank you for understanding. I am filing a complaint through the Consumer Finance Protection Bureau, which I do not expect to help, but will at least give me some documentation. Please add a note that I would still like a call back from a supervisor.
XXXX at XXXX, XX/XX/XXXX : That is perfectly okay and I completely understand. I will make sure to note your account as well.
You at XXXX, XX/XX/XXXX : Can you tell me who I spoke with on XX/XX/XXXX?
You at XXXX, XX/XX/XXXX : Who helped me make that payment over the phone?
XXXX at XXXX, XX/XX/XXXX : I do want to make sure it is clear that even though I make note on the account that you would like a call back from the supervisor that this is not actually a request, since I am unable to do that via CHAT.
Let me look into that for you.
You at XXXX, XX/XX/XXXX : I understand. I just want the note to reflect that request.
XXXX at XXXX, XX/XX/XXXX : Her name is XXXX. That is who you spoke to that took your payment on XX/XX/XXXX.
XXXX at XXXX, XX/XX/XXXX : Okay, great! I have noted your account and took your complaint as well.
You at XXXX, XX/XX/XXXX : Thank you. Can you see why she said I owed {$3400.00} and not {$5900.00}?
You at XXXX, XX/XX/XXXX : She told me if I paid {$5900.00} I would be overpaying, and my account would be credited, but I never understood why that was the only option showing up online.
XXXX at XXXX, XX/XX/XXXX : The payment made on XX/XX/XXXX was for the XXXX balance correct?
You at XXXX, XX/XX/XXXX : No You at XXXX, XX/XX/XXXX : XX/XX/XXXX You at XXXX, XX/XX/XXXX : This is why I need help!
XXXX at XXXX, XX/XX/XXXX : I am seeing 2 payments made to this account, both with those numbers but on different dates.
I see on XX/XX/XXXX a payment of {$3400.00} was made.
I also see on XX/XX/XXXX that a payment of {$5900.00} was attempted to be made but did not go through due to insufficient funds.
I am unable to see the balance that was due at that time on XX/XX/XXXX but the updated balance I can see that was due on XX/XX/XXXX was {$6000.00} You at XXXX, XX/XX/XXXX : This is why I have so many questions. XXXX XXXX said I was erroneously charged {$5900.00} when my actual bill was {$3400.00} ( they charged my current balance rather than my statement balance ). I normally pay through AutoPay, but because the bill was erroneously high, there were not sufficient funds to cover the payment.
You at XXXX, XX/XX/XXXX : So, I paid the actual amount, {$3400.00}, over the phone. For some reason, this option did not show up online.
You at XXXX, XX/XX/XXXX : But now I'm still being charged the {$5900.00}, because the payment was returned. It's not deducting the {$3400.00} I already paid over the phone with XXXX XXXX.
You at XXXX, XX/XX/XXXX : So I don't know what to do XXXX at XXXX, XX/XX/XXXX : Thank you for this information. I do see where you had set up a payment to be made on XX/XX/XXXX for the {$5000.00} amount, on XX/XX/XXXX XXXX had informed you it was returned to insufficient funds so she took a payment of the correct amount of {$3000.00}.
But due to the bounced check/payment, the payment of {$3000.00} was put on hold until XX/XX/XXXX.
You at XXXX, XX/XX/XXXX : I see it posted to my account on XX/XX/XXXX You at XXXX, XX/XX/XXXX : At least that's what it looks like on my end XXXX at XXXX, XX/XX/XXXX : That is correct, it does show that on my end as well but I think that is how the system set it up since it bounced on XX/XX/XXXX. However on the account notes we are able to see a little more and it does give us some details of when it bounced and stuff like that.
You at XXXX, XX/XX/XXXX : Regardless. It should be showing up by now.
You at XXXX, XX/XX/XXXX : Why is my current balance still showing up as {$9200.00}?
You at XXXX, XX/XX/XXXX : Online, it says my last statement balance has been satisfied You at XXXX, XX/XX/XXXX : But my current balance is {$9200.00} You at XXXX, XX/XX/XXXX : That makes no sense XXXX at XXXX, XX/XX/XXXX : Let me look over your account and double check this information for you.
You at XXXX, XX/XX/XXXX : Thank you XXXX at XXXX, XX/XX/XXXX : It looks like your statement has not closed yet, due to it not being closed the payments that you have made have not reflected yet on the balance. You and your authorized user have also made extra transactions as well since that payment has been posted on XX/XX/XXXX. All of this will be updated on XX/XX/XXXX. So I would say definitely by XX/XX/XXXX the account should be updated with the payments you have made.
You at XXXX, XX/XX/XXXX : So I just wait and hope for the best?
XXXX at XXXX, XX/XX/XXXX : I know that's not what you want to hear but yes. I would wait, see what your balance looks like on XX/XX/XXXX and XX/XX/XXXX. If it is still not correct please call us.
You at XXXX, XX/XX/XXXX : This is so discouraging.
You at XXXX, XX/XX/XXXX : Do I have any other choices?
XXXX at XXXX, XX/XX/XXXX : I would print off your statements as well from the last 2 billing cycles and maybe do some math of your own as well to figure this out.
There is not, no since I am CHAT I can not transfer or request a call back from the supervisor if you would like I would recommend calling us again and requesting a supervisor to talk to.
I completely understand where you are coming from and it is a little messy looking through your account trying to see where everything went wrong but I want to make sure I can help you with as much as I can from my end as well.
You at XXXX, XX/XX/XXXX : Thank you. You have been the most helpful person so far.
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| 01/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission XXXX FTC XXXX has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
XXXX XXXX OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; XXXX XXXX XXXX , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : XXXX ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, XXXX : XXXX. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., XXXX XXXX XXXX XXXX XXXX, 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; XXXX v. XXXX, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United States or aliens lawfully admitted for permanent residence. ).
SOFT INQUIRIES DISPUTES : IMMEDIATE ACION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX
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XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1000+ per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT! Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and XXXX XXXX data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or XXXX XXXX XXXX XXXX COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of XXXX ( your web based automated verification process ). YOUR EXACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is that XXXX is a web-based, XXXX XXXX compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The XXXX AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. XXXX XXXX may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of XXXX ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT # 1 CITICARDS CBNA USA. Accounts - XXXX XX/XX/XXXX NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and XXXXne even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the XXXX required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and XXXX compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable XXXX reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information. 1. Tell me in writing what information you refuse to remove and why. 2. Tell me in writing what you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX XXXX XXXX compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the XXXX XXXX system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified XXXX XXXX compliance trained SPECIALIST. Being Phase III of the Implementation of the XXXX, XXXX auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the XXXX XXXX data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the XXXX, any and all CRA in-sourced DISPUTE Specialist MUST BE XXXX XXXX Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, XXXX XXXX.
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| 09/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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COMMUNICATION BETWEEN XXXX XXXX AND CITI : I'm a XXXX-year-old single XXXX woman who has lived in my home for over 40 years. I XXXX in XX/XX/XXXX for medical reasons. Since then Ive depleted my XXXX and have been doing my best to live on XXXX XXXX. Its only possible because I have a reverse mortgage and, therefore, no mortgage payments. Of course, the downside is that the mortgage company owns most of the equity in my house. My responsibility under the terms of the reverse mortgage is to pay my insurance premiums and keep my house in good repair. So, when my air conditioner flooded my bedroom and living room, it was my responsibility to get the damage repaired.
In XX/XX/XXXX, I hired XXXX XXXX XXXX XXXX to replace the floors throughout my house and to replace the walls and closets in the master bedroom which had been damaged by the flood. The contracts I signed total {$22000.00}. I paid XXXX XXXX {$18000.00} which included all of my savings, half of the insurance money awarded, and {$9000.00} charged to my Citi MasterCard. A {$3500.00} charge on XX/XX/XXXX to Citi for XXXX XXXX was an obvious duplicate of the same charge on the previous day. It was removed from my account on XX/XX/XXXX, after I brought it to Citi 's attention. The remaining {$5500.00} remained on my MasterCard. I dont know if Citi recovered the {$3500.00} duplicate charge from the Mr. XXXX XXXX.
Mr. XXXX XXXX of XXXX XXXX abandoned the job on XX/XX/XXXX, after providing only a fraction of what he had promised to do and significantly damaging my home. Most important, he stole the money I had paid him to buy flooring for my entire house which he never bought. At that time, Citi suggested I dispute the charges for XXXX XXXX on my MasterCard because I had not received the services promised. The man in Citi Customer Service told me, Dont you worry, Citi has your back. The charges were removed from my account when I filed my dispute.
On XX/XX/XXXX, I received notice that my disputes were open and Citi sent forms for me to complete for the transactions on XX/XX/XXXXfor {$2000.00} and XX/XX/XXXX for {$3500.00}. On XX/XX/XXXX, since the two transactions I was disputing were identical, I submitted both of them on one Citi dispute form. With the form I sent copies of the contracts, a detailed explanation of the dispute, sales receipts, receipts of my payments, a list of all my email contacts with the merchant since he left and disconnected his phone, and photos of the damage to my property inside and out.
On XX/XX/XXXX, I received a letter from Citi saying they had completed the review of my {$2000.00} dispute for the charge on XX/XX/XXXX but did not have enough information to support the claim. The conditional credit, interest and fees were being reversed from my account, and they told me I should contact the merchant. There was no mention of the {$3500.00} charge on XX/XX/XXXX that I submitted with the {$2000.00}.
I called Citi Billing Disputes when I received the letter. Because I submitted the two transactions on one dispute form with one set of attachments and their computer can only recognize one, it confused the computer. The {$3500.00} transaction was being processed and the {$2000.00} transaction was rejected since it appeared to the computer that it was submitted without documentation. They agreed to move the documentation attached to the {$3500.00} claim over to the {$2000.00} claim and reconsider it.
On XX/XX/XXXX, I received an email from Citi Billing Disputes regarding both claims. They needed three things : ( 1 ) If the service involved merchandise, I should make it available for the merchant to pick up, and they needed the date I attempted to return the merchandise with the merchants response to the return request for credit ; ( 2 ) The last date I received service ( which Id already clearly given to them in answer to the same question on the forms they had me complete and in the narrative I wrote ) ; and, ( 3 ) A review from second similar merchant with proof directly comparing the contracts with all items purchased and the comparison may not include only simple overviews. They noted that their system can only support black and white PDF copies. ( My color photos never made it to the Dispute Dept. ) The next day, XX/XX/XXXX, I called Billing Disputes and told them ( 1 ) I didnt receive credit from the merchant because I purchased services not supplies and had nothing to return for credit. Also, the merchant moved and was nowhere to be found ; ( 2 ) The last date of service was XX/XX/XXXX ; ( 3 ) I will obtain a report from a professional comparing the condition of my house to what was promised in the contracts.
On XX/XX/XXXX, I received an email from XXXX in Billing Disputes asking for the same information they had asked for on XX/XX/XXXX and I had answered by phone on XX/XX/XXXX. On XX/XX/XXXX I sent an email responding that ( 1 ) The dispute was for services only ; no merchandise was involved to return for credit ; ( 2 ) Last date of service was XX/XX/XXXX when Mr. XXXX XXXX sent his assistant to do some plaster work for a few hours ; ( 3 ) The XXXX County Building Inspector who examined my home on XX/XX/XXXX in regard to the XXXX XXXX contracts agreed to follow up his visit with a report to Citi specifically explaining what he found compared to what had been promised. I would forward that report as soon as received.
On XX/XX/XXXX, I received an email from Billing Disputes which was a duplicate of the prior emails on XX/XX/XXXX and XX/XX/XXXX. I emailed them that I had sent the first two items of information requested and apologized for the delay sending the written review from the building inspector. I said Id follow-up and get back to them right away.
On XX/XX/XXXX, I talked to XXXX in Billing Disputes about the {$2000.00} transaction that was still on my statement. She said shed have an investigator reconsider the {$2000.00} dispute and take it off my statement while it was being reviewed. She told me to send the information they requested as soon as possible.
On XX/XX/XXXX, Citi Customer Service Team sent a letter to me regarding both transactions requesting the same three pieces of information requested in the XX/XX/XXXX email. It directed me to return the letter with the requested information by XX/XX/XXXX so Citi could continue the investigation. ( Theres a single reference number on the correspondence referring to both disputed transactions : XXXX. ) On XX/XX/XXXX, I sent an email to Billing Disputes telling them I realized I owed them the report comparing the services received to the services promised. I said today, for the third time, Id contacted the county building inspector who surveyed the job and said he would write the report for Citi. I again expressed to him the urgency of this matter and explained that, if I didnt hear back from him in two days, Id hire someone else to do the comparison. I told Billing Disputes about my conversation with XXXX on XX/XX/XXXX to remove the {$2000.00}, and explained, once again, that Id sent the first two pieces of information ( which I repeated ).
On XX/XX/XXXX, I called Customer Service and spoke to XXXX who eventually transferred me to Billing Disputes where I talked to XXXX. I wanted to let someone know the report and last piece of information they needed was on the way and to ask that my dispute not be closed until they had it to complete the review. XXXX said there was nothing he could do to assure my dispute would stay open but I should send the information right away. XXXX said I may get a couple extra days before my cases were closed depending on the investigators case load. If the investigator had a heavy caseload, my disputes could sit on the desk for a day or two before review in which case they could be accepted after the deadline. However, if the inspector picked up the disputes to review them on XX/XX/XXXX and the information requested was missing, the cases would be closed for good. Apparently, these are rules established by Mastercard, not Citi, and are not flexible.
At XXXX XXXX on XX/XX/XXXX, I sent an email to Billing Disputes explaining that Id tried to keep them updated on my attempts to get the letter they needed. I told them it was promised to me by the XXXX County Building Inspector who investigated the job in depth for the county hearing and, since the county needed the same information Citi was requesting, the inspector said he would write the letter to Citi from his report. I wrote that despite my phone calls and emails, he hadnt done so, and that Id had to hire someone else who was reviewing the job and contracts and emailing his report to them that day. I summarized my story, the money Id lost, how Id tried my best to provide everything Citi needed, and how important it was for them to decide in my favor. I pleaded with them to wait until they had the report later that day before making a final decision.
At XXXX XXXX on XX/XX/XXXX, as promised, I sent an email to Billing Disputes with a detailed 2-page letter from a professional ( approved in advance by Citi ) comparing the services promised by XXXX XXXX XXXX to the services they actually provided and didnt provide. I said Id told them, at least six previous times, the last date of service was XX/XX/XXXX, and that I had also explained several times that I received services and, therefore, had no supplies to return to this merchant. Also, that I had told them Mr. XXXX XXXX had moved from his apartment, disconnected his phone, closed his business and was nowhere to be found.
On XX/XX/XXXX, I received an email from XXXX in Billing Disputes referring to both transactions. He requested ( 1 ) the last date I expected service ; and, ( 2 ) a description of service with itemized invoice.
On XX/XX/XXXX, I emailed Billing Disputes that : ( 1 ) The last date I expected service was sometime prior to XX/XX/XXXX, when my homeowners insurance was due to expire. My policy was not being renewed due to the flood damage but I was told the company would consider reinstatement if the damage was repaired prior to the expiration of my current policy on XX/XX/XXXX. Mr. XXXX XXXX assured me the job would be finished in no more than two weeks when we signed the contracts in XX/XX/XXXX. I reminded him on a regular basis how important it was for him to complete the job before my insurance expired. ( 2 ) I attached copies of the contracts with detailed descriptions of the services to be performed and the charges.
On XX/XX/XXXX, I received a letter from Citi thanking me for sending the information they requested regarding the {$3500.00} transaction on XX/XX/XXXX disputed as of XX/XX/XXXX.
On XX/XX/XXXX, Citi Customer Service Team sent me a letter regarding both the {$2000.00} and {$3500.00} transactions. It said that Citi was not able to further assist me since I didnt respond to their request for documentation supporting merchandise was made available for pick-up. They said they needed this to support their request for credit from Mr. XXXX XXXX bank. The letter also said any further dispute would have to be directed to the merchant, that the Citi investigation was completed, and that the conditional credits for these charges + interest + fees were rebilled to my Citi MasterCard.
I had clearly explained to Citi on numerous occasions that I received services not merchandise. I also had told them more than once that the merchant, Mr. XXXX XXXX, was nowhere to be found -- - not by me, the County, the police, or the State. I had explained to Citi that he had moved his family from their apartment, disconnected his phone, closed his business and his XXXX XXXX XXXX bank account.
I called Customer Service in response to the XX/XX/XXXX letter and explained the situation again. They told me that once a dispute was closed, it could not be reopened ( Mastercard rules, not theirs ) but that I could resubmit the disputes and they would be considered.
Note : On XX/XX/XXXX,. before I had received Citi 's XX/XX/XXXX rejection letter, I called them to see when I could expect to see the charges on my bill conditionally removed. I was told it generally takes 7-10 days to remove dispute charges. I also called to check on the status of my claim and was told the person working on my disputes would call me in 3-5 days.
On XX/XX/XXXX, I resubmitted the disputes. I sent four emails to Citi, two for each transaction ( {$2000.00} and {$3500.00} XXXX because there were too many attachments for any single email, and I was required to send duplicates of all documents to allow each transaction to be processed independently. To further support my disputes, this time I was able to include the XXXX County Order that fined XXXX XXXX {$1000.00} and ordered them to pay me {$17000.00} for services they didnt provide. The Order also recommended I receive {$5000.00} from XXXX County, the maximum retribution they can pay. ( This has since been awarded to me. ) Mr. XXXX XXXX did not show up at either of the hearings. I followed up with Citi by calling Billing Disputes to assure they had received my new claims. They received them on XX/XX/XXXX and told me to give them 7-10 days to review.
On XX/XX/XXXX, Citi sent me a letter thanking me for providing the information they requested regarding the {$2000.00} dispute on XX/XX/XXXX and assigned it a claim number.
On XX/XX/XXXX, I received a call from Citi saying my account was overdue. I was automatically paying $ XXXX/mo. on my account toward a 0 % interest balance transfer so it would be paid off when due XX/XX/XXXX. Because they had added the conditional disputes, etc. back to my account, {$100.00} didnt cover my minimum payment. I told them Billing Disputes had received my disputes on XX/XX/XXXX and said it would be 5-7 days before the charges were conditionally removed from my account again ; therefore, I thought my {$100.00} payment would be more than required to cover my minimum payment. Obviously that hadnt happened so I paid the extra amount due. Then I talked to XXXX in Billing Disputes who told me he would assure the two transactions ( total {$5500.00} ) and the accumulated interest ( {$210.00} ) be removed from my account while my disputes were being reviewed.
On XX/XX/XXXX, Citi Customer Service Team sent me a letter regarding both disputes. It said that, as they had told me in previous letters, Citi has no further recourse in this matter. The investigation was closed. The letter also said this was their final letter about the matter and I should consider this investigation complete.
On XX/XX/XXXX, before I received the XX/XX/XXXX letter, I received another collection call. I called XXXX in Billing Disputes and was told the interest would be removed and my account would be adjusted. He told me not to worry because, even if they denied my disputes and put them back on my account, they would not charge me interest for the time they were being reviewed. ( Unfortunately, XXXX was wrong. ) On XX/XX/XXXX, I called Billing Disputes and spoke with XXXX about the XX/XX/XXXX denial letter. XXXX told me to ignore the letter finalizing my claims, to tear it up. He explained that it was probably an old form letter sent out before the reviews on the resubmitted disputes began. He said something about my disputes being high dollar cases that took longer to be reviewed. He told me to wait 7-10 days and call back if I hadnt heard anything, and if I was asked for any more information, to give it to them asap. He also said that I should disregard anything else that was not from the investigator reviewing the second submissions.
In mid-XX/XX/XXXX, I called Citi to find out the status of the duplicate set of disputes I submitted. In summary, I was told the XX/XX/XXXX letter was correct and final and to drop it. For a month I tried to get the reason my disputes were denied. I talked to Customer Service and Client Focus and Billing Disputes on numerous occasions. I spoke to supervisors and managers and tried to obtain an email or other address for anyone who could at least tell me why I was denied. One man said it was because I didnt try to return the merchandise for credit as Citi had requested multiple times. When I told him there was nothing to return, the merchant was gone, and I had told Citi this many times, he said I should have ripped up the flooring that was installed and returned it to XXXX XXXX for credit myself. Ridiculous! Who would have even thought to do this?! But I would have gladly had someone rip up the partial flooring and try to return it if anyone at Citi had told me that was what I needed to do to have them remove the {$5500.00} from my account!
Approximately {$500.00} was spent on supplies and {$200.00} was estimated as the value of labor for all work done at my house before XXXX XXXX abandoned the job. I even asked Citi to deduct this entire amount from the {$5500.00} charged on my Mastercard and remove the remaining {$4800.00} from my account as payment for services not received. I already had sent Citi receipts for the few supplies purchased and statements from XXXX County and a letter from another professional detailing what little work was done before leaving my home looking like a war zone. My request to Citi was denied. I was told that, if I received any part of the services promised, no matter how insignificant, Citi had to treat my dispute as a complaint about receiving unsatisfactory services and any attempt to rectify the situation would have to be directed to the merchant.
When Citi reversed the XXXX XXXX charges and interest back to my account, I didnt have the money to pay the bill in full. I increased my monthly payments to {$200.00} because so much of my payment was going to pay interest. ( Ive always paid my bills in full and dont remember ever paying interest on a charge account in 50 years -- - until now. ) I called Citi Customer Service and explained that my retirement savings were spent, and I was having difficulty trying to live on $ XXXX/mo. XXXX XXXX. I told them I had no idea how I could pay my routine expenses plus add this {$5500.00} for services I never received and pay a new contractor to do the work XXXX XXXX was supposed to have done. I pleaded with them, since I was a loyal, long-time customer, to at least lower my interest rate.
On XX/XX/XXXX, a letter was sent to me from XXXX XXXX, V.P. declining my request for payment assistance to amend some of the terms of your existing Credit Card XXXX because I didnt qualify as an extreme hardship case.
On XX/XX/XXXX, I called Citi Customer Service to ask for part of my payment to go toward paying down my balance transfer debt so I could pay it in full when it became due. They said my payment had to be applied toward the charges with the highest interest, XXXX XXXX {$5500.00} charges.
On XX/XX/XXXX, I called the number the XX/XX/XXXX letter directed me to call. After I went through my entire story and asked them to explain the letter, I was told they didnt handle extreme hardship in that department and transferred me to Client Focus. I explained my circumstances and asked why I didnt qualify as an extreme hardship case. They couldnt tell me. I asked for the definition of extreme hardship or a hypothetical case so Id better understand why I didnt qualify. They didnt answer. I ended up with the direct phone number to Client Focus and instruction to call them in a few weeks so they could further investigate my case.
On XX/XX/XXXX, I called Client Focus directly. After telling my story one more time, I was told they would reevaluate the extreme hardship decision and get back to me. I never heard back from anyone.
I'm attaching what I think will be helpful to support my complaint including the contracts ; the report requested by Citi from a professional comparing the contracts to work done ; the page from my Citi MasterCard statement with XXXX XXXX charges ; the citation issued following the county hearing, and, receipts for all purchases by Mr. XXXX XXXX. I have copies of all my payments to Mr. XXXX XXXX ; a summary of all my emails to and from Mr. XXXX XXXX, the dispute forms sent to Citi ( three times ), and other documents I can make available if needed.
I continue to work with an attorney from XXXX XXXX XXXX and with the attorney who has been assigned this case in the State Attorney 's office. The State recently located Mr. XXXX XXXX living in XXXX XXXX, FL,. He was arraigned by the State Attorney 's Office on XX/XX/XXXX and has a hearing scheduled for XX/XX/XXXX
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| 03/17/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/1978 Experian XXXX XXXX, P. O. Box XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX Box XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
CXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # 3 On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX Box XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that Experian, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the XXXX scoring models implemented with each major credit reporting agency XXXX XXXX XXXX. The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons XXXXredit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
|
| 03/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/1978 XXXX XXXX XXXX, P. O. Box XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, P. O. Box XXXX, XXXX, GA XXXX XXXX XXXX XXXX, P. O. Box XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX Box XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
BEST BUY/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # 3 On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
CITIBANK NA ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
|
| 04/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My problem involves three ( 3 ) separate financial institutions : Citimortgage, XXXX XXXX, and XXXX XXXX XXXX that have seemingly inadvertently, and yet nonetheless harmfully, prejudiced my financial well-being, my credit status, and my good name.
I feel that at this point I have exhausted the avenues of resolution dictated by policies of each of the three involved financial institutions individually.
A significant part of the problem would appear to be that the respective institutions do appear not talk to one another.
Each has advised me to seek satisfaction from the other when the most cursory analysis of the issue reveals that it has been the handoffs of my account between the institutions wherein the major problems lie.
More specifically : erroneous information about the status my account and its prior servicing by Citimortgage much of which servicing deviated radically from accepted practices has been passed between the involved institutions, making my good faith attempts set the record straight a XXXX nightmare of buck-passing between the institutions.
It is only after weeks of silence and unresponsiveness on the part of the respective institutions that, on advice of counsel, I now solicit assistance at a higher level.
In brief, the problem arose when Citimortgage purported to sell my mortgage account to a new servicer, XXXX XXXX, in XXXX of XXXX without properly noticing me. ( The mortgage account was subsequently transferred to XXXX XXXX XXXX in XXXX of XXXX. ) Even without proper notice from Citimortgage, the magnitude of the ensuing problems should never have been allowed to grow to the extent it did had Citimortgage simply adhered to its own stated policies not to mention the most fundamental, commonsensical bookkeeping practices.
Unfortunately, Citimortgage has acted in an inexplicable and irregular manner with respect to both the servicing, and the putative transfer of my loan to the successor servicer ( XXXX XXXX ).
By stonewalling me in my earnest efforts to resolve the problem amicably ( and by its own prescribed problem-resolution procedures ) Citimortgage is exponentially compounding its malfeasance.
Text of relevant correspondence between myself and Citimortgage and the successor loan servicer ( XXXX XXXX and XXXX ) is supplied below. It constitutes an accurate, blow-by-blow, recapitulation of the basic circumstances of my case.
My respectful request to the CFPB is to intercede with the relevant financial institutions ( Citimortrgage, XXXX XXXX, XXXX ) in a manner as to effect the prompt return to me of : 1. {$16000.00}, plus or minus the amount Citimorrtgage erroneously represented to XXXX XXXX as the total of my purported " delinquent payments '', and that XXXX subsequently demanded of me to prevent my property from going into foreclosure ; 2. {$4900.00} for " forced insurance '' erroneously charged to me by XXXX XXXX, owing to Citmortgage 's failure to provide relevant information to the successor loan servicer about preexisting insurance on my property.
CASE SYNOPSIS : Re : CitiMortgage ( Citi ) irregular bookkeeping practices re : my loan # XXX XXXX. The occasion of this written communication is the stonewalling by Citi customer services of my good faith efforts to seek clarification of its actions in reference to its history of servicing the above-referenced loan actions that have caused me financial and emotional duress, as well as prejudiced my credit standing and good name.
2. In my ( recorded ) telephone call with XXXX in Citi customer services on XXXX, I was advised that my account with CitiMortgage was now closed ( and in fact had been " closed '' since XXXX of XXXX ) and that communications with Citi seeking said clarification of its actions with regard to its servicing the loan, as well as the return to me of over twenty ( 20 ) months of installment payments ( totaling in excess of {$16000.00} ) improperly accepted by Citi, would perforce need to be addressed in writing to its legal department and that no one could help me on the phone.
3. This unfriendly and dismissive posture on Citis part was bewildering to me inasmuch as review of my financial records for the past two years revealed that Citi had accepted, without fail, automatic installment payments of {$1600.00} each month for the entire interval, and was continuing to do so at the present time and indeed continued to do so until I canceled the automatic payments this month ( XX/XX/XXXX ). In all, Citi accepted twenty-six ( 26 ) monthly payments of {$1600.00} each after it had purportedly closed out my account.
4. XXXX represented that my loan had been transferred to XXXX XXXX in XXXX, XXXX, and that I should have known of this fact via a so-called Good-bye letter purportedly sent by CITI via USPS to the address of the property ( where I no longer resided ).
5. It was, and is, the height of hypocrisy on Citis part to purport that I should have known that the loan had been transferred to another servicer when Citi itself wasnt aware that it had transferred the loan : why else would Citi continue accept automatic payments for 26 months after the purported transfer in violation of its own stated policy that it may do so for a maximum of three ( 3 ) months ( and is obligated to convey any such additional payments received to the new mortgage servicer )?
6. I have consulted with multiple financial experts ( and my attorney ) regarding Citis behavior in this matter. Among the comments I have received to date are : Citi should have noticed you of the transfer by certified mail. Citi should have emailed you. This is unprecedented. This is inexplicable. Its bizarre. I dont see how it was not overseen and stopped. Ive never seen anything like it in my life.
7. My position is that Citi must immediately : A. Provide a prompt and transparent history of all transactions it has undertaken with respect to the servicing of this loan during the past twenty-six months : via a thorough, blow-by-blow written accounting of what funds Citi has accepted from me, what funds Citi has conveyed to the successor loan servicer, the reasons Citi conveyed funds to the new loan servicer for many months beyond its own 3-month grace period, the reasons Citi abruptly stopped conveying to the successor loan servicer substantial funds it continued to accept from me, the reasons Citi continued to convey someof the funds it continued to accept from me to the successor loan servicer ( as tax deposits ), the reasons Citi failed to notice me by certified mail ( or email or both ) of its purported transfer of my account for over two yearsafter it should have been aware of irregularities in its servicing of the loan, and the reasons Citi represents my account as closed when in fact, Citi has been effectively servicing my account ( through various transactions with both me and the successor loan servicer ) up to the present date.
B. Immediately restore to me any and all funds Citi has improperly accepted as automatic payments for nearly two years after purportedly transferring the loan to a successor servicer more specifically, any and all funds that Citi did not convey to the successor loan servicer, and that Citi can not show evidence of my accepting as refunds from Citi.
C. Make me whole again by immediately taking whatever steps may be necessary to unwind and erase any and all adverse credit reporting Citi may have undertaken with regard to its servicing of this loan as well as any and all adverse credit reporting that Citi may be indirectly responsible for by causing any and all successor loan servicers to erroneously believe that I did not continue to make regular monthly payments timely, and in utter good faith, during the entire life of this loan.
As a courtesy to the Citi legal department I provide, below, a somewhat more detailed chronology of events as I understand them.
Given Citis present posture of stonewalling my good faith efforts to clear up this unfortunate matter, this chronology is necessarily based on ( 1 ) my own records, and ( 2 ) information provided me as a courtesy by the successor loan servicer, XXXX XXXX.
I am the owner a property on XXX.
CITImortgage ( CITI ) was the mortgage servicer for years, and has been a de facto co-servicer of this loan until the present month ( XX/XX/XXXX ) at which time I stopped making automatic monthly payments on the loan to Citi.
To assure no risk of a late loan payment, and to avoid any risk of potential adverse effect of my payment of this loan on my credit rating, I took three precautionary measures : 1. I arranged for monthly automatic payments via my regular bank, XXX Bank ; 2. I arranged to routinely pay in excess ofthe requisite payment of interest + principal ; 3. I arranged to pay the installments a full month in advance, so that in the event of any problem with a payment, a de facto additional grace period of 30 days would automatically kick in.
In the course of preparing my Income Tax figures for XXXX, some disturbing facts about the history of the servicing of my loan account by CITI came to light matters that I am still trying to unwind and seek satisfaction for.
Among the facts that came to light in XXXX of this year : CITI purportedly transferred the servicing of my loan account to another servicer, XXXX XXXX in XXXX of XXXX.
CITI engaged in bookkeeping practices, and conveyed information and funds pertaining to my account to the successor servicer XXXX XXXX, in such an irregular manner as to prejudice XXXX XXXX against me erroneously portraying me as a delinquent client, and injuring my credit rating and good name.
CITIs irregular bookkeeping practices have further caused me financial and emotional hardship by improperly accepting and withholding automatic payments from my regular bank account in a manner as to give the illusion that purportedly overdue payments of over {$16000.00} have accrued necessitating my borrowing said funds on an emergency basis to pay down this totally erroneous arrearage, and to prevent foreclosure proceedings against my property.
Crucial facts of the case include the following : 1. I have NEVER missed making a monthly mortgage payment or supplemental escrow payment during the life of this mortgage.
2. Even if CITI purports to have transferred the loan to a successor servicer, the incontrovertible fact remains that CITI has continued to accept automatic payments from my bank account for the entire interval in question : amounting to two years and two months or until I cancelled the automatic payments last week, in XX/XX/XXXX.
3. For eleven ( 11 ) months from XXXX through XXXX CITI conveyed monthly mortgage payments it accepted through my automatic payment service to the successor mortgage servicer XXXX XXXX in violation of its own stated policy of limiting such conveyance of loan payments to three ( 3 ) months after transfer of the loan to a new servicer.
4. For eight ( 8 ) ADDITIONAL months AFTER XXXX i.e., from XXXX through XXXX CITI continued to convey funds to XXXX XXXX ( in the amounts of {$140.00}, {$600.00}, and {$1200.00} ) as tax deposits that it clearly derived from my continuing automatic monthly payments.
5. However, despite continuing to accept my regular monthly automatic payments, and making said tax deposits to XXXX XXXX from XXXX through XXXX, CITI failed to convey my principal + interest payments to XXXX XXXX after XXXX, causing XXXX XXXX to erroneously consider my account delinquent after XXXX.
6. Thus, for twenty ( 20 ) months AFTER CITI purported to transfer the servicing of my loan to XXXX XXXX, CITI continued to act as a de facto servicer of my loan by continuing to accept monthly mortgage payments from me via automatic payment through my regular bank, and by subsequently conveying all of those funds ( from XXXX through XXXX ), or some of the funds ( from XXXX through XXXX ), to the successor loan servicer.
7. In fact, CITI continued to accept monthly mortgage payments from me until XX/XX/XXXX, at which time I canceled the automatic payment service in my regular bank.
8. The illusion that my mortgage was somehow in delinquency occasioned by CITIs irregular bookkeeping practices was subsequently passed on to XXXX XXXX, resulting ultimately in a one-time demand payment in excess of {$16000.00} to bring my account current, and to avoid foreclosure on the property.
9. Of course that entire sum had ALREADY been drawn down from my regular checking account by XXXX but not properly conveyed to the successor loan servicer. Thus, I was forced to pay over {$16000.00} TWICE to prevent further damage to my credit standing and good name.
10. CITI has given no explanation of why it drew down over {$16000.00} in monthly payments on my loan that it failed to convey to the successor loan servicer, nor of the disposition of those funds 11. Only in XXXX of this year and only after I begin making inquiries as to my account status with CITI did CITI make any acknowledgement that it had improperly accepted thousands of dollars in automatic payments from me : by sending me the following perplexing advisory via email : We are writing to inform you that your recent request for a refund has been processed, and you will receive your check by mail in 7-10 days.
At that time, I had no inkling of CITIs irregular bookkeeping practices in servicing of my loan. I had made no request for a refund. Consequently, I had no idea what CITI was referencing in this email to me.
I received subsequent advisories from CITI in each of the intervening months after XX/XX/XXXX, and checks from CITI returning what now amounts to three {$1600.00} automatic payments improperly accepted by CITI in XXXX.
Not understanding the provenance of these checks and with CITI customer service advising me that I no longer had an account there ( and hence it could not talk to me ) I did not deposit the checks until upon advice of counsel, in XX/XX/XXXX.
12. Oddly, despite possessing my email address during the entire duration of its servicing of my loan account, CITI made no effort whatsoever to communicate via email with me prior to the commencement of my investigation into its bookkeeping practices ( in XXXX of this year ).
13. In the event that CITI purports to have sent advisories on the status of my loan, or refund checks ( purportedly returning automatic monthly installments it improperly accepted in XXXX ), via USPS to the address of the property, I would represent : A. That I was not properly noticed of the transfer of the loan to a successor servicer ; B. That CITI itself was clearly unaware that it had transferred the loan for it continued to act as de facto co-servicer of the loan ( along with XXXX XXXX ) for twenty ( 20 ) months AFTER the purported transfer ; C. That it is incumbent upon CITI to offer incontrovertible proof of my having accepted ( i.e., cashed ) any and all purported refund checks ( totaling in excess of {$16000.00} ) if CITI is to make any claim that it has returned this amount to me, and that it is not currently owing this amount.
14. I have invariably acted in utter good faith in acquitting my obligations with respect to repayment this loan. ( In fact, I have never missed a single payment, nor had a single late payment. ) 15. Notwithstanding rationalizations and self-exculpatory excuses on the part of any mortgage servicer to the effect that it may have followed industry procedure, the fact remains that it is the arabesque and opaque machinations of the mortgage industry beyond the XXXX of even the consumer with a XXXX XXXX that bear principal responsibility for the tragicomedy of errors in the servicing of my loan, and for the injuries that I have suffered as a direct consequence.
Re : Refund for erroneous property insurance charges ( " Forced Insurance '' ) Re : Loan # XXX I have submitted to XXXX XXXX XXXX evidence of property insurance ( secured through my own insurance agent ) on my property to prevent duplicate ( " forced '' ) insurance in XXXX.
I have also submitted to XXXX XXXX evidence of prior property insurance on my property, to demonstrate that the property was continuously insured during the entirety of XXXX XXXX XXXX interval of servicing the loan.
The customer services rep at XXXX XXXX advised me to submit the same to XXXX, along with a cc of my letter to XXXX XXXX disputing prior forced insurance charges by XXXX XXXX totaling {$4900.00} and requesting a prompt refund for those erroneous charges.
Although XXXX XXXX erroneously charged me those funds, the customer services rep instructed me that it is XXXX 's responsibility to refund them, not XXXX XXXX XXXX inasmuch as XXXX XXXX is " no longer servicing the loan '', but rather that XXXX is now the loan servicer.
In my letter to XXXX XXXX, provided hereunder, I point out that CITI seriously mismanaged my account failing to provide XXXX XXXX not only funds it accepted in from me during XXXX XXXX 's interval servicing the loan, but also evidence of the property 's being continuously insured for as long as I have owned it. In fact, the XXXX XXXX customer services rep told me that CITI erroneously provided XXXX XXXX no evidence of the property 's being insured during the entire interval XXXX (! ) Text of letter to XXXX XXXX : Re : Refund of erroneous property insurance charges RE : Loan # XXX To Whom It May Concern : 1. XXXX XXXX serviced a loan on my property at XXX from XX/XX/XXXX to XX/XX/XXXX as successor servicer to CitiMortgage XXXX XXXX XXXX.
2. I am calling into account mismanagement of my account by CITI, which engaged in multiple bookkeeping irregularities, withheld funds inappropriately, failed to notice me properly of actions it took with respect to my account, and conveyed to XXXX XXXX erroneous information about my account including characterizing it as delinquent when in fact CITI had drawn down via automatic payment monthly payments from my checking account for every month that XXXX XXXX serviced the loan as CITIs successor.
3. Many of the monthly payments CITI conveyed to XXXX XXXX. Many it did not.
4. CITI apparently failed to communicate to XXXX XXXX that my property was continuously insured by my own insurance agency, without interruption, for the entire time that CITI serviced the loan AND for the entire time that CITI co-serviced the loan with XXXX XXXX.
5. I have discussed these issues at length with XXXX XXXX service representatives, who have characterized CITIs mismanagement of my loan ( including during the interval that XXXX XXXX was the nominal successor servicer of the loan, but during which time CITI continued to accept my monthly automatic payments and convey them in whole, or in part, to XXXX XXXX ) as nothing short of bizarre, unprecedented, and inexplicable.
6. XXXX XXXX service representatives have kindly supplied me with transaction logs covering money in and money out of my account while XXXX XXXX acted as successor servicer to CITI.
7. In reviewing the logs ( q.v. ), I was shocked to see that two ( 2 ) separate HAZARD SFR disbursements were made ( one on XXXX, and one on XXXX ) totaling {$4900.00}.
8. I respectfully request prompt refund to me of this entire amount, inasmuch as : A. I have carried comprehensive property insurance for the entire interval I have owned this property, including the entire time XXXX XXXX serviced the loan.
B. Any lack of information to this effect would be the fault of CITI, which misrepresented the status of my loan to XXXX XXXX.
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| 09/12/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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PLEASE NOTE : THE ENTIRE INCIDENT IS ALSO UPLOADED AS A XXXX
COMPLAINT AGAINST CitiBank and CLAIM Complaint lodged by me, XXXX on whom the theft/fraud was perpetrated against Citibank. The account that was affected was a joint account with my mother XXXX. The Citibank letter of denial of the claim is addressed to my mother, XXXX since she is also on the account. My mother is also helping me fight this case as this has caused me physical and mental stress. Enclosed is the fraud check and one of the many Citibank denial letters of the two claims submitted by XXXX to Citibank.
The complaints against Citibank are summarized below : XXXX. Citibanks failure to provide security within its bank premises at XXXX XXXX XXXX, XXXX, NY XXXX ( this incident was caught on tape which is now with the Bank and they will not provide that evidence to me but the police have requested it ).
XXXX. Citibanks ATM machines failure to detect an obviously fraud check : a copy of the check that subsequently bounced is enclosed here and the check was forcibly deposited by the fraudster into my account. The check is part of the ATM receipt since the check was deposited via the ATM. Further, due to another glitch in the ATM, the total money in the check was immediately available in my account. This fatal flaw in the ATM caused a total loss of {$6500.00} from my account. The check was a fraudit had no bank name, account number or routing number. The name on the check is someone totally different from that of the account holder, i.e., XXXX. AND, without following any normal practice, the full amount of {$8000.00} was immediately available in XXXX account.
XXXX. Citibanks refusal to my claims. We ( my mother and I ) have appealed the case three times and each time it is close to 40 minutes of narrating the incident from the beginning for Citibank which then ended with the denial the claim each time with no detailed explanation on how they came to this decision. A recent denial of my claims from Citibank is enclosed here. Repeated requests to Citibank to appraise us of what information was used to come to this decision was ignored. Their own letter ( enclosed ) states the law entitles me to obtain copies of the information used in our investigation.
XXXX. Citibanks negligence in not reporting the crime to the local police : When I reported the incident to the police who are investigating what they termed as Grand Larceny, the detective said that it was highly improper that the bank manager did not report the incident immediately to the police.
CLAIM : Citibank to refund the total of {$6500.00} that was stolen from my account.
A COMPLETE DESCRIPTION OF THE FRAUD INCIDENT AND TIMELINE : Cases XXXX and XXXX My name is XXXX I am a XXXX at XXXX University and have an account in Citibank ( XXXX ) XXXX A fraud was perpetrated on XXXX within the premises of Citibank. The section titled Statement gives the full account of this incident. The contents of the Statement was given first orally to XXXX ( Manager ) at the Citibank location at XXXX XXXX XXXX, XXXX, NY XXXX, and then subsequently ( again orally three times now ) to the Dispute Department, Citibank ( Case Reports : XXXX and XXXX ) and finally as a written report, Statement to the Police ( XXXX, XXXX XXXX XXXX branch : Complaint Report Number : XXXX, Reported to : XXXX XXXX XXXX. XXXX XXXX : XXXX ). XXXX went to the police station in late XXXX to identify the perpetrator from mug photographs the detective showed her but it was hard to make an identification since the perpetrator was wearing a mask and a hat. During this trip to the police station, Police informed XXXX that there are other incidents similar to her that occurred in the neighborhood.
Below is the copy of the Statement given to the police ; note they were orally given to Citibank four times. After the Statement, there is a detailed timeline of events involving Citibank and Police.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dated : XX/XX/2022 STATEMENT ( Date the statement was given to the police is given above ).
At approximately XXXX XXXX on XX/XX/2022 I entered the Citibank branch at XXXX XXXX XXXX and proceeded toward an ATM to withdraw some cash. A large man opened the door for me and followed me into the bank. As I was operating the ATM, the large man came very close to me at the ATM. He started by asking for what appeared to be change for {$60.00} or so that he was waving in front of me. I felt intimidated and confused. I am XXXX XXXX tall and this man was over XXXX XXXX. I shook my head but he came closer to me, now waving a check around in addition to the {$60.00}. I was scared. I had never been approached this way inside the bank. At this point, I had already inserted my Citibank Debit Card into the ATM and the screen was showing the options I had. He suddenly said that he needed to deposit the check and could not use his own account since it was overdrawn. He reached over me to the ATM, told me not to panic, and placed his hand on my shoulder. He started selecting the option of deposit on the ATM and before I could say anything, he deposited the check, which was for {$8000.00}. I froze in shock. Before this deposit, I had {$1300.00} in my account and I saw that the amount went up to {$9500.00} after he deposited the check. My only thought was that I had to get this money out of my account. Im a XXXX XXXX and I had never had this much money in my account before. I didnt want this money in my account and the man then told me I needed to withdraw the money to give to him immediately.
I was terrified. He told me again not to panic and then told me he could take a walk with me outside the bank if I was uncomfortable inside the bank. I was so scared because I live right XXXX XXXXXXXX XXXX from the Citibank location and I thought he might follow me home. He asked me repeatedly to withdraw the money. The maximum I could withdraw in cash was {$1500.00}. He took that money in cash from the ATM. He kept telling me to calm down and repeatedly put his hand on my shoulder and arm. I was terrified, confused and intimidated by the man and could not think straight or run or scream for help. He asked me to XXXX the remaining {$5000.00} to his account. The name on the XXXX account was XXXX XXXX. Again he put his hand on my shoulder and I was terrified of him, so I sent him the money. The XXXX transaction went through. The man kept talking to somebody on the phonehe appeared to be communicating with someone who was sitting in a car outside. I was so scaredagain, I live right XXXX XXXX XXXX from this bank. I thought that this man and his friend could follow me back to my apartment if I didnt give him the money he deposited. I just wanted to be rid of the money deposited in my account from his check and get away from the man. At this point, I took a hold of myself and realized I needed to get away from this man. The man was lurking around but I walked over to the teller and told her the entire episode. By this time, the man had taken off. The teller confirmed my worst fears and said it was a scam. She then took me to meet her manager, who launched a fraud investigation.
Two days later ( XX/XX/XXXX ) I went to the police station at XXXX XXXX XXXX. The woman at the front told me to wait until the check bounced, and then come back to report the incident. Three days after that, ( XX/XX/XXXX ), the check bounced, and I immediately went back to the station. I tried to file a police report, but an officer there told me to come back with a signed affidavit from Citibank. I tried to obtain an affidavit from Citibank for three weeks, by emailing the manager I spoke to and calling Citibank, but everyone I spoke to was unable to send me an affidavit. In the meantime, I obtained proof of the fraudulent check with a letter from Citibank, which Ive enclosed here. Citibank is currently still investigating the incident, but I was advised by their disputes department to file a police report.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TIMELINES We gave Citibank a written report for the two cases ( XXXX and XXXX ) under investigation by the Dispute Department, Citibank to ensure an accurate report in its entirety is available to the investigating tea We emphasize that the reason for the written report is that the first time the case was reported by the Manager of Citibank after the entire incident was narrated by XXXX to him as : A man followed the client into the bank. XXXX case was denied since the case report ( as reported by the Manager or his representative ) lacked all the essential and critical parts. Further, the original case report was only made for the {$5000.00} XXXX transaction and did not include the {$1500.00} ATM cash withdrawal ; note : the two are part of the same incident.
We have now talked to the Dispute Specialist and reported orally over the phone the entire incident that is given in the Statement above. However, we have no way of knowing if the agent captured the entire incident as reported orally by XXXX and if the agent has filed the case with the relevant information as the first time around the Bank Manager ( or whoever did the case filing ) failed to do so.
Citibank has ignored our email and/or our request to provide us with the information they used to come to the decision to deny our claims repeatedly.
Citibank XX/XX/2022 : XXXXXXXX XXXX incident reported in the Statement occurred.
XX/XX/2022 : XXXXXXXX XXXX XXXX account holder ( account number : xxxxxxxxx ) and debit card owner ( last XXXX of debit card : XXXX ) on who the crime was perpetrated, reported the incident to the teller and bank manager, XXXX The account was placed on hold and the debit card can not be used.
XX/XX/2022 : XXXX pm : Bank Manager tried to stop the XXXX transaction. XXXX provided a complete oral description to the Manager ( this description is the Statemen above ). Manager secured the video camera that captured the incident and the Manager identified XXXX and the perpetrator on the video camera images. This is footage relevant to the incident.
XX/XX/2022 : XXXX gets a letter posted on her account stating that the case was under investigation ( no particulars of the case was given ) XX/XX/2022 : XXXX hands one of the bank tellers a written description of the incident similar to Statement above ; the manager was in a meeting and the teller told XXXX that it would be passed on to the manager.
XX/XX/2022 : Check deposited by the fraud perpetrator bounced and XXXX was informed via a letter posted to her account. Citibank clearly has access to the bounced check-.
XX/XX/2022 : Citibank sends a letter posted to XXXX account that tentatively, awaiting full investigation, she can access the {$5000.00}. Please note account is still on hold.
XX/XX/2022 : Citibank sends a letter posted to her account that her {$5000.00} case has been denied.
XX/XX/2022 : Horrified by this terrible denial and travesty of justice from Citibank, we ( XXXX and her mother were on a joint call to Citibank ) call the dispute department of Citibankhere is another terrible fact : since the account is on hold and debit card is invalid, there is no way to contact Citibank through any of the phone numbers. XXXX mother, joint account holder on said account on hold had to access a service agent through her own debit card On talking with the dispute specialist, we found out that the entire incident ( Statement above ) had been summarized ( not sure who actually filed the case : Manager or one of his deputies ) as : A man followed the client into the bank. This did not capture any detail of the actual incident and XXXX was denied the {$5000.00}.
The dispute specialist took over the phone ( conference call ) the details of the entire incident. She was extremely competent and sympathized with us. However, we have no way of finding out how much of the incident was actually reported as part of the two cases ( XXXX and XXXX ). We want to make sure that the appeal for the {$5000.00} and the new case report for {$1500.00} is investigated with this, the written ( Statement ). Further, we would like to submit that the XXXX at the Citibank location at XXXX XXXX XXXX, XXXX, NY XXXX had the video camera that captured the entire event and had identified on those images, both XXXX and the fraud perpetrator.
XX/XX/2022 : Citibank sends a letter saying that the case involving the withdrawal of {$1500.00} is denied and the transaction is considered legitimate. The reasons given are that the withdrawal was made with the debit card and PIN number, and that the activity appears to be consistent with your normal banking activities. On the first point, XXXX entered her PIN number under duress. The transaction can not be considered legitimate if she was in fear for her life while at the ATM. Secondly, the activity is NOT consistent with XXXX normal banking activities. Before this, she had never withdrawn this large a sum of money in cash. This was the first withdrawal of its kind in XXXX account. We will appeal this decision.
XX/XX/2022 : Two further appeals for the {$5000.00} and for {$1500.00} were repeatedly denied by Citibank. They would not acknowledge the receipt of the email that detailed the fraud perpetrated on XXXX or give us what information they used to deny our claims.
XXXX Police Station : XX/XX/2022 : XXXX went to report the fraud perpetrated on her on XX/XX/2022 on Citibank premises at the XXXX Police Station ( XXXX XXXX XXXX branch ). Police would not take her report since at this time, the check deposited by the perpetrator had not bounced XX/XX/2022 : XXXX went back to the police station ( XXXX XXXX XXXX branch ) once the check bounced ; this time the police wanted a signed affidavit of the investigation that was being conducted by Citibank. XXXX tried 3 weeks with Citibank ( at the branch and over email ) to get a signed affidavit but with no luck.
XX/XX/2022 XXXX XXXX then went back to the police station with her boyfriend and the police took her report ( XXXX above ). Please note that the police are taking this report very seriously and called it investigation of grand larceny.
XXXX : Police detective showed XXXX mug shots of several suspects. It was hard for XXXX to identify as suspect at the time of the incident was wearing a mask and a hat. Police mentioned that bank manager was amiss in not reporting the incident to the police station.
At this point, we would like Citibank to consider all the evidence ( below ) and refund the {$6500.00} stolen from XXXX account.
XXXX ) The accurate and entire ( Statement ) presented here 2 ) video footage that the Manager had retrieved at the bank when the incident was initially reported.
XXXX ) details of the fraudulent and bounced check that is available to Citibank XXXX ) name associated with the XXXX account that XXXX transferred {$5000.00} to is provided in the Statement above We would like to highlight a huge fatal flaw in the Citibank ATM systemwhen the perpetrator deposited the check of {$8000.00} using XXXX account at the ATM, a clearly fraudulent check ( See enclosed ) was accepted and credited to XXXX account. The bank account showed on the ATM display that this {$8000.00} was immediately available. How is this even possible? the check was not made to XXXX and this check would not have been accepted by a teller ( wrong name, no bank number or account number ). Further, if the check was processed by the teller, funds would not be immediately available but will only be so after the check clears. The perpetrator knew this glitch existed and used it to his advantage to defraud CS : BECAUSE OF THIS GLITCH IN THE CITIBANK ATM, XXXX LOST A TOTAL OF {$6500.00}. Citibank has to take responsibility for this glitch in their ATM system. XXXX is a XXXX XXXX XXXX struggling to make ends meet and was defrauded on Citibank premises. The initial case was filed by a Citibank employee with insufficient, inaccurate, and incomplete information causing the bank to deny my claim. We strongly request that Citibank conducts the investigation of cases XXXX and XXXX with all the evidence including this written statement ( above ), the video footage recovered at the bank, and the fraudulent check.
In summary, I, XXXX am requesting that Citibank refund the {$6500.00} that was stolen from my account. Citibank has displayed a cavalier attitude and refused to acknowledge, let alone consider the evidence presented to them. They have caused emotional, physical, mental and financial stress while they remain a faceless corporate entity, uncaring about a XXXX XXXX who was robbed on XXXX premises, an event captured on video footage. One last point, my account only had {$1300.00} before this incident, the fraud check took it to {$9300.00} allowing {$6500.00} to be given to the fraudster. Once the check bounced, this left the balance at a deficit of {$5200.00}. Now Citibank is harassing us for this amount, threatening taking us to a Collection Agency and has frozen the account.
While it is terrifying to know that perpetrator is still out there trying to rob his fellow citizens ( mainly due to inaction on Citibanks part ), it is ultimately more terrifying that Citibank, a huge, billion-dollar corporation, is abetting the fraud by refusing to acknowledge the incident as well as, very importantly, NOT fixing the fatal flaw in the ATM that the perpetrator exploited, thus allowing such scams to continue. Citibanks is by far the bigger crime.
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| 10/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am writing to bring to your attention a pressing matter concerning a recent transaction on my credit card account, which I firmly believe necessitates an immediate chargeback. The details of the issue are as follows : Transaction Details : Transaction Date : XX/XX/XXXX Transaction Amount : {$790.00} Merchant Name : XXXX Description of Goods/Services : Unauthorized charge for services not agreed upon The heart of this matter lies in the unauthorized charge of {$790.00}, which was processed on XX/XX/XXXX by XXXX. I wish to underscore that I did not authorize or consent to this transaction in any form or manner.
Moreover, my concern deepens as I discovered that XXXX had conspicuously omitted essential legal and ethical obligations in their operations, which I believe violate both California and Federal Law. My efforts to communicate this issue with them have been met with resistance and evasion.
Key Issues : Missing Terms of Service and Privacy Policies : XXXX failed to provide Terms of Service and Privacy Policies on their website at the time of signup, which is a critical requirement. I have attached documented evidence demonstrating this omission.
Failure to Present Clear Auto-Renewal Terms : The auto-renewal offer terms, as mandated by law, were not presented clearly and conspicuously during the checkout process. This violates the requirement that such terms must be distinguishable, clear, and easily noticeable.
Lack of Post-Sale Acknowledgment : No post-sale acknowledgment, such as an email outlining the auto-renewal terms, was provided to me after enrolling with XXXX This is violation of California Law.
Absence of Cancellation Instructions : XXXX did not furnish me with any information on how to cancel the trial period, either during account creation, signup, or thereafter. This is also a violation of California Law Given these glaring irregularities and the unresponsive nature of the merchant, I kindly request your assistance in initiating a chargeback for this unauthorized transaction. It is my sincere belief that the circumstances surrounding this charge are in clear violation of the terms and conditions set forth by your credit card company.
I am prepared to provide any further documentation or information required to facilitate a swift resolution to this matter.
I appreciate your prompt attention to this urgent issue and trust that your company 's commitment to its cardholders ' rights and ethical business practices will lead to a fair and just resolution.
Contact with XXXX : On XX/XX/XXXX I reached out to XXXX through the chat prompt they have on their site, but no one responded. It took me until XX/XX/XXXX to track down further contact information and email them about the charge.
XXXX responded with the following on XX/XX/XXXX : XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX to me Hi XXXX , Thank you for reaching out to us. We understand your concern regarding the subscription charge after the 2-week free trial period.
We'd like to clarify that during the sign-up process for the free trial, it is mentioned that the subscription will automatically start after the trial period ends, and the chosen payment method will be charged accordingly. This information is provided in our terms of service and on the free trial sign-up page ( screenshot attached ).
As you have used our service for the trial duration, your subscription was automatically activated at the end of the trial period. This enables you to continue using our service without any interruption.
However, we value your satisfaction as a customer and would like to find a suitable resolution for you. While we are unable to process a refund for the subscription, we would be happy to discuss other options that may better suit your needs. For instance, we can adjust the subscription plan, extend your current subscription, or offer you a credit toward future use.
Please let us know how you would like to proceed, and we will do our best to assist you. Our aim is to ensure that you have a positive experience with our service.
Thank you for your understanding, and we look forward to resolving this matter to your satisfaction.
XXXX Team I responded with the following on XX/XX/XXXX : XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXX to Support Hi, Thank you for your response, but this is not a suitable resolution. First off, your service really didn't work very well during the trial period for a couple of days I used it.
As far as the renewal, you are in violation of several California laws under Californias Automatic Renewal Law.
Your terms of service do not load - see attachment Your privacy terms do not load - see attachment Automatic renewal offer terms must be presented to the consumer both before the purchasing contract is fulfilled and after enrollment in the form of an email or other post-sale acknowledgment. I never received this.
During checkout, terms must be presented clearly and conspicuously so that they can be distinguished from the rest of the offer. This means that the text of the auto-renewal offer should be : In larger type than the surrounding text, In contrasting type, font, or color to the surrounding text of the same size, Set off from the surrounding text of the same size by symbols or other marks in a manner that clearly calls attention to the language.
These are just a few of the violations. I am requesting a full refund, or I will submit a complaint to the Attorney General 's office and pursue further remedies as need be.
Thank you.
Best, XXXX I sent a follow-up message on XX/XX/XXXX as I received no response : XXXX XXXX XXXX XX/XX/XXXX, XXXX to Support Hi, I am following up as it has been 4 days, and I have received no further response. I am requesting a full refund again.
I noticed that you have fixed your terms & service & privacy agreement not being present at signup. I have both screenshots and a video showing that this was not working when I signed up. Again, I am asking that you please refund the full amount that my account has been charged.
Thank you in advance for your prompt attention to this matter and rectification. I will pursue further recourse to correct this matter if need be, and this is the last time that I will make this request.
Best, XXXX On XX/XX/XXXX, XXXX responded with the following : Support XXXX XXXX Attachments XX/XX/XXXX, XXXX to me Hi XXXX , Thanks for your email.
Have you cancelled your subscription before the end of the 14 days trial?
I double checked and terms of service are working fine, which you have accepted during account creation.
During checkout it clearly says " 14 days free trial then {$790.00} per month '' ( screenshot attached ) As you have used our service for the trial duration, your subscription was automatically activated at the end of the trial period. If you're not satisfied with the service during the 14 days trial period, you can cancel your subscription.
Thanks I responded on XX/XX/XXXX and one more time on XXXX XXXX, but never received a further responded from the company : XXXX XXXX XXXX XX/XX/XXXX, XXXX to Support Hi, Your terms and service and privacy laws were not working when I signed up. You have since fixed this after I notified you. I already attached screenshots showing that it was not working, and I have added the video as well. This makes any claim you stated invalid and illegal since they were not working.
Again, please refund, or I will report you for the below reason to the attorney general and will pursue legal actions if need be. This will be the last time I give you an opportunity to rectify this.
As far as the renewal, you are in violation of several California laws under Californias Automatic Renewal Law.
Your terms of service do not load - video showing Your privacy terms do not load - video showing Automatic renewal offer terms must be presented to the consumer both before the purchasing contract is fulfilled and after enrollment in the form of an email or other post-sale acknowledgment. I never received this.
During checkout, terms must be presented clearly and conspicuously so that they can be distinguished from the rest of the offer. This means that the text of the auto-renewal offer should be : In larger type than the surrounding text, In contrasting type, font, or color to the surrounding text of the same size, Set off from the surrounding text of the same size by symbols or other marks in a manner that clearly calls attention to the language.
Contact with Citi Bank : -Made several phone calls where I spoke with their fraud department to explain the issue further and I have submitted this fraud chargeback. Pointing out that XXXX never provided, nor did I agree to their terms of service.
XXXX ( Dispute Follow-up ) XXXX XXXX XXXX Attachments Tue, XX/XX/XXXX, XXXX to billingdisputes To : Billing Disputes Department : I have included and attached the requested documentation and a video for your team to review.
XXXX is in violation of a number of California Automatic Renewal Law protections and Federal Laws that make it very hard to know when and how to cancel during their free trial period, and based upon these reasons, I am requesting a full refund of the {$790.00} that I was charged by the company. I have also filed a complaint with the attorney general that is currently under investigation.
The California Automatic Renewal Law prohibits sellers from charging consumers credit or debit cards for an automatic renewal plan without first obtaining the consumers affirmative consent. It also requires sellers to clearly and conspicuously1 present certain automatic renewal offer terms at the point of sale in close visual proximity to the request for consent to the offer.
Wherever the ARL requires clear and conspicuous disclosures, the required information must be presented in larger type than the surrounding text, or in contrasting type, font, or color to the surrounding text of the same size, or set off from the surrounding text of the same size by symbols or other marks, in a manner that clearly calls attention to the language. Their checkout process does not do this, and they are in violation. The text is smaller and in a XXXX XXXX that easily blends in with the background during the checkout process.
Screenshot XXXX at XXXX XXXX.XXXX California Automatic Renewal Law requires sellers to deliver a separate post-purchase acknowledgment to the consumer in a retainable form ( such as email ) that clearly and conspicuously presents the same automatic renewal offer terms disclosed at the point of sale and further explains how the consumer can cancel the automatic renewal service. This was never provided by the company. The only communication I received after signing up was the following email : Screenshot XXXX at XXXX XXXXXXXXThe California Automatic Renewal Law required for subscriptions sold online plans that include a free gift or trial must also explain how the consumer can cancel ( and allow the consumer to cancel ) before paying for any goods or services. The company provided no information on how I can go about canceling the free trial during the checkout process or after. Their terms of service and privacy policy pages were blank when I went to view them. Not having a Privacy Policy on their website is a violation of Federal & California Laws, and they should not even be collecting credit card information in the first place. Here is a screenshot and video showing this.
Video Showing neither privacy policy nor terms of service were viewable/available : XXXX, no privacy policy or Terms of Service - Watch Video Privacy Policy : Screenshot XXXX at XXXX XXXX.XXXX Terms of Service : Screenshot XXXX at XXXX XXXX.XXXX Due to all of the above violations of both Federal and California Laws , XXXX made it very hard to cancel during their trial period, and I am requesting a full refund of the {$790.00} that I was charged by Influencify.
To recap, they did not provide the following requirements from California Automatic Renewal Law and Federal Law.
1. Clearly and conspicuously present certain automatic renewal offer terms at the point of sale in close visual proximity to the request for consent to the offer.
2. A description of the policy for canceling a trial and how to go about canceling during the checkout process.
3. A separate communication after subscribing outlining how a user can cancel during the trial period.
4. No Privacy Policy on their website, which is a violation of federal law and does not allow them to collect any PII ( Personal Identifiable Information ) such as credit card information, name, email, etc.
Thank you, and I am sure that Citi Bank will do the right thing for me, the consumer, as I have been a loyal customer for 10+ years.
Best, XXXX XXXX -- XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX Attachments Scanned by XXXX XXXX XXXX XXXX Attachments Fri, XX/XX/XXXX, XXXX to billingdisputes I spoke to one of your fraud representatives, and she shared that she will be reaching back out to inquire about re-opening the following case : XXXX.
I have attached a letter from the Attorney General of California stating that once I supply them with the mailing address for the company ( XXXX ), they will be reaching out to them on my behalf. I was only able to obtain the accurate mailing address through the information they provided to CitiBank and shared it with me. Again, this is another way this company is deceitful ( Attached PDF ).
Adding additional context showing how I was not made aware of their terms of service as they stated in their correspondence with Citi Bank, so no, I was not made aware of how to cancel, when to cancel, nor did I legally agree to anything.
The two screenshots directly below were provided by XXXX. I previously provided screenshots and a video showing that the terms of service and privacy policy pages were blank and contained no content ; therefore, there was no way possible for me to be aware of their terms nor how to cancel. I have included these screenshots again below the screenshots from XXXX.
Provided by XXXX in their correspondence to CitiBank : Screenshot XXXX at XXXX XXXX.XXXX Provided by XXXX correspondence to CitiBank : Screenshot XXXX at XXXX XXXX.XXXX From complainant : Video Showing neither privacy policy nor terms of service were viewable/available : XXXX, no privacy policy or Terms of Service - Watch Video Complainant : Screenshot showing No Privacy Policy : iXXXXXXXX Complainant : Screenshot showing No Terms of Service : image.png Due to legal violations of both Federal and California Laws , XXXX made it very hard to cancel during their trial period, and I am requesting a full refund of the {$790.00} that I was charged by Influencify.
To recap, they did not provide the following requirements from California Automatic Renewal Law and Federal Law.
1. Clearly and conspicuously present certain automatic renewal offer terms at the point of sale in close visual proximity to the request for consent to the offer. California Automatic Renewal Law requirement ( documentation provided in previous email ) 2. A description of the policy for canceling a trial and how to go about canceling during the checkout process. California Automatic Renewal Law requirement ( Documentation provided in the previous email ) 3. A separate communication after subscribing outlining how a user can cancel during the trial period. This is a California Automatic Renewal Law requirement ( Documentation provided in the previous email ) 4. No Privacy Policy on their website, which is a violation of federal law and does not allow them to collect any PII ( Personal Identifiable Information ) such as credit card information, name, email, etc. ( Provided again ) California Automatic Renewal Law and Federal Law requirement.
If this matter is not resolved in a timely manner, my next steps will be to go after legal recourses, in which I will be naming CitiBank for being compliant in conducting business with a company that uses deceitful and unlawful practices that violate California and Federal Law.
Thank you for your prompt attention to this serious matter.
Best, XXXX XXXX XXXX ( Dispute Letter Follow-up ) XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX ( 9 days ago ) to billingdisputes This is in response to the letter I received on XX/XX/XXXX.
I am requesting that these fraudulent charges be reversed. I have contacted the merchant multiple times to reverse these charges, and they have not been willing to work with me. I am asserting my rights to claims and defense and will not pay anything towards these charges.
I never agreed to nor authorized these charges, and the terms of service they referenced below and in their response to Citi earlier were completely blank and provided no information ; therefore, there was no agreement to them charging me for these services. I have provided screenshots and video of this and have again below.
Here is one of the few responses I received from XXXX after I finally tracked down a contact email.
Screenshot XXXX at XXXX XXXX.XXXX Video Showing neither privacy policy nor terms of service were viewable/available : XXXX, no privacy policy or Terms of Service - Watch Video Complainant : Screenshot showing No Privacy Policy : XXXXXXXX Complainant : Screenshot showing No Terms of Service : XXXX Thank you for reviewing.
Here is a video Link showing Infuencify blank terms of service and privacy terms : XXXX XXXX XXXX
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| 06/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
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SUMMARY : - 1 ) My credit card account was hacked or compromised in apparently due to a failure of security in CITI 's database ; 2 ) resulting in at least 2 but likely more, fraudulent transactions using my account ; 3 ) resulting, apparently, in CITI replacing my actual account billing address with a fraudulent address in their database, and CITI sending that fraudulent address to XXXX, which caused my actual address to be replaced with the fraudulent address in the credit bureaus ' databases, that spreads the fraudulent information harming me further ; The fraudulent address that CITI allowed in their database likely resulted in CITI sending my statement, and any replacement card ( s ) to the fraudulent address.
4 ) I made multiple attempts to resolve these issues with CITI by phone. I got numerous promises from CITI that were not kept including the following ; A ) multiple unfulfilled promises to send me replacement cards for the account ; B ) multiple unfulfilled promises to send me my account statement so I could pay legitimate charges I made, to get any fraudulent charges removed, and avoid any late charges.
C ) promises to correct any damage to my credit standing that might occur since I am unable to pay the correct, valid amount without the statement ; D ) an apparent promise on one call was made that the agent was removing the fraudulent account address, and restoring the my correct address as we spoke during the call, which seems not to have been true ; E ) multiple unfulfilled promises that CITI would contact me at my correct account address and / or phone number within a specific number of days ( much later, after, several weeks, well after the promised contact periods had expired, and the promise therefore violated, I started to receive robo calls asking me to contact CITI ) ; F ) numerous promises to resolve all the issues without cost, further risk to my identity, account, personal information, or damage to my credit standing with the the credit agencies, as, for example, the promises made in my XX/XX/XXXX call detailed in the call history section below.
5 ) Numerous difficulties in communicating by telephone with CITI. Some examples follow ; A ) highly erratic audio quality. Sometimes I could hear and be heard clearly, but many times, the calls were nearly unintelligible, with me not being able to hear clearly, audible gaps in speech sometimes in the middle of words, hiss on top of the agents voice, the agent apparently was not being able to hear me, as the agent would continue speaking over me when I would loudly and repeatedly asking for clarification ; B ) being put on hold for a lengthy period after which the call dropped and went to busy tone.
TIME SEQUENCE OF CALLS WITH SOME DETAIL XX/XX/XXXX, my wife experienced a credit card refusal.
____________________________________ XX/XX/XXXX I called the CITI to ask what was going on.
- I was told there had been 2 physical card transactions, XXXX & Best Buy, one for {$500.00}.
- These transactions were not done by either legitimate cardholder and therefore are fraudulent, and I informed the agent of that fact.
- At first, I was told that these fraudulent transactions occurred on XX/XX/XXXX, but the agent later changed the story and said the fraudulent transactions had occurred on either XX/XX/XXXX or XX/XX/XXXX ( my notes are unclear on this point, but the fact remains that I was told 2 different things and the agent seemed a bit uncertain about this point ).
- I was told the current card account number would be shut down and new cards with new a new account number would be sent to me at my billing address arriving in 7-10 days.
___________________________________________ About XX/XX/XXXX - I received an email alert message from XXXX XXXX, a security service I pay, and I logged in.
- Their web site said they had detected that XXXX on XX/XX/XXXX had received an address change for me from 'one of my credit companies. ' As the credit card I am making this report about was the only one I had open, XXXX was being told by CITI in this report that my address had changed.
- The fact is that I have been living at my current billing address for over 30 years, and have not moved, so the new address entered with XXXX is fraudulent. That fraudulent address, replacing my actual legal current address, apparently entered by CITI, per XXXXXXXX XXXX is : XXXX XXXX XXXX XXXX XXXX, WA XXXX- This implies that either : - 1 ) the CITI database had been hacked and fraudulent data entered. As it would seem unlikely that only my data would be hacked, this would appear that most likely I am only one victim of may whose accounts would be compromised.
- 2 ) someone had impersonated me sufficiently well to the CITI so as to convince them that it was me and allow them to fraudulently put in fraud data into my account with them.
_________________________________________ XX/XX/XXXX I called back to inquire as I had not received the replacement cards that I was promised.
- The agent seemed to say that replacement cards were sent on XX/XX/XXXX, which, I believe would be an error, as this would have been before I had noticed any problem, but it this is true, the cards were likely sent to the fraudulent address, and would be in the hands of the fraudsters, putting me, my identity, and my credit standing at risk through no fault of my own.
- I pointed out that I had not received my most recent statement yet and it was probably over a week over due, and that I need it in order to pay, avoid late charges, get fraudulent transactions removed. I pointed out that the statement likely was sent to the fraudulent address and the CITI was revealing, to fraudsters, private identity infromation as, for example, entities I was paying, and the amounts I paid, which could be used in further financial attacks against me.
- The agent seemed to say she removed the fraudulent address and corrected it to my actual address, but this seems not to have been true, as subsequent events seem to show.
- I asked the replacement cards be expedited, along with my missing statement, and the agent, per my notes, promised that the replacement cards would arrive in 24 to 48 hours.
- I emphasized that, since CITI had allowd a fraudulent address, - A ) CITI seemingly had been hacked, putting me and my personal data at risk ; - B ) charges made on any charges made using replacement cards they sent to the fraudsters would be fraudulent.
- The agent kept putting me off when I asked questions., saying, " Don't worry about it, '' or the equivalent, - This particular call had a bad connection and there was a need for a lot of repeating.
___________________________________________ XX/XX/XXXX I had not received the replacement cards nor the missing statement, so I called again.
- This time, contrary to the apparent statement by the person I talked to on the XX/XX/XXXX call that the fraudulent address had been corrected to my actual account address while I was on the phone with speaking to that person, I was now told that the address had not been corrected, that what I had been told was not true, and they would need to send me a text message. As the phone number CITI has is an old land line that is not capable of receiving texts, that would of course not be possible. I got transferred to another agent who soon started saying he would not give me, " any further information, '' and kept, I believed used this phrase or something very similar as I asked questions. He refused to tell me how they would contact me, given that CITI had a fraudulent address, and perhaps a fraudulent phone number, and perhaps other fraudulent personal ID for me.
- I explained that the phone I was calling from is the long-time phone number that they had for my account and that my account mailing address had been unchanged for over 30 years. He kept repeating the phrase about " no more information. '' - I pointed out that CITI using the fraudulent address I had repeatedly flagged to CITI would be CITI knowingly, sending replacement cards, and my statements to fraudsters, putting my identity, personal information about companies I use my credit card for, and my credit standing at risk. As well using a fraudent address puts CITI at risk of allowing fraudlent charges and damaging me, their customer. I emphasized that CITI must not do that, and must remove the fraudulent data, as they had known about the problem for over 2 weeks. There CITI had not resolve the problems, in spite of my efforts to help them over multiple calls.
- I asked when I could expect a response.
- He asked about security validation, and I offered to answer the stock security questions that the CITI had requested from me that had been entered online for my account years ago, that would be in the data for my account with CITI. I have those saved in an encrypted file and could pull those up for him, but he ignored me.
- He repeated himself often.
- I offered another piece of data he could use to validate me -- the last 6 digits of the checking account number that I always use to make payments on the account -- and pointed out that the agents I spoke to on XX/XX/XXXX and XX/XX/XXXX had asked for that information, and had used that information as validation, but he refused. That is an inconsistency from call-to-call.
- He asked for a cell number, and I pointed out that I had had an identity problem that affected my credit card with CITI approximately 21 years ago that was reported to the U.S. Secret Service, who told me in no uncertain terms to not give my cell phone number out under any but the most dire circumstances. I was particularly concerned about giving that number to CITI, as CITI 's database for my account obviously was not being properly secured, and had been compromised, and CITI likely was communicating with the fraudsters at a fraudulent address as far as I could tell. Therefore, any new personal data I give CITI is at risk of falling to the hands of fraudsers, unacceptably increasing the risk of fraudsters using my data to attack my other financial accounts.
___________________________________________ XX/XX/XXXX I called the CITI again to check on status.
- I went over the history with the agent and expressed my concerns that they were potentially communicating with fraudsters, that their database apparently contained at least a fraudulent address for my account, and perhaps more fraudulent data and transactions. I was transferred to the fraud department.
- I was told by the fraud department that I would be contacted ASAP by phone or mail. I pointed out that, as their database for the account was compromised and apparently contained fraudulent information, that it was essential that they contact me at my correct billing address or my correct account phone number. I had been advised by XXXXXXXX XXXX, the financial security firm I engage, when they opened a security breach case for the fraud on my credit card account, I was told to insist that I talk to a supervisor.
- The supervisor I was connected to said that I would be contacted in the next week or so by phone or mail at my actual account billing address, and that they would not use the fraudulent address.
- I was told that the missing billing statement could not be sent until after the account was 're-certified ' ( I didn't get the exact wording she used in my notes ).
- It is my clear understanding that I was promised that CITI would correct any late fees, fraudulent transactions, corrections to data reporting fraudulent data and transactions that the CITI incorrectly sent to credit agencies without harm to my credit rating, and any other actions CITI needed to take to 'make me whole ' in terms of money and credit standing at that point.
- The supervisor said she would open a complaint, which I took as to be what I would consider as a 'trouble ticket ' in CITI 's system to track the unacceptable mishandling by CITI of my situation over time, including to get the issues with CITI making repeated unkept promises, and telling me inconsistent and contradictory things over the sequence of calls, including the often terrible phone connections. Included in the 'compaint ' would be a call during which I was put on hold and after a long delay, being disconnect.
XX/XX/XXXX Someone left messages on the home phone to contact CITI.
I called twice, as my first call was disconnected before it was completed.
First call : I said I expected that this call is being recorded and my entire statement will be entered into the records. He agreed that what I said would be entered in the records.
I asked for a call reference number. I was told that one would be generated and that he would give it to me at the end of the call.
He asked for the reason for my call. I read him a summary of problems that are at the beginning of this document. I skipped to the section in this document of What would be a fair resolution to this issue? that begins later in this document. The call was disconnected while I was reading.
Second call as the first call was disconnected in progress, I tried again : My notes on this call are not entirely clear.
Ultimately, perhaps after a few transfers, I asked for the fraud department and was transferred.
Somewhere is this process, I asked again for a call reference number, and was told there was not call reference number. I pointed out that this statement contradicts what I had just been told on the earlier call. This is another small example of me having received contradictory information by phone from CITI.
I believe somewhere in here I was asked how I found out about this. I had mentioned that several robo calls were on my home answering machines asking me to contact CITI. In a more detailed explanation of how the would set of issues came to my attention, I started reading the Time Sequence of Calls section above in this document and got to the XX/XX/XXXX call section. I asked if that was enough and was told that was the case.
I explained that I have been repeatedly promised things by phone that never happened. I explained that I was told things by phone that were contradictory. I explained that my calls have been disconnected, including one earlier today.
I explained that, therefore I don't see the value of talking. I've talked to multiple people from CITI over numerous calls before, over a period of over 1.5 months, and got the unkept promises, contradictory statements, and call connection problems ( which I detail elsewhere in this documnent ), and that I must get an address to communicate with CITI that will get me a clear, consistent written response to the issues.
I was given a mailing address, which turns out to be the same as the address on my card statement. The agent seemed to agree that I CITI would respond in writing.
I was told that I would get, if I understood correctly, a Citi Bank notification by mail.
I emphasised again that they had been hacke, fraudent data enterd and reported to credit bureaus.
I emphasised that CITI must report this breach to any overseeing regulatory agencies and law enforcement. I've been hurt by this. It has dragged on for over 1.5 months.
I emphasised that I need specific information as to resolution proceedures in writing.
Earlier she said she had opened a complain, but would not share the complaint number. This seems to be a likely contradicion, as on an earler call, an agent told me they were opening a complaint, so why would this agent now a complaint was already open?
XX/XX/XXXX later in the day I answered a call from someone claiming to be from CITI.
She asked for identifying information from me, and I explained that I had been informed by the U.S. Secret Service to NOT give any information over the phone, not even my name, to someone I don't know, without having some proof that they were who they say they are, as bad guys often call and pretend to be someone else to try to fool people into giving them personal information they can use for fraud. So, I asked her to give me some definitive, uncontestable proof that she was who she claimed she was. She said she understood what I was saying but was unwilling to prove her identity.
She started asking question even though I had just told her the U.S. Secret Service had warned me not to answer anything without being certain of who was calling. She started talking about me receiving some mail. I pointed out that if she was legitimately who she claimed, she would know that no mail of the kind she described had been sent here and that fact undermined her credibility. She said she could not answer for my mail deliver. I tried to point out that it is not credible to me that, if they sent something to the correct address that the US Postal Service did not deliver it. After some back and forth where she seemed not to respond to my points, she somewhat politely broke off the call.
|
| 06/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Citibank has claimed, falsely, that this complaint involves a third, unauthorized party on 2 separate occasions. A freedom of information act request has been submitted to analyze the disposition of Citibank complaints.
Original complaint : The incompetence, lying, and outright fraud shown from Citibank is astounding. Even if you don't find in my favor, please take this complaint seriously and consider appropriate fines for Citibank. They are actively, maliciously, causing harm to their customers as a cost saving measure. Any reasonable jury would find that they are violating the Fair Credit Billing Act of 1974 as a means of cost-savings. I filed 3 disputes on XX/XX/XXXX for work done by a contractor. The initial details included are outlined below at XXXX. Citibank opened the dispute on XX/XX/XXXX when I initially learned that my contractor did the work illegally without any permits. There were 3 separate disputes in the amounts of {$6500.00}, {$4000.00}, and {$4000.00}. Citi provided online documents on XX/XX/XXXX for me to respond to the dispute details. Those XXXX documents are attached ( Citi dispute 1, Citi dispute 2, Citi dispute 3 ). they have sense been removed from my online account. These 3 disputes were mistakenly sent to me all for dispute Case ID : XXXX. All three were identical. I responded separately to all XXXX. In the next few days, I realized they only applied them to 1 of the 3 disputes. I realized their error and I resubmitted the dispute information with the updated dispute number ( attached : Email Screenshot XXXX, Email Screenshot XXXX ( XXXX ) ). They currently have XXXX different letters on my account after I had called to inquire about the XXXX duplicate letters. They replaced them with 3 alternative duplicate letters ( Currently attached to my account : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). Their next communication with me is dated XX/XX/XXXX ( attached : XXXX ). This letter arrived at my house on XX/XX/XXXX but I replied on XX/XX/XXXX because I was able to review the letter on my online account ( Response : XXXX response letter, attachments to this letter are also included here ). They have sense, back dated a letter that says they sent it on XX/XX/XXXX. This is a complete and total lie. They did not send a physical copy of the letter and there was not an online version of the letter until the last few days. They are purposely, illegibly backdating documents to cover their legal exposure ( attached : XXXX ) I have called them more then 10 times during this process. I have the recorded calls. I have been lied to repeatedly, including employees identifying as supervisors. I have multiple recorded calls to support this. Last week I called on Monday, XX/XX/XXXX and I was told that an email was sent to the investigator and I would receive a call back in 24-48 hours. That did not happen. I called after 48 hours and asked to speak to a supervisor. She sent another email and ensured me that I'd have an update in 24-48 hours. That, once again, did not happen. I started my cfpb complaint last Friday and contacted the executive response team. Citibank, appears to purposely making the chargeback process as complicated, and non responsive as possible to reduce their costs. It's that simple. They need to be help accountable for their actions. 1A : Expected to receive : We paid to have a licensed and bonded contractor pull required permits, remove a load bearing wall, reroute electrical and hvac system, install a steal beam to replace the load bearing wall, encase the beam in drywall or wood and patch and repair any damage caused during the process. Actually received : Contractor did not pay his bond starting XX/XX/XXXX. Contractor lost all licenses on XX/XX/XXXX. They pulled no permits and all work was done il legally. They removed the wall, installed the steal beam, and had an hvac subcontractor attempt to reroute the ductwork. We had to pay for a structural engineer to come out to inspect the structural integrity of the steal beam. We have had 3 hvac companies come out to inspect the work provided by our contractor and they all 3 agreed that there were serious safety issues and that all hvac work would have to be completely removed and redone at a cost of XXXX XXXXplus the cost to pull permits. The contractor also used my personal power tools without permission, stole and damaged property, and purposely wasted XXXX gallons of water between XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX. Text from XX/XX/XXXX email : To whom it is conerned : This is in response to the letter posted to my account dated XX/XX/XXXX. These documents apply to all XXXX disputes mentioned in the letter : XXXX XXXX XXXX First Letter Requirement : Please provide us a copy of the invoice, contract or an agreement along with terms of the sale. Initial contract attachment : " Original Contract not signed '' Signed Contract attachment : " Signed Contract XX/XX/XXXX '' Second Letter Requirement : Please provide us the first and the last date you received the services from the merchant. First construction Date : XX/XX/XXXX Last Date : XX/XX/XXXX Third Letter Requirement : Please provide us the date you made the materials available to the merchant for pick up and the merchant 's response to your request for credit. The merchant has been free to pick up his materials at any time but has not asked to. My lawyer also sent him a letter ( attachment : " XXXX XXXX XXXX XXXX XXXX '' ) to arrange a pickup but the contractor has not responded. The merchant did not respond to my request for a credit. XXXX XXXX XXXX : Please provide us your recent attempts to contact the merchant to resolve your claim I contacted the merchant on XX/XX/XXXX to ask for the permits. His response was " I wouldn't want to waste anymore money. So I'm not going to do that '' ( attachment : " Text XXXX '' ) A voice call attempt on XX/XX/XXXX and XX/XX/XXXX attempting to discuss a refund were not answered. Emails to his email address are returned : XXXX. And his websites are down ( XXXX, rmrllchilliard.com ). Fifth Letter Requirement : Please provide copies of all documentation pertaining to these transactions including invoices, emails, or any other documentation that will support your claim. Remainder of the email text and attachments. The contractor ( XXXX XXXX XXXX presented his business as licensed, bonded, and insured. He did not pay his bond in XX/XX/XXXX and his licenses were put on hold. They were suspended on XX/XX/XXXX. The document named " Signed XXXX XX/XX/XXXX '' had permit drawings attached ( attachment : " XXXX '' ) leading me to believe that the contractor had completed the permit application as he had told us he would do. He confirmed he never pulled permits because he was not able to by text on XX/XX/XXXX ( see attached : " Text XXXX XXXX '' ). He has the permit in the contract in the first step but he did not apply for it. He also has it listed in the attached file : " XXXX XXXX XXXX ''. Summary of situation : We wanted to remove a load bearing wall that was between our living room /dining room/kitchen. This required a steel beam and rerouting the hvac system. Before we agreed to remove the wall, we had a plan for the hvac system and how it would look. Only after that, did we agree to move forward with the project. Work started the week of XX/XX/XXXX. We met with the electrician to make the electrical wiring in the wall to be removed safe. We also met with the hvac team to finalize our plan for rerouting the hvac ductwork. Then on XX/XX/XXXX XXXX XXXX 's team came to the house and removed everything except the framing for the load bearing wall. The following week, they put up temporary supports on each side of the load bearing wall and removed the framing for the load bearing wall. On XX/XX/XXXX XXXX XXXX 's team installed the steal beam and its supports. On XX/XX/XXXX, the temporary supports were removed. During that process, 2 workers were removing a large beam and it fel causing damage to the vinyl flooring in our kitchen. XXXX XXXX subcontracted an hvac team to come out starting XX/XX/XXXX. They worked from XXXX on the XXXX and at the end of the day told me they were 70 % complete. They came back and worked from XXXX - XXXX on the 2nd day and still were not finished. We did not see the work they had done until the morning of the XXXX. It was not at all what we agreed to so we asked XXXX XXXX to come to the house to discuss how we could address our concerns. Our largest concern was the width of the beam and hvac ductwork on the ceiling of the first floor. Previously he had assured us that it would be XXXX '' XXXX '' wide when they were finished. When he came out on the XXXX, he was clearly agitated and said he told us it would be at least XXXX '' wide. It is currently XXXX '' wide and would require a soffit the length of the entire beam to appropriately hide the ductwork. I told him later that day via text, that we should put the hvac work on pause until I had independent hvac companies come out and assess the work that had already been done. XXXX XXXX had previously told me that he had the electricians coming out on XX/XX/XXXX and I asked him to cancel that visit because I was concerned that the hvac work would need to be redone which would cause the electrical work to possibly need to be redone. My text to XXXX was : " We should probably change the Monday electrician to a future date too. I don't want to waste money. '' I had XXXX XXXX XXXX XXXX out on XX/XX/XXXX. Their employee XXXX identified 1 serious safety concern with a return put right next to our gas water heater that could potentially cause combustion fumes to circulate throughout the home. Other than that, he just said that the work was very amateurish and simply would not work. We checked the ~11 returns throughout the house and the only one creating suction was the one that was on the side of the furnace next to the water heater. We also checked airflow on the 2 supplies that were rerouted and XXXX had minimal airflow, and the other had no noticeable airflow. XXXX 's estimate of {$5500.00} plus permits is attached ( " Quote HVAC rework XXXX '' ). XXXX stated that none of the work that was done could be salvaged. It all would need to be removed. We had a second professional come out later on the XXXX and he stated the same safety concern as XXXX and said that the work would all need to be redone. We had a third opinion on the XXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXX. They also had the same safety concern and questioned the decisions to run much of the return ductwork as a much simpler and more reliable option was possible. He also repeatedly stated that he did not believe a licensed hvac would have done this work. All of XXXX XXXX 's workers except for him and one supervisor spoke monolingual XXXX. My husband is fluent in XXXX. They were repeatedly saying derogatory, XXXX comments about us as they did their initial work on XX/XX/XXXX. I heard them ask about the bathroom and I asked my husband to respond. This is the first time they realized that he could understand everything they were saying. To say they were shocked was an understatement and they did not speak much at all after that interaction. I did not learn of everything they had said until several weeks later. This crew is not welcome back in the house. My husband and I were out of town from XX/XX/XXXX - XX/XX/XXXX and we allowed the contractor access to our home to continue his work. We had cameras in multiple places inside and outside and discussed that fact with XXXX XXXX prior to allowing them access to the home while we were gone. On XX/XX/XXXX they moved a camera, possibly by accident, that had the best view of the room they were working on. That same night they left water running starting at XXXX XXXX until XXXX XXXX the next day using XXXX gallons of water. This corresponded to the time they left on XX/XX/XXXX and was turned off while they were at the house on XX/XX/XXXX We have a smart device on our water meter that tells us usage by the minute ( attachments : " Flume Leak Alert XXXX '', " Flume Leak Detail XXXX '' ). This increase in usage was also reflected on our water bill. I did not see the leak detection report until XXXX. A leaking toilet uses ~50 gallons a day, a full running toilet uses ( if the fill valve was stuck open ) XXXX gallons a day. I texted XXXX XXXX and asked what happened and he suggested that a toilet was running. I told him that it was unreasonable- it would be like 8 toilets running. I asked if it was intentional and did not respond. This was more water then we used in the entire month of XXXX. Due to this incident, the contractor 's hired supervisor came to the house on XX/XX/XXXX and I asked for the key back. I was only willing to let them on the property when I was home to monitor them from that point. When XXXX came out on XX/XX/XXXX their employee explained that we were required to have a permit posted on the front door for the work we were doing. This was our first indication that XXXX XXXX did not pull the permits. I texted XXXX XXXX and asked for the permit number on XX/XX/XXXX. He replied " Haven't opened a permit because we do not have a complete scope of work yet. '' I replied with a screenshot showing that he had previously told us this was the first step after payment was received. I then texted him " If you haven't pulled them yet, you need to pull them now please. This is what you had said was your first step when our first payment went through ''. He then replied " I wouldn't want to 'waste any more money '. So I'm not going to do that. " ( attachments : " XXXX XXXX XXXX '', " Text XXXX XXXX '', " Text XXXX '' ) That is when we realized for certain that we could no longer use him as a XXXX. We contacted Citi on XX/XX/XXXX and disputed all payments for what we believed to be material breach of contract since he did the work illegally without any permits, did subpar work that was not properly inspected ( XXXX XXXX was being taken into the HVAC system by improper design ), and maliciously caused damage to our property through purposely wasting water ( attachments : " Flume Leak Alert XXXX '', " Flume Leak Detail XXXX '' ). We also started digging into his background. We contacted the city of XXXX XXXX XXXX XXXX department and confirmed that XXXX XXXX 's XXXX licenses ( XXXX, XXXX ) were revoked XXXX. We found that his license ( XXXX ) was put on " hold '' starting in XXXX, XXXX due to non payment of bond. More digging : XXXX county common please court default judgement of {$81000.00} against XXXX XXXX issued on XX/XX/XXXX - case number XXXX CV XXXX by judge XXXX XXXX. The plaintiff was XXXX XXXX, XXXX. Also open case XXXX CV H aa XXXX in XXXX county common please - XXXX XXXX is the plaintiff. He also has a tax lean on his home in XXXX. Because he is involved in several other lawsuits, including a default judgement of {$81000.00} against him, we believe XXXX XXXX to be insolvent. When the purchases were made, we believed that we were paying a licensed, bonded, and insured contractor to complete our project so that just in case something went wrong, we could go after his bond or insurance. Unfortunately, because he no longer has an active license or bond, we have no reasonable way to collect damages from XXXX XXXX. The total work from the contract is less than half done. The beam is in place, but the HVAC, electrical, and finishing work all still needs to be completed. We have around XXXX XXXX in our living room and our lawyer advised us that we could not repair or continue any work until all legal issues have been resolved. Our kitchen and living room have been nearly unusable for the past several months. The hardwood floor is damaged due to the very large cutout for hvac that needs to be redone. The vinyl floor in the kitchen is damaged. XXXX XXXX or his workers stole several items from the house ( led headlights ). The hvac work done damaged some other hvac ductwork that will need to be repaired. The air conditioner may have been damaged according the hvac professions that came out. The hvac work excluding the a/c is {$5500.00} plus permits ( attachement : " Quote HVAC rework XXXX '' ). I attached another version of the signed contract with a couple of comments where XXXX XXXX broke the contract terms. We can't be certain of XXXX XXXX 's motives for not responding to us or our lawyer but the lawsuits he's been in recently have had difficulty serving him in person and he XXXX be purposely hiding. Please let me know if you need additional information. Sincerely, XXXX XXXX The first complaint was fraudulently closed by claiming they needed my authorization to speak to me - saying there was a third part involved. That is not true. Citi bank says they responded to the complaint, but there is no evidence of that.
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| 09/24/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I am writing to file a formal complaint over unfair billing and related practices by XXXX/Citi regarding a XXXX credit card account that I had. In this complaint I will often refer to XXXX/Citi as a single unit, because Citibank apparently administers the XXXX credit cards and it is generally difficult for me to distinguish what actions are being taken specifically by which of these two entities. I will try to summarize the issues as follows, all relating to in-store purchases at the same store location in XXXX NM, involving only a mens belt and a few pair of Levis jeans.
Going back to XXXX when I first got the card, I received only four statements from XXXX, two of which I had to request. In the same time frame I received at least eight other types of mailings from XXXX/Citi up to as recently as XX/XX/XXXX ( notices about account changes, personal information use, promotional materials, etc. ). I offer this detail as evidence that XXXX/Citi has had a correct address with which to reach me during this entire time frame, including an interval between XX/XX/XXXX and XX/XX/XXXX when I had moved, but mail forwarding was still in effect, during which I received some of these mailings and one of the statements.
The first statement, closing date of XX/XX/XXXX, was for {$68.00} for a pair of jeans. This was paid with a personal check by mail, but no statement came after that for over a year, leading me to believe that my balance was zero, and that, as with some other businesses, I would only receive statements moving forward if a balance or credit existed. In fact, I was later told that this was precisely XXXX stated policy.
In the summer of XXXX, I returned this pair of jeans as defective, along with a second pair of defective jeans that I had purchased for {$53.00} using a different credit card a XXXX. The next time I made a purchase with the XXXX card was XX/XX/XXXX, for a mens belt, for {$31.00}. At that time I was waiting for resolution of the refund of the returned items, one of which was purchased on the same XXXX card. Therefore, this was during an interval when I expected a refund from XXXX for more than {$31.00}, since one of the two refunded items was bought with the XXXX card for more than that amount. In other words, XXXX should have actually owed me money at that time, but for some reason, and coincidentally, both refunds went to my other, non-XXXX XXXX account on the same day for a total of {$78.00}. This left me with a balance on my XXXX account rather than a credit. And furthermore, I received no statement for the next month.
Eventually, in XX/XX/XXXX, I began receiving multiple calls demanding payment for this balance, for which I had received no statement, and threatening late fees. Because I think it unwise to make payments over the phone when I receive no billing document of any kind, paper or electronic, I requested ( more than once ) that a statement be sent and thereupon I would pay the balance. I should also mention that an internet search indicated that scams using false demands for payment by persons pretending to represent XXXX were occurring, and this also factored into my demand for proper documentation.
After weeks, I finally received a statement ( two copies ), with closing date XX/XX/XXXX, with the charge of {$31.00}, which again I paid with a personal check by mail. I also managed to get any late charges dismissed at the time as well, by phone. Nonetheless, calls for payment continued, up to three a day, into XXXX, after my payment had already been mailed. Exasperated, at some point I requested that calls over this matter stop, but evidently XXXX/Citi took this request to mean that they were prohibited from contacting me by phone for ANY reason.
Meanwhile, I received no statements for XXXX or XXXX of XXXX. With no further calls and no statements, I thought that everything was resolved. However, unbeknownst to me because these statements never came, I would later learn that a {$2.00} fee for carried balance was not removed. I might add that XXXX/Citi at one point in early/mid XX/XX/XXXX told me that they have no record that statements were returned by the postal service during this period ( although they later told me the opposite, on XX/XX/XXXX ), and furthermore, XXXX Citi already had my new address in their systems by this time. There was yet another irregularity during this time frame that I only learned about in XX/XX/XXXX, and which I will explain below.
On XX/XX/XXXX, suckered by the promise of a discount, I purchased Levis jeans again using the XXXX card, for {$95.00} including tax. I then received a statement with a closing date of XX/XX/XXXX for {$99.00}. This apparently included no discount, but did include a {$2.00} late fee ( for what, when I had received no statement for the past two months? ) and another {$2.00} past due amount ( which I now assume must have been the {$2.00} carried balance charge mentioned in the last paragraph ). Nonetheless, I sent a personal check for the full {$99.00} by mail, without disputing these additional charges, and went forward again thinking that everything was resolved. However, I was wrong again.
Over the next several months, and up until XX/XX/XXXX, I received no further statements for this account. And until recently, no phone calls either. Yet I recently received two other pieces of mail, both from XXXX. One, dated XX/XX/XXXX, was a settlement offer for an outstanding balance of {$220.00}, sent in an envelope with no external markings to identify its sender, and which arrived sometime in XX/XX/XXXX, seven months after the last statement I had received. The other, dated XX/XX/XXXX, in a similarly unmarked envelope, was in the form of a letter beginning This letter is a notification of your recent request for us to stop all calls with you ( italics in the original ). Apparently it took 8-9 months for Citi to get around to this notification. Both of these mailings were sent to the same address where statements were NOT being sent.
After opening these mailings I began to call various XXXX/Citi customer service numbers to try and find out what was going on. I also asked that statements be sent and that I be called back by a supervisor ( which resulted in a new flurry of collections-related calls, again up to three a day ). I can provide the names and ID numbers that I talked to if needed but I would rather summarize what I was told here.
In the first few calls I was told, among other things, that : - No statements were returned by the Postal Service so it must be their fault that I didnt get the statements. This, during the same time frame that other types of mailings from XXXX/Citi were being successfully delivered to the same address!
- Anyway, statements are just a courtesy on the part of XXXX/Citi and it is up to the cardholder to track their balance, although it is supposedly also true that XXXX/Citi only sends statements when the account has a credit or balance. This, when inexplicable charges are being levied by XXXX/Citi ( e.g. unexplained late fees and outstanding balance fees ), and when virtually no one else that does business will make a payment until they are properly invoiced, if for nothing else, proper record-keeping. And in the absence of any communication whatsoever about these charges when XXXX/Citi just continued to pile on additional late and interest fees?
- That my payment of {$99.00}, including the mysterious charges, was not credited by XXXX/Citi until XX/XX/XXXX, making it late, although it took many months before I was advised that this had occurred with the result of additional charges by XXXX/Citi.
- That my account was closed for being delinquent. As far as I can tell, this was only communicated to me because I called to find out what was going on again no notification by XXXX/Citi.
Once I was able to speak to a supervisor in Billing Disputes I learned that the XX/XX/XXXX statement HAD BEEN RETURNED by the postal service, but that it had been sent by XXXX/Citi to an INCOMPLETE address, whereupon XXXX/Citi supposedly put in their system that statements should not be mailed to me thereafter! So then, I got no phone calls and no statements, but some months later, I got these other mailings to the proper, full address, including a settlement offer of charges of more than {$200.00} on a closed account, that evidently derived from late and interest fees from XXXX, that may have been worthy of dispute even then, had I known about them ( I eventually learned that the XXXX statement was for {$33.00}, consisting of {$2.00} carried balance, {$2.00} interest, and a {$29.00} late fee ).
I should also mention that during the course of these various calls, I managed to get two {$38.00} late fees removed, so that the balance was reduced to {$190.00}.
Then, on XX/XX/XXXX I got a statement due XX/XX/XXXX, for {$260.00}, sent to the correct address. The breakdown of charges is given on page 3. Here, one line is labelled REGULAR and has a breakdown into {$220.00} Previous Balance, {$38.00} Purchases, Cash Adv, Fees & Other Debits, {$5.00} Interest Charged, and {$260.00} New Balance, while a second line, labelled REGULAR ON OR BEFORE XX/XX/XXXX lists a Previous Balance of exactly {$0.00}, bringing the grand total to {$290.00}. I called Customer Service the same day to get an explanation of the {$0.00} figure from XX/XX/XXXX ( when by the way, the balance according to what I was previously told had been {$31.00}, for the belt, which I had purchased four days earlier, when coincidentally a refund was made to a different account than the XXXX card that was used to purchase the returned item, originally purchased for {$68.00}, over twice the supposed balance amount ).
During this call it was confirmed that my current balance was still {$190.00}, and the customer service representative promised to send to me copies of all the individual statements for the past year, including those that I never received, but he was unable to explain the {$0.00} balance figure. I have still not received these statements as of XX/XX/XXXX.
None of my attempts to resolve these issues by phone have resulted in satisfaction, and I was told by different representatives of XXXX/Citi that my only recourse was to write to the President of XXXX. Furthermore I was told that if I did not pay the full balance that they claimed by XX/XX/XXXX, that XXXX/Citi would levy a new round of late fees and other charges and report their actions to credit agencies, even though I had told them that I was disputing the charges. Therefore, on XX/XX/XXXX I sent a formal letter of complaint to the President of XXXX by certified mail ( I received a notice of receipt eventually on XX/XX/XXXX, dated XX/XX/XXXX ). I have gotten no response as of XX/XX/XXXX. I should mention that I sent copies of this letter to the Consumer Protection Division of the New Mexico Attorney Generals office and to the XXXX office of the 1st US Congressional District. The office of the 1st CD assigned a case worker to my complaint on XX/XX/XXXX, who advised me to file this complaint with the CFPB.
On XX/XX/XXXX, I received another copy of the XX/XX/XXXX {$260.00} statement, and also learned that my XXXX account had been blocked due to credit deterioration, so the situation was having negative effects on my credit score and other financial repercussions for me.
On XX/XX/XXXX I took the following actions to attempt to address this worsening situation. First, I sent an UNBLOCK request to the bank holding my XXXX account, to which I attached a copy of the letter I had sent to the President of XXXX, with the result that my account was unblocked the next morning. Second, I requested a Credit Report from XXXX, which I have not yet received. Third, I filed a formal complaint online with the Consumer Protection Division of the New Mexico Attorney Generals office. I was contacted the next day by a representative of the NM AGs XXXX office, who promised to take up the situation by contacting XXXX/Citi.
The final developments to date occurred on the next day, XX/XX/XXXX. The previous day I found that any calls I attempted to any customer service or billing dispute number for XXXX were redirected to a XXXX call center, so I attempted to find out what the current situation was through XXXX. A XXXX representative reiterated the demand that I pay the full balance ( {$190.00} ) that they claimed I owed by XX/XX/XXXX or there would be a new round of late fees and other charges, even though I had told them that I was disputing the charges, and even though they had yet to send me any of the missing statements or any other proper accounting of any of these charges in detail. I was also told at this time that XXXX/Citi would not reduce the balance further because I had used up too many late fee waivers in XXXX ( when I was trying to get the misallocated refund situation resolved ). She also contradicted what I had been told previously about whether earlier statements had been returned by the postal service, claiming that statements during XXXX had been returned also, and argued that I was responsible for this. When I protested that other mailings were being sent to the correct address during the same time frame, she contended that these were sent by other departments that had other ways of getting my address, so therefore it wasnt their problem! Anyway I went ahead and paid the {$190.00} on this day, in hopes of avoiding further damage to my credit, whereupon she told me that I would still be charged an additional {$2.00} fee in XXXX, for the carried balance. When I then asked how there could be a carried balance when I was paying in full, she gave an unintelligible word salad by way of explanation.
So, XXXX/Citi has levied charges and fees that they could not clearly explain or explain at all, and for which no statements were received by me. In some cases XXXX/Citi either could not explain coherently or consistently why statements were not received ( before XX/XX/XXXX ) or in other cases the explanation is a failure by XXXX/Citi to send statements ( and apparently only statements ) to a complete address ( after XX/XX/XXXX ). In the meantime, while XXXX/Citi is sending other types of mailings to the correct address, XXXX/Citi is piling on various fees and charges and has closed my account as delinquent ( with negative effects on my credit rating ), without written communication to me about any of this for months on end, and furthermore only informs me in writing after many months that XXXX hasnt even been calling me by phone. Finally, I mention again the misallocation of a refund to a non-XXXX account for a purchase made on a XXXX account, which resulted in a balance when I should have had a credit, way back at the beginning of the extra-fees saga. Even if one argues that I was responsible for a late payment and other fees from the XX/XX/XXXX bill, the fact is that errors on XXXX part ( the incomplete address error and subsequent decision to suspend further mailing of statements ) and lack of any other relevant communication left me no opportunity to be aware of or to address that issue.
And by the way, a brief internet search will reveal many dozens of complaints against XXXX that are similar or nearly identical to mine ( e.g., see www.complaintsboard.com/complaints/rr ) Therefore, when considering also the earlier irregularities on XXXX/Citis part ( refund error, lack of statements, suspension of phone contacts, lack of removal of the earlier {$2.00} fee, and the mysterious {$0.00} ), the damage to my credit history, the hassle and lost time, and the fact that such problems are apparently widespread with Macys credit card customers, I think that I should owe no current balance to XXXX or Citi ( the pending {$2.00} fee ), that XXXX/Citi should refund me the {$190.00} that I paid under duress on XX/XX/XXXX while my dispute was ongoing, and furthermore that any damage to my credit rating as a result of this fiasco should be corrected by them immediately and without reservation. I would much rather enjoy spending my spare time with my wife and 10-year-old son than spend it contending with XXXX about their poor record-keeping, odd accounting, spotty communications, and damaging credit practices regarding my good-faith efforts to make simple retail purchases.
I would like to reiterate in closing that nether XXXX XXXX nor Citi has yet provided me with a complete or even reasonable accounting, paper or electronic, of the charges that they claim that I owe, despite my repeated requests.
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| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have notified the credit bureaus & XXXX of misreporting bytheir company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information The following account ( XXXX Account Number : XXXX XXXX ) is reporting a balance of ( {$7000.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that it was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is canceled and at least should not reflect the balance that is currently showing of ( {$7000.00} ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation by you the furnisher to continue to report this inaccurate information. Especially with my notice and knowledge confirmation of the errors.This incomplete and inaccurate reporting has had a negative impact on my creditworthiness for too long. To address this matter, I kindly request that you provide me with Form 1099-C, which is required as proof of debt cancellation according to IRS regulations.I have taken the initiative to ensure my financial records are accurate and up-to-date, and I believe that providing Form 1099-C is crucial to establishing the validity of this charge-off. It is my understanding that the absence of this form would render the charge-off entry incomplete and potentially inaccurate. If it is determined that the charge-off entry lacks proper documentation, I request that it be promptly removed from my credit report to ensure the accuracy of my credit profile.
I XXXX XXXX presents evidence of what I believe to be deceptive and potentially unlawful practices by THD/CBNA ( Citibank N.a ) , the creditor in this case. The evidence I provide below is a communication I received from XXXX XXXX XXXX XXXX, a service provider to Citibank N.a, regarding the handling of an unverifiable debt account : [ Attach a copy of the communication EXHIBIT A ] In this communication, XXXX XXXX XXXX XXXX acknowledges that THD/CBNA placed my account for collection on XX/XX/XXXX, and subsequently recalled it on XX/XX/XXXX. However, I would like to draw the attention to several concerning aspects of this communication : Deceptive Practices : The recall of the account and its subsequent sale to another entity, XXXXXXXX XXXX XXXX XXXX XXXX Citibank N.a raises concerns about the accuracy and completeness of the information provided to me XXXX XXXX XXXX Deceptive practices, including recalling an account without proper notice or resolution, XXXX be in violation of the FDCPA, which prohibits unfair and deceptive debt collection practices..
Lack of Validation : Despite my explicit request for validation of the debt, XXXX Citibank N.a , through its service provider XXXX, failed to provide any substantial documentation or verification of the debt. This failure to validate the debt as requested is a violation of my rights under debt collection laws.
I believe that these actions by XXXX Citibank N.a may be indicative of deceptive and potentially unlawful practices under the FCRA and FDCPA. By recalling the account and subsequently selling it to XXXX & XXXX XXXX for them to sue me for a debt that can not be validated by themselves : Case NO. XXXX, XXXX Citibank N.a may have circumvented the protections provided by these laws, thereby compromising my rights. XXXX XXXX XXXX ( OSCR # XXXX ) is the Debt collection attorney suing me for a debt THD/CBNA knownly lied about recalling account they sold just to resell it a few days later to another debt collection company. NO one at XXXX citibank na can explain to me why a debt collection company is suing me for an unverifiable debt please CFPB help me i do not understand how they can do this.
IT'S NO Comments or Statements Saying This account was sold or purchased by two different entities which is a clear violation that need to be removed for the sake of the banking system and my creditworthiness I am contesting any information on my consumer report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations The account in violation listed above is not related to a transaction authorized by me, the consumer. This item has been FTC & CFPB reported since me consumer XXXX since the notice of the negative item on my consumer report.
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
FTC Report was sent to your company Report Number : XXXX back in XX/XX/XXXX with all the needed information to block and remove these inaccurate and incomplete accounts your company willingly ignored my request as a consumer which is an violation of FCRA laws 15 USC 1681a ( d ) Consumer Report.
( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I THE CONSUMER GAVE NO PERMISSION WRITTEN EITHER ORAL OR SIGNED DISCLOSURE TO GIVE PERMISSION TO FURNISH THIS INFORMATION TO MY CONSUMER REPORT. WHERE & WHEN DID YOUR AGENCY RECEIVE PERMISSION TO FURNISH INFORMATION ON MY CONSUMER THATS NOT RELATED TO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES. VIOLATION OF FCRA ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Your Agency Has failed to do an accurate and fair investigation No interviews with neighbors, friends or associates to determine my general reputation or personal characteristics was conducted which is a clear violation under congress.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
The account listed above i found and proved to be inaccurate and incomplete after multiple disputes and it still reminded on my consumer report which is another violation and clear signs of neglect for consumers in your agency 15 USC 1681 The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
By Your Agency reporting this negative information, they are contributing to the inefficiency of the banking system and public confidence of us, the consumers. Your Agency is violating my right to privacy given to me by congress. This is also a violation of the Fair Credit Reporting Act and defamation of character.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( A ) In general a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I would like to receive a description of the procedures used to determine the accuracy and complete fairness of the information your agency found and used please include business names, addresses of any furnisher connected in connection with the information your agency receives. Your company is in violation for not following FCRA laws No procedure description was ever sent to me after every disputed item. REMOVE IT IMMEDIATELY.
15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Your agency has violated all the above rights under the Fair Credit Reporting Act,15 U.S. Code 1681 Permissible Purpose of my consumer report.
15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
YOUR AGENCY IS VIOLATING MY RIGHTS TO PRIVACY I want to make it clear that this is I, '' XXXX XXXX and not a credit repair company sending out this notice to you. I have attached proper identification to this notice.
In case you didn't know, reporting invalidated information is fraudulent and a violation of both state are federal laws, so if this matter doesn't get resolved within the time allotted I am willing to take legal action to compensate for the damages I've sustained, because you've not only been willfully and continuously neglecting my request but also willingly violating the Fair Credit Reporting Act. Each Violation listed is actual damages sustained by the consumer as a result of your agency negligence to follow laws your agency will have to pay {$1000.00} for each violation. REMOVE ITEM LISTED Immediately or face litigation in federal court for all listed violations for monetary damages and defamation of character and harming my credit worthiness.
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| 02/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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My complaint is regarding an unauthorized XXXX EFT dispute case with Citibank. Details of the case : Transaction date : XX/XX/XXXX Transaction amount : {$1800.00} 1. My money was stolen via a fraudulent person-to-person XXXX transaction, which falls under Regulation E protection according to CFPB.
2. Citi did not conduct a reasonable investigation regarding my case initiated on XX/XX/XXXX, as they reported that the EFT in question was initiated in accordance with your instructions when I expressly told them ( and swore under oath on a attached declaration ) that it was not. In addition, Citibank employees did not provide me with information on how to submit supporting documents and information provided to me at my request at a later date was repeatedly incorrect.
3. Citibanks rules can not afford lesser protection than federal law 4. A man approached me on XX/XX/XXXX and requested to make a phone call to his sister from my cell phone ( that turned out to be the access device, although I am not certain because I am not totally sure how he actually initiated the transfer ). I granted him permission to make that phone call and only that phone call. I did not grant him authority to use my phone for any other purpose whatsoever. That same man ( whose name and phone number were on the transaction ), while in possession of my phone ( that he was granted permission to use for that phone call only and exclusively ) proceeded to initiate the EFT of {$1800.00} from my checking account. He therefore initiated this EFT without any permission from me or awareness by me. I did not receive any goods, services, benefit or currency/compensation in exchange for this {$1800.00}. I gave Citibank timely notice of this fraud, within 10-30 minutes of when it occurred. The man who approached me asked to use my phone for a phone call which I granted him license to do. He then asked if I could XXXX {$20.00} to his sister for gas money to come pick him up. I continued to hold the phone and entered the email address that he told me to send {$20.00} dollars ( solely {$20.00}. As he gave me {$20.00} cash ; which I later returned b/c the transfer did not go through ). The transfer did not go through. I closed the banking app. The man then asked to call his sister again from my phone. While I am not certain, I assume that this fraud occurred in one of two ways : 1 ) the man either saw me enter my password when I attempted to send the {$20.00} that did not go through and then logged in from his own device immediately after I walked away and transferred {$1800.00} to himself or 2 ) he somehow opened the banking app when he was holding my phone a second time to make the phone call to his sister. I did not with my own hand authorize the {$1800.00} nor grant him permission to enter my banking app or send any money/initiate any transaction. This is therefore an unauthorized EFT and is covered by CFPB Regulation E.
In summary, my claim falls under the protection of Federal Regulation E by the Consumer Financial Protection Bureau ( CFPB ), pursuant to the Electronic Fund Transfer Act.
As you can see in the attached screenshots, I have attempted to contact the phone number on the XXXX transaction in question. I called the number and left a voicemail when no one picked up. I then texted the number ( see screenshot ) and asked if the phone belonged to the name on the transaction, which the person responded Yes. So then I told him that he had stolen {$1800.00} from me and to please return it via XXXX and he responded Wrong person. How could it be the wrong person if his name and number are on the XXXX transaction and he confirmed that it is indeed his phone number? If he doesnt have it, who does? This proves that this is fraud. As detailed in the police report, there should be security footage of this happening. I called Citi immediately after this occurred and changed my password. I then immediately filed my initial police report, and submitted more information as soon as I could.
In addition : I received different information each time that I have called Citi regarding this fraud ( which I believe is at least 7 times now ).
First calls on XX/XX/XXXX ( at XXXX am XXXX, immediately after fraud occurred between XXXX and XXXX am or so according to my call log ; when the man who stole from me used my phone to call his sister at the number XXXX as given in the police report ). After walking away from the man who stole from me ( as I did not realize at that time that any funds whatsoever had left my bank account ), my boyfriend suggested that I check my bank balance because he felt as if the man who asked to use my phone was suspicious. I then discovered that my Citibank app had been uninstalled without my knowledge. So I began to panic and called XXXX ( the number on the back of my Citi credit card, to make sure it was a legitimate Citi number ). I called that number at XXXX am EST. I called Citi again numerous times at XXXX that evening. I then called XXXX and was given a case number. I told the agent that the {$1800.00} transaction was fraud, but that the {$650.00} transaction was my monthly rent payment and was legitimate ( interesting how the thief stole the exact amount that ( in addition to my pre-scheduled rent payment ) equals {$2500.00}, which I have now learned is the daily XXXX limit on my account ). I then called Citi again the next morning at XXXX am XXXX ( still XX/XX/XXXX ) to follow up and was told that there would be an investigation. No further information was given to me. I was not told to submit the police report that I had created that very night ( see attached ).
XX/XX/XXXX : I called Citi again to give the police report number that was assigned to my case and I again asked what my next steps would be and was told there will be an investigation and they will send you a letter in the mail. I was NOT told to submit the police report itself.
XX/XX/XXXX : I was credited the money back ( apparently provisionally ) so I assumed all was well. I was never contacted for any more details. To my knowledge, Citi never asked for or saw the police report.
XX/XX/XXXX : I received the postal letter stating that the credit to my account was provisional.
XX/XX/XXXX : I got an email stating that there was a new secure message in my account. ( Why did I receive this email on XX/XX/XXXX if the message was dated XX/XX/XXXX? ) XX/XX/XXXX : I noticed the email and read the secure message reporting that the money was taken out of my account again stating based on our research and the information you provided. What research was done? I was not provided with a way to send evidence. I called Citi immediately and spoke with XXXX, who told me that I should submit the police report etc to XXXX which I did. G did not tell me that the case was closed.
XX/XX/XXXX : I called Citi again to make sure that my documents were received and spoke with XXXX, who informed me that the case was closed, and so we started and appeal and I was given a case number and password for the case ( Why was I not given a password for the case when I initially submitted it on XX/XX/XXXX? ). I told XXXX that I had submitted supporting documents to XXXX. He said that the submitted documents would be filed under the new case number. I emailed the documents under the new case number just to be safe ( see emails attached ). I then noticed the email dated XX/XX/XXXX saying that the case was closed. ( Why did I receive the email notification on XX/XX/XXXX when the message is dated XX/XX/XXXX? ) XX/XX/XXXX : I called Citi again and spoke with XXXX to see if the documents had been received at the email address under my new case number. XXXX told me : No, you cant email documents for an appeal. Those have to be sent by mail. He gave me the address and then said No, actually you can fax them to XXXX. He told me to send my documents along with my case number, card number, disputed transaction date and amount, the reason for my appeal and my signature to debit card billing dispute unit. Why did neither XXXX nor XXXX ( nor anyone else I spoke with ) tell me this in my previous calls? Did they even know this? I asked XXXX, How do I know that what youre telling me is even true when Ive gotten so many different answers? I asked him if he could send me the instructions for the appeal process in writing and he said that he could not. Why not? Because they dont exist?
XX/XX/XXXX : I submitted a fax to XXXX as soon as I was possibly able to after being told what I hoped was finally the correct information. I called Citi to follow up and asked to speak with a supervisor. I was connected with XXXX She informed me that I had yet again sent my supporting documents to the incorrect place, and that I should send them to the Client Research Team XXXX XXXX. I again asked How do I know that what youre telling me is even true when Ive gotten so many different answers? and she responded Maam, I am a supervisor. I asked if my documents would be received in time to be reviewed by the Citi Research Team if I faxed them on XX/XX/XXXX and Delight responded that they would because my case would be open until XX/XX/XXXX ( 10 business days ).
XX/XX/XXXX : I submitted a nearly 50-page fax of supporting documents to XXXX.
XX/XX/XXXX : I called Citi and asked to speak with a supervisor. I was connected with XXXX who told me that my 2nd dispute had also been denied and closed and that the documents that I submitted on XX/XX/XXXX were NOT attached to this dispute as XXXX had told me they would be. I asked to receive a copy of the documents used in Citi 's " investigation '' of my dispute as that is my right. She reported that they would be emailed to me ( I have not received them as of the time of this writing ). I asked to speak with her manager and mysteriously the call was disconnected ( not by me ).
I called back again and asked to speak with a supervisor and was connected with XXXX He confirmed that my second dispute had been denied and that my documents had not been reviewed. I told him that I had submitted nearly 50 pages of supporting documents. I asked again where I should send my supporting documents for new case number and he told me " per M '' that the number was XXXX. He said that Citi usually accepts supporting documentation for debit card disputes and not XXXX disputes and therefore why he was uncertain of where to send supporting documentation. I asked him if it would be enough time if I submitted my supporting documents again on XX/XX/XXXX ( as this is the soonest that I could do so ) and he said that it would.
I told XXXX that according to the Consumer Financial Protection Bureau 's XX/XX/XXXX updates to Regulation XXXX, this fraudulent and unauthorized transaction falls under their protection and it is obvious that it is fraud and unauthorized for reasons including ( but not limited to ) : 1 ) This is the largest XXXX transaction I have ever completed ( to my knowledge ) and is outside of my spending pattern. I was outside of my home city ( I live in XXXX XXXX and incident occurred in XXXX ) 2 ) As you can see by my record with Citi, I pay my bills on time and have very good credit 3 ) I do not have any other disputed XXXX charges 4 ) My apartment rent of {$650.00} per month has been a scheduled XXXX payment ( debited on the first of each month ) since summer XXXX ( so it was debited by XXXX on XX/XX/XXXX, the day the {$1800.00} was stolen ). The {$1800.00} that was stolen from me seemed to be a random, uneven amount until I realized that {$650.00} + {$1800.00} = {$2500.00}. Which Ive now learned is the maximum amount that can be debited via XXXX per day from my account. **That is not a coincidence**. Clearly this man was experienced enough at fraud to send himself the maximum amount that he possibly could. Does it really make sense that that would just happen to be the amount that I would send to someone I had never sent a payment to at XXXX in the morning? No. Because I didnt send it or authorize it. He did.
5 ) I called Citi immediately after I noticed the money was missing 6 ) I changed my password immediately because I didnt know if the man who stole from me now had it whereas I dont think I had ever changed my password with Citi before XXXX ) Ive called Citi more than ten times now and spent hours of time and effort trying to recoup this money. I spent over 80 minutes on the phone with Citi on XX/XX/XXXX alone.
8 ) Im a licensed social worker, and theft or fraud are a violation of the NASW Code of Ethics ( the governing body of the social work profession ). To lie about this issue would be me risking my license and career that Ive spent years earning and building XXXX ) I posted about this incident on XXXX on XX/XX/XXXX ( see screenshot ) warning my hundreds of followers about the dangers of letting others near your smartphone, which I was previously unaware of. Many people commented that they would have done the same thing ( ie : allowed someone who claimed to need help to use their phone ) These are not senior citizens who are unfamiliar with technology either.
10 ) I contacted the man who received the transaction to request that the money be returned and filed a police report with identifying information for this person 11 ) I filed a police report immediately after I realized that money was taken from my account ( see the date and time of the initial police report that I later supplemented with more evidence/information ) I would assist in any way necessary to see that this man ( who seems to be clearly identifiable ) is prosecuted ( as I swore under oath on the declaration page attached ) When I spoke with XXXX on XX/XX/XXXX, he asked me if someone had gained unauthorized access to my computer. I answered yes at this time because a smartphone is a computer ( aka the access device ).
I realized then that the way that the question is phrased makes Citi less inclined to rule in the customers favor on such Regulation E issues because most people do not have their laptops ( or other devices traditionally referred to as computers on their person ) and traditional computers are probably less likely to be used as access devices for fraud/initiating unauthorized transactions : ( as apparently is becoming more frequent according to stories like these : https : XXXX # ) As mentioned at length above, this unauthorized transaction falls under Regulation E protection for many reasons.
In summary : Im very disappointed with the way that Citi has handled this. It seems that the dispute and appeal process must be purposefully obfuscated so that customers do not know what to do. In my case, Im a long-time, honest, and loyal customer who always pays on time and have recommended Citi to many others. Im a social worker in healthcare and {$1800.00} is not an amount I can just take lightly. I was trying to help someone who said their phone had died and needed a ride home. I absolutely did not authorize this transaction. This transfer was not sent to the recipient in accordance with my instructions. As you can see in the screenshots, the man at the name and number listed on the XXXX transaction denies even receiving this transaction. If Citi cares about preventing fraud, why does the Citi app not require users to enter/re-enter their PIN ( as a further security measure ) before allowing large sums of money to be sent? This incident would never have happened if this simple change was made. My XXXX is literally more secure than Citis XXXX feature apparently.
I asked to be contacted if Citi needed any more information regarding the case and I have never been contacted to this day. I highly doubt that the documents that I sent once again will be reviewed by Citi, and therefore they have not completed the reasonable investigation required by CFPB. They have yet to furnish the documents that I requested regarding their investigation of my case, and I find it extremely suspect that the steps to the dispute/appeal process are apparently neither known to most/all Citi employees and can not be provided to consumers who request them ( either verbally or in writing ).
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| 09/07/2023 |
Yes |
- Credit card
- Store credit card
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- Getting a credit card
- Card opened without my consent or knowledge
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Web |
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CREDIT CARD FRAUD
WAYFAIR AND CITIBANK - FRAUD, COMPLICITY AND NEGLIGENCE
OVERVIEW
On or about XXXX XXXX XXXX Wayfair | Citi Cards | Citibank N.A. erroneously issued a credit card in my name to a person unknown to me who had apparently hacked an old Wayfair account and stolen personal information. At the same time, Wayfair allowed the fraudster to charge thousands of dollars in merchandise in three orders to be sent to various locations in California
I live in Colorado. I have never applied for a Wayfair credit card, not in XXXX or ever. I have not purchased from Wayfair in several years; the account has been dormant since XXXX, and the associated email address closed. I received no notice about either the credit card issuance or the orders.
The first bogus order was delivered sometime between XXXX XXXX XXXX XXXX XXXX. Wayfair apparently realized that something was wrong and cancelled the second and third orders.
Although the items were delivered to California, the credit card statement, with XXXX XXXX XXXX full amount charged, was mailed to my address in Colorado. Upon receipt around XXXX XXXX I contacted both Wayfair and Wayfair Credit Card (Citibank) to report the mistake, only then learning of the fraudulent card issued in my name and bogus charges. Both entities assured me that they were aware that fraud had occurred, that the credit card account was closed and all charges removed. I was told that no further action was required on my part.
Despite the many unequivocal assurances, I continued to receive statements for the charges, then harassing phone calls, and finally threats of sending the account to collections.
Since that time, I have communicated by phone, email and online chats with no fewer than 35 people, at Wayfair and Citibank and/or Wayfair Credit Card, wasting well over 100 hours in a futile effort to get this remedied.
Over and over, I provide details and wait as agents review the situation. I describe the increasing seriousness of the matter and evolving damages, and plead for a supervisor, manager and/or the corporate office look into the situation.
Ive been told consistently and apologetically, by multiple people in various departments, that errors were made and someone dropped the ball. Each call or chat takes an average of one hour and, though the agents consistently promise that they or another department will follow up until the problem is satisfactorily fixed, and my time, inconvenience and ongoing stress compensated in some way, none of the promised follow-up and rectification has occurred. Worse, they either cannot or will not provide a means for me to reach them again forcing me, except in one brief instance, to start over with each new contact.
The situation is further complicated by having to deal with two (and possibly three) entities who I cant force to communicate with each other. Im, as yet, unsure of the structure of Wayfair Credit Card and Citibank.
Wayfair representatives, when not saying variously that they will correct the errors or that they have already been corrected, advise me to contact MY credit card company (which I have only because Wayfair issued the card in error). Citibank, which confirmed back in XXXX XXXX that the card was cancelled and all charges removed, now states they can do nothing until they get word directly from Wayfair to delete the remaining charges. They will not contact any of the various reps and departments Ive talked to and provide no direction other than to call the number Ive already been calling. I have no way to make Wayfair communicate with Citibank, and the Wayfair reps refuse to provide me with anything written that I might forward. Ive many times requested that both entities open a formal investigation with me in the loop. Even when Im told they will, I hear nothing further except from collections agents who say they cant or wont process any information I give them. There is no continuity or accountability anywhere.
This nightmare has dragged on for almost eight months.
Despite the many promises and assurances, I continue to be harassed (now by letters rather than calls) by Wayfair/ Citibank for payment of now more than $2,000 (with late fees and finance charges).
My credit has been severely damaged, dropping roughly XXXX points from a lifelong high of over 800 to as low as XXXX, I have lost financial opportunities (advantageous phone plans, credit card applications delayed or denied, and favorable loans unavailable), and have spent well over a hundred hours writing and talking to dozens of people, and communicating with the credit bureaus and researching remedies. Heartbreakingly, Ive delayed plans to purchase a new retirement home in XXXX XXXX, concerned about mortgage qualification and terms.
This has caused a tremendous amount of stress, uncertainty and disruption in my life. I no longer have any hope of resolution by working diligently and in good faith with either Wayfair or Citibank.
DETAILS DATES, THE ORDERS, PHONE CALLS, CORRESPONDENCE (CHATS NOT INCLUDED)
Credit card issued on or about XXXX XXXX XXXX with account ending in XXXX.
Wayfair Credit Card (issued by Citibank, N.A.)
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
First statement sent XXXX XXXX XXXX Most recent XXXX statement is XXXX with fees and interest.
These are the three orders taken by Wayfair on or about XXXX XXXX XXXX (they are no longer accessible on the Wayfair website):
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CANCELLED BY WAYFAIR
XXXX XXXX XXXX XXXX XXXX CANCELLED BY WAYFAIR
Addresses listed for delivery of the fraudulent orders (I do not know these people or their locations):
Email: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a statement from Wayfair Credit Card for XXXX. Knowing Id placed no orders with Wayfair, I contacted both Wayfair and Wayfair|Citi Cards, to notify them of the error. Between XXXX XXXX XXXX XXXX XXXX, I spoke to several different people at both entities, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every Wayfair representative confirmed that the company was aware of the fraudulent activity, that all charges had been removed, and I did not need to do anything further. I requested an investigation into how the criminal might have gotten into my account and been approved for a credit card, then been allowed to immediately place orders. I was told a case would be opened.
For their part, Citibank confirmed also that the card had been cancelled and all charges removed.
I received a letter from Wayfair Security Operations dated XXXX XXXX XXXX confirming that the account was closed and that they would investigate the charges. I was unaware then that, contrary to what I had been told, some of the charges would remain on the fraudulent account and I might be held responsible for them.
I didnt receive follow up from Wayfair and, still concerned about how the identity theft had occurred, I called Wayfair again on XXXX XXXX to gather more information. I talked to several reps for most of the afternoon. The first person, possibly XXXX, confirmed that Wayfair knew that the credit card application had been falsified and the three orders fraudulent, that the first order was delivered, and the other two cancelled.
I was transferred to XXXX for a more in-depth review. XXXX went over the status and details surrounding the several orders, including contact information of the fraudster. XXXX had previously been an investigator with a financial institution, and was helpful. She found that the first order had been delivered between XXXX XXXX XXXX XXXX XXXX, (I didnt record the exact day) at XXXX to an apartment building in XXXX XXXX She surmised that the person responsible had the items delivered outside the front door, with a truck of their own waiting for the pickup. The second and third orders were cancelled and never delivered.
XXXX sent me copies of the invoices and cancellation notices (see below), which Id not previously seen, and, consistent with other agents, confirmed that Wayfair knew that fraud had occurred in both the issuance of the credit card and online orders. I asked to be notified if any additional information became available. XXXX said that while it was unlikely that Wayfair would take any further measures to find the scammer, I would not be responsible for any payments or further actions.
Like XXXX, no one I talked to at Wayfair or Citibank expressed doubt that identity theft had occurred or suggest that I might be held responsible for their mistake. I especially did not know that upwards of XXXX in interest and late fees would be charged to me, and that I would start getting collection calls even while the situation was being investigated.
The collection calls began in early XXXX and mostly went to my voice mail. Those on the machine and the several phone calls I took, seemed suspicious especially as I wasnt expecting such contact.
As the number and frequency of contact increased, some daily, I called Wayfair again on XXXX XXXX I spoke with Wayfair rep XXXX XXXX, who stated absolutely that everything from their end had been resolved, that there were no outstanding charges, and that the collection calls most likely were the hacker or other scam. I began to suspect that something wasnt right and, after lengthy discussion, XXXX discovered anomalies in the account(s), said he would have the situation reviewed, and would follow the case until it was resolved. He was the only person in seven months to give me follow-up contact information and with whom I was able to connect more than once. His phone number, however, did not reach him and his promises unfulfilled.
Later, XXXX emailed me that he was unable to reach a person in the fraud department directly (and nor was I allowed to talk to them) and received only a boiler plate response that they would look into the matter and follow up within three months by XXXX XXXX XXXX XXXX continued to assure me that he would follow the case until resolved.
I apologize for all the hassles and inconvenience this has been to you and I want to assure you I am still watching your order and will let you know when the dispute has been worked. XXXX I will continue to monitor this with you until it is resolved. XXXX XXXX XXXX Our email correspondence is provided in an attached document.
Concerned about waiting, while I was receiving collection calls, I contacted Wayfair again on XXXX XXXX, and in another hour-plus phone call, this time with XXXX who I understood was in the fraud department. XXXX confirmed the following facts and errors, as I later reported to XXXX XXXX XXXX Notes showed that I was correct that all charges were to have been removed in XXXX XXXX and the card cancelled. There was no mention of any review, according to XXXX, and apparently none started then.
2. For some reason as yet unexplained, Citibank took the second two charges off but left on the first. This, XXXX said was an error.
3. XXXX also said it was contrary to policy and proper procedure that I was being held accountable for the charges and, worse, getting collection calls; even if a review had been undertaken, the charges should have been on hold.
XXXX told me, candidly, that someone had dropped the ball. She too was not in the right department, but committed to follow up to make sure Wayfair rectified the situation. Though she could not provide me with her contact information to enable direct follow-up, said she would report back to XXXX, who she said was on her team, and I could follow up with him.
I reported this conversation to XXXX, requesting an update, but never heard from him again. Nor did not hear back from XXXX, a different XXXX, or any other department.
Despite all the assurances, mea culpas, and promises to make things right, I continued to get statements from Wayfair Credit Cards and further phone calls demanding payment, even after requests not to be harassed and that the situation be corrected. In early XXXX, I received a letter, again from Wayfair Security Operations, stating that The information reviewed as part of the investigation does not support your claim that this account was fraudulently opened using personal information and that I am responsible both for the account and charges in question. There was no explanation as to how they came to this erroneous conclusion(which contradicted all Id been told) and apparently no way to appeal.
Around this time, I discovered that not only had Wayfair or Citibank sent out the account for collection, but had been reporting delinquencies to the credit unions beginning a steep decline in my XXXX score - a dip already of XXXX points.
I continued to write XXXX XXXX, notifying him of the damages to my credit. I also attempted several online chats which, though extremely time-consuming, were unproductive. One rep advised me to write the corporate office at: ExecutiveResolution@Wayfair.com XXXX Chat with XXXX, Wayfair.) Henceforth, I sent emails to multiple departments: ExecutiveResolution and Service@Wayfair.com, as well as to XXXX XXXX (Emails are provided below.)
On XXXX XXXX contrary to the denial letter I received in early XXXXXXXX XXXX XXXX confirmed in writing that all the charges had been refunded:
Hi XXXX,
I am sorry that you still did not receive any updates regarding the fraudulent orders made from your account. Upon checking, we already issued a full refund to your account. Please be advised to contact your bank directly to investigate.
However, XXXX, like the others at Wayfair, ignored my repeat communication that Citibank (which is their bank, not mine) would not accept my representation of this fact and will not remove the charges until they hear directly from Wayfair.
Then, from XXXX XXXX, I received the following email, again telling me that all charges were removed:
Thank you for reporting to us the suspicious order in your account. The orders XXXX XXXX XXXX XXXX have been successfully canceled. Wayfair takes this type of situation very seriously. We have our specialized team who will investigate this further and make sure to prevent potential risks in your account.
No follow up happened and the statements keep coming. I have asked them to make sure communications are going to the right place but every message I get is from a different person and it seems that there is no continuity of information at Wayfair.
Late fees amounting to XXXX XXXX XXXX XXXX have been added to the total which was then XXXX Delinquencies were reported to the credit unions. My XXXX Score dropped from XXXX to XXXX and my credit rating likewise downgraded, with all associated damages.
Footnote: Today I made a last effort to communicate with the credit card services company; specifically to get access to the Citibank account associated with the card so I might download the statements since XXXX. I never received the card itself, so dont have the security code necessary to register an account. At XXXX, I called the number located on my XXXX XXXX XXXX, and spoke to XXXX XXXX XXXX XXXX After an extensive period of time verifying the account, XXXX informed me that the account was in review, and so she could take no action and I would have to call back in a week. I said I only needed copies of the statements and/or assistance accessing the account. I also reminded her that Id been calling for seven months so what could I expect to happen in a week. She said the conversation was going nowhere and she would have to hang up. I agreed and asked to be put in contact with a supervisor and/or whomever was undertaking the review. She said the shift had ended at XXXX and there was no one else I could talk to, nor could she tell me what the review entailed or how long it would take.
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| 08/16/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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In early XX/XX/XXXX, I began the mortgage application process with XXXX XXXX to refinance my home. I currently have a line of credit only on my home and it comes due soon and the payments almost tripled in XX/XX/XXXX ( due to having to start paying down the principle now ) so I need to refinance my home as soon as possible. In the course of working with XXXX, they started to collect my financial information and ordered copies of my credit reports so they could review my credit history. Within a few weeks of starting this process, I became aware of quite a few items on my credit report that did not belong to me ( including several addresses, a second social security number, and a Home Depot store credit card account ) and so I set about trying to clear up these false items so that I could move forward with the mortgage through XXXX.
I want to say that I have not needed to access my credit reports until now because I never before now had an issue when I ( or my ex-husband and I ) went to obtain a mortgage or apply for credit. So, it is only since mid XX/XX/XXXX that I discovered all of these inaccuracies on my credit reports. In addition, the credit reporting agencies could not tell me how long Home Depot had been reporting to my credit history. Its possible they only just started recently in which case, I would not have been aware of this gross violation and, essentially, identity theft.
XX/XX/XXXX I started calling the credit reporting agencies XXXX, XXXX and XXXX. As I am sure you are aware, trying to communicate with the credit reporting agencies to clear up wrong information is a circus at best. I could not get answers about the erroneous information on my reports but was told they would " look into it '' and told me to fill out my complaints online. After many MANY emails, phone calls and filing complaints online over the past 8 weeks, I have seen very few changes to my credit reports. I found out that the item that is causing the most harm to me is a credit card account that was titled " THD/CBNA '' which took me some time ( and many phone calls ) to learn that it is a HOME DEPOT store credit card that was opened in XX/XX/XXXX by XXXX XXXX and that he used me as a named co-signer/joint card holder when he opened the account. The Home Depot card shows that there is {$9400.00} owed and currently has an {$11000.00} line of credit. The account is in good standing. No late or missed payments. However, the amount of this debt and revolving credit on my credit report is preventing me from being able to refinance my home. Additionally, the erroneous addresses, social security number and other accounts all belong to XXXX XXXX ... not to me.
XX/XX/XXXX After receiving and going over my credit reports, I called Home Depot on XX/XX/XXXX ... in fact, I called and called and called trying to get someone to help me. I was told over and over that they couldn't do anything without an account number ( and, even though HD is holding me responsible for this account, they would not share the account number with me. ) When I did get someone that didn't harass me about not having the account number, those customer service people would tell me that too much time had passed and that there was no way they were going to take my name off this account or off my credit report or else they simply told me I was " crazy '' to think that was possible after 18 years. I explained that I simply had no reason to look at my credit report before now and that I cant even be sure when Home Depot started reporting this to my credit report. I have had very few credit dealings until recently ( I had no credit cards and mortgages were with my ex-husband who handled the house financing, etc while we were married ). I asked them was this their policy? Was there a statute of limitation on investigating fraud?? I told them all about how this man ( XXXX XXXX ) who stole my information was an unsavory man in my past abusive and sneaky and I wasnt all that surprised to find that he had stolen my personal information 18 years ago since he was XXXX XXXX me back then. They simply said over and over they could not help me. I persisted..
I asked them to close the account. They refused. They said it wasnt mine to close.
I asked them to send me a statement. They told me that they could only send statements to the address on file and they would not share that address with me.
I asked them to send me the original application for credit so I could have the opportunity to review the signatures and prove it isnt my actual signature on it. They said that was impossible because they dont have those documents after so much time has passed.
I asked them what the OPENING credit limit was that I was supposed to have agreed to be responsible for. They said they didnt have access to that information.
I asked if they would ordinarily open an account for someone who little or no income at the time with a credit limit of {$11000.00}. They said they no, that was unlikely.
I asked them to show me paperwork where I agreed to continue to take responsibility for the increasing line of credit. They said they couldnt do that.
I asked them why I never received a card with my name on it or ANY statements EVER if I am a supposed to be a joint card holder. They didnt know the answer to that question either.
When I asked to speak to a supervisor or someone who handles fraud, they told me that there were " no phone numbers for those people '' and that I could only write to them and explain my reasons for wanting my name removed from this HD credit card debt and off my credit report. So I wrote the letter. On XX/XX/XXXX I mailed a letter ( I have included a copy with this complaint ) explaining all of this again to this address that they gave me ( where I was told they take no phone calls ) : Executive Response Unit ( ERU ) Presidential Communication XXXX XXXX XXXX XXXX, TN XXXX I never heard from anyone at the ERU.
XX/XX/XXXX XXXX XX/XX/XXXX, I called Home Depot ( and called and called and was transferred many times again they couldnt help me not without an account number ( which they would still never give me because I was not the card holder, etc ) because too much time had passed ( even though they could not provide me such a policy in writing ). I was even told that they had never had a complaint like this before. Really? No one has ever been falsely used as a co-signer on a Home Depot card? Ever? ( It all felt like the movie XXXX XXXX where the medical insurance company made it their policy to deny claims ... EVERY claim EVERY time. ) After finally getting someone on the phone that day who COULD pull up my file and notes ( XXXX in the Security Operations Dept. ) and she told me that she did not see that I sent any sort of letter to them but she COULD see all the notes about my calls and complaint and that there was indeed an investigation. She said that the fraud investigator made notes that he spoke with Mr. XXXX and determined that there is no fraud. It is, in fact, Mr. XXXX card.
At that point, I was beside myself. I explained to XXXX that I wasnt disputing that this might be XXXX card I was disputing that I am named as co-signer and joint card holder when I NEVER AGREED TO BE NAMED ON ANYTHING WITH XXXX XXXX. I begged XXXX to help me and hear me out again. XXXX said she wanted to help me and she took down my whole story, I explained to XXXX that this credit card on my credit report is a mistake. I told her ( as I have told at least 15-20 of the 1900 customer care representatives who work for Home Depot Credit Services ) : I have never applied for a Home Depot card.
I have never had/held a Home Depot card.
I have never charged anything at Home Depot on a Home Depot credit card.
I have never received any notices from Home Depot.
I have never received any bills or statements from Home Depot.
I have never paid a Home Depot bill on behalf of someone else.
I never received notice of the application.
I never received notices of increases to the line of credit.
XXXX XXXX had clearly used my name and social security number to open an account that I had not only never agreed to, but also didn't know anything about until now.
I went on to explain to XXXX that I had a few dates with XXXX XXXX in late XXXX XXXXearly XX/XX/XXXX but quickly realized that he was not a good guy and stopped seeing him. He was very sneaky and I had discovered he lied about almost everything and so I found him to be mentally unstable and scary and so I didn't want to date him any longer. When I broke it off, he was fine at first, but later started to stalk me at work and at my home. ( Although, for some time, I didn't know it was him. ) I also was receiving harassing phone calls at all hours and felt, on several occasions, that someone had been in my house while I was at work. It seemed that things had been moved around but I couldnt prove that anything was missing. At one point, my purse was stolen from my car behind the mall where I worked. Again, I didnt know this was all XXXX XXXX until many months later.
I found out in early XXXX that I was pregnant. I had been trying to get pregnant by artificial insemination by donor for 18 months so I was not about to terminate this XXXX even though, at that time, I could not be sure that XXXX XXXX wasn't the father.
I realize that this sounds like a wild story, but it is all true. After my baby was born in XX/XX/XXXX, XXXX begged to be a part of our daughters life and so I made an effort to have a PLATONIC relationship with him for the sake of our daughter. At that point, I didnt know then that XXXX was the one who had been stalking and harassing me. He moved in with me while he looked for a job and a place to live closer to me and the baby. But things quickly went downhill. ( I have attached relevant police reports. ) I went through a lengthy custody battle with XXXX and, after his XXXX evaluation and after I submitted to the court a videotape that I found that next spring of XXXX XXXX our XXXX XXXX old daughter, the judge stripped him of his parental rights and I was able to get on with my life. XXXX XXXX is not a good person. At least he was not a good person back then. I learned during the custody battle that he was the one stalking and harassing me for over a year. I NEVER OPENED A HOME DEPOT CREDIT CARD WITH XXXX XXXX.
XXXX was the first person to help me at Home Depot Credit Services. In fact, XXXX was the first person to even be kind to me. She said she took down all of my information. She gave me a case number ( # XXXX ) and told me that she would make sure my complaint got into the right hands and that I should hear from someone within a few weeks. XXXX suggested that I try to gather any supporting documentation that would help my case and fax it in to them. She gave me a fax number and stipulated that I put the case number on EVERY page.
I asked XXXX to please PLEASE put something in writing that I could show to the broker at XXXX so they would see that I was working on removing this erroneous debt from my credit report. At first she said she wasnt allowed to do that but that she would try. She called me back 45 minutes later to tell me that she was drafting a letter and putting it in the mail that day. A few days later, I received that letter stating that HD was investigating the account in question and that, if they found I did not apply for this credit card, they would request that it be removed from my credit reports ( see attached copy ). I was on the phone with HD for over and hour and a half that day.
I really thought I was finally making progress. I set out that day to gather the copies of police reports, custody suit results and more. That, of course, also took weeks.
XX/XX/XXXX I never heard anything more from Home Depot Security Services but I finally had the police and court records in hand, so I called Home Depot on XX/XX/XXXX to check in on the progress of the fraud investigation and make sure they had received the 19 documents I had just faxed to them. After 4 calls of getting nowhere ( with the I cant help you without the account number, maam, and dont care if you have a case number we cant use that to look up your case, and its too late, we cant help you you realize its been 18 years?! AGAIN ), I got XXXX on the 5th try. XXXX told me that nothing was happening with my case because it was submitted to the WRONG fraud team. ( OMG!!!! ) She said it should have gone to the high dollar investigation team and that she was going to get it to them and re-open the case. She also said that she did not see the fax and I should send it again. Apparently, my fax machine wasnt working correctly, so after work that day, I went to XXXX and faxed the documents again. I did call them the following morning and they confirmed that they had received the faxes.
Again, I waited weeks for a call from Home Depot, but heard nothing.
XX/XX/XXXX On XX/XX/XXXX, I went through the usual number of unhelpful customer service representatives until I finally reached XXXX who very cheerily told me that she had my file in front of her and that the fraud investigation team had been working on it and that I should have a determination very soon and that someone from the fraud team would call me within 1 to 2 days.
No one called me.
I took a break from this Home Depot nightmare and was on vacation with my children from XX/XX/XXXX to XX/XX/XXXX. But I had my cell phone with me at all times and Home Depot never did call me. I hoped there would be a letter waiting for me when I returned home with the fraud investigation results. But there was nothing.
XX/XX/XXXX I called Home Depot again and got XXXX who insisted that she couldnt pull up my account ( naturally ). I called back and got XXXX who said they dont use case numbers. I called again and got XXXX who just hung up on me when I started begging her to ask her co-workers how to look up my complaint with a case number ( assuring her that it had been done before ). Then I finally got XXXX who said that there was no record of an investigation in my file. He said that the fraud team there doesnt handle this sort of dispute and that I would have to write a letter to the ERU. They dont have phones so he, therefore, cant connect me to the ERU. They cant, of course, accept faxes because they have no phones. And they do not accept emails. They only take complaints in writing. I told XXXX that I wrote to ERU back in XXXX and never heard from them. He said I should give it time. I told XXXX that my mortgage payment has tripled and I cant afford it and I am going to lose my home if I cant get some help with this fraud on my credit report so that I can refinance my home. He then told me there was nothing else he could do.
XX/XX/XXXX I tried. I truly tired to find a way to reach the powers that be at Home Depot Consumer Credit Services and beseech someone to help me. I have spent hours and hours on this taking time away from my work and family. It has been a nightmare. Now I am paying three times the amount I can afford for my house payments because I am unable to complete my refinance until this Home Depot card is removed from my credit report.
It seems that XXXX XXXX has always been on time with his payments to this card debt. And, given the fact that he has made all of the purchases and payments over the past 18 years, I do not understand why Home Depot will not release me from this debt.
I called Maine Consumer Protection in XXXX and they were very helpful but said that Home Depot is run by Citibank and Citibank is regulated differently and I should contact the Consumer Financial Protection Bureau ( CFPB ) and so here is my story.
I am attaching all relevant letters, cell phone records of my many calls to HD, police reports, court documents and any other relevant information. Thank you.
|
| 12/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I accepted an employment position XX/XX/XXXX with a company called XXXX XXXX. A position where I would train for a month and then become full time employee as a XXXX XXXX. I was training every day with my supervisor and because I was doing well with my studies I was ask by him and corporate if I would assist them in purchasing products with pay for their XXXX office. They would provide me a corporate bank account to pay for the items purchases through my credit card. I had no idea that what they were asking me to do would not only result in bank fraud-robbery but also employment and mail fraud, according to XXXX County Sheriff department when I filed a complaint. There was premeditated fraud to rob any bank through false employment. I have contacted Citi Bank several times once I found out I was part of fraud. I would only get the " front '' line reps even though I asked for the Fraud Department and a manager of this department, all I was told was I would get a call from someone in this department. I never received a call from their fraud department or any manager to discuss this horrible situation. I called Citi Bank to get the address for this department to mail a packet with this letter and documents to show them I am a victim of bank fraud. I found out I was given a non-existent address from the rep on XX/XX/XXXX when I went in to mail the packet on XX/XX/XXXX. I went online to find a real address to get it mailed and it was delivered with confirmation on XX/XX/XXXX.
Below is my letter to Citi Bank describing the fraud that happened to me.
XX/XX/XXXX Citi Bank XXXX. XXXX XXXX XXXX, MD XXXX Customer Service XXXX/XXXX Fraud Department XXXX Re : Fraud Reporting on Acct # XXXX Citi Aadvantage Card To Whom It May Concern : I am writing this correspondent as the several attempts I have made to contact Citi Bank via phone XXXX has gotten me nowhere. If you really do have a fraud department I do not understand why no one from this department has not contacted me on this matter from the first time I called on XX/XX/XXXX and as of the mailing of this letter. I thought time would be of essence when reporting a crime and this doesn't seem to be any concern of Citi Bank. I am concerned. My credit is excellent and I'm in a position to where it can be compromised because of this fraud.
I was interviewed and hired with XXXX XXXX as a XXXX XXXX, where I agreed and signed an employment contract to be trained the first month as an XXXX XXXX to finance-lease equipment. I would train and work remotely from my home until an office opened in XXXX, Az. Once training was completed, I would be hired full-time as an employee for XXXX, per the agreement I signed.
People Involved : XXXX XXXX - XXXX XXXX XXXX, XXXX, MA XXXX - Web : XXXX Working Hours : XXXX XXXX ET - XXXX XXXX ET XXXX XXXX, Regional Manager- Special Projects Department Contact Number : ( XXXX ) XXXX XXXX ( cell ) XXXX XXXX XXXX | Senior HR Manager XXXX XXXX XXXX HR Department XXXX , MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HR Manager XXXX XXXX XXXX HR Department XXXX, MA XXXX XXXX XXXX XXXX XXXX Mr. XXXX XXXX Head of Finance Department XXXX XXXX Senders CA Office Info : Mr. XXXX XXXX , Requisitioner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX In my interview and email correspondence, XXXX was setting up an office in XXXX-XXXX, Az area where eventually an office would be set up in XXXX. I signed the contract and started training the first week of XXXX. As I continued to progress and do well in my daily training I was asked if I would be willing to purchase office equipment for the XXXX office for additional compensation. I did not expect to be requested of this task. I was doing well on my studies so I agreed to assist them as I was communicating with my supervisor on a daily basis and everything was professional as any previous position I have had in the past. I was provided everything in writing and instructions to set up a XXXX XXXX XXXX XXXX corporate account XXXX and routing number XXXX to pay for the items as I purchased for them. I was authorized to spend up to {$14000.00} not exceeding {$7000.00} in purchases per day ( see XXXX Banking Instructions enclosed ).
Per email conversations with my supervisor and provided instructions ( enclosed ), I would transfer amounts to my card then purchase the items on the Purchase Orders provided starting first with a balance transfer to bring my credit card to a XXXX balance. I was told I could use any card as long as it was credit and not a debit card at which I used my Citi Aadvantage card for these purchases. This was to be a clean wash ; I would transfer money from the XXXX XXXX corporate account I was provided and at the end the final transfer would be the total that would bring my credit card balance back to the way it was before these purchases occurred.
I was instructed to bring my credit card account to a XXXX balance with a first transfer, which was successful. And once that payment posted I was instructed to go ahead and purchase the first set of items that was on the purchase order they provided to me.
Corporate Card and Purchases - Time Line of Activity : XX/XX/XXXX Added Corporate Account to my Citi Aadvantage card profile XX/XX/XXXX Processed balance transfer of {$2100.00} to bring card to a XXXX balance XX/XX/XXXX Citi Aadvantage card email notice : Received Payment Confirmation of {$2100.00} XX/XX/XXXX Citi Aadvantage card email notice : Payment Posted {$2100.00} XX/XX/XXXX Purchased 1st lined items on PO - XXXX ( 2 ) {$2100.00} and shipping to office of {$88.00} = {$2200.00} XX/XX/XXXX Processed balance transfer of {$2200.00} with success of processed payment XX/XX/XXXX Purchased 2nd lined items on PO - XXXX ( 2 ) {$2900.00} and shipping of {$130.00} = {$3100.00} XX/XX/XXXX Citi Aadvantage card email notice : Received Payment Confirmation of {$2200.00} XX/XX/XXXX Citi Aadvantage card email notice : Payment Posted {$2200.00} XX/XX/XXXX Went online to do a balance transfer of {$3100.00} as I had instructions to process a second purchase order. - Per the purchase order provided there were four items on the order two XXXX and two XXXX.
I purchased the two XXXX first, once purchased I was authorized to make a XXXX XXXX transfer to my Citi Aadvantage card to pay for these items. Once the payment posted, I was then instructed to go ahead and purchase the two XXXX of which I did.
Items Purchased : 2 XXXX : {$2100.00} XXXX {$88.00} Tracking : XXXX 2 XXXX : {$2900.00} XXXX {$130.00} Tracking : XXXX Shipped to : Mr. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Total of Fraudulent Charges : {$5300.00} After purchasing the XXXX I went online to my Citi Aadvantage card account to make a bank transfer as I was provided a second Purchase Order to purchase additional supplies and that is where I discovered that one of the two payments posted was retracted, where the first transfer done on XX/XX/XXXX was returned. I was confused on the current balance of my credit card as it should have reflected the two payments I transferred from the XXXX XXXX XXXX account.
XX/XX/XXXX, I immediately contacted Citibank to find out what was going on and how a payment posted could be retracted as I have never seen this before and didn't understand why this was happening. I was told by a Citi Bank representative that I was not authorized to use the XXXX XXXX XXXX corporate bank account provided to me. I told the representative that I did have authorization and had it in writing. I was told to contact the company that provided the bank information of which I did. I called and sent an email to my supervisor Mr. XXXX, to see what the problem was, I still didnt understand how payments could be processed and confirmed but now be retracted. I didnt receive a call back or a reply to my email sent on XX/XX/XXXX from my supervisor. By not responding, since I had been communicating with Mr. XXXX for weeks, I then realized that this was not only employment fraud it was internet bank fraud robbery and mail fraud. I now realized as well I was not even training for a position or will be paid and that I was unemployed again now damaged financially from this crime.
On XX/XX/XXXX, I contacted Citi Bank immediately again and spoke with a representative XXXX. I spent almost an hour on the phone where I provided as much information I could for her to forward to Citi Bank Fraud department. She told me the fraud department would be informed and would contact me the following week for additional information as it was Friday afternoon when I called. After speaking with XXXX, I contacted my local authorities ; XXXX County Sheriff 's department to file a crime report. After speaking with the deputy that took my report, he recommended that I contact XXXX as this was not only internet bank and employment fraud it was also mail fraud. I have also contacted and filed a report with the FBI and Federal Trade Commission as this is employment fraud, internet bank robbery fraud and mail fraud. I have also supplied information to XXXX XXXX XXXX Bank as they are involved as well and the 3 credit bureaus. I also contacted XXXX to see if they had some way to prevent activation through the serial, Part or IMEI numbers and alert phone companies such as XXXX, XXXX, etc. But they didnt care ; all these numbers and none to assist in stopping fraud or crimes.
On Tuesday XX/XX/XXXX concerned no one had contacted me from Citi Bank Fraud dept. I called again and just got the runaround. No one would transfer me to the fraud department. Does Citi Bank not take fraud seriously? I don't understand why no one has contacted me about this issue and why I was not transferred to the fraud department. All my other banks have a fraud department ; they mention it when waiting on hold.
I called Citi Bank again on XX/XX/XXXX to ask for a physical address to forward this letter and corresponding documents to Citi Bank fraud department and I was only provided a PO box address ( which is not trackable ) but was provided a Fraud Department phone number XXXX. Why this was not provided to me on XX/XX/XXXX or XX/XX/XXXX is beyond me. As you will see in the history of my use of this Citi Bank Aadvantage card that I have had for over a year, I have never had a high or exceeded balance ever. I rarely charged items to this card in the past year and never missed a payment or defaulted. Now my card is over the limit, it is under default of payment because of this fraud. I can't even wrap this around my brain how individuals can even do this to anyone and I am shocked that not only have I been damaged with my credit I am not employed and been training for nothing. How XXXX XXXX.
I had no idea this was fraud until I went online to make another transfer to my card with the XXXX XXXX XXXX XXXX account provided to me for the for the items purchased on their behalf. Apparently from the beginning of my hiring I guess, this was a premeditated plan to steal through false employment. To hire, to deceive, and to use a bank account and routing number to falsely pre-pay for items in using others to purchase for them through an employment contract and professional documents that appeared to be legitimate and legal. What I dont understand is how payments posted and confirmed if this was not a real bank account.
Financial institutions have way more resources then I do to prevent crime. I have no resources to be able to find these criminals. I have done the best that I know on what to do in a situation like this since this has never happened to me before. I have contacted every entity involved in this crime and filed police reports, maybe one day these criminals will be caught or to help prevent another individual in getting scammed as I have experienced.
I need your assistance in moving forward. This has been very stressful and your lack of assistance has not helped me with this horrible position I've been put in and the stress you have added to this situation. Every harassing phone call I have received the past three weeks from Citi Bank starts out saying. " Thanks for being a part of the Citibank family '' this is how you treat family? You just blow me off when fraud is reported and continue to harass daily for payment? If I was XXXX or mugged or any other crime, my family would have helped me.
So where do we go from here with my account? When I called again on XX/XX/XXXX and could not get XXXX and had to speak to one of your incompetent rude reps ( you should see who I spoke with on this date per your phone logs ), she kept putting me on hold to research, told me there was nothing on file about my call to XXXX and then mentioned to me that they can't go after XXXX which confused me because I don't know why you would. You should be talking to XXXX XXXX XXXX XXXX about this since both banks are both involved with this criminal activity and you have unlimited resources on how to prevent crime more than an individual citizen has. Why you have no record of me speaking to XXXX on XX/XX/XXXX is beyond me as well. Since the past year I have never had the need to contact Citi Bank as I paid my statement every month, hoping by being employed now I would be able to pay the balance down or off. So now that I have had to contact Citi Bank, its been a pretty XXXX horrible experience. You need better customer service.
Though I enjoy working from home, never again will I accept a remote position. I now face losing my house that I have lived in for 16 years because of this internet bank robbery, employment, mail fraud scam as I am still unemployed with this trauma hanging over me.
What is going to happen here? Am I going to be hanged for this crime that I had no idea I was a part of or will my Citi Bank Aadvantage card be restored to the way it was before this happened? These purchases are not mine, not in my possession and in no way did I know that a payment transfer could be confirmed paid then retracted after notice of payment posted. I have provided all the information I have to show that I am innocent in this situation as I thought I was working for a company that provided an authorized bank account to pre-pay my account as these items were purchased. I believed these transfers coming from XXXX XXXX XXXX XXXX were legitimate from the confirmations I received from Citi Bank.
Fraud should be a financial institutions most high importance to prevent and I am shocked how Citi Bank has yet to assist me with this crime or even be interested how an entity can do this and get away with it. This is Pre-meditated Internet Bank Fraud, that should be of concern, do you think the local authorities and FBI can handle all the crimes of our country without your or my help? How easy it is to scam a person searching for and needing employment, than to put on a mask, have a gun and go rob an actual bank?
I wait for your response via email or phone call, my contact information is below.
Respectfully, XXXX XXXX Enclosures : XXXX XXXX Info Instructions XXXX XXXX Transfer Example XXXX PO Letter Citi Bank Payment Confirmation Notices XXXX County Sherriff Dept. Letter FBI Complaint Filed Doc FTC Complaint Filed Doc XXXX Email Correspondence XXXX Company Info.
CC : XXXX County Sheriff 's Department Case # XXXX Federal Bureau Investigation ( www.iv3.gov ) Complaint Filed Federal Trade Commission Report # XXXX XXXX Case # XXXX XXXX XXXX Dept. Called and Emailed XX/XX/XXXX XXXX XXXX Corporate Headquarters XXXX XXXX XXXX, XXXX OH XXXX XXXX Checking and Savings Customers XXXX XXXX Fraud Victim Assistance Dept.
Consumer Fraud Division XXXX. XXXX XXXX XXXX, GA XXXX XXXX National Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX XXXX Fraud Victim Assistance Dept.
XXXX XXXX XXXX XXXX, PA XXXX
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| 04/03/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/XXXX Consumer Finance Protection Bureau Case # XXXX Request for re-investigation due to inaccurate and/or incomplete findings I am writing to dispute Citis determinations about my complaint in Case # XXXX and to request re-investigation. For reasons I demonstrate, Citis investigation is inaccurate and incomplete such that the conclusion is inaccurate and unjust. The purpose of my complaint is to stop Citi from pursuing me for a debt that I am not responsible for. I also wish to stop the aggressive credit-damaging tactics Citi is using to force me to pay a debt that I am not responsible for.
DISPUTE SUMMARY I directed Citi to permanently close my account on XX/XX/XXXX, XXXX and again on XX/XX/XXXX All legitimate debts were paid in full before I terminated my relationship with Citi . All disputed transactions are unauthorized. All were reported by Citi to me and by me to Citi as fraudulent. Nearly all disputed transactions were incurred after Citi was directed to close the account. Instead of following legitimate instructions, Citi acted on its own accord and opened a new account and failed to protect it. Citi opened an unauthorized account and allowed fraud to accumulate inside it. Citi came up with a new classification, denying the existence of fraud. Nonetheless, a finding of fraud is not needed to support my case.
Now Citi is using intimidation, devastating my previously perfect credit score, to force me to pay a debt that is clearly not my responsibility. I acted 100 % within my rights as a customer receiving unacceptably lousy service when I instructed Citi to permanently close my account. Citis failure to close the account is 100 % Citis doing, not mine. Leaving the gate wide open to continued fraud is Citis doing, not mine.
Citi was demonstrably unable to provide me with trouble-free credit card services and unable protect me from known and repeated fraud. This, plus the fact that I made over 20 attempts to update my contact info with them, and was unable to get any help led me to direct Citi to permanently close my account. Frankly, given Citis repeated poor performance, I could see no other option to stop the fraud and end the headaches associated with Citis faux-security program. I paid my bill and I fired them. That should have been the end of the story. Sadly, Citis ignored my clear instructions, then went on to open an unwanted account in my name and leave it open and unprotected from the very same fraud. Citi allowed unauthorized transactions to accumulate on an unauthorized account. Now Citi is coming after me in an unjustified and aggressive manner that devastated my previously perfect credit score and left me begging government agencies for help.
Citis XX/XX/XXXX investigation is incomplete and inaccurate. As such, it comes to a conclusion that is not supported by facts. In spite of Citis own written communications and security behaviors to the contrary, now, without any basis whatsoever Citi claims the hundreds of unauthorized XXXX transactions are not fraudulent. Though I disagree, my case does not rest on finding the transactions to be fraudulent. In addition to being fraudulent, the disputed transactions and fees took place on an account that Citi was instructed to permanently close, after the date that the account was to be closed. Citi disobeyed clear instructions, then opened an account in my name and left it wide open to fraud. I am not responsible for unauthorized debt incurred after Citi was instructed to permanently close my account. I am not responsible for fraudulent debt that was reported on multiple occasions, using Citis own security procedures.
Between XX/XX/XXXX and XX/XX/XXXX, Citi demonstrated over and over again that they are unable to protect my account from repeated unauthorized robotic transactions by the same offending vendor, XXXX XXXX ( XXXX ). Despite their new position that the claims are not fraudulent, Citi themselves identified XXXX to me as fraudulent on multiple occasions. Whenever Citi asked me to confirm that the transactions were from an unauthorized & unrecognized vendor, I complied. Citi would then block and cancel my card in an attempt to protect it, but then Citi would allow the same un-authorized transactions to occur again. Hundreds of times. Given the poor level of service, I made a decision to fire Citi. Citi refused to follow my instructions. Yet Citi offers no basis, legal or otherwise, by which they can force an unhappy client to be their customer.
Citi implies that I am responsible for these newly classified transactions, yet Citi has not met their burden of proof. I never authorized any of the hundreds of disputed transactions. Citi offers no proof claiming otherwise. Citis position that I am responsible for the transactions is not supported by any evidence whatsoever.
Citi bases their inaccurate conclusions on a false claim that I requested a security closure that prevented them from closing my account. Citis statement fails on 2 counts.
Citis claim that I somehow asked to be plagued by the headaches associated with another useless round of security theater s untrue and does not hold up to the mildest of scrutiny. The truth, available on Citis recording of the session, is that on XX/XX/XXXX and again on XX/XX/XXXX I directed Citi to permanently close my account and begged Citi *not* to send a new card or to engage me in yet another useless round of security theater that had shown itself completely ineffective at achieving account security. Recordings amply demonstrate that my version of events is accurate and that Citis attempt to blame me is false and untrue.
The recording also captures what I interpreted as a threat by the XX/XX/XXXX XXXX. There is plausible deniability around her words so my observation might not hold up in court. Yet the unjustified attack Citi has launched against me is remarkably similar to what she threatened.
My instructions were clear and unambiguous. Even a biased investigator would find it hard to conclude that I asked for the account to remain open when I so clearly intended to close it. Given the nonsensical conclusion and the possibly threatening behavior of the XX/XX/XXXX customer service rep, it is natural to wonder if perhaps the investigator was misled or dissuaded from reviewing the available documentation that shows my version to be accurate. Regardless of how the erroneous conclusion was reached, contemporaneous notes and recordings from XX/XX/XXXX support my version of events, while also demonstrating that Citis version is inaccurate. Citis reliance on this false statement is deeply troubling. It raises questions about whether other aspects of Citis investigation can be trusted.
Second, Citi claims they could not close my account because a security process was underway. Citis claim that their hands were tied is false in that it ignores the fact that computer over-ride procedures surely exist. More to the point, even if Citis CSR took an action that prevented my account from being closed at the time of my request, Citi fails to explain why they did not close the account later, once the unwanted security process was complete. Citi offers a poor excuse, yet not a single legitimate explanation as to why they ignored my instructions to close the account or for why Citi then went on to directly disobey my instructions and open an unwanted account in my name, only to leave it wide open to continued fraud.
Nothing but Citi stopped Citi from permanently closing my account in a timely manner. I am not responsible for Citis refusal and/or failure to follow my instructions. I am responsible to pay my debts, which I did. I am not responsible for Citis challenges following clear instructions providing customer service and / or security. There is no basis for Citi to force me to be a customer against my will. Citi operated in an unauthorized manner when they opened an account in my name.
Citi acted on their own accord and disobeyed my clear, direct and legitimate instructions. Without my authorization, Citi opened an unwanted account in my name. They mailed an unwanted card to an address Ive reported to them, upwards of XXXX as both wrong and unsafe. Then, after creating this security risk, and without waiting to verify my identity using their activation process that is supposed to protect me, Citi allowed new fraudulent charges to accumulate on the account. The unwanted card was never activated. Ive never seen it. I do not know the account number. I am prohibited from discussing it with Citi. Now Citi wants to blame me for their outrageous offenses against basic customer security. All charges on the account are, by definition, unauthorized. I am not responsible for them.
I never received or activated the latest card nor have I ever had access to the account or even to Citi CSRs to discuss the account. As noted above, without the account number, Citis security protocol prevents me from speaking to them about the account. My position is that I am not responsible for any charges, fraudulent or legitimate, that were incurred AFTER I directed Citi to permanently close the account. I am not responsible for charges to an un-activated account. Any such charges are, by definition, unauthorized and not subject to collection.
Citis own actions and inactions created this unwanted account. Then Citis ineffective security procedures opened the door to additional fraud. Now Citi is intimidating me in an unjustified attempt to collect approximately {$300.00} in transactions that would not even exist had it not been for Citis own actions and inactions in this case. The devastation created by Citi is unjustified and is out-of-proportion to the size of the debt.
I have never knowingly done business with XXXX, never authorized any transactions with XXXX. I have no pattern of purchasing similar products or in similar patterns. Screenshots from XXXX XXXX confirm that I never ordered from them in the past and never placed *any* card on file with them, let lone the current one. Citi offers no evidence that I ever authorized any of the hundreds of fraudulent, unauthorized, robotic XXXX transactions. Citi has not met their burden of proof.
In spite of Citis new and surprising claim that the disputed transactions are not fraudulent, there are ongoing television news stories showing that XXXX is associated with a credit card scam similar to the scam XXXX transactions Citi keeps allowing on my account. Citi offers no explanation or support for their new classification. This, along with Citis own previous statements, notifications and behaviors that all treated XXXX as fraudulent, raises questions about the basis for Citis new classification, its accuracy or where it came from. It is unclear if Citi hopes to apply their new classification to the billions of unauthorized XXXX transactions among their other clients, or if this new classification was developed solely as an investigation tactic related to my account. Regardless of whether Citi is applying this new unsupported classification fairly, across the board or solely to me, my case does not rest solely on a finding of fraud. Disputed debt consists solely of transactions that Citi previously identified to me, and I then confirmed as fraudulent plus fees that Citi charged me after I twice directed Citi to permanently close the account. My position is that I am not responsible for any of these charges.
Citi makes false claims, yet fails to demonstrate the inaccuracy of any of my claims. Citi has not shown any proof that I ever authorized the disputed transactions. No such proof exists. I am innocent in this matter. Citis investigation is inaccurate and incomplete and comes to a false and unjustified conclusion. Citis
devastation of my credit score is intimidating, damaging and unjustified.
Nearly all of the disputed transactions took place in the XXXX period AFTER XX/XX/XXXX, when I first directed Citi to permanently close my account. Citi claims that I somehow asked to be plagued by the headaches associated with another useless round of security theater. The allegation is both untrue and does not hold up to the mildest of scrutiny. The truth, available on Citis recording of the sessions, is that on XX/XX/XXXX and again on XX/XX/XXXX I directed Citi to permanently close my account and begged Citi *not* to send a new card or to engage me in yet another useless round of security theater that had shown itself completely ineffective at achieving account security.
My first position is that I am not responsible for unauthorized charges that both Citi and I had previously identified and reported as fraudulent on multiple occasions. My second position is that any charges accepted AFTER Citi was instructed to permanently close my account are unauthorized and not subject to collection. My second position does not rest on a finding of fraud.
The only thing stopping Citi from permanently closing my account was Citi. Citis claim that a computer can not be interrupted implies that there is no such thing as a manual over-ride in a computer system. This is difficult to find truthful. Additionally, IF it was true that the process could not be interrupted, then Citi also fails to explain why they did not close my account once the unwanted process that Citi initiated was complete. Citis excuses do not explain why they did not implement my instructions once the process that they had instigated against my wishes was complete. In the absence of a legitimate basis for refusing to close my account, Citi was obligated to close the account. No such basis has ever been stated, either at the time my instructions were given or now, in Citis XX/XX/XXXX letter.
Citis misguided pursuit of this debt is aggressive. Even if I was guilty, which I am not, Citis punishment far outweighs the alleged crime ( I stand accused of failing to pay < {$300.00} in fraudulent and/or unauthorized debt ). Citis damaging lies related to this tiny debt hare harming me. They already caused my previously perfect credit score to fall from 800 to less than 400 in matter of two months.
Citis actions are wrong and they harm me. I am being treated as though I am guilty of something of which I am innocent and of which no proof has ever been offered against me.
Citis unjustified actions impact my ability to find employment, to rent a home, to buy insurance, to obtain credit, to go to a hospital during a pandemic. I am a retired woman on a fixed income. If someone like me, white, educated and with a certain amount of savings to mitigate the impact of Citis intimidation, at least for a while, and a perfect credit score based upon decades of data about my credit behavior, can not get Citi to stop this intimidation against me, I fear what happens to people who are more desperate and who may be easier to take advantage of.
*Had Citi protected my account, rather than leaving it wide open to repeated fraud, I would not have felt that permanently closing the account was my only option.
*Had Citi closed the account as directed, then none of these new charges would exist.
*The ONLY reason any charges exist on my account is because Citi disregarded my instructions, issued me an unwanted new card, began accepting charges on the new card even though I never activated the card, then left my account wide open for continued fraud.
For these reasons, my position is that I do not owe this debt, that Citi should have protected me from these continued attacks. Since Citi could or would not protect my account, they are now obligated to reverse the charges.
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| 03/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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- On XX/XX/20 I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) about Citibank. It is my hope that by filing this complaint with CFPB that this complaint will finally reach someone at a leadership level within Citibank who will listen and to take the necessary action to reach my desired outcome. The outcome I am seeking is to continue with my refinance mortgage loan application that is currently in process with Citibank and still locked at a 3.25 % rate and actually receive the concession requested for the loan to be processed at zero origination points. This is the outcome I expected and was reassured by XXXX XXXX NMLS XXXX would happen during my conversation with him on XX/XX/XXXX when he convinced me to proceed with the loan application, run my credit report, and complete the loan application process. Furthermore, I received a reassuring email from XXXX XXXX in response to an email I sent asking for an update about the concessions to receive the loan at a 3.25 % rate with zero points. XXXX responded on XXXX at XXXX XXXX stating I have not but the concession I have requested are coming back approved, So I am just in a waiting pattern right now. I have proof of all of my email communication with XXXX XXXX and a call log of dates at times including notes with all the other Citibank employees that I spoke with about the complaint from XX/XX/XXXX-XX/XX/20. A summary of all events is listed below in this complaint. I am assuming that Citibank leadership can review all of the calls and email communications from their employees. I welcome these communications to become part of the documentation provided in response to this formal complaint with the CFPB.
- On XX/XX/XXXX I called Citibank and began working with XXXX XXXX NMLS Identifier : XXXX to refinance an existing mortgage with Citibank. I explained to XXXX that I was shopping rates with a number of other lenders and wanted to know what Citibank had to offer for a 30-year fixed refinance mortgage for a jumbo loan. XXXX asked which banks I was talking to? I mentioned that I have a XXXX XXXX XXXX account and have been a preferred XXXX XXXX XXXX client for approximately 20 years. XXXX said that Citibank does not like being beaten, especially by XXXX XXXX XXXX. XXXX proceeded to take some information about my financial situation and quoted a rate of 3.25 %. XXXX informed me that he would have to run a credit check to verify my credit score to be eligible for the 3.25 % rate. I asked XXXX if there were any fees associated with the loan and he explained the application and appraisal fees. XXXX mentioned the 3.25 % rate had 1.5 points but he would put in for a concession to get the points waived. I asked what the likelihood was for getting a concession on the points because there was no need to run a credit report as I was not willing to pay 1.5 points in fees to get the loan as the payback period did not make financial sense to me. XXXX assured me that the chance was pretty good at getting the concession waived as all of his requests were coming back approved. Based on XXXX reassurance about Citibank waiving the fees for the points, I authorized him to run a credit report for me and my wife ( with her permission ). XXXX told me that he locked in the 3.25 % rate and I should have confirmation about the concession for Citibank to waive the points by Tuesday XX/XX/XXXX. XXXX informed me that I would receive a welcome package from Citibank in the next day or two as the bank is required to send out the welcome package within 72 hours, but not be alarmed about any points that may be included on the documentation and not to sign the documents. XXXX said he would reach out and let me know when I would have the correct documents once he received the concession to waive the points.
- I sent a follow-up email to XXXX XXXX on Monday XXXX at XXXX XXXX to confirm if XXXX needed anything else from me and to let me know as soon as possible if Citibank approve his concession request. XXXX did not respond to my email request.
- I sent a second follow-up email to XXXX XXXX on Tuesday XXXX at XXXX XXXX to say that I was just reaching out to check on progress on getting the concession for zero points. I indicated that I needed to know ASAP because I did not want to miss another opportunity with a different bank as rates can change quickly. I stressed that I wanted to work with XXXX and Citibank if he could still offer the 3.25 % rate at zero points. I asked XXXX to please let me know as soon as he could if he was able to get the concession. I did not receive any email response or call from XXXX.
- I sent another email to XXXX XXXX on Wednesday XXXX at XXXX XXXX informing XXXX that I received the welcome package and consent to proceed emails from Citibank. I informed XXXX that I noticed the loan origination fees included 1.75 points. I let XXXX know that I was not going to sign these documents. I asked XXXX to let me know as soon as he could if I was going to receive revised documents with the 3.25 % rate at zero points to sign as he had previously advised me to wait to receive the corrected documents indicating the loan was for 3.25 % at zero points before signing anything. I did not receive any email response or call from XXXX.
- I followed-up again on Wednesday XXXX at XXXX XXXX with an email to XXXX XXXX. I emailed stating that I was just checking in to see if he had heard anything about the concession request. I did not receive a response, so I contacted Citibank and asked to speak to a manager so I could get an answer about the concession. The individual that I spoke with mentioned he would reach out to XXXX and have XXXX get back to me. XXXX responded later to my email on XXXX at XXXX XXXX stating I have not but the concession I have requested are coming back approved, So I am just in a waiting pattern right now.
- I followed up the following morning Thursday XXXX at XXXX XXXX to confirm with XXXX XXXX that I should not sign any of the documents because I had received a reminder email Thursday XXXX morning to sign the documents to proceed with the loan and noticed the welcome package had the 3.25 % rate listed with fees including 1.75 points. I did not receive a response from XXXX.
- I followed-up again via email on Friday XXXX at XXXX XXXX to check with XXXX in as I did not receive a response to my email send on Thursday at XXXX XXXX. I stated in my email that I thought we would know about the concession by Thursday at the latest. I asked XXXX to let me know what the plan is. I did not receive a response to my email.
- On Monday XXXX at XXXX XXXX I called Citibank loan processing at XXXX and asked for a manager. I explained to the loan processor who answered the phone that I was working with XXXX XXXX and that I was not getting any responses to my calls or emails. I had just tried to reach XXXX on the phone, but the call went to voicemail. I informed the loan processor that I was not comfortable continuing to wait as I was missing other opportunities to refinance my current mortgage with other banks, but wanted to remain with Citibank being that I have my current mortgage with Citibank and that I was already in the process with XXXX and had my credit checked. The loan processor assured me that I had locked in a very good rate and that Saturday XX/XX/XXXX was one of the best days in the past six months to refinance. He mentioned he would reach out to XXXX XXXX through internal means and have XXXX return my call. I did not document the loan processors name for this call because he convinced me that I was doing the right thing to wait for the concession and that XXXX was working on it.
- On Monday XXXX at XXXX XXXX CST XXXX XXXX emailed me the following : Hello ( my name ), I am on the phone, saw the missed call. Citibank did reject the concession request. I immediately called XXXX XXXX and my call again went to voicemail. I then emailed XXXX at XXXX XXXX and asked him to call me at his next available opportunity. XXXX did not respond to my email or return my call.
- On Tuesday XX/XX/XXXX at XXXX XXXX I called Citibank loan processing and spoke with XXXX XXXX. I informed XXXX that I wanted to file a formal complaint with Citibank based on what had happened. I informed XXXX that I was expecting to receive a concession based on XXXX XXXX reassurance that his concession requests were coming back approved and that we were just in a waiting pattern. And, XXXX XXXX had not responded to me in a timely manner and I had trusted him and Citibank and based on that trust I had missed out on other opportunities to refinance my current mortgage at a lower interest rate and that this had cost me thousands of dollars. XXXX said she understood and Citibank would make things right for its customers. She proceeded to give me XXXX XXXX supervisors phone number and said she would reach out to XXXX XXXX and have XXXX call me back. I did not receive a call from XXXX XXXX.
- I called Citibank on Tuesday XX/XX/XXXX XXXX XXXX and spoke with XXXX XXXX. I explained the whole situation to XXXX and XXXX assured me Citibank would contact XXXX XXXX and have XXXX reach out to me.
- I called Citibank on Wednesday XX/XX/XXXX at XXXX XXXX. I spoke to XXXX XXXX ( not sure of spelling of XXXX last name ). XXXX seemed appalled that this was happening, apologized and said she would file another internal complaint and escalate internally and include XXXX XXXX on copy of the complaint. XXXX provided me with XXXX XXXX direct phone number and email address. I was in meetings most of the day and did not have a chance to call XXXX.
- On Wednesday XX/XX/XXXX at XXXX XXXX I received an email from XXXX XXXX NMLS : XXXX stating that he called my number in the application but could not leave a message. Is there a time that is best to speak you? I did not see a missed call on my phone.
- On Wednesday XX/XX/XXXX at XXXX XXXX I called and spoke to XXXX XXXX. I explained the entire situation to XXXX. I expressed my dissatisfaction with the whole process. That I had trusted XXXX XXXX and Citibank to offer the loan which had been locked-in at 3.25 % with a concession request for zero points. I told XXXX that this was an unfair process given the fact that I had waited so long to receive a response that I had missed other opportunities to refinance at a lower rate with other banks. And, the fact that I had emailed XXXX XXXX multiple times ( documented in this complaint ) and called several time leaving voicemails about my concerns ( not all calls are documented in this complaint ) with no response until Monday XX/XX/XXXX. XXXX explained to me that the pricing team did not approve the concession. XXXX said the only way the pricing team would have approved a concession like the one requested was for me to provide written documentation from another lender proving the other lender was offering the same rate of 3.25 % at zero points. XXXX said this is the only way to have the pricing team match the 3.25 % at zero points. I told XXXX that XXXX never informed me that I was required to submit written offers from other banks to qualify for the 3.25 % rate at zero points. I asked XXXX if there was anything else that could be done to get the concession to waive the points. XXXX informed me that there was nothing else that could be done. I asked XXXX what the next steps were to escalate this within Citibank and to file another complaint. XXXX said he would escalate to the escalation team within Citibank and that someone from the escalation team would contact me within the next 24 hours.
- On Thursday XX/XX/XXXX at XXXX XXXX I received a call from XXXX XXXX from Citibanks escalation team. I explained the whole situation to XXXX and asked her to assist me with getting the 3.25 % rate at zero points. I told her that I had lost other opportunities to refinance at a lower rate than I have now on my current mortgage because other banks had raised their refinance rates already. I had called several banks on Wednesday XX/XX/XXXX and rates being quoted were markedly higher than those same banks were quoting on XX/XX/XXXX. I explained to her that so much time had passed from my initial application with Citibank on XX/XX/XXXX with XXXX XXXX that I had missed other opportunities to refinance. XXXX said she would look into the matter, talk to both XXXX XXXX and XXXX XXXX to understand what happened. I did not hear from XXXX again until Friday XX/XX/XXXX.
- On Friday XX/XX/XXXX Lanore called me at XXXX XXXX and informed me that she reviewed the issue with Citibank management and management had made a final decision and that while she admits there was delay in Citibank getting back to me there was nothing she could do to change managements decision to change the outcome of the concession request that XXXX XXXX submitted on my behalf. I asked XXXX to allow me to call her back because I was on another call at the time and that I did not agree with the outcome.
- I attempted to call XXXX a few times before she called me back on Friday XX/XX/XXXX at XXXX XXXX. I reiterated my frustration about the entire process and that I did not agree with the decision to not offer me the 3.25 % rate at zero points. I told her it was unfair and not good business practice. I asked XXXX what my options were to escalate this complaint above her. She told me that the buck stops with her. She makes the final decision. I said I thought the issue was reviewed with Citibank management based on her previous call and management made the final decision not to honor the offer with concessions. I asked XXXX for the contact information for the person who made the final decision. XXXX said there was no person and that it was the pricing department. I told XXXX that departments dont make decisions and that people make decisions. I wanted the name and number of the person who has made the decision to do nothing about my complaint. XXXX told me that she made the decision and that the buck stops with her. I told XXXX that I highly doubt that she is the final decision maker and to please let me know who made the decision. She said the pricing department makes the decisions about whether or not to approve a concession request and that I would have had to provide documentation of another lenders offer for Citibanks pricing team to match the 3.25 % rate at zero points. I explained to XXXX as I had explained to XXXX XXXX that I was never requested to provide documentation proving another banks offer for a loan at 3.25 % with zero points. I continued to press XXXX and mentioned that to me it sounded like she just interviewed XXXX XXXX and was using his same response about the need to show proof that another bank was offering the 3.25 % rate at zero points. I expressed that my feeling was that XXXX did not review my complaint with any member of Citibank management like she claimed initially. XXXX repeatedly said that there was nothing I could do and there was no other person I could talk to within Citibank about my complaint. XXXX said she worked right under the Citibank President and had the final say. I asked XXXX what my alternative were and she informed me about the CFPB. XXXX said I could go on the CFPB website and file a complaint and the complaint would be routed to Executive Staff at Citibank. XXXX also stated that I could seek legal counsel to take legal action against Citibank.
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| 08/18/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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Citibank closed my checking account without notice ; I have YET to be contacted by anyone from Citibank - no phone call, no letter, absolutely no communication from Citibank at anytime- and the only communications I have had with Citibank personnel is during one of the 17 phone calls I've made to them since this began to try to find out exactly what is going on with my checking account, where my funds are at since I have no access whatsoever to any of my funds, or to get a status update of where we are in the process so I can know when to expect the remaining funds from my accounts there. I have literally BEGGED for a return phone call from someone at Citibank who could just tell me what is going on since I haven't received any written notice from the bank at all pertaining to my account, yet no one ever returns my call despite me being promised that someone will return my call in 2-4 hours, or within one hour, or within one business day - yet I still have not received a return call and I have literally BEGGED for one. At one point, during one of the conversations I was having when I called in to see what was going on with my account and when I'd have access to my funds again, I was told by the customer service representative that the Fraud Prevention Department was reviewing my account and that my account was being closed by the bank. He stated to me that I'd receive a check for the remianing funds within 30 days. This phone conversation was on XX/XX/2020 and 6 weeks later, I still have not received those funds yet. My family is literally suffering because that was every XXXX that I have to my name and I now have no access to it. My rent is past due and my angry landlord is threatening to put our belongings by the curb and forcibly evict me if I do not pay my delinquent and current month rent in full. My electricity is past due and after Thursday of this week, my electricity will be disconnected for non-payment. I have fed my XXXX children from my church 's food pantry for the last 4 days because I have no money to buy them food to eat. I have 1 child that needs to go to the doctor, but I have no money to even pay the co-pay for her doctor visit. I have called Citibank again today begging for help because my life is literally falling apart moreso everyday and all of it is being caused by Citibank 's decision to restrict my access to my funds and perform some mysterious 'investigation '', which no one can tell me anything about - I have offered to provide them with documentation of every single deposit into that account and every disbursement out of my accounts, yet I'm told they do not need any additional information from me. So, I'm not sure what type of 'investigation '' they could possibly be conducting, but since 100 % of every XXXX in my accounts is well documented and legitimate, as are expenditures, it certainly could not be taking this excessive amount of time because there is any indication to the contrary because none exists. Further, I have not been contacted by any investigator or anyone else from the bank, so I seriously question what type of investigation they're performing that allows them to not so much as attempt to speak with the account owner. I was told today that the investigation was completed and that my account was in the account closure process and that it would take 30-60 days for a check to be issued and mailed to me for the funds remaining in my accounts. I have been very patient throughout this entire past 6 weeks as they done whatever review they chose to do, simply because I know with certainty that every XXXX is legitimate, in no way whatsoever involved in any type of fraud, and rightfully belongs to me, but this is now a MAJOR that is literally ruining my life and my children 's lives. I have no other assets and have no other means to provide for my children and I am literally at the point of bankruptcy and will have no electricity after this week, so I am now begging for your help in getting me some type of resolution to this matter so that I can get the money remaining in my accounts and provide for my family because if I can't get access to these funds quickly, it will be our demise. I've tried multiple times to contact Citibank about this, but their very cold representatives have made it quite clear that they can not expedite the processing of my check any quicker than 30-60 days and that my family 's survival is of no concern to them. As a last resort, I am now coming to you begging for your help and hoping that you can intervene and do something to help me get access to my money because in three days I will have no electricity at my house, I could be thrown out on the streets with no where to go with my XXXX kids due to non-payment of my rent, and do not have XXXX XXXX to purchase food or medical care for my children so I am beyond desperate and beg for any assistance you could provide.
I have been unemployed since XX/XX/XXXX due to my employer ceasing operations due to Covid 19. I was finally awarded unemployment benefits on XX/XX/2020 and was retroactively awarded payment going all the way back to my claim date of XX/XX/XXXX, On XX/XX/2020, I received a series of deposits into my Citibank checking account from the Georgia Department of Labor, paying me retroactively for my unemployment benefits from XX/XX/XXXX - XX/XX/2020 ; the Georgia Dept. of Labor approved my claim in late XXXX, but because my claim date was XX/XX/2020, they had to issue me retroactive payments for all weekly benefits I was entitled to from XX/XX/2020 to that date. As such, payments were made to me for all weeks on XX/XX/2020, causing there to be multiple direct deposits for all of the weekly benefits that I was retroactively entitled to. This is the only non-routine activity that occurred, so I can only assume that this is what triggered Citibank 's investigation of what one representative termed " suspicious activity '' in my account. On XX/XX/2020, while attempting to make a purchase at XXXX XXXX, my debit card was declined and when I called Citibank customer service, they asked me to verify some recent transactions and to verify that it was me making those purchases. Because I had been unemployed for some time and had just received the retroactive payment for over 3 months of unemployment benefits, there was several purchases and bills that had to be paid to get them current now that I had access to my unemployment benefit funds. I was told that because a larger number of purchases had been made, they had flagged my account and wanted me to verify the purchases. I verified all purchases via telephone with the customer service representative and all were legitimate and just me making purchases for food and supplies needed for my family, supplies for repairs and maintenance, and to pay bills, such as electricity and telephone. However, the block was not removed off of my debit card even after verifying the transactions. I called Citibank again and was told that another department would need to speak with me but that I could not call them directly ; she stated that she would have someone within that department to call me within the next hour. That call never came and since then, I've had 15 more identical phone calls with Citibank customer service representatives and Fraud Prevention Department personnel and still have not received a return call from anyone there. I have not received any letter whatsoever explaining what is going on, nor do I have access to my online banking account ( I received an email telling me there was a message for me in my secure message center but since my access to my online account had been restricted, I could not log in to read these messages - I reported this to customer service representatives as well but was never given access to my online account again and have never received any documents in the mail despite me requesting that a copy of all correspondence relating to this matter be sent via US mail due to my restricted online access ). Through conversations with various personnel during one of the 17 phone calls that I have initiated, I was told that my account was being reviewed and that upon their review they had decided to close my account ; I was told that this process of closing out my account would take 30-60 days. Today, XX/XX/2020, I spoke with XXXX in the Fraud department and asked what I could do to expedite this process, as my family was going without necessities and I had a child that needed medical care but that I couldn't afford the co-pay because 100 % of my money is restricted by Citibank and I could not access any of my money ; I offered to send documentation from the Georgia Department of Labor ( a payment advice for each and every deposit every direct deposited to my checking accounts ) and every expenditure paid out of my accounts, as I keep a very thorough set of records ; XXXX told me that the investigation was complete and that no additional information or documentation was needed from me and that they were simply waiting on the check to be issued remitting the remaining funds in my account to me. I pleaded with XXXX to connect me with someone there who I could explain my circumstances to who could expedite the issuance of this check as it clearly did not take in excess of 20 days to issue a check and she told me that there was nothing that could be done to expedite this process and I simply had to wait on the check to be issued and mailed to me. Despite me explaining my current situation - about to be evicted, have no food nor money to buy groceries, a sick child needing to see the doctor but no way to pay the co-pay to take her, electricity about to be disconnected - but she offered no kindness or genuineness in her tone as she curtly told me there was no one I could speak to further about it and that nothing that can be done expedite this process. I have now spoken to almost 2 dozen Citibank representatives during this last month of horror caused by my funds being restricted and this " investigation '' and not one of them - NOT ONE - even remotely acted as if they cared one tiny bit about me or my family 's survival. Since I had literally cried to them explaining my situation to them and begged for their help, I absolutely feel like the biggest fool in the world for doing so because their very curt attitudes and clear lack of any sincere desire to help was so very obvious that it would be obvious to a blind man. Also today, I spoke with XXXX in the Security Department, who was hideously rude to me and offered the same identical " I can't do anything to help you '' attitude and told me that there was no other supervisor that I could speak to. The last several months have been exceptionally difficult with the Covid 19 pandemic causing me to be unemployed for several months, getting behind on all of my bills, and placing a huge financial strain on my family ; however, these last 6 weeks since Citibank made the decision to close my account and has restricted my access to ALL of my funds has been the most horrendous and most awful time of my entire life. It has been absolute torture to watch your children NEED food and medical care and not be able to provide it for them ; that is literally the most painful and heartbreaking experience in my life. I feel like I have been more than patient over the last 6 weeks in light of this situation and offered repetitively to provide whatever documentation and information they may need to expedite their investigation so that my funds could be released ; however, at this point, I can no longer just sit by and hope and pray that Citibank will release my funds anymore ; my family is suffering and literally going without basic necessities of life and that is just absolutely too much to allow myself to sit by idle trying to be patient and hope that my funds will be release ; after all, I am only asking for what is rightfully mine and I do not feel like I should have to beg for what is mine nor should my children EVER spend one minute lacking for anything at Citibank 's hands. I feel like I will never forgive myself if don't exhaust every avenue that I can requesting help in getting a quick resolution to this matter, so please know that I desperately need your assistance with this matter and would sincerely and genuinely appreciate any assistance you can give. I know that there has to be at least one person somewhere in this world that actually cares enough not to give me some blanket response of " 30-60 days '' and who will have mercy on my family and assist me in getting my funds released.
I have documented each phone call and the details of those calls and can provide that information if and when needed. From XX/XX/2020 until today ( XX/XX/2020 ), I have contacted Citibank 17 times regarding this matter and have yet to receive any real information about this " investigation '', what I can expect during this investigation period, or a supervisor 's contact information above the person I was speaking with who could assist me with expediting getting a check issued for my remaining funds in my accounts, or when I will receive my funds back. In fact, I have not received not one return phone call from anyone at Citibank during this period either, and I do not feel that asking for a return phone call is too much to ask for when every XXXX that I own is sitting in my Citibank accounts and Citibank has restricted my access to them. I do not have a local branch that I can just go into to seek assistance because the closest branch is over 3 hours away in XXXX, Florida ; in the past, I never had a need to go into a physical branch because their customer service had been so exceptional for all of my needs prior to this that I didn't have a need to go into a local branch. I will be more than glad to appear at the closest branch and will gladly drive 3 hours away if I could be guaranteed that I'd have access to my funds upon leaving there, but I'll be very honest with you and tell you that I do not have money to purchase gas to get there and back ; ALL of my funds are in my Citibank accounts and my situation is so dire that I can not afford gasoline to put in a vehicle to drive to the closest branch. As pitiful as I feel in saying that, it is true. PLEASE HELP ME!!! I feel so helpless and my family will not survive another 2-3 weeks without the basic necessities we need ; we will be in bankruptcy and lacking the bare necessities of life, so since I have been told that the review is completed and I will be issued a check for my remaining funds, can you please help me see who I can explain my situation to that will help me??? It's clearly obvious that issuing a check does not take 3 weeks, and since I have been patient thus far and have been understanding that Citibank personnel simply has a job to do and have cooperated fully with this situation, and primarily because the completed review indicates absolutely no fraud has occurred and that the funds in my accounts rightfully belong to me, there is no justifiable reason to continue to hold my funds as my children are going without medical care and food in our house. I am literally begging for your help and need it so very desperately to happen quickly. Thank you in advance for your assistance!!
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| 08/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Follow up to CFPB Compliant ID XXXX with Citibank.
I have been trying to get this resolved since XX/XX/XXXX. RE : CFPB Compliant ID XXXX. According to XXXX XXXX from Citibank, received XX/XX/XXXX, Citibank did make an error in reporting charge off. However XXXX, on XX/XX/XXXX, Confirmation XXXX, and XXXX on XX/XX/XXXX, file numbers XXXX reported to me that Citibank states the charge off is correct. So now I have Citibank telling me there should not be a charge off and the credit bureaus telling me Citibank telling them there should be.
I have already spent 11.75 hours dealing with this issue. Six hours on phone speaking to 18 people at Citibank. Four hours waiting letters to Citibank. One and three quarter hours documenting the issue with Federal and State agencies.
This is effecting my ability to obtain credit at favorable rates.
Reference numbers from Citibank Reference Numbers Multiple reference numbers provided. No details or explanation on resolution. XX/XX/XXXX Request # XXXX Reference : XXXX XX/XX/XXXX Request # XXXX Reference XXXX XX/XX/XXXX Reference XXXX Provided by XXXX. No reference number. No follow up secure message. XX/XX/XXXX Reference XXXX XX/XX/XXXX Request # XXXX Reference : XXXX XX/XX/XXXX Request # XXXX Reference : XXXX Following is contact history I have had with Citibank Citibank Call History XX/XX/XXXX Call Notes Two hours on phone Spoke to XXXX unable help transferred me to XXXX unable to help transferred me to Recovery. No one picked up after thirty minutes on hold. I called Recovery at ( 800-846-8444 ) In Recovery I spoke employee with ID XXXX said they can not help, refused to allow me to speak to supervisor, transferred to me back Department for Line of Credit that I already had spoken to no one picked up after thirty minutes.
Sent XXXX.
Sent message through XXXX.
Called XXXX Spoke to XXXX was not showing loan products in my name.
He transferred me XXXX Created dispute Got supervisor involved Said clearly nothing owed Submitted to Consumer Credit Research Reference XXXX Password XXXX Email 24-48 hours Credit Bureaus cleared within thirty days Received response via email XX/XX/XXXX Said could not do anything XX/XX/XXXX Call Notes One hour fifteen minutes on phone XXXX in Customer Service Got Credit Officers on phone.
Transferred to XXXX She transferred me back to Customer Service Spoke to XXXX She transferred to Recovery ( XXXX ) Spoke with XXXX in Recovery She transferred me back to Customer Service Followed up with XXXX XX/XX/XXXX Call Notes DM through XXXX XXXX XXXX XXXX XX/XX/XXXX Call Notes One hour on phone Called XXXX as directed by XXXX Spoke with XXXX, said could not help Transferred to Concern Team Spoke with XXXX Said could not help. She only handles credit cards Transferred to LOC Spoke to XXXX Transferred to Home Equity Department This was not a home equity loan.
XX/XX/XXXX On phone for 90 minutes total time so far 5.5 hours Sent XXXX through XXXX with call history and notes of problems XXXX responded and connected me directly to Transferred to XXXX Said transfer made into account on XX/XX/XXXX, then reversed A research request was opened in XX/XX/XXXX but never resolved Statement showing payment XX/XX/XXXX Statement showing advance XX/XX/XXXX Submitted for Research Request # XXXX Reference XXXX Received response on XX/XX/XXXX by email Told to contact Citi Unsecured Recovery Department at XXXX I already spoke to recovery twice as follows Both times told could not help.
1 ). I already spoke to employee with ID XXXX in Recovery on XX/XX/XXXX. Said Could not help.
2 ). I already spoke to XXXX in Recovery on XX/XX/XXXX and was told they could not help.
XX/XX/XXXX XXXX Post @ XXXX XXXX XXXX XXXX XXXX Was instructed by XXXX via XXXX XXXX on XX/XX/XXXX to call XXXX The Recovery Department. I already spoke to Recovery twice. On XX/XX/XXXX I spoke employee with ID XXXX said they can not help, refused to allow me to speak to supervisor. On XX/XX/XXXX I spoke with XXXX. She said she could not help.
XXXX Responded 18th Person I contacted.
XX/XX/XXXX Seeking help from Citibank XXXX Post on Citibank XXXX XXXX XXXX to Citibank XX/XX/XXXX XXXX XXXX from me to Citi.
Please make sure person I speak to is familiar with situation Call history is outlined earlier in this thread. I have spoken to fifteen people over 5.5 hours. I am tired. I dont want to repeat history for sixteenth time.
1 ). Please email me statements showing when LOC was utilized and when payments were due or were made. Curious because credit reports dont reflect a problem. They show balance of XXXX and past due XXXX. My bank statements also indicate XXXX owed. I also have a years worth of FICO scores that dont reflect a problem. My score dropped from XXXX to XXXX XXXX ). I would also like to know who accessed LOC, where and when. I never did. Do I need to file report with FTC and police?
3 ). I have credit reports, bank statements, and FICO history that support my claim. Let me know where I can email.
4 ). Would like to know status of following conversations a. Date XX/XX/XXXX XXXX at XXXX said clearly nothing owed.
b. Date XX/XX/XXXX XXXX, transferred to her by XXXX, Said transfer made into account on XX/XX/XXXX, then reversed. Went on to say a research request was opened in XX/XX/XXXX but never resolved. Went on to say statement show payment on XX/XX/XXXX. Statement showing advance on XX/XX/XXXX.
No requested information was provided.
XX/XX/XXXX XXXX XXXX from me to Citibank This just gets more bizarre. This why I want a statement showing history.
I will also need to know who, where and how these payments were made.
Payment history based credit reports 1 ). XXXX a ). XX/XX/XXXX credit report shows last payment XX/XX/XXXX b ). XX/XX/XXXX credit report shows last payment XX/XX/XXXX 2 ). XXXX a ). XX/XX/XXXX credit report shows last payment XX/XX/XXXX b ). XX/XX/XXXX credit report shows last payment XX/XX/XXXX XX/XX/XXXX XXXX called. 30 minutes on phone. Total time 6 hours Transferred me to XXXX Supervisor in Recovery. This was the third person I spoke to in Recovery * ( Please note on XX/XX/XXXX In Recovery I spoke employee with ID XXXX said they can not help, refused to allow me to speak to supervisor, transferred to me back Department for Line of Credit that I already had spoken to.
Had he just let me speak to supervisor this could have been handled by the forth person not the eighteenth person I spoke with ) Furthermore On XX/XX/XXXX I spoke with XXXX in Recovery. She said she could not help.
XXXX provided following number Reference XXXX XXXX asked for following Told me to send fax with information For LOC XXXX for {$2000.00} To Fax XXXX Send request To Include following 1 ). Letter of explanation re : XXXX LOC XXXX. Sent per XXXX based on conversation of XX/XX/XXXX at XXXX ET.
2 ). Credit reports showing payments How can they show payments in XXXX of XXXX before Citibank is showing I used LOC on XX/XX/XXXX. Note I did not request this use of LOC.
a ). XXXX showing last payment XX/XX/XXXX from credit report dated XX/XX/XXXX b ), XXXX showing last payment XX/XX/XXXX from credit report dated XX/XX/XXXX.
3 ). Bank statement XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Statements did not show LOC balance > All statements from Citibank from XX/XX/XXXX to XX/XX/XXXX reflect LOC was not used. Verbiage on statements as follows.
Credit Line {$20000.00}, Amount Available, {$20000.00}, Amount You Owe {$0.00} 4 ). Credit Reports all shows Limit {$20000.00} Balance {$0.00} Highest Balance {$0.00} Payment Status Current Date of Last Payment Amount Due Latest Status Current No letter or phone call 5 ). FICO as follows XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Work hard and disciplined Spoke to 18 people over 6 hours XX/XX/XXXX Fax Sent XXXX ET Confirmation received ( id # XXXX ) ( id # XXXX ) ( id # XXXX ) End of fax information sent XX/XX/XXXX Received voicemail Hi, mister XXXX. This is easily with Citibank. If you can give me a call back, XXXX. Thank you, bye-bye.
Note reverse look up can tie phone number to Citibank Number does not match phone numbers from Citibank locations in XXXX area code XX/XX/XXXX Message via XXXX XXXX XXXX XXXX Good afternoon Two things 1 ). I need to submit firm FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) what address should it be sent to?
2 ). Need to confirm your Registered Agent for Florida. I have the following. Is it correct?
Registered Agent Name & Address XXXX, XXXX XXXX.
XXXX XXXX XXXX XXXX, FL XXXX Thanks XXXX XX/XX/XXXX No response to above communication to XXXX XXXX and XXXX XXXX on XX/XX/XXXX XX/XX/XXXX Called XXXX to confirm if call received from XXXX on XX/XX/XXXX is legitimate or possible fraud spoke XXXX.
XXXX can not confirm number from Citibank.
XX/XX/XXXX Called XXXX Spoke to XXXX Asked I need to submit firm FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) what address should it be sent to?
I also asked for email or fax number to submit request.
Fax number is XXXX XX/XX/XXXX Contacted XXXX XXXX XXXX through their website to verify that they are Registered Agent for Citigroup.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX https : XXXX XXXX : XXXX? XXXX & XXXX & XXXX % XXXX & XXXX & XXXX % XXXX & XXXX % XXXX XX/XX/XXXX No follow up from XXXX from call and fax of XX/XX/XXXX Sent following To Fax XXXX XXXX : Reference XXXX Follow up This is a follow up to a conversation I had with XXXX on XX/XX/XXXX. As of XX/XX/XXXX I have not been contacted with a resolution. I submitted the necessary documents he requested. The relevant information was circled and highlighted as he requested. I included bank statements, credit reports, and FICO scores.
Original letter of explanation faxed on on XX/XX/XXXX sent at XXXX XXXX as requested by XXXX is below.
Let me reiterate. I did not request use of the line of credit. Use of the line did not appear on any bank statements from Citibank. Credit reports did not reflect use of the line of credit. Credit reports did not show late or missing payments. Credit reports show payments before Citibank says I used line of credit. I did not receive any communication from Citibank by USPS, phone call, or email. I have Informed Delivery from USPS so I would be aware of all first class mail.
It appears as if someone had unauthorized access to my account.
I would appreciate follow up.
Thank you XXXX XXXX Fax sent XX/XX/XXXX XXXX XXXX.
Confirmation received ( id # XXXX ) XX/XX/XXXX Fax to XXXX Never hear back fro XXXX in regards to conversation on XX/XX/XXXX at XXXX XXXX, documents submitted per his request on XX/XX/XXXX at XXXX XXXX..
No response from XXXX to follow up request sent on XX/XX/XXXX at XXXX XXXX.
Submitted Letter for Getting Business Records Related to Identity Theft to Fax number XXXX as directed by XXXX per conversation of XXXX
Fax requests included following.
1. Letter of Explanation 2. Copy of Government Issued ID 3. FTC Report 4. FCRA 609e requirements 5. FTC copy of FCRA requirements of businesses records Fax sent XX/XX/XXXX XXXX XXXX id # XXXX ) id # XXXX ) XX/XX/XXXX No follow up from XXXX from call and fax of XX/XX/XXXX No follow up to fax requesting information on XX/XX/XXXX Sent following To Fax XXXX RE : Reference XXXX Follow up Included updated letter requesting information Included call log from XX/XX/XXXX to XX/XX/XXXX Sent XXXX XXXX Confirmation id # XXXX ) XX/XX/XXXX Fax to XXXX Documents XXXX per his request.
I have not heard back. Resubmitting documents he requested. bank statements, credit reports, and FICO history Documents requested by XXXX on XX/XX/XXXX at XXXX. Originally sent to his attention on XX/XX/XXXX at XXXX. Confirmation.
( id # XXXX ) ( id # XXXX ) ( id # XXXX ) Sent XXXX AM Confirmation ( id # XXXX ) ( id # XXXX ) XX/XX/XXXX Received response from Citibank Request # XXXX Reference : XXXX An secure with no explanation in body of letter.
As follows.
From : Date : XX/XX/XXXX Subject : Citibank Service Request # XXXX Reference : XXXX Dear XXXX XXXX XXXX, Your inquiry, XXXX has been resolved.
Sincerely, Citibank Customer Service XX/XX/XXXX Fax to XXXX XXXX Requesting follow up to conversation of XX/XX/XXXX Requesting follow up to documents submitted XX/XX/XXXX Requesting follow up to fax of XX/XX/XXXX Requesting follow up to fax of XX/XX/XXXX Requesting follow up to documents submitted on XX/XX/XXXX Confirmation Sent XXXX id # XXXX ) XX/XX/XXXX Fax to Legal Department requesting follow up to conversation and faxes to XXXX Requesting follow up to conversation of XX/XX/XXXX Requesting follow up to documents submitted XX/XX/XXXX Requesting follow up to fax of XX/XX/XXXX Requesting follow up to fax of XX/XX/XXXX Requesting follow up to documents submitted on XX/XX/XXXX XXXX Citibank NA c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Confirmation Sent XXXX id # XXXX ) XX/XX/XXXX XXXX XXXX Received email that Request # XXXX Reference : XXXX as been opened XX/XX/XXXX XXXX XXXX Received email that Request # XXXX Reference : XXXX has been resolved No details in body of letter XX/XX/XXXX Fax to Citibank XXXX XXXX XXXX To : Citibank From XXXX XXXX XXXX Date : XX/XX/XXXX Included in this correspondence 1 ). Letter to Citibank XXXX XXXX. 2 ). Copy of fax to XXXX in customer service. 3 ). Call notes on issue.
Confirmation Sent XXXX id # XXXX ) XX/XX/XXXX Received email that Request # XXXX Reference : XXXX has been opened XX/XX/XXXX Response from Citibank to CFPB Compliant ID XXXX Submitted XX/XX/XXXX XX/XX/XXXX Feedback to CFPB XX/XX/XXXX Fax Demand Letters To : XXXX in XXXX, Citibank Legal , Citibank XXXX XXXX From : XXXX XXXX Date : XX/XX/XXXX To : From : XXXX XXXX Date XX/XX/XXXX RE : Reference XXXX ( provided by XXXX on XX/XX/XXXX ) to Fax : XXXX CFPB Compliant ID XXXX You will receive three faxes.
Fax One : Letter of Explanation Fax Two : Call Notes Fax Three : Citibank response to CFPB Complaint XXXX Copy submitted to XXXX XXXX Registered Agent for Citigroup in Florida Email sent XXXX XXXX Copy submitted to Citibank Recovery ( XXXX ) to Fax XXXX XXXX XXXX ( id # XXXX ) XXXX XXXX ( id # XXXX ) XXXX ( id # XXXX ) Copy Submitted to Citibank XXXX XXXX XXXX XXXX : XXXX XXXX AM ( id # XXXX ) XXXX XXXX ( id # XXXX ) XXXX XXXX ( id # XXXX ) Copy Submitted to Citibank XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( id # XXXX ) XXXX XXXX id # XXXX ) XXXX XXXX ( id # XXXX ) Reference Numbers Multiple reference numbers provided. No details or explanation on resolution.
XX/XX/XXXX Request # XXXX Reference : XXXX XX/XX/XXXX Request # XXXX Reference XXXX XX/XX/XXXX Reference XXXX Provided by XXXX. No reference number. No follow up secure message.
XX/XX/XXXX Reference XXXX XX/XX/XXXX Request # XXXX Reference : XXXX XX/XX/XXXX Request # XXXX Reference : XXXX Contacts outside Citibank XX/XX/XXXX Florida Attorney General XX/XX/XXXX FLorida Office of Financial Regulation Complaint number XXXX XX/XX/XXXX FTC Your reference number XXXX XX/XX/XXXX CFPB Compliant submitted Complaint ID XXXX XX/XX/XXXX FDIC Your case number is : XXXX XX/XX/XXXX Officer of the Comptroller of the Currency Transaction ID : XXXX XX/XX/XXXX Email to XXXX XXXX Registered Agent for Citigroup XXXX XX/XX/XXXX SEC Complaint filed
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| 07/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have included copies of two letters describing this situation wrote to Citicard after my initial dispute was summarily denied because multiple Citicard employees gave me incorrect guidance on the time limit for filing a dispute.
Realizing I had been scammed by a merchant I reached out to Citicard three times to confirm there was no time limit for me to file a dispute, to a person I was told no. Part of the process of the " Not as described Chargeback '' first requires that I try to work things out with the merchant. Since this was a medical procedure this workout took me a full twelve weeks as that was the time frame given to allegedly see results.
I filed my dispute on the 91st day right after the merchant stood me up for my final appointment. Citicard took the dispute with no mention of time frame and sent a letter to the merchant to investigate. Citicard never asked for my documentation in this matter. Despite not hearing from the merchant they denied my dispute for not being filed within 60 days. Not only does this dismissal run contrary to what Mastercard describes in the requirements of the chargeback, it is the exact opposite of what Citicard employees told me.
A letter to the CEO has gone unanswered and the XXXX again denied my dispute for time limit without an investigation of their own employees negligence much less the fraud taking pace by the merchant.
Dear Mr. XXXX : As a longtime Citi customer maintaining two credit cards in impeccable standing I am thoroughly frustrated if not perplexed that I find myself writing this letter. Much of my frustration is derived from the fact I consulted three of your employees on this matter with respect to the time frame I had to file my dispute against XXXX XXXX XXXX XXXX. One of these calls was to XXXX XXXX in your Dispute Resolution Department who assured me there was no time limit for me to file my dispute along with I thought addressing my other concerns.
Adding to my frustration I was defrauded by XXXX XXXX XXXX XXXX, XXXX and his company XXXX XXXX XXXX XXXX. Among other things XXXX used false and deceptive advertising gain my business. I purchased a procedure called XXXX XXXX for {$1800.00} which claims up to 24 % targeted and XXXX XXXX XXXX in XXXX XXXX to XXXX and XXXX twelve weeks post treatment. I received none of the purported reduction from a procedure I now consider to be nothing more than a scam.
Manager XXXX XXXX offered no clinical proof during my first follow up appointment on XX/XX/XXXX that there was any XXXX XXXX from the XXXX procedure. Her sole approach was follow up photos she played with in her office trying to wow me with before and after. I was unimpressed with her ruse and said as much in that we had just taken my XXXX and XXXX. After a little more back and forth along these lines Ms. XXXX indicated the procedure was still working and I needed to come back after the full 12 weeks. Something I reluctantly agreed to. She gave me a note indicating that they would possibly use my photos for promotional purposes implying I would get some cash back if I agreed to this.
The second thing XXXX XXXX mentioned on this note ( copy included ) was possibly doing the procedure over. When I spoke with XXXX XXXX she told me I wouldnt have to do the procedure over in order to be in compliance of working with the merchant for me to file a dispute. My clinical impression of XXXX being a sham is secondary in my dispute against XXXX XXXX XXXX in the light of the easy to confirm deceptive trade practices.
XXXX XXXX XXXX website contains stock photos alleged to be actual patients and markets XXXX XXXX as if these are results they obtained for their clients ( see attached photos ). In reality if you bury down on other provider websites you will find various doctors unrelated to the XXXX practice credited for the photos.
Paraphrasing ; claims that are outright misleading or false, especially those that could harm consumers are prohibited by federal and state consumer protection laws. A common form of false advertising involves deceptive or misleading product descriptions, particularly claims that a product has certain features or benefits that it does not, or that it is of a higher quality than it actually is. Examples include : Misleading illustrations or photographs.
In Nevada where XXXX and its owner XXXX XXXX XXXX XXXX are registered and licensed to practice respectively, as a consumer I am protected by Deceptive Trade Practices NRS 598.0915 and Deceptive Advertising NRS 207.175. These statutes closely follow Federal law. XXXX XXXX also appears to be in direct conflict with the truth in advertising legislation contained in the XXXX Assembly Bill ( A.B. ) 456 based on AMA standards which in part state communication shall not be misleading because of the omission of necessary material information, shall not contain any false or misleading statement, or shall not otherwise operate to deceive. In addition to contacting your company I have filed complaints with the Nevada Attorney General and Medical Board concerning this fraud.
Citi summarily denying my dispute without asking me for clarifying written information has allowed a licensed physician to be financially rewarded for violating existing Federal and State laws concerning deceptive business practices, AMA guidelines, and consumer protections surrounding Implied Merchantability that seek to provide standards to prevent this manner of fraud.
The attached letter dated XXXX, XXXX XXXX indicates I only had 60 days from my first statement to file a complaint. Again your employees over a series calls told me I had unlimited time. Further complicating this is the medical service for which I was defrauded had an advertised twelve week period before I would expect to see maximum results. One of the conditions of a chargeback is that I attempt to work things out with the merchant. This required the full twelve weeks for my follow up appointment. Incidentally, when I showed up for my appointment on XX/XX/XXXX the office was closed, locked, and XXXX XXXX XXXX never returned my calls. I would love to send you the time stamped video of me banging on their door. On XX/XX/XXXX I relayed the above to the Citi worker that took the information on my dispute.
On XX/XX/XXXX I called the Citi number and despite wanting to hold to speak with someone about my dispute I was disconnected via your automated system.
On XX/XX/XXXX I called and spoke with XXXX who indicated that information was requested from XXXX XXXX and they had 60 days to reply. At that time there was no response from them. Frankly there is nothing they could provide since XXXX nullified their standing for keeping my money unenforceable when they broke Federal and State laws to unlawfully obtain it.
On XX/XX/XXXX when I called to get my balance and suspected something was wrong with my dispute I waited to speak to XXXX XXXX. Very frustrated with his lack of knowledge and inability to review records I asked to speak to a supervisor. He continued to tell me none were available and finally I had to relent to a call back within 72 hours. I would have liked to review the above with a capable member of your staff rather than take an afternoon and write you, unfortunately thus far that promised call hasnt materialized On the XXXX I also signed up for Citi Online, for effect I asked your search engine how long I have to file a dispute. No answer is forthcoming.
Please charge back the merchant XXXX XXXX XXXX based on their deceptive and fraudulent business practices. This is the same protection you would afford any customer that was a victim of a crime with much less supporting information than I just provided. Should you need more details I will certainly provide what I can, including responses from the Medical Board and AG when they arrive.
Please have a representative with a direct call back number contact me at XXX-XXX-XXXX to further discuss this matter and confirm in writing when this fraud has been properly investigated and resolved.
Dear XXXX : I am writing to ask that you review my complaint in its entirety including the misrepresentations made to me by XXXX employees. Most notably I was told by three employees that there was no time limit for me to file a dispute. My dispute was subsequently denied for not being filed within 60 days.
This letter is a follow up to my call with XXXX ( XXXX ) and XXXX ( XXXX ) dated XX/XX/XXXX. For your reference I have included a letter I wrote to the executive office on this matter dated XX/XX/XXXX and picked up at the Post Office on XX/XX/XXXX. Thus far I have not received a response which as a victim of fraud and longtime Citi customer I find incredibly frustrating.
XXXX XXXX XXXX in my opinion is perpetrating a near perfect scam and Citis current handling of my dispute will allow it to continue to my detriment potentially other Citi customers. If consumers such as me are told the XXXX procedure will take 12 weeks to work, we must try and work things out with the merchant, and then denied our disputes claiming we only had 60 days to file its easy money for corrupt venders. To that end I have filed complaints with the NV Attorney General and Medical Licensing board due to violations of Federal and State laws prohibiting false advertising and deceptive business practices.
During my call with XXXX ( XXXX ) she indicated that I in fact had 120 days to file the dispute and filed on the 91st day. But then went on to tell me the real reason my dispute was denied was that I received the service. XXXX did not seem to understand that my dispute was not one of if I received a service but the nature of fraud that surrounded my purchasing it and a lack demonstrated of clinical efficacy. When I was transferred to XXXX ( XXXX ) he indicated the time limit and not the services, but was concerned enough to escalate the matter.
As of yesterday XXXX XXXX XXXX website is still representing stock photos as real patients, ( see attached ). Under Federal Law advertising must tell the truth and not mislead consumers. In addition, claims must be substantiated. XXXX XXXX XXXX has both misled and not substantiated their claims. Testimonials and endorsements must reflect the typical experiences of consumers, unless the ad clearly and conspicuously states otherwise. A statement that not all consumers will get the same results is not enough to qualify a claim. Testimonials and endorsements can't be used to make a claim that the advertiser itself can not substantiate. My suspicion of fraud is solidified by the fact that Citi has received no response from the merchant proving their claims and refuting mine.
When I explained my dispute to the Citi representative that took my initial claim he suggested I file with Goods and Services not as described or defective. As a cardholder I must meet the following : I engaged in the transaction. I am not disputing they did a procedure ; I am disputing because there has been no proof from the vendor they performed the procedure I paid for, it was performed correctly, or if it works at all. If there was any clinical merit to what they are selling why would they still present stock photos as actual patients? For that matter why are so many other vendors offering the same service employing the same subterfuge?
I contacted the merchant and attempted to resolve the dispute. The XXXX procedure allegedly took up to 12 weeks to work. My resolution culminated with my calls not being returned and showing up to a locked office with the lights out for my final appointment.
The merchant refused to refund my money.
Plus the following : The service was either not performed correctly or could not be used for the intended purpose. And the XXXX service did not conform to their false and deceptive advertising using stock photos claimed to be real patients. Under US common law as you know contracts become voidable when they are obtained using fraud and deceit. XXXX XXXX XXXX, XXXX also finds himself in violation of the AMA Ethics Opinion.
In conclusion I am asking that Citi give a proper review to my dispute and not once again dismiss it without looking at the law and ethical violations that occurred in this transaction.
American Medical Association Code of Medical Ethics Opinion 9.6.1 Because the public can sometimes be deceived by the use of medical terms or illustrations that are difficult to understand, physicians should design the form of communication to communicate the information contained therein to the public in a readily comprehensible manner. Aggressive, high pressure advertising and publicity should be avoided if they create unjustified medical expectations or are accompanied by deceptive claims. The key issue, however, is whether advertising or publicity, regardless of format or content, is true and not materially misleading.
Nothing in this opinion is intended to discourage or to limit advertising and representations which are not false or deceptive within the meaning of Section 5 of the Federal Trade Commission Act. At the same time, however, physicians are advised that certain types of communications have a significant potential for deception and should therefore receive special attention. For example, testimonials of patients as to the physicians skill or the quality of the physicians professional services tend to be deceptive when they do not reflect the results that patients with conditions comparable to the testimoniants condition generally receive.
Objective claims regarding experience, competence, and the quality of physicians and the services they provide may be made only if they are factually supportable. Similarly, generalized statements of satisfaction with a physicians services may be made if they are representative of the experiences of that physicians patients.
Because physicians have an ethical obligation to share medical advances, it is unlikely that a physician will have a truly exclusive or unique skill or remedy. Claims that imply such a skill or remedy therefore can be deceptive. Statements that a physician has an exclusive or unique skill or remedy in a particular geographic area, if true, however, are permissible. Similarly, a statement that a physician has cured or successfully treated a large number of cases involving a particular serious ailment is deceptive if it implies a certainty of result and creates unjustified and misleading expectations in prospective patients.
Consistent with federal regulatory standards which apply to commercial advertising, a physician who is considering the placement of an advertisement or publicity release, whether in print, radio, or television, should determine in advance that the communication or message is explicitly and implicitly truthful and not misleading. These standards require the advertiser to have a reasonable basis for claims before they are used in advertising. The reasonable basis must be established by those facts known to the advertiser, and those which a reasonable, prudent advertiser should have discovered. Inclusion of the physicians name in advertising may help to assure that these guidelines are being met.
https : XXXX
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| 02/20/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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Imposter Fraud XXXX and Wire transactions Day 1 : On XX/XX/XXXX, I was using my personal laptop to open a Roth IRA account with XXXX. After I transferred the money from my bank into the Roth IRA accounts, I was attempting to access my school retirement website, again using my personal home XXXX laptop. I was getting a security message site unsafe. I was able to get on this site using my school XXXX laptop, so I used XXXX search to look up the number for XXXX Support/Help thinking something was wrong with my personal home laptop. XXXX XXXX answered the phone introducing himself as an XXXX agent and determined my laptop was hacked and they already were getting into my bank account. Because I was using my laptop less than an hour ago to transfer money from my checking and savings account and because I was getting a security alert on my retirement webpage, I assumed he was correct that my computer was hacked, they accessed my bank information, and that what was causing the site unsafe message to come up when I tried to get into my retirement account. He transferred me over to XXXX XXXX who gave me his phone number ( XXXX ), his XXXX employee number ( XXXX XXXXXXXX ) and a case number ( Case # XXXX ) He told me he was an associate of the fraud department for XXXX Support. He told me my laptop and phone had been hacked and asked me to delete every app on my phone I do not use so he can check the ones that are left to see what apps they had access to.
After I did that, he determined that someone had access to my emails, XXXX and Citibank apps. He said they were withdrawing money and we would immediately need to start making dummy accounts for the same amount of money made out to the person who was withdrawing the money which would block their transfer from being withdrawn. He asked me to put the app XXXX on my phone so he can screen share with me and talk me through how to transfer the money. XXXX said there were 4 withdrawals in progress coming from XXXX, New Mexico, XXXX and Nevada. Once he was screen sharing with me, he asked me to go into my Citibank app and showed me how to set up a XXXX account. He then told me step by step how to transfer {$500.00} from my checking account through XXXX to XXXX XXXX. He then took me through the steps on my Citibank account webpage on how to wire {$15000.00} from my savings account to XXXX XXXX. In the notes for each transaction, he instructed me to put CAP and that code would be recognized by the bank to block this transaction and the hacked withdrawal requests.
He then asked me to go to my text messages/email and open the text messages/emails that were sent by Citibank. He was still screen sharing and saw Citibank was asking if I authorized the transfer he told me to press 1 for yes. I also got a fraud alert text from Citibank asking if I was aware of the money being taken out he told me to click on Yes. Then XXXX told me to immediately delete the texts and emails so the people hacking my account cant read them. He told me the emails and texts came so quickly because they were fake Citibank messages that the hackers send out so they can determine if I am trying to block the transaction. XXXX told me to answer both as if I was aware of the transactions so we could confuse the hackers and keep them active in trying to access money since he was working with the FBI and the longer they stay active, the better chance they can track where the hackers are and get a conviction.
XXXX sent me text messages with name/bank information. These text messages were gone after I went into the XXXX store to have a complete factory reset done on my phone to eliminate anything that may have been installed on my phone through the XXXX app. ( per XXXX support recommendation ) but I took screenshots of the transactions and can provide the information for most of the transactions made if needed. After each wire transaction, XXXX told me I should expect a phone call and if that comes, I should say I know the person I sent the money to, that the person did renovations on my home and the money wired was payment for that work. XXXX told me to give the person all the information they asked for, including bank account XXXX XXXX XXXX XXXX He told me with the XXXX app I installed, he would be able to listen and track any calls I get. Since our dummy transactions blocked the money from leaving my account, giving the hackers my bank information could do no harm. XXXX told me he was working closely with the FBI and telling the hackers on the phone that I knew the person I wired money to would confuse the hackers and give the FBI more time to keep investigating and get a conviction. I never received a phone call that showed up as unknown on my phone that XXXX was expecting. XXXX told me he had a 90 % conviction rate of all cases he handles and because I caught the hackers before they actually were able to obtain the money from my account, the FBI would have a much better chance of convicting them. He said they already found and convicted one of the hackers and were close to catching another.
During this whole time, he told me not to open my laptop and not to open my Citibank accounts because if I did, it would open my bank accounts up to more people who were stealing my money. He warned me not to tell anyone about this because many times this crime is committed by someone the person knows possibly a relative or a roommate who might have access to banking information. XXXX told me since I was hacked, he would be installing an XXXX protection system on both my laptop and XXXX, a strong protection installation that people usually have to pay for. It will protect me from this ever happening again. But until that was put on, my devices were still at risk, thus, dont open my Citibank account. The protection system would have to wait to be installed until we set up all the dummy accounts to block the hackers.
Day 2 : The next day, XX/XX/XXXX, XXXX XXXX talked me through another XXXX transfer from my checking account to XXXX XXXX for {$500.00}. When Citibank confirmation came in my email, he had me open them, then immediately delete them and then delete them from trash. XXXX said the hackers can read my emails and we dont want them to see that the transfer went through. He then talked me through another {$15000.00} wire transfer from my savings account to XXXX XXXX and once again had me read, say it wasnt fraud then delete all texts and emails from Citibank concerning those transactions. He then asked if I could take a picture of my drivers license front and back and text that to him so he could use it for security to block a business trying to withdraw money. That is the transaction that I did not take notes on as far as how much was being wired. He gave me the name of XXXX XXXX from XXXX XXXX sent through a XXXX Routing Number from the XXXX XXXX XXXX XXXX. I do not have notes indicating what the money amount was for this transaction and I have not seen any money being withdrawn from my checking or savings account under this name.
He then asked me to again go to my text messages/email and open the text messages/emails that were sent by Citibank. He was still screen sharing and saw Citibank was asking if I authorized the transfer he again told me to press 1 for yes. I also got a fraud alert text from Citibank asking if I was aware of the money being taken out he again told me to click on Yes. Then XXXX told me to immediately delete the texts and emails so the people hacking my account cant read them. He pointed out some information in the texts that identified them as being sent from hackers and not from Citibank. Again, confirming I agreed to these transactions to the fake Citibank texts were done to confuse the hackers giving the FBI more time to find them and convict.
XXXX again sent me text messages with name/bank information. After each wire transaction, he told me I should again expect a phone call and if that comes, I should say I know the person I sent the money to, that the person did renovations on my home and the money wired was payment for the work. He again told me to give the person all the information they asked for, including bank account numbers/social security numbers . He told me with the XXXX app I installed, he would be able to listen and track any calls I get. Since our dummy transactions blocked the money from leaving my account, giving the hackers my bank information could do no harm. XXXX told me he was working closely with the FBI and telling the hackers on the phone that I knew the person I wired money to would confuse the hackers and give the FBI more time to keep investigating and get a conviction. I never received a phone call that showed up as unknown on my phone that XXXX was expecting. XXXX told me he had a 90 % conviction rate of all cases he handles and because I caught the hackers before they actually were able to obtain the money from my account, the FBI would have a much better chance of convicting them. He said they already found and convicted one of the hackers and were close to catching another.
During this whole time, he told me not to open my laptop and not to open my Citibank bank accounts. He warned me not to tell anyone about this because many times this crime is committed by someone the person knows possibly a relative or a roommate who might have access to banking information.
Day 3 : The last wire transfer was on Thursday, XX/XX/XXXX XXXX XXXX talked me through sending XXXX XXXX {$20000.00} from my savings account and reading/saying I knew of transfers and it wasnt fraud/deleting Citibank alert emails and texts. ( see day 1 and 2 for explanation on why he had me do this ). Shortly after this transaction, I called my boss at work to inform her I was running late and told her what was happening to my bank account that I was being hacked and XXXX Support was helping me block the transactions and working with the FBI to catch the people who had access to my bank account. My boss mentioned what was going on to a co-worker who then called me and said a friend of hers had something similar happen and it was fraud they were using her to access her bank account to steal her money. She advised me to call XXXX ( and gave me a correct XXXX XXXX phone number. ) I called XXXX and after giving them the first three numbers of XXXX XXXX Case number, they said that is not an XXXX Case number and I should immediately call my bank. I then received a text message from XXXX XXXX telling me that they have evidence that someone I know is one of the hackers with access to my bank account and I should call him immediately so he can give me the information. ( my co-worker called XXXX from her work phone and yelled at him for stealing money, which is why XXXX texted me about a friend in on the sceme ). I blocked his phone number and began receiving phone calls from XXXX XXXX, CA ( XXXX ) and XXXX TX ( XXXX ) which I also blocked. I immediately called Citibank and reported the XXXX and wire transactions and they eventually locked both my checking and savings accounts. When I called Citibank I had a hard time getting through to the fraud department since my call kept dropping. I began asking for a direct number and giving my phone number to associates in case they lost the call while I was giving information. There were times where the Citibank associates said my account didnt exist and wouldnt put me through to the fraud department. Citibank can go through the recorded phone calls I made that evening begging them to not drop my call again because earlier in the evening when I began trying to contact Citibank, the last wire transfer did not clear yet and I was hoping they could block that transaction before it went through, but because of how difficult it was ( and time consuming ) to get to the right department, the last wire transfer cleared and was not able to be blocked.
I opened a new checking account with Citibank on Saturday, XX/XX/XXXX and transferred what was left from my savings into the new checking account so the hacked accounts would have a XXXX balance. I also went to the XXXX XXXX and had a complete factory reset done on my phone ( per XXXX XXXX recommendation ) in case the XXXX app installed a profile or something to continue tracking my activity on my phone.
I reported this to the XXXX Police Department on XX/XX/XXXX, the FBI on XX/XX/XXXX and the Federal Trade Commission, the Federal Bureau of Investigation on XX/XX/XXXX and the Office of the Attorney General, IL. I also sent Citibank notarized Affidavits of Unauthorized Online Wire Transfers on XX/XX/XXXX per their request through a letter I received in the mail from Citibank. A separate affidavit was sent for each of the 3 wire transactions. I also sent Citibank a complete explanation of the XXXX transactions per their request over the phone when I requested my first appeal.
Citibank response Citibank Response : XXXX XXXX- I reported this fraud scam to Citibank on XX/XX/XXXX. They told me to report to the Police and to the FBI. Those reports were to be used to help prove this was a criminal case of XXXX. Citibank told me the investigation would take 30 90 days and I should expect an agent to call me to gather more information before a decision would be made. I received a letter from Citibank dated XX/XX/XXXX denying my XXXX claims citing the activity appears to be consistent with your normal banking activities. I immediately called them and questioned how this activity was consistent with my banking activity when I never had a XXXX account before in my life ( since the scammer had to screenshare to help me set up the account ) and to ask if they even took the time to investigate what happened since a decision was made in only 5 days. The associate re-opened my case for an appeal and asked me to send in a written document of exactly what happened which will be attached to my appeal for reconsideration. I faxed that directly to the Retail XXXX Operations Department of Citibank and was told it may take up to 45 days to investigate. They received my inquiry on XX/XX/XXXX, and once again, 6 days later, sent me a letter dated XX/XX/XXXX saying after additional review of my case, we maintain our position to deny your claim. I called requesting a 3rd appeal which was once again denied in a letter dated XX/XX/XXXX. The letter states that You are entitled by law to obtain copies of the information used in our investigation. When I received the letter on XX/XX/XXXX, I called Citibank and requested this information which I assume will prove on their end that this was consistent with my normal banking activities and show my previous XXXX activity ( which there is none ). I have not received any letter from them yet with this information.
Citibank Response Wire Transfers : I recently received a letter from Citibank dated XX/XX/XXXX stating they also denied the transactions for the total amount of {$50000.00} stating : We have completed our investigation of your fraud claim and the decision was based on : Claim was denied due to the fraud reported was caused by providing customer account information or authorization for the transactions that were determined to be a scam.
|
| 10/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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I had a Costco Anywhere Visa credit card account and Citibank decided to close the account because of a dispute I had with Citibank regarding a Best Buy Visa credit card account.
In a letter dated XX/XX/XXXX, Citibank stated that I could contact them for a reopen review once the card expired. The card has since expired and I contacted Citibank regarding a reopen review on XX/XX/XXXX and received a reply on XX/XX/XXXX and the issue of a reopen review was not addressed in the XX/XX/XXXX response.
It seems that Citibank is more interested in providing hasty responses just to say they responded rather than work to resolve the issue.
I had a Costco Anywhere Visa card that expired in XX/XX/XXXX.
I was notified that my Costco Anywhere Visa card would not be renewed due to a charge off or bankruptcy on another credit card account issued by Citi. ( Attached to this e-mail as Exhibit A ) The charged off account does not appear on my credit report with any of the three major credit bureaus.
Below is a true and exact copy of the e-mail that was sent to Citibank regarding a reopen review request. I am also providing a copy of Citibank 's response.
I was informed on XX/XX/XXXX, that because the Costco Anywhere Visa was active at the time that Citi was unable to review it for reopen at that time and that the account will remain active until the expiration of the card. The letter also stated " should we decide to close the account at that time, you may contact us fro a reopen review. '' ( Attached to this e-mail as Exhibit B ) I would like to know how to go about having the account reviewed for reopened.
On XX/XX/XXXX, and before the card expired and before I had the opportunity to ask for a reopen review and before a reopen review was conducted, I was informed that my account did not qualify to be reissued because of a bankruptcy or a charge off on another credit card account issued by Citi. For this reason, the account was closed upon the expiration of the card and as explained in your Card Agreement, we may close you account for any reason, or for no reason. ( Attached to this e-mail as Exhibit C ) It appears that the person who wrote the XX/XX/XXXX letter did not pay attention to the expiration date of the card and did not read or even peruse/review the XX/XX/XXXX letter even though the XX/XX/XXXX letter was referenced in the XX/XX/XXXX letter.
In your letter dated XX/XX/XXXX, you stated that my Costco Anywhere Visa account is expiring soon. Were unable to send you a new card due to a bankruptcy or a charge-off on another credit card account issued by Citi. Once the card expires you will no longer be able to use it.
The least sophisticated consumer/person would interpret this as Citi is closing the account and not issuing/reissuing a new card.
I have not filed for bankruptcy and there was no bankruptcy pending at the time of Citis review of my account and when Citi made the decision not to reissue me a new Costco Anywhere Visa credit card.
Is this decision in response to the My Best Buy Visa credit card account case?
Please specify which Citi credit card account you are referencing or referring to that was charged-off.
In the Best Buy case you refused to work with me to resolve the case without litigation claiming that a settlement was not available and kept telling me to call back to have the account re-evaluated for a settlement. You also claimed that a representative would assist me in determining if there were available programs that fit my needs and each time I called and asked about a settlement or any programs Citi declined to provide any information about so called programs and that a settlement was not available. At one point your representative XXXX XXXX even claimed that government regulations and or the law prohibited Citi from making or offering to settle the account for less than the full balance. Citi even sent an e-mail stating payment solutions may enable you to, among other things : settle for less than your total balance, payable in up to 3 installments, lower your interest rate, reduce your monthly payments however, you never offered any of those solutions to me. Then you referred the account to a collection agency XXXX XXXX XXXX which eventually referred the account back to you. Then you referred the account to XXXX XXXX a collection law firm based out of Florida with offices in Georgia. XXXX XXXX filed suit on XX/XX/XXXX. The case was settled on XX/XX/XXXX.
Then complaints were submitted to the Consumer Financial Protection Bureau ( CFPB ) and the XX/XX/XXXX ( XX/XX/XXXX ).
Citi responded to the CFPB complaint with a letter dated XX/XX/XXXX, which stated as stated in the letter dated XX/XX/XXXX, which you enclosed in your inquiry, our decision was made due to a bankruptcy or a charge-off on another credit card account issued by Citi. Because the above-referenced account is still open and active, we are unable to review it for reopen at this time. The account will remain active until the expiration of your current card. Should we decide to close the account at that time, you may contact us for a reopen review.
Your response to the XX/XX/XXXX ( XX/XX/XXXX ) is different from your response to the Consumer Financial Protection Bureau ( CFPB ).
In your response to the XX/XX/XXXX you make no mention of a reopen review instead, you state that as part of our reissue process, we review accounts prior to the expiration date. Your account did not qualify to be reissued because of a bankruptcy or charge-off on another credit card account issued by Citi. For this reason, the account was closed upon the expiration of your card.
Your response also stated that as explained in your Card Agreement, we may close your account for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law. In other words the Card Agreement allows you to close the account for any reason or no reason and that you have decided to exercise this right under the Card Agreement.
Your responses to the Consumer Financial Protection Bureau and the XX/XX/XXXX are confusing. Please clarify the following : In your XX/XX/XXXX, response to the CFPB complaint you state the account will remain active until the expiration of your current card. Should we decide to close the account at that time, you may contact us for a reopen review. In your response to the XX/XX/XXXX, you state that my account did not qualify to be reissued because of a bankruptcy or a charge-off on another credit card account issued by Citi and for this reason the account was closed upon the expiration of the card. Please clarify the differences in your responses.
When the Costco Anywhere Visa card expires will the Costco Anywhere Visa account close?
If the Costco Anywhere Visa account does not close upon the expiration of the card and after Citi made the decision not renew or reissue the card, please explain why the account will not close and remain open.
When will you notify me of your decision to close the account?
If I contact you for a reopen review will you actually conduct a reopen review or just tell me that after your reopen review you are unable to reopen the account just like you did in the Best Buy case regarding a settlement?
Will you take a reopen request by me seriously and actually consider reopening the account and or reissuing the Costco Anywhere Visa credit card or just send me a letter ( including a form letter ) stating that after a review and careful consideration we are unable to reopen the account or reissue you a Costco Anywhere Visa Credit card account citing some policy, the Card Agreement, a generic statement claiming government regulations and or the law, or citing information obtained from a credit bureau?
How is a reopen review conducted?
What information is required or needed and what information do you look at when conducting a reopen review?
Will you ask me for additional information? If not, why?
What will a reopen review accomplish?
If you decide to reopen the Costco Anywhere Visa account, will a new card be issued to me? If so, when will the new card be issued?
If a reopen review is conducted an you decide not to renew that account or reissue me a new Costco Anywhere Visa credit card, will you provide a detailed explanation of how you conducted a reopen review ( including steps taken and information used ) and how you made the decision not to reopen the account/reissue a new Costco Anywhere Visa credit card and not just provide me with a cursory form letter or a letter stating that due to a bankruptcy or charge-off on another credit card account issued by Citi, stating that government regulations and or the law ( without identifying with specificity any and all government regulations and laws you are referring to or relying upon, citing a credit report and score obtained from a credit bureau, and stating that the Card Agreement states and allows us to close your account for any reason or no reason and that we may do this at any time without notifying you as allowed by law?
Please explain why your response to the CFPB is different from your response to the XX/XX/XXXX
Please explain why the person who wrote the XX/XX/XXXX letter makes reference to the XX/XX/XXXX letter that he/she did not read/review and it is obvious that the letter was not read/reviewed by the person who wrote the XX/XX/XXXX letter because at the time the letter was written the XXXX Anywhere Visa credit card had not expired and there is no mention of a reopen review as mentioned in the XX/XX/XXXX letter. The XX/XX/XXXX letter simply states that because the Card Agreement states that we may close your account for any reason or for no reason and that we may do this at any time, without notifying you, as allowed by law. In other words the contract says that we can close your account at any time with or without a reason and that's what we've decided to do.
If a reopen review is requested and conducted by you and you decide not to reopen the account, will you accept a settlement for less than the full balance?
Please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account and how you calculated and came up with this amount. THIS IS NO WAY IS AND SHALL NOT BE CONSTRUED AS AN ADMISSION OF LIABILITY OR AN ADMISSION OF INDEBTEDNESS TO YOU OR YOUR CLIENT BY ME AND WILL SERVE AS NOTICE TO YOU AND/OR YOUR CLIENT THAT I HAVE STRONG DEFENSES TO ANY LAWSUIT OR LITIGATION FILED BY YOU OR YOUR CLIENT. THIS IS AN ATTEMPT BY ME TO SETTLE AND FULLY RESOLVE THIS MATTER/ACCOUNT SO THAT NO FURTHER ACTION OR LITIGATION IS NECESSARY/REQUIRED. If not, please explain why not?
In addition, are you prepared to remove this account from my credit report with the three major credit bureaus ( XXXX, XXXX, and XXXX ) in exchange for any payment to fully settle or resolve the account? If so, please state the time period for you to remove the account from my credit report? If not, please explain why? If you are claiming government regulation and/or the law prohibits you from removing the account from my credit report with the three major credit bureaus please state and identify with specificity the government regulation and/or law including the specific code section that you and/or your client are relying upon and/or claiming prohibits you and/or your client from removing this account from my credit report and refrain from generalizations such as including without limitation to under/according to government regulations and federal law. If you are claiming that the Fair Credit Reporting Act ( FCRA ) prohibits you and/or your client from removing my account from my credit report from the three major credit bureaus, please identify the specific section ( s ) of the FCRA that prohibits you and/or your client from removing this account from my credit report with the three major credit bureaus. My copy of the Credit Card Agreement states We may report ( emphasis on we may ) and NOT we are obligated, mandated or required ) information about your account to the credit bureaus. The Credit Card Agreement does not mandate credit reporting and does not prohibit you and/or you client from removing this account from my credit report with the three major credit bureaus. Additionally, the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 est seq. does not mandate or require a creditor to report information about any consumer to any credit bureau 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). According to the Statement of Purpose for the FCRA states The purpose of the FCRA is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. While the FCRA offers protections to consumers, offers consumers the right to know what is in their credit file, rules and procedures regarding disclosure and use of a consumers credit report, requires that the information that is reported in a consumers file be accurate, guidance on how to dispute information and what procedures that need to be followed in the event that a consumer disputes any information contained in his/her credit file and civil remedies available to consumers for non-compliance. I know this to be untrue because in the Best Buy case the account was removed from my credit report as described later in this letter. If you are claiming that you can not remove this account from my credit report because of some government regulation or law, please explain how you were able remove the Best Buy account from my credit report with the three major credit bureaus. Your failure to properly address this issue of credit reporting by failing or refusing to respond appropriately and to answer a specific and/or direct question regarding credit reporting and/or providing unhelpful, incomplete, and cursory answers or response will not be accepted and/or tolerated.
When responding please do not respond with please accept this notice that we are investigating the customers concerns and we will respond directly to the customer, if applicable, via phone, email, or mail within 15 days, with form letters, selectively respond to only portions of the complaint/letter that you want or feel like answering, please do not provide unhelpful, incomplete, or cursory answers or responses, please do not carelessly or mindlessly invoke the usual litany of rote responses such as and including without limitation to we are required by government regulation or federal law without identifying the specific government regulation or law ( including code section and specific section of the law ) you are referring to and or citing the customer agreement for example stating that you can not reissue the card even though the customer agreement states that you can/may reissue a different card
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| 11/03/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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See below the numerous emails and attempts that I have made to contact the lender. The home owner filed bankruptcy, the property is vacant and it is upside down. The property is on the market, has been marketed and both lien holders have conducted interior bpo values. We have a procured a bonafide buyer who is cash and can close in a matter of weeks. The first lien holder has issued the approval and the 2nd lien holder CITI is forcing the file to foreclosure. They are in 2nd position and the single point of contact, the executive response unit and the executives and short sale department at CITI are completely ignoring all of our emails, our requests and we have a short sale approval from the first that is going to expire. We have the sent the offer, proof of funds, buyers docs , supporting short sale docs and the HUD with the approval from the first. The lack of response, the lack of care and negligence on this file should not be tolerated. The single point of contact promised an email 2 weeks ago and he has not yet sent an email, he is has an act of duty and care to our mutual client and he is failing to cooperate, he has violated a lot of rules and it should not be tolerated. The short sale department and CITI executives are all in receipt of the email and not one of them has responded. We have a mutual client who is approved to do a short sale and wants to move on with her life and Citi is holding her back. They are asking her to do a loan modification, why would a borrower that filed BK, and has moved out of the home, that is now vacant and upside down do a loan mod? They are clearly stalling the short sale process and the first short sale approval letter is about to expire. There is also a foreclosure sale date. They are in 2nd position and can not dictate the sale. It is unfair, unethical, misleading and lack of care - See below the emails and I am attaching all the emails I have sent to everyone at CITI and not one response.
THIS IS MY FINAL EMAIL TO CITI MORTGAGE before a complaint is filed with the CFPB, OCC and HUD
You can clearly see from the numerous emails I have sent that the negligence and lack of care on CITI MORTGAGES end has violated a lot of the regulations and is potential forcing the seller to get foreclosed on. If this is not resolved in its proper manner the complaint will be filed.
We have an approval on the first mortgage. We have a cash offer , and we are ready to close. Citi mortgage has the BPO values in , we have the sent the cash offer, proof of funds, HUD and we are ready to close. The lack of communication, follow up and lack of care are causing the file to be delayed. The SPOC has failed to send an email as promised last week and failed to submit the file for an approval.
Citi is in 2nd position. They can not dictate the sale. The first has offered $XXXX to release the lien. The did not require the owner to do a modification so why would Citi want a home to submit for a modification on a vacant home when the first lien holder has not offered a modification and issued a short sale approval. It makes no sense and the SPOC clearly is not educated on the process. He also could not answer any of my questions on the deadlines and his lack of education and follow up could force out mutual client to foreclosure.
I am URGENTLY asking that CITI issue an approval and we will close next week. Please do the right thing and issue the short sale approval.
--------- Original Message ---------
Subject: RE: * URGENT- CitiMortgage-XXXX XXXX XXXX]-Executive Response Unit From: XXXX
Date: XX/XX/XXXX XXXX XXXX
To: "XXXX XXXX XXXX '"
Cc: XXXX, "'XXXX XXXX XXXX '" , "'XXXX'" XXXX
Can one of you please send a courtesy repsonse. XXXX why are you not actively working or repsnding to our emails or requests. You are affecting the sale and could potential have this property go to foreclosure with your lack of follow up. This is unacceptable.
I will be esclkating this to the Vice President of Citi, the CFPB, OCC and HUD.
Thank you
--------- Original Message ---------
Subject: RE: * URGENT- CitiMortgage-XXXX XXXX XXXX]-Executive Response Unit From: "XXXX XXXX"
Date: XXXX XXXX XXXX
To: "XXXX XXXX XXXX '"
Cc: XXXX, "'XXXX XXXX XXXX '" , "'XXXX'"
XXXX
Can you confirm that the email below was received and it is being addressed. The SPOC has failed to send me the email with the request for docs and I do not have the time to keep emailing him as well as chasing him to follow up on a file.
We have a mutual client that is being drastically affected by this and it will not be tolerated.
I was promised an email last week of missing docs, I still do not have anything and still to date the borrower has not received a letter or call from anyone at CITI explaining the new guidelines, if in fact they were put in place and the lack of care and negligence on this file will not and should not be tolerated.
We have a cash buyer, and approval from the first lien holder as well as a scheduled foreclosure and of CITI fails to cooperate they will get $XXXX in a foreclosure when the first is offering them $XXXX to release the lien through short sale.
I will take this further if I do not get a response today as this is now becoming unacceptable.
Thank you
From: XXXX XXXX XXXX
Sent: Thursday, XX/XX/XXXX XXXX XXXX To: 'XXXX XXXX XXXX '
Cc: XXXX ; 'XXXX, XXXX XXXX ' ; 'XXXX'
Subject: RE: * URGENT- CitiMortgage-XXXX XXXX XXXXt]-Executive Response Unit Importance: High
XXXX
Do we have an escalation emails or an executive response team member that can take this file over.
I spoke with XXXX yesterday and he was supposed to send me an email on missing docs and no email has been sent. I cannot stress that the lack of care, and follow up on this file is causing the file to be at the stage of where it is. XXXX closed the file when we repeatedly explain we had an approval from the first and we need approval from Ciit. After 5 emails and several VMS and escalations we receive a call to say the rules had changed.
He also stated that the CFPB changed the regulations last week that all home owners had to try modification first before a short sale.
I have explained over and over that we have had this file in process for weeks now and well before the change- which I have emailed the CFPB to verify. This change per XXXX was not sent in disclosed to the home owner nor the agents. ANY CHANGES to the owners account should be relayed to the owner and the agents in writing as soon as possible. This was and still has not been disclosedto the seller. Failure to disclosure is a violation. The longer we leave this property to sitting vacant the more chance we have that squatter will occupy it, damage it, decrease it values and make it impossible for us all to sell it
I can not stress how much we need this file escalated.
Citi mortgage has the bpo values in
We have approval from the first
We have a cash buyer
We are set to close and need Citi to submit the offer, buyers pof and hud, along with the approval we sent for an approval.
Thank you.
From: XXXX XXXX XXXX XXXX
Sent: Tuesday, XX/XX/XXXX XXXX XXXX
To: 'XXXX XXXX'
Cc: XXXX
Subject: RE: * URGENT- CitiMortgage-XXXX XXXX XXXX]-Executive Response Unit XXXX, I need to even still ID this one? I am not actively working on this matter in any capacity! I would make contact with your agents at Citi who are working it
XXXX XXXX Executive Response Specialist | CitiMortgage Executive Response Unit | XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX
Direct #XXXX Fax: XXXXXXXX
The information contained in this e-mail message is proprietary and confidential business information and is intended only for the personal and confidential use of the recipient(s) named above. If the reader of this message is not the intended recipient or an agent responsible for delivering it to the intended recipient, you are hereby notified that you have received this document in error and that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify the sender immediately by e-mail and delete the original message.
From: JXXXX XXXX XXXX
Sent: Monday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX XXXX XXXX Cc: XXXX
Subject: RE: * URGENT- CitiMortgage-XXXX XXXX XXXXXXXXExecutive Response Unit XXXX
Do we have any update on this loan and hopefully approval letter?
Thank you
From: XXXX XXXX XXXX XXXX
Sent: Friday, XX/XX/XXXX XXXX XXXX
To: 'XXXX XXXX'
Subject: RE: * URGENT- CitiMortgage-XXXX XXXX XXXX]-Executive Response Unit
We are working to get it into the right hands asap!
XXXX XXXX Executive Response Specialist | CitiMortgage Executive Response Unit | 1XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX
Direct #XXXX Fax: XXXXm
The information contained in this e-mail message is proprietary and confidential business information and is intended only for the personal and confidential use of the recipient(s) named above. If the reader of this message is not the intended recipient or an agent responsible for delivering it to the intended recipient, you are hereby notified that you have received this document in error and that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify the sender immediately by e-mail and delete the original message.
From: XXXX XXXX XXXX Sent: Friday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX XXXX XXXX Subject: RE: * URGENT- CitiMortgage-XXXX XXXX XXXX]-Executive Response Unit Loan #XXXXXXXXX
Payoff attached,
From: XXXX XXXX XXXX XXXX
Sent: Friday, XX/XX/XXXX XXXX XXXX
To: 'XXXX XXXX'
Subject: RE: * URGENT- CitiMortgage-XXXX XXXX XXXX]-Executive Response Unit Had I worked on this case before? I am not finding even a loan number
XXXX XXXX Executive Response Specialist | CitiMortgage Executive Response Unit | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Direct #XXXX Fax: XXXX
The information contained in this e-mail message is proprietary and confidential business information and is intended only for the personal and confidential use of the recipient(s) named above. If the reader of this message is not the intended recipient or an agent responsible for delivering it to the intended recipient, you are hereby notified that you have received this document in error and that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify the sender immediately by e-mail and delete the original message.
From: XXXX XXXX XXXX
Sent: Friday, XX/XX/XXXX XXXX XXXX
To: XXXX, XXXX XXXX XXXX Subject: RE: * URGENT- CitiMortgage-XXXX XXXX XXXX]-Executive Response Unit XXXX XXXX.
From: XXXX XXXX XXXX XXXX
Sent: Friday, XX/XX/XXXX XXXX XXXX
To: 'XXXX XXXX'
Subject: RE: * URGENT- CitiMortgage-XXXX XXXX XXXX]-Executive Response Unit Who is the Seller name here, please?
XXXXXXXX XXXX Executive Response Specialist | CitiMortgage Executive Response Unit | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Direct #XXXX Fax: XXXX
The information contained in this e-mail message is proprietary and confidential business information and is intended only for the personal and confidential use of the recipient(s) named above. If the reader of this message is not the intended recipient or an agent responsible for delivering it to the intended recipient, you are hereby notified that you have received this document in error and that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify the sender immediately by e-mail and delete the original message.
From: XXXX XXXX XXXX
Sent: Friday, XX/XX/XXXX XXXX XXXX
To: XXXX XXXX XXXX XXXX]
Cc: XXXX XXXX XXXX XXXX
Subject: * URGENT- CitiMortgage-XXXX XXXX XXXX]-Executive Response Unit Importance: High
COMPLAINT TO BE FILED IMMEDIATELY
XXXX
I have now sent you 5 emails, I have called and left VMs on behalf of our mutual client and you have yet to respond. I have expressed over and over we have the approval letter from the first lien holder and I have sent you the approval , offer, HUD and buyers POF and ask that you escalate the written approval letter from Citi so we can close by the end of the month.
This loan is not getting paid in full and is in 2nd position.
Your lack of responses show lack of care, and negligence on this account
XXXX, you have been excellent in the past and I am asking if you can please step in. Please see below all emails and can you please help me obtain a written approval from Citi. We want to close by the end of the month. The bpo values are in and we have a complete packet and approval from the first. We want to close by end of month
Thank you very much
From: XXXXXXXX XXXX XXXX
Sent: Monday, XX/XX/XXXX XX/XX/XXXX XXXX To: 'XX/XX/XXXX'
Cc: 'XXXXXXXX' ; 'XXXX'
Subject: RE: CitiMortgage-XXXX XXXX XXXX]-Executive Response Unit Importance: High ***FINAL REQUEST*** URGENT XXXX- 2ND REQUEST- WE ARE TRYING TO CLOSE BY THE END OF THIS WEEK.
Attached is the approval from the 1st lien holder and the HUD. You already in receipt of all other docs.
I need CITI to issue a short sale approval letter asap. The loan is not being paid in full and the buyers want to close on Monday
We need this rushed please.
What docs do you need to approve.
Attached is the Approval from the first lien holder.
Thank you
From: JXXXX XXXX XXXX
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: 'XXXX XXXX XXXX '
Cc: 'XXXX ; XXXX
Subject: RE: CitiMortgage-XXXX XXXX XXXX]-Executive Response Unit Importance: High
URGENT XXXX- 2ND REQUEST
I need CITI to issue a short sale approval letter asap. The loan is not being paid in full and the buyers want to close on Monday
We need this rushed please.
What docs do you need to approve.
Attached is the Approval from the first lien holder.
Thank you
FromXXXX XXXX
Sent: Wednesday, XX/XX/XXXX XXXX XXXX To: 'XXXX XXXX XXXX '
Cc: 'XXXX' ; XXXX Subject: RE: CitiMortgage-XXXX XXXX XXXX]-Executive Response Unit XXXX
This loan is NOT getting paid off in full. It is in 2nd position. Attached is the approval from the first.
Please issue asap the short sale approval from Citi so we can close.
Thank you.
--------- Original Message ---------
Subject: RE: CitiMortgageXXXX XXXX XXXX]-Executive Response Unit
From: "XXXX XXXX"
Date: XX/XX/XXXX XXXX XXXX
To: "'XXXX XXXX XXXX '"
Cc: "'XXXX'"
Can you send me an updated payoff good through 30 days
Thank you
|
| 11/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Everything you are about to read pertains to a dispute filed with the dispute center of Citibank , N.A . The dispute case involves a solitary transaction that is directly related to the business entity known as XXXX XXXX XXXX XXXX XXXXfor short and is part of XXXX bilking scheme as it is detailed in the FTCs complaint document. The transaction date of this transaction is XX/XX/XXXX and the amount is {$8300.00}. The case number of the dispute is XXXX.
Additionally, the transaction being disputed is the result of a good-faith purchase of a service from a merchantXXXXthat was not provided prior to XXXX being shut down by the federal court system on behalf of the Federal Trade Commission and now can not ever be provided by the merchant. Pursuant to that reality, I feel that I am justly entitled to a full refund of the purchase price of the service that was not provided.
For your convenience in helping me get this dispute case resolved in my favor, a brief timeline of events between myself and the banking entitys dispute center is documented below.
On XX/XX/XXXX, I mailed a letter to the dispute center of Citibank , N.A . to get my dispute case ( XXXX ) reopened because it had been inadvertently given the wrong classification when the case was originally disputed in early XX/XX/XXXX.
On XX/XX/XXXX, I received an email from the dispute center informing me that my dispute case had been reopened and was now under review. The dispute initiation date that they assigned to my case was XXXX.
Also on XX/XX/XXXX, I received an email from the dispute center requesting additional information. And, via email response, I provided the requested information on that same day.
On XX/XX/XXXX, I received an email from the dispute center acknowledging that they had received my emailed response to their XX/XX/XXXX email requesting additional information.
On XX/XX/XXXX, I received a second email from the dispute center requesting additional information. And, via email response, I provided the requested information on that same day.
Also on XX/XX/XXXX, I received an email from the dispute center acknowledging that they had received my emailed response to their XX/XX/XXXX email requesting additional information.
On XX/XX/XXXX, I received an email from the dispute center informing me that they had contacted the merchant regarding my dispute case and were allowing the merchant until XXXX to respond. The XX/XX/XXXX deadline date was derived by taking the dispute initiation date ( XXXX ) and advancing it forward by 91 days.
Of note here is thatbased on my dealings with other banking entitiesthis variety of email is received when the dispute center considers the case to be essentially closed and ruled in my favor and that the X-day response period given to the merchant is only a following-protocol formality due to the dispute center knowing that theyregarding this particular merchantcannot and will not hear back from the merchant.
Also on XX/XX/XXXX a temporary credit of {$8300.00} was issued to my account. This action reduced the present outstanding balance from {$7400.00} to a negativeor creditamount of {$960.00}.
On XX/XX/XXXX, I received an email from the dispute center informing me that they had been contacted by the merchant ; that they were reviewing the information that the merchant had provided ; and that they would let me know the details of what the merchant had provided within 10 business days with the first of those 10 business days beginning on XX/XX/XXXX.
Of note here is that pursuant to the indefinite-duration Preliminary Injunction in effect against the merchantXXXXever since XX/XX/XXXX is that it is not possible for any dispute center to have heard from the merchantor XXXX. For proof of this communication impossibility, please visit the website provided below and click on Revised Stipulated Preliminary Injunction on the leftward region of your screen.
XXXX XXXX XXXX Also of note here is that considering the number of dispute cases the dispute center has been working on since and prior to XX/XX/XXXX, the dispute center should know by now that it is impossible for them to have received any variety of communication from the merchantXXXXand that any documentation received from any entity claiming to be the merchantXXXXshould be summarily dismissed as bogus and illegitimate and resultantly not taken into consideration while reviewing any dispute case.
On XX/XX/XXXX, I received an email from the dispute center providing me with the information received from the alleged merchant. This information took the form of a XXXX XXXX document that was an attachment to the message portion of the XX/XX/XXXX email. For this documents content, please see Attachment CB_ATCH_D.
Of note here, is that this information from the alleged merchant was delivered to me 22 days after the receipt of the XX/XX/XXXX email received from the dispute center instead of being received within the 10-business-day window specified in the dispute centers XX/XX/XXXX email.
Also on XX/XX/XXXX, I responded to the dispute centers XX/XX/XXXX email with an email which rebuked the contents of the document received by the alleged merchant and went on to further validate my dispute case.
On XX/XX/XXXX, I received an email from the dispute center acknowledging that they had received my emailed response to their XX/XX/XXXX email which rebuked the contents of the document received by the alleged merchant and went on to further validate my dispute case.
Of note here is that the dispute centers receiving of information from the alleged merchant and their receiving of my XX/XX/XXXX rebuttal email response had no impact on the dispute case initiation date of XXXX whichin turnshould have allowed no impact on the XXXX date in which my temporary credit was scheduled to become permanent in harmony with my dispute case becoming closed in my favor.
On XX/XX/XXXX, my temporary credit was reversed and my outstanding balance was restored to XXXX.
Of note here is that considering the reality of the impossibility of the dispute center having heard from the genuine merchant and the commonsense reality that the document received from the alleged merchant should have been summarily dismissed as being bogus and illegitimate, I feel that the dispute centers action on XX/XX/XXXX constitutes an unfair billing and business practice.
Also on XX/XX/XXXX, I contacted the dispute center via telephone regarding the reversal of my temporary credit. During the telephone conversation, I was told that the temporary credit would eventually be reissued to my account and that the original case closure date of XXXX would be pushed forward another 90 days to some point in time in XX/XX/XXXX.
Of note here is that again considering the reality of the impossibility of the dispute center having heard from the genuine merchant and the commonsense reality that the document received from the alleged merchant should have been summarily dismissed as being bogus and illegitimate, I feel that the dispute centers action on XX/XX/XXXX and what I was told by the dispute center via telephone conversation on that same day constitutes an unfair billing and business practice.
For your convenience in helping me get this dispute case resolved in my favor as it was scheduled to do on XX/XX/XXXX, I am including seven attachments which are named and described below.
CB_ATCH_A is a copy of the XX/XX/XXXX email I received from the dispute center informing me that they had contacted the merchant and had given the merchant until XX/XX/XXXX to respond.
CB_ATCH_B is a copy of the XX/XX/XXXX email I received from the dispute center informing me that they had received contact from the merchant and would be sending me the merchants response within 10 business days.
CB_ATCH_C is a copy of the XX/XX/XXXX email I received from the dispute center which contained the attached XXXX XXXX document received from the merchant.
CB_ATCH_D is a copy of the actual XXXX XXXX document that was attached to the XX/XX/XXXX email I received from the dispute center.
CB_ATCH_E is a version of CB_ATCH_D that I transitioned into a XXXX XXXX document and increased the font size to make the contents of CB_ATCH_D more easily read. Please note that the increasing of the font size was the only change made to the contents of CB_ATCH_D.
CB_ATCH_F is a copy of my email response to the XX/XX/XXXX email I received from the dispute center.
CB_ATCH_G is a copy of the email received from the dispute center acknowledging the receipt of my email response to the XX/XX/XXXX email I received from the dispute center.
Also for your convenience in helping me get this dispute case resolved in my favor as it was scheduled to do on XX/XX/XXXX, my issue with this particular banking entity and its dispute center is summarized below.
Even just a quick visual analysis of the contents of Attachment CB_ATCH_D reveals numerous elements.
1. The document was not composed upon the merchants logo-bearing stationary.
2. The document possesses no date specifying when the document was composed.
3. The document possesses no address identifying from where the document was mailed.
4. The document possesses no telephone number to be used as evidence that the document was faxed rather than mailed to the dispute center.
5. The document possesses no name indicating the identity of who composed the document.
6. The document contains verbiage professing that I made statements about the transaction being disputed which I never uttered either vocally or in writing to the dispute center.
7. The latter portion of the documents last paragraph possesses such poor and flawed wording as to be unintelligible overall and certainly paints a clear picture that the document was not composed and released by any genuine merchant. For, if the document had been composed and released by any genuine merchant, the writing would be professional, error-free, and easily readable.
8. The documents verbiage contains the wrong date regarding when my association with the merchant began. If the document were legitimate, the accurate date of when my association with the merchant began would have been utilized.
9. The existence of a document-building computer-systems database node number ( XXXX ) in place just above the leftward region of the documents first paragraph.
Given the aforementioned elementsespecially elements 1 through 7I find it most disturbing that the dispute center would be gullible and unknowing enough to accept such a document as being legitimate and as having been received from the merchant when the document should have been summarily dismissed as being bogus and illegitimate as it pertains to my dispute case because the document could have been generated by anyone having access to a word-processor program and the internet.
Additionally, the documentas it is described abovewould not be admissible as evidence in a court of law. Instead, the document would be summarily dismissed due to the realities that it possesses no direct identifying ties back to the merchant and that it could have been generated by anyone having access to a word-processor program and the internet.
With respect to what you have just read, the dispute center should not have allowed this visibly obvious bogus and illegitimate document to have any impact on my dispute case. And, the reality that the dispute center did allow this visibly obvious bogus and illegitimate document to have an impact on my dispute case is an action that I feel constitutes an unfair business practice.
Grossly more disturbing is thatconsidering the number of XXXX-related dispute cases that the dispute center is working onit is conceivable that the dispute centerperhaps under the orders of an upper-echelon member of the banking entitys managementcreated the document used against my dispute case of its own accord and for the deliberate purpose of delaying and impeding the progress of my dispute case toward permanent resolution in my favor that is scheduled to take place on XXXX. Such an act would constitute both an unfair and an illegal business practice, neither of which would be tolerated in a court of law.
Am I accusing the dispute center of having done what is expressed in the preceding paragraph? No, I am notat least not presently. However, the possibility of the dispute center having done what is expressed in the preceding paragraph does provide a plausible explanation as to why the document used to delay and impede the progress of my dispute case contains no evidence whatsoever at all that directly links the document to the merchant who supposedly created it and delivered it to the dispute center.
Even now, running virulently rampant on XXXX and other social media platforms are rumors of this banking entitys dispute center self-creating reasons to deny perfectly valid and well-documented dispute cases when those cases come within a certain number of days of being permanently resolved in the card-holders favor. I usually do not put much stock in rumors. However, considering how my dispute case has been affected by the dispute centers actions and the visibly obvious bogus and illegitimate document used to spawn those actions, perhaps those rumors are not without certain amounts of merit and truthfulness.
With respect to what you have just read, if I had any say in how the banking entity operates, I would devote significantly less time endeavoring to acquire reasons to deny perfectly valid and well-documented dispute cases in favor of devoting significantly more time in the arenas of damage control and public relations so as to avoid the potential loss of present and future banking customers, the potential loss of present and future business-entity investors, the potential loss of present and future credit-card holders, and also to prevent legal action against the banking entity itself from making the transition from probable to imminent.
In closing, let me state that I am not a malicious and greedy person. I am only seeking for myself and my dispute case to be treated fairly.
Allow me to also state that I am doing everything I can to keep this case out of a courtroom. And, to that end, cooperation from the banking entityfor its own sakewould be appreciated.
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| 10/15/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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CFPB Complaint Statement of What Happened In XXXX, I contracted with Sears/XXXX XXXX XXXX XXXX ( XXXX ) to purchase open-stock base cabinets for my kitchen. I retained all of the paperwork so that, when the time came, I could be assured of getting the exact same wood, style and color for the upper cabinets.
In early XXXX, I contacted Sears/XXXX to initiate the purchase. I spoke with XXXX XXXX XXXX, Team Member, and informed her about the open-stock base cabinets I purchased in XXXX. Additionally, I informed her that I now wanted to purchase matching upper cabinets. XXXX XXXX XXXX, Project Consultant, came to my home on XXXX XXXX, XXXX to get preliminary measurements and to provide cost information. I showed him the paperwork from my original purchase describing the cabinet wood, style and color. XXXX XXXX never mentioned that Sears no longer carried XXXX products. He did state that he didnt think they carried the stain on my lower cabinets anymore, and brought in wood samples in order to get the best color match possible. However, he never said anything about there being a problem with the door style or type of wood.
The total cost of the upper cabinets was {$5200.00}. XXXX XXXX contacted Citibank for available terms. Even though my credit score is in the 800 's, I was only approved for an 18-month no interest plan. I knew I couldnt afford the monthly payments ( approximately {$290.00} per month ) so I gave XXXX XXXX a check in the amount of {$2000.00} payable to XXXX XXXX XXXX XXXX. This reduced the monthly cost to approximately {$180.00} per month.
There were no printed documents provided. XXXX XXXX gave me a CD, and had me digitally sign on his tablet for each document on the CD. Therefore, at that time, I had no knowledge that, per the terms of the Sears " Estimate and Proposal '', Sears was not to accept more than 30 % of the total cost ( approximately {$1500.00} ) for a down payment. So, knowingly, Sears wrongly accepted approximately {$470.00} additional money from me.
XXXX XXXX XXXX came to my home on XXXX XXXX, XXXX to get the final measurements. Although I showed him the paperwork from XXXX as well, he never made mention of the fact that Sears no longer used XXXX either. Since XXXX XXXX was the Project Coordinator in XXXX, it seems he, of all people, would know that XXXX products had been discontinued. Please note that XXXX is still in operation and does, indeed, still manufacture the cabinets I purchased in XXXX. My check for {$2000.00} was endorsed by XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX.
Finally, the upper cabinets were installed three months later on XXXX XXXX, XXXX. On the morning of XXXX XXXX, XXXX, I realized that something was wrong, and it didnt take long to figure it out. However, it was Sunday, so I waited until Monday, XXXX XXXX, XXXX to contact XXXX XXXX by telephone to inform her that the style of the newly-installed cabinet doors was not the same as the doors on the base cabinets. XXXX XXXX actually sounded annoyed that I expected something to be done about it. She asked if XXXX XXXX had brought doors into my home for me to look at, and I said " no ''. She then commented that she " hated to throw XXXX XXXX under the bus, but ''. I told XXXX XXXX that I would email pictures to her that same day so that she could see the difference. As of XXXX XXXX, XXXX, I hadnt heard from XXXX XXXX, so I followed up with an email asking if she had spoken with anyone about the incorrect cabinets. I never received a response.
On XXXX XXXX, XXXX, I sent another email to her, as well as to XXXX XXXX. I never received a response from either of them. Later that day, I contacted Citibank and filed a dispute with them for the {$3200.00} charge to my account.
On XXXX XXXX, XXXX, I sent another email to both XXXX XXXX and XXXX XXXX. On XXXX XXXX, XXXX, I received a call from XXXX XXXX telling me that all of my emails ( from XXXX XXXX, XXXX to the present ) had gone to her spam folder. Additionally, she stated that when I first contacted her, she didnt know the meaning of open-stock, and had n't been able to locate my XXXX order. I happen to know that was not true because the Building Permit that was issued on XXXX XXXX, XXXX was in my married name, which they would not have known without pulling up my old records from XXXX. However, sometime after my divorce was finalized in XXXX XXXX, I took back my maiden name.
At this point no one had offered any solutions to the problem and XXXX XXXX asked if I had any ideas. I suggested that Sears replace the doors on the base cabinets with doors matching the upper cabinets. I felt that was a reasonable solution that would minimize both the cost to them as well as the huge inconvenience to me. XXXX XXXX agreed, but she seemed to be uncertain that Sears would bear the cost. I made it clear that I would not pay any additional cost for their " error ''. On XXXX XXXX, XXXX, XXXX XXXX XXXX came to my home to get measurements to replace the base cabinet doors.
Having not heard from anyone, I could only presume that the doors were being manufactured. On XXXX XXXX, XXXX, I emailed XXXX XXXX regarding the status of the new doors, but never received a response.
On XXXX XXXX, XXXX, I placed a call to the Sears Credit Card Dispute Department. I was informed that they have not received any progress reports from XXXX since XXXX XXXX, XXXX, which was of concern to them. On XXXX XXXX, XXXX, I emailed XXXX XXXX again, but never received a response. On XXXX XXXX, XXXX, I called XXXX XXXX and left a voice mail message asking her to contact me, but she never returned the call.
On XXXX XXXX, XXXX, I sent an email to XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, General Sales Manager, requesting a refund of the {$2000.00} down payment. XXXX XXXX email wasnt deliverable because his " email address couldnt be found ''. So, I then forwarded my message to XXXX XXXX XXXX, District Sales Team Administrator. Unfortunately, her email address " couldnt be found '' either. In the meantime, I didnt hear from XXXX XXXX or XXXX XXXX. I sent one more email to XXXX XXXX on XXXX XXXX, XXXX, but never received a response.
On XXXX XXXX, XXXX, I sent an email to XXXX XXXX and XXXX XXXX authorizing them to have all of the cabinets that were installed on XXXX XXXX, XXXX removed no later than XXXX XXXX, XXXX. I also stated that I must receive a refund of the {$2000.00} down payment, and be provided with proof that the {$3200.00} charge to my Citibank account had been cancelled, before the cabinets could be removed. Again, neither party responded.
On XXXX XXXX, XXXX, I received a call from XXXX XXXX XXXX, Credit Dispute Specialist, located in Florida. Per her request, I forwarded to her all of the futile, unanswered emails that I had sent regarding this situation. After receiving those emails, XXXX XXXX responded by email that she had escalated the situation as far as she could and that she would contact me when she receives a response. I also expressed my concern that my 18-month no interest plan was slipping by during the dispute, and that I couldnt afford to make multiple make-up payments.
On XXXX XXXX, XXXX, I received a phone call from XXXX XXXX XXXX, Regional General Manager, XXXX XXXX XXXX XXXX. We talked for a while and then he said he wanted to make a call and would call me back in 30-45 minutes, which he did. XXXX XXXX had called XXXX regarding the warranty on the base cabinets. XXXX XXXX said that the branch wanted to replace the doors on the base cabinets, but allegedly that wasnt a viable option due to a measurement issue.
He wanted me to send him a test email, which I did, and he also verified receipt of my email thread with I.T. XXXX XXXX said he would use the company credit card and get the doors made. XXXX told him the XXXX of my base cabinets was discontinued as of XXXX XXXX, XXXX, which means that SHIS didnt respond to the situation quickly enough. XXXX also said the warranty would not be applicable in this situation. XXXX XXXX said he would be able to get me an extension on the 18-month no interest plan, but that also turned out to be a falsehood. I will now have to pay interest if the debt is not paid off in full and on time.
On XXXX XXXX, XXXX, I called XXXX XXXX. She said she had spoken to XXXX XXXX and that he had made an offer to replace the entire lower cabinets at no cost to me, but that it would take 6-8 weeks. I told XXXX XXXX that I wanted to think about it. She agreed and said she would call me next week. Later that day, I emailed XXXX XXXX requesting a draft of the offer we had discussed that morning. She replied that she would have the branch send it to me. As of XXXX XXXX, XXXX, I had not received any response and, therefore, emailed her again stating that I just wanted the details, not a formal contract. XXXX XXXX never responded. I had expected to hear from XXXX XXXX on Monday, XXXX XXXX, XXXX, but never heard from her that day.
However, I did receive a letter from XXXX XXXX XXXX stating that Based on the response received from the XXXX XXXX XXXX Department, they state they are currently working with you on a resolution. We have closed our investigation at this time. If you do not receive a merchant resolution within a reasonable amount of time, you may re-contact us and we will re-open your dispute. I was somewhat surprised by this as I wasnt even contacted before they made the decision to close the investigation.
On XXXX XXXX, XXXX, having still not heard from XXXX XXXX, I sent another email to her, XXXX XXXX, and XXXX XXXX once again authorizing the removal of the cabinets after I received my {$2000.00} down payment and was given proof that the {$3200.00} charge to my credit card had been cancelled.
I called XXXX XXXX, who then called and got XXXX XXXX on the line as well. XXXX XXXX had sent " the cabinet information '' to XXXX XXXX. XXXX XXXX said he didnt think Sears would remove the upper cabinets, but told me he could give me a discount on them if I chose to keep them. He offered {$1500.00}, which I noted was not even 1/3 the original cost. I dont know where the numbers came from, but he added an additional {$330.00} plus an additional {$150.00} bringing the total to {$1900.00}. I presume he then rounded up to {$2000.00} ( same amount as my down payment ). Sears could refund my {$2000.00} down payment to me or apply it to my Citibank account. At no time did I say that amount or the plan was acceptable.
We then discussed my concerns about the second option replacing the entire base cabinets. I talked about concerns such as plumbing and HVAC work that would be necessary, as well as possible damage that could be incurred. XXXX XXXX and XXXX XXXX assured me that Sears would take care of all costs, including plumbing, HVAC, and any damage that may be incurred. There would be absolutely no cost to me. He asked about hardware. I informed him that I only wanted hardware on the base cabinets because it was not needed on the upper cabinets. He reiterated that the hardware would be at no cost to me as well.
XXXX XXXX said she will talk to her manager, XXXX, and will also let Citibank know about the offers. At no time did I say that either of the options was acceptable. I told XXXX XXXX and XXXX XXXX that I would like to receive a written document outlining the two possible offers so that I could review each one thoroughly since we had discussed so many variables. XXXX XXXX said she would have the information emailed to me the next day, XXXX XXXX, XXXX.
On XXXX XXXX, XXXX, I received an email from XXXX XXXX, District Administrator XXXX. Only the document offering {$2000.00} was attached and it did not give me any options. It stated that the {$2000.00} would be applied to my Citibank account.
On XXXX XXXX, XXXX, I called XXXX XXXX, who confirmed that she also had received the single settlement offer. Before we went any further, she contacted XXXX XXXX and he joined our conversation. I was totally shocked when XXXX XXXX said that the other offer couldnt be put in writing because they wouldnt be able to fulfill it.
When I asked why each of them had made the offer in the first place on more than one occasion both XXXX XXXX and XXXX XXXX said they had since researched it, and realized they couldnt make that offer because they would not be able to fulfill it. I asked over and over why neither of them had researched the situation prior to making the offer. It obviously didnt take very long to research it since it was still being discussed as a viable option only hours earlier. XXXX XXXX continued to give the same response. The conversation was becoming heated. Suddenly XXXX XXXX said that she and XXXX XXXX could not talk with me anymore and that I would have to work with Citibank from now on.
After contacting Citibank, they told me to send a letter to the XXXX XXXX XXXX Department in South Dakota explaining why I was not accepting the offer made by Sears. I mailed the letter to them by overnight express on XXXX XXXX, XXXX. In the meantime, I had received a phone message from Citibank asking me to contact them, which I did on XXXX XXXX, XXXX. I was informed that I was to disregard the letter dated XXXX XXXX, XXXX because the dispute had been reopened, and that a letter was sent to Sears on XXXX XXXX, XXXX giving them until XXXX XXXX, XXXX to respond.
I called Citibank on or about XXXX XXXX, XXXX and asked if they had received a response from Sears. I was told that while they had received a response, there was no specific information on their records as to their decision. However, I would receive a copy of the letter in 7-10 days. On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX dated XXXX XXXX, XXXX. It stated, " The XXXX XXXX XXXX Department has made several attempts to contact you to make an appointment to address your concerns. We have no recourse to intervene when the merchant is making a good faith attempt toward resolution of your issues. '' Those statements are outright lies. They have access to my mailing address and my email address. Additionally, I 'm at home nearly all of the time, and when I am out, I have voice mail service.
|
| 04/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
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SUMMARY : To summarize, XXXX agreed to a refund, did not follow through with their refund, advised me to initiate a chargeback, then upon charging back, took/cancelled my access to the merchandise I paid for, effectively creating a situation where I did not receive the merchandise. Further, they are now continuing this dispute, despite overwhelming evidence that they lied, and in the end, I did the actions I was advised by XXXX employees and am now being requested to pay for an event that I was not allowed access to.
Citi AAdvantage Mastercard refused to take action in the chargeback process and after dragging the process out several months with XXXX, sided on no action, despite overwhelming evidence that I paid for merchandise that I ultimately did not receive and that was expired ( the event had already occurred ) by the time I was charged.
DETAILS : I have attached the requested information ; a copy of what I purchased, as well as my attempts to contact the vendor.
The purchase was completed, and immediately ( as can be witnessed by the time stamps of the ticket purchase and first conversation ) I contacted customer service, as there was no way of knowing that the tickets were non-transferrable. Their verbiage was the same as all listings, which have always allowed ticket transfer. Further, due to the lottery system to even get tickets, I had purchased this ticket on behalf of a friend. The first conversation, as attached, resulted in being told to call customer service.
The second conversation was a call with customer service, where I was told that I would need to write the online prompter again and ask to speak with a manager.
The third conversation is also attached. In this conversation, you can see 1 ) I was told that if they do not transfer the tickets to initiate a chargeback through my card. You can also see 2 ) that I was contacted by a manager.
The fourth conversation was a phone conversation with the manager ; this manager took the information of my friend for the transfer and began to initiate the transfer. However, after approximately 15 minutes, she stated that it would " just be easier to refund the tickets '' and that she would start the refund and that it should clear to my account within 72 hours.
I called back after 3 days and was told there was no record that I ever spoke with XXXX or XXXX, the representative that I spoke with by computer and the manager I spoke with by phone. They also then informed me that they would open ticket resale as an option, so not to expect a refund.
I listed the tickets for sale as a backup to waiting for the refund ( at a price that would allow for a refund of the original ticket price, which was approximately 20 % higher due to a roughly 10 % service charge on either side of the sale ), and then I called again and asked them to reference my situation. I was told there was no notes I had ever contacted XXXX to begin with and that XXXX would not refund my purchase since they were gratefully allowing me to sell the tickets. I informed XXXX that I would proceed, as advised, with a chargeback, and I was informed that this was my right and that I could do it, but they would block my card from further transactions with XXXX.
As you can see from the transcripts, I have attempted multiple times to resolve the issues presented in the transaction ; due to unclear verbiage and poor policies, XXXX lured me into a business transaction I did not approve of ; further, upon attempt to resolve, I was told my refund was being processed ; the company then advised me, on two separate occasions, to charge the refund through my credit card company as they no longer desired to honor their agreement.
Please let me know if I may be of any further assistance.
Congruent to the follow up letter, I wanted to take the opportunity to provide the following information : I had the pleasure of speaking with XXXX today in the Kentucky office, as well as his account manager, XXXX, and I was advised I could follow up by email due to currently being XXXX with the XXXX XXXX to a remote part of XXXX XXXX. As such, I will attempt to answer any and all inquiries as concisely and exact as possible : The cancellation of the charge was stated on XX/XX/XXXX with the account manager, XXXX, via telephone. She stated this would take 2-3 business days to take effect and not to worry in the meantime. As the refund had not cleared that week, I made the decision to contact XXXX again on that Friday, XX/XX/XXXX, in which I was told that there was no record I spoke with XXXX or XXXX. XXXX was a fellow XXXX XXXX veteran and had worked in some of the same regions I have previously worked, so I can confirm without a doubt that she is a manager there and that I did in fact speak with her.
The cancellation policy was not explicit at the time of the transaction ; this is due to two factors. First, all transactions have an extremely limited time window for high-volume events ; between the lottery drawing, waiting in line, ticket processing, and purchase, the end user has approximately 60 seconds after load times to make decisions. Further, direct ticket transfers are advertised within the XXXX XXXX XXXX program, which displayed numerous pop-ups and advertisements saying that ticket transfer and resale once tickets are received are as easy as a few button clicks. This conflicted with the information that the tickets would only be able to be picked up by the credit card holder at Will Call, but as with most events, once the tickets are transferred ( especially internally of XXXX ), the information is updated as required and this is not an issue.
The merchant agreed to the refund on XX/XX/XXXX.
I would also like to add that after submitting the billing dispute, approximately five days later, I did not have access to the tickets through the XXXX application, which is what I had been previously using to generate all of the information and view the progress of things. This, to me, aligned with what XXXX stated, that once a billing dispute was submitted against a credit card that the purchaser was blocked from utilizing XXXX using that card again. As such, XXXX effectively restricted my access to the tickets regardless of the outcome of the dispute until after the event had already occurred.
I hope this is concise, and I truly appreciate all of your efforts in resolving this dispute. As I had previously stated with XXXX, I had attempted to purchase the tickets for a friend, who, given both past experiences with XXXX and their policies, entered the lottery, as I did ; however, as my number was drawn and hers was not, I purchased the tickets and immediately attempted to transfer them, only to find out this was not an option. After several days of complaining, XXXX offered me the " option '' to resell the tickets, but only if they were able to take a large commission from both the purchase and the resale of the tickets, effectively changing the price, as ticket transfer through the XXXX XXXX program ( which is how I purchased the tickets initially ) is without any fees.
I just spoke to XXXX at the Billing Dispute Unit to ensure that communicating via email was still acceptable, as my current location in the XXXX XXXX has caused a lot of communication issues. I apologize for the delay in getting back to you. If possible, please call my cell phone, XXXX, whenever any updates to this case are posted, as my internet access is sporadic at best. If this is not possible for security reasons, I completely understand.
I will attempt to provide the information requested.
First : Please provide a letter detailing your dispute and if the cancellation policy was disclosed along with documentation showing you canceled in accordance with the terms and conditions you agreed to.
Second : The date you contacted the merchant to cancel, the cancellation number you were given, or a copy of your phone bill or an email showing the date you contacted the merchant to cancel.
I believe the dispute has been detailed thoroughly to this point ; however, I will summarize the events once again below.
I purchased tickets via XXXX utilizing a " new service '' that was being pushed, which forced users to place their name in a lottery for the attempt to buy a ticket. My intent was to pull a lottery number and give the tickets to a friend if possible, in an attempt to ensure that they received tickets for an event that XXXX was highly promoting yet restricting general access to tickets to. XXXX ( the service ) clearly advertises the ease in which tickets can be transferred or resold, and that upon purchase, you could enter your profile and click the appropriate button to transfer tickets or post them for resale on the account. As a XXXX member, when my lottery number was pulled, I waited to purchase the tickets and was granted the opportunity to do so ; however, upon completing the purchase, I was informed that the tickets were Will Call only, and that no transfers would be allowed. This contradicted what was listed and advertised when attempting the ticket purchase, so within ten minutes of completing the purchase ( XX/XX/XXXX ), I reached out to XXXX online. The first conversation I had, after waiting nearly 15 minutes for the queue to dwindle, was with XXXX, who stated that despite being advertised as transferrable tickets, that XXXX does not allow transfer of tickets, and that the tickets could not be transferred or resold. I asked at this point for a refund, to which I was told I was not entitled, despite the product not being as listed and that I contacted while ticket sales were still occurring. I asked for a phone number to escalate the concern.
The second conversation I had was that night with customer service, who informed me I needed to write the online prompter and ask to speak with a manager.
The third conversation, which was also attached, is with XXXX, occurring also on XX/XX/XXXX. XXXX agreed to escalate it to her supervisor, XXXX. XXXX stated that she did not feel that a refund would be granted, but advised me at the 26 minute mark to make a chargeback against my credit card ( as I have done ) if one was not received, and that XXXX would ban my card from use but it would resolve the situation. I was contacted by XXXX by phone while on the computer with XXXX ( visible at the 28 minute mark ), which is listed on my phone bill as the incoming from XXXX at XXXX XXXX on XX/XX/XXXX.
This fourth conversation, with XXXX, the manager, resolved in XXXX taking the information of my friend to transfer the tickets into their name. However, during the call, she stated that it would " just be easier to refund the tickets '' and that she would start the refund. When I asked about the process, she said I would be emailed a confirmation number and that the whole process should take less than 72 hours.
At this point, I assumed that my refund would process, and I had no reason to follow up further. However, after 72 hours, I still had not received any confirmation number. As such, I called back from my office phone in XXXX, which ( as I am located on an XXXX military installation in the XXXX XXXX of XXXX ) I can not produce a copy of this phone record. However, at this time, I called and was informed that there was no record I every spoke with XXXX or XXXX, and that since ticket resale was now activated, there was no chance for a refund. However, when I asked if I could transfer the ticket through XXXX as the resale was activated, I was told I could not but I could sell them directly to someone, as long as I paid a XXXX commission fee for the sale and the buyer paid an equal fee on the purchase ( as opposed to the free transfer option advertised by XXXX ).
At this point, I listed the tickets for sale at roughly 120 % face value, as XXXX was going to charge commission on the resale, as well as the initial purchase ; the 20 % was merely to roughly cover the service charges. I called once again asking XXXX to reference my situation and was told at this time that I had never contacted XXXX to begin with, there were no notes on my account, and that XXXX would not refund my purchase since they were, in their words, gratefully allowing me the opportunity to sell my tickets. I informed XXXX I would proceed, as advised, with a chargeback, and I was informed that it was my right, but by doing so, XXXX would block my card and all further transactions.
Approximately five days after I submitted the chargeback, I no longer had access to view my tickets through the XXXX application, which is what I had been previously using to generate all of the information and view the progress of things. This, to me, aligned with what XXXX stated, that once a billing dispute was submitted against a credit card that the purchaser was blocked from utilizing XXXX using that card again. As such, XXXX effectively restricted my access to the tickets regardless of the outcome of the dispute until after the event had already occurred.
As such, regardless of whether XXXX had information or not, they charged my account for tickets that I was ultimately unable to claim or see, as I did not have access to these tickets once the chargeback had been submitted, and XXXX conveniently waited until after the event to respond to any/all disputes.
To summarize, XXXX agreed to a refund, did not follow through with their refund, advised me to initiate a chargeback, then upon charging back, took my access to the merchandise I paid for, effectively creating a situation where I did not receive the merchandise. Further, they are now continuing this dispute, despite overwhelming evidence that they lied, and in the end, I did the actions I was advised by XXXX employees and am now being requested to pay for an event that I was not allowed access to. Citi refused to process the chargeback and would not reopen the case, despite the fact that the merchant did not provide the merchandise/service advertised and charged anyway.
|
| 05/02/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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|
Web |
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On XX/XX/XXXX, I purchased 3 Certificate of Deposits, totaling {$800000.00}, from a company fraudulently represented as XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX. My belief is there were errors in the banking processes of XXXX XXXX XXXXXXXX ( XXXX ) and Citibank N.A. ( Citibank ) in their handling of a {$800000.00} wire funds transfer, which was for the purchase of fraudulently represented Certificate of Deposits. My request is for the reimbursement of the {$800000.00} of stolen funds, updating of the all KYC databases with the fraudsters information discovered on this case, and the hopeful improvement of the Financial Institutions wire funds transfer processes to correct conflicting information or improperly utilized fields on the forms customers sign to authorize the transfers.
XXXX XXXX XXXXXXXX : There was a fraud prevention process breakdown regarding the critical issue of wiring my funds to an international HIGH-THREAT region. I was presented, and signed, a XXXX Funds Transfer Request Authorization ( FTRA ) form that specifically stated Wire Type : DOMESTIC, but resulted in a {$800000.00} transfer of my funds to an international location in XXXX, XXXX. The Additional Bank Instructions reference they documented at the lower part of the form, which seemed to authorize additional bank instructions for Citibank to send the funds internationally to a known HIGH-THREAT location, was never identified to me and is in conflict with the Wire Information instructions section. XXXX XXXX XXXXXXXX improperly identified the Wire Type as DOMESTIC and missed the conflicting international destination location of the funds as they documented it in the Additional Bank Instructions section. Some questions regarding how XXXX XXXX XXXXXXXX contributed to missing the identification of their wire fraudulent destination account : 1 ) What KYC fraud verifications did XXXX XXXX XXXXXXXX perform on this transaction?
a. Were any InHouse/OFAC/FINCEN fraud verifications performed and the results b. Was it treated as a domestic or international transfer c. What KYC process differences are there between domestic or international transfers 2 ) What does XXXX XXXX XXXXXXXX use the Additional Bank Instructions field for on their FTRA?
a. Were any KYC fraud verifications ( InHouse/OFAC/FINCEN ) performed on that information b. Were any contacts made to the destination location identified to perform KYC verification 3 ) How can XXXX XXXX XXXXXXXX FTRA identify a wire funds transfer type as DOMESTIC but result in an INTERNATIONAL wire funds transfer?
4 ) If XXXX XXXX XXXXXXXX created a document that the customer has to sign off to authorize a wire funds transfer, then how can the resulting wire transfer go to an unauthorized international location when the only authorization received was for a domestic wire transfer?
5 ) Is a XXXX XXXX XXXXXXXX customer, that only authorized a XXXX XXXX XXXXXXXX wire funds transfer document ( FTRA ) domestic wire type, be responsible for the same bank performing an international wire type?
6 ) Has XXXX XXXX XXXXXXXX taken any of the information obtained in identifying the fraudulent activities/accounts that occurred in this case and reported it and updated their own records?
Citibank N.A. : Citibank N.A. was the recipient of the wire transfer funds transfer instructions from XXXX XXXX XXXXXXXX, and executed the wire funds transfer to a fraudsters international account location ( XXXX, XXXX ). This location was identified by The United States Department of State as having been assessed as being a HIGH-THREAT location for crime, including Cyber security issues specifically noted as Financial crimes ( credit card fraud against individuals, larger attacks against banks/financial institutions ) are not uncommon, and strongly warns U.S. citizens about travel to area XXXX-occupied regions, organized crime and gangs. With Citibanks responsibilities for KYC ( Know Your Customer ), opening and closing accounts outside the United States, reporting fraudulent activities, tracking & monitoring fraudulent activities including domestic transfers overseas or account closures or wires or senders & receiver or clawbacks, leveraging FINCEN or OFAC, here are some questions regarding how Citibank contributed to missing the identification of their wire fraudulent destination account : 1 ) What KYC fraud verifications did Citibank perform on this transaction?
a. Were any InHouse/OFAC/FINCEN fraud verifications performed and the results b. Was it treated as a domestic or international transfer c. What KYC process differences are there between domestic or international transfers 2 ) Were there other activity flags with the destination location or account?
a. Volume of account openings or closings at the city, state, or account b. Other fraudulent wires reported at the destination city, state, or account c. Volume of clawback requests received for wires at the destination city, state, or account d. Other non-U.S. locations with similar wire clawback requests e. What review and findings were identified regarding the sending and receiver location 3 ) What documentation did Citibank receive from XXXX XXXX XXXXXXXX and were there errors on that documentation ( i.e. inconsistency in domestic vs international wire type, Additional Bank Instructions in conflict with other information on the form )?
a. Did Citibank see the domestic vs international discrepancy on XXXX XXXX XXXXXXXX FTRA form?
4 ) Does Citibank use their own customer questionnaire to be completed for International Wire Transfers?
a. What information is requested on the form b. Does the information requested differ from what XXXX XXXX XXXX provided c. How does Citibank use the Additional Bank Instructions fields for further credit and what fraud detection is performed based on this information 5 ) Has Citibank performed any prior or recent ( as a result of this case ) audit of : a. The fraudulent destination account b. XXXX XXXX XXXX and Citibanks XXXX accounts i. Signature cards, TINs 6 ) What is the fraudulent account status : a. Opened date, closed date b. Transaction activity 7 ) Has Citibank ever monitored or identified fraudulent activities at the same destination city, state, or account?
a. Listing of any other high dollar wire fund transfers for past several years b. Volume of clawback requests 8 ) Has Citibank taken any of the information obtained in identifying the fraudulent activities/accounts that occurred in this case and reported it and updated their own records?
The following is a partial background chronology : - On XX/XX/XXXX, I purchased 3 Certificate of Deposits, totaling {$800000.00}, from a company represented as XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX. These were marketed as 7-year Jumbo CDs, offered by XXXX XXXX, FDIC insured, at 3.20 % APY. A local XXXX branch performed the wire transfer of my funds, based on wire transfer instructions obtained from XXXX, for which XXXX had my approve the wiring instructions they drafted on XXXX Funds Transfer Request Authorization ( FTRA ) form to authorize the transfer. XXXX 's FTRA form stated under the " Wire Information '' section that it was a " Domestic '' transfer, under the " Recipient Information '' section that would go to " XXXX XXXX XXXX '' to " Bank Name : CITIBANK N.A. '' and with " Additional Bank Instructions : XXXX XXXX XXXX XXXX ''. We subsequently learned that these funds for which I signed XXXX 's FTRA that was specifically noted as a DOMESTIC wire transfer went to XXXX XXXX XXXX in XXXX, XXXX ( an INTERNATIONAL location listed as a HIGH-THREAT region for financial crimes and Cyber security issues, with XXXX-occupied regions ).
- On XX/XX/XXXX, XXXX notified me the rates went up during the first 30-days to between 3.25 % -3.30 % APY, and funds would be transferred to the higher rate effective XX/XX/XXXX.
- In XX/XX/XXXX, I attempted to obtain my quarterly statement and was unable to locate anyone from the XXXX or their website. After extensive failed attempts making calls, leaving emails and vmail messages, I contacted a police detective and XXXX XXXX XXXXXXXX on XX/XX/XXXX. The police detective informed me they had reports of similar financial crimes from the same areas ( country of XXXX and other XXXX-occupied regions ) and advised me to contact the FBI immediately.
- On XX/XX/XXXX, I opened up a fraud report with the FBI and contacted XXXX Fraud Department, who forwarded me to the Wire Fraud Department. The XXXX representative opened a Fraud Report and TRMS form, then stated I would be contacted shortly by an assigned investigator from XXXX Financial Crimes department.
- After receiving a vmail message from XXXX Financial Crimes investigator, I returned her call on XX/XX/XXXX and left my callback information.
- On XX/XX/XXXX, I called in the XXXX and left another vmail message.
- On XX/XX/XXXX, I called in the XXXX and left another vmail message.
- On XX/XX/XXXX, I called and left another vmail message.
- On XX/XX/XXXX, I called and left another vmail message.
- On XX/XX/XXXX, I visited my local XXXX branch. After reviewing the situation with a XXXX representative, she pulled in her XXXX Branch Manager who then took over working with me on this. XXXX Branch Manager attempted to contact XXXX Financial Crimes investigator and received a vmail message that she was on vacation all week. XXXX Branch Manager then contacted someone else in XXXX Financial Crimes department that communicated they would have someone else in the department contact me while XXXX was out.
- XX/XX/XXXX, after still no contact from anyone in XXXX Financial Crimes department, I visited my local XXXX branch again and met with the same XXXX Branch Manager. She helped contact someone in XXXX Wire Fraud Claims department and put the call on speaker. The fraud claim person said she couldnt find their assigned XXXX Financial Crimes investigators name in the system, but found the information on my case. She then surprisingly stated there was no action taken yet, not even a recall request was put in, so she then stated she would immediately submit a recall request.
- XX/XX/XXXX, still no contact from anyone at XXXX, called and left XXXX Financial Crimes investigator XXXX XXXX a vmail message requesting status.
- XX/XX/XXXX, called XXXX Wire Fraud Claims Division, talked with a new representative that shared my case # XXXX, and stated the recall request failed as responsible by Citibank on XX/XX/XXXX. The wire funds were sent to Citibank and then subsequently to XXXX XXXXXXXX XXXX in XXXX, XXXX by them. He then recommended I call XXXX Fraud Department ( XXXX ). I called that number and they answered as Check Fraud Department, they gave me a different # for the Wire Fraud department ( XXXX ) where I then received a vmail which said it was XXXX Wire Transfer Confirmation Service. Next, I called my local XXXX Branch Manager again and requested XXXX Financial Crimes investigators manager information, which she provided. I then called that XXXX Financial Crimes investigator manager and left a vmail message.
- As of XX/XX/XXXX, I still had never heard back from either XXXX Financial Crimes investigator nor her manager. As you can see from the chronology, other than XXXX Branch Manager being extremely helpful, XXXX XXXX XXXXXXXX confusion and unresponsiveness across the various individuals contacted within XXXX had been extensive.
- XX/XX/XXXX, sent a formal letter the XXXX Branch Manager documenting this chronology and requesting her help in taking ownership to help resolve the issues and dissatisfaction with the process.
- XX/XX/XXXX, received a letter from the XXXX Branch Manager saying XXXX XXXX XXXXXXXX did nothing wrong with the wire transfer, and never addressed the numerous dissatisfaction items regarding XXXX unresponsiveness and disconnected internal processes. The following is a summary of my overall perception shared specific to their customer support process in attempting to find an agreeable resolution : Ive previously relied on and trusted XXXX customer-focused strategy and financial risk management systems/processes, as is communicated in the following quotes : At XXXX XXXX XXXX, we are guided by a common purpose to help make financial lives betterSafeguarding the global financial system is critically important for the economic and national security of the jurisdictions in which we operate. Accordingly, it is the policy of XXXX XXXX XXXXXXXX to take all reasonable and appropriate steps to prevent persons engaged in money laundering, fraud, or other financial crime, from utilizing XXXX XXXX XXXXXXXX products and services.
Whether investing in a small business, making a credit decision, or preventing fraud, our work calls for sound judgment and a commitment to doing whats right for our customers, shareholders, and communities? Our culture emphasizes that we are one team, and we have a shared responsibility to manage risk well, act responsibly, and escalate issues so they can be addressed proactively.
As XXXX XXXX stated culture emphasizes, that XXXX XXXX XXXXXXXX are one team, and we have a shared responsibility to manage risk well, act responsibly, and escalate issues so they can be addressed proactively.
My perception is there have been process breakdowns by XXXX XXXX XXXXXXXX Fraud team in their responsiveness, working as one team, and ability to escalate issues, as evidenced throughout the timeline. The investment of my own time, calls, trips to the branch, as well as the local Branch manager in attempting to help, has been extensive primarily due to difficulties of XXXX assigned individuals not returning calls, following up, being aware of proper phone # s and departments responsibilities, or responding in any reasonably timely manner.
XX/XX/XXXX : Opened CFPB case online
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| 07/20/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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XXXX XXXX XXXXXX/XX/XXXX From XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX Cell : XXXX Email : XXXX To CITIBANK , N.A .
XXXX XXXX XXXX XXXX XXXX, TX XXXX REF : CASE # XXXX = THIS IS APPEAL FOR A FRESH LOOK Subject : Several ( XXXX ) Fraudulent Transactions on my ATM Debit card XXXX as i reported on chat on XX/XX/2022 ( XXXX ) This is my response to your letter of XX/XX/2022 and appeal/ Please take a fresh look, proof and analysis supplied herewith.
Also one transaction from XX/XX/XXXX is missing and not listed in your letter, XXXX cash withdrawals that day.
Total of all XXXX fraudulent unauthorized debits is {$2700.00} Summary : The ATM card was lost between its last legitimate use by me on XX/XX/XXXX in XXXX and XX/XX/XXXX in XXXX at XXXX, when I saw the many fraudulent transactions online, searched for the card believing it was with me, did not find it.
The analysis and documents here prove that it would have been impossible for me to pull this off and do all those Cash Withdrawals on those dates, times and places as indicated in the transaction details.
Dear Sir / Madam, I have your letter of XX/XX/XXXX refusing to acknowledge that the transactions on XX/XX/XXXX, XXXX, XXXX, XXXX that I had reported as fraudulent were in fact so.
That, clearly, was unfair and inconsistent with the facts of the case. I was not at any of those ATMs that are listed for the cash withdrawal debits.
The full analysis and needed proof documents for the situation is detailed in the attached letter. boarding card and hotel room receipt.
Please read it carefully. It is a letter to my sons XXXX and XXXX, they have been helping me with our various challenges.
Here below is the summary of it, and these are my arguments for appeal and request for a fresh look at the case.
On XX/XX/XXXX, the transactions were in XXXX ( XXXX ) and in XXXX ( XXXX ), but I was in XXXX, which is on the XXXX XXXX XXXX of XXXX And, those cities are far apart, so it is not possible to travel quickly and do the ATM Cash Withdrawals.
On XX/XX/XXXX, I had already left XXXX on XXXX XXXX flight XXXX to XXXX very early in the morning, XXXX am departure and the ATM Cash Withdrawals took place much later in the day, So, once again, it would have been physically impossible for me to do the transactions.
Copies of my XX/XX/XXXX boarding card and the XXXX 's XXXX XXXXl room rent bill in XXXX ( XX/XX/XXXX noon to XXXX at XXXX AM ) are attached.
That leaves XXXX withdrawal on XX/XX/XXXX in XXXX and XXXX on XX/XX/XXXX in XXXX near XXXX.
I was in those places, visiting, on those days, but I did not visit any ATMs anywhere.
I might also add that the time gap between some of the transactions is only XXXX minute, but perhaps sufficient, let us say.
I would also like to ask if there were surveillance cameras at those ATM locations and if so investigate what is recorded in them.
Please let me know if you need any more details regarding my travels etc, I will be happy to supply.
In summary, The ATM card was lost between its last legitimate use by me on XX/XX/XXXX in XXXX and XX/XX/XXXX in XXXX at XXXX, when I saw the many fraudulent transactions online, searched for the card believing it was with me, did not find it.
The analysis and documents here prove that it would have been impossible for me to pull this off and do all those XXXX Withdrawals on those dates, times and places as indicated in the transaction details.
I had not consciously checked for the card again after its last legitimate use by me on XX/XX/XXXX, I was just assuming that it was with me, along with a few other cards and money. The card was used by me and kept with me only. No other person had authorization to use it or take it or have possession of it. And, I do not have any suspect persons, parties or places where it may have been lost or stolen. So, the actual process of losing the card is unknown, but the card is LOST. And, thank you for sending a new one.
Our many thanks for your further attention in this matter.
Regards and Best wishes XXXX XXXX XXXX =========================== ATTACHMENT XXXX : BOARDING CARD AND HOTEL BILL XXXX ( XXXX ) .jpg ATTACHMENT XXXX : ( DETAILED ANALYSIS AND IMPOSSIBILITY PROVED IN EMAIL LETTER TO FAMILY ) From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2022 at XXXX PM Subject : Analyzed as Impossible, but Citibank Refused XXXX Reimburse Fraudulent Transactions in XXXX XX/XX/XXXX, XXXX, XXXX, XXXX in XXXX, XXXX, XXXX To XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Analyzed as Impossible, but Citibank Refused to Reimburse Fraudulent Transactions XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX in XXXX, XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX dearest XXXX and XXXX, I have XXXX below and shown, that I, or any individual person, could not have made all those Cash withdrawal ATM transactions using my Citibank ATM debit card.
It is physically impossible to travel between those ATMs in different cities, Also, anyway, I was not there, shown by plane boarding card and hotel room receipts.
Citibank has written me a letter dated XX/XX/2022 saying that they will not reimburse the fraudulent transactions on my ATM debit card XXXX, and wrongly implying that i must have made the transactions myself, saying that the ATM debit card must have been with me, they also it is consistent with my normal banking activities. In their listing of those transactions they missed XXXX of the XXXX done on XX/XX/2022, they listed XXXX only instead of XXXX, others were there, XXXX on XX/XX/2022, XXXX on XX/XX/2022 and XXXX on XXXX and the associated foreign transaction fees charges. The total of all forty debits from my checking account XXXX was {$2700.00}. The full list is copy pasted here below at bottom, from my online accounts page...
of course, when i reported the case on citi.com chat on XX/XX/XXXX, ( it is XXXX. XXXX helped me with that very nicely ), i had told them that the card was lost, as i am not finding it with me. Initially i had believed the card must be with me only. So I looked for it only after I discovered online from my accounts page that many fraudulent transactions were there, reporting it to citibank right away, on their website chat, after first trying on phone, but was unable to reach them. as my phone calls to them were not going through, getting cutoff in the middle. This was on XX/XX/XXXX after I returned to USA on XX/XX/XXXX, and I was in the hospital XX/XX/XXXX to XXXX because of the chest pain that happened in the plane on XX/XX/XXXX while returning from XXXX, came home from the hospital on XX/XX/XXXX evening.
i did not have proper internet access while i was traveling in XXXX and i checked my citi accounts online on XX/XX/XXXX only. after returning to usa on XX/XX/XXXX. So, naturally, it took several days before i realized that my account had been sabotaged, much money stolen. There was one Fraud Alert email to me from Citibank on XX/XX/XXXX regarding ATM transaction {$140.00}. XXXX and I had replied right away that it was unauthorized and it had been declined. I was in XXXX at XXXX XXXX at the time.
XXXX transactions, were on XX/XX/2022 that is on 2022 XX/XX/XXXX. I was in XXXX that day, having returned from XXXX on XX/XX/XXXX. I have the Indigo airlines flight boarding card and room rental receipt from XXXX XXXX in XXXX, fully proving that I was not in XXXX on XX/XX/XXXX. The total of those XXXX transactions with associated fees is $ ( XXXX + XXXX ) XXXX = {$1100.00}. And, further analysis here, of the transaction times, reveals important additional info.
Of these XXXX transactions, XXXX were in ATM XXXX XXXX, XXXX XXXX XXXX, XXXX, at XXXX am. XXXX am. XXXX am XXXX, and there are XXXX transactions in XXXX at XXXX am, XXXX am, XXXX am. XXXX am and XXXX XXXX XXXX A closer look at the timing of these transactions indicates that it is physically impossible for any individual to do XXXX ATM transactions in XXXX starting at XXXX am, then go to XXXX to do XXXX ATM transactions starting at XXXX am, returning to XXXX to do the XXXX XXXX ATM cash withdrawal. The distance between XXXX and XXXX makes this impossible. This distance is about XXXX miles and flight time is about XXXX and a half hours.
This actually proves that what are listed as XXXX XXXX ATM transactions were most likely done by sophisticated computer technology requiring in depth inside technology and were not at all physical ATM cash withdrawals by any individual person. It is physically impossible for any person to do these ATM cash withdrawals. And, Citibank thinks I did it myself.!!!! XXXX!!!!
On XX/XX/XXXX we started very early, like XXXX am from our hotel room in XXXX. We ( me and friend XXXX XXXX XXXXs ) were staying at XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX nearby. We went by taxi to XXXX XXXX and checked in our luggage about an hour or more before the XXXX XXXX flight XXXX departure time of XXXX ; XXXX am. The XXXX fraudulent transactions that day were made at XXXX am, XXXX am, XXXX am, XXXX am, XXXX am, XXXX am, XXXX am, XXXX am, XXXX am, XXXX am XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is XXXX and a half hours ahead of ET or XXXX, so all these transactions happened at non-Citi ATM in XXXX XXXX off XXXX, XXXX. So, they took place between XXXX am ( the first XXXX ) and XXXX pm ( the last one ). Our plane took off from XXXX airport at XXXX am as listed on the XXXX XXXX boarding card. So, I and my friend with me XXXX XXXX XXXX were not in XXXX when the XXXX fraudulent transactions happened on XX/XX/XXXX also. The total of these XXXX transactions and the associate fees is $ ( XXXX + XXXX ) x XXXX = {$1400.00} XXXX transaction was on XX/XX/2022 at XXXX XXXX XXXX = XXXX pm IST, at XXXX Onsite XXXX, XXXX, it is near XXXX, and was for {$130.00}, and {$4.00} fees = {$140.00} total We had visited XXXX ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX University ) that day, but I did not go to any ATM at all.
XXXX transaction was on XX/XX/2022 at XXXX XXXX XXXX = XXXX pm IST at Beside XXXX XXXX XXXX, XXXX for {$69.00}, fees was {$2.00}, total {$71.00} We were in XXXX that day, but I did not go to any ATM at all.
I was never at any ATM anywhere on those dates, and in XXXX while returning from XXXX by plane, although the plane had stopped in XXXX for an hour, we were made to sit inside the plane, and there was no possibility of me using an ATM in the city. Anyway, the XXXX transactions were on XX/XX/XXXX, and i was in XXXX from XX/XX/XXXX noon, including XX/XX/XXXX, as can be seen by the airline boarding card and hotel room rental bill The distance between XXXX and XXXX is about XXXX miles.
So, I will write to Citibank with copies of the documents which help to show that I was not at those ATMs, and those transactions were in fact fraudulent, and my not being aware of them until many days later is not a fault or fraud or deceit.
I am convinced that the hidden forces, XXXX XXXX ( with its external connections ), deep state, forces driven or influenced or manipulated by other agendas, has pulled this off for its own purposes, perhaps hoping to turn my suspicions towards the other specific individuals with me or individuals and parties i had dealt with during my travels in XXXX.
But, of course, their plans have not succeeded, just like many times in the past, we being targeted, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
and they failed all the time to deliver success to their powerful masters keeping them under their thumbs, in full control, so to say..
poor guys, paapa, they are helpless and frustrated, our sympathies .. ( as we continue )...
We hope and pray for the best ... Best Wishes. XXXX ...
Do XXXX. Take XXXX. All the XXXX.
With lots of love from XXXX, XXXX and ALL appa/dad TOTAL = ( XXXX + XXXX ) X XXXX on XX/XX/XXXX + ( XXXX + XXXX ) XXXX on XX/XX/XXXX + ( XXXX + XXXX ) X XXXX on XX/XX/XXXX + ( XXXX + XXXX ) X XXXX on XX/XX/XXXX = XXXX x XXXX + XXXX x XXXX + XXXX + XXXX = XXXX + XXXX + XXXX + XXXX = XXXX = {$2700.00} TOTAL IS {$2700.00} FOR ALL XXXX TRANSACTIONS =============== Transaction History Results for : XX/XX/2022 to XX/XX/2022 Posted Date Description Debit Credit Available Balance XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi ATM XXXX XXXX XXXX XXXX - {$130.00} {$15000.00} XX/XX/2022 Foreign Transaction Fee XXXX XXXX XXXX XXXXXXXX XXXX - {$4.00} {$15000.00} XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi ATM NO. XXXX, XXXX XXXX XXXX XXXXXXXX - {$130.00} {$15000.00} XX/XX/2022 Foreign Transaction Fee NO. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX - {$4.00} {$15000.00} XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi ATM NO. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - {$130.00} {$15000.00} XX/XX/2022 Foreign Transaction Fee NO. XXXX, XXXX XXXX XXXX XXXX XXXX - {$4.00} {$16000.00} XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi ATM NO. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - {$130.00} {$16000.00} XX/XX/2022 Foreign Transaction Fee NO. XXXX, XXXX XXXX XXXX XXXX XXXX - {$4.00} {$16000.00} XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi XXXX XXXX XXXX XXXX XXXX {$130.00} {$16000.00} XX/XX/2022 Foreign Transaction Fee XXXX XXXX XXXX XXXX - {$4.00} {$16000.00} XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi ATM XXXX XXXX XXXX - {$130.00} {$16000.00} XX/XX/2022 Foreign Transaction Fee XXXX XXXX XXXX XXXXXXXX XXXX {$4.00} {$16000.00} XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi ATM XXXX XXXX XXXX - {$130.00} {$16000.00} XX/XX/2022 Foreign Transaction Fee XXXX XXXX XXXX XXXX - {$4.00} {$16000.00} XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi ATM XXXX XXXX XXXX - {$130.00} {$16000.00} XX/XX/2022 Foreign Transaction Fee XXXX XXXX XXXX XXXX...
[ XXXX clipped ] XXXX entire message
|
| 04/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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In XXXX of XXXX, I reached out to Citibank and set up a payment plan/ agreement based on a financial hardship after undergoing XXXX XXXX XXXX and being unemployed so I could recover. The representative I spoke to closed the account and set up a payment plan for what I understood to be {$350.00} per month ( I now know it is actually {$340.00} per month ) due on the XXXX of every month.
Since entering the agreement in XXXX of XXXX, I have made the following payments, which are also reflected in your system ( Bank payment history reflecting payments included herewith ).
XX/XX/XXXX : {$350.00} XX/XX/XXXX : {$350.00} XX/XX/XXXX : {$350.00} XX/XX/XXXX : {$150.00} XX/XX/XXXX : {$200.00} XXXX days after the due date.
XX/XX/XXXX : {$350.00} XX/XX/XXXX : {$150.00} XX/XX/XXXX : {$200.00} -14 days after the scheduled due date.
XX/XX/XXXX : $ XXXX 16 days after the scheduled due date.
Based upon my payment history, not a single payment has been 30 days or more late, which is what has been reflected on my credit report and is clearly incorrect. The latest payment was 16 days late, but there were also several federal holidays wherein financial institutions were closed.
I have attempted to reach out to CitiBank directly to try and work out this issue and have been given the run around every single time. Every agent has told me that the department I needed to speak with was unavailable at that time and that they could schedule a call back, which the call back would never actually happen. When I was finally able to speaks to someone in the correct department I went over this issue, laid out my payments which made it apparent that not a single payment has been 30 days or more late and that the reporting was incorrect.
The initial person I spoke with could not explain to me why these payments were reported on my credit as 30 days or more late, because clearly based on my payments, they were not. I was told once again that the department I needed to speak with was unavailable and that all they could do is schedule a call back, which never happened, resulting in me having to call several more times, being transferred several times and being placed on hold for several minutes just to speak to someone on how to fix this issue.
The next department I spoke with told me that these payments were reported as late because I entered into the payment agreement already behind on payments and that because of that if the {$350.00} is not paid on or before the XXXX of every month that they will report it every single time and to review my statements, that they will show me owing more than the {$340.00} each month because I was behind on payments. After being told this I told the agent I was certain I did not enter into this contractual agreement behind on payments and asked if I could please be sent the terms of this agreement so I could review them as I have never received a copy. I was told that a copy of the initial agreement could not be resent, despite the agreement never being sent in the first place. I was then told someone can read me the terms of the standard agreement over the phone, which I obviously explained how this is not helpful because I need to know exactly what was explained to me and what I actually agreed to. I then asked for information to be able to request a copy of this call so that I could review the call/ agreement and was told that this is not something that I can request ; so now I have a contractual agreement that NO ONE will provide me the actual terms agreed to in writing and NO ONE will provide me with the call so that I can review the terms that were verbally agreed to. -This specific issue I find extremely disingenuous. If someone enters into a contractual agreement, they have every right to be able to review the terms of the agreement at any time, something that I have asked to be able to do SEVERAL times and have been repeatedly denied the opportunity to do so, which should be noted more than once on my account ).
Thereafter, I went back and reviewed my emails/ statements as the previous agent has advised me to do. While doing this, it came to my attention that the email I received on XX/XX/XXXX, the month immediately following me entering this agreement, it indicated that the total payment due was {$340.00}. NO WHERE does it state that I owed more than this amount or that I was somehow behind on payments when entering into this agreed payment arrangement. ( XX/XX/XXXX Email attached ).
Based upon the review of my emails, I once again called back to speak to someone regarding this and was told the department I need is unavailable, but they can schedule a call back etc. which I again did not get a call back and had to call again, be transferred several times and placed on hold several times. Once I was finally able to speak to someone, I explained everything that has happened up to that point, the information I was provided and then explained that I did not enter this payment arrangement behind on payments as I was previously told by another agent and that my XX/XX/XXXX email states that my payment due was in fact {$340.00} and asked how to get this corrected and again asked to be sent the terms of the agreement so I could review them as I have NEVER received a copy. I was again told that a copy of the initial agreement could not be resent, despite the agreement never being sent in the first place. I was again told someone can read me the terms of the standard agreement over the phone, which I explained again that this is not helpful because I need to know exactly what was explained to me and what I actually agreed to. I again asked for information to be able to request a copy of this call so that I could review the call/ agreement and was told that this is not something that I can request.
On XX/XX/XXXX, I sent in a Citi Group Ethics Concern Web Form regarding the above and did not receive a response. I sent in another Citi Group Ethics Concern Web Form on XX/XX/XXXX with the same information as before as well as the fact that I had already submitted a form a week prior and had NEVER received a response in return. In both concerns, I also requested for someone to look into being able to come to a settlement regarding the amount owed on this debt. I indicated at this time that I could secure I believe {$8000.00} and asked if that would be something that was possible to be able to settle the debt completely and just be done with this entire mess and again NO RESPONSE.
I received a secure message on XX/XX/XXXX from Citi, however upon opening the message, the contents were blank and did not have any attachments or information.
After several more phone calls and persistence I was finally able to reach an agent with a tiny bit more information regarding the above and was told that there is nothing that they can do for me and that I will have to send in a dispute to the disputes departments and was provided as fax number, address and the information that needs to be included in the dispute.
On XX/XX/XXXX, I sent a letter to the executive department with the above information as well as another request to be able to work out a payoff on this debt and to be done with their company.
I sent and email to their department on XX/XX/XXXX to try and get a response to my letter sent on XX/XX/XXXX as well as sent another formal letter on XX/XX/XXXX following up. I sent two additional emails to try and get a response to my letter on XX/XX/XXXX and XX/XX/XXXX.
I finally received a response letter from the Executive Unit on XX/XX/XXXX stating that the information reported is correct. They also stated in the letter that because I was on a paydown plan, they could not discuss any potential settlements with me unless I cancel the plan, with a warning that if I cancel the plan it can not be reinstated and that a settlement is not guaranteed.
I responded to the letter sent on XX/XX/XXXX basically asking them to verify what they are basing the reports on my credit off of as I had submitted evidence that not a single payment was more than 30 days late and that the first invoice I received after entering the plan had an amount of {$340.00} owed, verifying that I was not already behind on payments when entering this plan. I also explained that I had previously tried to call their customer service line to 1. cancel the payment plan and 2. to try and work out a settlement and was told that I could not and that I had attempted again that evening and was provided with the same information.
I called the customer service line several times in XXXX ( I can pull my phone records and give a total if needed ) and was told that I could not cancel my payment plan because my account was delinquent and that until I could make a large payment to make it current, they could not cancel the plan, despite me being current on all of my payments on the payment plan, they were referring to the total balance on the card, not the plan they had implemented. Based upon this, I made a {$1000.00} payment on XX/XX/XXXX to comply with this request and called back. I was told at that time they still could not cancel the plan and that I needed to contact the executive department.
I attempted to cancel the plan a handful of times after XX/XX/XXXX and was told by 2 separate agents on XX/XX/XXXX and XXXX that I could not cancel the payment plan or engage in any settlement negotiations because the account was now " current '' and it has to be delinquent to be able to cancel the plan. I explained to both representatives that I was told previously it had to be current, so I complied with that and now they are telling me the opposite. Both representatives apologized, said I was given incorrect information and that they could not help me regarding this issue. So I called my bank to reverse the {$1000.00} payment I had made on XX/XX/XXXX to throw my acct. back into a delinquent status and to comply with this new requirement that my account had to be delinquent.
Thereafter I called and was AGAIN told they can't cancel the plan.
I sent an email to the executive department on XX/XX/XXXX and two on the XXXX requesting a response to my response I had sent on XX/XX/XXXX and explained the issue I was having with cancelling the payment plan as instructed in their letter from XX/XX/XXXX.
In all of my attempts to cancel the payment plan and to engage in a settlement on my account since receiving the executive letter on XX/XX/XXXX, I have referred to the exact wording from the letter and have repeatedly been told that they do not have record of a letter being sent on my account and that I am once again " lying. '' I have offered to send in the letter for them to physically see/ read it and am told they do not have the capabilities.
I also left a voicemail on XXXX XXXX 's direct line requesting a call back on XX/XX/XXXX, XXXX and XXXX ( I apologize I am unable to make out her first name on her voicemail recording ).
I received a response letter from their executive department in the evening on XX/XX/XXXX with basically a copy and paste of their last letter regarding the reporting 's on my credit. Thereafter, at the end of the letter, they stated that they had no record of my contacting Citibank at any point to try and cancel my payment plan or requesting a settlement on my balance, that I was basically lying and that this was the last letter they would respond to regarding this issue.
I still responded that same evening, despite their statement refusing to assist me with this issue any further and provided the recent call logs as well as messenger logs from their application messenger, verifying that I had in fact contacted them SEVERAL times to cancel the payment plan and to request a settlement on my account.
I called the client focus team again and explained the letters I had received from the executive response unit and explained that I needed to cancel the payment plan and request a settlement on my acct. I also explained how I was told my acct. had to be delinquent and that I had reversed my payment on XX/XX/XXXX with my bank to be able to comply with this requirement and that I could provide verification of this. I was again told they can't do anything. I explained the recent letter I received and the refusal to respond to me thereafter and explained that I am at a loss as I do not know who else to contact to try and resolve this issue. The representative explained that she could not help me, but that she would schedule for a manager to call me back within 1-2 business days.
I sent another follow up letter to the Executive Department again on XX/XX/XXXX explaining that I tried to call ( again XXXX to cancel the plan and negotiate a settlement and of course, no response. I also left a voicemail on a general executive voicemail for someone to please call me regarding this as well as 2 voicemail on XXXX XXXX 's direct line requesting a call back with no response.
I have attempted to resolve this issue since XXXX, XXXX and have gotten no where. I need to negotiate a payoff on this debt in order to be able to buy a home as I am unable to pay the full amount, but am unable to secure a home loan unless the entire debt is at {$0.00} and am basically out of time to try and work this out as an offer has been accepted on a house. I am beyond frustrated and disappointed with the lack of willingness to assist me with this issue and am appalled by the rude and blatant disrespect in the letters I have received in response to me trying to get assistance to work out these issues.. -At this point I really just need the payoff issue resolved and will just leave the other issue, despite Citibanks clearly incorrect reporting 's.
I can also provide all emails and correspondence to support this complaint.
|
| 09/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
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Web |
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1, I never received the {$5000.00} lender credit due to the homerun program I was eligible for. I was constantly lied too throughout the process that I was not eligible for it until I emailed the XXXX XXXX income median. I also reported to XXXX XXXX, I was forced to take a XXXX XXXX class as I was told by XXXX and XXXX once my loan originated XXXX XXXX would be my investor and Citi Mortgage would be my lender. NONE OF THIS HAPPENED. I would of never agreed and moved on with a different bank. I was more than qualified. CITI MORTGAGE IS NOT ALLOWED TO SERVICE THERE OWN LOANS DUE TO MASSIVE FRAUD. HOWEVER STILL CAN DO EVERYTHING ELSE ACCEPT SERVICE THE LOAN. THE OCC FINED MILLIONS OF DOLLARS HOWEVER THE OCC ALLOWED A LOOP HOLE FOR FRAUD AND GAMES.
XXXX WAS THE MINION WHO KEPT CHANGING THE NUMBERS ON THE CD AND XXXX XXXXXXXX XXXX. I HAVE EMAILS FROM XXXX AND A RECORDED CALL FROM HER CELL PHONE INFORMING ME XXXX XXXX IS THE ONE WHO ADVISED TO SWITCH THE NUMBERS AROUND AND HAVE IT IN WRITING. XXXX XXXX SHOULD GO TO JAIL FOR FRAUD. THIS PERSON XXXX AND THE HIGHER UPS THAT ALLOWED HER TO COMMIT FRAUD. I HAVE ALL THE EMAILS FOR THE TEN HOURS ON XXXX CLEARLY TRYING TO PUT AN END TO THIS. I DID NOT WANT TO CLOSE AND POINTED OUT THE FRAUD BEFORE THE CLOSING.
LET ME BE CLEAR THESE PEOPLE FORCED THE SELLER TO RAISE THE PRICE FROM {$220000.00} TO {$230000.00} TO EVEN OUR RATIOS FOR CITIMORTAGE AND THE SELLER WOULD PROVIDE A {$5000.00} SELLER CREDIT AND PAY DOC STAMPS.
THIS DID NOT BENEFIT ME AT ALL. THIS COST ME MORE MONEY.
THE HOMERUN PROGRAM OF {$5000.00} FROM CITI MORTAGE WAS NEVER GIVEN TO ME IN A CHECK AND FORCED ME TO CLOSE OR MY {$10000.00} WOULD BE LOST.
2, MY INVESTOR IS CITI MORTGAGE, THIS WAS GREATLY DISCUSSED ON RECORDED CALLS FROM MY CELL PHONE AND MY MY LAW OFFICE. LAWYERS AT MY LAW FIRM ADVISED ME TO RUN FROM THIS BANK. I HAVE EMAILS STATING SUCH FACTS, XXXX. THE CONSTANT GAMES THROUGH OUT THIS PROCESS. NO ONE KNEW WHAT THEY WERE DOING. I STARTED THIS PROCESS IN XX/XX/2021 AND CLOSED XX/XX/2021. I WAS WELL PREPARED IN ADVANCE. PROVIDED ALL THE DOCUMENTS IMMEDIATELY. I HAVE ALL CORRRESPONDENCE, EMAILS AND PHONE CALLS TO BACK UP MY CLAIMS.
4. I WAS INFORMED BY XXXX AND XXXX i WOUDL RECEIVE THE {$5000.00} IN A CHECK AFTER CLOSING. THIS NEVER HAPPENED. THE DAY OF XXXX. THE DAY OF MY CLOSING SCAMBELED FOR TEN HOURS TO CHANGE NUMBERS AND COMMIT FRAUD AS THE SAME WAS DONE THE NIGHT BEFORE ON THE CD AND DID NOT AGREE. MY {$5000.00} WAS LEFT OUT OF THE CD, NUMBERS WERE INFLATED AND CHANGED TO BENEFIT CITI MORTAGAGE. MY FICO SCORE WAS AN AVERAGE OF XXXX Citi Mortgage states this. False. I can provide my average was a XXXX. This did not change my rate as I was in the XXXX 's Citi inflated the interest rate to 3.2 % and I clearly stated that is not the correct rate. They came back with 3 %. It is all the game and what they can get away with from the consumer. The mental abuse dealing with these people was exhausting. XXXX XXXX XXXX XXXX.
5. My {$5000.00} was never given to me and I NEVER AGREED TO BUY POINTS. I HAD NO REASON. I CAN PAY TWO EXTRA MORTAGE PAYMENTS A YEAR. THEY TOOK {$3800.00} FROM ME TO BRING MY LOAN DOWN TO 2,75 %, I DID NOT AGREE AFTER THEY LIED. I WAS ABUSED AND FORCED TO CLOSE. I ASKED FOR A DENIAL LETTER BY EMAIL. I WAS INFORMED CITI MORTGAGE WOULD BE KEEPING MY {$10000.00} ESCROW FUNDS IF I DID NOT CLOSE.
6. LEGALLY A DENIAL LETTER WOULD OF RELEASED THESE FUNDS AND NOT ENDURE ANY MORE ABUSE FROM THESE CLOWNS.
7. I HAVE EMAILS FROM XXXX XXXX THAT I WOULD BE REMOVED FROM ESCROW SINCE XXXX WAS BEYOND PUTTING ME AT RISK NOT PAYING MY TAXES OR HOMEONWENERS POILCY AND CAUSING CANCELLATION OF MY POLICY THE LAST TWO YEARS. THE ESCROW WAIVER WAS EXECUTED AND I HAVE EMAILS WITH THIS INDIVIDUAL. XXXX XXXX XXXX XXXX. My note has no limitations or any disclosures I must be escrowed.
9. I have at least 6 CD from XXXX to XXXX.
10. I will go to small claims court with all my emails and proof.
11. The closing documents were wrong. I was completely abused on XXXX and DID NOT WANT TO CLOSE AND REGRET EVERY BEING INVOLVED WITH SUCH A FRAUD BANK. THE NUMBERS ARE SO CORRUPT ON THE CD.
From : [ gmail.com ] XXXX XXXX XXXX Sent : Friday, XX/XX/2021 XXXX PM To : XXXX, XXXX XXXX XXXX XXXX ] XXXX Cc : XXXX, XXXX [ XXXX ] XXXX ; XXXX, XXXX [ XXXX ] XXXX Subject : Re : XXXX This XXXX is From an External Sender This message came from outside of your organization.
This is ridiculous.
I should be getting money back as the way it was explained I can use that money toward debt.
Now I am paying for points.
Bottom line- so many violations going on.
Closer lied and chaos, conflict and constant confusion and circling. A lot of strategizing. I do not think so. As for what happen yesterday is downright unethical. What she was told by whom. XXXX said XXXX XXXX told her to change taxes!!!!
XXXX, I like you however this is unethical dealings and not right. Citi needs to take accountability.
This is unacceptable. All of it.
Basically I am taking {$5000.00} to buy points!
My hotel bill currently at {$4100.00} and counting.
I am not closing today. Citi can be responsible for additional charges from the realtor and seller and take accountability for the violations.
XXXX who is a very well respected Attorney is being blamed by the closer!
This is very serious what is going on- Also as for the {$5000.00} there was never a conversation that I can only buy points with this. I was told I can put additional funds toward debt. What should happen is after all that happen apply it toward my down payment. This has cost me time and money. This is unacceptable on so many levels.
2.75 % No I am not accepting that. It does not cost {$2500.00} for XXXX!! I am not paying for points.
You better have XXXX XXXX office call me.
I did not cause this!
XXXX XXXX XXXX below is just some of the thread from these unethical leaches.
XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX to me, XXXX XXXX XXXX XXXX will send the correct one with $ XXXX lender credit and $ XXXX seller credit plz ignore that XXXX it is clearly incorrect and not updated with the correct figures yetthanks From : [ gmail.com ] XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXX PM To : XXXX, XXXX XXXX [ XXXX ] XXXX XXXX : XXXX, XXXX [ XXXX XXXX XXXX XXXX : XXXX : Final CD XXXX, XXXX This Message is From an External Sender This message came from outside of your organization.
Look at the XXXX XXXX that I sent you that does not show {$5000.00} lender credit. This is the last XXXX XXXX sent.
Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXXXXXX XXXX XXXXXXXX To : XXXX XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX : Final XXXX XXXX, XXXX XXXX XXXX, Take a look and you will see I only received {$2500.00} from the {$5000.00} Homerun lender credit.
Thanks, Sent from my XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX to me, XXXX XXXX, I just sent over most recent CD. I thought you reviewed the XXXX XXXX attached to the email.
Thank you.
From : [ gmail.com ] XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXXXXXX XXXX To : XXXX, XXXX XXXX XXXX XXXX ] XXXX Cc : XXXX, XXXX [ XXXX ] XXXX Subject : XXXX : Final CD XXXX, XXXX This Message is From an External Sender This message came from outside of your organization.
Look at the XXXX XXXX that I sent you that does not show {$5000.00} lender credit. This is the last XXXX XXXX sent.
Sent from my XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwriter?
Sent from my XXXX On XX/XX/2021, at XXXXXXXX XXXX XXXX, XXXX XXXX XXXX wrote : XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX to me, XXXX XXXX XXXX If you could please be patience I promise XXXX is on top of this and will get it fixed please just give her some time You will have a {$5000.00} lender credit and a {$5000.00} seller credit at closing you absolutely have my word on that just plz be patient here Thanks XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX I am not going to do this XXXX Why all the confusion. You sent me a secure CD its wrong. The taxes were reduced. SEND Me the proper CD you have me owing at closing???
Sent from my XXXX On XX/XX/2021, at XXXX XXXX XXXXXXXX, XXXX XXXX wrote : XXXX, XXXX XXXX XX/XX/2021, XXXX to me, XXXX That is correct. XXXX called me and stated the prorations from the seller were reduced.
XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX XXXX, Its way too much now. Did you see the CD I sent you. The new CD she sent property taxes were changed to {$350.00} from {$2900.00} approximately.
This is just well careless. I am exhausted from this.
Sent from my XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX to me, XXXX XXXX, I tried calling you, it says your mailbox is full. If you have any additional questions please contact me at XXXX.
Thank you.
From : [ gmail.com ] XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXXXXXX XXXX To : XXXX, XXXX [ XXXX ] XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX Before I speak to you . Please see next email with proper updates that needs to be corrected. See Next Email with CD and correct figures.
Sent from my XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX XXXX from XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX PM XXXX To : " XXXX, XXXX XXXX '' XXXX Subject : Re : Final CD XXXX, XXXX XXXX, XXXX, XXXX XXXX XX/XX/2021, XXXX XXXX me, XXXX XXXX, Prorations ( the only thing that changed ) come from title company. XXXX called me and said the seller reduced the prorations. That is something that is out of my control.
Thank you.
From : [ gmail.com ] XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXX PM To : XXXX, XXXX [ XXXX ] XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX, XXXX The property taxes are not {$350.00} for 8 months!!!
Sent from my XXXX On XX/XX/2021, at XXXX XXXX XXXX, XXXX XXXX wrote : XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX Sent from my XXXX XXXX forwarded message : From : " XXXX, XXXX '' XXXX Date : XX/XX/2021 at XXXXXXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX, XXXX XXXX '' XXXX Subject : RE XXXX Final CD XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX I do not see XXXX XXXX shot. Can I have the final CD.
XXXX XXXX XXXX Attachments XX/XX/2021, XXXX to XXXX Sent from XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX PM XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX XXXX, XXXX XXXX XXXX, Take a look and you XXXX XXXX XXXX only received {$2500.00} from the {$5000.00} Homerun lender credit.
Thanks, Sent from my XXXX XXXX attachment Scanned by XXXX XXXX XXXX XXXX Attachments XX/XX/2021, XXXX to XXXX See another XXXX!
Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX PM XXXX To : XXXX XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX : XXXX XXXX Final CD XXXX, XXXX Look at the XXXX XXXX XXXX XXXX sent you that XXXX not show {$5000.00} lender credit. This is the last XXXX XXXX sent.
Sent from my XXXX XXXX attachment Scanned by XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX XXXX me Good morning XXXX : The XXXX you sent may not be the final CD. If the final CD does not utilize the full {$5000.00}, we are dropping your interest rate and adding points, giving you a better deal. We will not leave any money on the table.
XXXX XXXX Sales Manager, CBNA XXXX XXXX ID : XXXX CITI Logo Profile Picture XXXX XXXX XXXX XXXX, MO XXXX OFFICE : ( XXXX ) XXXX FAX : ( XXXX ) XXXX EMAIL : XXXX WEB : citi.com/jimurosevic When using email to send confidential documents, remember that email delivery is not always secure. For a higher level of security, visit www.citi.com/mortgagestatus to check your loan status and upload required documents. If you prefer to mail your documents, a self-addressed envelope will be provided in your Welcome Package. If you require an additional envelop or need assistance uploading documents, please contact your processor.
From : [ gmail.com ] XXXX XXXX XXXX Sent : Friday, XX/XX/2021 XXXX AM To : XXXX, XXXX [ XXXX ] XXXX Subject : XXXX : Final CD XXXX, XXXX This Message is From an External Sender This message came from outside of your organization.
See another CD!
Sent from my XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to HollySargent These fees that will the seller will accrue will not be in me thats for sure.
I have such pains in my chest and due the stress I can not even work today. This has caused so much conflict with my office, personally.
If this was an error on XXXX office thats there problem not mine. 5 hours dealing with this.
Legally Citi is not in compliance.
I will not be sending or communicating with anyone as its not my problem. I have made this my problem for months and months. Ive officially check out of being a dog and trying to fix the constant problems.
Have a nice weekend, Sent from my XXXX Begin forwarded message : From : " XXXX, XXXX '' XXXX Date : XX/XX/2021 at XXXX PM XXXX To : XXXX XXXX XXXX Cc XXXX " XXXX, XXXX XXXX '' XXXX Subject : RE : Final CD XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX, XXXX, XXXX, me XXXX XXXX To echo what XXXX stated I emailed an underwriter to request that we lower your rate even further to make sure you get full utilization of the {$5000.00} lender credit and dont leave anything funds on the table.
Please know we are working on this as quickly as possible Thanks in advance for your patience From : XXXX, XXXX [ XXXX ] XXXXXXXX Sent : FridayXXXX XXXX XXXX XXXX XXXX XXXX To : [ gmail.com ] XXXX XXXX XXXX Cc : XXXX, XXXX XXXX XXXX XXXX ] XXXX ; XXXX, XXXX [ XXXX ] XXXX Subject : RE : Final CD XXXX, XXXX
|
| 01/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
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OVERVIEW Before I detail what I have been going through with Citi XXXX Credit card, let me give you an overview.
Back in or around XX/XX/XXXX, I signed up for XXXX membership and signed up for a XXXX XXXX credit card as XXXX was the one in business with XXXX XXXX. At the time, I had a job that was paying me fairly well. So I was able to pay all my credit card bills in full before the end of a statement period and things were great.
In XX/XX/XXXX, I lost that job and embarked on taking courses ( studies ) but I took on a low paying job just to get my bills covered. Down along the road, I found myself with more obligations that forced me into using my credit card.
However, given my background as a person who had not really had debts before and because of responsibility, I was always determined and I made sure I paid at least my minimum requirements which I always did without any problems.
Then at some point as I had embarked on XXXX ( XXXX XXXX ) business for which I had decided I wanted to pursue, I suddenly found the computer I had at the time not being able to handle all my needs. That prompted me to ask XXXX to allow me spend about {$3000.00} for a new computer which they did. So I went over my credit limit by almost {$4500.00} when I add the about {$1500.00} that I already had.
But with all that, XXXX always gave me the " BARE '' minimum ( it could be something like {$350.00} ) which I could pay and whenever I had more, I paid more. So I kept on making my payments and my debt was reducing. I had a clean record with XXXX and with pretty much every other credit card I use.
THE ERA OF CITI So when I was remaining with about {$2500.00} debt with XXXX, XXXX 's business relationship with XXXX ended and Citi took over.
Once Citi took over and of course bought my debt from XXXX, I immediately saw something strange. At the time, I can't recall very well but I think I had approximately {$2500.00} in debt which I didn't so much mind paying given my strategy of making sure I at least paid the minimum requirement so my account stays current as was the case with XXXX.
At this point though, Citi turned the tables around. Now on my online account, unlike XXXX that always gave options like, Minimum Payment Due = say {$350.00} ; Statement Balance = say {$2500.00} ; Total Balance = say {$2500.00} ; Other Amount = Choose Amount ( and I would either pay my bare minimum or pay more which I did and always do if I have some money spared ), which is the way every other credit card company does including : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, among others ( note : because of what I began seeing from Citi, I was prompted to conduct a research from friends as well as random strangers and comparing credit card payment options. Please see a screen shot from my XXXX XXXX credit card payment options ), Citi is the only exception.
So I resorted to calling Citi customer care. Whenever I called them, I explained to them what was going on and every time I called, all their customer representatives gave me different responses. Their responses even puzzled me the most and further proved Citi is doing something fishy on me ( note : I used to write down the names of their customer representatives and their employee IDs, time of the call, and date back in XX/XX/XXXX. Sorry, I misplaced the notes I always took ). Anyway, the representatives would advise me to be calling them whenever a payment is due to find out how much it is. I would and I have asked them many many times why they just don't put that bare minimum payment so it reflects as one of my payment options. At times I'm told it should be appearing on your account ( my account ) or may be the problem is with your app or the problem is with your online account. Other times they tell me our engineers are working on that. And others will just insist I call to find out the amount due.
If I explained to them what I see and have heard about other credit card companies, some would tell me, ok, to meet your bare minimum, pay for instance {$250.00}. But when I pay that amount, next time I receive a call from Citi saying I have a past due of say {$45.00} and I'm charged a late fee of {$37.00}. When I call and tell them I could pay {$290.00} if that amount was displayed as one of the options I had on my online account instead of a lamp sum that I can't pay. The representative I'm talking to would simply say, " sorry '' which is not really paying down my debt.
I always got and I get mixed responses from whoever the representative I spoke or speak with. For example, I would or I get responses such as, " [ You ] I just have to pay because that's Citi 's practice, '' or " there's nothing you can do about it, '' or " that's beyond my ability to help. '' Some would simply hang me off the phone. Meanwhile, others would ask me, " why don't you call us so we can tell you your minimum payment. Yet whenever I called, a representative I spoke with would give me an amount and when I pay that amount, the next thing I see a phone call telling me I have a past due. This past dues are typically in very small amounts which, if I was told, I could pay and for which I'm charged a late fee of {$37.00} plus whatever the interest rate they decide.
There was and has never been a time when two or more different representatives gave me the same amount. Always different amounts.
So I decided not to speak with any representative again and whenever I called because of the same problem, I asked them to let me speak with some one above them like a manager. On numerous occasions they did but even the managers would tell me the same thing. I have spent countless hours on phone with them but nobody really helps me. Instead, they connect me with their Collection 's department to make a payment arrangement. In such cases, I always refused their offer because I only ask for transparency not because I can't pay my debt. I can pay and I want to pay but what I can manage. Also, I always think they might report me to the credit bureaus that I'm on collections which is not the case.
Eventually in XX/XX/XXXX, I finally spoke with one of the managers to whom I recounted my problems with Citi. At the time, she apologized for all the confusion I was getting and the lack of clarity from their representative and offered to refund the Late Fees I had been charged for four months. Immediately she authorized that refund. It was processed but of course the refund of late fees I was fraudulently charged did not mean the interest ( they typically call it Interest on Standard Purchase ) was also refunded. No, that money ( normally a higher fee ) wasn't refunded. Please see XX/XX/XXXX statement attached.
This too was further proof that Citi was and is fraudulently ripping me off.
Things did not end there and I eventually became helpless and resigned to the weight of knowing I'm being taken advantage of. I became so bitter watching myself get ripped off by Citi that I decided I wasn't going to pay it any more until I get help somewhere ( basically somebody who can hold Citi accountable ).
I decided I was not making any payment beginning with the XX/XX/XXXX payment.
On XX/XX/XXXX, I saw something strange from Citi. For the first time, a message suddenly popped up on my account when I had logged on telling me that my payment of {$150.00} was past due by 18 days. I immediately took a screen shot of it and immediately that message disappeared and I never saw it again. Please see the screen shot.
Armed with that screen shot, I decided to make a payment of {$150.00}. But of course, I was already charged a late fee of {$37.00} plus whatever the interest they charged on that standard purchase.
In the month of XX/XX/XXXX, because I was tired of calling Citi, I decided to make a guess based on the message I saw on my screen. I made a payment of {$150.00} on XX/XX/XXXX.
XX/XX/XXXX, I had a payment due so I went to the app to make another guess and pay {$200.00} which I had, the app could not let me make that payment. A message popped up saying, " Other amount must be between the min due and the current balance. Payment can be scheduled for today or till the next statement cycle date. '' I couldn't make a payment. Please see a screen shot I took.
Note : The minimum due which is the total balance of my over the credit limit is what I can't pay and I told them that every time I spoke with them.
At that point I called Citi-XX/XX/XXXX and spoke with a representative who identified herself only as XXXX, ID XXXX. She told me I have a past due payment of {$21.00}. I asked her why they didn't show me the bare minimum that I needed to pay to meet my obligation at the time. In response, she also asked me how I came to make a {$150.00} payment. I told her I had to make a guess work based on the message that appeared on my screen. She then told me that month ( XX/XX/XXXX ) I had a minimum payment of {$170.00} but only paid {$150.00}. This infuriated me again. I again began explaining myself and demanding to know why Citi is conducting a shoddy business and ripping me off. She told me, I had to make that payment to bring my account to a current standing. And that if I made that payment, my account that was past due would be up to date and no payment would be due until XX/XX/XXXX again. So I demanded to talk to somebody above her about my issue.
XXXX connected me with another lady by the name XXXX, employee ID XXXX who told me she was from the Client Focus Team.
XXXX simply took me back to the noise I had heard all along and that's to be calling Citi every month when a payment is due so they can tell me the due amount ( note : I don't even like those things of calls. Typically, I don't set up any automatic payments but I on top of my payments for any bill. I prefer doing things online or through the app. Very simple for for me ). When I countered her advise with the fact that I had done the same thing before but nothing changed, she insisted that was the only thing I had to do. So I told her XXXX had just told me, if I made a past due payment of {$21.00} which I had paid already, my next payment was going to be in XXXX.
There and then, XXXX contradicted XXXX and told me, no, you have a payment of {$180.00} which is due today. So I told her something to the effect, " you see, XXXX just told me something different and you're now telling me something different. '' She said XXXX didn't know what she was talking about. This conversation was between XXXX - XXXX. I had just talked with XXXX who connected me with XXXX. It was at XXXX when XXXX disconnected her line and left me with XXXX XXXX So I told XXXX I needed to talk to somebody above her preferably somebody in Public Relations. She told me they don't have one ( note : I had been told the same thing before ). So she tried to connect me with somebody from the Account/Escalation team but they had closed. She told me she had left a memo to them and that they would be calling me the next day, XX/XX/XXXX.
XX/XX/XXXX at XXXX, I received a call from Citi. It was XXXX, employee ID XXXX on the phone. He told me he's from the Account/Escalation department which is their highest department next to the CEO. He told me he was calling following a notice he found about my issue. I went ahead and explained myself to him and he quickly told me he's the highest person next to the CEO. That what he was telling me which was basically the same thing I had heard before was the much he could do. The the final thing he suggested was, " If you want, write to the CEO. '' I asked him for the contact information of the CEO and he told me they're not supposed to give that information out. Instead, he gave me the address below.
Citi Bank XXXX. XXXX XXXX, XXXX, Tenneesse, XXXX.
Fax : XXXX.
I have not been able to write to the CEO of Citi but it has been on my to do list. It's the first thing on my to do list once I get done with my current some program I'm on right now which is very hectic and leaves me with no time to just seat down and detail my problems to the CEO of Citi.
But it has been my plan until yesterday,XX/XX/XXXX when I drove a guy who told me he works with Consumer Financial Protection Bureau and that he's in XXXX XXXX to give a talk on CFPB. I related my troubles with Citi to him and he advised me to file a compliant with CFPB.
It's how I decided to take time and seat down to file my complaint hoping, I'm going to get help and hopefully Citi is held accountable for their actions.
Meanwhile, I would simply love that Citi refunds all the late fees and interests they have fraudulently charged me. I believe my debt with Citi would be I believe almost {$2500.00} less by now.
To the CEO of Citi and those around him, {$2500.00} is a grain of sand in an ocean but to me it its an ocean in a grain of sand.
I work very hard, spending sleepless nights studying or driving for a living and I wouldn't want and I don't play with every dollar I make. Every dollar I spend on paying a credit card debt for me is a step forward to freedom stemming from a debt free life again.
My debt struggles are not a sign of laziness or financial irresponsibility. Rather its a situation that I got into but I know and I'm confident I'm working to fix it but my weakness should not be used by opportunists to make riches.
Sorry, I know this is too long but I hope whoever lays their eyes on will read to the end and see what I have been struggling with and what other people out there might be struggling with.
Thanks!
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| 12/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I am writing today regarding my fraud claim case which was wrongfully denied by Citibank. I have provided all the requested evidence that the investigator requested however the investigator lied numerous times and denied the claim unethically. Please read below for the whole story.
In early XXXX, I was visiting my cousin in XXXX and we, my brother and two cousins, were robbed. We all had all of our wallets and phones stolen. We filed a police report and as soon as we got a hold of a phone, started calling all our banks/credit card companies to inform of what happened and to cancel/block our stolen cards, and called dmv to get new licenses etc. The thieves swiped all of my credit cards, most credit cards detected fraud after the initial 1-2 transactions and auto locked and the thieves only were able to steal a few hundred dollars per card. However, Citi security did not detect fraud and the thieves were able to swipe my Citi card for approximately {$3500.00} before it locked. I have provided evidence of all these cards to Citi as a show of good faith even though it was not requested by the investigator. My investigator for the case was Citi Security Operations employee XXXX XXXX. I explained the whole story to him when he got contacted me initially. He requested that I provide two things : ( 1. ) a front and back copy of my driver 's license which I had told him was also stolen as it was in my wallet during the robbery. ( 2. ) proof that my phone was stolen by sending proof that I called my cell phone carrier to suspend my phone line and resumed it by purchasing a new SIM card. I obliged and sent him the requested documents. Then I would call him every few days to check on the progress of the case, he never answered his phone and his phone mostly went straight to voicemail. I left him countless voicemails, emails, and messages to check on status of case and see if he needed any more evidence to conclude his investigation. He was extremely unprofessional and never returned my calls, left my messages on 'read ', ignored voicemails, and got back in touch with me. Few weeks later, I got a letter in the mail saying my claim was reversed/denied and the investigation is concluded. At this point, I was calling Citi customer support and security operations on a daily basis to see why it was denied and to attempt to get in touch with Investigator XXXX XXXX. The customer support teams would have me explain my story to each individual person and then 30 mins later transfer me to another person/department and have me repeat the process. I usually spent about 2 hours per phone call and did this for countless days and nobody helped me even though I had provided all the requested evidence. They would always say we can't help as there is an investigator assigned to the case even though I informed them the head investigator never answers his phone or returns my calls after I have left him numerous voicemails. They told me they can file a complaint on my behalf and have someone call me back. I filed 3 different complaints and never got a return call. I used to call the investigator during business hours almost daily and surprisingly he answered my call one day. I asked him what was going on and why he denied my claim, even though I provided him with all the requested documents. He said there were two main reason, one because I had said my license was stolen but I sent him pictures of my license as he himself requested. I explained to him that I sent the pictures from my Photos gallery on my laptop as I have pictures of my license, passport etc saved in my computer. He said that he requested pictures of the 'new ' license that I got from the DMV not the old one and to send him those if I want him to reopen the investigation and approve the claim ( he was lying and I have proof of the original letter he sent from Citi security operations where it simply says provide a copy of license, and not a 'New ' license, I thought he was simply trying to verify my identity, instead he was trying to trick me, so I sent the pics from my photo gallery on my computer ). I told him that I have requested a new license from DMV and it recently came in the mail and that if he was clear in his request I would've waited until the new license arrived in the mail and sent him photos of that instead. He then proceeded to say okay send me the new license photos and sent me a email from Citi operations reopening my case and requesting this information ( I have evidence of this letter and the fact he reopened the investigation as well ). Immediately after, I send him pictures/proof of the new license which clearly says it is a reissued license from the DMV on it. He also said that the evidence I sent him from my online XXXX XXXX phone account of line being suspense and restarted was not enough and that to send him the actual receipt of transaction. I told him I work in New York and was back home when I got a new SIM card in Virginia, and that to get the receipt would have to drive 6-7 hours each way. He told me he needs the receipt of the transaction if I want my claim resolved so I had to waste 2 days of my time to drive to Virginia to get the evidence for him as XXXX XXXX said they couldn't email the receipt via email due to internal policy or security reason. I was able to get the receipt and sent him that. As a show of good faith, I also sent him proof of my other credit cards fraud that were swiped by the thieves as I mentioned previously. I sent him Proof of fraud at my other credit cards/banks including : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX cards. All of these credit cards detected fraud and auto-locked after 2-3 transactions, my Citi card was the only card that let the thieves do many more transactions. All three of these banks have refunded the amounts for the fraud dispute after their investigations and had concluded their investigation in my favor. At this point I simply wanted to put this all behind me and have the issue resolved. At this point after I sent him all the necessary evidence once again, he simply stopped responding to my calls, voicemails, and emails. I have proof of at least 15 different emails I have sent to XXXX and XXXX email addresses requesting to receive updates or to let me know if they atleast received the documents I was sending and if anything else was needed, and as usual got zero replies from Citi similar to the investigator being non responsive to calls/voicemails. The second big reason my claim was denied according to investigator XXXX XXXX was because he claimed he called the police department in XXXX where I filed my report and claimed the police told them it wasn't written/listed anywhere in my report that phones and wallets were stolen. I subsequently spoke to the XXXX police department and the detective who is handling the case. They said it is clearly listed in the report that four phones and wallets were stolen, and that no private investigator called him to confirm this information. They said that even if someone had called them, they wouldn't be obligated to give this information out to any investigator or credit card company legally speaking. So how could he deny my claim based on these charges initially when it is clearly listed in the police report is beyond me. I also have 3 other witnesses who are part of the police report to corroborate my story. At this point, it was clear to me he was shamefully lying and I lost my trust completely in Citi and the process. I once again emailed the two Citi addresses provided and expressed my frustration about the non-responsiveness of Citibank and let them know that I am waiting to hear back as I have sent all the requested evidence for my initial and re-opened investigations. I was being made to jump through many hoops unnecessarily and waste hours upon hours calling into Citi daily even though all the requested evidence had been provided from my end. Once again, no response. I even wrote into the XXXX Police Department records division to request a copy of my police report, I once again had to collect numerous pieces of information to request this and waste more valuable time. They said it can take unto 6 weeks to get the report through the mail process and the best way was to come into the office in XXXX and pick up the report. This meant that I would now have to fly to XXXX again to prove my side of the story. Luckily my cousin who lives in XXXX was generous enough to go in to the station for me, as he is also part of the report as one of the four victims and get the report. He had to skip a day of medical school to do this as the records department is only open during week days. I have since scanned the police report which clearly mentions 4 stolen wallets and 4 stolen phones contrary to the investigators claim and emailed a copy to both Citi email addresses XXXX and XXXX along with my old credit card number. Recently, a Citi investigator named XXXX XXXX contacted me due to me filing 3 different complaints with Citi. She told me that my case has been closed by Security Operations at Citi and I need to write into the Presidential Department, which is the reason for this lengthy letter. I told her that the previous investigator reopened my case and I have proof of that via the email thread and letter he sent me, however she said there's nothing she can do and that I can file a complain if I would like which I knew would not accomplish anything just like the previous 3 complaints I filed. She also uploaded half the documents and evidence I had provided to Citi into my case file for the Presidential Department to review. However, she said half of the evidence I sent was not uploaded and to resend it, which I did. Soon after, she also stopped responding to my calls, I would call her almost daily to see if she had uploaded my evidence into my case file so that by the time I wrote this letter to the Presidential Department, all the evidence would be there for them to look at ( since sending the police report and resending proof of my phone line being suspended/resumed and SIM card receipt which she said wasn't uploaded into my case file previously despite me sending it at least 3-4 different times ). I was not been able to get in touch with her for almost 2 weeks despite calling repeatedly, finally when she answered 2 weeks later, she said the case it completely closed on her end as well and there is nothing she can do, even though 2 weeks earlier she said the last missing piece of evidence I needed was the police report and that would resolve the re-opened case. She said write a letter to the presidential department and they would get in touch with me. I asked her for a phone number and email of Presidential Department as well, however she said they don't have email or Phone number and that you can only write them a letter. I asked her how would I know if they received my letter, since Citibank has been extremely non-responsive, unethical, and abusive regarding handling of this case and all my previous attempts to get in touch with them were mostly ignored. She said I have no other option than writing the letter and waiting for their response. So I wrote a lengthy letter and mailed it. Just as I feared, once again Citibank has not responded to me, it has been over 2 weeks since I mailed that letter. I always call Monday to Friday during business hours, but the Citi investigators phones are always turned off and go straight to voicemail. After leaving numerous voicemails, they never call back.
In conclusion, I just want to request the the CFPB to please look into my re-opened investigation and have CitiBank refund me the money that was stolen from my credit card by the thieves as per their 'Zero Liability on Unauthorized Claims ' policy. This has been the worst and the single most frustrating experiences I have had to deal with as a customer of any company, financial or otherwise. Furthermore, I have provided all the evidence necessary including drivers license which clearly says on it that it is a reissued license by DMV, proof of fraud at other credit card companies, Police report, and proof of phone line and SIM Card. The unauthorized purchase amount of approximately {$3500.00} is a big amount for me and this whole process has caused me a lot of undue stress apart from the stress I was already dealing with from being robbed and losing my phones and all my valuable data and photo/video memories inside it. I have spent countless days and hours of my time trying to resolve this issue and have been ignored by the Citi Security Operations department. I would also like to take this opportunity to file an official complaint against Citi Investigators XXXX XXXX and XXXX XXXX from the Citi Security Operations department to the Presidential Department as well. His phone number is XXXX, I have filed many complaints to Citi customer service as well due to the highly unethical and unprofessional behavior I experienced. Thank you so much for reading this, and I apologize for it being so lengthy. Please look into my case and help me have it resolved.
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| 07/15/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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|
Web |
Servicemember |
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I've had significant issues with Citibank over the last couple of years. At first, I was enthralled with the idea that Citibank was a great, reputable bank that was worldwide. However, I soon came to find out that not only are they one of the worst banks, but they will do anything and everything they can to not protect the customer and not rectify their wrongdoings. Citibank has created an enormous financial burden for me over the years. The main issues stem from XXXX, when the identity theft first started. After a robbery in XXXX, crooks stole my credit card information, social security number, passport, drivers license, bank and routing account information and all applicable security data that was stored in my XXXX. I suffered through about {$80000.00} worth of fraud across 9 credit cards and Citibank. I was in the hospital for months after the attack, and the crooks kept charging the credit cards and the cards were linked to autopay on my Citibank account and getting sucked out monthly. The crooks took my debit card as well and they emptied everything out. I ended up with nearly {$2000.00} worth of returned check fees. Citibank never contacted me to think anything was suspicious until I logged in and noticed what was happening. Long story short, everyone had my back -- XXXX XXXX, XXXX, XXXX -- everyone but Citibank, my own personal bank. I had a near 800 credit score before all of this happened and paid my bills in full every month, and never had insufficient funds nor do I even have overdraft turned on. I filed police reports, identity theft reports, and spent months working with investigators doing everything they asked me. Citibank laughed in my face and said " too bad. '' I had to move to XXXX State and there are no Citibanks in the XXXX XXXX, so I had to sit on the phone for hours at a time getting outsourced to the XXXX and places in XXXX where they barely speak English or know what is going on. I got handed around again and again and again with no form of resolution. Finally, I went to my own personal banker where I opened my checking account, the branch manager in XXXX, XXXX named XXXX XXXX and she was horrified by what Citibank was doing. She tried further disputing everything and getting my money back, but could not. Keep in mind, this happened in XX/XX/XXXX-early XX/XX/XXXX and took years to settle. I was recommended to contact the CFPB to let them know what was happening. Citibank, the bank portion, ended up making things right ( for the most part ) but they only returned the money that was taken from me. I didn't get any other " bonuses '' or compensation for my time spent on the matter. I ended up filing a lawsuit against Citibank Credit Cards for all the fraud that was on one of the credit cards. I worked with XXXX XXXX, who was a lawyer for Citibank, who apologized and removed the card from my profile after reviewing everything I sent her. Because of that one Citibank card, my credit went down from nearly 800 to XXXX. After it was taken off, my credit was rectified to what it originally was ( near 800 ) but still, the trauma that results from these financial issues is unacceptable. You can't rent an apartment, get a new credit card, open a new bank account or do anything. If someone was actually responsible for defaulting on that, then thats understandable, but not for fraud when I have police reports, photos and news articles detailing what happened.
So that was prior. Now onto the current issue I am having with Citibank. I ended up enlisting in the military in XX/XX/XXXX. I left for XXXX and came back to XXXX in XX/XX/XXXX. When I came back, I noticed some fraudulent charges on my account from the time I was XXXX. I went in to the XXXX XXXX Citibank # XXXX on XX/XX/XXXX and spoke to XXXX XXXX, a personal banker, NMLS : XXXX, who took all of my information and details and said she was going to work on resolving this as soon as possible. I told her I was on my 7 days of military leave and would be XXXX again. She said she would do everything in her power to rectify things.
Fast forward to XX/XX/XXXX, I have no access to my phone abroad nor Internet. I had been gone for over 3 months now and was on another 7 days of leave. I left XXXX XXXX a message to see if everything was fixed but did not hear back. On my last day of leave I called the branch again, and they told me that XXXX XXXX left within 2 weeks of me visiting that branch in XXXX. So once again, Citibank just didnt seem to care and left me in distress.
I XXXX once again. I came back in XX/XX/XXXX. I had 2 weeks of leave this time so I had more time to check on everything. I was shocked that this was happening once again. From XX/XX/XXXX - XX/XX/XXXX there was over {$25000.00} of fraud on the account. For someone in the military, that is A LOT of money that got sucked out. I kept money in that account for two reasons : one for autopay for my XXXX XXXX cards, which are authorized for my family members to use the XXXX cards and XXXX is authorized to take that out of the account ; two is for my monthly car loan that I authorize XXXX to debit from my account so my family can have a car to drive while I am away. That is it. They do not have access to my bank account and I expected security measures to greatly increase after what has happened previously.
I went into a branch in XXXX XXXX, XXXX in early XX/XX/XXXX. I was furious and went to a personal banker and highlighted every single charge that was fraudulent -- every charge that wasn't from XXXX or XXXX from XX/XX/XXXX - XX/XX/XXXX. He said he would take care of it as soon as possible, I didn't know whether or not to shut down the account because I only have Citibank and a military bank account and I still had money flowing into the Citibank account from direct deposits, etc. I believe that he blocked it.
However, during the 30 days, Citibank refused to issue any provisional credit for a majority of the charges. So they were personally holding {$25000.00} of my money until the " investigation '' finished. That's absurd. People can die from that. That is A LOT of money for some people. How else am I going to pay the rent, food on the table, etc? Citibank laughed and thought it was a joke again. I returned for training in the XXXX XXXX and there was no Citibanks there. I was gearing up to go for XXXX again and now Im traumatized by the way Citibank was handling the situation, and my lack of finances in my account that I worked for!
I was told I was going overseas again, but we were going to the east coast prior. I went into a bank on my day off and barely missed the closing time on XX/XX/XXXX. I met with Mr. XXXX XXXX, NMLS ID XXXX, and I was there for almost two hours talking to him and the fraud team. As it turns out, the fraud team missed thousands of dollars worth of transactions that were highlighted. Mr. XXXX agreed that I should take this up with the CFPB once again and possibly file another lawsuit, and he vouched to help me get this settled. We spoke to the fraud team and one of the supervisors named " XXXX '' with code ( XXXX ) said that many of the transactions were ruled in my favor ( of course ) but some ATM transactions were not and that I can appeal these ( which I am doing now ). She also promised to help get everything sorted and apologized for the inconvenience Ive had with Citibank. I gave XXXX permission to work with Mr. XXXX and discuss any and all applicable information necessary for this case. Our call ended with XXXX at XXXX EST.
The following week or so, Mr. XXXX confirmed some transactions were permanently given back to me such as from a merchant named " XXXX '' where a bulk of the money was getting laundered to.
There was good news for a while, and I wanted to close this Citibank account and have just a more secure military checking account because Ive had way too many issues with Citibank. However, down the line, I started getting calls from XXXX that my autopay for my car loan wouldn't go through. I got worried and checked my bank account with XXXX -- I had a significant negative balance. XXXX had confirmed to me that all of the transactions were getting processed to getting permanently credited, so this was concerning.
I logged into my Citibank account and found that they sent me at least 10 different messages ruling in my favor.
From the looks of everything, the largest of the transactions that left my account were through " XXXX. '' Citibank ruled in my favor issuing permanent credit for a few of these transactions, but then sucked the money back out of my account. How is it that only some of these transactions are fraudulent but others aren't? This sounds exactly like the same predicament as XXXX! EXACTLY THE SAME. IT DOESN'T MAKE SENSE.
This is the email I sent to Mr. XXXX in regards to finding that : XXXX Hi Sir, So its getting further complicated now. Im not sure what the issue is but they credited me roughly another {$1000.00} on XX/XX/XXXX. They said they were honoring almost everything and then today I got a notification that they sucked {$8300.00} out of my account without any notification, etc. Can you please look into this? Im so tired and stressed out from Citibank Im waiting til everything is finished to file suit.
So just based off the last email sir, I went into my account and it looks like an error on Citibanks behalf ( again ).
On the XXXX they sucked $ 8,000+ out of my account but I checked all the letters from the entire month of XXXX and they said nothing of this. They said they were honoring a majority of the requests aside from the ATM transactions and the transactions involving a cardholder signature, which I was going to file in my complaint with the FCC.
But looking at the letters shown, and the one on XX/XX/XXXX in particular, they found the transactions from XX/XX/XXXX {$2500.00} XXXX, {$2000.00} XX/XX/XXXX Coinbase XX/XX/XXXX XXXX clearing all to be in my favor. It says that these credits are now considered permanent. But on XX/XX/XXXX they just debited my accounts for THESE same transactions! How does that make sense? I have everything in writing from Citibank itself saying the credits are permanent.
Furthermore, aside from those 3 credits that were debited again on XXXX, theres two more! One for {$2400.00} and {$1000.00} both from XXXX! So how are only some of these transactions from coinbase considered in my favor and some not? How does any of this make sense! This is why I sued them last year! They dont know what they are doing.
Please help me in resolving this case sir, I appreciate your time handling it thus far.
Thank you.
Mr. XXXX apologized for this, and asked to see the letters from Citibank saying that these credits were considered permanent. I sent the most recent 7 letters I could find, its all in writing Citibank! Its verified by multiple people on recorded lines and its literally in writing. Theres police reports, evidence, everything is there. Its not fair what you are doing to your customer and its not fair that its so hard to contact Citibank while youre in the military and monitor all of this. Who has the time, energy and effort to deal with all of this? When you bank with someone, you are literally entrusting them with your life savings, your will, benefits for your family, etc. You dont do this to people! Its not right! Please have a top Citibank CEO or employee get back to me, or have someone contact me to rectify this situation. Otherwise, I really have no issue filing another court case in regards to this. Its a shame that is what has to be done, but its just absurd to even think about. This letter alone to CFPB took 3 hours to construct. If I had to calculate the number of hours just dealing with the issues Ive had to personally deal with Citibank it would be 800+ hours. This just shows how Citibank doesnt care about members of the armed forces serving XXXX XXXX. I come home with enough XXXX and XXXX from abroad just to get these friendly greetings from Citibank. Factoring in the XXXX XXXX, XXXX XXXX and financial impacts of what Citibank has done to my family, and me its really priceless and thats something they will definitely consider in civil court a lot more than the {$25000.00} taken from me!
To make matters worse, Mr. XXXX told me that XXXX no longer works for Citibank and so shes gone. It took hours to explain my situation to her and then she disappears and Im expected to call the fraud department and discuss my case again? Seriously? How many times does this keep happening? Then Mr. XXXX sent me another message saying his last day at the Citibank branch was on XX/XX/XXXX because he has decided to move back to XXXX. Are you kidding? These are the employees Im entrusting and its just like a vicious cycle to the consumer and the customer. Its not a good look to see this high of a turnover rate at Citibank and just look at the way its affecting your customers!
Please rectify this situation Citibank.
|
| 04/13/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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See email I sent to Citibank Mortgage representative on XX/XX/XXXX - with whom I spoke to on the phone on XX/XX/XXXX and asked her to email me summarizing our conversation ( see original email from her for which I am replying to below ) BACKROUND : I started the loan process on XXXX with XXXX XXXX through Citibank Mortgage.. I found out through Citibank lawyers for whom I was working with to get my stock certificate for my coop for closing~ that my loan was " no longer active '' via email on XX/XX/XXXX. I had never heard from Citi that there was any issue until that date.
XXXX, Thank you for your email. I have many concerns regarding my loan application. I was never made aware that my loan was rejected before XX/XX/XXXX when the Citibank lawyers told me in an email that my loan was no longer active and that I needed to contact Citibank. In review of what has transpired I have outlined the events which I feel that Citibank employees were negligent in the handling of my loan and trying to hide the mistakes made.
IN SUMMARY : 1 ) I called Citibank mortgage department ( my personal banking is with Citibank since XXXX ) on XXXX and spoke with XXXX XXXX and reviewed I was interested in doing a refinance on my investment property with whom I had a mortgage with XXXX XXXX XXXX ( BOA ). I reviewed that was not my primary residence and had been told by BOA that they do not do refinance investment properties. XXXX told me Citibank did due these refinances and I could do a cash out on my investment property and that we could be my preapproval on the phone right then. I went forward with preapproval, she ran my credit and started the process in which was I preapproved. I was later charged on XX/XX/XXXX for {$760.00} to my CC for this process.
2 ) As stated above, I found out on XX/XX/XXXX my loan was cancelled through the Citi lawyers via email as I was communicating with them regarding getting my stock certificate which was needed for closing. I had been in close contact with them for over the past 2 months regarding this. I had no idea why it was denied and I thought it was because I did not have my stock certificate from mortgage ( which I was actively trying to get as you can see by attached correspondence ). I called citi on XX/XX/XXXX immediately after hearing my loan was no longer active by the lawyers and then saw it was closed on my loan dashboard. The representative on the phone said she could not give me any additional information on what was going on bc the loan was closed but offered to start an investigation for me. She told me this would take up to 72 hours for me to get a call back. I was very upset, was crying and explained I had to work and she said she would ask for the f/u call be made to me before XXXX XXXX and after XXXX if possible. She also said she would escalate this to the managers of the people I had worked with-> XXXX XXXX ( LOAN OFFICER ) and XXXX XXXX ( LOAN PROCESSOR ) to identify what happened.
3 ) I had multiple phone calls with XXXX XXXX ( Loan Processor ) regarding my loan and when we spoke the XXXX week of XXXX of XXXX we reviewed together my documents on the loan dashboard, and told me they were good to go for the underwriter. I had also emailed him my co-op board questionnaire as requested ( see attached ) and asked about additional documents needed for my co-op for the refinance and he was looking into getting them. I was told nothing else was needed. I never had any contact with him after our last email when I asked and confirmed pushing off my closing of XX/XX/XXXX as I was then was focused on getting the stock certificate and communicating with the Citi lawyers.
4 ) Upon hearing the loan was rejected on XX/XX/XXXX, I thought ( bc I was told all my other documents were in good standing as stated above # 3 ) it was due to the fact I did not have my stock certificate for my original closing date. I had been working diligently with the citi lawyers to try and get that for my closing. I had even spoken to and had in withing from XXXX XXXX that my closing needed to be pushed back 90 days passed the XX/XX/XXXX date and that my interest rate would be locked without penalty. See attached documents.
5 ) I called Citibank again on XX/XX/XXXX to follow up on because I hadnt heard anything regarding my investigation filed on XX/XX/XXXX, they said it had not been 72 hrs and I was told XXXX XXXX ( my original loan officer ) would get back to me by the next day. I asked why not their supervisors as discussed on XX/XX/XXXX ( see above # 2 ). I asked the representative on the phone why XXXX was calling and and she replied she was the one assigned to the case. I was disappointed I was not going to speak with their managers but said OK because I was desperate to get information on my loan.
6 ) By XXXX XXXX on XX/XX/XXXX neither XXXX or anyone else from Citi mortgage called me back regarding my investigation into why my loan was denied, so I called again. I was told on the phone from the representative that she could ( different person who spoke to me on XXXX ) see that my loan was denied because it is an investment property with occupancy. I immediately stated that cant be the reason because the refinance was always for an investment property and XXXX XXXX knew that. After being placed on hold I was told to call XXXX @ XXXX because her desk phone was not working.
7 ) I called XXXX XXXX on XX/XX/XXXX as requested by the Citibank mortgage representative @ XXXX and asked why my loan was denied. XXXX first told me that that information I was given is incorrect about my loan denial but then when not able to explain the reasoning to why that the loan was no longer active. She then went on to say that she saw a note from the underwriter it was an investment property with occupancy which she thought was vague and didnt understand. I was very concerned and confused by this because I had thought the denial of my loan was due to lack of documents available by an initial closing date ( which I thought XXXX XXXX just never pushed back as requested see # 4 ). That however was not the reason and XXXX reiterated that she didnt understand why occupied investment property was the reasoning for the denial. I became more confused which I was told from day 1 of this process on XX/XX/XXXX that this type of refinance was ok. XXXX said she didnt understand it and remembered that I was doing the refinance because of a recent divorce ( I had told her that on the initial call ). I then asked if the property did not have an occupant, would that work? I was told by XXXX that she didnt think that was the issue but would need to speak with her boss.
8 ) On the same conversation as discussed in # 7 with XXXX, I expressed being upset that I had not heard there was an issue with my loan, not an email, call, or letter. She asked if I had any recent communication with XXXX XXXX regarding my loan. I repeated I had no recent communication with anyone with at Ctibank despite the lawyers and reviewed the last email correspondence was on XX/XX/XXXX ( see attached ) .. During the conversation with Ms. XXXX ( on her cell phone, she voiced concern she didnt know why she was no longer ccd on emails regarding my loans and that she should have been on all correspondence. I explained I didnt know that and XXXX never XXXX her on our correspondence so I thought I was just working with him. However I did tell Ms. XXXX that I was frustrated with his communication/explanations, so I started to email him after we spoke to confirm the plan so I had it writing. XXXX then went on to say This call is off the record and on my cell phone but XXXX said he reached out to you and explained the problem with the loan but I understand THAT IS NOT TRUE and you dont want to deal with the whirlwind that is XXXX XXXX. I confirmed I have never heard from him. Ms. XXXX also said she would guarantee she would do anything to get my money back and didnt know what happened because the underwriter was unclear and that the underwriters are very picky these days. I asked if she has ever seen this before on an investment property and she said No. I voiced my concern that I had been dealing with this for >3months and was told it was normal After it was made clear to me I was not going to get any further information what happened I hung up the phone and XXXX said her supervisor would call me Monday as they were out of town without access to work and she could not do anything for me further. It had to be her supervisor. As of XXXX on XXXX her supervisor has NOT called me.
9 ) Shortly after and I got off the phone with Ms. XXXX on XX/XX/XXXX, l I became more confused and frustrated because I didnt understand how my loan got that far before a denial on something I was told from the get go was OK ( refinance on investment loans ). I called her again on her cell but she did not answer. I then sent her 2 more emails which have gone unanswered because I DID NOT WANT TO WAIT AGAIN UNTIL MONDAY TO HEAR FROM HER SUPERVISER AS I STARTED MY INVESTIGATION ON Tuesday XX/XX/XXXX and started the loan process as far back as Monday XX/XX/XXXX and now was being pushed off to Monday XX/XX/XXXX. I tried to call her back on her cell she gave me bc again her desk phone wasnt working.
10 ) After thinking over what had transpired, I decided to call other banks to see if they could refinance my investment property. I called XXXX and XXXX XXXX. I was THEN EXPLAINED BY TWO SEPARATE LOAN OFFICERS FROM DIFFERENT INSTITUTIONS that Fannie Mae no longer offered these type of loans bc they are risky after the XXXX financial crisis and when in fact they are able to be refinanced loans they are given at higher interest rates ~ ie XXXX % ( not the < 3 % I was offered ) and usually has to be paid off in a short term. When I reviewed what had happened to me, they both separately said that it appeared my original preapproval application was most likely filed incorrectly and that my investment property was most likely listed as my primary residence hence my low interest rate and loan conditions and then the underwriter saw it and turned it down immediately. XXXX, my Citi loan officer, did not explain any of this to me originally when I called on XX/XX/XXXX or when I finally spoke to her on XX/XX/XXXX regarding my denial earlier as being the most logical reasoning of what had happened.
11 ) After speaking with these other 2 banks I called Citibank again to file a 2nd complaint on XX/XX/XXXX because now I believed I was getting purposefully misleading information on what happened to my loan. I spoke to the representative XXXX XXXX, who listened to my story ( she was VERY professional and accommodating ) and she explained she can file a 2nd complaint on my behalf and again reviewed that she would escalate this to both XXXX XXXX and XXXX XXXX supervisors. I confirmed my conversation was being taped because I wanted this conversation to escalate because my previous conversations ( WERE NOT ESCALATED ) I WANTED THIS TAPED as my conversation with Ms XXXX on XX/XX/XXXX ( earlier that day ) was off the record and on her cell phone. I explained to XXXX that even though she is requesting a 2nd investigation which will be escalated to their supervisors, I was skeptical that anything would transpire because I was told that on Tuesday XX/XX/XXXX ( see # 2 ) and it never happened. I reviewed again with XXXX I never ended up hearing from anyone this week and in fact had to call myself to only get XXXX XXXX again. I asked if XXXX if she saw that I had called on XX/XX/XXXX requesting an investigation to my case which she replied Yes but that was closed. I was IN SHOCK BY THIS by this and questioned how it could be closed when in fact I have no other information regarding what happened? XXXX could not answer that but agreed to email me and put in writing what we had discussed ( see email in which I am replying to ).
Due to the lack of communication and delinquent and egregious behavior in processing my loan as outlined above I will be filing a compliant with the Consumer Financial Protection Bureau.
Good afternoon XXXX, I am reaching out following up on our phone conversation this afternoon.
I have logged and escalated a complaint on your behalf and sent an email to follow up.
I have noted that you filed a complaint on Tuesday and were told you would receive a call back in 72 hours and did not.
You were not told that we could not refinance an investment property. Found out from the Citibank attorney that file was denied.
XXXX and XXXX XXXX both told you right away that you cant refinance an investment property and that you would like your money back that was charged to your credit card.
Please let me know if I have missed anything.
Thank you, XXXX XXXX Personal Processor
|
| 11/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Citi Bank advertise the promotion called Citi XXXX Account Package. I have copied their promo terms & eligibility. According to their promo, I'm eligible to receive {$700.00} cash bonus and I supposed to received the cash bonus by end of XX/XX/XXXX but they haven't give cash bonus yet. I have called several times since XXXX to confirm the eligibility and they confirmed that I'm eligible to receive cash bonus everytime I called however, they haven't paid me the cash bonus yet.
Per their requirement, I opened a new checking account on XX/XX/XXXX and I have to deposit and maintain minimum required balance for 60 days then The Cash Bonus will be credited within 90 calendar days from the date I complete all Required Activities.
Today, I called the bank and they confirmed me again but they have not credit the cash bonus. I believe they are publishing false advertising and this is a scam.
I also copy their current promo below. Only the date of offer expiration is different than in XXXX.
1 TERMS AND CONDITIONS Offer Eligible Customers can earn the {$200.00}, {$400.00}, {$700.00} or {$1500.00} Cash Bonus during the Offer Period by completing the following Required Activities.
By participating in the Checking Cash Bonus Offer, you agree to be bound by the following Terms and Conditions.
If you choose to change packages within 30 days of account opening ( see Package Options below ), your change reflects 1 ) that you have reviewed the new package offers terms and conditions, which appear in this document and 2 ) have consented to participate in the offer for that package.
Eligible Customers Checking Offer Eligible Customers are New-to-Citibank Checking Customers. New-to-Citibank Checking Customers have not been a signer on a Citibank checking account within the past 180 days.
Required Activities If Eligible Customers open their eligible accounts by any other means than those described, they will not be enrolled in this Offer and will not be eligible for the Cash Bonus.
Eligible Customers must : First, open a new consumer regular or interest checking account between XX/XX/XXXX and XX/XX/XXXX in an eligible Account Package listed in the Chart below ( Eligible Checking Account ). Certain Cash Bonus offers also require opening a new Citi Savings Account ( see Chart below ) in the same account package as the new Eligible Checking Account ( Eligible Savings Account ). The Eligible Savings Account must be opened within 30 days after the checking accounts Account Opening Date.
Second, enroll in this offer at the same time as account opening pursuant to the instructions provided. Customer is automatically enrolled when applying online Third, any owner of the eligible accounts must make at least the Minimum Deposit ( see Chart below ) in New-to-Citibank Funds, within 30 calendar days after the Account Opening Date of the checking account, into either the new Eligible Checking Account and/or the new Eligible Savings Account. Multiple deposits allowed.
New-to-Citibank Funds are 1 ) funds deposited from external accounts or payees other than Citibank , N.A . and 2 ) must be deposited using domestic ACH transfer, Direct Deposit, checks drawn on banks other than Citibank , N.A . or wire transfer. Cash deposits, Citi Global Transfers, international ACH transfers, and person-to-person transfer services such as XXXX XXXX, XXXX, XXXX, and XXXX, do not qualify as New-to-Citibank Funds.
Fourth, the Minimum Deposit ( see Chart below ) must be maintained for 60 consecutive calendar days from the date the Minimum Deposit is met ( Minimum Balance ). The Minimum Balance may be held entirely in one of the Eligible Accounts or across both of the Eligible Accounts.
Note : If you choose to keep your entire Minimum Balance in one account, any account that maintains a zero balance for 90 days is subject to closure in Citibanks sole discretion.
The Cash Bonus will be credited within 90 calendar days from the date you complete all Required Activities. At the time the Cash Bonus is paid, it will be credited to the new Eligible Checking Account. If the Eligible Checking Account is closed, then the Cash Bonus will be credited to the new Eligible Savings Account. Eligible accounts must be open and in good standing from the time they are opened until the Cash Bonus is credited or you will not be eligible to receive the Cash Bonus.
Chart Cash Bonus Account Package Minimum Deposit and Minimum Balance Savings Account Required {$200.00} Basic Banking Package {$5000.00} no {$400.00} Citibank Account Package Citibank Account Package {$15000.00} {$700.00} Citi XXXX Account Package {$50000.00} {$1500.00} Citigold Account Package Citigold Account Package {$200000.00} Package Options Even though Citibank allows customers to change their package type at any time, changing your package may impact your eligibility for this promotion. You are only eligible to earn the Cash Bonus for the package associated with your Eligible Checking Account on the 30th calendar day after the Account Opening Date of your checking account.
In addition, if you change your package type to one with a lower Minimum Deposit and Minimum Balance during the 60 day maintenance period, you will not fulfill Required Activities. For instance, you may not convert your Citigold Account Package to the Citi XXXX Account, Citibank Account, or Basic Banking Packages and still be eligible for the Cash Bonus. You may not convert your Citi XXXX Account Package to the Citibank Account or Basic Banking Package, nor can you convert from your Citibank Account Package to the Basic Banking Package and still be eligible for the Cash Bonus.
The Citigold Account Package Cash Bonus offer is available in branch, by calling XXXX, or online at www.citi.com/citigoldoffer.
Applicable Fees For the Basic Banking Package, to waive the XXXX XXXX monthly service fee, make one qualifying direct deposit per statement period and one qualifying bill payment per statement period, or maintain a {$1500.00} or more combined average monthly balance in eligible linked accounts. A monthly service fee of {$25.00} and a {$2.00} non-Citibank ATM fee apply to the checking account in the Citibank Account Package if a combined average monthly balance of {$10000.00} or more is not maintained. A monthly service fee of {$30.00} applies to the checking account in the Citi XXXX Account Package if a combined average monthly balance of {$50000.00} or more is not maintained. There is no monthly service fee for a checking account in the Citigold Account Package. If you do not maintain a minimum combined average monthly balance of {$200000.00} in eligible linked deposit, retirement and investment accounts, your Citigold Account Package will be converted to the Citi XXXX Account Package and your accounts will be subject to the terms and conditions then in effect for that package. Fees could reduce account earnings. For all account pricing details please visit citi.com/compareaccounts.
IMPORTANT TAX INFORMATION ( {$200.00}, {$400.00}, {$700.00} and {$1500.00} Offers ) : The bonus will be reported to the IRS as interest to the first signer on the account, in the year received, as required by applicable law. Bonus payments received by U.S. persons will be reported on IRS Form 1099-INT for the year received. Bonus payments received by non-U.S. persons will be reported on IRS Form 1042-S for the year received. Customer is responsible for any applicable taxes and consulting a tax advisor. Citi is not a tax advisor. To be eligible for the bonus, U.S. persons must furnish Citibank with a valid IRS Form W-9 ( Request for Taxpayer Identification Number and Certification ). Foreign individuals must furnish a valid IRS Form W-8BEN ( Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding and Reporting ( Individuals ) ).
As applicable, variable rates subject to change before and after account opening. Terms, conditions and fees for accounts, products, programs and services are subject to change and may be withdrawn at any time prior to enrollment. All accounts subject to applicable terms, fees, and charges. Fees may reduce earnings. Accounts subject to approval. Participation and enrollment in a promotional offer does not guarantee eligibility or fulfillment of the promotional offer. Annual Percentage Yields ( APYs ) are variable and subject to change without notice after the account is opened.
APYs are accurate as of XX/XX/XXXX Interest Checking APY is 0.03 % for Citigold and Citi XXXX and 0.01 % for the Citibank Account Package. Depending on balances, APYs in Citi Savings Accounts in the Citigold and Citi XXXX packages range from 0.04 % to 0.15 %, and 0.04 % to 0.13 % in the Citibank Account Package.
Speak with a Bank representative at your local branch for more details.
This offer is subject to the disclosure available at www.citi.com/offerdetails.
XXXX XXXX XXXX XXXX XXXX XXXX. All rights reserved. XXXX and the XXXX marks used herein are trademarks of XXXX XXXX XXXX XXXX XXXX. Other product and company names mentioned herein are the property of their respective owners. XXXX Transfers through Citibank Online and the Citi Mobile App are subject to terms, conditions and restrictions in the Citibank XXXX Transfer Terms and Conditions and the Citibank Client Manual-Consumer Accounts.
XXXX is a service of XXXX XXXX XXXX, a licensed provider of money transfer services ( NMLS ID : XXXX ). All money transmission is provided by XXXX XXXX XXXX pursuant to XXXX XXXX XXXX licenses. XXXX XXXX XXXX XXXX XXXX
XXXX Fees charged by other institutions for your transactions on non-Citibank ATMs are beyond Citibank 's control and are in addition to the fees listed here.
XXXX Separate enrollment of eligible consumer checking account in Citi XXXX Rewards required. Eligible customers with a checking account in the Citi XXXX Bank Account, Citigold Account, Citi XXXX Account or the Citibank Account Packages can enroll their checking accounts in XXXX Rewards. Eligibility and participation are subject to terms, conditions and restrictions. Customer must be a citizen or resident alien of the United States ( U.S. ) with a valid U.S. taxpayer identification number. Taxes, if any, are customer 's responsibility. You must complete 1 qualifying Bill Payment and 1 qualifying Direct Deposit each statement period in order to earn monthly XXXX Points for eligible products and services linked to your checking account. Citigold, Citi XXXX and Citi XXXX Bank clients who do not complete these transaction requirements can earn points at a reduced level. For complete details, see the Citi XXXX Rewards Terms and Conditions.
4 Requires a checking account in a Citigold or Citi XXXX Account Package. Accounts are subject to approval.
5 As a Citi XXXX client, you can receive banking and lending services, including the Citi XXXX Account Package, from Citibank , N.A . ( Citibank ), Member FDIC and XXXX XXXX XXXX XXXX # XXXX, along with financial planning and investment products as a client of Citi XXXX XXXX XXXX, a business of Citigroup XXXX, that offers investment guidance, products, and services through Citigroup XXXX XXXX XXXX XXXX XXXX XXXX, member XXXX. Citigroup XXXX XXXX XXXX ( XXXX ) offers insurance products. In California, XXXX does business as Citigroup XXXX XXXX XXXX, XXXX XXXX license number XXXX ). Citibank, XXXX, and XXXX are affiliated companies under the common control of Citigroup Inc .
6 Claim is based on locations in the United States where customers can make cash withdrawals with no surcharge ( usage ) fee by the ATM operator. Citibank customers can get cash, get information and make transfers between their eligible linked Citibank accounts with no surcharge fee when they use their Citibank Banking Card at ATMs in the U.S. located at Citibank branches, ATMs at select retail store locations, and ATMs participating in the XXXX XXXX. ATMs in retail stores and at other non-Citi locations are not owned or operated by Citibank and offer fewer functions. Use the Citi XXXX XXXX Locator on Citibank Online or the Citi Mobile App to find the nearest ATMs and branches, including non-Citibank ATMs in the U.S. with surcharge-free access.
7 Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile App or the Mobile Check Deposit service. You must have Internet access through your mobile device and charges from your wireless carrier may apply. The Mobile Check Deposit service is for personal checking accounts only and is subject to eligibility. Deposit limits and other restrictions apply.
XXXX Citigroup XXXX Citi , Citi and XXXX XXXX and other marks used herein are service marks of Citigroup XXXX or its affiliates, used and registered throughout the world.
|
| 09/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I was purchasing an airline ticket with XXXX XXXX. A promotion savings of XXXX off the airline ticket was offered with apply now button. In addition, it offered XXXX miles if I used the card for purchases totaling XXXX in the first 90 days. I applied and received approval with a credit card number that I used to purchase the airline ticket. I received the card in the mail and proceeded to use the card and completed the {$3000.00} purchase requirement. A few months went by and I did not receive the XXXX credit or the miles. I contacted Citi Bank who first said, don't worry we will take care of it. Nothing happened and I contacted them again and now they are saying that I had a previous card with them that closed and there was fine print somewhere that said if I received another offer from them in the past 2 years, they would not honor the offer. This is SO deceptive and dishonest. If I did not qualify for the offer, they should have declined the Credit card request. I have other credit cards that offer points that I would have qualified for if I had been deceived by CITI Bank,. I complained and asked for the issue to be reviewed by a supervisor. The Supervisor was of no assistance but said as a goodwill gesture, they would give me XXXX Airline points. The did not honor that either. I want them to honor the original offer and want them to apologize for the deception and to not do this again to anyone. I have attached the online chat communication with Citi bank below as proof of what I am saying. Thanks for any assistance you can provide.
Welcome to Live Chat. Now you can reply to us in your own time and view your chat history. What can I help you with? Please do not share sensitive account information, such as your security word or expiration date here. We may send you a secure electronic form to collect this information. This session may be recorded or monitored.
Info at XXXX, XX/XX/XXXX : You're now connected to XXXX.
You at XXXX, XX/XX/XXXX : when will I receive the XXXX credit and the XXXX miles Read XXXX at XXXX, XX/XX/XXXX : Welcome To Citi Live chat.Thank you for choosing Citi as your preferred Bank. I hope you are doing good today!
Hey, this is XXXX.
You at XXXX, XX/XX/XXXX : hi Read You at XXXX, XX/XX/XXXX : my question is when will I receive the XXXX credit and the XXXX miles Read XXXX at XXXX, XX/XX/XXXX : I got your query, I will be happy to assist you today, please allow me a moment to check that for you.
You at XXXX, XX/XX/XXXX : thanks Read XXXX at XXXX, XX/XX/XXXX : XXXX, as i have checked your account I can see that the offer is not updated on the account as of now, however need not to worry, if you were offered with these offers, I will go ahead and place a request to update the offers on the account, the rewards team will revert you back with in 3-5 business days through email.
You at XXXX, XX/XX/XXXX : ok Read XXXX at XXXX, XX/XX/XXXX : XXXX, request placed successfully.
You at XXXX, XX/XX/XXXX : ok thank you, I guess I will just hope for the best Read XXXX at XXXX, XX/XX/XXXX : Thank you for your kind understanding.
It's an honor to have a customer like you and citi we will always be there for you.
You at XXXX, XX/XX/XXXX : thanks again, Delivered Conversation closed by you XXXX, XX/XX/XXXX Message Us Survey at XXXX, XX/XX/XXXX : Before you go, please take our 3-question survey. Your feedback helps us serve you better.
Message Us Survey at XXXX, XX/XX/XXXX : 1. Based on your experience with Live Chat, how likely are you to recommend Citi to a friend or colleague?
Choose a number from 0 ( not at all likely ) to 10 ( extremely likely ).
You at XXXX, XX/XX/XXXX : Still haven't heard anything Read Info at XXXX, XX/XX/XXXX : Please do not share sensitive account information, such as your security word or expiration date here. We may send you a secure electronic form to collect this information. This session may be recorded or monitored.
Info at XXXX, XX/XX/XXXX : You're now connected to XXXX.
You at XXXX, XX/XX/XXXX : hi XXXX can you help me??
Read XXXX at XXXX, XX/XX/XXXX : " Welcome To Citi Live chat.Thank you for choosing Citi as your preferred Bank.
Hey, this is XXXX, how are you '' '' '' XXXX at XXXX, XX/XX/XXXX : please elaborate your query You at XXXX, XX/XX/XXXX : I was hoping you could see the previous inquiry Read XXXX at XXXX, XX/XX/XXXX : I am sorry, I am not able to see your previous text You at XXXX, XX/XX/XXXX : but specifically, I have not received the promised XXXX miles nor the XXXX credit Read XXXX at XXXX, XX/XX/XXXX : let me check this for you You at XXXX, XX/XX/XXXX : this was the previous response, I have not received the email as promised. XXXX, as i have checked your account I can see that the offer is not updated on the account as of now, however need not to worry, if you were offered with these offers, I will go ahead and place a request to update the offers on the account, the rewards team will revert you back with in 3-5 business days through email.
Read XXXX at XXXX, XX/XX/XXXX : let me check this You at XXXX, XX/XX/XXXX : thank you so much Read XXXX at XXXX, XX/XX/XXXX : I can see that we have sent you the notification regarding this, let me help you with the online steps to view that XXXX at XXXX, XX/XX/XXXX : Please select Services tab at the top and select " Statements & Documents ''.
Then select view E- communication.
XXXX at XXXX, XX/XX/XXXX : please try these steps You at XXXX, XX/XX/XXXX : are you kidding me Read You at XXXX, XX/XX/XXXX : if that is the case, they should told me when the card was opened Read XXXX at XXXX, XX/XX/XXXX : you can only avail this offer once in 24 months You at XXXX, XX/XX/XXXX : Then why didn't they tell me that??
Read You at XXXX, XX/XX/XXXX : or just decline the application Read You at XXXX, XX/XX/XXXX : this is not fair Read You at XXXX, XX/XX/XXXX : please tell me how this is fair????
Read XXXX at XXXX, XX/XX/XXXX : I can certainly understand, you may have been offered before you apply however, if you do not qualify we tell our card holders during the process of application that you may not have read it.
You at XXXX, XX/XX/XXXX : OK. I will be filing a complaint with the CFPB. I am sure you are a nice person but put yourself in my place. you know this is not right. If you offer a card with certain perks and I don't qualify then decline the application.
Read You at XXXX, XX/XX/XXXX : CFPB Read You at XXXX, XX/XX/XXXX : this is complete XXXX Read You at XXXX, XX/XX/XXXX : please show me where you notified me the I did not qualify Read XXXX at XXXX, XX/XX/XXXX : please do not worry, I can certainly understand, let me go ahead and add XXXX miles on your account as a goodwill gesture, I hope you can understand, You at XXXX, XX/XX/XXXX : really?
Read You at XXXX, XX/XX/XXXX : what about the XXXX dollars Read You at XXXX, XX/XX/XXXX : and the XXXX miles Read You at XXXX, XX/XX/XXXX : this is not fair Read XXXX at XXXX, XX/XX/XXXX : As per offer terms if you have earned miles on any Citi card with last 24 months that is open or closed then another account with your does not qualify for the sign up bonus rewards. The same has happened in this case.
XXXX at XXXX, XX/XX/XXXX : Your account does not qualify for sign up bonus offer as you had another Citi/AAdvantage Platinum Select World Elite Card which was closed You at XXXX, XX/XX/XXXX : really, You fell good about that?
Read You at XXXX, XX/XX/XXXX : feel Read XXXX at XXXX, XX/XX/XXXX : You closed that account on XX/XX/XXXX that is the reason this card does not qualify for sign up bonus.
I definitely not feel good however it is about term and agreement.
You at XXXX, XX/XX/XXXX : this card was opened in XX/XX/XXXX, that is more than 24 months Read XXXX at XXXX, XX/XX/XXXX : Account does not met the requirements. Trust me if that would in my hand I should have definitely rewarded the miles however it was term of the sign up bonus offer which your new account didn't qualified.
You at XXXX, XX/XX/XXXX : not more than 24 months Read XXXX at XXXX, XX/XX/XXXX : Let me check that quickly.
You at XXXX, XX/XX/XXXX : XX/XX/XXXX to XX/XX/XXXX is more than 24 months Read You at XXXX, XX/XX/XXXX :????
Read XXXX at XXXX, XX/XX/XXXX : It show total 3 Citi/AAdvantage Platinum Select World Elite Card and 1 Citi / AAdvantage Gold World Elite Card If any of these card were opened or closed in last 24 months then next card was not eligible.
You at XXXX, XX/XX/XXXX : were they?
Read XXXX at XXXX, XX/XX/XXXX : Let me find that for you.
XXXX at XXXX, XX/XX/XXXX : Can you confirm your last XXXX digit of the credit card?
You at XXXX, XX/XX/XXXX : XXXX Read XXXX at XXXX, XX/XX/XXXX : Thank you!
XXXX at XXXX, XX/XX/XXXX : Please help me with last XXXX other cards as well so that it would be better to understand which card we are talking about.
You at XXXX, XX/XX/XXXX : I don't know what you are talking about Read XXXX at XXXX, XX/XX/XXXX : Never mind let me check account information for you Nikki at XXXX, XX/XX/XXXX : You had 2 Citi/AAdvantage Platinum Select World Elite Card whcih were closed on XX/XX/XXXX and XX/XX/XXXX Also Citi / AAdvantage Gold World Elite Card was opened in XXXX Due to which card ending with XXXX does not qualify for sign up bonus XXXX XXXX XXXX, XX/XX/XXXX : There should not be any open or closed card in last 24 months You at XXXX, XX/XX/XXXX : again, If I apply for a card that I do not qualify, then you should decline the application. To say that it says that in the terms is deceptive and you company should be ashamed of that practice.
Read You at XXXX, XX/XX/XXXX : Ok. I can see that this is going no where, you can still to your story that somehow I should have know that I should have known that I did not qualify. I will file my complaint and your company can spend a bunch of Time defending your business practices. I wish you would do the right thing but that is on you ( your company ) Read You at XXXX, XX/XX/XXXX : I think this sucks so I will pay it off and close the account Read You at XXXX, XX/XX/XXXX : I will tell everyone I know what you did Read XXXX at XXXX, XX/XX/XXXX : I certainly understand your and I will definitely forward your feedback.
You at XXXX, XX/XX/XXXX : and I will never do business with you again Read You at XXXX, XX/XX/XXXX : having said that. Thanks for taking the time to talk to me, I know you are just doing your job Read You at XXXX, XX/XX/XXXX : before I go, can you check with your supervisor to see if this is how you want to leave this ... ..
Read Info at XXXX, XX/XX/XXXX : Sorry it's taking longer than expected to reply. A representative will respond shortly.
XXXX at XXXX, XX/XX/XXXX : Thank you for time, I certainly understand that you were expecting rewards however this is term of offer that your account does not qualify else I would have been glad to help you with that.
I have already checked with my supervisor regarding this. They can create one time exception only for you and provide XXXX miles as goodwill gesture.
XXXX at XXXX, XX/XX/XXXX : Do you want me to work on this with them?
You at XXXX, XX/XX/XXXX : Do what ever you think is right .Thanks again Read You at XXXX, XX/XX/XXXX : I know you are just doing your job Read You at XXXX, XX/XX/XXXX : Can you close the card?
Read XXXX at XXXX, XX/XX/XXXX : I am working with my supervisor for adjustment of XXXX miles.
XXXX at XXXX, XX/XX/XXXX : You want to close card ending with XXXX?
You at XXXX, XX/XX/XXXX : yes please Read You at XXXX, XX/XX/XXXX : I will not do business with your company any longer Read XXXX at XXXX, XX/XX/XXXX : Thank you!
XXXX at XXXX, XX/XX/XXXX : I respect your decision.
You at XXXX, XX/XX/XXXX : I have just submitted the payment to payoff the account Read You at XXXX, XX/XX/XXXX : I thank you again for being so nice. This is not your fault Read You at XXXX, XX/XX/XXXX : but I am still filing the complaint with CFPB .. : ) Read XXXX XXXX XXXX, XX/XX/XXXX : I am sorry for the inconvenience, I have successfully updated XXXX miles on your account You at XXXX, XX/XX/XXXX : ok, thanks again for being so nice XXXX XXXX I did not mean any disrespect to you and I know you did what you could but your company 's business practice 's are lacking. Thanks for your assistance and I hope I did not ruin your day. You are the only good thing about your company.
Read You at XXXX, XX/XX/XXXX : no comment necessary. Hope you have a nice rest of the evening Read XXXX at XXXX, XX/XX/XXXX : thank you for your understanding, I wish I had an option tgo help you XXXX at XXXX, XX/XX/XXXX : trust me if I had an option I would be really happy to hel ; p you XXXX at XXXX, XX/XX/XXXX : have a nice evening!
You at XXXX, XX/XX/XXXX : I know.. Thank AGAIN. goodnight Read Conversation closed by you XXXX, XX/XX/XXXX XXXX
|
| 07/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
|
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I am contacting your agency regarding a recent freeze of my checking and savings accounts by Citibank. Through numerous recorded phone conversations, I have been provided misinformation, outright lies, and been treated with a cavalier disrespect and been made to feel like I am a criminal. I have never felt so humiliated and anguished with regard to being berated by phone service representatives who treat me as if I have committed fraud.
This relates to Citibanks internal file numbers that were provided to me # XXXX and # XXXX During the week ofXX/XX/XXXX XX/XX/XXXX, I had my backpack stolen/misplaced/taken without my knowledge. The contents of my backpack contained my primary cell phone, my checkbook ( I had possession of my wallet, it was only my checkbook left in my backpack ), and other personal effects. I switched phones and got a new number and as part of my efforts to protect myself, I contacted my bank ( Citibank ) because they were the only financial institution for who I had my account and routing number at risk.
When I called in on XX/XX/XXXX to XXXX at XXXX MST to report my issue and request the options that were available, the representative explained that the only way to resolve my issue was for me to apply for a brand new account, and transfer the money from the old account to the new one. She was adamant in explaining that they do not simply change the account number but that it has to be fully closed out. I explained that I had moved and never updated my address. I let her know that I needed to do that, as well that I preferred to open the account online myself ( I have a preference for reading the disclosures and materials myself ), and advised her that I would call back upon getting the new account established. The only two items that were changed on my account, were my phone number ( updated a day or so prior, and my new address ). I did not change my confirmed email address listed on my account where I have received and continue to receive notifications.
After establishing a new checking account I called back into Citibank on XX/XX/XXXX at XXXX MST and explained to the representative that I was ready to close out the compromised account and transfer the remaining funds out to the new account. She provided assistance with my request and linked my old debit card to my new accounts per my request not to have to wait for a new card to have access to my account.
XX/XX/XXXX at XXXX MST I received a call from Citibank from XXXX, she asked me to verify information to speak with me and then she told me they just wanted to confirm my new account request. I confirmed and the representative told me everything would be processed fine. That afternoon I decided that I would consolidate my external accounts and bring my funds to Citibank, I called in because the system would not allow me to open and link a savings account online, and I wanted to ensure my accounts were linked together. I contacted Citibank at XXXX at XXXX MST and a seemingly disinterested/frustrated sales representative filled out the application for me and advised that it would take 2-3 business days for the account opening to be processed and a savings account number to be generated. Immediately after ending my conversation with him, I signed into my account and the savings account was already activated and the system allowed me to transfer funds within Citibank from my checking account in order to fund my savings account.
XX/XX/XXXX I was contacted by Citibank at XXXX from XXXX. A man who claimed to be from a verification/fraud team told me that I was required to verify my address and that I would get an email with the details on how to send in a copy of my utility bill. I asked him if my accounts were in a restricted status or if I was free to move in assets from my primary bank or if I were able to move money out ( I pay specific bills out of my Citibank checking ). He told me that my account was fine to do that, but in order to fully activate and keep using that I needed to send in a utility bill to verify my address. I explained to him that I was an existing Citibank client and had a checking relationship already. I made it clear that this was not a random new account opening but that I only opened it because they refused to change the number on my old account for me. He brushed me off and explained that I need to send in a fax with my utility bill. I confirmed with him that I would receive an email and he confirmed. So I waited patiently and as the end of the business day neared in EST, I was worried. So I called Citibank back at XXXX MST. I spoke with a representative who told me that they do not send out emails. I was confused because all calls are recorded and I directed her to pull that pull call to confirm that I was told on their recorded line what the process would be. I explained to her that he asked me for my utility bill and no other form of ID nor Social Security card. I explained to her that I had sent in documents the first time when I opened my account at Citibank a year or so ago ( the one ending in XXXX that I was forced to close recently and made to open a new account ). I expressed my frustration and she told me that the only thing that was needed was my utility bill and she provided me with a fax number. At XXXX MST on XX/XX/XXXX I was contacted by the male fraud verification specialist from the phone call earlier that morning. It was at this time, he changed his story and said that he needed my ID as well as my Social Card and my Utility Bill. I explained to him that I had already gone through this kind verification when I first started my relationship with Citibank and faxing takes days of back and forth with good copies vs. bad copies. The only reason I had to do that when I first opened my accounts was because I had a personally requested security freeze on my credit files. I have long since removed that freeze and the male representative kept saying that he needed new documents because I had my checkbook compromised. He was giving me false information and creating an issue where there was none, in order to harass and bully me as an overzealous fraud account representative who was clearly ill-trained on how to review a clients previous history with the bank or review all the factors. He advised me to go to a branch for help. There are no Citibank branches where I live now. Not a single solitary one. He ( nor any other representative that Ive spoken with ) should have never continued to direct me to nonexistent branches. I asked him to perform the over the phone verification method using my public data questions that theyve asked me before for verification and he told me no. Then I asked him to send me a prepaid XXXX envelope to my home and set up a pick up as well. He again told me no. I made it clear to him that Ive gone through this process before and I was not going to allow him to lie to me about what was and wasnt possible. He placed me on hold to speak to his supervisor. When he came back, he said ( I dont have any way of verifying his lie ), but he told me he spoke with his supervisor and that sending a prepaid XXXX envelope was possible. On his recorded line he said that he would have the XXXX envelope delivered to my home so that I could send back to the documents NextDay delivery. As of the date of this formal complaint I have never received the email that he told me on ( 2 ) separate recorded phone calls that I would be receiving, nor have I ever received a XXXX envelope.
When I went through verification the first time a year or so ago, the fraud verification specialist had the XXXX envelope delivered to my home by XXXX the following morning and within 24hrs she had the restrictions removed and activated my account. This current antagonistic time frame and misinformation the representative ( and Citibank ), is pressing upon me to simply deal with, is an absolutely unacceptable business practice and poor ethics.
As a last resort prior to filing a formal complaint, I attempted to follow their request for a faxed copy of my documents. I sent them 3 fax attempts that included my Drivers license, my Social Security Card, my Birth Certificate, along with a billing statement for my apartment ( the units are all inclusive so my utilities are billed with my rent and it breaks it down on the form ). I was contacted at by Citibank at XXXX from XXXX and told by the representative that the documents were not clear enough to be processed for account activation and she said that the Apartment billing statement was not clear to read the numbers off of the statement. However she went on to say that the statement was not from within a 30 day time frame and that it can not show a past due balance. The billing statement was for my bill that was due onXX/XX/XXXX and because residents pay our rent, utilities, and association fees in advance ; any statement generated will always have a balance listed to be paid. It seemed as if she was requesting a XXXX balance due statement. But if the statement was not clear to read the numbers off, then how could so much detail be given about what I would need to resubmit?
I find it unfathomable that I could be a customer of the bank for so long and be treated so poorly or be made to go through this process. If there was a credible concern with regard to my identity, then a proper analysis should have been performed without any effort nor inconvenience to me as a client. Proper fraud analysis would yield the data confirming my voice matches all of the previous recorded calls that they have retained on file for all of my calls into Citibank within the past year. I sign into account from the same network, my logins match my consistent devices used because I only use two personal devices to access my financial accounts, all of the purchases on my account take place within a 7-10mile radius of my home, and the residence that I listed on my account as my new address is the same residence that I paid monthly out of my checking account ( the one ending in XXXX that I closed this week ).
After days of being told that I would still have access to my accounts, ( and I have signed on daily to confirm that status ), the representative on XX/XX/XXXX told me that the fraud verification team has in fact placed a block on my accounts and while it my accounts showed cleared before, now my accounts provide me with a red banner telling me that they are frozen. I have specific bills that were paid automatically monthly out of the account I recently closed, and per the instructions of their phone representatives, I made sure to set up those payments out of the new checking out and because I kept my debit card I have not changed my automatic payments. My financial transactions like any client, are rooted in consistency, my expectation is that my accounts are unfrozen to allow for activity without any further grievance to me. It is with gross ineptitude that this situation has been handled. I am stunned and most of all hurt that representatives see that my accounts are restricted, understand the reason Ive contacted Citibank, and then have the audacity to try and sell me products like loans. Why would I want to take out a loan with a bank that goes from treating me like rock star for a year to a complete criminal overnight? Its both shocking and disappointing to say the least. If I wanted a poor banking experience, then I would do business with XXXX XXXX. I expect more from my bank, hence why I do business with Citibank.
I have not taken my issue public with regard to contacting Citibank any social media news platform because I have a sincere interest in having my issue resolved privately and continuing my relationship with them preferably as my primary financial institution. Having been treated so disrespectfully, by a fraud verification specialist who apparently has taken a genuine interest to bully and humiliate me, I am appalled and require an immediate activation of my accounts, an internal review of the failed processes that have led up to my complaint, as well as an apology from Citibanks executive office. No client at any bank should be forced to endure this kind of unwarranted attack from their bank after experiencing an already distressing personal event. My expectation of my financial services firm is that they protect me by performing due diligence while exercising common sense analysis of a situation.
Thank you respectfully for your time and review of my concerns.
|
| 05/01/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
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|
Web |
Older American |
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I have a HELOC with Citibank, N.A./CitiMortgage, and I have been attempting to obtain a hardship modification for approximately one year and 4 months. In XX/XX/XXXX, I received a telephone call from Citibank, notifying me that they had not received a payment from me since XX/XX/XXXX, and that I should apply for modification or hardship modification. I advised the agent that I had just been discharged from a Chapter XXXX bankruptcy, and that it was not possible that they had not received a payment from me since XX/XX/XXXX, as I filed the Chap XXXX in XX/XX/XXXX and was discharged from it in XX/XX/XXXX. I advised that not only had I paid the amounts to the court that Citi stated I owed at the time of the filing of the Chap XXXX, but that the court sent those payments to Citibank and showed a XXXX balance on those payments. I also advised that I although I made many payments directly to Citibank during the five year period of the Chapter XXXX, that I also was aware that I did not make all payments. My concern was that Citibank 's calculation of what I did owe, had to be incorrect, due to the fact that they stated that I had not made a payment since XX/XX/XXXX. I also advised that I had just made a payment a few days prior to the call. The agent advised me that I should not make payments because it would be a waste, because Citibank, in a modification, would either take the amount that I owed, and place it at the end of my loan, or waive it, depending on how my modification worked out. Approximately three different agents contacted me at different times, with the same information, until I finally seemed to have a permanent representative, XXXX XXXX, who was my representative from approximately XX/XX/XXXX, until XX/XX/XXXX, when he stopped contacting me. When I attempted to contact XXXX XXXX, I was advised that he was in a different department and that I would have a new representative. Since approximately XX/XX/XXXX, representatives have been changed 5-7 times. During my time with XXXX XXXX, and all other representatives, I was told via letter, email and voice, that I could telephone them at any time with questions, and they provided phone numbers and extensions. At no time during the process was I ever able to reach a representative by telephone. Each time, I would call the number provided, receive an automated answer, requesting the last 6 digits of my Social Security number and zip code. Each time the automated voice said it could not find me and then requested my full SS number ; I still could not be found. I would eventually get a human, who gave me the run-a-round, and finally, they would say you have a HELOC and that's not our department, let me get you to someone who can help. Not every time, but many of the times, I would get someone who said they could make a telephone appointment for me and usually, that would be from 2 to 7 or more days in the future. During the time XXXX XXXX was my representative, I would receive a call near the scheduled appointment time. Once XXXX XXXX was no longer my representative, I rarely received a return call, which I needed to answer questions and to be certain I was sending the correct information in. For example, in approx. XX/XX/XXXX, I had another new rep, and he scheduled a call with me, but he never called. Two days later, I called and asked for a supervisor. I was told that the rep wrote in his notes that he attempted to call me, but that I had Citibank blocked on my phone and he could not get through. This was not true. Finally, I was able to make another appointment with him for XXXX XXXX in XX/XX/XXXX ; I stayed by the phone, waiting for the call until XXXX XXXX When I returned home at about XXXX XXXX, there was a voicemail received at XXXX from XXXX XXXX, advising that she was aware I had an earlier telephone appointment, but that she was now my new point of contact. It took over a week to obtain a telephone appt with her, she apologized and said she would be with me through the entire process, which would be about 30 days. Not too long after that, I received correspondence from XXXX XXXX, stating that she was my new representative.
I mention all of the above first, but most importantly, during the past year plus, I have been asked for documents, and although, in the beginning, it was difficult to understand what was wanted, I provided documents via email and certified mail. I had proof of the certified mail, but I was told even by XXXX XXXX that documents were not received. When I advised him of the certified number of the documents and that they showed received, I would be told that I must have left some documents out. They would be requested again, I would send them again and also sent them by email. Often I would be told the documents were received, and about six weeks later, told they were not received, and I would start over again, even though I had emails from the representative, previously, advising me he had received the documents. In the latter part of XXXX, I was finally able to reach a supervisor and told them of all of the difficulties I was having with documents received, and stating not received. The supervisor/agent advised that I walk into a local Citibank and have them fax future documents to them. This was also due to my fax breaking down for a short while. Although I initially provided bank statements requested, when next I was advised they did not receive them, although previous emails stated they were received, I had to wait to obtain mailed copies from XXXX XXXX, so that I could go to Citibank and have the docs faxed to the agent requesting documentation.
I seemed to have the same problems with all agents, in receiving documents and then not receiving them, until I began adding having a local Citibank fax the items as well as my email and mailing.
On XX/XX/XXXX, as I opened my door, I found two XXXX XXXX envelopes from XXXX XXXX/Citibank, N.A. with identical letters dated XX/XX/XXXX and XX/XX/XXXX, and a XXXX XXXX XXXX label showing they were both sent 2-Day at XXXX XXXX XX/XX/XXXX. These letters, attached herewith, stated that a modification had not been approved, and that I had 30 days from the date of the letter??? XX/XX/XXXX and/or XX/XX/XXXX, to request an appeal of the non-approval decision. I requested an approval prior to the 30 days, and it was sent in by email from me, by fax from the manager of a local Citibank and via USPS certified mail by me.
I also received a letter dated XX/XX/XXXX stating that XXXX XXXX had been reassigned as my Homeowner Support Specialist, and this letter had the same information that I would receive very often, over the past year, which confused me and made me think that I was back in the running for a modification. I attempted calling XXXX XXXX, at the number listed on the letter, or to make a telephone appointment, but this had no results. Finally, I emailed her on XX/XX/XXXX requesting a telephone call, advising her of my confusion, and asking for clarification as to what I needed to do, but I received no answer. On XX/XX/XXXX, I sent an email to both the addresses of XXXX XXXX and XXXX XXXX requesting information and/or a telephone call and advising that this email was in appeal to the denied modification.
The next time I heard from anyone at Citi was an email from XXXX XXXX, dated XX/XX/XXXX at XXXX XXXX PST ( attached herewith ), stating that my appeal had been rejected and that should submit the following documents, shown below and in the attached email. These are all of the documents that I keep resubmitting. The only difference, this time is that the dates are different on the P & L Statement. Below is cut and pasted from the letter.
- 1st quarter ( XX/XX/XXXX-XX/XX/XXXX ) Profit and Loss statements with itemized breakdown of income and expenses - Updated XXXX form *attached* - Updated Hardship Affidavit *attached* - Updated Income and Expense worksheet *attached* - Updated 1st lien mortgage statement from XXXX - Current Property Tax Bill and Homeowners Association ( HOA ) dues statement XXXX I wrote back to XXXX XXXX on XX/XX/XXXX, requesting information as to how I should submit the documents, and outlining all of the difficulties I've had in getting this done. .In the email I wanted to know if Citi would consider my present position, in addition to the 1st quarter XXXX P & L statement, and I wanted to know how to show it to be certain it would be considered, as the following monthly figures had changed, providing me with approximately {$990.00} less in monthly payments I have to make. Below is a copy of the language I sent to XXXX XXXX.
XXXX 1. Lower Property Insurance As Ive mentioned before, due to water damage in XX/XX/XXXX and XX/XX/XXXX, only six weeks apart, my home insurance policy was cancelled, and my insurance went from around {$600.00} a year to having to go to a subprime company at a cost of approximately, {$1900.00} a year. I was initially told I would not be eligible for standard insurance until XX/XX/XXXX. However, I have been able to obtain standard insurance, after much research, but I could not make the change until my current policy of about {$1900.00} a year, or {$150.00} a month, expired, which it did on XX/XX/XXXX. My new policy, became effective on XX/XX/XXXX, at a cost of {$770.00} per year ( I sent you a copy of the XXXX Homeowners Policy Declaration, in the email of XX/XX/XXXX, the letter sent to Citibank, N.A., and the fax sent to Citibank by XXXX XXXX XXXX.
2. Storage For Business Merchandise I have combined units and now save {$940.00} per month. I did this in XX/XX/XXXX, therefore, if Citi averages out XX/XX/XXXX-XX/XX/XXXX, there will be approximately, {$1800.00} expenses, that no longer exists. I wanted to know from you how to be sure that this is noticed.
XXXX I have proof of these changes, and attached a copy of the new insurance policy. Because my past policy only expired XX/XX/XXXX, the lower rate does not show in my bank statements for the 1st quarter of XX/XX/XXXX, and the same with the business expense that has changed, but did not change until XX/XX/XXXX.
When I wrote this letter, requesting information, as to how long I have to submit the information requested on XX/XX/XXXX via email,, and requesting a telephone call so that I could better understand what's happening, I did not receive any response until today, XX/XX/XXXX, dated XX/XX/XXXX, via US mail, I received a letter from Citibank stating I have 14 days from XX/XX/XXXX to payoff my loan or possibly be in foreclosure.
When I emailed XXXX XXXX on XX/XX/XXXX, requesting information, I also stated that I can't keep cancelling doctor appointments because I continue to jump for Citibank. I advised on XX/XX/XXXX that I had a doctor 's appointment on XX/XX/XXXX, at XXXX XXXX, that I could not cancel. When I returned home from the doctor that day, although there was no message, my caller ID showed that Citibank called at XXXX XXXX on XX/XX/XXXX. I keep wondering if that's just to pretend that an attempt was made to contact me.
I have been living in fear for a year and 3 months and jumping each time Citibank wants me to do something that I've done before. This has interfered with me running my business, and taking care of my health, which is causing severe consequences for me.
I would like to be treated fairly, and am so sorry to Citibank that I have gotten in this position, but Citibank is contributing. You can't make plans when you're concerned you will be put out of your home. The people they have come and bang on my door, announcing outside, loudly that my mortgage holder wants to know if I still live here. This makes me very uncomfortable and feel that if I don't open the door the person, they will keep screaming about my financial difficulties so my neighbors will hear. I am afraid to exhibit at a consumer show or work a show that would be 5 days, out of town, because I don't feel my home is safe.
I am hoping for the opportunity to obtain a modification, and not be on pins and needles, and not feel threatened. XXXX XXXX told me I was in foreclosure, no one else said that. She also stated that I was denied a modification because I have a first mortgage, although letter states something a little different. It actually seems that every rep I have says something a little different.
I have many more documents, and emails, but since the CFPB stated this is sent to Citibank, I'm passing on sending additional, numerous documents, but will provide them if requested.
|
| 08/17/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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My Home Depot Credit Card was stolen before I ever received it. I opened an account on XX/XX/XXXX. On XX/XX/XXXX at XXXX, while I was at work in XXXX XXXX CO ( I work XXXX Monday-Friday and this can be verified on XXXX XXXX Location tracking with my phone, the same one that received the fraud alert ) I received a text from the Home Depot Fraud Department ( phone number XXXX XXXX XXXX " Free Home Depot Citi Fraud Msg : XXXX XXXX XXXX Did you attempt {$320.00} at THE HOME DEPOT on XXXX? Yes=1, No=2. Reply STOP to Opt-Out. At XXXX, I immediately replied " No ''. At XXXX, the messaging service replied, " Free Msg : Home Depot Citi Fraud Dept : Thank you for your response. To open a fraud dispute, please call us at XXXX. '' Right as I clicked on the phone number to call them, they called me at the same time at XXXX from XXXX XXXX ( Citigroup Tech ). We talked for 13 min, 49 sec. The woman I spoke with told me that they would be launching a fraud investigation right away and she canceled my " XXXX '' card and issued me a new card.
Right away after the phone call, I went onto my homedepot.com account and was able to see the purchases that were made, since I applied for the card with my homedepot.com login it was automatically linked to my account, I could see the exact times, checkout locations ( cashier and self-checkout was used ), and every single item that the person purchased. The card was used at the Home Depot in XXXX, CO 3 times total, one after XXXX, one after XXXX, and the one after XXXX that was then declined and triggered the fraud message to my phone. I did not think to download those records since they were in my personal homedepot.com account. They have since been removed from my account, but the purchase date and amounts are available on my credit card statement with reference numbers. After seeing that information, I quickly filed a police report with the XXXX Police Department, I received the confirmation of my filed police report at XXXX to my personal email address. I received the official PDF copy of my police report on Tuesday, XX/XX/XXXX, at XXXX XXXX to the same email address ( " Your online report has been approved and the permanent case number is XXXX '' ). I did a quick research prior to filing the police report, I wasn't sure if I should file it with the department where I lived or where the card was used. My research indicated that I should file the report with the police department where the card was used, that's why I filed it with the XXXX Police Department.
I did receive the new card a couple weeks later. I opened the letter that my new card came in, and to my surprise, the card has a sticker on it that says " YOUR CARD IS ACTIVE AND READY FOR USE ''. I CAN NOT believe that they send active cards through the mail without any requirement to call a number and provide some sort of security information to activate them.
The amounts of the unauthorized transactions on XX/XX/XXXX that went through are : {$1200.00} ( reference number : XXXX ) and {$780.00} ( reference number : XXXX ) I received a letter from Home Depot Credit Services on XX/XX/XXXX ( the letter is dated XX/XX/XXXX ) stating that they have made recent attempts to reach my by telephone and they have been unsuccessful. Contact them immediately regarding the claim of fraud with the referenced account ( XXXX ) and that I have 10 days to call them or they will further the investigation with the limited information that they have. I received the letter after their call hours ( XXXX XXXX Monday through Friday ). I called them right away in the morning before work at XXXX XXXX ( XXXX their time ) on XX/XX/XXXX. I told the lady I spoke with that I have not received any phone calls or messages from them at all since XX/XX/XXXX when the claim was made. I checked to make sure she has my correct phone number and she said she did. Then she proceeded to ask me a few more questions. The fraud department needed my driver 's license number and state, where I believe the card was stolen from, and I informed her that I made a police report right after talking to the fraud department and I gave her the permanent case number ( same as above ). I told her I don't have reason to believe that the card was stolen from my mailbox, since I live in an apartment with locked mail boxes and there was no evidence of a break-in at that time, but since I hadn't received the card that it must have been stolen while in mail transit. That was it for that phone call. It was 10min and 38 sec long.
Today, Tuesday, XX/XX/XXXX, I received another letter in the mail dated XX/XX/XXXX ( dated 5 days after the " attempting to reach you letter '' ). This letter states that " We have completed our investigation regarding your claim of unauthorized use on the above referenced account ( XXXX ). Based on our review, we have determined that you are responsible for the charges in question. '' Further it is written, " Our decision was based, in part, on the following : The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. We've conducted our investigation using the the information that you provided about the dispute. With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor. As a result, we have re-billed the disputed charges to your account and consider our investigation complete. '' NOTE : On my online account, the charges in question were posted to my account on My Home Depot Credit Card was stolen before I ever received it. I opened an account on XX/XX/XXXX. On XX/XX/XXXX at XXXX, while I was at work in XXXX XXXX CO ( I work XXXX Monday-Friday and this can be verified on XXXX XXXX Location tracking with my phone, the same one that received the fraud alert ) I received a text from the Home Depot Fraud Department ( phone XXXX XXXX XXXX XXXX " Free Home Depot Citi Fraud Msg XXXX XXXX XXXX XXXX Did you attempt {$320.00} at THE HOME DEPOT on XXXX? XXXXes=1, No=2. Reply STOP to Opt-Out. At XXXX, I immediately replied " No ''. At XXXX, the messaging service replied, " Free Msg : Home Depot Citi Fraud Dept : Thank you for your response. To open a fraud dispute, please call us at XXXX. '' Right as I clicked on the phone number to call them, they called me at the same time at XXXX from XXXX XXXX ( Citigroup Tech ). We talked for 13 min, 49 sec. The woman I spoke with told me that they would be launching a fraud investigation right away and she canceled my " XXXX '' card and issued me a new card.
Right away after the phone call, I went onto my homedepot.com account and was able to see the purchases that were made, since I applied for the card with my homedepot.com login it was automatically linked to my account, I could see the exact times, checkout locations ( cashier and self-checkout was used ), and every single item that the person purchased. The card was used at the Home Depot in XXXX, CO 3 times total, one after XXXX, one after XXXX, and the one after XXXX that was then declined and triggered the fraud message to my phone. I did not think to download those records since they were in my personal homedepot.com account. They have since been removed from my account, but the purchase date and amounts are available on my credit card statement with reference numbers. After seeing that information, I quickly filed a police report with the XXXX Police Department, I received the confirmation of my filed police report at XXXX to my personal email address. I received the official PDF copy of my police report on Tuesday, XX/XX/XXXX, at XXXX XXXX to the same email address ( " Your online report has been approved and the permanent case number is XXXX '' ). I did a quick research prior to filing the police report, I wasn't sure if I should file it with the department where I lived or where the card was used. My research indicated that I should file the report with the police department where the card was used, that's why I filed it with the XXXX Police Department.
I did receive the new card a couple weeks later. I opened the letter that my new card came in, and to my surprise, the card has a sticker on it that says " YOUR CARD IS ACTIVE AND READY FOR USE ''. I CAN NOT believe that they send active cards through the mail without any requirement to call a number and provide some sort of security information to activate them.
The amounts of the unauthorized transactions on XX/XX/XXXX that went through are : {$1200.00} ( reference number : XXXX ) and {$780.00} ( reference number : XXXX ) I received a letter from Home Depot Credit Services on XX/XX/XXXX ( the letter is dated XX/XX/XXXX ) stating that they have made recent attempts to reach my by telephone and they have been unsuccessful. Contact them immediately regarding the claim of fraud with the referenced account ( XXXX ) and that I have 10 days to call them or they will further the investigation with the limited information that they have. I received the letter after their call hours ( XXXX XXXX Monday through Friday ). I called them right away in the morning before work at XXXX XXXX ( XXXX their time ) on XX/XX/XXXX. I told the lady I spoke with that I have not received any phone calls or messages from them at all since XX/XX/XXXX when the claim was made. I checked to make sure she has my correct phone number and she said she did. Then she proceeded to ask me a few more questions. The fraud department needed my driver 's license number and state, where I believe the card was stolen from, and I informed her that I made a police report right after talking to the fraud department and I gave her the permanent case number ( same as above ). I told her I don't have reason to believe that the card was stolen from my mailbox, since I live in an apartment with locked mail boxes and there was no evidence of a break-in at that time, but since I hadn't received the card that it must have been stolen while in mail transit. That was it for that phone call. It was 10min and 38 sec long.
Today, Tuesday, XX/XX/XXXX, I received another letter in the mail dated XX/XX/XXXX ( dated 5 days after the " attempting to reach you letter '' ). This letter states that " We have completed our investigation regarding your claim of unauthorized use on the above referenced account ( XXXX ). Based on our review, we have determined that you are responsible for the charges in question. '' Further it is written, " Our decision was based, in part, on the following : The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. We've conducted our investigation using the the information that you provided about the dispute. With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor. As a result, we have re-billed the disputed charges to your account and consider our investigation complete. '' First off, I am furious. I am disappointed with all the information that I gave them and more information that I can give them ( my XXXX XXXX location stuff, verification form my employer, etc ) that they are saying that I am responsible for this. Secondly, I know there are cameras at the home depot self-checkouts at least and they can have an actual photo of this person since they know the exact times and locations these transactions took place. Thirdly, the purchases are totally not normal. They are all each about XXXX min apart, he/she purchased duplicates of things each time they checked out, I could see everything on the online receipts before they were removed from my account ( may still be able to access from Home Depot using the reference numbers on my credit card statement, listed above ). Lastly, I called them on XX/XX/XXXX from their XX/XX/XXXX letter, within the 10 day period. And on XX/XX/XXXX, only 5 days after they mailed that letter, before I even received it, they sent out the letter stating my claim is denied. I am calling them again tomorrow morning when their office opens ( XX/XX/XXXX, again within 10 days from the last letter of XX/XX/XXXX ). I really don't understand what is going on here and it truly feels like they did absolutely nothing to actually investigate this claim of fraud on my behalf. I will provide anything and everything possible to help this investigation. Not just for me, but I would really be ecstatic if they could actually catch the person who did this and keep them from doing it again.
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| 10/08/2023 |
Yes |
- Credit card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I opened a credit card account with Bloomingdale 's on XX/XX/XXXX. I made several jewelry purchases for my adult daughter and a few clothing items and then approx. 14 night stays at 2 different hotels. I have paid my account every month by exceeding the minimum payment due to in sure that I would pay the promotional balance off in full by the due date of XXXX XXXX XXXX I live in XXXX XXXX California. In XXXX of XXXX I traveled XXXX miles north of XXXX XXXX to XXXX XXXX XXXX to spend time and the holidays with my youngest son who was also on track to XXXX XXXX XXXX in XX/XX/XXXX. I found the pace of the XXXX XXXX XXXX and surrounding areas to be more conducive to my health issues and my age ( XXXX ). I checked out of the last hotel I stayed in in XXXX XXXX XXXX in XXXX of XXXX I was concerned over the strange behavior and interaction that I had with the front desk person that checked me into this hotel and when I was told that she had disappeared/quit abruptly with no notice I decided to call Bloomingdale 's customer service number and request them to close my Bloomingdale 's credit card because I feared that this missing front desk person who had shared with me that she was quitting her job at the hotel in a couple of days without giving them any notice because she was leaving the country permanently to start a new life and to take another job in XXXX ( I believe she said ) and she also shared the fact that was having a lot of financial difficulty. This lead me to be concerned that she might use my credit card to travel out of the country so I asked Bloomingdale 's customer service to cancel my card and to issue a new one. There were no fraudulent charges on this card ending XXXX that I requested them to close. Bloomingdale 's closed this card at my request ending XXXX and they also issued/ a new replacement card to my XXXX XXXX XXXX XXXX XXXX California which is where I receive my mail. I stayed in XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX approximately is the date I returned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a text message and an email from Bloomingdale 's fraud department asking me if I had used the new replacement card ending XXXX to make purchases totaling {$290.00}. I texted back and responded " No '' that I haven't received the new replacement card yet and " no '' I haven't used it to make any purchases. I don't have the card. Next, I called in and spoke to Bloomingdale 's fraud department investigators. I told them that I am still in XXXX XXXX XXXX, California where I have been since XXXX of XXXX and that the replacement card should still be in my XXXX XXXX XXXX XXXX, California because I haven't picked it up yet. Next I tried to sign into my account on line to see the charges that the fraud department was referring to and to file a dispute for any unauthorized charges. The account for the new replacement card ending XXXX was totally blocked on line so I couldn't view any charges and I wasn't able to file a dispute because the account was still showing not yet activated or inactivate and asking me to activate the new replacement card???? which I was surprised to see and I wondered how the new card was used to make purchases if it had not yet been activated. Next, I called my post office where my po box is located and I asked them how my new replacement card could have been used when it should still be in my po box . I had to speak to the Post Office Manager to have her look into how this could have happened. She informed me that my po box had been broken into and the card was stolen along with other pieces of mail because my box was empty she said. Next I called Bloomingdale 's fraud investigators back and I shared with them that my po box had been broken into and the card was stolen along with my other mail. The fraud person had me file a dispute over the phone with her for what she said was {$290.00} in fraudulent charges made using the replacement card ending XXXX. I gave my statement of the fact that I am still XXXX miles away up north in XXXX XXXX XXXX and that I have many many receipts for purchases that I have made every day up to XX/XX/XXXX to prove it if she needed it and that I could provide a statement from the XXXX XXXX XXXX XXXX regarding my po box having been broken into if she needed it. The fraud investigator responded " np '' that she didn't need any of the items that I offered and that my dispute of the charges statement is all that she needed to conduct her investigation. The next day or so when I signed back into my Bloomingdale 's original credit card account ending XXXX I could see my current balance of {$570.00} ( new balance after I deducted my XX/XX/XXXX payment of {$200.00}. ) now had the additional fraudulent charges of {$290.00} added to my outstanding balance which brought my balance up to {$870.00}. On approximately XX/XX/XXXX I called Bloomingdale 's and asked them why they added the fraudulent charges to my current correct outstanding balance of {$570.00} and I also asked them when they would be removing this {$290.00} in fraudulent charges from my correct balance of {$570.00}. The representative said that they would remove the fraudulent charges of {$290.00} after they complete their investigation. On XX/XX/XXXX I called Bloomingdale 's credit department/customer service and XXXX asked them to assist me in paying off my balance in full so that only the fraudulent charges would be remaining on the account until they completed their investigation and remove the fraudulent charges of {$290.00} The Bloomingdale 's credit dept. representative said that my full outstanding balance was {$560.00}. I then told her that my outstanding balance according to my latest statement cutoff dated XXXX XXXX XXXX XXXXs {$570.00}. The representative then stated that I was given a credit of! XXXX for interest that they had erroneously charged me so that brought my true outstanding balance in full to pay my account ending XXXX off to {$560.00}. I gave her my debit card information to complete the payoff transaction. On XX/XX/XXXX I received a notice from the Bloomingdale 's credit department stating that my account balance is now XXXX. When I went in on line to look at my account for card ending XXXX it was still showing the fraudulent charges of {$290.00} on the account after my payment had been deducted from the balance. I have all of the statement for this account from XX/XX/XXXX through XX/XX/XXXX showing all of the payments and outstanding balances and it also shows the addition of the {$290.00} as purchases on my XX/XX/XXXX statement. The {$290.00} fraudulent balance was still showing on my account after they issued a second replacement card ending XXXX and changed my original account number from XXXX to XXXX. On line originally they flagged my accounts ending XXXX and XXXX as card lost/stolen and they left my new account acct. that's attached to the second new replacement card ending XXXX open/active with a balance that has ranged from {$290.00} down to {$230.00} and now it's at {$170.00} and why the balance amount keeps changing I really have no idea and it is not showing transactions to explain why in the account summary area on line as of today. They have shut off the ability to dispute any charges or transaction amounts for months now in the account in my account on line portal. I have a paper statement with the cutoff date of XX/XX/XXXX that shows there is a XXXX balance and a XXXX payment due on XX/XX/XXXX, XXXX which is correct. The next statement shows an account balance due of {$230.00} with a payment due on XX/XX/XXXX. I called in and asked what this {$230.00} balance is for because they had never removed the {$290.00} fraudulent charges I assumed. I was told that it was a reversal of a {$200.00}. payment that was credited twice to the account on the XX/XX/XXXX closing date statement. I had to ask for the paper statements to be sent to me because access to the account summary for card account ending XXXX did not show any transactions. When I received the paper statements I saw many many transactions, credits and debits that I had no knowledge of, since I was still in XXXX XXXX XXXX, California and I still didn't have a Bloomingdale 's credit card since XXXX of XXXX when I requested my original card to be closed as I have previously explained so none of the activity on the XX/XX/XXXX statement was mine. When I did the calculations of all of the purchases and the credits and debits including the {$200.00}. payment error that they were referring to every thing balanced out to XXXX balance which is why there was no payment due on XX/XX/XXXX. At my request to speak to some one in their corporate office, in response, a person by the name of XXXX XXXX was assigned to my concerns with this outstanding balance issue on my account ending XXXX. XXXX XXXX contends via an email she sent me that this {$230.00}. balance is the XX/XX/XXXX payment I made for {$200.00}. that was credited to my account in XXXX correctly and then according to XXXX XXXX it was credited again to my account a second time in XX/XX/XXXX erroneously. I have explained to XXXX XXXX many times via email that my balance was paid off in full according to my statement balances and I have not received a {$200.00}. credit reversal and the XXXX statement that she is referring to has many charges including this {$200.00}. but when you do the calculations of the debits and the credits including this {$200.00}. erroneous payment it was also credited and then debited back out correctly on the paper statement that I received for XX/XX/XXXX and their ending balance was XXXX correctly and when I did the calculations I also came to a XXXX balance on my account and this also includes my payoff amount of {$560.00} that I made on XX/XX/XXXX which I have a confirmation of payment from your credit department and a confirmation letter dated XX/XX/XXXX that my account balance is XXXX. Therefore, XXXX XXXX is the source of any balances left on my account ending XXXX and from XX/XX/XXXX up until today, XX/XX/XXXX, I have not used any Bloomingdale 's credit card including the card ending XXXX which I picked up from my po box on XX/XX/XXXX after I received my newly keyed po box keys resulting from the break in that happened in XX/XX/XXXX. Now, currently some one has came up with a current outstanding balance of {$170.00} for acct. ending XXXX and a whole lot of computations have been made on this account since my XX/XX/XXXX statement which includes my pay off payment of {$560.00} but this current {$170.00} balance is not from any transactions that I have made. Also, on XX/XX/XXXX I received a letter from Bloomingdale 's fraud department that states that they found all of the transactions made on XX/XX/XXXX to be fraudulent and that they removed this amount from my account ending XXXX. The problem is that they moved the balance of the fraudulent charges to my second new replacement card acct. ending XXXX and this fraudulent balance remained there until they did their calculations on the statement for XX/XX/XXXX with an ending balance of XXXX. I do not know who added this new balance of {$230.00} back on my account ending XXXX on the XX/XX/XXXX statement payment due on XX/XX/XXXX but it has nothing to do with me and it is their error, Also I have requested my XX/XX/XXXX statement for the third time as of today and Bloomingdale 's has failed to provide this XX/XX/XXXX paper statement to me because I believe that thety are missing a large payment I made on my account in XX/XX/XXXX, Also, in XXXX or XX/XX/XXXX I realized that they were charging me interest on my " promotional purchases with no interest until XX/XX/XXXX of XXXX '' unless I missed a payment which I had not so I called them on it and they researched it and they had to issue me a credit, and I believe they lost a payment I made in XX/XX/XXXX which is why I am asking for my paper statement for XX/XX/XXXX that they have not yet provided me with, I also made a courtesy extra payment of {$14.00} on XX/XX/XXXX just in case they come back later and say they should not have given me a credit of {$13.00} in XX/XX/XXXX for over charging me interest for the second time. This brought my payoff amount to {$570.00} that I have actually paid on my account that they said on XX/XX/XXXX that my payoff amount was only {$560.00} just to cover myself with their errors.
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| 10/31/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, MI-XXXX ( last 4 digits of my social-XXXX ) I have started a Home Depot Credit card offered at the point of purchase at Home Depot on XXXX XXXX XXXX, XXXX MI ( XXXX ). I have been a regular customer at this store where I made purchases that amount to several thousands, since I purchased my home. Trusting the store and happy with its services, I agreed to open the credit card ( with an XXXX, XXXX $ limit ) expecting the same competence and high-quality service and made purchases of no more than 300 $ with the card before XX/XX/2018 ( please read below why I can not tell for sure ). Unfortunately, the credit card company failed to send me the actual credit card ( so I never knew my own credit card number, refused to give me the credit card number over the phone or by mail or any other way and in so doing, disallowed me from 1. verifying my transactions online 2. paying off my balance -- both of which I requested repeatedly. The company also refused to list the itemized transactions over the phone, to the same effect. However, the company never failed to keep adding interest and late fees with every passing month though I called and reported that I didn't receive either credit card ( after an ordeal of successive and excessively long phone calls ). Not only that, I called and entered the info off the bank statement on the home depot credit card automated service in attempts to resolve the issue but the message I get that the information doesn't match any existing account. I kept calling to no avail. In the meantime, I received a statement from a collection company ( on behalf of home depot ). I call them and it is city bank. I re-tell the whole issue and ask to speak with a supervisor, the person confirms he is the supervisor. The total at that time was around 400 $ as he informed me, more than half of them were for late fees. He said he heard my concerns and empathized but he is not capable of accessing my home depot account, waiving the late fees, or even seeing what the charges are for. While receiving non-stop phone calls from this debt-collector, I am also getting statements from home depot with different balances. It said the total was XXXX. $ plus late fees. I went to my bank ( XXXX online ) and made a payment of XXXX $ though I never had access to my account, could never verify the transactions, and though this XXXX included interests and late fees. All I have sought since I made that payment was that I get the late fees and interests waived and have the account closed for good. But even that failed. Now I am harassed by Citi-bank collection company and simultaneously statements from home depot which keeps adding late fees and interests with the bills getting bigger and bigger. My excellent credit is unfortunately being affected over purchases for less than 300 $ of purchases off an XXXX $ credit card.
How the issue started and deteriorated : I was hospitalized from XX/XX/XXXX to XX/XX/2018 and been seriously ill for the rest of XXXX. During that month, my neighbor was collecting my mail for me. Among all the XXXX mail there was one statement from Home Depot credit card showing XXXX $ of late fees plus a balance ( no itemization ) which I could not either verify or get more info about since I hadn't received the actual credit card by that time. I called Home Depot credit card services, explained what happened, and that I never got the card. I managed to reach a representative, literally after several days of calling different XXXX-numbers to get hold of someone ( I would try for several hours every day until I was successful. The phone number on the bank statement I received, which is different from the phone number listed on the home depot credit card page on line, is consistently busy. You would be put on hold and after hours of waiting, the line would be dropped. Finally, a customer service rep. answered me and informed me that the card was to the same address at which I received the statement and raised doubts that the credit card was lost in the mail. I was extremely concerned at that point that someone got my credit card. I wanted to pay the whole amount and close the account and asked that she verify the transactions for me over the phone so I can make sure the charges are of the purchases I made. I offered to provide my social security number and driver 's license so she can be sure of my identity and I resolve the issue once and for all. she said she is not authorized to do that. I provided her with tall the information on the bank statement and asked that simply provide me with the credit card number so that I can access my home depot credit card online, which requires you to have the credit card number-which I didn't have ). The representative apologized that I didn't get the credit card and assured me I would get another one in the mail urging me to pay the minimum amount required ( XXXX $ ) so I don't accumulate interests and late fees. She waived one of the XXXX $ late fee again. Nevertheless, I didn't get another card and the same issue persisted : more bank statements with each statement with a new late fee and new interests. I called again and informed them I didn't receive a first or a second credit card, and it doesn't make any sense one gets bank statements with fees and interests but not the credit card. I receive everything else at my address ( my home mortgage statements and XXXX debit and credit cards and never had an issue with them ). I requested for the third time in a row then to be provided with the credit card number and I offered to priovide my social security plus the info provided on my home depot credit card statements but was told the same thing : they are not authorized to do that. They also informed me that the account had been closed for non-payment. While receiving non-stop phone calls from this debt-collector, I am also getting statements from home depot with different balances. It said the total was XXXX. $ plus late fees. I my online bank ( XXXX ) and made a payment of XXXX $ though I never had access to my account, could never verify the transactions, and though this XXXX already included interests and late fees, far more than I owed in purchases. I thought that would help me resolve the issue so that when I call the customer service representative, I simply ask them to waive the XXXX $ extra fees and get them to close to the account. But even that, the customer service refused to co-operate, though each representative could see the log history and the notes on my account, and though I had already paid a XXXX $ late fee extra on the very " first bill '' I received, and I am the one who ended up wasting much more money than my original debt was and wasted my time and breath and was seriously distressed by the issue given I was trying to recover from a serious illness and had so much work to catch up and it was extremely taxing to be on the phone every other day for hours to resolve the issue. I had thousands of dollars in medical bills and managed to always balance those and set plans etc with my limited income ( iam a XXXX XXXX and XXXX XXXX ). I have never experienced that much stress and waste of time to resolve an issue like that. Last time I contacted home depot alone ( without an attorney ) I was bullied by a hostile male customer service representative who told me that paying my bills was my responsibility regardless of whether I got the credit cards or not and he questioned me " oh.. you don't know how much you paid? You don't know that you already made purchases with the card? Then why don't you pay what you owe? '' I was treated like I was just giving a lame excuse and that he even said he had been over patient with me and refused to transfer me to a supervisor as I sought to escalate the issue. I was treated though I were a fraud trying to run away from my responsibility or find an excuse so as not to pay what I owe. He had no response to what I said that I made purchases with the card and made returns as well and I have never had access to the card so I never got to verify my transactions are correct and that my returns were refunded etc.
I additionally went to my local Home Depot store for help with the issue, 3 different times ans spoke with different people in charge from the front desk to supervisors. They stated they can not help with that and they can not with any credit card services though I can pay at the store whatever amount I owe. They can not show me the balance or the specific transactions.
On the XX/XX/XXXX and out of desperation, I went to seek the help pf Attorney XXXX XXXX, XXXX XXXX University Legal Services Attorney. That was my second visit to Mr. XXXX regarding the issue. He called the customer service representative to resolve the issue once and for all. After ping-ponged from one person to another, then to a supervisor then to me to make sure I can verify my identity which I did by providing my social security and confirming I authorize Mr. XXXX XXXX to represent me, a total of 50 minutes on the phone, the line was dropped. No phone call though he provided my full contact and cell phone as well as his direct phone number. He called them again and after he finally reached someone and having had to start over. At the end of the farce, we found out that there are 2 account numbers for me for the same credit card, the reason why the automated service would say that the info provided isn't connected to any current account. It turns out that after reporting I didn't receive the card and showing my concern the card may have been stolen, the credit card company changed my account number but didn't send another credit card as they said they would. The fact that I couldn't reach the credit card company because the account info I had off my first bill was no longer valid was not taken into consideration and neither was the fact that I didn't receive any card. Finally comes the conclusion of my attorney 's effort : the customer service representative said the following : we can not accept the lawyer to represent you without a power of attorney being sent to them. So, after wasting all that much time, money, and the lawyer 's consultation and the waste of his time, we couldn't resolve the issue but are rather coerced to invest more time and more money in addressing what is clearly a dishonest and incompetent credit card company that denies the customer the least of his/her rights : the right to verify their transactions and/or access their accounts before making the due payments and customer service that deliberately drops the line when convenient after hours of being on the line and refusing to give you the credit card number, let alone the message you would get 60 % of the time " try another time ''.
Before proceeding with the power of attorney and investing even more money and time on a legal front that I am not longer sure could help, I decided to seek the help of the consumers protection bureau given I have been abused and bullied throughout this process as a consumer and a person, given the disrespectful customer service representatives. I am a female with a foreign accent, which, whether may or may not have played a role in the response, shows great incompetence, unfairness, denial of responsibility, and blockage of resolution. What encouraged me further to contact you is that I found a forum made by home depot credit card customers who report the same issue I have -- getting bank statements with late fees and interests but they never got their credit cards. It makes me wonder if he fact that Home Depot is a big corporation and I, as a consumer, can not really sue them in Michigan, is what gives it immunity or inviolability when acting the way it did toward me and others. It seems there is confidence there will be no repercussions for their actions. Please help me and others from undergoing similar experiences with this store credit card company.
I have heaps of documentations ( statement bills ) and voice mails from the collection company plus my call register off my cell phone provider 's website to show my call history. Thus, kindly let me know which documents are required for you to help me with the above case. Thank you very much.
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| 06/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American, Servicemember |
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I am submitting a complaint on my Costco Citi Bank Visa credit card.
On XX/XX/XXXX I booked a hotel room at the XXXX XXXX XXXX XXXX and paid for the room with my XXXX account. After being in the room over an hour they came to my room and informed me that the room had not been paid for and threaten to through me out on the street. I had no choice but to give them my Costco Citi Bank Visa card thinking I could always disputed the charge if XXXX had not paid it. I really thought I had protect against fraudulent charges on that card.
As soon as I was able to confirm that XXXX had paid this hotel I tried to dispute the charge on the Costco Citi Bank Visa website and it was refused claiming I could not dispute a charge while it was pending and had to wait until it was posted. When it was posted I filed an online dispute, clicking the boxes I was over XXXX and XXXX military. The website asked what was the issue and I selected duplicate charge.
At that point my dispute was filed with no opportunity for me to provide a statement as to what happened or attach essential documentation. I knew immediately that it was designed this way so that they would not have to contact this merchant as required when you submit a dispute and only look to see if my credit card was charged twice.
I then received the results of my dispute. I had not provided enough information to resolve the dispute and needed to contact the merchant who had committed fraud against me. The one that had informed that the room had not been paid for when it had. I decided to send them a statement of what happened as well as essential documentation and found the only way I could do this was by US mail to Citi Bank Customer Service in XXXX XXXX. This documentation consisted of the receipt from XXXX that the room was guaranteed and paid for before I arrived on the property and the response I had from my dispute of the charge from XXXX where they denied the dispute because they had paid for the room and the room was provided. Any charges after that would be an illegal double charge which the Citi website was set up to ignore.
On the morning of XX/XX/XXXX I received a phone call from XXXX XXXX who claimed to be from Citi Bank Customer Service. It was very obvious he was reprimanding me for my not so nice letter. Evidently I was not supposed to have found a way to provide them with the essential documentation or point out their website defrauded customers from fair treatment of their disputes.
He now claimed that I gave up my rights from my Federally mandated fraud protection from credit card companies when I used XXXX to pay the initial charge. He told me that it only applied if I put the initial charge on my Costco Citi Bank Visa. He claimed I was required to pay this second billing on the room and take XXXX XXXX XXXX XXXX to small claims court. He claimed the Federally mandated fraud protection against fraudulent charges being place on this credit card did not exist!
This is not the first time Costco has treated me like this. Two years ago I tried to use their auto purchase program. They sent me to XXXX XXXX XXXX. This dealer tried to get me to accept a trade in value on my XXXX selling on XXXX for {$8000.00} to {$10000.00} of {$600.00} claiming the fuel injectors were bad when they weren't. They were trying to defraud me out of at least {$4000.00}.
I reported this to Costco thinking they would care and found out it was a conspiracy. They supported this procedure and wanted to continue. I believe it is still going on.
I received this email : Hello XXXX, This is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you for coming in and I hope Ira was thorough in his presentation. The one thing that needed to be cleared up was the issue with your Diesel. Unfortunately, it was explained to XXXX incorrectly so we wanted to explain this better. The oil filler cap was not missing. However, when it was taken off to check for Injector quality, it puffed blue smoke, indicating injector issues. We wanted to clear that up, which is another reason for the value of the vehicle. If you have any other questions, please do not hesitate to speak to XXXX or myself. Have a great and safe XXXX XXXX weekend.
This is preposterous. Taking the oil filler cap off is no way to check fuel injectors and is not in the shop manual. Besides that there was no blue smoke puffing from the oil filler hole as claimed. the vehicle ran perfectly which meant there were no injector issues. XXXX XXXX knew or should have known all this when he declared it " nothing '' because I was telling him. Over and over I wanted to take the vehicle to Costco and show them that there was no blue smoke coming out but they always refused every time. They did not dare admit that they knew this to be true. The only issue is now fraud and nothing to do with buying a vehicle.
According to our consumer protection laws I now deserved the car he was trying to sell me free of charge for deceptive marketing.
Costco 's XXXX XXXX claimed this message was " nothing '' and refused any explanation. Costco 's Vice President XXXX XXXX called me again to convince me that it was " nothing ''. I again ask him to look at the vehicle and observe that there was no smoke coming out of the oil filler hole and this Vice President with a college degree told me he couldn't see smoke because he wasn't a trained diesel mechanic.
He went on to claim that it was OK to lie about the condition of the car to get a lower trade in value because not many people complained about it. He promised to get back to me on the issue and never has. It is still an open issue.
I take cancelling the fraud protection on my credit card very serious. I take having the website set up to defraud customers of the right to dispute a charge very serious.
People like XXXX XXXX, XXXX XXXX, and XXXX XXXX are nothing more that paid criminals hired by these companies to defraud people in my category, over XXXX and XXXX military. They have no compassion for anyone. They are trained that when they are caught in a lie by the customer asking a question or pointing it out, all they have to do is refuse to respond or divert the conversation else where and then claim they are providing customer service. They try to intimidate and bully you in believing you are wrong. They are trained that way.
XXXX XXXX took over for XXXX XXXX when she wouldn't claim my email " nothing ''. He claimed he was her co-worker when he was her supervisor. He refused to answer the simple question " why '' claiming that this XXXX year old XXXX military and 20 year Costco Executive Member did not deserve an answer. He then claimed he needed the Vin number to help and refused to answer why this would help.
Then he refused to respond when provided documentation and asked him why I never received the Costco no hassle pricing. The answer is dealership was to busy trying to defraud me.
Vice President XXXX XXXX then called to sell me another car with no hassle pricing. He admitted that I did not receive one the first time. When asked why he refused to respond. I am so low on the totem pole I do not deserve and answer.
I had asked that the value of the car I deserved for deceptive mark be donated to XXXX charities and he claimed I did not deserve that because Costco contributes to the XXXX XXXX. He was so preoccupied with trying to cover up this deceptive marketing by refusing to look at the vehicle that a Costco Vice President with a college degree, claimed he did not know what smoke looks like because he was not a trained diesel mechanic!
He went on to claim that deceptive marketing was OK because Costco received few complaints. He did not seem pleased when I told him that " this is the real Costco '' but promised he was going to get back to me. He realized how badly he failed to convince me that selling me a car was a solution and how bad his performance was in this phone call and never has.
XXXX XXXX had my Citi Bank letter where I had told him that XXXX always reveal themselves, all I have to do is wait. Then he does this : His response to the most important part of the letter, " why does the Citi Bank website not allow me to provide a statement or foreword essential documentation for a dispute '' was I was preventing him from presenting his case and threatened me with " this call is recorded '' because I had asked. I repeated the question and he again refused to respond to respond. They are never going to respond to that question. They are not going to change the website and provide fraud protection for fraudulent charges.
He then claimed that this Costco Visa card did not provide fraud protection for fraudulent charges because I did not use the Costco Citi Bank Visa to pay for the non fraudulent first charge, I had used XXXX and that had cancelled my right to the fraud protection that Federal regulation requires for credit card companies.
He refused to provide me the Federal agency overseeing credit card companies that I had requested. He claimed I had take the XXXX to small claims court to recover my loss. He claimed that Citi Bank had a policy against providing fraud protection, customer service or convenience and tried to bully and intimidate me into believing he had sent a letter requesting the information to house in MN where he knew from my account records I hadn't been in 5 months. Then he determined it immaterial because I had paid the correct charge with XXXX.
Absolutely nobody deserves to be treated like I was treated in this call. He demonstrated total disregard for me, laws, doing his job correctly or any positive human points.
I reported XXXX XXXX XXXX 's deceptive marketing practice only because I do not like knowing that people are treated like this, it is against the law. I really wanted Costco to remedy the problem and provide the honest no hassle pricing they project. I wanted them to be policing companies they send me to like they claim. Their response was I didn't know what I was talking about and to get lost and went to extreme measures to cover it up. When they could not do this they just refused to respond. They have treated me with disdain ever since I tried to report it.
Then after carrying their credit card for 20 years, they deny me from submitting a dispute to a fraudulent double charge and claim it is because I used XXXX to pay for the original charge and no longer deserved fraud protection. That is the way the website is set up. The only way to discover this to file a dispute. Costco does not disclose to any of its members that the fraud protection does not apply to fraud charges placed on their account unless they????????????? They do not tell you that you can not dispute all fraudulent charges placed on the card, just those that are paid with their card.
I am devastated that these companies engage in fraud in their business. I grieve for all the people that have fallen victim to them. They have both claimed they will not change their operation and I have no control over that. I now have XXXX XXXX calling me on the phone claiming they have put the XX/XX/XXXX phone call on hold and wants to speak to me about what has happened. The phone call from XXXX XXXX is what happened and says it all. There is no explanation or excuse for that phone call and it was recorded. She can now respond to this complaint.
To be refused fraud protection twice in 2 years and to be XXXX years old and a XXXX XXXX veteran by Costco is indescribable. To have XXXX XXXX argue with me that I have to pay fraud charges because I paid with XXXX is beyond comprehension. This is the very reason the CFPB was created. I do not have time to wait for a big Federal case like against XXXX XXXX.
I want {$40000.00} in restitution for being so screwed over by these enormous companies.
They have recovered way more than that by successfully defrauding customers like me.
They do not have to answer a single why question.
They do not have to explain why these individuals are employed by these companies.
They do not have to explain why they have treated me the way they have.
I have to resolve that this is the way business is done in America. Our consumer protection laws do not apply to big business.
XXXX XXXX XXXX
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| 08/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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|
Web |
Older American |
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Based on 7 documented phone calls and text, I can show evidence that Citibank is in violation of The Federal Electronic Fund Transfer Act, specifically as it relates to Regulation E which covers these types of activities.
I hereby dispute the XXXX for {$2700.00} unauthorized XXXX transfer to a XXXX XXXX and XXXX unauthorized purchase for {$240.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
I will challenge and pursue in every possible and legitimate manner as a consumer with protection rights under the Code of Federal regulations CFR.
Timelines and facts for the case : XX/XX/2022 XXXX PM ( XXXX XXXX EST ) XXXX Fraudulent charge to XXXX XXXX ( per bank statement ) See Debit card ( XXXX ) purchase by phone. Later the Service Rep from Citi bank informed me they had also gotten ahold of my ATM pin from hacking into my Citi bank account!
XXXX ( XXXXXXXX XXXX EST ) Fraudulent withdrawal to XXXX {$2700.00} XXXX XXXX PAY ID : XXXX ORG ID : XXXX NAME : XXXX XXXX. A national search of all data bases has no record of this individual. I have a friend in the Federal Government who is checking their data bases and found nothing on this individual. Clearly a fraud.
XXXXXXXX XXXX received text message from CitiBank. I replied No They obviously got my last 4 digits right.
XXXX XXXX answered call from Online Bnkg. Citi Bank fraud representative investigating fraud charges. Call lasted for 14 minutes. The number checks out to be a Citi Bank legitimate number. This was obviously a follow up to the above text. Either it is a legitimate Citi bank employee or someone impersonating an Citibank employee. If not a Citibank employee, they were able to hack into the Citibank number and reroute it to their number for this particular call.
o Before I answered any questions, I asked them to verify they were from Citibank : They replied with my last 4 digits of SS, my birthday, my address, amount they I had in the bank and last 4 transections. They even had my ATM pin which they said was used for the XXXX XXXX Fraudulent transection. This sounded strange because I am told no Citi employee has access to my pin?
o Towards the end of the conversation, they also mentioned the XXXX fraud and were trying to put a stop to it and wanted to verify that they were talking with me XXXX XXXX.
o I got suspicious with that question and hung up, saying let me call Citibank directly back.
o I called the above number XXXX and it appeared to be legitimate. ( Somehow the fraudster has hacked this Citibank number? Or this is really a legitimate Citi Bank number. ) XXXX, I called XXXX ( Citi XXXX number from back of Debit Card ). After explaining my problem they told me to call XXXX to report it.
XXXX I called the number XXXX as told, They said they would text message me for verification. We spent over 18 minutes discussing my case. They then said they would send me a text.
XXXX Citi Sent me a text message for verification XXXX got an incoming call back from Citibank ( XXXX. By now I was so confused and concerned wondering what is the real CitiBank number and or who is fraudster impersonating CitiBank. The person on the phone wanted to review my case all over again and in detail. The call lasted over 28 minutes. After I explained my situation all over again, I was told not to worry as a dispute had been filed and if it was fraudulent, I was to get my money back.
XXXX called back XXXX XXXX XXXX ( number from the back of my card ). Wanted to conform that this was being investigated. This is the only number now that I trust. Citibank confirmed that my case was already under investigation.
Based on the above : Citi will have to prove beyond a reasonable doubt that the call at XXXX from XXXX ( XXXX XXXX XXXX ) was not a legitimate Citibank number. If it is a legitimate number, at XXXX I had a discussion with a Citibank Fraud Rep. who said I was hit by 2 Fraud Charges, the XXXX XXXX and XXXX. In that case please send me a copy of the recording for that time stamp. If it is your number then this conversations was recorded. If it was not a legitimate Citibank number it further validates that Citibank was hit by a hacker who was impersonating the bank and using a Citibank phone number as cover while actually calling from a different fraudulent number!
The recording will verify that CITI bank knew at XXXX that I had fraudulently been hacked. Citi would have had the time to put a stop to the fraud that took place 14 minutes later. Whatever the case may be, whether it was or was not a Citibank representative, this is in violation of CFR.
I was on the phone with a Citi Bank Fraud Rep from XXXX for 14 minutes ending at XXXX. This was exactly the time when Citibank recorded the posting of the XXXX withdrawal. It would have been impossible for me to make the transaction while I was on the call with Citibank. Also, since the transaction had to go through XXXX ( XXXXXXXX XXXX XXXX, there would have to had been a time delay. It takes 5-10 minutes for a XXXX transection to go through. It was in this span of 14 minutes that the transection must have taken place. This verifies the fact that towards the end of the call the Citi rep informed me that there was a XXXX fraud. Thus a ticket was opened on the case. Citi bank knew about the fraud during the time of our call. There is no way I could have approved it personally or via text to authorize this transaction. Another Violation of the CFR Citi bank sometime on the evening of XX/XX/XXXX refunded the Dispute Number : XXXX Unauthorized purchase for {$240.00} XXXX XXXX XXXX XXXX XXXX Fl XXXX They admit and acknowledge that this was fraud by this action.
It is not just a coincidence that 32 minutes later the XXXX fraud was committed. Citi Bank did not take responsibility for it. Instead, they point the finger at me. That somehow miraculously I was able to pull this off during the time of the phone call. CITI Bank admits that this was a fraudulent transection. However, Citi still denies that the next XXXX transection was not fraudulent. As an aside, no letter or explanation has been given to me or notifying me of the removal of the XXXX XXXX charges as of XX/XX/2022 XXXX XXXX I find it quite strange that Citi will go to great lengths and post on my on line account that this XXXX fraudulent activity was denied, but made no mention at all of acknowledging the XXXX XXXX Fraud and not placing a letter in my online account portal about the XXXXXXXX issue.
All of the factors and indicators point to treachery which is a violation of CFR. It seems Citi simply wanted to reimburse the lesser amount but did not want to admit its wrongdoing for the XXXX issue. This is totally an unacceptable ploy and unfair process on Citis part. It is a blatant violation of Regulation E.
I have no record, no documentation, no phone calls or IP address made to this XXXX XXXX. An IT forensic audit will not be able to show a data trail from me. Instead if we request a forensic audit of Citibanks data, it will show the trail directly from Citi to XXXX XXXX XXXX. XXXX XXXX that was made by treacherous fraudster which Citi will not admit. Obviously, Citi bank has vulnerabilities in their IT security if the fraudster was able to articulate to me all my confidential banking information stored with Citi. It is common knowledge that Citi has been having fraud problems with this issue and their security process and procedure is not safe from hackers. Over and over again, my historical facts on this issue shows that this transaction was fraudulent and in violation of XXXXegulation E My seven documented phone calls and text, show that my case is a proven fraudulent transaction.
Fraudulent transactions are covered by Regulation E. Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts. There is enough evidence to show that treachery was involved. The Consumer Financial Protection Bureau put out a directive in XXXX, saying the law applies " if a third party fraudulently induces a consumer into sharing account access information. '' Citi Bank Online credentials were required to perform these transfers, and the activity appears to be consistent with your normal banking activities this are the direct quotes as reason for denial of the dispute on Citibanks letter sent to me.
My Credentials on Citis data centers were obtained by treachery methods and means. There is enough evidence in the above to show that. To have Citi deny this dispute is absolutely egregious and in violation of the Federal Law.
Regulation E lets you dispute the following types of errors : Unauthorized electronic funds transfers. Incorrect electronic funds transfers to or from your account. Omission of an electronic funds transfer from your bank statement ( Section 205.2 ( k ) ). Unauthorized electronic fund transfer is an EFT from a consumer 's account initiated by a person other than the consumer without authority to initiate the transfer and from which the consumer receives no benefit.
Citi also states that my activity appears to be consistent with your normal banking activities.
There is nothing consistent here. I did not permit nor acknowledged to have this transfer go through with XXXX. I dont know this person. There are no records, digitally or otherwise that shows I have a connection with XXXX XXXX. Citibank just pulled out that verbiage from their stock answer and sent it to me.
Citibank rep said, it was a XXXX problem over the phone.
Citi tried to put the blame on XXXX.
Does the Electronic Funds Transfer Act ( EFTA ) and Regulation E cover XXXX transactions?
Yes, XXXX transactions are covered by the EFTA and Regulation E.
What happens, then, if the consumer was tricked or forced into furnishing such access? There is an argument based on the plain language of Regulation E that since the consumer has " furnished the access device '' to the third party, the transaction may not qualify as an unauthorized EFT.
However, the official interpretation of Regulation E provides the contrary answeran unauthorized EFT10 includes any transfer initiated by a person who obtained an access device through fraud, robbery, or force.11 Comment from CFR Comment 1005.2 ( m ) -3 and 1005.2 ( m ) -4. ( CFR.. CODE OF FEDRAL REGULATIONS ) The timing and sequence of events back-to-back as delineated above, clearly indicates fraud and treachery.
The CPFB 's recent guidance affirms and clarifies this approach, noting that if a consumer is fraudulently induced into sharing account access with a third party, the subsequent transfer is an unauthorized EFT. This includes commonplace examples of digital fraud, including instances where a consumer receives a call from someone pretending to be a representative from the consumer 's financial institution, as well as phishing or other methods to gain access to a consumer 's computer and obtain such information.
The CFPB made clear that a consumer is entitled to receive the liability protections of Regulation XXXX, even if that consumer acted negligently. While there is a cogent argument that consumers should bear some responsibility for their actions, the official interpretation of Regulation E expressly provides that negligence by a consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E.12 See Comment 1005.6 ( b ) -2. CFR The interpretation notes that even consumer behavior that constitutes negligence under state law, including writing the PIN on a debit card or on a piece of paper kept with the card, does not affect the consumer 's liability for unauthorized EFTs.
For the record, I must state that I am a XXXX XXXX retiree. Recently, I have had XXXX XXXX XXXX followed by a XXXXXXXX XXXXt, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I must take expensive XXXX XXXX daily for the rest of my life. These are very expensive. The above monies that Citibank refuses to take responsibility for are monies saved to pay for these XXXX. To miss even a XXXX a day will lead to XXXX XXXX conditions and XXXX. Thus, the urgency for a quick resolution to this dispute.
|
| 06/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been dealing with a fraud case on my Macys account for over a year and a half now. From the beginning Macys has proved to be completely incompetent in taking care of it. There has been so much stress surrounding this and I have gotten nowhere in dealing with them directly. I did not keep track of all the dates I called at the very beginning because I had no idea that I would need to. Luckily I have saved all correspondence, and started documenting everything pretty early on. The following is a timeline : XXXX/XXXX/XXXX : I received a letter from Macys stating that my credit limit had been decreased. This made no sense to me because I had only ever used the card 2 times since getting it and paid the balance immediately. It had been close to a year since I had used it last. I called the company and sure enough there were about {$800.00} worth of charges on the account on expensive items like coach purses, channel makeup, and name brand clothing. I stated that I did not make these charges, and I was given the phone number to start a fraud investigation. **I dont have the exact date but sometime in the beginning of XXXX XXXX I called the XXXX XXXX police department and filed a police report. XXXX/XXXX/XXXX : I received a letter from the fraud investigation department at Macys requesting that I complete the enclosed form. Aside from filing the police report, this was all I needed to do on my end for the fraud investigation. I completed the form and sent it back to Macys. **In the next couple months I started receiving multiple phone calls a day from Macys collections. I would call ( wait on hold for at least 15mins ) and explain that this is a fraud case and its under investigation. They would apologize and put a hold on the phone calls. I would have a temporary break from the calls, but after a week or so they would start again. I would then have to call and wait, and explain everything again. This happened at least 5 times. **After a couple months of hearing nothing from the fraud department, I called them to check the status of everything. I was told that it would be taken care of shortly and to give it a couple weeks. **I gave it a couple weeks with still no word from the fraud department, while still receiving daily phone calls from the collections department. XXXX/XXXX/XXXX : This is when I started documenting my phone calls. I called the fraud department, again, and was told that my case would be expedited, and to give it another month. XXXX/XXXX/XXXX : I received a letter in the mail from a collections agency, XXXX XXXX XXXX, requesting I pay the charges on my Macys account XXXX/XXXX/XXXX : I returned the letter to XXXX XXXX XXXX, stating that the charges are not mine. XXXX/XXXX/XXXX : I received in the mail a letter from Macys. It was the very same letter that was sent to me on XXXX/XXXX/XXXX asking me to complete the enclosed form to begin the fraud investigation. I called the fraud department and asked to speak to the supervisor. His name was XXXX, and he said he would expedite the case and it would take approximately 2 weeks to be taken care of. XXXX/XXXX/XXXX : I received the letter I had been waiting for, for 4 months! A letter from Macys fraud investigation department that stated the following ; We completed the investigation on your Macys Credit Card account. As a result, we removed the disputed charges and any related fees and interest charges from your account. And most importantly, We updated your dispute to a resolved status with the consumer reporting agencies listed below ( XXXX, XXXX, XXXX ) and the agencies were informed to update your credit report. Please allow them at least 60 days to revise their records. **Naturally, I was relieved and a huge weight had been lifted off my shoulders. A whole year went by without me ever really thinking about this again. It wasnt until I tried to apply for a travel credit card in early XXXX XXXX and got denied, that I found out that the letter Macys had sent was a complete lie. XXXX/XXXX/XXXX : I called Macys fraud department and spoke with XXXX. He was confused about the situation at first but after speaking with his supervisor, he said it looked like everything had been taken care of and resolved as fraud but the final step of closing the account and sending the update to the credit bureaus had never happened. He stated that he reopened the case and notated to contact the credit bureaus and updated them of the resolved status. **I also filed a dispute with XXXX at this time about this account. To which I later found out on XXXX/XXXX/XXXX after speaking with a representative at XXXX that Macys had responded to their dispute on XXXX/XXXX/XXXX stating that the charges should remain on my credit report. *This is the point where I start to question if this is even legal anymore. ** A couple months went by of me assuming that things had been taken care of after speaking with XXXX and filing the dispute with XXXX. It wasnt until XXXX XXXX, while trying to consolidate my student loans, I got denied because I had a charge off balance on my credit report from Macys, that I realized that nothing had been taken care of. So now, these fraudulent charges that were, according to Macys, cleared from my account and updated to a resolved status, are sitting on my credit report as a charge off balance. XXXX/XXXX/XXXX : I called XXXX fraud department and spoke with XXXX. She apologized for all of this, expedited my case with her supervisor, gave me my claims #, and told me it would take 7-14 business days to clear the balance and to check back on XXXX. XXXX/XXXX/XXXX : I called Macys fraud department and was told that on XXXX/XXXX/XXXX after my phone call, my information was forwarded to the credit bureaus and they were informed that the balance was not mine. XXXX/XXXX/XXXX : I called XXXX to confirm what Macys had told me the day before. They said that the information was still on my credit report and they had received nothing from Macys. She also told me that if I had the original letter from Macys updating my account to a resolved status I could send it directly to them and they could take care of it for me. ** When I got off the phone with her I realized that the account number I have relating to all the fraud correspondence with Macys ( a 12 digit number ) is different than the account number on my credit report ( a 16 digit number ). However, I have only ever had 1 account with Macys. XXXX/XXXX/XXXX : I called Macys customer service to ask about the account numbers and if I could receive something that showed that they were the same account. The lady from customer service didnt understand my question, so I asked to speak with a supervisor. She placed me on hold for approximately 30 minutes and returned to say that no one could find the supervisor and to call back in an hour. Instead, I called Macys fraud department again. I spoke with XXXX and updated her on my situation ; she was very apologetic and put me on hold while she got a hold of her supervisor. After about 10 minutes on hold, the call was disconnected. I called back immediately, and then spoke with XXXX. I updated her and she said she would try to find her supervisor, but no one knew where she was. She asked me if I would call back and I said no, I wanted to speak to the supervisor no matter how long I had to wait. For the next hour or so, I spoke with XXXX. She explained to me that the reason the account numbers were different was because of something called a legacy account. Apparently all the old 12-digit account numbers were switched to 16-digit account numbers when their operating system had changed, and the 2 different numbers represented the same account. In that case, it seemed simple to just ask for something in writing from them stating that the accounts were the same, as to prevent any confusion when submitting my documents to the credit bureaus. XXXX said anything in writing needed to go through their legal department first, but she could give me something that was already pre-written. She emailed me their standard mortgage letter that referenced both accounts. I was not pleased with this because the mortgage letter states that the account is under the investigation for fraud, and my investigation was suppose to have been resolved over a year ago. Again she stated this was the only documentation she could give me that showed that the accounts were the same and that as long as I had both letters it shouldnt be a problem. She then tried to get off the phone with me and I said I would still like to speak with a supervisor, because while I planned on taking care of things on my end, I still needed to ensure that they were taking care of things on their end. Her response to me was that since my account had been sitting untouched for so long, Citibank now owned it ( this was the first I had heard of this ). So it wasnt as simple of a process as it may seem and that getting the account back from Citibank would be like pulling teeth because it had to go through so many people, and it wasnt until they had it back that they could re-open it and clear the charges. Naturally, this response infuriated me. The reason my account has been sitting untouched for so long is because Macys informed me it was resolved and updated with the consumer reporting agencies, when in fact, that never happened. It was their negligence that put it there, so it should be their job to get it out. I then asked her why I was told 2 days earlier by someone in their office that my information had been forwarded to the credit bureaus when it clearly hadnt been, and if that was just a flat out lie. Her response, I dont know how to answer that. I was finally able to speak to the supervisor, XXXX XXXX. She apologized for everything and ensured that everything was in her hands now and would be worked on and taken care of. She said that she would speak to their legal department and get me the same letter that was sent to me on XXXX/XXXX/XXXX with the new and updated account number, and it would take 3-5 business days. In the mean time they were in the middle of the process of getting my account back from Citibank so they could clear the charges and close it and update it with the credit bureaus. She also gave me her direct phone number to really ensure me that she would be taking care of this personally. That evening I faxed over the original letter from Macys sent on XXXX/XXXX/XXXX, along with the mortgage letter sent to me that day, linking the accounts, and an explanation of the 2, to XXXX. XXXX/XXXX/XXXX : I received a letter from XXXX stating that the Macys charges had been deleted from my credit report, based on the information I sent them. ** I then realized this only applied to TransUnion and I would need to submit the same documents to the other credit bureaus. XXXX/XXXX/XXXX : As referenced earlier, I spoke with a representative from XXXX to file a dispute and submit my supporting documents. She opened up a new dispute case, but mentioned that they had already disputed this back in XXXX. At that time I had not provided my supporting documents, I didnt think I needed to. It was at this time I was told that Macys had responded to them on XXXX/XXXX/XXXX stating that the charges should remain on my credit report. I re-disputed it with XXXX and sent over the same documents I sent to XXXX. XXXX/XXXX/XXXX : I decided to call the supervisor from Macys fraud department, XXXX XXXX, that I had spoken with 2 weeks earlier to ask why Macys would have told the credit bureaus to keep the charges on my account, to get an update on what had been taking place the past couple of weeks to resolve this, and to follow up about the letter she was supposed to send to me after clearing it with the legal department with the correct account information. I called the number she had given me that she had stated was her direct line, and it was a number that had been disconnected. At this point, I realized that it would be of no benefit to communicate with Macys fraud department any further. Their practices seem extremely unethical and dont seem to be legal.
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| 07/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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At the beginning of last year, through no fault of mine, i had to take a reduction in pay from my job. By the middle of the year, i started struggling with the bill, including my mortgage. Towards the end of the year, i decided to seek assistance from my mortgage company, CitiMortgage. On my first call, i was told that there was nothing that I qualified for, since the account was not late. By the end of the year, my account fell behind and that point they took an application for assistance. Over the next six to seven months, I submitted and resubmitted all sorts for paperwork and explanations for that paperwork as requested, all to be told that a loan modification was not possible because if the loan was modified, my payment would be higher. XXXX XXXX was my contact during this process. When I called to get a better understanding and to ask some questions, i was not able to get a hold of her, but the person that i did reach tried to explained, but was not able to. She connected me with a manager, who gave me some additional information, buy really could not explain why the application had been denied because my payment would be higher. As I tried to explain to her, my principle has to be lower and the current interest rates are lower than the one i an paying. One of the things she did clarified for me was the fact that they would not be lowering my interest rates, not even to the current market rates.
After going back and forth, i asked her for what my options were at this point. She said that i could reapply for a modification, but then i pointed out that what would the purpose of that be since whatever factors they used originally, such as the interest rate, that they were n't going to change, were still the same. Then she mentioned to catch up the account, but i told her that i do n't have all the money needed to catch up. Then she mentioned a repayment plan. She gave me some basic information and then I asked her to transfer me to whom ever could could start that process.
She transferred me to a different department, to who I had to explain my situation all over again. At that point i was told that my account had to be a assigned to somebody and that they would get back to me, but they could n't tell me how long it would take.
As of approximately XX/XX/XXXX , XXXX XXXX became my main contact. In my first conversation with him, we went over some of the key points of the repayment plan, but he was n't able to give me full description of the program because as he put it, he is new and still learning. He stated that i would need a down payment and asked me how much i would be able to put down. I told him that i would be able to put down at least {$4000.00}, to which he replied that i would need at least 30 % of the delinquent amount, which would be at least {$4400.00}. I told him that that amount would not be a problem and that i might be able to put more down. And then he explained that the balance would be spead over the next twelve months. A number of questions i asked him, he had to put me on hold and refer to somebody else for the answers and at then end of our conversion, he agreed to find out the answers to the questions he was n't able to answer . On XX/XX/XXXX , in the afternoon, he sent me am email, saying that he had spoken with his manager and that i needed to complete a list of my monthly income and monthly expenses, and then to call in to make an appointment with him to give him this information. He would enter all of this information Mortgage Assistance Tool, which is the first step in the repay process. I replied back saying that when i had submitted the modification application, I had submitted all of this information, did i need to get it all again. I never got a reply back, so I started getting the information, together again.
I got the information ready and called back, and the earliest he could take my appointment was Friday, XX/XX/XXXX at XXXX . When he called me, we started going over the numbers, but he was actually confirming the information he already had. Had he said that he needed to confirm the numbers he had instead of having to gather my monthly income and expenses, we could have had that conversation days, if not a week or two before. But this was another delay in the process.
About 15-20 minutes into the conversation, we get cut off. I was on my cell phone, so it was probably my fault. Since i can not dial in directly to him, i waited about 10 minutes for him to call me back so we could finish the conversation. I get no phone call back, so I call him. The operator that answered the phone, tried to get him on the line, but he told her that he was on the line with another customer and could not take my call, but that he had all the information needed. I tried to explained to the operator that he did n't because we were cut off mid conversation. She attempted again, but was told the same thing and not too schedule another call for me, that he had everything he needed and that he wouldget back to me once he knew something. Even the operator could not understand why he was acting in that manner. Not much i could do at that point, so i let it go.
Later on in the afternoon, i get a call from my wife saying that she had just gotten serve with a Foreclosure Summons. When i started the process to ask for assistance, i was told that as long as something is in process, they would NOT go through with the foreclosure process, so make sure to keep in touch, answer the phone calls and read any and all mail. I have been doing doing all of this and then some.
Monday m orning, X/XX/17 , i attempted to reach him by phone to try and get an explanation, try to find out what had happened and what had changed on Friday between XXXX , when we had our half conversation and that afternoon, when the summons was delivered. That attempt was similar to the one from Friday. The operator tired to get him on the phone with me, but was told no. Through this person, i was told at one point that he had everything he needed and that he would get back to me when he had an answer and at another point that he would get back to me for some additional information. Again i reiterated the point that we had n't finished the conversation so how could he have all the information. One big point that we did n't discuss was the amount of the deposit that i was able to put down. We had discussed the minimum required, but never the actual amount i was going to put down. And again the operator was told not to schedule a call in for me with him. And again the operator could not understand why XXXX was acting this way.
On Monday, X/XX/17 about XXXX , XXXX sent me an email saying that he had worked with his manager and that they would not be able to submit a repay plan. My only option was to contact the foreclosure attorney to request a reinstatement plan. His last paragraph was that he had been assigned to a new department and he would not be able to help me out from this point forward.
Needless to say, my anxiety, my frustration grew from there, but I kept my composure. I replied back, asking him the questions that i needed answered, the questions that i had attempted to ask through the operators. I thanked him for his help and asked if he could forward my email to somebody within his old department or to his previous manager so that they could address my questions or concerns. Never heard back from him and based on the lack of response from anybody, I 'm going to assume he never forwarded my email to anybody either.
On Wednesday, X/XX/17 , I get a call from Citi Bank, following up on my mortgage account and to see if I 'm still interested in a repayment plan. I respond yes and ask if this call was in response to my email to XXXX XXXX . The operator was not aware of my email, but took the time to look up things and was again confused by what he saw. He asked me some questions, I explained what had been happening and he was even more confused. He had to speak with a manager for clarification on some things and finally said that part of the problem was that my account was not assigned to anybody? He and his manager were going to process something in their system to get somebody assigned to my account. When i asked about a time frame, i was told about 48 hours, so by Friday-Monday, somebody would be in touch with me.
Friday and Monday came and went and word from anybody. I called back on Tuesday, X/XX/17 and spoke with XXXX , # XXXX to find out who my new agent was and see what the status of the account was. I was told that me account was not assigned to anybody, that the previous operator/customer service rep and done something wrong, so there was n't anybody assigned to my account yet. Again, it would take about 2 days for somebody to be assigned to my account.
On XX/XX/XXXX or XX/XX/XXXX , i get a call from XXXX XXXX . He is my new point of contact. I asked him if he had had the opportunity to review my account and any notes associated with the account. Yes says yes and asks how he can help me. I give him all the details that i can over the phone and try to explain how i feel about being not being given all the information and how it seems that they keep dropping the ball. He responds a couple of times that he does n't know, that he was n't there and that he was n't in the conversation. While i understand that he may not want to throw one of his fellow workers under the train, depending on how detailed the notes are on my account, he should be able to see that a few things do n't make sense, as some of his other co-workers have previously seen. I can hear in his voice that he is getting tired of the conversation and he asks what he can do.
I explain to him that it seems that it seems that my only two options are to catch up the account in full or the repayment plan, but since I do n't have the {$14000.00} to catch up 100 %, the repayment plan IS my only true option. He agrees. We start talking about the details. He asked how much of a deposit would i put down, I reply that i could do $ XXXX - {$8000.00}, depending on how the rest of the numbers would look. He says that he would be able to work out the rest of the numbers because its late, it was almost XXXX , and that he doesn ; t know what the attorney 's fee are, but they they would be rolled up with the balance of the delinquency of the account and then spread out over six months. Here is another issue. Previously i had been told that that the balance would be spread over 12 months. I explain this him and again, he was n't there. He only does six months. So I tell him to work out the numbers so have a better idea. The he tell him that there is going to be a bit of a problem because he is going to be out of the office for a while, part business and part personal. He would not be able to take my information, but that one of fellow team members, XXXX would follow up with me, get my information ans give me the information about the repayment, once they hear back from attorney.
As of yet, i have not heard anything back from XXXX or XXXX . I did get a letter in the mail date d X/XX/17 saying that mu application for mortgage assistance is incomplete and to submit some documents, which i will be submitting later on this week.
Somehow I feel that I have been mislead, misinformed and misguided. I have been told different and at times, contradicting things by different people. I am not hiding or avoiding the bank. I know my responsibilities, but at times, they can not be met and that 's when i reached out for help. I can not understand how after submitting all all sorts of paperwork, multiple pay stubs, explanations for deposits and stuff, the modification application was denied because they could n't lower the payment and it took them six months to figure this out? In retro spec, I would have done so many things differently, including better notes with dates. I realize that I am just a file on somebody 's list of things to get done before the end of the day, but this is my house and life that we are dealing with.
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| 07/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Servicemember |
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This is both an issue related to a dispute that was transformed into fraud by Citi. I will begin by outlining the dispute and then document how Citi transformed it into a fraudulent transaction to benefit their company.
On XX/XX/XXXX, XXXX XXXX, a company I was doing business with was notified in writing that my subscription should be cancelled. XXXX XXXX has documented numerous times that they can be contacted at XXXX to cancel your product and services as documented here and elsewhere https : XXXXXXXX.
Subsequently, XXXX XXXX billed my card on file ( Citi Bank credit card ) and ignored my email. Upon reviewing my statement in XXXX of XXXX, I noticed a charge for {$370.00} from XXXX XXXX which was obviously an infringement of the instructions I had given the company and is contrary to Federal Law under ROSCA. At that time I planned on submitting a dispute and later did on the phone with a Citi Bank CSR who assured me I would receive documentation in the mail which I specifically requested, rather than email or online because I prefer to do business that way. On XX/XX/XXXX I noted that Citi had credited my account for the amount billed by XXXX XXXX when I received my statement but had not received documentation for the dispute information required of me.
In my XX/XX/XXXX to XX/XX/XXXX statement I noted that Citi Bank had reversed the dispute without notification, much less following up with me to request my information on the dispute. Subsequently I contacted Citi to inquire as to the status of the dispute and on XX/XX/XXXX I was informed by the disputes department that dispute XXXX was REOPENED to allow me time to submit documentation for review. I submitted the required documentation on XX/XX/XXXX to Citi at the requested fax number ( XXXX ) and received a confirmation that it had been received.
Upon receiving my XX/XX/XXXX - XX/XX/XXXX statement I noted that Citi had not placed the transaction back into dispute as promised. YET, they had refunded my late fee for the transaction, and also had given me a {$10.00} valued customer credit for the confusion on Citi 's part and the frustration on my part. I had obviously followed the process, worked in good faith with Citi and yet they could not make their process work according to policy. However, since Citi had credited my account as per the above and I was still awaiting the dispute documentation I submitted to be confirmed, I waited to see my next statement for the resolution of the dispute. Any reasonable person would have concluded that the credits to my account, confirmed that Citi was taking next steps to get this resolved ( finally ).
When I received my XX/XX/XXXX to XX/XX/XXXX statement I was disappointed to see that the original amount from XXXX XXXX was still not in dispute and that Citi had added a late fee! On XX/XX/XXXX I contacted Citi and was told by their CSR that the transaction had never been put back into dispute and they explained to me that according to their policy that I had not submitted documentation according to the timelines that governed the process. I was outraged and explained all of the above to the CSR and asked to speak with a supervisor. At that time, I was transferred to a supervisor and told my story again at which time she confirmed the receipt of my email to XXXX XXXX cancelling my service in advance of the next billing cycle ( back in XXXX of XXXX XXXX and counselled me that since XXXX XXXX had billed my card when I had instructed them not to that yes indeed, this could be fraud and would I like to proceed with placing the transaction into fraud. My response was of course if that is my only option that Citi can provide to get this resolved and considering how they couldn't even follow their own policies and process.
So on XX/XX/XXXX the transaction was placed in fraud and I was assured the transaction would drop off of my account.
On XX/XX/XXXX at XXXX EST I messaged with an agent on the Citi app which I had recently downloaded to see if it would speed up communications. An agent explained that the charges to " drop off '' ( their words ) when the statement got generated on XX/XX/XXXX. Finally - we are making progress right? Wrong.
On XX/XX/XXXX I opened the Citi app and saw that the transaction was no longer in a fraud status.I then messaged Citi on their app at XXXX and chatted with " XXXX '' ( ID XXXX ) and I stated that I saw that the transaction was no longer in fraud status and that I had not been notified by Citi XXXX I also said I saw that Citi had placed me in a past due status. XXXX noted he could not help me because fraud was not in the messaging app. I asked him to make a note of my contact and that I would be calling. He assured me he would.
On XX/XX/XXXX at XXXX EST I spoke with a Citi fraud representative and requested an update. The rep could not confirm that the transaction had been taken out of fraud. I asked for an operator ID at that time and the rep refused me! She then transferred me to the " security department ''. The security department informed me there was nothing they could do, that I should try to call the merchant to reverse the charges, and that the transaction was not in fraud status and would I like to speak with the disputes department? This was not the 1st time I noted I was being treated as a " hot potato '' by Citi - tossed from department to department, each telling me there was nothing they could do to help me. In disgust, I got off the phone after almost 120 minutes as I have a day job.
On XX/XX/XXXX I called Citi again and spoke with XXXX in Fraud and was transferred to XXXX in security. I was told that the transaction had indeed been taken out of fraud status. They said there was nothing they could do although at least these two people were sympathetic and stated they had seen this before. I left feeling like a hot potato with no resolution.
On XX/XX/XXXX in sheer desperation, I contacted XXXX XXXX to speak with them regarding the matter. They asked me to send them my documentation for review which I did to the email address requested.
On XX/XX/XXXX I called XXXX XXXXt and they did not have an update.
I subsequently received my XX/XX/XXXX to XX/XX/XXXX statement and noted that the transaction remained on my account, was not " dropped off '' nor placed in fraud. And in fact Citi had added a {$35.00} late fee!
On XX/XX/XXXX I spoke with XXXX XXXXXXXX and they informed me that since Citi had placed the transaction into fraud, per their legal department they would not be able to reverse the transaction. I was told in fact, that if the item has simply come out of dispute and they had been notified with my documentation that I had given to Citi ( my original email canceling the subscription ) they would have reversed the charges. At this point I became very frustrated with Citi. It was their negligence in not providing XXXX XXXX the documentation when the item was placed back into dispute and even more their fault when they advised to put the transaction into fraud status.
On XX/XX/XXXX I received an email from XXXX XXXX confirming my account was closed and that they could not reverse the charges.
On XX/XX/XXXX after reviewing ALL of my notes and documentation on this problem with Citi ( this was now becoming a full time job! ) I decided to call Citi to go over the decision as to why the transaction had been placed into fraud by Citi and then reversed. I had the goal of making it clear to them it was their policies and process that put me in this position. I was determined to get to the bottom of this mystery and the hot potato effect.
So after I had compiled all of my notes, I called Citi on XX/XX/XXXX and I was prepared. But to my surprise, I was told by Operator ID XXXX that my transaction HAD NEVER BEEN PLACED IN FRAUD STATUS. I was astounded. The operator then told me I would have to prove that the transaction was placed in a fraud status! What??? Knowing not else what to do, I got the instructions on where to submit my documentation to prove to Citi, that had stated over and over again they had placed my transaction in fraud status, that they did indeed! I was informed to send my information to " XXXX '' which I did on that same day.
In this documentation I included screen prints of the messaging app where there CSRs had informed me I had been referred to fraud and that my transaction would " drop off '' by XX/XX/XXXX. I also researched that very same day ( so I could include in this documentation ) that their very own fraud department confirmed it was placed in fraud. I had spoken with " XXXX '', a supervisor out of their Florida office, that the transaction had been placed in fraud and spoke with her at number XXXX, which is their online and mobile fraud protection unit phone number. Also in this communication dated XX/XX/XXXX, I demanded Citi reverse the charges, late fees and fix my credit since they had been reporting me as past due.
By XX/XX/XXXX I had received no response. I called Citi to make one final attempt to resolve this in good faith with the company. I spoke with the dispute department and offered to meet half way and pay half the bill even though I had all the documentation showing how their process and policies were broken and led to putting me in this position. They said there was nothing they could do and even said they could understand why I am so frustrated. They transferred me to customer service and once again I shared all of this information and told me they could do nothing. The CSR even said he sees this happen " all the time '' as if the process leads to the same outcome every time. I called it the hot potato process that leaves the customer with no advocate.
The CSR told me to speak with collections and so I did and was transferred to a supervisor in collections. I again shared my whole story and while she said she understood, she stated there was nothing she could do except suggest that I move the amount to settlement. I noted she was very careful with her words. When I would state that this is the only option I can see because Citi has no customer advocate to help the customer solve these kinds of problems, she would be very careful in stating the policy.
I picked up on this and when she asked me if I wanted to attempt to settle the account, she did so using policy language and redirecting the conversation to " only so many accounts are accepted into settlement '' and " I can help you attempt a settlement if you agree YOU want to place it into settlement ''. The reality is that as a result of their process and policies across numerous siloed, but orchestrated departments, there is no other choice for a customer. I believe this is by design and that Citi has masterfully concocted the process so that fewer customers win their disputes, are saddled with late fees and past due notices to the credit bureaus so that the customer will ultimately give up. This appears to be a blatant violation of fair business practices in my opinion, similar in some ways to how XXXX XXXX saddled so many customers with so many unwanted accounts and fees via unethical business processes.
Ultimately I refused to go to settlement on principle. I can easily pay the {$480.00} dollars on the account. It's not a money issue, its a concern about the lack of ethics and concern for their retail customers in their business practices. While I can not conclusively say that Citi is willfully orchestrating policy and process for the outcome I came to, I can say as a consultant with 30 years of business process analysis in the financial industry, I want it looked into. I have always had excellent credit, can prove it, and until now have been able to work with my bank when there was problem. This situation seems too conveniently " siloed '' and fraught with mis-directions for the customer intended to cause delays which lead to a violation of their policies, which is then used to justify their position, decision, and outcomes. I urge the CFPB to look at this closely as I also determine how I will escalate and take a different course of action.
|
| 01/17/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
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On XX/XX/XXXX, I received an email from XXXX with the subject line Your revolving credit limit has recently been revised which is not the typical language used when communications such as these are distributed to consumers via email, nor is this appropriate. Typically, when alerting consumers relative to changes such as these the email subject lines will state there have been changes to your account however this was not the case. After receiving the email, I opened it and read the verbiage within the body of the email only to find out that they had decreased my original credit limit from {$5800.00} to {$2900.00} leaving me with a balance of {$2800.00}, resulting in an available credit of {$80.00}. With an available credit of {$80.00} this significantly increases the chances of me exceeding my available credit limit which would allow Citi Bank to charge me for undisclosed charges ( i.e. over the limit charge, and interest charged to standard advances, etc. ) which are not listed in the initial credit card disclosures that were included in the initial prescreening application. In XX/XX/XXXX, I was charged for an Advanced Transaction Fee of {$80.00} + Interest Charged to Standard Advance Fee of {$39.00} ( $ 29.99 % Variable ) ; totaling {$110.00}, based on the cash advance I withdrew in XX/XX/XXXXXXXX XXXX ( i.e. XXXX and XX/XX/XXXX ) in the total amount of {$1600.00} ). I made a minimum online payment on XX/XX/XXXX in the amount of {$69.00} ( i.e. {$41.00} was Interest Charged to Standard Adv ) which decreased my current balance to {$2.00}, XXXX, leaving me with an available credit of {$100.00} however, with me only making the minimum payments towards the balance based on how low/and little available credit that I have, this confirmed that Citi Bank developed a fraudulent business strategy to purposefully make a profit off of credit card holders which is a direct violation of ( CFPB ) Consumer Finance Protection Bureau : Federal Truth in Lending Act ( 12 CFR Part 1026-Truth In Lending ( Regulation Z ), Section ( 10 ) OVER-THE-LIMIT-FEE : Any fee imposed for exceeding a credit limit ; Official interpretation of 60 ( b ) ( 10 ) over-the-limit-fee. ( 1 ) Applicability. The disclosure of fees for exceeding a credit limit does not include fees for other types of default or for services related to exceeding the limit. For example, no disclosure is required of fees for reinstating credit privileges or fees for the dishonor of checks on an account that, if paid, would cause the credit limit to be exceeded. After taking time to better understand what was going on with my credit limit decrease, I called on the same day that the email notification was received on ( i.e. XX/XX/XXXX ) at XXXX and spoke with an agent in reference to the information I had received. I explained that using illusive, deceptive verbiage in reference to the rationale/and justification to support their decision relating to decreasing my credit limit was fraudulent and advised that sending an alert/notification via email was a violation of the ( FCRA ) Fair Credit Reporting Act, because credit card companies are required to use either the electronic letter system or mail, and as a result of their lack of adherence I would be reporting them to the government for fraud. The agent shared that they supported my decision and explained that I would receive a letter in 7-10 business days to explain further and in turn I disconnected the call. I then proceeded to call back at XXXX and spoke with another agent. In turn, I requested assistance with locating the Citi Disclosures online as they typically are posted publicly and was told by the agent that this information is confidential and can not be shared with you since this information will be listed within the letter you will receive via email in 7-10 business days. I refuted his response and explained that I as the account owner I am entitled to this information and I should have access to this information, and if Citi Bank didnt have anything to hide then the disclosures would be public. I advised that this was fraud and shared that I would be reporting them to the ( CFPB ) Consumer Finance Protection Bureau and the ( FTC ) Federal Trade Commission for fraud. Less than 24 hours later ( i.e. XX/XX/XXXX ), I received a notification via email with the subject line Weve updated your credit limit. Upon opening the email, it instructed me to click on the button within the email itself which redirected me to the mobile app, where it rerouted me to the electronic letter system ( i.e. documents and statements ) within the Citi Bank mobile app in reference to my credit limit decrease. Once I was in the document and statements section and retrieved the letter it merely stated that we frequently review cardmember accounts and credit reports. After a recent review, we lowered the credit limit on your Citi Diamond Preferred Mastercard account. Your credit limit is {$2900.00}, of which {$0.00} can be used for cash advances. However, within the letter that they sent me via the electronic letter system in the mobile app, it still did not include the updated Citi disclosures which would reveal what the applicable charges are if I exceeded my revolving credit limit ( i.e. over the limit fee ), based on their forceful, heinous, business practices that are driven by profitability at all costs ; yet again violating of ( CFPB ) XXXXonsumer Finance Protection Bureau : Federal Truth in Lending Act ( 12 CFR Part 1026-Truth In Lending ( Regulation Z ), Section 60 ( e ) ( 3 ) PROMPT RESPONSE TO PROVIDE INFORMATION. ( 1 ). PROMPT DISCLOSURE. Information is promptly disclosed if it is given within 30 days consumer 's request for information but in no event later than delivery of the credit or charge card._ ( 2 ). INFORMATION DISCLOSED. When a consumer requests credit information, card issuers need not provide all of the required credit disclosures in all instances. For example, if disclosures have been provided in accordance with 1026.60 ( e ) ( 1 ) and a consumer call or writes a card issuer to obtain information about changes in the disclosures, the issuer need only provide the items of information that have changed from those previously disclosed on or with the application or solicitation. If a consumer requests information about items, the card issuer need only provide the requested information. If however, the card issuer has made disclosures in accordance with the option in 1026.60 ( e ) ( 2 ) and a consumer calls or writes the card issuer requesting information about costs, all the required disclosure information must be given. If a consumer requests information about items, the card issuer needs only provide the requested information. If, however, the card issuer has made disclosures in accordance with the option in 1026.60 ( e ) ( 2 ) and a consumer call or writes the card issuer requesting information about costs, all the required disclosure information must be given. _ ( 3 ). MANNER OF RESPONSE. A card issuer 's response to a consumer 's request for credit information may be provided orally, or in writing, regardless of the way the consumer 's request is received by the issuer. Furthermore, the card issuer must provide the information listed in 1026.60 ( e ) ( 1 ). Information provided in writing need not be in a tabular format. Within the pre-screening Citi Disclosures it doesnt state that if you do not pay off your cash advance within a specific amount of time, that you cant make/or complete additional cash advances, which serves as yet another confirmation that this credit card is being treated as a revolving personal line of credit that is being marketed/and exploited to consumers as a completely different product and not being clearly/or conspicuously disclosed in the documentation exploited to consumers. The initial pre-screening information does not disclose the type of credit card account ( i.e. fixed or revolving ) the Citi Diamond Preferred Credit Card is and it doesnt list the actual credit bureaus in which Citi Bank uses to determine pre-screening eligibility ( i.e. XXXX, XXXX, or XXXX ), so you are not aware which credit report they reviewed to retrieve your information until a significant event such as this occurs. After these events, I reviewed my XXXX report on XX/XX/XXXXXXXX and confirmed that there is nothing significant on my account to cause Citi Bank to decrease my credit bank, in fact my XXXX credit score recently increased XXXX points and is currently XXXX and does not contain any reported collection accounts. My XXXX credit score is XXXX, and unfortunately, I couldnt access my XXXX account, to review my credit score. Nothing regarding my credit has changed significantly, and the only reason Citi Bank decreased my credit limit significantly was for their own gain from a business perspective to decrease risk associated with new lines of credit while simultaneously forcing me/and other consumers to pay off their balance as soon as possible, because they fraudulently marketed a product ( i.e. personal line of credit stipulated by a drawback payback period ) which as a credit card deception and fraud, without the consent of consumers. Citi Bank uses illusive, and evasive verbiage ( CFPB ) Consumer Finance Protection Bureau Solicitation ( 12 CFR 1022.20 ( b ) ( 5 ) ) in reference to their Citi Diamond Preferred Credit Card is now treating it like it is a personal line of credit. Cit Bank failed disclose and/or list within their pre-screening Citi Disclosures that this credit card had a revolving credit limit which seemingly confirms that this technically is not a credit card, but was marketed as a credit card and according to Citi Bank they are considering it an actual personal line of credit and not a credit card. By doing so, this allows Citi Bank to classify the account as a revolving credit account/or revolving line of credit wherein, if you as a consumer do not pay off the balance within a specific amount of time, then they will decrease your available credit limit, forcing you to pay off the balance, using threatening, harassing, forceful, deceptive, heinous, stalking business practices which include/and or not limited to : sending multiple payment reminders per day after decreasing your credit limit ( i.e. 3 or 4 per day ) and then once a payment is made they continue to send you emails asking for feedback, and sending you additional marketing solicitations from their business partners, to portray that they care for you as a consumer ( Personal Lines of Credit vs. Credit Cards ). Not to mention, I had to complete additional online research to truly define and understand what type of product I had with Citi Bank because their customer service agents were not helpful and could not provide me with the information that I needed while speaking with them over the phone or in person. The only other disclosures that I found online outside of the electronic letter system ( i.e. mobile app ) were from XXXX, which was from 6 years, so I know that this information is outdated. Below you will find calculations that I discovered by reviewing the Citi Disclosures from an analytical perspective ( i.e. reading between the lines ). -- -- - APR for Cash Advances : 29.99 % ; ( Variable, will vary based on market ) ; however, Citi Disclosures states that the Cash Advance APR is calculated by adding [ 8.25 % + 21.74 % = 27.99 % ] ( i.e. Cash Advance APRs range between 27.99-29.99 %, variability based on the market, for example ). -- -- *27.99 % is the APR for purchases which will vary with the market based on the prime rate ( i.e. 27.99 % + 8.25 % = 36.24 %, for example ). Prime rate as of XX/XX/XXXX is 8.25 % based on market however, variable rate APRs will not exceed 29.99 %. -- - *VR-APR : 29.99 % - PR : 8.25 % = 21.74 % ( The calculation to represent the numerical value of 21.74 % is not disclosed within the Citi Disclosures document that is distributed to consumers who meet the pre-screening criteria based on their credit report and debt/to income ratio.
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| 02/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I just finished speaking with your agency and had your agency review my complaints and Citis responses. Your agency agreed with me they were able to see Citi clearly ignoring my demands to provide verification and proof. Please note this as to the record.A simple response providing no evidence to support their allegations is proof Citi is attempting to falsify allegations on their behalf in retaliation.To date no proof has been given as has been repeatedly requested and repeatedly ignored and denied.The alleged account has NEVER BEEN VERIFIED and they know this and is why they continue to falsify reports and mislead corporations into believing theyve satisfied requirements which theyve in fact failed to provide and instead issue a standard letter used to cause diversion so that they not be discovered for their illegal acts. They were asked to provide proof of mailing correspondence since they claimed a certain address but did not provide this and ignored due to obviously not having any proof otherwise.I never had a physical card from Citi to this alleged account and is also why I demanded proof. Currently Citi is enthralled in a multitude of lawsuits and class actions due to their unethical and illegal business practices. The writing theyve provided in response here to my past complaint are clear attempts to cause diversions knowing they do not have any proof of this alleged account and are instead attempting to blackmail and extort funds for their alleged account that has never been verified.
Not only has Citi severely been found to breach contracts with its clients by a court of law, but theyve not learned their lesson since they continue to do so ... Your agency also found them guilty of the exact same unethical unlawful business practices. Clearly they view their illegalities with normalcy.You may read for yourself where a pdf from the government is included on their deceptive business practices they were also found guilty of as folllows : CFPB Orders Citibank to Pay {$700.00} XXXX in Consumer Relief for Illegal Credit Card Practices XX/XX/XXXX Millions of Consumers Harmed by Banks Deceptive Marketing and Unfair Billing of Credit Card Add-On Products and Services, and Other Unlawful Practices WASHINGTON, D.C. The Consumer Financial Protection Bureau ( CFPB ) has ordered Citibank , N.A . and its subsidiaries to provide an estimated {$700.00} million in relief to eligible consumers harmed by illegal practices related to credit card add-on products and services. Roughly 7 million consumer accounts were affected by Citibanks deceptive marketing, billing, and administration of debt protection and credit monitoring add-on products. A Citibank subsidiary also deceptively charged expedited payment fees to nearly 1.8 million consumer accounts during collection calls. Citibank and its subsidiaries will pay {$35.00} XXXX in civil money penalties to the CFPB.
We continue to uncover illegal credit card add-on practices that are costing unknowing consumers millions of dollars, said CFPB Director XXXX XXXX. In our four years, this is the tenth action weve taken against companies in this space for deceiving consumers. We will remain on the lookout for similar conduct and will address it as we find it.
Citibank , N.A . is a national bank and insured depository institution. Citibank, as well as its subsidiaries Department Stores National Bank, and CitiXXXX XXXX Services , Inc. ( USA ), marketed or offered credit card add-on products to consumers nationwide. From at least XXXX through XXXX, Citibank actively marketed and enrolled consumers in five debt protection add-on products : AccountCare, Balance Protector, Credit Protection, Credit Protector, and Payment Safeguard. These products promised to cancel a consumers payment or balance, or defer the payment due date, if the consumer experienced certain hardships, such as job loss, disability, hospitalization, and certain life events, such as marriage or divorce. Citibank also marketed and sold other add-on products XXXX, XXXX, XXXX, and Citi Credit Monitoring Services that offered credit-monitoring or credit-report-retrieval services. Citibank also offered Watch-Guard Preferred, a wallet-protection service that notified credit and debit card issuers if the consumers reported a card lost or stolen.
Deceptive Marketing The Bureau found that Citibank or its service providers marketed these products deceptively during telemarketing calls, online enrollment, point-of-sale application and enrollment at retailers, or when enrolled consumers later called to cancel certain products. For example, confusing text on pin-pad offer screens at the point of sale increased the likelihood that consumers applying for credit cards at a retailer would not realize they were both applying for credit and purchasing debt-protection coverage. These illegal practices affected an estimated 4.8 million consumer accounts. Among other things, Citibanks misleading or illegal marketing or retention practices included : Misrepresenting cost and fees for coverage : In some cases, telemarketers misrepresented or did not inform the consumer about the cost of the products. In certain telemarketing scripts, Citibank instructed telemarketers to claim a blanket free 30-day trial period, when Citibank still charged consumers during the initial 30 days of membership. In other instances, Citibank failed to inform consumers that they would be billed after the 30-day trial period if they did not cancel the product. Citibank also told some consumers they could avoid the fee by paying their balance in full by the due date. But to avoid the fee, consumers had to pay off the balance before the end of their billing cycle so that there would be no balance on the account when billing statements went out.
Misrepresenting benefits of some products : For consumers who signed up for a credit-monitoring product, Citibank claimed the fraud alert service on credit card accounts would alert them of fraudulent purchases. In fact, the credit-monitoring product only provided alerts to changes in a consumers credit file maintained by major reporting companies, not at the transaction level. Citibank also misled consumers in telemarketing calls and in online marketing about the credit score benefit. It told consumers the credit score was generated from all the three major credit reporting companies, when in reality the score was generated by a third-party vendor.
Illegal practices in the enrollment process : During telemarketing calls, Citibanks nonbank subsidiary, XXXX XXXX XXXX , XXXX. ( USA ), used illegal practices to enroll consumers in these products. That company used leading questions to obtain billing authorizations from consumers for certain add-on products. It also enrolled some consumers without any billing authorization or by construing ambiguous responses during calls for a billing authorization as permission for enrollment, and then charged consumers for the products.
Misrepresenting or omitting information about eligibility for coverage : In some instances, consumers disclosed information to Citibank indicating that they would be ineligible for certain benefits. However, Citibank failed to inform them that they would be ineligible to receive the product benefits and still enrolled them in the product.
Unfair Billing Practices Under federal law, in order for Citibank or its vendors to obtain consumers credit information to provide the credit-monitoring or credit-report-retrieval services for certain add-on products, consumers generally must authorize access to that information. In many instances, however, Citibank billed consumers for these products without having the authorization necessary to perform the credit-monitoring and credit-report-retrieval services. In other cases, Citibank or its vendors could not provide the promised services for other reasons, such as when the consumers information could not be found in the consumer reporting companies files. As a result, Citibank : Charged consumers for benefits they did not receive : Citibank charged consumers whose authorizations were not in order or who could not receive the credit monitoring or other benefits. The company continued to charge consumers for services they were not receiving, in some cases for the entire time the consumer had the product.
Failed to provide product benefits : Consumers may have been under the impression that their credit was being monitored for fraud and identity theft, when, in fact, these services were either not being performed at all, or were only partially performed.
Citibank engaged in these unfair billing practices from at least XXXX through XXXX. About 2.2 million consumer accounts were improperly billed product fees while not receiving the full product services.
Deceptive Collection Practices When collecting payment on delinquent retailer-affiliated credit card accounts, Citibank offered consumers the option to pay by phone using a checking account, so the payment would post to the account on the same day. There was a {$14.00} fee associated with using this option. Citibank misled consumers by not disclosing the purpose of the expedited payment fee. It misrepresented the payment fee as a processing fee and did not explain that the fee was to post payment to the account on the same day it was made rather than a fee to allow payment. Citibank also failed to disclose other no-cost payment alternatives. The company charged the fee even though it was rarely in the consumers interest to pay the fee so that the payment would post on the same day.
Enforcement Action Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has the authority to take action against institutions engaging in unfair, deceptive, or abusive practices, or other violations of federal consumer financial law. This is the tenth action the Bureau has taken against companies for illegal practices in the marketing or administration of add-on products and services. The CFPBs order requires that Citibank : Provide {$700.00} XXXX in relief to roughly 8.8 million consumer accounts : Citibank must provide approximately {$470.00} million in consumer relief to about 4.8 million consumer accounts as a result of the deceptive marketing or retention practices. It also must pay approximately {$190.00} million to roughly 2.2 million consumer accounts that enrolled in the credit monitoring products and were charged while Citibank did not perform all of the promised services. Department Stores National Bank must provide about {$23.00} million in consumer relief to almost 1.8 million consumer accounts for charging expedited payment fees on these delinquent accounts.
Conveniently repay consumers : Citibank will reimburse consumers affected by these practices. Consumers who are eligible for a refund do not have to take any action to get their refund. For the unfair billing practices related to the credit-monitoring products, Citibank has completed reimbursement to eligible consumers. For eligible consumers who have not received refunds yet, Citibank will initiate and complete a remediation process to reimburse those consumers.
End unfair billing practices : Consumers will no longer be billed for the credit monitoring products if they are not receiving the promised benefits.
Cease engaging in illegal practices : Citibank is prohibited from marketing all add-on products by telephone or at the point of sale, or engaging in attempts to retain consumers in these products by telephone, until it submits a compliance plan to the CFPB.
Pay a {$35.00} XXXX penalty : Citibank will make a {$35.00} XXXX penalty payment to the CFPBs Civil Penalty Fund.
The CFPB is taking this action in coordination with the Office of the Comptroller of the Currency, which is separately ordering a {$35.00} XXXX civil penalty and restitution from Citibank and Department Stores National Bank for some of the same illegal practices.
The full text of the CFPBs consent order is available at : https : XXXX
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| 07/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My husband was the primary account holder of a Citibank Shop Your Way XXXX, and I ( his wife ), an authorized user. We had 2 credit cards with identical account numbers, the only difference being our names on each card. In short, one card was lost, and a criminal found it, and charged over {$1000.00} during a shopping spree that spanned 3 days, at a mall in another town. I called Citibank to report it and what should have been a straightforward fraud claim, where the consumer was not held liable for fraudulent transactions within a certain limit, as per their marketed policy, instead became a series of frustrating and stressful interactions with Citibanks audit department, where they were treating us like the criminals, accusing us of having made the transactions without providing a rational basis for their conclusion, much less any evidence. We have been dealing with this issue for 8 months and counting. Below is more detail, although not thorough detail, in order to spare the readers time and to increase clarity, but I get a feeling that most have already experienced this level of incompetent and unjust customer service and can imagine how much painful detail I am leaving out, which should not be taken for granted since the stress that impacts a person is very real and hurtful, to the person and their financial situation.
On XXXX XXXX XXXX, at XXXX XXXX XXXX ( when I cant sleep, I pay bills ), I called Citi 's customer service line at XXXX XXXX XXXX XXXX, to report 23 fraudulent transactions that posted to our account from XXXX XXXX to XXXX XXXX, totaling {$1000.00}. The conversation lasted 32 minutes. The representative and I went line by line to ensure I identified the charges that I was CERTAIN were not made by us. Furthermore, my motive for calling Citi was not to report a missing card ; As a matter of fact, when the representative asked me if I had the credit card in possession, I advised her that I only had my card, but not my husband 's, and THATS when I realized that my husbands card was lost, and someone picked it up and went to a mall in another town on a shopping spree. Let me be clear, there were 17 transactions that I did not flag as fraudulent because they were made in my town, and at establishments which I patronize. However, this does not mean that I was confirming these transactions as having been made by us. I wanted to be honest and only reported what I knew for sure was fraud. Furthermore, I explained to the representative that the fraud transactions were made at a mall that I do not frequent because it is in another area/town over 10 miles away from me, and I especially was not leaving my little town due to COVID precautions, much less hanging out a mall! Also, the stores they purchased items at such as XXXX, a nail boutique, XXXX XXXX XXXX, were not establishments I patronized. The representative was helpful, supportive, and explained to me that they would conduct an investigation. Furthermore, the representative took proper actions and canceled both credit cards, and requested for new cards with new account numbers to be mailed to us. Additionally, I also took the time to file a police report since the dollar amount of fraud rises to the level of a federal offense. I wanted the person ( s ) caught, and charged! The police officer explained to me that the bank would take the lead on the investigation and that they would be on standby for any support requested on behalf of Citibank. Over the following 2 weeks, in mid-XXXX, the 23 transactions were credited to our bill, we received the new cards, and I thought it was over and felt satisfied and thankful.
Then in XXXX to my shock and disbelief, the 23 transactions were re-billed, in addition to interest and fees, and our nightmare of dealing with Citi 's " Security '' department began. Apparently, there are 2 departments, there is a first line security department, that seems to be reasonable, and then once they make a decision on a fraud claim, it goes to an Audit department? I assume this is the protocol because the-what I will call first line security department, has on TWO occasions credited those 23 transactions to our bill and then the audit department has re-billed it on both occasions. It is that second group that has behaved outrageously by re-billing the charges twice, and not explaining on what basis they make these decisions.
We have had over 10 calls, with that audit department, the first line security, and even the Executive Response Unit ( ERU ), which has no power or authority whatsoever. Citibank is not diligent, nor truly trying to conduct good, efficient, and credible investigations. Apparently, notes get typed up, and when I call, they ask me questions that an investigator had, such as was the card in your possession? ( I had provided the answer to this to the first rep, but ok, Ill answer it again ). It started to feel like a game of telephone! Somehow our responses would be twisted, taken out of context and this is because so many different reps provide input. The biggest misinterpretation was the fact that because I did not identify 17 transactions as fraud, and according to the audit department, my husbands physical card was also used to charge one of the transactions that we did not report, therefore, the fraud transactions were made by us as well. Follow me? It was XXXX. They never gave me a date, or advised me of which transactions they were referencing, I think at one point they stated they could not share that information. What? So you have a basis for denying my claim but you cant tell me? You wont give me an opportunity to possibly explain further?
During one of my interactions with the first line security, in early XXXX XXXX, I questioned their investigative procedures. I asked if they had requested video from the stores, receipts, etc. Apparently they do none of this! They base their investigation purely on what the customer tells them, then they claim to check the statement? And that is it. This particular representative turned it around on me and asked what investigating have YOU done? Bring us evidence, show us it wasnt you I literally cried two, maybe three times out of sheer frustration, this was one of them. I advised her that no one had ever advised me to investigate. I advised her that the first representative told me that Citibank would investigate, and that the police also advised me that Citibank would investigate. However, I advised the representative that I would take my own action, and that day, I marched out to that mall, visited about 7 locations and recorded every single interaction with their security departments. All of them stated that they only keep security footage approximately 3 months, and since no one signs receipts anymore they also didnt keep such records for long. I composed an email and sent it to XXXX, ( email was provided to me by a first line security representative ) and advised the assigned audit department security specialist about MY investigation and attached all the voice recordings. I also included information on the police report I filed. NOTHING resulted from that email. I never got an acknowledgement of receipt, nothing!
I had hope when I began to deal the ERU I would start getting somewhere ; However, the first person from the ERU couldn't care less. He never followed up with me as promised, and nothing was done. I called back and spoke to a second young lady, who has been the best of the lot, and during this last contact, I advised her that I was reporting transactions that I did not recognize and that I never confirmed that any of the other 17 transactions were mine. So she asked me to confirm what I did know to be charged by us, I proceeded to identify 2 out of the 17 transactions. So at that point, It was established that there were 2 transactions that I knew were ours, 23 that I knew were not ours, and the rest I did not know and could have been fraudulent as well. She promised to follow up with me over the next two weeks. However, by that point, my husband had cancelled the account, and after we were credited the 23 transactions, along with fees, and interest, for the SECOND time, we paid it off ; but when they RE-BILLED the 23 transactions for the SECOND time ( fees and interest included ), we had another monthly payment and we stopped paying. Therefore, a Citibank representative called me before the second ERU representative had an opportunity to follow up. This was my last interaction with Citibank. During that conversation, I again, patiently explained to the representative the issues, and why were not paying. She seemed concerned and once again stated that there was a question in the notes that needed an answer before they made their final decision and asked who had your husbands card when it was lost? I confirmed that I had both cards in my wallet when It was lost. Then, like a recurring nightmare, the game of telephone ensued, my words were twisted because I received a final notice stating that my claim was denied because We were advised by [ my name ], former Authorized User, on XXXX XXXX XXXX, that your card and her card were in possession. Oh my God. I felt deflated, frustrated, not heard, injustice, stressed, emotionally distraught and had to stop dealing with this for 3 weeks, until now, I am taking this step to keep fighting.
We had an {$80000.00} credit limit, and at the time of the fraud we owed about {$3500.00}, and intended on paying off the credit card within a month. I mention this so that you understand that my husband and I do not have a need or the will to commit fraud. We are both professionals, and responsible with our financial commitments, being dead beats is not our thing. Additionally, we work in professions where this kind of behavior could hurt our ability to stay employed, and find it absolutely outrageous that Citibank can so flippantly accuse us of having made these transactions, without a credible investigation, and without giving weight to their own policy of not holding customers liable for fraud. Citi continues to insist that we charged those transactions, charges us interest, and has advised us that they are placing a permanent note so that the credit bureau does not remove the reports from our credit reports. I find this behavior to be malicious.
My questions for Citibank are : 1. Why do you not review store video, and in a timely manner?
2. When you have situations where there are authorized users and multiple cards exist, why cant customers tell which card was used to make the purchase since the account numbers are the same?
3. Why do you not answer emails?
4. Why do you not care to obtain the filed police reports?
5. Why not give the customer the benefit of the doubt?
Further comments : Citibank policy of solely going by the customers initial comments is bad policy and not a good investigative tool to base your decisions. Your representatives dont ask all the right questions and we shouldnt have to be penalized. Furthermore, because your representatives do not ask the right questions, when they do come up later on and the customer attempts to explain, or provide more information, we are made to feel that we are not believed and that our attempts to explain are nothing but lies trying to pull the wool over their eyes.
Mark my words, if this doesnt have a fair and just resolution, I will NEVER use Citibank products, and will advocate for others to not do so as well.
Lastly, I want to publicly apologize to one representative from the audit department that I called a bad word. It was the only time I lost my cool. You did not deserve that and I apologize.
ATTACHMENTS : ONE of the Citibank statements where they credit the 23 fraud transactions. There is highlighting that is difficult to see, but they highlight the fraud transactions that I do not recognize with certainty.
Police Report Email sent to security and voice recording of my conversations with security departments
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| 08/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Yesterday ( Sat., XX/XX/XXXX ), at about XXXXXXXX XXXXXXXX, I went to my local Citibank branch at XXXX XXXX XXXX XXXX XXXX , California , XXXX ( branch phone : XXXX ). I have two Citi MasterCardsa ThankYou Rewards card ( opened about 12 years ago ) and a Simplicity card ( opened about 3 years ago ). I am a consumer with a long and strong credit history, having and maintaining a FICO score of at least 700 for about the last 10 years.
I was at the branch to make cash payment on both cards, which effective XX/XX/XXXX, must be made via ATM ( see Att. A -- Citibank Notice Re Payment Policy Change ). Besides, it was a Saturday evening, and regardless, I have been making cash payments at the branch ATMs for the life of the cards. The branch has two ATMsa walk-up and a drive-thru. I first dipped my ThankYou Rewards card into the walk-up ATM and used the touch screen to navigate to make a cash payment ( as I had done countless times before ), at which point, I was prompted for, and correctly entered, my PIN. My pin is actually the same on both cards and has not changed over the life of the cards.
Normally, once a PIN is entered, the ATM 's automatic depository opens to receive cash payment. However, this time, the depository did not open. Instead, a blue error screen appeared. It read, in whole, as follows : " I'm Sorry. I can't do that right now. For assistance, please call Customer Service. XXXX Please give this number : XXXX '' ( see Att. B -- Photo of ATM Error Screen ). So, I waited until the screen cleared, at which point, I was automatically logged out. I then repeated the entire process, which for the second time, produced the same error screen. Thus, I drove to the back of the branch and entered the drive-thru ATM with my car. I repeated the process, which for the third time, produced the same error screen.
At this point, I though I would test a theory of mine, so while still at the drive-thru ATM, I accessed by second card, the Simplicity MasterCard ( you will remember that I also needed to make a payment on that account as well ). I again navigated to make a cash payment, entered my ATM ( which again, is the same on this second card as it is on the first and has not ever changed ). This time, the depository did open, and I made cash payment on my second card. So, I thought maybe I would try my first card again to see if the issue had cleared up. After doing exactly the same thing again, it again and for the fourth time, produced the same error screen. At this point, I took a digital photo of the error screen with my digital camera ( that is the photographic evidence that I previously said is available on request ).
Once I arrived home a bit later in the evening at XXXXXXXX XXXX, I called the phone number that the error screen advised I call, reaching a male XXXX agent named XXXX. I reported the problem to him precisely, and he proceeded to authenticate my identity through a process that took nearly five minutes. After putting me on hold, he returned to say that he saw no issues with my card on his end. I asked him what the error code meant. Rather than answer my question, he ignored it entirely and instead repeated that he saw no issue with my card on his end. I asked him if he has a way to lookup the error code. After again placing me on hold, he returned to repeat, yet again, that there was no problem with my card. I grew even more frustrated. I confronted him and asked him what the code means. He said it is a BRANCH error code. I followed up by asking if it is a branch code, then why was I advised by that error message to call customer service instead of visit the branch. He again said there was nothing wrong with my card. I grew angry and insisted that he stop ignoring my question, stop repeating himself ( which he himself admitted he was doing ) and answer my question. He finally confessed that he did not know. I asked him why he did he not just say that to begin with ... why he was not honest. I then asked to speak to someone else who did know the answer to my question/problem. He seemed confused and asked with whom I wanted to speak. I told him that I wanted to speak to someone who knew the answer to my question. After putting me on hold again, he returned to transfer me to his supervisor, XXXX.
While waiting on hold, I turned on my digital audio recorder for informational and impeachment purposes ( see Att. C ; D ; E -- Audio Recording 1 ; 2 ; 3 of Call with XXXX ). Then, the supervisor, another XXXX man who was seemingly XXXX-school educated named XXXX, answered and told me that the call was being recorded. XXXX summarized the reason for my call, which was incorrect, so I corrected him by providing the above details. He apologized for his supervisee, XXXX, and then confirmed some of the details of my experience at the ATM. XXXX then told me that the only issue that he sees is that my card has been suspended ( you will recall that XXXX did not even mention this ). I asked him who suspended it? He said it was suspended because the account was over the credit limit, and he GUESSED that the error screen was a way to remind me to " sort things out '' with the branch.
I grew angrier still. I told XXXX that there was nothing to sort out. I said that Citi wants me to make a payment, and I was trying to make a payment ... nothing to sort out. Then, XXXX searched for what he could say next, when he suddenly blurted out that I need to make a payment over the phone. I lost my temper and said, " No, I'm not making the payment over the phone! '' I said I am making a cash payment and per Citibank, that needs to be done at an ATM. I told XXXX the following : ( a ) The account balance always exceeds the limit at the end of the billing cycle because that is when Citibank hits me with an interest fee, not because I exceeded my spending or cash-advance limit ; ( b ) This is how it has been for over a decade without problem ; and ( c ) Even if the card is suspended for making purchases, I was trying to use it TO MAKE A PAYMENT, not a purchase. Taken aback, XXXX grew nearly silent. He murdered and stammered trying to figure out what to say next.
Then, taking another shot-in-the-dark with more guessing, XXXX claimed that an email was sent to me in mid XXXX about my account. I confirmed my email address to him. He asked me to log into my email account, which I did. I did a search for the email but did not find it. However, I told XXXX that I remember receiving a Citibank email but told him that it had nothing to do with my account being suspended. I told him that the email was only about the change in policy ( that I mentioned above ) restricting cash payments to being accepted only at ATMs, not inside branch offices. This, of course, was not the issue anyway. Again, not only was I not trying to make a payment in the branch ( as it was Saturday evening ), but also, I had already been in the preferred practice of making cash payments at the ATMs for the entire life of both of my cards anyway. Nevertheless, I told XXXX that because I had also received a hardcopy of the same message but via post, I could go into the other room and try to find it for him if he wanted me to. XXXX declined my offer, apparently realizing that this shot-in-the-dark was not the issue either. In fact, XXXX confirmed that it " sounds like it's just the normal letter that we sent to everybody. '' XXXX then said that he doesn't see any other issue.
After putting me on hold for some time, XXXX returned to take another guess at the problem : He mentioned something about an old card and a new card. I told him that this is the only card that I have activate on this account. I told him that I had received a new card in the mail some six months prior but had no reason to activate it, as my currently activate card was good until late XXXX. XXXX, apparently convinced that he had finally made the right guess, declared, " That's the problem. '' I asked him what was the problem and why he thought that I could not use my current valid card just to make an ATM payment ( not even for purchases ). He responded by effectively admitting that he was only guessing that this was the issue at the ATM. He then said that he could activate that new card, at which point, I insisted he slow down for a moment so that I could understand the so-called problem. I asked him if I was being required to activate the new card because it is more secure. He responded that it was " equally secure '' but it is " more updated, '' which did not clarify WHY, if that was the case, that I had to use a new card. XXXX even asked me about the condition of my current active card, and I told him that it is in perfect condition, which further made my point : That my current, valid, " equally secure, '' and good-condition card should work and that I should not be forced to activating a new card. Even then, all of this remained an assumption. In fact, XXXX later again and more explicitly admitted, " That's the thing ; I'm not sure what was the reason, '' at which point I can be heard on the recording exasperatedly saying, " Oh my XXXX ... '' At this point, I was fed up. Although the conversation with XXXX continued for another 15+ minutes, it devolved rapidly and never recovered, so I will simply summarize the key points and reaffirm my offer to provide a digital copy of the audio recording that I made. At one point, XXXX had apparently grown so frustrated with ME that he asked to put me on hold to step away for " a drink of water, '' a request that I obliged. At another point, XXXX begins to say something that was clearly going to be snarky : " Well, Mr. XXXX, I think you're just ... '', but he stopped himself from finishing it. When I pressed him on it, he wisely chose not to finish his personal and obviously inappropriate comment. However, at another point, XXXX let loose and snidely said, " You're not calling to get help ; you're calling to complain. '' I shot back by saying that these are not mutually exclusive concepts ; on the contrary, I could not ask for help unless there were a problem about which to complain. I further reminded XXXX that he and his agent had only offered guesses, none of which solved my problem, and I reminded him that customer service personnel get PAID to hear complaints and solve problems, while I and other customers do not get paid to waste our time by being inconvenience and led around from one guess to guess. I told XXXX that I too was recording the call and that if he kept in this direction, I would close both accounts and forward a copy of the recording to Citibank. His response sealed the deal : XXXX replied, " Well, sir, that's not really a threat to me. '' I immediately demanded that he close BOTH of my credit accounts, which XXXX did effective immediately. I then gave XXXX another chance to take another dig at me, a nearly-15-year client, but this time, he wisely declined my offer.
BOTTOM LINE : I called to resolve my inability to make a payment on one of my Citibank credit accounts per Citibank 's own policy. More than one HOUR later, and I had CLOSED BOTH ACCOUNTS. I, a TWELVE-YEAR customer with multiple accounts consistently in good standing, was all but TAUNTED into walking away from Citibank having closed two accounts, and all on the back of a SUPERVISOR 'S guesses, the last of which was that I was SUSPENDED from MAKING PAYMENT to Citibank, despite my doing so per Citibank 's own explicit policy. A bank that doesn't want my moneyMessage received loud and clear.
NOTE : I broke up the audio proof into three parts/attachments so that your system 's file-size limit would not prevent the upload. Further, the audio in all three files contains the occasional blip resulting from my bumping my desk during the call ( I was understandably animated at times while speaking ) ; please do excuse this issue, as it does not alter or obscure the substance of the recording in any way.
|
| 07/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
|
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Myself, my family and now our lawyer is involved in this complaint. Note my family has been a Citibank customer since XXXX. Have we had fraud in the past, yes, but not even close to this level. Everyone, including my lawyer and other card holder that I have submitted this documentation too has cleared or have asked for it all to be cleared, other than Citibank who actually cleared it twice and then re-negged because of additional fraudulent ACH payments. Yes, my family and myself have been direct victims of, first and foremost, Identity theft which also effected my XXXX XXXX student account which is/was attached to our checking account at XXXX. These Fraudsters, as has been documented came after myself in full force " hard '' as one police officer put it. He stated that he has seen it this bad before and with one of his own police officers ( colleagues ) as well due to the type of job he performs ( criminal and forensic investigation ) and once the Fraudsters figured out his occupation he became under serious attack. He too struggled with Citibank in particular because of what he called a dysfunction over all process. This is really sad! The mere fact that investigators in civil service of our communities and now an investigator, myself, from the banking industry who have been trained to investigate bad guys, compile deep levels of evidence, and even find out where some of these " rings '' are operating out of, and then fall to an " unprotected '' role by our own brethren is not only discouraging but is also sad. I don't know about the aforementioned police investigator but I know that myself and others have made a great impact in breaking up fraud and anti-money laundering schemes and rings. What's our reward? A pat on the back and now apparently being accused of crimes myself, my family nor friends did not commit. Heck of an ironic turn of events but Citibank could not be more wrong. The police I have contacted alone agree 100 % and are willing to testify in my defense on all counts. One the of officers even commented " Why should we be working to do any good for anyone if this is how we are to be treated at the end of the day!
Each day, I research along with my attorney as he and I have time only to turn over new issues. I can only report that which I find or that which we believe has happened and you know what? That story can also change with new evidence coming to light. If investigators at Citibank don't understand that then they either have not been in the investigation business very long or they are " trapped '' in a world that " everyone is guilty until proven innocent ''. That's completely backward in our society and I suggest Citibank, in particular look at the regulation that governs credit cards, paying attention to the fact that you offer 100 % Identity Theft and fraud protection to you consumers, and in this case that's what my family and I are ( consumer victims ) that brought these issues to your attention, not the other way around. Citibank, in fact allowed this fraud and Identity theft to continue even after I reported it, began to investigate, and began supplying documentation to protect myself, my family and Citibank. To date, Citibank is the ONLY creditor that has not discussed ( in full ) the complaints I have sent in through the CFPB and the disparate information they have received from their teams. Have I had to recant findings that I believed to be one way or another through additional research? Of Course! That's a proper investigative process because if facts change, they are no longer good facts, the new facts, with supporting evidence are. If Citibank does not understand this they don't appear to understand the twists and turns an investigation can take, and as for myself, I document everything XXXX good, bad or indifferent )! That's what compliance people and investigators do! We don't take sides and we certainly do not " flip-flop '' our decisions based upon proven evidence. If the evidence is adjusted we add and and modify our approach but it's usually against the fraudster because at the end of the day, they caused the MESS!
Now, I am going to pass along a couple other pieces of evidence that Citibank should certainly think about or act upon. First, it has been noted that the " mailbox bank '' in my community was broken into at the beginning of XXXX. If you google map my area of our subdivision you will see we set op in a large square or rectangle of sorts. That square or rectangle surrounds yet another square/rectangle. This is not at all a through street and therefore the people who are here 1. Live here 2. Are visiting, 3. are looking for a new place to live since we are the most attractive place to live, arguably, in all of XXXX ( our community ) which began in the XXXX 's and was completed in the early XXXX 's. It considered one of the most sought after areas in all of XXXX XXXX XXXX and homes, even when times are slow do not last on the market for more than 2 week. At this point they are selling with multiple offers as soon as they are posted on XXXX with multiple offers. Now, many of my neighbors, including the 6 that are on my block have all been hit with the fraud bug, Identity Theft or both. We believe this uptick is due to the break in of our mailboxes and yet the XXXX has yet to fix it. In addition, we have been told by the police that that this has been going on and they know of at least XXXX cases in our high popular a beautiful community? What were these crooks after? Why of course the Stimulus Checks that were sent out and while getting some of them they also received a ton of PII on all people in our area. That's disgusting and yet Citibank keeps send mail through the XXXX just to have it stolen over and over again. We also have to go to the PO and pick up the bulk of our mail, on a schedule ( 2 days a week ) by address which causes us all to wait in line for 1-2 hours twice a week. Is this Citibank 's fault? No! But you are contributing to the increased problem.
Finally, On Tuesday of this week myself, my wife and other neighbors have been receiving calls from a FAKE ( criminal ) person representing themselves as representing ALL card companies. This certainly set off a " Red Flag '' for me and the aforementioned neighbors I discussed. I was so fortunate to intercept two of these calls. On stated he represented XXXX XXXX XXXX and wouldn't you know it, one stated he was representing Citibank and he was " rebuilding my entire credit file ''. The crazy thing is that these calls both came from the same number XXXX XXXX and both times the Fraudster represented himself as XXXX XXXX. Hmmmm! I am no dummy and neither are my neighbors and we came together again stating this had to be fraud. I called all my creditors, as did they, other than Citibank because all of our calls are going absolutely nowhere, and the people who need to know either don't return their calls, though they said they would within 24-48 hours or the messages never actually get to them because of Citibank 's highly disparate and dysfunctional system where notes and documentation are not forwarded on to the " next link of the chain ''. How would that " next link '' know to ask for this information unless they scurried around to find it? Why wouldn't that WEAK chain link instead place all of the documentation and notes in a central repository only able to be viewed by those that have the authority and therefore not have to " scurry '', receiving partial or no documentation at all after all of their hard work? This has now happened dozens of times with me and many times with the friends I am in contact with that are in the same boat, which because it's Citibank, is taking on a lot of water it appears! So anyway, this " agent '' ( fraudster '' ) state that he was in the process of rebuilding my profile with Citibank and " all '' of my card accounts ( very suspicious ). Second he gave his FULL NAME ( XXXX XXXX ) and seemed very aware of what was going on with me and several others in my area. The full name issue also was very suspicious because up to XXXX XXXX in Citibank 's XXXX, I had been told that last names were not permitted and that all employees had no way to call out, nor did they have an outside email address. This led me and others right back to the Identity theft and we wonder if Citibank is sharing our XXXX ( Data Privacy ) with the outside which would be an extreme regulatory and legal violation.
This is what is going to happen on my side in the coming week or so : 1. My Lawyer
will be sending Citibank a letter via overnight that highlights the major issues, points to the regulations and laws and will attest the fact that I have had nothing but a great relationship with Citibank ( starting with Home Depot ) since XXXX!
The way to remediate this will be as follows
: 1. Citibank is to contact me with a date and time that can be placed on my calendar and my lawyer will be allowed to be present to listen in as I will authorize this. We will then open up a two way discussion and Citibank will discontinue treating me as a criminal. 2. Citibank will be asked to remove all Fraudulent Charges, Fraudulent payments and bounced ACH payments that have not come from any other banks/credit union that I don't have an account with. You may call and verify those facts
with said companies by using my SSN, DOB, Address, etc. In all cases you will find I have not had an account with any, other than XXXX since the XXXX XXXX ( XXXX accounts ) which is likely purged. These payments and " charge backs '' are to be ex-sponged from my credit record on the accounts in question ( XXXX and XXXX XXXX XXXX accounts ) as they have/had nothing to do with me 3. There was a {$7000.00} charge made to my Citibank XXXX account from a " XXXX XXXX XXXX '' merchant and this not only needs to stay removed it has nothing to do with me as well. From my understand, this is a XXXX shop and that's an awful lot of XXXX XXXX to purchase as an individual. Note, I don't XXXX, I don't distribute, nor do I sell any type of XXXX related products. I am deeply concerned that I had to find this and Citibank did not question this " rounded '' dollar charge. Absolute fraud and Citi did a very bad job here!
4. All of my credit card need to be reactivated as soon as all fraud has been removed and my credit limits must be re-established on the following 1. XXXX XXXX XXXX 2. XXXXy 4. Brooks Brothers 5. Home Depot 6. Best Buy 5. All three bureaus are to be contacted immediately and Citibank is to reverse the " Account Closed by Creditor '' statements an place my accounts in excellent standing as they were prior to this mess that began when my laptop was stolen from my XXXXXXXX XXXX Room in XXXX Florida.
You lack of verbal an discussion responses have all been noted and it it now required that this come to a head with restoration of my credit rating and accounts.
What Citibank has done is non-transparent, reprehensible, and immoral It's time to fix this for myself and my family immediately or additional actions will be taken. All other creditors have contacted me and are cleaning this up since, it's convoluted, complex and quite scary for my family to be going through. Again, if I am spoken to as a criminal, I will ensure that is recorded, as it has in the past, and presented to higher state or federal authorities for review that we will subpena Citibank to be present for. In this case, Citibank is in the wrong and unfortunately we, the consumers, are made to suffer due to your inappropriate reactionary ways. You are to be there to protect you consumer, and bottom line, you have not been. Citibank should be embarrassed and I would even say this is press worthy so that all can see what the bank has/has n't done and what myself, my family and my attorney have gone through to get the appropriate communication this has deserved!
Thank you, XXXX XXXX XXXX
|
| 07/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Citi has offered a completely false accounting, and dare I say fraudulent account of all that happened here. They only misstated " your account '' when discussing ACH payments ( none of these accounts were mine. They are stating that I called in authorizing any of these payment, never mind the Cigar $ XXXX payment, and finally they applied items back to my accounts that are absolute fraud and I was proven to be out of town CITI - THIS IS CALLED ID THEFT, ACCOUNT TAKE OVER, FRAUD, AND ACH PAYMENT FRAUD. YOU ARE WRONG AND YOU EVEN DISCUSSED A PAYMENT COMING FROM " YOUR ACCOUNT '' THAT DID NOT IN ANY WAY SHAPE OR FORM. ON TOP OF THAT'S NOT EVEN A PAYMENT THAT WAS MADE. ALL THIS LETTER HAS DONE HAS PROVEN HOW INEPT YOUR SYSTEMS AND DOCUMENT TRACKING ARE. HOW INEPT YOUR INVESTIGATORS ARE. IF THIS CAME FROM AN EXCUTIVE UNIT YOU SHOULD BE EMBARRASED BECAUSE ALL OF YOU INFORMATION IS JUMBLED BETWEEN TWO SEPARATE FRAUD RINGS AND YOU HAVE NOT LISTENED AT ALL. THIS LETTER IS INCOMPLETE, DOES NOT ADDRESS BY ONE ACCOUNT AND IS ABSOLUTELY INCORRECT IN EVERY STATEMENT MADE. FINALLY, I NEVER MADE ANY OF THE ACH PAYMENT WHETHER BY PHONE OR ONLINE, I AUTHORIZED EXACTLKY XXXX CHARGES, AND AUTHORIZED NOBODY TO MAKE PAYMENTS ON MY ACCOUNTS. YOU HAVE BEEN DUPED MY FRAUDSTERS AND YOU ARE PINNING THAT ON ME AND MY FAMILY? IS THIS HOW CITI WORKS AND HOW WE ARE 100 % FRAUD PROTECTED. YOU ALSO MENTIONED NOTHING OF MY ID THEFT OR ACCOUTNTAKE OVER FOR THAT MATTER. EVERY OTHER CREDITOR IS RESOLVING THESE ISSUES BUT YOU AND IF THIS IS NOT RESOLVED WE WILL EXPOSE THE TRUTH IN A VERY PUBLIC WAY AND SHOW THAT CITI IS NOT BEING TRANSPARENT, DOES NOT COLLECT INFO FROM CLEINTS PROPERLY, DOES NOT RETAIN THOSE DOCUMENTS PROPERLY, DOES NOT SHARE THEM OR THEIR NOTES BETWEEN DEPARTMENTS THAT RELY ON EACH OTHER AND YOU WANT ME AND MY FAMILY TO PAY FOR YOUR ERRORS AND LACK OF PROTECTION OF MY CREDIT? YOU ARE THE FRAUD NOW AND YOU HAVE ACTED NO BETTER THAN BOTH OF THESE FRAUD RINGS. i WILL PAY ONLY THE BALANCE I HAD DUE BEFORE THESE ISSUES WERE BROUGH TO LIGHT BY MYSELF TO YOU AND I AM FORMALLY ASKING FOR AN ARBTRATION MEETING UNLESS CITI DISCUSSES THIS WITH ME AND WE AGREE THAT MY FAMILY NOR MYSELF ARE AT ANT FAULT. EACH STATEMENT IN YOU LETTER IS A LIE. YOU DON'T APPEAR TO KNOW THE TRUTH AT ALL AND YOUR INVESTOIGATOR IN THE XXXX HAS DONE SUCH A POOR JOB THAT YOU SHOULD BE EMBARRASSED AND WORRIED ABOUT LESSER TRAINED PEOPLE THAN THEM.
I AM ATTACHNG MY EMAILS I SENT EARLIER IN RESPONSE AND I EXPECT A CIVILIZED CALL TO BE SET UP WITH ME EARLY THIS COMING WEEK. IF NOT YOU WILL BE HEARING FROM MY ATTORNEY AND I WILL BE SUING FOR LIBLE, SLANDER, LIES AND FRAUDULENT STAEMENTS MADE BY YOUR XXXX.
PLEASE SEE BELOW AND PLEASE READ ALL OF THE DOCUMENTS I AM SUBMITTING THIS TIME BECAUSE YOU ARE IN THE WRONG WHEN ACCUSING ME AND I WILL HAVE THIS EXPOSED AT A LOCAL AND NATIONAL LEVEL VERY QUICKLY!!!!
You continue to misunderstand everything here!
This is Identity Theft and Account Take over. Someone has stolen my identity and that of my family. I also have not called in to approve any transactions. My phone was " spoofed '', these people had all of my information, and they were calling in as me. As for the charges with XXXX and XXXX XXXX I was in XXXX XXXX and was not even in the US to make these transactions. I could not be in both places at the same time. I have been going through this since early XXXX and now I have found out that our Mailboxes were also broken into in our development and this caused additional fraud in XXXX, etc. As for " XXXX XXXX XXXX '' I never called in about this transactions either and if someone did it was not me. Not only do I not agree with your decision I formally request arbitration at Citi 's expense or I will file suit against your company to ensure I am made whole. Your company screwed everything up here, allowed fraudsters to infiltrate my accounts several times, allowed them to charge on them, verified the transaction with them not me or my family and as for the Cigar company, you did the exact same thing, I never got a call and the only way I knew any of this was my going into my accounts online where I immediately called Citi to advise this is all Fraud and that it had been going since XXXX, having 3 Police reports, filed a notice and locked mine and my families accounts with all three bureaus ( comment there in XX/XX/XXXX ) and I returned home to Texas on XX/XX/XXXX. On the XXXX I realized there was a problem, contacted fraud and started this process. Finally, I have provided you with the itineraries proving when I left and when I returned from XXXX XXXX.
Now I expect proper handling of my accounts and I expect Citi to assist in helping me fight this ID theft, Account Take overs, and various fraud issues coming from it. I have also contacted Citi to let them know I have been getting FAKE calls from those pretending to be Citi and they were fixing my accounts. I even had one today and the person stated his name was XXXX XXXX at XXXX. He did not complete a check as to who I am and therefore is obviously one of the fraudsters out to hurt me and my family. When I called Citi and asked for Fraud " XXXX '' hung up the phone and when I attempted to call him back he did not answer. Please help me find him and prosecute him as I benefited by none of these purchases, payments or bounced ACH payments. Your company allowed a 3rd party to pay on my account and then freed up more credit for them! Nice job NOT protecting a good customer and banker who works to put really bad people running fraud rings and Money Laundering rings away! I am a XXXX and XXXX certified and I go after high level fraud and have for many years. I also have government clearance in the event I need to dig deeper on really bad people. These people are coming after me with a full court press. Everything in you letter is either wrong or quite distorted. Finally, I know nothing of the Cigar Company and if you fund them you are assisting with the fraud.
Once again I am requiring arbitration or I will be following through with a lawsuit so that the courts can see what has really happened. At that time, I will bring in the press that will expose everything I have found along the way with Citi. You are the ONLY company not handling these issues properly and you have made statements that are either untrue or were not me period. As for the ACH payments bouncing, I am not on any of those accounts ( XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX ) and I do not have any accounts with them either. These Fraudsters either called in or made payments online as me because this is Account Take over. They know what I do for work and they are trying to ruin me by ruining my credit relationships.
So there you have it. I am not going to get emotional about this but if Citi doesn't handle this properly, I require an arbitration per your contract, a copy of my signed contracts are to be sent to me, and proof that the person ( s ) who called you were me. They were not! You got sucked in by fraudsters and you are allowing them to win with bad decisions and I expect a phone call from your office if you care to discuss. Otherwise I am enacting my power of arbitration and it that is denied, I am filing suit against Citi ASAP! The treatment you have given to family who has been with Citi since XXXX is not only improper but also disgusting. Please call me at XXXX or email me at XXXX to discuss. I also demand a copy of my signed credit card agreements on the XXXX XXXX, Simplicity, Home Depot and Best Buy Accounts immediately so that I can turn them over to my attorney! This case is cut and dry and I have all of the proof and witnesses to back me up. You have phone calls and falsehoods perpetrated by fraudsters phone calls and actions Also, Please show me this payment on my Citi Simplicity account with the payment of {$7700.00} received on XX/XX/XXXX was returned by your bank. There no such payment that I know of made per your records here and all ACH payments that came from any account other than my Cy-Fair Checking account, ending XXXX ( note I had to make an account change due to that account being taken over too and you received a letter stating as much ) are not from ANY bank, are fraud and Citi allied those payments before and after I told Citi I had these issues. Not only do I refuse to pay all fraudulent charges, I will not take a statement that says any of these other ACH bounced payments came from " your bank '' as written in you letter since I only bank with my credit union. You story is wrong, the payment of {$7700.00} is wrong, Citi allowed fraudsters to infiltrate my accounts, hurt my relationship with you and you have so many parts of your story that are either untrue or that Citi caused itself. I am 100 % fraud protected and I am also going to bring in MasterCard here because Citi is incorrect. I will also show all bank accounts I have and I will prove I don't have any other checking account other than the one ending in XXXX. If you pay the Cigar Company and put that back on me, I will not pay that as well. If you intend to force me into bankruptcy, I will not allow it and I will make sure all of the bad research you have completed is discredited. So you either work with me to remove all fraud, remove all fraud payments ( ACH bounces ), help me regain my identity and help me remove account take over or I am taking this all to the press immediately. So the statements you made are either wrong " your account '', me calling in about the Cigar Company and the {$7700.00} payment ( that was the balance after the fraud on the Simplicity account BTW, not a payment ) as examples, you assume I talked to you agent but did not ( you will need to prove because this had to be the fraudsters ), or that the {$7000.00} you paid to a Cigar Company in Florida without me present or chip being read ( hmm, very strange number don't you think - exactly {$7000.00} should have caused you to call me but it didn't - please prove the call ) is in fact you allowing the fraudsters to defraud me. Citi acted in so many negligent ways and now, if you do not treat me as the good customer I am, you will pay the price in front of an arbitrator, the courts, my witnesses ( in person ), the police ( in person ) and the press. You intend to hurt me by not protecting me and then try to make it worse? Okay! Also, if you sue me that's find as well. Citi will lose and you will be further embarrassed because I will bring regulators in to review every issue and tell the courts their professional opinion. Want to look again at that {$7700.00} payment perhaps on XX/XX/XXXX? I see none that can from my credit union and in fact, I see none that came from anywhere. Please show me this and please provide me the signed agreements of each card so I can show how incredibly wrong Citi is. The more I review your letter, the more errors I find. Again, if you pay the Cigar Company, that's on you because I am writing this now, I did not and would not authorize any such charge. I don't smoke, condone smoking, nor do I own a smoking establishment. Please do show me how I benefited from any such nonsense. You letter has more inconsistencies, incorrect statements, etc. than truth and every portion is full of really bad investigation! I asked your company to help me stop the people who stole my identity and took over my accounts and you didn't even address that most important subject that caused this whole mess, and Citi allowed it all to happen. Shame on you!
I await a call and if there is none I will be going to the XXXX, my Attorney, and the rest of the nation to show how problematic and non-transparent Citi is when dealing with a good, long-term customer that looked for help and you distorted or don't understand anything that has been presented. This is a letter full of lies!
|
| 04/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
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HOME MAIL NEWS FINANCE SPORTS ENTERTAINMENT LIFE MORE Download the XXXX XXXX app XXXX XXXX XXXX XXXX Compose Inbox 999+ Unread Starred Drafts 179 Sent Archive Spam Trash Less Views Show Folders Hide New Folder Saved Atty Gen Back Archive Move Delete Spam Re : Automatic reply : Your Citi Inquiry - XXXX XXXX XXXX Sent XXXX XXXX XXXX To : Citi Executive Response Unit Fri, XXXX XXXX at XXXX XXXX Thank you for your time and efforts to hear my response to your CBFP response to me. I understand that I made this mistake. I am very sorry. It was not intentional. I am extremely stressed that I made this horrendous mistake.
I reviewed my Citi emails. Many junk emails, some confirmations and many auto pay reminders. I did find 2 Citi First emails. I get hundreds of emails and try to watch for what is important and what is junk, Citi junk included. I did not determine these 2 emails as important. Looked like most Citi email junk. I again, am very sorry I missed the payments and emails.
I also went through my bank statements, Citi Double were autopay monthly. My statement does not distinguish accts. Odd amounts to CITI that I do not know were paid to which account.
XX/XX/XXXX {$390.00} XXXX {$730.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1200.00} When I realized my mistake I immediately Paid., Both my accounts are fully paid. You have been made whole with my apologies. My mistake was not intentional and was only late. I do not have voicemail on my phone. Numbers I do not know, I do not answer. I most often go to my computer and search the number calling. Citi Scams are plenty. It is hard to determine scams received y mail, email and phone. This is not something you are promoting but, they reflect your credibility and your customers. Scam phone calls are sometimes alerted on my phone. I either had one of these calls from CITI or I confused it with many others.
Again, I ask forgiveness for this mistake and would very much appreciate your understanding. You are paid in full with no loss of dollars, just time. I explained my XXXX XXXX and the difficulties I suffer and that is no excuse but hopefully a consideration. It is my opinion that America in crisis is not a good time to be focused on money when there is so much death and hardships. Hopefully we can remedy my credit report with an apology and acceptance in the spirit of goodwill and fair.
Have you reviewed my credit report? I try very hard to keep my credit " clean. '' The Citi derogatory report is much more harmful to me than you. I do hope you will make me whole as I have you. There is blame on both sides. Not catastrophic or life threatening. A simple mistake. I hope we can resolve this with my apology. I do not want to take any further efforts but, I will protect myself and my credibility.
I know you do not work with the XXXX but, I have to protect myself. With no response to the XXXX I will consider legal support. I will also have to file a new CFPB complaint. I hope we are able to move on with a not perfect but with goodwill and both of us satisfied.
Apologies!
XXXX XXXX Clever Scam Calls Claim to be Citibank XXXX XXXX Clever Scam Calls Claim to be Citibank | XXXX Protect Yourself from Scams - Citibank Protect Yourself from Scams - Citibank Fraud Center | Protect Yourself from Fraud | Citi.com - Citibank Fraud Center | Protect Yourself from Fraud | Citi.com - Citibank Find out how Citi protects your accounts against identity theft and fraud with useful security tools, customized ...
XXXX XXXX XXXXcitibank Scam Alert : CitiBank Phishing Emails & Phone Calls - AllClear ID Scam Alert : CitiBank Phishing Emails & Phone Calls - AllClear ID XXXX here XXXX with the AllClear Investigation team. Most people are well aware of the variety of phishing scams out ...
XXXX : XXXX On Wednesday, XX/XX/XXXX, XXXX XXXX PDT, Citi Executive Response Unit XXXX wrote : Thank you for contacting Citibank 's Executive Response Unit.
Your communication has been received and will be reviewed with the highest priority.
Please be advised that our business hours are XXXX XXXX to XXXX XXXX. CT, Monday to Friday, excluding holidays.
HOME MAIL NEWS FINANCE SPORTS ENTERTAINMENT LIFE MORE Download the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 999+ Unread Starred Drafts 179 Sent Archive Spam Trash Less Views Show Folders Hide New Folder Saved Atty Gen Back Archive Move Delete Spam Re : Automatic reply : Your Citi Inquiry - XXXX XXXX XXXX Sent XXXX XXXX XXXX To : Citi Executive Response Unit Fri, XXXX XXXX at XXXX XXXX Thank you for your time and efforts to hear my response to your CBFP response to me. I understand that I made this mistake. I am very sorry. It was not intentional. I am extremely stressed that I made this horrendous mistake.
I reviewed my Citi emails. Many junk emails, some confirmations and many auto pay reminders. I did find 2 Citi First emails. I get hundreds of emails and try to watch for what is important and what is junk, Citi junk included. I did not determine these 2 emails as important. Looked like most Citi email junk. I again, am very sorry I missed the payments and emails.
I also went through my bank statements, Citi Double were autopay monthly. My statement does not distinguish accts. Odd amounts to CITI that I do not know were paid to which account.
XX/XX/XXXX {$390.00} XXXX {$730.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1200.00} When I realized my mistake I immediately Paid., Both my accounts are fully paid. You have been made whole with my apologies. My mistake was not intentional and was only late. I do not have voicemail on my phone. Numbers I do not know, I do not answer. I most often go to my computer and search the number calling. Citi Scams are plenty. It is hard to determine scams received y mail, email and phone. This is not something you are promoting but, they reflect your credibility and your customers. Scam phone calls are sometimes alerted on my phone. I either had one of these calls from CITI or I confused it with many others.
Again, I ask forgiveness for this mistake and would very much appreciate your understanding. You are paid in full with no loss of dollars, just time. I explained my XXXX XXXX and the difficulties I suffer and that is no excuse but hopefully a consideration. It is my opinion that America in crisis is not a good time to be focused on money when there is so much death and hardships. Hopefully we can remedy my credit report with an apology and acceptance in the spirit of goodwill and fair.
Have you reviewed my credit report? I try very hard to keep my credit " clean. '' The Citi derogatory report is much more harmful to me than you. I do hope you will make me whole as I have you. There is blame on both sides. Not catastrophic or life threatening. A simple mistake. I hope we can resolve this with my apology. I do not want to take any further efforts but, I will protect myself and my credibility.
I know you do not work with the XXXX but, I have to protect myself. With no response to the XXXX I will consider legal support. I will also have to file a new CFPB complaint. I hope we are able to move on with a not perfect but with goodwill and both of us satisfied.
Apologies!
XXXX XXXX Clever Scam Calls Claim to be Citibank XXXX XXXX Clever Scam Calls Claim to be Citibank XXXX XXXX Protect Yourself from Scams - Citibank Protect Yourself from Scams - Citibank Fraud Center | Protect Yourself from Fraud | Citi.com - Citibank Fraud Center | Protect Yourself from Fraud | Citi.com - Citibank Find out how Citi protects your accounts against identity theft and fraud with useful security tools, customized ...
XXXX XXXX XXXXcitibank Scam Alert : CitiBank Phishing Emails & Phone Calls - AllClear ID Scam Alert : CitiBank Phishing Emails & Phone Calls - AllClear ID XXXX here XXXX with the AllClear Investigation team. Most people are well aware of the variety of phishing scams out ...
XXXX : XXXX On Wednesday, XX/XX/XXXX, XXXX XXXX PDT, Citi Executive Response Unit XXXX wrote : Thank you for contacting Citibank 's Executive Response Unit.
Your communication has been received and will be reviewed with the highest priority.
Please be advised that our business hours are XXXX XXXX to XXXX XXXX. CT, Monday to Friday, excluding holidays.
HOME MAIL NEWS FINANCE SPORTS ENTERTAINMENT LIFE MORE Download the XXXX XXXX app XXXX XXXX XXXX XXXX Compose Inbox 999+ Unread Starred Drafts 179 Sent Archive Spam Trash Less Views Show Folders Hide New Folder Saved Atty Gen Back Archive Move Delete Spam Re : Automatic reply : Your Citi Inquiry - XXXX XXXX XXXX Sent XXXX XXXX XXXX To : Citi Executive Response Unit Fri, XXXX XXXX at XXXX XXXX Thank you for your time and efforts to hear my response to your CBFP response to me. I understand that I made this mistake. I am very sorry. It was not intentional. I am extremely stressed that I made this horrendous mistake.
I reviewed my Citi emails. Many junk emails, some confirmations and many auto pay reminders. I did find 2 Citi First emails. I get hundreds of emails and try to watch for what is important and what is junk, Citi junk included. I did not determine these 2 emails as important. Looked like most Citi email junk. I again, am very sorry I missed the payments and emails.
I also went through my bank statements, Citi Double were autopay monthly. My statement does not distinguish accts. Odd amounts to CITI that I do not know were paid to which account.
XX/XX/XXXX {$390.00} XXXX {$730.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1200.00} When I realized my mistake I immediately Paid., Both my accounts are fully paid. You have been made whole with my apologies. My mistake was not intentional and was only late. I do not have voicemail on my phone. Numbers I do not know, I do not answer. I most often go to my computer and search the number calling. Citi Scams are plenty. It is hard to determine scams received y mail, email and phone. This is not something you are promoting but, they reflect your credibility and your customers. Scam phone calls are sometimes alerted on my phone. I either had one of these calls from CITI or I confused it with many others.
Again, I ask forgiveness for this mistake and would very much appreciate your understanding. You are paid in full with no loss of dollars, just time. I explained my XXXX XXXX and the difficulties I suffer and that is no excuse but hopefully a consideration. It is my opinion that America in crisis is not a good time to be focused on money when there is so much death and hardships. Hopefully we can remedy my credit report with an apology and acceptance in the spirit of goodwill and fair.
Have you reviewed my credit report? I try very hard to keep my credit " clean. '' The Citi derogatory report is much more harmful to me than you. I do hope you will make me whole as I have you. There is blame on both sides. Not catastrophic or life threatening. A simple mistake. I hope we can resolve this with my apology. I do not want to take any further efforts but, I will protect myself and my credibility.
I know you do not work with the XXXX but, I have to protect myself. With no response to the XXXX I will consider legal support. I will also have to file a new CFPB complaint. I hope we are able to move on with a not perfect but with goodwill and both of us satisfied.
Apologies!
XXXX XXXX Clever Scam Calls Claim to be Citibank | XXXX Clever Scam Calls Claim to be Citibank | XXXX Protect Yourself from Scams - Citibank Protect Yourself from Scams - Citibank Fraud Center | Protect Yourself from Fraud | Citi.com - Citibank Fraud Center | Protect Yourself from Fraud | Citi.com - Citibank Find out how Citi prote
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| 05/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Credit Card issuer : Citibank MasterCard Phone number : XXXX Dispute ID 's : XXXX for {$52.00} and Dispute ID : XXXX for {$83.00} Background : XXXX is a movie subscription service similar to XXXX which offered customers X amount of movies to watch per month depending on which plan was chosen. Unfortunately, like XXXX, XXXX began to cheat its subscribers and cancel memberships for bogus reasons without proof and without providing refunds for the unused months. They also added fees for which they never mentioned on their website prior to buying their service. And here is the kicker : they recently implemented a requirement whereby they wanted subscribers to send them a picture of them holding their Drivers License up to their face otherwise they would be banned from using their services-> services for which their customers already paid up-front for a year in advance. I discovered from reading online articles that XXXX implemented that last Draconian requirement because they were on the verge of bankruptcy and were trying to stop bleeding money. XXXX has no phone number for customer support, only email, BUT and they never send correspondence. About a few weeks ago, they went out of business and nothing on their site has mentioned anything about refunding monies back to their subscribers. I was actually quite surprised by the lack of service from my credit card company in disputing the charges I had with XXXX. In fact, it seems as if they are going out of their way to make sure that any disputes against XXXX is found in favor of XXXX and not the cardholder, even though XXXX has clearly been fraudulently canceling accounts without refunds and clocking access to their app unless photo ID 's are sent in to them. I am seeking your help to make Citibank do the right thing and enforce cardholder protections against unscrupulous companies or businesses such as XXXX. Below are details of my disputes : XX/XX/XXXX- XXXX offered a Holiday special rate of {$83.00} for 1 year, paid upfront XX/XX/XXXX- I bought a DIGITAL ( non-physical ) gift card as a gift in the amount of {$52.00} XX/XX/XXXX- I barely used my XXXX membership ( I think I saw 2 or 3 movies prior to XX/XX/XXXX ) to go to the movies and today, when I decided to see a movie, the XXXX app BLOCKED my purchase of a ticket until I sent them 1 ) a picture of my Drivers License and 2 ) A picture of me holding the Drivers license up to my face! I come to find out that XXXX is in XXXX. There was no way I was going to submit to them such personal information as they are in a foreign country and I don't know of any existing privacy laws in XXXX. Note that when I signed up with XXXX, there was nothing about this draconian requirement and in fact, I was able to use the app prior to this with no problems. Them requiring face/Drivers license was something they recently adopted.
-I called Citicards and to dispute both the {$83.00} and {$52.00} digital gift card. Note that I NEVER redeemed the gift card. I was not going to give it as a gift if XXXX required my friend to send to them him holding his Drivers License up to his face. I told the Citibank agent that I wanted to dispute the 2 charges because XXXX was preventing me from using their services for WHICH I PAID UPFRONT FOR nor was I going to give gift card to my friend because of this new " requirement '' they just put in place. The Citicard agent asked if I had canceled my service with them and I said I would do it right after we hung up. I went to the XXXX website and canceled my membership. Its very important to note that I received no confirmation email about the cancellation nor did it say anything on the webpage. After clicking the button, it took me directly back to the XXXX homepage. Citicard then credited my account the 2 respective dollar amounts mentions above.
-Unbeknownst to me, I come to find out later on that the Citicards agent put down that I canceled service with XXXX as the reason for the dispute instead of the reason I gave which was that XXXX was not providing me with a service for which I paid for.
Citicards records conversations and so it will be easy for them to go back and replay my conversation with the agent that I spoke with when I called to dispute the 2 charges.
XX/XX/XXXX- I received Citibank correspondence ( I have to log into my Citicards account to view it ). They wrote to inform me that XXXX responded back in regards to the {$52.00} and sent an attachment from them. The attachment was an impossible to read PDF document. the correspondence said that the case would be closed and not in my favor unless I could provide them with proof of cancellation!
XX/XX/XXXX- ( Citicard sends out emails whenever there is an email communication from them on their website. Unfortunately, the emails are 4-5 days late in coming ) I called Citicards and asked why they did not find in my favor. I told them that I could not provide proof of cancellation because I NEVER REDEEMED the digital card. I couldn't cancel something that I never used. The agent said that in the unreadable PDF from XXXX, they were contesting the charge-back because in their terms and conditions, gift card sales were final with no refunds. I told the agent that such terms were NOT listed anywhere on their site when I went to look at the gift cards nor when I was about to purchase the gift card. The fact that gift cards are non-refundable would be something very important that a legitimate company would disclose to consumers, right?? It wasn't. I told the agent I would be sending in proof of this in an email.
-I sent to the Citicards disputes department 2 emails : 1 ) regarding XXXX as a whole with links as to their shady business practices and 2 ) proof that on their giftcard website, there is absolutely no mention of the cards being non-refundable.
XX/XX/XXXX- I received Citibank correspondence however, my email notification of it was not sent until days later. In the correspondence, it stated that the case for {$52.00} was closed because I did not send them any proof of cancellation.
XX/XX/XXXX- I called Citibank and told them I sent the disputes department on XX/XX/XXXX an email which he checked and said was received. I told him I wanted the dispute of the {$52.00} charge re-opened. I told him XXXX HAS CEASED OPERATIONS IN THE USA.The agent said he would send the disputes personnel a note about this and that I have sent them email correspondence.
-THIS IS VERY IMPORTANT. XXXX IS NO LONGER DOING BUSINESS IN THE USA. WHEN YOU GO TO THEIR WEBSITE, THERE IS A STATEMENT FROM THEM SAYING SO. HOWEVER, THERE IS NOTHING THERE THAT SAYS THEY WILL BE REFUNDING BACK MONIES TO PEOPLE WHO BOUGHT THEIR SERVICES UPFRONT FOR 1 YEAR. Very shady of them, something a legitimate company would never do. I sent Citibank screenshots of this in a Word document. Because XXXX shut down, I thought my 2 disputes would be an open and shut case in my favor, but I thought wrong.
XX/XX/XXXX- I received Citibank correspondence however, my email notification of it was not sent until days later. In this correspondence, Citibank asked if I had proof that XXXX agreed to credit my account the amount of {$52.00}. Here is the problem : XXXX has NO CUSTOMER SERVICE PHONE NUMBER. THEIR SUPPORT IS ONLY VIA EMAIL AND THEY NEVER RESPOND TO INQUIRIES!!! So no, I did not receive any communication from XXXX nor will I ever will as it is not in their business practice to do so.
XX/XX/XXXX- I called Citicards Disputes and spoke with XXXX . She was very unprofessional and pretty much said that because the 2 disputes were filed as being cancelled by me for the dispute reason, and I provided no proof of cancellation, then both disputes would not be in my favor. i told her that when I originally spoke with the agent ( note that he was an OVERSEAS agent whose understanding of English may not have been up to par ) I told him I was disputing the charges due to XXXX not providing me with the service I paid for. I told her that the agent asked later on if I had cancelled my subscription with XXXX and I said that I would after we finished talking. I told XXXX that I did cancel and that they sent me no verification email. I told her this is how XXXX does business. I also told her that XXXX was no longer doing business in the USA but she said that didn't matter. What????? She said that many other Citibank customers were calling in and disputing charges from XXXX. I believe that Citibank is purposefully making it difficult for their customers to get charge-backs on their cards because they would lose money. She was not helpful at all.
XX/XX/XXXX- I received Citibank correspondence however, my email notification of it was not sent until days later. In the correspondence, it stated that the dispute for {$83.00} was closed and NOT IN MY FAVOR because of the correspondence sent to them by XXXX. They also included said correspondence as a PDF. I looked at it and had to laugh because there was NOTHING in it that proved their case agaisnt me. It was basically the days I sued the app and a 1 page literature on the company!
XX/XX/XXXX - I called Citibank Disputes and spoke with XXXX and asked why the {$83.00} charge was reversed back to me. She looked at XXXX 's correspondence and agreed that it provided no details. She asked if I received a cancellation notice from XXXX and I said no and that XXXX never sends email correspondence. I told her that XXXX, even though they are out of business, has hired a firm to DISPUTE ALL CHARGES!!!! She said to send in an email to the disputes department stating that I cancelled and that XXXX never sent me a response back. I asked about the status of the {$52.00} dispute and she said that I had been given a temporary credit of that amount as they are reviewing the dispute again.
-I sent Citibank Disputes an email with a Word attachment.
CFPB personnel, I need your assistance in this matter. It seems as if Citibank is purposefully trying to deny legitimate dispute claims against XXXX because it would cost them too much money. I have never been put through such a painful and stressful process in disputing claims before, until now. Citibank is trying everything in their power to deny any claims against XXXX. I want to point out some important notes below : 1 ) When I called to originally dispute the 2 charges of {$52.00} and {$83.00}, I told the agent that I wanted to cancel because XXXX was blocking me from using their services for which I had paid for upfront ( you buy their year-long subscription plan ) 2 ) XXXX HAS NO PHONE NUMBER. Everything is done via email and THEY NEVER GET IN CONTACT WITH YOU. NEVER.
3 ) XXXX is no longer doing business in the USA. And as such, their subscription service and gift cards are no longer available to the people who purchased them. Therefore by his very fact, all disputes should go in favor of the customer and Citibank ( actually all credit card companies who did business with XXXX ) would refund customer 's monies back to them as provided by the credit cards protections for their cardholders.
4 ) I did cancel my membership with XXXX BUT they never sent me a cancellation email. This is how shady XXXX is. They prevent people from canceling and you can never contact them because they have no phone number and they never write back using email 5 ) Citibank sends out Cit-correspondence which can only be read when you log into your account. They send out advisory emails that there is Citi-correspondence, however, these emails are sent out about 4 days later and NOT on the date the Citi-correspondence was sent.
6 ) Currently, my 2 disputes are pending with both being denied and me re-opening them
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| 07/10/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Citibank NA XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : XXXX Citibank Client Care : In regard to Citibanks letter dated XX/XX/XXXX ( see attached ) responding to my request to verify and validate the alleged outstanding balance on a checking plus account and provide the origination documents related to same, I hereby notify Citibank that I seek to challenge the research results which were furnished by Citibank with respect to this investigation and I refuse to accept same for the following reasons : 1. During the investigation period Citibank willingly violated the Fair Credit Billing Act of 1974, which is federal law designed to protect consumers from unfair credit billing practices. Specifically the credit issuer ( Citibank ) has 30 days to acknowledge receipt of a complaint. They then have two billing cycles to complete their investigation ; during that time the issuer is not allowed to try to collect the payment, or charge interest on it, { emphasis added } however during the investigation period on XX/XX/XXXX Citibank unlawfully charged my ( allegedly valid ) checking plus account {$24.00} interest fees, this attempt is unlawful on its face according to the Fair Credit Billing Act for the reasons stated above and should be retracted and remedied accordingly. Again on XX/XX/XXXX I was charged another {$23.00} of interest during the investigation period. All of my attempts to clear this up in branch were met with helplessness and confusion by the Citibank bankers in the branch location I reached out to.
2. Furthermore under the Fair Credit Billing Act of 1974 If the credit issuer finds that the disputed payment was invalid, it must correct the error and refund any fees or interest charged as a result. If it finds there was no error, it must explain its findings and, upon request, provide documentation to back them up. Consumers can challenge the results of the investigation within 10 days, at which point the issuer must add a note to the charge. { emphasis added } Moreover under the evidence offered by Citibank the Truth in Lending Act ( TILA ) which is federal law enacted in 1968 to help protect consumers in their dealings with lenders and creditors has also been violated. The TILA was implemented by the Federal Reserve Board through a series of regulations. Some of the most important aspects of the act concern the information that must be disclosed to a borrower prior to extending credit, such as the annual percentage rate ( APR ), the term of the loan and the total costs to the borrower. This information must be conspicuous on documents presented to the borrower before signing. { emphasis added } I will note that during my initial request to verify and validate the debt, I specifically requested that Citibank provide the origination documents supporting the legitimate and lawful opening of the checking plus account in dispute, under investigation and currently being challenged by the consumer in this case the complainant, to wit ; the documents which were produced by Citibank ( see attached ) show that an account was opened on XX/XX/XXXX however curiously the documents provided by Citibank that bear my signature fail to make any statement or disclosure that a credit product was being extended, incredibly the initial spaces on alleged reverse sides of both of the account opening statements are blank and not sworn or subscribed to by the consumer in this instance, clearly representing that the consumer was not provided with adequate disclosure required under TILA this is a violation of the provisions under the truth in lending act. Instead Citibank alleges that the account was opened via phone however this was false as I was present for the checking account opening on XX/XX/XXXX however I was never provided the required disclosures to open a valid credit product on that date.
Therefore the alleged checking plus account was opened under false pretenses without consumer/complainants explicit authorization and therefore should be rendered a nullity to remedy and balance the inequities Citibank has caused in this situation with respect to violation of myriad of consumer rights under the Fair Credit Billing Act and the Truth in Lending Act. *A false representation can occur when the wrongdoer ( Citibank in this situation ) says or does nothing. This is the case when someone knowingly conceals information that the victim should be made aware of, in this case the failure of the banker to obtain consumers initial on the reverse disclosure of the account opening card constitutes the false representation supporting false pretenses about the material fact that a credit line was being authorized. A material fact for example alerting the consumer that a credit facility would be would be authorized is important to the victim in the decision-making process and in this case the consumer was deprived of that very protection, not to mention APR and total costs to borrower were patently omitted within the scant evidence provided purporting to show account origination documentation executed by said consuemr.
3. Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. This prohibition applies to all persons engaged in commerce, including banks. The Federal Reserve Board has affirmed its authority under section 8 of the Federal Deposit Insurance Act to take appropriate action when unfair or deceptive acts or practices ( UDAP ) are discovered. The FTC Act prohibits unfair or deceptive acts or practices. Congress drafted this provision broadly in order to provide sufficient flexibility in the law to address changes in the market and unfair or deceptive practices that may emerge.
4. An act or practice may be found to be unfair where it causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers themselves and not outweighed by countervailing benefits to consumers or to competition. I have suffered injury as result of Citibanks deception related to its checking plus product and this injury has not been outweighed by countervailing benefits, quite to the contrary Citibank checking plus product forced the complainant to accept a scheme that subjects consumers to unfair and deceptive practices resulting in near usury rates of interest without prior notification and disclosure to a reasonably prudent person 5. A representation, omission, or practice is deceptive if it is likely to mislead a consumer acting reasonably under the circumstances and is likely to affect a consumers conduct or decision regarding a product or service. The omission of my initials on the back of the evidence furnished by Citibank is Res ipsa loquitur as the omission speaks for itself.
6. An act or practice may be found to be unfair where it causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers themselves and not outweighed by the if it is likely to mislead a consumer acting reasonably under the circumstances and is likely to affect a consumers conduct or decision regarding a product or service. How much in total dollar value did Citibank bill the complainant in interest charges over the life of the course of the checking plus relationship?
7. The standards for unfairness and deception are independent of each other. While a specific act or practice may be both unfair and deceptive, an act or practice is prohibited by the FTC Act if it is either unfair or deceptive. It is clear to a reasonably prudent person that Citibank has engaged in deception with respect to the checking plus line of credit in this particular situation.
8. Assessing whether an act or practice is deceptive A three-part test is used to determine whether a representation, omission, or practice is deceptive. First, the representation, omission, or practice must mislead or be likely to mislead the consumer. Here the Citibank provides self incriminating direct evidence confirming the consumer has been mislead by way of material omission. Second, the consumers interpretation of the representation, omission, or practice must be reasonable under the circumstances, the reasonable nature of the consumers concerns is undisputed by the facts offered as defenses by citibank. Lastly, the misleading representation, omission, or practice must be material. Each of these elements is discussed below in greater detail.
9. There must be a representation, omission, or practice that misleads or is likely to mislead the consumer. The lack of disclosure & initials of consumer on the back of the signature card confirm this omission was material and mislead the consumer in this instance.
10. An act or practice may be found to be deceptive if there is a representation, omission, or practice that misleads or is likely to mislead the consumer. Deception is not limited to situations in which a consumer has already been misled. Instead, an act or practice may be found to be deceptive if it is likely to mislead consumers. A representation may be in the form of express or implied claims or promises and may be written or oral. Omission of information may be deceptive if disclosure of the omitted information is necessary to prevent a consumer from being misled. Citibank engaged in a text book case of deceptive omission in the instant case 11. The act or practice must be considered from the perspective of the reasonable consumer. It is at present uncontested that subject consumer represent a reasonable consumer.
12. If a representation conveys two or more meanings to reasonable consumers and one meaning is misleading, the representation may be deceptive. Moreover, a consumers interpretation or reaction may indicate that an act or practice is deceptive under the circumstances, even if the consumers interpretation is not shared by a majority of the consumers in the relevant class, so long as a significant minority of such consumers is misled. Here a failure of the banker to provide and allow for complete disclosure of the checking plus product satisfies this element deception.
13. In evaluating whether a representation, omission or practice is deceptive, the Agencies will look at the entire advertisement, transaction, or course of dealing to determine how a reasonable consumer would respond. Written disclosures may be insufficient to correct a misleading statement or representation, particularly where the consumer is directed away from qualifying limitations in the text or is counseled that reading the disclosures is unnecessary. Likewise, oral disclosures or fine print may be insufficient to cure a misleading headline or prominent written representation. In this matter a banker thought it not necessary to disclose the required elements of a credit facility unknowingly furnished unto the complainant.
14. The representation, omission, or practice must be material.
15. A representation, omission, or practice is material if it is likely to affect a consumers decision regarding a product or service. In general, information about costs, benefits, or restrictions on the use or availability of a product or service is material. When express claims are made with respect to a financial product or service, the claims will be presumed to be material. Similarly, the materiality of an implied claim will be presumed when it is demonstrated that the institution intended that the consumer draw certain conclusions based upon the claim. Citibank purposefully and knowingly omitted important details on costs, benefits, or restrictions on the use or availability of the checking plus product.
|
| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Older American |
|
I opened a secured credit card account with CITIBANK, N.A., on XX/XX/XXXX for {$200.00}, which was debited from my person checking account.
It was exactly 8 weeks before I received my card after making my initial deposit to them in XXXX, XXXX. The first red flag.
I always paid my balance off before the due date and always paid over my minimum payment due. I would usually pay off the entire balance owed.
However, after 8 months of nothing but problem after problem, with using the credit card that was issued to me, spending more time on the phone with them ( than I spent on myself ), always having to calls for discrepancies in my balances, amounts credited to my account, just always some errors or issues and got to be too mentally drained. I only got the card to build my credit. And the fact that I sent all my payments thru XXXX XXXX, electronic bill pay, which the creditor receives payment in minutes, not weeks! The recorded ordeal you need to go through to speak to a human was a 45 minute wait, on any given day or night and the fact that Citibank would not credit my account for 10-15 days after receiving my payment.
After the third card they sent would not work, as the previous two, I was told to " try ordering online ''. That was their answer on how to resolve the issue that none of their cards worked at any store, ATM, etc. 3 cards, within 6 months. Not one single ATM. That day, I told the girl, who had such a heavy accent I could not understand what she was saying but did understand that she kept telling me it was the 120 credit card machines I had tried to use the card at, that were defective, not their cards. I decided to close the account, that day.
I phoned the customer service on XX/XX/XXXX and inquired about a {$100.00} payment I submitted on XX/XX/XXXX, that was not credited yet to my account.
After being told that my Agreement stated that credits could take up to 10-15 business days to credit to my account, I told the representative to close my account and send me back my money.
She stated that : 1 ) I had to have a XXXX balance in order to close my account. Since my Payment had not been credited, I told her I would call her back when it was added to my account.
Upon receiving XXXX 's statement, my balance I owed was {$100.00} and was not due until XX/XX/XXXX.
I submitted the payment on XX/XX/XXXX for {$100.00}.
On XX/XX/XXXX, I checked my balance and it now showed I owed {$130.00} and no sign of the {$100.00} payment I made on XX/XX/XXXX. They had charged me {$29.00} late fee and where the {$2.00} came from, who knows? This was a normal statement I received from them each month. I called and argued about the {$29.00} late fee because the minimum payment due was {$35.00} and was due on XX/XX/XXXX. I sent payment on XX/XX/XXXX, by electronic check but conveniently was not credited until XX/XX/XXXX. Therefore they could charge me {$29.00} late fee.
Again, I called customer service and a phone message read they would be closed until XX/XX/XXXX.
I then went to the XXXX XXXX and sent a detailed message ( via email ) regarding the above and indicated, again, that once my payment of {$100.00} is credited, to " close my account ''.
On XX/XX/XXXX, I phoned Citibank, yet again inquiring about different balance amount and where was my {$100.00} payment at. I was told that, " the payment I made in the amount of {$100.00}, was being held due to a checking account that I had linked to my credit card account was overdrawn.
I about flipped out. I explained to him that there were NO checking accounts linked to that credit card and that there must be some mistake because I never opened a checking account nor funded any checking about affiliated with Citibank, ever!
I then asked to speak to his supervisor. This was the rudest, unprofessional, person I ever spoke with. He literally was screaming at me telling me that the payment I made for {$100.00} will not be released until I bring the checking account balance to XXXX.
I told him I would do no such thing because I never opened the account. He said " then your account will never be credited '' and slammed the phone down and hung up on me.
I called back and told a different gentleman to credit my account with my last payment I made, close my account and return my initial money to me that I was done and horrified at what had just occurred.
I immediately followed it up with another email stating what occurred and to close my account, return my deposit and I was done with their company.
I then received an email the following day for a checking account they said I opened. The account was overdrawn because there was no money ever deposited into the account and they charged me a {$15.00} monthly service fee and since there was never any money funded into this alleged checking account, they then charged me a {$34.00} fee for not having the {$15.00} service fee in the account, which indicated I now owed {$49.00} for an account I never opened, signed for, never received any documentation for and never funded.
I again called the following day, XX/XX/XXXX, when I filed a Complaint with the CFPB for not crediting my payment.
That was the top of the iceberg. I never received another thing from Citibank, no email, no paper mail until XXXX, XXXX.
I received a XXXX Notice from XXXX XXXX indicating I now owed Citibank {$260.00}?
Again, I called Citibank and after a 136 minute phone call, I was told that it was sent in error and that I should be expecting my deposit within 4 weeks.
I contacted a different branch about the alleged checking account and was told the account would be closed, I would not be charged and she would close my credit card account and refund my {$200.00} and should receive the deposit in 4-8 weeks. This was XX/XX/XXXX.
After being assured this " collection was in error '', I again waited for my deposit.
On XX/XX/XXXX, I called XXXX XXXX about switching auto insurance. The gentlemen quoted me an unusually high quote. I then asked him why was it so high, he replied because of my poor credit ( FICO ) score.
After hanging up, I checked my credit score and I went from a 702 credit score to a 423.
Citibank had recorded my credit card as non payment for 6 months, was a " charge off '' and was closed due to non-compliance and non payment!
How can they destroy an innocent person 's credit for falsely making such untruth statements.
I closed that account and have several emails to Citibank proving they received it. The {$100.00} payment I made on XX/XX/XXXX, was NEVER credited to my account. They took the {$130.00} they said I owed and continued to keep my account opened and charged me {$49.00} each month for " late fees '' which gave me a total of {$260.00}. Why they stopped there and aren't still charging me, who knows.
Also, I checked with XXXX and the " charge off '' was made by Citibank a week after I filed my complaint with your offices.
The letter that they responded and you enclosed for my review, was nothing but lies.
They did not honor what they agreed to do to resolve this matter but instead, stole my payment of {$100.00}, did not close my account as requested 3 times, the last time on XX/XX/XXXX and also intentionally kept the account opened to run up the fees to where I owed them money.
The letter, which by the way I never received but had to get a copy from the CFPB, from Citibank reflected that my ending balance was {$230.00} with a minimum payment due of {$100.00}, which they state was credited to my balance. That is a complete false statement. They indicate they received the payment, however, there are no statements from XXXX through XXXX that indicates that payment was credited. In fact, I have enclosed copies which I received from Citibank of my XXXX 's I XXXX statement, my XX/XX/XXXX statement which indicates I owed {$130.00}, not crediting my {$100.00}.
When and what date was the {$100.00} payment credited to my account? They didn't have any record of it and I was told it was being held to cover the overdrawn " phony '' checking account I never opened or funded or authorized.
Citibank also advised that the " checking account '' that was mysteriously opened by a ghost, would be addressed under a separate cover. I never heard or received any additional correspondence from Citibank after last receiving my XXXX statement.
As I said, I never knew it was sent to collections nor did I have any knowledge that Citibank scorned my credit by keeping my account opened after 3 emails and numerous calls I made prior to XX/XX/XXXX to CLOSE MY ACCOUNT but refused to do so and kept charging me. I have statements where in XXXX I still owed {$130.00}, no credit of the {$100.00}. XXXX, no statements were found, XXXX statement they said I owed {$320.00} and minimum payment of {$290.00} was due. Then the statement the collection agency sent me indicated I now owed {$260.00} and {$260.00} was due.
Where in the world do they come up with these amounts. And who does their billing? Every month it was like that. A jigsaw puzzle that you had to take out all the pieces and put them all together and every month, their amounts were " over '' charging me and used the " oh, your payment wasn't credited to your account '', which explains their tactic for holding onto a payment for 2 weeks, just to mess up the billing to overcharge and intentionally device the consumer, " me ''. I will try to upload all the copies because I have copies of every email, logged down every phone call and have even ordered my call logs from my mobile service provider for the months of XX/XX/XXXX through XX/XX/XXXX, which indicate the hours upon hours I was on the phone with this company. My emails however, are my hard proof.
There was no reason why they did not honor my written request to close my account and was no reason, except malicious intent, to leave it open to accrue bogus charges.
My account was paid in full and had a XXXX balance. Not to mention the identity theft and/or criminal acts to open a fictitious checking account then place fees on it, all to hold a payment I made?
There is not one thing that was legal, ethical or morally right in the way that they handled my account and makes me weary of what information they have and if they can damage my credit score in a drop of a hat, I hate to think what else these people are capable of. I have filed complaints with the proper credit bureaus and filed an identity theft report with the XXXX XXXX XXXX Attorney 's office in reference to this checking account I never opened.
Needless to say, I have NEVER received my {$200.00} and now I am not only going to file a Complaint with every Federal Agency, but will retain an attorney and sue them for damages they have done to my credit report, along with the money they owe me and other punitive damages that I am more than entitled to.
In my opinion, this company is corrupt at the highest level and should be banned from being able to harm and damage anybody 's credit score. They destroyed my credit score so badly, I couldn't get a {$.00} loan for a stick of gum and it was done with malicious intent to where they could destroy my credit and not have to pay me what they owe me which is the highest level of fraud, deceit, corrupt, unethical and unprofessional business practices and should be shut down for good. I have never in my life dealt with such corrupt practices.
I already filed a false reporting against Citibank with every Credit Agency, XXXX, XXXX, etc., But have not heard anything back as of the date of this filing of this " new '' complaint.
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| 09/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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|
Web |
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I recently opened XXXX accounts with Citibank ( per direct solicitations from Citibank ) and, when paying my credit card on Saturday, XX/XX/XXXX, just happened to learn that my accounts are in the " process '' of being closed which can take up to 60 days. Upon finding out today, that after their review, Citibank will, in fact, be closing my accounts due to how the funds were obtained by Citibank. I was told that I will have to wait for a check, which could take up to 60 days. I have requested that the funds me made immediately available, as the account has been under review and the funds were made unavailable since Tuesday, XX/XX/XXXX. Below is the email that I sent to Citibank on Monday, XX/XX/XXXX. Additionally, the Requisition Number with Citibank for the claim that I filed with their Executive Response Unit is : XXXX. The analyst 's name is : XXXX, who told me is as high as I can go with Citibank, and that she reports to XXXX XXXX. [ Citibank 's XXXX XXXX XXXX 's phone number is : ( XXXX ) XXXX, and XXXX 's direct phone number is : ( XXXX ) XXXX. ] This purpose of this email is to file/register a formal complaint regarding the bait-and-switch scheme that I fell victim to that was entirely initiated by Citibank. The following explains why I believe the actions by Citibank are unethical and deceptive and I would like this resolved immediately.
On Saturday, XX/XX/XXXX, I signed on to pay my Citibank credit card. When I signed on, the XXXX deposit accounts ( both a checking and savings accounts ) were just gone. It took well over four ( 4 ) hours on the phone between hold time, being transferred and hung up on to learn that I am considered a fraudster by Citibank simply for funding new accounts via XXXX systems/options. The follow couple paragraphs explain the events that lead to what was explained to me by XXXX in the Fraud Department I have been a Citibank credit card account holder since XXXX. On XX/XX/XXXX, after paying my Citibank credit card via my Citibank online account, I was invited to open a savings account, which had a promotional offer - I believe part of the promotion was to open, fund and maintain at least {$30000.00}. I decided to open the savings account at that time. As part of the account opening process, I was then offered the option to transfer money electronically to fund the newly opened savings account, all of which was through Citibank technology. When setting up the initial transfer of {$30000.00} on Thursday, XX/XX/XXXX, I realized that there was a limit of {$10000.00} per transfer, so I attempted to set up three transfers : The first one on Friday, XX/XX/XXXX ( Citibank XXXX Number : XXXX ) XXXX, the second for Monday, XX/XX/XXXX ( Citibank XXXX Number : XXXX ) XXXX and the third for Tuesday, XX/XX/XXXX ( Citibank XXXX XXXX : XXXX ) XXXX, again by using the channels offered to me by Citibank. I was actually surprised, and somewhat impressed, when Citibank suggested debiting the money to fund the new Citibank savings account from my XXXX XXXX checking account, which is the exact account that I have been paying my Citibank credit card from for a number or years now.
On or about XX/XX/XXXX, I realized that all three transfers had not gone through as the balance in my new Citibank savings account was only {$10000.00} and the remaining {$20000.00} had not yet been debited from my XXXX XXXX checking account. I called into Citibank customer service to figure out why ALL of the transfers did not go through. The representative confirmed that only the first transfer of {$10000.00} took place, and that the additional two transfers were not completed. He could not explain why second and third transfer requests were canceled, but did reconfirm that they did not go through. He then explained how to transfer funds to the new savings account by using a different option/feature available in my Citibank online banking account, which I immediately used, transferring the remaining $ XXXX. I was finally able to bring the balance in my Citibank savings account to {$30000.00}. Everything seemed to be fine and well as I noticed interest had successfully posted to this account when I later signed onto my Citibank online banking account.
In XXXX, I received a promotional offerXXXX in the mail to become a Citibank checking account customer as well. The promotion that was directly mailed to me by Citibank, with a promotion code ( Citibank Invitation Number : XXXX ) XXXX, solicited a bonus of up to {$2000.00} if {$300000.00} and above was deposited into the newly opened checking account within 20 days. On XX/XX/XXXX, I followed the instructions on the mailer, which was to visit citi.com/BetterChecking. The Citibank-driven process allowed me to sign in, which prefilled a lot of the questions that needed to be answered when applying for a deposit account. I confirmed that all the information was correct and advanced forward through the Citibank process. I did fund the account with $ XXXX by allowing Citibank to debit the same XXXX XXXX XXXX account that was debited the previous month. I did not initiate a transfer for the full {$300000.00} at this time because I wanted to make sure the full amount was available in my XXXX XXXX checking account. A couple of days later, when I was ready to transfer the remaining {$290000.00}, I signed onto my Citibank online banking account only to learn that I was limited to moving {$250000.00} per a rolling 30 calendar days. I then initiated another transfer of $ XXXX, which was the remaining allowable amount per Citibank that XXXX could request a transfer for. I called back into Citibank customer service on Monday, XX/XX/XXXX to find out how to get the remaining {$50000.00} in the new checking account. The representative that I spoke with this time confirmed that the limit was {$250000.00} and also reminded me that I only had 20 days from the day the account was opened to fully fund the account in order to get the promotion that I was offered. I then asked if there were any branches in Georgia so I could move the rest of the money into the new Citibank checking account before the 20 day cutoff date. The representative told me that there were no branches near me. No other options were suggested for me to make a deposit. After thinking through possible options for myself, I asked if making a deposit via bank-by-mail was an option. The representative said that I could do this, but suggested I do this as a last resort due to the time it would take for the physical check to be mailed and received by Citibank, which could have possibly been after the 20 day funding requirement. I then asked if there was a branch in XXXX XXXX, Florida, as I have a family member who could have made a physical check deposit for me. The representative confirmed that there were branches in XXXX XXXX and then proceeded to look up and provide me with the address of a branch on XXXX XXXX. I then asked my family member to deposit a check for $ XXXX into my new Citibank checking account in order to bring the balance up to the required {$300000.00} within the 20 day time frame of opening the account.
ALL electronic movement of money to Citibank was initiated through a Citibank system/option. ALL funds to Citibank were successfully and wholly received by Citibank without any restrictions and/or concerns. My other accounts have been properly debited. Additionally, I have provided proof that a total that {$330000.00} ( which was deposited into Citibank accounts ) was successfully withdrawn from my accounts. I want to reiterate that the electronic movement of money was suggested BY Citibank as part of the account opening process, in which Citibank offered my XXXX XXXX account ( both name and number ). I did not even add a new account. I simply used the XXXX XXXX account information that Citibank already has on file AND has been debiting to pay my Citibank credit card.
On Saturday, XX/XX/XXXX, XXXX explained to me that my accounts are scheduled to be closed due to fraud. I am appalled that Citibank would accuse me of fraud and close my accounts, penalizing me for utilizing the very technology that was offered to me after soliciting me for my money, having been a customer since XXXX. I am further shocked that NO communication was initiated by Citibank asking me about the validity of the funds that were successfully transferred to Citibank. I only learned that Citibank has called me a fraudster when I signed into my online banking to pay my Citibank credit card on XX/XX/XXXX. The complete and utter shock was unimaginable when I saw that both accounts just vanished from both my Citibank online banking account and from the automated system!
This email is also to explain that absolutely NO fraud was committed in opening these accounts. I do not understand how Citibank expected me to fund the newly established accounts without a physical branch for me to walk into and deposit an actual check. Additionally, there was NO communication from Citibank regarding actions/investigations that apparently began on Tuesday, XX/XX/XXXX, almost two ( 2 ) weeks ago! Due to total lack of communication, I completely feel like just a number to Citibank. I completed all of the required steps to take advantage of the promotions that were offered to me by Citibank. I believe that Citibank has misrepresented itself and does not want to honor its promotion, so saying that moving my money from my accounts to my new Citibank accounts is a way to avoid honoring its commitment. This is highly unethical and very deceptive. If I knew funding the account would be considered suspicious by Citibank, I would have not moved forward with the account openings.
I now have NO idea when or how my money will be returned to me. I was told this investigation could take up to 60 days, which means that Citibank will benefit from my money after defrauding me. Minimally, I should have been called on the phone and asked follow-up questions to simply get further clarification. Furthermore, I am also in shock because I have had a credit card with Citibank for decades, so I should be a known customer. I did not access the Citibank website and initiate a new relationship for the very first time in XXXX. I did not walk into a branch in a city where I do not live and ask to establish a relationship with the bank. I simply responded to Citibank-initiated solicitations to deepen an existing relationship and then was promptly penalized and called a fraudster for doing so.
I do expect an immediate response to this email with explanation and resolution for all that has transpired. I am willing to leave the accounts open and active, and be provided with the bonuses/incentives after the promotional waiting periods, but if the accounts are to be closed I expect a FULL refund of my money within 24 hours. I do NOT give permission for Citibank to continue to use my money without me having any access to it, which has apparently been the case since Tuesday, XX/XX/XXXX. I do expect ( and prefer verbal ) communication and complete resolution within seven ( 7 ) business days, the exact length of time that the Regulation CC Hold for a Safeguard Exception was placed the {$50000.00} check that was physically deposited into my Citibank account.
*X Attachments of screenshots to support events p.s. I attached 11 images in my email to Citibank that showed proof of confirmation of requested transfers from my Citibank online banking account and proof of monies being withdrawn from my accounts, which are not included in this complaint. Please let me know if they are needed by the CFPB. Thanks so much!
|
| 03/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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I opened an account with Citi Bank when looking for a new bank to do business with. They offered a {$400.00} bonus for depositing {$15000.00} or more and letting it season for 90 days.
I deposited {$15000.00} and set up direct deposit into the account. In XXXX I had reached out, and the representative had checked my account and told me that I would be receiving the bonus at the end of the month.
I reached out to their customer support the beginning of XXXX. Their chat support said I was eligible and that I will be receiving the new account bonus within the end of the week.
I asked if this deposit was not credited, how would I proceed. They gave me a number to call.
This bonus was NOT deposited. And now calling the number provided, they're saying that I am not eligible.
Instead of communicating with me, they would put me on hold for 5-10 minutes at a time only to return and ask if there " were any other banking needs that they could be assistance. '' " Hello XXXX.
Greetings for the day!
Kindly be informed that your cash bonus will be credited into your open, eligible account within 90 calendar days after you complete the required activities.
The required activities to be eligible for the offer are : you need to make the required deposit amount within 30 days of opening the account and maintain the minimum required deposit between the checking and savings accounts for 60 consecutive calendar days.
XXXX at XXXX, XX/XX/XXXX : Will this be automatically deposited at that time or would I need to submit a form?
You at XXXX, XX/XX/XXXX : It will be automatically be credited on your account and you need not to submit any form XXXX XXXX at XXXX, XX/XX/XXXX : Okay thankyou You at XXXX, XX/XX/XXXX : You are most welcome.
Please let me know if there is anything else that I can help you with today.
XXXX at XXXX, XX/XX/XXXX : Conversation closed by you at XXXX, XX/XX/XXXX : Before you go, please take our 3-question survey. Your feedback helps us serve you better.
1. Based on your experience with Live Chat, how likely are you to recommend Citi to a friend or colleague?
Choose a number from 0 ( not at all likely ) to 10 ( extremely likely ).
Citi Bot at XXXX, XX/XX/XXXX : Hello You at XXXX, XX/XX/XXXX : You're now connected to : Citi Bot.
Info at XXXX, XX/XX/XXXX : Please do not share sensitive account information, such as your security word or expiration date here. We may send you a secure electronic form to collect this information. This session may be recorded or monitored.
Hello there, XXXX.
Citi Bot at XXXX, XX/XX/XXXX : What day will my new account bonus be credited to my account?
You at XXXX, XX/XX/XXXX : Sure thing. You can apply for an account on our website, which I can take you to now.
Citi Bot Apply for Account Citi Bot at XXXX, XX/XX/XXXX : speak to rep You at XXXX, XX/XX/XXXX : Sure, Ill connect you to the next available representative.
Citi Bot at XXXX, XX/XX/XXXX : You are now being transferred to the next available representative.
Info at XXXX, XX/XX/XXXX : How many days ago did I open this bank account?
You at XXXX, XX/XX/XXXX : Sorry, looks like our wait times are longer than usual. Someone will be with you shortly.
Info at XXXX, XX/XX/XXXX : You're now connected to : XXXX.
Info at XXXX, XX/XX/XXXX : Hello XXXX.Good day! We appreciate the opportunity to serve you. Hope you are doing safe out there!
I am worried are we connected?
XXXX at XXXX, XX/XX/XXXX : Thank you for messaging us, understand you are unable to interact with us currently. Your conversation will be saved for you and our team, so we can pick up where we left off with you. We are available 24/7 at your service. Thank you for being the best part of Citi!
XXXX at XXXX, XX/XX/XXXX : Conversation closed by the agent at XXXX, XX/XX/XXXX : Before you go, please take our 3-question survey. Your feedback helps us serve you better.
1. Based on your experience with Live Chat, how likely are you to recommend Citi to a friend or colleague?
Choose a number from 0 ( not at all likely ) to 10 ( extremely likely ).
Citi Bot at XXXX, XX/XX/XXXX : The survey has expired. Thank you for your time.
Citi Bot at XXXX, XX/XX/XXXX : hi You at XXXX, XX/XX/XXXX : You're now connected to : Citi Bot.
Info at XXXX, XX/XX/XXXX : Please do not share sensitive account information, such as your security word or expiration date here. We may send you a secure electronic form to collect this information. This session may be recorded or monitored.
Hello there, XXXX.
Citi Bot at XXXX, XX/XX/XXXX : why has my new account opening bonus not been credited yet?
You at XXXX, XX/XX/XXXX : It usually takes 5-7 business days from the date the credit is issued for a credit to post. Depending on how quickly the merchant 's bank processes the credit, it may take up to 30 days.
You can choose to get an email or text notification when it posts. Just go to Profile, select Account Alerts and turn on Merchant Credit Posted.
Citi Bot at XXXX, XX/XX/XXXX : Speak to rep You at XXXX, XX/XX/XXXX : Sure, Ill connect you to the next available representative.
Citi Bot at XXXX, XX/XX/XXXX : You are now being transferred to the next available representative.
You're now connected to : XXXX.
Info at XXXX, XX/XX/XXXX : Hello XXXX! Welcome to Citi Live Chat.
We appreciate the opportunity to serve you.
I hope you are safe and sound.
XXXX at XXXX, XX/XX/XXXX : why has my new account opening bonus not been credited yet?
You at XXXX, XX/XX/XXXX : Could you please tell me the name of the bonus that you are referring to?
XXXX at XXXX, XX/XX/XXXX : I put $ XXXX in the accoutn and I'm supposed to receive a {$400.00} bonus after 90 days You at XXXX, XX/XX/XXXX : I got it.
Let me review your account for this.
XXXX at XXXX, XX/XX/XXXX : ok You at XXXX, XX/XX/XXXX : As I can see, you maintained the account with the minimum balance.
You are eligible for the bonus.
You will be receiving it till the end of the XXXX week of XXXX.
I request you to wait till this time for the bonus to be credited.
Also, in case you want more details for the bonus, I will be providing you the contact number of your specialist team.
Please contact our Promotions Services at XXXX, Available Monday- Friday XXXX to XXXX, CT. TDD/TYY service is also available at XXXX XXXX.
I hope all of this information serves your purpose?
.
XXXX at XXXX, XX/XX/XXXX : ok so it will be credited by XX/XX/XXXX?
You at XXXX, XX/XX/XXXX : Kindly wait till the end of XXXX week of XXXX month that is XXXX 7 days of the month.
It will be done.
XXXX at XXXX, XX/XX/XXXX : And if it hasn't yet?
You at XXXX, XX/XX/XXXX : In any case if it happens, kindly contact our specialist team for this on the number that I have provided.
XXXX at XXXX, XX/XX/XXXX : is this chat conversation recorded and logged?
You at XXXX, XX/XX/XXXX : Yes it is.
XXXX at XXXX, XX/XX/XXXX : can i get sent a copy of the transcript You at XXXX, XX/XX/XXXX : All the conversations are saved.
You will be able to save the chat once the chat is closed XXXX at XXXX, XX/XX/XXXX : ok thankyo You at XXXX, XX/XX/XXXX : Conversation closed by you at XXXX, XX/XX/XXXX : Before you go, please take our XXXX survey. Your feedback helps us serve you better.
Citi Bot at XXXX, XX/XX/XXXX : speak to rep You at XXXX, XX/XX/XXXX : You're now connected to : Citi Bot.
Info at XXXX, XX/XX/XXXX : Please do not share sensitive account information, such as your security word or expiration date here. We may send you a secure electronic form to collect this information. This session may be recorded or monitored.
Sure, Ill connect you to the next available representative.
Citi Bot at XXXX, XX/XX/XXXX : You are now being transferred to the next available representative.
You're now connected to : XXXX.
Info at XXXX, XX/XX/XXXX : Welcome to Citi live chat. We appreciate the opportunity to serve you.
Good evening, XXXX! I hope you are safe and doing well.
XXXX at XXXX, XX/XX/XXXX : hi My bonus has not been deposited yt why has my new account opening bonus not been credited yet?
You at XXXX, XX/XX/XXXX : Could you please tell me the name of the bonus that you are referring to?
XXXX at XXXX, XX/XX/XXXX : I put $ XXXX in the accoutn and I'm supposed to receive a {$400.00} bonus after 90 days You at XXXX, XX/XX/XXXX : I got it.
Let me review your account for this.
XXXX at XXXX, XX/XX/XXXX : ok You at XXXX, XX/XX/XXXX : As I can see, you maintained the account with the minimum balance.
You are eligible for the bonus.
You will be receiving it till the end of the XXXX week of XXXX.
I request you to wait till this time for the bonus to be credited.
Also, in case you want more details for the bonus, I will be providing you the contact number of your specialist team.
Please contact our Promotions Services at XXXX, Available XXXX XXXX XXXX to XXXX, CT. TDD/TYY service is also available at XXXX XXXX.
I hope all of this information serves your purpose?
.
Pal at XXXX, XX/XX/XXXX : ok so it will be credited by XX/XX/XXXX?
You at XXXX, XX/XX/XXXX : Kindly wait till the end of XXXX week of XXXX month that is XXXX 7 days of the month.
It will be done.
Pal at XXXX, XX/XX/XXXX : And if it hasn't yet?
You at XXXX, XX/XX/XXXX : In any case if it happens, kindly contact our XXXX team for this on the number that I have provided.
Pal at XXXX, XX/XX/XXXX : is this chat conversation recorded and logged?
You at XXXX, XX/XX/XXXX : XXXX it is.
You at XXXX, XX/XX/XXXX : XXXX XXXX. I see the status of your bonus credit and it should be added at this time. From my end, I couldn't add the credit right away. I request you to kindly contact our accounts team as soon as possible to find the exact status of the credit and they can place a special request to get it done sooner.
Please call them at XXXX for further servicing. XXXX XXXX is also available at XXXX. They are available XXXX to assist you with your concern.
A quick tip for you. Please keep pressing XXXX in the menu to get an agent easily. I have given this quick tip too to make sure you wont wait for longtime in the call.
XXXX at XXXX, XX/XX/XXXX : Will it be added by end of the day or what time frame am I looking at You at XXXX, XX/XX/XXXX : I apologize, XXXX. From my end, I couldn't confirm the exact time on which it will be added. Since I am not authorized to add the credit from my end, I suggested you to contact the dedicated team who could create a special request and they will be able to verify the turn around time.
XXXX at XXXX, XX/XX/XXXX : Is this already in proces?
You at XXXX, XX/XX/XXXX : XXXX XXXX. I see it under " in progress '' status. So, that would be great if you get in touch with our accounts XXXX to get it added sooner.
XXXX at XXXX, XX/XX/XXXX : Thank you for messaging us, understand you are unable to interact with us currently. Your conversation will be saved for you and our team, so we can pick up where we left off with you. We are available XXXX at your service. Thank you for being the best part of Citi!
XXXX at XXXX, XX/XX/XXXX : Conversation closed by the agent at XXXX, XX/XX/XXXX : Before you go, please take our XXXX survey. Your feedback helps us serve you better.
XXXX. Based on your experience with XXXX XXXX, how likely are you to recommend Citi to a friend or colleague?
Choose a number from XXXX ( not at all likely XXXX to XXXX XXXX extremely likely ).
Citi XXXX at XXXX, XX/XX/XXXX : The survey has expired. Thank you for your time.
Citi XXXX at XXXX, XX/XX/XXXX : Welcome to Citi XXXX XXXX. Please type your message at any time. ''
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| 09/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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The creditor as fiduciary reached good faith and fair dealings with agreements crafted by a corporation 's unlawful practice of law with the intent of unlawfully converting the subrogee 's chose-in-action and wilfully and knowingly deprived equitable interest, rights and ownership of the chose-in-acton when requested. The creditor/subrogor and collection agent turned a blind eye to the previous notices of subrogation and equitable interest with the most recent being XXXX. In the process Adverse action was taken by the creditor for attempting to assert my rights, the account was closed when rights to interest and redemption were communicated. One who seeks equity must do equity. Equity will not suffer a wrong without a remedy. Equity follows the law. Principal and Agent are vicariously liable for the other.
In this era when credit has become one of the instrumentalities of business to which men pay homage, intangible property rights must be considered when conversion is discussed. Stocks, bonds, evidences of debt, debentures, insurance policies, contracts and other choses-in-action play a prominent role in present-day credit economy. Conversion has been defined as a " wrongful interference over personal property, inconsistent with or in denial of the dominion of the person entitled to possession thereof. It is " any dealing with the property of another which excludes the owner 's dominion. '' The gist of conversion is the unauthorized assumption of the powers of the true owner. '' A " chose in action '' is a personal right not reduced to possession. For example, shares of stock, and debts represented by negotiable instruments and savings bankbooks are all choses in action. They are personal property rights, not reducible to immediate tangible possession, not capable of physical delivery ; but recoverable only in an action at equity or law.
Trover action will lie for the wrongful conversion of ... bonds, or other securities for the payment of money. This is true with regard to both negotiable and non-negotiable bonds. Even where bonds have been stolen, and a forged indorsement used to obtain new bonds from the corporation, the owner was allowed to recover the bonds from an innocent third party into whose hands the bonds had come. A bond being evidenced by a tangible writing, the courts have no trouble in finding the necessary dominion to allow an action for conversion. '' The underlying debt is immediately converted on the wrongful taking of a negotiable bond, and may be generally assumed to be converted in the case of a non-negotiable bond.
Trover is a legal action that a property owner can take to recover the value of personal property that was wrongfully taken. The plaintiff must show that they had title or possession of the property at the time the action was filed. The plaintiff can sue the person who first converted the goods, or anyone else to whom the goods were delivered. Trover is different from other remedies for wrongful taking because the plaintiff only recovers the value of the property, not the property itself. The plaintiff can sue the person who first converted the goods, or anyone else to whom the goods were delivered. Today, the tort of conversion has subsumed both trover and detinue, and a plaintiff can request legal relief ( money damages ) or equitable relief ( return of property ). See, e.g. Burgess v. Small, 117 A.2d 344 ( Me. XXXX ) It has been well settled beyond controversy under the power to borrow money on the credit of the United States, and to issue circulating notes for the money borrowed; when Congress borrowed We The Peoples private credit, it created a sovereign redemption and subrogation right in We The People and a breach of trust by the subrogors and mortgagees when they clog the We The Peoples right to redeem their collateral borrowed and the securities created on account by indorsement and interfere in commerce. It is against equity for freemen not to have the free disposal of their own property and financial assets.
NOTICE. I am aware, pursuant to Title 15 U.S.C. 78c, Section 10 the term security means any note, stock, treasury stock, security future, security-based swap, bond, debenture, certificate of interest or participation in any profit-sharing agreement or in any oil, gas, or other mineral royalty or lease, any collateral-trust certificate, preorganization certificate or subscription, transferable share, investment contract, voting-trust certificate, certificate of deposit for a security, any put, call, straddle, option, or privilege on any security, certificate of deposit, or group or index of securities ( including any interest therein or based on the value thereof ), or any put, call, straddle, option, or privilege entered into on a national securities exchange relating to foreign currency, or in general, any instrument commonly known as a security ; or any certificate of interest or participation in, temporary or interim certificate for, receipt for, or warrant or right to subscribe to or purchase, any of the foregoing ; but shall not include currency or any note, draft, bill of exchange, or bankers acceptance which has a maturity at the time of issuance of not exceeding nine months, exclusive of days of grace, or any renewal thereof the maturity of which is likewise limited. The promise to pay or promissory note with a maturity longer than nine ( 9 ) months created in this transaction is a security ; NOTICE. DEBT INSTRUMENT. In general Except as provided in subparagraph ( B ), the term debt instrument means a bond, debenture, note, or certificate or other evidence of indebtedness. Title 26 USC 1275 ( a ) ( 1 ) NOTICE. BOND. The term bond includes any obligation. Title 26 USC 150 ( a ) ( 1 ) ; NOTICE. BENEFIT. This word is used in the same sense as gain ( q. v. ) and profits. ( q. v. ) 20 Toull. N. 199 ; NOTICE. BENEFICIARY. This term is frequently used as synonymous with the technical phrase cestui que trust. ( q. v. ) ; NOTICE. BENEFICIAL INTEREST. That right which a person has in a contract made with another, as if A makes a contract with B that he will pay C a certain sum of money, B has the legal interest in the contract, and C the beneficial interest. Hamm. on Part 6, 7, 25 2 Bulust. 70 ; NOTICE. I am aware, pursuant to 17 CFR 240. 13d-3. ( b ) Any person who, directly or indirectly, creates or uses a trust, proxy, power of attorney, pooling arrangement or any other contract, arrangement, or device with the purpose of effect of divesting such person of beneficial ownership of a security or preventing the vesting of such beneficial ownership as part of a plan or scheme to evade the reporting requirements of section 13 ( d ) or ( g ) of the Act shall be deemed for purposes of such sections to be the beneficial owner of such security ; essentially the right to subrogation to the securities has been deprived ; NOTICE. I am aware, pursuant to 17 CFR 240.8c-1 Hypothecation of customers ' securities ( a ) General provisions. No member of a national securities exchange, and no broker or dealer who transacts a business in securities through the medium of any such member shall, directly or indirectly, hypothecate or arrange for or permit the continued hypothecation of any securities carried for the account of any customer under certain circumstances ; NOTICE. I am aware, pursuant to Title 18 U.S. Code 1348 Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both ; NOTICE. 18 U.S. Code 1956 - Laundering of monetary instruments ; NOTICE. Use of the Beneficiarys Private Credit for the extension of credit or choses-in-action by indorsement, creating securities as an accommodating party establishes an implied TRUST IN INVITUM raised by operation of law without the consent of the trustee. Such a Trust Arises where Goods have been stolen or Converted to the Use of the TAKER and sold, with respect to the PROCEEDS, whether such proceeds are in the form of money or other property purchased therewith, and equity will in such cases enforce a Trust In Invitum in the original taker or in his assignee with NOTICE. Likewise, where a TRUSTEE or OTHER FIDUCIARY has Misapplied Trust Funds a like Trust will be RAISED. Where a trust fund has been perverted, the cestui que trust can follow it at law as far as it can be traced. - United States v. State Bank, 96 U.S. 30 ( 1877 ) NOTICE. When it comes to accounts Article 9 of the Uniform Commercial Code has always applied to the sale of accounts. Revised Article 9 continues this rule in North Carolina 25-9-109 ( a ) ( 3 ). Former Article 9 defined accounts to include payment obligations arising out of only the sale of goods or the provision of services. Under the former law, this left many kinds of payment rights within the definition of general intangible. The sale of these types of payment rights often serves as a financing transaction, but former Article 9 did not apply to these transactions. Revised Article 9 broadens the definition of accounts to include : Payment obligations arising out of the sale, lease or license of all kinds of tangible and intangible personal property ( for example, account will include license fees payable for the use of software ), and Credit card receivables.
The sale of a payment intangible often functions as a financing transaction. Revised Article 9 brings certainty to these transactions by bringing the sale of a payment intangible into the scope of Article 9. However, to permit financial institutions that sell loan participations to avoid having a UCC-1 financing statement filed against them as debtors, Article 9 provides for the automatic perfection of a security interest created upon the sale of a payment intangible ( but not a security interest in a payment intangible given to secure an obligation ). G.S. 25-9-309 ( 3 ).
NOTICE. EQUITY CONCERNS ITSELF WITH SUBSTANCE AND NOT FORM. Equitable Subrogation is forward-looking rooted in the equity maxim... equity regards done what ought to be done. Equitable subrogation is not founded upon contract, but is the creation of equity, and is enforced solely for accomplishing the end of substantial justice. It is the mode by which equity adopts to compel the ultimate payment of a debt by one who, in justice and good conscience, ought to pay. Equity delights in equality. Equity knows no time. Equity aids the vigilant, not those who slumber on their rights.
I delcare under a penalty of perjury the statement is accurate and true to the best of my personal knowledge.
XXXX XXXX, XXXX 28 U.S. Code 1746
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| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( XXXX ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. My only first and last name are : XXXX XXXX. My only address is : XXXX XXXX XXXX, XXXX CA XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth. I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau. RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( XXXX ) by Original Creditors on my XXXX, XXXX and XXXX XXXX XXXX. -- - To Whom It May Concern, In the course of recently screening my personal XXXX credit report,? I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX. The inquiry was not authorized -XXXX / XXXX XXXX Date of inquiry : XX/XX/XXXX, Please remove this inaccurate information from my credit report.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX - Please remove this inaccurate information from my credit report.
-XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. _____ XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX / XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. NORDSTEOM / XXXX BANK XXXX - Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX/XXXX Account XXXX : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX/XXXX- Account XXXX : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX XXXX Account XXXX : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity _________ I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( XXXX ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my XXXX credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( XXXX ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified XXXX XXXX compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you XXXX, immediately so to adequately make rectifiable removal of every XXXX even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. To that end, further, I am also requesting that they remove any and all of my personal information from their records. The last XXXX of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
|
|
Web |
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|
*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( XXXX ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. My only first and last name are : XXXX XXXX. My only address is : XXXX XXXX XXXX, XXXX CA XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth. I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau. RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( XXXX ) by Original Creditors on my XXXX, XXXX and XXXX XXXX XXXX. -- - To Whom It May Concern, In the course of recently screening my personal XXXX credit report,? I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX. The inquiry was not authorized -XXXX / XXXX XXXX Date of inquiry : XX/XX/XXXX, Please remove this inaccurate information from my credit report.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX - Please remove this inaccurate information from my credit report.
-XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. _____ 2. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX / XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX / XXXX XXXX XXXX - Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX/XXXX Account XXXX : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX/XXXX- Account XXXX : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX XXXX Account XXXX : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity _________ I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( XXXX ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my XXXX credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( XXXX ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified XXXX XXXX compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you XXXX, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. To that end, further, I am also requesting that they remove any and all of my personal information from their records. The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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| 09/29/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I'm responding to an email I received from citibank on this day, XX/XX/XXXX. ( See attached second to last attachment. ) I was not an unauthorized party. I, XXXX XXXX, am filing a complaint against citi bank for handling my fraud complaint abusively between the periods of early XXXX and present. I, XXXX XXXX am uploading documents newly requested of me by Citi Bank earlier today and I am writing that the CFPB complaint COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX was not submitted by an unauthorized party as was alleged to me through CFPB by Citi Bank XXXX That complaint had been submitted by myself, XXXX XXXX, and the bank never had reason to believe that it was not other than their greed and their pride from my complaining about their employees they are trying to confuse the situation about and cover up for. As stated in that complaint, the dispute of this transaction did not begin over telephone, it began the morning after the initial mugging I believe was on or around XX/XX/XXXX I reported in person at a citi bank that my card and my IDs and phones had been stolen. Because everything had been stolen, the bank threatened to call police on me and accused me of being an illegal immigrant who was underdressed. I was not underdressed and I was a XXXX citizen. The bank should have stopped the card on that day when I reported. I could recognize the employee who threatened to call police on me for having no ID if I saw him. He should not be employed. As result of his threat I was forced to return to the violent lease for my ID back. I was coerced to pretend to be the assailant 's wife and coerced to not mention anymore to citibank that I was a victim of violent crime. They did also lie that they did not say that the reason they denied the dispute was because the transaction was too large, because they did say that they would deny the transaction if it was too large unless I submitted the required forms, and because I submitted the required forms with proof of mail and citi bank repeatedly refused to respond to them or else explain why they were denied.
They say that only certain documents are required by mail. I said have proof of mail that I submitted the documents. They used false phone conversations and abused me during phone conversations. They were XXXX trafficking me to my XXXX traffickers and threatening me with police when I reported in person or on the phone if in person. They are pretending that my in person report at the CitiBank in early XXXX of XXXX XXXX the morning after I was mugged of my card and keys does not exist. They refused to refund the transaction solely because the amount was too large in phone conversations as well for this transaction I am referring to on the bank statements that were requested. I was told the complaint was denied because I did not submit the correct form but then I submitted the correct form by mail and the bank is still pretending that when I sign the form my signature is obsolete. I have never given them sufficient reason to believe that I am not XXXX and citi bank does not have the mens rea to believe that I am not XXXX in their continued abusiveness towards me as a XXXX citizen or as a professional ( I happen to be licensed in fraud investigations ). They continue to treat me abusively and racistly as a lower class consumer to them only.
The citi bank employees who coerced me into a dangerous situation by my assailants, including but not limited to white collar criminals, discredit my fraud report as a consumer and feel unduly powerful with obsolete and coerced statements against victims of XXXX trafficking whose speech is being purposefully and abusively contextualized to suit the banks agenda generally. For example, Citi bank is trying to humiliate me for the fact of my XXXX trafficking victimization throughout the entire fall of XXXX after I was already mugged of my IDs, XXXX, and attempted murder of. I have since collected back identification and they still pretend not to have received it. They XXXX be planning something diabolical against my person through their policing fraud threats about my true identity, which is the identity they know to be XXXX XXXX legally and this identity, my identity, is also federally licensed by a United States FBI agent through a training program with the XXXX XXXX XXXX XXXX XXXX. It is no coincidence that I was mugged by a released prisoner and stolen from in fall XXXX and Citi Bank 's negligence to stop my card or assist my fraud investigation resulted in the released prisoner becoming radicalized and ordering her associate to break my neck on XX/XX/XXXX. The transactions were unauthorized and were made by organized crime and conspiracy that CitiBank pretends to believe I have no education or knowledge for.
The law firm mentioned on the transaction I'm disputing correctly as non-consensual or unauthorized even admits that they have no record of me or of the transaction when called. I also received confidential information from an intimidated victim witness other than myself pertaining to the alleged lawyer or that alleged identity XXXX on the bank statement. Again, I have never met this lawyer and I had not mentioned my situation of the fraudulent transaction to her but after it happened I found her and she started talking about how the alleged identity had aliases and how he had attempted murder of her with his car, but because of his white collar status he got the charged dropped and hired fake law enforcement to institutionalize and poison her with prescription and diagnostic fraud. Hence, whether she was telling the truth or not, the transaction is extremely suspicious as with the repetitive victimizations and stolen card that had occurred before. Because I mentioned violent crime and conspiracy after it first happened to the citi bank XXXX XXXX XXXX in person, and because citi bank 's first response to this report was that I was illegal immigrant ( my ID had been stolen along with the card ) and threatened me with police, I was coerced to pretend that I was the subletter 's wife who had mugged me to try to get any of my property back. I did not get it back and I was XXXX while I was trying to legally sleep in my own bed. As I was XXXX objectively forcibly at that time, the mugger and assailant I did not know was a serial XXXX ( XXXX XXXX ) was holding me down forcibly as I was saying please no please let me go and threatening to break my neck in her hand while she XXXX XXXX me ( according to my language ) with her other hand. The XXXX was painful to say the least, but also extremely violent and threatening. My card was used to pay a lawyer that same month but it XXXX have been XXXX XXXX who did that because XXXX was the person who introduced me to XXXX and who planned my XXXX. I know that XXXX XXXX is associated with XXXX only through social media. I do not know when or who swiped the card at what time, only that it was stolen from me and that I was attacked repetitively physically during fall XXXX.
Citi bank could have stepped in when I first asked in person in XXXX of XXXX, but they with the American public generally pretend that my in person encounters with them have never existed, as well as that they retaliate me for my initial complaints and coerced recorded statements abusively since complaints of violent crime are always automatically discredited by them psychologically.
They are not well. They pretend that my in person encounter with citi bank from when my card was first stolen did not exist, and they threatened me with policing and health fraud from trying to explain that my relationships to my XXXX traffickers were not consensual. I was a victim of repetitive victimization in fall XXXX that escalated into a violent attack against me by XXXX of the card thief 's associates on the morning of XX/XX/XXXX. I know that the assaulter was XXXX of the card thief 's associates because she referred to him, because I saw her on his social media, and because he had promised me that he would send her to XXXX me if I left him. I am referring to XXXX XXXX who is the false male alias used by XXXX XXXX in fall XXXX to defraud me into a sublease before stealing my property and before they were arrested for the murder of XXXX XXXX in XXXX, who I also knew.
I have never met any lawyer or authorized representative of the alleged law firm that charged my card XXXX dollars. I do not know who authorized a transaction. I did not authorize the transaction and I can pass a lie detecter test also as a fraud XXXX as to this. The alleged law firm even stated to me explicitly that they had no record of the transaction. I had also received an anonymous tip online implying a massive fraud ring surrounding the transaction that I accuse of being fraudulent.
My card was stolen and my identity was stolen repetitively by organized XXXX traffickers to include my biological mother, my ex husband XXXX XXXX, my mothers husband, my husbands friends, and multiple other paid assassins such as XXXX XXXX, XXXX XXXX, and XXXX Doll who broke my neck on XX/XX/XXXX, leaving me permanently XXXX since the re-break on XX/XX/XXXX. I am licensed in health care and criminal investigations and I am not lying or not possibly a target. I am actually a significant target of repetitive victimizations and high profile, white collar law enforcement professionals to include XXXX XXXX, who most directly assisted XXXX XXXX in stealing my valuables in fall XXXX. XXXX XXXX also had claimed to be a lawyer and appeared to have close ties with XXXX to retaliate me with in union square in fall XXXX.
There was a moment where I thought I was free after the first attack by XXXX. I walked into the citi bank XXXX XXXX XXXX in New York XXXX. I remember the incompetent employee who threatened me well facially bit I do not remember his name. He appeared to a XXXX male. I explained respectfully to him that I had been mugged of all my cards, keys, and IDs. He only threatened to call police on me for appearing underdressed and refused to serve me. I was not underdressed.
The phone calls that citi bank allege that I had with them are obsolete, and in the last letter they wrote to me they are pretending not to have read my cfpb complaint. They are also lying about what was said in the calls and in mail correspondence pertaining to the complaint, for which I was promised a refund and not an appeal of a denial but an actual refund pursuant to documents. They continuously pretend that I have never reported in person, but they also pretend that I have refused to submit the documents they asked. They continuously pretend that I have not submitted required documents even when I have, and they continuously attempt to criminalize, XXXX humiliate me, and threaten me with policing fraud and medical poisons ( diagnostic with prescription fraud ) from reporting violent crime in a so-called developed country. I have history of anaphylaxis and history of sudden unconsciousness ( beatings ) with near brain death. This has never affected my ability to report fraud or to investigate fraud professionally or as a consumer. I became a fraud XXXX for the purpose of bringing violent criminals to justice, not to steal from consumers or be accused of being an illegal immigrant by Citi Bank. I became targeted by fraudsters also because of my status as resident in health fraud investigations.
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| 12/21/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I allege that an employee of Citibank, by the name of XXXX XXXX, aided and abetted an officer of the court ( personal representative ) by the name of XXXX XXXX XXXX, in committing fraud against the U.S. Treasury Department and in the theft of {$14000.00} in the fraudulent redemption of U.S. Savings Bonds ( herein referred to as Bonds ) that were registered to my parents XXXX XXXX and XXXX XXXX XXXX. They are both deceased. XXXX XXXX passed away in XX/XX/XXXX and XXXX XXXX XXXX passed away in XX/XX/XXXX.
XXXX aided XXXX in depositing the money from the Bonds into her personal Citibank savings account.
XXXX XXXX Citibank employee Work Address XXXX XXXX XXXX, XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all aliases XXXX XXXX XXXX.
XXXX, CA XXXX Phone : XXXX ************************************************** Citibank violated the following federal laws : 18 U.S. Code 1001 - Statements or entries generally ( a ) Except as otherwise provided in this section, whoever, in any matter within the jurisdiction of the executive, legislative, or judicial branch of the Government of the United States, knowingly and willfully ( 1 ) falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; ( 2 ) makes any materially false, fictitious, or fraudulent statement or representation ; or ( 3 ) makes or uses any false writing or document knowing the same to contain any materially false, fictitious, or fraudulent statement or entry ; shall be fined under this title, imprisoned not more than 5 years or ...., If the matter relates to an offense under chapter 109A, 109B, 110, or 117, or section 1591, then the term of imprisonment imposed under this section shall be not more than 8 years.
18 U.S. Code 1957 Engaging in monetary transactions in property derived from specified unlawful activity ( a ) Whoever, in any of the circumstances set forth in subsection ( d ), knowingly engages or attempts to engage in a monetary transaction in criminally derived property of a value greater than {$10000.00} and is derived from specified unlawful activity, shall be punished as provided in subsection ( b ).
( b ) ( 1 ) Except as provided in paragraph ( 2 ), the punishment for an offense under this section is a fine under title 18, United States Code, or imprisonment for not more than ten years or both. If the offense involves a pre-retail medical product ( as defined in section 670 ) the punishment for the offense shall be the same as the punishment for an offense under section 670 unless the punishment under this subsection is greater.
( 2 ) The court may impose an alternate fine to that imposable under paragraph ( 1 ) of not more than twice the amount of the criminally derived property involved in the transaction.
In a prosecution for an offense under this section, the Government is not required to prove the defendant knew that the offense from which the criminally derived property was derived was specified unlawful activity.
( d ) The circumstances referred to in subsection ( a ) are ( 1 ) that the offense under this section takes place in the United States or in the special maritime and territorial jurisdiction of the United States ; or ( 2 ) that the offense under this section takes place outside the United States and such special jurisdiction, but the defendant is a United States person ( as defined in section 3077 of this title, but excluding the class described in paragraph ( 2 ) ( D ) of such section ).
( e ) Violations of this section may be investigated by such components of the Department of Justice as the Attorney General may direct, and by such components of the Department of the Treasury as the Secretary of the Treasury may direct, as appropriate, and, with respect to offenses over which the Department of Homeland Security has jurisdiction, by such components of the Department of Homeland Security as the Secretary of Homeland Security may direct, and, with respect to offenses over which the United StatesPostal Service has jurisdiction, by the Postal Service. Such authority of the Secretary of the Treasury, the Secretary of Homeland Security, and the Postal Service shall be exercised in accordance with an agreement which shall be entered into by the Secretary of the Treasury, the Secretary of Homeland Security, the Postal Service, and the Attorney General.
( f ) As used in this section ( 1 ) the term monetary transaction means the deposit, withdrawal, transfer, or exchange, in or affecting interstate or foreign commerce, of funds or a monetary instrument ( as defined in section 1956 ( c ) ( 5 ) of this title ) by, through, or to a financial institution ( as defined in section 1956 of this title ), including any transaction that would be a financial transaction under section 1956 ( c ) ( 4 ) ( B ) of this title, but such term does not include any transaction necessary to preserve a persons right to representation as guaranteed by the sixth amendment to the Constitution ; ( 2 ) the term criminally derived property means any property constituting, or derived from, proceeds obtained from a criminal offense ; and ( 3 ) the terms specified unlawful activity and proceeds shall have the meaning given those terms in section 1956 of this title.
18 U.S.C. 371 - U.S. Code - Unannotated Title 18. Crimes and Criminal Procedure 371. Conspiracy to commit offense or to defraud United States If two or more persons conspire either to commit any offense against the United States, or to defraud the United States, or any agency thereof in any manner or for any purpose, and one or more of such persons do any act to effect the object of the conspiracy, each shall be fined under this title or imprisoned not more than five years, or both.
If, however, the offense, the commission of which is the object of the conspiracy, is a misdemeanor only, the punishment for such conspiracy shall not exceed the maximum punishment provided for such misdemeanor.
XXXX Citibank violated the following state law : CA Penal Code 31 All persons concerned in the commission of a crime, whether it be felony or misdemeanor, and whether they directly commit the act constituting the offense, or aid and abet in its commission, or, not being present, have advised and encouraged its commission, and all persons counseling, advising, or encouraging children under the age of fourteen years, or persons who are mentally incapacitated, to commit any crime, or who, by fraud, contrivance, or force, occasion the drunkenness of another for the purpose of causing him to commit any crime, or who, by threats, menaces, command, or coercion, compel another to commit any crime, are principals in any crime so committed.
Violation of federal law 18 U.S. Codes 1001 and 1957 are federal crimes and are to be reported to the FBI ( federal bureau of investigation ) as crimes against the state.
18 U.S. Code Title 18 Crimes and Criminal Procedure 2. Principals ( a ) Whoever commits an offense against the United States or aids, abets, counsels, commands, induces or procures its commission, is punishable as a principal.
( b ) Whoever willfully causes an act to be done which if directly performed by him or another would be an offense against the United States, is punishable as a principal.
XXXX XXXX came into possession of 117 Bonds, ( that were registered to my parents ), after my father passed away. These Bonds were part of my fathers estate. XXXX concealed these Bonds from me and the probate court so that she could embezzle the money. I discovered that XXXX had redeemed the Bonds after speaking to the Treasury Department, who traced the Bonds using my fathers social security number. All the Bonds had serial numbers, making them easily traceable.
XXXX, being unable to read or write English, went to Citibank with XXXX XXXX XXXX and spoke with XXXX on how to redeem the Bonds. I allege that XXXX told XXXX that she can file FS Form XXXX Disposition of Treasury Securities Belonging to a Decedents Estate Being Settled Without Administration to the United States ( Attachment 2 ). XXXX was aware that the Estate of XXXX XXXX XXXX was being administered by the probate court ( Attachment 1 ), since she was appointed personal representative of the Estate by Judge XXXX on XX/XX/XXXX, thereby making her an officer of the court ( Attachment 4 ). XXXX was issued Letters of Administration on XXXX XXXX, XXXX. ( Attachment 5 ) by the court to be the personal representative. I allege that XXXX was aware of this fact.
FS Form 5336 is to be used only if the Estate is not being administered by the probate court. The Estate is being administered by the court. The form gives multiple warnings not to use the form if the Estate is being administered by the court. The form states explicitly the following warning : You should be aware that the making of any false, fictitious, or fraudulent claim or statement to the United States is a crime that is punishable by fine and/or imprisonment I allege that this warning was deliberately violated by XXXX, because he filled out the form ( Attachment 2 ) for XXXX on XXXX XXXX, XXXX to redeem the Bonds, knowing that the Estate was being administered by the probate court. XXXX also wrote the To Whom It May Concern statement ( Attachment 3 ) for XXXX. The handwriting on the statement and in FS Form 5336 on pages 1-5 matches XXXX handwriting, which is on page 5.
The money was deposited in Citbank Savings account XXXX electronically by the Treasury Department in XXXX of XXXX.
XXXX XXXX broke the following federal law.
18 U.S. Code 1001 - Statements or entries generally 18 U.S. Code 1957 Engaging in monetary transactions in property derived from specified unlawful activity 18 U.S.C. 371 - U.S. Code - Unannotated Title 18. Crimes and Criminal Procedure 371. Conspiracy to commit offense or to defraud United States XXXX XXXX also broke the following California laws : CA Penal Code 487 Grand theft is theft committed in any of the following cases : ( a ) When the money, labor, or real or personal property taken is of a value exceeding XXXX XXXX XXXX dollars ( {$950.00} ), except as provided in subdivision ( b ).
CA Penal Code 503 Embezzlement is the fraudulent appropriation of property by a person to whom it has been intrusted.
CA Penal Code 504 Every officer of this state, or of any county, city, city and county, or other municipal corporation or subdivision thereof, and every deputy, clerk, or servant of that officer, and every officer, director, trustee, clerk, servant, or agent of any association, society, or corporation ( public or private ), who fraudulently appropriates to any use or purpose not in the due and lawful execution of that persons trust, any property in his or her possession or under his or her control by virtue of that trust, or secretes it with a fraudulent intent to appropriate it to that use or purpose, is guilty of embezzlement.
************************************************************** I have already filed a police report with the XXXX police department on this matter and I am in the process of submitting a criminal complaint with the FBI. I am also filing a complaint with the Federal Reserve and the Department of the Treasurys Office of the Comptroller of the Currency.
The bank committed a crime in aiding XXXX in the fraud, the bank is completely liable.
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| 09/29/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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This complaint is a culmination of a series of events that have transpired since XXXX of 2022. I had called citibank customer service on the last week of XX/XX/2022 to dispute charges that were made by XXXX and was given by the representative one dispute case number despite indicating and confirming with her that there were three transactions in total amounting to {$1900.00}. The breakdown of the transactions are as follows : {$1700.00}, {$170.00} and {$20.00}. Two letters from Citibank were generated and sent to me dated XXXX XXXX. The letter dated XX/XX/2022, informed me that my dispute has been opened for the {$1700.00} and the {$170.00} transactions. The 2nd letter, requested information regarding the disputed transaction for the {$170.00}. The letter stated that more information about the details of the inquiry was needed to obtain credit and for me to send an email or a signed letter explaining the dispute in detail and to include any related documentation. The letter also stated that IF I have a credit slip, credit memo or credit notification from the merchant, that I should include it. I sent a detailed lengthy letter to XXXX providing the details and reason for my dispute and attached several documentations to substantiate my reason to dispute the charges. Then another letter dated XX/XX/2022 that pertained to the {$1700.00} transaction arrived asking for more information to " help with the investigation '' particularly a credit slip again. I called customer service and asked to be transferred to the dispute department to confirm that they have received my letter which i was told that they did and that a credit will be provided back to my account for both the {$1700.00} and the {$170.00} but they no mention of the {$20.00} which I was told after will also be processed. Upon the receipt of the letter, I immediately wrote to XXXX to tell them that all pertinent information and documentation has already been submitted in my XXXX email to them. On the XXXX of XXXX, another letter requesting for the same information was sent to me so i called again to confirm that my letter was received and that an investigation regarding the issue is being done. I was told that there was no update yet regarding the investigation to my dispute. Then a letter dated XX/XX/XXXX arrived telling me that " since you can not provide proof the purchase was paid for using a payment method other than your account '', the {$170.00} provisional credit will be debited from my account. Confused by the letter, I, again, called customer service on the XXXX of XXXX and after being asked to explain the reason for my calling and explaining to the representative who claimed to be from the dispute department, my situation and getting a response that made me confused even more, I asked for a supervisor and was forwarded to a certain XXXX who then told me that the confusion resulted because I was not provided the proper Dispute claim numbers for each transaction namely the {$170.00} and the {$20.00} and that the documentation I sent was only applied to the {$1700.00} amount, which contradicts the first letter sent on XXXX documenting 2 amounts. He provided me with two more Dispute Claim numbers for the other amounts and instructed me to send another email appealing the result of the case and for it to be reopened and that he will also send a letter explaining the situation to whoever is handling the case. He also said that once the appeal is processed, the amount will be credited back to my account. I sent the letters with the corresponding reference numbers and included the original letter I sent together with the attachments since they all pertained to the same case I was disputing overall. After checking my account if the {$170.00} was credited back as i was told and not seeing it, I called to inquire again and this time I spoke to another supervisor called XXXX who informed me that the credit should have placed back in my account already but that there was no information regarding it was noted. He said that he will send an email to the people responsible for this and that he will call me back 24 to 48 hours from then between the hours of XXXX and XXXX EST to update me. Waited for his call but never heard from him again. Please note that at this point in time, I could not trust the words of any of the representatives and I also began to have doubts that my emails were being thoroughly read and the attachments reviewed properly as that would have provided them with all the necessary information to pursue the allegations of the fraudulent transaction that i was disputing.
In the letter dated XX/XX/2022 that I received only yesterday, it said that " without a valid credit slip '', the provisional credit of {$1700.00} will be debited from my account and that the investigation is now closed. I called customer service with the sole intention to ask what " valid credit slip '' meant as it may be different from what I interpret it to be and after getting a response, i intended to be transferred to the dispute department. The first representative by the name of XXXX ( ID # XXXX ) who answered was mumbling her words and after deciphering that she was asking me for the name on the account for verification, I gave her my name which is the same name I have provided before to access my account. She claims that my name is not valid and that I should call again when i have the proper information. I tried to argue with her that the information provided was correct but she insisted that it was wrong and that i should call later with the correct information over and over again. How can I get my name wrong?! As I was continuing to plead my case, I finally asked for a supervisor because there was no point talking to this person. The supervisor probably wasn't aware that I could hear him telling the representative that she only needed to confirm my first and last name. He finally came on and said his name was XXXX. I asked for his identification number ' as I have started to do whenever i interacted with the CITI representatives so that I can better distinguish them from the people there who might have the same name but he refused to provide me with it even after explaining to him why I had the right to ask for it and for him to provide me with that information. He then hangs up the phone on me! I call again and as my experience has taught me, I asked for a supervisor, aware that my situation might be too complicated for the average representative and was answered by XXXX ( ID # XXXX ) who after hearing my complaint about the prior phone call and experience with the supervisor, filed a complaint for me and provided me with Complaint Number XXXX as its reference. XXXX and I were beginning to dissect the situation as to the validity of the bank debiting my account and closing the investigation citing that the credit slip which was being used as a reason could not be provided in the first place because that is specifically the reason why the dispute was made and that the merchant has refused to give back the money. This, to me, meant that XXXX actually read my explanation and went through the documents I sent. This is contrary to what another supervisor, named XXXX, has said after I have inquired about the meaning of a valid credit slip, he simply said that a credit slip is something that should state that the merchant is refunding the amount and without it there's nothing CITI can do regarding my dispute. I asked him what then is the purpose of disputing a charge that is considered fraudulent, sending all pertinent information, taking the time and effort to explain the situation in writing and the so called investigation you are conducting if all I had to do was get a credit slip? XXXX starts to mumble just like the very first representative i spoke with but ignores the question and presents an attitude as if he's tired of answering my questions and concerns. Unfortunately, after XXXX said that he needed to bring the subject to another colleague so that the proper corrections will be made, we were disconnected. I tried to call again to get transferred to him but the representative by the name of XXXX said that it couldn't be done. XXXX insisted that I tell him the situation and the reason for my call. I asked XXXX for his ID number and explained why since his name is especially very common but he declined to provide it and even laughed at me when I tried to persist. He even said while mocking me " you can ask my supervisor his ID number and he MAY give it to you but I'm not going to give you mine! ". Frustrated by all this, I hung up the phone before speaking to another supervisor that I requested. I finally had a chance to speak to an XXXX ( ID # XXXX ) who was pleasant enough to ask to allow him to assist me since he was with the dispute department and offer that if I should wish to, he can also connect me with another supervisor. his tone was pleasant enough that I allowed myself to explain again for the nth time the situation and he confirmed what XXXX and i had discussed regarding the credit slip and suggested that I send another letter which included the same attachments I sent the very first time as that was the proof needed and to appeal the case and to have it reopened again. He said not to worry about the {$170.00} as that has already been reopened and to just concentrate on the {$1700.00} which will be debited. I had told him that I would send the letter of appeal and just include the original letter plus the attachments with it and he said that it would be sufficient and for me to call in 48 hours to confirm that the documents submitted has been uploaded. Sadly, after everything that has been said and done, I'll believe it when it actually happens.
My question is, with what XXXX has said, did anyone actually read and take into consideration the initial letter and the attached documents as proof that the transactions were legitimate or did the dispute department just simply rely on the 'valid credit slip ' that I could not possibly provide to make their decision? Is the Dispute Department being negligent to actually do their job of providing service for CITIbank clients and 'investigating ' the dispute with due diligence? I was on the phone trying to get some answers and correct what I perceive to be a mistake regarding the handling of my dispute for about three and a half hours yesterday and only a couple of people, out of the more than a dozen representatives and supervisors, gave me the courtesy to actually listen and address my concerns. But even then, because of the numerous contradicting information given to me, I have lost trust in your customer service and dispute department which is truly unfortunate because despite having some exceptional people in these departments, it has been marred by those that give false, incorrect, and deceptive information and additionally, the ones that would rather escalate an already sensitive situation with aggressive, arrogant, argumentative and dismissive behavior. Aside from the branch, these customer service people who answers the phone are at the forefront of representing CITIbank and if this attitude goes on without repercussion or accountability then it reflects the same attitude that the company has towards its clients.
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| 06/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I, XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau to assure that the rights granted to me under the Fair Credit Reporting Act ( FCRA ) 15 U.S. code XXXX are fully enforced. I assert that the creditor ( CBNA ( CITIBANK , NORTH AMERICA ) ) and reporting agencies ( XXXX, XXXX ) have directly violated the provisions of the FCRA by the specifics of each instance of violation are outlined below, along with specific citations of Title 15 of USC Code, 1681 and 6802, as well as 12 CFR where I believe my rights have been violated. I will also provide a PDF file of this text, in the supporting documents section, for greater clarity and clearer formatting.
As a consumer, I have suffered from the negative, deleterious effects of these infractions and I hence request punitive damages and reparations be provided to me to remunerate my losses, which I will summarize in an attached PDF file, titled CFPB Consumer Finance Protection BureauXXXXCBNA_CITIBANK-NORTH AMERICA_XXXX-2023.pdf ( This Document ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ According to the Fair Credit Reporting Act 15 U.S. Code 1681 - Chapter 41 > Subchapter III 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
My assertion is that they have violated this by the detailed issues/violations set forth in the following : ISSUE VIOLATION ( 1 ) 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) Reasonable procedures states : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
My assertion is that their process has in no way been fair and equitable to me, the consumer, specifically with regard to the confidentiality, for these items are now a matter of public record, without my prior knowledge or agreement.
15 U.S. Code 1681 : This represents 1 violation per each of the 3 reporting agencies XXXX, XXXX, and XXXX ( 3 total ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 2 ) XXXX, XXXX, and XXXX XXXX are consumer reporting agencies and I am the Consumer. I assert that I have the right to have assurance that my private information is not shared- which is backed by : 15 USC 6801 ( a ) Privacy obligation policy which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
It is also backed by Privacy Act of 1974 ( 5 U.S. Code 552a ) Records maintained on individuals which states ( t ) ( 1 ) Effect of Other Laws.-No agency shall rely on any exemption contained in section 552 of this title to withhold from an individual any record which is otherwise accessible to such individual under the provisions of this section.
( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; CBNA ( CITIBANK , NORTH AMERICA ) is a financial institution by definition under Title 15 USC 6801 ( a ).
My assertion is that they have violated privacy obligation policy by making these reports, which are now publicly available, and have not protected my security and confidentiality.
This represents ( 4 ) violations : 1 with XXXX XX/XX/XXXX, and 3 with XXXX, XXXX, and XXXX XXXX of XXXX ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 3 ) Further, under 15 USC 6802 Obligations with respect to disclosures of personal information ( a ) Notice requirements states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
My assertion is that CBNA ( CITIBANK , NORTH AMERICA ) has reported to XXXX XXXX XXXX XXXX and to XXXX, XXXX, and XXXX on XXXX of XXXX and have done so without my written consent.
This represents ( 4 ) violations by CBNA ( CITIBANK , NORTH AMERICA ).
ISSUE VIOLATION ( 4 ) 15 USC 1681 section 604 ( a ) section 2 states that : In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.
CBNA ( CITIBANK , NORTH AMERICA ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX the Reporting Agencies do not have my consent to furnish this information and they surely do not have my written consent.
CBNA ( CITIBANK , NORTH AMERICA ) has reported to XXXX : XXXXXXXX XXXX XXXXXXXX and to XXXX, XXXX, and XXXX : XXXXXXXX XXXX XXXX This represents ( 4 ) violations by CBNA ( CITIBANK , NORTH AMERICA ) Any and all consent to XXXX, XXXX, and XXXX by CBNA ( CITIBANK , NORTH AMERICA ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. ( See attached Opt-out supporting documents ) Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time.
I am opting out of reporting services from the 3 Credit Reporting Bureaus. See supporting documentation in the attachments.
___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 5 ) Further, 15 USC 6802 ( b ) ( 1 ) states that : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
CBNA ( CITIBANK , NORTH AMERICA ) never informed me of my right to exercise my nondisclosure option under any of these XXXX preceding options.
This represents ( 1 ) violations by CBNA ( CITIBANK , NORTH AMERICA ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 6 ) Not only that, but also 15 USC 1681C ( a ) Information excluded from consumer reports ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
This reporting is an adverse item they are reporting again without my permission which is against the law.
CBNA ( CITIBANK , NORTH AMERICA ) has reported these adverse items to XXXX : XXXX XXXX XXXX and to XXXX, XXXX, and XXXX : XXXX of XXXX This represents ( 4 ) violations by CBNA ( CITIBANK , NORTH AMERICA ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 7A ) 15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( l ) Prohibition ( A ) Reporting information with actual knowledge of errors states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I have reason to believe this information is innacurate, and CBNA ( CITIBANK , NORTH AMERICA ) has not provided me the chance to rebut their assertions that the information is accurate.
CBNA ( CITIBANK , NORTH AMERICA ) has reported these adverse items to XXXX : XXXX XXXX XXXX and to XXXX, XXXX, and XXXX : XXXXXXXX XXXX XXXXXXXX This represents ( 4 ) violations by CBNA ( CITIBANK , NORTH AMERICA ) ISSUE VIOLATION ( 7B ) CBNA ( CITIBANK , NORTH AMERICA ) has clearly not done their diligence in communicating with me in writing to confirm the accuracy of their information.
This represents ( 1 ) violations by CBNA ( CITIBANK , NORTH AMERICA ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 8 ) 5 U.S. Code 1681e ( a ) Identity and purposes of credit users states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
I assert that XXXX, XXXX, and XXXX are in fact not maintaining reasonable procedures.
This represents 1 violations each ( 3 total ) by each of these 3 reporting agencies.
___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 9 ) 15 U.S. Code 1681 ( b ) states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
The consumer reporting agencies of XXXX, XXXX, and XXXX have never provided me with such written instructions. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
This represents 1 violations each ( 3 total ) by each of these 3 reporting agencies.
___ ___ ___ ___ ___ ___ ___ ___ ___ ___ On the CFPB complaint next screen What would be a fair resolution to this issue?
Immediate deletion of all account negative reporting and XXXXXXXX XXXX $ per violation of the FCRA and 15 U.S. Code 1681n - Civil liability for willful noncompliance My accounting of the totals follows in an attached PDF file called XXXX, XXXXXXXX XXXX_CBNA ( CITIBANK, NORTH AMERICA ) _ViolationAccounting_2023-06-22_15-57-58.pdf
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| 07/24/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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RESPONSE : XX/XX/2018 Per XXXX and Citibank Unauthorized Transfers from XXXX XXXX XXXX To Whom It May Concern : Per conversation with both banks they admitted that these schemes involving bank fraud is happening to thousands of people. Meaning its not safe, yet how could it not be comprehensible and obvious that these scammers are targeting banks for the reason that there is a flaw with their External wire transfers service.
The incident began when the first {$1000.00} was allowed to be transferred to my bank account without signatory validation. These banks gave me the money from what I believed was another business/ persons account and a confirmation number which indicated to me that : my name is on the account, the account has the requested funds, I am authorized and this was a valid transaction. There were no messages that stated anything otherwise.
>External wire transfer means that money is being taken from an outside bank account and its being put into another bank account. Two bank accounts are involved for bank to bank transfers.
An External wire transfer service is what was used when funds were transferred from outside bank XXXX XXXX to XXXX XXXX and Citibank. However XXXX commented in their response about an ACH system, Im not familiar with ACH system definition, system origination, who uses it and for what reason.
A loophole for unverified fraudulent transactions to occur exists and its allowing scammers to take advantage and nothing is being done to stop this fraud. I believe that the stolen bank account numbers were used by scammers because they knew the banks were not going to verify whether or not the accounts were authorized before funds were transferred, and that banks delayed verification without notifying consumers, this is the loophole, and they were right!
XXXX response letter dated XX/XX/2018 stated it takes 60 days to dispute a withdrawal to verify whether or not sender/receiver is authorized. First of all if it takes this time frame to validate an account, then no funds should have been put into my account until verified especially due to the awareness of fraud occurring this rapidly by this means. If banks know these rules they could of used a hold or alerts to control and stop fraudulent banking. Second, the message given with the confirmation numbers after transfers, has failed to educate nor mention this essential 60 day rule. This may have provided protection for uneducated consumers.
The point of my complaint is to show : If I go to a bank and ask for money from another persons account it would be inconceivable and an error that an educated bank would give me access if Im not the owner. This is the basics of the banking the foundation, they the banks are in control not I.
Note : These banks are attempting to misdirect blame for these fraudulent banking schemes on uneducated consumers ; the person who made the purchases ; the online fraudulent probationary employer who stole the bank account numbers and blame cell phone mobile banking. However these are all trivial, impractical, an improbability and smokescreens to not take responsibility for the real problem which is they have created loopholes for banking fraud to occur. My purchases are the outcome initiated because I received $ XXXX funds from these banks without them verifying bank account ownership.
Thus the error and elephant in the room : If I go to a bank or ATM to withdraw funds they would verify owner before and not 60 days after giving me the money. A response to accept a withdrawal from an account is immediate after a common sense owner validation it would be either rejected or allowed- no in-between delayed responses/confirmations. If this process is no longer being used then consumers are not being educated.
Ive not been educated about any other banking policy/protocols, therefore what has changed from then to now has not been disclosed. As far as I know, banks would require of someone trying to access another person 's account to be a signatory to that person 's account. This was accomplished thru a " signatory index card. The bank would pull the index card and confirm the ID presented from the requestor on the index card, if they were not, the transaction would be immediately denied. However with these online banking transactions consumers are not aware/ educated/mislead that the External bank accounts are not being verified before funds are transferred to their bank account.
Show me my name was a signatory on any of the bank accounts before these banks initiated transferring money to my bank account. Only banks control account owner verification however they are delaying this process without informing consumers. If this system was still in place and the banks didnt provide the unauthorized money supply " none of these fraudulent transactions '' would have ever made it thru the banks front door.
Citibank Response statements XX/XX/2018 : Sent a letter to the customer to explain that payments totaling {$18000.00} were made to their The Home Depot account with bank account information submitted by the customer via our Account Online service and the payments were returned XX/XX/18 as unauthorized.
Citibank Letter XX/XX/2018 : " When a payment is made to your The Home Depot account via Account Online, a confirmation number is provided for the payment after it has been submitted. Citibank then submits the payment to the financial institution on which the payment is drawn and the payment may be returned due to various reasons. '' Citibank admitted above in their response dated XX/XX/2018, that when funds/payments are transferred from an External Bank Account Online ( XXXX XXXX ), a confirmation number is provided after the payment is submitted to my bank account. They further state Citibank then submits the payment to the financial institution on which the payment is drawn and the payment may be returned due to various reasons.
Here lays the problem with these transactions : Citibank put funds into my bank account Before verifying if I owned the External bank account then After they depositing funds they submitted a signatory verification request to XXXX XXXX XXXX. Meaning they give me the money to spend before verifying I was authorized without warning funds were never verified. I Respectfully disagree that these protocols were within my control.
Conclusion : As I have stated Only banks control account owner verification and who an account belongs too. Im not responsible for these banks putting funds in my account if I was not verified as a signatory on External bank account.
What initiated the fraudulent transactions was the bank putting funds in my account without disclosure it was a bank loan because they were unable to verify if I was a signatory on External bank account. The $ XXXX funding for purchases came from these banks not I. It was their responsibility to verify sender/receiver before providing funding into my account this shows the system is flawed. If bank account verification cant be done before a transfer then consumers will need to be warned because there are no consumer protections being provided by banks to stop these increasing fraudulent schemes creating victims like me.
Confirmation numbers are given for External payment transfers without verifying authorization and this is misleading consumers to believe that the transfer is safe. There are no messages/education that confirmation numbers were bogus because it only shows that bank put funds in your bank account and not that the transfer is authorized.
XXXX responded, it takes banks 60 days to flag yet they allow External transfers to continue with misleading confirmation numbers when what would have protected consumers was placing a hold then validate or providing education for safety protections. I the victim should not be held responsible to pay for fraud banks are allowing and based on the interest thats going to be charged on the fraudulent balance, they will be profiting.
When these transactions were submitted, I had no knowledge/education that I was being given random funds meaning bank loans until the External bank account signatory could be verified nor the time it would take of 60 days for verification ; I did not request a loan until a verification could be completed nor did I agree or signed a promissory note to pay back the funds if determined to be unauthorized. As stated, I only received a confirmation number from XXXX and Citibank bank that the funds were transferred to my bank account from the External XXXX XXXX bank account> This indicated to me that I was authorized and the bank accounts were valid. If instead of holding the transfer until verified they processed a bank loan then this was without disclosure that they were doing so and without an agreement that I would owe the bank if funds were found to be unauthorized.
I firmly disagree that I was involved in this process nor in control or responsible for these banking undisclosed business practices. These banks were unauthorized to put funds in my bank account without disclosure that they were bank loans. Giving a bank loan before verifying signatory was not what the advertised intent of the External wire transfer transaction used. Confirmation numbers were Falsely given to mislead that the bank account transfer transaction was valid. When in fact it was never verified and it actually takes months to verify. There were no consumer warnings that these banks were unable to validate the bank account ownership and the money transferred was just bank loans until they could validated signatory. Additionally if the transfer is found to be unauthorized the consumer will have to pay back the bank loan, this was never disclosed. Therefore I should not owe for the fraudulent balances because these banks gave funds without notice/agreement that they were loaning me the money ; that was spent, months before verifying signatory of the External bank accounts. They improperly gave me the money without disclosure then say its my fault- Further that I owe them back the money because it was spent. Banks are in control not I the victim of these banking errors.
Status of my accounts : XXXX : Response I have to pay because of purchases made. They have not accepted a payment plan until issue resolved. They stand to profit by charging interest and fees on the fraudulent balance and they continue to lock my savings.
Citibank : Closed credit without warning claiming the notice attached to their response to this complaint was mailed.
The reason for closing my account they sited is for : One or more occurrences of late or returned payment in the last 6 months.
So they are trying to ruing my credit because they allowed unauthorized funds into my account before verifying signatory and without warning. Now blaming me.
Citibank also stated I have to pay for fraudulent balance because I made the purchase. Note they also stand to profit by charging interest and fees on the fraudulent balance.
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| 06/02/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Bounced checks or returned payments
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Web |
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Title : Citibank blames the victims of crimes and allows for criminals to get away with the scams they orchestrate.
Today 's Date : XX/XX/XXXX To Whom it May Concern, I was scammed in XXXX of XXXX in the amount of {$2200.00}. The way Citibank has handled this scam has been nothing short of stressful, deplorable, and down-right baffling. The lack of communication between departments and the lack of communication between myself and those departments have either been non-existent or when existent, extremely confusing. Their inability to connect me to the correct departments through physical mail and through the customer service line was an absolute nightmare. In this letter, I will be thoroughly explaining all instances in which Citibank has failed in customer service and has made a victim of a crime pay for the actions of the criminal even when there was an on-going police investigation.
When I was scammed I was a XXXX XXXX XXXX. A new one simply trying to earn some money. I began in XX/XX/XXXX and in XX/XX/XXXX I was lucky enough to finally find a steady job as I had been unemployed for 3 months. The job only paid {$37000.00} a year ( before taxes ). To say the least, I am not made of money. A woman contacted me to buy products from me for her step-daughters wedding. ( I have the statement I gave to police along with the police report ). Long story short she said she messed up the check. She convinced me to deposit the check and then send the money to a separate account that was apparently the wedding planners because she had included the wedding planners payment in the same check as my payment for the products she was ordering. She did this to steal the money from my account. Citibank was not able to catch the fake check even after TWO separate deposits were made into my account over the course of 5 days after depositing the check at a Citibank ATM. When Citibank finally discovered that the check was fake, my account was frozen, but luckily I was smart enough to remove most of my savings ( which was only around {$1200.00} ), leaving around only {$250.00} in my savings account. As I mentioned earlier, I am not made of money, therefore there was no money to steal, and my account went into the negative over {$2000.00} after the check bounced ( I believe I may have had {$35.00} in my checking account at the time ).
After seeing my account had frozen I went into a panic, called Citibank, and I was told that I couldnt do anything and that I was responsible and I owed Citibank the money now. Money I didnt steal. Money that was never mine since my account was now in the negative due to this criminals manipulative and heinous actions. I can only imagine how many people around the US have had the same issue happen, and are now in debt literally paying for the actions of a criminal.
After having a full blown XXXX XXXX since I had no money already and now was thrown into {$2000.00} worth of debt, I got on the phone with Citibank again to file two separate claims. As I mentioned earlier, there were two deposits that went through and both were sent separately to the wedding planner. One payment via bankers check ( I have a picture of the check and the receipt and the account numbers I was asked to send it to ) and one payment via XXXX payment ( I have a picture of the receipt ). The bankers check case was for {$1800.00} and the XXXX payment case was for {$400.00}. The next day I filed the police report. The next few months were probably the most stressful, frustrating, and depressing months of my life dealing with Citibank and their lack of customer service and common sense.
I may have called Citibank 12 times between the months of XX/XX/XXXX to the end of XX/XX/XXXX. Every time I called I was either transferred to the wrong department ( a rep said quote : they always do that. ), given the wrong information to support my claims, was told that the letter I sent was never received, and I had sent it to the completely wrong address ( a letter that contained account information, case # s for Citibank, and my police report number and my address ), and the most frustrating part of it all was that on one of my last calls with Citibank, I found out the large claim I made for {$1800.00} was actually closed months ago even though on my last 9 calls I was told it was still active. Even though I had asked in XXXX why I got a letter in the mail saying that the claim was denied under the category of forgery BECAUSE I PRESENTED ID AT THE BANK and they told me that they didnt know what letter I was talking about ( I HAVE THE LETTER ). THE CLAIM HAD ABSOLUTELY NOTHING TO DO WITH FORGERY OR IF I WAS THE PERSON DEPOSITING AND REMOVING MONEY FROM MY ACCOUNT. MY CLAIM WAS IN THE WRONG CATEGORY. It is important to note that my large claim was denied only 3 days after I gave Citibank the police report number. The police categorized the case as XXXX XXXX. I am amazed at how quickly Citibank was able to complete their investigation when the police hadnt even started theirs.
This is what these scammers do. They get the person to do all the work for them so that the victim is left crying on the floor having a XXXX XXXX being told she is now responsible for the negative balance, while they enjoy the money they just made. Criminals/Scammers have been profiting off of this loophole Citibank has never closed and instead of closing the loophole they attack the victims.
It was in this call that I also found out I had been given the wrong number to call when trying to get updates on the {$1800.00} claim. The {$1800.00} and {$400.00} claims were actually in different departments which I was never told about, AND the numbers on the letters I was getting in the mail were not even the correct numbers! How is one supposed to be productive if they are never given the correct information? How is one supposed to resolve issues when departments that have nothing to do with each other are giving information they dont have, are not privy to, or are not up to date with because IT IS NOT THEIR DEPARTMENT? This call was also where I filed my first complaint with Citibank.
Due diligence is another thing that is not taught at Citibank apparently. I had to explain my story to a new customer service rep, sometimes multiple times per call, every time I called because notes were not being taken properly. Additionally, I have few letters telling me to contact the CRIMINAL that SCAMMED me in order to figure out where my money is. Additionally, I never received the letter I needed to send back with a copy of my police report because the vaguely named back office has their ways and already got my police report. Truly laughable.
Fast forward XX/XX/XXXX, I still hadnt received the information on how to get my remaining funds out of my savings account mind you, I get a statement in the mail saying my account is now at zero. In the middle of a global pandemic, CITIBANK REMOVED THE FUNDS FROM MY SAVINGS TO SETTLE DEBTS IN MY CHECKING ACCOUNT WHICH WAS NOT AUTHORIZED. This is where I filed a second complaint with Citibank. I was also informed that the investigation for my claims was still under investigation ( even though I was told after I appealed it that it got denied again and the investigation was closed ) and I was told that if the investigation went in my favor the money would be returned. Why is my money being moved during an active investigation in the first place? Why was I never given the provisional credit I was promised either in the beginning? What is going on??
Citibanks Faults : 1. Incorrect information given on the status of on active claims ( repeated offense ) 2. Departments giving out information that is not part of their department ( repeated offense ) 3. Inability to transfer a customer to the correct department ( repeated offense ) 4. Victim Blaming 5. Moving money without the customers permission 6. Giving incorrect addresses where to send delicate information that includes full name, case numbers, police report numbers, address, and telephone number of customer. ( and apparently never receiving it even though it still went to a Citibank corporate address, albeit the wrong address, but still a corporate address where Im sure it could have been located ) 7. Lack of due diligence. ( repeated offense ) 8. Incorrectly categorizing claims, making the process even longer.
9. Disorganization ( repeated offense ) 10. Incorrect phone numbers given on letters from Citibank updating the customer on the status of their claims. ( repeated offense ) 11. The inability to properly inform a customer on what department to contact when trying to obtain information ( repeated offense ) 12. Telling the customer to contact the criminal that scammed said customer even though the customer told Citibank numerous times to stop doing that for obvious reasons.
I was a customer of Citibanks for five years ; my credit score is a XXXX according to XXXX XXXX and a XXXX according to XXXX. I pay my bills on time and I have always been a model customer to all banks. Never in my life did I think a bank would blame a victim of a crime for being a victim of a crime. It is absolutely nauseating. And to have it all handled so poorly. Beyond upsetting. They moved the money from my SAVINGS to pay off a debt a CRIMINAL created and used me as a puppet to do. I am LUCKY that I decided to move to another bank because I fear that my stimulus check would have been taken as well.
Citibanks entire Code of Conduct is 56 pages worth of LIES. I would quote from it, but that would be pointless seeing as I would have to copy and paste the entire PDF onto this word document.
I am not paying off debt that is not mine. I am not giving my money to a company that blames the victim, frequently provides false information, and does not live up to their Code of Conduct. The purpose of their claims department is to help those that have been wronged and to provide ADEQUATE, PROPER, LEGITIMATE, and TRUSTWORTHY investigations. I highly doubt that is what their back office was doing.
As a side note : if the transcripts of each call are obtained by Consumer Finance ( I do not have {$2000.00} to pay off a scammers payday let alone funds to pay for a lawyer and get a subpoena ) I would be more than happy to devote my time and read every single 1.5-2 hour long transcript and highlight every single instance where Citibank went wrong to further prove my argument.
Please be advised that I have included multiple appeal numbers for both the {$1800.00} claim and the {$400.00} claim. The number on the name of the photo is simply indicating that it is another photo and it is different from the others that are named similarly. It is not naming the appeal numbers in chronological order based on when they were received.
Thank you for your time.
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| 08/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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To whom this may concern, I have tried resolving this with the company, which I'm unable to get back out here to fix their work, they wanted to pay by cash, I chose to use my card for a neutral 3rd party consumer protection, so I chose to use my Citi Bank ( MasterCard ) Double Cash card. I later discover, this company has been doing this to people in multiple states. I called into Citi, to start the dispute process. I signed all the info and sent it back in. I even called in to let them know I'm waiting from court records from XXXX XXXX Sherriff 's Dept ( OK ) to send me copy of the court report of what had happened in Oklahoma and may need additional time to receive the report and then send it in. They said they'd note my account. I sent them the info I had at the time. I later get an email that they've resolved my case and chose not to refund my money in my favor, regardless of showing inaccurate business info associated with this company, past reviews, court cases and articles showing they've been going state to state doing this to others. I called in and talked w/ someone and they acted like Mastercard already made their decision and there wasn't enough info I sent them. I felt very confused how any company who taken the time to see the info that this company provided me, w/inaccurate business info, multiple address, phone numbers, they haven't came back to as promised, and then later finding they've been doing this in other states and now have came to Utah, doesn't appear like they dove too deep.
I has asked Citi Bank to reopen the dispute, but they still haven't reversed the charges. I've filed a police report with the XXXX XXXX Sheriffs Office ( case # XXXX ), as instructed by Wyoming Consumer Protection Unit w/ the Attorney General 's office, I'll be doing the same here in Utah to hope no one else falls victim to this company making false claims and running off with their money.
Here 's the information I sent into Citi Bank : XX/XX/XXXX : XXXX XXXX showed up at my home late in the afternoon ( approx XXXX ), he saw me working in the shop, garage door up and my forklift there by the edge. I asked him what he wanted, and he said he had some overage asphalt from a home they were doing in the area. He said it was too good of a deal to pass up. He'd do it for 1/2 of what the cost normally is. He said it was road grade that they use in the streets, small particles. He saw my equipment and said this would be great for my forklift. I asked him for some time to think on it and talk w/ my partner, but he was very pressured, and said he needed an answer now. I wasn't getting a very good feeling, and felt like I didn't have an option, I explained it wasn't the best time for me, I needed to get to work, and costs I wasn't planning on spending at the moment. He said he preferred cash but would take a credit card for a {$400.00} fee.
He promised his work and said I didn't have to pay until completion and that if I wasn't happy he wouldn't charge me a thing, it was a no lose situation and it would help him out in using material that would just go to waste. He said it normally would be over XXXX + and he'd do it for $ XXXX. He even offered to move all my trailers, prep the area, compact it and move it back. Once they started working, I had to run over to a close by appt and he started calling me saying he needed payment and when would I be back. I told him I was close by and would be back shortly. I was confused why he wanted payment if they weren't done. He started getting frustrated with me and wanted to leave and wanted the payment. I gave him my card info, he sent me to his brother 's vehicle XXXX that would run the payment. I asked for a receipt which they were hesitant to give me. After I paid, XXXX immediately left and a few min later XXXX left as well. Leaving the couple of workers there to do it. I thought that was odd, but they did promise to guarantee their work. It started getting late into the XXXX, dark and hard to work, I felt like because of it getting dark they were rushed and wanted to leave. I even started to help them.
XX/XX/XXXX, the next morning, when I went out and looked at it, I noticed rocks and pebbles all over the place, pieces of asphalt in the road, unlevelness and holes. This was not the work I was promised. They said they would level the material, prep it, and clean up.
XX/XX/XXXX, I reached out to XXXX about the concerns I have with the job performed, that I hadn't seen anyone come back to clean up. I explained to him that it didn't seem like it was setting up propperly and flaking off, all the rocks. He replied back via text that he'd come and look at it. I didn't " hear back after that.
XX/XX/XXXX : I replied back to XXXX via text asking him when he could come and again I expressed concern about the problems I was having. He got defensive and said it hasn't even been a week yet. XXXX arrived at the house to look at the concerns and promised to return w/ his crew to do the repairs and clean up the area.
XX/XX/XXXX I followed back up with XXXX, sent him a text, tried calling asking him when he can come back. No response. I gave him 24 hours to get back to me before filling a claim.
XX/XX/XXXX, After not hearing back from XXXX, I filed a dispute w/ my credit card company Citi.
XX/XX/XXXX - XX/XX/XXXX : I started looking at the information provided to me, the phone numbers they used to call me, info on their flier, receipts to see what I could find out about this company if anyone else was having any other issues. I quickly learned I wasn't the only one. Between multiple addresses, business names, complaint after complaint. I came across some news articles one from Oklahoma and another one from Wyoming where similar instances to mine occurred w/ this outfit. Just under a different name. I called the hotline # that was in the article and spoke with the consumer protection unti w/ the attorney general. XXXX reached back out to me and shared info about these XXXX that have been going state to state and scamming people. He was also interested in info where they've been trying to locate them to get $ $ from a judgement against them. The other news article I read, lead me to XXXX XXXX Ok, where there were criminal charges brought against them and I have requested the case files which they'll be mailing to me.
XX/XX/XXXX I had another asphalt company come out to look at the work performed by XXXX XXXX to get a second opinion and to see how much it would cost to fix. XXXX XXXX came out and said it's not a matter of if just when all of it would need to be replaced. He said this happens a lot, companies coming around going state to state claiming they have leftover material that they would sell for 1/2 price. And take peoples money and leave, often not even completing the work. He said in order to the work properly, the gravel/dirt needs to be removed, 6 '' of road base put down and then the asphalt, He said if these guys showed up about XXXX in the evening and left shortly after XXXX, there's no way it was done and will last and hold up. The size of area they did, that I paid for would take approx 2-3 days to do it properly. I day of prep work alone, another day binging in the road base and the last day to pour it and roll it and cool it off.
XX/XX/XXXX : I Called & talked w/ XXXX XX/XX/XXXX in dispute dept. I explained I may need more time to get the reports back as requested by Wyoming & Oklahoma district attorney from other incidents that I have become aware of from this outfit while I was trying to do some research and see if anyone else was having problems with them. I will get that over asap. But prior to them sending the report to me they want me to mail a check to them for the report and then they'll mail the report to me. I did attached their invoice for the report that I requested.
XX/XX/XXXX : Emailed over the info I had at the time as per XXXX XXXX instruction and let them know I'd send over additional information once I had received the case report back from XXXX XXXX that has details of the case that they did in Oklahoma.
XX/XX/XXXX : My doorbell rang, I went and answered the door. XXXX XXXX XXXX was driving by and said he saw the asphalt work and asked who did it that it looked horrible. With all the loose rock it's not going to last the winter and wanted to do a seal coat. I explained the problem I had with this crew that showed up and said they were doing work in the area, took my money and hadn't come back to fix it. He said it's impossible to fix where they didn't do the proper prep , road base, level, compaction and then putting down. He wanted $ XXXX {$1500.00} to do a seal coat to try and stop all the loose rock from falling out/off. I told him I couldn't afford to do anything yet while I was still working on this with my credit card company. This was the second professional opinion on a shotty work that the XXXX XXXX did.
XX/XX/XXXX : Contact Citi Bank to find out additional information that was needed. I wrote this email, with further description of the timeline.
In conclusion, I don't have a signed contract, they wanted cash, I paid with my card, goods/services were not as promised and they have not come back to complete/finish the work. I've had two professionals come out and give me their opinion, the product partially completed will not last or hold up, come winter all the water, snow and ice will get into all the holes and pits and will freeze and break up the asphalt, hence why it needs to be flat/level. They also promised me this would be great for my forklift, which the other two asphalt companies said no, for a forklift you need to do concrete. If I would have known that I would have not agreed to do it.
Please let me know what I need to do, I'm very frustrated that I have explained what happened, I have a voicemail from them promising the work they would do, I have submitted pictures with this email, included the case details from wyoming dept of consumer protections unit against the XXXX w/ the docket number. I have found evidence they're going state to state and doing this. They have a judgment against them trying to collect thousands of dollars to past people they have taken advantage of, I'm not the first. I have included reviews I found online of people sharing their stories, I have shown information I have found with multiple business names, differences in address that end up being XXXX boxes. I'm not sure what else to do. If I can not get this resolved with Citi Bank, I'll have no other choice but to hire an attorney, with all this information I '' ve provided, it blows my mind that today 's phone call with Citi Dispute dept that they would need any additional info. They have a pattern of what they are doing to people and it's not right.
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| 07/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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Attention : Citi ERU ( Branded Cards & Non-Branded Cards XXXX XXXX, XXXX, XXXX XXXX XXXX, Best Buy and Home Depot ) Attention : Master Card ID Protection Attention : Citi Ethics Concerns The attached is a disgusting letter and it still has not addressed the CAUSE that led to the problems. Its quite obvious the agent assigned to the non-store accounts ( XXXX ) has some sort of bias applied to my cases. On the other hand, there is a new case opened as of yesterday on the store account by an investigator ( XXXX ). Unfortunately, XXXX does not understand, nor does she believe in Identity Theft. Thats really too bad as I would not wish it upon my worst enemy. In her letter from today she again does not address some very important details.
1. I am the victim of ID Theft that began in XXXX as documented by the police report regarding the theft of my computer at that time 2. Though I did everything in my power to protect my family from any issues, fraud, etc. it appears all for naught. The crooks broke into my information and stole the most precious data they could ; including my familys Social Security numbers, our birth certificates, our drivers licenses and of course our passports as well.
3. What XXXX neglects to understand is that they also found my card data in computer bag or on the completer instelf, since I dont go out with everything when I am out of town. She tends to believe that she is righteous though she hasnt even provided the common courtesy to call me and discuss. On the other hand, XXXX has and he is getter the right information from the real XXXX XXXX where XXXX is believing information from a fraudster that is not the real XXXX XXXX.
4. XXXX, in turn called me on XX/XX/XXXX to advise me that he was reopening all cases because there were obvious issues that were not taken into account ; namely the ID Theft and therefore Account Take over leading to the fraud in XXXX and XXXX for starters.
5. Remember I have submitted proof that I was in XXXX XXXX on Company assignment from XXXX so it would have been very difficult for me to buy any gift cards of any sort at any target, etc. during that time period, which is when al of this took place. REMARKABLE! ( see flight itineraries from XX/XX/XXXX and XX/XX/XXXX as well as the letter from XXXX ( Formerly XXXX ) about a call I made with the XXXX County Sheriffs Office on XX/XX/XXXX. Its quite evident I was not in town via both of those declared statements.
6. XXXX, who has never actually called me to rationally discuss anything has been reading notes and/or reviewing calls from fraudsters. How one could actually believe that I would call from XXXX XXXX, which has been proven by my cell letter and the flight itineraries boggles the mind. XXXX is either reading notes given from the fraudsters or listening to calls made by the fraudsters. She simply does not get it and this case needs to be completely reassigned to a non-biased investigator that actually understands ID Theft and Account Takeover that leads to other types of fraud, including gift cards and bounced ACH payments made by fraudsters from account that have nothing to do with myself and/or family. So far, I have supplied proof from XXXX XXXX that I dont have any records with them for any accounts now or in the far-reaching past. XXXX, XXXX and XXXX XXXX XXXX XXXX have now confirmed the same so all of your ACH bonces are fraudulent and were not from myself or my family. I will have these during this coming week and will supply once received. ( see XXXX XXXX info attached ) 7. I was not in the US between XXXX so going to Target, etc. during this time frame is not at all possible. Id have to be superhuman to have been in XXXX XXXX working and in XXXX at the same time. Never mind in XXXX where XXXX has verified calls came from while I was out of country. Even then, XXXX is Thousands of miles from XXXX and it would have been impossible for me to be in a XXXX Target during that time. But, alas, I was in XXXX XXXX and did not make the calls XXXX references on XX/XX/XXXX to Citis Customer Service Department. This is all a big fat fraud and XXXX is allowing it to happen to a very good customer, citizen and family. XXXX needs to be retrained in ID Theft, Account Take over, Fraud and ACH bounced payments.
8. Additionally, I supplied two letters this past week. One pertained to closing my Best Buy Account in XXXX because I was not pleased with a small charge, appearing to be fraud, that Citi marked as late. Rather than fight this and waste the time we have with this issue, we paid it and disputed it. Citi did nothing and we moved on. This Best Buy account should never been open and Citi CREATED FRAUD THAT SHOULD NOT EVEN HAVE HAD AN OPEN ACCOUNT. What kind of protection for customers is Citi doing, NONE? The second letter pertains to a letter I sent in XXXX advising not to take any 3rd party payments from anyone, unless authorized in writing by myself. This didnt happen of course and Citi began taking payments by a person who had stolen my familys identity and taken over my accounts. How is this Citi? Why did you go against my requirement? Are you really that bad at updating customer accounts properly? Wow, that letter was 10 years ago and seeing that none this type of fraud had taken place I thought you heard me and did as I required! You didnt though and you opened the door to even more gift card fraud and 3rd party payments as time went along. How shameful!
9. On or about XX/XX/XXXX our community mailboxes were hit by mail fraud ( see pictures attached ). While asking my wife for the mail key at the beginning of May she advised that they had been broken into and all mail was stolen from all residents! I let Citi know of this at the time but still it does not seem to resonate with XXXX at all. In this case, there were a new set of fraudsters XXXX amazing ). Citi allowed one of these fraudsters to make a purchase from XXXX Florida from a Company called XXXX XXXX XXXX. Well as I have said, first I live in XXXX, not XXXX Florida so that Card could not have been present. Second, I dont smoke, I am an XXXX and dont condone smoking either. Finally, I dont own a smoke shop, nor do I distribute any smoking paraphernalia. Also, this charge is exactly {$7000.00}! Where is the state and federal tax on smoking items? They are some of the highest taxed items as my research proves. So, did the cigar company eat the tax for 2 states as well as the federal tax as well? And how was my card present? It wasnt! I also received no calls about this and again if Citi did, it was from a fraudster and boy would I love to hear this call because its a lie or a complete farce made up by XXXX of the fraudsters. Are the Customer Service Rep and the fraudsters in cahoots because now this is looking like an inside job! This is very fishy and absolute fraud. Also, just an observation, wouldnt this type of call have been handled by a fraud agent, not a Customer Service agent that knows little about fraud?
10. So, in both of the cases above XXXX calls me a liar and says I contacted the Customer Service Department ( again why customer service when the fraud team are the experts. This make no sense at all and so I am now calling XXXX out ). She really does not understand ID Theft or Account Takeover. In fact, I dont think she should be in the fraud prevention or investigation businesses at all because she is making assumptions without any proof that it was me at all. Yet I have provided proof of where I live, where I was out of the country via my itineraries and letter from XXXX. How strange that I get called a liar without actually speaking to XXXX about any of this? You have a very poor investigator here in XXXX and I never want her reviewing anything of mine in the future but I will subpoena her, embarrassing her in front of the court if push comes to shove! We are getting close!
Finally, I am completely disgusted with all of the lies Citi has now spread about me and all of the many documents I have sent in with 25 complete packages being lost. Citi, you have my PII circling your office and I will sue for that if needed as well. Your defamation of character is also afoot here and it will certainly be addressed. This is ethically and morally a bad and dangerous investigations, that with my job, puts my family in a great deal of risk. As stated before, I will pay my ~ $ XXXX I owe on my AA MC and the ~ {$1000.00} I owe on the Simplicity MC, {$0.00} on the Brooks Brothers account ( it didnt show on my credit so the thieves didnt go after it BTW so Citis hap-hazard protection of its client didnt get tested here. I will also pay the {$1000.00} XXXX no interest period to be extended XXXX on my Home Depot Card. BTW the store did a great job here and shut down fraud for gift cards again by actually calling me ( the real me ) at the beginning of XXXX. As for Best Buy, I closed this account in XXXX and Citi allowed fraudsters XXXX mailbox thieves we believe ) to not only charge over $ XXXX but also increase the limit to {$3500.00}? Then your team has the guts to tell be that I showed my ID and that I verified my identity. Again, this was and is Identity theft. I was in New Jersey at the time at a friends wedding and even showed you proof of my itinerary for that as well. Do you think the fraudsters might have known I was out of town? XXXX proof attached ) I think so!
Anyhow, I ask that all cases be re-opened as the stores side of Citi has done on my MC accounts. I ask that XXXX be removed from the cases altogether and I request that the new investigator call me to discuss all issues, and/or ask any questions they choose. Finally, thank you for the MC agreements on all accounts but oddly enough there is no record of any signature on any of them? Have you lost these records as well Citi? Stop scamming me, stand up for the things you have done improperly, get your investigators retained and I would suggest you fire the one mentioned so often in this letter since they are nor very good at all, have lied a lot and have accused an innocent man and his family who got their Identities stolen, accounts taken over, defrauded and then ACH payments made on their accounts that were not at all authorized, not to mention, Best Buy had been shut down altogether!
Thank you and now I ask for proper investigative techniques and to be cleared of all fraud and wrong-doing in short and long-run. Finally, Citi will restore my cards and will also, and most importantly, restore my good name and credit on the bureaus!
I have also sent in 3 links, another coming, showing ID theft in my direct location is very high due to mailboxes being broken into. I have also sent you pictures of our mailboxes being the same!
XXXX XXXX XXXX XXXX XXXX
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| 01/25/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
Older American |
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) XXXX XX/XX/XXXX, between XXXX and XXXX XXXX XXXX, I received three telephone calls to my cell phone from XXXX XXXX, the number for 24-hour customer service on the back of my Citibank ATM card. The person at the other end of the line identified himself as XXXX from Citibank and told me he was calling because of a suspicious attempted charge on my Citibank card ( my ATM card also works as a Mastercard ). He asked if I was traveling and had I just made a charge for {$300.00} and some change in Florida. I told him no, I was home in Oregon, and that I hadnt been traveling. He told me there were some other recent charges that he had better confirm with me as well. He asked if I had my Citibank ATM card in my possession, so I went to make sure I did. He pointed out that he was calling from the Citibank customer service number shown on the back of my ATM card, which I double checked was the case. He also read off the numbers on my ATM card with the exception of the seventh and final numbers, which he asked me to read back to him, saying that was part of Citibanks process of verifying a customer. He also said they wouldnt ask me for my whole social security number but asked me just for the last four digits.
This was the only identifying information the man requested from me during the entire conversation.
This XXXX said there was a {$5.00} transfer to XXXX XXXX via XXXX and asked if I had authorized it. I said I recognized XXXX XXXXXXXX the editor of a book Im working on, and that I had sent her money via XXXX earlier in the month but not a {$5.00} transfer that day. He had the amount of my transfer to her via XXXX from XX/XX/XXXX, which in retrospect is very concerning because I made that transfer from my XXXX XXXX account, not from my Citibank account. He said there was another one also scheduled for the day for {$900.00} and I said that was not authorized either. He said he was going to send a six-digit code to my cell phone that I should repeat back to him to give him authorization to cancel those transfers.
The text he sent with the code came through on a number on which I had received previous codes from Citibank ( e.g., dating back to XXXX of this year ). He kept putting me on hold and asking me to wait for a few minutes, and I told him I had a guest who had just arrived so I needed to finish this soon. He kept indicating it wouldnt take much longer. He told me my Citibank account had been taken over, the password changed that day and the email and text alerts turned off, which is why he said I hadnt received prior notices from Citibank asking whether Id authorized those charges/transfers. He said there were transfers via XXXX to a XXXX XXXX and asked if Id authorized those. I said I didnt know a XXXX XXXX and certainly hadnt authorized any transfers at all.
He told me that if I could call XXXX XXXX while he was on the line and get the six-digit code from her that was associated with the {$5.00} XXXX transfer to her that day, that he could make sure the charge was canceled immediately rather than having to be credited back to me down the road. I said I had no idea if I could reach her -- that she lived in a different time zone ( XXXX ) and it was late in the day -- but he indicated that would expedite things if I could reach her so I gave it a try. It seemed like an odd request and I told him it sounded like an unusual request. He wasnt insistent that I do it but indicated that it would help expedite canceling the transfers if I was able to reach her and get the number. He indicated he would hold while I was calling her so he could be on the line and I wouldnt have to call back. So I put him on hold and called and XXXX answered right away. She looked and saw a couple of XXXX transfers from me coming to her. She looked for a six-digit code in the messages to her and gave it to me and I repeated it to XXXX. XXXX expressed concern as weve been working together for a year and she is quite scrupulous and knew that I had no reason to be sending her the amounts her texts indicated she was to be receiving that day. Later on through the evening she texted me a couple of times indicating she was receiving even more transfers from me via XXXX. Im attaching screen shots of those messages as well.
He then had me on hold for awhile as he indicated he was reinstituting the text and email alerts from my account. During this time he also was sending me more six-digit codes and asking me to confirm them so he could take care of identifying charges that needed to be canceled. You can see those texts in the attached screenshots. During the conversation he also advised me that I should avoid swiping my card for transactions, that I should use the chip whenever possible, to avoid my number being stolen. I told him I hadnt used the card for some months, and he explained that Citibank had recently been hacked and a lot of customer accounts had been compromised so that might have been how the fraudster got my information. Ultimately I did receive a few emails that appear to be from Citibank, including one that listed three transfers to XXXX XXXX.
When I received the attached Citibank email indicating three transfers -- the first for {$700.00} that it said had been declined, the second for {$800.00} that was said to be approved, and the third for {$1200.00} that it indicated had been declined -- there were two buttons at the bottom of the email. The green Yes button says below it I recognize all of the above, and the red No button has below it the legend, I do not recognize one or more of the above. He told me I needed to put my finger on the green button in order to confirm that the charges should be declined. I questioned that since of the three charges listed, one of them indicated it was approved while the other two stated theyd been declined. But he said the way to confirm that they should be declined was to tap the green button so I finally did.
Forty-eight minutes into the call, while XXXX had me on hold because he was supposedly contacting another department at the bank to reinstate my text alerts, since I told him those had not come through yet, the call dropped. I was about to call back when I received yet another call from XXXX from the same Citibank XXXX number. That was at XXXX XXXX, as the attached screen shots of my cell phone call records indicate. I told XXXX I didnt know why the call had dropped on my end, and he didnt indicate that he had dropped it. I continued to be on with him for another 26 minutes, as the attached call records indicate. During that time, while periodically putting me on hold while he supposedly finished taking care of things with other Citibank departments, he told me that I was being sent a new ATM card that I would receive by expedited delivery within the next one to two days. He said there would be no charge for the delivery and told me that once I had the new card I could get back in to my online account, under a new account number ( which has happened before over the years when Ive misplaced my card or unauthorized charges were made, both with Citibank and my other accounts ). He also said I would receive a call back in the morning from either him or another senior customer service rep from Citibank following up on the corrective steps having been taken to cancel the unauthorized charges and restore the money to my account.
He repeatedly asked me during the second half of the call if I had any questions for him. I said I had a lot -- like How could this happen? -- but that I realized he wouldnt have answers for that. I also asked that he verify the address they had for me for sending the replacement debit card, so that it wouldnt be going to some address in Florida. He repeated my XXXX XXXX address in Oregon to me.
I told him that since I was scheduled for the colonoscopy first thing in the morning, I would be available for the call he promised in the morning. He asked if I would be available at noon the next day and I said it would be safer to schedule that call for XXXX XXXX. He said he was making a record of that in his notes and that I would receive the call at XXXX XXXX the next day -- i.e., XXXX, XX/XX/XXXX. Throughout the call, XXXX seemed not only very professional but also exhibited the kind of personal concern for what appeared to be happening to my account and the inconvenience it and his call with me were causing that one would expect from a well trained, professional customer service supervisor. He repeatedly apologized for having to put me on hold and kept saying it would only take another couple or few minutes. In other words, he was totally believable as a caring, professional Citibank representative -- in stark contrast to what I was to experience two days later from the several actual Citibank employees that I spoke to as described below.
I never did receive the follow up call the next afternoon. I called Citibank at XXXX XXXX on XXXX, XX/XX/XXXX, to get an update on the issues XXXX had called about and to find out why I hadnt received the promise call from Citibank the previous afternoon. It took hours on the phone with the customer service rep and multiple employees in the fraud department but ultimately I learned that I'd been the victim of a fraud and that my credit line had been drained. My account was closed to prevent further activity. The fraud investigation ultimately resulted in the fraudulent charges being reversed. It took me over a month to receive a new ATM card from Citibank that would allow me to access the new account they had set up for me. When I finally did, in XXXX, it was showing {$8000.00} or so in my account and nothing owing on my part. I ultimately closed that account since I have two checking accounts with other banks and no faith anymore in Citibank 's ability to protect the money in accounts with them. I then received a letter from Citibank this week indicating that my checking plus account with them was past due. I called to find out about this and after hours on the phone was finally given online access to see that account and that there was a large balance owing. There was no way online for me to make a payment on the account, but after hours being on the phone today Citibank finally accepted a payment from me on this balance. What I am disputing is a {$25.00} late fee they charged as of XX/XX/XXXX, when I had no access to this account, no way of knowing what, if anything, was owed, and know way of paying. I was transferred back and forth among departments at Citibank on this issue today before finally speaking to XXXX, an account supervisor ( badge # XXXX ) who informed me that there was no one there who could reverse the late fee on my account.
|
| 05/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
In XX/XX/XXXX I was contacted by a person on XXXX claiming to be a binary options trader in XXXX, soliciting me for business to be my account manager. I agreed after some research and investigation and funded an account with the broker the individual assigned me to. The brokers web site is XXXX, and I went to the web site, created an account, and used XXXX to fund the account in the amount of {$500.00}. I checked my account periodically and watched the balance grow. The balance grew to approximately {$3500.00} and it stopped growing. I contacted my account manager via email and inquired as to why the balance had stopped growing. During this time my account manager became very uncommunicative and it was very difficult to get any answer out of the individual. I finally started receiving emails again after approximately 2 months stating that the account manager was ill and that individual was trying to find out what happened with their accounts. Another period of time had passed and after persistent emailing I finally got the individual to respond. My account manager informed me that there was a problem with XXXX and that they moved my money to a different broker at XXXX. I was instructed to go to XXXX and sign up for an account and that I had to fund the account again with another {$500.00}. I funded the account this time I had to use XXXX as this broker doesnt allow XXXX as an option for funding.
One day in late XXXX I happened to log into my old account at XXXX and noticed there was still a balance in that account, so I reached out to them on XX/XX/XXXX. I got a response back on XX/XX/XXXX that my funds have been ready for withdraw for some time now and that they wanted my contact information to put an interim account manager in contact with me to guide me through the withdrawal process. I gave them my information and was told I would be working with XXXX XXXX. I communicated with XXXX XXXX through the XXXX XXXX messenger app, and we began working out the details of the withdrawal.
One of the first things that XXXX XXXX informed me was that I needed to pay my brokers fees before I could withdraw my funds. The fees were 15 % of my profits, so 15 % of {$3000.00} because my total account balance was {$3500.00} minus my investment of {$500.00}. So I told him OK so I need to send you {$450.00}? A day later he responded not its {$4600.00}. I was blown away and quickly asked why are the broker fees more than the profits that I made? He responded that at the last minute through strong signals my account went from {$3500.00} to {$31.00}, XXXX. I checked my account again and it was exactly that. I told him that it would take me some time to gather up that much money and asked him what my options for sending that money are. He informed me that I could use XXXX XXXX, Bitcoin, or XXXX.
A week or so later I informed XXXX XXXX that I had the money and was ready to pay my brokers fees, he asked me which method I wanted to use to pay those fees. I told him I would use XXXX and asked hime for the email of their accountant that I would be sending the money to. He told me the accountants email was XXXX. So I logged on to XXXX and set up a payment to XXXX. I messaged XXXX XXXX when it was done and asked when will I have my money. He messaged me back and informed me that the broker wants to give it to me in Bitcoin that evening and that I would need to go to XXXX and set up a wallet for them to put the Bitcoin in to. I informed him that I already had a XXXX wallet and he informed me that it had to be a new wallet and that I couldnt use an existing wallet. I set up a new XXXX wallet and informed him it was done. A few minutes elapsed and he messaged me that the broker needed the wallet ID and the password. I gave him the information and waited to see the Bitcoin deposited in the wallet. After a few minutes the balance in the wallet began rising.
As soon as the balance stopped rising I got an email from XXXX informing me that now that the Bitcoin is in there I must purchase a private key so I could unlock the funds and transfer them to another wallet that I control. I asked XXXX XXXX how much a private key was and after a few minutes he returned with an answer of XXXX Bitcoin, which at the time was valued at a little over {$10000.00}. I informed XXXX XXXX and the broker that I didnt have that kind of money and that it would take me quite some time to save that much money. I told them I would be in touch when I knew I would have the money to purchase the Bitcoin. The next day I received an email from the broker that they would be willing to us XXXX method to allow me to purchase the private key for {$7500.00}. I also received a message for XXXX XXXX stating that he would be willing to loan me {$1500.00} of the {$7500.00} to help me pay for the private key. I decided to spread the {$6000.00} evenly over 2 credit cards to purchase the private key along with the help from XXXX XXXX. I asked XXXX XXXX if I could send the money via XXXX and he said yes. I logged on to XXXX and set up the payments to XXXX and informed XXXX XXXX that I had made the payments and inquired as to what would happen next. I was informed it would take 3 hours for them to generate the private key.
I waited for several hours and messaged XXXX XXXX as to the progress of my private key and he said it should definitely be ready by morning. The next morning I had an email from the broker that my private key was ready and that I could now transfer the Bitcoin to any wallet I wanted. I logged into my XXXX wallet and proceeded to transfer the Bitcoin do a different wallet that I set up previously on a different wallet website. I went through the steps of transferring the Bitcoin and then it said that the private key wasnt valid. I emailed the broker and XXXX XXXX and informed them that the private key was not valid and asked what was going on. After some time had passed I got a response from XXXX XXXX that the broker wanted my wallet ID and password again so they could go into my wallet and find out what went wrong. A few minutes later they came back and said that XXXX XXXX was supposed to have had me pay for my private key with Bitcoin through the XXXX wallet and not through XXXX because that act of paying through XXXX would activate my wallet. They then informed me that I would have to deposit XXXX Bitcoin into my wallet to activate the wallet.
I borrowed the money from family and a week later I had the Bitcoin I needed to activate my account. I contacted XXXX XXXX as well as the broker and informed them I had the Bitcoin and asked them for explicit directions on how to transfer the Bitcoin into my wallet to activate the wallet. I was told by the broker that XXXX XXXX was capable of helping me with that. I was messaged by XXXX XXXX and was told all I need to do is transfer 1 Bitcoin into my wallet and that would trigger the activation. I transferred the Bitcoin into my XXXX wallet, informed the broker as well as XXXX XXXX that it was done and awaited the news that the second private key would be generated so I could transfer my Bitcoin into another wallet.
Several hours had passed and I hadnt heard anything so I messaged XXXX XXXX. He informed me that the XXXX Bitcoin that I transferred to my wallet was not enough that it was {$2.00} short of a full Bitcoin because of a transfer fee that no one told me about. So I asked what can I do about it, can I just put in a couple dollars to make it a whole Bitcoin? I was told that the only way to activate is if I put in another Bitcoin. I informed them that I didnt have the money to purchase another Bitcoin as I had to borrow the money from family to purchase the first Bitcoin. They told me to let them know when I had the money to buy another Bitcoin so they could generate another private key. I said OK as I had paid this much money and now owed money to credit cards and family.
A couple days later XXXX XXXX messaged me and told me that there was another easier and faster option to withdraw my Bitcoin and that the broker was working on it right now. He informed me that it wouldnt cost me another Bitcoin but it would cost me some money. I said OK, let me know what you need me to do. After a few hours the broker messaged me and instructed me to go onto XXXX and create another wallet. I created another wallet and waited for instructions. XXXX XXXX contacted me and told me that the broker needed my wallet ID and password, I gave it to him and waited for further instructions. Then they said that I was going to have to transfer {$4200.00} worth of Bitcoin into the wallet, I asked the broker if because of the mistake with the Bitcoin transfer I could send the money to the via XXXX so they could control the manner in which the Bitcoin was transferred, and the agreed so I sent {$3000.00} from one credit card to XXXX and {$1200.00} on another card to XXXX.
The broker emailed me and said that someone from XXXX would contact me once the key was created and it was time to take possession of my Bitcoin. A few hours later I got an email from XXXX stating that I would need to pay them a fee of 13.2 % of the balance of {$93000.00} as that is how much Bitcoin I would be transferring. That is {$12000.00} he wanted me to send him in Bitcoin in order for me to get my money. I informed him that there was no way I could get my hands on {$12000.00}, he informed me that I couldnt have the money until I paid that much. I contacted XXXX XXXX and the broker and informed them of what I learned from the XXXX representative and they informed me that was the only way I could get my money. That was back on XX/XX/XXXX. I attempted to plead to them that if they returned the money that I had paid them, which was {$22000.00} that I would sign over the profits of {$93000.00} that they were claiming I made. They got irate and demanded that I pay the {$12000.00} or Id be sorry. As of the time of this writing I havent heard anything else from them. A couple days after the last correspondence with them I contacted XXXX.XXXX and asked them if they had anyone in support the uses the email address XXXX and got a response from a XXXX and she confirmed my fears that the email address was not part of their support team and that the email address was a scam. I have all the emails saved, screenshots of all the XXXX conversations, recordings of a few telephone conversations with XXXX XXXX, and the receipts from XXXX and XXXX for the purchase of all Bitcoin.
Citi card refuses to issue a credit for money I got scammed out of by these individuals. They mishandled the case form the beginning by their own admission and now they are taking the side of known scammers.
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| 04/14/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I opened up a savings/checking account with CitiBank after receiving a flier for one of their promotions. Open and maintain a balance of {$15000.00} for a few months then you will receive {$400.00}. On XX/XX/XXXX, I opened this account at their XXXX XXXX branch ( Illinois ). I deposited the {$15000.00}. I was told to put some money in checking and came back on XXXXto deposit {$100.00} into checking account. It was reiterated that whatever I do, do not allow the balance to fall below {$15000.00} or I would not be eligible for the promotion. I regularly bank with XXXX, so there would be no transactions on this account until I was eligible for my promotion. Shortly after the establishment of this account, ACH electronic debit transactions occurred to a XXXX XXXX credit card. Dates & amounts : XX/XX/XXXX - {$4000.00} ; XXXX- {$4100.00} ; and XXXX {$2000.00}. A total of {$10000.00} of fraudulent, unauthorized charges from my savings account, leaving me with a balance of {$4800.00}.
No red flags or security alerts sent to a brand new customer of a promotion account who is supposed to keep their balance of {$15000.00}, but now they are over {$10000.00} short only a few weeks after opening their account? No red flags as to why I would be paying a credit card that does not belong to me or match the name on my account? That is the first time Citi has failed me. Forward to XXXX of XXXX, all of a sudden I realize- wait! I never received a monthly statement from CitiBank for my promotion account..maybe the the statements are quarterly or its different because this is a promotion account? On XX/XX/XXXX, I go into the bank and sit down with the gentleman ( XXXX XXXX ) who opened my account. He seemed taken back that I was sitting at his desk. I said, " Hi, I am here to check on my account, because I should be close to receiving my promotion, and actually I never received a statement from Citi nor did I receive the debit card you sent. '' He told me he reordered the debit card and didn't know why I never received it and tried to send me on my way. I said, " No, I actually need to see a copy of my statement because I never received one. '' He reluctantly printed it off and again tried to send me on my way ... until my heart sank when I saw the balance read $ XXXX.I immediately started shaking and crying, and he told me " well that has to be your credit card. '' I said, this is absolutely not my credit card- you know I put this money here for the promotion and was not going to touch it. I said what do I do, and he told me when I get home to call this number and dispute the charges. I said, no I would like to do that here. He went over to the manager at the other desk and she seemed annoyed with him and told him he knows what to do- she never approached me to offer assistance. I made the dispute while at the bank and before leaving, he tried to sell m e on their credit card ( while I was shaking and in tears ). I left for home to tell my husband what had happened. My husband was furious and couldn't believe this happened. He insisted we go back to the bank to get clarification of this process from the manager.
We sat at the managers ( XXXX XXXX ) desk and she told us that 1 ) a debit card was never ordered for me - ( so why did the guy tell me he reordered it? ) 2 ) when we asked her why I never received any alerts or statements..she told me that I was receiving online statements - I told her I never signed up for online statements, nor did I ever receive email notifications that an online statement was now available. ***After investigating on my own- I later find out from multiple customer support agents at Citi, that I was NEVER signed up for paperless statements, and that I was strictly supposed to be receiving mailed statements. I've even confirmed that they have my proper address, email and phone number ( all information was correct ). I NEVER received a statement from them. Until I complained to customer service and their dispute department for over a month and a half ... what do you know- my first statement finally arrived on XX/XX/XXXX. There is no explanation on their behalf. But what this immediately tells me, and others, is that there is internal fraud happening here. There was a reason those charges weren't flagged and that Citi didn't provide any security measures/contact me to verify charges. There was a reason I didn't receive a statement in XXXX, XXXX, XXXX or XXXX.
This is what Citi Bank has " done '' for me at this point. On XX/XX/XXXX when I filed the dispute, I was told I would receive provisional credit XX/XX/XXXX and that they would have to complete investigation within 35 days. XXXX, they send me a letter stating that they started the investigation ( This is the only letter or means of communication on behalf of Citi to me, their customer about this horrific experience I am dealing with ). XX/XX/XXXX comes and we go to the bank- there is no provisional credit- The manager, XXXX, makes a call and gets no answers. However, she promised that this is a process ( understandable ) but that as long as the credit card does not belong to us, that we would get our money back. My husband at that time asked if we should call the police, and she insisted that it wasn't necessary, that they couldn't do anything and that we would get our money back. Our nerves were at ease. Time continues to go by and we don't hear anything. On XXXX XXXX, I went to the bank to withdrawal {$4500.00} as tensions surrounding the pandemic were beginning to build and my husbands business ( XXXX industry ) was starting to get hit. I saw XXXX again and she reassured me I will get my money back. I have made countless calls to customer service- all with the same answer " you should be getting a letter on 5-7 days '' or they are still working on this. Unless I call them, there is no contact. How do I even know they are working on this? Throughout the month of XXXX, I have called, left messages for XXXX and left countless emails - no returned calls or emails. I have no point of contact on this scary issue. An issue that is keeping me up at night, making me sick to my stomach. In the meantime, I had filled out a random customer survey I received after one of my many calls to customer support. I reported my bad experiences. I received a call XX/XX/XXXX from the survey dept., to find out more. The lady seemed genuinely concerned and said she will try to expedite my case. She even told me that, " yes, they know it is fraud, and that the card belongs to a " XXXX XXXX ''. '' This is new information to me. On XX/XX/XXXX, the woman calls me back ( unheard of in this company ) to tell me that she's sorry but they told her they were not able to receive a response from XXXX XXXX and that they won't be returning my funds since the charges were over 60 days ago. I immediately start sobbing. As XXXX the bank manager told us that {$10000.00} is nothing and that they work with big XXXX dollar accounts ... It might seem minuscule to Citi, but it is an extreme amount for my young family. I am XXXX, my husband is XXXX and we have XXXX XXXX XXXX. Due to the pandemic, we currently have no income and have been deeply impacted financially. Our {$10000.00} is imperative to our family 's well-being. Citi has not expressed any care nor have they provided any communication or level of customer support. So now all of a sudden they say they can't return my money? The survey lady escalates to the executive response unit on XX/XX/XXXX. It is XX/XX/XXXX and I have yet to hear from anyone. I never received a letter that the case was concluded.
I took my first step, and made a police report with XXXX XXXX PD. I am working with an investigator who is trying to help me. He told me I am a victim of fraud on behalf of Citi Bank- how are they going to make me whole? I call XX/XX/XXXX for an update ... this is when I find out that no one is working on this case. The supervisor offers to open an appeal to the case considering the new information of the police report/involvment and she said this can change the outcome of my case ... .Interesting that the bank manager told us not to call the cops and that they would not be able to help us. So a new investigation has begun, and she has also requested provisional funds considering the situation. She promised that I would get a call back From executive level today on XX/XX/XXXX. It is almost XXXX cst and I have yet to receive a call. I feel like no one is listening to me and I am trying to get tossed to the side. I shouldn't have to wait another 45 days for an investigation with XXXX XXXX, when my issue at this point is with Citi Bank. Citi Bank failed me. They did not send me statements. If I had received a statement, I would have noticed the transactions right away and would have taken action. If I was alerted of suspicious charges and asked to authorize, this would have never happened. Why did I not receive statements? On their statements it says you have 60 days from when we send you a statement to dispute charges ... well I received my first statement form them on XX/XX/XXXX! As a victim of fraud with Citi Bank, there are too many inconsistencies. I am either a victim of internal fraud ( taking advantage of promotional accounts where customers are not supposed to touch funds until they are eligible for promotion- how many other promotional accounts are being targeted? ... this account was attacked shortly after being established- how did my information get out there when I never used it..or I am a victim to Great error by CitiBank that prevented me from receiving statements, or a victim of a breach of undisclosed security where others may have compromised accounts as well ( just 4 days ago someone reviewed that they had $ XXXX in fraud charges in XXXX and their case has still not been resolved ). There is a coverup within Citi as to why I did not receive statements or a security alert and they are trying to brush me off- they think I am a promotion account and that they will lose my " insignificant business '' so they don't care about me. They don't care that their failed systems or internal fraud has severely financially impacted my young family. I am desperate for help. My family needs that hard earned money to pay our bills and put food on the table. I am an honest and good person. I can not believe this is happening in a time like this. Please help me. I was targeted as a promotional account, and my family can not stand to lose our hard earned money to a fraud.
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| 07/09/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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Date XX/XX/XXXX Complaint against XXXX and Citibank Home Depot credit card giving invalid confirmation numbers for unauthorized External Wire Transfers and XXXX XXXX for not verifying accounts were in my name : I have learned this type of fraud has been going thru since XXXX, how is it possible that banks cant identify these scams from there inceptions.
I am a victim of banking fraud through unauthorized wire transfers by scammers who posing as potential employers beginning XX/XX/XXXX. The scammers used stolen identities via other people 's banking accounts to pay me for goods totaling {$52000.00}. These purchases of which {$33000.00} was through XXXX and the other amounts of {$18000.00} was through a Citibank Home Depot credit card.
I was told by the scammers the accounts were in my name through a company business account setup to pay for goods they were paying me to buy. I believed that the payments given by the scammers were valid after testing the first {$1000.00} in XXXX. I proceeded to make more purchases with the information to wire transfer payments from company account to my account through accounts given.
Based on the confirmation authorization numbers XXXX Bank and Citibank gave me for every payment transfer transaction it confirmed that the business account was valid since I was told this was a company business subaccount in my name. The XXXX bank contacted me by XX/XX/XXXX ; well past 30 days, after the stolen payments paid to me for the goods began returning as unauthorized transfers as of this time XXXX had authorized {$26000.00} and Citibank {$18000.00}. By the beginning of XXXX after purchases of goods were completed and all invoices paid off. Except the last purchase for {$7900.00} which would have marked the end of my so-called probation time with the scammers the total purchases was {$51000.00}. The company was to let me know if they would hire me, it was at this time payments the banks confirmed valid began returning as unauthorized. The timing of these payments returning makes me believe that the owners of the stolen banking information may be involved in the scam.
In XXXX, XXXX after sending many resumes looking for work, a person name XXXX XXXX contacted me who I believed to be a legitimate employer this individual claimed to be a recruiter for the company. I filled out an application to be possibly employed after what they called a probationary time. They claimed an evaluation for employment with them would be completed after they see how well I could purchase and ship goods based on their specifications. They said they would pay for my purchases and shipping cost which they did via External Wire Transfers of funds.
They asked me to fill out an application for information that a legitimate employer would and I being skeptical did an online search of the company on link they provided with the responses showing the company to be at least at the time a valid entity on the XXXX XXXX XXXX XXXX # XXXX. This however turned out to be false and a fraudulent company which I found out after payment funds returned and I purchased and shipped the goods. They reimbursed me for all my expenditures from what I have learned were another persons stolen bank account funds.
The problem with all these transactions lies with three banks, whose job it was to flag the fraudulent transactions before they ever approached paying my account. Because the banks began paying, it aided the scammers to increase purchases to a current total of {$52000.00} which has overdrawn my credit limits.
By the end of XXXX all fraudulent payments had been returned unauthorized. Failure by these banks XXXX, Citibank and XXXX XXXX XXXX the bank where all the accounts were stolen from by the scammers ) began when they allowed many supposed external wire transactions accounts funds purportedly in my name as claimed set-up by the phony import/export company, into my personal account. One bank explained to me that they pay on the bases of blind trust that the payment may not be fraudulent. They didnt verify who the account belonged too before giving a confirmation number and transferring the funds to my account.
Therefore after my first {$1000.00} that XXXX XXXX sent me for payment with a confirmation number XXXX and Citibank confirmation number XXXX ; here lay the first problem because, I believed they verified the account holder name was a business account authorized with my name. The bank confirmation meant to me that it was a valid account and I proceeded to make more purchases because it indicated that the scammers unauthorized bank transactions were valid.
The phony import/export job I was trying to get hired for, as I have learned had some XXXX XXXX XXXX man, from Florida, and a dental office as the actual stolen bank accounts holders for XXXX XXXX phony company transfers. I was told it was a dental office that alerted the bank, a month later that banking information had been stolen.
If this were the actual case, then when XXXX XXXX and Citibank, contacted XXXX XXXX about external wire transfer funds from ; a supposed account set-up in my name by phony company, the account should have been automatically flagged as a suspicious transaction, with both parties, I and account holder being notified.
XXXX and Citibank have paid my account on as stated by Citibank on XXXX trust before verifying, had they did their due diligence to verify the persons name ( s ) on the external wire transfer account they would have seen the very glaring problem that the account number and names do not match up and stopped this scam immediately from progressing.
If these banks are willing to take these types of risks with my accounts then I the XXXX consumer should not have to bail them out and pay. The problem is the bank only wants to focus on the purchases ; I made only because of their confirmations, and not consider the stolen bank accounts that they gave bogus confirmation as valid, which then allowed bogus payments to overdraw my account this cant be ignored.
Bottom line is banks should have put a hold on the transactions until they could be verified.
XXXX XXXX XXXX told me they were investigating, however ; nothing was done and instead he waited for all phony payments to be returned then told me I have to pay the bank. XXXX XXXX has locked me out of my saving stating they are allowed to take all my funds to pay in addition they have began billing me for the fraudulent funds that have overdrawn my VISA account also sending me past due notices that payment is due on XX/XX/XXXX. Therefore I have no access to my account however they are telling me to pay. I had to borrow from my IRA and pay penalties for early withdrawal to have funds to pay for my living expenses.
Status of accounts : XXXX XXXX : XXXX XXXX told me to pay all the funds, he began billing me for the funds sending notices that payments are past due, plus has locked my saving account stating he will remove my saving for payment. Hung up the phone when I told him its not my fault they allowed my account to be paid with stolen money.
Citibank XXXX XXXX : XXXX XXXX # XXXX ( refuse to give last name only a number ) Hung up.
Citibank XXXX XXXX : XXXX XXXX # TMY ( refuse to give last name only a number ) said they will freeze my account and begin an investigation.
XXXX XXXX : Has returned all external transferred phony payments after XXXX to XXXX and Citibank as unauthorized.
A typical personal check takes about 3 days to verify, shouldnt money transfers be a point to point transfer bearing the names of all parties involved.
The question is how is it they all failed to flag these transactions as phony from the start if my name was not on the account I was transferring from as verification to XXXX XXXX. It was only until the account owner notified the bank that they determined accounts were stolen.
I believed how external wire transfers work is they ( the Bank ) verifies both parties sender and receiver before confirmation of payment. Based on what happened this was not done with my case and as a result my credit balance is overdrawn, my credit cards are frozen and my life saving account I was told will all be taken by XXXX.
I should not be responsible and my credit history ruined if these banks allowed these types of transactions and did not provide warnings/alerts and true/real account confirmation verifications for my and their clients protection.
Because these banks confirmed unauthorized transactions as valid these scammers were aided and allowed to continue. I am therefore requesting that my credit history status be restored at all credit agencies, all overdrawn balances and fees be removed from my account at XXXX to date total {$34000.00} and Citibank {$18000.00}. Lastly my saving account balances be restored at XXXX bank.
I am very concerned that my credit will be destroyed because these banks allowed these fraudulent money transfers and seem to be doing nothing relevant to prevent it.
In reality I received stolen money VIA wire transferring as payment to pay for purchased goods, shipping fees and other expenditures, its my account thats overdrawn- only banks have the job of verifying accounts- Im the victim because the bank didnt verify that the account information were stolen.
Im therefore seeking help to restore my accounts and credit history since I believe these banks may have broken with banking rules/federal procedures for money transfers to the tune of $ XXXX.
Attached : Spreadsheets detailing banking and shipping confirmation numbers Payment confirmation numbers given by XXXX and Citibank XXXX XXXX Email of scammer giving stolen accounts to pay me for my purchases XXXXXXXX VISA # is XXXX including accounts under # XXXX, Phone XXXX XXXX XXXX Citibank Home Depot VISA # is XXXX XXXX XXXX XXXX XXXX Bank XXXX affected account numbers are listed on above spreadsheets.
XXXX Police Report # XXXX Phone # XXXX XXXX XXXX Scammers info given : " Export Handels XXXX XXXX '' XXXX XXXX XXXX XXXX and XXXX XXXX Toll Free # for calls form United States : XXXX Head office # in XXXX , HR Dept. : XXXX EIN # : XXXX EXPORT HANDELS XXXX XXXX XXXX XXXX XXXX XXXX Floor XXXX New York XXXX, New York Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers they used to contact me : XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX Company business registration info on attached PDF : Trade number HRB XXXX https : XXXX? XXXX & XXXX My job application form website : XXXX XXXX XXXX
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| 01/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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To Whom It May Concern : This is regards to the charges I have been disputing since XX/XX/XXXX. I have tried getting this dispute resolved through my Citi Simplicity credit card and with the Merchant XXXX XXXX, nothing has been resolved. I spoke to the merchant and to Citi Simplicity on XX/XX/XXXX as I was in XXXX XXXX, NV and my credit card said they couldn't do anything while I was out of town and to call then when I was back home in Montana. I went to the merchant in person on XX/XX/XXXX showing him my receipts of 2 different transactions on 2 different receipts which I did not authorize charges of {$1000.00} and another charge of {$1600.00} for beauty products, which I did not realize he had put on my card until I got back to my hotel and was looking through the receipts, when I called the merchant he said there was nothing he could do. I also called the Citi Simplicity credit card again when I was home on XX/XX/XXXX, they said that they would start an investigation but it would take until XX/XX/XXXX. I called the merchant again in XX/XX/XXXX and he just laughed at me. I called Citi Simplicity again in XX/XX/XXXX asking if we could get this taken care of sooner than XXXX as this is a lot of money and stressful on me. Citi Simplicity said that they would send me an email with a form that I could fill out to dispute the charges and to send proof back with the letter. I never received any form from Citi Simplicity. The next thing that I received was a letter from Citi Simplicity stating that they had heard back from the merchant, which was a letter of misspelled words and blatant lies saying I was happy when I left their store and was impressed with the kindness of the salesperson therefore based on the information available they have closed their investigation. None of that is true and also I did not leave the store with any of their products as they had to be shipped first of all and second I just wanted to get out of there the first time I when I was there and the second time I went there after I realized what they had done I was crying and upset. This handwritten letter from the merchant doesn't say one thing about their fraudulent charges This is clearly fraud. Please see details below and attached all documents.
I never went into XXXX XXXX to shop, I was walking by when an employee approached me as I was walking by the store he kept badgering me to come into the store as he wanted to just show me one beauty product. Finally I went in to the store and was coerced in to providing my credit card information for products that I did not want and also that I have NEVER been in possession of. On XX/XX/XXXX I was in XXXX XXXX, NV looking around at some shops while my husband was recovering from XXXX, I was approached by a sales person from XXXX XXXX who was very persistent on pushing his products on me. Numerous times I told the salesman I was not interested in purchasing any of the products and stated I did not have the money for their products. This salesman would not let me leave, after hours of this person hounding me about these products I felt so overwhelmed and under such duress with him pressuring me to purchase these products and to " just give him my credit card '' and the stress of my husbands XXXX I just wanted to get away from this salesman, therefore he was able to manipulate me into providing my credit card to him as he asked for over and over again. As soon as I got back to my hotel, which was within 1 hour of being conned into this insane purchase, I called this sales person ( XXXX, XXXX ) as he provided me with his name and phone number on a business card, I was crying and let him know that I wanted to cancel the order immediately and that I realized that he had done two separate transactions as I had a copy of several receipts from him that were showing a transaction for {$1600.00} which I never agreed to and another receipt showed a transaction for {$1000.00} which I also never agreed to, these were charged on my credit card without my permission!! I was in such a hurry to just get out of the store I didn't look at the amounts on the receipt that I was signing. He stated that there was nothing that he could do, but that he would call his boss and see if there was anything that could be done to to fix this. XXXX never returned my call. I knew they could not have possibly mailed out the order of products and that was another reason I was cancelling right away as I figured this should be an easy fix, as I let XXXX know I did not want to do business with a company that just tried to scam me. XXXX assured me this was a mistake and he would talk to his boss. I let him know how unhappy I was that I had let him manipulate me in the first place, but then to add a whole other transaction on to my card was disgusting and fraudulent. The total of these two receipts added up to {$2700.00} for a purchase that I was unaware of, never agreed to and especially could not afford. At that time I am sure it was noticeable especially that I was obviously in a vulnerable states of mind, that is why I was not able to just walk away and he was very aggressive and he would not let me walk away. I also wanted this order cancelled before they processed the credit card. Which on my statement they charged my credit card on XX/XX/XXXX, which is also fraudulent as a company is not supposed to charge a person 's card until items have shipped, see more detail below and attached as items did not ship until XX/XX/XXXX. When XXXX never returned my call, I went back to the store the next day on XX/XX/XXXX to speak to XXXX, I was told that they could not cancel the order because of his boss. I begged and pleaded with him since I had not received any products the day prior when I was in the store since all products have to be shipped and also due to those charges being fraudulent. He kept stating that he would get in to much trouble from his boss. There was another lady there also in tears trying to cancel her order, I am not sure if she also had charges she was unaware of, but she was crying and pleading with another employee to refund her credit card. XXXX stated " look at that lady, she is out {$5000.00} which is a lot more money that you ''. Obviously this is a very common thing with this company that they do to people is get them to purchase anything and then add outrageous transactions and numerous transaction to an unaware elderly person. I continued to beg XXXX to please not charge my credit card for these products I did not ask to purchase and to just do the right thing, I begged him to cancel what orders he placed, but he continued to say he was sorry but he could not as his boss would be very upset. Upset that you did fraudulent transactions? I made it very clear that I did not want the products that he ordered or for them to be mailed to me, I let him know that I would be turning him in to my credit card company for this. He continued to say he was sorry and that his boss would be extremely mad at him if he cancelled the order. He just kept acting like he did nothing wrong and telling me that all sales are final. This is a case of fraud and I would like these charges taken off of my credit card immediately. Also please see the attached receipts they do not say all sales are final, they say finel and finale, those words do not mean FINAL!
Also please see the package that they sent me in via XXXX XXXX of there products which I refused, therefore I have NEVER been in possession of their products. Please note the date the package was not shipped until XX/XX/XXXX and received on the XX/XX/XXXX and immediately RETURNED, but they charged my credit card on XX/XX/XXXX, also there was plenty of time for them to cancel the shipment of the order since I spoke to XXXX on XX/XX/XXXX within 1 hour of him manipulating me into the purchase and fraudulently adding on extra transactions and then another entire receipt of transactions. Attached is proof of the box I returned.
Please see the attached evidence of receipts, None of them say " ALL SALES ARE FINAL ''!!
Receipt # 1 States " All Sales are Finel '' Receipt # 2 States " All Sales are Finale '' Receipt # 3 States " All Sales are Finel '' Receipt # 4 States " All Sales are Finale '' **The definition of " Finale '' is the last part of a piece of music, a performance, or a public event, especially when particularly dramatic or exciting.
**The definition of " Finel '' there is no such word, this word does not exist.
A little history of why these workers are so persistent and manipulative to get these products sold and the reason they are not willing to do the right thing by cancelling a customers order or refunding charges that the customer did not even authorize is because the employees are in fear as the Employer 's use intimidation to make the employees fearful of them. The employees daily goal is to protect their own job by being persistent and conning people into purchasing these products. The majority of these employees are immigrants from all over the world. The environment they are working in is volatile, they also are subject to racism, sexism and ageism which is generally expected and accepted from this company.
None of these receipts state that all sales are final, therefore I would like all charges from this company taken off of my credit card immediately!! I would also like all charges taken off of my credit card due to the sales person adding on the transactions that I was unaware of and NEVER agreed to!! Also I refused their products so they already have their products back, untouched, unopened all brand new ready for them to con their next victim!! Again please see the 5 attachments which are proof and evidence.
If there is anything further that you need from me please don't hesitate to contact me ASAP as I would like this get this resolved as soon as possible. I have obviously been unable to resolve this through the merchant and also through my credit card company. I have confidence in your company that after you review my detailed letter and proof that is attached you should be able to settle this outrageous ongoing dispute that I have been trying to settle with this company and through Citi since XX/XX/XXXX when this dispute arose 1 hour after being in their store. It doesn't seen like Citi Credit Card has take this seriously as I don't feel this dispute has been handled correctly or even investigated.
Sincerely, XXXX XXXX XXXX XXXX XXXX
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| 07/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I've been a Citibank banking customer since about XXXX.
A Citi credit card member since XXXX.
On XX/XX/XXXX I received a credit card alert from Citibank.
On XX/XX/XXXX I spoke with a customer rep who advised me of a charges made between XX/XX/XXXX and XX/XX/XXXX.
I confirmed that these charges which were made on the following dates to the following vendors were indeed fraudulent : XX/XX/XXXX XXXX Parking Meters, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( sic on bill, it is actually XXXX , NY ) XXXX XX/XX/XXXX The XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX On the XX/XX/XXXX conversation, the rep asked me if I had my card on me. My recollection is that I did have the card and told the rep that I did have the card. I was advised to tear up that card and to get a new one. Which to my recollection I did and indeed I was given a new card. I was told the matter would be placed under investigation.
XX/XX/XXXX was my XXXX birthday and I went with my partner to XXXX for a week to celebrate. Shortly after I came back, the global pandemic had progressed. Sometime on or about XX/XX/XXXX ( best of my recall ), I discovered an email, dated XX/XX/XXXX, that had thus far eluded my attention, asking me to contact an investigator on the case by. Having missed the email and the deadline to get in touch with the investigator, I called a customer rep, and was told that the matter had been closed against me. I explained that this resolution was not fair because I did not make these charges. I was assured the case would be reopened and an investigator would be in touch with me in, as I recall, five business days. No investigator ever reached out to me.
I recently discovered a letter from Citibank , N.A . dated XX/XX/XXXX, saying the investigation was completed and the dispute now closed. It said that the card 's EMV chip was used in making the disputed transactions at a chip enabled card reader. As I verified that the card was in my possession at the time of transactions, Citi does not consider this fraudulent activity. Therefore, I remained responsible for these charges of XXXX. This amount apparently reflects the four retail charges made between XX/XX/XXXX and XX/XX/XXXX but not the parking meter charge of XXXX made on XX/XX/XXXX ( which perhaps was not made using a chip ).
I'm not sure how much more detail is required for this form. So I will try to summarize. I tried once more in - best of my recall - late XXXX or early XXXX, XXXX, to try to get this matter reopened. I was told once it would be reopened and an investigator would get in touch with me. Again no investigator did. On two more dates I was told that Citi would never remit this XXXX amount and by at least one re p " I'm so sorry, Mr. XXXX, if I were you I'd sue us, '' Citibank has never provided me any proof that these charges were in fact chip charges. I have gotten different information from various sources about the feasibility of cloning a chip card. I do not pretend to know the answer to this technological question. I only know that I did not make these disputed charges. Nor did anyone else make them with my permission and authority to do so. The only other person whom I would have conceivably given permission and authority to use my card is someone who certainly would not have done so without my express consent ; nor is he someone who would have gone on a {$2500.00} plus shopping spree between XX/XX/XXXX and XX/XX/XXXX. He certainly is not someone who would make these purchases and not tell me about them. He is absolutely not someone who would allow me to unnecessarily go through the incredible stress and time drain I have been going through for the last several month because of this matter. That is my partner of 13 years, a corporate executive in his XXXX - I btw am a XXXX year old XXXX.
In XXXX, XXXX, I endeavored to reach out to the retail vendors by phone and requested transaction details from three of them ( getting through to XXXX XXXX by phone was nigh impossible ). I was told by XXXX XXXX, Home Depot ( who did tell me over the phone that the purchase was, at least in part, for a vanity ) and XXXX that they would send me transaction details. None ever did.
I do, however, know, and so does Citi - as they have clearly considered the XX/XX/XXXX charge fraudulent and remitted me that XXXX - that it is very typical for fraudulent shopping sprees to begin with a " test drive '' fraudulent purchase in a minimal amount like this one. Though I have explained that several times in my many calls with Citibank, N.A., reps, apparently no one in the organization with any investigatory authority considers this a sufficiently important fact.
On Wednesday, XX/XX/XXXX. I brought a small claims court complaint against Citi for these charges, with a return date of XX/XX/XXXX. Also on that date I went to XXXX XXXX XXXX XXXX and was given a sale receipt for the XXXX purchase of two items of hosiery for women. There is a signature on it accepting XXXX 's return policy. It is, of course, not my signature. There is no time stamp on the sale receipt, which concerned me Also on that date I went to the XXXX precinct of the XXXXPD ( believing it was my local precinct as it is certainly closest to my home, I have since found that my local precinct is another XXXX precinct slightly further from my home ). The desk sergeant said that it would be preferable for me to make the complaint in one of the XXXX XXXX XXXX precincts as that was where the first fraudulent charge occurred. ( until yesterday it had not quite dawned on me that Citi was not considering the LIC charge fraudulent and so I believed the entire fraudulent amount, XXXX, was still in dispute - in fact I mistakenly put that amount as the amount being sued for in small claims court and plan to in court clarify that the amount in suit is correspondingly reduced ). In any event, the XXXX Precinct directed me to make a complaint with one of two XXXX XXXX XXXX, XXXX, NY precincts, either the XXXX or the XXXX. If in fact the desk sergeant was correct in that the precinct involved should be the one in which the first fraud occurred, in fact XXXX XXXX XXXX would have been the initial fraud in this spree because, as earlier stated, clearly the frauds are connected.
On Friday, XX/XX/XXXX, I went to the XXXX precinct. I was told several reasons by several officers - not all of them in mutual agreement with each other - why they could not take the complaint : that the desk sergeant at the XXXX was mistaken, that they could not process the complaint because I have a pending Small Claims complaint, and that I would need to bring the complaint in the precinct in which I first discovered the complaint. That, as I explained to the officers, would be a precinct in downtown XXXX, as my law office is located in downtown XXXX.
I do not at this time intend to go to a downtown XXXX precinct to make this complaint. I am a XXXX year old man who has tried diligently to practice social distancing. I do not wish to go to a third precinct to potentially be told it is the wrong place to file a complaint. I am, however, bringing this complaint with your esteemed organization.
In addition, I have also sought constituent service help from my NYS Assembly Representative, XXXX XXXX. His associate, XXXX XXXX, has been very sympathetic and is trying to find a way to help me but so far has had no success helping me resolve this matter.
Also, on Friday, XX/XX/XXXX, I went to my local Citbank.. I spoke with the ( substitute ) branch manager, XXXX XXXX, who was extremely sympathetic. I thought perhaps with his support I could perhaps find some relief. However, Mr. XXXX could only connect to reps and introduce me to them ... with the result that I had the same kind of futile conversations i had previously had with reps.
Over the course of my efforts, I have sent several emails to XXXX ( incl on XX/XX/XXXX ) and XXXX ( including on XX/XX/XXXX ). I also, at a friend 's request, sent ( after I had posted about my difficulties with Citi on XXXX in hopes that friends would provide tips on how to proceed ) several direct messages to Citi Group 's XXXX page.
Though many of my efforts to reach out in the hopes that someone might see reason have met with initial sympathetic responses ( particularly those of front line customer reps and those responsible for answering direct messages at Citi 's XXXX page ), no one at the organization seems to care that I did not make these charges. I in fact have considered the possibility that no one at Citi actually believes that I in fact made these charges, yet no one feels it is the moral thing to do to remit me ... let alone the correct and prudent thing to do as a matter of proper customer and public relations.
I paid the amount in question so that I would have no potential credit reporting problems and to avoid the accumulation of interest. But I continue to fight this. Because it is wrong. Because it is insulting. Because this shouldn't happen to anyone, least of all to those who are in a far less fortunate position than I am and far less able to absorb this cost. I do not seek damages for my time and stress, which I assure you are formidable I simply want to be repaid this disputed amount. I also would hope that with a favorable resolution to me, Citi will perhaps to begin to recognize how unfairly they have treated me and, hopefully, not treat others in my position like this in future.
I would only add that I find it absurd that I have had to go through this and that a company I have had what i believed to be a relationship of trust and reliance for a quarter of a century would treat me this way. Again, if it is doing this to me, what is it doing to others less fortunate and not is as long-lasting a relationship with them?
Thank you for your time and attention I remain hopeful that your office, one in which I and so many Americans place so much trust, can help me. I hope that I have provided enough information so that this matter my complaint can be duly initiated.
Very truly yours ( name omitted as requested ; and with the hope that I will make the personal acquaintances of one of your staff via phone soon )
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| 05/17/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/XXXX I received an email ( XXXX ) that my Citicard Thank you preferred credit card acct # XXXX was activated. I called Citi to report that I did not request a new card, I did not receive the card and I did not activate this card. The customer service representative said he will freeze the account and not to worry. Later, I also received another email that my Citicard Simplicity credit card acct # XXXX was activated-called Citi to report that I did not request a new card, I did not receive a card and I did not activate this card and requested that both accounts be taken care of so I wont be responsible for any charges from XX/XX/XXXX. I received an email of fraud alert-called Citi and filed a fraud alert on both accounts. Received an email of a {$50.00} transaction-notified Citi that I did not make that transaction and that I will not be responsible for any transactions going forward because I reported a fraud on both accounts. Received email of travel notice for XXXX with ref # XXXX-notified Citi that I did not make any travel plans. Receive email of a {$120.00} transaction-called Citi to find out why transactions are still being made after making a fraud report and was told that my accounts were frozen and being investigated. Received email of a {$120.00} transaction-notified Citi which they assured that these charges will not go thru. Received email of a {$77.00} transaction-notified Citi of these fraudulent activities. XX/XX/XXXX Received email of a {$200.00} transaction and an email of travel notice for XXXX ref # XXXX-called Citi to report that XXXX did not make this transaction and do not have any travel plans. Received email that my personal email was changed to XXXX and changed my last name to XXXX-called Citi to make another report that I did not change my email or last name and to find out why my accounts were not frozen and canceled and why are these things still happening. XX/XX/XXXX A payment of {$3500.00} was made-notified Citi that I did not make a payment or used my credit card in 2 years. I noticed 2 payments pending in my checking account made to Citi-I called my bank and put a stop payment. I called Citi to find out what was going on, no one could tell me anything except that my information did not match what was on their computer system. I told them apparently when the fraudulent person who changed my email and last name, they changed all my information except my bank account information and social security number. I talked to the fraud/identity theft dept and assured me that everything will be taken care of. XX/XX/XXXX Received email that another credit card was mailed but not to my address and was under the name XXXX XXXX-called Citi to find out more info but they told me that my information that I provided does not match what is on their computer so they can not verify me. XX/XX/XXXX I noticed there were pending transactions-called Citi and let them know I did not make these charges but again they said they could not verify my information on their computer and Citi hung up on me. XX/XX/XXXX There was a pending auto payment of {$170.00} toCiti from my XXXX XXXX XXXX checking account-I was able to make a stop payment on the {$170.00} but the payment of {$790.00} that was made on XX/XX/XXXX to Citi went thru. I called Citi fraud dept and spoke with XXXX. We got cut off, XXXX never called me back. I called Citi back, explained that I was just speaking to XXXX in the fraud dept. I got transferred back to Citi fraud dept and spoke with XXXX who says there are too many employees, she can not transfer me to XXXX. XX/XX/XXXX I notified XXXX at XXXX XXXXXXXX XXXX that I did not authorize Citi or XXXX XXXX to withdraw funds from my checking account. XXXX XXXXXXXX XXXX was unable to make a stop payment on the {$790.00} because it was posted at XXXX and all payments are processed at XXXX XXXX. XXXX filed a dispute with Citi. Called Citi and spoke with XXXX-said he needs to send verification letter, I explained that I already had received 4 verification letters from Citi. XXXX said he couldnt help me so I asked to speak to a supervisor in the US. XXXX, supervisor from Citi fraud dept told me I needed to wait for the verification letter so I asked to speak to a manager-she said she will transfer me and I heard push button tones then someone in the background said oh XXXX then hung up. XX/XX/XXXX I got an email from XXXX that a hard inquiry was made by XXXX. I called XXXX ( XXXXXXXX XXXX ) at XXXX and spoke with XXXX. She said the application was declined because the person who was applying for the card with my social security number could not verify additional information. XX/XX/XXXX I received a letter from Citi Costco credit card addressed to XXXX XXXX that the application for a Costco credit card could not be processed. I called Citi Costco credit card and spoke with XXXX from the applications dept. I said that I did not apply for a Costco credit card and do not have a Costco membership. XXXX said she will mark it as fraud and gave me the number to the fraud dept XXXX. XX/XX/XXXX I spoke to XXXX from Citi/Costco fraud/identity theft dept and gave me a case # XXXX. XXXX connected me with Citi Advantage Platinum Plus Card applications dept and spoke with XXXX who voided the pending application due to fraud. XX/XX/XXXX I received an email from XXXX notifying me that I have a new address of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I called XXXX to dispute the address change-report # XXXX reported by Citicards/Citibank. XXXX advised me to call Citibank to have the address of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX removed from all credit reporting bureaus. XX/XX/XXXX I called XXXX Police dept to make an identity theft report. XXXX said they will have an officer call me back. XX/XX/XXXX I called XXXX and spoke with Officer XXXX XXXX. He took my information down and I emailed Officer XXXX at XXXX my statement, all my copies of emails, letters, notes from contacts I have made to Citi, XXXX XXXX XXXX and other financial institutions from XX/XX/XXXX to XX/XX/XXXX. Officer XXXX gave me an ID Theft report number of XXXX. I then called XXXX XXXX XXXX and spoke with XXXX to follow up on the status of the dispute for {$790.00} and gave XXXX the ID theft report.. XX/XX/XXXX I spoke with XXXX from Citi customer service who transferred me to XXXX in the Citi fraud dept. I requested a copy of my statements from XX/XX/XXXX to present. XX/XX/XXXX I got an email from XXXX XXXX reporting changes on my Citibank card that my balance on my Citi credit card increased from {$0.00} to {$11000.00} which I did not use or charge anything. Spoke with XXXX with Citi identity theft dept ( XXXX ) XXXX said to wait for a packet to dispute charges, which never arrived at my address in Hawaii.
XX/XX/XXXX Spoke with XXXX XXXX XXXX XXXX ) XXXX from Citi fraud dept who took down all my information-my correct name, correct address, correct cell number, the name of the person who is doing the fraudulent charges, her address, and the information on the police report that I filed. He said he will submit the information to the investigation team.
XX/XX/XXXX Received a message from a XXXX at ( XXXX ) XXXX. XX/XX/XXXX I called the number and spoke with XXXX from XXXX XXXX XXXX. XXXX called to attempt to collect on a check that did not go thru to Citi due to issues that they could not disclose to me. I reported that the person they were trying to contact XXXX XXXX stole my identity. XXXX stated that she will email me an affidavit to fill out and return to them. XX/XX/XXXX I called Citi fraud dept and spoke with XXXX to find out the status on my fraud case, she transferred me to ID theft protection and spoke with XXXX who explained that they were a separate company that sells ID theft protection and is not a Citi company. She gave me the number to Citi customer service.
XX/XX/XXXX I called Citi fraud dept investigations ( XXXX ) XXXX and spoke with XXXX. I explained that I did not get a notice from the investigations dept that I was supposed to call to give them more information. I explained that I have been constantly calling Citi fraud dept since XX/XX/XXXX when this all began. I also explained that I spoke with XXXX XXXX who stated that he would submit all the information to the investigations dept. XXXX put me on hold a few times to speak to a colleague. XXXX informed me that Citi fraud investigations dept will re-open the fraud case.
XX/XX/XXXX Received statement with new balance of {$12000.00} for acct XXXX. I sent a copy of the XXXX Police Dept ID Theft report along with the statement.
XX/XX/XXXX Received a letter stating the Citi has received my information concerning the disputed charge ( s ) for acct ending in XXXX and have forwarded to appropriate area for investigation.
XX/XX/XXXX Received a letter stating that Citi has tried to contact me but unable to reach me. I did not get any calls from Citi. I sent another copy of the police report and a copy of my state and drivers license with the numbers blacked out. I also wrote on a copy of the letter stating that the card XXXX was issued to XXXX XXXX in XXXX, CA AFTER the other 2 Citi credit cards were closed due to fraud/ID theft.
XX/XX/XXXX Received a letter of conclusion of investigation saying that the information was not sufficient enough to resolve the dispute in my favor and the dispute was closed. I called the account specialist team and spoke with XXXX, she told me that the police report is not valid. I explained to her my situation and she hung up on me.
XX/XX/XXXX Received a call from XXXX from Citi bank in Florida re : my Thank you preferred card ending in XXXX to let me know that it will take up to 90 days to make a decision on this investigation.
XX/XX/XXXX Received a collection letter from XXXX, XXXX XXXX XXXX for Citi card XXXX which I sent a notice with FTC letter and police report.
XX/XX/XXXX Received a collection letter from XXXX XXXX XXXX for Citibank Custom Cash account ending in XXXX that I never opened or heard of. They are threatening to garnish my wages. Spoke to XXXX from Citibank internal collection and explained my situation, she shared that she has never known of customer that can change the name on an account without supporting documents.
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| 09/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
Older American |
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I have to attach a copy of the letter In sent to Citibanl which explains my problems.
1. ) My balance may be low in my account but it is a positive balance. I have several debit transactions " pending ''. I base my account balance on what my app says is my " available balance '' which is supposed to include amounts for all pending transactions. They are pending anywhere from 3-7 days. Routinely. They post on the day I get my paycheck deposited. They post, Citibank then adds them as posted transactions but they are being deducted twice from the balance of my checking account. Citibank allows several transactions to be paid although they overdraw my account. This month. I was overdrawn by approx. {$900.00} from debits Citibank made from my account, paying them back for provisional credits they gave me from XX/XX/2023 through XX/XX/2023. I filed a dispute for unauthorized mobile purchases- sign based going back to XX/XX/2023. I saw several transactions to the same XXXX stated as a " debit wallet authorization '' or a " mobile purchase-sign based ''. I was told by the Citibank XXXX That there was a difference as one payment method was done putting my debit card number directly on the XXXX 's website for payment, and the other from a mobile or digital wallet. I do not use a mobile wallet. The main XXXX where these mobile transactions took place do not accept mobile wallet or third party mobile wallets for payment. I had been watching my transactions closely on my statements since around XXXX. What caught my attention was the fact that I had made purchases online to a XXXX XXXX for coin packages. There were transactions made often enough for me to notice that were for {$50.00} and there would be 2-4 transactions occurring 2-4 minutes exactly for the same amount. It would be next to impossible to purchase a coin package of {$50.00}, go back to the game you were playing at usually no more than {$1.00} a spin, and run out of coins in 3 minutes and go and purchase another. I checked my statement transactions against the XXXX 's record of my transactions and they matched. I did not think I spent that much. From XXXX XXXX, 2023 statement records showed an increase in mobile wallet transactions. On the XXXX statement, there were XXXX of a page showing transactions made to one XXXX on XX/XX/2023 alone. I could not afford to spend that much. My total debits at the end of that statement period were {$11.00}, XXXX and credits for the month were {$11.00}, XXXX. I only make {$4000.00} a month. This statement did include provisional credits for a dispute I filed for unauthorized transactions. My last XXXX statements are a mess. Transactions are out of order. They are grouped into amount of transactions, not by date and time so it is difficult to keep track of or figure out suspicious transactions. I sense that I am being double charged for my debit card transactions. They tell me that the date the transactions post is the day the XXXX picks up the payment and led me to believe that they then deduct the amount of the transaction from my balance. I always thought when the bank gets the transactions, they are deducted from my account at that time and funds set aside for 10 days. It looks to me like the XXXX gets paid. The transactions stay pending until I get a deposit in my account. They then post the transactions. They allow several transactions to be processed that overdrew my account. Then my mortgage payment is returned for insufficient funds. My last check on XX/XX/2023 for {$3000.00} was deposited. All the debits for provisional credits I had received were debited from my account along with {$1000.00} in unauthorized ACH withdrawals that occurred after I filed the disputes on XX/XX/2023, without my knowledge or consent and while they had a block on my account. One of the XXXX withdrew {$1600.00} from my account when they received the charge back items that were numerous They refunded {$550.00} of that amount but refused to refund the remaining {$1000.00} due to the increased workload it put on his company. Each transaction corresponded with legitimate credit they made to my account for XXXX winnings dating back to XX/XX/2023. My paycheck for {$3000.00} was deposited right after Midnight that morning. They put a block on my account and I was unable to access my money to pay bills. The bank gave me {$1000.00} in provisional credits for these unauthorized transactions. They debited my account for that amount also along with a disputed transaction of {$300.00} from a transaction that originated on XX/XX/2023 that I received provisional credits for. That was close to or more than {$1500.00} of my check. My house payment was returned for insufficient funds as it overfrew my account by {$210.00}. The mortgage payment was added back into my balance and i then, once again, had a positive balance of {$430.00}. I am still trying to find out if my mortgage payment was made.
On XX/XX/2023, i filed a dispute for unauthorized mobile purchases sign based going back to XX/XX/2023. There were several. The Citibank XXXX did not go over each individual transaction but there were several. He gave me XXXX claim nos., filled out the dispute information himself and filed the dispute. In my letter, I stated there was a mathematical error in calculating the total amount of the credits given to me on XX/XX/2023 alone. Their calculations show provisional credits of {$2100.00}. I added them up manually and my total was approximately {$3300.00}, a discrepancy of {$1100.00} which has not been credited back to my balance. That would have helped with my mortgage payment.
I sent my Appeal letter to Citibank in XXXX XXXX, S.D. on Friday. On Saturday, I saw they had placed a block on my account. I can not access any information. I can not download my XXXX statement to give you a total amount of all debits that I had to refund them for provisional credits given. They found in favor of the XXXX as I did not provide sufficient documentation to support my claim. The XXXX. I spoke to said my checking account was set to be closed. She could not give me any information about my account. She said I would receive a letter. In XXXX days from Citibank as to why. I asked if they received my Appeal of their decision in XXXX disputes. XXXX {$1000.00} of unauthorized XXXX withdrawals they allowed to be processed to a XXXX on XX/XX/2023 after several provisional credits were given to me and my social security check had bern deposited and I could not gain access to my money to pay bills. But Citibank allowed a XXXX to withdraw these funds from my checking account without my knowledge or permission. They had given me provisional credits for that amount then debited {$1000.00} on XXXX XXXX for the provisional credits paid they say I owed the bank. Citibank is liable for repayment to me for these funds. The transactions are still in dispute and have not been refunded to mr. As stated, the XXXX refused to refund that amount to me. They have not had to pay for any chargebacks. However, on XX/XX/2023 when I discovered the block on my account and was denied access to my money, I called Citibank. The XXXX. Informed me that there were XXXX separate investigations going on. XXXX had XXXX transactions, the second XXXX and the third XXXX. I was shocked as I did not realize there were that many. I told the XXXX Just to cancel my dispute as I could not wait a month or XXXX for them to lift the block on my account so I could pay my bills. I received a notice from Citibank stating they received my cancellation of that dispute. The notice said I received {$100.00} in provisional credits that they would debit from my account Citibank continued with their investigation of this dispute after I cancelled it. Recently, they said I had cancelled my dispute of the unauthorized XXXX withdrawals on that day. I did not even know about them at that time. Those are also still in dispute and now the minimum of {$1100.00} that has not been credited to my account yet due to Citibank 's mathematical error. The whole statement needs to be recalculated as I suspect there are more mathematical errors in their favor that they need to credit or pay me for.
The XXXX Today did not answer my questions about the Appeal and the extra money they owe me from investigating a dispute for which I received one notice and one claim no. For each individual transaction. They wanted me to write down each claim no. For approx. 200 transactions. I am still working on it to submit to them. They know i presume that that is a time consuming chore. These notices came after I had cancelled my dispute and they continued their investigation. It is obvious that these transactions were fraud or not mine as almost all of the notices state " This notice is to inform you that our investigation of this transaction made from YOUR DEVICE WITH CARD ENDING IN XXXX found in favor of the Merchant and we will be deducting the provisional credit we gave you on _____date in $ XXXX. I told them I do not have any debit cards or credit cards ending in XXXX and never have. The notice states tge transaction was for an account ending in XXXX and my account does not end in that.
Basically. I was told that my account will be closed in 60 days. Why it takes that long is beyond me. I do not think they were planning on reviewing my disputes. I was told that at the end of 60 days, they will refund me all deposits made to my account during those 60 days. I told her I could not wait 2 months for my money. I can not see the activity going on on my account. It bothers me that my income is depodited into this account and they can continue to charge me debits for provisional credits that I know were from unauthorized transactions. I fear that they will claim that I owed them most of my paycheck due to refunds I owe them from credits given here or there and they will take most of it. I have mo control over it. I mentioned the math error and refunding the amounts they claim their investigation could not find sufficient evidence to pay for, and i think they are responsible for the XXXX withdrawals they processed without my consent or knowledge and while my account had a block on it.
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| 04/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX - Our XXXX XXXX truck broke down near XXXX, XXXX, approximately four hours away from home. It was towed to XXXX XXXX XXXX for repair. Discussions with XXXX at XXXX XXXX were to diagnose and repair the problem, investigating the lift pump first. We informed them of a 10 day vacation, using the truck, we had planned for XX/XX/XXXX.
XX/XX/XXXX - After no word from XXXX XXXX, we called for an update. They said they would not get to the truck until next week. As the seal is the most common cause for the symptoms the truck was displaying, we preemptively ordered the correct seal to be delivered to them just in case.
XX/XX/XXXX - After no word from XXXX XXXX, we called for an update. While they had not attempted any real diagnosis, they had recently received a seal and were planning to try it to fix the problem.
XX/XX/XXXX - XXXX XXXX called and said that they investigated and determined that the problem was with the Injection Pump. They attempted to replace the seal on the pump but when that did not work they replaced the entire injection pump ( available for {$800.00}, they charged us {$1600.00} for this part ). This part had been replaced approximately 25,000 miles ago so we were surprised to hear that this was the problem. We suggested the lift pump could be the problem but they assured us that they had looked at it and could not see any fault.
XX/XX/XXXX - XXXX XXXX told us the truck would be ready the morning of XX/XX/XXXX. We drove the 4 hours north to pick up the truck.
XX/XX/XXXX - ( XXXX ) The truck was not ready but they finished the repairs while we waited.
( XXXX ) They charged us {$2600.00} for this repair. We paid, left with the truck and began driving home. Approximately 15 miles south of the mechanics location the truck broke down again with the same problem.
( XXXX ) It was towed back to XXXX XXXX XXXX.
We cancelled our vacation.
Nearly a month passes with no word from XXXX XXXX.
XXXX/XXXX/XXXX - We called XXXX XXXX asking for a status on the repair and they told us they decided to send the truck to another mechanic who specializes in diesel engines, an additional 45 minutes away.
Nearly another month passes with no word from XXXX XXXX.
XX/XX/XXXX - We called XXXX XXXX asking for a status on the repair and they told us it had been moved to the new mechanic and had been repaired. XXXX XXXX did not take responsibility for the misdiagnosed repair or offer to return any portion of our money.
XX/XX/XXXX - We called the new mechanic, XXXX XXXX in XXXX, CA, and they told us the truck had been fixed. After a simple and inexpensive pressure test, they determined the problem was with the lift pump, a part XXXX XXXX assured us was not the cause.
XX/XX/XXXX - We drove the 5 hours up to XXXX to pick up the truck. It was determined that the lift pump was indeed bad. The repair cost was {$1300.00}, for a new lift pump and a new seal in the injection pump.
The work order at XXXX XXXX was in XXXX XXXX name as they asked them to take over their existing job. Unfortunately, XXXX required that we pay this bill before leaving with our truck. Prior to paying the bill, we called XXXX at XXXX XXXX to try and work with them to cover the cost. The conversation was civil, but XXXX would not take ownership of his mistakes, or work with us in any way. He refused to pay for the work order he submitted to XXXX.
XXXX confirmed that while the lift pump was blowing the seal on the injection pump, the injection pump itself would not have gone bad because of the problem. The injection pump XXXX XXXX replaced was not bad, it only had 25k miles on the rebuild. Only the seal needed replacement.
There are a couple of things XXXX could have done to prevent this situation : A simple pressure test on the original lift pump would have confirmed that indeed that was the problem ( they did not perform this test ). It was the FIRST thing XXXX did.
Stop. While they were trying to do their best to help, they should have stopped when they didnt have the right tools to do the job. This cost everyone time and money on replacing a part we didnt need.
We were extremely patient and cooperative throughout the whole process, but waiting nearly two months for them just to move the truck to another mechanic is beyond a reasonable time frame. XXXX XXXX charged us a large amount of money yet failed to make any improvement to the original problem. And to add to our costs, we lost a vacation, had to take time off of work to accommodate shop hours , drive even further, and pay more money, to get the truck back. For these reasons, we are requesting a chargeback for the {$2600.00} they took for the ineffective repair.
Comments below are correspondence since the initial request to chargeback : XX/XX/XXXX - XXXX letter of resolution : that XXXX XXXX cover XXXX bill ; by doing so, we will send them the difference ( as chargeback had already occurred ) and clear any issues with Citi.
XX/XX/XXXX - Upon signing in to our Citi account, saw that the XXXX XXXX chargeback had been reversed. We received no letter, or email communication on this matter. We had received a letter from Citi saying our email wasnt working, but we have had emails from other senders, so are not sure what the issue is, other than it must be on their end.
XX/XX/XXXX, XXXX - called Citi about above communication issue, she made a note that we were having communication issues, and should be able to get a rebuttal in by the new year.
XX/XX/XXXX, XXXX - emailed rebuttal to Citi XX/XX/XXXX - Citi closed our dispute citing a quality issue ( we did not receive an email, nor did we see this until logging in on XX/XX/XXXX XXXX XX/XX/XXXX - called XXXX XXXX spoke to XXXX XXXX talked him through everything, reiterated last rebuttal email and he reopened the dispute with a different purpose as he thought it was more appropriate. Reopened under services not as described I noted we were only looking for the XXXX amount to be covered, we are not out to XXXX XXXX XXXX.
XX/XX/XXXX - called XXXX after receiving an email for updated correspondence today. ( online correspondence was dated 1/10 and noted that they were closing the dispute due to it being outside the time frame window ). The first call was around 2pm when they told me that the dispute was closed due to quality of work not being something that can be disputed. Unfortunately, I failed to recall that this was the initial reason for the dispute and not the updated one. I called back around XXXX and was told first that they hadnt received an update from the XXXX, so when I mentioned the letter, XXXX reversed her statement and said that it was indeed because it was outside the window. As this was not our fault, I asked to reopen and she said they had the investigator has the final word and that it was closed. I asked to speak to a supervisor as the communication issues were on Citis end, and out of my control. I should be getting a call in XXXX hours. XXXX did offer a {$200.00} credit plus {$100.00} cash back to help offset the disputed charge. We should absolutely be within the reasons of quality of work not described as they didnt fix the problem. Once again I noted that we are not out to screw them, just want the XXXX amount back.
XX/XX/XXXX - Citi Dispute Supervisor XXXX called me early afternoon. He has confirmed that they are indeed still investigating the partial chargeback ( for the XXXX bill amount ) under the revised service as not described appeal. He said they have reached out to XXXX XXXX who has until either XX/XX/XXXX or XX/XX/XXXX, it was hard to hear, to respond. One concern is XXXX claims a letter sent to me about this, and I have no record of it either physically or electronically.
XX/XX/XXXX - called Citi to follow up as havent seen anything via mail/email/online about the follow up dispute. Rep ( XXXX? ) that I spoke to said all was closed until I mentioned the XXXX conversations and then she said there was a note about that. So we connected with a Supervisor XXXX XXXX ( Sr Account Manager ), who is filing a complaint about the XX/XX/XXXX call and investigating as it shouldnt have happened that way. He said because they didnt receive any signed authorization letter from us ( never sent/emailed by citi ) they couldnt investigate it under the new reason ( that would allow them to call XXXX to have them verify that XXXX XXXX didnt do the job they should have and been able to do ). So we are past the date. He has extended a {$100.00} cash credit and a {$100.00} refund on our card for troubles/mea culpa ( cant remember the words he used ) - I accepted only under the premise that it doesnt affect the potential for us to receive the full credited amount.
Next move : Supervisor will review the calls, etc, and follow-up with me about any further info.
XX/XX/XXXX - follow-up call as hadnt heard anything. XXXX emailed XXXX XXXX about re-opening the case, but only he can do as I accepted the XXXX XXXX+XXXX refund. I mentioned that I only agreed to that money if it didnt affect me re-opening and receiving the larger amount. XXXX said to expect a phone call from XXXX and that she would do a follow up too.
XX/XX/XXXX - No follow ups from Citi as of yet. Emailed follow up to XXXX XXXX XXXX via billingdisputes email ) with the XXXX receipt and another plea for them to make things right and refund us the XXXX amount.
XX/XX/XXXX, XXXX - No follow ups from Citi as of yet. I called ( specifically to speak to XXXX XXXX ) and spoke to XXXX ( after a 40 minute hold while they transferred me to the US branch ). Then to XXXX in XXXX, and after an additional 10 minutes was told to expect a call from XXXX in 24-48 hours as he was on another call and I wouldnt speak to anyone else as he has the history. XXXX said I promise he will call. I provided my cell for him to call as they had my work number.
XX/XX/XXXX - no phone call from Citi as of yet.
XX/XX/XXXX - never received the call back from XXXX XXXX. Received followup mail ( in the last few days ) dated XX/XX/XXXX claiming the dispute is closed and they cant do anything about it. And I will need to sue other means to obtain credit.
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| 04/08/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Since XX/XX/XXXX, I have pursued Citibank , N.A . Citi to fulfill the terms of their tiered Personal Checking bonus promotion ( please see attached file titled Citibank Member Cash Checking Offer Enrollment... ) and credit my account with the promised {$400.00}. Below, you will find a detailed timeline of my experience along with my commentary where appropriate. My complaint is supported by numerous documents attached for your review. Thank you.
XXXX XX/XX/XXXX I applied and opened a checking account online.
XX/XX/XXXX I deposited a check for over {$15000.00} to satisfy requirements for the {$400.00} tier bonus promotion.
XX/XX/XXXX I met the requirements for the {$400.00} bonus promotion by maintaining a balance above {$15000.00} for 60 days.
XX/XX/XXXX - According to the terms of the promotion, the bonus should have been received at the latest by this date. Terms : The cash bonus will be deposited to your open, eligible account within 90 calendar days after you complete all required activities.
XX/XX/XXXX I chatted with a Citi representative who opened CASE ID : XXXX. The representative wrote : " The investigation may take up to 5 business days. Responses will be sent after case completion. Your request is being passed for further research regarding your dispute ( XXXX credit total amount exceeds {$250.00} limit ). '' XX/XX/XXXX I called Citi customer service at XXXX. Provided Dispute Reference # XXXX XX/XX/XXXX I called XXXX for an update. The representative said that the investigation is still in process and could not say how long it would take.
XX/XX/XXXX I called XXXX. I was asked to wait another week and to call back if I do not hear anything.
XX/XX/XXXX Citi both physically mailed and via secured message within online banking submitted a letter titled Our Research Results with Reference ID : XXXX. ( see Citibank Our Research Results Letter XXXX ) It states : Unfortunately, Promotion Code XXXX was not offered in conjunction with the above account. While Citi does offer cash promotions at times, those offers are only available to theindividual to whom the offer was addressed.
Please provide a copy of the Promotion Disclosure that was addressed to you. We do not accept a print out of an on-line offer or blog. Please note, if you are unable to provide a copy of the Promotion Disclosure that was addressed you then Citibank will consider this dispute to be resolved.
If you have any questions or would like to speak with a representative, Customer Service can be contacted 24 hours a day, 7 days a week at : XXXX XXXX XX/XX/XXXX Received another secure message stating Your inquiry, XXXX has been resolved. Before I even had the opportunity to respond to the letters request, within less than 24 hours of receiving the letter, the XX/XX/XXXX letter was DELETED and replaced with a secure message that Your inquiry, XXXX has been resolved ( please see attached files beginning with Citibank Secure Message.. for evidence ). Upon experiencing the deletion of the XX/XX/XXXX letter which prevented me from directly responding with evidence, I filed a CFPB complaint. Complaint ID : XXXX ( please see CFPB Complaint Citibank XXXX ).
XX/XX/XXXX Citi Responded to CFPB complaint with an attached letter, stating " Our investigations have a resolution timeframe of 5 business days. You will receive a separate communication with a final decision on this matter .... For additional questions or concerns, please contact our Citiphone customer service at XXXX and reference your investigation number XXXX. '' XX/XX/XXXX I called XXXX and spoke with XXXX. He said the investigation is still ongoing. He escalated the same investigation that was generated from the original CFPB complaint. He said that a letter would be sent to me within a day or two but may take a little longer due to the holidays.
XX/XX/XXXX I called XXXX and spoke with another representative. She said that the investigation is still ongoing at the back office and that the officer reviewing my investigation is currently not available. She said, like each of the previous representatives, that it would take 5 business days even though this duration had lapsed repeatedly. She noted that I had called for a follow up. I inquired about speaking directly with the back office and she said that it is not possible.
XX/XX/XXXX Citi electronically sent me a second letter titled Our Research Results with Reference ID : XXXX ( see Citibank Our Research Results Letter XXXX ) The letter contains the IDENTICAL TEXT as the letter dated XX/XX/XXXX, the one previously mentioned in this timeline. However, oddly enough, the promotion code Citi referenced in the second letter is XXXX while the previous letter referenced XXXX.
XX/XX/XXXX I chatted with Citi representative named XXXX. XXXX wrote " Thank you for your kind patience As I can check in the investigation process you are not eligible for the bonus Please do not worry you can contact the dedicated team once over the call they might have option to put the account as exception Here is the direct phone number contact our one stop sales unit at XXXX.
XX/XX/XXXX I called XXXX. However, the representative I spoke with was unable to access my Dispute or any information regarding the CFPB complaint letter response from Citi. I then called XXXX as usual and spoke with a representative who instructed me to visit a Citi branch with the evidence requested by the XX/XX/XXXX Citi letter. The representative assured me that a banker at the branch would be able to forward the needed documentation.
XX/XX/XXXX Met with XXXX XXXX ( XXXX ) at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. XXXX was extremely methodical and thorough. Although he was initially unfamiliar with how to deal with my issue, he was ultimately able to access and review the entire history of my case/dispute. He was able to figure out how to upload the documents I provided using the Citi generated barcode that corresponds to my case Dispute Reference ID : XXXX. I provided him with the Citi email I received on XX/XX/XXXX which was addressed to my email ( the same email on file with Citi ). The email specifically confirmed my enrollment in the bonus promotion. XXXX XXXX and I were able to see the 12-page document that he had attached within Citis system for my case/dispute ( please see Citibank XXXX XXXX & XXXX Documents ).
XX/XX/XXXX I called XXXX for an update. I was told that the documents uploaded in branch by XXXX XXXX were attached to a case that is already closed. Turns out, XXXX XXXX was unable to identify this. The representative on the phone initiated a new case. Case ID : XXXX. The representative said it should take XXXX business days.
XX/XX/XXXX - I called XXXX. The representative was able to locate the new case and said that it takes 10 to 15 business days from the date the new case was initiated.
XX/XX/XXXX Given the upcoming CFPB deadline ( XX/XX/XXXX ) for my feedback for my original CFPB complaint, I provided CFPB feedback for Citis response to my original CFPB complaint. ( Complaint ID : XXXX ) XX/XX/XXXX I called XXXX for an update. The representative was able to confirm that the documents that were provided to a banker in branch are attached to the new case number. The representative also confirmed that she is able to view them. She went ahead and noted the previous Case/dispute reference numbers to the new one and said that she will make a note to the back office that I requested an update.
XX/XX/XXXX I called XXXX. Although 15 business days had passed since the new case was generated, I was asked to call again on XX/XX/XXXX.
XX/XX/XXXX - I called XXXX. The representative acknowledged that this is the second case for this request and stated that it is still under Appeal Review. The representative said that they are waiting for the Special Investigations Unit to make a decision. She said she made notes to accelerate the process. I was recommended to call back in 5 business days.
XX/XX/XXXX Citi electronically sent me, for a THIRD TIME, a letter titled Our Research Results with Reference ID XXXX ( see attached ). The letter contains the IDENTICAL TEXT as the letters dated XX/XX/XXXX and XX/XX/XXXX - previously mentioned in this timeline. The promotion code Citi referenced is the same as the XX/XX/XXXX letter, XXXX.
Receiving this third letter, the same template letter as the previous two letters, despite having provided documentation in person at a branch, led me to conclude that I was not making any progress with Citi and I was stuck in an endless cycle. The third letter made no mention of the documentation I provided in branch on XX/XX/XXXX.
Throughout this process, I have experienced inconsistent and contradictory communication, endless delays, no updates without my inquiry and a lack of specific and unified direction from Citi representatives regarding how to have my case resolved.
The contact number provided in the letters is the same general customer service number I have called numerous times. Citi did not provide me with contact information to a specific department or team that deals with my specific issue. Documentation and secured messages made no effort to provide a clear, direct and easy way to provide the documentation that their investigation team required. One representative on XX/XX/XXXX suggested visiting a branch and assured me that the documentation would reach the correct team.
Although I was very pleased with XXXX XXXX XXXX, professionalism and thoroughness to assist me during my branch visit, he was unfamiliar with the process and ultimately attached the document to a closed case that was already closed. He did the best he could and I am very appreciative of his efforts.
I would like to emphasize again that the third letter dated XX/XX/XXXX I received made no acknowledgement of the documentation that I submitted in person at a branch to XXXX XXXX on XX/XX/XXXX as a response to the identical, template Our Research Results letter with Reference ID : XXXX that I received on XX/XX/XXXX.
|
| 11/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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There is more than 1 complaint here so I will focus on Citi Bank/Mastercard first, as the only item placed on that card was the XXXX XXXX Mini Projector but there will be " spillover '' information from the other dispute for XXXX XXXX/Visa To whom it may concern : On XX/XX/XXXX, I visited XXXX XXXX, Nevada with my Sister-in-law, and on the last day that we were going to be there, we stopped by an electronics stand called XXXX The Source Electronics in between the two casinos that we were traveling to and from. During this visit, a man named XXXX convinced me to buy a {$5000.00} XXXX XXXX mini projector ( which he showed to me on XXXX as being listed for {$5000.00} but I later released that this was being sold by a third-party and therefore, according to XXXX, they could put any price that they wanted, the conversation that proves this is attached in many of my communications with the credit card companies ) which is actually a rebranded {$250.00} XXXX projector, along with XXXX XXXX XXXX XXXX XXXX portable Bluetooth speakers that he charged me {$790.00} each for when you can buy a comparable unit for $ XXXX {$60.00} on XXXX depending on features and quality you want.
This transaction was done over 2 credit cards so there are technically 2 complaints, one for XXXX XXXXVisa and one for Citi Bank/Mastercard. The mini projector was put on the Citi card so the dispute was handled by Mastercard. The Citi bank dispute/case number is XXXX for {$1000.00}. This is one of the craziest decisions because the receipt that was provided to Citi bank as proof that I agreed to pay the amount is not even the same amount as the amount in dispute, as you will see if you look at the attachment Citi bank dispute continuation.pdf you will see that the receipt sent in by the merchant not only has a different total ( {$1100.00} vs {$1000.00} ) but that the transaction numbers are different, the time of day is different and they claim that they sold me some platinum package for {$8900.00} off which implies that I bought some {$10000.00} platinum package from them when that is not the case at all, this receipt is for the XXXX XXXX Mini Projector and that alone but they put down this platinum package as well as a solar wireless charger, the charger is not wireless, you must plug stuff into it, it is claimed as being XXXX XXXX capacity but I can prove that it only holds about XXXX XXXX which I go over extensively in the document referenced before. Knowing all of this Mastercard still sided with the merchant because they were able to produce an obviously fraudulent receipt which even the people that I talked to afterward at the customer service centers agreed with but they said that once Mastercard makes a decision there is nothing they can do to change it unless we take action on our own.
Here is a list of events as they happened : On XX/XX/XXXX20 I talked to XXXX at Citi to initially file the dispute because my son had looked at what I bought and told me that I had been ripped off. Citi wanted me to send them a copy of the itemized receipt and then I realized that I never got one, the only receipts that XXXX gave me only had the total amount charged and my signature on them, nothing else. So, they first went about getting an itemized receipt from the merchant. I did not receive anything until about a month and a half later at which point I got the letter from Citi bank with the itemized proof that I owed the money but as I said they were obviously not the same receipts, the total amount was different, the time of day was different, the transaction ID was different, any first-year investigator would know that this was not a valid receipt but somehow this was accepted as the new legal record.
On XX/XX/XXXX20 I talked to XXXX about this issue stating that there must be some mistake and that this was obviously a fraudulent receipt that was sent to Citi bank I was told that they would investigate the claim and that a provisional hold was placed on my card.
On XX/XX/XXXX I talked to XXXX who stated that I had actually been approved for winning the dispute but that my last submission ( which was sent by regular USPS mail ) had some blank pages and that they just needed me to resubmit my last filing with them to get the credit applied to my account so I promptly did what was requested of me and waited.
A letter printed on XX/XX/XXXX20 was the last communication that I have had formally with Citi bank as it was the same letter they have been sending me for months that stated We have made every effort to resolve this dispute with the merchant and/or their bank but have not been successful. Unfortunately, the merchant is not willing to issue a credit to your account. We no longer have any additional recourse to pursue credit for you through the dispute process. You will need to seek other means to resolve this matter. Our investigation remains closed.
The reason I have not filed this before now is that I never got the original paperwork from Citi Bank and XXXX XXXX as to why they made the determinations that they did until just recently. For the Citi bank case I received paperwork dated back to XX/XX/XXXX20 but I only received it within the last 30 days. It claims that no credit was given because the merchant claims that I never requested credit and that I did not contact them within 14 business days which you can see is completely false. I provided all the record of my text message interactions with the salesperson ( First name XXXX, cell phone number XXXX ) asking for a way to return the items to them within days of me arriving home ( on the XXXX of XX/XX/XXXX2020 ).
I am not sure what else to include here for Citi bank but if you need any further information please feel free to contact me at XXXX or XXXX at any time.
I will attach the text message record by its self, in its own pdf container, but it is also at the end of the Citi bank dispute continuation.pdf, this was just to show Citi bank that I had in fact asked for a refund within 14 days and followed the merchant 's arbitrary rules. The last letter from Citi Bank states that the complaint from the cardholder is ( This can be seen in the attachment Citi Bank Final Response.pdf ) : Merchant Reason Code XXXX Credit Not Processed 1 ) Did the merchant accept returned merchandise or the cancellation of services and fail to issue a credit as disclosed at the point of interaction : YES 2 ) One what date did the cardmember cancel? : XX/XX/XXXX2020 3 ) Did the merchant disclose their cancellation policy to the cardmember? NO 8 ) Did the cardholder cancel a contract for a timeshare or any similar provision of services within 14 calendar days of signing the contract? NO ( N/A ) 9 ) What documentation does the cardholder have to support their claim : cm was not satisfied with the item Item # 9 is really a complete lie, I gave them over 23 pages of reasons as to why I was not only dissatisfied but had been quite literally ripped off. Then the only response from the merchant was : To whom it may concern, No credit is due.
The customer is supplied with all merchandise and has never requested a refund.
Please let the customer contact us for all questions and concerns at XXXX.
This was something that we did before contacting the credit card companies anyway because as I said one of the headphones arrived broken anyway, when I contacted them they told me that I would have to pay for both return shipping and the shipping of the new item out to me and that is when I and my son really started to consider that this company was just fraudulent. They will extract money out of you at every turn if possible and I dont know how but they seem to have Mastercard and Visas blessing to do this to people. Luckily it was just a large loss to my pride, and I could adsorb the ( hopefully ) temporary hit to my finances but I am sure that they have done this to hundreds if not thousands of customers.
As you can see from the document entitled XXXX XXXX XXXX.pdf my son went to XXXX chat and asked them about the {$5000.00} XXXX XXXX Mini Projector and whether XXXX actually backed up those prices or of if the price could be set by the third party seller to whatever they wanted. According to the representative as long as the items were not deemed essential items such as hand sanitizer then there was no price checking ongoing. It was up to the consumer to evaluated whether the item was actually worth {$5000.00} or not. I then sent this transcript to the XXXX and never heard anything back from them at all but they did shut down the XXXX Access store that was selling the {$5000.00} item and started a brand new store called XXXX XXXX with the same pricing scheme as before but it was obviously the same people running it.
All of this information I would have thought would be more than enough to get the credit card companies to reverse the transactions and that would be that ; I even offered to send all the stuff back to them to try to resell to some other people but that was never good enough. So now I am passing all of this off to as many consumer protection agencies and law enforcement agencies that I can think of and that will listen to my complaint. This will at least be sent to the Consumer Protection Bureau, FBI, FTC, SEC, and XXXX if I can not find anymore. I expect that these agencies will actually do their job and look over the evidence and not just side with the merchant because they have a signed slip of paper. I didnt agree to be defrauded, so that slip of paper should be meaningless after all of the evidence I have provided.
The letters attached as " Citi Bank Final Response are the last letters that I got in the mail from them but they may not be the last time I had contact with them over the phone, however, as things stand now, there is no active investigation on either account and according to them, I owe all the money that was charged. Please help me fight this as I do not have the money to hire a lawyer and fight it directly myself.
Thank you, XXXX XXXX XX/XX/XXXX
|
| 01/11/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Appeal : Dear Citibank, I hope this message finds you well.
I have contacted many people who have not helped me or who have not given me a fair chance. I am confident that with writing to you I will be able to get my 4 Citibank credit cards that were mistakenly closed re-opened.
I am writing this letter to request my 4 Citibank credit cards get re-opened and remain opened and my great relationship with Citibank to be re-opened and remain opened.
Credit cards needing to be re-opened and remain opened : 1. Citi/AAdvantage Platinum Select World Elite Mastercard ending in XXXX XXXX. Costco Anywhere Visa Card ending in XXXX XXXX. Citi Diamond Preferred Card ending in XXXX XXXX. Citi Premier Card ending in XXXX With gratitude, as a loyal Citibank active member with multiple years of great business with Citibank, I need my 4 Citibank credit card accounts and great relationship with Citibank to be opened. I have never missed a payment, have always paid in full or even extra than the statement amount, and have been exemplary in this. This is evident by the current negative balance as I have always paid my cards in full or more. I have never missed a payment and have always paid early or on time. One of the bankers at Citibank even called me an exemplary customer. Thus, I am not sure where the errors happened and likely could be miscommunication on both ends.
I spoke to a representative recently who stated that indeed Citibank did make errors on my account and they should not have been closed. When both Citibank reached out to me and when I reached out to Citibank to confirm these charges were mine, the representatives I spoke to prior to this recent one said they would help me resolve this issue yet they failed to.
In the past few months, I have talked to many representatives who misheard me or gave me wrong information regarding my accounts when I was simply trying to get new credit card account numbers as someone was gaining access to my account and me misplacing my wallet for a brief second. I was told multiple times it was an error and they acknowledged that it was due to someone not verifying my information. I was also told by someone that they were closed because someone else applied for them and not me. I have been hearing multiple things. I was then told it was due to disputes made which I never made at all. There was also a security flag on my purchases despite my verifying those were indeed my purchases multiple times. Those I spoke to on the phone clarified that indeed it was not me but someone who made them in error and they assured me they would cancel them out per my request, but no one followed through.
Yet no one has reopened my 4 credit cards yet even though I was promised they would as I was told it was an error but still have not gotten any of my 4 credit cards re-opened yet due to this error. They mentioned there or was that someone was placing disputes under my name and they were able to cross reference with all of my cards and indeed found that I mentioned that all the purchases I made on my account were my purchases except for one thumbtack purchase which someone had asked me specifically about in one of the calls. Multiple times, I clarified the disputes and charges are mine.
I want to make it very clear that I never made a dispute at all except for one inquired claim against thumbtack for {$250.00} due to no one showing up for the service they promised and Thumbtack refusing to refund me. Moreover, if there were disputes under my name that I did not place no one at Citibank even called me to clarify whether or not these were legitimate and no one contacted me. I had to personally let Citibank know multiple times when I received notification of disputes that were not mine and I clarified that the charges were valid multiple times over the phone but it seems like they either misunderstood me, kept transferring my calls, or failed to do so, which unfortunately has impacted me and has now caused me weeks of anxiety and frustration. I just had a complete shock when I found I was not able to use my credit cards even though I personally reached out to get this issue resolved. All I got was an errored closure of all 4 of my cards ( one of them being brand new ) without notice and getting trouble re-opening them. Fraud, disputes, and customer service team referred me to the executive team as no one has been able to help me but even the executive team is also trying to communicate with fraud who do not even know how to re-open them.
I have not been able to reach anyone to fully help me who will work with me and willing to work with me to get my 4 Citibank Credit Cards reopened. I am pretty much desperate and frustrated. I use my cards to get my medications and if I delay getting them further I will get severely sick on top of that I use it for subscriptions that are automated and I have multiple bills attached to the Citi Credit Cards which I absolutely love ( hence I applied and got approved for 4, with good credit and good limits, with my credit limits recently being increased and also a new card opened with you both ). I have been a loyal Citibank member for over 11 years and I hope this error gets fixed and I can get my 4 Citibank credit cards reopened and reactivated.
In the midst of all of the confusion, which was also could have been partly my fault because of miscommunication, it triggered activity on my one of my accounts leading to someone closing all 4 of my accounts on XX/XX/2023 in error. The letter I got was false and stated, misrepresented disputes and this is false because I said I made no disputes at all aside from an inquired claim for thumbtack on my statement and I verbally told Citibank to cancel out any disputes that were placed under my account multiple times aside from my Thumbtack inquiry. Every time I try to resolve this issue or try to work with Citi to get my credit cards re-opened, I get this same generic answer which is false.
I am also not very technologically savvy and have a XXXX. It was a simple request to get new numbers due to someone potentially gaining access to my account and me misplacing my wallet a while ago and possible one thumbtack claim. I had not even gotten the chance to fully use my XXXX card which is what I was excited about. Moreover, this is going to hurt my credit score ( as I have a combined {$36000.00} credit limit on all 4 of my credit cards ) and will overall hurt my credit really badly so I want to avoid this. I also only own my Citi credit cards as I have been a loyal customer appreciative of Citibank for a decade. I am also traveling and need to purchase my medications and other items and will need to use all 4 of my credit cards.
I have talked to countless representatives and associates even going directly to the bank but I have had no luck so far and no one has been able to help me. I am confident that in writing to you, I will get this resolved quickly and smoothly and get my 4 Citibank credit cards re-opened promptly and I am very appreciative of this matter.
I have developed an action plan and I pledge to you that I will do my due diligence moving forward to have optimal security avoid any misplacements or even fraudulent activity. I can assure you, this will never happen again, as I have took the proper measures to secure my accounts and identity. I also placed extra security including security alerts on both my social security card and the credit bureaus, changed my passwords to make them more secured, placed 2-factor authentications, and removed any authorized users. I am also happy to oblige and comply with any further action plans that Citibank may want to ensure my security for my 4 credit card accounts moving forward including but not limited to any additional security measures you can work with me to ensure my accounts are safe and secure.
As I have been, I assure you my credit card accounts will remain secure, satisfactory, safe, and I pledge to you and I assure you, there will be no further miscommunication or misunderstandings as I have now placed all the necessary security measures to avoid this issue happening again. I pledge to put forth great effort to establish a clear relationship and maintain the security of my credit card accounts. I pledge continue to abide by all of the rules, regulations, and policies of Citibank. I pledge to be cautious and take advocacy for my account fully, promptly, and with clear communication moving forward.
I am more than happy and willing to provide any further information or documentation you may need and I am willing to work with you to get my 4 Citibank credit cards re-opened and remain opened as I whole-heartedly know this errored closure is unfair.
I would like you to please consider all of this, please consider my great relationship with Citibank, please consider my personal outreaches and efforts, to get issues resolved ahead of time, please consider my excellent history including payment history, and please consider the negative impact these errored closures have been making on me and will continue to make on me including my credit, my medications, my purchases, my XXXX XXXX membership and travel, my Costco membership and purchases, and others all due to this error that could have been prevented and I feel this is unfair, and please re-open all 4 Citibank credit cards with new numbers and send them overnight to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I am highly appreciative of your time and of you re-opening my 4 Citibank credit cards and sending me new numbers. Please do not close any of my accounts again. Please re-open and keep open my great relationship with Citibank.
Thank you for your time, understanding, and patience and thank you for re-opening all 4 of my credit cards. I am highly looking forward to my 4 credit cards getting promptly re-opened and me resuming my loyal secure credit card relationship with Citibank again.
Warmly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Cell Phone Number : XXXX
|
| 01/11/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Appeal : Dear Citibank, I hope this message finds you well.
I have contacted many people who have not helped me or who have not given me a fair chance. I am confident that with writing to you I will be able to get my XXXX Citibank XXXX XXXX that were mistakenly closed re-opened.
I am writing this letter to request my XXXX Citibank XXXX XXXX get re-opened and remain opened and my great relationship with Citibank to be re-opened and remain opened.
Credit cards needing to be re-opened and remain opened : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ending in XXXX XXXX. Citi XXXX XXXX XXXX ending in XXXX XXXX. Citi XXXX XXXX ending in XXXX With gratitude, as a loyal Citibank active member with multiple years of great business with Citibank, I need my XXXX Citibank credit card accounts and great relationship with Citibank to be opened. I have never missed a payment, have always paid in full or even extra than the statement amount, and have been exemplary in this. This is evident by the current negative balance as I have always paid my cards in full or more. I have never missed a payment and have always paid early or on time. XXXX of the bankers at Citibank even called me an exemplary customer. Thus, I am not sure where the errors happened and likely could be miscommunication on both ends.
I spoke to a representative recently who stated that indeed Citibank did make errors on my account and they should not have been closed. When both Citibank reached out to me and when I reached out to Citibank to confirm these charges were mine, the representatives I spoke to prior to this recent one said they would help me resolve this issue yet they failed to.
In the past few months, I have talked to many representatives who misheard me or gave me wrong information regarding my accounts when I was simply trying to get new credit card account numbers as someone was gaining access to my account and me misplacing my wallet for a brief second. I was told multiple times it was an error and they acknowledged that it was due to someone not verifying my information. I was also told by someone that they were closed because someone else applied for them and not me. I have been hearing multiple things. I was then told it was due to disputes made which I never made at all. There was also a security flag on my purchases despite my verifying those were indeed my purchases multiple times. Those I spoke to on the phone clarified that indeed it was not me but someone who made them in error and they assured me they would cancel them out per my request, but no one followed through.
Yet no one has reopened my XXXX credit cards yet even though I was promised they would as I was told it was an error but still have not gotten any of my XXXX credit cards re-opened yet due to this error. They mentioned there or was that someone was placing disputes under my name and they were able to cross reference with all of my cards and indeed found that I mentioned that all the purchases I made on my account were my purchases except for XXXX thumbtack purchase which someone had asked me specifically about in XXXX of the calls. Multiple times, I clarified the disputes and charges are mine.
I want to make it very clear that I never made a dispute at all except for one inquired claim against thumbtack for {$250.00} due to no one showing up for the service they promised and XXXX refusing to refund me. Moreover, if there were disputes under my name that I did not place no one at Citibank even called me to clarify whether or not these were legitimate and no one contacted me. I had to personally let Citibank know multiple times when I received notification of disputes that were not mine and I clarified that the charges were valid multiple times over the phone but it seems like they either misunderstood me, kept transferring my calls, or failed to do so, which unfortunately has impacted me and has now caused me weeks of anxiety and frustration. I just had a complete shock when I found I was not able to use my credit cards even though I personally reached out to get this issue resolved. All I got was an errored closure of all XXXX of my cards ( XXXX of them being brand new ) without notice and getting trouble re-opening them. XXXX, disputes, and customer service team referred me to the XXXX team as no one has been able to help me but even the XXXX team is also trying to communicate with fraud who do not even know how to re-open them.
I have not been able to reach anyone to fully help me who will work with me and willing to work with me to get my XXXX Citibank XXXX XXXX reopened. I am pretty much desperate and frustrated. I use my cards to get my medications and if I delay getting them further I will get severely sick on top of that I use it for subscriptions that are automated and I have multiple bills attached to the Citi XXXX XXXX which I absolutely love ( hence I applied and got approved for XXXX, with good credit and good limits, with my credit limits recently being increased and also a new card opened with you both ). I have been a loyal Citibank member for over 11 years and I hope this error gets fixed and I can get my XXXX Citibank XXXX XXXX reopened and reactivated.
In the midst of all of the confusion, which was also could have been partly my fault because of miscommunication, it triggered activity on my XXXX of my accounts leading to someone closing all XXXX of my accounts on XX/XX/2023 in error. The letter I got was false and stated, misrepresented disputes and this is false because I said I made no disputes at all aside from an inquired claim for thumbtack on my statement and I verbally told Citibank to cancel out any disputes that were placed under my account multiple times aside from my Thumbtack inquiry. Every time I try to resolve this issue or try to work with Citi to get my credit cards re-opened, I get this same generic answer which is false.
I am also not very technologically savvy and have a XXXX. It was a simple request to get new numbers due to someone potentially gaining access to my account and me misplacing my wallet a while ago and possible XXXX thumbtack claim. I had not even gotten the chance to fully use my XXXX card which is what I was excited about. Moreover, this is going to hurt my XXXX XXXX ( as I have a combined {$36000.00} credit limit on all XXXX of my credit cards ) and will overall hurt my credit really badly so I want to avoid this. I also only own my Citi credit cards as I have been a loyal customer appreciative of Citibank for a decade. I am also traveling and need to purchase my medications and other items and will need to use all XXXX of my credit cards.
I have talked to countless representatives and associates even going directly to the bank but I have had no luck so far and no one has been able to help me. I am confident that in writing to you, I will get this resolved quickly and smoothly and get my XXXX Citibank XXXX XXXX re-opened promptly and I am very appreciative of this matter.
I have developed an action plan and I pledge to you that I will do my due diligence moving forward to have optimal security avoid any misplacements or even fraudulent activity. I can assure you, this will never happen again, as I have took the proper measures to secure my accounts and identity. I also placed extra security including security alerts on both my social security card and the credit bureaus, changed my passwords to make them more secured, placed XXXX authentications, and removed any authorized users. I am also happy to oblige and comply with any further action plans that Citibank XXXX want to ensure my security for my XXXX credit card accounts moving forward including but not limited to any additional security measures you can work with me to ensure my accounts are safe and secure.
As I have been, I assure you my credit card accounts will remain secure, satisfactory, safe, and I pledge to you and I assure you, there will be no further miscommunication or misunderstandings as I have now placed all the necessary security measures to avoid this issue happening again. I pledge to put forth great effort to establish a clear relationship and maintain the security of my credit card accounts. I pledge continue to abide by all of the rules, regulations, and policies of Citibank. I pledge to be cautious and take advocacy for my account fully, promptly, and with clear communication moving forward.
I am more than happy and willing to provide any further information or documentation you XXXX need and I am willing to work with you to get my XXXX Citibank XXXX XXXX re-opened and remain opened as I whole-heartedly know this errored closure is unfair.
I would like you to please consider all of this, please consider my great relationship with Citibank, please consider my personal outreaches and efforts, to get issues resolved ahead of time, please consider my excellent history including payment history, and please consider the negative impact these errored closures have been making on me and will continue to make on me including my credit, my medications, my purchases, my XXXX XXXX membership and travel, my XXXX membership and purchases, and others all due to this error that could have been prevented and I feel this is unfair, and please re-open all XXXX Citibank XXXX XXXX with new numbers and send them overnight to : XXXX XXXX XXXX XXXX Emergent Way Unit XXXX XXXX XXXX, CA XXXX I am highly appreciative of your time and of you re-opening my XXXX Citibank XXXX XXXX and sending me new numbers. Please do not close any of my accounts again. Please re-open and keep open my great relationship with Citibank.
Thank you for your time, understanding, and patience and thank you for re-opening all XXXX of my credit cards. I am highly looking forward to my XXXX credit cards getting promptly re-opened and me resuming my loyal secure credit card relationship with Citibank again.
Warmly, XXXX XXXX XXXX XXXX Emergent Way Unit XXXX XXXX XXXX, CA XXXX Cell Phone Number : XXXX
|
| 01/02/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
This all started on XX/XX/XXXX when I called macys.com to make an adjustment on three purchases four five different shirts of the same brand that went on sale this only happens once a year on those designers and they are half price so it had been only five days since I had purchased them when thesale happened and at first I thought everything was fine because I explained to the lady that I was adjusting three different purchases five different shirts and she had to give me half the money back so I was surprised when she told me she was done because I thought it was super fast then I waited a few days and noticed that only one shirt changed so I called back asked why the other ones never got changed so that's when I got the response of saying that it had been more than 10 days to make an adjustment so I went on to say that it was not the first time I called that I was calling to see why they didn't change them the first time the guy was from somewhere in XXXX and was not getting the point I had to explain a few times and different ways and still the guy kept telling me that it was too late to change the price so I asked that he connect me to a supervisor but he told me he was a supervisor and offered to change one of them only as a favor which I refused because I wasn't asking for favors I was asking for the fair Deal but then he said he wasn't going to do it so I asked him if he had said he wasn't or he couldn't and he said he wasn't because I wouldn't take his offer and that's when I said I needed to talk to somebody else and he didn't even say anything just ended up connecting me to some other department that have nothing to do with that kind of stuff and even the girl was surprised because she said that they didn't even introduce this so I explained to her what I was trying to do and again she told me that it was too late to change the price so I had to explain to her again that I had called on the XX/XX/XXXXto adjust the price which was within the 10 days so after a long discussion she called it another person and they ended up saying that they were going to do it but again more days passed and they never change tell by that time I had to call back a little bit upset and asked what was going on with the delays and they just kept going in circles so then after that my order started getting cancelled and I called to see what was going on with that and they told me that I was getting declined so the first time I thought it was normal I guess and I had the person put the order in for me so when I gave her the card she told me I got declined again that maybe feel weird but I offered to pay with a different card which also got declined then I gave her another card which got declined then another card got declined so I said try my debit even my debit card declined that's when I knew something was wrong and it wasn't me so she said that I had to talk to my credit card since you always going on so I went ahead and called each and every single one of my cards and they told me that all those payments went through and more than once so they ended up bouncing back but not without maxing out my cards in order for the money to be available again it takes a few days so my recurring payment started bouncing back and in the end I ended up with multiple purchases of the same item in different cards at the same time when all the money started coming back slowly later on I know it is that some of those items didn't get returned and it looked like I had bought the same thing many times with different cards so I started opening disputes with my credit cards against Macy's and slowly they started retrieving my money back by I suppose the people at macys.com and the end of left one of each of the purchases but I had predicted a problem like that so what I did was returning everything that I did buy that month just so they wouldn't be any misunderstandings but then I noticed that even though I did that in the end they said that I owe XXXX so I called back and asked why I owed money if I didn't keep anything and they just said that I had purchased both so I explained that I never kept any of things and that I should break even but they insisted that they had to give him the money back to them and that now that was only one purchase but I said that even that had gotten return whatever I did I forget and my statement was wrong so in the end they ended up XXXX it out and when I looked at the statement again it said - XXXX which immediately I knew was my star points which is rewards that I gather as I purchase on and I called and asked them to return my points but they said that those were non-refundable so I got mad and said why are you not going to give me my points that it's money that I use to buy stuff so it should get returned and they said that no they couldn't do it and by that time they probably already knew who I was because they were acting very rude the app or website kept crashing on me and all my order started just getting denied so I waited a few weeks for everything to clear and hope that everything got fixed and then around XXXX when I try to buy some gifts for my nephew's I placed an order for some toys and minutes later I got the email that my order has been cancelled so I called again and asked why my order was canceled and they said that I had gotten sick line so the girl offered to put in the order for me and I said no because I already knew that if it was getting declined she was going to ask me for a card and I was going to give it to her and then she was going to put it in as you was going to see declined again and then I was going to give her another or card and it was also going to get declined but in reality they were already getting approved on their side but not on theirs so she told me to talk to my credit cards and I also said that I had already done that and that they had told me that all those purchases that we're getting declined with Macy's we're actually getting approved so I caught the problem before it happened again so she ended up connecting me to somebody that can help me which was some nice lady from Citibank when we got connected on a 3-way call she told the girls at why was I get in the client if they had approved the purchase and not only once but twice already so the girl said no it says Decline and the lady and Citibank said no I'm telling you it's approved and two times so she asked her to release the customer to her and she ain't told me to wait then she came back a few minutes later and told me that they had found the problem somebody on macys.com had a flag my account so that I wouldn't be able to make any purchases online but on the credit card and even though I wasn't placing the orders the payments were going through so she asked me not to buy anything online if I wanted anything I had to go personally to the store so I did that I got my nephews gifts in person and started writing to everybody I could for help even Macy's corporate but I never got an answer then later somehow my statement reappeared in my account when I ask Macy's to prove to me that I have purchased those things and that's when things went really weird all of the sudden all the purchases I had made of that month were all cut in half and they all said new account discount even though they were all weeks apart they all had the same discount I called and asked why they had done that is first of all those items shouldn't be there also it said there that I had made thousands of points which is impossible for one month I suppose the points is the part that gives it all out because you cannot collect so many in such a short. Of time and if you just disappear the purchases the points kind of just float around so now Macy's had contact me asking me to prove to them that I have returned everything which I can but my credit cards had told me not to speak to them until they actually submitted proof or explanations on all those transactions which they cannot also after that incident I started receiving weird calls weird emails subscriptions 2 XXXX inclined websites call and hang up call and stay silent weird stuff started going on alerts of trying to enquire or open XXXX accounts that I never made purchases and City four states that I was never in and it's seriously just messed up most of my recurring payments and options for credit now I'm at the point where I had to close some of my credit cards down because I just felt like I couldn't keep track of everything and I just don't know what to do anymore luckily I found you guys that I know you you or somebody you know has the power to help and resolve this I am attaching both of those statements around that time forXX/XX/XXXX and XX/XX/XXXX and note that that account is new so the XX/XX/XXXX statement will be the first-ever which gives it all out because I could have never made so many points and such a short. Also some of the stuff in there is back again which shouldn't be there and the last thing I noticed was the toys for my nephew's we're still added on to the next statement even though I went back and returned them and for the returns I only see partial Returns on everything or stuff that in the end got paid by other cards appear with the Macy's card because that was the first attempt but also got declined so I had to use other payment methods I am sure you will have lots of questions and I don't want to make this a long book so please help me and if you want to talk my phone number is XXXX or my email is XXXX and all I know is that the guy I spoke to in the call after XX/XX/XXXXis the one who did it I hope they did not erase the voice call record for all those interactions but either way I believe I have proof I've lots of things that are discrepant in my statements and I will attach them here just so you could get an idea of what happened according to what XXXX sees and what I say and your experience should complete the circle thank you so much for taking the time 2 acknowledge my case I hope all this can help somebody in the future
|
| 07/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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This complaint is regarding Citibank on a credit card I had with them previously - after closing the account they never advised of any outstanding balances until it was almost 4 months delinquent. They have no communications with me, constantly contradict themselves, try to back track on their stories so they don't look bad. They have caused damage to mine and my husbands credit - and are now asking for funds that were are unable to pay in full.
I had a credit card for several years with Citibank - after moving, we had limited funds and closed the account after what I had thought had paid the full balance - they never told me otherwise. After the account was closed, the online account system was closed and I figured everything was settled up - but never received anything in the mail or any phone calls for several months.
Then around XX/XX/XXXX, we got a few letters in the mail stating that there was an unpaid balance - I called the number on the letter and was told they couldn't find anything and I had thought that maybe the letter was a scam. I had researched the phone number and nothing came up for a Citibank number and the person who signed didn't come up either.
After about 2 months I finally figured out that they made a change in my account and I could only find the account when it was in collections - I talked with a lady XX/XX/XXXX and had a lengthy conversation about my income situation and we came up with a payment plan - based on our conversation the lady had said that we would make payments for 12 months - one of $ XXXX/mo and one of $ XXXX/mo - and after that year the balance would be forgiven. I started by calling in monthly to make the payments - and then in XXXX of XXXX I switched to having auto payments withdrawn my from account - with the impression that those payments would stop once the agreement had been reached. We never received any mailings confirming the payment plan - no emails - nothing.
My husband and I went along with this and then XXXX of XXXX the auto payments on our account stopped - well it had been a year of payments - so we weren't surprised. Again - we received no letters, no emails, no phone calls - nothing. No communications for 6 months. Then XX/XX/XXXX, my husband was checking his credit and found a Citibank reporting on his credit with delinquencies for 2 moths. My husband and I called in XX/XX/XXXX to the phone number that XXXX - we got transferred from customer service - who stated they couldn't help us - to collections - who also said they couldn't help us to finally - Citi Preferred customer service agent named XXXX - we spent about 2 hours on the phone with him trying to figure out what had happened to our account.
XXXX told us that there were 2 payments made since the posted payments in XXXX - both of XXXX $ in XXXX & XXXX from online and that in XXXX there was a letter that was viewed online. He also stated that there had been a letter, emails, and phone calls from XXXX up until XX/XX/XXXX of XXXX - NONE of which were received by either myself or my husband ( we checked our phone logs and no number came up that matched Citibank numbers and we went through our email and found no email communications - my husband and I are the only ones who get the mail with our mailbox being 1 of 2 mailboxes in the same area ). After explaining to XXXX we did not have access to our online account - he advised that the only way to gain access is with the credit card that was connected, when we told him we don't have that information anymore because it had been 2 years since the account was cancelled he told us we could not gain access. XXXX also explained that auto payments were cancelled after a return payment in XXXX ( based on our bank records there are no attempted withdrawals in XXXX ).
XXXX then also explained that we were on a payment plan that we wouldn't be able to access our online account because of this. We then asked him how we were able to view a letter off the account and make those payments, if we don't have/ca n't get access to the online account - he said we couldn't. We then stated that he was contradicting himself because he stated that we made payments/viewed letters online - but also telling us that it is not possible for us to do that since we don't have online information/our online information was closed when we got on the payment plan. XXXX then attempted to back track - we got frustrated and the call was escalating, so we hung up.
I called back to the preferred customer service later XX/XX/XXXX - I talked with an agent ( XXXX ) - reviewed the payments that were made in XXXX/XXXX. He could not tell me the last 4 numbers on the account, but I provided the only bank accounts that we have and XXXX confirmed that it was not made from any of those accounts. I asked how it was possible that those payments were made as they weren't from our accounts - he wasn't able to answer further than " we just accept that payments, we don't care where they come from ''. He then confirmed all my personal information ( address, email, phone number ) and I verified all that information with him. He also advised that the auto payments were manually stopped, but couldn't provide the reason why. He also advised that they could not send out the original payment agreement letter - as that was only sent out once when the plan was established. XXXX advised that the payment plan never stated that it was only for 12 months, but was established for 60 months at the agreed payments. Made a {$60.00} payment in order to keep the account from being charged off - as XXXX stated if I don't make this payment by XXXX Eastern time then the account would be sold to another collection agency. Nothing else they could do.
Called back again on XX/XX/XXXX and spoke with XXXX - verified that the payments XXXX/XXXX - def were not from our account. XXXX could not give me a reason as to how the account was accessed online if we don't have any of the username/password information - only way to access this information is with the CC number and CVC code. She advised that we would still need to make payments for another 40 months in order to get the balance paid and that there was nothing further that they could do about the missed payments because the account was already under an agreement - and an account could only have 1 agreement through the life of the account. Did not re-establish auto payments since it's already been removed once for no known reason. XXXX also advised that I had two separate accounts with Citibank ( I only had one, as far as I was aware ). I asked for any suggestions - there are none.
I then called to see if there was a way to gain access to the online account, since according to XXXX stated " it was accessed in XXXX ''. Customer service and IT advised that there was nothing they could do without the account number. I then ended up in advanced technical support with an agent named XXXX - he could not provide us any information over the phone but said he would send out the account number/replacement and to access the online account ( this information still hasn't been received as of XX/XX/XXXX ). He did tell me the last four digits of the bank account and it is not any that my husband and I currently own. XXXX submitted a complaint on my behalf against the agent XXXX.
A few days later ( XX/XX/XXXX ) to ask further questions about the supposed 2 accounts with Citi. XXXX advised that XXXX ( master card ) account was established a few years later - I advised that I only had a XXXX card ( visa ) card until I had reported my card lost/stolen/fraud charges and then I received a master card in the mail and I had assumed that it was the same account and just changed due to those charges. XXXX stated that the mastercard was a promotional card that since it was used was then it because a real account - which is why there were two accounts - this had not been disclosed previously. She stated that the balance of the visa card is {$3700.00} and the master card was {$2400.00}. She also advised that the agreement was that auto payments were set up for a year - not that the plan was for a year. This plan is set up for 0 % interest and {$0.00} late payments as of XX/XX/XXXX - previous to that there were interest and late fees that accused on the balances before hand. Asked for any help they could give - she said nothing they could do.
XX/XX/XXXX, my husband and I called in again to the preferred customer service line and spoke with XXXX to discuss a settlement of the account in order to just get rid of this debt and be done with Citibank. XXXX advised that we could not enter a settlement agreement unless we " broke the current agreement that we had, and there is no guarantee that the settlement would be agreed upon - if the settlement was rejected then we could not get back onto the original agreement ''. He said this could mean we'd be back on full payments, but couldn't estimate what that would be or how it would effect the account. We asked to speak to a manager and talked with XXXX, she introduced herself and advised she's an account manager. XXXX advised that if we broke our agreement that nothing would essential change - they would leave the account at a 0 % interest rate and {$0.00} late fees - which based on her review on the account would essentially mean that our monthly payments would be the same. She was not able to give us any written confirmation of this - but stated it was in the account and we can continually ask for a manager when calling in, which would get us to her department ( account managers ). We reviewed the information about the online account and how it was possible that it was accessed if we weren't able to get into our account - she advised she had no clue and based on her information all it said was www user - which was weird because it should say the username of the person who was online. Also confirmed there was no way to access the account with the card/account number.
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| 05/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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This complaint is in response to Citi, their usage of programs including Payment Safeguard, and the refusal to refund fees taken from me, the continued use of the program, the unethical responses that show conflicts and changes to their story, and overall predatory practices.
The simplest breakdown of my complaint is the following. After numerous requests regarding refunds via Citi and Payment Safeguard they have declined. However, through the course of these requests through phone calls, and the CFPB Citi has shown holes in their story, exposed themselves to inaccuracy, and has either lied or acted unethically. Citi claimed initially that I signed up for a program called payment safeguard over the phone in XXXX. Via their letter they say that there are not phone records of this due to time and I further express that I never signed up for it. That in and of itself should be grounds for refund based off of their XXXX fine and ordered payback. Then in a second letter where they declined refund they admit that I never signed up for Payment Safeguard in that the program I supposedly signed up for ( which I still maintain I did not ) underwent a name change that was not communicated to customers. This also should demonstrate that I should be allowed refund in that my story truly does show I never signed up for a Payment Safeguard.
Further discrepancies arise between the two letters when looking at the mailed statements they claim to have sent, and emailed statements. The first letter says two letters were mailed about ending Payment Safeguard in XXXX and they attempt to say there were never undeliverable but fail to address that undeliverable should not warrant an argument in that no letter would be mailed back to them unless it was certified mail. Further, they discuss emails and undeliverable without addressing how something from Payment Safeguard would likely go to an email as spam because of the predatory nature and inability to be found online. Thus they did not communicate effectively the name change, the predatory nature, or the issues with this fee that appeared on statements.
As to their claim that they mailed monthly statements that addressed how to cancel Payment Safeguard that is simply untrue. As per the attachment there is no information regarding what Payment Safeguard is, what it does, or why enrolled. Per the attached statements it is clear that there is only a phone number with zero explanation or information. In fact the phone number listed is one of 5 listed on a statement. Simply put, Payment Safeguard is listed as a fee and is predatory.
Finally, in the documents on the CFPB website it clearly states that Payment Safeguard enrolled clients of Citi would not need to do anything to receive a refund which is contrary to the information from the most recent Citi letter. Nowhere in the CFPB documents does it state a timeline, a due date, or a timeframe in order to receive a refund. This is all the more difficult when an individual did not sign up for a program, was unaware they were enrolled, and did not know how to end fees that amounted to thousands of dollars. Especially when Citi changed program names, was held culpable and fined by the CFPB, and took advantage of consumers.
Citi took advantage of consumers, paid refunds to some, and is attempting to get out of refunding my account over contradictory information that is misleading and frankly flies in the face of the information the CFPB has given out. A full refund should be granted for any and all fees taken from my account on behalf of Citi and the supposed Payment Safeguard. The fact that they still work with this predatory arm is shameful and misleading. As a customer of Citi for XXXX years I am appalled to be so taken advantage of by an arm of the company that can not even be contacted by phone. Finally, if they can not prove I enrolled, that alone should be grounds based off of the CFPB payout.
Below, is my previous complaint which also expresses dates, holes in the Citi framework, plan, and customer handling experience.
In XXXX of XXXX during a conversation I was made aware of an issue with Citi due to something called Payment Safeguard. After doing some digging I realized that I was enrolled in this program and tried to find out what it was. Unfortunately there is no tie to Payment Safeguard anywhere on the Citi website, and as the attachments show there is not a Payment Safeguard website that exists. I was able to track down a phone number via a statement and called to find out what the program is. I was then told of services and a plan that I never enrolled in. I instantly cancelled my enrollment because I was unaware I was a part of it and slowly came to the realization that Citi and Payment Safeguard had taken thousands of dollars from me over the course of years. I went back through old statements and looked on in horror to see that this payment safeguard is simply listed as a fee and not an extra service, nor something I enrolled in. It is on the second page and looks like a charge and nothing else. Without knowledge of being enrolled in the program it is impossible to know what it is and it only looks like the cost of doing business with Citi. After finding out about this program that I was enrolled in without my knowledge I did more research only to find that the CFPB fined city XXXX XXXX dollars and ordered them to pay back XXXX XXXX to duped customers which I was one of. However, I never received a refund, nor any communication from city in or around XXXX when this refund took place. Nor did Citi send out any information when they were fined in XXXX to individuals enrolled in Payment Safeguard what had happened with the fine, what the program was, why they were in the wrong, or what to expect regarding refunds. Aside from newspaper stories and what was published by the CFPB it appears they swept things under the rug. At the end of XX/XX/XXXX I reached out to numerous Citi customer service reps and was told repeatedly that they could not give me any information on Payment Safeguard because it is a separate department and could only show that there was a case that I requested pending. Further, I called Payment Safeguard numerous times and all they could say was that a request was sent for review to some department in Citi that was impossible to transfer me to. I repeatedly said that I never enrolled in this program, wanted my money back, and was frequently passed around. In one instance when I called the payment safeguard number it redirected me to a service that tried to sell me services as opposed to any customer service. In XXXX of XXXX I received a letter from Citi saying that I enrolled in this program in XXXX and that because I was covered by the program I could not receive a refund. I immediately inquired for a new review because a. ) I never signed up, b. ) they issued refund for their practice with this company ( something I should qualify for ) c. ) was never notified of the program, details, supposed benefits d. ) was not notified of they refunds, payouts, or the issues involved. I received another letter saying the same thing, that I signed up in XXXX and would not receive a refund. I then set up a complaint with the CFPB regarding some of the information that I stated clearly above, and my need for a refund for any and all fees paid to Payment Safeguard based off of Citi 's deceptive practice for which they were fined. Yesterday, I received notice from Citi that I will not receive a refund based off of weak and deceptive claims that do not answer the questions answered. As I have always said I did not enroll in the program. Citi claims that I did over the phone in XXXX but does not have any record to prove this as they clearly mention in the letter attached. This alone, along with their fine and fee should be grounds for a refund. They were proved deceptive, can not prove I signed up which I state I did not, and should thus refund all fees from XXXX XXXX. Second, they state that there were communications sent in XXXX, one via email and one via mail. These communications were never received, nor can Citi prove they were delivered. Their letter states that they did not receive notice that they were " undeliverable '' but only certified mail would be returned to the sender and a letter from Citi would not have met this criteria. Thus, to use that as legal standing is once again deceptive and simply incorrect. Finally, as the letter states the fees are listed on the statement which is true but also not clear nor understandable. There are numerous numbers, fees, lines of interest, etc. on every statement. As an individual that did not sign up, did not know of the program, and without any knowledge of it there is no way to know it was an add on. It is only listed as a fee and does not state it is with a separate company or outside entity. All of these reasons clearly show the pattern that Citi engaged in and has continued to even though they were fined and were forced to submit refunds. These continued practices along with no proof of communicating to me the consumer, nor proof of my enrollment qualify for a refund and should have happened in XXXX. Marrying this with their lack of communication of the program, what it entails, or that Citi was found liable for their practices further shows that there should be a refund. The letter Citi sent is flawed, makes blanket generalizations, carries no proof of good faith operation, nor consumer conscience. It only shows a weak attempt to skirt the issue and not address what should have been made right in XXXX via refund. Further, the communication they claim they sent in XXXX does not do anything and should not mean anything considering the company was found liable in XXXX. Citi was cited for deceptive practice and supposed communication that can not be proved is not grounds worth standing on in light of the finding by the CFPB. A full refund should be issued immediately.
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| 04/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
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I have not received my CC yet, I have attempted to call CitiBank multiple times, their automated system hangs up without connecting me to a human. The web page online chat does not connect to a human before the system times out ( see attached conversation below ). The phone app performs just as well as the web online chat. Disconnects prior to connecting with a human.
I have a bill to pay. I can not register the card because I have not received the card. I can not pay the bill until it is registered. When I log into my CitiBank account that card is not there, but I am receiving e-mails telling me my payment is due.
I refuse to allow CitiBank 's screw up in not delivering my CC, thus preventing me from registering the card, and thus not being able to make payments to place a negative mark against my credit score.
You at XXXX, XXXX XXXX : CC did not arrive in mail Info at XXXX, XXXX XXXX : Please do not share sensitive account information, such as your security word or expiration date here. This session may be recorded or monitored.
Citi Bot at XXXX,XX/XX/XXXX: We are experiencing longer than normal wait times. You can leave your message here. Be as descriptive as possible, so that we can provide a complete answer when we are available to reply.
You can also Message Us in the Citi Mobile App. Just click X on the conversation window and send us a message in the app. You'll receive a notification on your mobile device as soon as an agent responds.
Info at XXXX, XXXX XXXX : Youre now being transferred to the next available representative.
Sorry, looks like our wait times are longer than usual. Someone will be with you shortly.
Info at XXXX,XX/XX/XXXX : You're now connected to XXXX.
XXXX at XXXX, XXXX XXXX : Absolutely, I'll be glad to help you. At Citi, your satisfaction is our top most priority. Allow me a moment let me pull up your account and take care of this for you today You cam request the new card using the below steps in case you face issue please let me know.
Please select Services tab at the top. Select " Credit Card Services '' Then select Replace Lost/Stolen Card. Then select the forth option " Request replacement card ''.
Conversation closed by the agent at XXXX, XXXX XXXX : Citi Bot at XXXX,XX/XX/XXXX : Before you go, please take our 3-question survey. Your feedback helps us serve you better.
1. Based on your experience with Live Chat, how likely are you to recommend Citi to a friend or colleague?
Choose a number from 0 ( not at all likely ) to 10 ( extremely likely ).
Citi Bot at XXXX, XX/XX/XXXX : The survey has expired. Thank you for your time.
You at XXXX, XXXX XXXX : card not arrived, account for new CC not showing on web page.
Info at XXXX, XXXX XXXX : Please do not share sensitive account information, such as your security word or expiration date here. We may send you a secure electronic form to collect this information. This session may be recorded or monitored.
Citi Bot at XXXX, XX/XX/XXXX: We are experiencing longer than normal wait times. You can leave your message here. Be as descriptive as possible, so that we can provide a complete answer when we are available to reply.
You can also Message Us in the Citi Mobile App. Just click X on the conversation window and send us a message in the app. You'll receive a notification on your mobile device as soon as an agent responds.
Info at XXXX, XXXX XXXX : Youre now being transferred to the next available representative.
Sorry, looks like our wait times are longer than usual. Someone will be with you shortly.
Info at XXXX, XXXX XXXX : You're now connected to XXXX.
Info at XXXX, XXXX XXXX : Sorry it's taking longer than expected to reply. A representative will respond shortly.
XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. Thank you for choosing Citi as your preferred bank. Please allow me a moment to review your message and help you You at XXXX,XX/XX/XXXX: Been trying since Monday to get ahold of this company. Zero text, zero call backs, zero emails. Getting very upset. Expect a call by end of business today Info at XXXX, XX/XX/XXXX: Sorry, looks like our wait times are longer than usual. Someone will be with you shortly.
Info at XXXX, XXXX XXXX : You are now connected to : XXXX XXXX at XXXX, XXXX XXXX : Good morning XXXX, I'd be more than happy to assisit. How can I help you today.
You at XXXX,XX/XX/XXXX : Are you still there. Can not wait 1.5hr for response Hour Info at XXXX,XX/XX/XXXX : Sorry, looks like our wait times are longer than usual. Someone will be with you shortly.
Info at XXXX, XXXX XXXX : You are now connected to : XXXX XXXX at XXXX, XXXX XXXX : Hi, Hope you are doing fine!
can you please give me a moment XXXX at XXXX, XXXX XXXX : Since you are not available to contact us at this time we are closing the chat and your chat history will be available for the next agent so that we can solve your queries, Thanks for the patience and extended support, WE are here to help you 24/7, You can also call at our phone support and we do have a call back feature where you can press 1 and we will call you, take care of your self and stay safe Conversation closed by the agent at XXXX, XXXX XXXX : Citi Bot at XXXX, XXXX XXXX : Before you go, please take our 3-question survey. Your feedback helps us serve you better.
1. Based on your recent experience with messaging, how likely are you to recommend Citi to a friend or colleague?
Choose a number from 0 ( not at all likely ) to 10 ( extremely likely ).
Citi Bot at XXXX,XX/XX/XXXX : The survey has expired. Thank you for your time.
You at XXXXXX/XX/XXXX : 0 Info at XXXX, XX/XX/XXXX : Hi! Nice to hear from you again!
Please do not share sensitive account information, such as your security word or expiration date. This session may be recorded or monitored.
A representative will be with you in a few minutes.
Sorry, looks like our wait times are longer than usual. Someone will be with you shortly.
Info at XXXX, XXXX XXXX : You are now connected to : XXXX XXXX at XXXX, XXXX XXXX : Hello XXXX! Hope you are doing well!
Apologies about the delay, we are having huge volume in chats and less man power to support and help you during this current situation.
XXXX at XXXX, XX/XX/XXXX : Upon checking your account ending in XXXX, I found that there are no new cards issued as of now, May I know the reason your new card request for the account ending in XXXX?
I'm sorry abou tthe lack of communication, I will take your responses as feedback and raise a complaint from my end on your behalf, XXXX XXXX at XXXX, XXXX XXXX : give me a human Info at XXXX, XXXX XXXX : Please do not share sensitive account information, such as your security word or expiration date here. We may send you a secure electronic form to collect this information. This session may be recorded or monitored.
A representative will be with you in a few minutes.
Sorry, looks like our wait times are longer than usual. Someone will be with you shortly.
You at XXXX, XXXX XXXX : human human human now You at XXXX, XXXX XXXX : your XXXX program refuses to deliver my copy/paste from your e-mail about the bill i can not pay because your company refuses to answer phones or chat requests do the job you are paid to do your chat system is horrid Your statement is available online - make or schedule your payment now Inbox x Citi XXXX XXXX Cardmember since 2020 Account ending in XXXX View your monthly statement now Hi, XXXX. Your Citi Diamond Preferred Mastercard statement is on its way. If you'd like to have a look before it arrives in the mail in 7-10 days, register for Citi Online so you can view it immediately. Once you're registered, you can schedule your payment or enroll in AutoPay right away.
Statement Summary Statement Date : XX/XX/2020 Statement Balance : {$4000.00} Minimum Payment Due : {$61.00} Payment Due Date : Saturday, XX/XX/2020 Available Credit : {$1700.00} Register Now View Statement human now You at XXXX, XXXX XXXX : looks like i have no choice but to contact state attorney offices in South Dakota and Florida as CitiBank seems bent on refusing to contact customers in a reasonable amount of time.
Info at XXXX, XXXX XXXX : You're now connected to XXXX.
XXXX at XXXX, XX/XX/XXXX : Hello XXXX! We extend our sincerest apologies for the delayed response. We thank you for your ongoing patience and I hope you are safe and doing well.
Thank you for messaging us, understand you are unable to interact with us currently. Your conversation will be saved for you and our team, so we can pick up where we left off with you. We are available 24/7 at your service. Thank you for being the best part of Citi!
Conversation closed by the agent at XXXX,XX/XX/XXXX : Citi Bot at XXXX, XX/XX/XXXX : Before you go, please take our 3-question survey. Your feedback helps us serve you better.
1. Based on your experience with Live Chat, how likely are you to recommend Citi to a friend or colleague?
Choose a number from XXXX ( not at all likely ) to 10 ( extremely likely ).
Citi Bot at XXXX,XX/XX/XXXX : The survey has expired. Thank you for your time.
You at XXXX, XXXX XXXX : a human in under 10min, or you can XXXX out all balances on all cards for failing to do your job. Im done with your worthless communication skills as a company Info at XXXX, XX/XX/XXXX : Please do not share sensitive account information, such as your security word or expiration date here. We may send you a secure electronic form to collect this information. This session may be recorded or monitored.
A representative will be with you in a few minutes.
Sorry, looks like our wait times are longer than usual. Someone will be with you shortly.
You at XXXX, XX/XX/XXXX : 6 min left 4 min left 2 min left You at XXXX, XXXX XXXX : thats been 10 min. typical of Citi to provide zero support for this major issue. As a result you can now count the debt for the new CC as zero and eat it. I am done with you.
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| 02/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Core Issue : Merchant processes refund, provides documentation, but we never receive credit to our account. Citibank states that they can not locate the refund and will not reach out to the merchant or merchant 's bank. Due to the original date of the transaction, the cases keep getting closed even though the representatives will state that this is non-standard issue due the charge being for services to be used at future date that never occurred due to the pandemic. Further this is a refund that took place in XXXX XXXX and was never credited.
Citibank is opening this case for the 6th or 7th time, but a representative from CFPB suggested filing the complaint to exhaust all avenues.
Below is a timeline to add more context and understanding to this refund that we have not received.
Original Charge : {$3700.00} ( this is the amount of the refund that the hotel made on XXXX XXXX, XXXX but we have never received ) 1. XX/XX/XXXX, XXXX Confirmed booking of 11 night all inclusive vacation at XXXX XXXXXXXX XXXX @ XXXX XXXX in the XXXX XXXX for XX/XX/XXXX through XX/XX/XXXX.
2. XXXX XXXX Pandemic had begun and we were told by XXXX customer service to contact XXXX XXXX XXXX XXXX XXXX Regional Online Sales Manager for the XXXX XXXX XXXX We emailed her to find out what our options were.
3. XX/XX/XXXX, XXXX XXXX offered us a stay certificate to travel in XX/XX/XXXX. We expressed concern that there were so many unknowns with the pandemic.
4. XX/XX/XXXX, XXXX XXXX offered us a certificate to travel in XXXX.
5.. XX/XX/XXXX, XXXX Reservation put on hold.
6. XXXX, XXXX- XXXX went through a rebranding and was renamed XXXX XXXX XXXX as of XX/XX/XXXX, XXXXThe hotel remained under the XXXX brand.
Between XX/XX/XXXX and XX/XX/XXXX, there is a significant amount of discourse between us and the property trying to confirm we would receive all of the elements included in our original booking. In addition, we were given conflicting dates of when our travel voucher would expire.
7. XX/XX/XXXX, XXXX XXXX XXXX confirmed that it was approved and we were going to be refunded. ( email sent dispute department previously ) 8. XX/XX/XXXX, XXXX Original refund fails because the expiration date of the credit card on file at the property was old.
9. XX/XX/XXXX, XXXX We sent them the new expiration date and the refund proceeded.
10. XX/XX/XXXX, XXXX XXXX XXXX confirms that the refund has been completed and sends us a screenshot of the refund ; however, nothing shows on our account and on numerous calls to Costco Visa , the agents confirm they do not see the refund either.
11. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Regional Online Sales Manager ( XXXX 's counterpart ), financial team said " You must request from the issuing entity of your card an extract of the movements since XXXX XXXX, XXXX. With this information, you will see that the amount has been transferred to your credit card. '' We looked at our statement and confirmed the refund was not there. We also called and spoke with a Costco Visa agent who confirmed the refund was not there.
12XX/XX/XXXXXXXX XXXX XXXX tells us that her finance colleagues indicate that the refund is complete in their records.
13. XXXX XXXX XXXX XXXX XXXX us a receipt for the refund. ( this was included in the previous email to Citibank 's dispute department ).
14. XX/XX/XXXX, XXXX We sent to XXXX an email with multiple screenshots of the receipts and communications.
15. XX/XX/XXXX, XXXX We receive a message through citibank portal that our case has been closed due to time since transaction.
16. XX/XX/XXXX, XXXX XXXX XXXX called Citi dispute department and spoke with XXXX who stated that the dispute was closed in error and he was re-opening it. He then told us to send this timeline so that it would be clear that the time frame is not applicable. XXXX also submitted another request for an audit of our accounts that XXXX from Citi had previously requested.
17. XXXX XXXX The billing dispute was closed again due to timing and then XXXX from the dispute department escalated to the executive response unit. On many occasions, Citi representatives have reassured that the timing wasn't applicable as we purchased services to used at a future date due to the pandemic and that date never came.
18. XX/XX/XXXX, XXXX XXXX XXXX took the case and ultimately closed it due to timing on Friday XX/XX/XXXX. Before it was closed, she stated that she would initiate an audit but we never received confirmation that this happened. We provided her with the transaction ID but she still closed the case and never referenced it.
19. XX/XX/XXXX, XXXX A representative from Visa followed up with us and recommended reaching out to a supervisor in the dispute/refund area at Citibank and provide the information. They suggested it would be helpful to advise Citi that the refund was issued to my old card ( which we already have multiple times ). He said Citi can search for the transaction in question and if Citi needs assistance with the refund process, Citi can also contact their Visa Account Manager for guidance. Visa should be able to track the refund with the ID that the vendor provided : From Vendor : Below the transaction identification number that our Bank has given us, so that your bank can verify the reimbursement. Our bank has reconfirmed us once again the refund transaction had been done with no inconveniences.
Identification number : XXXX XXXX. XX/XX/XXXX, XXXX XXXX from Citi XXXX previous escalation manager now in customer care, responded to our facebook inquiry and requested we re-submit the information as the prior submissions expired after 30 days. She was going to re-open the case and forward to the backend investigator to contact us directly.
21. XXXX XXXX - re-emailed timeline, receipts, etc to citidisputes 22. XX/XX/XXXX- XXXX ( citibank visa executive response unit analyst ) said that she would reach out and see if she can help find the transaction with the ID # that we provided.
She would reach out to the audit dept and see if they searched the charge amount and date, coming from XXXX XXXX XXXX. She had us send Ms. XXXX and Ms. XXXX 's emails to her.
23. XX/XX/XXXX - We were able to obtain the refund receipt that includes the last 4 digits of out old card number, date of refund and amount from Ms. XXXX. We sent it to XXXXexec response unit.
24. XX/XX/XXXX- XXXX from billing disputes called and let us know that since XXXX is working with us, they will let her handle our case.
25. XX/XX/XXXX- XXXX called and told us that they were still unable to find the refund and would be closing our case again. She said there is not a visa rep that she can speak with and she did not email the hotel managers ( XXXX and XXXX ). She suggests that I try to get XXXX to recall the refund and submit payment to us direclty ( I don't believe this is possible ). She also suggested that I contact Visa to get more information and see if there is anything that they could do to help locate the refund. She agreed that I could call her back if I find out more information.
26. XX/XX/XXXX - called Visa and spoke to XXXX ( supervisor ). She informed me that Visa provides the platform/ network, the banks own and have access to the accounts. She does not. She informed me that " every bank has a Visa representative on their end '' and that " citibank should contact the merchant and their visa representative, as this is what they would normally do. '' She went on to say that she was not sure if they're not, since it's been 2 years, but they should, as this was a special circumstance with the pandemic. '' She said the citibank rep should research who their visa rep is within the company and reach out to that person, as well as to the merchant. She suggested that I request XXXX 's supervisor, if XXXX does not do this. She also suggested that I go into one of the Citibank branches.
I also reached back out to Visa 's XXXX account and was informed by " XXXX '' that XXXX should be able to reach out internally or to her manager to figure out who their Visa account manager is. He offered to escalate my case to find out the contact person in relation to citibank. He asked for the first 6 digits of my card and phone number to do so. I provided them.
27. XX/XX/XXXX- Left a voicemail for XXXX, asking that she call me back, as I have additional information from Visa.
28. XX/XX/XXXX, XXXX Called and spoke with XXXX to discuss the feedback from Visa. We were informed that she sends off the information to their payment investigator who may have spoken with Visa. With regards to the merchant, Citi would be considered a 3rd party and would not be able to discuss our details with the merchant. XXXX stated she is going to resubmit the information and see if the payment investigator can confirm whether the transaction ID provided to us by the merchant via the merchants bank, is valid.
Attached are screenshots of emails that should help in understanding the timeline. I can provide all of the emails in their original format but please understand that we have over 50 emails going back and forth and it can be a daunting task going through them.
The attached documents show : 1. that they were giving us a refund as of XX/XX/XXXX.
2. The first attempt fails as of XX/XX/XXXX due to expiration date.
3. The refund continues after we provide a new expiration date as of XX/XX/XXXX.
4. XXXX states that the refund is complete as of XX/XX/XXXX.
5. They provide us with a copy of the refund receipt on XX/XX/XXXX.
6. The bank receipt of the transaction 7. XXXX XXXXXXXX XXXX XXXX document showing the last 4 digits of the card number, transaction amount and date In between all these dates, we have calls with Costco, are told by XXXX to view our transactions as the refund should be there, Costo Visa doesn't see the refund, we send XXXX a copy of our statement showing no refund etc.
|
| 05/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I purchased an XXXX XXXX XXXX XXXX {$230.00} and an XXXX XXXX XXXX XXXX XXXX {$130.00} using the marketplace XXXX from the seller called " XXXX XXXX '' using my Citibank credit card The order ID is XXXX and the total dollar amount charged was {$390.00}.
Both items I received were defectiveroken and were returned properly to the seller and confirmed received and I was never refunded my full money upon clearly listed in the return policy. XXXX refuses to be in contact with me and Citibank refuses to handle the dispute process and Master card simply refers me back to Citibank who refuses to do anything.
On XXXX XXXX XXXX I received both items in a small air filled package ( securely packaged and not damaged XXXX I first attempted to use the XXXX XXXX XXXX XXXX but it would not work after being powered on and appeared to be defective. I reached out to the seller via the only contact method of messaging via the market place XXXX
Hello, I just received the items today and I can't get the dock to work. When I plugged it in my phone said it needed to update the firmware of the dock and then after it said the update was done. The screen just stays black no matter what I do. My phone sees its plugged into the dock but the screen doesn't turn on. Has anyone reported a similar problem? Do you know how to get working?
They did not respond so I contacted the manufacturer as the items were under warranty. After troubleshooting with XXXX they told me that due to the fact it was just purchased I would need to return it where it was purchased as it was DOA XXXX dead on arrival XXXX
On XX/XX/XXXX I again reached out to the seller via the only method of XXXX Messages I contacted XXXX and they said the unit appears to be defective. They said it should just turn on. Is there a way to get a replacement in a timely manor? Please advise The seller once again did not respond.
On XX/XX/XXXX I started as EZ free return via XXXX which is their only method of returning the defective item. The description I gave was This is defective. The screen doesn't turn on but my phone sees the dock connected. I contacted the manufacturer XXXX XXXX XXXX XXXX and they said since it's under 1 month old to return it where I got it. The item was sealed in plastic and looks to be never used so I guess it's a problem from the factory. I was then provided a single pre-paid XXXX shipping label with a tracking number of XXXX I then tested the XXXX XXXX XXXX XXXX Gamepad and also found out it was defective XXXX confirmed with XXXX the manufacturer ). I then applied for an EZ Free Return and provided the reason Item appeared to work but everytime I use it after the first time it keeps randomly rebooting and disconnected XXXX when physically plugged in ) I contacted XXXX and unfortunately they told me the same thing as the dock as it's under 1 month old to return where I got and repurchase.
When I attempted to get a shipping label it said that the second item needed to be returned with the first as only XXXX shipping label is provided per order.
I then packaged up both items and delivered them to my local XXXX branch on XX/XX/XXXX. I had problems getting them to accept it as the package was XXXX pounds overweight and did not qualify for the shipping method that was provided by XXXX. They ended up accepting it after I begged.
On XX/XX/XXXX the item was delivered to the return area at XXXX XXXX, NJ XXXX On XX/XX/XXXX I was refunded {$240.00} which is only 1 items price not both that were returned.
I continued to wait until the XXXX I received a message from the seller hello, sorry for waitting that long.
Could you write down your ORDER NUMBER as the title and send a video to this email address : XXXX, so that we can help you specify the problems.
no, here 's the first case came out with the dock but we'll work on it, let 's solve the problem together!
Anything else, please feel free to ask me~ I will reply to you as soon as possible~ I then responded on the XXXX with You already received both items on the order on XXXX. Please give me my refund. But did not get a response.
On XX/XX/XXXX I then requested my refund again Hello. You received the items. Please issue my refund for the defective goods I received these responses on XX/XX/XXXX hi, we're checking, please hold on Did you apply for a free return when purchasing? Is the address you returned the local warehouse address? Can you confirm it? By the way, please send me your return address. As for your refund, the platform will return it on the original road within XXXX days. Thank you for your support I responded on XX/XX/XXXX Yes I returned it using the label provided. Both items were returned in the same package with the tracking info applied. You only gave me refund for 1 item, not the other as I can already see the credit on my credit card. The controller was not refunded I then received the last response I would ever get from the seller on XXXX XXXXplease ask XXXX we can not control the free return so sorry for that The seller then blocked me from sending more messages as all messages I sent to them after are still currently marked as Unread as of now XX/XX/XXXX I have attempted to contact Aliexpress several times, and the only way I could get in contact was via a appeal process and trying to get an agent via live chat ( they have blocked me from using livechat and I can not get past the auto-response computer ).
On XX/XX/XXXX I entered an Appeal to the dispute asking the full refund be issued but received a response on XX/XX/XXXX stating From : XXXX Customer Service [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX PM To : XXXX Subject : XXXX XXXX Thank you for your consultation. Your current Service No. is : # CaseNoXXXX # Dear Sir/Madam, Thank you for contacting XXXX.
For order XXXX, we are sorry but your appeal has not been accepted since we found that there is suborder still in dispute.
Note : Please do not reply to this email/message due to reply can not be received in this mailbox. If you have any further question, please visit our Help Center at XXXX : XXXX? XXXX & XXXX & XXXX Respectfully, XXXX Customer Service Team www.aliexpress.com On XX/XX/XXXX I was able to XXXX XXXX XXXX XXXX from XXXX named XXXX via live chat. I stated that I returned both items but only received a refund for XXXX. They reassured me that it was in refunding process When I asked to confirm the amount getting refunded they said the remaining balance was in process. XXXX I have attached screenshots of the conversation with the agent. XXXX Since XX/XX/XXXX I have not been able to contact the seller, or the market place XXXX XXXX XXXX On XX/XX/XXXX I entered a dispute on Citibanks website stating the information above.
I received an email on XX/XX/XXXX saying the dispute was received.
Every few weeks I would need to call into Citibank to check the status of the dispute as they have not ONCE even sent me a letter in the mail or called me to ask for more information or review the status.
On XX/XX/XXXX they received a letter from the seller XXXX store which stated We are an XXXX seller with lots of positive feedbacks and also stated a bunch of bogus and conflicting information such as stating I never received the package on page XXXX, then on page XXXX showing shipping information that I received it XXXX which has nothing to do with the dispute ). They also lied on page XXXX stating I never got in touch with them about the problem with the order. Also on page XXXX then said that I did not claim a dispute XXXX return ) which is also a lie. On page 5 they even attached a picture of the dispute on XXXX which showed why I requested the return AND showing them receiving the items back from me.
Citibank then closed the dispute on XX/XX/XXXX I called in on XX/XX/XXXX for an update as it was a month with an update given to me. I was told that there was a letter from the seller and the dispute was already closed. They said I needed to give my response and more information if I wanted Citibank to look at the dispute. I then emailed them the requested information as they said I was not allowed to ever talk to the dispute department at Citibank. On XX/XX/XXXX I sent an email which included several PDFs and jpg files showing my response to the seller, return information, dispute information, tracking information, and all communications with XXXX and the seller to Citibank via the information provided by the customer assistance agent.
Once again I never received a response form Citibank.
I contacted Citibank again several times between XX/XX/XXXX and XX/XX/XXXX On XX/XX/XXXX I contacted Mastercard directly and they said the dispute process needs to be handled by Citibank directly. They then connected me to Citibank who said the dispute was closed again as I did not submit information they could use. They claimed my email second on XX/XX/XXXX had unsupported items as pictures are never accepted. I was then told I needed to convert my .jpg files to .pdf and then re-email everything. I then forwarded the last email and added 3 different PDF documents containing everything in the dispute such as tracking information, refund information, communications with seller and the market place agent confirming I should be refunded. They explicitly said I would be called if any other information could possibly be needed Unsurprisingly I was never contacted by Citibank. I just happened to see that the dispute was updated and closed on XX/XX/XXXX. They stated that I was issued XXXX refunds, XXXX for {$240.00} on XX/XX/XXXX ( this is correct ) and {$24.00} on XX/XX/XXXX.
In fact the refund on XX/XX/XXXX was for a completely different order XXXX XXXX ) placed on XX/XX/XXXX, from a different seller ( XXXX XXXX XXXX XXXX ), for a different item XXXX cables for computer ) and reason XXXX did not fit properly ).
|
| 04/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
When I tried to use my credit card back in XXXX XXXX I was notified by the merchant that my account was closed and they advised me to follow up with the bank. I called that evening and was notified by the representative that my account was closed by the bank and that they sent me out a letter explaining why as she could not view what the reason was. On XX/XX/2018 I contacted customer service multiple times to follow up on the reason why and each time I was unable to receive an answer however was advised to send a written statement requesting to reopen my account. On XXXX XXXX I sent the following message : From : XXXX Subject : Credit Account Closed By Bank Date : XX/XX/2018 XXXX XXXX Hi I contacted customer service multiple times yesterday to understand why my account has been closed. I was transferred numerous times and was just told that they sent me a letter due to confidentiality so the representatives were unable to see the reason. However, the last person I spoke to stated that I would be able to view the letter online on my account but I cant seem to find it and would like to know how I can review this information as soon as possible and not have to wait for that letter so that I can do what is necessary.
They responded : Dear Valued Customer : Thank you for writing to us about your account today.
To access the letter we sent, navigate to Services in the navigation bar then Statements & Documents. You will see the link for View E-Communications. Please note that documents will automatically be removed after 12 months, so you may want to save them to your computer.
There is currently no way to manually remove documents from the E-Communications page.
As always, we value you as our customer, and we appreciate your business.
Thank you for using our website.
I followed the instructions and was unable to see the letter. However it wasnt until XX/XX/XXXX or XXXX, XXXX that I finally received the letter stating the bank closed my account.
I called later that day multiple times to inquire as to how I can reopen my account. Each rep that I spoke to attempted to reopen it however, were unsuccessful and advised me to send a written statement to the Executive Response Unit. I sent the following letter via mail : XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/2018 Executive Response Unit Citibank , N.A .
XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern : This letter is regarding my account number ending in XXXX and the two letters that I received in the mail today from the Security Operations Team that were both dated XX/XX/2018. The first stating that there were disputed charges which were not related to a lost, stolen, or counterfeit credit card. After investigating these disputed charges with the information provided, it was determined that I am responsible for these charges. Then the second reiterated the first and declared that effective XX/XX/2018 Citibank has closed the above referenced credit card account. This action was taken because of a security investigation involving the account and that additional transactions will not be authorized. I am reaching out to the Executive Response Unit because I believe there was a mistake that was made regarding the fraudulent transactions. It was never intended for those charges to be labeled fraudulent as they were not only valid, but also authorized as I personally made these charges. Also, when I checked the Credit Bureau Report it states that my account was closed due to dispute resolved ; customer disagrees, when I havent spoken nor received any correspondences until now. When I called XXXX customer service I spoke with XXXX and he expressed that he believes this was all a misunderstanding and advised me to write a letter as well as reassured me, he notated his beliefs and comments as well.
I am formally requesting to see if my account is eligible to be reinstated and opened. Initially, I was disappointed to hear of my account being closed considering Ive never missed or made a late payment. Recently, Ive gotten injured at work and thus feel that the features and benefits of this card would be immensely useful to me. This cards benefits surpasses other competitors by providing the simplicity of being able to use the XXXX XXXX XXXX XXXX as a XXXX membership ID ( only need to carry one card ), no additional hidden fees on purchases, and no annual fees. The cash back rewards benefit based off eligible purchases alone is why I chose this card over others. Convenience and peace of mind is really it.
Therefore, my humble request to reopen my account is simply so that I can enjoy the cards wonderful benefits while also continuing to prove my value to you as a customer. I am hoping this letter finds its way to someone who can help me get my account reconsidered. Thank you in advance and please know that I sincerely appreciate your time and any help you can provide. Should you have any further questions I can be reached at ( XXXX ) XXXX or via email at XXXX Sincerely, XXXX XXXX As of today I still have not received a response and attempted to follow up on the status of my letter and called customer service who insisted they arent sure of what to do or what the process is. So on XXXX XXXX I messaged Citi once again via secure message center the following : Hi, I sent a letter requesting the bank to reopen my account and I havent heard back from them so I just wanted to follow up on the matter. I know that there is no direct phone number to contact but I was wondering if there is any additional information in regards to the process. For instance, once Ive sent the letter requesting my account to be reopened how long can I expect to receive a response?
They responded : From : XXXX Subject : Re : Account Closed by Bank Date : XX/XX/2018 XXXX XXXX Dear XXXX, Thank you for your inquiry.
We received your request to reopen your reopen account request.
Unfortunately, we are unable to handle your request through the Secured Message Center. Please call our Customer Care Center. XXXX.
If you are outside the United States, XXXX, and Puerto Rico, you may call us collect at XXXX. Our telecommunication number for our hearing impaired customers is XXXX.
We realize that as a consumer you have many choices, so we thank you for choosing us.
Regards, XXXX Account Specialist 3 Tennessee So today XX/XX/2018 I reached out to the customer service number they provided me with. Unfortunately to no availability, she was unable to assist me and so I sent the following message to Citi once again via their secure message stating : From : XXXX Subject : Bank closed XXXX Credit Card Acct .
Date : XX/XX/2018 XXXX XXXX Per your previous message, I called and contacted customer service and unfortunately the rep that I had spoke to was unable to provide me a definitive answer. She was unsure and couldnt even provide me with information regarding to whom I needed to contact or speak with. After trying to reopen my account herself she needed to reach out to the Fraud department who informed her that the account couldnt be reopened and there was no supervisor who could do so. I stated that I understood what she was saying because the previous reps whom I spoken to attempted to do so and then reiterated that they advised me to send a written statement requesting my account to be reopened. Also I inquired as to whether or not the response she received from the Fraud department was current and from the Executive Response Unit but she responded that there were no notes so she was unsure. As per my previous conversations with reps, I had sent my written statement request to : Executive Response Unit XXXX XXXX XXXX XXXX XXXX, South Dakota XXXX With that said, all Im simply attempting to do is follow up on the process that I was advised to do. Once Ive sent the letter, since I havent received a response Im trying to find out who I can directly contact since previous reps stated that department doesnt have a number to contact and reiterated the only option which was the written request. At this point, it is extremely frustrating because the only response I receive is either to keep getting transferred between departments or speak to someone who has no clue as to what I am talking about. They do try to help, but since they are unable to fulfill the task Im asking they just state that they can refer me back to the department where I can reapply. I really dont want to have to reapply because this account has everything for me and since things have changed over time I know I wont receive the same credit limit or benefits that I had originally. Thus, I understand that the representatives are unable to reopen my account, hence the reason for my letter to the Executive Response Unit whom has the authority to reopen it. Please help provide me this information or direct me to someone who can. If you are unable to, is there anyway that you can reach out to the Executive Response Unit and follow up with them. Once again, Im humbly attempting to get my XXXX Credit Card account reopened so that I can continue to receive the benefits. Ive been a loyal customer whose never missed a payment in my two years with Citi.
Ive reached out numerous times to show how dedicated and loyal of a customer I am to the bank. However, no one is able to provide me information or in the right direction of who I can contact. They keep giving me the run around and its overly frustrating by this point. I just want to reopen my XXXX Credit Card account so that I can continue reaping the benefits that I enjoy especially since I am still continuing to make monthly payments. I really dont want to have to reopen another account either as the rep I most recently spoke to insisted on because circumstances changed and I wont receive the same credit limit nor the same benefits that I originally had and enjoy.
|
| 11/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Due to several years of total or partial unemployment caused by the failure of two of the companies I was working with at the time, I approached my mortgage lender, CitiMortgage, for a modification in order to lower the monthly payments. They granted a modification in XX/XX/XXXX, and sent me three acceptance forms, two to be returned to the mortgage company.
I returned the acceptance, including authorization of a payment arrangement with my bank that would cover the new mortgage amount of $XXXX monthly.
The agreement called for three trial payments to be made for the modification to take permanent effect. These were made over the next three months, and I made payments in the following two months on time. Then I received a delinquent notice from the bank indicating that none of the five payments had moved the due date forward and that the payment had gone to interest only. The payment on the late notice was in excess of $XXXX, indicating that the terms of the modification were not being observed.
I immediately contacted the woman that had been my contact person for the modification at CitiMortgage. She was uncertain why this was so and promised to look into. A few days later she reported that the modification had not bee implemented and advised me to reapply. I went through the entire application once again, submitting income verification, bank statements, profit and lost statements for my outside activities, IRS XXXX requests, tax returns and hardship letters. This process always requires several months of submitting documents and receiving requests for more information and further documentation.
Finally my contact reported that everything was complete and I should hear back soon. At this point, it seemed I had entered a rabbit hold of bizarre events. I received via U.S. mail the following documents from CitiMortgage:
XX/XX/XXXX: Notification that my application for mortgage assistance was complete, including the bank auto-pay agreement.
XX/XX/XXXX: The following email exchange between me and the modification contact person with CitiBank:
XXXX, XXXX
XX/XX/XXXX
to me, Homeowner
Dear XXXX XXXX,
I hope this email finds you well. I am reaching out to you for our weekly follow up. I have not heard from you. The modification documents have been resent to you because there was a change in a delinquent interest (in your favor). The XXXX tracking number is XXXX. Once received, please sign, date, and return as soon as possible. I thank you in advance.
Please let me know if you have any questions. Thank you for being a valued client of Citi Mortgage.
Remember, during any point of your treatment review you can reach me at XXXX, EXT. XXXX, Monday XXXX XXXX. XXXX XXXX. (CST), Tuesday - Friday XXXX XXXX. XXXX XXXX. (CST) or email me at XXXX I look forward to working with you.
Sincerely,
XXXX XXXX
Homeowner Support Specialist
XXXX, Extension XXXX (use leading zero).
XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
My reply of the same day:
XXXX XXXX
XX/XX/XXXX
to XXXX XXXX XXXX,
Your email today causes me some concern. I have now returned two separate packets of materials to CitiMortgage. The most recent one went out on XX/XX/XXXX. I have the XXXX receipt here to verify that. The tracking number printed on this receipt is XXXX. Did you not receive it?
If this is yet a third packet, I will take care of it as soon as it is received and return it to you. My concern stems from a conversation you and I had on the phone a couple of weeks ago, in which you stated you had not received this second packet. Therefore, if we are talking about a third packet here, I will not worry about it until it arrives, then, as I said, I will return it to you immediately.
Thanks,
XX/XX/XXXX - Email received from CitiMortgage containing the following message: Dear XXXX XXXX XXXX,
With the recent change of your mortgage account status, your mortgage account information is once again available online.
For your convenience, we have reactivated your subscription to CitiMortgage email notifications.
Account Number XXXX
NOTE: While undergoing the modification application procedure, I had been unable to access my complete account information online - this restored that access.
From this point on my communication with the modification contact person was by telephone. This is how she notified me that the modification was not implemented and advised me to reapply. This was in XXXX, when I had called about delinquent notice and the fact that my mortgage account online failed to reflect the changes.
The next mailings I received via the Postal Service came on XX/XX/XXXX, announcing that my application for mortgage assistance was complete.
XX/XX/XXXX: An email notification from CitiMortgage confirmed the XX/XX/XXXX letter.
Sometime within the next few weeks I received the oral report from the mortgage motification contact person that the application had been denied. The reasons seemed vague to me, and she invited me to send in an appeal, which I did.
XX/XX/XXXX: Letter received advising me that my request had been received and escalated, with a resolution expected within 15 days. This letter also gave the name of an assigned escalation specialist, XXXX XXXX, with contact information.
XX/XX/XXXX: Letter received from XXXX XXXX inviting me to contact her and describing the escalation process.
XX/XX/XXXX: Form letter received announcing that CitiMortgage had received my request for mortgage assistance, including a list of documents to submit, including paycheck stubs, bank statements, hardship affidavity, IRS Form XXXX, etc. I had received this at least three times previously at the beginning in during each of the previous applications, dating back to late XX/XX/XXXX. However, in this, it contained the contact information for XXXX XXXX, who had first entered the process on XX/XX/XXXX.
XX/XX/XXXX: Letter received from XXXX XXXX informing me that they had completed a review of my case and there would be no change in my status - i.e., modification denied.
I again reached out to CitiMortgage to gain understanding of the reason for the denial. Eventually I had a conversation with a woman who revealed that back in XX/XX/XXXX, the first set of acceptance documents pertained to an arrangement with an error in a delinquency date and that new documents were needed but not received. At the time I did not remember the full circumstances, but the email message printed above dated XX/XX/XXXX indicates that I had informed XXXX XXXX that I was sure I had sent both acceptances back. I never heard anything back from her to counter that and and therefore complied with the terms of the modification by making the next five payments.
XX/XX/XXXX: Letter received informing me that XXXX XXXX was now my Homeowner Support Specialist throughout the review process. This letter is verbatim the same as what I received from XXXX XXXX on XX/XX/XXXX, as described above.
XX/XX/XXXX: Form letter received, sent by XXXX XXXX, that I had been conditionally approved for a short sale. I had previously made clear that a short sale was not an option. This home is the only home my son has ever known, his mother is very much attached to it, and we have expended great effort into rehabbing both the house and the landscaping. We want to preserve it as our home for the long term.
XX/XX/XXXX: Letter received from XXXX XXXX, informing that my application for mortgage assistance is now complete as of XX/XX/XXXX. It mentions a 30-day completion time to review the application and mentions and mentions that no foreclosure sale would be scheduled within this time frame.
XX/XX/XXXX: Letter received via overnight delivery, stating that "your mortgage terms will remain unchanged. After a comprehensive review of the information you submitted regarding your NPV inputs, we are unable to approve your mortgage assistance request because you have received the maximum number of modification under this program."
The letter also contained information on this web site.
***********
To recap this whole event, a modification was granted in XX/XX/XXXX. I returned the acceptance and complied with the trial payment requirements. I fulfilled my responsibility under the terms of assistance program. Somehow the plan was not implemented, despite the multiple verification letters described above. I was not informed that it had not been implemented in a timely fashion and was advised only to reapply, which I did. However, the reapplication did no good.
I honestly feel that I was given an enormous run-around by a company that was not operating in good faith. I understand that the ultimate decision rests with a private investor that actually owns the mortgage with CitiMortgage as servicer, but CitiMortgage failed to communicate with me in a meaningful and timely way, seems to have misplaced documentation, and continued to act as though everything was OK or at least resolvable up until telling me it was too late and nothing could be done.
The essential point is that I sincerely want to keep the property. The fact that this whole process dragged on for over a year means that the delinquency on the property makes it impossible for me to refinance it. On the other hand, had I continued to make the monthly payments following the trial period, they would not have counted as payments and would have been interest only. At this point, the only way I can bring it current would be to pay $XXXX in interest, $XXXX in escrow costs and $XXXX in fees, for a total of $XXXX. I do not have this - the period of unemployment and underemployment depleted my cash reserves as well as a 401-K. Despite being of age for Social Security, I am still compelled to keep working. I am making enough to make mortgage payments, but not to come up with $XXXX in lump sum.
|
| 09/05/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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Documentation for disputed charges of {$13000.00} for order XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was cancelled XX/XX/2019.
Mr. XXXX cancelled Lead XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by e-mail to XXXX the e-mail provided on the Home Depot 3 # -day ( business day ) cancellation form on Tuesday, XX/XX/2019, XXXX XXXX EDT. This is was with-in the 3- business day cancellation period. ( Copy attached ) The Home Depot paperwork was signed by Ms. xxxxx XX/XX/2019 ( Copy attached ) The cancellation e-mail was received by XXXX and receipt of cancellation was acknowledged by e-mail on Tuesday, XX/XX/2019, XXXX. XXXX XXXX XXXX was asked to remove its equipment from the residence asap.
XXXX was notified that Mr. XXXXX was cancelling the order because 1 ) XXXX had not delivered a properly functioning air conditioning system that would cool the entire residence as had been promised. 2 ) Additionally the installation was done under the false pre-tense that an permit had been legally attained by the city of XXXX ( as required by law and as stated in the Home Depot forms ) to perform the work. 3 ) That no engineer had been hired by XXXX to properly calculate the correct air-duct system and Air conditioning unit required to sufficiently cool the entire residence as had been promised in writing ( Home Depot forms ) and specifically charged for.
4 ) That XXXX rep XXXX. XXXX. verbally promised to Mr. XXXX to include an air-conditioning mini-split to cool the master bedroom and den included in the original total and told Mr. XXXX that the work was added to the XXXX work order. 5 ) After the first day of install XXXX rep XXXX. XXXX. refused to honor his promise to include the A/C min-split 6 ) That XXXX rep failed to leave Mr. XXXX a copy of the Home Depot forms or the XXXX work order ( stating that " they must have fallen out of the folder '' ) and that when Mr. XXXX made repeated request of XXXX sales rep to provide him copies of the paper work to verify the mini-split and agreement in general XXXX rep refused to provide a copy. 7 ) That XXXX rep XXXX XXXX. was aware that Mr. XXXX had not signed neither the Home Depot waiver or XXXX work order before installation began and was intentionally refusing to provide Mr. XXXX a copy of the documents, despite numerous requests by Mr. XXXX and other family members knowing that Mr. XXXX was not in agreement with and would cancel any agreement that would not include proper air-conditioning system for the entire residence. 8 ) XXXX intentionally rushed the installation ( before getting a permit ) over a weekend, and withheld the documents with the intent to prevent Mr. Xxx time to cancel. 9 ) the installation was under the falsehood of having been approved by the city and as been properly calculated by an engineer along with the verbal promises that if the customer was unsatisfied or that if the system failed city inspection then the system would be removed at XXXX cost and a full refund would be issued. 10 ) Mr. XXXX only was able to receive a copy of the Home depot paper work late Monday ( which where given to his wife, not him and where provided by the XXXX installers, not the XXXX sales rep who had repeatedly promised to come to the installation site to discuss the dis-agreements with Mr. XXXX but never returned. 11 ) When Mr. XXXX finally received a copy of the Home Depot he reviewed them and used them to cancel as required in the forms and with-in the tie allotted in the forms. 11 ) Mr. XXXX was only able to receive a copy of the XXXX work order by Tuesday only after repeated e-mail requests to XXXX. The copy provided shows that Mr. XXXX never signed the work order. 12 ) XXXX was informed by e-mail on several occasions that it must remove its equipment asap from the residence. XXXX was informed that its equipment was available for retrieval and was provide multiple e-mail addresses and cell phone numbers to coordinate retrieval. XXXX never responded to these e-mails. 13 ) XXXX was informed the air-conditioning unit was forming severe condensation and that the air-conditioning unit was never turning off. XXXX never responded to these e-mails.
On XX/XX/2019 Mr. XXXX called the HOME DEPOT CREDIT CARD SERVICES and informed them that the {$13000.00} charges where not authorized by him as the work had been illegally and in-properly done by XXXX, specifically that : 1 ) An engineer had designed an A/C system that would sufficiently cool the house. 2 ) The engineers plans would be submitted to the City of XXXX for approval 3 ) That a permit had been attained from the city of XXXX in order to be able to legally preform the work as is required by law by the city of XXXX. All these items where promised in writing in the Home Depot paperwork and XXXX work installation order but where never done. Mr. XXXX also informed the Home depot credit card customer service agent that the cancellation had been sent by e-mail and offered to provide the documentation of the cancellation e-mail and acknowledgement and copies of the contract and items that where not fulfilled. Mr. XXXX was told that none of that information was required at that time. Mr. XXXX also explained the circumstances with the verbal promises by the XXXX rep and the refusal to provide a copy of the contract to Mr. XXXX.
On XX/XX/XXXX Mr. XXXX received a letter from Home Depot Credit Services dated XX/XX/2019 informing him that a dispute had been opened for the {$13000.00} and that an investigation was being done. In the letter Mr. XXXX is not asked for any evidence or documentation. ( copy of letter attached ) No other correspondence or communication is received by Mr. XXXX regarding the investigation.
On or about XX/XX/XXXX Mr. XXXX calls the Home Depot credit card customer service to find out the status of the investigation as he has not heard back. Mr. XXXX is shocked to discover that the dispute has been closed. Mr. XXXX is told that the dispute was closed because XXXX informed them that Mr. XXXX had signed the Home Depot installation waiver. Mr. XXXX does not understand how HOME DEPOT CREDIT CARD services could close the dispute with-out requesting or allowing his documentation to be submitted first.
In-fact Mr. XXXX had never signed any documents with XXXX or Home Depot himself. Mr. XXXX explained that The Home Services Installation Customer Approval page states : Home repair contractors are prohibited by law from requesting or accepting a certificate of completion signed by the owner prior to the actual completion of the work to be performed under the Home Depot contract Yet the XXXX workers obtain a signature from Ms. xxxx, WHO DOES NOT SPEAK OR READ ENGLISH and takes XXXX XXXX, by telling her that they will not get paid if she does not sign the paperwork. The workers obtain the signature from Ms. xxxx while Mr. XXXX was not present. This is while XXXX XXXX. XXXX. sales rep had still never returned to provide Mr. XXXX with any paperwork after repeated requests and promises to do so. Additionally the paperwork itself Ms.xxxx was asked to sign indicates that plans were submitted and that a permit would have been attained from the city of XXXX, neither of which where done. She was asked to sign this paperwork by XXXX employees despite their knowledge that none of that work had been done.
In no way is the installation considered complete or acceptable by Mr. XXXX. The air conditioning system is not sufficient to cool a large portion of the house. The air condition system was not calculated by an engineer to ensure that it would properly cool the entire house. The work was done without a permit denying Mr. XXXX the confidence that the work was up to City of XXXX building code standards. It is also illegal and a code violation for the install to have been done without first obtaining the permits before even starting the work, much less complete it. This was all known by XXXX when they asked Ms. xxxx to sign the Home Depot forms. XXXX obtained those signatures under fraud. They were aware that they never obtained a permit and rushed an installation. The work itself is was never completed. The Air Conditioning system IS NOT FUNCTIONABLE. The air conditioning unit never turns off but continues running constantly. There is also visible buildup of significant condensation around the air ducts. XXXX was informed but did not respond to repeated e-mails.
Mr. XXXX is a XXXX years of age. Mr. XXXX believed that the involvement of Home Depot and its guarantees meant that work would be done legally ( city permit ), professionally and to standard and satisfaction. {$13000.00} is a very large amount of money for Mr. XXXX. Mr. XXXX has already endured and is continuing to endure an enormous amount of stress because of this. It is clear to Mr. XXXX that he has been taken advantage of by XXXX.
Mr. XXXX expectation is that HOME DEPOT CREDIT CARD SERVICES will abide by the 3 BUISNESS DAY CACELATION policy clearly stated in the HOME DEPOT paperwork. Acknowledge Mr. XXXX 's proper and immediate cancellation done on XX/XX/2019 as dictated in the HOME DEPOT forms.
The laws of the city of XXXX make it illegal for XXXX to preform an air-conditioning installation with-out first attaining a city permit approval. HOME DEPOT vendor XXXX WAS AWARE OF THE LEGAL REQUIREMENT to obtain a permit from the city of XXXX BEFORE beginning the installation and yet intentionally choose to perform the installation despite this. Because of such XXXX is solely responsible for any cost of loss of labor or equipment which are the result of its own actions. Additionally because of XXXX XXXX actions of intentionally circumventing the city 's permit process Mr. XXXX was denied his rights and protections that are afforded owners in XXXX via the permit process.
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| 05/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I received a late fee back in XX/XX/2020 on a past due balance of a few days. I paid the amount plus the interest charged but did not pay the late fee because I wanted the late fee waved. I requested the late fee to be waved in XXXX and again in XXXX but the automated services that Citibank forces you to use does not have authority to reverse this late charge. They provided with a phone number to call, which I did but that number is also automated and when you get to speak to a live person they apologize for the issue and try to forward me to somebody who can help reverse the charge. When they forward me, it goes to the automated attendant again and when I finally get to another live person the phone disconnects. This happened at least twice over the last few months.
I ended up cancelling my credit card with them but now my open balance is over {$90.00} from additional late fees and interest on the open late fee from XXXX. I have been called every day for the last two months by the Citibank automated collection agency phone number XXXX XXXX XXXX XXXX. After a few days, I blocked that number but it continues to call daily including Sundays.
Below is a transcript of the online conversations that I had with the Citibank online messaging service. I do not know what else to do but it is clear that Citibank will not help me on their own without some type of other agency that pushes them to speak to me live.
You at XXXX, XX/XX/XXXX : Please remove the late fee on my account Read Info at XXXX, XX/XX/XXXX : Please do not share sensitive account information here, such as your security word or expiration date. This session may be recorded or monitored.
Info at XXXX, XX/XX/XXXX : You are now connected to Citi Bot.
Citi Bot at XXXX, XX/XX/XXXX : OK, a representative will be with you shortly.
Info at XXXX, XX/XX/XXXX : You are now being transferred to the next available representative.
Info at XXXX, XX/XX/XXXX : You are now connected to : XXXX XXXX at XXXX, XX/XX/XXXX : Hi, welcome to Citi Mobile Messaging! Please be advised that Mobile Messaging is not a real time assistance & responses may vary since we are assisting multiple chats at the same time.. I will be responding you within 5-7 minutes and responses will also take that much time.
If you wish to continue, please be patient! If you need instant response kindly log on to the desktop or mobile via www.citicards.com and initiate a chat from there via Browser Messaging!
You at XXXX, XX/XX/XXXX : Okay Read XXXX at XXXX, XX/XX/XXXX : " Since you have been an valued card member, I tried to remove the late fee however at this time we do not have the opportunity to remove it.
To avoid any such charges in future, you can enroll your account for alerts so that you will get notified accordingly.
You can also contct us to make a payment over the phone or via chat without any extra cost. '' You at XXXX, XX/XX/XXXX : It will not be paid and I will close this account if it is not removed by the next billing Read XXXX at XXXX, XX/XX/XXXX : Let me have a word with my supervisor XXXX at XXXX, XX/XX/XXXX : I see right now we have only this option available with us, however we have a senior account specialist team who has more access and rights to your account than us. They might provide any other alternative to you.
XXXX at XXXX, XX/XX/XXXX : The number for our Senior Account specialist team is XXXX ( TTY/TDD : XXXX ). This department is available 24 hours a day, 7 days a week.
XXXX at XXXX, XX/XX/XXXX : Since, I have not receive any response, i am closing this chat. You can contact us anytime. we are just a click away. Thank you for chatting with us!
Conversation closed by the agent at XXXX, XX/XX/XXXX : Citi Bot at XXXX, XX/XX/XXXX : Before you go, please take our 3-question survey. Your feedback helps us serve you better.
Citi Bot at XXXX, XX/XX/XXXX : 1. Based on your recent experience with messaging, how likely are you to recommend Citi to a friend or colleague?
Choose a number from 0 ( not at all likely ) to 10 ( extremely likely ).
Citi Bot at XXXX, XX/XX/XXXX : The survey has expired. Thank you for your time.
You at XXXX, XX/XX/XXXX : 0 Read Info at XXXX, XX/XX/XXXX : Please do not share sensitive account information here, such as your security word or expiration date. This session may be recorded or monitored.
Info at XXXX, XX/XX/XXXX : You are now connected to Citi Bot.
Citi Bot at XXXX, XX/XX/XXXX : Sounds like you need a representative. Hold tight and I'll connect you. It may take a short while if they're all busy.
Info at XXXX, XX/XX/XXXX : You are now being transferred to the next available representative.
Info at XXXX, XX/XX/XXXX : You are now connected to : XXXX XXXX at XXXX, XX/XX/XXXX : Hello XXXX!
How may i help you today?
You at XXXX, XX/XX/XXXX : Cancel my credit card Read Info at XXXX, XX/XX/XXXX : Please do not share sensitive account information here, such as your security word or expiration date. This session may be recorded or monitored.
Info at XXXX, XX/XX/XXXX : You are now connected to Citi Bot.
Citi Bot at XXXX, XX/XX/XXXX : Sure, Ill connect you to the next available representative.
Citi Bot at XXXX, XX/XX/XXXX : We are experiencing longer than normal wait times, but no need to wait around for a reply. With Notifications turned on, you will be notified when you have a new message!
Citi Bot at XXXX, XX/XX/XXXX : Be as descriptive as possible, so that we can provide a complete answer when we reply.
Info at XXXX, XX/XX/XXXX : You are now being transferred to the next available representative.
Info at XXXX, XX/XX/XXXX : Sorry, looks like our wait times are longer than usual. Someone will be with you shortly.
You at XXXX, XX/XX/XXXX : Please cancel my credit card. I requested that the late fee be removed as a courtesy over a month ago and I noticed that it has not been removed yet and now I am being charged interest on that late fee. I will not pay either fees and I want this account cancelled. Read Info at XXXX, XX/XX/XXXX : You are now connected to : XXXX Info at XXXX, XX/XX/XXXX : Sorry it's taking longer than expected to reply. A representative will respond shortly.
XXXX at XXXX, XX/XX/XXXX : Hi, XXXX.
Greetings.
I'm sorry to hear about this.
Shall I proceed further and process the closure?
You at XXXX, XX/XX/XXXX : Yes, please reverse the charges and close this account. Thank you. Read Info at XXXX, XX/XX/XXXX : Sorry it's taking longer than expected to reply. A representative will respond shortly.
XXXX at XXXX, XX/XX/XXXX : At my end, I do not have the authorization to reverse the late fee and interest charges as the system denied it.
I will help you with the number of the team so that after a verbal confirmation they will check this for you.
The number for our Account Specialist team is XXXX ( TTY/TDD : XXXX ). This department is available 24 hours a day, 7 days a week.
If you are unable t get connected, please press " 1 '' so that you will get a call back when the team is available.
You at XXXX, XX/XX/XXXX : You need to leave me alone or I will be forced to file a complaint with the better business bureau on collections harassment. I closed this account a few months ago because I refused to pay a late fee. Now my account shows additional late fees and interest on the late fees. This will never be paid! Read Info at XXXX, XX/XX/XXXX : Please do not share sensitive account information, such as your security word or expiration date here. We may send you a secure electronic form to collect this information. This session may be recorded or monitored.
Citi Bot at XXXX, XX/XX/XXXX : We are experiencing longer than normal wait times, but no need to wait around for a reply. With Notifications turned on, you will be notified when you have a new message!
Citi Bot at XXXX, XX/XX/XXXX : Be as descriptive as possible, so that we can provide a complete answer when we reply.
Info at XXXX, XX/XX/XXXX : You are now being transferred to the next available representative.
Info at XXXX, XX/XX/XXXX : You are now connected to : XXXX XXXX at XXXX, XX/XX/XXXX : Hello XXXX. My name is XXXX and I am a Citibank Client Resolution Specialist. My Operator ID is XXXX. Thank you for logging on today.
I am very sorry about that. I can connect you with customer service to inquire about refunding those fees.
XXXX at XXXX, XX/XX/XXXX : And Just to confirm, you no longer want any calls or mailed correspondence from us. Is this correct?
You at XXXX, XX/XX/XXXX : As you may be able to see from my prior communications, I have tried that numerous times with no luck because they state that they do not have authorization each time. They refer me to a phone number that is constantly busy. This whole process is not right. Read You at XXXX, XX/XX/XXXX : Please stop the automated calls, and somebody please try calling me instead. Read XXXX at XXXX, XX/XX/XXXX : I am so sorry for that.
I can not request a call back but their direct call in number is XXXX.
Conversation closed by the agent at XXXX, XX/XX/XXXX : Citi Bot at XXXX, XX/XX/XXXX : Before you go, please take our 3-question survey. Your feedback helps us serve you better.
Citi Bot at XXXX, XX/XX/XXXX : 1. Based on your recent experience with messaging, how likely are you to recommend Citi to a friend or colleague?
Choose a number from 0 ( not at all likely ) to 10 ( extremely likely ).
Sorry for the long description but I wanted you to see that I have been trying to resolve this on my own with no luck. Thanks.
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| 12/11/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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|
Web |
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My city bank account is negative and still going negative more and more
l have account with XXXX XXXX in XXXX
And I use my debit card from city bank
XXXX XXXX they transfer XXXX $ from my account to the wrong person and I don’t get my money back yet
I contact with XXXX XXXX they refused to help (I have 41 pages copy of all email reserved and send to XXXX XXXX)
I went to the court in XXXX XXXX the court they ask about address for XXXX XXXX
I call XXXX XXXX they refused to give me address I do have documents to approve that from XXXX XXXX
I call my bank city bank
City bank they disputed all the transaction and returned the money to my city bank account
After some days they returned the money back to XXXX XXXX
City bank ask me to file Appel to bud I file 4 Appel for 4 different thing and they close my Appel and today XX/XX/XXXX
They ask me to file new Appel
This the transaction and my account is going negative every day
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| 05/22/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
Ladies and Gentlemen, We refer to the previous correspondences. According to our research there is urgent suspect of abuse of international currency and financial system worldwide whereby identified accounts, deposits, equity and assets owned by XXXX XXXX XXXX XXXX / XXXX XXXX are and were misused by banks mentioned below Ink. Citi Bank : -- -- - Forwarded message from " XXXX XXXX '' -- -- - Date : Sun, XX/XX/XXXX XXXX XXXX Subject : Fw : Fwd : Re : XXXX XXXX XXXX XXXX / XXXX XXXX - Suspect of misuse of accounts and deposits : XXXX, XXXX, XXXX, XXXX - XXXX XXXX XXXX etc.
To : " XXXX '' , " XXXX '' , " XXXX '' Cc : XXXX XXXX URAGENT / FDIC CASE No XXXX FROM : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX ; ATT : Consumer Financial Protection Bureau ( CFPB ) / XXXX XXXX XXXX , Director of CFPB XXXX ; FDIC XXXX XXXX XXXX and XXXX to be forwarded to the Board of Governors of the Federal Reserve System ; SEC USA and Department of Finance of US - Congress , CC : XXXX ; Ladies and Gentlemen, We refer to the previous correspondences. According to our research there is urgent suspect of abuse of international currency and financial system worldwide whereby identified accounts, deposits, equity and assets owned by XXXX XXXX XXXX XXXX / XXXX XXXX are and were misused by banks mentioned below : 01. XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, branches from XXXX XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX is an universal bank, with the head office in XXXX / XXXX being fully responsible and liable for all the economic activities of its branches and subsidiaries worldwide.
02. XXXX XXXX XXXX, XXXX ; 03. XXXX XXXX XXXX XXXX ( New York ), XXXX XXXX XXXX XXXX CO and XXXX XXXX ; 04. XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; 05. XXXX XXXX of XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) ; 06. XXXX XXXX, XXXX XXXX and XXXX ; 07. CITI BANK CITI GROUP ; 08. XXXX XXXX XXXX and XXXX XXXX XXXX ; 09. XXXX XXXX ; 10. XXXX XXXX XXXX XXXX ( XXXX ) ; 11. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; 12. XXXX XXXX XXXX XXXX ; As part of this correspondence, we therefore provide you with evidence regarding our identified owner accounts, deposits and securities in association with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and refer to the documents already provided to you.
Today, we are adding other evidence of investments related to our company XXXX XXXX XXXX / XXXX XXXX concerning our shares, accounts, deposits and securities in connection with XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ) and CITI BANK CITI GROUP. The total volume of our investments amounts to XXXX XXXX of which realized investments, our deposits, transactions and securities were and are on the stock market worldwide.
Based on submitted agreements with XXXX XXXX ( XXXX ) XXXX, for our company XXXX XXXX XXXX XXXX ( - this with reference to last bank statements dated XX/XX/XXXX, already submitted - ), is apparent that our deposits and securities at XXXX XXXX XXXX as at XX/XX/XXXX amounted to USD XXXX, XXXX Billion. In addition, interest rates, dividends and income - that was never paid out - have to be added.
The value and key figures of executed orders and transactions through various banks in the name of XXXX XXXX XXXX / XXXX XXXX with the other banks mentioned above are partially apparent from the submissions in the stock market and refer to registrations with SEC, US FED, XXXX, XXXX, XXXX XXXX, clearing system, DTC etc. and also are partially insured with FDIC ( as confirmed by FDIC ).
Not one of these banks has paid dividends, income or interest to our company XXXX XXXX XXXX / XXXX XXXX. We have not received any information about our requirements regarding realized transactions it was not possile to enable us access to our own accounts, registered stock values and deposits. This is clearly evident from our correspondences since XX/XX/XXXX.
Not one of these banks has filed tax returns and/or declared binding statutory taxes regarding our assets, not one informed XXXX XXXX XXXX XXXX / XXXX XXXX about tax-matters and/or consequences. For years XXXX XXXX XXXX XXXX for these banks obviously served as a vehicle to operate offshore, doing their tax-exempt businesses in the billions of USD, this on our back and on our risk.
As proved by evidence and documents submitted to you, in XX/XX/XXXX, after conducting a full investigation ( with the support of the XXXX XXXX of XXXX ), XXXX tax authority has determined tax liability in volume of USD XXXX Billion charged to XXXX XXXX XXXX XXXX, solely with reference to the investments existing at XXXX XXXX XXXX in the name of our company.
Therefore it is obvious that banks mentoned above have acted improperly and with full intent, most likely also in consultation with each other, and abusive have used our own accounts, deposits, instruments, guarantees and securities and our stock values. On the part of the aforementioned banks, illegal transactions were conducted without our knowledge and without our consent, whereby over the stock market thousands of investors in the USA and in other countries were abused. By such illegal transactions from our accounts numerous criminal offenses have been committed, not only infidelity and abuse, but also forgery, money laundering and tax evasion. An example is illegally realized clearing transaction between XXXX XXXX ( XXXX ) XXXX and XXXX XXXX in XX/XX/XXXX in New York in the amount of USD XXXX Billion. This was done to the detriment of deposited assets of XXXX XXXX XXXX XXXX invested in XXXX XXXX ( XXXX ) XXXX ( please see page 6 of the official Clearing Document, which document already has been sent to you ).
It is extremely noticeable that through above-mentioned illegal activities of above-mentioned banks concerning our assets, and through close collaboration of the banks concerned, any inspection consequently was denied. This refusal was necessary in order to be able further to dispose of our assets without any hindrance.
The banks concerned ( e.g. XXXX XXXX XXXX ) seem to be relying on their illegal activities to remain undetected. Those banks primarily are systemically, why ( because of their size, economic importance and also political power ) they trust that even regulators will not oppose them.
Also from the letter addressed to XXXX XXXX XXXX ( dated XX/XX/XXXX ) it is conclusive to deduce that the banks have been proceeded and will proceed on a systematic and obviously fraudulent basis.
The criminal activities of these banks in connection with the legally exclusive assets of XXXX XXXX XXXX XXXX / XXXX XXXX consistently have deceived US INSTITUTIONS. This, with obvious aim that by misusing our assets as described, they gain an improper enrichment in favor of those banks, their customers and / or third parties. In addition, one must remember that these activities and methods already partially have been used for decades (! ). For XXXX XXXX XXXX XXXX this is completely inadmissible and unacceptable.
Due to such global fraud of the managers personally responsible for the respective acting banks ( to our disadvantage ), also the world-wide financial stability is extremely endangered. This, because of the gigantic sums and shifts of assets in the hundreds of Billions of USD.
XXXX XXXX XXXX XXXX therefore requests, this because of apparent threat to our assets and the threat to international financial stability, to take all legal measures to protect our assets, accounts, deposits, guarantees, bank instruments and securities and to make them available. In addition, it is necessary immediately to take adequate sanctions against the banks mentioned. In any case, XXXX XXXX XXXX XXXX intends further to invest a large part of our assets in the USA and also worldwide in agreement with the responsible US institutions.
We therefore ask you for your understanding that in view of such a gigantic, global scam with hundreds of billions of USD simple standard steps of the respective national supervisory authorities can not be expected. They are clearly overwhelmed. Further clearing and prosecution therefore primarily is in the responsibility of national and international law enforcement authorities. XXXX authorities already have been informed by us where we have submitted corresponding applications and requests.
Please note that in the meantime the Ministry of Justice in XXXX/ XXXX has informed us that the responsible Prosecutor General has been requested to process our criminal charges. Further there is our insolvency petition against XXXX XXXX XXXX filed at the competent court in XXXX XXXX XXXX.
We kindly ask you to forward this e-mail and all our correspondence related to the Board of Governors of the Federal Reserve System, SEC USA as well as to the relevant Department of Finance of US - Congress, and a.s.a.p. to inform us about.
We remain with kind regards XXXX XXXX, XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, 100 % XXXX XXXX and XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX Bank Guarantee AND XXXX XXXX-FDIC INSURANCE NUMBER -XXXX BANK STATEMENT , AUTHORIZATION , PROOF OF FUNDS ASSET, XXXX XXXX
|
| 06/17/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
This e-mail message ( including any attachments ) contains information that may be confidential, proprietary, be protected by the attorney-client or other applicable privileges, or constitute non-public information. It is intended to be conveyed only to the designated recipien t ( s ). If you are not an intended recipient of this message, please notify the sender by replying to this message or telephone and then delete it from your system. Use, dissemination, distribution, or reproduction of this message by unintended recipients is not authorized and may be unlawful. To contact our email administrator directly, please email XXXX XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX . XXXX , XXXX XXXX ( XXXX ) XXXX , ( XXXX ) XXXX , fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Cc : XXXX XXXX Department of Consumer Affairs , County of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX , ( XXXX ) XXXX Cc : Best Buy / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Central time Cc : XXXX XXXX XXXX XXXX XXXX Texas , XXXX ( XXXX ) XXXX , ( XXXX ) XXXX ( XXXX ) XXXX fax Cc : XXXX XXXX : ( XXXX ) XXXX Supervisor XXXX XXXX Field Management ( XXXX ) XXXX Re : Best Buy / XXXX XXXX Purchase Order # : XXXX See Enclosed receipts and documents To Whom It May Concern : XXXX , Best Buy / XXXX Sales, XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 . I am requesting a full refund for the XXXX confection oven/microwave unit purchased at XXXX XXXX / Best Buy. 2. I am requesting that all appliances listed below that are currently covered by XXXX be transferred to XXXX XXXX for future services. I do not authorize any additional fees or loss of coverage. Summary : I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX / Best Buy on Purchase date : XX/XX/XXXX . I also purchased a range, dishwasher and refrigerator. All items are paid in full. The microwave/ confection oven was defective upon installation. I was issued an exchange o n Date : XX/XX/XXXX . This item worked until XXXX XXXX . I purchased a warranty for appliances for all parts and labor ; expires on XX/XX/XXXX . On XX/XX/XXXX my microwave unit stopped working on the confection side ( baking, roasting and regular oven type settings ). I do not use the microwave settings for health reasons. The microwave settings were the only options that were working at the time of this service call. The confection features were the only reason that I purchased this item. I phoned Best Buy to place a service call and was advised that they did not have my documents in their database. I maintained a copy of my receipts, and took them to the Best Buy store where I purchase this unit on XX/XX/XXXX . On XX/XX/XXXX , I spoke with XXXX XXXX from XXXX XXXX / Best Buy XXXX XXXX XXXX XXXX . XXXX XXXX , CA XXXX , ( XXXX ) XXXX , ( XXXX ) XXXX fax. I provided him a copy of my original documents. He emailed XXXX my receipt of purchase and warranty details. XXXX also placed a request for service at that time. I phoned XXXX several times to get an update and request for a service date. Finally, XXXX XXXX XXXX was assigned to my claim #. Ticket # XXXX XXXX , lisence # XXXX was the technician assigned to my claim on XX/XX/XXXX . Upon arrival XXXX was extremely rude and disrespectful to me and the workers in my home, he tore upon my unit and left parts hanging out and refused to complete the service of my unit when I asked several question about my unit. XXXX then demanded me to sign his invoice so that he could leave. I wrote on the invoice, Installer refused to repair. I immediately phoned his company and spoke with XXXX /dispatcher. I held a conference call from my end and spoke with XXXX , supervisor from XXXX . We went back and forth for 2 hours to resolve the problem which essentially was unresolved. I instructed XXXX that XXXX XXXX XXXX and all of their employees were no longer allowed on my property and to document this for all future calls. I phoned XXXX corporate office on XX/XX/XXXX to get their assistance in replacing or repairing the unit. I spoke with XXXX employee # XXXX , she provided me with ticket # XXXX . I added XXXX representative XXXX XXXX on the conference call to reach a remedy. None was made. XXXX was unable to locate my purchase in their system, XXXX agreed to email it them. I did not receive any follow-up from either person. I phoned XXXX on XX/XX/XXXX . I spoke with Representative XXXX XXXX . He sent to XXXX service center and placed a scheduling note of my experience. I requested a return authorization. There was not a follow up on this request from XXXX . We also physically took the Unit back to the store purchased and asked if the manager could assist with a return or repair and were told that there was nothing that they would be able to do but wait on XXXX to call. I phoned XXXX again and was told that there were only ( 2 ) companies in my area that were able to service my unit and if I wanted to pay out of pocket they would consider, not guarantee a reimbursement. I Yelped reviews on the the two companies that were in their roster for my service area. All reviews were barely rated with one star-poor. I was forced to have XXXX XXXX assigned to my unit. When phoning this company I was advised that it was a 2 w eek wait before someone could come to my home. Please be advised that we are Senior citizens and XXXX veterans and placed the original service call XX/XX/XXXX . The wait for repairs has now become absurd. XXXX XXXX told me that we had to bring the unit to their store if we wanted to expedite it and they could repair it immediately. On XX/XX/XXXX , I had someone place the unit in our car and delivered it to XXXX at XXXX XXXX . I phoned them again on XX/XX/XXXX and spoke to XXXX he said parts were ordered and will phone me next week. Once again my unit sat in their office for a great length of time before being called. I phoned again and asked what is taking so long. On XX/XX/XXXX XXXX XXXX returned my unit to my home, they did not reinstall it. They stated that they soldered the control unit. They left my unit on the floor by the front door. I had to pay someone to re-install the unit. The worst part of it, the unit was not repaired and did not work, the same problem existed. What happened to in home service? On XXXX I immediately phoned XXXX and spoke with a XXXX . She now stated that she provided me with a sub-repair order # XXXX I phoned XXXX XXXX again and was told technician XXXX was the tech that repaired the unit and will come back to make the repairs on XX/XX/XXXX between the hours of XXXX XXXX XXXX . XXXX never showed up. I get a phone call from XXXX on XX/XX/XXXX that he was on his way. This is not the way you schedule an appointment, come when you feel like it. I was able to allow for him to come in and assess the problem. XXXX stated that he replaced the thermostat on this visit. Once again the unit did not work when he left, the repair was incomplete. XXXX said that he was not familiar with this unit and asked if I had the manual and was guessing what the problem was, said he could try and order ( 3 ) h eaters and wiring harness to see if this will fix the problem and come back. I never received a phone call to schedule a new visit. Yet on XX/XX/XXXX I received a voicemail at XXXX XXXX from XXXX XXXX that XXXX was on his way, but may not come until XXXX . Yet again this is not the way you schedule an appointment, come whenever you feel like it and not consider my schedule. I placed all of the phone companies numbers in my phone directory so that I would never miss their calls. On XX/XX/XXXX I received a phone call from XXXX from ( XXXX ) XXXX at XXXX XXXX that he was a few minutes from my home and was going to come by then. I asked him to make sure that he can remove and replace the unit as when I spoke to XXXX is manager and he authorized him to install the unit on th e 1st attempted repair. XXXX said he could not make the repair and would have someone call me on Monday. I am not holding my breath on that one. On XX/XX/XXXX , I spoke with XXXX from the Best Buy Department of Defens XXXX metro home delivery. He stated that he was emailing XXXX to voice my concerns. XXXX said there was nothing that he could do other than send the email voicing my complaints and for me to call XXXX XXXX to see if they could service my unit but I would have to pay out of pocket. What happened to my warranty that expires on XX/XX/XXXX ? I am requesting my entire appliance warrantie s ( Dishwasher, ran ge and microwave/confection oven be transferred to XXXX XXXX warranty r epairs ). As of date my unit has not been repaired to working condition. I greatly appreciate your urgent attention to this matter.
|
| 01/04/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
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|
Web |
Servicemember |
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On XX/XX/2023, I received a check from Citibank for funds that was owed to me due to a dispute I had made ( on XX/XX/2023 ) on my account in which the account was closed in XXXX. When I went to the Citibank branch closest to me ( on XXXX XXXX ) I waited so that a teller can see me. The teller in which her name was XXXX XXXX assisted me and asked me what I was in for. I told her that I wanted to cash the physical check in which my account was closed and this was funds due to me. She then proceeded to say that they were not going to be able to cash the check because my Citibank account was Closed and that she was going to double check with the manager on site which is the branch manager and her name was XXXX XXXX. She then took my check and went to the managers office and closed the door so I didnt know what they were saying, when XXXX came back to me she told me that they were not able to cash it due to the simple fact that I was not a client and that I would be able to cash it somewhere else. When I was explaining to her that this was funds that was old to me, she then proceeded to ask me if I had a bank account or an account with a routing and account number and I told her yes but I didnt want to deposit it because I knew it wouldve took a few days for it to be there Due to the amount being high ( {$1700.00} ). I then left and went to the nearest check cashing place and they told me that I wasnt able to cash the check and to go back to Citibank to see why I then went back to the same Citibank location and when I was waiting on the line, the manager had came out and asked me what I was in for and I told her that I was trying to cash a check that Citibank had sent me, but she wasnt letting me so she then proceeded to bring me into her office so that she can see and verify the check. When she looked up my account information and everything, she said that the dispute wasnt on my account and that shes not able to verify the check and thats when I had proceeded to tell her that the check was sent to me from Citibank for the funds that was due to me due to a dispute I had on my closed account. She then started to look at the check and there was a number behind the check and the check wasnt in the system I guess so I had called Citibank on my end to see what was going on. I didnt know what was going on as, XXXX didnt explain to me and help me understand that the check wasnt in the system and she then proceeded to catch an attitude and started to get very disrespectful which made me feel uncomfortable. She was getting disrespectful by talking to me with an attitude and making me feel like I didnt know what I was talking about. When I contacted Citibank customer service, I had gave her my phone and she then proceeded to tell me to put the phone on the table as if she didnt want to touch my phone but the way she said it was in a way that it was obvious she was frustrated and didnt want to continue to help me, she had a very nasty attitude to not only myself but to the representative that was on the phone and this is what made me feel like I was not part of the Citibank community XXXX Upon further investigation by the customer service representative over the phone, it was then explained to me correctly that the check wasnt in the system yet and I would have to call the number on the back of the check to see if it is in the system and then come back to the same branch this is the exact words that came out of XXXX mouth that I was able to call the number on the back of the check to verify if its in the system so that I can be able to come in into the Citibank branch and cash it to receive my funds The next day. The next day in which it was XX/XX/2023 I called the number in the back of the check and it was noted that the check was verified and that I was able to cash the check in the Citibank branch what XXXX had told me the day before she told me to come to the branch when I call the number to see if its verified and if its verified to come to the branch, I came to the branch and the person that assisted me was XXXX. I told her that the branch manager told me that once I called the number on the back of the check to verify if the check was able to be withdrawn or deposited that I can be able to come into the branch and cash the check and that is when XXXX proceeded to tell me that I wasnt able to cash the check because I wasnt a Citibank client and that the manager which was XXXX had called out due to an Emergency so they werent going to be able to cash the check. When I explained to her that XXXX told me that I was able to come into the branch to cash the check, she continued to laugh in my face and say that I wasnt able to because the branch manager wasnt there she then told me that I can go to another branch nearby, which was kind of far because I was taking public transportation. The one thing that really got me upset and made me feel uncomfortable was the fact that XXXX Proceeded to say, dont you have another account where you can be able to deposit the funds? Why dont you just deposit the funds and wait for it? In a shocked moment, I Shockingly, I replied, saying I do, but I know that it will take a while because of the amount and I know that it will take a few days in order for me to receive the full amount her response was what really made me feel like she did not want to help me at all, and she was basically gaslighting me. She said well, if you wouldve did it yesterday, the funds would have been there today me, knowing how long it couldve took if I wouldve deposited the funds in my account, I then replied to her saying that I needed the money to be able to pay for my schooling and other things that I had missed payments on and that I know it wouldve took long because of the amount. She then proceeded to have a smirk on her face, and that is when she told me that I can call another branch nearby to see if the manager is there, so I can be able to cash the check. I asked her what was the branch, and she then gave me the branch, while I was standing there, she was talking to other tellers behind the teller glass and was talking to them as if I wasnt there. I then left the Citibank branch and went to a check cashing place to see if I can cash the check spending almost an hour and a half in the check cashing place. I wasnt able to cash the check and even the teller in the check cash place Told me that I was able to cash the check in Citibank because it is a Citibank check and it was owed to me and my name was on the check so there shouldnt have been any problems. This took me approximately XXXX hours until I then went back to the Citibank location on XXXX XXXX. At this point I was frustrated and stressed out about the situation. When I got to the Citibank branch on XXXX once again, I then proceeded to talk to a young woman who, in fact, helped me throughout the whole process and was able to cast the check for me. Before being able to get my funds, I explained to her that the manager XXXX told me that I can call the number on the back of the check And if it was verified and in the system that I could come to the branch and I told her about the situation, and she didnt proceeded to tell me that she wasnt able to, but she can see what she can do. when she went to the back it took approximately XXXX minutes and when she came back to me, she told me that she spoke to XXXX And XXXX said that she can not be able to cash the check because I wasnt a Citibank customer. I then explain to the young woman that XXXX told me out of her mouth the day prior that I was able to so what has changed this. This had become a stressful situation, and the young lady proceeded to continue to help me and figure something out so that I can be able to withdraw the funds from the check. When the young woman was in the back, she asked XXXX a question to help me and XXXX blatantly said I dont know but in a tone where anyone couldve told that she didnt want to help me at all. The woman asked a question again, and she did the same thing with the same answer I dont know. About XXXX minutes later the young woman proceeded to help me and verify the check in the check was verified and she was able to help me withdraw the funds. Also prior to her being able to help me another teller in the branch ( I dont remember his name ) had told me that I wasnt able to cash the check because I wasnt a Citibank client andthat my account was closed and that the manager is not there so she wasnt able to even make a decision to even let me be able to cash the check. He also suggested that I give the check to someone to deposit in their account and this kind of got me upset because of the funds amount which was {$1700.00}. This happened in a matter of XXXX hours, and it resulted to me being able to cash the check in the branch where XXXX told me that I wasnt able to cash the check but I ended up cashing the check because the young woman her name was XXXX helped me. They were able to cash the check so this had made me feel not only better but my overall experience due to what I had to go through made me feel like they were enjoying the fact that I had to go through a lot to cash my check and it also made me feel like my concerns and what I wanted to get done wasnt valuable enough for them as they had put me through a lot and I had to waste time just to be able to cash the check in the branch near me..
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| 06/22/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
Servicemember |
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From : XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Hereinafter collectively referred to as Claimant To : MACYS DEPARTMENT STORES XXXX XXXX XXXX XXXX, OH XXXX Hereinafter collectively referred to as RESPONDENT, you, your company RE : Alleged account that is not mine XX/XX/XXXX NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern I RECENTLY PULLED MY CREDIT FILE AND SEEN THAT THIS ACCOUNT DOES NOT BELONG TO ME. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as DELETED ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally DELETED ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.
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| 12/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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After over a one year billing dispute in which I was told by Citibank Billing Dispute that I have a very strong case against a merchant for a returned bike, and after Citibank mistakenly told me on two occasions that the Case has been resolved in your favor, I was told that the merchant refused to accept what Citibank sent the merchants bank stating that the merchant is not due any money. The merchant then decided to take the rare step and pay to go to Arbitration. MasterCard shockingly ruled in the merchant 's favor.
The letter that I received from Citibank on XX/XX/XXXX via the online e-communitcation item stated the following : The billing dispute review process has been completed for the above listed item. The merchant has refused to issue credit to your account for the disputed charge. The merchant stands by their terms and conditions that were agreed upon at purchase. They do not allow returns on custom orders. They stated the wheels on the bicycle were custom. We are rebilling the disputed amount to your account. We are unable to assist you further with this matter. You will need to seek other means. We can not mandate the merchant issue credit. This investigation is now closed. We apologize for any inconvenience this may have caused.
The merchant committed fraud in their claim that the was a custom order. I submitted proof that their claim was fraudulent both on XX/XX/XXXX and on XX/XX/XXXX. Citibank is negligent because it appears that they did not submit the crucial proof to the Arbitrators that the merchant had submitted fraudulent claims about this order being custom. The spare wheels I had ordered to be use in the winter for winter riding were never delivered, thus resulting in a refund via a MasterCard receipt on XX/XX/XXXX due to non-delivery.
Plus, they claimed that the bike I was given had custom wheels. I never ordered custom wheels nor did I receive any other wheels, except the wheels that came with the XXXX XXXX XXXX bike. The wheels on the bike were stock expensive XXXX XXXX wheels. I submitted proof of this. I am puzzled as to how the arbitrators could rule in favor of the merchant unless Citibank neglected to point this out or submit my evidence to the MasterCard Arbitrators. This was key factual evidence.
I have been a loyal Citibank customer for over 23 years and I am disgusted with how Citibanks Executive Response Unit will not look into and help to correct this situation. I was assigned to XXXX XXXX in their Executive Response Unit who was investigating my case. However on XX/XX/XXXX, I received a phone call from XXXX XXXX on behalf of XXXX XXXX and she did not know all the details of the case and refused to let me speak to XXXX XXXX or the person who leads the Executive Response Unit. She kept stating that it is irrelevant.
Citibank Executive Response Unit refused to discuss the case further even though I submitted proof on two occasions that the merchant has committed fraud. I have mountains of proof, yet Citibank does not want to be bothered and will not try to correct this major error.
I was told on XX/XX/XXXX and XX/XX/XXXX by two Billing Dispute representatives ( XXXX, then XXXX ) via recorded phone calls that the Citibank Investigators told the merchant 's bank that they are NOT going to return the money. The bike was returned and the merchant is in receipt of the bike. There is no proof the customer was advised of the stores return policy and did not sign anything acknowledging said policy. Credit to go back to customer. Citibank also stated that the merchant had provided a lot of conflicting information.
And another major issue with this purchase is that the merchant never gave me the complete items that were purchased. There was a rouge manager who stole/kept all the supplied accessories that come with the bike and did not tell me that this high-end bike comes with a bag full of accessories. I was able to get a letter from the manufacturer ( XXXX XXXX ) and another local bike shop ( XXXX XXXX ) to explain that the bike should have been supplied with a long list of accessories.
As for the actual transaction, this purchase for one ( bike ), but was split into two transactions : A deposit of {$2500.00} on XX/XX/XXXX and the balance of {$5300.00} on XX/XX/XXXX. Unfortunately this was one purchase, but it required two transactions. A very important detail is that the {$2500.00} amount was Resolved In My Favor. I do not understand how the deposit part of this dispute was resolved in my favor, but the balance was not.
Over the past year, I was provided with incorrect information and Citibank 's Billing Dispute department made countless errors. I was told by many supervisors that my case was mishandled and I received many apologies for their mistakes. I even received a courtesy credit of {$100.00} by a Supervisor named XXXX on XX/XX/XXXX to apologized for the errors that the Citibank representative who wrote up the billing dispute and was told that the employee will need to be resent to training.
I am extremely disappointed and disgusted how I have been treated by Citibank. From the beginning they told me that I must return the merchandise as part of the Billing Dispute process. I followed every instruction and provided a mountain of evidence that the merchant was lying and committing fraud.
In the end, I was told, " Sorry we can no longer help you. '' Not only was I rebilled {$5300.00} which is due on XX/XX/XXXX, but I do not even have the merchandise. This is a grave mistake on Citibank 's part because I am not convinced that Citibank neglected to send MasterCard my evidence that this was not a custom order, that the wheels on the bike were the stock wheels that come with an XXXX XXXX and that the merchant had been submitting conflicting information.
I am asking for help in resolving this matter since I have nowhere to turn to. Again, Citibank must not have submitted my evidence that this was not a custom order and the photos and proof that the bicycle I received had the stock wheels on it that came with the bike.
Dates and Details : XXXX Placed a deposit of {$2500.00} for a high-end bike ( {$7700.00} ), water bottle cages ( {$89.00} ) and a low priced ( {$580.00} ) spare set of wheels that I intended to use for winter riding on harsh XXXX streets. I did not want to ruin the expensive carbon XXXX XXXX wheel that came with the bike. Those wheels which were included with the bike are valued at {$2400.00} if purchased separately. So there was no need for a Custom Upgrade as the merchant had wrote on the side column of a photocopy of my receipt. Never did my receipt state anything about a custom order. ( Prices mentioned above are shown before tax. ) XXXX After a once week delay due to a fork color matching issue, '' the bike arrived late and I was told by the merchant to pay the balance of {$5900.00} in full. '' The spare set of wheel had not arrived yet, but I was told that I MUST pay the entire balance. I received the bike that I ordered the which came with high-end expensive stock wheels.
A few weeks later I discovered that the merchant failed to give me all the included accessories that was in the shipping box and are the customers property with purchase. This was never a complete purchase, meaning I did not get everything I paid for since the manager withheld/ stole the accessories. This should have invalidated their return policy immediately.
The Fair Credit Billing Act dictates that there be a process by which one can question transactions involving goods or services you never received or merchants did not deliver in the way they were supposed to. This is exactly that situation. A dishonest merchant who tried to cheat an unassuming consumer.
XXXX After three weeks of excuses of why my spare set of winter wheels have not arrived, the merchant kindly REFUNDED the wheels to my MasterCard . The amount was {$630.00}. So again, I never received the spare set of wheels.
Also on this day, after receiving the Refund for the spare wheels, I was told never to come back to the bike shop. With that, they were not going to honor my lifetime service on a bike that I paid a lot of money for.
XXXX After being very upset how I was treated by the merchant, I called Citibank Billing Disputes to see what can be done. I spoke with a representative named XXXX who informed me that the call would be recorded. She said, Do you like to never have to deal with this merchant again? I said yes. She then said, OK, we are going to open a billing dispute. Since this purchase required two transactions, one for the deposit and one for the balance, I have to open a separate dispute for each, so my questions will be redundant. Once I open this dispute, I will send you paperwork for you to fill out and send back. You will return the bike to the merchant tomorrow and Citibank will take care of this. You will never have to deal with this merchant again. When I mentioned that the receipt said no returns on bikes, XXXX said, It does not matter. And when I told her that if I return the bike, I will need another bike since I am in a cycling club, XXXX stated, You can go ahead and buy the same bike from another authorized dealer that you trust. I was very comforted after this phone call since XXXX of Citibank assured me that everything will be taken care of.
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| 11/22/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Citibank XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : {$20000.00} in fraudulent transactions Dear Citibank, I am writing to request {$20000.00} that was fraudulently withdrawn from my Citibank checking account ending in XXXX be reinstated in in the form of a cashiers check or in a new, uncompromised account.
XX/XX/XXXX : I discovered XXXX transactions that I did not authorize ( {$3900.00} on XX/XX/XXXX and {$6800.00} on XX/XX/XXXX that were both labeled as Bill Payee to XXXX ( upon randomly checking my account, since I did not receive any email or text alerts ). I immediately called Citibank using my XXXX calling since I was on airplane mode to inform Citibank that these were fraudulent. I spoke with a representative on XX/XX/XXXX, and she assured me that she would have this taken care of and there was no need to close my account.
XX/XX/XXXX : Upon checking my account again, I discovered that {$9900.00} cleared on XX/XX/XXXX. I immediately called Citibank at XXXX ( XXXX XXXX ) to once again inform that I did not authorize any of these charges. I also called XXXX at XXXX ( XXXX XXXX ) to further investigate but they had no accounts linked to my checking or routing number.
I informed the representative that I did not recognize a number listed in my contact information and read this out to them ( XXXX ) along with an email I did not recognize ( XXXX ). I immediately changed my password and userID.
XX/XX/XXXX : Arrived back from vacation, called Citibank and XXXX XXXX XXXX and was told to wait back for the result.
XX/XX/XXXX : Went to the XXXX XXXX Citibank, spoke with XXXX XXXX, the branch XXXX, later called Citibank XXXX department and was informed that my claim was denied.
XX/XX/XXXX : Went to the XXXX Citibank, spoke with XXXX XXXX, filed an appeal to Citibank and an XXXX report. I was told at the time by the XXXX Police department that it was not necessary to file a local report.
XX/XX/XXXX : Submitted an FDIC complaint and was told to contact CFPB.
XX/XX/XXXX : Citibank denied claims again.
XX/XX/XXXX : Submitted a CFPB complaint against Citibank.
XX/XX/XXXX, XXXX : Called Citibank again to check the status of my appeal.
XX/XX/XXXX : Citibank representative from America calls for the first time to ask questions about my case ( all other times I reached out to Citi myself ) XX/XX/XXXX : Denial email from Citibank with Electronic Payment documents labeled Merchant Transaction Report, called XXXX again, once again they could not find any info with my account info listed on the Citibank documents ( read them everything provided on the document Citibank gave me- account numbers, trace number, reference number, and all of my banking information ).
XXXX, XXXX, requested transcripts of phone conversations and actual voice recordings from Citibank of the initial conversation I had with the representative on XX/XX/XXXX when I first informed her of the fraudulent charges and she assured me not to worry and that she would have it taken care of. My requests were ignored repeatedly.
XX/XX/XXXX : Per XXXX denial letter their records indicate that each One Time Password that was generated was sent to your primary phone number on file, not the second unrecognized number. I disagree with this claim, as I did not receive ANY notifications about any of the three charges that cleared. I was on airplane mode the whole duration of my trip XXXX, so it was impossible for me to receive or respond to text messages.
On XX/XX/XXXX : Filed an XXXX complaint, and FTC XXXX report, filed a consumer complaint with the XXXX District Attorneys office, called XXXX again, and they had no record of my Citibank account or routing number. Went to Citibank XXXX branch, they told me to call the fraud department.
XX/XX/XXXX : Filed a local police report at the XXXX XXXX, after being advised several times by the XXXX XXXX that a local police report was not necessary.
XX/XX/XXXX : Filed another CFPB complaint to Citibank.
XX/XX/XXXX : Citibank responded, Our records indicate that the {$9900.00} payment was entered on your mobile app using a XXXX Pixel XXXX on XX/XX/XXXX. Considering that you contacted us the day before, there was no payment on file to stop. Please note, the bill payments were credited to the XXXX account ending in XXXX, which was established on or before XX/XX/XXXX. We have attached the details for each transaction in question to assist XXXX with locating these funds ; however, you will need to contact XXXX directly for further assistance.
I disagree with this entire statement. While it shows a XXXX Pixel XXXX was used, there was no indication of my specific device. I have requested the IMEI and or IP addresses that were used to specifically link my authorization from Citibank but have not received this information. Upon calling XXXX numerous times, they had no record of this account as I spoke with so many representatives and gave them the full account ending in XXXX established in XX/XX/XXXX. Please see later finds from XXXX on XX/XX/XXXX ( after a CFPB complaint was made to XXXX ). Lastly, I asked the Citibank representative on XX/XX/XXXX if it was necessary to close my account and I clearly stated that the first XXXX transactions on XX/XX/XXXX and XX/XX/XXXX were fraudulent and I did not authorize either of these, yet nothing was done to appropriately secure my account, allowing another {$9900.00} to go through under Citibanks XXXX
XX/XX/XXXX : Citibank denied my request to obtain the phone conversation I had with the negligent representative on XX/XX/XXXX and stated that I would need a valid subpoena or court order to release consumer account records.
XX/XX/XXXX : Received letter from Citibank that provided IP address XXXX, but did not provide an IMEI to confirm my XXXX Pixel XXXX device. The letter further states, Our records show that the last time there were any updates on your payees was on or before XX/XX/XXXX.
I disagree with this statement because upon receiving the document later provided by XXXX on XX/XX/XXXX, it shows that this account was created on XX/XX/XXXX, which gives me reason to believe that the suspect ( again listed in the document provided by XXXX on XX/XX/XXXX ) XXXX have adulterated XXXX records to show that this account was established on XX/XX/XXXX, when in fact it was not even created until XX/XX/XXXX. One can also see that the IP addresses do not match any provided with Paypals documents, this seems suspicious that two separate locations would be used if I supposedly authorized both transactions from my Citibank account to my XXXX account.
XX/XX/XXXX : I changed my carrier and phone number and did a factory reset on my phone, since I have reason to believe that my phone has been hacked. Yet I do not hold any specifics as to how this happened, nor do I know how my bank account was compromised, I do know for certain a hacker got into my account and did these transfers without my authorization.
XX/XX/XXXX : Citibank denied my claim once again. Received a call from XXXX from XXXX XXXX XXXX XXXX XXXX saying they consider my case closed and will no longer respond to my replies and can not answer any further questions.
XX/XX/XXXX : Filed CFPB complaint to XXXX.
XX/XX/XXXX : XXXX responded to my CFPB complaint with the following : On XX/XX/XXXX, you created a XXXX account using the email address XXXX ( " Account XXXX '' ). On XX/XX/XXXX, a XXXX account was created in your name using the email address XXXX ( " Account XXXX '' ). Between XX/XX/XXXX and XXXX, XXXX, Account XXXX began receiving transfers totaling {$20000.00} ( Transfers ) from a bill pay service that your financial institution offers. On XX/XX/XXXX, a XXXX debit card ( XXXX XXXX ) was added to Account XXXX. Subsequently, the Transfers were withdrawn from Account XXXX via the XXXX XXXX or used to fund other transactions via XXXX. Your Complaint notified XXXX that you were disputing the validity of this activity, as you had not created Account XXXX. This prompted XXXX to conduct an additional review of Account XXXX and your claim of identity theft. On XX/XX/XXXX, XXXX investigated your claim and found it to be a valid case of identity theft.Please see attached XXXX document.
XX/XX/XXXX : In the same response, XXXX provided an in depth document about the fraudulent account with unfamiliar names, addresses, IP address, and credit cards, all from linking the unrecognized number found in my Citibank appeal letter ( XXXX ). I also recognized the initial email I saw listed in my Citibank account ( XXXX ). Despite mentioning this to Citibank when the charges were first discovered in XXXX, and also listing the number in my appeal letter on XX/XX/XXXX, Citibank has outright ignored all mention of this foreign email and phone number. Please see the attached document XXXX has provided and contact them further in investigating my identity theft.
XX/XX/XXXX : Filed an FTC Identity Theft claim reference number XXXX, here is another update XXXX since the first one XXXX have expired XXXX. Please see both copies of the attached documents.
XX/XX/XXXX : Updated XXXX police report with all supporting documents proving that I am an identity theft and cyber fraud victim.
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| 11/29/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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BACKGROUND TIMELINEXX/XX/XXXX : I began registration process with Citi for the XXXX Account package. I was unable to sign up online. I called to ask questions, to get help signing up and to make sure this was the best package for me. From day one I explained that I am opening this checking account so that I could use this account while I am traveling out of the country. I made it clear nearly every conversation I had, that I am opening this account for the international ATM transaction fees to be reversed. Each time I asked for this information to be clarified, they said it is not a problem and, yes, your international ATM transaction fees will be reversed.
XX/XX/XXXX : Spoke to XXXX at XXXX XXXX. I spent nearly two hours trying to get a hold of a customer rep to help me register. She told me I couldnt register online until paperwork was sent in and a debit card was sent to me. The call dropped three times while I tried to speak to a customer rep.
XX/XX/XXXX : Tried to register again. It would not allow me to register. XXXX from account servicing told me there is a hold on my account and they need to talk to me. She was unable to help me. Once again, I explained that I am opening this checking account so that I could use this account while I am traveling out of the country ; clarifying that I am opening this account for the international ATM transaction fees to be reversed. I feel that an account manager should have reached out to me before I called them to find out what the problem was. Not once did I receive an email with any hello, welcome, or on status of account. I also explained how concern I am because this is taking so long to register, and I am leaving town in 9 days.
XX/XX/XXXX : Received return check # XXXX for {$15000.00} from CITI. Our first attempt to fund the account per instructions in WELCOME package sent to me.
XX/XX/XXXX : Spoke to a customer rep, he stated he would put in a request to release the locked account, send me a pin and debt card. He requested the back-office email me with verification. No one ever reached out. Spent another hour and half trying to reach a customer rep. and the phone line dropped two times.
XX/XX/XXXX : Once I got a hold of a customer rep., I was directed to Account Services after the first call was dropped. She confirmed the debt card was sent out, possibly arriving on XX/XX/XX/XX/XXXX. I asked to speak to their supervisor, they left me on hold and phone dropped. Another 90 minutes spent trying to reach Citi Customer service rep and to get any help.
XX/XX/XXXX : I tried to link an external account to Citi Account. A few days later deposits were made to external account. The website would not let me verify the deposits. Two people hung up on me with that particular time. I found it very difficult to understand their dialect but also the phone line was so poor, I think it played a bigger role in me not being able to understand what they were saying. Spoke to a XXXX, he did nothing to help and either hung up or the phone line dropped. Tried one more time to reach someone, the CITI wire specialists hung up on me too. No one could or would help. Another two hours wasted trying to get help with opening my CITI XXXX Account Package before I left out of town. This was becoming extremely stressful and frustrating.
XX/XX/XXXX : Husband, XXXX XXXX XXXX, tried to get information from account reps. on the quickest way to get money into this new account before we leave.
XX/XX/XXXX: After spending over an hour trying to speak to someone to help us figure the fastest way to send money to fund the account before we leave, the phone being dropped more than once and having to start the call all over again, I spoke to XXXX, Account Specialist. Unbelievably he said, give me your check #, routing #, etc., he said he would make the transfer in 3-5 business days. I was shocked because we had already wasted so many days and time trying to get someone to do this very same thing. No one would do it, they kept saying you had to wire money or send in a check. Unbelievable he just nonchalantly said OK and started the request. Since we were having so much trouble every step of the way from getting any logical help, registration, to verifying external accounts, to funding the account ; we were not sure if XXXX was for real or just another CITI employee lying. We were leaving in two days and very stressed, not sure if this really going to happen. Nothing from our experience gave us any confidence they would do what they say.
XX/XX/XXXX : Spoke to XXXX. My online access would not allow me to verify the deposits in external account. Said they were invalid, even though I saw the deposits and was not making them up. Just would not except deposit verification.
XX/XX/XXXX: My husband, XXXX XXXX XXXX, took the check information I gave XXXX. Our bank said they ( CITI ) could not take money out of our account without approval. It was not legal for CITI to do so. So, we decided to wire money into CITI account thru our bank.
XX/XX/XXXX: Home from our travels. We have called CITI to reverse the international ATM transaction fees as they said they would do. She said they could only approve a few. When I told her that was unacceptable, she went silent and there was no longer anyone on the line, the phone dropped and went dead.
DATE AMOUNT OF international ATM transaction FEE BANK REVERSED/ NOT REVERSED XXXX XXXX, XXXX {$18.00} XXXX XXXX NOT REVERSED XXXX XXXX, XXXX XXXX$17.00} XXXX XXXX XXXX XXXX XXXX NOT REVERSED XXXX XXXX, XXXX {$11.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$11.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$26.00} XXXX XXXX NOT REVERSED XXXX XXXX, XXXX {$37.00} XXXX XXXX NOT REVERSED XXXX XXXX, XXXX {$37.00} XXXX XXXX NOT REVERSED XXXX XXXX, XXXX {$3.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$2.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$2.00} XXXX XXXX XXXX : Somewhere between the XXXX XXXX XXXX I called again requesting the international ATM transaction fees be reversed. They denied my request and said this account does not have this service. I complained that this is not what CITI told me from day one and now the truth come out.
XX/XX/2021 : Spoke to XXXX # XXXX. I requested the remainder of the international ATM transaction fees be reversed. They denied my request. She said they had reached its limit ; the fees are limited and that these were appropriate CITI Bank fees. I said this is not what you told me. I have made it extremely clear why I was opening this account. I asked questions regarding to why I wanted to open this account from the very beginning. I find it unacceptable that this is the time they tell me this account does not have this service of reversing international ATM transaction fees even though I specifically asked this more than once throughout the entire process.
COMPLAINT CONCERN Citi employees are very challenging to hear and understand. I believe they are hard to understand because CITI has an extremely poor phone service/connection. The sound is mottled, low volume, and it left the speaker to sound like they are mumbling. I dont think the customer reps knew what they were talking about since many of them either repeated talking points which in the moment really didnt make sense with the question I was asking ; individual reps gave out different information and clearly they were not helping or had the knowledge to resolve the issue and at the very least give me correct information for me to base my decisions from. CITI Sales Reps talk over you, mainly repeating their talking points given to them. All of CITI staff would try to kick the can down the road by referring me to a branch office ( there are none in the state of Oregon ) or by finding another department less likely equipped to help me or they would go silent and hang up on me. Something is seriously wrong with their online processes, customer support training, and COMMUNICATION. I believe they that CITI intentionally gave me wrong information so that I would sign up for this product whether it met my criteria or not. No resolution ever came about and they accepted the fee charges from me even though they told me something completely different. I asked for them to tell me what page I could find this information in the WELCOME package sent and the first rep said it is not written down and the second rep I spoke to said it is in there but not sure where. I have read the book and can not find anything describing the amount they charge for international ATM transaction fees.
WHAT I AM REQUESTING I am asking CITI Bank to reverse the international transaction fees that they verbally said was available to me with the XXXX checking package. I am not asking for anything more than what I asked of them from day one and they said they would do.
It is really hard for me to accept their apologies that someone did not tell me the correct answer to my very specific question and for the only reason I chose to open this account in over a two month period of asking the very specific question does this account waive international ATM fees?. Every answer was yes, and never once did I hear there was going to be any charge.
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| 04/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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We purchased our XXXX XXXX XXXX, new at XXXX XXXX XXXX XXXX in New York on XX/XX/XXXX. ( see vehicle information in the resolution area ) The originator/financing of the loan was with XXXX XXXX XXXX, located at XXXX XXXX XXXX, in XXXX, NY XXXX.
In XXXX we had sold our home in XXXX, NY, to move out to XXXX XXXX, Nevada. Once we were settled in Nevada we decided to pay off the remaining balance on the auto loan owed to XXXX XXXX XXXX so to cut back on monthly expenses.
With the final payment of approximately {$6500.00}, The loan was paid in full in XX/XX/XXXX. Since then we've continued to live in Nevada, register the car each year with no issues and had never even thought about the title, up until last XX/XX/XXXX, when we decided to move down to Florida. At which point we wanted to give the car to our XXXX XXXX XXXX who lives in Arizona. It was at that time, when we went to sign over the title to our grandson, that we noticed that XXXX XXXX XXXX was still showing as lien holders on the vehicle, and realized that they never sent us the clear title when it was paid off in XXXX. My daughter in Arizona as well as myself have been trying since XX/XX/XXXX without any success, to contact someone who could resolve this issue and forward us the clear title, or at least a lien release so my grandson can get the vehicle registered in Arizona. Over these last " 6 '' months, we've exhausted our efforts after an countless amount of phone calls, several times being referred back to the same phone numbers. Many of the calls were transfers back and forth always to the wrong people all of which left us not finding any one who would take responsibility to even look into the issue, let alone try to resolve the issue. What follows is a copy of our records of attempts that we made to contact someone who could help us to obtain our clear title. Research notes and findings as follows....
XXXX XXXX Title/Lien Release Research Findings XX/XX/XXXX @ XXXX Tried to contact XXXX XXXX XXXX where XXXX loan was originated XXXX XXXX XXXX XXXX XXXX XXXX NY. ( E.A.B. ) Located a Ph # : XXXX Called and reached an automated voicemail which answered as Citi Bank. After researching, I found out that E.A.B. was purchased by XXXX XXXX on, XX/XX/XXXX.
I then located contact info for a live person at Citi bank and called them to try to obtain and request the lien release that should have been sent to mom and dad from XXXX when the loan had been paid off in XXXX. Citi Bank advised me that all the auto loans from XXXX were sold and taken over by XXXX Bank and that I would need to contact them. I was given a Ph # : XXXX for XXXX XXXX.
XXXX XXXX Results >> ( No records on vehicle / Title XXXX I then called XXXX XXXX ; explained the situation and XXXX had directed me to contact Title support @ either XXXX, or call them at : XXXX.
After going to the web-site and having no success, I called title support and spoke to XXXX.
XXXX advised me that I can order a lien release thru the above web site, and that the cost is {$23.00}. XXXX Results >> ( No records for vehicle / Title found ) Date : XX/XX/XXXX Placed order for lien release thru My Title XXXX. Receipt is as follows.....
This receipt is your Invoice.
Please keep it for your records.
Thank you for placing a request with us.
A confirmation email will be sent to you shortly.
Confirmation No : XXXX ( OPEN ) Request Type : Lien Satisfaction ( Loans Only - No Leases ) Date : XX/XX/XXXX REQUEST SUMMARY Account Number : N/A Lien Satisfaction Delivery Information : Vehicle Identification Number : XXXX ( XXXX XXXX XXXX ) Name : XXXX XXXX XXXX XXXX 's Name : XXXX XXXX XXXX AND XXXX XXXX XXXX Borrower 's State : NV Requestor Name : XXXX XXXX XXXX Requestor Daytime Phone : XXXX Zip Code : XXXX BILLING INFORMATION Your credit card, ending in XXXX, was billed {$23.00} for the above-mentioned transaction. The company name will appear on your credit card statement as XXXX.
Name : MyTitleSupport Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Date XX/XX/XXXX Received an update from XXXX that the Lien release request had been voided and the {$23.00} fee was refunded to the card??? No explanation, and Nothing else.
Called XXXX again to ask them why the request was voided and they did not know. All they said was that it had come back Unknown. I asked who it was sent to and was advised XXXX XXXX I then called XXXX XXXX again and explained the title issue and the account representative at XXXX had directed me to contact XXXX XXXX due to that they bought over XXXX XXXX. I explained that XXXX XXXX had transferred all the auto financing accounts over to them and, she said that this account was not in their system or in their archived files, she went on to also say that they would have never have received the file during the transition due to that it had been paid off in XXXX. ( probably the reason for the voided lien release request and refund of {$23.00} fee XXXX XXXX Results >> ( Again, No records for vehicle or title found ) Date XX/XX/XXXX Went online to do more research and found a site that could supply a motor vehicle history report for the vehicle, so I obtained a 4-page Motor vehicle report online thru XXXX ( XXXX XXXX ) See attached Report # : XXXX In the lien information section it shows that there is NO LIEN on this vehicle.
XX/XX/XXXX Called My title support again to attempt to obtain title/lien release or at least confirmation of the reason why the order was previously voided by XXXX XXXX for the XXXX lien release.
Spoke to XXXX, he pulled up the previous request for the lien release in XXXX and he advised me that unfortunately XXXX XXXX is one of the institutions that do not supply the reason why they decline or void out their requests. He said that it was not declined, it was voided and my payment was returned. XXXX went on to say that he had a contact phone # for XXXX title dept. and that I should contact them to try and get the title issue resolved. I received Ph # : XXXX then select option # 1, # 3, # 3, and # 2. Results >> New contact information found ( No records on vehicle / Title ) Called XXXX yet again, this time at the given ph. # for their title dept. I spoke to a rep that took the VIN # to look up and came back and said he needed to x-fer me to title research because he didnt see it in his system. I asked well how could they void my request for a lien release and, he said that is why the request thru my title support was voided, because they did not have the vehicle/loan in the system.
I then asked to be x-ferred to his supervisor, I spoke to XXXX, who asked for the vin # and she also confirmed with me and said that it was not coming up in their system and she also stated that they would not have ever received the account because that it had been paid off before the auto financing transition occurred from XXXX XXXX.
XXXX said I would need to contact XXXX XXXX XXXX and was given a contact # : XXXX.
Results >> New contact information found for title dept @ XXXX XXXX ( No records on vehicle / Title ) Called XXXX XXXX XXXX XXXX XXXX. Spoke to the Dept Supervisor, XXXX. I explained the whole issue again, and requested that she try to trace the file for the release of the title. I gave XXXX the full VIN and she was unable to pull it up in their system either. XXXX suggested that I contact My title support of which I told her that I had been in contact with them a minimum of 3-x. Results >> Nothing! Dead end just going around in circles ( No records on vehicle / Title ) At this point we have hit a brick wall. There is no one in NY or AZ that can find any information in regards to a lien on this vehicle or even if one ever existed. However, on the title report done on line thru XXXX XXXX, it was verified that there is NO LIEN INFORMATION REPORTED.
As of today, XX/XX/XXXX, the car is 22-years old. It was paid off in XXXX.
There has been no information found by neither any of the lending institutions, or title support service companies that Ive been in contact with in NY who that even when searching by the vehicles VIN all show no outstanding Liens / Loans/ Impounds / or Auction sale reports that are now or ever have been coming up in any system on this VIN.
XX/XX/XXXX : went to the DMV again. AZ DMV allowed a final temporary tag for 30-days to resolve title issue. Expires XX/XX/XXXX.
XX/XX/XXXX : Temporary tag expired. Vehicle can no longer be driven until title issue is resolved XX/XX/XXXX : Contacted a division of the NY DMV who suggested that due to that it was a bank issue and them not releasing the lien on the title, that I should call the FDIC @ XXXX.
Called the FDIC and was advised that the XXXX XXXX purchase of XXXX XXXX XXXX was not regulated, ( or something like that ) that I should call the Consumer Financial Protection Bureau to file a complaint. Ph # : XXXX.
I called the Consumer Financial Protection Bureau to ask how to file a complaint, and how the process works. I was told they will send the bank the complaint and the bank will have 15 days to respond if no response the CFPB will let me know the status. I also have to submit a resolution request
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| 10/26/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX-XXXX RE : Compliant of Consumer Fraud, Predatory, and Deceptive Practices Perpetrated in Maryland and Virginia by XXXX XXXX XXXX and Sears CitiBank Card Services Dear Sir : Im asking CFPB to investigate and take immediate action against the two ( 2 ) predatory companies named herein for using credit card transaction processing to defraud and harm customers that have been victimized by deceptive and misrepresented service contracts for work that is never performed and/or performed very poorly and for charging hidden fees that are never disclosed.
The companies named in this compliant are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Sears CitiBank Card XXXX XXXX XXXX XXXX XXXX SD XXXX This is how the deceptive practice ( scam ) works.
1. A customer calls XXXX XXXX XXXX for a service request. The consumer is then offered a special promotion that they are running. In this case Air Duct and Dryer Duct Cleaning for {$180.00}.
2. On the day of the service, a Searss sales representative shows up unannounced prior to the scheduled service time posing as the supervising technician. He then begins to evaluate the problem and writes up a quote for additional work that he believes you might need.
3. He then tells the consumer that they will get a 50 % discount on the work quoted ; plus no interest for 18 months, if they do the work today. Right now.
4. He then turns the quote into an inflated service contract with written-in language that appears to be what he verbally promised. But that the customer needs to do it now since the actual technicians are on their way and he needs to call it in before they get there. They promises that the back office will work out the details later to ensure that you get 50 % off the invoice plus no interest for 18 months.
5. He then gets your credit card information and quickly leaves. ( Another variation of this scheme is that they take a credit application and approve the consumer on the spot for credit terms that are never fully disclosed at the time. ) 6. A short time later, after they pre-charge your credit card for the full invoice, the actual technicians show up to do to work against the misrepresented contract.
7. The SOP and MO that these companies operate under is to devise a scheme to coerce consumers into misrepresented contracts and credit agreements and then start the work immediately to circumvent consumer protection laws that allow a customer to cancel a contract within three ( 3 ) days. By starting the work on-the-spot, they are taking advantage of a loop-hole in the law to victimize consumers by locking them into a deceptive ( service performed ) contract before the consumer can detect that they have been scammed. This is especially harmful elderly citizens and unsavvy consumers.
8. The technicians go through the motion of providing the service. Once they believe that the consumer is on the nook, then XXXX XXXX XXXX precedes to charge for the work that was not completed or completely poorly ( as if it was services performed ) hoping that the consumer can not dispute it otherwise. XXXX XXXX XXXX then collaborates with Sears Citibank to modify the terms of the contract to a 20 % -26 % deferred interest arrangement which was never disclosed on the original contract. The consumer is misled and deceived into believing the terms are no interest only to find out later that they have been a victim of a predatory credit card scam. The scheme benefits the credit card companies that participate since it brings them larger credit card transactions with the opportunity to charge outrageous interest charges to unsuspecting victims using other loop-holes in the credit card agreement.
9. Multiple calls to XXXX XXXX XXXX and Sears CitiBank Card Services about the issue results in both entities insisting that the work was done and that the service contract can not be cancelled or disputed. Hence attempting to defraud me out $ 1300+ and using the credit card transaction and credit reporting apparatus to extort money from me and other vulnerable consumers including the elderly.
Background information about the specific incident that sparked the filing of this compliant : 1. The incident occurred on XX/XX/XXXX in XXXX County, MD.
2. In my case, I knew about the deferred interest practice. So I had the salesman add a statement on the agreement that is also including no deferred interest. He was very unwilling to do that. However, he did since he needed to leave.
3. Once the salesman was gone, we detected additional misleading and deceptive issues with the contract and immediately called XXXX XXXX XXXX to cancel the contract which they agreed to do and re-issue a service order for the original work for {$180.00}. This all got finalized just after the technicians arrived but before any work was ever started ; and within hours of when the salesman left.
4. The customer service representative on the phone said that they would cancel the additional work contract and reissue a service order to the technicians already onsite for the original service order of {$180.00} instead of the $ 1300+.
5. The technicians did the service ( that would have cost {$180.00} ) poorly and left without providing a service completion sheet that describes the work that they actually did.
6. The technician phoned in the service order as being completed including the additional work that was never done. By not providing a completion work order acknowledged by the consumer, they can then make the false claim that they did the additional work.
7. The next day, on XX/XX/XXXX I sent XXXX XXXX XXXX a certified letter at their VA office cancelling the contract and reiterating the fact that the additional work was never performed and demanded a refund of the {$1300.00} charge on the Sears CitiBank Credit Card.
8. XXXX XXXX XXXX received the letter and called me to get some information about the problem. We reiterated that the additional work was never done and that the original work was done incompletely. The dry air duct remained clogged after XX/XX/XXXX
9. They agreed to send me the forms to initiate the refund. They also wanted to send a technician out to reassess the dry vent situation which we agreed to. We also reiterated that no additional work was under consideration and that the cancelation of the contract stands. We agreed to allow a technician to come back out to assess the dryer vent only and they agreed to make the refund for the additional charges.
10. The other technician came out on XX/XX/XXXX to revisit the dryer vent issue. He determined that he could not unclog it due to some unknown reason. He then left. A few minutes later he returned stating that his office wanted him to inspect the areas where the additional work ( AC Coil and AC Blowers ) was located. We refused. We considered this a deceptive attempt by XXXX XXXX XXXX to make a false assertion that they did work that was clearly not done. Or to make it appear that this technician came to do the additional work.
11. When we refused the technician access to the area and reiterated there was no agreement to anything other than the dryer vent, they then refused to honor the refund promised ; citing that they stand by their original technicians claim that he did the additional work.
12. A dispute was filed with Sears CitiBank Card Services. The results to-date of this complaint filing is that the charge would stand until XXXX XXXX XXXX decides to refund it ; which implies that Sears CitiBank Card Services is acting as a co-conspirator to this scam by aiding and abetting XXXX XXXX XXXX deceptive practices that victimize consumers.
13. We have phone logs to document the phone calls made to XXXX XXXX XXXX regarding the cancelation of the contract and the dispute about the {$1300.00} credit card charge.
14. We also have security surveillance footage from multiple cameras that clearly show what occurred on XX/XX/XXXX It clearly shows that they did not do the additional work that they are attempting the charge for. This footage can be made available to assist in your investigation. XXXX XXXX XXXX has been informed that this evidence exists that definitively shows the work was never done.
There are potentially 100s if not 1000s of other consumers that may have been victimized by these deceptive practices. We are asking CFPB to assist us in seek restitution for the financial lost, harm and mental stress this incident has cause us. We are asking CFPB to assist in seeking monetary restitution for other victims of this scam and take appropriate action to protection consumers from these type predatory companies and their deceptive practices.
We are also asking the Attorney Generals/District Attorneys in both Maryland and Virginia to consider legal action to protection their citizen from these two entities and other entities that perpetrate these type deceptive practices in their respective States.
CC : Maryland Attorney General Office of Consumer Protection Virginia Attorney General Office BBB Serving Metro Washington DC and Eastern PA BBB of Greater Maryland
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| 02/10/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a joint checking account with Citibank online on XX/XX/XXXX and made a deposit of {$20000.00} in the form of a cashiers check from XXXX at the XXXX branch. On XX/XX/XXXX I made a second deposit, also a cashiers check from XXXX at the XXXX, Virginia branch. I received a receipt from the deposit at XXXX XXXX. The teller that handled the transaction XXXX XXXX.
After noticing suspicious behaviors on my account and a transaction I did not authorized. I contacted Citibank through phone and was informed that the ACH transaction would be returned as insufficient funds and the transaction will be reversed to my account because it was still clearing. My confirmation number is XXXX.
The following day I contacted Citibank to follow up with my phone call from the previous day. I was then informed that the funds could not be returned through that method and that a dispute would be opened. The dispute was then escalated and I was informed it was marked as urgent.
On Monday XX/XX/XXXX provisional credit was issued and I was informed through the phone that I could use the funds however I wanted to during the 10 day investigation.
I visited the XXXX branch that same day to request a cashiers check for the funds in my account. I was then told by the teller that a manager approval was needed to please wait.
While waiting, the manager of the branch decided to take a lunch break and told me that she was waiting for a phone call and that she could not be interrupted during her lunch break. After waiting for her lunch break to be completed, I was told that no cashiers check could be issued until the investigation was completed. No funds. Not even the outstanding amount after the total provisional credit has been subtracted.
Unhappy with her way of handling a client, I informed her I will speak with a manager from a different branch where I did the second deposit ( XXXX branch ). The XXXX branch manager told me even if I went to that other branch that the manager was her friend and would not allow any transactions to take place after they review her notes.
Unsatisfied and disrespected. I visited the XXXX branch which was nearby to a doctors clinic I had an appointment with later in the day.
I received the same run around at the XXXX branch with better service. I was told the manager had placed a block on the account and that the block had to get removed before I could do any transactions.
Out of time that day, I left and decided I would come back the following day. Later that day, I contacted Citibank through phone for an update on the block. I was told the block had been removed at XXXX on XX/XX/XXXX, same day I visited the branch. Satisfied to hear that, I decided I would come back the following day to proceed with my transaction.
On Tuesday XX/XX/XXXX roughly XXXX XXXX I visited the XXXX branch to proceed with my cashiers check. Upon speaking with the branch manager I was told that there was another block on my account and that I would have to wait for it to be removed. I spoke with the manager and the manager informed me that they had to contact another department to have the block removed. I waited about an hour in the branch. After waiting, I was told that the block still was on my account and that it could not be removed at the moment until it was reviewed.
I contacted Citibank again over the phone. Over the phone I was told there was no block on my account and that the funds could be withdrawn from any branch. I asked the rep to contact the branch directly and let them know I was on my way. The rep placed me on hold and then told me if I could go to another branch. The nearest branch was XXXX XXXX. I asked them to be on the phone with me while I walked into the branch to get a cashiers check. The rep waited and I was able to walk in, request the cashiers check and get approval from a manager since the totals exceeded the tellers limit.
After I had the check, I was on my way back home. About 30 min after leaving the branch I received a phone call from the same teller telling me that she accidentally voided the check and to please come back so she can issue me a new one right away.
I went back to the branch, with the check ( pictures of the check attached ). The bank teller asked me if she could look at the check and then told me she could not give it back, that the account had been blocked. I was lied to, set up in a situation to return a check as if I was going to steal it. I was embarrassed, humiliated and can not describe how I felt. I informed the manager of the XXXX XXXX branch that I had my passport as additional verification of identity in addition to my valid state drivers license, phone number that I used to set up my account, multiple cards on my name from other banks and even vehicle registration if requested. At that point there is no additional documentation I could provide to verify my identity.
During my trip to the branch and multiple phone calls to Citibank, I was asked to verify answers to questions to validate my identity. I answered correctly to all those questions multiple times so they could pull up my account. Answers no one else would know.
The issuance of the cashiers check just disappeared from my account ( see attached screenshots before/after ). During my visit to the XXXX XXXX branch the manager asked me to verify maiden name. I answered correctly and even showed him the screenshot I took of the answer to the question from when I opened the account. He sent me multiple texts to my cellphone to verify a code and I even showed it to them while I was receiving those notifications. I was told it wasnt enough and that my account had a block. I was not instructed on what to provide or any steps besides waiting to have the block removed.
With the branch managers not wanting to help, I had no choice, but to give up and go home. On my way home, I contacted Citibank again and was told that there was no block on my account. I didnt know what to do or who to call, I was being restricted of my funds from 3 branches. After logging into the app I decided to add my XXXX account as a payee and create a wire transfer request. I placed the request at roughly XXXX before the cutoff time. The wire showed up on my account and the amount of the wire deducted from my balance. I figured it would post and get processed overnight.
The next day, Wednesday XX/XX/XXXX I noticed the transaction had posted to my account and I contacted Citibank for a follow up. I was told that the wire was on hold pending verification which required me to verify a number on my cellphone which I did. I was then told that the wire would get processed within the next 1-2 hours after review, that the initial cashiers check had to get verified by Citibank. I waited a few hours and decided to contact Citibank again for an update. During my last phone call I was told that my account has been closed and no information could be provided to me about the closing balance or how I will be returned my funds. I was told that I could not be provided with that information, even if I visited a branch. At one point I was told I had to verify a pin and that my cellphone provider could not receive the messages, I have XXXX. I was told to contact my cellphone provider.
Frustrated, I visited the XXXX branch about the 2 checks that Citibank is saying need to be verified earlier in the day. The branch manager from the XXXX branch in XXXX, VA contacted Citibank and told them that the checks are legitimate and have already been cashed by Citibank. He told them they where cashier checks and he even remembered when I went into the branch to request them. I have had an account with them for years. The representative on the phone told him that they suspected the checks to be fake. It has been a week since I deposited them, even the branch manager who issued the check is verifying them and I have gone to 3 different branches.
I now have no one to contact. When I call Citibank I just get told to hold and then the call is dropped. I have included screenshots of all my calls. I have spent so much time trying to get my money back, I have been willing to provide any form of documentation to verify my identity and I keep being treated like I am not the person who opened the account. Now my funds wont be returned to me and my life savings are being held by a bank who doesnt want to allow me any way to recover them.
These are cashier checks from a respected bank who has already verified they issued the checks. So much time has been allowed for the bank to verify the funds. I have provided multiple forms of verification on my identity.
I need help immediately to recover my funds. I went back to the falls church branch in good faith that the cashiers check they issued me was voided by mistake. I was lied to and tricked into a very uncomfortable situation. I cant even contact the bank to discuss options. Its unbelievable. I need my money to pay for bills and have had to take time off work to handle this. Please contact me as soon as possible.
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| 10/07/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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RE : XXXX Claim Numbers : XXXX & XXXX Dear Citibank Executive Response Unit., XXXX XXXX XXXX and XXXX XXXX XXXX Updates : 1. You recently refused to answer to my Consumer Financial Protection Bureau complaint number XXXX based on my wife being listed as a point of contact in my CFPB complaint since you stated she was not on my account due to privacy concerns. I am now submitting a new Complaint with the CFPB.
2. As my original complaint detailed, on XX/XX/2020 I opened yet another claim with the Executive Response Unit ( claim reference number : XXXX ) it was assigned to XXXX XXXX. I requested specifically to have someone please contact me but did not receive any calls. On XX/XX/2020, I followed up with the XXXX and requested to speak to Ms. XXXX. At that time she informed me that they had received my compliant, she had not yet started her review, and that she has time to respond but was not able to provide me with anything further at that time. I have not heard back from Citibank as of today ( XXXX ).
Here is my original complaint in full datedXX/XX/2020 as sent to you via e-mail : This letter is to provide notice that I am now seeking help from the New York Banking Commission, the Federal Deposit Insurance Corporation, and the Federal Trade Commission. I will be filing complaints with each of these consumer protection agencies in addition to any other consumer protection agencies that will investigate this matter regarding your repeated denial of my {$3000.00} claim for an unauthorized Teller Cash withdrawal that was made from my Citibank Savings account without my permission and your failure to investigate my claim thoroughly despite numerous attempts.
I have been attempting to resolve this matter with Citibank since XX/XX/2020 and opened numerous claim numbers providing all of the requested information. Citibank has repeatedly disregarded my claims, I have been provided with inconsistent information regarding the location of the fraudulent unauthorized cash withdrawal, and Citibank has been unresponsive to my numerous attempts to get clarification and justification for the denials. This unauthorized Teller transaction was done without my permission at a Citibank Branch via your Teller and I would like to see all of the documentation, location information, withdrawal slips, signatures, as well as any forms of identification ( s ) that were utilized.
I still have my Citibank Debit Card in my possession and have been this entire time, I have never given it to anyone to use, and I have never shared my personal identification number with anyone. I have never used any Citibank Branches in XXXX nor have I ever used any non-Citibank ATMs. This can be easily seen by a review of my account activities - I have been a long-standing customer of Citibank for 17 years with my accounts opened since XXXX. Your explanation that the video surveillance is not clear therefore you can not clearly identify the person conducting the transaction is simply unacceptable. Your videos should show that I was not the one who was standing at the Teller conducting that transaction.
On XX/XX/2020 at XXXX I was at the XXXX XXXX XXXX XXXX XXXX and made a ATM cash deposit to my Savings account using my debit card. On the same day (XX/XX/2020 ) at XXXX, a {$3000.00} unauthorized Teller cash withdrawal was made from my Citibank savings account ending in XXXX at a Citibank Branch via teller # XXXX. Based on the information Citibank provided me via telephone customer service this withdrawal was done at a Citibank Branch in XXXX, NY. The Branch Manager at the XXXX XXXX Branch who has attempted to assist me on multiple occasions in escalating this claim also confirmed that the Withdrawal was done at a Citibank Bank Branch in XXXX, NY. I have requested on multiple occasions to be provided with the exact location and both Customer Service and the Branch manager refused to provide me with this information stating that they were not able to disclose the information to me.
I became aware of this unauthorized teller cash withdrawal transaction in XX/XX/2020when I went to the XXXX XXXX Branch to withdraw funds via the ATM and noticed that my savings account balance was low and missing money. I immediately reported the unauthorized withdrawal that day in the XXXX XXXX Branch. The Branch advised me to open a new account and keep my old account ( ending XXXX ) open but blocked/frozen while the unauthorized withdrawal was investigated.
In a letter dated XX/XX/2020, I was informed that the forgery fraud claim number XXXX was denied since Citibanks investigation found that my card was used as a form of identification at the time of withdrawal using my personal identification number. I called customer service immediately after receiving this denial letter and requested that the case be re-opened. I was sent documentation to complete and return which I did promptly. I followed up to ensure that everything was submitted and I was informed that they did not receive the documentation. The next day, Saturday, I went to the XXXX XXXX Branch to inquire about the missing information and showed the letter. The Branch manager assisted me in calling customer service and they informed him that they had all of the documents necessary and were still investigating my claim.
I received a subsequent letter dated XX/XX/2020 which was identical to the previous denial letter stating the same denial reason : my card was used as a form of identification at the time of withdrawal using my personal identification number. I called customer service again to re-open my claim and ask if I could speak to someone or provide additional information. I received a subsequent letter dated XX/XX/2020 indicating my claim was denied based on no new information received or discovered that would change the denial reason.
I went to my local XXXX NYPD precinct in XXXX, NY sought assistance with the repeated denials I received from Citibank. They took my information and filed a police report to report the unauthorized transaction Police Report Confirmation Number : XXXX.
OnXX/XX/2020, between XXXX XXXX EST I called customer service 4 times in an attempt to re-open my claims and speak to someone in order to obtain detailed information regarding the denials. Each time I was connected to an agent the call would disconnect 1-2 minutes into the conversation and I did not receive any call backs.
OnXX/XX/2020, starting XXXX EST I began calling customer service and was disconnected 5 times before I was finally connected to the Executive Response Unit and was able to create a new claim to investigate the unauthorized Teller Cash Withdrawal with the Executive Response Unit claim reference number : XXXX assigned to XXXX XXXX . I attempted to contact XXXX XXXX on multiple occasions but was told she was in meetings and unavailable. She has never returned my requests for a call. I have most recently received another denial from Citibanks Executive Response Unit following my claim created on XX/XX/2020.
OnXX/XX/2020 I opened yet another claim with the Executive Response Unit ( claim reference number : XXXX ). I requested specifically to have someone please contact me so I can explain the situation in detail and so that they can review the prior investigation notes.
I am writing this letter because I did not receive a satisfactory response to any of my prior contacts with Citibank Customer Service or Citibank Executive Response Unit. I have never experienced a situation like this before and truly felt that my account and savings were safe as Citibank is a very well-known and reputable bank. I immediately reported this fraud on my account upon receiving my account statement and have been trying to resolve this matter since XX/XX/2020. I understand the impact on business operations and delays caused by COVID-19 ; however, I am extremely disappointed in the level of customer service and lack assistance I have received so far. I am upset that my requests to speak to someone regarding my claim has been disregarded. I do not think Citibank has done the appropriate due diligence with respect to my claim and they have not looked into the activity across my accounts especially the ATM cash deposit that I made on the same day the unauthorized withdrawal was conducted. I am the only provider in my household and the funds in my savings account are hard earned. I am devastated that someone was able to go into a branch and steal funds from my account. I do not feel confident that my hard earned money is safe with Citibank based on this experience. The lack of detail and explanation relating to the denials and the reason provided that video surveillance is not clear is simply unacceptable.
To resolve the problem, I would appreciate your assistance in getting my money refunded. As I have communicated to you on numerous occasions, I am happy to provide any additional detail, documentation or information needed via telephone, mail or email. I look forward to your reply and a resolution to my problem.
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| 09/04/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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Web |
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( This information is reproduced in a better format as an attachment, below. ) To whom it may concern : Citi has wrongly accused me ( XXXX ) of violating the terms of my account, presumably due to alleged fraud, and is holding $ XXXX hostage against our will. This is almost our entire life savings, which we have been saving to use as a down payment for a house ( we would be first-time homeowners ). Despite hours of discussion, Citis customer service representatives will not give us any additional information about why Citi has taken this action and have promised no more than that our funds will be returned after 60 days. Accounts from similar customers online say that Citi does not always honor this 60-day timeline, and often holds the money indefinitely.
We are frustrated and angry about this entire ordealand frankly we are scared to death as we feel like two powerless, relative nobodies ( a XXXX and a XXXX at a small manufacturing company ) staring into the face of an uncaring, multi-trillion-dollar corporation. They are keeping our hard-earned money for who knows how long, and they are telling us there is nothing we can do about it.
We allege that Citis behavior in this matter is itself unethical and violates their agreement with customers. We request that the full amount of our funds, complete with all accrued interest, be returned within five business days ( XX/XX/2023 ) so that we can move forward with a potential purchase of a house ( should we find a good option ).
We are asking for your help in resolving this matter. A full account of our experiences can be found below. I ( XXXX ) handle most of our financial matters and am the best point of contact. We both work full-time, but we can make ourselves available at the same time if needed since XXXX name is the one on the account.
Sincerely, XXXX and XXXX XX/XX/2023 THE DETAILED ACCOUNT We have been saving money diligently for a house down payment for the last five years. I ( XXXX ) received a mailer from Citi in XXXX advertising the Citi XXXX XXXX XXXX account. We signed up, closed our old XXXX XXXX savings account, and began the process of trying to move $ XXXX into the XXXX XXXX XXXX account .
Because Citis ACH transfer software was not compatible with XXXX XXXX, we had to use our account at XXXX XXXX XXXX as a go-between. The process of closing the XXXX Account, depositing the check into our XXXX XXXX XXXX account , and waiting for it to clear took nearly a month. I ( XXXX ) was cognizant that this delay had already cost us a significant portion of the perks promised by the Citi XXXX XXXX XXXX account due to lost interest. We were XXXX to re-start interest accrual as quickly as possible.
Wed, XX/XX/XXXX Once the check from XXXX XXXX cleared our XXXX XXXX XXXX account , we logged into the Citi account and attempted to transfer the full $ XXXX from XXXX XXXX XXXX to Citi. However, Citis software has a $ XXXX monthly transfer limit. We decide to transfer $ XXXX and postpone the final $ XXXX until XXXX.
Thu, XX/XX/XXXX The initial $ XXXX transfer goes through.
Sat, XX/XX/XXXX We logged into the Citi account to see if it would let us transfer the remaining $ XXXX. We were not sure if the per-month limits were enforced by a 30-day waiting period, or if they were monthly totals. Since we made the initial transfer in XXXX, and it was now XXXX, we thought we might be able to transfer the rest. Upon reaching the transfer origination page, we were given a message that Citi was in the process of upgrading their software and was limiting all deposits to XXXX XXXX/day. This was annoying, but we did not think it was a problem. We setup four consecutive $ XXXX transfers to be processed Mon-Thu of the following week. Citis software allowed us to set these up without any issue.
Mon, XX/XX/XXXX The first of four $ XXXX transfer goes through. I ( XXXX ) receive a confirmation email.
Tue, XX/XX/XXXX I ( XXXX ) receive an email that the second $ XXXX transfer has been cancelled. No reason is given.
Wed, XX/XX/XXXX I ( XXXX ) receive an email that the second $ XXXX transfer has been cancelled. No reason is given.
Thu, XX/XX/XXXX I ( XXXX ) receive an email that the second $ XXXX transfer has been cancelled. No reason is given.
Fri, XX/XX/XXXX I ( XXXX ) receive an email with the following verbiage : Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your Citi XXXX XXXX XXXX account, we found that you have violated the terms of your account per the client manual.
As a result, your Citi XXXX XXXX XXXX account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately.
Sun, XX/XX/XXXX Because I ( XXXX ) left town on Sat, XX/XX/XXXX and did not return until Fri, XX/XX/XXXX, we did not notice the email from XX/XX/XXXX until Sun, XX/XX/XXXX. We immediately called Citi, but their fraud customer service department was closed.
Mon, XX/XX/XXXX We called XXXX, Option XXXX, and were on the line for 37 minutes. During this time, we spoke to the lowest tier customer service, who escalated our request to the second tier customer service. We spoke with a representative named XXXX. She tried connecting us to the third tier customer service, a US supervisor, but that person ( XXXX ) was unavailable. They promised to call us back by XXXX EST. They would not provide any alternative means of following up except to work through the phone support tree again.
Citi did not call us back that evening.
Tue, XX/XX/XXXX Citi called me ( XXXX ) while I was at work, in the middle of XXXX an English class at my high school. I was unable to answer. We called Citi after work and had to start at the bottom rung of support again, though we were quickly elevated to the second tier of support. As with the previous night, they were unable to find a US-based supervisor with whom we could speak. They offered to connect us with a third-tier supervisor abroad, and we accepted.
We spoke with XXXX ( user ID : XXXX ), a Supervisor of Deposit Risk, at the third tier of support. She, like all the other supervisors, refused to give us any additional information about why our account was closed, whether there was fraud ( we were concerned about identity theft ), and if we had any option to recover our life savings sooner.
After some time, she connected us with her manager, XXXX, whose title was Manager of Deposit Risk, and who was the highest level of support in that department. We spoke with XXXX at length. He was sympathetic to our plight but gave us no additional information. He only promised that the funds would be returned within 60 days. XXXX confirmed that no one in the customer service department would be able to either ( a ) reverse the account closure, or ( b ) return our life savings sooner than 60 days. The call lasted 1 hour, 22 minutes before we finally gave up, exhausted.
Wed, XX/XX/XXXX Unable to find any recourse from Citi, we scoured the internet to see if other customers had encountered the same scenario. It turns out that we were very much not alone. Even more frighteningly, a cursory XXXX search of online discussion forums has convinced us that Citi often stretches this 60-day window into much longer time periods.
At present, we now find ourselves separated from our life savings, unable to provide proof of funds ( much less payment ) for a down payment for a house, and wracked with XXXX and fear. We are reaching out to you for assistance in convincing Citi to release our funds immediately so that we can move on from this mess.
ADDENDUM : ON ALLEGATIONS OF VIOLATION OF TERMS/ FRAUD Friends of ours who have worked in financial sectors have told us that it was likely the consecutive $ XXXX deposits that tripped Citis fraud filter. Neither of us have experience in this field. To us, it seems incredibly natural to use consecutive deposits in the scenario in which Citis software has provided such low transfer limits.
If suspicion of fraud is truly Citis concern, we can provide ( 1 ) statements from XXXX XXXX XXXX showing monthly direct deposits from our places of employment going back five years ; ( 2 ) statements from XXXX XXXX XXXX showing transfers to XXXX XXXX ; ( 3 ) statements from XXXX XXXX showing transfers from XXXX XXXX XXXX and closure of account ; ( 4 ) a statement from XXXX XXXX XXXX showing a check deposit for ~ $ XXXX from XXXX XXXX. This chain of documents would prove that the full $ XXXX in question was earned through gainful employment and has always been held in bank accounts in our name. We should note that we offered all of this to Citis customer service representatives, and they were not interested.
We also offered to disclose to Citi the IP addresses and computer hardware IDs that we used to login to citi.com, so that Citi could cross-reference our activity with any potential third-party access that we are not aware of.
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| 07/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Citibank widely promotes individuals to open banking accounts and fulfill requirements in exchange for cash bonuses. On XX/XX/XXXX, I opened such a checking account, subsequently maintaining {$50000.00} on deposit for sixty days with the expectation of receiving a {$700.00} bonus. Also on XX/XX/XXXX, I opened a Citibank savings account, subsequently maintaining a sixty-day {$10000.00} balance for which I expected to receive a {$100.00} bonus.
Having satisfied requirements of savings and checking promotions, I initiated electronic withdrawal of {$58000.00} on XX/XX/XXXX. I intended to leave {$1500.00} on deposit to keep both accounts open and free of monthly service charges. Citibank immediately blocked the transfer, froze the accounts, and deactivated my online credentials. Upon realizing Citibanks actions, I placed numerous calls to customer service. I was advised that Citibanks Fraud Department had received an alert for which it would be conducting a review. Citibank representatives ( via account services and the fraud department ) refused to provide any detail surrounding the alleged fraud alert. Furthermore, they could not explain why I was not contacted about any suspicious activity on my accounts. I continued to call Citibank over the next few days only to be promised return calls from supervisors who never called. Representatives eventually started replying to inquiries by reading a prepared statement and then abruptly ending calls. That statement advised that Citibank had unilaterally closed my accounts and severed our banking relationship. The statement provided neither any reason for the action nor any explanation for not consulting with me.
I called Citibank Headquarters on XX/XX/XXXX. I eventually spoke with a representative of Citibanks Litigation Support Department who referred me to Citibanks Executive Response Unit. I e-mailed my first complaint to that unit on XX/XX/XXXX. Upon request, I submitted bank records showing the source of the {$60000.00} that was frozen across my checking and savings accounts.
On XX/XX/XXXX, an Executive Response Unit representative advised that Citibank had reversed its decision to close my accounts and access was restored to my {$60000.00}. At that same time, the representative advised that the {$700.00} bonus was credited to my checking account given my fulfillment of promotional requirements. However, the representative advised that I was ineligible for the savings account bonus, citing that concurrent promotions were disallowed. I subsequently submitted a copy of the savings account promotion to the Executive Response Unit.
On XX/XX/XXXX, an Executive Response Unit representative reversed the assertion that concurrent promotions were not allowed. My savings account was therefore credited with the {$100.00} bonus.
On XX/XX/XXXX, I requested that Citibank compensate me for the several hours I spent resolving problems not of my making. I also requested compensation for lost investment opportunities due to Citibank freezing my {$60000.00} without proper cause and notification.
It should be noted that there was no legitimate reason for suspicion, no less a fraud alert, and much less closure of my Citibank accounts. My attempted withdrawal of funds on XX/XX/XXXX was bound for the same external account used to fund the accounts. That external account had already been vetted by Citibank.
On XX/XX/XXXX, the Executive Response Unit denied my request for further compensation. In doing so, it cited, Upon review of your concerns, our Fraud Unit was engaged regarding what transpired. They advised that a review of the account was initiated and your account initially blocked on XX/XX/XXXX. The purpose of the review is to identify and prevent fraud related transactions form [ sic ] occurring on your account. The process and review, protects our customers as well as the bank from potentially fraudulent activity and financial loss. Our Fraud Unit verified the account activity and the block was removed on XX/XX/XXXX.
It is noted that Citibanks response is not reflective of what actually occurred. Citibank froze my accounts on XX/XX/XXXX, as evidenced by the blocking of my withdrawal. By XX/XX/XXXX, Citibank had already decided to close my accounts. That fact is documented in a letter mailed to me by Citibank on XX/XX/XXXX. That letter featured the following statement : Based on a recent review of your Citi Accelerate Savings account, we found that you have violated the terms of your account per the client manual. As a result, your Citi Accelerate Savings account and any other Citi accounts you have will be closed within 60 days of this communication.
On XX/XX/XXXX, I spoke with a representative of Citibanks Executive Response Unit. I asked for clarification of the terms of ( my ) account that I was accused of violating leading to closure of my accounts. In response, the representative asked whether I had read the Client Manual for Consumer Accounts. She then clarified that Citibank may close any account for any reason. I countered that such explanation was insufficient as I had been repeatedly accused ( in writing and via phone calls ) of having violated account terms. The representative was unable to provide any basis for the alleged violation. At that same time, I asked why Citibank did not contact me in the event of any concern about my accounts. The representative advised that the letter, dated XX/XX/XXXX, served as my notice. That answer was confounding as Citibank had already decided to close my accounts by its mailing.
The following is a chronology of my beliefs as to Citibanks motives : - I believe Citibank introduced a fraud alert on my accounts to introduce rationale for closing them, thereby disqualifying me from meeting the final requirement ( accounts must remain open until bonuses are posted ) to receive promotional cash bonuses.
- I believe Citibank was not proactive in contacting me because I could have readily resolved any allegation of suspicious activity on my accounts.
- I believe Citibank closed my accounts in attempting to not pay cash bonuses.
- I believe Citibanks Executive Response Unit attempted to lend credibility to a contrived fraud alert by requesting external banking records substantiating original funding of my accounts.
- I believe Citibanks Executive Response Unit reversed its decision to close my accounts only as a result of the hours I spent advocating on my own behalf.
- I believe Citibanks Executive Response Units reversal of its decision to close my accounts reflects the impropriety of Citibanks original action.
- I believe Citibanks Executive Response Unit purposely misrepresented terms of its savings promotion after acknowledging that I met requirements of its checking promotion.
- I believe Citibanks Executive Response Unit conceded that I met requirements of the savings promotion only because I submitted indisputable proof of terms.
- I believe Citibanks Executive Response Units reversal of its decision to disqualify me from the savings bonus reflects the impropriety of its previous assertion.
- I believe Citibanks Executive Response Units XX/XX/XXXX written response purposely misrepresented facts in attempting to explain the impropriety of Citibanks actions. Furthermore, that statement contradicted information communicated in a Citibank letter dated XX/XX/XXXX.
- I believe Citibanks Executive Response Units inability to specify how I violated terms of my accounts ( as repeatedly alleged via letter and phone calls ) reflects impropriety in Citibanks justification for closing my accounts.
- I believe Citibanks Executive Response Unit resorting to the assertion that any account may be closed, for any reason, reflects the impropriety of Citibanks actions.
In conclusion, I believe that Citibanks token concessions, reversal of actions, misrepresentation of facts, scrambling for explanations, refusal to consult with accountholder, and invocation of contrived justifications all represent insincere dealings with customers such as myself. Search of the Consumer Financial Protection Bureau database indicates no lack of similar complaints filed against Citibank. I continue to monitor social media outlets that are also rife with such complaints. I am concerned that Citibank appears committed to a pattern of deceptive marketing and business practices surrounding its promotional savings/checking accounts.
I am prepared with further testimony and physical evidence surrounding this complaint. For the time being, I am attaching the following documents : Citibank letter dated XX/XX/XXXX, e-mail sent to Citibank Executive Response Unit on XX/XX/XXXX, e-mail sent to Citibank Executive Response Unit on XX/XX/XXXX, e-mail sent to Citibank Executive Response Unit on XX/XX/XXXX, Citibank Executive Response Unit statement dated XX/XX/XXXX, e-mail sent to Citibank Executive Response Unit on XX/XX/XXXX, and Citibank Executive Response Unit statement dated XX/XX/XXXX.
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| 11/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have been dealing with a very large dispute with Citibank and with an unlawful merchant in XXXX, XXXX since XXXX, 2023. In summary, I was manipulated to go into a storefront in XXXX, purchased one silk carpet for {$4500.00} and asked the merchant to hold XXXX other carpets for me while I travelled home to the XXXX to give me an opportunity to think about this very, very large purchase. These carpets were to be heirlooms for my daughter as I am XXXX and have XXXX XXXX. Once I arrived home, I paid for and had him send me those specific silk carpets he put aside for me. I received them and stored them in my garage unopened until I realized they were attempting to extort money from me. Once it hit me what they were trying to do, I then opened the packages to find they sent me cheap carpets, made of wool NOT SILK, and not even the same colors. I then asked for a refund and eventually the merchant agreed ( I have that specific XXXX text ). I initially asked that they please take back these carpets and send me the carpets I actually ordered, have a picture of and clearly had them hold for me. They refused. I want desperately to return these cheap wool carpets worth practically nothing and get my XXXX back from these scammers.
I sent a XXXX page color document to Citibank via regular mail so both Cards dispute teams could physically see the DIFFERENT COLORS AND TEXTURES of what I ordered vs. what was delivered. As I understand it, when this document is scanned in, it turns to BLACK AND WHITE. In looking at the scanned document, Citi can not distinguish the COLORS. This makes for a difficult time actually SEEING what I ordered vs. what the vendor delivered. It is the most simple and clear case of bait and switch. I have spent hundreds of hours on a recorded line and sent in hundreds of pages of documents proving that I was deceived, scammed, and being taken advantage of, likely because of my age and XXXX.
Citibank refuses to accept videos. I have a staged video of this merchant pretending to have his store shut down, in line with his story of tax evasion and imprisonment that he was being prosecuted for and threatening me trouble with our government if I didn't pay him {$81000.00} immediately. For nothing. This was his bold move at scamming me for EVEN MORE MONEY since he knows I'm XXXX. Citi won't accept my video from them proving what I have been saying since XXXX. Why?
I have no idea how Citi continues to deny me protections against such blatant fraud. It seems like the initial calls in in XXXX, 2023, someone filed this case as a " return issue '' case. It isn't about a return. It's about the merchant sending cheap substitute carpets to scam me out of {$100000.00}. It is a clear case of " bait and switch ''. The merchant " befriended '' me and fully manipulated me to trust them. Knowing I am XXXX, they pulled this scam on me. I paid alot of money and they sent me alternate carpets of significantly less value. I believe they did so knowing my health history and knowing I have no time to fight a battle with them. I have made literally hundreds of calls into Citibank for both accounts, spent hundreds of hours on a recorded line sharing the exact same information time and time and time again, sent the same proof over and over again, and still Citi has continued to refuse to have the merchant refund me. I'm old, I have XXXX XXXX XXXX XXXX am XXXX, and have many other medical issues outside of XXXX that I'm dealing with which are worsening due to the stress of this dispute, and I have clearly been taken advantage of by this merchant because of my obvious vulnerabilities. And Citi is doing nothing to help. I have contacted the FBI and filed a report. I have contacted econsumer.gov and filed a report. I need this money back. I need these carpets gone. I need this settled properly for myself and my XXXX year old daughter before I go.
I have sent hundreds of documents to Citi, it's all there yet still they aren't doing the right thing.
The entire basis of my dispute for all of these charges is that the merchant sent me carpets that I did not choose. They sent me WOOL carpets, Citi has the pictures from my garage, not the pink and blue SILK carpets I have shared in that one picture ( they are behind the scale ). That picture is all I have as proof of what I actually wanted sent to me when I returned to the XXXX. If I received what I actually had the merchant hold for me, I would NOT BE DISPUTING ANYTHING. This is not a case of, I dont like what they sent. Its a case of, They sent me something other than what I ordered.
There is no question I wanted these silk pink and blue carpets in the attached photo sent with all of my other documentation. I believed, when I gave them all of this money, that I was paying for those pink and blue carpets specifically. I made the mistake of TRUSTING the merchant to send me the carpets we discussed and agreed upon when I was inside the actual store. The merchant and I confirmed this on several XXXX phone calls ( I have the proof of this also on my app/phone ). When the packages arrived here, I stored them in my garage, unopened, again TRUSTING they sent me what we had agreed upon in person and on multiple phone calls. I did so because I was in the process of getting hardwoods put into my home ( and carpet removed ) and was unsure where to put each of them post hardwood installation. I stored them in my garage fully packaged, unopened as I have shown in pictures. I only went to open all of the packages once I realized they were clearly trying to manipulate me into giving them money for nothing and threats and videos of the owner going to jail for some type of tax evasion story. I opened the packages and found out they were cheap wool carpets, NOT the ones I had selected when I was in the store. I immediately went to my local police department and to the FBI ( you have the original report to the FBI and the business card of my local police department. ) As I later learned, the merchant then FRAUDULENTLY USED MY CREDIT CARD RECEIPT, INVOICE, and SIGNATURE FROM THAT ONE IN STORE PURCHASE and the one credit card transaction prior to leaving XXXX, to send a few silk carpets, TO FRAUDULENTLY COPY IT AND MY SIGNATURE to supposedly invoice me for the next shipments to my home. I NEVER SIGNED ANYTHING after that {$4500.00} in store purchase and in-store deposit on the additional carpets AND I NEVER RECEIVED ANY ADDITIONAL INVOICES OR RECEIPTS as they have claimed. There were only wool carpets with no documentation whatsoever and not the carpets I had clearly selected. As you can see, on their invoice to you, they later put in carpet codes that matched what they sent me, NOT the codes for the carpets I asked them to hold for me and send once I was back in the states. I was told the paperwork would come with the shipments but they didnt. Now I see why. They are not what I ordered.
This " bait and switch '' routine that is the basis for every one of these disputes. In the Sales Contract from XXXXXXXX XXXX ( interesting it isn't from XXXX XXXX XXXX where the charge was sent and I never stayed or even knew about ) you can see in their handwriting AFTER I filled out the form, the numbers were later put in. These false numbers are XXXX, XXXX, and XXXX. They simply copied my signature from the one I actually provided when buying the {$4500.00} carpet and fabricated FAKE invoices/receipts with my actual signature from my first purchases! I'm guessing the reason they didn't put the product numbers in was because of their plan to switch out the silk carpets with cheap wool ones and use those numbers to make it look legitimate.
I see there are another set " carpet numbers '' on another invoice they made up/produced : These numbers, they say are XXXX, XXXX, XXXX, XXXX. Again, these numbers were produced later, when I was home in the XXXX. I ordered XXXX carpets to be delivered, why are there XXXX now according to their invoice? A mistake clearly on their part. The lies are stacking up.
Between this man and his nephew, I have hundreds of texts as evidence of me asking for them to take these carpets back and send me what I ordered. After they attempted to extort me for {$81000.00} USD ( see XXXX Texts ), I no longer wanted the actual silk carpets I originally had them hold for me and wanted them to take their wool carpets back and refund me all I had spent. I kindly asked for a refund at that point. The owners response was, No way. Once this happened, the nephew deleted 90 % of the texts messages that I had previously screenshotted as I began to get the sense they were scamming me. He wanted NO EVIDENCE of the bait and switch, and extortion messages they sent. Im happy to show you the texts that prove that he deleted everything as soon as they realized I wasnt going for their scam.
I have literally hundreds of documents that sent to Citibank. They are all there. Please lmk if you need me to send those.
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| 03/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/2021 I applied for online and was approved for a CitiBank American Airlines AAdvantage credit card. After being notified of this online, it took approximately 11 days to receive my card in the mail and to be able to start using this credit line. That was on XX/XX/2021. I activated my card on the official CitiBank app for XXXX and I noticed that my phone number was listed as XXXX instead of correctly as XXXX. I corrected it in the app and was notified there that the changes had been accepted. I then began to shop with the card. After a few purchases at local stores, my card was suddenly declined when I attempted to make a purchase.
On XX/XX/2021 at XXXX hours, I called the phone number listed on the card ( XXXX ), I entered my card number, I answered the security question I was greeted with, and I was transferred to a representative who told me they had to verify my identity. They asked for my phone number and I told them XXXX. They said that they could not verify my identity with that number. When I asked why they could not provide any explanation. They asked me for another phone number such as a family member 's phone number. I gave them my wife 's phone number, XXXX. They told me that my identity could not be verified with this number either and asked if I had any other random phone number. I told them no and that this did not make sense to verify my identity. I asked if I could verify my identity in any other way and they told me no. I asked for a supervisor and after resistance by the representative, I eventually was transferred.
The manager went through the same exact verification process and denied me in the same exact way. I asked if there was any other way to verify my identity and they told me no. They told me that they would have to verify me in person by sending me an access letter in the mail. I asked if they could expedite this letter and they told me no and that it could take up to several weeks to arrive. I asked if there was any other way to be able to make purchases with my card in the meantime and they told me no.
Around approximately XXXX hours that evening, I tired to login to my account in the app and was not able to login. After entering my login credentials, I greeted with a message to immediately call XXXX. I called the number,, entered my last four digits of my card number, gave my personal question answer, and again the representative could not verify me by using my phone number and had no other way to verify my identity.
A few days later, I visited a Citibank branch location at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I spoke with a banker there who told me there was nothing they could do regarding Citibank 's credit cards and that their in-person services without a Citibank checking or saving account were limited to paying my credit card balance only.
On approximately XX/XX/2021, I was contacted by a Citibank representative by phone ( XXXX ) and they explained to me that my account had now been unlocked and that, should I have issues verifying my identity in the future, I could use the reference number XXXX to gain access to my account or use the verification letter that had been sent to me by mail.
I received a response to my original complaints with the XXXX, CFPB, and the California Attorney General 's office with an email from the Citibank Executive Response Unit. This letter explained that they had restored my access to my account. It also explained that they already provide an additional 2 weeks for their members to fulfill their sign-up bonus offer spending requirements on this card to offset the time the card would take to arrive by mail. They declined to give me any credited extension period to fulfill my sign-up bonus spending requirements.
I never ended up receiving any letter from Citibank by mail.
On XX/XX/2021 at approximately XXXX hours, I repeatedly attempted and was declined purchases on XXXX. I called in to the card support number ( XXXX ) and I was able to verify account access with a text message code sent to my phone. The representative was then able to approve my purchase when I reattempted it while on the phone with them. I also informed that representative that I intended to make a large purchase for over {$1600.00} to a Tennessee XXXX facility within the next day or two. The representative stated that they would put a note on my account for a large purchase intention and that it would be good for 3 days. They also guided me in the online portal for my Citibank account to where I could put in such requests myself in the future.
On XX/XX/2021 at approximately XXXX hours, I received a call from the Tennessee XXXX facility and attempted to pay my bill with this Citibank card. The purchase was declined.
On XX/XX/2021 at approximately XXXX hours, I called the Citibank customer support number for my card ( XXXX ) and spoke to a representative. I could not understand her broken XXXX well and the connection was bad but, from what I could make out, she could not verify my account using my phone number or by any other method over the phone with her. I hung up and called the same number back. This second representative echoed the same advisory. I informed him of the reference number ( XXXX ) I had been issued should I have trouble gaining access to my account. He told me that he had no record of any such reference number. I advised him of the email response I had gotten from the Citibank Executive Response Team and the various reference numbers listed there and he advised me that this could not help me to verify my identity to gain access to my account. He said that he would have to send a letter to me by mail and that it would take 5 7 business days to arrive.
On XX/XX/2021 at approximately XXXX hours, I called back and requested an XXXX representative since the ones I had spoken to the previous day who had given me account access had an American accent. The representative I was transferred to told me that since a mail verification had been requested, there was nothing he could do for me at that time. I informed him of the various reference numbers and the email from the Citibank executive team and he informed me that this could not change anything and that there was nothing he could do for me.
Due to the fact that it has now been approximately one month since my first mail verification request letter was supposedly sent out, I am extremely skeptical that I will ever get said letter.
On XX/XX/2021 at XXXX hours, I called back the number of the Citibank representative who called me to inform me that access to my account had been reinstated ( XXXX ). Nobody answered and there was no voicemail so I reattempted 8 more times in a row. Still nobody picked up.
On XX/XX/2021 at XXXX hours, I called the Citibank Executive Response Team number listed on the email that I had received from them ( XXXX ). Nobody answered after I was placed on hold and I was transferred to a voicemail informing me that I was calling during their actual business hours but the voicemail told me to call back during their normal business hours. I left a message stating my intent to file a complaints with the FDIC, XXXX, CFPB, and California Attorney General 's Office should I not hear back within an hour or two from them. At the time of this submission, I have still not heard back from them.
When I log into my account online, there is no way to clear the fraud alert through the online portal and I am advised to call the number above. I am alerted that my account access is limited until this fraud alert has been cleared.
The sign up bonus offer for this card is that I have to make {$2500.00} in eligible purchases within the first 90 days of opening the account. My account has now had charges denied a total of 6 times in the period of 17 days. I have now twice been limited in my account access and banned from using my own card with no functional working way to be able to verify my identity over the phone or in person at a branch location. My card has now been denied and my account flagged for fraud for 1/3 of my purchase attempts made so far. To me this is a clear example of how Citibank is, by default, denying their consumers the ability to realistically fulfill their sign-up bonus stated in the card-member agreement. How am I supposed to practically fulfill my sign-up bonus agreement spending terms when 1 out of three of my transactions are being incorrectly flagged for fraudulent use and when I am then being denied access to or purchases on my account for weeks at a time?
At this time, I have made the initial complaints on to the XXXX XXXX XXXX, the Consumer Financial Protection Bureau, and the California Attorney General 's Office on XX/XX/2021. I made an updated complaint for this new related issue with the California Attorney General 's Office and the FDIC. I have not contacted an attorney. I have not sought court action or a law suit though I am now considering it.
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| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT This dispute is In regards to XXXX Mile Up card account ending in XXXX and Citi/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I have asked this company to remove my financial information from my consumer reports and they denied it. Because of this, they have defamed my character and caused me damages. I could not purchase a home or get approved for another credit card. I demand that this company complies with federal law because they have violated both my privacy and FCRA laws 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with sectio n 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The company has authorization from me to proceed with the complaint.
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| 08/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Complaints submit to CFPB regarding Costco Anywhere Visa Card by Citi ( CAVCBC ) DISPUTE CHARGE INITIATION EXPLANATION WITH CITIBANK On XX/XX/2-19I went to this Medical spa XXXX for a complementary consultation with intent to learn more about different skin-treatments for my skin concern XXXX XXXX , the owner/ laser technician gave me a one on one consultation, let me watch a generic video about XXXX treatment, showed me quite a few random pictures of some ladies at different social events and claimed he had help them to look better. He kept telling me he is a magician and he would make my mild sagging skin concern disappear after just one treatment, and if the problem doesnt go awayt, he would not charge me and I will not pay for the service. He showed me quite a few of impressive before and after pics. In one particular case was this much older lady with severely deep wrinkles on face n neck.! XXXX told me it was XXXX which uses XXXX energy and it took him 2hr 45 min to transform her skin as if she had a facelift ... the results was remarkable.., ( pic attached ) The agreed cost was {$1200.00} instead of XXXX for face, neck, chest and forehead. just as he advertised on XXXX ( photo attached ). not {$620.00} as he had stated on his statement ( pic attached ).. He asked me to give him a 5 star review on XXXXI will pay me if I bring people to his office. I told him as long as he could help me with my concern, I would be so thankful and I will refer friends without expecting money from him.
While I was there for almost 3 hours, The actual treatment took probably about 15 min I received 145 beeps of XXXX from XXXX while he was training 2 interns. When I share with him from what I learn from another medical spa called XXXX XXXX in XXXX XXXX, its usually takes about 4500-5000 beeps for a complete treatment for the whole face, neck and chest areas. He told me he would give me more after I come back in a month XXXX did take some before and after photos of me at the same angles, using his own phone, under the same lighting n distance. When we compare the pictures, he agreed with me there was no changes in my skin.
I was disappointed. He told me just to leave without paying.
Being a good person I did offer to pay partially for the treatment because I felt that he had put in time and effort He did not like my offer and told me to pay him half of the treatment cost which is {$620.00}, At this time, he pulled in two ladies work for the office, each taking turn telling me I had a great deal on the treatment and it takes time for the skin to rejuvenate after treatment. XXXX, again suggested me to come back again and continue with more and more treatments. If doesnt work, I will not pay for the rest of the payment.
Feeling defeated, pressured and alone, I let the office charge my credit card $ XXXXr After leaving his office, I had some time to learn more about XXXX. According to XXXX, the treatment should be a SIngle Treatment and should not be used on patient with XXXX XXXX. How could XXXX ignores all the safety protocols and told me to keep coming back for additional treatment. He did a treatment on me without asking for any of my health condition and history. I never was asked to fill out or sign any consent forms before the treatment. I didnt have an opportunity to learn, acknowledge the treatment contraindication and precautions protocols. Could my health and well being be detrimentally affected over some minor beauty concern? I attached some references from XXXX website for proof I called XXXX on XX/XX/2019 to tell him about my concerns of continue treatment and the damages it could cause to my health. I asked him to give me back my money minus {$100.00}. He refused and told me that he will not talk to me over the phone and that I need to come in talk to his office manager XXXX, I did remind him he was the one who gave me the one on one consultation, and the treatment himself. There was no others in the office involve.
I told him I would dispute the charge with CAVB. Yet, my offer to pay him {$100.00} still stands ...
In all, I did not receive the service and the result as I was promised by the provider. I cant continue to receive additional treatments from the vendor knowing i am not a good candidate CAVCBC issued us a conditional credit XX/XX/2019 Immediately after XXXX Sent CAV a letter filled with made up invoices and lies dated XX/XX/2019, the bank immediately closed the investigation and reverse the credit back to vendorbase on the information available at this time Instead of sending communication with us through our personal email addresses, they sent us an email dated XX/XX/2019 though their online account which we were not aware of.
I then received a physical letter of disputed denial on XX/XX/XXXXn From the time I receive the email communication from Citibank together with a copy of vendor resonse, I only had a few days to deadline XX/XX/2019 if f I wish to continue to dispute the charge again. It again asks me to send a copy of receipt and all documentations to support my case.yet, they would not accept any photographs or smart phone pics However, CAVCBC accepted all pics and photographs from vendor as they trying to prove me being unhonest about the time being at the office longer than 15min.
I reminded CAVCBC my exact statement : I never said I was there for 15min. I stated my actual treatments took about 15 min. I wasted my time for at least 2 1/2 hours there actually.
I called Citibank it spoke to XXXX from dispute Dept. She said the bank is on my side and she knows the vendor is a fraud, and advise me to again reinstate the case wit more statements in responding to the vendor statements. I asked if she could extend the deadline for me to have some extra time, she said I would loose my right to dispute the case.
Below are my responses to vendor made up stories Dear Costco Anywhere Visa Card by Citi Enclosed is a copy of receipt showing the amount was paid to XXXX XXXX XXXX as you requested I am requesting to dispute the charge due to the following facts : 1. I did not receive the XXXX XXXX sermon, needle nor numbing cream as products. These products has no relations to XXXX treatment. You could go to website to look at XXXX 2. I never had any agreement with XXXX XXXX or any one at XXXX XXXX XXXX to pay forproducts and get free XXXX treatment 3. The note and invoice was made up in response to the dispute. I did not see or signed any agreement 2. I did not receive XXXX XXXX treatment nor XXXX XXXX XXXX from XXXX XXXX as she had stated. As a matter of fact she was on her way out for a doctor appointment. And I never told her I was very happy with the treatment and couldnt wait to bring a friend with me 3. I had 145 shots of XXXX with Mr. XXXX XXXX, after the treatment, we compared the before and after pictures taken using his phone, he agreed with me that there was no changes in my skin.
4. XXXX advised me to continue to come back and see him then he would do XXXX again on me. What he said really scared me knowing XXXX should be done just once, and results should last 1-3 years, according to XXXX 5. The note and invoice do not match with the service provided : I had XXXX and yet was charged for something I have no knowledge of.
6. Mr. XXXX XXXX assured me I will not pay if my skin concern doesnt disappear after just one treatment with him I was told I will get an answer within 10 business days. I kept on checking the mail and emails then I had an email on XX/XX/XXXX that my dispute is denied. The reason : merchant has not agreed to credit your account On XX/XX/2019, I called the dispute Dept and spoke to XXXX, requesting to further my dispute. She uses all vendor statements to counteract mine, and to explain why my dispute was denied. Why is CAVCBC blindly agrees with the vendor fake invoices and untruthful statements that was made up in response to my dispute.
Not only I dint receive the service and results I was promised, my health and safety could be at risked and compromised with such a careless and ignorant service facility XXXX said she would put in request for my dispute and was told I will receive an email from the investigation Dept within 4 days, Days gone by, without getting any response, Ion XX/XX/2019 I decided to called dispute Dept again and this time talked to XXXX, and again the statements from the vendor was used to against my dispute. Throughout the conversation, Citibank doesnt have a reasonable explanation in response to my dispute.
We signed up for Visa account though Costco for believing in the company good business ethics towards their consumers. instead of feeling protected, safe and appreciated as a loyal customer, I feel robbed and cheated and disregarded! I hope CFPB could step in and help consumers who had little or no voice against the unethical actions from big financial companies like CAVCBC
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| 07/22/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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|
Web |
Servicemember |
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The information below is a new way that Citibank has found to defraud their customer, consumer and client base to unlawfully take unearned income to add to their corporate bank accounts.
The unethical business practices and model that Citibank uses as a payment method on their website is an intentional and deliberate application to defraud and finagle their consumer base out of unearned income for their corporation.
Citibank hides any and all charges on the statement of any additional charges to the account which includes all promotions showing a XXXX balance even after a domino effect of one promotion defaulted by Citibanks account, causing all promotions to default and being charged from day one erroneous interest charges and fees.
Through discovery you will find that Citibank hid the ability to pay anything past the promotional screen by claiming you had to search your statement to pay above what was shown on the screen.
We were always communicated as salesman to let our customers know at Best Buy that they had the option to pay in store or online ( ( never once was it said that you had to monitor your statement past the payment screen to calculate any charges past the initial payment screen. ) ) I worked for Best Buy for 7 years signing up XXXX of clients for the Best Buy credit card company and a level of initial trust was established All the following mentioned companies you pay what you owe without searching for additional hidden charges : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limits, XXXX XXXX XXXX insurance many others examples as needed Citibank have been caught in multiple lies within their own recorded calls lying to Myself on the state of my account with intent on falsely making promotions expire to create a domino effect of interest charges and hiding the ability to pay off balances to continue the cycle Customer service was questioned in XXXX of XXXX on why four promotionals were not being correctly credited and paid off, which should have taken care of all promotions till XX/XX/XXXX. Customer service didn't give an explanation fought and resisted to credit it correctly, four promotionals were paid off and the minimum monthly payment was paid that same month and I even mentioned that I would have understood if I hadn't also paid the the minimum that month because that would have taken away from the four paid off promotions but they still would't give any explanation at that time ( discovery was it an end of a bonus quarter for them is that why they resisted? ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX Bank XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX Bank XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} minimum XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | {$400.00} : At no time was a supposed defaulted promotion mentioned until I called in XX/XX/XXXX and the XXXX due in XX/XX/XXXX hadn't moved a penny even-though I paid over the minimum every month of the XXXX to XXXX range, as seen above, once I called this time it all became clear what they did as seen above.
After digging deep into the statements and by investigating the statements you can clearly see how Citibank manipulated the account to steal any over payment to these overstated charges.
You will see by discovery that as you paid your promotional off, the XXXX dollar amount shown wasn't an indication it was actually cleared, through research of the statements and payments made they caused a domino effect by claiming one defaulted and that made all the promotionals after that one also default.
so they gained money that they were not entitled too in various ways 1. Minimum payments were higher than they should be with the hidden balance 2. All over payments were being taking for this supposed hidden balance 3. There was a monthly interest charge being added on the statement, through the statements I researched Totaling XXXX with additional charges being added on monthly bases to the statements to keep the domino effect in place 4. The domino effect was making all the other promotions on the pay screen showing XXXX out, though on the statement showed it continued the cycle of the unearned income for Citibank, when a promotion defaults you are charged all the interest for the whole cycle from the beginning.
It did not show on the payment screen it just that it XXXX XXXX.through discovery how many years have they done this to my account? did i happen to accidentally pay off something like this before? how many consumers clients or customers are they doing this too? how much unearned income is this generating on a yearly basis per person?
This is a basic break down of the situation and more information could be given and discovered Precedent of Citibanks past conduct to employ unethical, deceptive behaviors to obtain unearned income from their consumer, customer and client base As I attempted to look up the complaint process against Citibank that uses deceptive, unethical, a hidden deceptive business model and employs deceptive business practices to obtain unearned income from their consumers, customers and client base a slew of prior behaviors. precedents and an insane amount of legal action Citibank popped up in a simple google search. ( ( attorney general complaint Citibank ) ) XXXX XXXX : PA Consumers Get {$1.00} XXXX Back From Citibank Attorney General XXXX XXXX Announces {$4.00} XXXX Settlement with Citibank Over Credit Card XXXX Attorney General XXXX Announces {$100.00} XXXX XXXX Settlement with Citibank for Manipulating Interest Rate Benchmarks Attorney General XXXX XXXX XXXX XXXX Citibank will pay {$4.00} XXXX to resolve allegations that it overcharged credit card interest for about XXXX customers in Iowa and four other states.
Citibank to pay states $ XXXX over interest rate manipulation AG : Citibank to pay nearly $ XXXX to thousands of Mass. consumers for credit card overcharges CFPB Orders Citibank to Pay {$700.00} XXXX in Consumer Relief for Illegal Credit Card Practices Attorney General XXXX Reaches Settlement with Citibank on Online Credit Card System Security AG XXXX secures {$1.00} XXXX in relief for New Jersey consumers in settlement with Citibank over credit card overcharges Attorney General XXXX XXXX : Citibank to pay Michigan {$3.00} XXXX Citibank, Attorney General XXXX XXXX announced a settlement today for more than {$18.00} XXXX.
Under terms of the settlement, California will receive {$3.00} XXXX in damages and civil penalties from Citibank. The company will also repay more than {$14.00} XXXX to customers with 10 percent interest. Of the {$14.00} XXXX, {$1.00} XXXX was taken from California residents, XXXX said.
" The company knowingly stole from its customers, '' XXXX said, " mostly poor people and the recently deceased. '' The N.C. Attorney Generals Office said Monday that Citibank will provide a combined {$680000.00} in refunds to about XXXX credit-card accounts in the state to settle allegations of overcharging Office of Attorney General XXXX XXXX XXXX Citibank has XXXX to pay {$100.00} XXXX to settle allegedly fraudulent conduct relating to the manipulation of XXXX interest rates that misled governmental and nonprofit entities in Massachusetts and across the nation, Attorney General XXXX XXXX announced today.
The investigation, conducted by AG XXXX and 42 state attorneys general, revealed that Todays coalition of state attorneys general includes Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, New York, Nevada, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, Washington, West Virginia, and Wisconsin.
This overwhelming precedent also shows repeated behavior on the part of Citibank in its continuing efforts to defraud, employ unethical and deceptive business practices until discovered, once this happens they have a history of claiming no wrong doing and pays pennies on the dollar in settlements to continue new ways to continue these practices.
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| 01/20/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I was contacted by the Citibank Fraud Department on my cellphone, the morning of Thursday XXXX XXXX while I was at work. I was informed that there had been fraud on my bank account and that several transactions were flagged and declined due to the fact that they were out of state transactions. The Citibank Representative gave me his name of XXXX XXXX, employee # XXXX. While on the phone with him, I looked up the phone number that he was calling from which was the same number listed for Citibank online. He texted me a code for verification, which also came through from a legitimate Citibank online texting number. This Citibank Representative proceeded to give me details of two transactions that were flagged as fraud, a {$200.00} transaction at XXXX in XXXX Texas and an {$80.00} transaction at XXXX in XXXX Texas. He needed to confirm if those were authorized transactions and if we were traveling out of state, I confirmed that they were not authorized and that we were not out of State. I did not provide ANY personal information to this employee, HE proceeded to read off my personal information for me to verify including my home address, joint bank account holder information as well as a list of other recent transactions that were processed recently on the account to confirm that those were authorized. He then went through the process of cancelling my bank card stating that the fraud transactions appeared to be using my debit card number, and not the actual account number. He told me that there was also a XXXX XXXX listed having my online banking information within a mobile wallet, therefore advised me to change my online banking information after we got off the phone. He proceeded with processing the fraud, at which point he noticed an outgoing XXXX transaction to a XXXX XXXX from my account in the amount of {$2500.00} and asked if that was authorized, I told him absolutely not I dont use XXXX and dont know a XXXX XXXX XXXX He then walked me through the process of reversing this outgoing transaction on my account. He instructed me to log into my online banking app and walked me though the process of finding the XXXX feature within the app. He had me enter in my email associated with my bank account XXXX, and enter the code of REFUND XXXX ( which is the last 4 digits of my bank account information ) along with my first and last name. He instructed me to enter the dollar amount of the pending fraud transaction of {$2500.00} and submit. He proceeded with verifying that with that he was able to reverse the outgoing XXXX transaction and discussed the importance of not using outside credit card readers at gas stations due to the risk of skimmers being on the pumps, he explained that they are finding a lot of this type of fraud happens from gas station readers. He gave me a confirmation number of our call XXXX and instructed me to watch my account and call back immediately if I noticed anything abnormal.
After hanging up with the Citibank representative I proceeded to change the password for my online banking, logged into the app and noticed that my account was less {$2500.00}. I looked at the transactions and saw an outgoing XXXX transaction posted for {$2500.00} to a XXXX XXXX with the notes REFUND XXXX. I immediately hit redial on the number that had called me to question the transaction and find out why it had subtracted money from my account as well as added someone elses name. I explained to the new representative the situation and that I had just been contacted regarding the fraud on my account, provided the prior call reference number and representatives name. At this point I was told that there was no flag on my account for fraud and that they had no record of the call or reference number that I provided.
I was then told that I needed to be transferred to the fraud department to file a dispute. I waited on hold for over an hour, while at work, to attempt to get through to the Fraud Department. While waiting on hold, I logged onto Citibank online and utilized the chat feature to attempt to get ahold of someone via chat while I continued to wait. I was connected to a representative by the name of XXXX. I proceeded to explain what was going on as best as I could being that I was still very confused, shocked and upset with all that had just transpired. XXXX informed me that he would open a dispute, while I continued to wait on hold. He asked a few very simple questions, and submitted the dispute advising me that it could take up to 90 days for a resolution on the dispute. I was then able to get through to a representative by the name of XXXX on the phone after waiting on hold for over an hour. I explained that I had just opened a dispute online while I was on hold waiting to speak with her, she confirmed she saw that the dispute was filed and that I needed to allow it to process and that she was unable to add any further information to it. She did advise me to put a Block on all of my accounts due to the fraud, although the online representative XXXX had instructed me that was not a necessary step to take. XXXX proceeded to block all of my accounts and instructed me to go into the branch to open up new accounts, she gave me a call reference # xxxxxxxx.
Citibank has proceeded to close all of the local banking branches near me, therefore forcing me to take further time off of work the following day to drive to the XXXX branch which is nearly XXXX minutes away.
I went to the XXXX Citibank branch the following day to open a new account, and further resolve the Fraud that occurred with a Citibank Representative. The Citibank employees at the branch proceeded to help open a new checking and savings account in my name only due the fact that my husband was not present and was at work, however were unable to transfer my funds due the current block on the accounts. The employees at the branch proceeded to wait on hold for over 2 hours in on their direct line, I sat and waited helplessly, while being transferred between multiple employees and desks, which 3 of whom had their phones on speaker on hold attempting to reach the fraud department to discuss my account in order to transfer the funds. After being at the branch for nearly 3 hours, they were able to get thorough to transfer the funds. I was given a temporary card for my new account and left the branch.
Over the next several days, I was forced to continue to call and wait on hold to speak with a representative in the fraud department due the fact that my temporary card had been linked in error to the old blocked account rather than the new account created. The branch was closed over the weekend, and I was without access to any of money for 3 additional days. Each time I was forced to call and wait on hold, I spoke with a Citibank representative and was given vastly different information regarding the status of my accounts, being blocked or unblocked, being accessible or not as well as the status of my Fraud dispute. I was assured over and over again that it would be resolved, not to worry and that I would get my money back as soon as possible.
The extreme lack of customer service for me as a customer as well as your own staff internally, the complete disconnection between your internal departments and overall horrible management of a very serious data leak with an internal Citibank representative resulting in theft is appalling. I quickly determined that I could no longer entrust my money with you, and returned to the bank, XXXX minutes away yet again to withdraw all of my funds. I was informed by the bank teller, who was the only helpful person I encountered throughout this entire ordeal that I should leave the account open so that once the dispute is resolved the funds can go back into that account, at which point I could withdraw it and close out the account entirely.
I have patiently waited for a response, after frankly not wanting to waste any more of my time and energy on this traumatic experience. Today I received a generic letter in the mail stating that after reviewing your internal records, you have concluded that there are elements within the claim that lack credibility therefore you are unable to honor it and unable to refund my stolen money.
This is completely unacceptable and I will continue to pursue getting back the money that was stolen from my account by a Citibank Fraud Department representative on XX/XX/2021. I have provided the credible documentation that you refused to take in the first place, including and not limited to my notes documenting the fraud, printouts, my phone records, police report etc.
I have filed 3 appeals now that have been denied and contacted several Citibank CEO 's via email. I was informed last night via email that the CEO acknowledges it was fraud, however they are not responsible for it and can not help me.
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| 07/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This complaint regards our ongoing experience in trying to get a home loan through Citibank. The complaint is specific to the services provided by both XXXX XXXX ( NMLS # XXXX ) and XXXX XXXX ( NMLS # XXXX ).
On XX/XX/XXXX as we neared purchase of a home, our real estate agent inquired with Mr. XXXX as to whether a 15 day loan contingency could be met. This was an advance of an offer and he communicated that it will be okay.
On XX/XX/XXXX, our agent sent Mr. XXXX a fully executed contract that included a 15 day loan contingency. Our agent noted this 15 day loan contingency as a reminder to Mr. XXXX.
On XX/XX/XXXX, I, the buyer, wired funds to escrow. These funds cleared.
On XX/XX/XXXX, at XXXX XXXX. our real estate agent emailed Mr. XXXX asking how the loan was coming along. She reminds Mr. XXXX of the 15 day contingency that ends XX/XX/XXXX. He has had the executed contract for 11 days at this point.
On XX/XX/XXXX, at XXXX XXXX, Mr. XXXX emails the buyer a list of documents needed. This is the first communication requesting materials. No explanation was given as to what happened in the last ten days.
On XX/XX/XXXX, at XXXX XXXX, Mr. XXXX responds to our agent 's prior correspondence telling her " I just e-mailed [ buyer ] a list of the items required for approval and will keep you posted on the progress. '' It is evident based on the timing of these emails that Mr. XXXX was attempting to present the idea that he has done his part and it is on the buyers. At no point in the prior 10 days did Mr. XXXX communicate any needs to the buyer but coincidentally sends this following request for status and pending contingency deadline.
On XX/XX/XXXX, buyer responds to Mr. XXXX 's list of needs. Buyer makes clear that signature of electronic disclosures and insurance provider information was outstanding. Buyer makes clear to Mr. XXXX in response to one of his questions that the buyer currently owns a property, paid off. Buyer provided recorded document as evidence among other documents requested by Mr. XXXX.
On XX/XX/XXXX, buyer provides insurance to Mr. XXXX. The electronic signatures could not be completed because the bank input the wrong phone numbers. Access was not available since the information input by the bank was incorrect. Buyer calls and eventually gets corrected later that day.
On XX/XX/XXXX, agent sends an email to Mr. XXXX asking asking how everything is going. This is two days before contingency ends and now 13 days after receipt of executed contract. Mr. XXXX for the first time states that he is working with an operations department and may need to request an extension. Mr. XXXX provides no explanation for the delay and does not communicate this to the buyer who is directly affected.
On XX/XX/XXXX, agent replies reminding Mr. XXXX of the contingency on XX/XX/XXXX.
On XX/XX/XXXX, Mr. XXXX replies to the agent state that he anticipates a review to occur by mid next week ( assumed to be week of XX/XX/XXXX ). Mr. XXXX dismissesthe contingency period and states theemphasis is on the closing date, '' I would anticipate the review to occur my mid next week therefore an extension will be required.. In this environment, the emphasis is on the closing date. '' Between XX/XX/XXXX and XX/XX/XXXX there is no communication between Mr. XXXX and the buyer expressing any sensitivity to this. No phone calls and no communication.
On XX/XX/XXXX, buyer replies to Mr. XXXX regarding the electronic signatures. The forms the bank wants signed include a question about whether buyer had ownership interest in property in the past three years. The question was answered no. When inquiring with Mr. XXXX, he stated to leave it, stating he was not aware of the ownership. Buyer also asks Mr. XXXX about a tax form that needed to be signed that did not contain a full address. Mr. XXXX never gets back to buyer on whether this will be corrected. The paperwork seems to contain errors and Mr. XXXX statement about his lack of knowledge regarding ownership of property is concerning given he requested information about the property two days prior.
On XX/XX/XXXX, agent asked if there was any new information regarding the loan. Mr. XXXX states Friday or Monday ( XX/XX/XXXX or XXXX presumed ).
On XX/XX/XXXX, buyer asks Mr. XXXX whether he thinks the loan will be approved because the contingency date was nearing. He is unequivocal in stating that the loan will be approved.
On XX/XX/XXXX, buyer asks Mr. XXXX for status. Mr. XXXX states, the loan was submitted for review XX/XX/XXXX. This date is after the " Friday or Monday '' that he stated to the agent eight days prior. How could Mr. XXXX state that a loan would be approved on a date that occured before the loan was submitted for review? Mr. XXXX then states " due to the enormous volume of loans combined with capacity limitations, I anticipate an approval of your loan by next Friday, XXXX. I will let you know when this occurs. '' We are now caught up to XX/XX/XXXX, his third estimate for loan approval after the week of XX/XX/XXXX and/or XX/XX/XXXX or XXXX.
On XX/XX/XXXX, agent emails asking about formal loan approval. Mr. XXXX replies " My apologies but due to unprecedented operational bottle necks due to the volume of loans made worse by the pandemic, our processing times are delayed. The review of the loan will occur by next week and we will meet the deadline for the COE date on XX/XX/XXXX. [ Buyers ] are highly qualified borrowers and I have no doubt of their qualifications. '' At this point, there is no date now. Mr. XXXX has made no attempt to contact buyer by phone to apologize, provide reassurance, or sympathize with buyer.
On XX/XX/XXXX, buyer emails Mr. XXXX asking for status. Mr. XXXX replies, " To meet the close of escrow date on Thursday, XX/XX/XXXX, your loan needs to be approved no later than Wednesday, XXXX. I am monitoring your loan daily and will certainly let you know when its approved. And if necessary I will request a rush to meet the deadline. '' At this point, nearly a month since receipt of the executed contract Mr. XXXX explains a need to rush. Mr. XXXX is aware of the date when the loan needs to be approved to meet the contractual close date, yet has waited until XXXX to express a need to rush. Mind you, this is Friday XX/XX/XXXX, leaving only Monday, Tuesday, Wednesday to meet this deadline.
On XX/XX/XXXX, buyer calls the local bank branch. Buyer had spoken with bank branch manager couple weeks prior asking for assistance. Weeks pass with no calls or email which resulted in this call back. Branch manager indicates that he had asked or that Mr. XXXX 's manager was asked to contact buyer.
On XX/XX/XXXX, Ms. XXXX, supervisor to Mr. XXXX does not call, but sends one general email " thank you for trusting us with the financing of your home loan. The closing date on your purchase is XX/XX/XXXX and we will do our utmost to meet it. Due to heavy volumes we are working as hard as we can to get all purchase loans closed on time. I will update you as soon as we have a firm date on closing. '' This email is two days before the date Mr. XXXX said the loan ahd to be approved by. It raises more questions and provides no relief. It raises questions as to whether any serious discussion of our concerns was communicated between Mr. XXXX and Ms. XXXX or whether she had time or concern. In response to this, buyer requests a call with Ms. XXXX. She states she's unavailable until after XXXX XXXX on XX/XX/XXXX.
Buyer speaks with Ms. XXXX on XX/XX/XXXX. She starts by expressing that Mr. XXXX is an excellent loan officer. Consider this was the first thing out of her mouth and given the experience over the last 30 days plus, it struck me as if she had made no effort to understand what we were experience. She expresses again that the file will be rushed but provides no explanation and can not commit to meeting XX/XX/XXXX. She states at the end of the call that she will call buyer the following day.
On XX/XX/XXXX, buyer hears nothing all day from Ms. XXXX. Buyer emails and calls Ms. XXXX to personally inquire. Ms. XXXX provides no new information but states that she has rushed it and hopes to have something tomorrow XX/XX/XXXX.
As of today, XX/XX/XXXX, buyer does not have a loan approval. For the purpose of financial disclosure, buyers are putting 25 % down, have credit scores of XXXX and XXXX, both have full time employment, have no debt, and have been banking with citibank for more than 10 years.
I am filing this complaint because buyer does not know where to turn. Lack of communication, care or any service has made this an awful experience. THe lack of professionalism and inability to communicate has been surprising. Buyer personally feels like they are being strung along and can not get answers from either Ms. XXXX or Mr. XXXX.
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| 01/04/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
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This is a follow-up to CFPB complaint #XXXX. In the five month ordeal to get information -- required by the State -- to recover escheated funds from two cashier checks, I encountered repeated broken promises, misinformation, indifference and outright untruths from a series of mid-level Citibank employees. I do not know if this was the result of incompetence, unsupervised employees free to make their own rules, or a deliberate Citibank policy to offer substandard customer service. I have copied an email chain below to show the numerous broken promises, failed follow-through, and ignored requests.
Notably, in a recorded phone call, XXXX XXXX XXXX at the Executive Response Unit claimed that Citibank did not have the information, and even if they did, Citibank would not release it to me or the State. Citi's latest CFPB response (in which the information was finally provided) shows this to be either incompetence, a lie, or deliberately misleading. The matter could have been resolved by talking to XXXX XXXX supervisor, but he repeatedly refused this request.
I have closed all five of my Citibank accounts but, as a Citigroup shareholder, am concerned about this substandard/deceptive level of "customer service" and hope that senior management is too.
EMAIL CHAIN edited for clarity.
XX/XX/XXXX To XXXX XXXX
I've enclosed copies of the checks received from Citibank (along with the charges that I'd like removed). Please advise as soon as you can.
XX/XX/XXXX: From XXXX XXXX
We confirmed receipt of the item sent. We will continue to work on this until it is resolved. Many thanks again for choosing Citibank.
XXXX XXXX XXXX. Vice President/Branch Manager
XX/XX/XXXX: To XXXX XXXX
Hi XXXX: Any update on on this? Thank you.
XX/XX/XXXX: To XXXX XXXX
Hi XXXX: Any update on this? Thank you.
XX/XX/XXXX: To XXXX XXXX
Hi XXXX: Third request for information. Is there anyone else I need to speak to?
XX/XX/XXXX: From XXXX XXXX
Hi XXXX XXXX,
This is still under investigation. We spoke with them yesterday evening. They are researching the info provided. I should have some more info for you today or Monday.
#1 Customer Satisfaction and Loyalty among National Banks
XX/XX/XXXX: From XXXX XXXX
Please see communication we received from our Client Escalation Services.
>.
XX/XX/XXXX: To XXXX XXXX
Despite your assurances, I never received a copy of the letter referred to in XXXX email of XX/XX/XXXX. However I reached out to the State of California Unclaimed Property Division who have not received the funds (See attached). They need written verification from Citibank that it sent the funds. I also need written verification from Citibank that it sent the funds to California (and dates). I also need an explanation as to how Citibank lost my money. These are Cashier's Checks with no expiration date and I've been a XXXX/Citibank/Citigold customer for over twenty years. The bank has always had my address, email, and phone number and could have easily contacted me. I've been trying to recover these funds for over two months and I'm back where I started. Unless there's proof that Citibank sent the funds to California, Citibank still has this money. The checks are still valid even if Citibank has lost its internal records. I've been unable to contact XXXX XXXX... she has no message system on her phone and no email address -- so please resolve this or give me someone who can.
XX/XX/XXXX: To XXXX XXXX, XXXX XXXX
I haven't heard back from regarding the matter of the two Cashier Checks.
I'm concluding that you can do nothing to help, so please refer me to someone who can.
XX/XX/XXXX: From XXXX XXXX
This is to confirm receipt and to let you know we are working to resolve this and will get back to you no later than Monday of next week.
XX/XX/XXXX: To XXXX XXXX
I know you were working on getting this issue further escalated, and trying to expedite a resolution. Any updates from the escalation team today? Thank you!
XX/XX/XXXX To XXXX XXXX
Thanks for following up XXXX. I didn't hear from XXXX as he promised.
Do you know how I can escalate this?
XX/XX/XXXX From XXXX XXXX
We have escalated this issue to our Executive Response Unit to have this resolved for you. According to the response unit, it will take 3 business days for them to complete the review. I escalated this last Friday and is awaiting on their response.
XX/XX/XXXX:To XXXX XXXX, XXXX XXXX
Thank you. Can you give me the contact information for the Executive Response Unit? It's been over three months since I deposited the checks and it doesn't seem right to withhold funds because Citibank was negligent with their records.
XX/XX/XXXX: To XXXX XXXX, XXXX XXXX
XXXX XXXX. Please see your last email (3 business days fo complete the review). It's been a week and I have still received no update on my two Citibank Cashier Checks that your bank has refused to honor. This is the fifth time I've been promised information that hasn't arrived and I cannot reach you by phone since you do not appear to have voicemail.
I understand that you cannot help me, which is why I requested contact information for the Executive Response team. < No response>. I requested the contact information for anyone capable of helping me. It's been almost four months and I have heard nothing.
Until I get this resolved through the CFPB, I've been advised to close my six Citibank accounts. For obvious reasons I cannot accept a Cashier's check, so please make arrangements to have cash on hand (approximately $400,000). I'll stop by Thursday afternoon(XX/XX/XXXX) if that works.
XX/XX/XXXX: From XXXX XXXX
Good Afternoon, I wanted to assure you that we have all eyes and hands on deck to resolve this issue for you. XXXX has been working with the back office for some time now, and I was with him when we further escalated the case back on XX/XX/XXXX. We have pushed again today to expedite the expected resolve date of XX/XX/XXXX to hopefully today or tomorrow. I will be reaching out to you as soon as I get word back from the escalation team who is researching these checks for us.
XX/XX/XXXX From XXXX XXXX
Hope youre doing well. First of all, Id like to office my sincere apologies for this process taking longer than you would have liked. We wanted to make sure if there was anything we could do to find these 15 year old checks for youwe did it.
After much escalation and research, we have determined that the checks have in fact been escheated to the state. Most states require compliance with the Uniform Disposition of Unclaimed Property Acts of XX/XX/XXXX and XX/XX/XXXX and the XX/XX/XXXX Uniform Unclaimed Property Act or laws similar to these Acts. Accounts are escheated to the state of the customer's last known address. If the address is unknown or foreign, the account would be escheated to South Dakota (the state where Citibank, N.A. is headquartered).
XX/XX/XXXX To: XXXX XXXX, XXXX XXXX
California does not have my money. On XX/XX/XXXX, I sent the following email to you and XXXX. (I never heard back).
I appreciate all this research: please forward it to me showing when, and what state they were escheated to. And why -- even though I've had an uninterrupted relationship with Citi/XXXX for 20+ years -- no one ever contacted me.
I can't believe that Citibank wants their customers to be responsible for Citi's own negligent record-keeping
XX/XX/XXXX :To XXXX XXXX, XXXX XXXX
South Dakota did not receive the funds either.
Please forward the date/ location to where Citi escheated the funds. If Citibank has lost these records, please have them honor their cashier checks.
XX/XX/XXXX: From XXXX XXXX
Good Morning XXXX. Were you living in XXXX around 10 years ago? The abandoned property gets sent to the state of your residence at the time.
XX/XX/XXXX : To XXXX XXXX, XXXX XXXX
That was a good idea. I was living in XXXX 10 years ago. But XXXX directed me to XXXX - and the search turned up empty for ALL states. I called their unclaimed property department and the woman checked on my behalf. Nothing. She told me to contact Citibank because they should have a record of when and to whom the funds were escheated.
What do I do now?
XX/XX/XXXX: :To XXXX XXXX, XXXX XXXX
Can you advise what my next step should be in retrieving my money? I'm happy to hear that the funds were escheated, but I've received no paperwork in four months.
XX/XX/XXXX: To XXXX XXXX, XXXX XXXX
Is there anything else you can do to help? Should I just write this off?
XX/XX/XXXX: From XXXX XXXX
Just wanted to let you know Im working on this. You will have an update from me by COB today. Thank you, talk to you soon.
XX/XX/XXXX :To XXXX XXXX, XXXX XXXX
I have not heard from anyone in corporate in the last two weeks. Can you please address?
No response.
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| 10/31/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Banking errors
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Web |
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***Note : It appears the formatting gets changed by the submission process. I know this is long so probably hard to read. If you want the formatted version email me and I will send it to you *** Citibank has grossly mismanaged the security of my account and impacted my ability to access my money through a convoluted and horrific fraud reporting process.
I opened a checking account with Citi on XXXX, depositing XXXX XXXX in order to get a sign on bonus. I was issued a temporary debit card, set a pin and was told to expect my new debit card in the coming weeks.
I never received the debit card, someone was able to intercept it in the mail.
On XX/XX/XXXX at approximately XXXX XXXX this person called into Citi and was able to reset my PIN. I know this because I received an email confirming it ( see attached ). By XXXX XXXX they were able to open 3 additional accounts over the phone and transfer money in. These transfers were between XXXX - XXXX into each account. I have attached that record as well. These transfers are coded as XXXX XXXX # XXXX, # XXXX, # XXXX.
This person then went to several banks between about XXXX XXXX and XXXX and made cash withdrawls from various tellers. Those transactions are timestamped on the same sheet. My understanding from conversations with Citi representatives is these were different branches.
I was alerted that there was some fraud via an automated phone call about a suspicious transaction around XXXX ET. I missed it, but got the message and called back a few minutes after, confirming that yes that transaction was fraud. At this point I checked my Citi app, saw the new accounts and withdrawls and went to the branch 6 blocks away while calling in. I told the first person on the phone that there was fraud on my account, everything happening today was fraud and to lock all my accounts.
I repeated this story to the branch representative at the XXXX XXXX XXXX branch in NY. The branch rep helped me lock my account and the people on the phone assured me all of the transactions were reported as fraud. I received several calls that day and told them all the same thing : that every action after XX/XX/XXXX was fraudulent. All the activity that day XX/XX/XXXX stemmed from the same person doing a bunch of fraud on all the accounts ( both my real one and the three they were fraudulently allowed to open by Citi.
Also, I discovered via the account XXXX that the person had been allowed to access my account was able to add their phone number to the account as a verification. I told the branch and the phone reps that it should be removed ASAP. They assured me it would be. Over the coming weeks I continued to find this number on the various accounts 3 times until XXXX when I was in branch with a manager and finally had him show me on his computer they were all removed.
In total there were 3 transactions withdrawing XXXX each and 1 withdrawing XXXX. Three of these were from the the three new accounts and 1 was from my existing account.
The first issue started 2 days letter ( XX/XX/XXXX ) where, after following up in branch on the status of the claims, I was told the reps didnt open them correctly and I would have to do it again. So I did, telling the same story and saying I needed all the XX/XX/XXXX activity reversed. The requests were opened.
I received a form for one of the requests in the mail later that week. An affidavit of fraudulent activity. I completed it and sent it back. I called on XX/XX/XXXX or XX/XX/XXXX to again check on the status and was told I should have received letters for all of them and that if I dont submit the letters it would be closed automatically. I never got the letters before or after that.
On XXXX I went into a different branch and worked with a branch manager to submit the forms. I completed and he faxed them over.
On XXXX I received the money back for the XXXX withdrawn from my original account.
On XXXX I received a letter ( attached ) saying my claim had been substantiated for account XXXX ( one of the fraudulent savings accounts ) and I would receive the money. As of XX/XX/XXXX I still have not received it. XXXX representatives have variously told me that the letter was regarding a different account, that it was about the right account but sent before the decision was made, that the decision was made and they were just waiting for the funds to clear AND that the decision actually wasn't made yet but should be done soon. They each say something different, no one can explain why I have this letter but not the money and it has been going on for weeks. Most recently they said I should be getting the money within 72 hours. That was a week ago.
On XXXX I receive a letter ( attached ) saying my {$5000.00} claim was denied because they didn't receive the documentation. This was the documentation the branch manager sent for me. I called in and the initially said they couldn't find it. After about an hour back and forth they said they actually did receive it and just forgot to attach it to the claim. The rep then attached it. I received this refund on XX/XX/XXXX Also on XX/XX/XXXX, my XXXX claim on account XXXX was denied ( letter attached ). The reason cited was that my " card was used as a form of identification at the time of withdrawal using your [ PIN ] ''. Since the whole issue was that my Debit card was stolen out of the mail and CITI let the thief reset the PIN this was absurd to me. I called them immediately and asked to appeal. I have been calling back twice a week as they keep telling me an investigator will call me back to discuss it further, but I have ( as of XX/XX/XXXX ) not received any call from an investigator regarding this account. I called today and the rep said this and the XXXX account are in " very late stages '' and simply need to be reviewed by the supervisor, but that he can't give any more info. He promised an investigator would call me back in 24-48 hours, but I have 0 faith that will happen.
An investigator did call me regarding the overall claim of identity theft. They finally called on XX/XX/XXXX. I told them the whole story and offered them all the same documentation and evidence. I offered security footage from my job showing I was in the office at the time of the frauds. I offered the email of my PIN reset, a voice print to verify my voice against the recording of that reset and the account openings. I offered my photo ID to compare against the video footage they surely had of the teller withdrawals. The investigator said that wasn't necessary. She denied my claim later that day. I received the letter informing me that today ( see attached ). The claimed reason was that " information on file with Citibank matches the information used for the account opening ''. To me, that reads like a literal definition of identity theft, but to Citi apparently that is justification for it not being identity theft.
I called to appeal that decision but the representative could not say what information matched or why that justified the denial. He opened an appeal and promised a follow up call with an investigator which I am sure will not come.
At every stage I have offered various evidence to citi, I have pushed this investigation along by calling 2-3 times a week or going in branch and have tried to give them everything to prove this obvious fraud was obvious fraud. They have routinely declined, obfuscated the investigation and then denied various claims. It makes no sense that some claims are substantiated while some are not given the temporal and geographic location of all these events. It is clearly 1 actor acting quickly and the fact that Citis security measures ( branch cameras, phone recording, identity verification for PIN reset, automated fraud alerts etc. ) can not seemingly substantiate that is negligent and to me feels like theft via frustration. I cant help but get the sense that Citi aims to not have to refund me my money simply by making this process so taxing people give up.
Every call is a different person, they almost all have gotten some aspect of my case wrong, I have been mishandled and outright lied to more times than I can count throughout this process. I can only imagine this happens to tons of people like me that give up and let citi just keep the money. I have had to spend at least 30 hours in various conversations at this point and I expect probably another 10 with how these things go. A full work week dedicated to just getting money back that's mine, that someone who isn't me withdrew IN PERSON. XXXX XXXX XXXX XXXX XXXX this should be a layup fraud case but Citi is negligent in their handling of this case and gives me concern they are mishandling all their customers money
|
| 12/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
I have set up a personal account with Citibank for more than 20 years Todays matter was communicated with the bank for eight days without results. In this unbearable and very frustrating situation, I think I must take self-protection measures. Details are as follows -- 1 ) At about XXXX pm on XX/XX/2021, I used my mobile phone ( XXXX ) to call my friends in California, and the screen displayed " This mobile phone is not registered to the network, emergency calls only ''. It lasted for nearly 10 minutes, around about XXXX, the phone ban was lifted againI can use the phone again ; because I remembered a lot of legendary phone tapping incidents, and I have the Citibank app to download my personal bank account here On the mobile phone, I also need to check the status of the bank 's arrival. At that time, it was close to the end of work time. I was not very busy at work, so I logged into my personal account at the office to check and found that there was an unauthorized transfer service on the account-it was obvious that someone hacked the banking system and displayed the amount of {$17000.00}, and the time displayed XXXX XXXX. Program pending...
So I immediately called Citibank 's customer service number XXXX, and then the customer service was transferred to the bank 's wire transfer department. From around XXXX pm to around XXXX pm, I called the bank customer service countless times. Fortunately, three calls are connected ( we all know that bank calls are difficult to make, and the waiting time is long ). The last lady who answered the phone told me that the affirmative answer was - first of all, the {$17000.00} remittance service has been cancelled. The money will be returned to my account in a short time ; second, at my request, my account has been deducted, all funds can only be in, not out ; 3. my bank card is also cancelled, and, The new bank card is already being made, and you can receive it in a few days ; fourth, if you need to log in to online banking again or close your account, you must do it after receiving the new bank card ; this customer service lady really Very responsible. Before hanging up, she told me the direct dial number XXXX of the remittance center so that I can contact them directly next time I need it...
***Because of this incident, I spent a total of two hours on the phone. I returned home on the night of XX/XX/2021, and did not fall asleep until XXXX in the morning. As a result, my XXXX XXXX increased, which brought a lot of trouble to my health and daily life!
2 ) XXXX -- After a night of mental torture, I went to Citibanks branch at XXXX XXXX XXXX in XXXX in the morning, and with the help of the bank staff XXXX XXXX XXXX I confirmed it again and again through her phone- this item is XXXX The US dollar remittance service has been cancelled. The money will be returned to my account in a few hours, and we agreed that I will go to the bank again at XXXX to close the bank account and reopen a new bank account ; at about XXXX, I will go again. I went to a Citibank branch. After checking, the money has not been returned to my account, so I cant do the business I need, but XXXX XXXX has repeatedly checked the banks computer and told me that all of them are still held. Therefore, this account can only be used. Please don't worry about the state of depositing money and not being able to pay out, and I will go to her for related business after I receive the new bank card!
***That is to say : from XXXX about XXXX, I will not be able to know any activity of my account until I receive a new bank card. At the same time, it took three hours to go to the branch twice ; 3 ) XXXX-I got a new bank card when I went home from get off work in the evening, because I received a positive response from the phone call and branch staff on the XXXX, and considering that I should go directly to the bank to solve all the troubles, I did not Use your new bank card to log in to online banking at home.
4 ) XXXX -- I took my new bank card to the Citibank branch at XXXX XXXX XXXX in XXXX in the morning, and was received by the manager of the branch, XXXX XXXX XXXX As a result, the result of his inquiry was that the remittance of {$16000.00} was sent from me. It was remitted from my account instead of XXXX XXXX, the {$17000.00} I found in the online bank?! The money was remitted to XXXX BANK, and the payee was XXXX XXXX, and then signed AFFIDAVIT OF UNAUTHORIZED ONLINE WIRE TRANSFER FORM with his help during this period, he also asked me to directly talk to the bank 's headquarters staff, and the reply was that they would communicate with XXXX BANK to recover the money. If there is no recovery?! The bank will pay compensation, only need to wait two to three days ; ***Because of dealing with these problems, I spent 3 hours in the Citibank branch without any results. My spirit was greatly tortured... I couldn't fall asleep at XXXX that night 5 ) XXXX -- On Monday, because of doubts about the stolen amount, I went to the Citibank branch at XXXX XXXX XXXX in XXXX in the morning, and checked the amount on the ATM machine, and found that the stolen amount was {$16000.00} plus The remittance fee is {$25.00}, and the total amount is {$17000.00} -- that is, the amount I saw in my online bank in the afternoon of XXXX ; this time it was received by XXXX XXXX. She called and waited for the transfer, two after half an hour, no one answered. For this reason, she told me : I should be able to directly call the bank 's remittance department to check the result, and the result is the same as if she called to inquire about the result. For this, I ended. Waiting at the bank branch ; ***This has been a whole week since the incident happened, and it took 2 and a half hours to get nothing ; the mental pressure has reached the point of unbearable 6 ) XXXX -- It will be more convenient to call the customer service number XXXX of Citibank at XXXX after 20 minutes, the answer is please call the department directly at XXXX. The direct call was made at XXXX and asked whether the person who answered the call could get through to the person in charge directly. The result was that the hold for listening to music was for 40 minutes ; at XXXX, the call was dropped and the new call was made again. It was a gentleman who answered the call and told me to wait. He would help to transfer the person in charge. As a result, it took 3 hours and 35 minutes from XXXX to have a lady claiming to be the person in charge, but the reply to my question was simply more serious injury -- I asked : Why is my money still being transferred when I have notified the bank that someone has hacked into my account to remit my money, and the web page displayed pending at that time? The bank already knew this situation, so why didn't it stop it in time?
Answer : the money had already transferred when I reported the crime ; I ask : According to our previous experience, if the remittance needs to be cancelled, it can be cancelled within one hour, I was made call just 30muniters after No answer!
I asked : But the answer I got on the phone was affirmative-the money in my account will not be transferred, the remittance service has been cancelled, and it will be transferred back to my account soon of ; Answer : The reply on the phone at that time thought it could be recovered...
I asked : Why did I go to the branch to check on the XXXX and the answer was that the procedure was in progress, and I should be able to transfer back to my account in a few hours?
Answer : I dont know what the basis of the branch staffs answer is?
I asked : Now the money has been remitted, and this is entirely due to the bank 's fault and mistakes and caused me a lot of harm. I just want to know when I can receive my money. Its Eight days have passed...
Answer : I don't know! It will take about 10 working days or more, because the wire transfer department of Citibank is in contact with XXXX bank and has not received a reply from XXXX bank, and I dont know how much it can recover?!
I asked : What should I do if I can't got XXXX Bank back?!
Answer : If received can recover everything? Then it will be transferred to your account immediately, if there is only the recovery part? Then we need to report to the customer protection department to file a case and then compensate the insufficient part ; I asked : I have notified you of this matter on XXXX. Have you filed it case to your customer protection department yet?! Can I contact your customer protection department directly?
Answer : The customer protection department is not directly external, and because they have not reported to the record, there is no case number to querybecause, they are not file the report for this case yet
|
| 02/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
Citi Bank Dispute with XXXX, XXXX Amt. XXXX Filed dispute with Citi Bank on XX/XX/XXXX.
Never received a letter from Citi Bank requesting back up documents for my dispute.
Emails to Merchant CANCELING the order were forwarded to merchant on XX/XX/XXXX ( within 24 hours of said order ), XX/XX/XXXX, XX/XX/XXXX ( and have been submitted to Citi Bank ) No responses to above emails from merchant, even though they state they have 24/7 Customer Service ( and submitted to Citi Bank ) Merchant shows a XXXX XXXX, CO XXXX address on their website and they are actually located in XXXX, XXXX. Citi Bank is informed of this information.
Merchant has removed their website from the internet. Citi Bank was informed of this information.
XX/XX/XXXX Received E Communications Letter on Citi Bank 's secure website, that my dispute is closed, the charge is reversed back to me and Citi Bank rules in favor of the Merchant. Copies of XXXX 's rebuttal are attached at the end of this communication! Nothing attached!
Copy of Citi Bank 's response : Date Amount Description XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX A copy of the merchant 's response is enclosed.
Based on the information available, we have closed our investigation and reversed our credit.
( No Merchant response attached ) I have NEVER RECEIVED any email communication from the merchant, other than confirmation of order. I have NEVER RECEIVED any products ordered, despite Citi Bank stating they have PROOF OF SHIPPING AND PROOF OD RECEIPT but have NEVER FORWARDED SAME TO ME.
I thought I had done my due diligence, verifying this merchant was located in the XXXX, however, have since found, that many SCAMMER XXXX Merchants are securing US addresses for their websites to convince US citizens they are buying from an American company! ( Verification of several merchants who are located in XXXX and using US addresses were investigated. Call made to one company whose address was used and they verified no such business is located at their address ) I request a reopen of my dispute on XX/XX/XXXX.
Citi Bank informs that said back up documents can be emailed to them to XXXX Back up documents forwarded. Never receive confirmation of receipt of documents from Citi Bank.
XX/XX/XXXX On Line Chat with Citi Bank states, no email received. Original email was never sent back as UNDELIVERABLE. Forwarded email 2 more times.
XX/XX/XXXX XXXX Confirmation from Citi Bank that email was received. Direct quote from Citi Bank in email : Thanks for providing additional information regarding your {$160.00} dispute. We're reviewing it and will get back to you.
ON LINE CHAT conversations with Citi Bank ( through their secure website ) : Request is made to receive merchant 's rebuttal documents. Citi Bank informs the documents will be uploaded and available in 24-48 hours.
48 hours later, no documents are uploaded.
Conversation with Dispute Back End ( Specialists ) Team Member, only document received from merchant is copy of order form.
ON LINE CHAT : Citi Bank states they are in receipt of a PROOF OF SHIPPING AND PROOF OF RECEIVING receipts from the merchant. Request is made for these documents. Citi Bank states they will upload within 24-48 hours.
48 hours later, no documents!
Citi Bank now claims dispute was submitted under wrong classification and should have been submitted as UNAUTHORISED CHARGE and Citi Bank may NOW not be able to assist with dispute!
Citi Bank uploads one document with no letter head, but is obviously as what the Dispute Back End Team admitted Citi Bank received from merchant, ONLY a copy of the order.
Request answer from Citi Bank how this dispute was submitted in the wrong category and Citi Bank may not be able to assist, when it is clear the order was authorized. NO RESPONSE.
Citi Bank informs that the order was made, then canceled and submitted, GOODS NOT RECEIVED and I, the consumer must understand, there is a difference. On line, it is clearly a submissions of an Unauthorized Charge or Good Not Received. Since the charge was authorized, how can Citi Bank say it was filed incorrectly and no assistance may be available? No Response.
Requests are made many more times requesting a copy of the PROOF OF SHIPPING AND PROOF OF DELIVERY. Citi Bank informed it is being mailed. No receipt of any documents. Request was made again. Citi Bank forwards a copy of the blank ( no business letter head ) original order, but no PROOF OF SHIPPING OR PROOF OF RECEIPT documents, that Citi Bank said they had.
Citi Bank does not reopen said dispute, no reverse temporary credit is made on account.
Citi Bank forwards a letter for signature and states : Citi Bank DEMANDS copies of emails from merchant stating the merchant accepts my cancelation request.
Citi Bank DEMANDS a copy of the merchant cancelation and refund policy from their website ; which, no longer exists, however it is found on a Suspicious Review site on XXXX XXXX, and states : Please contact us as soon as possible. Any items already shipped can not be canceled. ( Order was canceled within 24 hours! ) All refunds will be made within 10 business days. This has been submitted to Citi Bank, but is refused because it is not the merchants website, which Citi Bank has been informed ( on many occasions ) the merchant no longer had a world-wide website!
From Citi Banks Letter on E Communications through the secure website : If you continue to dispute this charge please provide : Proof of the terms and conditions you agreed to and documentation to prove you cancelled in accordance with those terms and conditions. An example of this proof is a cancellation confirmation email from the merchant.
Request made that Citi Bank to do THEIR JOB and request said information from the merchant since no emails in response to cancelation and no product was ever received from the merchant to consumer ( ME )!
Citi Bank was informed that the merchant used a fraudulent address in the United States as their location, when they are actually located in XXXX, XXXX.
Citi Bank was also informed the merchant charges State Sales Taxes for the states that require State Sales Taxes ... when indeed, the merchant in located in XXXX!
Citi Bank is now informed that even though their customer may be a XXXX XXXX, she does not have a fragile mind or XXXX and is feeling Citi Bank is intentionally trying to intimidate and bully their long time, paid in full every month, credit card customer!
Merchant 's phone number is verified the merchant is located in XXXX, XXXX and reported to Citi Bank.
XX/XX/XXXX Citi Bank forwards the following E Communications letter ( BEAR IN MIND, THE ORIGINAL LETTER RECEIVED STATED DOCUMENTS MUST BE RECEIVED BY XX/XX/XXXX! ) Date Amount Description XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX We have reviewed the information concerning this dispute. Unfortunately, we are unable to resolve this dispute in your favor since we have not received the proof of what was expected versus what was received and the document showing you made an attempt to resolve this dispute directly with the merchant. Please contact the merchant to pursue this matter further. We now consider this investigation complete.
Response made to Citi Bank in reference to above by email, dated XX/XX/XXXX, XXXX : PLEASE NOTE AND BE ADVISED OF THE FOLLOWING : 1. Citi Bank Dispute Dept. stated in the On-line Chat through Citi Bank 's website ( Check your records! ), that Citi Bank has received PROOF OF SHIPPING AND PROOF OF DELIVERY receipts from the Merchant, XXXX, located in XXXX. You also stated that you were mailing said documents to me and I have today, received a copy of what looks to be the order, on a blank paper, no business name etc. The PROOF OF DELIVERY AND PROOF OF RECEIPT DOCUMENTS WERE NOT ENCLOSED!
2. Using this document received however, does show proof on intent to purchase, which clearly shows that I DID NOT SUBMIT MY DISPUTE UNDER THE WRONG CATERGORY WHICH CITI BANK STATED, MAY NOT BE ABLE TO ASSIST ME BECAUSE I DID NOT FILE IT UNDER UNAUTHORISED CHARGE! but GOODS NOT RECEIVED! ... WHICH IS TRUE! THEITEMS HAVE NEVER BEEN RECEIVED!
Citi Bank has also violated my rights to return said requested documents, that I have in my possession ie : copies of MY EMAILS that state this is to be CANCELED etc. As I have repeated MANY TIMES ... I HAVE NEVER RECEIVED ANYTHING FROM THIS MERCHANT IN RESPONSE TO MY CANCELATION EMAILS ... THEREFORE, IT IS CITI BANKS RESPONSIBILITY TO PURSUE THIS REQUEST WITH THEIR MERCHANT! NOT ME, THE CONSUMER, especially since I have no access to the Merchants email account to provide said documents, that do not exist in the first place!
( Citi Bank On-Line Chat responses have been saved )
|
| 02/03/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
This complaint concerns my attempt to obtain modification of a Home Equity Line of Credit ( HELC ) from CitibankCitiMortgage ( Citi ) , which is essentially a second mortgage on the home where I live with my young adult XXXX son, a co-operative apartment in XXXX XXXX XXXX . Because of the manner in which Citi treated my request for mortgage assistance we are in genuine danger of losing our home.
As I will explain in more detail, Citi rejected my application for mortgage assistance without a reason or explanation. It gave short shrift to my appeal from the denial of modification, despite promising a legitimate review. While the holder of the primary mortgage agreed to a modification that significantly lowered the monthly payments, Citi arbitrarily raised the interest rate on the HELC three times in eight months last year. Finally, Citi refused to even consider any means by which I could avoid foreclosure even though its interests in the property are completely safeguarded by the extraordinary appreciation in market value that has, by its own admission, taken place.
I bought our apartment in XXXX for {$210000.00} with a conventional mortgage from XXXX XXXX. I obtained the HELC from Citi in XXXX in order to pay off personal credit card balances and replace the interest on those debts with the tax-deductible interest on the HELC. Citi 's appraiser valued the property at that time at {$400000.00}. The terms of the HELC provided for interest only payments at a variable APR of approximately 3.38 % ; as the interest rate fluctuated the monthly payments went from {$390.00} to {$420.00}. At the maturity date ( XX/XX/XXXX) the payments went up to {$990.00}.
I started the process to apply for a modification of the HELC in XX/XX/XXXX. Thirteen months went by and I never received a decision, and the horrors I encountered in that process mirror the stories found in the Consumer Complaint Database about how Citi handles requests for mortgage assistance multiple turnovers of staff, repeated requests for the same documents that then expire. At one point my file was accidentally closed and sent to the foreclosure lawyers, even as I continued to receive form letters acknowledging that my request for modification had been received and was proceeding. However, this complaint concerns my most recent application for modification. This one was filed in XX/XX/XXXX with the help of a HUD-approved housing counseling agency, XXXX XXXX XXXX of XXXX ( XXXX ).
Although I responded to every request for information from and supplied every document requested to Citi, my application was rejected in a letter from Citi dated XX/XX/XXXX ( enclosed ). I was somewhat confused by the opening sentence, which informed me that Citi was disappointed that we can not approve your request for a Citi Supplemental 2nd lien program at this time. The application was a general form requesting modification of mortgage terms because a hardship was making it difficult to meet payments. I was never given any specific information regarding Citis modification programs nor did I apply for any specific type of assistance.
The letter continues : We consider a number of factors in making credit decisions. In your case, we were unable to approve your mortgage assistance request for Citi Supplemental 2nd lien program because : Citi Supplemental 2nd lien program requirements [ were ] not met : In performing our underwriting of a potential modification we could not reduce your principal and interest payment less than the premodification principal and interest payment.
In essence, the letter said that Citi was unable to approve my request for mortgage assistance for the Citi Supplemental 2nd lien program because the requirements of that program were not met. Nowhere in this letter does Citi explain what these requirements are, or in what ways my application did not meet them. That reason or non-reason does not satisfy the most minimal standards for consumer protection or lender transparency.
The XX/XX/XXXX letter informed me of my right to an appeal and promised that Citi would conduct an independent review of the denial of my [ application for loan modification ]. I was informed that the expected time frame for such a review was 30 calendar days, which would seem consistent with a thorough re-examination of the application, but it took Citi only 8 days to write the XX/XX/XXXX letter denying my appeal ( also submitted ).
The ultimate basis for the decision that unfortunately [ my ] mortgage terms will continue to remain unchanged was word for word, verbatim, the above-quoted section from the XX/XX/XXXX letter that the Citi Supplemental 2nd lien program requirements were not met. The only difference is that the XX/XX/XXXX letter informs me that prior to arriving at this conclusion Citi had conducted a comprehensive review of the information you submitted regarding your NPV inputs ... Except that I did not submit any information regarding NPV inputs because I have no idea what NPV inputs are. Was this an error ( perhaps some other applicant submitted information regarding their NPV inputs )? Perhaps the lack of NPV input information explains why it took only 8 days instead of 30 to consider my appeal. Confusing jargon to further obfuscate why Citi would not help me? Or was this a deliberate fabrication to dress up the appeal decision and make it look as if a true, considered review had been taken. That viewpoint is certainly supported by the simple repetition of failure to meet the unspecified requirements of a program in some unexplained way.
What is particularly cruel or callous about the outcome of my particular case is that Citi had choices other than pressuring me into foreclosure by ever-higher interest rates and monthly payments. Unlike homes that are now worth considerably less than the debt they carry, Citi has the luxury of a significant cushion protecting its interest in this property and its own data support that assessment.
At the last minute, despite having notified me my application was complete, Citi required that a new appraisal of the property be performed before a final decision. ( A previous appraisal in XX/XX/XXXX, performed in connection with my earlier application for modification, valued the property at {$620000.00} ). The most recent appraisal, dated XX/XX/XXXX, valued our home at {$940000.00}. The outstanding combined balance on the primary mortgage and the HELC is approximately {$250000.00}. Thus Citis own appraiser documents that the excess equity after paying off both the primary mortgage and the HELC is over {$600000.00}. Even allowing for fluctuations in the housing market Citi can never lose its investment and is guaranteed payment when the property is sold.
Citi is thus in a position to offer a modification that would allow us to stay in our home long enough for two things to happen : My XXXX child can move out into supported housing and then the apartment is put on the market for a regular ( as opposed to foreclosure ) sale. After all the debts are paid there will be enough money for me to find a place to live.
The first piece is for my son ( who is XXXX and has several serious XXXX ) to obtain a place in a supported housing program. He has already been approved by the agency that administers the housing placements ( I can provide Citi with a copy of the approval letter if that would facilitate a modification ). He has two interviews in the next three weeks and there are other possible options if those programs are not a good fit. The only question is timing - how long it will take to find a suitable placement and whether or not there is a waiting list for a place. I have little or no control over those factors but there is little harm to Citi in waiting long enough for this to happen.
I can not move forward with putting the apartment on the market until my son is settled in a good placement ; the transition to living semi-independently has already shaken his fragile emotional stability, but the horror of losing his home to foreclosure before then, and the specter of homelessness, is what would push him right over the edge.
Once my sons situation has been resolved, my plan is to hire a local real estate firm and list the apartment for sale. I have been closely monitoring the listing and sale of apartments in this building and comparable properties in the neighborhood. Our apartment has two bedrooms, but a one-bedroom apartment in the building sold in XX/XX/XXXX for {$670000.00} ; a two-bedroom apartment in the same line as ours is currently listed for sale at {$770000.00}.
All we need is for Citi to be fair and reasonable. If they can only give us time they will get their money.
|
| 06/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2021, between XXXX and XXXX PT, I received a text notification regarding a charge from XXXX for {$420.00} on my Citibank Costco Visa credit card. I was notified of this transaction immediately because I am enrolled in text notifications for any transactions that occur on my credit card. My husband, an authorized user of the account, also receives text notifications for transactions that occur on this credit account. My husband contacted me immediately to ask if I made a large purchase on XXXX. I told him I did not, and I verified with him that he also did not make any purchases on XXXX in this amount. I then checked my XXXX account, which I also share with my husband, and it showed no orders or transactions in the amount of {$420.00} in any of my past order history. After conferring with my husband, verifying that neither of us made this transaction and there was no such transaction in my XXXX account, I contacted Citibank Customer Service at XXXX.
I spoke with a customer service representative who I explained the situation as above, and the representative stated that I would be transferred to the Fraud Department to speak with someone regarding the fraudulent charge. The representative asked me whether I enrolled my credit card into a Mobile Wallet app such as XXXX XXXX or XXXX XXXX on XX/XX/2021. I told him no, I did not enroll my credit card into a Mobile Wallet on that date, however, it had been enrolled in XXXX XXXX prior to XX/XX/2021. At this point, I was transferred to a person in the Fraud Department.
The woman in the fraud department facilitated the closing of the credit card, and then had a new card reissued to me, and told me it would arrive within 4-7 business days. She again asked whether my card was enrolled in a Mobile Wallet app such as XXXX XXXX XXXX XXXX, XXXX XXXX, etc. on XX/XX/2021. I reiterated that I did not enroll my card in any Mobile Wallet app on that specific date, however, the credit card was enrolled in my XXXX XXXX prior to XX/XX/XXXX. She then revealed that the reason why she asked was that the transaction came through XXXX XXXX. I told her that I do not own a XXXX phone, but I have an XXXX, and therefore do not have the ability to use XXXX XXXX with my phone. She asked me if I would like to dis-enroll the Citibank card from the XXXX XXXX, and I told her yes. She processed that request. I then asked her to also dis-enroll the card from my XXXX XXXX account as well, in case my XXXX XXXX account is compromised and the card will no longer be valid either way. She processed that request. She then informed me that the investigation will take a few days, and it usually takes about 4 days for them to process any conditional credits to my account, which would then be permanent credits after the investigation is complete. I thanked her for her time.
On XX/XX/2021, both my husband and I received new Citibank Costco Visa credit cards in the mail and I activated my card. I then logged into my Citibank account in order to pay my statement balance, but when I checked to see whether the XXXX charge of {$420.00} had been taken off my account or if I had been given a conditional credit, I saw that the transaction had actually posted to my account. I called Citibank customer service at XXXX and spoke to a customer service representative. I explained the events that occurred on XX/XX/2021, and inquired as to why the transaction had posted to my account. The customer service representative then informed me that, for an unknown reason, the transaction had not been marked for review for fraud. She indicated that she will mark it for review at that time. Again, she explained that it would take around 4 days for the transaction to be reviewed and I could call again to follow up on the status of the investigation. I thanked her for her help.
On XX/XX/2021, I again checked my account to see whether I had received any conditional credit for {$420.00} or if the transaction was taken off of my account. I discovered that the transaction was still posted to my account. At this time, I decided to go on the Citibank Mobile App and dispute the charge through the app. I received confirmation through the app that I would receive a letter shortly regarding the dispute.
On XX/XX/2021, I called Citibank customer service to follow up on the status of the fraudulent charge. The representative indicated that the Security Department was closed at that time, and he was unable to look further into the transaction, and to call the next day when the department would be open so I could speak to someone in the Security Department directly.
On XX/XX/2021, I called Citibank customer service again to follow up on the status of the fraud charge and asked to speak to someone in the Security Department directly. I informed the representative that I had been trying to get this transaction resolved for several weeks now, and I have not been provided with any updates as to the status of the investigation. She informed me that she was limited on what she could see on her end, and that I would need to speak to someone in their Security Department, which was only open during the weekdays. She provided me the direct number to the Security Department and the available hours I would be able to speak to someone directly.
On XX/XX/2021, I received a notification via email that I had correspondence from Citibank. I logged into my Citibank Mobile App and viewed the correspondence, which was titled " An Update On Your Dispute. '' It was a simple form letter indicating that Citibank was looking into the unauthorized charge on my credit card and they would contact me if they needed additional information. At this point, I was satisfied to finally receive something in writing that Citibank was investigating the fraudulent charge. This is the only letter I have received from Citibank regarding this fraudulent charge to date.
On XX/XX/XXXX, after yet another week of no updates regarding the transaction, I called the Citibank Security Department directly at XXXX and spoke to a representative. I explained to the representative all the events as stated above, and that as of this date, I still have not received any further updates regarding this transaction, even though on two of the initial calls I made to Citibank, the representatives informed me that it would only take a matter of days to resolve. I was frustrated that I notified Citibank about the fraudulent charge immediately when it occurred, and after nearly a month, it had not yet been resolved.
The representative then informed me that my fraud claim was denied. When I asked why, she asked whether I had an authorized user on my card. I stated yes, my husband is an authorized user on the account and is the only authorized user. She then asked if our cell phone service was through XXXX XXXX, and I stated yes. She then said that the investigation concluded that the transaction was made by an authorized user through a XXXX XXXX XXXX XXXX XXXX, and that everything in the notes that she was reading indicated as such. I was confused how the investigation came up with that conclusion because the transaction was made using my credit card number. My husband has his own credit card as an authorized user and it has a completely different number, and my husband has never even used a XXXX XXXX before. Between the two of us, I am the only person who has used a Mobile Wallet and I only had it enrolled on my XXXX XXXX account. It had never been enrolled on any XXXX XXXX account that neither I nor my husband are aware of.
The representative stated that she would " kick it back '' to the investigator and inform them that I am still disputing this charge, but that is the most she will be able to do for me. I then asked what I was supposed to do once it came time to pay my statement balance, because I do not want to pay for the {$420.00} transaction and be held liable for it. I stated that I can not dispute the charge with XXXX because there is no such transaction on my XXXX account in order for me to bring them a dispute to review. I am concerned about it accruing interest if that transaction lingers in my account for several cycles, seeing as it took Citibank a month to investigate and review this charge. She advised that I should at least pay the minimum balance due for the card so as to not adversely affect my credit score for non-payment. She then stated that it should take about 5 days for me to hear something about the investigation of this charge, and if it gets resolved, any accrued interest would be taken off of my account. I thanked her for her help. This was the last contact I made with Citibank prior to filing this complaint.
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| 09/06/2023 |
Yes |
- Credit card
- Store credit card
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have asked this company to remove my financial information from my consumer reports and they denied it. Because of this, they have defamed my character and caused me damages. I could not purchase a home or get approved for another credit card. I demand that this company complies with federal law because they have violated both my privacy and FCRA laws 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with sectio
n 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
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| 08/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Citibank is retaliating against me and closing/canceling my credit card account in retaliation to a dispute I had with Citibank over a My Best Buy Visa credit card account.
I had a My Best Buy Visa Credit card issued by Citi. The credit card expired in XXXX of XXXX. I received a letter from Citi dated XX/XX/XXXX, stating Unfortunately, as the result of a recent review of your account, we regret to inform you that you My Best Buy Visa Platinum account will not be renewed beyond the expiration date on your credit card. Our decision was based on a credit scoring system that assigned a numerical value to various items on your existing account and credit report. The result did not meet our requirements due to the following reason ( s ) : Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high, length of time accounts have been established, number of bank/national revolving accounts with balances, and too many inquiries last 12 months. Our credit decision was based, in whole or in part, on information obtained in a report from the following consumer reporting agency : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX, XXXX, XXXX.
I complained to Citi multiple times asking them to reconsider their decision and if they could/would not reconsider their decision if there was a settlement and Citi refused to reconsider their decision and or offer a settlement claiming that the law and or government regulations ( Citi never identified any specific law or government regulation they were referring to ) prevented them from offering a settlement however, after Citi charged me {$890.00} in late fees and interest Citi offered a settlement for 50 % of the balance. Citi later referred the account to a collection agency that eventually sent the account back to Citi.
On XX/XX/XXXX, Citi filed a lawsuit against me regarding the My Best Buy Visa credit card account. On XX/XX/XXXX, Citi and I through Citis counsel agreed to a settlement in the My Best Buy Visa credit card account case. On XX/XX/XXXX, Citis attorney filed a Notice of Voluntary Dismissal With Prejudice.
Citi also refused to remove the account from my credit report with the three major credit bureaus claiming that they are required or obligated to report the account on my credit report with the three major credit bureaus. On XX/XX/XXXX, Citi deleted the account from my credit profile with the three major credit bureaus.
I had a Macys American Express credit card account issued by Department Stores National Bank or DSNB ( which is a subsidiary of Citi ). In XXXX of XXXX, DSNB allegedly conducted a review of my Macys American Express credit card account and decided to lower my credit limit by {$100.00} or from {$2000.00} to {$1900.00}. In XXXX of XXXX, DSNB decided to conduct another review of my Macys American Express credit card account and again decided to lower my credit limit by {$100.00} or from {$1900.00} to {$1800.00}. The reason ( s ) given on the notice/letter dated XX/XX/XXXX, informing me of DSNBs decision to lower my credit limit {$100.00} list number of revolving account with high usage ( DSNB decision was based on a copy of my credit report DSNB obtained from XXXX ) even though the My Best Buy Visa credit card account was listed on my credit report with all three major credit bureaus as delinquent and or charged off.
In XXXX of XXXX, approximately three to four months after DSNB allegedly conducted a second review of my Macys American Express credit card account, DSNB obtained another copy of my credit report from XXXX. In XXXX of XXXX, I received a letter dated XX/XX/XXXX, informing me that my Macys American Express credit card account would not be renewed beyond the expiration date on the card which was XX/XX/XXXX. Some of the reasons listed are serious delinquency and time since the delinquency is too recent or unknown which is referring to the My Best Buy Visa credit card account because that was the only negative item on my credit report. This decision not tor renew my Macys American Express credit card account was made approximately eight months prior to the cards expiration. I believe this decision was in part due to my dispute with Citi ( which DSNB is a subsidiary of ) regarding the My Best Buy Visa credit card account. Notice the timing of DSNB conducting a third review of my Macys American Express account approximately three to four months of the previous review DSNB conducted in XXXX of XXXX and this review and decision is one month after the settlement agreement in the My Best Buy Visa credit card case was executed by both parties on XX/XX/XXXX. Citi never conducted regular reviews of the My Best Buy Visa credit card account and the decision not to renew the My Best Buy Visa credit card account was made after the card expired and the decision not to renew my Macys was made approximately eight months prior to the cards expiration and not a month before the card expires or after the card expires. DSNB claims that their decision not to renew my Macys American Express account is not in retaliation for my dispute with Citi regarding the My Best Buy Visa credit card account however, the evidence suggest differently, and I respectfully disagree.
I complained to DSNB multiple times and each time I get a response stating that DSNB regularly reviews credit report data to determine if our cardholders continue to qualify for their accounts in a letter dated XX/XX/XXXX, and Macys credit card accounts are reviewed on a regular basis to determine if an adjustment to the accounts credit limit is needed and to ensure the customer still meets the established eligibility requirements to maintain the card in a letter dated XX/XX/XXXX. The letters I received from DSNB also seem to suggest that DSNBs actions are required by federal law stating Under federal law, we must determine the applicants ability to repay credit. DSNB fails to explain that after determining that I no longer meet their eligibility requirements to maintain or qualify for a Macys American Express credit card and that I no longer had the ability to repay credit why DSNB left the account open until XX/XX/XXXX and allowed me to continue to use the account until XX/XX/XXXX, even though the c
ustomer agreement allows DSNB to close the account or suspend privileges at any time for any reason and without prior notice to me. On of the letters I received from DSNB goes so far as to say Creditors are permitted to
determine the level of risk the are willing to undertake when issuing credit and evaluation if customers continue to meet the risk assessment after suggesting that DSNBs actions are required by federal law. DSNB never identified any specific laws or government regulation they are referring to.
DSNB also refuses to remove this account from my credit report with the three major credit bureaus once again claiming that they are obligated or required to report this account on my credit report with the three major credit bureaus even though the evidence in the Best Buy case shows different and that the account can be removed from my credit report with the three major credit bureaus at the credit grantors request.
I also have a Macys store credit card account and in XXXX of XXXX, DSNB decided to reduce my credit lime from {$800.00} to {$100.00} despite there being a zero balance on the card.
I have a Costco Anywhere Visa credit card account that is set to expire in XXXX of XXXX and once again Citi has decided not to renew the account. The reason listed on the letter/notice specifically list the reason that my account will not be renewed and a new card will not be issued is due to a bankruptcy ( which no bankruptcy was ever filed by me or pending ) or charge-off on another credit card account issued by Citi. The notice does not specifically state which account they are referring to and the Best Buy account is not listed on my credit report.
Citi initiating a lawsuit to collect a debt they claim that I allegedly owe them, and the lawsuit is settled more favorably to me and Citi did not get the desired judgment or amount they were counting on or outcome Citi wanted is not grounds for retaliation. Citi was represented by counsel, and I was a pro-se litigant and was not represented by an attorney. Cit was provided the opportunity to review the settlement agreement and discuss the settlement agreement with their attorney. Citi had the opportunity to reject the settlement agreement and proceed to trial however, Citi chose to accept the settlement agreement and not go to trial. Citi is blatantly admitting to retaliation after claiming that they dont retaliate.
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| 06/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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XXXX XXXX paid XXXX with Citicard {$100.00} to book cruise Departing XXXX XX/XX/XXXX XX/XX/XXXX paid XXXX balance for cruise of {$9800.00} with Citicard XXXX XXXX paid XXXX {$290.00} with citicard for a shore excursion on cruise departing XXXX XX/XX/XXXX.
XX/XX/XXXX covid hit Cruise cancelled, we received cruise credit for the amounts above.
XX/XX/XXXX rebooked same cruise for XXXX XX/XX/XXXX, booking held with cruise credits. Same cruise but cost was higher. A balance was due XX/XX/XXXX.
XXXX, XXXX Cruise was cancelled because of covid. CDC was not allowing cruises.
XXXX, XXXX requested refund from XXXX for the {$100.00}, {$9800.00} and {$290.00}. They refused but re-instated the amount in cruise credits.
XX/XX/XXXX I started three disputes with citicard to get refunded for the cancelled cruises one each for the {$100.00}, {$9800.00}, and The {$290.00}.
XX/XX/XXXX CITI sent letter requesting more information on the disputes. Since we decided to use the cruise credits to book a future cruise, I tried to withdraw the disputes with the online system. The system let me withdraw the {$100.00} dispute but would not let me withdraw the other 2 ( {$9800.00} and {$290.00} ).
XX/XX/XXXX We booked another cruise, this time to Alaska. Booked XX/XX/XXXX with the cruise credits for departure XXXX XXXX.
XX/XX/XXXX I communicated with CITI via chat to get the other two disputes ( {$9800.00} and {$290.00} ) withdrawn. XXXX was the representative. Couldnt help me so I was supposedly passed to disputes. The chat ended with me not being connected to anyone.
XX/XX/XXXX Received a letter stating that more information was requested on XX/XX/XXXX for the 2 disputes ( $ XXXXand {$290.00} ) that I thought were withdrawn. The letter stated that since Citi had not heard from me the disputes were closed.
XXXX XXXX XXXX notified us that the XXXX sailing we had booked was cancelled and since we had been thru 2 or more cancelled reservations we could request a refund. Which I have done. I received the refunded amount on XX/XX/XXXX for the total {>= $1,000,000}.
XX/XX/XXXX I contacted CITI via chat to ensure the disputes were all coded as withdrawn as requested in the XXXX chat. I connected with XXXX who couldnt help so she passed me to XXXX. Agent XXXX assured me that she could and had coded the disputes as withdrawn. Although they still do not show as withdrawn with the XX/XX/XXXX date.
XXXXThe CITI billing comes and much to our surprise has {$9800.00} and {$290.00} charges to XXXX on the billing. This is clearly a CITI billing error since those charges were billed and paid in XXXX and XXXX.
XXXXstarted chat to get erroneous billing resolved and was told we had to call. Wife and I called the number provided and after long discussions were told the dispute team would get resolved in 7 business days or less.
XX/XX/XXXX The erroneous charges are still showing on my account 10 days after the call to get it removed and a new bill issued.
XX/XX/XXXX started chat got XXXX. After lengthy chat he understood the issue but didnt have access to records far enough back to see what I was telling him my records show ( this included our statement from XX/XX/XXXX that contained the {$9800.00} charge and the email showing I paid the balance of that statement ). XXXX had to escalate since he could not get the information to handle the issue.
He also informed me that he didnt see any escalation from the XX/XX/XXXX call on this issue. So apparently those/that agent just blew it off. Citi should review that call and TRAIN the person that didnt do their job.
Agent XXXX assured me that I would be contacted ( I requested email ) and resolution in 3-5 business days. At that point I requested that the record show that Ive been trying to get the dispute withdrawn and all that has happened is me getting Billed 2x for the cruise we didnt take.
XX/XX/XXXX called dispute center. Talked to XXXX, He could see that no conditional credits were received for the dispute and stated he would send to investigator and it would be resolved. But if I had to call again, tell the agent I talked with to look at 2 years of charges and see that no conditional charges were credited. He also said we should pay the {$9800.00} and {$290.00} that had been billed erroneously if possible and we would receive a credit again within 5 business days. We paid the bill.
XX/XX/XXXX XXXX refunded the amount we originally paid for the cruises that were cancelled, but the two erroneous charges from XX/XX/XXXX were still not resolved.
XXXX XXXXnot resolved still no credit, Called again. Dont have the name but Citi has the records. She said she could see the notes about no conditional credit and the 2x billing and would follow-up and make certain the investigator resolved the issue within 5 business days.
XX/XX/XXXX not resolved still no credit. Called again and got XXXX. He could see the notes that we had erroneously been billed again and said we will receive credits by XX/XX/XXXX.
XX/XX/XXXX not resolved still no credit for the erroneous charge of {$290.00} and {$9800.00}. So seems that the training the people I have talked and chatted with have is to kick the can on down the road rather than resolve the issue. Since my efforts to call and chat with citi agents only to get no results, thought maybe opening a dispute against Citi will get the right people involved to resolve the issue and return the {$290.00} and {$9800.00} as credit to my account. Do not mistake the refund from XXXX for these amounts as resolution that is a refund for the three cruises we paid for that all got cancelled.
XX/XX/XXXX not resolved still no credit for the erroneous charge of {$290.00} and {$9800.00}. So seems that the training the people I have talked and chatted with have is to kick the can on down the road rather than resolve the issue.
XX/XX/XXXX call dispute center again talked with XXXX. She informed me that a supervisor has approved the credits and assured me the credits will be applied for both the {$290.00} and {$9800.00} amounts by the XX/XX/XXXX billing cycle end. I requested the credits be applied today or tomorrow since they were approved and then I could see them online. She could not make that commitment. After so many false promises how can I believe this will happen?
XX/XX/XXXX emailed executive response unit with above information requesting resolution got the following Citi Reference Number : XXXX Hello XXXX, Thank you for contacting Citibank. Your concerns are a priority for us, and we appreciate your patience as we investigate the inquiry.
We work to resolve cases as quickly as possible and aspire to resolve all of our cases within a maximum 15 calendar days. If your case is time sensitive, please note that we try to take that into account to make sure you get the help you need as quickly as possible. We will contact you shortly if we require any additional information.
In the meantime, should you have any questions or wish to provide further information regarding this matter, please feel free to call us at XXXX. XXXX Our business hours are Monday Friday, XXXX XXXX XXXXXXXX XXXX, CT, with the exception of holidays. You may also reply to this email to arrange a specific time for a call.
So I called and got XXXX requested a posting in next 2 days that I can see online. She basically said it was being worked and someone would call me within 24 to 48 hours. Surprise, surprise that call never came!!
Sent second email as follows Thanks for the reply. This issue has been being worked with 2 chats, one email and 7 phone calls for over 30 days ( more than double your 15 calendar day maximum ) and I can't tell that I am any closer to getting my {$290.00} and {$980000.00} credit I've been promised since XX/XX/XXXX I would like someone that has some authority to call me tomorrow XX/XX/XXXX preferably XXXX central time at XXXX XXXXNo call, no email and no resolution since corresponding with the executive response unit on XX/XX/XXXX.
I have been a loyal customer, always paid my bill in full, never late, as well as the {$290.00} and {$9800.00} I do not owe only to be told by Citi employees that they can see the error on their part with a promise for correction that never happens. Since I have been told so many times it will be corrected within 5-7 days, I have no confidence that the XX/XX/XXXX closing will have the credits. My request is simple, post the credits due now so I can see them before the next billing cycle.
I sincerely hope you can help bring this significant error to the proper citi management so that a resolution can finally be achieved.
XXXX XXXX Citi double cash card ending in XXXX
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| 04/07/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX, I had contacted Sears to get a quote on their air duct cleaning service. I spoke to a representative and was given several prices based on the number of vents to be cleaned throughout the home. I had set up an appointment for a technician to be sent out to my home to verify the number of vents to be cleaned. When XXXX, the technician, showed up he went straight to the basement to look at the furnace. After he had looked at the furnace, he told me that there was mold build-up that had to be removed. When I asked for him to show me where the mold build-up was in the furnace he had showed me a picture that he had taken and then showed me another picture of how the furnace is supposed to look if cleaned. XXXX told me that if I did not get the mold build-up removed in the furnace that it would cause serious problems later when the air conditioner is cut on. I then asked him what would have to be done to remove the mold. He presented me with a service that was really expensive where I told him that I was not paying that much money to do what had to be done about the mold. He then told that me if I sign up for an account with Sears that the first service performed would be free of charge and if I decided to use it again for anything else that I would have to pay for it. At the time he told me that, I did not believe that Sears would clean all the vents and treat the mold build-up in the furnace for FREE. XXXX also explained the same thing to my mother who was there with me and he verified with her the same thing about the first service being free. After talking to XXXX and was thoroughly explained that the first service would be free I signed up for the Sears account on the note that the service would be free. When I looked at the contract that XXXX presented to me, I noticed that the grand total was listed as {$4100.00}. When I saw that I asked him why was the grand total listed when he explained to us that the first service would be free of charge. He told us that the grand total was listed as what that service would cost if I had paid for it without the first service being free as was explained to us. XXXX told me to call Sears with the authorization code listed at the bottom of the contract a week after the service was done to verify that the total to be paid would be {$0.00}. As I was waiting for the people to come out to do the air duct service, I had called Sears back and told them to cancel the appointment because I felt unsure about what XXXX told me about the service being free. After I had cancelled the appointment, XXXX called me and after Sears had contacted him and asked me why did I want to cancel the service. I told him that I after thinking about it I could not believe that the service he scheduled would be free and that I did not want to go through with getting the service done. I also told him that I did not want to commit myself to something that would be discovered false after the fact. Again, he told me that this service would be free and told me to make sure that I call Sears with the authorization code to verify that the balance is {$0.00}. A week later, I had called Sears with the authorization code and told me that the balance was {$0.00}. After I had been told that I was confident that what XXXX told me was true. On XX/XX/XXXX, I got a bill from Sears showing the {$4100.00} and that a minimum payment of {$76.00} is due on XX/XX/XXXX. I called XXXX at XXXX XXXX on the same day to ask why I received a bill when he told me that the service was free. I left a voice message for him to call me back as soon as possible to explain the bill I had received. At XXXX XXXX, XXXX returned my phone call and I told him about the bill I received and asked why was I was getting it when he told me that the service was free. He told me that 10 other customers had complained about the same thing and told me something about Sears switching to a new system and that they are currently working on fixing because it was showing customers being billed when they should not be. XXXX told me to call him a week later to get that resolved. He also tried to offer me something where I would have to pay $ XXXX/month and I told him that my main concern is getting the {$4100.00} balance resolved. He tried telling me that with what he was offering that it would cover appliances, new floors, etc. I told XXXX that I had already signed up with another company to cover my appliances and that I am not interested in getting anything done with my floors. He told me to think about in the meantime I would be waiting to call him back in a week to get the balance straightened out with the service that was done that was supposedly be free.
On XX/XX/XXXX at XXXX XXXX, I called XXXX XXXX to check and verify if the new invoice was requested to be mailed to me and spoke to XXXX, a representative who told me to call Sears Air Duct Cleaning Services to confirm that. At XXXX XXXX I call Sears Air Duct Cleaning Services and spoke to XXXX to verify if the new invoice had been requested to be mailed to me. She had told me that XXXX had put in a request for me to receive the new invoice and that she would speak to her manager when he returned in the office. XXXX told me that they will mail out the new invoice so that I can receive it by Monday, XX/XX/XXXX and to call her directly if it has not been received. On XX/XX/XXXX at XXXX XXXX, I spoke to a customer service representative and asked if I could speak to XXXX whom I previously spoke to and was told that they were unable to transfer me directly to her. The representative I spoke to confirmed that a new bill would be sent to me showing a XXXX balance. I was told that the bill would be sent out at the start of the next billing cycle which starts on XX/XX/XXXX. I received the new invoice that had a {$0.00} balance on it and called Sears Credit Card Services and confirmed it.
On XX/XX/XXXX, I received a letter from Sears Card Member Services informing me that the investigation has been completed and that I will be rebilled for the amount disputed. I called Sears Card Member Services and spoke to a representative who told me that the {$0.00} balance was only temporary while the dispute was being investigated. I was transferred to another department where I spoke to another representative and explained the reason for my dispute and requested to continue my dispute. I also requested if I can escalate the matter to corporate so that I can speak to someone at a higher level and explain all the details of what happened. The representative had created a case number for me and told me that someone would contact me.
On XX/XX/XXXX at XXXX XXXX, I had received a follow-up call from a representative from Sears. I explained to the representative that I had received a letter from Sears Card Member Services telling me that the disputed charges were being reverted and that I would like to continue this dispute because I was falsely told by the Sears associate that I would not be billed for it and was promised after contacting him that the bill amount would be resolved. I also received an e-mail from the Sears Processing Team informing me that I have to resubmit another letter of dispute to the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, OH.
On XX/XX/XXXX I spoke to a representative at the Sears National Claims Center and was told that I was contacting the wrong division because they do not handle dispute charges on credit card accounts and had advised to me to contact the credit card company where I had initially sent my dispute letter. I contacted the credit card company and was told that I have to contact Sears Air Duct Cleaning. At XXXX XXXX, I had called Sears Air Duct Cleaning and had asked a representative who do I need to speak with to explain my issue and to get it resolved and was told that I have to speak with someone on the Quality Control team. I had been forwarded to the Quality Control team and was sent to a number that was not in service. I had called back and asked to be transferred to the Quality Control team and was again sent to a number that was not in service. I had given the Sears Air Duct Cleaning number to my mother to call and ask to be transferred to the Quality Control team and she told me that she was also sent to a number that was not in service.
On XX/XX/XXXX at XXXX XXXX, I called Sears National Claims Center and was told by a representative after explaining the situation that I need to contact Sears Air Duct Cleaning to get the billing issue resolved and that there was nothing they could do since this issue was outside of their department.
|
| 09/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
On XX/XX/2020 I called Citi, one of my credit card companies and inquired about a balance transfer offer. I was told that I could have 0 % interest for 12 months so I agreed to transfer {$3300.00} to my Visa card ending in XXXX with my local credit union, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. I was able to get an ID number from the employee at Citi and that was XXXX. The employees name was " XXXX ''. We went through the balance transfer transaction details and I gave her my credit union information including the Name of the Credit Union, my Visa card number, address, and the phone number of my credit card company that was to be paid. I asked to have a confirmation sent to me, and just received a letter saying thank you for your balance transfer but no specific details. I understood that it would take some time for the balance transfer to show up and pay off my credit union credit card. I waited a few weeks because distance learning school had started and wildfires had broken out in my area of California, and by the time I remembered to check my balances it had already been a few weeks. When I checked my credit union balance I noticed that no transfer had been made. No money had come in to XXXX XXXX XXXX XXXX XXXX from Citibank.
After checking my credit union visa balance, I called Citiright away on XX/XX/2020. I talked with an employee by the name of " XXXX ''. They informed me that they wired the funds to a company named XXXX XXXX. I told them that I had never heard of that company before and to verify the details of my transfer. They said that they had the same credit card number as mine, but the name of the company that got paid was not my credit union visa ( XXXX XXXX ) but instead an unknown company to me named XXXX XXXX. I told them that this was a major error and that I needed it to be corrected immediately so that I would not have double my credit card debt. They said they would open an investigation it would take 7 to 10 business days to hear a response. They asked for authorization to talk to my credit Union, XXXX XXXX XXXX XXXX. I gave them authorization immediately and informed my credit union that they would be contacting them. My credit union representative that I spoke to was named XXXX XXXX.
Then I talked to a supervisor at Citi named " XXXX '' On XX/XX/2020. She logged in my complaint and took down XXXX XXXXXXXX XXXX XXXX phone number.
On XX/XX/2020 I called in for an update and talk to an employee named XXXX. They said they were no updates.
On XX/XX/2020 I called in for another update and was referred to another supervisor named " XXXX ''. She informed me that it appeared that I have done nothing wrong and that my balance would reflect the credit of the transfer amount {$3300.00} and then I would receive it in my next statement.
On XX/XX/2020 I received a letter ( dated XX/XX/2020 ) that they were responding to my inquiry/dispute, and found that the company named XXXX XXXX was paid and that they consider their investigation resolved and were adding the disputed amount of {$3300.00} back to my Citi credit card balance. This is infuriating as I have never heard of this XXXX XXXX company before. I called my XXXX XXXX XXXX rep, XXXX XXXX and she said that she hadn't heard from Citi at all. I believe that Citibank erroneously entered my bank account information and therefore sent my money to a random company that Ive never heard of before named XXXX XXXX. I received a copy of the wire receipt with this letter from Citi dated XX/XX/2020, and the " Payee '' is listed as my XXXX XXXX XXXX XXXX XXXX cardnumberending in XXXX, with the name XXXX XXXX below it and a PO Box from XXXX XXXX Missouri. This seems fraudulent and I hope that someone can help me get my money back from Citi or this random company that Citi sent it to. How could my exact credit card number from a California credit union be associated with an unknown company in XXXX XXXX Missouri? When I signed up for this balance transfer on XX/XX/2020, I agreed to their terms and we went over the information and the visa account info over and over and Im pretty sure they have a recorded conversation. They will not acknowledge that they have it though. Citibank told me in the letter to contact XXXX XXXX to find out where my money went. This is unbelievably unfair as I do not know who that company is, and it was Citis error. Citi should do what is right and honor the original balance transfer agreement which is only a phone conversation ( of which they probably have a copy of and they are not being transparent when I ask for their records XXXX and I do not have any documentation from them with specific info about the balance transfer transaction. The only thing they sent was a letter thanking me for accepting the special offer that they botched.
On XX/XX/2020 I talked to a supervisor named XXXX and he wanted to open up another investigation/dispute but wanted my full Social Security number and due to the fraudulent nature of the circumstances with Citibank, I was uncomfortable providing that.
On XX/XX/2020, I spoke with a friend in the mortgage business and she said that going to a local Citi branch probably wouldnt help me. She told me I should contact the Consumer Finance Protection Bureau and the State attorney general. I finally found a website for a company called " XXXX XXXX '' based on a lead from her friend who is a mortgage broker. I went to the site XXXX XXXX XXXX and could not find any phone numbers, so I filled out an online contact form and have yet to hear back from anyone. I have little confidence that I will, because Im not even sure its the same company that accepted the wire from Citi, and I am most definitely not an account holder with them or a customer of theirs. I have not received any good or any service from this company, XXXX XXXX, yet it shows up as a charge on my Citi statement. This is not right, and not good business on Citi 's part.
On XX/XX/2020, I spoke with XXXX at the CFPB, he suggested I fill out a form online for the fastest results. He said I could call the California Department of Corporations, the California Attorney General legal services, and possibly even the police to file a report. I then decided to give Citi one more call. I talked to XXXX who referred me to a supervisor named XXXX. She said that she looked back at XXXX records and that they dont have a complete record of my phone call regarding the balance transfer transaction on XX/XX/2020! She did say that she acknowledged the recipient shouldve been XXXX XXXX XXXX XXXX visa. She did not confirm that she could see my credit card number ( which had been confirmed by a previous customer service rep with citi ). My XXXX XXXX XXXX XXXX card number was actually the name of the Payee on their wire receipt along with the name " XXXX XXXX '' underneath which I am not familiar with. Citi misappropriated these funds and they did not make it to the intended recipient ( in terms of our agreement from XX/XX/2020 ). She said that she would open another investigation and personally follow up with me. She said it would take 5 to 7 business days and that she would try to get it expedited as it has already been almost 2 months. On XX/XX/2020 I called the Department of corporations and " XXXX '' referred me to the OCC who regulates national banks. I then called the OCC and spoke with " Sue ''. She told me that I could file a report online and gave me another contact number for Citi. I tried calling the other contact number for Citi and got the same customer service department but I had been speaking with the whole time. I informed a supervisor ( named " XXXX '' I think ) that I wish to cancel my auto pay with Citi and I did not intend to pay any of the disputed amount which was {$3300.00} plus {$100.00} transfer fee. She said she would add more notes to my 2nd investigation, case number ( XXXX ). I then called the CFPB back and spoke with XXXX. She indicated that I could file complaints with multiple agencies and it should not slow down the investigation process with Citi. I contacted XXXX at Citi via their app and he referenced a different case ID # XXXX and claimed that I would hear a response by XX/XX/2020. Please help me, I now have double my credit card debt due to no fault of my own and with no real help from Citi. I would like Citi to credit back the amount of their botched balance transfer ( {$3300.00} ) plus the transfer fee ( {$100.00} ) and any interest charges accrued during this dispute. I was merely taking Citi, a major financial institution, at their word and accepting their routine balance transfer offer and feel like I have been scammed.
|
| 12/07/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Please note I have upload complete letter in attachments. I copied and pasted for site. I apologize if anything is repeated.
n XX/XX/XXXX I noticed a huge discrepancy with the balance of one of the student loans that I co-signed for, for my niece XXXX XXXX.
These loans were co-signed for In the time frame from XX/XX/XXXX-XX/XX/XXXX I co-signed for three with Citibank then XXXX student loans. Ever since XX/XX/XXXX I have had issues with these loans and incorrect payment handling because of these issues primarily I asked several times to be removed as co-signer It is important to note in addition to this I wanted to get payment history for all three loans corrected. All payments prior to XXXX buying one of the loans were made by one payment check and Citibank applied accordingly. Unless I received a collection call then I sent an additional payment. In XX/XX/XXXX I developed a very rare illness and became XXXX so the stress of these calls was too much and I was too sick to investigate and argue most times. I would wait until I felt better and would reach out.
For years I went unsuccessfully round and round with Citibank who refused to help and skirted the issues when I reported it to CFPB. In XXXX, Citibank sold two of the three loans to XX/XX/XXXXand again I filed a report with CFPB Citibank denied the payment issues and XXXX XXXX XXXX Executive Office of Customer Advocacy investigated it. He assigned two people to assist. I I sent years worth of payment history and he corrected my payment history and my credit reports. While I was working with his office in XXXX I heard again from XXXX XXXX who worked for XXXX Office at Citibank. Finally my payment history and my credit report were corrected. XXXX sent me the attached email and Citibank I took their word and verified my credit report. Bank automatically sent payments every month there after.
In XX/XX/XXXX I got a call from XXXX about the one loan they were now servicing for Citibank. The balance compared to the other two loans to be triple. I had been paying fir almost 9 years at this point. I called XXXX and requested a complete payment history. XXXX responded with a very incomplete payment history and for only 2 years and said that they could only go back two years. That the other information was not available. All correspondence done via there online communication that message expire and are deleted So I pushed back and filed another CFPB claim. However, in the two years provided I could already see payments were missing. So I pushed harder to get A complete copy and I filed a complaint again. Again Citibank did not provide payment history information until I got the survey from CFPB asking if I was satisfied with Citibank response. This is when I received the payment history and letter from Citibank dated XX/XX/XXXX. Packaged included Citibanks payment Audit trail from XX/XX/XXXX to current in addition with the cover letter from XXXX. This audit trail is dated XX/XX/XXXX. This audit trail is completely inaccurate and fortunately I still have a copy of the audit trail of all payments received on all three loans that I provided to XXXX in XXXX.
Attached you will find a letter from Citibank and its from XXXX again the same lady I worked with in XXXX who promised that she corrected this payment history and she definitely fixed my credit reports. However, her audit trail provided on XXXX XXXX tells me otherwise as far as loan balance, fees and intentionally not applying or correcting payments.
In her letter she states I was denied from being released as a co-signer because a payment for XX/XX/XXXX was not received however you can clearly see in XXXX XXXX audit trail it was received on XXXX XXXX. On this letter XXXX also very clearly states Citi co-signer release policy. Her policy is worded very different then the actual policy that XXXX XXXX copied and pasted in his official guidelines. In XXXX XXXX letter he confirms no late payments were made in XX/XX/XXXXHistory it shows a forbearance. That Citibank omits. This as well. He also clearly states the need for Citibank to correct there payment history as well.
A comparison of payments on both audit trail Citibank History/Versus XXXX. Remember XX/XX/XXXX loans were Citibank until XXXX one check.
Missing payments on Citibank XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Citibank suggested XX/XX/XXXX to use their online payment system to ensure on time and were correctly applied 5 of these payments from this system not on Citibank audit trail. We tried several times and we tried to set up auto pay to get a reduction in interest rate but this was very undependable and system would become inaccessible for periods of times You can see today that Most of these payments are not in Citibank History. See screen shot of payment history that I took in XXXX and compare it to Citibank Audit trail dated XX/XX/XXXX The first payment XX/XX/XXXX payment not accounted for anywhere on XXXX or Citibank. Ten dollars from millions of customers is free money.
Date discrepancys like XXXX on site Citibank audit trail XX/XX/XXXX are all of this history for loans that interest is calculated daily the applied date is very important to the consumer.
XX/XX/XXXX. Paid on line not on audit trail provided by Citibank {$410.00} XX/XX/XXXX paid online not on audit audit trail provided by Citibank.
I continued to receive calls and emails so I then made multiple payments but collection calls and emails did not stop.
The following are missing payments XXXX and XXXX XXXX audit trail contains but Citibank doesnt. received them letter from XXXX XX/XX/XXXX.
XXXX audit trail contains proof of the following payments That Citibank has not applied on their XX/XX/XXXX audit trail.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX And note there was extra payments made in between. The expense involved and time to go through almost ten years of bank detail will be pursued when the FTC requires this additional information.
Looking at the bottom of XXXX audit trail XX/XX/XXXX payment was received on XX/XX/XXXX. Meaning after their XXXX investigation I was two months ahead in payments.
However none the less collection calls persisted and collection emails did too see XXXX XXXX email.
And when I couldnt get Citibank to fix unapplied payments I made several extra payments XX/XX/XXXX to preserve my credit. XXXX sent confirmation of their payments received them in letter Dated XXXX XXXX.
The missing payments on Citibanks audit trail provided XX/XX/XXXX continued for XXXX Not applied XXXX payments XX/XX/XXXX XX/XX/XXXX Unapplied or misapplied payments continued XXXX Missing payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In XXXX XXXX was hired to handle Citibanks loans however the audit trail says converted to XXXX and my first interaction in XXXX with Citibank they acted as if this was no longer their loan. Call XXXX not our problem. On their audit trail note the wording on XX/XX/XXXX converted to XXXX. The word convert implies a change like XXXX now owns the loan which is what Citibank implied to me as well on phone giving me the constant run around but XXXX was very clear that they did not own the loan.
XXXX of XXXX collections calls started again I found out that Citibank was not forwarding payments to XXXX as they communicated they would. See letter from them with bad information.
Missing payments and copies of cashed checks provided XXXX XXXX. Not applied XXXX XXXX Was applied XXXX XXXX Not applied XXXX XXXX Not applied.
I have retrieved what I believe is sufficient documentation of Citibank deceptive practices. I have thousands of dollars in missing payments. They have knowing changed my payment history. They have refused to investigate and correctly apply missing payments. They have denied me to released as a co-signer on this loan for a missing payment that they knowingly received. Citibanks wording on there letter makes it seem like if you are ever late on a payment you can not release co-signer where as XXXX XXXX documentation clearly states 48 consecutive payments In addition I am filing another complaint with CFPB to ensure this matter is corrected. Other wise I will take to FTC via an attorney. I am sending this to you for action and accountability. I am also sending all this detail to FTC I want this investigated and criminal charges filed.
You will receive multiple emails with detail to support my allegations.
Please contact me with any questions or for clarifications.
|
| 04/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
|
NOTE : The text below is also submitted in attached filename " XXXX '' for easier reading.
This is to file an official complaint against Citibank at XXXX. XXXX XXXX, XXXX XXXX, SD XXXX, for deceptive business practices ( and advertising ) by removing, without previous warning, notice or notification, the Worldwide Car Rental Insurance benefit of the Citi XXXX Preferred credit card, resulting on a personal loss in the amount of {$600.00} in out of pocket expenses that should have been covered by the aforementioned cards benefits.
Besides multiple calls and written chats, six written complaints and attempts to reach resolution were sent to Citibank, dated XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. These were either disregarded, or simply responded to with answers that miss, misinterpret or reach erroneous conclusions about the complaint itself, the issue described, as well as the request for a just resolution and/or refund.
A summary of the timeline of the events ensues, alongside other associated and relevant facts : - The Citi Thankyou Preferred credit card was opened in XXXX. It charges a {$75.00} annual fee.
- The relationship had primarily been satisfactory, and I had used the card for 16 years and charged a large cumulative amount during that period, paying the balance in full every month.
- XXXX XXXX XXXX XXXX XXXX benefit of the Citi Thankyou Preferred credit card, was the principal reason why the card was used for rental vehicles.
In fact, one previous incident claim was made in XXXX of XXXX with the XXXX XXXX XXXX XXXX benefit for damages incurred against a rental vehicle. The claims damage amount was awarded without issues, which reinforced the value of the benefit, and gave further trust on the value of the Citi XXXX XXXX credit card to continue to use it for car rentals.
- On XX/XX/XXXX, an incident with a rental car charged to the Citi Thankyou Preferred credit card resulted in charges for damages in the amount of {$600.00}, which were supposed to be covered by the XXXX XXXX XXXX XXXX benefit.
- After unsuccessfully looking everywhere for the claim form in the website, on XX/XX/XXXX, I called in to figure out how to place the claim. At that time, I was first told that the XXXX XXXX XXXX XXXX benefit was apparently cancelled on XX/XX/XXXX. This left me flabbergasted and confused, as no notice, warning or notification whatsoever was provided by Citibank to advise of this fact.
- This unexpected and not notified cancellation of the XXXX XXXX XXXX XXXX XXXX by Citibank inadvertently opened me to unknown risks, as I kept using the Citi Thankyou Preferred credit card for rental cars from XXXX of XXXX to XXXX of XXXX. Its not unthinkable that Id still be using the Citi Thankyou Preferred credit card to date for rental cards should the incident had not occurred. This is quite unsettling since it could have resulted in a bigger loss. It is also especially upsetting, as I hold credit cards from other financial institutions that provide a comparable benefit, which I would have alternatively used. This did not happen due to XXXX unilateral cancellation and non-notification of the removal of the XXXX XXXX XXXX XXXX benefit.
- On top of this, sending complaints to Citibank proved to be more complex than it should have been. No online reporting forms or mechanisms were enabled or provided, and complains had to be sent via regular mail or fax, since multiple phone calls and virtual chats with Citibank representatives turned into dead ends, in which representatives could or would not transfer me supervisors ( alleging COVID-19 hardships ) and the only recourse given was to send the complaints via mail or fax.
- Thus, on XX/XX/XXXX, my first written complaint ( via fax ) to Citibank was sent outlining the issue, expressing my discontent and asking to see what could be done to resolve it.
- On XX/XX/XXXX, Citibank responded indicating : " The review of your dispute has been completed, and proceed to close the issue without an attempt to address it.
- On XX/XX/XXXX, my second complaint request is faxed to Citibank outlining the disappointment with XXXX XX/XX/XXXX response, and resending the XX/XX/XXXX complaint for XXXX review.
- On XX/XX/XXXX, Citibank provides two responses : 1 ) the first from Citibanks Disputes department, closing my request and transferring the matter to the customer service department ; and 2 ) a response from the customer service department, indicating that nothing will be done, because there are no specific instructions and a different email is specified than the one in your records. In other words and by all practical means, disregarding the request.
- On XX/XX/XXXX, my third complaint letter is fax, reattaching the prior two complaints and outlining the inadequacy and unfitness of the previous XXXX responses.
- On XX/XX/XXXX, Citibank sends a response, which is limited to providing two documents : 1 ) A document titled Your Guide Protection Benefits, which is irrelevant to the matter as it pertains to actual purchases ( not rentals ) made with the Citi Thankyou Preferred credit card, and 2 ) the Citi ThankYou Premier Card - Directory of Services, which in its page 10, specifically includes XXXX XXXX XXXX XXXX as an still current benefit of the Citi Thankyou Preferred credit card.
- On XX/XX/XXXX, my fourth complaint letter is faxed, outlining my desire to get a resolution, especially since the aforementioned Citi ThankYou Premier Card - Directory of Services document includes the XXXX XXXX XXXX XXXX benefit, and Citibank should honor the services it actively discloses to customers.
- No response whatsoever is received from Citibank.
- On XX/XX/XXXX, a fifth complain, this time prepared and sent by an attorney, is directly forwarded to Citibank. This was the result of my request for assistance from a legal firm, which reviewed the matter and concluded theres merit to the claim.
- No response is received from Citibank.
- On XX/XX/XXXX, with the upcoming renewal date for the card, and having made no charges to the Citi Thankyou Preferred credit card, I opt to fax a sixth and final complaint to Citibank. In this sixth complaint letter, its outlined what my next steps will be if the issue goes unresolved. The steps disclosed to Citibank include : 1 ) canceling the Citi Thankyou Preferred credit card account, 2 ) filing official complaints with several federal and state customer protection and financial agencies, and 3 ) reaching out to XXXX Executives.
- On XX/XX/XXXX, having received no response from Citibank, I proceed to CLOSE my Citi Thankyou Preferred credit card account, and to avoid renewal fees.
- On XX/XX/XXXX, an email is received from the Citi Executive Response Team, indicating they're reviewing the issue and stating theyll strive to respond in a maximum of 15 days.
- On XX/XX/XXXX, a response from Citibank is received via email, in which again, the request is declined / disregarded.
My expectations to be able to recuperate or be compensated for the loss suffered, is certainly fading at this point, never mind the time and effort spent in tracking and documenting the matter. Thus, its my hope than bringing this to your attention will at least yield a proper investigation on the matter that may result on proper action against Citibank. I would not report to this issue if I didn't believe that how Citibank acted is wrong, and that no consumer should have to be exposed to risks due to these types of deceptive and shady practices.
In conclusion, Im truly disappointed in how Citibank conducted itself regarding this matter. Not only random benefit removal practices without notice shouldnt be permitted, but the fact that the XXXX XXXX XXXX XXXX benefit remained as part in the Citi Thankyou Preferred credit card benefit materials, after it allegedly was long removed is both shocking and deeply concerning. Add to it 1 ) the lack of interest on understanding the request and providing proper responses to the matters at hand, 2 ) a complex process to timely and properly address complaints, and 3 ) seemly systematic, disinterested and evasive customer service department responses, and it looks like quite effective way to disenfranchise and abuse consumers.
Per all the outlined above, Im contacting you to do due diligence. All of the above is documented and being provided to you with in-order dated filename PDFs. Ill also be happy to answer any questions that should arise.
Thank you in advance for your support, assistance and attention with this matter.
|
| 11/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
Older American |
|
Citi customer service agents have mishandled my account since XX/XX/XXXX. The below summary is what has happened to my account since XX/XX/XXXX to now.
My actions XX/XX/XXXX I submitted disputed charge of XXXX dollars on the Citi Sears MasterCard via website. I disputed the charge because I thought I was using a USPS website to do a change of address. Instead it was a fraudulent website and I was charged XXXX dollars. Citi keeps noting XXXX dollars when the credit card statement and all my submitted emails and letter note XXXX dollars.
Citi actions XX/XX/XXXX Citi sends a postal mailed letter requesting more information about XX/XX/XXXX dispute that was filed.
My actions XX/XX/XXXX I responded to Citi XX/XX/XXXX letter noting the same information in XX/XX/XXXX email with attachment of he USPS noting I was not using their website. This is when I realized somehow I used a fraudulent website impersonating the USPS from XXXX for online change of address request.
Citi actions Date unknown Citi stopped my XXXX autopay ( of {$25.00} XXXX I had previous setup years ago sometime between my credit card closing statements of XX/XX/XXXX and XX/XX/XXXX. BOTH of these statements note YOUR ACCOUNT IS ENROLLED IN AUTOPAY.
Citi froze my card so it could NOT be used.
My actions XX/XX/XXXX I tried to use my credit card while shopping and found out it was declined. Very embarrassing.
Actions between Citi and me XX/XX/XXXX Citi actions I used the Citi online chat to find out why. After a very grueling 1 hour call with a Citi customer service agent I found out that Citi cancelled my XXXX autopay without my permission that was setup previously years prior. Maybe because of the XX/XX/XXXX dispute filed. Because Citi cancelled my XXXX autopay the XXXX bill did not get paid like it normally would on XX/XX/XXXX. Then Citi froze my card.
XX/XX/XXXX My actions On the above chat I had to reset the autopay back to the XXXX of each month like I did years ago. I had to pay the minimal payment XXXX to clear my card so I could use it.
XX/XX/XXXX Citi actions Citi sent me a postal mailed letter saying they did not get a full response from me for the XX/XX/XXXX dispute filed. They listed XXXX dollars vs the XXXX dollars listed in my initial request on XX/XX/XXXX and listed on my credit card statement. Citi closed the dispute taking no action because I did not provide sufficient information. In my opinion I did and I sent them a letter via postal mail noting the same.
XX/XX/XXXX My actions I emailed a complaint to Citi on the website to reopen my dispute case because I was charged by a fraudulent USPS website from XXXX.
XX/XX/XXXX Citi actions Citi reopened my dispute initially posted on XX/XX/XXXX.
Dates unknown Citi actions Citi slashed my credit from XXXX to XXXX sometime between my credit card closing statements of XX/XX/XXXX and XX/XX/XXXX.
Citi slashed my Cash Advanced Limit from XXXX to XXXX sometime between my credit card closing statements of XX/XX/XXXX and XX/XX/XXXX.
AND possibly it looks like Citi erased ALL my Thank you points I have earned since starting with this program in XX/XX/XXXX sometime between my credit card closing statements of XX/XX/XXXX and XX/XX/XXXX. The total points accumulated were XXXX as of XX/XX/XXXX. My account says that You have no eligible promotional balances at this time. I do not know what this means.
XX/XX/XXXX XXXX actions I activated my new world credit cards. I use the credit card so I could receive my monthly medications. It was declined for insufficient funds. Very embarrassing again. I could not receive my medications for XXXX. I have no medications right now.
I called Citi customer service and was on the phone for almost an hour. The Citi agents constantly put me on hold because Citi agents did not how to resolve. Then it was noted that my credit limit was slashed to XXXX. Citi agents could not explain why. This was why my pharmacist received the insufficient funds error. The Citi agents they can not take any further action to resolve.
XX/XX/XXXX and XX/XX/XXXX I emailed two more complaints to Citi via website noting all the above issues that Citi customer service has done to my account and wanted all issues to be resolved so I can use my card like have been before XXXX.
XX/XX/XXXX and XX/XX/XXXX Citi actions Citi replied to my complaints noting I have to call to discuss why the credit limit was slashed. I did that already on XX/XX/XXXX with no reasons.
On XX/XX/XXXX Citi noted they are reviewing my dispute request for credit of XXXX dollars. On XX/XX/XXXX Citi noted they are unable to resolve my dispute of XXXX dollars and closed the dispute. Again all the paperwork I submitted is XXXX dollars. I feel I have submitted what the required information to receive a XXXX credit.
Citi denied stopping my XXXX autopayment. Personally I know Citi cancelled my XXXX autopayment because credit card statements note that my account is enrolled in autopay. Also if you look at my payment history it shows autopayments completed on the XXXX of each month for years except for XXXX that Citi stopped. It shows my minimal payment of XXXX on XX/XX/XXXX so I can use my card again. Even my credit card statements say my account is enrolled in autopay and my next statement balance on XX/XX/XXXX is on autopay that I reestablished on XX/XX/XXXX.
Then Citi noted that my statement with XX/XX/XXXX closing date notes why Citi slashed my credit and cash limits. The statement says I did not pay the bill. In reality Citi cancelled my XXXX autopay which has caused the additional havoc to my account.
Citi noted they can not restore to credit limit.
In summary Citi customer service has grossly mishandled my account. I have experienced the following.
1 Citi supports fraudulent website transactions. Other credit cards companies would have immediately credit customer accounts for charges from fraudulent websites especially charges from companies who impersonate US government agencies. Citi will not credit my account from a fraudulent website. My dispute filed on XX/XX/XXXX is what ultimately started my account being mishandled by Citi customer service.
2 Without customers not being notified AND not getting customers permission Citi does the following to customer accounts after a dispute is filed. My account shows these Citi actions.
A Citi stops autopayments and blame customers for not paying their bill.
B Next Citi freezes credit cards. Later customers find out when they use their card and their cards are denied and can not be used.
C Customers have to fix their accounts online and reestablish was setup up years prior after Citi inappropriately and without permission changed customer account setup. In this case monthly autopay for the statement balance payments each month was reestablished by customer.
D In the meantime Citi slashes the credit AND cash limits. Later customers find out when they get denied with insufficient funds.
3 Finally it looks like Citi wipes out thank you reward points they customers build up over the years. And it looks like Citi took away available promotion points from customers too.
4 Lastly Citi blames the customers for Citi mishandling of accounts. Customers are left to scramble to figure out how to pay their bills via credit cards that they replied on. Citi made it clear that customers are at fault when it shows in the customers online accounts that Citi agents are at fault.
What has happened to my account needs to be reported to higher departments with in Citi who handle customer accounts being mishandled by Citi customer service agents. I am requesting this again now. I did the above summary to help with the overview. The resolutions I am asking for my account are.
Credit XXXX dollars from fraudulent website. Done : Account credited but fraudulent company can recharge within 45 days ( by the end of XX/XX/XXXX ).
Reestablish credit limit of XXXX.
Reestablish cash limit of XXXX.
Reestablish thank you points AND available promotion points that were taken away. As of XX/XX/XXXX it was XXXX points. In XXXX it was approximately XXXX.
Stop cancelling customers autopay setup without their permission.
I need my XXXX medications ASAP. I want to use my credit card to show a record of this transaction. I am not able to because my credit limit is too low. Done : Pay this bill by check now.
Lastly this month, Citi sends me an application to sign up for a new rewards card with lots of points. BUT I can not get my current situation resolved?
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| 01/30/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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DATE : XX/XX/XXXX ; credit card notified immediately to dispute ; credit card was closed.
AMOUNT : {$910.00} Below are topline bullets of my case with Cit Security/Disputes team, a dispute spanning XXXX months : - I have never been to XXXX XXXX - thats an undercover/fake name for an illegal business.
- I never authorized a charge in the amount of {$910.00}.
- This is theft - its intent to fraud - and there is evidence of the merchants illegal business operations.
- Citis early fraud alert, a benefit for safety protection highlighted as part of this credit card, did not happen - no text, email, or call. The {$910.00} amount under the category of fast food should have been flagged immediately, as that is not common purchase behavior for me.
- The card benefits advertised include coverage from theft, fraud, unauthorized charges, etc, and cases should be looked at carefully as they are all different. There is clear evidence of wrongdoing in mine.
- There was no regard for my appeal in XXXX, despite my warning to Citi of their dealing with criminals and providing all the proof of the business arrests that took place.
As of XX/XX/XXXX, Citi is now stating I am responsible for the charge, despite their teams telling me they were working through getting me the permanent credit after their last merchant response ( late XX/XX/XXXX and early XX/XX/XXXX ).
- There has been misleading information shared by Citi. They shared that they heard from the merchant in XXXX, following my appeal. I later learned ( on XX/XX/XXXX ) that the merchant never responded to my appeal, and Citi still sided with the original fake response from XX/XX/XXXX, XXXX days before 21 merchant owners/managers/staff were arrested for fraud. According to the dispute process, the merchant should respond to my appeal and accusations, and they did not.
- The case was submitted to the Federal Trade Commission in XXXX- this information was shared with Citi, and I was in touch with the Embassy and local police in XXXX to inquire about a report. Citi stated that a police report doesnt matter and they will not reopen the case.
ACTION : Unauthorized credit card charge by a merchant who had 21 owners/staff arrested and taken into custody for committing foreign credit card fraud/scams/theft. Based on online research and investigation, the criminal business rotates under four names to try to hide their identity, and the merchant bank is generating documentation Ive never seen before in an attempt to provide false proof of purchase. The receipt is all in XXXX, but with XXXX, the receipt is not itemized with any description of goods - it states SERVICE FEE with one lump amount charged- it also does not include the merchant name, address, phone number/site, and it does not include my name or last four digits of the card used.
XXXX months after this dispute was opened, the criminal merchants are getting favored vs. a XXXX year loyal customer because Citi Mastercard will not validate or further investigate/consider any of the criminal evidence and will only trust the illegal operation of this business.
Per Citi Mastercard 's recommendation, when I immediately reported the charge, they suggested opening the dispute as security fraud in late XX/XX/XXXX- the credit card was shut down. Then weeks later, the credit card company billed me again for {$910.00} and stated it needed to be a billing dispute. It moved to a different team and the dispute process restarted.
The merchant did not respond till the end of XXXX ( two days before their arrests on XX/XX/XXXX ) - they fabricated a receipt in their response. In my early XXXX appeal, with evidence of the arrests, criminal activity, and proof from other customers from all over the world experiencing the same situations by the same merchant, it went into another round of review to the merchant, according to Citi.
During this time, I learned that despite the letters issued to me from Citi with updates claiming they are working through this with the " merchant and/or merchant bank '', the reality is they don't check with the merchant at all- they only work through the bank who is following the lead of the criminal owners. If they started with the merchant and reviewed the high level of detail I provided about this business, it would be clear that there are criminals behind the operation. Instead, there was no customer courtesy to investigate deeper - or suggest other steps to take - to help my case and clear this charge, but none of that was taken into consideration.
On XX/XX/XXXX, according to Citi, the merchant responded to my appeal. No proof of their response was provided to me- only a letter that stated they heard back from the merchant and they'd continue the investigation. I then responded to Citi with even more evidence of the criminal activity I found online to help with my case.
In late XXXX and early XXXX, I placed two calls to Citi to check the status - both calls were good news from the representatives. They stated that they heard from the merchant and that they just need a few days to close the case to issue the " permanent credit... and you have been a customer for over 20 years... not to worry '' - so, we had come to a good conclusion. Both reps reiterated that the permanent credit was in the works and just to give it another couple of weeks for the letter.
The letter came XX/XX/XXXX - two months since they had allegedly heard from the merchant - stating I was responsible for this charge. I couldnt believe this was the outcome, despite all my proof and efforts.
After some calls with Citi, refusing to reopen the case or consider my evidence, I called a Disputes representative again on XX/XX/XXXX to make sure I was tracking all of this information correctly before sending a long letter to the Executive Response Unit ( and for purposes of this report to the Consumer Financial Protection Bureau ). In that phone call, the representative confirmed they had only heard from the merchant ONCE- on XX/XX/XXXX. They never responded to my appeal where I accused them of criminal activity with PROOF of their arrests. It is unclear why Citi was deceitful to me stating they had heard from the merchant following my appeal- I asked why I was led to believe the merchant responded, but the representation could not answer the question.
Here is what Citi did not do : - Credit card transaction was processed with no fraud safety alert text/email sent to verify the purchase under the category of " fast food restaurant '' for {$910.00}. I asked Citi Customer Service why this didnt happen, and no answer could be given as to why the fraud alert was not triggered. Never would I spend that amount at any business, and that should have been a red flag on Citibank to alert me based on my consumer purchasing behavior. In the past, I have received these alerts, but Citi did not this time, and they are aware they didnt. When you're advertising this benefit for credit card holders and your marketing includes this type of protection, it is unreasonable to make the consumer responsible for something that could have been avoided with their advertised security measures- this is something that Cit was sued for in XXXX for deceitful marketing, but they dont own up to their own faults in the process.
- Given the larger criminal circumstances of this case, policies need to be reviewed that allow for the customer 's case to be further investigated in detail. Customer service was not the priority and my detailed appeal with substantial evidence of criminal activity was disregarded by ALL teams I spoke with - Security team, Disputes team- and Im now pleading with the Executive Response Unit to look at it closely.
- Not one phone call or email acknowledgment of my communication of this case was done. No one reached out to ask questions. I also filed a complaint with the FTC, emailed the report number to Citi. No response. I alerted them that I was in touch with the Embassy in XXXX and with the local police in XXXX to try to provide any further documentation if helpful for my case- no response. There was zero guidance and zero efforts from the Citi Mastercard group to give the custom some reassurance. I called them multiple times each month to check in so that I could provide them with whatever was needed to help me, and I just kept being told to be patient while the process was in motion, but never did I speak or get a call from their disputes investigators for such a complicated case like this one.
|
| 09/15/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Purchase was made on XX/XX/XXXX-XX/XX/XXXX, rebates submitted immediately.
Contacted the store on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are all the dates I contacted Home Depot that I can remember, I am sure there are more calls and chats that I forgot about. The have REFUSED to address this false advertising.
On XX/XX/XXXX and XX/XX/XXXX I bought a total of 5 buckets of paint, EACH bucket came with a promised {$40.00} rebate. 5 buckets X {$40.00} per bucket = {$200.00}. I submitted proper receipts and made proper claims in the advertised time frame for my 5 buckets of paint, I still have all the original submission numbers as well ( at home, not with me right now ). To date I have only received 2 cards, totaling {$80.00}. {$200.00} - {$80.00} = {$120.00} STILL legally owed to me. The advertised terms in store were 4-6 weeks to receive the full rebate. home Depot has already dragged this out beyond their in-store advertised time frame, so now they are guilty of false advertising, misrepresenting a contract and acting in bad faith with my money. My attorney told me I have ground to file a tort claim based on bad faith and false advertising, which would entitle me to legal compensation in addition to the initial amount + damages, time and expenses.
I submitted all rebates properly. After several weeks, I received 1 card for {$40.00}. I immediately went online to the rebate contact center for problems with rebates and talk to a rep named XXXX and he told me there was a mistake on their end and he would get the remaining 4 cards out immediately.
Several more weeks went by and I received 1 more card for {$40.00}, now totaling {$80.00} I have received and {$120.00} Home Depot still owe me. To date, I have not received anything more from Home Depot besides a huge headache. When I got the 2nd card, I immediately went back online and talked to XXXX again. He told me there was ANOTHER mistake on their end, but the remaining 3 cards would be out right away. He told me he also would escalate my case to the manager to make sure it goes right.
Several more weeks go by and I get NOTHING. I go BACK online and talk to XXXX, again, for the 3rd time, and he tells me he does n't know what happened, there was another mistake and he would get them out right away and to expect them in 6-8 more weeks. I told him that was unacceptable as they have already gone past the advertised time frame and I still do n't have my cards. He then said he went and spoke to the manager he had previously escalated my case to and he PROMISED me the cards would be IN MY HAND in 7-10 days. I told him if they are IN MY HANDS in 10 days, I will be good and he assured me they would.
3 WEEKS go by and I get NOTHING. I go BACK online and I am told that XXXX lied to me, the 7-10 days was just to " escalate the case '' ( something he had claimed he already had done ) and it would be ANOTHER 6-8 weeks. At this point I told them that it was completely unacceptable and I need to have the cards expedited and I need a confirmed shipping/tracking number. They refused and told me it 'd be another 6-8 weeks and I could just deal with it.
I submitted MANY emails, chatted with several people, called for at least 6 hours, over and over, talked to everyone I could and NO ONE cared or would help me. I was promised several calls back and NO ONE, not a single time, followed through in their promises. The last being a lady named XXXX at customer service. Go back and listen to the recorded call. It was Wednesday and she PROMISED several times to call me by the end of Thursday regardless what the answer was, to let me know what was going on. I specifically asked " XXXX, I have played this game too many times, what do I do when you do n't call me tomorrow? '' And she got very flustered and swore she would call me no matter what, multiple times she promised me a call back.
Thursday comes and goes and she does n't call, just like I had predicted. Just to see what would happen, I wait until XXXX on Friday to call her back because she never called me. I end up having to call in 3 separate times that day before she finally called me back late Friday. At that point, she did n't remember any of the details, lied to me, did n't listen, did n't apologize, did n't acknowledge the multiple broken promises and just did n't care at all. She just repeated the same " 6-8 weeks '' as the previous people. I told her multiple times this was unacceptable and I would not stand for it and she hung up on me.
At this point, Home Depot has committed false advertising and is acting in bad faith on a contract they agreed to when they advertised the rebate and I purchased my paint. The ONLY reason I bought it at Home Depot was because of this rebate anyways, which turned out to be a HUGE mistake.
At this point, I have over 12 straight hours invested into this. Chatting online, emails, phone calls, being on hold, being lied to, being hung up on, being lied to again, being transferred to the wrong places, getting yelled at, and being forced to waste a HUGE amount of my time just to get what I was legally owed.
I was forced to close my Home Depot card as I refuse to do business with a company that acts like this ( which negatively effected my credit ). It is despicable that such a large company would treat its customers like they treated me. It is UNACCEPTABLE to treat people like this and it will someday really come back and cost Home Depot. People will only tolerate blatant abuse for so long before they have had enough. I will be sure to share my experience as far and wide ( with XXXX, XXXX, XXXX, and any other social media spot I can find ) as I can and I promise you, I will never spend another cent in Home Depot for as long as I live. I will also encourage everyone I can to do the same and share with them the nightmare I have experienced when dealing with Home Depot. They do NOT care about the customer and they made that VERY clear to me in the handling of this case.
I will also be filing a FTC complaint over this and their handling of it specifically mentioning Breach of Contract, False Advertising and Acting in bad faith. You violated several laws here when you acted in the way you did and I will not stand for it.
I tried in honest, good faith to resolve this in a calm and timely manner and Home Depot has completely refused to work with me or help in any way. I offered to pay for the expedited shipping and they refused. I waiting calmly until several weeks AFTER the advertised time frame they agreed to when I purchased the paint from them, which is illegal. That is blatant false advertising and my attorney agree 's.
The {$120.00} they legally stille owe me, which I still have yet to receive, is just the start of this, I have a lowered credit score, stress, anxiety, huge amounts of wasted time and attorney fee 's now because of their illegal handling of this. The {$120.00} they legally owe me does nothing to address all that, which a tort claim will.
Home Depot is a XXXX corporation that just wants to take as much money from their customers as they can without giving them any support or following any laws they do n't want to follow. They abuse individuals because they are corporate bullies who feel they can do what they want and act above the law. It is time for a wake up call and my money is what I have that speaks the loudest. I just bought my first home, so I have about {$20000.00} to spend on home improvement which will now go to Home Depots biggest competitor. I am also going to plan demonstrations in front of Home Depot stores to make people aware of the abuse they are unknowingly subjecting themselves to.
Here is the most concerning part of the whole experience : ***When I closed my account with Home Depot, I made a formal, recorded request for a proper itemized summery of debt from them ( as REQUIRED by the fair credit reporting act when formally requested ) and they have refused. The lady directly told me she would NOT send it to me and I have not received the requested proof and substantiation of debt. I have also sent a certified letter to Home Depot requesting the same thing and they have completely refused and ignored me. This is ALSO illegal and a blatant violation of the federal Fair Credit Reporting Act and it also makes any and all debts INVALID as they failed to follow federal law. ***
|
| 01/06/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XXXX XXXX and XXXX XXXX my wife noticed 2 suspicious items on my credit card statement online. The amounts were {$1.00} and XXXX $ and were not authorized and my wife and I reported them to XXXX XXXX credit card company for investigation of fraudulent activity. There was no additional charges until I purchased a ring from XXXX XXXX XXXX on XX/XX/XXXX XXXX {$1200.00}. Several days later my wife called to have the ring ( XXXX $ ) transferred to our XXXX card for the purpose of getting 21 months of 0 % interest on payments ( the ring was for our sons engagement and we wanted him to benefit financially with 21 months to pay and 0 % interest. On the XXXX my wife online was confirming that the transfer was made as arranged. Instead we were terrified to see a transfer that appeared in the amount of XXXX and a second transfer of a second XXXX!!! Immediately reported that to XXXX XXXX as fraud and there wasnt a XXXX $ transfer ( as the sole transferred amount ( we immediately reported that to XXXX XXXX as 2 additions of fraudulent transfers that we immediately wanted reported ) the woman XXXX gave me a employee # XXXX ) she was in the fraud division and said that she would send the report to investigators to investigate ( as were on hold I went to our mobile account and saw another charge of {$1100.00} ) when XXXX returned we told her the additional charge and assumed that the amount was about XXXX $ less than the amount authorized as the sole authorized amount but wasnt the exact amounts ( she seemed annoyed at the news we were again financially harmed ) but we figured that they didnt transfer the tax or something else because the amount was not the XXXX amount ) we told her that the XXXX transfer was probably the ring ( the remaining amount was around XXXX ish and all that was remaining on the balance after the XXXX ( again she was of little use for any reason for this not being the correct amount purchased from the jewelry store ) we had to pay the XXXX transfer because that was the plan. But she was told that the XXXX separate charges of XXXX ( total XXXX was fraud and we didnt understand how they were able to transfer money that wasnt charged on any card of ours ( again she seemed very annoyed we were financially injured for charges XXXX was not able to explain why the fraudulent charges were possible and how they could even applied the money ( transferred to us at all ) she was obviously annoyed and I didnt feel that she cared about the money fraudulently applied to my XXXX card ) I asked for a email or confirmation of my claim to be investigated. XXXX said no they were unable to do anything to help in regards to evidence of the theft her company so causally attached to my XXXX card ( I asked her permission to record the claim as her company was also recording as well ) ( XXXX agreed to me recording our conversation as record for myself to have as evidence that I reported the charges immediately upon becoming aware that they existed ) as I was on hold again with XXXX I looked at my Mobile personal checking account and was shocked to see a ( pending charge of {$830.00} to be withdrawn from my checking account and heading to XXXX XXXX??????? I asked for the reason for this and explained that they had a major issue with the handling of my credit card balance ; again she seemed very annoyed with another fraudulent transaction that I was reporting ) at this time anger was the feeling that I was feeling along with the lack of any kind of reason how this could be possible ( instead of a complete transfer of XXXX to be payed ( the only actual complete and total amount we had charged ) they were putting a balance amount of over {$4500.00} of fraudulent charges XXXX transferred over to my XXXX card ( the {$830.00} was pending and not applied yet but I saw it pending to be applied to my XXXX card!!!!!!! ) she again was obviously frustrated with my concern and angry with her company for over XXXX $ ( all fraudulent put as if I was responsible for the companys failure to protect me a customer and she said that she would had the report to investigators to investigate!!!!!!! XXXX said the company was going to contact me with the results in 6-7 weeks!!! I couldnt believe the womans words and lack of empathy her company had caused me!!! In addition she refused to give me any explanation of why the would be taking another fraud charge ( XXXX pending to be a payment to XXXX XXXX and told me she couldnt give me any information on the charges because investigators were going to do this ) I was relieved I recorded her and my conversation because I had nothing from XXXX except a fraudulent charge of almost {$5000.00} that was recklessly being my fault as she refused to even acknowledge anything about amounts of the fraud her company so causally applied for me to deal with!!!!!! Again this is recorded as evidence of the criminal activity committed against me and XXXX was annoyed that she was having to report the crimes her company committed against me!!!! I told her I didnt have a single late payment ever on any of my 7 + credit cards that I never used except to charge and immediately pay the full amount every month to have a XXXX balance!!!!! My credit report will reflect the exact same thing I just explained including XXXX late payments EVER!!!!! Now my great and exceptional credit score I so carefully protected against any negative impact was potentially affected along with the fraudulent amount of almost {$5000.00} dollars of unexplained transfers to my XXXX card. And on the as of XX/XX/XXXX was only XXXX $ with the XXXX amount that was authorized and lawful.i went from XXXX dollars of credit card debt to almost {$5000.00} within a couple days as my credit report will reflect exactly as Im currently stating. Im seriously considering civil charges against XXXX financial crimes against me and my credit that until the fraud allowed by XXXX company I was a victim and XXXX could care less of the grossly irresponsible conduct by XXXX XXXX committed against me!!!!!!! I am hoping for the investigation will again prove my innocence of all the things that I have just reported as criminal activity against me personally. And depending upon any negative impact of even 1 XXXX point will determine whether I will sue in addition to the financial crimes against me that XXXX XXXX failed to prevent or even concerned about the impact of their own negligence actions that have been unlawfully placed on my credit card ( they recklessly attached to my name!!!!!! ) I will send screenshots to backup the statements Ive made in this case today!!!! I will hold XXXX liable for this grossly negligible conduct that now has been committed to me and XXXX when she attempted to send replacement cards to mail me I ( on audio recording stated to her I did not want replacement cards of any type and also explained the financial burden her company had grossly negligible allowed to impact me a consumer!!!!! I repeated to XXXX do not send any replacement cards to me because they already had committed enough harm to me and I refused to allow XXXX XXXX to potentially expose me to being financially harmed again by sending me any further cards and furthermore explained I wanted the account closed immediately to prevent any possible additional harm as a result of there negligence and reckless conduct!!!!!! I then called and reported this activity over the phone to the inspector general and then today to the consumer finance division.,. And at this time was not surprised when earlier today my wife received an email from XXXX XXXX telling us that my replacement cards were being mailed!!!! I feel this will almost certainly be litigated in superior court because of the lack of faith I have that XXXX will correct the situation as lawfully required. XXXX XXXX ( a victim of XXXX XXXX and the negligence that theyve shown to be grossly irresponsible of repairing!!!! ) I will hold them accountable in court if not correctly in a reasonable manner I will be seeking all legal attorneys fees to be repaid to myself and ask the court to XXXX accordingly a judgment that will be an example to other companies that conduct their customers similar as I have been financially and mentally harmed by their actions and lack of action to prevent their consumers from being taken advantage as I was thank you for your time reading this and all action you take to hold XXXX XXXX liable for.. again thank you again. XXXX XXXX
|
| 05/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
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This is the correspondence I sent to Citibank who still continues to not investigate their own actions and merely responds with a format letter and not a specific response to my particular personal issue : Dear Citi Card ; I am writing today because I am extremely upset with how my new secure credit card account with Citi Card has been handled and the fact that it has been closed due to an error. I have been a long-time Citibank customer and the recent actions by Citi Card are calling into question whether or not I will even continue banking at Citibank. It is my goal to lay out the issues to Citi Card in this correspondence with the success action point expected of Citi Card apologizing, reopening my account and reactivating my card. If this matter is not resolved from this correspondence, I will file various complaints, including but not limited to filing a complaint with Citibank, the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau, XXXX XXXX, XXXX, XXXX, and XXXX, as well as pursue all remedies afforded to me as a consumer under the laws of the state of California.
I first came to learn of the Citi Card as a recommendation from XXXX XXXX to assist me in improving my credit history and credit score. I was excited when I was approved for a secured line of credit in the amount of {$300.00}. I made the deposit by transferring funds from my Citibank account to Citi Card. I used the card for months with no issue, always paid more than the minimum payment and watched my credit score increase.
Then on or about XX/XX/2020, I made a payment in the amount of {$100.00}. I originally tried to do so with a live representative, but the hold time was taking too long, so I went online to make the payment. I then tried to make the payment by merely putting in my bank account information, but for some technical reason the system would only accept my payment if I linked my bank account to my Citi Card account. Although I have three ( 3 ) bank accounts with three ( 3 ) different banking institutions, I felt it mutually beneficial to link my Citibank account to my Citi Card. Here is where the problem lies, and the stories between my account and Citi Card differ but what is not disputable is that a MISTAKE was made somewhere. When I input my bank account information online, and double-checked it, the numbers were typed correctly. The system accepted the payment and a confirmation was emailed to me. Days later I received an email that seemed fraudulent that said in pertinent part : Hi, XXXX. Your recent payment of {$100.00} that was scheduled for XX/XX/2020 could not be processed. This could have occurred for various reasons.
Turns out it was not fraud so on or about XX/XX/XXXX, I went back online and hit the saved card information and once again the payment went through and a payment confirmation was emailed to me. It left a balance of about {$25.00}. All was well.
Shockingly, on or about XX/XX/XXXX, just six ( 6 ) days later I received a very disturbing correspondence that stated : Hi XXXX. We frequently review cardmember accounts a recent review of our account shows one or more late or returned payments in the past six months. Due to this, we had to close your Citi Mastercard account Needless to say, I was livid! I have only had the account for three months, paid all of my bills on time, paid more than the minimum, and never charged the full limit. I called Customer Service and spoke to several people, each knowing less than the one before. It was the worst customer service I have experienced in quite some time, of any kind. After several tries, I finally spoke to a Supervisor who identified himself as XXXX, employee ID XXXX who shared with me the payment process that has two faults. He indicated that the first try for the payment I put in 12 numbers when the bank account only has 11 numbers. He furthered that my second input was 11 numbers which was the accurate banking account number. 1 ) Most systems, if the cardholder were to possibly input the wrong information, the online payment processing system lets the cardholder know, immediately, in real time that there is an error. It will not process the information if there is any error. This did not happen. 2 ) When I went online to re do the payment, I didnt retype my card number. It was already saved in the system so all I did was resubmit the information. I didnt retype the card number. So it is my contention that the SYSTEM and not me committed an error in reversing the acceptance of the payment. Citi Cards position is that when I went online to re do the payment, I typed in 11 numbers which was the accurate number for the corresponding bank account. Whether it was 11 numbers typed in or 12 is in dispute, but what we know for a fact that is not in dispute is that the input issue was AN ACCIDENT. It was either an error on my part with typing 1 extra number or the systems part in coding an extra number of system error in the processing. Either way, the issue was an innocent mistake. To have my account closed based on a blameless mistake is ludicrous.
Beyond the preposterous closing of a well-maintained account, Citi Cards actions in closing the account has put me in a worst position than I was in before opening said account and has caused more damage to my credit score causing it to drop 73 points!!!
The point of applying for the card was to build my credit history and Citi Card assured me by written instrument that monthly notifications to the credit bureaus about my account would be provided to help build my credit history. Citi Mastercard further noted that by my choosing the Citi Card I would receive protection benefits, and worldwide acceptance. The goal of both parties was that opening a Citi Card would be a beneficial tool, mechanism, vehicle and platform to be of assistance, not to embark on something that was going to be gravely detrimental. This has been a horrible experience.
I am requesting Citi Card reopen my account. This has been beyond an ordeal and an unfair one at that. I will consider arbitration and other legal remedies including the possibility of filing this matter in Court in order to properly resolve the reopening my account. The only other alternative I will consider is Citi removing this account from the credit bureau reporting altogether.
Under the circumstances, as a new business customer having suffered through this ordeal, both are viable options and the strongest solutions that would be asked for as judgment by the Courts, or via an arbitrator along with any monetary damages the Court may deem appropriate from the damage to my credit.
During this fragile and tumultuous time, I have looked to my credit to see what lending options might be available to me. To have my score plummet so quickly and deeply has been injurious to my personal life and my small business operating options.
Literally my payments for the Citi card were coming from my linked Citibank checking account. The irony that it is that account they " say '' they couldn't locate. The very banking account ALREADY in the system in my account!!! I didn't miss any payments, paid more than was the minimum and you closed my account and reporting it the same as you would of an account that had a poor payment or returned payments for lack of funds. THAT was not my case. I should never have been treated as such. In conclusion, this has been quite the ordeal!! Its been personally frustrating getting the run around with off-shore to on-shore assistance ; consistently inconsistent information being told to me about the appeal process and who and where I can send this correspondence. I had to do the research myself. In good faith, I opened my account with Citi because I felt I could depend on its stellar reputation, and because of my affiliation and long-standing positive relationship with its banking institution, I felt I would be treated fairly, equitably with respect and in a nondiscriminatory fashion. I found none of those characteristics to be true! And now time is of the essence. I am trying to make sure this blemish on my credit history is cleared off my record within the next 30 days and my resolution reflected on the next reporting cycle to the bureaus without the need for stronger legal intervention. I trust that this is feasible.
Im happy to talk with you further anytime, as expeditious resolution of this urgent matter is best for both of us.
Respectfully requested,
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| 01/25/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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RE : ESCALATION & COMPLAINT - Ongoing Financial HARDSHIP caused by Citibank Account Opening Compliance Process - Funds Frozen, Circular Messaging, Discrimination, Unresponsive Staff and Funds Not Being Refunded On XXXX I opened an online checking account with Citibank and was prompted to fund the account by electronic transfer.
On XXXX, during the new account opening process, I transferred funds from a XXXX Account to the new Citibank account online and received a confirmation on the website.
A few days later I received my Citibank Debit Card.
On XXXX a letter was mailed from Citibank with a New Account Application # stating that I had to go to the nearest CitibanXXXX XXXX XXXX to verify information .
On XXXX another letter was mailed from Citibank stating that due to a recent review of my Citibank profile I would need to visit the nearest Citibank branch or call Customer Service to update my address on file.
I called Citibank numerous times from XXXX till today, XXXX, to try to resolve this issue and to try to understand why my account was flagged and what information I needed to provide to Citibank.
Each time I spoke to a Citibank representative, I was provided different answers and eventually after being escalated to the Fraud Team after numerous requests, I was told that my account had been flagged after account opening due to the address I provided during account opening and that my funds were frozen.
Eventually by the end of XXXX, after numerous frustrating calls where I was transferred between different teams repeatedly, I was advised by the fraud team that my account was as in the process of being closed.
When I asked why, I was told that the address I provided during account opening online, the same address for which I have used for over the last 15 years as an ongoing Citibank Credit Card Customer and the same address which is on my Real ID, was not acceptable and that I would need to take my identity documents and proof of address to a Citibank branch for them to be verified by a banker in branch.
After making an appointment online, on XXXX, I visited the Citibank XXXX Branch and met with a personal banker by the name of XXXX XXXX.
XXXX XXXX advised me that Citibank branches to not do any identity verification and that the letters, call center and fraud team had advised me incorrectly by asking me to take my ID and address documents to the bank branch for account opening verification.
I was very upset at hearing that Citibank branches do not provide address and ID verification services as I had been advised by letter from Citibank and by the telephone representatives that the only way to resolve issues with my account was to physically go into a bank branch with my ID and address documents, the closest of which is in XXXX, over XXXX XXXX from my home and caused significant hardship to reach on the day.
Eventually on XXXX, XXXX XXXX agreed to help and I sat with him at his desk in the Citibank branch while called the internal Citibank Fraud team and discussed the situation.
He explained to the Fraud Team that I was a customer who had opened up a bank account online, funded the account, had my funds frozen and who had been unable to get anyone in customer service to resolve the issues. He explained to the fraud team that he was looking at my XXXX XXXX XXXX XXXX my Social Security Statement, my Citibank Credit Card statements and my XXXX bank statements which all had the same address that I provided to Citibank during account opening.
After much back and forth between XXXX XXXX and the Fraud Team, he advised me that the Citibank fraud team would be closing the account, despite me presenting my ID documents as requested, and that a check would be sent out in the next few days to the address I provided during account opening process in the same amount that I transferred to Citibank on XXXX when I opened the account online.
When I asked why I could not be given a check from the Citibank branch as I was physically there in person on XXXX and had been trying to resolve this issue for months, XXXX XXXX advised that only the fraud team could clear the return of funds.
I was quite upset with the fact that Citibank was closing my new account, had frozen my funds seemingly from the day I opened the account online but only right after I had transferred funds into the new account, and despite my long financial relationship with the institution I had received such a confusing and financially damaging response from Citibank.
I requested that a formal complaint be raised about the account opening debacle as it seemed insane that a financial institution could engage in a duplicitous circular charade of getting customers to open up a bank account online, solicit and obtain deposit funds, turn around and claim that the address provided by the customer was unacceptable ( despite them using the same address with me as a Credit Card customer ), and then refuse to engage with the customer, either via phone or in person at a branch, in order to return the transferred funds.
If Citibank deemed my account to be invalid, then why would the bank be holding on to my funds and refusing to refund it to me either in person, by mail or by bank transfer ( which is the method by which I funded the account )?
At the conclusion of my meeting with XXXX XXXX on XXXX, he wrote up a formal complaint in my presence, submitted it via an internal system and assured me that it would be forwarded up the chain to be addressed.
XXXX XXXX also assured me that the account would be closed and that a cheque would be issued and mailed to my address in the amount of funds transferred during the account opening process.
Since XXXX, there has been no communication from Citibank by mail or telephone.
On XXXX, I called the Citibank Fraud team to ask about the status of my account closing and the refund of funds transferred during account opening as XXXX XXXX had confirmed in-person at the Citibank branch on XXXX.
I was advised by a supervisor called XXXX on XXXX, who initially claimed that he could not speak to me about my account repeatedly, that the account had not been closed and that the refund cheque had never been issued because Citibank would not accept my address nor would they provide any means by which they would refund my funds transferred.
Despite me explaining the sequence of events since XXXX and the meeting with XXXX XXXX in the Citibank bank branch on XXXX and asking them to review the case notes and the formal complaint raised in branch, XXXX XXXX insisted that nothing could be done.
It has been almost XXXX XXXX since I opened up this account with Citibank on XXXX and in that time Citibank has caused me significant ongoing personal and financial hardship through the following actions by : a ) Refusing to provide my account number to me which can not be obtained because they have frozen the account.
b ) Freezing the funds that I transferred into the account almost immediately after account opening c ) Repeatedly claiming that my checking account was closed and then when queried stating that the account has not been closed d ) Refusing to accept the address I provided, which is the only address I use, and for which they regularly communicate with me on as a Credit Card customer, the same address on my California Real ID and on my Social Security statements e ) Refusing to discuss my account when I call in, claiming that they can't verify my details by asking for an account number which they have never till date, provided to me f ) Failing to respond the formal complaint raised on my behalf by XXXX XXXX on XXXX g XXXX Discriminating against me by refusing to explain why my account was flagged based on my address h ) Continuing to refuse to address this issue i ) Illegally freezing and holding my funds despite repeated requests both via telephone and in branch for my funds to be returned by Citibank.
I am formally raising this complaint with the CFPB on XXXX regarding Citibank and the new account opening process that has resulted in my funds being frozen and no refund of funds transferred despite numerous repeated attempts to resolve this quagmire of an issue that has been created by Citibank 's circular and illogical fraud and compliance process that have resulted in no satisfaction.
Please advise on what next steps should be to get this situation resolved.
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| 08/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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XX/XX/XXXX I made a payment to satisfy the citicard VISA Platinum credit card which was due for XX/XX/XXXX. This is a difficult time but I scraped together what I could and made that payment albeit 9 days after the due date. While on the citicard.com site making the payment, I saw their COVID 19 relief program effort and read through it. It seemed clear essentially saying if approved, two payments would be deferred and no late payments would be reported to the credit bureau 's. This would allow me to skip XX/XX/XXXX and XX/XX/XXXX 's payments and save up and hope that business ( and paychecks as I'm in XXXX ) would begin to catch up.
In XXXX, as a XXXX XXXX XXXX XXXXXXXX, our sales were down about 60 %. XXXX was down 50 % and XXXX was 45 %, so all was down significantly. My paychecks were down the same percentage, however, all seemed to be heading in the right direction and went ahead with this program. Which, unfortunately, will cost me dearly. Not only financially, but the stress and anxiety that goes along in dealing with a financial company that says one thing, but does another and could care less about its customers. Money first, despite how unethical this practice is currently as studies show an ethical company are among the most profitable. But, if the customers are limited in their legalities, the edge goes to the big financial firm with the big pockets.
This morning, I get on citicard.com, excited to begin to pay my XXXX bill and get back to normal. I knew it would be more as the interest accrued through XXXX and XXXX would be applied. Not an issue. I saved up and was ready to get back on track.
As I looked over the bill, it included a {$40.00} late payment charge as well as a statement saying " NOTICE OF CHANGES TO YOUR INTEREST RATES ''. Wait, why would my interest rates be increasing from 18.99 % with a variable 3 % ( 21.99 ) to 29.990 %!? Further it says : " You have triggered the Penalty APR of 29.990 % by making a late payment and due to your credit performance. This change will impact your account as follows : As of XX/XX/XXXX, the Penalty APR will apply to these transactions. We may keep the APR at this level indefinitely.
Current rates will continue to apply to these transactions. However, if you become more than 60 days late on your account, the Penalty APR will apply to these transactions as well. '' I promptly called Citicard customer service, which is where the true colors of Citicard shined brightly, despite their concerted efforts to create an image of the opposite of how proactive, giving and forgiving they are. Complete nonsense.
After being placed on hold, customer service reviewed my information and concern and had found the reason as to why a fee of {$40.00} was assessed and could possible have that removed, but could not even find the information on my APR increasing. He sent me to the Customer Focus department where their representative seemed to be outside or something? I could hear wind blowing and it was very difficult to understand what she was saying. I have XXXX XXXX XXXX ( as does 4 % of the rest of the population so I'm quite taken back that Citi would deem this acceptable ). Oh well, Citi is a big company with lots of customer so I'll assume they know what they are doing. Despite the communication problem, at least I found the right department to help me. Well, not so much. She could not comprehend that I had already paid the XXXX payment, prior to submitting the form for COVID-19 relief ( and was accepted, fyi ). She said I paid that wrong amount. I said I paid exactly what your system told me was the minimum amount due and made that payment. She said again, I'm trying to tell you $ XXXX was the amount due and you paid $ XXXX. I said I get that, and I'm trying to tell you I paid exactly what your system told me to pay. After being on hold, talking to customer service, waiting on hold again and then being transferred to a " Customer Focus '' Representative for 37 minutes, along with putting aside the inconveniences of not being able to hear her very well, she HUNG UP ON ME. THIS IS NOT EVEN THE REASON I CALLED. Citibank? Really? Please find this voice recording and I hope you can use this an an opportunity to 1. Improve the line of communication between your customer focus team and your customers, 2. Provide this representative some training in listening to the customer. This call originated at XXXXXXXX XXXX and was promptly ended on your end 37 min later.
I called back and spoke to a wonderful gentleman in customer service who was calm, collected and well spoken. He easily explained the total amount that was currently due and why. He mentioned I might be able to have the {$40.00} fee removed but to make the payment due first and get current and its much easier to work with. Well, I call a bit of XXXX on that as I'm sure Citi just wants their money now, but, I did so. He could not find the APR issue either and recommended I speak to " Customer Focus ''. I expressed my unfavorable experience about being sent to that department again and the reason why. His response was they are able to look deeper into the issue and see more on the account than he could. He goes on hold for a few minutes and comes back and says he can't get them on the line and gave me their direct line. XXXX. Total time on hold and talking to this nice gentleman- 25 min. Call started XXXX XXXX central.
At XXXXXXXX XXXX central, I call the direct line for Customer Focus. I spoke to this representative who was somewhat unhelpful, in that she could see the account and fees but it was Customer Services job to look into the APR. She was able to fix and remove the fee that was added, then sent me back to Customer Service. I spoke to someone in Customer Service ( again ) and had difficulty finding why the APR was increasing and had to put me on hold multiple times, ultimately saying she needed to transfer me to someone else!
I took the time to make sure it was understood that the COVID-19 program that Citi was touting so positively and were " commitment to our customers and clients during this time as well as our strength as a firm '' was something I had been apart of as its been a very difficult time having 1/2 the paycheck I normally would. She reviewing everything that had happened as well as listened to me conveying I'd been on the phone for almost 2 hours at this point and talked to 6 different representatives.
**She came back saying your APR hasn't changed, and explained what my APR was. I said I know what my APR is now, what my issue is that the COVID-19 relief program has expired and now your are raising my APR 8 % and it's nor fair. It is unethical to take advantage of people during a financial hardship and it seems your company is doing so without regard to the circumstances. All I want to do is get back to what I was doing before which Citi was great to work with pre- COVID . She puts me on hold again. Comes back saying the reason your APR was increased ( beginning XX/XX/XXXX ) was that you paid your XX/XX/XXXX payment late. Late, meaning, I had to wait until this morning, the XXXX, the pay the amount due. Because of that, my APR will be going up 8 %.
Are you, Citi, within your rights? Maybe. But just because you can, legally, doesn't mean you should. Please, anyone reading this make absolutely sure of the red tape and potential downfalls of leaning on any financial company touting how ethical and helpful they are, while making as much money as they can off of those who they claim to help. I want to make sure anyone that has done the same as I have can avoid being taken advantage of, and secondly, that other companies can create a more ethical approach of APR review. If my APR is not corrected, I will make it a priority to pay this balance off before XX/XX/XXXX ( Yes, that XX/XX/XXXX! Lets just rub it in even more, and is also my late father 's birthday ) Reviewing their Response to the COVID-19 page, they tout just how much money they have https : //citi.com/citi/covid-19.htm - click on " Full Document '' section implying how wealthy the citi company is ( such poor taste given so much financial hardship right now. People are struggling. Who thought of putting this on their response to COVID page? ). And secondly, my experience has shown their interests culminate with quite the opposite. Great for marketing, but poor in customer retention.
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| 06/19/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I am writing to file a formal complaint against XXXX XXXX XXXX. for predatory collection practices, collecting funds from me and using personal data to dig up more charge off debts to keep extorting payment with ill obtained false judgements with court insiders.
Facts : XXXX XXXX XXXX. Has used predatory collection tactics, against me to obtain default judgements and then force payments. They have used the legal system to threaten, and they act like they were doing me a favor by offering me a reduced payment on me to pay for 2 credit cards with XXXX that had already been charge off accounts by XXXX and XXXX XXXX. I did not know any better and just gave them a pre authorized check that I honestly thought I was curing my last credit cards that had gone bad due to unemployment. But I believed them and I thought this was better then filing bankruptcy and I even have letter that shows they were settled. In XXXX I received a call about new default judgement and I hit the roof. I wrote to them and disputed the charges. Yet to no avail. I have disputed the debt but they know the people in the court so this time I was at my worse financially. I did not think they would obtain anything, because sadly I have been financially insolvent, barely making enough to pay rent, food even with food stamps, student status because I could not get any jobs due to the judgements against me, coupled with anxiety and could not get over so much loss/crisis. Yet this company is thriving by abusing families, they got a default judgement without properly notifying me or PROVIDING PROOF OF THE DEBT. They have lawyers, clerks and people working the system. They act with no regard or fear of being checked, because they know I don't even have the money to pay for a lawyer or the filing fee. This is a disgrace, that I go to the court and I can't do anything. Today I thought I would reach out to your group in hopes for justice. Here are the details : Case XXXX Vs. XXXX XXXX Original Creditor is Citibank-XXXX : ending XXXX Acct opened XXXX Date Account Charged off : XX/XX/XXXX Default Judgement : {$2500.00} On XX/XX/XXXX I requested SUBSTANTIATION PROOF OF DEBT received no response from them.
On XX/XX/XXXX. I Received a ( NOTICE OF LEVY- ENFORCEMENT OF JUDGEMENT ) copy of a recently court filing form XXXX of the same judgement but now it is for $ XXXX-READS notice of Execution of Money File XXXX-original court case XXXX.
They know I live in XXXX, they have my address because it arrived. Yet they Filed in XXXX Courthouse South East District. with signed levying officers listed as County Sheriff Civil Division XXXX by XXXX XXXX of XXXX county XXXX # XXXX registered process server.
I made the mistake of paying them for two credit cards, XXXX XXXX, that went into charge off status due to loss of employment, loss foreclosure of my home in XXXX in XXXX. At that point, I was doing my best to settle things with creditors because I was in financial crisis. I wrote to all my creditors ( attached letters ) directly and paid the credit cards I owed by making direct settlements with credit cards companies.
I also did a Died in Lieu of Foreclosure with XXXX XXXX XXXX, they agreed to charge off the $ XXXX..first loan, {$53000.00} for second loan and one final remaining credit card with Citibank, it is noted on my credit report ( see recent credit report attached ). They consequently denied this agreement and turned it into a foreclosure but gave me charge offs on all the debt due to the HARP guidelines. My credit was ruined, XXXX XXXX filed a Judgement and I paid, XXXX XXXX found a way to squeeze out {$2000.00} out of my promising that they would not file judgements against me, they claimed they had been hired by my credit card companies. I did not know any better so I paid them. ( I can provide checks once I get from bank ).
I wrote letters to XXXX XXXX XXXX, to get my final relocation {$1500.00} but no luck. I was stuck in a rural area now, no job and in XXXX when they sent me a letter to pay the above credit debt, I demanded proof. I had after all lost my dignity, job, all my 401k, filed for unemployment, forced to apply for welfare to survive. I did not think moving to northern XXXX with {$1500.00} of the original deal to keep only one house would have been possible ; but a Lawyer from XXXX XXXX XXXX XXXX assisted me. I tried to apply for similar jobs, and could not obtain employment, filed for Welfare, became financially insolvent, have lost everything and have no money for anyone to levy ; not even me. I have been working for the last XXXX years barely providing basic needs for my XXXX XXXX XXXX, XXXX, XXXX ; I have gotten divorce and on XX/XX/XXXX I received a copy of a " Money Levy from XXXX XXXX. '' They should not be allowed to operate in this manner.
I looked through my papers and it turns out that I have paid them over {$2000.00} and received a letter regarding the Judgement in question. As I had suspected, I settled two of the credit cards with them for XXXX and XXXX again two different credit cards. They now want to squeeze more blood, but there is nothing left.
They have gone out and purchased some OLD CHARGED OFF debt from CITI Bank after they promised that they would not file DEROGATORY legal judgements against me. WRONG, XXXX XXXX XXXX, lied they are experts at their craft.
They intimidated me in to paying the two previous debts which were probably not even valid and now they are coming after me again. This is unfair and they deserve to be held accountable by someone.
I do not owe XXXX XXXX or have a credit card contract with their client Citibank/XXXX. They were not able to validate the debt, and when I refused to be taken advantage again, because my credit was still showing all those judgements plus a foreclosure, they decided to pay the courts to obtain a default judgement in XXXX Both cities that they have contacts, with the people there facilitate their paper filings.
In addition, I have called them and disputed these charges repeatedly over the phone, in writing but they will not stop filing more forms with the court, harrasing me, using the courts to bring a judgement on a debt they have no proof I owe them.
I have copies of the settlement letters from them, I went into default on my credit cards, and later experienced more financial hardship ; I took responsibility for my wrongs. I have paid my DEBTS, it has been XXXX years of ABSOLUTE XXXX, crisis and this company is ruthless they will not leave me alone. They deserve to be fined themselves for the tactics they use with the courts to obtain wage garnishments for debt that has been charged off.
I request that they be investigated, prosecuted themselves because I have no powe4r against them. I went to my local court and asked them for help on this and have tried to go to the XXXX Court House Self help but they say I need to go to XXXX XXXX which is 12 hours south of here. This is EGREGIOUS behavior!
Moreover, I pulled my credit report as a result of this and during the time period they claim this debt is from is too old. It is not listed as one of my accounts. I also have copies of the settlement letters I wrote to ( my creditors see attached ). I have also kept copies of the letters that XXXX sent me with copies of credit cards that had already gone to judgement but they told me they ha settled accounts I had with them. They obviously had my address, contact but they failed to communicate because they knew they had the judgement, which was easier then to verify the debt because they do not have a way to pull the original contract.
I know I have made some mistakes dealing with credit, but did the best given my situation to settle and make workouts. Life happens to all of us. I am not a crook. It has been years of trying very hard to survive, living below poverty level, using free, donated items, getting XXXX health, and now after XXXX years this company is coming to garnish my wages because they were given a default judgement with no proof of the debt. This is unfair and I implore you do something about this this company, they are a cancer, they need to be investigated and stopped. How can they get these default judgements, abuse working citizens and make money? Who are they paying to process these documents without proof of the these old charged off debt?
Please help me I can be reached at XXXX.
|
| 11/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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|
Web |
Older American, Servicemember |
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On or about XX/XX/XXXX I contacted Sears ( XXXX ) and was told to call CITI recovery ( XXXX XXXX ) in reference to sears account XXXX. I did as instructed. I contacted CITI and was told that Sears account had been written off. This was a shock to me. When I contacted XXXX, I was told that they had received correspondence from Sears stating that account had been written off, because Sears believed that amount owed could not be recovered. I stated that I did not understand, for I had just submitted my monthly payment. XXXX representative proceeded to state that after a through review of documents, she stated that there were no amounts reported due. Representative further stated that I did not owe, therefore I was free from future liabilities. In the mean time I have continued to receive numerous telephone calls ( XXXX ) stating to contact them in reference to Sears account. Estimated sixteen within twenty days. I received XX/XX/XXXX billing stating that there was a past due of {$390.00} plus a minimum payment due of {$620.00}. I find this totally absurd. They have yet to responded to my many letters disputing these outrageous past due. Why is Sears continuing to call me, when according to Sears this account had been written off and they never responded to my letters of disputes. I am totally confused and request your assistance in resolving. If it has been found that I had been informed incorrectly, I recommend that Sears reinvestigate the outrageous reported past dues and the minimum payment due. According to the original terms of contract my monthly payment was to have been {$200.00} due on the XXXX of each month. Since I have continued to be harassed. Based on this information and having been informed that account had been written off, I feel that the contract should be renegotiated with a lower minimum due. Also Sears should notify the credit bureaus and remove all past dues from reports. A letter dated XX/XX/XXXX from CITICORP stated that account was subsequently closed from this periodic review, there was no record of my conversation on XX/XX/XXXX and that the account has not been written off nor has it been purged, balance reflects {$7700.00} with minimum payment due of {$620.00}, of which {$390.00} is past due. I strongly dispute minimum payment due, {$390.00} past due. On XX/XX/XXXX, I sent CITI, XXXX XXXX, Office disputing the outrageous amount past due of {$360.00} and a late fee assessed at {$37.00}. I found company 's actions shocking. Minimum payment due was {$200.00}, which had been paid on time. According to terms of contract payments due is {$200.00}. Nothing ever received stating that minimum payment had drastically increased. my letter of XX/XX/XXXX at XXXX XXXX, I called Sears ( XXXX ) XXXX and was instructed to call ( XXXX ) XXXX Ci Ti 's recovery . I was told that referenced account had been written off and to call XXXX XXXX ( XXXX ) for further details. XXXX XXXX representative informed me that account had been purged. She proceeded to state that Sears ' Attorneys had submitted a letter stating that referenced account had been written off. Upon receiving this information, XX/XX/XXXX payment was canceled. I had requested a copy of this letter. XXXX was unable to honor my request at that time. From the date of this letter I continued to receive numerous telephone calls from ( XXXX ) XXXX Based on non receipt of XX/XX/XXXX billing, it had been confirmed that account had been in fact written off and to contact the Client focus Team ( XXXX ) to discuss payment options. I had become confused and felt as though I had been given the runaround. Every attempt had been made to Sears in order to resolve expeditiously. Since Sears or their affiliates had failed to respond, I sent letters to my Attorney. All previous correspondence had been sent to XXXX XXXX XXXX XXXX XXXX, SD XXXX. Attorney had not received, an responses on any write offs. Sears informed me that referenced account had been written off and that I owed nothing now they are saying account is not written off and that payments are due. Wanting to resolve expeditiously and remove derogatory comments from credit reports, On XX/XX/XXXX I submitted a negotiated settlement offer to my Attorney for his review and comments. On or about XX/XX/XXXX, I asked my Attorney if he was able to reach a settlement with Sears. I submitted a letter to Sears/CBNA informing them that as of XX/XX/XXXX credit report continues to shows referenced account as a Failed to Pay, resulting in a negative impact on my credit files. I find your assessment shocking and appalling On XX/XX/XXXX a letter was sent to CITI Vice President disputing sudden increase to minimum payment due, assessing of late charges and non receipt of XX/XX/XXXX payment. I stated that XX/XX/XXXX payment had been processed late due to system failure. On or about XX/XX/XXXX, CITI Recovery informed me that referenced account had been written off, even though I had continued to make payments and Sears insisted on charging me late fees. CITI Recovery stated that account had been written off and no further payments were needed. Based on this information, XXXX payment was not made. XX/XX/XXXX letter was sent to my Attorney, requesting assistance on resolving Sears Account and I believed that I was being given the run around. My Attorney instructed me to contact XXXX to obtain written documentation that account had been written off and that I was no longer liable. I was told by CITI XXXX that they had received correspondence from Sears stating that account had been written off. XXXX stated that after a through review of documents, that there were no amounts reported due and that I did not owe, thus free from future liabilities. No monthly billing was received during this period. Sears and Associates had yet to responded to my letters disputing these outrageous past dues, and my proposed settlement offer. As of the date of this complaint, no responses to proposed offer/or any counter offers had been received. XXXX XXXX representative informed me that account had been purged that Sears ' Attorneys had submitted a letter stating that referenced account had been written off. Sears stopped sending billing statements. Last billing statement received was for XXXX XXXX, which was paid, but I continued to dispute late charges. XX/XX/XXXX was the last letter received from Sears, but did not address my dispute of amount due, reported past dues, and late charges. XX/XX/XXXX letter to My Attorney I asked if he was able to reach a favorable settlement with Sears. My Attorney requested that XXXX I provide documentations stating that Sears account had been written off and that I owed nothing. XXXX stated that they were unable to provide these write-off documents and insisted that their records show that account had been written off and I was no longer liable. On or about XX/XX/XXXX, I received from the XXXX District of New York a copy of notices confirming that Sears had file for chapter XXXX bankruptcy. According to this bankruptcy notice, I was informed that there was no action required on my part. Case No. XXXX ( XXXX ) Adversary Proceeding Case No. XXXX ( XXXX ). This case notice was sent to my Attorney. Due Sears non responses to my letters, proposed settlement offer of XX/XX/XXXX, my Attorney 's letter, and the Bankruptcy notice, it is requested that I be exonerated of any and all obligations from Sears. The reason for this request for exoneration includes but not limited to Derogatory comments found on credit files, one department claimed account had been written off, department stated that that I was no longer liable for balance owed on referenced account. Another Department stated that I was now liable for balance owed, and that account was not written off nor purged. Sears never provided an explanation on why account continues to be reported past due even after being written off. Sears or Affiliates never responded to settlement offer in accordance with Federal guidelines in a timely manner according to Federal rules and regulation guidelines. Sears/Affiliates miscommunications continues to have a negative impact on credit scores and I am being depicted as uncreditworthy. I am unable to achieve my financial goals and objectives. I am having to suffer the consequences resulting being denied credit card promotions, personal loans and a consolidation loan.
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| 06/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Hi, I am at a loss here with Citibank as to how they did a bait and switch and not able to do the right thing for what they call a clerical mistake. The fact that led me to believe and they earned my business was the email which shows a screen shot from the citibank mortgage representative showing the interest rate of 4.125 % with a note above that saying my rate will 3.625 % with the RP ( relationship pricing ) discount. I replied to that email, and asked him to lock it and specified the interest rate at 3.625 %. He confirmed with an email saying locked!. They locked it, and never for once mentioned anything else and I am constantly thinking my rate is 3.625 %. I even asked during closing, where is the RP discount its not showing in the closing documents, they replied, saying it was on the system. To resolve this issue, I have talked to the representative, to his supervisor and then to his manager. All of them agree there was a mistake made but they are not willing to give me interest rate that was promised. Instead, they are offering $ XXXX. XXXX % increase in interest over the 30 year loan is a very expensive for me to ignore when they made this mistake. I need your help to resolve this matter.
See emails below. I can explain to you over the phone or provide more details if you need. Since this web form only allows text, some of the images in the most important email are cut off. I have attached a pdf copy of that as an attachment to that.
Regards, XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX, XXXX XXXX XXXX Date : Mon, XX/XX/2022 at XXXX XXXX Subject : RE : Next steps in your mortgage process To : XXXX XXXX XXXX Hello XXXX XXXX, XXXX am unable to provide you an interest rate of 3.625 % due to the email/communication ( in error ) from the Mortgage Representative. The rate was not available & the only confirmed rate we can offer is what was disclosed on the Loan Estimate ( 4.125 % ). 4.125 % is the correct rate based on your application & what was shown on the closing documents you signed.
As I mentioned, we can offer you a {$2000.00} post close check due to the inconvenience. Your complaint has been filed and this is my only resolution. Let me know if you would like to discuss further by phone.
XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX Sent : Monday, XX/XX/2022 XXXX AM To : XXXX, XXXX XXXX [ XXXX ] Subject : Re : Next steps in your mortgage process This Message is From an External Sender This message came from outside of your organization.
Hi XXXX, Its been few days since I sent my email and I was hoping you had a chance to read and looked in to this further. I appreciate any update to resolve this issue.
Regards, XXXX XXXX Wed, XX/XX/2022 at XXXX AM XXXX XXXX XXXX wrote : Hi XXXX, Thanks for calling me on the phone to discuss this issue yesterday. I am forwarding just the chain of emails that started this process and discussed the rate and specific request to lock interest rate at. Every time I look at them, I am still at a loss as to how Citibank can say one thing for an interest rate and lock in at a different rate.
The information in the email shows that from an original interest rate of 4.125 %, I was promised a RP discount of 0.5 % based on my investment with Citi. The emails show how this was explained to me. They led me to believe that the discount of 0.5 % was applied on the system, though the interest rate was showing 4.125 %.
I sent an email, based on my understanding of XXXX email, stating to go ahead and lock the rate with his second option, specifying that I was approving for him to lock the interest rate at 3.625 %. There was no authorization from me to lock in any different rate.
Citibank did not do its due diligence to clarify their rate, and when I sent an email to approve the lock in at 3.625 % they should have said it was not possible. Then, I would have considered other options ( such as XXXX XXXX which had also offered me a 3.625 % rate ) or Citibank should have obtained my approval to lock at any other rate.
The way they communicated to me continued to make me believe that the rate was going to be discounted.
I kept on asking about this discount, even during the closing, and kept following up on the email about the discount not showing up. I was again led to believe that the RP discount was on the system.
Citibank should not have locked the interest rate at the rate of their choosing, and honored what they had told me in their emails. This was a bait and switch on Citibanks part that betrayed my trust and essentially scammed me. The difference in this case is 0.5 % for the life of this loan which is fixed at 30 years. I don't think this is fair for me to bear this higher rate especially when I had an offer for a 3.625 % rate from XXXX.
I hope you can look into this to make the necessary rate adjustment, to reflect what was communicated in the beginning to earn my business. I have been a customer of Citibank over 30 years and this appalling behavior is something I have never seen before. I appreciate your time in looking into this matter and I am looking forward to your email to resolve this issue.
Regards, XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Mon, XX/XX/2022 at XXXX PM Subject : Re : Next steps in your mortgage process To : XXXX, XXXX XXXX Lets go with second option below at 3.625 % to lock the rate? Is there a float down option if rate changes before closing?
On Mon, XX/XX/2022 at XXXX AM XXXX, XXXX XXXX wrote : XXXX, XXXX speaking with you Sir. As I was running the rates, I noticed the rates I provided you had already been discounted by .250 % since we are using $ XXXX in assets for your Relationship Pricing, it would be .500 %, so please disregard the rates I gave you on the phone, these are the actual rates pertaining to your discount. Once we lock in the rate, I will walk you through the next steps. Please advise which rate you would like to lock in.
Thank you!
With RP discount rate would be 3.500 % With RP discount, rate would be 3.625 % Thank you, Citibank with XXXX XXXX XXXX XXXX ( XXXX ) Lending XXXX NMLS # : XXXX Phone : ( XXXX ) XXXX XXXX My Website XXXX XXXX XXXX XXXX, MO XXXX Home XXXX Search Homes, Find a Pre-Screen Agent, Research Your Homes Value Please note any rates quoted can change at anytime. When using email to send confidential documents please send them to XXXX with your full name and loan number in the subject. For a higher level of security, visit www.citi.com/mortgagestatus to check your loan status and upload required documents. If you prefer to mail your documents, a self-addressed envelope will be provided in your Welcome XXXX. If you require an additional envelop or need assistance uploading documents, please contact your processor.
A referral from you is the highest compliment I can receive-I would appreciate the opportunity to assist anyone you know with refinancing or purchasing a home!
From : [ gmail.com ] XXXX XXXX XXXX Sent : Monday, XX/XX/2022 XXXX AM To : XXXX, XXXX [ XXXX ] Subject : Re : Next steps in your mortgage process This Message is From an External Sender This message came from outside of your organization.
Yes On Mon, XX/XX/2022 at XXXX AM XXXX, XXXX XXXX wrote : Hi XXXX, XXXX! I have an opening at XXXX XXXX between clients, this should take but XXXX minutes to discuss rate and go over next steps. Does this time work for you?
Thank you, Citibank with XXXX XXXX XXXX XXXX ( XXXX ) Lending XXXX NMLS # : XXXX Phone : ( XXXX ) XXXX XXXX My Website XXXX XXXX XXXX XXXX, MO XXXX Home XXXX Search Homes, Find a Pre-Screen Agent, Research Your Homes Value Please note any rates quoted can change at anytime. When using email to send confidential documents please send them to XXXX with your full name and loan number in the subject. For a higher level of security, visit www.citi.com/mortgagestatus to check your loan status and upload required documents. If you prefer to mail your documents, a self-addressed envelope will be provided in your Welcome XXXX. If you require an additional envelop or need assistance uploading documents, please contact your processor.
A referral from you is the highest compliment I can receive-I would appreciate the opportunity to assist anyone you know with refinancing or purchasing a home!
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| 01/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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This new Complaint number is my Feedback to Company 's Response of XX/XX/XXXX that I failed to send due to some problems in the computer system. This is intended to enable Consumer Finance Protection Berau ( CFPB ) and Citibank N.A. XXXX to have the factual information, as feedback to ( Citibank 's ) Company 's Response of XX/XX/XXXX to my Complaint no XXXX of XX/XX/XXXX.
MY FEEDBACK ON THE COMPANY 'S RESPONSE OF XX/XX/XXXX TO MY COMPLAINTS NO XXXX of XX/XX/XXXX.
My Feedback to Company 's Response Sentence 1 ( MF TO CRS 1 ). Citibank, in their Company 's response Sentence 1 ( CRS 1 ), twisted the facts about my identity as existing Citibank Customer i.e. 1. I am not only Citibank existing CREDIT CARD AND READY CREDIT customer, but I am also Citibank existing customer of SAVING AND INVESTMENT account. 2. Citibank has stolen my money from my SAVING AND INVESTMENT account. This is why Citibank elliminated my identity as Customer of their SAVING AND INVESTMENT account. 3. I never received those four credit cards 4. These four Credit Cards are all unsolicited. Citibank made a mess to my credit and debit accounts and violated, A. The U.S. Department of the Treasury Regulation Z, for issuing unsolicited Credit Cards prohibited to be issued by a Bank for any uses. B. The XXXX Banking Law no.10 year XXXX Article 49 ( 1 ) a, b and c, for stealing and eliminating my debit account. MF TO CRS 2. On XX/XX/XXXX I was already XXXX years old of age, I had been no longer qualified for Citibank 's ADD ON CARD PROGRAM according to XXXX XXXX Regulation number 14/02/PBI/2012 chapter 15 A. Paragraphs ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ) and ( 6 ), Chapter 16 Paragraphs ( 1 ), ( 2 ) and ( 3 ). Citibank is to be reported to XXXX XXXX and further investigated How Citibank could unilaterally offer and unsolicitedly issue those four credit card accounts with no cards delivered to me and whether they are officially recorded and reported to XXXX XXXX and The Federal Reserves of Banks of America? MF TO CRS 3. On XX/XX/XXXX, I protested Citibank for sending me sms billings dated XX/XX/XXXX charging me for annual fees of the unsolicited four credit card accounts without any cards ever delivered to me. This is to be reported to XXXX XXXX and further serves to be my detail report to The CFPB. Citibank can not try to collect any charges of any transactions that have never occured/been made. MF TO CRS 4. I never had a telemarketing conversation with Citibank On XX/XX/XXXX as I had been not anymore qualified for Citibank 's ADD ON CARD PROGRAM following XXXX XXXX Regulation number 14/02/PBI/2012 chapters 15 A and 16. I had never been contacted by Citibank further after that date for Citibank to comply with the CONSUMER PROTECTION PRINCIPLE of XXXX XXXX Circular Letter No. 14/17/DASP of XX/XX/XXXX. I never have received or signed any written agreement for the offer and never accepted any card delivered to me up untill now. MF TO CRS 5 I severely object Citibank mentioning in their sentence 5 that my outstanding principal Credit Card as " 'original transaction that I used are not disputable '' My principal credit card is in BIG AND SERIOUS DISPUTE WITH CITIBANK . I refuse to pay my outstanding credit card balance and I accepted the Citi Ready Credit offer to discontinue payments until this dispute is resolved. The U.S. Department of the Treasury advice as published states that I would not need to pay as I already filed a proper billing dispute. The bank can not try to collect any required payment, while the dispute is being investigated. MF TO CRS 6. Citibank had not closed all the four unsolicited credit cards on XX/XX/XXXX according to XXXX XXXX Regulation number 14/02/PBI/2012 Chapter 16 Paragraphs ( 1 ) letters g and h. There have never been any official document closing so far. Besides on XX/XX/XXXX in response to my queries these four unsolicited credit cards were reported to me verbally to have been still active on System Screen of XXXX XXXX XXXX of XXXX Florida USA.
MF TO CRS 7,8,9,10 and 11. I have the right to raise complaints and to process a lawsuit to Citibank, if Citibank does not resolve the following three FELONIES they did to me causing severe financial losses on My Part during XX/XX/XXXX to XX/XX/XXXX period, AND NOT IMPOSSIBLE, TO THE GOVERNMENTS OF XXXX AND AMERICA i.e. : 1. Citibank issued four unsolicited credit cards under my name. 2. Citibank elliminated Dates of Transactions of Monthly Easy Pay Transactional Reports to me and to XXXX Customers and made unauthorized payments for unauthorized charges during XX/XX/XXXX - XX/XX/XXXX ( 26 years ) period. 3. Citibank Illegaly withdrew my money from my personal Saving and Investment Account on XX/XX/XXXX. The mediation process by XXXX XXXX on XX/XX/XXXX failed to reach a resolution on all of the three FELONIES Citibank did to me. Citibank silently denied and avoided to resolve the three FELONIES and instead offer me for so called a settlement deduction program for the outstanding balance in my Credit Card and Ready Credit accounts. I vehemently refuse this so called " GOOD WILL '' on their offer for payment deduction. I demand for a ). Consumer Financial and legal Protection by any Law Institutions, b ). return of my money stolen by Citibank and c ). reimbursements by Citibank to repair the financial/ material and immaterial losses I suffer using this Formula { A x ( 1 + B ) x C } where A = the total amount of debt claimed that have no dates of transactions during XX/XX/XXXX - XX/XX/XXXX ( 26 years ) period. B = the monthly interest rate reimbursing my business return rate lost. C = number of settlements I made during the period of XX/XX/XXXX to XX/XX/XXXX. MF TO CRS 12, 13, 14, 15, 16 and 17. Citibank can not implement their Credit card terms and conditions of clauses nos 6.2 and 9.5. They are INVALID by operation of law according to the XXXX Law no 8 of year XXXX Chapter V Provision to Include Standard Clause Article 18 Paragraphs ( 1 ), ( 2 ), ( 3 ), and ( 4 ) on Consumer Protection. Citibank can not use their clauses as they contain unilateral actions by Citibank and contravene law no 8 of XXXX and The U.S. DEPARTMENT OF THE TREASURY regulation that states that Banks can not try to collect any portion of any required payment related to the disputed amount while the dispute is being investigated. Even under normal circumtances Banks can not treat their Consumer this type of FELONY. This is a robbery by Citibank.
MF S 18, 19, 20, 21, and 22, The dispute on Citibank manipulating, elliminating data and stealing my money is not about a discussion on a terminology. This is about a violation/harrassments of XXXX XXXX Regulation no 14/02/PBI/2012 Chapter 16 B Leter e by Citibank. This regulation stipulates that dates of transactions are one of the minimum fourteen data / information that must be included in Citibank BILLING STATEMENTS submitted to me and/or other cardholder ( s ). Citibank 's definition on Easy Pay does not recognize that both retail transaction and fixed installment transaction must have dates of transactions. Elliminating these dates are certainly a violation of/damaging XXXX XXXX Regulation no 14/02/PBI/2012 Chapter 16 B Leter e. Citibank has to be audited, investigated and must be held responsible to reimburse the financial losses for applying this elliminated and corrupted information for all Citi Customers in XXXX as they stated in Company 's Response Sentence no. 22 ( CRS 22 ). MF S 23, 24, 25, and 26, Citibank administer transactions in this ONE BILL SERVICE program only with telephone calls never with other electronic device and hardcopy documents. Bills from the utility companies never delivered to me. I complained and requested for termination of this service but only after more than 5 years Citibank closed them with no communication enabling Citibank to make unauthorized payments for unauthorized charges with their manipulators and collaborators. Citibank is to be audited and investigated by XXXX XXXX and The Federal Reserves of Banks of America. Ciibank is to be made legally responsible to reimburse for these big losses I suffer as caused by Citibank violation of XXXX Government Regulation NO. 82 year XXXX concerning Electronic System and Transaction Operation CHAPTER IV IMPLEMENTATION OF ELECTRONIC TRANSACTIONS Part 3 Articles 46, 47, 48, 49, 50 and 51.
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| 12/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am writing this complaint to seek assistance from the Consumer Financial Protection Bureau in informing others that Citibank provides no protection for consumers when dealing with hotels when the room you paid for months in advance is not the room you receive at check-in after seeking resolution through the Citibank Dispute Department XXXX I was disappointed to learn today that the Costo Citibank Visa fails to offer protection in such cases.
On XX/XX/2023, I spoke with a Citibank representative named XXXX, who informed me that Visa and Mastercard always side with hotels in such situations because the registration card signed upon check-in is considered a contract. When I asked for documentation to support this policy, the representative could not provide it but suggested it could be available online and that I should " XXXX it. '' My contact with Citibank 's Dispute Department began on XX/XX/2023, when I submitted a dispute for {$680.00} for the XXXX XXXX XXXX XXXX The hotel should have provided the room I had initially booked on XX/XX/2023, for which I had paid a deposit of {$680.00} using my Costo Citibank Visa.
( For your review, the additional details of what happened on XX/XX/XXXX and XXXX, 2023, are outlined in the attached document. ) On XX/XX/2023, I contacted Citibank to file a dispute regarding my stay at XXXX XXXX. The bank issued a temporary credit of {$680.00} on XX/XX/2023.
A few weeks later, Citibank received a response from XXXX. The hotel provided a folio and registration card in response to the dispute.
However, the documents provided by XXXX XXXX did not address that the room I was given on XX/XX/XXXX, XXXX, differed from the one I had booked on XX/XX/2023. Additionally, the folio provided by the hotel falsely stated that I had stayed for two nights, which was not true.
I was quick to point out in my response that the registration card is a necessary document for check-in, as guests must sign it to access their hotel room, and it has nothing to do with the fact the room I was assigned was not the room I paid for.
In fact, on the afternoon of XX/XX/2023, after speaking with two XXXX employees ( XXXX and XXXX XXXX and reaching a resolution on XX/XX/XXXX. I would return the keys to the room I had been given at check-in.
In exchange, I was offered food and beverage credit and a new room, which was the type of room I had initially booked. Unfortunately, a traumatic encounter with two different XXXX employees occurred later that day, which caused me to leave the hotel on the afternoon of XX/XX/2032. The folio and statement XXXX provided to Citibank are bold lies.
In a detailed statement to Citibank Visa, I did not receive the room I had paid for and left the hotel on the afternoon of XX/XX/XXXX. I filed a dispute with Citibank on the evening of XX/XX/2023.
After providing the details of what happened that evening by phone, the conditional credit of {$680.00}.
However, a few weeks later, I received the XXXX ( the XXXX ) response to Citibank on XX/XX/2023. The letter provides a limited explanation for why the conditional credit was reversed in the XXXX 's favor on XX/XX/2023.
I contacted Citibank 's Dispute Department for more information. I was told that I would need to respond in writing, provide a detailed response/ explanation, and ask for the credit to be resorted after submitting the additional details. The credit of {$680.00} was restored on XX/XX/2023.
I responded to the request for more information by providing the Citibank Dispute Department additional information that included a signed XXXX letter with images of the room in question and further supporting details, including reviews of other guests that experienced the same mistreatment, website data that XXXX made changes to their website after my encounter, regarding the room types and booking options.
The information I provided to XXXX clearly outlines the dishonesty and mistreatment I received from Circa to the XXXX XXXX Department.
A short time later, I received a letter from XXXX stating that they had contacted the Merchant regarding the credit and XXXX would contact me if there was an issue.
On XX/XX/2023, Citibank again reversed the credit of {$680.00}, finding the XXXX 's favor yet again and without explanation.
I contacted Citibank on XX/XX/2023, for an explanation as to why, after all the detailed information I provided, I was still responsible for a service I did not receive.
The first Citibank representative could not explain ; he could only say that it was the decision of the XXXX Department and that there was nothing more that Citibank could do for me. At this point, I asked him to speak with a supervisor.
Initially, the Citibank supervisor, XXXX, could not explain why the charge was upheld in the XXXX 's favor. I asked to speak with the Dispute Investigator and was told they are only available by correspondence ; I asked for an email address. XXXX could not provide me with any information, including a contact email for the specific person handling my dispute.
However, moments into the conversation, XXXX made a claim that struck me as odd.
She informed me that Visa and Mastercard always side with the hotel because the registration card is a signed contract.
Even if the hotel does not provide the services you paid for, if they produce a registration card, you have XXXX recourse as a consumer. She went on to state that this is XXXX and XXXX policy, and XXXX must abide by this policy.
This was a policy I was unfamiliar with when I asked for that documentation. XXXX told me she didn't have it, but I could XXXX it.
To be clear, I asked her again. If I sign a document expecting a specific service and the XXXX doesn't provide that service, I'm just out of luck.
She apologized and said that, unfortunately, when it comes to hotels, she is afraid so.
I asked her what protection I would have, and she said very little, if any ; again, I signed a contract.
I have never heard of any such policy, and I have yet to be able to verify this policy that Visa and MasterCard supposedly have in writing somewhere on the internet.
I selected the Costo Citibank Visa because of the supposed consumer protection.
If that policy exists, what protection does Citibank offer its customers when services are not provided?
According to the representative named XXXX, there is XXXX protection if a consumer signs a hotel registration card.
A signature, ID, and credit card are required at the time of registration for any hotel. It was only after my husband and I got to the room that we found out the room they assigned was not the room I had reserved.
I was shocked to hear that a Merchant can produce fraudulent documents and refuse to provide the service the customer has paid for, and Citibank will always find in the Merchant 's favor...
I am disappointed as I believe that Costco Citibank has mistreated me again.
having found out today, from a Citi Bank representative that the Costco Citibank Visa card does not provide any protection against fraudulent activity.
According to Citibank, Visa, and MasterCard ignore the dishonest behavior exhibited by companies like XXXX XXXX and XXXX based on a policy that the Citibank employee I spoke with today could not locate.
I want to bring to the attention of the Consumer Financial Protection Bureau that the experience I had with the staff at XXXX XXXX is not unique. Many other guests have reported similar behavior from the establishment.
The issue is that guests often reserve a specific room, but upon checking in, they are given a different room from what they paid for. I have come across various online reviews where guests have expressed their frustration with the dishonesty and aggression shown by the staff at XXXX.
Knowing that Citibank is willing to support fraudulent behavior based on an unwritten credit card policy is disheartening. I am disappointed that Costco Citibank offers no protection to consumers in good standing like me. It is even more concerning that representatives like XXXX disseminate unsupported claims about XXXX and XXXX.
In summary, I feel let down by Costco Citibank, and I hope that the Consumer Financial Protection Bureau will investigate this issue and help end such fraudulent practices.
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| 04/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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Citi Banks ' website offers assurances that card holders will be protected from unauthorized and fraudulent charges. " Citi helps to protect your accounts from day one, '' a webpage states ; also, " You're completely protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise. '' But, Citi Bank 's process for investigating such charges appears designed to thwart that promise.
Unknown to the public, the bank employs an unorthodox definition of " authorize. '' And the bank 's process for handling unauthorized and disputed charges is a " black box '' -- opaque to the consumer. In addition, the process is highly leveraged in favor of the merchant, who is invited to present his case, with any documentation, while the customer is muzzled, discouraged from providing documentation, and permitted only to check off a box that would not likely affect the outcome, according to a Citi representative. These conclusions are supported by my recent experience with Citi Bank.
I received an email notice from Citi Bank on XX/XX/XXXX at XXXX XXXX ET that a charge of {$200.00} had been made to my AT & T XXXX account. I was not expecting a charge of that amount and realized that I could not find my credit card. I assumed it had been stolen. Wanting to be a responsible bank customer, I immediately reported the card as lost or stolen on Citi Bank 's website so that other unauthorized charges could be prevented. The website only offers checkboxes, and I checked the one that seemed most pertinent, although none seemed to fully describe the situation. The bank 's website did not allow users to submit any details or explanation and made no mention of alternatives. It did not explain how Citi defines terms like " unauthorized '' or " fraud. '' About an hour later, at XXXX XXXX CT, I called XXXX to tell them the charge was unauthorized. A customer service representatives disputed that, saying the charge was authorized and that the charge included domain registration extension of XXXX for the domain plus an add-on security product. I was stunned to hear that, believing that all of my domains were set up for XXXX renewals.
Whether that was a mistake of theirs or mine, or intentional interference, I don't know, but I told them that, regardless of what they believed, I did not want to renew registration for XXXX years ( I can not afford it ), and asked for a XXXXr renewal ( which I routinely request for domains ). This discussion took place on the first day that the registration could be renewed. I considered that a reasonable request, and other merchants would gladly comply, but XXXX told me they would not comply, alleging they could not change the order. They offered no credible explanation for that decision, saying only that it was " policy. '' XXXX 's representative said they would take the domain away from me, auction it and keep the proceeds if I did not pay the full amount that including the XXXX renewal. ( At some point, CitiBank had declined payment, I learned from an email, though it's unclear when. ) XXXX did not offer to separately renew a second domain acknowledged by them in a later email as authorized for XXXX renewal. I wanted to renew both domains for XXXX year, but XXXX took XXXX domains from me because I would not authorize the {$200.00} charge. Their response was so unreasonable, I could only conclude that XXXX saw a big profit for itself in auctioning the domains, which had appeal for many people and could see for hundreds of dollars.
I tried to submit the new information about the charge to CitiCard via their online chat system, but their chat system refused to accept it. ( Whether that was intentional or a breakdown, I don't know. ) Because it is torture to try to get someone at Citi on the phone, I waited for CitiCard to call me for more information, assuming they would want to know more than a check box could provide. No one from Citi called.
On XX/XX/XXXX, I received emails from XXXX informing me they had taken possession of XXXX of my registered domains -- xxxxxxxxxx.info and the second domain, xxxxxxx.com, that I also had wanted to renew for XXXX year. XXXX alleged it was not possible for to renew the domains. On XX/XX/XXXX, CitiBank informed me that it had received a letter from XXXX, dated XX/XX/XXXX, saying it still wants payment of {$200.00} -- for registrations it says can not be provided for domains XXXX now claims as its own. It is blatantly unfair and fraudulent, in my view, to charge a customer for a product the merchant says it can not provide. As a customer of XXXX for more than a decade, and as a XXXX retiree living on a small pension amidst an economic crisis, I was shocked and hurt by XXXX 's abuse. But, I was equally shocked by Citi 's response.
After receiving Citi 's email telling me to view XXXX 's response, I called Citi -- an effort that required XXXX calls across a XXXX period -- and eventually was forwarded to a representative in their security section. In other words, it was a typical XXXX experience. The Citi representative appeared interested only in whether I wanted to check off a box reporting the transaction as fraud, or not. He made clear to me that it didn't really matter which box as Citi considered XXXX 's charge to be " authorized '' merely because my Citi card was on file with them for recurring charges. I had never been informed of that policy previously, had seen nothing about it on Citi 's website, and I doubt most other bank customers are aware of it. Millions of people have cards on file for recurring utility charges, newspaper and XXXX subscriptions, and much more.
When I tried to make my case and offered to provide documentation, the representative repeatedly cut me off with comments displayed thinly veiled contempt for my credibility. There was no reason for such an assumption and this was not the first time a male representative of CitiBank had treated me so.
On top of an extremely unequal " investigation '' process, for which the outcome appeared to be pre-determined, the Citi representative informed me that the bank has XXXX channels for handling charge issues, XXXX running through the security department, and XXXX designated for dispute resolution. He told me a dispute received by XXXX department could not be transferred to the other. Again, I was given no credible explanation except that it is " policy '' -- a word that companies apparently use when they are ashamed to reveal the real reason.
Given Citi 's other policy that having a credit card on file warrants a merchant to make any charges it desires without accountability, it probably did not matter how my complaint was directed. I was not happy with the dispute resolution channel 's handling of a past complaint and had to resort to filing a complaint here before the charge was permanently reversed. I thought perhaps that was an exception, but now that I know more about the bank 's handling of complaints, I can see that unfairness is baked into its complaint process. Trying to negotiate that process was frustrating and exhausting, and left me feeling as if someone had accosted me on the street and taken my purse.
Citi 's webpage where I reported the lost/stolen card ( that still has not turned up ), does not explain its XXXX process or offer alternatives to checking off its checkbox on that page. Further, it does not explain how Citi interprets the word " unauthorized '' although that is critical to getting a complaint to the most applicable department, I'm told. In every way, the Citi Bank customer is handicapped by the process Citi Bank uses, and it seems likely to handicap investigating credit card fraud as much as it handicaps customers in getting unfair charges dismissed.
I believe Citi Bank 's complaint process violates commonly-accepted notions of fairness and accountability, and probably violates fair advertising law. I hope someone will investigate Citi 's handling of unauthorized charges, its advertising claims and how women customers are treated, and ensure that necessary changes are made. Finally, I request that someone with the appropriate authority will intervene to dismiss XXXX 's charges to my card for a product it refuses to provide.
|
| 07/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American, Servicemember |
|
Before the Federal Consumer Finance Protection Bureau Re : Citicards, XXXX XXXX XXXX, XXXX XXXX SD XXXX Re : Credit Card Account ending in XXXX ( XXXX ) Re : Citicard # XXXX On XX/XX/XXXX I contacted Citibank via telephone to pay my current Citi/AAdvantage Platinum Select World Elite MasterCard, prior to receiving my statement, because I was leaving the country that night. At the same time I requested that Citibank send me written copies of my statement. On XX/XX/XXXX, I received written copies of my card statements, and noticed a charge of {$21000.00} made by the XXXX XXXX ( merchant in XXXX ) on XX/XX/XXXX was an unauthorized charge. I contacted Citibank Customer Service and advised them that the charge was fraudulent and disputed the charge ( Citibanks web directions for disputing credit card charges ). Citibank cancelled my card and issued me a new one. Citibank did not advise me that I needed to dispute the charge in writing. ( Note : XXXX XXXX additionally charged my XXXX XXXX credit card for {$10000.00} on the same day ). ( Refer to Attachment A ).
Citibank failed its fiduciary duty by not advising me that there was a possible fraud charge made to my credit card from out of the country. XXXX did not try to prevent the fraud before it occurred.
To further protect my dispute rights, on XX/XX/XXXX, I sent Citibank, a written objection to the XXXX XXXX charge, including 64 pages of documents supporting the fact that the XXXX XXXX charge was not authorized. On XX/XX/XXXX I sent Citibank additional information. My correspondences and documents were emailed to Citibank security and faxed to XXXX. ( Refer to Attachment B ).
In following up on my dispute, on XX/XX/XXXX, I contacted Citibank and spoke with an individual, who identified herself as XXXX. XXXX informed me that the disputed charge would be credited back to my account.
On XX/XX/XXXX Citibank mailed me their findings, which were received by me on XX/XX/XXXX. In Citibanks correspondence they state that they found that the charge was authorized because the merchant was provided with the card number by you. Additionally, Citibank stated, We have no means to obtain credit from the merchant. Citibank further stated, Any further requests for reimbursement should be directed to XXXX XXXX XXXX XXXX. ( Refer to Attachment C ). It appears ( 1 ) Citibank assumes incorrectly that because the merchant had my card number they were authorized to use it ; Citibank ignores the fact that merchant fraudulently obtain the number ; ( 2 ) the real reason for the dispute denial is because Citibank can not obtain reimbursement from the merchant ; ( 3 ) Citibanks statement that I should seek reimbursement from the merchant, gives credence to the fact that the charge was not authorized ; Of course the merchant does not want to return the money, which is why I rely on Citibank to fight for me.
After receiving Citibanks XX/XX/XXXX letter, on XX/XX/XXXX, I sent a correspondence to Citibank, in which, I disagreed with Citibanks findings that the charge was authorized by me.
( Refer to Attachment D ).
A summary of the correspondences and documents sent to Citibank are below.
1. I and XXXX XXXX purchased a vacation point program with a different resort ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for the sum of {$31000.00}, which was paid in full, with no balance owing. I paid for the purchase using my Citibank/MasterCard, one charge for {$2000.00}, a second for {$18000.00} and XXXX XXXX for {$10000.00}. Additionally, nowhere in the contract is the name of the XXXX XXXX mentioned as a party to the contract ; as such, the XXXX XXXX has no right or interest in the contract. The XXXX XXXX was not in privity of contract, as such, could not act on behalf of XXXX XXXX, the Resort I purchased. ( Refer to Attachment A ).
2. The XXXX XXXX Citibank credit card authorization dated XX/XX/XXXX allegedly signed by me in the amount of {$21000.00} is a forgery ; I could not have signed that authorization because I was not in XXXX on XX/XX/XXXX. On XX/XX/XXXX, I provided Citibank with documentation that I was in Colorado on the date that I allegedly signed the authorization.
That documentation included ; an Interval International conformation for my reservation at the XXXX XXXX XXXX in Colorado for XX/XX/XXXX-XX/XX/XXXX; a copy of check-out statement from the XXXX XXXX XXXX stated I arrived on Saturday, XX/XX/XXXX and departed on Saturday XX/XX/XXXX. ( Refer to Attachment E ).
3. On XX/XX/XXXX, I sent Citibank copies of emails dated XX/XX/XXXX, stating that I and XXXX XXXX wanted to exercise their right to have XXXX XXXX buy back our membership ( which was an option as of XX/XX/XXXX ). ( Refer to Attachment F ). I sent emails to three emails that belonged to XXXX XXXX and they all came back as undeliverable. I pulled up the web site for the XXXX XXXX resort and found that it no longer existed. Additionally I called XXXX XXXX XXXX number and it was disconnected. ( Refer to Attachment F ). The points program I purchased from XXXX XXXX XXXX was no longer in business and ceased to exist.
This is only a summary of the numerous evidence and documents that I produced in support my allegations that a fraud was perpetrated against me, when XXXX XXXX charged my Citibank credit card on XX/XX/XXXX for the sum of {$21000.00}. Citibanks findings are contrary to the facts. Citibank credit card division supported and aided the fraudulent and unethical activities of this merchant.
Citibank did not exercise due diligence in their investigative process. I am a victim of the fraudulent charge and it appears to me that Citibank did not take any action against the wrongful charges and would rather have the cardholder bear the liability.
Citibank did not comply with Federal Trade Commissions Reg.s : On XX/XX/XXXX, the day I received my written Citibank statement that included the XXXX XXXX charge, I advised Citibank Customer Service by telephone that the XXXX XXXX charge of XX/XX/XXXX was unauthorized. Citibank did not object to my telephonic dispute relating to the XXXX XXXX charge ; Citibank acted on my dispute as if the dispute was written when Citibanks Customer Support forward the dispute to their Security Department for Investigations.
On XX/XX/XXXX, I contacted Citibank security ( XXXX ) and was connected to a representative identified as XXXX. XXXX informed me that the XXXX XXXX had not responded to their verification messages, as such, the {$21000.00} would be credited back to my credit card.
Citibank began their investigation on XX/XX/XXXX. Additionally, my written dispute/objection was sent within the 60 days of when I received the written Citibank charge statement. Citibank did not provide written confirmation that they had received my objection to the XXXX XXXX charge of {$21000.00}, in violation of FTC regulations. The only written correspondence I received in this matter was on XX/XX/XXXX, which documented Citibanks investigation findings. It should be noted that Citibanks only contact with me was the XX/XX/XXXX dated correspondence. ( Refer to Attachment C ).
FTC regulations state that failure to provide the card holder with written notice that they received the card holders objection to the merchant charge, within 30 days, limits the credit card holder to {$50.00} recovery of the charged amount. I reported the fraudulent charge to Citibank on XX/XX/XXXX, and received their only written correspondence on XX/XX/XXXX ( Correspondence dated XX/XX/XXXX ).
FTC regulations further state that if a merchant charge is authorized, even though disputed by the card holder the card holder can request of the card company ( Citibank ) to produce all the documents and evidence that they relied upon to support their findings. On XX/XX/XXXX I faxed and emailed an objection to Citibanks findings and requested that they produce the documents and evidence in support of their findings ; as of the date of this correspondence, I have not received the requested items, better yet a reply from Citibank. ( Refer to Attachment D ). Citibank is once again in violation of FTC regulations by their refusal to produce the requested documents.
CFPBs assistance in correcting this wrong by Citibank is greatly appreciated.
Respectfully, XXXX. XXXX XXXX
|
| 03/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Since my complaint on XX/XX/XXXX below so many things have taken place. The things that changed are listed below : 1. Home Depot and Best Buy continue deceptive marketing of CITI Bank Credit card financing by saying that the financing be it 6 months, 12 months, 18 months or 24 months is NO INTEREST AND NO PAYMENT. I confirmed this as late as this month and when I probed the sales representative he told me that you are only required to pay a minimal amount.
2. The charge on the closed Home Depot Card was actually for my Kitchen project but I was told that THE FINANCING WAS FOR 6 MONTHS NO INTEREST AND NO PAYMENT.
3. UNFORTUNATELY FOR ME, THIS PROJECT WAS COMPLETED IN XX/XX/XXXX, AND THIS MONTH WAS THE TIME, MY ONLY SISTER AND FAMILY MEMBER LIVING WITH ME WAS DIAGNOSED WITH XXXX XXXX XXXX XXXX. WITH THE DECEPTIVE INFORMATION PROVIDED BY HOME DEPOT, ( PROGRAMMING MYSELF TO PAY THE CHARGE OFF BY SIX MONTHS ), AND RUNNING AROUND TO SAVE MY SISTER 'S, CITI BANK CONTINUED TO PILE DELINQUENT CHARGES ON THAT CARD. MY SISTER FINALLY LOST THE FIGHT FOR HER LIVE IN XXXX OF XXXX.
4. THE SAME THING THAT HAPPENED IN XXXX WITH MY HOME DEPOT CITI BANK CARD ( DECEPTIVE 18 MONTHS NO INTEREST AND NO PAYMENT PROMOTIONAL FINANCING ) HAPPENED AGAIN IN XX/XX/XXXX AND XX/XX/XXXX WITH MY BEST BUY CITI BANK AND HOME DEPOT CITI BANK CREDIT CARDS. THE DIFFERENCE THIS TIME WAS THAT I WAS NOT CAUGHT UP IN TRYING TO SAVE MY SISTER 'S LIVE AND SECONDLY I FILLED FOR A BUSINESS LINE OF CREDIT, WHICH BROUGHT OUGHT THE DELINQUENT REPORTINGS IN MY CREDIT REPPORT. I HAVE SINCE PAID OFF ALL THE BALANCE IN THE HOME DEPOT CITI BANK CARD AND SET UP A RECURRING MONTHLY PAYMENTS TO THE BEST BUY CITI BANK CARD.
5. NON OF THESE DELINQUENT CHARGES WOULD HAVE NOT OCCURED IF HOME DEPOT CITI BANK SALES REPRESENTATIVE DID NOT USE DECEPTIVE MARKETING OF " NO INTEREST AND NO PAYMENT FINANCING '' TO LURE ME TO CHARGE THAT AMOUNT ON THE CARD.
6. I ALSO REALIZED THAT THOSE DELIQUENT REPORTING WERE IN MY ; XX/XX/XXXX, XX/XX/XXXXANG XX/XX/XXXX CREDIT REPORTS.
I HEREBY SOUGHT YOUR ASSISTANCE THROUGH THE ABOVE CREDIT REPORTING AGENCIES TO PURGE ALL DELINQUENT REPORTING ON DATES LISTED IN MY XX/XX/XXXX COMPLAINT FROM MY CREDIT REPORT XX/XX/XXXX, XX/XX/XXXXAND XX/XX/XXXX ).
I WILL ALSO URGE CFPB, TO CENSURE HOME DEPOT AND CITI BANK AGAINST FUTURE DECEPTIVE PROMOTIONAL FINANCING Complaint Filled on XXXXis listed below : Good afternoon, My name is XXXX XXXX and I reside in XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Email address and telephone number are : XXXX and XXXX respectively. My complaints are with Citi Bank Credit Card ( Through Home Depot ) and another Citi Bank Credit Card ( Through Best Buy ). Citi Bank Credit Card ( Through Home Depot ) AC # : XXXX ; In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Citi Bank wrongly placed late payments on my credit reports. I was never away that such information was on my credit report because they were wrong. I happened to apply for line of credit and I was informed of the late payments that was reported in my credit report. They told me that I can obtain a free copy of my credit report. When I did, I discovered that the reporting was through Home Depot who recently closed that account without notifying me. All the projects I had had with Home Depot in the past was always 24 months, NO INTEREST and NO PAYMENTS and usually I set up a recurring payments from my bank to take care of all the payments before the 24 months due date. I contacted Home Depot credit card who identified themselves as Citi Bank. I immediately informed them of the incorrect reporting by them on my credit report, they offered to send me copies of the invoices because prior to that those invoices were never sent to me. At the time of that request Citi Bank was operation two cards with Home Depot under my name but shortly after the call, they now refer to that account as closed but no reason was provided to me as to why it was closed and when that took place because as of XX/XX/XXXX, I made purchases at Home Depot with the card. When I finally got the invoices, I contacted Citi Bank to let them know that the information they have on my credit report was wrong and that they should remove those from my report but they said I should contact the credit bureau to have them remove that. I again contacted them today, after noticing the same pattern with a recent transaction with my Best Buy, Citi Bank credit card. This time they told me the account is closed that they will not adjust their reporting. Please this looks like fraud by Citi Bank because the same thing is happening with my Best Buy credit card managed by Citi Bank. On both occasions I was offered 24 months and 18 Months No Interest and No payments. On both occasions my invoices were never mailed and both occasions involved closing my old accounts without notification and sending me new credits cards. Below is what happened with my Best Buy credit card. Best Buy Credit Card ( Through Citi Bank ) Ac # : XXXX : In XX/XX/XXXX, I purchased a television from Best Buy and I was told that I was getting 18 months No Interest and No Payment for the purchase. Shortly after that, I received a credit card from Best Buy and since I had a credit card from Best Buy like Home Depot, I did not activate the card. Meanwhile in I set up a recurring payment to take care of the purchase cost before the 18 months. Suddenly, I started receiving voice mail to go online and review my City Bank - Best Buy credit card. That sounded strange because the message never mentioned payment due and as long as I know the purchase was No Interest and No payments and more over I have not received any invoice from Best Buy or Citi Bank regarding my purchase. It wasn't until I realized what Citi Bank did to my credit report that I decided to contact them, To my surprise when I contacted them they said my account was overdue and was under collection. At this point I have sent {$200.00} to my Best Buy account which I thought was still current. I told them that they do not know what they are talking about, first I reminded them that my purchase was 18 months No Interest and No Payment and the account can not be overdue. Secondly, I reminded them that I sent {$200.00} to them and another payment of {$200.00} was scheduled to be made by my bank of XX/XX/XXXX. They said they did not receive anything and was trying to get me to make a payment of {$100.00}. At that time I thought I was speaking with fraudsters so I hung up. I then went back to the new card Best Buy sent me which was not activated and called the customer service number listed on that card. When the representative came I narrated everything that has taken place and she said that the purchase was set up for No Interest but monthly payments were required. Then I asked her why they have not sent me any invoice since that purchase, but she could not answer that question. When I enquired about the {$200.00} I sent, she said that they have not received anything from me. At that time I had the information where the {$200.00} was sent in front of me, and that was how I found out that the account like Home Depot credit card was also closed and that the card that was sent to me was my new account. I asked her whether she has access to the old account and she put me on hold and when she came back she said that the {$200.00} was in that old account. It was then that I realized that Citi Bank had accessed two late payment of thirty something dollars the new account. The only thing they told me was that they are sorry that they will wave one of the late payments now and asked me to call them back in XXXX to wave the other one, the reason I was meant to wait to wave the late charge due to their error beats me. As we speak I have not received a single invoice on my Best Buy Citi Bank credit card. THIS CLEARLY LOOKS LIKE FRAUD BY CITY BANK. 1. They first offered No Interest and No Payment before purchase, then they turn around and start charging people late charges and putting ridiculous comments on peoples credit reports and if you are lucky you will detect it on time and sometimes pay additional money to clear your records. PLEASE I NEED YOUR HELP TO ADDRESS THESE FRAUDULENT ACTIVITIES.
|
| 01/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I am submitting a complaint about how the chargeback dispute process and the claims and defenses claim I requested were handled by the Billing Dispute Department, Citi Simplicity MC Citibank , N.A . Citi, Citibank.
My City Simplicity MC chargeback dispute and claims and defenses claims involved XXXX XXXX XXXX, owned by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Due to the way XXXX billed me for its services and materials purchased, at this moment, invoices, charges, receipts are so intertwined that I am not sure I can show exactly what was charged for whatever. It is exhausting and frustrating. I am not an accountant. I am not sure what I owe compared to what has been charged to my Citi and XXXX XXXX credit cards. At a quick overview, I think I have been doubled billed and have over paid charges on my credit cards. In my opinion, XXXX XXXX record keeping is a mess. I have attached XXXX Invoices Estimates - Receipts. ( Attachment 1 ) Invoice Clarifications : There are no clear explanations for work completed, no specific list of materials used with cost amounts, no copies of merchant receipts on any of the documents/invoices provided by XXXX XXXX.
Invoice # XXXX : Services Provided by XXXX XXXX, XXXX XXXX Posted Date XX/XX/XXXX XXXX XXXX XXXX XXXX NC {$1800.00} My request for a specific invoice of {$1800.00} was not provided. XXXX XXXX has not listed the services and materials for the charge of {$1800.00}. Instead I received an email saying that a credit for {$1800.00} was applied to Invoice XXXX. ( Attachment 2- same as Attachment 11 in XXXX Attachment ) ) I did not authorize this transaction. I have no receipts with date, merchant, merchant address for products provided by XXXX XXXX. This invoice charge was deducted and punt towards an invoice to XXXX XXXX card without consulting me first. I did receive a paid receipt for the {$1800.00}. I do have an email by XXXX that states that {$1800.00} was deducted from the amount due on Invoice # XXXX. However, when I attempted to add the different amounts on Invoice # XXXX I could not get a total of {$1800.00}. XXXX XXXX received {$1800.00}.
Invoice # XXXX does list the same work Install Exterior Door and Demo Wall as the Estimate # XXXX for {$1800.00}. Invoice # XXXX lists other services not related to the estimate. I was unable to find a combination of charges for {$1800.00} on Invoice # XXXX amount of {$2900.00}. Receipt {$0.00} Due for Invoice XXXX.
Invoice # XXXX shows I paid {$2900.00}. This is not correct. I only paid {$1100.00}. XXXX XXXX received {$1100.00}. The amount of {$2900.00} minus {$1800.00} credit equals {$1100.00}. I never received a breakdown of how the {$1800.00} was used that left a balance of {$1100.00}. No merchant receipts.
Invoices # s XXXX and XXXX and the Citi {$1800.00} receipt are all intertwined. The invoices # s XXXX and XXXX and the Citi Receipt do not clearly show what was charged to XXXX XXXX : - Invoice # XXXX is used for charges to XXXX XXXX and Citi Simplicity.
The XXXX XXXX Invoice XXXX was originally {$3600.00} but a deduction of Invoice {$1500.00} paid by a Citi Simplicity card reduced it to {$2000.00}. This amount was paid to XXXX XXXX and is on my XXXX Statement on XX/XX/XXXX.
- I received a 2nd billing for {$2000.00}. It appears this was sent through XXXX XXXX and includes XXXX XXXX XXXX.
- Invoice XXXX {$2900.00} : I have never paid {$2900.00} to anyone. This invoice is related to the {$1800.00} deducted from {$2900.00} and was charged to my Citi Simplicity card. I did not authorize these changes to my credit cards. ( I still owe {$1800.00} ). {$2900.00} minus {$1800.00} equals {$1100.00}, the amount that was charged on XXXX XXXX and shows on my XXXX statement paid on XX/XX/XXXX.
Invoice # XXXX {$4200.00} and XXXX # XXXX line item Flooring {$110.00} plus tax : XXXX XXXX has not provided all the information about the XXXX XXXX XXXX. He has not given the name of the merchant, the date purchased from the merchant, the address of the merchant, and how to contact the merchant.
XXXX XXXX XXXX, is not a merchant. XXXX XXXX XXXX XXXX owned by XXXX XXXX who bought the XXXX XXXX XXXXXXXX XXXX and then invoiced me. I do not know what he actually paid for the flooring.
My efforts to work with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is still ongoing. But my efforts have been unsuccessful so far. ( Attachment 3 ) The following charges were made to my Citi Simplicity Credit Card. They are posted on my XXXX and XXXX Statements : XXXX Trans Date XX/XX/XXXX XXXX NC for the amount of {$1500.00} XX/XX/XXXX ) Trans Date XX/XX/XXXX XXXX NC for the amount of {$1800.00} 2 ) Trans Date XX/XX/XXXX XXXX for the amount of {$1500.00} I have not attached the Citi Simplicity MC XXXX and XXXX Statements. But I can supplied them if they are needed.
I have attached the email letter I sent to XXXX ( Attachment 4 ) The email letter is accompanied by an Attachment list and 22 other Attachments that I have also attached ( Attachment 5 ). I contacted XXXX, an online website that connects homeowners with local home improvement contractors. XXXX XXXX XXXX XXXX, is one of the referred contractors.
I have heard from XXXX. They are presently reviewing all the information I provided.
I have attached : - Citi chargeback dispute email letters/correspondences - Claims and defenses email letters/correspondences - I have separated them by months. ( Attachment 6 XXXX ), ( Attachment 7 XXXX ), ( Attachment 8 XXXX ), ( Attachment 9 XXXX ), ( Attachment 10 XXXX ) I have not received a response to my XX/XX/XXXX Claims and Defenses Claim. The claim request is in Attachment 5 XXXX emails.
An additional email letter with 3 attachments, Attachment XXXX # 4, was sent to XXXX XXXX, Executive Response Unit on XX/XX/XXXX informing the Executive Response Unit of communication with Citibank representatives. ( Attachment 11 ). Another email was sent to to XXXX XXXX, Executive Response Unit on XX/XX/XXXX requesting the Executive Response Unit to make corrections in the Citi Simplicity Card Current Balance. ( Attachment 12 ) If you need additional information, please let me know.
Box 2 What would be a fair resolution to this issue?
XXXX walked out on the job and did not satisfactorily finished the 3 projects. XXXX XXXX has chosen not to communicate with me or respond to my last email ( Attachment 13 same as Attachment 8 in XXXX Attachment ) In his ten pages chargeback disute response to Citi Bank ( XXXX XXXX XXXX ) XXXX did not provide all the necessary information ( Attachment 14 ) : the first 2 pages are not legible, he did not comply with chargeback guidelines provided by XXXX XXXX and Master Card.
Due to the sloppy workmanship and unfinished work, I am going to have to hire skilled, licensed workers to redo the jobs. This will be costly. Presently, I dont have the money to hire new workers. I am going to make calls and try to reputable licensed contractors. The time I have wasted trying to get resolutions to the credit card bills and dealing with my health issues has not left me little time to obtain estimates.
I have spent unpaid hours trying to resolve the issues with XXXX and Citi Bank. I want all the amount for work and material charged to my City Simplicity credit card credited back to my XXXX XXXX XXXX Checking Account. The total amount is : {$4900.00}.
Box 3 Product or service type Master Credit card or prepaid card box Box 4- What type of problem are you having?
1 ) I have not be able to get XXXX to respond to my emails 2 ) I did not fully understand the chargeback dispute time frame. I thought I had 60 days from the time I made my dispute. I later found out that the 60 days begin with the posted dated of the charges to my Citi Simplicity/City Bank credit card.
3 ) Citi Simplicity City Bank billing dispute department representative kept sending me alerts that said they were still reviewing my case and they kept asking for more documents when it was clear that I did not meet the 60 days from posted date of charges requirement with my first chargeback dispute case. The time from XX/XX/XXXX to XX/XX/XXXX was a total waste of time for me.
4 ) I have not received any response from my Claims and Defenses Claim letter dated XX/XX/XXXX.
|
| 03/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
On XX/XX/XXXX, I processed a payment to XXXX XXXX ( massage and body work ) for a XXXX present I had given to my partner. The invoice was for {$150.00}, made through XXXX, after processing, XXXX charged me a fee of 2.90 %, plus a {$0.00} transaction fee, which they clearly disclosed at the time of payment. My XXXX account is linked to my Citi Card-XXXX XXXX XXXX credit card.
A couple of days after the XXXX, I saw the above mentioned transaction on the Citi Card XXXX app that I use to monitor the activity on my card. It was processed for {$150.00}. It was listed along all other credit card transactions and did not appear any differently than any other transaction. However, at that time I noticed a transaction on my card I did not recognize, for {$10.00} with a description that was not intuitive, stating something to the effect of Cash Fee ( I did not write down the description, so I cant recall the exact wording ) However, at that time, I tried to use the functionality in the app to dispute the charge, and was informed that charges can not be disputed until they are posted. So, as a reminder to myself, I, again using the app, used the Remind me when this posts functionality to make sure I was notified when the item posted so I could then dispute the charge. Over the course of the next week I checked the status on the XXXX app, the item in question changed dates as the transaction date, but stayed in pending status. On Friday XX/XX/XXXX, I was checking my transactions on the XXXX Citi Card app and noticed the transaction was no longer showing up on the list. The monthly statement had been closed on XX/XX/XXXX, and the {$10.00} charge was showing up, with a changed name now called ADVANCES*TRANSACTION FEE, the XXXX app still did not show anything unusual about the payment to XXXX XXXX XXXX it still looked like a credit card charge. I called Citi Card support and after several unsuccessful attempts to get through their overly onerous phone tree, I was finally able to get to speak to a representative. When I inquired about the nature of the charge I was told it was a {$10.00} fee they charge for a cash advance. I stated I had not used the cash advance option, and she informed me that the issue was how XXXX processed the transaction to a XXXX and XXXX was responsible for the charge, and that I needed to call XXXX instead of Citi Card. I inquired about why I was not notified when the {$10.00} charge posted and was informed that notifications do not work on Citi Card fees. Frustrated, I gave up for the evening and went to bed.
The next day, I was traveling and unable to follow up. On Sunday I downloaded the PDF copy of my XX/XX/XXXX statement, and saw that the {$10.00} ADVANCES*TRANACTION FEE was there, and that now the transaction for the XXXX XXXX gift Massage was listed under the category CASH ADVANCES as XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CA {$150.00} and an additional item that had not appeared anywhere before of XX/XX/XXXX INTEREST CHARGED TO STANDARD ADV {$0.00} Researching that fee I found a statement showing that the interest was calculated at a predatory rate of 25.24 % on the amount of {$44.00}. An amount that does not jive with any transaction on my credit card statement. On Wednesday XX/XX/XXXX, I called Citi Card support to try to get to the bottom of these charges. I was informed once again that the charge was handled as a cash advance because of the way XXXX processed the charge, and that the interest started accruing the day the cash advance was withdrawn, and that the amount of XXXX was a calculated number by averaging the full amount over 30 days, rather than the full amount over 10 days.
I expressed my concern that I was not given any visibility into the fact that the XXXX XXXX transaction was charged as a cash advance until the statement of XX/XX/XXXX was generated, or else I would have immediately transferred money to pay off the cash advance. Also I had concern that notifications were not available when Citi Card creates a fee, giving customers no recourse or advanced notice and that they are not being transparent in their practices. I also asked for an alert to be placed on my card so that any time a payment was processed as a cash advance I would immediately be notified. I was told that was not an option. So I then requested that a lock be put on the cash advance functionality on my card so that no cash advance could be processed without me unlocking that option, and was informed that was not an option. So I then asked if there was anything that could be done and was told she would try to lower the cash advance amount to zero, to basically make it impossible to do a cash advance, but she then stated that she was not able to reduce it from {$5000.00} to anything below {$750.00}, and asked me to stay on the line while she researched how to get it lower, and then disconnected the call.
I then went online on the Citi Card website, and logged in and tried to pay off the cash advance, but singling out a specific transaction to pay is not an option, so I paid off the entire balance of my card, weeks before it was due, to avoid paying interest at the exorbitant rate of 25.24 % any further. I have also looked several times on the website and the XXXX XXXX and can not find any indication that I will be charged interest on the amount of the cash advance for the period of XX/XX/XXXX, XXXX XXXX, XXXX, but feel certain there will be a charge on my statement that closes at the end of the month.
On XX/XX/XXXX, I called XXXX and informed them of my issue and asked them to walk me through the process of what I could have done to prevent this from being charged as a cash advance. The XXXX representative spent a considerable amount of time researching my request and came back and informed me that the transaction was processed as a normal credit card transaction and they did not see anything I could have done differently.
Following up on my call with XXXX, I called Citi Card back and explained that I had just gotten off the phone with XXXX and that they said the charge was processed as a credit charge and not a cash advance, and the customer support representative then informed me it wasnt XXXX, it was the end recipient of the transaction and how she had set up her business account to accept funds. At this point Im more than a little frustrated and expressed that, multiple times Ive been told it was XXXX issue and now that Ive followed up with XXXX they are changing their story to its the payees fault. Exasperated, I then asked if, since I had been hung up on yesterday, could she verify that my available cash advance amount was in fact {$0.00}. I was told it was still at {$5000.00} and that she sees that a request had been sent to another department but they had not responded.
I provided all the above narrative to try to relay how difficult and deceptive Citi Card is, to summarize my complaint : Citi Card is deceptively adding charges to customers accounts and providing limited visibility to the charges and restricting customers ability to anticipate or correct such charges until such time as Citi Card has collected fees and interest charges that are hidden from the customer. Citi Card does not disclose that these types of transactions will be processed as cash advances, therefore generating a fee for each transaction, subjecting the customer to higher interest rates with interest calculated from the date of purchase without any grace period, and does not provide the ability for the customer to do anything to avoid these charges. These business processes are clearly self-serving to increase revenue at the expense of its customers. Citi Card should be charged with deceptive practices and forced to refund any and all fees derived in this manner. Additionally, Citi should be required to provide transparency on the XXXX XXXX and online website clearly showing a transactions classification as a charge or cash advance, and should provide the ability to receive notifications based on these classifications. Additionally Citi should be required to allow the customer to pay off a single transaction without having to pay the entire balance using the XXXX XXXX or website.
|
| 09/14/2023 |
Yes |
- Credit card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
CREDIT CARD FRAUD DECEPTION, CONSPIRACY & UNLAWFUL CONDUCT : 3. Previously concealed complainants credit card account statements and documents provided now by City bank/Best Buy between XXXX XXXX reveal extensive fraud and a well calculated conspiracy network of deception, larceny, embezzlement, misappropriation, false reports, etc.
4. This record has revealed deliberate fraudulent entries to the complainants credit card account. False interest charges and penalties were imposed and answers were ridiculously evaded, while several laws of land and 5th and 13th amendments to the US Constitution and the protected statuses of complainant were violated.
5. The complainant is a victim of credit card account fraud and financial malfeasance. A false liability of {$2900.00} was created against the purchases of {$1600.00}. Thereafter, a larceny of an estimated amount of {$1300.00} in the complainants credit card account caused irreparable damage and loss of over {$20000.00} 0 to the complainant. City bank/Best Buy have not denied unlawful interest charges as the complainants credit card account was deceptively maintained. Despite admitting the false interest, Citi bank/Best Buy have now refused on XXXX XX/XX/XXXX to refund the unlawfully charged amounts, hence this complaint.
6. Account statements ( and scores of emails and online messages ) were removed from the website and the complainant was denied access to ( correct ) information. Citi bank/Best Buy repeatedly willfully failed to provide the total unlawfully charged interest and penalties imposed and instead provided ridiculous & irrelevant replies, detailed later. Best Buy has been requested to preserve all the records, including the phone calls.
7. Failure to provide information indicated there is much to hide, therefore, a professional estimation had to be carried out. A conservative estimate based on 20 % default compared to 57 % nationwide default, indicated that on a nationwide scale it is estimated that over {>= $1,000,000} were similarly unlawfully charged from ordinary innocent Americans and concealed the earnings and concealed. The actual amounts are higher.
8. Credit card account statements and other communication provided by Citi bank/Best Buy between XXXX XXXX further revealed : deception, discrimination, violation of constitution, 5th & 13th amendments, fraud, larceny, extortion, misappropriation, willful falsification of accounts, breach of fiduciary duty, breach of contract, gross negligence, abuse of power, procedure and system, weaponizing customer default, policy violation, defamation and libel, harassment & retaliation, connivance, conspiracy & racketeering, illegal threats, undue stress, emotional distress, malafide, inter alia, against this complaint.
9. Apparently, a well-choreographed deception regime is followed by Best Buy/Citi bank in maintenance of credit card accounts to force customers to make unlawful payments and ensure involuntary servitude to corporate interests, violating the 13th amendment to the US constitution.
WE THE PEOPLE ARE THE VICTIMS : 10. It has become apparent that we the people are being defrauded, discriminated against, extorted from, and subjected to financial malfeasance on false pretexts, and being caused aggravated mental anguish and emotional distress in a bid to push the ordinary innocent Americans to involuntary servitude for meagre gains of Citi bank/Best Buy. It is also apparent that Citi bank/Best Buy are accomplices and operate as a predatory cabal that has colluded and connived, detrimental to the interests of millions of Americans.
11. We the people, the ordinary innocent Americans who dont go through the perils of trials ( US Supreme Court observation ) are the victims at around XXXX stores nationwide and deprived of over {$450.00} XXXX, annually.
12. CFPB is therefore requested to forthwith stop fraud in the credit card accounts and serial violations of law and constitution. Hundreds of thousands of ordinary Americans must be saved from credit card account fraud, misconduct, undue intentional stress, distress, and financial malfeasance, inter alia.
THE NATURE OF DISPUTE & MALICIOUS PRACTICES : 13. Best Buy and Citi bank provided credit cards for purchases at Best Buy stores. However, in maintaining the credit card account of the complainant revealed that Best Buy/Citi bank : ( 1 ). Unlawfully charged interest ; ( 2 ). Failed in their duty to collate and report the customers account ; ( 3 ). Orchestrated a false default with deception ; ( 4 ). Willfully delayed recording of the customers payment transactions for months by deception ; ( 5 ). Arbitrarily changed the contractual terms of payment and mischievously implemented the arbitrarily changed terms months ahead of time ; ( 6 ). Violated the newly minted contractual terms ; ( 7 ). Retaliated and secretively sent a false and baseless report to the credit bureaus and ruined the credit profile of the complainant ; ( 8 ). Defamed and humiliated the complainant on false pretexts of complainants credit performance to justify reduction in credit limit ; ( 9 ). Failed to provide the total interest charged from the customer and failed to state how this information is accounted for in the accounts. ( 10 ). Apparently, false information was also submitted to the US SEC and ( 11 ). Damaging false information was circulated to third parties which caused irreparable damage to the complainant.
14. Citi bank/Best Buy were repeatedly alerted to the ongoing unlawful charges but they evaded responsible action as expected from Best Buy & Citi bank . Instead they deceived the complainant and the system.
15. Presently available details of the above actions of Citi bank/Best Buy have been submitted in this complaint. However, the complainant reserves the right to amend and add to the submissions made in the complaint.
UNLAWFUL INTEREST ADMITTED by THE CITY BANK : 16. The Citi bank/Best Buy have not denied the unlawful charging of interest, falsely weaved into the credit card accounts. Citi bank/Best Buy realized and admitted their negligence and have repeatedly thrice forced the complainant to convolute and tamper the credit profile with a note, instead of addressing the issues but flatly refused to refund the unlawful interest in XX/XX/XXXX.
17. It has become apparent and the recorded facts demonstrate that the complainant and customers are a target of a well-choreographed script to discriminate, deception, defame, delay, default, digress, dishonor, disgrace, disregard, with distortion of accounts which signifies fraud with customers.
REQUEST TO CONSUMER PROTECTION BUREAU : 18. Consumer Protection Bureau is requested to take a swift action to save the complainant and millions of Americans from unlawful credit card account practices, who can not go through the perils of trials ( as observed by the US Supreme Court ). Details are submitted in the following paragraphs.
KEY DETAILS & BRIEF FACTS 19. The complainant had purchased a few household items ( Washer/Dryer and two TVs ) from Best Buy in XXXX XXXX, for {$1600.00} with the credit card issued by Best Buy. Purchases were made under the sales terms NO INT W/PYMTS FOR 18 MO, repeatedly inscribed on every monthly ( over 80 times ) in the account statements. ( Appendix-1 ). The amounts of purchases were unlawfully raised to {$2900.00}. Despite the NO INTEREST term, Citi bank/Best Buy charged interest from the first month and imposed penalties and violated the laws/ agreements.
CAUSES OF ACTION SUBMITTED : 20. 17 CAUSES of ACTION for fraud, misconduct, malfeasance, fraudulent practices, inter alia, by Best Buy/Citi bank , are submitted in the attached complaint supported by 7 Appendices for necessary action by the Consumer Financial Protection Bureau with relevant details, in the following pages.
21. The CFPBs action is extremely crucial and necessary in the interest of justice and to stop the epidemic of corporate misuse of US laws and systems. Such willful systemic failures must be stopped forever in the interest of justice to millions of Americans consumers. CFPB action and restitution of money will restore customer confidence in the system.
|
| 08/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
XXXX, a Credit Reporting Agency, is in direct violation of the Fair Credit Reporting Act, specifically FCRA 605B ( 15 U.S.C. 1681c-2 ) in dealing with my dispute of identity theft and credit card fraud.
On XX/XX/2021, I sent XXXX certified mail containing a dispute letter ( see copy of letter attached ) to block information on my credit report pertaining to a fraudulent credit account I did not open at CBNA / Best Buy and for purchases I did not make on the fraudulently opened credit card. The certified letter was delivered on XX/XX/2021 at XXXX XXXX ( see attached for delivery receipt ). Enclosed in the letter was the following : -A copy of my XXXX credit report with the fraudulent items circled -A signed copy of my FTC Identity Theft Report ( # XXXX ) -A certified copy of my XXXX Police Department Public Release Report proving I filed a police report about the identity theft / fraud -A copy of section 605B of the FCRA which requires CRA 's to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher -Proof of Identity ( photocopied Texas ID card ) When I called XXXX on XX/XX/XXXX, 4 business days after my certified letter was delivered, they claimed that no letter had been received and that I should initiate a dispute online, send the documents again, or initiate a dispute over the phone. I decided to re-initiate the dispute over the phone, as I was assured that it was okay if two disputes over the same claim were started.
I called back again on XX/XX/2021, 5 business days after my certified letter was delivered, and spoke to multiple Fraud officers that were poor XXXX speakers and also very rude ( XXXX or XXXX, XXXX, and XXXX XXXX. XXXX claimed that I had discrepancies in my Police Public Release Report ( the police report did not have my full name that matched my name, did not have my CBNA/BestBuy acct number, did not have the location nor date that the police report was filed ) ( see my certified public release report attached ). Additionally, the FTC Identity Theft Report did not have " CBNA '' as the Creditor and also was not certified by the police as being part of my police report ( though I assured them I had included the FTC ID Theft report as supporting documentation to my incident report ). I asked XXXX if I could speak to her manager, but she said that because my dispute was still being processed, I could not raise the issue with her manager. As such, after that call, I corrected my FTC ID Theft Report ( # XXXX ) on www.identitytheft.gov to include " CBNA / Best Buy '' as the " Company or Organization '' and re-uploaded the document on to XXXX
Later the afternoon of XX/XX/XXXX, I called XXXX back to see if my new FTC ID Theft report was sufficient. I talked to XXXX. XXXX was just as rude and hard to understand as the previous Fraud officers I spoke to. She told me that my FTC Identity Theft Report could not be verified with the systems they have that connect with the FTC ID Theft report program. XXXX also told me that I had to bring up my issue directly with the FTC as to why my Theft Report was not in the correct report format. I asked to speak to her manager, but XXXX said her manager was not available, but that the manager would call back in 3 hours. I never received a call back from her manager.
On the morning of XX/XX/XXXX, 6 business days my certified letter was delivered to XXXX I called the FTC. I spoke with a very helpful FTC agent named XXXX. She took my information down, looked up my FTC ID Theft report number and verified that everything looked great and that there would be no reason XXXX should not accept my FTC ID Theft Report. XXXX said she had never heard of someone having my issue. XXXX recommended I call the Consumer Financial Protection Bureau ( CFPB ) for further assistance with this. I did call the CFPB in the afternoon of XX/XX/XXXX and talked to XXXX. XXXX recommended I file a complaint against XXXX, as the CFPB has supervisory powers over the credit rating agencies.
Before I made this complaint, I tried calling XXXX back one more time. I spoke with XXXX in the Fraud Department. I explained my situation about my FTC report, that I personally verified with the FTC that my FTC Identity Theft Report was more than acceptable to prove to credit bureaus that I had filed the incident with the FTC, and that I would be filing a complaint against XXXX with the CFPB if my dispute did not result in blocking the fraudulent item on my Credit report. He stated that as a matter of internal policy that XXXX does not disclose " Validation Guidelines '' to the public.
XXXX suggested that I create an entirely new FTC Identity Theft Report ( with a new FTC Report Number ) to upload to my dispute. I asked to speak with XXXX manager XXXX XXXX XXXX, but she was not available. He took my phone number down and guaranteed and assured me that there was a 100 % probability that his manager, XXXX, would call me back by XXXX XXXX XXXX on Friday, XX/XX/2021.
XXXX, the XXXX Fraud Manager, never called. As such, I created a brand new FTC Identity Theft account under a different email address per XXXX 's instructions, and generated a brand new FTC Identity Theft Report ( with a new FTC Report Number : XXXX ) which is 1-pg in its entirety and uploaded the new document to XXXX per the instructions I received from XXXX
It is now XXXX Central on Friday, XX/XX/XXXX ... 6 business days after my certified dispute letter and supporting documentation was delivered to XXXX
Per FCRA 605B ( 15 U.S.C. 1681c-2 ) section A, it states the below : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
My dispute letter included all of the above. I am trying to purchase my first home and can't because my credit score has dropped >80 points as a result of this.
Let me also mention that both XXXX and XXXX have already blocked this negative information from my credit report. XXXX had blocked it by XX/XX/XXXX, and XXXX blocked it by XX/XX/XXXX. Why is XXXX the only CRA not following the statutes that the rest of the CRA 's are following.
I don't know what to do now ... I feel even more victimized now as a result of XXXXXXXX XXXX complete failure to follow the rules and laws that govern this country.
And on that note, I will close with an email I received from XXXX ( also attached ) on XX/XX/2021, that alleges that I am one of three things : 1 ) that I am either suffering from some sort of mental handicap ( that I've made all of these requests " in error '' ) or 2 ) that I am the one who is in fact the criminal for knowingly and materially misrepresenting the situation, or 3 ) that I actually did open the account and make the purchases, which would be in violation of federal, state, or local criminal statutes that may result in fines, imprisonment, or both given the FTC Identity Theft and Police Reports I made.
I am at a lose of words ... .as promised, see a blurb from the email I discuss above : " We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.
Therefore, we are declining your request to block one or more of the items of information. "
|
| 06/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
is attempting to collect a fee from me that I do not owe them, here is my letter, and is attached as PDF, Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, new jersey state ZIP EXEMPT [ near XXXX ] RE : Account # unknown To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation proving my obligations to perform or comply, that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, ( which it already has ). I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which XXXX puts me at risk currently, It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth. When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable. Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract. The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material factt 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages PARTS OF A LAWFUL CONTRACT 1. Parties competent to contract The parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being either artificial Legal Entity and artificial Legal Entity, or living Man/Woman and living Man/Woman, allowing more than two parties but never a mixture of these kinds. 2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable. 3. Full disclosure When negotiating a contract, full disclosure is the act of providing all material information, or telling the whole truth, about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract. 4. Sufficient consideration The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement. 5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates. 6. Meeting of the minds A meeting of the minds consensus ad idem, occurs between the parties when they recognise each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds, being Legal Entity with Legal Entity, or Man/Woman with Man/Woman. A corporation and another corporation may enter into contract by way of accommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are not of the same and equal kind. 7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet ink signatures of the parties, each wet ink signature being anaccommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living standing is recognised by a thumbprint, or more often by an unambiguous declaration with the autograph, such as authorised agent written below. 8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties. Best Regards XXXX XXXX cc Federal Trade Commission
|
| 08/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
XXXX a Credit Reporting Agency, is in direct violation of the Fair Credit Reporting Act, specifically FCRA 605B ( 15 U.S.C. 1681c-2 ) in dealing with my dispute of identity theft and credit card fraud.
On XX/XX/2021, I sent XXXX certified mail containing a dispute letter ( see copy of letter attached ) to block information on my credit report pertaining to a fraudulent credit account I did not open at CBNA / Best Buy and for purchases I did not make on the fraudulently opened credit card. The certified letter was delivered on XX/XX/2021 at XXXX XXXX ( see attached for delivery receipt ). Enclosed in the letter was the following : -A copy of my XXXX credit report with the fraudulent items circled -A signed copy of my FTC Identity Theft Report ( # XXXX ) -A certified copy of my XXXX Police Department Public Release Report proving I filed a police report about the identity theft / fraud -A copy of section 605B of the FCRA which requires CRA 's to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher -Proof of Identity ( photocopied Texas ID card ) When I called XXXX on XX/XX/XXXX, 4 business days after my certified letter was delivered, they claimed that no letter had been received and that I should initiate a dispute online, send the documents again, or initiate a dispute over the phone. I decided to re-initiate the dispute over the phone, as I was assured that it was okay if two disputes over the same claim were started.
I called back again on XX/XX/2021, 5 business days after my certified letter was delivered, and spoke to multiple Fraud officers that were poor XXXX speakers and also very rude ( XXXX or XXXX, XXXX, and XXXX XXXX. XXXX claimed that I had discrepancies in my Police Public Release Report ( the police report did not have my full name that matched my name, did not have my CBNA/BestBuy acct number, did not have the location nor date that the police report was filed ) ( see my certified public release report attached ). Additionally, the FTC Identity Theft Report did not have " CBNA '' as the Creditor and also was not certified by the police as being part of my police report ( though I assured them I had included the FTC ID Theft report as supporting documentation to my incident report ). I asked XXXX if I could speak to her manager, but she said that because my dispute was still being processed, I could not raise the issue with her manager. As such, after that call, I corrected my FTC ID Theft Report ( # XXXX ) on www.identitytheft.gov to include " CBNA / Best Buy '' as the " Company or Organization '' and re-uploaded the document on to XXXX
Later the afternoon of XX/XX/XXXX, I called XXXX back to see if my new FTC ID Theft report was sufficient. I talked to XXXX. XXXX was just as rude and hard to understand as the previous Fraud officers I spoke to. She told me that my FTC Identity Theft Report could not be verified with the systems they have that connect with the FTC ID Theft report program. XXXX also told me that I had to bring up my issue directly with the FTC as to why my Theft Report was not in the correct report format. I asked to speak to her manager, but XXXX said her manager was not available, but that the manager would call back in 3 hours. I never received a call back from her manager.
On the morning of XX/XX/XXXX, 6 business days my certified letter was delivered to XXXX I called the FTC. I spoke with a very helpful FTC agent named XXXX. She took my information down, looked up my FTC ID Theft report number and verified that everything looked great and that there would be no reason XXXX should not accept my FTC ID Theft Report. XXXX said she had never heard of someone having my issue. XXXX recommended I call the Consumer Financial Protection Bureau ( CFPB ) for further assistance with this. I did call the CFPB in the afternoon of XX/XX/XXXX and talked to XXXX. XXXX recommended I file a complaint against XXXX, as the CFPB has supervisory powers over the credit rating agencies.
Before I made this complaint, I tried calling XXXXn back one more time. I spoke with XXXX in the Fraud Department. I explained my situation about my FTC report, that I personally verified with the FTC that my FTC Identity Theft Report was more than acceptable to prove to credit bureaus that I had filed the incident with the FTC, and that I would be filing a complaint against XXXX with the CFPB if my dispute did not result in blocking the fraudulent item on my Credit report. He stated that as a matter of internal policy that XXXX does not disclose " Validation Guidelines '' to the public.
XXXX suggested that I create an entirely new FTC Identity Theft Report ( with a new FTC Report Number ) to upload to my dispute. I asked to speak with XXXX manager XXXX XXXX XXXX, but she was not available. He took my phone number down and guaranteed and assured me that there was a 100 % probability that his manager, XXXX, would call me back by XXXX XXXX XXXX on Friday, XX/XX/2021.
XXXX, the XXXX Fraud Manager, never called. As such, I created a brand new FTC Identity Theft account under a different email address per XXXX 's instructions, and generated a brand new FTC Identity Theft Report ( with a new FTC Report Number : XXXX ) which is 1-pg in its entirety and uploaded the new document to XXXX per the instructions I received from XXXX.
It is now XXXX XXXX on Friday, XX/XX/XXXX ... 6 business days after my certified dispute letter and supporting documentation was delivered to XXXX
Per FCRA 605B ( 15 U.S.C. 1681c-2 ) section A, it states the below : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
My dispute letter included all of the above. I am trying to purchase my first home and can't because my credit score has dropped >80 points as a result of this.
Let me also mention that both XXXX and XXXX have already blocked this negative information from my credit report. XXXX had blocked it by XX/XX/XXXX, and XXXX blocked it by XX/XX/XXXX. Why is XXXX the only CRA not following the statutes that the rest of the CRA 's are following.
I don't know what to do now ... I feel even more victimized now as a result of XXXX 's complete failure to follow the rules and laws that govern this country.
And on that note, I will close with an email I received from XXXX ( also attached ) on XX/XX/2021, that alleges that I am one of three things : 1 ) that I am either suffering from some sort of mental handicap ( that I've made all of these requests " in error '' ) or 2 ) that I am the one who is in fact the criminal for knowingly and materially misrepresenting the situation, or 3 ) that I actually did open the account and make the purchases, which would be in violation of federal, state, or local criminal statutes that may result in fines, imprisonment, or both given the FTC Identity Theft and Police Reports I made.
I am at a lose of words ... .as promised, see a blurb from the email I discuss above : " We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.
Therefore, we are declining your request to block one or more of the items of information. "
|
| 02/15/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American, Servicemember |
|
I have a complaint against Citibank which I feel needs investigation.
My wife and I each opened a savings account with Citi under the promotion to get XXXX XXXX XXXX points for a deposit of $ XXXX for a period of 3 months. The two accounts were opened on XX/XX/XXXX. We are still trying to get our points. The excuses and runaround are getting tiresome. Complaints to XXXX XXXX have yielded no results. I have no idea how many other people are in this position with Citi. There were different point levels for lesser deposits. What follows are the transcripts of two messaging sessions and my summary in red of a phone call.
Hello XXXX! Thank you for your message. My name is XXXX and Ill be happy to assist you today. Please allow me just few minutes to access and review your account. I'll be right back with you!
XXXX at XXXX, XX/XX/XXXX : XXXX, You at XXXX, XX/XX/XXXX : Let me just check this for you XXXX.
XXXX at XXXX, XX/XX/XXXX : I opened my account with $ XXXX for a reward of XXXX XXXX points after 3 months. This has yet to be credited to my account.
My wife opened an account as well and has not received her points either.
Both accounts were opened in XXXX You at XXXX, XX/XX/XXXX : I checked your account and I see that you have met the requirements of the promotion XXXX. Congratulations! Now you are eligible for the promotion.
All you have to do now is wait for 90 days from the 60th day of maintaining the minimum balance and any day within those 90 days you will receive your bonus into your account.
So you will have to wait till XX/XX/XXXX XXXX.
Dear XXXX, are you available as I have not heard back from you.
XXXX at XXXX, XX/XX/XXXX : ok ok What date will that be?
You at XXXX, XX/XX/XXXX : I'm so sorry XXXX. I will not be able to know which date exactly it will be credited. But I know that it can be credited anytime within these 90 days.
Are we still connected XXXX?
XXXX at XXXX, XX/XX/XXXX : I understand you are unable to interact with us currently. Your conversation will be saved for you and our team, so kindly start a new chat so that we can pick up where we left off with you. We are available 24/7 at your service. Thank you for being the best part of Citi!
XXXX at XXXX, XX/XX/XXXX : A live call was placed on XX/XX/XXXX at XXXX and I talked with a CSR named XXXX . He told me that all conditions were met and that he filed the action to get the points. He said that it would take a couple of days but should be done by the end of the week.
Welcome to Citi Message Us. Please type your message at any time.
I contacted XXXX a week ago to fial a complaint that you have not credited my XXXX account with the XXXX points for the {$200.00} I placed on deposit with you on XX/XX/XXXX. This is overdue. XXXX, the CSR confirmed that all requirements were met and was filing the action. I have already placed a complaint with XXXX. Where are my points?
You at XXXX, XX/XX/XXXX : You're now connected to : Citi Bot.
Info at XXXX, XX/XX/XXXX : Please tell me in just a few words what you need help with.
Citi Bot at XXXX, XX/XX/XXXX : Please provide my XXXX American airline points.
You at XXXX, XX/XX/XXXX : I'm sorry, it looks like you do not have any accounts eligible for ThankYou Rewards.
If you would like to learn about which cards are eligible for ThankYou Rewards and view some of our other cards, I can take you there as well.
See Cards and Rewards Programs Citi Bot at XXXX, XX/XX/XXXX : You need to recheck this. It was confirmed a week ago that I did. My account was opened under this program. I will now start looking for bank regulators to file a complaint.
You at XXXX, XX/XX/XXXX : Sorry, would you try that again? I'm much better with short requests.
Citi Bot at XXXX, XX/XX/XXXX : Please find an agent You at XXXX, XX/XX/XXXX : Sure thing. Tell me which account you need help with and I'll connect you to the next available representative.
Citi Miles Ahead Savings ... XXXX Citi / AAdvant ... Select ... XXXX Citi Bot at XXXX, XX/XX/XXXX : My savings account You at XXXX, XX/XX/XXXX : You are now being transferred to the next available representative.
You're now connected to : XXXX.
Info at XXXX, XX/XX/XXXX : Hi XXXX, XXXX at XXXX, XX/XX/XXXX : XXXX, Where are my points?
You at XXXX, XX/XX/XXXX : Could you please allow me a few minutes while I review your account?
XXXX at XXXX, XX/XX/XXXX : OK This was done by XXXX a week ago and he said he submitted the action and it would only take a couple of days. They are already late so your systems are not working.
My wife 's account is having the same issue which is why I am now looking to find a regulator to file a complaint with.
You at XXXX, XX/XX/XXXX : I see that you have opened your account XX/XX/XXXX and funded the account on XX/XX/XXXX. The customer have to maintain the requirements for 60 days in the account until XX/XX/XXXX and after the completion of the all the required activities, the miles will be credited within 90 calendar days from the date you complete all required activities. Starting from XX/XX/XXXX to XX/XX/XXXX This is an automated process and the system will automatically credit the miles in your account as priority soon.
No worries, I will go ahead and dispute the miles as per your request XXXX. ' XXXX at XXXX, XX/XX/XXXX : That was done a week ago. YOur systems do not work. This is why I am filing complaints for myself and also for my wife who got the same promise and run-around.
I suggest you do something else to escalate this. You are repeating what has been done.
You at XXXX, XX/XX/XXXX : Okay XXXX, Let me go ahead and check the status of your complaint XXXX.
XXXX at XXXX, XX/XX/XXXX : The points were due on 2/4. Today is XX/XX/XXXX. It was to be automatic so your systems do not work. You are depriving myself an my wife of points which we planned to use for travel and causing hardship.
You at XXXX, XX/XX/XXXX : Okay XXXX, Let me go ahead and check the status of your complaint XXXX.
XXXX at XXXX, XX/XX/XXXX : The points were due on XX/XX/XXXX. Today is XX/XX/XXXX. It was to be automatic so your systems do not work. You are depriving myself an my wife of points which we planned to use for travel and causing hardship.
You at XXXX, XX/XX/XXXX : I have gone through your account and I see that you have disputed the promotion on XX/XX/XXXX and your dispute is under the investigation XXXX.
The investigation may take up to 5 business days. Responses will be sent after case completion.
So humbly I request you to check with us by Friday and you will get the $ XXXX XXXX miles on your account XXXX.
XXXX at XXXX, XX/XX/XXXX : 5 business days was Friday. Uf you do not count last Monday, that means today is the 5th business day. Where are my points? Please find someone who has some authority to fix this.
You at XXXX, XX/XX/XXXX : XXXX, last 2 days were not working day, so I request you to wait for until Friday to get this case resolved and you will get the miles on your account XXXX.
XXXX at XXXX, XX/XX/XXXX : Monday of last week gave Monday, Tuesday, Wednesday, Thursday and Friday. That is 5. Today is another day of nothing happening. It is near the end of the 5th full day since my call on the 8th. Where are my points?
I am tired os waiting and now I am escalating. Citi is about to get complaints to every regulator I can find as well as a host of bad press on social media.
You at XXXX, XX/XX/XXXX : XXXX, I owe an apology for this XXXX, I have double checked on your account and I see that your case has not yet resolved so humbly I request you to wait for this Friday and you will get the miles XXXX.
Here at Citibank we are constantly striving to offer the best banking experience to our valued clients, I will be more than happy to note your feedback. Thank you for giving us the opportunity to serve you better.
XXXX at XXXX, XX/XX/XXXX : I will start filing my other complaints. I suggest you find someone who can do something and have them call me You at XXXX, XX/XX/XXXX : XXXX XXXX, I will make a note on your account regarding this XXXX.
XXXX at XXXX, XX/XX/XXXX : I hope you can do something to address this.
Best Regards, XXXX XXXX ( XXXX ) XXXX
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| 10/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
Servicemember |
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In XX/XX/2020, I opened a checking and savings account online with Citi Priority.i then had my XXXX XXXX XXXX set to direct deposit into the checking, and began using the accounts as my primary banking institution age undergoing an investigation of bank fraud from my previous account at XXXX XXXX. At the time, I was overcoming XXXX which indicted a large amount of XXXX and difficulty when any circumstance involving computer use and cell phone use, especially with such tasks as email, banking, or messaging. I had a significant reluctance and fear to interactions that would or could lead to an increase in additional things that would require attention especially those negative in nature, such as collections, bills, documents, etc. Daily responsibilities and such that would add to my plate. I was unable at the time to address f such things in a full mental capacity due to XXXX XXXX, XXXX and XXXX XXXX, and numerous additional barriers of highly damaging content. Thus all led to my lack of will to constantly monitor and conduct banking review and budgeting, or in depth checks and confirmed legitimacy of my financial positron. After about 8 months, my mental state had improved enough to have the capability to properly conduct and monitor my finances again and I began to notice oddities and questionable variants in my account. From errors in daily available balance to the delay in processing transactions but reporting the balance and funds as they actually occurred, to after time notice to errs in calculations in the balance. I began investigating further. I opened a2nd checking account after revising the stimulus so that I could transfer over only what I needed to spend daily and keep track of spending. With this account I did not have a debit card attached. Furthermore, because I utilized ATMS often, to ensure the correct XXXX XXXX and true items were only being conducted, I decided to only withdrawal from arms from my savings account and notmy checking at all. After 2 months there were over XXXX ATM withdrawals against my checking account so I knew something was not right. A noticed thru a3rd party financial app that monitors your accounts from all of a person 's financial institutions in one place is. XXXX, etc. That some of the ATM withdrawals were being categorized as withdrawals and others of the exact same type and title being categorized as transfers. I didn't understand, and noticed then the 2 to 3 day delay just in a XXXX from my saving to checking, but when my checking to savings auto transfers would occur they were to a money market in the title, which then apparently was my savings,. However the date they occurred would show in one account as the date initiated and the recurrent account on the day of processing etch could be sometimes 5 days, resuscitation because nothing ever processed on the weekends, but would be calculated in the days balance or funds on the day they originated. This made balancing the accounts and confirming accuracy impossible. Especially when any thing dates the prior to the day it currently was when looking, the balance so m of each transaction would show only the end of day balance for that day, and not the balance that was result of each transaction. Ex. Monday would then process every transactions from Fri to mon. And then every single one of those transactions would show a balance on its line item of what the account was at Monday after XXXX. That's if they processed that Monday. This includes even transfer betweenn my own accounts. It was impossible to reference at that point or even XXXX what my balance should have been, as the reported available balance at any given time was inaccurate as it calculated pending items, but based off only processed total balance. Finally, after daily screen shots of the transactions at the time ( which allowed the balance to display after each transactions occurred to be individually calculated and displayed ) I noticed the following days the previous days and weeks final balances were CHANGING due to the items to the current day. So the balance 3 weeks ago that onscreen shot that day had each item, but scroll to today and using the amounts from each item from then to now, the balance on line items from 3 weeks ago were calculated with all the amounts ledgers to today. It was like they were adjusting the balance thru the whole month. This led to me discovermanually calculation hundreds of items discovery of XXXX of dollars missing. I then realized the additional ATM transactions I knew I didn't do actually amounted to the discrepancy but were not originally present. I then noticed transfers that were conducted that were not followed by transactions that I would have done that triggered the transfer initially, since I only moved money over when I was going to use it immediately. I also discovered transfers on one account and no calculated into the recording account balance. Overall, I estimate nearly XXXX of errs and rust is not including the money reversed by the dispute dept from claims on one checking but reversed on the other, and then duplicate reverse. 6 months now fighting to receive it back. Multiple disks opened but then no record of it. Countless times being hung up on, and hundreds of hours in hold or discussing with citi XXXX. The reverted funds conducted by the dispute dept overdrew my account as the prior was XXXX. So their excuse of taking it from a sixteenth account being a availability was not legitimate. I have video of my screen as I'm on the phone with citi explaining the miscalculated XXXX on my account and you hear get hang up, I push the back button, and my balance mysterious adjust XXXX XXXX Not to mention XXXX transaction resulting in a reduction of nearly XXXX $ in the balance blatantly obvious and documented. I have hundreds of prints, statements, dispute inaccuracies, bogus letters, phone conversations XXXX screen recording including complete ignorance and refused assistance from '' citi ''. Finally, everything 's I would mention fraud or fake citi representatives, the rep would get tonguetied and hang up the phone. They never spoke clear English And when I requested to be transferred to a rep in the USA as I have the right to do, it was met with resistance and even refused. From their collections dept calling me for a beg balance and not having any clue to dispute against the cause of it being their own company to having to replace 8 debit cards in the past year, one of which was activated via phone that I never resourced, and over the phone changed primary account to that debit card, and citi not allowing online access unless a debit card is active, to the incorrect account number referenced in their letters, and only referencing via the debit card last 4, and requesting the pin thru automated system to get any info. And ask awhile being charged a XXXX service fee and being labeled as a client. It seems to be a3rd party representing citi or similar nature and illegal acquisition of personal information and unauthorized transactions posed using previous account items that are being conducted by this overseas 3rd party. I have found multiple reports of similar XXXX on the federal government report list for the consumer protection department as well. The amount of evidence I have uncovered is overwhelming and I have now had my checking account forceful closed by the bank and now the refuse to help in any way including retention of my ssa remaining funds and still not refunding the money they took in err in XXXX that I report at least 3 times a week. This is also witnessed with XXXX now and XXXX XXXX. ALL OF WHICH USE XXXX to verify accounts, but who also has a code in the appk that allows them access even after a password change. I've noticed apps like XXXX, XXXX, etc all user the verification methods, and concise with the questioned transactions with a transaction of their own, such as XXXX $ free charge the day before etc. And they are all using the debit card to do so, which would explain the categorized " atm '' to be categorized as debit not withdrawal. This needs to be investigated IMMEDIATELY!! I
|
| 03/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
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This complaint is in regards to fraudulent charges posted to my Citi AAdvantage Platinum Select Card, and Citi 's refusal to remove one of the charges : On, XX/XX/XXXX, Citi alerted me to possible fraudulent charges on my card, via email and text. Both the email and text asked, " Did you attempt {$45.00} at XXXX XXXX on XX/XX/XXXX ''?.
I immediately responded " No '' to the text, and received a response instructing me to contact their fraud department at ( XXXX ) XXXX. I immediately called the number as instructed, at XXXX on XX/XX/XXXX, and logged-in to my Citi account at the same time.
According to the activity shown on my account, there were a total of 7 fraudulent charges posted to my account, between XX/XX/XXXX and XX/XX/XXXX. Below, I copied and pasted information from my account activity on Citi 's website : XXXX XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX {$87.00} XXXX XXXX XXXX CA XX/XX/XXXX {$2.00XXXX XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX {$79.00} XXXX XXXX XXXX XXXX GA XX/XX/XXXX {$44.00} XXXX XXXX XXXX XXXX GA XX/XX/XXXX {$100.00} XXXX XXXX XXXXXXXX XXXX XXXX GA XX/XX/XXXX {$34.00} While on the phone with Citi 's Fraud Dept, I notified them that these 7 charges were all fraudulent, and that I was at my home in Texas during the dates the charges were made. With the exception of one charge, all fraudulent purchases were made in Georgia, the exception being a {$2.00} charge posted from California.
I requested the card account number be immediately cancelled, and a new account number and card issued to me.
At the conclusion of the phone call, Citi assured me that all fraudulent charges would be removed, the account was closed, a new account would be opened, a new card shipped to me. I asked multiple times if there was anything else I needed to do to have the fraudulent charges removed from my account ; I was assured, several times, there was nothing else I needed to do. Citi did not provide a time-frame or deadline by which they would have completed the removal of the charges, or when I receive the new card. The phone call, in its entirety, lasted 7 minutes, 2 seconds.
During the ensuing weeks, I closely followed the status of the fraudulent charges posted to my account. By XX/XX/XXXX all 7 fraudulent charges had been removed from my account.
Then, on XX/XX/XXXX, after logging in to my Citi account, ( as a matter of course, because I check all bills and payments due, weekly ) I noticed one of the fraudulent charges had been posted to my new account, with a notation of " reversed '' on the charge description ( nearly two full months after the fraudulent purchases were posted to my account and after the account had been closed, and well over one month after all of the charges in question had been correctly removed from my account ).
The charge, noted above, was from XXXX XXXX XXXX, in the amount of {$100.00}.
While logged-in, I noticed a new notification. The notification led me to a letter from Citi, dated XX/XX/XXXX. The letter stated : " The merchant provided documentation confirming this is a valid charge. Based on the information available, we have closed our investigation and reversed our credit. '' Another notification led me to an incredibly blurry, almost illegible document titled " Dispute Notification - Request For Documentation '', presumably sent by Citi to the merchant, in order to obtain the veracity of the charge. The documentation provided by the merchant ( One, XXXX XXXX- although due to the document 's illegibility that may not be correct ), in its entirety and attached as page two to the document, is an unsigned receipt from the merchant. Again, No Signature. ( There wouldn't be a signature, because I wasn't there to make the purchase... I was over 1100 miles away, at home ).
After reviewing the results of Citi 's " investigation '', I immediately opened a chat support window from their website. After restating to the rep ( XXXX XXXX that the charge was fraudulent and that my card number had obviously been compromised, she assured me the investigation team was " working on it '', and that the credit for the fraudulent charge ( again, the fraudulent charge that was not only posted a second time, but posted to my new account ) would appear on my account " within the next 3 - 5 business days '' to my new account. I neglected to inquire how an investigation was ongoing after I had already received an official letter stating the investigation was closed.
One week later ( today, XX/XX/XXXX ), the charge still appears on my new account, and there is no ongoing investigation that I can see on my end ( after exhaustive efforts ).
I again immediately open a new chat window with support, explain the issue again, but this time I'm told that I would need to contact the " security team '' by phone. I expressed my frustration with being instructed to call the same group of people that failed in their legal obligation to perform a meaningful investigation into the fraudulent charges, and instead asked to have the chat escalated.
The chat was transferred to XXXX, who stated that he is a supervisor. He again tells me that my only option is to contact the " security team '', by phone, Monday through Friday, XXXX to XXXX EST. At this point in the process, I realized I was being forced take the situation in a different direction, if I wanted to be able to protect myself from Citi 's disregard for identity theft. I did make a point to ask XXXX to make a note and escalate the issue, because the situation had reached a point that federal law enforcement may have to be included so that I could feel safe and protected.
After doing research online, I recognized that thousands of Citi customers have experienced an almost identical set of circumstances - A customer notifies Citi of fraudulent charges. The charges are initially removed. Then without notice to the customer, Citi will reverse their previous decision and re-post one or more charges, based on scant information, whereupon the customer may endure several months of pain and suffering from CitiBank, before Citi makes the obvious determination that the charges are fraudulent, and then will reverse the reverse posting. This represents a pattern of unethical processes and legally irresponsible decision-making.
As such, I've been forced to involve government agencies to seek my rightful remedy.
As a point for record-keeping : I will not pay Citi for the fraudulent charge in question, or any other fraudulent charges. I will seek legal remedy for any fees, interest, or other monetary hardship enforced by CitiBank, as a result of these clearly fraudulent purchases. Further, I will seek legal remedy for any report that CitiBank makes to any credit reporting agency, any past, present, or future creditor that I have had, do have, or hope to have a business relationship with. Further, I reserve the right to seek legal remedy for any emotional distress, or any other hardships, that I have experienced or will experience as a result of Citi 's actions or inactions, regardless of the outcome of this complaint or any investigations that may arise from this complaint.
List of Supporting Documentation Attached to This Complaint : File Name : " Citi - Screenshot Showing Fraudulent Charges.pdf '' -A screen capture from my Citi account showing information for all 7 fraudulent charges, including the results of Citi 's investigation into each charge.
File Name : " Citi - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX '' -A transcript from online chat with Citi Customer Support , from XX/XX/XXXX File Name : " Citi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX '' -A transcript from online chat with Citi Customer Support , from XX/XX/XXXX File Name : " XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' -An almost copy of Citi 's " investigative efforts '', showing a receipt with no signature File Name : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' -A letter addressed to me, from Citi, dated XX/XX/XXXX XXXX stating the results of their " investigation '' and determination to re-post the fraudulent charge to my NEW account
|
| 03/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have applied for refinancing of two mortgages related to my rental properties on XXXX, XXXX, XXXX. I have provided all documents as requested by CITI in a very short time and we paid for appraisals in XXXX, XXXX. The appraisals were conducted in XXXX, XXXX.
I have followed up with the loan consultant at CITI ( XXXX XXXX ; see below for full designation and address ) on a regular basis ( see below his full contact information ) to make sure the loan processing is progressing in the right direction.
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX CITIBANK , N.A .
Mortgage Consultant XXXX XXXX XXXX XXXX.
XXXX, Texas XXXX XXXX Nmls # XXXX In XXXX, XXXX, XXXX I reached out to XXXX to check on the status of the loan since it was already 2.5 months since the initial loan application ( See below ).
From : [ XXXX.com ] Sent : XXXX XXXXXX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX XXXX XXXX Cc : -- -- -- Subject : Re : ... Borrower - -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX, It is some time that we connected, and I am not sure what is the status of refinance with regarding the two loans that we applied ( -- -- - XXXX XXXXXXXX XXXX XXXX XXXX and -- -- - XXXX XXXX, XXXX Unit -- -- - ). It is in XX/XX/XXXX, we initiated the application. Generally, the loan closes in 45 days and it is now over 2 months since we started the application.
Please let me know what is the status of the refinance.
-- -- -- -- -- -- -- -- XXXX responded to my email mentioning that refinancing is taking 90 days and a processor will be contacting me soon ( see below ) From : XXXX, XXXX XXXX Sent : Saturday, XX/XX/XXXX XXXX XXXX To : -- -- -- -- -- -- -- -- -- -- > Subject : RE : ... Borrower - -- -- -- -- -- -- -- -- - Loan Number - -- -- -- -- -- -- -- - -- -- -- XXXX XXXX XXXX XXXX Happy New Year XXXX Yes we are at ~90 days on refinances currently, we have to do Purchases as a priorityas you may understand the processors should be contacting you regularly.
Sincerely, XXXX XXXX XXXX XXXX XXXX Since I did not hear anything for another two weeks I contacted XXXX again regarding the loan application ( see below ) From : -- -- -- -- -- -- -- -- -> To : XXXX XXXX XXXX XXXX XXXX : -- -- -- -- -- -- -- -- -- -- -- -- -> Sent : Friday, XX/XX/XXXX, XXXX XXXX CST Subject : Re : ... Borrower - -- -- -- -- -- - Loan Number - -- -- -- -- -- -- - -- -- -- -- XXXX XXXX XXXXXXXX XXXX Hi XXXX XXXX We haven't heard anything about the refinance for the two loans we applied and it is now over 90 days. Please let me know the status of the loan application. I am wondering whether we made a mistake going with CITI to refinance our two existing loans.
-- -- -- -- -- --.
for this XXXX responded as below -- -- - Forwarded Message -- -- - From : XXXX, XXXX XXXX To : ' -- -- -- -- -- -- -- -- -- -- -- -- -- > Sent : XXXX XXXXXX/XX/XXXX, XXXX XXXX CST Subject : RE : Next Steps with Citi And XXXX YOUR Loan Consultant Hello, I see this, I will look into your deals. The processor should be communicating.
XXXX XXXX XXXX XXXX XXXX We waited again for few more weeks and contacted XXXX again with another email that had a frustrated tone ( see below ) -- -- - Forwarded Message -- -- - From : -- -- -- -- -- -- -- > To : XXXX, XXXX XXXX Sent : XXXX XXXXXX/XX/XXXX, XXXX XXXX CST Subject : XXXX : Next Steps with Citi And XXXX YOUR Loan Consultant Hi XXXX, I haven't anything from you or anyone else even though you said you will look into it. Please do something since this is the worst experience I had with any banking institution. If you have problems please refund our appraisal cost so that we could find other institutions that could help us to refinance.
-- -- -- -- -- -- -- -- -- -- -- - Since I did not get any response for ~ 2 weeks I emailed the mortgage consultant again -- -- - Forwarded Message -- -- - From : -- -- -- -- -- -- -- -- -- -- > To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX -- -- -- -- -- XXXX XXXX -- > XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- > Sent : Sunday, XX/XX/XXXX, XXXX XXXX CDT Subject : Re : Next Steps with Citi And XXXX YOUR Loan Consultant Hi XXXX, It is on XX/XX/XXXX that you said you will look into the details of my loan application which is now 5 months old. Do you and others really do any work at CITI ( sorry I have to ask this question because it should not take 16 days to respond to a query ), even after sending you another email on XX/XX/XXXX.
This is my worst experience dealing with any banks and I am not sure how you guys are keeping your jobs. It has to be a bad corporate culture that is leading to this level of inefficiencies.
I am really frustrated and do not know what else I need to do in order for you guys to take any action. I will be taking this matter to higher levels at CITI ( who may care about this XXXX XXXX bank ).
Obviously, no one cares at CITI but hopefully, some executives will pay attention to this level of inefficiencies.
Frustrated Customer -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - For this email he gave us a surprise response saying that the loan was canceled in XXXX, XXXX.
-- -- - Forwarded Message -- -- - From : XXXX, XXXX XXXX To : ' -- -- -- -- -- -- -- -- -- -- -- -- -- -> Sent : Monday, XX/XX/XXXX, XXXX XXXX CDT Subject : RE : Next Steps with Citi And XXXX YOUR Loan XXXX Yes , I Had seen that the loans were cancelled in XX/XX/XXXX. So I assumed you had seen documents showing that. I had heard your previous request, and forwarded it into our system.
Sincerely, XXXX XXXX XXXX XXXX XXXX For this email I just responded as shown below few hours ago From : -- -- -- -- -- -- -- -- -- -- -- > Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : -- -- -- -- -- -- -- -- -- > ; -- -- -- -- -- -- -- -- -- -> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Re : Next Steps with Citi And XXXX YOUR Loan Consultant Hi XXXX, I am totally surprised to hear that my loan application was canceled on XXXX XXXX, XXXX. We were not informed about this news and it should not have taken 3 months to inform that the loan was canceled.
We paid for the appraisals ( two loan applications ) and the appraisals were conducted in XXXX. If the loan was canceled in XXXX, XXXX why we were not informed about this by one email.
I have sent emails/and phone calls in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and you have mentioned in XXXX, XXXX, XXXX that the loan is taking 90 days to get approved and the processors should be contacting me shortly ( please see below ).
I spent close to {$1300.00} for appraisals ( two loan applications ) and now you are saying the loan was canceled without any reasons nor you have informed us that the loan was canceled. I want my appraisal fees returned since the loan was canceled without any reason and we were not informed that the loan was canceled for 3 months since the cancellation.
This is an example of the height of irresponsibility and inefficiency in my opinion. This is totally unacceptable and disgusting way of treating your clients.
I request that the loan application is reopened and do the needful to either refund our appraisal costs or take the loan application to closing.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In my opinion, this behavior by the CITI loan consultant is totally unacceptable. It clearly shows that the loan consultant wasn't checking the status of the loan application before he was responding to our query.
CITI bank should have the courtesy to process the application when the customer has spent {$1300.00} for two appraisals. They should have the minimum courtesy to respond to the email ( queries ) after reviewing the status of the loan.
My situation should not happen for anyone else who is applying for a refinancing with CITI. The people responsible for this situation need to be accountable and CITI should take action against such inefficient and incapable employees.
I request that a compromise could be reached and my appraisal fees returned so that I could apply for refinancing with some other organization.
Thank you One frustrated CITI customer.
|
| 02/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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This is regarding several billing disputes that Citibank accused me of misrepresenting. The executive office employee that made these accusations was XXXX, and it occurred on XX/XX/XXXX. The call was recorded for quality assurance purposes, so I am asking that the CFPB request the call record.
During this phone call, I had misrepresented several billing disputes and gave me a few examples : XXXX Store : Home Depot Purchase Date : XX/XX/XXXX Dispute Date : XX/XX/XXXX Permanent Credit Applied : XX/XX/XXXXPurchase : Two bags of lime Reason for return and dispute : one lime bag was torn and the other was water damaged ( torn contents got all over my car and was unable to apply the wet lime to our spreader ) Accusation : XXXX stated Home Depot claimed I never attempted to return the items. XXXX stated the items never were damaged, the bag did not leak in my car, I never attempted to call the store to complain despite telling her I was sure I could provide a phone record of the call. She implied I lied.
Home Depot 's response : E-mailed and spoke to the general manager of the store, XXXX XXXX. He stated corporate office handles disputes and they only send him receipts to inquire if he agrees or disagrees. XXXX the store never could have confirmed whether I called or not. I sent him a copy of my phone records. He confirmed the call was made following the time stamp on the receipt and conceeded I must have complained and the return was not properly processed. Home Depot has offered to refund the account, but it is now well outside the dispute period. I proactively approached them on another previous dispute over XXXX 's seed ( this was not mentioned by XXXX ), because I decided to just contacting merchants based on the little amount of documentation I was given. They agreed to refund this as well, because their website advertising for XXXX 's shows a different return policy than their store ( 90 days ). The XXXX is involved in this complaint.
Main problem : Citibank issued permanent credits to me on both disputes with no additional documentation required but also paid Home Depot on both transactions. In addition, XXXX stated they just wrote the {$10.00} off. She chalked it up to the dollar amount. But the seed purchase was over $ XXXX.The dispute number on the seed purchase is XXXX.
Documentation sent : XXXX : XX/XX/XXXX.
XXXX Store : XXXX XXXX Purchase date : XX/XX/XXXX Dispute date : XX/XX/XXXX Permanent credit applied : No longer can access the date through Citibank 's website because I withdrew the dispute to proactively resolve it with the merchant due to prior mistakes. They did send me documentation by e-mail stating they issued a permanent credit with no additional documentation required. Letters through Citibank 's notification 's page have disappeared, despite saying a 12-month history will be listed from the date made available, so I can not compare dates.
Purchase : XXXX Reason for dispute : XXXX was not made properly. When a customer orders, they order at the cash register and then wait for the food or take it home to go. If something is wrong, a manager will refund in-store or over the phone based on receipt information. They do not ask you for the card. Refund was not processed properly.
Accusation : XXXX stated I never tried to return the item and implied because I tipped there was obviously nothing wrong with the pizza. I told her I had also complained frequently through their website on orders and she said I had not.
XXXX 's response : This problem was address with XXXX XXXX, their assistant manager, and XXXX XXXX, their financial operations manager. XXXX confirmed a previous recent complaint on their website. XXXX apologized for failing to issue two credits ( I went back to a prior dispute as well to be proactive ). Both charges have been refunded to my credit card as of XX/XX/XXXX, and the dollar amounts exceed the amounts disputed.
Main problem : Citibank issued permanent credits to me on both disputes with no additional documentation required but also paid XXXX on both transactions. They also coded the disputes incorrectly as defective merchandise when I clearly disputed them as goods not as received or expected. A pizza can not be defective. In addition, XXXX stated they just wrote the {$18.00} off. She chalked it up to the dollar amount. But the other dispute was $ XXXX.The dispute number on this purchase is XXXX.
Documentation sent : XXXX on XX/XX/XXXX.
XXXX, XXXX Store : XXXX Purchase dates : Dispute dates : XX/XX/XXXX and XX/XX/XXXX Permanent credit applied : No longer can access the date through Citibank 's website because I withdrew all the disputes for the year to proactively resolve it with the merchant due to prior false advertising problems, produce problems, and other problems within the store. They did send me documentation by e-mail stating they issued a permanent credit with no additional documentation required. Letters through Citibank 's notification 's page have disappeared, despite saying a 12-month history will be listed from the date made available, so I can not compare dates.
Purchases : From as much as I was told, and from the amounts, items from the meat department Reason for dispute : False advertising and items not refunded properly.
Accusation : XXXX stated I never tried to return the items in an accusatory tone and said one of the amounts disputed didn't even match the receipt. Maybe sales tax wasn't properly calculated? I have no idea because they have failed to send any type of follow up requests to me for additional documentation.
XXXX 's response : I have been trying to get the problems resolved by e-mail for the last two weeks. On XX/XX/XXXX, I documented by phone how they are mislabeling items in the meat department. I have been talking to their district manager, XXXX XXXX, and he is refunding me for the withdrawn disputes that Citibank has rebilled. These are disputes XXXX for {$35.00}, XXXX XXXX for {$4.00}, XXXX for {$3.00}, and XXXX for {$20.00}. I am still waiting to hear from Citibank on withdraw XXXX for {$26.00}. Despite attempting to withdraw the dispute numerous times, the system will not allow me to do so. I have e-mailed billing disputes three times from XX/XX/XXXX to XX/XX/XXXX. I have received no acknowledgement by e-mail stating they will not withdraw the dispute, so I have no idea if XXXX was paid or not on this transaction. I have also filed an attorney general report against XXXX for false advertising.
Main problem : Citibank issued permanent credits to me on all disputes with no additional documentation required but also paid XXXX. They only reversed several of them when withdrawn. In addition, XXXX stated they just wrote the {$20.00} and the {$35.00} off. She chalked it up to the dollar amount like on the other purchases.
Documentation sent : XXXX : XX/XX/XXXX.
Finally, XXXX stated I would not receive my rewards ' dollars. I stated it was nowhere in my agreement and said I had ordered my agreement online. She told me to go to XXXX 's website. Citibank is responsible for getting customer 's their agreement by mail. They sent out the wrong one. The one they sent doesn't even match my rate.
Citibank needs to address XXXX 's behavior and they also need to start properly following up on disputes when a merchant doesn't agree with what the customer is saying. I know Citibank is capable of it, because they have done it on other disputes despite the dollar amounts in question. They don't have a consistent policy. XXXX also says there have been problems on other disputes, but Citibank has failed to address these in writing or over the phone and has issued permanent credits with no additional documentation in my favor. I have been proactively going through my dispute history to try to figure out what is going on. I'll further say it is grossly unfair to level this kind of accusation on items outside of the 60-90 day dispute period, giving little details, and just asking a customer to be proactive. I am buried in paperwork that could have been resolved earlier during the dispute period.
|
| 07/22/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
On XX/XX/2017, after receiving my Citi Simplicity Credit Card in the mail, I went to an XXXX XXXX to make a purchase. My card was declined at the store and after more than half an hour of speaking to Citi Bank representatives, I was asked to call the Fraud Department the following Monday ( XX/XX/2017 ) and not continue with the purchase. On XX/XX/2017, I contacted the Fraud Department at Citi Bank and the representative assured me that the lock on my account was due to its recency and a large purchase amount. The representative informed me that, in the future, I should contact Citi Bank prior to a large purchase on the credit card and that my account is no longer locked. The representative confirmed that the credit card has been activated for me and the authorized user, my partner. On XX/XX/2017, prior to making a purchase on XXXX, I contacted Citi Bank at XXXX XXXX to inform them of this upcoming large purchase and prevent any complications with the account. Upon calling the first representative ( Rep 1 ), I was told that the number I was calling from ( belonging to the authorized co-member on my credit card ) was not working for authorization purposes and that my account could not be reached. I was directed to use my own number to call back. On the same day ( XX/XX/2017 ) at XXXX XXXX, I contacted another Citi Bank representative ( Rep 2 ) using my own phone number. Upon providing the representative with my phone number for authorization reasons, I was told that the account can not be accessed. Additionally, I was asked to provide any alternative numbers on file for authorization. I informed the representative that my number is the only number remaining on my account ( and I confirmed this on my online Citi Bank account ). She apologized and told me that no access can be made. When asked for clear and full next steps to resolve this issue, Rep 2 was unable to provide any. I proceeded to ask for a supervisor due to this being the second time in one week that my account was locked due to no consistent reason. Rep 2 connected me to a supervisor at Citi Bank by the name of XXXX and ID # XXXX. After explaining the past two authorization issues that I had faced with Citi Bank to XXXX, I was told that the issues will be resolved during this call. XXXX asked for authorization phone numbers again and once the numbers did not work ( despite being the only numbers on file ), XXXX asked for any landline numbers on file. I informed her of the fact that we do not have a landline number and the only two numbers in my possession ( and on file with Citi Bank ) are not working. XXXX continued to push for additional numbers that could help authorize my account, despite no such numbers existing. XXXX proceeded to ask if we had another Citi credit account, the answer to which was no. This led to XXXX asking if I have access to any other credit, savings, or checkings accounts in my name. I provided XXXX with my credit card account at XXXX XXXX. After being put on hold for about 5 minutes, XXXX informed me that she was unable to connect to a XXXX representative and asked for alternative accounts. I provided XXXX with my checking account at XXXX XXXX. After being put on hold for about 10 minutes, XXXX informed me that she was unable to connect to a XXXX XXXX representative and asked for alternative accounts. She specifically mentioned XXXX XXXX being closed, which contradicts what is to come. I provided XXXX with my savings account at XXXX XXXX. After being put on hold for about 10 minutes, XXXX came back on line and began a 3-way conversation with an XXXX XXXX representative. After authorizing XXXX XXXX to share with XXXX information necessary for authorizing my identity, XXXX asked her authorization questions. One of the questions ( whether the savings account was more than a year old ) was never discussed with me prior to being connected to XXXX XXXX. Due to the recency of my account and despite all of the information matching my identity and Citi 's records, XXXX informed me of the authorization failure due to the age of my savings account. At this point, I informed XXXX that I was able to get in contact with XXXX XXXX, despite her earlier claim that they were closed, and that they would be happy to verify my identity and help with the authorization process. XXXX, who seemed to be caught off guard, agreed and took the direct phone number for XXXX XXXX from me. However, prior to connecting with XXXX XXXX, XXXX asked if my current employer can verify my identity. After giving XXXX my employer 's full name, phone number, and address, I was told that the information can not be found on her system. Thinking that this might be due to our affiliation with the headquarter, I provided XXXX with my employer 's HQ information ( address and phone number ). XXXX once again rejected my information and after suspecting that her system is unable to clearly track phone numbers and addresses, XXXX interrupted me and abruptly placed me on hold. After being put on hold for about 10 minutes, XXXX came back on line and began a 3-way conversation with a XXXX XXXX Bank representative. The XXXX XXXX representative verified my information and transferred us to the correct department. The new XXXX XXXX representative followed the verification process and assisted XXXX in verifying my identity for authorization. Once again, XXXX 's last question from the XXXX XXXX representative ( whether the checking account was more than a year old ) was never discussed with me prior to being connected to XXXX XXXX. Due to the recency of my account and despite all of the information matching my identity and Citi 's records, XXXX informed me of the authorization failure due to the age of my checking account. Without allowing me to speak, XXXX continued to tell me that a Citi Bank manager will contact me within 24-48 hours, despite having informed her of the urgency of my purchase and the one and a half hour phone call we had just had. I reminded XXXX of the several points in our call when my phone number, which was the stated primary reason for these calls, was verified and connected to my identity. XXXX agreed with this observation. I confirmed with her that this was all due to allegedly my phone number not matching and she confirmed this, despite earlier telling me that the number does not show on their system. I explained to XXXX the level of alert that this phone call and interactions with Citi Bank from the past week had raised in me and especially how alarming it was to share all of my personal information with her to no avail. She only repeated that a manager will call me within 24-48 hours. I pointed to her that it is highly alarming that despite having told me that my account can not be authorized by my phone number ( due its alleged lack of existence on Citi 's records ), XXXX ended up admitting that the exact phone number was always in the system. She even continued to admit that this has all been due to the recency of my account opening and that the account has not been fully verified since opening. This fully contradicted the conversation I had had with Citi 's Fraud Department on XX/XX/2017 and I pointed this out to XXXX. Being alarmed, I asked XXXX to fully explain why all of my information was needed and specifically why the 1-year rule existed for other bank accounts in order for the verification to be valid. XXXX promised that she will send me a written document detailing this inquiry. As of right now, no such document has been received. Before ending the call, I informed XXXX that these alarming interactions will be reported to CFPB. I asked if this has anything to do with my partner 's, the authorized co-member of my credit card, racial background or our sexual orientation. XXXX confirmed and assured me that it is not due to that. I will ensure to ask this question in every subsequent interaction with Citi Bank. Lastly, XXXX informed me that she has been taking notes and recording our conversation, which I was delighted to hear and look forward to receiving a copy of.
|
| 04/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I am requesting your assistance in resolving a dispute between Citibank and myself. The problem : Citibanks denial of reimbursement on fraudulent withdrawals from my account. The transaction dates and amounts : XX/XX/XXXX : {$100.00} ( XXXX XXXX XXXX ATM, XXXX XXXX ) / XX/XX/XXXX : {$120.00} ( XXXX XXXX XXXX ATM, XXXX XXXX ) / XX/XX/XXXX : {$120.00} ( XXXX XXXX XXXX ATM, XXXX XXXX ) / XX/XX/XXXX : {$120.00} ( XXXX XXXX XXXX ATM, XXXX XXXX ).
XX/XX/XXXX : I notified Citibank of the first series of fraudulent withdrawals ( XX/XX/XXXX, XXXX ). I gave them details for their investigation, including : 1. I am the only one who has access to my debit card and PIN ; 2. the card has not been out of my possession ; 3. since Citibanks office closed in XXXX, I have been making cash withdrawals at ATM machines in the lobbies of my local XXXX XXXX XXXX branches ( where I have an account ).
Since XX/XX/XXXX, I have discussed the case by phone numerous times with various people in the Disputes department ( XXXX ), and with several Citibank supervisors ( XXXX ).
People in Disputes I have spoken with include : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and others. Supervisors I have spoken with include : XXXX, XXXX ( XXXX ), XXXX, and many others XX/XX/XXXX : I received a letter from Citibank requesting information on the first series of fraudulent withdrawals ( XX/XX/XXXX, XXXX ). The letter included a form to fill out, entitled Statement of Unauthorized Use ATM & PIN-Based Transactions, with instructions to return it by fax to Citibank at XXXX.
Note : I have included this letter : ***See : XXXX XX/XX/XXXX : I returned the completed and signed form, Statement of Unauthorized Use ATM & PIN-Based Transactions, to Citibank at fax # XXXX. On the cover page, I wrote : ***IMPORTANT : Please verify receipt of this material by emailing me at XXXX.
Note : I have included this signed form : ***See : XXXX Confirmation of Receipt of XX/XX/XXXX Fax : On the days after sending the XX/XX/XXXX fax, I asked numerous employees in Disputes to confirm the receipt of the XX/XX/XXXX fax, as it was integral to decision making on the case. No one I spoke with could confirm its receipt. All of them told me they would relay my concern to the investigators. To date, I have no confirmation the XX/XX/XXXX fax was received.
XX/XX/XXXX : I received a letter from Citibank ( case XXXX ) stating that they are unable to honor your request for reimbursement on the four fraudulent withdrawals at issue ( see above ).
Note : I have included this letter : ***See : XXXX XX/XX/XXXX : I responded to Citibanks rejection letter of XX/XX/XXXX with my letter, sent by fax to : XXXX. This fax number was offered to me by a supervisor who identified herself as XXXX. In the letter, I contested Citibanks rejection of my request for reimbursement based on their rationale for denial being flimsy and unfounded and that it did not take into consider critical elements of the case. The last line of the letter requested confirmation of receipt of my response : NOTE : PLEASE CONFIRM RECEIPT OF THIS LETTER BY EMAIL ASAP.
Note : I have included this letter : ***See : XXXX *** Note : My XX/XX/XXXX response to Citibank is critical to this case, as it specifically addresses all of Citibanks reasons for denying reimbursement. Please read this carefully, as I have not copied all the key points into this letter. *** XX/XX/XXXX : I phoned Disputes to verify that my XX/XX/XXXX fax had indeed been received by the correct department. Disputes told me the fax number XXXX had instructed me to send it to was for merchant disputes and not for disputes related to unauthorized PIN-based use. After several minutes of requesting the right fax number, the Disputes employee instructed me to send my response to fax number XXXX.
XX/XX/XXXX : Following the Disputes department employees instructions, I faxed the same letter to fax number XXXX. The last line of the letter requested confirmation of receipt of my response : NOTE : PLEASE CONFIRM RECEIPT OF THIS LETTER BY EMAIL ASAP.
Confirmation of Receipt of XX/XX/XXXX Fax : To date, I have no confirmation the XX/XX/XXXX fax was received.
Specifics on XX/XX/XXXX Fraudulent Withdrawal of {$100.00} : 1 ) I used my replacement debit card on XX/XX/XXXX and XX/XX/XXXX to make cash withdrawals at one of my neighborhood XXXX XXXX XXXX.
2 ) I had received the card a few days earlier, had activated it, changed the PIN, and put the card under XXXX. ( Note : XXXX is applied online and temporarily prevents any usage of the card, until the customer releases the card from XXXX. ) 3 ) I temporarily took the card out of XXXX before leaving for the bank on the XXXX and XXXX and put XXXX back on upon returning home ( in less than 90 minutes ).
4 ) On XX/XX/XXXX, there was a fraudulent withdrawal of {$100.00} from my account, WHILE THE CARD WAS UNDER XXXX.
5 ) I mentioned this to several Citibank workers who assured me they would relay that information to the investigators.
The Citibank letter of XX/XX/XXXX makes no mention of the XX/XX/XXXX withdrawal being conducted while the debit card was under XXXX XXXX. The letter is, in fact, a boilerplate letter that does not acknowledge or address key points I stressed with Disputes employees on many occasions.
***Note : When the customer places their card under Quick-Lock, or removes it, Citibank automatically sends an email to the customer notifying them of this.
Note : I have included a file of the five emails to this effect : ***See : XXXX XX/XX/XXXX : XXXX XXXX = Locked / XX/XX/XXXX : XXXX XXXX = Unlocked / XX/XX/XXXX : XXXX XXXX = Locked / XX/XX/XXXX : XXXX XXXX = Unlocked / XX/XX/XXXX : XXXX XXXX = Locked.
Disturbing to me in Citibanks XX/XX/XXXX letter is their rationale for rejecting my request for reimbursement. From the letter, it appears that Citibank is accusing me of attempting to defraud the bank. In my response of XXXX XX/XX/XXXX, I questioned their logic, by asking them to consider if I fit the profile of someone of that nature. I am : a long-standing ( 11 years ) customer of Citibank XXXX years old an educated man with a XXXX a recipient of a prestigious XXXX XXXX, funded by the US State Department ( which brought me to XXXX ) a solid customer of the bank who has maintained a balance in my account of between {$6000.00} and {$20000.00} for the last 16 months a resident of the state of California with a completely clean criminal record, as verifiable through the readily available California Department of Justice report Another point : I have repeatedly asked numerous employees for information on the branch location of the fraudulent withdrawals, and to date have received no response. I have requested this information through supervisors and through the Disputes department. This makes me question the competency of the investigation, or their logic if they are deliberately withholding this information from the customer.
Regarding communication : I have had no online access to my account for weeks, but still receive email customer service notifications from Citibank that can only be opened by clicking the link to my online account ( which, as I mentioned, I can not access ). For weeks, I have asked supervisors to configure my account so all notifications are sent in the form of email attachments. The response from the supervisors has been that they can not accommodate me. When I request that the supervisor read me the content of the most recent customer service notifications over the phone, in most cases they tell me they do not have access to the content. In the meantime, I am unable to read incoming notifications which may be vital to my finances and livelihood.
***See : recent_notifications.pdf*** I thank you for your assistance with this matter. When communicating with me, please do so by email, as I am out of the country until the end of XXXX, after which I will be at my address in the US.
ATTACHED FILES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/19/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I am a XXXX XXXX XXXX ( a XXXX XXXX ) in XXXX. On XXXX XXXX, there were 3 fraudulent wire transfers from my Citi XXXX Checking account. One for {$30000.00} ; one for {$35000.00} ; and one for {$100000.00}. This amounted to ~95 % of my business money ; all that was left was ~ {$7000.00}.
I never authorized these transfers. Ive never transferred sums of this size from this account. Ive never sent any money either of these banks XXXX or XXXX XXXX ( with the possible exception of a refund to a client in the middle of the pandemic in XXXX when they cancelled their wedding ). Citi never spoke with me to obtain my approval for these transfers. Its completely negligent of them to do that!
Most of these funds were fiduciary in nature -- deposits from my clients for performing services ( their weddings, events, galas, fundraisers, and creating their subscription bouquets ). This money was to cover all my costs of goods and operating expenses. Without urgent help, I am in a very bad situation.
The compromised account is now locked ; I've frozen all of my credit. I filed a police report on Mon. XXXX, the earliest I was able to do so.
Citi has been incredibly unhelpful. I was on the phone with Citi for hours every day XXXX - XX/XX/XXXX, escalating the issue and pushing to speak with higher management, as I never authorized these wire transfers and need to obtain any customer protection measures that could help in recovering my funds as quickly as possible. They are telling me they need to first see if the other banks can return any funds, and if they can't they will continue their investigation ( as of Friday XX/XX/XXXX, there is still no concrete response from those banks, which I do not understand in todays modern age! )...
Again, I never authorized these transfers. On XX/XX/XXXX, I asked the people I've spoken with at the Wire Dept. at Citi to provide me with their process for verifying/authorizing a wire transfer, and they essentially told me this was proprietary information, and that they needed to first complete their investigation.
This is a total nightmare. I worked so hard for this money, and have been a client with Citibank since I was XXXX XXXX XXXX ( I am XXXX XXXX XXXX now ). I worked incredibly hard to be in a position to sign a new commercial lease on Monday XX/XX/XXXX, and put down the 1st month 's rent and 3 month 's security deposit. The money left in my account was not enough -- even for the payroll I needed to run payroll on Friday XX/XX/XXXX. I have roughly $ XXXX in monthly expenses, including payroll every 2 weeks. I do not have my money- the money I need to run operations, pay my 10+ employees, purchase goods, and complete services for my clients, etc.
As of yesterday, XX/XX/XXXX, ( now 13 days later ) Citi 's Incident Report Unit ( the unit that handles the fraud case ) told me that they " needed to complete their investigation '' and that it " might take 30 days. '' They did not have any updates for me other than " an investigator will be calling you. '' They gave me a case #, and said they next time I call back to provide the case number for faster help, which I appreciated.
This morning, XX/XX/XXXX, I had just started an important call with a client ( at XXXX ) when I received a call from an XXXX number ( at XXXX ) - my screen read " CITI, XXXX and so I said I needed to answer it as I thought it might be an update on my case. The person who called claimed to be Citi, and asked about a " charge to XXXX, '' which I hadn't made. I quickly hung up.
I immediately called the IRU/Fraud Dept . to report this suspicious call -- and figured I could also get an update on my case. I have been calling the IRU daily.
The woman in the IRU who answered the call and verified my name, asked if I had received any voicemail from Citi in the last 30 days? I said yes. She asked for the reference code in the voicemail.
I checked my voicemail and deleted messages, and did not have a voicemail with a 4 digit code from a Citibank investigator from XX/XX/XXXX.
She said this call was around XXXX. I explained that I missed this call on XX/XX/XXXX because I was at the Citibank branch, focused on transferring what little funds I had in my compromised account to a new account I was setting up, so that I could run payroll and pay rent, etc.
I asked them if they could please verify my identity in another way. She said no, She needed the 4 digit code. I got very angry. I explained I will be putting Citi on blast, as soon as this is resolved for the terrible way that theyve treated me, after being a longtime client since I was XXXX. I screamed into the phone I need help. Youre supposed to help me!
( I was supposed to be in an important client meeting at XXXX, to help lock down a job that I, in this moment, desperately need the deposit for ).
She then sounded sullen as she asked for the last 4 of my social. I gave them to her. She then asked for my card number. I said which card? The old or the new card? She said either card. I said Either card? Im hanging up, I dont even trust that this is Citibank XXXX I truly didnt. I felt so paranoid, because just yesterday someone from the IRU had told me that all I needed was my case #. I decided to call the number on the back of my debit card because that has felt like the most legit way to reach Citibank.
So, I called XXXX XXXX XXXX. I spoke to a woman, and explained the suspicious call Id received. I shared the phone number that had called me ( XXXX ) she said no, thats not a Citi number. ( So, definitely fraudulent ). She transferred me to someone else. Went through the whole story again. He said he was filing a case with the date / time ( XXXX ) of the phone call and number. He cancelled the new debit card ending in XXXX and Ill receive a new one in 1-2 biz days, mailed to CT, no signature required.
Then I asked about the issue w/ the fraud dept. That I couldnt get through to learn about the status of my case b/c I didnt have the voicemail w/ 4-digit reference number.
Transferred to Fraud told me he explained I dont have the reference number. Took about 10-15 minutes to get to speak with Laurence from IRU.
He also demanded the 4-digit code that I do not have and said without this code, I can not further assist you. At this point, Ive been on the phone with Citi for 1 hour and 20 minutes.
I asked to speak to a supervisor. I was put on hold again. ( I took a screen shot of this ).
Spoke to XXXX, who Ive spoken to at least twice before ( when previously calling the IRU and not getting anywhere with whoever answered the phone ).
XXXX repeated they cant help me w/out the 4-digit code from the investigator, and so the investigator will need to try calling me again. I got very irate, because I felt so gaslit. I am not a child. I checked my Voicemail there was no message, no code ; and, just the day before, the IRU told me all I needed was my case #. I explained that I had missed the investigators call not because Im ignoring calls ( I am picking up EVERY call right now because I have been dealing with so many departments and agencies trying to get answers and help ). I missed the call b/c I was at Citibank. I explained I am a busy person constantly in meetings, needing to organize orders, meet with clients, plan flowers for weddings, meet with employees. I said I would love to schedule a time to speak with the investigator, and that if I had the code, I would provide it as I do not have an hour and a half to be on the phone, fighting to learn any updates on my case.
He said he felt me and would email the investigator to share what times Im available. He said he could not call me back to confirm a time that only the investigator can call me right now. I shared I was NOT in meetings today from XXXX, and Monday, XXXX. He said all he could do was share these times with the investigator in an email.
I was on the phone for 1 hr 50 minutes.
Im unable to run my business. I am desperately in need of help, to get Citibank to restore my funds.
|
| 02/03/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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|
Web |
Servicemember |
|
On XX/XX/XXXX I made the minimum payment due of {$240.00} for our Home Depot account. On XX/XX/XXXX, I went into the store to make a {$5000.00} payment intended to pay off a promotional balance and pay down the card balance. My husband and I are paying down/paying off accounts in conjunction with a refinance and were timing transactions to report to the credit bureau and adjust our credit rating to ensure that we could qualify for a 0-1.99 % interest rate offer that expires on XX/XX/XXXX.
On XXXX I called Home Depot Credit services because I received the bill and noticed my payment was not allocated correctly. They applied the entire amount to our revolving balance in lieu of paying off the promotional balance in the amount of {$1400.00} and having the remainder pay down the revolving balance. We made the payments in a specific fashion on XX/XX/XXXX and XX/XX/XXXX to avoid what is currently {$620.00} worth of deferred interest and because all previous communications ( documented in their system ) stated and reiterated that the default allocation method within 60 days of the promotion expiration would be as follows : 1 ) Minimum amount due applied to revolving balance 2 ) Remaining amount of payment applied to the promotion.
I was on the phone with Home Depot Credit Services for greater than 1 1/2 hours today ( XX/XX/XXXX ). The first representative I spoke with, XXXX, tried to reallocate the payment but said that she couldn't because I was not the primary cardholder on the account. I explained that if she looked into the details/note on the account she should see that all previous calls/transactions were done so by me. I also explained to her that my husband had sent in a form authorizing me to handle this account previously. She said the system physically would not allow her to do it because she was in the account under my name. I asked her why the system did not allocate like it should have ... and she stated that she wasn't sure. She confirmed that I was correct in my understanding of how payments should be allocated. Stating ... '' There was something definitely wrong '', but the system wouldn't let her fix it. I verified with her that the call was being recorded ... she said yes that it should be.
She transferred me to SCRA Services incorrectly and they transferred me back to HD Credit services. This time I spoke with XXXX who also said he couldn't do anything to reallocate the money because I was not the primary account holder. I stated that I wasn't asking for specific amounts to be put anywhere. I was asking that the allocation be corrected to how it was " supposed '' to be allocated. He confirmed that the account was paid within the 60 day window ( 57 days to be exact ) and that it should have paid the promotional balance in full. Again I verified with him that he believed the call was being recorded before I asked for an escalation.
XXXX escalated the call to XXXX. He admitted that he understood it was common practice to communicate 60 days in lieu of 2 billing cycles. I explained that I had spoken to numerous HD credit services representatives ( 2 of which were just previous to speaking with him ) that specifically verified it was 60 days prior to the promotional expiration. I explained that if it was indeed 2 billing cycles then other communications with HD credit services were incorrect and intentionally misleading. It seemed suspect that they would knowingly misrepresent the payment allocation method to consumers that specifically inquired about it.
In addition, I explained that I was working to rebuild our credit by making this payment in time to have the payment positively reflect on my credit report for other financial transactions. He proposed an alternative to refund the money that I could then reapply and have it allocate correctly. It completely caught me off guard, and I expressed my concern, that their " policy '' would allow them to issue a refund check ( non secure at all ) at MY request, but they would not reallocate a payment on the account the way that it was supposed to have been allocated to keep the money on the account. In addition, because the new balance still was not showing on my credit report, there was potential that the payment would show on my credit report as a decrease and then a drastic increase again due to the refund depending on timing and the mail. This seemed far from an optimal resolution, that could have additional negative financial implications.
I asked XXXX if there was an option to further escalate to someone who would be able to allocate the payment correctly. He said he could escalate but he wasn't sure they would be able to do anything. He contacted XXXX in the Executive Response Unit.
I restated the issue for the 4th time to XXXX and she said that it didn't allocate the way I was told it should because it was not within 2 billing cycles. She said normally, the 60 days they stated falls within the 2 billing cycles, but this time it didn't. To further put things into perspective, I paid the $ XXXX on XX/XX/XXXX and the billing cycle started on XX/XX/XXXX. Absolutely ridiculous.
I asked her where it was stated that it's billing cycles in lieu of 60 days as communicated and she originally stated it was on the bill. Then after she reviewed it and I reviewed the bill while still on the phone, she admitted that it was not stated on the bill. She then said, that she believed it was on the terms sent out when the account was opened. For the record and for recording purposes, I verified that I've spoken to several HD account services representative who expressly provided information to the contrary since the time we've received the terms when the account was opened.
I let her know, that although the representatives were respectful and appeared cooperative, I firmly believed HD credit services was practicing misleading and deceptive communication practices and that I would be reporting them to the CFPB. She stated that these complaints come to her area. I'm reporting this despite the fact that she gave me the impression that my issue would not receive another look or consideration.
It makes no sense, when consumers are doing everything within the parameters provided by the company to work their way out of debt that companies are allowed to engage in business practices that entrap and/or expressly inhibit the consumers ability to be successful.
Three ( 3 ) HD Credit services account representatives, today alone, said the payment allocation went to the promotion 60 days from the promotion expiration date. It would have been easy for them to do a one time reallocation of the payment to pay off the promotional balance admitting that they communicated the terms incorrectly. Especially in light of the fact that they admitted the miscommunication. Instead, their predatory practice of hindering payoff will most likely cause an unnecessary {$700.00} in deferred interest be applied to our balance to which they will continue to accrue additional interest.
I told all of the representatives that my husband worked on a secure facility and that he wasn't allowed to have his cell phone for me to call him. I also told them that I managed this account and had been doing so with his permission for a long as it's been opened. They made no attempt to verify that I was the person who made all payment allocation inquiries previously, they made no attempt to verify that my husband filled out a form to keep on file that I had permission to do so. They made no attempt to review the account at all.
Everything my husband and I are doing is to make ourselves more financially sound and credit worthy. We believed we were doing everything right and playing by the rules. And yet, we're in a situation where we even lose when we try to do the right thing and pay off debt. These predatory practices and " policies '' of misrepresenting information and/or intentionally misleading the consumer are egregious acts which should not be overlooked and allowed to continue.
|
| 08/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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Hello, on XX/XX/XXXX, I submitted four disputes ( all from the same transaction and vendor ) to Citi Credit Cards ( " Citi '' ) because the service provided by the vendor was not performed as agreed. In short, on XX/XX/XXXX, I hired XXXX XXXX XXXX ( " XXXX '' ) to replace a standing bathroom shower along with some other plumbing work, and within a month of job completion, the newly installed shower began to fall apart. Multiple attempts to contact XXXX for a resolution were made from XXXX XX/XX/XXXX, without success. As such, a dispute was opened with Citi on XX/XX/XXXX.
On XX/XX/XXXX, I received Citi 's instructions to provide additional details regarding the dispute. See attachment named " Citi Instructions signed ''. I provided Citi with the following on XX/XX/XXXX via email. Note that all communication/documents are attached here as well with the name of each documents in parenthesis below : 1- Signed Billing Dispute letter ( Citi Instructions signed ) 2- Letter explaining the specific details for the transaction and claim ( Dispute Letter ) 3-Original merchant invoice/disputed transaction ( XXXX XXXX Invoice Dispute ) 4- Communication attempts made to resolve the issue ( XX/XX/XXXX Text ) 5- Estimate/Invoice from new vendor corroborating that the work performed was poorly done and needs to be corrected ( XXXX XXXX Estimate ) 6- Pictures ( in pdf ) showing the poor quality of the work performed ( Pictures ) XX/XX/XXXX Citi emailed me the following communication : I am a Billing Dispute representative at CITI. We are investigating your disputed charges you opened on XXXX with XXXX XXXX XXXX XXXX NJ : that posted to your XXXX account ending XXXX in the amounts of {$370.00}, {$400.00}, {$2200.00} and {$2400.00}. To investigate further we need additional information and documentation. Please provide a timeline of events, including the first and last dates that the merchant was on your property for the installation, and the dates that you contacted the merchant for your request for credit. Because it appears that you are disputing the work that the merchant completed, you must provide documentation to support that it was not completed correctly. This may include obtaining a second merchants opinion. The second opinion must be a direct comparison to the sales contract provided by the merchant and the work completed. It must explain line-by-line what the first merchant did not finish, or complete correctly. Have a business card attached to your second merchants opinion. Lastly, please indicate the date that you advised the merchant to come pick up any materials that you received, and the merchants response to your request.
Please be as detailed as possible and include specific dates and timeframes in your dispute explanation. When providing supporting documentation, please do not send photographs or smart phone pictures, as they are not compatible with our system. Our fax number is XXXX and our email address is XXXX. Awaiting your response. We appreciate this opportunity to be of service.
Merchant Acquirer Please Note : the attached email came through the Citibank secured email environment from the customer and was forwarded to the Citibank dispute area from our Customer Service Unit.
Billing Dispute Unit, XXXX XX/XX/XXXX I emailed a response pointing to my initial email from XX/XX/XXXX, and forwarded all documents numbered above ( 1-6 ), as I believed everything asked for was already furnished on that communication.
XX/XX/XXXX Citi responds stating that the dispute is closed because " we understand that you hired another merchant to complete the work, as the merchandise installed by the merchant can not be made available for return in the condition it was received. As a result, we have closed our investigation. '' See attachment named Citi Response XXXX.
XX/XX/XXXX, I responded to Citi with the following email : Good afternoon, I received attached letter stating that my dispute was closed because I " hired another merchant to complete the work '' I kindly ask for clarification as I have not hired another merchant to complete/fix the work performed by XXXX XXXX . I obtained a quote from a separate merchant, which corroborates my claim that the work performed by XXXX XXXX was not done properly, and needs to be re-done. However, at this time, the work has not been completed/fixed.
Please feel free to contact me via email or phone.
Thank you for your time, Note that I did not receive a response back from Citi.
On XX/XX/XXXX, I called Citi 's dispute department to inquire once more and attempt to either clarify or understand why Citi though that I had hired another vendor. The rep instructed me to sign the response letter from Citi dated XXXX, and email it back to the dispute team with the explanation that I had not hired another merchant ( note that I had already emailed the dispute team with this info on XX/XX/XXXX ). The rep also pointed out that on Citi 's original information request from XX/XX/XXXX, Citi failed to inform me that there was a separate dispute ID for each transaction, and this could have caused the information sent XX/XX/XXXX to be applied to only one disputed transaction.
I did as instructed and both emailed and faxed Citi all documentation from XX/XX/XXXX, explained that I had NOT hired another vendor, simply obtained a quote as proof that the work performed by XXXX was poorly done, and asked for the disputes to be re-opened. This was all done XX/XX/XXXX.
XX/XX/XXXX, I received communication from Citi stating that the disputes were closed because too much time had passed since the transaction and now they could not be disputed. See attachment named Citi Response XXXX.
I immediately called Citi indicating that these transactions were disputed on XX/XX/XXXX, and that if the transactions were past the dispute timeframe, the disputes would not have been opened and under investigation for the past few months. The rep informed me that a " referral '' was placed to re-open and investigate the disputes, along with re-instating conditional credit, which at this point, was reversed by Citi.
XXXX XXXX No response from Citi on the continuation of the disputes or applying the conditional credit. Again, I called, again a " referral '' was placed to investigate. Note that each rep indicated that I should have received a response within 4-6 business days.
XXXX XXXX I had not heard back from Citi . I called again, the rep insisted that he would place a referral and that nothing else could be done, and there was no one higher that I could speak to regarding the matter. As you can imagine, at this point I was quite frustrated with these interactions, as I think any reasonable person would be. This rep again tried to tell me that the transactions were " too old '' to dispute, I of course, corrected him. This rep was also able to confirm a key piece of information that I found troubling- Through this dispute process, since XX/XX/XXXX, now XX/XX/XXXX, Citi had never contacted the merchant regarding these disputes... I agreed to have the " referral '' placed again.
XXXX XXXX I emailed Citi to memorialize my calls from XXXX XXXX and kindly ask that they take my dispute seriously, and complete the investigation.
XXXX XXXX Citi responded saying that the disputes were closed because I had hired another merchant to complete the work.. Again, the same reason erroneously given for closing the disputes on XX/XX/XXXX.
As you can see, I have complied with everything asked of me from Citi for these disputes to be investigated, and what I found is that ( a ) Citi has not taken my disputes seriously, which is truly an abusive and unfair practice on Citi 's part, or ( b ) they made a mistake somewhere along the dispute process by not contacting the merchant in time, and decided to end this investigation at my peril. Either way, I hope that you can help me find a solution, as this was a large transaction, and having this type of treatment from a banking institution is simply unacceptable.
|
| 03/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/XXXX Inre : Problems with Citibank 's Dispute Resolution process XXXX XXXX, CEO Citibank XXXX XXXX XXXX XXXX XXXX, New York XXXX Dear XXXX XXXX As the victim of three embezzlements ( two of them for more than {$100000.00}, a third for {$90000.00}, plus the theft of my identify ) I am especially wary about being victimized by fraud yet again. My resolve to stand up to crooks has has led to victories in two major lawsuits and in a XXXX criminal trial that landed a Michigan swindler ( who embezzled {$90000.00} from me ) in prison for up to 20 years. Because fraud is epidemic these days, I have permanently frozen my credit and make it point to pay off my credit bill every month so that it is easier for me to detect whether hackers, unscrupulous auto billers and other fraudsters have posted unjustified charges to my account, Despite these precautions, I became the victim of yet another swindle in XXXX of this year after using my Citicard to purchase a {$1700.00} air ticket to attend a travel conference in XXXX. After an XXXX XXXX supervisor at XXXX XXXX XXXX declared my ticket illegaland refused to let me board my flight using it, I attempted without success to contact the rep at XXXX XXXXs who sold me the ticket and, because NO SERVICE WAS RENDERED and the TICKET itself was FRAUDULENT, have pressed this company without success to charge back my funds ever since. I made sure that Citibank knew about this fraud soon after it occurred, believing that Citi would go to bat for me, not drag its feet Once it became clear that XXXX XXXX had no intention of simply booking me on another flight to XXXX, as any legitimate ticketing agency would have quickly done, I booked a new ticket myself at an additional cost of {$2200.00}. To be clear, because my original ticket was fake, and therefore useless, and I needed to get to my conference, I was forced to buy another ticket for myself to the same destination at the same time at a combined cost of more that {$4000.00} - even more if the extra {$250.00} I had to pay for a new PCR test and miscellaneous travel expenses are factored in. In more than two months that have passed since XXXX XXXX, XXXX, I have yet to hear from anyone at XXXX XXXX, even though I also bought travel insurance from XXXX that was supposed to cover cancelations, delays or other inconveniences during travel, but it, too, is apparently bogus.
By XXXX XXXX XXXX, it is easy to find scores of other XXXX XXXX victims who have posted videos documenting how they have been ripped off by this fraudulent company. The sheer numbers of these victims makes it highly likely that at least some of them used Citicards to consummate their own dealings with XXXX XXXX. This, along with U.S. consumer protection laws, obligates Citibank to have their backs, as well as my back. But rather than using its formidable international clout to charge back my money, as it should have done from start, Citibank has only shown its back to me, miring my claim in its convoluted, confusing, far flung disputes resolution process. This has made it difficult if not impossible for me to get in touch with anyone capable of quickly resolving this matter at the same time it has conferred legitimacy on an illegitimate company. Instead of assistance, I have gotten only XXXX numbers to nowhere and endless delays that appear predetermined to run out the clock on my claim. Eventually I got routed to Citibanks Executive Resolutions Unit in XXXX XXXX, South Dakota, but in my experience this operation is equally if not even more aloof and nonchalant about charging back my money. This became clear despite the myriad letters, emails and calls I sent/made trying to get the attention of someone at Citis ERU willing to move on my claim. Instead of getting a charge back, I got a letter from this unit stating without reason that the matter was not resolved in my favor- before I even got a chance to send my voluminous proof showing that my sole intent was to buy a legitimate ticket, not a fraudulent ticket. No one in their right mind would deliberately pay {$1700.00} for a fake ticket anymore than they would pay {$70000.00} for, say, a picture of a XXXX rather than an actual XXXX. If I did that, I would be subject to criminal prosecution. But Citibank up to now has opted to simply look the other way, refusing to understand that what I got for my {$1700.00} was no better than a photograph of a plane ticket, not a bonafide ticket that would get me to XXXX. And since no real ticket was provided to me and NO SERVICE WAS RENDERED, I can not be held liable for this fake, misrepresented ticket.
Equally troubling, I emailed five letters to your personal attention in XXXX through the Executive Resolution Units email, after an XXXX employee named XXXX XXXX XXXX who initially was assigned to look into my case ) failed to call me even once, never spoke to me, and never live chatted or emailed me so that I could get her exactly the documents and/or information that she required. Most troubling, the five letters I emailed appraising you about the details of my situation also were ignored, leaving me so frustrated that I got into my car and drove two hours to the nearest Citibank branch. There an ethical Citi employee sympathetic to my plight gave me what she said were your email address and phone number ( XXXX ) XXXX ). When I called that number, a woman who answered gave me a number for XXXX XXXX ( XXXX ) who she described as the main XXXX supervisor, and instructed me to call XXXX XXXX. I did, but that number turned out to be bad. When I called your number again, I got a sustained busy signal. The next day, I borrowed a friends phone to try your number once more, and this time quickly reached the same woman. However, when I asked her about why my number was being blocked, she immediately hung up. A little while later XXXX XXXX of Citibanks security team called my friends phone and asked for me, and I told him how Citibank clearly was stonewalling me and my efforts to resolve my complaint. XXXX was cordial, but seemed particularly keen on learning how I got your number, which made me suspect that Citi intended to punish the ethical employee who gave it to me. At the same time XXXX also put me in touch with XXXX XXXX, who actually gave me her last name and direct phone number. After talking with XXXX once or twice, however, her phone number, too, went unanswered and my case apparently got routed elsewhere. Where, I am still not sure.
Whether intentional or not, Citibanks dispute resolutions system is hopelessly dysfunctional, and, at least in my experience, serves no purpose other than to give Citi an excuse to distance itself from troubling claims while at the same time conferring legitimacy and green lighting the shady practices of predators that falsely style themselves as real companies. It is as if the process itself is rigged, much like playing wack-a-mole with XXXX traps set up at every step of the way to insure that victims of fraud remain frustrated, unable to do anything about recouping their unjustified losses, and left to twist in the wind. The treatment I have received by Citibank is egregiously unconscionable, and illustrative of how powerless and exploited members of society become when they rely on large corporate entities to do what is right and have their backs on legitimate claims. Since this nightmare began, I feel whipsawed by the crooks at XXXX XXXX who illegally charged my card for a bogus ticket then vanished, but also Citibank itself, which by consumer law is supposed to protect the interests of its clients in cases of fraud, but whose disjointed dispute process and weaselly evasiveness amounts to turning its back on them.
Kindly tell me, XXXX XXXX, when are you going to use the leverage of Citibank to support your cardholders in accordance with consumer law rather than turning your own back on them?
I look forward to hearing from you.
Thanks for your consideration in this pressing matter.
Sincerely, XXXX XXXX XXXX CC : FCPB
|
| 09/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have been disputing a charge on my husband 's credit card since XXXX XXXXXXXX
Here is the information : XXXX {$4200.00} XXXX dispute amount is {$4000.00} XXXX Master 's Dog Training We have a XXXX XXXX XXXX male XXXX XXXX.
XXXX XXXX XXXX we brought him to XXXXXXXX XXXX XXXX XXXX in XXXX XXXX and we decided to have XXXX trained. It is a 21 day training and the dog is also boarded at the facility.
When we brought XXXX home we told him some simple commands, sit and down, XXXX was not able to do them. We told him to come here, but he was n't able to do that either.
XXXX was boarded for 21 days and received a lot of exercise, but that was it. XXXX was not trained.
I called Citi Bank to find out their protocol regarding filing a dispute. I was told by your representative Citi Bank stands behind their customer all the time. Citi Bank has a no dispute / no fault policy and always sides with their customer. I told him I would call him back if I decide to proceed with the dispute. Later that day I did call back and the rep told me this dispute was already in process.
If your rep would have told me that Citi Bank does n't always stand by their customer I would have possible gone in a different direction to resolve this issue.
Here is a summary of many things that occurred with Citi Bank and why I am so frustrated.
I was told by Citi Bank they would send me out a form to fill out. I did n't receive this form, so I called Citi Bank and they said they would mail out the form again.
Once I got the form I filled it out explaining why I am disputing this charge.
I received a letter dated XXXX stating Citi bank was denying my dispute because there was n't enough information to support my claim.
On XXXX/XXXX/XXXX I called Citi Bank and spoke to XXXX, a dispute XXXX, and explained why I am disputing this claim. She said the claim was opened incorrectly and she will email a form that is slightly different than the original form. I received the form the same day and I filled it out and emailed it back to her.
I received a letter dated XXXX stating " Please understand we are required to follow certain rules and regulations during the dispute process. We are unable to proceed with this dispute because you are disputing the quality of a service received. XXXX has no further recourse in this matter and can not obtain credit on you behalf ''.
XXXX/XXXX/XXXX I called to speak to a XXXX. Your representative, XXXX, said all of the managers were busy, but someone would call me back. I asked the hours of the call center and XXXX said they are open 24 hours. No one called me back. Later that same night I called back and spoke to XXXX, located in XXXX, and he said the call center is open from 8am to midnight. Again I was given wrong information.
I called Citi Bank again and the XXXX said they needed me to show them the contract. I told the XXXX XXXX XXXX XXXX never emailed me a contract. I also told the rep why should I present the contract. I am your customer and you should be standing by me. Instead Citi Bank has made me feel like a horrible person for standing up for the right thing. My dog was not trained and why should I pay for a service which did n't happen. I said it should be up to XXXX XXXX XXXX to show you the contract and prove these things. She said she agrees and would try to find someone to help us out. Of course this never happened. During this conversation I was told Citi Bank did not send this dispute to XXXX XXXX XXXX or their credit card company. Which means my credit card company Citi Bank did n't even try to fight for me and just denied my dispute.
I received a letter dated XXXX stating based on the information available we are unable to assist you due to the services were provided and used. Since you are disputing the inconvenience due to the quality of the services you received, we do not have the ability to place a dollar value on the amount of compensation. I am not even sure what this means.
I received a letter dated X/X/17 Your inquiry has been received by our XXXX XXXX XXXX. Rest assured, we 're looking into your concerns regarding your above-referenced account.
XXXX/XXXX/XXXX I have attached a copy of this letter. It has many inaccurate statements and bold lies. It states Citi Bank previously requested documentation from you in our letter dated XXXX XXXX, XXXX to further assist with your dispute. Because you did not provide sufficient documentation, we were unable to substantiate a request for credit from the merchant. Again a bold lie. I sent in the documentation they requested.
I have asked for months to have the tape pulled, so we can listen to my conversation with the rep telling me Citi Bank has a no dispute / no fault policy and always sides with their customer, but as of my last conversation with Citi Bank they still did not have the tape pulled. I would usually ask the rep about the tape. The reps would tell me yes we are going to get the tape pulled. Another lie! As of today no one has called or emailed me regarding that taped conversation. This tells me Citi Bank does n't want to hear the conversation because their rep did tell me Citi Bank will stand behind their customer no matter what. I am sure after a while these tapes are destroyed and maybe that is why Citi Bank has n't presented the tape.
All the managers and reps that I have spoken with were all stunned that my dispute was being denied and none of them could tell me why. Nothing made sense to any of them. The managers and reps said they would look into and get back to me which of course never happened.
We did send XXXX to another trainer. I will forward you his email regarding XXXX not being trained.
Again if your rep would have told me that Citi Bank does n't always stand by their customer I would have possible gone in a different direction to resolve this issue.
On XXXX/XXXX/XXXX I thought maybe if I call an XXXX of Citibank my issue might be heard. I emailed the CEO or CFO XXXX XXXX and explained everything. I finally received a call today from XXXX XXXX ( XXXX ). She is a person who tries to resolve issues. She said XXXX XXXX receives a copy of all emails but he does n't answer them and XXXX is supposed to handle these emails for him.
XXXX said Citi Bank has credited my account {$500.00}, but that 's all they can do. She said since it 's only the quality of service and that I did n't respond to a letter sent out to me ( which I did respond to ) and I stopped her at that point. I said it has nothing to do with the quality of service and yes I did respond to the letter mailed to me. It has to do with the Citibank rep telling me there is the no dispute / no fault policy and always sides with their customer. Otherwise I would have gone in a different direction. XXXX said there is nothing further Citi Bank can do but I should try to get a refund from the merchant. I said so you are not going to stand behind what your employee told me and she said no. I told her I was going to go public and also picket the XXXX store to make sure everyone knows how Citibank has treated me. I said I want to make sure that XXXX XXXX will know what XXXX is saying to me and that I am going public and going to picket the store. She said yes he will. We ended our phone call. Then I was thinking at this point our conversation was all hear say. I called XXXX back and it went to voicemail. I left her a message asking her to respond back to my email and let me know everything we spoke about. This way I will have something in writing. I have n't received an email back yet, so I am hoping I will get it tomorrow.
It 's very disheartening that Citibank XXXX XXXX do n't want to make good on this dispute especially because it was their employee making the mistake. Why should I have to pay the price for a mistake I did n't make. Also I could have dealt with this in a different manner and maybe I would n't have XXXX months of anxiety and stress.
I hope you can help me with this dispute.
Thank you for your time.
|
| 03/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In early XX/XX/XXXX, I was made aware that I was a victim of an internet scam by a company, XXXX '', previously known as XXXX XXXX XXXX XXXX, that was selling online business " mentorship '' programs. I used XXXX ( XXXX ) credit cards to finance this mentorship program - a CitiCard MasterCard and a XXXX card. XXXX gave me a temporary credit for the charges and then found in my favor within the 60 day period given to the merchant to respond to the dispute. At the end of the 60 days, XXXX immediately gave me a permanent credit for the full amount of the original charges. XXXX card was very courteous and prompt in their responses with me and any additional information they needed to investigate properly into the matter.
CitiCard Mastercard, on the other hand, has been very difficult during the entire dispute process. CitiCard MasterCard has been delinquent in their initial processing of my dispute. It took XXXX ( XXXX ) separate submissions before CitiCard MasterCard even entered my dispute into their system.
Initially, I tried filing the dispute with CitiCard MasterCard using their online website, but was instructed to call and speak to a dispute XXXX. I called CitiCard MasterCard on XX/XX/XXXX and explained my situation for which they instructed me that I would have to mail in the documentation before a dispute could be placed into their system. I followed CitiCard MasterCards instructions and mailed a letter explaining my dispute along with all documentation proving the products and services that I purchased were not delivered in full or not at all as part of an internet scam ; as well as all communication with the Merchant ( XXXX XXXX XXXX XXXX, XXXX XXXX ) being disconnected.
I called CitiCard MasterCard repeatedly for updates* and my dispute was only entered into their system once I mailed all documentation with signature confirmation. When I called to follow up after this third attempt, CitiCard MasterCard informed me that they actually had all three of my submissions. My initial submission was sent mid XX/XX/XXXX, but it was not entered into their system until XX/XX/XXXX ( see attached letter dated XX/XX/XXXX from CitiCard Mastercard ).
*I called CitiCard MasterCard XXXX ( XXXX ) times on XX/XX/XXXX and again on XX/XX/XXXX to follow up with them and make sure the paperwork had been received. They told me it was not in the system and to give it more time to be logged in. I called XXXX ( XXXX ) more times on XX/XX/XXXX and the documentation I sent was still not entered into the system. I was instructed to fax the information to them.
I faxed the information to them on XX/XX/XXXX and followed up with them again via phone call on XX/XX/XXXX, more than a month later. Again, I was told that the documentation was not logged into their system. I was instructed to mail the paperwork in for a total of XXXX ( XXXX ) submissions at this point.
I printed off all documentation again and mailed it with signature confirmation to CitiCard MasterCard.
On XX/XX/XXXX I received notification via email from CitiCard MasterCard that more information was requested ( see attached letter from CitiCard MasterCard dated XX/XX/XXXX. ) This notification requested that I provide the information by XX/XX/XXXX even though I had received it on XX/XX/XXXX, only XXXX ( XXXX ) days notice, or the matter would be resolved and closed in the merchants favor. I called Citicard MasterCard immediately to inform them that I just received this request and that I would be sending it to them later that day. I emailed the requested information ( see attached letter with signature dated XX/XX/XXXX ) to the email address provided on XX/XX/XXXX.
I called to follow up on XX/XX/XXXX for which finally I was told all XXXX submissions of my paperwork were received but not all were logged into their system. The one for XXXX XXXX XXXX XXXX was the only dispute logged into their system, and they were investigating the matter.
On XX/XX/XXXX, I received another e-communication that CitiCard MasterCard required more information regarding my dispute with XXXX XXXX XXXX XXXX in order to be able to assist me with the dispute. I provided all of the information that they requested in this e-communication prior to the deadline of XX/XX/XXXX. I emailed it to the address provided on XX/XX/XXXX.
On XX/XX/XXXX, I received a voicemail from an agent with Citi Bank regarding an ongoing investigation. I immediately called back and left a voicemail to call me. I never heard back from the agent. I called several more times and left several more messages to call me back with whatever information, update, or request they had. I never heard back from anyone.
On XX/XX/XXXX I called to follow up with them regarding my dispute and was told they were still investigating and that I would receive communication via email or to keep checking the e-communications part of my online account. I noticed that on this call and the previous one, the agent was rushed to get me off of the phone. The tone of the conversation was that I was not a valued customer and my concerns were not important.
On XX/XX/XXXX I received an email with the notification that my dispute had been resolved. The communication letter stated, We have reviewed your dispute and determined that we are unable to assist you. The charge is dated XX/XX/XXXX and the dispute was initiated on XX/XX/XXXX. We previously requested the first and the last date the merchant rendered the services and we needed your letter with all the dispute details and documentation within sixty days from the last date the service were rendered. Due to the age of this charge, we are now unable to resolve the dispute on your behalf and we have closed our investigation. However, if you wish to pursue this matter, you may seek alternate means in which to obtain the credit you desire for your account.
There is so much wrong and contradictory with this letter. First, they were quite able to assist me, but chose not to because it is not in their best interest being that the merchant was a scam and CitiCard MasterCard can not recoup the money from additional purchases from this merchant to cover the chargeback to my account.
Second, in the letter dated XX/XX/XXXX, CitiCard MasterCard did NOT request the first and last dates the merchant rendered the services. And even though they did not ask for this information, I did provide the dates of trying to contact the merchant because I could not access the training I paid for. This was on XX/XX/XXXX. As previously mentioned above, I tried disputing this charge online and was instructed to call and speak with an agent. Within 30 days, I called CitiCard MasterCard to file a dispute. Again, they instructed me to mail documentation in. It took CitiCard MasterCard more than 60 days to log my dispute into their system.
I have been dealing with this since XX/XX/XXXX and have cooperated with everything CitiCard MasterCard has asked for regarding paperwork and documentation showing I was a victim of a scam. I have been patient with their process and lack of communication even when they rushed me to get information to them immediately or else my dispute would be closed in the merchants favor. I do not feel I have been treated fairly in this case and that it sets an unfair precedence into the other charges I am disputing as a result of this scam.
I called again today, XX/XX/XXXX to have my dispute reopened due to the inaccuracy of the CitiCard MasterCard 's excuses for not being able to resolve the dispute in my favor given all of the documentation I provided them clearly showing that the LIFETIME mentorship program I invested in was a scam and I have NOTHING to show for the money I paid. If the time lapse was such an issue and against their policy, why did they keep asking me for more information only to give me the reason that the purchase was too long ago to be able to help me? This sounds as much like a scam as the mentorship program I invested in.
|
| 03/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Citi has refused to remove a fraudulent charge from my MasterCard account.
Date of charge : XX/XX/XXXX Amount : {$50.00} ( a XX/XX/XXXX swipe ) Payee : XXXX XXXX XXXX On XX/XX/XXXX, I received a text message from Citi card asking is I made a {$200.00} charge at XXXX XXXX. I indicated that this charge was not made by me, and it never appeared on my account. When I went online to check my card, I saw two additional unauthorized transactions, a XXXXXX/XX/XXXX transaction ( dont remember the Payee ) and the above referenced charge to XXXX XXXX XXXX. The XXXX charge had a dispute charge pushbutton under the detail. I selected it and the charge was removed from my account. The XXXX XXXX XXXX detail did not have the dispute pushbutton.
XX/XX/XXXX I contacted Citi via their online chatbot.
Indicated to bot that the {$50.00} charge was fraud and asked them to cancel the card.
XX/XX/XXXX Was transferred to live chat with XXXX.
XXXX response : Please dont worry. The advisor you spoke to has taken care of the account.
XX/XX/XXXX Saw that the {$50.00} charge was still on my account.
Contacted Citi via their online chatbot.
XX/XX/XXXX Was transferred to live chat with XXXX.
XXXX response : I have checked your account and see that the dispute was already filed for this transaction and credit was applied to your old account and the credit will be transferred to your new account within few business days.
XX/XX/XXXX Saw that the {$50.00} charge was still on my account.
XXXX Citi via their online chatbot.
XX/XX/XXXX Was transferred to live chat with XXXX.
XXXX response : I am so sorry. In most cases a security credit for equivalent charge will be provided in 14 days from the date of reporting. But in your case, it has been longer. The dispute and credit will be handled by Security team and I am attaching their contact number. You can get in touch with them to track the status of dispute. The number for our Security team is XXXX XXXX XXXX XXXX. This department is available Monday-Friday XXXX EST.
I placed a call to this number while I still had XXXX engaged through live chat. I was only able to access a useless recording.
My response to XXXX : Well, that call was a waste of time. Recording says that it may take up to two billing cycles to remove. What gives?
XXXX : OK, let me provide you the best solution here. Please allow me a moment. I have sent a referral to disputes team to look into it. Dont worry it wont take 2 billing cycles. It should be done in a week ( maximum ). If the credit does not appear even after a week, you can email us.
ME : Thank you, XXXX. What email address should I use?
XXXX : The email address is XXXX. Please include merchant name, charge value, date and reason of dispute.
XX/XX/XXXX Received a document, posted to my account, saying that the dispute has been closed and confirming that I no longer disputed the charge.
XX/XX/XXXX Responded to XXXX with the following message : Good morning. I have been attempting for several weeks to have a fraudulent charge removed from my XX/XX/XXXXCard.
The charge of {$50.00} was made XX/XX/XXXX, a XXXX Swipe to XXXX XXXX XXXX Ice Cream. I DID NOT MAKE THIS CHARGE NOR DID I AUTHORIZE IT. On the same date, your fraud unit alerted me via text of a fraudulent charge to XXXX something. I responded to the text that the charge was not mine. It never appeared on my account. I went online immediately and found two other fraudulent charges. One was for XXXX XX/XX/XXXX. I clicked on the item and disputed it ; it has since disappeared from my account. The other, the above referenced XXXX XXXX XXXX charge, did not have the Dispute button under item details. I did an online chat. The old card was cancelled and a new card was issued, but the fraudulent XXXX XXXX XXXX dispute transferred to the new card. I have since chatted with your online Bot and customer service reps several times. The most recent was with XXXX on XX/XX/XXXX at XXXX. He assured me that the charge would be removed. But TODAY, I received a Resolution of Dispute message saying that I no longer disputed this fraudulent charge. THIS IS INCORRECT! I did NOT make this charge. I did NOT authorize this charge. I INSIST THAT IT BE REMOVED FROM MY ACCOUNT!
XX/XX/XXXX I telephoned the fraud line at XXXX XXXX XXXX XXXX. XXXX (? ) assured me that resolution was forthcoming.
XX/XX/XXXX Received a response to my email.
A quick update on your dispute. We wanted to provide you with an update for your {$50.00} dispute with XXXX XXXX XXXX XXXX XXXX VT. Since you reported the card number used for the disputed transaction lost or stolen, we forwarded your information to our Security Department for further review.The assigned Security Associate will contact you if they need additional information.
MY NOTE : The card was not lost or stolen. It never left my possession. The transaction was fraudulent. I do not know how my account number was retrieved by the fraudulent party.
XX/XX/XXXX Saw that the {$50.00} charge was still on my account. Contacted Citi via their online chatbot.
ME : Have been attempting to dispute a fraudulent charge for many weeks now. Still appears on my account. When I click on Dispute Charge, get this msg : Were very sorry were having technical issues. Please try again. We apologize for any inconvenience and appreciate your patience. [ XXXX ].
The chatbot connected me to representative XXXX.
XXXX : Hi, hope you are doing well. Welcome to Citi Live chat. We appreciate the opportunity to provide your banking services. I got your query. I will be happy to check it for you. Please allow me a few moment to review your account, your patience is highly appreciated. My goal is to satisfy all of your financial needs. Can I have the amount of the charge you are referring to.
ME : Thank you. The charge is {$50.00}, Posted XX/XX/XXXX for XXXX XXXX XXXX.
XXXX : I have got your query. Let me go ahead and check that for you. Please allow me a few minutes while I review your account. // Thank you for your patience. As I can see the the charge is on the old card and it is flagged on the old card, and that is the reason you are not able to dispute it on the new card. This charge is under the investigation and disputed the charge. Citi has initiated a dispute on this and we are looking into this. Do not worry about the available credit, Citi will post a security credit and it takes a few days to be posted to the account, as it is the investigation so that is the reason it is taking time [ sic ]. Please do not worry. Citi is here for you and will put all efforts yo get your funds back [ sic ]. Once the dispute is resolved in your favor the security credit will be posted as permanent credit. Please be rest assured!
XX/XX/XXXX The only outstanding amount on my card is the {$50.00} disputed charge. It is still showing on my account, so I placed another call to the fraud line at XXXX. Spoke with a young lady whose accent was so heavy we had serious difficulty in communicating ( I had to spell my name numerous times. ) She requested the account number of the bank account I use to pay my bill online. I had to answer a security question as well. I finally asked to be transferred to a supervisor. The supervisor reviewed my account, said she could not determine why this dispute had not been resolved and thought the best remedy would be to cancel the card that had been issued to replace the card that was used for the fraudulent transaction.
XX/XX/XXXX New card has been issued AND THE FRAUDULENT CHARGE WAS TRANSFERRED TO THE NEW CARD. I am being billed for the fraudulent amount plus late fees and interest. I am receiving text messages from Citi about my missing payment.
I have contacted Citi nine times concerning this fraudulent charge. It still remains on my account. I have been a Citi card holder since XXXX. Never had an issue until now.
What can I do to resolve this matter?
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX XXXX XXXX
|
| 01/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I first contacted Citi bank back on XX/XX/XXXX to try to block the merchant XXXX XXXX XXXX from being able to debit my account as I had been trying for 2 weeks prior to unenroll myself from their automatic payments for a service. Once I realized that XXXX XXXX XXXX wasnt going to try to help me I decided to go straight to my bank for assistance. On XX/XX/XXXX I called in and spoke with an agent and I explained to them what was going on and that I needed to block the merchant. The agent apologized for my experience with the merchant then proceeded to inform me that he did whatever needed to be done to block the merchant from being able to make any future transactions. I then thanked them and hung up. I then proceeded to call back within the first 2 weeks of XXXX because when I was reviewing my bank account, I noticed that there was the 2 changes from XXXXXXXX XXXX XXXX one in the amount of {$300.00} and a second in the amount of {$560.00} that had posted to my account. I called in because the transactions had posted and I needed answers as to what did I do wrong for this to have happened. I spoke with a different female agent who when I explained what happened, proceeded to try to skirt around any accountability from Citibank and instead kept trying to reroute my call to the claims department. When I noticed how I wasnt being given any proper explanation as to what happened and why it happened, I decided to ask the agent point blank to stop trying to skirt the issue and answer my question which was did the previous agent who assured me he had taken care of it actually follow proper protocol to complete my request? Yes or No? to which the agent tried again to not accept any responsibility on XXXX part and again tried to redirect my call to dispute. I did interrupt her and said Stop dancing around my question. I need an answer yes or no? Finally after the agent realized that I would not drop it she finally answered that no, the agent did not follow protocol. Once I received the verification, I needed I then allowed for my call to be transferred so that I could now get this issue resolved. Upon speaking with my first claim agent, I explained to him everything that happened including the mistakes made by the first customer support agent as well as the lack of accountability from the second agent I had just spoken with. I proceeded to also ask the claims agent to please explain to me what needs to happen in through and to inform me of any additional steps that I may need to take so we can finally get this resolved which he did. He did make sure to explain to me that I need to make sure to keep an eye on my mail as Citibank might send me correspondents requesting additional info so that they can investigate and resolve the issue. I then thanked the agent and hung up. The next time I called back into Citibank regarding my case was back on XX/XX/XXXX as I had received a letter from Citibank regarding a debit card that I did not have. When I called in the agent that I spoke with told me that upon checking the system he did not see any notes as to what that letter could be in regard to. When I asked him can he double check to see if perhaps it could be referring to my case/dispute as maybe it was referring to the debit card that had been closed out, he said that there was no way for him to see the numbers of any previous cards I had. He assured me that he checked my file and notes thoroughly and that there was nothing needed from me at this time. He even advised that the letter couldve been a scam so to just ignore it. XX/XX/XXXX I received a letter from Citibank saying that because I failed to respond to previous requests for more information regarding my dispute that my case was being closed and the credit that had been given to me was going to be debited to my account. I was obviously very confused and upset so I called in and was finally able to speak with a supervisor by the name of XXXX who informed me that I was told incorrect information during my last call on XXXX and that Citi had in fact reached out requesting more information and that he didnt understand why that agent failed to inform me of that and instead told me there was nothing needed from me. XXXX stated to me that the letters are right here in your file so there was no reason for that information to have not been available to that agent when you called in.
He shouldve informed you. After my conversation with the first supervisor I proceeded to provide all the information requested of me and I faxed in the dispute letters needed. I called the bank again to verify that my letters were received and I got verbal confirmation that they were. I was then told that my case would be escalated and would be resolved in 5-7 business days. I waited the allotted time frame and then proceeded to call Citi back to ask for an update as my account was still overdraft. I was then told by a different supervisor in the dispute team that I was given incorrect information again and that it would take 14 business days. So I waited again and called back and was told again that I was told by yet another supervisor that it would actually take 90 days to process. I was obviously upset but agreed that I would wait the needed time. I proceeded to call back XX/XX/XXXX as that was when I was told to follow up and was told by another supervisor that there was no update however, she had escalated it to get me a response within 2 days. I had asked if there was a way for them the back office to let the front office know that the reason for my account being overdraft was due to Citibank 's own error, however I was made aware that they do not not have interdepartmental communication so that it was on me to let the front office know. I had advised that supervisor that I really needed a speedy response as my account was set to be closed on XXXX COB due to being over drafted. She understood my urgency and let advised she would call me back. She called back that same week and told me she confirmed that the credit in the amount of {$560.00} was approved and that I would be getting a letter confirming that, the only issue was that it was set to be credited to my account on XX/XX/XXXX which would be too late as my account would be closed on XXXX COB. She had advised me that she was trying to get her leadership to do a manual override and have it credited to my account on XXXX so that my account wouldn't be closed. I was however advised by multiple associates at Citibank that in the even my account would be closed before Citi finished their investigation, that it wouldn't be an issue as a check would be issued and mailed out to my place of residence. On XX/XX/XXXX I received a letter in the mail that my account was closed due to the extended overdraft. On XX/XX/XXXX I received a letter dated for XX/XX/XXXX that my dispute was resolved and closed in my favor and that I would be getting the credit in the amount of {$560.00} posted to my account. Since my account was closed I called the bank again to ask for a time frame of when I would receive this check. The new agent I spoke with told me that they were waiting on their processing department to process the issuing of the check and to please give them 7-10 business days. I waited the allotted time and my check has never arrived. In the time since XXXX of XXXX I have contacted Citibank numerous times via phone calls & via social media. Each and every single time I am told numerous conflicting information. I have been told my check has been issued and mailed, I have been told there is no update on either of the 2 disputes I have filed with them, I have also been told that all supporting information has not been received by them and I have also been told that " sorry we have no answers for you, please continue to be patient ''. I have been extremely patient with them since I first contacted them in XX/XX/XXXX. I feel as if I have done everything I can possibly do and I need assistance.
|
| 10/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Servicemember |
|
To whom it may concern, I previously attempted to notify CITI via the CFPB of various violations and errors of federal and state statutes, the cardmember agreement, and the MasterCard Dispute Resolution Guide. The vast majority of the complaints and issues brought forth were ignored, however, as were all of the supporting documents I provided. To prevent this from occurring again, I will break the complaints up into smaller sections so as they can be individually addressed instead of being ignored.
Additionally, you should already be aware I am covered under the Military Lending Act, which provides additional consumer protections to me while placing additional legal requirements upon CITI. This includes additional notices and documents CITI must provide, as well as the additional timeline which CITI must abide.
I previously filed a complaint regarding the following charges which I submitted billing disputes for which CITI mishandled : {$620.00} XXXX XXXX charge billed to my previous account ending in XXXX on XX/XX/2020.
{$180.00} The Home Depot charge billed to my previous account ending in XXXX on XX/XX/2020.
However, the response CITI provided was deceptive, inaccurate, and failed to account for the violations and errors made by CITI while handling these billing disputes. I assume CITI did this to avoid taking responsibility for its legal and contractual obligations regarding billing disputes.
The {$620.00} XXXX dispute, was filed as my reservation with XXXX was guaranteed to be available as a XXXX XXXX XXXX. When I attempted to pick up my guaranteed vehicle XXXX failed to have a car available to fullfill their obligation as outlined in the guaranteed reservation or the XXXX XXXX XXXX Agreement and Terms of Service. I submitted to CITI the reservation ( invoice ), my XXXX XXXX XXXX Card, XXXX XXXX XXXX member agreement, terms of service, and a photo of the upgraded vehicle ( including the displayed signage related to the upgrade status. ) The XXXX XXXX Terms of Service indicate I can pick an upgraded premium vehicle for an additional $ XXXXday. However, because the only available car was an upgraded one I should not have been charged per the terms of service and XXXX customer Service Department.
Per the MasterCard Dispute Resolution Guidelines, the following is a requirement to validate a chargeback : The cardholder engaged in the transaction The cardholder contacted the merchant, or attempted to contact the merchant, to resolve the Dispute The merchant refused to adjust the price, repair or replace the goods or other things of value, or issue a credit And the following : The merchant did not honor the terms and conditions of the contract with the cardholder including, but not limited to, 100 percent money-back guarantee, written promises, or return policy.
Engaging in the transaction and the merchant refusing to adjust the price are requirements of a valid chargeback. However, in a response dated XX/XX/2020 CITI rejected the billing dispute stating : We are unable to assist you with your dispute since you accepted and used these services with the knowledge, they were not what you originally agreed upon. This represents a clear UDAAP, MLA, and FCBA violation, as well as a violation of the member agreement.
The required documentation to validate and proceed with the chargeback as outlined by the MasterCard Dispute Resolution Guidelines are as follows : Cardholder email, letter, message, or completed Dispute Resolution Form Cardholder Dispute Chargeback ( Form 1221 ) describing the cardholder 's complaint in sufficient detail to enable all parties to understand the dispute.
Optionally, documentation that supports the cardholder 's dispute including, but not limited to, the original receipt, invoice, work order, brochure, contract, or appraisal.
In a letter dated XX/XX/2020 Citi states the following : We have to provide certain information to the merchant 's bank to prove a charge is invalid within 60 days from the post date of the charge. While we can understand your desire to obtain a credit, we can not mandate that the merchant issue a credit. We needed a copy of the receipt, invoice or sales slip that shows you should have been billed a different amount. This is yet another clear UDAAP, FCBA, and MLA violation. The dispute was originally filed within one week of the charge posting to my account. Any failure of CITI to submit it to the merchant 's bank remains the liability of CITI alone. Additionally, Citi stating We needed a copy of the receipt, invoice or sales slip that shows you should have been billed a different amount is extremely deceptive and abusive. As previously stated above and verified by the MasterCard Dispute Resolution Guidelines, CITI was already in receipt of all the documentation required to file the chargeback. Claiming otherwise would represent an abusive and face statement. CITI requiring only a limited few documents which I was never provided, and which are optional according to MasterCard only adds to CITIs violations.
Additionally, CITI is legally obligated to provide me with the response from the merchant as well as all documents submitted and used in the course of this billing dispute. CITI has been repeatedly notified of its failure to provide me with documents of almost every billing dispute, yet has failed to correct its error, which is yet only one more violation.
In regards to the Home Depot billing dispute CITI made the following deceptive and abusive statements : The merchant declined our request for credit and provided a receipt showing {$92.00} was refunded to your account, which appeared on your XX/XX/2020 statement.
The merchant refusing to adjust the price, repair or replace the goods or other things of value, or issue a credit is a requirement according to the MasterCard Billing Dispute Guildelines. CITI claiming the merchant refusing to provide credit as the basis for not proceeding with a billing dispute or chargeback is highly deceptive and abusive. This statement also fails to absolve CITIs obligation under federal or state statutes.
We sent you a letter dated XX/XX/2020 requesting that you provide documentation by XX/XX/2020 proving the merchandise was returned in accordance with the merchants terms and conditions. Because we did not receive valid proof, we are unable to further assist through the dispute process. You will need to contact the merchant directly or seek other means to obtain a credit if you wish to pursue this further.
CITI received all required and signed documents, as well as optional documents including the original return receipt and the return refusal receipt. MasterCard states a merchant failing to honor the terms and conditions of the contract including return policies as well as the cardholder returning the goods or informing the merchant they were available for pickup as a valid basis for a billing dispute. CITIs claim of a failure to receive any proof to support the billing dispute is false and a deceptive act. Additionally, no documentation was ever provided by CITI regarding this billing dispute, despite their legal obligation to do so. CITI has been notified of this multiple times and failed to correct this error on their part.
CITI routinely fails to properly review provided documents regarding billing disputes or investigate these disputes as required. More often than not, CITIs claims and responses are further examples of their unfair, deceptive, or abusive acts ( UDAAP ). UDAAPs are illegal, according to the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Under FCBPA and MLA Citi is obligated to adequately process and follow any billing errors or disputes they are notified of. While the requirements to process and validate chargebacks are outlined in the MasterCard Dispute Resolution Guide. CITI routinely violates these obligations and fails to adhere to the correct outlined chargeback processes.
|
| 08/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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On XX/XX/2023, while reconciling my Citi Double Cash credit card statement ( statement date XX/XX/2023 ), I noticed a charge for {$540.00} for XXXX XXXX that neither my wife nor I recognized/authorized. The credit card statement line item included a flight ticket number, so I contacted XXXX XXXX. The customer service agent stated that a one-way ticket had been purchased by/for a XXXX XXXX from XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/2023 for travel on XX/XX/2023 ( see attached electronic receipt ). This ticket was fraudulently purchased using a virtual credit card number on my account ( i.e., not using the physical card itself ).
The same day I noticed the fraudulent charge ( XX/XX/2023 ), I deactivated the virtual credit card number that was used in the purchase, and contacted Citi to inform them of the fraudulent charge. After being passed around between multiple fraud department agents, I was told a case was being opened to investigate the fraudulent charge and that a temporary chargeback would be placed on my account while they initiated and conducted the investigation.
Following up two days later ( XX/XX/2023 ), I noticed that the temporary chargeback had not been applied to my account, so I called Citi again. After speaking with multiple agents, they eventually opened a case, provided me with a case number ( XXXX ), and applied the temporary chargeback.
On XX/XX/2023, I received an email from Citi stating that they were reaching out to XXXX XXXX for more information as part of their investigation.
On XX/XX/2023, I received an electronic letter in my online account from Citi ( dated XX/XX/2023, see attached ) stating that they had denied my fraud claim, because XXXX XXXX stated that a ticket had indeed been purchased and used by someone ( supporting information provided by the airline attached ). It appears Citi erroneously told XXXX XXXX that I had made my claim because a ticket had not been provided/used, instead of telling the airline that the ticket had been fraudulently purchased. As a result, XXXX XXXX requested that Citi reverse the chargeback, which they did.
On XX/XX/2023, I called the Citi security department to explain that there had been in error in which my claim had been categorized and investigated, and that they needed to re-open this investigation properly as a fraud dispute ( not as a billing dispute ). I was told by the agent that this would be done. My existing physical credit card was deactivated, and I received a new account number. The same day I received an email that my fraud dispute claim had been received by Citi.
On XX/XX/2023, I received an email and an electronic letter in my online account stating that my claim had been forwarded to the Citi security department for further review, that my fraud dispute had been re-opened, and that I could monitor the status of the dispute online.
On XX/XX/2023, I received an email from Citi notifying me that I had a new letter in my online account regarding this dispute that required action on my part. However, no new letter was present in my online account.
The next day ( XX/XX/2023 ), I called the Citi security department to follow up. The agent notified me that the letter I was supposed to have received the previous day was related to the billing disputes department ( not the security department ), and transferred me to that department. The billing disputes person said ( 1 ) the email I received on XX/XX/2023 may have been a duplicate communication from XX/XX/2023, ( 2 ) that this case will be handled by the security department ( not billing disputes ), ( 3 ) that she spoke with multiple security department agents ( including at least one supervisor ) while I was placed on hold to confirm that the case was, in fact, being transferred to the security department, but that it has not been fully transferred/opened yet, ( 4 ) that it may take up to one billing cycle for the Security department to re-open the case, and ( 5 ) if I dont receive any communication in the next 2-3 weeks, I should call the security department again to follow up.
On XX/XX/2023, I contacted the security department again. As was initially miscommunicated to me on XX/XX/2023, the agent said my dispute was supposed to be an issue with the billing department. I said that I had gone through this same conversation a month ago, and that the case was supposed to have been re-opened by the security department. After more clarification from me, the agent said ( 1 ) they will be opening a new investigation, ( 2 ) that they will need to contact XXXX XXXX again, because the fraud department asks different questions than the billing disputes department, ( 3 ) that I will be notified when a response from XXXX XXXX is received, ( 4 ) that I should give them a week to investigate before following up, and ( 5 ) that Citi is prioritizing this investigation. At this point I still didnt see this fraud dispute showing up in my online account.
On XX/XX/2023, I contacted the security department again. The agent again miscommunicated that this was supposed to be an issue with the billing department. I explained that they needed to review notes from my previous calls. They said they reviewed the notes, and said that they will open up an investigation. I asked why an investigation hadnt already been opened given the several previous calls where I had been told the same thing. They said they would forward this information to the investigator. I asked why I didnt see a fraud dispute listed in my online account. They said they would take care of this and it would be updated in 24-48 hours. I asked why a new chargeback had not been applied to my account. I did not receive a meaningful answer, although again they mentioned 24-48 hours to see an update. I asked specifically - would I ( 1 ) see the fraud dispute listed in my online account in 24-48 hours, and ( 2 ) would I have a new chargeback applied to my account in 24-48 hours. The answer they gave to both was yes.
On XX/XX/2023 ( today ), I received a physical letter from the security department ( dated XX/XX/2023, attached ) that my dispute has been closed. It states that I accepted responsibility for the disputed charge when I provided my account number for the transactions somehow implying that I willingly gave my account number to the person who made the fraudulent charge. It also states that the charge will remain on my account ( I already had to pay the charge in full in a previous billing cycle due to delays associated with this dispute ). No additional information was provided regarding the investigation. Even today, there is nothing in my online account to indicate that I made a fraud dispute no case number, no updates, etc.
Additional clarification : I am not familiar with any XXXX XXXX in the XXXX, XXXX XXXX. Although the XXXX XXXX supporting information shows that my home address was used with XXXX XXXX name in conjunction with the ticket purchase, there is no XXXX XXXX residing at my address in XXXX XXXX - although certainly my address can readily be found ( /abused ) by internet search.
There are XXXX XXXX phone numbers ( XXXX and XXXX ) and two email addresses ( XXXX and XXXX ) associated with the ticket purchase noted in the XXXX XXXX supporting information that are not associated with me or my family ( nor any of our XXXX Airlines XXXX XXXX ) in any way.
The electronic receipt from XXXX XXXX indicates that a separate XXXX account number was used to pay for luggage fees an account number I do not recognize, and perhaps also used fraudulently.
Interestingly, according to the supporting information, it appears that when XXXX XXXX arrived in XXXX, they were not able to provide appropriate documentation to XXXX immigration authorities, and they were deported back to the XXXX the same day on another XXXX XXXX flight ( unrelated to my fraud dispute ).
|
| 03/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I disputed two separate charges on my credit card for a stay at XXXX XXXX. The stay was not as expected and the company refused to make right on the issues and only continued to push the blame on myself for issues during booking that we chose to leave the hotel early. I disputed the original charge for the hotel $ XXXX and a fraudulent {$100.00} damage. I had been refunded $ XXXX for an overpayment and a discount I should have received related to the {$97.00} charge which I clearly outlined in all of the evidence I sent Citi when I first opened the claim. And I say fraudulent damage charge because XXXX XXXX refused to call me back to explain the charges, I was actually hung up on by the front desk girl twice because I, rightfully, got angry about the charge. Citi did a very poor investigation the closed my dispute for damage citing that the company gave me a {$19.00} refund. This refund, from the get go, had nothing to do with this charge. They clearly took whatever response from the vendor at face value and never even bothered to look into the case! We did not cause any damage, furthermore, my credit card company who should have done a better job investigating for their customer did nothing. This is my response to the dispute to Citi to go into more detail as to what happened in the initial dispute : " XXXX. Please reference this ID in the subject line of your email XXXX.
This letter concerns the transaction described below made with card number XXXX : Date Amount Description XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX CT A copy of the merchant 's response is enclosed. We have investigated your dispute and found the merchant has credited your account {$19.00} on XX/XX/XXXX. Based on the information available, we have closed our investigation and reversed our credit. If you continue to dispute this charge please provide : The details and date of each contact made with the merchant and their response to your attempt to resolve this matter. Provide any documentation indicate that you have made an attempt to resolve your dispute with the merchant. Proof of what was expected versus what was received. Examples of proof would be a sales slip, certificate of quality, newspaper advertisement, or an itemized bill. Cardmember Signature _______________________________ Date ____________ I am shocked that I need to continue this dispute any farther. I provided a very detailed list of what occurred. That {$19.00} has NOTHING to do with this damage transaction that {$19.00} was refunded because I was overcharged with a {$97.00} transaction for my stay. This charge for {$100.00} is a completely unrelated bogus damage charge. I will be attaching AGAIN all of the information from this claim which I initially faxed over to XXXX as well. XXXX did an extremely poor job looking into this matter and I am reconsidering which credit card company I choose to use from this point on.
I was never made aware of a {$100.00} damage charge being applied to my account. From the start of my stay at XXXX XXXX I ran into issues. I have attached in much greater detail the events that occurred but will provide an abridged version here. Issues first arose when I had to book out hotel stay on the phone with XXXX XXXX, I told them I was staying XXXX adults, XXXX children, and XXXX dogs. As I always do when I stay at XXXX XXXX. I was later informed at checkout by the very rude un-attentive woman at the front desk that my account was never noted for dogs and began making a big deal out of the situation because our reserved room was on the second floor. Thinking this was convenience for me I reassured her we were fine on the second floor and was confused because as a dog friendly hotel with a XXXX dog maximum, of which I met the criteria, I failed to see the big deal. We were informed that NO OTHER ROOMS WERE AVAILABLE AND READY so we were told we were staying in the room we booked on the second floor. After a couple trips in the front desk woman stopped me to inform me we were moving. Clearly annoyed I had made several trips already I resisted but she told me I had no choice. I was further confused because maybe ten minutes prior I was told that we had no option but the second floor. When we finally moved I saw a room shottily put together and half the size of the one I booked and paid for! At this point I was livid and asked to speak with the manager. The front desk girl got off her personal cell phone long enough to attempt to call the manager then proceeded to book another clients room right in front of me. I asked again to speak with the manager and was assured that I would be getting a call that night. I never did hear back that night. At this point my issue was the fact the room was so small, I was being charged the same price for this smaller room. The fact that the bed was barely made and there was a dirty towel in the tub in the bathroom was a whole other issue that I didn't get the chance to voice my concerns about because I never got a call from the manager that night! The next day I spoke with the manager who refused to give us a discount for the room that we never booked and were paying for. She finally reluctantly gave us a discount THAT {$19.00} for the stay, NOT THE DAMAGE CHARGE I didn't find out about til later. The manager then started placing the blame on me saying she was doing me a favor I never told anyone I was coming with large dogs her hotel online says we need to call if we have dogs. That's all great but bottom line is I BOOKED MY STAY WITH XXXX XXXX OVER THE PHONE, I GAVE THEM ALL THE INFORMATION, THEY ONLY NOTED XXXX ADULTS, not the XXXX adults, XXXX children and XXXX dogs. I WAS NEVER INFORMED AS XXXX XXXX TO CALL THE HOTEL WE WERE STAYING AT, WHY WOULD I HAVE LOOKED ONLINE IF I WAS TOLD EVERYTHING WAS ALL SET FOR MY STAY? Very annoyed with how we were treated throughout the process we decided to end our stay. When we spoke with the manger, she knew we were thousands of miles from home, so she was clearly surprised and sounded very annoyed when I said well can I check out without getting charged. Knowing we were away from the hotel she gave me a very short, ridiculous amount of time to get out of the hotel room. We stopped what we were doing and went in and removed all of our belongings so we could find other arrangements. I found out when I returned home that I had a damage charge. I was never told with the numerous unpleasant encounters with XXXX XXXX. I am disgusted at the fact this company thinks, and are seemingly getting away with fraudulent charges thanks to citi 's poor investigation of the issue. My family and I were in the room just to sleep, I took all of our belongings. It is clear that this fraudulent charge is a way for XXXX XXXX to recoup some money because the manager attempted to call my bluff thinking I wasn't going to leave being so far from home.
I am responding to the letter online and can not see the claimed damage but I will let you know that I have record and attempted to contact the hotel several times to see what this " damage '' was in a chance to resolve the matter amicably but unfortunately I was repeatedly hung up on and the corporate could not see ANY reason for the charge when I contacted two weeks after the charge went through which I was told was not a normal occurrence it should have been noted. Whatever they are claiming was not done by myself, in fact the way we left the room was probably better than how it was given to us considering no rooms were ready at the time and they were CLEARLY not ready to move us to a different room. I have attached all the information I faxed over at the onset of this dispute. PLEASE REVIEW THAT INFORMATION as it details even further what occurred. " I have attached some of the evidence I initially supplied to show the conflict and explain why the company would feel the need to charge us {$100.00} when we did nothing.
|
| 10/24/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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When I discovered on XX/XX/XXXX that XXXX XXXX dollars from my Citibank Checking Account ending in XXXX, had XXXX transactions on XXXX XXXX for XXXX XXXX and XXXX for XXXX XXXX a total of {$400.00} sent to a XXXX XXXX. I did not call Citibank I went immediately to the branch located at XXXX XXXX XXXX, XXXX XXXX CA. Having had lost my phone 3days prior shopping at XXXX. I had thought my account may have been accessed thru the Citibank app. This was the first thing I had said when I walked in the Branch. Despite having a lock on my phone I did not rule it out. My phone was recoved a couple of days later and didnt appear to have been the case.
I was referred to the Asst. Branch Manager, I believe his name was XXXX ( Ive tried to call the branch to confirm, their calls are constantly forwarded to citibanks XXXX. ) he's a tall XXXX man early XXXX. He took me over to his desk and I sat across from him as he dialed Citibank phone support. He stated his name branch and what appeared to be some sort of Id #. I believe the first person he spoke to locked up my account, and then he was transferred to the dispute department. He spoke to them for a few minutes explaing my situation, then handed me the phone. I sat at his desk for about XXXX minutes. using his phone to file a report. I confirmed everything he said. I did not authorize these XXXX XXXX transfers, I do not know this person I have not given my account information to anyone or authorized anyone to access my bank account. When she had all the information she needed she stated to me : In 10 days you will receive a provisional credit, gave me the date of XX/XX/XXXX. She then asked me to hand the phone back over to the assistant manager. I watched as he reached across his desk grab his orange post-it pad and wrote down a number. When he hung up the phone, handed me that post it he just wrote on. He told me that this number was my reference number to the dispute I just filed. A provisional credit would be applied to my account because these charges were unauthorized, but could take up to 10 days before your account will show the provisional credit of {$400.00}. The number he wrote on that orange post it was XXXX. He then told me my account was locked. That nothing would be able to be charged to the account and I would have to open up a new one. The account would be closed after the investigation. That any money coming in would still be posted but I would have to come into the branch with my id to take it out. I sat there a half n hour waiting for a girl to come back from lunch to open a new account. That morning I would say all togather the time my daughter and I spent at the branch located at XXXX XXXX XXXX in XXXX XXXX was about 2 hours.
( I am being very specific because what happened next.+ XX/XX/XXXX th I checked my account the provisional credit was not issued, like I was told on XXXX XXXX so I called citibank support and spoke with a gentleman from the Dispute Department. He looked up my account he explained it was XXXX working days. He gave me a date XX/XX/XXXX confirmed that a {$400.00} Provisional credit would infact be applied to my account.
XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX 3 days before my last conversation with online support This letter was denying my case completely. The letter said I authorized these charges. Then I noticed because I did keep the post it in my new file with my new account papers. That the reference number XXXX listed on this letter was not the same as the post it note handed to me by the assistant manager. The Date I reported the incident was XXXX XXXX. This letter had the date I reported as XX/XX/XXXX. This is the date the transfers was made.
As irate as I was I did not waste my time and contact phone support, I went right back to the branch. The first available date I was able to do that was XX/XX/XXXX and a Saturday. Turned out to be a complete waste of my time. I was told that the department to issue my provisional credit was not open on the weekend. It wouldnt had mattered if they were open, because since I was helped by the Assist. Manager, She told me, I needed to speak to him. He was not going to be in till the following Monday. Not only was this completely frustrating This was very inconvenient to keep coming back to the branch. On XX/XX/XXXX I was involved in a hit-and-run accident and injured. Since the accident, I did not drive and relied on rides from others for transportation. So on Monday, XX/XX/XXXX I paid XXXX XXXX dollars for a ride to and from the branch located at XXXX XXXX XXXX in XXXX XXXX from my home at XXXX XXXX XXXX XXXX XXXX.
Monday, XX/XX/XXXX I once again walked into the branch located at XXXX XXXX XXXX for the third time regarding this incident, in XXXX XXXX. I walked in with all my paperwork and the Police Report I filed. I walked straight to the Assistant branch manager 's desk. I said to him : Remember me, I was in here a couple of weeks ago? I said : My checking account without my authorization {$400.00} was taken and sent to someone on XXXX? You helped me with the dispute department, getting my account locked up, and getting a new account? His response was : No! I dont remember you. I didnt know what to think. So, I pulled out the post it that he wrote my reference number on. Showed him and Told him : You handed me this post it. You told me that this was my reference number on it. He looked at it and said : That's not my handwriting. I pointed at his desk. I said : It's from that post-it pad right there on your desk. His response was : I see so many people, Im sorry I do not remember. I responded with : Well let me refresh your memory. I came straight in here when I noticed unauthorized activity on my account. You contacted the Citibank support spoke to them first had my account locked up. They transferred you to the Dipute Department you spoke to them a couple of minutes then handed me the phone. I sat here in this chair for 20 minutes filing a report. After I was done, they asked to speak to you again. I stood right in front of you, watched as you grab that orange post it pad and write down this number. He was shaking his head. I was shocked! I kept talking : When I asked you do I have to wait 10 days to have my account credited, you told me it probley wouldnt be that long. I opened up a new account, you had me sit right here for 20 minutes waiting for her to come back from lunch to do that. I spent about 2 hours 2 weeks ago in this branch. I told him : My locked account was accessed 2 days later and Im showing a negative {$2.00} debited for a non access atm. My provisional credit I was promised was denied with a different reference number and the wrong date I reported to the dispute department. You know what he said to me. He said : We dont handle Disputes in the Branch. That I needed to contact the Citibank XXXX number and he walked away leaving me standing there speachless.
I was furious. The whole ride in the car I was on the phone with the dispute department. They confirmed that they had both reports and told me, I would be getting a denial letter for the one filed on XX/XX/XXXX too. Which this date has never come in the mail. Gave me the option to esculate my issue, so I agreed to further the investigation. Regardless the process would take 60 days.
It has been over 60 days, and there is no record that was ever done. I believe that Citibank has violated their terms and conditions listed in their disclosures in regards to unauthorized charges. Not to mention the Consumer Protection Act. I want my {$400.00} that was taken out of my account. For all that I know my account was accessed from a breach on their end. I want it applied to the new account they had me open up which ends in XXXX. I will be including all documents spoke of.
I thank you for your help, and hope to hear from you soon.
XXXX XXXX
|
| 01/26/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I am the victim of identity theft. My checking account was compromised my computers and phones hacked and were used for unauthorized XXXX transactions on XXXX, XXXX, XXXX, XXXX, XXXX. I did not authorize any transactions on or after these dates, and I did not authorize anyone else to use my bank account in any way. My account has been handled with complete disregard by Citi bank and upon farther investigation into this matter you can see the facts of me calling and reporting unauthorized ACH transactions and nothing was done for me at that point. As a result I have been deprived of my wealth for months. I have made Citi Bank aware of my Identity Theft providing them with endless documents supporting my claim. This account was compromised due to fraudulent unauthorized activity. Citi Bank made no other attempts to keep my money secur. Bank allowed my funds to be withdrawn from my account to a XXXX transaction that I did not authorize then shortly after that locked me out of my account and denied me any information on my funds for over 60 days. I called over 45 hours desperately pleading and trying to find answers. I was hung up on and treated as if I was wrong for contacting them when asked to be transferred the calls would be disconnected. I am Disputing these charges and have demanded that Citibank comply with my request to refund the transactions that are fraudulent activity made through XXXX. This is lack of security from a bank that was so trusted.. This process I have endoured has caused me great loss and financial hardship. I have given over 100 hours of my life to this bank in regard to the improper handeling of my account. I the victim have been completely stripped of all rights and access to my funds. I feel disregarded and taken advantage of by Citi Bank. The lack of proper handeling in this matter has caused me outrageously horrible life events to take place and fall behind on my financial obligations and family affairs. inexcusable, unacceptable, poor customer service and countless hours on the phone in attempt to resolve this fraud. I lost access to my account in XXXX. No bank representative from Citi would provide me any information. I was told every day I had to wait 30-60 days to get a response. Ater 60 days of no information given I was still given the same response. Finally, I had enough and realized CitiBank was in no prospective trying to assist me in any way. The closest branch was over 3 hours away from my home and in another state.I had no choice but to travel to the branch to attempt to collect my funds. Upon arrival and hours of waiting for someone to assist me I was greeted by a banker who attempted to help me but had to contact the back offices at which point because of it being the weekend was very close to closing times. After him calling Citi and being on hold for hours with the back office and no answer I was asked to please come back another day and informed that the next available appointment was Wednesday. After months of not being able to retirieve any account information the banker was able to give me copys of my bank statement from XXXX and XXXX and upon reading those statements my heart sank and I was in shock. My account was missing over {$10000.00}. The banker could see in my face that I was upset and asked me why I was upset and I started pointing out the obvious transactions that should have been flagged for immediate fraud alerts. XXXX transactions among other chargers that were unauthorized. The six hours of traveling for attempt at resolution failed, I was now not only dealing with an account I had no access to but an account that was missing thousands of dollars and no one was willing to assist me. After I left the bank mysteriously I was able to finally start a dispute. The first dispute I filed was issued provisional credits in the amount of XXXX to my account that Citibank blocked I had no access to those funds nor was I made aware of the provisional credits u too after weeks of not getting any correspondence from Citibank. When I started to ask how I could retireve my balance I was instantly placed on hold and then told the funds were going to be reversed because the investigation was found to not be in my favor. Since then I have had to appeal the dispute theee times. The first three times I disputed these transactions I asked how I could provide information to help with the case. I know Citibank has to keep recordings on file. I was told by the people submitting my case that I did not have to provide any documentation that if anything was needed I would be contacted. Still no one has contacted me in regards ti the case other then denial letters in the mail. The last dispute appeal I filled they were 14 business days into the investigation and when I inquired about my funds I was told there was no answer. I called days later after not receiving any correspondence amd was told once again that this dispute was closed not in my favor. To my shock the investigators said that a device that was register to me was used. In my federal identity theft Affidavit it clearly states that I am victim of identity theft which has caused account take overs and hacker to access my accounts this includes but is not limited to my computers, cell phones and Wi-Fi services. And this information is included in the report if it was read along with the statements I made to customer service representative that works for citi bank. I have never been asked to provide anything to citi bank everything I send is volunteered in hopes that it will help. In any other situation this would be great supporting documents. After receiving the news I was very disappointed once again at at a loss of funds. I have once again resubmitted another appeal on XX/XX/21 and am overly worried the results will be the same, lack of communication and true investigation into what I send in to be the same, I feel helpless and this situation has physically, financially and mentally taken a burden on me. I feel since then in which I noted on my last appeal if you look in the notes. the representative who assisted l No one has attempted to reach out and make asked to discuss this case with me I was sent a check for XXXX for what remained in my account after the fraudulent transactions and Citibank closed my account. I attempted to open another one at least to maybe recieve provisional credits for my disputes and was denied. When inquiring about the denial of an account I am told it was due to the fraud department when the fraud department talks to me they inform me that they see nothing preventing me from opening an account. Citigroup and the employees have cost me my livelihood and deprived me of even my way of living. I want proper ramifications and action to be taken and for this to end. I would hope that this doesnt happen to other people but unfortunately During my personal experience and the research I have done I am just one of very many. This is happening ore often then I would have ever guessed. Please help me and help to insure that the next victim is able to be the victim and heal properly. I dont wan na see anyone else or there familys have to suffer because of lack of proper account handling. CitiBank please Take accountability and make this right! this should have stopped when I reported the first Fraudulent ACH TRANSFER that I immediately reported and did my part as the consumer. I would also like to fully understand why I am now no longer allowed to have an account when I did Nothing to break any terms or conditions. I would assume a bank would have empathy and compassion for someone dealing with this tragedy. It has spireled out of control and I have even had to relocate due to safety. My personal information was posted on a website along with my physical ip adress and person identification card that is government issued.
|
| 08/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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Citicard was grossly negligent and failed to protect my account against fraud, and then was negligent in properly investigating and ruling on 1 of 2 identical fraudulent credit card charges from the same vendor, on the same day, for the same amount. They refunded 1 of the 2 charges, but ruled " in favor of the merchant '' for the other.
On my XX/XX/XXXX credit card statement for the period ending XX/XX/XXXX, there are XXXX identical charges with the transaction date and posting date of XX/XX/XXXX as follows : XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX TX {$60.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX {$60.00} This represents a total of {$120.00} in unauthorized charges on the same day from the same vendor.
I have never made or authorized a purchase at this company, are unfamiliar with them, and have never visited any of their locations.
On approx. XX/XX/XXXX I received the billing statement with these charges, and contacted Citicard by phone to advise them of this fraudulent, unauthorized activity. I provided details as stated here that the vendor was completely unknown to me and I had never visited them and it was impossible for there to be a valid transaction of any amount. Citicard advised me that the charges showed the " card was present '' at the time of purchase, and I advised them that it has never left my possession at my home in XXXX, Arizona where I was avoiding travel and local purchasing during the COVID19 stay at home orders.
I made three attempts by phone to Citicard to try to report and resolve these issues, and it was a comedy of errors - the agents barely understood their jobs, and no credit was issued. Eventually on my 3rd call I was transferred to a manager who was able to record my disputes apparently effectively.
On my XXXX statement, I noticed two credits for these disputes, however their descriptions were surprisingly different : XX/XX/XXXX CONDITIONAL CREDIT FOR DISPUTED ITEM XXXX XX/XX/XXXX CREDIT FOR DISPUTED ITEM XXXX I then received a letter dated XX/XX/XXXX from Citi with the headline " ACTION REQUIRED - PLEASE PROVIDE THE INFORMATION REQUESTED BELOW ''. The letter advises that more information is needed ( yet asks the same questions I answer in detail already via telephone ). I completed and signed the form and checked the box indicating " This transaction wasn't made by me or anyone allowed to use this account ''. The letter advises that the completed letter by scanned and emailed or faxed to " XXXX '' by XX/XX/XXXX. I emailed the scanned document to this address on XX/XX/XXXX, and also faxed it to the provided fax number of XXXX.
XXXX XX/XX/XXXX I received an email notification from Citicard that my dispute of {$60.00} has been ruled in favor of the merchant, and a charge of {$60.00} has been charged back to my credit card account.
I immediately called Citicard about this outrageous and invalid ruling. Their telephone system 's interactive voice response system is designed to prevent customers from reaching a live agent without great difficulty and effort. It frequently drops calls. Today I initially spoke with Citicard employee " XXXX '' and advised I required a supervisor. I was transferred to " XXXX '', a fraud department supervisor, who could not help. She transferred me to the Security Operations Department where I spoke to " XXXX ''. XXXX provided a confusing and elaborate story about internal Citi processing steps and explained that one of the disputes was considered a " regular '' dispute and the other was considered a " Fraud '' dispute, but did not know why especially since they occurred on the identical day, for identical amounts, from the identical merchant.
XXXX advised I needed to speak to a supervisor in the " Billing Support '' team and was transferred again to " XXXX '', who then transferred me to a supervisor identifying himself as " XXXX ''. A few moments into the call there were a series of loud clicking noises, and then XXXX began to repeat " are you there '' & " can you hear me ''. I continued to speak but he either could not hear, or feigned that he could not and the call disconnected. I called back and spoke to " XXXX ''.
I advised XXXX of the situation, and that ruling in the favor of the merchant was invalid, the charges were fraudulent, and that the investigation was mishandled. XXXX spoke to another individual who confusingly, and incorrectly disagreed that I had been charged {$60.00}, and this was only the reversal of a duplicate extra temporary credit that I am not out {$120.00}. I explained that the math is incorrect and walked him through each transaction as follows : XX/XX/XXXX Fraudulent charge of {$60.00} [ charge ] XX/XX/XXXX Fraudulent charge of {$60.00} [ charge ] XX/XX/XXXX CONDITIONAL CREDIT FOR DISPUTED ITEM XXXX [ credit ] XX/XX/XXXX CREDIT FOR DISPUTED ITEM XXXX [ credit ] XX/XX/XXXX Notice of ruling in favor of merchant XXXX [ charge ] The sum of these transactions is {$60.00}, charged against my credit card account. The math is very easy : 3 charges of {$60.00} and 2 credits of {$60.00}. Citcard has kept {$60.00} of fraudulent charges and allowed the merchant to keep the fraudulently acquired funds.
I advised the agent that after all of the effort I have made to resolve this issue that they should have prevented from happening, I required an escalation to management and a resolution of this error today. There were unable and unwilling to do so to my satisfaction.
Today I contacted the merchant, XXXX XXXX XXXX XXXX in XXXX Texas and advised them of the situation, speaking at length to their manager " XXXX ''. they have two locations in XXXX, TX owned by the same franchisee. The manager states that they are unaware of any dispute, have not received any notification from their merchant service provider or Citicard that these disputes even exist. They also advised that since they do not have a credit card " chip '' terminal, and can only swipe cards, they automatically lose any dispute they contest.
Therefore, I believe Citicard did not follow procedures to investigate both disputes, notify the merchant, yet rules in favor of the merchant even though the merchant filed no response to the disputes.
Therefore, Citicard is in fact negligent in failing to detect the fraudulent activity and protecting me, and further grossly negligent in failing to responsibly handle the dispute resolution process. Their finding in favor of the merchant is IMPROPER, INVALID, and is likely to violate Federal Law regarding credit card dispute resolution.
I advised Citi 's agent XXXX on XX/XX/XXXX that I require permanent closure of this Citicard account, blocking all future charges including recurring charges, and the account should be permanently closed and block and will not be reopened. I paid the full balance due less the {$60.00} invalid, fraudulent charge which I dispute against CITICARD/CITIGROUP, not XXXX XXXX XXXX XXXX, for their grossly negligent and deficient handling of this otherwise simply, routine issue.
I demand Citicard/Citigroup be forced to refund the invalid {$60.00} in charges, and be prevented from any negative consumer credit reporting. If they do report any adverse credit information to any credit bureau, they be forced to completely remove the false, negative information. Further, Citigroup should be fined for failing to follow reasonable steps to protect consumers from fraud, and to remedy these issues when timely provided detailed and accurate proof. The CFPB should investigate the likely pattern of behavior any reasonable person would infer from Citi 's handling of this simple consumer protection issue, and if not authorized by Congress to perform this investigation, refer the matter to the U.S. Attorney General, Federal Trade Commission, Office of the Inspector General of the Department of the Treasury and/or Congress
|
| 05/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
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I filed a dispute with Citi Cards ( CitiBank ) on XXXXfor a charge on my Citi Master Card credit card, for an amount paid to a merchant for work I found was never done at all on my XXXX XXXX XXXX. The dispute # is XXXX. This dispute with Citi has been an ongoing nightmare for me in the fact they have requested the same information and documentation repeatedly. I have sent the information and documentation to them as requested via USPS Priority Mail ( tracking # s available ), and I have also emailed the same documents and information to them at least 4 times.
In addition, I have tried to call the Citi Card Dispute Department seven ( 7 ) times and was only able to get a hold of someone in that department once on XX/XX/XXXX! I was on hold twice for more than an hour waiting for a customer service representative to transfer me to the dispute department. I have been disconnected on a regular basis when trying to reach the dispute department at Citi Cards. There is no direct telephone number for the credit card dispute department at Citi Cards ; however there is a direct telephone number for the banking dispute department! Citi Cards just told me this morning, XX/XX/XXXX, when I tried to contact the Citi Card Dispute Department once again. This is only part of the issue ; it is near impossible to get a hold of anyone in the Citi Card Dispute Department to speak with about the issues I have been trying to resolve with this dispute. I have spent hours upon hours trying to reach a person to speak with in the Citi Cards Dispute Department.
I was also provided with an email address when I filed the dispute for which to send documents and information. However, I received a letter from Citi Cards dated XX/XX/XXXX ( not received until XX/XX/XXXX ) that has an entirely different email address included in the letter for which to send correspondence and documentation! It is an ever changing game with Citi Cards ; I have continually received misinformation concerning this dispute, and City Cards has made numerous errors concerning this dispute all of which are, and have been, documented.
Based on the confusion and inconsistent information concerning this dispute, it appears that the Citi Cards dispute department has several different staff members handling the dispute based on the fact that I get different information, contradictory information, and have noted to them many errors they have made concerning this dispute.
The most significant error made by Citi Cards in this dispute related to 2 separate letters I received from them. The first letter I received is dated XX/XX/XXXX ( I received it on XX/XX/XXXX ) and Citi requests a signed document from a merchant with their opinion that the work was not done on my truck to validate my dispute. The deadline stated in this letter from Citi to get this document to them is XX/XX/XXXX. I mailed the signed document Citi Cards requested on Friday, XX/XX/XXXX via USPS Priority Mail. It is scheduled to arrive at Citi Cards on XX/XX/XXXX as noted on the USPS receipt/tracking document. It also required a signature from someone in the dispute department at Citi Cards because they continue to request information I have already submitted to them. A copy of the receipt from USPS is attached with this complaint which confirms the information I am providing is absolutely correct and true.
On the day I mailed the document to Citi Cards, I received yet another letter from Citi dated XX/XX/XXXX ( not received until XX/XX/XXXX at XXXX XXXX ) which states in the first paragraph ; Unfortunately, we are unable to resolve this dispute in your favor since we have not received the valid similar merchant opinion. This statement from Citi Cards directly refutes their own statement in the letter from Citi Cards dated XX/XX/XXXX, wherein the deadline clearly states to provide the document by XX/XX/XXXX! Citi Cards also threatens me in this 2nd letter that my account will be reported to three credit reporting agencies if it is not paid by the due date on my billing statement! First of all, the amount being disputed is not even on my current billing statement due on XX/XX/XXXX. Secondly, I am extremely outraged at the extreme negligence in how this dispute is being handled and the significant errors Citi Cards has made over the course of trying to resolve this dispute. I was given a deadline to provide the document of XX/XX/XXXX but then someone else at Citi Cards decided to send another letter stating they did not receive the requested document ( even though the deadline is not until next week ) with threats to damage my credit! I repeat, I mailed the documents Citi Cards requested on XX/XX/XXXX and they will arrive by the due date! Whoever sent this 2nd letter clearly did not read through the history of this matter or the conversation notes I had with a manager in the Citi Cards Dispute Department confirming the date the requested documents are due, XXXX. This is a serious matter that is laden with errors on the part of Citi Cards Dispute Department. There are other errors Citi Cards has made and I have emailed them addressing these errors.
I believe that Citi Cards Dispute Department is not reading through the documentation and information I have provided to them over and over again, otherwise there would not be ongoing issues with this dispute. Obviously different people in the Citi Cards dispute department are sending me letters that contain inconsistent and erroneous information that can ultimately damage my good credit. This is a blatant violation of the Fair Credit Reporting Act, and a violation of other federal laws that mandate the procedures in how credit card companies are required to handle credit card disputes.
I always pay my bills in full and on time and my current credit rating is at XXXX. I know this because I just applied for a different credit card as I will definitely close this one as soon as this matter is resolved. The people on staff who are handling this dispute are seemingly unaware of the laws that are supposed to be followed in handling customer disputes.
As noted by the manager I was finally able to speak with in the Citi Cards Dispute Department on XX/XX/XXXX, mail delivery in the United States is very delayed due to the coronoavirus. He stated this because I told him I just received the letter from Citi Cards that is dated XX/XX/XXXX on XX/XX/XXXX!!!
I am a senior citizen, but I am also educated, and I know enough to realize this dispute has been handled in ways that violate federal regulations concerning credit card disputes. Citi Cards has not done their due diligence in resolving this matter and most certainly have not treated me, the cardmember, in a fair and nondiscriminatory manner. Furthermore, it is almost impossible to get through to anyone on the phone in the Citi Cards Dispute Department as if there is no one working there on a consistent schedule.
They made up their mind on making a decision in favor of the merchant who failed to provide the goods and services that were charged to my credit care in the amount of {$1200.00} without even reviewing the documents they wanted and stated were due to them by XX/XX/XXXX. Today is XX/XX/XXXX and Citi made a decision to rule this dispute against me before their own stipulated deadline to receive the documents they requested of XX/XX/XXXX! Citi Cards is responsible for the ongoing mishandling of matters related to my credit card in an irresponsible manner since it was initially opened on XX/XX/XXXX. The actions on the part of Citi Cards go above and beyond violations of federal laws.
( Note : Documents are attached that prove the basis of my complaint against City Cards ; letter from Citi Cards dated XX/XX/XXXX, letter from Citi Cards dated XX/XX/XXXX, proof of documents mailed to Citi Cards Dispute Department on XX/XX/XXXX )
|
| 10/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
Servicemember |
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We made our credit card payment to Citibank on XXXX in the amount of {$6400.00}. The available credit in our checking account on XXXX was {$7600.00}. Please see the attached copy of my checking account statement. We also chave a " confirmation of payment '' from Citibank on XXXX that States " we received the {$6400.00} payment and credited the Costco Anywhere XXXX XXXX XXXX ''. It also goes on to state we have a remaining balance of {$0.00}. The confirmation number for this transaction is XXXX. A copy of this confirmation from Citibank is attached. I have also attached a copy of my credit card statement showing, on page XXXX, that a payment in the amount of {$6400.00} was credited to our account on XXXX.
On XXXX we received a text alerting us of a NSF transaction. We immediately called Citibank to see what this was about since we have never received an alert of this kind before. The XXXX at Citibank, XXXX, explained that apparently the payment we made on the XXXX did not go through because there were not enough funds. My husband then recalls making the payment on XXXX and then the next day transferring, funds he believed to be his paycheck back to our savings account. My husband knew Citibank had taken their money on XXXX so what he saw had to be his paycheck which he was expecting and was coincadentally around the same dollar amount. Apparently, after speaking to XXXX, we realized they did not in fact take out the funds on XXXX as the confirmation stated. They actually attempted to take the funds on the XXXX. XXXX said this was a matter of hours and there should not be a fee but if there is that it would or could be reversed. We thought that was the end until we looked at our account on XXXX and noticed they had posted a NSF fee in the amount of {$41.00} to our account. Once we saw this we called into the bank to let them know of our previous conversation with XXXX and how he had stated this fee would be removed. This is when what we thought would be a XXXX min. XXXX turned into the worst experience we have ever had with any company.
The first XXXX wet spoke with put us on a brief hold after we explained what had happened and what XXXX had told us on XXXX. She returned to the line to tell us she could not reverse the fee because it was not bank error. She did not care what XXXX had told us and stood her ground. So, I asked to speak to her supervisor. Again, I naively thought it would end here for sure but I could not have been more wrong. I spoke to XXXX and she stated the same thing as the previous rep. They refused to reverse the {$41.00} fee because it was a valid charge in their eyes. At this point I started to get really mad. This conversation has already taken longer than it needed to. I asked to speak to her supervisor. She said she was as far as I could go. I told her I know darn well you are not anywhere near the top of the food chain. I know, 100 %, that you have a supervisor I can talk to. She then, miraculously, produced her supervisor. This is when it gets even more ridiculous.
XXXX an officer of the bank as he called himself got on the phone. At this level, I was sure this was going to come to a speedy end. Nope, I was wrong again. XXXX immediately put me on hold to see what he could do. He came back and said there was no way he could reverse the fee. I am livid at this point. He has the audacity to tell me that if I wanted to escalate this further I would have to write a letter. So, he wanted me to waste more of my time writing a letter about a {$41.00} fee I was wrongly charged AND was already told would be reversed. I began to explain to XXXX the entire situation and how there was money in the account when it was paid and accepted by your bank. He told me that they tried to take the money on the XXXX but there was no money but when they tried a second time it went thorough. He said they will attempt it XXXX times. On a side note, I asked him why would you charge an NSF fee if the money goes through on any of those XXXX attempts? This is not right, I told him. He said it is because the bank charges Citibank each time they try to ping the account. He then told me if I could get my bank to write a letter stating it was their error and the money was indeed there on XXXX then they could reverse the fee. I told him that there is no way I am going to waste even more time going into my bank. The fact that I was still on this call was mind blowing. I flat out told him, numerous times, that I should have been off this call in XXXX minutes. I have been a customer for 17 years. I have always paid my bills on time and never once have had an NSF ( on any bill for that matter ). I also have always paid our bills off in full every month. I told him this fee should have been waived immediately without hesitation, as a courtesy, given my stellar history with your bank. That fell on deaf ears because he just continued to ramble on about how it was a valid fee. He could care less about my business. It does not affect his bottom line as a customer service rep.
Earlier in our conversation he had stated if I could get my bank to state that there were enough funds in the account on XXXX then he could reverse the fee. So, I said why dont you call my bank right now and ask them. He agreed and called XXXX XXXX. The first XXXX was XXXX. XXXX confirmed there was in fact {$7600.00} in the account on XXXX. However, XXXX began to change his tune and state that yes it XXXX have been pending but it did not clear until the XXXX. I told him if it was pending then that is proof there were funds when it was pinged. If there were no funds when it first pinged on the XXXX then it would have bounced then. I was beyond mad by this point. I told him that I had just met his requirements, that there were funds in the account when they pinged sit the first time and my bank just confirmed this. He just kept repeating how it did not clear on the XXXX though. He said some banks it clears right then and some it takes a few days. He then tried to tell me again to go into the bank and have them write a letter. I asked him what are these magic words you want to hear from them that will allow you to reverse this fee? He asked my bank rep if they had any branches in my area. There are no Citibank or XXXX XXXX branches anywhere near me. I then asked to talk to XXXX supervisor to see if we can get whatever it is XXXX wants to hear.
The supervisor at XXXX XXXX was XXXX. I began to ask for times these transactions were occurring. She said Citibank did not attempt to pull funds until XXXX at XXXX XXXX. She said they did not attempt anything on the XXXX. I found this very interesting because this entire time XXXX has said that they first attempted on the XXXX. Also, all my documentation states it was credited to my account on XXXX. XXXX then told us that we transferred out $ back to savings, thinking this was his paycheck and knowing he had already paid Citicard the day before, at XXXX XXXX on XXXX.
So, I told him then this actually is a bank error and he needed to reverse the fee. All my documentation shows it crediting on the XXXX but they didnt even attempt it until XXXXXXXX XXXX on XXXX. He still refused and continued to state he was the highest level I could speak to and if I had a further complaint then I needed to send it in writing. I also pointed out the fact that my bank did not charge me an NSF fee. XXXX said that is a good point and asked XXXX why that was. She stated I supposedly have an account that does not get charged fees. At this time it was clear to me that he was not going to reverse this fee regardless what proof I presented.
I told him I hope he gets reprimanded or fired for this. I spend XXXX hours and XXXX minutes on this call. That is XXXX hours longer than the call should have taken. So much for being a valued customer.
|
| 11/29/2023 |
Yes |
- Credit card
- Store credit card
|
- Getting a credit card
- Problem getting a working replacement card
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|
Web |
|
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Hello, My complaint is against Citibank Credit Card Division for Wayfair website business.
Last Thursday, XX/XX/XXXX, I was on Wayfair website trying to purchase an item which was on sale for XXXX XXXX.
I applied for Wayfair credit card, managed by Citibank trying to take advantage of a 0 % plan.
I was approved.
After applying, customers can see a message right after your application was successfully submitted. A reference number for that application and the telephone number of Wayfair to follow up.
I made the phone call to Wayfair to find out what was next. A female representative assisted me. I explained that I applied for the credit card, I was approved, and that I wanted to purchase the item that I had in the shopping cart.
Wayfair transferred my phone call to the Citibank Credit Card Division for Wayfair. A lady, from that division department, wanted to confirm if I applied for the credit card, I said, yes, and she authenticated my identity as well.
Congratulations on the approval! She said and asked me which of the two credit cards I want it. I told her that I did not know there was more than one. She answered that they both were the same, but the difference was that one plastic, Wayfair has the Master Card logo, and the other Wayfair does not.
What is the difference? I asked again. And she responded that with the Master Card logo, I could use it to purchase in different businesses besides the Wayfair website, and the one without a logo, only for Wayfair website.
I said, Ok, I want the one with the Master Card logo, then.
However, I asked the lady if I had to way until receiving the plastic to finish the purchase of the item that I had already in the Wayfair shopping cart. My concern was that the sale with the special price was going to finish XX/XX/XXXX.
The lady responded, No. you do not have to wait. In fact, within five or ten minutes, go to the shopping cart and you will see the credit card there and finishing placing the order.
I was busy. Therefore, after three hours or so, I went back to the shopping cart, and when I did not see any credit card appearing there. I called Wayfair, and I explained to a female representative what was going on. That representative told me that I could not see the credit card yet because the one with the MasterCard logo, does not appear in the system, right away, but the one without the logo, yes.
I told her, the lady representative from Citibank did not tell me so, and she even said that I just had to wait five or ten minutes to see the credit card and finish the purchase.
The female representative from Wayfair told me that the Citibank lady gave me a wrong information. And she apologized to me for the inconvenience that I was having.
Two hours later, I called Wayfair again. Yes, I had to explain again what happened.
Another female representative named, XXXX, genuinely, tried to help me. She told me she was going to call Citibank Credit Card Division for Wayfair to request a token ( a kind of number ), and with that token, she would see the credit card in my account with Wayfair and finish the purchase.
A male representative from the City Bank Credit Card Division for Wayfair, asked me a few questions to authenticate my identity. He was also willing to help, but in the end, the token that he provided to the female representative from Wayfair, was not working. Then, he asked me to call the next day ( Friday ) because the issue was going to be solved.
Next day, Friday, XX/XX/XXXX around XXXX XXXX., I made the phone call to City Bank Credit Card Division for Wayfair, and a male representative was the one assisting me.
After explaining everything including the token failure, I let him know that what I needed was to switch from the Wayfair with the Mastercard logo to the one without the logo because I could not wait a week to receive the plastic to finish the purchase. The XXXX XXXX deal will end by that time.
This male representative answered with an attitude tone that there was no way for the bank to switch the cards once the customer choses either one. So, You have to wait, Maam to receive the plastic within 7 to 10 business days. He spoke.
Thinking that by that time the sale was coming to an end, I asked the representative what about if I close that credit card and reapply again for the one without the logo? He responded that I could do so. The only thing was that I had to wait 24 hours to apply again.
I repeated, 24 hours? That means that tomorrow around XXXXXXXX XXXX, I can re-apply, and he said, Yes.
I asked him, Are you guys to run my credit report again.
He said, No, because we already did it. You just need to re-apply and we are going to attach the new application to the existing one.
Ok, let us do that. I spoke.
He asked me for permission to close the card and I granted it.
Next day, Saturday, XXXX, late evening, I went to Wayfair website, trying to reapply for the credit card. However, the website was not allowing me because for the system I already had a credit card.
There was nothing that I could do because it was already Saturday night, and the next day, Sunday, when I remembered to call a representative of Wayfair, it was more than XXXX XXXX, and any of them were working until Monday morning.
Monday, XX/XX/XXXX, the last day of the sale, I called Citibank Credit Card Division for Wayfair. A male representative was assisting me. After explaining all the story, he recommended calling Wayfair and asking them to close my existing account on their website. Likewise, I could create a new account and reapply for the credit card.
I did it. But the female lady from Wayfair recommended me not to close the existing account because I was not going to see my shopping history anymore.
I told her that I had a second email, and I was creating an additional account with that email.
I re applied. I received a different reference number. However, because the system recognized my SS # and my address, even though I was using my second email, I received a message that I had already a credit card and prompted me to call a representative.
I called Citibank Credit Card Division for Wayfair one more time.
A female representative assisted me. I told the story. And to my big surprise, that representative said Oh! I do not know why people give incorrect information. Whoever told you that you could close the credit card and re-apply within 24 hours, did not know what was saying. Customers, must wait 30 days to re-apply.
I was in shock. I could not believe what I was listening to.
I told to the representative, THAT I TRUSTED TO THE INFORMATION THAT GUY ON FRIDAY XXXX, AROUND XXXXXXXX XXXX. TOLD ME. IF IT WAS TRUE, THAT YOUR BANK RECORD ALL PHONE CALLS FOR QUALITY PURPOSE, THEY COULD CONFIRM MY ARGUMENT.
She replied, I apologize for the inconvenience that you went through.
I was mad, and I told her Your apologies are not going to solve my problem.
YOU ARE TELLING ME THAT YOUR BANK RAN MY CREDIT. PUT A HARD INQUIRY IN MY CREDIT REPORT FOR NOTHING?
TWO OF YOUR BANK EMPLOYEES GAVE ME A WRONG INFORMATION.
IF THAT GUY TOLD ME LAST FRIDAY WHAT YOU ARE TELLING ME NOW, I DO NOT CLOSE THE CREDIT CARD.
I TOLD HER THAT I WAS GOING TO ESCALATE THIS PROBLEM BECAUSE IT WAS NOT AND IT IS NOT FAIR THAT FOR THEIR NEGLIGENCE, MY CREDIT SCORE WAS AFFECTED. POINTS WILL BE SUSTRACTED FOR OPENING A NEW ACCOUNG, AND MORE POINTS WILL BE SUSTRACTED FOR CLOSING IT.
WHY I SHOULD BE THE ONE LOSING HERE? IF THEY WERE THE ONES MAKING THE MISTAKE?
UNFORTUNATELY, ERRORS ARE PAID WITH MONEY.
I AM DEMANDING ONE OF THE TWO : YOU GUYS RE OPEN THE CLOSE CREDIT CARD, BECAUSE ANYWAY, YOU HAD NOT EVEN CREATE THE PLASTIC, OR YOU MUST SEND A LETTER TO THE CREDIT BUREAU ASKING THEM TO REMOVE THE HARD INQUIRY FROM MY CREDIT REPORT.
SHE SAID NOTHING!
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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To Whom it May Concern : I have an XXXX XXXX in the state of CT since XX/XX/XXXX. My small business is a travel agency. I am 100 % shareholder.
XXXX I opened a CITI Business Thank You card. I am also an authorized user on the card. I cant recall the opening available limit at that time or the exact date, but it increased to {$20000.00} over time and has remained until recently.
XXXX I filed a personal bankruptcy that did not include my XXXX XXXX , a separate entity.
XXXX CITI Business reduced my limit to {$14000.00}. My outstanding balance at that time was {$12000.00}, with an 11.24 % APR.
XXXX I missed my minimum payment by a few days. I contacted CITI to negotiate a reversal as a good will gesture due to my financial hardship. They refused as I had already taken advantage of their 3 month Covid relief policy early on in the pandemic.
XXXX I again missed my minimum payment by a few days, was charged a late fee, and denied forgiveness, APR increased to 27.24 %, bringing me over the limit by {$180.00}. My Thank You points were deducted to XXXX.
XXXX I contacted CITI to see how I can be helped as my financial situation was worsening. They didnt offer anything I could afford to agree to.
XXXX I obtained funds and made a payment on XX/XX/XXXX of {$2000.00}. On XXXX I made a payment of {$11000.00}. APR 27.24 % XXXX I thought my balance was XXXX with full credit available. There was a charge of {$92.00} for interest charges. APR 11.24 %. I called to question the finance charges as I paid the balance to {$0.00} before the close of the billing cycle. My research led me to discover this was residual interest. I contacted CITI to remove that charge as not applicable per their card agreement.
XXXX CITI reversed {$92.00} and labeled it a courtesy refund. It was less the full amount by {$0.00}. I made a purchase of {$92.00} to again bring my balance to {$0.00}. I was unaware at the time of purchase of the {$0.00} error. I was also credited {$12.00} labeled as credit interest charges. As I gather the information for my complaint, this is the first time I am noticing this. Possibly a refund due to me. Further investigation on my end would be needed to determine what happened. APR 11.24 % XXXX The XXXX was finally refunded after numerous calls to CITI .
XXXX CITI Business reduced my credit limit to {$1200.00}. APR 11.24 % XXXX My Thank You points were reduced to XXXX. A {$6.00} balance remained after usage/payments. As I write this, this amount appears to be another case of residual interest. I have not taken action to negotiate at this moment. APR 11.24 %. I made the {$6.00} payment to bring my balance to {$0.00} when I became aware of it.
XXXX 11.24 % APR. {$280.00} balance. This was not a purchase made by me. I disputed the charge, CITI investigated, the charge was reversed as erroneous bringing my balance back to {$0.00}. APR 11.49 % XXXX CITI Business reduced my available credit to {$500.00}. {$0.00} balance. I am unaware of the current APR at the time of complaint.
Intermittently, I had been using the card and either making a minimum payment, or bringing the balance to {$0.00}.
I called the toll free number on the back of the CITI Card to question the reduction on the available credit. I was alerted it was due an account review and reporting via XXXX.
I pulled my credit report on XXXX I had a situation with the listing of my personal mortgage, showing both CLOSED and DELINQUINT. I was very confused by this because I had not included my home in my XXXX personal bankruptcy filing and I have had 1 late payment since I purchased my home in XXXX. The fee resulted when I created an online payment account for the mortgage. I was unaware that XXXX XXXX ( mortgage holder ) and BOA ( pay source ) were not ACH compatible. A paper check had to be sent. The late fee was reversed as a courtesy for the situation. I am current and timely on those payments continuously.
XXXX I commented negatively on XXXX XXXX a promoted post by CITI XXXX The claim was how they were Committed to investing in opportunities for XXXX XXXX women globally by XXXX. As this public persona grossly contradicts my ongoing experience with CITI, I commented. I was contacted by @ XXXX and invited to XXXX them my issue for resolution. A call back was set up for XXXX from a representative from the executive office in South Dakota. No call was received.
XXXX I reached out to my bank to gain clarity on what was happening with the mortgage reporting.
I explained the situation I was in with my CITI Business card. I received the following response from XXXX XXXX XXXX XXXX I left a message for you. I verified with XXXX that the XXXX XXXX Reported field is automatically populated as the 1st of the month during which the bankruptcy is first reported. This is a mandatory field that we can not change.
I contacted XXXX to dispute the reporting 18 emails were exchanged in attempt to rectify this situation with them between XXXX XXXX I contacted CITI Business via email to XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX I received an auto reply, indicating, if applicable, they would contact me within 15 days. Citi XXXX XXXX : XXXX.
XXXX The XXXX representative directed me to create a XXXX account. The representative alerted me that my mortgage reporting had been updated and corrected. I created that account on XX/XX/XXXX. I noticed that the information on that site was vastly different than the one on XXXX. My mortgage was not listed on XXXX at all and showed CLOSED & PAYS AS AGREED on Annualcreditreport.com. I questioned how both could be true simultaneously and provided the report differences via attachment and copy and paste from XXXX in the body of the email, as I could not locate a print option on the site. I believe I am expecting the hard copy via US mail. There were additional discrepancies I wanted to address as well. The representative asked where I got the report I attached. I told her Annualcreditreport.com. I questioned why they would be different. I have not received a reply despite multiple attempts to contact them.
XXXX I received a call from XXXX from CITI XXXX She identified herself as from the SD executive office. I wanted to know if she was calling regarding my XXXX XXXX or my email to XXXX XXXX. She said she was from XXXX XXXX office, but also said XXXX. I am still not certain what action of mine prompted her call. The call was received at XXXX XXXX for XXXX minutes on a recorded line. We had a very passionate discussion and XXXX wanted me to provide my credit report to an email she provided. I did not take that action. She informed me that CITI pulls credit every 30 days. When I questioned her as to why my XXXX card was being negatively affected by my personal credit as they are separate entities, her reply was Thats how we do it now. I believed this to be a problem and I decided to take further action by contacting the Attorney Generals office of CT with my concerns.
XXXX I filed my complaint online with CT Attorney General.
XXXX I received email correspondence from CT AG , alerting me that my complaint has been forwarded to the Department of Banking state of CT. At their suggestion, I am filing with you as well as other agencies that may hold interest in my situation.
XXXX I also received an email from CITI XXXX XXXX, Reference # XXXX. This email references my inquiry regarding discriminatory practices. I dont believe my correspondence was reviewed correctly as my concern is my Corporate Credit card being affected by my personal credit report. My reference to them empowering women was questioning the integrity of that based on the fact that I am a woman and I own a small business. I dont feel empowered, but rather battered. Maybe I confused them.
Respectfully, XXXX XXXX
|
| 03/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
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XX/XX/XXXX I was a victim of Fraud in which a tenant who was renting a property I own filed a FORGED DEED claiming he was the owner of the property with XXXX County. The tenant did so in order to avoid eviction after he fell months behind in rent.
XX/XX/XXXX I filed suit against the individual who filed a Forged Deed and committed identity theft claiming ownership of my property at in XXXX Texas ( XXXX ) in the XXXX District Court of XXXX County.
XX/XX/XXXX Multiple retained attorneys advise me and notify XXXX ( Mortgage Company ) of the pending lawsuit and forged deed. Additionally, I was advised to not make payments until the litigation was resolved as I stood a chance to lose not only the monies I had in the property but additionally any more monies I put in or paid off related to the property.
XX/XX/XXXX Tenant moves to sell property with the FORGED DEED claiming title but XXXX XXXX who they were trying to use to close the property will not close as they find pending litigation on the property. Tenant then proceeds to find another Title company in XXXX Texas to do a remote closing a week or so later and the property is then sold by tenant to a new buyer through XXXX XXXX XXXX. Tenant falsely misrepresented to the title company that he is the owner and there is no litigation on the property ; the title company did not do their due diligence which resulted in the tenant proceeding to sign my name and use my SS # and other credentials thereby committing another case of forgery but this time an additional charge of identity theft. Proceeds of nearly $ 30,000+ were taken out and my outstanding mortgage loan on the property was paid in full by the buyer through the title company. Clean title was not given as litigation is still pending at XXXX County and set for trial in XX/XX/XXXX. The buyer was aware of this when they decided to take the risk and change to another title company after XXXX told them there was pending litigation and they would not close.
o The judgement on this case should be in my favor due to the forgery committed that allowed all of this to happen. The property title will be corrected and the last clear chain of title when I purchased the property in XXXX will be recognized as true and correct. I will then move to evict the current occupant through the sheriffs office. That individual will then have to go to the title company and move to sue the tenant who has committed all of these crimes and I am not a party to that suit or any of the other suits involving the title company, mortgage company, etc.
XX/XX/XXXX {$13000.00} payment made to CITI through CITI website to reduce utilization down to 30 % and improve credit score 40+ points in order to secure a HELOC to borrow against 350k+ Equity in my primary residence at and use that line to eliminate remaining revolving debts.
XX/XX/XXXX CITI reduces my credit line by {$13000.00} on that account. I cancel additional payment of {$15000.00} on another CITI account and begin to seek answer from CITI on decreased credit line on the first account and what can be done to fix this issue.
XX/XX/XXXX I speak with supervisor a CITI ( Kentucky location ) who advises me to cancel my payment through my bank to CITI as it has not posted as he tell me he is unable to cancel it on the CITI end. He then escalates the matter and sets up a call with Presidential Department ( CITI ) to discuss keeping my line of credit open and allowing me to explain why my credit score fell ( at no fault to me ) in hopes of keeping my credit line and repairing my credit given I have had 10+ years of flawless credit history with CITI .
XX/XX/XXXX I call and speak with another representative who confirms I have a spot to be called by the Presidential Department. I ask if there are any locations I can do in and see a banker and there are none in Texas or surrounding states. We hang up with the understanding that I will receive a call to have the option to discuss my situation.
XX/XX/XXXX Representative from CITI Presidential Department calls and leaves a voicemail.
o I call back no answer, leave voicemail, proceed to call her 14 times and leave 2-3 voicemails over the next couple days with no call back.
I call CITI and leave a message for them to have contact me. Citi Reference Number : XXXX XX/XX/XXXX I receive a notification email that payment was returned unpaid. I knew this as this is what I was instructed to do by CITI employees on both XX/XX/XXXX and XX/XX/XXXX in order to discuss my options with the Presidential Department and potentially have the ability to my credit line.
I log onto CITI website and see that something is wrong. I immediately see that both my CITI accounts have been closed.
I contact CITI looking to speak with yet another American Supervisor as I still can not reach the Presidential Department. I speak with a gentleman with CITI in Arizona who informs me that because my account has been closed there is nothing he or I can do until I receive a letter in the mail explaining why my account was closed. He does tell me the credit line was reduced due to a credit pull but he thinks the line was closed due to the returned payment.
o Mind you the returned payment was an additional payment as I had already paid another payment earlier in the Month. I have since made another payment for {$1000.00} and {$800.00} to each of my accounts with CITI.
XX/XX/XXXX I call and finally get a chance to speak with Presidential Department ( had been trying to reach since Monday XXXX XXXX ) and she has to notify me that I no longer can make the request to keep my line and now have to make a request to reinstate my line. Asks me to resolve my credit dispute before doing so in hopes that she can restore my line after the dispute is corrected.
o Problem : She doesnt realize the closing of my accounts maliciously and in bad taste by CITI will have more adverse effects on my credit. Likewise, the reason for doing so is due to someone fraudulently signing my name and forging documents in order to avoid eviction which had massive effects on my credit.
In short : I have a whole lot more information if CFPB would like it.
1. My attorney sent notice of pending lawsuit to XXXX ( Mortgagor who needs to fix false reporting ) 2. XXXX Responds with Modification to loan 1. Breakdown in Modification Docs ( I have these docs for CFPB, also sent to CITI ) 3. Modification Payment made in full ( overpaid ) 4. 2nd Modification Payment made in full ( overpaid ) 5. My attorney requested for XXXX to become party to pending lawsuit related to title on and want for declaration of property be awarded to me. This would ensure their position of securing their security note by way of my deed. Remember, we are in litigation over forgery of a deed claiming I removed my interest in the property to the tenant.
1. Another payment was not made as XXXX as they refused to join the suit and notify the court to have the property awarded to me which would secure their own note. They said they did not have an attorney and would let the court rule accordingly. Mind you, another payment was not due as I was overpaid on payments so I was not forgoing my payments just not making additional payment.
2. Moreover, the mortgage company reported that I made no payments in XXXX through XXXX but the transaction but not only did I make payments but I made additional payment to fully cover all three of those payments. This is the issue we are having with XXXX on top of the litigation related to the suit on proper title.
CITI did not even give me the opportunity to discuss and has caused further damage to my credit and ability to get out of this mess. I had a plan and they have destroyed that plan through being unethical and malicious.
|
| 02/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I was alerted to Fraudulent Charges sometime in XX/XX/XXXX. I initiated disputes for Fraudulent Transactions that were unauthorized and charged to my account, and viewed statements by CitiCards that were available online. These went back to XX/XX/XXXX, and I found fraudulent and unauthorized charges to my account spanning XX/XX/XXXX - XX/XX/XXXX. Upon learning of these unauthorized charges, I immediately contacted Citi, informed them my card number had been compromised in some way, and initiated fraudulent disputes spanning almost 2 years from XX/XX/XXXX - XX/XX/XXXX. These amounted to total fraud charges around {$40000.00} CitiCards contacted me, conducted a thorough investigation. Citicards concluded the investigation sometime around XX/XX/XXXX. CitiCards found in MY Favor, and remit an amount of about {$40000.00} to my bank account to reimburse me for the fraudulent charges that I had paid ( knowingly ) over the years.
As this first wave of fraud disputes was being investigated for XXXX and XXXX charges, I tried to find the root cause and see how far back this went. Citibank did not have my XXXX and XXXX statements available online ( they were archived ). So I requested all the statements I could find - stemming back to XXXX. Upon waiting 7 days to receive the XXXX and XXXX statements, I found and identified the same pattern of Fraudulent Charges on XXXX and XXXX statements. Some XXXX transactions, totaling around {$35000.00} had been charged ( and I paid for ) to Citibank.
On XX/XX/XXXX, I sent in these hard copy documents, as instructed by Citi, to a XXXX XXXX XXXX XXXX XXXX, SD. I waited for 4 weeks. I never received confirmation that my XXXX and XXXX disputed Fraud charges were received. Finally, after waiting 4 weeks, I called into the phone number to speak with the XXXX XXXX team and informed them I had not received a response. I was told that I should send an email, about the XXXX and XXXX charges to " XXXX '' I sent the exact same documentation that was sent to the XXXX XXXX XXXX I have attached these emails to this dispute.
Around XX/XX/XXXX, I noticed that my XXXX and XXXX disputed Fraud charges were finally posted online to my account, and under the Manage Disputes section, all 17 charges were " under investigation ''. At this point, I thought things were on the way to being resolved. Keep in mind, at this point, Citibank had already investigated, completed and concluded that the XXXX and XXXX charges on my account totaling approximately {$40000.00} was Fraudulent and Unauthorized by me. Not just that, but payment was actually sent to me- so this matter was deemed complete and concluded.
Yesterday, on XX/XX/XXXX, I logged into my Citicards account and it stated that my account was closed. It further posted that Citicards reversed all the credits ( which they already concluded and paid to me ) and posted an account balance owed of approximately {$39000.00}. These reversed charges were from XXXX and XXXX Fraudulent Transactions. ( Not the XXXX or XXXX Fraud disputes that were underway ). Essentially, Citicards : 1. Undertook an investigation for fraud.
2. Found in my favor after completing the investigation.
3. Remit payment for the completed fraud case to me in an amount of approximately {$40000.00} 4. Had a {$0.00} balance on my account and was in the process of investigating XXXX and XXXX charges.
5. Then WENT BACK and reversed and re-posted charges already credited, found fraudulent, and completed from XXXX and XXXX and now made my account balance nearly {$40000.00}.
Throughout this entire process, I was Not notified of anything that was going on. I must have called Citicards nearly 25 times from XX/XX/XXXX - present. I was ensured time and time again that I am not liable for Fraudulent charges ( which a full investigation already concluded I wasn't ). Then I only find out the status of my XXXX and XXXX pending charges ( that are fraudulent and I am still owed some {$35000.00} for ), were just dropped - and to add insult to injury, they re-posted the XXXX and XXXX fraudulent transactions to my account and state that I now owe a balance of nearly {$40000.00}.
I have attempted numerous times to call them ( during XXXX XXXX business hours on Friday ) and nobody responded to my complaint. Nobody called me back to discuss the situation when I was told this would be escalated immediately. As of now, I escalated my call to a supervisor today ( XXXX ) and informed them they need to have a supervisor or the specific case manager handling the Fraud investigation case, call me immediately on Monday morning. ( They told me the name of the person handling my case- who I addressed my email correspondence to repeatedly, without any confirmation or response ).
The bottom line is this : 1. It is blatantly unfair, unjust, dishonest, and a complete lack of transparency and problematic business practice to begin, investigate, conclude and remit payment for a fraud investigation - only to then AFTER the investigation is complete and concluded - ask for {$40000.00} in funds back by posting that I now owe that amount on my Citicard account.
2. Aside from above, there are STILL nearly {$35000.00} in Fraudulent Charges that I have initiated a dispute against for XXXX and XXXX charges.
So instead of rightfully receiving nearly {$75000.00} in security credit and reimbursement. ( {$40000.00} already found and concluded in my favor- {$35000.00} I tried to initiate a dispute over ) - Citicard is now stating I owe a balance of the {$40000.00}. To do such a thing to someone, is unconscionable, unethical, and in violation of common fairness in business practices.
What I am asking is the following : 1. Citicards honors their first Fraud investigation which already was concluded, found in my favor, and remit approximately {$40000.00} to my account. Instead of now backtracking on the XXXX and XXXX Fraudulent Charge investigation after they have had plenty of time to pursue their investigation, and posting this account back to my balance stating I now owe it- they need to remove this account posted balance on my account and {$0.00} and close my account down so I do not have any negative credit or financial credit report impact. ( Assuming they attempt to collect on the posted reversed funds ).
2. Besides zeroing out my account balance as stated above, I would like Citicards to continue the XXXX and XXXX Fraud Dispute Investigations that are clearly Fraudulent due to some multiple charges over this period of time from XXXX and XXXX. To have clearly found in my favor for the XXXX and XXXX Fraud charges, enough so to return payment to me- how is it possible not to find the exact same conclusion for XXXX and XXXX when my card number and identity was clearly compromised. The right, logical and honest thing to do is find that these the XXXX and XXXX transactions were fraudulent, and issue credits back to my account.
In conclusion - Citicards has failed to follow fair and reasonable practices, likely failed to follow procedure with response/confirmation time of my disputes, or some other internal procedure to ensure something like this does not happen. Then in turn, for their own mistakes, they want to re-post transactions they found were already Fraudulent, and make me, as the individual, pay for them.
I look forward to a favorable resolution with CitiCards. I would be happy if someone from Citicards with the power to fix this, contacts me, actually has a discussion with me, and resolves this matter. If they do, I would be happy to come back and amend ( or add to ) these statements if they can move forward in good faith and rectify this situation. This has caused me undue stress, both emotional and physical.
Thank you.
|
| 11/18/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
XX/XX/XXXX, as I was walking into a city Bank branch to get a cashiers check for {XXXX} XXXX just been transferred my account by relative over the last several days prior and I was checking the app as I was walking in to get the check because another {XXXX was it incoming that was showing as pending in my app, I wanted to make sure all of the funds were in the account which is when the fraud began and within XXXX minutes, my money was gone. I was getting the check which was XXXX total {XXXX which had taken me almost a XXXXr to save and then {XXXX} from relatives from my XXXX treatment which was pending and never hit my account. So I was expecting at least {XXXX} to be in the account however when I walked into the ranch my balance reflected almost {$XXXX}, XXXX minutes later as I was on hold with the security team my balance was XXXXXXXX it out and all of my money was gone. The tellers were in shock and a manager did try to provisionally reach turned the funds but their security department is a completely separate branch and I have had to deal with them and have spent at least XXXX to XXXX hours per day on the phone getting nowhere, even having it escalated to managers and supervisors, none of their inquiry information is correct, was even collected or looked into as it would be very easy to see who conducted the fried, where it went to, its obvious it was fraudulent and yes I understand XXXX is not liable for any unauthorized transactions as States their agreement with Citibank which says Citibank would be liable if the fraud originated with them which it did. This is been a huge setback in my treatment, my ability to find safe shelter, the loss of a dog who is my XXXX XXXX dog, everything All I had saved since XXXX when I lost my house, my spouse, my own health and other relatives do you I lost to Covid. I have spent the last year since I got out of the hospital last XXXX after XXXX months trying to rebuild my life and save the {XXXX} wow it may seem like a small amount, it was a fortune to me and it was specifically in the account so I can get a cashiers check that afternoon to meet a landlord in order to secure an apartment I had been looking for for XXXX months after being homeless as last year as I lost my home, my spouse, got sick myself and it basically almost died.
l XXXX was not kind, but this situation with Citibank has been XXXX times worse and I would take XXXX any day over dealing with this disaster that has pretty much ruined my life. I have become XXXX, and I can not get any help.
as I understand it, I remote desktop app was used to hack into my phone, it even shows that a remote desktop app was added to my phone or a different device, as in my purchase history it says not on this device, and so it was either from an old stolen device that I had reported back in XXXX has being stolen, but it may be an XXXX issue as all of my passwords were changed and a cryptocurrency account was also created which I have never, ever even dabbled in, let alone know anything about purchasing. But here are the details of the day that has decimated me : XX/XX/XXXX of XXXX around XXXX I got a phone call from Citibank XXXX XXXX XXXX As I never received any texts which I have set up for alerts I was suspicious so I called the number back and it was sure enough Citibank XXXX XXXX or so I thought. The manager told me to give them all of my info, the only info that I gave them was nothing that would allow them to violate my account the way they did as I only confirmed the last four digits of my social and my debit card. However, even after receiving a text that there was possible fraudulent activity on my account and replied to the text saying no I did not authorize the transfer and it is fraud. Within the next XXXX minutes Citibank still allowed fraudulent accounts to be created, my need to be transferred out of my original Citibank checking account and used to open to other accounts as well as upgrade my existing account I had had for almost XXXX years and there is not a thing I have been able to do and I have been fighting every single day since XX/XX/XXXX and it is now XX/XX/XXXX. I was supposed to here from them or have the money returned by XX/XX/XXXX. Instead on XX/XX/XXXX I got a letter with one of the claim numbers, addressing XXXX transactions made from the fraudulent accounts saying they were denied. There is no record of the {XXXX} transferred from my checking account connected to my debit card ending in XXXX. However, they did upgrade the account, send me a new debit card reflecting that I was now a XXXX XXXX account even though I never made any of those changes to my account as I would not have even been eligible if they were to look at my balance history as I have never had a {XXXX balance. And so those accounts that were fraudulently opened would seem to me to be XXXX banks responsibility to rectify, yet they wont. But, the rundown is this : As I walked into the bank I had the Citibank app opened, I was rushing to meet a landlord to get housing and was just making sure that there were some incoming transfers that had been pending XXXX minutes prior had hit my account, however what next happened is unimaginable. The charge of an incoming transfer for {XXXX} was still pending, but I noticed that it was transferred to an account number I did not recognize. Moments later as I was telling the manager of the bank about this incoming transfer, and he was researching it perplexed, I received a text saying did you try to make this XXXX transfer in the amount of XXXX to a person named XXXX XXXX, yes or no? I replied no.
Them I could see in the app that was canceled, however I can see there were transfers being sent out in real time to a recipient named XXXX XXXX, or the phone number attached to it that did not match mine, and was created using an email address I do not use with any of my banking, it was Citibank fraud department who immediately called me, the manager told me to speak with them. I told them I had just had over {XXXX} transferred out of my checking account, which is the only checking account I have ever had and XXXX} was transferred to fraudulent accounts that were created in order to transfer the {$XXXX} daily max out of an into that fraudster/recipients account. However, they first upgraded my account from a regular checking account which I have always had to priority. This is because with a priority account The daily limit is {$XXXX} to withdraw. Yet to have this type of account, you have to have a {XXXX} balance which I will never or have ever had. Citibank is not taking any liability, saying because it was via XXXX, they do not protect transfers either authorized or an authorized, however even the bank managers agree with me that the fraud originated with Citibank, who is FDIC insured and it should have been provisionally returned at least for the account that was upgraded and changed, and the two accounts used that were fraudulently created in my name because were they not able to hack into my Citibank app, none of this wouldve been possible. Meanwhile, my claims were denied or not even shown as filed, my bank statements do not reflect all of the fraud, they can not even locate where XXXX is now connected to and I never made any changes. And it has been almost XXXX weeks, I have been penniless. I have lost a home, I lost my dog as she requires treatments every week and after XXXX weeks I was not able to pay a balance since all of my money was stolen, and so its a loss has been monumental both emotionally, physically, financially as I have incurred late charges, decreased credit scores when I had never had a late payment in my life previously. And Citibank is not cooperating.
|
| 06/25/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Dear XXXX XXXX, ( CC : Consumer Financial Protection Bureau, IL Attorney General, Citi, Department of Justice XXXX This letter is being sent to you in response to your XX/XX/XXXX Debt Collection attempt on the debt I purportedly owe to Citi. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; provide me a proof of purchase of my debt, if any, as required under UCC 203 Art. 9 ; or explain based on which authority you can collect from me. Please provide me a copy of retainer and a confirmation sale of my purported debt to XXXX & XXXX by Citi. Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent.
Please be further advised that on XX/XX/XXXX and XX/XX/XXXX I demanded Citi to validate this debt due to my concerns of identity theft and unjust enrichment by Citi.
Based on recent report from the Senate, Citi is engaged in the wide-crime spree which caused reasonable concerns how Citi uses my personal information ; who collects the debt IF this debt exists. I also suspect that Citi uses my identity to back their bogus derivatives/credit default swaps to obtain unjust enrichment in the amount of 15-20 times more that my debt. It is not a secret that Big Banks sell securitized borrowers personal information without borrowers knowledge and consent to receive enormous profits in average 12-15 times more than the amount CITI PAYS to obtain an intangible license to sell derivatives masqueraded as a credit card debt. It creates a contract for SERVICES provided by ME to CITI ( such as issue a Promissory Note ) which Citi used in their securitization scheme where I am entitled for royalties from all trades as Quantum Meruit.
Please note that only a creditor or a lawful assignee of the creditor can collect a debt. The creditor is by definition the party who claims to own the debt. If they own the debt then they are reporting the debt as an asset receivable on their accounting records. Since investors do NOT buy debts, but merely buy certificates backed by information about the debt, there is no party anywhere that is a creditor. If there is no creditor, there can be no debt, because there is nobody entitled to receive payment.
Please explain based on which evidence you concluded that I owe anything to Citi and not Citi owes to me a part of profits they received from trading my personal data on the open market without my knowledge and consent, no need without fair compensation. Based on my estimate, Citi received at least {$22000.00} revenue by selling my securitized data to investors who are NOT my creditors ; while only retuned me {$1500.00} as a one-time payment for issuing a Promissory Note based on which Citi sells their derivatives and other unregulated securities. Please be informed that I demand royalties, no less than 20 %, from ALL sales of profits from securities backed by my name and signature, no less than {$4500.00} XXXX minus {$1500.00} would be {$3000.00} owed to me by Citi ).
Please provide me evidence if my Promissory Note as Appeared on the Application for the Credit was processed by Citi in accordance with GAAP. Was it placed as a receivable to Citi account to generate profits? If yes, please state how much profits were generated by using my signature on the Application as an ASSET on Citi balance sheets. Please explain me how the cash earlier credited is now deposited. Is this a debit to cash and a credit to a bank liability like a checking account or demand deposit account or savings account. Is it treated as a new ASSET on the Citi balance sheets? Is this new ASSET came from me, as a borrower, thus Citi owes me a liability related to this new asset? Please provide me the proof where was my Promissory Note ( application to buy a credit card ) recorded by Citi Please state if my promissory Note was securitized and sold to investors for cash and how much profits Citi received by trading on my name, signature and reputation on the open markets. Please send me a document where it said that I allowed Citi to use my name, signature and reputation to trade on the open market as a security to generate profits. Citi got my Promissory Note/Application for Credit for free and I suspect that is was used as an asset to generate massive profits by trading on my name, which equates to identity theft ; swindling and counterfeiting.
I respectfully request to validate for me this debt and provide me adequate assurance that my promissory Note was properly recorded in Citi bookkeeping ; disclose if my application was used as a guarantee for any trades ; the amount of profits received from trades ; and a copy of the document where these transactions were explained to me and I gave my permission to these trades. Once Citi provide me a full validation of Debt and Adequate Assurance, I will send you the next payment. This is not a refusal to pay but the request to validate the Debt At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX XXXX XXXX XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 09/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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To Whom it May Concern, I 'm writing this letter to dispute the late payments that were posted on my Citibank Visa from the months of XX/XX/XXXX-XX/XX/XXXX, in hopes to change the negative impacts it has caused to my credit score. I am only asking that Citibank take responsibility for their part in why a payment for the full balance of this card was denied or not accepted before the due dates. I have great hopes that Citibank will change the payment history of this card to show that payment for the full balance was made on time.
Originally this was an XXXX XXXX card opened through XXXX XXXX, which was transferred to Citibank Visa without any consent, authorization, or signature on my part. I have asked Citibank on numerous occasions to provide me with any and all disclosures I have signed that allowed Citibank to open a credit card in my name. I was under the impression that credit card companies must have your signature on file to legally open a card in your name. I have not been provided to this date with any copy or copies from Citibank that show proof they posses my signature on file. In fact, I am told they do n't have it.
The first I heard of a Citibank credit card opened in my name was on XX/XX/XXXX. Only due to the fact that a postal worker recognized my name did I receive a bill to my XXXX XXXX with an incorrect address on it. The bill had a single charge of my XXXX membership fee for {$110.00}. I immediately called Citibank to question the existence of this card. I am a XXXX member and wanted to keep my membership. I am also trying to buy a home and did n't want anything to negatively impact my credit score. Even though I was still questioning the opening of this card, I attempted to pay off the balance. I was then told by the Citibank representative that I was not allowed to pay off the balance because I did n't have a physical card issued and in hand. This seemed odd. Citibank had allowed XXXX to charge a card that had not been physically issued to me. At the same time denying me and refusing me the opportunity to pay off my balance because a physical card had not been issued to me. I did not give XXXX or Citibank any authorization to automatically charge this particular account. It also clearly states on the back of the credit card, " not valid without authorized signature. '' To this date the card has not been signed. I should have been issued a card before any charges were allowed to be processed. The customer service representative also informed me that the account was opened in XXXX the previous year, which means that it took Citibank over 9 months to actually issue me a credit card.
I was then forced to wait for a card to be issued and mailed to me so that I could make the payment. When I received the card two weeks later on XX/XX/XXXX I immediately called Citibank to make my payment and pay off the full balance. I gave them my routing # and account # and my authorization to pay off the full balance of the card. I have paid the full balance, every month, for every card I have had for the last 19 years. That can be verified through my credit report. I was then told by Citibank that my payment was accepted, verified, and would be applied to my account.
After receiving no statement updates, no emails, and no additional communications I then received a phone call on XX/XX/XXXX from Citibank. They were calling to inform me that my XX/XX/XXXX payment had not gone through. I was then told that additional fees had been applied and that the Citibank credit card had been closed. I asked the customer service representative why I was not notified from Citibank that the payment did not go through. ( Again, I received no statements, emails, or additional communication up until this point ). I was told on XX/XX/XXXX that my payment had been accepted and had received no information to the contrary. The representative then informed me that Citibank does not call customers for these situations. Even though they were calling me now. There should have been no reason why I was not contacted by Citibank to either inform me that my payment did not go through or that my statements they were mailing me were being returned, as they are now telling me they STILL had the incorrect address on file, even after I corrected it on my first call to them on XX/XX/XXXX, which has been verified through the recorded phone conversations that were pulled by a supervisor at Citibank. Citibank reps. have openly admitted that Citibank has had numerous problems with customers ' accounts that have been transferred from XXXX XXXX to Citibank. They were also open with the fact that Citibank has an ongoing problem with processing payments over the phone. Even with these admissions and all the other problems to our account, Citibank has done very little to remedy the situation. We have spoken to several customer service reps. and supervisors that have been nice and helpful in filing disputes to credit bureaus, but in the end it 's been almost two months and nothing has been done. We have also asked Citibank to show and send us any proof that they made any attempts to send us statements or emails during the months of XX/XX/XXXX to XX/XX/XXXX. They have denied us. We have also asked Citibank to disclose to us all phone call recordings that we have had with them during this time. They have denied us this as well.
This has been a horrifying experience for me. I moved on XX/XX/XXXX from XXXX to XXXXi to care for my XXXX-year-old Godson who has recently XXXX XXXX of his XXXX and was placed in XXXX XXXX XXXX. I deeply needed my impeccable credit score to help me obtain a home loan so that I can provide him with a safe, stable and comfortable living place.
I 've been extremely disappointed with Citibank. I would think that a company taking in new customers would go out of their way to show their appreciation for your business. There have been thousands of complaints from XXXX customers about how Citibank has handled the transfers from XXXX XXXX to Citibank. From disclosures, issuing of statements, to not issuing credit cards in a timely manner. I understand that during any transfer there can be difficulties, misunderstandings, and even errors made. I can accept that sometimes everything does n't always go smoothly. I just hope that Citibank will be empathetic to customers that have been transferred over and have had to deal with difficulties that are of no fault of our own. I am only asking Citibank that they recognize that there were difficulties in transferring customers over to their card. And because of those difficulties customers were not given their fair and proper service. I have paid off the full balance and owe no money to Citibank. I only want my excellent credit back. I dropped from over an 800 credit score to XXXX because of this incident. It is a small thing for Citibank to correct the status of this account and show it was paid on time. We tried, attempted and would have paid this account on time if we would have received proper and timely notification, and had not been denied the first time that full payment was attempted on XX/XX/XXXX. I hope that Citibank takes moral and legal responsibility and does the right thing for customers that have had to deal with the difficulties that have happened during the transfer of these accounts. If not, I 'm afraid my family and I will pay deeply. It takes years for your credit score to return to normal. This is a punishment that I do not deserve I greatly appreciate the time of whomever is reading this. Thank you so much for listening. My hope is that this can all be sorted out without taking legal action.
It seems like it could be such a simple remedy.
|
| 02/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Dear Sir or Madam, I reserved hotel rooms using a Citi credit card through XXXX and CANCELLED all the reservations WITHIN the cancellation period. I also received successful CANCELLATION emails from XXXX. However, Citi card has not issued the final credit owed to me. I have received only 3 of the 4 cancellation credits and I am paying interest for this 1 withheld credit. I most respectfully and desperately ask for your help in obtaining the final credit that is owed to me.
If this was concerning a trivial amount, relatively speaking, I would just let this go. But the amount is {$870.00} and now larger, due to the interest I have paid, and I am not in a position to pay a credit card company my hard-earned money for something I did not purchase.
Here are the facts, and I am grateful for your help and support : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX reservation ( {$870.00} for XX/XX/XXXX - XX/XX/XXXX ), through XXXX XXXX, Itinerary Number XXXX.
XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX reservation ( {$870.00} for XX/XX/XXXX - XX/XX/XXXX ), through XXXX XXXX, Itinerary Number XXXX.
XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX reservation ( {$870.00} for XX/XX/XXXX - XX/XX/XXXX ), through XXXX, Itinerary Number XXXX.
XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX reservation ( {$870.00} for XX/XX/XXXX - XX/XX/XXXX ), through XXXX, Itinerary Number XXXX.
XX/XX/XXXX - CANCELLATION of XXXX XXXX XXXX XXXX XXXX reservation ( {$870.00} for XX/XX/XXXX - XX/XX/XXXX ), through XXXX, Itinerary Number XXXX.
XX/XX/XXXX - CANCELLATION of XXXX XXXX XXXX XXXX XXXX reservation ( {$870.00} for XX/XX/XXXX - XX/XX/XXXX ), through XXXX, Itinerary Number XXXX.
XX/XX/XXXX - CANCELLATION of XXXX XXXX XXXX XXXX XXXX reservation ( {$870.00} for XX/XX/XXXX - XX/XX/XXXX ), through XXXX, Itinerary Number XXXX.
XX/XX/XXXX - CANCELLATION of XXXX XXXX XXXX XXXX XXXX reservation ( {$870.00} for XX/XX/XXXX - XX/XX/XXXX ), through XXXX, Itinerary Number XXXX.
XX/XX/XXXX, XXXX XXXX - I called Citi to ask for missing credit. Citi responded that XXXX was responsible for the missing credit. I called XXXX to investigate, and XXXX said that all the hotel reservations had been cancelled and assured me that Citi was holding on to my credit of {$870.00}. So I opened a credit dispute with Citi using the Citi mobile app and received a notice stating that I was to wait for the dispute to be investigated and resolved.
XX/XX/XXXX, XXXX XXXX ( 32 minutes ) - I called Citi because I received a letter that said that the dispute had been resolved in my favor, but there was no credit on my statement. This was most puzzling, and I re-opened the same dispute.
XX/XX/XXXX, XXXX XXXX ( 27 minutes ) - I called Citi because I received a letter that said that the dispute had been resolved in my favor, but there was no credit on my statement. They told me to wait a few days because the credit would post to my account soon.
XX/XX/XXXX, XXXX XXXX ( 50 minutes ) - I called Citi because the credit they promised still had not posted to my account. Citi advised that they were still looking into the matter and to give it some more time.
XX/XX/XXXX, XXXX XXXX ( 22 minutes ) - I called Citi because the credit still had not posted to my account. Citi advised that I no longer qualified to re-open the dispute. I was appalled, and continued to fight this injustice. I was then told that I had to write a letter and mail it via US mail to re-open the dispute. So I did.
XX/XX/XXXX - I mailed via US mail a full explanation of the facts and included all the hotel reservation confirmation emails as well as the hotel cancellation emails from XXXX. I also included my XXXX Trips history, which shows that all the hotel reservations in question were cancelled successfully within the allowed cancellation timeframe.
XX/XX/XXXX - Citi mobile app was malfunctioning, and I was unable to schedule a payment for the minimum amount due. The app started working again on XX/XX/XXXX, so I paid the minimum payment for the month.
XX/XX/XXXX, XXXX XXXX ( 10 minutes ) - I called Citi to communicate 2 things : 1. The app was not working for a few days previously, so I needed to have the late fee and interest waived ; I had successfully paid the minimum amount due on the date of the due date but it was processed a day late. 2. To obtain a status update on the dispute. Citi responded that the {$870.00} in question was the aggregate of other purchases I had made earlier in the year and that the amount was not the same amount pertinent to the hotel reservation in question. So I asked Citi to recount which purchases she was referring to, and she could not provide an answer. So I asked for a copy of of my past statements ( XX/XX/XXXX - XX/XX/XXXX ), as old statements were not available online, to see if any other purchases added up to {$870.00}. Citi said they would send them in 10 business days.
XX/XX/XXXX, XXXX XXXX ( 10 minutes ) - I called Citi to AGAIN request a copy of my past statements ( XX/XX/XXXX - XX/XX/XXXX ), because they had not arrived yet. Citi said that they would send them in 10 business days.
XX/XX/XXXX, XXXX XXXX ( 31 minutes ) - I called Citi to communicate 2 things : 1. I needed to make a payment over the phone because the mobile app had not been working the last few days. 2. After reviewing the XX/XX/XXXX - XX/XX/XXXX statements I received, I saw that there were absolutely no other charges that added up to {$870.00}, and that I had paid all other charges in full. I called Citi to inform them of my findings. Some background : my credit history will show that I pay all of my credit card balances in full and have done so since XX/XX/XXXX. The only credit card I am keeping a balance on is this Citi card in question - because it would be wrong for me to pay off something that I did not purchase. Citi told me that they would look into the missing credit again.
XX/XX/XXXX - I called Citi again to obtain a status update on the dispute. Citi employee " XXXX '' reviewed the letter I had sent to Citi as well as all of my account details and agreed that it was crystal clear to him that I am owed a credit. He asked me to submit all of the details in an email as a final step. I was confused because he had confirmed that he already had all of the details needed to make the determination that I am owed the credit, but I obliged. XXXX also said that he would request a re-investigation from his end.
XX/XX/XXXX, XXXX XXXX - I called Citi to obtain a status update on the dispute email I had sent, and was told that it was still pending re-investigation.
XX/XX/XXXX - I emailed all of the facts and details again to Citi, and respectfully requested that they issue the credit owed to me.
XX/XX/XXXX - I received a letter from Citi stating that the dispute had been resolved in my favor. But the credit was still nowhere to be seen. So I emailed Citi to ask why, if the dispute had been resolved in my favor, I had still not received the credit.
XX/XX/XXXX - I received a letter from Citi stating that the charge in question is now permanent. I emailed Citi to ask why, if the dispute had been resolved in my favor multiple times, and the cancellations were all proven beyond a shadow of a doubt, I had to pay {$870.00} ( + interest ) for something I did not purchase.
I have yet to receive a response to my last email.
I find Citi 's behavior and treatment of me and their disregard for my time and money to be abominable and can only ask that they return the credit that is rightfully mine as well as more training for their employees so that they do not subject other customers to this kind of disrespectful treatment.
Thank you again for your time and help.
XXXX XXXX
|
| 04/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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Summary - XX/XX/2023, a fraudulent charge of {$500.00} from XXXX was made on my Citibank XXXX XXXX XXXX. On XX/XX/2023, a fraudulent attempt was made by XXXX for {$4700.00}. My password was changed by someone other than me, and my account address was changed to a state I have never lived in - Texas. Citibank notified me of the attempt on XX/XX/2023, and I confirmed that no, I did not attempt those charges. 3 months of endless dead-end phone calls to Citibank, and they have promised to but have not resolved the issue and have been impossible to get speak to - I have been passed around to 4 different departments who all say it's not their job. Credits were issued in the amounts of {$500.00} and {$290.00}. But Citibank is still billing me for over {$4400.00} of the fraudulent attempted charge.
Details : On XX/XX/2023, received a text message from Citibank stating " Did you attempt {$4700.00} at XXXX XXXX on XXXX? Yes=1, No=2, or sign on to the Citi Mobile App. I responded " 2 '' - No I did not attempt this charge. I then spoke to someone at Citibank via phone and confirmed to them that No, I did not attempt this charge, it was fraud. During that call and checking my account online, I discovered and reported to them the following an additional fraudulent charge on XX/XX/2023 from XXXX for {$500.00}. Additionally, the password and address on my account were changed without my knowledge or permission. I informed Citibank that the fraudulent Texas address on my account is not my address, I did not make that change, and I have never lived in Texas. The agent assured me they would issue credits for the fraudulent charges, investigate thoroughly and correct my address. They did not.
On XX/XX/2023, I received a voicemail from Citibank phone number ( XXXX ) XXXX that was difficult to understand due to static and muffle, language barrier, and a heavy accent. It sounded like they said they were calling from Citibank and if I did not call them back within 24 hours, they would close my account. I immediately called Citibank back at that number ( XXXX ) XXXX on the same day XX/XX/2023 and received a recording stating that " Inbound calls can not be received at this number. click ( disconnect ) ''. So I immediately called Citibank Customer Service at ( XXXX ) XXXX on the same day XX/XX/2023 and explained the call I received. Citibank Customer Service stated the call was from the Fraud department and there was no additional informaiton they needed from me. They said they would make note in my account that I returned their call, and promised that my account would not be affected. During this call, I discovered that the fraudulent Texas address was still on my account. Customer Service, again, said they would correct it to my correct address.
On XX/XX/2023, I logged into my Citibank account website and noticed a small message that a electronic letter was sent to me at the Citibank messaging system ( not to my email address ). The letter dated XX/XX/2023 was addressed from Citibank Customer Service '' but had no Citibank contact information such phone/email/address. The letter stated " Due to a billing delay, the charge ( s ) for {$4400.00} from XXXX WA made on XX/XX/2023 will appear on your account for the first time.If you have any questions, please contact us. Sincerely, Customer Service Team '' In response to the letter above, on XX/XX/2023 I called Citibank Customer Service at ( XXXX ) XXXX, and notified them of the letter, and requested to dispute this fraudulent charge. Citibank Customer Service denied writing the letter, stated they could not dispute the fraudulent charge or issue a credit, and said I would have to talk to the Fraud Department. They transferred the call to XXXXraud Department.
Citibank Fraud Department also denied writing the letter, salso tated they could not dispute the fraudulent charge, or issue a credit, and said I would have to talk to the Citibank Security Department at ( XXXX ) XXXX. They told me to call that number during their business hours M-F XXXX XXXX.
On Monday XX/XX/2023, I checked my credit report and discovered it has decreased from the XXXX 's to the XXXX 's due to recent increase in charges ( the fraudulent {$4400.00} that Citibank has charged to my card ). Additionally, the bill statement is scheduled to be deducted from my checking account soon.
On Monday XX/XX/2023, I called the Citibank Security Department at ( XXXX ) XXXX. The initial agent XXXX, said that I would have to talk to Customer Service to have a credit issued and XXXX attempted to transfer me. I interrupted her, explained again that Customer Service said they couldn't do anything on Saturday. XXXX was very unprofessional, argumentative, and not helpful. Eventually, I asked her to escalate the call to a supervisor.
The call was escalated to XXXX in the Security Department. XXXX stated that her department could not dipute a claim nor could issue a credit. XXXX said the fraud investigation is the responsibility of the Recoveries Department, and that department does not accept phone calls or email or communication from customers. She said could only send a message to the Recoveries Department to notify them that I called. She also said that Recoveries Department will take at least 2 weeks just to read her message. I reminded XXXX that Citibank had already charged me {$4400.00} fraudulent charge, which would come out of my bank account soon for autopayment. If it will take XXXX a couple weeks just to read her message, and they can not speak to me, then the charge will be deducted from my bank account before then.
XXXX told me to call Customer Service and ask them to stop autopayment on my account. I reminded XXXX, that would mean I wouldn't pay my bill and that would affect my credit again, which is not an acceptable solution to this huge problem.
I asked XXXX to escalate the call. She refused. XXXX transferred me to Customer Service and a man said " Our technical systems are down. Call back in over an hour ''. Then he hung up.
I attempted to call Customer Service again, but received the same rude message about the technical systems down, and the man hung up.
I reached out to Citi chat instant messaging system on their website to requestt an email address at Citibank to report these problems to. They said I needed to provide with a Case ID. I told them that Citibank never gave me a Case ID, and that the letter from Citi on XX/XX/XXXX did not have a Case ID. Eventually, he provided me with an email. I received an automated response from Citibank XXXX, requesting me to click on a link to a XXXX website and provide my bank account and PIN. I declined, as my account is not in XXXX, it is in the United States.
Per the advise of " XXXX '' with Citibank Securities, I have stopped autopayment on my account, as this is the only way to keep Citibank from deducting from my checking account the {$4400.00} in fraudulent charges.
Per my Citibank account online information, they investigated the following XXXX charges. XX/XX/XXXX, {$500.00} from XXXX - merchant credit issued ( why the merchant? ). XX/XX/XXXX {$290.00} XXXX - security credit issued ( this is not the correct amount -- the attempt was {$4700.00} ) Citibank has provided no explanation or results of their investigation.
Citibank has negatively impacted my credit report, and is essentially stealing {$4400.00} on my account. I have been a Citibank customer over 20 years, have always paid my account on time, and have always had excellent credit. Looking through the other reports on CFPB, this Citi scammer/hacker problem is common, and even more common is Citibank 's lack of addressing the issue professionally.
|
| 09/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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|
Web |
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1 ) I am unable to review my application. I believe any denial should rightfully attach what was specifically denied. Essentially I was reviewed based upon income and credit credits credit already established. I would like to make sure these figures are correctly posted so I can verify if any information is inaccurate. I was unable to see this even with a password protected denial thus only generic information exists as if it is a concern for the consumer credit bureau. I would need to verify full info and specifics when comparing to any outside information.
2 ) I might have input a monthly income total instead of yearly total income on the application. I am unable to verify as to correct or refile a new application or appeal.
3 ) Based on the application that this is generic in nature. If denied I should be able to appeal as to showcase the net worth of myself as to show that I have the ability to pay. Lack of net worth is discriminatory in-nature because it relies on income rather than recognize a person could have received a lump sum payment for government assistance or already has money saved thus has the ability to pay. Income is discriminatory in nature because the application is generic such does not recognize where the income is derived from as more secure than income received from an employer if received from the federal government and also one can not be considered unemployed if receiving certain type of benefits from the government. Thus these factors were not weighed as discriminatory to provide generic income understandings on the application not pegged to a certain reason of where the income is coming from.
4 ) The credit application is discriminatory in nature where they showcase income but do not recognize the income as if it pertains to a person receiving government assistance income or like SSA income. I believe other credit cards require you to disclose employment status or government assistance program supplying income and this application is quite generic and did not allow understandings of where the income is coming from.
5 ) I do have a chase account with benefits. Because Good Year Credit card application is mainly a website application rather than offer perks of phone app application that I believe Good Year is recognizing benefits are similar and does not want to provide a credit card where my credit score is good and I have been paying off all credit card debt responsibly thus good year credit card perks are for 6 months deferral of payment thus I believe it is discriminatory to recognize credit card debt as if I am not paying this off correctly as to have a good credit score with the debt obligation thus good year does not want to supply credit card perks of payment deferral because I might be receiving perks on the other credit car which I am successfully paying off thus wrongfully assumes I do not deserve this credit card and perks until I paid off the full debt which is discriminatory in-nature because credit cards compete on XXXX XXXX and that if I have been receiving XXXX XXXX for quite some time that thus credit card application exploits this perk as if I have not been accruing income or have a higher net worth to pay off the debt thus XXXX XXXX is a discriminatory factor among obtaining new credit cards because good year allows 6 month deferral at the XXXX XXXX rate essentially such I would have the ability to pay off debt per my income and net worth or cash readily available as part of my net worth. XXXX XXXX credit card applications thus are discriminatory to recognize any debt obligations are per other perks of credit card which does not showcase that I am unable to pay the credit card correctly but only showcases that payment is not due immediately thus a debt obligation on a XXXX XXXX credit card is discriminatory because I do not have an obligation to pay immediately thus good will would accrue because I was accepted by a competition credit card company to allow XXXX XXXX for longer than XXXX year thus compared to a year of XXXX XXXX that any obligation is quite low but I did not see any specifics noted on these denial thus is discriminatory because good will is achieved by have XXXX XXXX and good credit score as to pay only a required monthly payment. Thus good year discriminates against those who have good credit and good credit terms of XXXX XXXX because a debt obligation does not exist as if I need to pay immediately as to be in jeopardy but is a sign of good will that I am paying off the debt correctly with a XXXX XXXX credit card and that if a XXXX XXXX is ending that it would be appropriate to try good year at their XXXX XXXX and recognize my debt obligation with the previous credit card will be cleared once payment is required to be made after the XXXX XXXX ends per the credit agreement. Thus good year is discriminatory as to showcase a generic credit card application as to entrap their victims with a 6 month XXXX XXXX but fail to recognize the debt obligation is essentially covered and is not a concern for poor credit but excellent credit because the terms allows XXXX XXXX to exist thus without a required payment necessary that debt obligation does not truly exist as if I am missing any payments or paying late. I believed this was an I correct denial to boost their credit reputation against competition thus perks should only be received at XXXX credit card line rather than recognizing that I can transfer to a XXXX XXXX credit card upon a XXXX credit XXXX credit card ending. The former credit card did not allow a renewal of XXXX XXXX thus I can transfer to a new credit card without worry about credit card obligation because the due date shows that I am not required to pay but I am continuously paying off the credit card either way. The denial was too simple and discriminatory as a concern for a generic application to only allow XXXX XXXX for those who do not already have XXXX XXXX as to showcase no debt in most cases owed to a credit card which is also anticompetitive because XXXX XXXX is a staple or marketing ploy that allows a person to sign up but can essentially take on a new credit card upon XXXX XXXX ending even though debt is still not obligated to be paid in full as to transfer to a new credit card without need to transfer debt to the new credit card. Thus a Chase credit card allows a long term XXXX XXXX thus good year will void credit card applications incorrectly as to show bad will upon other competitors offering XXXX XXXX as well and that the debt obligation is not truly owed until payment is due thus credit score is still good which was clearly not reflected with the debt of this credit card that this is good debt not bad debt regardless of how much debt a person has because the debt does not exist until it is required to be paid thus monthly debt is nit required by the chase credit card on a XXXX XXXX plan thus I should not be having bad will or bad faith understandings if good year is exploiting the XXXX XXXX understanding as to require me to pay off the debt in full before receiving a new credit card with the previous credit card company. Discriminatory in nature because it is responsible to sign up for XXXX XXXX thus debt is not accounted for correctly if debt obligations are still under a XXXX XXXX plan where the monthly requirement is not an obligation at all and thus should not be a detriment to my credit quality or score as to not be required to pay and any insinuations of having to pay off the debt before receiving a new credit card for like XXXX XXXX terms is discriminatory in nature as XXXX XXXX is exploited to deny credit card applications wrongfully.
Denied on XX/XX/2023
|
| 07/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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CITIBANK N.A. XXXX REPEATS THEIR TREATMENT TO ME THAT ARE AGAINST AND VIOLATING BOTH THE XXXX AND AMERICAN LAWS INDICATED IN ALL MY COMPLAINTS I FILED TO AND NUMBERED BY CFPB AS XXXX OF XX/XX/XXXX AND XXXX OF XX/XX/XXXX AND THE CONSENT ORDER ISSUED ON XX/XX/XXXX.
CITIBANK IS CONTINUING THEIR EFFORTS TO CLOSE AND ELIMINATE THE FOLLOWING THREE CITIBANK ACCOUNTS OF MINE.
1 MY "READY CREDIT"ACCOUNT WITH END ACCOUNT NUMBER XXXX XXXX
2.MY CREDIT CARD ACCOUNT WITH THE ENDING NUMBER XXXX XXXX XXXX AND
3.MY PERSONAL SAVING ACCOUNT WITH ENDING ACCOUNT NUMBER XXXX XXXX.
I HEREBY REQUEST CFPB TO LEGALLY PROVIDE ME WITH BOTH LEGAL AND FINANCIAL PROTECTION AGAINST THIS ACT BY CITIBANK THAT VIOLATE BOTH THE XXXX AND AMERICAN LAWS.
CITIBANK HAS NO RIGHT TO CLOSE THESE THREE ACCOUNTS UNILATERALY
1 MY READY CREDIT ACCOUNT WITH END ACCOUNT NUMBER XXXX XXXX CANNOT BE CLOSED BY CITIBANK UNILATERALLY.
CITIBANK HAS NOT RESOLVED THE DISPUTE BETWEEN CITIBANK AND I AS I STATED IN MY EMAIL OF XX/XX/XXXX. ATTACHMENT 1
CITIBANK N.A. XXXX HAS VIOLATED THE US DEPARTMENT OF THE TREASURY REGULATION Z THAT ALLOWS TEMPORARY DISCONTINUATION OF CREDIT REPAYMENT AS I ALREADY FILED A PROPER BILLING DISPUTE SINCE XX/XX/XXXX.
2. MY CREDIT CARD ACCOUNT WITH THE ENDING NUMBER XXXX XXXX XXXX CITIBANK HAS NO RIGHT TO CLOSE THIS SECOND ACCOUNT OF MINE UNILATERALY.
MY COMPLAINTS THAT I FILED AND CFPB NUMBERED NO.XXXX OF XX/XX/XXXX AND NO XXXX XXXX XXXX OF XX/XX/XXXX ARE NOT SETTLED / JUST ABOUT TO BE SETTLED FOLLOWING THE RECENTLY ISSUED CONSENT ORDER BY CFPB. THESE COMPLAINTS ARE TO BE AUDITED / PROVEN/VERIFIED USING THESE THREE CITIBANK ONLINE ACCOUNTS AND FINALLY REPORTED IN THE REDRESS PLAN REPORT.
CITIBANK N.A. XXXX HAVE NOT SETTLED THESE COMPLAINTS AND HAVE TO OBEY THE CFPB'S CONSENT ORDER. THEY NEED TO BE AUDITED, PROVEN WITH EVIDENCES THAT ARE CONTAINED /RECORDED IN THE CITIBANK CREDIT CARD ONLINE ACCOUNT RECORD AND SYSTEM WITH END NUMBER XXXX XXXX XXXX XXXX OF MINE. THEY ARE TO BE SUBMITTED TO CFPB AS THEIR REDRESS PLAN REPORT. SEE ATTACHMENT 2.
THE FOLLOWING ARE MY COMPLAINTS CAUSING GREAT FINANCIAL LOSSES AND SEVERE PHYSICOLOGICAL IMPACTS TO ME.
COMPLAINT NO.1, ISSUANCE OF SIX UNSOLICITED CREDIT CARDS ACCOUNTS WITHOUT SUBMISSION OF THE CARDS CHARGING THE ANNUAL FEES AND OTHER FAKE TRANSACTIONS
COMPLAINT NO.2, EXCLUSION OF DATES OF TRANSACTIONS IN ALL EASYPAY MONTHLY TRANSACTIONAL REPORT. CITIBANK IS TO REIMBURSE MY PAYMENTS OF THE BILLS THAT HAVE NO DATES OF TRANSACTIONS DURING THE PERIOD OF XX/XX/XXXX UNTIL CONSENT ORDER IS ISSUED ON XX/XX/XXXX..
COMPLAINT NO. 3, UNAUTHORIZED PAYMENTS FOR UNAUTHORIZED CHARGES. I.E. REIMBURSEMENT BY CITIBANK FOR ALL UNAUTHORIZED PAYMENTS FOR UNAUTHORIZED CHARGES I MADE DURING THE PERIOD OFXX/XX/XXXX UNTIL CONSENT ORDER IS ISSUED XX/XX/XXXX.
COMPLAINT NO. 4, LATE FEES AND INTEREST AND OTHER CHARGES TO MY MONTHLY BILLING STATEMENTS FOR REPAYMENTS PERIOD I FILED COMPLAINT FOR RESOLUTION UNTIL WHEN THE DISPUTE IS INVESTIGATED AND RESOLVED FOLLOWING ORDERS IN CFPB CONSENT ORDER.
3. MY PERSONAL SAVING ACCOUNT WITH ENDING ACCOUNT NUMBER XXXX XXXX
ON XX/XX/XXXX CITIBANK SENT ME AN EMAIL WITH A CAPTION "PRE-CLOSURE ALERT" FOR MY SAVING ACCOUNT NO XXXX XXXX THAT CITIBANK HAD STOLEN ON XX/XX/XXXX ADVISING ME BECAUSE THAT ACCOUNT HAS BEEN INACTIVE AND HAVE A XXXX BALANCE CITIBANK WILL CLOSE IT IN 30 DAYS FROM NOW. THEY ASKED ME TO REFER TO XXXX. SEE ATTACHMENT 3 FILE.
THE BALANCE HAS BEEN XXXX SINCE XX/XX/XXXX BECAUSE CITIBANK WITHDREW MY SAVING ILLEGALLY AND MY CLAIM HAS NOT BEEN SETTLED FOR CITIBANK TO RETURN THE PRINCIPLE OF MY PERSONAL SAVING WITH ITS INTEREST PLUS AN AMOUNT TO COMPENSATE MY SAVING AND THE INTEREST THAT IS FORGONE FROM THE XX/XX/XXXX TO THE DATE WHEN THIS STOLEN IS RESTITUTED. THIS CLAIM HAS NOT BEEN SETTLED AND CITIBANK CANNOT CLOSE THIS ACCOUNT SIMPLY BECAUSE IT HAS BEEN INACTIVE AND HAVE XXXX BALANCE. CITIBANK CANNOT UNDER ANY LAWS CLOSE IT IN 30 DAYS FROM ANY TIME.
THE CURRENT CONSENT ORDER CONCERN THE VIOLATION OF THE TRUTH IN LANDING ACT WHERE AS THIS CASE IS AN ILLEGAL WITHDRAWAL OF MY PERSONAL SAVING ACCOUNT. PLEASE SETTLE THIS ILLEGAL TREATMENT OF CITIBANK BASED ON THE XXXX AND AMERICAN LAWS ON PERSONAL SAVING OR CURRENT CONSENT ORDER AS APPROPRIATE AND IN ACCORDANCE WITH EXISTING VALID LAW.
4. CITIBANK HAS PLACED FAKE CREDIT CARD ACCOUNT ON MY ONLINE ACCOUNT SCREEN.
I WOULD LIKE TO ALERT CFPB THAT CITIBANK HAS PLACED A FAKE CREDIT CARD ACCOUNT. THAT I NEVER HAVE. THIS SUSPICIOULY IS POSTED TO HIDE AND REPLACE MY ONLINE ACCOUNT WITH END ACCOUNT NUMBER XXXX THAT HAVE RECORDED HUNDREDS OF TRANSACTIONS IN YEARS SINCE I OPENED THIS MY CREDIT CARD ACCOUNT IN XXXX. SEE ATTACHMENT 4.
PLEASE NEVER ALLOW CITIBANK TO USE THIS FAKE ACCOUNT /ITS DATA FOR ANY REDRESS PLAN REPORT FOR SUBMISSION TO CFPB UNDER MY OR ANYBODY'S NAME.
5. CITIBANK HAS PERMANENTLY AND UNILATERALLY CHANGED MY ADDRESS I REGISTERED SINCE I OPENED MY CREDIT ACCOUNT IN XX/XX/XXXX.
THERE HAVE BEEN SO MANY LETTERS UNDELIVERED TO ME SUCH AS BANK STATEMENT THAT I USED TO RECEIVE REGULARLY. NOW EVEN THOUGH I PAID Rp. XXXX ADDITIONAL TO GET BANK STATEMENT BOTH IN PAPER AND ELECTRONICALLY I NEVER GET THE ORDINARY MAIL IN PAPER.
PLEASE NEVER ALLOW CITIBANK TO USE MY ADDRESS THAT THEY UNILATERALLY CHANGED WITHOUT MY KNOWLEDGE AND APPROVAL. PLEASE USE THE FOLLOWING ONE :
NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE ALSO NOTE MY FULL NAME, NEVER USE OTHER THAN MY FULL NAME.
I WOULD LIKE TO KINDLY BEG THE REGIONAL DIRECTOR OF THE CONSUMER FINANCIAL PROTECTION BUREAU TO REACTIVATE ALL THESE THREE ACCOUNTS OF MINE TO BE VALID AS REGISTERED AND OPENED IN XX/XX/XXXX FOLLOWING THE REGULATION Z TO BE USED IN THE CALCULATION OF SECTION VIII ORDER TO PAY REDRESS PARAGRAPH 41 LETTER a, b AND c AND TO BE SUBMITED TO THE CFPB REGIONAL DIRECTOR REDRESS PLAN REPORT THAT MUST INCLUDE "THE REDRESS AMOUNT FOR ME AS ONE OF THE POSSIBLE AFFECTED CONSUMERS", AND "THE TOTAL NUMBER OF AFFECTED CONSUMERS INCLUDING ME AS ONE OF THE POSSIBLE AFFECTED CONSUMERS, IN ACCORDANCE WITH SECTION VIII PARAGRAPH 42 LETTERS b AND c OF THE CONSENT ORDER OF XX/XX/XXXX.
ELLIMINATING ALL MY CITIBANK ONLINE ACCOUNTS IS ELLEGAL AND WILL SEVERELY IMPACT ACCURACY AND TRANSPARANCY AND THUS ELIMINATE /DAMAGE MY QUALIFICATION AS LIKELY AFFECTED CONSUMER AND FURTHER REDUCE THE REDRESS AMOUNT/PLAN FOR ME THAT I AM ENTITLED TO.
ATTACHED IS ONE OF THE INFORMATION/DATA THAT CONTAINS AND GENERATED FROM MY CITIBANK CREDIT CARD ONLINE ACCOUNT "TRANSACTION SUMMARY" THIS IS THE DATA THAT WILL BE USED IN THE REDRESS PLAN REPORT FOR CFPB AS ATTACHMENT 2.
I STRONGLY AND LEGALLY OBJECT TO THIS CLOSING AND ELLIMINATION OF MY THREE ACCOUNTS WITH END ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX I THEREFORE KINDLY REQUEST CFPB FOR LEGAL PROTECTION TO ORDER CITIBANK TO REACTIVATE THEM ON MY ONLINE ACCOUNT SCREEN TO BE USED AS ACTUAL DATABASE AND REFERENCES BY ANY AUTHORIZED PERSONNEL TO PREPARE THE REDRESS PLAN REPORT, UNTIL THE REDRESS IS ACCORDINGLY PREPARED, AUDITED BY CFPB AND IMPLEMENTED FOR SETTLEMENT AND/ OR LEGAL CLOSURE OF MY ACCOUNTS . THE CLOSING IS TO BE DONE AFTER BOTH PARTIES HAVE COMPLIED WITH THE EXISTING VALID LAWS AND CONSENT ORDER. XXXX XXXX XXXX AS POSSIBLE AFFECTED CONSUMER/ CITIBANK ACCOUNTS HOLDER
OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/08/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I disputed this company charging me {$3500.00} and produce the service for my child. Citi refused to refund my monies.
Dispute ID : XXXX From : XXXX XXXX, XXXX TO : XXXX Note : No one ever tells you that your son or teenager will get a different coach each week. No one tells you that there is a different coach each week for the parent. I bought their hybrid program which allowed me to get a coach. I assumed it would be the same coach as my son so there would be collaboration. I have asked to get update and I was sold there would be collaboration. As you can see through the threads below, I was sold something completely different.
Copying emails : First time talking to the XXXX XXXX coaching team, start at bottom of thread Hello XXXX, Our team reads notes thoroughly before responding so rest assured that we are all on the same page.
Our primary communication is email. I will try to have a team member contact you.
Meanwhile, I can help you with understanding the program. What specifically about the program do you feel confused about?
Thank you, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, at XXXX XXXX, XXXX XXXX XXXX wrote XXXX Still unhappy, first off I don't know who you are that responded, so this will now go to another person. I don't understand this program and I will like someone to reach out to me personally with a phone call.
XXXX On Mon, XX/XX/2021, XXXX XXXX Support XXXX XXXX XXXX XXXX wrote XXXX Hello XXXX , Thank you for your feedback.
First, I want to thank you for taking the time to write this email. Second, I feel this program will be helpful for your child.
As far as the orientation video, it is designed to speak to all kids. Some teens do need their parents to force them to participate. The video was meant to encourage them to have an open mind. But I can understand your perspective given that your son doesnt like the thought of parental control.
As far as the {$39.00} fee, we advertise that the consultation will be with XXXX XXXX life coach coordinator. It is impossible for XXXX XXXX to coach teenagers all over the country and offer consultations. Thankfully, you decided to complete the consultation and invest into this amazing program.
As far as the technology, this program is designed to develop confidence in teenagers. Technology contributes very little to our ability to transform the lives of teenagers. The investment is not in technology. Instead, you have invested in a team dedicated to help your child reach a higher level of success.
With that said, we are always looking to make our program even better therefore I will share your recommendation with our web developers.
We understand that with any communication there can be miscommunications. This is the reason we have you sign a contract. We want to ensure that parents understand what is included in the program.
We do not initiate any direct feedback to parents. The parents are required to submit a progress report every two weeks. It is our job to work with the teen so that the parents can see a change. We offer parent coaching sessions. At that time, parents may ask their coach about progress.
Week 1 starts the day you sign the contract. There is no set order of participation. In other words, your child can choose to start with video trainings first. Some teens prefer to meet with their coach first. Others sign up on Friday and want to participate in the class first.
There is no right or wrong way to participate.
I know you have shared a few frustrations but ultimately what you want is to see a transformation in your childs confidence.
We are committed to your child and we are here to support you.
We will try every strategy and technique to help you witness a transformation in your child.
I understand that this is an emotional time for you. Please know that you are not alone. We are here to help.
We are looking forward to your progress report in two weeks.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : XXXX Thanks for taking the time today to acknowledge my frustrations. Its a tough situation I am in and in my {$39.00} consultation, I was told that it was a good fit. My son does not live with me, so monitoring him, making sure he does what he should be doing to be successful in this program is pure bribery on my part. But I am also trying to make it his decision as he DOES NOT want to be controlled by me. The father in this picture is not a collaborator of my ideas, but will support what his son wants to do. So this will be on XXXX to do it for himself. He has told me if he DOES do this program that he will only do the one-on-one sessions. I am hoping the right coach will convince him to do the group ones, because what he wants more than anything is to have real ( live ) friends. I would say that would be something of focus for him. He is XXXX XXXX, who has a great personality, but lacks any XXXX XXXX. Determined to be right, determined not to be told what to do, but incapable of doing things on his own in any structured way. He wants to go to college in the fall, but lacks focus to finish online courses for High school. He wants to have a life, which to him means friends and girlfriend someday. His interest at this point is in law as he likes to argue about everything. If he comes across mean or cold, he will just say thats the way I am, I dont talk to people, I dont do this and I dont do that. The best way to approach him is to somehow convince him it was his idea.
My frustrations so far about the program are there are some teenagers that may want to do the program without the forcedness of a parent and that would be my approach because of my situation. So the intro video by XXXX XXXX, was one I didnt really want him to watch. Even mentioning that parents are forcing them to do it is a deterrent for some, especially mine.
My initial impression of charging XXXX dollar to speak to a consultant to sell me the program was a disappointment. When advertised, you get the impression you will speaking directly to XXXX XXXX, while maybe not in the fine print, in the advertisements, it is definitely implied. I would have gladly paid XXXX to talk to him directly, but not a sales consultant. I am a sale consultant, so I understand their role.
The program is a bit expensive for the technology it brings. There should be a separate portal for child vs. parent. This email progress stuff gets lost in all other emails and then its a search mechanism to have to find everything and the progress.
I was also under the impression that there would be direct collaboration between my childs coach and myself. This one the NUMBER ONE reason I signed up for the program. Now I am told I will get notes. This is not acceptable to me. I want live feedback and our collaborative conversation to help my son become successful in your program.
I also need to know if hes watched the videos, done the homework, met with his coach, attend a live session, etc. I need this to work somehow based on my situation. When does week 1 begin?, as soon as he watches videos? After he speaks to his coach? That part is a bit confusing.
I am desperate to make this work for him, I dont get to see him very much because of COVID and his father not letting him visit me without making him quarantine to his room for 2 weeks. Its a very emotional time and he is on his way to becoming an adult and I am begging this program if they dont think that can help him or work within our situation, then please just refund my money and let me move on to something that might be a better fit for him and our unique circumstances.
Thank youXXXX XXXX
|
| 01/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/XXXX, our Costco rewards card through Citibank was declined. We have a {$33000.00} credit line, carry about an $ 8k balance each month, and pay nearly {$3000.00} to $ XXXX monthly on the card. It has always been paid as agreed. We charged about $ 46k last year alone, because we use the card for everything in order to obtain the rewards check.
I logged on to the account to find Citibank had closed the card. I called them and spoke to a customer service rep. He stated he didn't show the card as closed, to refresh my browser, to clear my cookies, and to log back on. It still showed the account closed. Then he stated he had read it incorrectly, Citibank had closed the account, and he could not relay the reason why. He stated we would receive a letter within two weeks.
On XX/XX/XXXX, I received a letter from Citibank stating the account was closed for misrepresenting disputes. It was closed on the same day as a problem with XXXX. I had sent merchandise back, applied for it to be credit to my credit card, but by mistake they issued a gift card. Because I had a previous problem with XXXX delivery service and had filed a XXXX report, they had issued a partial XXXX refund and I assumed the credit I was showing on my account was above and beyond for the hassle. Even in the order history, if I hovered over wheres my refund, it clearly states the refund would be applied to my bank account or credit card. At no time did Citibank ask for supporting documentation from me, which I clearly would have sent upon request because I have their e-mail address at XXXX. I have sent documentation there when requested in the past. I went ahead and sent all the documentation proactively along with an XXXX dispute over expedited shipping that wasnt received within the 1-3 day period. Those were the only two charges I could guess would have problems. In the past, unless Citibank reversed charges because a merchant had finally issued a credit ( or in one case with XXXX it was reversed because we overlooked mailing the package back ), all other disputed charges were always resolved in my favor. Here is how Citibanks dispute process has worked : I dispute the item. Then, Citibank issues me a notice stating they are issuing me a credit. About a week later, Citibank issues a conditional credit on the account. Then I wait about 60-90 days to determine if they need additional supporting documentation from me or if they have resolved it in my favor. This should all be trackable through my account history and e-mail history that Citibank generates. They should be sending out verification to merchants. If the merchant disagrees, then Citibank should ask for additional supporting documentation. If they dont ask me for the information, I assume the merchant has agreed with my dispute or never got around to responding to Citibank which is highly doubtful. No merchant is going to give up money without their side of the story.
So, after receiving the letter, I called Citibank to complain. I asked to speak to a supervisor. Customer service stated they would transfer me to one in disputes. The person transferred me to XXXX. XXXX researched my history, placed me on hold, and stated she spoke to a supervisor. She stated the supervisor stated the account would be reopened if I could supply supporting documentation for the disputes in question. I told her I would supply documentation as requested but would keep the account closed due to how my account had been handled ( I request they close it at the customers request instead of showing it closed by them ). I also inquired about my cash rewards check of nearly {$1000.00}. I had read online Citibank was keeping checks if accounts were closed, which made no sense to me because it is not listed in the cardholder agreement. I ordered one through their website and will provide it for your records. She stated the check had been redeemed at the beginning of XX/XX/XXXX. I stated that made no sense because I received an e-mail stating the check would be issued during the next billing period of XX/XX/XXXX. When I continued to press, I heard a dial tone. She had hung up on me. This should be verifiable through Citibanks phone records and recording of phone calls. I filed complaints with the CFPB and the Washington attorneys general office to alert Costco to the problem. The Washington AG stated they would forward my complaint to your office but that I should also file my own complaint in case my complaint wasnt logged.
Today, I spoke to an XXXX at Citibank through their executive support team. She stated I have a long history of misrepresenting disputes which isnt accurate and they should have been proactively getting my side of the story and asking for supporting documentation from me when problems were arising. She listed several examples : four charges from XXXX, a charge from XXXX XXXX in XXXX, and and charge from XXXX. She claimed these merchants stated I never approached them for refunds of complained about products or services. This isnt true. I have even gone as far to e-mail complaints to all of these merchants in the past and currently have e-mails in to them as well to find out exactly what is going on. Again, all of these were permanent credits by Citibank and resolved in my favor. They should have asked for supporting documentation if they thought the dispute was not legitimate.
Instead, I was told by XXXX that because of the amounts disputed, Citibank just automatically charges them off. I was taken back. If they had a legitimate concern about the disputes in question, they should have reached out to me my US mail, by phone, or by e-mail. I have always been under the impression they are investigating my disputes due to conditional credits applied to the account that are eventually converted to permanent.
During the conversation, XXXX stated they would not be issuing the rewards check because the cardholder agreement states they can keep it. I am including a copy of the cardholder agreement I was sent by US mail and also through their computer generated request for the agreement. She stated they would not be reopening the account despite what I was told on Monday, which I could care less, but it needs to be closed under my name.
In the meantime, I have withdrawn the XXXX, XXXX, and XXXX disputes because I plan on taking those up with the merchant, despite being issued permanent records per the conversation with XXXX I have in e-mails to them and I am waiting on replies. Depending on the replies, I will file additional reports as needed. I am furious they would make this type of accusation. I have also proactively been contacting merchants on disputes I have submitted over the last 90 days to determine issues. I have withdrawn a couple of other disputes because the merchant acknowledged the problem and issued gift cards for the problem. I have followed up with Citibanks billing disputes department with the e-mail correspondence explaining why the dispute has been withdrawn despite the permanent credits, also stating they should be asking for supporting documentation at the time of question rather than letting them pile up. I personally keep documentation until I receive a message that the dispute is resolved. It is ridiculous to throw this on the customer after the fact due because they are inept or too lazy at gathering documentation during the dispute process.
As of XX/XX/XXXX, I have paid off $ XXXX of the balance with a transfer. Another {$1700.00} will be paid on XX/XX/XXXX. This will leave a balance of about {$700.00} to be paid off in the next two weeks.
|
| 06/19/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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XX/XX/2023 - Three fraudulent transactions ( for {$220.00}, {$370.00} and {$130.00} ) were charged to my Macys store card at a Macys store in XXXX, XXXX, NJ ( for a total amount of {$730.00} ). I called Macys to report the transactions. They said they would open a fraud investigation, cancel my card and issue a replacement card, which I accepted.
XX/XX/2023 - As of this date, I had not yet received my new card. However, two fraudulent transactions ( for {$440.00} and {$140.00} ) were charged to this new card number at a Macys store in XXXX XXXX, XXXX XXXX, NJ ( for a total amount of {$590.00} ). At this point, I suspected that my identity had been stolen and recalled that Macys allows customer without their physical card to access their credit line by introducing their SSN at the stores register. That same day, I filed an Identity Theft Report with the FTC and called all three credit agencies ( XXXX, XXXX and XXXX ) to place fraud alerts and freeze my credit. I also called Macys to report the transactions and explain that my identity had been stolen. Macys said they would open a second fraud investigation, cancel my card and issue a new replacement card. However, this time, I clearly refused the replacement card and requested Macys to close my account. The next day, I found out that they did none of these two things.
XX/XX/2023 - Despite having refused a replacement card and having requested Macys to close my account, Macys issued a new replacement card and two fraudulent transactions ( for {$420.00} and {$91.00} ) were charged to this new card number at a Macys store in XXXX XXXX, XXXX XXXX, NJ ( for a total amount of {$510.00} ). I called Macys to report the transactions and questioned why they had issued a new card and kept the account open against my will. Their Customer Service explained that the companys policy is to automatically issue a replacement card when fraudulent transactions are reported and that, in order to prevent the replacement card from being issued, extra steps were required from Macys Customer Service that had not been done by the person who took my call on XX/XX/XXXX. They apologized, said that they would open a third fraud investigation and confirmed that they would cancel my card without issuing a replacement and that they would close my account. Once again, they did none of these two things.
XX/XX/2023 - XXXX received an email from Macys notifying that I had been upgraded to Platinum Status and that I would be receiving new Platinum Macys Star Rewards Card in the mail shortly. I called Macys Customer Service, reported the email and explained that I had not authorized any new cards to be issued and had in fact requested my account to be closed on XX/XX/XXXX. They apologized for the inconvenience and said that they would solve the problem. They obviously did not.
XX/XX/2023 - At this point, I have already requested Macys on 3 different occasions to NOT issue any new cards and to CLOSE my account. However, Macys kept the account open against my will, issued a new replacement card without my will and two more fraudulent transactions ( for {$170.00} and {$110.00} ) were charged to this new card number at a Macys store in XXXX, XXXX, NJ ( for a total amount of {$290.00} ). Since the previous fraudulent transactions were still being charged to my account, these purchases surpassed my credit limit and Macys still allowed the purchases to be made. In fact, at this point, Macys had allowed {$2100.00} in fraudulent transactions to be charged to my account, which had a {$1800.00} credit limit. I once again called Macys to report the transactions and question why they had issued a new card and kept the account open against my will. They explained again that the companys policy is to automatically issue a replacement card when fraudulent transactions are reported and that the previous Macys Customer Service Employee had not taken the required extra steps in order to prevent the replacement card from being issued and close my account. They apologized, said that they would open a fourth fraud investigation and confirmed that they would cancel my card without issuing a replacement and that they would close my account. This time they finally did.
XX/XX/2023 - I called Macys to report that I had received an email regarding undisputed card balance of XXXX with minimum payment required of XXXX by XX/XX/XXXX. At this point, the fraudulent charges made on XX/XX/XXXX and XX/XX/XXXX have been eliminated from my account, but those made on XX/XX/XXXX and XX/XX/XXXX have not. I explained to the employee that they were still charging me 5 fraudulent transactions that had all been reported on the dates in which they were made. The employee assured me that she would report them again and that my statement balance would be updated in 72 hours. I point out that Macys has reported to the credit agencies that I owe them this amount and that this has already affected my credit score. She says that I should not worry, that Macys will fix this issue with the credit agencies as well.
XX/XX/2023 - My XXXX statement arrives. The Balance is still {$1000.00}, but the Minimum Payment Due is {$0.00}. However, the amount of {$1000.00} is still showing on my Credit Report as owed to Macys.
XX/XX/2023 - I received a letter from Macys Fraud Investigation Department dated XX/XX/XXXX. It states that the investigation has been completed and that they have removed all the disputed charges and any related fees and interest charges from my account. They also state that they have updated the dispute to a resolved status with the following consumer reporting agencies : XXXX, XXXX and XXXX. I check my statements online and realize that there is now a balance of {$1000.00}. Macys is still charging me the {$1000.00} plus {$27.00} in interest and is requesting a Minimum Payment of {$38.00}. I call Macys Fraud Department and explain everything for the seventh time. The employee apologizes, explains that apparently no fraud investigation was opened on XX/XX/XXXX and that the other XXXX fraud investigations have already been closed, so she can not do anything else from her department. She asks me to call Macys and Bloomingdales Fraud Claims and Investigations and provides the following number : XXXX. They do not work 24 hours, so I must wait until the next day to call.
XX/XX/2023 - I call Macys and Bloomingdales Fraud Claims and Investigations at XXXX and explain everything for the eight time. The employee apologizes and assures me that all charges and interests will be dropped in the next few weeks. He acknowledges that I have suffered from Macys actions and says that I will receive a call from Management within 48 hours.
XX/XX/2023 - The promised call from Macys Fraud Claims and XXXXnvestigations Management never arrived. However, I did receive a call from XXXX, a number that has been identified in previous lawsuits against Macys as an automatic debt collection robocall used by Macys. I did not answer the call and decided to check my statements. I now have 2 statements. One for my original Macys store card ( the one I reported on XXXX XXXX ) for a total of {$730.00} and another one for the last card ( issued against my will ) for a total of {$330.00} which includes {$29.00} in fees and {$7.00} in interests, and requests a Minimum Payment of {$69.00}. I have also received an email from Macys stating that my Credit Card Payment is Past Due. At this point, I have decided not to call Macys anymore and have instead reached out to a Law Office specializing in Consumer Affairs to let them pursue this legally.
|
| 03/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
The following letter was written and sent on or behalf by our attorney after our personal letters and phone calls with Citibank received no response - at all - from Citibank.
LEGAL MATTER TO BE DIRECTED TO CITIBANK LEGAL DEPARTMENT AND ITS GENERAL COUNSEL To the General Counsel of Citibank , N.A . : I have been retained by XXXX and XXXX XXXX, holders of Citibank credit cards, to file legal action against Citibank as a result of its failure now for more than three months to comply with its legal obligations regarding the fraudulent use of two of the XXXX credit cards despite the fact that they promptly notified the Bank of such fraud and fully cooperated with the Banks investigation of it. Nonetheless, the Bank has wrongfully refused to credit the XXXX for the fraudulent charges, as a result of which they have been forced to seek legal representation.
Although they have brought all of the relevant underlying facts to the Banks attention on numerous occasion, I will do so once more so that there can be no doubt of the Banks unjustified recalcitrance in resolving the XXXX claims and its liability to them to credit all of the fraudulent charges made against their accounts.
More particularly : CREDIT CARD ENDING IN XXXX : On XX/XX/XXXX and XX/XX/XXXX, the XXXX Citbank credit card number ending in XXXX was used fraudulently by someone who somehow obtained sufficient information regarding their card to make forty-three ( 43 ) separate individual fraudulent charges to XXXX without the knowledge or consent of the XXXX and without possession of their card on which these charges were made. The XXXX discovered these fraudulent charges on XX/XX/XXXX, and immediately notified the Bank of them, confirming that they had been fraudulently made. The Bank advised the XXXX that it would promptly open an investigation and credit their account as to ALL of these fraudulent charges, assuring them that, under federal law and Citibank governances, they were not liable for them and that the Bank would absolutely refund the charges and any applicable interest.
To date, three and half months later, Citibank still has not done so, but has reversed only five of the 43 fraudulent charges. During this time the Bank has made repeated unreasonable demands upon the XXXX in more than two dozen emails, claiming that, if the XXXX did not IMMEDIATELY respond to the Banks latest inquiries ( to which the XXXX had already responded repeatedly ), it would close its file without reimbursement of the charges. Notwithstanding the unreasonableness of the Banks demands, the XXXX responded to them all, and, after each, was advised by the Banks representatives that all of the 43 fraudulent charges would be credited in their full amount. Now, three full billing cycles later, the XXXX are still waiting for such credit.
On one of these calls with the Bank, the Banks representative advised the XXXX that each of the 43 fraudulent charges ( all made in the same 24-hour period and all made to the same entity XXXX ) had to be reviewed individually, which was causing the delay, but certainly the review would be completed no later than XX/XX/XXXX. Despite the illegitimacy of the Banks professed excuse for delay, given that the same information applies to all 43 of the charges the Bank has still not credited the XXXX against these charges even after the expiration of its own unreasonable timeline.
The total fraudulent charges made on XX/XX/XXXX and XX/XX/XXXX under the card ending in XXXX were {$8000.00}, against which, to date, the Bank has credited only {$580.00}. If, as the Bank has acknowledged, the facts of its investigation support issuance of a credit for this sum ( not that it could have found otherwise ), how do these exact same facts not justify issuance of the remainder of the credit?
CREDIT CARD ENDING IN XXXX : Because of the fraud on their credit card ending in XXXX, the XXXX replaced that card with one ending in XXXX.
On XX/XX/XXXX, no long after receiving their new card, it was stolen from XXXX XXXX purse while the XXXX were visiting XXXX. Again, they immediately contacted Citibank to advise it of the theft, and also filed a complaint with the XXXX Police Department ( which report has already been turned over to the Bank several times ). This time, obviously, the thieves did have possession of the stolen card, and, despite the XXXX quick action in reporting the theft and cancelling the card, the thieves were able to make three ( 3 ) purchases at XXXX XXXX ( # XXXX ) and XXXX XXXX ( # XXXX ) totaling {$3100.00}.
Despite the XXXX prompt and complete compliance with all of their obligations regarding the reporting of this theft, and supplying all information available to them, the Bank has not, again for more than three months, credited them against these fraudulent charges. Even more outrageously, the Bank advised the XXXX on XX/XX/XXXX, that it was closing its investigating with a determination that {$2000.00} of these charges were not fraudulently incurred. On what basis did the Bank reach this conclusion? On the professed basis, according to their correspondence, that the XXXX supposedly advised the Bank that the credit card had remained in their possession, so that those charges for which the credit card was presented by the thieves had to be authorized!! Trying to give the Bank the benefit of the doubt regarding its totally fallacious reasoning, it appears that the Bank confused the first fraudulent charges ( regarding card XXXX ), for which the card never left the XXXX possession, with the second fraudulent charges ( regarding card XXXX ), for which the card was stolen and clearly in the thieves possession. The Bank needs to straighten out these two claims, which it apparently can not keep separated notwithstanding requiring the XXXX again to respond to literally dozens of emails demanding information from them that they have already repeatedly provided.
Is this how Citibank generally treats its cardholders? It will be interesting to discover that in litigation, should that become necessary, as, to date, it appears that it will be lest the Bank decide to honor its obligations to the XXXX without further delay. If this is indeed how the Bank generally treats its cardholders in an effort to gain an improper financial benefit from them, the Bank may well find itself liable for punitive damages and for a class action suit.
My instructions from the XXXX are to begin drafting a complaint against the Bank, and to file it when ready without further notice to the Bank. It will take me a week to 10 days to do so. This window will represent the Banks final chance to avoid litigation by reversing all of these fraudulent charges against the XXXX credit cards. Absent notice to me that it has done so before the complaint is filed, the XXXX will let the trier of fact provide its verdict, and doubt that any trier of fact will find any sympathy with the Banks unjustified, indeed outrageous, delaying tactics.
One final irony : I personally was the victim last week of credit card fraud in the amount of several thousand dollars. I reported it immediately and my bank handled the entire matter within two hours. That is how banks are supposed to treat their cardholders. It is up to Citibank to choose whether it wishes to learn that lesson the easy way or the hard way.
Nothing in this letter is meant to waive, nor shall or may be construed as waiving, any rights held by the XXXX, all of which are expressly reserved.
Sincerely, XXXX XXXX XXXX Attorney for XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
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| 09/16/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
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I am an account holder at CitiBank. This letter is in reference to the theft by Citi of {$50000.00} from my CitiBank savings account on XX/XX/XXXX. I have never received such poor service and with higher stakes than at the hands of CitiBank. Countless hours have been spent on the phone trying to recoup my funds that were seized by CitiBank due to a bogus fraud freeze by them. I have been hung up on multiple times by Citi representatives, passed around like a rag doll from one department to another - none of whom are able or willing to help solve this issue, and I have been lied to daily since Friday XX/XX/XXXX. In short - I need your help.
Below is a timeline of events.
Friday - XX/XX/XXXX - I requested on the CitiBank website a wire transfer in the amount of {$50000.00} to be sent to my real estate closing company, XXXX XXXX XXXX XXXX, XXXX, TN. I am buying a home. The routing & account numbers were verified by my mortgage company and by me before initiating the wire transfer. I initiated the transfer request around XXXX XXXX and within minutes, I received an email message that the transaction was flagged and cancelled and my account was frozen for suspicious activity. I called CitiBank multiple times trying to regain access to my account. Each time, when I would give my phone number ( the only phone number I have had since XXXX ), I was told no - they needed another number. I was hung up on because I could not provide the CVC number on the back of my ATM card. I tried to explain that my ATM card was not XXXX branded XXXX so therefore, it does not have a CVC number on the back. I WAS TREATED LIKE A CRIMINAL AND HUNG UP ON. After calling back, I was sent to someone in IT who told me I would need to visit a branch to prove my identity. The problem is - Citibank bills itself as a " Global '' bank with an online presence. I am in XXXX, TN so my nearest branch by my estimation is in XXXX, IL. That is not a good policy or practical advice by your company. I was finally able to speak to someone in customer service, and after begging him to help me, was able to connect me to someone who would unlock my account. At this point - I have my account unlocked and the original wire transfer for {$50000.00} ( Citibank 's daily limit for my account ) was cancelled. But I still needed to initiate the transfer again because my closing date for my home was XX/XX/XXXX. In the evening of XX/XX/XXXX, I again called CitiBank wire services ( XXXX ) to notify them that I needed to initiate the wire. I was given the go-ahead by a very nice lady. But she told me to call another number on Monday morning to make sure they were aware and to verify the transaction ( XXXX ). I thought everything was taken care of and I went ahead and re-submitted the wire request for {$50000.00}.
Monday XX/XX/XXXX - The total amount due from me at the closing table for my real estate transaction was {$98000.00}. Again, Citi limits wire transfers to {$50000.00}. Because it could take 48 hours ( or so I was told ) for a wire transfer to complete by CitiBank, I requested a 2nd wire transfer in the amount of {$48000.00}. After XXXX, I was able to reach a representative at XXXX who rudely dismissed me when I tried to call to verify that these were actual transactions. She didn't know why I was calling and was obviously inconvenienced, so she told me to call Citi Wire Services at XXXX ( remember - these were the same people who told me to call her in the first place ). I called Citi Wire Services and the representative seemed confused and assured me that the {$48000.00} transaction was received and would be processed. He told me the 2nd {$50000.00} transaction had been cancelled, however, which was confusing to me because both transactions showed pending in my account. So I waited.
Tuesday XX/XX/XXXX - I was getting nervous at this point based on my experiences so far with CitiBank. I called again to check the status of the wires to make sure they were going to be processed for my real estate closing. I spoke to a nice gentleman who said that Citibank had been trying to contact me to verify the transactions ( no one had called my phone and no emails were sent ). He asked me some personal questions and stated he verified the transactions. This was untrue.
Wednesday XX/XX/XXXX - Closing day. My wire transfers were still showing pending in my account. I contacted Citibank by chat, by phone, and finally spoke to someone who was able to verify the 2nd transaction for XXXX and pushed it through immediately. I saw the status change in my portal and was informed quickly that XXXX XXXX XXXX XXXX had received it. But what about the {$50000.00} transfer that still showed pending in my account and had been debited from my balance? The representative stated that it had been cancelled by Citibank Fraud Dept., but that the money needed to be sent back to my account. She told me it would arrive in 15 minutes. It did not. I called Citibank back after three hours and spoke to a very nice lady named XXXX who told me the same story, but she said it would take another day to receive the funds back in my account so I could then re-submit the {$50000.00} wire transaction. I thanked her and hoped I would see my money restored in the morning.
Thursday XX/XX/XXXX - Day 7. {$50000.00} is still missing from my account and I have a pending wire transfer that can not be explained by anyone because the Citibank representatives state it was cancelled by Citibank Fraud Dept. I started calling Citi around XXXX XXXX today and spoke to countless individuals. I was hung up on multiple times during " transfers '' to other departments and spent a total of nearly 3 hours waiting on the phone for answers. The last thing I was told today was that the Fraud department is currently conducting an " investigation '' into the {$50000.00} pending request for a transfer to the very same recipient that CitiBank approved me to send {$48000.00} to. I asked for a timeline, but this representative would not commit. I asked if it could be weeks or months ( as I have read about others ' experiences with Citi ) and she did not deny it.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have now signed closing papers for a home that I can not be given the keys to and that I am unable to fully fund because of Citi 's negligence, ineptitude, and apparent theft. I am now being accused by the seller of not having the funds to buy the home ( I did have the funds until Citi seized them ) and this will likely cost me thousands of dollars in litigation against me, additional interest charges if I lose my rate lock from my mortgage broker, or both.
The homebuying process should be a happy time. A time for new beginnings. A time to reap the rewards of one 's hard work. And a time to celebrate a bright future. Instead, Citibank has not only stolen {$50000.00} of MY MONEY for my down payment, but it has also stolen my joy. I feel defeated by this turn of events and am now trying to go down every avenue I can to recoup my money.
Please help me. If this were happening to XXXX XXXX XXXX accounts, how long would it go on? Give me the same consideration and experience. I appreciate the extra layers of fraud protection, but at some point, if the system is not working the customers are harmed. I have never had a mistrust for banks or financial institutions. In some ways, our local banks are cornerstones of our communities. But Citibank has shown me that there are bad players in the banking world. I just hope I don't become a permanent victim of their apparent malfeasance.
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| 09/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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This issue has been going on for almost a month. I have called Sears Citibank MasterCard SEVEN times and have sent repeated online messages. Either I get NO response/action, or the person makes the issue WORSE. Here is a chronological summary : XX/XX/XXXX Sears Citi MasterCard promotional offer XXXX activated online, No interest if paid in full within 18 months on each eligible purchase of {$540.00} or more.
XX/XX/XXXX I paid my XXXX XXXX XXXX in ONE transaction of {$770.00} using Sears Citi MC ( for two policies homeowners {$450.00} and the auto {$320.00} ). XXXX confirmation number conf XXXX.
XX/XX/XXXX Two emails received from Sears Citi, one saying : Your Sears Mastercard ending in XXXX was recently used at XXXX XXXX XXXX for a purchase in the amount of {$320.00}. The other Your Sears Mastercard ending in XXXX was recently used at XXXX XXXX XXXX for a purchase in the amount of {$450.00}. Since I made ONE transaction for the sum of those two amounts, I was concerned that the promotional rate was not being applied.
XX/XX/XXXX Call 1 : Called Sears Citi MC ( XXXX ) and was told that the charges hadnt posted yet, and that I would have to call back in a few days.
XX/XX/XXXX Call 2 : Called Sears Citi MC and explained the following to the representative. I used this promotional offer KNOWING that I was making ONE transaction of {$770.00} that would meet the criterion of {$540.00} or more. I understand that XXXX apparently sent it to Sears as separate transactions, however, explained that Sears Citi MC could see that it was the SAME vendor with the transactions made at the exact SAME time. I asked Sears to recognize this and apply the promotional rate. The representative did not understand the request. I asked to speak to a supervisor and was cut off.
Call 3 : Called Sears Citi MC back immediately and after explaining everything from the beginning, the representative said that a referral was submitted and that I would get a letter 7-10 days.
XX/XX/XXXX No confirmation of any action or investigation received from Sears, and no indication of any change online.
Call 4 : Called Sears Citi MC to confirm that something was being done, since there no indication of any action, and no letter received. Representative answered that they could see it was referred on the 27th but no other info. Asked if they could at least tell me what the letter was supposed to do, and asked to speak to a supervisor ; put on hold, then cut off.
Call 5 : Called Sears Citi MC requesting to speak to a supervisor, put on hold, and was told that they dont have an answer yet and are still processing the referral, and should have an answer this week or next week (! ) XX/XX/XXXX No letter, no response, no confirmation of any action received. Online transactions look the same.
Sent online Secure Message at Sears Citi website. As soon as I submitted, received the response This service is temporarily unavailable. Please try again later. No response received, no acknowledgement of message. Tried AGAIN, same thing.
Text of Sears online message sent XX/XX/XXXX : I have called FIVE times about a transaction on XX/XX/XXXX that was for {$770.00} from XXXX XXXX. You processed it as TWO transactions {$450.00} and {$320.00}, making it ineligible for the promo rate I intended ( offer XXXX ). I was told that is how XXXX billed it, but I asked you to review it and process under the offer since it was made to the SAME company at the SAME time ( on XXXX 's site I made it in ONE transaction paying two policies ). As if that wasn't enough of a problem, I've contacted you on XX/XX/XXXX, XX/XX/XXXX, again XX/XX/XXXX after you cut me off, XXXX and XXXX again after you cut me off. On XX/XX/XXXX I was told that I could NOT speak to a supervisor, but it was being referred and I would get a letter in 7-10 days. On XXXX I was told that it had been referred, but was still processing and that I would get a letter " this week or next week. '' WHAT? I will eventually get a letter??? That's the answer? I still have NO letter and this has been going on for 19 days. ONE person should have been able to handle this in ONE phone call.
XX/XX/XXXX No letter, no response, no acknowledgement of message.
Initiated Two transaction disputes online at Sears Citi MC website, these included screenshots of the split transactions made at the same time total {$770.00} at XXXX. The disputes clearly acknowledged that the purchase was made but that the dispute was over the promotional rate not being applied.
Included XX/XX/XXXX in disputes : If you review these two transactions you will see that they were made at the same company ( XXXX ) at the EXACT same time. Thats because I deliberately paid in ONE transaction so I could use the Sears MC promotional offer for purchases of {$540.00} or more.
XX/XX/XXXX Received email stating that I had a new document at Sears Citi online. The document stated that Weve made the following adjustments to your account to accommodate this correction : 1 ) The purchase will be placed on a 18 month promotion within 10 days of the date of this letter I believed this matter was resolved, however, this was followed by two more documents stating that you investigating the disputed amounts of {$320.00} and {$450.00}.
XX/XX/XXXX Received email stating that I had a new document at Sears Citi online. The document stated that In order to assist you or to complete the processing of your request, we need to speak with you at your earliest convenience. Additional information is required. Unfortunately, the contact number was the general Customer Service line, where trying to reach a person is difficult. When I did get a person, I was on hold for 9 minutes, while the representative first said she was going to transfer me to the Disputes Dept, but then couldnt find the dispute ; and then stated that she would transfer me to the Dedicated team, but could not do so due to technical difficulties and that I should call back in a few hours.
Online account continues to show a {$770.00} difference between the total balance and promotional balance.
Online Secure Message sent, however, again received This service is temporarily unavailable. Please try again later.
XX/XX/XXXX Received Thank you for your message acknowledgement.
XX/XX/XXXX No change in online status.
Call 6 : Called at XXXX XXXX, on hold while XXXX attempted to connect me with a specialist, his manager. On hold 25 minutes, when XXXX, manager answered and reviewed the notes. She saw letter that the {$770.00} would be applied to promotion, but that it still hadnt been, and that my balances still showed a discrepancy. On hold again, then replied that she would get it corrected ASAP. Told her I would wait three days and if not corrected would have to contact regulators since it would be one month that this very simple issue had not been addressed.
XX/XX/XXXX Logged on to check any activity. Now Sears has credited and charged me {$770.00} AND a new balance TRANSFER FEE of {$30.00}! I did NOT authorize a balance transfer or balance transfer fee.
Call 7 : Called to object to the new balance transfer fee and spoke to Specialist/Manager XXXX and told her than Manager XXXX yesterday said she was having it corrected. XXXX sees the referral for correction and said it sometimes takes 10 days. Told her this was NEW! The apparent correction cost me a new fee! I did NOT agree to any balance transfer fee. She had to check with another Specialist to review it. After checking she said that it would take one to two billing cycles to remove the {$30.00} fee!
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| 01/25/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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On XX/XX/XXXX I received a phone call from the fraud department at Citibank. It was regarding some fraudulent activity that was presenting against my checking account with Citibank. I had had an account with Citibank for about 6 years and this was the first time I have been having difficulties with fraudulent activity. In order to prevent future fraudulent activity on my account the representative requested that I open a new checking account with Citibank. About 2 1/2 weeks later I received a new account checking number along with new account information which included a brochure. As soon as I received the new account number and new account information in the mail I contacted Citibank regarding the new debit card associated with this new checking account. It was at that time that I was advised by the representative that since I had beenJust sent a new debit card that I would not be needing another debit card sent to me for the new checking account. I requested confirmation that no other information would be needed from me regarding the establishment of the new account. My direct deposit paycheck was still being deposited into the old account however at my request the account had been blocked and no debit transactions could be presented against it. For the next 2 1/2 weeks I would repeatedly contact Citibank regarding concerns stemming from opening the new account. For example I was needing a copy of a voided check in order to provide my employer with bank routing information regarding the new account. On XX/XX/2019 I finally received two checkbooks which I was able to provide my employer with a voided copy of one check in order to transfer my direct deposit paycheck. On XX/XX/2019 I was out of town and attempted to use my debit card to fill up my car with gas. My debit card was denied and I immediately contacted Citibank. It was at that time that I was advised by the representative that my account had been closed due to not receiving specific paperwork in order to validate my mailing address. I advised the representative that I had at the time that I was not advised of any request for paperwork. I requested additional information regarding the paperwork that they were requesting and how they had advised me of their request. The first representative that I spoke to stated that my mailing address needed to be confirmed and that a utility bill in my name was also needed. When I advise the representative that Id never been informed of any such request I was told that this information would have to be research in order to verify when the information was sent to me. I advise the representative that I was out of town and that I had no means to be able to access any of the funds available in my account with the cancellation of the debit card that was associated with both the old and new accounts. The representative at that time told me that they would be mailing me A new debit card priority overnight XXXX XXXX. Next day I received a new debit card via federal express. However I was advised that that new card was also blocked due to the closure of the new account. The representative that spoke to at that time assured me that they would be able to submit a request for another debit card to be sent to me priority express XXXX XXXX the next morning. When I requested for the funds that were in my new account to be transferred back to my old account Where they were initially transferred from. Again left in a position without access to any funds in my account I was on the phone with a representative for over 2 1/2 hours as she reviewed the account history and was unable to come to an understanding as to why their account was being closed despite the documented history of having an open account with Citibank for several years it was at that time on XX/XX/XXXX that the representative advised me that she could guarantee that the new card would arrive first thing in the morning and would not be locked or blocked she also assured me that she would be filing a grievance internally to address the errors that were being made on my account. After work on XXXX XXXX I contacted Citibank again to request information dates and departments information regarding the complications with my case. It was at that time that I was advised by the representative in the account services department that the new a card that was sent to me today was now again blocked and at my old account which I had had for several years was now subject to be closed as well when I requested information regarding the closure of the old account she stated that she wasnt sure however it probably stemmed from the request, initial request of a utility bill or a credit card statement to verify mailing address for the new account. When I advised her that my mailing address had been verified on multiple occasions she advised me but I would have to call back again tomorrow to clarify the reasons for closing of the old Account. Despite my initial request of having my funds transferred over from the new account to the old Account from which the funds initially were deposited into for my employer the representative advised me that a check was mailed and that I could receive the check anywhere between 7 to 14 days. Again leaving me without access to my funds or provide me with any legitimate information regarding the issues surrounding my case. I plead with you to please assist me in addressing these issues. I have multiple bills that I was supposed to have paid and have no access to any funds now or any means to even begin to understand what is going on. For two days in a row I was provided with erroneous information and was sent priority overnight federal express new debit cards that were canceled before they were even activated. Its abundantly clear that theres an internal problem at Citibank that theyre able to waste such resources in sending debit cards priority XXXX XXXX and then immediately blocking those cards. At this point I would just like to withdraw all of my money which is over {$700.00} however Im being told that a check was being is now being mailed to me and I wont have access or availability to my funds for close to two weeks. By the time that the check arrives and I open a new account with those funds I will not be Until the check is able to clear adding another 3 to 5 days. I understand that this is not a lot of money and for most people it would be nothing however I am a XXXX XXXX that works for XXXX XXXX XXXX that works for XXXX XXXX XXXX and I do not make a lot of money. This kind of mixup has really put a financial strain on me and is now incurred extra charges from automatically deducted payments that were set up to be debited from my account. Without exaggeration Since the opening of the new account in XXXX I have called Citibank repeatedly several times a week. Not one time was I advised by anyone during those phone calls that paperwork was pending in order To validate the opening of a new account. Even now despite me having called Citibank multiple times today XX/XX/XXXX regarding the closure of the new account and the submissio to validate the opening of a new account. Even now despite me having called Citibank multiple times today XX/XX/XXXX regarding the closure of the new account and the Sending of a new debit card I was just advised that the new debit card would be closed because the old account is now subject to be closed as well. I am tired of trying to figure out what is going on and how someone can block access to my very hard earned money.Please assist meThank you
|
| 12/08/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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This complaint is directed to Citibank 's mishandling of customer 's funds without proper explanation and failing to provide a meaningful way of communication to resolve the issue.
Citibank removed {$14000.00} from my checking account ending in XXXX on XX/XX/2023. The transaction was labeled as an adjustment. There was no prior communication or notification from Citibank regarding this transaction. Later, I received a letter ( attached herein ) from Citibank dated XX/XX/XXXX stating that the transaction was due to a prior error, without explaining the error itself or why I should be the one paying for the bank 's error. I called Citibank four times regarding this issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but was not given a confirmed answer. People who answered the phones, including the supervisor, took guesses as to what was going on and referred to a " back office '' that handles the issue. However, I was not able to speak to anyone in this " back office. '' Thus, Citibank effectively refused to explain to me the reason for taking my money and shut the door to speaking to anyone that actually handles the matter. I am left with no choice but to complain hoping that someone would look into this matter and give my money back.
Taking a step back, based on the information that I gathered during the XXXX calls, this transaction may be related to a prior check fraud claim that was closed more than 2 months ago. Citibank 's customer service essentially blamed me for not responding to their information request. However, as can be seen from below, this allegation is baseless and contradict the evidence presented here. I also personally found it offensive to be blamed in this manner. Below I lay out the facts and my observations of the check fraud claim in chronological order to show why such allegation is erroneous.
On XX/XX/XXXX and XXXX, XXXX : XXXX checks were cashed from my Citibank checking account ending in XXXX ( my " old account '' ) and a total fund of {$41000.00} was deducted from this account. The checks were deposited on either XX/XX/XXXX or XX/XX/XXXX. I did not issue, I did not recognize, and I do not benefit from these XXXX checks.
On XX/XX/XXXX : I called Citibank and filed a check fraud claim against these XXXX checks. I also opened a new Citibank check account ending with XXXX ( " new account '' ) and moved all my remaining funds into the new account, as advised by Citibank. The above discussed transaction on XX/XX/2023 was on the new account.
On XX/XX/2023 : My old account was reimbursed with the total fund of {$41000.00} with XXXX transactions, the description for all transactions is 'returned check '.
On XX/XX/2023 : I received a letter from Citibank stating that the check fraud claim was denied because the checks were returned unpaid. The letter is attached here.
On XX/XX/2023, XXXX transfer funds {$41000.00} from my old account to my new account.
On XX/XX/2023, I closed my old account after moving all remaining balance from my old account to new account. Citibank has put a restrain on this old account, I can not use this account anymore thus I decided to close it.
On XX/XX/2023 : {$14000.00} was removed from my new account by Citibank and the transaction was labeled as an adjustment. The amount is the same as XXXX of the XXXX fraudulent checks.
On XX/XX/2023 : I called customer service to inquire about the transaction for the first time, once I discovered this transaction. The customer service said this transaction was handled by the fraud department and I can only call back after the XXXX holiday. On XX/XX/2023 I called the customer service again. My line was transferred XXXX times to different divisions. Finally, I was told that Citibank sent a letter to me on XX/XX/2023 to request a statement of unauthorized use form ( " form '' ). Because I did not send back the form, my check fraud claim was denied. And because the check fraud claim was denied due to my failure to respond, they removed {$14000.00} from my new account.
This explanation provided on XX/XX/XXXX is problematic for at least XXXX reasons. First, the reason for denying my check fraud claim contradicts what the XX/XX/XXXX letter states. The XX/XX/XXXX letter states that the reason is that checks are returned unpaid. Thus, the check fraud claim was actually rendered moot because the money was returned, not that I failed to provide any requested information. Second, the claim was denied 2 days after the claim was filed. 2 days is not a reasonable time period for me ( or anyone ) to even receive a letter from Citibank, let alone return what was requested in the letter. Thus, even assuming that a letter was sent out on XX/XX/XXXX requesting the form, I wouldnt have received that letter by the time Citibank rejected my claim on XX/XX/XXXX. Third, I never received this XX/XX/XXXX letter requesting the form. In fact, I suspect that Citibank never sent this XX/XX/XXXX letter out because they were able to get the money back and close the case without conducting any investigation. But now, Citibank is using my nonresponse to their XX/XX/XXXX letter as an excuse to take my money from my new account. This is unacceptable in another sense that Citibank promised me that my old and new account are totally separate. Because my old account is comprised, I specifically confirmed with them whether any suspicious activities will carry over to my new account.
Without acquiescing to the allegation that I failed to respond to the letter requesting the form and solely to expedite the process, I visited a Citi branch XXXX in XXXX XXXX XXXX, XXXX, MD XXXX and obtained a copy of the form on XX/XX/2023. I have sent the form over to Citibank.
On XX/XX/2023 : I received a letter dated XX/XX/2023 ( attached ) from Citibank stating that my money was removed from my account because of a prior error. The letter does not explain what and whose error it was. I called the number on the letter. But once again, the person who answered the call refers to the " back office '' that may be handling the matter. I was not offered an opportunity to speak to anyone in this " back office '' and was told to wait without any specific information regarding what was going on or when I will be contacted.
In summary, Citibank took my money with no prior notification, refused to provide a meaningful communication to inquire, and blamed me for their own mistake. The only communication method I was provided is waiting for their phone call. However, this is extremely inefficient. The only time they will call me is when I was unable to answer the phone call ( e.g., in middle of a work meeting ). XXXX time I picked up the phone and ask them call me back in XXXX minutes, but of course no one called back. Every time I reach out to the customer service, I need to explain the whole situation, waiting for my line to be transferred ( potentially multiple times ), never got useful results from these lengthy phone call. Moreover, I am at XXXX weeks pregnant at the moment of filling this complaint. Given my inconvenient situation, I have asked whether they can contact my husband instead with my authorization, or send me email. They refused saying they are not allowed to send emails to clients, and I have to be the one they talk with. I don't feel secure about depositing fund in Citibank as they can withdrawal it anytime without appropriate explanations. Though I have been banking with Citi for more than 10 years, I don't feel be treated fairly when unexpected frauds happen.
|
| 11/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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To Whom It May Concern Hello. I received a legal summons on Sunday XX/XX/XXXX and am writing a letter to request help as I really do not know what to do and I can not afford to pay for a lawyer. In addition, I feel that I am being unfairly sued. According to XXXX XXXX I, XXXX ( as assignee of Citibank ), I owe the creditor {$1300.00}. I feel that this so-called " debt '' is being requested in an unrighteous manner, and after doing a bit of research online, I seek to formally deny this complaint based upon the following reasons : 1. Statute of Limitations for California : Too much time has passed from the time that this money was credited thus the creditor has no right to the money anymore. According to California law, there is a statute of limitations of four years for all debts except those made with oral contracts. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. I have saved files from Citibank that go back as far as XXXX and the very last payment that I have records of according to my bank statement was made in XXXX of XXXX for {$2800.00}. Thus, I no longer owe this creditor any money.
2. The debt has been sold to too many collection agencies thus I no longer owe this money to Citibank that was the original creditor with which I entered into a contract several years ago. I have a general habit of saving all my paperwork over several years and the information that I found is as follows : I received the first letter from collection agency, XXXX, XXXX XXXX XXXX a collection agency in XXXX, Ohio on XX/XX/XXXX offering a debt settlement. I then received a second letter from a different collection agency, XXXX XXXX I, XXXX on XX/XX/XXXX indicating that they were now the creditor for the account and that I owed XXXX.. Next, the third letter I received was again from XXXX, XXXX XXXX XXXX , offering a settlement of {$570.00}. ( This by the way seems unlawful to me because there were two collection agencies that Citibank apparently had sold the debt to requesting different amounts of money ). Then on XX/XX/XXXX, I received a fourth letter from XXXX XXXX XXXX XXXX XXXX in XXXX, IL expressing an outstanding account with their organization and that they were willing to accept {$420.00} in one payment. I then received a fifth letter on XX/XX/XXXX from XXXX XXXX XXXX informing me that I owed a debt of {$1300.00}. The next letter ( the sixth ) I received again from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX showing that I had an outstanding Citi Mastercard account with various payment options. The seventh letter I received was from XXXX XXXX XXXX XXXX in XXXX, CA offering various settlements for the balance of {$1100.00}. I received an eighth letter on XX/XX/XXXX again from XXXX XXXX XXXX asking for total due of {$1300.00}. Lastly, I received a ninth letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX also requesting a payment. This original debt has just been in the hands of too many collection agencies and I do not believe that I owe Citibank any longer especially since the credit limit of the original account was {$1100.00} and although I made regular payments several years ago, the full balance that is being unfairly requested is over {$1300.00}. It just does not make sense.
3. I made a good faith attempt to pay the apparent debt / balance on several occasions. For instance, when I originally opened an account with Citibank in XXXX, I made regular payments in a timely manner. More recently, XXXX XXXX XXXX requested money from me and without questioning the matter, I just gave them the bank information they requested, planning to make regular small payments ( which I really could not afford as it would cause me hardship due to my XXXX and lack of income ).
However, I received a letter from this institution informing me that the wrong account information was given to them and that they could no longer accept any check payments from me. I immediately called this company back to resolve the issue. I had in fact given them the correct account information ( perhaps it was missing three XXXX in the beginning ) but my account number was correct as that is the one I always use when I access funds with my local bank XXXX XXXX XXXX. Yet, although I explained the simple error and nicely asked if they could work with me and still accept monthly payments via check, they refused to offer me another chance to conveniently pay with my checks and only would accept money orders or cashier 's checks. It was really surprising to me since I was cooperating with them and was willing to pay this balance that they claimed I owed.
4. I am a XXXX and unemployed graduate student whose sole source of income has been from the Social Security Administration ( Disability ) and educational loans & grants for the past several years. I can not afford to pay this amount of money as it would put me at a serious disadvantage financially to a point where my health and well-being will be at great stake. When I made larger sum payments to Citibank several years ago ( for {$2800.00} - the most recent payment which was in XXXX of XXXX ), I was actually using money I received from student loans. I just could not do this anymore so I allowed my credit cards to all charge off.
5. Misrepresentations about the debt ( including the amount owed ) : I originally entered into a contract with Citibank and since they sold my debt to several other creditors, I no longer owe Citibank any money. I have a copy of the application approval letter that I originally received from Citibank, dated back to XXXX. I let the cards charge off sometime in XXXX and it is now almost XXXX.
6. Unauthorized withdrawals to my checking account : A company ( I'm not sure which one specifically ) kept withdrawing money from my bank account on a monthly basis ( I think it was {$36.00} ) without my authorization. Moreover, the e-check that was fraudulently written by me had no corresponding name associated with it so I had no idea whom to contact to dispute this. I filed a complaint with my bank and finally this company ( whichever one it was ) was unable to withdraw money from my account any longer. The summons claims that my last payment to " the creditor '' was on XX/XX/XXXX. However, I obtained a copy of my bank statement from that month and there was no name " Citibank '' on any of the checks that were withdrawn. There was a mysterious charge of {$36.00} ( on XX/XX/XXXX ) from which company of which I am not aware.
But in terms of an AUTHORIZED withdrawal from my checking account, the last that I have record of with the corresponding name " Citibank '' was ( again ) back in XXXX of XXXX. I have copies of my bank statement to prove this.
I genuinely need help with this lawsuit as I am unfortunately very foreign to this whole process ( Ive never been sued before ). I have records showing regular payments that were made to Citibank several years ago. They were also consistent and timely. I unfortunately had to let most of my credit cards charge off because I was drowning in debt and being someone who has a variety of medical issues including medical expenses, this is a very scary reality. I really would rather not file bankruptcy over something around the price of {$1000.00}. It just does not seem logical to me. I sincerely hope that someone will be able to assist me with this legal matter involving debts or balances that I believe I no longer owe. Thank you kindly for your time.
Sincerely, XXXX XXXX XXXX
|
| 11/25/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved.
Pursuant to 15 USC 1692a ( 6 ), Citigroup XXXX XXXX CitiBank N.A. is a debt collector.
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end consumer credit plan for account ending in XXXX, have been violated by Citigroup XXXX XXXX CitiBank N.A. pursuant to several federal consumer protection laws.
I sent a tender/money order on XX/XX/2021 pursuant to 12 CFR 204.2, U.C.C. 3-601, U.C.C. 3-603, U.C.C. 3-604, U.C.C. 3-311. Citigroup XXXX XXXX CitiBank N.A. did not adjust my account in accordance with the tender sent nor did they send proper notification that they dishonored my tender. In response, on XX/XX/2021, I sent a Notice of Default and Opportunity to Cure to CitiBank 's payment center address and a Notice of Default and Opportunity to Cure to CitiBank 's Corporate Headquarters ATTN the CFO XXXX XXXX, giving them the opportunity to send confirmation that my account/open end credit plan had been adjusted in accordance with the tenders in full settlement of the alleged obligation sent on XX/XX/2021 or send a Notice of Dishonor to allow me to cure any defects. Citigroup XXXX XXXX CitiBank N.A. failed to do either and continued to attempt to collect the disputed alleged obligation and report to third party reporting agencies while ignoring my dispute.
I decided to give Citigroup XXXX XXXX CitiBank N.A. XXXX more chance in a good faith attempt to obtain satisfactory resolution of a disagreement or problem relative to the transaction from the person honoring the credit card. I sent a Affidavit of Truth on XX/XX/2021 to Citigroup XXXX d/b/a CitiBank N.A., with seven ( 7 ) attached exhibits, to give them an opportunity to rebut the statements of truth-in-fact on the alleged debt they are still attempting to collect for the account number ending in XXXX.
The statements of truth-in-fact regarding violations are as followed ( I have attached every supporting document/exhibit listed in this Affidavit of Truth to this complaint ) : 1.Fact, The Affiant is the Genuine Creditor 2.Fact, You are the Debtor 3.Fact, You are a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) 4.Fact, The Affiant sent Exhibit B via Exhibit C to Citi Bank XX/XX/2021 5.Fact, In Exhibit F, You have lowered Affiants credit limit on the account ending in XXXX with no authority to authorize such action in association with Affiants credit card or any account associated with Affiants open end consumer credit plan. Unauthorized use is described in U.S. Code 1602 ( p ) 6.Fact, following the actions stated in line 5, In Exhibit G, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692d ( 1 ) - use of criminal means to harm the reputation of Affiants person.
7.Fact, following the actions stated in line 6, In Exhibit G, You are violating Affiants rights as a consumer pursuant to 15 U.S Code 1681a ( 2 ) ( A ) ( iii ). Affiant was not given the opportunity to opt-out of having this reported information about account ending in XXXX not being reporting on Affiants Consumer Report and File.
8.Fact, following the actions stated in line 6, In Exhibit G, You are Violation Affiants rights as a consumer pursuant to U.S. Code 1681b ( 2 ). Affiant never gave You written instructions to furnish or report the account ending in XXXX to any third party.
9.Fact, In Exhibit A You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692j ( a ) furnishing certain deceptive forms 10.Fact, In the initial correspondence, Exhibit A, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692e ( 11 ) failure to disclose that you are attempting to collect a debt 11.Fact, In Exhibit A and Exhibit F, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692f ( 8 ) using language or symbols on the envelope and in the contents of the communication that indicates you are in the debt collection business 12.Fact, In Exhibit A, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692e ( 2 ) ( A ) the false representation of the legal status of this alleged debt 13.Fact, You have acted in dishonor by not applying my deposit, Exhibit B, defined in 12 CFR 204.2, which violates FDIC regulations 14.You have acted in dishonor by not honoring Exhibit B, pursuant to Public Law 73-10 and Uniform Commercial Code 3-603 Citigroup XXXX d/b/a CitiBank N.A. did not respond to nor rebut my statements of fact, have continued to report to third party reporting agencies, and have continued attempts to collect the disputed alleged obligation. In their continued attempts to collect the disputed alleged obligation, Citigroup XXXX XXXX CitiBank N.A. repeatedly violated SEVERAL of my federally protected rights as a consumer in every communication with me. In response to the abuse and violations and the continued disregard to my good faith attempt to obtain satisfactory resolution of a disagreement or problem, pursuant to 15 USC 1692c ( c ), I sent a Cease and Desist demand to Citigroup XXXX d/b/a CitiBank N.A. on XX/XX/2021 with three ( 3 ) exhibits containing each violation I found labeled and highlighted, as well as an attached invoice for the violations pursuant to 15 USC 1692k and 15 USC 1681n. In addition, pursuant to 15 USC 1692c ( c ) ( 2 ), I invoked my specified remedy as a consumer, natural person, and the ORIGINAL creditor and demanded the following : 1. Zero out the balance on this account 2. Apply a permanent credit to XXXX XXXX XXXX open end consumer credit plan account ending in XXXX in the amount of {$10000.00} 3. Pay the invoice attached for breach of violations and damage sustained in the attached exhibits. Citigroup XXXX XXXX CitiBank N.A. received the Cease and Desist, exhibits with violations, and invoice, on XX/XX/2021, as verified by the USPS green return receipt returned to me. Still, Citigroup XXXX XXXX CitiBank N.A. has continued to attempt to collect the alleged obligation and report to third party reporting agencies while ignoring my dispute and cease and desist, therefore continuing to violate my federally protected rights. They recently furnished a late payment to third party reporting agencies AFTER ignoring my good faith attempts to obtain satisfactory resolution of a disagreement or problem which is a violation of the Cease and Desist pursuant to 15 USC 1692k, and This adverse action was a failure to comply with the correction of billing error. This individual act by Citigroup XXXX XXXX CitiBank N.A. forfeits their right to collect any disputed amount indicated by the obligor and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} pursuant to 15 U.S. Code 1666 ( e ). Adverse reporting includes any reporting toward the payment history, utilization rate, collection status, etc. that causes injury to my credit score pursuant to 12 CFR 1026.13 ( d ) ( 2 ) and 15 U.S. Code 1666a ( a ).
I have been continually violated by Citigroup XXXX d/b/a CitiBank N.A., pursuant to 15 USC 1692 and 15 USC 1681, a total of 10 times regarding the account ending in 5145 in the attached exhibits ( not including repeated violations in the attached exhibits ), and Citigroup XXXX d/b/a CitiBank N.A XXXX is civilly and criminally liable for the damages I have sustained as a consumer, natural person, and original creditor of an open-end consumer credit plan for account ending in XXXX.
|
| 01/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Costco Consumer and Costco Small Business XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Victim of Phishing. Requesting {$1100.00} XXXX credit on XXXX purchase of XXXX gift cards.
Dear Sir / Madame : I am mortified and disheartened to write this letter and share that I have been a victim of a phishing scam. This scam essentially resulted in me buying {$1100.00} in XXXX gift cards from XXXX and sharing that information with a fake XXXX entity with the hopes of taking advantage of a 50 % off monthly bill offer.
The way it started was I received a voicemail from a supposed XXXX agent on XX/XX/2023, enticing me to call back since they have a 50 % offer ( see Attachment XXXX Voicemail Message Screenshot XXXX XXXX XXXX ).
I called the phone number ( XXXX ) back the following day, XX/XX/2023, to learn more about the 50 % offer. Having called XXXX before to setup our mobile service, the phone prompts sounded familiar, if not the same as the real XXXX call center.
The person on the line asked me the same questions as a XXXX agent would to verify my identity : ( 1 ) secret word ( which I did not know ). Then ( 2 ) he defaulted to asking for my last 4 digits of my Social Security Number, which I gave since its a common question. He then told me that my last monthly bill was around {$90.00}, which I affirmed to be true ( actually it was {$97.00} ), and that XXXX had an offer to cut my monthly bill by 50 %. Essentially, they had two offers : Option A - Three ( 3 ) year contract. Pay for first year up front at 50 % of monthly bill ( {$45.00} / month ). Or {$540.00} for Year 1, and then pay Year 2 and Year 3 at monthly {$45.00} rate.
Option B - Three ( 3 ) year contract. Pay for first two years up front at 50 % of monthly bill ( {$45.00} / month ). Or {$1000.00} for Year 1 and Year 2, and then pay Year 3 at monthly {$45.00} rate.
With Option B, this would include an XXXX XXXX XXXX XXXX and a {$150.00} XXXX gift card.
Both offers were being run with XXXX and so the caveat was I had to pay with either ( 1 ) a XXXX credit card or ( 2 ) XXXX gift cards. I thought these were good deals and I was interested in Option B. However, I did not have a XXXX credit card. I asked if I could pay by regular credit card and the agent said it had to be with a XXXX credit card since it was their promotion. Furthermore, Option B was a limited time offer and I had two hours to take advantage of it. The best step for me was to secure XXXX gift cards and call them back to take advantage of Option B. Finally, to hold my spot for Option B, they will go ahead and apply a {$10.00} payment against my XXXX account with my credit card on file.
At this point I received a notification from my XXXX app saying a {$10.00} payment was made ( see Attachment XXXX XXXX XXXX XXXXXXXX ).
I had no indication this transaction was fraudulent because at this point : 1. The call center sounded like an actual XXXX call center. Same prompts, same identification questions.
2. They knew my last monthly bill ( albeit it was an approximate of {$90.00}, not {$97.00} ).
3. They charged my account {$10.00} with the credit card on file, of which a notification was generated from my XXXX app.
I ended the call and then proceeded to go to the local XXXX to buy the XXXX gift cards as suggested by the call agent. Wanting to be sure I had enough funds to cover the upfront two year bill, I bought three gift cards worth {$1100.00} ( see Attachment XXXX XXXX Gift Cards XXXX XXXX XXXX XXXX ). Please note, the third card for {$150.00} was initially rejected by the XXXX XXXX, and hence theres a reversal and then a subsequent transaction for a different {$150.00} gift card.
Around this time, the XXXX entity also sent an email with an invoice for {$1000.00} as discussed ( see Attachment XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
I called the service center back ( at a different number, XXXX ) and again heard the familiar XXXX prompts. A different agent spoke to me about the offer and asked me to provide the XXXX gift card numbers and access codes. After I shared the cards information, they told me that I would get a check for {$70.00} along with my XXXX to account for the difference between the {$1000.00} invoice and the {$1100.00} value of the gift cards. They said my account would be updated within the hour and that I would receive a text message indicating that the transaction would be complete.
Sometime later I did receive a text message indicating that the XXXX payment I made encountered an issue and I needed to call back ( see Attachment XXXX XXXX XXXX Payment Issue ). I immediately called the number ( XXXX ) back to try to resolve. Again, I encountered the same familiar XXXX center prompts. When I finally spoke to an agent, he indicated that they could not process the XXXX gift cards because they were a different amount, {$1100.00} from the invoice amount, {$1000.00}. They suggested that they will cancel the transaction and send me a check for {$1100.00} if I provided them a new set of XXXX gift cards, {$1000.00}. They were willing to offer a lower amount, forgo {$80.00}, as a matter of courtesy for my inconvenience. I asked why they could not simply credit my account directly and it was at this point the agent yelled at me that I dont make the policy and that these were XXXX policies.
I was taken aback by this response and lack of professionalism that at this point, I realized that I was being scammed. I challenged the agent if this transaction was legitimate and he adamantly said that it was, that I was on a recorded line and that I owed XXXX {$1000.00}. It was at this point that I immediately hung up, afraid that Ive been a victim of an elaborate phishing scam.
I immediately called XXXX published customer service number ( received the same prompts ) and reported the issue. The XXXX agent was apologetic about the incident and affirmed they had no XXXX promotions for 50 % off monthly bills. He acknowledged there was a {$10.00} payment made against my credit card on file and that I was likely a victim of a hack. He suggested I change my XXXX username and password, which Ive done XXXX
I contacted Costco Citibank to report the fraudulent transaction and the customer service representative suggested that the best thing to do is to dispute the two XXXX transactions. I did this via the Citi Costco app ( reference Case XXXX XXXX and XXXX ).
I also contacted XXXX XXXX center and they affirmed that the three gift cards ( see Attachment XXXX XXXX Gift Cards ) had already been spent. They suggested I report the incident to our local police department and sent an e-mail acknowledging my call for a fraudulent, criminal transaction ( see Attachment XXXX XXXX Customer Report ).
I am totally saddened and embarrassed by this incident. The next day Friday, XX/XX/2023, I went to the XXXX Police Department to report this incident ( see Attachment XXXX XXXX Police File Report ). They said there was little they can do at this point and encouraged me to contact the parties involved so they are aware of exactly what transpired.
I am also writing to implore that the {$1100.00} XXXX transaction for XXXX gift cards be forgiven. Weve been long time customers of Costco and Citibank ; we shop exclusively with our Costco Citibank credit card and we always pay our monthly bills on time. We are loyal customers and would appreciate your understanding and leniency as weve fallen victim to this criminal act.
Sincerely, XXXX XXXX
|
| 10/20/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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Background information : I received an email on XXXX XXXX from XXXX XXXX of XXXX XXXX and XXXX XXXX, New York [ see : XXXX and XXXX 's email is : XXXXXXXXXXXX ] offering me a Project XXXX position in Texas after XXXX weeks of training and weekly exams and then a final exam on Week XXXX. I was even interviewed by their HR Department out of XXXX, XXXX ( so they claimed ). I was told that they are an international company providing shipping services in XXXX and now branching out to the U.S. Because I did so well on Weeks XXXX & XXXX exams, they offered me a part time job for weeks XXXX & XXXX with a bonus commission of $ XXXX and a chance to make {$4000.00} at the end of XXXX weeks training instead of the usual {$2000.00} they promise to pay all candidates for participation.
For the part time job they want me to purchase XXXX computers for their XXXX, Texas office opening sometime in XXXX using XXXX gift cards that I was to purchase using my credit card and they would immediately reimburse me with their XXXX XXXX XXXX XXXX checking account with routing number. Week XXXX purchases appeared to be reimbursed to me with this XXXX XXXX XXXX XXXX checking account with an authorized limit for week XXXX of {$7900.00} to cover XXXX gift card purchases and a {$400.00} weekly bonus. Official looking purchase orders ( see Exhibit G on pages 11 & 12 ) were emailed to me. The week XXXX purchase order was for {$14000.00} plus a {$400.00} bonus and {$720.00} to buy an XXXX XXXX for personal use. We ended up losing {$15000.00} in purchases of XXXX Gift cards because Citi confirmed balance transfers and then unconfirmed them at a later date.
My main point of contact was called XXXX XXXX XXXX, HR Manager at XXXX XXXX XXXX XXXX XXXX, US Department : XXXX XXXX XXXX, New York XXXX, NY XXXX U.S.A. Phone : XXXX and XXXX XXXX : XXXX. I 've only spoken on the phone once with XXXX ( he called me once for a very short conversation ). All other communication has been via email ( XXXXXXXXXXXX ). XXXX emailed me daily lesson plans for studying in order to prepare for weekly tests. XXXX study lesson plans were emailed to me ( one per day ) over a XXXX week period of time ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ) and on XXXX/XXXX/XXXX a final exam was emailed. By then I had realized it was a scam and stopped communicating with XXXX.
I have put {$15000.00} on my Citi Advantage credit card from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX purchasing XXXX gift cards and providing the card numbers to XXXX XXXX. I would only provide card numbers to XXXX for his weekly report when XXXX would show my online current balance as being paid for the corresponding amount.
I received payment confirmations from Citi ( I have two online payment confirmations that I saved and in every case my account balance displayed online was reduced a corresponding amount. I would have never provided XXXX gift card numbers to XXXX otherwise. Therefore, It seemed obvious to me that if my credit card current balance had been reduced back to what it originally was, then the credit card company must have received payment from the XXXX XXXX XXXX XXXX checking account. Otherwise, I would never take such a risk of providing gift certificate numbers to XXXX XXXX. It seemed simple - first I get paid for the purchase of XXXX Gift Cards ( as was reflected in my online Citi credit card balance ), then I provide gift certificate numbers. This is the process that I thought was taking place. It seemed safe and secure.
We have been victims of credit card fraud. We believe that Citi 's online banking policies facilitated this fraud and many thousands more American consumers will be taken advantage of in a similar way by those committing fraud unless Citi makes some important corrections to online balance information that is currently displayed when a payment is made from another bank account and routing number.
I believe we speak for consumers everywhere as well as for ourselves. We ask to have the fraudulent charges of {$15000.00} to our credit card removed / cancelled by Citi. Also, to prevent future fraud practices we ask Citi to implement a few simple changes to their online credit card statements by providing a simple warning on all confirmed transactions to the card holder that balances shown are not final until payment is actually made by the bank account provided. The current wording on Citi Payment Confirmations makes it appear that the deposit has already taken place.
I purchased XXXX Gift cards for XXXX XXXX XXXX XXXX to be used for the purchase of XXXX computers and provided the gift card numbers to my point of contact after my credit card " current balance '' was reimbursed with the XXXX XXXX XXXX XXXX XXXX Checking account Number & Routing number I was given to reimburse myself for these purchases. One problem is Citi confirmed payments and lowered my " current balance '' accordingly and now is putting the amount of the " current balance '' back up as if the payment they confirmed and accepted and reflected in " current balance '' was never made. I strongly believe that Citi should never have reflected a lower amount in my " current balance '' until payment is actually received by Citi.
On XXXX XXXX and XXXX, XXXX, I purchased XXXX XXXX gift cards for a total value of {$15000.00} and revealed the card codes after I thought the balance was paid off. When I checked with XXXX XXXX on Friday, XXXX, I was surprised to discover that the card balances were XXXX. I was led to believe that I would be purchasing XXXX computers for a new XXXX office with these XXXX cards in a few weeks time. Please note : On Friday XXXX our Citi credit card balance still reflected that payment had been made to us for recent purchases indicating a balance of {$370.00}.
XXXX/XXXX/XXXX Citi, XXXX, Fraud Dept - Spoke with XXXX and indicated to her that Citi 's payment confirmations created a false sense of security strongly indicating that the transactions were complete and final. Account balance was reduced accordingly as expected to {$370.00} and remained thus through Fri ( XXXX ). On Sat ( XXXX ) account balance was reversed to {$9800.00} and on Tuesday ( XXXX ) account balance was reversed to {$17000.00} completely surprising us since we had received the following notes on our payments : " Success! We 've Received Your Payment '' and 15 digit " Payment Confirmation Numbers '' for the XXXX online transactions.
For the XXXX pay by phone transactions, I also received verbal confirmation that the payment went through and the revised balance was immediately reflected accordingly in my online statement making us feel that the online payment transaction was a done deal and giving us the confidence to turn over the XXXX Gift card numbers to the individual who ultimately committed fraud against us.
We have suffered grave financial distress because of this. I am XXXX years old, retired on a limited income.
We request that Citi removes / absorbs {$15000.00} from our current credit card balance of {$17000.00} As members of XXXX XXXX we had a law file a demand letter - see attached document.
Citibank responded to this demand letter denying request - see attached document.
Legal firm sent a letter to us stating they would help us find a law firm to continue to challenge Citibank - but we ca n't afford this option. The Consumer Financial Protection Bureau is our only recourse. Thank you for any help you can provide.
Please see attached XXXX documents with supporting information.
|
| 11/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Dear CFPB Agency, I have really been having a very hard time dealing with Citibank regarding my Citi CostCo Visa Card, and I'm hoping you can help me.
i. The problem started on XX/XX/XXXX, when my Citi card declined a purchase I was trying to make, even though I had all available $ XXXX on my card - {$0.00} balance. I called in to Customer Service, and they told me that Citi was " in the process of not renewing my card, and it would be expiring on XX/XX/2020, and that I only had access to use it for ANY NEW CHARGES through XX/XX/2020.
ii. At this point, I chose to NOT use the card for any more purchases, and removed this card from any services I use, such as XXXX, XXXX, etc.
iii. On the advice of my CPA, I called a week later and asked them to CLOSE MY ACCOUNT right then, instead of waiting until XX/XX/XXXX for Citi Card ending in XXXX. After all, they stated, that I could NOT charge after XX/XX/XXXX. My request to close my account was denied, and I was again told, that it was in the process of closing.
iv. Here is where things become problematic, and Citibank starts to apply deceptive and fraudulent practices in the handling of my account.
v. Once CitiCo denied me the opportunity to close my account before their 'date of XX/XX/2020 ' I decided to set my Account to LOCK, which will block all new charges on my card. I did this in good faith on XX/XX/XXXX, to ensure my account remains at {$0.00}. Actually at this time, I had a " $ XXXX credit on my account, because I prepaid before the statement, to ensure this continues to show a {$0.00} balance on my credit reports, since I am 100 % debt free as of a few months earlier, and am continually watching my score.
vi. After the CARD BLOCK was placed by ( there is a switch in the mobile app you can do to block the card ), I thought things would go smoothly, I knew I should be receiving a refund check of {$32.00}, which was the credit balance after ALL Charges posted. However, things did not go that way. Remember, they said I could not have any charges or use of the card after XX/XX/2020. It is unreasonable to think a consumer thinks card block is " block everything, except for recurring charges. '' It is not a reasonable assumption, and therefore is designed to be deceptive and LURE consumers into late charges and fees, because naturally, they would feel their account is safe with the block feature on.
vii. On XX/XX/2020, I receive an alert on my phone, that Citi approved a charge on my account for {$14.00} for XXXX Membership. When I called to inquire why did this charge go through, with a CLOSED account, with REMOVED ACCESS on XX/XX/XXXX to Consumer, and with a CHARGE BLOCK on the account initiated by me, I was told that " recurring charges will continue indefinitely. '' So of course you can see the concern here. What else could I have done? Card was closed, I was told no charges would be allowed after XX/XX/XXXX, and I had blocked my card. I decided not to argue with them anymore. They assured me my account was closed. I inquired on this same call, why does My Mobile App ask me to Activate My New Card ... .I thought I was dropped by Citi ? They said to ignore that, that we have indeed " parted ways. '' viii. On XX/XX/2020, I receive ANOTHER alert on my phone that Citi approved a charge for {$100.00}. SHOCKED, I called in to Citi. They tried to shove their XXXX down my throat again, by saying this was a " RECURRING CHARGE. '' It was a company I had NEVER heard of nor done business with. And this same company ran a " test charge of XXXX '' the month prior, which I didn't catch, because well, you know ... my card is closed, I can't charge on it, I have the card blocked, so why would I be checking?
ix. On XX/XX/2020, I called in to speak to a XXXX at Citi. She told me not to panic, she would help me. She was a bit defiant and combative on the call, but said she would resolve this, however, only after I lost my $ hit on the call. XXXX, said she was immediately referring the {$100.00} charge to fraud ( after she herself discovered the test XXXX the fraudsters charged prior month ) and was going to close my account - she said it was still open. She said she would put something special on my account, so it won't initiate a new card. She said she would issue a refund check to me, for {$32.00} - XXXX Membership charge of {$14.00} for a refund check total of {$17.00} x. On XX/XX/2020, I log into my account, and see a notice that a NEW card was being sent to me, ending in XXXX. Can you believe it? Complete hysteria sets in. I just can't get away from this bank.
xi. On XX/XX/2020 I then call in to the number that XXXX gave me " should anything else come up. '' This was the phone number for the Security Operations Department. Phone # XXXX. The gentleman on the phone said that 2 systems were not talking to each other, but that he was going to send a note to the Fraud Team to fix this, as he couldn't. I asked to make DOUBLE SURE no charges come through. And if you can believe this, he said there was NO WAY to put an all out block on my card.
xii. I log into my Account on XX/XX/2020, and see that things are really all screwed up. NOW there is a Cash Advance Fee charged on my Account, Additional Interest, and my account is in FULL DISARRAY.
xiii. My Request is that this ENTIRE complaint is not only forwarded by the CFPB, but ALSO the FDIC. Besides my account NEVER being fully closed, I believe I have discovered a SCHEME that Citi is running. I believe they are purposely hiding behind the " recurring charge '' thing, so that they can bill people for a charge that comes through, and because the Consumer KNOWS their account is closed, with a {$0.00} balance, they don't both to check it, which will lead to a LATE FEE, and ADDITIONAL INTEREST AND PENALTIES. I believe since the pandemic with revenues being down across the banking sector, that the C-Suite Team at Citi, and All Personnel Involved, are employing this scheme. I believe this to be true, because of the impossible nature to close the account, the continued ACCEPTANCE on NEW CHARGES well past the DATE THAT THEY TOLD ME I WOULD NOT BE ABLE TO CHARGE, WHICH WAS 6 WEEKS PRIOR, and the unwillingness of Associates to help initially.
I would like to be consulted with this, and an EXTERNAL AGENCY FULL INVESTIGATION into the Shady Business Practices at Citi.
In the meantime, I'm attaching a Screen Shot of my $ XXXX Credit which has been on there since XX/XX/XXXX, and my CARD BLOCK FEATURE, and a new summary of charges. They are SO SNEAKY that even though they say a new card was not issued, you know the system is set up to keep charging, because the CARD BLOCK feature was showing as an option for the new card this week, ending in XXXX. I know their game, so I AGAIN set a LOCK feature on this new card.
It's very important to me, that the Compliance Office, the CEO, and the CFO being questioned as to the legality of stringing the consumer along, and NEVER EVER letting them surrender their business with Cit. Good grief, you said you cancelled me on XX/XX/XXXX, why are you still approving fraudulent charges 6 weeks later?
It's not just me either. On Consumer Complaints website, you will see that many people have posted about fraudulent charges going through, and Citi refusing to fix it.
THIS DEMANDS A FULL INVESTIGATION.
Thank you for your interest in this case.
I can be reached at : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, AZ XXXX
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| 11/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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To Whom It May Concern : Below is a statement of facts and timeline for the actions that have taken place.
- I was terminated by Citibank in XX/XX/XXXX without cause, and no explanation was given to me upon my request. The only answer I was given was that California is an at will state, and Citibank had decided to terminate me as an employee.
- I continued to keep my bank accounts, credit cards, and mortgage with Citi after termination. I had established a system and was comfortable having everything in one place, with all my autopays and transfers set up, earning points, and having familiarity with the system I had come to use to help other clients for over 12 years. I continued using my bank accounts and credit cards, while maintaining 6 figure balances in our banking accounts, making my mortgage payments on time, and paying our credit cards off in full each month.
- I, along with my wife, continued to accumulate rewards points ( Thank You Points ), for our checking accounts, and credit card transactions, for the last 4 years.
- On XX/XX/XXXX we received notice that all of our banking accounts would be closed, without any official reason or rationale. The only explanation we were able to receive was that it was based on a recent review, and that Citibank had made the decision to close our accounts.
We never received a phone call, we were never asked about specific transactions. We just received a we regret to inform you generic form letter. The letter allowed us to close the accounts by XX/XX/XXXX.
- On XX/XX/XXXX, my wife called Citi and was told that the Thank You points earned on the banking side would expire if not used within 60 days of account closure, totaling XXXX point. They advised it would be best to redeem them for gift cards. However the credit card points would still be valid and did not need to be redeemed at that time.
- My wife redeemed XXXX Thank You points on XX/XX/XXXX for various gift cards - We closed out our banking accounts/relationship, some as old as 16 years, on XX/XX/XXXX and received cashiers checks for the balances in our accounts.
- My wife called to inquire, and was informed by customer service that only our banking relationship was being affected and our credit cards were unaffected. We were concerned because we have many of our bills that are on autopay via credit card.
- On XX/XX/XXXX our credit cards were declined. We subsequently received notices in the mail, after the fact, that our credit cards had been closed, dated XX/XX/XXXX which were received several days later as they were sent regular mail, not overnighted. No warning, no notice, and no chance to open new credit cards with a different institution.
- Every single credit card we had was with Citi ( in order to maximize accumulating points ) and they were all closed out at the same time. This left us without any cards to use for everyday purchases like gas or groceries.
- Between XX/XX/XXXX and XX/XX/XXXX my wife called CitiXXXX XXXX and was told that our points do not expire for 60 days after account closure. I would like all of these calls that are recorded for quality purposes to be sent to me. The calls would be coming in from XXXX and XXXX XXXX.
- On XX/XX/XXXX my wife redeemed XXXX Thank You Points for gift cards and was told again that we had 60 days to redeem the rest of the points.
- On XX/XX/XXXX, a credit of Thank You points that we were waiting to be returned for a cancelled trip due to Covid finally came in from XXXX. We had waited several months for that return and had decided to wait for that credit to come in before we redeemed our Thank You points prior to closure.
- Between XX/XX/XXXX and XX/XX/XXXX, all of our Thank You points were gone and we could no longer sign in to the website. Any calls to customer service were answered with confusion. not sure what happened, your points shouldnt have expired for 60 days, I will look into this for you, I will start an investigation, etc. ( I would like all calls to Thank you and/or Citibank to be sent to me as well between XX/XX/XXXX and present date. ) - On XX/XX/XXXX we called Thank you again and opened a case to have our points reinstated by a manager. No action was taken.
- Most of the points forfeited were earned under my wifes credit card accounts, of which I was an authorized user on. In summary, I was terminated without cause or explanation. I took that on the XXXX, moved on and started a career elsewhere. I was unemployed for over a year, loss of income and hardship dont begin to explain the anguish my family and I had to go thru after 12 years of dedicated service and being recognized as a top performer ( Citistars ) for several years.
My time as an employee, and my time as a customer are completely unrelated. I was allowed to keep my accounts, mortgage, and cards for 4 years after termination. So why, all of a sudden, without any notice, inquiry, or justification, were all my accounts closed and the banking relationship terminated? Had the relationship been terminated at the same time as my employment, I would be happy to set up bank accounts and cards elsewhere and EARN close to 560,000 points = {$7000.00} in travel, and be able to use those points that I was saving, month after month, for a family vacation. Those were our points. We earned them thru purchases. We saved them, just like a savings account, and they were stolen from us. I have not bounced any checks, missed any payments, or had any suspicious activity in my accounts that would warrant Citi to exercise their right to close our accounts at any time. This seems like retaliation or some sort of petty vendetta from years ago. I have moved on, but apparently Citi has not.
I have been advised to pursue legal action for breach of contract and bad faith. I do not want to pursue this course of action, but will be glad to do so if necessary. I am hoping since I have learned to move on, Citi can do the right thing and move on as well. I am not sure why all of this started a few months ago, but I have now opened up a banking relationship elsewhere and am happy to give my business to a financial institution that wants to do business with me.
My family and I have decided that if Citi compensates XXXX {$10000.00} for loss of our Thank You points, the time and inconvenience of having to open new banking accounts and credit cards, the time and inconvenience of setting up all of our autopays, all the late fees for rejected bill payments/autopays, lost time, lost wages, aggravation, stress, etc we will not pursue any legal action or take this further. There is proof on each one of your recorded calls where we were told that we would still have 60 days to redeem our points.
I look forward to a swift resolution, without having to start a lawsuit and subpoena for records which will show that your employees, knowingly or unknowingly, misled us to believe that we would have access to our points, only to have them forfeited/stolen.
Please remit a check in the amount of {$10000.00} to : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, CA XXXX If not, we will be forced to pursue this matter in small claims court for breach of contract, bad faith, and misrepresentation.
Sincerely, The XXXX Family In addition to forfeiting our points, Citi decided to issue 1099s for points earned and redeemed ( later returned/transactions cancelled ). Not only did we lose our pints but we ended up with a tax liability.
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| 11/29/2023 |
Yes |
- Credit card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XXXX of XXXX, I opened up a Home Depot/CitiBank credit account to purchase a quartz countertop for my condo. This account/credit card was only opened up to participate in the 24 month XXXXero interest promotion that Home Depot was offering. In doing so, monthly statements were sent paperless and my payment was set on Autopay every month from my checking account. I never carried this card in my wallet, nor was it accessible to any other person at any time. It was always kept in a home safe drawer. This being the case, I did not look at my account balance, fully knowing that there were no other purchases by myself & the balance due was paid every month on auto pay & was strictly for my countertop. I did not use this card at any other time and paid off the balance of {$5900.00} for this countertop in XX/XX/XXXX. Fast Forward to XX/XX/XXXX when I finally looked at my account for final payoff & discovered that there were 3 separate charges that I did not make, or approve, in XXXX of XXXX. ( see attached statements ) These purchases were : XX/XX/XXXX = {$1100.00} - Hardware electrical & lighting XX/XX/XXXX = {$590.00} - Hardware Gift Card Mall Kitchen & Bath Fees XXXX XXXX {$2500.00} - Hardware Gift Card Mall Kitchen & Bath Fees I immediately called Home Depot credit services on XX/XX/XXXX and began the worst 6 months of harassment and support from a Credit Card company that I have ever encountered. This has caused me months of stress, duress, and most importantly has affected my outstanding credit score of XXXX. It is currently in the XXXX- ALL due to this fraud. Upon this discovery, and payoff of what my original balance for my countertop was, I canceled any further auto payment due to the fraudulent charges being the only remaining charges listed. In doing so, late/no payments for what I know to be fraudulent charges is the cause. I did not present my phone logs at the time ( didnt realize at that time that I would need to ) of the initial dispute on XX/XX/XXXX and therefore have been harassed by almost each and every customer support person I have dealt with. I have been called a liar and told that although everyone claims to have my recorded voice approving someone by the name of XXXX on 3 separate purchases, they cant prove it to me. Initially, I was told that I was called 3 times for 3 purchases ( shown above ). These purchases were NOT approved by me, nor did I receive a phone call. I was told that I was a liar by XXXX because my XXXX XXXX XXXX birth name is XXXX. He does not go by that name, he goes by his middle name and this XXXX name is only on his birth certificate. I would NEVER approve of anyone by that name knowing it would be fraud as he has no need to go to Home Depot as a college student. After gathering my phone records for those dates - XX/XX/XXXX & XXXX of XXXX and several harassing phone calls by & to Citibank and Home Depot, I finally reached a helpful security advisor named XXXX who gave me an email to send the phone logs. I also included screenshots of the only 2 phone calls whos phone numbers I did not recognize on XX/XX/XXXX or XX/XX/XXXX further showing & proving that I was never called by anyone from Home Depot asking for approval for someone to use my credit card. XXXX said someone would review these logs and get back to me asap. Explaining to her the prior conversation with XXXX, She asked me if I wanted to file/report XXXX, who was extremely rude, harassing, and called me a liar over the phone. I said yes. She was apologetic for that behavior and we ended the call. At this point, I was told by everyone I spoke with that the calls for approval were made to me on the XXXX and XXXX of XX/XX/XXXX and they could not share with me proof of this - only that it sounded like my voice. No proof to me whatsoever. Even though, I had the phone logs from my cell phone number to prove that I did not receive a legitimate call from Home Depot or CitiBank. After a month of not hearing back, I emailed twice after asking for a response. I was on my honeymoon for a month and out of the country so I couldnt call. I finally called the Home Depot Security response number once again and I spoke to someone for 25 minutes once again explaining my claim. I was then redirected to XXXX once again, who claimed to have never spoken with me before. Although I knew this was false, I did not argue that, I just wanted someone to help me. I asked if anyone had looked through my phone logs that I sent by email to XXXX, and she claimed she never saw it. I resent it again to the same email and after back and forth, she THEN changes the day & claims that the actual approval call made by Home Depot to me was actually made on XX/XX/XXXX. This NEW date was NEVER told to me before, it was always stated to be on the days the fraud charges were made on the XXXX and XXXX of XXXX, XXXX. I instantly knew someone was trying to cover this up because # 1 - why would an approval call be made to me AFTER the charges were made? I was able to right then and there prove & back this up as my phone logs that were right for her to see in the email also had XX/XX/XXXX listed- no phone call came in on that day to or from any number that I could not account for. I knew every single number listed that was on that log for XX/XX/XXXX. The discussion went nowhere except further arguing & rudeness by XXXX, so I asked for a call back from a supervisor. So now, at this point, I have been told dates for approval called to me were on a NEW date, not the original stated by all employees prior. Again, they could or would not deliver proof by letting me hear that recording. On XX/XX/XXXX I called once again since I had not received a call back and spoke with XXXX. Explaining my situation once again, he was rude and argumentative claiming this case is closed and I am at fault. I requested a call back from a supervisor knowing I would get nowhere. I was finally called back 3 days later on XX/XX/XXXX. Knowing that this was call would be coming, I answered a call at XXXX XXXX from XXXX ID # XXXX. Unfortunately after explaining this situation once again, he was instantly very argumentative and claimed for me to be at fault. He also divulged that the approval phone call came into me at XXXX XXXX on XX/XX/XXXX. The third time this story changed. Again, he could or would not deliver proof by letting me hear that recording. I told him to look at my phone log for that day proving I did not get a call at that time on that day, or any other day. I asked him why would I ever answer a phone call at that time of night and ALSO why would a security team be calling for approval in the middle of the night on a credit card AFTER purchases were made in 2 separate stores by gift cards used with my credit card? He basically called me a liar and said phone records can be altered. He then told me that emails are never accepted for proof. Why was I directed this way before? After much frustration I asked what else can I do besides SUE, he gave me this address to the XXXX. NOT ONE single CitiBank Or Home Depot support employee has ever mentioned this, EVER. He THEN proceeded to threaten me for mentioning this. I have proof of my phone logs, screenshots of the fraud/spam numbers that are the only 2 calls unaccounted for on the days. Also, the monthly statements showing the fraudulent charges were made by GIFT CARDS- which are easily accessed and used fraudulently.
|
| 02/14/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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|
Web |
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This complaint is in reference to a dispute with Citibank regarding a fraudulent charge and identity theft. On XX/XX/XXXX a fraudulent charge was made to my checking account to XXXX XXXX for {$69.00}. When I saw the charge show up in my online banking feed, I immediately called Citibank and reported the charge as fraud and had my account frozen. At that time, Citibank reversed the charge and advised me they would investigate the matter. I did not hear back again from Citibank for over a month, and assumed the issue had been investigated and resolved. I then received a letter on XX/XX/XXXX stating that Citibank 's investigation determined that I did make the charge and Citibank re-charged my account. I then called Citibank 's dispute department on XX/XX/XXXX to inquire about this and ask how I could appeal the decision. I spoke with a customer representative named " XXXX '' who blatantly lied to me when I asked about the letter. Although it clearly stated in the letter that my dispute was overturned and my account would be charged because Citibank ruled that I was responsible, XXXX stated that my account was being debited again because of a clerical error, that the original charge by XXXX XXXX was only pending, it never actually went through. As I was speaking with XXXX I reviewed my debits online and could see plainly that the charges had gone through and he was lying to me. I also asked him how I could appeal the dispute and obtain information on their investigation, as the letter stated I am entitled to by law, and he refused my request, stating, I cant help you. I then asked to speak to a manager, XXXX, who confirmed Citbanks ruling of my dispute and gave me a Fax number and physical address to send in my appeal. She said once my appeal was received they would get back to me in 7 business days.
So, I sent in an appeal letter, along with multiple documents proving there is no way I could have made this charge, via Certified, Return Receipt Mail. I received confirmation that my letter was received by Citibank ( Signed by employee XXXX XXXX ) on XX/XX/XXXX, and then waited for several weeks, hearing nothing. I then called the dispute unit again on XX/XX/XXXX to inquire about my dispute letter, and the representative XXXX stated that they had not received my letter of appeal. I advised him that I had a signed USPS Return Receipt, and also offered to give my him my police report # and FTC report # over the phone if that would expedite my case. He stated Citibank would look into the matter and would respond to my inquiry by phone or email within the next 5 business days. I waited again for 12 days and called back on XX/XX/XXXX and spoke with XXXX, who stated that Citibank still did not show that they had received any dispute letter. I asked him why Citibank had not followed up on my call on XX/XX/XXXX, and he reported that there was no note was put into the record of my phone call on XX/XX/XXXX. I then asked to speak directly with a supervisor, and spoke with XXXX, XXXX and XXXX, who reported to me that Citibank still showed no documentation that they had received my appeal letter. Supervisor XXXX stated she would update my file to reflect all of my phone calls, update all of my documentation, and re-open my appeal, as well as place an Urgent notice on my appeal file. She gave me an email address to re-send my appeal documents, and reported I would have a response within 5 business days of receipt of the documents. I then emailed my appeal letter to the dispute unit on XX/XX/XXXX, and waited, again, for over a month.
Then I received a form letter from Citibank by mail on XX/XX/XXXX. The letter did not have any reference to my dispute case number, and asked general questions about my phone inquiry and asking for a detailed explanation of my dispute ( details which I had already reported to Citibank via USPS Certified Mail, email, and several phone conversations recorded in Citibanks records. ) SO, on XX/XX/XXXX I called Citibank dispute department again, asked to speak directly to a supervisor, and asked about the letter. The supervisor XXXX stated that they did not show in their records any letter send to me by Citibank, and that Citibank had no record of receiving my appeal letter, either by mail or email. XXXX then directed me to call the dispute department directly, but that they were already closed for the day. I thought I was already speaking with the dispute department! But thanked her and agreed to call the dispute department first thing the next day. I then called the real dispute department on XX/XX/XXXX and spoke to XXXX and XXXX. Supervisor XXXX confirmed that there was no acknowledgment of a letter received by Citibank. I reported again that I had proof of receipt by one of their employees ( XXXX XXXX ) and asked if XXXX could contact this employee to ask about this. XXXX referred me to his supervisor XXXX and she got in touch with Ms. XXXX, who stated that she must have received the document, but must have lost it. So, a Citibank employee LOST documents that had my full name, bank account numbers, phone number, and all sorts of other personal information. Sensitive documentation regarding IDENTITY THEFT had been lost by a bank employee! So, to move this forward, XXXX gave me a new Fax number and the same email, and asked me to RESEND, AGAIN the documents to Citibank. So, I wrote a new appeal letter reflecting all of the efforts I had made to resolve this case between XX/XX/XXXX-XX/XX/XXXX, and EMAILED AND FAXED it to Citibank on XX/XX/XXXX. And again, I waited, and heard nothing back for weeks.
I then received another, identical form letter asking me general questions about my inquiry. So, I waited until I could get a day off from work, and on XX/XX/XXXX, I went into my local branch ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and asked the manager ( XXXX XXXX ) for help. She was very helpful, on this day, and called the dispute unit with me and agreed to fax my appeal using Citibanks internal fax. However, the fax did not go through for some reason. I asked her to try to send a test fax to trouble shoot for possible errors, but she did not. She did agree to continue trying to put the fax through and would call me to report in the next days. We spoke again that afternoon and she reported the fax had still not gone through. I called again several days later on XX/XX/XXXX, and her assistant called me back, stating that it was not only my fax, but no faxes were going through at this time. I requested that they call me back when their fax issues were fixed and let me know about the progress of my fax. I then called again for updates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and did not receive any calls back. I also sent an email to Ms. XXXX on XX/XX/XXXX to try and make contact, and have not received a reply.
I am sorely disappointed in Citibanks treatment of me, and disappointed and HIGHLY CONCERNED, about Citibanks treatment of my confidential information! As of now, I have sent them my appeal documents 5 TIMES, and they report THE MAILED DOCUMENTS WERE LOST, and they have not received the documents via 2 fax attempts and 2 email attempts. WHERE IS THIS SENSITIVE INFORMATION GOING TO? I hope your organization can support me in resolving this matter, as well as assist Citibank in tightening up their security standards and improving their customer service. Thank you
|
| 02/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Billing Disputes, This is regarding dispute numbers D XXXX and D XXXX. Both purchases were through XXXX XXXX.
D XXXX dated XXXX was for {$46.00}. I disputed the item on XXXX for {$18.00}. I disputed the item as goods/services not as received due to the condition of the pizza and XXXX failing to issue a refund as promised. XXXX acknowledged the error and refunded my card. Citibank has rebilled me for the transaction.
D XXXX dated XXXX for {$42.00}. I disputed {$42.00} on XXXX due to the condition of the order and XXXX failing to issue a refund as promised. I withdrew the case on XXXX because the merchant issued a refund. I proactively spoke to the merchant about this dispute as well due to Citibanks accusation that I had misrepresented disputes, specifically mentioning the {$18.00} dispute ( executive office employee XXXX ). To date, Citibank has not reversed the dispute on my account. I e-mailed billing dispute XXXX that I would withdraw the dispute when the charge came through on the account and explained they entered the amounts incorrectly. XXXX messed up when processing the refund which was stated in the email. They entered it in two amounts : {$4.00} and then {$46.00}. So, it doesnt match the original disputed amount of {$42.00}. They actually refunded more than was due. I think he confused the refunds since the other purchase amount was {$46.00}. Seems he most likely ran {$4.00} first by accident and then ran it again for {$46.00}, although he stated something about confusing it with my tipped amount of 10 % on the {$46.00} bill. Who the XXXX knows at this point. I brought the error to his attention. He stated he didnt think it was a big deal, XXXX has plenty of money, and he wasnt worried about getting me extra money back. As shown in the e-mail, I offered to repay him for the difference. He said no. Obviously, he couldnt rebill because the account is now closed. As you can clearly see by the e-mails, I explained in detail to one of the other managers who forwarded the e-mail to the other manager. It clearly breaks down the disputed amounts to {$18.00} and {$42.00}. The financial operations manager also has the right figures, because she pulled each dispute for investigation. I think the way he applied the refund is part of the rebill problem. Citibank isnt able to properly match up the figures.
Finally, XXXXs operations manager thought they were not paid on these items initially. She stated, While I often send them copies of receipts for records, we don't actually expect to get anywhere with the disputes, as we don't have chip readers and therefore we're automatically considered at fault for any fraud/disputes either way. Anyways, here 's what I found with their card number : I received a chargeback from XX/XX/19 for XX/XX/19 for {$42.00}. I sent merchant services a copy of the receipt and just accepted the charges since it was noted as " defective merchandise/services ''. I received a chargeback from XX/XX/19 for XX/XX/19 {$18.00} for a {$46.00} ticket. I sent merchant services a copy of the receipt. I marked on their checklist that I was sending them a signed copy of the receipt. I didn't leave any notes or state anything past that ... they often just ask for a copy of the ticket. Not sure why they told her we said they never complained. I wouldn't personally have knowledge on whether the guest complained. Not sure if merchant services would have talked to someone else or what? But I definitely didn't say anything to them. It is weird that the guest would go through merchant services rather than the restaurant for product/service issue. Normally that's just used for fraud ... so I understand why the credit card company might question whether they are trying to scam the system. I just checked our credit card processing system and it looks like the {$18.00} chargeback did hit our account. I'll paste a screenshot below. Is the guest asking about the {$18.00} because merchant services hasn't credited her or what is she needing? I'm not following that part.
I told them it shouldnt matter whether they have a chip reader or not, all disputes should be handled the same way. I also stated disputes arent just used for fraud and referred them to the FTCs link on reasons for disputes. I reached out to billing disputes by e-mail, and XXXX states they rapidly reached out to them. Here is the response : I have spoken with XXXX again and have ensured that everything financially is cleared on our end. Merchant services reached out from the bank, and we have verified that the purchases were made and were valid for credit. We are not sure why they would be saying we were refuting your dispute claims, however ... And we have been appropriately recompensed for the previously mentioned instances as well.
There was a misunderstanding on my end initially, and I have applied the {$18.00} credit to your account today. You should see it posted to your Citibank account within the next 24 hours.
Please let me know when the credit hits your account.
Ive never been so confused on a dispute and the explanations involved in my life. They thought they werent paid initially but merchant services says they were once they reached out to them. Are they filling out disputes incorrectly?
I am requesting written documentation on D XXXX including the merchants response. I dont need it on D XXXX because Citibank sent me a letter apologizing for the confusion.
Please try to get this problem fixed. I have been trying to fix these problems for weeks and I am worn out. On another note, they burned another pizza. This time I took pictures and complained directly to them in writing. I am having to seek a refund through XXXX. I am so tired of this location screwing up and don't plan on dining at this location ever again. I have attached pictures of it so Citibank 's executive team can clearly see XXXX burns pizzas, even though it clearly isn't related to this dispute. XXXX should have never accused me of lying about the XXXX dispute, saying I made no effort to say anything at the time about the pizza, I didn't seek a refund, and implied it wasn't burned. I think the only thing off on the dispute is probably that we dined in the restaurant. I must have been confused when I entered it in the dispute system.
To be clear, when eating at XXXX, you can order through the line for dine-in or carry out. If there is a problem with the food, a customer tells the manager on duty and he or she can process the refund based on the receipt alone. Same if you complain over the phone. The refund just didn't get applied, period. XXXX isn't the first restaurant to make this kind of mistake. We eat out all the time. We spend about {$1200.00} a month on dining out. We put nearly $ 46k in charges on the Citibank card last year ; we used it for everything. Mistakes happen at the restaurant level. All restaurant managers and owners will tell you that. Managers get busy, forget to apply the refunds in person and over the phone, and forget to send out gift certificates or promptly issue refunds all the time. Three instances that I have had in the last two weeks alone are XXXX XXXX, XXXX 's and XXXX. Now, I make sure I am getting everything in writing so problems like this never happen again.
I am only reporting this to the CFPB because I want this properly resolved and rebilled to my account immediately.
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| 12/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I opened a secured Citi Credit card and put down a {$300.00} deposit that was drafted out of my checking account on XX/XX/20 It started off- This morning tried to use my Citi secured credit card, it declined. I thought nothing of it as it happens due to merchant issues. Today I check my emails and I see an email from Citi from YESTERDAY on XX/XX/XXXX stating, replacement payment is required. I sign into my account and I see my account is closed! I call customer service and they said that my payment in XXXX was returned, the payment for XX/XX/XXXX was returned. I told him I wasnt aware with XXXX being returned and if anything, maybe when I tried to pay & I accidentally entered the wrong numbers when putting in my check account number. That I just saw the email today from yesterday that there was an issue with the payment & my account is now closed?! That gives me NO times to figure out what happened, why, & correct it. He seemed to not care and didnt understand what I wanted him to do or what my issue is. I ask for a manager.
Manager gets on the phone, says that they decided that because two payments were returned that they decided to close the account. That I can request to reopen the account. I tell her my issue is that I get notification from YESTERDAY via email & that the timeline gives me no time to do anything and correct the issue & to close my account on a whim like that? She tells me I have to wait until I receive a letter on my account being closed and then I can call and request the account to be reopened. I asked her if it can be done over the phone & I want to request the account reopened, I want to talk to someone now and make that request. She tells me I have to have the letter first. I told her I am going to file a complaint with the CFPB as this absolutely rash decisions and pure garbage- That hurts my credit! That I open up the account to build my credit and this happens. An issue happens that Im unaware of it, but by the time Im aware of it, its too late, account closed?!
I email Citis XXXX social media hoping to have this corrected before having to file complaints with the CFPB. I send them the emails I received as proof and then when I went to link my account to ensure there is no returned payment to pay off the full balance so they dont make any interest of me ; it shows that the account is already linked- I sent a screenshot of that as well. I wish I had read reviews on Citi closing out accounts over returned checks before opening an account with Citi.
I then had the displeasure of getting a call from XXXX & told him that I found reviews regarding similar issues as mine & he tried to be dismissive of that.
He interrupted me while I started off the conversation of the issue and tells I should call my bank. I told him that he should let me finish speaking as I did call my bank earlier & they said there is no returned checks from citi, funds are there. Of course later he said, well your bank is not going to see it. So why did he suggest it then? He counter argues me on everything. I did apologize for my tone & it expresses it wasnt directed towards him ; however my frustration is how Citi closed my account so rashly & that hurts my credit for something that is not my fault. He talked about two bank accounts being on my Citi account for payment, but one number was off on one of the accounts saved. I pointed out to him on my end when logged into my account today via desktop ; I did see two accounts both ending in the last 4 digits of my checking account number. However, one shows inactive and I deleted it. When I tried to delete the active account as I read reviews on Citi drafting when there is a XXXX balance, they get a returned check fee. I told him when I tried to delete the active account that I made two payments on today to pay off the full balance it said, if deleted the payments I made today would be cancelled. The active account is on the account, so it appears to be a citi issue, not my issue.
He said that the manager I talked to on the phone is right ; I have to have that letter before I can request the account be reinstated. I asked what was so special about the letter? Does it have a special number or code? He asked me if its a problem because of the account being closed like it was? I said, absolutely, not many people are going to agree that its okay, that Citi sends an email on XX/XX/20 and my account is found closed. That gives no one anytime to do anything, even if I did discover the email yesterday. I asked XXXX when does it show my account was closed- He said, today, XX/XX/20. Of course XXXX thinks this okay, because I had two returned checks. Again, I wasnt aware that it happened in XXXX at all. I received an email XX/XX/20 that payment posted. Then discovered the email from XX/XX/20 that replacement payment is needed TODAY!
He became extremely argumentative, talking over me saying that emails were sent. I read to him what emails were sent to me. He kept saying I knew about the emails on returned checks. Again, shifting blame and not taking any accountability maybe a mistake happened on Citis end. I told him again I didnt know about XXXX, found out about XXXX today. And now Im going to have to look at this from a lawyers point of view- If an email was sent, the burden of proof lies on you to prove that, you cant just go by word of mouth, that burden is not on me. Thats when it became heated & emotional for me. I told him he was wasting my time and Im going to go ahead and file a complaint against Citi with the CFBP. Yet, he kept talking over me up until I hung up on him!
Never in my life have I have dealt with such unprofessionalism. Of course I am upset. My credit takes a hit because of Citis business practice. You send an email yesterday XX/XX/20 on payment issue and then close the account today XX/XX/20. Again, there are numerous reports of this happening with other consumers as well.
The emails I from Citi leading up to this amongst other promotional emails.
XXXX- Online Bill payment account ending in the last 4 digits of my checking account.
XXXX payment posted.
XXXX Autopay payment reminder for XX/XX/20.
XXXX Due date approaching for XX/XX/20 XXXX {$35.00} payment posted on XX/XX/20 XXXX Replacement payment is required.
No email that the account is closed.
The business practice is unethical, unfair, & unfriendly to consumers. The blame is on Citi and I as the consumer has to suffer if amends arent made as this hurts my credit.
It is not fair to send an email on XX/XX/20 that payment replacement is needed and the then next day on XX/XX/20 closes the account. They didnt notify me, I found out on my own accord. That truly does not give anyone any time to figure out what happened, why, or to correct it. Again, earlier when I went to link my bank account to my citi account to payoff the full balance off, it said it was already linked. The active account from my checking account that I had already put on file back on XX/XX/20 could not be deleted as it would cancel the two payments I made today to pay off the balance. Its evident this is a Citi issue with processing payments.
I took photos/screenshots today XX/XX/20. And I primary used the Citi app and before today after finding out my account was closed & needed to login to pay- I hardly logged into the desktop website.
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| 07/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I had a Macy 's American Express credit card account with Department Stores National Bank or DSNB. My card expired in XXXX of XXXX. In XXXX of XXXX, DSNB made the decision not to renew my account and issue a new card and mailed notice to me in XXXX of XXXX telling me that my account would not be renewed.
I have complained to DSNB about this and asked them to reconsider their decision however, DSNB refused and rejected my request.
DSNB referred the account to a collection law firm XXXX XXXX for collection.
On XX/XX/XXXX, I received a dunning/collection letter from XXXX XXXX XXXX
On XX/XX/XXXX, I mailed a dispute and validation request letter to XXXX XXXX.
XXXX XXXX never responded to the validation request letter.
On XX/XX/XXXX, XXXX XXXX filed a lawsuit against me on your behalf in the XXXX XXXX of XXXX XXXX Georgia case number XXXX ( a copy of the complaint is attached to this letter for your review.
On XX/XX/XXXX, I filed an answer to the lawsuit/complaint along with discovery motions/request Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions.
Pursuant to Georgia law O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ), the party upon whom the discovery has been served shall serve a copy of the answers, and objections if any, within thirty ( 30 ) days after the service of the discovery request, except that a defendant may serve answers or objections within 45 days after service of the summons and complaint upon that defendant. The court may allow a shorter or longer time at the courts discretion. The party submitting the interrogatories may move for an order under subsection ( a ) of Code Section 9-11-37 with respect to any objection to or other failure to answer any discovery motion/request.
Pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) The matter is admitted unless, within 30 days after service of the request or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission a written answer or objection addressed to the matter, signed by the party or by his attorney. Any matter admitted under this Code section is conclusively established unless the court, on motion, permits withdrawal or amendment of the admission O.C.G.A. 9-11-36 ( b ).
On XX/XX/XXXX, your attorney XXXX XXXX of XXXX XXXX filed for a Voluntary Dismissal Without Prejudice a copy of the dismissal is attached for your review. Now that the lawsuit has been dismissed voluntarily by DSNB this account should be removed from my credit report. There is no reason for DSNB to continue to report this account from my credit report with the three major credit bureaus other than an attempt or effort by DSNB with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit is preventing DSNB from removing this account from my credit report with the three major credit bureaus.
If you are claiming government regulation and/or the law prohibits you from removing the account from my credit report with the three major credit bureaus please state and identify with specificity the government regulation and/or law including the specific code section that you and/or your client are relying upon and/or claiming prohibits you and/or your client from removing this account from my credit report and refrain from generalizations such as including without limitation to under/according to government regulations and federal law. If you and/or your client are claiming that the Fair Credit Reporting Act ( FCRA ) prohibits you and/or your client from removing my account from my credit report from the three major credit bureaus, please identify the specific section ( s ) of the FCRA that prohibits you and/or your client from removing this account from my credit report with the three major credit bureaus. My copy of the DSNB Credit Card Agreement states We may report ( emphasis on we may ) and NOT we are obligated, mandated or required ) information about your account to the credit bureaus. The DSNB Credit Card Agreement does not mandate credit reporting and does not prohibit you and/or you client from removing this account from my credit report with the three major credit bureaus. Additionally, the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 est seq. does not mandate or require a creditor to report information about any consumer to any credit bureau 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). According to the Statement of Purpose for the FCRA states The purpose of the FCRA is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. While the FCRA offers protections to consumers, offers consumers the right to know what is in their credit file, rules and procedures regarding disclosure and use of a consumers credit report, requires that the information that is reported in a consumers file be accurate, guidance on how to dispute information and what procedures that need to be followed in the event that a consumer disputes any information contained in his/her credit file and civil remedies available to consumers for non-compliance. I know this to be untrue because in the Best Buy case the account was removed from my credit report as described later in this letter. If you or your client are claiming that you can not remove this account from my credit report because of some government regulation or law, please explain how Citi ( which DSNB is a subsidiary of ) was able remove the Best Buy account from my credit report with the three major credit bureaus. A copy of the letter from Citi acknowledging and admitting to removing the Best Buy account from my credit report with the three major credit bureaus is attached for your review. You and/or your clients failure to properly address this issue of credit reporting by failing or refusing to respond appropriately and to answer a specific and/or direct question regarding credit reporting and/or providing unhelpful, incomplete, and cursory answers or response will not be accepted and/or tolerated.
I dont want to hear and please do not respond with the usual litany of rote responses such as and including without limitation to the same false and misleading excuse and statement that your employees, agents, and representatives have used in previous communications with me as a credit provider, we are obligated to report the account accurately to the credit reporting agencies. It is true that you are required by law to report accurate information to the credit bureaus otherwise the information must be corrected or deleted from the credit report however, you are not prohibited from deleting the account from my credit report with the three major credit bureaus.
You claimed I owed you a debt. You even filed a lawsuit against me and then voluntarily dismissed the lawsuit against me. Now please remove this account from my credit report with the three major credit bureaus.
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| 02/23/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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Hello, Thank you for giving me the chance to submit my complaint.
I have been going through a nightmare since I made order from Best Buy online.
I ordered an All in One PC - For {$1600.00} including tax My order was for a Black PC however and because it was an open box order, the PC I received was not the right one and was even different color ( White ). That is why I took it back to Best Buy store in XXXX at XXXX XXXX XXXX XXXX in XXXX New York.
I went to customer service at the store and asked the agent if I can return the PC here or shall I mail it back as I received the wrong order and Its not the one I wanted. I was informed that I could return it in the store.
He checked the PC to make sure all parts wer there. He turned it on to make sure it was working and asked if we have any personal data there, I said no. Then he took the PC and did the return and we got a return receipt. Then we have got the refund our Best Buy credit card. Also, we paid the credit card balance as we did order also a hard drive with the PC in the same online order but this we kept as there was nothing wrong with it.
The Hard Drive was pickup at the store ( No problem was with that ) The PC was delivery to home ( This is the one we return ) {$1600.00} All was okay till after few weeks we saw new charges with the same amount of {$1600.00} to our card with no idea from where this charge came from and with no authorization from us.
We contact Best Buy customer support to ask why this charge is in our account. They said we dont know as we see no problem here and advised to call the bank to cancel the changes as might be posted by mistake.
We contacted Citi Bank and they asked us contact Best Buy and we have been between them going back and forth. We submitted a dispute for the charges as we were advised by Best Buy since this charge was a mistake.
We did and the bank said we must wait from 4 to 6 weeks to get back to us by letter in the mail. We waited and got letter that we are responsible of the payment based on the evidence came with letter, and this evidence was just our online order invoice and delivery confirmation, nothing else about the new charges.
We contact Citi Bank again and asked them how did this happen as we already returned this PC and we have a return receipt with us and we received refund for it already. They did not send us anything to clear the new charge.
They said please fax or mail us the return receipt in order to reopen the dispute and they was so sorry about it ; however I did fax it and they reopen the dispute and asked us to wait another 4 to 6 weeks.
We were so upset me and my husband but we had no choice and we was thinking this is the end of this issue.
However, after waiting for a long time again they came back with same letter saying that we are responsible of the payment. We called to bank again as they didnt send us why this happen again.
They however said on the phone that when Best Buy opened the box, the PC you returned was not the same as the one ordered, ( even they didnt mention this in the letter they sent us at all and we had to call them to know that ). This is the reason we returned the computer in the first place as it was not the right one.
So we said yes therefore we return the PC because its not the same, its even showing on the return receipt under the reason of return that its not the one we wanted.
So Best Buy took the PC from us and still charged us, how you even allow that?
They said they would reopen the dispute and we had to wait for another 4 to 6 weeks. We said no we dont want wait again they said you have no choice however you can go to the store and talk with them to do a refund. We said we did already went before and the agent there didnt see the order we are charged for and he can not do anything, then the bank agent said go and talk to someone of the managers.
So we went again to the store and asked to speak to a manager. We spoke with Mr. XXXX XXXX who did really good job trying to find out why this happen and the good thing is the agent we did the return with was there and XXXX asked him about the return. The Agent said yes, they did the return and there was no problem with it or anything unusual and then XXXX called the bank from the store phone to ask why I have got this charge and he inform them that I did return this order I got charge for, also he asked if they can get this done now and end this hassle, as the customer is very frustrated here now and for a long time already. The bank said no we must wait again, so he asked : Why did the bank asked the customer to go back to the store and you know we have nothing to do with that payment? The bank has no answer for that.
XXXX was very sorry for us and said from his side he wishes if he can help or make a refund, but he can not see the order from his end to make any refund or cancel payment.
He also advise us to avoid buying open box online and it is better to get it at the store, as it did happen many times this mistakes, as its good if we see the product in the store and try it before we buy it especially when it comes to open box items.
He also gives us a return copy of the receipt and wrote on it that he sees no problem with the return, as I have also scan and will send with this letter, please see attached.
So now we are waiting again, and we must wait for another 4 to 6 weeks.
So our complaint here is against Best Buy and Citibank As for Best Buy : They did charge our credit card with no authorization from us and even never contact us to make clear with us anything before charging us for an order we already return at the store.
As for Citibank : The company that manages the credit card, they should have acting against whomever charge dour card with no authorization from the card holder, and in fact they did not and even was helping to hide the mistake that Best Buy have committed against us. Which is against the Law and Credit Card Regulation.
This problem is causing us me and my husband a big nightmare all this time since we did this order on XX/XX/XXXX Also did affect our credit score mine and my husbands credit score. My credit has always been Exceptional. During this whole ordeal, my credit card score has gone down 100 points. This significant decrease in credit has affected our life in so many ways.
We are looking to get our right back from Best Buy and Citibank and let them pay us the most penalty possible to be an example for them to never do this with other customers out there again.
The Order details : XXXX All in one PC Order date : XX/XX/XXXX Order Best Buy Number : # XXXX Last 4 numbers of the credit card used for the order : XXXX Card Holder : XXXX XXXX Please see attached with this from a copy of the return receipt with the store managers statement on it that the return was done at the store with no problems along with his business card. Also included is our bank statement copy and City Bank answer.
Here is yours respectfully and sincerely, looking forward for your fair judgment, please do not hesitate to contact us if you have any questions or if there is anything not clear.
Thank you Kind Regards, XXXX XXXX P.S- Also, we have not received all of the letters from Citi Bank regarding our disputes. We only received 2 and I think I made about 4-5 disputes with the last one on XX/XX/XXXX.
|
| 08/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
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|
Web |
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I have a balance exceeding {$400000.00} in my Citibank account. However, for 5 days I have not been able to make purchases as small as a bagel for unexplained reasons. My daily transaction limit is {$10000.00} yet I have not once been able to exceed that limit since Citi freezes my account without notice based on falsely triggered fraud alerts. While I understand the need to monitor for fraud, they use inaccurate algorithms that are so sensitive that they regularly prevent me from making transactions and cause a cascade of issues that result in either not being able to use my debit/credit for several days or having to get it replaced. During this time, for example, Citibank has been holding over XXXX while issuing fruad alerts when I purchase my son a bagel at XXXX - in my home city. I am routinely prevented from making purchases at point of sale without suffering 30 minutes or more of customer service calls to verify that this transactions was made by me. Furthermore, even after getting off the phone and being told that my card will be working - 75 % of the time I am still not able to make a purchase as small as food items or purchase necessities like gas on my debit. Citi has never once detected a legitimate fruad attempt on my account in 25 years using these practices - they have however, put me in dangerous and unexcusably long, and inconvenient delays in restoring service to my account -despite often telling them in advance I am making a purchase / and calling from the point of sale. Citi customer support claims they do not have authority to undo these freezes " real time '' and for days at a time I have been told that my account is working only to have hald of my transactions continue to be declined. When one calls the main number for citigold about this issue they are transfered outside to fraud units who will say that the card is clear to use and that Citibank customer service is the one putting the limits on my account. This issue has persisted for 5 days for me despite visiting the XXXX XXXX branch in person 5 times and making over 17 hours of calls regarding not being able to make purchases despite being under my limit. This is because even after they clear the hold in their system -- it still takes several days for all of the necessary systems they interact with like Mastercard -- to update and synch this information. In the meantime even routine automatic payments - like my car insurance - are rejected and a backlog of pending transactions starts accumulation. This sets off a chain reaction in which many payments - for example, my car insurance and utilities which are withdrawn from the same account and/or are all put through at once -- - thus exceeding the limit and preventing me from using my card or accessing my account again. The only resolution Citi offers is to cancel your card and send another one - which means that you must go without a fully functioning card for a day and be present and available to wait for a fedex at your home. The only reason this is a suggested resolution is that during this timer you can not use your original card and during this wait period some of the systems finally sync. However, in reality there is zero difference between the new and old card and as a customer you are being prevented from making online transactions, subjected to 1-3 days of waiting, and have to update your card information across every app and account that you use it for -- and there is no guarantee that this prevents a fraud alert from recurring on the new card since it is forseeable that customers will go back out and repurchase the same items that were flagged as potential fraud. Although this is a problem that is well known to Citibank, and has plagued me for most of the past 25 years and left me stranded and unable to make important payments everywhere from XXXX to XXXX XXXX, Citi has not implemented any measures to prevent this issue or solve it in a real time manner that does not limit Customers access to funds or ability to make transactions. They place an unfair and unreasonable burden on the customer to be available at all times of day and night to respond to text alerts and phone calls to verify purchases -- and even when this is done it is not sufficient to prevent recurring issues that hold up transactions in full. Citi profits from these delays by holding up customer funds while creating major delays in payments and account access that put customer credit scores and business and personal reputations at risk. They do not have any real time solutions to correct for or prevent falsely triggered fraud alerts, even when it is a chronic issue on the same account. Despite claiming that Citigold customers have a 24/7 premier customer service line to address these issues, in reality the agents that can actually resolve major account issues and/or investigate why holds are put on an accounts only work XXXX to XXXX monday through friday and do not make outbound calls. This delay in service can allow the account to be repeatedly flagged across various vendors before there is a solution. Despite ample funds and having verified one 's identity, they will continue to decline the same point of sale and online purchases at major vendors such as Best Buy. I have been complaining for 5 days that I can not make purchases with my card at certain vendors and they have no one available to contact the vendor and push through these transactions. These holds have occured even when I have notified the bank in advance of my intention to spend money at a specific vendor - and taken the trouble to go to the branch in person to notify them of upcoming expenditures. Over 5 days I have had to spend 1 to 17 hours on customer service calls with the fraud unit and citigold customer service teams to get routine transactions approved. I have been told that my card is working - despite the fact that it is being declined while i am on the phone with them. I had multiple vendors calling me saying they could not complete a transaction for days. This issue represents an absurd abuse of customer time and exploitation of fraud alerts to hold funds back. As such it is a self-serving customer service failure that generates incremental income for citi - while restriciting customer access to their money and failing at the most basic functions of a bank - aka the definition of fraud. The XXXX XXXX Citi branch at XXXX XXXX has known of issues with my account and that it was causing serious problems for me that prevented me from being able to pay for medical care, medication, contacts or complete a move, have furniture delivered or purchase items needed for scheduled work. I have been given 4 numbers to reach this branch where I have a " relationship manager '' who is inexcusablly rude and failed to offer any solution other than having my card replaced which in the past has not resolved this same recurring issue. It involves me being further delayed and inconvenienced and having to call 20 vendors who have pending transactions. The card is not the problem -- it is the transaction flags that are causing the account to go haywire - therefore when I go to make the same transactions it will happen again. Furthermore, I have not been able to get a single person to call me back and have been given 4 dead end phone numbers for supervisors and managers.
|
| 07/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a citibank jumbo loan on XX/XX/2020. This was after my father had a conversation with the loan officer XXXX XXXX about the complexity of our loan. Specifically, that the down payment would be a gift from him, and that the loan would include my mother a XXXX XXXX XXXX. XXXX confirmed that they would be able to do the loan with 100 % gift of 15 % and with my wife, my mother, and I on the loan without adding my father to the loan.
We then out in an offer on a XXXX home based on the acknowledgment and advice of XXXX. She never responded to our offer or provided a pre-approval letter and the house was sold to another buyer. Because of her assurance that she could complete this loan we put an offer in on a XXXX home on XX/XX/2020 and escrow opened on XX/XX/2020. At that point she became re-engaged with our loan and claimed that it was delayed due to COVID-19, she did not have access to her system, and then later said the delay was because the file was with the underwriter for 5 weeks. On XX/XX/XXXX XXXX emailed to confirm the process was smoothly going forward " I have all the loan docs prepared, but I am waiting on pricing team to approve and apply my request ( regarding a price reduction for XXXX points ). They are gone for the evening. It will be tomorrow before they can complete their end. '' On XX/XX/2020 XXXX locked our interest rate and then for the first time indicated that additional assets would be needed, namely ( 1 ) " 24 months reserves PITI '', that with 100 % gift another 5 % of my wife and my funds need to be verified " it can be 401ks which we use at 70 %. '' In a clarifying email she stated that the 24 months of reserves are " Things like 401ks, IRAs, checking/saves, investments and so on. '' She then clarified that the 5 % verified assets for the down payment could overlap with the 24 month reserves stating, " They can in fact overlap. Yes. '' In a subsequent email she then highlighted that " we need {$64000.00} of ( mine and my wife 's ) OWN funds to be verified '' even though my mother is a listed borrower on the loan. We then provided verification of 401K, 457, savings, checking, and investments that broke down to retirement accounts $ XXXX= {$55000.00}, checking and savings accounts of {$27000.00} for a total of {$83000.00} as verified assets for my wife and I per the previous email breaking down how Citibank would qualify assets. On XX/XX/2020, XXXX informed us that at 15 % down payment they would not do the loan and we would need to increase the down payment to 20 % in essence asking for an additional {$63000.00} to be paid upfront. She also then said that these accounts are not satisfactory " the 5 % it must be liquid, they can chose ( sp ) to liquidate those accounts but the UW verified just shy of 5 % in liquid. '' It was very clear that the accounts she recommended ( see above ) would not be liquid accounts they would be investments and retirement accounts. Despite her misinforming us once again about who could pay what amount and what assets qualified we still tried working with her. My wife and I are about to have our XXXX child. We are both working XXXX. We will need child care after she is born in XXXX, in light of the COVID pandemic we do not trust sending her to a child care center, so my father, who works from home remotely, will be living with us during the work week and returning to his home in XXXX County on the weekends when my mother is off of work and we are able to care for the child on the weekends. On XX/XX/2020, my father told XXXX to add him to the loan as an occupying borrower so that it was no longer a gift, assets would be verified from his accounts, and all problems with this loan would be solved to move forward with the home purchase. She responded " This will not work. It's the same as non-occupant Co borrower. '' She did not respond to our adamant insistence to add my father as an occupying co borrower, despite multiple emails, contacting her supervisor XXXX XXXX and Mr. XXXX XXXX supervisor Mr. XXXX. We then contacted the processor for the loan XXXX XXXX who agreed that an occupying co borrower would fix this loan application issue. Because XXXX had refused to answer or respond to multiple phone calls Ms. XXXX sent an email asking XXXX to conference call with all parties. On XX/XX/2020, XXXX called my father alone and discussed that she was sending the file to be reviewed by " risk '' for possible fraud based on adding my father to the loan. On XX/XX/2020, I emailed XXXX with 5 questions, in number format. On XX/XX/2020, i emailed XXXX asking if she would respond to my email questions. On XX/XX/2020 at XXXX XXXX. XXXX called me to say that the loan " is done and dead. '' She was adamant that the reason for the declination was " the occupancy '' and that we were only saying my father would live with us to make the loan go through. She said there was nothing else to do for this loan and that if I wanted to I could file a formal complaint. I agreed and asked who to follow up with. She said that they would contact me within 24 hours. I asked for a phone number and she refused saying that " they are required to respond within 24 hours. '' I asked her if she would answer my questions and she said " what questions? '' I told her the 5 questions that I formatted in my email she said she didn't know what I was talking about because " you and your dad send so many emails it's hard to say what's from who. '' So I read her my first question which was why did Ms. XXXX give us different information than you are. She got upset again and began to complain that they are different departments and she does not know what Ms. XXXX is saying. She said that they could do the loan with my father as the sole purchaser. I asked why he was a better applicant alone than with my wife and me on the loan also? She began to raise her voice about the occupancy not being true and said " Do you understand that? '' I said " I understand that you are calling me a liar about the occupancy '' and that is when she yelled so loudly that my wife heard it while she was upstairs with noise on and working and i was downstairs in the kitchen preparing chicken " I'M NOT CALLING YOU A LIAR IM NOT TALKING TO YOU! '' And hung up the phone.
24 hours has now come and gone. Nobody from Citibank has contacted me regarding my complaint even though I reached out hours ago to XXXX XXXX supervisor XXXX XXXX via email asking him to contact me. {$39000.00} earnest money deposit may be lost and the opportunity to have my new born in this home may be lost due to XXXX XXXX XXXX inaccuracy and ineptitude and XXXX XXXX XXXX absolute deliberate ignorance and refusal to become involved despite being cc 'd on a multitude of emails trying to deal with XXXX XXXX claimed inadequacies with our application. It is clear that Citibank as an entity is refusing to work with me and my family on this application or take any steps to rectify it, even by just calling me back to respond to the " formal complaint '' that I filed.
I was set to close on XX/XX/2020. I know that is within your 15 day expected response. But I am reaching out to you now after giving Citibank every chance to do the right thing and now need your help to hold them responsible and quickly so that I dont lose more than I already have.
|
| 08/07/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
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|
Web |
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I have been a BestBuy Credit Card holder since XX/XX/XXXX. During this time, I have spent thousands of dollars on the card, which have included various deferred interest or same as cash transactions varying from 6-months to 24-months terms depending on the amount of the purchase. The card was originally a store-only credit card ( could only be used to purchase @ BestBuy ), but later became a VISA when CITI became the new issuer of the card in XX/XX/XXXX. A new card was mailed to me and I continued using it the same way itd been used in the past, including making regular purchases as well as deferred-interest purchases and always paying additional amounts ( besides the minimum payment ) to lower the oldest purchase on the card. The card has always been paid using automatic payments through my banking institution. The automatic payment has been at least three and in some cases four times the minimum amount due in order to cover the minimum payment and the additional funds to be applied to the oldest transaction in order to lower the principal balance and reducing the amount of accrued/deferred interest. In this particular case, a transaction on XX/XX/XXXX with an original purchase amount of {$2200.00} made on a 24-month no-interest WITH PAYMENTS promotion, resulted in an accrued interest amount of {$1400.00} added to my account when the promotion expired on XX/XX/XXXX. This interest is over 65 % of the original purchase price!!! I became aware of this situation when I received an email from the bank stating that my minimum payment was way over what Im used to it being. I proceeded to contact the bank on XX/XX/XXXX to figure things out and, in short, was told that a promotion had expired on XX/XX/XXXX and the large sum of accrued interest had been added to my account making the minimum payment jump drastically. I was further told that there was nothing the bank would do and that basically, I was stuck with it. The bank helped out by reversing a late-payment fee for {$27.00} and an interest adjustment was also made for a different promotion. I offered the bank to pay off the balance of the expired promotion for the purchase on XX/XX/XXXX and have the interest removed or lowered, but it was not accepted. I also told the bank that I 'd send money immediately to pay off two other promotions which would expire on XX/XX/XXXX and avoid deferred interest from hitting my account, this was accepted and I complied. After the call, I downloaded every statement available of my account to figure out why the accrued interest was so much and it was then when I realized that no additional amounts were ever applied to the promotion in question. The statements are all attached for your review. My statements show how additional funds ( after the minimum ) were applied to various promotions always leaving the longer-term balance intact. Lets remind everyone that these longer-term promos are attached to minimum purchase amounts. The bigger the amount, the longer the bank offers you to pay it off with no interest. That also means a much larger amount of deferred interest being accrued banking on the possibility that either the promo expires or the customer is unable to cover the entire amount of the purchase prior to its expiration or both. This is why the additional funds were to be applied to the oldest, largest purchase. The statements also show that, although the promotion clearly states 24-month no interest WITH PAYMENTS, the bank did not set a minimum monthly payment. This would have also ensured that the principal was being paid down every month. In one case, the bank did assign a minimum monthly payment to one promotion but not in any of the other promotions. The statements have a column for Promotion Minimum Payment Due, but none were assigned for purchases over {$25.00}. How does this work? I am disputing why the bank did not apply the additional funds to the oldest transaction as instructed. This obviously allowed the full balance on a high-balance purchase to be eligible for a high 25 % APR to be applied for the 24-month period resulting in this exuberant amount of interest. On XX/XX/XXXX, I contacted the bank again and spoke to XXXX. I asked that my account balances be recomputed and these additional funds received by the bank for the 24-month period be applied to the XX/XX/XXXX purchase retroactively so that the principal amount decreases every month and so would the accrued interest. I realize that there were other promotions to which monthly payments were applied in full during the last two months before expiration ( as required by law ), but the rest of the months would significantly reduce the total amount eligible to accrue this high APR. While this would not change the fact that the promotion expired, the total amount owed as deferred/accrued interest would be much smaller and easier to deal with. Candices response was that the bank did not know about my instruction but that even if the bank had applied these funds as requested, the accrued interest is always on the original purchase price and, if the promotion expires and an amount is still owed even if its {$100.00}, the FULL amount of interest would then be charged to the account!!! This is totally inaccurate information being provided by Customer Service. My statements show how the amount owed on a promotion decreases as additional funds are applied and thus the deferred/accrued interest is in fact reduced. On occasions where other promos expired, the amount of interest actually debited to my account was what was due then, not the entire amount of interest that would have been accrued if the balance had not been reduced over time. In my opinion, this was either lack of training on the banks part or simply the bank 's unwillingness to help its customers.
Lets not forget that my account is now accruing interest at a very high APR currently@25.24 % ( variable ) which will include the {$1400.00} charged as deferred interest ... so now Im expected to pay interest on top of interest! And all of this is happening with a XXXX FICO score!!! I asked XXXX about having my account reviewed for potentially lowering my APR to help minimize this crisis. I mentioned that I also have another card with the same bank at a much lower APR. To no avail She told me that its at the banks discretion and that the bank would never lower my APR on this account. This is very confusing considering my good FICO score, the constant, automatic credit limit raises and my much lower APR on my other CITI card! Since my contact with the bank, I have submitted XXXX payments totaling {$570.00} to cover minimum payment and two promotions due to expire on XX/XX/XXXX to avoid additional deferred interest from hitting my account. While it was a struggle to get the bank to apply the monies correctly, the funds have been finally applied as I requested and my only outstanding balance is the transaction from XX/XX/XXXX plus its accrued interest. The way that Best Buy Credit Services opted to applied the funds in excess of the minimum payment towards my deferred interest promotions clearly exemplifies a business practice which appears to be aimed at maximizing profits and making it hard or next to impossible for consumers to pay off these type of promotions.
|
| 03/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
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I XXXX XXXX am writing this complaint to report Citibank Citi Cards unexpectedly closing my Citi Costco Anywhere Visa Card account number XXXX XXXX XXXX XXXX resulting in a dramatic drop in my FICO credit score among other negative results.
I opened up my first and only Citibank Citi ThankYou Preferred Visa sometime in XXXX and have been a loyal customer with an exemplary credit history. In the 28 plus years of being a Citi Cards Citibank Citi ThankYou Preferred Visa loyal customer, I maintained an excellent payment history, never had a missed payment, never exceeded my credit limit nor had any other type of issues with them until recently.
Sometime in XX/XX/XXXX, my Costco XXXX XXXX credit card account automatically transferred me into a Citibank Citi Cards Costco Anywhere Visa account being that Costco no longer was conducting business with XXXX XXXX. I was then issued a Citi Cards Costco Anywhere Visa Credit Card number XXXX XXXX XXXX XXXX as part of Costco 's transition.
With that said, i continued to maintain both credit cards in exceptional standing. On XX/XX/XXXX, I contacted Citi Cards to see if they can either combine my two credit card accounts into one as opposed to having two separate Citi Cards Visa Credit Card accounts or request if they can lower my interest rate as they were both above 16 % interest rates respectfully. During our telephone conversation they stated that they can not lower either of my interest rates nor can they combine both cards into one account.
The representative/account specialist offerred me the option to put me on a 60 month payment arrangement plan with a 9.9 % fixed rate and no penalty on my Citibank Citi ThankYou Preferred Visa account. In addition, I was told that my Citibank Citi Cards Costco Anywhere Visa account would remain the same and the payment arrangement would not affect my credit report because my account is " not delinquent and is not past due on their records ''. I agreed to the payment arrangement plan effective XX/XX/XXXX and have been paying faithfully and on time it since without any issues. I received a follow up letter dated XX/XX/XXXX for the payment arrangement plan. ( See Attachment # 1 ) On XX/XX/XXXX at XXXX XXXX, I received an email from XXXX stating that " Your credit card account will be closed '' for my Citibank Citi Cards Costco Anywhere Visa card without any reason listed in the body of the email why they were closing my account. ( See attachment # 2 ) It also stated " You have a new message '' in my " Statements and Communications Center '' but no message was found when I accessed the feature in the Citicards app.
The following business day, XX/XX/XXXX, I checked the " Statements and Communications Center '' feature again in my Citi Cards app but no message was found about why my account was closed. I proceeded to call the Citibank Citi Cards Costco Anywhere Visa phone number listed in the body of XX/XX/XXXX email ( XXXX ) and the representative replied that he could not give me the reason why my account was being closed other than " wait for your letter in the mail ''. I ended my call and panicked because I could not understand why they were closing my one and only credit card.
I also called my Costco Wholesale Membership number to report my issue to them about my credit card account and they could not believe that my Citibank Citi Cards Costco Anywhere Visa was being closed unexpectedly nor could they help me.
On XX/XX/XXXX, sometime during late afternoon/evening hours, I accessed " Statements and Communications Center '' feature again in my Citi Cards app and noticed the letter was posted. ( See Attachment # 3 ). The letter stated " Your account will be closed ''. The first paragraph stated : " Hi, XXXX. We reviewed your Costco Anywhere Visa account since it's expiring soon. We're unable to issue you a new card because you're currently enrolled in repayment program for this account or another credit card issued by Citi.
I was totally blind-sided by this and could not understand why I was not made aware of this when I first signed up for the payment arrangement plan with Citibank Citi ThankYou Preferred Visa account. This left me without any credit cards. I made numerous calls to Citibank Citi Cards requesting an explanation on why I was not warned ahead of time and worried that this would affect my Costco Warehouse membership. Surely, would I have known this was going to happen, then I would of left my Citibank Citi ThankYou Preferred Visa account open.
Prior to this, I maintained an exceptional FICO credit score and credit report. My FICO credit score dropped dramatically because of Citibank Citi Cards actions. In addition, I was told by a Costco Warehouse Membership services that I will all lose my accumulated Costco Cash Rewards earned to date in the amount of {$130.00}. To add insult to injury I am unable to obtain a new credit card after being declined by XXXX and XXXX bank institutions because of Citibank Citi Cards actions.
To make matters worse, on XX/XX/XXXX Citibank Citi Cards mailed me a letter received on XX/XX/XXXX stating that " Your account terms are changing ''. The body of the letter states that they will be penalizing me with a " Penalty APR '' effective XX/XX/XXXX billing cycle increasing my minimum payment due on my account with a 29.99 % APR. Once again, they initially told me when I signed up for the payment arrangement plan on XX/XX/XXXX, I will not receive any penalty as a result of my payment arrangement.
On XX/XX/XXXX at XXXX XXXX, I called Citibank Citi Cards : ( XXXX ) in an attempt to resolve my account issues and the representative " XXXX '' could not help me. XXXX stated that my account was closed back on XX/XX/XXXX and I was not made aware of anything until XX/XX/XXXX. XXXX transferred me to an Accounts Manager named " XXXX '' who clearly stated that there is " NOTHING HE CAN DO NOR CAN HE CHANGE ANYTHING ''. I ended my call without any resolution.
Bottom line is my credit card was not shut down for any bad reasons. Citibank Citi Cards destroyed my credit report and credit score without giving me any advanced notice so that we could move forward with a resolution. There is a strong possibility that they have ruined my reputation with Costco Warehouse. I am now without a credit card, lost a significant amount of points on my FICO credit score, lost my Costco cash rewards and unable to obtain any new credit card accounts.
I would appreciate if your agency can investigate Citibank Citi Cards and have them reinstate or restore my credit score. In addition, I do not believe that it is fair that they are penalizing me with a " Penalty APR '' of 29.99 % on my Citibank Citi Cards Costco Anywhere Visa. I have maintained a polished credit report for over 28 plus years and Citibank Citi Cards tarnished my report.
Your help and efforts is greatly appreciated in pursuing this investigation of Citibank Citi Cards financial institution especially during these challenging times of the Coronavirus ( COVID-19 ) pandemic.
Should you have any further questions or need any additional information, feel free to contact me anytime using the following contact details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX - ( Cell phone )
|
| 10/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American, Servicemember |
|
Citi ( Citibank ) failed in to exercise due diligence and therefore failed in its responsibility to try and prevent XXXX XXXXXXXX XXXX. This resulted in myself, an XXXX man, being exploited for {$48.00}, XXXX on XX/XX/2023.
Compounding the problem, Citis fraud investigation department focused its efforts on trying to absolve the bank of any responsibility. It sent a letter to me saying it wasnt the banks fault and then made it impossible to contact the bank again to discuss the issue further. This was done by forcing me through a XXXX process to contact the bank for further explanation or to elevate the complaint. The system is clearly designed to be unreasonably difficult and time consuming to dissuade people from trying to pursue the matter further internally at the bank.
Citi created a product targeted at gaining new accounts from the elderly and then failed to have reasonable and proper controls in place to prevent their being exploited on these accounts, creating a perfect storm allowing mass exploitation of the elderly.
Citis systemic failures to try and prevent XXXX XXXXXXXX XXXX are extensive and undoubtedly affects numerous customers.
Resolution : I ask that Citi refund the {$48.00}, XXXX to me and internally review and modify its processes to mitigate the risk of this happening to other elderly. If Citi chooses not to reimburse me, I request that the CFPB open an investigation into the banks practices related to mitigating XXXX XXXXXXXX XXXX. Lastly, a class action lawsuit is in order against Citi.
Detailed facts highlighting Citis marketing to and then failing to protect the elderly, specifically myself an XXXX man.
Citi marketed to and opened an account for me an elderly person.
Citi created a Federally Insured very high interest rate savings account called Citi Accelerate Savings account with rates of 3 % to 5 % in an environment with competitive savings accounts offering less than 1 %.
Citi marketed the Citi Accelerate Savings account account to the elderly including me. The advertising highlights language such as earn XXXX the national average on your savings and FDIC Insured.
The Citi Accelerate Savings account is obviously designed to attract the elderly who have savings, need the security of Federal insurance and who live on their savings and the interest it earns.
Should the CFPB demand Citis marketing records including banner ads, video, paid search, paid social, email, print, direct mail, TV and Radio including broadcast, cable, and streaming, it will certainly show that the elderly were disproportionality targeted by Citis marketing of this product.
Should the CFPB demand Citis account records for its Citi Accelerate Savings account it will certainly show that the elderly over index as consumers of this product relative to the general population, as it was designed to appeal to the elderly and then marketed to the elderly.
Citi opened a new account for me, an XXXX person without ordinary and customary protections being put in place. I was exploited by a stranger for {$48000.00} within months of opening the account. The money was wired to a XXXX bank account, in an amount and destination that is obviously suspicious.
Citi set up new accounts for the elderly and failed as a matter of policy to institute two-factor authentication, reviews of large wires, reviews of suspicious dollar amount wires, wires to XXXX accounts or other customary and ordinary protections that are nearly XXXX on all bank accounts regardless of the owners age but that are particularly important for the elderly to mitigate the risk of them being defrauded. Citis failure to have proper policies in place to protect the XXXX created an unreasonable security exploit that could be used against the elderly to defraud them.
Citis failure to have policies in place to mandate the accounts of the XXXX be set up with customary and ordinary protections against fraud and abuse led directly to me being exploited for {$48000.00}.
It is a given that a large transfer out of an elderly persons account to a XXXX bank account when the person does not have a history of such transfers is suspicious. Citi has no policy in place or failed to use it to review suspicious transfers creating an unreasonable security exploit that could be used against the elderly to defraud them.
A transfer to a XXXX bank account slightly below {$50000.00}, especially when funds were in the account in excess of {$50000.00}, is patently suspicious as XXXX know the bank must expeditiously report fraud above {$50000.00} to the FBI for its assistance in recovering the funds and for which the FBI has a high success rate. Citi has no policy in place or failed to use it to review a patently suspicious transfer creating an unreasonable security exploit that was used against me and elderly person to defraud me.
Its an obvious failure of Citi not to have policies in place, or not to follow its policies, to flag for review patently suspicious transfers to foreign bank accounts that are outside of the normal activity of an elderly persons account. This led directly to me being exploited for {$48000.00}.
When I became aware of the fraud, within XXXX hours of it occurring, I notified Citi.
Citi failed to take timely and appropriate actions to mitigate my damages such as reversing the wire in a timely fashion, or to properly assist me in efforts to lawfully recover my stolen funds after the fraud occurred.
Instead, Citi instituted an internal investigation which was specifically designed to cast blame on me an elderly customer while simultaneously covering up the banks failure to have reasonable and ordinary controls in place to prevent or at least mitigate elderly customers being defrauded.
Citi declared itself blameless in a letter. The letter specified that if I wanted more information, I should call a specific phone number.
When I call the number, it goes to a general call center which refuses to connect the customer to the fraud investigation department. I was forced to explain the situation to every new person and was transferred to XXXX or XXXX different departments, each of which said it couldnt help me. After XXXX hours on the phone, I was told that the fraud investigations department doesnt allow customers to contact them even with a case number, and individuals name. The Fraud Investigations Department would call me back in XXXX to XXXX hours instead. This of course never happened.
Citi has in place a XXXX system that makes it nearly impossible for a customer to dispute or elevate internally at Citi its internal investigation. This is clearly a systematic effort specifically designed to dissuade customers from being able to elevate their case internally at Citi. This is not an ordinary big bank run around, it is a feature purpose built by the bank which specifically is an extra burden on all customer but in particular the elderly and it is carefully crafted to try and make customers give up and not pursue even valid claims any further.
Unfortunately, this leaves me with few options other than requesting through the CFPB that Citi reimburse me or if that fails file a class action lawsuit against Citi for its systematic failures to prevent XXXX XXXX XXXX.
|
| 03/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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Following the complaint is a timeline accompanied by attached documentation.
On XX/XX/2018, my partner, XXXX XXXX, and I went into a local shop in XXXX, XXXX to by gifts for our family back in the United States. The items included two blankets, a belt, and a handbag. The clerk told us the price in Tunisian Dinar that was equivalent to {$130.00} US Dollars, and we agreed, and handed the clerk our Citi AAdvantage Executive credit card. When the clerk handed back the receipt requiring a signature, however, the price had more than quadrupled to a staggering amount equivalent to over {$530.00} U.S. Dollars. We told the clerk we did not agree to pay that amount, and he refused to cancel the transaction. We did not sign the receipt. We did not accept any merchandise. We left the store immediately and took nothing with us. The clerk and another man began following us through the streets, as we firmly told the two men multiple times that we would contact our credit card company to block the charge.
As soon as we arrived safely at our hotel, we called Citi and explained the situation. The Customer Service Agent explained that Citi would cancel the card and close the account, that the transaction would not be processed, and that Citi would immediately ship new cards to our home in the United States with a new account number.
The next day, XX/XX/XXXX, I received an email from Citi stating Your account has been closed due to a lost or stolen card. I felt confident that the situation had been resolved ( See Attached ).
On or around XX/XX/XXXX, the new cards were activated.
We called CitXXXX on XX/XX/XXXX to confirm that everything was properly disputed, since there was a new pending charge for the original amount on our new credit card. We reiterated that we did not accept the price or any merchandise, nor did we provide a signature for anything. The representative responded that signatures dont really matter when validating a charge, but also told us that no fraud investigation was ever initiated, and that they would look into it and contact us within a week with an update.
Around XX/XX/XXXX, we received a letter in the mail from Citi stating After investigating the disputed charge ( s ), we determined the activity on this credit card was valid. If you still wish to dispute the charge ( s ), you will need to contact the merchant ( s ) directly. We could not obtain contact information for the merchant, nor did we feel safe contacting them directly. The Statement for the new account, dated XX/XX/XXXX, reflected a Reverse Security Credit with the posting date as XX/XX/2018, which was actually a charge for {$530.00}.
We contacted Citi Fraud Services as soon as we could, XX/XX/XXXX, four times over the course of two hours ( the call kept getting disconnected on their end ), and spoke with several Customer Service Agents and eventually a Manager named XXXX. We were told again that there was no dispute currently being processed ; he began the process again, and said we would have a resolution within the next 48 hours.
By XX/XX/XXXX, we still had not heard anything from Citi, so we called again. Once more, we were told that the dispute process had not been handled correctly by their fraud department, and that Citi would investigate and keep us updated.
On XX/XX/XXXX, we called Citi Fraud for the final time and spoke with the Fraud department for over an hour, and they finally confirmed that the dispute would not end in our favor. The representative told us that the dispute had not been processed correctly from the beginning because the first representative should have processed the charge as a billing dispute instead of as fraud, but that it was the consumers responsibility to know which path to take when contacting Citi in the first place. The representative stated that the most Citi would do would be to credit back just over {$200.00} in charges as well as some of the interest that had accrued. We did not give them the authorization to do that, and we told them we would seek out other legal means to get our money back. However, they went forward with that partial refund. I received an email shortly after the phone call that stated Weve Resolved your Dispute - Youll see the credit in the next 2 days. This credit is permanent. Only {$250.00} was credited back to account ( Dispute ID : XXXX ).
Upon confirming the XXXX statement, we filed a Complaint with the Department of Justice, which resulted in the DOJ instructing us to file a complaint with the CFPB instead.
Ultimately, Citi Group violated its own internal policies as well as industry standard procedures in handling this dispute. At no time have I known of a credit card company that forces its customers to pay for merchandise they never accepted or received. We are asking for the remaining balance of the dispute ( approximately {$300.00} ) and any accrued interest to be issued via check, since we will not be using this card ever again, in addition to a refund of our $ 450 yearly fee since this credit card clearly does not offer the consumer protection it claims to.
TIMELINE : XX/XX/2018 : Merchant quoted {$130.00} for common goods, card charged {$530.00}. Declined to purchase items, left store with no merchandise, and did not sign anything.
XX/XX/2018 : Called Citi at XXXX, and spoke for 14 minutes, costing us {$7.00} in international calling costs ; XXXX said that it was a simple fix, and that account ending in XXXX would be closed due to a lost or stolen card and the charge would not be processed.
XX/XX/2018 : Email sent from Citi stating account ending in XXXX has been closed due to a lost or stolen card.
XX/XX/2018 : Called Citi at XXXX to confirm dispute was being handled, since original charge was showing on new card number.
XX/XX/2018 : Letter received in the mail from Citi stating after investigating the disputed charge ( s ), we determined the activity on this credit card is valid. ( See Attached. ) XX/XX/2018 : Online Billing Statement reflects a Reverse Security Credit on XX/XX/2018 for {$530.00}, Reference number : XXXX ( See Attached ).
XX/XX/2018 XXXX XXXX. : Called Citi Fraud 4 times for over 2 hours, finally being able to speak to a manager ; dispute process initiated again and told resolution would happen within 48 hours.
XX/XX/2018 XXXX ( 26 min ) : Called Citi after no response and was told again that the dispute process was not being followed correctly by Fraud Department and that Citi would investigate and update us accordingly.
XX/XX/2018 XXXX XXXX. ( 1hour ) : Called Citi Fraud for last time ; told that Citi did not ever process dispute correctly ( billing dispute versus fraud ) ; blamed the consumer ; stated that Citi would only credit {$200.00} plus some accrued interest.
XX/XX/2018 XXXX XXXX. : Email from Citi stating Weve Resolved your Dispute - Youll see the credit in the next 2 days. This credit is permanent. Only {$250.00} Credited back to account. ( See Attached. ) XX/XX/218 : The XXXX statement clearly states This Dispute has been resolved in your favor for {$530.00}, yet only {$250.00} was credited back to account for dispute ( See Attached ).
XX/XX/2018 : DOJ Complaint Filed, DOJ instructed us to contact CFPB ( See Attached ).
|
| 12/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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On XXXX XXXX XXXX, via Citibanks website, I applied for a Secured Mastercard Application ID XXXX. I submitted all the requested information and authorized a {$1000.00} withdrawal from my checking account to cover the security deposit.
On XXXX XXXX, about a week later, I receive a letter from Citibank, requesting additional information the bank needed to allow my application could proceed : a copy of a recent bank statement and a NEW deposit. I promptly mailed both via USPS on XXXX XXXX XXXX a XXXX bank statement and a [ paper ] check for {$1000.00}. Citibank received my mailing a few days later as evidenced by the fact that my check cleared my checking account on XXXX XXXX, XXXX. Per the information on the back of the check, it was deposited on XXXX XXXX and processed on the XXXX.
On XXXX XXXX, XXXX seeing that my check had cleared - I called Citibank to inquire about the status of my application. I was told that my application was in good standing and that I should expect to hear confirmation by the end of the week.
On XXXX XXXX, XXXX - not having heard anything from Citibank the previous week, I called again to ask what seemed to be the hold up. I explained that, as XXXX was approaching, I needed access to the money Citibank was now holding for almost 2 weeks i.e. I really needed the credit card I had applied for. Once again, I was told that I would hear something within that week.
On XXXX XXXX, XXXX once again not having heard anything from Citibank the previous week, I called AGAIN, this time requesting to speak with a Supervisor so I could get some more informed and detailed answers. After being kept on hold for some 15 minutes, I was finally connected to a Supervisor named XXXX ( ID : XXXX ). XXXX was apologetic but not helpful. I explained to him in some detail what had transpired to date, including that the check I sent as a security deposit had cleared my account 3 weeks ago. Oddly, he still could not ( or did not want to ) grasp the fact that Citibank ALREADY HAD MY SECURITY DEPOSIT and kept telling me that the bank needed to verify that I had the money in my account. He assured me that I would have an answer by the end of the week. When I said that, given the outrageously awful Citibank service thus far, I may just want to cancel the entire application and get my money back, he said this was not possible. I could not believe my ears! Not only was Citibank holding my money hostage for 3 weeks now, I could not get it back even if I wanted to!
On XXXX XXXX XXXX ( Friday ) I routinely checked my bank account and, much to my bewilderment, overnight Citibank had removed ANOTHER {$1000.00} from my account!! This was done without my authorization and, at this point, Citibank was holding {$2000.00} of my money with NO indication about when ( or if! ) I would be receiving my card! I immediately called Citibank and after another 10 or 15 minute wait was connected to a Supervisor named XXXX XXXX. Once again, I described everything that transpired to date and added that Citibank had now removed ANOTHER {$1000.00} from my checking account, this time without authorization. XXXX XXXX told me that he would immediately rectify the situation and call me back within the hour to confirm.
I never got the promised call back from XXXX XXXX so that evening I called Citibank AGAIN and this time was connected to a XXXX. AGAIN I described the situation and AGAIN expressed my outrage that Citibank was now holding {$2000.00} of my money hostage, {$1000.00} of which was removed from my account without authorization! XXXX told me that the department dealing with my application was closed for the weekend and that she will make sure to communicate my issues to the appropriate people so they get them Monday morning. She suggested that I try putting a stop payment with my bank on the 2nd {$1000.00} Citibank withdrew which I tried to do but was unsuccessful.
On XXXX XXXX, XXXX I was informed by my bank that I was charged a {$38.00} overdraft fee to cover Citibanks 2nd, unauthorized, withdrawal!
On XXXX XXXX XXXX I called Citibank again and after asking to speak to a Supervisor was connected to a XXXX in a completely different department. She introduced herself as Account Supervisor in Kentucky, Team 3. I asked her to pull up my application and read through what my issue was. She did and then told me that she will need to speak with someone in the appropriate department in order to get more information. After keeping me on hold for almost half an hour, she finally told me that I needed to fax a copy of the cancelled check I had mailed in, including the back side as proof that this check was indeed deposited by Citibank! Once again, I could not believe my ears! To make sure, I asked if Citibank indeed had no record of ever depositing my check which she confirmed ( even though she also confirmed that the bank did receive a copy of my bank statement that was in the same envelope, stapled to the check! ). I said that I do not have easy access to a fax machine ( who does these days!? ) and asked if she could provide an email address. After another 5 to 10 minute wait I was provided an email address in Credit Operations and I proceeded to email all requested information ( 5 attachments! ) On XXXX XXXX XXXX I received a voicemail from a XXXX in the Citibank Secured Card department telling me that they located my check and that I should call him back to as there are a number of ways we can handle this. I called XXXX at the number provided and a reasonably polite gentleman with a bit of a cavalier attitude answered. He told me that they found the check thanks to the information I provided the day before. I told him that I had verbally given all that information to XXXX XXXX last week and he just said Well, I dont know what happened but that is water under the bridge ; lets move forward! He then told me that the money was applied to my Sears Credit Card. This despite the fact that, I do not own a Sears credit card, have not shopped there in at least a decade and have certainly never received any correspondence from Sears concerning any account! I also asked why was my check even applied to this [ non-existent/fraudulent ] account when the check expressly said that it was to be used for the secured card application. He did not have an answer and simply said he doesnt know what goes on in the mailroom but will now ask for a check to be issued/mailed to me and will personally call me to confirm once this is done. I asked, what about the Insufficient Funds charge which was entirely the fault of Citibank? He said he can not guarantee this but will try.
As of now : * I have still not heard back from Citibank XXXX Citibank is still in possession of my initial {$1000.00} security deposit * Citibank is still also in possession of the unauthorized withdrawal of {$1000.00} on XXXX XXXX XXXX XXXX Citibank owes me {$38.00} for the Insufficient Funds charge that was triggered because of their unauthorized withdrawal from my bank account * Citibank has NOT yet issued me the applied for credit card ( at this point I just want my money back! ) XXXX Citibank has not even apologized for the almost month and a half of misery and wasted time it has put me through.
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| 09/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This complaint concerns handling by Citi bank of the disputed transaction on XX/XX/2019 with XXXX XXXX XXXX in the amount of {$4700.00}. I believe that conflicting information provided by the bank and its slow response results in my inability to benefit from the consumer protections provided by The Fair Credit Billing Act.
Timeline of the Dispute : XX/XX/2019 Transaction in the amount of {$4700.00} with XXXX XXXX XXXX XX/XX/2019 XXXX XXXX refused to correct damages they caused and to complete the project after just two days of work. The parts they supposedly did are incorrect and unusable.
XX/XX/2019 Filed a billing dispute regarding the transaction.
XX/XX/2019 XXXX XXXXXXXX sent me a letter offering {$2000.00} refund out of {$4700.00} if I waive all my rights of further refund and damages. I declined this as nothing was actually delivered correctly. Contractors own pictures illustrate this. Moreover this itemized receipt is completely arbitrary and has no contractual basis.
XX/XX/2019 Citi informs me that they have received response from the merchant and that I will get further instructions within 10 business days.
XX/XX/2019 Twenty-two days after receiving it, Citi uploaded the response from the merchant and instructions how to continue the dispute. They requested Proof of what was expected versus what was received. Examples of proof would be a sales slip, certificate of quality, newspaper advertisement, or an itemized bill. Portions of the response uploaded by Citi, such as materials receipts, were completely illegible.
XX/XX/2019 Submitted my response to Citi. I pointed out that the contractor in his own response to the Bank does not dispute that the work was just started ( see Page 15 of their response ), though they claim it was us who did not let them continue. Regarding the items the contractor claims to have completed, I have supplied images clearly showing that their work was totally unusable and must be completely redone. Even in the pictures XXXX XXXXXXXX uploaded, supposedly showing their work, one can see falling out recessed lights, holes in the walls they caused and fixed with already cracked spackle, uneven tiles with quickset bulging from the joints etc. But they likely knew that banks do not analyze technical images.
XX/XX/2019 Citi sent me a letter saying they cant accept images as the proof of incorrect delivery and requested the following : Proof that the merchandise/service was not as described. This proof needs to be a review from a second similar merchant, based on the invoice, indicating the work performed by the original merchant was incorrectly or unnecessarily completed. This merchant opinion needs to be written on their letterhead or include a copy of their business card. Due to timeframe issues please return the requested information by XX/XX/2019 since this will be the last day we would be able to assist you. Due to the holidays I was given 5 business days to find a contractor and supply the letter.
XX/XX/2019 After multiple calls to confirm with Citi Dispute Department about the letter they expect, I have uploaded a letter from an independent contractor stating that the work done by XXXX XXXX was done incorrectly and that it will actually cost more to repair the damage ( {$6100.00} ) than the total amount of the disputed transaction. For example, the proper way to fix huge holes they made in the ceiling to incorrectly install recessed lights is replacing of damaged portions of drywall ceiling. Similarly for other supposedly delivered parts of the project they were not delivered and must be completely redone.
XX/XX/2019 I received a letter from Citi thanking me for additional documentation and claiming it was submitted to the Merchant.
XX/XX/2019 I saw an unexplained credit of {$2000.00}. Since I was expecting a credit of {$4700.00}, I was concerned that the bank did not see my " second opinion letter '' and dropped disputing of {$2700.00}, I called dispute department and Citi representative in a recorded conversation assured me that the whole of {$4700.00} is still disputed and that I have a strong case. The agent explained that the dispute was split into two parts : {$2000.00} which the merchant seemingly does not dispute and {$2700.00}. The merchant can either accept the chargeback or ask for arbitration by Mastercard.
XX/XX/2019 I received a letter dated XX/XX/2019 saying the following We write to inform you that we have received your response and we have continued to dispute the charge {$2000.00} with the merchant as they only willing to issue partial refund. As a result, we have credited your account again for the amount in question and we are unable to assist you for remaining amount. Since we have not received a valid proof of what was expected versus what you received. If you wish to pursue this matter, please contact the merchant directly.
XX/XX/2019, I called dispute department again and the agent, in a recorded conversation, claimed that my second opinion letter while received on XX/XX/XXXX was unfortunately scanned into system on XX/XX/2019, after the deadline, so it was not considered by the letter dated XX/XX/2019 dropping the {$2700.00} part of the dispute. Note that there was no need of any additional information from me to dispute the {$2000.00} part of the transaction, as they could use Merchants own letter from XX/XX/2019 that he uploaded as part of the second presentment. The agent said she submitted a ticket to investigators to clarify about possible arbitration for the {$2700.00} part of the dispute.
9/16/2016 Dispute department agent in a phone call said that while she cant be certain, but if she were to guess the whole amount of the transaction, {$4700.00}, is still disputed.
XX/XX/2019 I received the following letter from Citi. The letter is dated XX/XX/XXXX but scanned 3 days later. We reinstated conditional credit to your account in the amount {$2000.00} which will appear under the merchant 's name on your subsequent billing statement. We continue to work with the merchant or their bank to obtain a permanent credit for this charge. Please note, the merchant has until XX/XX/2019 to get back to us. If they will not accept this charge, we will notify you of the reason. You can view these updates in Account Online anytime. We hope this information is helpful. Please disregard any incorrect information you may have been received. We apologize for any inconvenience this may have caused. Thank you for contacting us.
The letter still does not address the {$2700.00} part of the transaction or why the " second opinion letter '' from XX/XX/2019 was not used to dispute the {$2700.00} part of the transaction. Since XXXX XXXX is a tiny business with nonexistent business address, my best chance of getting back anything is an arbitration by Mastercard using all evidence I supplied within timeframes set by Citi bank. I think its fundamentally unfair to ignore the letter I sent on XX/XX/XXXX just because it was scanned on XX/XX/XXXX, especially considering multiple times Citi delayed their own responses and conflicting messaging in recorded phone conversations.
|
| 08/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I have an open dispute with Citi bank. So far they have sided with the merchant citing the following response "Unfortunately, we are unable to resolve this dispute in your favor since we have not received any documentation showing the merchant was unwilling or unable to provide this service."I feel like Citibank is not reading the evidence I have submitted and are siding with the merchant whom has not been truthful. I provided all of the requested information over a month ago in the form of a 34 page document with email transcripts and phone log screen shots. Below is a summary, enclosures and call logs are attached.Background:My wife and I purchased a new construction home in XXXX, Florida to be completed in the spring of 2019. Since we were living in a temporary home with all of our belongings in storage, we were in a hurry to get moved in. Also during this time I was traveling often for my work (as an XXXX XXXX United States XXXX). We also decided, that while the home was vacant (before move in) would be the best time to have the garage floor coated along with the back covered patio.Timeline:XX/XX/2019 – XX/XX/2019As we were constructing the home, I reached out to XXXX XXXX XXXX (XXXX) via a form on their website, inquiring about the services they offered. From the first contact on XX/XX/2019 we exchanged a few emails back and forth over the next two months until we were able to meet at the property for a face to face meeting. (Please see Enclosure 1 to review the entire transcript of the original scope of the project and the meeting at the property to select a color.)XX/XX/2019XXXX XXXX I met XXXX from XXXX out at my property. I selected a color and she agreed to prepare a quote.XX/XX/2019The official proposal was sent over.XX/XX/2019XXXX followed up with an email to see if I had any questions with the proposal. Throughout that day we discussed scheduling my flooring install and my ability to pay the deposit, because I was on the road traveling for work. (See Enclosure 2 to see the entire transcript of this discussion)****** Expectation Set******At this point on XXXX XXXX, as I understood the “Installation Agreement” (See Enclosure 3 “Project Start Date” and “Estimated Days For Completion”) My understanding was that this process would begin on XXXX XXXX and would take 4 days to complete.XX/XX/2019 ContinuedI received the Installation Agreement and executed it, I also received Invoice #XXXX for $XXXX and paid it. Invoice #XXXX then turned into the transaction in question with this dispute.AFTER PAYING THE INVOICE: (Still XX/XX/2019)I emailed XXXX with questions concerning the installation. My main question was that I was leaving the state (Traveling to Washington D.C) on the last day of the installation and I wanted to know if that was going to pose a problem with the install. On XX/XX/2019 at XXXX XXXX, I received an email from XXXX at XXXX XXXX saying that “It may not take all four days, but I like to have a little cushion just in case.” I assumed this statement meant that my leaving would not impact the installation at all. (See Enclosure 4 to see the entire transcript of this discussion. The previous quote was taken from the email timestamped XX/XX/2019 XXXX XXXX)XX/XX/2019 (First sign of trouble)I receive an email from XXXX at XXXX. She stated “Good morning! We are set to work on your project on the week scheduled. We have another job (commercial) that was extended to that week as well, so I am unable to give you a start time on that Monday. Will the garage and back porch be accessible during the day?”I replied that the property was vacant and that I could have my wife meet her at the property and let her in. She then sends a second email, confirming the start date of Tuesday XXXX XXXX. I asked when she would start as my wife would need to leave to go to work by XXXX XXXX. XX/XX/2019XXXX emails and states that she has no idea when the start time of my project would be. I agree to “leave a key” accessible for her crew.XX/XX/2019 **** PROJECT PLANNED START DAY****XXXX XXXX: I email XXXX to disclose the location of the key and to clarify the installation of the coating on my back porch.XXXX XXXX: I arrive at the property, there was to no crew present and no work being completed.XXXX XXXX: I email XXXX asking “Is it safe to assume you guys are not coming today?” (See enclosure 5, email timestamped XX/XX/2019 XXXX XXXX)XXXX XXXX: XXXX replies to me email confessing that the product to perform my job hasn’t even been received yet by XXXX. (See enclosure 5, email timestamped XX/XX/2019 XXXX XXXX)XXXX XXXX: I reply reminding XXXX that my wife and I are leaving Friday and ask how this impacts my install. (See enclosure 5, email timestamped XX/XX/2019 XXXX XXXX)XXXX XXXX: I email her letting her know that my movers are waiting on her to get the floor down before I can move in. (See enclosure 5, email timestamped XX/XX/2019 XXXX XXXX)XXXX XXXX: XXXX replies saying “we will get the flakes down on Thursday. XXXX generally runs by noon. You dont have to be there for us to topcoat. We can lock everything back up and leave you the key. Lets move forward with this week. It will still be done on Friday and you can move things in as soon as you return!”(See Enclosure 5 to see the entire transcript of this discussion)XX/XX/2019XXXX XXXX: I arrive at my property expecting to see the first coat of flooring down and the flake “ready to go.” On arrival, I see that there again are no workers at my property.XXXX XXXX: I call XXXX at XXXX to get an update. The call goes to voicemail. ALL calls to XXXX at XXXX go to voicemail.****** Expectation Set******At this point I am less than 14 hours away from leaving the state. My 4 day long project is in day 3 with no forward movement. At this point I don’t even know if the product is there or not. To say that I am “in a panic” would be an understatement. Compound that with the fact that XXXX at XXXX will not call me back.XX/XX/2019 ContinuedXXXX XXXX: I get an email from XXXX saying “Rain is coming” but she has no firm answers on moving forward with my project.XXXX XXXX: I leave XXXX a voicemailXXXX XXXX: I leave XXXX a voicemailXXXX pm: I leave XXXX a voicemail(See Enclosure 6, This is a copy of the call logs from my phone XXXX XXXX XXXX XXXX)XXXX XXXX: I try emailing her. My email contains the phrase “Please call me, your lack of communication is troubling.” (See enclosure 7 email timestamped XX/XX/2019 XXXX XXXXXX/XX/2019XXXX XXXX: I received an email (STILL NOT A CALL) from XXXX at XXXX CANCELING our contract. She also notifies me that she wants to keep a portion of my deposit. (Section 8a of the Installation agreement stipulates she is entitled to a portion of the deposit if I terminate the contract. I did not terminate the contract. The contract was terminated by XXXX, and I am entitled to my deposit to be returned. (enclosure 7 email timestamped XX/XX/2019 at XXXX)Had my plane taken of on-time, I would have been airborne.(See enclosure 7 for a transcript of the email chain from Thursday XXXX XXXX through Friday XX/XX/2019)
|
| 05/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
FooterCiti Opens Popup Why Citi Opens in new window Opens in new window Relationship Banking Business Banking Rates Help & Support Chat With Us Citi Mobile App appBadgeImage0 appBadgeImage1 2020 Citigroup IncOpens in new window Feedback Live Chat Available NymfaMinimize End conversation You at XXXX, XXXX XXXX : COVID-19 Assistance Request If you've been impacted by COVID-19, you may be eligible for assistance measures. Once you complete this form, we should respond within 7-10 business days. Each account can only be submitted once. Additional terms and conditions may apply. See full details below.
Read Info at XXXX, XXXX XXXX : Welcome to Live Chat. Now you can reply to us in your own time and view your chat history. What can I help you with? Please do not share sensitive account information, such as your security word or expiration date here. We may send you a secure electronic form to collect this information. This session may be recorded or monitored.
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You at XXXX, XXXX XXXX : I would like apply for the deferral payment for the credit card account I do have with citi Read Info at XXXX, XXXX XXXX : You're now connected to XXXX.
XXXX at XXXX XXXX XXXX : Hello XXXX!
Good Morning!
I would like to in
form that due to COVID-19 we're receiving more chats than expected. Kindly understand this situation and be assured we are trying to answer as many queries as possible and trying our level best to help you. Citi really appreciate your patience. Please allow me a minute to review the account so that I can assist you better. " You can enroll yourself to COVID-19 Payment Plan online to get below benefits : - Minimum Payments waived for 2 consecutive billing cycles, beginning with the minimum payment that is due today. If there is not yet a payment due, minimum payments will be waived for the next 2 consecutive billing cycles. Late Fee waiver for 2 consecutive billing cycles. " XXXX at XXXX, XXXX XXXX : Thank you for messaging with us, we are happy we could resolve all of your questions today. Please provide our team feedback on your experience and reach out if you have any additional requests. Your conversations will be saved for you and our team for future interactions and we thank you being the best part of Citi. Have a great day! Conversation closed by the agent at XXXX, XXXX XXXX : Citi Bot at XXXX, XXXX XXXX : Before you go, please take our 3-question survey. Your feedback helps us serve you better. 1. Based on your experience with Live Chat, how likely are you to recommend Citi to a friend or colleague? Choose a number from 0 ( not at all likely ) to 10 ( extremely likely ). Citi Bot at XXXX, XXXX XXXX : The survey has expired. Thank you for your time. How can I help you today? Please do not share sensitive account information, such as your security word or expiration date here. This session may be recorded or monitored. You at XXXX, XXXX XXXX : COVID-19 Assistance Request If you've been impacted by COVID-19, you may be eligible for assistance measures. Once you complete this form, we should respond within 7-10 business days. Additional terms and conditions may apply. See full details below. XXXX XXXX XXXX No open account ( s ) are available at this time. Read Please do not share sensitive account information, such as your security word or expiration date here. We may send you a secure electronic form to collect this information. This session may be recorded or monitored. Citi Bot at XXXX, XXXX XXXX : We are experiencing longer than normal wait times. You can leave your message here. Be as descriptive as possible, so that we can provide a complete answer when we are available to reply. You can also Message Us in the Citi Mobile App. Just click X on the conversation window and send us a message in the app. You'll receive a notification on your mobile device as soon as an agent responds.
Info at XXXX, XXXX XXXX : Youre now being transferred to the next available representative.
You're now connected to XXXX.
You at XXXX, XXXX XXXX : Hi Read XXXX at XXXX, XXXX XXXX : Greetings from Citi Live Chat. Thank you for choosing Citi as your preferred bank. Hi! My name is XXXX. I got your query. I will be assisting you for this session. Please continue to wait patiently for just a moment while I review your account information. And how can I help you today?
You at XXXX, XXXX XXXX : I been trying to get a deferral payment on my credit card and I'm getting this message COVID-19 Assistance Request If you've been impacted by COVID-19, you may be eligible for assistance measures. Once you complete this form, we should respond within 7-10 business days. Additional terms and conditions may apply. See full details below.
XXXX XXXX XXXX No open account ( s ) are available at this time.
Read XXXX at XXXX, XXXX XXXX : That is a notification that your account may be eligible for deferred payment due to covid19.
You at XXXX, XXXX XXXX : If you read the message said no open account are available at this time, for that reason I can not make the request my account has been closed for a while so I don't see where I can ask for help for the payment referral Read XXXX at XXXX, XXXX XXXX : Thank you. Let me check your account details. Please bear with me.
You at 19:49, XXXX XXXX : ok Read Info at XXXX XXXX XXXX : Sorry it's taking longer than expected to reply. A representative will respond shortly.
You at XXXX, XXXX XXXX : ok Read XXXX at XXXX, XXXX XXXX : I'm so sorry to keep you waiting. Ms. XXXX yes it is verified that your account is already closed initiated by the bank.
You at XXXX, XXXX XXXX : So i can ask for help Or help is not available for me??
Read XXXX at XXXX XXXX XXXX : Due to the status of the account, the covid19 program is not at help as of the moment.
You at XXXX, XXXX XXXX : So what are you telling me a help is not available for me?? basically??
According to Citi statement, is for past due accounts not for closed accounts Read XXXX at XXXX XXXX XXXX : Let me check more details for you. Please bear with me. Hold on.
XXXX at XXXX, XXXX XXXX : Ms. XXXX, for this covid19 program this is only applicable for active accounts.
You at XXXX, XXXX XXXX : can you please give me more details of the reason why a help due to this current cirscuntaces ( CORVD-19 ) has been denied to me? so I can dispute this and also escalate further Read XXXX at XXXX, XXXX XXXX : For us to further assist you with your concern, I may suggest to contact our customer service team, phone number is XXXX they are open 24/7.
You at XXXX, XXXX XXXX : So you are not part of the customer service??
How I can get this transcript email to me Read XXXX at XXXX, XXXX XXXX : For more options in your end and for to be able to speak to a live agent please contact our customer service hotline. And we will be more happy to assist you. Due to we are on live chat. We do have limited access on the account. I hope you understand Ms. XXXX.
You at XXXX, XXXX XXXX : can you email, me this transcript??
Read XXXX at XXXX, XXXX XXXX : I do apologize we don't have that option here.
|
| 04/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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CITIBANK DISPUTE # XXXX MY DISPUTE : A summary On XX/XX/XXXX I tried to buy an XXXX Computer online. There was some issue with the security of my Citibank card which Ive never uncovered. My card was locked, with no notification from Citibank. Later is was unlocked and ( unknown to me ) the original charge was put through. Computer # 1 was on its way to the XXXX XXXX. After several tries ( see below ) I was finally was able to buy a computer with Citibank card. However, they refuse to refund my money for the Computer # 1, which was sent to the store. I cancelled the order without picking it up. I have all the records necessary, and Citibank agrees Im owed this money. They wont give it to me because when I didnt get a refund, I issued a dispute. Citi temporarily refunded my money while they investigated. I made a human error, thought they had resolved the dispute in my favor, and so undisputed the dispute.
They are now saying all sorts of things. Basically, they agree they owe me but since I undisputed the dispute I cant re-dispute it, so they keep my money. I want my money back.
HISTORY XX/XX/XXXX. I tried to buy a computer online and have it shipped to the local XXXX store. The charge seemed to go through but Citibank blocked it and put a lock on my card, which I only discovered when I tried to use it again. Citibank didnt contact me to tell me there was a problem with the computer purchase, or the card, or anything else.
I called Citi. No one else had used my card. The rep said these things were normal because it was a large charge and close to XXXX Friday. She also said sometimes thieves steal cards and wait a few months to use them. I had to use my bank account number to prove my identity. Why didnt she send a new card right away? She told me everything was okay. She said the lock was gone.
She failed to tell me shed let the computer purchase go through. A computer was on its way to the XXXX XXXX - without my knowledge. I didnt receive any emails.
XX/XX/XXXX. I tried to buy a computer again. Twice. Declined. I was charged, but later refunded. Citibank gave no reason as to the declined charges.
XX/XX/XXXX. I was finally able to buy a computer online which arrived via mail. The card was again declined with my next purchase and locked. I had to wait 7 days for a Citi letter with a phone number to call to prove I am who I am.
NOTE : All of these transactions are on my credit card statements. The dates on the documents are XX/XX/XXXX, but everything posted on XX/XX/XXXX. Please note that the order was to be delivered to the XXXX XXXX.
XX/XX/XXXX I received the Citibank letter. Called, and before I said anything I was hung up on because, according to the rep via the number on the card my phone number was unverifiable. Citi told me to call XXXX XXXX XXXX. XXXX XXXX XXXX said my new number was in fact verified.
I called Citi again. XXXX XXXX - ID # XXXX said he wasnt sure how it happened but my phone number was fine.
XX/XX/XXXX A letter dated XX/XX/XXXX arrived on XX/XX/XXXX stating that I needed to call them regarding fraud. I called. Rep had no idea what I was talking about.
XX/XX/XXXX I was on my XXXX ID site and noticed a message stating that Computer # 1 was waiting for me at the store. I called XXXX, told them to cancel it.
XXXX gave me copies of the invoices, and credit memos which I sent to Citibank. Citi did nothing.
In addition, I received an email from XXXX confirming that I cancelled the pick-up for the first computer and they had refunded my money.
XX/XX/XXXX XXXX from Citibank cust service said all my problems were Apples - even though I had credit memos issued on the XXXX!
XX/XX/XXXX XXXX issued a dispute in order to get my refund. I got confused, thought a temporary refund was a real refund, and undisputed the dispute.
XXXX customer support - Said I cant get a refund for my computer, and Citibank will be keeping my money. There is nothing they can do because once a dispute is cancelled you cant restart dispute. So its {$1300.00} for Citibank! She sent my case over to managers who currently werent available. One of them would call back in 2 days. I have everything documented. Of course, no one ever called. I was also told that this was because I now have a new card number and all details with regard to the previous card have been expunged.
XX/XX/XXXX I kept calling only to be hung up on immediately, suddenly they claim they cant hear me and hang up. Finally, Citi Rep XXXX said she didnt understand why there was a problem. She sent me to Disputed Accounts Department.
XXXX from billing disputes. Hung up.
XXXX Billing Disputes. Hung up.
XXXX - Finally! She tried to connect me to a supervisor.
XXXX - Account manager. She said shed look over things. She hung up, and had to start over.
XXXX - I had to ask to be reconnected with XXXX. Hung up on.
XXXX : Said shed transfer me to the Billing Dispute Department. Again?
XXXX from billing disputes. She couldnt hear me either. Hung up.
XX/XX/XXXX - XXXX XXXX transferred me to a manager at the Billing Dispute Department . Same thing. Hung up on before I could say anything.
XXXX. I explained the whole thing again. She put me on hold while she looked into it. Hung up on.
XXXX. He sent me back to the dispute department and promised I would not be hung up on. I was hung up on.
XXXX - Dispute Department number XX/XX/XXXX I complained on XXXX and got an instant response. They claim I received two refunds - one for the USB thing {$20.00}, and the other for the computer # 2. They consider it settled. Thats not for the first computer! It was for the second one I tried to buy. They again told me it was XXXX problem.
Called XXXX : XXXX. She said it seemed like there was some fraud associated with the first computer charge which is why Citi keeps hanging up - even though I have proof. She can saw I have everything I need to prove that I am owed a refund from Citibank. XXXX advised to keep at it.
RE XXXX order : # XXXX, return # XXXX XX/XX/XXXX - Citibank XXXX ID # XXXX. Told me to wait 7 to 10 business days to hear an update. He said he could clearly see that there is a problem and Citi owes me money. I never heard a word.
XX/XX/XXXX XXXX ID # XXXX : Again, once a dispute is opened and closed in the middle of the dispute it cant be reopened. So, hes trying to figure out what to do. XXXX sees that XXXX did request that the dispute be re-opened. A letter was sent on the XXXX of XXXX saying that they couldnt do anything about this because they gave me a refund, which they didnt.
XXXX - a manager. She explained that the problem is with XXXX. They charged me for 2 computers and havent issued a credit back to me. This is not true! I have the paperwork! Her ridiculous solution was to issue a new dispute for computer # 3, since they cant reopen a dispute. There was no problem with that purchase. But shes the MANAGER at Citibank, so I would suppose she knows more than I. Of course the dispute for computer # 3 was denied.
I have more information from Credit Card statements, but was worried about privacy
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| 04/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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To Whom It XXXX Concern : My name is XXXX XXXX and I am writing regarding an ongoing situation that needs immediate attention. Firstly, I have XXXX and have asked Citi and its agents multiple times to communicate with me via email so that my communication accommodation support person can assist me with understanding and responding. stated that- Stated call or email Agent in XXXX stated that calling was not most efficient. He reported that due to XXXX he would present the dispute in writing for me.
To reiterate the story again, I called Citi XXXX hours before purchasing the item in question and explained that due to my XXXX I could not read all of the product information and asked if it could be returned if it did not work for me in any way. Citi stated that I would need to notify them within 5 months that I wanted to return the item and that they would take charge of the process and ensure that the money was credited back to the account. I was able to try the item and decided that it did not meet my needs. I tried to send the item back to vendor, but it was sent back to me as refused in approximately XXXX of XXXX. Shortly after, I contacted Citi again and spoke to an agent. The agent stated that the charge would be disputed and put on hold for approximately three to four months. I asked the agent if I should send the item back to the vendor again to create a paper trail but was told not to send it back again as Citi had it from here.
The purchase was put on hold in XXXX during the dispute process but was reposted to the account in XXXX. I called Citi again multiple times during the months of XXXX and XXXX. I was able to speak to a representative in XXXX who stated that calling isnt always effective and that I should be trying to correspond by email. As I dont have easy access to email and XXXX, it makes it nearly impossible to correspond without assistance. Utilizing assistance from my communication accommodation support person, I was able to see in a letter I received from you on XX/XX/XXXX that Citi is stating that too much time has passed since this transaction was billed to my account. Your suggested action is to contact the vendor directly, but I have made it very clear in all my past correspondence that the vendor has been unwilling to work with me from the very beginning. I hope you can see that I am incredibly frustrated as I have been doing everything necessary on my end even before purchasing the product. Citi, on the other hand, has not honored any of their agreements or promises made since before I even purchased the item. To be honest, I may not have even purchased the item had it not been for Citis guarantee that they would take care of the charge if anything was unsatisfactory. The charge was, however, reapplied to my account in XXXX and I still have not been given a good explanation as to why.
I have always paid my bill on time and have never had any trouble like this in the past. I am not sure where to go from here. This situation is severely impacting my credit and it needs to be resolved quickly. I am incredibly frustrated and need assistance in closing this matter. I am extremely unsatisfied as I was told by Citi before I even purchased the item that they would handle the process of removing the charge if the item was unsatisfactory. It is nearly XXXX year later, and the charge is still on the account affecting my credit in a negative way. I have called multiple times since XXXX, each time explaining my situation and each time being told I need to speak to the dispute department. Each time, the agent would tell me they were transferring me to the dispute line, only for me to be reconnected with another customer service agent or to be disconnected completely. I am very dissatisfied with the way this series of events has played out by a company I have had a positive relationship with for years and up to this point trusted. Your company stated from the beginning that they would be able to get this charge refunded if the product didnt work for me and I needed to send it back. Again, I did reach out to Citi within the specified XXXX period and was told the issue was being handled. Your companys refusal to follow through on their promise is now affecting my credit and this relationship. I need someone to respond to me via email within 10 days to resolve this matter. I have not used this card during this process and need to know how Citi intends to proceed as soon as possible so as I can determine whether or not to continue using Citis services or if I need to find a new card provider who will work with me. Again, as I have stated multiple times, due to my XXXX, I struggle to process some of this information in letters or on the phone. As your company told me before I even purchased the item that it would be taken care of by Citi with no issues, I am requesting that you contact me by email at XXXX so I know where I need to go from here. In my frustration, I have also contacted XXXX who have reported that they will reach out to your media contact for more information. I am including copies of several of the emails I have already sent so you can see that I have been making an effort to get this matte resolved.
XX/XX/XXXX I am writing to dispute a billing error in the amount of over {$2000.00} on my account. The amount is inaccurate because, before I made the purchase, I contacted Citi to ensure that Citi would work with me to get my money refunded if the purchase turned out to be unsatisfactory due to company reputability. I was told by the Citi agent that I would have up to five months to dispute the charge and to work with Citi to recover my money. I tried to return the item to the vendor, XXXX XXXX, but the item was sent back to me with no communication from the vendor. When the vendor was unwilling to work with me, Citi stated that they would file a dispute for me to assist me in recovering my money. I asked the agent if I should attempt to send the item back again and was told not to. I was told this item would be removed from my account while the dispute process was open. Then, on my XXXX statement, I noticed the charge had returned. I again contacted Citi to see why the charge had been returned to the account when I was initially told that the funds would be returned without issue and was again told I need to go through the dispute process. I was also informed that I needed to write a letter to present my side of this issue to Citi, which I am currently doing with the assistance of a third party due to my XXXX. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.
Please contact me at your earliest convenience to resolve this matter. I have been with your company for XXXX years and have always made my payments on time. I would like to remain a loyal Citi customer but feel this matter is urgent, important and needs correction.
I have contacted Citibank multiple times to resolve this matter and have never once received a response.
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| 10/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XXXX XXXX I was notified with Citibank decision on my dispute for {$130.00} to be against my claim and rebilled my account. Im filing this complaint with CFBP because the evidences I had included and submitted to Citibank investigating the matter should had cited that I should not be billed for the transaction based on the proofs included.
Citibank forwarded to me Action Required form for feedback included two options only : Deny the transaction or recognize the transaction. None of them is related to my dispute at all. The first time I called Citibank to report my dispute I said that the basis of my dispute is what I received in mail dis not match what I placed an order.
On XX/XX/XXXX, I ordered ( 6 ) six used ignition coils for my XXXX XXXX XXXX. See Page number 5 for the order description and SMS text message pages 7-10. Please note the following items listed on the pre-authorization form : o year and model of the car XXXX XXXX XXXX o Number of Ignition Coils ( 6 ) six o Method of shipping XXXX/XXXX I felt very concerned with the way the merchant requested my credit card information on such a very insecure form, as can be seen on the attached form.
On XX/XX/XXXX, nine ( 9 ) days later, I received a package from the merchant ( or his associate retailer ) via regular USPS when I opened, I found : o One coil belongs to XXXX XXXX, not XXXX, from the VIN listed o only ( 1 ) one coil, not ( 6 ) six as agreed upon.
o Shipped via ground USPS not XXXX/XXXX o Further, the price of one coil was too low compared to what I was charged for six, reflecting a doubt on why I was charged that much. Please see pages 17-20 for copy of the invoice attached to the part I received.
I tried to call the Merchant at the phone number listed in the pre-authorization, page 5, form and got no answer. I tried to send them an email to the email address listed on the pre-authorization form, which is XXXX. Unfortunately, I received a message that the address is not found. Please see page 21.
At that moment I realized that I may be a victim of a scam. Therefore, I contacted Citibank to report my dispute with the Merchant on the basis that I ordered used car parts for {$130.00} and what I received was one piece out of 6 pieces agreed upon.
In response to my dispute, the merchant now contacted me via SMS and email to inform me that they will send the remaining five ( 5 ) coils, pages 12-16. The merchant email address used was : XXXX, please see page 22, as the merchant admitted sending out the wrong order. Additionally, using a generic email address with business related transactions casted doubts about the legitimacy of the business operation. Thus, I declared to the merchant that I already lost confidence with his business for the following reasons : o No phone number ( s ) is answering with so many different phone numbers listed.
o If the phone answers I would get some other auto part related business, not the same business name.
o The email address listed on the Merchant form was not valid email, and the merchant is using generic email address. No legitimate email address.
All circumstances related made me very concerned that Im dealing with a network of scammers here. Right there I contacted Citibank again to stop the current Credit Card and request a replacement to avoid any further altercation with this merchant since all my billing information is accessible to the merchant with this insecure form. I requested the merchant not to send any other goods or parts and no further communication with the merchant of his associates needed, since the final call on the matter would be to my Citibank credit card.
Reviewing the merchant response to my dispute, as it was extracted from Citibank notice I received today, it stated : she called us and told us she ordered set 6 ignition coil part but we informed her we received the order for 1 you signed the order form but she is not ready to listen again we process the set of ignition coil part shipped out on XXXX of XX/XX/XXXX End of quote.
From the merchant response the following could be concluded : There was no she, it was me, a man, so I have no clue who wrote this, and definitely I never spoke to him/her and who he/she wrote this never spoke with me. I believe Citibank knows that Im a man. Thus, the credibility of him/her asserting what had happened is untrustworthy.
The merchant referred to the pre-authorization form to the number of coils ordered. The merchant should have included the pre-authorization form in his response. In fact, Citibank should have asked for it for fair assessment of the dispute. At any rate, a copy of the pre-authorization form is included in my documents here. It clearly stated : ( 6 ) Coils, see page 5.
Further, the merchants said that I ordered ( 1 ) coil, if this is true would I be billed {$130.00} for one used coil while new ones are going for around {$25.00}, and the invoice included with the part delivered clearly shows {$9.00} for the price of one coil, see page 19. Again, refer to the merchant email for apologizing for not sending the correct number of coils ordered, page 22. Thus, what the merchant stated in his response regarding the number of coils ordered is just a pure lie.
The merchant instead of admitting he did wrong in his order, he claimed I ordered it wrong and then for the same amount of money the merchant sent me another five coils for free, according to his line of story.
As per my email to the merchant on XX/XX/XXXX, see page 22, I asked them to cancel sending the missing five coils as I already lost confidence in their professional business. The merchant admitted in his response statement that the order was shipped out on XX/XX/XXXX, that is three days after they were told to cancel.
Now, I spent most of my day compiling this letter backed with evidence as requested when I called Citibank today. The time and aggravation wasted could be avoided if my dispute was handled properly by evaluating the merchant statement, which contained plenty of evidence that the transaction was not professionally fulfilled. I learned today that the dispute was recorded as Fraudulent while actually what I received is not what I was billed for. I have no expression is mind to describe this action, as the closest term comes to my mind is Scam, considering all the circumstances listed within.
Further, as a Citibank credit card holder I did unknown and uncounted numbers of transactions with the card and with other credit cards as well, and it is very seldom that I report a dispute.
Apparently, holding and dealing with Citibank credit card is not any more a privilege I would be proud of, rather, it became a nightmare to me as there is another incident because of which my credit score plunged down 78 points at once due to arbitrary Citibank Automation system, please see attached page number 25-27. Im still struggling with Citibank and the Credit Agency to rectify and reverse such indecent.
Please reply to this email with acknowledgement that you received this correspondence.
Regards, XXXX XXXX
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| 09/16/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
Older American, Servicemember |
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I recently responded to a Citicards offer which advertised a XXXX mile Aadvantage bonus with the activation of a new card and purchases totaling over {$3000.00} within the first three months. On XX/XX/XXXX I heard from XXXX XXXX XXXX of the Citicards President 's office who was responding to the XX/XX/XXXX email I sent to their CEO ( see below ) complaining about my surprising discovery that I was not going to receive the offered miles even though I had been approved for the card, received the card, and fulfilled the required purchase amount. XXXX XXXX told me that he was confirming that I would not receive those miles ... ..even when I obliged him to confirm that the representative with whom I spoke during the approval process was directed to NOT share any specific information with the applicant that would indicate ineligibility for the award miles. He said that awarding those miles to me would not be fair to other customers. ( In my words : if they are cheating me, they must be cheating other applicants as well. ) In retrospect, the online offer did include fine print advising that the miles would not be applicable if the applicant had opened or closed a Citicard in the previous 24 months. I knew I had not opened a new card and had no recollection of canceling a card, a cancellation action which Citicards could/would not document to me. Again, during the telephone application review with Citicards, a previous active card was discussed but there was NO reference to a canceled card or any ineligibility for the mileage award with the new card. This was a complete reversal from a previous application when I was informed during that phone call that I was ineligible for a mileage bonus since I 'd opened a new card within the last 24 months and, therefore, canceled the application. I believe I had every right to expect the same qualification process to be in effect. In my opinion, this new policy is intended to deceive and result in newly issued credit card accounts for Citibank shades of XXXX XXXX.
Thank you for taking the time to consider this issue. I look forward to hearing from you.
Copy of my XX/XX/XXXX email to Citicards CEO : XXXX XXXX XXXX, Chief Executive Officer Citicards Corporation XXXX XXXX, NY Dear XXXX XXXX, Re : New Citi Aadvantage Credit Card ending in XXXX My husband and I have been loyal Aadvantage Citicards members for over thirty ( 30 ) years.
In XX/XX/XXXX, we received a Citicards offer : Open a new Citicards credit card, spend {$3000.00} in the first three months and receive XXXX Aadvantage Frequent Flyer Miles. This sounded really good. So I applied ... .I applied in the name of XXXX XXXX . After filling out the application, I received an email asking me to call with additional information. I called as requested. I spoke with a Citicards representative. I was asked about transferring some credit dollars from an older card to the new card, which I agreed to do. All good. I discussed the XXXX Frequent Flyer Bonus miles I would receive with the agent. I requested that Citicards be sure that my Aadvantage number would be printed on my new card. I also pointed out that we had been disappointed recently with the elevated amount of miles XXXX was requiring for flights. The Citicards rep made a note of that comment and said she would pass it on. At no time was I asked any questions or given any information about previous Citicards transactions. An email followed shortly on XX/XX/XXXX announcing approval of the new card. The card arrived within a few days. Unfortunately, despite the conversation I had with the agent when applying for the card, the new card arrived without my Aadvantage number & I did have to call back in to have this corrected.
I was diligent about making sure our upcoming vacation was charged to my new card and I have already surpassed the required {$3000.00} minimum on the card within the first three months.
Not long after receiving my card, I misread my account information online, and thought I was reading that I had missed missed my first payment, which I knew was not correct as we had not even received our first bill yet. To verify this, I called Citicards on XX/XX/XXXX. In speaking with your customer service representative, I was able to confirm that there was NO missed payment.
HOWEVER ... in making that call on XX/XX/XXXX to double check that I had done nothing to negatively impact the award of the XXXX promised miles, I was shocked to be told that I was not eligible for this award. What?!? How can that be possible? How can I apply for a new card with one of your representatives AFTER confirming with that same representative that I would receive the XXXX mileage promo you advertise, after receiving my new card, and then satisfy the {$3000.00} requirement within the first 3 months .... and THEN be told by a customer service representative ( XXXX ) on XX/XX/XXXX that I am ineligible for the bonus award?
That customer service rep ( XXXX ) said it had something to do with canceling a previous card in XXXX, but the rep was unable to provide details. At this point the call was escalated to XXXX. On this call on XX/XX/XXXX, XXXX said he would open a complaint with your Rewards Dispute Team and we should hear back within 30 days. On XX/XX/XXXX, an unsigned denial form letter was mailed to me.
XXXX, when I spoke with the original agent in XXXX regarding the card application, not one word or question was raised or provided about previous activity. I specifically remember a previous Citicards bonus mileage offer for which I applied and the application agent was immediately forthcoming with the information that I was not eligible for that new offer based on having opened an account within the previous 24 months. No such information was discussed or provided to me during this XX/XX/XXXX conversation about the new XXXX mile bonus offer. The application was approved with no reference to the fact that this new card would not entitle me to the promised XXXX mile bonus. Honestly, this seems like a lie by omission. Based on my previous Citicards experience, I had every right to expect that any bonus mile exclusion would be communicated during the application phone conversation with Citicards. Clearly, the only reason for my application for a new card was to enjoy the XXXX mile bonus. This appears to be a very deceptive new policy on the part of Citicards ... .a policy which perhaps improves some new account sales quota? ( Shades of XXXX XXXX? ) XXXX XXXX, I received no request for information or documentation about the dispute. The denial was printed within 24 hours of the conversation with XXXX XXXX XXXX. Clearly, that time frame does not represent a sincere effort to evaluate and consider the issue. I certainly believe I was enticed to pursue opening a new card by the XXXX mile promo, and I was then deceived on the phone into opening the new account with the promise of enjoying the advertised bonus miles a bonus which now has been denied.
Can you please help me? I look forward to hearing from you. Your help is much appreciated.
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| 07/16/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem making or receiving payments
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Web |
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On or around late XX/XX/2020, my wife and I opened a joint high yield savings account ( Citi Accelerated Savings ) with Citibank, N.A ( a subsidiary of Citigroup ) by speaking to a personal Citibanker over the phone. At no time were we notified by Citibank that the bank operates no physical branches in the State of Texas where my wife and live.
On XX/XX/2020, Citibank initiated an approved bank to bank transfer of {$3000.00} from my wife and my joint XXXX XXXX Checking Account to the joint Citi Accelerated Saving Account. The transfer went through without issue.
On XX/XX/2020, Citibank initiated an approved bank to bank transfer of {$8800.00} from my wife and my joint XXXX XXXX Checking Account to the joint Citi Accelerated Saving Account. The transfer went through without issue.
On XX/XX/2020, XXXX XXXX XXXX deposited {$0.00} and {$0.00} into our Citi Accelerated Savings account in order to link our XXXX XXXX Checking account to our Citi Accelerated Account. This was done upon our authorization and occurred without issue.
At this point XXXX and Citibank had conducted four transfers between the XXXX XXXX Checking Account and the joint Citi Accelerated Savings account.
On XX/XX/2020, I authorized ( online ) XXXX to transfer {$5000.00} from the Citi Accelerated Savings account to the XXXX XXXX Checking account for bill pay. XXXX sent an email stating the bank to bank transfer had been successful. The online XXXX portal showed the {$5000.00} from the Citi account now in the XXXX account. I subsequently paid our bills and logged off.
On XX/XX/2020, I received notification from XXXX that our XXXX checking account had a large negative balance. Upon logging into the XXXX portal, the website showed Citibank had ( without our authorization and without prior notification ) reversed the {$5000.00} transfer and removed the {$5000.00} from our XXXX checking account. This caused our XXXX account to overdraft and temporarily lock down at a time when we needed the account to cover our credit card bill and accept our employment direct deposit check for the month.
At no time did Citibank contact my wife or myself concerning the " clawback '' as a Citi customer service representative later described the procedure. We did not receive a phone call, voice message, text message, email, or postal letter concerning the " fraud '' hold on our Citi Accelerated Savings account. Of greater concern - nowhere on the Citi account online portal was there any notice or alert that a hold had been placed on the account. The Citi account online portal looked completely normal. The only reason we knew something was amiss was the overdraft alert from XXXX arriving in the afternoon of XX/XX/XXXX.
As soon as I received the alert on XX/XX/2020, I called XXXX 's customer support line to inquire about the issue. XXXX informed me the issue lie with Citibank and suggested I get in touch with them to discuss the reversal.
My first call to Citibank on XX/XX/2020, resulted in the customer service representative transferring me to a dead line. My second call to Citibank resulted in a dropped call in the middle of Citibank 's robotic menu selection. My third call to Citibank resulted in my issue being handled by a different customer service representative than my first call. He informed me there was a " fraud '' hold on our account and that I would need to present my wife and myself at the nearest Citibank physical branch to verify our identity. I asked the customer service representative to please provide me the location of the nearest Citibank via my zip code. The customer service representative told me upon further research, Citibank did not operate any physical branches in the State of Texas. I asked him how then I was suppose to present myself to a physical branch. The customer service representative told me he could not provide additional advice to me. I asked how I was to cover the pending overdraft fee from XXXX if I had no way to unlock my Citi Accelerated Saving Account as no physical branch existed in my state. He told me to " deal with it '' and ended the call on me. Infuriated by the lack of professional of the Citi customer service representative, I called a fourth time and spoke with a supervisor. After conferring with another department, the supervisor suggested I send a letter to the Citi Servicing Center in XXXX XXXX describing the issue and seeking resolution. I would need to wait 5-7 business days for the letter to arrive, an additional 5-7 business days for Citi to look into the issue, and a further 5-7 business days for a response. Alternatively I could drive to XXXX XXXX and present myself to the Servicing Center in person. The supervisor could not guarantee the Servicing Center would admit me due to COVID19 restrictions and this was a four hour drive from our location. Neither of these solutions were or are acceptable.
On XX/XX/2020, I called the Citi Fraud department directly. The account manager informed me there was no fraud alert on our account. Rather, there was a " Citi hold '' on our account and he could not access information on why or when a hold was placed on the account. He transferred me to the Citi Client Relationship office. The representative was the most helpful by far as she consulting with four different departments to figure out the issue. However, at no point from the Citi Fraud Department to the Citi Client Relationship Department and across multiple staff levels, could anyone at Citibank inform me and my wife when the hold was put in place, for what reason ( s ), and why this would cause such a drastic measure as clawing back funds from an outside financial institution. The call ended by informing me I should try to use my debit card in 24-48 hours. If I was still having issues, I would need to call Citibank back to inquire about the issue.
I am submitting this CFPB report to detail multiple failures I have experienced while a client at Citibank including : 1 ) Failing to notify customers about account holds and bank to bank transfer reversals ; 2 ) Causing an overdraft event at an outside linked bank without notifying customers of this action ; 3 ) Failing to explain after multiple calls over multiple days when a hold was placed on our account and for what reasons ; 4 ) Selling financial products requiring physical banking branches to clients in states across the United States with no physical banking branches ; 5 ) The poorest customer service my wife and I have ever received from any industry or company we have been clients of.
I am also submitting this CFPB report to seek a fair resolution on my issue as Citi bank has given no indication at this point it is willing or able to be transparent about an issue that has caused significant financial disruption in our lives. Citibank at one point singlehandedly lock my wife and I out of two different bank accounts at two different banks at a time when we desperately needed this account money to pay off credit card bills, to buy food for the week, and to cover other living expenses.
|
| 06/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A XXXX off natural person, original creditor, consumer I am! Macy's/DSNB has been playing with my credit regarding an alleged debt they claim I owe. For the last few months of XX/XX/2021, XX/XX/2021, I have been calling into the customer service department because of various issues with my account. I had to call in over five times in XX/XX/2021 because my credit transactions continued to be declined knowing that I had available credit. I spoke to one representative and was informed that she didn't know why my transaction was being declined and received an apology and was able to get my transaction to go through. I was XXXX off because for one, you don't decline someones transaction in public knowing that there is credit available. I called in several more time in XX/XX/2021 because my account was declined for transactions, I ask to speak with a supervisor and I explained several times that I had credit so why was my transactions being declined. She allowed some pending transactions to go through. I told the supervisor that I have an open end credit plan and she told me that I haven't been approved for an open end credit plan. Who gave you Macy 's the right to pick and choose who gets access to their own credit as I am the natural person the origin of creditor and the only reason you are a creditor is because I extended my credit. Pursuant to 15 USC 1692g g ) The term " creditor '' refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. Once again I had to call in XX/XX/2021 in days later because of declining transactions and was told I needed to speak with the fraud department to confirm my transactions and verify identity. I was verified and confirmed transactions and told one of the guys I spoke to that he needed to be investigating themselves ( Macy 's ) for fraud. They are not the original creditor and unauthorized use of my credit constitute fraud. I also, informed Macy 's to stop declining my transactions but they continued to do so. I spoke to a guy who was suppose to be a supervisor in XX/XX/2021 and he told me that he was deliberately going to decline my transactions on purpose which all of my transactions are for household use for family. On one of the calls initiated in XX/XX/2021 a representative ask me if I had any other accounts with them. Excuse me, why are you asking me about if I have another account with you when I am specifically calling in in regarding to this XXXX XXXX Macy 's account. I can see now that I am being XXXX against due to whatever they are seeing and asking about something that may be linked to why my transactions are being declined. Non of the representatives could explain and didn't see why when I had credit available. I ask to speak to a supervisor again in XX/XX/2021 and I told her that I have an open end credit plan and my account should not be declining transactions. She told me that I was not approved for an open end credit plan. I told her that they do not make that determination the law does. That would be exactly why THE TRUTH IN LENDING ACT was created because of corporations was set forth to deceive the consumers.
1601. Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. The crazy part is Macy 's started routing my calls directly to another department besides customer service in XX/XX/2021. I called in and immediately after being verified the representative informed that she would have to transfer the call. All this nonsense by Macy 's due to me knowing that I am the original creditor and that I have an open end credit plan that they refuse to accept. Macy 's representative supervisor stated that I didn't have credit left and I went over the limit. There is no way possible when it is my credit and as the original creditor I have the right to extend myself credit for household use. You don't have the right lawfully to deny. You don't even have a right to say I owe any debt pursuant to 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; A judge can't even say that I owe a debt pursuant to 15 USC 1692 ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Attorney 's have no power to collect on any debt. If a judge can't say I owe then how in the world did you think you can tell me the original creditor, consumer natural person. I invoke my rights as the original creditor.
We have a conundrum the definition of money is a political decision that you can not define and you can not tell me to pay gold and silver because its not in general circulation and you cant tell me to pay with federal reserve notes because you would perjure your oath, so we have a conundrum on the record, I invoke being a consumer and I dispute nunc pro tunc pursuant to 15 USC 1692h, excluding the first payments back treble for not willfully disclosing valuable information. Mail all payments made on all accounts past and present to XXXX XXXX XXXX, XXXX, Ca XXXX via check. Cease and desist from all forms of communication in collections of all alleged debts you state I owe. XXXX
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| 06/23/2020 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I took out an auto loan with Citi Financial in appx. XXXX for a XXXX XXXX XXXX. I do not remember the amount of the initial loan. In XXXX the financial crises hit and I lost my employment and had to move. In the meantime, the car broke down on the side of the road. When I went to retrieve the car it had been picked up by Citi Financial and was listed as repossessed.
Shortly after I started receiving harassing calls from creditors on the account, and for a long time I paid the creditors. The last recorded payment was XX/XX/XXXX.
Years later, the calls started up again from collection agencies. I finally started documenting them in XXXX. I always spoke with each collection agency and requested verification of the debt in writing. I disputed the debt amounts because I was never informed of the amount the car had sold for at auction and requested proof that it was deducted from the balance. Based on the recent demand requests none of the payments made towards the other creditor went towards the balance due.
My records show the last balance from the collection agency being paid was {$11000.00}, and the most recent demand from XXXX XXXX XXXX was for {$12000.00}. A decade later I realize that the initial balance was likely inaccurate as well.
Since I started documenting the issues with this account and collection agencies I have recorded the following. Each of the messages listed below state that they are with mediation or litigation. That the client is going to take further action which is untrue due to statue of limitations. Also that they are going to come to my place of residence.
XXXX XXXX : Phone Number Called From - ( XXXX ) XXXX Call Back Number on Messages - ( XXXX ) XXXX Messages Left : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Documented verbal conversation XXXX : - Spoke with someone who told me hes very busy and that he is internal litigations, and I wont be getting any address before hanging up on me.
Legal Mediation for XXXX Phone Number Called From - ( XXXX ) XXXX Call Back Number on Messages - ( XXXX ) XXXX ( Number not in service on XXXX ) Messages Left : XX/XX/XXXX XX/XX/XXXX Documented verbal conversation XXXX : - Spoke with XXXX. He stated that they just got the account and that if I wanted the address I could wait for my letter. Asked where I could send a payment, and he said they only accept digital payments. I explained to him that I never received a letter, and the situation with the other creditor. He again stated that they just got the account, and I informed him that I called back the number that had been on my voicemail XXXX XXXX. When I told him that I wasnt making a payment he hung up on me.
Company Unknown Phone Number Called From - ( XXXX ) XXXX Call Back Number on Messages - ( XXXX ) XXXX Called XXXX and unable to speak with anyone because both numbers were disconnected / unable to accept calls.
Messages Left : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number Called From - ( XXXX ) XXXX Call Back Number on Messages - ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) Phone Number Called From - ( XXXX ) XXXX Call Back Number on Messages - ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Documented Verbal Conversation : XXXX - XXXX When called number they informed me the company was XXXX. Called again after XXXX refused to provide address and hung up on me. Then they told me their company name was XXXX XXXX and provided this address : XXXX XXXX XXXX, GA Was later connected to manager who informed me that the company is XXXX XXXX, and attempted to get me to pay the disputed debt.
XXXX XXXX XXXX XXXX box XXXX XXXX, VA XXXX Certified letter mailed to them XXXX Phone Number Called From - ( XXXX ) XXXX Call Back Number on Messages - ( XXXX ) XXXX Messages left this time at my inlaws on XXXX & XXXX ( messages recorded on video ) Messages also left at my uncle inlaws between XXXX & XXXX Documented Verbal Conversation XXXX & XXXX On XX/XX/XXXX a representative from P and R called my mobile phone ( XXXX ) from XXXX at XXXX XXXX CST. At the time I was unavailable, and the representative left the following message : Hello my name is XXXX XXXX XXXX XXXX. This important message is intended for XXXX XXXX ( XXXX ). I received an order to complete an audit on behalf of our client. It is your legal right to be made aware before any proceedings begin. XXXX XXXX. Weve made several attempts to reach you that that been unsuccessful due to no response. All of your documents were deemed undeliverable. One final attempt will be made at your place of residence. To schedule an alternate location or provide a verbal statement press 1 now or call XXXX. Again, XXXX regarding this matter.
I returned this call at XXXX XXXX CST on XX/XX/XXXX and spoke with a different representative. Unfortunately, I was driving and did not get her name at the time. I informed the person I spoke with that I do not agree that the debt is owed, that I would like to receive something in writing, and requested to only be contacted in writing. The representative made the following statements : 1 ) Accused me of not paying any portion of the debt on an initial balance of approximately $ 25k.
2 ) Told me that XXXX and XXXX did not have to nor would they send any written communication as requested.
3 ) Informed me that they were pursing legal action against me for this debt.
4 ) Stated that there were no statue of limitations on auto loans.
5 ) Stated that I had no right to request not to be contacted, and that until I paid P and R they would continue to call me.
XXXX XXXX Solutions : XXXX XXXX XXXX. XXXX XXXX.
XXXX XXXX XXXX, NC XXXX Certified letter mailed to them XXXX Documented verbal conversations and phone information : On XX/XX/XXXX a representative called my husbands mobile phone ( XXXX ) from XXXX at XXXX XXXX CST. My husband called them back right away, and he was asked for XXXX XXXX. He informed them that we have requested to be contacted only in writing.
I returned the call at XXXX XXXX CST on XX/XX/XXXX and spoke with XXXX. XXXX answered my questions regarding the debt, but when she put me on hold to provide an address to send the letter to be contacted only in writing the call was disconnected. I called back and spoke with XXXX. XXXX made the following untruthful statements when I informed her that I was seeking an address : 1 ) The account was in litigation.
2 ) I did not have a right to send a dispute letter.
XXXX then hung up on me when I informed her that the call was being recorded. When I called back moments later she informed me that if I called again she would call the authorities. Despite the idle threats I called back and this time spoke with XXXX.
XXXX confirmed that XXXX XXXX is not an attorney nor are they representing a law firm, and that I do have the right to send a letter disputing the claim as well as asking not to be contacted.
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| 05/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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To Whom it may concern, I think it is important to mention that I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX around XXXX XXXX I attended XXXX XXXX at a XXXX XXXX XXXXXXXX with a friend.
About XXXX XXXX a young woman approached me from a booth to try a product on my face.
I was really tired and sitting down sounding nice. After she applied the product on my face I asked how much the product sells for and she told me it was a special price of {$190.00}.
I told her I was XXXX XXXX and barley live on my XXXX and could not afford it.
After I said I could not afford it and some high pressure sales, I went ahead and purchased the {$190.00} skin care cream. I have a witness.
I handed her my Costco Anywhere Citi Bank Visa Credit Card to pay for it. My witness saw me sign an XXXX for {$190.00}.
After handing her my credit card she told me I was in luck and that a very famous and well known skin care specialist to celebrities was there. She told me he had been featured on XXXX, XXXX XXXX XXXX, she mentioned celebrities and magazine 's I can not remember now. She had him come over to meet me. As he was looking at my face, he asked me what my story was. The girl had apparently told him I was XXXX and could not afford the other products.
As I sat there telling him my story about being permanetly dissabled, that I had recently got out of a dometic violent marriage and I was poor, he was applying product on my face. He had me holding a mirror up to my face.
He whispered in my ear, as long as I promised not to tell anyone, he was giving a year 's worth of product 's for free to me.
I was shocked as I have never had anything like this happen to me before.
He told me he wanted me to have a fresh new start and he could do this for me.
he mentioned he did not want me to tell anyone because then everyone would want products for free.
I promised not to tell.
He told the young ladies working in the booth with him to load up my bags. They were all saying how happy they were for me, dancing around and clapping.
I was so stunned that I had tears flowing down my face. I was so gratful that he was giving me the items for free that I took a photo with him. The date stamped at XXXX XXXX.
At about XXXX XXXX the man asked me to fill out my name addrress andphone number on a form so he could stay in contact with me.
I filled it out. He had me sign and date the page and told me it just summarized my free products. there were no dollar amounts or anything on this sheet of paper. The girl still had my credit card and I asked for it back. She returned it to me.
I left the vender, put the bags in my friends car and continued to walk around the XXXX XXXX XXXX show for a little while before leaving with my friend, On the morning of XX/XX/XXXX I checked my credit card as I odten do after making purchases. I was sick to see XXXX charges of {$320.00} and XXXX.
I contacted Costco Citi Bank Visa Card Company immediately to report unauthorized charges to my account.
Costco Anywhere Citi Bank informed my that the charges were over my credit limit and that I needed to increase my credit limit immediately. I agreed to it, under duress. They then filed a dispute of the charges on account and they told me not to worry.
XX/XX/XXXX Under the advice of Costco Citi Bank I went back to the merchant at XXXX XXXX XXXX to return all the bags they had given me. None of the bags or items in the bags had been opened. i denmanded that they return the {$320.00} and {$3800.00} they scammed me. I have a witness. My witness has a video of this.
XX/XX/XXXX The merchant informed me that they did not have the capability to refund me and could not accept the returned item because they were not affiliated with the actual merchant. They were a 3rd party. They were squite hostile.
The merchandise was being advertised at the booth as Elevare Skin. Instead they presented me with an email address on a pink post it note to contact for a return shipping label to get a full refund.
XXXX XX/XX/XXXX I called Costco Citi Bank to inform them that the merchant at the XXXX XXXX XXXX would not refund me my money. They told me over the phone that they did not have to and not to worry because they had put a stop payment and will be investigating my dispute.
XX/XX/XXXX I called the police at XXXX XXXX to report the scammers at XXXX XXXX.
The police showed up and walked over with me and my witness to the merchants.
The merchants were hostile. They told the police that I will get a full refund when I send the email they had given me on the pink post it note.
The police informed me that they could not file a report or help me because it was a Civil matter.
It is IMPORTNAT to note that there were no signs or notices or verbal instructions that they had a no refund policy. I never received a receipt informing me either.
XX/XX/XXXX at XXXX XXXX I sent and email to XXXX for a return shipping label and a full refund.
XX/XX/XXXX I received an email from vitaliteaces, " Our refund policy is exchange only within 14 days as stated on your receipt and the form you signed. '' XX/XX/XXXX I informed Costco Credit Card of the email I received. Again I was reassured not to worry.
XX/XX/XXXX I also sent and email to XXXX XXXX directly and they emailed me back informing me that they were sorry to hear about my situation but could not help me because it was a third party vendor.
I repeatedly checked on the status of my dispute with Costco Citi Bank and asked if they needed any info or documentation from me. They continually reassured me that they are protecting me and if they needed any information from me they will notify me.
On XX/XX/XXXX, I received noticed from Citi Bank that they had closed my dispute and that I had to pay.
On XX/XX/XXXX When I finally recieved the " receipts '' I looked them up and could not find them.
I searched thier address in XXXX XXXXXXXX XXXX and it does not exisit.
I searched the zip code and it is in Minnesota.
I informed Costco Anywhere Citi Bank Visa Credit Card Dispute Via email.
IMPORTAT : I only signed the XXXX ONCE. There are XXXX different signatures. XXXX looks forged.
On Friday XX/XX/XXXX I had an appointment with Citi Bank in XXXX in the afternoon.
The gentlemen I met with was to help instruct me on what to send Costco Citi Bank. I have a witness.
On XX/XX/XXXX I emailed Costco Anywhere Visa Credit Card my intent to reopen the dispute and sent what the Citi Bank Associate instructed me.
On XX/XX/XXXX I recieved notice from Costco Citi Bank that they were working with the merchant or merchant 's bank to obtain a permanent credit. if the merchant or merchant 's bank will not accept, they will notify me.
On XX/XX/XXXX I recieved notification from Costco Citi Bank that the merchant will not honor their request for a credit. since they are unable to obtain compensation from the merchant, my account has been rebilled.
XX/XX/XXXX Filed complaint with XXXX Attorney General XX/XX/XXXX Contacted XXXX
|
| 04/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
Older American |
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Headnote : I wish to emphasize at the outset that I am submitting a formal complaint to CFPB because Citi has not addressed my specific complaint at all in their replies to the submissions I have made directly to them. They instead change the subject stated in my complaint, while evading my actual complaint. Through this headnote I wish to put Citi on notice that a reply that fails to respond meaningfully to my actual complaint is simply non-responsive, and hereby request that CFPB consider it so.
Executive Summary : As explained further in the sections below, Citi undermined my dispute with a merchant by deliberately filing that dispute with MasterCard ( or MasterCard 's designated decider ) too late, even though warned by me in my original statement of dispute that they needed to file the dispute quickly in order to meet MasterCard 's deadline of 120 days from the date of the original transaction, i.e. by XX/XX/XXXX.
As an analogy, this deadline is comparable to a statute of limitations for filing a lawsuit. No matter how strong the merits of your case, if you file it after the deadline, the court will not accept it. Accordingly, the subject of my complaint is Citi 's mishandling of the dispute that I had originally submitted to them, which Citi did not file until long after the deadline had passed. Citi 's failure to file the dispute in a timely manner pre-ordained a negative result.
Background : On Friday, XX/XX/XXXX, a dispute arose with a merchant in regard to a transaction made on XX/XX/XXXX using my Citi MasterCard. On XX/XX/XXXX, I overnighted a detailed statement of this dispute ( see Exhibit 1 ) to Citi, which was received the following morning, requesting that they file a chargeback with MasterCard. Based upon my research in the MasterCard Chargeback Guide, I provided Citi with the specific chargeback applicable to this situation under MasterCard rules, explained in detail how my dispute satisfied the requirements for that chargeback, and appended the pages from the MasterCard Chargeback Guide that cover the applicable chargeback. The statement heavily emphasized that, under MasterCard rules, the chargeback might have to be filed by XX/XX/XXXX which was 120 days after the transaction date.
The Present Complaint : As recounted in my letter to Citi dated XX/XX/XXXX ( see Exhibit 2, p. 7-9 ), Citi promptly processed my statement of dispute, crediting my account for the disputed amount ( {$2900.00} ) on XX/XX/XXXX. Citi did file the specific chargeback that I had suggested ( as described in the previous section ) with MasterCard or MasterCard 's designated decider, a company called XXXX, XXXX. However Citi did not do so in the timely manner urged in my statement of dispute and required by the MasterCard Chargeback Guidelines with which Citi is obligated to comply. Instead, Citi waited 20 days to file, until long after the deadline I had warned them about had passed. XXXX XXXX decision letter ( see Exhibit 2, p. 2-6 ) rejected the chargeback as " Invalid Chargeback '' / " Late dispute '' and explained that they received the chargeback from Citi 134 days after the transaction date ( on XX/XX/XXXX ), whereas according to the excerpts from the MasterCard Chargeback Guidelines that I had sent to Citi, the applicable chargeback can not be made more than 120 days after the transaction date. Thus the 120 day deadline was the deciding factor.
Citi made it inevitable that the chargeback would be rejected by filing it with MasterCard/XXXX too late. On the basis of that rejection, Citi subsequently reversed the credit for the disputed transaction ( in the amount of {$2900.00} ) that it had initially applied to my account on XX/XX/XXXX. Citi 's letter of XX/XX/XXXX ( see Exhibit 2, p. 1-6 ) notified me of the rejection and the reversal of the credit to my account, and also contained the decision letter from XXXX noted above. The letter requested that if I " still wish to dispute this charge, please specifically address the merchant 's response along with complete details of your dispute. '' My letter to Citi dated XX/XX/XXXX complained about Citi 's mishandling of the chargeback, pointing out that the chargeback Citi filed on my behalf was invalid on its face because Citi filed it too late, which made the information Citi requested about the original dispute irrelevant at that point. It was too late to resolve the original dispute with the merchant through MasterCard 's dispute resolution process because Cit had missed the applicable filing deadline. On XX/XX/XXXX ( see Exhibit 2, p. 10 ) Citi wrote to me announcing that they considered their investigation into my dispute to be complete because I had not specifically addressed the merchant 's response to the dispute, as requested in their letter of XX/XX/XXXX. This letter completely evaded the real issue which ( as stated in my XX/XX/XXXX letter ) was that Citi was responsible for the disputed amount because they had deliberately missed the deadline for filing the applicable chargeback with MasterCard. No additional information about the original dispute, however damning, could change that fact.
On or about XX/XX/XXXX I called Citi customer service, explaining that the reason stated in Citi 's XX/XX/XXXX letter for terminating the dispute was unresponsive to my XX/XX/XXXX letter to Citi. Any additional information concerning the merchant 's egregious conduct would be pointless, since it would not supersede the deadline of 120 days which Citi had deliberately failed to meet. I pointed out that it was no longer a dispute between myself and the merchant because of Cit 's deliberate delay in filing the chargeback with the relevant MasterCard authority, but had now become a dispute between Citi and myself. As a result of this call to customer service, Citi reopened my dispute.
Citi then sent me a letter dated XX/XX/XXXX ( see Exhibit 2, p.11 ) that simply reiterated the fact that the window of opportunity for resolving the original dispute had closed, stating " We no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute has passed. '' Citi 's letter did not address their mishandling of the original dispute, which was the entire point of my XX/XX/XXXX letter. Citi was again evading the real issue by falling back upon the original dispute resolution process even though the window of opportunity for pursuing that process had closed almost 3 months earlier on XX/XX/XXXX, the critical date that I had warned them about in my XX/XX/XXXX statement of dispute.
Since Citi knowingly submitted the chargeback to MasterCard/XXXX 2 weeks after the XX/XX/XXXX deadline, thus dooming it from the start, Citi is responsible for MasterCard/XXXX XXXX rejection of the chargeback. Citi has not addressed their mishandling of the chargeback in any of their communications with me. Accordingly, Citi 's late filing of the chargeback, 20 days after receiving my statement of the merchant dispute, is the subject of the present complaint.
|
| 03/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Hi, last year, when XXXX hit last year, we had to close down the XXXX XXXX clinic I managed because of me and all of our employees were considered " high-risk, '' and most of our clients are school-aged kids who were considered silent carriers. We didn't want to jeopardize anyone 's wellbeing/life. Because of the above, I had to go on unemployment end of XXXX. I called Citibank XXXX XXXX to ask for assistance. After being told about their XXXX relief plan, I accepted their terms, everything was fine up until the fact that there was a clerical error made my account. This complaint has XXXX XXXX XXXX XXXX in XXXX. I hope this okay because they are all interrelated.
XXXX ) The Clerical Error made by XXXX on XX/XX/XXXX is documented by Citibank. I recorded my conversation and had XXXX of the representatives read ALL of the notes in my account for this purpose. The late payment that was falsely reported to the XXXX XXXX companies is derogatory and dropped my XXXX XXXX. This error happened because they kept on file an old bank account that I closed in XXXX in my profile without my knowledge. Which leads to my second complaint ...
XXXX ) I deleted my old bank account information on my profile online through their website. It no longer was showing so I thought it was taken care of. Come to find out, Citibank never deleted my old bank account information despite the fact that I did so on my end. They kept it in my profile on their servers which to me is not okay and very deceptive. Because they did this with out my knowledge, when XXXX and I set up my automatic payments, he told me he assigned it to my bank account. Since there should have only been XXXX on there, it would have been an non-issue since I did my due diligence and made sure my banking information was updated correctly. Since XXXX, you will also be able to see that Citibank knew about my XXXX account because all of my other auto payments were coming out of it.
XXXX ) After I made numerous of inquiries, and did everything that I was told to do by ALL of the representatives that I spoke to, out of the blue, Citibank went and changed the credit limits on XXXX of my accounts with them. My XXXX XXXX went from {$12000.00} to {$5200.00} where I had already charged {$5000.00} charged on it, changing my utilization from XXXX % to XXXX % in a blink of an eye, this of course dropped my XXXX XXXX even further, in addition to my other card with them went from {$6700.00} to {$500.00}. Because of these XXXX massive changes, a total of {$13000.00} was taken away from my credit limits in a blink of an eye. They knew I was disputing their clerical error that posted XX/XX/XXXX over and over, and I did tell them after been giving the run around so many times and spending hours on this dispute that I would take it legal and report them to the XXXX if they didn't fix it out of pure frustration. During a pandemic, Citibank is messing with people 's livelihoods and it just isn't right. We can't refinance our home and if we can't do this, I don't know if we will be able to stay in our home.
I have always been an excellent customer and never missed a payment until they did their clerical error. I have enclosed a time line of all of my calls and am providing a copy of a formal letter that was faxed to them by direction by XXXX of their managers. Please help me get justice and fix this.
CONVERSATION LOG BETWEEN MYSELF AND CITI - Client Focus Team CHRONOLOGICAL OF EVENTS XXXX Spoke to XXXX - pay arrangement made that is when he started payment plan BUT assigned the wrong bank account. A account that I had already removed from my CITI Bank profile online but somehow was still in my CITI account on your side, but not mine.
XX/XX/XXXX Payment plan started XXXX Spoke to? XXXX who transferred me to XXXX. XXXX fixed it and assigned the correct bank account - show delinquent I called then gave me the info to dispute off my XXXX XXXX - account set up / he assigned back to XXXX and removed old Bank XXXX XXXX account XXXX Spoke to XXXX XXXX asked for proof of payment history to see if it was fixed. He never sent it so this is still an outstanding request.
XXXX XXXX PM Spoke to XXXX XXXX XXXX the dispute I asked for a letter reflecting the notes in my account to dispute with bureaus = couldnt get letter, she said no one does that but that I had to initiate the dispute directly with the credit bureaus and that they would then contact you guys directly, and then you guys would respond and set the record straight and fix this false report/error.
XXXX CITI XXXX to dispute received from XXXX and XXXX XXXX was responded as- NO ERROR found XXXX I called to speak to a supervisor XXXX said XXXX could assist me. She ended up writing more notes to show XXXX Department XXXX who made error when they responded to the dispute by XXXX and XXXX XXXX to read the notes from the XX/XX/XXXX conversation/entry. She did this to cover our basis and bring it up closer so the next time XXXX looks at it, they can pull it up and fix this second error.
She said XXXX will be able to see the Client Focus Team notes but that they ( Client Focus Team ) couldnt not see all of their notes. Again, during the course of my conversation with XXXX, she spoke to someone from the XXXX department. XXXX she spoke to I would like to file a complaint on. She told XXXX a lie and told her that I changed the bank account information after the fact on XX/XX/XXXX. She continued to tell XXXX that it was my fault and that there was no error on CITIs behalf. Again, not true and can be easily refuted. I can easily show that my XXXX account has been the source of my automatic payments going all the way back to XXXX. My automatic payments can be traced back to my XXXX account since XXXX. I can also show that my XXXX XXXX XXXX account was closed back in XXXX because I moved to Utah and there are no XXXX of XXXX near me, that is why this changed was made.
After further discussion, XXXX transferred to CITI XXXX Supervisor - Spoke to XXXX in CITI Bank Customer Service XXXX is the ONLY Person who knew that there is a CITI BANK XXXX XXXX UNIT which I have been asking for information on since day XXXX. Every other person who helped me told me there wasnt such a department, which made no sense to me in case of situations like this arise. In any event, which leads us here/now. Please read the notes in my account especially for XX/XX/XXXX and XX/XX/XXXX. You will see that what I have said is accurate and the credit bureaus need to be apprised of CITI Banks error and false reporting. Please give me resolution and contact both XXXX and XXXX bureaus about this error and fix my late payment standing.
XX/XX/XXXX - got multiple notifications from Citibank that they made changes to my account and lowered my credit limits.
XXXX - I didn't know what to do so I went and posted an inquiry and got insight from some other members of this private group I am in. XXXX of them recommended I file a complaint here, so this is what I am doing now.
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| 01/17/2024 |
Yes |
- Credit card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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Re : Account Number XXXX XXXX XXXX XXXX Home Depot Is Attempting To Defraud Me Background I buy many large purchases from XXXXome Depot so that I can get 0 % interest. When I do buy anything from Home Depot where I get 0 % interest, I immediately go into my online banking and set up monthly payments for each month until the balance is paid in the allotted time. I do not pay any interest.
I set these payments up so that each payment has a memo showing which of my purchases that payment should be credited to.
What Happened Over the last XXXX years, I made XXXX different purchases at 0 % interest.
In XX/XX/XXXX, I made the final payment on all purchases from Home Depot. My balance is XXXX. However, I continue to get statements with a balance of {$470.00} which I do not owe.
Problems started in XX/XX/XXXX when Home Depot began a pervasive pattern of not correctly crediting my payments to my account. It could have started earlier. I have not checked that.
Over the time from XX/XX/XXXX until now, Home Depot failed to credit XXXX of my payments. I have not received a correct statement from Home Depot since that time ( perhaps even earlier ).
It took me a while to catch on that there was a problem.
In XX/XX/XXXX, I began to work on getting the problem corrected. To date, I have probably spent XXXX hours attempting to get Home DepoXXXX to correct the problem they caused.
Finally, late in XX/XX/XXXX, they acknowledged their mistake and correctly credited the payments. ( Attachment XXXX -- Home Depot Credits My Account ) However, they continued to send me statements with a balance that I do not owe.
I have been working closely with XXXX XXXX, the Store XXXXXXXX XXXX XXXX XXXXXXXX Home Depot. The best answer he could give me is that I owe money because a store associate made a mistake and gave me 12 months of 0 % interest rather than a shorter term. In some vague way, that supposedly caused me to owe them {$470.00}. ( See Attachment XXXX -- XXXX XXXX Email Explaining ). I have never received a written explanation.
I have spent countless hours and many attempts calling XXXXome Depot Customer Service attempting to resolve the problem. I havent documented all those calls. They were very lengthy and all basically fruitless with ridiculous response. To be fair, it seems that Home Depot has made their Customer Service jobs a nightmare by not adequately equipping them to solve problems.
Because I havent received a correct statement over such a long period, its impossible for me to even be able to get to certainty. I do know that Customer Service told me that a {$29.00} late fee was reversed but it ( also ) never showed up on a statementso its hard to trust their numbers. In fact, I believe that I have overpaid them ( See the notes at the bottom of the chart in Attachment XXXX -- XXXX To Home Depot ). Until I get corrected statements, I can not be sure.
What You Think Would Be A Fair Resolution There is only one fair resolution. My balance is XXXX. I have paid every XXXX of what I owe to Home Depot ( and some extra to boot ; See notes at bottom of chart in Attachment XXXX -- XXXXLetter To Home Depot ). I owe nothing. The only fair resolution is : I get a statement from Home Depot showing a XXXX balance.
I get corrected statements from Home Depot for all the months that they sent me incorrect statements. Note that I still need to be able to go back and see if they have pulled any other financial shenanigans.
I receive a written apology for the shabby treatment theyve given me ( Ive easily spent well over XXXX figures at Home Depot renovating a series of homes ).
If they really want to make this right, theyd give me a free gift card of {$500.00} for all the pain, suffering, grief, and worry they have unnecessarily caused me.
What XXXX Tried To Do To Resolve The Issue I am attaching documentation of most of my attempts to solve the problem ( Its extensive. ).
These Are The Attachments Im Sending Attachment XXXX -- XXXX Letter My first attempt to contact Home Depot Customer service and get resolution.
Attachment 2 -- Home Depot Response I received a letter ( dated XX/XX/XXXX ) from Home Depot in response.
On XX/XX/XXXX, I did as they recommended and called Customer Service. ( I have included my notes from that call in Attachment 2.
This ended up being a 3-hour call.
Essentially what they told me is that they do not have access to records older than 12 months and that I would need to tell them the specific payments that were not credited.
She also told me that all payments had been credited. This was clearly untrue as the amount of the balance did not match what it should have been.
Attachment XXXX -- Emails With XXXX XXXX These are the multiple emails back and forth betweek XXXX XXXX ( XXXX XXXX CA XXXX XXXX XXXX XXXX ) and me.
He was working with the credit card company directly as he said that that was typically a better and faster solution than working with Customer Service.
Only during this long back and forth was it revealed to me that Home Depot has a XXXX XXXX section of customer service with a different address that specializes in solving bigger problems.
Attachment XXXX -- XXXXLetter To Home Depot Time was getting closer and closer to when the deferred interest penalty would kick in.
I spent massive amounts of time ( an entire weekend ) on getting this information together.
It includes a cover letter explaining more of my efforts to get resolution.
It includes a chart showing all the payments that were made and the payments that were not credited ( XXXX boxes on the chart ).
It also explains how I have actually paid more than I owed ( never being credited for a reversal of interest charge for instance etc. See notes at bottom of chart. ).
It includes proof from XXXX bank that those payments were made.
There was only XXXX problem ( caused again by Home Depot ). The XX/XX/XXXX payment shown on my chart was a mistake. I was missing the statement for XX/XX/XXXX and Home Depot SENT ME THE WRONG YEAR when they sent a replacement statement. I did not check the year on the statement assuming they had sent me the correct replacement statement. Otherwise all the XXXX box payments were not credited to my account.
Attachment XXXX -- XXXX XXXX Email Explaining This is a short sequence of emails between me and XXXX XXXX. I have encircled his explanation of why I owe money when I have already paid all payments on time.
Attachment XXXX -- Another Attempt To Get Resolution I am documenting another attempt to get resolution. When I called Customer Service again, I was finally given a direct line to the credit card company. I describe that experience.
Attachment XXXX -- Deferred Interest On XXXX balance XXXX went to the effort of getting me deferred interest on money I dont owe.
Attachment 8 -- Home Depot Credits My Account Confirmation from Home Depot that they have finally credited my account for all the payments they failed to credit me with.
Sincerely, XXXX XXXX
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| 11/17/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a new Citibank checking account back in XX/XX/2023 and deposited a personal check amounting {$1700.00}, issued by my client, I work for him as a caregiver. The very next day they blocked my account. I contacted customer service and was transferred to fraud department, I was told that they couldnt verify the check I had to contact the maker to call them to verify it, the maker did call citibank but they said its not verified phone number so they couldnt accept that. Then I received an email from Citibank that my account will be closed within 60 days. The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated, I contacted Citi several times but they kept transferring me to different departments. Citi representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get the funds, they said I will be receiving a mail with detailed statement and a check of the remaining balance, which is the check that I deposited {$1700.00}.
Ok, no problem. But after patiently waited for 2 months, I received {$25.00} which is the amount that I put in to open an account, no further explanation.so I called them again and only been told that I will not be getting a check because they couldnt verify that the funds belong to me. Imagine you asked me wait for 2 months and now telling me a totally different disposition.. Citi rep stated that I have to contact XXXX XXXX to call his Bank which is XXXX where the funds originally came from, and they need XXXX to file a STOP PAYMENT or Dispute in order to return the Funds to the original account.
Anyways, I contacted the Maker and asked him to file STOP PAYMENTand I had a in a 3 way call with XXXX but After talking to an agent XXXX, I got the same answer that XXXX can not file a STOP PAYMENT because it was successfully cashed and the funds was totally legit and has no implication of fraud. XXXX states that Citibank shouldnt have keep my money and theres no reason for them release the funds directly to me, because it`s my money and theres no issue from them, after the transfer had been cleared by XXXX ( I have proof of conversion with XXXX ). If Citibank suspects any fraud involved in this transfer Citibank should return the funds directly to the original account but they CITIBANK expects XXXX to contact them directly, I even provided Cleared Check Verification letter through Citibank executive department, XXXX contact details are provided in the letter but CITIBANK refused to contact XXXX and expect them to contact Citibank directly.
In the following days, I made numerous calls to Citibank again and Filled complained through CFBP 2 times already this will be the third but seems like Citi is not doing anything to resolve this issue, I told Citibank the information I received from XXXX, but I " ve faced resistance and indifference. Citibank Executive department refused to contact XXXX and insist that I contact the bank and theres nothing I can do and they couldnt discuss any information to me regarding the check anymore.and its now bank to bank transaction and insisted that XXXX should contact them to file the claim despite my explanation of the previous unsuccessful attempts. And nobody from Citibank Back office care to provide adequate information as to why they are refusing to release the funds even after providing evidence and nobody from Citi is willing to work with XXXX to sort this out. Its been a nightmare dealing with Citibank customer service and their executive department. As a consumer, Ive diligently pursued all avenues to rectify this situation. I had waited more than 80 days and spent tons of hours working with Citibank trying to get my money back, but ended up being put into a hopeless position as where I am now. Its ridiculous and beyond frustration.
I went to XXXX Physical and begged for help I showed them Citibank email that Citibank was asking to call them luckily the lady that I spoke was very helpful so she asked for help on their back office. She said theyll call me for an update but she emailed me instead. I have the proof email its legit I can provide its needed.
This is the current Email that Becu sent me : I understand your frustration. I dont think its right that they are refusing to give you your funds but we reached out to Citi to see if there was anything that we can do. On our end the funds are paid and have cleared the account and we have not had them returned to credit them back, essentially Citi still has the funds and would either need to release them or credit us back, so that we can credit the member who can then issue a new check.
We reached out to Citi as you requested and as the letter stated we needed to do to reach a resolution and this was their response that my back office provided : Citi stated that the case in in their back office and we need to wait until they finish their investigation and send us a letter to do anything. Basically, there is nothing we can do from our side, the case is in Citibanks back office, and we need to wait until they finish their investigation and send us a letter. She stated that we will likely end up receiving a letter from them wanting to give the funds back to us. She also said that we have received letters like this in the past where financial institutions want to give the funds back and we dont know the reason, but we receive the credit and then pass it on to our member. It sounds like Citibank is not wanting us to verify the legitimacy of the check or approve the release of funds, but that they have made the decision to close your accounts for an unknown reason. They have their own reason to hold the funds and have not provided us with their reasoning as to why. Once we receive the letter, we can reach out to them and verify we are due the funds and when they credit us back, we will credit our member, who can write a new check to you.
Right now we have done everything that we can do, the check was a valid check that was deposited and that is why it has cleared the account. There is no reason on our end that we are aware of that Citi should be holding the funds and they have provided us no other solution but to wait for them to complete their investigation and send us a letter to have them credit the funds back to us.
This is clear that the citibank is just making an excuse not to release the funds. This is not a lot of money to them its only {$1700.00} but they dont care even if they tainted their reputation and lose customers.
I have evidence like emails and phone call recordings ( I asked for their consent to record it. so its not illegal ) those are proof how citibank dealt with their customers there is no customer service. I will not stop until I get my money back. I have tons of evidence and I am willing to share it if I had to.
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| 04/20/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Servicemember |
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Pls see supporting Citi-notarized Affidavit of Unauthorized Online Wire Transfer & attached timeline and documentation.
Fundamentals : Relevant Citibank Account # XXXX ; Routing XXXX Account Holders : XXXX XXXX XXXX & XXXX XXXX XXXX ( Citi clients 27 years, mostly XXXX XXXX ) Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; XXXX ; XXXX XXXX Debit Card : XXXX XXXX XXXX XXXX ( XXXX XXXX ) *We are both CA attorneys ( XXXX XXXX ) ( XXXX XXXX ) XXXX is a professional writer in XXXX XXXX, CA currently ; XXXX is a XXXX XXXX XXXX to XXXX, XXXX currently.
Fraud Transpiring on XX/XX/XXXX : {$3900.00} unauthorized transfers paid to " XXXX XXXX '' and/or " XXXX XXXX '' 1 ) XXXX ( {$970.00} ) to XXXX XXXXXXXX Acct # XXXX XXXX ) XXXX ( {$970.00} ) to XXXX XXXX Acct # XXXX XXXX ) XXXX ( {$970.00} ) to XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX Citi Case # XXXX - {$970.00} FBI ic3 CyberCrime Case : Filed XX/XX/XXXX. # pending - waiting for case # by email XXXX XXXX, CA Police Dept : Report filed XX/XX/XXXX - Case # XXXX Essentially, at XXXX on XX/XX/XXXX, I received a phone call from Citibank 's correct # XXXX from a " fraud specialist. '' The person stated there was suspicious activity on our account and read I believe three recent transactions in correct amount and service provider form the day before XX/XX/XXXX. He recited my address and phone to me and I believe my debit card number 's last 4 digits and inquired about charges for XXXX and XXXX XXXX in XXXX which I stated were not legitimate. He said they would be sending a new card to my address. I've had many calls from Citi Fraud over our 27-year relationship so this all sounded legitimate. No reason to be suspicious given correct phone # and recitation of all my personal and account info to me. In fact, it sounded as though he were in my account and reading all this data to me given the transactions and account info he had. I learned later that Citi exposes and leaves its clients vulnerable to fraud by providing this transaction info through its automated system with nothing more than a phone #. That is not commercially reasonable.
During this call I provided no personal identification, debit card, or account information, including no customer identification number, personal identification ( pin ) number, SSN, cosigner info, mother 's maiden name, security phrases or passwords, phone or address, or dollar amounts or login info either for online or mobile app ( they already knew those and recited them ). I am 100 % certain of this. The customer id number and personal identification number are the two items required to be given BY ME to effect a commercially reasonable wire transfer under Citi 's own Terms & Conditions. I provided neither of these yet Citi nonetheless ( after giving criminals my account info presumably through its phone system ) somehow allowed 4 HIGHLY UNUSUAL, historically inconsistent XXXX XXXX transactions to initiate and successfully complete from a XXXX XXXX payable to a XXXX XXXX and/or XXXX XXXX in a matter of minutes -- without a single security alert or red flag. We do not send wires nor do we send large sums randomly from our tidy checking account in rapid-fire succession as any cursory review of our account reflects. In 27 or so years I think you could count wires on one hand. Citi has declined transactions in hair salons and donut shops on this account with some frequency - it couldn't catch this kind of bizarre activity? Clearly another security failure.
I won't regurgitate here the attached timeline of expository, truly remarkable facts that reveal the egregious delay and negligent handling by Citibank and the hours that passed being passed around Citi 's XXXX, XXXX call center, hold times, and multiple agents not knowing what to do XXXX try freezing our account as both my husband and I begged! ) and in some cases refusing to authenticate us or speak to us. Please do read - it is astonishing, really. Suffice it to say, once I saw emails from Citi recording this fraudulent activity in our account I immediately, at XXXX XXXX called Citi and our odyssey of negligence began. I wasn't able to get into my account online or mobile app that day ( consistent with fraud ) but my husband could. He actually in real time watched the wires come in, one at a time ( " Now I see four! " ), and show as " Pending '' as he frantically tried to cancel them and get help from CIti to freeze the account and put a SWIFT hold on the recipient account ( at XXXX XXXX we later learn ), with me on the other line doing the same. We got nowhere- no one would even connect me to Security/Fraud. It wasn't until approx. XXXX XXXX. that someone in Fraud finally froze our account for me after much back-and-forth authenticating through my daughter 's phone ( kind of odd they allowed that! XXXX. Despite Citi aware of everything and me speaking with XXXX XXXX XXXX and Wire representatives after more long hold times ( and them telling me supervisors weren't available and then the XXXX XXXX Unit was closed ), Citi knew about these wires and transfers and where they were going and didn't do anything to reach out to XXXX XXXX until a full day and a half later, per XXXX in Escalations on XX/XX/XXXX at XXXX XXXX Gee, I'm guessing most criminals in the wire game don't wait around that long to move their stolen $ out. It's hardly surprising that XXXX XXXX denied Citi 's claim that late. Incidentally, it was XXXX XXXX who helped me learn this information at first - not Citi, whose Wire Unit has been horrific. It took 24 hours to reach someone with authority there - with roughly 9 hours of actual, live hold time! Can you imagine? Even today, when I called simply for the correct fax # for my affidavit, it took 2.5 hours of hold time to connect - for a fax number! Based on my conversation with this XXXX, who decided to label our fraud a " scam '' and tell me Citi does not bear risk for these transactions -we do - Citi played hide the ball with me about the process of recovering our funds and the Affidavit I would need to process to even initiate the process with its Incident Reporting Unit. it was only when I pushed today and said I was considering filing this complaint that she was more forthcoming about the process. She tried to blame the branch for not having the info but she did let slip that they don't give this information out freely. It's really remarkable. I am happy to provide any further details warranted. I've left a lot out here. It was a very chaotic, upsetting, distressing situation that prompted unprecedented emotion in me, much of it directly flowing from what Citibank put us through for hours just to try and freeze our account and try to contact XXXX XXXX, much less exposing us in the first place with its lax security mechanisms. I can't imagine many depositors appreciate how vulnerable they really are. I still don't know if my phone has been hacked or if online/mobile app banking is safe at this juncture for me.
|
| 05/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
|
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In XX/XX/XXXX I contacted XXXX XXXX XXXX in XXXX to see if I could qualify for a loan on a house to be built in XXXX. I spoke with XXXX XXXX, who was my loan originator. She assured me that they could do the loan, so in good faith I filled out application paperwork. During the process she would call my mother, who had referred me to her, and ask fr information as my mother and father were helping me with the down payment on a house and my mom was also going to by on the deed to my house, but not on the mortgage. It took about 2 months to close and to my knowledge, I applied as a first time home buyer and needed to be homesteaded in the state of XXXX to get a discounted rate on my taxes. Up until the time we closed, she constantly asked for more paperwork and for me to show more income. Right up until the day of closing to where I had finally had enough and said, XXXX, I have no more money, I make what I make and all I have in savings is all I have. Magically that afternoon we closed because she " worked it out. '' At closing I discovered I had a second home rider attache to my mtg and a lot more fees added than expected. My original good faith estimate had around {$6600.00} in closing costs. At closing they wanted over {$12000.00}. I was very upset but by that time my parents had put down around {$27000.00} in deposit on the house that was being constructed and would n't get it back so the title company said to just sign the paperwork and we 'd work it out after. That started a chain reaction of almost bankrupting me. I closed on my house IN late XX/XX/XXXX. I moved into my house on XX/XX/XXXX. I had no job as I had to quit the one I had in XXXX, which my loan officer knew, and did not get a new one until XX/XX/XXXX. In between the time I moved to XX/XX/XXXX, I found out the mtg company severely underfunded my escrow and did n't file my homestead so my taxes went sky-high and took my payment from just under {$1200.00} to {$1700.00}. At that point my loan was sold to Citimortgage. I called their loan servicing area to negotiate my escrow shortage based on the escrow analysis paperwork they sent and asked in the meantime if they would just accept the amount of the P & I until I could straighten out the tax exemption on my house. They said yes, fine, send your P & I monthly. Which I did, however, what I did not know is the following months they were applying my P & I to the escrow shortage thus making my payment shortened and all out of whack. I ended up having to rent my house out after just living in it for 10 months because I saw no other way to catch up the shortage. Citibank called me to work out a modification and asked me for my financial paperwork, which I submitted. They told me they could do it. They they said they could n't. Then they said they could do an internal modification. And then they said they could n't. This dragged on for months. But as I was collecting the rent I was adding to it to make more than the regular payment so I could catch up. They also discussed in the meantime, doing a " strategic '' payment delinquency. So in order for me to qualify for their modification I had to be delinquent 90 days. They said they could definitely modify me. While this was happening the lease was up with my current tenants and I asked if I had to move back to the property or if I could rent it out again. XXXX, whoever the servicer was at the time ( it changed a lot ) said yes, I could rent it again because they had non-owner occupied modification programs. So I signed another lease renting to the grown children of my neighbors ext door. Not even a month passed before my tenants, I and my parents were served the notice of Lis Pendens. I called Citimortgage irate because they lied to me and said oh no, they could n't modify me because I did n't occupy the property to which I replied that they told me I did n't have to, that I could continue to rent my house out. They said no, they Must have misunderstood and in order to modify I had to occupy the property. So I had to start the process of getting my tenants out, and they did not take kindly to that as they stopped paying rent so therefor I could n't start making the mtg payments back after the " strategic default ''. Eventually after many months of non payment I was able to get the tenants out and move back to my house to live in it. XXXX did modify my loan but I still could barely afford to make the lowered payment, which was close to {$900.00}. My income was not cutting it and I was actively searching for a higher paying job. I attempted to cut down some of the mortgage payment costs by contacting my insurance company to re-evaluate my house to see if I was carrying too much insurance and they did estimate it at a lower value so my premium decreased. XXXX then informed me they were force placing insurance on me, even tho I was insured adequately according to the insurance company. They said the force placement would be from the time I got the value re-estimated to the time they initiated the force placement. Then I lost my job. We tried then to short sale the house and had a cash buyer for $ XXXX. All parties agreed to it but then the servicer sat on it for over 30 days. The real estate company called them every day asking how things were going and they said everything was fine. When I originally did the loan I was working for a XXXX in XXXX in XXXX XXXX. When I moved to XXXX I became a XXXX XXXX. Looking back over everything, the 2nd home rider, the shortened escrow, something did n't seem right. So in once of my many phone calls with XXXX I asked them if they would send me the DU as this was a FNMA loan and they did. What I found out was breath taking. My loan actually was n't approved by FNMA until the end of XX/XX/XXXX. But I closed on my house in XX/XX/XXXX ... They sent me a few copies of the DU they ran. The early findings around the time I closed said I did n't qualify. But then magically, in late XX/XX/XXXX I was approved. A few things had changed. My 401k that I had balance was inflated and an investment that I did n't actually have, one that was made up seemed to have just enough to " qualify '' me. I guess that 's what XXXX meant when she said she " figured it out. '' My parents ending up taking out of their life savings almost $ 100K to put as a down payment on the house because I could n't afford it on my own. I had to cask in my 401k to live between XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I only made around $ 22K and yet I paid over $ 10k in mtg interest leaving not a lot left for bills and needs. And the simple thing was, if I did n't qualify for the loan, why did n't they just turn me down? Instead of ruining my credit, my life savings, taking money from parents I 'll never be able to repay? I 'm XXXX now with a XXXX XXXX XXXX and it will be some time before I can afford a home for her to grow up in. All because it was more important for a bank to make their yeald spread. Disgusting.
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| 08/03/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX a company XXXX ( XXXX ) XXXX called me with threatening language saying they were contacting me a " serious civil action against me ''. This made me feel very anxious. They claimed to have attempted to " serve me '' at a previous address.
For the record, for the over the past year I have been dealing with a serious XXXX condition that required hospitalization, XXXX home stays, independent living, and a cross state move to be close to my clinic. XXXX is a HUGE trigger for my condition. I legally reported my address change by forwarding all mail to a relative while in XXXX homes and subsequently changed my permanent address with the USPS on XX/XX/XXXX after moving into independent living where I currently reside.
This company claims to have tried to serve me at my former address, although they did not have a specific date when I asked the very rude lady. After talking with this very aggressive female, she did not want to answer who this XXXX company was and just gave me another number for a company with a reference number. The name of this company she said was called XXXX XXXX ( XXXX ) XXXX reference # XXXX XXXX XXXX. I immediately called the number and spoke to a male identified as XXXX XXXX. This gentleman spoke quickly and aggressively stating he was trying to collect a debt and court cost filings for a Citibank Visa credit card. Firstly, I know I do not have ANY credit accounts in bad standing. Secondly, I started to remember that a few years ago I got a similar string of threatening calls from a company I thought had a similar name. I did not report this to the CFPB or FTC because I did not know I should. I reported it to my paid ID Alert service from XXXX XXXX Bank as I believed it was an attempt to collect money and gather sensitive information. I looked back at my records and found that the same company XXXX had my full SS # and phone number and was threatening to have someone come over to my house and serve me within a " business day '' and was offered to pay a settlement over the phone. When I asked for everything in writing and gave them my email, I never got the email. In XXXX there was never an additional company called XXXX XXXX. I then reported it to my ID Alert Service as I had been a victim of identity theft in the past that had been reported properly to police.
So, on XX/XX/XXXX, I tried to ask XXXX XXXX questions about XXXX XXXX and this " alleged '' account, but he tried several times to redirect me by saying, " I am just trying to work with you. I can get you a settlement so you will not have to pay the full amount owed or the court costs ''. He said I owed {$1900.00} on a Citibank Visa credit card opened in XXXX and it was paid on for 2 years. He had last XXXX of my SS # and said it was attached to the account. He also said I owed {$25000.00} in court costs associated with collecting this debt. I knew I did not have this credit card and I also knew XXXX was so inappropriate. I asked him why in over 10 years have I never received any notification from the original account holder about a debt or in that matter an official letter from XXXX, XXXX XXXX or anyone saying there would be legal action. He claimed a letter had been first 40 days then 60 days ago sent to my former address but since I moved that is why I had not received it. Every time I unknowingly gave him more information, he had an excuse, or the circumstances changed from a certified letter to a mailed letter. I knew if this was legitimate process/server, they could easily have found my updated address. I tried to collect facts. I asked for EVERYTHING we just spoke about including the original account holder name with contact information, account number, his company 's address and phone number and the amount owed with court costs to be provided to me in writing through XXXX mail. He said since I had " moved so much '' ( XXXX time ) I should give him my email address to " get things moving faster. '' I provided my email address and within a half hour a letter was sent. I also knew this to be a red flag, if this collection was legitimate a mailed letter through XXXX would have been customary. Meanwhile, I goggled XXXX XXXX and saw a few others had experienced scam type calls with threats trying to collect for debts that were not legitimate. Their website did not have a posted company address or phone number, just business hours and an online submission form for contact. The website had not been updated since XXXX. I found these to be red flags. I found by company address provided on the emailed debt letter that the corporation XXXX XXXX XXXX had only been in operation for 7 months and had many prior state 's locations which also raised a red flag. The debt letter received by email was very basic, it did however contain the same graphic as the website. There was no mention whatever of the outrageous court costs mentioned by both callers. There was no contact information about the original account holder but there was an account number. Also, there was a very poorly placed legal footnote I assume put there to make this seem legitimate and also threatening to include some legal verbiage. The letter was signed by someone else, not this XXXX XXXX who I had spoken with on the phone. More red flags. I checked my credit reports from all XXXX agencies just as I did in XXXX and found no such Citibank Visa opening in XXXX or being paid upon for 2 years. I did not reply to the email.
On XX/XX/XXXX XXXX XXXX called me from the same number on the debt letter speaking again very quickly and aggressively. I even asked him slow down and not speak over me telling him I had medical conditions and that he was being very unprofessional. He said if I did not make arrangements with him today and pay a settlement then I would be served and would have to pay a lot of court costs. His response when I told him that I checked all XXXX credit reports for this account was that it would not be on there because the original account holder was trying to reach a settlement before going for a judgement. He said because it was not a judgment it would not show up on my reports. I said I am talking about the original account being opened in XXXX as you stated yesterday and being paid on for 2 years. He did not have an answer but rather repeated himself repeatedly and continuing to talk over me.
For the record, my credit history reported to all XXXX agencies speaks for itself. There was never an " alleged '' account opened. I have an excellent track record of XXXX late payments holding multiple credit cards accounts.
I think the scare tactics, use of legal jargon and repetitive threat of legal action/fees is meant to scare people. Unfortunately, when you have a XXXX XXXX like mine, the XXXX does trigger more health issues for me. This needs to stop. Please, I need your help investigating and punishing this organization.
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| 12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My name is XXXX XXXX, and I am responding to the request in regard to my credit report. I have contacted Macys to inform them of my financial situation on several attempts during the COVID pandemic XXXX, only to be turned down each time. This is the only account on my credit report that has closed during this time due to the fact that they didnt offer me any assistance. All of my other accounts are in great standings, and I fulfilled all of my agreements with them as I would have if Macys had given me the opportunity. Instead, they denied me help during a world pandemic/shutdown. Lied to me, closing my account without my knowledge or consent. Then continued to illegally charge me interest and fees.
XX/XX/XXXX - XX/XX/XXXX Called Macys to inform them that my family and I were getting sick, and I had to take time off from work, I had no way to make my payment.
XX/XX/XXXX Still suffering from Covid and I started losing family members, I was told there wasnt any help.
XX/XX/XXXX Received letter not that my account was closed, but to update my account information and get my account on the right track. And maybe if I qualify, they can offer a solution for my financial difficulties.
XX/XX/XXXX Called in and asked for help once again ( I was never informed that my account was closed ). I Explained that I was trying to assist my family with burial. I was told to make partial payment to show good faith, and this would allow me to keep the account open and get COVID assistance. ( Why would I only make a partial payment? This was an agreement Macys offered me to keep my account in good standings ). I made the payment, and they turned around and closed my account anyway. They continued to charge me interest and fees for several months after my account was closed. They lied to me. Closing my account ruined my credit and stopped me from assisting my family with burial. I had no way to bury my family. This was devastating for me. ( Statement included to prove payment and the fraudulent interest and fee charges ).
XX/XX/XXXX Received denial letter with no valid explanation why?
XX/XX/XXXX Received another letter asking for more information regarding COVID assistance. When I called it was only for them to collect information for repayment and demand me to pay the balance within 6 months. Most of these companies received pandemic funds to assist account holders like me, what happened to that assistance? Can someone investigate to see if any of these companies ' received funds and hold them accountable for not assisting me?
XX/XX/XXXX at XXXX - I called XXXX, spoke to XXXX and I found out that my dispute was processed wrong? I called the agency directly to resolve this and the agents themselves processed the disputes. How was it done wrong? Or is this sabotage because of the profitable agreement they have with the companies? Favoring XXXX company and not allowing me to work with another, or just holding me back from opportunity? She even saw the neglect to help in a pandemic crisis and the fraud that I have proven with the extra interest and fees for the months that my account was reported closed XXXX, XXXX, and XXXX.
Fraudulently Charged I was told to make partial payment to show good faith, and this would allow me to keep the account open and get COVID assistance. They state on my credit report that they closed my account XX/XX/XXXX ( during a time that I really needed my credit for family burial ) and continued to charge me interest for XXXX, XXXX, XXXX. ( Statements provided ). I had no access to my card.
UNFAIR CREDIT SYSTEM - UNFAIR CREDIT REPORTING The average consumer isnt educated on how the Credit Bureaus generate business with banks and companies for profit. Or that they even make a profit at all?
The credit bureaus invade your privacy without your knowledge at the age of XXXX. They buy/sell your financial information to companies/institutions also known as data furnishers = banks, credit-card issuers, and loan companies for profit.
They track your credit score until it reaches an acceptance point ( called prescreens or trigger list ). Allowing them to target low-income families knowing they need help, offering high interest rate products creating deeper debt.
Wealthy families wont accept these high interest rate offerings, they automatically see failure. Plus, they arent desperate for help, so the bureaus send them the low interest rate card offers with higher credit limits to entice them.
They track your score by utilizing an unfair mathematical system they call an algorithm. Along with whatever notes the companies/data furnishers want to put in the system to hold you back from doing business with any other companies/lenders or because they feel you owe them money or were late on payments.
I understand the government utilizing this information for employment and law enforcement agencies. But allowing these companies the same authority and access is clearly proven to be unfair, devastating and a major disadvantage for consumers and families. They are not using or reporting information ethically or accurately.
These companies get to go to their computer and put in whatever they want, and it affects my future, lifestyle, work, health, etc. But most importantly it affects my credit score. It adjusts automatically/immediately as soon as they press enter. But when you dispute something as a consumer, it doesnt change your score back to what it was previous to what was said by the company. Even if you have proven the company to be wrong, it only comes back as accurate and remains on your credit? This credit scoring system only favors/benefits the companies, not the consumers.
As a consumer, I have to go through this rigorous process called a credit dispute only to get pushed through an automated system. I am so irrelevant to them that they dont even have a real person to look at what I am forwarding to them. With my dispute, I spent money on several occasions to send in additional information proving discrepancies/inaccuracies/fraud and no one even looked at it.
I am very concerned about this credit scoring process it is very controversial and is forced on us as consumers. Consumers who are not aware/educated on this credit scoring process feel as if they have no choice but to comply, experiencing neglect, invasion of privacy, and selling their personal information in order to get help/assistance in a time of need. Or to just simply build credit in order to exist in this unfair algorithm world that they have created to line their pockets and are forcing us to live in.
How is this happening when there is a law that banks are obligated to meet good faith standards regardless of the customers financial situation or credit score. They can't predict what your financial future holds, nor should they be able to hold you back from future opportunities.
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| 03/09/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I opened a Citibank Checking and Savings account on XX/XX/XXXX in response to Promotional offer XXXX from Citibank that if I deposited {$50000.00} in new funds into the checking+savings accounts and maintained that balance for 60 days, I would get a {$600.00} bonus. I did everything needed to satisfy the offer, but due to a Citibank funding error, Citibank delayed in funding my account, and they have refused to honor the promotional offer.
On XX/XX/XXXX when I opened the account over the phone, I provided the funding instructions on that same phone call ( XXXX ) when I opened the account on XX/XX/XXXX to draft the funds from my XXXX XXXX XXXX account. I instructed Citibank to draft {$50000.00} into my new Citibank Savings account under check number starting with " XXXX '' for the XX/XX/XXXX ( XX/XX/XXXX ) date of my request to fund the account. I also asked that they draft {$5000.00} to fund the checking account, for a total of {$55000.00} new funds into the Checking+Savings accounts.
On XX/XX/XXXX, I called back to Citibank ( XXXX ) because I noticed the {$50000.00} and {$5000.00} drafts had not taken place. The representative let me know, " Funding of the account should happen in 7 to 10 business days now that the paperwork is complete. '' She also let me know that my debit card for the account had been mailed the previous day, on XX/XX/XXXX. At this point, the representative let me know there was nothing more for me to do to have the account fund, and it would take place in 7 to 10 business days, so I would satisfy the offer for my account opened on XX/XX/XXXX.
I called Citibank ( XXXX ) again on XX/XX/XXXX because I noticed that my XXXX XXXX account had still not been drafted by Citibank per the instructions I gave them on XX/XX/XXXX ( and which were confirmed to me on XX/XX/XXXX ). The customer service representative I talked to on XX/XX/XXXX was named XXXX. XXXX was very thorough and investigated the issue. XXXX saw that there was a funding error on Citibank 's side, and he said that he could fix that issue and fund the account. He also talked with the " Assistant VP of his Department '' to confirm that the error was on Citibank 's side and the Assistant VP of the department signed off that there should be no problem with me getting the bonus once I have satisfied the 60 days of maintaining the $ 50,000+ balance. XXXX said he discussed with the Assistant VP of the department that I was now past the original 30 day window to fund with $ 50,000+, but since the funding didn't take place due to Citibank 's error, the offer can still be earned by me. XXXX told me that the funding will use the same XXXX XXXX Routing/Account numbers that I provided on XX/XX/XXXX, and that the " check numbers '' used in the drafts will be XXXX and XXXX, since I had asked for check numbers with the XXXX in the number for XX/XX/XXXX ( the day I opened the account and provided the funding instructions ). Those two checks did draft on my XXXX XXXX account two days later ( XX/XX/XXXX ), with check XXXX drafting for {$5000.00} for the Citibank Checking and check XXXX drafting for {$50000.00} for the Citibank Savings account. Note that I was not asking for any changes in the funding compared to my instructions on XX/XX/XXXX, and it was a Citibank Error that the funding had not taken place right after XX/XX/XXXX. It took human intervention on Citibank representative XXXX 's part on XX/XX/XXXX to get the Citibank Error corrected. There was nothing I could do beyond what I had already done on XX/XX/XXXX ( which was also confirmed to me on XX/XX/XXXX when I spoke with Citibank as documented above ). XXXX let me know that if I don't get the {$600.00} automatically when the 60 days is up, I can simply call back and ask for a " Dispute '' to be opened, and they will then be able to review the notes on the account and see the Citibank funding error that caused they problem, and they can then honor the offer since I did everything to meet the requirements, and it was only Citibank 's error that caused a problem with the offer.
On XX/XX/XXXX I called Citibank at XXXX and they looked at notes on the account and said the assistant VP of the department signed off that there was Citibank error, and I was still going to be able to qualify for the promotion. The notes from the assistant VP of the Department were clearly on the account.
On XX/XX/XXXX, I called Citibank at XXXX to see if a promotion dispute can be opened for the offer. The gentleman I spoke with reviewed the account and. He said that I should wait until 60 days of maintaining the $ 50k+ as well as an additional 30 days to let the {$600.00} offer credit to happen. He advised me that if I don't see the {$600.00} bonus by XX/XX/XXXX, I should call back and open a dispute. At this point, on XX/XX/XXXX, he reviewed the notes from XX/XX/XXXX and again agreed that the Citibank funding error was properly documented, and that he could see I would qualify for the {$600.00} bonus.
On XX/XX/XXXX, the {$600.00} bonus had still not been credited. I called Citibank at XXXX to check on things At this point, the customer service representative, " XXXX '', said he could not find any notes on my account about a Citibank funding error on XX/XX/XXXX or on any other date. I said, " You're kidding me. '' I couldn't believe that. Did Citibank delete notes from my account that were disadvantageous to them? I really can't believe that a banking institution would be able to delete notes on the account where they acknowledge a funding error that hurts the customer. I asked to open a dispute on the matter, so that my account could be reviewed, and so that Citibank would honor the {$600.00} offer for me keeping $ 50,000+ in the account for months.
On XX/XX/XXXX Citibank closed my dispute and denied the {$600.00} offer, indicating " Unfortunately, your account does not qualify for this promotion because the required deposit was not made within the stated timeframe. '' I called Citibank on XX/XX/XXXX to open a second dispute. I am doubtful that Citibank will investigate my second dispute thoroughly to find the notes on their Citibank funding error that caused my account to not fund until XX/XX/XXXX when I asked them to fund it on XX/XX/XXXX. It is unethical for Citibank to provide this offer and for me to do everything to meet the offer, call back so many times, and for Citibank to not honor the {$600.00} when the only reason the funding didn't happen on time was due to a Citibank error. Citibank has had my {$50000.00} in a very low interest bearing savings account for months and been letting me know the offer is still good, and then suddenly all of the notes they had about the funding error disappear and they say they won't honor the offer.
I take very detailed notes with every financial call that I make, so that's why I have the dates and names above.
|
| 08/03/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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To whom it may concern, I WANT TO FILE A PRESIDENTIAL COMPLAINT. On XX/XX/XXXX I opened a short-term ( 3 months ) Certificate of Deposit ( CD ) account with Citibank. Once this account matured, I no longer wanted to continue the CD account and called Citibank at ( XXXX ) XXXX ( this is the phone number I received through email to call to cancel the account ) on XX/XX/XXXX to close out the account and for me to receive the funds. The representative I spoke with mentioned she was canceling my account ( reference number for closure of XXXX ) and that I should receive a check by mail no longer than 10 business days. After about 2 weeks of not receiving any check, I once again called back, and after speaking to another representative they mentioned that the person that had initially submitted the inquiry to send the check out did so incorrectly and that the check was never sent out. After speaking with her, she mentioned that the check will arrive this time within another 10 business and that the back office was the one distributing the funds. Another 2 weeks go by and no check has been received, so I decided to call on XX/XX/XXXX once again to find out what was going on. This time I asked to speak to a manager, which I believe his name was XXXX. When I spoke to the person in charge, I explained to them the situation and what was going on. They verified my mailing address ( which of note, is the same address that I have always had on file, it has never changed, and I also explained to them that I was getting corresponding letters from Citibank for promotions on credit cards to that address, although the check for some reason was not arriving ) and told me that once again they'll place an order for the back office to reissue the check and place a check stop on the current one. I ask if there was a way I can track/expedite/sign off on the check once it arrived but they told me there was nothing along those lines that can be done and I would have to wait. During this conversation, I explained to the manager this would be the 3rd time sending out the check, I also told them to notate my account regarding this issue. I also asked if there was anyone else in charge I can speak with regarding this matter, but I was told I would just have to wait and nothing could be done at the moment. After roughly another 2 weeks going by and no check being delivered, I decided to go to one of my local branches in XXXX ( XXXX XXXX XXXX XXXX, XXXX Ca XXXX ) to resolve the matter. Once I arrived, I spoke to one of the representatives there and explained to them my situation. He said that the potential reason for not receiving the check was probably due to my address and that he will update it and reissue a check ( my place of residence is an apartment and he mentioned the apartment number was placed in the wrong place ). I explained that I still received corresponding letters from Citibank to the address and didn't think this was the issue. I told him to notate my account regarding this encounter as this would be the 4th time them reissuing the check. Once again I asked about expediting/tracking/signing off on the check but was told that couldn't be done since the back office is the one that deals with this. I asked for the back office phone number but was told they didn't have it. I asked if the branch would just be able to just write me off a check but was told because I had canceled the account via phone originally, the back office was the one dealing with the check and the local branch would not be able to give me a check. I was told it will take up to 10 business days again. Once again, another 2 weeks go by and no check has been received. I decided to once again go to the XXXX location and once again explained the whole situation, this was on XX/XX/XXXX. I asked to speak to a manager and was told they were really busy at the moment and that they would not be able to help me out currently. They explained to me that it would be better if I went to the XXXX XXXXXXXX branch because it was a slower location and that the manager there would be able to assist me. I decided that same day XX/XX/XXXX to go to the XXXX XXXXXXXX branch ( XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX ). I spoke to XXXX the general manager that day. I explained to him the whole situation. He sent out an inquiry to client care and told me I would be getting a call/email/letter correspondence regarding the issue in a couple of days. He explained that I would have to wait on a response from them and that he couldn't do anything at the moment. After about a week and a half, I received a letter from Citibank 's Corporate office through the mail stating " Our records indicate that on XX/XX/XXXX your 3 month CD was closeout at maturity with no penalty with the amount of {$20000.00} and the check was issued to your mailing address on XX/XX/XXXX. If you wish to have the check stop and re-issued, please visit the branch where the check was issued to have a stop payment placed ''. On XX/XX/XXXX I went back to the XXXX XXXXXXXX Citibank branch to speak to XXXX the general manager and showed him the letter. I asked if there was any way the XXXX XXXXXXXX branch would be able to make out a check with the funds or create a checking account with the funds in it but he said he was unable to do that. Out of all the people I interacted with, he was the only one that really tried to help me out, although limited in what he can do. I want to submit a presidential complaint against Citibank because it has almost been 4 months since the closure of my account and I still have not received any of my money. I was able to receive the corresponding letter about the inquiry of this case, but for some reason, the check never seems to arrive. When I tell them to track, or for someone to sign off on the check when they receive it, Citibank tells me they're unable to do that, which I find ridiculous. When I ask the local branches if they can make me out a check with my funds, they're unable to do that as well. I have had to spend countless hours on the phone/in person regarding this matter. When I contacted customer service to obtain all the records/notations of my account regarding this matter for my personal record, they tell me they're unable to provide that to me. I will never ever again invest any money with Citibank, this has been an extremely frustrating and awful experience. I don't see why I have to jump through hoops to get MY MONEY! When I call Citibank 's main number no one is able to help regarding this issue, again they tell me they can reissue the check but every time they have done that I still don't receive anything ( although I do receive all other letters to that address from Citibank ). Every time that I have gone to a local branch it seems they want to through the blame on someone else or the branch is very limited in what they can do.
|
| 09/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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With a broken heart I am pleading with the Consumer Financial Protection Bureau to PELASE help me investigate XXXX XXXX Macys and Bloomingdales XXXX I have suffered lies, verbal aggression and financial hardships because of the way my account was mishandled by Bloomingdales/AMERICAN EXPRESS/MACYS.
Earlier this year Bloomingdales failed to send me statements to physical mailbox at XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX on many occasions. They claim that I signed up for paperless statements but I NEVER did! That option was never selected by me. My husband and I signed up for auto-pay and that was it. Many months before this we went through XXXX and back dealing with customer service representatives and tech support in various other countries who were trying to fix the mixed profiles on my account and they could not. A few months after in XXXX they claimed it was fixed and the two inactive accounts would not show up on my profile but they did, and my husband and I were unable to link our accounts over and over again. I called Bloomingdales and let them know that I have auto-pay set up but I was NOT able to see my statements at the top of the credit card section because of past linked cards so I wanted to make sure I received statements in the mail. After not receiving XXXX I was charged astronomical late fees that over drew my auto-pay and because they failed to mail me statements the late went unnoticed until almost 3 months later. I finally got a call about it being overdue around XXXX.
I called right away and paid the balance and spoke to 2 representatives ( XXXX and XXXX XXXX who reversed ALLLL of the fees and assured me that the late that had shown up on my credit report would be reversed as well and that it was definitely going to be done and all I had to do was call Monday to the east coast at XXXX XXXX ) XXXX ( this was the number XXXX # XXXX and XXXX gave me ) and inform them that the late was not my fault and that along with the reversed fees I should also have my credit report corrected. When I called the following week I spoke to the most aggressive, condescending, sarcastic and hurtful representative who would not let not me speak and pretty much raised her voice at me and made me cry! She refused to do anything, and after I asked her to please check what the last representative had noted about correcting my credit report she claimed that nothing was noted. The original representative said she would SEND me a letter confirming that the late would be removed and that she would put a note on the account that the unseen statements were not my fault and that it should be corrected just in case i had further problems like last year. XXXX ( # XXXX XXXX was the representatives name that made me cry and she refused to let me finish speaking! She was so mean to me that my whole body was shaking in disbelief and my husband was very concerned for me at that moment.
My issues are that I never asked for paperless statements as they claimed. I ONLY set up auto-pay and told the representatives not to sed me paperless because I had 2 other credit cards appearing on my profile which showed {$0.00} balances ( one was closed and one was an authorized user ) because it was VERY confusing that I COULD NOT link only my NEW card!
I was told earlier this year and late last year that Bloomingdales was going through a system update and the office systems and computers were changing and that I would probably have issues for a while and It has indeed been very unorganized at their offices and on their website!
I begged and pleaded with XXXX, XXXX # XXXX and XXXX # XXXX for a review of my phone calls and I was refused. I wanted them to hear for themselves what the two representatives had promised me and they refused ; claiming it was not their JOB/REQUIREMENT to let me hear that! What is the point of recording me if you can not use it to verify employees mistakes against customers? Are they only in the business of falsely incriminating customers?
BLOOMINGDALES returned allllll of the fees and interest that threw my account over the limit on my auto-pay. I was charged back to back insane fees and they were reversed. Therefore that LATE should not be reported. Why returns fees and interest ON THOSE fees and not correct a late if it was my fault? I told the representatives that I was only calling about the LATE on my credit report, not the fees. I never asked for fees to be reversed but when XXXX investigated this matter for me she assured me that I was not at fault and that the late would come off and as a result OBVIOUSLY the fees and interest would be returned to me as well. hence, so should the late on my report be corrected.
Bloomingdales bombardes my email account withrewards statements, sales and ridiculous junk mail from their associates and this is very confusing and there is no way one could see important statement information when they are mailing me tons and tons of other things and backing up my email! I even unsubscribed many times from all rewards card information and still till this day they are sending them to me. The rewards card with Loyalist sends emails with STATEMENT in the subject line, who would n't confuse this with credit card statements? PLUS, I never signed up for statements from my XXXX XXXX to go to my email, so I would never know to check there! This company is very amateur and unprofessional and they put customers at risk and then refuse to acknowledge their mistakes. I have been an employee at Bloomingdales in XXXX XXXX and I can not believe that they are doing this to me. It is not fair, they lied to me. It is not my fault that they have representatives who are misinformed and tech-support agents that can not fix very common and simple issues!
The only solution they offered me was that their representatives would be coached. But that does not help me! I was WRONGED! I have lost over XXXX points on XXXX for this late and my authorized user has lost a mortgage refinance because of their negligence. Their website if very confusing and there is no way I signed up for paperless statements. My husband informed me that the statements could not be seen and the account could not be linked because the old profile would not let me at the time so we moved it to auto-pay to be safe and requested mailed statements. That is that! Whatever happened in between that is not properly documents and I am being toyed with and it is unfair and all based on poor account management and note taking by representatives. My account has a credit of {$48.00} and yet I am still late for the month of XXXX XXXX. This is wrong, ridiculous and ironic!!! They refused to properly investigate this and that is a problem because when I called tech support and asked for statements I was speaking to people who barely spoke ENGLISH! I am not surprised my account was mishandled.
|
| 06/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
|
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This complaint is regarding a consistent issue I have been experiencing across all of my Citibank account dealings with Personal Banker, XXXX XXXX. I was explained and promised a new account bonus ( es ) if I fulfilled certain obligations. Other banking institutions have screwed me out of new account bonuses in the past, I explained this to Mr. XXXX, so I was sure to obtain all the pertinent details and confirmed ( multiple times ) the correct criteria in order to receive the new account bonus ( es ).
I started discussions with Personal Banker, XXXX XXXX in the latter part of XXXX. On Thursday, XXXX, XXXX, XXXX at XXXX, XXXX XXXX wrote to me, " Dear XXXX , Citi XXXX Checking Promotions : Current Cash Bonuses : Min Qualifying Balance : $ XXXX.- $ XXXX.- $ XXXX.- $ XXXX.- $ XXXX.- $ XXXX.- $ XXXX.- $ XXXX.- $ XXXX.- $ XXXX.- $ XXXX.- $ XXXX.- Please remember all minimum qualifying balances must be maintained for at least 60 calendar days. Citi has up to 90 days thereafter to credit the cash bonus. Customers who have been an owner of a Citibank business checking account within the last 180 calendar days are not eligible for this offer. Sincerely, XXXX XXXX Personal Banker Citibank XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX T ( XXXX ) XXXX F ( XXXX ) XXXX XXXX NMLS # XXXX '' On Tuesday, XX/XX/XXXX I established a new personal account with Personal Banker, XXXX XXXX, and I was provided a flyer/advertisement called, A cash bonus to help finish your wish list this year, with the new account bonus terms. These terms specified the Balance Requirement as, First, any owner of either eligible account must make the Minimum Deposit amount or more in New-to-Citibank Funds into the new Eligible Checking Account and/or the new Eligible Savings Account WITHIN 30 calendar days of checking account opening. AND, Maintain the Funds : You must maintain the minimum required balance between the checking and/or savings accounts for 60 consecutive calendar days.
XXXX, again explained the bonus terms to me on Tuesday, XX/XX/XXXX at XXXX : " Dear XXXX XXXX note that your account application has been submitted and I will reach out to you if anything else is needed. Just to clarify the $ XXXX cash bonus for the business account requires $ XXXX in minimum funding for 60 calendar days.XXXX XXXX Personal Banker Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX T ( XXXX ) XXXX F ( XXXX ) XXXX XXXX NMLS # XXXX '' There was ABSOLUTELY NO TALK OR DISCUSSION about needing to deposit or keep the funds in the account AFTER a 30 day period of time. The terms as they were advertised to me ( by both flyer and written correspondence ) were that the deposit of $ XXXX would be made and the 60 day window would IMMEDIATELY begin. Also, all the Tellers at the bank ALSO confirmed that the 60 day window began upon the DEPOSIT DATE, NOT thirty days AFTER account opening. Again, I confirmed this was the case with ALL accounts ( personal and Business ).
My personal account is another example of how Personal Banker, XXXX XXXX FAILED to follow through and fulfill the new account bonus terms of depositing {$400.00} into my account. My {$400.00} new account bonus was rightfully due on XX/XX/XXXX. It took me hours of my time to obtain said bonus. It wasnt until I asked the Executive Office where I should file a Class Action Lawsuit that Citibank moved into action and actually DID deposit my rightly deserved bonus TWO WEEKS AFTER the due date on Monday, XX/XX/XXXX.
On XX/XX/XXXX, I stopped into the XXXX XXXX, XXXX Citibank Branch and spoke with the Manager, XXXX XXXX. Ms. XXXX explained to me that it took one of their depositors THREE internal cases with their back office in order to receive their RIGHTFULLY DESERVED new account bonus.
On XX/XX/XXXX at XXXX, XXXX XXXX XXXX with the Executive Office called me from XXXX and explained to me that my personal bonus was going to be an awarded case, because something was supposed to happen, but it did not and that the Promotion Code for the bonus was not applied in branch by the Personal Banker, XXXX XXXX ( he did not follow through and complete his job ).
It wasnt until XX/XX/XXXX that I was informed by the back office that I was informed that I needed to maintain the required balance in the account for 60 days following the initial 30-day period after the account being opened, not from the date of deposit, but, I did, maintain the balances for 60 days after deposit, which in my understanding of the terms that were explained to me by Personal Banker, XXXX XXXX, WAS correct to receive the {$500.00} bonus.
I could easily understand if Personal Banker, XXXX XXXX got the personal and business new account bonuses confused and FAILED TO DISCLOSE to me or provide me any documents pertaining to the new account bonus terms. Yet, XXXX XXXX denies what I am saying and is saying something entirely different than what he explained to me in his above correspondences. If this is/was the case, then Mr. XXXX should fess up to his wrongdoings and/or go through additional training, and/or be fired ( but then this would also fall on the shoulders of the tellers who also reassured me that the 60 day period began on the deposit date and NOT the 30th day after account opening ).
This is a VERY deceitful marketing ploy to obtain businesses deposits, and not honoring your word by following through on providing the new account bonuses. I can only imagine how many other new account bonuses Citibank has failed to deposit into their depositors accounts due to the wrongdoings of their staff. I know for a fact that they lie to their new clients and use their clients money for their own financial gain ( even if it is done accidently ).
For XXXX XXXX account number ending in XXXX a {$500.00} bonus was supposed to be deposited by XX/XX/XXXX. The terms ( as I was advertised and confirmed multiple times ) of this bonus were as follows : a $ XXXX deposit is to be deposited within 30 days of account opening, the amount is to remain in the account for 60 days, once this term has been completed, Citi has 90 days after to deposit the {$500.00} bonus.
$ XXXX check deposited on XX/XX/XXXX 60 Day Bonus Criteria met by XX/XX/XXXX {$500.00} Bonus Due Date XX/XX/XXXX It is NOT my intention or goal to open accounts and NOT fulfill my side of the terms. If I would have known that the 60 day window started 30 days after account opening, then I would have followed these instructions. It was ALWAYS my full intent to complete ALL promotional requirements to receive the new account bonuses. I am not a happy client. It has NEVER been easy with Citibank and I do not understand why Citibank continues to fight me on the above said issues.
What Citibank is doing is FRAUD and DECEITFUL and your clients should not have to take the brunt of your employees mistakes.
|
| 10/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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1026.13 or the Fair Credit Billing Act ( FCBA ) was adopted in 1974 to protect consumers from unfair or prejudicial billing practices. This federal law allows credit cardholders a method to dispute incorrect credit card billings. If one follows the correct procedure, the cardholder can dispute the charges and temporarily withhold payments on the disputed amount without affecting ones credit score. Per FCBA, I initiated and notified Citi of multiple billing errors in XXXX.
The FCBA also states Citi must acknowledge my complaints, in writing, within 30 days after receiving it. The dispute must be resolved within two billing cycles. If a billing error occurred as notified, Citi is required to explain in writing the corrections that will be made. In addition to crediting my account, Citi must remove all finance charges, late fees, or other charges related to the error. If Citis investigation determines the bill is correct, I must be told promptly notified how much I owe, why, and provide the relevant investigation documents. Unfortunately, Citi has failed to investigate or notify me as required by FCBA regulations. I am currently signed up for paperless documents through Citi online, where all my statements, notices, and documents are sent. I have made multiple calls to Citi, notifying them I am not receiving any documents as required.
Citi has failed to investigate or provide any permanent credits, results of the billing disputes, notices, or investigation materials despite my repeated requests. Citi has also rebilled me for multiple disputed transactions still under investigation, without providing any of the required notices, according to the Citi online dispute center. By violating provisions of the FCBA, Citi may not collect the amount in dispute or any charges related to it.
The majority of transactions I have disputed in XXXX were on my Citi DiamondPrefered MasterCard ending in XXXX. The MasterCard Dual Message System Chargebacks Cardholder Dispute Guidelines published XX/XX/XXXX outline the process and procedures for filing and processing a consumer chargeback. According to the guidelines when the cardholder contacts the issuer claiming Goods or Services Were Either Not as Described or Defective the following must be true : The cardholder engaged in the transaction The merchant refused to adjust the price, repair or replace the goods or other things of value, or issue a credit For disputes involving goods : The cardholder returned the goods or informed the merchant the goods were available for pickup One of the following conditions must also be true : When delivered from the merchant, the goods arrived broken or could not be used for the intended purpose.
Goods and services did not conform to their description. Examples include, but are not limited to : o The cardholder claims that the quality or workmanship of the product is not as described.
o The cardholder claims that the specified color, size, or quantity is not as described.
The merchant did not honor the terms and conditions of the contract with the cardholder including, but not limited to, 100 percent money back guarantee, written promises, or return policy.
The allowed timeframe for this type of dispute is one of the following : 120 calendar days from when the services ceased with a maximum of 540 calendar days from the transaction settlement date for issues of interruption of ongoing services Between 15 and 120 calendar days from the transaction settlement date Between 15 and 120 calendar days from the delivery/cancellation date of the goods or services.
I have spent over 100 hours on the phone with the Citi dispute resolution department and fully notified them of their failure to follow these guidelines or FCBA regulations. I have had little luck, even when speaking with billing dispute managers. I am simply told, they will send a referral for their back office to look at the transaction once again and to check back in a week. This has been the same process going on for the better part of XXXX.
In Summary of Applicable Standards for UDAAPs Unfair Acts or Practices, the Dodd-Frank Act prohibits conduct that constitutes an unfair act or practice. An act or practice is unfair when : It causes or is likely to cause substantial injury to consumers ; The injury is not reasonably avoidable by consumers ; The injury is not outweighed by countervailing benefits to consumers or the competition.
The FCRA, by contrast, defines adverse action more broadly to include section 701 ( d ) ( 6 ) of ECOA. Denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; A denial or cancellation of, an increase in any charge for, or any adverse or unfavorable change in the terms of a government license or benefit ; or in connection with account review that is adverse to the consumers interests.
Statements made routinely by Citi billing disputes representatives consistently directly oppose the statutes and regulations mentioned above. Citi billing dispute agents, routinely outline processes and legal requirements when processing billing disputes in error. Statements are made to point blame at the customer, and illegally remove liability and requirements from Citi. Even after informing these agents of the legal requirements and processes set forth by MasterCard, they maintain their erroneous claims.
Citis failure to comply with violations FCBA, UDAAP, the MasterCard Dispute Guidelines, and the cardmember agreement, amounts to a total of {$4400.00} in improperly investigated and unresolved billing errors in XXXX alone charged to my account.
This letter should represent a clear and formal notification of Citi. To assist and allow you to fully investigate these violations Ive attached the following : Screenshots of my Citi E-Communications, Notices, and Documents proving I have not received the required notifications per FCBA.
A list and accounting of these billing errors showing the credits issued, rebilled, and unprocessed.
Examples of assertions along with supporting documents previously provided to Citi to aid in their investigations.
I appreciate your prompt attention to this matter and expect Citi to comply with its legal obligations and requirements. My account should be immediately credited for the billing errors as Citi has no legal right or basis to collect on the billing errors previously notified due to the violations made. Should Citi refuse to promptly reply Federal statutes and provisions allow for me to file suit to recover for damages suffered, associated costs, interest legal fees, and more. I pray it will not be necessary for me to seek out these alternate solutions.
Regards, XXXX XXXX
|
| 04/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/XXXX, I submitted 2 disputes, relative to a reservation and stay at XXXX XXXX XXXX, XXXX XXXX, XXXX, to my credit card company, Citibank. The original reservation was lost by the vendor and we were given horribly substandard accommodations which were significantly worse than what had been advertised. This was despite being assured multiple times by the hotel that the accommodations would be comparable, once they determined that they had mistakenly reserved us for one year later. We were not allowed to view the accommodations, until the time of check-in, which was at closing time for management. We immediately presented proof to the hotel reception staff that the accommodations we were given were far inferior to what had been advertised at the time of reservation. We were not given an opportunity to discuss this with management, despite multiple efforts and multiple assurances from the reception staff, that we would be given an opportunity and a monetary adjustment would be made. At checkout, the hotel would not give us an invoice to see the charges, and again denied us the opportunity to speak with management. They made multiple assurances throughout out stay that management would contact us immediately to discuss this.
At the time of submission of a request for chargeback to Citibank, according to their instructions, and in good faith, I provided a detailed letter of what had occurred and my failed attempts to speak with the management. I provided a prodigious amount of photo documentation and descriptions, including square footage, showing what had been advertised and reserved through XXXX, and what was actually provided.
The dispute was divided into 2 separate charges, since I initially paid XXXX XXXX a portion of the total at the time of reservation in XX/XX/XXXX. The second charge was made to my Citibank Credit Card, without any further authorization, at the time of checkout, XX/XX/XXXX. The hotel refused to give me an invoice or allow me to speak with management at the time of checkout. As I was instructed, I submitted both disputes via email to dispute department at Citibank, XXXX
On XX/XX/XXXX, Citibank sent an electronic message and posted a reply for the second charge. It was dated 3 days after the message itself was dated. Two messages were posted for the same chargeback. The second dispute was missing. I contacted the dispute department and was told that I should immediately sign and send back the response form, in order to have the dispute continued further. I pointed out that only one dispute number was posted, and they assured me that they were not aware of this and would post the second dispute within 48 hours. I received the second response over a week later. In responses, the vendor simply provided a signed key receipt as proof that I had agreed to pay for the rooms provided. I had not agreed to anything except that I would be given a comparable suite and on that basis, I signed for the key. I was given the key receipt prior to being able to see the substandard room. No monetary amount was noted or agreed to on the Hotel 's documentation. No signed invoice was provided, because I was never given one. In the hotels response, they alleged that I had discussed this with them when I had not.
When I called Citibank, I was told that I should send any additional information that would prove that the accommodations provided were not the ones for which I had agreed to pay. I explained that I had already submitted these, but would be happy to resubmit them. They responded that I did not need to resubmit the information I had already submitted. I was told that the charges would continue to be reversed until further information and the signed responses were received and a resolution was done. On XX/XX/XXXX, on Citibanks secured server, I submitted signed response letters for each of the disputes with detailed letters rebutting the vendors allegations. In the letter, I referred to the previously submitted documentation and offered to re-send it if necessary. It appeared that none of my copious documentation had been reviewed by Citibank Disputes Department and that Citibank was willing to believe the extremely scant documentation provided by the hotel.
On XXXX, when preparing to pay my bill, I noted that the charges still appeared on my statement. I had received only emails stating that they had received my additional information and would be contacting me soon. I made multiple calls to Citibank over several hours and was disconnected after a recorded statement that was made that all agents were busy. I checked the website messages and no further messages appeared regarding the status of either of these disputes. I finally got through, explained the situation to the agent, and she said that someone from disputes would contact me within 48 hours on my cellphone to update me further.
On XX/XX/XXXX, I received an email alert that a letter was available in messages on the website. I found two letters, once again referring to the same dispute, but not referring to the other dispute. It stated that since I had not provided any information proving that the services rendered were not the ones delivered, that the dispute was considered resolved and the chargeback was reversed. I have spent hours trying to re-contact Citibank to get some explanation of this decision and to find out if they had indeed reviewed all of the documentation I submitted. I have been repeatedly disconnected.
If the credit card company resolves a dispute, I should be able to understand the basis on which they did so. I should able to confirm that they received and have thoroughly reviewed the documentation that I submitted. I understand that the CoVid19 crisis makes it difficult to contact the company, however this should not be an excuse for their making a decision, clearly without having reviewed my evidence or not clearly explaining their reasons for making the decision despite copious evidence on my part and invalid evidence on the part of the vendor.
Please note that the attachments I have provided, are identical for both disputes, numbers : XXXX and XXXX. Therefore, rather than duplicate, I will send only one set. The first XXXX photos depict the original listing 900 square foot 1 bedroom villa, which was the basis for my making the reservation and deposit. Photos 1-12 show the room which was given to us, which was less than 1/2 the size of what we contracted for ; very dark, unventilated due to the lack of privacy and need to keep the bedroom windows closed, and very loud due to the location next to a common walkway and with the front door across from the bed, at the top of a common stairway. I was unable to send the movie files illustrating the enormous amount of noise and lack of privacy, but I have uploaded these 2 files here.
|
| 11/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citibank Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the following transacations listed below as they were un-authorized XXXX transfers done under they by deception and identity theft.
This letter is regarding the following transactions : Date : XX/XX/2022 Amount : {$2400.00} Account Ending : XXXX Date : XX/XX/2022 Amount : {$1600.00} Account Ending : unknown Date : XX/XX/2022 Amount : {$4900.00} Account Ending : XXXX These are the claims I have made with Citi bank that were denied due to : insufficient information to claim that they were unauthorized : XXXX claim numbers : XXXX XXXX XXXX XXXX claim numbers : XXXX XXXX XXXX Along with filing dispute claims with Citibank, I have also made the following legal/ police reports : Police Report Date : XX/XX/2022 Police Report Number : XXXX Location : XXXX, Pennsylvania Federal Trade Commission on XX/XX/2022. That claim number is : XXXX.
FBI report on XX/XX/2022 Explanation of items being disputed : On XX/XX/2022 I received a call from a fraudster claiming to be a Citibank agent. He explained that he belonged to Citibanks fraud department. He told me to check my account because there was a fraudulent transaction made on XX/XX/2022. He asked me to confirm my identity in the same way that Citi has done in the past. I received a text message from XXXX stating that a purchase of {$240.00} was made at XXXX, a transaction I did not do. My intention was to sort it out in person. However, there is no Citibank branch in XXXX. The fraudster called me back and I told him to wait. I XXXX the phone number he was calling me from XXXX to make sure it was a Citibank number. The XXXX search confirmed Citibank as a source and was even linked to a Citibank website. The fraudster, impostering as a Citibank employee, told me that someone had tried to make XXXX XXXX transactions through my account and that the person making the claims had gotten access to my online banking. He told me to respond No to the text message that he had sent me. He then told me to confirm my identity by telling me the code that was sent to my phone ( which by the way, is the same procedure followed by the bank ). The fraudster had all my information including current and previous addresses, which completely deceived me. The fraudster had changed my online banking password and gave it to me to log back into the app. He informed me that for security purposes, they would cancel my checking account and open a new checking account. In order to re-issue the money he would send me through text message the secure emails to reissue the money. The email was XXXX and XXXX. I originally had only one checking account open XXXX with barely any money and a savings account that had XXXX. He convinced me that XXXX overdrafts and could be taken from my savings. He said that he had to transfer money into the three checking accounts from my savings accounts. I did not open these two checking accounts on XX/XX/2022 and I did not transfer the funds from my savings account to these two checking accounts. ( Please note : only know that one of the two checking accounts opened illegally ends in XXXX or I would have added the numbers here ). Through changing my password, the fraudster moved money from my savings account, opened two checking accounts, and attempted to take out a loan. When the fraudster gave me access to my accounts, I was induced into sending the money to these emails via XXXX. I believed that XXXX was a Citibank transfer service as it exists within my Citibank Mobile app. When the XXXX transactions were done, he told me in XXXX hours my account would be back to normal and all the funds would look as I had intended, having my {$9500.00} in my savings and my {$300.00} in my checking account and that a debit card would arrive in 1 business day. At that point he hung up. I looked at the phone to a number of emails of XXXX transactions to someone named XXXX XXXX, someone I do not know, I see an email from citibank stating that a premium checking account was opened, and I see that a loan # XXXX was also opened under my name. I called Citibank immediately and found out they had not called me. I filed a dispute for all transactions, including, the XXXX XXXX charge that was made on XX/XX/2022, the XXXX checking accounts under my name that I did not authorize, and the loan that was taken out under my name.
Case Overview : 1 fraudulent charge on my debit card XXXX checking accounts open under my name without authorization from fraudster Moving of my money without consent from my savings account to the checking accounts the fraudsters had opened XXXX unauthorized transactions using XXXX initiated by fraudster.
XXXX loan opened under my name by the fraudster.
Regulation E : Electronic Transfer Funds 12 cfr 205 : While the claims I made on XX/XX/2022 and XX/XX/2022 were denied. My goal after this letter and my police report that my claim is approved and my funds are reimbursed by Citibank. Under Regulation E : Electronic Transfer Funds 12 cfr 205 that states : A consumer who is fraudulently induced into providing account information has not furnished an access device under Regulation E. As explained above in Electronic Fund Transfers Error Resolution : Unauthorized EFTs 3, 4, and 5, EFTs initiated using account access information obtained through fraud or robbery fall within the Regulation E definition of unauthorized EFT. See Comment 1005.2 ( m ) -3 Please review with the Consumer Financial Bureou the rights I have as a consumer of Citibanks services. More inforamtion on Regulation E can be found here : https : //files.consumerfinance.gov/f/documents/cfbp_electronic-fund-transfers-faqs.pdf Questions and concerns : I was recently notified that Citibank has investigated the loan application that was made by the fraudsters was deemed taken without my permission. If the loan that was taken under my name from the fraudsters are the same people who initiated a transfer using XXXX how come my claims x, z, and z was deemed non fraudulent?
On XX/XX/2022 I was contacted by XXXX ( XXXX ) XXXX, as people calling from Citibank Fraud Protection. I no longer pick up phone numbers I do not know. By the second phone call they left me a voicemail. I blocked the number.
It hurts to realize that the hard money Ive earned and saved to be used to pay my studies was swindled out of me from people impersonating Citibank employees as well as using the XXXX XXXX through the Citibank portal. I trusted that Citibank would protect me and insure me in cases against fraudulent transactions, theft by deception, and account access theft.
Thank you for your assistance, XXXX XXXX XXXX
|
| 06/09/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I am dealing with and issue with a Best Buy card which is Citi Bank.
How can a store utilize credit card bank they can't see the reason charges are on my credit card what or why I am being randomly charged different amounts.
XX/XX/2022 I got letter from Citi Bank via XXXX XXXX Mail.
In XXXX when I discovered there was charges on my Best Buy Card I contacted Citi Bank very hard to understand customer service who seem to more interested in sending you to wrong person or even hang up, I always make sure they have call back number in case I am hung up only to be passed around to wrong people, wrong department only to be move to some other department.
On XX/XX/2022 I contacted Citi Bank which demanded full payment. I full filled there demand also I ask for my demand to be meet. Close this account so I paid it in full. XX/XX/2022 account closed. In XXXX it appears Citi Bank may have enrolled me in some credit protection plan there was no balance on my card prior to XXXX did not want or need or know I was enrolled in. This is another department you have to contact a totally different number to have this removed I was not aware that I needed to have this removed or did I know I had to contact a different department with Citi Bank I discover this on XX/XX/2022 just today after speak to I believe it was Citi Bank. You would think I am not the first person to ask for account to be closed and Citi Bank should be responsible to remove any charge that could occur from Citi Bank at time of closing account.
The following charges have been charge on this account : XX/XX/2022 XXXX cents XX/XX/2022 {$2.00} cents XX/XX/2022 XXXX cents XX/XX/2022 XXXX cents Total {$3.00} cent XX/XX/2022 Best Buy gave a {$1.00} credit back to me no reason or what this charge was for. seen a person who I understoof to b However total charges {$4.00} cents Account paid in full XXXX XXXX Account closed XX/XX/2022 charges are still be placed on account each month. I was charged for an annual fee off {$190.00} there was tax which made balance of {$210.00} paid in full requested account to be closed it was and more charges each month.
Note the charges from XXXX and XXXX were placed on card before full payment and as my request for account to be closed.
XXXX XXXX is a bit deceptive due to a time frame that XXXX vary from product to product a laptop just XXXX XXXX old XXXX XXXX is unable to get part for repair they simply say it is to old. However you purchase protection through Best Buy but they cant full fill there part by getting parts. My original XXXX laptop the fans were going bad this laptop was just a few years old.
In XXXX after payoff I went to XXXX store seen a customer service rep at XXXX XXXX counter who assisted me in contacted Citi Bank in which I was told of credit protection and this must be where Citi Bank got detail about contacting me in future. If I close an account with a credit card I should not have to fight them to stop placing charges on card if card is paid in full and nothing is being charged how and why would Citi Bank be creating new charges each month the amount varies so much each month as you can see from above.
Citi Bank and Best Buy the practice between these XXXX company is way different than any other card I delt with, meaning even if I close account at Citi Bank, Best buy can charge subscription ( total tech to card ) on Citi Bank card even if account is closed. This is wrong and very bad practice closed account charged from Best Buy can occur if the auto renewal button is activated. I was not aware of this until this evening. Imagine a closed credit card account and a store want to charge on closed account sound incorrect. This is a fact auto renewal is a button describe by Best Buy if it is on Best Buy can charge on Citi Bank card and the person who closed the account cant do anything but fight this pathetic Credit card company and, Best Buy can't even see these charge to know why or how they are being applied to card.
I did get assistance from customer service at XXXX, Washington The first person I spoke to was an associate XXXX XXXX who contacted Citi Bank and spoke with agent and Tonight XX/XX/XXXX I went to store I ask for manager at the sliding door this manager managed to simply print off a slip of paper to see credit limit and owed amount. this shows XXXX credit and {$4.00} owed. This is a hidden fee when there is any amount on credit this is nothing I opted for wanted, or was told I need to have removed. I don't wish to ever have any future dealing with these XXXX company or there credit card. I do feel these XXXX company have loop hole to create charge to threaten card holder and demand payment I owe neither XXXX of these company anything if you close account it should be part of closing account to have credit card protection removed at that time of closing. If Citi Bank Failed punished that person not payee ( Myself ).
As talented as XXXX XXXX is I am sure they could easily design a place for expiration for service and not need an auto renewal button no one want to admit who has control over it I believe XXXX of the call tonight I discovered it is Best Buy if this auto is not on Best Buy will end you total tech support. Here is my problem Citi Bank demands payment collect money draws interest I ask for removal of service and they do this to many XXXX of people are XXXX and they collect the interest from these fund, I am sure best Buy get something for kick back also be it interest reduction or more money for new loans. After paying full year subscription to XXXX XXXX for laptop tune up. Now I continue to get monthly charges and fees on a closed account. Again I am consumer on account fully paid off should have control over this account not Citi Bank or Best Buy these company scamming people out of funds daily, weekly, monthly, yearly. All which draw interest placed in bank in this case my money and now more fee on a closed account I should be able to control what card I carry not Citi Bank and Not Best Buy me the consumer. I have so much time invested in this pathetic problem Citi Bank card and Best Buy has created this XXXX entities should be audited on card and services both companies deceptive wording I sure it probably fit the modern day wording needed to get through court. I DONT WANT CITI BANK CARD AND I JUST WANT TO COMPLETE MY ANNUAL SUBSCRIBTION WITH BEST BUY XXXX AND XXXX XXXX paid in full. Citi Bank or Best Buy which ever company is charging me on this card should be financially responsible and any damage to credit history, further threat of collection or sending me to collection. I should be just due compensated for all wrongful charges, time I spend trying to fix there problem, and time I have to use to complete any further issue with payment, wrongful debt be applied to my card.
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| 04/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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This is what I am sending to CitiBank because their representatives/agents only continue to mess this up more each time. " No I did not initiate a Level 1 through your phone number because I refuse to speak to the inept uncaring and uninformed representatives/agents that man those calls.
That is an oxymoron as there is no customer service. When I applied for this card, I requested a balance transfer Not Done! Then I called in and was informed I had to wait 14 days as it was a new account never mind that I have another open account with you for several years.
They then initiated a 2nd transfer which also did not go through. On my third call I again asked what the situation was and again they initiated a balance transfer. I then advised I did not need 3 balance transfers only the first one I initiated. I never would have opened another credit card if I had realized this was such a difficult task for your bank or your staff.
On a call on XX/XX/2021 In my frustration I cancelled all balance transfers and requested to close the account whereupon I was routed to XXXX in Customer Resolution who so kindly offered to resolve this and set up a new balance transfer that he assured me would be completed. Again NOT!.
No one ever waited for me to provide the address information to make the payment to XXXX as a matter of fact when I initiated the most recent balance transfer online your bank could not locate XXXX under the credit card number. What is up with that? I manually entered everything including the P.O. Box for Mailing payments and was forced to enter the P.O. Box into the Street Address as your form would not permit me to move forward on the request until I provided information. I do not know or have access to a physical address for XXXX and it would not be prudent to mail a check to a random address.
Which brings me to wonder what kind of operation you are running there. I have worked for XXXX and for XXXX XXXX for the better part of 15 years and even on their worse days their customer service was never as horrid as attempting to complete something so simple and routine. Who mails checks for balance payoffs these days? I have accomplished this previously through other credit cards and the funds were sent electronically immediately. I just hope the lack of customer service, the lack of concern for a customer, the lack of any expertise on regular bank processes or appreciation for a customer in this initial attempt to accomplish something quite easy to normally accomplish is not indicative of what the future of this account is to bring. I also hope the balance transfer I just completed actually happens ; as I have attempted to accomplish this transaction for the better part of 3 or more weeks and my now 4th attempt.
I would appreciate someone in some capacity to reach out to me to discuss the abhorrent customer service and lip service I have received from the onset. I never ever would have opened another card with what appeared to be a great offer if I had known your company has such issues accomplishing what is normal bank processes. There needs to be an investigation and audit of what your agents/representatives know and can actually accomplish. No customer needs or expects to be jerked around in this manner for a routine request.
I can not bring myself to call in again to get lied to and not receive any resolution therefore I initiated the most recent request via online. I was told last Wednesday that 4 business days to accomplish the most recent request through XXXX in Customer Resolution was required however as of today again NOT DONE!!!! I should not have to have such anger, frustration or the run around for something your company offered me. This was an invitation a request from your company!!!!!
I have attached my most request correspondence from your organization. I only want 1 balance transfer and as you can see this is a complete and utter failure. If you would be so kind as to research and advise if the XXXX submitted today actually is completed I would greatly appreciate it.
I just reviewed my XXXX account to see that the balance transfer went in last night however Citibank will be pulling it back as there is a pending debit for today. What is it your company does not understand about this process?
This is intended for CFPB - On Monday XX/XX/2021 I attempted to determine why the request was duplicated and was informed that the transaction shad in fact been reversed because I did not answer the calls made on XX/XX/2021 to confirm the request. I lodged a complaint about this absolute horrible experience however was not provided a complaint number nor have I received an email confirming my complaint. Those transactions were in fact reversed and my bank XXXX has charged me {$25.00} for a returned check fee something that is and has been completely out of my ability to resolve.
When I called in on Monday supposedly the representative initiated another balance transfer that is to go into effect in 7 to 10 days ( I presume business days ) I do not want to continue. Cancel that transfer. I am forwarding all paperwork I have generated for this mess. I NEVER would have applied for another credit card however the balance transfer seemed too good to be true so very apt because your organization is incapable of performing standard typical bank processes.
I am also reporting this nightmare to the CFPB as your company should not be allowed to send offers that they can not back up or complete. This email has gone to XXXX and XXXX because in your complete and utter failure as a lending institution you do not provide any professional or consumer friendly complaint method indicative of the horrible company that you are.
I want this credit card closed and I want confirmation of my complaint and the closure of the account at my request.
I have made at minimum 7 calls about this this issue. I lodged a complaint and have heard nothing nor have I received a complaint number or indication of assistance. I applied online was approved and processed the balance transfer at that time. It was not done ... When I called in I was informed I needed to wait 14 days. This was not conveyed to me at the time I was responding to an offer sent to me. When I attempted to close the account on XX/XX/XXXX I was convinced it would be done. When it was not done I again processed via my account online after following security protocols to process. Then was told they attempted to call me to confirm and because I did not respond they cancelled the request. There were no calls to my cell phone according to the call log. This company is the absolute worst and I am still receiving offers in the mail that they can not under any circumstances accomplish. This is false advertising in addition to horrible bank practices.
|
| 05/03/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX, I received a billing statement form Citibank stating that there was a balance of {$5000.00}. According to them, this was the result of a balance transfer into a XXXX XXXX XXXX account. I immediately went to a Citibank branch in my area and notified them that this account was not mine and somebody had opened it without my authorization, in other words, somebody had stolen my identity. The customer service representative at the Citibank branch looked into her system and told me that yes, somebody had opened a credit card line of credit under my name and address. At my insistence, they contacted the fraud/security department at Citibank to file a complaint. In a letter dated XX/XX/XXXX, Citibank stated that I had received benefits from a balance transfer to a valid account in my name at XXXX XXXX XXXX. On XX/XX/XXXX, I downloaded a copy of my credit report from XXXX Credit Bureau. I noticed there were some errors with my personal information as well as 3 fraudulent bank accounts opened under my name ( Citibank, XXXX XXXX XXXX and XXXX XXXX XXXX ). On the same date, XX/XX/XXXX, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), reference # : XXXX. On XX/XX/XXXX, I contacted all 3 credit bureaus alerting them of the fraudulent accounts that appeared under my name. I requested that a fraud alert be placed on my credit reports as well as a credit freeze. On XX/XX/XXXX, I called the 3 banks where the fraudulent accounts had been opened. The representative from Citibank, stated once again that they would investigate my claim. The other 2 banks, XXXX XXXX XXXX and XXXX XXXX XXXX stated the same. On XX/XX/XXXX, I received a letter from Citibank ( dated XXXX XXXX ), that the account in question had been closed. They stated that in order to further investigate the fraudulent account, I would need to complete and sign a Statement of Fraudulent Application, which I did and returned to them on XX/XX/XXXX, via certified mail/return receipt. On XX/XX/XXXX, I filed an Identity Theft Report with the XXXX XXXX XXXX Police Department, 70th Precinct in XXXX, N.Y. ( Police Report Number : XXXX ; case # : XXXX. The investigator assigned to this case, Detective XXXX, of the same Precinct. On that same date, XX/XX/XXXX, I submitted letters to the 3 credit bureaus as well as the banks where the accounts were opened fraudulently. I submitted supporting documentation ( the FTC Identity theft report as well as the complaint filed with the XXXX Police Department. On XX/XX/XXXX, I received letters from all 3 credit bureaus regarding my complaint for identity theft as well as the disputes I filed because of incorrect personal information on my credit reports as well as the fraudulent activities. The results were as follows : A ) XXXX Credit Bureau- a name that was not mine nor associated with me was deleted. They also deleted the incorrect apartment number which appeared in the report and added the correct one. XXXX also deleted the Citibank/Citicards as well as the XXXX XXXX XXXX fraudulent credit card accounts from my credit file.
B ) XXXX Credit Bureau- They updated my personal information. They also deleted the Citibank/Citicards fraudulent account from my file as well as the XXXX account. They however, kept the XXXX XXXX XXXX fraudulent account, claiming it was verified as accurate.
C ) XXXX Credit Bureau- They also had the incorrect apartment number in the report. ( I wrote them a second letter and asked them to update their records with the correct information. They stated that the Citibank/Citicard fraudulent account was verified as belonging to me. They however, deleted the XXXX XXXX XXXX and XXXX fraudulent accounts from my credit file.
On XX/XX/XXXX, XXXX I received a letter from XXXX XXXX XXXX . The letter states that after conducting their investigation, they found that : " we were unable to find eveidence that the tradeline displays on the bureau '' ; therefore, they do not hold me responsible for this account.
On XX/XX/XXXX, XXXX I spoke with a representative from XXXX XXXX XXXX XXXX She stated that they had received my letter along with supporting documentation on XX/XX/XXXX. She stated that the account had been closed, however, there was an open investigation into the account.
On XX/XX/XXXX, XXXX I once again called the Fraud/Security Department at Citibank . I asked them why I continue to receive billing statements from them if this account had been closed because of fraudulent activity as per the letter from Citibank dated XX/XX/XXXX. They were dismissive and kept switching me from one customer service representative to the next. One of the customer service representative finally stated, they would investigate and would send me another copy of the Statement of Fraudulent Application. When I inquired as to why I had to submit another form if I had done so previously, she simply stated to complete it and send it back to them ( which I did ).
On XX/XX/XXXX, XXXX Since I continued to receive billing statements from Citibank , I submitted a second letter, via certified mail/return receipt to Citibank , with supporting documentation about the fraudulent account.
On XX/XX/XXXX, XXXX I received a letter from Citibank ( dated XX/XX/XXXX ), stating that they had completed their investigation and found that I was responsible for the account in question based on the following : " you received benefit from balance transfers to your XXXX XXXX XXXX account ''. They further state that they request the discontinuance of any further phone calls or written correspondence with them.
On XX/XX/XXXX, XXXX I received a letter from XXXX XXXX XXXX XXXX The letter states that after conducting a review of my claim, they state : " We wont hold you responsible for any transactions, interest charges or fees associated with this account.
In summary, Citibank, has declined to accept that the account opened in their bank under my name was a product of fraud because according to them I received benefits from a transaction into a XXXX XXXX XXXX account. They have failed to understand that the XXXX XXXX XXXX account was also opened fraudulently as the bank, XXXX XXXX XXXX, acknowledges on their letter sent to me on XX/XX/XXXX.
It is now XXXX and I see no resolution to this problem. Citibank does not want to hear any more of my claims and further, does not want me to call or write to them.
I respectfully ask Citibank to close this account which now has a balance as of the XXXX Statement of {$7900.00}. I also request Citibank to cancel this account as it was opened fraudulently using my personal information.
I hereby, seek the assistance of the Consumer Financial Bureau, to assist me in contacting Citibank and explaining to them what I have aforementioned.
Thank you so much!
|
| 10/21/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is a general timeline of the events that took place between : XXXX XXXX XXXX : and XXXX XXXX XXXX XXXX XXXX XXXX.
1 ) On XX/XX/XXXX, a letter addressed to XXXX XXXX XXXX was sent to XXXX XXXX XXXX XXXX, XXXX CA XXXX stating the entity aforementioned had defaulted on a Citibank Visa account ending in XXXX for the total sum of {$21000.00}, with the Esquire XXXX XXXX wet-ink signature on it.
2 ) On XX/XX/XXXX I sent a Debt Validation extensive letter addressed to XXXX XXXX. There was no response from her nor any other Esquire at XXXX XXXX XXXX.
3 ) On XX/XX/XXXX, XXXX XXXX sent me a package with a cover letter, stating that enclosed find the following account documents : 1. Account Statements. Her response to my specific and detailed debt validation request was incomplete, therefore : 4 ) on XX/XX/XXXX, I sent a Notice of Fault addressed to XXXX XXXX, stating that she, or anyone at XXXX XXXX XXXX XXXX XXXX, had been able to validate the alleged debt, therefore they have harmed and injured the person XXXX XXXX XXXX, with fees for the harms and injuries.
5 ) On XX/XX/XXXX, I received a letter from XXXX XXXX stating that XXXX XXXX XXXX and CITIBANK N.A. are in full compliance with both federal and state law and that a debtor is not authorized to request any particular documents as verification or validation of the debt. XXXX XXXX might have forgotten about 15 U.S. Code 1692g ( a ) ( 4 ) and ( 5 ). Validation of debts, which can be found on the FDCPA regulations that all Attorneys/Esquires acting as debt collectors have been operating under since 1982.
6 ) On XX/XX/XXXX, I sent a Notice of Default to XXXX XXXX stating that she, or anyone at XXXX XXXX XXXX XXXX XXXX, had been able to validate the alleged debt, therefore they have harmed and injured the person XXXX XXXX XXXX, with fees for the harms and injuries. I did not receive a response to this particular Notice from XXXX XXXX nor any Esquire at XXXX XXXX XXXX.
7 ) On XX/XX/XXXX I sent a Notice of Cease and Desist addressed to XXXX XXXX, reiterating the fact that this alleged debt had not been verified.
8 ) On XX/XX/XXXX XXXX XXXX sent me a letter stating : Dear XXXX XXXX, Your recent inquiry has been forwarded to me for response. Please be advised that this account has been closed in our office on XX/XX/XXXX. If you have any further questions, please contact Citibank at XXXX ( XXXX ) XXXX. To me it was clear that XXXX XXXX XXXX XXXX XXXX and XXXX XXXX were not able to validate this alleged debt, and that they had ceased and desist their collection attempts against the entity XXXX XXXX XXXX.
9 ) Eight ( 8 ) months passed and surprisingly, on XX/XX/XXXX I received a letter addressed to XXXX XXXX XXXX at the address aforementioned, stating that our firm intends to file suit against you on behalf of our client CITIBANK, N.A., issuer of your Citi Visa account. Signed by XXXX XXXX with wet-ink, Esquire at XXXX XXXX XXXX.
10 ) On XX/XX/XXXX I received a letter from XXXX XXXX, an Esquire at XXXX XXXX XXXX, with her wet-ink signature, with the alleged debts account statements, terms and conditions and application copy.
11 ) On XX/XX/XXXX I sent a letter to XXXX XXXX with a second notice of Cease and Desist as XXXX XXXX XXXX XXXX XXXX Esquires had not been able to validate the alleged debt as I requested, and conforming to FDCPA rules. The letter included a complete request to validate the alleged debt and a copy of XXXX XXXX letter stating this debt collection account had been closed on XXXX XXXX XXXX books. I received no response from Esquire XXXX XXXX via mail.
12 ) On XX/XX/XXXX I received a letter from XXXX XXXX, an Esquire at XXXX XXXX XXXX, with his wet-in signature, stating he was in possession of all of my notices addressed to XXXX XXXX XXXX Esquires, calling my notices/letters gibberish and gobbledygook, and mentioning due process of law. Theres no due process of law when an alleged debt is not validated by the debt collector pursuant to USC 15, 1692 ( g ) ( a ) ( 4 ) and ( 5 ), Uniform Commercial Code 3 Section 308, Uniform Commercial Code UCC 3 Section 305 ( c ) and 18 USC 241 and 242 Crimes and Criminal Procedure.
13 ) On or about XX/XX/XXXX, I sent a third and final Notice of Cease and Desist addressed to XXXX XXXX, carbon copying the Esquires XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, stating, among many other things, that : they have submitted and filed a bogus and fraudulent claim and are liable to XXXX XXXX XXXX XXXX under section 813 2 ( A ) and 813 2 ( B ) ( ii ) of {$500000.00} dollars or 1 % of the net worth of XXXX XXXX XXXX and CITIBANK and XXXX XXXX XXXX by the fines imposed under of FDCPA regulations and under 15 U.S. Code 1692k. Civil liability. See California court case Fausto et al v. Credigy Services Corporation et al Case 5:07-cv-05658-JW as an example of how the law is applied for debt collectors who violate consumers rights. Moreover, pursuant to FDIC Consumer Compliance Examination Manual latest edition, you may choose to ignore this Notice ( as XXXX XXXX said he would ), you may choose to continue to debate this unverified and fraudulent debt collection act, and you may choose to not respond to this Notice, but you are hereby warned that : Mailed notices from the consumer are official when they are received by the debt collector.
This was my final letter/notice to XXXX XXXX an all Esquires involved and not involved in this claim at XXXX XXXX XXXX.
14 ) After almost one ( 1 ) year of harassment by this debt collection Law Firm, I was left with no choice but to report them to the Agents at the IRS, FTC, DOJ, CFPB, the Legislative Office of the State of California, the Secretary of State and State of California BAR Association.
I have all originals that I sent to the Esquires at XXXX XXXX XXXX, and I have all of their originals sent to me.
I am writing this letter in chronological order to let you know the harm, stress, duress, coercion, intimidation and domestic terrorism actions that several Esquires at XXXX XXXX XXXX have caused to me, : XXXX : XXXX :. I request your due diligence to investigate this matter at your earliest convenience and to take appropriate measures to address this matter with XXXX XXXX XXXX XXXX XXXX Esquires. They must, by several laws presented to them on my third and last Notice of Cease and Desist addressed to Mr. XXXX, stop this alleged and unverified debt collection attempt and to have the alleged California Court case XXXX dismissed with prejudice.
I can be reached via mail only at the address listed above. Please indicate the office that is sending a response to me in regards to this complaint, a complete name and agent number, phone, address and email address as well.
Thank you for your attention to this very important matter.
|
| 05/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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To whom it may concern : I would greatly appreciate your assistance, as I feel I have run out of options to resolve this dispute between myself and Citi Bank. I have had an Citi Mastercard since XX/XX/XXXX, and based off this experience, want nothing to do with their banking services. The incident stems from a delinquent period from the fall of XXXX. During this period, I was in a remote part of XXXX, and was hospitalized with XXXX XXXX. While this sickness is very severe by itself, it also caused havoc because of my XXXX XXXX XXXX. Needless to say, I was unable to fulfill many obligations during this period and I attempted to begin getting my affairs in order as of XX/XX/XXXX, when I was fully recovered. This led to agreeing to a settlement with Citi Bank, where I would make three consecutive payments of {$730.00}, beginning in XX/XX/XXXX.
I had major difficulties making payments from the start. First, I wanted to set up an automatic payment option, where the total would be withdrawn from my account each month. This was the preferred option, as Citi Bank had locked my account and prevented online access. Since I was working in a remote part of XXXX, it was extremely hard to manage payments otherwise, via mail or phone. However, I then received an email, citing a failure to pay. Upon speaking to a Citi Bank customer service representative, they informed me the account details were must have been incorrect. After verifying the correct details, they could not process the payment and claimed it was my bank 's fault or a wrong number. I assured them this was my only bank account and I never had any previous issues with automatic payments. From there, I paid immediately using my debit card and was told to follow up with my bank account. I did, and there was attempt made by Citi Bank to withdraw any funds.
For the second payment in XXXX, I again had to call in to check on the matter, as the funds were not taken out. Frustrated, I paid over the phone again using a debit card and asked them to keep this on file for my last payment in XXXX.
I was to submit a third and final payment of {$730.00} on XX/XX/XXXX. I anticipated the payment to be taken from my bank account automatically on XX/XX/XXXX, but was skeptical after the previous encounters. After checking my account and not seeing the withdrawal from Citi Bank, I contacted Citi Bank Customer Service on XX/XX/XXXX to check the status and resolve the matter immediately, as I wanted to be diligent about making the final installment of the agreement.
After repeated attempts to talk to an actual human being, I was transferred to the Internal Recovery Unit on XX/XX/XXXX. This unit is subcontracted in XXXX, and the customer service was extremely disappointing and confusing. I was first informed that I would need to follow up in one week, as my account was in review because the repayment agreement was broken. I could not speak to anyone regarding the autopayment service or most importantly, IMMEDIATELY RESOLVE THE MATTER WITH PAYMENT. After speaking to a floor manager from the IRU where I attempted to explain and hopefully resolve the matter I was placed on hold for over 10 minutes before being disconnected. The following morning XX/XX/XXXX I placed multiple calls to the IRU, again stating the issues of the matter and was told my account was closed/in review and I would need to call back XX/XX/XXXX to check the status. As I am sure you can understand, I was worried about clarity, because of being told two different dates and felt frustrated the payment was not processed. After contacting Citi Bank Customer Service, I was advised to speak with an escalation member of the IRU and was transferred again. However, the representative of the IRU said there was no such member and connected me to another floor manager. After explaining the incident to the floor manager, he gave me the fax number for the IRU Dispute Department to file a dispute claim. I asked for additional details and contact information and the representative said there was no phone number and to simply fax a brief letter to the Dispute Department. He then said to call back on XX/XX/XXXX.
On XX/XX/XXXX, I received a letter from Citi Bank, stating " We have received correspondence and require more information regarding your recent inquiry in order to respond. Please contact us at the number below at your earlier convenience. '' On XX/XX/XXXX, I immediately called the number, expecting to make a payment to resolve the matter. However, I placed the call and was connected to the same Internal Recovery Unit in XXXX, who read from the same script, collecting the same information every time I placed a call. They asked what they could do for me, and I expressed that I received a letter and wanted to provide the necessary information and hopefully resolve the matter. The representative pulled up my account and read the same statement all of the other reps from that department did, claiming that I broke my agreement and my case was in review.
Again, I was extremely confused, as the letter instructed me to call and provide additional information. I asked the representative what information I needed to provide. He wasn't sure, so I asked to speak with a floor manager. The representative said the floor manager would tell me the same thing - i.e. read the same script - but I still demanded I speak with them. The floor manager did read the same script and said my account was in review, and then I again asked who can I talk to about the letter that was sent to me. The floor manager said there was nothing he could do, as the dispute went in the bank 's favor - though the letter clearly requested they need more information. I asked for all of my remaining options and was told I could submit proof to the IRU Fax Number, but he could not clarify what type of proof was needed. After going in more circles, the floor manager asked if I had any proof of automatic payments or the dispute. Exhausted, I had no idea what proof was needed and did not feel confident anything would matter anyways. How could it be so difficult to process a payment?
Now, obviously my concern is 1. Not fulfilling the final payment and closing my Citi Bank account, 2. Severe damage to my credit and Citi Bank selling my debt to a third party collector. In this situation, I feel powerless to a big bank who has made it incredibly difficult to resolve a very simple matter. As someone is battling back after a severe setback - physically and financially - the matter of paying the final {$730.00} is no small deal. I am frantically looking for work while catching up on financial obligations, and can barely keep my head above water. I would sincerely appreciate your help in this matter.
With appreciation, XXXX XXXX
|
| 10/30/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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I am a long-term client of Citibank - since XXXX. For all these years I had a Checking, Saving and IRA accounts, which accumulated a total balance of over {$10000.00} in all the linked accounts, so I was automatically qualified for the package, where my Checking account was automatically fee-free. I never ever called Citibank to make sure my Checking account has this specific status.
I eventually decided to downgrade and have my Checking account to be a Basic one. I made sure I satisfy the requirement of having {$1500.00} in all the linked accounts as per their website info, and then transferred the rest to the other institution.
On XX/XX/XXXX I saw that I had insufficient funds in the account. I went online and saw that as of XX/XX/XXXX - I had {$39.00} balance. Then on XX/XX/XXXX I was charged {$15.00} for non-Citi ATM use and {$25.00} - monthly fee ( both never charged before ) and as a result of it - I had not sufficient funds for one of the automatic XXXX expense charges, which was attempted and thus - Citibank charged {$34.00} for insufficient funds on XX/XX/XXXX.
Again, as I mentioned I never had to call Citibank to elevate the level of my Checking account - so I had assumed that I did not have to call and ask them to do anything to downgrade the account so that it becomes a Basic Checking. I simply assumed it was enough to have a specified balance and the account will be considered a Basic one automatically. So when I called on XX/XX/XXXX and spoke to a representative about the fees - I was told 1 ) I had to call in order to convert the account to the Basic one, 2 ) my IRA account balance is no longer going to be linked to the Checking one. All to my surprise was not mentioned anywhere on their website. Again I saw the info though that the Basic Checking could be linked to the retirement account, but for whatever reason the representative told me no, it can not be linked to my IRA in this package. When I expressed a valid concern that I was not aware of this information - the representative tried to alleviate the situation by promising me that they are going to make sure that the fees, which were caused by me not being informed of the new rules and thus not having enough funds in the account for the monthly and Atm fees - would be reversed. I saw the reversal on XX/XX/XXXX. However, prior to the reversal XXXX still tried to attempt another charge at the same date and I saw another {$34.00} charge of insufficient funds, which appeared on the account on XX/XX/XXXX. This charge was never reversed without any explanation at that time.
While still on the phone with a representative on that same call on XX/XX/XXXX I was also made informed of another option to be able to convert my Checking account to Basic one with no monthly fees, since my {$1500.00} balance in IRA was no longer linked and thus this specific balance requirement could not be fulfilled. But the option was 1 ) to have direct deposit/month, 2 ) process 1 bill pmt/month and 3 ) open a saving account.
I agreed to this option, it seemed easy to implement - and I was helped with the opening of the saving account right there and was assured that there was no need to do anything else. I was told my account was going to be converted to the Basic Checking as of that date. I only had to be sure that I process bill pmt in order not to have monthly fees. I had already had direct deposit requirement fulfilled by that time.
I made sure that I process a bill pmt next cycle - which I did on XX/XX/XXXX.
Again I already had direct deposits into my account running every two weeks, and my new saving account was open as of XX/XX/XXXX.
So the current Issue is - on XX/XX/XXXX XXXX there shows up another fee of {$25.00} - monthly fee.
I call the bank on XX/XX/XXXX about this charge and the one that was never reversed of {$34.00}.
I explain the whole situation to the financial associate XXXX. She seems to be understanding but then tells me that their system does not let her reverse {$25.00} because they are allowed only to do one per year?! This seems to be a nonsense reason! The fee is not supposed to be there and I honestly do not care what their system can or can not do. Someone has to be able to overwrite this, if this is clearly a Citibank 's error and they should be held responsible and take measures. Ok, XXXX is not able to help me. I ask for her supervisor, who spends about 20 min with me, she tells me another surprising fact : my account was still not converted to the Basic checking one as of XXXX for more than a month since I originally called in XXXX and was assured that nothing else needs to be done, all is taken cared of.
And so now the Supervisor tells me that I apparently had to call them again 2-3 days after I called on XX/XX/XXXX to make sure the Checking account is converted. Again - this WAS NEVER RELATED TO ME on the call on XX/XX/XXXX. And so the {$25.00} on XX/XX/XXXX is there because the account was never converted.
Next thing - she agrees to try to reverse the charges, is putting me on hold and returning every 5 min and eventually the call gets disconnected. I call again, all over again explain the whole situation and speak to a new supervisor XXXX. He eventually tells me the same thing as XXXX did - they are not able to reverse the fees since they have already done one in XXXX.
The bottomline is that I wasted more than an 2 hours with Citibank on the phone on both calls, they repeatedly ask for address and phone number before they proceed with trying to help. But when the call got disconnected no one bothered to call me back. When I call again and speak to XXXX - there are no records of the first Supervisor to be involved as if this time spent on the phone with her just disappeared! So I had to start all over! I wasted {$59.00} because of Citibank 's employees negligence and incompetence and uncooperative attitude. it's a story when one employee does not seem to care about what another one had said. Even though the situation is clearly a fault of Citibank : missing detailed information about what's involved with the conversion, inconsistent information provided on the phone, and promise! to reverse the fee, and then reassurance that I do not have to take any more steps to make sure the account is converted to the Basic one - and then when I called XX/XX/XXXX I hear that it still was not converted. I was also assured on XX/XX/XXXX call that now when my account was converted it was also put on a transitionary cycle when there was supposed to be a note that no fees are supposed to be charged. And as a result of all of this - I see the fees charged and am told that they can not be reversed.
It is frustrating and makes me think that Citibank does not really care about its clients.
|
| 06/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CA XXXX The communications problems with Citi a re never ending. We attempted to start this short sale on XXXX . We were told on XXXX by XXXX in the collections department that our authorization had not been validated and said he would send it in for validation. He also requested we have the borrower, whose personal liability for this lien has been discharged in a bankruptcy, call the collections department to verbally authorize us. This is an inappropriate request for a BKd lien. Possibly is a violation of a federal bankruptcy law, as the borrower would not be calling in of his own volition, but rather as a request from the collections department. XX/XX/XXXX we were told there was a proprietary authorization the borrower needed to fill out, and again asked for the borrower to call in to the collections department to verbally authorize us. We sent that in on XX/XX/XXXX , and spoke with supervisor XXXX , who assured me that she corrected the authorization issue, and told me that the file was assigned to XXXX XXXX , and transferred me to the XXXX to make an appointment for a call back. XXXX XXXX missed that appointment, and we received no callback. On XXXX , we received a letter via fax from Citi re questing several items be corrected and returned to them. We sent all required docs back on XXXX . On XX/XX/XXXX , I called in for an update. The automated system did not recognize the loan number. Transferred 6 times until finally sent to collections. Spoke with XXXX id XXXX . Claimed can see authorization however has not been applied to file, and therefore will not speak to me. When asked why XXXX , XXXX and XXXX claimed they fixed the problem and noted the account, had no explanation. They are forcing the client to call the collections department to verbally authorize us. Borrower called in XXXX to authorize us. On XXXX , I called in for an update, I was told I was still not authorized. Transferred to manager XXXX . She explained that it would appear policies changed within the last month or so to disallow CitiMortgage employees from validating authorizations for CitiBank HELOCS including verbal authorizations from the borrower directly, however these HELOCS are serviced by CitiMortgage. She has her manager and the VP of Operations involved in correcting the problem, it is a deeper operational issue that needs to be resolved. They KNEW that verbal authorizations were not accepted, yet still insisted on having the borrower call the collections department. This is fishy at best, and illegal at worst. I can only assume that they were attempting to get the borrower to reaffirm the debt discharged in a BK in an underhanded way. When I asked them about that, they said that it was fine because the borrower was calling them, however remember that they are FORCING the borrower to call in to authorize professional representation. This would not be a call of his own volition. On XXXX I was told the hardship letter needed to have the property address on it, we corrected that and sent it back the same day. On that day I set a callback appointment w ith our SPOC, who again did not keep that appointment. On XXXX , we were told we needed ink signatures on all docs, we returned all that by XXXX . And then, mysteriously, we were not authorized again on XXXX please see above for the current issues. Why is it so hard to g et Citi to communicate effectively regarding loss mitigation? Why are they making it nearly impossible for the borrower to have professional representation? Why is the borrower being forced to call the collections department to verbally authorize us, when they ALL KNOW THAT VERBAL AUTHORIZATIONS ARE NOT BEING ALLOWED? Like I said above, I believe that was an illegal attempt at debt reaffirmation. The file was closed out, I believe in retaliation for our persistence and forcin g Citi to acknowledge the issues. All docs were sent back when asked for, no one keeps their callback appointments, and my authorization continues to mysteriously be removed. If this is not deliberate on Citis p art, then it is gross incompetence and negligence and I want them fined to the full extent of the law. Citi outright LIES on EVERY SINGLE PHONE CALL WE HAVE WITH THEM even their Management LIES EVERY TIME by stating that they have now fixed the issue with our authorization not showing in their system. Each time we call back we have to demand to speak to a manager and then go through this process all over again.
Called in on XXXX . Call went to the XXXX call center. They refused to acknowledge our authorization. After much yelling and requesting transfers to supervisors I was transferred to customer service in the states, who could not call the loan up, then transferred again but was not informed what department. At that time I was told that XXXX XXXX was the assigned negotiator, and given his contact information. I was also told that XXXX XXXX said they were missing a couple of changes to the HUD. We made those changes and sent them back to the specified email address given on XXXX . I called attempted to call to get an update on XXXX to the number I was given for XXXX XXXX , which did not take incoming calls nor was there a voicemail box to leave a message. I emailed XXXX XXXX on XXXX to the email address I was given for him, XXXX XXXX XXXX , asking for confirmation that all docs had been received and to get an update. The email was never answered. I called in to Citi again today, after again being told by the XXXX call center that I was not authorized I called the collections department. The representative told me that the short sale was closed on XXXX due to documents not being returned. She also told me that XXXX XXXX was not assigned to our short sale. She attempted to get this reopened and corrected for me, as I told her that all docs that were requested were returned on XX/XX/XXXX , and I had never been informed that anything else was still outstanding. She was unable to get this done and said the only thing I can do is to schedule a callback with our single point of contact XXXX XXXX . I was then transferred BACK TO THE XXXX to make that appointment. It is ridiculous that I have to be transferred so many times in ONE CALL to get anything accomplished. The only appointment available to me is 6 days from today. How is that timely and effective communication? It is unacceptable. I should have to wait no more than 48 hours for a call to be returned. If the SPOCS are overworked then Citi needs to hi re more.
|
| 06/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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|
Web |
Older American |
|
1. On XX/XX/XXXX I opened a checking account with Citibank under a promotion ( XXXX ). The terms of the {$700.00} promo were : ( 1 ) account was to be open between XX/XX/XXXX and XX/XX/XXXX, ( 2 ) by the 20th day after the account was open, deposit $ XXXX, ( 3 ) keep the $ XXXX in the account for 60 days from the 20th day, and ( 4 ) within 90 days after the 60th day requirement, the bonus of {$700.00} would be paid.
After the $ XXXX was in the account for 60 days from the 20th day, there was NO minimum balance requirement, but the account was to remain open until the {$700.00} bonus was paid. Then I could close the account.
As long as a depositor had not owned a Citibank checking account in the last 180 days, at least XXXX XXXX XXXX, the promo was valid. I met the above requirements to open and receive the {$700.00} promo.
2. On XX/XX/XXXX I opened a Citibank checking account.
On XXXX XXXX ( 14 days after a/c opened ), I deposited $ XXXX The $ XXXX must stay in the account until XX/XX/XXXX per the promo requirements After XX/XX/XXXX the account just needs to stay open even if just {$1.00} in it ( no minimum requirement ) No later than XX/XX/XXXX, the {$700.00} bonus would be paid into the open checking account Once the bonus was paid into the account, I could close the account.
3. During the week of XX/XX/XXXX, I went online to check on my account and the website stated my account access was blocked. I received no prior email or any communication from Citibank telling me this was happening. I have no idea why my account would be blocked. The Citibank website said, for security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank online customer service at XXXX and mention error code XXXX.
4. I called Citibank immediately. Numerous call attempts to customer service yielded no answers, there were 3 hang ups on me after telling me that my account was being closed but they stated they couldn't discuss my account, and one supervisor from Texas, named XXXX, told me my account was being closed but he couldn't tell me why. I requested my account not be closed because I was under a promo that would enable me to get a {$700.00} bonus, but my a/c had to stay open until XX/XX/XXXX. If they closed the account for unknown and unexplained reasons before XX/XX/XXXX, I would lose my bonus. The Texas rep said that the a/c was submitted for closure around XX/XX/XXXX, that he couldn't tell me why, but that I should have received or will be receiving a letter explaining why. I also was told a check would be mailed to me but nobody knows when.
Therefore, Citibank is using my money while I don't have access.
5. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from the Citibank Fraud Prevention Department. It did not state the reason why they were terminating my account except to say we periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account. It went on to say they were taking steps to terminate the account, that I could not access my account, and it would be closed within 60 days of the letter ( dated XX/XX/XXXX ). ( Note 60 days would be XX/XX/XXXX ). ( Also, note that Citibank took the entire 60 days to send me a check thru XXXX marked extremely urgent ).
6. The XX/XX/XXXX letter to me did not explain why they were going to close my account, which I did not authorize them to do. I called numerous times to try and get an explanation but they said they could not provide me any additional information and that the Citibank Fraud Prevention Department could not be reached for any information regarding their letter. I felt betrayed, confused, taken advantage of. It felt like a bait and switch tactic by Citibank. I went online and Googled if others have had this happen to them and discovered that many people had similar bad experiences with Citibank.
7. On Saturday XX/XX/XXXX, XXXX left a Citibank envelope on my porch, since I was not home. In the afternoon when I got home I saw the envelope, and in it was a check for my original $ XXXX plus the {$700.00} bonus due, for a total of {$50000.00}. Since my bank was closed when I saw the envelope, and Monday XX/XX/XXXX was XXXX XXXX, I deposited the check on XX/XX/XXXX.
8. Everything about what Citibank did was unfair, customer unfriendly, deceitful, corrupt, and any other word one chooses to describe all this. The worst part is that Citibank did not have the decency to communicate to me that there was any issue with my account so I could correct any deficiency prior to them forcing my account closure. Citibank closed my valid account on me, without my permission.
9. If Citibank had not blocked me from accessing my account, on XX/XX/XXXX, the date the $ XXXX needed to stay in the account, I was fully entitled to take all my funds out of the account except for {$1.00}, and invest it into a 1 year t-bill earning 2 %. Because Citibank did block my account from me accessing it, I was unable to utilize my funds, but Citibank was using my money for their own bank lending.
10. The Massachusetts Consumer Protection law, Massachusetts General Laws Chapter 93A states that unfair or deceptive practices by a business are illegal. I feel that what Citibank did was in my honest opinion, dishonest and corrupt, and should be punished for doing this type of abusive and unfair banking behavior. I feel that Citibank willfully and knowingly violated Chapter 93A. Therefore, I am requesting treble damages as additional compensatory damages for this abuse of my money by Citibank doing business in Massachusetts.
11. Due to Citibanks actions, they denied me the use of my money from XX/XX/XXXX until XX/XX/XXXX, the date I was able to deposit the check, for a total of 45 days. I am requesting Citibank send me a check immediately for the interest income I would have earned on {$49000.00} TIMES treble damages. I would have invested in a 1 year t-bill at 2 %.
14. To make matters more insulting, in the past month, I have gotten almost a half dozen requests by Citibank Marketing asking me to rate them on how well they have done. Wow!!! I really dont think they want to know what I would like to say. Also the letter sent with the check stated exemplary customer service is our priority at Citibank. We look forward to assisting you in the future. Again, wow!!!
I have all documentation proving the above and would provide it upon request. Please feel free to request me to scan and send it as an attachment if necessary.
Citibank Headquarters tel # XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX of Citigroup Citi Headquarters XXXX XXXX XXXX, XX/XX/XXXX, NY XXXX
|
| 12/15/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
I was a victim of a XXXX fraud scam done to my XXXX XXXX accounts, including the trust account of my XXXX XXXX XXXX mother. {$19000.00} was robbed from my accounts in 13 XXXX transactions. The fraudulent XXXX payments all went to the same person : XXXX XXXX. I did not authorize any one of those payments, they took about XXXX out of my checking plus overdraft protection -- which of course I also did not authorize! ) According to XXXX XXXX XXXX needs to replenish these funds. Instead, they have stonewalled me and refused to replenish any funds!! Not one single person I spoke to so far in Citibank disputes or fraud was familiar with XXXX fraud scams!! ( By the way, I did not give my passcode or ID ) The XXXX fraud scam is documented in many articles such as this : https : XXXX According to XXXX XXXX and confirmed by the CFPB, Citibank must replenish or return these funds to me. https : //www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/ Instead, they denied my request and stonewalled me again and again. ( Though the last case, for XXXX, is still in process ) I was faced with endless obstacles, and my cases were denied! Details below, and our appeal is downloaded in the next section -- but as of now, I and my mother were frauded out of a huge amount of money and Citi has not been supportive at all -- much less fulfilling their obligation to review the case carefully and to replenish our funds as per XXXX XXXX!
Here are the case numbers : XXXX 2 transactions for {$5000.00}.
XXXX XXXX transactions for {$9900.00} XXXX XXXX transactions for {$4500.00} The first fraud happened on XX/XX/21. The second, on XX/XX/21. I immediately called the fraud department when I realized what happened and have spent countless hours being led in circles getting nowhere. No one seemed to comprehend the gravity of this experience. No one cared enough to review the details carefully enough with me. Sound quality was terrible on many of the calls and I had to keep asking people to repeat themselves. I kept getting sent to different departments, and then was told that the last person sent me to the wrong department. My family was with me and heard all of this and will corroborate as I had the calls on speaker.
Finally, I was informed that 2 of my cases were denied because of " lack of credibility and " lack of information. '' Somehow, in addition to this, {$5000.00} worth of lost money that I had reported was never investigated!! It was only when I called and finally spoke with someone helpful that it was recognized that they had not even reported or investigated XXXX of my stolen money.
I, my mother, my sister and our parents ' trust accounts have been with Citibank for many many years. Personally it's been XXXX years for me and probably as many for my sister and my parents. We have a wonderful relationship with the staff and the branch manager of our local XXXX XXXX New York branch. They know my family very well and they will vouch for all of us I am sure. To be treated in this way after such a loyal relationship is just absolutely devastating.
In addition, the level of customer service and support that I received was incredibly poor. And meanwhile, nobody even contacted me out of concern because such a huge amount of money was lost nor did Citibank in good faith offered to replenish any of it upfront until the dispute was completed! Almost half of that money was from the trust of my XXXX mother. A XXXX XXXXr and someone who is beloved in our local branch and our community.
Here is what happened when I was robbed by the fraudster : On XX/XX/XXXX and again on XX/XX/XXXX I received phone calls-ostensibly from Citibank Fraud XXXX This was incredibly sophisticated. Somehow they had hijacked the actual number of Citibank fraud because when I called the number back I actually was connected to Citibank fraud!! They asked me if I made a purchase of XXXX something in XXXX in person at a XXXX. I said no. By calling them back and really getting Citi fraud, and then seeing a text generated from Citi, I decided to believe him, though I gave out no PW or Username.
.
The person who called me kept me on the phone for a long time, as he said that he was checking to make sure that there was no other fraud. There was one call on XX/XX/XXXX, and during that call I got this email from Citibank. This is when they changed my password without my realizing : During these calls, and only during the minutes of these calls, all of my and my mother 's money was taken out of all of our accounts. I'm hypothesizing that they were only able to steal this money while they were on the phone with me, but somehow they had hijacked Citibank 's phone # and spoofed an actual text to me saying exactly what they told me it would say. I believe they transferred money from all my accounts to my checking account and then drained my money using my XXXX account. Then they went to the other checking account ( my mom 's trust checking account ) and switched my XXXX account to come from there. And then they drained that account, at least as far as I can tell.
I did not give out my password or other key identifying information There were more details as well which no one was interested enough to document. When I reported this, I asked that an investigator reach out to me, because I wanted to explain those details. I still have not gotten to explain them to anybody. I expected this {$19000.00} to be taken very seriously. It was not.
I did get one voice mail from Citibank asking me to call. Of course I called immediately but I was routed to different numbers for almost 2 hours and finally was disconnected without getting any clear information at all. I have witnesses who were with me during that entire time.
Meanwhile, we have wasted many, many hours on the phone, getting nowhere. We have submitted an appeal. Thank god we have the wherewithal to take these steps, if we didn't this kind of loss could devastate a family.
Citibank is trying in every way to get out of paying this. They must be held accountable and I want to report this so that they don't do the same thing to other Citi clients.
Under " Attach documents '', I attached my appeal to Citibank with copies of the bank notices which occurred during the scam. No response yet.
IMPORTANT : in the next section where you ask for account number, I gave my checking account that was scammed. That account is currently frozen by Citibank. They gave me a new account, but no scam occurred with the new account.
Also, there were TWO accounts that were robbed. There was only space for one account number. The other account that was scammed was XXXX.
|
| 11/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
below is the transcript from the online messaging with Citibank representatives : After being transferred to a supervisor and discussing Cashier Check payment vs other types of payments. a cashier check is like cash and should not be held for over 14 days for verification. requested where in their terms identifies holding a cashier check. It was stated that there is not a policy or terms showing this requirement.
Complaint is that Citibank is placing holds on payments, specifically cashiers check, that they are not authorized to do and do not provide terms and or conditions allowing this to take place.
Welcome to Citi Message Us. Please type your message at any time.
why is there no available revolving credit after a payment made on XX/XX/XXXX for {$24000.00} You at XXXX, XX/XX/XXXX : You're now connected to : Citi Bot.
Info at XXXX, XX/XX/XXXX : Please do not share sensitive account information, such as your security word or expiration date here. We may send you a secure electronic form to collect this information. This session may be recorded or monitored.
Well, this is embarrassing. I can't handle such long requests yet. If you say something like " lost card '' or " dispute a charge '', then I can roll up my sleeves and get to work.
Citi XXXX at XXXX, XX/XX/XXXX : explain no revolving credit listed on my account.
You at XXXX, XX/XX/XXXX : I want to make sure I get it right. Do you see what you're looking for?
Merchant Credit Timing Account Number Chat with a representative Citi Bot at XXXX, XX/XX/XXXX : Chat with a representative You at XXXX, XX/XX/XXXX : Sure thing. Tell me which account you need help with and I'll connect you to the next available representative.
XXXX XXXX ... by Citi ... XXXX You at XXXX, XX/XX/XXXX : You are now being transferred to the next available representative.
You're now connected to : XXXX.
Info at XXXX, XX/XX/XXXX : Hello, XXXX! Thank you for chatting in today, allow me a moment to access your account.
My apologies, I am experiencing technical issues and will need to transfer you to another agent. One moment.
Latosha at XXXX, XX/XX/XXXX : You are now being transferred to the next available representative.
You're now connected to : XXXX.
Info at XXXX, XX/XX/XXXX : Hello, XXXX! I would be happy to look into this for you, one moment please while I review your account.
Thank you for your patience! They payment of {$24000.00} has a hold on it that will be removed on XX/XX/XXXX and your available balance will be updated then!
XXXX at XXXX, XX/XX/XXXX : i am trying to understand a 10 day hold for a cashiers check that was used for the {$24000.00} payment. that has already been cashed at my bank You at XXXX, XX/XX/XXXX : Payments may be held for verification for a number of reasons. These include, but are not limited to : a new bank account being added, if it is a new credit card account, multiple payments in a short period of time, an unusually large payment, or if a payment has previously been returned.
XXXX at XXXX, XX/XX/XXXX : but this is a cash payment!
You at XXXX, XX/XX/XXXX : It was a check that was much larger than your normal payments, which I believe is why the hold was put on the payment.
XXXX at XXXX, XX/XX/XXXX : reason for asking this check is the same a cash, it is not a personal check or other type of payment. can you someone in management call me to explain or provided in your terms for holding a cashiers check form pf payment.
You at XXXX, XX/XX/XXXX : I do understand that its extremely frustrating that this payment has a hold on it at this time. Ultimately the department that does that is there to protect our clients and accounts against anything that is outside the normal payment history on the account. So although its frustrating that its there we want to make sure that we are providing the best security that we can for everyone. With that department being closed at this time due to global events that are affecting all of us right now, those funds will be off of the hold by XX/XX/XXXX and at that point you will be able to access that line of credit. We appreciate your patience with us during this very difficult time.
XXXX at XXXX, XX/XX/XXXX : i would like to speak to someone from management!
You at XXXX, XX/XX/XXXX : I can absolutely get you a supervisor, but I do want to let you know they will not be able to release those funds for you.
XXXX at XXXX, XX/XX/XXXX : you have my payment, but will not let me use my card. please have management call me.
You at XXXX, XX/XX/XXXX : I can not have someone call you but I have reached out to a supervisor through chat to speak to you.
XXXX at XXXX, XX/XX/XXXX : yes please.
You at XXXX, XX/XX/XXXX : Of course, one moment please.
Thank you for your patience, I will be transferring you to a supervisor now. I hope you have a great day!
XXXX at XXXX, XX/XX/XXXX : You're now connected to : XXXX.
Info at XXXX, XX/XX/XXXX : Hello XXXX. My name is XXXX, and I am an account supervisor in the messaging department. Please allow me a moment to review the previous conversation.
Thank you for your patience. I completely understand your concern with the recent large payment being held for verification. Please keep in mind we do this for the protection of the account and I see it will be released on XX/XX/XXXX.
XXXX at XXXX, XX/XX/XXXX : can you provide in your credit card terms where it states that a cashiers check can be held for verification. a cashiers check is cash!
Now Hello XXXX. My name is XXXX, and I am an account supervisor in the messaging department. Please allow me a moment to review the previous conversation.
Thank you for your patience. I completely understand your concern with the recent large payment being held for verification. Please keep in mind we do this for the protection of the account and I see it will be released on XX/XX/XXXX.
XXXX at XXXX, XX/XX/XXXX : can you provide in your credit card terms where it states that a cashiers check can be held for verification. a cashiers check is cash!
You at XXXX, XX/XX/XXXX : That is a very good question.
The hold policy is not listed in the terms and conditions of the card, but it is a security precaution, on all accounts.
XXXX at XXXX, XX/XX/XXXX : I would appreciate a policy statement for this precaution, otherwise I would like to have the payment posted immediately. a cash payment does not create a security precaution.
You at XXXX, XX/XX/XXXX : I truly understand your concern here, unfortunately we are not able to remove the holds.
I have filed a complaint on your behalf and captured your concerns there.
XXXX at XXXX, XX/XX/XXXX : thank you and I will file a complaint with the Consumer Finance Protection Bureau.
You at XXXX, XX/XX/XXXX :
|
| 05/21/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/2020 I purchased as a gift, the XXXX XXXX XXXX XXXX Model # XXXX @ {$1000.00}, XXXX XXXX XXXX XXXX XXXX Model # XXXX @ {$1000.00}, XXXX XXXX XXXX XXXX and Installation Package @ {$350.00}. The bill of sale totaled {$2600.00}. One-half ( 1/2 ) of the total - {$1300.00} was charged to XXXX XXXX and the balance - {$1300.00} was charged to the merchants financial Citi Brand Source charge card.
XX/XX/2020 The merchants delayed install & stock availability, resulted in only a partial delivery & install of the brand new out-of-box appliances to the gift recipients residence.
XX/XX/2020 After a two-day window was established by the merchant, a follow up delivery and install were made to the gift recipients residence.
XX/XX/2020 While preparing the newly installed appliances for use on this date, ( neither of the appliances were in use on or prior to this date ) one of the glass shelves exploded in the hands of the owner/recipient of this appliance. Simultaneously, the door of the XXXX XXXX became unhinged, preventing the door to close, thus deeming the oven INOPERABLE per the Manufacturer.
XX/XX/2020 The merchant was immediately contacted and advised that both appliances were shown to have manufacturer defects prior to their use. The merchant and a XXXX representative refused to return and refund the appliances ; stating, repairs are performed on manufacturer defective appliances based on XXXX warranty.
XX/XX/2020 I contacted XXXX XXXX to request the charge amount of {$1300.00} be placed under dispute due to the merchants refusal to return & refund the defective appliances received. It was stated that the company would suspend transaction pending investigation 8 to 12 weeks. I also contacted Citi Brand Source to request the charge amount of {$1300.00} be placed under dispute due to the merchants refusal to return & refund the defective appliances received. It was stated that the company would open a dispute which will take 6 weeks.
XX/XX/2020 Follow up contact was made to Citi Brand Source in which the Dispute Dept rep stated the investigation would take 30 days, but ultimately it was up to the store whether they would accept return & refund appliances.
XX/XX/2020 Correspondence received from Citi Retail Services stating their investigation determined I would be responsible for the disputed charges. However, the dispute would be reopened, provided supporting documentation was received prior to XX/XX/2020.
XX/XX/2020 I contacted Citi Retail Services and discussed where/how to send the supporting documentation. The customer service rep provided multiple fax numbers and/or mailing address. XX/XX/2020 Per the customer service rep, the Dispute would be reopened as the submitted 27 faxed pages of additional documentation and the same 27 pages of supporting documents was received via USPS to the Retail Services.
XX/XX/2020 Upon receipt of an account billing showing payment due XX/XX/XXXX, I contacted Citi Brand Source and spoke to a Dispute Dept rep who confirmed their receipt of both the faxed 27-page documents and the USPS receipt of the same documents. The rep advised the billing was auto-generated and the Dispute was in fact reopened.
XX/XX/2020 A follow up contact to Citi Brand Source for status resulted in a conversation with the Dispute Dept Supervisor, stating the investigation was closed on XX/XX/2020 because of the merchants warranty. After further discussion, the supervisor agreed the dispute would be reopened and reassessed based on the recently submitted supporting documents received XX/XX/2020.
XX/XX/2020 A follow up contact to Citi Brand Source for status resulted in a conversation with a Dispute Dept rep who stated the Dispute is closed. I requested & spoke to a department manager who stated the appliances are under warranty. After further discussion, the supervisor agreed the dispute would be reopened. I asked for a letter stating the same. The manager agreed ; however, no letter has ever been received.
XX/XX/2020 Received Citi Brand Sources account billing showing payment due XX/XX/2020, past due {$0.00}, minimum payment due {$28.00}.
XX/XX/2020 Received a collection call from Citi Brand Source account billing. I asked for the Dispute Dept and was told the dispute was closed. I asked for a written document stating that the dispute was closed and the reason for the closure. I re-contacted this credit card issuer up with another call to the Dispute Dept and spoke to a manager/supervisor who agreed the dispute would be escalated for further processing.
XX/XX/2020 Received a collection call from Citi Brand Source. I immediately requested the Dispute Dept. The dispute rep stated I would need to work with the merchant to resolve the dispute. It was further stated by the rep, their records do not reflect two appliances only 1 a refrigerator. I explained the bill of sale purchase was for 2 appliances which included a cooking range. The rep stated, There is nothing more they would do on the account, the dispute is closed and they can not force the merchant to return the appliances. I requested a letter stating the closure of the dispute and reason. The rep stated, that would not be done.
XX/XX/2020 It must be noted at this juncture, that XXXX XXXX issued its investigative findings of closure and issued a credit for the balance amount of {$1300.00}, stating XXXX XXXX XXXX has not yet provided the necessary information. '' By contrast, Citi Brand Source continued to blunder its way through a feigned dispute investigation resulting in my initiating over 21 separate phone calls, at least 4 requests to reopen their premature closures, while additionally providing numerous supporting documents regarding the manufacturer defected appliances.
XX/XX/2020 I sent a follow up email to Citi Brand Source regarding disputed charges investigated by a card issuer are required by law to issue a written advisement within 30-90 days and the reason for the decision.
XX/XX/2020 Received alerts from ( all ) three Credit Bureaus, in which Citi Brand Sources submitted a negative 30-days XXXX delinquency account billing.
XX/XX/2020 I filed disputes will all three Credit Bureaus XXXX, XXXX XXXX, XXXX
XX/XX/2020 Received correspondence via US mail from Citi Brand Source advising their credit line was being lowered on the issued credit card from {$5000.00} t0 {$1400.00} due to my Credit Score as of XX/XX/2020 of XXXX Credit scores range from low of XXXX to a high of XXXX.
XX/XX/2020 Received billing via US mail from Citi Brand Source advising the account 's Previous Balance - {$1300.00} ; New Balance - {$1300.00} ; Past Due Amount - {$70.00} ; Min Payment Due - {$120.00} ; Payment Due Date - XX/XX/2020 ; Fees Charged + {$41.00}.
|
| 07/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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XX/XX/XXXX My history with CitiBank dates back to one of the first lines of credit that I opened in college and has extended nearly twenty years. At present, there is one current account with Citi, which is the subject of this e-mail.
From the beginning of our interactions with Citi on this account, we have received erratic confirmation e-mails ( if any ) and poor reporting on payments made to this account. During the course of XXXX, we made thirteen payments of a total of {$2000.00}. Because of payment processing problems on Citis end ( Citis systems failed to process payments we authorized through Citis website ), and time delayed timeline to notify us of those missed payments, those payments were sometimes placed at odd times. The longest time between those payments was 55 days. Corrective action and payments were made and reauthorized immediately each time we were notified that authorized payments were not reflected on our account.
There were at least three periods where payments were authorized and not removed from our account that have been documented : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During this period, Citi did not send any notifications except mail on normal billing cycles to confirm payments, which often lagged. Because of the extreme lag on Citi statements, it would sometimes not become apparent that payments had not been credited to our account, despite our authorization, for two billing periods.
- We caught the payment not going through in XXXX and reauthorized a payment on XXXX XXXX.
- The XXXX payment was authorized, but did not go through, so two payments were made in XX/XX/XXXX.
- Our XXXX payment was scheduled, but was removed earlier than authorized on XX/XX/XXXX and so two payments were applied to XXXX rather than one in XXXX and one in XXXX.
- Our XXXX payment was authorized, but it did not show up that it had not been removed until XXXX, when two catch-up payments were made ( XXXX XXXX and XXXX XXXX ). A third payment was made in XXXX, and after speaking with a Citi representative, who enrolled us in autopay and gave us a {$10.00} credit for the repeated problems with Citis payment processing software.
- At no time was any payment processed by Citi rejected by our bank, and at no time did we have insufficient funds to cover the payments authorized and made through XXXX website.
A summary : - All payments significantly exceeded minimum payments required.
- The longest period without a payment was 55 days. That lag in payment stemmed directly from notification delays on Citis end.
- In XXXX, CitiBank employees credited our account additional and apologized for the inconvenience, acknowledging multiple problems with XXXX payment systems.
At this point, we believed that the problem was behind us and the auto payment feature would ensure that no additional problems would occur ; however, - In XXXX, Citi reported to credit reporting agencies, in error, that we were 60 days delinquent in our accounts in XXXX and XXXX, which was actually impossible.
- Citi reduced the credit line on the account from {$9100.00} to {$5600.00}.
- The impact on my FICO score from the erroneous reporting was significant, ultimately dropping my credit score to XXXX, a fact that we did not find out until well into XXXX.
- The continued denial of any CitiBank problems and the banks refusal to remove the erroneous report, continue to harm credit scores it was dropped 55 points today after CitiBank again denied any wrong-doing.
Since finding this error during a normal credit check, we have had more than 10 conversations with Citi employees in XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX, and written two letters in XXXX and XXXX of XXXX. Through each of these phone conversations, including extended phone conversations on XX/XX/XXXX ( with XXXX ) and XX/XX/XXXX ( with XXXX ), we were assured that Citis payment and auto payment systems had significant problems through XXXX and that Citi knew of its multiple problems and would correct the errors in credit reporting. Further, it was confirmed that all notifications on payment-related issues had been disabled by Citi without warning or notification.
Citis customer service team repeatedly acknowledged problems with CitiBanks payment processing systems and consistently assured us that the erroneous report would be removed from my credit report.
On XX/XX/XXXX, XXXX suggested that I call back in a few days, when she expected that Citi would be resolve the problem by correcting the erroneous credit reporting information by showing no delinquent payments related to our account since it opened. Each conversation was cordial and efficient, assuring us that the situation was an error and would be resolved.
Following the XX/XX/XXXX call, I had additionally reported through XXXX that the credit report of being 60 days delinquent was made in error, and that, according to Citis own records, our accounts were not late due to Citis own system errors.
On XX/XX/XXXX, I placed a call received by someone identifying herself as XXXX, who refused to speak with me, saying all future communications on the account would need to be in writing something we had never been told previously. I requested to be put in touch with a supervisor, which she refused before hanging up on me. When I called back, I spoke with a representative named XXXX, who promptly put me through to a supervisor, XXXX. XXXX put me on hold for 40 minutes before being disconnected without speaking with him beyond a curt Hello. Finally on XX/XX/XXXX, I called back and spoke with a representative named XXXX, who stated that all communication must happen in writing, prompting this letter.
Following that conversation, we wrote a letter, as instructed, outlining this situation. Nearly a month later, we received a letter stating that they needed more information, which we provided in a timely manner, before sending a letter on XX/XX/XXXX indicating that CitiBank is again refusing to make corrections and now refuses to acknowledge any errors.
At this point, my wife and I have invested more than 12 hours in attempting to resolve issues that stem from CitiBanks systematic payment processing errors and a lack of timely notification when errors did occur, directly causing payment delays. Despite Citis errors, we worked quickly to correct errors and make payments as soon as we were notified. Those delays never exceeded 55 days, despite having to sometimes wait two written billing cycles before finding CitiBanks errors.
Payments were authorized on our end each month in a timely manner through Citis systems that exceeded minimum payments.
The on-going credit reporting error continues to cause significant harm.
|
| 02/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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To whom it may concern : I am reaching out to you for help since CITIBANK wouldnt provide the letter that I needed in order for XXXX XXXX to pursue their investigation regarding the missing refund since XX/XX/XXXX. The dispute started in XX/XX/XXXX and XXXX XXXX finally issue the refund on XXXX and XXXX see attached since they cancelled the flight due to COVID 19 but till now CITIBANK isnt helping me track where the refund went based on the info. provided by XXXX XXXX see attached.
XXXX XXXX provided the information that CITIBANK needed to check our refund since XX/XX/XXXX till now CITIBANK didnt do anything. They provided the info. since XXXX XXXX, XXXX and recently on XXXX XXXX, XXXX but again no respond from CITIBANK where the refund went based on the info. provided by XXXX XXXX. CITIBANK should check it with their bank based on the bank reference number that XXXX provided if not they need to respond to all the info. that I have been providing them nothing at all.
I am the one reaching out directly to merchant regarding my refund status. CITIBANK didnt help at all.
I have been dealing with Citibank since XX/XX/XXXX till now. I found out from XXXX XXXX that they issued the refund on XX/XX/XXXX and XX/XX/XXXX airline tickets worth {$570.00} per tickets total of {$2200.00} for 4 passengers but then when I called CITIBANK they informed me that they dont have it they only received on refund on XXXX stmt. for one passenger. We have total of 4 passengers that we are waiting for still missing according to CITIBANK therefore XXXX XXXX provided the bank reference # so that CITIBANK could verify it and we provided it via e-mail on XXXX XXXX, XXXX see attached. I also provided them the e-mail that I received from XXXX XXXX on XXXX again no respond from CITIBANK regarding the result of their investigation. Imagine dealing with CITIBANK and XXXX XXXX since XX/XX/XXXX and till now I am still dealing with them regarding my refund. Now CITIBANK isnt providing us the result of the investigation based on the bank reference and info. provided by XXXX XXXX. I was dealing with XXXX from XXXX XXXX and they want CITIBANK to provide them a letter indicating that they didnt have the refund in order for her accounting dept. to move forward with the investigation where the refund went but unfortunately CITIBANK isnt providing what I needed therefore I decided to reach out for your help. I have been transfer from one dept. to another from CITIBANK and they wasted a lot of my time since XXXX and no result at all. XXXX, CITIBANK and I did the conference call and again CITIBANK XXXX willing to help solve the issue especially XXXX XXXX provided all the info. they received from their accounting dept.
I provided them all the documents that I received from XXXX XXXX and forwarded it to them since XX/XX/XXXX and the recent one on XXXX and latest information on XX/XX/XXXX till now no respond from them regarding the outcome see attached.
As you can see on XXXX XXXX, XXXX letter from XXXX XXXX it was provided the same information but they didnt respond regarding the result of their investigation see attached.
Recently, I received my recent statement from CITIBANK and my dispute amount still showing open after I provided them all the information that I gathered from XXXX XXXX see attached.
I called CITIBANK on XXXX and they told me to give them 5-7 business days. I called today and now they are telling me another 5-7 business day. I am not going anywhere with them especially I already provided them the information that they requested over the phone. One of the representative told me over the phone to request the bank reference # which I provided to them already since XXXX XXXX, XXXX now they arent doing their part to check where the refund went. They kept telling me no refund showing on their end see attached bank reference info. from XXXX XXXX.
I called them today XXXX hoping that they have the letter that I need regarding the investigation result based on the information provided by XXXX nothing again.
On XXXX, I talked to XXXX one of the supervisor from CITIBANK today and she told me that she will request it today and I told her that I already request it twice till now they havent provided the letter that told me last week that they should have it today now they are going to make me wait another 5-7 business days. I asked her if they received the e-mail that I sent and she confirmed that they did therefore I asked her for the letter that I need and she told me that I need to wait again. I told her that I have been patiently waiting since XXXX XXXX regarding the letter that I requested till now nothing. In addition, she confirmed that they received my e-mail request and phone request that I sent them recently but they arent doing their part to provide me the letter about the finding of their investigation especially they claimed that they didnt have the refund but XXXX XXXX kept insisting that they sent it on XX/XX/XXXX and they provided the bank information. I have been waiting for this letter since XXXX. I asked her if they received the refund from XXXX XXXX that they released on XX/XX/XXXX and according to XXXX as of XXXX no refund from XXXX XXXX.
I am reaching out to you since CITIBANK wouldnt provide me the help that I needed in order to check the bank reference # that XXXX XXXX provided regarding my refund that they issued on XX/XX/XXXX till now the balance of 4 airlines ticket still showing open on my credit card statements see attached.
I disputed this back on XX/XX/XXXX. We are only three weeks away and it almost one year. I even have XXXX XXXX talked to CITIBANK bank via conference call and till now nothing. Not sure why they are prolonging it just a simple letter that I need in order for XXXX XXXX to pursue their investigation if they dont have the refund on their end then they need to provide the letter to XXXX XXXX indicating that they couldnt located the refund issued on XX/XX/XXXX and XX/XX/XXXX see attached.
I tried to resolve it myself with them but they are just transferring me from one dept. to another no one help me with CITIBANK. Thankfully I was able to get the info. from XXXX XXXX now that I provided to CITIBANK they should provide me the outcome of their investigation if they really working on it apparently till now no outcome.
This has been exhausting dealing with CITIBANK especially I provided them all the info. that they needed from XXXX XXXX. All I need is the letter indicating that based on the bank reference that they couldnt find the refund so that XXXX XXXX could provide the letter to their investigation team.
Your cooperation is essential and greatly appreciated.
Best Regards XXXX XXXX XXXX
|
| 09/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
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On XX/XX/XXXX, I activated my first ever Citi credit card. This is my first, only, and at this point last account I will ever have with Citi.
I attempted, at that time, to connect my new Citi AAdvantage card to my digital mobile wallet ( XXXX XXXX ), a pretty typical process for me when I get new cards.
At that time, I ran into an issue, and decided I didn't have the time to deal with it.
I closed the app, and went on about my life as normal.
Fast forward to XX/XX/XXXX. I get an automated email from Citi reminding me to finish up the process of adding my card to my digital wallet.
While using the Citi app to complete this process, I am prompted to get a text or to call the bank. Thinking that this will be a quick process, I choose to receive a text. After about 10 min, I still had not received a text.
So I decide to go route 2, and call Citi.
I call in at around XXXX my local time and advise what it is I need help with : adding my card to my mobile wallet.
The rep I spoke with advises that they need to verify my account, and I say okay.
I agree and we proceed.
I am asked if I have another phone number. Well, like most millennials, I only have 1 phone number, my cell phone. They ask if I have a work phone number they can call. I don't, I work from home and we don't use an internal phone system. They then ask if I have another account with Citi, another credit or a checking or savings account. I advise I don't, this is my first and only account with Citi.
I am then advised that I will be receiving a letter in the mail and I need to call back when I have that letter. At the time I was told this, I did not understand the implications of what was being communicated to me. So I advise I will wait, and we end the call.
Fast forward to a few hours later : I am at dinner. I go to pay my check with my Citi AADVANTAGE card. I had just paid off the small balance I had earlier in the day, and also the card gets double points at restaurants. So no biggie.
I am advised that my card was declined. So I pay another way.
I then open my Citi app, and see a notification that tells me I need to call Citi and verify recent activity.
So I call. The rep at this time states they need to verify my information ... by giving me a call.
I go through the same process with this rep, explaining that I don't have another phone number, I don't have any other accounts with citi, however I know all my own personal identifying information and I can verify that way. I explain that I called earlier in the day, what I was attempting to accomplish at that time, and how I'm advised to wait for a letter.
I am advised by this rep that they are unable to help me and I need to call back once I get this letter.
At this point I'm confused and frustrated. The rep attempted to end the call there, however I needed more of an explanation as to how and why a request to add my card to XXXX XXXX would result in my account being locked like this. I ask to speak with a leader on their team.
I am transferred to someone else, who attempts to verify my account in the same exact manner that's been attempted 2 times before.
They say they that if I can give them a phone number of a family member to call, we can go that route for verification.
I ask my partner if I can give Citi their number in order to call and verify my info, and my partner agrees. HOWEVER, when we gave the rep my partners number, we are told that the number we provided does not meet the standards that Citi requires. I ask the rep on the line what they mean? As far as I am concerned, I was asked for a phone number, and I gave one ... What requirements for a phone number does Citi have, I ask the Rep. They tell me " We can not disclose that '' At this point I'm so confused and it feels like I'm being shut out and just left in the wind.
I decided on XX/XX/XXXX to call back once more to see if I can get ANY HELP. Because at this point, I have not received anything that can be referred to as service.
I explain the entire situation to this rep. They place me on hold. They come back and say that they don't have any other options to help me, but they can share my concerns about this process...
Wonderful...
As a last resort, I go to social media. I locate Citi and rather than blast them publicly, I message them directly. It seems this is the only way you can get an electronic communication to an actual human. Good luck finding a contact email address for them on any website.
I get a response from their XXXX and XXXX accounts advising me to expect a phone call in 1-2 business days.
On XX/XX/XXXX, I get an email from the Citi Executive Response Team, advising that " We work to resolve cases as quickly as possible and aspire to resolve all of our cases within a maximum 15 calendar days '' FAR longer than the original time I was advised.
On XX/XX/XXXX, I receive a call from a member of the Citi Executive Response Team, and as soon as they identify themselves and advise they are on a recorded line, they tell me that I need to wait for a letter, which will have a reference code.
I ask this rep if what I am experiencing is typical of new customers with Citi. They advised that " they do see this more often with new customers. '' They went on to explain that because there isnt " enough history '' on the account, there is nothing that the fraud department can verify. I inquire about the information tied to multiple payments I made toward my card. I inquire about my personal, non-directory information. I inquire about ALL of the security features I was required to set up at the time my card was activated. The rep stated that as far as they are aware, none of this could be used.
They then proceed to say " Well you should be getting the letter very soon. I can see it on my end and I see the reference number ... '' I stopped listening at this point because it was at THIS EXACT POINT I realized just how much I do not matter as a customer to Citi bank.
They can see everything right there. They know I don't have what they are needing, yet they refuse to find any sort of common ground for resolution.
It's obvious to me from my experience so far as a Citi customer that is organization cares VERY little, id at all, about new clients. They care very little about resolving issues. They care very little about creating inclusive policies and processes that can be applied to ALL of their customer base in a fair and concise manner.
If I were to close my account now, Citi has advised that they would not remove themselves from my credit history. With that having been stated, I AM NOW REGRETTABLY STUCK as a Citi customer in order to protect my credit score.
|
| 04/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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|
I opened a personal installment loan with Citibank in XXXX. It was set to autodraft monthly from the same account to which loan proceeds were deposited.
In late XXXX and early XXXX, my checking account ending in XXXX at XXXX XXXX was compromised and debits totaling around {$20000.00} were made. XXXX XXXX immediately closed the account and removed the remaining funds and transferred them to XXXX of my other accounts at the same credit union. I was told certain recurring charges would still be allowed on a case-by-case basis and the funds would automatically transfer from my account ending in XXXX.
In early XXXX, I noticed the Citibank autodraft had not come through. I tried to change the account information online but the system dead-ended in an error every time I tried. Changing the account information ( payment account information ) on the exact same website inside the exact same account for my Citi credit card took seconds, yet the personal loan resulted in a frustrating error time and time again.
I called Citi on the loan servicing phone number XXXX on XX/XX/XXXX at XXXX PM ET. The call lasted 13 minutes and 21 seconds. I notified the representative that I could not change my payment account online. She indicated that this was an easy fix. She took the new information for the account ending in XXXX, had me repeat it, ask me pertinent questions about the name and address on the account. While it took a long time, the call was ended thinking Citi would take the payment based on the new information provided.
The payment was attempted to be deducted from the account ending in XXXX, the account that was closed. I specifically advised the representative that this account was closed, and it should not be used. She still processed the payment anyway without notifying me of what she was actually about to do. The payment amount was to be {$580.00} and a late fee. I did not protest the late fee because this was technically my fault, but I attempted to correct the problem way before the 30 day late period would kick in. At that point, it was 25 days late. More than enough time to satisfy the account and get back to regular payments.
In early XXXX, I receive a dump of mailings from Citi. XXXX service is slower than usual and has been published by several government and news agencies. It is not a secret.
One such mailing from Citi is from their " Research Department '' asking me to mail a voided check for the account ending in XXXX. Not only is this ridiculous in the year XXXX, this could have also been sent via email or by a simple phone call. At this point, I did not understand why it was so difficult to pay Citibank. One would have thought that making payments would be an extremely straightforward process because banks universally make making payments extremely easy.
Another mailing is notifying me that my account is severely past due.
I start to call Citi on the same phone number as I did in early XXXX, XXXX. On XX/XX/XXXX, I called this number five ( 5 ) times : XXXX PM ET XXXX PM ET XXXX PM ET XXXX PM ET XXXX PM ET On XX/XX/XXXX, I called this number again : XXXX PM ET XXXX PM ET On XX/XX/XXXX, I called this number again : XXXX PM ET XXXX PM ET Also, on XX/XX/XXXX, I called several other numbers to try and resolve this, including XXXX : XXXX PM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original number, printed on all correspondence and Citi 's own mailings, XXXX would send me to their mortgage department. The mortgage department had no idea what was happening and would immediately transfer me to Citi 's checking, savings and debit card call center. I would ask to be transferred to a live agent in the personal loan department, but nobody seemed to know what to do.
I finally called multiple times and got a representative at a banking center in The United States who told me that almost all of the call center employees at XXXX ( Work from Home ) in The XXXX. Also, the phone system is messed up when an account is held by the collections department and the problem has persisted for a long time. The banking center employee got a live representative in collections to help me. The collections department representative took payment information from me. I gave the account information ending in XXXX. This time, the representative told me what was going on. She said the system was saying it was invalid information and the account was not valid. She then explained that there was nothing else she could do and I'd have to wait to get a letter in the mail explaining what to do. Basically, I was going to have to wait two weeks for another mailing from Citi 's XXXX XXXX asking for a voided check. I do not write checks and have never ordered checks on this account. Again, it is XXXX!
I pushed the representative to not abruptly end the call ( which Citi representatives enjoy doing either by mysteriously losing the call or transferring to the incorrect department ). As friendly as these representatives are based in The XXXX, they run on a script and anything that deviates from that script essentially freezes them and they have no idea what to do.
I ask the representative to take my XXXX XXXX savings account information as payment for this past due account. It mysteriously works and I'm told the draft will be for {$580.00}. I confirm the amount and she confirms the pertinent information on the savings account. This call took place on XX/XX/XXXX at XXXX PM ET and lasted 27 minutes and 17 seconds. The new XXXX XXXX payment account ends in XXXX.
After resolving this issue for the second time, I then begin to try and reach a department that handles credit bureau disputes or customer service. Not a single representative knows what I am talking about. Again, as the representatives are based in The XXXX, they are unaware of how the credit bureau and rating system works in this country. To them, a " 30 days late mark '' means nothing to them and they're extremely unhelpful because it seems their main concern is ending the call as quickly as possible either by ( again ) mysteriously losing the call or transferring to an incorrect department. The best one is when they transfer me to an internal line that only asks for an extension number and nothing else. I was transferred to this line numerous times over the past month. Later on, one representative transferred me directly to XXXX, another transferred me directly to XXXX. When I say it is beyond frustrating to deal with Citibank and their current customer service structure, I wholeheartedly mean it. Many other banks have offshore customer service and none of them have a labyrinthian telephone system like Citi.
|
| 07/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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I got my Best Buy Citibank credit card seven years ago while I was living in XXXX, SC. I know I was living in XXXX because I was going through a divorce and I have documents showing I lived there during this time. I have never missed a payment in all of those years having this card because I started off with horrible credit after my divorce and I realized the importance of good credit. Life is very difficult with bad credit, therefore, I worked diligently to improve my credit. I had a XXXX credit score seven years ago and I got it up to over 750 by the beginning of XXXX. I used this card through the years, not a lot as I try to limit credit card utilization, until last year. In XXXX, I tried to use my Best Buy card and was told that my account was closed by a Best Buy employee. Since I was told it was closed and my credit had not suffered as a result, I paid by other means and moved on with life, never thinking about that card again. Fast forward to XX/XX/XXXX, I go to buy a car. The car salesmen runs my credit and tells me that I don't qualify for the promotion. I was in shock. I see that my credit has dropped over 180 points as a result of non-payment on the Best Buy Citibank credit card. I immediately call the credit card company and am told that it was for not paying a {$59.00} annual fee. I explained that I had been told that my account was closed by their employee. They then verified all of my account info and I found that they had an address on file that I had not provided to them. It was a PO Box and I didn't have a PO Box . I was transferred to several people and I was finally sent to someone that stated that she would fix this problem. I even agreed to pay the annual fee immediately and she said that was fine and they would work on taking off the two late payments from my credit report. I thought it was all fixed. They got my correct address and they sent me a new card. She said that I should see the correction on my credit report after 30 days. I checked in 30 days, no correction. I gave them the benefit of the doubt and waited an additional 30 days. That time has passed and I called yesterday to speak to someone at Best Buy Citibank. The first representative told me that I needed to call the Credit Bureaus as they were the ones that indicated there were late payments, not them. So I called the Credit Bureaus and they said, " no, it would need to be done by the credit card company. '' So, I called the credit card company back and spoke to a different representative. He tells me that there is nothing that can be done at this point and I was just stuck with this on my credit. I explained again that I had not provided that address and I was NEVER informed that my credit card was even open. Instead, I was told the exact opposite. I was told by an employee of the store that held this card, that my account was closed. I had no reason to think that I had any kind of annual fee as the card was closed, per the actual employee. The representative again stated that he couldn't help me, so I requested to speak to a supervisor. He told me that there was no one I could talk to. I ask him if he had a supervisor and he said no. I am a supervisor at the SC Department of Labor, Licensing and Regulation and I know that everyone has a boss. It took me a while before he finally transferred me to someone else. I'm still not sure if she was a supervisor and if she is, and she is the best they have at Citibank, I feel bad for all consumers that have this card. I explained the situation and I asked how this could have happened. How could all my hard work improving my credit be thrown away because of something they did? She explained that the miscommunication occurred at the store level. She told me that my account had been flagged at the end of XXXX when mail came back to them as " unable to be delivered. '' She stated that they do this so that when a customer goes into a store and attempt to use their card, the account is flagged and the employee is instructed to call the credit card company and they are able to make the necessary corrections in the system. She stated that that is the only way they can contact consumers who have incorrect addresses. I told her that obviously didn't happen in my case and instead I was told that my account was closed. I then asked her about the address that they had sent the mail to that was sent back to them. I explained to her that the address wasn't mine and I had never requested that they change my address. I then asked her to please look through my records and let me know the date that I had requested that change. She stated that she couldn't find anything. She then went on to say that she " assumed '' that I opened my account with this address. I assured her that I had not opened it with that address. I asked her what city the PO Box was located in and she said XXXX, SC. I explained that I had lived in XXXX, SC until XXXX, so it made no sense that I would have opened an account in XXXX, SC. I then explained that I have never lived in XXXX so why would I have a PO Box there. I asked her to please look back and see where my purchases had been made seven years ago and she said she couldn't see that. I asked to her to look at my application when I initially applied for the card, and she said she couldn't do that either. Now, as a supervisor, I understand that consumers have rights. How can a company report something to a credit bureau and not be required to maintain proper records? There was no way for her, according to her, to explain how this PO Box was added to my account except to call me a liar and tell me that I had opened this account with that PO Box . This is absolutely unacceptable. I also do not understand how I am being punished by a mistake made on their end. My credit is ruined and I can do nothing about it. If anyone looks at my credit, they will see nothing but on time payments, except for this. This annual fee for a credit card that I was told was closed. An annual fee from a company that could not provide me with any information as it pertained to how an address was added to my account without me adding it. I hope that someone will look into these business practices. For our agency, if it's not documented, then it didn't happen. How can they not be required to maintain my records but they can report things to the credit bureau that will stay there for at least seven years. Is there no time requirement for maintaining consumer records? I hope that someone is able to assist me with this matter. I am available any time for anyone to contact me should they need any additional information. I appreciate your time and effort.
|
| 12/27/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Re : Case Number : XXXX XXXX XXXX XXXX XXXX, OH XX/XX/XXXX To Those It May Concern : I would first like to begin by denying any and all responsibility and/or liability for this debt. It has been disputed, both formally and informally, a number of times, each of which adequate recognition of our predicament having been denied. The original reasons for the alleged charges of credit in the amount of {$540.00} through Citibank NA XXXX XXXX XXXX XXXX, was insisted upon without my knowing of the full consequence, and was presented to me in a fashion where I was unaware of the materials costs or limitations of said services, and took unnecessary advantage of my lack of understanding of critical terms. In the contents of this letter, I will insist upon and demonstrate, that Citibank NA Best Buy, and, collection efforts since then, have violated the Unfair Deceptive, and Abusive Acts and Practices Act ( UDAAP ).
It began when we had an issue with our home personal computer. We brought the computer in-store to Best Buy, where their computer repair service, the XXXX XXXX, conducts their computer repair services.
When we brought in the computer, they insisted on charging us a fee that was not necessarily a charge for services rendered, but behaved more like a membership fee. As the clerk described it, since most repairs have to come back again and again for repairs, its best that we have a longer set of service that will take care of all repairs so that you dont have to pay for more repairs in the future on the same item. This made sense to me at the time, though I reluctantly agreed to the three year contract for nearly {$300.00}. This is my first example of UDAAP, as mentioned above, as this charge was unfairly sold to me with the guarantee that I would not have to pay for future repairs.
After leaving my computer with XXXX XXXX at Best Buy, within a day or two they were able to provide a diagnosis. The computer needed a new hard drive. Unfortunately though, the services that I paid for did not cover parts, just the labor. So I was forced to buy a new hard drive. This was a {$40.00} purchase. The new hard drivXXXX was left overnight with XXXX XXXX in Best Buy so that they could replace the older hard drive in our personal computer.
Within another day or two, we received a call from the XXXX XXXX in Best Buy that the hard drive was not the reason for the malfunction, but that it was something else. When I went into the store, to talk to a representative about it, they asserted that the malfunction was not from the hard drive, as originally alleged, but from the motherboard of the personal computer. They were gracious to give me a full refund on the unused hard drive that I purchased. However, a new motherboard for the personal computer was much more expensive, and, at the advice of the XXXX XXXX representative, was not worth the repair of the older personal computer, therefore, not justifying the cost for repairs. It was recommended by XXXX XXXX staff to abandon the repair of the personal computer and to buy a brand new one, owing to the fact that the motherboard of the older computer would cost significantly more than the computer was currently worth. Since I was instructed by the company to abandon the repairs of the personal computer, and to purchase a brand new one, I requested a full refund of the now unneeded three year repair membership that was just abusively sold to me, as there would not likely be repair needs to a brand new personal computer.
This is where I make my second reference to the violation of UDAAP regulations. Since there were no repairs done to my computer and the purchases or extension of credit through the Citibank NA Best Buy credit card, there was no reason to continue to charge me the balance of the fee. When I addressed this with the representative, I was denied any refund despite insisting upon one. This was clearly deceptive. I was unaware of the material costs or limitations of the services rendered, and essentially I paid in excess of {$300.00} against my credit card for a diagnosis of the problem.
This introduces my final reference to UDAAP regulations, this practice was abusive. I assert that I was unreasonably taken advantage of to my lack of understanding of the risks, cost, and conditions ; my inability to protect my own interests in the matter ; and the impression that its alright for the consumer to rely on the company to act in my best interest. I was charged an unfair amount, deceived about the repairs that would be conducted on my personal computer, or lack thereof, and abused because I was unaware and forced to sign up for a lengthy membership when the computer that I brought in for repairs was not, in fact, repaired.
Any previous charges on the credit card were paid, however, the disputed charge from XXXX XXXX for the lack of services rendered, I left unpaid. This I disputed with the clerk at XXXX XXXX and I disputed with their Manger on duty. Both told me that they refused to provide a refund because it doesnt work like that. I then disputed it with the Best Buy Store Manager, who offered to reduce the unfair charges by a measly {$100.00}, but that still meant there were greater than {$200.00} worth of unfair, deceptive, and abusive charges still being held against me. I was told take it or leave it, but we wont do anything else. I reluctantly accepted it and immediately went home to dispute it formally with XXXX XXXX XXXX XXXX Customer Service.
I filed a dispute claim, contesting the unfair, deceptive, and abusive fees with the XXXX XXXX XXXX XXXX Customer Service, as well as management in that call center. All of which told me the same thing. That our dispute towards the fees didnt matter and no one would hear my plea as to how the XXXX XXXX treated me with such an unfair, deceptive, and abusive acts and practices, in which I was taken advantage of by being duped into committing to a membership of repairs for which I did not require and for no services rendered. Essentially, I was taken advantage of in order to obtain money without the exchange of services and at an unfair amount.
Since no one would honor our dispute of the unfair, deceptive, and abusive charges, I no longer do business with Best Buy, and ignored collection attempts, continuing to dispute the balance. Since then, there have been additional credit fees and interest associated with the account that nearly equal the original charges themselves.
I continue to deny any and all responsibility and/or liability for this account under protection of Unfair, Deceptive, and Abusive Acts & Practices Act ( UDAAP ), as explained above.
Sincerely, XXXX XXXX
|
| 10/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I previously attempted to notify CITI via the CFPB of various violations and errors of federal and state statutes, the cardmember agreement, and the MasterCard Dispute Resolution Guide. The vast majority of the complaints and issues brought forth were ignored, however, as were all of the supporting documents I provided. To prevent this from occurring again, I will break the complaints up into smaller sections so as they can be individually addressed instead of being ignored.
Recently the XXXX actions were based on CITIs unsafe or unsound banking practices and for its long-standing failure to establish effective risk management and data governance programs and internal controls. This failure also resulted in a violation of 12 CFR Part 30, Appendix D, OCC Guidelines Establishing Heightened Standards for Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches. The agency also issued a cease and desist order requiring the bank to take broad and comprehensive corrective actions to improve risk management, data governance, and internal controls.
Additionally, since the year XXXX total penalties assessed to Citi are {>= $1,000,000} based on 120 recorded violations. This history of violations has become very well known and may explain why the vast majority of my complaints and issues raised for the most part are ignored and lack adequate responses or correction action which CITI is legally obligated to.
Additionally, you should already be aware I am covered under the Military Lending Act, which provides additional consumer protections to me while placing additional legal requirements upon CITI. This includes additional notices and documents CITI must provide, as well as the additional timeline which CITI must abide.
As previously mentioned, XXXX or the Fair Credit Billing Act ( FCBA ) protects consumers from unfair or prejudicial billing practices. This federal law allows credit cardholders a method to dispute incorrect credit card billings. If one follows the correct procedure, the cardholder can dispute the charges and temporarily withhold payments on the disputed amount without affecting ones credit score. Per FCBA, I initiated and notified Citi of multiple billing errors in XXXX. The FCBA also states Citi must acknowledge my complaints, in writing, within 30 days after receiving it. The dispute must be resolved within two billing cycles. If a billing error occurred as notified, Citi is required to explain in writing the corrections that will be made. In addition to crediting my account, Citi must remove all finance charges, late fees, or other charges related to the error. If Citis investigation determines the bill is correct, I must be told promptly notified how much I owe, why, and provide the relevant investigation documents.
After being notified of several billing disputes CITI has routinely failed to investigate or provide the required notifications in writing as required by FCBA regulations. I am currently signed up for paperless documents through Citi online, where all my statements, notices, and documents are sent. I have made multiple calls to Citi, notifying them I am not receiving any documents as required. Most recently, on XX/XX/XXXX I spent several hours on the phone with several CITI agents, including the IT department. Your IT department verified, while I was signed up and enrolled for paperless documents I was not receiving any notices or documents at all. I made this known on at least a dozen prior conversations, as well as in multiple CFPB complaints and notices of billing disputes submitted in writing. While CITI is fully aware of this issue CITI has failed to adequately address or correct this repeated violation. This only continues to add to the growing list of FCBA violations.
CITI also routinely fails to properly review provided documents regarding billing disputes or investigate these disputes as required. More often than not, CITIs claims and responses are further examples of their unfair, deceptive, or abusive acts ( UDAAP ). UDAAPs are illegal, according to the Dodd-Frank Wall Street Reform and Consumer Protection Act. While the examples are extensive some of the more flagrant deceptive statements made by CITI are as follows : We are unable to assist you with your dispute since you accepted and used these services with the knowledge they were not what you originally agreed upon. Please contact the merchant if you wish to pursue this matter further.
Under FCBPA federal statutes Citi is obligated to adequately process and follow any billing errors or disputes you are notified of. Your suggestion that because I accepted and used the services has no bearing on my rights to dispute this charge. The requirements to dispute a charge as outlined in the MasterCard Dispute Resolution Guide include the following : The merchant did not honor the terms and conditions of the contract with the cardholder including, but not limited to, 100 percent money-back guarantee, written promises, or return policy.
We needed a copy of the receipt, invoice or sales slip that shows you should have been billed a different amount. Any further attempts to resolve this dispute will need to be directed to the merchant or another form of resolution.
Statements such as these are extremely deceptive when CITI was already in receipt of extensive documentation including my original reservation, terms of service agreed to with the merchant, photographic evidence, etc. The required supporting documentation required according to the MasterCard Dispute Resolution Agreement is : Cardholder email, letter, message, or completed Dispute Resolution Form Cardholder Dispute Chargeback ( Form XXXX ) describing the cardholder 's complaint in sufficient detail to enable all parties to understand the dispute.
When the cardholder is a corporate entity with a contractual relationship with the merchant and the transaction is for an amount over what is specified in the contract, the contract must be provided when the merchant wasn't contacted to resolve the dispute.
Optionally, documentation from an expert or professional that supports the cardholder 's dispute about the level of quality or misrepresentation.
Optionally, documentation that supports the cardholder 's dispute including, but not limited to, the original receipt, invoice, work order, brochure, contract, or appraisal.
Citis deceptive and abusive statements and actions, refusal to comply with contractual obligations, and FCBA, MLA, and UDAAP violations have amounted to improperly handled billing disputes totaling {$4400.00} in XXXX alone charged to my account.
|
| 08/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dear CFPB, Citi Bank 's executiveoffice is a mecca of white collar criminals. I urge you to investigate Citi Bank 's executive office, I am sure you will find things that younever expected.
The biggest problem here is that the crooked staff members at Citi Bank'sexecutive office knows that CFPB does not investigate individual customer complaints, and CitiBank is aware that CFPB would never even read individual customer complaints, so Citi Bank takes this opportunity to manipulate and misrepresent customer complaints to their own advantage.
CFPB complaint XXXX : CitiBank attachedan IRRELEVANTpre formatted letter as a response. Citi Bank has intentionally done so to avoid the content of the complaint.I asked for a manager call back but that never took place.
CFPB complaint Numbers : Case # XXXX Case # XXXX Case # XXXX. The crooked executive office of CitiBank has attached one single pdf as a response to all the threecases. The content of the PDF response also happens to be misleading and contradictory to what the citi 's executive team member told me over the phone.
COMPLAINT AGAINST CITI BANK 'S FEMALE EXECUTIVE TEAM MEMBER Citi bank 's executive office people are equally crooked as their call center operators, and that is what the bigger problem is here. CitiBank 's crooked female executive operator has emailed me a single PDF response regarding CFPB complaint numbers Case # XXXX Case # XXXX Case # XXXX The content of the PDF response is misleading and contradictory to what the citi 's executive team member told me over the phone. Citi Bank 's executive team member knew that the info provided to me by their call center operators were wrong and misleading, she knows it... however it is her job to cover up those call center operators because otherwise it goes against Citi 's image so she had to say, everything is and was fine and follows citi 's policies. I am not XXXX, Citi! The exec 's email pdf response contradicts what she told me over the phone. Citi 's female executive operator is herself lost fabricating stories to cover up the call center operators. Needless to say, some concerns were not even addressed at all in the PDF response I received from Citi.
On XX/XX/2022 I reported to the crooked Citi executive office about a suspicious phone call which came from a CitiBank branch on XXXX. A female staff member from Citi executive office called me regarding my report, when I was on another phone call. I asked that executive XXXX to call me back at a later time to which that XXXX responded she can not call me again. This is the real XXXXXXXX XXXX standards of Citi Bank. To this date I could not and did not get an explanation as to why I received that fraudulent phone call, what steps Citi took regarding that fraudulent phone call. CONTENT OF THE COMPLAINT : Debit card no. XXXX XXXX XXXX XXXX XX/XX/2022 I received a phone call from Citi Bank 's branch representative XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX. She said on the phone that Citi Bank 's back office has been unable to verify my ID and SSN. She asked me to come to the bank the following day with my ID and SSN. Make no mistake, my checking account was opened in the XXXX XXXX branch approximately 4-6 months ago, at the time I physically visited the branch to open a checking account and I carried all original documents with me and XXXX XXXX opened my account. Does that mean CitiBank opened my checking account without verifying my ID and SSN? Out of nowhere 4-6 months later, the bank says ID could not be verified. Is this even believable and reasonable? I don't think so ... and if this is true then I must say Citi Bank has failed to conform to its legal requirements of verifying customer ID before account opening. It does not look like I am dealing with a bank, it feels like I am dealing with a local taco stand on the sidewalk. I lodged a complaint against XXXX XXXX during the time ( 4 to 6 months ago approx ) because she provided me with wrong information. Months later, I believe this to be nothing but a clear attempt by XXXX XXXX and her manager XXXX to harass me in a way of retaliation. I had to verify if this back office drama is actually real or just a drama. On XX/XX/2022 I called Citi Bank 's executive office numerous times but their intake team refused to let me speak to an analyst. I was far away from XXXX XXXX. So I visited another nearby CitiBank branch to confirm the validity of this back office drama. The branch is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The female teller said the manager is not present because the manager is managing another branch. The teller said only a female banker is present. However I was told that the banker would not be able to talk to me because she is due for her lunch. I told her I would not take more than 5 minutes but her response was negative. She said the banker has to go for lunch at the exact stated time because that's the bank 's policy. I called the XXXX XXXX branch but the branch manager XXXX did not take my call. I don't know who is playing what game here but I know for a fact that I can not trust your bank any more. So on XX/XX/2022 I finally called your regular customer service line and asked the operator to close my checking account. Not so surprisingly, the phone operator also advised that he can not see any notes anywhere in my account that states my ID and SSN has come up invalid in the bank 's system.
Credit Card application XXXX Bank male executive officer called me and told me that they can workout the address issue and can verify by other means. That never occurred. I wrote a letter to XXXX XXXX following which a rogue female CitiBank executive XXXX called me and told me to forget what the previous exec has told me and that her decision is final.
Citi Executive office staff members are all crooked and miserable pieces of XXXX. The worst thing the XXXX at Citi Bank can do to me is close all my accounts, that is all these XXXX XXXX at Citi can do, and I would not have any problem whatsoever if these XXXX at Citi decide to do so.I am a hundredpercent certain Citi executive officeXXXX would not respond appropriately to this complaint either like they have done before at all times.Therefore as promised in my earliercomplaint, I would continue to lodge a complaintvia CFPB every week until Citi appropriately responds without any XXXX. By the way Citi, I only use profanity when I am talking to XXXX and XXXX.
Dear CFPB, Citi Bank 's executiveoffice is a mecca of white collar criminals. I urge you to investigate Citi Bank 's executive office, I am sure you will find things that younever expected.
|
| 02/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am writing regarding the problems I am having with Citibank. They are failing to send me dispute documentation with the merchant 's response. They have issued permanent credits with no additional documentation required, but then have paid merchants on certain transactions as well. Then, they have coded certain disputes as misrepresented. They have failed to send me a proper list of the disputes they claim were misrepresented, so this is leaving me no other choice than to start filing reports with the CFPB on individual disputes, although I am attempting to combine certain ones that have a specific merchant in common are brevities sake.
This is regarding three disputes with XXXX XXXX XXXX that range from XX/XX/XXXX to XX/XX/XXXX : XXXX : XXXX purchase date, dispute date XXXX, disputed amount {$8.00} XXXX : XXXX purchase date, XXXX dispute date, disputed amount {$8.00} XXXX : XXXX purchase date, XXXX dispute date, disputed amount {$6.00} I dont have the exact details at this point what was purchased, but I can give you two choices : it was either a sausage, egg, and cheese biscuit combo with hash browns and an orange juice ( most likely for XXXX ) or a chicken sandwich combo ( number 1 ) with waffle fries and an iced tea ( most likely large-sized ).
Back in XXXX, I filed a XXXX report against XXXX XXXX XXXX for failing to properly replace menu items when they were made incorrectly or utterly rotten and their failure to issue proper refunds. For example, on the XXXX transaction, the sausage, egg, and cheese biscuit was hard as a rock and was dried out. The hash browns were either overcooked or undercooked. They should have issued a full refund or should have replaced the menu items pound per pound, but they didnt. They sent a free coupon for either a plain breakfast sandwich ( no sausage or cheese ) or a really cheap chicken sandwich and didnt replace the hash browns. I complained to the owners wife, XXXX and their area marketing manager. They both gave the excuse that they were on digital coupons and couldnt process the returns nor could they replace the actual meal that was purchased. I told XXXX and the area marketing manager that failure to replace the items equated to false advertising, and a customer shouldnt have to pay for the food if it isnt made correctly or if it isnt properly replaced. XXXX stated she agreed but she had no control over how refunds were processed or how gift vouchers were sent to customers, because their corporate office was in control of it. I told XXXX I planned on disputing purchases that were not made correctly due to how they were handling the transactions, and XXXX said she would address the disputes when they came in, meaning refunds would be processed this way. I also swore off their store for awhile and purchased their products where I worked : a college campus.
To date, I have not heard back from Citibank regarding how these disputes were processed. I have asked for all the dispute paperwork as well as the merchants response to the disputes. I was issued permanent credits with no additional documentation required. Citibank never followed up with me if a merchant stated they disagreed with the dispute. I was told by Citibank 's executive office, specifically XXXX, that Citibank had been issuing me credits, but Citibank was also paying the merchants on some transactions. Then, they stated they were just charging off the amount on their P & L sheets and then marking the dispute ( s ) as misrepresented. Apparently this is some proprietary practice of Citibanks which is utterly laughable ( response to CFPB complaint ) and categorically lazy. And, to date, Citibank has failed to elucidate all the disputes that were coded this way. I have attempted to obtain clarification from Citibank 's billing disputes department over the phone, and different reps give different answers. One recently, XXXX, insisted Citibank would never pay out twice. I asked to speak to her supervisor. She placed me on hold for nearly 30 minutes. I finally terminated the call and wrote another complaint to the CFPB. I have a recording of the call on my smart phone. I would suggest Citibank pull the call records for my account for XXXX around XXXX XXXX. I called from my home phone. It is listed in one of the attachments. I am tired of wasting my time over the phone. In my opinion, Citibank is deliberately wasting my time and refusing to cooperate to resolve these matters.
Recently, I filed another XXXX against XXXX XXXX XXXX. A manager, from the store recently got back with me. She told me XXXX XXXX XXXX only recently changed their policy on refunds. I only know this because I had another recent problem that they had to refund. So, between the problems with Citibank and XXXX XXXX XXXX again, I was able to kill two birds with one stone. XXXX further said the digitized coupons caused such a problem ( read all their XXXX complaints, please ) that corporate office has been working on making vouchers to replace the specific meals, but they still havent gotten them all out yet. I explained to her the problems I have had over the last two years, needing to file disputes due to their lack of in-store refunds and because of failing to award proper gift certificates to replace meals. I also told her I had spoke to XXXX ( the owner 's wife ) in the past, told her I planned on disputing items due to how they were handling the complaints, and that XXXX had stated she would handle the disputes when they came in to the store, meaning refunds would be processed this way. I also told her I had filed a prior XXXX report, but all of this is in the attached report except for their recent response ; they plan on giving a written explanation in the next few days. I'll happily provide their response to the XXXX as well if Citibank needs it for their records.
But, Citibank can verify with the store that these should have been properly refunded through the dispute process. Citibank can verify through the XXXX report page that I filed a complaint back in XXXX. I am attaching the recent XXXX report, the original XXXX report, and screen prints of the dispute summary on all three disputes. The merchant better not have been paid on these transactions and these better not have been coded as misrepresented. If they were, it is going to earn XXXX XXXX XXXX an attorneys general report for false advertising and failure to issue proper refunds. The fur will fly...
I have attached the following documents : Both XXXX complaints, the e-mail recently sent to billing disputes with the executive office cc 'd, and screen prints of the dispute summaries.
|
| 07/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
My Citibank Mastercard ( " Citi '' ) payments are due on the XXXX of each month. I have been a cardholder since XXXX and my account was always in good standing.
In XXXX XXXX, when making an online payment, I accidentally added an extra XXXX to the payment amount i.e., I typed {$1900.00} instead of {$190.00}. I realized my mistake within 24 hours and immediately contacted Citi customer service in a panic. Customer service assured me there was no problem reversing the payment and returning the {$1900.00}. I reached out to my bank as well, and the payment was flagged as having been made in error. Citi requested that I wait a few days for everything to process. Within the week, Citi returned the {$1900.00} to me.
Shortly thereafter, I received a notice from Citi that my credit limit was reduced from {$3000.00} to {$2000.00}. This reduction immediately put my account over the limit as I was already carrying a balance in excess of {$2000.00} at the time. Citi further demanded I pay $ XXXX to bring my account under the limit.
On XX/XX/XXXX, I received an email from Citi advising that my recent payment was returned as " unpaid. '' On XX/XX/XXXX, I logged into my Citi account to make a payment and discovered that Citi blocked my checking account and I was unable to use it to make online payments. I immediately contacted Citi by telephone and questioned the reduction in credit limit, and the reason for blocking my bank account. Customer service acknowledged that my account clearly noted the error made in XXXX regarding the {$1900.00} payment, however, Citi 's " computers '' interpreted that error as being a " bounced '' payment. The representative offered to take my payment over the phone until my credit limit was corrected and my bank account unblocked. I was reassured that this would be fixed in the very near future and no penalties would be assessed.
On XX/XX/XXXX, having not received any communication from Citi, I reached out via chat and was advised that I needed to speak with someone via telephone at the " manager 's desk. '' The gentlemen from the manager 's desk confirmed that my checking account was still blocked. He further advised that my interest rate had been increased to a " penalty rate '' because of XXXX XXXX payment mistake. He acknowledged that my account clearly noted the payment error and that there was no " returned payment. '' The rep. refunded the penalty interest that had been charged to date, and adjusted my interest rate to what it was prior to XXXX XXXX. I was further advised that, going forward, I should subtract {$1000.00} from the minimum amount due until the credit limit reduction could be corrected.
My bank account was unblocked as of XX/XX/XXXX, when I logged in to make a payment. On XX/XX/XXXX, I received an email advising that my payment was late. I contacted customer service by telephone and was told the routing number on my bank account was off by one digit and, therefore, XX/XX/XXXX 's payment was unsuccessful. The representative took my payment over the telephone, noted the error, and promised there would be no late fee. I inquired regarding the correction to my credit limit and was told the request was submitted and I would receive something in writing in the mail. I was told, for the time being, to subtract the {$1000.00} " over the limit '' amount from the minimum payment due each month. ( To date, nothing has been received and my credit limit remains at {$2000.00} - over the existing balance. ) On XX/XX/XXXX, I made an online payment of {$15.00}.
On XX/XX/XXXX, I made another online payment of {$50.00}.
On XX/XX/XXXX, I received a late payment notice via email. I contacted customer service by phone and was told to disregard the email, that it had " crossed '' with my payment and that my payment was indeed received on time. I again questioned the status of the credit limit correction and I was told the request would be re-submitted and I would receive notice in the mail. ( I have received no response. ) On XX/XX/XXXX, when I logged into my account to make a payment I noticed a late fee was assessed on XX/XX/XXXX. I contacted customer service and spoke with XXXX. I spent over 30 min. on the phone with XXXX. She quoted me three different amounts as being due on XX/XX/XXXX : {$6.00}, {$82.00}, and {$110.00}. XXXX further stated my account was " over the limit '' and that I had late fees assessed in XXXX and XXXX, despite previously being advised there would be no such fees. I requested that XXXX review the notes on my account and I requested she refund those fees. I was told she had to " follow policy '' and I had to speak with a supervisor. I was put on hold. XXXX returned to the line to say that no supervisor was available. I requested to hold, but my request was denied. XXXX advised that I could call back, or I could wait for a supervisor to return my call within two business days. I ended the call with XXXX and called back to customer service. This time, I was told a supervisor would return my call within two hours. As of this date, no one has called.
On XX/XX/XXXX, I contacted customer service again by telephone. This time, I was told there were three {$35.00} fees assessed to my account for being ( 1 ) over the limit and, ( 2 ) late on payments. I was advised that I was in the " queue '' for a call back from an account manager. As of the date of this writing, no one has returned any of my requests to speak with a supervisor.
It is clear that Citi has no intention of correcting the errors made in XXXX. My payments are due on the XXXX of each month. They have been made on time each month as follows : XX/XX/XXXX : {$85.00} paid ; XX/XX/XXXX : {$75.00} paid ; XX/XX/XXXX : {$50.00} paid ; XX/XX/XXXX : {$50.00} paid ; XX/XX/XXXX : {$15.00} paid ; XX/XX/XXXX : {$50.00} paid ; XX/XX/XXXX : {$110.00} paid.
Despite these payments, Citi continues to charge late fees to my account. Further, according to XXXX, I'm being penalized for being over the limit when my credit limit was reduced in XXXX to an amount below the existing balance.
I can not get off this hamster wheel. I did everything possible to immediately correct the simple error I made in XXXX when I added an extra XXXX to my online payment. Despite repeated assurances that there was " no problem, '' Citi has taken full advantage of my error by assessing improper fees and penalties, but then promising there would be no such fees. I've also been promised several times that everything would be corrected. Several times I have been told I would receive follow up communication from Citi - to date, there has been none.
|
| 10/16/2018 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Can't close your account
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Web |
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My husband and I were trying to get a new mortgage through Citibank. As a part of the mortgage process, they offered us a discount on the interest rate if we would open a Citibank account and deposit funds prior to the close of escrow. There are no Citibank locations in Oregon or Washington, so I opened an account online around XX/XX/2018. CitiMortgage initially told us that the account had to contain {$50000.00}, so on XX/XX/2018 we wired in {$50000.00}. Citibank then charged us a {$15.00} fee for an incoming wire transfer, so the balance was now under the {$50000.00} they had requested, and insisted we add additional funds. On XX/XX/2018 we wired in {$100.00} to cover the first {$15.00} fee as well as another {$15.00} fee for this incoming wire transfer.
On the day we were to close escrow, we were told by CitiMortgage that we had not fulfilled the banking requirement, and that the Citibank account had to contain over {$200000.00} to qualify for the rate they had quoted. So, on XX/XX/2018, we wired in {$150000.00} in order to cover yet another {$15.00} incoming wire fee, and to make sure we were over the {$200000.00} threshold. The escrow closed, and everything seemed ok.
On XX/XX/2018 I tried to create an online sign-on for the Citibank account in order to set up a transfer of the funds back to our investment account at another firm. I was not able to sign up for an online account because Citibank had not provided me with a PIN number for the ATM card that they had sent to me upon establishing the account. So at this point, I called Citibank. I was told that since the account had been set up for less than 30 days that they could not reset the PIN number over the phone, but that they could send me a new PIN via XXXX and it would take 3 days. My husband and I were leaving the country on XXXX XXXX, 2018 for vacation, so I thought we should be able to take care of this prior to leaving the country. Our flight out was XXXX on XX/XX/2018. At that time, we still had not received the XXXX from Citibank.
We returned from overseas on the afternoon of XX/XX/2018. The XXXX had arrived sometime while we were gone, so I used the PIN number and signed on to XXXX and set up the online account. This is when I found out that since the account was a savings account, the most I could wire out per day was {$50000.00} and it would cost {$25.00} per wire. Since the total account balance was {$200000.00} ( including interest ), this would take 5 different wires/5 days and {$120.00} in fees. In addition, since this was a savings account, I could not set up a " bill payment '' check to be sent to my other financial institution. Running out of options quickly, I called Citibank. After running through all the scenarios with the agent, and not getting any resolution, I asked him to just close out the account and mail a check to us to the address on the account ( the same address that I set up the account with, and the same address that they sent my PIN to via XXXX ). He said he had closed out the account, and it would take 10 business days to receive the check. So I waited.
10 business days would have been XX/XX/2018, but I threw in an extra day due to XXXX XXXX. So I waited for the mail on XX/XX/2018, and still no check. I called Citibank. I was told that no check had been sent out. I was on the phone with them for 45 minutes just to find out that the New Accounts Fraud Division had flagged the account and no check went out. I NEVER RECEIVED ANY PHONE CALL, LETTER, EMAIL OR TEXT NOTIFYING ME OF THIS. AND ALL OF THESE AVENUES OF COMMUNICATIONS ARE ON FILE BECAUSE I HAD TO ENTER THEM IN ORDER TO ESTABLISH THE ACCOUNT IN THE FIRST PLACE.
I asked them 1. Why the account was flagged. 2. Why I was never notified of the flag. and 3. Who do I talk to to get this resolved. I was told that absolutely NO ONE there could help me at that time, and that I would have to call back the following day to talk to New Accounts Fraud Prevention.
So, the following day ( XX/XX/2018 ) I called the number the agent had given me of ( XXXX ) XXXX. I was told to select option 2, then option 1. I called, and had to explain the whole situation to the agent, who then transferred me. I again had to explain the whole situation to another agent who put me on hold. I was on the phone for over about an hour when they disconnected me. I called back, again having to go through the whole situation with not 1, but 3 different agents. After another 45 minutes, I finally spoke with XXXX in the Fraud Division. XXXX said that since the account was opened online, and wire fraud can be an issue, the Fraud Division had flagged it. I was still not given any explanation as to why I wasn't notified of the flag, or that my account wasn't being closed as per my request. I explained to her that I couldn't open it in a branch because WE DONT HAVE ANY IN OREGON! At this point she said what she could do is have 2 of the wires reversed ( the one for {$50000.00} and the one for {$150000.00} ) they would send the remaining funds to me via a check. She said this would take 24 to 48 hours to complete. Our phone call was at XXXX XXXX on XX/XX/2018, so 48 hours would be the morning of XX/XX/2018. At XXXX XXXX, my financial institution had not received to wire reversal, so I called back to Citibank. I spoke with XXXX in the Fraud Division, and had to go through the entire story again. She told me that the wires had not been reversed. She obtained the file notes from XXXX, and told me that she would " escalate '' the matter to her supervisor. Obviously, this was not satisfactory. Pressing her on the matter, I was told that they need another 24 hours, and asked " Would you please allow us another 24 hours? ". I really have no choice at this point. So here we are, the next day, and the wires still have not been reversed.
I did ask Grace specifically, " If I flew to another state, and walked into a Citibank branch, would they cut me a check if I requested to close my account? '' XXXX said NO! That a Citibank branch would not cut me a check to close the account.
SO, CITIBANK WILL NOT MAIL ME A CHECK FOR MY FUNDS, THEY WILL NOT WIRE OUT THE FUNDS, AND I CAN NOT PICK UP A CHECK IN A BRANCH. THEY HAVE OVER {$200000.00} OF OUR MONEY, AND EACH DAY THEY HAVE IT, WE ARE BEING CHARGED MARGIN INTEREST. THIS MONEY WAS " REQUIRED '' TO ESTABLISH A GOOD FAITH BANKING RELATIONSHIP TO RECEIVE A DISCOUNT ON INTEREST, BUT THIS IS NOT A GOOD FAITH BANKING RELATIONSHIP! THESE ARE ANFAIR BANKING PRACTICES! WE WANT OUR MONEY BACK AND TO CLOSE OUT THIS ACCOUNT, BUT CITIBANK HAS MADE IT IMPOSSIBLE. PLEASE HELP!
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This complaint is in reference to inaccurate reporting on my credit report from MACYS/CBNA. Violation of FCRA 1681s- ( 2 ) ( 5 ). The last four of account isXXXX.
This account was originally opened on XX/XX/XXXX. However, on my current credit report there is no payment history from XXXX at all. I have repeatedly told Macy 's and all three credit reporting bureaus that this account and trade line is inaccurate.
I have since requested statements and bills from Macy 's for all payments in XXXX and for the entire account history. Macy 's and Citibank are unable to furnish any information to me on this account because of the " age of this account ''. There are NO RECORDS that exist to date for this account. This account should not be on my credit report if the creditor can not verify/validate or provide copies of account information when asked.
I was also informed by Macy 's that legally they can not collect any money on this account " due to the statue of limitations ''. Therefore, it is a violation of the law for this account to be reported on my credit report. Macy 's specifically told me that their credit/collections department is " in house only, therefore the account will not be reported on my credit report ''.
1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide " accurate information '' ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Macy 's intentionally " failed '' to report any credit activity from XXXX, to illegally extend the negative reporting on my credit report. I have asked for statements to validate the last payment made on this account and Macy 's could not furnish this information. This is a violation of the Fair Credit Reporting Act. Due to Macy 's unlawful actions, I have been denied for credit for the past 7 years. I most recently received a denial to refinance my auto loan in XXXX.
I tried to rectify this account with Macy 's, CBNA, and all three credit reporting bureaus since XXXX. Unfortunately, my attempts have been unsuccessful. Since XXXX, Macy 's has never sent any account information to me after several repeated requests. I have disputed this account several times and the credit bureaus have done " nothing '' to remedy this issue.
1681s2 ( 5 ) Duty to provide notice of delinquency of accounts A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action. Macy 's is in violation of statue 1681s-2 ( 5 ) as well. I did not receive any copies of information furnished to the credit bureaus.
On XX/XX/XXXX, I contacted Citibank 's Profit Loss Department ( instructed by a Macy 's customer service representative ) at XXXX and to date Citibank does not have any record of my name, SSN, or DOB. Macy 's explained to me that Citibank is " their bank '', why is this account on my credit report when Citibank has no record of my account, payment history, or personal information?
Further, I contacted the phone number listed on my credit report for this account and I was directed to another department. I spoke to a customer service representative named XXXX who advised me to call XXXX.
I asked to speak to a supervisor several times. I was told that there was not a supervisor available and Macy 's does not have a legal department. I was not being told the truth.
I have been dealing with inflexible people from Macy 's and Citibank who will not and can not assist me in this matter. The information Macy 's is reporting to the credit bureau with account number ending in XXXX is not accurate this trade line is a violation of the law for the past 7 years.
This has caused emotional and financial damage to my credit history, credit score, and creditworthiness. I have been receiving some of the worst credit card offers and astronomically high interest rates on credit cards and loans. Macy 's has offered NO recourse of action to rectify this problem within the past 7 years.
Error # 2, on my credit report this account is written as a " charge off '', further activity on this account should have ceased when the account status changed to charge off, but it did not.
Error # 3, this account shows {$150.00} past due as of XX/XX/XXXX. Statement in error # 2 and error # 3 contradict each other. Why is this account showing " past due '' activity as if it is an active open account when it is a " charge off account ''?
Error # 4, this account also states that it is " closed '' why is charge off activity still being reported as recently as XX/XX/XXXX, when it was charged of in XX/XX/XXXX?
XX/XX/XXXX is when the collection activity was legally supposed to cease.
Error # 5, shows a credit limit of {$500.00}, then reports that I am over the limit by {$8.00}. Yet, in the credit history there is no factual data SHOWING ON MY CREDIT REPORT when I was actually over my credit limit. Where is the data?
Error # 6, if the credit limit was {$500.00} and the amount remaining is {$150.00}, why did you illegally withhold payment history data from this account? Where is the record of payments being made if money was received on this account?
This is egregious and tortious act committed by Macy 's, Citibank, XXXX, XXXX, and XXXX. I currently have a Macy 's account that is in good standing, in addition to this negative account that is being reported.
To add insult to injury, Macy 's decreased my credit line by {$600.00} when my account was in good standing ( XX/XX/XXXX ) for no reason. Macy 's and Citibank are intentionally violating the FCRA without any regard for it's consumers or their accounts. Therefore, I ask that the CFPB please investigate this matter as soon as possible to bring a fair resolution to this egregious credit situation.
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| 11/24/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved.
Pursuant to 15 USC 1692a ( 6 ), Citigroup Inc d/b/a CitiBank N.A. is a debt collector.
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end consumer credit plan for account ending in XXXX, have been violated by Citigroup Inc d/b/a CitiBank N.A. pursuant to several federal consumer protection laws.
I sent a tender/money order on XX/XX/2021 pursuant to 12 CFR 204.2, U.C.C. 3-601, U.C.C. 3-603, U.C.C. 3-604, U.C.C. 3-311. Citigroup Inc d/b/a CitiBank N.A. did not adjust my account in accordance with the tender sent nor did they send proper notification that they dishonored my tender. In response, on XX/XX/ 2021, I sent a Notice of Default and Opportunity to Cure to CitiBank 's payment center address and a Notice of Default and Opportunity to Cure to CitiBank 's Corporate Headquarters ATTN the XXXX XXXX XXXX, giving them the opportunity to send confirmation that my account/open end credit plan had been adjusted in accordance with the tenders in full settlement of the alleged obligation sent on XXXX XXXX, 2021 or send a Notice of Dishonor to allow me to cure any defects. Citigroup Inc d/b/a CitiBank N.A. failed to do either and continued to attempt to collect the disputed alleged obligation and report to third party reporting agencies while ignoring my dispute.
In their continued attempts to collect the disputed alleged obligation, Citigroup Inc d/b/a CitiBank N.A. repeatedly violated SEVERAL of my federally protected rights as a consumer in every communication with me. In response to the abuse and violations, pursuant to 15 USC 1692c ( c ), I sent a Cease and Desist demand to Citigroup Inc d/b/a CitiBank N.A. on XXXX XXXX, 2021 with three ( 3 ) exhibits containing each violation I found labeled and highlighted, as well as an attached invoice for the violations pursuant to 15 USC 1692k and 15 USC 1681n. In addition, pursuant to 15 USC 1692c ( c ) ( 2 ), I invoked my specified remedy as a consumer, natural person, and the ORIGINAL creditor and demanded the following : 1. Zero out the balance on this account 2. Apply a permanent credit to XXXX XXXX XXXX open end consumer credit plan account ending in XXXX in the amount of {$10000.00} 3. Pay the invoice attached for breach of violations and damage sustained in the attached exhibits. Citigroup Inc d/b/a CitiBank N.A. received the Cease and Desist, exhibits with violations, and invoice, on XX/XX/ 2021, as verified by the XXXX green return receipt returned to me. Still, Citigroup Inc d/b/a CitiBank N.A. has continued to attempt to collect the alleged obligation and report to third party reporting agencies while ignoring my dispute and cease and desist, therefore continuing to violate my federally protected rights.
I decided to give Citigroup Inc d/b/a CitiBank N.A. one more chance in a good faith attempt to obtain satisfactory resolution of a disagreement or problem relative to the transaction from the person honoring the credit card. I sent a Affidavit of Truth on XX/XX/2021 to Citigroup Inc d/b/a CitiBank N.A., with seven ( 7 ) attached exhibits, to give them an opportunity to rebut the statements of truth-in-fact on the alleged debt they are still attempting to collect for the account number ending in XXXX.
Citigroup Inc d/b/a CitiBank N.A. received this Affidavit of Truth on XX/XX/2021 as verified by XXXX Tracking number XXXX XXXX XXXX XXXX XXXX. I am still awaiting the XXXX green return receipt.
The statements of truth-in-fact regarding violations are as followed ( I have attached every supporting document/exhibit listed in this Affidavit of Truth to this complaint ) : 1. Fact, The Affiant is the Genuine Creditor 2. Fact, You are the Debtor 3. Fact, You are a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) 4. Fact, The Affiant sent Exhibit B via Exhibit C to Citi Bank XX/XX/2021 5. Fact, In Exhibit F, You have lowered Affiants credit limit on the account ending in XXXX with no authority to authorize such action in association with Affiants credit card or any account associated with Affiants open end consumer credit plan. Unauthorized use is described in U.S. Code 1602 ( p ) 6. Fact, following the actions stated in line 5, In Exhibit G, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692d ( 1 ) - use of criminal means to harm the reputation of Affiants person.
7. Fact, following the actions stated in line 6, In Exhibit G, You are violating Affiants rights as a consumer pursuant to 15 U.S Code 1681a ( 2 ) ( A ) ( iii ). Affiant was not given the opportunity to opt-out of having this reported information about account ending in XXXX not being reporting on Affiants Consumer Report and File.
8. Fact, following the actions stated in line 6, In Exhibit G, You are Violation Affiants rights as a consumer pursuant to U.S. Code 1681b ( 2 ). Affiant never gave You written instructions to furnish or report the account ending in XXXX to any third party.
9. Fact, In Exhibit A You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692j ( a ) furnishing certain deceptive forms 10. Fact, In the initial correspondence, Exhibit A, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692e ( 11 ) failure to disclose that you are attempting to collect a debt 11. Fact, In Exhibit A and Exhibit F, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692f ( 8 ) using language or symbols on the envelope and in the contents of the communication that indicates you are in the debt collection business 12. Fact, In Exhibit A, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692e ( 2 ) ( A ) the false representation of the character, amount, or legal status of this alleged debt 13. Fact, You have acted in dishonor by not applying my deposit, Exhibit B, defined in 12 CFR 204.2, which violates FDIC regulations 14. Fact, You have acted in dishonor by not honoring Exhibit B, pursuant to Public Law 73-10 and Uniform Commercial Code 3-603 I have been continually violated by Citigroup Inc d/b/a CitiBank N.A. , pursuant to 15 USC 1692 and 15 USC 1681, a total of 10 times regarding the account ending in 8254 in the attached exhibits ( not including repeated violations in the attached exhibits ), and Citigroup Inc d/b/a CitiBank N.A. is civilly and criminally liable for the damages I have sustained as a consumer, natural person, and original creditor of an open-end consumer credit plan for account ending in XXXX.
|
| 06/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American |
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I am the holder of a Citibank mortgage on the XXXX house where I and my family have lived since XXXX. On several occasions in XXXX, Citibank sent me mailings and emails inviting me to apply for a refinance, Now would be a great time to refinance, or words to that effect. As it happened, because the interest rate on my 7-year ARM will adjust in XXXX, I have a keen interest in refinancing my loan at a time when interest rates are low. I therefore responded to the repeated Citibank solicitations and was contacted on the phone last fall by XXXX XXXX, a Citibank loan officer.
In my first conversation with Ms. XXXX and in a subsequent email of XXXX XXXX, XXXX, I described my financial situation to her in detail, telling her that I was semi-retired but continued to earn income as a XXXX XXXX ; my wife and I also have income from rental properties, social security, stock and bond holdings, and a pension. I laid out the sources and amounts of this income and asked Ms. XXXX to review the information and to assess whether I would qualify under the bank 's guidelines for a refinance, because if I didn't qualify, I didn't want to undergo the expense and bother of an application.
On XXXX XXXX, I received an email from Ms. XXXX saying, I have completed the review of this refinance, which I reasonably took to indicate that, assuming I could document what I had told her about my financial situation, the bank 's guidelines would not prevent it from approving my application. At this point I sent in my application and submitted tax returns, bank and brokerage statements, rental contracts for my wife 's and my investment properties, the contract that I have in my capacity as a freelance writer, a profit and loss statement, statements of our total assets, letters verifying my social security and pension payments, and other materials. The documentation regarding my income and assets exactly matched what I had told Ms. XXXX in our very first conversation and in my email of XXXX XXXX.
Around that time, Ms XXXX told me in a phone call that the refinance rate would be 2.67 percent for a ten-year ARM and she urged me to lock it in, which I did. To do this, she said, I needed to pay the application fee of {$1300.00}, and I paid it immediately. If there were any problems based on what I had told Ms. XXXX or regarding the documentation I had submitted, she did not inform me of any, and it was on that basis that I paid that considerable fee.
In XXXX, I received a letter from Citibank and an email from Ms. XXXX informing me that my application had been turned down. However, the notice also said that I qualified for a lower amount, namely {$970000.00}, rather than the original {>= $1,000,000}. I was interested in that as an alternative and had the funds to pay down the mortgage by the required amount, but first I emailed Ms. XXXX to ask if she could tell me why my application had been turned down.
She replied on XXXX XXXX saying, The income we originally had down was much higher than the verified income. I knew this statement to be false, and I asked Ms. XXXX for further explanation. She emailed me the items that, according to the bank, made up my verified income. It accurately included my social security, dividend, pension, and retirement income, but the figure it had down for my base income was {$1700.00} per month, which is ridiculous. In fact and as I fully documented to the bank, in accordance with one XXXX contract alone, I receive a retainer of {$6600.00} per month, an amount that appears to have been entirely excluded from my verified income. Equally surprising to me, the fully documented rental income that my wife and I have steadily received for more than fifteen years on our investment properties was entirely absent from the bank 's verified income. That income is $ XXXX/ month gross, or nearly $ XXXX/ month net. In other words, the bank excluded more than $ XXXX/month of net before tax income that I had told Ms. XXXX about on the phone and in an email and that I had exhaustively documented.
Perhaps the bank excluded my freelance income because I can not prove that it will continue forever into the future, but if that is the case, it is exactly the sort of consideration that Ms. XXXX could and should have taken into account at the very beginning of our encounter, but she did not do that. Nor was there any request from the bank to demonstrate that my freelance income will continue If there had been such a request, the bank would have learned 1 ) that the contract by which I receive my monthly {$6600.00} retainer has been extended indefinitely and 2 ) I have a new contract in the amount of {$75000.00} to be paid out over the next 18 months. Nor did Ms. XXXX or anyone else offer any explanation for the entire exclusion of the rental income that my wife and I receive, and will continue to receive, from our investment properties.
At this point, I wrote to XXXX XXXX, the CEO of Citibank pointing out these facts and asking that the rejection of my application be reconsidered. I did not receive a reply from Ms. XXXX, but soon thereafter Ms. XXXX emailed me to tell me that she had escalated my application for further review. Several weeks after that, I received a letter from Citibank saying that my application had been turned down, with this explanation : Insufficient income for total obligation. This time, however, there was no offer of a refinance at a lower amount. When I asked Ms. XXXX why the alternate offer had been withdrawn, she did not reply. There was no explanation for the exclusion of my freelance and rental incomes.
I wrote again to Ms. XXXX asking for a refund of my application fee. In response, I received a letter from the Citibank legal department turning down my request.
Then, ironically, about the two weeks after I received the notification that my application had been denied, I received an email from Ms. XXXX addressed personally to me : XXXX, it said in large type, Refresh your mortgage. Get more out of your home. Contact me to get started with a mortgage refinance today.
The above sequence of events leads me to believe that Citibank utterly and abysmally failed to negotiate in good faith. The bank actively solicited a refinance application from me, which it then arbitrarily and unreasonably turned down, and this arbitrariness and unreasonableness combined with its demonstrable bad faith renders the application contract void. For these reasons, I am requesting that the application fee be refunded in the full amount of {$1300.00}.
Thank you for your attention to this matter.
|
| 10/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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My checking account was blocked after i made a {$6000.00} withdrawal to purchase a vehicle. I contacted customer service after a XXXX transaction and also a XXXX transaction did not go through. I was informed of the block and that my account was now being handled by citi 's " specialty department '' and i would need to answer a series of questions regarding my business which i did assuming these questions were in regards to 2 ach transfers from the us treasury totaling $ XXXX from grants from the SBA. after i answered the series of questions i was then informed i would need to bring documents to my local branch which included my original sba loan application number, I informed him the money deposited was not from a loan as the sba had declined my loan application but approved and funded me for a $ XXXX and a $ XXXX XXXX, the agent assured me the original sba loan application number showing my name is what i needed to take into the citibank branch. I did so the following Monday XX/XX/21 but all of a sudden when I went in person and the branch manager was now aware of my XXXX, he went to a back office for about 10minutes, then came back and informed me the document i brought including my original sba loan application number, my name, status of loan, and status of grants was not sufficient, even though this is what the customer support agent specifically told me was needed by citibank, and then made some phone calls in my presence and came up with a list of " acceptable documents '' for account verification. the list included several documents like a resellers permit or a dba certificate, etc. that would verify my business, not me or the ach deposits which were in my name not a business name. the list did include an independent contractors agreement so a few days later on XX/XX/21 i emailed 2 of my independent contractors agreements and also an irs letter including my name and XXXX to XXXX, no response. XX/XX/21 I faxed the same documents to the fax number i was given by the XXXX, CA Citibank branch manager at the XXXX XXXX XXXX XXXX XXXX branch XXXX, no response. XX/XX/21 visited the same branch again asked for manager and was told he was busy and wouldnt be able to see me so i left the same documents which i had previously emailed and faxed to citibank with the teller and she informed me she would forward them to the manager when he became available. no response. XX/XX/21 i emailed the same documents to XXXX. response received stating that was the email address to the XXXX branch so they were unable to help me in regards to my US checking account. XX/XX/21 i emailed the same documents to XXXX, address came back as undeliverable. XX/XX/21 emailed same docs to XXXX, no response. XX/XX/21 forwarded docs to XXXX, no response. XX/XX/21 forwarded docs to XXXX, no response. XX/XX/21 visited XXXX CA Citibank branch on XXXX XXXX and was told my account is being handled by " specialty dept '' so the employees at the branch couldn't help me, i was then given the " specialty dept '' 's phone number whic i called and found that it was the fraud line. informed agent of my situation and was told i had been faxing the wrong number and should fax docs to XXXX i also asked to speak to someone else who could explain what was going on with my account and why and was told all he could do is forward a message to the " back office '' and they would return my call within 24-48 hrs i agreed and then faxed docs to the fax number he provided, no response and no call back, i then called SBA to inform them about the ach transfer they deposited to my citibank acct and the way it was being handled by the financial institution and also asked if there were any eligibility concerns regarding the grants i was approved for by them and they told me there were no issues with me regarding the funding. XX/XX/21 faxed a letter to XXXX informing them of my conversation with the SBA, no response. XX/XX/21 called the fraud line informing them that i was recording the conversation, explained my situation and that no one has ever acknowledged or responded to any of my inquiries or even explained why the block on my account ever happened so at this point they are blocking access to my funds without explanation, cause or reason, was told all he could do is forward another message to the " back office '' and someone would call me back in 24-48 hrs. XX/XX/21 faxed a letter to XXXX explaining my situation, included copies of notes I had been keeping logging all contact with citibank with dates and outcome, no response. XX/XX/21 - access to citibank app blocked, called fraud line informing them that i was recording the call and was told my account had been reviewed and closed as the review determined citibank could no longer do business with me based on the terms and conditions of the checking accnt. i asked what that means and was informed i would receive a letter explaining the closure. i asked why the review and block were ever initiated and was told i would receive a letter explaining that. i informed her that i was previously told that i would receive a letter explaining the block in the first place also but i never received any letter from them except a letter confirming my change of address and that i had a screenshot from the app showing all notices and tax information correspondence from citibank to me which did not include any. notice or explanation of the block on my account so i do. not trust that there will be any letter of notice or explanation of closure either. i informed her that i needed an explanation of the block on the account and a copy of all findings from the review of my account that determined that my account would be closed. i was told all she could do was forward a message to the " back office '' and someone will. call me back within 24-48 hours. when i asked about the balance in my account of {$4300.00} and was informed that i will receive a certified citibank check within. 30-60 days in the amount of my balance but she did not confirm the amount. i do however have screenshots of the daily alerts i get from citibank informing me of my current balance. After this call i looked up citibank on the XXXX website and found 358 consumer reviews which were all negative, many of the reviews were consumer complaints regarding citibank freezing or blocking their accounts and disabling consumer access to their funds. Citibanks rating by the XXXX which does not include consumer review data is an F. I am not the only one that they have done this to creating extreme financial hardship without cause or explanation
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| 11/24/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved.
Pursuant to 15 USC 1692a ( 6 ), Citigroup Inc d/b/a CitiBank N.A. is a debt collector.
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end consumer credit plan for account ending in XXXX, have been violated by Citigroup Inc d/b/a CitiBank N.A. pursuant to several federal consumer protection laws.
I sent a tender/money order on XXXX XXXX, 2021 and a second tender/money order on XXXX XXXX, 2021 pursuant to 12 CFR 204.2, U.C.C. 3-601, U.C.C. 3-603, U.C.C. 3-604, U.C.C. 3-311. Citigroup Inc d/b/a CitiBank N.A. did not adjust my account in accordance with the tenders sent nor did they send proper notification that they dishonored my tender. In response, on XXXX XXXX, 2021, I sent a Notice of Default and Opportunity to Cure to CitiBank 's customer service po box and a Notice of Default and Opportunity to Cure to CitiBank 's Corporate Headquarters ATTN the CFO XXXX XXXX, giving them the opportunity to send confirmation that my account/open end credit plan had been adjusted in accordance with the tenders in full settlement of the alleged obligation sent on XXXX XXXX, 2021 and XXXX XXXX, 2021 or send a Notice of Dishonor to allow me to cure any defects. Citigroup Inc d/b/a CitiBank N.A. failed to do either and continued to attempt to collect the disputed alleged obligation.
In their continued attempts to collect the disputed alleged obligation, Citigroup Inc d/b/a CitiBank N.A. repeatedly violated SEVERAL of my federally protected rights as a consumer in every communication with me. In response to this, pursuant to 15 USC 1692c ( c ), I sent a Cease and Desist demand to Citigroup Inc d/b/a CitiBank N.A. with seven exhibits containing each violation I found labeled and highlighted, as well as an attached invoice for the violations pursuant to 15 USC 1692k and 15 USC 1681n. In addition, pursuant to 15 USC 1692c ( c ) ( 2 ), I invoked my specified remedy as a consumer, natural person, and the ORIGINAL creditor and demanded the following : 1. Zero out the balance on this account 2. Apply a permanent credit to XXXX XXXX XXXX open end consumer credit plan account ending in XXXX in the amount of {$10000.00} 3. Pay the invoice attached for breach of violations and damage sustained in the attached exhibits. Citigroup Inc d/b/a CitiBank N.A. received the Cease and Desist, exhibits with violations, and invoice, on XXXX XXXX, 2021, as verified by the XXXX green return receipt returned to me. Still, Citigroup Inc d/b/a CitiBank N.A. has continued to attempt to collect the alleged obligation and continued to violate my federally protected rights.
I decided to give Citigroup Inc d/b/a CitiBank N.A. XXXX more chance in a good faith attempt to obtain satisfactory resolution of a disagreement or problem relative to the transaction from the person honoring the credit card. I sent a Affidavit of Truth on XXXX XXXX, 2021 to Citigroup Inc d/b/a CitiBank N.A., with XXXX attached exhibits, to give them an opportunity to rebut the statements of truth-in-fact on the alleged debt they are still attempting to collect for the account number ending in XXXX.
Citigroup Inc d/b/a CitiBank N.A. recieved this Affidavit of Truth on XXXX XXXX, 2021 as verified by the XXXX green return reciept returned to me.
The statments of truth-in-fact regarding violations are as followed ( I have attatched every supporting document/exhibit listed in this Affidavit of Truth to this complaint ) : 1. Fact, The Affiant is the Genuine Creditor 2. Fact, You are the Debtor 3. Fact, You are a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) 4. Fact, Affiant sent Exhibit B via Exhibit C to Citi Bank XX/XX/2021 5. Fact, Affiant sent Exhibit D via Exhibit E to Citi Bank XX/XX/2021 6. Fact, In Exhibit I, You have lowered Affiants credit limit on the account ending in XXXX with no authority to authorize such action in association with Affiants credit card or any account associated with Affiants open end consumer credit plan. Unauthorized use is described in U.S. Code 1602 ( p ) 7. Fact, following the actions stated in line 6 concerning Exhibit I, In Exhibit M, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692d ( 1 ) - use of criminal means to harm the reputation of Affiants person ( 15 U.S. Code 1681 ( 2 ) ) 8. Fact, in addition to the actions stated in line 7 concerning Exhibit M, In Exhibit M, You are violating Affiants rights as a consumer pursuant to 15 U.S Code 1681a ( 2 ) ( A ) ( iii ). Affiant was not given the opportunity to opt-out of having this reported information concerning account ending in XXXX not being furnished reported on Affiants Consumer Report and File 9. Fact, in addition to the actions stated in line 7 and 8, In Exhibit M, You are Violation Affiants rights as a consumer pursuant to U.S. Code 1681b ( 2 ). Affiant never gave You written instructions to furnish or report the account ending in 2429 to any third party 10. Fact, In Exhibit A You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692j ( a ) furnishing certain deceptive forms 11. Fact, In Exhibits A, H, I, J, K, and L, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692e ( 11 ) failure to disclose that you are attempting to collect a debt and communication is from a debt collector 12. Fact, In Exhibits A, H, I, J, K and L, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692f ( 8 ) using language or symbols on the envelope and in the contents of the communication that indicates you are in the debt collection business 13. Fact, In Exhibit A, J and L, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692e ( 2 ) ( A ) the false representation of the character, amount, or legal status of this alleged debt 14. Fact, You have acted in dishonor by not applying my deposit, Exhibit B, defined in 12 CFR 204.2, which violates FDIC regulations 15. Fact, You have acted in dishonor by not honoring Exhibit B, pursuant to Public Law 73-10 and Uniform Commercial Code 3-603 I have been violated by Citigroup Inc d/b/a CitiBank N.A. , pursuant to 15 USC 1692 and 15 USC 1681, a total of twenty times in the attached exhibits ( not including repeated violations in the attached exhibits ), and Citigroup Inc d/b/a CitiBank N.A. is civilly and criminally liable for the damages I have sustained as a consumer, natural person, and original creditor of an open-end consumer credit plan for account ending in 2429
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| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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On XX/XX/XXXX I paid off my Citibank Double Cash credit card balance of {$88.00} and had a balance of {$0.00} owed.
I had this account open since XXXX and had ; the same address, account used to make payments, phone number, email, all the same throughout the life of the account.
On XX/XX/XXXX I received an email from Citibank saying my security word had been updated. After reaching out to Citibank, they 'resolved " the issue by closing my account and mailing me a new card, which was never recevied.
I followed up once to check on the status of the card.
On XX/XX/XXXX I received an email saying that a payment of {$130.00} was returned unpaid from XXXX XXXX, XXXX XXXX. The bank account was not mine, I only used XXXX XXXX. I explained that the balance was not mine as I never received the card. A customer is unable to access any account information until they receive their card.
Citi confirmed the address on the account was updated from my address located in I haven't used my card at all since XX/XX/XXXX, and my balance was {$0.00}. I also had not received any replacement card. I decided to close my account due to the fraudulent activity, and was told that all charges would be removed from my account. I received the email confirmation of account closure on XX/XX/XXXX at XXXX.
That same night, at XXXX, I received a welcome email saying I have a new Double Cash account with a new number.
On XX/XX/XXXX I received a statement saying a balance was owed for {$160.00} on a Double Cash account, but different account number.
I called Citibank and asked why an account was open, and had a balance in the first place. I was told that it was a mistake, and that I am free to ignore it.
On XX/XX/XXXX I received an email saying the same account now had a balance of {$210.00}. I called and asked again about the balance and account, and was told I could ignore it.
On XX/XX/XXXX I received an email for a scheduled auto-payment.
On XX/XX/XXXX I called Citi again about the account balance and auto-payment email. They said that my account balance showed {$0.00} despite me telling them that my credit report has been showing late & missed payments on my end. So I asked for Citi to remove the account from my name as it was fraudulent and took down a confirmation number.
On XX/XX/XXXX I received an email confirmation from Citibank for the unauthorized account was showing a balance of {$0.00} and that the account was closed.
On XX/XX/XXXX I received an email saying a payment of {$210.00} from XXXX XXXX, XXXX XXXX was returned for the account previously mentioned on XX/XX/XXXX On XX/XX/XXXX I received an email saying the balance owed on the supposedly closed account was now {$250.00} On XX/XX/XXXX I received an email saying I received 'e-communication ' regarding the account, which I was unable to view as I never received the card which is needed to create an account to view these documents Additionally, when an account is closed, a customer is no longer able to access the account online or through the app XX/XX/XXXX I finally received an email saying Citibank opened up a dispute for the most recent account ( which was supposedly closed ) On XX/XX/XXXX the auto-payments were finally canceled On XX/XX/XXXX I received an email showing a statement balance on a completely new account number with a balance of {$160.00} On XX/XX/XXXX I received an email asking to make payment immediately and that I am " XXXX payments past due '' on my card On XX/XX/XXXX I was on the phone with Citibank form XXXX XXXX until XXXX XXXX, trying one again to resolve the issue as I had received a letter in the mail that a representative said I needed for verification in order to proceed with fixing my issues. After having my call dropped/hung up/left on hold/transferred to bogus numbers, I decided to pay the balance and pursue whatever actions I can to recover my damages and avoid further harm to my credit report. Even after this payment was made, I received no email confirmation, and was told they could not email me one, despite the countless emails I've received in the past.
Since XX/XX/XXXX, I have called Citibank consistently, about every XXXX weeks. Each time I spoke to a representative and explained that I paid off my card in XX/XX/XXXX, and that any activity after that point was fraudulent, I was greeted with confusing, conflicting statements. Some representatives would state that no balances were showing on their end. Others said they would open up a dispute for me. Each representative said that it would take about 60-90 days for a resolution, and that they would reach out to me for more information if necessary. No one ever reached out to me. If they try and say they did through the account portal, I didn't have access as I never received the card, and explained that each time.
Other representatives would transfer me from one department to the other, only to be greeted by them telling me I needed to be transferred again as the issue fell under a different department.
I have been told that due to security reasons I needed to call back after receiving a letter to read a code, verifying my identity. When I called, I was then told that the number was no good, and that a new letter needed to be mailed.
I'd imagine that this issue would be one of the simplest to fix as the timeline is pretty clear, as I paid my card 's balance off in XXXX of XXXX and received no more emails as I wasn't using my card afterward, and that the timeline would clearly show that all activity after that point was fraudulent. I always called immediately upon seeing any fraudulent activity, and almost always paid my card 's balance off entirely to avoid paying any interest.
My credit score went from XXXX in XX/XX/XXXX, the highest I've ever had, to XXXX as of XX/XX/XXXX. Despite continuous calling and reassurances, misinformation, and blatant negligence, I've tried to work with Citibank to resolve this issue, and it still hasn't been taken care of. Despite making the payment to prevent any additional harm to my credit report, I fear I will still encounter future issues with Citibank.
I have used my vacation time, work lunches, breaks, personal time that I use for my business, all trying to resolve this. I reluctantly paid the balance only because out of myself and Citibank, I'm the only one who has incurred any damages throughout this experience as their business operates without any issues, meanwhile I've had to postpone home projects due to my credit being impacted so much and trying to avoid higher interest rates
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| 12/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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XXXX Below is a complaint I filed with the CFPB orginally and I received an email from Citi saying, " we didn't do this. '' Case closed by the CFPB. Not even close.
Besides the offenses they committed below we can now add FRAUD and BAD FAITH. I had a SIMPLE request and I called the Executive Response Team-Sound Very Important huh? Bunch no good do nothings liars. I requested copies of my original Credit Card Agreements for the Exxon Card and the Two Citi cards. I requested this because I was told repeatedly told me they did nothing wrong- no Discrimination, Defamation, Predatory Lending, Retaliation, and now Fraud and Bad Faith. I wanted them to produce the agreements where I would ever agree to be treated this way. I was told THREE times on three calls those would be sent. Then, I was told they were mailed on XXXX and to wait a couple of days.
Yesterday, I received an email from the lying Executive Response Team stating these exact words : " We respectfully decline to provide the requested agreements, and then they made the point I could obtain them through Subpoena. '' ( Meaning, XXXX XXXX. ) I'm going to do so much more than that. So, they mailed them on XXXX and on XXXX I receive an email stating they respectfully refused to provide them. So which was it? Did they LIE when they told me they sent them on XXXX or did they MAGICALLY retrieve those three agreements in the billions of pieces of mail?
Either way, XXXX XXXX are begging to be made an example of. I am just that guy. Do you want know why they respectfully declined to send agreements I signed or agreed to? BECAUSE THEY DON'T EXIST AND THEY KNOW IT. OUT AND OUT LIE-WHICH IN BUSINESS CONSTITUTES FRAUD AND BAD FAITH! Goody, more legal claims for me! And, what is so much fun about this, its all documented.
Now, The Consumer Financial Protection Bureau states these exact words ( from their website ) - " A financial institution must submit the credit card agreement, which is defined as the written document or documents evidencing the terms of the legal obligation, or the prospective legal obligation, between a card issuer and a consumer. '' Well CFPB, time for you to do your job right this time, they refused to provide the agreements which is my legal right to possess and for them to provide. Make em do it! Complaints are in with The Attorney General, State and Federal, FTC and CFPB. CFPB- Don't you want to know why Citi thinks they can spit on their obligations to your Bureau and to me?
And to you Citi, you want to fight me? Let 's do it. You picked the wrong guy. A Class will be formed within a week because if you did this to me you did to others. Let 's dance!
If they are any consumers that wish to contact me and speak of any similar treatment by Citi stand apprised, I will have more information if these idiots at Citi don't do this right, I will make this my project full time and not rest until Justice is done and that looks like a Judgement against them in a Class Action Suit.
XXXX XXXX XXXX XXXX Texas.
That would be them Original Complaint Submitted and shown as resolved?! Who are you kidding?
We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT I have/had 2 Citibank credits cards, both for over the years. My payment record is perfect. I lost my job over a year ago. We were in financial trouble. I always try and maintain relationships. In XXXX fo XXXX, we had an unexpected medical problem. It was hard enough not having a job. I knew I was going to be 2 ( TWO ) days past due on my Citibank payments. I called them to give advance notice and to assure them they would get paid. On that call I was told I was a GREAT customer, never late in all these years. That there was a grace period and I didn't even need to call them. I found out in the most humiliating way Citibank lowered my available credit on BOTH cards to about {$100.00} above whaw I owed. Prior to that, I had several XXXX dollars of available credit on both cards. Not having a job meant I did most of the chores including going to the grocery store. I found out the cut my available credit because both cards were declined. Just like in the movies, a line was forming behind me. I had no other way to pay. I pleased and apologized to the store clerk and manager. They know what customer service is, they allowed me to go home, get another form of payment and get my cart to the side. Needless to say I called Citibank and asked what they did. These exact words from thier agent, " Oh from time to time we check our customers and issue credit based on several factors. '' When I held her feet to the fire and she admitted it WAS BECAUSE I CALLED AND SAID I WAS GOING TO BE TWO DAYS LATE. THE PAYMENTS HAD BEEN MADE AND CLEARED MY BANK YET SHE HAD THE NERVE TO TELL ME MY ACCOUNTS WERE DELINQUENT. I asked for a supervisor and she would not budge. I found myself begging this woman for her help in putting my available credit back to where it was. She would not. It caused my wife and I great harm and suffering. We have an Exxon/Mobile card for 40 YEARS, NEVER A LATE PAYMENT. About a week after they cut my available credit my wife called and told me she'd been to 2 company owned Exxon 's and both at the pump and inside at the register her card was declined. The card had nearly a XXXX balance. There was no risk of us going over the limit for my wife filling up her car! Of course I called Exxon furious. The agent seemed very confused and she asked me if I had two Citibank cards. I asked her why that was her business and that when I found out Citibank does Exxon 's credit cards! I asked her point blank if they closed my account. She said it appeared closed, was confused and flustered. She asked me to hold and put a supervisor on the line who told me, " there must be a problem with the card readers, your account is in good standing!? '' SHE WAS THE FIRST OF MANY LIARS I'VE HAD TO DEAL WITH. WHAT THIS AMOUNTS TO IS EXACTLY WHAT I SAID, CITIBANK PRACTICES PREDATORY LENDING, AGE DISCRIMINATION, RETALIATION AND DISHONESTY. If anyone else has experienced you should talk to your attorney or look for one to tell this too. This is so illegal, we are looking at Civil and Criminal charges. XXXX XXXX XXXX, Texas Hide full complaint
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| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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XX/XX/XXXX XXXX writing to you today to dispute the Negative score to my credit. It shows that I have XXXX late payments. I never made any payments so this is a complete lie. I had been dealing with this issue since XXXX XXXX. On XXXX XX/XX/XXXX on finally received the funds from XXXX to pay off my account to them. Attach is a copy of the check I sent to them for final payoff. The balance transfer fee was waived by Citicards so my balance owe is XXXX. Below is a summary of all correspondence with Citicards and XXXX XXXX. You may reach out to the contacts from XXXX XXXX to verify this incident.
I filed a XXXX transfer online with CITI cards. The amount was for {$7700.00} to be transferred to the consumer 's XXXX Bank account. However, the consumer accidentally gave them the wrong account number. The consumer had XXXX accounts and that one was closed. XXXX then sent back the funds to Citicard through a check in the mail on XXXX XXXX. The check was cashed/deposited on XXXX XXXX XXXX. The consumer has a copy of this check from XXXX. Citicard says they never cashed it but XXXX XXXX says they did. Almost XXXX year later and the consumer can't get it fixed. Citicard has been sending the consumer bills and has ruined the consumer 's XXXX XXXX. The consumer never received any funds from them but still they request payment.
Thanks.
XXXX XXXX CITICARD BALANCE TRANSFER LEDGER CITI CARD # ( XXXX ) CITIZENS BANK # ( XXXX ) XXXX from XXXX. XXXX CASE # XXXX XXXX XXXX XXXX FAX : XXXX XXXX XXXX ( XXXX ) Supervisor Email : XXXX XXXX from XXXX XXXX ATTN : Payment Investigations XXXX from XXXX XXXX XXXX. CitiCard sent {$7700.00} to old XXXX account on XXXX XXXX XXXX XXXX. XXXX bank said it sent money back on the XXXX of XXXX and Check was cashed on XXXX XXXX XXXX CHECK INFO : CHK # XXXX DATED : XXXX XXXX, XXXX AMOUNT : {$7700.00} CASHED ON : XXXX XX/XX/XXXX.
SENT TO : CITI BANK XXXX : XXXX XXXX XXXX XXXX Citi XXXX XXXX Bldg # XXXX, Floor XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX, XXXX : Called XXXX bank and talked to XXXX, She gave me all the check info for Citibank, called Citibank and was disconnected after requesting a second supervisor.
XXXX. XXXX XXXX XXXX Talked to XXXX about a copy of the sent check to Citibank. Will get back to me in a few days. Then called Citibank and talked to XXXX and they required a copy of the check.
XXXX. XXXX XXXX. XXXX, XXXX from XXXX called to inform me that the FAX # I gave her from Citibank isnt working. I told her I would try to get her the correct number.
XXXX. XXXX XXXX, XXXX Called Citibank and talked to XXXX about wrong fax number. She gave me the correct number. I then called XXXX bank and left the fax number with XXXX.
XXXX. XXXX XXXX, XXXX : Called Citibank talked to XXXX to verify if they received a copy of the cancelled check from XXXX Bank. They informed me that they need to look into it again. Need to Call next week.
XXXX. XXXX XXXX, XXXX : Called Citibank talked to XXXX and then XXXX to verify if they received a copy of the cancelled check from XXXX Bank. They said they received the copy and are processing it now, will get back to me.
XXXX. XXXX XXXX, XXXX. Called Citi again and explained what happen. They said they never received check and working on it.
XXXX. XXXX XXXX, XXXX. Called Citi and talked to XXXX ( XXXX ) about closing account and he wanted me to send an email with a copy of the return check from XXXX Bank. Asked if someone can call me back the following week. No one ever called.
XXXX. XXXX XXXX, XXXX. Received letter from Citi, stating that they never cash the check from XXXX Bank. Unbelievable.
XXXX. XXXX XXXX, XXXX. Called and was put on hold and then was kicked off. Recalled and spoke to XXXX ( XXXX ). Same old feedback. Need copy of check again. Sent it today.
XXXX. XXXX XXXX, XXXX. Finally reach someone higher at CitiBank. Talked to XXXX, she was very nice and explained what happened. She gave me her phone number and Email. She said to send her a copy of the cancelled check. And will get back to me on XXXX or Wednesday. Sent copy of check to email that she provided.
XXXX. XXXX XXXX, XXXX. Called and left a message with XXXX.
XXXX. XXXX XXXX. Talked to citizens bank and are going to request a back check of the money sent back to Citibank.
XXXX. XXXX XXXX, XXXX. Received letter from XXXX. Letting me know they reached out to Citibank about this debt.
XXXX. XXXX XXXX. Called and left message with XXXX from XXXX bank.
XXXX. XXXX XXXX, XXXX. Called Citibank about payoff. No progress!
XXXX. XXXX XXXX, XXXX. Called XXXX from XXXX and left message.
XXXX. XXXX XXXX, XXXX. Called XXXX from XXXX and left message.
XXXX. XXXX XXXX, XXXX. Called XXXX from XXXX and stated she still is waiting for a reply from Citibank.
XXXX. XXXX XXXX, XXXX. Called XXXX from XXXX and left message.
XXXX. XXXX XXXX, XXXX. Call the RI Attorney General XXXX and they referred me to XXXX. ( XXXX ).
XXXX. Filed an Official Complaint with XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX from Citibank called and said that the money was sent back to XXXX because it didnt have an accnt # XXXX. XXXX from citizens called and told me she talked to XXXX from Citibank and they discussed the money issue. She said it will take a week or so to find the money. She said she would call me bac.
XXXX. XXXX XXXX, XXXX. Never got a return call from XXXX. Called today but no answer. Left message to call me.
XXXX. Called on dec. XXXX and XXXX. Left message with XXXX at XXXX bank.
XXXX. XXXX XXXX, XXXX. Called XXXX at XXXX and left message that no one will return my call. I said I will have to file a consumer complaint. Later that day I Received call from XXXX and XXXX on my voice mail. XXXX informed me that they sent back the XXXX check back to Citibank. She said she will call XXXX from Citibank and discuss the issue.
XXXX. XXXX XXXX XXXX. Called XXXX bank and left message.
XXXX. XXXX XXXX XXXX. Filled XXXX more complaints with CFPB against CitiCard and XXXX Bank.
XXXX. Received call from XXXX from XXXX Bank XXXX about my complaint. I gave her the contact at Citi.
XXXX. XXXX XXXX XXXX. Had another call with XXXX. They are going to try to reach out to Citi again.
XXXX. XXXX XXXX XXXX. Finally received the funds from Citicards and sent payment of {$7700.00} XXXX. XXXX XXXX. XXXX. Citizens bank finally received/found the money from Citibank and sent a check for the {$7000.00} to them.
XXXX. At no time did I make any payments to Citibank do to the fact I never received any transfer funds from them. My XXXX late payments should be removed from my XXXX XXXX.
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| 01/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Citibank closed my Citi Diamond Preferred credit card and did not violate the terms of the agreement. My account was closed in error but its proven almost impossible to speak with someone that can listen to the facts and events. The people that made the decision will not talk to me on the phone. Citi has changed the story on why the account was closed. Originally Citi said I had made 3 NSF payments over the life of the account. Not true. I sent Citi a 14 page fax and proved that was not the case. Afterwards Citi issued a new letter and said the account was closed due to 1 NSF payment in the past 6 months. Below I provide the details of the 1 error I made which should never have resulted in the closure of my account.
FYI - I have a case pending with the " Citi Executive Response Team '' to reopen my account. I assume it will be denied. This case has been open for 2 weeks and my case manager is now out of office until XX/XX/XXXX. When I opened the case she agreed my account should have never been closed and I am the ideal customer Citi wants to attract. But they are treating me like I am bankrupt and don't pay my bills.
FYI - I have a 2nd Citi card with a {$20000.00} limit and {$0.00} balance. That account remains open.
XX/XX/XXXX - Citibank closed my Citi Diamond Preferred credit card without notice. I am the ideal Citi customer, spending over {$10000.00} annually on this card and paying it off. This card had a {$28000.00} limit. I had never paid it late. I have a XXXX FICO score ( at the time ). I make over {$250000.00} a year and I have money in the bank. I have called citi 15 times at least. I have submitted two requests to reopen my account. Both requests were denied, a different reason for account closure was given with each denial. These reopen requests go to the card services department. Customers can not speak to this department. Customer can only speak to customer service. Customer service submits a request to reopen, it goes to card services. You have to call back in to customer service to find out what the answer was. My experience of calling and trying to get help has been terrible. Nobody would listen to what I was saying. Eventually I ended up sending 14 pages of documentation on XXXX XXXX XXXX. I spent {$25.00} at XXXX XXXX to send this fax. I was traveling for the holidays and did not have access to a fax machine.
Why was my account closed - Citi says I have made XXXX NSF payment in the past 6 months. On XX/XX/XXXX I decided to make a second payment to my citi card for the month of XX/XX/XXXX. Again, this was a secondary payment. My XX/XX/XXXX payment was made and posted on time. I logged into the citi app on XX/XX/XXXX to make the additional payment to principal of {$240.00}. Generally I use my XXXXXX/XX/XXXX checking account which is already linked to Citi for payments. But on XX/XX/XXXX madethe mistake ( This is where I messed up ) of deciding to use my XXXX checking account. This was the first time I had used XXXX to pay Citi. I have two XXXX accounts. XXXX account # XXXX has over {$43000.00} in cash at all times. There is no debit card tied to this account. XXXX account # 2 has a debit card tied to it and runs a low balance and Imove funds into it if and when needed from the {$43000.00} account. Basically if I want to use the XXXX debit card XXXX transfer money to that account. When I added XXXX as a payment source I made the mistake of adding XXXX account # 2 with low funds. I meant to add XXXX account # 1 with {$43000.00}. I made the payment of {$240.00} and didn't think about it again. On XX/XX/XXXX Citi emailed me that my payment was rejected for NSF. I saw this email on XX/XX/XXXX and logged in right away to fix that issue but found my Citi Diamond preferred account was closed. I called customer service around XXXX on XX/XX/XXXX to start the process to reopen my account. I explained the mistake I had made. On XX/XX/XXXX I called back and found the request to reopen had been rejected.
Citi claimed I had violated terms and made XXXX NFS payments over the life of the account. Citi claimed I made two payments for {$25.00} XXXX Not true ) on XX/XX/XXXX and both were rejected for " Account Frozen ''. And the 3rd payment of course was XX/XX/XXXX from XXXX. I sent Citi a 14 page fax on XX/XX/XXXX to prove I did not have 3 NFS. This was my XXXX request to reopen the account. I get into more of that detail below.
XX/XX/XXXX - My XXXX Business Checking account ending in XXXX was breached online. Someone accessed my account online and transferred out {$5000.00}. I caught the fraud, changed my XXXX password and stopped it before more money could be transferred. XXXX forced me to open a new checking account ( I had {$48000.00} in the account that was breached ( XXXX ). I had no choice here and had to open the new checking account. XXXX did a partial freeze on account XXXX but said I could still use it. There was {$35.00} remaining in account XXXX. On XX/XX/XXXX I paid Citi {$25.00} XXXX there was {$35.00} in the account XXXX ). There was only one payment attempt. Citi rejected his payment for " Account frozen ''. So Ipaid from another account and never thought anything about it.
It seems that Citi counted this 1 payment as 2 payments. In my 14 page fax I showed citi chase statements that only one payment was made. I sent Citi the fraud info, documents where XXXX approved my fraud claim, documents where chase forced me to open a new account, documents where I had {$35.00} in account XXXX but the {$25.00} payment to Citi as rejected. In the end Citi should have removed the 1 NFS from XX/XX/XXXX from my account record. Instead of removing it, they counted it twice! When I made the 2nd request to reopen the account on XX/XX/XXXX, in the 14 pages I faxed, I explained all of this. Citi denied the request to reopen. But theychanged the reason why. Now they claim I had made 1 NFS in the past 6 months. They are now referring only to the XX/XX/XXXX payment from XXXX.
In short, I made one NFS payment because I added the wrong bank account for my extra payment in XX/XX/XXXX. It was a simple mistake. Citi closed my account which dropped my credit score. I lost {$28000.00} in available credit. I am a great customer, I spend a lot of money, always pay on time, pay off the full balance annually, and I have many cards with high limits. I just want my account reopened as I didn't do anything wrong. Hopefully the Citi Exec response team will agree and reopen it. Citi is treating me like I am not a qualified customer. I am over qualified if anything.
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| 07/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
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Summary : Citi has account verification/setup processes that are dubious at best, promoting identity theft at worst, and issues may result in customers being unable to access their account/services or pay their bills.
Some background about me : I purchased my current residence in XX/XX/XXXX. I have never had a card or account with Citi before this occurrence.
On XX/XX/XXXX around XXXX XXXX EDT, I applied for a Citi XXXX XXXX Card using current, correct contact information, and my application was immediately accepted. After being accepted, I was invited to take advantage of a balance transfer offer, and I used it to transfer {$4000.00} of credit to the new account. They also added the {$120.00} balance transfer fee to the account. I received an email stating " Your account is considered open as of today, XX/XX/XXXX. Your new card will arrive in 7-10 business days. ". I waited for a couple weeks for the card, but it did not arrive. On XX/XX/XXXX, they processed the balance transfer, at least based on the credit card account I transferred from.
On XX/XX/XXXX, I received an email stating " by now you should have received your Citi XXXX XXXX Card in the mail. If you haven't received your card yet, please call XXXX to let us know immediately. " Upon receiving this email, I called the number and navigated the automated phone tree to request a replacement card, with the reason never delivered. The system told me Id receive my new card in 4-7 business days.
I waited a bit longer than that, but something seemed wrong, so I decided to call the support number and talk to a human on XX/XX/XXXX. I explained to the representative that I have not received my initial credit card, nor the replacement. They asked me to confirm the address Im at. I provided them with my address, and they said it didnt match what was on the account. They transferred me to somebody else. They again asked for my current address, and my previous address. Neither one matched the address on the account. They asked me if I had any idea what it would be, and I told them that I had no idea, since I dont have any other addresses to my name.
They transferred me to a senior support representative, who again asked a lot of the same questions. I likely reiterated again that I had no idea what the address could possibly be. Finally, they said they would need to verify my identity. They asked for a phone number, so I gave them my cell phone number that Ive had for ~13 years. They came back saying it could not be verified, and asked if I had a different number. I dont have other numbers that I use regularly, so I said no. They asked if I had any other Citi accounts, or if I was at work ( presumably to talk to someone there to verify my identity ), to which I replied no to both.
Some context on the phone verification issue, searching online citi phone cant verify yields numerous issues and complaints. Here are just a few : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The gist seems to be that the verification process only works for landlines or numbers that have been published alongside the account holders name. This means that people with only cell phones, VoIP phones, or using an account owned by someone else will likely not be able to verify, especially if they have taken measures to avoid publishing their number. According to the National Center for Health Statistics, 52.5 percent of homes had only wireless service during the first half of XXXX. Im sure that number is even higher now. I also believe this is a questionable security method ; it would not be impossible to register a phone number under a false name.
After failing to validate my identity, they said the only option was to verify my identity by mail. This didnt make sense, since the original inquiry was about an incorrect address. Note that while I had provided my current address to all of the representatives, I told them I was concerned that the letter was being sent to the wrong address. They didnt seem to listen, and told me to wait for the letter in the mail. They also said that my account would be locked so new transactions couldnt be made.
On XX/XX/XXXX, I received an alert from XXXX that the new credit account had been posted on my credit report. I logged into my account there and pulled the report. The address listed on the card was not mine at all, but it was just a few towns over, which seemed coincidental. I did some research on the address, and discovered that it was the new address of the elderly couple that owned my house until XXXX. I disputed the address with XXXX and had it removed from the report, for now.
I called Citi immediately to try to see if knowing the address would help my case, but neither the system nor the representative would accept my security word any longer. They wouldnt really let me say anything ; they just told me to wait for the identity verification letter.
I am still getting emails from them about bills due and such. I was initially worried that I would not be able to pay the bill, since I cant even log in to their website without the card number ( which I do not have since I havent received any cards ). I saw that bills could be paid over the phone or by mail, but I did not have the account number either, which is required for this. Luckily, I got the account number from my credit reports, so I am hoping I will be able to pay the bill over the phone or through the mail.
As of XX/XX/XXXX, I have not received any mail from them, including the identity verification letter that I supposedly could use to gain access to my account. I have been communicating with the previous resident who is receiving my mail, and I will hopefully be able to recover the mail and try to regain access to the account.
In conclusion, I created a credit card application using my valid address. Citi disregarded the information I provided and used an unreliable source to set my accounts address without my authorization or any verification. This could have encouraged identity theft, depending on whose address the cards and documents were mailed to. Further, they provided no reasonably feasible or modern method to prove that I was the account owner without undue burden, and assumed that I must be in the wrong when trying to correct basic information about my account which occurred due to an error on their end.
Note : The billing address ( XXXX ) that I filled out later in the form is the incorrect address that does not belong to me. The correct one is XXXX.
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| 10/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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Dear Sirs, I am writing to you regarding the dispute of the transaction on my statement, case ID : XXXX. This claim / dispute is based on the following grounds : On XX/XX/2023, during my vacation time with my wife in XXXX, I bought some food from a restaurant called XXXX XXXX XXXX XXXX XXXX XXXX XXXX The merchant charged me XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX {$3200.00} ) as it can be evidenced in the receipt attached to this claim, ( I provided the mentioned receipt when requested by Citi Bank after filing the claim within the appropriate time ). The conversion from XXXX {$3200.00} ( XXXX XXXX ) to AMERICAN DOLLARS by the time of the transaction was equivalent to XXXX American dollars with XXXX XXXX ( US {$20.00} ).
The mentioned transaction was made with the card number ending in XXXX owned by myself. When reviewing my statement, I noticed that instead of US {$20.00} I was billed by US {$3200.00}, this means that the amount of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX {$3200.00} ), was mistakenly paid in AMERICAN DOLLARS. Therefore, I have been overcharged by US {$3100.00} on a transaction that was only for XXXX American dollars with ninety-one cents ( US {$20.00} ), keeping in mind the conversion from XXXX XXXX to American Dollars.
On XX/XX/2023, I proceeded to contact the merchants several times, but unfortunately there has been no answer, even to this day.
On XX/XX/2023, following the internal process established by Citi Bank, I called to customer service to open a dispute for the mentioned transaction. As part of this process, I received an email from Citi Bank on XX/XX/2023, requesting some additional information about the dispute, instructing me to email a form to the address XXXX.
On XX/XX/2023, I emailed the form named Action Required to the mentioned email address, providing the requested information about my case, selecting the first option in which I am confirming that I didn't authorize the transaction on my statement for {$3200.00} and confirming that I was being overcharged by US {$3100.00}. Additionally, in the same form I clarify that the receipt/bill issued by the merchant and provided to the bank was made in XXXX XXXX
On XX/XX/2023, I received a letter in response to my dispute, informing me that the amount billed in my account is the same amount on the documentation I sent, determining that I was billed correctly. They proceeded to close my case, informing me that it could be reopened only if I provided a copy of the sales receipt or invoice ( which I provided when filing the form with the update on my dispute ).
At the beginning of XX/XX/2023, I called Citi bank to show disagreement with the previous response, reason why my case was reopened.
After calling several times to get un update about my case, on XX/XX/XXXX and XXXX, 2023, I received the same response : We have reviewed the information you provided regarding your dispute. Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. If you are unable to provide this, you will need to seek other means to obtain credit..
On XX/XX/2023, following the request made by Citi Bank, I submitted a letter with a complaint regarding this dispute. The letter was submitted at the email address XXXX.
On XX/XX/2023, I received an Update on my case, informing that my dispute was closed due to the lapse of time since the transaction was billed. The same letter informed me that CITI was unable to investigate this dispute and was instructing me to contact the merchant and furthermore to proceed with the payment of the billing statement that is including the amount in dispute.
Based on the previous grounds it can be evidenced that I disputed the transaction withing a reasonable time ( 5 days ) after several attempts to contact the merchant. Although I received a prompt response from Citi Bank, the response was not appropriate, because it is obvious that it does not take into consideration the different currency and the conversion that must be applied to resolve this case. It is not acceptable that the response after reopening the case is that I should provide once again the credit slip, keeping in mind that from the very beginning I provided a copy of the receipt as clear evidence of the mistake or unauthorized transaction. It is no clear to me why I should provide the credit slip instead that was issued by the merchant. From the copy of the receipt and from the information I provided in the updated of my dispute form, it is very evident that the receipt was issued in XXXX XXXX for the amount of XXXX {$3200.00}, and not in American dollars as it was implied, reason why it is unacceptable the determination according to the letter dated XX/XX/2023, which expressly said that the amount in the receipt ( documentation sent by me ) is the same amount as the one billed in my account which it was in a different currency, this is American dollars.
As it was expressly described in the form sent by email, I did not authorize the disputed transaction, and there is no evidence that can prove the opposite.
Unfortunately, the response is inadequate because I was billed the wrong amount. In addition, the system, and process to comply with the bank requests is not appropriate because CITI did not reply to the submitted documents to the provided email on XX/XX/2023. Additionally, CITI has provided neither evidence that can prove the opposite of my claim in this letter, nor an explanation about their resolution of this dispute which results into a very inappropriate, disrespectful, and incomplete process from the consumer point of view.
Enclosed are the following copies : Copy of the receipt issued in XXXX XXXX for the amount of XXXX {$3200.00}.
Copy of the Action Required from emailed over to the bank dated XX/XX/2023.
Copy of the response issued by Citi Bank dated XX/XX/2023.
Copy of the response issued by Citi Bank dated XX/XX/2023.
Copy of the response issued by Citi Bank dated XX/XX/2023 I look forward to your reply and a resolution to my problem. I hope this matter can be resolved within the month of XXXX and beginning of XXXX, so that way I get a refund of the amount US {$3100.00} that was not authorized as the owner of this account. However, given the circumstances of my case and the lack of answer by CITI, I am seeking help from a Consumer Financial Protection Bureau, the Office of Financial Regulation of Florida, among others protection agencies. Please contact me at the above address or by phone at XXXX.
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| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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When you are furnishing information to the CRA and that information you provide is inaccurate or incomplete you must PROMPTLY notify the CRA and provide corrections or additions. The FCRA requires that if you furnish any information to the CRA, you must include : Consumer credit limit You also may not report disputed information to the CRAs without telling the CRA FCRA 623 ( a ) ( 4 ) Properly furnish information to the CRA regarding a closed or charged off account FCRA 623 ( a ) ( 5 ) ( A ) Provide month and year of any referral to the CRA FCRA 623 ( a ) ( 5 ) ( B ) Accurate data FCRA 623 ( a ) ( 7 ) ( G ) ( i ) As defined by the Gramm-Leach -Billey Act And provide any proper notices as defined by the Truth in Lending Act 12 CFR Part 1022, Appendix B, FCRA 623 ( a ) ( 7 ) When you are notified by the CRA that a XXXXXXXX XXXX identity has been stolen ( XXXX XXXX PRACTICES ) ; you have specific duties under FCRA 605B. If the CRAs notify you that the information is being blocked due to identity theft you must not re-report FCRA 623 ( a ) ( 6 ) ( A ). You may not sell, transfer or place the debt for collection FCRA 615 ( f ) ( 1 ) and report accurate information FCRA 623 ( a ) ( 2 ) and supply complete and accurate information to law enforcement FCRA 605B ( f ) 615 ( g ) Dark web - 120 exposures, ToR, cloud etc - to verify a consumer identity when you see fraud FCRA 605A ( h ) ( B ) ( ii ).
The Fair Credit Reporting Act 15 U.S.C. Section 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness and privacy of consumer information contained in their files and regulates the collection, dissemination and use of consumer information. Title VI of Pub. L. 91-508, 84 Stat. 1114, enacted October 26, 1970 entitled An Act to amend the Federal Deposit Insurance Act to require bankers to maintain certain records, to require that certain transactions in United States currency be reported to the Department of Treasury and for other purposes - written as an amendment to add a title VI to the Consumer Credit Protection Act, Pub.L. 90-321, 82 Stat. 146 enacted June 29, 1968.
XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
If a consumer 's rights under the FCRA are violated, they can recover ; actual or statutory damages, reasonable attorneys fees and costs ( pursuant to 15 U.S.C. 1681n ( a ) ( 3 ). ) court costs, and punitive damages if the violation was willful - punitive damages under 1681n of the FCRA.
Statue of Limitation TEN YEAR window after the violation occurred 2022 XXXX XXXX XXXX XXXX XXXX, continues into 2023.
Users of consumer reports information such as credit, background checks have the following responsibilities under the FCRA - Users can only obtain consumer reports for permissible purpose under FCRA and they must notify the consumer each time an adverse action is taken on the basis of such reports. Users must identity the company that provided the report so that it may be verified by the consumer. User being a company that furnishes information to CRAs with some sort of credit agreement such as a finance company, banking institution - not a church cult, XXXX XXXX, neighborhood XXXX patrol, or any other black market unauthorized parties.
Regarding XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc ) ; the FCRA classifies them as nationwide specialty consumer reporting agencies under Section 603 of the Fair Credit Reporting Act - they are to also comply and maintain files on consumers on a nationwide basis relating to : HIPAA ( medical records ), residential or tenant history ( ALL ), check writing history ( e.g. Setup/Frame up - {$2000.00} XXXX XXXX XXXX fraud XXXX XX/XX/XXXX ), background checks and other public record information. They are also required to provide annual disclosures of their report files to the consumer.
There have been violations of FCRA 611 ( a ) rule amongst a list of others offenses still within the Statute of Limitation and my children ( Attempts XXXX XXXX ).
In response to CFPB XXXX Violations of the FCRA have a close relationship to the harm caused by the publication of defamatory information, a consumer does not have to prove that the false reporting caused an injury because the false reporting itself is the injury. The record contains evidence that the information on my credit reports is inaccurate. The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover [ 1 ] any actual damages sustained by the consumer as a result of the [ violation ] or [ 2 ] damages of not less than {$100.00} and not more than {$1000.00}. ( emphasis added ). Despite receiving notice of dispute and the CRAs failed to conduct a reasonable investigation pursuant to the FCRA, failed to review all relevant information, failed to correct and update the credit report, and failed to take appropriate measures upon notice of the disputed debt as outlined in the FCRA. Since 2013, there have been numerous and multiple willful, reckless or negligent violations of the FCRA ; causing statutory damages pursuant to 15 U.S.C. 1681n ( a ) ( 1 ), punitive damages pursuant to 15 U.S.C. 1681n ( a ) ( 2 ).
My family has standing, to be eligible to pursue and file a federal civil XXXX lawsuit. Under federal law ( 18 US Code 1962 ), the following four factors are explicit elements : The plaintiff must be a persondefined as an individual, have sustained an actual injury ( tangible harm ) ; sustained to the plaintiff property ; due to racketeering activity.
XXXX makes it unlawful for any person employed by or associated with any enterprise engaged in, or the activities of which affect, interstate or foreign commerce, to conduct or participate, directly or indirectly, in the conduct of such enterprise 's affairs through a pattern of racketeering activity or collection of unlawful debt. 18 U.S.C. 1962 ( c ) Black 's Law Dictionary 156 ( rev. 4th ed.1968 ) A civil XXXX lawsuit allows the recovery of compensation for damages caused by racketeering activity. My family has strong, well-supported initial claim that raises sufficient allegations to move past the pleading stage. XXXX charges are not limited to mafia-related activities and other types of organized criminal activities in an enterprise or organization.
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| 07/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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On XX/XX/XXXX I received an email from my Citibank credit card informing my that my account would be closed at the end of XXXX, my card expiration date, because according to them, I was " currently enrolled in a repayment program for this account or another credit card issued by Citi ''. I knew this was an error since all my credit accounts are in good standing and none were in repayment plans. I called Citibank to learn more and explain that I all my accounts were in good standing. They said their information about the closure was proprietary and they could not help me until my account was actually closed. I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Citibank saying they received the XXXX complaint and their subsequent investigation indicated that my Macy 's credit card, issued by Citibank, had a prepayment agreement and the account any my case had been closed with no change plans to close my account. I called Citibank on XX/XX/XXXX and spoke to customer service agent XXXX. I explained that I pulled my credit report from all three credit bureaus to see if there was any indication of fraudulent activity, since I knew I had not authorized a repayment agreement of any kind. I told her that neither my records nor credit reports supported their claims of any repayment account with Macy 's or anyone else. She said shed re-open the account and put a note in. She sent re-review request to XXXX and said he would review and contact me via email and call ( I requested a call ) within two days. I never heard from him.
The XXXX sent me an email on XX/XX/XXXX asking me if it had been resolved. I indicated it was not resolved because my account was still being closed due to erroneous claims and requested it remain open until everything was cleared up since I had not been given any proof supporting their claims. On XX/XX/XXXX I received a call from XXXX at the Citibank Executive Response team asking why my XXXX complaint had not been closed. I again asked for information/proof regarding Citibank 's claims. XXXX said he could not provide any proof because those were internal Citibank records. He did say he could tell me that repayment account was established XX/XX/XXXX from XX/XX/XXXX whereby it was agreed that a payment would be made in the amount of {$29.00} per month paid to pay off of {$190.00} balance. He said his records indicated that I made an agreement with collections about this. I told him I have never carried a balance on my Macy 's account and my credit reports supported that I always paid balances off completely. I also I told him I have never spoken to any collections department or made any such agreements and even their numbers didn't make sense because that would mean a total payment of {$580.00} over 20 months to pay off a tiny {$190.00} balance. He said he'd contact Macy 's Executive office and get back to me by the end of the following week. I never heard back from him. I contacted Citibank to follow up on XX/XX/XXXX and spoke to XXXX. She said my case with Citibank was closed and there was no record indicating that anyone was supposed to be following up on the issue. She said she'd speak to a Macy 's Analyst and call me in two days. I never heard back from her. I called Citibank again on XX/XX/XXXX and spoke to XXXX. She said there were no records of a call on XX/XX/XXXX or any follow up. She also indicated there was a note sent to Macy 's regarding the issue and she would send another note asking Macy 's to call me. On XX/XX/XXXX I received a call from XXXX XXXX at the Macy 's Executive office. After reviewing my records with her and confirming there was nothing derogatory, and not repayment agreement, she said she'd reach out to Citibank to get more information on their claims. On XX/XX/XXXX I received a call back from XXXX XXXX at Macy 's. She said she was unable to get a hold of XXXX at Citibank and they would not give her information regarding my case. She said, however, that Citibank said they would review the case again and contact me. In the meanwhile she would send a letter confirming that my Macy 's account was and has always been in good standing and there was no repayment agreement in place. I waited several days but never heard back from Citibank. I called Citibank on XX/XX/XXXX and spoke to XXXX. She said she'd have XXXX, the case manager, contact me. I received a call from XXXX at Citibank 's Florida Executive office on XX/XX/XXXX. He said my Citibank account was closed because they never received documents from Macy 's indicating my account with them was in good standing. On XX/XX/XXXX I saw that a payment in the amount of {$5500.00} ( my entire balance ) had posted to my Citibank account on XX/XX/XXXX. I called Citibank customer service on XX/XX/XXXX regarding the payment since I had not authorized any. Citibank said the payment was a " Bill Pay '', not " Auto Pay '' payment originating from one of my XXXX XXXX ( XXXX ) checking accounts. He gave me the last 4 of the account where the payment originated and suggested I follow up with my bank. I called XXXX and customer service agent XXXX said they had no records of any pending or posted payments to Citibank. I followed up with Citibank the same day and let them know XXXX could not find records of the payment. This time I was told by customer service agent XXXX that the payment was not coming from my XXXX, however she would not provide any information regarding what bank or bank account the payment was coming from since she could not ascertain that the account the payment was coming from was in fact owed by me. I told her I must have a right to know who and how my account was paid. She iterated she could not give me more information. She said she would request an investigation and someone would get back to me in 7-14 business days. I explained the issues with my Citibank account being closed and my suspicion that something was strange was going on. She the said that she did in fact see records indicating that Macy 's had contacted Citibank and their records indicating a repayment agreement account were made in error. This came as a surprise since I had been told on XX/XX/XXXX by the Citibank Case Mgr XXXX that my account was closed because they never heard from Macy 's clearing my account history. It appears from the constant obfuscation that there is something strange, potentially fraudulent, going on on the side of Citibank. I suspect there is some sort of discrimination going on.
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| 10/06/2020 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Citi failed to provide the advertised bonus ( {$400.00} in my case ) upon satisfying the requirements set forth in both the advertisement and within the Terms and Conditions of the offer.
Citi Advertised a new account bonus for certain checking / savings account openings with the bonus level depending on the amount of initial funding. I have attached a copy of that offer.
I am an Eligible consumers as defined in the terms and conditions.
The requirements for qualifying for the bonus are as follows ( as set forth in the terms and conditions attached ) : Required Activities If Eligible Customers open their eligible accounts by any other means than those described, they will not be enrolled in this Offer and will not be eligible for the Cash Bonus.
Eligible Customers must : First, open a new consumer regular or interest checking account between XX/XX/XXXX and XX/XX/XXXX in an eligible Account Package listed in the Chart below ( Eligible Checking Account ). Certain Cash Bonus offers also require opening a new Citi Savings Account ( see Chart below ) in the same account package as the new Eligible Checking Account ( Eligible Savings Account ). The Eligible Savings Account must be opened within 30 days after the checking accounts Account Opening Date.
Second, enroll in this offer at the same time as account opening pursuant to the instructions provided. Customer is automatically enrolled when applying online Third, any owner of the eligible accounts must make at least the Minimum Deposit ( see Chart below ) in New-to-Citibank Funds, within 30 calendar days after the Account Opening Date of the checking account, into either the new Eligible Checking Account and/or the new Eligible Savings Account. Multiple deposits allowed.
New-to-Citibank Funds are 1 ) funds deposited from external accounts or payees other than Citibank , N.A . and 2 ) must be deposited using domestic ACH transfer, Direct Deposit, checks drawn on banks other than Citibank , N.A . or wire transfer. Cash deposits, Citi Global Transfers, international ACH transfers, and person-to-person transfer services such as XXXX XXXX, XXXX, XXXX, and XXXX, do not qualify as New-to-Citibank Funds.
Fourth, the Minimum Deposit ( see Chart below ) must be maintained for 60 consecutive calendar days from the date the Minimum Deposit is met ( Minimum Balance ). The Minimum Balance may be held entirely in one of the Eligible Accounts or across both of the Eligible Accounts.
Note : If you choose to keep your entire Minimum Balance in one account, any account that maintains a zero balance for 90 days is subject to closure in Citibanks sole discretion.
I have satisfied each of the four requirements ( statements attached ).
I applied online and opened both a new interest checking account and savings account online on XX/XX/XXXX, satisfying requirements one and two. I funded those accounts that same day with {$17000.00} using a domestic ACH from a XXXX XXXX checking account, satisfying the third requirement. Finally, I maintained at least {$16000.00} in the accounts for 60 consecutive days ( as seen in the attached statements ), never going below {$16000.00}. I withdrew all of the funds from both accounts and closed the accounts ( so not to be subject to the monthly account fees ) on XX/XX/XXXX, ( 66 days ) in order to use the funds towards a down payment for a condo, satisfying the forth requirement. These four items were all of the requirements, see attached terms and conditions. There was no requirement that the account be maintained for some ~ 150 days ( 60 days plus 90 days for the bonus ).
I spoke to teller when I closed the account and she informed that because I was not keeping an open Citi account, I would not be eligible for the advertised bonus. I similarly discussed the issue with the online chat agent ( transcript attached ), thinking the teller was mistaken. I was surprised when he told me the same thing. I tried to call Citi but was unable to connect due to long hold times. Both Citi agent said that there is some additional and undisclosed requirement that the consumer must maintain an open account with Citi well beyond the 60 days in order to receive the bonus. This is not a stated requirement and is not otherwise disclosed. This interpretation of the requirements does not appear to be a one-off training issue specific to a given agent, but rather a systemic issue with potential significant XXXX / compliance gaps.
Section 1030.8 ( a ) of Regulation DD specifically states an advertisement shall not be misleading or inaccurate ....
Under Citi 's interpretation, it appears there is at least a violation of 12 CFR 1030.8 ( a ) ( 1 ), as shown in the attached advertisement.
The Dodd-Frank Act prohibits any covered person or service provider from engaging in any unfair, deceptive, abusive act or practice.
A practice is unfair when it is 1 ) likely to cause substantially injury to consumers, 2 ) is not reasonably avoidable by consumers and 3 ) the substantial injury is not outweighed by countervailing benefits to consumers or competition.
A practice is deceptive when 1 ) it misleads or is likely to mislead the consumer, 2 ) the consumer 's interpretation is reasonable under the circumstances, and 3 ) the misleading act is material.
In determining whether the statements were deceptive, it is appropriate to consider how consumers acting reasonably under the circumstances would interpret their meaning. In re Thompson Med. Co., 104 F. T.C. 648, 788 ( XXXX ).
An interpretation is reasonable if it would be shared by at least a significant minority of reasonable consumers. See In re POM Wonderful, 2013 WL 268926, at *19 ( F.T.C. XXXX XXXX, XXXX ).
The overall net impression of the advertisement is that consumers would receive the promised bonus if they are 1 ) new consumers, 2 ) who funded the account with new money to Citi, 3 ) for the given funding levels and 4 ) maintained the funds for at least 60 calendar days. Neither the advertisement nor the terms and conditions make a representation or provide for a requirement that the Citi account needs to be opened until receiving the bonus, as a condition of the bonus offered.
The terms and conditions lists four requirements under required activities, without any additional requirement or specific exclusion. As evidenced in the attached, I satisfied each of the four required activities and expect Citi to uphold its end of the bargain and provide the promised bonus provided as inducement to open the accounts.
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| 05/29/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Hello, On XX/XX/XXXX, I opened a Citi Gold Account at a local branch ( XXXX XXXX ). The Offer that I received by mail ( offer number/ invitation code : XXXX ) stated, that I could get up to {$700.00} in cash if I met certain requirements. I chose to open a Citi gold checking account, spending {$1000.00} within 60 days and paying 1 or more bills for two consecutive calendar months. The offer states : " If you Fulfill the required activities for this offer and are eligible under the qualifications of this promotion then the cash bonus will be credited to your new Citibank checking account within 90 calendar days from the date when you completed all promotion requirements ... ..The amount of cash bonus credited will be based on your account package at the time of qualification. '' Following the rules, I spent more than {$1000.00} and paid two bills by XX/XX/XXXX. On XX/XX/XXXX ( can't remember the exact date ) I called to verify if I met all the requirements and should expect the {$700.00} bonus. A representative said that yes, My account was Citi Gold checking, I have spent {$1000.00} ( qualifying transactions ) and made bill payments for two consecutive months. Since I made all the requirements, I switched from Citigold checking to basic Banking ( it had $ 12 monthly fee vs {$30.00} on Citigold ) and just waited for the bonus. On the XX/XX/XXXX, I received a {$50.00} bonus from Citibank on tho my account, which is {$650.00} short from the promotion promised. I contacted the bank on the XX/XX/XXXX about the issue and a day later on the XX/XX/XXXX received a reply : " Thank you for your inquiry on XX/XX/XXXX regarding your Checking account number ending in XXXX. We have completed our research and the results are as follows : We have confirmed that your account has met the necessary requirements to qualify for Promotion XXXX. Please allow 90 days from the date of the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. Thank you for participating in Citibank 's promotion. '' This answer didn't answer the question since I was suppose to get {$700.00} and I had to contact again on the XX/XX/XXXX. Two days later I received a reply : " Thank you for your inquiry on XX/XX/XXXX regarding your Checking account number ending in XXXX. We have completed our research and the results are as follows : Our records indicate that your account was credited {$50.00} on XX/XX/XXXX, for meeting the required terms and conditions for Promotion XXXX. The terms and conditions of Promotion XXXX are as follows : Open a Regular Checking account in the Citigold Account package by XX/XX/XXXX. Within 60 days after account opening, complete one or more qualifying bill payments for two consecutive calendar months and spend the {$1000.00} required minimum amount on purchases using your Citibank Debit Card. Only targeted Primary Cardholder is eligible to receive this offer and must be enrolled in eCRM to receive incentive. Unfortunately, your account does not qualify for the promotion because the required debit card purchase were not made within the stated timeframe. '' Banks discovery is false! -They state that I haven't spent {$1000.00} within the timeframe ( Why would they credit me {$50.00} if I didn't??? ) -I have recalculated several times and always get a number above {$1000.00} ( please see below and will be attaching a TXT document ) -They rewarded me with {$50.00} like I opened Basic Banking checking account ( I have a document that I opened a Citigold checking ) I want to ask you to investigate and present this to Citibank, as I have used all means of communication, was denied twice and this has been going for more than 6 months. Appreciate you time and help. Thank you. Cleared XX/XX/XXXX Deposit XXXX # XXXX XXXX Cleared XX/XX/XXXX Interest Payment XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Bill Payment XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX Bill Payment XXXX XXXX XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Transfer From XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX # XXXX XXXX Cleared XX/XX/XXXX Interest Payment XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Bill Payment XXXX XXXX XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX Bill Payment XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX Deposit XXXX # XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Transfer From XXXX Cleared XX/XX/XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX Promotional Rewards Credit XXXX Cleared XX/XX/XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX Monthly Service Fee XXXX Cleared XX/XX/XXXX Monthly Service Fee XXXX
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| 04/28/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2022 I was a victim of a scam that resulted in an unauthorized wire transfer of {$4100.00}. I understand that scams and fraud happens often. However, what makes this incident frustrating for me is because I bank with Citibank which is where the money was taken from. The manner that Citibank is handling the incident was questionable from the beginning. On the day the money was wired out I received an email from Citibank alerting me that fraudulent activity was taking place on my account. There were two emails sent minutes apart. One email alerted that someone was trying to wire money out. The second email was letting me know my passcode was successfully changed. I immediately called Citibank from my work phone as my cell phone was experiencing limited service. At the time I contacted Citibank there were no funds removed from the account. I spoke with three representatives one of them was from the fraud department. I expressed that I did not authorize any activity on my account and that it was not me changing any passcodes. I only received assistance changing the passcode back from when it was changed by the unauthorized individual who hacked my account. No representative took the matter serious despite knowing that a great amount of my personal information was breached. An hour after that conversation I received another email from Citibank informing me the wire transfer was authorized. I spoke with multiple representatives none of which were any help. The customer service has been terrible during this entire ordeal. I was informed that an affidavit would have to be completed and signed to open an investigation. I completed and signed that affidavit on XX/XX/2022 and took it to a Citibank branch where it was notarized and faxed by the branch. However, upon reaching out to Citibank to check the status of the investigation I come to find out they have not proceeded because they are saying they didn't receive the affidavit. Then, on the same phone call I was informed the affidavit was located. I called again XX/XX/2022 to check the status of the investigation and was informed again the affidavit wasn't received. I faxed and emailed the document myself the same day. I called the morning of XX/XX/2022 to confirm they received the fax and or email. Despite my confirmation the fax was sent successfully and having the proper email I was informed they still haven't received it. I recently realized that I have to verify myself using a different security measure my phone number can not be used to verify my account. I inquired why my phone number was no longer good enough. I asked did they find out that my phone service had been scammed. As I believe that through XXXX XXXX my sim card was hacked leading to the breach. However, I was informed by the rep that she could not give me that information. Even though I verified who I was. When I questioned why not because you have verified me the rep still did not give me any information on it. This has me believing they know more than they are telling me.
What makes this all even more suspicious is because when I speak and have spoken to the representatives they are inconsistent, they never know what's going on, I am on the phone each time 45mins or greater with no resolution. I spoke with one rep who was transferring me to a supervisor handling unauthorized wires. Upon transferring the rep warned me that the wait would be significant as this department has high call volumes. That startled me because that makes me question Citibank 's ability to protect their customers from scams and fraud. What efforts are they really putting forth? How can someone wire money out an account that's not their own despite security measures? Furthermore, I have been mishandled and its increasingly frustrating dealing with reps who are unknowledgeable about my situation, despite looking at the information in their system. This is unfortunate and scary for the many people that bank with this institution. Citibank has done the bare minimal to help me recover my funds that they allowed to be taken. Even with finding out they are not receiving the banks nor my fax/emails their best advice for me was to return to the branch and have them fax it again and make sure the investigator has it before leaving the branch. Not to mention they are rude and inconsiderate. Citibank has allowed XXXX to be wired from my account while I was on the phone with them responding to the many emails I received regarding this wire transfer, despite my diligence in calling to report the fraud prior and during this incident. What benefit is it to be with a bank that has a security measure set up that they don't honor? Then proceed to treat a long time customer as if I stole my own money. Furthermore, to carry on as if they could care less about the significant of the matter. I informed them it was not authorized and they still allowed my money to be removed out the account. I am a XXXX XXXX with XXXX small children and I was saving the money up to put to purchasing a home. This situation has truly devastated my life and changed many things. They don't see nor care to consider how difficult it is to be going through something like this. Especially when security measure where in place and followed through and my money was still able to be removed out my account. What should have been a good catch or a close call turned into an unfortunate situation due to Citibank 's carelessness to protect their customers account properly. I am starting to believe rather than handling this situation effectively and timely they would rather stall me out to a point the investigation will close to avoid refunding me. I believe there are many others who bank with Citi who this may have happened to in one way or another. They might have experienced the stress and loneliness I feel going through this with Citi. I believe others should know they are not alone. Furthermore, living in a world were having a bank account is necessary people should be made aware of the banks they are trusting to securely hold/handle their money. Now upon reaching out to Citibank for update on my open investigation I found out they denied me. Their reason being I failed to protect my identity. However, I was never including in the investigation no statement taking from me etc. I feel this investigation was not completed appropriately because Citibank doesn't want to take accountability for allowing my money to be taking despite me telling them I didn't authorize any transactions.
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| 07/20/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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COMPLAINT : My complaint to the Consumer Financial Protection Bureau is to express concern that a credit card group can conduct inappropriate business tactics based upon their opinion that fraud is not possible in a marital situation. Citibank Sears prior CFPB response was, We consider this a civil matter and suggest you find other resources in seeking restitution. It is bad enough that identity theft has a devastating impact on an individual but it is made much worse when a credit card group takes advantage of the fraudulent situation by threatening a card holder to pay for someone elses crimes. Being an identity theft victim is difficult, but the real damage is inflicted by a credit card company who tries to steal ones future with negative credit reporting in spite of the fraudulent facts. I can provide detailed evidence supporting these issues. My concerns needing to be reviewed by CFPB to protect innocent consumers : 1. Citibank Sears MasterCard is still trying to collect on my fraudulent account while withholding actual authorized user application documentation. It was in the application processes in three other credit card accounts in my name that proved to be fraudulent of this four way scam. Those three companies dismissed the fraudulent debts and removed the negative credit reports against me. Their results alone prove the Citibank Sears marital claim is a false premise!
2. In spite of all the fraud evidence given by the other companies and additional evidence provided by me, Citibank Sears team is in denial - a myopic view beneficial to them! They refuse to accept the documented evidence of a con artist who is a serial identity thief targeting four credit card accounts in my name the typical repetitive behavior of a con artist serial identity thief.
3. As long as Citibank Sears MasterCard intentionally refuses to provide their authorized user application documentation, there is no fair resolution to this issue. The other three credit card companies in this scam ( both existing and new accounts ) discovered fraud in their respective application processes. This would explain Citibanks refusal to provide the actual application documentation including requested details of contact information, the completed forms, the source computer IP address, and my fraudulent authorization. These were all relative factors in the other investigations.
4. Citibank Sears resisted with subterfuge providing my statements for seven months until I appealed to their presidential office. Once received, the Citibank Sears statements in my name had the same trends of reckless spending, paying minimums, and maxing out the account as the three other fraudulent credit card statements. Combined balances on all the statements were over {$25000.00}.
5. Citibank Sears team is aligning itself with a documented identity thief by not wanting to find fraud or allowing me to review the applications allegedly authorizing use of my credit card. This type of behavior encourages identity theft by crooks.
6. If anyone was added to my card, it was without my consent or knowledge and is consistent with the other three fraudulent accounts fake methodology. This is what con artists do! Identity thieves tend to be repetitive according to experts and in this case has rung true.
The Fair Credit Reporting Act rules define I am entitled to my account information from the credit card company. I have requested these applications for a year, but Citibank refuses to provide. In my prior XX/XX/XXXX CFPB complaint # XXXX, Citibank claimed they provided those applications in their XX/XX/XXXX response to CFPB, but no actual authorized user applications are apparent within their written response. This is a similar tactic used to avoid providing my statements for seven months. It was in the other three credit cards application processes where fraud was determined by three independent credit card investigations. I have provided the written evidence of con artist fraud by the other credit card companies to Citibank.
Referencing prior complaint # XXXX against Citibank Sears MasterCard in denial of fraud in their attempts to collect fraudulent charges in my name -- In effect they have deliberately hampered investigation into my account by delaying providing statements for seven months and have refused to provide any authorized user applications or proof I gave anyone permission to use my credit. Their CFPB deflective response is that fraud is not possible in a marital situation which of course is not true! Their CFPB response statement, We consider this a civil matter and suggest you find other resources in seeking restitution. This view is in opposition to the conscientious results by the other three credit card groups finding fraud. They did not stealthily hide behind Citibanks marital misstatement. Citibank completely disregards all the criminal identity theft findings and wire fraud discovered by the other three credit card companies by a documented identity thief. Written copies of that and additional evidence have been given to Citibank by me.
Additional evidence given to Citibank Sears includes account statement spending comparisons. My account statements finally provided are consistent with the same fraudulent item spending, paying minimums, and maxing out the account trends as the other three credit card fraudulent charges over time. Expenses and payments were juggled between all four accounts until they were all maxed out some in collection! Evidence that all these accounts were hidden from me have been given to Citibank.
Citibank Sears has submitted to me another settlement letter offering to settle for {$2300.00} payoff of a balance of {$5900.00} which of course I have rejected due to this is a criminal identity theft balance like the three other cards. During the same time frame, even a different Citibank team, Citi XXXX XXXX, determined fraud in an application for a new account in my name.
I have received a XXXX credit report updated XX/XX/XXXX by Citibank reflecting this account as an adverse account. Citibank has not reported it to XXXX as a disputed adverse account as they committed in their XX/XX/XXXX, CFPB response.
Appreciate any help and guidance by CFPB to bring this issue to an honest closure protecting innocent consumers.
___________________________________ Attachments ( one PDF file including ) : Initial XX/XX/XXXX FTC Identity Theft Report XX/XX/XXXX Citibank Sears Settlement offer letter XX/XX/XXXX My letter response rejecting settlement
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| 07/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have been a Citi credit card customer for 20 years. I am getting ready to close on a rental property I own, and so have taken the unusual step of maintaining a balance to cover repairs etc. until the house closes. I had an Autopay set up ( for years, which I suspect was the problem ; my guess is that I've had the card on Autopay so long that they've changed their platform and the old Autopay doesn't talk nicely to the new one ) to pay my total balance monthly. This spring, I changed the Autopay to pay only the minimum payment temporarily. This resulted in a situation where BOTH Autopays were in effect, but I had the ability to only SEE or CHANGE the minimum balance one on my online account ( which was true, apparently, for the first-line customer service representatives as well ).
In XXXX of XXXX, both payments ( the minimum payment and the total balance of around $ XXXX ) posted, causing an overdraft at my bank ( which I never have ) and great anxiety and shock. I called immediately, and they started a process to refund the balance payment. I was told it would take " 3-5 days '' to process the refund, but it turned out that the 3-5 business days was the requisite time to APPROVE the request, and the refund did not post until two weeks PAST the approval. I called multiple times during this process.
I have kept a tight eye on this situation since then. Prior to my XXXX payment posting, I checked on my account, and noticed that while Autopay was set up to only pay the minimum payment, there was a statement on the landing page that told me that my " total payments of $ XXXX '' would be posting on XXXX. I called Citi in an absolute panic. The customer service representative told me that " I can see everything that is there, and I understand why you are concerned, but I promise you that only the Autopay of your minimum payment will post on the 5th. '' I asked what would happen if he was incorrect, explaining that I could not handle floating this much money again, and he said he would make a notation in my account that I had called, just in case.
On XXXX, over $ XXXX was posted to my bank and once again, I was hit with overdraft fees and a situation of anxiety and panic - covering this much money is a massive hardship for our family. I called Citi at XXXX XXXX. on XXXX, and the representative could see the multiple payments debited, but AGAIN SHE COULD ONLY ACCESS ONE AUTOPAY. She elevated me to - what was described as " collections, '' which didn't make a lot of sense, but the ( domestic ) gentleman there said that he was able to see and remove the older autopay.
I was so upset on this call. The first time this issue occurred in May, I took responsibility ( although it was not my fault ). The second time, especially after I had called and was given the guarantee that this would not happen again, I expected Citi to take responsibility for making it right. All of the reps I spoke with were polite. None of them seemed to have the ability to do anything about it.
The person I spoke with the night of XXXX told me that my refund would be " expedited '' and that the money would be in my account in 3-5 business days. I explained that that had been what I had been told before, but my experience was that the actual process seemed to be 3-5 days for approval, with a letter following, and then the money returned in a couple of weeks. I told him that this time that was not acceptable, that because this was Citi 's error they needed to be responsible for returning my money more quickly. He promised the money would be back in 3-5 days this time and he told me he would have a customer service rep follow up with me.
I was called on XXXX at XXXX by another rep. The conversation we had was similar in both theme, complaints, and plan as the conversation I had with the collections person the night before. She told me that she would make sure this was expedited, and that it would be XXXX business days for me to RECEIVE my money.
It is now XX/XX/XXXX and the money is still absent. I received the same letter this week that I received in May, stating that " We're verifying recent payments on your account so we can process your request for a refund. Please allow 10-14 business days for us to respond to your request. '' I can not explain how stressed and angry I am.
I called yesterday morning and spoke to a supervisor in the customer service department. He explained that the review of the refund request would be completed by XX/XX/XXXX, and that I should expect the money within 2-4 business days after that time. When I told him about the two calls on XXXX and XXXX, explained that both of those reps had told me the request would be expedited, and that I had clarified to both of them that I needed the MONEY in that time frame, not the APPROVAL in that time frame, he said, " Oh, it looks like in the notes the second person you talked to called and couldn't get you on the phone, so they left a voicemail on the 7th telling you they were sorry that they couldn't expedite the claim after all. '' I first said, " What? I answered every call I got! Maybe it was later that afternoon? '' And he said, " Yes, that afternoon. '' I then checked my call log and told him I had no calls or voicemails on the 7th other than the morning call during which I had spoken to the caller. He then said, " Oh, ma'am, it was the 8th. '' I said, " I have no voicemails or missed calls on the 8th whatsoever. '' He then returned to explaining the refund process again. He did promise to contact their payment center to see if they could expedite the refund process. I have no hopes for this.
I asked if there was anyone else I could talk to, or if I could file a complaint with someone, and he said he could file a complaint on my behalf, which is what the rep said on XXXX.
It is not right that Citi would be responsible for this issue and then I would be the one who undergoes the financial stress, hardship, and takes the hit on the bank fees. I have tried to be very fair and understanding, and I have been polite and respectful and personally kind to the people who have to implement this system. But the system should be held accountable somehow and I just can't figure out how to penetrate it.
After 20 years, the second this rental sale closes, the very first thing I am going to do is to write a check and close my Citi account. I know they don't care, and that I'm a grain of sand on a large beach, but this is true malpractice and a betrayal of a customer relationship.
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| 01/31/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened an account with Citi XXXX as part of their promotion The terms stated the following : The more you deposit, the more you earn Chart MINIMUM DEPOSIT AND MINIMUM BALANCE CASH BONUS {$15000.00} - {$49000.00} {$300.00} {$50000.00} - {$190000.00} {$700.00} {$200000.00} or more {$1500.00} To enroll in this offer you must apply directly from this page. Opening an account does not guarantee that you meet eligibility requirements. We want you to have flexibility with this offer, so if you need to withdraw some of your funds during the balance maintenance period, just make sure you have at least {$15000.00} in your account to remain eligible to earn at least our minimum cash bonus of {$300.00}. See Terms and Conditions1 for full details.
New to Citi Checking Cash Bonus Offer 1 TERMS AND CONDITIONS You can earn a {$300.00}, {$700.00} or {$1500.00} Bonus by opening a new Checking Account, funding it with New-to-Citibank Funds within 20 days, and maintaining that balance for another 60 days.
Qualify So long as you have not owned a Citi checking account in the last 180 days, are at least 18 years old, and furnish or have a valid Form W-9 or Form W-8BEN on file with Citibank and are not subject to backup withholding, you can participate in the New to Citi Checking Cash Bonus Offer in select markets. Customers who open via phone or apply online with a residential/home ( not mailing ) address in an Eligible Location can qualify. Eligible Locations include Military Customers elsewhere in the Americas, Military Customers in XXXX, XXXX, XXXX or XXXX XXXX, AlaskaAK, AlabamaAL, Military Customers in the XXXX, ArkansasAR, American Samoa, ArizonaAZ, ColoradoCO, DelawareDE, GeorgiaGA, GuamGU, HawaiiHI, IowaIA, IdahoID, IndianaIN, KansasKS, KentuckyKY, LouisianaLA, MassachusettsMA, MaineME, MichiganMI, MinnesotaMN, MissouriMO, Northern Mariana Islands, MississippiMS, MontanaMT, North CarolinaNC, North DakotaND, NebraskaNE, New HampshireNH, New MexicoNM, OhioOH, OklahomaOK, OregonOR, PennsylvaniaPA, Puerto RicoPR, Rhode IslandRI, South CarolinaSC, South DakotaSD, TennesseeTN, TexasTX, UtahUT, Virgin IslandsVI, VermontVT, WashingtonWA, WisconsinWI, West VirginiaWV, WyomingWY and select markets in Florida and Illinois.
Certain Checking Accounts are eligible for the New to Citi Checking Cash Bonus Offer. Your new Checking Account can be in either the Citigold Account Package, Citi Priority Package, Citibank Account Package, or Basic Banking Package ( only Regular Checking available for Basic ) from the time you open your account until you receive your Bonus.
Checking Accounts that are living trust accounts and custodial accounts are eligible, but fiduciary, estate, business, retirement ( IRAs, SEPs, CESAs, money purchase pension plans and profit-sharing plans ), and other trust accounts will not qualify for this offer.
International Personal Bank customers are not eligible for this offer.
Second, so long as XX/XX/2022 has not passed, enroll in the New to Citi Checking Cash Bonus Offer on the same day you open your new Checking Account pursuant to the instructions provided. You can enroll online by clicking apply now and following the instructions for online account opening or by contacting a Citibank representative by phone and asking the representative to enroll you in the New to Citi Checking Cash Bonus Offer. However, if you open your account on citi.com by any other means than those described, you will not be eligible to earn the New to Citi Checking Cash Bonus Offer.
Third, on the XXXX Day after you open your account, we will check your On Deposit balance in New-to-Citibank Funds which will determine the Maximum Bonus you can try to earn ( Balance ). Your Balance must be held in your eligible Checking Account. As long as you maintain at least a {$15000.00} Balance every day for 60 calendar days starting on the XXXX day after your XXXX Day ( Maintenance Period ) you will remain eligible for a Bonus, but please understand if your Balance falls into a lower Balance Tier for even one day during the Maintenance Period, your Maximum Bonus will change ( see Chart ).
For example, if your Balance on the XXXX Day is {$200000.00}, the Maximum Bonus you can try to earn is {$1500.00}. If your Balance is {$150000.00} on day 45, however, the Maximum Bonus you can earn changes to {$700.00}.
New-to-Citibank Funds are 1 ) funds deposited from external accounts or payees other than Citibank , N.A . and 2 ) must be deposited using domestic ACH transfer, Direct Deposit, checks drawn on banks other than Citibank , N.A . or wire transfer. Cash deposits, Citi Global Transfers, international ACH transfers, international wire transfers, and person-to-person transfer services such as XXXX XXXX, XXXX, XXXX, and XXXX XXXX do not qualify as New-to-Citibank Funds.
You can not use a Citi Accelerate Savings Account or a Citi Savings Account to maintain your Balance as part of this offer and still be eligible to earn the Bonus.
XXXX Day means the XXXX calendar day after you open your Checking Account, but dont worry if your XXXX Day falls on a weekend or U.S. Federal holiday. If that happens, we will count the next Business Day as your XXXX Day instead. If you open your new Checking Account over the phone ( unless you use the XXXX process ), we will look at the XXXX Calendar Day to determine your Maximum Bonus.
I noticed back in XXXX that I was being charged fees and commented on the fees being charged, and the rep at the time stated it was a mistake and they would fix it. A couple months later I started to be charged the fee on a monthly basis again.
The bonus should have been paid out no later than XXXX and it never was.
I called again to attempt to remedy both issues ( the excess fees an the missing promotional bonus ). While speaking with the supervisor she realised that the representative I spoke with to open my account was opened the wrong account type. As a result the bonus was not paid out as it should have been. In addition I was charged {$30.00} fees each month in spite of meeting the monthly balance minimums. When I called Citi the supervisor told me I should have known that something was wrong by looking at the account statement because it states the account type. I'm not a banker or an expert on Citi account types, so I was not aware they had opened the wrong account.
The Citi representative was very rude and dismissive of my complaint so I felt no choice but to file with the CFPB because Citi was not resolving my issue.
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| 09/07/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Re : Citibank Credit Acct. ending in XXXX Hello, I apologize if this is overly lengthy but I like to be thorough ( and I sure hope there are breaks in paragraphs as opposed to the way it 's displayed in the review section ). Yet it is still not as thorough as I would like since the bank has completely shut me out from having any access to my account. I was initially keeping records of dates, contact names, etc, but this institution initially put me in a position where I felt comfortable enough that such notes were no longer necessary. And now they are refusing me access both electronically via the internet and via telephone. When I called them at the end of XX/XX/XXXX and after going through all the routine security questions, they refused to speak with me about my account ( never in 55 years have I had a bank refuse to give me *any* information about my own account ).
Earlier this year, due to a drastic reduction in income, I fell into delinquency on this account. After some discussion, I came to an agreement with the bank that the account would be closed and that I would be put on a payment program wherein I would pay off the balance over a period of 60 months, at $ 151/month. Frankly, I was stunned by the generosity of the 0 % APR they gave me.
Because they have now put me in a position of blindness where I have virtually nothing to refer to in order to provide you with an accurate account ( apparently statements have stopped coming as well ), I 'm going to jump ahead a couple of months to the most recent development. I received an email from my credit reporting alert service that potentially negative information had been recently been reported to the credit bureaus. I logged in to find that my balance had been " charged off as bad debt. '' This was reported to XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, respectively. It was easy to figure out that this also meant my payment program was terminated.
I am convinced that if it were n't for this reporting service, I would still be unaware that any of this had happened, as to this moment I still have received nothing to this effect from the bank. Prior to setting up the payment arrangement, I recall being badgered by the bank constantly in the form of electronic account alerts, phone calls and letters that I needed to act. Yet now, when I could have used some of this badgering to let me know what was happening and even prevent it from going as far as it did, they kept me completely in the dark, not communicating with me by any means to make me aware of the situation - still have n't. And still wo n't.
Let me try and piece together what led to this. With the help of a relative, I have recently set up an arrangement in which these monthly payments were to come out of a trust fund. {$150.00} was to automatically be sent out on the XXXX of each month ( the due date being the XXXX of each month ). I was given the impression that the first payment was to go out on XX/XX/XXXX. Only through investigation as a result of the credit alert did I discover this payment never went out. Through either computer error or miscommunication, the first payment was programmed to go out on XX/XX/XXXX( once this had all been discovered, the managers of the fund offered to expedite the payment, but I instructed them to hold off on it so I could see where I stood with the bank and what that payment would do for me, if anything. But as stated earlier, when I called last week, they refused to speak to me. I know this might be hard to believe, but rep after rep after rep in various departments literally would not tell me a single thing about my account ( should they deny this, I will address that claim then ).
I am aware that as a result of my own oversight, I submitted a prior payment one day late. And I am also aware through discussion of the terms of the agreement at the time that two consecutive missed payments could result in removal from the payment plan ( though there seemed to be some discrepancy between a " late '' payment and a " missed '' payment ). I also know that yet another payment that I paid at a Citibank branch itself on the due date itself may have inaccurately been posted as late ( I know it had to be before the cutoff time of XXXX XXXX because that is when the branch closes! ). But as I said, I have denied access to anything I could refer to give you more detailed information.
But this really goes beyond the two late ( " missed ''? ) payments. Where was any kind of notification or warning from the bank? All the badgering I got prior to the agreement? Why was I kept so in the dark until it took a credit alerting service to make me aware of how far it had gone? Why am I still being kept in the dark to this very day? With a little communication, this could have been resolved before it went off the rails entirely. And from that point on, payments would have gone out on time like clockwork for the next five years. Instead, what started out as a generous resolution from the bank has now unnecessarily become a ( possibly irreparable? ) nightmare.
The people who manage the fund ( who I 'm choosing not to name for the time being because, as is stated below this form, I am allowing this to be published publicly ) said they would like to write an official letter explaining their involvement. They seem to think they can get the plan reinstated. I want to hear what the bank has to say first. I also want access to my account returned to me so I can get my facts straight. I like to have my facts straight. I am especially appalled by this aspect of the whole thing - I can not get access to anything that will tell me what payments were received, how they were submitted, when they were posted, etc ( I do recall, before I was shut out completely, seeing a {$45.00} payment posted that I could n't make heads or tails of - I do n't even know where such a figure came from ).
If I were to give the managers of the fund the go ahead to write the bank a letter, I would want to make sure it goes to someone in authority as opposed to some standard dime-a-dozen rep who has no power to do anything. I figure that if this submission does nothing else, it will at least put me in touch with whom that person might be. And as far as any authority that the CFPB has over the bank, I believe they should be made to answer to why they have refused me access to information that I have every right to see. I have to wonder if they have in some way violated some law or regulation.
Thank you, XXXX XXXX
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| 10/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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RE : Citicards Dispute Resolution Case XXXX Dear Sir or Madam : On XXXX XX/XX/XXXX I opened an online dispute with Citicards : XXXX.
I had been fraudulently billed by XXXX XXXX XXXX XXXX, a XXXX, AZ merchant with whom I had been conducting business. The merchant fraudulently billed {$4400.00} to my account. I was sure the charges were fraudulent so I requested multiple times from the merchant an explanation for the charges. The merchant refused to answer but to tell me, Its complicated.
I requested that my account be closed, that the evidence in their possession be returned to me, and that the {$3500.00} retainer I paid prior to commencing business also be returned to me. I was informed by the agent at XXXX XXXX XXXX XXXX that they would not close my account, return the evidence that was to be used in litigation in MN ( in which I am not a party ), nor would they return my retainer fee unless I paid the invoices. I had no choice but to pay the fraudulent charges. My account was closed on XXXX XX/XX/XXXX. I was told my retainer fee of {$3500.00} would be returned within the month.
To date, XXXX XXXX, XXXX, my retainer fee has not been returned to me and the merchant has collected on every fraudulent charge he made on my account -- {$7900.00}!! ( That includes the retainer fee ).
On XX/XX/XXXX I initiated the billing dispute with Citicards. I was unaware of any activity taking place with regard to the billing dispute until XXXX XX/XX/XXXX when I logged onto my Citicards account to schedule my payment. I pay my bills in full, each and every month. I also log into my account only once a month to schedule that payment. Due to COVID, I expected the dispute process would be long and time consuming.
I immediately contacted Citicard to ask why the charge of {$4400.00} was posted back on my account. I was told that it was because I had not responded to the letter that was mailed to me. I informed the agent that I had not received the letter. I also explained that our area has significant issues with not receiving our mail, but also receiving mail that belonged to others. Please see the attached Exhibit ; photocopy of two pieces of mail I received in my mail box on XX/XX/XXXX and XX/XX/XXXX. Astonishingly, one piece of mail was an Accurate Delivery Verification addressed to a person who lives within a few miles from my home. I am not familiar with the address where the credit card statement should have been delivered. Also find a copy of the XXXX XXXX XXXX credit card statement, belonging to my neighbor that was delivered in my mailbox on XXXX XXXX, XXXX. Obviously, I brought the first two pieces of mail to the local Post Office and the other piece of mail directly to my neighbor, Mr. XXXX. Mr. XXXX informed me that he too is very angry with our mail carrier because two months ago his pension check did not arrive, and after the Postal Service tried to track it, all they could tell him was that it was lost.
The Citicard agent I spoke with on XX/XX/XXXX told me not to worry ; I had some time leeway. He instructed me to submit any further documentation I had, including a letter from my attorney. My attorney examined the materials I was sending to Citicard then drafted a letter to Citicards confirming that my statements were truthful. I emailed all the new documents to XXXX. I later called and verified that the documents had been received.
As further documentation regarding the fraudulent charges was made available to me I also forwarded those materials to Citicards. Citicards could easily see that there was little to no doubt that the charges I incurred were fraudulent. I was informed multiple times by Citicard agents each time I called to check on the progression of my dispute that everything was fine, Citicards takes care of their customers, and all the fees would be reimbursed to meI did not immediately pay the {$4400.00} charge because I expected the dispute to be resolved in my favor. I was also told around the first week of XXXX that my dispute had gone into arbitration between the two financial institutions.
Imagine my bewilderment when I received the enclosed letter dated XX/XX/XXXX, informing me that because I had not respond before the first deadline of XX/XX/XXXX the dispute had been closed. All this time I had been told various falsehoods each and every time I contacted Citicards Dispute Center, leading me to believe Citicards was diligently working on my case.
Citicards Dispute Center, XXXX XXXX in particular, the person who was supposed to be handling my dispute and whose name appears on the correspondence from Citicards Dispute Center, does not answer her phone. The message the caller hears when dialing her number for help is that due to COVID, she is also not checking her voice mail. Citicards has made concessions for them during COVID, but has completely and utterly betrayed me as their longtime and moneymaking customerCiticards nets 3 % of my charges. See the enclosed Annual Account Summary for XXXX. I used to charge {$50000.00} to {$60000.00} annually on that Citicard alone. No moreCiticards no longer has my trust or my business. Citcards owed me a fiduciary duty to protect my financial interests when using their bank to conduct business. I have no control over the USPS. Though Citicards leaves their customers with no choice but to consent to their deficiencies during the COVID pandemic, they refused to investigate my dispute after I notified them that I had not received the one and only letter they sent to methrough no fault of my own.
Mr. XXXX XXXX, the CEO of XXXX XXXX XXXX XXXX has a very troubling past. He has more than a dozen LLCs with dozens of lawsuits filed against him in both XXXX XXXX AZ and XXXX XXXX AZ. Mr. XXXX had the brazen audacity to sell a phone number ( for $ XXXX ) to a law firm for a number he didnt own! See the enclosed email from the XXXX XXXX XXXX
I am requesting that the Consumer Financial Protection Bureau intervene on my behalf. I am not trying to evade valid charges. These charges are fraudulent. Citicards accepted from XXXX XXXX nothing but the same invoice it emailed to me, as confirmation that XXXX XXXX had performed these services. A fraudulent invoice doesnt verify that the charges on the invoice arent fraudulent! A further investigation should have been conducted after I sent numerous documents to Citicards corroborating my allegation of fraudulent charges. Citicard didnt want to do the work! They stuck me with the bill and walked away.
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| 01/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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Late XXXX of last year I opened an online account with CITI bank and did the initial funding of an amount {$20000.00} using the online ACH transfer at CITI bank website from XXXX XXXX using account number and routing, and I was surprised how quick and easy CITI bank XXXX service was, So I was thinking at that time why not transfer all the funds and close my previous XXXX bank account.
So I immediately added another amount {$10000.00} and was hoping that in a span of few days I will transfer all the funds over, I didn't want to transfer everything in one go because I'm always hesitated about online transfers, I have also transferred my direct deposit for my work paychecks to CITI.
Few days later I transferred {$20000.00}, and two days later I added {$10000.00} and {$30000.00} at the same time, At this point my XXXX bank account is almost dry.
The following day XXXX XXXX XXXX I got an e-mail from CITI stating that my account will close automatically within XXXX days and any funds remaining in the balance will be sent to you, If you wish to have access to the funds sooner go to the nearest branch and collect them, The only reason they stated for the closure of the account is that I violated their terms. I said alright they don't want my business, fine.
I called the number provided in the e-mail right away and I had to go through layers of XXXX and refusal to finally get to the XXXX and was told just to wait up to XXXX days and I will get a letter explaining all the details, no further details given, I then head down to the nearest branch and showed them the copy of the e-mail that I can collect my funds here, they said that's not true, your account is frozen and until it closes we can't access any funds, I had her call them and they told her the same thing that I have to wait, Don't know why the e-mail said I can do so.
In the weeks following the closure I kept calling them and every time I call I hear the same story, I grew anxious and impatient since I was in the middle of large spending projects, House repairs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I had no choice but to take a loan from a financial institution for {$30000.00} to keep going as I was on a brink of filing for bankruptcy while CITI holding my funds, But the loan was not enough I had to come up with more money so I went to my XXXX XXXX and asked them if they can reverse those transactions, They tried and they were only able to reverse the last two transfers $ 30k an $ 10k as they haven't cleared yet but the first XXXX transactions remain inaccessible, So at this point my account balance should be exactly {$50000.00}.
In the last few days of the XXXX days period I was given, I started to call and they started changing stories and I started to get suspicious, now they said it could take another month or so, Then I started to ask about the amount I'm going to get and that's when my suspicion is confirmed, I was told that the account is closed and we don't owe you any money, in another call the XXXX said that they don't know how much I'm going to get I just have to wait for the letter, but they never explained to me where the money go, or what's going on. I have statements from XXXX bank showing the dates of transfers and the exact amounts.
I went to the CITI branch and asked for a detailed transaction history, first the XXXX said she couldn't, but I begged her for help and she was able to pullup the transaction history and gave me a print out, I took a closer look at CITI statement and I could see one of my paychecks has been deposited for {$1400.00}, and another transaction made after the account closure of the amount of {$50000.00} and it says " Other debit ''. Oh boy, someone just drained my CITI bank account, Will they admit to it? the XXXX had one of the XXXX call them XXXX XXXX XXXX XXXX XXXX and asked them about that transaction and they admitted that the bank held that amount, I said why? They told the XXXX that money doesn't belong to me, I said what? then who that money belongs to? The XXXXt asked them my question and they said they don't have an answer for that, They told the XXXX that I will be receiving a paper check in the mail for the amount of {$10000.00}, What? I told the XXXX, I though they said the whole amount doesn't belong to me, I called immediately after I left the branch and asked them the same previous questions and they said they don't know, I said well transfer me to someone who knows, The XXXX goes, I'm the highest person you can talk to, I said, did you hold the money? They said no, I said then let me talk to the person who made that action, But none of them could explain to me why the bank took my money.
Few days later I got an e-mail from XXXX saying a package from CITI is going to be delivered tomorrow, I had some hope that they will fix the problem and I finally receive my full balance, maybe the agents don't have access to the full information, Next day on XX/XX/XXXX at about XXXX the XXXX XXXX rang the doorbell and gave me the letter, I opened it and looked at the amount on the check and a cold chill run across my body. The amount is exactly my deposited paycheck {$1400.00}, no more, no less, and the amount that is been held as I mentioned above is gone, not even the amount they claimed they are going to send which is {$10000.00}.
I logged into my e-mail and responded to the CITI XXXX e-mail stating that I have received a final check from you however it doesn't reflect the balance of my account at the time of closure, Before I seek legal advice I need an explanation to what happened to my account. I didn't think the e-mail accepts replies but I did it anyway out of desperation, Sure enough I got a response saying that they will look into the matter and get back to me " if a response is needed '' within XXXX days.
Few hours later I got a call from the XXXX office stating basically the same thing in the e-mail but at least a human that I can talk to, I told her I have proof of transaction history from both banks showing exactly where the money came from, She told me that she can see that looking at my account, I asked her, then why they are saying the money doesn't belong to me, She said she is expecting a response from them and once she gets that she will share it with me, and told me to just wait for the next XXXX days. But I'm not too hopeful that CITI bank is going to resolve the issue, I have all the evidence you need once we establish a way of communication.
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| 02/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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XX/XX/XXXX, I refinanced my home with CitiBank. The loan went through and I was faithfully making my payments, and I was even 2 months ahead on my mortgage payments. XX/XX/XXXX, I got a letter from HUD, stating that I owed {$15000.00} for a subordinate note, that I did not know I had signed in XXXX. I was threatened by XXXX XXXX at HUD, that she would send the lien to the Treasury Dept. to have my social security garnished until the loan was paid off. I didn't have the money to pay in full. I decided to refinance my home again, to pay off the HUD lien, and went through CitiBank, who was the current mortgage company. XX/XX/XXXX, I worked with XXXX XXXX, processed my application, took out of closing payment, and sent my application to processing. He also helped me find out who made the mistake when my subordinate loan was filed in XXXX by a CitiBank employee. CitiBank tried to blame everyone from Mortgage Solutions that handled the closing, title search, etc. XXXX XXXXXXXX did not find another lien, so my loan was processed XX/XX/XXXX. In doing more research, I find the name of the CitiBank employee that misfiled my subordinate lien under the incorrect name, so that is why XXXX XXXXXXXX did not find the lien signed in XXXX, which I didn't remember signing, or know what it meant when signed in XXXX. I had many errors committed by CitiBank in this new refinance in XXXX. I gave them my attorney 's name to get my loan information done correctly, and to make sure MY ATTORNEY did NOT find any other mistakes/liens that CitiBank or Mortgage Solutions did not find in XXXX when I refinanced the first time. When I gave the information to CitiBank, and the employee 's name that had made the error, they ignored everything I tried to give them. They could have offered no application fee, less on the closing costs, since the error was due to their employee. Instead, they kept making mistakes, which I had to pay for, for their employee 's error, and my attorney had to keep contacting them, or contacting me to get them to contact her, as they ignored her emails, and her paralegals emails. It took 8+ ( eight plus more ) to work on my one loan application. When the loan closed, Citibank did NOT pay off the old loan until XX/XX/XXXX, which they had the money on XX/XX/XXXX. HUD gave my attorney " in good faith '' that she would NOT report to credit bureau. She KNEW she was to get payoff of subordinate lien on XX/XX/XXXX, and on XX/XX/XXXX, she filed a damaging remark on my credit report, which immediately dropped my credit score from the high 700 's to the low 600 's. She filed it as a " charge-off '' and it was NOT a charge off. The loan was paid in full XX/XX/XXXX. She then put the damaging charge off information on my credit the day she got the payoff on XX/XX/XXXX. I had to go through XXXX to get the new refinance eventually processed and closed. My attorney said in the 30+ years she had been doing closing, she HAD NEVER, seen the trouble I went through, and the emotional, physical, mental ordeals this sloppy, lack of professionals did to refinance my home loan. CitiBank didn't send enough money to pay off the items that were to be paid off from the loan, so my attorney only got a partial payment, which didn't cover the items that were to be paid off. It took me looking up the CEO 's of CitiBank, sending them, plus the 8+ employees, managers, processors at CitiBank to get them to payoff my old mortgage, and get their " servicing company '' to add my new loan so I could pay the first payment. I had NO IDEA when my first payment was due, and the " servicing company - Cenlar, " couldn't help me because they didn't have the paperwork from CitiBank ''. I called at least eight ( 8 ) times every Friday for 5 weeks, from XXXX, trying to get help with the HUD situation XXXX and was transferred from one person to another, eight ( 8 ) different times. CitiBank caused me so much mental, physical, and emotional harm, having to deal with all of this. It was their error in XXXX, that made all this come out. I don't remember what I signed 7 years ago, much less what I ate for lunch today. I have gone through family losses, health problems, and hospitalizations, and then lost my mom. I had NO IDEA how I got from one day to the next, except that God got me through all this horrible mess with CitiBank and HUD. They wanted a review from me on how they did with my loan application, servicing, and closing. If I would have had the money, I would have gone elsewhere to get a new loan, had I known that I would be subjected to this kind of hassle and abuse. I want to file a complaint against CitiBank, XXXX XXXX XXXX, and XXXX XXXX at HUD. I feel I am owed some sort of compensation for all that they put me through, especially after losing my mom, and not even being able to grieve, because I was fighting to get the HUD situation fixed, and then finding out that it was a CitiBank employee that had made the mistake when filing the subordinate note in XXXX, and they would not even acknowledge their mistake. They could have made my refinance a little less stressful and horrible. They could have offered to not charge me a loan application fee, they could have paid more on the closing costs, especially knowing that their employee was the one that caused ALL of this to come forth. I want this put on my credit report, which I have filed a dispute for the derogatory remark that XXXX XXXX at HUD put on my credit report. I want an apology from XXXX XXXX at HUD, From EVERY one that touched my loan refinance of XX/XX/XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, and everyone else that drug their feet working on my loan, sending repeat requests for information they already had received, and then not paying off my old loan, and having my new loan added so I could start paying it! I will NEVER use CitiBank again, and once I can get back on my feet from this refinancing experience of XX/XX/XXXX, I will definitely be looking for another mortgage company. I used to talk highly of CitiMortgage/CitiBank, but NEVER again! This was one of the worst experiences I have EVER had in the 30 years that I have owned my home. CitiBank caused me another hardship that I am having problems paying due to their original mistake in XXXX. I will also go to the XXXX XXXX XXXX of NY and NJ, about CitiBank. I have saved emails from all parties involved in this refinance with CitiBank, and can send them sent to your company to verify this information that I have written here.
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| 03/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In mid XX/XX/XXXX, I was made aware that I was a victim of an internet scam by a company, " XXXX '', that was selling online business " mentorship '' programs. I used several credit cards to finance this mentorship program. 2 XXXX credit cards, 2 CitiCard credit cards and a XXXX card. Both XXXX cards and XXXX found in my favor and gave me a permanent reimbursement for the full amount of the original charges once I filed a dispute with them. They were very courteous and prompt in their responses.
CitiCard is the only one that has resolved the dispute in XXXX XXXX favor, the company that scammed me and thousands of other unknowing people out of hundreds of thousands of dollars.
I tried filing the dispute using the online website, but was instructed to call and speak to a dispute specialist. I called CitiCard on XX/XX/XXXX and explained my situation for which they instructed me that I would have to mail in the documentation before a dispute could be placed into their system. I followed CitiCard 's instructions and mailed a letter explaining my dispute along with a large report by the FTC explaining the investigation into XXXX and its shutdown due to it being a scam.
I called CitiCard three ( 3 ) times on XX/XX/XXXX and again on XX/XX/XXXX to follow up with them and make sure the paperwork had been received. They told me it was not in the system and to give it more time to be logged in. I called two ( 2 ) more times on XX/XX/XXXX and the documentation I sent was still not entered into the system. I was instructed to fax the information to them.
I faxed the information to them on XX/XX/XXXX and followed up with them again via phone call on XX/XX/XXXX, more than a month later. Again, I was told that the documentation was not logged into their system. I was instructed to mail the paperwork in for a total of three ( 3 ) submissions at this point.
I printed off all documentation again and mailed it with signature confirmation to CitiCard.
I called to follow up on XX/XX/XXXX and again on XX/XX/XXXX for which finally I was told all 3 submissions of my paperwork were received but not logged into their system. I spoke with an agent for almost an hour detailing every scam charge made on two ( 2 ) different CitiCard credit cards. I was instructed to call back in a couple of weeks to get an update of whether or not these charges would be in the system. As of the call on XX/XX/XXXX, the agent just documented all charges to be entered into their dispute system.
I called again on XX/XX/XXXX and spoke with an agent for almost 40 minutes before finally being transferred to the dispute department for which the dispute agent informed me that they were working on getting all of my disputes in the system, but because of the number of charges that it would be a slow process.
On XX/XX/XXXX I received notification via email from CitiCard that more information was requested into one of the charges I was disputing in the amount of {$2400.00} ( see attached letter from CitiCard dated XX/XX/XXXX. ) This notification requested that I provide the information within five ( 5 ) days or the matter would be resolved and closed in the merchants favor. I mailed their requested information to them three ( 3 ) days later to the provided address.
On XX/XX/XXXX I called to follow up with them regarding this one dispute for {$2400.00} and was told they were still investigating and that I would receive communication via email or when I logged into the website and visited the communications center. I noticed that this call and the previous one, the agent was rushed to get me off of the phone. The tone of the conversation was that I was not a valued customer and my concerns were not important.
On XX/XX/XXXX I received an email with the notification that my dispute had been resolved. The communication letter stated, Since too much time has passed since this transaction was billed to you, we aren't able to investigate this dispute, you will need to contact the merchant directly.
This statement of not being able to investigate was immediately follow by the statement, During our investigation, the amount of your dispute was temporarily suspended from the amount you owed and did not accrue any fees or interest charges. Now that our investigation is complete, the disputed amount will be included in the Balance Subject to Interest Charge on your statement.
On XX/XX/XXXX I called to understand why they resolved in the scammers favor as it was clearly stated in my letter that XXXX was shutdown by the FTC, and that I had tried contacting XXXX support and left a message and never heard back from them.
The agent first responded that the merchant couldnt be contacted and wasnt cooperating with them so I would have to try reaching out and settling this matter with XXXX. I then asked if they read the paperwork that I sent in saying that I had already tried contacting them, that the FTC had shut them down because they were a scam and therefore would not be reachable.
The agent then responded that since the dispute was outside of 120 days from date of purchase, it went against their policy. If that was the case, then the dispute shouldve been denied when it was first initiated, but it was not and CitiCard actually asked for more information from me to investigate further into the matter.
Secondly, I have another related dispute that was resolved in my favor for which the dispute was initiated 202 days after the date of purchase. The communication for this dispute once it was resolved in my favor, has the slogan, XXXX is at your side before, during and after every purchase. The communication for the dispute that was not resolved in my favor has no happy slogan of being by my side with every purchase. Hmm.
The call from XX/XX/XXXX ( today ) ended with the agent taking notes and would pass along these notes to have the dispute team reopen my case. I informed the agent I would be filing a complaint.
I have been dealing with this since XX/XX/XXXX and have cooperated with everything CitiCard has asked for regarding paperwork and documentation showing I was a victim of a scam. I have been patient with their process and lack of communication even when they rushed me to get information to them immediately or else my dispute would be closed in the merchants favor. I do not feel I have been treated fairly in this case and that it sets an unfair precedence into the other charges I am disputing as a result of XXXX 's scam.
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| 02/09/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I have been a Best Buy credit card customer since XXXX. XXXX was the bank that initially issued my Best Buy credit card. Around XXXX, XXXX XXXX acquired XXXX XXXX Best Buy credit card portfolio, and then just two years later, it sold it to Citigroup. Twelve years and three banks later, I never had an issue paying my Best Buy credit card. Even through the recession following the XXXX financial crisis and the four terrible years of the Trump administration 's repressive economic policies, which sought to make the rich reacher and the poor poorer, I kept making timely monthly payments, without fail. However, the COVID-19 global pandemic had a profound impact on my family and me. In its wake, I was left almost homeless and destitute. Like most Americans, I am now facing extreme financial hardship, barely surviving and struggling to provide for my XXXX young children.
Before the COVID-19 pandemic wreaked havoc in our lives, I had a XXXX and modest XXXX where I provided various XXXX XXXX to individuals and XXXX XXXX. The problems started right away in XXXX of XXXX with the implementation of curfews and restrictions. Once that happened, a lot of people, like myself, were put out of business. Not only was the person to person contact restricted and even wholly prohibited, but the demand for any kind of services dwindled because everyone limited their spending to the bare essentials. I immediately contacted Citi about the situation via their website. Phone service with Citigroup was not available for a very long time. Initially, I received minimum payment deferral for two months ( or two payments ). After that, I asked Citigroup for additional help via their website, but they refused to work with me. Instead of improving, the COVID-19 situation deteriorated for many people such as myself. I attempted to contact Citigroup by phone to talk to them about the financial hardship that I am facing. Still, I couldn't, because their customer service was overwhelmed with other customers ' phone calls. I logged on online to my account via their website and sent them multiple detailed messages. However, all I received were the letters that I attached to this complaint. No one from Citigroup wanted to work with me. Instead, Citigroup continued to add interest and fees to my account.
Citigroup closed my account without notice and removed my access to the online messaging system not to contact them via their website anymore. Finally, on XX/XX/XXXX, I got through to customer service via phone. The customer service agent that answered the phone spoke English with a strong foreign accent, and we could barely understand each other. He refused to provide me with his name and only gave me an ID number, namely XXXX. I had to make the agent repeat the numbers several times so that I could understand them. If someone listens to the phone recording, they will realize how poorly this man spoke English and how difficult it is for customers to obtain service from him. Judging from his rather bizarre behavior, I can only conclude that I talked to someone located in another country.
I explained that I am trying to work with Citigroup to make a payment plan because I face financial hardship. He told me to hold and transferred me to an " Account Specialist. '' This " Account Specialist '' said that her name is XXXX, and her ID number is XXXX. I explained to Mrs. XXXX that I have tried to reach out to Citigroup via their website and phone to tell them about my financial hardship situation. I could only send messages via their website and not speak with anyone over the phone. She apologized that they didn't have sufficient personnel but that they are available now. I explained to Mrs. XXXX from Citigroup that I was facing financial hardship and asked her if they were willing to work with me. She said that I would have to pay {$210.00} for 58 months and that only if I would pay this amount Citi would work with me. I asked her kindly to reconsider because Citi added about {$2000.00} in interest and fees after repeatedly telling them that I am facing financial hardship. Even worse, they added more interest and fees after they closed my account. She said that she noted my concern, but I would have to pay that as well. I kindly explained that I can not make that kind of monthly commitment and that I don't owe Citigroup {$12000.00}, but instead {$8900.00}. She said that I would have to pay everything with fees and interest, and if I don't, they will come after me and face legal action and severe consequences. Seeing how she was unwilling to work with me, I asked her when the account would charge off, and she said that she couldn't tell me. She said she made it very clear that Citigroup is not interested in working with me during my financial hardship and wished me good luck, and hanged up the phone.
I have to say that I have never dealt with a bank like Citigroup before. They did not want to work with me at all during my financial hardship. COVID-19 impacted most regular people in more ways than just economically. I am now facing XXXX XXXX XXXX, a XXXX XXXX in my XXXX, XXXX, XXXX, and no financial means to pay for medical treatment. As losing my job and a business that I loved is not enough, Citigroup is also threatening me. I repeatedly contacted them and told them about my problems. Not once did they even attempt to work with me? They did not offer me a decent payment plan option but instead inflated the amount that I owe them with interest and fees, just like predatory lenders do. When I spoke to Mrs. XXXX, she said they didn't even want to consider a settlement offer. I am sorry. However, I can not pay for everything that they want me to pay. Not only does Citigroup expect me to deliver everything that I owe them, but on top of that, they want me to pay over XXXX XXXX dollars in interest and fees. However, I told them about my financial hardship for months, and I repeatedly attempted to work with them to find an amicable solution to pay them. I have XXXX beautiful young children, and before my health, before anything else, they come first. It is of the utmost importance for me to provide them with a roof over their head and food on the table, even if I have to do it from a wheelchair. With that said, I am still desperately seeking to work with Citigroup to find a solution to pay them. However, I want Citigroup to treat me like a human being, rather than just another account number that they can milk into oblivion.
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| 04/05/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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Here is my side of the case to force me from my rural homestead : This started with the XXXX County Tax Appraisal District Corporation. Charges were put on a TAX STATEMENT that were questioned and when asked what the charges were for, I was ignored. I have had previous problems with the XXXX County Tax Appraisal District Corporation where they over charged and a phone call brought it back down some. There is also a problem of them giving five ( 5 ) acres of my land away. Then there is a problem of double billing. If you do a TAX PROTEST, you go before a APPRAISAL REVIEW BOARD with all the staff present, plus their attorney. According to the Appraisal Review Board Manual there is to be a quorum sitting on the Board, there were only two ( 2 ) and one kept complaining about being there. End result was one Board member asked the Attorney if protester had any other remedies, in which she said that the protester can take it to Court.
Step 4 ARB orders changes resulting from hearings The ARB may rule on a protest at the conclusion of the protest hearing or may postpone the decision to a later date. If the ARB divides into panels to hear separate cases, a hearings panel can not make a final decision. An ARBs decision is not final until a majority of the entire ARB approves the panels recommendation.
The ARBs procedures should address how the ARB will handle panel recommendations. The procedures should include if and how the ARB will handle requests by property owners or the chief appraiser to offer new or additional evidence, to rehear a taxpayers protest before the full ARB or to limit issues to those presented to the panel.
Another panel hearing will be conducted if the full ARB rejects a panels decision. The second panel must be composed of ARB members who did not hear the first protest hearing. If three members are not available to make up a new panel, the full ARB may determine the protest. The ARB must notify the taxpayer of the new hearing in the same manner provided for a regular ARB hearing.83 If the ARB postpones a decision, it must tell the parties when it will make the final decision. Any postponed decisions must be in open sessions.
The ARBs final orders come in two forms : an order determining a protest and an order determining a challenge.
These are written orders issued to the chief appraiser, signed by the ARB chair and specifying the ARBs disposition of the protest or challenge. The ARB also issues notices of these orders. Exhibit 17 shows examples of these orders ; these are examples and are not mandatory. It is important, however, that orders state specifically the issues being determined, such as excessive valuation or unequal appraisal.
To make a long story short, I refused to pay the billing without proof of debt. The Chief Appraiser took it upon herself to contact CitiMortgage, Inc. who took it upon themselves to pay the bill. When contacting CitiMortgage, Inc. for a copy of the debt that the Chief Appraiser said was owed, they also refused to answer. Instead they changed the contract and added an Escrow account while litigation on the taxes was going on ( To date, no taxes are owed to the XXXX County Tax Appraisal District corporation. ) CitiMortgage, Inc. kept adding fees to the account, putting on one minute and taking off another until we requested a correct pay off amount. We were wanting to pay off CitiMortgage, Inc. because interest rates went down to less then half of what CitiMortgage was charging and their interference with the Tax Appraiser in which they never answered us either.
CitiMortgage, Inc. has added charges & fees to the grand total of about {$90000.00} + from about a {$65000.00} Equity Loan balance. To top this all off, they have confiscated insurance checks of about {$40000.00}, keeping us from doing repairs to our rural homestead. I read on the site XXXX XXXX that CitiMortgage, Inc. has kept Insurance checks belonging to others, seems unlawful but there is no supervision of these types of Corporations.
The Supreme Court of Texas is supposed to hear Constitutional cases? They have denied all petitions so far according to the Attorney. So far all Government Employees and Agents have passed the buck. The Oath of Office seems to mean nothing to Public Employees.
I took my case to Common Law Court with a Jury of my peers and got a judgment against the Chief Appraiser of the XXXX County Tax Appraisal District Corporation, they are refusing to recognize that Court Judgment in XXXX County.
The Texas Constitution provides the Law and states that taxation shall be equal and uniform unless exempt : THE TEXAS CONSTITUTION ARTICLE 8. TAXATION AND REVENUE Sec. 1. EQUALITY AND UNIFORMITY ; TAX IN PROPORTION TO VALUE ; INCOME TAX ; EXEMPTION OF CERTAIN TANGIBLE PERSONAL PROPERTY FROM AD VALOREM TAXATION. ( a ) Taxation shall be equal and uniform.
( b ) All real property and tangible personal property in this State, unless exempt as required or permitted by this Constitution, whether owned by natural persons or corporations, other than municipal, shall be taxed in proportion to its value, which shall be ascertained as may be provided by law.
By the Constitution my land is exempt. I have put claim to the Texas Land Grant/Patent ( DECLARATION OF LAND PATENT filed at the XXXX County Courthouse ) that came out of the Treaty of XXXX XXXX. When Texas became a state, all vacant or in appropriated land was retained by the State of Texas ; not the United States, as in all other states. I have also declared my land a Homestead ( also filed at the Courthouse ) according to Texas Law.
The actions of XXXX County Tax Appraisal District and their Council has damaged me and my family beyond repair. We can never be made whole and undamaged again because of their ignorance of the Law that resulted in their abuse of power and failing their Oath of Office to protect me and my personal, private and inviolable property but things can be righted.
The Treaty ( Contract ) Law can not be interfered with, as the Supreme Court has held that 'Treaties ' are the 'supreme law of the land '. See also Article 6, Sec.2 of the U.S. Constitution. The Treaty is declared the will of the People of the United States and shall be superior to the Constitution and the laws of if any individual State.
The successful bidder of the property will not get possession of the property. The Declaration of Land Patent " CLOUDS '' title to the land forever.
Respectfully Submitted,
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| 03/31/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I am a joint owner of a Citibank checking account, which I have had and operated without incident for more than six years. This message is to seek the CFPBs assistance as I have not been able to resolve a complaint made to Citibank on XX/XX/2022 about unauthorized ATM withdrawals on my account on my own. My efforts have included phone calls, an email, a USPS certified letter, and submission of supporting documentation. Citibank denied my initial claim and has not been responsive to my dispute of their denial basis and they have not provided me with copies of information used in their investigations despite repeated requests made both verbally and in writing. My request is for Citibank to re-investigate the withdrawals and to reimburse me as I believe I am entitled to protection from these fraudulent charges under the Electronic Funds Transfer Act and to provide me with copies of information used in their investigations ( which I have asked for three times already and which they informed me that I am entitled by law to obtain ).
Here are the details of the unauthorized transactions : Transaction Date Amount XX/XX/2022 {$20.00} XX/XX/2022 {$60.00} XX/XX/2022 {$100.00} Here is a summary of my effort to resolve the complaint with Citibank directly : 1. I first became aware of these transactions on Friday, XX/XX/2022 when I was unable to complete a POS transaction at a XXXX XXXX store because of insufficient funds availability. I reviewed the transactions on my Citibanking app and immediately reported them to the Citibanking call center and my ATM banking card was canceled and a new one issued.
2. During this call, I requested that Citibank investigate the transactions as ATM electronic fraud and I provided the Citibank representative with all of the requested information to support my claim, including assertion that I did not make, was not present at and did not authorize the transactions in question and that use of a card with my PIN would have to mean that my credentials had been stolen as some unknown point - in response, Citibank opened a dispute reference XXXX, but I was advised in a response dated XX/XX/2022 that the claims were denied on the basis that : - I informed them that my card had not been out of my possession - My Citibank Banking Card and PIN were required to perform the withdrawals- The activity appeared to be consistent with my normal banking practice I disputed the basis of the denials to a Citibanking call center representative on XX/XX/2022 and requested an additional review of the claims. During the conversation, I confirmed to the representative that the physical Citibanking ATM card issued to me was with me at my home at the time the transactions were logged ( approximately five miles from the identified ATM according to XXXX maps ), where I had been working because of the pandemic and I had evidence of work-related communication occurring at the same time the withdrawals occurred proving my location. I disputed that the card used at the ATM was the physical card issued to me by Citibank and I also repeated to the representative that I have never knowingly shared my Citibanking card PIN with anyone and reiterated that the use of a card purported to be mine along with my PIN had been fraudulent. I requested that the transactions be re-investigated as ATM frauds, including review of cameras. I additionally disputed the indication that the activity was consistent with my normal banking activities and told the representative that while I frequently used my Citibanking ATM card with PIN for debit purchases, I had never withdrawn cash at any ATM in rapid-succession ( within a minute ) increasing-in-value amounts, which the investigators could easily confirm by reviewing my account transaction history. I further advised the representative that I had never used the ATM in question, nor had I ever been in the store where the ATM is located, which by XXXX XXXX XXXXXXXX, appears to be a XXXX.
3. A new dispute was raised on XX/XX/2022 - dispute reference XXXX, but I was advised by Citibank in a response dated XX/XX/2022 that the position to deny my claims was maintained. I again spoke to a Citibank representative on XX/XX/2022 regarding this claim and requested that it be reopened and that the bank provide me with copies of information used in the investigations. I did not receive a response from Citbank on these additional requests within 10 days and I called the service center again on XX/XX/2022. During the XX/XX/2022 call, the call center representative advised that the XX/XX/2022 request for additional investigation was closed on XX/XX/2022 ( within one day ) and reimbursement was again denied. The call center representative provided no additional reasons for the denial, had no information on why I had not been notified of the investigation outcome, and had no information on the status of my request for copies of the information used in the investigations. I will add here that I have never seen this denial in writing from Citibank. A supervisor subsequently recommended that I send requests for investigation/refund and copies of information used in the investigations by email to XXXX and gave assurance that I would receive a response in 24 - 48 hours. I sent the email on XX/XX/2022, but as I write, I have yet to receive a response or acknowledgement.
4. On XX/XX/2022, I sent a written letter to Citibank at the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX address given to me by a Citibank Customer Service Representative setting all of this out and again requesting that Citibank re-investigate the withdrawals and reimburse me as I believe I am entitled to protection from these fraudulent charges under the Electronic Funds Transfer Act. In the letter, I also asked ( for the third time ) that Citibank provide me with copies of the information used in their investigations. To further support my claim, I provided Citibank with a copy of the Information Slip for Complaint # XXXX made to XXXX XXXX Precinct on XX/XX/2022 and a copy of transaction history extract showing the pattern of cash withdrawals from my account for the past 18 months to counter their claim that the pattern of the unauthorized withdrawals were consistent with my normal banking practice. I have a receipt from USPS verifying that the letter was delivered on XX/XX/2022, but as I write nineteen days later, I have still not received a response or any other acknowledgement from Citibank.
|
| 10/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
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On XX/XX/XXXX I let CitiBank know that there were some unauthorized charges on my account for around {$1400.00} and they promptly closed my debit card and issued a new one. I was able to access my funds and use it which I took out of the account because I was opening a new one.
Note : I was still able to access my account after these disputes and add a new debit card to XXXX Pay. Which gave me access to my funds.
On XX/XX/XXXX More charges popped up from the same merchant and I filed another dispute and it went through seamlessly for around {$700.00}.
On XX/XX/XXXX I noticed more pending charges post to my account from the cancelled debit card on XX/XX/XXXX and they refunded this charge as well but took longer than the first dispute.
I also lost full access to my account and I asked them how I could access my funds, the representative told me that there was no way to access funds, make transfers or use my money in the account until I received a new debit card.
Note : I was not able to have full access to my account, it was restricted, only could view balances.
They issued me another card because the banker who took my dispute cancelled my NEW debit card I had just received from the first dispute becusae she thought the charges were on the new card that I just got in the mail, she didn't even ask or respond. Then she said she was going to order another debit card for me I said fine, we all make mistakes and let it go.
Two days later on XX/XX/XXXX I still had not got an e-mail saying my debit card had been shipped which I thought odd, so I called in and Citi Bank representative said the card had not been ordered and she would send one out promptly. At this point I was livid, they cancelled a new card that had never been used, and then had not sent out another one, and I had to call to get it ordered. On top of that it was a Friday so they said it would not be coming until Tuesday with overnight delivery, so I was out of access to my funds for over a week.
While your debit card is being processed or shipped to you, CitiBank policy is to restrict your account access, you can not transfer funds, use services or pay bills. You can pretty much look at your account balance only and statements. I thought it was crazy but they said that was their policy to secure your account.
While waiting for my debit card to arrive, I noticed someone had logged into the account and made XXXX transactions. WHILE the account was restricted. So, I thought maybe they sent out another card and it was compromised.
I called into Citibank right-away let them know I didn't have account access to mobile or anything and why were there XXXX transactions being made. They were baffled what was going on and they put a hold on XXXX transfers and said they would file a dispute for the unauthorized charges.
The lady that filed my dispute said that there should be no way anyone can access anything without a debit card because to luse Citi Bank accounts you have to have a debit cad number and pin or account number to register. Mine was still in transit when the XXXX transactions happened. I finally got my card and was able to login, all my funds were gone at this point.
Two days, on XX/XX/XXXX later I call to find out whats going on and why I have not received provisionally credit and tried to login to my account and it was frozen. I could not even access the restricted version of the website, any banking statements, or secure messages they had been sending me.
I called in XX/XX/XXXX since I had a busy work week and the lady transferred me to dispute team, the dispute team said my account was being " foreclosed '' and wouldn't tell me why. I demanded to know why because I had been without access to my funds for more almost 2 weeks now of disputed charges for XXXX, and they said the account was closed for fraudulent activity. And that " I should know why the account is closed. '' I asked them what do you mean I should know, she said your fraudulent activity.
THEY CALLED ME A FRAUDSTER over the phone I demanded a supervisor.
I was transferred to the fraud department and verified all my info and she basically asked me if I had added my debit card o XXXX pay on XXXX. I said I had added my previous card ending in XXXX to it because you are allowed to do that through the mobile app. ( This was before my account was restricted or had any funds in it. ) When I received provisional credit I was able to access money through XXXX Pay, and those charges were never disputed. IT was XXXX that I didn't use. She insisted on asking me that questions. I let her know the card I used with XXXX Pay was cancelled and a new one ending in XXXX was issued and I had not even got it yet and said I have the tracking number to prove it was in transit when the charges happened.
I told her, if you determined that my account was fraudulent and that I made the charges, how would that be fraud ... I made the charges it's my account she had no explanation. I also explained to her, this is CITI BANKS responsibility to safeguard my money, not mine.
I couldn't even change my password to my account without a debit card. Yet, they allowed someone when the account was restricted and my debit card was in transit to empty my account, again, that is their responsibility, doesn't matter who what when or where, the account was restricted, nothing should have been authorized without me having full online access.
Citi Bank closed my account now for over 3 weeks, I have not had access to my statement ( s ) to see if there were other charges, I have not had access to my money and they have not sent me an explanation of why they declined the XXXX transactions. Other than, they determined the transfers were " legitimate '' but then closed my account because of " fraud '' which one is it.
Furthermore, they said that the account takes 60 days to close and that I would receive a check after that, so still do not have full access to my funds while a dispute was happening, and no way to look at statements online as they do not have a branch here in the state of XXXX.
Again, Citi Bank failed with their security procedures and then closed my account as a way to silence me and keep them from refunding transactions that occurred during a time of restricted account use and no access device to use funds.
Their restricted site doesn't even have a XXXX link on it. And you can not access the mobile device whatsoever even restricted
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| 01/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # XXXX DOB : XX/XX/XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
Macys/DSNB XXXX XXXX XXXX.
XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 03/06/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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It has been over three months since I have this issue here is : My original complain This incident was happen when I was trying to wiring money from my checking account from XXXX XXXX XXXX to the closing attorney office amount of {$8000.00} for closing on a property on XX/XX/XXXX. After, I was done wiring the money and I call attorney office who prepared the document for closing on my property in about five minutes later and they said they did not see money pending on their account and I was waiting another 5 minutes and call the closing attorney office again and they still did not see the fund came through at that time a lady from the attorney who was prepared for closing on this property for me told me to go right back in the XXXX XXXX XXXXXXXX to cancel the wiring process and they were able to stop that wiring transition at that time we found out that the money went to the account of some one name XXXX XXXX XXXX who have account in Citibank bank ID:XXXX at address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX NV XXXX us and this was not the account we expected our money going into and I called to report the fraud on that wiring to the XXXX XXXX XXXXXXXX at XXXX and they were able to stopped transaction and had the case # XXXX on this incident, and I ask a lady who perform the wiring for that when can I get my money back in my account and she told me it should take 24-48 hours and more than 48 hours went back to the XXXX XXXX XXXXXXXX to let them know I still did not have the refund from that wiring and XXXX XXXX XXXXXXXX told me that Citibank needed Hold harmless letter from me and I did as they instructed me to do to the hold harmless letter to : Citibank ( incident report department ) XXXX XXXX XXXX XXXX XXXX TX XXXX and also fax that letter to XXXX XXXX ( ref : XXXX ) as they instructed, more than three weeks later and I have been going back and forth between XXXX XXXX XXXX and Citibank and I have been calling XXXX XXXX ( XXXX ) and XXXX XXXX ( Citibank ) and I got no help and they told me now money is holding at Citibank and they can not even talk me direct on this matter and this is my money and they can not talk to me about this when I try to check on status of my money I am very frustrated at this point and needed help desperately. Thank XXXX XXXX XXXX response Our records indicate that on XX/XX/XXXX, a transfer of {$8000.00} from the account ending in XXXX, was credited to the account ending in XXXX. On the same date, a wire transfer for {$8000.00} was completed from the account ending in XXXX for the benefit of XXXX XXXX XXXX. As a result, a {$45.00} Wire Transfer fee was assessed to the account. On the same date, in an attempt to assist you, a recall request was sent to Citibank. On XX/XX/XXXX, a second recall attempt was made to Citibank. We received a response from Citibank requesting a Hold Harmless Agreement to be completed. Wire transfers are considered guaranteed funds. Once a wire has been sent and the initiator attempts to recall it, the approval of the recipient is required to have the wired funds returned. Without this approval, a recall can not be completed. XXXX XXXX XXXX acted in accordance with the terms and conditions of the enclosed Deposit Agreement and Disclosures publication, which forms part of the contract between our customers and the bank. We disclose that customers may not amend or cancel a payment order after we receive it. If you ask us to do this, we may make a reasonable effort to act on your request. However, we are not liable to you if, for any reason, a payment order is not amended or canceled. Please refer to the section titled Amending or Canceling Payment Orders for further information. XXXX XXXX, We appreciate your taking the time to share the details of your experience. We regret any inconvenience you may have encountered as a result of this matter and apologize for any service provided that did not meet your expectations. We have confirmed that we received instructions to transfer funds to the recipients you indicated on the Funds Transfer Request Authorization form. Based on our review, we have found no indication of bank error in the handling of your account. As such, we respectfully decline your request for the funds to be remitted back to your account. You will need to work with Citibank directly to resolve this matter. We regret learning that you may have been a victim of fraud. We have taken a number of steps to help protect our customers from bank fraud, but we are not able to identify all conditions that would cause fraud. Although no one expects to be victimized, it is important for consumers to be aware of the circumstances under which they conduct banking transactions with unknown individuals. We will fully cooperate with any law enforcement agency if we are contacted about a fraud investigation.
Citibanks Response It is understood that you previously sent a wire transfer in the amount of {$8000.00} on XX/XX/XXXX from XXXX XXXX XXXX. We applied the wire transfer to an account in the name of XXXX XXXX XXXX as indicated in the wire instructions. We are holding the funds pending the receipt of an indemnity letter ( also referred to as a Hold Harmless letter ) from XXXX XXXX XXXX. From your correspondence and the response that we received from XXXX XXXX XXXX, it appears that they are claiming that we need this letter from you. However, we need the indemnity letter from XXXX XXXX XXXX. Please contact XXXX XXXX XXXX and request that they send the requested document to the following address : Citibank Incident Reporting Unit XXXX. XXXX XXXX XXXX XXXX, TX XXXX Or, you can fax the letter to : XXXX. Please quote our reference XXXX on all future correspondence regarding this matter. Thank you for allowing me the opportunity to respond to your concerns. Should you have any additional questions or wish to provide further information regarding this matter, please feel free to contact me at XXXX, Monday - Friday, between XXXX XXXX XXXX XXXX CT.
I have my lawyer reach out to Citibank and Citibank still refuse to refund my money. I think instead of them holding my money they should be investigating in this matter and arrested the people who created this fraud from their banking system, so they can protect themselves and their customer in the future, now I personally think that the Citibank them self want to keep my money, XXXX please look into the Citibank in this matter. Thanks
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| 03/01/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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To whom it may concern at the Consumer Financial Protection Bureau, Here is the chronology of my transaction on account number : # # # # # # # # # # # XXXX XXXX XXXX XXXX, CitiBank On Monday XX/XX/XXXX I was visiting my daughter in XXXX XXXX. I was there to help her move there from XXXX to attend XXXX school. I was having her car serviced and I had time to kill so I went into the XXXX XXXX and purchased a XXXX XXXX purse that was reduced to {$14.00} and some odd dollars. I used my XXXX card to get additional savings and I believe that my bill came to approximately {$16.00} and some odd cents with tax. I generally pay my balance off immediately at the register with cash, so that I do not have a balance on my account, but for whatever reason on that day, I decided to pay it later. I never received a bill/statement in the mail, but when I was in downtown XXXX sometime in XX/XX/XXXX, I remembered that I need to pay for the purse that Id purchased in Indiana and I also needed to have my parking validated, so I used that opportunity to go in and pay my bill in person. The cashier pulled up my account by my social security number, gave me the balance that was due on the computer of {$16.00} and odd cents. I paid in cash. I believed at that time, my debt was paid in full and settled.
Months go by and then I started getting a series of calls from XXXX XXXX. I dont have any nearby XXXX 's stores and I thought that it was just another solicitation since they did not leave messages, so I ignored the calls. When I blocked the XXXX 800 number, I received a call from XXXX and they left a message from their credit department. This was on XX/XX/XXXX. I immediately called them back at XXXX and spoke with a credit counselor for 13 minutes. I was shocked when she told me that I had a balance of {$150.00}. I was outraged that somehow a {$14.00} purse that I knew that I had paid for, had somehow grown into such an outrageous charge. I was driving when I spoke with the credit department and was therefore not able to take notes. She told me that when I paid my bill in person, it was paid late and that a {$2.00} charge was added. I was never informed of the additional amount when I paid the bill. That {$2.00} had now grown to {$150.00}. I explained that I had no way of knowing about the {$2.00} change and I would have gladly paid it when I paid the {$16.00}, if I had known about it. I was never informed by the customer service department that a {$2.00} fee had been added. I never received a bill. I was informed that when I moved, and I changed the address on my account, that only changed my account with XXXX, but not with their credit department. How is a consumer suppose to know this? The credit department still had my previous address at XXXX XXXX XXXX XXXX on file. What they didnt know is that I still own that home and I rent it out. My tenant is a close personal friend who always passes along my mail, and I had not received any bills from XXXX during the disputed time period. I was livid about the situation and told the credit personal that I would be canceling my account and never shopping at XXXX again. She reduced one of the late charges and reduced the bill down to approximately {$120.00}. I was disgusted. I decided that I would go into my local XXXX directly and pay the amount in cash and close my account. I was driving so I was not in a position to take notes or conduct further business.
I immediately went into the customer service counter at the XXXX XXXX XXXX to pay up and be done with the whole situation. My husband thought that I should not pay the amount on principal. He thought that we should have them send us to collections and fight it there. Quite frankly, the amount wasnt worth my time. I just wanted to put the situation behind me, never shop at XXXX again and tell everyone who would listen about this outrageous situation. I was once again prepared to pay the full amount in cash, I was told at the customer service counter that they could not close my account, that they were not authorized to do that. They told me to call the credit department back, that they were the only ones authorized to close my account and that I also might have better luck with a different credit counselor.
I immediately went home and called back the credit department. I was now in a position to take notes. I spoke with XXXX, who gave me her ID number : XXXX. She agreed that if I had known that I owned the {$2.00} late fee, that I would have paid it at the time that I paid my bill in person. Common sense dictates that anyone who went to the trouble of paying the bill in person for such a small purchase, would have paid the full amount that was only approximately {$18.00} in total. XXXX said that she was authorized to reduce the charge from the {$120.00} and some odd cents down to {$81.00}. I of course wasnt happy about this con scheme by CitiBank for all of the charges on a {$2.00} late fee but what are you going to do? XXXX confirmed that the previous counselor that I had spoken with at XXXX had not made the billing address change, even though I had requested that it be changed to my current address at XXXX XXXX XXXX XXXX in XXXX XXXX, CA. XXXX could not provide me confirmation in writing that my account had been canceled because they were not set up to do so that her location. She gave me a confirmation of # XXXX and told me that I was now paid up in full. XXXX was sympathetic and told me that their policy was to add another {$2.00} charge to my bill because once again, I was paying late. I told her to add {$5.00} to what I way paying to avoid that. She told me that she could not authorize additional payment from her location. The only way to avoid another {$2.00} late fee was either to put my debit card on file for automatic payment, or to go into a store location and that they could authorize additional payments. There was no way that I way going to give CitiBank free access to my debit card, so I went into the XXXX XXXX XXXX on XX/XX/XXXX and paid {$5.00} so that I could cover any additional late fees.
After all of that effort on my part, paying a bill that no ethical business would have charged me to begin with, I received a new account statement yesterday in the mail with a {$34.00} late fee. I will NOT be paying this bill. Evidently XXXX/CitiBank now believe that they can bill me in perpetuity for {$2.00} late fee on a {$14.00} purse.
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| 09/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I was essentially robbed in an XXXX bar, as described below and called within about an hour of it happening to tell the credit card from my hotel room. Apparently the security department never reversed the charge. I asked to speak to a supervisor on my 7th call with Citibank towards the end of XX/XX/XXXX. ( I am now on about my 10th call ) After I explained that the security department kept transferring my dispute to billing, and billing kept transferring it back to the security department, despite the fact I emailed in a description of what happened, the supervisor agreed to help me. She called me back a few days later to tell me that my dispute had been resolved in my favor and I would not owe the charge. That happened sometime in late XX/XX/XXXX. I received a letter with a date of XX/XX/XXXX from Citibank telling me that the charge was valid. I communicated the below details on multiple occasions, and I do not understand how this could be a valid charge, given that I am explaining it was essentially taken from me by the threat of force. Even more bizarre is that my credit card transaction history indicates the charge was for industrial chemicals. I clearly did not buy industrial chemicals on a three day tourism trip. If in fact this was a charge for industrial chemicals it would be a fraudulent charge, because I never purchased industrial chemicals and if it is a charge from that bar, it is still fraud, because it was a bar, not a chemicals seller, and the card was taken from me by force.
This is my explanation of the disputed charge of {$1800.00} for XXXX XXXX XXXX XXXX XXXX I flew from XXXX XXXX, to XXXX leaving XX/XX/2019, and arrived XX/XX/2019 in the evening. Upon checking in I went to locate a restaurant. While walking from the XXXX XXXX in XXXX to locate a restaurant a man stopped me and said something in XXXX. When I indicated that I did not speak XXXX he asked me in English for a lighter. I said I did not have one, but said to him I was trying to locate a restaurant that was not full of tourists, he described one, but I did not understand the location. He said he was visiting from XXXX, XXXX with his wife and kids, but they were back at the hotel and he was going for a walk, so he would just show me where it is. Once we arrived at the restaurant a block or so away near XXXX XXXX, he said he would sit down and eat as well. At the conclusion he paid for the bill, before I knew that the bill had come, and said he was doing so because he was enjoying my company. In return he asked that I have a drink with him. I told him I had just flown in, and had only slept 20 minutes in over 24 hours. He urged that I just have one drink, and I unfortunately agreed.
He told me his friend had recommended a particular bar he wanted to see. I agreed, and it turned-out it was in a basement level of a nice building. Upon walking in we were seated, and I thought he was ordering us each one drink. Instead they started bringing food, and several bottles of alcohol. I objected to the waiter bring the food and drink, and said we had not ordered it. The gentlemen with me said he had done so when we were sitting down.
Within a few minutes two women came and sat down at our table. I realized that she was probably a prostitute. I informed her that I was XXXX and had a boyfriend in XXXX XXXX, and showed her pictures of him. I thought my efforts had paid off, when she got up and left. I tried to get-up but the gentlemen seated next to me, kept me from leaving saying to wait so he could finish his drink. Before that could happen she returned. She appeared to have been sent back. She told me that she had to dance with me. I agreed to dance with her, hoping that would allow me to get rid of her, and possibly get away from the situation. I tried to leave shortly after. Upon saying I was leaving, three men came to our table, so that I had four men preventing me from leaving.
I was then handed a bill for about {$4100.00}. I protested that it was not possible that 11 bottles of champagne were delivered, or consumed, and that I had not ordered anything. They then told me they would charge me for half, and charge the other guy who had brought me there for half. I told them I had not ordered anything, and had drank about two glasses, I had been offered by the guy who brought me. They told me I would not be allowed to leave without paying. They asked me to hand them my wallet. I refused. They asked how much cash I had in the wallet, I told them I was on the first day of my trip and could not give them all my cash. I told them I had to use a credit card. They asked me to use a card with the pin I told them I had withdrawn the maximum, and it would be rejected and that I had to use a credit card.
They told me they would not let me leave unless I gave them some cash. They demanded at least {$100.00}. I had no choice, given the number of men there, so I paid them {$100.00} cash for having drank two drinks, though I had not ordered anything. They also demanded that I show them my driver 's license, so I did. When they ran the credit card for {$1800.00} they told me to sign. Since they had my driver 's license and card, and knew my name, I could not write another name. So I printed my name, and did not sign. The man I was there with was getting paid cash when I left the bar. He tried to take me back to the hotel and I refused. I took a taxi back to the hotel I did not sign the receipt. To show I was being forced to do it I printed my name. I never print my name when there is a legitimate charge.
Immediately after getting back to the hotel, I went to the front desk and they called the police. I had my hotel room number memorized, despite having just checked-in, and I believe that was part of the reason why the hotel staff was so supportive. The hotel told me that the police needed to send a " Tourism Police Unit '' because they were the only ones that spoke English, and they did not have officers that could come to the hotel that night. I went up to the hotel room and immediately called and opened the dispute, explaining the above to the person on the phone.
I was able to leave after giving them {$100.00} cash and the credit card, I did not do so voluntarily, but did that because of the number of men there requiring that I do that. When they told me I had to sign, I printed my name to show to the credit card that I was being forced to do it.
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| 05/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I lost my job XX/XX/XXXX and want ed to re-finance my home to lower my payments, I was referred to " XXXX XXXX XXXX XXXX XXXX '' who assigned a mortgage broker to help me. ( XXXX XXXX ) I explained the situation to him and he said no problem since you have excellent credit we can help. I also explained that I had my home appraised by another company that tried to re-finance my home but unfortunately my home was worth well beneath what I had owed so that company could not help me, he also said no problem we have our own appraisers that can help. I was totally surprised and happy when he contacted me in XX/XX/XXXX and said that he was able to get me approved through Citibank to lower my paym ents. I told him I had my own attorney that I 'd like to use for the closing that was a family friend and performed all my prior closings, including my parents closin g in XX/XX/XXXX a nd when my parents sold me their home in XX/XX/XXXX ( the home we are currently speaking of ) he was my attorney, and when I purchased my second home in XX/XX/XXXX he was also my attorney, however the broker said no I could not use my attorney I had to use his attorney ( XXXX XXXX ) since the closing is in XXXX and the attorney 's office is also in XXXX . I reluctantly agreed and went to the closing. The day of the closing I felt very uneasy, rushed and scared. My questions were n't being answered or just brushed off especially when I saw blank papers present, but I continued with the closing because I needed the help and was under the impression that I was signing for my payments to be lowered with a fixed rate just like what I had before re-financing. I finally found a new job summer o f XX/XX/XXXX and even though my income was less I made all payments on time From XX/XX/XXXX to XX/XX/XXXX . then in XX/XX/XXXX I rec eived a new statement stating that my payments were doubling and that is when my XXXX began .... I tried making my original payment that we agreed to but Citibank would not accept my payment. When I started asking Citibank to show me the original documents that I signed because I did not sign the documents they were referring to, I explained that the broker I dealt with was very shady and they needed to look into what happened the day of the closing, ( since then I have found out that the supposed broker was not even a real licensed broker his business card which is attached says " mortgage advisor '' which the NY DOS verified with me is a false title, but y et Citibank a nd XXXX XXXX XXXX XXXX XXXX XXXX XXXX dooped me into believing he was a broker, since then I also found out that the loan application had my previous employment and higher income stated on it and no signature, see attached my XX/XX/XXXX XXXX with lower income and different employer from the loan application? since then I also found out their attorney XXXX XXXX had her broker license REVOKED, see attached document from the State website, Since then I also found out that XXXX XXXX was representing Citibank as the " settlement agent '' see attached HUD and she was also representing me as my attorney, I had no idea she was representing the bank and me at the same time. Now I know why they did not want me to hire my own attorney. Had my own attorney represented me that day I 'm sure he would have caught it all before hand. ) Anyhow they just ignored my request and told me to stop making payments so that I can qualify to modify my loan, I was not happy with that reply so because I could not afford the new payment I did stop making payments and then hired an attorney to help me and they started the foreclosure. Fast forward to today, I thought things were still pending and playing out in the courts but apparently I was wrong because there is a sale date of XX/XX/XXXX ( next week ) that not even my attorney new about, I saw my house on the internet for sale last month and asked my attorney to confirm and he was very shocked that it was true and that 's when I started calling Citibank to help because my attorney relocated his offic e XX/XX/XXXX and never received the foreclosure judgment. XXXX who is now the servicer of the loan had my address as XXXX XXXX Ny which is my attorney 's old office address. I called XXXX to explain that Citibank had given them the wrong address when they assigned the loan to them and they kept saying well we mailed it to " your '' XXXX XXXX Ny addre ss, XXXX even told the credit bureau that my home address is XXXX XXXX Ny., so now my credit bureau has my current address as XXXX XXXX Ny , which is false!!! All I wanted Citibank to do was call XXXX and say " hey postpone the sale date because I think we transferred a fraudulent loan to you '' I want to keep my home. I have no place to go. My son who is an XXXX XXXX XXXX XXXX who will also be homeless if my home is sold next week. I need your help to call Citibank or XXXX and ask them to postpone the sale date until we can figure out what 's going on. I understand they have better, more expensive and more experienced lawyers that can easily win a foreclosure sale BUT the question should be is it morally right to take my home knowing that all these red flags still are unanswered? How can Citibank sit back and let this happen to me when my life was fine before I met them in XX/XX/XXXX . I 'm going to be forced to file for chapter XXXX next week and ruin my credit even more because they wo n't postpone the auction sale date. Out of good faith I even submitted a loan modification application to XXXX because I never said I never signed for " A '' loan I 've been saying I never signed " THAT '' loan?? I thought that after I submitted the loan modification application that it would help stop the sale date until they consider my application but XXXX is saying no they can not stop the sale date even though they are considering my loan application? I thought that was considered " dual tracking ''?? I even hired a handwriting expert in the mean time but the sale date needs to be stopped before its too late. Please help me ... I do n't know what else to do, or who to turn to. How can Citibank allow this to happen, how can justice allow this to happen when something is clearly wrong with the original loan? I hope to hear from you soon. thank you
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| 09/15/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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My unresolved issues with CitiBank have now lasted two months and I am still not able to access my money and remove my + {$60000.00} cash. I received a promotional email from CitiBank to open a Citi XXXX XXXX Savings account to receive bonus AAdvantage miles for maintaining a certain deposit balance in the account for 90 days, plus I would receive 25 % more AAdvantage miles on every credit card purchase while the account is open. I opened the account on XX/XX/XXXX and reached a {$50000.00} balance on XX/XX/XXXX. I did nothing with the money or the account until I noticed my balance had fallen by {$9800.00} due to a fraudulent ACH withdrawal Citi authorized on XX/XX/XXXX. I immediately called Citi to inquire about this ACH and, after waiting on hold for more than 90 minutes, opened a fraud inquiry/dispute and was told I would hear the findings in 7-14 business days. After opening the dispute, I asked that they put an ACH block on my account to prevent any more fraudulent activity because closing the account would lose my chances at the bonus miles ( the only reason I opened the account ). After completing this step, I was transferred to a separate department ( an additional 2 hour wait ) to discuss what impact this fraudulent activity would have on me earning the 40,000 bonus miles for maintaining a {$50000.00} balance for 90 days. The manager confirmed that if determined to be fraud, Citi would not view the balance as having changed since the debit would be reversed, and I would receive my full 40,000 bonus miles. She also said that she could not at that point view how many miles I was eligible to get but that, if for some reason I only received 20,000 after the time period, all I had to do was open a request and they would provide the additional 20,000 I was owed. I received confirmation from Citi on XX/XX/XXXX that the {$9800.00} debit was fraudulent and they had reimbursed my account for that amount. Based on my previous conversation with the representative on XX/XX/XXXX, I assumed everything was still in order with my bonus eligibility and there was nothing else I needed to do. Fast forward to XXXX when I knew I had satisfied the 90 day on deposit promotion requirement ( satisfied XX/XX/XXXX ) and wanted to remove the majority of my money, the representative at Citi informed me that it could take up to 60 days ( XX/XX/XXXX ) for the bonus miles to hit my account. However, she could not confirm how many miles I would be receiving, but did say that I should not remove my money from the account until the miles had been deposited into my AAdvantage account or it may mess up the process. When I checked my AAdvantage account on XX/XX/XXXX, I realized only 20,000 miles had been added to my account. I opened multiple complaints/disputes/research requests with departments and managers and still no one at Citi reached out to me to solve the issue or provided a valid explanation for why I have not received the 20,000 additional miles I was promised. When I checked my account and found only 20,000 AAdvantage miles, I immediately opened a dispute to get the additional 20,000 miles I was owed. On this same call, I asked to remove the ACH block on the account so I could transfer my money out because I now rightfully felt that Citi had taken advantage of me as a consumer. Between then and XXXX, I called Citi SIX separate times, each time being transferred to someone else or a new security department ( I was given THREE different numbers for the security department I needed to contact ). After EVERY SINGLE ONE of these calls I was assured that the block had been removed and I could transfer my money. Someone went so far as to guide me through adding an external account, getting the account approved, and providing an overview of the daily and monthly limits on one of these calls, only for me to wait 5 business days for the account to be approved and 2 days for my ACH requests to be processed, to find out that the block had not been removed and the ACH transactions were unsuccessful.
Given these two issues, I submitted a XXXX complaint on XX/XX/XXXX, and it took 14 days for Citi to reach out to me regarding my complaint. XXXX XXXX with Citi called me on XX/XX/XXXX to inform me I was correct and I was owed an additional XXXX AAdvantage miles, and these miles were deposited into my account on XXXX. XXXX stated that he listened to all of the recordings of my many calls with the various departments at Citi and that he was looking into why my disputes were incorrectly denied and why I was provided such poor service and incorrect information. XXXX also gave me his personal phone number, and stated he was working with the fraud department to remove the block on my account so I could access my money. I also told XXXX during this conversation that my father also has {$50000.00} in a Citi XXXX XXXX Account that has an ACH block, and XXXX assured me he would be able to remove the block on his account too so he can access his money. Further, XXXX told me he would call me XXXX to update me and, when we talked on XXXX he said he submitted the request to remove the block and that I would be able to access my funds at the absolute latest, XXXX, and that he would call me back on XXXX or XXXX to confirm when the block was removed and my funds were available. Finally, on the initial call with XXXX on XXXX, he told me he would provide a {$100.00} credit to my account for everything that I had to go through. I told him that was a good starting point, BUT I STILL HAVE NOT RECEIVED THE {$100.00} CREDIT and here I am again unable to access my money and unable to get in contact with anyone at Citi!! After not hearing from XXXX by Friday XX/XX/XXXX, I called XXXX on his personal phone number on Friday XX/XX/XXXX at XXXX XXXX EST, Monday XX/XX/XXXX at XXXX XXXX EST, and Tuesday XX/XX/XXXX at XXXX XXXX EST - leaving a voicemail each time and requesting he call me back. I have still not heard from XXXX, can not access my + {$60000.00}, and believe Citi is violating numerous regulations by holding my savings account money for now +90 days without allowing me to access it and providing me nothing more than additional headaches, frustration, and wasting hours and hours of my time. I believe every consumer should have the right to decide where they want their money held or how they want it invested, and Citi has taken this liberty from me.
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| 11/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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Re : Account No. XXXX XXXX XXXX XXXX In XXXX of XXXX XXXX XXXX representatives approached us about a " whole house filtration system '' and offered 24 months with no interest if we would agree to use their credit card, have a representative come to our house, and present their offer. We did, and agreed to have the entire purchase amount of less than {$5000.00} put on an even monthly withdrawal amount to be paid off during the 24 months offered. The representative spoke with their credit department about our agreement and all I was asked was to say I agreed to have this amount spread evenly over the promotional term. This offer would only be available if one would agree to use their credit card and allow autopay, we were told, which I had opened in XXXX and maintained with zero balance ( {$0.00} ).
We listed our property in XXXX of XXXX, received an offer in XXXX, and moved to another city shortly thereafter. We used the same servicing company who installed it to remove and store the system until we would be able to move into our new property by XXXX, when they came back and reinstalled it at the new house. With XXXX teenage children, while also caring for our elderly parents in Colorado, for which at least one of us had to travel on a monthly basis, while trying to settle in we noticed continuing ongoing payments to Home Depot. This came as a surprise since it was past the 24 months during which we had agreed to have it paid off completely.
We contacted them and were provided with false information each time such as " this account did not qualify for the zero interest '', " you did not pay the account off, therefore it became disqualified '', " we mailed you notices and statements '', " you agreed to terms when you opened the account for the purpose of purchasing this system '', etc. none of which were accurate. In fact, we never were notified of such a high interest rate being applied, and even worse, found out that the interest was backdated to the beginning, going forward.
We notified them of our agreement to have even amounts taken through 24 months to pay off the account since this was the only way to get the promotional deal, that we were not given the opportunity to pay for it in full at the time of purchase, instead of financing, the fact they never sent any statements, nor any notices about the balance not having been paid off, or that they had decided to take a lesser amount than what was agreed to by us which would have paid off the entire amount before the promotional period would have ended.
Not only they did mislead and misrepresent, they also backdated the extremely high interest rate to the entire beginning balance, to the tune of 25.99 %, and started compounding interest on top of interest, which we believe is also against the law.
In total, they collected almost {$7000.00} in interest and told us we owe them more than what the initial purchase was at the beginning. We now know they charged {$3900.00} in interest during the initial 24 months alone.
Since their website only allows you to go back for a few months, it is impossible to get information, statements, documents, etc. We have spoken with numerous representatives during multiple calls, requesting information, statements, or other pertaining documents. Each tells us the same, which is their system can not go back further than a few months to a year. They are not even able to provide us with the total interest amount they have charged during XXXX. We have asked, but not received copies of our statements which we have never received before.
We also have repeatedly tried to solve this with numerous of their departments, through Citibank, with whom we have other cards in good standing that are on autopay for the entire statement balance on a monthly basis, with Home Depot credit services, even with their " Executive Response Unit '' where we had the pleasure of speaking with " XXXX '' who said he was a " direct report '' of Citi 's CEO, " XXXX XXXX '', and while faced with arrogance and attitude, were told by him to " do whatever you'd like '' when we let either of them know we would not be left with any other options but to file a formal complaint.
In addition, we left two voicemails for another executive we were given the name of, " XXXX XXXX '' from the Executive Office without ever receiving a callback. We'd be glad to provide you the direct number for her if needed.
When speaking with their representatives, we offered to pay a reasonable amount of interest if we have to, and close the account, but asked that Home Depot would take responsibility for their false actions of : 1. not making accurate arrangements as agreed by us to have the entire amount be paid off during the promotional zero interest period, 2. due to our agreement in item # 1, notify us of an unpaid balance at the end of the promotional period, 3. provide us with monthly statements, 4. provide us with notice to increase the rate from zero ( 0 % ) to 25.99 %, 5. to provide us with end of year interest payment notices, 6. to backtrack and charge the extremely high interest rate on the entire balance from day one, 7. to compound interest on interest, 8. to not change our address on the record, despite numerous notices and occasions.
It is noteworthy to mention we also have an active " Pro Desk '' account at XXXX XXXX and that is how we found out they maintained our old address from 5 years ago while we lived in Colorado, not where they installed the water filtration system in California for which they set up the " promotional offer '', which they also were notified and made aware that we moved out of in XXXX ; sent their representatives to move the system from, to another house, in different cities.
We have repeatedly requested corrections be made to our address as well as phone numbers without any success.
We are concerned about this damaging our good credit. As well, we have repeatedly tried to communicate the type of hardship they are putting our family through during these unprecedented times without success.We are concerned about the fact neither us, nor their representatives are able to view or obtain any of this information in their system.
Citi should be able to review our other accounts and realize the huge difference between this account and our others, and realize the lack of good faith provided by Home Depot representatives.
|
| 07/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I booked a group vacation with XXXX based, XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I was scheduled to travel to XXXX with them on XX/XX/XXXX Bank : Citibank card ending XXXX Payments made : XXXX USD on XX/XX/XXXX ( Deposit on trip ; Attachment A XXXX XXXX receipt_ {$300.00} ) XXXX USD on XX/XX/XXXX ( Final payment ; Attachment B XXXX XXXX receipt_ {$840.00} ) *Dates are in XXXX format to match with the receipts My trip was postponed due to Covid travel restrictions. As you can see from the email dated XX/XX/XXXX, the company changed the dates of my trip to XX/XX/XXXX. ( see 2nd portion of Attachment C Postponed Trip ) XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. An email from XXXX XXXX was sent shortly after this date but I did not receive that email. I believed I still had a trip scheduled for XX/XX/XXXX until I sent an email to XXXX XXXX on XX/XX/XXXX ( see top portion of Attachment C Postponed Trip ) that I learned XXXX XXXX went into administration and I needed to seek a refund from Citi.
The former owner of XXXX XXXX also put me in touch with XXXX XXXX ( their insolvency practitioners ) so that XXXX could send me their original email ( see Attachment D XXXX Email ) from XX/XX/XXXX, informing me of the administration.
Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy.
I attempted to open up a chargeback dispute on XX/XX/XXXX by submitting my dispute via US Mail to Citi Cards Dispute Dept in XXXX XXXX, SD ( see Attachment E Postal Receipt ) using the Chargeback code XXXX for credit Merchandise services not received.
*Note : Included in my original submission, see the following attachments : Attachment C Postponed Trip, referenced above ; Attachment D XXXX Email , referenced above ; Attachment F XXXX XXXX T & C , referenced below ; Attachment G XXXX Notice , referenced below ; I also included in this original submission two Citi banks statements that included the {$300.00} and {$840.00} charges those are not included here but I can provide if necessary Initially my bank opened the dispute and conditionally gave me a refund but later reversed the conditional refund and refused to accept my dispute. I am informed by my bank that the reason for this is that XXXX XXXX merchant acquirer XXXX challenged my dispute with the bank on the basis that I was protected by XXXX XXXX financial failure insurance in their Terms and Conditions which is incorrect.
I am informed that the financial failure insurance was always in place for XXXX customers, but US-based customers were not insured until XX/XX/XXXX ; after that date, XXXX XXXX were able to insure every customer globally and they changed their Terms and Conditions to reflect this on XX/XX/XXXX.
As I booked before this time, I am not insured nor protected by any other method. When the challenge was flagged by my bank, they should have looked at the evidence I already gave them which included the Terms and Conditions relevant to my booking ( Attachment F XXXX XXXX T & C ) which clearly shows that the financial failure insurance was for XXXX customers only. Later after Citi rejected my dispute, I also submitted a flowchart provided by the insolvency practitioners, XXXX, which was sent to all XXXX XXXX customers ( Attachment H XXXX Claim Flowchart ). XXXX informed me that this flowchart was agreed and approved by XXXX themselves.
*Note : Please see the red box in the bottom-left corner of the Flowchart clearly showing that the insurance is for XXXX customers only.
For your reference : The time limit for making a claim should start from the date one would expect to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In my case this date should be my rescheduled trip date of XX/XX/XXXX.
Alternatively, they may use the date that XXXX said they sent me the notice that I would not be receiving the trip ( XX/XX/XXXX ) but as previously stated, I did not receive that notice and did not know of XXXX XXXX insolvency until I initiated contact with them on XX/XX/XXXX. I then mailed my dispute submission to Citi on XX/XX/XXXX.
Here are Mastercards rules : On chargebacks there is normally a 120 day limit, but this can be extended to 540 days if the services were to be provided at a future date. So, for example, a trip.
In more recent communication, Citibank have told me to go to the merchant ( XXXX XXXX ) for a refund. XXXX XXXX have ceased trading so this isnt possible XXXX XXXX XXXX XXXX I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed Civil Aviation Authority are advising me to do the same ( Attachment G - CAA Notice ).
I would like my bank to open my dispute and refund me, in accordance with the Fair Credit Billing Act.
*Attachments I-P are all of the communications Ive received from Citi . Citi opened a dispute claim for each charge both charges were for the same trip. Regarding these attachments, a couple of final things worth noting : In the two attachments from Citi with details of XXXX challenge ( Att J and Att L ), note that the image is from the XXXX site, not their US-based site. I also pointed this out to Citi. As noted before, insurance protection was on in place for XXXX customers before XX/XX/XXXX but not US customers.
In my communications received from Citi, I was receiving the same information for both claims in tandem until recently. Now Citi is giving me two different reasons for their continued rejection of my two claims both of which were for the same scheduled trip ( initially, their rejection was for the same reason described above ). Im not certain of the reason for this recent divergence in their communication regarding the two claims.
Finally, please note that everything Citi has requested in their communications was previous provided in my original submission. I also resubmitted some documents and sent the flowchart as additional evidence that I was not protected by financial insurance.
*When asked for the card number when submitting this complaint, I gave the number used to make the two purchases but that number is now expired. When communicating with Citi, I've been referencing this old number ( ending XXXX ).
|
| 04/18/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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On XX/XX/XXXX at XXXX XXXX, I was standing in the Citibank line at the XXXX XXXX, IL Citibank branch waiting to see a banking associate to close an account as directed by the fraud department the night before ( I had noticed withdrawals made from my account that I had not authorized including payments for cellular service with a company that I do not use ). I was reviewing my other accounts on the mobile app while waiting in line when {$8100.00} was withdrawn from an account that I share with my daughter. I immediately called my daughter to see if she had made a withdrawal ( she said no ) and then went to the desk and explained what had happened. I was taken over to a desk by one of the associates. The person immediately called fraud and spoke to someone and then handed me the phone. I tried to explain what was happening and the person hung up on me. I told the bank personnel ( the lady from the other desk was listening to what was happening ) that she had hung up on me. They had the persons name and they told me to call back and ask for a supervisor. I called back and was connected to the supervisor. I explained to the supervisor what was happening, and she told me it was an on-line withdrawal. I repeatedly told her that I had not authorized a withdrawal and asked her to freeze my account and not allow the transaction to occur. She told me that she could not stop the transaction but I should lock my account using the App and she would put a freeze on my account and would place a note in my file and that I would get a letter, but everything should be fine. I did get a letter of my report and the money was returned to my account on XX/XX/XXXX. I believed the matter had been resolved.
Almost a year and a half later, on XX/XX/XXXX, I received a letter from Citibank dated XX/XX/XXXX stating that Citibank had investigated and was withdrawing {$8100.00}. In proof they provided me with a transaction history from a XXXX account of woman who lives in Michigan. I do not know this woman and I immediately called the Citibank number on the letter. I was told that the money had been withdrawn because XXXX had verified the validity of the withdrawal. I was VERY upset and asked XXXX to start an investigation. She said that she would call back in three days ( at my insistence ) and that I would get a letter stating the results of the investigation in 10 days.
I did not receive a call or a letter until XX/XX/XXXX when I received a letter dated XX/XX/XXXX. On XX/XX/XXXX, I called the number on the letter. When I asked to speak to a supervisor, he told me his supervisor was not available. I insisted that he put me on hold and ask his supervisor to speak to me. When he came back on the phone, he said that his supervisor was not available, but his supervisor would call me in two days. He told me his name is XXXX, his supervisors name is XXXX, his team is XXXX and I should expect a call in 48 hours. He told me that I should have received a letter from Citibank explaining that I should contact XXXX at XXXX to find out how I can get my money back. I asked him if he thought that sending me a copy of someones XXXX transaction record from XXXX IN with a note at the bottom stating my name an the online request ( My name ) XXXX XXXX Request to Originator XXXX XXXX XXXX was sufficient proof that I had authorized the withdrawal. He said something about recording our conversation, so I repeated the whole series of events that led to my call and then asked for an address to send a written complaint. After significant time, he gave me the following address Executive Response Branch Citibank Retail Branch XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I sent a letter ( included in this submission with a summary similar to what I provide here as well as a copy of all correspondence and messages available in my Citibank App as of XX/XX/XXXX ( two of these items are correspondence with XXXX ). Because I thought this issue was resolved in XXXX and did not think that I needed to retain those letters, I can not provide correspondence related to this incident. However, Citibank should have these available in their records.
I want to repeat what I said the day this happened I believe that Citibank has an internal fraud problem and I am the victim of that fraud and incompetence on the part of their fraud department. I tried to stop the transfer. I told the supervisor before the money was released that I had not authorized the transaction that would transfer the funds later that evening - she told me that the funds had not been transferred at that point but she said that they were in cue for electronic release. This entire issue could had been stopped if she had put a stop on the transfer as I requested.
On XX/XX/XXXX, I also found out that Citibank had put a freeze on this account as well as other accounts I have at Citibank with my daughter. I asked XXXX to remove the freeze on this account so that my daughter could get a cashier check for the balance on this account. There is now a {$100.00} balance in that account. My daughter was told that the account will be charged a service charge when the balance is under {$10000.00}. At this point Citibank has released {$8100.00} of my money to another bank without my authorization. I did not close the account because I was worried about loss of all access to records which is what happened for the other account on which fraud was first detected.
On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that they had reviewed the details of the transaction and decided that the transaction was appropriately applied based on a response from XXXX Bank and that I would need to contact them directly. It also said that all documentation was attached. I did not receive any attachments. I called and spoke with XXXX on XX/XX/XXXX at the number provided in the letter - she put me on hold and called her supervisor who said that I would get an email with the documents within 24-48 hours or in writing in 5-7 days but she could not help me and referred me to XXXX and gave me their fraud number. After repeatedly trying to get thru their automated system I was finally able to get a live person who said that they were unable to help me and would need to go to a branch in person. Because of work I will have to get approval for time off to go to the bank during business hours this week.
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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This is my response to CFPB Complaint XXXX This is NOT Citibank but the theft who is responding to my complaint which states that " NO PROBLEM WAS DONE OR HARM WAS DONE OR COMMITTED WHEN OPENING A " VISA CREDIT CARD ACCOUNT WITH CITIBANK '' in names other than what is on my State Issued Identification Card/DRIVERS LICENSE & inquiry submitted on XX/XX/XXXX. The harm was done when Hard Inquiries were placed on my Credit File before & after XX/XX/XXXX by those employed bu the company. I didn't apply for a Citibank Credit Card from CITIBANK, THE BANK because I don't use or need credit with any bank, directly!
I never asked or called Citibank this day for a " REVALUATION or RECONSIDERATION of the BEST BUY STORE CARD I applied. The employee lied to say I wasn't approved for the store card. I questioned the fact of how & why when I knew my credit scores & I knew exactly what was on my credit reports from EACH credit bureau. I NEVER ask him to place a call from his desk in his store where he worked. The problem is WHY would I need to be reconsidered for a store card when I know I'm credit worthy? Another problem is my name isn't XXXX & could never be used as my name to apply for a line of credit with any company or bank. Since when has The Secretary of State taken documents that's doesn't show & prove your GOVERNMENT NAME? This is the only way you'll receive a Driver 's License and State ID & these PICTURE ID 'S are the ONLY method any company will provide a line of credit to you. This is not my name nor it that my signature on the FALSE application. Whatever was done was done with MALICE & INTENT TO FRAUD. Nothing about my personal information changed or annual salary had changed so WHY would the employee say I was denied credit for the store card to me being instantly approved within 2 minutes when I disputed the denial in the beginning. This was done using Deceptive Business Practices by the employee. I NEVER asked for a Platinum Visa Credit Card with Citibank. On XX/XX/XXXX, I called the number XXXX & spoke to quite a few people because different accounts under BEST BUY/CBNA & CBNA ( alone account ) was being reported on my credit accounts. I found in XXXX that this CBNA account was reported to be opened on XX/XX/XXXX & CLOSED XX/XX/XXXX. I had not visited Best Buy Store Location nor had I applied applied for a store card with Best Buy on XX/XX/XXXX so WHY was this account added to my XXXX Credit File & Credit Report? This is absolute FRAUD! My credit reports were LOCKED as I had Credit Monitoring for years prior & would have alerted me in XXXX had if this were a true inquiry. This account was put in my credit file on XX/XX/XXXX when I unlocked my credit to apply for the Store Card which shows it's not credible or accurate! This account was added as " AKA '' with the name showing 4 of the seveXXXX letters of my full name being reported on this account. Whoever reported this CBNA account added it to the BEST BUY Store Card on XX/XX/XXXX to my XXXX XXXX XXXX also ( 16 DAYS AFTER XX/XX/XXXX ) which then showed as a COMBINED account ( Best Buy/CBNA ) on ALL Credit XXXX XXXX XXXX XXXX This CBNA ( alone ) account was added to my XXXX Credit File on XX/XX/XXXX ( 11 DAYS AFTER XX/XX/XXXX ). An " XXXX '' was also added to my XXXX XXXX XXXX for XX/XX/XXXX.
The Application does NOT show CITIBANK ( THE BANK ) as an OPEN LINE OF CREDIT ( VISA ) as being part of the application which is suppose to have my signature. This is not my name nor my signature on this fraud application. The CBNA account was ADDED 11 to 16 days AFTER XX/XX/XXXX. Also the accounts are shown to have far too many hard inquires reported to the supposed " 1 '' account with far too many different addresses & opening/closing dates. The locations reported are PERMANENTLY CLOSED locations while only providing ONE contact number & that directed to BEST BUY CARDMEMBER SERVICES. Even the addresses that's was provided as Contacts on each credit report and Annual Credit Report for the Credit Bureaus were FALSE! ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, & XXXX XXXX XXXX, XXXX XXXX, SD. Had this been a true & accurate account, there'd been only " 1 '' address reported to every credit report for the Best Buy Store Card Account ( no CBNA added WEEKS later after the account established on XX/XX/XXXX ), my true & correct & FULL name as it is written on my State Issued Identification ( not a NICKNAME ), & the unecessary & FALSE updates to XXXX XXXX XXXX XXXX reports to secure the legitimacy of the Fraud accounts as being factual & true ( which is false & fraud ). I also received a Best Buy Statement which has the Cards ( I received ) as showing the Statement Account Number IDENTICALLY MATCHING the Card Number which is total FRAUD. Each account reported using different names in each credit bureau shows several different account numbers some 16 digits ( some digits are hidden with " x '' to mask which is I understand ), while other account numbers being reported having only " 12 '' digits. Either way, the only reason any Company would report any accounts as this one has been reported would be for the use of FRAUD, whether now or in the future. Those employed by Best Buy INITIATED the fraud by lying & placing a call from his phone to whoever he works with, INTERNALLY. This is a FRAUDULENT account & this was actually a " BEST BUY STORE CARD ( only used in store locations ) made to imitate a " Citibank Credit Card ( Visa to be used anywhere ) done on behalf of the thief working in the Card Processing Center ). Last, had this been an honest & factual account, there'd be no need to remove any of the accounts that was reported as Best Buy & CBNA. For the record, my name was reported " 3 '' different ways using 3 different spellings ( AKA & ALIAS ) under each accounts & reported to all 3 credit bureaus which shows it actually does matter how my name is used, spelled and reported. I would hope the thieves would know better than to think they can do whatever they please while reporting whatever they choose using my own personal information only to REMOVE the same Fraudulent & NON CONSENSUAL accounts they reported without having to face CONSEQUENCES by breaking Federal Laws. The Credit Bureaus must answer for their actions too as ALL worked together against me, THE CONSUMER. I have rights & those rights were Violated. See your company in court!
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| 07/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX, I went into business with a merchant to began a XXXX XXXX XXXX. We signed a contract that stated after 3 months of our engagement my app would be fully delivered and code would be transferred over to me. I paid a deposit of {$1500.00} to begin the work. After 3 months, that contract was breached, and the merchant never delivered a finished product or code. I decided to give the merchant a couple of more months due to him not being competent enough to understand my scope of work. Little progress began happening once I began threatening to cut all ties with the merchant. I made all payments, as agreed upon via the contract, on time. During the months that followed, the merchant requested that i make payments across 3 different payment platforms due to him wanting to escape fees. During the development process, XXXX XXXX ( Business - XXXX XXXX XXXX worked with a development team to actually complete the work.
The merchant 's responsiveness began to fade. Come the end of XXXX and the beginning of XX/XX/XXXX, I received a call from the development team who said they were going to terminate work on my app if the merchant did not pay them from the money i was paying him ( he had a contract with them ). They advised me to wait it out for a couple of weeks and if nothing was resolved, I should move forward and try to collect my funds.So we both waited it out.
The merchant, once again, failed to uphold his side of both of his contractural agreements. I went ahead and contacted the merchant to request a refund and end my relationship with him. In our text conversation ( as at the time the merchant was unable to take a call ), the merchant mentions that " ... I will be happy to give you a refund so you can move forward. I will be in touch ''. I asked the merchant when i'd be able to see the refund and he was unable to give me a time/date. I contacted an attorney and paid {$200.00} to receive a Demand Letter to send to the merchant. The merchant refused to respond to the demand letter. After several attempts to resolve the matter on my end, I opened disputes with each payment platform where payments were made ( this equated to {$500000.00} ). All of the payment platforms resolved the disputes in my favor ( and i have proof of that ). Citibank, however, immediately ruled in the merchant 's favor because he responded back saying " he was able to deliver the code to me ''. This is why I am writing this complaint about CitiBank.
It would be months thereafter, where the burden of proof would lie on my lap to prove to Citibank, a financial institution i have been with well over a decade, that the merchant was a fraud and could not fulfill his response. For weeks, I monitored the status of the dispute and each time I provided proof of a demand letter, proof of other banks rulings in my favor, the text from the merchant saying he would give me a refund via text, and breached contract. All of which were insufficient by the investigators on the Citibank side. I decided to call to speak to a supervisor on XX/XX/XXXX. His name was XXXX. He advised me that if i could provide proof ( letter or email ) from the development team that they terminated my work due to XXXX XXXX not paying them, that would be sufficient in my case against the merchant. On XX/XX/XXXX, I asked the development team to send me a written form of documentation to prove my case. They sent that to me and I sent that to CitiBank.
On XX/XX/XXXX, I called to confirm that my additional information for received by Citibak. I spoke to another supervisor by the name of XXXX. She confirmed that my document was recieved, thanked me for going through the lengths that I did to provide the email from the development team and ensured me, as all other had at Citi who I spoke to about this matter, that Citi would diligently work to see this in my favor ( this, of course, was a little unbelievable considering all of the hoops I had to go through as their customer to prove that the one piece of information from the merchant could not be fulfilled ), I'd like to add that the code is currently in the possession of the 3rd party Development team - who the merchant refused to pay. There was no way the merchant could deliver my code. He lied to CitiBank and they still took his side.
I waited out a decision and on XX/XX/XXXX, I once again received the typical notice " we have ruled in the merchant 's favor ''. I was told that I needed a written statement from the merchant that said he would refund me a total of {$1500.00}. This is impossible. If i was able to receive such a document from the merchant, i probably would not have opened a dispute in the first place. In that regard, one would assume that the merchant saw the error of his ways, and I would not have had to go through such great lengths to get my funds.Citi 's request of me is unreasonable by far. I can't imagine that any merchant would provide that to a customer who they are trying to get over on.
The other payment platforms asked for proof that the merchant could provide the code to me. This was satisfactory in my case because the merchant had to prove that he could deliver on his promise. Because he had no proof, due to him scamming the 3rd party development team, the merchant lost every single case I opened.
CitiBank failed me completely and let a fraudulent merchant - XXXX XXXX of XXXX XXXX XXXX keep my funds. They put me through so much to prove that this merchant was fraudulent. There was zero requests from the merchant to prove that he did not XXXX me over. I provided overwhelming explanations and documentation. Because I was unable to get a civilized letter from the scammer merchant saying he'd give me a refund in the amount I was disputing - which is ridiculous at best because at that point there would be no need for me to open a claim since one would assume if I was able to get such documentation me and the merchant would have a great relationship and see eye to eye, Citibank sided with the merchant. The request from Citibank is ridiculous.
I am Citibank 's customer and I was let down greatly. I provided an entire text thread where the merchant mentioned that he would refund me. That was insufficient for CitiBank.
I am highly disappointed and will be seeking to close out my account with them. I have never felt so unsupported by a company in my life.
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| 05/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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Backstory : I made a purchase from a merchant, The XXXX XXXX, using my CitiBank Double Cash credit card.
There was an issue with the purchase - I purchased the items ( two high quality totes ) brand new, and they arrived completely shattered.
The cost per item was {$20.00} + {$30.00} shipping, for a total of {$71.00}.
In contacting the merchant, they refused the return on the grounds that I had to ship it to them myself at my own cost.
Due to location and volume of shipment box, a shipping cost quoted for me as an individual consumer was {$100.00}! For that price it would be cheaper to buy three brand new totes.
Story for complaint regarding CitiBank : I contacted CitiCard on XX/XX/XXXX via their online dispute for individual transaction. The very first selection in the Dispute process was indicating that the dispute was for " Damaged items. '' I only disputed a partial amount - {$50.00} - that would be the price of one tote plus shipping if I was to repurchase them again, as I believed I might be able to salvage the other tote. I indicated that the merchandise was received on XX/XX/XXXX, and that I had attempted to contact the merchant by phone to resolve the dispute, to which they answered as I had previously indicated above. I also indicated that I had attempted to return the merchandise but was unsuccessful, also as indicated above. I provided full details of the items purchased, how they were received and the full extent of damages.
This is a process I'm used to, and especially with CitiBank as prior to this they always offered the best support when it came to disputes, because there are unfortunately too many bad merchants on the market today. For even further emphasis, I had gone through this same process with the same merchant in the past, and Citi resolved it immediately with no issues.
That was not the case this time.
The timeline of what occurred ( in regards to this complaint ) : XX/XX/XXXX - opened dispute and received e-mail stating dispute was received XX/XX/XXXX - received a short e-mail stating they had contacted the merchant and the merchant had until XX/XX/XXXX to respond XX/XX/XXXX - I received a voicemail from The XXXX XXXX, stating that they had been contacted and originally going to schedule a XXXX pickup of the merchandise, but that they had been informed that I was already refunded through the dispute and as such instructed me to dispose/donate the items.
XX/XX/XXXX - I received another short e-mail from CitiBank stating that the merchant had still not responded to them.
XX/XX/XXXX - I received a short e-mail from CitiBank stating that they'd heard back from the merchant, were reviewing the information they provided, and would get back to me within 10 business days.
XX/XX/XXXX - CitiBank posted a letter containing a two-page copy of the merchant 's response. Base on that information, they stated that they closed their investigation and reversed the credit. They went on to state that if I continue to dispute the charge, that I must provide a letter with an explanation that I attempted to return the merchandise and the reason for merchant 's refusal, along with an explanation of how the merchandise was defective. They asked for the letter to be signed and returned by XX/XX/XXXX. I promptly photocopied the letter and wrote back a response. I detailed that I was continuing to dispute the charge, indicating the attempted return as originally described when submitting the dispute, and indicating The XXXX XXXX 's recorded instructions to dispose of the merchandise because I had already received a refund from the dispute so they were not going to send XXXX to pick the items up. I stated that I would not be signing the letter, as I was in disagreement with their decision and did not acknowledge closure of the dispute. I indicated that Citi has acted with negligence - that the merchant 's response included was the same exact basic purchase information I provided in the dispute to Citi directly, but that there was a lack of any documentation regarding my dispute for the damaged merchandise, their original refusal of the return, and of their acceptance of the dispute and their instructions to dispose of their items. I also stated that as a Citi consumer, I was not only covered through dispute investigation, but two of their benefits : ( 1 ) Damage & Theft Protection Purchase and ( 2 ) 90 Day Return Protection.
XX/XX/XXXX - I received an e-mail thanking me for providing information requested and that they'd review it and get back to me.
XX/XX/XXXX - CitiBank posted a letter that day stating that they were unable to resolve the dispute in my favor because they did not receive valid documentation proving that I returned merchandise or attempt was made to return merchandise.
Summary : I issued a routine dispute with CitiBank due to damaged protects from a merchant who originally refused the return.
CitiBank contacted The XXXX XXXX, and as a consumer I don't know what was said but according to my recorded message from The XXXX XXXX they had been informed of the dispute by Citi and resolved to accept it, and instructed me to throw away the items.
Without considering a single shred of the dispute details or evidence regarding the damaged product that was the entire reason for the dispute, Citi reversed their dispute credit.
At this time, this is fraud. CitiBank is double dipping from both the merchant and the consumer. They informed the merchant of the dispute and the merchant accepted it, instructing the customer to throw the item away because refund was already given from the dispute. But then CitiBank goes back on their side and reverses the dispute afterwards.
This means that CitiBank has now effectively charged me {$70.00} for items that were disposed per merchant 's order per CitiBank 's contact regarding this dispute.
I am most upset about the way I have been treated as CitiBank 's customer through this, as I stated have issued a few disputes through Citi before and all went through smoothly.
It's more alarming that CitiBank has not even adhered to its program benefits of ( 1 ) Damage & Theft Protection Purchase ( 2 ) 90 Day Return Protection As such, I count the issue of the dispute as one count of fraud and the above two program benefits that Citi has thumbed its nose at as two counts of breach of contract.
|
| 06/22/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
Servicemember |
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Complaint for review by Consumer Financial Protection Bureau Date : XX/XX/XXXX On or about XX/XX/XXXX I opened a Citi Priority Checking and Savings account in order to be eligible for a promotional [ {$700.00} ] bonus that was being advertised by Citibank. A Citibank employee referred to as Mr. XXXX XXXX assisted in the completion of paper work needed to open the Checking and Savings accounts. During the meeting, I specific asked Mr. XXXX if I was eligible for the {$700.00} Citi promotional bonus. Mr. XXXX stated that after funding the Citi Priority Checking account with {$50000.00} and the Citi XXXX account with {$200.00} that I would be eligible for the Citi Priority {$700.00} Promotional Bonus within Ninety [ 90 ] days after the funding date. At no time during XXXX did Mr. XXXX discuss with XXXX the following information provided by Citibank Client Care on XX/XX/XXXX XXXX The terms of the above promotion state a customer is not eligible for this offer if they are or were a signer on an existing consumer checking account within 180 calendar days [ 6 months ] of opening the new account. Your account records indicate you had exiting checking account number ending in XXXX which was opened on XX/XX/XXXX.
It should be mentioned that Mr. XXXX reviewed the Citibank Checking account that I opened on XX/XX/XXXX and closed on XX/XX/XXXX. Citibank Client Care clearly states that a customer is not eligible for the {$700.00} promotional offer if they are or were a signer on an existing consumer checking account within 180 calendar days [ 6 months ] of opening a new checking account. I opened a new checking account on XX/XX/XXXX, almost one year after opening the Citibank checking account ending in XXXX.
Several day later, I called and asked Mr. XXXX if he could email to me a statement confirming that I was eligible for the Citibank {$700.00} Promotional bonus. Mr. XXXX sent an email stating that I was eligible for the Citibank Promotional bonus.
Ninety days later, during the month of XX/XX/XXXX, I called Citibank to get a status on the {$700.00} Promotional bonus. I was informed by Citibank that the {$700.00} Promotional bonus would be available in my Citi Priority checking account within a few weeks.
In XX/XX/XXXX I called Citibank to get a status on the {$700.00} Promotional bonus. I was informed by Citibank that the {$700.00} Promotional bonus would be available in my Citi XXXX checking account within a few weeks.
On XX/XX/XXXX I called Citibank to get a status on the {$700.00} Promotional bonus. I was informed by Citibank that due to a prior Citi Priority checking account ending in XXXX, as of XX/XX/XXXX I didnt qualify for the {$700.00} Promotional bonus. Victimized by Citibanks alleged grifting proclivities, I immediately went to a local Citibank to close my Citi Priority Checking and Savings accounts.
While waiting for the Citibank Teller to close my Checking and Savings accounts, I received a call [ XXXX ] from a woman representing the Citibank fraud department. The woman rudely stated that she had attached a fraud alert and had frozen the funds on my Citibank Checking and Savings accounts while I was waiting at the Citibank Tellers window. The Citibank fraud department woman then asked me if I was aware of any fraudulent activity relating to my Citi Priority Checking account.
I mentioned to the Citibank fraud department woman that I wasnt aware of any fraudulent activity and that I was standing at the Citibank Tellers window waiting an unusually long period of time for the Citibank Teller to close the Checking and Savings accounts and to combined the balances from the two accounts into one check. I wasnt aware that in a sneaky manner the Citibank fraud department woman was accusing me of fraud and was freezing the accounts that I was attempting to close.
I believe that the Citibank fraud department woman was intentionally delaying the closing of my Citibank Checking and Savings accounts in preparation for police intervention against me, while I was patiently waiting at the Citibank Tellers window. A XXXX woman calling the Police to investigate alleged fraud activity linked to an XXXX-American male visiting a Citibank is an instant death sentence for the XXXX-American male.
Summary In an attempt to clean up a very XXXX and asinine event, the Citibank fraud department woman angrily stated that she would remove the fraud alert and release the funds from my Checking and Savings accounts.
Based specifically on my race, Citibank intentionally conned me into participating in a fraudulent scheme while vomiting an XXXX attempt to create an alleged grifting issue by intentionally freezing my Checking and Savings accounts and initiating an asinine fraud alert and possible police intervention as a method to seize the funds from my Citibank Checking and Savings accounts that I was patiently waiting to close on XX/XX/XXXX.
Upon activation of my Citibank Priority Checking and Savings accounts on XX/XX/XXXX, Citibank intentionally refused to inform me that I wasnt eligible for the Citibank Priority {$700.00} promotion. Instead, Citibank forced an employee [ Sesan Ogunsemowo ] to lie and to cheat in order to find a way to confiscate funds from my Citi Priority Checking and Savings accounts.
If I were a XXXX man, the above-mentioned Citibank employees wouldnt dare attempt to lie, steal and cheat in order to take financial advantage of what they perceived to be a XXXX and XXXX XXXX targeted by alleged grifters. This asinine and alleged grifting scheme concocted by Mr. XXXX XXXX and the Citibank fraud department woman was a very humiliating event that couldve easily escalated into police intervention and my murder. Yes, Mr. XXXX, grifting coupled with racism can be very profitable and very noxious.
CC : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX.
XXXX, WY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, NY XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX
|
| 09/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
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My overall complaint with this company is that I held up my end of the agreement with XXXX XXXX XXXX XXXX. and ultimately they are holding me responsible for their actions, ones which are out of my control. In short, I made payment arrangements to pay {$1700.00}, in XXXX payments, by XXXX. I made the first payment of {$590.00} on XX/XX/XXXX via telephone. The next payment was due XX/XX/XXXX. Not knowing whether I had set up an automatic payment or not, I contacted XXXX XXXX XXXX PRIOR to the first payment date, on XX/XX/XXXX. I was told that I had not set up automatic drafts. I inquired whether my payment arrangement required the periodic payments or whether I would be able to pay varied amounts at varied times as long as I paid in full before the final date in XXXX. I was told that as long as I pay in full by the final date in XXXX, my payment arrangements remain in good standing. As the XXXX date approached, I wasn't aware of the exact date but knew is was somewhere around the second week of XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX to find out the final payoff date, to express my intentions to resolve the debt by that date, and to confirm that I was still in good standing with my payment arrangements. Again, I was told that my payment arrangements were in tact as long as I made the final payment by XX/XX/XXXX. XX/XX/XXXX arrives, which is a Sunday, and XXXX XXXX XXXX is not in operation doing business that day. I spoke with XXXX XXXX XXXX the following day attempted to pay the debt off in full to which I was told I had broken the agreement and in order to pay it off I would have to pay an additional ~ {$400.00}. I questioned why I was being held responsible for breaking the agreement when they were not even open and available to accept the payment. I let them know that the request for additional money seemed quite unreasonable, especially since I was attempting to pay the debt in full as per our agreement at this point not even a full 24 hours had passed beyond the scheduled payment date. After speaking with XXXX the situation was escalated to his manager, XXXX XXXX. XXXX said she would research the call history and see if I had called in ( as outlined above ), whether I had been told I could make the payment on XX/XX/XXXX, and to make a determination on whether I could pay the debt off in full as arrangement. She said I would be her first call on XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX I called to speak with XXXX or XXXX who were not available. At XXXX XXXX called me back and read an update in the system that stated the payment arrangements were broken on XX/XX/XXXX. I let XXXX know that appeared to be the update from the previous day and told him what XXXX was researching to get back to me with a final determination. He said XXXX wasn't available and asked me to call back in thirty minutes. I called back in thirty minutes and XXXX and XXXX were at lunch. I called back at XXXX and spoke with XXXX who said XXXX was gone for the day, having left at XXXX. XXXX said he would give me a call back by XXXX on XX/XX/XXXX. On XX/XX/XXXX I called and spoke with XXXX between XXXX. XXXX said XXXX had called me around XXXX. I reviewed my call log and saw that XXXX had called from an unknown number and the call was not answered. I left another message for her to please return my call, stating that I would be on the lookout for unknown or unfamiliar numbers. On XX/XX/XXXX at XXXX I called back again and spoke with XXXX XXXX state that I had not heard from XXXX . He said XXXX and XXXX were not available and he would have XXXX call me back from a XXXX or XXXX area code. XXXX called later that day and stated she did confirm that I had called in each time as I stated and that I was told to pay my bill on or before XX/XX/XXXX ; but, she refused to honor the agreement even though they were not open and available to do business on XX/XX/XXXX. I let her know that it seemed unreasonable and that I felt this was unfair debt collection practices since they are holding me responsible for not paying a bill when they werent even open AND I attempted to pay the bill on XX/XX/XXXX which was the next available opportunity to do so. I called back on XX/XX/XXXX to find out how I could lodge a complaint with the original creditor ( Sears/Citibank ) and I was told that they could fill out a form on my behalf and forward it to Sears/Citibank. I stated that didnt make much sense for the people I am complaining about to make a complaint on my behalf and accepted the toll-free number they provided for Sears/Citibank. I next asked the process to lodge a complaint directly with XXXX XXXX XXXX and was told that I could speak with XXXX XXXX, the General Manager, and highest management available to speak with about concerns. Again, I told her that it wouldnt make much sense for me to lodge a complaint with XXXX XXXX since she is one of the people I was complaining about. We ended the call and I proceeded to contact Sears/Citibank. While on the phone with Sears/Citibank, I received a call from XXXX XXXX , XXXX and the Sears/Citibank representative was nice enough to hold to see if we could come to a resolution. The call was from XXXX XXXX and she stated she was in management and was trying to see if she could assist with my complaint. After rehashing the entire issue, she too stated that I had broken the agreement by not paying on XX/XX/XXXX. Then she proceeds to tell me that I had actually broken the agreement on XX/XX/XXXX when I did not make the payment schedule for that day. I asked her how that was possible for two reasons : # 1 I contacted their office on XX/XX/XXXX, prior to the payment date, and was told I did not have to make the payment as scheduled as long as I made the payoff by in full by the closing date. # 2 If I had broken the agreement on XX/XX/XXXX then why was I able to speak with a representative on XX/XX/XXXX who informed me that my payment arrangements were in good standing and I had until on or before XX/XX/XXXX if in fact they were actually broken on XX/XX/XXXX. Again, I protested how am I being held responsible for breaking the payment agreement when I have contacted XXXX XXXX XXXX each month to confirm that I am good standing and proceeding appropriately. This is why I have lodged this complaint because I feel these are unfair and deceptive debt collection practices.
|
| 11/30/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I got a scary voicemail from a phone number in XXXX, CA stating they were from XXXX XXXX XXXX ( they also called themselves " XXXX '' ) and that I owed a past due amount of {$2400.00} for a Best Buy credit account which was initially closed in XXXX. I get a lot of weird scam calls so admittedly I don't always check my voicemails or answer my phone. Upon looking at my call log, the first call from them was about a week ago. I saved the most recent voicemail, I got two of them from two different numbers ( the other number was an XXXX number ) stating that there was an order out to seize my assets/bank account.
Anyway when I saw the local number from California I got suspicious and called them. The guy who answered claimed to be a certain XXXX XXXX ( he even gave me a number and extension to reach him : XXXX extension XXXX and saying that I owed this amount and that I had 72 hours to respond and that it was recommended I give an answer today. My choices were either to settle with " his attorneys '' for a lower amount paid all at once ( he suggested {$1500.00} which is still a staggering amount of money for a card on which I didn't owe more than {$500.00} at any given time ), or to work out a payment plan over the course of six months for the full amount. He said if I didn't respond, I would be served in court and have to pay the full amount all at once.
I asked about any details regarding the actual amount due minus the interest, what the percentage of interest was, when this all occurred, etc. I explained that the last I heard of this account, which I initially opened in I think XXXX or thereabouts, I had paid it off somewhere in the range of $ 200-300. I said I remembered talking to someone around XXXX and requesting that the account be closed and that they stop calling. Even back THEN I kinda thought it was weird and thought I had already closed the account, but I paid it. And as far as I could tell, they then left me alone, whoever it was, although I don't recall getting any confirmation of this, which again ... in hindsight- is weird. I've moved a lot but I would have noticed something in the mail, and they never called me ( and I've had the same phone number for 15 years ). However, I never heard anything else about it after this.
I eventually got my finances cleaned up a bit over the course of the past decade or so. For example, I applied for, and got, a mortgage in XXXX, at which point my FICA score was in the 600s, I was able to obtain a couple of credit cards, I got back on track financially ... so this was out of left field and extremely traumatizing to me. When I asked why all of this was able to occur despite this supposedly outstanding debt, he got a bit aggressive with me and said " well all of that would be taken away from you if you don't pay this. '' He also threw around the phrase " defrauding a financial institution. '' Furthermore, when I applied for the mortgage I distinctly remember having to explain a couple of late credit card payments, due to issues with my XXXX account, moving across the country and switching banks ... just life happening, basically. I don't remember there being anything about a Best Buy credit card on any of that paperwork. I would have noticed and resolved it then. When I asked this guy why it hadn't come up, like I said, he couldn't give me a straight answer.
He also claimed they sent me a letter 45 days ago and gave my new address ( I recently moved to LA and filled out a change of address form at the post office and everything ) and I said yes it would have gone to that address, but that I'm pretty sure I didn't get anything there ... again, I would have noticed. I asked if they could send me any documentation about this and he said they'd already sent it and that now it would just have to go to the " processing department '' or something like that.
The whole time we're having this conversation, he's making it sound like I'm a fraud, like I'm totally crazy or something, like I have no idea what I'm talking about. It was incredibly traumatic as somebody whose past due bills actually HAVE gone to collections and who had to defer my student loans and almost filed for bankruptcy in about XXXX. I was practically crying. I am also a transgender man and legally changed my name and gender marker back in XXXX, but he still had my old name and initially called me ma'am, which was really unsettling to me.
I finally got off the phone, I had to LEAVE WORK EARLY because I was so rattled by this and couldn't focus for the rest of the day. So I get home, and he calls me AGAIN and was like, " Well? We're waiting for your answer on how you will resolve this '' and I was just like, wait a minute, you're asking me to pay this arbitrary amount of money within A DAY that it took you guys FOUR YEARS to apparently uncover ...? I haven't had time to talk to anybody.
Things escalated and I told him, just stop calling and leave me alone. I said I don't know what I will do about this but please stop calling and leave me alone. He hung up and then called back a few minutes later, I yelled at him again, he hung up and then called back almost immediately ... I answered, and he said he would send everything straight to " processing '' ( to serve me, I guess ...? _ ( ) _/ ) if I didn't respond.
I tried to have yet another conversation with him to get clarity and he was evasive and kept saying things like " this is YOUR debt, this is YOUR problem '' when I told him to have some empathy for me and realize that he totally blindsided me and dug up literally a decade-old part of my financial history that I would like nothing more than to leave behind.
So I don't know if this guy is legit but he kept saying " you can look us up, we have an A+ rating with the XXXX XXXX XXXX '' and was acting really shady. Whether or not this is a real thing or a scam, I'm beyond disgusted at the soulless people who prey on the poor. I blocked all the phone numbers I could and will continue blocking. If they serve me, I guess I'll figure out what to do then, but until that point, wow, just wow.
I don't know how people like this sleep at night. The system is beyond broken. I'm XXXX years old and I'm pretty sure that 20 years ago, I was promised a better future than this. I don't know what happened to me today but I want someone to listen.
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| 12/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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I was looking to purchase a Mattress for me and my husband in the month XXXX, XXXX. I had excellent credit because I try my best to keep mine and my husbands credit scores as high as possible, because credit is something that lives with you forever, and it comes in need very often. I didnt have all the cash to purchase the mattress that I was buying so the sales person offered me a credit card with benefits I could not refuse. I was told this credit card has absolutely No interest charges on any purchases for 12 months. I told my husband if he agreed because he was with me and we both agreed it was a good deal. The sales person ran my credit and approved me for a {$5000.00} limit and No interest on any purchases for 12 months, which would be XX/XX/XXXX. We purchased the mattress that we wanted, the total price was about {$1500.00}. And the first payment would be due in a month. A week or so later I received my credit card in the mail. Every month when my payment would be due I would make a payment of {$500.00} at the least. The minimum payment amount would only be {$55.00} or {$60.00} dollars. But Id always pay way more. Every now and then Id make a purchase online for something I needed or for my kids, or Id pay to get diesel in my truck. There were many times when my card would decline at the gas stations. Id call the credit card company, even though they would completely verify me and falsely tell my the card is working now, my credit card would Not work it would continue to decline, even though I would be way below my credit limit, still decline. I was put this this situation about 7 times. These were the worst of my days. I had never felt so helpless and embarrassed as this credit card put me in. Even late at night when driving home from work my card would decline at the gas pump. Id have to wake my husband and ask him to XXXX me some money to the bank account. Even he would be so disappointed because I would pay so much extra money every month on time towards my credit card and way below my limit and on top of that I had set my account up for Auto Pay. So they were sure that they would be getting there payments. A few times in XXXX month I used my credit card to pay for diesel fuel at the gas station, so my balance was up pretty high, still though I was not behind on payments or had not made a late payment or anything like that, I had auto pay set up for the minimum payment plus {$500.00} every month. So when my payment was due, the minimum amount plus {$500.00} was taken out plus another payment for over {$5000.00} dollars. Literally over {$5000.00} dollars taken from my account without my consent or knowledge, I new nothing about this. This money was there to cover the expenses for my truck insurance, {$1600.00} a month and truck payment which is {$3000.00} dollars a month. Now its gone, I couldnt use the card, they turned my card off and took the entire balance from a customer that was making every payment on the. There was a time when I made a {$2300.00} payment just to bring my balance down. After they took the {$5000.00} dollars out of my bank account, I called them several times literally begging them on the phone to return my money because my other important payments would get returned and if my business insurance gets returned, then my insurance will cancel which would then cancel all of my operating permits. The only reply I received from every customer support agent was we cant return any money at this time if anything, the system will possibly return it in 7 to 10 business days. I was broken hearted, the worries that this credit card put me in were outrageous. I am a mother of XXXX children, I manage my own XXXX and feed my children by myself because my the great husband that I have is XXXX. His XXXX XXXXXXXX XXXX XXXX in XXXX due to the fact that if he had kept his XXXX, he would of been XXXX XXXX XXXXXXXX XXXX. Thank XXXX he made the correct decision. After the credit card company withdrew all my money, {$500.00} dollars plus the minimum payment plus another {$5400.00} XXXX XXXX XXXX XXXX dollars, my bank charged me multiple fees for returned checks. I managed to get buy with the help of my father in law. He helped me pay for my business insurance and business payment. It had been about 15 days and by then next months payment was due. I couldnt believe my eyes when I opened my statement. This credit card company falsely claimed to have returned the {$5400.00} dollar and added that amount to my balance plus interest. I was no interest for XXXX entire year when I applied for my credit card, but the credit card company broke the contract rules because of there own doing, adding over {$5000.00} to my balance refusing to remove the interest. With the interest add my new payment was {$2400.00} dollars. This credit card company was literally robbing me. I should have No interest for XXXX year which should of been added in XXXX of XXXX, and an extra {$5400.00} dollars added to my balance. I literally cried for 3 days. Because I didnt know what to do. I was completely being taken advantage of and couldnt do anything about it. I made a payment of as much as money that I had at the time. I made a late mortgage payment for the first time in 13 years because of this credit card company. I searched online for someone to call that would help me. I found this website and here I am pleading my innocence. I had a credit score of close to XXXX, before I opened this credit card, I am to scared to even look up my credit report. I XXXX XXXX, a wife and a mother of my children am writing to you on behalf of what this credit card company has done to me and will continue doing unless I receive help. I will upload all the statements that I have received showing the payment amounts that Ive made and the negligence that this credit card company has been doing to me. I will provide you with any documentation of information that you ask me for. I am asking for your support so that I can prove to you how much advantage this credit card company has taken from me and my family. All the money that Ive already paid this credit card company and so much more they are taking from me. Please help me get some of my money back, You will be rewarded some day for giving me the chance to prove how much advantage was taken from me. Thank you very much
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| 01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Re : False, inaccurate and misleading negative credit report Citibank responsible for making immediate corrections Dear Responsible Person at Citibank ; According to the information provided by XXXX, lenders are required to investigate and respond to written disputes that are mailed to the address they publish for disputes.
( Note : Citibank may publish this address, but they make it surprisingly difficult to find. For instance, a search of Citibanks website help section does not bring up the address in question.Today I spoke to 3 CSRs, none of whom were willing or able to provide this address. I am writing Consumer Finance.gov because Citibank makes this information nearly impossible to find.
I am writing to demand that Citibank fulfill minimum legal responsibilities to me and remove any and all false and inaccurate negative credit reports and cease filing inaccurate reports against me forevermore. All charges, fees are to be reversed as well. Within 60 days, please confirm each and every corrective action that Citibank has taken by providing me with a written record.
BACKGROUND : Citibank first asked me to confirm fraud activity on my former account, XXXX, in XX/XX/2021. I did so. There is a vendor known as XXXX XXXX that was making multiple recurring ( often daily or several times per day ) unauthorized small and medium sized charges to my former account.
As requested, I confirmed the fraud. Sadly, this did not resolve the issue.
Since that time, Ive made many, many, many, many attempts to report and solve the same fraud, following Citibanks procedures. Sadly, hours of effort on my part went nowhere.
Following the initial fraud report, Citibank failed to protect my card from further fraudulent charges. This led me to report the same fraud over and over and over and over and over again. The fraud is simple to see and to detect. It represents approximately 90-95 % of the charges on my account. Citibank repeatedly promised to block XXXX XXXX, then repeatedly failed to do so. They knowingly left my account unprotected.
Each subsequent occasion that the same fraudulent vendor was identified, I was asked to report it and I did. Finally, seeing no improvement and unable to deal with continued blocks on my card and other challenges that seem to go with the Citibank customer service experience, and having given up any hope that Citibank was capable of doing what they said they would do, or otherwise serving my needs as a customer, I decided my only remaining option was to cancel my account with Citibank.
Citibank makes it hard to leave. Even after paying my balance in full and informing Citibank, I had to cancel my account twice, first on XX/XX/2021 and again on XX/XX/2021. It would appear that, even after such clear instructions and withdrawal of my authorization to accept charges on my behalf, Citibank never canceled my account.
Given my experience that what Citibank CSRs say and do failed to match on so many occasions, I specifically asked the person to type my words into the record as a means of clarifying and recording my instructions. I paid the bill, cancelled the account and clarified that I will in no way be held responsible for any further charges, fees, or interest on the account, fraudulent or otherwise.
It is not possible for me to know if the records from XX/XX/XXXX and XX/XX/XXXX are complete or accurate. They should reflect an account paid in full and cancelled. Anything else would be in error. Sadly, given what happened next, I have reason to doubt that the records accurately reflect my instructions.
Cancelling and paying my account in good faith should have been the end of it. It wasnt. Citibank continues to create problems for me.
Instead Citibank ignored valid instructions yet again This time I learned that Citibank had ignored my cancellation instructions and sent a new and very much unwanted card. Since I am on long-term travel status, I never received this card. For the purpose of security, I asked the recipients to cut it up and throw it into the trash. I never called the XXXX number. I never authorized the card to accept charges in my name. Ive never seen this card. I do not know the account number. Since I do not know the account number, I have no means to access online or phone support at Citibank. I have no means to beg another XXXX to please this time, take appropriate corrective action. I can not even get thru.
What I do know is that since the cancellation ( XXXX ) in XXXX, without any authorization whatsoever, Citibank decided not only to accept charges to this ownerless card, but the charges that they are accepting are from the very same fraudulent vendor, using the same fraudulent pattern, as has already been reported multiple times.
Accepting known fraudulent charges on an unauthorized card is an outrage enough. Now the problem is made worse because Citibank is now using their mistakes as the basis to make new false, misleading and inaccurate reports about me.
These misleading and inaccurate reports are harming my credit score. I have always paid all legitimate charges on time and in full. The attack on my credit score is 100 % unacceptable.
Based on my experiences with Citibank thus far, I chose to stop doing business with them. I have no relationship with them now nor will I ever in the future. I am in no way responsible for fraudulent charges that, without my permission and against my express wishes, Citibank unilaterally allows to keep growing on an unauthorized card.
It is Citibanks obligation and duty to correct each and every one of their false and inaccurate reports, statements and records that are in any way attached to my name, and to restore my credit to its previous perfect level. It is Citibanks responsibility to reverse any and all charges, fees, interest, or any other name they come up with for taking my money while not providing services.
Within 60 days, please send written confirmation of Citibanks agreement that my account was left paid in full and in good standing and that I am not nor have I ever been responsible for any of the fraudulent charges or any charges to the unauthorized card. Please include a record of the actions you have taken to rectify your errors and correct any and all false credit reports. Send to my temporary address, XXXX
|
| 03/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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On XX/XX/2020 and XX/XX/2020, A total of {$3100.00} USD was siphoned from my account by an individual whom I shared a brief interaction with, of whom I would later discover was a criminal, who had executed the crimes in individual incidences. I discovered that the money was missing on the morning of XX/XX/XXXX, where {$1400.00} USD was missing. I proceeded to call all parties involved, XXXX and their subsidiary company / proprietary banking systems that operates XXXX XXXX applications : XXXX XXXX, Citibank themselves, and even the criminal ; as she was eager to once again meet with me, and I took it upon myself to invite her and inform local law enforcement. After a failed attempt to apprehend the criminal and calling upon Local law enforcement, she fled the scene, nearly hitting a pedestrian with her vehicle. The Police arrived shortly after and conducted the investigation.
What would transpire in the following months is a series of phone calls, visits to various Citibank branches, and funds spent beside my better judgement in order for the money to be refunded to my account, of which I was told would not be guaranteed, despite the security systems at Citibank failing to inform me that thousands of dollars have been moved from my account to someone whom Ive never in the history of my Banking exclusively with Citi have ever sent in such quantities and brief periods of time.
I have documented several hours of phone calls, of which I was scrutinized, belittled, and met with confusion as none of the representatives understood what was going on, had no log of the information at hand, quickly refused to assist beyond their own means, made unfulfilled promises and claims stating that I never made any claims, spoke to representatives, or received any paperwork. I went to the local Citibank Branch in XXXX XXXX XXXX to send physical paperwork over through the branch, only to find out most of them werent received by overseas Citibank representatives. I acquired the assistance of Branch managers at Citibank to no avail, as the line of communication to customer services is dismal at best.
Shortly after I discovered, that despite all of my time spent returning the claims, drafting detailed documents explaining how the events of the robbery unfolded, being promised that my money would be returned to me in a 120 day period, that I my cases were denied, and then I would have to submit for an appeal process that would require addition time and expenses to send the documents over, as well as an additional 120 days. I was completely flabbergasted, scared, and frustrated. Despite all that Ive done, while receiving threats against my life, and doing all of this with no help whatsoever, Im being told its not enough. Citibank representatives after that point grew condescending towards me, and made me feel like a pathetic and worthless ingrate, and not someone who has been a loyal customer for them for nearly a decade. Even after dealing with them not wanting to refund my money, making ridiculous over drafts on my accounts over the years, and closing out my bank accounts several times for transferring money, I remained by their side. Citibank closing my account is actually one of the reasons why my money was so easily stolen, as the majority of my income remained in my savings account, with only around {$100.00} to {$200.00} USD remained in my checking account for casual spending, but Citi, who has of recent lifted the moratorium for funds transfers ( only 6 intrabank transfers per year ), caused all of my money to sit in my checking account, and therefore allowing merchants to have free reign on my savings.
As a result of being demoralized by the process, I have undertaken psychiatric therapy, and have moved from my home as my life was being threatened by the criminal. I decided to visit Citibanks social media platforms and openly complain about their services, and this was the only time after 2 months, that I was reached out to.
I spoke to a representative named XXXX, and she guided me through the appeal process, of which costed me an additional {$50.00} USD to print documents, manually ship, transportation, etc. I had done it once, to which I was mailed back several documents asking for additional information or we dont understand what youre asking us to do, considering that it was obvious after several months of speaking to representatives and law enforcement officers, that I simply wanted my money returned to me.
I proceeded then to mail them out an additional packet of information, hoping that the appeal crew would receive it in some time. It showed up on XXXX the XXXX, and was told that I would be receiving a confirmation in the mail detailing the decision on the appeal by XX/XX/XXXX at the latest. I have yet to receive anything in the mail, and as I attempt to reach out to the representatives at Citibank via their twitter platform ( Easiest place to contact representatives directly ) Im being ignored, and no one has been reaching out to me I the slightest, however, I still receive their marketing emails, and whatever it is that they are trying to sell to me. Its insulting. It feels as though they are telling me that they can get away with treating people in any way they choose. It is unfair to me, and all of those who have had to suffer in order to receive what is rightfully theirs.
It has now been seven months since the incident, and Citibank is remaining indignant in their choice to remain absent from the position I am in. Ive suffered so much and did everything in my power to get them the information that they requested, but Ive been made a fool. All I want is for the money that I had earned and saved to be returned to me as they promised.
I have several documents of the information that I had sent to them over the course of this incident, all of which go into detail about the events that transpired. Those documents will be included in the report, as well as my bank statements showing the maximum amount of money I have spend over the course of 8 months to show consistency in my spending to Citibank ( {$700.00} USD for Mortgage to XXXX XXXX ). I hope this information is of use to you, as apparently it isnt to my bank, and the people who I sworn my trust into all of these years.
Thank you for hearing me out, and god bless.
|
| 04/19/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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|
Web |
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On XX/XX/XXXX, I opened a savings account with Citi and made two deposits totaling {$5200.00}. Nine days later, they emailed me informing that they were closing the account due to a supposed violation of their TOS. Specifically, the email stated that " Based on a recent review of your Citi ( R ) Accelerate Savings account, we found that you have violated the terms of your account per the client manual. '' While this was frustrating and unwarranted, I was confident they would return my money in short order and was more concerned about paying a credit card I have with them as the whole situation had locked me out of my online banking portal.
I called them on three occasions in XXXX to try to understand why they were closing my account. As a XXXX XXXX I understand that the models they use to screen for fraud can sometimes be over-cautious, so I figured that getting human eyes on the situation would resolve it. However, each time they told me that the account was marked to be closed, there was nothing I could do about it, that Id be returned any money I was owed in 45-60 days, and then they would hang up in my face.
It has been over five months since I have been locked out of my account. Last month, XX/XX/XXXX, I visited a Citi branch in XXXX to talk to a real person. The woman I spoke with was very surprised about the situation and coached me through two additional calls to the call center ( she could not personally unlock the account because I opened the account online rather than through a branch ). I learned that the account still has not been closed but is locked due to a still-pending investigation against my usage of the account. I also learned that the account is showing a balance of {$0.00} but they would not give me any info about recent transactions ( where did my {$5200.00} go? ) and are treating me like a criminal. They reaffirmed that any money I am owed would be returned within 45-60 days, which holds no water as the account has been drained and it has been over five months since they initially gave me that timeline.
Despite their lack of forthrightness about why my account is closed, I have pieced together through hours of conversations with call center agents that the most likely reason is they are suspicious about the way the account was initially funded. When I funded the account through ACH, my checking account info was already filled in ( from XXXX XXXX XXXX XXXX XXXX ), I assumed due to having my Citi credit card already linked with my bank. The site was acting glitchy at the time so maybe this was not supposed to happen and I needed to enter the info manually. Either way, the funds were successfully debited from my checking account on XX/XX/XXXX and never returned via ACH or check.
Citibank stole my money and I have no faith that it will ever be returned. This has taken a tremendous mental toll on me and come at a terrible time ( I was laid off in XXXX from my W2 and have struggled to find another job due to the dramatic hiring pullback in XXXX XXXX XXXX XXXX
TIMELINE OF EVENTS XX/XX/XXXX - I open a Citi Accelerate Savings Account online and fund it through ACH using my XXXX XXXX XXXX XXXX XXXX checking account in two transactions ( {$1000.00} and {$4200.00} ) to total {$5200.00}.
XX/XX/XXXX - The date that the funds show as debited from my checking account. I have attached a screenshot from my checking account portal as proof of the successful funding.
XX/XX/XXXX and XXXX, XXXX - I made two transactions totaling {$4700.00} to XXXX as payments toward a crypto-backed loan I have with them. Both are reversed by Citi despite the funds showing as present in the account at the time. Thus, the entire balance of {$5200.00} remains in my Citi savings account. This puts me in hot water with XXXX who now have reason to believe I *am* actually acting fraudulently and I am forced to scrape the money from elsewhere to prevent a penalty from the bounced ACHs. ( Based on my conversations with the reps, the transaction reversals are not the reason for the account lock, but rather the initial method of funding ).
XX/XX/XXXX - I receive the account closure email with no further clarification.
Between XX/XX/XXXX and XX/XX/XXXX - I call Citi three times, including one time to a branch in XXXX VA in an effort to speak to a domestic agent ( not overseas call center ) and each time go through many steps of verification just to have them inform me they are terminating their relationship with me and any funds will be returned in 45-60 days. They do not answer any questions about the reason the account is closed and hang up on me when I try to press for more information.
Late XXXX XXXX - I receive a form 1099-INT from Citi saying that I have earned {$18.00} in interest due to my Citi Accelerate Savings account which has an Account Status of Open according to the letter. This interest is proportional to the {$5200.00} initial funding and the advertised interest rate.
XXXX through XXXX - I receive no communication from Citi about the account, nor a check with the funds I deposited despite it now being well over 60 days since the account restriction.
XX/XX/XXXX - I visit the Citi branch at XXXX XXXX XXXX XXXX XXXX to try to resolve the situation in person. The woman I speak with assists me in calling the same call centers for the better portion of an hour and tells me that based on the account notes she believes that the bank thinks I improperly funded the account. She tells me she has never seen anybody treated this way by the reps. I am told by the call center reps that the account is locked ( not closed ) and when the account closes I will receive any funds owed within 45-60 days. They have no good answer for why it has been so long and the account is still locked. They tell me the account has been drained and has a balance of {$0.00} but refuse to give me any information on the transactions that drained it. Based on this, I believe that even when the account is finally closed they will not return the initial balance of {$5200.00}.
XX/XX/XXXX - I again unsuccessfully spend nearly an hour with the call centers trying to understand a timeline for when the funds will be returned. I go through every identity verification process with them, as before, but there is no further communication.
|
| 05/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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In XX/XX/XXXX, I received a phone call from Sears Mastercard inquiring about some charges that were attempting to be made on a very old credit card under my husband, XXXX XXXX and I 's name. I stated that we were not making these charges and that we had not used this account in many months. The account balance was XXXX and we did not have any cards for this account. She stated that these charges would be denied. That evening I went online to check this account and discovered that some fraudulent charges had actually been made. My husband and I immediately called Sears Mastercard, told them this was fraud and asked that the account be closed. After speaking with the representative, we were assured that it was closed. Approximately two weeks later, we received a letter from Sears stating that there was some recent suspicious activity and asked that we call them. Again, my husband and I called and learned that there were {$5000.00} of fraudulent charges that had been done and that the account had never been closed as we had requested and been told. The representative closed the account, reported the charges as fraud and told us that someone from the investigation department would be contacting us within two weeks to discuss the case. We also learned that the address they had on file was one of an old address of a home we had lived in 16 years ago and the phone number on file was an unknown number. We changed the address and phone number. On XX/XX/XXXX we filed a police report of this incident with our local sheriffs office. Beginning of XXXX, we discovered that all of the fraudulent charges had been put back on the account as due and owing. I contacted Sears Mastercard which is handled by Citi Cards and the representative asked if the investigation team had contacted us because that was the documentation stated. I told him no. After verifying information, the address on the credit card and telephone number had not been changed in the system as we previously had discussed with the representative earlier who had actually closed the account. He changed the information, gave me the fraud investigation department number, asked me to contact them the following day and let them know that the information was not correct in their system and to reopen the investigation. I contacted them the next day and requested his instructions. We began getting past due notices of a payment due on this account. I attempted to contact Sears Mastercard to get a status on the fraud update, was always transferred many times with no success. On XX/XX/XXXX, I was finally able to speak to someone named XXXX in the investigation department who was the investigator assigned to our case. She stated that they were able to ping one of the charges, gave me the name that was used and told me that I would have to go to the sheriffs office and file charges against this person. She also stated that this person could pay the account off or we could allow them to make monthly payments until it was paid off. Now, I have no idea who this person is. The investigator gave me her name and her " direct contact line '' and told me to call her once charges had been filed. I repeated her direct line 3 times to assure that I had the right number. The sheriffs office said charges could not be filed with a " ping '' and no evidence. I attempted to call the investigator three times and left three messages to return my call the next three days. I received no call back. I called a fourth time on the fourth day and left another message. Approximately 20 minutes after leaving the message, I received a text message that stated " I am not the person that you are trying to reach. '' My husband and I had to acquire the services of a fraud protection agency to assist us with this matter. By this time, we are receiving past due notices and collection calls. On XX/XX/XXXX, we, along with the fraud collection representative, were able to speak to an investigator named XXXX who reviewed our case and stated that she would take over our matter. She also gave us her direct phone line and our case number and assured that all charges would be removed. On XX/XX/XXXX, the majority of the charges were removed but there was a remaining balance of a near {$500.00}. After our review, it appears that the Sears Mastercard late charges and interest fees had not been removed. I called six ( 6 ) times for our new investigator, XXXX and left six messages. I received no return phone call. Our fraud protection agent also called for XXXX and left three messages. She also received no return phone call. On XX/XX/XXXX, I called customer service, spoke to someone named XXXX and she stated that balance would be adjusted within the next two weeks. On XX/XX/XXXX, we, along with our fraud protection agent, called the customer service line, was transferred to the Security Operations department and spoke to XXXX. After going over the entire case, she stated that she would reopen the investigation case because it had been closed. I told her that we were continuously receiving collection calls and she told me to tell them that the case was reopened to finalize the fraud. On XX/XX/XXXX, we received another collection call for payment. I stated what XXXX had said. The representative transferred me to the investigation department. The investigation department representative stated that she did not see that the case had been reopened. None of these charges were our charges. They were all fraud. We diligently reported them immediately. We HAVE NEVER RECEIVED ANY CALLS regarding our fraud issue from Sears Mastercard Citi Bank. ALL CALLS were initiated and made by us. We can not seem to find anyone to resolve this issue. This account had a {$0.00} balance, had not been used in a very long time and were fraud charges. Sears Mastercard Citi Bank continues to send us these demand past due letters. The collection calls have become several times per day. They have been reporting all of this on our credit reports which continues to reduce our credit score tremendously. I am asking and pleading that you please assist us with getting this matter resolved and these charges removed by Sears Mastercard Citi Bank. I am also insisting that all reporting to the credit bureaus on our account be corrected. Thank you very much.
|
| 11/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is a transaction dispute between myself, CITI Bank, and the merchant is XXXX.
This is the case we presented to CITI Bank : " CITIBANK Transaction Dispute Claim Merchant : XXXX Date XX/XX/2020 Amount : {$1500.00} Dear CitiBank Customer Service team, Please find attached a copy of the conversation with the XXXX XXXX XXXX.
SUMMARY : My partner and I were meant to travel to XXXX, XXXX at the end of XXXX and decided to rent at XXXX for a month. This is the summary of events as they occurred : On XX/XX/2020 at XXXX MT, I reached out to the XXXX XXXX inquiring about monthly discounts for a long term stay. There was no response. On XX/XX/XXXX XXXX MT I decided to request to book from XX/XX/XXXX - XX/XX/XXXX in the hopes of gaining more information and a response from the host. On XX/XX/XXXX at XXXX MT, XXXX accepted the booking request. On XX/XX/XXXX XXXX MT, XXXX sends a message : Thank you for the reservation. Please send me your passport copies so I can prepare a contract for your stay. What time are you planning to arrive?
At this point, I had just woken up and wanted to call the host to inquire about him needing passports and this separate contract, especially in light of COVID restrictions. He did not answer the calls and there was no voicemail system set up. I looked into this passport request on my own and found nothing on XXXX policies regarding hosts asking for passports or a separate contract outside of XXXX. He did not follow up about either. I then reached out to the XXXX XXXX in XXXX, to confirm access into the country and any laws detailing landlords requiring passports for international tenants. They let me know that entry restrictions to the Country had changed and I was no longer able to enter as American citizen and that they didn't know anything about housing laws requiring passports.
Now at XXXX XXXX MT on XX/XX/XXXX, I messaged XXXX letting him know about entry restrictions changing and that I wouldn't be able to make my reservation. I also asked for a full refund since I physically would not be able to be there. This was only 9 hours after he accepted our booking request. At this point we were suspicious that he had accepted our reservation and charged us for the full amount before us signing any contract that he mentioned or answering our questions. I immediately called Citibank on XX/XX/2020 after our reservation was accepted to stop this payment. I was told there was nothing I could do until the charge went through. I kept calling Citibank and in accordance with the protocol mentioned until the charge was posted and followed the steps required for a dispute.
On XX/XX/2020 XXXX MT I message XXXX again asking him to confirm receiving our previous message and to please respond. I do not hear back from him. At this point this was incredibly alarming so we decided to officially cancel the reservation on XXXX on XX/XX/XXXX XXXX MT. Additionally, I sent him a message letting him know I have been trying to get a hold of him via phone throughout the course of the day and he was not picking up, and I asked that he get back to us. A full three days afterward, XX/XX/2020 at XXXX MT I finally received a message from him back saying : sorry you could not make it. I will have to consult our main office regarding refund.
This response was very misleading because we thought we were dealing with a single XXXX host rather than an entire management company, nowhere on his profile did it mention he was a broker/agent/employee for a larger entity. We have not been able to speak directly with this management company. There was no way to directly contact the actual Merchant who took the money. There was no contact information or naming of this management company, so there was no way to speak to anyone else there. This withholding of information increased our suspicions of this being a scam in addition to his delayed responses to our messages. At XXXX MT XX/XX/XXXX, I wrote back in XXXX ( thinking Id have better luck at getting a faster response ) saying the following By the way I speak XXXX so feel free to answer me in XXXX, thats not a problem. Thanks for the update. Please keep me up to date with the progress of the refund. XXXX writes back at XXXX MT XX/XX/XXXX saying that : he spoke with management and they would like to keep up with XXXX cancellation policy and that they would offer us a discount should we want to book with them in the future.
On XX/XX/XXXX I called XXXX and spoke with one of their representatives asking about a refund in COVID-19 times. They said that : Reservations are fully refundable for 48 hours after the booking is confirmed, as long as the cancellation occurs at least 28 days before check-in ( XXXX XXXX in the destinations local time if not specified ) More than 48 hours after booking, guests can cancel before check-in and get a full refund, minus the first 30 days and the service fee.
However, they also mentioned that it was up to the hosts discretion whether or they wanted to refund us for the money.
The reason I am requesting a refund is that I believe I was subject to a fraudulent charge. The host instructed us to send copies of our passports and to sign a contract that was never discussed or given to us to look over and sign. He charged us before we were able to do so and refused to refund us or answer our inquiries via a phone call or messages we sent him. As we never agreed to the aforementioned contract, we are not bound by any documents and require a refund. '' The transaction dispute continued over the next several months and CITI bank hardly reached out to us to discuss the progress. They concluded the case in favor of the merchant despite our evidence and we had them open up the case subsequently after for another look.
We called CITI bank 40+ times from XXXX 2020. They were suppose to be advocating for us and they did not.
Moreover, they continued to charge us interest and revoke conditional credit even while the dispute was ongoing until we cited that they legally had to per Fair Credit Reporting Act ( FCRA ). They changed their tune and we slightly more helpful.
Ultimately, despite our overwhelming evidence against the merchant, the bank decided to rule in favor of them and charged us the transaction amount of {$1500.00} and interest.
|
| 10/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
This complaint is directed to : XXXX XXXX of Sears-Citibank.XX/XX/XXXX.
I previously sent copies of the requested documents I could get and have even though they were n't needed for resolution of the previous dispute. XXXX XXXX of Sears-Citibank credit card did n't accept them and refused to verify them with XXXX, consequently causing more disputes. This complaint is directed to : XXXX XXXX of Sears-Citibank. Because this complaint format doesnt differentiate the italics and bold used in my written information, Ive attached a written version of this complaint.
Below is my complaint : We appreciate your response to our letter dated XX/XX/XXXX; however, upon review, we found that the information you provided in your response does not support the cancellation of the service for the XXXX XXXX XXXX transaction. We respectfully deny your request for credit of {$260.00}, as well as additional compensation.
The information provided in my response does more than support my informing XXXX XXXX of Sears-Citibank credit card that I am disputing XXXX charging for one full years service rather than paying for XXXX month to month service. You say nothing in your response about your obtaining information from XXXX about their mandatory billing practices and cancellation policy.
No one has asked for additional compensation, yet. I was putting you on Notice that XXXX XXXX of Sears-Citibank credit cards behavior constitutes cause for suit in court should they not properly handle this dispute.
We understand you are displeased with the outcome of your dispute claim with XXXX Online ; however, our position remains unchanged. As previously advised, we contacted XXXX XXXX XXXX on your behalf regarding your request for credit. We were advised by their representatives that the services were not cancelled, as you previously stated.
As I previously informed you, XXXX was cancelled by me a number of times and they kept re-instating the account because it was an on-line account and they could do whatever they chose to. I was just actually able to cancel it for the last time XX/XX/XXXX because I downloaded my company on XX/XX/XXXX to my personal XXXX software I purchased previously. Once I downloaded my company I was able to close down that company on-line and XXXX had no choice or control over it anymore.
We made a good faith effort to assist with this dispute by contacting the merchant, who stated they are willing to work with you by walking you through the online cancellation process to issue refund.
Ive already contacted XXXX several times. Thats why I finally filed a dispute. If that was the actual case, they would have already done so. XXXX XXXX of Sears-Citibank credit card just doesnt want to do her job. If she did, she would have re-contacted them to verify the last information I sent her.
Regrettably, since you refused to continue the call with the merchant on XX/XX/XXXXXXXX, and have not provided the necessary proof of cancellation for the service charged on XX/XX/XXXXXXXX, in the amount of {$380.00}, we have no recourse to recover the funds.
TheXX/XX/XXXX call was from someone who didnt know anything about what dispute I had submitted and was going to have someone call me back who did and I got XXXX XXXX of Sears-Citibank credit card. To see if this was an improvement all one has to do is review the complaint and XXXX XXXX of Sears-Citibank credit cards response.
Any further concerns regarding this matter will need to be directed to XXXX XXXX XXXX. Just as you are subject to the terms of your agreement with XXXX XXXX XXXX, we are also subject to their cancellation credit policy.
Again, XXXX XXXX of Sears-Citibank credit card, what is the agreement I made with Quickbooks and what is there cancellation policy? Making these statements imply youve gotten that information and have decided I didnt comply. So lets have that information you are basing that statement on.
In your recent response you stated we need to confirm with XXXX *XXXX that the service fromXX/XX/XXXX through XX/XX/XXXX, is a total of {$190.00}.
That is the correct charge and I provided that information to XXXX XXXX of Sears-Citibank credit card already.
Our records reflect that XXXX XXXX charged the account {$38.00} onXX/XX/XXXX, and {$380.00} on XX/XX/XXXX as reflected on the XXXX and XX/XX/XXXX billing statements.
XXXX established that fact already. Its those facts that the dispute is made from.
In order to determine how the XXXX *XXXX charges are broken down monthly and for what the service is for, we request that you contact XXXX XXXX directly for that information, as we do not have access to those details.
Its obvious from XXXX XXXX of Sears-Citibank credit cards statement ; you are just sending back boiler plate responses. As previously provided information to you, I used XXXX for 13 years and 10 months long enough to know what the services are for.
Regarding payments made to the above referenced account, our records reflect that we received a total of {$830.00} in payments betweenXX/XX/XXXX, and XX/XX/XXXX. The payments were applied to the account based on your Card Agreement.
Thank you for the tally, but how about supplying a tally of all the charges made in those payment time periods for which those payments were made?
Regarding the credit Issued for the Home Depot billing dispute, please allow this letter to serve as confirmation that the credit issued oXX/XX/XXXX, which reflects on the XX/XX/XXXX billing statement, in the amount of. {$170.00}, is permanent.
As previously stated, the Home Depot dispute had nothing to do with the XXXX dispute, except for, Sears-Citibank credit cards co-mingling the disputes, mixing up their paperwork with XXXX, causing all this dispute to snowball, and then linger on now for over 7 months.
Additionally, We have enclosed copies of theXX/XX/XXXXXXXX through XX/XX/XXXX billing statements for your review.
Thanks for all those 48 unnecessary pages you added to this dispute. If you applied yourself to this dispute like you did trying to deflect solving it, youd have already resolved it properly.
We thank you for the opportunity to address your continued concerns, -- Sincerely, Please actually address my continued concerns as originally requested in dispute # XXXX filed previously with CFPB.
|
| 05/23/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
I 'm a XXXX XXXX XXXX XXXX independent adult child living in XXXX and my Dad and the rest of my family is in Mississippi, but we still talk on the phone all the time and every day. I 'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but I 'm very smart and I even though I do n't notice things right away - I am able to put the puzzle together eventually. I went to the nearby Costco in the XXXX XXXX area of XXXX and registered as the Executive Signature Account member and I added my Dad as a secondary member with purchasing privileges, because they do n't have a Costco in Mississippi yet. Costco 's rules and advertisements clearly state that the primary Executive account holder will be responsible for all payments and all of the charges made by the other members signed up under their names. Well, The lady who registered me at the desk - it was super crowded - kept asking me to put information in a pin pad and then she said something about one way to pay at Costco and I should put in you know basic information like phone number and social security for myself and my Dad. She said that she did n't have a decision for whether I was approved or not - I thought she meant the membership, but apparently she was signing me up for some Visa Card through CitiBank sponsored by Costco - and she said when I come back next time she 'll help me again if it did n't work this time. So next time she got the card for me and took my picture for my new credit card and told me that it was my credit card and my Dad would also get a copy, since the mail was going to my home in Mississippi. Eventually some lady at CitiBank called my Dad and my Dad called me and he was angry and he had to explain to me what happened, so I went to Costco and asked another lady to fix it and she assured me she would. Then CitiBank closed the card right before I was about to take the vacation that I had purchased everything on the card for, so the vacation did n't happen. And the card is n't under my Social Security number, it is under my Dad 's and he is so XXXX. It should be under mine, because Costco said I am the responsible one. I want to work on my credit score, my Dad already has like a XXXX!! I registered my bank account and made no secret of who I was and that I assumed it was my card. I experienced some confusion as to why they would make me always put in information for both cards, but apparently I was just the additional card holder. My Dad was n't even there. Ctibank still has n't sent my Dad a denial of account papers and when I went to a branch in XXXX on XXXX XXXX the other day the man at the counter named XXXX refused to provide me the paperwork too. Please protect me from CitiBank suing me - I live on XXXX and that vacation that they ruined was going to be the only vacation I had ever taken like that. So since they would n't transfer it to my social security number or work with my Dad and me in anyway, and kept saying that Costco does n't matter because they are the bank - but Costco signed me up! Instead of signing me up they signed up my Dad. That is fraud and identity theft, but I believe in this case CitiBank knows they committed fraud and thinks they will pass it off onto me since I 'm just some XXXX XXXX kid, but I 'm smart and I know that what they did was not legal and that Citibank and Costco have conflicting clauses. CitiBank is now using abusive collection practices and I think they are about to file a lawsuit, and I would like you all to stop that, because I ca n't handle another headache and my Dad 's mom is XXXX from XXXX. If they want to try to push the issue instead of issuing my Dad and Myself ( and I want any negative comments regarding this incident struck from the company records, since they engaged in illegal banking activities and cramming and garnishing my XXXX money for paying the credit card bill. ) I disputed the payment with XXXX XXXX XXXX, but since XXXX XXXX XXXX has no ADA accessible branches, like CitiBank, I 'm not easily able to do banking and it sucks. CitiBank is a bully bank and I 've returned all their phone calls and I can prove everything I 've said here and more, so I dare them to challenge me on anything. If they say they are recording me, does that mean they assume I am recording them too then? I am not saying I recorded anything - but it is a question I 'm asking. The way I 've been spoken too by CitiBank on the phone is just short of a Hate Crime status in terms of berating a XXXX adult and calling me a criminal when I do n't let big corporations scare me like that, because I walk with XXXX in Truth and when you are in Truth then no evil can touch you ... so I 'm confident CitiBank will fall and I am sensing this is not an isolated case of mixing up social security numbers and selecting a number with a higher score. This is definitely civil rights violations and they told me I 'd never have a credit card again and I 'm going to jail and I had n't even the chance to say anything. I did nothing wrong and never hid a thing or acted like a criminal, as any judge would see - please issue something like an order against them demanding they return all money they took from me and erase any history of these cards from my Dad 's social security number. He was in Mississippi at the Time!!! The Credit Card has my picture on it and is also my Costco ID. I mean, please - CitiBank is so ridiculous and abusive that I do n't know what to do. I would definitely like to counter sue if they proceed with any actions. And they should definitely somehow make right what they ruined when I missed the chance to go on the rare opportunity to go on a trip with a friend before I die. Please help me y'all. Please do n't let them hurt my family now, we are hurting already. They are a bad bank. And shame on XXXX XXXX XXXX for not helping me! Costco just acts like they have nothing to do with the situation! I want somebody to contact me and I can explain better because I 'm typing fast in order to get all my thoughts downXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is barely enough to live on with all my medications! Help me fast please.
|
| 08/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
I contacted Citibank on XX/XX/2020 because three unauthorized withdrawals in the amount of {$990.00}, {$990.00} and {$500.00} occurred in my Citibank checking account. I reported to Citibank Fraud Dept. I was victimized by scammers ' calls.
I reported how scammers called me and claimed they were XXXX employees on XX/XX/2020. The one named XXXX XXXX offered to help me add security features to protect my XXXX account. He walked me through installing a program called XXXX on my laptop and an App called XXXX on my cell phone. With these software, he and his partner, XXXX XXXX, were able to access my computer and make three withdrawals from my Citibank checking account while I was on the phone with XXXX XXXX. XXXX XXXX said he was tracing the scammers through my computer to stop them from getting into my XXXX account, therefore I had to leave my computer and cell phone on for 24 hours for him to finish his investigation. I was alerted when I received a call from my other bank, XXXX, about an unauthorized attempt to withdraw money from my checking account, so I hung up on XXXX and called XXXX to verify the employee ID XXXX XXXX shared with me. I was told it was a fake ID and neither of the two scammers, XXXX XXXX or XXXX XXXX, works for XXXX. That's when I realized my bank account was compromised. I uninstalled the program from my laptop and deleted the app from my cell phone immediately. Both scammers have called me many times after I disconnected the links they had to access my laptop and cell phone. Few calls I received with " CITI '' caller ID were actually generated by them.
I called/visited Citibank on the following dates : On XX/XX/XXXX at XXXX XXXX, XXXX at Fraud Dept. told me I must file a dispute for those three withdrawals through XXXX, then Citibank will investigate it and contact me. I asked XXXX if there is any chance I could have the money I lost credited back to my account, he said Citibank will put the total amount of {$2400.00} on hold until the investigation is completed, I was given a dispute ID.
On XX/XX/XXXX at XXXX XXXX. I called Citibank and spoke with XXXX regarding what I can do to facilitate the investigation process, she informed me to provide proofs of fraudulent activities by taking all the documents to any local Citibank branch and ask the account specialist to fax the documents to Fraud Dept. for me. I agreed to do it.
On XX/XX/XXXX at XXXX XXXX. I called again and spoke with XXXX and XXXX at Citibank, they told me I will receive a letter in 5 to 7 business day regarding the investigation. I asked again if I could have {$2400.00} credited back to my account, I was informed I will get a provisional credit of {$2400.00} in ten business days.
On XX/XX/XXXX at XXXX XXXX. I called to ask for their advice regarding how to protect my account, XXXX at Citibank suggested that I visit the local branch to close my account and open a new one after the branch is open on the next business day.
On XX/XX/XXXX I called again, XXXX at Citibank told me to go straight to any branch to close my account and open a new one. I called two branches, one in XXXX, CA, they said I must have an appointment to make a change to my account and they were booked for the day, so I called another branch in XXXX XXXX XXXX, they were open and accepted my request, So I went there to close my account. Unfortunately I could not open a new account because it was close to their closing time at XXXX XXXX. I was instructed to call Citibank customer service to make an appointment.
On XX/XX/XXXX I visited the XXXX branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The bank teller told me I had to make an appointment to open a new account. After I left the branch I placed a call to Citibank customer service trying to schedule an appointment with Citibank to open a new account, but Citibank never returned my call until this day.
I waited until ten business days have passed to call Citibank regarding the provisional credit they promised to credit to my account. I called on XX/XX/2020 at XXXX XXXX, XXXX at Client Relations told me my dispute was denied without any explanation. I asked why Citibank has not credited my account with a provisional credit as they promised and why Fraud Dept. denied my dispute and closed my case, she couldn't offer me any explanation. Instead she suggested I file another dispute and start the investigation again. I asked to speak to her supervisor, so I was transferred to a supervisor named XXXX with an ID # XXXX. XXXX told me Fraud Dept. determined those withdrawals were pre-authorized and that's why my case was closed. She also said they opened another dispute on my behalf which will lead to exactly the same process which I went through before. I told her I am not willing to open another dispute and waste my time again. I also told her on XX/XX/2020 I received a letter from Citibank dated XX/XX/2020 about the investigation, but there was no communication regarding investigation result and their decision to close my case. I have not yet had a chance to provide my documents ( such as the police report, my complaints filed with FTC and FBI ) to Fraud Department because Citibank has never returned my call to schedule an appointment for me to meet with the account specialist at the local branch. XXXX said I must keep trying to schedule an appointment and meanwhile I will get a provisional credit in 10 business along with a result of investigation up to 45 business days.
I am afraid my dispute will go to a dead end just like what happened before especially when Citibank is unwilling to schedule an appointment with me, even though they suggested I mail or fax my documents to them, I prefer not to take any risk that my person data might be compromised again, therefore I am filing this complaint and seek for assistance from CFPB. I am providing evidence of the incoming calls on my home and cell phone as well as a voice mail left by the scammer. Few of the calls with " CITI '' associated with the calls, that's why I trusted them and was victimized. I also have the history log when the scammer 's program was installed and my Citibank was accessed by scammers via the program. Please let me know if there is anything you need in order to facilitate my complaint. Thank you.
|
| 07/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I filed a billing dispute with Citibank regarding a charge on my credit card in the amount of {$20000.00} on XX/XX/XXXX by XXXX XXXX XXXX. Ms. XXXX was hired by me for interior design services for my home in XXXX XXXX, MD. The {$20000.00} was a retainer to procure these services. In the contract between myself and XXXX, all items and services must be pre-approved by me. Ms. XXXX purchased items and furnished my home that were not approved by me. In addition, a balance of {$9000.00} was leftover in the retainer, confirmed by Ms. XXXX via email. I have made Ms. XXXX aware on several occasions that I will not pay for the items not approved by me and would like the remaining balance of my retainer remitted to me immediately. Ms. XXXX admits that she does not have my retainer money.
In addition, I have spoken to Ms. XXXX XXXX attorney regarding the matter without success. On XX/XX/XXXX, I received an e-mail from Citibank requesting additional information regarding the dispute. On the same day XX/XX/XXXX, I remitted the following to Citibank via e-mail : emails between Ms. XXXX and I ; emails between Ms. XXXX 's attorney and I ; a copy of our contract ; a copy of my veteran designation from the Maryland Department of Veteran Affairs ; and a statement of service from the United States XXXX XXXX XXXX.
On XX/XX/XXXX, I sent Citibank via e-mail a copy of all of the invoices from the interior designer, which were several pages. On XX/XX/XXXX, I received an email from Citibank stating, " We have received your recent response ; however, we require some additional information in order to continue to dispute this charge. We need a confirmation whether you received any goods from this merchant. If yes, we need the date you received the goods and the date you attempt to return the goods or the date you made the goods available for the merchant to pick up. '' On XX/XX/XXXX, I replied to Citibank via email stating, " Yes, I received goods from the merchant. I have received various goods throughout late XXXX XX/XX/XXXX. XXXX XXXX would drop off various items on several different dates. Most of the time I was not home as I had multiple hospital visits for a medical condition. I attempted to return goods several times in XXXX and XX/XX/XXXX. On XX/XX/XXXX, Ms. XXXX stated 'I am definitely refunding you your money for the products returned or not purchased, immediately as the funds become available to me. In 25 days you will have been refunded in full. ' In addition, I spoke with Ms. XXXX lawyer around approximately XX/XX/XXXX and told him that I do not want the goods since they were not approved by me. However, Ms. XXXX lawyer did not seem responsive regarding my request. In addition, Ms. XXXX lawyer insisted that I sign a nofault settlement agreement in order to obtain the retainer balance of approximately {$9000.00}. '' On XX/XX/XXXX, I received an e-mail from Citibank stating " We have received your recent response ; however, we require some additional information in order to continue to dispute this charge. We need the exact dates you received the goods from this merchant along with detail description of the goods and the date you attempt to return the goods or the date you made the goods available for the merchant to pick up. '' On XX/XX/XXXX, I replied to Citibank via email stating, " Ill need time to review these documents. Im a XXXX XXXX working under the XXXX XXXX and XXXX XXXX of XXXX responsible for XXXX XXXX XXXX across the country during this COVID pandemic. Did the merchant respond yet? Do you fully understand the dispute because Im not sure if you do understand it. What is your position on the {$9000.00} retainer balance that the merchant has kept. What is your position on all of the invoices sent to you? I dont want to run in circles wasting time because Im extremely busy working for the country. '' On XX/XX/XXXX, I accessed my Citibank app and discovered that the dispute was resolved in the merchant 's favor on XX/XX/XXXX. Furthermore, the dispute details section of the app stated " We made a strong case on your behalf - but unfortunately, this dispute was resolved in the merchant 's favor. We've outlined the details of our resolution online in your Notices and Letters. '' However, I checked the " Notices and Letters '' section immediately after and found no such letter detailing the resolution.
First, I believe that Citibank has violated the Fair Credit Billing Act by not resolving the dispute within two billing cycles. The dispute was filed on XX/XX/XXXX and after providing Citibank with massive supporting documentation on XX/XX/XXXX and XX/XX/XXXX, they do not respond again until XX/XX/XXXX and XX/XX/XXXX requesting additional information.
Second, Citibank never responded to my XX/XX/XXXX email in which I stated that I was a " XXXX XXXX working under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX responsible for XXXX XXXX XXXX across the country during this COVID pandemic. '' Third, I provided Citibank with a copy of my statement of service on XX/XX/XXXX, which verifies that I am a XXXX XXXX of the United States XXXX XXXX XXXX. I am currently detailed the XXXX of XXXX XXXX of XXXX ( XXXX ). My duties include assisting with the deployment of emergency medical personnel to various areas of the country during the current COVID-19 national emergency.
Fourth, I also had medical problems from XX/XX/XXXX-XX/XX/XXXX requiring physician 's care.
Fifth, I have recently been XXXX twice during the month of XX/XX/XXXX alone and have had to undergo several medical tests and attend multiple medical appointments.
Sixth, I believe that Citibank has knowingly violated the Servicemembers Civil Relief Act ( SCRA ). SCRA covers XXXX XXXX members of the Public Health Service. In addition, " Servicemembers absent from duty for a lawful cause or because of sickness, wounds or leave are covered by the SCRA. '' Furthermore, the Supreme Court has held that the SCRA " must be read with an eye friendly to those who dropped their affairs to answer their countrys call. '' Restated, the SCRA should generally be read in favor of the servicemembers it is intended to protect.
Seventh, I believe that Citibank has violated the COVID-19 National Emergency Presidential Declaration dated XX/XX/XXXX.
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| 02/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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XX/XX/XXXX I received a mail from Citibank that they have closed one of my credit account of 7 years due to inactivity with no recourse. As a good standing customer of 7 years, I never failed or defaulted any of my past credit payments. Its only during this covid crisis, I started using the card less, Citi decides to drop this bomb on me right in the middle of the pandemic, right before the holidays.
Im extremely disappointed with Citi lack of empathy and how they treat me as their long standing customer, but what frustrates me even more was wasting hours of my time trying to communicate with Citis team of poorly trained outsourced representatives from the XXXX that struggled to understand my issue and still failed to help me reach my resolution, which was to re-instate my closed credit account.
The following are the series of events that has happened before I decided to write to CFPB to hopefully reach a US-based representative to help me resolve my issue.
XX/XX/XXXX ( Livechat XXXX ) - Repeated to me that my card was closed due to inactivity, and theres nothing he can do on his end to help me reopen or retain my history on the account - He advised me to call the number on the back of my card, which I did XX/XX/XXXX ( I called XXXX XXXX XXXX XXXX ) - My call was diverted to a XXXX call center, after explaining my issue and my request - The rep had a tough time understanding my problem and assisting me - She claimed that in order to keep my account credit history, Citi will need to do a hard credit pull in order to put my account on review for reinstatement.
- I explained to her that I currently have my credit accounts frozen to prevent identity thief, will that affect the outcome of my review with Citi, she assures me that it will not be an issue. So I went ahead and gave her all my personal details to proceed with the credit pull.
XX/XX/XXXX ( Livechat XXXX ) - XXXX weeks after the Holidays, I decided it's a fair time to follow up - I reached out to Citi Live Chat Team again to inquire about the status of my account that was put in review.
- Once again, the Live Chat Rep had no resolve and advised me to wait as my status is still pending, or directed me to call again to find out more information.
- I decided to continue waiting for the an update.
XX/XX/XXXX ( XXXX XXXX ) - I reached out to the @ XXXX XXXX team, hoping to find any competent US based rep that understands what I need, but only to redirected to the call team again, which is, surprise, brings me back to the team based in the XXXX - A voicemail was left behind by a snooty named XXXX from the Thank You Rewards team.
XX/XX/XXXX - I called and got through to XXXX, and she was extremely rude and unhelpful.
- Firstly, she was very firm that I no longer transfer out all my hard-earned Thank You points to my husbands Citi account, because my account was already closed, she claims there is nothing she can do on her end to get me my points other than redeeming for a gift card. But since my account was closed, Citi made it impossible for my to log into my Thank You account to do any form of redemption.
- Secondly, she claims that Citi had already sent me a letter informing me on my account review status. There is nothing I can until I wait for that letter.
XX/XX/XXXX I received a mail from Citi that apparently got lost or the team had forgotten to mail it out to me, but the letter was dated on XX/XX/XXXX when I received it a month later on XXXX XXXX! In the letter, it explained that because my XXXX account was frozen, Citi was unable to pull a credit report.
Infuriated by the whole tail spin, I called XXXX to lift my credit freeze and once again tried contacting Citi for the SIXTH time to make the same request, to reinstate my account. At this point I dont even want the stupid Thank You Points anymore, I just need someone competent to get me the help I needed!
- I called the checking department to take care of another issue on my checking account.
- Had the rep transfer me to the proper Thank You Team.
- Another girl from the XXXX answered my call, and once again struggled to understand what I needed and seemed to have a lot of difficulty on her end to put my account for a reinstatement review.
- Firstly, she actually mis-read my social at least 3 times! I dont understand how someone can do this job when they can not even enter a few numbers.
- Secondly, she keeps claiming the system wouldnt let her do a credit report pull despite me providing her all my personal information - Then she transferred me to the FRAUD department! And had the audacity to question me TWICE if I was a US citizen! Yes! you hear me right, claiming I was a fraudster doing something illegal.
- After confirming my identity with the fraud team that Im legit, I was transferred right back to her. At this point, shes beyond puzzled and totally helpless, you can clearly hear she doesnt know what to do.
- She then proceeded to make me hold on the line for the next hour or so, hoping that would force me to hang up, which I didnt.
- Then finally told me, theres nothing she can do on her end, and to call back again to resolve my case.
- At this point, I am BEYOND XXXX, after making me holding on the line for hours only to tell me to call back. I demanded to speak to a supervisor.
- After speaking to the supervisor, he explained to me that the system is facing some issues, but he already put a note in the system, and that will be picked up the credit review team, so I should be receiving a mail with 5 business days on the outcome.
Trusting the supervisor that had did the right thing was my final mistake.
Its been 10 business days since I last contacted Citi. No mail. No Call. No follow up. I refused to go through the ordeal dealing with the team of terrible untrained nightmare. Its just like Citis way of giving me the middle finger and tell me to get lost. To a customer of 7 years and still holding an active checking account with them for 10 years.
I hope this complaint gets into the right hands in Citis management, and this is no way to treat your customers, especially during this economy! If anything, Citi should be fined for all these horrible practices of lying and cheating their customers!
|
| 02/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I am writing regarding the following disputes with Citibank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these disputes were through XXXX. I withdrew all of XXXX disputes for the year when accusations were made by XXXX in the executive office that I made mispresented at least two of their disputes in recent months. All of these disputes were given to me as permanent credits with no additional documentation required. Despite issuing me permanent credits, Citibank was also paying XXXX for numerous disputes and then just writing the amounts off according to XXXX.
I decided to take the problems directly up with XXXX due to all the problems I have had with them in recent years. I have asked billing disputes for all dispute information including the merchants response. To date, they have only responded on 3 of the disputes : XXXX for {$26.00} for XX/XX/XXXX ( was told on XX/XX/XXXX around XXXX XXXX by XXXX in billing disputes that Citibank did not pay XXXX for the dispute which is why the system would not withdraw it ) ; and XXXX for {$5.00} date XX/XX/XXXX ( I withdrew the dispute, Citibank sent a letter stating they did not pay the merchant and the account would not be rebilled, yet a rebilling appeared on my transaction history shortly after. The CFCB has another open case on this one, reference XXXX with uploaded documents ) ; and XXXX for {$8.00} dated XX/XX/XXXX ( there is also another CFPB report open on this one due to how they mishandled it, reference XXXX with uploaded documents, although I will admit I forgot to withdraw it once I received reimbursement for the lost items in the package with the postal service. The dispute clearly states I had filed a claim. Citibank should have asked me for further documentation which would have triggered me to eventually withdraw it once I realized I was also being compensated beyond the lost items in the package ).
I am still waiting on documentation for dispute XXXX. The amount was for {$7.00} dated XX/XX/XXXX due to a lost priority mail package. I believe this one was probably handled similar to dispute XXXX. A tracking number would have clearly been listed in the dispute, Citibank could have easily pulled up USPS tracking history to verify it was lost, which means it did indeed qualify under goods/services not as provided. XXXX lists on their receipts that they are a post office. All of these disputes were issued permanent credit with no documentation required.
I am still waiting on documentation for dispute XXXX. The disputed amount is for {$35.00} and dates to XX/XX/XXXX. XXXX has recently reimbursed me for mispricing through their meat department and well as failing to process returns properly. They issued me {$150.00} in cash today and I have a receipt to prove they issued the funds as well as an explanation by the store director ( although the year is dated wrong, XX/XX/XXXX instead of XX/XX/XXXX, and it only addresses the meat mispricing. I have e-mail correspondence from the district manager that agrees to reimburse {$150.00} for all the problems, which is above and beyond the disputed amounts ). Citibank issued me a permanent credit with no additional documentation as well as paying the XXXX. They reversed the charge at my request only.
I am still waiting on documentation for dispute XXXX. The disputed amount is for {$4.00} and is dated XX/XX/XXXX. As stated before, XXXX has recently reimbursed me for mispricing through their meat department and well as failing to process returns properly. They issued me {$150.00} in cash today and I have a receipt to prove they issued the funds as well as an explanation by the store director ( although the year is dated wrong, XX/XX/XXXX instead of XX/XX/XXXX, and it only addresses the meat mispricing. I have e-mail correspondence from the district manager that agrees to reimburse {$150.00} for all the problems, which is above and beyond the disputed amounts ). Citibank issued me a permanent credit with no additional documentation as well as paying the XXXX. They reversed the charge at my request only.
I am still waiting on documentation for dispute XXXX. The disputed amount it for {$3.00} dated XX/XX/XXXX. As stated before, XXXX has recently reimbursed me for mispricing through their meat department and well as failing to process returns properly. They issued me {$150.00} in cash today and I have a receipt to prove they issued the funds as well as an explanation by the store director ( although the year is dated wrong, XX/XX/XXXX instead of XX/XX/XXXX, and it only addresses the meat mispricing. I have e-mail correspondence from the district manager that agrees to reimburse {$150.00} for all the problems, which is above and beyond the disputed amounts ). Citibank issued me a permanent credit with no additional documentation as well as paying the XXXX. They reversed the charge at my request only.
I am still waiting on documentation for dispute XXXX. The disputed amount is for {$20.00} and is dated for XX/XX/XXXX. This should also be for meat mispricing. As stated before, XXXX has recently reimbursed me for mispricing through their meat department and well as failing to process returns properly. They issued me {$150.00} in cash today and I have a receipt to prove they issued the funds as well as an explanation by the store director ( although the year is dated wrong, XX/XX/XXXX instead of XX/XX/XXXX, and it only addresses the meat mispricing. I have e-mail correspondence from the district manager that agrees to reimburse {$150.00} for all the problems, which is above and beyond the disputed amounts ). Citibank issued me a permanent credit with no additional documentation as well as paying the XXXX. They reversed the charge at my request only.
I am sending you supporting documentation of the refund of {$150.00}. I am sending you supporting information of the complaints in writing and the district managers agreement to issue me a {$150.00} payment for the problems at the store level. These documents will have his name and contact information for verification purposes. I have submitted all false advertising and refund allegations, including pictures of the continued problem, to the attorney generals of Iowa and the attorneys general of Kansas.
|
| 08/08/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Account closure due to company negligence, my account was closed XX/XX/XXXX due to a return payment in error. The payment returned as not authorized, I spoke with customer service and my bank : XXXX XXXX prior to the closure to confirm that it indeed was an error and they 've never received a payment request or transaction from the merchant other than debit card payments I 've made in the past. Upon speaking with XXXX XXXX customer service about the service error ; I was in formed the code designated fraud and that my identity is n't associated with the account. which of course is untrue. So I put in a request to have this researched and reviewed. There after my account was transferred to fraud rather than payment investigations department. I was attempting to make a purchase two days before my account closed which was on a Saturday, and the fraud department sent me a msg to confirm if I was person making the transaction and I confirmed, then I proceeded to make my purchase. That Monday the fraud analytics department closed my account under a revoked status. My account should 've never been in that department, no one ever investigated the payment issue as to why I received a not authorized error code. I called the fraud analytics department for over 6 months attempting to explain to the them that I was the person who made these payment and purchases and this was suppose to be investigated and resolved by the correct department. They denied to assisted me, they told my account would n't be reopened.I 've also spoken with management in that dept who declined to review my account dueto its revoked status. One day I called in and spoke with manager in a different dept and explained the situation to him and he confirmed with me that the reason the account closed not just my XXXX 'saccount " they closed my XXXX and Bloomingdales account '' because XXXX does n't accept XXXX XXXX XXXX, He also informed me that upon presenting my payment method to the customer service representative who was processing the payment, they should 've informed me that the company does n't accept that particular bank. There after he escalated me to someone he felt could help me, then that person escalated me to there manager and her name Is XXXX XXXX. XXXX XXXX and i went over the details of my account. This is in XX/XX/XXXX, we call my bank to confirm this information and this confirms it was an error on the behalf of XXXX. At this point she is still unwilling to reopen my accounts. So she has an idea to contact someone within the executive office whom confirms with her this was an error and this has also happened to other clients. With this information she now agrees to reopen all three of my accounts. So begins by removing the accrued delinquencies from my credit report and interest. I was disputing some of the balances because I previously calculated the balances with collections prior to this resolve, so I was well aware of what the balances should of been. At that time she told me that I needed to make a payment before she reopens the accounts. Remind you I made payments the month before on all three account. However since I was still disputing the balances we held off on that. She however made clear to me on XX/XX/XXXX that if I did n't make a payment on the agreed upon balances that she would n't further re-age my accounts. Within the same conversation, I agreed upon the Bloomingdales and the XXXX balances. But for some reason there stating that I agreed upon all three ; which is untrue. Because subsequent to that phone call I immediately contacted the executive office to open a compliant about further disputing the XXXX balance. Also an incentive I was suppose to receive in a form of a gift card that was never honored and the XXXX dollar deposit that was placed on a furniture order that was never refunded to my card. They sold the furniture that I custom ordered and never refunded the deposit. The executive office never contacted my back in regards to my compliant, ever. Subsequently I was In a car accident on XX/XX/XXXX which I was hospitalized for 34 days and there after in physical therapy. So I was unable to have any contact with the company. When I was in better health I contacted the company to resume the matter. I contacted the executive office and spoke to a liaison by the name of XXXX flint whom was n't very helpful and was very confused on the matter. She informed me I was never told my account were going to be reopened, which is untrue and the notes within my account state the truth. Then she wanted to re investigate my accounts after I spent close to a year doing so. She continuously had incorrect information and she and I were in contact for 4 months. Then I asked her to to put me in touch with her manager she was no help as well and she did n't want to escalate my concern for additional help.I offered to send her documentation confirming my accident and hospital stay to validate why I was n't in contact with the company and why I did n't make a payment. She declined to accept it and considers It a personal matter. She stating that she 's unwilling to reopen my account as the company stated they would because I did n't make a payment, then she unwilling to accept the reason why and any affirming documentation. My accounts were sent out to a collection agency, I contacted the company and explained my case and thereafter had the accounts placed under dispute and all of a sudden I received a letter stating i'am being sued for two accounts. My XXXX account current balance : XXXX and the correct balance is : XXXX XXXX store account current balance : XXXX the correct balance is : XXXX. I'am the authorized account owner for a checking account and paired debit that I have with XXXX XXXX. The bank requires authorization of a payment if it exceeds the amount of XXXX. I also contacted Citibank who is the financial backing for XXXX and they also informed me that they do not accept XXXX XXXX and consumers are to made aware of that by customer service. If my account was investigated when I made the compliant my account would 've never been closed and this very situation could 've been avoided. The company has not taken any responsibility for the actions.
|
| 03/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
In early XX/XX/2020, I contacted a company by the name of XXXX XXXX XXXX XXXX XXXX XXXX owned and operated by XXXX XXXX XXXX, XXXX XXXX to assist me with relocating from Florida to California. At that time, I was provided with an Estimate and request to put a credit card on file to secure/hold the truck, movers, and supplies for my move later in the month. The representative indicated they would place a {$500.00} temporary hold on my card. Days later, I received a call from CitiBank to inform me that my account had been charged three times in the amount of {$500.00}. I quickly contacted XXXX XXXX XXXX & XXXX to discuss the charges. XXXX, at XXXX XXXX XXXX, apologized for the duplicative transactions and assured me it was a glitch that would be reversed. He said he would reverse one of them, but the others would be reversed within a day or so since they were XXXX mismatch and were processed in error. To date, neither of those charges have been credited back to my account by XXXX XXXX.
On the day of my move, the movers came to my home and started to load the truck. I was not provided with a receipt, inventory form, or any other documentation for the move. Over a week passed and XXXX XXXX was not returning my calls, nor were they cooperating with the status of when my belongings would arrive in California. One representative stated, We are unsure when you will obtain your items as we do not have any drivers that want to drive to California since there are so many wildfires. At that time, I became very suspicious of the company and started to look them up. After finding disturbing reviews, I quickly booked a plane ticket to Florida and notified the local police station of what was going on. Under their suggestion, I attempted to contact the company once again to let them know I would be picking up and transporting my belongings myself since they could not find drivers to travel to California. The owner was initially reluctant to give me access to my belongings or tell me where they were being held. I was finally able to get the address for the warehouse where my items were being stored ; however, the condition to pick up my belongings was that I bring with me {$570.00} in cash, as well as provide them with my ID and CitiBank credit card. I contacted the police department again and they met me at the warehouse to ensure my safety and retrieval of my belongings. I also wanted to have law enforcement as a witness during the cash transaction. The police arrived during the scheduled time at the warehouse and provided the following XXXX XXXX. XXXX. I gave them the cash in front of the police officers ; however, they did not want to release my property without taking a picture of my ID and credit card. The police officers onsite instructed me that I did not have to give them a copy of my credit card since I was paying cash and it was not necessary for them to have that information since {$570.00} cash was for the storage fee for holding my belongings in their warehouse. I requested an invoice/statement from XXXX XXXX XXXX which I have in my possession. Days later, when I arrived in California, I noticed another charge from XXXX XXXX XXXX in the amount of {$2300.00}. Immediately, I called CitiBank to file a dispute and report the issue.
The charges by XXXX XXXX XXXX, XXXX are unauthorized and I disputed each of them and requested that {$2300.00}, {$500.00}, and {$500.00} for a total amount of {$3300.00} be returned to my account immediately. The police officers further suggested that I provide the XXXX, XXXX, XXXX, and XXXX reviews to my credit card company, along with the Case No. they issued. The following are complaints and reviews from other consumers regarding the same conduct displayed on my account ( I also have threatening and vulgar/derogatory text messages from managers at the company ) : Better Business Bureau : XXXX : XXXX XXXX : XXXX : XXXX XXXX : A XXXX search for XXXX XXXX XXXX & XXXX will also yield disturbing complaints/reviews XXXX : XXXX XXXX XXXX ( this review was posted recently ) The initial dispute was opened with CitiBank in XXXX of 2020. Due to delays with the USPS and no communication from CitiBank, I assumed the issue was resolved.
In XX/XX/2020, I received a call from CitiBank 's collections department. To my surprise, I explained the situation and was told that because I didn't respond to the initial dispute, the case was closed and there was nothing they could do to help. The representative attempted to help and reopened a fraud case to have it submitted directly to an investigator. She opened 3 disputes, since there were 3 different charges and asked that I email all pertinent information to them. I forwarded a detailed email and followed up with CitiBank periodically. Again, CitiBank closed the account without any explanation or resolution. Since XXXX, I have been contacted by CitiBank numerous times and have been kept on hold by various departments ( many seem to be overseas, difficult to understand, and with poor customer service skills - with no sensitivity to the issue and seemingly very little desire to help ). I am kept on hold and/or transferred for hours where I have to reexplain the entire story, only to get transferred and start the process all over. A few times, the account has been closed and the dispute process has been reopened - however, without resolution.
Recently, I decided to go to a local CitiBank bank branch in an attempt to resolve this matter in person. The bank representative explained that they are a different department than card member services and they couldn't do anything for me. We involved the bank manager who instructed the bank representative to call card services with me. She was on hold and transferred to various departments for approximately 1 hour and 45 minutes without resolution. I did some more digging to try to get to the bottom of this situation because my account has now incurred late fees and other penalties, including being reported to the credit bureaus, and I was able to find this website. I have outstanding credit however because of this situation I am now in a negative standing with several credit agencies.
I would appreciate your help with this matter.
|
| 12/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
On XX/XX/XXXX I received a call from the Citi Fraud number, XXXX. I was told later it must have been spoofed.
Before answering I quickly XXXX the number and the results showed that this was the Citibank Fraud number, so I took the call. Later, I even tried calling the number on a separate line while the original ( scam ) caller was on hold, but it went to a call center and I was put on hold. But it had the recognizable phone tree of Citbank and I could not get a person easily, I then assumed the call I was receiving was in fact legitimate. I recall having received such calls in the past from Citi questioning a charge.
The caller said a suspicious charge was on my account and could I please confirm if I had made this purchase. I logged on to my account and in fact there was a charge in the amount stated. In logging in I had some difficulty and the caller said they would send a verification code to my cell which they did, The verification code arrived from the Citi texting service, I have previous legitimate texts from Citi on the same string. This seemed utterly legitimate at this point. They provided me with a temporary log-in which I used. Obvious to me now, the scammers had full account access at this point.
The caller then told there was another XXXX transfer form my account which I could allow to complete and then dispute or if we executed transfers from XXXX to myself, I would be able to prevent the fraudulent charge. I then followed the direction of the individual. 3 transfers totaling about XXXX were made before I realized hat the numbers I was entering were not Citi codes or Citi security measures.
I saw then almost immediately that I had been scammed and called the Citi fraud number, XXXX searches and Citi website searches directed me to call the same number, XXXX.
After navigating the phone tree which does not mention fraud or security concerns, I was directed to a call center overseas. I was beside myself and while the individuals were sympathetic and helpful as they could be, they were unable to escalate this to any US security for over an hour.
They asked nearly all the same questions as the scammers did, and requested my Social Security to verify. I refused.
They eventually verified that the account had been drained and that 2 more checking accounts were opened under my name. They asked if I would like to lock the accounts which I did, They also offered to send a new ATM card to my address, which the scammers had offered to do as well. I refused as I had no trust in anyone now. They said in that case I would have to go to a Citi location to set up new access for the funds that remained in my account..
Both XXXX and I had tested XXXX XXXX XXXXXXXX XX/XX/XXXX, the day before the theft and I was not feeling well and began running a fever.
I was finally put on the phone with an individual in Citi Security located in Texas. He said this scam was happening more often and that an investigation was underway for my case. He also mentioned that there seemed to be a loan request and that my case was one of identity theft and not just a XXXX scam.
I was not able to leave the house until Monday XXXX due to XXXX XXXX requirements.
Before going to the bank I logged on to the account again and discovered that the same temporary login given to me by the scammers had not been changed.
On Monday XXXX I met with XXXX XXXX at the XXXX XXXX Citibank branch in XXXX XXXX. She took some time looking into the fraud case on my account.
She told me that there were also 2 additional checking accounts, both empty, under my name. These were created by the scammers and somehow used to funnel the money out of the account. I mentioned the log-in being the one set by the thieves and she then took steps to further secure my account, which had not been done previously and you said it would need to be closed after the investigation. She also let me know that the thieves would have had access to statements and some information about linked accounts. Our XXXXXXXX XXXX account, which funded the deposit for the house, might be at risk, I contacted XXXX and locked the account, She mentioned that this seemed to be not only a XXXX scam but case of identity theft. I have a XXXX account and I contacted XXXX to have my credit locked. In fact a loan was requested on XXXX of the false Citibank accounts and a hard credit report had been pulled under my name through XXXX. I have disputed this with XXXX and it is under review.
I have since received an ATM card for one of these fraudulent accounts and checkbooks for both fraudulent accounts.
I still receive emails regarding these accounts asking me to activate my card and to activate direct deposit.
On XXXXXXXX XXXX XXXX XXXX and on XXXX our daughter XXXX XXXX XXXX XXXX XXXX XXXX.
Thanks to XXXX XXXX I was able to withdraw some of the cash that was still left in my original account so I could pay rent.
She also spoke to Citi fraud investigators, which took some effort to contact on her part. She relayed to me that a provisional credit would be given to me for the stolen money on XX/XX/XXXX. She then asked me to come back and see her at the bank on that date, XX/XX/XXXX, I went to the bank Wednesday, XX/XX/XXXX, but due to appointments and work I arrived just after closing. XXXX XXXX greeted me at the door though, and asked me to send an e-mail to her.
Per XXXX XXXX 's direction, I logged on to my Citi account on XXXX to see if there was a conclusion on the investigation.
Unfortunately the attached letter from Citi states that they will not protect XXXX and me from this theft of about XXXX I received a letter on XXXX stating that my legitimate account was in blocked status. Other than this letter, I have not been contacted by Citibank to request further information as part of their investigation.
This will effectively ruin our foreseeable future. We were in closing on a fixer upper in XXXX, with a deposit of XXXX on that.
I am afraid we will not be able to close now and we will have to forfeit the deposit since we will not meet liquidity requirements.
Forfeiting the deposit will bring this loss to about XXXX. I do not think we would recover from this loss and ever be able to purchase a home.
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| 02/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I had a Citibank " Simplicity '' card with Citibank, dating back to XX/XX/XXXX XXXX ( when I established the account with them ). Everything was fine and well, until XXXX when Citibank was hounding me with multiple ( at least 5-8 times a week ) emails to convert over to their " Citibank Cash Back Rewards '' account/credit card. At one point I attempted to unsubscribe from the emails but couldn't because they were " account '' related... so finally in XX/XX/XXXXXXXX I went to review what the card had to offer and see why it was so much better. I went from the email through to their website and filled out the information to review the card - and basically went through the application process. IMMEDIATELY, after getting through the submission I saw some vast differences between the two credit cards and immediately recognized that the new card was NOT beneficial to me, carried a higher interest rate and had additional fees and charges that were not something I wanted to have. So I immediately, within seconds, opened up my Citibank Account App and contacted Customer Service via chat and I explained that I had just gone through the process but decided that I did not want to complete this transaction/process and requested that they cancel the request. The CS agent said it wasn't a problem, it hadn't gone through and even if it did, it would be pending review and they'd flag it and it wouldn't happen. Fast forward several days, I received email communication congratulating me on making the switch to their Cash Back Rewards Card... so I IMMEDIATELY went into my App, back into Chat and told them - no, like I had said before, I DID NOT want to make this switch and had contacted them days before to resolve this issue. They said, oh sorry about that- it was okay, that I had 45 days to inform them and I had done so. So I am like okay, all taken care of. Fast forward a little further and the card shows up to my address... I DO NOT activate the card and I get back on the App and chat with CS again, telling them hey this is now the 3rd time I've reached out regarding this, read the previous chat history... I DO NOT want to change my account. I've reached out and said, I do not authorize this change and had already contacted them regarding it. Then again, a 4th time... I go into the App and see that Citibank had changed the " skin '' ( look and feel ) in the App to now reflect the colors and name of my account to " Citibank Cash Back Rewards '' ( no longer my Simplicity ) and tell them for the 4th time... I do not want this card, I've cut up the new one because I am NOT going to activate it. I've reached out through their App / Chat and spoken to CS several times at this point. By XXXX, nothing changed ... they kept everything the same. Then, I encounter some financial challenges ( due to changes in my household income ), try to reach out to Citibank to make payment arrangements via chat and they respond to tell me I have to call CS to handle that request. So I call to try to resolve this first issue, because again, I'm not going to make a payment on this new card / plan when it was NOT the interest rate or T 's & C 's from my original account... and to MY detriment am now being charged higher interest rates, getting fees and charges on top that were NOT applicable to my original account. Now as of today, XX/XX/XXXX my account is past due ... and I spent 2, yes TWO hours on the phone with 10, yes, TEN customer service people on TWO calls ... in an attempt to resolve the issue with the conversion on my account that I, in good faith tried to IMMEDIATELY resolve upon reading and understanding the issues with this new card ... By the 10th Customer Service person that I spoke to today, was told there is " nothing they can do to help me '' and " no one else that I can speak to ''. No Supervisor, no one in their Corporate Offices, no one in their Call Center... just that they could file a complain for me. She couldn't give me a case number. All she could do was tell me, my name is XXXX and my number is XXXX XXXX XXXX ( guessing that's her employee number? ) - she honestly couldn't even guarantee that anyone would contact me from " their back office ''. So ... here I am, Citibank 's Customer, after reaching out within their 45 days ... via their own App... and their own Customer Service to try and resolve this and am being charged, late payments, am getting negative marks on my credit AND on top of it all, can not speak to a person to help me. Then. To add insult to injury, Citibank 's automated " collection '' calls me like 25 TIMES A DAY in an attempt to collect the {$410.00} that they say is past due. But again, I can not pay on an account that I have not agreed to, I'm not going to pay them when they are the ones who created the mess to begin with. Had they left my account alone and the " Simplicity '' card and two left the interest and the right account fees/charges. But instead, they're taking FULL advantage of me by moving me into a more harmful card/program and then basically ignoring my MANY attempts to fix it WITH THEM. How is this not predatory and harmful? I can't even set-up a payment arrangement like I have with my other credit cards ( who have all been wonderful by the way, who were so quick to get me into lower interest rates, payment plan so that it DOESN'T affect me/and my credit ) ... instead I get to waste HOURS of my time on the phone with people who can't help me and I'm getting harassed all hours of the day with their phone calls. I'm like didn't I in good faith do my part originally? Didn't they not hold up their end of this? Like, why offer a chat and CS when you are going to just lie or not take care of your customers? How come I have to spend 2 hours of my day, speaking to 10 different agents who are employees of your company, to only be told " sorry nothing we can do '' .... Like this is INSANE!!!!!! It's almost criminal this whole thing ... from the harassing emails to switch your account to what THEY want and then make it so difficult to contact them or find resolution. Absolutely horrendous business practices and because they're a bank, they just get away with it all while it's just harming me more. SICK. Please HELP!!!!
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| 11/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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This message is to express my severe concern regarding an experience I had with Citibank when applying for a home loan. My Spouse and I have been Citibank members for over ten years. We have two Citigold accounts and several other banking products with the institution. Based on the recommendation of our Citigold Relationship Manager, XXXX XXXX, we contacted Citibanks mortgage department and were successfully prequalified for a home loan. We concurrently completed pre-qualifications with two other lenders.
On XX/XX/2022, we completed an official loan application through Citibanks website. The Purchase & Sale contract was provided to the loan officer, XXXX XXXX, identifying a closing date of XX/XX/2022. Over the next few days, we received confirmation of our 60-day rate lock at 4.875 %. On XX/XX/2022, we submitted our escrow deposit in the amount of {$20000.00}. On XX/XX/2022 the Senior Mortgage Specialist, XXXX XXXX, confirmed the loan application had been moved to underwriting and would be assigned to a processor within the next few days.
On XX/XX/2022, the loan officer contacted us stating the underwriter had concerns about the terms of my Spouses employment. For context, he works in the XXXX XXXX and is on a long-term contract with a XXXX XXXX XXXX in XXXX XXXX XXXX He is paid by W2 and is entitled to benefits. This arrangement is very common in XXXX as well as other industries and should not be an unfamiliar concept to a lender as large as Citibank. The loan officer requested a letter elaborating on the terms of his contract and what the companys conversion process is like. This letter was drafted and submitted by XXXX XXXX that same day. The loan officer also requested the closing date be pushed back to allow the underwriter more time to review the loan documents. The closing date was subsequently moved from XX/XX/XXXX to XX/XX/XXXX.
On XX/XX/2022, we requested an update on our loan application and were told it was in second level review. On XX/XX/2022, we followed up on the status of the loan. No substantial update was provided. The loan officer simply stated I will let everyone know when I hear back from underwriting.
On XX/XX/2022, the title attorney emailed Citibank asking for an update and requested the Closing Disclosure be sent to the Buyers. No response from Citibank was provided. We sent an email to the Citibank team expressing our concern over their lack of communication and follow through. We asked that Citibank provide an update on the loan application and the Closing Disclosure as soon as possible. No response was provided.
On XX/XX/2022, the Personal Processor, XXXX XXXX, emailed us asking for insurance information. This was previously provided on XX/XX/2022. We forwarded the original bind request email to XXXX. At XXXX XXXX, XXXX sent the mortgagee clause and loan number to our insurance agent. He also stated that insurance would be paid through escrow and requested an invoice to be used for payment at closing. Evidence of insurance was provided to Citibank at XXXX XXXX the following day.
The closing attorney followed up with the group asking for an update at XXXX XXXX. After not receiving any response from Citibank, the closing attorney sent an urgent message to the group explaining that we were going to lose our escrow deposit and that she had never seen such a lack of responsiveness in 21 years in this business. No response from Citibank was ever provided.
On XX/XX/2022, the closing attorney emailed the group threatening litigation and stating Citibank could be liable if the Buyers lost their escrow deposit. We contacted XXXX again, who still had no update or information regarding the loan application status. He just kept stammering, it's held up with risk. We demanded to speak to XXXX manager and received a call from XXXX XXXX at XXXX XXXX. The call lasted 13 minutes. XXXX explained in less than 5 minutes what XXXX could not in 2+ weeks. Citibank wanted a letter from my Spouses HR department with specific information regarding his position. We immediately contacted his employer, and within 1 hour, a letter was emailed to Citibank directly from the HR department with all requested information included.
On XX/XX/2022 we followed up with XXXX via email at XXXX XXXX.
On Friday XX/XX/2022 at XXXX XXXX, XXXX called to inform us that Citibank had officially denied our loan application.
In summary, Citibank strung our family along for 46 days with full knowledge of the contractual obligations of our home purchase. They failed to provide either approval or denial in a timely manner and because of their gross negligence, we were forced into a no-win situation. The complete disregard and unprofessionalism of Citibanks employees put us at risk of losing our {$20000.00} escrow deposit and more importantly, the home we had searched and been prequalified for. We had to pay the seller {$7000.00} of our own money to prevent him from taking our entire escrow deposit and walking away from the deal.
Additionally, we were given no time to shop for an alternative lender because Citibank notified us at close of business on Friday night that our application was denied. We had to find a lender over the weekend in an effort to salvage what was left of the transaction and not lose the home. Interest rates had increased substantially since our rate lock with Citibank and although we had no problem securing a loan with another lender ( literally it took 3 hours for desktop approval and just two more hours for full underwriter approval ), the rate we received was 6.375 % which equates to over {$140000.00} more in interest over the life of our 30-year loan term.
This situation is not something I would have ever known to be weary of with a banking institution like Citibank. We were left completely in the dark by Citibank and because of their unwillingness to communicate what was happening internally, they put us in a terrible situation that will cost my family nearly {$150000.00}. I'm a XXXX XXXX, I have a XXXX XXXX old son and this is the home we chose for him to grow up in. Citibank put this at risk and I can not state enough how shocked and saddened we our by how we were treated by this bank.
|
| 05/23/2023 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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Summary : Citi refuses to honor terms of the targeted promotion and pay the bonus of {$450.00} related to opening an account and completing agreed activities.
Details and timeline : ***In XX/XX/XXXX I received multiple targeted offers ( after logging into my online Citi Account ) which promised a {$450.00} bonus for opening a newCiti Accelerate Savings, transferring a certain amount ( {$50000.00} in my case ) and maintaining the balance for 60 days. The offer has been targeted ( most likely to the credit card client of the bank as they mention credit card in the further communication ), it was not available publicly and could be used only after logging in into my account. There was no other way to apply for the bonus and ( for example ) my husband never received the offer even though he is also a client of Citi Bank. I received this offer a few times in my mobile app ( after logging in ) and in my onlineaccount ( accessed via browser ). Eventually I decided to apply by clicking appropriate buttons in the targeted pop up window.
XXXX of XX/XX/XXXX : I applied for the offer as per the procedure. I opened Citi Accelerate Savings but at the end of the process I had some browser issues ( Citi Bank page timed out during the account opening process ). While I could see that the account had been opened ( it showed online ) I decided to contact customer support to make sure that the bonus offer had been properly applied to the bank account. The full conversation can be read in the attached : " XXXX XXXX ''. My apologies for the horrible format of the saved chat but Citi does not offer any save option so the awkwardcopy-paste is the only way to save the chat. In summary customer representative confirmed in writing that : 1. ) the offer has been correctly applied to the account.- confirmed the terms : " Yes I checked in your account where the account has enrolled with bonus offer with us. so you can deposit the amount within 20 days from the account opening date. then you need to maintain it for 60 days and then you will receive the bonus within 90 calendar days in your account. '' 2. ) confirmed that the account has been attached to the account " package '' I've got to avoid fees : " yes depositing $ XXXX ( ... ). yes all accounts are linked with same package so it will avoid fees in your account. '' 3. ) confirmed that : " Citi Accelerate Savings Account in the Access Account Package Earn | : {$150.00} {$20000.00} - {$49000.00} {$450.00} {$50000.00} or more ''. The name of the confirmed package ( XXXX Account Package ) is relevant ( see below ).
XXXX of XX/XX/XXXX : The transfer of {$50000.00} from another bank arrived to the account and has been maintained well beyond mandatory 60 days. I awaited the bonus and did not pay attention to the exact dates, trusting in Citi. I hoped that as an honorable and well known company they will simply transfer the bonus when the time comes. The required balance was maintained until XXXX of XX/XX/XXXX. The transaction list of the account is attached : " Citibank Account XXXX ''. These facts haven't been challengedby Citi.
XXXX of XX/XX/XXXX : I've started to worry about the bonus as based on my rough estimations it should have already arrived. I've reached out to customer support again ( see attached " XXXX '' ). During that conversation the agent : 1. ) confirmed the conditions of the bonus and confirmed I've fulfilledthose 2. ) confirmed that the promotional code is attached to my account ( XXXX ) and apologizedfor the delay in processing the bonus.
3. ) offered to file a dispute which I agreed to do ( ID of the dispute : XXXX ).
XXXX of XX/XX/XXXX : I received bank 's response ( see attached " dispute resolution document.pdf '' ) which confirmed the already mentioned terms of the promotion but in addition to those terms it states that : " Unfortunately, your account does not qualify for this promotion because the CitiBank Account package is not eligible under this promotion. '' and it refers to previously undiscussed " condition '' that the new account should be opened in " in the Access Account Package ''. I have no clue what those packages are and to this day I have no clue what kind of " not eligible '' package I have as it's not mentioned anywhere in online banking, during the application or on the bank statements. The letter doesn't give any way to discuss the matter any further and instead provides a phone number to general customer service which confirmed twice already that everything is fine and I should receivethebonus.
To summarize : I've fulfilled all the conditions but my account hasn't been eligible for the TARGETED promotion due to some " package '' naming which I have no idea what it is. The offer has been targeted and non-public so there is no way for a customer to expect that it's possible to be disqualified ( after 5 months of waiting and confirming with customer support ) based on " package '' naming. In addition to that, the customer service representative confirmed that the bonus applies to my account and that it has been added to the " package ''. Moreover, customer service representative informed me ( see XXXX ) that : " Citi Accelerate Savings Account in the Access Account Package Earn ( ... ) '' so used the name of the eligible package when discussing my account. Eligibility has been confirmed again after a few months.
I hoped that it's all a misunderstanding but it looks like a deceptive targeted advertisementof a bonus which is automatically made not eligible for me based on " account package '' names which I have no chance of checking or knowing. This is a very dishonest way of acquiring clients. The bonus offer was the only thing which made the account attractive as it offered ( and still offers ) average APR ( at best ) around well below some other ( FDIC-insured ) options.
I hope that the CFPB complaint will be treated seriously by the Citi Bank and Citi will decide to honor the agreement and credit thebonus amount to my account. I am determined to fight for the {$450.00} I should have received and will escalate the issue further as the evidence in this case is strong and written communication with the bank speaks volumes.
Thank you
|
| 05/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I am writing to dispute the following information in my file.
The creditor in dispute is Citibank.
Dispute : late payment in XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX . Citibank filed a report to all XXXX Cred it Bureaus ; XXXX , XXXX and XXXX XXXX in XX/XX/XXXX . I was not aware of this late payment in XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX unti l XXXX called me XX/XX/XXXX to tell me they were concerned that I would not make their payments because I was late on making my payment with Citibank in XX/XX/XXXX . I was so confused because XXXX XXXX XXXX approved my debt management application through XXXX XXXX XXXX , everything was all set so I thought and all payments have been made on time for XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX s o how could I have a late payment?
I immediately called Citibank and the first person I spoke with XXXX said my account was in good standing. Then I called each credit reporting agency ; XXXX , XXXX and XXXX XXXX and they confirmed to me that I had a late payment in XX/XX/XXXX and it rolled to XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX . It was at this point it became clear to me that I was supposed to pay the Citibank credit card payment fo r XX/XX/XXXX and all this time I thought that the credit card payment was taken care of during the debt management approval process. The late payment for {$44.00 } in XX/XX/XXXX is ina ccurate because I was instructed by XXXX XXXX XXXX who was processing my application for approval to the debt management company ; XXXX XXXX XXXX that in order to make sure my application would be approved, I was told by XXXX XXXX XXXX that I had to be above the minimum amount or I would not be approved and not to make the XX/XX/XXXX pay ment to Citibank. We consolidated both my Citibank and XXXX amount which barely reached over the minimum. XXXX XXXX XXXX told me not to pay Citibank because it would mess up the approval process. They also informed me that I would not be penalized for a late payments or any fees that would be incurred during the month of XX/XX/XXXX becaus e it was during the transition period and I was protected from anything happening to my credit. They assured me that late payments or fees would not be affected because Im in the transition process to getting the debt management application approved. I trusted fully XXXX XXXX XXXX and did not make my payment to Citibank for that specific reason. XX/XX/XXXX XXXX called me to inform me that they were concerned that I would not make payments to them because I had 4 late payments with Citibank and with fees associated with the late payment. I was shocked!! I had no idea that I had a late payment in XX/XX/XXXX from Citibank. I explained to XXXX the situation with the debt management program and that I was instructed not to pay Citibank during the transition process. XXXX also reduced my lines of credit because of the late payment that Citibank reported to the Credit Reporting Bureaus. They also told me that I should contact Citibank and the credit bureaus immediately to file a dispute which I did.
The XXXX XXXX XXXX XXXX did approve my application at the en d of XX/XX/XXXX and the debt management program started XX/XX/XXXX . My payments for XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX have bee n paid on time from the XXXX XXXX XXXX company that is the debt management company.
According to the credit bureau reports, my payment record is impeccable. I have not missed a payment in 6 years with Citibank or any other creditors. I would not allow myself to miss a payment. If I were not told to not make payment, I would have absolutely made my payment just like I have been making payments to all my creditors on time. I believe I was misinformed and told not to make the payment with Citibank because it would mess up the approval process into being accepted for the debt management program by XXXX XXXX XXXX . I believe the missing payment from Citibank is an error.
As a result of the missed payment which is an error and not my fault but the fault of being misinformed by XXXX XXXX XXXX not to make my payment during the transition for approval of the debt management program, my credit score plummeted from XXXX to XXXX and my credit lines were decreased by 75 %. I should not be penalized for this mistake of being misinformed.
On XX/XX/XXXX I se nt out letters to all the Credit Reporting Agencies explaining the what I was disputing re : Citibank and the Citibank Executives.
XXXX XXXX , the Citibank Executive called me and left me a phone number for me to call.
Through my persistent calling I connected with him on XX/XX/XXXX . His response was that they were not going to reverse the late payment because in the contract that you signed you agreed to make monthly payments. I said Yes that is true and I have made every payment over the past 3 years except for the mont h of XX/XX/XXXX . T he situation had changed during the month of XX/XX/XXXX from making the regular monthly payment to entering into an application for the debt management approval process. I was going through the transition period of getting approved for the debt management process and my understanding through XXXX XXXX XXXX was that I do not make the payment fo r XX/XX/XXXX and th at the payments will be starting in XX/XX/XXXX w ith the XXXX XXXX XXXX debt management program. Again, XXXX refused to consider my past record or circumstances and that he would not reverse the late payment. I believe this is completely unfair and the repercussions that go along with it when I did not know about the late payment unt il XX/XX/XXXX . I am requesting that the item which is the Citibank late payment of {$44.00} plus fees be removed for the month of XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX to correct the information on my credit bureau report.
Please reinvestigate this matter and delete or correct the disputed items as soon as possible.
|
| 06/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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Merchandise of less than {$50.00} was ordered end of XX/XX/XXXX or beginning of XX/XX/XXXX and never received. I received a letter ( that I no longer have ) from Macy 's stating the merchandise was no longer available, order canceled, and there would be no charges to account. Therefore, I was not expecting a bill nor the merchandise. In XX/XX/XXXX, I received a bill showing charges, interest, and fees for the merchandise never received. I called Macy 's customer service billing department to correct Macy 's billing error. I was unsuccessful in getting this matter resolved. Bills continued to arrive and I continued to call Macy 's to rectify their billing error. No success. Finally, in XX/XX/XXXX, the accumulated amount " owing '' was {$320.00}. The {$320.00} amount consisted of the cost of the merchandise ( less than {$50.00} ), compiled interest, and late fees. I again attempted to get this matter resolved. I was transferred multiple times from Macy 's representative to representative for about 4 hours with no success. I remember this was on a Sunday afternoon and the call hours were limited ; closing around XXXX or so. When the " day '' was over the representative placed me on hold and shortly thereafter I heard a recording stating the department was now closed and to call back the next day during normal business hours and " click '' the call was disconnected. This really ticked me off because the problem was not resolved and Macy 's just wasted precious hours of my time. At this point, I gave up and figured this mess would eventually drop off of my credit report. I had a very good/excellent credit rating and didn't figure this would cause too much damage. And, I was wrong! Macy 's has relentlessly reported derogatory information to my credit report. The tactics used by Macy 's reports my account as a charge off, " over '' the credit limit, excessive serious delinquency, and late payments as if this was new and/or recurring. This really makes me mad because I am being reported delinquent, my credit being marred, and considered a credit risk because of the incompetency of some worker at Macy 's to rectify the problem or acknowledge the billing error by Macys.
In the past, I reported Macy 's to the XXXX XXXX XXXX, and disputed these charges with Macys. I have made disputes with the credit reporting agencies ( XXXX and XXXX ) multiple times. The credit reporting agencies have not corrected this error because the credit agencies " say '' they sent the disputed account/information to Macy 's and Macy 's said the information is correct. Of course Macy 's is going to say the information is correct, because they have not corrected their own billing errors. Each time I dispute this inaccuracy to XXXX or XXXX, Macy 's enters a new entry and again reports my account as delinquent. Therefore, continuing to make this situation worse by continually plaguing my credit report and credit worthiness. I am warned from further contacting Macy 's as the " debt '' will reset for another 7 years from the date of contact, thus extending this catastrophe for an even longer period of time.
With each dispute I make, the agency, etc., wants proof of the inaccuracy. I attempted to gain all my billing statements from Macy 's, but am unable to acquire them since my account is closed and I no longer have access to that account or to download them. Therefore, I am at an unfair disadvantage. I located two Macy 's statements from just prior to this billing mess that show 's my credit limit at {$500.00} and a balance of - {$52.00} because I over paid my bill. The overpayment remained on my Macy 's account for several billing cycles until I received a refund from Macy 's for the {$52.00} overpayment. Additionally, I had another Macy 's account for a furniture purchase that was paid in full. The furniture account originally had a " high '' credit of {$2200.00}. For some reason unknown to my, that amount now shows on the " delinquent '' account, along with a {$200.00} credit limit with {$320.00} owing, and Macys reporting as seriously delinquent with 160 % credit usage. I do not know if the high credit {$2200.00} is a good or bad thing to show on a credit report. I am not disputing that ; I am disputing the delinquency and negative reporting by Macy 's.
Macy 's continual reporting of inaccurate and marring information has caused increased insurance rates ( which I didn't know was happening until recently ), and the inability to obtain a mortgage at the lowest rates. My credit report is spotless except for the Macy 's inaccuracy. There are no late payments except for Macy 's. There are no delinquencies except for Macy 's. There is no excessive credit usage, except for Macy 's. My debt usage is approximately 7-8 % except Macy 's reporting of excessive debt to credit at 160 %. I have no medical debt or delinquencies. Nada, Nothing, except Macy 's billing error. I pay my debts in full and on time. I will gladly pay Macy 's extortion of {$320.00} that they state I owe just to get rid of them and to remove all that negativity from my credit report. Morally, this is wrong and I would be paying a debt I do not owe. Macy 's has reported me delinquent for nearly 5 years and my report shows the delinquency will drop XX/XX/XXXX. That is 7 years of negative reporting on my credit report as a result of a Macy 's employee who made a billing error that ultimately resulted in excessive late fees and interest. My credit report is clean except for the Macys report. Why on earth, would someone not pay one creditor for their debt when they pay all the others? This makes no sense. It also makes no sense to pay for merchandise never received and cancelled by Macys and their associated excessive late fees and interest.
Macys negative reporting is causing approximately a .5 % add on to the lowest mortgage rate that I would be eligible for. Over the life of the mortgage, this .5 % increase in rate results in {$15000.00} calculated using simple interest. That is an insane penalty amount because some Macy 's employee failed to remove charges on my bill for merchandise I did not receive and its corresponding interest and late fees amounting to {$320.00}.
|
| 03/25/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
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I am an XXXX XXXX in XXXX ( licensed in XXXX and XXXX ). I am also a customer of Citibank. I am the holder of the above-referenced account and of the Citibank Aadvantage Card with the account number ending in XXXX. I am having a problem resolving a matter regarding the Best Buy account and am writing to solicit your assistance. I would not trouble you had I been able to resolve the matter through your customer service department.
The week of XX/XX/XXXX I began receiving calls from Citibank. I assumed they were sales calls. I received a voice mail with a message that the calls had to do with my delinquent account. Not being aware of any delinquency I returned the call. I was told that my account was delinquent in the amount of {$870.00}. I indicated that this was not possible since I was in fact making ( large ) monthly payments on the Best Buy account. I am enclosing copies of the summary showing the payments I have made on the Best Buy account over the last 24 months. My on-line account will not allow me to go back further. I am also enclosing a summary of payments for the last year. You will note that in XX/XX/XXXX and XX/XX/XXXX I had a negative balance on the card of {$500.00} representing an overpayment I had made. How could there be any delinquency on an account on which an overpayment has been made? I was simply making large monthly payments since this was an interest-free offer and I wanted it paid in full well in advance of the expiration of the free interest period.
This is where I became confused. I was told that there were actually two accounts. One was opened in XX/XX/XXXX and closed inXX/XX/XXXX. The second was opened sometime after XXXX. This was a surprise to me since I knew of only one account a Best Buy account. I did open the account in XX/XX/XXXX, again to take advantage of a promotional free interest offer. I was sure to pay the charges off to avoid the interest imputation. In XX/XX/XXXX and XX/XX/XXXXI made further purchases. I would have not done so had the prior balance not been paid in full. I also doubt that Citibank would have extended further credit had there been a delinquency. When I went to Best Buy I was told that there was another promotion and that my account was still in effect. They accessed my account utilizing my social security number. I was never told that another account was being opened or that I that I was not using the existing account.
It was very difficult for me to try to piece together exactly what had happened. I am still not sure that I have accurate information. I have repeatedly requested account statements but have yet to receive them. However, what I believe to be the case is that the account was opened in XX/XX/XXXX, either with Citibank or the account was later acquired by Citibank. I can not tell. I made payments, as stated, to avoid the interest charges. However, I was told that the account was closed in XX/XX/XXXX how or why I do not know. Citibank claims that at the time the account was closed there was an outstanding balance on the account of {$74.00}. This was a surprise to me based upon the foregoing facts. When I asked how they got to {$870.00} I was told that it was the accrued interest that was charged based upon my failure to pay the account in full prior to expiration of the free interest period.
You can no doubt understand my confusion. They claimed the account was closed with an outstanding balance. Again, I did not close the account and made payments sufficient to pay the amount in full during the free interest period. It seems that Citibank closed the old account and opened a new one at some time subsequent. I am not sure how they applied the payments I have made. But, it appears they have done so in a manner that would create a deficiency allowing them to charge the penalty interest.
I explained the foregoing facts to the person I initially contacted. I was referred to their supervisor to whom I again explained. They agreed that the matter made no sense. They were also limited due to their inability to access records going back to the time in question. I was told that I would need to speak to the supervisors superior and request an abatement of interest. This I did and was told that the matter would be submitted for consideration. Just days later, on XX/XX/XXXX, I was contacted and told that the request for abatement was denied and that they would seek to recover the full {$870.00}.
It also appears that Citibank had an incorrect address for me. They indicated that they had sent me letters, but they had all been returned as undeliverable. When I had them read me the address, I found that it was wrong. However, I didnt receive an adequate answer as to why I wasnt contacted by phone or email. They admitted they had my email address. They also had my telephone number. They had been calling me in an attempt to collect what they claim to be a delinquent debt.
Last week while I was in Missouri, I received numerous phone calls from Citibank. They were calling about the same thing. On XX/XX/2019 I spoke to an individual who claim there was {$74.00} due on the account. I gave him a debit card to pay this sum. I knew he wasnt correct but if that would put everything on hold while I attempted to resolve it, I figured it would be money well spent. I have checked my account and see that the payment was not processed ( or perhaps not processed yet ).
So it appears to me the Citibank closed and opened accounts to create the deficiency. They then waited three years to contact me via phone at a number they had since XXXX. The reason for this escapes me but is unacceptable. I mention the XXXX XXXX Citibank Card which I opened to gain miles for my charges made to the card. It has a high credit limit and availability. However, I have stopped using the card based upon this experience. I was extremely worried about continuing a relationship with Citibank if this were the way it conducted business. I will also never use any credit to make a purchase at Best Buy if, in fact, I continue to shop there at all.
What I request is that : 1. This matter be resolved.
2. The interest penalty be abated.
3. Any damage to my credit be repaired.
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| 04/11/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I assume after receiving the original complaint copied below Citi tried to address the issue or confirm receipt of the complaint by sending a " secure message '' through the account in question. An account that can not be accessed ; hence, the complaint. Called customer service on Monday, XX/XX/XXXX to find out what the secure message says and was told they can not see it. Logic would dictate that if the issue is an inability to log in to the account why would a message be sent to me via that account. OBVIOUSLY IT CAN'T BE ACCESSED, so the message can not be read.
Also, worked with another customer service representative to try and reset account. Still can not access account and have, once again, been sent to the technical support supervisor.Have been on hold for 23+ minutes at this point.
PLEASE READ THE COMPLAINT IN FULL. If you need to contact me, I suggest that you do so in a manner that does NOT involve a locked account.
Original complaint : Opened Citibank Savings Account online in late XXXX XXXX. Account has ALWAYS been managed online. No ATM/Debit card was ever issued to the two signatories on the account to their knowledge. No ATM/Debit card has ever been used with this account. There has NEVER been a problem managing this account online until Thursday, XX/XX/XXXX. XX/XX/XXXX tried to login into account using UserId and PW. Know both were correct as they are kept in a XXXXXXXX XXXX and only one person manages this account. Checked the UserId and PW in the XXXX XXXX against backup, written copy. Both were the same. Tried to reset PW online. Required an ATM/Debit card number and PIN. Account did not have a card or PIN. Only way to reset the account allowed. Called Customer Service. After lengthy vetting, representative explained that in the last month Citibank was requiring everyone to reset their PW. This was not explained on the website when the login failed. Representative explained he could not reset PW and asked me to hold while he went to find out what to do. After 9 min and 44 seconds on hold, I hung up and called Customer Service again. Second representative completed same lengthy vetting and also explained that he could not reset PW BUT he did say he could issue an ATM/Debit card and have it overnight expressed shipped to my home. He explained with the card I could setup a PIN online and then reset the account. Went through another lengthy vetting to receive ATM/Debit card. Now completely unable to access my account and, thus, my funds since there is NO Citibank branch in North Carolina which signatories reside. ATM/Debit card arrived Friday, XX/XX/XXXX. Tried to setup ATM/Debit card PIN online as explained by representative on Thursday, XX/XX/XXXX. Online system did NOT recognize ATM/Debit card number. Tried to setup ATM/Debit card PIN via phone system. Phone system did NOT recognize ATM/Debit card number. Called Customer Service. Took almost 6 minutes to be connected to a Customer Service agent because phone tree wants to force all PIN issues to phone system. Explained issue to Customer Service representative who told me that I could not setup the PIN because one had not been issued originally. After another lengthy vetting, the representative was able to put me in the system to setup a PIN. PIN setup was successful and I was returned to the representative. She confirmed that the ATM/Debit card and PIN were now active and attached to the account. She said I should be able to now reset my account PW. Representative stayed on phone with me while trying to reset PW. Was able to enter the ATM/Debit card number and then was asked for the last 4 digits of signatory SSN or account number. Tried signatory # 1 's SSN... FAILED. Tried signatory # 2 's SSN ... .FAILED. Tried account number... FAILED. Representative then wanted to know what browser was being used. Answer : XXXX XXXX latest version. That should not cause a problem according to the representative. Representative wanted to try SSNs and account number again. All failed again and now locked me out of the PW reset system. Representative claimed she could not see that I had been locked out and, thus, could not reset system. She could not explain problem, so she said she had to transfer me to Technical Service. STILL CAN NOT ACCESS MY FUNDS. Waited on hold for almost 41 minutes for a Technical Services Representative. Went through the same lengthy vetting. Was told that I already had an ATM/Debit card and I had to use that one to reset the account. Explained again that no such card exists and had never existed for the signatories. Told the tech services representative this was why Customer Service had overnight, express shipped an ATM/Debit card to us the day before. Tech Service representative said that the other signatory had the ATM/Debit card. Didn't ask if the other signatory had the card; told me they had the card. That person was there and told them no card had ever existed and was NOT in our possession EVER. Explained again that we have a brand new ATM/Debit card with a new PIN for the account sent to use by Customer Service just the day before that we had received this morning. We needed to use this NEW card to reset our savings account PW. Representative then told asked the same vetting questions as before and then informed me that 1 ) my name was not on account, 2 ) the other signatory 's name was not on account, and 3 ) the account assigned to that new ATM/Debit card number was not our account. All this was baffling considering the vetting process we had just completed when the tech services rep started the call AND the vetting with the earlier Customer Service Rep. The tech service representative then told us we would have to go to a branch to solve the issue. There is NO BRANCH IN NORTH CAROLINA. I demanded to speak to the technical representative 's manager and was informed he was the manager and there was no one else to talk to and HE HUNG UP ON ME. STILL HAVE NO ACCESS TO MY FUNDS. Obviously, the account is mine given that every day between XXXX XXXX XXXX XXXX XXXX EDT, I receive a text message telling me the balance in that very account and I have passed vetting for this account four different times.
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| 01/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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To whom it may concern, We are sending in this compliant with the hopes for justice and recouping our loss.
Back ground history We opened a 2nd mortgage with XXXX XXXX in XX/XX/XXXX for {$210000.00} Loan was then transferred to CitiMortgage a short time later.
On XX/XX/XXXX XXXX lost his job, CitiMortgage was contacted in an attempt at possibly refinancing the loan at a lower interest rate. The CitiMortgage representative advised that with XXXX being unemployed it could not be done.
In XX/XX/XXXX still with no job and drowning in debt we made the hard decision to file bankruptcy. My bankruptcy attorney included all open debts/ with balance on my credit report at the time, to obtain the relief we disparately needed and filed the appropriate chapter XXXX.
We tried negotiating with CitiMortgage to modify the Mortgage Interest rate which was at 11.75 % after several months of back and forth the modification unit at CitiMortgage said we were close to obtaining the requested modification. We then received a telephone call advising us that the loan was no longer in the Modification Department and had been sent to the collections department.
We received no further billing statement or correspondence from CitiMortgage after they advised that they were putting the Mortgage in Collections As per our credit report dated XX/XX/XXXX, CitiMortgage transferred/closed my account as of XX/XX/XXXX. No new account was reporting on my credit report at that time.
We never heard from CitiMortgage nor any other entity they transferred my loan to. Nothing ever appeared on my credit report regarding this account other than transferred/closed by CitiMortgage. Nothing ever appeared in the Derogatory section of my credit report regarding this account as past due or in collections.
Complaint # 1 On XX/XX/XXXX eight years after CitiMortgage transferred/closed my account we enter into a contract with a builder to build a new home in Florida. We were going to sell our current home in NY during the build process and move into our new retirement home. The contract allowed for a 30 day mortgage contingency to allow us enough time to know we qualified for the new home.
The mortgage company XXXX pulled our credit report on XX/XX/XXXX in the preapprovalprocess ( copy attached ). As indicated on this report the CitiMortgage account appeared as it always had transferred/closed with CitiMortgage. We were approved for the new loan please see ( pre-approval attached ).
In XX/XX/XXXX when selling our then current home in NY the closing attorney informed us that there was an open lien from XXXX XXXX on our current home.
We advised the closing attorney that the Mortgage lien listed for XXXX XXXX was transferred to CitiMortgage in XX/XX/XXXX. He questioned if the Mortgage loan had been discharged during the Bankruptcy as there was no deed filling for CitiMortgage on the New York Property. He also advised that the NYS attorney General had taken legal action against XXXX XXXX and that they were no longer allowed to write Mortgages in New York State as they were found to be a predatory lender.
The closing attorney tried to help, however in the end we had a contract to close on our house and did not want to break the sale as our thirty ( 30 ) day mortgage contingency was up on the contract for the new home in Florida. After many nerve racking and stressful days we contacted CitiMortgage and obtained a payoff for the second mortgage account from CitiMortgage that was ( Marked ) transferred/closed. Please note that the account number on the payoff received from CitiMortgage is the same account number listed for the transferred/closed mortgage 8 year earlier. We were very distraught and did not know we had an avenue to seek relief we believe that CitiMortgage should return the {$180000.00}.
Compliant # 2 In XX/XX/XXXX with our home nearing completion XXXX pulled an updated credit report. This new report reflected the CitiMortgage account ( same account number ) under derogatory credit items as a charge off paid ; paid on XX/XX/XXXX. Why would we pay a charge off?
XXXX XXXX first requested proof this was paid prior, as they did not understand the timing and what happened. After we told them the story they tried submitting our loan file to convention good loan banks with the explanation that this was not a XX/XX/XXXX charge off. That CitiMortgage in fact charge this off 8 years ago as reported on our credit report.
We were locked in for 80 % LTV at a rate of 4.25 % fixed rate ( see lock in ). They declined our loan due to a mortgage derogatory paid less than 12 months old ( see decline notice ). XXXX checked with other lenders and they all said the same thing.
XXXX worked and found a portfolio lender to do the loan at a lower LTV 70 % and a much greater interest rate and adjustable program ( 7.25 % see Closing Disclosure ). We were of course very distraught not only did CitiMortgage take proceeds we expected they now have made it nearly impossible for us to get a mortgage for the purchase on our new home. We had to close with a lower mortgage taking yet more of our retirement savings ( {$33000.00} ) and have an adjustable rate mortgage at a higher rate. Please understand we had no home at this point and builder was holding {$59000.00} in escrow and at risk of defaulting on our contract.
The monthly payment difference between 80 % LVT at 4.25 % with a P & I payment of {$1300.00} compared with a 70 % LVT at 7.25 % with a P & I payment of {$1600.00} is {$280.00} monthly. As a retired couple this is a huge hardship.
Not only are we out the additional down payment requirements the portfolio lender required of {$33000.00}, we are paying an additional {$280.00} monthly in P & I.
In order for us to possibly obtain a lower Mortgage rate we have been told that we must wait at least 24 months from CitiMortgages date reporting this derogatory credit line that should have been reported in XX/XX/XXXX and in fact was not as is evident on the attached credit reports. As a direct result of the bad faith actions of CitiMortgage we will be paying an additional {$280.00} a minimum of 24 months or {$6800.00}. Not to mention the cost of refinancing.
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| 09/25/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX Dear Consumer Finance, I am writing this correspondence to your department in hopes you can help me resolve this credit reporting error I am currently enthralled with XXXX. Below is a detailed timeline of my correspondence with the various credit departments within the XXXX/Citibank Corporation which I have been engaged in since XX/XX/XXXX. I have also included their varied responses to this matter.
To be brief, in XX/XX/XXXX while in the process of reviewing my annual credit reports I noticed a reporting error on my XXXX account with my previous XXXX account. I promptly disputed this error with XXXX directly and waited 90 days for the results. According to XXXX this account was reporting correctly. I was encouraged to reach out to XXXX directly to clear this matter up.
XX/XX/XXXX I settle my debt with Department Stores National Bank for my outstanding debt to XXXX for {$430.00}. Please see attached evidence marked Exhibit A My XXXX credit limit was never more than {$400.00}.
XX/XX/XXXX XXXX processed this settlement via electronic check # XXXX reference # XXXX XXXX. Please see attached evidence marked Exhibit A2 XX/XX/XXXX I notice XXXX account ( which has been settled via collection since XX/XX/XXXX has been reporting via XXXX as CO ( Collection Account ) since XX/XX/XXXX. I dispute this error with XXXX directly.
XX/XX/XXXX XXXX closes their investigation stating per the creditor the account is reporting accurately.
XX/XX/XXXX I called the number listed on my credit report for XXXX XXXX and speak with representative XXXX ( agent # XXXX ) who confirms the system reflecting settled payment for this account since XX/XX/XXXX. XXXX explains this is a reporting error on behalf of XXXX which could be easily rectified with a simple letter explaining the situation to the dispute department.
XX/XX/XXXX - I write a letter to XXXX dispute department per XXXX instructions stating the account was settled by me and closed by the credit grantor ( XXXX ) some time ago. I encourage XXXX to review their reporting and make the correct adjustments. By now the account is reporting late since XX/XX/XXXX to present even though the account has been settled and closed since this settlement payment in XX/XX/XXXX. This letter was sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please see my initial correspondence to XXXX marked Exhibit B.
XX/XX/XXXX XXXX responds to my letter stating their records indicate the account reporting as CO is reporting as correct per their records. Please see Exhibit C.
XX/XX/XXXX - I reach out again to XXXX @ XXXX and speak with representative XXXX ( agent # XXXX ) who once again confirms the debt as reflecting as settled since XX/XX/XXXX. XXXX also confirms per his records the account is reflecting a {$0.00} balance. XXXX directs me to Citi Recovery to explain this issue.
XX/XX/XXXX I am transferred via phone to Citi Recovery and speak with XXXX ( agent # XXXX ). XXXX, like XXXX and XXXX confirms her system records reflect a settlement payment in XX/XX/XXXX and a {$0.00} balance reflecting too. XXXX suggests I fax all my evidence to the Escalation Department @ XXXX, as fax is their best way to review all material and make any necessary adjustments. XXXX also informs me she can send me a confirmation letter proving the {$0.00} balance. When I inquire if this letter will show the {$0.00} balance as of XX/XX/XXXX, XXXX states the letter will not reflect any form of as of date.
XX/XX/XXXX I fax a new dispute letter to Recovery Dispute ( Escalation Department ) as well as send a certified letter to : Recovery Dispute XXXX XXXX XXXX XXXX XXXX, MO XXXX Please see my second correspondence to XXXX marked Exhibit D.
XX/XX/XXXX I receive via First Class mail a letter from Citibank N.A. confirming my XXXX account reflect a balance as {$0.00}. Please see Exhibit E.
XX/XX/XXXX I receive response from my Recovery Dispute letter ( Exhibit D ) from XXXX stating their records indicate that the information appearing on my credit report is correct. Please Exhibit F.
XX/XX/XXXX I check my XXXX credit report and find that the inaccurate reporting from XX/XX/XXXX to present has changed from CO ( collection account ) to now being reported as late. How can the reporting be accurate by their standards, yet they make this change with out any notice to me? Furthermore, how is it so many departments and representatives confirm my facts about this account as accurate and correct but the correspondence findings confirm the opposite?
Facts : My XXXX account was settled with Department Stores National Bank on XX/XX/XXXX.
The payment for this settlement office posted via check # XXXX on XXXX XXXX.
XXXX has this on their record as settled XX/XX/XXXX.
Since the account was settled, the credit grantor ( XXXX ) closed this account thereafter.
Currently, I do not have any XXXX account as evidenced by no new inquiries on my credit report from XXXX at all ever.
In my every interaction across all the various departments I spoke and corresponded with at XXXX/Citi in this journey not one department can provide me actual proof of late payments, or proof of mailed billing statements because I can assure you none exist. I believe after my inquiry regarding information on the collection agency assigned they realized this error and change the credit reporting from CO to Late? Both reportings are inaccurate and further proof of their unscrupulous practices. Please see the change across Exhibit G1 and Exhibit G2.
When I initially reached out too XXXX regarding the CO collection reporting I asked for information on the collection agency the supposed debt was assigned. XXXX could not provide such information because none exists!
I sincerely appreciate you help in getting this issue resolved. As I stated in my correspondence to XXXX the resurrection of this settled debt has caused an unwarranted amount of stress and missed opportunities for advancement in personal life. I have been trapped by their vindictive reporting and unable to finance a vehicle and denied property rentals because of this retaliatory and bumbled reporting.
Thank you, XXXX XXXX XXXX Submitted via : consumerfinancace.gov
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| 10/25/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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1. I have been client of Citibank since XXXX ( bank account and platinum Select MC credit card ). I have never had a problem as a client of Citibank or any other financial institution before. I always pay my credit card statements in full.
2. On XX/XX/XXXX, around XXXX XXXX I made 3 different cash deposits at the drive-trough Citibank ATM XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL ( ATM ID XXXX ). Something that I regularly do and have been doing over these 18 past years. In general, I always use that same ATM. Thats because I usually go to XXXX XXXX once a year on holidays, and thats something I do after I pick up my car rental in XXXX or XXXX XXXXXXXX XXXX
3. The problem started when I inserted the amount of USD XXXX ( in XXXX denominated bills ).
4. The ATM made the typical noise when it counts the money after being inserted. However, suddenly the noise stopped abruptly and the screen went black. After a few seconds an unusually small receipt ( copy of which I attached hetero marked as exhibit I ) was printed by the ATM : Im sorry. Because of technical problems, I cant return your cash right now. Please take this record for assistance.
5. I contacted Citibank customer service right away through a phone using the number specified in the ATM receipt.
6. After I explained the situation, the account representative told me that sometimes these things happen. And she said my account would be immediately credited in the same amount that had disappear inside the Citibank ATM ( USD XXXX ). She mentioned it was a provisional credit, and said that before 45 days the issue would be solved. I was really concerned and worried, but she said I didnt have to be, because someone would look into the matter as soon as possible. She reinforced the idea that technical problems happen every now and then.
7. I was feeling very anxious and distressed but could not get any human face to face help from Citibank because it was XXXX XXXX and all Citibank branches were closed that day.
8. The following day ( XX/XX/XXXX ), I logged into my account and found a letter for Citibank mentioning that in connection with my inquiry a provisional credit had been made and that an investigation was being carried out. The letter was very formal and did not specify any further details ( copy of said letter is attached Herero as exhibit II ).
9. Despite my disappointment, I decided to trust Citibank. I asked myself what could possibly go wrong? After all, I had been a valuable customer for 18 years, something that I hear and read every time Citibank contacts me for whatever reason.
10. Therefore, I used my credit and debit cards as I have always done, counting on the balance displayed by the city app and the webpage and relying on the way Citibank had always made me feel until that day : a valuable and trusted customer. I went shopping and paid for my daily life while vacationing in Florida.
11. However, on XX/XX/XXXX, I logged onto my account and found a new letter ( attached hereto as exhibit III ) stating that the institution had finished the research and that the provisional credit was given in excess of USD XXXX. And that such amount would be deducted from the account on that same day ( XX/XX/XXXX ). I felt Citibank was accusing me of trying to steal XXXX from them. On that date, XX/XX/XXXX, and pursuant the Citibank webpage, the debit in the amount of XXXX was still pending.
12. Finding myself back in XXXX, I immediately contacted Citibank customer service again, and made a new claim regarding this issue. I wanted to open a dispute on that final investigation. The new case was registered under the # XXXX ( see letter attached as exhibit IV hereto ).
13. I spent over an hour on the phone with the Citibank representative. Since I felt he could not reply basics questions about the initial claim, I demanded him that the conversation be recorded right away. I specifically requested that Citibank keep the debit in the pending status. I needed to buy something for my business and I was counting on having the money the ATM had swollen in XXXX. I mentioned several times that I needed the money in the account because an autopayment of my Citibank MC was scheduled for XX/XX/XXXX, and if they went through with the disputed debit of the USD XXXX, I would default on the credit card payment ( something that I had never done in my life. Not with Citibank or with any other financial institution in the world ). The representative reassured me 2 times during the call that no debits would be posted. Before hanging up, I informed the Citibank representative that I requested to see the ATM surveillance camera for that ATM for that day, XX/XX/XXXX. I also informed him of my intention to initiate legal actions for all the damages Citibank had caused and was still causing me.
14. Since I was feeling mistreated, after I finished the phone call with Citibank, I decided to log again onto the account and take a picture of the pending status my account showed ( screenshot attached hereto as exhibit V ). I was feeling I was being the victim of a fraud performed by the same financial institution I had been trusting my savings and which had been charging me fees for keeping my account and credit card for 18 years.
15. Im glad I did that, because on the following day, I logged again onto my account just to find out that Citibank had not honored its word to keep the disputed amount as a pending debit or a provisional credit. The debit appeared as now Posted ( the screenshot is attached hereto as Exhibit VI ), and the amount was effectively deducted.
16. After Citibank failed to honor its word of keeping the debit as pending or as a credit, I dont feel I can trust Citibank anymore or expect a different outcome regarding the new dispute. Also please note that in the last letter I received from Citibank, it simply states that the institution will contact me as soon as the review of my account is completed. But it does not establish a certain date. Nobody knows when that will happen, but in the meantime Citibank took my money and I cant dispose of it after I have deposited the amount 50 days ago. I really need my money.
|
| 10/12/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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On XX/XX/XXXX I was making a large purchase with Home Depot for several XXXX tools. At the time ( and still currently ) Home Depot was having a sale on XXXX tools offering a certain amount off when you spend so much, which I qualified for. When viewing the cart for my purchase it showed my subtotal then the amount of savings ( for the XXXX sale ) and then my Total. Right below that there was an additional offer to apply for the Home Depot credit card for my purchase. The promotional offer was if in a single purchase {$300.00} was spent you would receive a {$50.00} credit ( if approved ). Directly in the cart page it shows the math for the benefit of applying. It took the Total mentioned above ( after the savings ) and then showed an additional {$50.00} off ( because the purchase was greater than {$300.00} ) with a New Total leading me as the consumer to believe that the transaction it was basing its math on was eligible for the promotion and my New Total would be {$50.00} less. Im attaching an example screenshot from their website today to show how it displays to consumers showing the savings in the transaction as well as the additional savings for the credit card. Based on this display I applied for the credit card with the sole purpose of getting the additional {$50.00} savings. I was approved for the credit card.
On XX/XX/XXXX at XXXX I contacted XXXX ( for Home Depot Card ) through their online message tool to inquire when the {$50.00} credit would be applied. On XX/XX/XXXX at XXXX I received and what appeared to be an automated response that my account was being reviewed by a specialist and they would contact me back to notify me of the findings ( which they never did ).
On XX/XX/XXXX I still had not received a response so I messaged them again to follow up on the request. The following day XX/XX/XXXX I received a response that said they could not respond and I needed to call.
On XX/XX/XXXX I called Citibank to inquire. I explained to the first representative I spoke with that I was looking for the missing promo credit. She acknowledged right away that she was aware of the promo and offered to review my account. After reviewing the transaction she explained that because of the promo I received for the XXXX sale that I was not eligible for the {$50.00} for opening the credit card ( you apparently cant receive both credits ). I explained that I did not recall seeing anything that indicates that and in fact recalled it actually showing on the screen the additional {$50.00}. I also explained that was the sole reason I even applied for the card and that the reason she saw multiple debits /credits prior to the qualifying purchase was because I was ordering online and even though it indicates on multiple items that the items were available and allowed me to purchase, when the store went to fulfill the orders they didnt actually have the items. This caused the purchase to go below the {$300.00}, which caused me to cancel the rest and reorder a couple of times because I was trying to meet the requirements of the promo which had to be {$300.00} in a single transaction. The {$500.00} transaction on XX/XX/XXXX was the ultimate qualifying purchase. I was basically told there was nothing that could be done. I requested to close the account as the promo was the only reason I opened it.
The conversation didnt sit well as I specifically recall playing close attention in making the decision to apply in order to get the {$50.00} credit. I felt duped, mislead, and angry that they werent honoring what they advertised, especially since it took multiple tries to get it all to fulfill over {$300.00} and attempts to get Citibank to respond. After the call I pulled up the Home Depot site again to see what I had missed. I created a mock order similar to my original and sure enough it was showing both the savings in the transaction AND an additional {$50.00} for applying for the card. I took a screenshot ( attached ) and called back Citibank. I spoke with another representative, again explained the whole situation plus the additional double check on the website. She stated the same as the first representative so I asked to escalate the call and spoke with an escalation team member. I explained that it was very misleading to the consumer showing the math, including both discounts showing a new total. I offered to send the screenshot to show how the website was misleading. She indicated they do not have email. When I explained how the math showed she said it shouldnt say that and didnt seem to believe me. Since she couldnt get my screenshot I asked her to create her own mock order which she did and first said she didnt see where it was showing that. I explained I wasnt sure what to say, it was showing on my end. She then asked exactly what I put in to get it to show and she recreated the same transaction as me so we could go line by line. She then referenced terms in the Apply Now, which now that she points out the fine print I recognize it indicates the offer is not eligible with other discounts. To be honest I didnt consider this sale a discount and the cart page references it as savings, not a discount. She now acknowledged that the page was showing the additional {$50.00} to apply then saying but when you apply in the terms it says you cant have two discounts. She offered no resolution. I asked how do I escalate further and she provided a PO Box for an Executive Response team
. After speaking with 3 people after 2 unsuccessful contact through the online help I decided to escalate on this complaint instead of another contact to Citibank. This is extremely misleading and appears quite unethical. The
website specifically shows the consumer the math for both the savings in the purchase from the sale as well as the additional {$50.00} to apply for their credit card ( reference screenshot attached ). I personally have been in the financial industry for 20+ years so consider myself quite savvy on financial matters and can imagine the consumer without a financial background could often be mislead based on the deceptive practices being employed on the website to generate new credit card accounts.
|
| 01/11/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
Citi is the same company that issues Visa for Costco.
I have their Visa Card I also have a high yield savings and a checking account at Citi Bank.
XX/XX/XXXX I had called Citi Visa because I could not log in to pay my bill ( they always send me an email that the bill is due ). Was on line with them for 45+ minutes. Finally they said I must change my password. I did and then was able to log in to my account. ( had not had problems before to log in for this account ) .They could not tell me why it necessary to change my password.
First Call to Citi re Banking Account XX/XX/XXXX Could not log into account. ID and password error message was that my info not match their records ; Had to talk to several different people. I kept getting message in red letters that they having trouble and check back later. This went on for several days. When I mentioned this message to customer service they insisted they were not having problem with their system/programs. The call was disconnected. Nothing settled.
Second Call to Citi ( about 3 weeks later-it takes a long time on the phone with these people ) ( XX/XX/XXXX ) ID and password info not match their records ; Click on ID or password ; tried to reset password ; could not reset A different person said I had to use my debit card to get into my account I have NEVER used a debit card in my life and do not remember them giving me one when opening account. If they did, I would have torn it up and put it in the trash. Dont use them, ever. And I was never before told I had to use it to get into my account. Before I could always log in with ID and password. Then they decided my debit card had expired and they would send me new one, meaning I had to wait several weeks to get a new card before I would have access to my monies. They asked for pin ; I never used a pin, I have all the info they need to identify myself so I could have access but nothing satisfied them. This is not right, nor is it legal that I can not have access to my account and ALL my monies..
Third call to Citi Still not have access with my ID and password Still could not change my password to gain entrance Had to enter my new debit card # Enter last 4 of social Not match Enter checking acct # No access Spoke to their IT guy and he could not do anything On phone with 3 different people for an hour Supervisor said they sent a code to me twice to get into my account or so they said ; I never received a code from them. He said my records not match theirs ; he said he was calling my cell phone provider to confirm that my phone # belongs to me and I must wait 15 days to hear from cell phone provider for confirmation, then I can access my account.
Next call to Citi ( XX/XX/XXXX ) Call to transfer monies. Told automated system wanted to transfer monies. I was put on hold for almost 17 minutes and then I hung up. It was evident they were not going to help me. Actually I just wanted to know how to use the Debit card in hopes I could get my money through the card.
Next call to Citi ( first week of XX/XX/XXXX ) XX/XX/XXXX first try to change password in XXXX " Account Access Locked The information you entered does not match our records. For your protection, we may limit multiple attempts during a 24-hour period. Get help unlocking your account access by selecting the Live Chat button. If you continue to have issues, please call our Technical Support Department at XXXX ( TTY : XXXX ) or XXXX collect from overseas for assistance. '' Finally got to speak to someone and asked how I use the debit card to access my money since I never used one. Was told to take it to any ATM machine and get monies. So I go to my XXXX XXXX and give teller the debit card. He tried to deposit $ XXXX into my XXXX personal account. It was denied ; he tried again ; denied again ; he then tried to deposit just {$10000.00} as he said some times they will let you take out a little instead of blocking everything. Could not even withdraw {$10000.00}.
I call Citi again and they insisted my monies is not locked but could not explain why I could not withdraw it. Then Im told I must sign a waiver before I can get the monies. She could not tell me who the waiver is for and why it necessary. Then she said they not want me walking around with cash and they want me safe. To which I explained it is my monies and I will well do with it as I please and it is none of their business what I do with it. She kept saying I need a waiver.
Next attempt w/Citi Before I knew XXXX had blocked the deposit of {$20000.00} again,, I moved the other monies into the checking account and wrote a $ XXXX check to deposit at XXXX in my personal account. And I moved the {$20000.00} from XXXX to a different bank for better interest rate. Now it is blocked again. There may be fees for this by the new bank.
Thursday morning XX/XX/XXXX Get balance summary every morning from XXXX. The {$20000.00} deposit was locked by Citi. Called Citi and they said it not locked. Needless to say we argued then he said it is probably because my checking account was never activated since I had not written checks from the account. I did write a check to my church in early XXXX. So he has no dispute now. He said he check on it and get it taken care of. After a wait he said the monies are available and I can write another check for that amount and it will not be blocked. I told him I not trust him because they have repeatedly tried to block me and if my monies are not released immediately I will sue them because their actions are illegal. He promised funds be available in 2-3 hours because that is how long it takes. I went back to XXXX and wrote another check for the remainder of funds ( which I had transferred day before to the checking account so I could move the monies out like that.
XX/XX/XXXX Received my Account Summary from XXXX. Citi has again blocked/frozen all my monies.
Please help. I need all my monies now. I can not even log into my account-still.
I also have 3 recordings of my conversations with Citi Bank confirming the information I have posted here ; they are just too large to send. If you can advise me of another way to send them to you I will.
|
| 08/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
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This complaint is totally different from my original complaint filed on XX/XX/XXXX. This complaint is about Citi have never answered XXXX simple question which I asked on XX/XX/XXXX, this complaint is about Citi customer representative trying to use XXXX different reasons to fool me around. This is NOT the duplicate complaint to Complaint ID XXXX!!!!
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I originally filed the case through CFPB on XX/XX/XXXX, and asked XXXX simple questions. I didnt receive any answer from Citi XXXX Citi XXXX repeated its misleading information in the response letter. In order to solve the problem, I provided all the facts again and asked Citi to answer those XXXX questions on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After XXXX months and multiple emails back and forth, I havent received a clear answer for those XXXX questions yet.
Citi already gave me XXXX different reasons to decline my XXXX bonus miles : XXXX. The first reason is, Citi didnt receive the invitation number XXXX. The second reason is XXXX month waiting period, after I provided the invitation number XXXX XXXX the third reason, the promotion is from XXXX XXXXXXXX XXXX not from Citi XXXX the fourth reason, they reviewed my interaction with Citi customer representative on XXXX and XX/XX/XXXX, and determined that I was advised that I was not eligible for the offer.
I dont know which reason is true, and why Citi XXXX me XXXX different reasons. For reason # XXXX, I also have received several paper invitation letters, it is hard to tell it is from AA or Citi. It actually doesnt matter who sent out the invitation email/letter, XXXX or Citi. I applied for this card through Citi customer representative, Citi has the responsibility to verify all the information and my eligibilities during my application.
For reason # XXXX, my response is, you reviewed the interactions on the wrong date. You should review my interactions with your representative on XX/XX/XXXX and XX/XX/XXXX, instead of XX/XX/XXXX and XX/XX/XXXX XXXX. If you have read my CFPB complaint and other emails carefully, you should know that I submitted my application on XX/XX/XXXX and got manual approval on XX/XX/XXXX after the Citi customer rep called me and verified some information, she congratulated me for XXXX bonus at the end of conversation.
XXXX. After I received my new Citi AAdvantage card on XX/XX/XXXX, I called Citi customer service again to check what is the deadline for me to be eligible for this XXXX bonus offer, since I need to make {$3000.00} within the first 3 month, and I was told that the deadline is XX/XX/XXXX.
XXXX. I received my statement on XX/XX/XXXX, since I didnt get XXXX bonus miles, I called the Citi XXXX and customer rep told me that he didnt see the promotion code in my file, so I provided him with the invitation number XXXX. Please note, Citi representative didnt mention XXXX policy on XX/XX/XXXX call XXXX. XX/XX/XXXX call was the first time I was told that I was not eligible for XXXX bonus mile because of XXXX policy.
The recording of my interaction with you representatives on XX/XX/XXXX and XX/XX/XXXX should indicate that I was confirmed I was eligible for XXXX bonus as long as I spend $ XXXX before XX/XX/XXXX. Also, logically it is very obvious, XXXX. Without the confirmation from your customer rep on XX/XX/XXXX, I wont apply for this card, since I already have enough high-quality cards.
XXXX. If Citi rep had clearly told me XXXX new XXXX months policy on XX/XX/XXXX, I can wait until this XXXX to apply for this card, because I should be eligible for this card in this XXXX even with your new XXXX policy.
XXXX. Without the confirmation from your customer rep on XX/XX/XXXX, XXXX wont start to use this card. As you can see, I havent used this credit after XX/XX/XXXX dispute. If Citi customer rep has clearly told me I was not eligible for promotion, I wont even activate this credit card.
Trying to find new reason/excuse or repeat the misleading information in your response letter wont solve the problem. If you think the facts I listed above are not correct, you can clarify XXXX by XXXX. Otherwise, please answer my questions clearly XXXX by XXXX, which I have listed since XX/XX/XXXX : XXXX. Why XXXX bonus mile was on the top of the screen, with colorful big font size, and this new 48 month rule was put in the middle of nowhere fine print gray area?
XXXX. Normal rule for new card promotion is XXXX months for XXXX, Bank XXXX XXXX and XXXX XXXX. Citi used to have this XXXX month as well. Why Citi didnt let me know their rule is 48 months instead of XXXX months, before and during my Citi XXXX application process?
XXXX. A common practice is, if I am not eligible for XXXX promotion offer, I should be notified immediately with warnings like other banks do, before I submitting my application, so I can decide whether I still want to apply for that card. Citi didnt show any warning during my Citi XXXX application process. Why?
XXXX. I believe Citi database should be very powerful, and be able to figure out which client is eligible for this XXXX bonus offer. My question is, if Citi knows I am not eligible for this promotion, then why Citi still repeatedly sent me pre-selected invitation letters and emails, and invited me to apply for this credit card with enlarged XXXX and other my personal info on the top of first page?
XXXX. My application was not approved immediately, but approved on XX/XX/XXXX after the Citi customer rep called me and verified some information, and she congratulated me for XXXX bonus mile at the end of conversation. Why she didnt notify me that I am not eligible for XXXX bonus promotion at that time?
XXXX. After I received my new Citi AAdvantage card, I called Citi customer service again to check what is the deadline for me to be eligible for this XXXX bonus offer, since I need to make {$3000.00} within the first XXXX month, and I was told the deadline is XX/XX/XXXX. Why Citi customer service didnt tell me I am not eligible for XXXX bonus promotion at that time?
|
| 05/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/XXXX my debit was locked and I was alerted I needed to call and verify transactions on my account I gave a call to Citibank and verified myself and my account transactions and the block was lifted from the account. On XX/XX/XXXX I tried to use my card and my transaction declined I once again gave a call to citi banks customer service who notified me that there were no issues with my account and it XXXX have been the merchants system. I then proceeded to go into the branch located at XXXX XXXX XXXX XXXX XXXX IL. Where I was then told that there was an alert on my account and they could not service me they had to reach out to the XXXX XXXX department from then the XXXX department informed them that I had to wait on a letter in the mail. considering that this situation happened before just a few weeks earlier I informed them that I had never received the first letter in the mail and I waited XXXX weeks although I had received my bank statements and other correspondence just no letter with a reference number and I am now being put into a financial hardship because they are rejecting my bill payments. And I have no access to funds The department then told me there was nothing they could do and I must wait for the letter. I reached out to citibanks ethics department and XXXX team once again to get a resolution to the issue. I waited until XX/XX/XXXX no letter had been received I reached out to customer service where I spoke with XXXX different representatives who verified my identity as well as my phone number asked me about transactions on my account which I then verified and lifted the block on my account while I was on the phone with citi banks customer service I was able to use my card at a nervy gas station. On XX/XX/XXXX I attempted to use my card at a restaurant for food my card then declined I reached out to customer service again and was told that there was a block on my account they asked for my phone number I provided my number which is on my account they told me they were unable to verify my phone number and asked had I received a letter with a reference number I informed that that I had not received any letter with a reference number for this situation or the previous XXXX and I had just been verified on XX/XX/XXXX I was then told I had to wait for a reference letter and the call was disconnected. I reached out to citibanks XXXX office and spoke with a account analyst by the name of XXXX on XX/XX/XXXX who advised me that I needed to go in a branch with an id with my current address, a utility bill, and my debit card I explained that I recently moved to a new state so I have a temporary id she ensured me that was ok and to go into a branch with my verification documents to lift the block on the account and she will send the branch XXXX an email notifying them of the issue. XX/XX/XXXX I drove XXXX hours from Minnesota to Illinois and went to XXXX XXXX XXXX XXXX XXXX Illinois and provided my temporary Minnesota XXXX card, my passport, XXXX utility bills and presented my debit card the senior banker XXXX XXXX verified my identity verified my documents and then reached out to the fraud department she spoke with a fraud XXXX who had her scan and email the documents over the XXXX then asked me to verify transactions on my account which I did and then asked for my phone number to send me a XXXX time code which I provided and verified. The fraud XXXX then told myself and the banker to wait about an hour and have me return to the branch as the block would be lifted. I waited an hour and a half and proceeded back to the bank where I was told the block was still on the account. I then reached out to the citi banks XXXX team and spoke with account XXXX XXXX as him and XXXX worked together to resolve the account issue he told XXXX that she needed to notate my account stating that I had been verified and then give fraud a call and then the block would be lifted she explained to him that she had just spoken with fraud and verified everything and was told the block would be lifted XXXX then proceeded to note the account. While waiting for fraud to respond the bank XXXX took over the issue and also verified my identity and my documents I was then told by XXXX that fraud needed to review my documents and they werent sure how long it would take to lift the block on the account. XX/XX/XXXX I received an email saying that my account would be closed within XXXX days if I needed funds sooner I must call the number on the back of my card or go into the branch. I called customer service once again and explained to them that I had verified my identity in the branch and if they could close out the account so that my funds can be mailed to me they informed me that the account was under review and it takes XXXX days to close the account if I wanted the account closed sooner I can go into the branch and verify my identity and have them reach out to fraud. So again I returned to XXXX XXXX XXXX XXXX XXXX il and informed them what I had been told the bank XXXX reached out to fraud to assist with closing the account after informing fraud that my identity had been verified they then asked to speak with me and asked for my phone number which I provided they then told me they were unable to verify my phone number and couldnt verify my identity and proceeded to ask about the letter with a reference number that was still not received I explained that the letter had not been received and I was told to come into the branch I took all necessary measures I was told to do and verified my identity in person they then told me the account was under review and the couldnt close it because there was a block and I had to wait XXXX days to receive a check in the mail. Ive reached out to the XXXX office numerous times since then and now no one is returning my calls. This has created a complete financial hardship and I have now recieved a failure to pay and eviction notice from my apartment complex I cant pay any bills because I dont have access to any funds. I didnt commit any fraudulent activity on my account I verified my identity and account information countless times via phone and in person
|
| 08/08/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Citibank Experience Notes XX/XX/XXXX I was holding a large sum of money with my investment company waiting for stock market to go down and buy in. The funds had been there since around XXXX. This money was saved over 10 years from simply putting away my paycheck and also owning XXXX XXXX of rental properties that I had built myself. These properties were sold as pandemic took hold and I was on call again for my employer and working more. I couldnt really maintain the properties frequently as they got past 10 years old.
The market kept going up and interest began rising. Citibank offered % on their Accelerated Savings account. There was also a {$1500.00} bonus if you kept over XXXX funds in there for 90 days. I determined I would put up to a significant amount there since it is FDIC insured. I transferred money to Citibank from my investment account.
XX/XX/XXXX Opened Citibank account to draw some interest as the stock market seemed to continue to be high and the investment sweeps were yielding around XXXX interest. Citibank issues banking card which I put in my safe and locked the card online. I had no intention of using this account for anything but to hold money until the market corrected.
XX/XX/XXXX Transferred XXXX XXXX to Citibank XX/XX/XXXX Transferred XXXX to Citibank XX/XX/XXXX Transferred XXXX to Citibank Account fully funded XXXX XXXX XXXX XXXX Stock market was beginning to fall in correction territory. Felt like there were some bargains to be had. Possibly XXXX for good dividend stock. Possibly XXXX.
Citibank to Investment account XXXX ( XXXX ) to purchase securities when time was right Citibank to Investment XXXX ( XXXX ) to purchase securities when time was right -- -- -- - At this point I recognized Citibank only allows $ XXXX withdrawals per month. I was not happy about this so began considering closing the account. Other banks like XXXX or XXXX are not as restrictive with ACH transfers and I felt like this it was time to transfer the remaining XXXX from Citi back to an investment account and begin buying XXXX XXXX XXXX % ) and XXXX ( XXXX XXXX ) while the market was down.
I had also determined as home prices begin to correct, we began looking for retirement home in XXXX My better half and I had found a couple we liked, but putting a contract on one was impossible without closing this account if we went that route.
XXXX XXXX 3 hours on phone..no one could tell me why they could not close my account. Talked to various offshore persons..Call back in 24 hours. Gave mothers Maiden name, SSN, 2 factor authentication, etc.
XX/XX/XXXX 2 hours on phone. Again only that account had to sent to fraud team. Various offshore persons only to be told this time 48 business hours. I demanded someone who could tell me what data I needed to verify my account. They finally hung up on me.
XX/XX/XXXX I spoke with an executive at a local bank. He advised me to type up official document asking for account to be closed. It was notarized locally and I sent it to Citibank via certified mail. Citibank received the letter XXXX XXXX.
XX/XX/XXXX OCC ( Office of Currency Comptroller ) case was created. After doing some reading I determined that the OCC could benefit me on getting this resolved.
XX/XX/XXXX FDIC case created.
FDIC determined this action was under the authority of existing OCC case and closed FDIC case.
XX/XX/XXXX Called to see if Account had been closed. Spoke with offshore rep she said account had notes that it was scheduled to be closed. Then hung up.
XX/XX/XXXX Spoke with XXXX XXXX, executive office, XXXX XXXX XXXX stated the account was under review for XXXX days as it had been flagged as fraud. She said she was closing the XXXX complaint. She also said that during the investigation, no interest would be paid. Right now it is 1.01 % so that is around $ XXXX dollars. She stated my credit card of 15 years would also be closed as Citibank was terminating any banking relationship with me. I wanted to close anyway after having this experience with their terrible offshore teams. I wanted to no longer do business with Citibank myself so this was acceptable.
XXXX was kind but also stated the executive team had no control over the fraud team and the 30-60 days was non negotiable and inside the contract when the account was opened. XXXX stated the $ XXXX in my account would be held, and there would be no updates or communication with the Fraud Team .
I checked the OCC case and it is still under review.
I began looking for a local attorney that handles banking law.
XX/XX/XXXX Contacted my state senator. Got XXXX response.
XX/XX/XXXX Emailed XXXX XXXX CEO and XXXX XXXX -Chief of Staff of Citigroup executive team. Received canned email from Citibank executive response team.
XXXX XXXX XXXX with XXXX about the status of my account. She will talk with analyst to determine the status. XXXX is part of the executive committee.. She transferred me to XXXX who said she would have an answer to where the money is by XX/XX/XXXX. The account was closed XX/XX/XXXX. Emailed CEO back stating this was unacceptable as $ XXXX of my life savings has been unaccounted for since XX/XX/XXXX and no one knows where it is.
Spoke with a local property attorney ) suggested I call a banking attorney friend for a consultation.
XX/XX/XXXX Contacted another of my states senators. Received canned response.
Contacted my state congressman for my district. Received canned response.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX will be in my hands by XX/XX/XXXX Spoke with XXXX she determined the 60 days from XX/XX/XXXX would be XX/XX/XXXX. She spoke with another department and indicated the money would be in my hands no later than XX/XX/XXXX. I called the attorney and cancelled the XXXX consultation on XX/XX/XXXX based on this phone conversation.
XXXX XXXX No correspondence from Citi on when or if check will be mailed. Emailed XXXX asking for status of the check being sent by XX/XX/XXXX. Got canned response saying within 15 days I would get answer.
XXXX XXXX Opening case with Consumer Financial Protection and attempting to schedule new appointment with attorney.
|
| 09/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/XXXX, my Social Security Number was compromised, although I do not know how, and more than {$9000.00} in fraudulent charges were made to existing credit accounts, as well as new accounts opened or attempted. Between XX/XX/XXXX, several fraudulent purchases were made on both my XXXX XXXX and XXXX store cards via account lookup, with unauthorized use of my full Social Security Number and a fake ID. The purchases were made at two different stores in XXXX. Below is a list of all the unauthorized activity on my XXXX XXXX XXXX and XXXX store card since XX/XX/XXXX : Store : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( Phone : XXXX ).
5 charges for a total of {$1800.00} made on XX/XX/XXXX between XXXX : {$620.00} ( XXXX XXXX ) {$270.00} ( XXXX XXXX ) {$330.00} ( XXXX XXXX ) {$270.00} ( XXXX XXXX ) {$320.00} ( XXXX XXXX ) Store : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( Phone : XXXX ).
5 charges for a total of {$2000.00} made on XX/XX/XXXX : {$700.00} ( XXXX XXXX ) {$370.00} ( XXXX ) {$370.00} ( XXXX ) {$300.00} ( XXXX ) {$220.00} ( XXXX ) 1 return on XX/XX/XXXX : - {$370.00} ( XXXX XXXX ) My understanding from speaking with members of the XXXX Fraud Investigation team is that all charges on both my XXXX XXXX and XXXX Card were marked as " fraudulent, '' and that all credit agencies should have been notified to clear any charges, late fees, or delinquent/negative activity from my record. However, there is a balance of {$1400.00} remaining in a now delinquent account from XXXX 's that I believe has gone into collections.
Below is a detailed account of my interactions with the XXXX XXXX Fraud Department sinceXX/XX/XXXX : - On XX/XX/XXXX, I received e-receipts for several unauthorized charges on my XXXX XXXX account and called XXXX Customer Service ( XXXX ) initially to report the charges as fraudulent.
- I submitted a first Fraud Investigation Form via USPS ( delivered XX/XX/XXXX ) to Macys Fraud Investigation Department ( Phone : XXXX ).
- On XX/XX/XXXX, I received an e-receipt for a refund of {$370.00} to my XXXX XXXX for merchandise returned at the XXXX XXXX XXXX location.
- Also on XX/XX/XXXX, I spoke with XXXX at XXXX Fraud Department ( Phone : XXXX ) to go over the above transaction, and she informed me that additional unauthorized charges in the amount of {$700.00} ( XXXX ) and {$1200.00} ( XXXX store card ) took place at the XXXX XXXX location on XX/XX/XXXX.
- XXXX informed me that the {$700.00} was flagged in time and considered part of the first fraud claim I submitted on XX/XX/XXXX.
- XXXX sent me another Fraud Claim form to fill out and submit to clear up the {$1200.00}.
- I submitted a second fraud claim via XXXX on XX/XX/XXXX ( delivered XX/XX/XXXX ).
- I called XXXX Fraud on XX/XX/XXXX to follow up on my investigation status and spoke to XXXX. She informed me that a second fraud claim was never opened, nor was there any record of the Statement of Fraud I had sent on XX/XX/XXXX.
- I asked to speak to a supervisor and was put in touch with XXXX. She informed me that she would be expediting my case and that a new fraud investigation was opened on XX/XX/XXXX.
- I re-sent my second fraud claim documentation ( from XX/XX/XXXX ), along with a letter asking XXXX to expedite the processing of my new claim and to inform the credit bureaus that I was not responsible for the charges or delinquent on my payments. I have confirmation that this was delivered to XXXX via USPS on XX/XX/XXXX.
- After no follow up since XX/XX/XXXX, I called XXXX Fraud Investigation ( Phone : XXXX ) on XX/XX/XXXX to follow up on my claim status.
- On XX/XX/XXXX, XXXX ( the Fraud representative ) told me that although the {$1200.00} had been marked as fraudulent, the balance was incorrectly moved to another account, at which point the case was ultimately closed because the Fraud Investigator determined that no fraud took place.
- I informed him at this point that I would be contacting my attorney to clear up this issue, as these charges make my account appear delinquent on my credit report, and they are harming my credit score.
- XXXX put me on hold to get in touch with a manager, who would not get on the line with me. XXXX said that the way the case was handled did not make sense, and that the manager asked him to relay the message that the case would be escalated yet again, and that it may be 2 weeks-1 month before any updates were made. He said the issue was that since the account had moved to collections, XXXX no longer had access to it.
- On XX/XX/XXXX, I received a letter from XXXX Fraud Investigation saying that the second fraud inquiry was complete and all fraudulent charges would be removed, and the credit companies would be informed to remove any negative activity from my credit report.
- I called XXXX Fraud Investigation on XX/XX/XXXX to verify the status of my claims. I spoke to XXXX who said the account listed in the XX/XX/XXXXfraud claim letter is linked to the account which appears past due in collections. She said that the charges have been marked as fraudulent and the credit agencies notified.
- XXXX also said that XXXX put in a request to retrieve the account on XX/XX/XXXX. It will take 60 days to see the account XXXX out on XXXX end. XXXX also said that it will take another 60 days for the credit agencies to clear all negative activity.
- In XX/XX/XXXX, I sent XXXX XXXX a letter requesting a written account of all the activity pertaining to my identity theft. I never received a response.
- In XX/XX/XXXX, I sent a similar letter, again requesting a written account of all the activity related to these fraudulent charges. I still have not received a response.
- The delinquent balance remains on that XXXX XXXX card and is negatively impacting my credit.
One weekend of fraudulent activity has taken me over a year to clear up with XXXX. Other credit companies processed everything swiftly and smoothly, and within a month or two, all the negative activity was cleared. XXXX inability to properly process my fraud claims have negatively impacted my credit score, and other creditors have lowered my credit limits on my accounts.
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| 07/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My wife and I rented a car from XXXX XXXX located in XXXX, XXXX, CA on XXXX XXXX 2020 for 1 day. The representative at the counter told us we should take pictures of the car before renting because there were several customers disputing extra charges that the owner claimed were for damage to his cars. Our car was probably 10+ years old, with a lot of dents and scratches all over the car, as can be seen in the photos. When we returned the car, no one was at the office so we called and the owner said take the car back to our hotel and the rep would come pick the car up. 3 hours later she came and got the car. An hour after that she called and said the owner ( who was out of town ) said the car had a scratch on it ( how did he know this? ). She drove the car back to our hotel and showed us a white mark on a place on the car that somehow neither she nor we had captured in our photos. We took a photo of the white mark ( image # XXXX ).
He never contacted us again regarding this issue. A month later I contacted Citi because the {$500.00} deposit had not been refunded, and called XXXX, the owner of XXXX XXXX XXXX XXXX. He said " You scratched my car! '' I asked whether he had any intention of contacting us or was he just thinking he'd keep the deposit with no communication to us, and that we did not scratch his car. He ended up screaming at me and hanging up on me ; at which point I wrote an email to him, and contacted Citi. Citi told me to cancel the card and start the dispute process, and gave me the direct phone number to the Dispute department ( XXXX ) and the disput ID # XXXX XXXX. Please see the attached email chain between XXXX and myself - there is more information on our experience with his rep and himself. Basically I wrote that a ) we did n't drive near anything that would have made at " scratch '' in that area of the car, b ) the car had scratches and dents all over car, none of which had been repaired, c ) the representative picked up the car from us and drove the 3 miles back to the rental office, the 3 miles back to our hotel, and d ) the contract declared normal wear and tear being included in the rental price and that the scratch was barely visible compared to all of the other damage to the car. He replied by asking for my credit card information!
To my mind this is ridiculous that he even tried to charge us - the " damage '' was probably there when we rented the car, or the rep might have done it on the way back when she had possession of the car ; there is absolutely no way that we could be deemed responsible and charged for this.
There are 20 photos in all, with # XXXX being the one my partner took when the rep drove the car the 3 miles back to our hotel to show us the " damage '' he was claiming we did. Again, he wasn't even in the locality, and we never spoke to him, only through the rep. He never supplied an invoice or bill for the extra charges.
I contacted CitiI contacted Citi a month after submitting the dispute. I spoke to " XXXX XX/XX/XXXX at XXXX pm, who told me there was " no direct phone number for billing disputes, but she could connect me '' ; I was hold for 25 minutes then was disconnected. I called the Dispute line again and spoke to " XXXX '' who had no idea what XXXX had been talking about re the Dispute phone number. She told me the dispute had been filed in the wrong department and would be re-filed. I then sent the ( attached below ) files, emails, photos, and statements clearly outlining the events on XX/XX/XXXX2020. I received an email form Citi on XX/XX/XXXX thanking me for sending the dispute details, and that they would be in touch if any other information was needed for their investigation.
I received a letter for Citi on XX/XX/XXXX stating " the case had been decided and the payment was being awarded back to XXXX XXXX XXXX Rentals, with no further explanation. I called Citi on XX/XX/XXXX and spoke to " XXXX '' at XXXX XXXX. She told me Citi hadn't looked at any of the evidence, that if a merchant " disputes the dispute then it is automatically reversed back to them, and I could appeal the decision by sending in the supplied letter signed and dated ''. EXPRESSLY stated in that letter was to NOT send any documents with the letter, but to send all my documents separately. I asked XXXX why they didn't even look at what I'd sent before making a decision, and why I'd need to re-send documents to the same address I had already sent them to. She put me on hold to speak to a supervisor and came back saying she could " open the documents and see everything, and I did NOT need to re-send anything ''. She told me Citi would be in touch with me if they needed any more information for their investigation. I received an email form Citi on XX/XX/XXXX thanking me again for my submission of the dispute details.
On XX/XX/XXXX I received a letter form Citi stating " We received your response ; however, the letter is only signed and dated. Since the letter you returned is incomplete as a result, we have no further means to assist you in this dispute ... we now consider this investigation complete '', and I owe the amount fraudulently charged by XXXX XXXX XXXX to Citi.
The word " incompetent '' describes for me the entire response of several departments and representatives of Citi. The obvious facts and evidence regarding this fraud that I sent to Citi was never even looked at. XXXX XXXX Rentals never supplied an invoice or receipt or any other communications defending their keeping of my deposit. The pictures of the car show multiple scratches and dents all over the car that had never been repaired. The employee working there told us to take pictures of the entire car because several other renters were disputing what they said were false charges the owner was attempting to charge for damages! His own employee told us this.
I would like Citi to credit my account for the fraudulent charges, as they should have done months ago - there motto is " Citi is at your side before, during and after every purchase ''. I disagree, and just want them to credit my account for the fraudulent charges they are refusing to investigate competently.
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| 05/29/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a checking account online on XX/XX/2019 and on XX/XX/2019 I went into a branch to deposit a check from my insurance company in the amount of {$2100.00}. The check cleared on XX/XX/2019 and the funds were available for me to withdraw. I logged into my account through the Citibank website and used their wire option to have {$2000.00} wired from my account into my step-mother 's account. I received an secured message from Citibank informing me that I needed to call them to verify some information before the wire transfer could be processed. The message said I could call 24/7 to resolve the delay. I called the number I was provided and was told my account was being handled by their " Special Investigations Department '' and that I would need to call back during regular business hours. On XX/XX/2019, I called in the morning as instructed. After speaking to a representative, I was told I needed to speak to a different department, so I was placed on hold and then transferred. The representative I was transferred to collected my account information, placed me on hold, and told me that my account was being handled by another department and that she was going to have to transfer me again. I was transferred to another department, spoke to the representative and gave him my information and I was placed on hold. The representative told me that I needed to speak to a different department regarding the matter, but that I would have to call back during regular business hours because the department was not open on weekends. Later that afternoon, I received another secured message advising me that my new debit card was mailed out to my address. A debit card had already been mailed out on XX/XX/2019, so I was confused as to why another debit card was being mailed out. I called customer service to inquire but was told I needed to verify my account. I provided all of my account information, including social security number, account number, last 4 digits of debit card, debit card pin number, mother 's maiden name, etc. The representative informed me that in order to be verified for my account they would need to send me a code to my cell phone. The representative informed me that they could not send a code to the cell phone number I provided. The representative transferred me to another department to see if there was a possible way and I could be verified another way. When I spoke to that representative they asked me if I could provide them with another cell phone number that they could try to send the code to, I provided two more additional cell phone numbers but was told they could not verify it. I was asked to provide another cell phone number if I could, and so I did, but again I was told that they could not verify it. The representative told me that she was going to call me back on the landline phone number associated with my account to verify me that way. I did not understand that because we were already talking on the landline phone associated with my account. I waited for the representative to contact me back and she did, but she informed me that she could not verify me because my phone needed to be in my name. If I would have known that I needed to have a phone in my name in order to have any access to my checking account, I would have made sure I had one before applying for a checking account with Citibank. When I applied for the checking account with Citibank, the requirements did not say anything about customers needing to have a phone in their own name. Obviously that was not a requirement otherwise Citibank would not have opened my account. Since I did not have a phone that was under my name, they said I could not be verified and I was blocked from accessing my account. Before the close of the day, I contacted Citibank again because I was in need of my funds and I didn't want to wait until after Sunday and the XXXX holiday to try and get access to my account. The representative told me that she was going to verify me for my account by asking me several different questions for me to verify my identity. Each question I was asked regarding my identity was in the form of multiple choice questions. I answered all of the questions correctly and verified my identity. Since I verified everything successfully, the representative told me she was going to transfer my call to get a one-time verification code for my account and have the blocks on my account removed, but when she transferred me, the representative she transferred me to informed me that I could not be verified for my account just because I successfully answered the identification verification questions. I was told I could not be verified for my account any further. Frustrated, I called Citibank back again to speak with a supervisor, but the representative I spoke with told me that I had been verified for my account and that the block alerts that were on my account had been removed, so I never requested to speak to a supervisor. I logged into my account online and re-requested the wire transfer like I had done before for the {$2000.00}. As soon as I made the request my account was blocked again. I contacted Citibank and was told I could not be verified for my account and therefore could not access my account, my online account access had also been blocked. I was told that I could not make wire transfer transactions on my account and that I would need to wait to receive my ATM/debit card in the mail to withdraw funds in my account. On XX/XX/2019, I received my ATM/debit card in the mail. I called Citibank and spoke to a representative to activate the card so I could access my funds. The representative activated my card and told me that my funds were available for access. I went to the ATM, but it would not let me withdraw funds and it instructed me to call customer service. I called customer service and was told that my account was under review and that I would have to wait to receive either a phone call or an email message from them letting me know when they're done with their review. I am being treated very unfairly and have been denied access to the funds in my account since XX/XX/2019.
|
| 09/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I currently have a conventional fixed mortgage with CitiMortagage, and I 've never missed a payment, I 've always made on time payments. However, I recently was impacted by the hurricane in Florida and I 've been struggling to find the best course of action. Then as I logged onto Citi mortgage, there was a link for hurricane victims to get mortgage assistance, I was very thankful! In short, I called into Citi and multiple options were presented to me, such as 1. Up to 6 months of suspended payments with a balloon payment of the months taken due of approximately {$10000.00} due at once if I took the 6 months 2. Up to 6 months of suspended payments, and restructure the loan at the end of the 6 months 3. Up to 6 months of suspended payments and moving the suspended 6 months of payments to the end of the loan.
In speaking with the multiple agents throughout the process, I expressed my concern with the first two options being that the I would not be able to afford to make a lump sum payment at once in a regular circumstance, especially not now after a disaster and because I have a 1.6 % interest rate, restructuring the loan would cause me to lose my interest rate.
I then asked for the third assistance option, which I believed to be the best option for a hurricane relief and I was informed that all of my notes were put into the system and I would need to be forwarded to another mortgage specialist. The next day another specialist called me and stated that the 3rd option to put the payments on the back of the loan was unavailable and I only had the first two options, I expressed my concern and he stated " I understand your concern but maybe you should look at doing a hardship request with your 401k to get the necessary money for the hurricane repairs if you do not want your loan restructured '' I declined to do this and thanked him for helping me. That night I went home and prayed and called back again, speaking with another agent and she informed me that all 3 options were in fact available for hurricane relief and that she would update my account, in updating my account one of the questions was if one of the borrowers on the loan served in the military, and when I resonded yes, she says " we have additional options for disaster relief for military however I will have to transfer you to that department '' I expressed my concern in being transferred especially because the last mortgage specialist did not honor one of the options and she told me not to worry that she had put all of the notes in the system. The following day I received another call from a mortgage specialist and he informed me that the 3rd option did not exist, again with my concern in knowing that two mortgage specialist informed me that I could move the 6 months of suspended payments to the back end of the loan, I asked for a supervisor. The supervisor then informed me that the 3rd option was available, but only to certain customers. I asked him to further explain.. He stated that my Mortgage loan was funded through a " Citi Bank Portfolio Investor Loan '' and they only offered the first two options to these type of customers, this was my first time hearing of this so I asked for documentation. He stated that he could not provide any documentation, only verbal confirmation. I was then transferred to another supervisor because I believed that any information that is on my account should be given to me in writing if requested, now in customer service and explained everything above.. She then stated to me that she was unsure of any stipulations mentioned to me and that any mortgage assistance available to all customers that I should be granted the assistance and she did not understand why I was forwarded to her because Citi owned my loan. She then further explained that I needed to take up my concerns with the supervisor in mortgage assistance, I was then transferred back to a supervisor in mortgage assistance, now to a different supervisor than before " XXXX -Account Manager Mortage Assistance ID : XXXX and explained everything to her and she explained to me that she could have a letter mailed to me stating that I had a " Citibank portfolio investor loan '' but she could not send me anything stating that I did not qualify for the 3rd option.. She then stated to me that I would need to pick one of the two options available to me, I then asked for her direct supervisor, " XXXX - Unit Manager Escalation ID : XXXX and she explained to me again the same thing but stated that it was not in her power to provide any documentation to me stating all of the mortgage assistance options for the hurricane or documentation stating that Citi provided select hurricane relief to certain customers, or why my loan is now a " investor broker loan '' and that was not stated in my closing documents. She then stated that sometimes closing documents do not provide as such information. Again being skeptical of this process and my belief that the company was intentionally withholding aid to me a hurricane relief victim in an effort for me to restructure my loan and lose my interest rate, I asked to be escalated further. She then informed me yesterday, XX/XX/17 that a member of the Executive Response Unit Team would be contacting me next week. I had a little bit of relief, until I began to research the company and found that in XX/XX/XXXX, CFPB Director XXXX XXXX issued a release stating that Citi Mortgage intentionally kept customers in the dark about mortgage options or were burdened with excessive paperwork and I too believe that this is happening to me. In the wake of a major hurricane and attempting to make steps in the right direction, I am asking for assistance from my mortgage company, the same assistance afforded to everyone else and if not, written documentation stating that this will not be afforded to me detailing the reasons. Even if I can not be helped, I hope that this will somehow find the level of management that can ensure that correct business practices are implemented to help hurricane victims, not trap them into restructuring their loan to increase their interest rate. Thank you.
|
| 01/09/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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BACKGROUND OF LOAN : The subject loan was a Home Equity Line of Credit issued by Citibank. Loan Number : XXXX It was in the amount of {$640000.00} with a starting rate of 8.25 %. The Closing Date of the loan was XXXX XXXX, XXXX.
The loan was an Interest Only Payment loan for the first 10 years. After 10 years, the loan would reset. When it reset, the loan would become a Fully Amortizing Loan, with payments of principal and interest required.
In XXXX of XXXX, Borrower : XXXX was notified by letter that the loan was resetting. The monthly payment on the loan would increase effective XXXX XXXX, XXXX, to {$4400.00}, from the previous payment amount of {$1700.00}. XXXX realized that he would be unable to make the new payment and would face defaulting on the loan. In XXXX XXXX, he contacted Citibank about workout options so as to not default on the loan and initiated a hardship request.
XXXX XXXX, XXXX, a letter was mailed to XXXX from Citibank acknowledging receipt of his hardship request. He was advised of numerous options, none of which mentioned loan modification or settlement possibilities. At the time, he was also advised that his application was incomplete and documents would be needed.
In XXXX, XXXX enlisted the aid of XXXX XXXX to assist him in working with Citibank to achieve a workout resolution in the form of a Settlement Offer to pay off the loan.
On XXXX XXXX, XXXX, an RMA Residential Mortgage Application was sent to Citibank consisting of 257 pages. The documents would allow Citibank to make a decision on whether to accept a Settlement Offer, or offer another type of workout solution.
On XXXX XXXX, XXXX, Citibank had the property appraised. It had a value of {>= $1,000,000}, far in excess of what was owed on the first and second on the property.
On XXXX XXXX, XXXX, XXXX was sent a Letter of Denial of the Settlement Offer. He was advised that the offer was denied due to the large amount of equity on the property. The only option provided to him was to payoff the loan. It was not processed for other loan workout options, and the loan modification option was denied due to HTI Ratio pertaining to his 1st lien of which borrower was approved for hardship loan modification with that mortgage servicer, XXXX XXXX XXXX based on the same hardship.
Since XXXX XXXX, XXXX, XXXX and XXXX have engaged Citibank on a continuous basis attempting to negotiate a loan modification. Every step of the way, they have met with delays that has caused XXXX to fall further behind on the amount owed on the property. He now faces the prospect of foreclosure on the property. This matter has not been discussed at this time. The denial reason is also inaccurate under the guidelines of Citi 's Supplemental 2nd Lien program requirements that are not specific nor is the ( HTI ) Ratio, Housing to Income as it pertains to the 1st mortgage lien.
The transparency of Citis efforts to delay, mis-represent, mis-communicate and deny this 2nd lien modification approval is solely based on the Equity of the property and Citis decision to reach a Foreclosure option based on the 10 months of non-payment while undergoing the loan modification review process in expectation that any delinquent payments experienced under this home preservation option would be deferred. The borrower was lead to believe that Citi would assist this borrower, by attempting to lower his monthly mortgage payments through a Loan Modification Review. It has been 13 months since Citi was engaged in the request for mortgage assistance. All Financial Packages were submitted in compliance with every request and in timely manner over ( 1 ) one year of effort.
XXXX XXXX XXXX, CEO of the Citi Group was emailed on 3 separate occasions, informing him of the egregious nature of mis-conduct in the processing of this request for a loan modification. XXXX XXXX was also informed that in XXXX, Citi was attempting to Wrongfully foreclose on this property alleging 9 years of non-homeowners insurance payments, of which were dismissed only 2 days prior to the foreclosure sale date as all payment recipes of such home owners insurance payments were provided for verification of these payments being made by the borrower.
At this time, Citi is showing a " Pattern '' of foreclosure attempts on this loan. The mis-conduct of the servicing and processing of this loan and it 's financial documents have repeatedly been subject to never have been delivered. All emails for 13 months can be provided for verification of this mis-conduct.
A Formal Letter of Appeal was issued to Citi Mortgage today as this Complaint is being filed to the CFPB. The Appeal letter is required to be submitted 30 days from the day of the Denial letter of XXXX/XXXX/XXXX. Due to the emails that were submitted to XXXX XXXX XXXX of the Citi Group, it is suspected that XXXX XXXX requested another reconsideration of the approval of this loan modification, and in ( 1 ) one day, the reconsideration was denied again?
All email copies to XXXX XXXX and to Citi banks Single Points of Contact can be submitted upon request for verification.
Summary Review of the documents provided for the XXXX loss mitigation process reveals that Citibank has engaged in conduct that fails to follow CFPB rules and guidelines for engaging in loss mitigation practices. The failure to properly process the loan for modification opens Citibank up for liability under various different legal theories as cited under the COMPLIANCE ISSUES UNDER THE CFPB.
Citibank has been recognized to have engaged in such practices over the years, and has been severely reprimanded by both the DOJ and the CFPB for amounts in the billions of dollars. Yet, Citibank continues to engage in such practices, without concern for the outcome to the consumer who has a mortgage loan with them.
Included are 5 attachments : 1. - Citi Denail Letter # 1 2. - Citi Denial Letter # 2 3. - Letter of Appeal to Citi from Borrower " XXXX '' 4. - Letter to President Donald Trump and cc : copy to Acting Director of CFPB XXXX XXXX XXXX.
5. - Email copies submitted to XXXX XXXX XXXX XXXX, CEO of the Citi Group
|
| 04/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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We would like to keep our home and have the means to pay on a refinance.
Our mortgage loan matured XX/XX/XXXX. A balloon payment came due. I tried to refinance with XXXX XXXX earlier in the year ( about XX/XX/XXXX ), however due to self-employment my prior year income was not favorable for a refinance.
History : In XX/XX/XXXX we secured through a broker the initial mortgage that was an 80/20 so we wouldn't have to pay mortgage insurance and we didn't have enough to put down 20 %. The amount financed was {$150000.00} dollars. We paid the monthly payment of {$1300.00} on time for 15 years until the balloon came due. The balance for the balloon was about {$120000.00}. The attempts to get a loan modification started in XX/XX/XXXX. We were repeatedly asked for financial statements and hardship documents to which we always complied and then more documents were requested. Many times the information was redundant in nature. We have all the documents and chronology for requests and responses. We felt we were racing against the clock to find a resolution. The requests for loan modification were made with both lenders. Citimortgage holds the 80 % and XXXX XXXX held the 20 %. Both entities were making similar requests and we were complying. The back and forth of requests and document provision took us past the maturation date of the mortgages. In XX/XX/XXXX we sent our usual mortgage payment to each of the entities. Citimortgage cut a check and sent it back to us and communicated the only payment they could receive was payment in full of the {$93000.00} and change. We received a letter that was dated for XX/XX/XXXX to that effect. The next paragraph states, Since your loan has already matured, the failure to pay the remaining balance in full or make payment arrangements will result in our reviewing all options under the Mortgage or Deed of Trust to pursue payment in full.
XXXX XXXX didnt send the payment back. They told us the payments would go into a suspense account and be held, but would not be applied to the payment of the mortgage. We chose not to send more payments to them under those pretenses.
After the mortgages matured we still worked in earnest to get a loan modification that would help us to keep our home. Every time they called they would ask if we were still living in the home and maintaining it. I consistently told them our desire was to stay in the home. Frequently I would ask about refinancing.
I think it was the 3rd month after not paying that our credit score began to drop. Before the balloon my score was XXXX. It is now XXXX. Then we began to get calls telling me that we were behind on our payments. I would explain they wouldnt take our payment. They would then look further into the account and see that the loans had matured and end the call.
Through this process I tried multiple times to go through the refinance discussion, but as soon as they plugged in the credit check they would tell me they were unable to do anything. When I inquired about sitting before a live person and explaining our situation I was told that government regulations tied their hands and they were unable to accommodate even under extenuating circumstances.
All examples going forward are about Citimortgage primarily. We settled with XXXX XXXX early this month.
After months of document requests, of which many were redundant, we received a letter ( XX/XX/XXXX ) of congratulations that we had been approved for a loan modification that involved a trial period under the Citi Supplemental Modification Program. The monthly payments were going to be {$4900.00}. Our monthly payment to Citi for the last 15 years was {$1100.00}. There was no possible way we could meet this payment. It was in conjunction with the XXXX XXXX expected payment that was just shy of {$2000.00} per month. ( Meanwhile the day prior we received a letter that told us under certain conditions we were approved for a short sale. That was interesting because they knew we had equity in the house because in XX/XX/XXXX they had our house appraised and it came in at {$160000.00}. ) I called to ask why it was so high and they stated it was based on 31 % of my gross income. My income was reported to be {$12000.00} per month. I told XXXX XXXX that was not correct. My income was being reported 50 % more than it was. I sent an appeal letter dated XX/XX/XXXX that explained that 2 of the income considerations no longer existed.
The appeal went nowhere and on XX/XX/XXXX we received a letter telling us we were denied for Mortgage Assistance as a result of us not accepting the trial period for the {$4900.00} payments.
Meanwhile, the calls still came that stated we were delinquent on our payments. The latest call was within this last week telling me we were delinquent of our monthly payments for a total amount of {$11000.00} and change which would have been the amount if we had been paying our usual mortgage payment.
We received a letter that is dated XX/XX/XXXX that gives a tally of delinquent payments since XX/XX/XXXX. With each month these are the subsequent totals it shows per month : Payment due XX/XX/XXXX {$5500.00}, Payment due XX/XX/XXXX {$6600.00}, Payment due XX/XX/XXXX {$7700.00}, Payment due XX/XX/XXXX {$8800.00}, Payment due XX/XX/XXXX {$99000.00}, and Payment due XX/XX/XXXX {$99000.00}.
Letter dated XX/XX/XXXX stated that our property may be referred to foreclosure after 14 days from the date of the letter.
Letter dated XX/XX/XXXX we received a letter that referred us to options for Foreclosure Prevention Counseling.
Here we are today on the cusp of foreclosure. I visited the XXXX County Community Action Program and it was suggested I reach out to you.
This is only a brief summary of everything that has occurred the last 10+ months. There is much more, but I am hoping this synopsis is enough to give the jest of our story.
Bottom line, we want to keep our home and stay in our home. Our hope is that a refinance can be done for the outstanding amount ( That increased almost {$8000.00} in the last 11 months ).
Thank you for your help and consideration.
XXXX and XXXX XXXX
|
| 07/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Before my trip on past XX/XX/XXXX, I've called Citi and spoke to a few agents and notified theme about my trip abroad to XXXX and XXXX Those agents seem included the alerts under my Citibank account and at that moment seems I was good to go and use my card abroad - that is literally what they expressed verbally over the phone By the way, all calls are monitored and recorded : ) I was very concise during my call to Citibank before my take off to XXXX for example, I have asked not to block my cards abroad as I'll be using this card and this precise account as troop support for me, food, taxis, work lunches, etc.
Citibank confirmed that they will not block my card only if I will request that If I recognize any suspicious activity on my account Here the nightmare starts I left the US on XXXX the XXXX to XXXX After a few days abroad I have got an online message on my account that for some unknown reason at least to me Citi decided to send me new cards to my addresses in XXXX I have surprised because the expiration on my card at that moment was ok and good to go till XXXX year XXXX And I have surprised with this action from the bank them knowing that I am abroad and that I just simply can't clone myself be in XXXX to get their new card and be at the same time in XXXX Any way The card that I had physically with me in XXXX and again with an expiration date on XX/XX/XXXX worked fine during a certain period, days while I am still abroad Then approx on XX/XX/XXXX I have taken a taxi cab from XXXX XXXX to the Hotel and I just saw a small insignificant charge on the same taxi cab company and I have called to the bank and expressed my concern saying that it's a small extra charge probably made by the taxi cab company by the error and also I don't mind that they probably did by the error and the charge it's super small and insignificant.
And again I have expressed to many customer support agents and to their supervisors that I need my card to be active and in plain English expressing telling them Please do not touch my account and do not block my card But seems they not following their client 's requests at all Did automatically did something opposite and they - Blocked My Card and all access to even leaving me without possibility to withdraw cash from ATM - Abroad I have spent hours and hours calling wasting my time from XXXX and trying to reactivate my card.
Spoke to more than 10 different agents who was unable to reactivate my card spend hours in absolute anxiety and stress that they created during my important biz trip Then after walking like in the jungle during the night with all these nonsense time-wasting roaming calls. I finally found two different supervisors who convinced me to receive a new card to my hotel room in XXXX Before that, I already spend like a week without any idea how I ll be paying for my food, transportation, biz lunches, etc, etc Zero possibility to get cash from ATM They left me practically in the XXXX Hotel room disconnected and they cut all accessories to my money and my account without any reason They decided to send me their new cards and chase me all around the globe So which they did They send me a new card via XXXX and it took around 5 days to wait for the new card And because they didnt leave precise instructions to XXXX - let 's say juts simply leave the package in my room Because of their incompetence, The package was returned to XXXX offices far away from the center of XXXX And I have forced to find my new card chasing delivery tracks and rescheduling pick up of the package all around the city only that took me an entire day In parallel, I finally was able to reach Citi Bank already executive offices or how they called Citi Executive Response Unit Explaining an outrageous act against my time, and life abroad an entire mess that they are created with their blocks and their new cards flying around the world and chasing me in different countries Agent - XXXX, XXXX XXXX she created finally a specific case number and they finally started after more than 12 days of me leaving in XXXX taking serious my case Case number XXXX Case XXXX Her direct Info XXXX XXXX XXXX XXXX Case Researcher | Citibank XXXX XXXX XXXX Citibank XXXX XXXX | XXXX Citibank XXXX, XXXX XXXX, TX XXXX | ( : XXXX XXXX : XXXX | * : XXXX XXXX She finally got to the point and she seems understood absolute disaster and waste of time that includes biz lunches canceled, I was unable even to take a bus around the city, some friend helped me with cash in XXXX meanwhile I am struggling with this nonsense created by Citi bank Also non-necessary expenses like extending my stay in the hotel to wait for Citi new card - insanity After speaking to XXXX - I have requested at least to compensate me for those unnecessary expenses and waste of time stress that they generated Their response was a classic we apologize and unfortunately, we not obligated to compensate you for what we the Citibank!!! - caused during your trip That it's not all : ) Insanity follows Finally, I v got their new card in XXXX and was able to activate and use it for just a few days And guess what they locked that new card again : ) I have called and spoke directly to XXXX already who decided to handle my case and again waste of time hours seating and talking to the fraud prevention department twice they locked a new card twice again For every donut every bottle of water, every taxi cab the locking my card abroad They created an absolute mess in my biz meeting, my time, created huge stress and anxiety, I have wasted hours and hours to resolve the issues That again was not created by me it's their inner system works fault They locked access to my funds without my permission or knowledge And they should pay for the consequences Attaching a pdf doc that I have recently got from theme All tel calls are recorded where you can hear my desperate voice trying to resolve an issue that ruined my biz trip I have more emails from them as well All activities are recorded n my online account Hope you can help me to resolve this matter This a million for you time XXXX V T XXXX XXXX XXXX
|
| 03/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/XXXX hurricane Irma hit South Florida. I was one of the many affected by her wrath. In addition to the huge expense she cost my family with the lack of power communication and small damages, and husband not working, she was kind enough to destroy my roof in the one section of my house and causing some leakage in other areas. I filed for FEMA aide right away and was denied for reasons that I still don't understand? I also put a claim in with my insurance company on the roof and hired a public adjuster which as of today we still have no settlement. Anyway, That same week the word was out that citi mortgage was allowing victims of hurricane Irma a forbearance program to help out with the damages and expenses. Well it didnt help me out its caused more damage that I will soon explain to you.
I was assigned to XXXX XXXX and as my loan consultant for the-disaster relief program at Citi, she explained how The program worked and what was expected of me and I agreed. I had until XX/XX/XXXX to make sure the forbearance was paid in full.
By beginning XX/XX/XXXX I still had no idea how long it was going to take for the adjusters to come to an agreement on the value of my roof damage and my husband and I already had plans and with the XXXX Of XXXX to renovate our property and we received the master permit. So we contacted XXXX XXXX XXXX XXXX the last week of XX/XX/XXXX and started moving forward on an FHA XXXX loan to repair damages and make our improvements to our home. Obviously with the refi theres a pay off and in that pay off are the two forbearance payments that We decided to skip. Plenty of time to get this done right? Citi gets their money we get our roof fixed and our property renovated, everybody wins! Well thats not what happened. We got a conditional clear to close on XX/XX/XXXX and it was like pulling teeth to get citi mortgage to give us the information needed for underwriting with our new lender to explain the forbearance program. I had numerous calls appointments made and emails into the new loan consultant that I was assigned to XXXX XXXX, but unfortunately did not get what I needed to close my loan for the month of XXXX. After numerous complaints and hours upon hours on the phone with Citi mortgage, I finally started making headway. XXXX and I finally had a phone conversation and the plan was to close at the end of XXXX. Well My underwriters again needed more information on this forbearance program and again I was attempting to communicate with XXXX via email and phone to get what underwriting needed but was getting no response AGAIN. I have the documentation supporting this. So, Because we were getting no response from citi mortgage, I was asked by underwriting to do a three-way call with XXXX and citi to verify my loan status. They asked if I was current and if I was in a Federal disaster relief forbearance program. The results XXXX confirmed ARE that I was current on my mortgage in a forbearance program and that it needed to be satisfied by XX/XX/XXXX. This was at the end of XXXX. After that, all of my conditions had been satisfied with Underwriting. We were waiting for word from underwriting on a clear to close. However on XX/XX/XXXX, I was informed we would have to do another credit pull for underwriting because my credit report had expired because this had dragged out for so long. It was then we discovered citi mortgage reported me 60 days behind, it was the two forbearance payments. I made XXXX XXXX and XXXX payments? Citi mortgage Marked me, a disaster VICTIM, 60 days behind ruining my credit score, ruining the closing of my loan and ruining the interest rate lock that I have been promised. In addition to the cost incurred to get this FHA XXXX loan and permits to move forward on my house Etc.
Then the verbal and email apologies came from Citi ... I have email upon email from citi mortgage and XXXX XXXX stating this was an accident on their part and my forbearance case was closed out accidentally because XXXX was on leave due to his wife being sick with XXXX. Citi records their calls and Im sure they have recorded apology upon apology from the upper management team saying theyre sorry. However, they are refusing to get me a letter from the citi stating they made a mistake so I can provide that underwriting and we can rapid rescore my credit so I can close on my loan. Ive asked that this be corrected right away. I am not getting anywhere with any of the staff at Citi and it is their admitted MISTAKE?? I need the 60 day late reporting to the credit bureaus removed? I need an extension on the forbearance protecting me from any more late reporting and foreclosure however, I was told by an attorney that lenders arent supposed to be collecting this money and if youre in a federal disaster relief program any deferred payments are supposed to roll to the back of the loan. I need to close the new loan in XXXX and really need this mistake spelled-out on citi letterhead stating that up until XX/XX/XXXX, I was current on my mortgage minus the two forbearance payments missed and that I am a good customer and in a federal disaster relief program? This mistake Citi mortgage has made has caused me serious damages and no one wants to help me other than XXXX and a couple of his managers but the executive higher-ups are refusing to give me the letter I need to close on this loan. Now Im getting a default letters?? Everyone makes mistakes but with the documentation that I have over the course of the last month, Citi Has truly dropped the ball and I would rather get this resolved then go through a nasty court battle. Prior to this incident, Ive never had a late mortgage payment in my life and I had excellent credit. Im also looking at a different interest-rate so monetary damages need to be paid for this over the life of my 30 year loan. Is there anyway you can help me? I Cant be the only person this is happening to. If you have any questions please feel free to call me. I have documentation supporting all of this.
With gratitude for your help, Disgruntled CITI mortgage customer and Hurricane Irma Victim
|
| 09/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I reserved and paid for a short-term rental property through the XXXX platform for XXXX XXXX, XXXX We were having a family celebration for which all of us were driving hours to reach the secluded luxury home. Upon check-in on XX/XX/XXXX, we were met with an overwhelming sewage stench and immediately reached out to the host. After hours of hanging around outside ( because the smell was so bad ), acting in good faith that there would be a resolution, they did not resolve the issue and we were not able to stay.
This was not a matter of us changing our minds or not showing up. If we had been a no-show, there would have at least been a one-night fee with a refund of the rest. We showed up for our reservation but could not stay because of the sewage stench. We showed up but could not stay because of the hosts misrepresentation and neglect to provide what had been promised. I made attempts to resolve the issue and gave them opportunities to resolve the dispute. Documentation of all communications is attached below. I requested a full refund of {$1800.00}.
There is no way for us to document a smell other than contacting the host which we did immediately on check-in. During a phone call on XX/XX/XXXX, the host told us that they sent someone out the day after we left ( XX/XX/XXXX ) and that there was no smell. Why did they not send someone out when we contacted them upon check-in? Why were there spray cans of air freshener? Why was there an air filter/purifier positioned at the entrance to the lower level? Why would I and other family members drive hours just to turn around and leave?
After multiple attempts with the host ( XXXX XXXX XXXX ) and XXXX there was no resolution and no willingness to provide a refund of any amount. XX/XX/XXXX- I filed a dispute on the charge with my Citi VISA. XX/XX/XXXX I provided detailed documentation to Citi VISA, including screenshots of all communication. XX/XX/XXXX Citi VISA requested additional information. Though I had already provided lengthy documentation, I set to work to compile even more information. Only 5 days later on XX/XX/XXXX, before I had an opportunity to send the requested " additional information, '' I received notification from Citi VISA stating that they decided I was responsible for the charge.
-- Our reservation was for XXXX XXXX.
-- We were informed a few days before our trip that there was an issue with the bottom level of the house, and we would not have access. We found out later that there had been a burst pipeso they knew about the issue before we arrived.
-- We showed up for our reservation in good faith that what we paid for was what we had been promised. We made good-faith efforts to resolve the issue for a few hours once we arrived. All of our family members were driving hours to gather together. We showed up in good faith and the host clearly did not deliver what they promised.
-- XX/XX/XXXX- When we arrived for check-in at XXXX XXXX, we immediately called the host because there was a horrible sewage stench. There were multiple spray cans of air freshener and positioned next to the entrance to the lower level was an air filter/purifier.
-- It took over an hour for someone to get back to us. The smell was so bad we were not able to even sit in the house while we waited. They assured us someone would come to the property to check on the smell but then, without sending anyone to check it out, they said they would be unable to fix these issues during our stay.
-- They offered one of their other properties but the property they offered was smaller and inferior in both quality and location to the property we had reserved. We reserved Luxury in the Mountains in a quiet location with beautiful views and space for everyone in our group to have a private bedroom. The alternative property did not offer similar accommodations. It did not offer the quiet serenity we originally booked as it was located on a noisy through road and it did not have enough space for our entire group to stay comfortably. The choice given to us by XXXX XXXX XXXX was to either stay at the original property and deal with the sewage smell or cram into a smaller property in an undesirable area.
-- We could not stay at the property we reserved because of the horrible smell and for over $ XXXX, it is unfathomable that we should be expected to be okay living with that for our entire stay. At XXXXXXXX XXXX. they said they understood and would get back to us with a resolution and thanked us for our patience.
-- At XXXX XXXX. we asked if we would get a refund if we left and they did not answer the question. ( If we had been a no-show, there would have been a one-night cancelation fee with the rest being refunded. ) -- At XXXX p.m. we still had not heard back from them, family members were arriving, and it was dark. We were still waiting outside. We informed the host that we were leaving the property. They said someone would call us the next day ( XX/XX/XXXX ).
-- XX/XX/XXXX- After waiting all day for a call, we reached out at XXXXXXXX XXXX They said they would follow up. Shortly after, we received a phone call stating that they would not be issuing a refund. How is this even logical? If we had been a no-show, there would have been a one-night cancelation fee with the rest being refunded. We showed up but could not stay because of the hosts misrepresentation and neglect to provide what had been promised. We then reached out to XXXX about our experience.
-- XX/XX/XXXX - XXXX informed us that it was up to XXXX XXXX XXXX to provide a resolution.
-- XX/XX/XXXX- I filed a dispute on the charge with my Citi VISA.
-- XX/XX/XXXX I provided detailed documentation to Citi VISA, including screenshots of all communication.
-- XX/XX/XXXX Cit VISA requested additional information ( all of which I had already provided in the detailed documentation ). I started working on making the additional information more clear.
-- XX/XX/XXXX Before I had an opportunity to send " additional information, '' I received an email from Citi VISA stating that they decided I was responsible for the charge.
|
| 05/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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|
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX . XXXX. XXXX, XXXX XXXX, CA XXXX Email Address : XXXX What is the complaint about?
The complaint is about my CITI credit card being declined for a {$620.00} transaction when my credit limit is {$7000.00} and when I have a XXXX balance in my account and consistently paying the entire amount of my past due balance way before the due date. In fact, I just paid my balance of {$690.00} out of my XXXX XXXX account electronically on XX/XX/2020 ( which is still due on XX/XX/XXXX ) that same day before I went to do this transaction with XXXX XXXX XXXX.
What type of problem are you having?
I was shattered by the disgrace of a declined credit card and have to experience aggravating inconvenience of a credit card paralyzed at the worst possible moment when I was in a situation that I have to be quicker to go back to my Assisted Living and monitor my elderly vulnerable residents. This is in spite of the fact that I havent had any derogatory record with CITI credit card company as I always ensure that I dont reached my credit limit, in spite of the fact that all information I gave them match my records, in spite of the fact that I havent missed any credit card payments and even pay my balance way before my due date, and in spite of the fact that my credit card is not expired. Few things are more humiliating than trying to pay for an item with your credit card only to be told the card is declined in addition to the embarrassment this cause me in a crowded store.
What happened?
This complaint is about an incident that happened yesterday, XX/XX/2020 at about XXXX XXXX at the XXXX XXXX XXXX when I was about to pay a {$620.00} worth of goods with my CITI Credit Card and to my surprise it got declined three ( 3 ) times. So, I called the CITI Customer Service and waited for about 10 minutes before I was able to speak to a representative. I identified myself politely and calmly stating my full name and explained the reason for my call but the lady representative wanted information about the account and routing number of the XXXX XXXX account I was using to pay my bills. I told her that I dont have in my possession my check book but she rudely insisted that thats the only way I could be identified. I replied to her politely if I can give my social security number or answer any personal information that I have on their file so I can be identified. But she straight up tells me that it would only be through my account and routing number that I can be identified. So I requested to speak to her manager and after several minutes of waiting I finally had Ms. XXXX ( Im not sure if I got her name right ). Ms. XXXX asked for my cell phone number so she can send me a code so that I can be identified. I gave her back the code number and so I was verified. She then assured me that my CITI card wont have any more problem. I closed the conversation and put in my card again to pay the {$620.00} and it got declined again. The store clerk tried to use another machine in another counter but to no avail. So I called CITI Customer Service for the second time and a male receptionist asked my name and the reason for my call ( I dont know why they would ask me same questions when the last call I had I was told that it was on a recorded line ) but I patiently gave every information they asked and once more I was asked for my account number so I can be identified. I must go online banking with XXXX on my cell phone just to get that information taking me about a couple of minutes to acquire it. After giving this information this male representative guaranteed that this time my card would be fine. I didnt hang up the phone while I tried using the CITI card and it got declined yet again. The CITI representative could not just figured out why my card kept getting declined and placed me again on hold for several minutes and came back telling me that he got it resolved, gave me a couple of reasons and have me tried the card again and it got declined for the 10th time. The customer service representative had me on hold for several minutes again and came back really confused and couldnt find any explanation why my card is being declined and then my call just got hanged up. I have no option but to pay my transaction with my XXXX XXXX debit Visa card. This CITI credit card company wasted 45 minutes of my time when I should be back to my facility and monitor my elderly residents in my assisted living knowing the current situation for the elderly population in the County of XXXX XXXX how they are so vulnerable to the Covid-19 virus. I waited for a call back all throughout that day, but no one called me back from CITI credit card company to explain what really happened to my card. What I got is a text message from Citi Costco Fraud Dept. with a note that they need to verify activity on my card and asking me to call them and specify case number which they indicated in their text message.
I have been a customer in good standing with this credit card company as I pay my entire balance in advance way before the due date. In fact, I just paid them {$690.00} yesterday also and so I had a XXXX ( XXXX ) balance when I was doing this {$620.00} transaction with XXXX XXXX XXXX. I have a credit limit of like {$7000.00} in this credit company and I or anyone dont deserve this kind of poor service and more seriously deprived of a {$620.00} credit when I am not delinquent of any past due balance.
What company is this complaint about?
CITI Credit Card Company What are the people involved?
CITI Credit Card Customer Service Manager and Representatives I spoke with on a recorded line. No one of them resolve the issue and had any explanation why my CITI credit card is being declined. I was deprived of the highest customer satisfaction service. The CITI credit card company customer service personnel lack empathy. They should never ignore the importance of customer satisfaction and they should make their support easy to reach and equip their support agents with tools which provide access to the customer details.
|
| 07/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
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I am a Citi prestige credit card holder. There's a benefit called " complimentary 4th night hotel benefit '', the description of this benefit can be found below : " '' '' Complimentary 4th Night Hotel Benefit Eligibility requirements The Complimentary 4th Night Benefit is eligible for any hotel when you book a minimum of 4 consecutive nights. The following restrictions apply : The reservation must be in the name of the Citi Prestige primary cardholder or authorized user.
Use ThankYou Points, your Citi Prestige Card, or a combination of the two.
This benefit can not be used for two simultaneous bookings at the same hotel or at different hotels.
Cardmembers are eligible for no more than two Complimentary 4th Night Benefits per card account per calendar year.
The 4th Night Benefit is calculated based on the average nightly rate of your complete stay, excluding taxes and fees. Total cost of reservation will include the 4th night discount.
" " '' On XX/XX/XXXX, I made a reservation and used this benefit. OnXX/XX/XXXX, I canceled this reservation without using the benefit. In normal cases, this benefit should return to my account automatically. However, it didn't happen this time.
I made multiple phone calls and online chat with Citi, tried to resolve this issue, but it's not resolved.
My first attempt was on XX/XX/XXXX. I called Citi travel and Citi reward. They are different departments, and they both claim that the other party should fix the issue. One of the online chat agents said they submitted a request to the back office, but it didn't fix the issue.
The full chat history can be found below : " '' '' XXXX, XX/XX/XXXX You : talk to an agent Info : Well connect you as soon as a representative is available. Thanks for your patience.
Info : You're now connected to : XXXX.
XXXX, XX/XX/XXXX You : Hi XXXX XXXX, XX/XX/XXXX You :??
XXXX, XX/XX/XXXX XXXX : Hi XXXX! Hope you are doing well! Welcome to Citi Live Chat. We appreciate you taking time in contacting us today.
XXXX, XX/XX/XXXX XXXX : How may I help you?
XXXX, XX/XX/XXXX You : here : )?
XXXX, XX/XX/XXXX You : Yes, I have the citi prestige credit card XXXX, XX/XX/XXXX You : which comes with the 4th night free benefit XXXX, XX/XX/XXXX You : however, I can not see the benefit on the website now XXXX, XX/XX/XXXX You : I've called the customer service XXXX, XX/XX/XXXX You : They told me that it's likely because I made a reservation using the benefit, and cancelled it XXXX, XX/XX/XXXX You : can you please hlep fix this : ) XXXX, XX/XX/XXXX You : Thanks XXXX, XX/XX/XXXX XXXX : Thank you for sharing your concern and the credit must show even if you have cancelled the previous reservation, may I know if you did have a word with our travel team on this?
XXXX, XX/XX/XXXX You : yes, I called twice XXXX, XX/XX/XXXX You : they said they will transfer me to the other department to fix it XXXX, XX/XX/XXXX You : but both call was drop : ( XXXX, XX/XX/XXXX XXXX : Please allow me some time while I confirm it with my supervisor.
XXXX, XX/XX/XXXX You : sure XXXX, XX/XX/XXXX You : take your time XXXX, XX/XX/XXXX XXXX : May I know when did you cancel it?
XXXX, XX/XX/XXXX You : XX/XX/12 XXXX, XX/XX/XXXX XXXX : Thank you for your patience!
XXXX, XX/XX/XXXX XXXX : I have confirmed it with my supervisor and would like to inform you that you can bool the hotel and made the reservation now and 4th night credit apply on next statement in case you have already cancelled a reservation.
XXXX, XX/XX/XXXX You : ok, that's one of the option the phone service told me XXXX, XX/XX/XXXX You : the other option is you can fix this, so that I can view the price after 4th night credit on the website XXXX, XX/XX/XXXX You : becuase there are fee and tax when I make bookings, so I'd like to view the actual total amount before I make a booking XXXX, XX/XX/XXXX XXXX : Yes, you can made the reservation and whatever amount it will show, based on the 4th night credit will be applied.
XXXX, XX/XX/XXXX XXXX : If you still have any confusion, you can call again our Thankyou team and they will book it for you right now since it can be booked either over the phone or through Thankyou website in order to get this benefit.
XXXX, XX/XX/XXXX You : you don't understand my request XXXX, XX/XX/XXXX You : there's a bug on the website, so that the 4th night benefit is not available to me XXXX, XX/XX/XXXX You : I know I can just make a booking and ask customer service for the credit later on XXXX, XX/XX/XXXX You : but this is not what I need, I want you to help me fix my account issue, so that I can browse around with my 4th night benefit available, I can see what exactly the cost XXXX, XX/XX/XXXX You : and then make a booking XXXX, XX/XX/XXXX XXXX : I see, my apologies, I can submit a request to our technical team so that they can fix the account issue since only they can fix it. Just a minute please.
XXXX, XX/XX/XXXX You : yes please...
XXXX, XX/XX/XXXX XXXX : I have submitted the request for you and request you to please allow XXXX hours and then try again.
XXXX, XX/XX/XXXX You : thanks!
XXXX, XX/XX/XXXX You : may I get a ticket id for future reference?
XXXX, XX/XX/XXXX XXXX : I apologize, I do not have reference number as such however you can copy this transaction and paste it in notepad and save it with you. Also this conversations will be saved automatically for you and our team for future interactions and you can access it anytime when you login to your account.
XXXX, XX/XX/XXXX XXXX : Please note down our Technical team contact number as well in case you need it in future. The number for our Online Technical Support team is XXXX ( For TTY : use XXXX or other Relay service ). This department is available XXXX hours a day, 7 days a week.
" " '' On XX/XX/XXXX, I tried again, same story, multiple calls and online chat. I've made at least 5 calls, the total call time was more than 4 hours. At the very last call, the agent from citi reward said she's talked to the supervisor and submitted the request to fix my issue to the back office, but it's still not fixed.
|
| 01/03/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Citi Banks Fraud and Customer Service Department ( I am not sure if it is one company that does this for all banks or if Citi Bank has their own staff for this ) seems to be staffed with rogue employees who do what they want, refuse customer request to escalate the issue for resolution or pretend to log the issue and schedule a call back that never comes all seemingly to cover themselves for their behavior and locking the customer out of the account citing Possible Fraud while doing so.
Keep in mind that neither before of after theyve stated Possible Fraud by phone ( this happens when they get challenge on issues with a pending purchase or account question ) they have never reached out to me prior via letter, phone or email warning me or asking me about any such activity. Then after they lock me out the account I still never receive and notice or warning of any such activity just a request to contact them to have the account reactivated.
This happens repeatedly most recently on XXXX XXXX XXXX
While out of state, on the day of the event just a couple of hours before its start I attempted to charge a concert ticket with the credit card and it was not approved. I phoned in to discuss and resolve this and got nothing but double talk from the customer service rep who would not share why the charge was not going through and would not escalate the call. I then asked to be transferred to the Citi Entertainment Department to discuss and resolve this and she claimed to not know what it was or that it existed even though I repeatedly get offer from them via traditional and email which I mentioned to her.
She then instantly transferred me to the Fraud Department where it only escalated.
I pointed out the guy that this had happened before with then and it was now much closer to show time and I did not want to lose the seat. He would then repeated put me on hold for several long minutes and come back with same question or say that he needed to call me on my home phone.
Id again tell him XXXX out of state and attempting to go to a show that was starting soon and hed then put me on hold easily XXXX minutes with me thinking he was unlocking the account only to come back with the same question or something else that did not make sense or explain why the other rep sent the call to the XXXX department. He just said to wait for a letter from Citi. I dont think that letter ever came but the previous one did and all it does is ask you to call in and very yourself and they reactivate the card. Again no explanation of any fraud or possible fraud just okay now you can use your card again.
I eventually realized that Citi had XXXX interest in truly trying to assist me in this matter, ended the call and used a different credit card and attended the show.
Once back home I reached out to Citi about this and requested that both a customer service manager and fraud department manager contact me so that I could make them aware of this because not only is it in appropriate it makes having their card useless to me because I never know when suddenly a charge wont go through and then when I contact them I will be asked to do something that I cant do and they wont look at the notes in the card history as I repeatedly request to see that this has happened before and then lock me out of the account citing possible fraudulent activity. When I ask when that activity took place not only will they not say I am never contacted or made aware of it as a customer. So how does that help me?
Anyway I was told to expect a callback in 24 48 hours that did not come from either manager. Eventually a customer service did call me back and reference my request and offer to reactive the account. I declined and informed her that I want senior personnel to be aware of these shenanigans and the rep went on to apologize and tell me that the previous calls were not handled correctly by the rep and fraud person and what should have been done then again offered to reactive the account.
I found this to be useless and quite annoying since the date of the event was long gone and had I not had another card to use ( they only take cards for entrance ) Id have missed the out of state show ; and since she too agrees that this was not handled correctly why is she trying to reactivate the account and move on as if nothing happened even with me telling her this has happened before?
After the call and to date I have yet to hear from anyone from Citi Bank regarding any type of fraud or attempted fraud on the account. No management call back as requested and said to scheduled and I remain locked out of the account since XX/XX/2023 which you would think would cause someone there to contact me about.
If I am not currently locked out of the account then it was reactivated without my knowledge, request or consent and again useless for the intended purpose.
- if fraud is suspected on a customers account the customer should be made aware.
- - If a customers account is locked or frozen the customer be made aware and not have to find out when attempting to make purchase. Then be forced to contact the back about it only to still be declined and told to wait 7-10 days for a letter that simply has you call in and have to account reactivated.
- True senior management should be available for call escalation when requested by customers and have a 24-48 window for call back and that is if the customer service person will even agree to your request. Why does it take 24-48 for a call back? According to them because the managers have other calls ahead of mine to be returned first. Thats a glaring red flag. If a staff of reps has that many customers requiring call escalations for immediate resolution and or to report rogue rep behavior then youd think Citi would be looking into why.
- If an account is lock you should not have to wait 7-10 days for a letter. They call and overnight letters daily there is no need to waste customers time and prevent them access to their accounts for extended periods under false pretenses simply because you can.
|
| 05/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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This company closed my complaint without being able to view the documents I had attached to it. This item on my credit report is a direct violation of my right to privacy according to the FCRA. The following are the documents that were in my complaint the first time I submitted it XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your company provide me with competent evidence that I have any legal obligation to pay you since this debt was cancelled.I will need this documentary evidence to insure that your company isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability.
In accordance with 12 U.S.Code 1831n ( 2 ) ( A ) the XXXX XXXX XXXX XXXX XXXX XXXX would be needed as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt.
As for cancelled debts, I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. I did not receive one. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was made aware of a 1099-C associated with this account.
Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.
At this time, I will also inform you that if your company have reported any false and misleading information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.If your company can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against your company.
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
XXXX XXXX XX/XX/2022 } XXXX XXXX } XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX } XXXX XXXX XXXX XXXX XXXX MD XXXX } XXXX OH, XXXX CEASE AND DESIST NOTICE ATTN : XXXX XXXX, XXXX Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Cease all collection activity Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature.
1.Name and address of the original creditor who created the debt.
2.Name on file of alleged debtor.
3.Alleged account # 4.Address on file for alleged debtor.
5.Amount of alleged debt.
6.Date this alleged debt became payable.
7.Date of original charge or delinquency.
8.Was this debt assigned to a debt collector or purchased?
9.Amount paid if debt was purchased.
10.Commission for debt if collection efforts are successful.
11.Documentary evidence that this agency is in fact the holder in due course.
12.Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ).
Please provide the name and address of the bonding agent for XXXX XXXX XXXX XXXX in case legal action becomes necessary : Authorized Signature of Creditor : Date : You must return this completed form along with copies of ALL requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within thirty days from the date of your receipt of this letter. Please be aware I understand falsifying and concealing documentary evidence of statements of entries is punishable under Title 18 U.S.Code 1001 for up to five years of imprisonment.
Without the information which is required by law for your offices to have on file there is no valid way that your office can validate any alleged debt.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
To acquiesce or failure to comply with the requirements of this notice would be admittance to stating there is no proof of claim for this alleged debt, you agreed to discharge the matter accordingly not sell or assign this matter to another agency, as well as remove the false allegation off of all of my consumer reports and will compensate me accordingly in the amount of the presented invoice in good faith and ordinary care for the financial damage caused by the reporting false false allegation.
Your prompt attention and response is both requested and required.
XXXX XXXX
|
| 05/31/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
CitiFinancial filed a judgment on a personal loan with XXXX County Maryland District Court in XX/XX/XXXX for {$12000.00}. A payoff was requested from CitiFinancial last week on 3 separate occasions. The 1st time it was requested by my company after calling CitiFinancial 's recovery unit onXX/XX/XXXX to ask how to obtain a payoff of the judgment. We were told by CitiFinancial to fax the payoff request and the borrower 's written authorization. The fax requesting the payoff was sent on XX/XX/XXXX and it included the borrower 's written authorization and instructions as to how to fax the payoff back to us. After not receiving a response of any kind by XX/XX/XXXX I called CitiFinancial and they did not show any record of the fax sent on XX/XX/XXXX. They said it can take 24 to 48 hrs. Informed them that it 's been that long and they stated that the customer needs to call. At this point I reached out to the customer and explained to him that he needed to contact CitiFinancial and request they provide a payoff. He contacted CitiFinancial Recovery Unit and spoke with XXXX and negotiated a settlement with them of {$3100.00} and informed them that I would be calling to get the payoff information. After the borrower informed me of the agreed upon settlement I called CitiFinancial in order to get the payoff information. I was then informed that the authorization was not on file and I would need to conference in the customer in order to get the payoff. I tried to explain that he just talked to them and told them I 'd be calling and they stated they still needed him. I called the borrower and was able to conference him in with CitiFinancial they verified with him that it was ok to speak and work with us and authorize us on the account. At that point the customer was able to disconnect and I was on with XXXX at CitiFinancial. At this point she informed me that the reason a payoff had n't been provided was because they are only mailed to the address of record. They are not emailed or faxed. I asked her why that was n't mentioned 2 days ago when we called to get a payoff. I asked for what happened to our fax from days ago ... she did n't know but suggested we fax in another request. I explained that they appear to have a faulty system if faxes are not showing received in the timeframe they are stating. I asked her how we would expedite this since it appears they had lost the fax we had sent. She stated there was no way to expedite it other than send a fax in requesting it be expedited ( to the same people that seemed to have lost the 1st fax ). I asked her how I would know f my expedited request worked she stated that I would n't because her department has no communication with the department that logs the faxes. I asked if I could talk to that department. She said no, she had no way to communicate with them or transfer me. I then asked for a supervisor, she stated that a supervisor is only available between the hours of XXXX and XXXX Monday through Thursday. So only 4 hours a week. Of course I was calling at about XXXX on Thursday the XXXX of XXXX. I informed her that this was quite unbelievable that a supervisor was only available 4 hours a week. She advised me that it was due to other duties she has. I asked then who she reports to and if they are available instead and I was told no and that I had to call back next week. If I wanted a payoff sooner than regular mail I could fax in a XXXX label ( at my expense ) that they would use to overnight the payoff. I advised her that this whole process was very disorganized and frankly not at all consumer friendly. I recall asking her how this process could be made easier because we are trying to pay them off and they 're making it actually hard to do that. She then informed me that there was nothing else she could do and would disconnect the call. I pleaded one more time to have her help find a better way to assist. She stated she was ending the call and hung up. I called back and reached another gentlemen who reinforced what was previously told to me by XXXX. I then got the instructions to fax in the XXXX label. The XXXX label ( that we paid for ) was faxed to them onXX/XX/XXXX using the exact instructions provided by the CitiFinancial Recovery Unit. I was out ill yesterday ( XX/XX/XXXX ) but called CitiFinancial today, XX/XX/XXXX, to see the status and they have no record of my XXXX label and gave me the same 24 to 48 hours line as before. I explained to them that it was sent on XX/XX/XXXX so it 's been over 48hrs even if they were off Saturday, Sunday and Monday for XXXX XXXX. They stated, " Well, we do n't have it. However, we can not provide a payoff on this account. '' I asked why. The woman said it was because they were, " No longer pursuing any collection efforts on this debt and the judgment would be released within the next 30 to 60 days. '' I advised he that I needed a release letter, a {$0.00} payoff or a letter then explaining that no balance is owed so I can show the judgment as being satisfied. She then informed me that the customer will get a letter at some point within the next 30 to 60 days. I explained that was n't acceptable and we needed resolution sooner. If someone asks for a payoff they can not hold them hostage by not providing it and if they no longer owe money that was attempting to be collected then CitiFinancial needs to say that in writing in a timely manner when they have a judgment showing impacts other aspects of someone 's life. The person said they were very sorry but there was nothing that could be done. There of course was no supervisor available. They offered to have the " Legal Department '' call me back at some point within the next 24 to 48hrs but there was nothing else they could do. It appears the corporate restrictions placed on XXXX and others of that team are beyond reasonable. It 's important to know that I 'm not the account holder but I am authorized on the account I listed the account holder 's name as the 2nd contact so that CitiFinancial can locate the account.
|
| 01/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Citibank has no personal representatives to talk to people on the phone. It is a totally automated voice response system. This is frustrating. I do not bank online. I can't find anybody to help me resolve this at Citibank. I will forward any information requested to you.
After getting collection call on XX/XX/XXXX I paid the the balance in full through their automated system - {$81.00}. However, I then continued to get calls that I had an outstanding balance. I was furious and I closed the card. I put a check in the mail. I continued to get calls and then on XX/XX/XXXX it was too much I paid again using their automated system and I had to pay a higher amount.
The automated system told me my total balance due was XXXX. I had paid the card in total on XX/XX/XXXX from my checking account for that amount. It seems they lost that payment. In order to avoid further interest I paid through my checking account again on XX/XX/XXXX and their automated system first told me XXXX was due but then it told me I had a different balance after I put in my check information - {$200.00} : I have included both email confirmations for both payments below.
This message is from a trusted sender.
Citi Cards XXXX> Mon XX/XX/XXXX XXXX XXXX Here 's a summary of the recent customer service call.
CONFIRMATION Citi XXXX XXXX Cardmember since XXXX Account ending in XXXX Thanks for contacting us Hi, XXXX. Here 's a summary of the recent customer service call regarding your Citi CashReturns MasterCard account : Confirmation of payment A payment of {$200.00} was made. You can easily make payments whenever you want, at home or on the go - schedule a future payment, make a same-day payment, or enroll in AutoPay in the Citi Mobile App or Citi Online. When you make a payment you'll see your updated balance instantly.
Questions?
If you have questions or if you didn't authorize the above, please contact us at XXXX ( TTY/TDD : XXXX for hearing and speech impaired services only ).
Please note : Depending on the activity you took on Citi Online, and when you completed those activities, you may receive additional emails.
Citi is at your side before, during and after every purchase.
Your Citi Team Take control of your account from virtually anywhere Did you know you can quickly and easily manage your account with the Citi Mobile App and Citi Online? Here you can make payments, add an authorized user or even lock a misplaced card. Plus, you can keep track of your FICO score for free and set up custom alerts. Download the Citi Mobile App by clicking below or texting XXXX to MYCITI ( XXXX ).
Citi Mobile App View Your Account Pay Your Bill Contact Us Download the Citi Mobile App XXXX and the XXXX logo are trademarks of XXXX XXXX XXXX, registered in the U.S. and other countries. XXXX XXXX is a service mark of XXXX XXXX XXXX, registered in the U.S. and other countries. XXXX, XXXX XXXX, and the XXXX XXXX logo are trademarks of XXXX XXXX.
Citibank is not responsible for products and service offered by other companies.
Citi Privacy Security The account information near the lock icon at the top of this email helps verify that it was sent by Citi.
This email is to keep you informed about your Citibank credit card, including service updates and other information about your account. Have questions? Please do not reply to this service email. Instead, just contact us.
Citibank Customer Service XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX XXXX Citibank , N.A . Citi, Citibank, Citi with XXXX XXXX, Citi Mobile, Citi CashReturns and CitiDollars are registered service marks of Citigroup Inc .
XXXX XXXX XXXX Citi Cards Sat XX/XX/XXXX XXXX XXXX Here 's a summary of the recent customer service call.
CONFIRMATION Citi XXXX Cardmember since XXXX Account ending in XXXX Thanks for contacting us Hi, XXXX. Here 's a summary of the recent customer service call regarding your Citi CashReturns MasterCard account : Confirmation of payment A payment of {$81.00} was made. You can easily make payments whenever you want, at home or on the go - schedule a future payment, make a same-day payment, or enroll in AutoPay in the Citi Mobile App or Citi Online. When you make a payment you'll see your updated balance instantly.
Questions?
If you have questions or if you didn't authorize the above, please contact us at XXXX ( TTY/TDD : XXXX for hearing and speech impaired services only ).
Please note : Depending on the activity you took on Citi Online, and when you completed those activities, you may receive additional emails.
Citi is at your side before, during and after every purchase.
Your Citi Team Take control of your account from virtually anywhere Did you know you can quickly and easily manage your account with the Citi Mobile App and Citi Online? Here you can make payments, add an authorized user or even lock a misplaced card. Plus, you can keep track of your FICO score for free and set up custom alerts. Download the Citi Mobile App by clicking below or texting XXXX to MYCITI ( XXXX ).
Citi Mobile App View Your Account Pay Your Bill Contact Us Download the Citi Mobile App XXXX and the XXXX logo are trademarks of XXXX XXXX XXXX, registered in the U.S. and other countriesXXXX XXXX XXXX is a service mark of XXXX XXXX XXXX, registered in the U.S. and other countries. XXXX, XXXX XXXX, and the XXXX XXXX logo are trademarks of XXXX XXXX.
Citibank is not responsible for products and service offered by other companies.
Citi Privacy Security The account information near the lock icon at the top of this email helps verify that it was sent by Citi.
This email is to keep you informed about your Citibank credit card, including service updates and other information about your account. Have questions? Please do not reply to this service email. Instead, just contact us.
Citibank Customer Service XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX XXXX Citibank , N.A . Citi, Citibank, Citi with XXXX XXXX, Citi Mobile, Citi CashReturns and CitiDollars are registered service marks of Citigroup Inc .
XXXX XXXX XXXX
|
| 09/12/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
In short, Citi bank closed my savings account in XXXX XXXX XXXX It is now XXXX XXXX XXXX and I still have not received over {$40000.00} in funds that are rightfully mine. Ive attached a chronological timeline of all events for easy reference. Ive also attached relevant phone call recordings, paperwork and account documentation to support the detailed summary below.
Detailed summary : I have been a long-time holder of Citibank credit cards . In XXXX XXXX I logged in to my Citi credit card accounts online and received ad for " Citi Accelerate '' high-yield online savings accounts. I applied for the savings account, and it was opened shortly thereafter however I never received paperwork documenting the new account via email, or traditional mail. When opening the account, I set it up to withdraw from my XXXX Money Market account however, unbeknownst to me, it defaulted to my XXXX Checking account instead. The change in withdraw accounts is not something I was immediately aware of. To date, Ive only received a debit card upon account opening, and the attached letter notifying me of Citis decision to close the account.
In late XXXX I made several attempts to transfer large sums of money and fund the new account. Initially a {$140000.00} transfer didnt process, then {$100000.00}, then {$40000.00} attempts were made without success. Ive never had an online savings account and assumed the failed attempts were over the transfer limit ; an incorrect assumption. Following the failed attempts, I transferred {$40000.00} from my XXXX Money Market to my XXXX Checking just to see if that would work, and it did. The transfer from XXXX XXXX to Savings can be seen on XX/XX/XXXX and subsequent successful transfer to Citi Bank on XX/XX/XXXX. For the next several weeks this money resided in my new Citi Savings account and appeared to collect interest.
Somewhere around XX/XX/XXXX I attempted to transfer another {$40000.00} from XXXX to the new Citibank account however I still had not realized the issue of drawing from the wrong account and therefore did not transfer funds from my XXXX Money Market to XXXX Checking first. The late-XXXX attempt to transfer {$40000.00} failed, once again, due to Non-Sufficient Funds. The evening of XX/XX/XXXX I logged into my Citi online accounts and saw my savings account had been blocked. I could see no information other than blocked where the value should be, so I called customer service. Several attempts to contact Citibank and resolve the matter occurred between late-XXXX and early XXXX. Every call resulted in the same scripted Were foreclosing your account and youll receive a check in the mail within 60 days, this call is now being disconnected response. After the script was read Citi always hung up immediately. Only after visiting the XXXX branch in early XXXX did I learn all failed attempts were due to Non-Sufficient Funds as Citi was drafting my Checking account when I thought they were drawing from the Money Market where my savings lies.
In early XXXX ( around the XXXX ) I received a mailed letter from Citi dated XX/XX/XXXX and notifying me of their decision to close my savings account. The letter is largely a repetition of the scripted call and references If there are any funds that below to you at the time of closure, Citibank will issue you an official check for that balance to the address on file. This letter is attached for reference.
Between XX/XX/XXXX and XX/XX/XXXX ( XXXX calendar days ) I waited, with much stress, to see if a check would arrive as promised ; it did not. On XX/XX/XXXX I called the automated line on the back of my Citi debit card and listened to the recording of recent transactions. On this call I learned that {$40000.00} had been withdrawn by Citibank on XX/XX/XXXX ( reference attached recording ). I assumed this withdraw meant Citi had closed my account and a check would soon be in the mail, so I waited another week.
As of XX/XX/XXXX no check had been received so I called XXXX fraud line again and spoke with a representative who informed me a check would be received within 30 days of account closing. The representative confirmed the account was closed on XX/XX/XXXX so I would receive a check by XX/XX/XXXX. I recorded this phone call and have attached for reference. Before hanging up I asked the rep to verify the account balance to be refunded then, I was placed on hold while she verified and was ultimately disconnected XXXX minutes later, without response. Due to the assurance received on this phone call I continued waiting.
Fast forward to XX/XX/XXXX. As of early XXXX, I still had not received a check for my funds, so I called the fraud department again. This time, the Citi rep asked if I had received a letter in the mail to which I responded " yes ''. After some back and forth I was told that I'd receive another letter in the mail ( as of XX/XX/XXXX no second letters been received ). I informed the representative of my recorded call on XX/XX/XXXX and the information I was provided, to which was replied with the similar pre-scripted comment that " account was still under investigation and they could not provide any info at this time '', then I was hung up on. At this point it seemed clear Citi had no interest in returning my funds.
Following the XXXX phone call, I contacted XXXX to see if they could help and the recommendation was made that I file a police report then, they could issue an ACH-reversal request. A police report was filed with the XXXX Police Department on XX/XX/XXXX and is attached for reference. The XXXX ACH-reversal request was processed on XX/XX/XXXX, but no resolution has been found as of early XXXX.
It is now XX/XX/XXXX and Ive received no further communication from Citibank, no check or additional letter explaining the matter has been received in the mail and no attemp to validate the funds. I fear if this money isnt returned very soon, Im going to be left with no choice but to hire an attorney and seek legal action against Citibank. Please help!
|
| 12/01/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I am writing to issue a complaint about a significant portion of my account balance ( {$26000.00} ) not being returned to me after my Citibank account was closed at the end of XXXX. We have gotten no information from Citibank as to why our account was closed and where our outstanding balance is.
My husband and I opened a Citi Accelerate Savings account in XXXX. We had sold and closed on a condo property on XX/XX/XXXX. As of XX/XX/XXXX, we had a balance of {$17000.00} in our Citi account. In XXXX XXXX, we began depositing a portion of the money from the sale of our condo into our Citi Accelerate XXXX account. The following deposits were made from my credit union checking account ( I initiated the transfer from my credit union account ) to our Citi account : XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$2500.00} On XX/XX/XXXX, I had also tried to deposit {$10000.00} from my credit union account to my Citi account ( I initiated this transfer from my Citi account ), but that money was returned to my credit union account on XX/XX/XXXX. I have a record of this money being returned to my credit union checking account. Im not sure why it bounced back to my credit union account.
So all that said, we deposited a total of {$10000.00} ( XXXX deposits of {$2500.00} ) into our Citi account between XXXX. This means our total Citi Accelerate Savings account balance on XX/XX/XXXX was {$27000.00} ( not including any interest that was accrued ).
On XX/XX/XXXX at XXXX XXXX, I received an email from Citibank telling us that our account had been closed and we should expect to receive our remaining balance via check within 30-60 days of account closure ( which is a ridiculous amount of time to wait for your own money, but ok ). No reason was given in the email as to why our account had been closed. I went into our account to see what was going on with it that day, but I was unable to access anything due to the closure.
Our XXXX, XXXX Citi statement shows that, on XX/XX/XXXX, my {$2500.00} deposit was credited to the account but there was also a random Other Debit line item where {$24000.00} was removed from our account. This is extremely concerning especially since, by this time, my husband and I could no longer access our account in order to make any debits since the account was closed.
On XX/XX/XXXX, I spoke with 2 customer support representatives at Citibank. Neither could tell me my remaining account balance or tell me why the account was closed. They said they didnt have access to my account because it was closed. They did tell me that it was indeed closed and that I should expect to receive my remaining balance within 30-60 days. So I waited.
On XX/XX/XXXX, my husband and I received a check from Citibank via mail in the amount of {$2500.00}. Assuming the {$28.00} is interest, we are still missing {$24000.00} of our Citi Accelerate Savings account balance.
On XX/XX/XXXX, I called Citi customer support again and spoke with 2 different people again. The first person told me to contact my credit union to do a XXXX resolution since the transfers were made between the two banks. I contacted my credit union, who told me this was an issue Citibank needed to resolve but they could provide bank statements to prove that none of the money previously transferred ( aside from the $ XXXX on XX/XX/XXXX ) was returned to my credit union account. I called Citi customer support again and the second person I spoke with said they would enter a dispute ticket, which would take 24-48 hours to process. They also said I should call back to inquire about the ticket because they would not be reaching out to me personally about it.
Later that evening on XX/XX/XXXX, my husband called the phone number on the check we received ( XXXX ) for more clarity. We just want to know what happened to our missing balance of {$24000.00} and when we should expect to receive our money. The first person he spoke with said that the XX/XX/XXXX transfer of {$10000.00} was flagged as potential fraud and, as a result, our account was closed on XX/XX/XXXX ( which is actually 3 days before we received the email about our account being closed and 3 days before {$24000.00} was debited from our account ). He could not provide details as to where that money went and transferred my husband to Citis fraud department. The second representative could not provide any details about the remaining account balance and told us to contact Citis fraud department at XXXX ( option 2, option 4 ) the following day when supervisors would be available.
On XX/XX/XXXX around XXXX XXXX, my husband called the fraud department at the number above and spoke with 4 different people, including a supervisor. The first person told him that we had to go to a Citibank branch to pick up the check with our remaining account balance. My husband said that was ridiculous since the nearest branch is XXXX miles away. He was transferred to a supervisor after being on hold for 30 minutes. The supervisor could not provide any details as to where the remaining balance was and transferred him to someone else, who then transferred him to someone else, who said they would enter a dispute ticket and to call back in 24-48 hours.
On XX/XX/XXXX at XXXX XXXX, I also called Citibanks XXXX XXXX XXXX XXXX The person I spoke with opened a case report regarding this issue ( Citi Reference Number : XXXX ) and said that someone from Citi would be following up on the inquiry within 15 business days. I appreciate this case report being filed, but 15 days is too long to wait for a resolution and I have no faith that Citibank will resolve it at this point. My husband and I have not had access to a significant portion of our savings for almost 7 weeks.
I would like our missing balance of {$24000.00} sent to our current mailing address associated with the account as soon as possible ( within 2-5 business days ). It should not be this difficult for a large banking institution to figure out where over $ XXXX went!
|
| 01/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
My complaints against Citibank, specific locations supplied below : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Fax : ( XXXX ) XXXX XXXX ext. XXXX CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX Saturday, XX/XX/XXXX, I applied ( via phone ) for Citi Priority Checking Account.
As part of that process, I was emailed some forms to sign from Citi on that same day. A big reason for me choosing Citibank was for their Welcome Checking Cash Bonus Offer.
Upon completion of the signup process, I was not provided the terms and conditions of the Welcome Checking Cash Bonus Offer electronically or via weblink. Nor was I supplied written proof that I was enrolled in the Welcome Checking Cash Bonus Offer. I called again and again was not offered the terms and conditions when requested but was offered verbally the promotional ID/code. I was told I would have to wait to receive them by mail which was eventually received the first week of XX/XX/XXXX ( I still have this paperwork ).
First week of XXXX I observed that Citibank had opened not only a checking account, but also a savings account ( that was not needed, nor requested ).
XX/XX/XXXX I observed that I successfully deposited {$50000.00} into my checking account and that taxes were taken out from the interest in my checking account. I called customer service and was told taxes were withheld because they did not have a W-9 form. They offered me no electronic ( email or on-line means of completing the W-9 form at that time and said I had to mail or fax the form. On XX/XX/XXXX I faxed a completed W-9 form. I called back on XX/XX/XXXX and was told to call back a few business days later. Note : I still have the original W-9 form that I faxed and the confirmation page from the fax machine that I sent it from.
XX/XX/XXXX I called back again to confirm Citi received my W-9 form which did not show in their system. I then requested for Citi to close the savings account and made them add notes to ensure they do not close the checking account and I did NOT want to invalidate my Welcome Checking Cash Bonus Offer.
XX/XX/XXXX @ XXXX XXXX I spoke with XXXX XXXX She told me that my checking account was closed and they do not see my W-9 form in the system. She escalated the phone call to her supervisor ( XXXX in New Account Service Department ). He could see in the notes that customer requested the savings ( not checking ) account closure. He could not tell me where my {$50000.00} was at! Only that the money would be mailed in a check to me and that he was opening an internal investigation. I was told to call back the following Monday or Tuesday. This call was 30-45min duration.
XX/XX/XXXX I received my check for {$50.00}, XXXX in the mail.
At some point between XX/XX/XXXX and XX/XX/XXXX my Savings account was closed and my Checking account was re-opened ( Citi never told me they were going to make these changes or asked if this would be what I would want or desired, nor did they proactively inform me of this change ). Perhaps this was to cover up their mistakes.
XX/XX/XXXX I called to get the results on the internal investigation. I spoke with XXXX @ XXXX XXXX. He told me to call New Account Services at ( XXXX ) XXXX ( he was not able to transfer the call ), which I did immediately and eventually got through and escalated the call to a manager ( XXXX ) who put me on hold multiple times. Eventually I was on hold for a long time and the call was disconnected. Call was over XXXX minutes in duration.
XX/XX/XXXX @ XXXX I went to a physical Citibank ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) and spoke with manager XXXX XXXX I explained my situation and he said he could not do anything at that time and would call me tomorrow. A few days later he called me and told me that since I do not have money in my checking account, I do not qualify for the Welcome Checking Cash Bonus Offer and there is nothing he can do to retroactively fix the dates back to when Citi closed my account ( without my permission/consent ) thus getting out of the Welcome Checking Cash Bonus Offer agreement and avoiding owing me {$700.00} per its terms and conditions.
XX/XX/XXXX I observed the following false advertisement ( click bate ) for Citibank.
XXXX XXXX XXXXXXXX Advertisement banner add shows {$1500.00} bonus with {$50000.00} min opening balance.
When clicking Learn more one can see that bonus is NOT {$1500.00} for $ XXXX but is for {$700.00} ( thus false advertising, click-bate ).
XX/XX/XXXX @ XXXX I was told that Savings account was closed but checking account was open and both have a zero balance. I requested that they both be closed. Later on I did receive written confirmation that both accounts were finally closed.
XX/XX/XXXX I received a letter from Citibank. They state that still have not received IRS form W-9. They also state If we do not have a current certification of your tax status, U.S. law requires us to backup or FATCA withhold on all interest income earned on your account ( s ). The interest of concern is less than {$1.00}. But I do not want any consequences with IRS FATCA ( Foreign Account Tax Compliance Act ) but I in good faith have attempted multiple times to resolve the W-9 problem with Citibank and have spend many hours at this point on the phone or at their branch office.
I find from all of this interaction history stated above to be very troublesome for what should have been as simple as opening a checking account per the agreed terms and conditions. I feel that Citibank is harassing me at this point or using retaliation tactics. They reneged on an agreement that would give me {$700.00} and inflicted emotional distress over the duration of the above interactions.
Above shows my last few months of XXXX interacting with Citibank. I had used Citibank Credit Card services for over 20 years but in light of the few months trying to establish a Checking and Savings account these past few months, In good faith I had to cancel all of their products after getting no resolution.
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| 12/04/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American, Servicemember |
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I initially opened a savings account with Citibank because of their attractive savings rate. I opened the account online. I was only able to enter my first and last name on the Citibank application for a new Savings Account. On XX/XX/XXXX Citibank initiated a small/test amount of money to verify the account was set up. Then on XX/XX/XXXX, Citibank initiated {$10000.00} from my XXXX XXXX account and {$1000.00} from my XXXX account on XX/XX/XXXX. It took a few days, but that money was accepted. Then on XX/XX/XXXX, Citibank initiated another {$10000.00} transfer, and on XX/XX/XXXX another {$10000.00}, and XX/XX/XXXX another {$10000.00} transfer. These XXXX transfers were first labeled as pending, then rejected. I called Citibank on XX/XX/XXXX to ask why they had not deposited my money yet. They took my first two deposits of {$10000.00} and {$1000.00}, but then stopped accepting my deposits.
On approximately XX/XX/XXXX or XX/XX/XXXX I was locked out of my account on two separate occasions and had to call to have it unlocked to be able to see my account. This took over a week each time I had to contact them. They told me the names didn't match exactly, so the deposits were not accepted. I found it odd that the first {$10000.00} and {$1000.00} deposits were accepted. The name on the Citibank account was XXXX XXXX only because this is all I could enter on the online application, so I learned they were investigating this as possible fraud. My name was indicated as XXXX XXXX on the CitiBank account, but XXXX XXXX XXXX XXXX was on the XXXX 's account. My name is XXXX XXXX on my XXXX account. I go by XXXX XXXX, but my legal name is XXXX XXXX XXXX XXXX.
I was transferred to the security fraud department. I participated in a 3-way call with Citibank and XXXX and we discussed that my name, my address, my birthdate, phone number and social security numbers matched, everything about me was verified. My name did not match exactly and this is why my account was locked! I was calling Citibank regularly, multiple times a day, to inquire about when my account was going to be unlocked and my {$30000.00} deposited into my Citibank account. As suggested, I drove to XXXX, VA the closest branch to where I live, which was over 250 miles each way, to meet with XXXX XXXX XXXX ID XXXX, a personal banker at Citibank. She changed my name to match exactly what was on the XXXX account - XXXX XXXX XXXX XXXX, which is my legal name. This was supposed to unlock my account. It got my account unlocked, HOWEVER, my {$30000.00} has still not been deposited back into either of my accounts and Citibank tells me that it has been rejected and XXXX has not received it back.
I have tracing numbers from XXXX that shows the 3 transactions were completed on XX/XX/XXXX. My money was taken from the XXXX account and sent to Citibank.
I obtained the Tracing Numbers by XXXX that the money was sent to CitiBank. They are as follows : XXXX XXXX XXXX XXXX One of these {$10000.00} transactions was accepted, but I do not know which one it is.
These are Reference Numbers ( Not tracing numbers ) from CitiBank, showing the money was rejected.
XXXX XXXX XXXX This is the Reference Number for the {$10000.00} they did accept, XXXX.
CitiBank did accept one of these transactions for {$10000.00}, but rejected the other three {$10000.00} deposits. Now, they tell me they do not have my additional {$30000.00}, nor do they know where the money is.
I perceive that the ACH back bank people are either hiding something or have deposited my money into someone else 's account. They are not admitting they know where my money went or where it is now. All of this has resulted from CitiBank investigating my account for fraud that was never the case to start with. It was a simple difference in my name which the CitiBank application caused by limiting how my name could be entered. It should have been something as simple as verifying me by my social security number to clear up any doubt about my identity.
I have been contacting CitiBank time after time and they still keep giving me the run around about where my money is. They blame each other for the issue. This has been going on for months now. This is {$30000.00} of my money that has disappeared! It is not at my origination bank - XXXX, nor is it at the destination bank - CitiBank. Citibank did recently reference their ACH. I was told that XXXX was the company responsible as a third party for them who supposedly handled the transfer back to my XXXX account. Citibank says they never took possession of the money and it was sent back, so they have no way of tracing it. They told me that XXXX is responsible for recalling the money/transaction from XXXX. XXXX says since they do not use a third party vendor to perform their transfer, because they do all of these types of transfers in house, they don't know anything about XXXX or how to contact them. Citibank will not provide me with a phone number or any way to contact XXXX. What am I to do?
XXXX, with the assistance of XXXX, tried to contact XXXX and they told us they don't even have a contract with Citibank to do anything, so we were told. However, Citibank says they do. Citibank is now attempting to contact XXXX by using a form that is supposed to have them find out where the money is. This form is used only after money is missing for over two months, I was told by Citibank today, XX/XX/XXXX. I'm sure you can understand why I don't feel very confident in this attempt.
No other people are involved at this point other than myself. I did contact the FDIC and they referred me back to you. You XXXX have received a letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Division of Depositor and Consumer Protection Telephone : ( XXXX ) ASK-FDIC Fax : ( XXXX ) XXXX At this point, I am at a loss about what my next step should be. I have been contacting Citibank almost daily. I am afraid that my concerns are being ignored by this international entity. Can you please help me resolve this issue and locate my {$30000.00}?
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| 08/23/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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In XX/XX/XXXX, I received a notice that XXXX / Home Depot did not receive a payment on my account ( card ending in XXXX ) and that my account was late. I called up XXXX customer service and explained to them that I had processed the payment online, but for some reason the payment did not get processed. They informed me that others had problems with the payment and billing software, particularly when a payment did not go through there was not notification of a failure to process. The representative told me that they would most likely be updating the software to make it more consumer friendly and then adjusted my account by waiving the late fee. The agent also informed me that XXXX would correct any late reporting and to call back if I see a late payment. In XX/XX/XXXX, noticing that I had a 30 day late reported with the credit bureaus ( the only late in 7 years on 14 credit accounts ), I called Citibank and spoke to customer service. After being mistreated by the agent, who essentially accused me of lying since she did not see any clear notes on the account. She then informed me that regardless of what had been committed to me, XXXX does not update credit reporting for software issues. After having enough of the degrading treatment, I asked to be transferred to a supervisor, who after 10 minutes on hold, reviewed the account and affirmed verbally on what was stated as a " recorded line '' that I was in fact correct, that the agent had mishandled the call and she apologized for the slight and insult. She said the agent was incorrect and said that she reviewed the notes of my call in XX/XX/XXXX and concluded that I was correct. She confirmed that the records show that I was not at fault as to the payment being late, noted that I was returned the late fee as verification, and then she informed me clearly and unambiguously that she would process a correction of the payment history, eliminating the late payment record of XX/XX/XXXX - and then asked me to call back in after XX/XX/XXXX if the late payment record for XX/XX/XXXX was not corrected on my credit file with the bureaus. On XX/XX/XXXX, I called to inform XXXX that my record or payment history was not corrected. I was then essentially treated to one of the worst experiences in customer service in a long time. From the time I spoke to the agent up to the office of the President, I could not believe how XXXX was going out of its way to question my integrity and prove I lied about something that could be easily be proven by reviewing the notes and any recorded calls, particularly the calls in XX/XX/XXXX. Ultimately, I ended up with XXXX XXXX in the Executive Response Unit, who was dismissive and disrespectful from the start. After a lengthy and fruitless conversation, in which XXXX XXXX stated that the prior supervisor who committed to correct the record with the credit bureaus had overstepped her bounds and his office was the only one that could correct the record and he would not because he did not see anything in the record to show that the supervisor in XX/XX/XXXX committed to the correction, and even if she did, he stated that the late payment in his opinion was not the fault of XXXX in spite of what the XXXX agent said in XX/XX/XXXX and the supervisor stated in XX/XX/XXXX. I voiced my displeasure immediately because XXXX XXXX did not want to resolve the matter but in my opinion was on a power trip and wanting to exercise his power over other supervisors. I am not going to allow myself to be called a liar, or my credit to be harmed simply because a turf war between a supervisor and the lofty office of the president. Further, XXXX XXXX after accusing me essentially of lying, committed to review the recorded calls or transcripts and call me by telephone in a few days. Of course, XXXX XXXX did not. On XX/XX/XXXX, I called the executive response unit ( should be called the ECU - because that is where complaints go to die! ) and was transferred to XXXX XXXX. XXXX XXXX was immediately condescending, and informed me that he did not call me because he sent a letter. He stated he personally reviewed the records and concluded that I was not due the correction and that he had sent me a letter. I pressed XXXX XXXX as to why he did not call me after reviewing the recorded calls as promised and he simply stated that he sent a letter. I then asked XXXX XXXX if he pulled the recorded calls and/or transcripts as promised, and he hesitated to confirm. I assume there would be an internal record if XXXX XXXX requisitioned the calls or not, I questioned the veracity considering I know without any doubt what the supervisor informed me in XX/XX/XXXX. When pressed why he did not call me like he had promised he simply again reiterated he sent a letter. XXXX XXXX refused to review the matter again saying he made a decision and did not inform me of any other recourse. I asked him for the name of the President, which he provided as XXXX XXXX, and stated that I am not satisfied with his response, question the veracity of his statements that he reviewed all calls ( knowing exactly what I had been informed ), and stated that if necessary I would take this to arbitration if need be. I am reporting this matter because of violations of the FCPA in falsely reporting my account as late and a default by XXXX XXXX agreement in XX/XX/XXXX to correct my credit report record as had been agreed. I will not allow internal deficiencies, and low quality of customer service, devoid me of my rights. It is not fair or just that XXXX on one side recognize its error and then another office contradict and make a mockery of its customers. I hope this gets corrected, however I have little faith that the Office of the President will do the right thing by its customers, as opposed to protect its own in a petty self-aggrandizing defense of its power over the little guy. To me to deny a simple correction after the correction had been committed to by a supervisor, is beyond petty it is a violation of trust and an insult to the consumer.
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| 03/17/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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__My Citybank checking Account has been blocked since XX/XX/XXXX. I was later told that was a precautionary measure against possible fraud, the detail of which I was never informed of.
__ I opened the account at the XXXX XXXX in California in XX/XX/XXXX. I received a debit card and started depositing and withdrawing without trouble, until mid-XX/XX/XXXX. ( I was even entitled to a new credit card. I can still access to my online bank and credit accounts. ) _ I did receive my new checkbook and other starting documents at my residence in XX/XX/XXXX, and did return the certificate of my signature by fax on XX/XX/XXXX. That at least verified my identity and address. ( See the attached fax transmission report. ) __Contacting with the banks fraud department several times never worked. Never knew why a fraud was suspected.
__My web-based XXXX XXXX phone number was not accepted for verification purpose. On XX/XX/XXXX, they said that they would send a verification letter by land mail. But it never arrived.
XXXX XXXX XX/XX/XXXX, I complained with the fraud department, and they said sorry and made sure to send the letter, which again never arrived.
XXXX XX/XX/XXXX, I filed an official complaint at the banks dispute managing chat room ( See the attached ). They said their dedicated team will resolve the issue at the earliest, and promised to notify me by call or mail. Nothing happened.
XXXX XX/XX/XXXX, I contacted the chat room again and was told the same thing : contact the fraud department. Seemed nobody can check the fraud department : as this is a fraud block we do not have the access to verify the account. I exhausted what I could do within the bank system.
It is outrageous that I can not use my bank account in this difficult pandemic time. I can not even move to a different place because I need to wait for what is called verification letter. The work to prevent a fraud is important, but they should equally be cautious not to punish innocent customers. Even though each customer support is polite and eager to help, the banks system seems not working. See the details below with contact persons names.
DETAILS : MidXXXX, XXXX Several attempts on different days to deposit my check at my branch ATM failed.
XX/XX/XXXX Contacted my branch and I was told that my account was blocked as a precautious measure against possible fraud. The branch personnel helped me to call the fraud department, but did not go through.
XX/XX/XXXX I called the fraud department XXXX and XXXX. I was told that my account was blocked because I had not returned a verification letter. I searched a bunch of documents mailed from the bank, and found I did not return the certificate of my signature. I immediately faxed it from a nearby XXXX XXXX to the Citibank Client Services in XXXX XXXX, TX XXXX XXXX ) at XXXX on XX/XX/XXXX. See the attached copy of the transmission receipt.
XX/XX/XXXX With my account still blocked, I called the fraud department again. I was still told I had not returned the verification letter, which seemed different from the certificate of my signature. I asked them to re-send the letter, and they agreed.
Then waited, waited, and waited ....
XX/XX/XXXX With no letter having arrived from the bank, I called the fraud department once again to find what happened. They asked for my " reference number '' or " filing number. '' I didn't have such numbers and didnt know what they meant. I could not even start a conversation. I rushed to my branch and talked with the branch manager XXXX XXXX ( Now I decided to keep record of contact names ). He was eager to help and called the fraud department for me. I talked with XXXX ( or XXXX ) on the phone. She wanted to text to my cell phone to verify my identity. But my web-based XXXX XXXX number does not work without Wi-Fi. XXXX suggested to call from a place with WIFI connection. From home, I called and talked with XXXX from the fraud department. She said my web-based phone number did not work for verification purpose. Instead, she said she can send a verification code by land mail. It seemed like I had the same process already, but anyway I asked her definitely send it this time for sure. ( I can not afford for a real cell phone. A net-based, WIFI-base free XXXX XXXX phone is good enough for me, a XXXX old man. ) And waited, waited, and waited ... The letter never arrived. I had to start an official complaint process.
XX/XX/XXXX I filed an official complaint at the banks dispute managing chat room, under the FAQ : How do I manage a dispute on my account? ( See the attached complaint letter. ) XXXX responded. She confirmed that the bank received my signature certificate fax on XX/XX/XXXX. She could not confirm if the verification letters were sent to me, because they would have been sent from the fraud department and we do not have access to it. She suggested me to contact the fraud department. I said I dont want to repeat the same process three times and that I can not wait for their letter forever. She promised that she would capture the complaint so that this will be resolved by our dedicated team at the earliest. She also said that I should receive the notification by call or mail.
XX/XX/XXXX - Again, with nothing happened and no call/mail came, I contacted the chat room again to talk to XXXX. XXXX responded instead. He was polite but repeated the same thing : contact the fraud department. He said, I wish I could sort this for you but as this is a fraud block we do not have the access to verify the account, am so sorry.
Now it is clear that other departments can not check the fraud department. I exhausted what I could do within the bank system. I may have been too patient with what happened or hadnt happen. I had no way but file a complaint with the third-party agencies. Preventing frauds is an important task, but you have to be equally very cautious not to damage innocent customers. I also have a right to hear what precautions I need if strangers tried to do something bad using my account.
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| 02/13/2018 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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XX/XX/XXXX : Citi Mortgage loan matured.
XX/XX/XXXX : Received Payoff Statement - Total to pay loan in full $ XXXX- good through XX/XX/XXXX. ( Statement included delinquency expenses from previous mortgage holder XXXX XXXX. " See XX/XX/XXXX inquiry response '' attached in supporting documents. This detailed history of transactions was sent to me from Citi Mortgage in answer to my inquiry about these delinquency charges of {$1500.00} covering the period of XX/XX/XXXX through XX/XX/XXXX. These transactions relate to an attempted foreclosure action initiated by XXXX XXXX and subsequently dismissed. I AM DISPUTING THE {$1500.00} AND ADDITIONAL INTEREST FEES INCLUDED TO DATE - {$1600.00}. I paid it although it is included in the payoff statement just to be free of the mortgage.
XX/XX/XXXX : Called Citi Mortgage re : taxes, homeowner insurance due after payoff. Representative " XXXX '' informed me 3rd quarter taxes were paid, 4th quarter taxes should be paid by me by XX/XX/XXXX. Homeowners insurance expires XX/XX/XXXX. I could either renew or get coverage through a different insurance company. I chose to secure a new policy. XXXX verified the payoff must be received by XX/XX/XXXX.
XX/XX/XXXX : Electronic payment of {$3800.00} received by Citi Mortgage.
XX/XX/XXXX : Called Citi Mortgage to verify payment was received. Representative " XXXX '' informed me payment was received but was mistakenly misapplied. XXXX assured me this would be corrected, congratulated me on the ownership of my home and informed me I would receive the paperwork to take to my county office by XX/XX/XXXX.
As of the date of this complaint Citi Mortgage has not sent the paperwork XXXX told me I would receive relative to my mortgage payoff. However, I have been receiving statements and correspondence that indicate Citi Mortgage still considers my loan outstanding. Obviously, Citi Mortgage need to correct their mistake. The payment I sent for the XX/XX/XXXX payoff was misapplied per " XXXX ''. Listed below are statements and correspondence I have received to date. None of them reflect that my mortgage is paid in full : XX/XX/XXXX : Letter from Citi Mortgage requesting a " face to face '' interview regarding loan in default/avoid losing my home through acceleration of the mortgage or foreclosure. Upon receipt, I called and spoke to " XXXX '' -ID # XXXX referred me back to Citi Mortgage XXXX I spoke to " XXXX '' -ID # XXXX, who informed me that my 3rd quarter taxes had not been paid that " XXXX & XXXX '' was incorrect. After debating this issue, I asked for a supervisor. The account supervisor named " XXXX '' -ID # XXXX was very nasty and not willing to accept what I was told by the other ( 2 ) representatives of the same company she's employed by. She said I should go to my tax office and request a refund to pay them, this made absolutely no sense. On XX/XX/XXXX, I went to the city tax office to pay the 4th quarter taxes as instructed only to be told that my mortgage company paid my taxes on XX/XX/XXXX.
XX/XX/XXXX : Monthly Account Information Statement - AMOUNT DUE - {$3400.00} XX/XX/XXXX : Letter stating statement dated XX/XX/XXXX reflected incorrect total amount due.
XX/XX/XXXX : Payoff Statement Amount {$4500.00} good through XX/XX/XXXX ( Payment of $ XXXX not reflected ).
XX/XX/XXXX : Monthly Account Information Statement - Amount Due - {$4400.00} ( Statement shows payment of {$3800.00} as Unapplied Funds* ).
XX/XX/XXXX : Escrow Account Statement - Beginning XX/XX/XXXX, mortgage payment increased to {$960.00}.
XX/XX/XXXX : Letter re : past due mortgage payments. Amounts requested -n {$4500.00} which includes late charges and delinquency expenses.
XX/XX/XXXX : Monthly Account Information Statement : Amount due - {$4400.00}. ( Statement shows payment of {$3800.00} as unapplied funds* ).
XX/XX/XXXX : Monthly Account Information Statement : - Amount due - {$4600.00}. ( Statement shows payment of {$3800.00} as unapplied funds* reduced to {$3000.00} to pay principle, interest and escrow in the amount of {$810.00}.
XX/XX/XXXX : Escrow Account Statement : Beginning XXXX XXXX mortgage payment increases to {$1000.00}.
XX/XX/XXXX : Monthly Account Information Statement : Amount Due {$4600.00}. ( Statement shows the reduced amount of {$3000.00} as unapplied funds* ).
XX/XX/XXXX : Payoff Statement - Payoff amount - {$4700.00} good through XX/XX/XXXX ( Payment of {$3800.00} not reflected ).
XX/XX/XXXX : Mortgage Information Statement - Amount Due - {$4600.00} ( Statement shows reduced amount {$3000.00} as unapplied funds* ).
XX/XX/XXXX : Mortgage Information Statement - Amount due - {$4600.00} ( Statement shows reduced amount of {$3000.00} as unapplied funds* ).
XX/XX/XXXX : Prepayment Disclosure Statement - Total Payoff Amount - {$7200.00}.
*Unapplied funds are considered partial payments made prior to LOAN MATURITY and will not be returned or applied to your payoff. These funds will continue to be held in an unapplied funds account until we receive payment in full of your payoff amount. Following payment in full you will receive a refund check for all partial payment amounts.
Prior to Citi Mortgage, the mortgage holder was XXXX XXXX. I was experiencing financial difficulties and on XX/XX/XXXX, I received a letter requesting {$2300.00} be paid to avoid foreclosure. I sent the payment XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I received foreclosure papers that were filed with the Superior Court on XX/XX/XXXX. I was forced to obtain an attorney which cost me {$550.00}. On XX/XX/XXXX, I received a copy of a letter sent to my attorney from XXXX, XXXX XXXX XXXX ( attorneys for XXXX XXXX ) dismissing the foreclosure action because their clients had accepted payment of {$2300.00} prior to filing foreclosure action through the Superior Court. The Consent Order and Voluntary Dismissal ordered that " the matter is hereby voluntarily dismissed as to ALL CLAIMS OF ALL PARTIES. Yet, their attorney 's fees and miscellaneous charges were charged back to me.
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| 11/27/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Servicemember |
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On or about XX/XX/2021, I was researching loans online, I read some info on the various loan processes, and shortly after ending my search, I received a call from a person who identified himself as XXXX XXXX, a representative of XXXX XXXX.
As XXXX was speaking I pulled up the website XXXX and it appeared legitimate and what XXXX XXXX was saying was reflected on the website. XXXX XXXX asked about my work, salary, any additional income.to see how much I would qualify for a loan.
XXXX XXXX stated based on the info. I would qualify for a loan of {$10000.00}. He asked that I send him a photo ID ( I sent a photo of my driver 's license ). He later called and stated I needed to send a copy of my signature to verify the photo ID that I had sent in.
XXXX XXXX called again and stated the loan was approved, he sent me several documents stating the term of the loan, he asked for my banking information and my social security number so they could deposit the first part of the loan to my account to make sure it went through without any problem, and if there were no issues the rest of the money would follow.
XXXX XXXX told me the if at any time I wanted to do a buy now and pay later, the XXXX XXXX does offer that program, he asked what stores do I shop at, I mentioned several stores, one of the stores was XXXX. He stated I would need to go to XXXX and purchase several gift cards for no less than {$1000.00} on each card and call in the info on the card so they could set up a buy now and pay later account, he said I was protected because they had already deposited the money into my account, and they would send me a copy of the check deposited to my account at Citibank to verify the deposit.
I followed the instructions in regards to the gift cards, and XXXX XXXX sent me a copy of a check made out to me in the amount of {$10000.00} which he said was deposited at Citibank. Upon review of the check, some information did not seem consistent, for example instead of the check being drawn from the XXXX XXXX account it stated the City of XXXX XXXX the signature was not mine and they had not asked me to sign a check either, also my name on the signature that was on the back of the check was misspelled. I went online to double-check my account and found I was locked out. I called the bank and the bank said my account was locked out because it was overdrawn. I was told the money in my account was reversed to sender and they could not tell me how much because I no longer had access. i called the number that XXXX XXXX was calling me from and no one was picking up.
I tried to work with the bank in resolving the matter, but the call was answered by an overseas party that handles Citibank calls, she had a problem understanding what I was saying and kept asking the same questions over and over and I also had difficulty understanding her, I asked to be transferred to the XXXX customer service and was put on hold for 40 minutes and then the call was disconnected. The second time I called and asked to be transferred to the US I was told I would receive a call the following morning, however, that never happened.
My mother and I ( I wanted her to be able to communicate with the bank in the event I could not ) made several trips to Citibank local office on XXXX XXXX in XXXXXXXX XXXX and they suggested that I contacted the XXXX XXXX to resolve the matter, my mother informed them no one was answering so the gave her the phone number that had on record, however that did not match the number that was contacting me or on their documents. My mother called from Citibank and they said they had no record of a loan to XXXX XXXX XXXX XXXX with that phone number ( cell phone ), the account number provided by XXXX XXXX, and no one working there by that name.
I attempted to file a report with XXXX XXXX, however, they needed documentation from the bank of a fraudulent transaction and the bank would not provide me with anything. I was locked out of the account, my money was gone and I advised them that in XXXX I was scheduled to receive my monthly Veteran Administration XXXX check ( I have a direct depot payment set up with them ( Citibank ) for my monthly VA XXXX check and my Child Care payment ; I have a XXXX daughter who lives with me and I have Court approved sole custody, I explained to them without my XXXX check and child care payments I would not be able to pay my bills and this was an urgent matter.
The Citibank representative XXXX XXXX XXXX, stated I should contact the VA and have them send out a paper check instead of direct deposit, The VA told me it was too late to stop the direct payment for XXXX and I should talk to the bank, which I did and was told by XXXX XXXX the check would be sent back to the VA within XXXX days. XXXX XXXX also told my mother this, XXXX days later the VA stated they did not have the XXXX payment returned to them. I contacted XXXX XXXX who stated the money deposited in my account ( the VA XXXX check and the child care payment ) was not returned because of the overdraught.
I have no way of knowing how much Citibank intends of taking from my account or how much was already taken. As of now, it has been over {$5000.00} that I have lost and can not pay my bills.
Recently Citibank notified me they denied my fraud claim, no reason was given, I did a search on the XXXX XXXX XXXX and found many complaints that people state they either don't investigate or just make one call and then deny with on follow through. A family member also told me they had the same experience with Citibank desire all the proof she provided.
Citibank stated they did not find it to be a case of fraud, yet they took money to reverse without having any documents stating I had approved it, Citibank has my signature on record yet if the XXXX XXXX submitted documents they should have verified that the signature which would show a misspelled last name and the signature at Citibank could not possibly match anything that was provided by a fraudulent party,
|
| 09/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American, Servicemember |
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I have 2 issues. One is with Citibank and the second is with the police. My issue is more complicated than just dealing with the card company. But the card company, CitiBank has been worse than useless to work with. They have refused to BLOCK my credit card account to stop all purchases.They will only LOCK the account which still allows all of the fraudulent recurring monthly purchases to still be allowed to continue for the Identity Thief 's benefit. Her cell phone, and many digital services such as XXXX will all continue to be paid.
The identity thief is a renter in my home. We share the house. This person stole my credit card out of my wallet while I was sleeping. it was used to make XXXX in person purchases. Then white out was painted on the XXXX and XX/XX/2022 statements before I had checked the statements to hide the fact that they had gone shopping and rented a {$260.00} tuxedo for their teen 's prom in XXXX. ( I only discovered this serious issue on XX/XX/XXXX ).
The current problem stems from another incident in XX/XX/2022, I caught that the identity thief had attached her cell phone to a different credit card of mine. When she realized that I was online trying to straighten out the mess she went online and deactivated my phone and took over my cell phone account. She permanently erased my cell phone number and history from my cell phone account so that I was unable to get any help from the cell phone company the next day when I discovered what she had done. I had to switch my company and buy a new cell phone. Because of the deactivation of my phone -- when I tried to alert Citibank to the fraud on the account the agent could not send a text to my new cell phone because their records did not show that my new cell phone was attached to my name or my account with them. Therefore CitiBank could not verify my identity to make changes to my Citibank account status. Citibank would not BLOCK my account from any further charges because they could not verify my identity. They told me to go to a branch but there is no branch near my location. I could only find citibank ATM only locations. I can't even report the stolen card or the purchases because they can't verify me over the phone. The agent told me that they were sending out a form but that it was going to take 10 days to get to me and then it would take longer to return to them in order to verify me by mail.
Problem 2 stemming from the fact that my identity can not be verified and the card can not be blocked, the thief was able to attach her cell phone to my citibank account as a recurring charge and several other digital services to my card before Citibank LOCKED my card. That means all recurring charges are still paid by Citibank until the card is permanently BLOCKED for FRAUD. After that I also discovered that there was white out painted on both of my Citibank statements for XXXX and XX/XX/2022. When I downloaded the statements, a few days ago, I learned that there were XXXX in person purchases with my credit card. The large purchase was for a tuxedo rental {$260.00}.
I went to the tuxedo shop and they gave me the receipt with the forged illegible signature, the signature was verified with a DMV ID number ( an adult was required to show ID to enter into the rental contract. ) The ID was not photocopied nor was the name written down. But the Name of the person wearing the tuxedo, who was the teen son and the name of the school and the prom date were all printed on the receipt along with the address we all share. Here is my question : A police report was opened on XX/XX/2022. The police officer was provided all of the information along with the ID # but the police officer will not give the name of the adult who had possession of my credit card. It could have been the Mother, the sister, the father or a friend who used my card. I need to know, I am trying to get a restraining order for XXXX XXXX XXXX XXXXXXXX I need that name on the ID to present to the judge. The police officer told me that I can't even see his report until it is done and he told me that it would be a long investigation. How can there be a long investigation when he already has ALL of the evidence? What I understand as a layman from reading up on The Fair Credit Reporting Act and Section 609 ( e ) the police officer should be releasing that information from the ID card to help me to protect myself from these people. If the store had photocopied this ID then they would have had to show me the photocopy with the picture, the name, and the address. Is the police officer misapplying the law in my case harming me in the process. The police report is in New Hampshire.
I also have another huge criminal case opened in Vermont against these people who have stolen {$50000.00} dollars from me through all sorts of identity theft methods. I don't understand why laws are so lax that the police haven't any reason to arrest these people or why renters rights trump the person who owns the house who is being robbed by these people. A store can serve a No Trespass Order just for shoplifting some items from the shelves. I know this because this person has been served several No Trespass orders for shoplifting, while I am not allowed to lock these people out of my home who are stealing far more than they ever could from a grocery store or a XXXX store. The Vermont Police department refused to tell who the name on the ID card is for the same reason as the NH police, both citing privacy laws for the thief who gave their ID in Public in order to steal services using my credit card. And if the store had made a copy to protect their business then it would have been required for the business to show me the ID card. And from what I understand the business is shielded from privacy laws when sharing the information with the person who has had their identity stolen. The victims rights are supposed to trump the thief 's rights to privacy.
AM I CORRECT? What can I do in this situation to get the name on the ID card?
|
| 10/07/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX, I purchased a XXXX XXXX from a seller though XXXX. Sellers name is XXXX. The item listed online in the pictures seller provided as pure fresh green without visible discoloration or stains. In the sellers description, he used language as Bright color Rare Color, Premium grade Very plump But, the actual item I received is a counterfeited item full of deep dark stains which is undeniable super low-grade stone, and totally not as described as in sellers listing pictures or descriptions.
I then contacted XXXX and opened a case with case number XXXX XXXX XXXX - XXXX. On XX/XX/XXXX XXXX informed me that the seller had agreed on full refund, and the full refund would be issued by XXXX after I return the item, also XXXX provided me the sellers return address. I returned the item as requested on XX/XX/XXXX, and uploaded the tracking number in my case in XXXX which is XXXX.
The item was received by the seller on XX/XX/XXXX. It was delivered successfully. According to XXXX policy and agreement they indicated in the email between the 3 parties involved : XXXX, me and the seller, that once the conditions are met which are : I returned the item and the item is delivered by the address seller provided ( as the indication of arrival and reception ), the effect of full refund should be satisfied.
But, XXXX had told me that if the item was lost during the XXXX Post Office, I would not be able to get my money back, which is controdictory to its policy. The I contacted my bank Citi bank for dispute on XX/XX/XXXX. And on XX/XX/XXXX, I was informed by Citi that their investigation is not favor in me, due to XXXX 's refusal and evidence they presented.
XXXX presented fraudulent and self contradictory evidences with false claim as the return was never shipped out. XXXX used it as the reasoning for refusing return my payment.
XXXX refusal for issuing the full refund is breaching the contract according the obligation XXXX should fulfill in the dispute of transaction, also is acting as confederate of online intentional scam.
As my primary bank Citi, did not fulfill their due diligent to even notice the obvious wrong tracking XXXX is using for its ' claim. Now I am bearing the damage of being scammed due to XXXX failed to fulfill its obligation and intentionally failed to disclose the crucial information regarding the transaction as the result for misleading, and Citi failed to fulfill due diligent as the requirement for investigation.
Please help me get my money back, since I did not do anything wrong as a victim. I have followed the guidance XXXX provided and cooperated in the hope of resolving this matter. Also, upon agreement of full refund with XXXX and the seller. I have fulfilled my obligation of returning the item regarding the address listed on XXXX agreement. But, now I am the one bearing the economic damage on not having the item that I intended to purchase listed in seller 's pictures, or the {$2200.00}.
Please reference the attached evidence for corresponding details mentioned above.
Continue : Responding the documents that XXXX provided : 1. Regarding the tracking number presented by XXXX ( showing the label was created ) and comparing the tracking number on the shipping label I created. The number XXXX provided began with XXXX, but the actual number in the shipping label I bought also as evidence XXXX provided is beginning with XXXX. This self-contractionary is not accident, but intentional. In my evidence I presented, on XX/XX/XXXX I have uploaded the correct number in XXXX system ; which indicated that XXXX using a faulty tracking number as reasoning to support them not fulfill their obligation of returning my payment, is intentionally fraudulent.
2. XXXX also provided internal catalog of conversation on XX/XX/XXXX that seller claimed the item was not received or shipped on the same day. Please reference the official agreement that XXXX sent to me on the XX/XX/XXXX regarding condition for full refund and address for return. Also, in my evidence that on the same day XX/XX/XXXX, I have uploaded the tracking information in XXXX and the shipping label for return. And even in XXXX evidence of my shipping label included the time stamp supported my reasoning. For the international primary shipping the estimate date is 10 days. For XXXX exclusively presenting this faulty claim as their reasoning of refusal of fulfilling their obligation on the agreement between me, seller and XXXX on XX/XX/XXXX, is clear that XXXX intention here is not just breaching the contract, also proactively and intentionally be fraudulent and be part of the scamming activities.
3. Regarding the chat history the seller provided, there is not time stamps on any conversation, but any reasonable person read the content would see the content is about item inquiry and payment which happened before the item was shipped by the seller. Please reference the document attached that according to the seller in the chat, the item was shipped out on XX/XX/XXXX, and was received on XX/XX/XXXX. Also, please see the only time stamp the seller provided is at the bottom of all the conversation as XX/XX/XXXX, which means all the conversation before seller and XXXX presented was before seller even shipped out the item. This is totally irrelevant to the argument. No support to any reasoning for XXXX refusal of returning my payment.
4. All the evidence XXXX provided to back up its reasoning was after XXXX the date that the returned item was successfully delivered to the seller. This support the conclusion that XXXX intentional fraudulent act and intentionally breaches the contract for which it has failed to fulfill its obligation as the safeguard for online scamming activities.
5. Seller has relisted this item online as {$2700.00}.
6. All the information I provided is matter of fact and black and white. Through the truth, we can see how weak XXXX reasoning, claim is and how absurd the intention, motivation behind their illegal fraudulent act.
|
| 06/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I am a XXXX citizen and I have been a loyal customer of Citibank since XXXX. Over those XXXX years, I never gave any problems. I have a simple package of current & saving accounts ( one individual account, and one with my husband ), plus CDAs from time to time. I am writing because Citibank has blocked my account and a flaw in their process is preventing me from unblocking it.
I moved from the XXXX to XXXX in XXXX. I updated my contact information with Citibank, and they have on their records XXXX XXXX mailing addresses ( in one of them I have received there countless letters in these almost XXXX years, latest one in XXXX this year ). Citibank also has on their systems a XXXX mobile number and a XXXX mobile number, both still valid and where I have received automated SMS from Citibank systems ( latest one in XX/XX/XXXX ).
In XX/XX/XXXX, I visited friends in XXXX. It was the first time I was in the XXXX since before the pandemic. I visited a Citibank branch to open two CDAs, and make some updates to my account, as per the bank clerk recommendation. He suggested I upgraded to Citi Priority. During the change in the account package, I gave a second XXXX email address. The clerk told me I had to give a XXXX number ( they will never use it, they said ) so I gave my friends mobile number.
Because my debit card was expiring this XXXX, I requested a new debit card at the branch, and used it for the first time in 3 years ( to get some cash, pay in two restaurants and in one souvenir shop ). I guess this activity may have looked suspicious to Citibank and they blocked my account. I was only in the XXXX between XX/XX/XXXX and XX/XX/XXXX. When I was back in XXXX, I received an email to call their Fraud prevention line to fix the issue. I promptly did the same day I got the email ( XX/XX/XXXX ). The person on the line told me that the only way to unblock my account was if I called them from a verified XXXX number. I explained to her that I do not own a XXXX number for XXXX years and that they have both my XXXX and my XXXX numbers on their systems. But they do not accept international numbers for verification. I also told her my friends phone number but she said that was not the right one.
Right before hanging up on me, the fraud department employee said that a letter with a reference number would be sent to my address on record, and that I could call with that number to unfreeze the account.
Citibank has also blocked my online access to my accounts, I can not use my registered email/password to see balances or movements or to make any operations ( with neither my individual account or my joint account, which is not blocked ).
Over two weeks passed and the letter did not arrive ( another letter for a separate topic did arrive, proving once more that they have my XXXX address correctly registered ). On XX/XX/XXXX, I called again the Citibank Fraud department. The person on the phone this time told me there was no record of a letter being sent to my mailing address and that the only way to unblock my account was if I called them from a XXXX verified number, and she refused to pass me to a supervisor and proceed to hang up on me. Again, this person tried my XXXX and XXXX numbers and said they were not valid to verify my identity. I tried calling XXXX Customer Service. The person that attended me, XXXX, was very kind, and explained that only one of my accounts ( the main one, for which I am the only signer ) is blocked and passed me with her supervisor XXXX, who then pass me with the Fraud department ( XXXX XXXX, who then passed me with a Fraud supervisor called XXXX. She promised me she will send me a letter with a reference number to my XXXX mailing address and that I should receive it in 7-10 days.
The balances in my blocked accounts are : savings : {$1900.00}, checking : {$2100.00}. Im attaching the emails with the weekly balances I still receive. My third account, with a balance of {$2000.00} is not blocked.
Additionally, I have {$70000.00} in CDAs that will expire in XX/XX/XXXX and that are linked to my main ( blocked ) account. Im attaching the document from Citi branch listing the CDAs I opened.
I called again the Fraud department on XX/XX/XXXX. The person who attended my call, XXXX, could not confirm whether a letter was sent out or not. I asked to speak to a supervisor, who told me the only way to verify my identity was to call from a verified XXXX number. Then, she proceeded to hang up on me.
I also wrote the branch clerk. He said he will look into it, but no resolution yet.
Citibank Fraud department wont accept any other ways of verification. I have two security questions, a security number, I offered to send them my passport, my SS card, tell them the balance in the accounts. They wont even tell me if going to a physical branch could help.
On XX/XX/XXXX I called the Citibank Customer Service number, this time the person on the phone, XXXX, said he couldn't help me, only the Fraud department can unblock my account. He did not offer any information as to how long the account will remain blocked, if I will lose all the money there, what would be the next steps. Nothing, total black box.
No one at Citibank told me when I moved overseas that I would need to keep a XXXX number for verification purposes. I am now in an impossible situation, unable to unblock my account and have access to my own money.
I am attaching the following documentation : Document from Citi branch listing the CDAs I opened, which shows the new XXXX address I gave ( XXXX XXXX XXXX XXXX XXXX ) Form 1099 sent this year for my XXXX taxes, indicating my old XXXX address ( XXXX XXXX XXXX XXXX ) Citibank email indicating my account was blocked Emails indicating the balance of my accounts ( checking & Savings ) this week and also the balance at the beginning of XXXX, to show that there the balance in the accounts have not changed much ( only the XXXX XXXXXXXX for the CDAs ). It is not like there were crazy charges or anything.
|
| 07/04/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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This complaint is in response to " Citibank 's Response Letter_dated XXXX ''. REAL FACT 1 Citibank Personal banker, XXXX XXXX XXXX, had never told me that Citibank would have to pay off and close my XXXX HELOC account and he never informed me Citibank does not lend in third lien position. See my support email Citibank Heloc_Email_Asking to close my XXXX HELOC : XXXX/XXXX/XXXX @ XXXX XXXX emailed to ask me to sign a document allowing Citibank to request a payoff statement from XXXX XXXX XXXX/XXXX/XXXX @ XXXX I wrote email to XXXX about our conversation on the first day before submitting my application and on the email I asked if Citibank would pay for the XXXX penalty. The conversation on the first day before submitting the HELOC application was basically informing him that I must have my XXXX HELOC open for three years to avoid a penalty ; He told me he understood and it would be fine that I could pay it off and let it open as INACTIVE till the third year of my withdrawal period is done with XXXX. XXXX/XXXX/XXXX @ XXXX XXXX emailed me, Hello sir, Hold on ok. I forwarded the info to XXXX. This email chain shows that : XXXX DID NOT deny it. XXXX DID NOT tell me about I must close my XXXX account. XXXX DID assure me not to worry and it would not be a problem that I COULD keep my XXXX account open after I pay it off as inactive till the end of my third year. XXXX DID NOT inform me that Citibank does not lend in third lien position. There are no facts to support otherwise. If they were, please provide. REAL FACT 2 On XXXX/XXXX/XXXX, Citibank Processor, XXXX XXXX, did email me asked me to sign a document allowing Citibank to request a payoff statement from XXXX and close the account. NO ONE ever communicated with me to close my XXXX HELOC account BEFORE that date. I submitted the XXXX agreement on XXXX/XXXX/XXXX with a check for HELOC application to my CoOp board and had it signed on XXXX/XXXX/XXXX. So, XXXX/XXXX/XXXX was already too late. If anyone would had told me about this, I would not have applied for the HELOC with Citibank in the first place. From the start, I informed XXXX that I did not want to close my XXXX HELOC account. I never spoke with XXXX. I only communicated with her via emails. Provide me with the records that XXXX communicated verbally with me on several occasions explaining that Citibank would need to close my XXXX HELOC prior to XXXX/XXXX/XXXX. See my support email Citibank Heloc_Email_Approved for XXXX from XXXX, XXXX XXXX ; sent Tuesday, XXXX XXXX, XXXX XXXX ; To XXXX, XXXX XXXX XXXX Subject RE : XXXX XXXX. She wrote, Hello XXXX, The borrower is going to get the Promo of Prime - .51 % for the First 12 months and {$100000.00} We do have to send out a New XXXX Agreement. Payoffs : XXXX ( Heloc ) XXXX XXXX XXXX XXXX Total {$60000.00}. Her email proofs that she did not inform me or request that I must close my XXXX HELOC ( XXXX ( Heloc ) ). She misled and deceived me into believing I only need to payoff my XXXX HELOC and keep it open as INACTIVE. REAL FACT 3 Citibanks response letter ( dated XXXX/XXXX/XXXX ) from XXXX XXXX stated, You informed XXXX XXXX that you were not familiar with the PrePayment Penalty fee from XXXX until you were late in the application process with Citibank. This is absolutely NOT CORRECT. I HAD informed XXXX XXXX the first day I came to Citibank to ask information about a HELOC that I currently have a HELOC with XXXX, signed on XXXX XXXX, with a clause that I may not close it within 3 years during the withdrawal period because I would get charged an early termination penalty. I told him I did not want to close it early and did not want to pay an early termination penalty fee. I would use the Citibank HELOC to pay off my XXXX HELOC but keep it open with XXXX balance. XXXX said that he understood and not to worry about it. He said I could keep my first HELOC with XXXX open as INACTIVE till the end of the withdrawal period with XXXX. So, I agreed to submit the HELOC application with Citibank on that same day. See my support email Citibank Heloc_Email_Asking to close my XXXX HELOC ( same explanation as REAL FACT 1 above ). Also, see my support email Citibank Heloc_Email_Approved for XXXX ( same explanation as REAL FACT 2 above ). REAL FACT 4. I did NOT informed Citibank that I did not wish to move forward in the process to obtain the HELOC with Citibank. I DO want to move forward in the process to obtain the HELOC with Citibank without closing my XXXX HELOC as it was not on our original agreement as one of the requirements when I applied for the HELOC. The COMMITMENT LETTER and XXXX AGREEMENT did NOT state that Citibank would have to pay off and close my XXXX HELOC account. It was NOT listed as one of the requirements I must fulfill to close. See my support XXXX Citibank HELOC Commitment Letter only stated, Payoffs : The following are items required to be paid with the proceeds of this loan. XXXX {$1200.00} and XXXX XXXX XXXX {$8200.00}. There was no mentioning about my XXXX XXXX must be closed. Also, see my support email Citibank Heloc_Email_Approved for XXXX ( same explanation as REAL FACT 2 above ). IN SUMMARY Per the above facts and supports, Citibank failed to disclose/inform me as a consumer that I must close my XXXX HELOC account as one of the requirements to apply for Citbank HELOC. Citibank ( through its personal banker, XXXX XXXX XXXX, and its processor, XXXX XXXX ) deceived me with false promise into submitting a HELOC application with Citibank. See my explanation on REAL FACT 3. Citibank mistreated my application while finding excuses to deny my application after more than three months playing with my emotions, and wasting my time, my energy, and ultimately, my money. Citibanks employees, XXXX XXXX XXXX and XXXX XXXX, are lying to their internal investigator ( executive response specialist ) in the course of the review of the above situation. I respectfully request a refund of {$350.00} HELOC application fee I had paid my CoOp board.
|
| 09/30/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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Dear Sir or Madam, 1. DSNB MACYS Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and 60 days late payments on XX/XX/XXXX and XX/XX/XXXX as well as 90 late payments on XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with DSNB MACYS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 03/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
|
I applied for, was approved, and received a Citi Diamond Preferred MasterCard with a {$6300.00} credit limit and 0 % interest for 21 months on purchases & balance transfers. I submitted the application and received approval on XX/XX/XXXX. However, getting there was a challenge because I have a credit freeze in place at all 3 agencies ( just for general security & for 10 years ) and Citi refused to tell me which agency they would use. So, I had to lift the freeze for all 3 agencies, which caused considerable delay, hassle, and cost me {$10.00} because I was missing one of the PIN numbers. All unnecessary because that was not the agency they used.
The reason I acquired this card in the first place was to make several major purchases and then, hopefully, pay down the balance prior to expiration of the no interest period. One of those items was a camera and I found a great deal ( for {$1700.00} ) on my chosen model prior to getting the card so I put it on another card. I then decided to use my new Citibank card exclusively for all smaller purchases until they totaled {$1700.00}. Which I began to do.
Another item I wanted to purchase were components to build a new desktop PC. I had an email with a one-day sale at XXXX including several of the items I wanted. I spent several hours putting together an order and tried to pay with my Citibank card. That was XX/XX/XXXX.
Thats when the nightmare started. After I entered the credit card info, I was given a weird message that I was being directed to my cards website for some kind of verification. Ive been using credit cards for decades and shopping online for a very long time and have never seen anything like that before. I entered the requested information and was sent back to XXXX. I saw an order confirmation email and didnt think any more of it. But after a little while I notice several emails including one that my card had been declined with link to re-enter credit card information. I tried again but my Citibank card was declined again.
I then signed on to my online Citi account and saw a warning about possible fraud and there was a number to call. So I did. But I didnt get through and then called the number on the back of the card. But I used my home phone instead of my cell ( I used my cell # when I set up my account ). Im not sure if using my home phone was a problem. If it was a problem Citi should have ended the call with instructions to call back using the number I had used to open the account. Or end the call and then Citi call me back on the number on my account. Citi has never called, ever. Other credit cards call me if there is something suspicious and the situation is quickly resolved. Just like the XXXX XXXX ad on TV. I have since added my home phone number to my account.
The phone call was ridiculous. No issues with the rep. She was doing the best she could with lousy Citi procedures. She wanted to know about other credit cards & bank accounts I had. Apparently, she needed to contact another bank for reasons I do not understand. But every bank was the same story : Im sorry sir, we do have an agreement with that bank. They created a security risk for me by requesting that information. Any information they are entitled to is on my credit report, which they got when I applied.
We made no progress and I was told I would have to wait for a letter with a form to complete & send back. Its clear to me that this is all about protecting Citibank. The risk from fraud is theirs, not mine. But they have never explained what the fraud was XXXX I doubt there was any ). I didnt want waste all the time ( and sale prices ) I had put into my order for Newegg so I put the order on another ( interest bearing ) credit card.
Again, that was XXXX. I was able to use my card earlier that day but it has been frozen since. But was only able to charge about {$760.00} before my card was frozen.
The next day ( XXXX ) I called back, this time on my cell phone ( the number associated with my account ). But no luck. I still have to wait for the letter. But at one point the rep asked for my password. I cant believe I was so stupid to give out my password over the phone. Citi created a security risk for me. No other card or bank has ever asked for a password. Giving them my password proved it was really me but I still had to wait for the letter. I have since changed my password.
The letter arrived on XXXX with IRS form XXXX. It said something about changing my SSN. I was stunned. I certainly never asked to change my SSN. I didnt know you could do that. I called immediately. Sorry for the confusion, just fill it out & send it back and you can FAX it to this #. So, I did that day XX/XX/XXXX, and sent it via USPS the next day. But I've had no response since. No phone call, no letter, no explanation, nothing. They don't need my SSN. They got it when I applied.
Next, I sent them a detailed letter, dated XXXX, containing much of the above paragraphs and more. I sent it certified with delivery confirmation and received the confirmation. I gave them 10 days to respond, but, again, no phone call, no letter, no explanation, nothing. My credit card is still unusable as of today, XX/XX/XXXX. I know it's been a while so I guess I'm guilty of being too patient.
I have excellent credit. Citi sent me an email inviting me to check my FICO score. XXXX out of XXXX. My insurance credit score is XXXX. I recently applied for an auto loan and my credit score was XXXX.
They have caused me unbelievable irritation and aggravation. Ive lay awake at night so aggravated by all of this. In this day & age of tough competition and intense customer service, Citi has failed me severely. Theyve wasted my time. Theyve created a security risk for me. And theyve cost me {$10.00} plus more in the future because charges that would have gone on my Citibank card will now incur interest charges. Call me stupid but I've made additional purchases in the sincere belief that Citi will make this right.
|
| 10/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
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Dear Sir or Madam, 1. THD/CBNA Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I immediately disputed this information with THD/CBNA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 01/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I had a subscription to XXXX XXXX XXXX XXXX ( from XXXX XXXX ) that was due to renew in XXXX ( though I couldnt remember the date at the time ). I didnt have $ XXXX to spend on the subscription and sent them an email on XX/XX/XXXX asking them to cancel my subscription. They responded the same day and stated that they cancelled my subscription and I would not be charged.
One day later on XX/XX/XXXX ( billed to my card on XX/XX/XXXX ), they charged my credit card {$250.00}. I attempted to contact the company via email again and they sent the same response stating that it was cancelled and I wouldnt be charged. My 2nd reply went unanswered. I attempted several times to call the phone number listed on the shipping label ( they have no phone number listed anywhere for contact ) but it simply went to a fast busy signal.
At this point, since I couldnt resolve the issue with the retailer, I contacted CitiBank, the issuer of my L.L.Bean MasterCard to dispute the charge. On XX/XX/XXXX, I received a letter dated XX/XX/XXXXfrom the bank stating based on the information they obtained in their investigation, they are unable to obtain a credit from the merchant and I would be responsible for the charge. I called and spoke with a representative at the bank and explained that I have the receipt from XXXX XXXX XXXX XXXXXXXX showing that my renewal should not have been charged to my account until XX/XX/XXXX as well as an email from them stating my subscription had been canceled and I would not be charged. She stated I could fax any additional information to them and they would reopen the case, which I did that day on XX/XX/XXXX.
I called CitiBank on XX/XX/XXXX to confirm they had received my fax and that they had reopened the case because my account online was still showing the charge on my account. The representative I spoke with that day said that they had approved the dispute and they were working to credit my account. She stated that it may take 2 weeks for the credit, so since my payment due date was XX/XX/XXXX I asked if I needed to pay it to avoid any late fees or charges and she said no, I would not be assessed any fees since the charge is in dispute and to not worry about paying it.
My payment due date came and went and when I checked my account on XX/XX/XXXX it was showing as past due! I tried to chat with a representative online ( XXXX ) but since my account was showing past due, it would only let me chat with someone in collections and she said she did not see any note on the account about there being a resolution to the case.
So, I immediately called ( same day, XX/XX/XXXX ) and asked for a supervisor in the disputes department. I believe his name was XXXX and he said oh, he was sorry but it looks like the case was never actually reopened When they received the fax they just added it to the file and didnt reopen the case. He removed the late fee and interest charge that been assessed to my account and said he would reopen the case and pend it for the next day. With that said he also noted the upcoming XXXX XXXX XXXX holiday and said there might be a delay because of that if the agent responsible for my case is on vacation, but he expected a resolution immediately following the holiday.
On XX/XX/XXXX I checked my account and it was still showing as past due. I called once again, this time speaking with XXXX. She stated that it should not be showing as past due since its in dispute so she would let the dispute department know and it would be removed from delinquent status in 1-2 business days.
On XX/XX/XXXX my account was still showing past due I called again and asked for a supervisor. This time, I spoke with XXXX who agreed that it doesnt make any sense why there has been no movement on the case and didnt know why the past due status hadnt been removed, but informed me that the only thing he could do was add notes. Even as a supervisor, the best he could do was add notes for the agent investigating and send feedback to higher ups on my behalf, as they have no way to contact the investigators directly.
On XX/XX/XXXX the collections department at CitiBank called me asking for payment. I explained that this was a charge in dispute and I have called 5 times about it. He looked at the notes and saw exactly what I was saying and said well, he could get me over to the disputes department if I wanted to speak with them again. I said sure, go ahead and was connected with a representative. I explained everything, she asked me even more questions that were none of her business, and then said she would have to get a hold of a manager in disputes. I then spoke with XXXX and explained everything again. She said she didnt know why this was happening and she would add more notes. Again, even as a manager that was the best she could do.
I explained to XXXX, yet again, that I was really concerned that this was going to affect my credit and asked when the past due status would be reported to the credit bureaus. She stated that on XX/XX/XXXX it would be reported if there wasnt a resolution or I didnt pay. I asked if she expected this to be resolved by then and she said yes. I said well, with the current track record, I am a bit hesitant to believe that, so if I need to make a payment to prevent this from screwing over my credit, when do I need to do that and for how much. She stated that if I paid the past due amount of {$28.00}, I would be good through the current billing cycle and {$62.00} to be current through XXXX.
Well, today is XX/XX/XXXX and my account is still showing past due. Since my payment due date was yesterday, I now have another late fee and will have interest charged. I made the decision to go ahead and make the minimum payment of {$58.00} on my account today, which it now shows as pending, as I do not want this to affect my credit rating. I have worked hard to get my credit to excellent standing and I am not about to have this foolish mistake on the part of CitiBank mess that up!
|
| 10/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX, XXXX Citi Card Case My name is XXXX XXXX and I opened my Citi credit card account in XXXX XXXX with Citi Bank. My credit score at that time was XXXX. I opened this account in order to pay off a traffic violation debt. I ended up taking out a cash advance in order to pay off my fine. After I had used the card to pay my debt to the courts, I was diligent in paying my monthly payments on time. Unfortunately I was the victim of fraud when unbeknownst to me my card had been stolen and as my account had been hacked. My email XXXXXXXXXXXX was also hacked which is where all of citi card updates were being sent to.
I reported the card and my account I was told was supposedly closed. Many fraudulent charges were put on my card that had not been rectified prior to closing the account. These charges were not made by me and I explained that to a Citi bank representative. I had numerous conversations with Citi about the fraud that was accruing only to be told to stop paying on the card while an investigation was taken place. In the itemized description of my credit card you can see numerous purchases being made on certain days. I was also informed by Citi Card employee, that all the charges and late fees would be credited back to my account. Citi card lacked documenting my account which caused confusion every time I tried to speak to someone. None of the fees were ever fully credited back and only half the charges were credited to me. I was also charged the interest of the highest balance that was not my debt and never was my interest adjusted to my personal debt. The end of XXXX and all of XXXX, I went back and forth with Citi bank representative who in my opinion was very unprofessional. The representative wouldnt listen to the details of my case, continuously transferring me to different departments where I would be put on hold for hours. Furthermore, I had to repeatedly explain my case to every new employee I spoke with due to lack of communication and documentation on Citis part. I was also inconveniently unable to look up on Citi card on Citis website as it stated the card was blocked and to call an agent which was incredibly inconvenient and kept me from having access to view my own account to have a better understanding of the mess that was continuously taking place.
I was then sent itemized statements that I highlighted, circled and sent back in order to be credited back numerous times that always resulted in difficulties, lack of communication and never resulted in what I was told from employees would happen ; such as credits, settlements, and adjusted accounts. When I would call to try to make a payment plan with the Citi or find out the reasoning of my outrageous balance, they were completely unreasonable stating I would have to put down hundreds of dollars to bring my account current which is merely a reasonable payment plan for an XXXX XXXX XXXX. When I would state that my balance should not even be that high due to fraud and fees I should not be accounted for, Citi card refused to work with me.
Late XXXX I was sent notices to pay hundreds of dollars to bring my account current when I did not make the charges that were being claimed. I couldnt believe the balance of debt they claimed I owed and when I spoke to a Citi card employee! In XXXX XXXX I made a {$500.00} payment to settle the debt I owed claiming my fraud had been credit back. After doing so I never received any confirmation of settlement. I was later surprised by another notice in XXXX XXXX that my account was going into collections, that my settlement was actually credited as a payment back in XXXX to a climbing debt of {$2500.00}! The {$500.00} payment I had sent was quickly overlapped by excessive fees and interest even AFTER being sent to a collections agency which I was also informed wouldnt happen and my debt was clear. Currently my card is at a high balance of an unbelievable {$2600.00} that is not only impossible for me to pay off but also has drastically pulled my credit score down to the low 500s. I am a young college student who is trying to build my credit and be responsible. This has had such a negative effect in all aspects of my life and I blame Citi Bank for their poor, unorganized, lack of training customer service for ruining my life.
I have paid well over the amount I owed and feel I have been taken full advantage of and robbed of my money for false pretense of citi card employees stating my account will be refunded, up to date, and even settled. I have repeatedly gone over my account with different employees who fail to document my case, give false information, who will not work with me by any means, and continued to charge my account with sky high interest, late fees, on a monthly bases that has charged my closed card that was supposedly settled, over my limit eating up all the money I have already put in to settle my debt! As a current employee to XXXXXXXX XXXX and aware of what proper customer service really is, I would NEVER refer anyone to use this bank, as their customer service has no intent to help their customer, they are completely unorganized, and take full advantage of their customers. This horribly unfortunate situation, has wrong adverse affect on my credit report, and is the ONLY problem I have ever had on my credit. I am a young college student, XXXX XXXX and currently XXXX from work who cant afford this outrageous payment that is for one is not my debt and two should not bare the consequences on my credit that will affect the rest of my life. I believe it is fair to expunge citi card off my credit report and clear a debt that should never have been mine in the first place. This will help me in all aspect of my life incredibly. Opening Citi credit card was the worst mistake of my life, and I feel I have every right to be refunded not only the debt but also expunge from my credit report! Please contact me for any questions or concerns via email at XXXXXXXXXXXX or my cell XXXX.
|
| 05/24/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I have attempted to establish an automatic payment allocation request in order to pay on my revolving account and then excess to be applied towards my promotional balance. Despite numerous efforts and various individuals on-line and via phone I never could get a clear response on whether I could establish this request, which by the way this language ( automatic payment allocation request ) was provided to me by the credit card company ( Department Stores National Bank ) associate via email on XX/XX/2019 @ XXXX. Despite my efforts I realized that the only way to ensure I could make payments on my promotional balance was to make a one-time payment after my monthly auto payment posted. So on XX/XX/XXXX @ XXXX I called and spoke with a gentleman who during the conversation stated he COULD set up the automatic payment allocation request ( according to website the conversations are taped ). So I made my one-time payment ( {$530.00} ) towards my promotional balance and my {$300.00} auto payment had already been processed since it is an auto payment, but the statement was not available until XX/XX/XXXX for me to know what Macy 's had done. Previous months my auto payments were in the amount of {$400.00} and always had been applied towards the revolving credit and outstanding balances, per Macy 's policy that monies are applied to revolving and outstanding balances. Anyway I requested, because this associate said he could it for me to set up an auto payment of {$800.00} for the following month ( XX/XX/2019 ) and out of that {$800.00} I would have {$300.00} applied to the revolving and outstanding balances ( which exceeds the minimum amount due ) and {$500.00} towards my promotional balance. I requested some type of confirmation from him after I made this arrangement and I was told he could not provide such a document at that time. I then received notification on XX/XX/XXXX I had a message from Macy 's and noticed the letter stated auto payment of {$300.00}. I then realized there was an error. I called and spoke with someone who then told me no such auto payment allocation request program exists, despite me being told via phone and email that it did. I then clarified that the {$300.00} was only to be applied to revolving credit and outstanding balance and I would then pay the additional amount each month to pay on my promotional balance. I then received my statement on XX/XX/XXXX and realized that they had applied my {$300.00} auto payment partially to my promotional balance instead of being applied to the revolving credit and outstanding balance. The odd thing about all this is that I knew that I had to wait till my auto payment posted, which I could see on the website it had by the XXXX of XXXX. I waited purposely for that posting so that when I made that one-time payment of {$530.00} that all of that would be applied to my promotional balance. Plus all of my previous auto payments have been applied to the revolving credit and outstanding balances ( which according to Macy 's is the process and expectation ). Due to the historical mis-communication issues I have had with Macy 's and the ongoing lack of consistency in receiving information from Macy 's I decided I would also email my request after I made that call on that letter I received about setting up auto payment of {$300.00}. I did so to ensure this issue would be documented and had the expectation the error would be corrected. But the email response I received brought me concern as it stated it would take 1-2 billing cycles to correct the problem. Which does not make any sense when they can debit my account within 24 hours but takes them 30-60 days to correct the problem. Due to the error on how the auto payment was applied ( not completely to revolving and outstanding balances ) my interest accrued was higher. On my XX/XX/XXXX statement my minimum balance due for my XXXX payment was {$150.00}. I had an auto payment of {$300.00} and they applied only the minimum due ( {$150.00} ) and took the remaining of the {$300.00}, which was {$140.00} and applied to my promotional balance. I had already made a one time payment of {$530.00} for that balance that is why I wanted the {$300.00} towards my interest accruing balances, which is what they have done since I set up auto pay. In my May statement they applied {$7.00} to higher interest ( 27.49 % ) to the balance of {$120.00} charging interest accrued of {$2.00} leaving a balance of {$110.00}. The remaining of the minimum due which was {$150.00} was applied to the lower interest ( 26.75 % ) to the balance of {$2900.00} charging interest accrued of {$67.00} leaving balance owed of {$2800.00}. So if they had applied the payment correctly an additional {$140.00} would have been applied and I would have had a lower balance and less interest accrued. Actually if you review how they apply my payments that {$140.00} would have paid off that balance of {$120.00} because typically they apply $ XXXX {$150.00} to the other account each month. When I inquired to Macy 's on the issue and concern about correcting the interest accrued once they apply the monies correctly they would not respond to that question specifically. I have sent 4 emails demanding that answer. In lieu of their unethical and unreliable communication and business practices I fear they will not account for their mistake and I will not get the benefit I should have gotten without their mistake. Plus I asked them as well in those repeated emails to confirm that mistake would never occur because the evidence of what I said is in the tapes and reinforced with numerous emails. I also requested to be sent the credit card agreement on how they apply payments, basically their business practices in reference to how those practices directly affect me. They informed no such document exists. Now I find that highly unlikely when many individuals would like to read the fine print, but no fine print to review. How can that be legally allowable.
|
| 12/12/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dear officer, Hi, I am complaining to Citibank regarding my Home Depot Consumer Credit Card. I opened the Home Depot Consumer Credit Card in XXXX. On XX/XX/XXXX, The Home Depot Credit Card Company called me and informed me of my past due balance of {$2400.00}, and I reported those transactions were unauthorized use and fraudulent purchases. I told them I had not used my Home Depot Credit Card since this year. They canceled all the amounts from my Home Depot Credit card account on XX/XX/XXXX. But on XX/XX/XXXX, Citibank put back {$2400.00} in my account and sent me a new statement in XXXX. I have contacted the XXXX XXXX Department to dispute the fraudulent charges each month since XXXX.
In XXXX, when I called the XXXX XXXX Department, the representative told me all the items with those purchases were sent to my home address, but when I asked for the address, she refused to tell me. Later, I called the XXXX XXXX Department again, another representative told me an address I didnt know, I told her that since XXXX until now I only lived at XXXX different addresses which were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The lady told me I could provide a copy of my driver 's license with my signature, and fax this document to XXXX. On XX/XX/XXXX, I went to the Police Office Department to file a fraud report, and I faxed a copy of my driver 's license with my signature and the receipt of the police report to the Citibank XXXX XXXX Department. Later, they sent me a notice letter telling me they reviewed that and determined that I was responsible for the charges since it wasnt enough to support my fraud claim. I tried to contact the XXXX XXXX Department many times but they told me they were not going to reopen my case but gave me the phone number of the Citi XXXX XXXX XXXX XXXX.
On XX/XX/XXXX, I called the Citi XXXX XXXX XXXX, I reported what happened to me about my Home Depot Consumer Credit Card fraudulent purchase, and the lady helped me open a case for investigation. On XX/XX/XXXX, the Citi XXXX XXXX XXXX responded to me that they believed I was responsible for the transactions because my name was listed on the purchase, I indicated the card was in my possession, and a coupon was used on one of the purchases, all the ordered items were picked up in the store, and their records reflect the address on my account has never been changed. On XX/XX/XXXX, I tried to call the Citi XXXX XXXX XXXX for almost 1 hour in the morning, but nobody picked up the phone. Finally, I called the Home Depot Credit Services Department and they transferred me to the XXXX XXXX Department. I explained to them that somebody stole my credit card information and of course, they would use my name to purchase. The statement was sent to my old address, and the full account number was present on the statement bill, too. So thats why my name was listed on the purchase, and the coupon was easy to find on the statement or other advertisement. I asked them how they investigate since in XXXX they told me all the items were sent to my home address, but when I provided the documents to show that it was not my home address where the items were sent, they told me all the orders were picked up in the stores. The investigation results were totally inconsistent. However, I told them those Home Depot stores I had never been to, which were located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a three-kids working mother, on XX/XX/XXXX, which was a weekend, I had to stay at home and take care of my kids. I told them I couldn't pick up the items in stores since I had to work from XX/XX/XXXX to XXXX. And I asked the representative when that person picked up the items in stores, was asked to provide ID or phone number to verify my identity. The representative responded she didnt know. I told her they could check the stores camera since I had never been to those places. Since the Citi XXXX XXXX XXXX responded that their records reflect the address on my account has never been changed, I told them I asked the representative to change my address from my home address to my current home address in XX/XX/XXXX after I was aware of fraudulent purchases on my account.
In addition, the total amount of fraudulent purchases was {$2400.00}, of which {$810.00} was being made in the Home Depot in XXXX XXXX on XX/XX/XXXX ; {$1000.00} was charged in the Home Depot XXXXXXXX XXXX on XX/XX/XXXX ; {$17.00} was charged in the Home Depot XXXXXXXX XXXX on XX/XX/XXXX, {$310.00} & {$210.00} were charged at homedepot.com on XX/XX/XXXX, and {$13.00} was charged at homedepot.com on XX/XX/XXXX.
Unfortunately, Citibank has declined my request to reopen my case to investigate and asked me to pay the fraudulent purchase charges even though I tried my best to show my account was used to make fraudulent purchases for more than half a year. I think that is not fair to me, I am the victim of credit card fraud and was told I am responsible for the charges. Citibanks investigation results were so inconsistent and confusing such as telling me all the ordered items were sent to my home address at the beginning, but changing to all the ordered items that were picked up in the store recently time. Even though when I provided my documents they only responded with simple words Based on our review, we have determined that you are responsible for the charges in question. With the information we had, it wasnt enough to support your claim and resolve the dispute in your favor. How can the rights and interests of consumers be protected? As a result, this credit fraud has disturbed my personal life for a long time and made me feel stressed and troubled. I dont want to pay for any fraudulent purchases that were unauthorized use. I believe that I am not responsible for paying any unauthorized fraudulent purchases.
Thank you for your patience and understanding. Appreciate it! Happy holiday!
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| 05/22/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On or about XX/XX/2021, I opened a checking account with Citibank in response to an incentive offer of money for maintaining a minimum balance for a specific period. I received an email from Citibank indicating the account had been approved and prompting me to initiate a deposit if I had not already done so.
I was intending to fund the account with {$150000.00} ( minimum deposit required to avoid service fees without direct deposit ) from a XXXX XXXX XXXX savings account, but it was not one of the recognized banks that would have allowed me to use login information to verify that it was my account. Instead, I had to set up trial deposits with a corresponding withdrawal to verify my ownership of the account providing the funding. I also set up mobile/online banking and personal information in addition to signing up for paperless documents.
On XX/XX/2021 I received the email from Citibank indicating that the trial deposits had been executed, and I verified the amounts with Citibank. Citibank initiated the {$15000.00} withdrawal from XXXX XXXX XXXX and posted the funds on XX/XX/2021. Unfortunately, I had not checked into the withdrawal limits from the XXXX XXXX Bank account, and it exceeded the {$10000.00} per day limit, so XXXX electronically pulled the initial deposit back on XX/XX/2021.
After looking into the limits, I decided to fund the account with two {$7500.00} deposits from the same account. Citibank did not register the XXXX XXXX XXXX account as an external account when I requested the initial funding transfer, so I again went through the process of verifying the account with trial deposits which was completed on XX/XX/2021. I initiated the first {$7500.00} transfer on that date, but never saw it completed on the mobile app. When I linvestigated it, the online banking indicated the savings account had been " suspended ''.
Rather than trying to get the account reinstated, I opted to initiate the transfer from my XXXX XXXX XXXX Checking account, so I again went through the trial deposit process for that account. This process was completed between XX/XX/XXXX and XX/XX/2021. Once the bank account was approved as a linked external account, I initiated a {$10000.00} transfer to the Citibank account.
On XX/XX/2021, I received notification from Credit Karma that the {$10000.00} withdrawal had been executed, so I logged on to my Citi Mobile app to verify that the funds transfer was being executed. When I logged on, the status of the account showed " closed ''.
I contacted Citibank through the chat feature and was informed that I needed to speak to the fraud division regarding the status of the account. I had an approximately hour long, occasionally heated conversation with the fraud division, including a conversation with a supervisor, during which I was informed that the account was being closed based on suspected fraud and I would receive a letter informing me of the reason behind the decision and explaining how I had violated the customer agreement. I was insistent that the funds needed to be returned immediately through an electronic transfer, just as they had been transferred to the account. The supervisor said all she could do was to " send an email '' to escalate my complaint, but I would be required to call back the next day because the recipient of the email would not contact me.
The {$10000.00} had not actually posted, so I opted to wait before calling back. The funds posted on XX/XX/2021 at which time the account status on the mobile app changed from " closed '' to " blocked ''. I thought that since the account had been funded, perhaps the bank was just holding the funds for a few days to ensure that nothing suspicious had happened, so I opted to wait.
On XX/XX/2021, a full eight days after the funds posted, I again got on the chat and was once again informed that I would need to speak to the fraud division. I called again and after two transfers, despite following the prompts the online representative provided, I finally arrived at the correct department. That representative read a script stating the account was under review for closure and that any remaining funds would be returned by check in 30 to 60 days. I told her that was unacceptable and asked to speak to a supervisor. He said the exact same thing and refused to allow me to speak to any individual above him.
Returning the funds by check defies logic. If Citibank legitimately believes the funding of this account was fraudulent, why would they opt to return the funds after a review to me by check. It is much more logical to return the funds to the account from which they were withdrawn electronically. The suspicion of fraud also defies logic considering I have verified the accounts through trial deposits three times on two different external accounts.
Citibank has done one of two things here. Either they decided to close my account and then initiated a transfer of {$10000.00} from my external bank, or they initiated a transfer of {$10000.00} from my external bank and then decided to close my account. Either way, they have withdrawn {$10000.00} from my account and are denying me access to it indefinitely while they review the account for closure. The final supervisor said the reviews generally take 30 to 60 days, but he refused to provide any specific time frame for me to receive my {$10000.00}. This is not acceptable.
If they suspect the funds were withdrawn fraudulently, then they should be able to return them to the bank from which they were taken through an electronic transfer. It is unacceptable for Citibank to hold my money and profit from it indefinitely. I am not a wealthy person, and {$10000.00} represents a large percent of my annual income. Citibank has effectively stolen this money from me, will generate profits off it for an indefinite amount of time, and then presumably return the funds to me via check while still making profit off the deposit while the check is outstanding.
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| 10/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Original charge was as follows " XXXX XXXX XXXX XXXX XX/XX/XXXX Purchased On XX/XX/XXXX Posted On XX/XX/XXXX Cardmember Name XXXX XXXX Category Merchandise - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Merchant Country XXXX I challenged this before it posted as the item ordered was a XXXX litre box of XXXX XXXX ; XXXX XXXX XXXX XXXX. It is not surprising that a clothing merchant would have difficulty delivering box wine in the XXXX Using the chat function on the Card I noted it was a false charge and appeared to be from a XXXX XXXX urging them to investigate.
They claim that I said goods not as described. My recollection is I said that goods were never received which they weren't. I certainly reiterated that in later chats when the false charge did not disappear XXXX Universal XXXX they reversed the charge then re-established it when the merchant claimed they had delivered the goods.
They wrote to me to my XXXX address saying the merchant claimed they had delivered the goods and requesting me to provide evidence but how I could provide evidence that an item was not received was not clear to me, but any way I was in XXXX for the summer as I had advised Universal XXXX so if they had been paying attention would have contacted me by email, phone or chat. I found the letter on arrival early XXXX and got in touch with Universal card to reiterate goods never received. One of the reps with whom I spoke today XX/XX/XXXX appeared to claim the letter sent to my billing address in XXXX had been sent also to me by email I do not recall seeing that and would like Universal card to please provide a copy of same.
I called Universal card before the end of the payment period XX/XX/XXXX or XXXX and spoke to somebody whose name was, as I recall, XXXX and she said the charge was wrong and that there was nothing overdue as of XXXX XXXX. Please request copies of that plus all other phone calls made to them.
They have still put an overdue fee of {$29.00} on my account despite fact it was for an item they now agree was erroneous I was on along call with someone called XXXX and followed up with the chat function which then suddenly cutoff Please see below cc of as much of that chat as I could preserve Today XXXXXXXX XXXX false charge of {$29.00} Read XXXX XXXX Please do not share sensitive account information, such as your security word or expiration date here. We may send you a secure electronic form to collect this information. This session may be recorded or monitored. A representative will be with you in a few minutes.
Sorry to ask but could you say that another way?
XXXX XXXX - Citi XXXX false charge Read XXXX XXXX A representative can help with that. Would you like to chat with them about it?
XXXX XXXX - Citi XXXX Yes Read XXXX XXXX OK, let me get a representative to help you.
XXXX XXXX - Citi XXXX You are now being transferred to the next available representative.
You're now connected to : XXXX.
Hello XXXX, Just got off phone call with disputes centre name I think XXXX re false charge from XXXX de XXXX XXXX XXXX XXXX XXXX this charge has been credited to my account Read XXXX XXXX You are now being transferred to the next available representative.
But {$29.00} late fee still appears on my account. Please remove it Read XXXX XXXX Sorry, looks like our wait times are longer than usual. Someone will be with you shortly.
??
Read XXXX XXXX You're now connected to : XXXX.
Hi XXXX, Welcome to Citi Live Chat. We appreciate the opportunity to serve you. Can you allow me a moment while I review your request? How is your day?
XXXX XXXX- XXXX XXXX XXXX XXXX XXXX Sure, I can check this for you. Please allow me a moment to review your account.
XXXX XXXX- XXXX XXXX, I'm really sorry, I tried to waive the late fee but the system is not allowing me to do that and as a chat agent I have limited access over the chat. Unfortunately, the request for a late fee refund has not been approved due to a late fee refund or suppression already processed in the last 12 months.
XXXX XXXX - XXXX Thanks for trying. Will advise CFPB of what I submit is CitiBanks unethical conduct in this matter Am online with them now. May I suggest you or your supervisors rethink. If not please confirm you wont so I can file my complaint with them Read XXXX XXXX I can clearly understand your concern but the system is not allowing me to raise the request if the system allows I'll be very happy to help you on this.
Sure, let me go ahead and connect you to my supervisor.
XXXX XXXX - XXXX You are now being transferred to the next available representative.
You're now connected to : XXXX.
CFPB is requesting date of original charge and when it was challenged.. Please providee??
Read XXXX XXXX I've checked your account and can see that your last statement was generated on XX/XX/XXXX of {$49.00} which is due by XX/XX/XXXX and we have not receive the payment by due date due to which you were charged the late fee on your account.
XXXX XXXX - XXXX Please see long running dispute. It was a false charge. Flagged as such on line before it posted Told XXXX suspicion it was a phishing site.
Read XXXX XXXX No goods ever delivered and that fact noted in online chats such as this XXXX online with them now. XXXX I suggest you or your supervisors rethink. If not please confirm you wont so I can file my complaint with them On line with CFPB.
Read XXXX XXXX I can totally understand your concern let me check about the dispute so we can try to waive the late fee.
XXXX XXXX - XXXX XXXX I know when did you dispute the charge?
XXXX XXXX XXXX Before it posted which was back in XXXX I think At that time as Citi knew I was in XXXX Read XXXX XXXX Something Went Wrong, but we're working on it. Please try again later.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please check the facts. Am happy to elaborate on any aspect XXXX XXXX
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| 09/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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|
Web |
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The complaint is with the company Citibank.
Back in XXXX, XXXX I applied for a credit card through Costco which uses Citibank as their credit card company. I was immediately accepted as a customer with a credit limit of {$7200.00}.
I waited the week until I got my physical card, activated it immediately and started using it pretty much right away, specifically at Costco.
My husband, who was an authorized user on the account, setup autopay for us before our first payment was due, but when our first autopay transaction was meant to happen we were informed that our payment was kicked back, on XXXX, XXXX. The payment was made through our savings account, which at the time, we were unaware that this was a form of payment we couldnt use. On XX/XX/XXXX, and XXXX, my husband used our checking account and made payments via the Citibank app. These two payments can be seen as credited through our checking on the XXXX. The date of the autopay was moved out.
On XXXX, XXXX, another autopay was taken from our savings, and once again rejected. My husband then called immediately to work out what issue we could be having with the autopay. After the conversation with the customer service agent, my husband then asked to stop the autopay, and he would just continue to make payments through the app since we had no issues with those, as those came straight from our checking account. He was assured that this could be done, and we should not have any more rejected autopay payments as they had been stopped. He did make another payment and it was taken from our account on XXXX, XXXX.
We had been using the card a lot as we were very happy, and excited about the cash back percentages on things we used most, like Costco gas, and had been using it heavily. To keep up with what we had been spending, my husband made more payments on the following dates : XXXX, XXXX and XXXX, XXXX.
Then on XXXX, XXXX, I was at a store trying to buy a stroller for our XXXX XXXX, and my Citibank card was declined. I called my husband to ask him if he had put a pause on our account for any reason, and when he answered no, he decided he would be the one to call the account since he had been dealing with the payment issues and was worried this might be the result of those problems. He also used their app, and found out that a payment had been kicked back again by autopay. He proceeded to make a payment while waiting for answers about our account.
Because the account was closed, they would no longer give him any information since he was just an authorized user, not the main account holder, and I had to call them, still waiting in line, to try to figure out what the problem was.
The customer service was now subpar that our account was closed. Thankfully, the store I was at did not have that issue and was kind enough to put the stroller on hold while I dealt with Citibank. After leaving the store, we were finally put through to what we believed was someone who worked in the credit department that would be able to work with us on fixing this issue. We were wrong. After looking at our account, he told us there was nothing he could do for us and he would not tell us any information about why our account was even closed. I stated several times that non-payment wasnt an issue as we had paid multiple times within the span of a month and would love to get this resolved today to continue being a Citibank costumer. I continually asked what I could do to fix this, and was told multiple times that there was nothing we could do until I received an official letter from Citibank stating the cause of closure, all while alluding to the fact that something may have been wrong with my credit report.
It took a week to receive the letter. In the meantime, my husband and I looked at our credit report, and payment history to try to figure out what could have happened. On our end, everything seemed to be in good standing.
The letter proceeded to state that because our payment had been reversed three times it was an automatic closure. As disappointed as we were when we read it, we assumed that now that we knew what the problem was, we could get it resolved.
I, once again, called Citibank with the new information in hand. After I had been transferred to a supervisor, my account was finally opened and looked at. The notes from each previous call had been in there, and it was obvious to the employee that we had been very active in dealing this issue, and had done our due diligence to stop this problem from happening again. Yet, I was told there was nothing she could do. She proceeded to tell me that the only way to have a credit card account reactivated was to write the credit department a letter and mail it to them. No email, or phone call could resolve this issue. I understand that this is a tactic used by many companies to make it harder for their customers to have any issue solved within a timely manner. Even if they needed things in writing, I would like to believe that in the year 2021, an email would suffice. On top of this, the kind supervisor warned me that my attempts in getting this fixed so we could have our account reinstated may be futile. The credit department would look at the fact that we had three returned payments, and issue us their standard response of no.
This situation is beyond frustrating for us, as we specifically opened up this account to help boost our credit so within the next couple years we could buy a house. Now, my once shining credit has a closed account on it. They chose to close our account within a two month period because of {$400.00} that had been returned. In that same period of time we paid them {$1400.00}.
The files included are screenshots taking from the Citibank app showing our payments, and from our personal checking account showing that they did come out and were paid.
The dates are different because it takes a couple days to process the payment and remove it from our checking account.
|
| 12/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Yes, back on XX/XX/2019 I purchased a used car frame from a merchant in XXXX SC. The name was XXXX XXXX owned by XXXX XXXX XXXX. I called Mr XXXX in XXXX and he was on his way back from out of town. I ordered the car frame over the phone from him and asked him if it could be done by the end of XXXX and was told yes. Mr XXXX gave the phone to his wife and I gave her my credit card information and paid for the item. XXXX came and went and no frame. XXXX and XXXX came and went and no frame. During this time many emails were sent and phone calls made to them and hardly no return messages were sent back, just very few return messages replied back. I was given excuses that Mr XXXX was XXXX with XXXX XXXX and not working in the shop and another excuse was he was going to XXXX and more. The car frame had to be sent to an outside vendor to sand blast all the rust off of it and then after that process it had to be powder coated then the process would be finished. I know that is not an over night process but was told it would be done by end of XXXX. So the first week of XXXX and I still had no frame I texted Mr XXXX and told him I was contacting my credit card company and reversing the charges. Its now XX/XX/2019 and I still have no frame from him.
So the first part of XXXX I started the dispute process with Citibank. The dispute was for XXXX. I called Citibank once the dispute was in process and was told by an agent that they told me they were sure all would be fine and work out. Citibank had given me a provisional credit of XXXX while the dispute was going on and I told the agent I didnt want to spend that if they thought the dispute would not be ruled in my favor and that was when they told me they were sure all would be fine. I told the agent I didnt want to spend that credit if they thought dispute would not be ruled in my favor as I had went ahead and found another car frame from a merchant in Pennsylvania. The agent told me to go ahead and spend that credit that it was mine and they were sure all would be fine. So I purchased the new frame.
On XX/XX/2019 I received a letter from Citibank that stated they had ruled in the favor of the merchant Mr XXXX. I was asked at that time if I had the car frame yet and told them I had received nothing. I was mailed other paperwork and one of those was questions and merchant answers from Mr XXXX banking institution. One of the questions was at the time of payment was the product delivered to the cardholder, ME. He replied Partial. I had received nothing. That was not true statement from Mr XXXX. So I started the dispute process again. XX/XX/XXXX I was mailed a letter from Citibank and it stated that their investigation had ended and they had tried multiple times to resolve it but Mr XXXX was not willing to give a refund. I was told over the phone from a XXXX a dispute manage with Citibank that I needed to take them to court or file with the XXXX and complain on them.
I got in touch with Citibank Headquarters and spoke to XXXX in the dispute department. Her phone number is XXXX. She listened to what I had to say and said she would listen to the recorded message between me and the agent back in XXXX. On XX/XX/2019 XXXX called me late that evening at XXXX eastern time. She told me and I'm paraphrasing here but she told me that the agent was not very clear in their response to me and XXXX told me that the agent was borderline on their response to weather Citibank could write off the dispute amount or not. I told XXXX XXXX was lead to believe all was going to work out in my favor and was told to purchase the other frame which I did and now I'm being charged for the second one. The agent even told me to send Mr XXXX another email and say to him that I no longer wanted his product anymore which I did that. I did it the day after I spoke to the agent on the phone. The agent told me to do that to " Cover myslelf '' so to speak and I did what they told me to do and still did not side in my favor. I told XXXX I've been a loyal customer for over 30 years and I didnt expect them to just roll over and take it that I expected a little loyalty as well back to me as I've never had to have a dispute in over 30 plus years and now when I needed the help and backing I didnt have it from them. XXXX told me there was nothing she could do to help me. She told me that Visa had rules to go by and that she couldnt help me. She told me that there was nowhere in all the emails and text messages that said the frame from Mr XXXX would be done by the end of XXXX. The only place it says that is where I referenced that in two different emails I sent Mr XXXX asking if it was still going to be done by the end of XXXX as I was told but Mr XXXX never responded to those emails. Not hearing from the XXXX was one of a few reasons I started the dispute process as I expected to be notified of the process and called back or texted back or emailed back when I called, texted or emailed them but they never seemed to contact me back in a timely manner.
I'm very frustrated with Citibank as I've given them many pages of emails and text messages from Mr XXXX and this process. I believe I'm in the right here and have not done anything wrong in any way. I still have no product from Mr XXXX nor do I want his product now. I believe I've been more than patient with him and understanding and have put up more than most people would have. In fact if Mr XXXX had called and told me that he was XXXX and told me all of these excuses he had personally I might have been more understanding but not ONE time was I called or notified. He just told me in a text that he was XXXX. Not I'm XXXX and things are going bad at the moment can you work with me on this and be patient with me etc but Not ONE time was that ever done. Citibank has all of the information from me and this matter and they just are taking the word of Mr XXXX at this time and not doing anything for me. I'd like them to do something.
|
| 05/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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On XXXX XXXX , XXXX , I bought a XXXX XXXX XXXX t at XXXX store ; I used my Credit card from CITIBANL. The delivery arrived at my house on XXXX XXXX , XXXX , but I refused to receive it because they brought a completely wrong set of furniture. The driver gave me a receipt as proof of the mistake and he stated that I had to call the store to refund my money back or to request another delivery with the correct set. I contacted XXXX and they agreed to return my money into my credit card because they sold my set by mistake to another customer. I was informed also that there was no the possibility to find the same set of furniture set because the store was in liquidation and was going out of business. On XXXX XXXX , I noticed that XXXX never returned my money to my credit card, I contacted the store and they stated that they already refunded my money and to please contact CITIBANK if I dont see my refund. I contacted right away CITIBANK to open a dispute and on XXXX XXXX , XXXX I received from CITIBANK a credit of {$2.00} dollars for my dispute. After this I received a statement from the billing period of XXXX / XXXX / XXXX - XXXX / XXXX / XXXX where I could confirm that the dispute has been resolve in my favor. I also saw that my minimum payment due was {$0.00} because my credit did n't have any balance. After this statement, I did n't receive anything from CITIBANK ( phone calls, letter or statements ) regarding this credit card, and I thought that everything was fine because I did n't use that credit card again, because I have another 2 credit cards from CITIBANK. On XXXX XXXX , I was going to purchase a house with my husband and we applied for a mortgage loan ; the loan was denied due to my credit score, I thought was a mistake but I checked my credit score and I found that my credit score was around XXXX . I did an investigation and I found an unpaid debt in one of my previous credit card from credit report. I found an unpaid debt in one of my previous credit card from CITIBANK. I contacted CITIBANK right away and they could n't find the debt, I was informed that I had no unpaid debts, that the only account they found was my checking account, my saving account and my other XXXX credit cards with {$0.00} balance. On XXXX XXXX , we again applied for a mortgage loan, thinking that was a mistake what happened before, but the advisor from the mortgage loan stated that he found the debt with CITIBANK but he could n't see what account was in debt. I contacted XXXX store but I found out that the store where I purchased this living room is out of business and there is nobody to speak regarding this issue. I contacted again CITIBANK and I opened an investigation regarding this issue ; on XXXX , XXXX , CITIBANK found and informed me that the credit for the dispute with XXXX that had been resolved in my favor, was again charged to my credit card ignoring the reason. CITIBANK stated that they did n't know why this happened. I asked CITIBANK why I was not contact in 2 years, in reference to this issue, and CIITBANK stated that they didnt have my phone number, and this is a lie, I have another XXXX accounts with CITIBANK and they have my home address. CITIBANK asked me to open a new dispute and I did as I was requested ; I sent all the proofs and my statement about this issue ( copy of receipt from XXXX stating that they delivered the wrong furniture and that I refused receive it, copy of my last statement showed the credit for my dispute, a letter explain about this issue ). On XXXX XXXX , XXXX , I received a letter from CITIBANK stating that they received my claim and they completed their investigation and based on their review they determined that Im responsible for this debt because credit card was sent to an address that verifies to you since XXXX , valid payments were made on this account, the credit cards were activated by a phone number that verifies to you, a phone number that verifies to you called in on this account multiple times. CITIBANK didnt mention anything about why the credit was returned and I could realize that CITIBANK had my phone number and address and they LIED to me. I contacted CITIBANK one more time, and I explain again about this issue. CITIBANK accepted that they made a mistake open an incorrect dispute and asked me to please open a new dispute and send XXXX more time all my documents. I did for second time as I was requested. On XXXX XXXX I received another letter from CITIBANK stating that I was supposed to open a dispute within 60 days of the purchase at XXXX that of course I did exactly after 25 days of the purchase. I contacted again CITIBANK and I requested an explanation about the letter that they sent me, I reminded CITIBANK that I did dispute the charges within 60 days of the purchase and that was when I received the credit in my favor. CITIBANK apologized AGAIN and asked me to please open a new dispute and send it AGAIN all my documents as a proof. On XXXX XXXX , XXXX , I sent for third time everything and today on XXXX XXXX , XXXX , I contacted CITIBANK to ask them if they received and reviewed my dispute for third time. CITIBANK stated that they received and reviewed but they cant accept my dispute because it has been 2 years after the purchased. CITIBANK stated that they received and reviewed my dispute but they cant accept it because it has been 2 years after the purchased. I realized that what CITIBANK did to me is a fraud, they have evaded their responsibility, they have been playing with me, they destroyed my credit score and when they saw that I have all the proofs about the mistakes they did with my credit card, they decided Do not accept my dispute. At this point I have a debt for merchandise that I never received, I have my credit destroyed and I could not buy my house. I need help please.
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| 10/05/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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As of XX/XX/2020, I filed a complaint with you because Citibank has not handed me my inherited funds. The file number you assigned me was XXXX.
Dated XX/XX/2020 after 15 days I entered its portal and observed that Citibank issued a response letter referencing an earlier letter that it issued to me on XXXX. In this letter Citibank is assuming and not concluding or giving valid arguments.
With this response is the third time that Citibank has opened and closed my case which highlights its informality and lack of professional ethics to give it prompt solution and my inherited funds.
On XX/XX/2020, Citibank issued me a letter which is exactly what it refers to in the response it gave you. If you see this letter it lacks foundations as it is only assuming that I was subject to an act of fraud. After receiving this letter and I answered them by email for which I copied the CEO of Citibank on XX/XX/2020 XXXX SEE ANNEX I ). Because of my strong arguments and evidence on XX/XX/2020, I was asked for 15 more days to investigate ( SEE ANEXX II ). This means that that answer they gave was without effect. As you will see this is not mentioned by CITIBANK.
On XX/XX/2020, they issued the second resolution ( SEE ANNEX III ) where all they did was give a copy paste to the first resolution by amending only the following : " that I was subject to a fraudulent act and that if I want to recover my money I must make a complaint to the Federal Trade Commission ( FTC ) or the Federal Bureau of Investigation XXXX FBI XXXX and that the case was closed.
Again his second answer was unfounded and I considered it a mockery of my person. Having shamefully received this letter that same day ( XX/XX/2020 ) I emailed the CEO of Citibank expressing my annoyance at the response received from his bank and giving him again my convincing arguments ( SEE ANNEX IV ). After I sent that email to Citibank 's Chief Financial Officer and read it on XX/XX/2020 again Citibank asked me for 15 more days to investigate my case ( SEE ANNEX V ). As Citibank knows that my answers to your letters are based on the truth dated XX/XX/2020, they sent me another email requesting more time. Citibank 's action in asking me for more time has taken effect the resolution issued.
With all of the above and evidence attached in the annexes, it shows that Citibank has acted unfairly, informally and mockly towards me evading his responsibility to hand over my money. A company formal, serious and above all fair undertaking conducts its investigation, issues its resolution with valid and sustained arguments and maintains its firm position and does not take a position like Citibank which makes it look very bad to me and now to you.
In this complaint process I put before you Citibank sends only the information that suits you by referencing a response that you sent me dated XX/XX/2020 that was without effect and where they only assume. My question to them is : Because in the response you were given because of my complaint filed do not refer to the last letter you sent me dated XX/XX/2020?. The answer is very simple because they don't want to expose to you that they themselves left the first letter they issued to me and that if I want to get my money back I put a complaint in the FTC and FBI. Why are you hiding it?
It is disgraceful that a bank like Citibank deceives you by pretending to adhere to its grievance procedures that one puts before you when all it does is issue un baseless and invalid conclusions making you believe it is investigating. Citibank no longer has anything to investigate simply that it merely pays.
In conclusion, apart from the one that Citibank wants to misappropriate my money, it continues to deceive both my person for the third time and a federal government entity as you are in making me believe or appear that for 15 days you investigated my case when you did nothing. In his reply he does not tell the truth as he did not refer to the second letter he sent me on XXXX XX/XX/2020 but to the first letter dated XXXX which, as you will see, was left to no effect.
Finally Citibank lies by lying that I was the subject of an act of fraud when the same bank issued me a letter of guarantee ( SEE ANNEX VI ) that I requested to ask for a bank loan that would allow me to raise all the money to pay the inheritance tax to Internal Revenue Services ( IRS ). The bank asked me for that letter to show the fate I was going to give you to the money you were going to lend me. This letter Citibank has it in my file and it does not mention it either. I am attaching the original letter received from Ctibank for which I hid the name of the Citibank executive who issued it and signed it even though they know exactly who it is. This letter is blunt evidence that denies citibank 's assumptions of fraud and forces them to pay my money.
Gentlemen of the Consumer Financial Protection Office ( CFPB ) as I can see as evidence elements, arguments and documents unlike Citibank which has provided nothing.
In the face of the foregoing and considering that the Office for Consumer Financial Protection ( CFPB ) is a federal agency that has the mission of ensuring that banks are fair and transparent I request the following : 1. That the Consumer Financial Protection Office ( CFPB ) declare without place or without effect the response issued by Citibank for concealing the truth of my case before you by not referencing the last letter it issued to me dated XXXX. In addition, the accompanying letter of guarantee issued by Citibank constitutes evidence that denies its assumptions.
2. Require Citibank to pay me my money as soon as possible as well as interest from XX/XX/2020 to date. If you do not have that power based on my complaint and all the elements you already know and proof documents attached please move my case to the legal entity that you deem appropriate and that can enforce my rights and resolve my case as soon as posible.
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| 12/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Hello, I will copy and paste below what I have sent to XXXX airways. They have been absolutely unprofessional with their behavior regarding refunds for cancelled flights as well as an additional large charge for a business class upgrade that was not granted. Please let me know what you need from me. I have sent in a complaint to them ant eh reference number is XXXX.
" To Whom It May Concern : On XX/XX/2021 flight XXXX was scheduled to depart t XXXX am from XXXX XXXX and travel to XXXX XXXX, arriving at XXXX. Once arriving to the airport, my wife was notified ( after XXXX minutes at the checkin counter ) that the flight was canceled and that there would be no refund provided, the next flight was a full XXXX hours after, and a hotel would not be provided for her. Especially with COVID times, her PCR test was set to expire if she waited this additional time and had to book on a different airline very quickly and pay a fare of {$1600.00} dollars. I am very upset at this service.
Per your own terms and conditions : " FLIGHT CANCELLATION If your flight is cancelled, you are entitled to the rights set out below except when : you are informed of the cancellation at least two weeks before the scheduled time of departure ; or you are informed of the cancellation between two weeks and seven days before the scheduled time of departure and are offered re-routing, allowing you to depart no more than two hours before the scheduled time of departure and reach your final destination less than four hours after the scheduled time of arrival ; or you are informed of the cancellation less than seven days before the scheduled time of departure and are offered re-routing, allowing you to depart no more than one hour before the scheduled time of departure and to reach your final destination less than two hours after the scheduled time of arrival ; or ( in respect of any Right to Compensation ) we can prove that the cancellation is caused by extraordinary circumstances which could not have been avoided even if all reasonable measures had been taken by XXXX XXXX, including but not limited to political instability, safety and security reasons, weather disruption, labour disputes or failure or delay of air traffic control facilities.
XXXX. RIGHT TO COMPENSATION If you are involuntarily denied boarding or your flight is cancelled ( provided an exception as specified above does not apply ), you are entitled to receive the following amount from XXXX : XXXX XXXX in respect of all flights of XXXX or less ; or XXXX XXXX in respect of all flights of more than XXXX.
The compensation set out above will be reduced by 50 % if we are able to offer you re-routing on an alternative flight ( XXXX ) and the arrival time of such re-routed flight ( XXXX ) does not exceed the scheduled arrival time of the flight booked : by XXXX hours, in respect of all flights of XXXX or less ; or by XXXX hours, in respect of all flights of more than XXXX.
The distances are measured by the great circle route method.
XXXX. RIGHT TO REIMBURSEMENT OR RE-ROUTING If you are denied boarding ( whether voluntarily or involuntarily ) or your flight is cancelled, you are additionally entitled to choose between : ( a ) reimbursement of the cost of the ticket at the price at which it was bought, for the part or parts of the journey not made ; or ( b ) re-routing, under comparable transport conditions, to your final destination at the earliest opportunity ; or ( c ) re-routing, under comparable transport conditions, to your final destination at a later date at your convenience, subject to availability of seats.
If your flight is delayed by at least XXXX hours and you elect not to travel, you are entitled to receive reimbursement as set out in point ( a ) above.
XXXX. RIGHT TO CARE If you are involuntarily denied boarding or if your flight is cancelled or delayed by more than XXXX hours, ( in the case of flights departing from XXXX or XXXX, the qualifying delay is XXXX hours or more ) we will offer you, free of charge : meals and refreshment vouchers in reasonable relation to the waiting time, as long as it will not further delay the departure of the aircraft ; XXXX telephone calls, telex or fax messages or e-mails; hotel accommodation in cases where a stay of XXXX or more nights becomes necessary, or where a stay additional to that intended by you becomes necessary ; transport between the airport and place of accommodation ( hotel or other ).
If your flight is delayed as specified under XXXX Delays above or cancelled without notice being given to you prior to your arrival at the airport of departure XXXX XXXX will offer you items ( a ) and ( b ) above.
If, as a result of the delay or your being re-routed following a cancellation, your new time of departure is reasonably expected to be at least the day after the original day of departure, we will also offer you items ( c ) and ( d ) above.
None of this was offered. Per this contractual agreement, we are entitled to XXXX euro for the flight cancellation and the distance of travel, the notification of the flight cancellation came at XXXX, less than XXXX hours before the flight. There was no other flight option provided by XXXX until XXXX hours later. We were not offered any of the right to care that is stated in your terms and conditions, as well. In addition, we were also not refunded the amount that we won on a bid to have business class for this flight. This service is unacceptable and I will be contacting the XXXX XXXX XXXX about this occurrence if it is not made right by XXXX and we are awarded what is stated in this contract. We have screenshots and emails of all communications received from XXXX and will not accept this lack of ethical behavior from a company.
I await your response. Thank you.
XXXX XXXX and XXXX XXXX This was sent and communicated with Citi bank. I have provided screenshots of the cancelled flight. They have continously denied our claim.
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| 06/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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Re : Fraudulent Charges on My CITI XXXX XXXX XXXX Account I have been attempting to resolve fraudulent credit card charges which originally appeared on my XXXX, XXXX Citi XXXX XXXX XXXX bill. Initially, there were 30 such unauthorized charges of which 17 were with one company ( XXXX ) although 8 of these 17 charges were also credited on the same XXXX statement, leaving just 9 outstanding charges from XXXX. Since XXXX, Citi was able to eliminate all other merchants ' ( I believe there were 5 other merchants ) fraudulent charges, but not the XXXX charges.
In XXXX and XXXX I spoke with several Citi employees about the fraudulent charges. My old card was cancelled and replaced with a new card within days of my confirming the charges were not authorized. I was reassured that all fraudulent charges would be taken care of and that I would be contacted if more information was required. On their Dispute Center Fraud tab, Citi indicates fraud was reported on XX/XX/XXXX although most individual charges show a dispute date of XX/XX/XXXX with about ten having XX/XX/XXXX as the date.
We were relieved that our XXXX statement ( with a payment due date of XX/XX/XXXX ) included many credits ; however, only 1 of the 12 XXXX credits on the XXXX statement matched their remaining 9 outstanding charges from XXXX. In contrast, all of the other merchants credits matched the original fraudulent charges exactly. There was no documentation to enable reconciling which charges were outstanding or had been reduced or eliminated. It was possible to sum what XXXX charges remained outstanding from XXXX bill ( {$3900.00} ) and contrast that to the sum of the XXXX new XXXX credits ( {$3600.00} ). The difference- {$340.00} - was what remained as outstanding XXXX charges after XXXX statement. We were hopeful this difference would be eliminated by XXXX statement.
Unfortunately, instead, Citi made matters much worse on the XXXX statement by issuing a number of partial credits and reversed credits at the same time that they claimed they had issued duplicate credits when they had not. Their dispute center postings, XXXX letters with dates between XX/XX/XXXX and XX/XX/XXXX, and their XXXX statement are full of inconsistencies and errors with respect to the XXXX charges. Pursuing these problems has been compounded by the lack of ability to communicate with Citi about them. Their Dispute Center website has been down ( after linking to the online address, a message has often appeared stating it is unavailable and to try back later ) and multiple calls I have made to speak to a Citi representative have resulted in my being put on hold for longer than a half hour and then being hung up on. In one phone call when I did connect to an employee, he assured me that he would provide additional documentation on the credits and charges, but no such documentation has appeared. Instead, the only letters I received over the course of two weeks were seven letters from Citi regarding specific charges and credits that often referenced credits which never appeared on my bills and closed with the statement, We now consider this investigation complete.
As a result of the seven letters, XXXX confusing processing of credits and charges in XXXX, their lack of responsiveness to my inquiries and their inaccessibility, I prepared a 6-page letter in early XXXX reviewing the problems with their charges and estimates of what they should be. Two approaches were used. Both approaches emphasized monthly sums of charges and credits as it was not certain how a large number of partial credits related back to specific individual charges and credits. One approach summed legitimate authorized charges for XXXX, XXXX, and XXXX bills. The other approach summed XXXXrelated credits and charges for each month. The two approaches yielded similar results, indicating there were still over {$1300.00} in outstanding charges from XXXX that had not been credited. This amount did not include {$100.00} in charges that were put onto my account in XXXX nor the {$340.00} deficit in credits from XXXX. Besides sending this letter to Citi, I also forwarded it to the XXXX Attorney Generals Office.
After sending the letter, I spent over a week reviewing my statements and the seven letters from Citi and attempted to piece together all the partial credits and their relationship to the original charges in XXXX. This led to another six-page letter which focused on the specific status of all 9 XXXX charges which had not been resolved by XXXX credits. It also highlighted the inconsistencies between the postings of charges and credits in my monthly statements versus what the XXXX Citi letters stated and what was posted in the Dispute Center. This letter concludes noting that a total of {$1800.00} should be credited to my account.
To summarize, after initial positive responses by Citi to most fraudulent charges appearing on my credit card bill, the company has increasingly appeared unresponsive and inaccessible to concerns about how they have processed remaining outstanding charges. They have claimed there were duplicate credits when no such duplicates have ever appeared on my bills and reversed credits thereby double billing me.
I have had no indication that they would respond to two lengthy letters sent to them by express mail ( on XX/XX/XXXX and XX/XX/XXXX ) which spell out the basis for why there are errors in their processing of charges and credits resulting in my being substantially overbilled by them. I fear they will assert that my questioning of the charges have been dealt with ( although they have not ) and/or are beyond a 60-day time limit, yet it is Citis erroneous processing of credits on the XXXX statement ( with payment due XX/XX/XXXX ) which has created the vast majority of the problem. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau and seeking the Bureaus assistance on resolving this matter.
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| 12/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have contacted Citi 's department for credit card disputes around a half-dozen times now, and I'm hoping that the CFPB might have an alternate contact that would be more effective.
The documentation below and attached shows all of the following bullets occurred.
- Citi requested additional information XXXX XXXX ( file 7 ) and XXXX XXXX ( file 10 ), but bafflingly and inexplicably simultaneously closed the dispute each time.
- Citi 's request dated XXXX XXXX ( file 10 ) requests information previously provided XXXX XXXX, which I've made Citi aware of - Citi confirmed receipt of the email dated XXXX XXXX below and committed to " resolving '' the dispute ( again ). Citi provided confirmation of commitment on XXXX XXXX and again on XXXX XXXX.
- Citi is beyond the two billing period timeframe to resolve the chargeback.
From : XXXX XXXX XXXX To : XXXX XXXX Sent : Wednesday, XX/XX/2021, XXXX XXXX EST Subject : Re : Case ID XXXX Good morning, On XXXX XXXX I contacted Citi Disputes and spoke to XXXX. I asked her to re-open the dispute because of the additional information provided in the trailing email. She did, from which Citi 's latest response was likely developed.
For ease of access, I'm re-attaching all documents to support the claims below. There's four attachments to this email, each attachment is associated with one of the four underlined sections.
Attachment 1 of 4 - Citi Letter : The attached update dated XXXX XXXX says " If you are able to supply a copy of a '' ... " advertisement '' ... to prove you should have been billed a different amount, we will reopen our investigation. '' Fortunately, an advertisement has already been provided to Citi on XX/XX/XXXX, in the form of my rental reservation For ease of access, I've reattached all pertinent documents, and provided an additional explanation below to be super explicit about what the issue is. ( Including the initial dispute and this email, I've contacted Citi five times total about this, so I feel like we're probably " talking past '' each other about something. ) Attachment 2 of 4 - XXXX XXXX XXXX : It shows reservation number XXXX It shows the ( non-discounted ) weekly rate of {$850.00} It shows the taxes and fees associated with that non-discounted weekly rate of {$130.00} It omits the amount of the XXXX discount amount, although with some arithmetic I think it's pretty simple to conclude the amount is {$240.00} ( see next bullet for how this amount was determined ) It shows the total estimated charge of {$740.00}, from arithmetic, the total estimated charge is the result of XXXX Attachment 3 of 4 - XXXX Receipt : It shows reservation number XXXX It shows the ( partly-discounted ) weekly rate of {$850.00} It shows taxes and fees ( you'll need to sum the " other charges '' ) of {$160.00} It omits the XXXX discount, but for clarity I'm just going to show a value here of {$0.00} It shows a line item for pre-paid fuel of {$52.00} It shows a " total charge '' of {$1000.00}, from arithmetic, the total charge is the result of XXXX It is clear from the bold values in the two previous sections that the XXXX discount was not applied. To super explicitly address Citi 's latest update letter : the discrepancy is highlighted above between the reservation advertisement and receipt. I am only disputing the highlighted discrepancy.
At the time of rental, I requested the XXXX agent apply the discount and provided my XXXX card. I had also arrived 20 minutes prior to the reservation rental time, and offered to delay the pickup of the rental until the reservation timeslot. The XXXX agent declined both, and refused to give me a car for my vacation with my family unless I paid the less-discounted non XXXX rate. I accepted because I presumed I could contact their corporate number later to have the issue resolved.
Attachment 4 of 4- XXXX XXXX XXXX : XXXX XXXX responded ( also attached ) and has no record of the reservation at all, and refused to help me further.
If you're confused by the two prior paragraphs - you're not alone - this is baffling to me also!
So, with all of that established, I'm disputing the amount of {$240.00}. ( Or if you really want to XXXX them, do a charge-back on the entire amount. In their own words, " reservation XXXX was not picked up ''! Just kidding. ) ( Lastly, please note the amount of my initial dispute was a bit more, and I'd like to be super explicit that I'm reducing the disputed amount. There's *yet another* XXXX document I haven't attached ( but did provide previously ) showing the higher value, but I can't follow the arithmetic to reproduce it, so it doesn't seem fair to XXXX. ) Please let me know if I could provide any additional clarity surrounding this dispute. I'm open to the idea that I've been unclear ( or even incorrect! ) about something. : - ) Thanks, ~XXXX XXXX XXXX On Wednesday, XX/XX/2021, XXXX XXXX EST, XXXX XXXX XXXX wrote : Good morning, I disputed an XXXX XXXX charge from XXXX ( submission attached dated XXXX XXXX ). I received a response from Citi ( attached dated XXXX XXXX ) that requested additional information. I didn't have the info when I initially submitted the dispute, but I do now.
( Because Citi 's response doesn't provide guidance on how to provide the additional information... ) I used the Citi live chat webpage and spoke to XXXX in Disputes, he said to email this address with it.
The additional information is attached ( undated ), it's rental agreement no. XXXX. ( It clearly shows my XXXX XXXX number XXXX, which matches prior dispute submissions, and also clearly shows a *much* higher weekly rate, which *mismatches* prior dispute submissions. ) Please re-open the dispute and incorporate this new information, and let me know how it goes. As is clear from this documentation, all prior claims I made in my dispute submission were true and accurate. ( I just couldn't prove it without this receipt! ) Thanks, XXXX XXXX XXXX
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| 09/27/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. DSNB MACYS Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in December XXXX as well as 60 days late payment on January XX/XX/XXXX.
I immediately disputed this information with DSNB MACYS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the late with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, XXXX. XXXX MACYS Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX as well as 60 days late on XX/XX/XXXX.
I immediately disputed this information with XXXX MACYS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 09/22/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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On XX/XX/XXXX, I opened an Interest Checking Account with {$150.00} and Money Market Plus Account with {$60000.00}, in the name of my revocable living trust, at Citibank, N.A., XXXX XXXX XXXX XXXX, XXXX, California XXXX, ( XXXX ) XXXX. XXXX XXXX was my personal banker.
On XX/XX/XXXX, XXXX delivered a letter to me from Citibank, N.A., dated XX/XX/XXXX, requesting that I please contact them as soon as possible ; " Important account information is needed by XX/XX/XXXX. A recent review of your account found that some important information is either missing or out of date. It's critical that you contact us to verify and update your information as soon as possible. Please be aware that because this information is required, if we don't receive the needed information from you by XX/XX/XXXX your account may be blocked to prevent transactions. As a valued customer, we look forward to working with you to resolve this urgent request so as to prevent any adverse impacts to your account. '' On XX/XX/XXXX, I called ( XXXX ) XXXX and spoke with XXXX, who requested a copy of my trust document ( which I had provided to the branch on XX/XX/XXXX ), the " Net Worth of Entity, '' a " Beneficial Ownership Declaration form, '' " Source of Wealth provided for Self-Employment, '' and " Annual Personal Income from Self-Employment. '' He told me that if I did not provide this information my accounts would be closed. He confirmed this with an e-mail.
On XX/XX/XXXX, I visited the branch and met first with a personal banker, XXXX XXXX, and then the branch manager, XXXX XXXX, who advised me that if I did not provide this information my accounts would be closed.
On XX/XX/XXXX, I wrote to XXXX XXXX XXXX, Chief Executive Officer, and requested that she provide me with the legal basis relied on by Citibank , N.A . for its request for my " Net Worth of Entity, '' " Source of Wealth provided for Self-Employment, '' and " Annual Personal Income from Self-Employment, '' required or my account may be blocked to prevent transactions ; her e-mail address is XXXX.
On XX/XX/XXXX, I received a call from XXXX XXXX XXXX, Financial Associate, Executive Response Unit, Citibank Client Services, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, ( XXXX ) XXXX, who indicated that Citibank , N.A . is relying on the USA Patriot Act and Bank Secrecy Act of 1970 in its continued request for my " Net Worth of Entity, '' " Source of Wealth provided for Self-Employment, '' and " Annual Personal Income from Self-Employment '' as a condition to continuing our relationship.
On XX/XX/XXXX, I wrote to XXXX XXXX XXXX and requested that he please provide me with the specific language used in the USA Patriot Act and Bank Secrecy Act of 1970 to support their decision. I copied XXXX XXXX XXXX, Chief Executive Officer, and XXXX XXXX XXXX, General Counsel and Corporate Secretary ; his e-mail address is XXXX.
Nothing in the USA Patriot Act or Bank Secrecy Act of 1970 requires Citibank , N.A . to collect " Net Worth of Entity, '' " Source of Wealth provided for Self-Employment, '' and " Annual Personal Income from Self-Employment. '' None of the fourteen financial institutions I have accounts with have had the temerity to request this information, except Citibank , N.A .
On XX/XX/XXXX, I again wrote to XXXX XXXX XXXX, and enclosed copies of a Citi Trust or Estate Beneficial Ownership Verification, my California Driver License ( front and back ), and Schedule A of my revocable living trust. I indicated the source of my self-employment income, that the I do not believe the USA Patriot Act and Bank Secrecy Act of 1970 require me to provide Citibank with the amount of income I receive, and I do report all income to the Internal Revenue Service and Franchise Tax Board. I copied XXXX XXXX XXXX, Chief Executive Officer, and XXXX XXXX, General Counsel and Corporate Secretary.
On XX/XX/XXXX, I received a call from XXXX XXXX, Citi, XXXX XXXX XXXX, XXXX, Missouri XXXX, ( XXXX ) XXXX, who represented himself as an " Analyst in the Consumer Business Support Unit, '' but his XXXX account shows he is an Anti-Money Laundering Operational Risk Analyst II. He requested further information regarding my " source of wealth and " annual income from self-employment. '' On XX/XX/XXXX, I received a fax from XXXX XXXX XXXX in which he indicated " Having your information on file is a requirement of a federal regulation known as the Bank Secrecy Act, which is designed to help monitor for and protect against certain types of fraud and the flow of illegal funds around the world. While the questions we ask are not explicitly written in the regulations, I assure you that our XXXX XXXX is in line with regulatory expectations. As indicated in the enclosed letter dated XX/XX/XXXX, your accounts may be blocked on XX/XX/XXXX, if we do not receive the information requested. The information still needed to complete the XXXX review associated with your Trust accounts is the " Net Worth of Entity '' and " Annual Personal Income from Self-employment. '' On XX/XX/XXXX, I wrote to XXXX XXXX XXXX that Citi is well aware that it has been provided with all of the information needed to complete the Know Your Customer ( KYC ) review of my Trust account, and is also well aware that the Bank Secrecy Act of 1970 does not require it to collect the requested information ; XXXX. " Net Worth of Entity '' and " Annual Personal Income from Self-employment. '' Why would I want to continue to do business with Citi, when Citi clearly does not wish to continue to do business with me?
On XX/XX/XXXX, I again visited the XXXX branch, and XXXX XXXX, the teller, closed my accounts. I deposited the money in another financial institution who I have had a relationship with for 29 years.
Citi 's behavior, its letter to me dated XX/XX/XXXX, e-mails dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and telephone calls on XX/XX/XXXX and XX/XX/XXXX, deeply offends me.
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| 12/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Older American |
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COMPLAINTOver the 16 years that I have had the CITI/Mastercard/Shell card, CITI/Mastercard/Shell has arbitrarily suspended the use of the card claiming suspicious transactions several times. Up to today (XX/XX/2019), there has NEVER been a fraudulent transaction on the card. However, the arbitrary security suspensions continue on a regular basis on the flimsiest of reasons. And while in each card suspension I suspected racial discrimination motives I just let it go, that is, until this last security suspension because this last suspension goes beyond the pale and I have decided to make it known that, in my personal opinion and experience, CITI/Mastercard/Shell actively engages either in racial discriminatory actions and/or CITI/Mastercard/Shell engages in restraint of trade actions and/or CITI/Mastercard/Shell engages in neighborhood redlining, and/or CITI/Mastercard/Shell engages in all of these actions.FACTSOn Monday XX/XX/2019 I found in my home landline phone the sop message from CITI to the effect that my CITI/Mastercard/Shell card was suspended because of suspicious transactions using the CITI/Mastercard/Shell card the previous day, Sunday XX/XX/2019.I called the CITI/Mastercard/Shell customer service number listed on the card and I was informed that the card was suspended due to 3 suspicious events. Those 3 suspicious events were: First, that the CITI/Mastercard/Shell card had been used to make a $XXXX gasoline purchase in XXXX Texas; Second, that the CITI/Mastercard/Shell card gasoline purchase was at a XXXX, Texas XXXX gas station and that I had never purchase gasoline from a XXXX gas station; Third, that the CITI/Mastercard/Shell card also had been used again that day to make another purchase of $XXXX gasoline at a Shell gas station in XXXX XXXX, Texas. Even after assuring the phone rep that, First I indeed had made the purchases and Second, that indeed the charges were legitimate, I still had to assure and re-assure the phone operator that I did have the card in my physical possession.BACKGROUNDAccording to the CITI/Mastercard/Shell customer representative I had never used the card in XXXX, that I had never used the car to buy gasoline from XXXX, and that it was unusual that I purchased gasoline twice in the same day. These justifications are so preposterous as to be laughable if it were not for the prejudicial and discriminatory motives behind the card suspension.My residence is in XXXX XXXX TX, a suburb of XXXX TX. The island of XXXX TX is a State of Texas and USA famous resort and historic area, within less than 1 hour drive from my home, that I visit very frequently and the proposition that I have never used the CITI/Mastercard/Shell card in XXXX during the last 16 years is simply preposterous. But even if it were true, since when using a credit card in XXXX TX is a criminal suspicion activity?I use the CITI/Mastercard/Shell card preferentially, but not exclusively, to purchase gasoline, mostly at Shell gas stations, but over the years I probably have used the car at all major type of gas stations all over the country. The CITI/Mastercard/Shell customer representative could not explain that the problem was. Was the problem because it was a XXXX gas station, a Shell competitor? Or was the problem was that the XXXX gas station was located in an economically poor, racially mixed XXXX/XXXX neighborhood? For sure in these 16 years CITI/Mastercard/Shell has never had any problems when I have used the card to make purchases, any kind of purchases, at any time of day or night, at any day of the week, at any time of the year, at any location, for any amount, in an economically affluent middle/upper class XXXX neighborhood even when I had never been there before in my life.The most brazen assertion by CITI/Mastercard/Shell was that I had purchased gasoline twice in the same day. My family owns and operates on a daily basis several gasoline powered cars. We usually fill the cars on weekends in preparation to use the cars during the workweek. Because I gas the cars, and I can only drive one car at a time I usually split the car fueling over the weekend. During the last 16 years of this routine it is not unusual at all that I might have to fill-up more than one car, over consecutive days, or on the same day during the weekend. This justification by CITI/Mastercard/Shell is an insulting canard attempt to put a cover to conceal the real reason for the suspension, that in my concept, either/or racially discriminates me, either/or redlines the neighborhood where I made the purchase, either/or attempts to discourage the use of XXXX gasoline, either/or all of those reasons.RELEVANT EVENTDuring the 16 years that I have used the CITI/Mastercard/Shell card there has NEVER been a fraudulent charge on the card. But the card has been security suspended for the flimsiest, and in my personal opinion, racial prejudicial of reasons.On the preceding Monday (XX/XX/2019) leading to the weekend where the events of this complaint took place, I had a contractor install a new garage door opener in my house and I asked the contractor to charge the cost to the CITI/Mastercard/Shell card. In the process of entering the card information into his portable terminal, the contractor mistyped a value [in flipping the card the wrong way, it read XXXX for XXXX], and made a couple of attempts to make the charges go through but the transactions were justifiable denied. The next day, Tuesday XX/XX/2019 I called CITI/Mastercard/Shell customer service, explained and the situation, the card was re-activated, and the contractor was able to complete the transaction.I document this particular transaction because during the 16 years that I have used the CITI/Mastercard/Shell card this is the ONLY time, ever, that there has been a valid issue with any transaction that could be considered suspicious, and I took the time to contact CITI/Mastercard/Shell.
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| 10/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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Dear Sir or Madam, 1. CBNA Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and report me 30 days late on this account in XX/XX/XXXX I immediately disputed this information with CBNA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Servicemember |
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CIti Card recently responded with. poorly worded response that shows no sympathy for me as a consumer. I will invalidate the points made with substantial evidence I presented to Citi previously regarding the transaction Im disputing.
On XX/XX/XXXX a purchase was made and shown through XXXX XXXX website ( XXXX ) for a flight, with a single layover, one in XXXX and no layovers on the return flight. Upon purchase of the flight I was provided a Booking Request Acknowledgement ( Booking Request Acknowledgement.pdf ) from XXXX via email. NOTE : This is not a ticket, just a confirmation the flight request was purchased and made. Exactly 39 minutes later I received an E-ticket ( XXXX ) via email showing that my flight was not the one agreed. It was instead a double layover, one in XXXX and one in XXXX, including one layover for the return flight. This is obviously not the flight agreed and therefore I am not obligated to purchase this flight as any reasonable person would not want to subject to an insane amount of layovers that were not agreed upon. Not only that, the terms and conditions explicitly state, " Reasons that XXXX may be unable to confirm your tickets include, but are not limited to, changes in the fare amount or the availability of the flights you have requested, an airline 's failure to confirm the booking request, incomplete or inaccurate payment information, rejection of a method of payment, concerns that the booking request was unauthorized or fraudulent, or other issues that may prohibit fulfillment of your request for a particular Travel Product. XXXX will notify you if it is unable to process your request. If XXXX is unable to process your request, XXXX may suggest an alternative Travel Product for you. You are, however, under no obligation to purchase any such alternative. '' ( XXXX ) So considering my flight originally purchased was not fulfilled, nor was I obligated to purchase it in the first place officially bars me from holding responsibility from obligation to the purchase. Although a lot of this falls on the company XXXX, considering CITI was the credit grantor of the purchase and gives its consumers fraudulent transaction protection. CITI was aware of the facts of the purchase, and was therefore aware that the purchase was not valid. I did not approve the purchase, nor was I responsible for the purchase.
Citi also states in its response that, " Because we did not receive the required information to continue the dispute within the allowed time frame, we were unable to assist further through the dispute process.. ''. This is false, I sent the email within a valid time frame. I corresponded with their information request by submitting the required documents to their document submission portal for their dispute. On XX/XX/XXXX, the date which the letter is marked, I was mailed a letter which arrived on XXXX, XXXX, XXXX requesting information sent via email or fax with the requested information by XXXX, XXXX XXXX. The information was submitted to the provided email, XXXX, on XXXX, XXXX, XXXX. On XXXX, XXXX, XXXX at XXXX XXXX EST, I was emailed by Citi stating the information I sent was 'illegible ' and that the information needed to be submitted by the XXXX. I was given less than 24 hours to submit the information requested. Information I already submitted. Coincidentally enough, I did not reformat the 'illegible document ', which was in PDF form. ( Signed.pdf ) The reason It was sent as a PDF is so the graphics and text in the document would be eligible on any computer system, and that PDF is the most widely used document file format. So essentially, the document was always eligible and therefore the information was submitted within the allotted timeframe. Also coincidentally, Citi reviewed that pdf successfully because they continued their investigation beyond that point and even requested more information on XXXX, XXXX, XXXX for more information on XXXX XXXX Terms and Conditions as to where XXXX voided their Terms and Conditions. This was of course after the charge was reposted to my account.
I reviewed my own copy of the phone call and I am happy to share it with the CFPB which states my awareness of the possibility that a settlement of paid less than full would damage my credit. Hence, the reason I made it very clear to the settlement worker of CITI that I wanted either the late payments deleted from my credit report, or the account deleted as an official condition to paying the settlement. Again, I paid CITI, not including late payments and fees, more than the originally owed {$1000.00} through 3 payments throughout XXXX including the settlement payment.
I regret not paying the original {$1000.00} at the beginning of the year but at the time I was going through financial hardship. But, I was and should not be responsible for the fraudulent transaction that has caused delinquencies to my CITI account in the first place. As a goodwill courtesy I would hope that CITI understands the significant role credit scores play in every Americans life. Including the representative who will be responding to this complaint. It was an unfortunate circumstance and I felt I have done my due diligence to respond to Citi 's requests and will remove the delinquencies from my account. Also, considering I never missed a payment on this account previous to this situation and was a loyal customer up until that point.
Attached Documents : Your Citi Inquiry.pdf - Citi 's response to CFPB complaint Booking Request Acknowledgement.pdf - XXXX Booking request showing flights originally requested XXXXXXXX - XXXX Ticket showing tickets booked which did not correspond with the flights requested vaycom-conditions-en.pdf - copy of XXXX XXXX terms and conditions Signed.pdf - signed Letter stating I want to continue the dispute with the provided information after the signed letter signed, sent, and dated XX/XX/XXXX
|
| 11/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
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Before initiating the litigation process, I would like to provide the individual tasked with evaluating this regulatory complaint an opportunity to do the right thing.
Let me preface the narrative by stating how appalling Citis egregious behavior has been up to this point. Spanning numerous phone calls totaling 312 minutes and 37 seconds and countless more hours spent acquiring the voluminous evidence Citis representatives endlessly requested including an analysis by a XXXX certified technician at the XXXX store ; it is with inexpressible shock that my final communication with a Citi Account Manager concluded with that representative stating, Citi never received documentation showing the difference between what was expected versus what was received.
Narrative for Dispute XXXX : On XX/XX/XXXX, a purchase was made from a XXXX XXXX seller in the amount of XXXX for a new XXXX XXXX XXXX XXXX computer with a 12 month warranty. The transaction was completed by XXXX. Shortly after receiving the laptop, the screen spontaneously began to develop a crack in the two bottom corners of the screen.
The cause : a manufacturing defect where there is not enough space between the laptop screen and bottom portion of machine near the hinge.
I called the manufacturer, XXXX who insisted the damage was my fault despite the unit being in flawless condition as it has been sitting on my desk the whole time. They were attempting to charge me {$450.00} to fix, a clear refusal to honor the warranty the machine was sold with.
I then contacted the XXXX seller who refused to help as it was outside their return window.
Next step was engaging in a lengthy exchange with XXXX customer service who initially promised to help. They began requesting documentation continually. I provided all the documentation that they asked for including XXXX charge of {$450.00} to repair the computer. They then refused to help on the basis that [ they ] have fully checked all of the documents that [ were ] provided and there's no specific details confirming that XXXX is denying the claim.
After that came a XXXX dispute, which despite frequent assurances of a good resolution from the XXXX staff I spoke to, they then denied on the grounds that the item associated with this case has been altered while in your possession.
I then filed a dispute with Citi, the credit card provider. Id submitted everything I had acquired up to this point including a copy of the warranty, manufacturer refusal to honor the warranty, email from the seller, email exchange with XXXX, XXXX denial, & photos showing the machines flawless condition from all angles along with closeups of the defect.
First major issue : Citis billing dispute division states that they can not accept photographs. I need not elaborate on the critical nature of color photographs in communicating an issue regarding merchandise. The fact that they will not accept photographs, and down-sample all submitted documents to fax-quality is a malicious attempt to cripple a claimants ability to convey their case.
Citis first denial letter after receiving the above documentation stated : A copy of the merchant 's response is enclosed. Based on the information available, we have closed our investigation and reversed our credit.
After going through several phone calls with befuddled Citi reps, I was instructed by an Account Manager that the only thing needed is an analysis by an independent third party. So I took the computer to the XXXX XXXX to have the machine examined by one of their certified technicians.
That technicians analysis reads : Device screen is cracked on bottom corners, where hinge causes the chassis to come very close, sometimes contacting the screen. There is no further damage on the device. Having examined this device, it is my professional opinion that the damage is a result of contact and abrasion caused by the design of the laptop and not accidental damage on the customer 's part.
I submitted that XXXX XXXX technicians statement with XXXX ID on the XXXX XXXX letterhead.
Citis second unbelievable denial was that they had closed the dispute in the merchants favor citing : we have not received the proof of what was expected versus what was received and the document showing you made an attempt to resolve this dispute directly with the merchant.
I then called and spoke to more Citi reps who were seemingly as confused as I was. And they were also unaware of exactly how the dispute investigators are making decisions. I finally spoke to an account manager who stated that I submitted everything required for them to resolve the dispute for me. He further stated he would send a letter emphasizing as much to the dispute investigator.
Citis callous response to that internal communique : We may be able to assist you if you provide us with a documentation showing the merchant agreed to credit your account. If you are unable to provide this, you will need to seek other means to obtain credit.
Another major problem throughout this entire ordeal has been Citis contradictory communications via their phone hierarchy and their website. The website displays information that is countermanded by the phone reps. Lastly, the division tasked with handling the disputes in unreachable by the claimant. And based on their contextually inane letters, the investigators arent even reading the submitted documentation and are just sending out generic rejection responses.
Given the confluence of malfeasant behaviors by Citi, the only conclusion that a reasonable person could logically reach is that Citi is neglecting their responsibility to adequately review disputes and communicate factual information to their cardmembers.
Again, in closing : Before initiating the litigation process, I would like to provide the individual tasked with evaluating this regulatory complaint an opportunity to do the right thing.
|
| 06/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Hello, After about four phone calls and speaking to about six different customer service reps at Citi Cards over the past few days I finally spoke to XXXX an account XXXX in Florida who is keeping this dispute open. He also told me for the first time after talking to multiple people on this issue that the claim was based on damages. This is the first I have heard of damages. When the car wouldn't start four hours after I rented it, there was no damage to the car. I will provide another outline of the transaction ; however, other than the car not starting the car was in the same condition as when I picked it up. This issue was not brought up in the letter I received on XX/XX/2022, from Citi. Also, you have sided in favor of XXXX even though I have provided proof in emails and receipts of what I am telling you. This is a list of the events.
1. I rented a car from XXXX at the XXXX XXXX XXXX on XXXX XXXX, XXXX for 13 days from XX/XX/XXXX - XX/XX/2022. I signed the contract for the car for XXXX XXXX which includes a XXXX XXXX gas deposit. We drove the car to XXXX and then to XXXX XXXX which is only about XXXX kilometers from the airport. At about XXXX pm we got in the car to leave the car would not start. We called XXXX customer service phone number from the restaurant nearby as we had no cell service and reported the break down. The agent told us he was sending road service. After nearly a two hour wait a man showed up and he couldnt repair the car. He looked at the car, we gave him the keys, the car was not damaged and we left. He did not offer us a ride to our hotel and spoke little English so communication was difficult. We had already called a taxi as it was near dark and we were two women with no cell phone service and needed to get back to our hotel.
3. The receipts for the cab fare are shown below dated XX/XX/2022, on our XXXX credit card at approximately XXXX. I can also give you a copy of the credit card charge although it was on my friend 's card.
4. When we arrived back at the hotel we tried to call again without being able to get through and the hold time was over XXXX hour. We sent an email below to XXXX explaining the situation dated XX/XX/2022 at approx. XXXX pm. We also sent you ( Citi ) an email explaining the situation and were told that the charges had not yet been posted. I tried to call XXXX customer service again without a response.
5. We stopped at the XXXX office on the island of XXXX at the airport Friday XX/XX/XXXX and spoke to the agent there explaining the situation. He said he checked on line and there were no notes in the computer system about our communication with XXXX. He also said, " XXXX happens ''. At that time he said it would take about XXXX days to receive a response from our email and not to worry. I have emailed XXXX XXXX times now without a response of any kind.
6. XX/XX/2022, we receive an email from XXXX asking if we are safe ( see email below ). we contact you cause the police call us. Your car is opened in XXXX XXXX since 8 days, with the keys inside. We need to know if you are safe.
We have tried to contact you by phone but it was'n possible.
Could you please contact us as soon as possible.
XXXX called me on the phone while I was on a tour and wanted me to pick up the car keys. I told them I have no transportation and it is not my responsibility to pick up the keys for their car that broke down. The service man from XXXX obviously left the car in XXXX XXXX. I am not a mechanic, nor am I the customer, responsible for towing or having a vehicle that I rented towed. If the police had the car for 8 days then obviously I was not driving the car.
7. I have tried calling XXXX multiple times but with hold times over XXXX hour and a cost of XXXX cents a minute I am not calling anymore. I emailed them the night the car broke down, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at XXXX and XXXX pm. and again today XX/XX/2022. I have never received any kind of response from XXXX.
The merchant failed to live up to expectations and honor the contract for a 13 day car rental. XXXX did not complete the service I paid for. Please re-review this dispute and provide a letter that explains why XXXX did not fulfill the XXXX rental contract. With these facts how can you deny my request for a refund? I rented a car for 13 days, and it lasted XXXX hours.
Their letter for my case XXXX without a date says that I rented the car from an intermediary, not XXXX. Who is this intermediary?. If there is an intermediary then provide a name, address, email and telephone number and their fee. There is no intermediary listed on the front page of rental agreement. Documents were provided in XXXX, not English. Please show me in English where I am required to pay for a service that I did not receive.
I received a {$37.00} credit out of {$950.00}. I will pay for the XXXX hours of use less the XXXX euro cab fare that we had to pay to get back to the hotel safely. Did you ever consider maybe that XXXX is not truthful about the facts. Please review the facts and accept my dispute. There is no question that the car broke down. In the US you wouldn't have to pay for a service not provided and when we left the car there was no damage to the car. Doesn't XXXX have any obligation to provide a car that runs for the full 13 days?
This whole process has been a nightmare. I am not allowed as a customer to speak to the person who makes the decision. Your answers are vague and do not respond to my specific questions. I have been a cardholder for over a decade and this is the worst customer service I have ever received.
I did receive a {$170.00}. credit from Citibank therefore at this time my dispute is for is for {$780.00} XXXX dollars ( {$950.00} less {$37.00} credit = {$910.00}. less {$170.00}. credit from Citibank = {$730.00} plus {$50.00} euro for cab fare to return to hotel for total of {$780.00} ).
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| 06/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Dear Sir or Madam, 1. BEST BUY/CBNA Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and 60 days late in XX/XX/XXXX. I immediately disputed this information with BEST BUY/CBNA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
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| 10/29/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. DSNB MACYS Account Number:XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with DSNB MACYS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 06/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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CitiCard has recently implemented a new policy that does not allow customers to pay their full bill. This affects all CitiCard card holders. I have been a Citicard customer for many years. This new billing policy needs to be brought to light in that it disregards the billing periods and prevents customers from paying their paper statement in full. Please see attached documents to help explain whats happening. This affects ALL their credit card customers.
Instead of normal practices where a customer receives a paper statement & can pay the entire bill at the end of the billing period, they are refusing to accept my full payment. They send me a paper statement which clearly sets out the cutoff dates of the beginning & end of the billing period & the amount due for all transactions during that period. For years I have chosen to pay my bill in full online at the end of each billing period.
The new policy mandates that I can only pay the amount that is on the computer screen at the date & time I want to pay it. However, that balance includes all credits that took place AFTER the close of the billing period shown on my paper statement. Because the computer balance is live, the balance changes in real time thereby creating a continuous discrepancy between my paper statement & the online balance. The computer will not accept the amount due on my paper statement.
Under the new CitiCard billing policy, if I return and item an item AFTER my billing period has ended, the computer balance immediately shows the credit on the account and calculates a different amount due for the bill Ive already received. Those daily transactions that take place after the billing period belong on the next billing period to appear for the next paper bill. Under the new policy, if I return an item to a vendor anytime after my billing period has ended and then try to pay my bill from my paper statement, even though CitiCard received that credit in a different billing period ( a week into the next bill ) my present paper statement due for prior transactions BEFORE the cutoff date is not longer recognized as valid.
This new policy of manipulating funds by slipping future credits into prior billing periods may have some sort of financial advantage to them, but its depriving me of my rights as a consumer. I have the right to be accurately billed for each transaction within the billing periods which they set, and they should be required to accept the payment for the billing period which I was billed. If Im billed a specific amount, but only pay a lesser amount each month, my records dont reconcile, because there is no record to justify the discrepancy between the statement & the amount paid. How do I explain that to IRS?
I keep strict financial records and depend on that paper bill ( which is my only proof of the specific transactions and dollar amounts that support what I owe for a certain period ) to reconcile all accounts. CitiCard refuses to accept my payment in full for my paper bill. Isnt that the purpose of a paper statement? Their computer payment site is specifically set up to only accept what the running balance is as of the day & time I try to pay it.
Last month, I tried to make a full payment. The computer refused to accept the full amount of $ XXXXand I spent a lot of time trying to enter it. I tried to contact them but after several attempts of being left on hold for more than 15-20 minutes & having the call dropped, I gave up and just clicked to pay the {$43.00} the computer would accept. Unknown to me at the time, the computer didnt even transmit the payment even though it was for the {$43.00} it wanted me to pay.
Upon receiving my next paper statement I discovered that they included the charge for the full amount of {$98.00} and added late fees, interest and penalties for that prior bill, indicating that they never received my prior payment for and penalized me for not paying on time, but the computer would still not allow a full payment of my current paper bill. Since my current bill is due very soon, I persevered and finally got a human on the phone and spoke to the customer care rep and then a member of the escalation team. They reiterated that I could only pay the amount that shows on the computer on the day and time I pay the bill. They did allow me to pay the {$98.00} over the phone for the prior bill but would not remove the penalty fees and still refused to accept a phone payment or any other form of payment for the full amount of my current statement. They were very adamant that their billing policy supersedes the paper statement. I must pay what the computer reflects and that if I didnt pay what the computer balance shows on the day and time I pay it, I will continue to be charged interest and penalties and there was nothing I could do about it. I then asked if they would accept the amount on the paper bill if I sent a check. They said no, the policy holds. I spoke with the XXXX the Customer Care Rep & then requested a supervisor. I dont remember his name, but he was from the Escalation Team! I was promised that I would get a call from Escalation Team 2 the following Monday or Tuesday - never happened. I tried to call them again to get a payment history, but I was left on hold until it dropped my call.
My present paper statement due XX/XX/20 is {$290.00} but as you can see on the computer balance at this moment is {$190.00} & the computer will not accept {$290.00}. Time is important to this resolution. I have 3 accounts with this company, which means that until I get this straightened out, I will have to pay them interest and penalties on all 3. This policy puts all customers and their credit ratings at risk.
Please, please help other customers may not have found out about this yet and wont know where to go for help.!!
Please feel free to contact me at XXXX or email me XXXX.
Thank you XXXX XXXX
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| 10/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. DSNB MACYS Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I immediately disputed this information with DSNB MACYS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. DSNB MACYS Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with DSNB MACYS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 08/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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To whom it may concern, I'm writing this because my account with Citibank was closed, and I believe without any consideration of customer rights and force majore situations due to the current pandemic.
I've been overseas since before the pandemic started and I can not travel back from XXXX until the next year.
I'm sure you get that kind of problems a lot these days. It's a human problem, we all are humans, banks serve not only citizens of US who are currently in US, they serve everyone with social security and those who have any sort of residency there.
I have had my Citi account since XXXX, when I moved to NY from XXXX to start my studies at XXXX XXXX.
While I travelled back to XXXX to make a film ( I'm a filmmaker and film industry activist ), pandemic started, I got stuck without being able to travel since embassies don't give out visas now and obviously with time there came issues regulating my XXXX XXXX account.
At first my Citi ATM card expired XX/XX/XXXX and I could not get a replacement from XXXX where I currently am. We had a war start here and state postal doesn't work here and at best takes 5-6 months for a post card to arrive. I requested a new card to be sent to me at some point but it never arrived.
Then because of not having an ATM card - my online account got closed so I could no longer see what was happening with my checking/credit accounts and neither could make payments from overseas where there is no Citi branch. This is so unreasonable. Why could not they maintain ppl 's online accounts? There was money on my checking account that I couldn't see or check the amount of! I had not idea that for a long time after having no more online access to my account, Citi started charging XXXX $ monthly fees for keeping the account open, then it got dried up, then accumulated late fees and in the end just got closed. No notification, no nothing. Whenever I called the Citibank before the closure, my actual problem wasn't even voiced to me.
Only recently, I received a new Citi card sent to me back in XX/XX/XXXX, tried to activate it and realized I no longer have an account! That's how I learnt what happened. This is understandable on a global scale of things, banks decided not to monitor people 's accounts anymore and they don't go running after them, if they themselves don't make sure to check on their accounts frequently. This is definitely a change in tactics and I don't want to go into things like loss of human value and reduction of care for standard customers etc. I'm disillusioned enough not to have illusions, but I simply do not consider that I should give up and be okay with that. Therefore, the only thing is left is to present things as they are and hope that on individual basis, some little insignificant improvements can become precedents of better customer care.
To give you a wider context of specifically my situation - this was my only US account and I no longer can open a new one indefinitely. It will make it harder for me to organize my life, my moving when I move back and even opening a new account.
I currently have {$260.00} negative balance on my account before it got closed. All this is just simply the result of 12 $ accumulating on top of each other and then giving be debts while I could not access my account from overseas. I called the bank and said i was ready to resolve the issue, pay the debt and have my account reopened. They said I was on time to do that because there is 30 day period after the closure when customers can still send a request to reopen. I asked them how I could pay the money if I was overseas - they replied I had to go in person to the bank and pay or send a check in the mail. I replied that I was overseas ( hence the issue! ) and I can not mail a check because it would take months to arrive, if it arrives at all. On top of that - since my only account has closed Citi checks should be non-operational too! They adviced to ask a friend to go in and make a payment on my behalf and ask to reopen my account. I bothered my cousin who is in LA, he drove a long way to find a Citibank from where he was, only to be told that I had to be there, or on the phone so they could accept his payment. When I called the bank and spoke to them saying that I'd like my cousin to pay my debt and send a request for my account to be reopened - they said it was impossible, because I had to be there in person to sign the document of the request!!! So catch 22. I asked the manager of the branch to find out if he could do anything, like have me send a letter of authorization, or do anything else, that could verify me - he said he would try, but called back soon saying he could not do anything if I wasn't there.
So, I had to just give up at that point.
With this letter, I'm asking you to please consider 2 things as the bas of this complaint : 1. In the era of remote financial operations and pandemic - asking someone to come in person to sign a request to reopen the account is at least ridiculous and at worst and deepest almost touches basic rights issue.
2. I have tried my best to resolve this issue, offered everything, tried to cooperate, talked to maybe 5 different customer care representatives - they all seemed puzzled but in the end uninterested to go extra mile for someone so " small '' like me. They receive hundreds of similar calls a day and they just simply do not want to bother. Now I'm finding this a core issue and stagnation of a system, when pandemic can slow down and fail operations of systems but customers are expected not to " slow down '' or " fail '' as if we are not humans and we just sit and demand things without working hard for other systems to be maintained. This case should be an example of simple unflexibility and unwillingness during pandemic, when the whole world is suffering and flexing.
Best regards, Filmmaker, journalist, XXXX XXXX.
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| 12/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I continue to be a loyal customer of Citibank since XX/XX/XXXX with an average balance of {$50000.00}. I also have Citibank credit cards ( both business and personal ) and I have had these credit cards for years. Words can not express my frustration in my repeated attempts to get Citibank to honor its obligations under a credit card promotion/special offer. I am so frustrated. I had no choice but to file this complaint for an investigation and resolution.
On or about XX/XX/XXXX, I applied for and opened a Citibusiness AAdvantage Platinum Select World Mastercard ending in XXXX ( the current last 4 digits are XXXX ). I wanted the card for the free checked baggage, boarding privileges, no FX fees, companion certificate, etc. I was also attracted to the 2x American AAdvantage miles on purchases. Pursuant to the Citibusiness AAdvantage Platinum Select World Mastercard online promotions terms and conditions, I would earn XXXX American AAdvantage bonus miles after {$4000.00} in purchases in the first 4 months account opening. ( See attached screenshot I took prior to applying for the card. ) On or about early XX/XX/XXXX, I called and spoke with a Citibank customer service representative ( CSR ). I inquired specifically to confirm that I was eligible for the XXXX bonus miles, and that I would receive them after the {$4000.00} in purchases in 4 months. The CSR advised that I was not eligible. I was told that it was because I closed a Citibusiness AAdvantage Select card ( ending in XXXX ) within the last 24 months and the offer did not apply.
I then advised the CSR that I have never closed my Citibusiness AAdvantage Select card and there must be a mistake on their end. I told her that my Citibusiness AAdvantage Select card ( which I opened in XX/XX/XXXX ) had been automatically converted from a Visa to a Mastercard ( ending in XXXX XXXX in XX/XX/XXXX, but that I have never closed my Citibusiness AAdvantage Select card. The CSR said I was correct -- I had not closed my Citibusiness card ending in XXXX. She said that the special offers department made an obvious error, and that she would send a reconsideration request to the customer service team, and I would receive a response in writing. She told me not to worry about it, that the service team would see the mistake and confirm my eligibility for the promotional XXXX bonus miles.
However, I received a XX/XX/XXXX account update letter stating that special offers will not apply when an when an existing account has been approved or closed within 24 months ( the card ending in XXXX discussed above. ) On XX/XX/XXXX, I once again contacted Citibank customer service and spoke with a CSR by the name of XXXX who stated she was out of the Florida office. She was very professional, and really cared. My experience with XXXX was wonderful. She spent approximately 45 minutes with me on the phone. I repeated to her that I received a letter saying I was not eligible for the special offer because the letter incorrectly stated I closed an existing account ( ending in XXXX ) when in fact I had not. I told her that my Citibusiness AAdvantage Select card ( ending in XXXX ) was automatically converted from a Visa to a Master card ending in XXXX. I never wanted to close, nor did I close my Citibusiness AAdvantage Select card ending in XXXX. It was converted to a Mastercard ending in XXXX. ( See screenshot with both accounts in my profile. ) XXXX, the CSR, put me on hold researched my account history. She told me that a mistake was made by Citibank in the letter because it was a bank decision to convert my Citibusiness AAdvantage Select card ending in XXXX to a Mastercard ending in XXXX. She said the card was converted in XX/XX/XXXX for all Visa holders of the card and that I had no choice in this conversion. She said your XXXX card was never closed ; it was converted by Citibank to a Mastercard ( XXXX ). She also double checked with a colleague who confirmed the same that my XXXX card was never closed ; it was converted by Citibank automatically to a Citibusiness Select Mastercard. She and her colleague stated it was a mistake by Citibank to deny me the promotional offer based upon an account closure within 24 months. She said I was indeed eligible for the bonus miles offer. She said she would send a request to customer service to investigate and that I will receive a letter confirming my eligibility for the XXXX mile promotion. I thanked her for her time.
Regrettably, nothing changed. I received a letter dated XX/XX/XXXX from Citibanks Customer Service Team informing me once again that its records showed that my account ending in XXXX was closed with 24 months of the account opening and I was not eligible for the one-time bonus miles offer. ( See attached letter. ) As of the date of this complaint, my AAdvantage miles have still not been deposited to my AAdvantage account, notwithstanding that I have spent more than {$4000.00} in purchase in 4 months.
Under the terms and conditions of the promotion I am eligible for the promotion as confirmed twice by two different Citibank Customer Service Reps via telephone. I made {$4000.00} in purchases in 4 months after account opening ; my business did not already have this card ; and I DID NOT open or close a Citibusiness AAdvantage card with 24 months of account opening.
I am very upset because Citibank is my bank and I personally feel let down after completing my obligations. I expect Citibank to do the right thing here, and to honor its obligations, especially to loyal Citibank customers such as myself that complied with the terms and conditions of a special offer. I seek an amicable resolution of this matter that can be easily achieved by Citibank honoring its obligations under the promotion by depositing XXXX American AAdvantage miles into my AAdvantage account. Please right this wrong. Thank you for your consideration.
|
| 12/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
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Web |
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On XX/XX/XXXX, I opened a Citi credit card for a 21-month period of 0 % APR on all balance transfers. Directly after being approved for the credit card, I initiated requests for balance transfers from three financial institutions : ~ {$4100.00} to XXXX XXXX ( this was a more exact dollars-and-change amount, like the others, but this transfer never went through, so I do not have record of the exact amount ), {$1000.00} to XXXX XXXX for an XXXX XXXX balance, and {$860.00} to XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX These amounts perfectly zeroes out the accounts as they stood on XX/XX/XXXX. I received no email confirmations that these transfers were initiated. On XX/XX/XXXX, after checking all of my balances multiple times per day for XXXX days, I called Citi XXXX XXXX customer service ( XXXX ) to ask XXXX ) if I have any pending balance transfers, as there were no pending transactions listed on my mobile Citi app in an area with the specific purpose of showing requested balance transfers, and XXXX ) if I have pending transfers, when they will appear anywhere in my app, whether in the list of pending balance transfers ( in a separate area from pending and posted transactions ) or in the list of pending or posted transactions ). The customer service representative, who I spoke to for XXXX minutes, told me that the request was not able to go through, but when I asked, she could not tell me why. I want to emphasize that she said the transfers were attempted, not that they were still waiting to be attempted. She said I no longer had any pending balance transfers, leading me to believe all three were attempted and failed. She said I would need to request them again online, and when I told her that their online balance transfer portal was not working ( a simple error message, saying to try again later with no error code ), she said I could request a balance transfer over the phone. So while on the phone, I read the credit card numbers for : XXXX, and requested a balance transfer of {$4100.00} ; the XXXX XXXX XXXX XXXX, and requested a balance transfer of {$1100.00} ; and XXXX XXXX XXXX XXXX XXXX ( XXXX ). After I read the XXXX card number, she told me that the credit union does not allow for balance transfers over the phone, so I would have to try on their website, which I again reminded her is not working, but I would keep an eye out for it to function properly again. I never did make a second request from XXXX XXXX XXXX XXXX XXXX because this had all been very stressful, and the interest rates at that institution weren't worth the headache of getting them waived by transferring them. On XX/XX/XXXX, the second {$4100.00} transfer from XXXX XXXX ( the one requested over the phone ) posted to my Citi account. On XX/XX/XXXX, the {$1100.00} transfer from XXXX XXXX also went through ( the one requested over the phone ). As these were the only XXXX I requested on the phone, in a phone call in which I was also told I had no pending transfers, I thought I was squared away.
I was incorrect. On the evening of XX/XX/XXXX, I received an email from Citi ( see XX/XX/XXXX - Your balance transfer request ) : " Hi, [ my name ]. We've received your request for a balance transfer to your Citi Diamond Preferred Mastercard account. We're unable to approve the request because the transfer would have caused your account balance to go over your available credit limit. '' I was surprised, as I was told I did not have any more pending transfers. I went to check my Citi transaction listing, and I found two new balance transfers listed : one posted from XXXX XXXX for {$1000.00} and one pending from an unnamed institution for {$860.00}, which I know to be XXXX XXXX XXXX XXXX XXXX. This newly posted XXXX XXXX XXXX ( though the first one I requested ) means I now have a debit of ~ {$1100.00} on that card because Citi informed me there was no existing pending transfer, so I requested another in the full amount of that debt. Neither of these transactions caused me to go above my {$7500.00} credit limit, leading me to believe that the email I received was concerning the initial ~ {$4100.00} requested balance transfer to XXXX XXXX, meaning that all three of those transfers requested on XX/XX/XXXX would eventually go through after my XX/XX/XXXX phone call, though I was told on that call that they could not go through, and that I would have to request the transfer again. Note how in the XX/XX/XXXX email, they fail to specify which balance transfer they are speaking of, and their suggested recourse is to call customer service, who, if my experience is any indication, will not know what balance transfers are of concern, nor even which are in their system as requested to begin with. Nonetheless, I did call customer service, and I requested they reverse the {$1100.00} transfer from XXXX XXXX, as it was only made because their representative told me there was not a pre-existing request. They said they are unable to reverse this transfer, and I would have to contact XXXX XXXX XXXX XXXX I had already contacted XXXX XXXX, who told me I would have to contact Citi ( see XX/XX/XXXX XXXX Card Customer Service ). Because no one else is taking responsibility, I'm contacting the CFPB. I also asked the representative to clarify that the {$860.00} and {$1000.00} would not cause my account to overdraft, and she said it would not. This then, in all likelihood, means that the email I received on XX/XX/XXXX, that a balance transfer could not be completed is regarding an XXXX XXXX pending transfer for ~ {$4100.00}, requested on XX/XX/XXXX, though I can find no record of this request anywhere in my Citi account ( see XX/XX/XXXX Balance Transfer - Status Page ). Needless to say, this also means I do not know if it will be attempted again, leaving me with a {$4100.00} debit in my XXXX XXXX, like the {$1100.00} debit in my XXXX XXXX account, which I do not want.
|
| 11/18/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
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Web |
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hello. My HELOC came due in XXXX of this year. At the same time, I switched jobs, and I also had a rental tenant in my rental properties quit paying rent, and also did $ XXXX worth of damage to the property. It was a bad deal, I spent every penny I had in savings and subsequently became late on my payments as I was waiting for refinancing paperwork from the mortgage company. It was a total disaster from the start and so far every step of the way.
My HELOC is with Citibank. I should have known that it was a bad deal because first off, the only way they would let me make payments, was to have a special checking account with them that I later discovered they were charging me {$49.00} a month for, a " maintenance fee '' if you will. Anyways, around the time the HELOC was coming due, I spoke to a lady named XXXX XXXX XXXX. She stated she would help me figure out the best way to address my HELOC, as my payments were escalating from about {$200.00} per month to over {$800.00} per month. She said she would call me the next day so we could go over the options. She never did. I received a fedex letter several months later with a self addressed 2 day air envelope inside, and I sent all of the requested information in. Days, weeks go by. I call in, they tell me that a mortgage specialist will call me back. Still I received no calls, no emails, no communication. Finally in XXXX, I kept calling, and low and behold, who do I get assigned to? XXXX XXXX XXXX. I had to schedule a call back with her, since she refused to return or answer my calls. She eventually calls on XXXX XXXX, late, but we talk and she tells me what I need to send in, and notifies me that they have a pending forclosure set for XXXX XXXX, so time is of the essence. I panic, but she calms me and assures me that she works in a group that deals with HELOC loans specifically and will get this taken care of immediately. She says she will email me a list of specific documents needed, and she does later that day. I respond and send everything in as requested, and I attempt to call her XXXX to verify the receipt of the documents. However, now Citibank/CitiMortgage has changed the phone numbers around and I can not contact her directly, instead I am directed to a different person who explains that I can not talk to her, but he would have to schedule another callback. I do. I then emailed her, and she does n't call back, nor does she respond to any emails. I email her everyday, over the next XXXX business days. No response, no call. I then get an email on XXXX XXXX, that my account is being taken over by XXXX XXXX XXXX I speak with him, and now he request that I resend all of the documents but he now requests another XXXX pages of additional documents. I oblige and email him everything. He says he will get in touch with XXXX and they will figure out why he is assigned to my first mortgage and she is assigned to my second mortgage. He explained to me, as she did, that I would have one single point of contact. I never hear from him again. I emailed him several times, and still no response. I then called Citimortgage yet again, then I am informed that I have now been reassigned to XXXX XXXX and I have to schedule a time for her to call me. I do. She calls me eventually on XXXX XXXX. She informs me that because I have so much equity in my house, that as a business decision, that Citibank who owns the XXXX mortgage, is going to buy out my XXXX mortgage, owned by Citimortgage and sell the house for a profit! But she says, never fear, I will take care of this and get the record straight. She admits that she can not guarantee that they will cancel the sale as of yet, but says we have plenty of time. Of course, she says I need to resend every piece of documentation to her email, for a third time, and I did. She calls me on XXXX XXXX and verifies she has everything she thinks she needs, and notifies me that she is also assigned to me permanently. I explain to her that I feel that I am being jacked around and mislead, and she reassures me that she will get to the bottom of this. In the meantime, a XXXX unmarked SUV arrives at my house and gives me foreclosure paperwork while I am outside in the yard with my family. My kids began to cry as I read that we are going to lose our house of XXXX years. XXXX says not to worry, because she will call me every XXXX and we can keep up to date with our case. She says she will follow up with me on XXXX the XXXX with an update. I never heard from her again. I emailed her on XXXX, and again on XXXX the XXXX. No response. I get another email, to inform me that I am being reassigned, yet again, for the XXXX time to XXXX XXXX. I called again today to talk to a supervisor. I spoke with a gentleman, who asked me a series of questions, and eventually kept me on hold for another half hour. I had to go back to work so I was unable to wait. Feeling distraught, I called the HOPE hotline, and they basically told me that there are no programs to help me, and Citimortgage holds all the cards, and the key to my families future. Great. They have already told me that they are going to buy out my first mortgage so they can have all of my equity over the past 16 years. Really nice. They continue to pass me around like a bottle of hooch, as the clock towards foreclosure ticks away. All of my claims are supported by multiple email chains, and I can supply those upon request.
I have nowhere to turn, and I do n't know what to do. Oddly enough, I do n't owe that much, and all I want to do is get the mortgage current, modify it, or do whatever it takes to get back on track, but I can not get anyone to call me back. You would think that after having XXXX years of being a loyal customer would help with a solid payment record would help, but when you have equity in your house, I guess that tilts the scale, and not in my family 's favor. Please help.
|
| 06/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Dear Sir or Madam, 1. CITICARDS CBNA Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and 60 days late XX/XX/XXXX. I immediately disputed this information with CITICARDS CBNA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX5 Date of Birth : XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
|
| 12/23/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I have been a Citi Bank consumer for almost 10 years. I recently opened an XXXX Savings account and a Citi checking account. I received an e-mail stating that my account was ready to be funded. I wire-transferred {$10000.00} from my XXXX XXXX XXXX account on XX/XX/2021. It cleared my account and was received by Citibank at that time. Today, XX/XX/2021, I logged into my online app to make sure that the payment I made to my Citi XXXX XXXX was processed and noticed that my savings account has been blocked and my new citi checking account had been closed.
I never received an e-mail requesting more documents, more verification or any notification that there was anything wrong with my application for these products. I called Citi bank and was told that there was an issue with the account and I would have to wait to call the Citi Bank banking center. I explained that I was now overseas and needed assistance and they told me to call back during business hours. I waited for business hours and then called and spoke to a representative who told me that there was some type of fraud on the account and she would need to transfer me to the fraud department. They could not explain to me what " fraud '' was on the account and why they decided to close my accounts. I asked what happened to the {$10000.00} that I transferred into my account from my regular account and they told me they would issue a check in 10-15 days back to address on the account. I advised that I am now overseas and that since I transferred them the funds, I would like them to deposit the funds back into the account that I transferred from. They stated they would not do this and and I asked to speak with a supervisor and the call was terminated with the agent telling me that they could no longer assist me.
I called back and spoke with a new representative and was given the same answers. I asked to speak with a supervisor and when I was getting no where with the supervisor I asked to be transferred to someone in the United States and rather than transferring me back to someone in the US the person hung up on me. I called again, re-explained the situation to a new representative and asked to be transferred to a U.S. representative - instead they transferred me to a supposed supervisor who then re-verified me with my social security number and other qualifying information and then told me she could not assist me and I needed to speak with the fraud department. While speaking to the fraud department, they re-verified me again, provided social security number, name of account holders, etc., and they were able to tell me that they did indeed refer my accounts for closure and when I asked them why, she said she could not provide further information. I asked what will happen to my {$10000.00} that was sitting in my savings account and they stated that it would be sent back in 60 BUSINESS DAYS to the address on file. I stated that I was told it would be 10-15 days and that I didn't understand why they would hold my money for almost 80 days ( including the time it had cleared my regular account on XX/XX/XXXX through today ) and then issue a check instead of transferring it back to my account from where it was sent XXXX XXXX XXXX XXXX I asked to be transferred to a U.S. Representative and again the call was terminated.
I called Citi card services so that I could speak with a U.S. Based representative because I was getting no answers or assistance from their non-U.S. Based representatives and again was transferred to their non-U.S. Based offices and spoke with another representative who also would not allow me to understand what was happening or why my account was marked for fraud. I again requested a US Based representative and again was hung up on. I did this over and over again over the course of 4 hours. Finally I called and spoke with someone in card services who directly transferred me to a U.S. Based representative who claimed he could not hear me and would call me back and after waiting for a few minutes never received a call back. I then called again to Card and this time was transferred to a U.S. Based Supervisor in banking who explained to me that when the application was initially done, the person who assisted me with the application might have put in the security password incorrectly and that is why no one was giving me any information. She further stated that the decision to close the account would stand and because I could not provide my full account number ( the app was locked for the accounts they decided to close and would not show me my full account number once they restricted it ) and because I had not yet received my debit card ( I am away for the holidays as is everyone in the residence ) that they could not provide further information and to call back. I asked her to file a complaint on my behalf and asked about the {$10000.00} that was transferred into that account to which she stated that they would indeed hold my funds for up to 60 business days before sending it by check to the address listed on the account " if '' that money was owed to us.
I explained that I received no notification from Citi Bank that there was anything wrong with my accounts, no phone call or e-mail that there was any documentation missing from the account. I asked why would they send me an e-mail letting me know they were ready for me to fund my account if they were going to close it two weeks later and then hold my money for up to what will now be almost 80 days. I was given the answer that this is policy. This is unacceptable.
I feel that it should not take the largest bank in the world 60 days to return my funds for an issue that was not created by me. The final Supervisor I spoke with indicated that the person assisting me with the application may have put my security question in incorrectly and they had no way to override it.
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| 10/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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1. GOODYR/CBNA Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXXXXXX and XX/XX/XXXX.
I immediately disputed this information with GOODYR/CBNA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 08/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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Dear Sir or Madam, *1. DSNB MACYS Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
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| 07/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On XX/XX/XXXX, I purchased a camera set that listed as its top feature a 1 year subscription with XXXX for monitoring. When the item arrived and I installed the cameras and went to register them XXXX indicated these only had a 3 month subscription. I contacted the merchant and was told that they would happily exchange the item and I asked them if the new item they would send would have the 12 month subscription as it was clearly advertised. After a few messages the merchant stopped communicating, especially after I shared with them that I spoke to the manufacturer and that they confirmed that this camera system never sold with a 12 month subscription. The final message I received from the merchant was a text saying that they do not sell that camera system with a 12 month subscription - despite that on that very day they messaged me that their listing still showed as the number one feature - a 12 month subscription. I thought long and hard about the next steps I wanted to do. The sale that XXXX had on the XXXX cameras had ended by the time the order had arrived at my house and I have gone to register the cameras only to find that I was a victim of fraud. Knowing that an " exchange '' would result in me getting the exact same thing and not what they were offering on their listing, I notified Citi and decided to be fair and placed an amount in dispute that was equal to the {$9.00} XXXX plus applicable tax ) per month for the months I was promised by the merchant that the merchant admitted they did not offer despite advertising that and my paying more than the competitors believing that what they listed in their ad was true. Citi shows that on XXXX XX/XX/XXXX, I opened the dispute. On XXXX XX/XX/XXXX, I sent them the evidence as their guidance says to send documentation via FAX or e-mail. In a later phone call, Citi admitted that items received via FAX while they did see them in my file, the system " was not able to read them '' so I had to send them again via email.
Despite providing clear evidence proving that I was a victim of misrepresentation, Citi refused to follow their own procedures concerning billing disputes. I provided a fax on XX/XX/XXXX that provided all the evidence they needed including a case number from a call I made to XXXX who said that the do not sell these types of cameras with a 12 month subscription and that the merchant was " mistaken '' in advertising their product with a subscription that is " never offered. '' Citi continually provided me with notifications and letters saying that I was responsible and continually closed the dispute. On XX/XX/XXXX, I provided a signed letter indicating exactly what happened and included in that PDF a copy of all the evidence, again. However, Citi ( it is claimed they were all automated ) notified me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX that they determined I was responsible. In reviewing Citi 's own guidance, as well as the legal definitions of misrepresentation, the merchant 's activities clearly fit into the definition of misrepresentation. They knowingly listed as the first key feature something that they knew was false. The offer of a 12 month subscription, a significant value of {$9.00} a month, was what induced me to make the purchase.
On XX/XX/XXXX, after receiving another notice that the dispute was closed and Citi determined I was responsible, I again texted Citi and the agent could not help. He provided me with the dispute number and the first call was disconnected. I called again and asked for a supervisor. The agent said that Citi provided me a {$92.00} credit and that the notifications I was receiving was " automated '' and in 7 to 10 business days from XX/XX/XXXX, the app would properly reflect that I was not responsible. I explained that every time I logged into the app and saw how my own credit card company blames me as a victim of misrepresentation and holds me, the victim, responsible, was very upsetting. On multiple occasions I requested a supervisor and the agent refused to connect me to a supervisor saying that the app would be corrected in 7 to 10 business days from XX/XX/XXXX and I just needed to be patient. I explained how upsetting it was to be a victim of a merchant and then to be a victim of my own credit card company with which I charge thousands of dollars a month on with the belief and understanding that when I am a victim of fraud or misrepresentation, the credit card company would hold the fraudulent merchant responsible. Here, despite my getting the merchant to admit that their listing was fraudulent and my providing all the elements that Citi needed to prove the merchant engaged in fraudulent activity, Citi re-victimized me through their " automated '' process that continually blamed me leaving me to feel that it is my fault for believing that what is clearly listed as a number one feature of an item might actually be false. I worked hard to try and resolve the issue with the merchant until it was clear that they defrauded me and if I had returned the item, the next cheapest replacement was more than {$100.00} more since the sale on XXXX was no longer running. No matter what I did to try and resolve it on my own, I would have lost a significant amount of money due to the merchant 's fraud, so I turned to Citi seeking their help and invoking my rights under a clear case of misrepresentation. I was proactive getting them evidence they could use to hopefully pursue the merchant for intentional misrepresentation. Yet, the only action the " investigation '' seemed to provide was the finding that I, a clear victim, was responsible. Citi led me to believe that even if you prove you are a fraud victim, tough, oh well. Citi, the multi-billion dollar company blames me for allowing myself to be a victim. That is a truly sad example of what customer service should NOT look like.
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| 03/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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I feel I was cheated out of a full refund of my {$440.00} deposit for a tour I had charged to my Citibank XXXX XXXX XXXX XXXX Mastercard. I also feel the fault lies with XXXX Billing Disputes Department. It was a straightforward dispute. Summary : On XX/XX/XXXX, my travel companion and I each charged a {$440.00} deposit to our bank credit cards. The deposit was for an XXXX tour package offered by XXXX XXXX XXXX beginning XX/XX/XXXX.
On XX/XX/XXXX, per media reports, XXXX XXXX XXXX ceased operations and all holidays departing on or after XX/XX/XXXX were canceled.
On XX/XX/XXXX, I received in the mail a letter from the accounting firm XXXX XXXX saying XXXX XXXX went under Administration. XXXX XXXX recommended all US citizens submit a claim through their credit card company. That day, I opened dispute XXXX online with Citibank. My travel companion opened a dispute with her bank, XXXX XXXX XXXX, Visa.
On XX/XX/XXXX, Citibank Billing Disputes Department asked for supporting documentation for proof of cancellation. On XX/XX/XXXX, I emailed them the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX. Note : My travel companions bank requested proof of bankruptcy on XX/XX/XXXX. She emailed them the same documentation that I had sent Citibank, they found it valid and her conditional credit was promptly made permanent on XX/XX/XXXX.
From XX/XX/XXXX until XX/XX/XXXX, I went back-and-forth with the Citibank Billing Disputes Department arguing with compelling evidence my case for a full refund. I felt the Citibank Billing Disputes Department mishandled the dispute and did not protect me under the law. To cut my losses and maintain my stellar credit, I eventually settled for a {$190.00} credit, 43 % of the charge. I then decided to open a complaint with the CFPB to look into this case, get better answers from Citibank and perhaps help consumers in the future.
<==============================================================> A full account of my miserable consumer experience can be found in the attached Timeline for Citibank Dispute XXXX and supporting exhibits.
I hope to get a thoughtful response from Citibanknot a formulaic one like their automated letters or no response at all.
<==============================================================> Questions for Citibank and Considerations for CFBP 1. Citibank : Why did you not believe the documentation I sent you proving XXXX XXXX was insolvent and could not possibly provide the tour but instead kept insisting that there was no proof of cancellation?
2. Citibank : Who did you actually communicate withthe merchant or the merchants bank? I can not believe you communicated with XXXX XXXX because I could not reach them via phone or email. If you communicated with the merchants bank, what did they say?
3. Citibank : Did you properly follow the Mastercard chargeback rules and procedures for " Travel services arranged through an online travel agency or tour operator that were not received and the travel agency or tour operator is no longer in business. "? Is so, when? I sent you all the supporting documentation for unprovided services on XX/XX/XXXX, three days before the tour was scheduled but never took place. If you did communicate with Mastercard, what did they say? Your last form letter to me said you no longer have any available means to assist you in this matter since the timeframe in which to resolve a dispute has passed. You were responsible for the delay.
4. Citibank : Why couldnt you reopen a conditional credit for a dispute for my account? The online Dispute section for my account said Conditional Credit Applied but it wasnt reflected in the accounts list of transactions. Very confusing.
5. CFPB : I thought I followed all the rules for opening a dispute for a service not provided by an out of business merchant. If I overlooked something, can consumer law and protections be further clarified, simplified and/or standardized for all bank/card network credit card purchases? Just as an example, when the airlines, especially United, were trying to force future travel credits/vouchers on customers when they cancelled flights during the pandemic, the DOT issued an XX/XX/XXXX Enforcement Notice and I was lucky enough to get airline refunds on another trip. The airlines get bailouts, the banks get bailouts/Federal Reserve loan backups, its a toss-up for the consumers : can get consumer-friendly support or get a hard time.
<============================================================> I wanted to say I have been a good Citibank customer for over 30 years with very few disputes. For all my loyalty, I felt like I have been slapped in the facewhat should have been a chargeback to the merchants bank ( since XXXX XXXX was insolvent ) and a refund in my favor was instead countered with evasiveness or perplexing replies ( How could Citibank say there was no proof of cancellation when the merchant was completely out of business? ), multiple phone calls and live chats, a partial credit and just lack of support and, what I feel, not protecting me under consumer law. This shows what a broken bureaucracy Citibank is when things dont go smoothly. My travel companion, a non-elite XXXX XXXX XXXXXXXX Visa credit card holder was refunded within two months. My niece who has had her XXXX Visa card for less than half the time I have had my Citibank card, got a XXXX XXXX refund from her bank when XXXX tried to force a significantly change flight schedule on her or accept a voucher. These banks know how to treat their customers. On Citibanks emails to me, at the bottom it says " Citi is at your side before, during and after every purchase. NOT! All I can say, if Citibank does not care for my business, then I will not give them any. I will not use the two credit cards I have with them, make them dead accounts and Citibank will be dead to me.
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| 03/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have an XXXX XXXX credit card account with Citi. The card was closed over XXXX years ago. The balance was XXXX. Ive been paying {$50.00} twice a month and not missed a payment in over XXXX years. I have been paying well more than the minimum payment so to get the card paid off as soon as possible. The normal minimum payment is around $ XXXX. Back in late XX/XX/XXXX I got a new bank account and forgot to update my new account info for the automatic withdrawals. My XX/XX/XXXX payment for {$50.00} went through but when Citi tried withdrawing the extra payment for the month of XXXX on XX/XX/XXXX it was returned which I did not get notified had happened. I got an email on XX/XX/XXXX from Citi notifying my XX/XX/XXXX payment was returned and I needed to update my payment info. I immediately logged into my Citi account and updated my new bank information and made the payment that was returned for XX/XX/XXXX. On XX/XX/XXXX Citi somehow still tried pulling my payment from my old closed account and not my new account that I updated which this payment is an extra payment again so it is not considered as a non payment I made my XXXX payment. I got an email on XX/XX/XXXX i again received notification of Citi trying to pull from my old account. I immediately went online and completely deleted my old account info so that could not happen again. My account said I was up to date with payments as The payments being returned were my extra payments. My automatic payments were and have always still been active. It said my next payment would be pulled on XX/XX/XXXX in which it was finally from my new account with no problems. Once I completely removed my old account info there was no issues since. In XXXX I got a notification from my credit report stating I had a new account with a missed payment history and it was Citi saying I had a late payment! I called Citi immediately and spoke to a very kind customer service rep. I explained what happened. She apologized, said she would immediately fix it. She refunded me all of my returned payment fees with the exception of the XX/XX/XXXX payment as that one was my fault and said they would send the credit agencies a letter with an update stating I had no late payment and it would be to them within XXXX business days. She also stated Citi would send me a letter of the payment history fix to have for my records. A few weeks passed and I received no letter nor did my credit get fixed so I called again. Again I talked to another rep that was very kind and immediately stated I was not to worry it hadnt been the full time, that if My credit wasnt fixed by the following week to call back and stated she would also send the letter to have for my records that was supposed to be sent immediately the first time. Then on XX/XX/XXXX I get an alert from my credit report stating Citi updated my account balance with the credits from all of the returned fees but did not fix my payment history. So I again called Citi but this time i got a very rude rep. I was told there was an investigation into the matter and that it was founded Citi was in the right and was not changing the payment history! I tried explaining even if the bank account mix up my fault ( which it was not ) regardless I still had and have not missed a single payment for the fact alone that Ive been making XXXX monthly payments for the last XXXX years for no reason except to take care of my obligation to pay off my debt in a faster manner paying an extra {$75.00} more a month than the minimum amount due!! Which in the end has now hurt me more than helped being that I wouldnt even be in this situation if I hadnt had that extra monthly payment set up. But The rep wasnt listening nor did he want to listen. I asked to speak to a manager and was told none were available. That I would get a call back within 24hrs. I never got the call. So I again called and this time got to a supervisor who was absolutely awful. Would not even listen to what happened. Just kept saying I was wrong and Citi was right. He didnt care what the original rep said nor the second one. So I asked for copy of the recording from both of my calls to the reps who promised this was being fixed. He said I do not have the right to request a copy and said I cant do anything else about the situation. I asked to speak to his supervisor or someone above him and he said he was the top that there was no one above him. He just kept going back to the returned payments not listening they were extra payments! I even asked if he would please listen to the recordings of the conversations and he said no, just no period. That again he didnt care what his rep said. I am attaching the statements showing the payments Ive made, the returned payments and then the credits for the returned payments. As shown on the statements Ive never been late, Ive never had a past due, and Ive made at the very least XXXX payment every month. This has ruined my credit dropping my score 40pts for just one missed payment that was never missed. Its wrong they can do this to people. Especially to customers doing everything the right way and then some to pay off their debt. Its not been easy paying the $ XXXX but I do it when I could have been just been paying the {$30.00} minimum payment. Now that extra payment has done the opposite and ruined my credit. Please help me resolve this as soon as possible.
Payments made : XX/XX/XXXX + {$50.00} ( payment due for XXXX {$39.00} ) XX/XX/XXXX + {$35.00} ( payment due for XXXX {$35.00} ) XX/XX/XXXX + {$37.00} ( payment due for XXXX {$33.00} ) XX/XX/XXXX + {$37.00} ( payment due for XXXX {$38.00} ) XX/XX/XXXX + {$25.00} As shown Ive never missed a payment. Ive always been on automatic payments and both times I immediately took care of the mix up. The first time in XXXX being my fault and the second time in XXXX when it wasnt my fault.
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| 05/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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In XXXX of XXXX during a conversation I was made aware of an issue with Citi due to something called XXXX XXXX. After doing some digging I realized that I was enrolled in this program and tried to find out what it was. Unfortunately there is no tie to XXXX XXXX anywhere on the Citi website, and as the attachments show there is not a XXXX XXXX website that exists.
I was able to track down a phone number via a statement and called to find out what the program is. I was then told of services and a plan that I never enrolled in. I instantly cancelled my enrollment because I was unaware I was a part of it and slowly came to the realization that Citi and XXXX XXXX had taken thousands of dollars from me over the course of years. I went back through old statements and looked on in horror to see that this XXXX XXXX is simply listed as a fee and not an extra service, nor something I enrolled in. It is on the second page and looks like a charge and nothing else. Without knowledge of being enrolled in the program it is impossible to know what it is and it only looks like the cost of doing business with Citi.
After finding out about this program that I was enrolled in without my knowledge I did more research only to find that the CFPB fined city XXXX XXXX dollars and ordered them to pay back XXXX XXXX to duped customers which I was one of. However, I never received a refund, nor any communication from city in or around XXXX when this refund took place. Nor did Citi send out any information when they were fined in XXXX to individuals enrolled in XXXX XXXX what had happened with the fine, what the program was, why they were in the wrong, or what to expect regarding refunds. Aside from newspaper stories and what was published by the CFPB it appears they swept things under the rug.
At the end of XX/XX/XXXX I reached out to numerous Citi customer service reps and was told repeatedly that they could not give me any information on XXXX XXXX because it is a separate department and could only show that there was a case that I requested pending. Further, I called XXXX XXXX numerous times and all they could say was that a request was sent for review to some department in Citi that was impossible to transfer me to. I repeatedly said that I never enrolled in this program, wanted my money back, and was frequently passed around. In one instance when I called the XXXX XXXX number it redirected me to a service that tried to sell me services as opposed to any customer service.
In XXXX of XXXX I received a letter from Citi saying that I enrolled in this program in XXXX and that because I was covered by the program I could not receive a refund. I immediately inquired for a new review because a. ) I never signed up, b. ) they issued refund for their practice with this company ( something I should qualify for ) c. ) was never notified of the program, details, supposed benefits d. ) was not notified of they refunds, payouts, or the issues involved. I received another letter saying the same thing, that I signed up in XXXX and would not receive a refund.
I then set up a complaint with the CFPB regarding some of the information that I stated clearly above, and my need for a refund for any and all fees paid to XXXX XXXX based off of Citi 's deceptive practice for which they were fined. Yesterday, I received notice from Citi that I will not receive a refund based off of weak and deceptive claims that do not answer the questions answered.
As I have always said I did not enroll in the program. Citi claims that I did over the phone in XXXX but does not have any record to prove this as they clearly mention in the letter attached. This alone, along with their fine and fee should be grounds for a refund. They were proved deceptive, can not prove I signed up which I state I did not, and should thus refund all fees from XXXX XXXX. Second, they state that there were communications sent in XXXX, one via email and one via mail. These communications were never received, nor can Citi prove they were delivered. Their letter states that they did not receive notice that they were " undeliverable '' but only certified mail would be returned to the sender and a letter from Citi would not have met this criteria. Thus, to use that as legal standing is once again deceptive and simply incorrect.
Finally, as the letter states the fees are listed on the statement which is true but also not clear nor understandable. There are numerous numbers, fees, lines of interest, etc. on every statement. As an individual that did not sign up, did not know of the program, and without any knowledge of it there is no way to know it was an add on. It is only listed as a fee and does not state it is with a separate company or outside entity.
All of these reasons clearly show the pattern that Citi engaged in and has continued to even though they were fined and were forced to submit refunds. These continued practices along with no proof of communicating to me the consumer, nor proof of my enrollment qualify for a refund and should have happened in XXXX. Marrying this with their lack of communication of the program, what it entails, or that Citi was found liable for their practices further shows that there should be a refund.
The letter Citi sent is flawed, makes blanket generalizations, carries no proof of good faith operation, nor consumer conscience. It only shows a weak attempt to skirt the issue and not address what should have been made right in XXXX via refund. Further, the communication they claim they sent in XXXX does not do anything and should not mean anything considering the company was found liable in XXXX. Citi was cited for deceptive practice and supposed communication that can not be proved is not grounds worth standing on in light of the finding by the CFPB.
A full refund should be issued immediately.
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| 11/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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1. XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account.
I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/1996 XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
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| 10/12/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
Older American |
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BELOW is the letter I sent to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( all CitiBank executives ) on XX/XX/XXXX.
_________________________________________________________________ XX/XX/XXXX Good Morning : My name is XXXX XXXX. I have been a Citibank customer since XXXX having opened a CitibankXXXX XXXX XXXX card. On XX/XX/XXXX, I received an email from Citibank offering a promotion. The offer indicated that if I were to open a Citibank Gold checking account and meet certain requirements, I would receive XXXX miles added to my XXXX XXXX XXXX miles account. The requirements, as I understood them ( and confirmed with one of your customer service representatives at the time of opening the account ) are outlined as follows : 1 ) Spend {$1000.00} via Gold debit card ( card accompanying the checking account ) 2 ) Make bill payments for one or two consecutive months ( to be set up after debit card arrives ) 3 ) Maintain account for a minimum 90 days 4 ) Optional : Close account after XXXX miles added to account I opened the Gold checking account on XX/XX/XXXX. I received the debit card in early XXXX and initiated bill payments beginning XX/XX/XXXX. In the month of XXXX, I made bill payments to three companies totaling {$1100.00} and in XXXX, my bill payments to five companies totaled {$1900.00}. I believe that I fully met the Bill Payment requirement.
I enrolled my CitiGold Debit Card as the selected payment method for XXXX payments. My debit card purchases from XXXX through XX/XX/XXXX totaled {$1300.00}, excluding the XXXX payments Having believed that I had fulfilled the requirements of the promotion offer, I waited until the end of XXXX for the XXXX miles to be added to my XXXX XXXX miles account.
On XX/XX/XXXX I contacted CitiGold about the fact that the miles had not shown up in my AA account. I was informed that the payments made via XXXX are not categorized by your definition as a Debit Card Purchase. Please note that my debit card spending exceeded the {$1000.00} requirement, NOT counting the XXXX spending. The agent with whom I spoke initiated an investigation and filed my complaint. As of XXXX, I had not had a response from Citibank, so I called again and was informed that my request had been denied, that I had not met the requirements and that I would not be given additional time to meet whatever requirement I had not fulfilled. Again, the emphasis for not meeting the requirement was that XXXX purchases are not considered debit card purchases. I ( and other consumers ) would not be aware of your internal processing terminology, but certainly making payments from my Citi Gold Debit card via XXXX is a debit card transaction. How would any consumer know that you dont characterize it as such? I asked one or both of these customer service representatives if they could send me a copy of the fine-print terms of the promotion and I was told that they could not send the terms to me, but that I could go into a banking office and ask for the terms there. Because I left for vacation on XXXX and returned XX/XX/XXXX, I have not yet gone to a banking office.
Today I found in my CitiGold on-line mail account a letter dated XXXX indicating that my debit card purchases of {$1000.00} were not made within specified timeframe. This is the first time I have heard that there was a specified timeframe for debit purchasesin my several phone conversations with your customer service representatives, the issue has been that the XXXX purchases dont count. Never has there been a discussion of a timeframe associated with meeting the debit card requirement. If I had understood that there was a timeframe requirement for making debit purchases, I would have ensured that the requirement was met.
I received a letter in my Citi on-line mail dated XXXX. The letter ( although the content is now missing in my mail account ) indicated that, as best as I can remember it, in order to continue my Citi Gold account, I would need to deposit {$200000.00} into the account. I do not know anyone who would keep {$200000.00} in a checking account. My conclusion is that the promotion offer was nothing more than a scheme to lure customers into opening a checking account and later making a deposit of XXXX
I am disappointed in how this promotion offer and investigation/outcome has been handled. I request that the XXXX miles be added to my XXXX XXXX account immediately. I am hopeful that you and your colleagues can find some way to resolve this situation for me and that you will value the fact that I have been a customer since XXXX.
Best regards, XXXX XXXX XXXX _________________________________________________________________ UPDATE As of today, XX/XX/XXXX, I have received no response from any of these executives or any other Citi representative. Since sending this email, I visited the local Encinitas CitiBank office ( on XX/XX/XXXX ) to request a copy of the specific terms of the promotion and was informed by Citi employee, XXXX XXXX, Head Concierge, that on-line promotion information is NEVER sent to the banking offices. Obviously this is in direct conflict with the information I was given when I discussed my complaint with Citi representatives by phone in late XXXX. At that time, I was told that the on-line representatives were not permitted to send promotion material and that I should go to the banking office to get it. I believe that my complaint falls under XXXX.
I met the criteria requirements and then was given different explanations for what didn't meet the criteria, I was told by the phone contact in XXXX that she was not permitted to send me the terms of the promotion, that I should go to a banking office to get them and the banking office representative indicated that terms and information about on-line promotions are never sent to the banking office.
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| 10/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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Dear CFPB, I was following the exact directions provided to me by a Citi Bank employee when booking a flight to get back home after an emergency when traveling ( the records of which conversation have been denied to me several times ). I very specifically asked the employee giving me directions for any documents or any other requirements for me to get these charges refunded and none were given to me.
Citi Bank is now refusing to honor what had been offered to me initially, and have left me with the charges and the accrued interest charges that resulted from me following the EXACT directions given to me by the company. They are citing that my claim does not meet their terms and conditions, and are now amending the initial conversation saying that " there was no guarantee ''. This information should have been given to me when I called to ask about it, had that been the case I would have made other arrangements. but it was not.
I have reached out to their " Presidential Office '' and they have once again washed their hands off their mistakes and are citing their policies as means to avoid giving me back the money they owe me.
Here is a transcript of the letter I sent with all the details : Office of the President Citibank/Citigroup XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/2018 RE : Claim Number XXXX Acc : XXXX Formerly XXXX To the office of the president, Thank you for receiving this correspondence. I am forced to seek your support after numerous attempts at resolving this on my own with your different customer service departments. Please allow me to elaborate on the issue.
Earlier this year I used my Citi card to book flights to a wedding in XXXX, XXXX. On our way back from the wedding or flight was scheduled to have an overnight connection in XXXX XXXX ( Sunday Monday XX/XX/XXXX ). Unfortunately, I fell violently ill as we landed in XXXX XXXX the night before, I had a doctor evaluate me and he advised that I should not fly in such conditions among other recommendations.
Having a miserable night at the hotel in the airport I attempted to put myself together, but I was unable to make it to the very early morning flight. Feeling ill and in distress I remembered that Citi offers travel protection, so I called the number in the back of my card to inquire about it.
The customer service representative CSR I spoke with the morning of XX/XX/XXXX ( XXXX? ) was extremely helpful. After explaining the situation to her she advised that I indeed had protection for this trip. I asked her to help me verify I had purchased my tickets with my Citi card and she went back through my transaction history and confirmed it. I distinctly remember asking her if there was anything I needed to do in order to obtain the benefits, which documents I would need to obtain, etc. I even enquired about whether or not I had to look for tickets under a certain price range. She replied dont worry, just do whatever you need to do to come home. She advised that I should call back and begin the claim upon my return to the US.
I did exactly as I was told by your customer service representative, I booked the earliest flights I could to get back home.
After returning home, I did as I was asked to do and called back to begin my claim only to be met with an immediate refusal to even process my claim from the claims department representative ( XXXX? ). After a lot of back and forth, the representative agreed to initiate the claim. I never heard back from anyone, no temporary hold was placed on my account to prevent interest being charged, nothing.
After many weeks of not getting anything back, I called a couple of times and I was told that my claim had been denied on XX/XX/18. Shortly after I got the denial letter in the mail.
I called the number in the back of the card a couple of times and went through the usual struggles of having to explain my situation over and over to multiple people, got bounced around between customer service and benefits, and ended up speaking to a manager ( XXXX XXXX ) in customer service on XX/XX/XXXX. She said she would try to contact management to explain the situation and get their support in the claims department. After a few minutes hold, she transferred me to XXXX in claims. XXXX advised me that he was only told I needed help but XXXX explained nothing to him, so once again had to explain everything. XXXX walked me through the claim response letter but was surprised that I was not given the option to appeal the claim decision, so he advised me to email the documents to the claims email address.
On XX/XX/XXXX my submission was once again rejected for the same reason. I attempted to reach out to XXXX several times afterwards, finally getting a hold of her in XX/XX/XXXX. XXXX advised that my only course of action was to file a dispute against the airline from whom I bought the replacement tickets. I explained to her that I was not going to attempt that as the airline ( XXXX ) was not at fault at all, they had just sold me the tickets I was told to buy by your CSR on XX/XX/XXXX. I explained to XXXX that I had an ethical conflict with that alternative and she told me that no further options were available to resolve this except for writing this letter.
Almost 90 days after the incident, along with hours wasted on the phone, I am now stuck with over a hundred dollars in interest charges, and the ~ {$12000.00} worth of tickets that I can not afford. All because I was following the exact directions I received from your CSR. I had to perform a balance transfer to stop the interest charges on my account while this is resolved.
I ask that Citi issues a credit to my account in the amount of {$1400.00} as restitution for this incident as soon as possible.
Thank you very much in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
|
| 10/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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A few months ago I noticed a charge on my Citibank statement from almost 1 year ago ( Due to personal health issues and 3 deaths in the family which required I travel outside of the country, I did not see the charge until XX/XX/XXXX XXXX, in the amount of {$8800.00} charged in XX/XX/XXXX at XXXX XXXX ( Merchant ). I immediately notified Citibank in XX/XX/XXXX and spoke with the Security Department to file a fraudulent charge. I spent 4 months ( XXXX - present ) speaking with Citi staff, Supervisors and leaving multiple messages for the lead investigator who happens to be overseas and does not have a phone number or access to telephone communications. I have sent multiple emails to the investigator, no response. My only contact has been with Citibank staff and Supervisors. I and my authorized user at the time, did not authorize any charges. In my initial phone call with Citibank, I was informed that a physical credit card was not used/swiped at the location and that the purchase was made online. My authorized user did make a purchase of {$1200.00} around the same time at the Merchant and perhaps that is how they obtained the card number. In doing some research, I found out that the Merchant is my ex-husband 's brother in law XXXX XXXX XXXX - owner of XXXX XXXX XXXX. I have not been successful in reaching him to find out what the charge is for and who made it. After 3 months of back and forth phone calls with Citibank and my full cooperation, I was told that Citibank did not have enough information, therefore, they will be ruling in favor of the Merchant and charging me for {$8800.00}. I tried to obtain a Police Report from local authorities but since I know of the Merchant, I was told this was a civil matter. I explained to Citibank that I am unable to obtain a Police Report in my City/State. Citibank claims they do not enough information so they ruled against their client of 15+ years. I have never had issues with Citibank until now. Citibank supervisor I spoke with for months XXXX XXXX - Texas branch ) said she attempted to call the Merchant and request a copy of the receipt. I was later told, no receipt was provided. XXXX advised me that she spoke with a lady named XXXX XXXX ( Who is not the Merchant but the Merchant 's spouse ). Below are some of the questions Citibank asked XXXX XXXX and the responses ( Please note, the following can be verified via recorded phone calls and transcripts that Cititbank retains ) : Citibank : What is the charge for?
Merchant 's Spouse : No response provided Citibank : Who authorized the charge : Merchant 's Spouse : XXXX XXXX ( Me ), she came into the office in person.
Citibank : Are there any records of this transaction : Merchant 's Spouse : No, we discard our records within 5 months.
Citibank : How was this undisclosed item received/obtained by XXXX XXXX?
Merchant 's Spouse : It was shipped to her.
Citibank : Can you provide proof of shipment/label?
Merchant 's Spouse : No response provided.
Citibank attempted to reach the Merchant 's Spouse on 3 other occasions to get evidence of said purchase and were told by the Merchant 's Spouse that she will file a harassment case against Citibank if they don't stop harassing her.
I followed up with the Supervisor a few days later to find out what is the status of my case and I was told that they can not credit my account for the {$8800.00} because they don't have enough information and this may be a civil case. I am not asking Citibank to interfere and resolve a civil matter. The facts are these : I nor my authorized user have NEVER walked foot into this Merchant 's location, never authorized a charge in the amount of {$8800.00}, never received any goods/services, and till this day, Citibank and myself do not have the slightest clue as to what was purchased. This supposed item was shipped to me according to a statement made by the Merchant 's Spouse. Citibank has failed in their investigation. Citibank should have requested proof of delivery/shipment. No physical credit card was used for this transaction. There is no proof that I or my authorized user charged {$8800.00}. The Merchant doesn't even have an online website! I'm not sure how an online transaction was even authorized in this case. Citibank is claiming two things : First, not enough information to rule in my favor ( Which is absurd - not enough evidence should not get you stuck with a fraudulent charge ) ; Secondly, since I know of the Merchant XXXX XXXX XXXX XXXX, Citibank is claiming it's a family/civil matter. Merchant is my ex brother in law who I was not aware had this business until recently nor was I aware he obtained my credit card number. I requested to appeal the decision and was told that Citibank does not have an appeal process in place. I have spent 4 months and endless hours on the phone, cooperating and providing everything I can. I have offered to send an Affidavit to confirm that I and/or my authorized user are unaware of this charge and Citibank has refused. Citibank has been completely unreasonable. I was told I should have Billing Disputes evaluate the claim. On XX/XX/XXXX, I sent a certified letter to Billing Disputes. On or about XX/XX/XXXX, I received a letter from Billing Disputes requesting more information. I provided a long letter explaining what had transpired. On XX/XX/XXXX, I received a follow up letter from Billing Disputes stating that the Security team has already made a ruling on my case and that it is final. In what world does a client have to be stuck paying an enormous amount ( {$8800.00} ) for something that I am not responsible for. No receipt, no shipping label, no description of item/good ( s ) purchased has been provided by the Merchant. Yet Citibank still believes I should be held responsible for an unauthorized fraudulent charge.
|
| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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Macys Credit Card XXXX XX/XX/XXXX Original Complaint Reference CFPB : XXXX Macys Account Ending : XXXX Account Opened : XX/XX/XXXX I Have had a Macys credit card for 1 year I have never had any issues making on time payments however due to the global crisis in XXXX, I experienced financial hardship. So to cushion the burden of my bills, I called Macys on XXXX XX/XX/XXXX, and requested for a credit increase, this was declined. On XXXX XX/XX/XXXX, I called to find out the status of my credit increase as the bills started to pile up. I called again on XXXX XX/XX/XXXX, then on XXXX & XXXX of XX/XX/XXXX, to confirm what my outstanding balance was, as I wanted to ensure that I could cover the minimum payment due. I called again and spoke to a representative on XXXX XX/XX/XXXX and I was told that I had incurred one late fee which was applied onXXXX XX/XX/XXXX. I requested that the late fee of {$40.00} and interest of XXXX cents to be credited to my account, as I was suffering financial hardship and needed the financial relief. The request for the late fees to be credited to accommodate my situation by Macys was granted. I then called back on XXXX XX/XX/XXXX to confirm that I had lost my job. On XXXX, XXXX & XXXX XX/XX/XXXX, I called to find out the minimum balances and why I had not been receiving any alerts from Macys to remind me when my payments were due, they reactivated the alerts and apologised. I again called Macys to update them of my situation as I was unsure if I could afford the payments at that time.
The correspondence received from XXXX XXXX, Macys admin, letter dated XXXX XX/XX/XXXX, she failed to address the points raised within the body of my letter. I called XXXX XXXX on XXXX XX/XX/XXXX, to give her the opportunity to remedy the situation but to no avail she was regurgitating the verbiage in her initial response and appeared to be robotic in her response.
This was disappointing to say the least. This situation has caused me psychological stress and I am extremely disheartened in how Macys have displayed no discretion not taking into account my personal circumstances and applying leniency, considering I had no prior payment issues they furnished this late payment on my account unlawfully.
There are several violations that have occurred, that Macys needs to be held accountable for. The federal law protects consumers of which they have been in violations of. See below ; According to The Cares Act XXXX, the law requires creditors to report any account that has a payment accommodation applied to it, ( of which Macys granted me on XXXX XX/XX/XXXX ) as current, to the credit bureaus. The law states that an accommodation could be an agreement to make payment, to put a loan in forbearance, to modify a loan or to offer any relief. To protect consumers against being reported as delinquent, if they utilise these options, The Cares Act calls for creditors to adjust how they report accounts that have been modified.
( 2 ) If the loan is considered delinquent ( past due ) when you make an agreement with the creditor, the status will continue to show as delinquent until you bring the account back into good standing. Once the account is brought back into its current state, the creditor must report the status as current to the credit bureaus.
I expected that given that I had always had my account in good standing order with Macys the majority of the time, I expected them to act fairly and lawfully, knowing that the current economical climate has changed therefore the complexion of peoples situations need to be taken into consideration especially when customers are struggling financially, and mentally. Macys has a duty to provide some relief to consumers whom are facing financial hardship, however Macys have disregarded The Cares Act in this case. This situation could have been resolved over the phone, numerous attempts were made to communicate my financial circumstances. This experience has caused me financial strain and psychological stress.
On XXXX XX/XX/XXXX, I was involved in a car wreck I was XXXX XXXX XXXX XXXXl. As a result this accident has left me in agonising pain and to make matters worse my car is totalled. I still have to attended hospital and doctors visits several times a week. Due to Macys late ' payment reported on my credit report, I was informed that I may not be granted a auto loan. Not being able to be XXXX has XXXX XXXX, I can not apply for a new job, as i'm unable to get there and am in alot of pain most of the time. Even doing small errands means i now have to rely on friends and family. As a result, Macys have made my situation worse, this late payment was added unlawfully and has caused me significant financial damage..
Macys have failed to comply with federal protection of consumer rights.
15 U.S.C 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. 166 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
15 U.S.C 1681 section 602 states I have a right to privacy.
15 U.S.C. 1691 ( e ) ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class.
15 U.S.C. 1681 ( n ) ( a ) Any actual damages sustained by the consumer as a result of the failure or damages of not less that {$100.00} and not more than {$1000.00} per violation.
I have been very reasonable, fair, communicative and transparent and in light of this situation, I hope that Macys will demonstrate the same attributes and once again restore my faith in their company.
|
| 04/25/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
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Web |
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I opened a XXXX XXXX Credit Card in the Fall of XXXX. In XXXX I had the new tires installed on my XXXX vehicle. I also purchased the Alignment and Balancing program.
This would allow me to visit the store and not pay for any additional alignments or balancing for a certain period of time, so there would be no reason to use the credit card unless I needed a muffler, brakes, oil change or another tire. My XXXX vehicle had XXXX miles on it and was under the XXXX Extended Warranty.
Being a woman I've always purchased the extended warranties with my vehicles.
It just allows me to breath easier paying a {$50.00} copay vs {$1500.00} unexpected charge.
In XXXX I set up automatic payments for the above mentioned purchase. The final payment was made in XXXX of XXXX. The reason for taking the credit card was to receive the 6 months finance free program and an additional monetary discounts.
In XXXX of XXXX I traded the XXXX in for a late model XXXX. The only thing I could see needing in about 1 1/2 years would be tires, because the XXXX too is covered by the manufacturers extended warranty. I began shopping for tires in XX/XX/XXXX. Every time I visited the XXXX XXXX website I couldn't find a deal or tire in my price range. Finally in XXXX I called and spoke to a female at XXXX XXXX XXXX to make her aware that the XXXX site stated that a tire they carried was designed for my vehicle and that the website wasn't programmed to allow it to come up for purchase. Although the tire is stocked by XXXX XXXX. I was in dire need of getting tires. I contacted XXXX at XXXX XXXX at the headquarters on XX/XX/XXXX and he arranged to have the tires at the Tire Kingdom, XXXX XXXX XXXX, XXXX XXXX, Fl XXXX for Monday, XX/XX/XXXX.
The deal I was to get was a total of {$700.00} for 4 tires, installation, removal of old tires, and tax. The rebates I was offered was for {$50.00} off a purchase over {$200.00} and 6 months free financing for using my XXXX XXXX Charge Card. I would have never made this purchase without the use of my credit card and the 2 offers.
I brought the car in the tires were installed. I went up to the desk to conclude the sale and put my card in twice and it came up declined. We contacted Citibank and got the girl in the XXXX. She really didn't know much, but she stated the card was closed.
I asked when? She said XXXX of XXXX. I asked why? For in activity. I asked why wasn't I notified? She said they mailed me. I never received a piece of mail from anyone regarding this. If it was so important, why didn't they just send me a post card?
I would have come in and put washer blades on to prevent this from happening.
We asked for her to escalate this to a USA Citibank Manager. The man we got just reiterated the same information. We asked for the CEO, but got a woman named XXXX in XXXX, ID. I asked for her manager, but in the two days trying to contact her XXXX will not escalated anything past her, although she can not do anything for you.
The saddest thing is that XXXX XXXX Executives have no idea that their customers are being treated this poorly by the Citibank. I AM ONE WHO BELIEVES IN NOT REWARDING BAD BEHAVIOR! They kept telling me to fill out the paperwork and reapply again. I told them I wanted this account to be reopened. I had a XXXX balance, and had did nothing wrong to be treated in this manner. At this time I can not reapply for credit, because I need to apply for a HUE mortgage. I spoke to XXXX at XXXX XXXX Customer Resolution Center. They tried to get in touch with a XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and CEO XXXX XXXX XXXX, but they all seem to be out traveling. XXXX XXXX XXXX the XXXX XXXX Store Manager reached out to his divisional and VP.
I needed to leave to get to XXXX XXXX XXXX XXXX recognion dinner and didn't want to make my boyfriend who is a XXXX late. I gave XXXX my keys and asked him to lock the vehicle in the bay. We also retrieved all the old tires, so if needed they could be put back on the vehicle.
On Tuesday, XX/XX/XXXX I reached out to the executive offices Citibank. This is another inept group of personnel. I was contacted to an XXXX, who I gave my name, credit card number, and last 4 digits of my SS #. We were disconnected. She didn't bother to call me back, although she looked up my info and had XXXX for XXXX, ID call me back, the very person I was calling to file a complaint against. XXXX opened my file, why didn't she give me the courtesy of the callback? Thirty minutes later I got through to a XXXX. This gal just kept reiterating the same thing. The CEO and VP 's of Citibank have no clue how poor this line of personnel in executive care is trained. No empathy! They don't have a clue how I have been inconvenienced and their customer XXXX XXXX being represented. Especially the potential loss of the XXXX XXXX 's good customer.
When I returned home later that evening I checked for any correspondence from Citibank on my computer. I found the letter in the SPAM file. I tried to open it, but because the account is closed I have no access to any of the documents.
These Citibank Personnel are brain washed. They think all their procedures are set in stone and without the ability of improvement to be rectified for a better outcome. They are not people that can think outside the box!
By Citibank allowing their employees to behave in this manner, they are creating more work and hampering the customers they are set out to serve!
I just paid my {$2000.00} Long Term Care Premium and I don't have the money to pay for the tires, without the use of my XXXX XXXX Credit Card.
Today is Wednesday, XX/XX/XXXX and my vehicle is still at XXXX XXXX.
XXXX the store manager wasn't in today, but tomorrow I have arranged an XXXX to take me to my interview and have a ride to the stadium for the XXXX XXXX.
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| 04/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/XXXX I was informed by a banker that we are working with on refinancing that when he called the XXXX # of CitiMortgage to get our pay off the automated system said we still owed for XX/XX/XXXX. I immediately called CitiMortgage because I had gone on line to make XX/XX/XXXX payment and at the time of arranging payment I choose XX/XX/XXXX as the date for payment. Knowing it was past the grace period but before the 30 days. I always go on line to pay and make sure it processes with the message of thanking me for the payment to be scheduled on and then with the date. I have never printed or wrote down the confirmation number just made sure that message showed payment received or scheduled payment received. When I called CitiMortgage on XX/XX/XXXX I spoke to a XXXX wondering why my payment was not showing. She told me we had made a payment on XX/XX/XXXX. I told her I thought she was wrong and she said no there is a payment made on XX/XX/XXXX. After again telling her that cant be right, she then said oh I am sorry I was wrong. She said she did not see where anything had processed on line. I then asked her if we would have received a call reminding us of a missed payment and she said yes. That they do make a call to everyone that has not made a payment by the do date. She said the calls are random as far as when the person gets the call, but everyone will receive a call. I told her we never did receive a call. She checked and verified that I was correct, no attempt was made to us reminding us a payment was due. I told her this has been a complaint of mine in the past and that I had made a call in the past verifying our phone numbers because we never get a payment reminder call. I told XXXX I wanted to make a payment. She said let me transfer you to file a complaint. I asked her if I can make a payment with that individual, she said no. I reminder her again I need to make a payment. She said she would stay on the line and after the complaint has been filed I can then make the payment with her. She transferred me to XXXX. A complaint was filed and XXXX also had XXXX check to see if any attempt was made to contact us to remind us of no payment received. XXXX checked again and told XXXX no attempt had been made to contact us. The complaint filed was for no attempt made by CitiMortgage to contact us and that my payment online did not go through. I told them I did not want this reported to the credit bureaus as a late payment. I reminded XXXX again I wanted to make a payment. XXXX then said I will hang up and XXXX you can take the payment. When XXXX hung up it disconnected all of us. I called right back to make the payment and received a message they were closed.
I then called at XXXX XXXX CST on XX/XX/XXXX to make the XX/XX/XXXXpayment. I spoke to XXXX, ID # XXXX and made the payment for a confirmation number.
Around XXXX on XX/XX/XXXX I called CitiMortgage to speak to a supervisor in collections because I want to know why we are not receiving at least one reminder call. I am tired of the I am sorry and yes you should have, but nothing changes. I first spoke to a XXXX in customer service who told me I had received a call. I asked her when she said XX/XX/XXXX. I told her that is today and does me no good when it is past 30 days late. She said a XXXX called me to remind me our XXXX payment had not been made. I told XXXX that makes no sense why she would call when I spoke with her at XXXX this morning to make a payment. She then told me not everyone will get a call if they have missed a payment. I told her I wanted to talk to a supervisor in collections. She transferred me and I spoke to a XXXX ( not sure if I have the name right ) but the ID # is XXXX. I am not even sure if the person was a supervisor but it was the collections department. This person told me that everyone that had missed their payment will get a call. I asked him again, everyone and he said yes. He explained that it is random so he cant say when each person that had missed a payment will get a call, but everyone gets the call. He said if the payment is due on the XX/XX/XXXX and a payment has not been received, the next days calls are started. He explained there are 3 reasons for the calls. First, to see if the person might need some assistance ( like if they are struggling to make that payment ) ; second, to remind the customer after 15 days a late fee will be charged and third to let the customer know after 30 days it might be reported to the credit bureaus. I told this gentleman if we would have received a call our it would have prevented us from having a payment made past the 30 days. It would have been a reminder to make a payment or if I had said I made a payment online they would have checked and would have told me no payment has been scheduled. Or I could have set up a payment on the call. We received NO call at all and have never received a such calls. I told him I dont want this reported to the credit bureaus as 30 days past due. He totally agreed with me that it is wrong we never receded any calls about no payment made. He filed a complaint.
CitiMortgage needs to take care of their customers on an equal basis. One reminder would have prevented this account from going past 30 days. Yes it is our responsibility to make the payment by the due date. But it is their responsibility to provide the same service of a no payment reminder call to everyone and they say they do, but they do not. I have called in the past on this and nothing was resolved. You can have them check their calls to us and I can say since st least XX/XX/XXXX, maybe even farther back, we have never received a call reminding us a payment is due. This is unfair to us that we are singled out in getting a payment reminder call.
They need to fix the issue, not later but now.
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| 11/22/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of XXXX ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. CITIBANK N.A. & {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. XXXXBlock. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Older American |
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I have been a Citibank customer and a user of their Citi Cards AAdvantage program in good standing for a number of years. However, this relationship has soured recently becoming the source of an excruciating frustration for reasons totally unknown to me.
The current situation began during the second week of XX/XX/2018 when I moved from XXXX to XXXX. Before departing XXXX I visited my ( to this date ) Citibank branch and placed a change of address.Shortly after moving I received from Citibank in XXXX XXXX, XXXX a " Confirmation of Account Change ( s ) '' dated XX/XX/2018 showing my previous and current addresses. This letter was mailed to my XXXX address.and forwarded to my XXXX address by the Post Office. I received an identical letter that was mailed directly to my current address. Shortly after I received from Citi AAdvantage in XXXX XXXX, XXXX a " Request to confirm account activity '' dated XX/XX/2018. Among other statements the letter indicated " We are concerned about potentially suspicious activity on your Citi/AAdvantage Gold World MasterCard account. : The letter includes other statements such as a phone number to call their office " right away, '' and " Until we hear from you, merchants may ask to verify your identity before they approve a transaction using your card. '' I immediately called the number provided and since then I have made a number of calls to the financial institution at different days and times to numbers they provided to me, each call always causing me to go through the same unending questionnaire and no answers to my questions as to what is the problem, what is causing it to not be resolved, and what if anything can be done to resolve it.
On one occassion I was told to expect a call from their office WITHIN THE NEXT HOUR. At the end of another frustrating telephone call I was told to expect a telephone call from their office IN A FEW SECONDS. I have never received any such all or any call from Citibank and/or Citi Cards In fact to this date I have NOT received from the financial institutions named above any information at all as to what is the problem. In addition to the telephone calls that never arrived, several weeks ago during one of my many calls, I was told to expect a letter to which I was supposed to respond. No such letter has reached my home. I must note that any time i try to review online any of my Citibank accounts I am first advised on the computer : " We apologize for any inconvenience, but to protect your account further charges may be limited until you have contacted our customer service department. '' Recently, on XXXX XXXX I made one more attempt at finding what is going on and how to reolve it. Once again I was put though the same questions I have been asked an incredible number of times, placed on hold, receiving no answers to my questions and finally being told to expect the previously mentioned telephone call I was to receive in a few seconds. After waiting for much more than a few seconds and having received any calls, I placed a call and requested to talk to a supervisor. A Miss XXXX identified herself as a supervisor, once again I was asked the same questions I had answer before and I even attempted to provide Miss XXXX with additional information I thought would help in determining my identity, all to no avail. When I complained to Miss XXXX about the discrepancy between the many instructions to call the customer service department only to be put time and time again through the same interrogatory without receiving any information I was asking for and the misleading information I was given about expecting telephone calls and mysterious letters neither of which have I ever received, Miss XXXX asked for my telephone number which I gave to her only to be told that phone number was not useful to her to obtain whichever ( secret to me ) information she needed. She then asked if I have another telephone number I could giver, to which I agreed by giving her a cell phone number which as the land number I gave her a few minutes earlier was not useful to her. Since then I have been wondering what type of telephone did Miss XXXX expect me to have that would satisfy her needs. I must add that the conversation came to a conclusion after Miss XXXX brought up the issue of a letter I was going to receive from her office sometime between the next five to ten days. I asked Miss XXXX if she could mail me the letter via express mail or overnight as I need to have this situation resolved asap, she indicated to me that she was not authorized to mail anything other than via the regular mail. To this moment I have received any mail regarding the pending issue ( s ).
I want to apologized for the length of this complaint but I did not know how to describe this incredible frustrating situation. I am a XXXX years old man hoping to enjoy whatever time I have left on this good earth rather than spending it making telephone calls, writing complaint letters or dealing with insensitive people apparently unqualified to deal with the attention and care a good customer in any business deserves.
My concerns : I have had an excellent credit rating for some time which I am afraid it might be declining due to this frustrating situation.
I am concerned over the fact that throughout this situation I have been unable to obtain any information regarding what is the problem, the reason for it to occur, and/or how to solve it. And finally I was recently publicly embarrassed on two occasions, once when I was attempting to make a purchase at a local well-known store and again when I invited friends out to dinner only to be told that the credit card I was trying to use was not acceptable.
Your help in getting an explanation of the problem and a solution to it will be greatly appreciated/
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| 10/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
Servicemember |
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In XXXX XXXX I took my son shopping at XXXX XXXX before he returned to college. I used my XXXX XXXX XXXX XXXX card issued by XXXX XXXX XXXXXXXX XXXX to pay for the purchase. I am signed up for e-billing for my XXXX XXXX bills through XXXX. I lead a busy life and rely on receiving a bill to alert me that I have a payment to make - especially when I purchase something from a place I do n't shop at often, such as XXXX XXXX I only receive e-bills from XXXX for XXXX XXXX and when there is an account balance other than {$0.00}. The last e-bill I received in XXXX was XXXX XXXX, XXXX.
My husband and I use caller ID and generally only answer the phone if we recognize the caller. We started this practice because we frequently get telemarketing calls and reason that the caller will leave a message if they really want/need to reach us. In XXXX XXXX, my husband was expecting a business call and picked up the phone even though he did n't recognize the number/caller. Upon finding out that I was n't at home, the person on the line informed my husband that there was a problem with my XXXX XXXX bill, that it was past due, and left a number for me to call back.
I was puzzled because I had forgotten about the shopping done in XXXX and could n't remember the last time I had shopped at XXXX XXXX. I tried the number the next day several times and it would just ring and disconnect.
In the meantime, I searched through me email, including my junk folder and deleted items folder to see if I had missed an e-bill from XXXX or had accidentally deleted it. I found no e-bill. I tried the phone number again a day or so later and after a few attempts, I got through. The person on the other line did identify herself as being from XXXX XXXX bill collecting, but had a very strong accent and was difficult to understand. I was strongly suspicious that it was a scam. I got the customer service phone number from my card or online - I ca n't remember which, but in either case, the phone number did n't match the one that had been given to my husband. I also had difficulty getting through with that number but I eventually did.
The person on the line informed me that I did in fact have a past due balance of several hundred ( close to {$500.00} ). I was flabbergasted and told the person that I rarely shop at XXXX XXXX and would remember if I had spent almost {$500.00} and that this was the first I was hearing about it. The woman said that they had been trying to reach me by phone and had sent emails as well. I told her that I receive almost daily emails from XXXX XXXX with ads, but had not received a bill and that we had not had any phone messages from XXXX XXXX or a billing agency. She replied that they do n't leave messages stating that they are n't allowed to. I still did n't remember spending that much money at XXXX XXXX. After much going back and forth, the woman finally told me that the purchases had occurred in XXXX XXXX and told me of some of the items purchased as well as the final bill, which was {$290.00}. The items purchased triggered my memory of shopping with my son, so I realized that the original amount was legitimate. When I asked why the balance was now {$470.00}, she said it was from the accumulation of late fees and interest. I told her that I did n't think that was fair because I had never received a bill and always pay my credit cards off each billing cycle - I was happy to pay the original amount in full that same day over the phone, but not the extra fees. She said that " the system '' showed that emails had been sent to me each month since the purchase and she would not accept that I had n't received them and could not remove the fees.
I have since had a similar situation where there was an issue between my work 's email system and all employees who had their email through XXXX - the system at work showed that the emails had been sent but were n't getting to the employees whose email accounts were with XXXX. Perhaps that 's what happened here - I do n't know. What I do know is that the emails never made it to my email.
After a very heated and long discussion with the manager, who I was begrudgingly allowed to speak with and who said the same thing regarding the emails and phone calls, we came to the agreement that if I paid {$340.00} that same day that I would be paid in full and would have a zero balance ; which is what I did.
I had only been receiving bills from XXXX and no statements from XXXX XXXX. I did not begin receiving statements until XXXX XXXX, XXXX. Using that link today, I downloaded the statements available and saw them for the first time. I now realize that I made another purchase in XXXX of XXXX and that the manager did wave all the fees and interest. I also just realized that my credit limit was lowered after that incident from {$2300.00} to {$500.00} ; which is where it has remained.
A few days after the above occurred, I received a notice from XXXX XXXX via regular mail asking me to contact them because I was past due in paying my XXXX XXXX bill in the amount of {$470.00}. This was the only notice I received in writing to inform me that I owed money.
Fast forward to XXXX XXXX. My husband and I wanted to get pre-qualified for a home loan. We were surprised when we found out that my credit score came back in the 3rd from the top tier instead of the top level or the second one down as we had expected. The only blemish in my credit report is the 60 day " delinquency '' reported by XXXX XXXX XXXX XXXX
At the time of the above incident, I obtained the name of the manager and took notes on what transpired. I threw them away ( along with the above mentioned written notice ) after a few months when it appeared that the matter had been resolved. It never occurred to me that it would go on my credit report.
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| 11/18/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Application denied
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Web |
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I would like to submit a complaint about CitiBank and XXXX.
On XX/XX/XXXX I went into XXXX and applied for a XXXX credit card. However recently I had placed a security freeze and fraud alert on my file because of account information and an address that was not mine were found on my report.
When I applied for the card I forgot that I had frozen the bureau so I was given instructions to call CITI. After speaking with Citi they said the report was frozen and that it needed to be lifted. I lifted the report for a few days and called them back stating they could pull the report.
I thought that after that everything was ok. But, I received a decline of application letter after that on XX/XX/XXXX. I tried calling the number on the letter in the need our help section and after going through the prompts it just kept saying that I was declined and then hangs up on you.
In the letter of decline it just states that Unfortunately, we cant approve your application. We have reviewed your application and cant approve it because we couldnt verify the accuracy of some of the information you provided. How can you correct the information if they dont give you the whole reason why it was declined? Or the avenue to call and talk with someone? Second their letter of decline violates the FCRA. Please see denial letter attached.
Section 615 1 ) It does not have listed, the name address and phone of the consumer reporting agency- including the toll free number 2 ) A statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer with the specific reasons why the adverse action was taken 3 ) State that I would be able to receive a copy of a consumer report from the reporting agency 4 ) Or the ability to dispute with the reporting agency the accuracy or completeness of the information.
It does not give what information they were trying to verify. So I tried calling through a ton of different ways just so I could speak with someone about the application and what information they needed to verify. After getting through to someone in the applications department they said that it was because of the fraud alert that I had on my bureau and that it did not have a phone number. She stated that she would keep the application open for 90 days so I could get this corrected. I had known that it was with XXXX because that is who they pulled the credit report through when I called the first time after it wasnt instantly approved.
I then called XXXX and tried to get through to a customer service agent only to go through a million other prompts. At this Point I believe I accidently put an additional Initial Fraud alert ( 90 day alert ) on file through the automated system when I was trying to reach an agent. After several attempts, I finally reached someone I could actually have a conversation with and I asked them to add the phone number to the Extended fraud alert ( 7 year alert ). The agent told me I would need me to send in documentation to have this added. I then asked if I could be authenticated to add the phone number and he said no. The agent stated the he could remove the alert if he authenticated me. I asked him to do that and to make sure he removed the Initial one that I had put on through the automated system. I passed authentication and he said that he would remove the alerts and that it would take up to 72 hours to reflect the changes. Seriously, 72 hours? oh ok.
I waited a few days and called CitiBank back and went through a million different prompts and people till I got the correct department. ( I think ) They kept wanting my credit card information to speak to a rep, when I kept telling them that I dont have a credit card, Im trying to get approved for one that they said they would keep the application open for 90 days so I could remove the alert. After I got through to someone, I explained the situation and that I had the alert removed and that they can now access the report. I stated that I would not like another hard inquiry on my report and the lady stated that they would not need to do that. She also stated that the initial alert ( 90 day alert ) was not removed, ( the one I accidentally put on through the automated system when I called to remove it ) this one at least had the phone number because it asked for it through the automated system to add it. She stated she needs to review the application and would call me back on the number. She verified my cell number with me, said she would call back in a few days, and I said ok. I waited for the confirmation call back from Citibank because the initial alert was still on the file.
Thinking that everything is now ok and that I had everything straightened out. I receive another letter on XX/XX/XXXX ( attached ) stating that Unfortunately, we cant approve your application. We have reviewed your application and cant approve it because we couldnt verify the accuracy of some of the information you provided.
What is the information they need to verify?? I cant correct it if they dont let me know. I am extremely upset now that I have a hard inquiry on my report now and want it removed. I take my credit very seriously and would only apply for a card after very carefully considering if I want that ding to my credit. I have a very good credit score and dont understand the denial.
They have violated FCRA rules and did not do their due diligence to verify the information to grant the credit.
Please help me find out the denial for the credit so I can correct it, what are they trying to verify? I would like for the inquiry to be removed and the denial letters that Citi Bank send out to their consumers corrected to follow FCRA rules.
Please let me know if you need any additional information.
Thank you
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| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states .... According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy .... ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. CITI Account number- XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of ... 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 01/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I filed a chargeback dispute on XX/XX/20 with Citi ( R ) Cards regarding a Visa merchant purchase of {$5400.00} with XXXX XXXX XXXX on XX/XX/20. The dispute case is XXXX. The charge was for a hardwood flooring hold. The salesman talked us into holding a flooring product called XXXX, telling us we should since it's almost sold out. He said it was a " one time only, last lot special buy. '' We still had not had our home measured to know how much to buy and were unprepared to purchase yet, so he persuaded us to hold it without telling me the hold was non-refundable. He told me to just hold the XXXX of it that they had left in inventory as the easiest for them so I agreed to that and signed the contract. the salesman said we would just change the actual amount to buy once we had a chance to measure it. I didn't have my reading glasses on at the time so couldn't read it, I could see the very large signature line and signed it since I trusteded the salesman. He gave us a sample to take home, and right away we knew it was the wrong color. I returned the sample and told the salesman to release the hold within an hour. When I couldn't find a suitable replacement by the third business day, I asked for a refund of my hold, and they refused saying the contract I signed says all deposits are non-refundable. I never received the goods since I released the hold.
An advisor told me the best solution was to file a chargeback dispute with the credit card company. Initially, the original reason was that I did not receive goods/services. The merchant said we could choose an exchange of equal or greater value. My husband noticed on the contract that although the salesman had told us to hold XXXX of it, he actually entered XXXX of it. Since I couldn't find anything, I considered giving our {$5400.00} hold credit to our kids. On XX/XX/20, our son-in-law visited the store to look at flooring, and another salesman told him that the XXXX flooring was so popular that they ordered XXXX of it and another XXXX was in transit. He video recorded the visit and the salesman also let him take a photo on their computer of this other salesman quoting to sell XXXX of it. We have compelling proof with this photographic evidence that the contract was misrepresented. I called Citi Dispute Resolutions and the phone rep said she would change the reason code. I told her we learned that we learned that the contract was invalid, since the product that was misrepresented as a " last lot, one time special buy '' was not. It was something they could and did order more stock of. Had it not been misrepresented to me, we never would have been coerced into holding it. An advisor told me this pressure sales tactic is knows as " fraud in the inducement. '' If false information is given to the consumer which induces them into a contract, it is a valid reason for breach of contract.
Citi letter to me asking for documentation and evidence said, " When providing supporting documentation, please do not send photographs or smart phone pictures, as they are not compatible with our system. '' I was very concerned, since my compelling evidence proving the misrepresentation, which is a valid reason to nullify a contract, was critical. When calling Citi Dispute Resolutions customer service representatives a few times to try and find out how I could be able to present my compelling photographic evidence, one rep told me she thought if I sent hard copies of the photos in the mail rather than the firewall email method, they could be seen. So I sent a very detailed packet of documentation including the photos of the computer monitor at the merchant 's store proving that the contract is null and void due to : 1.The product was advertised to me and also stated in the contract to be a one time only last lot special buy, and we had irrefutable photographic proof it wasn't. 2.The salesman had entered a grossly inflated quantity of flooring of XXXX when the amount was still unknown. I had proof our house is only XXXX and much is tile we aren't replacing, so the XXXX the salesman instructed me to hold, plus the further inflated amount of XXXX are fraudulent amounts. 3. The salesman was listed as XXXX XXXX when it was actually XXXX.
Despite me both emailing and sending in the documentation to Citi, by chargeback was reversed. The reason was that the contract said the hold was non-refundable, and that their system doesn't allow photographs. Did they not see the hardcopies I sent in the mail, or does Citi just not accept photographic evidence at all. Online, I read that Citi accepts photographs as compelling evidence. When I went to check the status of my claim, I noticed that the reason for the chargeback dispute was cancelled goods/services. Although this was also a reason as we never received the flooring since we released the hold within an hour of placing it on the day the charge was made, the primary reason was misrepresentation. The salesman telling us the flooring would likely sell out before we got a contractor over to measure our quantity, that it was a one time only special which induced us to hold it, is a case of fraud in the inducement ( along with the other 2 errors in the contract ) all valid reason to void the contract.
Citi 's policy of not allowing any photographic evidence to be submitted makes it unfair to present my case effectively. This inability to accept photographic evidence has harmed me financially of {$5400.00}. I received no benefit from this merchant transaction. I received no help or benefit from Citi either, since their system of not accepting compelling proof in the form of photographic evidence in unfair and unjust. How can it be a fair investigation if a consumer is disallowed from providing irrefutable compelling evidence?
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| 01/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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In XX/XX/XXXX I contacted Citi Mortgage and explained that I had recently been affected by Hurricane Irma and was unable to pay my mortgage for that month. During the conversation I was offered a 6 month deferment plan. I agreed to the repayment plan in which I would pay the 6 months up front in XX/XX/XXXX.
On XX/XX/XXXX I was laid off from my place of employment where I worked for over 4 years while I was on maternity leave. During this time I was unable to work and was not receiving any income besides the 4 weeks severance package that my employer offered. In XX/XX/XXXX I began receiving approximately {$400.00} every 2 weeks for unemployment which was maxed at {$3000.00}.
XX/XX/XXXX, I received a phone call from XXXX XXXX of XXXX who contacted me and explained that my payments would be due soon and inquired would I be able to pay. I explained to her that I would not be able to pay the lump sum payment because of my unemployment issue. Mrs. XXXX explained to me that during the time of my deferment someone from Citi was supposed to periodically check on me to see if I would be able to make payments which no one did. Mrs. XXXX explained to me that I should have been eligible for an additional unemployment deferment and she would get the process started.
During this time my counselor was XXXX XXXX. I heard from him maybe 4 times throughout the process. I began sending documents to XXXX as requested by XXXX and Citi. I did not hear anything back on the documents submitted nor did I hear any word back from Citi on documents submitted from XX/XX/XXXX.
XX/XX/XXXX I received an email that my counselor had changed to XXXX XXXX. The documents that I had recently submitted to XXXX would now have to be submitted to XXXX. I sent XXXX to the documents and during various phone I explained to XXXX that I would be applying for an unemployment deferment. In XX/XX/XXXX I received a phone call from Citi. I can't recall the name of the agent, however she stated that she was filling in for XXXX XXXX and explained to me that my modification was approved and I would be given a 3 month repayment plan to see if I'm able to afford the repayment plan. I explained to her that I applied for an unemployment deferment and should not be paying the {$960.00} that they were asking for at that time. She stated the file may have been submitted incorrectly by XXXX XXXX and she would speak with her once she was back in the office and get it corrected. During this time I heard nothing back from Citi besides them asking me for more and more documents. I have been submitting the same documents over and over and over since XX/XX/XXXX to Citi and nothing has been resolved. Every time I spoke with Ms. XXXX XXXX she confirmed that documents were received and that she would submit documents to be reviewed by the underwriting team. I received emails and text messaged from Citi confirming that the documents were received and being reviewed. I thought nothing of the emails ans text messages, I waited for updates on the file only to have Citi ask me for the same documents that they previously asked for.
In XX/XX/XXXX I was online checking the clerk of courts website and realized that Citi filed a lawsuit to foreclose on my property on XX/XX/XXXX. I was in complete shock because in my mind I submitted everything that was asked of me. This was confirmed by my counselor, emails from Citi and text messages from Citi that my file was being reviewed as of XX/XX/XXXX for maybe about the 5th time. In addition I never received feedback on the modification that was offered in XX/XX/XXXX which was supposed to be an unemployment deferment.
In XX/XX/XXXX, once again I resubmitted documents to XXXX XXXX, she explained that she would submit my file for review. I called the 2nd week of XX/XX/XXXX to follow up on the status because the City of XXXX XXXX has a Foreclosure prevention program which I am eligible for, however they can not move forward with their process because I'm in the middle of a modification with Citi. During my follow-up call, to my surprise I was told by the agent that my file has never been submitted for review, in fact my file was closed because I declined an initial repayment plan in XX/XX/XXXX. I was became very irate and demanded to speak to XXXX XXXX. During this I spoke to XXXX and we stayed on the phone for approximately 2 hours. I opened my email and re-forwarded every single document that I previously sent to her one by one. She confirmed that she had everything that I needed for her to submit my file again.
On XX/XX/XXXX to my surprise I received an noticed from Citi requesting HOA documents which XXXX confirmed she had. I previously sent this document about 3 other times before. I called, I yelled and requested answers. I spoke a manager and she explained that there's way more documents that has been requested by the underwriting including XXXX form which I've sent to Citi 6 times to be exact via various channels such as fax, emailed directly to counselors, uploaded in my XXXX file and citi homeowners link.
I am currently emotionally overwhelmed and I believe Citi is purposely trying to wear me down so that they can foreclose on my property. I am mentally drained and falling further into XXXX even feeling XXXX at times because of this. Currently Citi is asking for more documents and mentally I'm having a hard time checking in to submit these documents. My counselor at XXXX and others who I have expressed my frustrations with stated that these are known practices of Citi to continuously request documents to prolong the process especially if you have equity in your home. Currently I have about XXXX in equity in my home but with Citi lawyer fees and miscellaneous fees, I'm sure by the end I'll have XXXX.
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| 08/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I initiated a loan modification request or temporary forbearance in XX/XX/XXXX with Citimortgage. Citimortgage is the loan servicer for XXXX XXXX on my 1st mortgage. Citi assigned XXXX XXXX on XX/XX/XXXXas my " single point of contact throughout the duration of my loan modification treatment. '' Citi assigned XXXX XXXX on XX/XX/XXXXXX/XX/XXXXas my " single point of contact throughout the duration of my loan modification treatment. '' Volumes of communications were exchanged ( see attached files ) to comply with the loan servicer 's documentation requests. Citi assigned XXXX XXXX onXX/XX/XXXX as my " single point of contact throughout the duration of my loan modification treatment. '' Volumes of communications were exchanged ( see attached files ) to comply with the loan servicer 's documentation requests. For some unknown or undisclosed reason, the entire file was placed " on hold. '' After multiple inquiries, I was informed by XXXX XXXX in an email dated XX/XX/XXXX with a request for yet additional information. At this point it should be noted that I had provided Citi with every document requested on a timely basis with date stamped compliance, MULTIPLE TIMES. At this same proximate time, I received notification on XX/XX/XXXX that Citi was transferring the servicing of our mortgage to XXXX effectiveXX/XX/XXXX. ( See attached ) On XX/XX/XXXX we received notification that Citi would NOT be transferring our servicing to XXXX. Volumes of communications and loan servicer 's documentation requests were timely satisfied and on XX/XX/XXXX I was notified in a letter from my single point of contact, XXXX XXXX, that Your Application for Mortgage Assistance is Complete. ( See document attached ) On XX/XX/XXXX, four days after providing a complete loan modification packet ( for about the 5th time ) Citi filed Foreclosure. ( See attached XXXX County Court Docket ) This action violated my federal protections under CFR 1024.41 ( f ) ( 2 ) which would preclude Citi from filing for foreclosure when they had received a completed mortgage assistance application. On XX/XX/XXXX, the entire process was started all over again, AS IF none of the previous 10 months document requests and compliance on my part, had ever happened.
OnXX/XX/XXXX, Citi assigned XXXX XXXX as my " single point of contact throughout the duration of my loan modification treatment. Volumes of communications and loan servicer documentation requests continued. ( See attached flles ) Simultaneously to answering and re-answering the same informational requests from Citi underwriting and XXXX XXXX, the foreclosure legal team was in full operation filing motions in court, filing affidavits, creating Preliminary Judicial Reports, opposing my Motion for Mediation, etc. ( See communications from attorney 's attached. ) The loan servicer was " dual tracking '' the loan modification and legal processes which is clearly evident from the attached XXXX County Court docket. Even if Citi was not precluded from filing foreclosure in the first place, ( which they were precluded ) they were guilty of the " dual tracking '' infraction. Once again the CFR protections designed to prevent this from happening were violated at huge personal cost to me. After many more informational and document demands made by Citi were met by me on a timely and fully compliant basis, I was informed onXX/XX/XXXX that XXXX XXXX was assigned to be my " single point of contact throughout the duration of my loan modification treatment. '' The loan servicer continued to make document demands, the legal process continued in " dual tracking '' fashion ( see attached court docket ) and I was in the process of answering a specific loan servicer document request datedXX/XX/XXXX ( see attached ) when we were informed in a letter dated XX/XX/XXXX that we had been refused a loan modification and had been conditionally approved for a short sale. ( which we explicitly were not interested in ) In addition while we were being detained chasing down the same documents again for what had to literally be the 7th time, the servicer without cause makes a determination and either kept it to themselves or instructed their attorney, XXXX XXXX, to conceal it. We literally received the loan servicer determination on the day ( 14 days hence from determination ) that our Appeal would be due. On XX/XX/XXXX, the loan servicer 's attorney filed a Motion for Summary Judgement utlizing an Affidavit and Final Judiciary Report constructed on XX/XX/XXXX. After getting caught in their fraud, the attorney withdrew their summary judgment motion in order for the loan servicer to conduct an " appeal. '' It should be further noted that no such appeal took place. 14 days later, the original determination was " rubber stamped '' and the attorney refiled the Motion for Summary Judgment. OnXX/XX/XXXX Citi assigned XXXX XXXX as my " single point of contact throughout my loan modification treatment. It is clear from Citi 's conduct that they never intended to provide a loan modification, that they were at all times " dual tracking '' this process to lead me to Foreclosure and that various Civil Federal Rule 's have been violated for them to achieve their illicit ends. The reason given for refusing the loan modification was that we were refused " because we had been modified before. '' What reasonable mind would accept that after 22 months and countless volumes of document demands that the " reason '' for the loan modification being denied was something that a 4th grader could have determined all those many months ago? In addition to the specific violations of CFR 1024.41 ( f ) ( 2 ), it should be fairly clear to the reasonable minds at the CFPB that Citimortgage is " thumbing it 's nose '' at CFPB Consent Order 2017-CFPB-0005.
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| 11/19/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CITIBANK N A & {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
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| 06/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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On or around XX/XX/2019 I completed a credit application over the phone with Citibank and was told the account was approved. Citibank issued a letter dated XX/XX/2019 confirming opening of the account and detailing the credit limit. Approximately one week later Citibank issued the card and I used it for two transactions.
Sometime around the end of XXXX or early XXXX I tried to use the credit account for a third purchase and the card was declined.
After this I received the only other further written communication I would receive from Citibank, a letter dated XX/XX/2019 stating they would close the account on XX/XX/2019 ; an account which according to Citibank 's own documents was not even applied for and approved until the following day.
The letter indicated they were closing the account because I provided a confidential address, instead of a physical address. My family has been granted a confidential address by the State of Washington because we are victims of violent crime. An Address Confidentiality Program is administered in each state and operated in Washington by the Secretary of State.
When Citibank closed my account after accepting and approving my application for credit, they illegally discriminated against me based on my participation as a victim in the Address Confidentiality Program. Because my participation in the ACP is a result of domestic violence committed against me and my wife and we are both protected parties in a Domestic Violence Restraining Order, federal Violence Against Women Act laws prohibit discrimination against victims of domestic violence including using a victim 's status as a reason to deny credit.
In addition to this discrimination, Citibank never sent me an account statement. When they cancelled the account I no longer had access to any information about the account. I never received any instructions for where to send my payment, never received a statement or any documentation regarding the amount due, interest or fees charged, and couldn't access the account online because the account had been closed.
On XX/XX/2019 my wife received a phone call from Citibank on her cell phone indicating the payment was late and asking for payment. My wife was not a co-applicant on this line of credit. Because the call came from an unrecognized number and we had received no other communication from Citibank in months, she refused to provide any financial information. She told the Citibank representative they needed to mail a statement and the representative said they could only mail a statement if I personally called them and requested one. The terms of the account did not include a requirement for me to call and request a copy of my statement each month.
The representative, " XXXX '', claimed they had emailed statements to my wife 's email address she had on file with XXXX. I never gave Citibank permission to email my statements and never opted in to any electronic communication agreement with Citibank. The representative confirmed they had no record of my election to receive statements or other communication by email. The email address they used is my wife 's 'junk ' email that she provides to retailers who frequently email coupons and promotions - it is not an address we use for business communications or finance.
The representative further confirmed there was no record Citibank had ever mailed a copy of my statement.
Citibank continued to call my wife 's cell phone several times a day, even after this interaction ( at which time she had informed the representative the number they were calling was not my phone number ).
On XX/XX/2019 I was present when Citibank called my wife again. I spoke to the representative and explained I had never been mailed a statement. The representative attempted to request payment information over the phone. My wife, overhearing the conversation, informed me while I was on the phone, with the representative able to hear her, that they had reported erroneously to the credit bureau that my payment was late. She said they needed to correct that report and retract the late payment report as they had not complied with the terms of the account and that they should provide an account statement.
My wife and I continued a speakerphone conversation with the rep who insisted there was nothing he could do, and that we would have to gather evidence and documentation of the error and provide it to Citibank for them to handle the dispute. We expressed to the representative that we were familiar with credit report disputes but that it was Citibank 's responsibility to correct the error that they admit was made when they failed to issue a statement of the account or documents indicating the amount due.
When the representative insisted Citibank couldn't correct the report but that we should provide a bunch of documentation and paperwork to Citibank for them to handle the dispute, my wife and I requested to speak to a supervisor. We were transferred to another department where we explained the entire situation over again, and again the new representative insisted Citibank couldn't correct the erroneous report to the credit bureau.
My wife explained to the rep that they could either issue an account statement in accordance with the terms of the credit account, or we would be disputing the report to the credit bureaus & filing a complaint with the Consumer Protection Bureau. Again, the rep refused to take any step to correct the report or communicate the need for the correction to any other person or department with Citibank. When she insisted the rep send an account statement the rep said he couldn't do that unless I requested one. I spoke up and said, " Yes, I want you to send it. '' And finally the rep said he would send one in 7-10 days.
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| 12/21/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CITICARDS CBNA & BAL. {$1900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/11/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CITIBANK NA BEST BUY & {$1200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 10/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. 01 CITIBANK N A bal. {$720.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX MACYS & BAL. {$560.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX MACYS & {$3200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and XXXX XXXX XXXX XXXX, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( XXXX ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of XXXX ( XXXX ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act XXXX XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. CITIBANK & {$1900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act XXXX, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items XXXX Notice to Furnishers XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 09/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the FACTA LAW : SEC.XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . XXXXs-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act XXXX XXXX ( 15 U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1XXXX XXXX bal. {$470.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/06/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CITIBANK, N.A bal. {$5000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 08/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX XXXX XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DSNB MACYS bal. {$310.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 11/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. MACYS/DSNB & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BBY/CBNA bal. $ {$900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CITIBANK & {$1900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX MACYS & {$1100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 09/27/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. BEST BUY/CBNA bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MACYS bal. {$2500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX MACYS & {$280.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX MACYS & {$280.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX XXXXo protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MACYSXXXX & {$280.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. MACY'SXXXX & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/27/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. XXXX XXXX XXXX {$310.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 07/28/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CITIBANK bal. {$3100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/04/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. BBY/CBNA bal. {$1700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 05/21/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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A Citibank associate, XXXX XXXX, aggressively urged me to open a NEW business bank account at his citibank institution in XXXX XXXX, ca, in order to take advantage of a promotion whereby i would be credited a {$700.00} bonus, if i deposited {$25000.00} and left it in the new business account for 60 days.As a result, to specifically take advantage of the promo the citibank branch was offering, i opened a new business account for my business XXXX XXXX XXXX, and within the first 30 days, i funded the account with the required {$25000.00}, AND the balance remained over {$25000.00} for the required 60 days. I never received the promised {$700.00} bonus. The business banker, XXXX, agreed that i had done all the requirements of the promotion and did not understand why Citibank had not deposited the {$700.00} into my business account. and encouraged me to KEEP my new business account at Citibank, for an additional 6 mos, while he did a respectful job of filling 3 disputes with Citibank disputes dept, agreeing I met the qualifications of the bonus offered by the branch for the full bonus of {$700.00}. {$200.00} was deposited into the business account, with no explanation as to why the amount was reduced by {$500.00}. I called and wrote the manager for the Citibank branch, and never received a response from the manager, XXXX, except an email to say she ALSO did not know why Citibank had not honored the promotional bonus promise of {$700.00} for my business account, but that " there was nothing she could do ''.
I sent 20 emails, and spent 9 hours on the phone, attempting to get resolution to the promotional practice which occurred in the XXXX XXXX branch of Citibank -- -it appears to be a bait and switch practice, as the branch did not fulfill the promised bonus, even though clearly the new business client, XXXX XXXX XXXX , fulfilled the terms.
I fulfilled Citibanks obligation regarding the offer ; I specifically was encouraged to open a new business account at the Citibank branch in order to take advantage of a cash offer of {$700.00}, and id like a resolution to this matter.
The Citibank customer service reps I have spoken to have advised me to take up the problem with the branch manager. I have repeatedly requested a conference call or meeting with the Citibank branch manager, and she neither returns call or emails.
I have been a faithful non-business Citibank customer for decades, and I now own XXXX XXXX and XXXX XXXX.. Ms XXXX XXXX is the branch manager of the Citibank branch , and XXXX XXXX was the rep who actively ASKED for my business in opening a new business account and per HIS urging, I funded it with XXXX within 30 days of opening, and kept the funds in the account for 60 days, in order to " GET A {$700.00} bonus ''. I clearly completed the requirements of this promotional offer, and even the banker that offered the promotion has agreed, in writing, that i have completed all requirements of the promotion HE offered me, yet said " i dont know why Citibank has not followed through with the {$700.00} bonus on your business account -- -but keep your business account open with Citibank XXXX until there is a resolution! ".
i have in writing, from Mr XXXX the bonus offer, as i asked him to write on a post it not the exact offer and requirements, and i have kept this post in in my file, in mr XXXX XXXX handwriting. I also asked for a COPY of the paper Mr XXXX shared with me regarding the terms of the bonus -- -his " promo sheet '', Mr XXXX would not allow me to copy his " promotional offer sheet '', stating it was for bankers only. It appears the INSTITUTION of Citibank has encouraged their private bankers to offer incentives to customers, to encourage new business, but does NOT follow through, and does not actually provide the business customers the incentive promised ( in my case, the incentive was {$700.00} for depositing $ XXXX for 60 days, which was done, and remained in the account for 63 days ).
It goes without saying the repercussions that were felt in the industry for shady banking practices of this sort-, IE : XXXX XXXX lost millions for opening accounts without customers permissionand a practice of encouraging a customer to open a new account for a bonus -- -then not providing the promised bonus, is clearly a bait and switch tactic, that was employed by this Citibank branch in 2019, and although I have spent considerable time attempting to get a resolution, it appears the corporate Citibank office decision is to encourage the bait and switch promotion tactic, and not provide customers with bonuses, even when all terms of the promotion are fulfilled.
I am asking Citibank reimburse me the {$500.00} bonus which is still due on my business account immediately.
I also received an incorrect 1099 for XXXX XXXX XXXX submitted for 2019 ( forwarded to XXXX XXXX twice, with no resolution ). The 1099 is for {$300.00} interest income ; the account earned no interest and was credited with only {$200.00} in 2019.
I look forward to resolution to both above listed matters this week, or i would like to escalate this to the next level, if you can please let me know how to hold Citibank responsible for their promotional bonus offers. I am a XXXX female XXXX XXXX -- -fully taken advantage of by Citibank promotional practice, by a banker IN THEIR branch, when i went into the XXXX XXXX branch to pay my credit card. It has been more than 6 mos since the {$700.00} bonus was due, and i am still told to " keep your Citibank business account with us, just in case they decide to deposit your promotion bonus ''. Hence, i still have an active business account for XXXX XXXX XXXX at Citibank.
Best, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
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| 07/20/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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All, My Citi Bank accounts and Credit Card were hacked on XX/XX/XXXX.
Ive given my story to several people throughout this process, primarily with : XXXX XXXX, XXXX XXXX, and XXXX XXXX at the Citi XXXX XXXX, XXXX branch XXXX It was with XXXX that we raised issues regarding fraudulent activity on my Citi XXXX XXXX and helped check-in on other active banking investigations ( XXXX, and XXXX ) into about {$5500.00} worth of fraudulent activity in my XXXX and {$900.00} on my XXXX XXXXXXXX Card. Additionally, I had a conversation with a security representative through XXXX XXXX mentioned above ) where we were told I got hit with a malware attack. I was advised to change all pertinent information regarding my identity ( phone number, passwords, account information, emails etc. ) and to also create a police report and run a security report with XXXX. XXXX and I followed the instructions and created a new account. That day, XXXX XXXX, I received a ~ {$1500.00} paycheck from my employer ( XXXX - $ XXXX ) in XXXX and we needed to move it into the newly created oneXXXX that was attacked shortly later, bringing it up to three total attacks ( XXXX, XXXX, XXXX XXXX XXXX ).
Additionally, in working with XXXX, we found out a Citi XXXX investigation had not been started after my first contact on XXXX XX/XX/XXXX. The XXXXwo of us sat on the phone for 3 hours starting to make a new one and we did. I followed up the next week and spoke with a Citi Fraud Prevention Team supervisor, XXXX XXXX, who confirmed I had zero active credit card investigations. Confused, enraged and beside myself, I outlined my entire story again, gave all the dates and tribulations again, and demanded an investigation begin. AGAIN!
The next Citi XXXX # Support hurdle I faced was in the verification process. Ive uploaded my new phone number several times, spoke with Citi Customer Service, Fraud Prevention on both the banking and XXXX side, but everyone keeps sending verification requests to a compromised and inactive phone number ending in XXXX. Its that issue, trying to continue an investigation and using compromised account information, that they rescinded a provisional credit of {$3700.00} because they lost contact with me. My new phone number, in stone to this leadership team, is ( XXXX ) XXXX and has been displayed on my Citi profile for more than two weeks. Why was the investigation team trying to use an old and compromised phone number when it was clearly updated from my side through Citi SupporXXXX on XXXX XXXX?
From there, things really took a turn, however, what needs to be focused on is not the number of times I was attacked and the ~ {$8000.00} that was jeopardized, but how Citi responded and the lack of support I received from calling into your organizations support line from a customer and Branch seat.
As a customer in good standing with this organization I feel things should have been better, teams and departments should be held accountable, and tracking your customers data between all departments needs to desperately improve.
Here is where I believe things went wrong from the Citi side : - The 2nd attack on account ending in XXXX was made under the same, initial, compromised profile/acct ending in XXXX. The hacker was still embedded in XXXX and was able to track my {$1500.00} paycheck on XXXX XXXX and attacked again. XXXX, mentioned above, had helped me earlier that day and brought in the security rep who mentioned it was a XXXX XXXX in the first place.
- The Citi phone line system is not meant to help you. XXXX and I called into the XXXX number together to begin an investigation. She tracked the XXXX of the folks involved, and nothing was resolved, started, or even noted on my account by the time I spoke with XXXX XXXX, Citi Credit Card Fraud Prevention Supervisor.
- Everything I did was over the phone, but finally, XXXX XXXX said I need to physically dispute the charges from my side. I never knew that outright nor was told to do it in the beginning. Thankfully, I made a minimum payment of {$35.00} by XXXX XXXX on my new Citi XXXX XXXX XXXX ( prior to an investigation ) but Im still in a bad spot and must suffer with a looming balance of {$230.00} that is still unresolved.
- Because Citi employees continued to use an old, compromised phone number and didnt see the new changes made on my account, they are rescinding {$3700.00}. Why do I have to suffer and now face a negative account balance for their mistakes? Why does the customer have to suffer? Why cant your team get it right? Because your team members and departments do not have total visibility into my issues and accounts, I am now taking the brute force of this issue. Thats unfair.
- Citi policy : in a situation like this, tracking information is important. What needs to change, and what went wrong, is the Citi policy regarding XXXX and representative emails. Why cant you hand them out when asked? If I had that information this story would be a lot more involved, and there would be a lot more accountability.
The overall objective with this email is to highlight a horrific experience Ive had in dealing with Citi bank during this attack. I lost about XXXX, finally had all my monies returned, I got a chance to withdraw, spend, reimburse family members, and now its being taken away again because Citi operations does not have strict standards of accountability. Thats absolute garbage and something I will continue to share with others in my network.
I will be filing a complaint to CFPB and request all audio recordings from all connections made from my side and Citi XXXX XXXX branch be sent to me in a timely manner. I refuse to request this information through Citi Customer Support # XXXX phone line.
Thank you and XXXX, XXXX
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| 11/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MACYS & {$200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. XXXX DSNB bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/18/2018 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Citibank has willfully violated the agreed-upon terms and conditions associated with 'linked ' checking and savings accounts which I opened on XX/XX/2018. I have in good faith met all requirements of a 'promotional bonus ' associated with these accounts and even took time and effort to confirm as such ; despite this, Citibank has failed to deliver on the {$400.00} 'new customer bonus agreed-upon.
Some specifics : XX/XX/18 : Opened two accounts, one checking, one savings, under the promotional code " XXXX '' with terms as of follows : WHO IS ELIGIBLE FOR THIS OFFER?
Eligible Customers are New-to-Citibank Customers who ( 1 ) enroll in Citibanks {$400.00} Checking and Savings Offer, ( 2 ) open a new Eligible Checking Account, ( 3 ) open a new Eligible Savings Account, ( 4 ) are at least eighteen ( 18 ) years of age, and ( 5 ) have a valid XXXX or XXXX XXXX on file with Citibank and are not subject to back-up withholding.
New-to-Citibank Customers are customers who have not been an owner of a Citibank checking account within the last 180 calendar days.
WHAT IS BEING OFFERED IN THIS CASH BONUS OFFER?
If you are an Eligible Customer, enroll in the {$400.00} or {$500.00} Checking and Savings Offer, and fulfill required activities ( see required activities below ), you can earn a {$400.00} or {$500.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all required activities. At the time the Cash Bonus is credited to your Eligible Checking Account, your new Eligible Checking Account and new Eligible Savings Account must both be open and in good standing.
PLEASE NOTE : Accounts which have a XXXX balance for ninety ( 90 ) days are subject to closure and will not meet the requirements of this offer.
IF I AM ELIGIBLE, HOW DO I ENROLL IN THIS PROMOTION?
Between XX/XX/2018 and XX/XX/2018 ( Offer Period ), Eligible Customers can enroll in the $ XXXX/ {$500.00} Checking and Savings Offer by visiting a Citibank branch or calling Citibank and asking a Citibank Representative to enroll you. Eligible Customers also can enroll by visiting citi.com/checkingrewards to apply for this offer and completing the online process. Enrollment and participation in this promotion does not guarantee eligibility.
WHAT ARE THE REQUIRED ACTIVITIES TO EARN THE CASH BONUS FOR THIS CHECKING OFFER?
To qualify to earn the {$400.00} Cash Bonus, you must enroll in this promotion. See If I am eligible, how do I enroll in this promotion? Eligible Customers must open a new consumer regular checking or interest checking account in The Citibank Account Package as first signer ( Eligible Checking Account ) and open a new Citi Savings Account in the Citibank Account Package as first signer ( Eligible Savings Account ) during the Offer Period and complete the following required activities : Within thirty ( 30 ) days of the opening of the new Eligible Checking Account, any owner of either eligible account must make a deposit of {$15000.00} or more ( multiple deposits allowed ) in New-to-Citibank Funds into the new Eligible Checking Account and/or the new Eligible Savings Account.
A minimum balance of {$15000.00} must be maintained for sixty ( 60 ) consecutive calendar days following the date when the {$15000.00} deposit was made ( Minimum Balance ). The Minimum Balance may be held in one of the eligible accounts or in a combination of the eligible accounts. For example, a {$15000.00} balance in the Eligible Checking Account for sixty ( 60 ) consecutive calendar days will fulfill the Minimum Balance requirement. In addition, balances of {$10000.00} in the Eligible Checking Account and {$5000.00} in the Eligible Savings Account for sixty ( 60 ) consecutive calendar days will also fulfill the Minimum Balance requirement.
If you choose to keep your entire Minimum Balance in one account, however, please note any account which maintains a XXXX balance for ninety ( 90 ) days is subject to closure in Citibanks sole discretion. You will not fulfill offer requirements if one of your eligible accounts is closed at the time the Cash Bonus is paid.
New-to-Citibank Funds are funds deposited from sources outside of Citibank N.A., and must be deposited via ACH, Direct Deposit, and/or via checks or wires. Cash deposits do not qualify as New-to-Citibank Funds.
Fiduciary, estate, business and or trust accounts are not eligible for the $ XXXX/ {$500.00} Checking and Savings Offer even if they otherwise meet the definition of Eligible Checking Account. However, trust accounts that are a living trust and custodial accounts are eligible. All accounts subject to approval.
_______________________________________ XX/XX/2018 : Deposited {$15000.00} as required ( {$13000.00} in savings, {$1500.00} in checking ) XX/XX/2018 : Met 60-day bonus requirement ; Citibank must {$400.00} promotional bonus to be credited within 90 days XX/XX/2018 : {$25.00} service fee was in both checking and savings accounts XX/XX/2018 : Contacted Citibank customer service who stated as follows : 1 ) This service fee was in error on the part of Citibank which caused these two accounts becoming 'delinked ' 2 ) {$25.00} would be credited to both accounts 3 ) the promotional bonus code XXXX was still associated with my account XX/XX/2018 : Contacted customer service who confirmed that XXXX was still associated with my account and that I should expect my bonus to be paid by XX/XX/2018 ( 90 days after meeting all requirements ) per the Terms and Conditions of the offer XX/XX/2018 : No bonus credited to my account, despite being twice assured that the promotional code was still associated with my account and that I should expect the {$400.00} to be paid by XX/XX/2018
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| 02/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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- Confusing or missing disclosures
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Web |
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My name is XXXX XXXX : my account number is XXXX.
The name on my account is XXXX XXXX the last four of my social is XXXX the account in question is being filed on Macy 's XXXX XXXX card.
Since XX/XX/XXXX, of discharge from the hospital I had called in to Macy 's customer service. Informing them of the reason behind the payment delay. In time which I asked the agent to move my bill date to a substantial time in which I can pay the bill. Without creating a over the credit limit, late fee. It was expressed to me that the only thing that they could do is move the build day to the 21st of each month. I found that very unreasonable because I am someone that is on XXXX that has a could barely get around lot of Health issues. And this matter has caused a lot of stress because I didn't want my relationship to be toxic or in bad taste. But seems that the agents are all on the same page. And they don't seem to have the capacity to hear my side of the story when everybody 's story is the same one which leads me to believe that maybe I'm being targeted because I have impairments impairments harassed and or discriminated against. I personally don't know what the problem is and what they stand to gain. My idea of what they stand to gain is to set me up each month to have a over the credit limit balance as well as a late fee balance and this is how they get their interest. I get it's not personal it's business but I refuse to pay a company that will not allow me to stay in alignment with having a good credit relationship. Macy 's has refused to move my bill date to the XXXX of eastmont in which this time I can definitely pay the bill in full and I will not have to go around and about with all these different fees. What agent told me they had some type of grace period and just to pay the bill when I could and when I did that they came with the same thing they transferred me all around. Not actually initially addressing the matter at hand I have some concerns about discrimination I have some concerns about harassment I don't understand what the sense is to try to set my bill day up to where I fell each month. So what I did is I cancel the account I asked to be transferred to a person who could address my dispute issues as well as the discrimination charges that I will want to fall on Macy 's. And they refuse me names they refuse me a bill they change they refuse me to cancel they hung up in my face they were very insubordinate this happened around XXXX XXXX. XX/XX/XXXX I'll talk to a guy named XXXX XXXX XXXX XXXX XXXX XXXX he said he can move my bill day to the XXXX which is not invoice I don't get paid on the XXXX and the first agent transferred me all around and would not get me to a supervisor and or a person who can address these matters. So as upon canceling my account I asked them to give me grievance forms so I can feel them out and I can put it in writing and send it back to them. I refuse to send me those forms in the mail they said they don't have the option and that they can't send me those type of letters in the mail I didn't know what the conspiracy was or why that was I did want a company policy of my rights and I did want to know what I could and could not do and I wanted to read the fine print but they did not give me any of that if they gave me that in the beginning I never received it this is the second card that I have been issued by Macy 's we had a dispute one time before in the past and I paid it off in full which I expect to pay off in full as we speak but in the same interim of everything I want to file a case against them because they discriminated against me they harass me and they treated me poorly I don't know what it is that I did to cause this matter I don't understand why they would not give me the information that was needed and why they would not change my bill date I understand company policy but I don't understand setting someone up to fail each month and not allowing them to have an even chance to make the payments that they need to keep their account in good standing. All the other credit cards that I do have I pay them around the XXXX or the XXXX of each month they had no problem with moving my bill date to those days so I can be able to pay the bill I never missed the payment on any of my bills but they're making it where they're releasing information to the credit card company as if I'm not paying the bill and I'm not making attempts it's not fair to me it's it's what they see on paperwork they're reporting status is the truth that they're trying to sabotage me. the truth is that they will not even consider giving me a new bill dirty first it was the XXXX now they say it's the XXXX it's still not helping me because I don't get my funds until the XXXX of each month I can not pay them before that and they know it and that's not what they're telling in the report it just makes it look like that I'm delinquent and then my credit score goes down and that's not fair to me so I'll close the account today and I plan to pay it off in my in my way because I can not pay it all in full right now as well as I want to follow this suit so if there's any kind of grievance information and forms that I need I will request that you please send them to me my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX I appreciate you thank you so very much for your time and I'm sorry that it had to end like this what would be the substantial time that you will be able to get back to me on this matter because I don't want to be said that I did not send something in you know and then something like oh yeah you didn't see anything in writing I need a mailing address to where I can put the things in writing as well I appreciate that respectfully XXXX XXXX
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| 03/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This complaint has XXXX components ; XXXX ) a complaint against a company which wrongfully charged my credit card ( XXXX ) and ; XXXX ) a complaint a against my credit card company for mishandling the dispute which I filed with them ( Citi Card ). XXXX ) I will first explain the fraudulent charge, XXXX ) next the botched dispute process I am still engaged in, and finally, XXXX ) the steps I am taking to continue to try to resolve this matter.
XXXX ) Regarding the fraudulent charge by XXXX : In XX/XX/XXXX, I hired XXXX to install a new air conditioning unit at a property I own in XXXX XXXX XXXX, FL. XXXX is the company name. The owner is a man by the name of XXXX. That is all the identifying information I have on the owner. He is a small business operator with a company, who runs his business from his home, and was referred to me by a resident in the neighborhood.
I used my Costco Citi Visa to pay for the equipment. On XX/XX/XXXX, I was charged by XXXX {$2800.00} with my knowledge and consent. The service was fulfilled by the vendor. Citi Card paid the vendor for the service, leaving me with a debt to Citi Card.
By XX/XX/XXXX, I had paid that balance off to {$0.00}. Meaning all obligations to Citi Card and XXXX had been fulfilled, and I owed no further money related to the AC installation.
The XX/XX/XXXX and XX/XX/XXXX bank statements have been included as an attachment I have also included a copy of the air conditioner warranty dated XX/XX/XXXX, to help denote the time of this transaction.
My card balance remained at {$0.00} until XX/XX/XXXX. That is when XXXX charged and then immediately returned another {$2200.00}. I was completely unaware of this charge because, ultimately, my balance still ended up at {$0.00} thus I did not examine my statement that month. This charge was made without my knowledge and without my authorization. That XX/XX/XXXX statement has been attached as well.
I was made aware of the XX/XX/XXXX charge when, in XX/XX/XXXX, XXXX charged my card for now a third time in the amount of {$2900.00}, and a Citi Card employee pointed it out to me. This XXXX charge stayed on my account and thus it immediately caught my attention. I immediately filed a dispute. This charge was also made without my knowledge and without my authorization. The XX/XX/XXXX statement has been included as an attachment.
It is clear to me that XXXX, the proprietor of XXXX, retained my card information and used it to extract money from my account for his own personal gain. I did not do business with this person or company after the initial service in XX/XX/XXXX. This business / person was not authorized and had no cause to charge my account any time after XX/XX/XXXX.
XXXX ) Complaint against Citi Card : The above narrative along with copies of my credit card statements and other documents were given to Citi Card verbally and in writing multiple times starting in XX/XX/XXXX when the charges were first discovered. Despite having followed Citi Card 's dispute process, the credit card company continually asked me to submit the same information multiple times ; opened, closed, and reopened my case several times; reclassified my case twice ; and generally gave me the run-around while offering no real assistance for 7 months. Finally, in XXXX of XXXX, Citi Card declared that they could not take any action on case because 'too much time had passed '. This stunned me as I had filed my dispute in same month the fraudulent charge was made and submitted the forms and statements that Citi required. All documentation that I have access to has been included.
I submit that it is their own convoluted processes that caused the major delays and that they were attempting to deny me the consumer protections they should be providing to its customers. There is an additional statement regarding Citi Card 's next declaration I will explain in the next section, as I am trying to narrate this chronologically.
XXXX ) Steps I have taken outside Citi Card 's process and against Citi Card : After receiving no satisfaction with Citi Card, I filed a complaint with the both my local police department and State Attorney 's General office against Citi Card. Those emails have been included. I also attempted to retain legal representation, but no law firm was able to take this case without it actually being in collections.
After this complaint to the AG, Citi Card responded to me in XX/XX/XXXX by saying that, 'since I reported my card lost or stolen, they were referring my case to yet another department within the company '. I responded to Citi Card by refuting their claim that ever reported my card lost or stolen. I never gave them any such indication and this demonstrated another example of how Citi Card is giving me the run-around, attempting to scapegoat me, and eluding their responsibility to protect me as a consumer.
My primary complaint right now is with Citi Card. I believed that when I initially filed my dispute, my case was clear and my credit card company would protect my interests. This did not happen. My next step of recourse is to file this complaint with your office. All documents that I have access to have been included. They are provided in reverse chronological order with the most recent correspondence appearing first.
AFTER TYPING THIS NARRATIVE, I ATTEMPTED TO UPLOAD THE PROMISED DOCUMENTATION. HOWEVER, THE SYSTEM REJECTED MY FILE BECAUSE IT WAS TOO LARGE. THE UPLOAD LIMIT IS XXXX. MY FILE IS XXXX MB ( XXXX Pages, PDF, INCLUDING CORRESPONDENCE TO AND FROM CITI, CREDIT CARD STATEMENTS, POLICE REPORT, CORRESPONDENCE FROM THAT AGs OFFICE, ETC. ). I ATTEMPTED TO ZIP THE FILE, BUT IT STILL EXCEEDED THE LIMIT. I AM HAPPY TO PROVIDE MY SUPPORTING DOCUMENT ANOTHER WAY.
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| 11/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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Recently a credit card number in my name was compromised, resulting in {$7000.00} of unauthorized charges being made against my Costco Visa card number. This card is issued by Citibank. I was fortunate enough to have XXXX XXXX call me to alert me to the fact that my card was being used in a suspicious manner. I, in turn, called Citibank to begin to rectify the situation. Even though weeks had apparently passed since the compromise and many thousands of dollars in fraudulent charges had been made by the time I became aware of the situation, Citibank still had no knowledge of the issue. I went through over an hour of excruciating detail with Citibank to identify legitimate versus illegitimate charges and felt that after more than an hour on the phone with a Citibank fraudulent charge expert that they had a handle as to which charges were authorized and which charges were not.
Citibank cancelled the previous card number and issued me a new card and assured me that they were working to correct the situation. That is where the nightmare began. My billing cycle came due and I was billed for all of my authorized purchases in addition to all of the fraudulent charges. I called to ask that the unauthorized charges be removed from my bill and Citibank refused. I was told to sort through the now lengthy list of charges and pay only those I determined were authorized charges. This was after spending several lengthy phone conversations with Citibank fraud department. So I dutifully took on my new credit card services accounting assignment and sent Citibank the money for all of the charges I had actually made.
The next billing cycle I discovered that one of the fraudulent charges appeared again on my statement. Again another hour on the phone with Citibank and I was assured they have it under control again. It turned out that this fraudulent charge was a recurring bill that Citibanks crack fraud investigative team failed to recognize after two months of investigation. Apparently Citibank allows vendors with recurring charges to obtain the new card number if it changes. Due to Citibanks unwillingness to even check that this fraudulent charge was recurring, my card number was again cancelled and a new number issued. Again, this second statement contained a long list of the previous fraudulent charges in addition to my authorized purchases. So after recalculating all of the charges that I had actually made, I sent off another payment to Citibank excluding all of the bogus charges which Citibank was still trying to get me to pay them for.
On the third billing cycle, I incurred an interest charge on my account. I have paid my credit cards in full each month for over 30 years, so I again called Citibank and asked how this interest charge originated. I was told it was because I did what I was told and only sent in payment for the charges I had made and the interest was for the fraudulent balance that I did not pay. I had to threaten to cancel my card just to get the interest charge removed.
We are starting on the fourth month after the card number was compromised and I have just been billed again for fraudulent charges from four months previous that Citibank still refuses to remove from my statement.
Citibank has also repeatedly registered derogatory statements to credit reporting agencies that I am disputing an inordinate number of purchases.
Here is my assessment after having been on the phone for hours and hours with any number of Citibank so-called fraud investigation team members and having my credit card number re-issued for the third time. Citibank encounters millions and millions of dollars in credit card losses each year ( Citibank lost {$830.00} XXXX dollars in the first quarter primarily due to credit card losses ). I believe that Citibank has created procedures and practices for repeatedly pushing fraudulent charges back onto customer accounts and playing a complex shell game to the extent that millions of Citibank customers inadvertently pay for fraudulent charges ( including interest charges ), thereby reducing Citibank credit card losses with no one the wiser.
I am quite confident if you investigate the practices I have encountered at Citibank on just this one incident, you will discover a hanging thread that unravels into, what I believe to be, a complex, premeditated, intentional deception to bilk millions of dollars from legitimate Citibank customers in order for Citibank to reduce their credit card losses. There is no way in my mind that this process and procedure for handling fraudulent charges could have come about except that it generates a huge amount of confusion regarding what charges are actually authorized and owed for every Citibank customer ( 138 million ) that has ever had their card number compromised.
This is just licensed theft as far as I am concerned and I would hope that our Federal government regulatory agencies would stop looking the other way. I believe Citibank saves a fortune on not having their own functional fraud detection program ( replacing it instead with this complex shell game of deception ) I had to be notified by XXXX XXXX that something was suspicious weeks after simultaneous charges on both coasts were taking place as well as multiple airline trips to and from city destinations that did not involve my own city for either departure or arrival.
I would be happy to supply the excruciating account and statement details if you would be willing to look into this matter to protect 138 million other card users. I am sure that Citibanks telephone record details will more than validate what kind of deception is going on here.
Please let me know if I can provide further useful information to stop this activity.
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| 03/07/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Funds not received from closed account
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Web |
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I opened a trust account with Citi Bank in XXXX XXXX California in XX/XX/XXXX. I advised the account specialist that I would be having a few large wire transfers made to the account due to a sale of real estate that was associated with the trust. The setting up of the account went fairly smoothly and I went on my way.
In the up coming week or so one of my properties sold and I gave the escrow company my new banking account information at Citi Bank so that the funds could be deposited.
Everything went well and the wire transfer made its way to my account. I logged in a few times just to check my balance, and to make sure that all the funds were accounted for.
During the next few weeks I received a call from the account specialist that I had set the account up with, but was unable to answer her call due to being out of the country and not wanting to incur any large cell phone bill. Also when I did listen to her message she just stated that she would like for me to call her. I believed that she was just calling to ask if everyone went ok with the wire transfer and if I had any questions. Never once during her message did she say that it was important that I call her.
Upon arriving home are being gone for some time, I opened my mail and had a letter from Citi Bank stating that they were going to close my account after a recent review! Also stated in the letter Citi Bank stated that due to the " terms and conditions of your Citi Bank Client XXXX, they reserve to close your account at anytime ''. That there decision was based on a review of bank information and records. That my account wound be closed on XX/XX/XXXX and any Citi Bank ATM or debit cards for this account will be canceled 5 days before. Citibank also stated that they would mail me a check for the remaining balance in my account after it closes, and that if I had any question please visit my nearest branch or contact customer service, phone numbers were provided.
Well to my surprise I was shocked to hear this and was worried about the wire transfer of {$160000.00} that Citibank had in their possession that was going to be MAILED to me in a check. I immediately got on the phone to a Citibank Priority Customer Service team member and inquired about my funds. I was told that the funds would be mailed in 7 working days to my mailing address which she double checked.
I waited the 7 days with so much XXXX! Hoping and praying that nothing was going to happen and the check would arrive. Going to my mailbox on the 7 day and finding to check I Immediately got on the phone again with the Citibank Priority Customer Services and inquired about the monies, but this time was told that the check hadn't even been cut yet and my information had been sent over to another department. As you could imagine I was very upset and inquired why? But wasn't given any information that I could follow and find out why. I decided after hanging up with that department I would head on over to the bank the next day.
When I arrived at the bank the following morning I spoke with the account specialist that had helped me open the trust account. She stated that she had called me because the bank needed more information on the trust, and because they weren't able to reach me they decided to close the account! I asked her why hadn't she left in her message that the bank needed more information, or that it was very important that I call her back, as I thought she was just giving me a curtesy call. She couldn't explain why! Just that she did call. At this point I didn't want to go through the idle chatting, just wanted to know where my {$160000.00} was. She got on the phone and called her bank customer support, and explained that I was there and wanted to know what was going on with my funds! She didn't get anymore answers than I did, just that it was sent to another dept and that they couldn't give her any information on when the check would be mailed, or what had happened. She got off the phone and relayed this information to me. Again I was upset and demanded that I be cut a check from the bank that took my money. She stated that, that would not be possible and that she had no more information for me. I stated that Id need to contact a lawyer, and left the bank.
When I got into my car I decided to call customer service again and ask to speak to a supervisor or someone else that could give me the answers that I needed. I finally got a supervisor that said '' if you don't receive your check in thirty days, give us a call back ''. I wasn't just going to take that for an answer and demanded more. She transferred me to the branch service support unit, but told me that if they didn't answer Id need to leave a message because she couldn't give me a direct number. I agreed and had to leave a message stating my phone number, name and reference number from the letter that Citibank had sent me.
I then decided to make a call back to to bank and speak to the branch manager and explain to her what was going on and she if she would be of any help. The manager stated that she had heard a little about what was going on and let me explain the ordeal further. She said she that she would look into further and see what information she could get me and call me back the next day. She took down my name and phone number and said she would get back to me.
I haven't heard from the branch manager nor anyone from the branch service support unit where I left a message. I haven't gotten any information on when I would receive my {$16000.00} or what happened in the first place! Its like the bank got my money and then took it from me by closing my account because they could! I don't know how this could happen, but just want whats mine!
|
| 05/01/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American |
|
I am writing to you to express my concern with the way a fraud case is being handled by Home Depot.
A couple of years ago, Home Depot sent me a store credit card which, as it was unwanted, was shredded, I do not ever recall activating or using it. I did not close the account but given my experience since late XX/XX/XXXX, I doubt if anything would have changed the course of events.
I continued using Home Depot, XXXX Branch as one of my two main go to stores for hardware in the district. I always paid on my XXXX Debit Card or, occasionally, my XXXX Credit Card.
No more was heard of the card account until I received a call from the Home Depot fraud department on XX/XX/XXXX. I was in XXXX and walking around a store with my wife when I received the call, the gentleman got right down to business and asked me about some purchases I had made in a Home Depot in XXXX, Texas that same morning. I informed him that it was not me and when he asked for further details I was happy to inform him that I had flown over XXXX just a few hours earlier on my way home from XXXX, XXXX. We talked a little more where he advised that my card account appeared to be reactivated and in use. He advised me to check my credit scores and open accounts. He concluded by telling me not to worry, it was an obvious fraud, ( please recall that he called me ) the account would be closed and would be investigated.
Upon returning from the store I did as he advised and, as I had been out of State, I also checked my previous three weeks mail. Apart from the debit in question on my Home Depot account, I also had letters from accounts I was supposedly opening. Over the next few days the situation deteriorated as I continued to receive letters confirming card applications, questionnaires to fill in, etc. In addition, the credit score companies were starting to reflect all the queries for credit to the detriment of my excellent credit score. I spent my XXXX to XXXX XXXX break writing letters, cleaning up my credit scores and freezing my credit score accounts.
It did not stop there, in early XXXX I received a call from the Exxon/Mobil credit card asking if I was having problems at a service station. I advised the person that I had been subjected to identity theft and he in turn advised that a person had been pumping gas in XXXX, XXXX and XXXX. I questioned how the person received a card when I lived at the address of record. He advised it was an interim downloadable Application and that the access had been granted before the freezing of my credit score accounts. I had another letter after that from another credit company asking me to unfreeze my accounts, so they could process my credit application, of course that was not me either.
Now, that is the background, lets discuss Home Depot. During the last few months I have seen some strange movements with the so-called closed account. On XX/XX/XXXX, during the first phone call, I believe the amount on the card was under eighty dollars. I did not worry until it shot up to about three hundred and eighty dollars ( not sure on the exact numbers at this time ). I did the rounds, phoned the Home Depot fraud department, spoke to other people on line, the assistant manager at XXXX store, etc. All told me not to worry, the account was shown as closed and was under investigation. The following two months saw bills with a new twist, a XXXX credit! I phoned and asked how a closed account could suddenly have a credit? I told the people on the other side of the phone line to do what they wanted with the credit, it was not my money, close the account and stop sending bills. Imagine my surprise this last weekend when I returned home again ( from XXXX ) to find yet another bill, this time for XXXX XXXX, XXXX XXXX and XXXX dollars, XXXX XXXX ( {$1800.00} )! Obviously, purchases were still being permitted after XX/XX/XXXX. I did the rounds again when finally, one lady told me that the fraud investigation had completed, and the charges were deemed genuine. I was astounded, an investigation was completed where I, a complainant in the case, was never interviewed, sent a questionnaire or even advised of the investigation outcome.
The lady told me that she was placing the case back under fraud investigation. From my perspective this is an inside job at the Home Depot, XXXX Branch. The unused account has been hacked for my personal data. From a Home Depot perspective, I suppose it appears a strange kind of spending spree, whoever it was did not go straight out and buy the store ( but did manage to trip an internal fraud alarm in XXXX ). However, the larger picture shows a person utilizing my personal data mined from the Home Depot system to open multiple credit accounts and shows a much more illegal and sinister intent, that of identity theft. Note that nothing untoward preceded the Home Depot purchases on the unused account, all other attempts have been to open new credit accounts, therefore Home Depot, XXXX Branch, is the breech. I would have expected the company fraud department to take this breech of their card system seriously.
Events have moved on. On Sunday XX/XX/XXXX I received a phone call from Citi Bank asking for a payment on this bill. I advised it was under dispute and they passed me to the Home Depot Fraud Department. A gentleman told me it was Sunday, so I would receive a call the next day, I never.
On XX/XX/XXXX I received another call to collect a payment on the card from Citi Bank. I was in work and a bad location for lines dropping and after a brief conversation where the operator told me the matter was still listed as a valid purchase and not a fraud, the line dropped as she was passing me to the Home Depot Fraud Department yet again.
|
| 02/03/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
On XX/XX/XXXX I received notification from XXXX XXXX that my Best Buy Citbank card was over my credit limit. Ultimately, impacting my credit score. That day, I immediately called Citibank to ask what was going on. The customer service representative had informed me that a XX/XX/XXXX Best Buy promotion had just ended and I was retroactively charged interest. I apologized and told the customer service representative that I had no idea and would like to make a payment to pay off the balance right away. She informed me she would be able to waive the interest for that XX/XX/XXXX promotion as a courtesy for a long-time, on-time paying client - however, XX/XX/XXXX, I had already made a payment for {$500.00} and the amount I needed to pay was {$600.00}. I was unable to put through the {$100.00} that same day so she told me she would annotate the account and I could make the payment tomorrow then call again to have the interest waived ( {$270.00} ).
After I hung up the phone, I was able to do a little more investigation and review my statements because I was not sure how my Best Buy promotions got so out of hand when I was making {$100.00} payments which were over the amounts that I had owed and should have paid the 0 % APR for 12-18 months at least a couple months ahead of time to then be applied to the next promotion so I wouldn't be behind. I called again XX/XX/XXXX to discuss what was going on with the account.
I was informed that back in XX/XX/XXXX, a promotion had ended where {$23.00} had not be paid off. I had incurred retroactive {$430.00} interest on the card. I was informed that when the {$100.00} payments had been going through, they are applied to interest first, thus throwing off the timely manner in which the promotions should've been paid by 5 months.
The next promotion ended on XX/XX/XXXX, where I was retroactively charged {$1000.00} and a XX/XX/XXXX promotion ended where {$160.00} in interest was retroactively charged, totaling {$1200.00} for the month of XX/XX/XXXX.
On XX/XX/XXXX, thinking that my account was in good standing and there were no late payments. I made a purchase at BestBuy of {$200.00}. My balance per my XX/XX/XXXX statement said that it was {$4700.00}, while my credit limit is only {$4800.00}. This charge put me over my credit limit since I had not known about the promotion that recently ended and the retroactive interest that had been charged in XXXX.
My question is, why was my card not declined on XX/XX/XXXX? I would have been able to call when I was declined to figure out what was going on with the account and asked why my card had been maxed. My payments have never been late. When asking management why this occurred, she could only tell me that " some accounts are allowed to go over the limit ''. I don't recall ever enabling over-limit protection for this card. Most credit cards do not allow for over-limit protection because it can ultimately hurt the consumers credit. It should be Citibank/Bestbuy 's responsibility to turn off the card and provide a hard stop or decline when the max has been reached as an indicator that the consumer needs to give the bank a call. Particularly, since interest for the best buy cards are retroactively charged and a consumer may not be aware that a promotion had ended.
My problem is, that had I got the decline on XX/XX/XXXX and called Citibank, they would have waived the XXXX interest if I agreed to pay the XXXX promotions in full ( which I was happy to do and I was informed this by management ). This falls within their 60 day rule for a 1 time per rolling 12 months to waive interest on behalf of the customer. Had Citibank informed me and given me a hard-stop when I tried to make the purchase, I would've been within the allotted period, I could've remedied the situation and the XX/XX/XXXX promotion would've been able to been paid off right away as well since that was coming up shortly there after.
I was only able to have XX/XX/XXXX 's interest waived because unfortunately, I had called too late given I only received a notification from XXXX XXXX that my credit score had drastically dropped with a maxed card. All because this wasn't within the 60 day period. I have been a loyal customer since XXXX. I've never had a late payment and they clearly feel good enough about my timely payments to enable me to make over the limit purchases by {$180.00}.
I had spoke with about 4 managers/supervisors who all told me that because I had already been granted the XX/XX/XXXX interest waive that I would not be able to remedy the XXXX interest retroactively charged so I am now paying about {$1300.00} in interest, along with interest that has been accruing since, on top of the remaining balances that weren't paid timely. I had even asked if they would consider retroactively charging the interest for XX/XX/XXXX and I would pay it if they could waive XXXX instead since that is the largest one. Keep in mind, I have never called to waive any other interest in my entire history of the account. This is my first time I am running into this issue.
I believe Citibank is taking advantage of me and alike customers with retroactively charging interest when promotion periods end and not giving them a proper notifications such as a credit card decline ( an act of protecting consumer credit ) in order to reap the benefits of retroactive interest being paid. I did not receive any communication from Citibank regarding this and I would hope they would make right of the situation by granting an exception given that they have failed due diligence to the consumer by declining payment. This will never happen again on my behalf and I have paid the promotions to date, excluding interest for now.
|
| 12/13/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
We took out a HELOC with Citbank in XX/XX/XXXX for the purpose of investing in rental real estate. All proceeds were used for this purpose and in XX/XX/XXXX during the housing bubble collapse, we lost all rental properties and filed for bankruptcy. The line of credit was based on 125 % of equity, had a maximum value of {$120000.00} and the current balance is {$110000.00} ( rounded ). The HELOC was included in our BK filing but because we wanted to remain in our home, we continued to make the minimum payments until XX/XX/XXXX when my husband left his job in sales and started a new business, because of industry decline at his old job. We did not make the XX/XX/XXXX payment and received a letter from Citibank inXX/XX/XXXX telling us the repayment period would be accelerating in XX/XX/XXXX at a payment double what we had been paying up until that point. We contacted Citibank at that time to let them know we could no longer make payments due to financial hardship, but were seeking to negotiate a settlement with them. From XX/XX/XXXX until now ( see timeline included in the documents submitted below ), we have been complying with everything Citibank has requested of us, but they have failed to follow through with what they have told us to expect, have re-assigned us to four different " single points of contact '', have never told us whether our settlement offer has been accepted or rejected, have required four different appraisal/home inspections, and have pursued foreclosure while telling us our account was under review. The following is a list of key recent key events that overlap and go beyond the timeline included in our Hardship Letter to Citibank attached below : XX/XX/XXXX - Notice of Election and Demand for Foreclosure filed.
XX/XX/XXXX -My husband 's brother was given power of attorney for the second time in order to assist us as he has expertise in financial negotiations. The problem with this is email communication from XXXX now bypasses us and goes only to him, in spite of our request to be copied on all email communications.
XX/XX/XXXX - Submitted third document package to Citibank at request of XXXX XXXX. We received three letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, each stating " Once your application is complete with all required documents, we will stop all foreclosure activity until we determine whether or not your request is approved. '' On XX/XX/XXXX we received an email from XXXX XXXX stating our account was officially with a negotiator and under review. We thought that meant Citi would stop the foreclosure, but they did n't.
XX/XX/XXXX - we received 4 different letters from Citibank : 1. Notice that XXXX XXXX would be our new Homeowner Support Specialist ; 2. Letter informing us our request for a short sale was denied, even though we never requested a short sale ; 3. Letter telling us we may be eligible for a Settlement on our Mortgage ; 4. Letter telling us our request was being escalated and was anticipated to be resolved within 15 days.
XX/XX/XXXX - we submitted an updated Hardship Letter ( with timeline ) and current bank statements to XXXX XXXX at her request.
XX/XX/XXXX - received a letter from XXXX XXXX stating " Because we received your complete application, certain foreclosure protections will apply. '' Our POA made several phone calls and sent emails requesting a detailed explanation of what the foreclosure protections were and never received a response to that question. We sent an email seeking an explanation and received no response.
XX/XX/XXXX - third appraisal/home inspection performed. Throughout the month, more documents were requested through our POA only, we were never contacted directly by anyone at Citibank. Our POA was told to expect a call from a negotiator ( XXXX XXXX ) assigned to our case, but was never contacted by her. He called XXXX and sent emails informing her the negotiator had not contacted him but got no response.
XX/XX/XXXX - we, along with our POA, had a conference call with XXXX XXXX seeking to find out why there had been no response from XXXX to our settlement offer, why the foreclosure had not been stopped, and what the foreclosure protections were that she referred to in her letter dated XX/XX/XXXX. She told us she had no idea what the foreclosure protections were and that more documents ( including a 1st mortgage payoff statement ) were needed in order for the negotiator ( XXXX XXXX, not XXXX XXXX ) to proceed. When we asked for the foreclosure to be stopped, she said they could not do that until 7 days prior to the sale date, but if we got our documents in on time, we had nothing to worry about. She refused to put that in writing, although the call was supposedly recorded by Citibank. We submitted the requested documents that evening. When we requested the payoff statement, our mortgage holder, XXXX XXXX XXXX XXXX, told us they were never notified by Citibank of the foreclosure filing.
XX/XX/XXXX - fourth appraisal/home inspection performed on the basis the one done on XX/XX/XXXX was done " incorrectly, '' but no explanation was given as to what was incorrect about it. Citibank communicated through our POA, not directly with us. We emailed XXXX XXXX to inquire who would be conducting the appraisal and received no response.
We are now one week away from foreclosure, but still do not have a response from Citibank letting us know whether or not our offer has been accepted or rejected. We have complied with every request Citibank has made, in good faith and with hope of entering into a negotiation for settlement, but believe they have not acted in good faith and have deliberately stalled and bounced us around while waiting for the foreclosure to go through.
|
| 09/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Ive been a Sears cardholder for over 14 years with demonstrated years of on time payment, paying more than the required amount due and no missed or late payments ( see recent attached credit report that shows 4 years of on time payments reported by Sears ). I applied for the Consumer Financial Protection COVID-19 in XXXX for my Sears account, which would entitle me to two months of deferred payments. I submitted the request per the Sears online process and received a notification to check my Sears secure message for the approval response. There was a general message and did not provide a response or direction. As a result I resubmitted several times over several days and kept receiving the same message and finally sent a separate message to voice my concerns that there may be a glitch in their system. I finally received a letter in the mail dated XX/XX/XXXX regarding the approval for 2 months.
I went on online to make my XXXX payment and noticed my available credit dropped from {$13000.00} to {$2500.00}. I was appalled to see over an 80 % reduction in my available credit. I immediately called to question the reason for such a drastic drop and was informed it was probably due to my payment history and after I insisted they review my account they could see clearly there was no history of missed payments and also reflected I always paid more than the amount due. They referred me to contact XXXX for further details. I explained my issue wasnt with XXXX as I know the 4 accounts on my report and my score and that my issue was with them as I am also familiar with payment history with Sears and can not understand why a drastic action was taken on my account. I received their letter dated XX/XX/XXXX, stating my credit line was being reduced and the decision based on their review that was processed by a credit scoring system that assigned a numerical value to various items on my account with them and my credit report. It also stated the following factors influenced their decision : Serious Delinquency Time since delinquency is too recent or unknown Amount past due on account Proportion of loan balances to loan amounts is too high None of those stated factors are reflective of my account. ( Please see attachments that shows 4 years of perfect on time payments ). My XXXX credit score has been pretty consistent over the past 3 years. I called Sears again on XX/XX/XXXX in attempt to address this issue as I was feeling harassed and my character was being defamed as the action taken by Sears took my credit utilization 17 % to 95 % and causing my overall credit utilization to be 35 % when the recommendation is under 30 %. I spoke to XXXX, XXXX and XXXX. XXXX stated they do periodic reviews on all their accounts to determine if they should increase/decrease credit lines. I stated there has been nothing negative on my account to substantiate a 80 % decrease and I reiterated that I felt this is only a result of me applying for COVID and that Sears was looking for a problem when there wasnt a problem. In addition, I asked when my last periodic review was prior XX/XX/XXXX and she kept repeating XX/XX/XXXX. I said out of 14 years there must have been several as she stated they do periodic reviews ( My thought is there were no triggers of missed/late payments to substantiate any ) and XXXX could not provide any dates except for XX/XX/XXXX.
As a result to protect my credit, I had an overall outstanding balance of approximately {$2400.00} that I needed to reduce due to the drop of available credit now being {$2500.00} to get the utilization back down to an acceptable amount I made the below payments : XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$500.00} ( which resulted in a XXXX balance ) I had few charges in XXXX for {$170.00} and some toll charges under {$20.00} and made the below payments XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$39.00} ( Again resulting in a XXXX balance ) So again, Im still demonstrating my ability to be responsible despite the unfairness of reducing my available credit and not incurring unnecessary interest charges. HOWEVER, today I received an email that states a have a secure message in my Sears inbox regarding my account that will be Closed effective today citing the exact same reasons as used for the available decrease.
Serious Delinquency Time since delinquency is too recent or unknown Amount past due on account Proportion of loan balances to loan amounts is too high Due to my swift decision to address this action by Sears in reducing my available balance by making those multiple payments and reducing my utilization, my XXXX credit score increased 20 points, which they listed my score on each mailing. Again, no delinquency, no past due and an increase in my FICO score So, now I can no longer allow this unfair treatment to continue as I feel targeted as a response to me applying for COVID as this is when all these changes occurred. I have never abused my charging privileges, never been over 17-20 % utilization, so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account, it will clearly drop my score ( 14 years of demonstrated credit ) .This is UNACCEPTABLE!
So I guess now they have my account flagged for reviews which facilitated this unnecessary action to close my account BUT, there has been nothing but positivity on my account and multiple payments.
|
| 06/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
In XX/XX/XXXX, Citibank closed my ATT Universal Card account without me knowing due to inactivity. I have been a cardholder since XXXX ( 29 years ). When I found out about it, I called and they reopened the account.
In XXXX I charged {$57.00} to the card, to make sure I was using it. I had Bill Pay set up and had it set up to automatically pay any amount less than {$200.00}. This had been the case for years, with no issues.
On Mon, XX/XX/XXXX, I was doing my taxes and tried to login to my account to print my year-end summary ( I do this every year when doing my taxes ). I could not get into my account so I called.
When I called, I found out my account was closed due to delinquency and had been referred to a collections agency on Fri, XX/XX/XXXX. The amount due was now {$190.00} due to late fees and finance charges on the {$57.00}.
I never received any notification from Citibank that my account was delinquent before they referred the account to XXXX - not by email ( I was enrolled in e-services and they had my correct email address ), not by mail ( they had my correct mailing address ), and not by phone ( they had my correct phone number ).
The referral to XXXX and to credit agencies plummeted my credit score from an XXXX to a XXXX.
The customer service agent told me I had to fax or mail my dispute. I faxed it on XX/XX/XXXX.
On this call, the rep was not able to tell me the underlying amount due. But he would arrange for statements to be sent.
I paid the underlying amount due on XX/XX/XXXX.
Since XX/XX/XXXX, I have not been able to get anyone with actual information to call me or speak to me in relation to this issue. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and noone can help. The week of XX/XX/XXXX, the Citibank XXXX XXXX XXXX was closed indefinitely due to the Coronavirus ( a unit that impacts peoples credit in a time period where credit was critical for many, was unable to open four weeks after things were shutdown? ).
On the XX/XX/XXXX and XXXX, I was calling in response to letters I received from Citi, saying more information was needed for my inquiry and I needed to call the number on the letters ... but when I called noone knew what information was needed and one rep even told me there was no record of a letter having been sent in relation to my account. Just that I should call back in 3-5 days or refax my dispute.
On XX/XX/XXXX, I received a response on the original inquiry saying they were denying it because I was enrolled in e-statements. That I was enrolled in e-statements was never in dispute. That was acknowledge on the original XX/XX/XXXX call and in my letters.
On XX/XX/XXXX, I faxed and overnighted ( USPS bc it was a XXXX XXXX XXXX XXXX XXXX XXXX ) another letter of dispute with copies of everything and I also sent by overnight mail ( XXXX XXXX ) a copy to the CEO.
The only response I received from Citi in relation to the XX/XX/XXXX letters was another of the same exact form letter saying that more information was needed and I should call.
So, on XX/XX/XXXX, I called and again when I called they had no idea what information was needed. My only option according to them was to fax in a new letter with more information. The supervisor I spoke to said she couldn't override the decision. I let her know that I wasn't looking for her to override the decision, just to get in touch with the XXXX XXXX team and find out what information was needed. She could not do that.
I'm left in an endless loop that apparently even the CEO or his office can't get me out of where I fax a letter of dispute, get a letter saying to call because more information is needed, call and get told to fax a letter again ... endless loop.
Additionally, in regards to the letters I received from Citi, all of them have taken about a week from the date on the letter to be mailed ( postmark date ) and the XXXX package apparently took 18 days to get to me : XX/XX/XXXX letter, postmarked XX/XX/XXXX, received XX/XX/XXXX XX/XX/XXXX letter, postmarked XX/XX/XXXX, received XX/XX/XXXX XXXX letter, postmarked XXXX, received XXXX XX/XX/XXXX letter, postmarked XXXX, received XXXX XX/XX/XXXX letter ( with results of investigation ), shipped XXXX ( XXXX ), not delivered until XX/XX/XXXX I'm left wondering if Citi really even has anyone working in their Dispute Investigations team? Are they just sending out letters to meet some sort of regulatory timing requirement on these disputes? or have they fully reviewed the information that is in the attached requests?
By this point, Citi should either have fixed the fees and finance charges and corrected everything with the credit bureaus, or they should have provided the information I've requested in the attached with what communications were made before this account was closed for delinquency and referred to XXXX and the credit bureaus - for emails and letters - dates, times, copies of them with the exact wording use, for calls - dates, times, who called, who they spoke with and what was said - exactly.
Please review all of the points I've made above and in the attached copies of letters. Please actually communicate with me, by having someone call me - let 's set up a meeting and resolve this ... or is Citi just looking to lengthen this further while they continue to charge more fees and finance charges on the fees and finance charges they should be waiving, by having the only option be to fax ( which was a real means of communication when I became an account holder on this account 30 years ago ), and end up in an endless loop?
This has now been under investigation for over two months and no progress has been made beyond the original XX/XX/XXXX call.
|
| 02/04/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Consumer Financial Protection Bureau Best Buy credit card illegally requesting me to pay the credit card late fee ( {$29.00} ) and renewal of Tech Support fee that presented to me without any contract and/or without my knowledge.
The credit card is refusing to address the major questions and problems presented in my complaint and misrepresenting the facts.
Brief statement : the Best Buy credit card is asking me to pay the credit card late fee ( {$29.00} ) and annual feee for renewal of Tech Support. However, I never had any contract with Best Buy about renewal of Tech Support, I never request this renewal tech support, I never used this Tech support. Since XXXX of XXXX I am in XXXX, even physically I can not use this tech support that I never requested.
1. The credit card late fee ( {$29.00} ) is illegal, because the bases for that payment is Tech Support renewal fee that is illegal as well.
2.I have NO contract with BestBuy for Tech Support renewal. While the signature on a sales receipt proves to the bank that the payment was authorized by the cardholder, it does not prove that the cardholder was aware of and agreed to all of Best Buy terms.
I never sign any contract with Best Buy about renewing tech support plan, and the best buy is providing the sale receipt as proof. I never was agreed to all Best Buy terms presented in receipt. The best buy stated [ the receipt explains that you purchased an automatically renewing XXXX XXXX Support yearly plan ]. Thus, the best buy using the receipt for XXXX XXXX computer as the proof for renewing Total Tech Support, and there is no any contract. I was never agreed with an automatically renewing Total Tech Support. Sales receipt does not prove that the cardholder was aware of and agreed to all of Best Buy terms. Thus, Best Buy can not ask me for any payments for tech support renewal. This case should be closed at this point!
3.Credit card response and Best Buy Support on XXXX ( XXXX XXXX ) have no knowledge about amount of my not existing debt for Tech Support renewal. There is no contact and no defined amount to pay.
The credit card stated [ citation ] [ on XXXX XXXX you were billed the annual renewal fee of XXXX on XXXX XXXX you were billed the annual renewal fee of {$210.00} ]. How do you get the amount of {$210.00}? There is no contract with amount of {$210.00}. There is no amount of {$210.00} in receipt either, and I never was agreed to pay amount of {$210.00}. I addressed the issue to Best Buy support on XXXX. The representative XXXX XXXX wrote to me on XX/XX/XXXX, I have his message available below [ direct citation ] [ The XXXX was renewed on XX/XX/XXXX in the amount of {$190.00}, and again on XX/XX/XXXX in the amount of {$190.00} ] Thus, amount presented by XXXX XXXX is different- {$190.00}, I never agree with both {$210.00} or {$190.00}. However, both of them ( credit card response and XXXX XXXX ) are wrong. In XXXX XXXX XXXX illegally charged me with {$190.00}, and in XXXX they illegally charged me with {$210.00} without any contract, without my request for this renewal service and without my knowledge. This is the good example how the credit card is misrepresenting the facts.
4. Sales receipt states [ We will send you a reminder email before your annual renewal date and advanced notice of any price change ]. However, I NEVER GET ANY REMINDER EMAIL I informed BestBuy credit card dispute department that I never get any reminder email. There is no any response to that from the credit card, even after complaint to the CFPB. I requested the credit card to provide any proof that they sent this email to me there is no any response from the credit card. Bestbuy representative XXXX said that this message went to spam box. I checked spam as well there is no email reminder in spam box either.
This is huge issue, because the customers have no any protection against the credit card illegal activity. Lets say that credit card would like to get any unreasonable amount for the tech service per year. Thus, it would be sufficient to say that the credit card sent an email-notification, and customer must to pay. Based on Best buy proposal it does not matter if customer get this email or not, agree or disagree with that amount he must to pay anyway. Moreover, there is no any contract for any amount of Tech support renewal. This is the good example how the credit card is not addressing the facts and problems in they response.
4. BestBuy credit card took actions against me after submitting the dispute complaint. The issues were NOT addressed : a ) BestBuy credit card illegally limited my access to dispute department data ; thus, I cant get the official results of my submitted dispute issue was not addressed ; b ) BestBuy credit card illegally blocked my access to credit card online for a substantial period of time important to say that I am in XXXX and online is the best way of communication for me with the credit card ; issue was not addressed c ) BestBuy credit card illegally deleted my emails communication with customer service department ; issue was not addressed d ) BestBuy credit card reduced my credit limit to {$350.00} without any justification. The credit card has knowledge that I am in XXXX, and they sent a notification in USA.
Conclusion : I never sign any contract with Best Buy about renewing tech support plan, and the Best buy providing the sale receipt as proof, and I never was agreed to all Best Buy terms presented in receipt. I never request this renewal tech support, and I never used this Tech support.
My requests are to reimburse me {$100.00} and {$190.00} that I never purchased or used, and no contract.
Thank you very much and best regards,
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| 04/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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Made a {$900.00} Payment on my citi double cash mastercard account for XX/XX/2023. This amount was not even close to half of the outstanding balance. The card is in good standing, I was just making an extra payment, technically it would go toward the next month. The payment shows being accepted on the XXXX. As well it cleared my bank shortly after. As of today that money was shown as accepted ten days ago but still not reflecting on my available balance.
While on vacation I Called to ask what the hold up was? I was told that it was because I had switched banks. It would take an additional few days. This is not a new bank to me or a new bank in general. I just Added an additional bank to the credit card which funds would be pulled from. My original bank is still listed. I will say this is a military bank that is accepted worldwide.
After getting back from vacation the funds are still not available so I yet again placed another call. I was told by representative today XX/XX/XXXX at XXXX there was a security hold on my funds. Even though it cleared the bank and even though they were holding my money. They could not explain to me why they were not releasing it. I was transferred to a supervisor at XXXX XXXX who kept saying that she has to clear this with the bank tekking me its a security hold, but cant say why XXXXThis makes no sense to me because you already have my money and have had For 10 days.. They are now stating the issue is because I made such a large payment. It's not even half of the account balance.. It is still technically even under the monthly statement. I asked her if it was going to be such a problem if she would just refund it to my bank. That in the future id only make small payments since this seemed to be a problem which I still could not understand. That this would severely limit the use of the card as they were not allowing me to pay for what I used. She then says she still has to Contact the bank to release my money or refund it. I have had this card service for years And have never experienced this. At This point I have been on the phone thirty two minutes, twenty of which was whole time they disconnected the line on me. I took screenshots of the time it was disconnected as well as the calls being placed for every call. I gave that supervisor XXXX minutes to call back which they did not. I looked up a number for dispute or filing a complaint with the same company and called a different number. I gave them A run down on what happened and asked for a supervisor. I Was told they understood and could see what I was upset about and they would transfer me to a supervisor. I was on the phone less than two minutes and I was placed On hold again for over twenty minutes. Again they disconnected on me, after 26 minutes this time. I have still not received A callback from the original supervisor nor the second time I was hung up on a different operator on a different phone number.
I have done my best to understand what is going on. This makes no logical sense in any standing that you have my money accepted my money. I have confirmations and receipts it is cleared. My bank a national worldwide accepted military bank that I have had for quite some time as well as I've been a customer for quite some time but you're " security holding '' my money. Furthermore nobody can even truly explain what that means they said that the payment was just larger than I have made in the last six months. I do typically make more than one payment a month this month. I just simply made a larger one.. Again it was not even half of the account balance and it was still under the actual statement balance due. So basically I can use the car to charge. Whatever I like but they don't want me to pay money to keep from interest and if I do they're going to hold my money. I honestly can not wrap my head around what is happening.I simply asked for a refund and said that I would adjust my spending habits and use a different Carrier since they were not allowing me to pay for charges I had made. The interest that I'm gon na recruit on this is ridiculous and I'm not being allowed to circumvent that by making a payment when I've actually. Used the card to pay for things I'm not trying to pay over the amount that is owed. I'm still not even paying the full amount. All they kept stating was we have to clear this with your bank to which I responded you've already got my money. It is already cleared my bank. It is physically in your hands if you are not going to use it, Allowing me to pay down my credit debt then you need to refund it to my bank. In the future I would make smaller payments but I would also seriously consider if i'm going to continue using this card when i'm not allowed to pay it.
Let me also disclose at no point in time did anyone from this card company call me to let me know there was an issue. At no point did anyone reach out for any additional information or anything. Not by phone text or email. I'm the only one that has made effort. I have made several and this is how it is ended thus far. It is XXXX XXXX on the XXXX of XXXX and I have still not received a call back from any one within the company. I've been hung up on by XXXX supervisors now while on hold. Sure it could have been accident, but twice. And not calling me back. Yeah probably not an accident. Especially after I was supposedly put on hold to contact my bank.
I have attached a screenshot of both phone calls placed. As well I cropped a screenshot of the payment made to the credit card company and the funds being withdrawn from the bank. I did crop them down so no personal information would be displayed. But I do have a full screenshot upon request.
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| 09/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The reason for the CFPB resubmission for the complaint against XXXX XXXX is the recent discovery of how credit card companies narrowly define the definition of fraud. Fraud is wrongful or criminal deception intended to result in financial or personal gain. Credit card companies define fraud as using a stolen credit card or its number to make purchases without the knowledge of the credit card-holder. The confusion lies in how the credit card companies narrowly define fraud.
XXXX XXXX is ruled as a fraud by the FTC using the traditional meaning of the term fraud. The FTC filed a lawsuit against XXXX XXXX case XXXX document XXXX filed XX/XX/XXXX in the United States District Court District of Nevada XXXX XXXX XXXX XXXX violated the Federal Credit Billing Act codified 15 U.S.C section 1601 Truth in Lending Act that protects consumers from unfair billing practices. For example, charges for goods or services not delivered.
The complaint is a dispute XXXX XXXX is no longer able to deliver because the company is ruled a fraud by the FTC. Another part of the complaint is XXXX XXXX never delivered on the products and services they agreed to deliver before the FTC shut down. XXXX XXXX can no longer respond to my complaint because they have been shut down by the FTC. XXXX other major credit cards used to make part of the payment to XXXX XXXX for the same service already reversed the charges and refunded the money. The complaint is brought forth to the CFPB because the credit card company is continuously asking me to contact XXXX XXXX when they are unable to do so.
The complaint with XXXX XXXX is below.
XXXX XXXX did not provide the services ordered on XX/XX/XXXX.
XXXX XXXX made themselves unreachable by disconnecting their telephone. The credit card company is unwilling to resolve the dispute and refers me back to XXXX XXXX.
XXXX XXXX did not deliver on their promises based on the following material.
A. The Pink XXXX XXXX receipt initialed and signed by me dated XX/XX/XXXX, labeled ( XXXX Stores Advanced Course Receipt.pdf ) contains the following : 1. Event Dates and Location 2. Product Return Policies and Procedures 3. Declined Credit Cards and XXXXhecks B. The benefits sheet entitled XXXX Stores : XXXX XXXX XXXX XXXX XXXX labeled ( FBA1 DIAMOND CLUB SHEET.pdf ) never provided the following : 1. XXXX XXXX never completed the 1 on 1 Personal Coaching sessions because the FTC shut them down.
a. XXXX XXXX never provided Life-line to my coach, XXXX.
b. XXXX XXXX ordered merchandise from the viewing screen and never provided online training.
c. XXXX XXXX never provided tips or tricks, and techniques that pertain to running the business.
2. XXXX XXXX never provided Done 4 You Wholesale Fulfillment.
XXXX. XXXX XXXX never allowed selecting products from their warehouse.
XXXX. XXXX XXXX never provided deal analysis when ordering products ; they only offered to sell me more of their products.
5. XXXX XXXX never provided a XXXX of suppliers.
6. XXXX XXXX never offered their negotiating power when buying products.
7. XXXX XXXX never provided the opportunity to work with the team to implement new suppliers.
8. XXXX XXXX is not forthcoming in labeling and delivering products to XXXX when you use their warehouse.
9. XXXX XXXX never let me attend the trade shows.
10. XXXX XXXX never provided the service listed in Access to The XXXX.
11. XXXX XXXX never ungated main product categories for me at XXXX.
C. FTC filed a lawsuit against XXXX XXXX labeled, case XXXX document XXXX filed XX/XX/XXXX in the United States XXXX XXXX XXXX XXXX Nevada XXXX The document is labeled, ( FTC1 Case XXXX Document 107 Filed 10-10-18.pdf ).
1. The FTC document on page 3 states, XXXX XXXX never met the definition and conditions of being a XXXX XXXX XXXX.
2. The FTC document on page XXXX states, the FTC ruled a judgment against XXXX XXXX.
3. The FTC document on page XXXX states, XXXX XXXX must notify its members. XXXX XXXX never notified me of the FTC lawsuit.
XXXX XXXX XXXX made statements of promises made to the entire audience during the seminar.
1. An XXXX XXXX speaker made a paraphrased statement before the entire audience at the seminar that I deem as an oral contract.
2. XXXX stores will provide lifetime services beyond the course, and we will stick with you until you get your money back.
XXXX A document entitled, XXXX Is Suing These Con Artists Leading A Get-Rich-Quick Scheme dated XX/XX/XXXX. The document is labeled, XXXX-XXXX XXXX XXXX
XXXX XXXX : XXXX contains a list of examples of actions diamond members and their creditors.
I respectfully ask for a chargeback of the disputed XXXX XXXX charges and a refund of the payments made to the disputed charges.
Listed below is the original charge made to the credit card and a few payments made against the balance and any related documents to the dispute.
Citibank Activity 1. XX/XX/XXXX XXXX XXXX CA {$5200.00} CBS1-Citibank XXXX Statement.pdf Page 3 Total {$5200.00} 2. XX/XX/XXXX Electronic Payment {$78.00} CBS2-Citibank XXXX Statement.pdf Page 3 3. XX/XX/XXXX XXXX Payment {$78.00} CBS3-Citibank XXXX Statement.pdf Page 3 4. XX/XX/XXXX XXXX Payment {$78.00} CBS4-Citibank XXXX Statement.pdf Page 3 5. XX/XX/XXXX Electronic Payment {$78.00} CBS5-Citibank XXXX Statement.pdf Page 3 Total {$310.00} Label Document XXXX. XXXX XXXX XXXX XXXX Receipt.pdf 2. XXXX DIAMOND CLUB SHEET.pdf 3. FTC1 Case XXXX Document 107 Filed XX/XX/XXXX.pdf 4. XXXX XXXX XXXX links.pdf 5. CBS1 CBS1-Citibank XXXX Statement.pdf 6. CBS2 CBS2-Citibank XXXX Statement.pdf 7. CBS3 CBS3-Citibank XXXX Statement.pdf 8. CBS4 CBS4-Citibank XXXX Statement.pdf 9. CBS5 CBS5-Citibank XXXX Statement.pdf
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| 01/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American, Servicemember |
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OnXX/XX/XXXX, I attempted to purchase concert tickets for a concert being held at XXXX XXXX XXXX onXX/XX/XXXX.The tickets went on pre-sell and were advertised to be purchased either through XXXX XXXX " XXXX XXXX '' or through " XXXX ''. I XXXX " XXXX XXXX XXXX XXXX '' and called the number provided ( there were two ) XXXX & XXXX. A gentlemen answered and said " XXXX XXXX '' and when I asked was this XXXX XXXX XXXX XXXX XXXX, he said " YES ''. I went on to explain that I was interested in purchasing the best seats available for the aforementioned concert, and the vendor began the process to sell the tickets. The tickets were selling for {$150.00} apiece, OR ( {$670.00} ) which I had NO problem with! ... I had my sister on the other line and we decided on ( 4 ) tickets, I also agreed to buy insurance ( {$48.00} ) since the concert was not being held for almost ( 3 ) months and anything could happen. At that point he gave me the total ( {$840.00} ) without the insurance, and thats when he mentioned a ( {$51.00} ) service fee per ticket!! Furthermore, ALERTING US THAT THIS WAS NOT XXXX XXXX XXXX XXXX!!, during the conversation she was looking at the seating chart and realized that the seats he was selling us were NOT THE BEST AVAILABLE, and after further questioning he admitted he was a " third party vendor '' ( XXXX XXXX XXXX ) and NOT " XXXX XXXX '' XXXX XXXX!!!! ... ... .at which time I told him I was cancelling the transaction. I had already given him my credit card number. He switched me to a supervisor who then told me to contact the credit card company. I immediately called the number on the back of the card and spoke to a representative explaining that I had JUST HUNG UP with the third party vendor and I wished to cancel the transaction. The representative from BEST BUY ( thru CITI bank ) said OK! She cancelled the card and initiated the process to investigate etc. A " NEW CARD '' with a DIFFERENT ACCOUNT NUMBER was sent to me within the next few days. I also received paperwork from BEST BUY 'S " FRAUD '' department in reference to the transaction. The paperwork asked " who '' in my household was I accusing of 'fraudulently ' using my card and wanted the name, and other info etc. I called the company and explained that " I '' wasn't accusing " ANYONE '' OF USING THE CARD, but I was ACCUSING THE THIRD PARTY VENDOR OF " MISREPRESENTING '' himself as " XXXX XXXX XXXX XXXX '' and that once I realized it, I immediately stopped the transaction. I FILLED OUT THE PAPERWORK providing " BEST BUY '' with all the info they asked for including dates, time, etc. Since that time I have received and made into a file MORE THEN " 10 '' different letters, STATUSES, EXPLANATIONS and I kept notes, comments, names, etc as I went back and forth with BEST BUY, and their various representatives. The company went from the " issue '' is not 'FRAUD BUT " A DEBT DISPUTE '' which was an internal issue as far as I'm concerned. I even contacted corporate and was told that I had to contact CITI Bank even though ALL THE CORRESPONDENCE came with the BEST BUY LOGO!! ... .I didn't care what they called it! The dispute was transferred back and forth from the FRAUD to DISPUTE departments. During the investigation, I contacted the " third party vendor '' ( BEST BUY suggested this ) and was told that a " CHARGE BACK '' of the transaction WAS PLACED on the account on their end on XX/XX/XXXX as a result of my cancelling the transaction!! ... The vendor said THIS verification would be provided to " BEST BUY '' during their investigation! In the mean time, the closed account was credited, the NEW ACCOUNT WAS DEBITED, " CREDITED '' & DEBITED AGAIN! I continued to call each week for updates on the investigation status and was told at one time that a REFUND was being processed for the credit! I HAVE DOCUMENTATION FOR EVERYTHING I'M WRITING!! ... .At some point I was told by a " BEST BUY '' representative that when they contacted the third party vendor it was stated that '' I " gave " authorization '' for the charge ( I DID ON THE OLD CARD PRIOR TO CANCELLING THE TRANSACTION )!! " BEST BUY '' ACCEPTED the cancelled authorization from the third party vendor as a valid EXPLANATION, and placed the charges on the NEW ACCOUNT that the vendor HAD NO ACCESS TO! .FURTHERMORE!! TO DATE ... .I " NEVER '' received tickets from " XXXX XXXX XXXX '' vendor! I went on and purchased ( 10 ) tickets the same night from the REAL XXXX XXXX '' XXXX XXXX through XXXX. I explained this to BEST BUY and told them I had documentation from the third party vendor that the sell was " processed '' but the tickets were NEVER ISSUED but the response was since the concert has NOT TAKEN PLACE YET ... .I can still get the tickets! I don't understand why they would not HONOR my request to cancel that transaction, and WHY they would place the charges on the NEW account! " OF COURSE '' the third party vendor is going to say they had authorization ... .which they did for a few minutes ( on the OLD CARD ) before I realized they had misrepresented themselves as " XXXX XXXX '' IN ORDER TO MAKE A SELL! ..I expect BEST BUY to operate on behalf of " ME '' the consumer who is spending money with them! ..My account " was '' and still IS in good standing, and I " continue '' to make payment on the account for purchases I made and AM responsible for. However, I believe it is unfair to make me pay for a transaction that I cancelled within MINUTES! Why would I go ahead and purchase ( 10 ) tickets for more than {$1000.00} if I thought I already had tickets? I expect better support from a company I am spending my money with. I am not trying to get out of paying anything or get anything for FREE!!
|
| 05/06/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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Hello, My name is XXXX XXXX. I opened a Citibank checking account online with my residential address in the US ( XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX ), my US XXXX phone number ( XXXX XXXX XXXX XXXX ), and my XXXX phone number ( XXXX XXXX XXXX XXXX ).
I am extremely disappointed and upset with the service and unethical practices of Citi and will be pursuing any and all action I can to correct the failures of Citi in handling my account.
I received my first official email saying 'XXXX XXXX welcome to your Citibank account ' Thu XX/XX/XXXX XXXX XXXX I subsequently wired money into the account over the following week and initiated a wire transfer on XX/XX/XXXX to my account with XXXX XXXX XXXX XXXX XXXX XXXX .
During this time I used the online service and verified my identity with my XXXX number multiple times.
After XX/XX/XXXX I tried to log into my account and activate my account and view the status of my wire, but my account was locked and my password was not working. I used the messaging service and got a number to call and tried to resolve the issue on XXXX XXXX XXXX KST, to which I paid international calling fees for 54 minutes and spoke with XXXX ( last name not given after request ) from Fraud Investigations. At XXXX 's request, I went to the closets Citibank in XXXX ( XXXX ), which was an hour drive away ( I had to take time off work and drive all the way there with my family. I then spent the first 20 minutes in the XXXX bank asking for help, to which they said they are separate from the American branch and can not help. After I called the hotline again on speakerphone, got ahold of XXXX again, and for 1.5 hours XXXX continued to not listen to me, the teller at Citibank XXXX ( Ms. XXXX ), or the branch manager ( her name was not recorded or provided ). XXXX continued to request that the XXXX branch provide her with email verification codes and processes and despite calling two translators for assistance to ensure communication and despite and both translators clearly in English telling XXXX that what XXXX was requesting violated XXXX Citibank policy and was not allowed, XXXX continued to talk up all of our time ( by our I mean me, the Citibank in XXXX Teller, and the Citibank in XXXX Branch Manager ). Multiple times they told XXXX that I had my passport in front of me, but that Citibank in XXXX is not connected with Citibank in the US and that their legal representatives in XXXX specifically told the XXXX branch that what XXXX was requesting violated XXXX policy. Regardless, XXXX continued to push her way and refused to escalate the situation.
After 1.5 hours on the phone and with the bank about the call, I continued to push XXXX to bring in a supervisor. She continued to show resistance or care until finally, she called in XXXX, who claimed to be her supervisor. XXXX was extremely abrasive and hung up on me after refusing to listen or assist the situation.
I again tried to call and spoke with XXXX from their fraud department and she was very rude, disrespectful, and refused to help.
I understand the need for fraud protection and it is completely reasonable that my account would create a red flag that warrants attention. My account was newly formed online and I wired in and out a decent sum of money over a short period of time.
However, as of now, I am completely locked out of these funds without a possible path to access them and have had extremely horrible service and attention given to this extreme flaw in the Citibank fraud protection system. The plain facts are : - I opened the Checking account with a US number that can not receive SMS messages, but the only way to verify the account is with an SMS message to that said number.
- At the request of YOUR agent, I went to a CITIBANK branch in XXXX and THAT XXXX BRANCH said that the request of the US Branch violated the policies of the XXXX branch, which shows EXTREME disorganization and unprofessionalism within your organization ( how can a company not know the policies of its international branches and why is it the responsibility of the customer to discover those policies ).
- I spent a day of time, a sick day from work, 3 hours of driving and gas, and a few hours of international call fees to correct an issue which your bank created with archaic policies handled by representatives with horrible service and a complete lack of regard for the experience of the customer ( seriously, telling me to drive an hour to fix the problem only to find that branch can't fix it ).
- I still have no access to my funds and no clear path to access them short of flying to the US from XXXX ( something that requires two weeks of quarantine when I arrive in the US and then two weeks of quarantine when I return to XXXX ).
Multiple times during the call XXXX from the fraud department said she was also filing a complaint, and multiple times I was told the call was being recorded. I implore you to find and listen to the transcript and listen to how unprofessional your representatives XXXX and XXXX were and how ridiculous your policies are.
As announced during the call, I have also started the process of finding legal representation to handle this situation as it seems extremely unethical that Citibank can open an account and accept over XXXX $ in deposits with the information I provided ( a US phone number that doesn't accept SMS ), but then not offer a solution to unlock my account in the event of an overzealous fraud department with horrible professionalism and a horrible understanding of how their international partners operate chooses to block me from accessing my funds.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I am desperately seeking your help in settling this dispute, on my Citi credit card, from XXXX XXXX, with XXXX XXXX, for a full refund of {$2000.00}. Citi is stating that they don't have enough supporting evidence. I have sent them all of the fake invoices, text messages, email communication, and pictures of my blank wall in the laundry room where the cabinets belong, but were not supplied. I have tried since XX/XX/XXXX to dispute this charge, with Citi, but they refuse to assist.
Transaction Details Transaction Date : XX/XX/XXXX Transaction Amount : {$2000.00} Merchant/Description : XXXX XXXX XXXX XXXX Dispute Details Dispute Date : XX/XX/XXXX Dispute Amount : {$2000.00} Dispute ID : XXXX # XXXX On XX/XX/XXXX, at XXXX XXXX CST, I faithfully paid a deposit amount of {$2000.00} online using my Citi XXXX XXXX XXXX XXXX XXXX This payment was made with a contractual agreement that XXXX XXXX, with XXXX XXXX, would fabricate Custom Knotty Alder XXXX XXXX and Linen Tower with recessed panel doors with a promised installation date of Tuesday, XX/XX/XXXX. Since the custom cabinets were never manufactured, delivered, or installed on the promise date, on Thursday, XX/XX/XXXX I asked XXXX XXXX for a full refund of {$2000.00}. He promised that he would provide a full refund, along with an email confirmation of the transaction. Neither XXXX of these actions ever took place, and he remains in possession of the {$2000.00}.
On Thursday, XX/XX/XXXX, at XXXX XXXX CST, I contacted the XXXX County Police Department, at ( XXXX ) XXXX, and opened Police Report # XXXX. Deputy XXXX took all of this information, that I am passing on to you, and said this is definitely a criminal act that they see from contractors all of the time, and that this should be addressed immediately.
Facts : XXXX. ) I, XXXX XXXX XXXX, paid XXXX XXXX, with XXXX XXXX, {$2000.00} for XXXX XXXX XXXX XXXX XXXX. They were never produced, delivered, or installed, and a refund was never issued.
XXXX. ) XXXX XXXX, with XXXX XXXX, did not provide merchandise or a product.
XXXX. ) XXXX XXXX, with XXXX XXXX, will not refund me, XXXX XXXX XXXX, the amount of {$2000.00}.
We were expecting Custom Knotty Alder XXXX XXXX and XXXX XXXX with recessed panel doors which were supposed to be built by XXXX XXXX with XXXX XXXX with a promised install date of Tuesday, XX/XX/XXXX. THEY WERE NEVER BUILT OR INSTALLED. THIS MERCHANT FAILED TO RENDER THE PRODUCT AND/OR SERVICES.
I, XXXX XXXX XXXX, expected to receive the merchandise on XXXX ( date ), but it never arrived so I contacted the merchant on XXXX ( date ) to request a credit to my account. The result of contacting the merchant was ( please check one ) : ___ I received the attached credit slip. ( Include copy with reply. ) _X_ The merchant stated they would credit my account for the merchandise I did not receive.
XXXX, FROM XXXX XXXX, DID NOT RENDER ANY OF THESE PRODUCTS, OR SERVICES, OR A REFUND OF {$2000.00} AS HE PROMISED IN A LEGAL BINDING CONTRACT/DOCUMENT. HE WILL NOT RESPOND OR GIVE US OUR REFUND OF {$2000.00}.
___The merchant stated that they would not credit my account because ____________________________________________________________________.
_X__ I couldn't reach the merchant, despite my attempts to speak with them. ( Explain how you attempted to contact the merchant and why you were unsuccessful ).
XXXX did not supply one item on this invoice, or supply us our FULL REFUND of {$2000.00}. He became very unresponsive once he received the payment of {$2000.00}. Now, he is completely unresponsive. XXXX left voice mail, after voice mail, and sent text message, after text message. HE WILL NOT RESPOND OR GIVE US OUR REFUND OF {$2000.00}.
XXXX. ) XXXX XXXX, with XXXX XXXX, made a promise, and didnt honor the promise, which caused me, XXXX XXXX XXXX, the loss of money. XXXX XXXX of XXXX. ) XXXX. ) XXXX XXXX, with XXXX XXXX, owes money, in the amount of {$2000.00}, to me, XXXX XXXX XXXX, and will not pay.
XXXX. ) XXXX XXXX, with XXXX XXXX, is in possession of the {$2000.00} that belongs to me, XXXX XXXX XXXX.
XXXX XXXX, with XXXX XXXX, uses XXXX XXXX XXXX as his credit card processor. When XXXX promised me a refund, he said that it would take the business XXXX Up XXXX business days to issue a refund, and that it would go back onto my Citi credit card. This never happened either. However, as you can see by the text message below, from XXXX XXXX, he admits to being in possession of my {$2000.00}, and promises a full refund along with an email confirmation. Neither XXXX of these actions ever took place, and he remains in possession of the {$2000.00}.
UPDATE : On Tuesday, XX/XX/XXXX, XXXX XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX located XXXX XXXX ( the Defendant ) at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and was able to serve him papers informing him that I am suing him for {$2000.00} for not providing the custom cabinets that I ordered. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs. Defendant XXXX XXXX XXXX in the Justice Court Precinct XXXX, XXXX XXXX, Texas.
I now have a court date set for Wednesday, XX/XX/XXXX, with Justice of the Peace, XXXX XXXX, Precinct One, Courthouse N.E. XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX.
This court date was postponed until Tuesday, XX/XX/XXXX.
UPDATE : Today, on Wednesday, XX/XX/XXXX, I have filed a formal complaint with the Federal Trade Commission, in regards to this Citi credit card dispute for {$2000.00} that has not yet been settled by Citi. Report XXXX XXXX.
I am desperately seeking your help in settling this dispute, on my Citi credit card, from XXXX XXXX, with XXXX XXXX, for a full refund of {$2000.00}.
|
| 06/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am submitting this complaint as a XXXX on behalf of my clients. My clients obtained in XX/XX/XXXX an FHA-insured 1st mortgage that was being serviced by CitiMortgage in XX/XX/XXXX when they began to have financial trouble because the wife was injured and could not work. They obtained a 2nd mortgage in XX/XX/XXXX to pay some debts but it did n't solve their problems. They fell behind on both loans, which were both being serviced by CitiMortgage. In XX/XX/XXXX, a non-judicial foreclosure was begun and then stopped because they entered into a loan modification on the 1st mortgage & a subordinate Deed of Trust for the arrears. They fell behind again in XX/XX/XXXX & another foreclosure was initiated on the Second Mortgage. They began applying for a loan modification on both loans & were told by Citi that they could apply for modifications on both of them at the same time & through the same process. They continued to submit paperwork as requested but Citi started another non-judicial foreclosure on the 2nd mortgage, with a sale scheduled for XX/XX/XXXX. They knew about the sale date and were in contact with Citi about it, but were repeatedly assured that the foreclosure sale would not go forward because they were applying for a loan modification. A couple of weeks before the scheduled sale, they were advised telephonically by Citi representatives that they had been approved for a modification on both of their loans. They were ecstatic! They were assured that the foreclosure would not happen & they waited for their modification paperwork to be received. Before they received the paperwork, a man came to their door to tell them that the foreclosure had happened & he represented the owner. My clients thought the man had purchased their 2nd mortgage - not their home. But they immediately contacted Citi to ask what happened and were told that there was an error, which would be fixed by Citi - and to hold tight. They waited for several weeks, being continually reassured by Citi to just wait because they were working on it until eventually Citi called them to say that they were out of luck & the purchaser wanted too much money from them. My clients were devastated but figured that they would just have to pay off the 2nd mortgage loan, which they thought had been sold, and pushed Citi to give them the modification on the 1st mortgage that had been promised. They never received that modification in spite of numerous contacts in the ensuing months. My clients continued to struggle financially and to seek to obtain a loan modification on the 1st mortgage, serviced by Citi. In XX/XX/XXXX, they were forced to file a Chapter XXXX bankruptcy & their lawyer, who has been suspended pending disbarment did n't bother to apparently even look at the property records & identified them as owning their home with 2 mortgages owed to Citi. Citi did n't take any position in that case. My clients kept applying for a loan modification from Citi on the 1st mortgage & finally were approved in XX/XX/XXXX. At no time did anyone from Citi ever tell them that they did not own their home any longer & it did n't take the position that they could n't get a modification because they did n't own it. The property buyer occasionally had a realtor stop by but he did n't take any definitive action for years. It appears that he was waiting for the statute of limitations to run on the 1st mortgage to see if he could avoid it entirely, while having my clients drag out the process applying for a loan modification and for them to pay the expenses for upkeeping and repairing the house. My clients continued to think that they had to repay the 2nd mortgage to the buyer, but just fixated on getting the 1st mortgage taken care of first. Once they received the loan modification in XX/XX/XXXX and began making payments ( it was also recorded in the county records ), they waited for the 2nd mortgage owner to contact them again. They were not contacted again until they were served with a quiet title lawsuit by the 2nd mortgage loan purchaser who was seeking to avoid the 1st mortgage entirely & to remove my clients from the property. Citi was named as a defendant in the case & the only position it took was that it 's lien position should be protected. It never advised the Court about the loan modification that had been recorded, the problems with the 2nd mortgage or that it had been stringing my clients along for years & taking their money even though it knew they did not own the property as a direct result of the actions of CitiMortgage. My clients have lost title to the house although they are pursuing their counter & cross-claims. We have appealed the quiet title decision. We have also sued the foreclosing trustee company because it did not have authority to act under Washington law, but for purposes of this complaint, the focus is on CitiMortgage and its handling of my clients & their loans for many years. CitiMortgage never told my clients that they did n't own their home & had lost it based upon its employees ' lies ; it " modified '' a loan that was secured by the property but for which my clients had no personal liability ; and caused my clients to be misled about what had happened to them back in XX/XX/XXXX. These unfair and deceptive actions first began in XX/XX/XXXX when Citi employees told my clients that they could apply for & had been approved for a loan modification on both loans through the same application process. At all stages in its dealings with my clients, CitiMortgage never told them the truth, never provided them with accurate information & took action to collect on a debt for which they did not have any personal liability.
|
| 12/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2022, I was working and had some tech issues with my computer. I contacted XXXX XXXX, the tech service I use with Best Buy. I usually contact them online through the chat function. I tried that twice and they dropped me both times so in frustration, I XXXX the XXXX XXXX number and obtained it and called them.
When I called them, I was frustrated at having been dropped twice. The guy on the line identified himself as XXXX XXXX and said he would bump me up to the front of the line and would have a XXXX contact me in XXXX minutes or so to follow up with my issue. He had me pull up a best buy box that I put a special number in that would bump me up in line ( this feature had been used before with the XXXX XXXX XXXX so I recognized it ). About XXXX minutes later, guy XXXX called me ( the " XXXX '' ).
When the 'manager ' called me he began running programs on my computer. He kept asking me to check my internet connection and was asking for the XXXX XXXX on my XXXX etc so i was frequently walking away from my computer. He kept showing me some 'old files ' that needed to be cleared and it would cost XXXX to clear them ( at this point, he was buying a XXXX gift card from best buy online ). When I asked what he was doing, he explained that he would override the cost at the end to XXXX but that was needed in order to clear out my extra files. I explained I had never been charged any extra before and he replied it was only XXXX. He asked if I consented to the XXXX XXXX. I reluctantly said yes and that's when he charged the card for XXXX. I saw that he didn't override the final charge and got mad at him. He said " oops. Sorry i can't refund that but I can compensate you in your bank directly. You bank with XXXX XXXX XXXXXXXX XXXX? '' i said yes. He then opened up my bank account website ( with my help as I thought I was getting a refund ). Again, he has me walking away from my computer and I saw that he had set up a XXXX account to someone named " XXXX XXXX. '' He was transferring XXXX OUT of my bank account. I came back to the computer and started yelling at him that he was making things worse. At this point, I still hadn't realized it was a scam ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I thought he was really inept and I trusted that I was speaking with the real XXXX XXXX. He cancelled the pending debit from my bank. I was still frustrated that he wasn't asking the right questions to help me resolve my tech issue. I started screaming at him at this point and I think he felt bad b/c he just said " turn off your computer. Just listen to me. Turn off your computer. I will call you back. '' I had work to do so I was irritated that I would lose even more time working. After we hung up, I called best buy and they transferred me to the reaXXXX XXXX XXXX. They confirmed that the order number ( generated for the XXXX gift card ) was invalid. They asked me to send the order confirmation email to XXXX XXXX XXXX XXXX and to bring my computer in immediately to check for viruses. I immediately called my credit card company, XXXX XXXX, to dispute and let them know about this fraudulent charge. They told me I had to wait a few days for the charge to go through and then dispute it. So I did that.
As a result of this fraud, I had to change my bank account that I had for XXXX years. I had to change all my passwords. I had many viruses on my computer that this guy had put on it so I had to have all those cleared. I have received many more phishing emails and both of those guys ( guy number XXXX and guy XXXX " the XXXX '' ) continued to call me for days after ( but I never answered them as I figured out by then it was a scam ). On XX/XX/2022, I made a report to the XXXX police dept. They told me I had to make a report to the Federal Trade Commission so I did on XX/XX/XXXX.
After a few days, after the charge went though, I called and disputed it. They initially gave me credit and went back and forth with the " merchant '' who in this case is the scammer. The scammer sent me a best buy gift card in the mail. He had a tracking number. It's not a valid gift card. I told my credit card company all of this. I have sent them an explanation and sent them documentation of my complaints with XXXX police dept and FTC and the email forwarded to XXXX. They investigated it and sided with the scammer merchant. I called them again and asked why they made that decision. They told me I had to get a charge slipback from the merchant. They are asking me to go back to my scammer and ask him to unscam me. This makes XXXX sense. I told them to call the real best buy give them the order number and ask if that's a valid number. Despite all the info I gave them, they ignored all my documentation and sided with the scammer. After their documentation on XXXX XXXX informing me they were siding with him, I contacted them and spoke with a very nice lady. She said as a consumer I had never made a billing dispute in my 11 years with them and she would address it with them. They had XXXX business days to reopen the investigation. On XXXX XXXX, it was the XXXX business day and they didn't reopen the investigation. I closed my account with them as a result on XXXX XXXX. I realized that they are not believing me and are siding with him even though I have given them a lot of info and proof and given them an easy way to really resolve it ( call best buy ) Furthermore, I called them IMMEDIATELY to resolve it and they told me to WAIT until the charge went through. I want this XXXX charge addressed with my credit card company. It is the XXXX XXXX citicard XXXX XXXX XXXX XXXX phone number XXXX.
|
| 08/31/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
This is a second follow-on complaint XXXX third complaint total ) following up on what was originally CFPB Case # XXXX ( the first follow-on complaint was submitted as CFPB Case # XXXX ). A brief recap of facts and prior complaints : 1. On or about early XXXX XXXX, my XXXX XXXX XXXX XXXX card was overpaid. This was done to extend charging ability in view of large upcoming purchases.
2. Shortly thereafter, my card was frozen by Department XXXX XXXX Bank ( the card issuer, hereinafter " DSNB '' ) and became unusable. Customer service indicated this was due to an " investigation. '' No timetable was given. The investigation was started in XXXX.
3. By XXXX, the card was still frozen and unusable for charging. As such, on or about XXXX XXXX, XXXX, I sent a written request via XXXX Certified Mail with Return Receipt indicating my desire to obtain a credit balance refund in accord with 12 CFR 1026.11 ( a ).
4. Upon expiration of the time limit of seven ( 7 ) business days afforded by 12 CFR 1026.11 ( a ) ( 2 ), on or about XXXX XXXX, XXXX, I filed CFPB Case # XXXX requesting the refund that was overdue by federal law.
5. XXXX replied to CFPB Case # XXXX on XXXX XXXX, XXXX, indicating that " [ XXXX ] XXXX [ XXXX ] processed your request for credit balance refund checks totaling {$150000.00}, '' the full overpayment on the account. I learned later that this was a lie.
6. On XXXX XXXX, XXXX, a line item was added to my online statement for my credit card indicating a credit balance refund of {$80000.00}. My paper statement was issued on XXXX XXXX, XXXX, indicating a credit balance remaining on the account of {$78000.00}.
7. On XXXX XXXX, XXXX, a line item was added to my online statement for my credit card indicating a credit balance refund of {$78000.00}. Interestingly, this entry was backdated to XXXX XXXX, XXXX, despite the fact that the statement which issued on XXXX XXXX, XXXX, did not include this entry.
8. As a preemptive measure, I filed CFPB Case # XXXX to maintain tracking of the refund issuance, as it appeared to me that the statements filed by XXXX in response to the prior-filed CFPB case indicating a refund on XXXX XXXX were false ( as noted above in fact # 5, XXXX 's prior response indicated that a refund had been issued on XXXX XXXX, but the totality of the refund did not even show up on my account until XXXX XXXX ). As previously noted, XXXX was far outside the seven ( 7 ) business day requirement by the time it responded to the first CFPB complaint on XXXX XXXX.
9. On or about XXXX XXXX, XXXX, I received a check for {$78000.00}. As both refund checks were purportedly issued on the same day, it seemed odd to me that I had not received the {$80000.00} check, which, according to the chronology of events, had actually issued first.
10. In XXXX, I contacted customer service by calling the phone number on the back of my credit card. I requested status of the refund check that I had been promised was already sent. I was told by customer service that " additional review '' was required and also that said review had been completed on XXXX XXXX, when the check was mailed. I was also informed that typical mailing procedure is 7-10 business days -- which was to expire on XXXX XXXX. On XXXX XXXX, XXXX, XXXX responded to CFPB Case # XXXX indicating the same message that I was told by customer service ( review completed XXXX XXXX ).
11. On XXXX XXXX, XXXX, having still received no refund check, I called the phone number on the back of my card and was told by customer service that " additional review '' was required and that I would have to wait ANOTHER two weeks before anything would happen.
12. As of today, XXXX XXXX, XXXX, I have not received the check that I have now been promised I would receive at least twice, and my credit card is still frozen from usage.
It is worth specifically noting that this account has been " under review '' since XXXX. As such, it is asinine and insulting for XXXX to assert that any additional review will uncover any information that XXXX has not already had many multitudes of opportunities to review. Additionally, XXXX has lied in its response to me through this forum ( CFPB ) at least twice, indicating once that the refund was processed on XXXX XXXX and then again that it was processed on XXXX XXXX. Both of these statements have proved to be false, as we are now fast-approaching XXXX, and I am still due {$80000.00} from XXXX. Finally, it is worth noting that XXXX has blatantly ignored its obligations under federal law to refund the amounts within seven ( 7 ) business days of receipt. The Certified Mail Return Receipt indicates that XXXX received the written request for credit balance refund on XXXX XXXX, XXXX. XXXX 's consistent assertions that amounts are " under review '' is a blatant violation of the law. The Code of Federal Regulations provides no exception to its requirement of seven ( 7 ) business day refund. As such, the explanations regarding the amounts being " under review '' do not absolve DSNB of its legal obligations. And, again, it is worth reiterating here -- XXXX has already had 4+ months of " review '' on this account!
At this point, it does n't appear that XXXX intends to comply with federal law or to be truthful to the consumer via this forum. XXXX is in serious risk of legal damages, and it has done virtually nothing to mitigate its responsibility by responding to me, the consumer, in a timely manner. It has repeatedly lied to me in official correspondence and in its representations via oral communication. Requests for follow-up have been ignored entirely. My only recourse to obtain status has been to file CFPB complaints.
|
| 12/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
After calling the CFPB with questions, this is my second complaint ( XX/XX/18 ) about the same problem in response to complaint # XXXX ( also XXXX ). My original complaint was met with a response from the company that was patently absurd, completely different from what I was informed on the phone and I would like someone else to review the complaint.
My previous complaint was abruptly " closed with explanation '' on this website as if the company and I had resolved the matter, when in fact the company was so egregious in its own response they chose to NOT have their response open to the public, instead hidden from view.
I challenged the company 's response and heard nothing back whatsoever ; as if they could just forget about the complaint since the CFPB waits for thousands of similar complaints against the same company to act upon trends.
Previous complaint in its entirety : Consumer Financial Protection Bureau, On XX/XX/2018 I received a report from my XXXX credit management account that my credit details had changed ; XXXX noted that my 18 year old credit card account with XXXX ( Account # XXXX ) had suddenly closed without warning. This was a credit card account I had been actively using every month, used less than 1 % of the extended credit ( {$13000.00} ), and faithfully paid off the balance every month. The XX/XX/2018 paper billing statement ( attached to this as a PDF ) from the credit card company XXXX mailed to me ( statement date XX/XX/2018 due on XX/XX/2018 ) said nothing of closing the account or needing to extend the account date. I called the number on the XXXX credit card ( XXXX ) for further information. After verifying my account, I was told my credit account was closed due to returned mail concerning renewing the account. I never received an e-mail or a phone call to verify the return to sender mail and I was still receiving their same monthly paper billing statement in the mail as I did every month ( it wasnt being returned to them and it had the exact same mailing address they had on file ). The expiration date on the card was XX/XX/2018 and I asked if we could simply reinstate the account, but I was told emphatically that it was impossible to do so and the ONLY way to continue doing business with XXXX was to open and reestablish a new credit card account. I escalated my concerns and spoke to a manager, but he replied with the same excuse ; the account was closed ONLY because they received back the letter ( return to sender ) they had sent to extend the account. The manager then said he could send a letter stating the same. My reply was how would he know if that letter would even make it to me in the mail or get returned? He agreed and I explained to him how ludicrous the situation was, what my credit concerns were and the fact that I would report this to the ConsumerFinancial Protection Bureau. I even asked how could an 18 year old credit account be closed due to something as petty as returned mail without some kind of human oversight ; ( I am a XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX ) meaning no business I know or operated would think about closing an active, 18 year old account with NO derogatory actions without reviewing it first especially if there were no way to reverse the action. My concerns with the above are twofold : 1. I have just lost an 18 year old credit account on my credit file. I am XXXX years old and had three long term open credit accounts ( 15+ years each ), maintain a low to mid 800 FICO with all three credit reporting companies, paid off my prior mortgages, no car payment, have no other debts and pay every credit account in full every month. Now I only have two active accounts in my credit file. Lose - Lose Situation With My Credit a. Closing the account will adversely affect my credit ratings, lower my FICO scores which will cost me money and individual negotiating power via higher APR rates and less attractive loan level pricing adjustments/credit offers in the future ( according to all three credit reporting companies ). b. Opening a new account to reestablish business with XXXX credit card company will also adversely affect my credit ratings, lower my FICO scores which will cost me money and individual negotiating power via higher APR rates and less attractive loan level pricing adjustments/credit offers in the future ( according to all three credit reporting companies ). 2. They closed my account, all the while continued to send monthly paper billing statements with no warnings of account closure/account renewal and I didnt violate any of the terms of my account. I would certainly understand closing the account if I violated the terms we had agreed to ; late payment/no payment, inactive account, over extend credit, etc. But, in this case I did nothing wrong. It seems as if they wanted to open a new account with a dubious industry close and switch tactic so they can change the rate and terms to favor them better in the 10 pages of new fine print. Obviously, thats difficult to prove from where I sit, but it seems as the only likely motive for closing such a long standing account without human oversight. I understand other citizens have more important situations and there is nothing you can do to reinstate the account, but I feel I have a legitimate complaint about this financial giants industry tactics and would like them noted in the public record somewhere and have this information sent from your bureau over to a complaint review board/executive process at XXXX for their review ; if it ever would make it that far or ever get the attention it deserves. Thank you for your help with this matter. Cordially, XXXX XXXX.
|
| 12/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
credit card company isn't giving me a credit on items that I had complained to them about right after I saw the unauthorized charges.
every time I call they give me the run around.
I also have a long letter ( see below ) with all the dates and times that I had contacted them to no avail.
letter sent below on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX RE : Citibank XXXX XXXX XXXX CASE # XXXX To whom it may concern I have been trying to get you to issue me a credit for my account from XXXX XXXX XXXX XXXX XXXX since the day I called on XX/XX/XXXX of this year. Thats right we are going on XXXX months which is really an outrage. I sent you an email on XX/XX/XXXX as per your representative instructions ( XXXX from billing disputes ) and have yet to hear from your company.
The list below is a comprehensive compilation of all the representatives that I have spoken to for over 7 months and each one has been as unresponsive as the next one.
Time line of correspondence XX/XX/XXXX spoke to an associate who gave us a case # XXXX which I was later told was Not valid ( never heard back from anyone ).
XX/XX/XXXX I spoke to XXXX who then transferred me to to XXXX said she was going to look into it ( heard nothing back ).
XX/XX/XXXX XXXX XXXX spoke to XXXX from the security dept. they were going to look into it.
( Heard nothing back ).
XX/XX/XXXX Spoke to XXXX who said it was closed because we didnt respond to a letter That was sent to us. Not true nothing was ever emailed or sent by mail that needed a response. The only letter received was XXXX sent on XX/XX/XXXX ( UPDATE ) which said they were looking into the dispute.
He reopened the XXXX. ( Never heard anything back ).
XX/XX/XXXX spoke with XXXX from XXXX who said she froze the account ( never happened as you can see ) and then sent it to the fraud dept.
Spoke to XXXX from XXXX who was going to look into it ( never heard anything back ).
XX/XX/XXXX spoke to XXXX at XXXX who then transferred me to XXXX XXXX XXXX in billing disputes who again told me that they were going to look into it and also instituted a suppression applied which again was supposed to freeze the account but as you can see nothing happened and ( never heard back anything ).
XX/XX/XXXX XXXX to XXXX at XXXX told me there was a delay in getting the info from the fraud dept promised me that I would hear something back in XXXX business days.
( Never heard backanything ).
XX/XX/XXXX Spoke to XXXX at XXXX XXXX from billing disputes, he told me to write an email and Include in the email that we had received from from XXXX XXXX XXXX XXXX XXXX where he was Issuing us a full credit of {$5000.00} for all the additional charges that were made by mistake. That email was sent to Billing XXXX on XX/XX/XXXX ( see attached ).
He also gave us a case # XXXX ( never heard anything back from our email ).
XX/XX/XXXX spoke to XXXX in billing disputes who then told us we had to speak to someone in security operations. We spoke to XXXX at XXXX who was going to transfer us to an account supervisor. After waiting for some time she told us she was going to call us back. At XXXX low and behold she called us back and told us that a supervisor would call us. At XXXX XXXX called and left a message.
XX/XX/XXXX called back and spoke to XXXX at XXXX XXXX, they connected us to a supervisor at XXXX XXXX who was a security operations supervisor who was now going to transfer the case back to billing disputes. XXXX spoke to XXXX supervisor from billing disputes who said she was going to send a message to the XXXX to find out what is going on. She said it will take XXXX hours for them to receive the message and XXXX weeks to respond back.
So here we are XX/XX/XXXX and we have heard nothing back at all about the case, no response from our email, no response from the calls, NOTHING!!!!!!!
What I dont understand is why when you have the letter from the vendor that specifically states they were going to issue a credit, why in the world you still have to investigate anything.
This vendor has illegally charged my account on XXXX different occasions, they were all unauthorized and I brought this to your attention right away.
You not only have done absolutely nothing to right this very wrong, but I would say you have abetted this unscrupulous individual/company because you didnt react or respond Right away to my requests. You allowed these charges to go through and you even allowed the charges to exceed my credit limit which add insult to injury you paid him anyway.
I am a XXXX very hard working XXXX women with XXXX XXXX XXXX and have spent many years working diligently to make sure my credit is perfect.
You have done nothing to help me with this case, you have caused me extreme anxiety, sleepless nights and ruining my credit.
I noticed that you are advertising in the newspapers how you want to help young XXXX customers and that you were now going to be fair and inclusive with your lending practices. Is this how you act, is this fair, is this moral?
I want you to check all the recordings, I want you to see how your customer service is a joke, I want you to see how you hurt your customers, I want you to see how you favor XXXX XXXX over your loyal customers, I want this dispute rectified right away ; I want my account to be credited for what I had asked for over 7 months ago, I want the interest payments credited as well, I want Your wrong to be righted.
I expect an answer back right away and an apology and I dont want to wait another 6 months for these unauthorized charges to be credited.
Very truly yours, XXXX XXXX XXXX
|
| 05/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I rarely use my credit to apply for things. I thought I would test the waters when I thought my reports looked okay. I decided to buy a new futon in XXXX, XXXX. I thought I would try to get a credit line increase with my Citibank MasterCard. I called expecting to talk to a human. I never spoke to a human. The voice activated computer took the calls for credit line increases and said they could make the decision without making hard pull inquiries on my credit report. I gave the info requested. A moment later the recording denied the request. I was very upset.
On XX/XX/XXXX I thought I would look into buying a futon I saw online from Wayfair using a lay away plan or explore some other option like that. Again, I rarely use my credit and didn't know what sort of options there were. I called Wayfair and told the phone clerk this. She surprised me. Without telling me where she was transferring the call, someone from Citibank answered the phone. I thought " Oh no! " The man who took the call had a bad attitude : he didn't know/he didn't care. I told him what I was trying to accomplish to buy a new futon from Wayfair : Lay Away or some other plan. Would he please explain my options? He didn't explain much just that I had to give my information before he could tell me what my options were - AND HE LIED.
He put me on hold and came back moments later and said my request had been denied. I said for what? He said for the line of credit. I told him I thought he was going to tell me what my choices were before doing anything at all. He said this would be a Hard Pull Inquiry on my credit report. I was really upset. I asked why my application was denied. He said there was a consumer statement that said there was a security freeze on my report and not to grant credit unless first calling me at my number, and he said he had been trying to call me but no one answered the phone. This was a total lie. I was waiting on hold for him to come back online and was using the phone with the phone number XXXX XXXX XXXX I have been using since the year XXXX. No one tried to call me while he had me on hold.
I was very upset. I called everyone I could think of at Citibank that day to complain and ask them to avoid putting the hard pull inquiry from that botched up conversation on my Credit Report. I spoke to a lady in Citibank banking department who was very familiar with Letters of Deletion to remove wrongfully placed XXXX Pull Inquiries from people 's credit reports. While she had me on hold, she filled out the form and the letter and said she would forward them to another department who would finalize things, and thought the inquiry would be removed pretty soon A few days later I checked my report. Unfortunately, there it was! : the Hard Pull XXXX from Citibank on my XXXX report dated XX/XX/XXXX. The Hard Pull XXXX said Citibank- not Wayfair. I filed a Complaint for XXXX with the XXXX on XX/XX/XXXX.
I received a phone call from XXXX from Citibank in South Dakota on XX/XX/XXXX. She said she was forwarding the file to XXXX, and told me to expect a call from XXXX soon. XXXX to XXXX days later XXXX called XXXX explained the Citibank Hard Pull Inquiry on XX/XX/XXXX was from the Wayfair credit application, and did not have anything to do with the credit line increase request on Citibank XXXX in XXXX, XXXX - as was discussed in my first complaint filed with XXXX. I told XXXX what happened with the man who answered the phone for Citibank who had a bad attitude, and was supposed to explain what he had to offer before pulling my credit.
His reasoning for turning down my credit application was based on a sloppy attitude ; and this was unfair to me for him to put that Hard Pull Inquiry on my Credit Bureau XXXX because there were no calls waiting for me to answer while I was waiting on the phone for him. XXXX said she had to look into things, and said she would call again.
When she called, XXXX said that the story the man gave was false- and explained that the XXXX middle numbers he wrote down from my Social Security XXXX we're wrong and he pulled someone else 's credit file. She told me she would look into things, and call again.
She called the next day and decided not to honor mentioning fraud having been committed by this man at Citibank on XX/XX/XXXX for having recorded the XXXX middle numbers of my Social Security XXXX incorrectly. She decided to be " old school '' and hard nosed - even though during XXXX of our phone calls I told her I had just been through a nightmare when I bought my car and trying to have all incorrect hard pull inquiries removed from my credit reports ; and how I didn't have to go to the car dealers for them to submit Letters of Deletion ; and that all ll I had to do was talk to live agents at the credit bureaus - and they removed the hard pull inquiries while I was on the phone with them ; and that this was all done with all three Credit Bureaus in XXXX afternoon I also told XXXX what the lady at Citibank said on XX/XX/XXXX after the awful experience with that man at Citibank. The lady said, " Dont be fooled, because all banks and creditors know about Letters of Deletion, and have them on hand ; and, Letters of Deletion are easy to complete and submit. '' In spite of this, and in spite of XXXX confessing to the fraudulent situation that occurred on XX/XX/XXXX ( XXXX middle numbers of numbers of my Social Security XXXX recorded incorrectly by that man and his decision to deny me credit for the futon ) XXXX decided to be a jerk and not remove the Hard Pull Inquiry Citibank placed on my XXXX Credit Report due to this man 's sloppy work- and XXXX is an example of an old school XXXX.
|
| 01/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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DATE : XX/XX/XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX XXXX CitiBank XXXX XXXX XXXX XXXX XXXX : XXXX Account Number ending : Citibank locked me from online banking, cant view my account Debit Card number : XXXX Citibank address : XXXX XXXX XXXX, XXXX XXXX FL XXXX, XXXX Citibank branch number : XXXX Re : Consumer Financial Protection Bureau XXXX # XXXX Re : Office of the Comptroller of the Currency Case # XXXX Customer Respons to Citi Reference Number XXXX On XX/XX/XXXX the customer XXXX XXXX initiated an international wire transfer in the amount of {$22000.00}, on XX/XX/XXXX a Citibank representative called Citibank customer XXXX XXXX on the phone ( XXXX ) XXXX to verify the wire transfer. In the month of XX/XX/XXXX where made over 10 calls from Citibank XXXX XXXX XXXX to Citibank about his account, over the phone all calls were verified and the Citibank customer XXXX XXXX WAS VERIFIED by Citibank representatives. The Citibank representative verified and confirmed the wire transfer in the amount of {$22000.00} was successfully verified and successfully completed over the phone. ( Citibank customer XXXX XXXX recorded all calls ). Within 72 hours Citibank wrongfully stopped the wire transfer, and marked it fraud. Citibank violated and harmed Citibank customer XXXX XXXX by reporting false information on his account.
Citibank is using manipulative law tactics by just replying partially to the complaint and NOT addressing the customer 's XXXX XXXX complaint in full, avoiding the customers questions and requests.
Citibank confirms the closure of the account in XXXX, and 60 days and ignores entirely to respond to the release of the wire transfer in the amount of {$22000.00} and the date of the release, removing the word fraud from the wire transfer and confirming the available balance of the customer XXXX XXXX and when the XXXX XXXX funds will be released to him.
Citibank unlawfully froze customer account XXXX XXXX and illegally NOT releasing the wire transfer in the amount of {$22000.00} THAT was wired from Citibank customer account XXXX XXXX Failing to adhere to consumer protections governing customers bank accounts : Enforcement Action Under the XXXX XXXX XXXX Reform and Consumer Protection Act, XXXX XXXX has XXXX authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. The customer XXXX XXXX order requires Citibank to : Release the wire transfer in the amount of {$22000.00} immediately and remove the word fraud from the Citibank customer XXXX XXXX wire transfer that Citibank illegally and falsely reported.
Close all Citibank accounts relating to XXXX XXXX last SSN # XXXX immediately, and send all XXXX XXXX available funds to the address on file. The customer XXXX XXXX is requesting all communication from today XX/XX/XXXX, must be communicated ONLY via email and or mail, including confirmation of the above request.
Citibank claims to protect their customers, we found out that Citibank did nothing that protected customer XXXX XXXX from this event, but acted unlawfully by freezing customer XXXX XXXX account, limiting customer XXXX XXXX from accessing his bank account, removing all bank access to customer XXXX XXXX account balance and Citibank continue to hold customer XXXX XXXX funds that are much needed now for a family emergency, he worked very hard for.
On the Citibank.com website account closure Citibank stated With your account closing, please remember to : Make sure that the address we have on file is correct- we will send any funds belonging to you to this address, once the account is closed. If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card.
The Citibank XXXX XXXX XXXX believes and is requesting all his funds be released sooner to him immediately before the closing date. The customer XXXX XXXX made several calls in the month of XX/XX/XXXX and the month of XX/XX/XXXX requesting all his funds be released to him and Citibank failed to comply again.
If Citibank fails to comply again within 20 days from today XX/XX/XXXX, the customer XXXX XXXX will file a lawsuit against Citibank over consumer law violations and demand compensation, and financial damage caused by Citibank. The Citibank violations affected the customer XXXX XXXX and his family member XXXX when Citibank wrongly and falsely frozen the wire transfer and did not allow the customer XXXX XXXX to have access to his and ONLY funds and/or bank account during a holiday trip, the customer XXXX XXXX still even now does not have access to his funds after verifying his bank account several times with Citibank. ( we listen to all calls between Citibank and customer XXXX XXXX, ALL CALLS HAVE BEEN RECORDED BY Citibank customer XXXX XXXX and will be attached as evidence if Citibank fails to release customer XXXX XXXX funds.
The Citibank customer XXXX XXXX, with the legal team, specialized in protecting customers from banking fraud and holding financial institutions accountable for wrongdoing, found several violations, violated by Citibank against customer XXXX XXXX.
If Citibank fails to release the wire transfer in the amount of {$22000.00} within 20 days from this complaint date a lawsuit will be filed against Citibank and all Citibank violations will be provided in court.
IMPORTANT : Citibank customer XXXX XXXX changed his telephone number ( XXXX ) XXXX and can ONLY be reached only via email or mail on the Citibank customer file.
|
| 02/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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Web |
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XX/XX/XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX CitiBank XXXX XXXX XXXX XXXX XXXX : XXXX Account Number ending : XXXX Debit Card number : XXXX Citibank address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX Citibank branch number : XXXX Citi Reference Number XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX ATTENTION : Escalation To - Citibank Senior Management ( Level 4 ) or Head Citi Executive Response Unit .
On XX/XX/XXXX, Citibank customer XXXX XXXX was saved by his family from XXXX XXXX after receiving a letter from Citi Executive Response Unit that he will not receive his hard-earned money in the amount of {$22000.00} and his desperate attempts to get in touch with Citibank went unresolved. Citibank 's response Additionally, regarding the account ending in XXXX the remaining balance of {$10.00} will be mail to the address listed on the account within 10-15 business days XXXX XXXX family said they were devastated by the tragedy. It was a miracle to save his life, a few minutes later we will not have XXXX his family said. He actually saved the screenshot, and attached it to his XXXX note ; it showed the message from Citibank he will not get his {$22000.00} back. XXXX XXXX was planning this year XXXX to get married and buy his first apartment with the money he personally deposited {$22000.00} in his Citibank business account. XXXX family is accusing Citibank of XXXX XXXX, negligent infliction of emotional stress, and unfair business practices.
Citibank violated systematic supervisory failures and gave Citibank customer XXXX XXXX false or misleading information. Citibank since late XX/XX/XXXX failed to exercise due diligence before responding to XXXX XXXX 's concern about his business account and his funds On XX/XX/XXXX, Citibank customer XXXX XXXX deposited in his Citibank business account cash of {$22000.00} personally at a Citibank branch XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, United States On XX/XX/XXXX, Citibank customer XXXX XXXX initiated an international wire transfer in the amount of {$22000.00} to his mom XXXX XXXX wire transfer reference number : XXXX On XX/XX/XXXX, Citibank contacted customer XXXX XXXX via a phone number registered with his Citibank account and confirmed and verified the wired transfer. Citibank successfully confirmed the wire transfer over the phone and told customer XXXX XXXX it will take 1-5 business days for the money to arrive in the receivers bank account.
On XX/XX/XXXX, Citibank froze XXXX XXXX 's business account and marked the wire transfer fraud.
On XX/XX/XXXX, Citibank blocked all of XXXX XXXX 's access to his business bank account, access to his funds, online access, and bank statements From XX/XX/XXXX, to XX/XX/XXXX, the receiver XXXX XXXX could NOT pick up the money in the amount of {$22000.00} due to Citibank 's falsely reporting the wire transfer fraud On XX/XX/XXXX, Citibank requested the bank of the receiver XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to send back the wire transfer in the amount of {$22000.00}. The receiver XXXX XXXX on XX/XX/XXXX, signed the request letter at the branch XXXX XXXXXXXX XXXX XXXX and authorized the XXXX XXXX XXXX XXXX XXXX to send the money back to Citibank.
On XX/XX/XXXX, Citi Executive Response Unit sent a letter to Citibank customer XXXX XXXX and Citibank stated Additionally, regarding the account ending in XXXX the remaining balance of {$10.00} will be mail to the address listed on the account within 10-15 business days and Citibank completely ignored to clarified to Citibank customer XXXX XXXX about the request Citibank made and requested the {$22000.00} to be returned back to Citibank.
Several attempts have been made to Citibank by customer XXXX XXXX requesting his money in the amount of {$22000.00} be released or sent to the address on file and each time Citibank completely ignored to address XXXX XXXX request.
On XX/XX/XXXX Complained filed with Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX. Citibank respond but failed to address Citibank customer XXXX XXXX 's concerns about when he will receive his money in the amount of {$22000.00} On XX/XX/XXXX Complained filed with Consumer Financial Protection Bureau XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX. Citibank respond but failed to address Citibank customer XXXX XXXX 's concerns about when he will receive his money in the amount of {$22000.00} From XX/XX/XXXX, to XX/XX/XXXX, Citibank customer XXXX XXXX made over 20 plus calls to Citibank to resolve this issue and Citibank failed to provide any resolution.
On XX/XX/XXXX Citibank customer, XXXX XXXX received a Citibank check in the mail with the wrong amount, in the amount of {$10.00} Citibank check number XXXX and Citibank failed to send the correct amount, and the remaining balance in the amount of {$22000.00}.
Enforcement Action Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, XXXX XXXX has the authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. XXXX XXXX family is accusing Citibank of wrongful suicide, negligent infliction of emotional stress, and unfair business practices. The Citibank customer XXXX XXXX order requires Citibank to Release the funds in the amount of {$22000.00} immediately to Citibank customer XXXX XXXX and send the available funds to the address on file.
Citibank customer XXXX XXXX changed his telephone number ( XXXX ) XXXX and no longer has access to the old number ( XXXX ) XXXX can ONLY be reached via email or mail on file.
|
| 01/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I am writing this to file a compliant against Citi Cards regarding my Master credit card ( card number ending at XXXX ).
This account was opened recently and I made my first purchases on XX/XX/18 and XX/XX/18. Citi then sent me the XX/XX/2018 bill statement ( my very first bill ). The due date was XX/XX/18. The total outstanding balance was {$760.00} and the minimum payment was {$25.00}. I then setup Citi as a payee through my XXXX XXXX Checking account and sent the payment before the due date ( with an amount equal to {$200.00} ). Unfortunately, XXXX XXXX notified me that the payment was rejected and that they are going to credit the amount back to my checking account.
On XX/XX/XXXX, I called Citi to ask why they rejected the payment. The representative advised me that Citi didnt receive any payment ( dont see any transaction ) and suggested to contact XXXX XXXX. I called XXXX XXXX for the reason as to why the payment didnt go through. XXXX XXXX stated that they sent to the correct payee ( address ) but they could not tell ( didnt know ) the reason why Citi rejected the payment. XXXX, then, suggested to go back to Citi again and ask the reason.
On XX/XX/XXXX, I called Citi again and explained what XXXX stated and asked the representative to tell me the exact reason why they rejected the payment. Instead of trying to find the reason, the representative suggested to make a payment over the phone or to sign on Citi online and make the payment directly on Citis website. I insisted that this is not my first time setting-up a payee through my checking account and sending payments. I told him that I have been doing this for several years and several accountspayees. I told him that I prefer to manage my bills from one place and my comfortable site. The representative was not happy with my response and hung up.
I called back in only a few minutes and got connected with another representative. I explained the situation and also the incident that took place few minutes ago. He then tried to take a look at the account and advised me that the referenced account ( which was active just few minutes ago ) is closed. I asked him when and why it was closed. The representative stated that the account was closed the same day ( XX/XX/XXXX ) and also told me that someone called the same day and let Citi know that the primary card holder is deceased.
The account was active just few minutes ago, no one can call regarding this account on my behalf and more surprisingly, I am very well alive. I was shocked, frustrated, and confused. I found my self helpless. I didnt know who to go to. I then asked him to do me a big favor - to let me talk to a manager. He found a manager and I explained the story to the manager one more time, told her what the previous representative did to me and also what the later representative found out. The manager understood the depth of the issue and stated that Citi will investigate the situation and find out who closed the account and notated that the primary card holder is deceased. I then asked her to put a No Late Charge Stop until they investigate the situation and she promised that she will put a stop on the account indefinitely.
After about a week ( on XX/XX/18 ) I called Citi again and requested if I can talk to a manager regarding the status of their investigation. Instead of apologizing for their practice and express sympathy for what I have been going through, the manager told me that a late charge has been assessed, the account is delinquent, closed and sent to a collection agency. I asked him how can they assess a late charge while the previous manager promised to put a No Late Charge Stop. This manager stated that they dont put a stop and the only option I have is to follow-up with collection agency. I asked him to explain why they rejected the payment in the first place. He stated that it is not because they rejected it, but because they never received the payment and asked me where XXXX XXXX sent the payment. I told him That XXXX XXXX sent the payment to the correct address which is CITI Cards XXXX XXXX XXXX XXXX, KY XXXX-XXXX He stated that this address is incorrect. He said the four digit zip code extension is XXXX not XXXX. I insisted that what they have on the actual printed billing statement is XXXX and that is where XXXX XXXX sent the payment to. He, with no sympathy, told me that the address is incorrect and he refused to hear anything about what they printed on the paper statement.
I also asked him if he can explain to me why Citi closed the account and he stated that Citi decided to close the account because it was not in a good stand. I told him that I never had any balance on this account, never been behind on payments, and I even sent the very first payment with an amount equal to eight times the minimum required payment ( almost half of the outstanding balance ) and I insisted the reason he is telling me doesnt make any sense. He simply, with no sympathy, told me that the account is closed and sent to a collection agency.
Indirectly, what this manager told me is that they ( Citi ) can do anything they wanted as their customersconsumers have no power to stop them. I was, and continue to be, treated unfairly and what Citi is doing is illegal business practice. Citi must respect their customers rights and serve everyone equally.
I went above and beyond to fulfill my responsibilities and demonstrated how loyal I am to my Credit Card provider. However, because of Citis illegal business practice, I havent been able to make my very first payment. I hope the issue will be resolved very soon and I resume my payments.
|
| 09/04/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
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Hello, For the past 3+ months I've been trying to settle an issue I have with Citibank about honoring a cash bonus promotion. And after too many attempts that have included hours on the phone with more than half a dozen different customer service representatives across multiple countries, I haven't found a satisfactory resolution and that's why I'm filing a complaint with the CFPB as a last resort.
This all stems from a promotion Citibank was doing ( it's actually still active today ). Back on XX/XX/2020 I opened a Citi Priority banking account online. As part of the promotion, I needed to deposit {$50000.00} or more ( which I deposited on XX/XX/XXXX ) and maintain that balance for 60 consecutive days ( which I fulfilled on XX/XX/2020 XXXX. Upon completing those terms, Citibank would add {$700.00} to my account within 90 days after meeting the requirement, which means I should have gotten the bonus by at least XX/XX/2020. But as of today, XX/XX/2020, that bonus was never issued.
I first inquired about the bonus back on in XXXX ( don't know the exact date ) with a Citibank rep through an online chat or call and they told me that by the end of XXXX I would receive the bonus cash. I asked if there was anything I needed to do on my end and they told me that I just needed to wait.
XXXX came and went and I saw no bonus cash, so I chatted with someone again online on XX/XX/2020. After explaining to them what was going on, they assured me that I had met the requirements and that the money would be added soon ( attached a screen shot of a portion of the chat where the rep said I fulfilled requirements and said I would get the bonus ).
Fast forward to XX/XX/2020 and I spoke to a rep ( in the XXXX? ) over the phone and they looked into my account and said I had met all the requirements and again assured me that I would get the bonus cash. They said they would open an inquiry to help escalate the issue, and I waited to see if the money would be deposited.
On XX/XX/XXXX I saw a message ( dated XX/XX/XXXX ) on my account stating that they had completed their investigation and determined that I wasn't eligible for the promotion due to my checking account closing on XX/XX/2020. I immediately called someone ( in the XXXX again ) and asked what this meant. They explained that Citibank had decided to close the checking account on their own due to there being no money in the account. I told the rep that I didn't choose to close that account and didn't even know I needed to have money in it to keep it open. I also said, I still had the savings account open with the $ XXXX in there. I told them that nowhere in the terms and conditions for the promotion did it say I had to keep both savings and checking account open to get the bonus. I also mentioned that in all the previous conversations with other associates, no one ever brought up that issue before. I asked the customer service rep if I could speak to someone in the United States to assist me, since I was afraid something was getting lost in translation. I spoke to a nice woman ( XXXX ) from the US and after looking into my matter she believed that the issue would be resolved in my favor and that usually cases similar to mine work out to the customer 's benefit.
XX/XX/XXXX, another message comes in ( dated XX/XX/XXXX ) and I called Citibank again. I immediately asked to speak to someone in the US and I spoke to a man named XXXX. He explained that I wasn't eligible for bonus cash due to the checking account being closed ( same rationale as the other letter ). I explained to him ( just like the previous 2 or 3 reps ) that it wasn't my decision to close the account. XXXX said the account was closed due to there be a lack of funds and I asked him where in the terms and conditions does it say both a savings and checking account needed to be open to be eligible for the promotion. He couldn't give me a clear answer, and that there wasn't anything he could do. But after looking at my account further and the notes from the inquiry and appeal, he said he believed I had met all the requirements for the promotion since I had the money ( $ XXXX ) in there for 60 consecutive days and that the checking account was closed ( XX/XX/XXXX ) after the 60 day threshold was already passed ( XX/XX/XXXX ) and that it shouldn't matter if the checking account was open or closed. He sent in another appeal and was confident it would work out in my favor.
Finally today, I get another message on my account saying the same thing. I didn't meet the requirements of the promotion due to the checking account being closed.
So to restate my argument, I believed I met all the requirements based on the terms and conditions stipulated in the promotion and that there is nothing explicitly saying that a customer must have BOTH a savings and checking account with required funds ( $ XXXX ) open for a total of 150 days ( 60 consecutive days of having the funds in place plus the up to 90 days for the bank to deposit the bonus cash ). So I believe ( as well as XXXX, XXXX and all the other associates ) that I met my end of the deal and should receive the {$700.00}.
I'm sorry this description is so long, I just wanted to make sure I shared all the documentation and correspondence I had so that you have a complete picture of everything I went through and that it wasn't due to a lack of effort that I'm now having to resort to a complaint through the CFPD. Having looked through the database, I now realize that I'm not alone in having this issue with Citibank.
Thank you and I look forward to a resolution that doesn't require further legal action.
|
| 05/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
A debt collector is violating my rights under the Fair Debt Collection Practices Act by issuing me a Notice of Intent to sue and threatening to serve me a court summons at my place of work for a supposed debt ( that I do not acknowledge ) from 20 years ago, long past any statute of limitations.
Yesterday, XX/XX/2023, at XXXX XXXX, I received a voicemail from a person who identified himself as XXXX XXXX of XXXX ( or XXXX ) XXXX. He said I would be served a court summons between XXXX XXXX XXXX that day from an officer at my residence for a claim made against me, and that if I wasnt at my residence, they would show up at my work to serve the papers. He gave me a case number that resembles court case numbers within my county of residence.
He also said that if I didnt want to be served at work, I could call the legal administrator and have the papers rerouted elsewhere as long as I had proof of ID on me when the papers were served. He gave me a number for the legal administrator, but it was different from the number he called from.
The number he called from : XXXX The number he gave me for the legal administrator : XXXX The voicemail sounded very legitimate. He identified my full name, date of birth, and the last four digits of my social security number. Even so, in an attempt to further verify the authenticity of the call, and also to learn more about the court summons, I called the number he gave me for the legal administrator ( the XXXX number ) and left a voicemail asking them to call me back. I did not give any personally identifying information other than my name and phone number.
The legal administrator did call back shortly after, a call which I answered, though I failed to ask him his name, as I was still in a state of shock and confusion. He knew all of my personal information, including my residential address, without me giving him any identifying information. He had it all on file. It made me secure that it was not a scam, so I asked him what the court summons was for.
The legal administrator clarified that it wasnt a court summons but a Notice of Intent to sue. He said it came from XXXX via Citigroup. He said I was in default for around {$1100.00} but that they were suing me for around {$2100.00}. I told him it couldnt be right because I havent had or used any credit cards in almost 20 years. He said they were allowed to collect the debt by reason of tolling and also said that all banks were collecting on defaulted debts right now due to the banking crisis. He ended the phone call soon after that, but he was cordial throughout.
At no point during the phone conversation did I acknowledge that specific supposed debt or offer to make payment arrangements. Quite the opposite. Soon after the call ended, after I had time to process and research what tolling was, I called the legal administrator back and left a voicemail saying that I did not acknowledge the debt and that if they were going to serve me legal paperwork, they would need to do so at my residence and not at my work. He never returned the call.
Before talking to the legal administrator, I had also called the number that the initial voicemail had come from ( the XXXX number. ) Each time, an operator, a man, answered the phone as XXXX XXXX and, after taking my case number, forwarded me on to what he referred to as the legal department, but each time except the last the call was forwarded to a voice messaging system.
The final time I called I did get put through to an actual person in the legal department. I repeated to him what I had in my voicemail to the legal administrator, that I did not acknowledge the debt and that if they were going to serve me legal paperwork, they would have to do so at my residence, not at my work. The man I spoke to, whose name I also failed to ask, became aggressive with me and said that a processor would still be going to the HR department at my place of work to serve a Notice of Wage Garnishment to my employer. I told him he couldnt do so until after any potential court hearings. He told me it was only a Notice of Intent and they could serve it to my work at any time, and then he hung up on me. That was my last interaction of the day with the debt collector.
All of the above interactions occurred on XX/XX/2023, the same day I received the initial voicemail.
At no point in the last 20 years have I ever made any contact or agreement with any credit card company to make arrangements to pay off any defaulted debt. Therefore, the debt collectors use of tolling as a viable reason to collect the supposed debt ( which I do not acknowledge ) is false and a purposeful attempt to misinform me. By purposefully trying to mislead me, by threatening to serve me legal paperwork at my place of employment, and by trying to intimidate me by delivering a Notice of Intent to sue for a supposed debt that, by their own admission, is long past any statute of limitations, they are violating my rights under the Fair Debt Collection Practices Act.
Curiously, when I called the general number back this morning ( the XXXX number ), instead of answering the phone as XXXX XXXX as he had the day before, the operator answered as XXXXXXXX XXXX XXXXXXXX. I hung up immediately after the operator answered due to the name change. Because they had all my identifying information on file, I still believe this is an actual debt collector and not a scam, but that they are definitely using illegal means to harass people.
I have saved the original voicemail for any officials who would like to hear it. I also have the full case number provided to me in the voicemail.
|
| 02/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
XX/XX/19 : I used my Citibank Debit Card to purchase an item ( earpods ) from XXXX XXXX XXXX in the amount of {$39.00} at that time a debit hold was placed on my account.
XX/XX/19 : The transaction in the amount of {$39.00} posted to my account.
XX/XX/19 : I contacted the merchant via their online email contact option asking for an estimated time it will take for the item to be shipped since they have already charged my account. On the same date I received a reply back from XXXX for the merchant stating that my order is still being processed and that once my order is shipped they will send an email containing the tracking number.
XX/XX/19 : I again contacted the merchant via email stating that I have yet to receive any communication regarding when or how long it will take for the item I purchased to be shipped. On the same date I received a reply back from XXXX for the merchant apologizing for the inconvenience and that due to high demand for the product it resulted in a very high turnover in their inventory which depleted their stock and that for me to rest assured that their fulfillment team is doing their very best to have my order delivered.
In the meantime, I called Citibank at the telephone number listed on the front of my statement based on the instructions located on the back of my statement. The Citibank Representative opened a dispute and said that they will be sending me a document with in 7 business days and for me to complete and return the document either by mail or fax ( number will be provided on the document ).
I then contacted the merchant again via email stating that their response does not address my concern, that I wanted a date in which my order will be filled and shipped. In addition I researched and found online that this company has had similar complaints from other customers claiming to have purchased items and never receiving them yet being billed for them. I indicated this in my response back to them along with FTC rules stating that merchants should not bill a customer unless the item is shipped. At this point XXXX from the merchant responded stating that at this time they can not give an estimate shipping date as they are waiting for their next back of stock to arrive. If I am not willing to wait, I can request a refund. Since they could not provide any estimated date I requested them to refund me. Summer from the merchant responded that they were sad to see me go and that they cancelled my order and submitted a refund request. Once the refund request is approved, I will receive an email confirming that the refund has been processed and to allow my bank 3 - 5 business days to complete the process.
XX/XX/19 : I have not received any confirmation from the merchant stating that my refund has been approved or applied. On this date I did receive the Citibank document ( that they said they would send out on XX/XX/19 which was the day I gave oral notice to Citibank ). I completed all the required information and faxed it back at the number indicated in the document on the same day along with copies of all my email communications to and from the merchant.
Based on Regulation E Rules, Citibank has 10 business days to investigate and must begin the investigation while waiting on any required documents. If they can not complete the investigation within 10 business days ( XX/XX/XXXX ) then they must provide provisional credit to my account.
XX/XX/19 : I checked my account and found that neither a merchant credit or provisional credit had been posted to my account. I called Citibank that morning ( approx. XXXX ET ) and spoke to a Representative who confirmed that they received my documents on XX/XX/19 and that they had 10 business days from the date they received my documents to complete investigation or provide provisional credit. I explained to the representative that this is a violation of Regulation E as my date of notice for disputing the transaction was XX/XX/19. I also stated that I work for a peer bank and support the line of business that processes Reg E claims from a Risk & Controls perspective and am very versed on Reg E. I explained that the instances in which a financial institution may take up to 20 business days to provide provisional credit and that my situation did not fall into that category. I was told by the representative that they investigators are working on my case and that's all they can do.
Later that day on my way home from work ( approx. XXXX ET ), I again called Citibank because I wanted to speak to someone else. The representative that I spoke to again reiterated that they had 10 business days from the date they received my documents ( XX/XX/19 ) to conduct their investigation before they would have to provide provisional credit. I again stated that this was in violation of the regulation as my date of notice was on XX/XX/19 and that if a document was required ( which it was ), that I would have to return it within 10 business days from the date I initial disputed the transaction, which was XX/XX/19 and that if Citibank did not receive the document within those 10 business days, then they were not obligated under the regulation to provide provisional credit. The representative offered for me to speak to a supervisor or to take my complaint. I opted to speak to supervisor. At that point XXXX took over the call, I again explained the situation, he said he would add notes to the dispute for the investigator.
XX/XX/XXXX : Still no merchant credit or provisional credit ( actually Citibank should not be providing FINAL credit since 10 business days have passed with no PC given.
|
| 07/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Citi Cards Account Number XXXX XXXX XXXX XXXX I have attempted to resolve the debt with Citi Cards since XXXX. Please see previous case numbers XXXX and XXXX.
The initial debt was with Citi Cards. I failed to make payments due to unemployment, and the account was transferred to XXXX XXXX. Prior to the account being transferred to XXXX Once, I attempted to contact Citi Cards to resolve a modified payment arrangement due to my employment status. A representative, XXXX, instructed me there was no record of my account. The account was transferred to a third party. He provided the account would be transferred back to Citi Cards after the account was brought current. I contacted XXXX XXXX and provided payment in the sum of XXXX to bring the account current. The next payment was not due until the XXXX. A representative, XXXX, contacted me prior to the XXXX and attempted to collect additional monies. I instated I would not make another payment until the due date. XXXX incited to begin using derogatory remarks and comments related to my refusal to pay the debt. I terminated the phone call and contacted Citi Cards to report the incident. A representative from Citi Cards provided they were not able to provide any plan of action based on the remarks of the representative from XXXX XXXX. I provided information to the representative related to my payment to bring the account current. The representative provided the account was still being held by XXXX XXXX. Citi Cards was unable to resolve the issue of harassment ; therefore, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). The incident report numbers for Citi Cards and XXXX XXXX are detailed above. I contacted XXXX XXXX on the XXXX to provide the next payment. I was told the party assigned to my account was out sick. A phone call was returned, and the supervisor informed me the assigned representative was no longer employed with XXXX XXXX. He continued to share they received information related to my complaint to CFPB ), and they would no longer be able to work with me or accept payments. The supervisor provided the account was being transferred back to Citi Cards. Following, this conversation, I began to make payments online to Citi Cards. In XX/XX/XXXX, I included the account into debt consolidation as the account was current. I proceeded to make monthly payments. The balance has been reduced from over 5,000 to approximately XXXX. A copy of my credit report was retrieved to review the progress of the debt management program. I noted Citi Cards reported the account to all three credit bureaus as a charge off. I never received communication-related to the debt being transferred to a charge off account. This was unannounced to me pending the review of my credit report. Also, this was not indicative in XX/XX/XXXX when the account was entered into the debt consolidation program. The account was current as of XX/XX/XXXX, and it is being paid in full. The account was NOT settled for a lesser amount than what was owed. I have contacted Citi Cards approximately five times to resolve the issue of the reporting. The last call was on XXXX. A representative, XXXX, informed me the account was listed as a charge-off in XX/XX/XXXX. Citi Cards began to accept payments from the debt consolidation company in XX/XX/XXXX. Citi Cards incited this action, enlisting the account as a charge-off, after receiving initial contact from the debt management agency. I questioned why I didn't receive notification and expressed concern as the card was current. Payments were made through XXXX XXXX and online with Citi Cards. XXXX communicated he was unable to help me or reverse the charge off. The charge-off was unfairly reported on my credit report. I have attempted to resolve issues with payment and recording through Citi Cards related to this account since XXXX. Documentation can be noted in the complaint based though CFPB. Citi Cards has been unwilling to determine the following : why I did not receive communication about the status of the account being changed to charge-off ; why the account status was changed to a charge-off account after the account was brought current ; documentation of payments from XXXX XXXX, and rationale for unfair/inaccurate reporting to the three credit bureaus. The account was brought current in XXXX. Moreover, the account is being paying in full. The reporting of a charge-off has and will continue to have a negative impact on my credit score.
In correspondence provided by Citi Cards on XXXX, they recognized the unprofessional behavior by the XXXX XXXX employee and resolved I would continue to make payments to XXXX XXXX until the account was paid in full. However, XXXX XXXX informed me they would no longer accept payments from my following my complaint to CFPB. XXXX XXXX instructed me to resume payment to Citi Cards. I resumed payments online.
The discontinuity of communication between the creditor ( Citi Cards ) and debt collector ( XXXX XXXX ) has caused undue stress. In addition, the inconsistencies in receipt of payment possible contributed to errors in crediting payments to my account during the transitions of the account from Citi Cards to XXXX XXXX and back from XXXX to Citi Cards again. In turn, this contributed to inaccuracies being reported to the three credit bureaus.
I have attempted for more than two years to rectify the error in reporting or changing the account to a charge-off status. The account was closed by the creditor while it was in current status. Also, the account is being paid in full. There was NO settlement agreement for the due amount.
|
| 08/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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BACKGROUND OF PURCHASE : I purchased what I believed to be a physical book through XXXX XXXX ( XXXX ) and instead received an access code to a digital book in the mail on a piece of paper. There are multiple reasons I was expecting a physical book : 1 ) The price ; {$180.00} makes absolutely no sense for an access code on a piece of paper. Any logical customer would come to the conclusion that they would receive a physical book for that price tag and not just a piece of paper.
2 ) I have knowingly purchased a different digital access code through this same website. I received the access code immediately in my email for that purchase as expected. Any logical person would then conclude that digital access codes would be sent to email, and physical books would be sent via physical mail. Because I was expecting something through physical mail, my only interpretation was that I was receiving a physical book.
Needless to say, I was disappointed and confused when I received the access code in my physical mail. In the process of registering the code for access to the digital book, I was presented with an option to purchase the same exact materials for over {$50.00} cheaper directly though the textbook company, XXXX XXXX, so I called XXXX XXXX to return the code on XX/XX/XXXX. They said that because I scratched off the code on the paper that they couldnt take it back. I explained that I had to enter the code in order to be presented with the option via XXXX XXXX to purchase the code through them directly. Despite this, he refused to accept my return. It is obvious that I was bait and switched through the retailer website, on top of there being a cheaper alternative for what I actually received.
DATES OF CONTACT WITH CITI : I explained all of the above numerous times to Citi, my credit card company, on the following dates ( in reverse chronological order ), over a 2 and a half month span when they indicated it would take no longer than 60 days to fully resolve the issue : Using Citi Dispute Direct Line ( XXXX ) XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX Using General Line ( XXXX ) XXXX ( some of these calls may have focused on the interest portion specifically but it was always related to the disputed purchase ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX SUMMARY OF CONTACT WITH CITI : The day I received the incorrect materials was the day I initially contacted Citi for the dispute, which was XX/XX/XXXX. On XX/XX/XXXX, Citi informed me that they were siding in favor of the merchant, but that I could continue disputing the charge if I provided the materials they requested. On XX/XX/XXXX, Citi sent me a document of the materials they were requesting and on XX/XX/XXXX, I provided all of the materials via email in a XXXX XXXX document that included images and screenshots of everything requested. They said they would review the document and then get back to me, and on XX/XX/XXXX, I got a notice saying they were again siding in favor of the merchant because I provided inadequate information in my documentation ( I believe they said I was missing an image of the product and an image of what I had ordered through the website when my documentation provided both of those things, as well as proof that I contacted the merchant directly, which I also provided in my documentation ). I called them that day to get an update and they said they would escalate and prioritize the issue and to see what specifically was missing from my documentation. I did this 3 more times on XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX, and I confirmed that no one had actually looked at my case since XX/XX/XXXX, the day I initially confirmed with a representative that I had adequately provided all the requested materials. I confirmed this again with 2 more representatives and I was told the same status, that they were missing materials from my end and that they would escalate.
There were a couple calls specifically to speak about how interest would be handled, and I was told that I would not have to pay interest on the purchase since it was still in dispute, and that I would pay the full amount of my credit card bill for the month minus the initial charge for the activation code plus its interest. This process has taken over two months and it now appears that interest is racking up the longer it takes for them to resolve the issue, which leads to my next concern, which is that they may be intentionally taking a long time to look into this issue in order to rack up interest charges, with no intention of refunding either the initial charge nor the interest.
I was told by a representative that since the charge was still being disputed, that I could pay the full balance of the card less the cost of the disputed charge and any interest. But considering how long this process has taken and that it's now been longer than the given timeframe of 60 days, on top of no one actually looking at my case, I felt it urgent to reach directly out to you. I have exhausted all options ; I've reached out to the merchant directly who refused to refund me, I've been in a months long back and forth with Citi while interest charges rack up, and now I'm appealing to you as hopefully a way to finalize this process as I've gone above and beyond the due diligence for something that should have been refunded very quickly in the first place. Total interest racked up to date for this purchase is {$28.00}, plus the initial purchase of {$180.00} is a grand total of {$210.00}.
Please reach out to me if any information is unclear or inadequate, I'm happy to provide any additional proof/materials.
|
| 06/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
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On approximately XX/XX/XXXX, I was approached by Citibank to add to my charge account of some 33 years the benefit of double cash back on select items only. I honestly do not remember if this was by mail or email, but Citibank customer service advises me that I responded by email. This is odd to me as I thought I had opted out of their emails many months ago, and in fact show my last received email in XX/XX/XXXX and did not receive another email from them until I received my first double cash back statement in XX/XX/XXXX. Perhaps you can verify whether I did indeed opt out. I do however remember initiating the process to add double cash back ( on selected items only ) to my account. I have had several other banks make me this offer and have done so without incident. When I paid this years XXXX statement, I happened to look at my rewards points balance and noticed it was only around XXXX points. Before I made the change to double cash back, my rewards point balance was around XXXX points. Thinking there was an error, I called their Rewards Point Dept., and was informed that the balance of XXXX points shown on my statement was correct. They also confirmed that I did indeed have some XXXX points before the conversion. Evidently, in the fine print that I supposedly agreed to, there was a clause that read " all previous unused rewards points would expire in 60 days ''. Obviously, I was upset and not satisfied with this answer and asked what recourse I had. I was informed that I could contact Citibank customer service and was given their phone number.
After speaking with customer service, I was told the same thing that Rewards Service told me. I then asked to speak to a manager. I was transferred to a supervisor by the name of XXXX. He said he was not allowed to give me his last name. He told me the exact same thing that the others had told me. That I did have XXXX points and they expired on XX/XX/XXXX, 60 days after the account change. He further explained that I did do this online and that when I hit the " I agree '' button, that the point forfeiture information was included in what I agreed to, so that as far as they were concerned, I did indeed agree to it and there was absolutely nothing that could be done about it. I told him that I wanted to file a formal protest and was grudgingly told that I could write to Thank You Rewards, XXXX XXXX XXXXXXXX, XXXX XXXX SD XXXX, but that it would not do any good. Incidentally, XXXX told me on three different occasions that my protest would be a waste of time and not do any good. So, I am doing this instead!
As a senior citizen, and somewhat elderly, I feel very taken advantage of and maybe even a little discriminated against. My mind is just not as sharp as it used to be, and the supplied information was confusing to me. I believe that this was intentional on Citibank 's part, and that any normal person of my age would have found it confusing, ambiguous, and misleading. I would be very interested to know if my age group was targeted by CitiBank in what I can only think of as a stealth scam.
My wife and I are on a semi fixed income and it had taken us decades to collect those points. There is no way that increasing my rewards points on selected items only, would ever come remotely close to the XXXX points ( {$850.00} ) that was taken from us. That is a lot of money to us and it was part of our small nest egg. As the old saying goes, " I may be ignorant, but I'm not stupid '', and I would never have knowingly agreed to this ridiculous proposition. Amazingly, Citibank allows you to directly convert your points to pay or credit your account. At the very least, they could have just rolled my points over as a payment or credit on my changed account. I truly believe Citibank was being intentionally deceptive and dishonest, or rolling my points over would have been the obvious solution. Also, on XX/XX/XXXX, I received a " Confirmation of Account Change '' letter ( attached ). Nowhere in the letter nor the two accompanying brochures was forfeiture of unused previous points mentioned, nor did I reveive any other notices of impending rewards point forfeiture. In my opinion, this is the absolute personification of intentional omission.
I can not help but ask myself who was benefited by this account change. It certainly was not in my ( the customers ) best interest but seems to have greatly benefited Citibank. And just to add insult to injury, I just received another letter from Citibank ( attached ) informing me that as of XX/XX/XXXX, they are removing some of the promised benefits attached to this card, ... Roadside Assistance, Car Rental Insurance, Citi Price Rewind ( dropping from maximum of {$2500.00} to {$1000.00} per year ) etc. I am however convinced that their " fine print '' allowed them to do this and that I agreed to that also.
Here 's the bottom line, ... I was told that my account number would stay the same, and I didnt even realize that I was doing anything but adding a benefit to my current account. At least that is how it was represented and how I interpreted it. If I had been aware that I was signing up for a totally new and different type of account that could result in the forfeiture of decades of earned rewards points, I certainly would have been more cautious and diligent, and most probably, not even considered it.
Thank you in advance for you time and consideration regarding this matter and anything you can do to help me resolve this issue would be greatly appreciated. If there are further questions, concerns, or additional information is required, please advise
|
| 06/14/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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|
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Web |
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Greetings, On XX/XX/2022, I received an email from someone acting as a representative of the clothing company, XXXX, a company that has clothes and other merchandise across the US. The email was in response to my resume being posted on the website, Indeed, and stated that they were looking for a Product Photographer to join their team, working remotely, and wanted me to reach out to them for an interview. Now, the company I currently work for has actually done business with XXXX many times in the past, so I was very flattered and intrigued. I emailed them back stating that I was interested, and they set up an interview for the following week. I went through the interview process, it was done via text through the XXXX app. I had not done a interview in more than a decade, as I have been with my current employer for XXXX years now. I did not think anything was suspicious or fraudulent, as we are now in a remote era where things are done via XXXX and XXXX and you don't even need to be at the actual location to close important deals or even work. The interview happened on XX/XX/2022, at at the conclusion I was offered the job. I was sent over a contract, which myself and my wife looked over, and it looked very legit. I was very excited as I am looking to become a full time photographer because that is what I love to do. Currently, when I am not on my weekday XXXX job, I do all things photography ( including weddings, concerts, special events, etc ) on the weekends and on my spare time, so I am fully invested into photography and it is what i truly love. Sadly, none of this would come to pass because all of this hooplah was the work of a scammer, and unfortunately, I didn't see any red flags.
The " person '' I was communicating with on XXXX went by the name of " XXXX XXXX ''. I put that in quotes because they have since blocked me on XXXX and also changed their names. However, in the attached screenshots, you will see their name and also phone number on the app, if that is any help to you. XXXX told me that XXXX was going to send me a few checks to make sure I was properly outfitted to work with them remotely. They wanted me to have the right equipment, meaning camera gear, computer gear, lighting gear, etc and they wanted me to use the company provided equipment, NOT my own. Again, i didn't see an issue with this, because XXXX is a big company and if I was to be photographing new product that they would display in their website, it only made sense for me to follow their rules. They would sent me checks to deposit into my account and then they would ask that I send the money via XXXX to their own company approved vendors so that the vendors could purchase and customize the equipment before sending it to me. XXXX of the things they talked about was a device on a XXXX that would track my time so that I could get overtime. XXXX checks were mailed to me : the first was for XXXX dollars on XX/XX/XXXX, the XXXX was for XXXX dollars on XX/XX/XXXX, the XXXX was for XXXX dollars on XX/XX/XXXX, and the XXXX was for XXXX dollars on XX/XX/XXXX. All were deposited into my checking account. On XX/XX/XXXX, I sent XXXX dollars via XXXX to a " XXXX XXXX '', which was XXXX of their company approved vendors. On XX/XX/XXXX, I sent XXXX dollars via XXXX to a " XXXX XXXX '', the second of the XXXX company approved vendors that would get my equipment all together. On XX/XX/XXXX, I sent XXXX dollars via XXXX to XXXX XXXX. On XX/XX/XXXX I sent XXXX dollars via XXXX to XXXX XXXX. On XX/XX/XXXX, I sent XXXX via XXXX to XXXX XXXX. That would be the last transaction I sent via XXXX because that is when things got ugly. The next day I noticed that XXXX of the XXXX checks I got from " XXXX '' had bounced and returned, deducting XXXX from my checking account. I immediately told this " XXXX XXXX '' what had happened, and they said they would look into it over the weekend. I had deposited XXXX of fools gold into my account and sent back XXXX dollars of real money to a scammer. I got the sickest feeling to my stomach and notified my bank that I feared the worst. Citibank told me that if the first check had bounced, most likely all XXXX checks would bounce. My entire bank account was frozen until all XXXX checks bounced, which they all did. On the following Monday, I followed up with " XXXX XXXX '' and was promptly blocked and had the entire chat conversation wiped clean. Thankfully, I had started screenshotting the conversation before it was wiped.
I filed a dispute with Citibank, but I never really felt like Citibank had my back. It was hours on hold just to get a hold of anyone in the fraud department, and then no one really had answers that made me feel better. I faxed over XXXX pages of supporting documentation that clearly showed that I was the victim of an employment scam, but Citibank ruled against me and does not want to refund my money. When you look at all the supporting documentation, you will clearly see that I went into this with good intentions and someone took advantage of me. What sane person would want to just give XXXX dollars away for reckless and foolish reasons? I legitimately thought this was a great career opportunity as a photographer for a company that I actually dealt with in the past, and was absolutely crushed when this did not go through.
Here is the link to all of my supporting documation : https : XXXX? usp=sharing Included is the employment letter, conversations with the scammer themselves, and screenshots of the zelle transactions. I have over XXXX screenshots so I thought it would be easier this way.
|
| 06/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I live in XXXX XXXX with my wife and XXXX daughters. Because of the lack of work in XXXX I work in XXXX XXXX and have an apartment there. I commute back and forth with some email being sent to XXXX and XXXX specific email ( job, apartment being sent to XXXX ).
On XXXX I went to the Best Buy store located at XXXX XXXX XXXX, XXXX XXXX to purchase a TV and home entertainment system for my apartment in XXXX. On said day I was accompanied by two co-workers, XXXX XXXX and XXXX XXXX, both who can collaborate most of the facts I will present.
During my visit to Best Buy XXXX and XXXX helped me determine the merchandise I wanted to purchase for my apartment. When checking out the salesman asked if I wanted to apply for a Best Buy credit card. I said NO, I already have a XXXX XXXX credit card that earns me points on purchases. The salesman said that I could get 10 % of the sales price ( {$3800.00} or {$380.00} in a gift certificate if I applied ). Again I said no. XXXX suggested I would also get XXXX XXXX points if I paid off the Best Buy card with my XXXX XXXX card, which the salesman supported and a lightbulb went off in my head ( new hunting gear ). At that point I said OK if it doesn't take too long ( it was late evening ).
I ended up buying {$3800.00} worth of merchandise, signed numerous times on the payment pad and left with a receipt almost 2 feet long.
Sometime in the next 30-45 days I received a bill from Best Buy Citibank visa for the full amount ( {$3800.00} ), which I disregarded thinking it was just a mistake. Then the following weeks/month I started getting phone calls and messages from Citibank ( from non-English speaking, rude people ). Finally, through ( I ) the statements that I received and ( II ) phone calls from Citibank I learned from their perspective they hadn't received payment via my XXXX XXXX credit card. Therefore, I contacted XXXX XXXX, requested a statement review and confirmed no charge had been made to my credit card. Once I knew this I asked my wife to cut a check for {$3800.00}, which she did and sent to Best Buy, via check XXXX, on XXXX for account # XXXX.
I continued to receive past due statements that made no sense to me and almost daily phone calls from rude people ( Citibank ) who did not speak audible English. Several attempts for me to call the number on the statements I received led to unreasonably long hold times, being transferred from one person who could hardly speak audible English to another, me having to provide the same information, account number, last four digits of my SS #, date of birth to 5 different people NONE OF WHICH COULD ANSWER MY QUESTIONS such as what is the charges for, how much of the amount on the bill was for merchandise vs interest and so on.
I finally got so fed up with the callers and their rude antics that I asked them to stop calling me. The only answer I ever got from Citibank was that I needed to go to the store where I purchased the merchandise to resolve the issue. That particular store has a phone number and system that does not allow a person to call and speak to someone directly and in fact routes callers with questions such as mine back to Citibank ... .on hole forever, transfer to 4-5 people, asked same questions over and over and absolutely zero answers.
So I went to the Best Buy store and asked for their help. What happened next? The manager at Best Buy ( left her card at home ) called Citibank to resolve the issue. Put on hold, transferred 4-5 times, had to provide same information over and over when finally we go to a lady named XXXX ID # XXXX. The only answer she gave us was that I was supposed to pay {$3800.00} and the check I sent was {$3800.00} ( the exact amount of the bill ( copy I provided the manager at Best Buy and invoice I received ) or a difference of {$27.00}. When the Best Buy manager told XXXX that she had proof in front of her that my receipt and check were both for {$3800.00} XXXX had no answer and said that she could help us. The manager at Best Buy said Mr. XXXX is here to resolve this issue and XXXX said all XXXX XXXX ( me ) could do was file a dispute to the presidential unit XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX.
My bank has called me to tell me my credit score has dropped, I have received two separate letters from my XXXX XXXX credit card, first dropping my credit line to {$15000.00} and then dropping my credit line to {$8000.00}. I feel like I am totally being abused by Citibank for a situation that was a misunderstanding at the best. In hindsight I do realize Best Buy did not charge my credit card when I purchased the {$3800.00} in merchandise but myself, XXXX XXXX and XXXX XXXX all thought they did on XXXX. I do realize by the time I realized my credit card had not been charged it was XXXX until I sent payment. In my opinion I did the best I could given the situation and acted reasonably based on the circumstances. The fact that Citibank has treated me like this and has ruined my credit over this is unacceptable as they try to bully me.
I have no issues with the Best Buy store I purchased the merchandise from, they have tried to resolve this situation and did ultimately honor the 10 % merchandise credit as promised and acknowledged ( again in front of my co-workers ) that Citibank handled this situation poorly as the store manager basically got a taste of himself.
Please let me know what I can do to clear my name and restore my credit. So far a {$27.00} unexplained claim has turned into a {$270.00} invoice and over a 100 point drop in my credit score.
Respectfully, XXXX XXXX
|
| 06/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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CitiBank has failed to verify the information requested. They have not provided proof of signature and have Violated FDCPA LAW we will be filing a lawsuit if they do not remove the account on my Credit Report. XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX : Acct # # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # # XXXX which you claim m I owe {$2700.00}, {$2700.00}, {$1000.00}, {$2700.00}, {$2700.00}, {$1000. 00}, XXXX . By not replying in a timely manner to my initial letter on XX/XX/XXXX , y ou have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you t hat you may be liable f or your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Co llection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violati on of the Fair Credit Repo rting Act ( including but not limited to Section 623-b ) Yo u will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms Unknown Date Opened XX/XX/XXXX Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated XX/XX/XXXX Bal ance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$2700.00} Comments XXXX XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms Unknown Date Opened XX/XX/XXXX Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1000.00} Comments XXXX XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms Unknown Date Open ed XX/XX/XXXX Account S tatus Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Update d XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due A mount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , SD XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$2700.00} XXXX XXXX RSRC CNT Account Number XXXX Account Type Installment Loan Terms Unknown Date Opened XXXX / XXXX / XXXX Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updat ed XX/XX/XXXX Balan ce - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Paym ent - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX Ownership Individual Original Creditor - Company Sold-to - O riginal Amount {$2700.00} XXXX XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms Unknown Date Opened XX/XX/XXXX Ac count Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Update d XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX Ownership Individual Original Creditor - C ompany Sold-to - Original Amount {$1000.00} XXXX XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms Unknown Date Opene d XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Current Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX Ownership Individual Original Creditor - C ompany Sold-to - Original Amount {$2700.00}
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| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Citibank responded to a federal complaint and in their response, provided in accurate and false information. Citibank has refused to acknowledge the fact that my credit card account was closed maliciously and out of retaliation for filing civil and federal complaint for fraud, deceptive sales practices, slander, violations to the fair debt reporting act, consumer credit protection act, fair credit reporting act, Fair and Accurate Credit Transactions Act, truth and lending act, Faircredit billing act, and the credit card act. Also noted is the fact that Citibank has deliberately ignored discriminatory acts And practices exhibited by their representatives. Citibank has refused to investigate and providing false information to consumer protection agencies about the discriminatory acts that have been recorded and retained as evidence. This company has never once contacted me directly to discuss this matter, or to obtain recordings, or evidence that I have maintained of their employees engaged in discriminatory conversations and ask. These are repeated occurrences, with multiple forms of evidence against Citibank at its representatives. They have not conducted an investigation. A complete and thorough investigation would include speaking to the person victimized, and obtaining evidence to support this claim. Citibank has failed on all accounts.
I have on multiple occasions attempted to communicate with this company and demand it to speak with the executive office and representatives from corporate. Not once has this company acknowledged these requests. upon attempting to speak to their collections agency, I was instructed to call Citibank credit card representatives directly to speak to them about this matter. Upon calling and attempting to speak with representatives from Citibank, they refused to communicate and disconnected from the call. I have cellular records, and recorded phone conversations to prove this.
Citibank has violated the Credit reporting act, they have knowingly and intentionally filed false information that has affected my credit score. Never once in my adult life have I been late on a payment to any of my creditors, or on any debt. prior to city banks malicious acts and violations of federal law, my credit standings and scores were excellent. My credit has now been destroyed by these malicious, deliberate and unlawful acts. I have been denied funding, which includes funding for a mortgage and a home, as well as credit cards. This company continues to file false reports to credit agencies destroying my life.
Citibank has slandered my good name, calling me a fraud. They unlawfully held {$16000.00} of my money for over a month. Theyve made false claims that I am not who I say that I am, well I have proven this otherwise. I presented this company with everything from my Social Security card, drivers license, work IDs, Social Security card, birth certificate, even my XXXX high school diploma. As city they continue to call me a fraud, I informed them that I had a credit card with their company that was in good standings and had been a customer for multiple years. As I began to file federal and state complaint on this company, and began to take civil action reference litigation and lawsuits against this company, they maliciously retaliated. This company closed my credit card account and began filing false information to creditors. I have lost nearly XXXX points now from my credit score, which again was excellent prior to these malicious an unlawful acts.
I will be filing additional federal complaints against this company, following up with complaints to the California and Texas attorney Generals office, and there will be at least two civil lawsuits filed against this company. I have retained an attorney, and Citibank is refusing to participate in the legal process. They have received notice of representation, which was sent in a certified letter. My civil attorney advised that they have failed to respond. My lawyers advised that they will be sending one final notice to Citibank and are demanding a response, otherwise civil lawsuits will ensue. We have intentions of contacting members of the media and making this information, the incidents that have occurred, how this customer has been treated available for public consumption.
Citibank has and continues to violate state and federal laws and consumer protection acts. Their response, is completely false. They have not conducted any sort of investigation and they have failed to speak with me directly. They have made no attempt to speak to me. And again, when I have attempted to contact us company, they have refused all communication. I have been locked out of this account and have no access to statements, means for payment, or even a correct balance. The only information that I can retrieve is the fact that this account and my checking account which they accused me of fraud for has been closed. this company is knowingly and intentionally committing criminal offenses and federal violations against their customer. They are knowingly and intentionally submitting information that they know is false, and destroying my life. I have been denied a home because of what they have done. A home that I worked my entire life for, and had the credit score to obtain. Because of Citibanks criminal and malicious X, my life has been destroyed. I will continue to file public and federal complaints against this company and they will be held accountable for what they have done in a civil setting. Lawsuits are being filed against Citibank.
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| 07/09/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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This all started on XX/XX/XXXX.
I have been doing personal banking with Citibank for about 12 years. I started a company in XX/XX/XXXX in XXXX XXXX, CA and after a few years doing my business banking at XXXX XXXX, I moved everything ( personal and business ) under one roof at Citi in XX/XX/XXXX.
My company is a XXXX XXXX XXXX company that primarily XXXX XXXX XXXX. A vast majority of our clients are from XXXX, and more specifically XXXX. We XXXX XXXX for our clients in America ( i.e. we do not XXXX overseas all of our productions are domestically executed ), and these XXXX are almost always for American products being sold in XXXX markets.
We also have done this same type of work for clients from XXXX XXXX, XXXX, and XXXX. From an optics standpoint, I realize that we should expect to face more scrutiny because of our clientele and our country 's not-so-great relations with some of these nations. But nothing about our business is illicit. We are a simple service provider and XXXX XXXX. More on that below.
In XXXX, we did over $ 2m in revenues, with most of that revenue coming from XXXX. During that time, I was able to extend a credit line we had been steadily increasing with Citi to $ XXXX. This was a very important milestone for my cashflow and accounts receivable as the size of our jobs were getting bigger and payments from XXXX can sometimes take months.
Then on XX/XX/XXXX, I see my checking account has been XXXX out ( it had a {$14000.00} balance previously ). I thought someone had entered a branch and fraudulently drawn out our cash, but when I went in to inquire, that was the first time I heard about the Know Your Customer division of Citibank. Without warning, they had shut down my account for lack of compliance, and needed me to fill out forms about my company structure, asking me if I was related to any politicians, etc. I completed all forms and after about a week, they reinstated my account.
Then I was literally served a signature-required notice via XXXX in my office on XX/XX/XXXX in my office. It was another note from the XXXX division, this time stating that there was still more information about the company that was missing, and that they were going to shut down my checking account by XX/XX/XXXX if they didnt hear from me. I contacted my local branch manager and she assisted me in finding out what they wanted. We filled out more forms together, sent them off, and everything seemed to be resolved.
Then on XX/XX/XXXX, I received a notice that my $ XXXX business credit line had unilaterally been shut down ( i.e. to {$0.00} ) on XX/XX/XXXX for unacceptable handling of bank accounts. Then on XX/XX/XXXX, I received a separate notice stating that my PERSONAL checking account was being shut down without listing a reason. The only recourse for all of these was to fax a letter to the XXXX division no email, no phone.
For the past few weeks, my branch manager and I have been trying to reach XXXX to revive the accounts and get them to provide more of an explanation for their reasoning.
I believe that I am unequivocally being discriminated against because of the clientele that I have and the source my money. Im fine to be scrutinized, but it does not seem that they have in any way done due diligence into the nature of my business, nor have they sufficiently given me opportunity to explain my business to them or provide color to our banking activity.
We deal with large sums of money that get dispersed very rapidly ( usually over the course of 30 days ) to many different parties I suspect that is the main issue they are taking. But that is the nature of XXXX XXXX we deal with sometimes hundreds of XXXX and dozens of vendors for EACH job. But every single check, petty cash withdrawal, wire transfer, or other financial transaction is carefully and thoroughly accounted for by detailed bookkeeping with receipts, names, addresses, SSN/EINs, etc. all recorded. Also, I am a single-member LLC. I pay myself through partner draws. Sometimes these draws can be large, especially when I have delayed paying myself while waiting for a client to settle a final payment. Perhaps that also is an issue for them, but again, no line of questions from Citi XXXX or opportunity to explain.
I think its also worth mentioning that we are also a XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, having paid out millions in payroll, pension, and health over the years. Also, in XXXX we were audited by the IRS and they only discovered a few hundred dollars in owed taxes. Suffice it to say, our bookkeeping is very tight and very transparent.
Because I have been asked the question several times in XXXX questionnaires, I am thoroughly aware that they believe I am laundering money for my clients somehow. But the insult of this repeated ( and false ) presumption pales in comparison to the outrageous fact that the XXXX can not be legitimately contacted or reasoned with in any way. The generic customer service lines they leave as a contact point on their notices always lead to a representative providing me with the same fax number to get in touch. There is a complete communication firewall around them, where I only receive threats to provide more information or notices of their decisions ( with almost no explanation ) to shut me down.
In conclusion, at this time, my personal checking account was eliminated, my business line of credit has been frozen, and my business checking account remains open but under continued questioning. I am still trying to revive the accounts today.
Thanks for reading.
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| 07/10/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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Complaint filed on-line with CFPB XX/XX/XXXX I would appreciate if you can expedite this complaint because the company has filed suit against me in court.
This complaint is against XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX, Phone XXXX.
After falling behind in payments on my Home Depot store credit card, my account was transferred to XXXX XXXX law firm, a self-described " debt collector, '' for collection. See XXXX XXXX PA letter, dated XX/XX/XXXX ( Atch 1 ).
I made monthly payments to XXXX from XX/XX/XXXX through XX/XX/XXXX, then I received a letter from XXXX XXXX XXXX XXXX, stating that my account had been transferred to that office. The XXXX letter stated it was from a " debt collector '' ( Atch 2 ).
I was concerned about statements in the XXXX letter, including consideration of my past payments, and responded by letter dated XX/XX/XXXX ( Atch 3 ), expressing my concerns. Receiving no response, I followed up with letter dated XX/XX/XXXX ( Atch 4 ), sent by certified mail, asking for status on their response to my XX/XX/XXXX letter.
I received a letter from XXXX dated XX/XX/XXXX ( Atch 5 ), acknowledging my dispute but it did not respond to my concerns expressed in my XX/XX/XXXX letter, including documents to verify the amount XXXX said I owed. As " verification '' of the amount due on my account, in their letter of XX/XX/XXXX, XXXX sent copies of old Home Depot bills from XX/XX/XXXX through XX/XX/XXXX, but no documentation of the payments ( Atch 6 - sampling of prior payments ) I had made to the previous debt collector, which I specifically requested in my XX/XX/XXXX letter. This response was a clear signal that XXXX was not giving me credit for my payments to the previous debt collector.
On XX/XX/XXXX, I sent another letter asking for response to my XX/XX/XXXX letter ( Atch 7 ). XXXX responded by letter dated XX/XX/XXXX ( Atch 8 ), again ignoring my concerns addressed in my XX/XX/XXXX letter, but simply reiterating their claim that the old Home Depot bills was verification of the debt ; still not recognizing the payments I had made to the previous collector.
Immediately thereafter, on XX/XX/XXXX, a process server delivered a fraudulent suit against me that XXXX had filed XX/XX/XXXX, with no prior warning ( Atch 9 ). Attached to the filing were the same old Home Depot bills, but no reference to the payments I made to the previous collector.
Provisions of the Fair Debt Collection Practices Act ( FDCPA ) that I believe XXXX violated : I -- 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
I believe XXXX filing the suit against me when I am clearing questioning the verification of the amount owed is harassment and abuse.
II -- 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
- - - ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; I believe XXXX 's repeated claims that the old bills verify the amount they say I owe is intentional misrepresentation of the current debt.
III - ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt See comment under ( 2 ) ( A ) above for rationale.
IV -- 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.
Filing a suit against me for this debt while I am actively trying to resolve issues, including the amount remaining on the debt, is unfair, unconscionable and violation of letter and intent of the Fair Debt Collection Practices Act.
V -- 809. Validation of debts ( a ) Notice of debt ; contents - - - ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
The details in my complaint and attachments demonstrate how XXXX violated this provision.
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| 10/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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|
Web |
Older American |
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Today I found out my citibank ( XXXX ) credit card was cancelled by citibank. My husband who travels for work tried using it while out of state and it was declined. Note : it is the only credit card he had with him as a result I had to wire him emergency funds.
As soon as my husband informed me I called Citibank to see what was going on. I had a credit line of {$8000.00}, have never owed more than 20 % of that and typically pay off the entire balance each month, and I have abided by all agreement terms.
A Citi representative informed me that they did a random credit check and due to my high balances with other creditors they closed my Citi credit card without notice. I tried telling them I dont carry high balances on any of my credit cards and I only have a few credit cards which I am aware of. XXXX, XXXX XXXX, Sears and one other I cant recall which bank at this moment.
As far as Citis claim of a RANDOM credit check, that is an untrue statement. I can assure you and if this ever goes to court, I can prove without doubt Citi pulling my credit report information was not random. However, the information the Citi representative provided me with as a result of pulling my XXXX report, alerted me to more unauthorized use of my personal information. I have placed security alerts with XXXX, XXXX and XXXX months ago, including on XX/XX/17 and XX/XX/2017 due to accounts being opened and accessed in my name without my permission. However, and incredibly unscrupulous XXXX has refused to add the Security Freeze or Alert. Get this ; they demand a copy of my drivers license and social security card. Would anyone in their right mind provide any personal documents to them? I have provided them with the identical information I provided to XXXX and XXXX, which was accepted to place security freezes and the information provided matches info. that has been on all my credit reports for over a decade. Additionally, XXXX has no problem using similar information to allow crooks to open accounts in my name. Further and even more absurb, XXXX sends me these letters to my home address the identical address I provided to them denying my request and demanding personal documentation. I even provided XXXX with an affidavit that i am XXXX XXXX and this affidavit was notarized.
To prevent any confusion due to the length of this complaint, here is my specific claim with respect to Citibank The Citi card account ending in XXXX is an unauthorized account, nearly every transaction is unauthorized. I believe this to be an account I did open a few years ago but have not used in a few years. Somehow someone got hold of it, changed information and has been using it for a long time.
My XXXX Citi account is mine and has always been in compliance There is a huge separation between the spending patterns of My XXXX account and the fraud account. Citibank should have recognized this difference Citibank stated the reason my XXXX credit card account was closed is due to high credit limits I have with other creditors and returned payments with the unauthorized Citibank credit card. Therefore, I pulled my credit report and there are numerous accounts I can identify as NOT mine.As I did inform the representative over the phone, I do NOT carry credit limits on the 4 credit accounts that are legally mine. Citibank wrongly closed my XXXX card and are willingly reporting inaccurate information to the credit bureaus.
I have dispute my Citibank account ending in XXXX and the wrongful closure of my XXXX account with XXXX, XXXX and XXXX. Letters being mailed out today.
*Please Note : I have a XXXX XXXX which also affects my XXXX, Citi witnessed my XXXX during our conversation on XX/XX/XXXX. As a result I am not comfortable speaking over the phone. I typically have to see the person ( read lips and facial/body expressions to help me understand sounds ) Otherwise, I have my daughter or husband speak for me. If this is the case I can provide a limited power of attorney. The other alternative is to have all correspondence written, either by email, USPS, XXXX whichever platform Citi prefers In the meantime, I am requesting Citibank follow the law and remove all information on my credit reports with respect the the account ending in XXXX, until after a completed investigation. By removing the reporting of these account to the credit bureaus immediately until an investigation can be completed does not in anyway harm Citibank.
However, not removing this account and closure of XXXX account can and likely will have serious and life changing consequences with me. Most concerning is the fact I could lose my job. My employer monitors our credit and if it is below standard I will be fired. Being in my mid XXXX, the ability to get another similar job would be very difficult. If Citi does not take these precautions it could very well destroy my life.
Further, I will be retaining a law firm to represent me, I am not well versed on the law and need to be sure I am properly represented.
When I filed my request for security freezes with XXXX they informed me there was nothing else i needed to do. Please see following including attachments from XXXX.
XXXX states : NO MORE WORK FOR YOU Once your selected alert is placed on your credit file, we will forward your alert request to XXXX and XXXX so you do n't need to contact each of them separately.
XXXX giving people runaround when trying to get copies or freeze their credit report.
XXXX XXXX XXXX XXXX Tens of thousands have trouble freezing their credit report with XXXX XXXX XXXX XXXX
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| 04/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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The problem is that Citibank has been double charging my minimum payment in addition to large bulk payments that I make on top of the minimum payments due each month. This has been going on for several months since XX/XX/XXXX.
Since I was constantly paying large lump sums to the Citibank Advantage card in addition to the minimum payments ( and since I have 3 other citibank accounts that were also being paid through auto-payment ) I did not realize this double billing was happening until XX/XX/XXXX.
The Citibank advantage card has been taking double the amount owed for the minimum payment since XX/XX/XXXX. I reported this huge problem in XX/XX/XXXXwhen I was double billed for a large payment, then in XX/XX/XXXX I was billed TWICE for a payment of {$4100.00}.
Since almost {$10000.00} CASH was suddenly missing from my bank accounts, I panicked and when I looked through all my transactions on both my XXXX BusinessChecking account and the Citibank Personal Checking account, I saw that the payments were doubled.
I have a supporting spreadsheet which details all of these charges with the amounts & dates and which bank accounts have been charged the two minimum payments, even though I was only aware and only authorized ONE minimum payment be charged each month.
Several times I have told Citibank this was an issue and to fix the problem. They keep saying they are going to, or they are NOT responsible, and the double payments keep being debited form my checking accounts. I tried to skip a payment ( thinking that would help alleviate the issue of getting double debited ) but the one time I did, I got a warning that my payment had NOT been made. So I ended up paying a large lump sum of {$2000.00} to the card, in addition to the double minimum payments due. This is because I am now worried it will affect my credit if I DON'T make a large payment.
Last month, like every month since XX/XX/XXXX, I called Citibank and told them to fix the problem. They transferred me 4 times, and different departments kept telling me they could not address my issue.
Finally I got someone whom I told the entire issue to AGAIN -- and he and I went over the every single double payment charge that I was double billed for, confirming the amount and the date and the credit card the double payment was sent to, on the phone.
This customer service rep the PROMISED me that **CitiCards would be refunding me in full for over {$16000.00} of unauthorized charges. This was to refund me for the EXTRA {$2500.00} I had been billed for unauthorized double/duplicate minimum payments for my CITI THANK YOU credit card. I was told I would get that credited back to my XXXX business account within 2-5 business days. It finally came into my XXXX business account on XX/XX/XXXX.
However, the CITI AADVANTAGE Credit Card ALSO had {$13000.00} of duplicate, unauthorized extra minimum payment charges that were debited from my XXXX Business Checking Account. **I HAVE NOT GOTTEN ANY OF THAT BACK. ** The duplicate/double minimum payment that I DID NOT AUTHORIZE and for which I CAN NOT STOP THE PAYMENT comes directly out of my checking account and is marked as an ACH debit.
That means that CITICARDS is apparently withdrawing an automatically generated check from my bank account with a number but not my original signature. They say that this is authorized every month on a pay by phone option which makes no sense -- I am not getting on a phone to authorize anything and I'm not writing out a check.
CHASE Business checking has recently told me that this is technically CHECK FRAUD.
This is because they are taking a double payment that comes to them in the form of a check -- but that is an " automatic ACH DEBIT in the form of a check which XXXX itself can not stop, nor can I.
I have told XXXX business checking over and over that I need their help stopping these extra payments via ACH debit. But XXXX has confirmed that they have no control over these ACH DEBITS -- they keep telling me that Citibank must stop pulling these payments out in addition to the auto pay payments that I do see online. But this is where I am getting the run-around : Every time I have talked to Citibank they either tell me that XXXX is the one to blame or that they will stop taking the second ACH Debit payment -- but they havent stopped or fixed the problem. Every time I call, they have a different excuse. One time it was that the Collections department said I had to go through XXXX. The last time I called, they said " The collecitons department that set the payment up, and who is apparently actually able to stop the extra payment is not here right now. '' The terrible thing is that my life savings is running out fast ; I'm unemployed and need this money desperately to pay my mortgage and stay afloat on my other payments.
Here are a list of the duplicate minimum payment amounts and dates that they have double charged me ; I included large bulk payments as well so that you can see that I am paying well over the minimum amount due as it is before the double payment is taken : DOUBLE / DUPLICATE MINIMUM PAYMENTS TAKEN by CITIBANK Advantage XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX TOTAL REFUND due = {$13000.00} to my XXXX Business Banking due to UNAUTHORIZED DOUBLE minimum payments that I **DID NOT AUTHORIZE**
|
| 12/10/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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My name is XXXX XXXX I would like to inform you today XXXX XXXX the XXXX at XXXX PM.. For the last week I have been on the phone with citibank with XXXX bank XXXX XXXX with my account pacifically yeah specifically my accelerated savings account ending in XXXX. I called on Monday because there was an issue with a transfer that was supposed to go to my checking checking account not to my credit card. When I tried to take and talk to the representative the 1st time their automated system was very adamant and doing it herself we went back-and-forth for at least 2 or 3 minutes trying to get ahold of a representative but she proceeded to try to help me after I pacifically said representative representative. So whenever I took and just gave in and let her do the transfer.. I asked her to take and transfer {$4000.00} to my checking account. She did not transfer the funds to the checking account instead she transferred it to the credit card. Now the credit card does not have a {$4000.00} balance on it's on it so to me if it doesn't have a {$4000.00} balance on it the system should have kicked it back saying that you only have a certain amount on your balance like all of my other credit cards do. So I kept telling her no no no And it still went through.. So after about 5 minutes of me asking for a representative pressing 0 repeatedly it took me to cut her out in order for her to be able to understand to transfer me to a representative. Now by this time I am beyond XXXX off I'm XXXX off. So I explained what happened with the gentleman. He then told me that he could not do anything until the transfer went through. He told me to take and call band call back tomorrow on the 7th to to get it reversed it reversed and to put into my checking account. So I asked him several times and confirmed that it would be able to be done tomorrow He assured me that it would be able to be done tomorrow. So I called back on the next day and was transferred to someone in the credit card department they initiated the refund to go back to my account. In the process of this the young lady told me that she would put an escalation on it to be able to get the fines in a reasonable time. She then transferred me back to the banking side of citibank. She said that the banking side might be able to get the transfer done yesterday 's faster.. I said OK that's fine so I went back to the banking side and was put on hold. When a representative did come on I explained what had happened and they said OK well there's nothing we can do about it. It takes 10th to 14 business days in order for it to be transferred to your account. I proceeded to tell them that's a little way too long. For money to be transferred to a be transferred to a verified account. By this time I'm beyond XXXX off. I proceeded to ask for a supervisor because someone should be able to do something higher up you would think. I waited for the supervisor to come on the line and she was absolutely no help her name which I got today was named XXXX. XXXX was supposed to have her XXXX taken give me a call back in a few hours so that I could see if they can fix it because of it being management you would think that they would have the authority to be able to fix an issue. I have yet to get a phone call from a manager and today is the XXXX and this happened on this happened on the XXXX. So I waited for a few hours and then I called back to speak to a manager.. In the process of that at I went ahead and decided to close my account and transfer the remaining balance to my checking account. I had a representative on the phone to make sure that everything was supposed to be done correctly so that transfer would go through without any delays or complications. She then proceeded to tell me that it would take up to 3 business days rebusiness days. Because it was over {$50.00}. That is the most absurd standard of practice that they have. When some people make transfers out of their savings it isn't just {$50.00} not only that they don't just transfer money out unless it's an emergency. I then make sure that whenever I was talking to her that the transfer would be completed by Friday. Is unfortunately today I was told by an supervisor that the funds would not be available until the XXXX. That once again I have been lied to. This is an ongoing issue with this institution. Not only that they have is that they have unreasonable amounts of time for time for funds to be transferred to a verified account in which that I own. I could understand if it was to a unknown account that my account that money has not been transferred from. It's to be a little bit longer however however 10 to 14 business days that is ridiculous.. Something needs to be done about this that is an unreasonable amount of time for someone to be able to take and get funds transfer to their account. Not only that now I have a crude it's crude overdraft fees because of this whole entire situation. Also I was refused employee ID numbers which they normally give out because they don't want people to know their customer service representatives full name. Also whenever I asked for the gentleman 's name that I spoke to on the XXXX she proceeded to tell me that she didn't know who accessed my account and that I was talking to. Also the representative named XXXX never put in a request for a manager to take and give me a call about what had happened on the XXXX. It is a repeated issue that there customer representatives do not either know what their processes and procedures are or they did not take and train them.
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| 07/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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This is a general complaint about the deceptive interest charges and misleading information from Citi reps regarding a 0 % balance transfer on a Citi Double Cash Card.
During the pandemic I lost my work and was looking for ways of holding on to cash reserves. I was offered a 0 % balance transfer on this card. I looked into the terms and straight away I realized that it is in fact 3 % interest paid as an up-front " fee '', which is deceptive at best. In this case I decided that it was acceptable.
I read the fine print that stated that if you continue to use the card in any way, that there is no interest free grace period on new purchases and you will also be charged interest on the balance transfer. To me this sounded absurd, so I thought I must have misunderstood it.
I should have just taken that on face value and moved on, but I called Citi to confirm the language. I was told by the rep that the monthly statement would break out the purchases vs balance transfer along with what interest was applicable on each, and as long as I paid for the purchases within the statement cycle that I would not be charged interest.
Band on this information, I went ahead with the transfer for the amount {$1600.00} and I made purchases for {$280.00}. I received my first statement in XXXX and it said I had no interest charge on either balances or purchases. It said there was a balance subject to interest of {$300.00}, and in the column next to it there was zero interest charged. I paid the full {$300.00} as I assumed that to be the balance I should pay to avoid an interest charge according to what the Citi rep told me before and according to the statement itself.
On my next statement I had {$390.00} in new charges and I was charged {$3.00} interest from the previous month. I called Citi for clarification and they waived the interest. The new statement said " balance subject to interest '' was {$280.00} which I now realize months later when reviewing the statements again, was for the first month 's statement plus interest charged ( $ XXXX+ {$3.00} ) - not for the current billing cycle. At the time I used this information to work out what I thought my payment should be. This was because of what the first Citi rep said about the way the balance was broken out on the statement, before I even took the balance transfer offer. On the current call, I asked them what amount I was meant to pay to avoid an interest charge for the new statement cycle, in the same way as with every other credit card I've ever had. The Citi rep needed to do a calculation that took a few minutes. The amount was $ XXXX which I promptly paid rounded up to {$830.00}. I did not know why this figure was so hard to calculate and why it was not on the statement. Inhindsight I can see that it was all the current statement charges plus the latest charges before the new statement was issued.
When I got the next month 's statement for {$440.00} new purchases ( 98 % already paid ), I had been charged interest again despite what the Citi rep told me each time. This time I was charged {$6.00} interest on standard purchases. I called Citi again and explained that I was assured that the last balance I paid meant I would not be charged interest. This rep was the first person to say, months later, " there is no interest free grace period on purchases with this card '' ( I believe that is only the case with balance transfers ). If I had been told this clear language right form the start when I spoke to Citi then I could have made an informed decision and to be honest it doesnt contradict what I read in the terms and conditions. Although it would have been more clear if the terms and condition specifically said there was no 30 day interest free grace period.
I have never heard of a card like this with no 30 day grade period. As of now I'm no longer actively using the card until I've paid off the balance transfer, then I will close the card. Although the interest I've paid is not that much, it's despite my best efforts to comply. Ive been charged interest again because I forgot to cancel a recurring payment, but as of now the card will remain dormant until the balance transfer is paid off.
In summary, for monthly ( not annual ) charges in a historically low interest rate environment, I was charged 1.2 % interest on purchases in the first month and 1.7 % in the second month, which pretty much cancels out the 2 % cash back benefit touted by this card. The next month I also received a XXXX minimum interest charge on a {$10.00} recurring purchase I forgot to cancel, which works out at 4.8 %.
I believe that the sum of this behavior by Citi is predatory and deceptive, especially during a pandemic. They get their pound of flesh up front with a guaranteed 3 % immediately on the full initial balance transfer, a decent return for them considering Fed interest rates are currently zero. And then they continue to nickel and dime customers from that point on, by obfuscating information for interest charges and payoff figures on the statement.
On top of that, the Citi reps do not generally appear informed on exactly how the interest charges work, and the story shifts depending on who you speak to. There are others who are more financially vulnerable than me who would be utilizing these card to a greater degree and be more reliant on them. They would probably not expend as much effort as I have digging into what is going on with the charges, and those are the people Im more concerned about rather that my own individual experience.
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| 09/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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FOR CFPB : The previous complaint was closed, reason : The CFPB closed this complaint because it has already processed your earlier complaints about this problem.
However, I HAD NOT submitted the complaint before and I CALLED THE CFPB to have them resolve this issue... DO NOT Close this complaint as having been submitted/processed before, This is the FIRST TIME the CFPB is hearing about it.
XXXX XXXX XXXX XXXX MY MESSAGE TO THE COMPANY WHO OVERCHARGED ME ABOUT THE DISCLAIMER, THEY THINK MAKES IT OK TO VIOLATE FEDERAL LAW BY DECEPTIVELY, UNFAIRLY, AND MISLEADINGLY ADVERTISING IN A WAY THAT MONETARILY BENEFITS THEM AND IS 100 % FALSE, KNOWINGLY DOING SO.
Sent to their email support " That statement does not allow you to violate federal regulations on advertising. The issue I had is with your company 's listings, you list the product as XXXX pieces and XXXX, 100 % of the product I received of XXXX was XXXX pieces and XXXX lbs. It is obvious the marketing is deceptive, your company is aware as it tracks daily what is being sent out and has a responsibility to try to provide accurate estimates so that 100 % of the product your customers receive is not [ not ] as described.
" Under the law, claims in advertisements must be truthful, can not be deceptive or unfair, and must be evidence-based. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Knowingly supplying false evidence [ listings ] to customers is a crime, your company profited from doing so, you haven't updated your listing and you are continuing to keep my money after the offense. '' ******************************************************************* This is a report of deceptive business practices by XXXX XXXX XXXX for my financial institution as well as for the FTC. This in relation to the following charge on my Citi Card XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX points {$2400.00} I contacted XXXX XXXX XXXX to inform them that they charged me over 55 % more for a single item, of which I ordered approx. XXXX of, instead I received XXXX, almost XXXX more. To begin please note XXXX XXXX XXXX has a disclaimer that individual products weight is based on estimates. Unfortunately this does not make the practices they are engaged in legal for a number of reasons. First and foremost, the XXXX XXXX employee asked me where it says they sent and charged me for XXXX of food was on my order page, it was nowhere because XXXX XXXX does not disclose this... This is despite them accurately calculating it in my total, despite the range of weights for the specific products I received generally being accurate ( see picture XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). That means that despite XXXX XXXX grossly over-sending me product, which they obviously measured, and knowing how much they send out, they DO NOT display this in a manner customers can easily and quickly find. Customers have to look at all the labels on the products, in this case XXXX different pieces, calculate the weight, THEN calculate the weight of ALL OTHER ITEMS to cross reference the total amount charged. Just to find AND CHECK that correct charges have been levied for a single item. Once again XXXX XXXX has this data and chooses not to display it, when confronted the XXXX XXXX employee whose COMPANY HAS THIS DATA questioned where I got it from, requiring me to explain to her how I knew. This generally would not be an issue since it may be covered by their disclaimer claiming meat weights are estimates, that would be if the average weight of XXXX products totaling XXXX wasn't XXXX. In addition to this discrepancy XXXX XXXX ALREADY KNOWS the weight of the meat they are sending out as it was accurately displayed on my order sheet after I had paid and pieces of meat collected... However, despite once again knowing this information XXXX XXXX chose to publish the listing for this meat saying it was simply ( see picture XXXX ) " XXXX Pieces | approx. XXXX ''. Not a single piece of the meat items I received had XXXX pieces, all had XXXX pieces and were significantly heavier than XXXX by at least approx. half a lb. This all adds up to mean XXXXXXXX XXXX XXXXXXXX, knows what meat items that are sending out and they are close to XXXX in weight and contain almost exclusively XXXX pieces. They market this item as " XXXX Pieces | approx. XXXX '' despite this. Then despite them knowing how much they sent you in weight, they choose not to provide customers any of this information on order pages ( see picture XXXX ), so customers have to calculate the weight and charges of EVERY SINGLE ITEM in the order and XXXX cross reference their numbers with XXXX XXXX This clearly meets the standard for deceptive business practices, despite me informing XXXX XXXX of this and requesting a refund of the approx. {$100.00} overcharge for a 55 % + ( XXXX ) of extra meat they sent me on an XXXX order they have neither refunded me nor contacted me within the XXXX hours I gave them. Their disclaimer, nor any others does not cover illegal and deceptive business practices, I run a multi-million dollar business, and I know XXXX XXXX will make vastly more money on this than they will have people fight back. Under no uncertain terms, I WILL NOT PAY FOR THIS EXTRA CHARGE. Any financial institution that attempts to collect any debt attached to this will find themselves facing legal action and I will report it to applicable government regulators and law enforcement.
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| 01/22/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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This is in relation to my dispute number XXXX filed with Citibank on XX/XX/XXXX for 23 unauthorized transactions, totaling {$2200.00} made between XX/XX/XXXX and XX/XX/XXXX on a lost/stolen Citibank debit card. The transactions were reported to Citibank on XX/XX/XXXX XXXX CT, within 10 mins of learning about the transactions from a Citibank text alert at XXXX CT. Full details of the timeline below.
I received a physical letter from Citibank dt. XX/XX/XXXX informing me that I am responsible for all the transactions. I have since made three attempts to follow up on this case over Citibank service numbers ( provided in the communications ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have not received any additional details. Continuing this effort, I am hereby requesting the team via this fax message to re-open the case and review the information again. In addition, please include in the investigation two other unauthorized transactions on the same card, which were posted on my account on XX/XX/XXXX ( details in the timeline below ), bringing the total number of unauthorized transactions on the lost/stolen debit card to 25, totaling {$2300.00}.
Full timeline of events around dispute number XXXX, reported by XXXX XXXX XX/XX/XXXX, XXXX CT - I received a text message from Citibank checking whether I made a transaction on my Citi Debit card on XXXX. I immediately replied No and realized that my wallet had likely been lost/stolen. I had not realized this loss till that point, since I use my debit card only for withdrawing cash and primarily rely on XXXX XXXX for any credit card transactions. Both these facts can be verified on my statements. I checked the account linked with debit card to find 22 unauthorized transactions posted on the account and 1 pending transaction all made on XXXX ( which does not require a PIN ) using my lost debit card between XX/XX/XXXX and XX/XX/XXXX.
XX/XX/XXXX, XXXX CT - I called Citi Fraud Dept XXXX on XXXX ( per instructions in the aforementioned text message ) to report the loss of my card and the unauthorized transactions. I identified all 23 transactions for {$2200.00} ( including the pending transaction for {$130.00} ), was provided the dispute number XXXX and was informed that a new card would be dispatched.
Nov 22-23 2021 - Even after reporting the loss of the debit card, the aforementioned pending {$130.00} transaction posted on my account linked to Debit card, in addition to two other transactions ( also using debit card on XXXX ) bringing the total to 25 fraudulent transactions and {$2300.00} stolen from my account.
XX/XX/XXXX ( Can not the recall exact date ) - I found the physical letter from Citibank dt. XX/XX/XXXX indicating that you are responsible for the charge ( s ). This letter was addressed to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, which was my previous address, which has since been updated on my account.
XX/XX/XXXX XXXX CT - I called XXXX ( per instructions provided in the letter dt. XX/XX/XXXX ), and after 44 minutes, was told on a recorded line that the detailed report of the investigation will be sent to me via physical mail as well as the secure message center on my Citi account.
XX/XX/XXXX - In order to explore additional avenues to address the unauthorized charges, I filed a report with the XXXX police department ( report number - XXXX ) with my best guess of when and where the card may have been lost/stolen, along with details of my conversation with Citibank about the {$2200.00} worth in unauthorized debit card transactions.
XX/XX/XXXX XXXX CT - Since I had not received any of the documents I was promised on XX/XX/XXXX, I called XXXX ( same Citibank call center as XX/XX/XXXX ) and after 42 mins was told on a recorded line, that the systems were undergoing maintenance and you should call back later or fax the fraud team on XXXX for details.
XX/XX/XXXX XXXX CT - I called back to XXXX ( per XX/XX/XXXX text message ), and after 40 mins, was told on a recorded line, that the systems were undergoing maintenance and you should call back after XXXX ET on XX/XX/XXXX or fax the fraud team on XXXX for further investigation.
XX/XX/XXXX - Sent a fax message with full details of the fraudulent transactions, along with two new transactions mentioned above that happened after the original report on XX/XX/XXXX, requesting them to re-open the case/ Requested resolution I believe I am protected from being liable for the whole amount under the Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ), considering : - I reported all transactions as well as the loss of my debit card within 10 mins of realizing/learning about the transactions on XX/XX/XXXX ( please see full timeline below )- All transactions were made on a lost/stolen debit card on an online channel that does not require the use of a PIN- I have since continued to follow up on this investigation through various channels including three phone calls to Citibank and a XXXX Police department report XXXX and dt. XX/XX/XXXX.
Per these protections, I believe my liability should be limited to {$50.00} ( for cases reported within 2 business days after you learn about the loss or theft ). I request Citibank to return a minimum of {$2200.00} ( total unauthorized value less {$50.00} ) to the checking account at the earliest. I also request that any communication be made via phone call and secure messaging on Citibank, in addition to being sent over physical mail to current address on my account ( also mentioned in my signature below )
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| 09/09/2020 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Hello, Last year, I opened up an account with Citibank for their Citibank Priority Package with includes a {$600.00} bonus when you sign up and deposit {$50000.00} in the first 30 days of the account. I then would have to hold the money in the account for 60 days before I could qualify.
When I learned about this, I signed up online on XX/XX/XXXX. There was additional documentation that was needed from me before I would become eligible. I then received an email saying that it would take a few days before I found out whether or not I qualified.
I never received this email confirming my account had opened, but eventually, I was able to sign up for online access on XX/XX/XXXX. I went onto the website to go fund the account, unfortunately, the Citibank website told me that I was not able to fund the account until I activated my bank account which I can do when I receive my debit card. So ONE MONTH later, AFTER the initial " opening '' of my account, I received my card in the mail. And I went online to go fund my account.
However, before doing this, I called twice to double check with representatives whether or not I would qualify for the bonus because this is {$50000.00}. It's a lot of money and I wanted to be sure I qualified before transferring this lump sum. I spoke with the representatives and they looked over my qualifications. I did everything correctly. Funded my account before the 30 days of my opening the account. And so with that reassurance, I transferred the money. I then called again after the transfer to make sure everything was okay and that I still qualified. Again, ANOTHER representative told me that I did.
I also double-checked by calling to see if I still qualified for the online bonus because the conditions were that I open both a Checkings and Savings account with Citi, but my Checkings account closed because I placed all the money in my Savings account. Again, I was reassured that this would not affect my cash bonus by Citi.
So after 60 days of me funding the account, on XX/XX/XXXX, I check my account and realized I never received the bonus. So again, I called Citi to confirm that I would be getting the bonus. Actually, I don't receive the money immediately after the 60 days. In fact, I get the money later but once again, I was reassured I would be receiving the money. This time, they even gave me a date on when to expect the money.
I was told to expect the money in my account on XX/XX/XXXX. So I set it on my calendar and waited. So XX/XX/XXXX came. Again, no money. So I call. And again, they said I would receive the bonus, but this time, I'd have to wait till XX/XX/XXXX. Again, I was reassured that I would receive the bonus as did all the other representatives. Only this time, the representative told me I no longer need to hold the {$50000.00} in my Citibank account anymore. So I transfer {$45000.00} out of the account since I wasn't loving the convenience of Citibank. I moved it over to another account on XX/XX/XXXX to my XXXX XXXX XXXX account and I have emails to prove it.
So I wait till XX/XX/XXXX, and eventually in XXXX, I call. This time, for the FIRST TIME EVER, I learn that I never qualified for the bonus. I was in absolute shock, and they told me I never funded the account in 30 days. It was shocking so I asked them to submit a dispute for me which they did.
It was declined. So I called again, this time with information that it was impossible for me to fund the account within the opening of the first 30 days because there isn't any way to access my account without my debit card which didn't arrive until after the 30 days was up. The representative on the phone agreed with me and made notes to their " backoffice '' that processes these claims. The representative mentioned that if Citi employees had told me that I would receive the bonus, then I would be able to get it.
Again, dispute was denied.
So I call again. This time I filed another dispute and spoke with the people who opened the account so I could add additional information from the dispute and it's been the same story over and over again. I never qualified because I didn't " fund '' an account I was never able to access. Apparently, I was supposed to ignore the message on their online website that said to wait before I fund the account, and speak to a representative in order to give bank information to transfer {$50000.00} over.
I also double-checked with multiple Citi employees before I funded the account to ensure I qualified for the bonus, and every time, I was told I would. I checked before funding, then after funding. Had there been any employee who brought up the fact that I didn't qualify, then I would never have had an issue. But not only was I reassured, I also wasn't able to fund the account without finding ways to work around a system designed to stop me from getting a bonus. All in all, I've gone through at least 9 hours on the phone with Citi and had they truly investigated what I was disputing and pulled up any one of the countless phone calls I had with their representatives who assured me I would receive my {$600.00} bonus then I wouldn't be as livid.
Please help me with this situation because it has been an ongoing nightmare of reassurances and constantly moving benchmarks of how I would " qualify '' for a bonus Citibank never had the intention of giving to me. Not only was this something that happened to me, but upon looking at their XXXX page, it seems Citi has pulled a similar move with countless other clients of theirs as well.
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| 06/16/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Older American |
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Resubmitted REVISION Unable to find previous submission Reason for dispute : At 68 years of age with a XXXX score of XXXX this is the only account that I have any problem with on any credit report. Lack of availability of adequate available dispute resolution and deletion of my account data has left me unable to dispute this complaint with Sears.
The five-month long account payment history is a product of erroneous billing and accounting and different summary data reporting to the different credit agencies. Coincidentally all of this has occurred during the Sears bankruptcy resulting in the unavailability of Sears customer service personnel to resolve any dispute. The credit agencies state I must file a dispute with Sears. However, that has been impossible. Even the XXXX XXXX XXXX report simply lists Sears as Out of Business.
I have found that Sears accounting errors were followed by the erroneous reporting to the credit bureaus which was then followed by deletion of my entire account data and personal information. In addition, it has remained impossible to contact Sears Customer Service to file a despite with.
XXXX XXXXThis account originated as an in-store credit card granted at the time of a {$27.00} purchase. It was opened during Sears bankruptcy which in retrospect maybe I should have known better.
The account was set up to automatically pay off the monthly balance from my bank account. Attachments showing that the monthly payment is documented as a Scheduled Payment, however no automatic payments were requested or made. After I received an email XX/XX/XXXX and stating that my account was overdue, I again went online to again configure the account to insure it paid automatically as all my accounts do. But apparently this did not work again.
XX/XX/XXXX After receiving another email stating delinquency on XX/XX/XXXX Subsequent multiple phone calls with hours spent waiting on hold resulted in only one documented contact with personnel on XX/XX/XXXX for resolution.
Although Sears customer service agent apologized, he could not explain why automatic payment had not paid the monthly balance. He stated that with paying off the entire {$200.00} balance and closing the account would resolve the matter and it would not show up on my credit reports. However, instead Sears reported inconsistent and differing facts which now shows late payments but with two or three different late payments in different time frames sent to three different credit agencies. See attached XXXX compared to XXXX XXXX reports.
Accounts show SEARS/CBNA ( CLOSED ), Account Status PAYS_AS_AGREED, however : XXXX XXXX XXXXand XXXX shows XXXX balance due XXXX and XX/XX/XXXX when payments were allegedly late at the same time 30 and 60 days but no due amounts are listed. In XX/XX/XXXX and all of XXXX it shows XXXX balance with no payments late.
In contrast, XXXX is different and shows 30- and 60-day late payments in XXXX and XXXX but in XX/XX/XXXX the balance of XXXX and no lateness is noted. However, the next month of XX/XX/XXXX the XXXX account was noted as now being 90 days late when the balance was XXXX for second month in a row. How does that happen?
Sears then DELETED MY ACCOUNT, ACCOUNT HISTORY and PERSONAL INFORMATION and all traces of these transactions prohibiting any dispute resolution. Since the XXXX call I have only been able to sign into my account which now only contains my first name and email address ( attached ). All my account history has been deleted. There is no way to dispute anything now. Was that done to cover up all these errors? This is despite my having had good credit with Sears on and off for 50 years XXXX Yet again I spent multiple phone calls and 2 hours on hold attempting to contact a live body through normal Sears customer service phone number to once again query and resolve this dispute without success. That has not changed. I would invite anyone to attempt to contact a live body at Sears yourself. I challenge anyone reading this letter to call Sears customer service and attempt to contact a live person XXXX XXXX XXXX XXXX.
Additionally, any attempt to settle this with the help of the XXXX XXXX XXXX proved to be useless as Sears is still currently in bankruptcy and controlled by a holding company. Attached XXXX XXXX XXXX rating shows that the rating is either A+ or In Bankruptcy.
In summary, there is no possible way of sorting this out when no one can contact Customer Service after repetitively being on hold for hours. The single customer service personnel that I was able to talk to in the last year could not understand it himself. Being unable to talk to customer personnel again about my account that has been completely deleted simply makes this is a dispute that can not be resolved no matter what I do.
I doubt I am the only customer with this experience with Sears during the chaos of its bankruptcy. Because I have no opportunity to fairly dispute my account that has been deleted by a Customer Service that is unreachable. I am requesting this inconsistent and erroneous information be removed from all three credit bureaus. I have never had the opportunity to fairly address these errors or formally file a dispute.
I will get unfairly penalized for actions that I could not have been responsible for or resolve. My credit score should not be lowered because Sears is in bankruptcy and the billing department is in disarray and unavailable to the public, and when I am not able to contact anybody about an account history that has been deleted.
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| 11/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
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PLEASE READ IN ENTIRETY On XX/XX/2019, Citibank canceled my credit card accounts without any prior warning. When I called Citibank Customer Service to inquiry why, they will not tell me why they canceled my credit card accounts. The Customer Service Representative stated that the bank closed the credit card accounts. When I asked Customer Service Citibank to reopen the accounts, they refused. Also, Citibank Customer Service refused to give me the phone number of the Citibank Executive Office. I then asked Citibank Customer Service for my rewards points and rewards coupon and they refused stating that they were forfeited when the account was closed. I said that I did not close the account, Citibank did. Citibank Customer Service stated that it did not matter. I stated that they can not cease my rewards points and I will be filing a complaint with Visa, Costco, the CFPB and CA Attorney General. Citibank Customer Service did not care.
On XX/XX/2019, I received a letter from Citibank stating that my accounts were closed because I misled them on one or more disputes. I immediately called Citibank Customer Service and asked to speak with a Manager in order to discuss this matter with them. I spoke with a supervisor named XXXX and wanted to try and see if we can get this situation resolved before I take any action with Visa, Costco, the CFPB and CA Attorney General. Citibank Customer Service did not care. XXXX refused to help. I informed XXXX that the statement that is in the letter is an outright lie because I did not mislead anyone on any dispute. I then stated that I deem the Citibank Account Closure Letter to be defamation of character and this letter will be shown to the proper authorities, such as the Consumer Finance Protection Bureau, the California Attorney General, Costco and Visa. I also stated that I do not appreciate any insinuations that I've done anything wrong. I further stated that I do not appreciate my account being closed without consulting me first. I told XXXX that I have not misled anyone nor have I provided any misinformation to anyone.
This libelist statement is a outright discrimination on the part of Citibank and I will take action against this. I then stated to XXXX that I demand that my points be returned to me in the form of a gift certificate or a check and my Costco rewards be issued to me in the form of a check payable to me. I finished the conversation by stating that if these points and rewards are not issued back to me effective immediately, I will take legal action against Citibank for discrimination, defamation of character, intentional infliction of emotional distress, theft of my reward points balances since there is actual money that is owed to me, and libel. I finished the conversation with XXXX stating I would also be filing complaints for destroying my credit history, since Citibank notified the Credit Reporting Agencies. At this point, what Citibank has done is bordering on several violations of the banking regulations. I no longer care if they reinstate the accounts. I do not want to ever deal with Citibank after this incident, but I do want the rewards dollars and monies that I earned and are owed to me in the form of my rewards ( {$120.00} in Costco Rebate Visa and XXXX Thank You Rewards Points. ) Now, as of XX/XX/2019, Citbank continues to accuse me of being less than honest with them, which is not true. I have in both honest and straightforward with Citibank. I attempted to return the merchandise to XXXX XXXX XXXX and they refuse to take it back hence why I opened the dispute. I attempted to take back the broken item to XXXX 's and they refused to take it back stating that I needed to take it up with the manufacturer. Which is why I opened the dispute. I noticed that neither one of the companies supplied any information or evidence contradicting what I said. All they showed Citibank was copies of the register receipts. That does not negate what I've been saying all along and clearly does not constitute allegations of dishonesty. Clearly, Citibank is defaming my character and credibility, which I intend to take action against.
Also, as of XX/XX/2019, I have never been supplied with any terms and conditions agreement, as Citibank claims that they have complied with. I now ask that they please provide a SIGNED copy of the terms and conditions with my signature on it. Absent that piece of evidence, they have no legal right to withhold my earned rewards.
Citibank has to understand that just because something is written in a document does not mean it is legal. Thus, I'm contesting the legality of their terms and conditions, even though I have never seen the term and conditions agreement.
I plan on filing complaints with multiple agencies and the possibly seeking legal action to recover the {$120.00} plus the {$64.00} that they have illegally taken from me with no justifiable explanation other than that fact that I forfeited the rewards when they canceled my credit card. Citibank has to understand that they've never shown me any proof that the terms and conditions state this fact and they've never show me any proof that this is legal. At this time, I also reserving the right to file a civil complaint for discrimination, defamation of character and liable.
All this can be rectified if Citbank just issues the rewards that I have earned. I guarantee that if I file a civil complaint for discrimination, defamation of character and liable, that the legal fees for Citibank will far exceed the {$120.00} and {$64.00}.
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| 09/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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Email sent to : XXXX consumer complaints XXXX My name is XXXX XXXX and I am a Citi Secured MC account holders ending XXXX. My complaint I believe should be looked at and evaluated carefully because of mistakes and errors made on part of not only your representatives but also your application/or system as your own representatives like to blame but not explain. My account was opened ending XXXX early XX/XX/2019 and only a short few months and Ive had nothing but bad experiences with your bank, please note I am a consumer who is well aware of my rights and will also be forwarding a copy of this letter to the XXXX, FTC, Federal Reserve, Consumer Protection Financial Bureau and any other entity that will assist me in understanding your banks right to close my account. I believe I have more than enough evidence to provide upon outcome of this inquiry for me to get answeres straight out and not by your rude, representatives I have ever come across with any company.
First off, let me begin within less than a month after my checking account had already been verified I was having issues where I made a payment to pay balance in full and payment was held almost 20 days until the credit reflected as available credit on my account, granted I understand your bank takes these precautions against fraud but remember this account was a SECURED account that I had already left a secured deposit in the amount of {$400.00} which was also my credit limit. Upon becoming a little irate as to why this payment was going to take so long to reflect on my master card account I did mention after calling customer service line closing this account but when I was told it would take 90 days ( 3months ) before I would get any of my deposit back I had to question the representatives knowledge of the secured MasterCard and asked to speak to her supervisor, I was put on hold for over 45 minutes and then what do you know the call automatically disconnected or as the term goes call dropped the next day after receiving notification via text, email, and credit bureau alerts come to find that agent had closed my account with out my authorization.
I had to then contact a supervisor who then informed me I had to wait 7-10 business days for an investigation to see if I could have this account re opened well after about 2 weeks and no call, or correspondence from CitiBank I checked the app online and what do you know the account a day before had been reopened which should have cause I never requested it to be closed.
After this closure took place Ive had already been more unpleasant experience with your bank, autopay was setup but account number your bank had was incorrect and when attempting to pull the payment it was being kicked back. Now although not my fault and have correspondence from my bank backing this explanation up ... I would take the initiative to not only call your bank asap but I would make the payment via my debit card and would beg the representative to make proper notation on the account about why the payments was being kicked back. After I needed up making a changes to my banking account, your bank has to date continually attempted to not only has deducted one payment, but has made several attempts to deduct amounts on a closed account that I have notified your bank of, deleting that information from CitiBank, and even calling your line management team and requested to revoke authorization, to date still has several attempts. Also the rude reps you have in your line management team have an explanation of closure of my account due to return payments that not only are inaccurate, but also return items after I notified your bank and requested to revoke authorization, the attempted deduction after these request are being counted as returned items. Also there are 3 items being counted as returned that were actually paid on time, and a couple that were actually cancelled ( same day ) never credited to my account also being counted as returned items. I have kept all correspondence from your bank that included any alerts, email, confirmation emails, to include confirmation of payments I initiated off the app, payments posted out of my checking account, payments cancelled before, same day, never deducted from my checking account not credited to my CitiBank account. Email confirmation cancellation of autopay with last four of checking account being cancelled, the date of app activity, and original request date I am only asking my account be looked at be an expert with your bank and given a fair explanation as to why the account was closed, or why the account should be open. Im not asking for any special treatment, but if your bank has not followed proper banking laws pertaining the the Citi Bank secured MasterCard the an apology should be in order. This is my last attempt of reaching out to upper management for answered and clarification that my account should have been closed, like it been closed before with no authorization or reason Im only making sure your institution is following all banking by laws, policies, procedures, etc just like me as a consumer has to follow all of yours and to my knowledge had followed and can not understand closure.
I will state I will give your bank a couple of days for a decent response to this email as a last attempt to understand the closure of my Citi Bank Secured MasterCard account ending XXXX before I proceed in reaching out to the XXXX, CPFB, FTC, FRB, FDIC, etc.
I appreciate your time, XXXX XXXX XXXX XXXX # XXXX Sent from XXXX XXXX for XXXX
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| 11/15/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/2022, I opened a Business Checking Account at Citibank. As I did not know this process will become a living XXXX. When the account was opened, XXXX XXXX ( Personal Banker at the branch ) told me I should receive my card in XXXX business days. After XXXX business days, I received my debit card, but was not able to login into my online account. I called customer services and they told me I wont be able to login until a passcode comes in from the mail which XXXX XXXX didn't mention to me. A few days later, I received my passcode to login online, but that wasn't the end of it. Every time I wanted to login on my phone or computer, I would have to call Citibank customer service which would transfer me to an automated voice recorder that would give me a passcode to enter. The customer service representative told me there is no other way to receive it unless I call them ... EVERY ... XXXXSINGLE ... TIME .... After all that mess was resolved, I processed my sales from XXXX and was received into my account of {$15000.00} in a couple days later. The same day the money was deposited, the account was on hold due to XXXX chargeback. They told me It is currently on review and I should receive an update in a week. In a week, I called customer service and they told me they have decided to close my account in 60 days and I will receive my funds in XXXX business days after the account has been closed... In Mid XXXX of 2022, I received a letter stating {$10000.00} vanished from my account with no trace on where it went... I called for an update and the customer service rep said the same exact thing as last time. " I will receive my funds in XXXX business days. '' EVERY 10 DAYS, same response received. After 60 days, I received the same response. I informed them it's already been 60 days since you guys said you would close the account and also it's been 10 days since I was informed I would receive it and I have not received ANY UPDATES, NO FUNDS, NOTHING, BUT LIES. The representative I would speak to would put me on hold for a while and tell me I should receive the funds in XXXX more days which was XXXX. I KEPT calling back EVERY 10 DAYS and the same thing was said. They kept saying the same XXXX thing until the mid of XXXX of 2022 which I knew was all XXXX. Citibank customer service reps had no idea what was going on in my account and they had no proper training on how to do their XXXX job. I went to a branch in XXXX and XXXX of the bankers at the desk refused to help me and said he couldn't access my account when he didn't have his computer on. I went to another branch in XXXX XXXX and she reviewed my account, but said she wouldn't be able to help escalate this since she wasn't the one that opened the account and suggested I go to the branch where I opened it. Then I went to XXXX where I made an appointment with XXXX XXXX and while he was reviewing my account. He said with these chargebacks the security department is reviewing it ( At that time they weren't ) and will send my funds in another 60 days ... It is now close to 90 days since he said that and no funds have arrived. After multiple tries to get an update on this, I finally got XXXX at the end of XXXX where the reps told me this account is being handled with the security team and transferred me to them. The reps at the Security team informed me this fund is currently being held and I should " contact the finance team where the payments came from, '' which made no sense at all. The security department would not give me any more information besides saying " Contact the finance team where the funds came from. '' They could not give me any more information but that which made no sense ... at all. I called XXXX since we processed the payments and they said they just forward the funds to the account. They don't deposit into theirs then ours. At this point, I have no idea who to contact for those funds. Opening an account with Citibank has been a living nightmare. Each order I received I have fulfilled with my personal funds without knowing if a chargeback occurred again in the account and who it was from. If I knew that this is how their services and process works, I would have NEVER opened an account with them. They all have been constantly lying and have no proper training on how to handle customer service. All I have been receiving are letters of deductibles on the closed account which my money has been. Chargeback receipts and deductibles from my account have equaled about {$5600.00} which means I should have and received the amount of {$9600.00} by now. I can not continue my business like this if Citibank is going to hold my funds. My business has been on hold since this occurred. All I want is my money that I earned.
Today, I finally received an update on my previous complaint. They answered all the useless complaints except the main big one and that is " WHERE IS MY MONEY?! '' On the previous complaint ticket, they tried to avoid answers about where my money is. They did not try to call me. They just sent a response. This is how annoying this bank is.
The main complaint is the most important one and that is that CITIBANK has {$10000.00} of MY money which they have not refunded any amount to me! MY Account has been closed past 3 months. They and the previous complaint stated said they will send a check after the time of account closure. It's been more 5 MONTHS and I still haven't received any UPDATES OR CHECKS for the amount. CITIBANK avoided to answer that question. I WANT MY MONEY AND I WANT IT NOW!
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| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Moving forward, I would like this account to be taken care of with a balance reporting as {$0.00} and in good standing, as well as {$1000.00}, dollars per violation, otherwise, I will file litigation.
To whom it may concern : Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. As I did not authorize consent for Citi Bank N.A. : XXXX XXXX to report anything on my consumer report. Pursuant to federal law 15 U.S.C. 1692 a ( 3 ) When I pulled my consumer credit reports on XX/XX/XXXX I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I noticed that there were inaccuracies on my consumer reports, such as the balance of {$1300.00} and late payments reported by your company. This has destroyed the lively hood for my children and I to live sustainably, such as purchasing a home of our own, and being able to take care of their necessities. This is very disheartening for me and caused a lot of emotional distress for myself and my children.
This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof of claim that I am legally obligated to pay you and that late payments were made and updated pursuant to 15 U.S.C 1666B. I am demanding the removal of the negative items if the information is not validated. ( A copy of any sort is not evidence ) The original must be furnished with WET INK SIGNATURE, including XXXX, and XXXX ) and proof that it is my signature. Pursuant to federal law 15 U.S.C. 1681 as well as the Fair Credit Billing Act 15 U.S.C 1666-1666j., federal law states that you can not report anything adversely on my consumer credit report until the investigation is complete.
Please provide me with the below-mentioned items : * The amount you claim the XXXX owes you * An explanation showing me how you have computed the amount.
* Copies of any documents that prove I agreed to pay the alleged amount pursuant to Federal Law UCC 8-315 * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence of your license numbers and your registered agent.
I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, XXXX, or XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below-mentioned reasons under 15 U.S.C. 1692 ( a ) ( 1 ) as well as the following : *Misuse of my copyrighted property *Violation of the Fair Credit Reporting Act ( F.C.R.A. ) *Defamation of character *Violation of the F.D.C.P.A *No consent was given *Invasion of privacy I would like to inform you further that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped.
Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the XXXX XXXX provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/XXXX, under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).
If your agency/company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
Respectfully, _________________________________ XXXX : XXXX Without Prejudice 1-308
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| 11/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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Since it is my smallest credit-card limit, and I've had it over a year now ( the zero-balance rate is about to expire ), I decided to pay off ( most ) of my Citibank credit-card with a new balance-transfer card from a different institution. I originally asked for a {$1000.00} transfer on XX/XX/2018, which was approved by the other institution on XX/XX/2018. But, as of XX/XX/2018, it still had not been applied to the Citibank credit-card, so I called both institutions to find out why. Apparently, Citibank refused an electronic transfer from the other institution, so a check had to be mailed.
As of XX/XX/2018, the check had not yet arrived. But, apparently they received it on XX/XX/2018, which is when they sent me an email saying it had arrived and had been applied. And, my available credit went up by the {$1000.00} transfer amount. OK, it took MUCH longer than expected, but everything finally looked good, except that, although my available credit went up by the {$1000.00} transfer amount, my balance ALSO went up by the {$1000.00} transfer amount - my current balance, plus my available credit amount, now equals {$3000.00}, which exceeds my total credit-limit by {$1000.00}, the amount of the transfer. Yet, when you look at the spending details since the last statement, the detail listing shows I've spent just over {$300.00}, but the summary list says I've spent just over {$1300.00} the actual amount spent PLUS the amount of the {$1000.00} transfer. So, somehow, they applied the balance-transfer payment as a debit, although my available credit did go up by the {$1000.00} transfer amount. Also, although they sent me an email saying theyve received my payment, and my available spending-limit went up by {$1000.00}, their web-site still showed that my next payment was due just over a week from now.
The real trouble started when I tried to call and find out what was going on with the balance-transfer ( I first tried the Chat feature on their web-page but the person on the other end had no idea what they were doing, had no customer-service skills, and couldn't answer any questions, so I then called their XXXXnumber instead ). Before they could review my account, they needed to verify who I was, and they asked for my code-word. Although I use code-words with other institutions, I've never given Citibank a code word ; nor did they ever ask for a code-word when I called them the first time to find out why the balance-transfer hadn't been applied yet ( I was rather upset that a check had to be mailed instead of an electronic transfer, so did an employee apply a code-word out of spite? ).
They kept insisting that my code-word was a pet 's name that began with a specific letter of the alphabet. Other than aquariums - and no, I don't name my fish - I haven't owned a pet in over 30 years, and never had a pet whose name started with that specific letter of the alphabet, so where that code-name came from, I have no idea. What code-words I do use are always ex-girlfriend 's names that has some relation to either the institution itself or to the time-frame of when I started using the institution. And, I have never had a girlfriend whose name began with that specific letter of the alphabet.
So, since they couldn't verify me by a ( non-existent ) code-word, they asked for a phone number instead so they could send a text for verification purposes. I gave them the same phone number that's on the account, which is the same phone-number that they send me twice-weekly automated texts about my balances, yet they said their system wouldn't " accept '' that phone number. So, I had to wait and talk to an account-rep before we could continue.
I was on hold for over 20 minutes ( thank XXXX for speaker phones! ) before the customer-service rep and the account rep both came back on-line ( although there were many times I heard clicks as if someone was checking the line to see if I had hung up ), and the account-rep was finally able to verify my identity using the recent payment methods I had used. Finally, we're getting somewhere! Except ...
The first thing I tried to do was find out what my code-word was - they refused to tell me, but they did ask if I wanted to changed it. Of course I did! When I tried to change it to " I hate Citibank '', they told me it has to be less than XXXX characters, so I asked to change it to " CancelCard '', which apparently they couldn't understand because they kept trying to spell as " B-I-N-something ''. When the customer-service rep finally got it ( correctly ) changed, I could hear the account-rep in the background tell the customer-service rep, " just cancel the card and hang-up on him ''. Of course, I got upset! I told them I didn't want to cancel the card, I just wanted that to be my code-word, since it was going to be something ( really! ) easy to remember.
At this point, the account rep and I started arguing about the service I was receiving, and I ended up I hanging up on them out of frustration, never having found out what happened to the balance-transfer. When I then tried to log back in through their web-portal, I immediately get a message saying, " There is a fraud alert on your account - you must call Customer Service before continuing.
At this point, I have " cancelled '' the card myself by cutting it in half. Assuming the balance-transfer gets applied, I will simply pay-off the remainder of the balance due, then never use the card again! But, I want to ensure the balance-transfer is applied correctly.
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| 01/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX my vehicle broke down and I had to have it towed to my home. We have XXXX XXXX for insurance but I had a XXXX XXXX XXXX XXXX stop to try and help and he recommended going with a local company rather than directly through them and then having the local company provide an invoice to be reimbursed. I searched for local towing companies and chose XXXX XXXX. In speaking with them, they primarily communicated through text messages and wanted my credit card number provided that way. I chose to pay an upcharge with a promise that the driver would arrive within a XXXX minute time frame. They also promised to provide a detailed receipt/invoice to provide to my insurance company. It took much longer for the driver to arrive than the XXXX minutes. It was approximately an hour to an hour and a half. When it came to providing an invoice, they would only provided a piece of paper with a smiley face on it listing the total that was paid. It did not detail what the services was for, how many miles they towed us, etc. It was a very simplistic square recent. When we approached our insurance agent about the process of being reimbursed, she said that they would need an invoice and they began trying to contact XXXX XXXX for a copy as they had promised and should provide. XXXX XXXX would not answer the phone when they called. Our insurance office tried contacting them multiple times and when we began calling and texting and trying to leave messages, they would not respond. This went on for a period of weeks. As they failed to provide the services in a timeframe that was agreed upon for the price as well as failed to provide an invoice as promised upon agreement to the services ; plus, would not be even communicate with us when we attempted to get a basic invoice and detailed receipt, we disputed the charges on our XXXX XXXX XXXX The original charges ( XXXX separate ) were {$420.00} and {$100.00} which was the amount we agreed upon the day services were provided. Citi found us responsible after investigating the dispute and reversed their credit for the original charges. We did not argue this decision and decided to continue to try to fight for an invoice to provide our insurance company. It was the last charge we ever expected to incur from XXXX XXXX and we would never use their services again.
On XX/XX/XXXX as I was going to make a payment in the Citi app I discovered there was a new charge made to my card that listed XXXX XXXX as the merchant. This charge was for {$640.00}. I immediately called Citi and cancelled my card as we had not agreed to any services and I discovered that they had stolen my credit card number and used it in another transaction. I went through XXXX over the next couple days trying to get someone to help. Citi sent me back and forth between the fraud and billing dispute departments with neither of them wanting to take ownership. After speaking with multiple different people on different days, they decided the dispute should stay with the billing dispute department rather than the fraud department since we had used the merchant for services in the past. I felt reassured that this would be handled appropriately once the dispute was made and there was no way that we could possibly be found responsible for these new charges that totaled approximately {$120.00} more than the total that we paid for the services on XX/XX/XXXX. These charges were placed on our card right around XXXX months post them providing services to us and were totally unexpected. They truly had stolen my credit card information. This seemed easy to solve in our favor, right? Apparently not for Citi. On XX/XX/XXXX we received notice that out of nowhere, they had contacted the merchant and XXXX XXXX had magically decided to return the original charges of {$420.00} and {$100.00}. This seemed odd as these werent the charges that were straight up fraud but I thought the investigation was on the right track and Citi had discovered how big of frauds these people were. I also assumed the owners of XXXX XXXX got scared because we had also filed a police report. I felt assured that we would receive the {$640.00} back that was straight up stolen and as I said previously totaled {$120.00} above the amount that we ever agreed upon. On XX/XX/XXXX Citi sent us a letter saying they heard from the merchant and they were reversing our temporary credit of {$640.00}. I cant believe it. They attached documents that XXXX XXXX provided that include text messages from the day of the services that have been altered by the merchant. The text messages do not even include dates and the times of the screenshots are all different. They make up square receipts and provide those not signed by me and Citi is accepting the XXXX and finding us responsible. I now have the option of writing a letter to continue the dispute but I am so discouraged and astonished that I would have to take such measures! What kind of investigation did they do? Obviously the merchant responds and they just take whatever response they get and rather than trusting their loyal customers hold them accountable?! None of the totals including those from the original charges to the charges XXXX months later to the ones shown in their provided texts add up. The fraudulent charge was ran XXXX months after the date of the original services. Why did XXXX decided to give in to the original charges? This is easy to see! They stole from us! Why cant Citi stand up to protocol and their promise for their customer?!
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| 08/20/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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Dear Consumer Protection Financial Bureau : This is written as a formal request for an inquiry to be conducted into the business practices employed by Citibank. In that regard, I believe that I have been the subject of deceptive business practices and the victim of predatory lending. On or about XXXX XXXX, I, along with my mother, XXXX XXXX, as co-owner, purchased real estate property located at XXXX XXXX XXXX XXXXXXXX XXXX, D.C. XXXX, which is XXXX the XXXX, a low-income neighborhood. The property was appraised, listed and purchased for {$140000.00}. On or about XXXX XXXX, Citibank issued a second mortgage loan on the same property for an additional {$50000.00}. There was no written appraisal provided, however. Then, on or about XXXX, the property was reappraised and refinanced by the first lien holder for approximately 180.000.00, which was the maximum property value at that time. Therefore, the second mortgage loan that was issued by Citibank was satisfied and a request for the account to be terminated was made. Albeit, coupled with the income and debt to ratio in place, Citibank continued with the advancement on the line of credit. The housing market then became stagnant and, as a result of the advancement, the property was severely under water. Therefore, on or about XXXX, Citibank was contacted and requests were made for a loan modification, but to no avail. Moreover, there were no further payments made on the advanced line of credit, which resulted in a delinquency. Notwithstanding, aside from sending late notices, Citibank did not take any collection measures. Moreover, Citibank did not report any payment delinquencies to the Credit Bureau. Discussions continued, however, and I was of the belief that negotiation consideration was being given to this matter. It appears, or at least it has the appearance, however, that deceptive practices were being employed instead. In that regard, on or about XXXX XXXX, seven years later, Citibank initiated a foreclosure action against the property. It was also at a time when Citibank could collect and capitalized on the outstanding debt. In that regard, the prolonged delay to collect, coupled the recent revitalization in the area and rising housing market as well as the home improvements and first mortgage pay down, resulted in an increase in the property 's equity and/or value. In XXXX, an appraisal was performed with a return estimated property value of approximately {$260000.00}, which is the equivalence of {$9000.00} per year since the XXXX appraisal was conducted. The home improvements on the property included, amongst other improvements, required necessities such as windows replacement, bathroom renovation, the installation of a new heating and air conditioning unit, an underground sump pump, and new plumbing fixtures, and was costly to maintain. As a result of the foreclosure action, the infliction of mental anguish was imposed and I was, unjustly, forced into selling my property. Citibank was, therefore, challenged with a counterclaim for predatory lending and deceptive practices, for which Citibank steadfastly argued the statutory limitation as its defense for not being held accountable for it 's reprehensible conduct. A delay for which Citibank was solely responsible for manipulating. In addition to the above, while the case was in the litigation stage, Citibank or representatives on its behalf, went onto my property, changed the locks and posted a " No Trespassing '' sign, claiming ownership to the property. Notwithstanding the above, upon the recent sale of property, Citibank assessed numerous charges and fees onto the lien for payment without providing me a statement of accounting for record, review or dispute. Moreover, upon receipt of payment and after capitalizing at my expense, Citibank then forwarded the payment delinquencies to the Credit Bureau to further its harm against me. Citibank also issued a refund check and then, immediately, stopped payment. It is my belief that actions committed on Citibank 's behalf was nothing less than a modern-day business scam and its business conduct is outrageous, to say the least. In light of the above, I am seeking to have an investigation and/or further review conducted into the practices employed on behalf of Citibank and its collections methods. Ideally, I am seeking to initiate a class action lawsuit just as XXXX XXXX XXXX XXXX did against Citibank for predatory lending practices in minorities neighborhood. ( See the attached link : XXXX XXXX XXXX. ) Indeed, I believe my circumstances fit exactly into its profile of targeted victims ; and, moreover, believe that others victims felled prey to Citibank 's practices during this period. Alternatively, I am seeking reimbursement for all the funds collected, up to and including the payments made as well as attorneys fees and court costs that was incurred as a result. Moreover, I am seeking the removal of the tardy negative credit reporting, in that the information was solely withheld for the purpose of its profit and benefit. Your attention to this matter is appreciated. If there are further questions and/or concerns, please feel free to contact me at ( XXXX ) XXXX or XXXX XXXX, at ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX, D.C. XXXX, or via email. In the event this matter should be routed to any other agencies overseeing banking institution and practices as well, please let me know. Thanking you in advance for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
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| 04/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Power of Attorney/Authorize User Mother 's Accounts My mother is XXXX, and her health is failing. She has been losing her eyesight over the past few years, as well as having mobility issues. On XX/XX/XXXX, my mother and I prepared 'Power of Attorney documents with her attorney. We did this so that I may help her pay her bills on time as her health failed.
She had ( 4 ) bank credit cards, of which we tried to submit the 'Power of Attorney papers to them to give me legal access to sign and care for my mother 's accounts. In every case scenario, the banks ' customer support representative told us that it was wiser to add ( me ) as an authorized user to my mother 's account rather than use a power of attorney. Only one bank requested both POA papers and added me as an 'authorized user ' too.
Before I agreed, I specifically asked each bank 's representative 'if adding me to my mother 's account as an 'authorized user ' would in any way affect my credit? ' Every bank representative we spoke with said the same thing. 'No, it would not ; they also indicated that it was not possible to allocate my mother 's debt to my credit report without my social security number and signature. They clearly defined that I was not a joint owner, rather an 'authorized user, ' which would enable me to make purchases, pay her bills, and help her handle her expenses, etc. All acknowledged that I was not financially responsible for the debt as an 'authorized user. ' They all told me this was the 'best path ' to assist my mother, noting in the conversation by phone that it would not impact my credit in any way.
In each case, I heard the same from all ( 3 ) banks, and recently from a ( 4th ) bank, we just added me as an 'authorized user ' only three weeks ago. All of them clearly stated that it would not impact my credit in any way, that I was not responsible for the debt in any way.
Since I've been paying my mother 's bank cards over the past five years, I have never seen any of the debts/cards posted on my credit report. All was good, and I continued to help my mom pay her bills on time.
On XX/XX/XXXX, I applied for credit with a high credit score and a low debt to income ratio, confident that I would obtain credit for the loan I wanted. I was denied. I was shocked, and it prompted me to get my credit report from all three agencies.
I was shocked that my credit score dropped from XXXX to XXXX in just one month, XX/XX/XXXX to XX/XX/XXXX. Nothing I did could have caused such a severe drop ; I knew something was wrong.
Once reviewed, I found that ( 4 ) new revolving accounts were added to my account, making my debt to income ratio go from 23 % to nearly 97 %. Adding my mother 's bank card accounts to my credit report added {$52000.00} to my debt, which is being reported as part of my current 'debt to income ratio ' with all three agencies. I was denied credit for a major purchase because of this inaccurate information, and my credit score fell 59 points in less than 30 days.
I contacted each of the four banks this week ( Week of XX/XX/XXXX ) and spoke with representatives about this problem. Each bank gave me that same response : they said, 'it should not impact your credit ; the debt is not yours - we're only showing you as an authorized user. ' When I explained that the credit reporting agencies allocate the {$52000.00} total debt to my debt to income ratio - they dismissed me, acting as if I was not giving them accurate data. I had the amounts and gave each one the specific amount allocated on my credit report by them - and they had no answers to explain why this is happening. I further asked if you remove me from my mother 's account ( s ) will this remove your charge account from my credit report? They said yes, and I confirmed by phone for them to remove me from the charge account. However, I do not think this will solve my problem.
I am deeply concerned about the impact of this on my credit report and score, as none of this debt is mine. My score dropped 59 points, all because these four banks added my mother 's debt to my credit report. The impact is catastrophic. I work very hard to maintain excellent credit, and in just a few weeks, these ( 4 ) banks have done irrefutable damage to my credit.
Furthermore - I do not know if those charge accounts being removed from my credit will result in my credit score being fully restored to my XXXX ratings as of XX/XX/XXXX, or ( XXXX XX/XX/XXXX ) or not. There is no other reason my score should have dropped by 59 points in 30 days.
I hope that the ( 4 ) banks and the ( 3 ) credit reporting agencies would, in good faith, undo the damage to my credit. I report my credit to government agencies for my business, and the impact here could cost me future revenues and my livelihood.
In every case in this scenario, the banks ' representatives assured me that being added to my mother 's account as an 'authorized user ' was more accessible, better, and faster for everyone than submitting the power of attorney papers. They also assured me it would have no impact on my credit, credit scores, or credit health. I find now ( years later ) that this is entirely not true, and my credit has taken an enormous hit because of their actions.
I seek for all of these accounts to be immediately removed from my credit reports as inaccurate information. I also want my credit score to be restored to what it was before these ( 4 ) banks began wrongfully adding this debt amounts to my three credit reports.
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| 10/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2018 ( Citi Call 1 attachment ), I noted that I had a fraudulent charge pending on my Citi Prestige credit card account. The charge was for {$3700.00} at XXXX XXXX. I immediately contacted the customer service department at Citi and notified them of the fraudulent charge. I spoke to the representative and she took down all the necessary information. I told her it was a fraudulent charge that I did not authorize and that I had the card in my possession. Upon research, the representative noted that the charge was incurred via a manual input. She elaborated that the sales associate did not have a tangible credit card that was swiped, and it's possible that the credit card information was entered in manually. She noted that she would issue me a new credit card immediately, the physical card would be overnighted, and I would have access to the electronic/mobile version of my card immediately. The mailing and issuance of the new credit card occurred without any issues and I applaud Citi and their responsiveness. The Citi representative gave no indication that I would need to follow-up regarding the fraudulent charge, and that everything was sufficiently taken care of by this phone call.
On XX/XX/2018 ( Citi Call 2 attachment ), I called Citi to follow-up with the fraudulent charge on my credit card. I told the representative that I noted I had yet to be refunded for the fraudulent charge amount, and I asked her when I should expect a refund. The representative stated it should take approximately two to five business days. There was no discussion that I needed to do anything further to ensure this fraudulent charge would be handled. I thanked her and ended the call.
On XX/XX/2018 ( Screenshots 1-12 attachments ), I left for international travel. Throughout my travels, I continued to monitor my credit card to determine if the charge had been refunded. On approximately XX/XX/2018 ( because I was traveling internationally, there may be a slight difference in dates ), because I was abroad and did not want to incur any charges I could receive by using my phone, I signed onto the Citi mobile app, and had a conversation with a representative via the messaging portal. During the discussion with the representative, she noted that she could provide the direct contact number to the Dispute team at Citi, and asked if that would work for me. I stated that it would not, I was told this was already taken care of, and I am on vacation abroad right now and can not call. The Citi representative stated the dispute team will take care of the fraudulent charge and I needed to log into my account at Citi.com from a desktop or mobile browser and chat with them online for assistance. I told them that I was not going to do that because I already called and reported this twice and was told it would be taken care of. I also stated I want to file a formal complaint with the business line, and I want to file a complaint and for this to go through Citi 's compliance department for review. I stated the handling of this fraudulent charge has been poor and that I don't pay {$450.00} a year for this type of customer service. The Citi representative stated she would make a note in my account and in the meanwhile, register a complaint regarding the dispute too. I asked when I should hear a response, and the Citi representative stated 48 to 72 hours. I asked how I would be compensated for the inconvenience this has caused me ( this is the third time I've contacted Citi and I am now contacting them during my scheduled international vacation ), and the Citi representative never answered the question. I further stated I want a formal response in writing that details the results of the fraudulent charge on my account, the response to my formal complaint, and how Citi plans to compensate me for the inconvenience. I stated I had to go and then I thanked the representative for resolving this quickly.
Throughout the rest of my vacation, I monitored my credit card account to see if the fraudulent charge amount was credited back to my account, and to see if I received a response from Citi regarding my formal complaint. As of XX/XX/2018, I had received no response and my account had not been credited back with the amount of the fraudulent charge.
On Monday, XX/XX/2018 ( Citi Call 3 attachment ), I contacted Citi by phone and discussed my grievances with the initial customer service representative. That representative then transferred me to another representative, who I believe is in the Security Investigations department. I told her about the three previous experiences I had with Citi representatives regarding this fraudulent charge. She took down my information again, and stated that she is taking responsibility for the treatment I received. She said that Citi would conduct an investigation regarding the fraudulent charge, and that I should expect a credit to my account in three to five business days. She described the issues that occurred with this fraudulent charge and why it wasn't handled appropriately. I told her that I wanted responses from Citi regarding this complaint. She said she would escalate my complaints and grievances internally, and that I would like a written response from Citi. I told her I would file a formal complaint with the CFPB because I also want a written response from them. I also said I would like to be compensated for the treatment I have received from Citi because of the multiple inconveniences this has caused me.
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| 05/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I have an issue with Home Depot Credit Cards.
It is an unusual one as they gave me a credit card with an incorrect social security number. It took a couple months to figure out just why they could not locate my account. We tried my social and my husbands over and over but they could not locate the account for payment.
Title : THAT DAY I was shopping at our local Home Depot for XXXX items. I helped fix a couple floor model animatronics. Super simple it made me laugh. At this store nearly everyone knows me by sight and most will ask how my family is doing if they arent with me. A group of us myself and several employees were talking in the midst of the XXXX display. I was excited as I love a good bargain, that day it was all on sale.
I think they were excited for me.
I asked if I could get a 10 % discount on a floor model scarecrow since I fixed the others. They were happy to help me out. One the employees asked me if I wanted an extra {$50.00} dollars off my total. I laughed and the person said no really I asked Huh? I was told to apply for Home Depot Card. I said I couldnt because I had one. I was told people do it all the time. They set me up with an employee an register for a new card and an extra {$50.00} off my order that day.
I am a nervous Nelly but I got creative I used my Maiden name XXXX XXXX and my cell phone number instead of my house number and I thought my social. Even a bargain hunting fool like myself knows not to use someone elses social security number. Being that I was nervous, I didnt know you could have two credit cards with one business, it took me a moment as it always does to separate the two socials as I use his more than my own for taxes, medical and banking. Once the form was uploaded the credit card company accepted my application and gave me a bigger limit than my 1st card.
Very excited to get my purchase at a great price so the next day I went to my bank and paid ( get this unbelievable ) in cash the eighty five and some change dollars I owed on the new card at a register. Paperwork is my demon so even if I made an effort to keep the receipt I would have forgotten where I put it the next day. I did not have the NUMBER for CARD # 2 only a small receipt with my Home Depots acceptance of my application.
It just so happens my first card had a very similar balance as the new card and will turn out that that payment I made in cash actually went to the balance on my first card. Myself or my husband must have popped in without our ATM card.
Recap : similar social security numbers and similar amount owed on both cards. Payment in cash, who does that?
Our social security numbers.. There is only 3 different numbers between the two Mine XXXX XXXX >letter instead of numbers Not our real socials Spouse XXXX XXXX >letters instead of numbers Coded sequence is identical to our actual numbers Home Depot began calling me for a payment on my card. I kept explaining over and over I had made my payment in cash at a register in the store. I spoke to 5 different associates that called me and NONE of them could figure out why my payment wasnt showing up on my card. I would explain and they would tell me they could not find my payment. I finally got frustrated and called in to Home Depot. I was disconnected twice and as they say 3 times a charm The third associate and I spent a good 45 minutes to an hour going over both accounts because she looked up the phone numbers I used. Honestly the hours I spent with the others and got no where. She I figured out that I had transposed a number in my social and thats why NO ONE ELSE at HOME DEPOT could figure it out. She asked me if I wanted to make a payment for the first months charge of the XXXX items. I told her I pay it in full so nothing else could get messed up. I asked her if this would effect my credit and she said to me NO I PAID IN FULL AND MY ACCOUNT HAD BEEN NOTATED THAT IT TOOK TWO MONTHS AND 8 ASSOCIATES TO CORRECT THE FACT THEY GAVE ME A CREDIT CARD WITH AN UNKNOWN SS # ON IT. I told her thank you because it was not my fault it wasnt paid and certainly wasnt my fault they rest of the employees at her company could not find my 2nd account and combine the two for me. ( she did help me with the social security number correction combined my Home Depot log in page so I could see both accounts ) I tried several times to get them to combine both accounts under my name so when I logged in I could figure out what was messing things up. I could not find the second card and neither could the other associates to combine them.
Nothing hit my credit application for another month or two and then there it was .. They dinged my credit and when I went back to ask them to fix it explaining the whole thing again to 1 nice employee a ( business number ) who gave to another ( my chin hit the hold button on my cell phone while waiting to be transferred and no one could hear me so they hung up. I redialed and the 3rd associate ( business number ) transferred my to a rather snotty associate who took my information with a lot of attitude ( she was like a brick wall but I thought to myself it Home Depots fault how could they not fix it ) I just dont get it .. How could they ding my credit when their system allowed me to get credit even though I messed up my social security number? The application should have been denied. The whole thing is scam if you ask me. Can anyone with anybodys social security number pull a credit card?
Can you help me?
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| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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ACCOUNT VERIFIED RESPONSE I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. ListAccounts DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. PS! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' XXXX XXXX XXXX Account name THE HOME DEPOT/CITIBANK Account XXXX XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$200.00} Highest balance {$2300.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Payment history guide XXXX XXXX past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX Balance history XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$200.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$500.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$5000.00} Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX XXXXXXXX XXXX XXXXXXXX AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT THIS IS ILLEGAL!!!!! I HAVE BEEN DISPUTING THIS FRAUD ACCOUNT SINCE XX/XX/XXXX!!!!!! THIS IS RIDICULOUS IAM GOING TO THE BETTER BUSINESS BUREAU AND EVERY CONSUMER AGENCY TO COMPLAIN ABOIT THIS AND THEM I WILL HAVE TO SUE!!! THE CREDIT BUREAS!!! ! AND ALL COMPANIES INVOLVED FOR REPORTING INFORMATION FROM A CONSUMER ON THE CONSUMERS FILE WITH OUT GETTING WRITTEN CONSENT FROM ( ME ) the consumer!!!!!
PS! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
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| 01/22/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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CitiBank Fraud Case ID # 1 : XXXX CitiBank Fraud Case ID # 2 : XXXX CitiBank Ref # : XXXX XXXX CitiBank Fraud Transactions : XX/XX/2020 XXXX Debit {$500.00} to XXXX XXXX ( XXXX XXXX XX/XX/2020 XXXX Debit {$1900.00} to XXXX XXXX ( XXXX XXXX XX/XX/2020 XXXX Debit {$2400.00} to XXXX XXXX XXXX XXXX XXXX These past few months have been very difficult times as Ive been a victim of Identity Theft. I have filled a report with the Federal Trade Commission, also with the local police department XXXX attached ). I have put a fraud alert and freeze with all three credit bureaus. Starting XX/XX/XXXX, the following events started arising/were discovered : -My personal XXXX XXXX XXXX XXXX XXXX accounts were attempted to be logged in from foreign locations, but were blocked due to extra layers of security. I quickly reset my passwords to these accounts among every other of my email and financial accounts.
-CitiBank checking account was hacked/breached into and three money transfers were made via XXXX ( transactions listed above ) for a total of {$4800.00} to the following email addresses : XXXX, XXXX. Ive never transferred money to these recipients with CitiBank or any other banks, nor do I recognize them.
-XXXX XXXX XXXX checking account was hacked into also for two money transfers via XXXX were attempted for approximately {$1700.00} ( with the reason " for rental '' ) to the same email address ( XXXX ), but thankfully were rejected by XXXX strong security algorithm due to suspicious activity XXXX attached ). XXXX fraud department worked with me to change my username and password in order to regain security back in my account.
-XXXX XXXX XXXX XXXXXXXX checking account was hacked into also with the attempt to transfer via XXXX for the amount of {$700.00} and was also rejected due to suspicious activity. This fraud transfer was sent out to the same email address as the other banks ( XXXX ).
-A new checking account with XXXX ( powered by XXXX ) was created using my identity/SSN and I received a debit card in the mail for this account with card number XXXX XXXX XXXX XXXX. After further investigation, their fraud department agreed that this account was fraudulently created and will be closing this account.
XXXX account was hacked/breached into and {$44.00} was stolen. XXXX returned the money immediately upon my dispute.
I am extremely hurt and disappointed with the customer service I have received. Never have I ever been so misguided, untrusted and poorly treated by a large financial institution such as CitiBank. In XX/XX/2020 my fianc and I opened a joint account with CitiBank in hopes of saving money together to purchase a home. At the end of XXXX, we noticed fraudulent activity happening on various banking accounts. All the other banks rejected the charges ( proof attached ) except for CitiBank. Through investigating further, we discovered that were experiencing an extreme case of identity theft. My social security number was used to open new bank accounts and there were attempts to take funds out of current bank accounts. Immediately we filed a police report, put a freeze on credit bureaus, and contacted all of the banks. A total of {$4800.00} was stolen from our CitiBank checking account using XXXX. The email addresses used for the XXXX transfers were the same as the ones that were used in other bank accounts. Initially, we were not worried because, in our experience, banks are very good at detecting fraud and getting customers their money back. We opened multiple cases with Citi Banks fraud department to dispute the charges and provide proof of fraud, which were all rejected. We spoke to multiple customer service representatives that gave us absolutely no guidance. We were hung up on multiple times and told that our case could no longer be discussed with us. We found out later that our account had been blocked and we no longer had access to our remaining funds. This greatly impacted our livelihood as we were no longer able to pay our bills or get groceries to survive, with the funds we had allocated for them. We were given the run around and told to jump through so many hoops in order to submit documents of proof and all to later be told that there was no sign of fraudulent activity on CitiBanks end. We requested to obtain copies of the information used in the investigation as you are entitled by law mentioned in one letter, but yet to receive such a thing from CitiBank. We even had the assistance of a banker at a local branch to assist in this matter and per her research was told to fax all supporting documents to ( XXXX ) XXXX, which was answered with a rejection letter and reasons such as no supporting documents received. Weve attempted to contact customer service to ask about our money to which we received no helpful information once again. We appealed the case and were rejected again with the allegations of us authorizing the transactions. Never were we asked for more information or proof. We have a police report and proof of other banks ' fraud detection. Our last attempt to speak to a supervisor resulted in them harshly telling us that the bank could no longer help us. We emotionally asked the supervisor* what she would do if she were us to which she responded, You can go to small claims court, which ended with her denying to continue the conversation and disconnected the phone call.
*Supervisor referenced : XXXX ( she intentionally didnt provide her last name ), ID # XXXX
|
| 10/19/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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This account was opened in XXXX of XXXX only for the purpose of taking advantage of an eighteen-month interest deferred promotion for the purchase of a snowblower.
The required minimum payments of {$27.00} dollars were made on-time for every month until XXXX of XXXX were the remaining balance on the snowblower purchase was paid-in-full. Again, all payments were made on-time and in compliance with the card agreement and promotion as the were presented at the time of the account being opened and the purchase transaction.
It appears that Home Depot/Citibank elected to modify the terms and conditions of the account in XXXX of XXXX. The account terms and conditions require that I be informed of any modification to that agreement. Additionally, I am to be afforded an opportunity to opt-out of any of any changes.
Prior to XXXX of XXXX I was unaware of any modification of the terms and conditions. Citibank has not provided any announcement of change. I have not been afforded any opportunity to opt-out.
On XX/XX/XXXX I received a call from Citibank at XXXX. The representative indicated that I was delinquent on the account and wanted me to make a payment over the phone. As I had the payments related to this account pre-scheduled with my local bank. I dismissed the call as a scam and hung-up.
To check on the account, I called back using the XXXX number on my Home Depot card about 15 minutes later. I confirmed that Citibank believed that I was late on payments. I explained that this wasnt possible as I have the payments scheduled and I have noted them in my checking account. Upon some more investigation the true issue was brought to light. In XXXX of XXXX Citibank changed the minimum payment from {$27.00} to {$28.00}. I indicated to the representative that the minimum payment was set in the terms and conditions at {$27.00} and that Citibank could not increase. The representative indicated that Citibank could change the minimum payment at any time.
I received another call from Citibank on XX/XX/XXXX. Again, the Citibank representative requested an immediate payment. I recounted the circumstances with the representative who indicated that he could resolve the issue if I were to make a payment. I indicated that I would not be paying any amounts not owed and that the proper corrections to the account by restoring the correct minimum payment and removing the erroneous late payment fees would bring the account into good standing. The representative refused to take action. I requested that they discontinue any collection calls.
On my own, I reviewed my account in detail. I discovered that the minimum payment was increased from {$27.00} to {$28.00} on the XX/XX/XXXX ( XX/XX/XXXX ) statement. An on-time payment was made for {$27.00} on XX/XX/XXXX. Citibank saw this payment as insufficient and assessed a {$28.00} late fee on XX/XX/XXXX.
Continuing into XXXX, again I made a {$27.00} payment on time in compliance with the terms and conditions. Citibank again imposed a {$39.00} late payment fee and began to accrue interest.
I have continued to make the {$27.00} minimum payments on-time monthly per the agreement in effect at the time of purchase. I made a final payment of {$1200.00} on XX/XX/XXXX to complete full payment at the end of the promotional term.
On XX/XX/XXXX I sent a letter of dispute to Citibank via First-Class mail. Additionally, I requested that the account be closed. No response to this letter was received.
On XX/XX/XXXX I sent another letter of dispute to Citibank. This letter was sent by Certified Mail with return receipt. This mailing included a copy of the XX/XX/XXXX letter and additionally requested immediate correction to the associated credit reporting, correction to the account, closure of the account, and documentation confirming those actions. I also requested compensation for damages related to the incorrect negative credit reporting actions.
Two responses have been received from Citibank, however neither of these responses address the disputed change in minimum payment or terms and conditions. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX. Both letters only state that the credit reporting actions are correct.
On XX/XX/XXXX, I received an e-mail indicating that there was an important document posted in my Home Depot on-line account. The document was non-descript but requested that I contact Home Depot Credit regarding my request.
I called Citibank at XXXX in hopes of clarifying or resolving these issues. Over 49 minutes, I spoke with two representatives, First XXXX ( sp? ) and then XXXX. Both were able to identify and understand the issue, however neither took any action to resolve or correct the account. I have an audio recording of this call, however there is little substance.
On XX/XX/XXXX I made a request to Citibank using their on-line messaging system in my on-line account. Please send copies of any card agreements which pertained to this account between the dates of XX/XX/XXXX and the present. Please deliver via USPS. A response was received on XX/XX/XXXX which only contained the current terms and conditions stating a minimum payment of {$28.00}. There is no information regarding the effective date of these terms or any previous version. This is the first time I have been presented with these terms and conditions.
The creditor has not been willing or able to resolve this issue directly.
|
| 07/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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I have been working with Citibank for well over a year with regards to short sale process. First, they recommended that I apply for a loan modification from my mothers estate into my name. I did this and provided them all the information they requested, starting in XX/XX/XXXX. They then requested I deed the property from the Estate of XXXX XXXX to me personally, which was completed on XX/XX/XXXX. They then rejected my application for a loan modification, and then said I did not have time enough to apply for a short sale, and it was being sent to foreclosure. I use my first two-week adjournment on XX/XX/XXXX to postpone the foreclosure to allow enough time to apply for a short sale. I asked if I could short sell it to myself, and I specifically emphasize that it was me, and heir ( related party ) which would be unusual. The lenders rep verified with whomever is behind the curtain, and said I could do it, and I hurried to provide the necessary documents, including the contract to short sell it to myself. Again, I provided all requested info within a 24-48-hour period. After much rumination by whoever is behind the curtain, they said I could not sell it to myself, and there was not enough time and therefore they were going to go to foreclosure. So, I used my second 2-week adjournment on XX/XX/XXXX to get enough time to short sell it to a third-party. I then provided all the documents for a third-party contract for short sale within a 24-hour turnaround time. They again sat on for weeks and finally went to the negotiator or whoever is behind the curtain ( they never tell you who it is, or what their function is ), and he said that my offer was too low, and there was not enough time to negotiate and they would send it to foreclosure. This was on XXXX XXXX. Please note, I never received an actual rejection letter from them and I was only aware of this is because Ive been in constant contact with the lenders rep at least every 5 to 7 calendar days for the last six or eight months or more. CitiMortgage have been very meticulous about sending me these lengthy five page letters that are full of fluff and repetition and are a complete waste of paper. every time I send them the tiniest little document and they send out these same letters that all look very similar except for perhaps one buried sentence that might have something important to say. They will send the same letter three days in a row. However, the most important letter I could receive, would be this letter of rejection, which they never sent on any of these occasions, nor did they would never give me enough time to respond. On XXXX XXXX, they sent me a letter saying that my hardship letter application for short sale has been received, ( see attached document ) all documents were complete, and they were going to postpone the foreclosure to XXXX XXXX while they processed the short sale. On XXXX XXXX, they closed the case and said there was not enough time before the foreclosure, which is dated for XXXX XXXX, and closed the case. Again, this was never conveyed to me by either written or email, and I only found out because on Monday I had my regularly scheduled conversation with the lenders rep, XXXX XXXX, nor did they ever speak or contact my attorney, my Realtor, ( both of whom have written authorization to speak on me on my behalf ) or the third-party buyer. XXXX recommended I wait 10 minutes and call back on Monday ( XX/XX/XXXX ) to speak to the escalation department, whatever that is, and I did, and the man said that a case was open to request a postponement of foreclosure. And I was asked to call back on Tuesday ( XXXX XXXX ), unfortunately I was too busy and didnt call back to Wednesday ( XXXX XXXX ) at which point I was told that on Tuesday ( XXXX XXXX ) they request to postpone the foreclosure had been closed and it would still go to foreclosure on XXXX XXXX. On XX/XX/XXXX, I received a letter from CitiMortgage dated XX/XX/XXXX stating effective XX/XX/XXXX, the servicing of the mortgage loan will be transferred to XXXX XXXX. I believe I am getting the bum 's rush so that they can foreclose the property and get some proceeds from the loan prior to the transfer to the new servicing company. XXXX XXXX has been contacting whoever is behind the curtain, but there have been no results to date. I know of other people who have loans with CitiMortgage, and they have suffered the same run around, get all the info in to them in 24 hours, wait forever, and they without notice, they reject it, and say not enough time before foreclosure. My tenant who currently resides in the property is an XXXX year old woman, who would be eventually left out on the streets. Also, my family will be mortified if this is what happened to my mothers home. I strongly believe that CitiMortgage is not acting in good faith, I have bent over backwards to respond within 24-48 hour timeframe for every document that they have requested. Then they ruminate on the documents for weeks or months at a time, only to be told at the last minute, that they have rejected my request and there not enough time for alternative solutions prior to the imminent foreclosure. In addition, they have never provided written acknowledgements of their decisions, which I have only found out through my constant contact with the lender through weekly phone conferences. I respectfully request that the CFPB intercede on my behalf and allow proper time for the pending short sale to be processed.
|
| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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Citi and XXXX continue to report inaccurate information onto my consumer report. The account listed as Citi has several inconsistencies which means this account has not been properlu verified. I have also repeatedly asked Citi and XXXX to send me my opt out notice as required by federal law. XXXX is a financial institution that makes money from the selling of consumers information. This is my financial information with Citi that XXXX needs my permission to furnish in such a public manner. This possibly could lead to identity theft and other potentially dangerous scenarios if XXXX is breached again. XXXX and Citibank needs my written consent to release my information and neither have the authority to release my financial information as it pertains to me and my household.
XXXX XXXX Code XXXX - Compliance procedures XXXX XXXX Notes XXXX | next ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency XXXX furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section XXXX of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) XXXX of consumer reports by users allowed A consumer reporting agency XXXX not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( XXXX ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( XXXX ) Content of notice The XXXX shall prescribe the content of notices under paragraph ( XXXX ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( XXXX ) that is substantially similar to the XXXX prescription under this paragraph.
( XXXX ) Procurement of consumer report for resale ( XXXX ) Disclosure A person XXXX not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section XXXX of this title for which the report is furnished to the end-user of the report ( or information ).
( XXXX ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report XXXX be furnished under section XXXX of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( XXXX ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( XXXX ) or ( XXXX ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( XXXX ) or ( XXXX ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section XXXX ( b ) ( XXXX ) ( XXXX ) ( i ) [ XXXX ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
|
| 01/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I am writing to request that you conduct a review of Citis consumer dispute policies and procedures. I do not feel that a complete investigation was conducted regarding my billing dispute XXXX.
On XX/XX/XXXX, I initiated a billing dispute online via Citis website regarding the transaction posted XX/XX/XXXX.
On XX/XX/XXXX, I received a letter requesting that I provide specific details and documentation regarding the billing dispute.
On XX/XX/XXXX, I provided Citi a detailed statement and documents via e-mail regarding the reasons I am disputing the amount.
On XX/XX/XXXX, I received an e-mail from Citi stating they contacted the merchant and gave the merchant until XX/XX/XXXX, to respond.
On XX/XX/XXXX, I received notice from Citi with the response they had received from the merchant. The letter requested a signed letter detailing my response to the merchants claims. Additionally, Citi requested dates I had contacted the merchant and their response to my request for a refund. Citi requested a response by XX/XX/XXXX.
On XX/XX/XXXX, I provided a response to Citi via e-mail that stated my response was in addition to the previous response I submitted dated XX/XX/XXXX. My initial letter detailed the attempts to obtain a refund from the merchant, who stated on XX/XX/XXXX, As things return to normal and our cash flow returns to normal we will issue a refund. To date, we have not received a refund from the merchant. Additionally, my follow-up letter informed Citi that I had never received nor signed the document the merchant provided, and again advised that the merchant did not supply any goods or services.
On XX/XX/XXXX, I received a letter from Citi dated XX/XX/XXXX, informing me that Citi had reversed the conditional credit and they were unable to assist. Since this letter did not provide a written explanation as to the reasons why Citi found in favor of the merchant I contacted Citi via phone and was advised that my follow-up response submitted on XX/XX/XXXX, needed to include information that was provided in my initial letter dated XX/XX/XXXX. I was informed that a good faith credit would be requested. My wife also contacted Citi and was informed that our response was not submitted timely and we were past Visas charge back date of XX/XX/XXXX.
On XX/XX/XXXX, my wife contacted Citi and was informed that the dispute had been reopened and to disregard the closed notification letter dated XX/XX/XXXX.
On XX/XX/XXXX, I received another letter from Citi dated XX/XX/XXXX, stating the XXXX is unable to assist with the dispute as they have no recourse available to recover the funds. Again, since the letter did not provide a written explanation as to the reasons why Citi is unable to recover the funds I contacted the Company via phone and was informed that Visa reviews disputes and made the determination.
Pursuant to 12 CFR 1026.13 ( b ) ( 2 ) Citi did not properly complete an investigation within two complete billing cycles, nor did they provide the reasons they found in favor of the merchant. I did NOT receive any goods or services from merchant. Additionally, the merchants response to Citi did not include compelling evidence of a signed contract, nor did it include documentation that I had been provided a copy of the documentation that they sent to Citi.
It appears Citi did not properly review my responses that were submitted in a timely manner. Additionally, it appears that since Citi did not properly complete its investigation within 90 days, Visa is advising it is past the charge back date.
Additionally, when a consumer advises Citi that the contract the merchant provided to Citi was never seen, nor signed by the consumer, and goods or services were NOT provided, it should be expected that Citis policies and procedures would include reaching back out to the merchant to obtain proof of a signed contract, or proof that the contract the merchant provided was provided to the consumer at the time of the transaction. However, that was never done by Citi.
Additionally, I am not sure what policies and procedures Citi has when submitting the dispute to Visa to review but since I did NOT receive any good or services from the merchant, it is my understanding that this should have been disputed under Visa Condition XXXX Cancelled Merchandise/Services rather than Visa Condition XXXX Not as Described or Defective Merchandise/Services. I believe it was processed under the XXXX Condition based on the letter from Citi dated XX/XX/XXXX which provided the Dispute Reason Code as 1330. Again, I feel this was the improper condition as NO goods or services were ever received and I requested a full refund prior to the scheduled date services were to be provided.
In summary, had Citi followed proper policies and procedures and conducted a complete and thorough investigation into this matter Citi would have found this billing dispute as valid and provided a refund to me as the consumer. A complete and through investigation into this matter should have included reaching out to the merchant and obtaining a response prior to 90 days after the dispute was initiated, a complete review of all responses submitted from the customer, and advising the merchant that in order to conduct a proper investigation into this matter Citi requires documentation of a signed contract and proof that their non-refundable deposit policy was properly disclosed to the consumer prior to the deposit transaction.
|
| 10/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I recently moved to another state across the country, and to move my belongings, I chose XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. This was my first time using a moving company, and due to the nature of my sudden job offer, I had to book a move within one week or so. Unfortunately, I chose a moving company that simply delivered extremely poor service, and violated their promises verbally and in the text contract. I was misled, overcharged, their promised delivery was two weeks late, and many of my possessions were damaged or lost forever. During and after the move, I called their customer for days and days and days, hoping to get some sort of resolution. This company/merchant does not operate in good-faith, and they refused to make things right.
After filing complaints with the XXXX, XXXX, and the merchant 's required third-party claims reviewer " XXXX '' ( a non-reputable company ), I had exhausted all of my options. As a last resort, for the first time in my life, I filed a dispute for the initial deposit charge that was processed on my Mastercard credit card issued by Citibank. This amount was only a few hundred dollars, quite small compared to the several thousands of dollars that I had to pay to my merchant in total via check or cash, but it was the only amount that I believed that I had any sort of protection on, as it was a credit card charge.
Unfortunately, Citibank 's dispute process managed to entirely dissuade me of this notion that I would have any consumer protection. To-date, it has been over 2.5 months since I first filed my dispute with Citibank, and at every stage, the process has been slow, the communications have been delayed and incoherent, and the reasoning has been illogical. Citibank marked the investigation as complete, and sided with the merchant, even though they never even asked me for my side of the story or my documentation. I was the one that noticed that the dispute was closed, and I was the one that had to call-in for explanation, and I was the one that had to ask where and how to submit my evidence and documents.
Then, even after I submitted 10 documents totaling well-over 80 pages of material, with ample proof and evidence, and with clear discussion showing that the merchant had provided Citibank with forged documents, Citibank marked the investigation as complete and again sided with the merchant. When I called-in for explanation this time, they were asking for a 'valid credit slip, ' which was something that came out-of-the-blue and had never been mentioned up to this point, and that without this mysterious document, they could not intervene on my behalf. I did not even know what a 'credit slip ' was referring to, and the agent I spoke with was also confused. Eventually, he figured out that they were asking for a sales receipt or proof-of-purchase. Fine.
I submitted my electronic invoice, and for a THIRD time, Citibank marks the dispute case close, siding with the merchant. Again, they are still asking for a 'valid credit slip. ' I ask the new agent to define this, and she states that it is an admission from the merchant that I would be refunded. This is an entirely different definition than what I was told initially. Obviously, I do not have such a refund admission from the merchant, because the merchant does not operate in good-faith, and the only reason that I filed a credit card dispute in the first place was because I had tried and failed to work things out with the uncooperative merchant.
In the Citibank Executive Response Unit, I spoke with XXXX/XXXX/XXXXXXXX, and at-last, she admitted on our phone call that she sees exactly what I am talking about with regards to my faked signature and faked delivery date in the merchant 's documents that purport to support their charge. But then, she went on to insist that THIS DOES NOT MATTER for the dispute. How in the world does it
not matter that the merchant clearly and unambiguously lied and submitted forged documents as evidence to support their charge in this dispute case? Citibank has been more than happy to oblige the merchant at every stage, in spite of this. It is simply baffling.
XXXX? also tried to intimidate me against filing a complaint with the CFPB. She stated with an arrogant and dismissive tone that any CFPB case would be sent to her in the Executive office, and she would make the exact same decision against me as she did already. This is yet another instance of totally unacceptable treatment of the consumer, of Citibank 's customer. It would be astonishing if Citibank indeed assigns this CFPB case to XXXX?, despite her clear
conflict of interest. But it would be par for the course of Citibank 's treatment to me, of someone who has been their customer for years and has always paid bills on-time, and has never filed a dispute before in his life.
Citibanks indifference and lack of consumer protection and advocacy on my behalf is beyond disappointing.
There is so much more to be said. I have written a much more detailed document that I have attached below. PDF file 0_ is my letter to the CFPB that explains the entire situation and Citibank 's mishandling of my simple dispute case. I am also providing *all* of the documents that I submitted to Citibank, *all* of the documents that the merchant submitted to Citibank, and *all* of the letters/notices that I
received from Citibank throughout this process. The CFPB can see for itself just how clear this dispute truly is.
|
| 04/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
YOUR HONOR I had XXXX XXXX XXXX XXXX in XXXX . Concerned for my health and our future my wife, who is XXXX and retired had read the article on the HARP Program. We called citimortgage and started the process. We had to do that four times before we finally got into the system. We were not behind even one month when we began this process. We we strung along for 2 years before we sought legal help. After finding that the attorney 's representative had forged our signature, we searched for another attorney and eventually spoke to an Attorney XXXX who was an associate of XXXX XXXX XXXX . After a few months months of not hearing anything, we called the office to find out that Attorney XXXX had been fired and we were now assigned Attorney XXXX . So easily 4 more months of our time was wasted by incompetence. Once again we were promised the world. However it was just more and more confusing paperwork, emails and letters from the bank. It was difficult and confusing to make sense of and keep up with the requests. Most often it was extremely difficult to distinguish what was new and what was a duplicate request. Due to my wife 's illnesses, her memory is greatly affected and we thought perhaps having our son XXXX XXXX step in to assist us, would make things easier. It helped clear some of the confusion but the same ridiculous requests kept coming. For instance we were told it was being held up because they needed a letter stating we did not belong to a community association. After 3 years they decided they needed this??? This was never listed on the original information request, why now? Most recently we had to provide a letter that we had no stocks, bonds or annuities. Never asked for it before in 4 years. If it was necessary why did n't attorney XXXX ever ask for it? Did he purposely withhold this request to drag the time longer in order to inflate our bill? When I contacted the State of CT Banking Commission, Attorney XXXX decided that he could no longer work with us and filed a motion to withdraw with the court. After paying him $ 15,000+! All for nothing. The emails and phone calls were coming from the para legal XXXX , not even Attorney XXXX . Emails went unanswered as if we had no right to question this process after 4 years! Yet we have received and paid towards bills in excess of {$15000.00} with no clear explanation what it 's for because we have seen absolutely no results. This is also not the first time we were intimidated with a motion to withdraw. It 's been done before when they wanted payment. Rather than just call they preferred scare tactics. Is there no time limit on the modification process? They come back every three months asking for updated info. It would not be outdated if the bank was doing its job. This has caused so much stress and worry in our home. Not knowing if we will have a home or not. I think you would agree that fours years of building stress is more than anyone should have to deal with. Why does the paperwork now list XXXX XXXX and not citimortgage as our lender? Has our account been sold without our knowledge? If I understand correctly, if our account was given to them, without our knowledge and for the purpose of pursuing foreclosure, they are wrong. We also seem to have two different processes going on here. One seems to conflict the other. We have recently noticed a misspelling in our last name and wonder if that 's how we ended up in foreclosure BECAUSE we continue to get offers from citimortgage, monthly, to apply for the HARP Program. I would think that the status of our account should show we are in modification. The left hand does not seem to know what the right hand is doing. You ca n't talk to anyone at C iti without making a telephone appointment and that could take up to a week for a response. Even then, we are only told what paperwork needs to be updated. We are at the point that we just automatically send them pay stubs, etc weekly. We feel th at four years is in gross excess of this process. If they were going to say no they could have done that long ago instead of running up mortgage balances and attorney bills. Attorney XXXX has done nothing to move this along. His paralegal emails and calls to give us the same exact information we just received in the mail from the bank. He has attended a few remediations and sat there and nodded his head to what we would say. We lost faith in him a long time ago. We just did n't know what else to do. Now we find out from the banking commission that we should have been working - at our lawyers recommendation- with the XXXX housing counselor. That was never told to us. We have always been good, hard working people. We do n't deserves this. We were trying to take advantage of this what sounded like a promising government program and it 's been dragged out so long that now we are in default. Had we known this is what would happen we would have never done it. We feel we have truly been treated unfairly by all parties concerned. Our house is set to be sold on XXXX XXXX . We are going to court on XXXX XXXX to try to get a 90 day extension to attempt to continue to fight this. Any information you can provide us would be greatly appreciated. Thank you so much for doing what you do. Sincerely, XXXX XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX XXXX , CT XXXX XXXX XXXX XXXX XXXX
|
| 10/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Below are the details of my issue- In summary, I had credit card fraud done by two Jewelry District stores on XXXX.
XXXX Citi credit card alerted me of the incident and confirmed I would not be responsible.
Then they decided to deny the fraud claim on the store that charged almost {$4000.00} stating a, chip was used so therefore it is not fraud.
Their application page claims- {$0.00} liability for fraudulent transactions that you or anyone on your card did not authorize.
There is no exemption of a chip.
They said they do not want to further investigate because chips protect the merchant and they do not want to be responsible for the transaction.
I have asked for a receipt, video, proof of purchase, proof a chip was used, or even a time stamp to prove that the card could not be in these locations near or at the same time.
________________________ On XX/XX/XXXX, XXXX XXXX, I received a text message from Citibank of fraudulent activities asking if I attempted {$200.00} at XXXX XXXX XXXX XXXX on XXXX? ( Photo ) As I checked my account, 2 were in the amount of {$200.00} to " XXXX * XXXX XXXX '' Business w/ 1 pending also for {$200.00} for this same location & another one was in the amount of {$3300.00} to XXXX XXXX XXXX XXXX XXXX , which I declined all immediately and cancelled the card.
I saw the {$200.00} charges disappear from my pending list & on XX/XX/XXXX, XXXX, I received a text message from Citi Costco stating that the transaction for {$3300.00} with XXXX XXXX XXXX XXXX XXXX XXXX was canceled and wont post to my account. ( Photo ) I continued to see the {$330000.00} transaction in my account and after numerous calls, Citi said it would take more time for to be removed but it should be off before my cycle ends on XX/XX/XXXX.
Around XX/XX/XXXX, I read a letter from Citibank stating that, the cards EMV chip was used to make the disputed transaction at a chip enabled card reader. You verified that your card was in your possession at the time of the transaction, so we dont consider this fraudulent activity. & therefore, I am responsible to pay for it.
Both locations are in Downtown XXXX XXXX XXXX - according to XXXX : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX There are no times listed for the purchases in my account but Citibank said only the Police Department can call this number below to request that information & receipts : XXXX It was my 1st time using the card outside of my home at a physical merchant in a long time since the pandemic. My authorized purchases were at an appointment and gas station. They show on my bill but Citi will not provide proof of purchase, or proof that a chip was used, or the time stamps to possibly show that it would have been impossible to be at all these locations at or near the same time especially with XXXX XXXX traffic, I got the text while I was at home at XXXX XXXX, but the authorized merchants did not respond w/ any other similar issues. ( Photo ) I had to reopen the dispute a number of times because they continuously denied the claim stating since a chip was used it is not fraud. Many articles show that duplicating a chip to be used is NOT impossible if a chip was even actually used.
Citis application home page takes pride that there is {$0.00} liability on unauthorized transactions for consumer cards. It continues to state, Youre not liable for unauthorized purchases. When unauthorized transactions on your Citi consumer debit or credit cards are promptly reported, you wont be held responsible for those purchases.
There is no comment that, chip usage is excluded.
Ive spoken to the service representatives, fraud department, security department and the supervisors and eventually got a hard stop with a supervisor named, XXXX, whos stated that they do not will investigate any further or seek to provide me with a receipt or proof a chip was used because even if it was someone else, the merchant is full protected and Citi does not want to be responsible for this transaction.
The XXXX Detective I filed the Police Report with, states that they receive over 38,000+ cases like this and finds it suspicious that they would admit that one store was fraud but not the other store close by.
The owner of the XXXX XXXX said he can not provide me with the receipt and he does not have video footage. He also said, the bank needs to contact his accountant for the receipt. The bank ( Citi ) was informed this and said, no they would do no such thing.
I have been continuing to pay off my card monthly as I have al these years but now leaving the Love Jewels charge while creating interest for this charging rolling over every month.
I havent cancelled the card and continue to use it because I dont want to have a delinquent account or ruin my credit.
I am trapped in this vicious game and NOT PROTECTED at Citi claims. They are not even curious how this could have happened. They just state, its impossible to copy a chip and you have your card in your possession, therefore it is not fraud. They will not look into if somehow another card was created or any other possible rationale because as they say- they do not want to investigate and provide time stamps to prove that it is impossible for said, one credit card to be in multiple locations at the same time or take responsibility for this charge, and want to leave it to their consumer.
|
| 04/13/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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Citi Bank ended up closing my account out of nowhere. It was a brand new account ( about 3 months old ), and me and my husband decided to put our IRS tax return in this account to get some money in it. That was the only money that went in this account ever. It went in and we got to access the funds for maybe a week. Then, I transferred some of the funds over to my XXXX account to put money on that, and also my husbands bank account in his name. After that, maybe a day or two later, I tried paying a bill and it wouldnt go through. I tried logging into my Citibank account, but it would not let me log in. I ended up checking my email and thats where I seen an email from them stating that the funds are on hold and theyve closed the account for suspicious activity. I dont know the exact amount that was in there at the time, but I can tell you it was roughly {$5000.00} or above still in there. When I called Citibank to get some answers, I explained what has happened, and they said that there is no information on the account, just that it was closed for the suspicious activity. I tried asking them what exactly did I do, why can I do, when will we receive our money, etc., and they said all the information that they have was it was closed. They said that the Citibank process for something like this is 30-60 days. They said before that we will receive a letter in the mail stating the reason, along with the funds in form of a check. I tried explaining to them that we need the money, my husbands XXXX XXXX, he has a XXXX XXXX he has to pay, we have mortgage, car and all the other bills. I tried explaining what I read online about different laws for government checks and how long they can hold it just to try to speed up the process, but they said the same thing. Just a closed account. I tried explaining that the money in question was a federal tax return, with both my husbands name and my name on it, even though I was transferring money into other accounts, if they look close, they will see that one account was in my name ( XXXX ), and one was in my husbands name ( XXXX XXXX ), and they would be able to see, that the federal tax return funds that are in question with both of our names on it were being transferred to both my husband and myself which both were on the tax return. So whats the suspicious activity-still no answer. I brought up that government issued checks, including federal tax returns, cant be held for more than 10 days from my understanding. I can see if it was being transferred to accounts of a different name, but since it was the same names on the return, to me, thats holding a government check. I called them a handful of times just to hear the same exact answer- it closed for suspicious activity. The only times I got a little extra information, was one call at the end of XX/XX/2023, they said the same thing, but added they mailed your letter. But it would have came by now, so that was a lie. Makes me wonder why they were lying on a recorded line ( supposed to be recorded ). But if that was the case, that was 3-4 weeks ago from the date of this complaint, and even regular mail carrying would have got it here by now. The other time I got a little extra info, was around XX/XX/XXXX XXXX I called and received the same answer- closed for suspicious activity, letter in the mail, blah blah. But this time when they said youll receive the funds in form of check, they said that it will be with the letter. That was pretty much my communication with Citibank. The one other time I called and was pleading to them, even telling them that if anything happens with my mortgage or other bills, like late fees and cancellations, that they can pay for everything ( to me, they should be help responsible just because even a grade schooler can investigate this matter and see that all the names on the accounts getting transferred to, match up with the funds, which happen to be government issued ), they gave me all the same answers of, being closed for suspicious activity, receive a letter in the mail, receive the funds in form of check in the mail, along with saying that they dont deal with closed accounts and cant have any information on why, that is their fraud department that handles that. I then ask them for phone numbers for the fraud department, but they said they dont have a direct line, and they can only be contacted by email. I then asked for their email. They said we dont have that contact information. Thats everything that I got from them. All the information that I received. Numerous times calling them, they would just hang up directly on me even though I had questions I still had to ask. So this bank is either scamming me trying to steal my government issued tax return, or they just are the worst bank that Ive ever seen or dealt with. But this is not right. Not when its our money. And names on the accounts would tell that there is nothing suspicious about it. They should have investigated it and seen that and then closed the account. I dont even have an account number anymore. Its like Ive never had an account there. Which scares me and makes me think that they purposely try to steal money. But thats everything, sorry its so long. The only documentation I have from them is two emails stating that they found suspicious activity on my account, and that they will close it within 60 days- which was a lie too, because my account was wiped clean from the start of all of this.
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| 09/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I filed several disputes on unauthorized ATM withdrawals and unauthorized transactions amounting to a grand total of {$13000.00} made on or about XXXX to XXXX XX/XX/XXXX. I have several dispute numbers, such as : XXXX, XXXX and XXXX.
On the XXXX of XXXX, XXXX in my home in the XXXX, I received their letters dated XX/XX/XXXX, XXXX, and XXXX XXXX. In the letter dated XX/XX/XXXX, my dispute case was denied stating that all of the 10 unauthorized ATM withdrawals of a total {$3800.00} appear to be consistent with your normal banking activities, though they are not.
I am therefore exercising my right to appeal this denial of the ATM withdrawals in the amount of {$3800.00} as well as to appeal the dispute of the unauthorized charges amounting to {$13000.00}. I have yet to receive any resolution on my dispute on the unauthorized charges. Given the time it has taken, I will interpret this to mean that my dispute on this issue on the fraudulent charges has also been denied and thus I likewise appeal the denial of said charges.
On the XXXX of XXXX, XXXX, I called the Citi XXXX Department at XXXX and advised them that I wanted to appeal the denial of my dispute. I spoke to XXXX and XXXX of the dispute department and both advised me to file my dispute via facsimile.
I maintain my position that my debit card was hacked by unauthorized persons who made charges without my consent. To prove that I had no hand in these charges, I again reiterate that I never use my debit card in the XXXX as I have local cards which I use in the XXXX from XXXX. My entire transaction history from the XXXX of XXXX in which I first obtained my card ending in XXXX will attest to this. More importantly, once I learned that Citibank was of the position that it was denying my dispute, I reported the incident to XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX Police ( PNP ) on the XXXX of XXXX, XXXX.
Attached are my Complaint-Affidavit of dated XXXX XX/XX/XXXX filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearance attesting that I appeared at the XXXX to XXXX my complaint dated XXXX XX/XX/XXXX, the PNP Anti-Cybercrime Team Certification on the police report dated XXXX XX/XX/XXXX, the PNP Anti-Cybercrime Team Certification on the supplemental report dated XXXX XX/XX/XXXX. Also attached are photos comparing the fake debit card used by the unauthorized person and his fake drivers license with my actual debit card and drivers license, along with a photo from the XXXX footage from XXXX XXXX where the unauthorized person made a purchase worth {$8800.00}, and finally the charge slip which the imposter signed with a clear forgery of my signature. The photo taken from the XXXX footage clearly shows that the person who made the transaction using the fake debit card and drivers license was not me.
Supplemental report in relation to investigation being conducted by this Group relative to complaint filed by dated XX/XX/XXXX for violation of R.A. 8484 otherwise known as the Access Devices Regulation Act of XXXX as Amended by R.A. 1149 and pursuant to Sec. 6 of R.A. 10175 dated XX/XX/XXXX with XXXX XXXX no. XXXX. Initial Investigation revealed that on XX/XX/XXXX at about XXXX ) XXXX XXXX male ( 1 ) individual transacted at XXXX XXXX located at XXXX XXXX, New XXXX XXXX XXXXXXXX XXXX, XXXX XXXX to purchase gold jewelry amounting to XXXX XXXX XXXX XXXX XXXX Dollars and XXXX XXXX Cents ( {$8800.00} ) equivalent to ( XXXX ). Copy of documents pertinent to the said transaction showed that a Citibank Credit Card under the name of account holder with expiry dated of XX/XX/XXXX was used, and as proof of identity, said individual presented a Drivers License under the name of the account holder with false license number XXXX. Relative thereto, herein complainant presented his drivers license with a different license number to compare with the one presented for the transaction and found that said IDs were dissimilar. Likewise, herein complainant further averred that the signature on the invoice was not his signature. In corroboration, XXXX footage was viewed and showed that the individual who made the said transaction was not one and the same as complainant.
I have also hired a XXXX XXXX lawyer XXXX XXXX XXXX XXXX XXXX, who has reported the incident to Citibank in the United States and who has been coordinating with XXXX XXXX XXXX the Citibank Branch XXXX XXXX XXXX XXXX XXXX where I opened my account. He has not responded to inquiries since the XXXX of XXXX.
This appeal has merit because it is clearly not me who made these charges as shown in the photo taken from the XXXX and in attached photos comparing the real debit card ending in XXXX and the fake debit card ending in XXXX. A comparison of the fake drivers license with my drivers license reveals the clear and distinct differences in height, weight, license number, agency code, blood type, DT codes and even the signature used in the fake license compared with those found in my actual license attest to the merit of this appeal.
I simply do not know anymore what else Citibank will require for me to prove these charges are unauthorized. I did not make these transactions. The evidence is clear and convincing.
I await your response. You may contact me through my lawyer XXXX XXXX XXXX at XXXX, Suite XXXX at XXXX XXXX XXXX XXXX, New York NY, XXXX or via his email address XXXX, who I have executed a special power of attorney to represent me in this matter.
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| 12/30/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My complaint is regarding Best Buy XXXX XXXX XXXX XXXX XXXX Illinois.
The clerk the day of purchase was, XXXX ID number XXXX. Date of purchase was XX/XX/XXXX amount of purchase was {$1300.00} purchase items with an XXXX XXXX XXXX XXXX XXXX XXXX and a case.. I was accidentally charged for XXXX XXXX screen cover. Later on she would mail me out another free one to my home it came free but now I received a receipt stating that I was charged {$42.00} this just happen it was free there was no charge for that item the clerk, XXXX sent it to me to use while it was being shipped. That's why it was sent out on XX/XX/XXXX that's when we expected the call ticket to return it to XXXX that was actually said to Best Buy by accident and no one contacted me then we had to have another call ticket sent out a month later I received it from XXXX at my home the same place it was supposed to come the first time. Also XXXX has conveniently left out that this phone has never been activate it which was listed on my receipt somehow that was eliminated and I have enclosed both copies my original and Best Buy 's that leaves out the fact that this was broken at the time that was purchased on the ticket.
I came into the store on XX/XX/XXXX purchase the cell. XXXX the Best Buy employee noticed the screen was cracked after she activated and deactivated my phone which she reversed before I left because the phone did not work. It was minutes before Best Buy closed I had already been charged and XXXX checked for another XXXX XXXX there was none in stock so she ordered a pickup ticket for a replacement from XXXX. The store closed I left with the understanding I would receive a replacement as soon as one came into Best Buy or from XXXX to Best Buy to me. I waited almost a month no recall ticket no call from Best Buy with my replacement. I called XXXX she sent me another screen protector for FREE XXXX XXXX XXXX XXXX to hold the screen together while sending it to XXXX. It was a small notch but the night of purchase when she went to take off the case it cracked a little more. I had not use the phone I have never used the phone it's still in the box from the date of purchase. There was a black line all the way across the screen and about the same spot that the chip was in. After a month of waiting for the call ticket I was informed the ticket must have came to BestBuy and they would send another one. Finally the XXXX XXXX was going to be replaced. I again called the store and asked if I could just have a replacement they refused. So, I sent the broken cell to XXXX so that I would recieve my replacement as Best Buy promised. Weeks later, I receive an email telling me I owe {$350.00} to fix the broken screen. I refuse. I'm supposed to get a replacement?? About three weeks to a month later, in XXXX i recieved the phone back but this time it's broke even worse due to the phone being misplaced by XXXX. I again return to Best Buy I informed the manager again along with sales clerk XXXX who informs them I'm telling the truth I have never received an XXXX XXXX in working order it wasn't activated when I left and it never has been and I paid for a brand new phone with accessories. ( I was also there because I had purchased a dryer and the heating element went out in it the day after I bought it they didn't take that back either. I replace the heating element myself in the dryer at no cost to Best Buy. ) That's the other item on my credit card is the dryer. I only took out this credit card for this phone. So, it has been a year that I was told by some managers they would replace the cell some the will replace the cell and so I'm just extremely rude. I am then directed to run to a different store, where that Best Buy tells me a different story and then that manager or they will not replace, or they won't repair it for free. I tried to give back the phone and get a different one they've refused that, but they continue to charge me every month on my credit card for this phone. I have perfect credit and they single-handedly have caused multiple disputes for reporting improperly during the year long dispute that has been on my card yet I was told there was no dispute going on and no investigation but it remains on my card for a year so I had to start it over again from the beginning. I received an answer today it was a no along with my no it's a lot of misinformation. There's one receipt that says I was charged for glass for this phone but the sales clerk actually sent it to me because she was afraid it would fall apart in shipping to XXXX now it looks as if I was charged for that glass and I will be disputing that with my credit card company. I don't understand why the store won't stand behind their product. I always pay my bills on time I purchased this item in good faith that it would be in good working order and it was a brand new phone, it was not. I received a broken phone for my almost {$1400.00}. The only acceptable outcome of this for me, is Best Buy to remove the charge for this phone and accessories from my credit card with proper updating to the credit bureaus. As always, I am willing to return the phone, it's still in the box in the trunk of my car. Why would I never activate a {$1400.00} phone if it worked? I only want what I paid for. I am unwilling to accept and exchange this phone is a year old and outdated. I do not trust Best Buy after changing receipts and just the treatment I received.
|
| 08/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Add-on products and services
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Web |
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I have a Costco Citibank credit card which currently has a theft and damage protection benefit for purchases made on the card. On XX/XX/XXXX of this year a police report was filed in reference to XXXX XXXX that were stolen out of a vehicle. The XXXX were in the center storage console of the vehicle out of plain view and the vehicle was parked in my carport at my residence. I filed a claim with Citibank card benefits for the theft of the XXXX and provided the proper documentation to them including the police report as well as a receipt showing the purchase was made using my Costco Citibank card.
On XX/XX/XXXX, I received written notification that my claim request was denied for the following reason, " The item was not reasonably cared for. '' The letter further stated that my claim was denied per the Terms and Conditions, the item was not reasonably cared for to prevent the damage or theft the loss is ineligible for coverage.
On XX/XX/XXXX, I contacted the Citi Card Benefits Administration to dispute the decision for my claim, or at the very least get further clarification on why it was denied. I ended up speaking to a supervisor within the card benefits department who was able to review my claim, the police report, and the adjuster 's notes. The supervisor advised after reading all of the documentation that the claim was still going to be denied. The supervisor and the adjuster cited a specific sentence in the narrative of the police report as the reasoning why the claim was denied. The sentence they are referring to is the following " To XXXX 's knowledge, she was unsure if the vehicle was locked, but there was no forced entry into the vehicle seen. '' Based off of that sentence an assumption was made that the vehicle was unlocked. I was then told based off of that assumption, a vehicle left unlocked is not reasonably caring for an item to prevent the theft of that item.
After hearing their reasoning for the decision, I contested the denial of my claim for the following two reasons.
The first being the assumption made based off of the sentence in the police report that the vehicle was left unlocked. The report never documents with one hundred percent certainty that the vehicle was unlocked. The sentence states the owner of the vehicle was unsure if the vehicle was locked and says officers did not observe any signs of forced entry. It is fully possible the vehicle was locked and whoever gained entry into the vehicle was able to do so with burglary tools that did not leave any visible damage. Just because officers did not observe signs of forced entry does not mean forced entry was not made.
The second reason is a counter argument to the assumption the vehicle was left unlocked. Based on the assumption the vehicle was left unlocked, the verbiage in the Terms and Conditions states the item must be reasonably cared for. I reviewed a copy of the Terms and Conditions online from a link that was provided to me by the supervisor in the card benefits department. The part that addresses my particular claim stated the following " Coverage does not apply to any item if its damaged or stolen under these conditions : The item was not reasonably cared for to prevent the damage or theft '' The Terms and Conditions do not elaborate any further as to what reasonably caring for an item is. Once again going off of the assumption the vehicle was left unlocked, it was still parked in my carport at my own residence. A reasonable person would assume a higher level of privacy and security at their own home on private property. State and federal laws would also coincide with the thought of a higher expectation of privacy and security where one resides.
The definition of theft per state law in Arizona is as follows ARS 13-1802 : A. A person commits theft if, without lawful authority, the person knowingly : 1. Controls property of another with the intent to deprive the other person of such property Ironically, a reasonable person would make the argument that it is actually quite unreasonable that the person who stole the XXXX could potentially serve prison time for the theft of the property, and the victim who had property stolen from them would have their theft protection claim denied.
Needless to say, I was told by the supervisor the decision to deny my claim stood and nothing else was going to be done. I was able to speak to the adjuster who initially made the decision to deny my claim. After explaining my reasoning, she choose to stand by her initial decision still, but said my claim would be reviewed by their legal department. The adjuster said I would be contacted in 24-48 hours with a decision. I spoke to the adjuster on Sunday XX/XX/XXXX and today is Monday XX/XX/XXXX and I still have not heard anything from Citibank.
I did speak to a customer service representative in the HR department to cancel my card and explained my reasoning to this person as to why I was going to cancel my card. Ironically, after providing the previously listed experience above to him he was very apologetic and agreed that the incident was the very definition of theft and should be covered. He offered to give me additional credit for my cash back rewards, but he could not do it for the amount of the XXXX unfortunately.
It is very discouraging to have to go through so much effort for a card protection benefit when that company does not want to protect its customers.
|
| 09/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
Older American |
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This case began with the inability of Citicard AAdvantage to receive a payment from my XXXX XXXX account Citicard 's system did not accept ACH payment info from XXXX XXXX XXXX XXXX XXXX account. I was supposed to receive XXXX AAdvantage miles for opening the account and spending {$3000.00} within six months after opening it. When I called Citicard about the issue and talked to an agent named XXXX, I was promised the XXXX miles, recision of late payment and interest charges, that no info affecting my credit score would be transmitted to credit reporting agencies and that I would receive documentation of all calls and correspondence with Citicard. Citicard broke every promise made by its agent. I have repeatedly faxed multiple offices of Citicard and received no reply. Correspondence, including online chat with another Citicard representative, is pasted below.
To the attention of Citicard Presidents Office and Subpoena Compliance Dept : XX/XX/XXXX I have already sent this message to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and received no reply.
In response to the XXXX XXXX signed letter I received, I sent this message to XXXX XXXX via XXXX as well. The text of my chat with XXXX on XX/XX/XXXX follows below my letter.
I wish to pay my bill. I will once Citicard delivers what XXXX promised me on XX/XX/XXXX.
Yours truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX number : answers in EST +7 hours time zone ) XXXX XX/XX/XXXX I wish to pay my Citicard bill after Citicard responds in writing to this message.
Cardmember : XXXX XXXX Account Ending In : XXXX Member Since : XXXX Message for XXXX, senior advisor : Please provide in writing what you promised on our call before I left on my trip on XX/XX/XXXX : 1. XXXX miles in my AAdvantage account XXXX 2. Citicard will remove all penalties, late fees and finance charges.
3. Citicard will transmit no data about this case to XXXX, XXXX and XXXX or other credit reporting agencies. As an XXXX resident living under the protection of the GDPR, I control where my data goes, not Citicard.
4. Citicard will provide me with all notes taken about this case and the audio files of recorded conversations. I am an XXXX resident ( XXXX ) and under XXXX law have the right to my data. The XXXX 's General Data Protection Regulation ( GDPR ) takes effect on XX/XX/XXXX. If Citicard does not resolve this case with me before then, I will submit it to the XXXX Data Protection Office in XXXX for resolution.
5. I have spent about 5-6 hours on this case, attempting to pay on XXXX and XX/XX/XXXX, XX/XX/XXXX. I will deduct the value of my time from the amount due. I invoice my time at XXXX euros/hour and have invoices and payments from clients to prove it.
I will deal with nobody at Citicard except for XXXX, the senior advisor I talked to on XX/XX/XXXX, or another senior advisor.
XXXX truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX number : answers in EST +7 hours time zone ) XXXX You are now chatting with XXXX.
XXXX at XXXX, XX/XX/XXXX : XXXX XXXX! My name is XXXX and I am a Citibank Client Resolution Specialist. My Operator ID is XXXX. Thank you for logging on today and being a valued customer with us. How may I help you?
You at XXXX, XX/XX/XXXX : Please acknowledge receipt of this document : XX/XX/XXXX I wish to pay my Citicard bill after Citicard responds in writing to this message. XXXX : XXXX XXXX Account Ending In : XXXX Member Since : XXXX Message for XXXX, senior advisor : Please provide in writing what you promised on our call before I left on my trip on XX/XX/XXXX : 1. XXXX miles in my AAdvantage account XXXX 2. Citicard will remove all penalties, late fees and finance charges. 3. Citi card will not transmit data about this case to XXXX, XXXX and XXXX or other credit reporting agencies. 4. Citicard will provide me with all notes taken about this case and the audio files of recorded conversations. I am an XXXX resident ( XXXX ) and under XXXX law have the right to my data. The XXXX 's General Data Protection Regulation ( GDPR ) takes effect on XX/XX/XXXX. If Citicard does not resolve this case with me before then, I will submit it to the regulator in XXXX for resolution. 5. I have spent about 5-6 hours on this case, attempting to pay on XXXX and XX/XX/XXXX, XX/XX/XXXX. I will deduct the value of my time from the amount due. I invoice my time at XXXX euros/hour and have invoices and payments from clients to prove it. I will deal with nobody at Citicard except for XXXX, the senior advisor I talked to on XX/XX/XXXX, or another senior advisor. Yours truly, XXXX XXXX XXXX XXXX XXXX at XXXX, XX/XX/XXXX : Thank you, please allow me a moment to review your account.
You at XXXX, XX/XX/XXXX : complete acct no. XXXX XXXX XXXX XXXX at XXXX, XX/XX/XXXX : I apologize for the delay ; I'm still checking that for you. Do you mind waiting for another moment?
You at XXXX, XX/XX/XXXX : proceed as you need to.
You at XXXX, XX/XX/XXXX : I want written confirmation that Citicard received the fax I sent XX/XX/XXXX XXXX at XXXX, XX/XX/XXXX : I am still reviewing the notes on your account. Thank you for your patience.
You at XXXX, XX/XX/XXXX : Please read my fax.
XXXX at XXXX, XX/XX/XXXX : I do show the correspondence was received and that the request for the miles adjustment was submitted by customer service. Please send formal legal documentation requesting to release any call transcripts.
XXXX at XXXX, XX/XX/XXXX :
|
| 04/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
To Whom It May Concern : On XX/XX/2021, I disputed a {$1700.00} charge by XXXX. I sent Citicard 6XXXX pages of evidence supporting our dispute. On XX/XX/2021, I sent a letter to Citicard to further explain the dispute. On XX/XX/2021, we provided additional evidence, and on XX/XX/2021, Citicard again stated we did not have evidence to support our claim. We are writing to you as the investigation was not thorough and did not take into account the information I provided.
On XX/XX/2021, we booked a vacation home in XXXX, MT through XXXX. On XX/XX/2021 we canceled that trip as we realized the listing did not have the hot tub available as advertised on the mobile app. We booked through the XXXX mobile app which is advertised as " full featured '' and mentions one can " browse properties, plan with your group, and access your booking details anywhere - all from the app '', as well as " filter by what's important to you and your group : price, location, amenities, and more. '' After further filtering through consumer reviews ( as we were excited about the trip ), we found a consumer complaint that the hot tub was closed. We immediately contacted the owner who stated the hot tub was in fact closed. He supported this closure and not refunding us the full amount of our money by stating the hot tub description states that it is " seasonal '' in the listing. We endlessly searched the mobile app listing, and could not find this " seasonal '' commentary. We then looked on our laptop on the XXXX website that noted the " seasonal '' description. The mobile app was missing this description. We would not have completed this booking had we seen this description on the website on our laptop. We did not think we needed to double check the website as the XXXX mobile app again is advertised as full featured and that one can do anything on the app.
The XXXX company also has a " Book with Confidence Guarantee ''. I was told by XXXX that a refund is not owed to us as we can find the information about the hot tub on the website. When we explained that the mobile app is advertised as " full featured '', the representative stated a hot tub is not a " crucial amenity ''. He stated the Book with Confidence Guarantee does not include the hot tub due to the " Material Non-Compliance '' section 3 of their Terms and Conditions that states, " a temporary defect of or within the subject property or attached services ( such as failure of the air conditioning, internet, phone service, grill, hot tub, or swimming pool ). '' However, the " seasonal '' description noted on the website is not a " temporary defect ''. It is a crucial description of an amenity left out by the mobile app. I can't emphasize enough that the hot tub was a must have in booking our trip, and we would not have booked the listing if we were privy to the information on the website.
XXXX 's general Terms and Conditions also state, " If there are conflicts between the terms and conditions of the XXXX site you found the property on and the terms and conditions of the HomeAway site you finalize the booking on, the terms and conditions of the XXXX site where the reservation is finalized will govern. '' Again, we finalized on the mobile app.
We have sent the supporting evidence to Citicard as well as XXXX and the CEO of XXXX XXXX. We have been given credits of {$260.00} and {$120.00} by XXXX. We are still owed {$1300.00}. We were offered another {$300.00} as a final offer, but we did not take that because we are owed the remainder of our money in full due to the company mobile app error.
Citicard failed us in their minimal investigation. We appealed the original dispute denial, but were denied again. Citicard simply presented the information from XXXX showing our payment, the cancellation policy, and the website 's " seasonal '' description. We are owed the refund due to the above evidence that the mobile app is missing information ( XXXX admitted this ) and the Book with Confidence Guarantee. We can attach and provide written evidence to all of the above. We realize we were outside the 60 day window for a full refund, but we were also misled by the mobile app and would not have booked this property had the amenities had their full descriptions.
In order to again resolve this conflict after Citibank denied our claim, I made several other attempts to resolve the matter with XXXX. I have emailed XXXX XXXX, CEO of XXXX XXXX directly on XX/XX/2021 without response. I have asked to correspond to XXXX XXXX of XXXX directly without response. I was told by the XXXX " executive customer support '' representative on XX/XX/2021 that our case has been brought to the " Production and Feedback Teams '' but have not heard back since that email. I have emailed the XXXX " Executive Customer Support '', XXXX XXXX XXXX, and XXXX XXXX XXXX of XXXX on XX/XX/2021 asking when I should hear from the Production and Feedback Teams. I also asked for a copy of the Book with Confidence Guarantee Reimbursement Form, but I have not received a response from that XX/XX/2021 email.
We are hoping you can help us retrieve our funds. We strongly oppose having to pay XXXX {$1000.00} for the error of the company. If a consumer must check a website to verify the information on the XXXX app, then there should be a statement informing the customer to refer to the website for full accurate information.
Sincerely, XXXX and XXXX XXXX XXXX
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| 07/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XXXX XXXX, 2017, a person made purchases using our credit card information in the city in which I live. I do not know how they obtained our credit card number and expiration date information because we did not lose a card. This person created a fraudulent card and made multiple purchases at multiple stores. Citibank has not officially credited my account. They continue to investigate all the while issuing conditional credits to my account but I believe that the law states I am not liable for fraudulent charges and therefore should have my account be credited for the amounts charged and Citibank can fix their problem with the merchants. This case has also exceeded the 30 days During two hours, an individual went to three different stores. They made a purchases in the amount of {$1200.00} at XXXX XXXX, {$1700.00} at XXXX XXXX XXXX XXXX and {$1000.00} at XXXX. Upon seeing the charges on my billing statement, I immediately called Citibank and alerted them that fraudulent charges had been made and they needed to be removed. They did issue conditional credits, closed the card and then reissued a new card. On XX/XX/XXXX, I received paperwork from Citibank stating that we needed to provide more information about the charges. They specifically asked, " Please send a signed letter explaining your dispute in detail and include any related documentation. If you have a credit slip, credit memo, or credit advice from the merchant, please include a copy of the document with your letter. '' I did not have any documentation, so I crafted three letters and sent in them in the mail on XXXX XXXX, 2017. Here is my letter. 'X/XX/2017 Citibank XXXX XXXX XXXX XXXX XXXX , SD XXXX Dear Sir or Madam, I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00} at the store XXXX XXXX XXXX . I am a victim of identity theft and did not make this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive and accurate statement. A police report has been filed. I would appreciate a response from you in writing. Thank you for your assistance. ' Concerned with this development, I filed a police report on XXXX XXXX, 2017 and began to contact the three businesses, myself, to assist the police in catching the individual ( s ) who did this. I spoke to a manager at XXXX, the first store a purchase was made at, and a clerk remembered the individual who made the purchase because of their aggressive behavior ; they had demanded the credit card be manually entered in because it would not scan. This is when I found out the person had not only stolen my credit card information, they had also created a physical card. I also called XXXX XXXX XXXX XXXX and XXXX XXXX but did not receive any additional information. On XXXX XXXX, XXXX Citibank then sent a letter for us to sign and fax back for each of the three charges stating, " Based on the information available, we have closed our investigation and reversed our credit. If you still wish to dispute this charge as unauthorized, please sign the statement below : " I have reviewed the documentation. Neither I nor anyone authorized by me made this charge. '' Cardmember SignatureXXXX DateXXXX If you did make the charge but are disputing it for another reason, please provide us with a detailed explanation as to why you are disputing it. To continue disputing this charge, please return this letter with the requested information by XX/XX/2017. Our fax number is XXXX. This number is available 24 hours a day, 7 days a week. '' With this letter, they attached scanned in copies of the receipts from each purchase. Each purchase had multiple {$200.00} gift cards, the signature looked nothing like mine, and each time the card had to be manually keyed in instead of using the chip or the magnetic strip. I sent back the signed letter and gave the new pieces of information ( receipts ) to the officer working on our case. On XXXX XXXX, 2017 I received a letter stating the following. " Thank you for your recent response. We are continuing to work with the merchant to obtain credit in the amount of {$1000.00} on your behalf. Since we have reopened our investigation, we have re-instated the conditional credit to your card that will appear on a subsequent statement. Upon conclusion of our investigation, you will be notified in writing or a statement message on your account. Please retain all of your documentation. We look forward to providing you with the best possible service. '' We received a similar letter for the charge made at XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the charge at XXXX was deemed to be a fraudulent charge and a credit for the {$1200.00} was issued. I have been informed by the customer service department at Citibank that the merchants have 45 days from the time they received the last letter to respond. The 45 days for XXXX XXXX XXXX XXXX expire on XX/XX/XXXX and XX/XX/XXXX for XXXX. Though the date for XXXX 's has passed, there still has been no resolution, only a statement by a customer service agent who then said Citibank had another 5 days to issue the response to us. This all seems arbitrary. The police have not yet caught the individual but have obtained video footage from both XXXX and XXXX XXXX XXXX showing what appears to be the same man making the purchases proving it was not myself nor my husband.
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| 04/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have been a Citi Bank credit card account holder for 22 years. In XX/XX/XXXX, I noticed three fraudulent charges of {$83.00} each, on my account. I contacted the Merchant, who refused to assist or even respond to my concerns. I then contacted Citi Bank in XX/XX/XXXX. I was informed that all three charges could legitimately be disputed, but that only one could be done automatically, because the automated dispute process goes back only 18 months. The fraudulent charges were from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Citi assured me that all three charges would be handled in the same way, but that I would have to request paper statements for the two earlier charges, and then e-mail those to Citi Bank to accompany my request. They said that the XX/XX/XXXX charge would not require this step, because it was within the past 18 months and their system automatically held the records.
So, following their instructions, I contacted the proper department within Citi and requested paper copies of the two prior statements. I did not receive the statements or hear anything from Citi for several months. I requested them again, via Customer Service, and finally received them in XX/XX/XXXX, a full year after I began the Dispute. By this time, it appeared the XX/XX/XXXX charge had been resolved in my favor with the Merchant. I highlighted the remaining two Disputed charges on the paper statements, XX/XX/XXXX and XX/XX/XXXX, and sent them to the e-mail address provided by Citi Bank : XXXX on XX/XX/XXXX. This correspondence is included in my Attachments. I received NO communication, response, or resolution from Citi Bank.
I called Citi Bank one month later to inquire about my Dispute. I also repeated the question from my XX/XX/XXXX e-mail regarding the third charge. I was told that the documentation was received and being processed, and that the third charge ( XX/XX/XXXX ) had been successfully reversed in my favor. Citi assured me that, since all three charges were from the same Merchant for the same thing, the other two would be handled expeditiously in the same manner. I then heard nothing from Citi Bank. I called them again a few months later, and was told that they had contacted the Merchant and were now in the process of reversing the remaining two charges in my favor. I again waited MONTHS and heard NOTHING from Citi Bank, and saw absolutely no credits or reversals on my account.
Since Citi Bank 's Billing Dispute Department is skilled at lying by phone and performing no actual work, I contacted them next by e-mail. I literally forwarded the XX/XX/XXXX e-mail to them ( it is now XX/XX/XXXX!! ) and asked for an immediate response. Of course, Citi Bank did not respond or even acknowledge my e-mail. The address is correct and accurate, so clearly, someone in the Billing Disputes Department is receiving the messages and ignoring them. After waiting only a few weeks this time for the inevitable non-response, I called Citi Bank on XX/XX/XXXX. The Billing Disputes Department, in true form, was complete chaos. NOW, they told me that they have no record of this Dispute.
I demanded to speak with a Supervisor, so after a 1.5-hour wait, I was connected to " XXXX, Billing Disputes Supervisor '' ( Employee ID XXXX, according to her ). Totally contradicting her own employees, she informed me that they DID receive my e-mail, but it wasn't handled until " a week or so ago. '' I asked her for the resolution to that Dispute, and she said that, since it was just assigned, she would need " 5-7 days to complete the investigation and respond. '' After I reminded her that I had been waiting over a year and demanded her Employee ID number, she said she would make sure this was resolved and I was contacted within a week. Of course, SHE DID NOT.
What did she do? Apparently, she deleted the whole case. Since nobody from Citi Bank followed up, and no credit was applied, I contacted Citi again on XX/XX/XXXX. Multiple employees, including the " Manager, XXXX '' told me that they have no record of this Dispute at all ( total amount {$160.00} ). Interestingly, he was the first person to tell me that the Billing Disputes Department, when admitting they had read my e-mail and assigned someone to the case, should have given me a Case Number. The fact that they did not do so makes it abundantly clear that these criminals had no intention of ever working on this case. I then asked XXXX, on XX/XX/XXXX, about the status of the other Dispute I discussed with XXXX. This was for a {$1300.00} charge on XX/XX/XXXX, for which XXXX had transferred me to Customer Service. On XX/XX/XXXX, the Customer Service representative had ( claimed to ) submit a Charge Dispute on my behalf for this charge, while she profusely apologized for the incompetence of the Billing Disputes Department. Unsurprisingly, XXXX notified me that he had no record of this Case either.
I have never experienced such an appalling lack of professionalism and competence in my entire consumer life. To think that I maintained an XXXX credit score while these XXXX abdicated their duties for two years is incredible. I will not allow their continued negligence to affect my credit history and I will not pay {$1500.00} in fraudulent charges while they refuse to do their jobs. Yes, please do publish this case on your website to alert consumers worldwide to the joke that is Citi Bank Credit Card Services.
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| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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On XX/XX/XXXX I contacted Macys and ask to make arrangements on my accounts due to being XXXX with XXXX. The representative that I spoke with said that they could help me and returned my payment that I had made on the account the same day to me and said that I was set up on a payment plan under a hardship and that my payments would begin the next month XX/XX/XXXX in the amount of {$71.00} a month. I was under the impression that my payments would start on the XXXX of XXXX since that was a month from the date that the arrangements were set up on.My normal payment was always due on the XXXX of every month. I didnt make the payment until around about the XXXX of the next month which was XX/XX/XXXX, which was for the {$71.00} a month payment that I was set up on, I got a letter in the mail saying my account was past due in the amount of about {$220.00} and some change, I called Macys and spoke with a representative and she told me to disregard that notice because she seen where I was set up on a hardship program. The next thing I know I m being reported to the credit bearu for being 30 days late on my Macys account. I called Macys credit department to tell them that they have wrongly reported me to the credit bearu being 30 days late on my credit report when in fact I had called them to set up payment arrangements after I had made an payment that was sent back to me on XX/XX/XXXX. I was told to start my payments of {$71.00} starting the next month which would be due on XX/XX/XXXX which I thought would have been on XX/XX/XXXX since that was the date the hardship was set up on.The representative looked up my account and said that the payment was due on XX/XX/XXXX and I told her that I thought that the payment was due a Month from the day that I set up the new payment arrangement and she replied No it would still be due on the original due date XX/XX/XXXX and I said ok but it still wouldnt be 30 days late if the payment arrangement was set to start the next month and the payment that I made on XX/XX/XXXX was returned to me from the First representative that I had talked to on XX/XX/XXXX had set me up on the hardship saying that he reversed the payment that I made and that my payments wouldnt start until the next month on XX/XX/XXXX which as I mentioned before that I thought it would be due on XX/XX/XXXX a month from the date I called and set up the hardship, that would only be XXXX weeks late not 30 days. I got another bill in the mail saying that I owed {$220.00} past due again and I called to let Macys credit department ( Citi Bank ) know that I was set up under a hardship plan and that my payments would only be {$71.00} a month which had already started in XXXX of XXXX, Macys wasnt communicating with staff that I take it. This problem has been on going since I set up a payment plan with Macys. Around about XXXX XXXX, XXXX I applied for credit and was denied and I got my credit report and it showed Macys department store ( Citi bank ) reporting me to the credit bearu 30 days late for the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately called Macys once again to report my findings of inaccurate information being reported to the credit bearu every month on my credit report from them, I also told them that I have every bank statement for those months showing that my {$71.00} to Macys being deducted out of my checking account with XXXX XXXX XXXX XXXX being paid on time not XXXX days late every single month from XXXX of XXXX thru XXXX of XXXX. I told the representative that I was mentally exhausted and tired of going round & round with Macy! s and that this was going to be my last time calling if I cant resolve the issue and that I would seek legal representation to deal with this matter if it cant be resolved. I never gave them an attorneys name because I hadnt hired XXXX yet because I was trying to resolve the issue with my account for once and for all, they sent me a letter requesting my attorneys name. The representative told me that she was sending my account up to the Presidential level and let them look at my complaint and resolve it, I spoke with a representative from the presidential department, I cant remember his name right off but he told me to send him everything that I had concerning my accounts, he gave me an email that kept rejecting my emails sent to him, I called and left messages but no ever returned my calls and I got a letter from Macys around about XX/XX/XXXX saying that they they werent going to change any information on my account and also they flagged my account with the credit bureau and that if I wanted my account to be unflagged that I need to give them a call.Ive been through nothing but XXXX since i been dealing with Macys and not to mention that I am XXXX of there ( Most Valued, Loyal Customers ) as they call it when you spend so much money with them with a good payment history.I feel I have been treated unfairly with Macy! s and they think that they can ruin my credit based off of lies because I have Solid Proof from XXXX XXXX XXXX XXXX that money was taken out of my account and paid on time to my account with Macys. I feel like Ive been bullied from this corporation and that they think that I cant do anything about it, Im reaching out to you all in good faith to assist me with this matter in anyway possible to resolve this situation. Thanks XXXX XXXX.
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| 06/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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My credit card was charged by the vendor XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$11000.00} for the purchase of an aquamarine center stone and diamond ring. The ring was advertised and valued at {$68000.00}. After engaging a reputable local appraiser, I discovered the ring was falsely advertised as an aquamarine and dimanond ring. It was in fact a topaz and diamond ring of a much lesser value ( approx. {$7900.00} ). I engaged the seller who recognized the mistake, took the ring back and acknowledged to refund me the {$11000.00} on XX/XX/XXXX. As of today I did not received the refund.
I opened a dispute with citicard on XX/XX/XXXX and provided very detailed documentation of the purchase ( 28 pages in total ), appraisals of the ring, confirmation of the return of the ring to XXXX XXXX XXXX and email traffic between me and the seller, who acknowledged receiving the ring and to refund me the {$11000.00}.
I called and chatted with the citicard dispute office in 3 occasions just to make sure they had everything they needed. The answer was always yes and that they would come back to me with a resolution.
On XX/XX/XXXX, without any previous notice, I received an email from citicard that 2 of the 28 pages I've sent them were not readable and declined my dispute. The {$11000.00} were back on my credit card. I called citicard dispute office to verify my next step and after receiving instructions I resubmitted all the documentation again with a " more readable '' version of the two pages they were questioning about. I called and talked to two dispute specialists again who ensured me that all the pages now were readable and that another specialist would get back to me in a few days. The people I've interacted with so far don't seem to even read my emails or the documentation I've provided. One of them even told me that my documentation never made it to the seller financial institution. Between XX/XX/XXXX and XX/XX/XXXX nobody at citicard even looked at the details of my dispute.
This should be an easier resolution considering I've returned the ring to the seller and I've the message from the seller acknowledging the ring was not a center stone aquamarine but a center stone topaz ring of a much lesser value. I even have provided the message from the seller who agrees to refund the {$11000.00}. I'm not confident in the ability of citicard to handle this issue properly. I've been a valued customer for more than 15 years and in those 15 years only two disputes for less than {$40.00}. I was not expecting such poor customer service.
For additional clarification about this issue, see details below of the opening statement I've provided to Citicard ( additional documentation to support my claim can be provided as needed ) : I've purchased from XXXX XXXX XXXX, owner of XXXX XXXX XXXX, a ring that was sold and advertised as an aquamarine and diamond ring valued at {$68000.00} ( I have the XXXX appraisal report that XXXX provided as documentation ). The ring was sold to me at {$11000.00}.
When I received the ring, I had the impression that the center stone was a lot darker than the pictures XXXX XXXX send me and I decided to engage a reputable and certified XXXX appraiser to validate the authenticity of the ring ( XXXX appraisers are the only recognized appraiser service in the country ). When I initially purchase the ring the seller told me that the ring was coming with a XXXX appraisal, not an XXXX appraisal which is the one they provided. I got nervous and decided to engage a local reputable appraiser. My appraiser documented that the ring was not an aquamarine, but a topaz of a much lesser value and some of the diamonds were questionable. His suggestion was to return the ring because he didnt think this was a reputable seller.The value of the ring based on my private appraisal was approximately {$7900.00} and assumed the diamonds were real, which he doubted strongly but some of them were so small he could not tell.
After this discovery, I tried to contact the seller without success. The phone number was disconnected. I was able to reach by phone the XXXX appraiser the seller has engaged, who was shocked to hear what happened and ensured me the ring he has appraised was an aquamarine. He also told me he would contact the owner of XXXX XXXX and would make sure he would call me back.
When I was finally able to talk to XXXX XXXX ( the owner of XXXX XXXX XXXX ) via phone, he said the ring was authentic and ensured me that my appraiser was mistaken. To prove my appraiser wrong, he agreed to do a XXXX appraisal himself, free of charge for me, just to show me that his XXXX appraisal he originally sent was accurate. He also agreed to refund the full {$11000.00} if the ring was in fact a topaz of much lesser value ( I have documentation of this ). I then sent the ring back and was received by XXXX XXXX it on XX/XX/XXXX.
The XXXX report came back to XXXX XXXX and I got confirmation from him that my appraiser was right : the center stone was in fact a topaz and not an aquamarine. I asked for XXXX XXXX to honor his commitment to refund me the full amount of {$11000.00}. He was apologetic and said he would issue a credit immediately. Since then, not only XXXX XXXX has not returned my messages and calls, but the credit has not been issued, as hes committed to do. Not only he's the ring, but he has my money.
|
| 10/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
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On XX/XX/XXXX, the CitiGold MasterCard on which my spouse and I were the sole cardholders was used to make two charges in the amount of {$1000.00} each at XXXX XXXX. Neither of us made or authorized the charges or had ever heard of XXXX XXXX. That day, I received a call from CitiCards on the phone number associated with the card, saying that the two charges described above had been made and that an attempted third charge had been denied. After I responded that neither I nor my spouse had made or authorized any of the charges, the account number was cancelled, and the two charges of {$1000.00} each were credited back to the account pending investigation.
On XX/XX/XXXX, I received a phone message at the number associated with the card from a person who identified himself as XXXX, a fraud investigator for CitiCards. When I returned his call, XXXX said that to continue his investigation of this incident, he would need copies of my and my spouses drivers licenses and that he would send two email messages with the information needed to transmit the license copies to him securely. By the time I was ready to send him the copies on XX/XX/XXXX, no emails had arrived from XXXX and when I called the number he had given me, he did not answer either on that day or on XX/XX/XXXX. Both days, I left messages on XXXX voice mail to say that the copies of the drivers licenses were ready to be sent and that I needed the promised instructions, but my calls were never returned and I never received the promised emails.
Although neither XXXX nor anyone else at CitiCards had followed through on his purported attempt to investigate, on XX/XX/XXXX, I received the attached letter from CitiCards dated XX/XX/XXXX saying that their investigation was complete and that the two disputed charges of {$1000.00} would each be rebilled to my account.
Shortly thereafter, I contacted XXXX XXXX, a Personal Banker ( and later Branch Manager ) at the XXXX XXXX XXXX, New York branch of CitiBank, to say that neither my spouse nor I had made the disputed charges, that neither XXXX nor anyone else had followed through on his purported investigation, and to ask that the two charges of {$1000.00} each be refunded. In response, Mr. XXXX made a notation on-line to escalate the investigation XXXX his phrase ). A few months later, I discussed the matter with him again and again he escalated the matter.
After no one at either Citibank or CitiCards followed up on Mr. XXXX escalations, I sought an appointment with XXXX XXXX, CitiGold Relationship Manager at CitiBank at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, in XX/XX/XXXX. When my spouse and I met with him on XX/XX/XXXX, Mr. XXXX found out, after several phone calls, that XXXX had failed to follow up on his purported investigation because he had left CitiCards. Instead of informing me that XXXX was no longer an employee and referring me to another person with whom to pursue the investigation, Citicards had summarily concluded that I was responsible for the two charges of {$1000.00} each.
After learning of CitiCards dereliction in regard to XXXX, Mr. XXXX advised me to write the attached letter dated XX/XX/XXXX to XXXX XXXX, In care of : Presidential, advising them of my repeated efforts to resolve this matter and requesting that the {$2000.00} that had been wrongly billed to my account be refunded. In response, a CitiCards Investigator telephoned me to say that she had been unable to reach XXXX XXXX because the telephone number listed on their website had been disconnected. Although she had not contacted XXXX XXXX or done anything else to investigate, the investigator nonetheless concluded that fraud was impossible and that the two charges of {$1000.00} must have been made with my wifes card because the card had an embedded chip and had admittedly been in my wifes possession at the time the charges were made. To the contrary, security professionals, including those whom my wife taught in a XXXX XXXX in XXXX XXXX and XXXX from 2004 until her retirement at the end of XX/XX/XXXX, are aware that ( 1 ) the numbers of all credit cards in the United States are digitally stored, ( 2 ) the ease of hacking a credit card number does not depend on whether it is associated with an embedded chip or a magnetic stripe card, and ( 3 ) chip duplicators have been in existence since the introduction of chip-and-PIN cards in XXXX in XX/XX/XXXX, enabling a hacker who obtains the credit card number of an embedded chip card to embed it in the chip of another card.
In the enclosed letter dated XX/XX/XXXX, XXXX XXXX of the Executive Response Unit, Citibank, N.A., Office of the President, endorsed the investigators fallacious reasoning and manifest ignorance of the security problems with chip cards, stating that my spouses card which had an embedded chip, was present for the two {$1000.00} XXXX Multiservices charges billed on XX/XX/XXXX. Because you confirmed that both you and [ your spouse ] were in possession of your cards when these charges were transacted, we consider the charges to be valid.
Either cynically or recklessly, the letter advised that I would need to contact the merchant directly if I wished to dispute the charges further. Unsurprisingly, when my spouse and I made repeated calls to the number listed on the XXXX XXXX website, we found, as had Citibanks investigator, that the number had been disconnected.
|
| 02/24/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
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On XXXX XXXX XXXX, I received a call from Citibank regarding a number of charges on my account. I confirmed that I did not make any of those charges. They said no problem, put a block on my account, opened a Fraud case and sent me a new banking card. Once I got the new card, my account was unfrozen and I received my money back within in a few weeks.
Sometime in the summer of XXXX, I again got a call from Citibank asking me about a charge on my account. I confirmed that this was not me. This time it was only one charge as opposed to several charges like the first time. However, the same process happened - froze my account, opened a Fraud case, sent me a new a card, I got the money refunded in a few weeks. However, at this point, I specifically asked the representative who called me whether it is possible that the person stealing my money had my bank account number instead of my ATM card number. It just seemed suspicious to me that after being a Citibank member for so long, this would happen to me twice in less than a year. The representative told me that the person was likely just trying to charge my bank card, so I just needed a new bank card. At no point was I instructed to open a new bank account and I was assured that my card was the problem.
Then on XXXX XXXX, XXXX, I again got a call from a Citibank representative asking me if I was trying to make a charge for about {$200.00} at a XXXX in XXXX, Colorado. I told them no ( I don't live in, and have never even been to, Colorado ). The representative said they would send me a temporary password for my bank online access, would be freezing my account and sending me a new card. A few minutes later, I got a second call from Citibank asking me if I had requested a temporary password. I explained that I was just on the phone with a representative who was supposed to be sending me one, but I never received it. While I was on the phone with this second representative, over {$2000.00} was stolen from my account through 12 unauthorized XXXX transactions to someone named XXXX XXXX. I do not know a XXXX XXXX. The representative told me that my account was being frozen and blocked online access to my account. After this, I called Citibank myself about 1.5 hrs later, just to be told that a Fraud claim was never initiated with either of the first two people I spoke to. This third representative told me my phone number had likely been spoofed and that whoever took my money had online access to my bank account most likely through my phone number, and that it was important to open a new account. This turned out to be a hassle in and of itself. The new account was blocked pending an unspecified " bank request ''. I had to go to a physical branch and even the personal banker couldn't get a straight answer from the Fraud department on what the " request '' was. At one point, after being on hold for like 20 minutes, the call got disconnected and the banker showed me the call notes that said the call was disconnected because they could not hear one another on the line. We called again and got an automated message saying the Fraud department was now closed. So basically, we got hung up on because the representative on the line wanted to leave for the day and lied about it in the call notes. I ended up having to close this new account and opening yet another ( now third ) new account.
After all of this, I called the fraud department on XXXX XXXX for a status on my fraud claim just to be told that my claim was denied for reasons that the representative could not tell me because it was " Confidential ''. Rather the reasons would be explained in a letter that was sent to me on XXXX XXXX ( I never received this letter ). He asked if I wanted to appeal, I said yes, he hit a few buttons on his keyboard and said okay, your appeal is submitted. I was stunned, and didn't understand why my claim was denied, or what I was even appealing. I asked him for more specifics on what I could do to succeed on my claim other than just saying I am appealing. He placed me on hold to " review my account '' and while on hold the call was disconnected. I called again and the next representative told me that the claim was denied for " lack of documentary proof ''. I don't understand how I can prove through physical documents that I do not know XXXX XXXX or that I did not authorize the XXXX transactions.
I am appealing the denial and submitting proof from my call logs that I was literally on the phone with Citibank while the XXXX transactions were being made. I am also filing a police report, though I doubt that's going to lead anywhere. I just don't know how else to prove that I did not authorize the XXXX transactions. Overall, I am making this complaint because this whole entire process with Citibank has been a total nightmare. I have been put on hold for anywhere between 30-60 minutes at a time, been transferred to a different department almost every time I call, I have been hung up on a ridiculous amount of times, and have been told different things by different representatives. There is absolutely no proper guidance, they do not follow up, and take actions with virtually no explanation to the customer. I have been with Citibank since XXXX, but after my appeal is over - regardless of whether or not I get my money back - I am closing my accounts. I never want to deal with them again.
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| 09/07/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had been attempting to pay off my Best Buy credit card and was contacted by a collection agent in XX/XX/XXXX to set up a payment arrangement. I did, for {$50.00} a month. Sometime later, Best Buy also contacted me to set up a payment arrangement, and I thought it was strange because I thought I had already set one up, but I made an arrangement to pay {$50.00} a month because I wanted to get the debt paid off. In XX/XX/XXXX, I realized I was making two separate payments and I called Best Buy to cancel one of the {$50.00} arrangements, and I complained that I had overdrafted my checking account as a result of that error, and that they should know what is going on with one of their credit collection agents. They removed their {$50.00} autorecurring payment, and I do n't recall if they credited my overdraft. Then, inXX/XX/XXXX, I received an email that I received a late charge from Best Buy and I did not know why because I had an automated payment from their collection agency to pay on the same date every month. Upon review, I had been being charged late fees since XX/XX/XXXX because the payment arrangement date had been set up 2-3 days after the due date of the credit card. I contacted Best Buy on XX/XX/XXXX and spoke to a very nice woman who understood the situation and agreed to refund the most recent month (XX/XX/XXXX ) because that was as far as she could go back. Beyond that, I would have to go through their dispute department. I did call their dispute department, and they said that I had to contact the collection agency because they were making the payments late. I stated that it was Best Buy 's responsibility to be in communication with the collection agency to ensure these arrangements are made on time so that customers do not get late fees. That is common sense. They insisted that I had to call the collection agent, so I did, and after they made me listen to a recording of my original phone conversation with their agent to set up the arrangement, they found that they had said nothing about having to set up the arrangement on a specific date to avoid late fees. Of course, I would assume that the debt collector would have the latitude to set up arrangements when needed. Once we established that I had not been told when I had to set up the payment arrangements, they reviewed my account and stated they had no record of any late fees and had not been contacted by Best Buy and so they had no indication that my payment arrangement was a problem. The manager I spoke with, whose name was XXXX I believe, agreed to make a 3 way call to Best Buy to discuss the issue. The representative unfortunately had to terminate the call due to feedback, but insisted that we contact him directly. When we attempted to call again, the representative at Best Buy refused to transfer us to the agent we were speaking with. I called them myself, once again, and for over an hour explained the situation. The woman had difficulty understanding English, as the call center was in XXXX, and I had to repeat myself several times even though she was insisting that the issue was with the collector. I was adamant that it was Best Buy who was responsible, as the collection agent was not aware of any error. She then told me, after speaking with her for over an hour to explain the situation, that I had to put my complaint in writing and fax it to their dispute department. I stated that I should not have to jump through any more hoops on the issue and that she should file a report based on her notes from the call. She refused.
After I faxed my written complaint to the dispute department I heard nothing, for 6 weeks, so I called the dispute department again. At first the agent told me that I would have to wait for a response but when I told him I had already waited 6 weeks he reviewed my account and said that the issue had already been resolved. I had been speaking with XXXX, agent # XXXX. He stated that I had been credited one month and that resolved the dispute. The amount he was referring to was the XX/XX/XXXX credit that was issued from the first woman. I stated that I had filed the dispute regarding the amounts I had been charged apart from XX/XX/XXXX 's fee and he repeated that the issue was resolved. I stated that it had not been resolved and I wanted to talk to a manager. I then spoke with XXXX # XXXX and he stated that the issue was resolved and that if I wanted to dispute the other amounts I would have to file another claim and wait another 6 weeks. I stated that the original dispute had never been resolved and they should simply reopen this dispute. Again, I should not be put through more hoops due to their negligence. He stated that if I did not want to follow the process that was my problem. I demanded to speak with his manager and he said there was no one above him.
I refuse to submit a new complaint. I have paid off what I owe on the account but have refused to pay the charges that incurred from those late fees since XX/XX/XXXX. Best Buy is not only responsible for the remainder due but I expect letters sent to the 3 credit reporting agencies as to the fact that I was erroneously charged. I was down to 30 some dollars which I paid in XX/XX/XXXX. The account is now supposedly up to {$1800.00}. I am not responsible for one penny of that money and I expect an immediate apology from Best Buy and the clearing of my account.
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| 05/01/2018 |
Yes |
- Checking or savings account
- Savings account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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I have had a checking and savings account at Citibank for approx 30 years. As far as I know, during all this period, the accounts were " linked '' -- ie, funds could be moved from one to another. In past years, I worked at a firm that had some sort of business relationship with Citibank under which the bank would pay some quantifiable amount of interest on amounts maintained in the savings account. For this reason, I typically tried to maintain as much money in the savings account as possible, and shift funds to checking only to the extent needed to pay bills.
At some point ( I think following financial crisis in XX/XX/XXXX ), the amount of interest paid on money in the savings account went down drastically, to a mere nominal amount -- a few basis points. From that point going forward, I just kept the majority of funds in the checking account, and only a nominal amount in the savings account, as I felt there was no real value in keeping funds in savings.
In XX/XX/XXXX, after receiving numerous requests from Citibank for us to " go paperless '', we checked the box online and went paperless -- ie, written statements were no longer mailed to us.
In late XX/XX/XXXX/early XX/XX/XXXX, I received an email from Citibank saying that my savings account was overdrawn, and an overdraft fee had been assessed. I talked with my wife, and we confirmed we had not removed any monies from the savings account, so I called Citibank to see what was going on.
Citibank told me that when we " went paperless '' in XX/XX/XXXX, Citibank " de-linked '' our checking and savings accounts, and began taking $ XXXX/month out of the savings account ( apparently because Citibank has a policy of charging $ XXXX/month for a savings account that does not contain some minimum amount of funds or is not linked to a checking account that maintains such minimum amount -- please note that I'm confident that whatever minimum level they required, we always had sufficient funds in our checking account ) each month.
Apparently, by XX/XX/XXXX Citibank had completely emptied the savings account, but they assessed an additional $ XXXX/month fee on the XXXX balance account, which they withdrew from our checking account, AND they charged us an overdraft fee of {$34.00} for withdrawing money from our checking account to pay the {$25.00} fee! This is when they notified us of the overdraft fee they assessed against the savings account they has XXXX XXXX out, and that they had withdrawn these funds from our checking account.
I told Citibank this was unacceptable, and it seemed criminal to me, and I demanded that they return all the funds they had taken from our savings account from the time they de-linked our accounts in XX/XX/XXXX, and reverse the overdraft fees they charged us. They refused to refund any of the amounts they had taken from us. I told them I would take whatever action I could to force them to return the monies they had taken from us, and that I believed they were effectively converting/stealing this money from us, which was clearly wrong. I also told them I would take steps to close my Citibank checking account ( and explained this takes some time, because we pay many bills electronically out of the checking account, and do not want to close the account before we are sure these bills are set to be paid in another way ), but that I wanted to close the savings account immediately. They assured me they would close the savings account immediately ( and that although they would not return any of the money they had taken from us, because the savings account would be closed there would not be any more fees charged in relation to the savings account, because it would be closed ).
We just received a statement from Citibank for this past month 's activity, and it shows the savings account as still being open, and also shows that they have continued to assess the $ XXXX/month fee against that XXXX balance account, and an overdraft fee of {$34.00} for their taking money out of our checking account to pay the {$25.00} fee!
I am writing to ask for your help on two fronts. First, I would like your help in forcing Citibank to return the money they have taken from me and my wife -- I estimate this amount to be approx {$500.00}. Second, I suspect it could be helpful to others if you investigate this further -- however/whatever they are doing to de-link customer accounts when the customers " go paperless '', and then charge those customers fees for holding insufficient funds in one of the accounts, may well be going on broadly, and it may affect numerous bank customers.
It seems unlikely to me that this kind of thing would be an isolated issue, and seems to me that when funds are systematically removed by Citibank from dormant accounts ( I don't think I have added or removed funds from our savings account for years ), with such removals being characterized as " fees '', until such accounts are emptied, and not even stopping then, but instead then pulling funds from someone's checking account to pay these " fees '', and at the same time assessing additional " overdraft fees '' for doing so, this must be done with some knowledge/intent by management. To me, this type of behavior by a federally licensed fiduciary seems criminal and should be stopped.
Please let me know what you can do to help me. Thanks for your time and assistance.
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| 11/07/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I want to start off by saying that I have been harassed by XXXX XXXX through judgements, wage garnishments, and letters that i did n't agree too. In XXXX XXXX there was a civil warrant issued against me because XXXX XXXX went to court and had a judgment placed against me for some old debt of mine that they supposedly had purchased from the original creditor. Then the following year in XXXX XXXX they persisted in having another judgement placed against me for another debt that they purchased from either the same or another creditor in which another civil warrant was placed against me. I wasnt aware that i was ever summosed to court until about 2 years ago when i had a garnishment sent to my employer who in returned informed me. I was in a situation in that i had to go and file a motion to stop the garnishment at the courts in XXXX Tennessee. At that time a court date was set. When i went to court, i had no idea about my rights in a matter such as this. I agreed to pay XXXX XXXX month at the time because I did n't want my wages garnished and I did n't know what else to do. I could n't afford a lawyer and I could n't take off work because I needed the money to pay my bills. At the time I was working 20 hours a week and my check was about {$420.00} every two weeks. I had to young kids at the time. But to make matters worst at that time, the man who was representing XXXX XXXX who was present in the court room asked the judge to increase the amount that I agreed to pay and He said that {$25.00} was to low of a payment. He told the judge to increase it to at least {$40.00} a month instead of {$25.00}. Talk about money hungry! When I left court I decided one day that i would investigate and research to see who these people really were and how do I owe them. I sent them letters that i have included in this complain requesting some kind of documentation that i signed a agreenent or contract or that they have any documentation showing me that i owe them.They have been on my credit report for like 8 to 9 years. But this debt they are trying to collect is way past the statue of limitations according to Tennessee law. This bill is around 10 years old according to the letter XXXX sent me in response to a previous letter i sent them requesting proof of me owing this debt to them. I also have attached this letter in this complaint form as well. It states when i suppodly opened the account, when XXXX XXXX saud that they bought it etc ... I have soo much more to say however it will take too long. Going through a situation like this it has taught me a valuable lesson. KNOW YOUR RIGHTS AS A CONSUMER AND AS A INDIVIDUAL! I felt like I was in some sort of financial prison and I was never get out dealing with XXXX XXXX. I also want to clarify that i have attached documents that i would like you to review closely. At the top it has in bokd letters Civil Warrant it has the following dates stamped on this document : XXXX XXXX, XXXX XXXX, XXXX ... XXXX XXXX, XXXX and XXXX XXXX, XXXX ... Notice i have two copies of the same civil warrant with case # XXXX ... XXXX One was handwritten fir me to appear in court on XXXX XXXX, XXXX ... Even if if I was served with these papers I would n't have known which one was the real one. I questioned this. Now I was given these papers by the courts in two different occassions. The debt is soo old even the 3 credit bereaus decided that enough was enough and they removed it off my credit. were make matters worse I was n't served personally with neither civil warrant. I said this because I had no knowledge of neither warrant to appear in court. If i was aware of these two civil warrants/ judgements because if I wouldve I would 've took care this matter at that time. for years, then they sent me letters talking about a settlement in which they stated that i agreed to but that was very untrue. XXXX XXXX took out 2 judgement against me, according to 2 affidavits in the year XXXX, that I purchased XXXX XXXX which I included in this complaint. In mu conclusion, XXXX XXXX have tried to sue me for 2 different debts. They ( XXXX XXXX ) are continuing to bring up reaged debts to collect money from me. I have been back and forward downtown to seek legal help on this matter which is costly because I have to leave work early, pay for gas, and spend lots of time filing and money paying forms for things that I should n't be paying for. I really fill like I was improperly served, and my lack of knowledge not knowing my rights were at the time token advantaged of. I am still going back and forward to court for the same two cases.. Did I mentioned that XXXX XXXX had continually ruined my credit in the past. I have copies of old credit report in which XXXX XXXX reported monthly negatively to cut my credit down. I have been denied credit in the past because of XXXX XXXX. Also I have included some of the documentation in which I have in my possession. If you need more I could fax or send more for proof ... I am also schedule to go to court XXXX XXXX, XXXX on these debts from 10 years ago. I have to take off work, that cost money, i have put more gas in my car that 's more money, i have to pay for parking, that 's more money, i have to maybe pay court cost and fees that 's more money. I have kids to take care of. What are these people trying to do ... I have to live took. XXXX XXXX Help Me! Please!
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| 05/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
Older American, Servicemember |
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We're two severely XXXX seniors, and I my son 's XXXX for over 15 years! I've had great credit score as of and up to a year ago, precisely, when upon moving to this XXXX XXXX XXXX, its government failed us, intimidated us, spied on us and even subjected us to criminal acts by the so-called Adult Protective Services & IHSS! My credit score had been and was XXXX! We moved from XXXX 8 miles away, and was not treated this way, or any other place, ever!
When on my last XXXX truckload I had to unload by myself? IHSS so called representative XXXX XXXX, showed up, unannounced, without any kind of notice, when she was told I no longer live at the XXXX rental address without due process she terminates me on XX/XX/2019! In addition, I had not changed my mailing address and have at least ten days to report a change of address. I have been in dispute since them with IHSS and has lead me to XXXX XXXX and a domino effect of ONLY the liberal banks like XXXX and Citi Bank, either slashed my limits or turned my credit cards off. JUST FOR THESE ONE INCIDENT IT'S TOTTALLY NOT MY DOING BUT THE BANKS INDICATED AND XXXX XXXX AND XXXX! In other words, it has been a financial catastrophe effect because of this one incident. Since, when the government entitlements for my son were shut down, XXXX and all the credit lines were shut down.
Which brings me to the issue at hand XXXX and CITI BANK! The most devastating act against me affecting us both of us. They repeatedly subjected us to evident Bad Faith, not taking into consideration my 99 % good record! I have pleaded with Citi Bank and have copied their XXXX & XXXX 's XXXX XXXX XXXX! All of this has clearly been XXXX XXXX and XXXX XXXX And XXXX XXXX currently even blocked my emails regarding Citi Bank complaints.
First, Citi Bank reacts and slashes my {$3000.00} credit limit without proper notice to one third. And then as I had been online last week, Citi Bank sends me an email asking me for feedback. Within 24 hours, again, without proper notice, Citi Bank slashes my limit to XXXX to {$500.00}! These has all been very distressful and offensive and illegal! At one time of at the XXXX store, my card was rejected becasue it went over the {$1000.00} limit when my limit at the time was {$1000.00}! I had to put some items back. The closest XXXX to me is 35 Miles away in XXXX, California. In addition, this XXXX is so badly managed that XXXX the general manager does not stock XXXX with so many items we can't get! We se our wonderful doctor in XXXX XXXX where we initially moved from! When we stop at the other XXXX, we find so many items we can't find at the XXXX store! In addition, every time we go, either they are out of so many items or stopped carrying them! I've emailed XXXX XXXX often and representatives have responded. It was bad enough that XXXX announced that their product was infected. By the time I found out I had been infected half a dozen times with XXXX XXXX
It has all been financially devastating, leading to losing thousands upon thousands of dollars, not qualifying for lower rates for refinancing and so many opportunities. But XXXX has not been responsive or responsible for Citi Bank. There are at least 10,000 complaints online regarding Citi Bank and has been sued! I'll be next!
I had been so troubled that finally today I came up with a solution in which Citi Bank XXXX would care less that I XXXX elsewhere. In fact they prefer it becasue I speak up! I have been an executive member with XXXX before it was XXXX XXXX and before then XXXX!
Today I joined XXXX XXXX XXXX, even though it's 75 miles away from here. Just to be able to save and make ends meet for my son and myself! CEO 's email address : XXXX : XXXX XXXX : XXXX XXXX Citi Bank : XXXX XXXX XXXX : XXXX and Citi Executive Response Unit : XXXX ; XXXX and other officers are : XXXX XXXX XXXX ; XXXX XXXX, XXXX, XXXX XXXX : XXXX.
I had not complained about XXXX becasue I was trying to see if Citi Bank responded, but the only thing they say is, denial, denial and denial. Discriminations, lying and victimizing seniors is 2nd nature to them, according to all the complaints online!
And now I'm holding XXXX responsible ; since, they are contracting with Citi Bank! Since, neither XXXX Cares!
Even after the government entitlements were fixed after my complaints, Citi Bank and XXXX don't care how badly we're being victimized! They are surely violating our ADA rights!
Therefore, Citi Bank and XXXX has double victimized us after the government, they continued the path of hurting us without a valid cause. One thing is to be a strictly numbers entity and another thing is to be conscientious number entities! They sure have the " doing the right thing '' intention and do good for others, as their Mission Statement States! The spiritual and trust in XXXX ingredient is badly and unfortunately missing. Just take a look at their customer reviews online. They are no good. As an inactive XXXX XXXXr XXXX and XXXX XXXX XXXX, all of these is beyond my comprehension! Bad business practice should never be practiced! I HAVE NEVER, EVER MADE THEM MY PAYMENTS LATE AND EVEN HAVE HAD TO MAKE ADVANCED PAYMENTS. I DO THANK THEM FOR HAVING NOT 3 VERY INTEGRAL BANKS!
I have 3 Citi Bank credit card accounts and Citi Bank has slashed all 3 of them! The last limit reduction was done after my true feedback to them!
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| 03/09/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I bank with CitiBank. I was expecting to receive my income tax refund. I went online to check my bank account to see if it had been deposited yet. One of the security measures to getting access to your online account is for them to send a code to your phone. I could not get the code because my phone number had changed. I called the bank and over the phone changed my phone number on the account my phone number went from a regular phone number to a Wi-Fi number. I was told nothing about it being a problem at this time and was allowed access into my account. I did some shopping on Friday the XXXX of XXXX and the morning of Saturday XXXX the XXXX my card no longer worked nor could I get online access to my account. I called the bank again and was told I needed to be transferred to the security or fraud department and they wanted to verify my account. They got to the part of my phone number and told me since I did not have a phone number that was of public record because it was Wi-Fi number that they could not send me a code and therefore would have to send me a letter in the mail with a code. I explained to them I could not wait for this and ask to speak to a supervisor, I was then hung up on. I called back just minutes later and got another fraud department or security specialist on the phone and she was very nice and was able to go a step further and ask for the CVV code on the back of my debit card and was able to turn my account back on that way. At that time I was able to pay my water bill online and do some shopping that day. The very next day Sunday XX/XX/XXXX my card was shut off again and no online access either. When I spoke to them this time they told me the same thing because of my phone number I would have to wait to get this code in the mail. I reluctantly relented because they will not get me a supervisor on the phone they hang up on you or tell you they're not available. I wait several days for the code to come actually I waited four days. I waited until Thursday it would be XX/XX/2023, and I was told it was mailed from XXXX XXXX Texas to my address in XXXX XXXX which should only take 4 days at the most and I still did not have the letter at this time. I'm becoming very upset because they're going to cut my water off. Although I was able to pay the bill online Saturday because it was still in pending status when my card was shut off again it did not get paid. Again I asked to speak to a supervisor and I'm hung up on I am told that verifying your phone is the only way to verify ones identity which is preposterous that seems like a really dumb way to prove someone's identity is by a phone number. I'm advised to wait for the letter they have sent because it can take 7 to 10 days to get to me. 0I digress and I wait over the weekend. I wait Monday and Tuesday and Wednesday I call back on Thursday XX/XX/XXXX after the mail came,. I advised them that I still had not received any letter with a code .I was very upset at this point and told them all of my money is their bank I have no way to pay my bills or feed my XXXX mother with XXXX that I take care of, my water is going to be shut off on Monday and I still don't have a way to prove my identity because I don't have a phone number that is a public record and I have not received a letter in the mail from them with a code and these are the only options they give me to prove my identity to unlock my account. Saturday the XXXX I borrowed some money and went to XXXX and got an account in my name and called the bank back with my new number that say XXXX phone number attached to my name and they still said they didn't find it in public record. Again they're mailing me a letter with a code for me to call with. I called them Sunday the XXXX very angry very upset that the phone number I spent money on still did not work for them and that my water was going to be cut off and I could not pay my bills or feed my family and that they were holding my money from me what I thought to be very unjustly because there are so many ways you can prove someone's identity. There are live visual services over the phone you can do and show your identification hold it up next to your face the the credit bureaus will ask you questions that are of public record of places you've lived what streets you've lived on in the past what cars you owned in the past in your name to identify your identity so why this Bank hangs everything on a telephone number is beyond me. On Sunday the XXXX of XXXX they told me they were mailing another letter with the code for me in the meantime Tuesday XXXX the XXXX my water was cut off so I'm in a home with no running water and a XXXX XXXX XXXX mother with XXXX hardly any food in the house my mother is probably going to get ill from XXXX and as of today Thursday the XXXX I still don't have a letter with a code and no money to feed my family and I'm going to have to pay extra money to get my water turned back on. I don't even know what to do at this point or how to get my account unfroze and get access to my money that I so desperately need. Citibank is supposed to be the fourth largest financial institution in our country or whatever I would think they would have better business practices than this. Because this does not work this is causing serious financial issues for me and my family and possibly health issues as well.
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| 06/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On approximately XX/XX/XXXX I noticed two unauthorized charges from XXXX on my BestBuy Credit Card for services which were not approved or authorized. These charges were as follows : {$22000.00} dated XX/XX/XXXX and {$2800.00} dated XX/XX/XXXX. I immediately reported this to BestBuy by filing a dispute for both of these charges. BestBuy Credit Services confirmed receipt of my disputes, indicated they would investigate the charges and had issued a credit to my account for the above referenced amounts ( which they did ). On XX/XX/XXXX I then received two letter in the mail from BestBuy Credit Services notifying me that they had completed their investigation and had determined that I was responsible for these charges! The letter indicated they based their decision on documentation obtained from XXXX " showing the services were provided ''. The letter included documentation from XXXX with screen shoots of a page of the company 's website which they indicated I visited to process my order and payment. I did no such thing, have never seen or visited this page and had only spoken to XXXX about the additional marketing services over the phone in an exploratory conversation. I did not accept their proposal, did not agree to move forward with the services, nor did I authorize the transaction. In addition, the amounts that were billed are almost double the costs XXXX had quoted when we discussed additional marketing opportunities with them. But again I did not accept their quote nor did I agree to move forward with the service, and most importantly AT NO TIME DID I AUTHORIZE XXXX TO BILL MY CARD. XXXX already had my card on file for other marketing I have been doing with them for years and apparently used the information they had on file for these additional unauthorized billing. XXXX also included screen shots of my agent profile which they allege to have setup as part of the marketing services. This was a free profile that is available to all licensed real estate agents, and one I setup as far back as XXXX. In my response to BestBuy Credit Services I provided a link to the page on XXXX 's website referencing the free profile with instructions on how to set this up. XXXX also provides a terms of service agreement which I have never seen, signed, or accepted in any fashion. They provided a Lead Report alleging that the leads generated were the result of the services they provided when in fact these leads were generated from our own listings and which we receive as a result of the other paid marketing we do with the company. This is indisputable as the additional unauthorized marketing XXXX has billed me for is zip code specific and would have only been for the XXXX zip code and the Lead Report includes leads from multiple zip codes. In addition, XXXX never provided any invoices or receipts for these billing either via mail or email, however, in their response to the complaint they submitted fraudulent billing statements without a billing address and in fact they referenced the document references no address but XXXX, OH XXXX as the city, state and zip code however the zip code for XXXX is either XXXX or XXXX and again this is fraudulent documentation manufactured to support their billings! I responded to BestBuy Credit Services as mentioned above and countering each element of XXXX 's response and reiterating that the services were neither provided nor authorized. I then received notification yesterday, XX/XX/XXXX that Best Buy had received my submission but " based on the review of the circumstances surrounding the charge, we have no recourse available to recover the funds ''. I responded last night with a fax and will be submitting a certified letter reiterating that these charges were never authorized and as such I do not acknowledge them and that they need to immediately send me a statement for any and all authorized charges and I will remit payment for these but will not remit payment for the unauthorized charges to XXXX for the {$2400.00} and {$2800.00} as well as any interest or fees associated with these fraudulent charges. I also advised that if they failed to remove these charges I would be filing a complaint with the Federal Trade Commission which I attempted to do but was directed to your offices. Again I never authorized this transaction and in spite of this my credit card provided is honoring this charge based on XXXX claim that I visited a page on their website and clicked a button authorizing the charge, and has then provided fraudulent documentation in an effort to support the billings including screen shots from the page they allege I visited ( I assume the credit card companies have a way of tracking if a card is billed from a website transaction or dialed in by a company representative ), a screen shot of my free agent profile page I setup years ago, fraudulent billing statements which were never mailed or emailed to me, and lead reports which report leads generated from our own listings and provided to us as part of the paid marketing we do with XXXX which we did in fact authorize and continue to pay for. I will not remit payment for these unauthorized billing but will remit payment on the authorized billings once Best Buy Credit Services agrees to waive these false charges, and to report them as paid. I humbly request your assistance in resolving this matter!
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| 08/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I am a victim of XXXX Fraudulent transaction of {$9900.00} on XX/XX/XXXX! I reported this to XXXX as soon as I saw a XXXX delivery email notice requiring signature on XX/XX/XXXX, when I did not order anything in the prior 2 weeks. XXXX cautioned me not to accept the delivery. I confirmed that No one ordered this XXXX item from my household of 2 people either by web or phone. The XXXX service rep told me that I was protected against Fraudulent transactions, and assisted me in setting up a 2-step verification since my account could have been hijacked. I also reported to Citi card on XX/XX/XXXX regarding this Pending Fraudulent transaction, which Citi did not flag as a suspicious fraudulent transaction and did not put a payment hold on it. Citi closed the account and issued me a new card.
XXXX reversed/deleted the transaction as per their policy, but neglected to notify XXXX, XXXX transaction processing platform. Citi contacted XXXX to confirm the Fraud, but XXXX responded on XX/XX/19 that it was NOT Fraud without verifying with XXXX. XXXX based the decision solely on matching the XXXX name and delivery address with my XXXX account name and delivery address used in a prior order. Citi Fraud reviewer missed the fact that the item was marked as Rejected by customer on the report that XXXX sent to Citi regarding this inquiry. Citi reversed the chargeback by mistake on XXXX while I was on tour in XXXX with no access to my personal phone.
I called and emailed the XXXX Seller of this item many times, but I have not gotten any response. In fact, the phone number was not accepting calls. The Seller is still on XXXX selling XXXX watch and high end beauty products : XXXX XXXX XXXX? XXXX Name : XXXX XXXX Phone : ( XXXX ) XXXX eMail : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX When Citi re-instated the charge on XXXX XXXX XXXX removed the payment hold to the merchant and subsequently, the cancelled Fraudulent transaction reappeared in XXXX. However, I can not Dispute the item online since it was over 30 days! Also, since I did not receive the item, I can not return the item nor put my feedback! I called XXXX 5 times since I saw the Fraudulent item back, but I got different answers. The latest response was that the issue was now with XXXX so I should contact them directly. However, XXXX stated that they were not made aware about this Fraudulent transaction by XXXX. XXXX informed me that I was not protected by their Buyer Protection Guarantee because the payment was made using Citi credit card, not with XXXX. I asked XXXX to contact XXXX Fraud department but XXXX was very unwilling to help and stated that the issue was already closed on their side since Citi released the paymenthold. XXXX told me that I have to complain to Citi instead since Citi made this decision.
I strongly believe that XXXX service department mishandled the processing of this Fraudulent transaction by not following through with XXXX for complete resolution. It was clear on XXXX site that the item was not delivered to me. When the transaction reappeared on XXXX, XXXX was refusing to investigate for me to get a refund or obtain the item from the merchant. XXXX was not owning to dropping the ball even though this incident happened on their site. In fact, XXXX was refusing to send a document to me or to Citi about the Fraud report I made on XX/XX/XXXX.
I called Citi at least 9 times over the past 3 weeks since I discovered the reversal on XXXX, but I was being passed around by customer service to Fraud and Account Security departments. I escalated and spoke with 4 supervisors already, but I was not getting adequate support that I expect from a top Global Financial Corporation like Citi. I was not confident that Citi was investigating this issue expeditiously. Citi just asked me to pay the Fraudulent $ XXXX, else I would have to pay interest while they were still investigating. It was very frustrating considering that this transaction was not caught by their Citi Fraud Alert System and put on automatic hold since it was not a normal transaction in this account. Citi had previously put a hold on a transaction less than {$1000.00}. Today, XXXX my Citi balance still had this {$9900.00} fraudulent transaction.
This is a wide Financial Systemic problem that the public needs to be made aware ASAP. I've been trying to resolve the issue calling the merchant, XXXX, XXXX and Citi so many times in almost 3 months. Please help!
Available Documents : 1. XXXX Delivery Tracking details confirming that I REFUSED delivery of the package 2. eMail communication to the merchant XXXX on XX/XX/XXXX complaining about this Fraudulent order 3. XXXX Report stating that my eBay account was fraudulently used 4. XXXX - Fraud Dispute Response 5. Citi Complaint - Erroneous Reversal of Disputed Fraudulent transaction XXXX Item Num : XXXX XXXX Contacts : Corporate Address : XXXX XXXX XXXX, XXXX XXXX, California XXXX Customer Service : XXXX Corporate : XXXX Fax : XXXX CITI Contacts : Corporate Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Fraud/Dispute Dept : XXXX Fraud/Dispute eMail : XXXX Card Security Dept : XXXX Card Security eMail : XXXX Corporate : XXXX Fax : XXXX XXXX Contacts : Corporate Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Customer Service : XXXX US Fraud Dept : XXXX Corporate : XXXX Fax : XXXX
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| 06/21/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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To Whom It May Concern : Thank you for being a valued Citi customer. This is a statement that is regularly used by the Citi employees. Would you feel like a valued customer if your first application for modification took almost 3 years to process only to be denied? Would you feel like a valued customer if you were in a repayment plan, you received monthly statements notifying you of monthly payments/withdrawals, yet you were never informed the amount being automatically withdrawn was incorrect and suddenly received a foreclosure notice in the mail? Would you feel like a valued customer if you and your counsel were told by a Citi attorney and support specialist that your second application for modification would not take more than 2 weeks because all the paperwork had been received, yet 8 months later no resolution has been achieved? I invite you to look at the history of our loan and ask yourself if you would approve of the way our case has been handled. Please allow me to give you some background information about our case. We fell on hard economic times from XXXX to XXXX due to the nature of my husbands XXXX XXXX XXXX businesses. We applied for a loan modification on our Home Equity Line of Credit in XXXX and after nearly 3 years of countless phone calls, emails, different support specialists and providing documents we were declined modification. A repayment plan was approved in XXXX and monthly payments were automatically withdrawn from our bank account. When the Home Equity Loan reset and the payments increased, we were not aware that the automatic withdrawal payments would not be adjusted/increased. We continued receiving monthly statements from Citi notifying us that payments were being received, but we were never informed that we were in default. After 18 months of making payments ( in a 24-month repayment plan ), we were shocked to receive a notice of foreclosure. We hired an attorney in XXXX XXXX to stop the foreclosure proceedings and have been in the modification process for the past 10 months. We feel that the following list includes systemic issues with the modification and repayment processes in your company : Uploading of documents sent by client- pages are lost or uploaded incorrectly causing multiple requests for documents. It is unbelievable that your electronic mail is limited to receiving only 15 MB at one time in a process which requires extensive paperwork. Constant turnover of personnel- we have had a handful of different support specialists in the past 10 months. Missed appointments of scheduled calls from support specialists- the most recent occurring on XX/XX/XXXX when our scheduled call with the Executive Response Team representative did not materialize after we were informed that he was on vacation. Lack of communication between the support specialist and the underwriting team- this creates a lack of clarity as to what documents are received and what documents are actually needed or required. On various occasions the underwriting team has requested documents and/or letters of explanation regarding information that have been previously provided on multiple occasions. Lack of communication between departments- one department does not know what is going on in the other. We have been given erroneous information on many occasions. ( One support specialist stunned us on XX/XX/XXXX by stating that there was a foreclosure sale date on XX/XX/XXXX which our attorney later disproved. On another occasion, I was told to proceed 5 different ways by 5 different support specialist. ) One of the more egregious offenses has been the lack of interest from the Citi attorney who has systematically ignored communications from our attorney. Since XX/XX/XXXX we have acted in good faith and worked continuously and diligently on our case. Our goal has always been to stay in our home and the long trail of emails, phone calls and documents is evidence of our sustained effort to resolve this matter. We are asking for your assistance in resolving this matter. Now on XX/XX/XXXX XXXX XXXX Citi 's XXXX sends my attorney an email stating " The documents were uploaded to our client a few minutes ago, but please contact HAT ( Homeowners Assistance Program ) at ( XXXX ) XXXX and run through Mortgage Assistance Tool in order to initiate the review process, unfortunately, the submission of the Loss Mitigation Package alone will not initiate the review process. '' After my attorney has been repeatedly submitting documents since XX/XX/XXXX now they say that we have to call the Homeowner 's assistance program to initiate the review process? Then what have they been doing since XX/XX/XXXX? The letter I received inXX/XX/XXXX from Citi said I should have a response within 15 days and now I am told this?? As you can see, they are clearly acting in bad faith. In this whole process when my attorney has called Citibank to ask for a status on the modification they have been advised that it must go through their counsel as the case is being litigated which is what we have done. My application and supporting financial documents have all been sent timely to their counsel on numerous occasions therefore, I am very frustrated to now have their attorney say that the process has not been initiated which is why I am filing this complaint in the hopes that we can get a resolution on this case.
|
| 03/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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[ 1 ] The last successful dispute was with XXXX XXXX that mislead me ( and a planeful of passengers ), delayed and destroyed my international itinerary while giving us a hotel accommodation at XXXX on XXXX XXXX XXXX approximately six hours after the scheduled flight was scrapped while 100s of passengers were trapped inside the plane due security as they attended to technical issues with the aircraft. Citi had an intelligent, responsive dispute resolution process in that time span.
[ 2 ] Prior to the following, two-three disputes were abandoned by Citi between XXXX XXXX and XXXX XXXX.
[ 3 ] In XXXX XXXX credit limit was {$23000.00} dropped to {$2900.00} in XXXX XXXX and one {$270.00} dispute reversed in XXXX XXXX With the past disputes abandonment by Citi XXXX I was charged an over-limit fee of {$39.00} as this reversal took me over the new limit of {$2900.00}. In XXXX XXXX another dispute was reversed for {$31.00}.
[ 4 ] In good faith, I paid down the balance from what I consider as Episode I while charging the cc ending in XXXX only 20 months of the 72 months between XXXX XXXX and XXXX XXXX. The cc in good standing was closed without my knowledge on XXXX XX/XX/XXXX. I still kept paying, and XXXX XXXX was asked to remove me from the autopay as explained in an earlier email.
[ 5 ] The {$3200.00} XXXX XXXX beginning balance was paid down by me on the XXXX XXXX statement to {$0.00} in 34 months in which only six months I made nominal purchases as I was discouraged from using the cc. I kept paying the minimum balance due to my belief that someone will fix the past Citi errors and omissions and credit the finance charges. I was wrong and I was misled, both are at once true. I did not use the cc after paying it down in XXXX.
[ 6 ] After that, the cc was used only once in XXXX XXXX for a nominal amount and paid in full.
[ 7 ] The present problems stem from my use of the cc in XXXX XX/XX/XXXX XXXX and two disputes that were either reversed or not coded correctly. Thus, I permanently stopped using the cc from XXXX XXXX and kept paying the minimum payment in good faith in the same hopes as narrated above to get a favorable resolution of my disputes. Total disputes in six-seven years were {$1600.00} that were abandoned by the Citi Disputes Department + {$3200.00} XXXX XXXX beginning balance with finance charges - {$9600.00} XXXX XX/XX/XXXX XXXX total of my payments + {$8000.00} XXXX XX/XX/XXXX XXXX purchases ( mostly except ~ {$500.00} scattered in the six-seven years ) - {$2000.00} XXXX XX/XX/XXXX XXXX returns ( mostly except ~ {$300.00} scattered in the six-seven years ) - {$1600.00} XXXX XX/XX/XXXX XXXX disputes ( mostly except ~ {$300.00} scattered in the six-seven years ) __________ - {$1800.00} overpayment, owed to me, and for my EFFORTS in the next couple of lines, it is now less by as much + {$260.00} dispute partial credit received DUE TO MY EFFORTS from XXXX XXXX XXXX XXXX XXXX -- -- a dispute that CORRECTLY coded and denied + {$450.00} dispute total credit received DUE TO MY EFFORTS from XXXX XXXX -- -- a dispute that was INCORRECTLY coded and denied __________ - {$1100.00} overpayment credit balance due from Citi to me that does not consider the various Citi charges that were wrongly charged - $???.?? Citi CFPB settlement __________ - $?,???.?? refund required and requested after repurchasing from XXXX The following are Citi charges, wholly uncalled for, but I got misled into some magical help soon to come + {$39.00} over-limit ( after lowering credit line and reversing a dispute on a balance from the past disputes ) + {$2800.00} finance ( in the belief that Citi was helping me ) + {$190.00} late ( {$25.00} in XXXX XXXX reason unknown & {$160.00} from XXXX XXXX thru XXXX XXXX after XXXX XXXX misled me and I'd her stop autopay ) __________ + {$3100.00} 100 % unjustified Citi charges just from these six-seven years and much more from XXXX XXXX thru XXXX XXXX not tallied here An employee XXXX XXXX who was assigned by Citi 's then CEO, XXXX XXXX XXXX bungled the account, informed me that my disputes and fraud records were purged and thus she can not help me. Later she told me that Citi sold my account to a collector, name unknown to her. I thus asked her to discontinue the autopayments. This was in XXXX Winter months.
So they did not investigate about half a dozen disputes. Then they purged the records to not be held responsible. Then they sold my account to collections. 100 % pennywise and pound foolish : recently, Citi loaned XXXX about half a billion dollars, without vetting a failing company. But, they sold my account to collections for pennies.
However, recently, another employee XXXX XXXX in the same Executive Response Unit office told me that my account was sold to collections in XXXX Spring, just ten-twelve weeks befor Citi entered a Consent Order with your office ( CFPB ) for {$330.00} million in a settlement in violation of the CARD Act 2009. This preemptive selling was done to avoid paying my portion of the settlement amount. However, XXXX informed me that my account did not qualify. I asked to clarify and justify why it did not qualify, and she has been silent. It is my experience that Citi has no credibility and they are willy nilly wish wash when it comes to reliable customer service. Thus, I'm yet to be paid my part of the settlement.
|
| 10/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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|
Web |
Servicemember |
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Please note both Citi cars are on auto pay No missed or late payments No late or missed payments on my credit report on any account I was issued a Citi bank premier card XXXX with a XXXX limit have a Citibank premier promotion when I got the card the promotion was to spend XXXX in 90 days for XXXX point bonus cash reward Which I did When I got the reward I applied it to my balance which lowered it to XXXX Citi lowered credit limit to XXXX State credit card usage Second card Citibank issued me a Aadvantage card master card in XX/XX/2023 with a XXXX limit I had charged XXXX as of yesterday XXXX XXXX They lowered limit to XXXX Taking me from XXXX % usage to I received emails on both accounts that the credit limit was lowered due to credit usage I called and asked for both accounts to be reinstated ASAP to the original credit line because once this hits my credit report, its going to destroy my credit score lowering it even even more The reason too many new accounts, and too much credit usage I explained to them that the new accounts were open by them, which were XXXX XXXX accounts that were used for an emergency with my property I also stated which Im confused why open open accounts being XXXX XXXX and my American Airlines account just to penalize me months later The reason for my credit score from XXXX to XXXX is in fact credit usage I had serious damage on my home located in XXXX XXXX and I spent {$60000.00} during the months of XXXX XXXX, XXXX and XX/XX/2023 to repair the house so XXXX could rent it I also explained to them that by the time the work was finished the house was not able to rent until XX/XX/2023, which has not given me enough time to catch up on all my credit card balances Please understand no credit cards including Citibank or any accounts on my personal credit. File have been paid late. I have no late payments. All payments are automated through my bank account. Nothing has been paid late I do not have any late payments.
With them to reinstate the account as my XXXX card did when they seen heavy usage with the house repairs The representatives in the Citibank manager yesterday lied to me instead of applying my account to reinstate the credit limits, so it would not mess up my credit score showing 100 % utilization. They proceeded to process credit line increases on both accounts, which obviously got denied being that the credit limit was Just decreased they refused to transfer me to anyone in the credit department. They stated credit department is not take phone calls and theres no way to contact their own credit department even internally I find this hard to believe.
To be fair the very last manager I spoke to Was helpful I can not remember the gentleman name but they do record and log all the calls so it was the last manager that I spoke to.
He even stated that the credit line increases shouldnt not have been done He stated that the only way to try to get the credit limit back up was to do the increase but thats not the conversation I had with the previous representatives and a previous manager they to me and said it was a reinstatement it was not I was not requesting a reinstatement to go on a charging spree. I can not have my credit score reduced anymore. Im going to go from good credit to fair credit, which, in many lenders eyes is bad credit. This is going to cause a snowball effect, and financially affect me destroying my credit.
I stated on here I asked them over and over why approve a credit line just to decrease at three months later by half and put me in a position to where its gon na negatively affect my credit score for no reason for no late payments for no payments And then open up to XXXX XXXX accounts for my home emergency which I very much appreciate I do I could not have finished the project if it wasnt for those but why do it to penalize and punish me XXXX months later and it is going to be punishment because this is a snowball with all my credit card companies But Im still upset about the customer service lying to me about reinstatement Discover card the company, XXXX card lowered my credit limit XXXX months ago I called in I spoke to a manager. She contacted the credit department, reviewed my situation and reinstated my account/ limit while I was still on the phone.
Citibank does not have this option Been trying to process credit line increases and telling me theyre trying to do a reinstatement of my credit limit was a straight lie Also, I noticed the first manager they told me I needed to pay my credit balances down, which is not an option for me right now Put derogatory notes in the system that every other representative that I spoke to after the fact read and I can tell explaining as Im explaining to you guys that wants the notes for whatever they said the whole demeanor was changed I spoke to, as I said, was trying to be helpful and was, but after the experience as a whole And the lies and treatment Ive got from the other representatives and management. I could honestly say Im not sure if he was really trying to help or just pacifying me.
I apologize about the long explanation, but in a nutshell Citi bank a company that I have credit with and no negative payments Is actually hurting me financially by Reducing limits which 100 % utilization will drop my credit score to fair/ poor credit With no late payments
|
| 11/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
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Web |
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I have been a Citi Priority client for years as well as Citi Executive Platinum credit card holder. I started a small business recently and needed a credit card for business purposes, so I applied for the CitiBusiness Platinum Select card ( XX/XX/XXXX ). This is where my awful experience began.
After applying ( around XX/XX/XXXX ), I received normal correspondence by mail asking for my information regarding the business. I called the number to clarify and how to best provide info. After sending an email with documents requested I waiting for a reply. A week later I called the same number to inquire about the status, I was told that everything was fine and the card will be sent by mail.
About 3 days later I received a call from their Fraud Department. They explained that the card could not be issued because there was a hold on my credit and an access code was needed to continue. Knowing I didn't have a block with any credit bureaus, I asked which bureau was showing a block. They could not provide an answer. So the next morning I contacted all 3 credit bureaus and wasted 3 hours of my time connecting to old websites, speaking with people and waiting on hold ( their lousy customer experience is only rivaled by Citi ). Now, I have learned that there is NO hold or block of any kind with any of the bureau 's.
So, I have to call Citi again to inquire about the CitiBusiness card, which sends me to XXXX/XXXX to speak with people who have no idea how to handle this problem. Once, again I am forced to wait on hold for 5-10 minutes at a time to again speak with someone that can not solve this. So I ask to speak with a supervisor ( wait on hold and get verified again ), who also can not solve this. I ask to speak with their supervisor ( wait on hold and verified again ) to be told that someone will call me back in 30 minutes. No call comes in until 5 hours later. I get a message and return the call to XXXX and need to speak with their supervisor again ( hold and verified again ). Finally, I reach a woman named XXXX ( in XXXX I think ) on XX/XX/XXXX and she was super friendly and helpful. She explained the this was an error on Citi 's part and that there is NO block with any credit bureau. She kindly offered me XXXX miles for my troubles ( XXXX miles doesn't go far these days ). At this point I have wasted 4-5 hours of my time and endured stress and anxiety fixing Citi 's problems!
Now, I wait for my card..
The card never arrives and I have to reach out to CitiBusiness again.
XX/XX/XXXX : I have to speak again with someone in XXXX who puts me on hold for too long and can not answer where my card is. I have to speak with a supervisor who also puts me on hold ( and verifies me ) to learn that the card was sent to the physical address of the business and not the mailing address as specified in previous calls. I needed the card for expenses I have incurred and ask for the card to sent overnight. I am told this is not possible. Ask for supervisor, hold and verified, speak to supervisor, hold and verified, told they can not overnight, ask for supervisor, hold and verified, and finally speak with XXXX in in Florida to assist. After verifying my identity again we discuss all the problems I have had. I want my card sent overnight and all annual fees waived and a reason I should remain a Citi client. XXXX was able to send the card via overnight but told me a more senior manager would call me to address all these problems within 24 hours.
No call is received.
I now have to call Citi again and speak with XXXX on XX/XX/XXXX. She also puts me on hold and needs to verify me and tells me again that a senior manager will call me.
No call is received.
Now, I get my card on XX/XX/XXXX. I call to activate and have to speak again with someone in XXXX I can barely understand. I am put on hold of course and finally am told my card is activated. I use the card later in the day only to have it declined.
XX/XX/XXXX : I have to call CitiBusiness again to ask why the card was declined. Speak to someone in XXXX who I can barely understand, put on hold, explain the card is not active because there is a some block on the card by Citi. Supervisor, hold, verify, hold, can't answer why the card is blocked, supervisor, hold, and finally speak to XXXX ( sp? ) in Texas. Being exasperated, stressed and angry, he asked me to be " professional ''. I could not believe this as Citi has not shown any professionalism throughout this process. He tells me he will connect me with his supervisor ( after verifying me again and putting me on hold ). I now speak with XXXX in the XXXX. I explain the entire ordeal I have been through. She is able to unblock the card so it's active and correct the mailing address ( which was still wrong ). I now ask for consideration for the 7-8+ hours I have spent trying to get this card and ultimately doing Citi 's work.
She made " notes '' of my request to have the annual fee permanently waived and further considerations. I also asked that I speak with a Senior person in the U.S. to address this and justify why I should remain a Citi client.
No call back to date has been received.
I have since mailed this letter to customer service in South Dakota, the CEO of Citigroup ( XXXX XXXX ) and CEO of Global Consumer Banking ( XXXX XXXX ).
I have not had any contact from Citi ... ..
|
| 06/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, my XXXX XXXX XXXX daughter was playing games on my phone. During that time, XXXX sent a pop up notification to my phone regarding tickets for a comedian named XXXX XXXX. That's how this mess started.
I had recently gone through the mishandled situation with the XXXX XXXX XXXX program for XXXX XXXX where I was unable to get tickets. My daughter was very disappointed that I couldn't buy tickets for XXXX XXXX. So, when this phone notification for a different person named XXXX popped up on my phone while she was using it, she clicked on the link. That link took her straight to XXXX sales site for XXXX XXXX. My daughter kept pressing next to see what tickets had become available for the event she thought was XXXX XXXX. Unfortunately, the XXXX site login info and my credit card info was saved and automatically populated due to XXXX settings and XXXX wallet settings. The XXXX site automatically chose the best available seats and let my daughter continue all the way to the end of the process to buy the {$980.00} tickets.
The first I heard of this situation is when my daughter came to me after the transaction and showed me the congratulations you got tickets message on my phone. She had no idea what she had just done. She didn't understand that she had just paid money for real tickets. She absolutely did not have authorization to buy anything and didn't realize that she had. She thought I had some grown-up process I needed to do to buy the tickets she had already accidentally bought.
I immediately called XXXX to fix the situation and couldn't get through. So, I emailed them of the fraudulent transaction so they could reverse the transaction right away. I got an automated unmonitored emailed response from XXXX. So, I started a chat conversation on the XXXX app. I was transferred to different departments and was told that someone would be reaching out to me to resolve the situation. I went back and forth with XXXX telling me their fraud dept. would help without action until XX/XX/XXXX. At that time I gave up on XXXX and called Best Buy Citibank to dispute the charge.
On XX/XX/XXXX, Best Buy Citibank opened a billing dispute claim and credited me for the amount of the transaction. I submitted the correspondence between me and XXXX on the Best Buy Citibank website. I didn't think much of it after that because I thought the situation was resolved. However, I noticed in XXXX that the charge was added back to my account. I called Best Buy Citibank again to find out what was going on. They apologized and said the issue was not a billing dispute but rather a fraud claim.
On XX/XX/XXXX, I was transferred to the fraud dept. where another claim was opened. That claim was denied on XX/XX/XXXX without explanation.
On XX/XX/XXXX, I called again. They apologized and said the claim had been closed in error and opened another claim. They credited the charge back to me again. They issued a new card and closed the old card. I was asked to send the communication with XXXX documentation again, which was faxed to them.
On XX/XX/XXXX, I checked my account again and realized that they had added the charge back on my account again and denied the fraud claim. They apologized again and told me it wasn't fraud, but rather a billing dispute. I told them that I was getting the runaround since I started in the billing dispute dept. They opened another billing dispute claim. On XX/XX/XXXX, the charge had still not been credited back to me yet. I spoke with a billing dispute escalations supervisor who apologized again and said he would credit the improper interest charged but that he couldn't credit the original charge until the next billing cycle on XXXX. He told me he was entering the note and that there was nothing due for the XX/XX/XXXX bill.
On XX/XX/XXXX, I got a collections call from Best Buy stating that I had missed a payment. Since I shouldn't have had a balance on my account, this was very upsetting. I called Best Buy Citibank again and was transferred to an Escalations Manager who said she was entering clearer notes to finally resolve the matter once and for all.
On XX/XX/XXXX, I received another collections call from Best Buy. I called them again and was told my claim had been denied again. I was transferred back to the fraud dept. Once again they told me it was not fraud and transferred me to the billing escalations manager. She told me she was not going to reopen the case. She told me that I am responsible for my child and therefore I am responsible for the charge. She told me my only option was to go back to the vendor ( XXXX ). I reminded her that I didn't have that option since the unauthorized purchase was for tickets for a show that had already past. XXXX wouldn't help me to begin with so they are certainly not going to refund the charge now. She said Best Buy Citibank could no longer assist me and that the payment for the {$980.00} charge plus interest is due.
So, now, I need assistance please. It is my understanding that since this was an unauthorized charge that the Citibank zero liability policy and the XXXX zero liability policy should have resolved this matter. However, since they failed me as their customer, I need assistance enforcing the F.T.C. consumer protections please. I don't know what else to do. I appreciate your help. Thank you.
|
| 01/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Citicard 's XXXX XXXX credit card offers a benefit that if you spend over {$20000.00} in a 12-month period you will receive a {$100.00} XXXX XXXX credit. I spent over {$20000.00} during the XXXX period but did not get this {$100.00} credit. I have been calling Citicard for over three months and they tell me they will look into it and then send a rejection letter weeks later. I have received three rejection letters and each time it says something different on why I did not get this promotional benefit.
1. The first letter acknowledged a different promotion and stated why I was not eligible. I called back to follow up and they realized they did an inquiry on the wrong promo. They re-filed the inquiry for the correct promo. I do not have this original rejection letter.
2. The second rejection letter is dated XX/XX/XXXX. It states " Lost or stolen certificates can not be replaced. '' I called them back after receiving this to complain I never received it. They said they would look into it.
3. The third rejection letter is dated XX/XX/XXXX. It stated that the promotion started in XXXX. They said I did not have a rolling 12 month period. My period to spend {$20000.00} was only from XX/XX/XXXX through XX/XX/XXXX. During this period I only spent ~ $ XXXX. This is where I caught them in a lie. I have the original email that speaks about the promotion ( attachment ). I have copy/pasted the exact wording of the promotion below. The promotion states that you need to spend {$20000.00} " every 12 months from the billing period after your annual fee bills. '' My {$95.00} membership fee is paid in XXXX. My interpretation of this wording is that I need to spend $ XXXX from XX/XX/XXXX to XX/XX/XXXX. I don't know why a reasonable person would think the period would start XX/XX/XXXX through XX/XX/XXXX ( less than 12 months ). Please review the below promo language and let me know what you think. I can verify that I spent over $ XXXX during the 12 month period so I believe the promo applies to me. If they meant the period started in XXXX the advertising should have stated XXXX.
At this point it is not about the money. It is about principal. Every time I call Citi I have to listen to a 10 minute prompt before I am even able to talk to a representative. They go through troves of information ( account balance, miles balance, last time I paid, ect. ) before you have the ability to hear the dial prompt. This is designed to make people give up. I have spent hours trying to resolve this issue. They give me lack of details when I speak with them and send a rejection letter without an easy way to contact someone. I will keep the # 2 and # 3 rejection letters. Please review the wording below and tell me how you interpret the promotion. Do you think the period is 12 months or do you think the period to spend $ XXXX is 8 month? Citibank is a large corporation and I am just one person. It is frustrating I had to take these steps to get my {$100.00} promotion.
Transcript of the Promo wording " Earn a {$100.00} XXXX XXXX Flight Discount ( the " Flight Discount '' ) after you spend {$20000.00} or more in purchases on your Citi / AAdvantage Platinum Select card during your cardmembership year ( every 12 months from the billing period after your annual fee bills through the next billing period your annual fee bills. ) For your first year of cardmembership, purchases qualify as of the date of your account opening. To receive the Flight Discount, your account must be open for one billing cycle after your annual fee is billed. The Flight Discount expires one year from date of issue of the certificate. The Flight Discount is redeemable toward the initial ticket purchase of air travel wholly on flights marketed and operated by XXXX XXXX, or on flights marketed by XXXX XXXX and operated by XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, for itineraries origination in the U.S. , Puerto Rico or U.S. Virgin Islands . The Flight Discount is also redeemable for air travel on any XXXX XXXX or XXXX XXXX codeshare flight. The Flight Discount is redeemable online at XXXX, or by calling XXXX XXXX Reservations. A reservations services fee may apply for travel booked through XXXX XXXX Reservations. The Flight Discount is redeemable only toward the purchase of the base airfare and directly associated taxes, fees and charges that are collected as part of the fare calculation for travel. The Flight Discount may not be used for flight products and/or services that are sold separately or non-flight products and/or services sold by XXXX XXXX. If the ticket price is greater than the value of the Flight Discount, the difference must be paid only with a credit, debit or charge card, or with XXXX XXXX Gift Cards. If travel booked with the Flight Discount is cancelled or changed by the cardmember, the Flight Discount will be forfeited and the cardmember will be responsible for any applicable fare difference and the applicable change fee. The Flight Discount will not be replaced for any reason. The Flight Discount is non-refundable, may not be sold and has no cash redemption value. After qualification, please allow 8 to 12 weeks for delivery of the Flight Discount "
|
| 12/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I received a bid for resurfacing my quartz/polyurethane driveway from XXXX XXXX, the owner/operator of XXXX XXXX XXXX. He had been recommended by the product supplier XXXX XXXX in XXXX XXXX, CO.
On XX/XX/XXXX I received a call from XXXX XXXX, who identified herself as representing XXXX XXXX XXXX, requesting that I pre-pay for materials which would be used for the driveway job. I normally would never have agreed to such a proposition, but I have had some medical issues lately and I really wanted to get this job completed. I used my XXXX VISA card to authorize payment for the materials knowing that should problems arise I would be protected by the disputed charge process offered by the XXXX CitiBank VISA card.
After three no-show days XXXX and two other assistants arrived to start the job on Thursday XX/XX/XXXX. They spent the morning power washing the driveway with little success and left about noon saying they would plan something else to remove the old finish and prepare for new finish. On Friday the two assistants arrived and continued with little success to power wash the driveway. I finally told them that what they were doing didnt prepare the surface for the new material and that they should leave.
On Monday XX/XX/XXXX I called XXXX XXXX XXXX ( XXXX ), the manufacturer for the polyurethane material used to seal the quartz to the drive way surface. I told the service rep ( XXXX XXXX ) what the XXXX crew was doing and he said that power washing was the step to be completed after grinding the surface to remove the old quartz and scar the old surface so the new product would adhere to the old surface. He said trying to use power wash at this phase was not the correct procedure. I called XXXX immediately after my call to XXXX to see what his plan was. He really didnt have a plan. After a short conversation I suggested that he had wasted a lot of my time, left piles of polyurethane pieces in my yard and accomplished nothingperhaps we should call the whole thing quits. He readily agreed, I hung up the phone and submitted my disputed charge to CitiBank/XXXX VISA for cost of the materials I had paid for but never received.
I received a letter from CitiBank customer service dated XX/XX/XXXX providing documentation from the merchant ( XXXX XXXX XXXX ) stating that some of the services had been provided and that they were willing to complete the job. In my response I outlined the issues presented above and explained in detail that I had never received the materials for which I had authorized payment.
I received a subsequent letter dated XX/XX/XXXX stating that the merchant had refused to accept the charge and since they were " willing to complete the job '' and the documentation I had provided " was not sufficient to show the services were misrepresented or done incorrectly ''.
I attempted to discuss the issue with the CitiBank VISA Dispute Resolution Team on XX/XX/XXXX talking with XXXX who indicated he would start a review to be completed in 5-7 business days. On XX/XX/XXXX I talked to XXXX who indicated that there was no way to review the decision. I asked for a supervisor and was handed off to XXXX who was less than professional in explaining that he had no intention of doing anything and that I shouldn't bother him further.
I was able to reach the XXXX contact for their CitiBank VISA card program, XXXX XXXX ( XXXX XXXX ) who introduced me to XXXX XXXX who manages the XXXX " SWAT team '' for CitiBank ( XXXX XXXX ). While both seemed interested, listened to my story, and offered to assist ; neither were able to penetrate the Dispute Resolution Team to even get a written explanation for the disputed decision. I received a final, unsigned, boilerplate letter from the Dispute Resolution team dated, XX/XX/XXXX, washing their hands of the issue suggesting direct contact with the merchant or another form of resolution.
On XX/XX/XXXX I sent a Certified Mail return receipt Demand Letter to XXXX and XXXX XXXX, owners of XXXX XXXX XXXX. In this letter I sought repayment of the {$2600.00} I had authorized on my VISA for materials never received and offered to end the dispute by their refunding {$2000.00} and keeping {$640.00} for their efforts ( even with the full knowledge that it did nothing to prepare the driveway for resurface ). I was notified that the letter was delivered on XX/XX/XXXX at XXXX XXXX. I have received no response from the XXXX.
On XX/XX/XXXX I filed NOTICE, CLAIM AND SUMMONS TO APPEAR FOR TRIAL with the County of XXXX XXXX Small Claims Court Case number XXXX in my complaint against XXXX XXXX XXXX. The court date is on XX/XX/XXXX at XXXX XXXX. My expectation is that, should I prevail in Small Claims Court, I will go back to XXXX/CitiBank to seek repayment of my costs rather than attempt to gain payment directly from the merchant.
My preferred resolution of this issue would be a CFPB decision in my favor forcing CitiBank VISA to reinstate my disputed amount plus costs ( serving fees, filing costs, etc ).
I have subsequently contracted for and completed the resurface job with a competent and capable contractor.
As an aside I would suggest that CFPB check out the number of XXXX and XXXX reviews which detail the inadequacies of the CitiBank VISA system and lack of response to customer issues ... there must be thousands.
|
| 08/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I hold a few Citibank credit cards and as a cardholder, I received an " exclusive '' offer to open a Citi checking account and receive a tiered bonus based on the amount of new to Citi funds I deposited within the first 20 days of opening the account. In late XX/XX/XXXX, I applied for the account following the link in the email promoting the offer. During the process of opening the account, I was given the opportunity to deposit funds electronically from other bank accounts. I attempted to do this twice using two of my accounts at different banks ( XXXX XXXX for a transaction amount of {$15000.00} and All XXXX XXXX for a transaction amount of {$12000.00} ) but the Citi website locked up each time. Finally, on the third and fourth tries, the transfers from the two banks were successful. Unfortunately it turned out that the first two transfers were successful ( despite no confirmation or other message from the Citi site ), resulting in the two transactions being duplicated by my third and fourth attempts. This resulted in an overdraft of each of these accounts with one of the banks stopping the second transaction and the return of the second deposit to the second bank ( for which I was charged and paid an insufficient funds fee by the bank ). After these issues with the Citi website, I subsequently successfully made two additional deposits from a third bank account ( XXXX in the amounts of {$10000.00} and {$15000.00} ) in order to ensure meeting the deposit level requirements to receive the promotional bonus. Final deposits made to the new Citi checking account totaled {$52000.00} which represents a large portion of my savings.
After opening the account at the end of XX/XX/XXXX I received an account application approval email ( dated XX/XX/XXXX ) and a starter set of checks and debit card in the mail. After the initial opening and deposit transactions noted above, I performed no other transactions in the account. I logged into the Citi website in XX/XX/XXXX and found a message noting that my checking account was blocked. I called Citi to find out why. I was told by the representative that she could not tell me why but that I would receive a letter in the mail and a check for the balance within 60 days. I did receive the letter several days later which informed me that the account would be closed within 60 days of the letter date ( again, without a clear reason ). The letter ( which was dated XX/XX/XXXX ) stated that I would receive an official check for any balance belonging to me that remained in the account. 60 days after the letter date was mid XX/XX/XXXX. After I did not receive the check by early XX/XX/XXXX, I called again to find out the status of my money. I was told that the account was closed and I would not receive any money. I protested, as the money belongs to me and was transferred into the account from other bank accounts owned by me. After much insistence I was told I needed to call the fraud department and was given a different phone number. I called there and was assured that information was not true and that any money belonging to me would in fact be returned. When asking about the status, I was told that the customer service reps could not see much information on the account, likely due to it being closed, and to get any concrete information, she would have to email the " back office '' and that I would get a call back when a response was received. She took two different phone numbers at which to reach me and told me it typically takes 24-48 hours to get a response ( I still have not received a call two months later ). She also said that in these situations, funds are typically returned 60 days after the account is actually closed, not issued on the day of the closure. I asked the representative if this meant 60 days after the date of the XX/XX/XXXX closure letter ( which would be XX/XX/XXXX ) the account was closed, then 60 days after that ( about XX/XX/XXXX ) a check would be mailed. She confirmed my understanding, and I agreed to wait for the follow up phone call and would wait to expect the balance be returned sometime in mid XXXX ( after the XXXX date ). I have now waited an additional 30 days ( today is XX/XX/XXXX, so now 90 total days after the account being closed and five months after the date of the account closure letter ) and have still not received the funds that I deposited in my account as promised. I have received no other communication from Citibank in the interim. My calls to Citibank customer service have required substantial wait times and each person I spoke with told me they could either not tell me the reason the account was closed or simply could not see much or any information as to its status. Considering this, that all the time frames I was provided have passed, and that it is now 5 months after the letter telling me the account was closed, I have become very anxious and concerned about the return of my savings as I still have not received the balance of the account. I do not dispute Citibank 's right to close whatever account they wish ( even without any particular reason as is the case here ), but the money deposited in the account I opened when prompted by their promotional message rightfully belongs to me and should be returned in a timely fashion. It has not and I am concerned as to it's whereabouts.
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Older American |
|
Just before XXXX XXXX, I was felled with XXXX XXXX, which set off XXXX XXXX other things that had been lurking. Because this was unusual, the hospital tried to keep me alive and stable so they could start doing somethinganything. For the first month of XXXX I was horizontal at XXXX XXXX in XXXX. My daughgter/nurse got me out of there up to XXXX XXXX where I immediately tested POS for XXXX and was isolated for two weeks. Then two more weeks until they could determine if it ( XXXX ) was a communicable disease. I finally got out of isolation. A hydraulic sling was used to get me out of bed, into a wheelchair, down to PT where I spent 45 minutes re-learning how to stand and put one foot in front of the other. Remember, I can only use my left side-strength for that ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I had to break the therapists in and get them to understand I came in with a problem they werent aware of. Before I XXXX XXXX XXXX to continue PT back in XXXX, I tested POS for XXXX again. Two more weeks in isolation.
All this time XXXX is trying to take care of everything at the house, help XXXX get organized with the XXXX XXXX, and handle non-covered expenses. We were doing fine on my {$60000.00} work income plus {$18000.00} Social Security and had tucked the money I received for my half of the house sale away for retirement ( the financial debacle of XXXX resolved that-not happily ). In one day I lost the {$60.00} thou, as fast as Id lost the savings. She was coming to see me ( somewhere ) at least once a week, but had to rely on folks to drive her.
During that time expenses were paid as much as possible with the SS check, but unfortunately she had to use my ( Citi ) XXXX XXXX and ( Citi ) XXXX. By the time mid XXXX rolled around we couldnt even meet the minimum monthly sometimes, and I was back in the hospital until we moved here ( XXXX OH ) in XX/XX/XXXX. I was tossed into a skilled care facility ( you do NOT want to know anything more than that ) where I tested POS once again for XXXX.
I have never intentionally been late until these two cards, and thinking about it ate me up. I checked into bankruptcy ; I checked into one of those debt companies where they cut your debt in half. What it all came down to was that I was responsible for the charges and dumping them on someone else wasnt right. I called and spoke to Citi. They closed the cards and set up payment plans of $ XXXX for the XXXX, and 9.9 % interest ; and $ XXXX for XXXX, no interest XXXX Each month Ive paid at least 1.5 times what was due, sometimes twice what was due as other bills like ambulances and bank notes cleared. At that point my XXXX score was not quite XXXX, and before this all started it was up around XXXX. Not long after the payment arrangements were made, I received a letter from XXXX, and one from XXXX, cancelling both cards for XXXX reasons : 1 ) lack of use, and 2 ) because of their relationship with my creditor ( Citi ).
I had had my XXXX card for 60 years, and XXXX for XXXX. Not once had I EVER been late on either card. There are no Exxons in Ohio, strangely, and XXXX fuel is usually {$0.00} cents less per gallon than XXXX. I noted on the back of the gas cards that they were indeed tied hand and foot with Citi. I sent my XXXX XXXX card, cut up, back to the CEO of XXXX XXXX saying I wouldnt want to be checking out, give my card, and have it refused because I hadnt been building enough.
Then I looked at the XXXX for Citi. XXXX is rated an F,, they have ( at last look ) XXXX unanswered complaints, and are printing only every fifth letter of complaint. Citi is trying improve their image and now have added a title on the door, Executive, to make you think youre talking to someone who cares.
I have yelled long, hard, and frequently about their cancelling cards that had absolutely nothing to do with my being late. They dont care. They did it because they can, not because there was ever a problem.
That was the backup for where I am now. I explained the situation by mail to XXXX because there was no acknowledgement of my improving my financial status. I stated the cards were mine, and unless I were in arrears on them, Citi had no right to take them from me. ( As an aside, Ill never be able to drive again, but in the event I am able to go somewhere one day, XXXX, or whoever is transporting me, wouldnt have to worry about refueling costs. ) XXXX agreed the cards were mine. End of conversationafter they said all they do is assimilate what creditors give them. XXXX has been a riot. They send emails telling me to check my credit score, then they try to get you to upgrade ( for money, of course ) and eventually with enough noodling around their site, you come to what you were looking for : the number, not the reason. Daily, I receive emails from credit reporters hawking new credit cards. I receive at least two credit card offers a day. Does that make them part of the problem or the solution? Why the ads from XXXX offering to raise my score? If they can't tell me where the numbers come from, and WHAT COMPRISES THE NUMBERS THEY SHOW, as in what reason was given by each creditor for their numbers. If that's not available, then whatever is established as an XXXX number is total XXXX and any company that uses it should be prosecuted for violating the equal opportunity act.
|
| 04/15/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
This is the second time I am having issue with XXXX XXXX card. Last time case # XXXX.
The last time I made the purchase using this store card was in the month of XX/XX/XXXX. Post making the purchase, I asked customer agent to let me know how much is the total balance and as suggested by the agent I made the final payment thinking my account is current. Also, I suggested the agent that I should have received the credit of past purchase in my account and my account should show a credit from now onwards.
Later when I was not getting the statement, I called up XXXX card to verify why I can't login or check my account ONLINE. While checking they confirmed the address provided was wrong and they updated my account detail and enabled my online login.
While checking the online statement, I saw again that my account is not current and I requested them to send my the statement of last 6 months because in the month of XXXX, I moved to a new apartment. They never send me the statement.
Come XX/XX/XXXX, I logged in to my account and I saw that my account once again keep on increasing and there was a large amount outstanding in form of Late Fee plus interest rate. I once again call the customer care and inquired about the reason behind this. PLEASE note that all these calls went on for around 2 hours wherein me as a customer has to be in a ping pong stage all this time and none of the agent makes any note to the account. So, everytime I call I have to explain everything from scratch and all calls goes 2+ hours. This year I have already called and email 5 plus time without any success.
I have never made any purchase this year and till now company keeps on charging late fee and the interest.
Again in the month of XX/XX/XXXX, after staying on the call for 2 hours, agent suggested that there was a credit issues in form of a cheque to me but I stated I have never received that cheque. Agent suggested that they will reissue the credit and to stop this late fee plus interest charge, please make the remaining payment. I made the payment again just to make my account current and also made the request to the agent that PLEASE MAKE SURE THAT THIS IS NOT GETTING REPORTED TO CREDIT BUREAU as this is XXXX system problem and me as a customer should not be getting impacted. They accepted my request and I thought from now on everything is fine.
Come XX/XX/XXXX, I went to XXXX store to buy few stuff. At the counter I was told your card is not working. I said it should be and I can't believe that even though there is any outstanding amount HOW CAN THEY BLOCK MY CARD WITHOUT any information for me ( not any email or letter ). At the store the lady at the counter connected me to the customer care and once again I have to repeat the whole story. Agent told me that we will go to the bottom of this and assist you. It was again 2+ hours and I was in the store with my family waiting for the resolution of this issue once for all. But again it was getting delayed and the only option agent can tell me is the best option is please pay the amount by cash and whtever is outstanding XXXX customer support will take care and will revert back. Despite the fact the agent agrees that there is an outstanding credit which I should receive ( can't imagine why it takes 1 to 2 month!! ) and all the charges was ongoing late fee plus interest rate, he was suggesting that system has no way to stop all these charges even though it was not at all my mistake. I also asked the agent whether they make any note in the account when a customer calls so that he/she don't have to repeat again and again from scratch, he said yes we keep note of it. Later as there was no way he can confirm that the issue will be resolved, I dropped the call. Once again on XXXX XX/XX/XXXX, I called back the customer care just to check whether any note was mentioned by the earlier agent with whom I was on the call from store for around 2 plus hour, to my utter disbelief there was no note and this time too the agent was telling me " you have an outstanding balance and do you want to pay it ''.
During the call on XXXX XX/XX/XXXX time XXXX hours, when I requested that I need to talk to the manager, the agent told me that manager will call after 48 hours. when I stress on the fact that can you make sure that the case note is made, he said yes and slowly disconnected my call. Can't believe in this 21st century this is the way a company like XXXX handles a customer call.
With this complain I would like to make sure : - My issue gets corrected once for all ( My account should have XXXX balance, all the credit bureau report for last 5 months should be corrected OR there should not be any -ve reporting to the credit bureau for this account ) - the company should be liable for such casual way of handling such issue - the company should be serious about the way they deal with customer and there needs to be a feedback mechanism - in case company block the card they need to provide an information or early warning and in case the fault lies with Company they should compensate the consumer.
- the customer care team should be taken to task for being so unprofessional.
Hope this issue gets resolved and I don't have to go through all this trauma of XXXX card.
Looking forward to hear from your end With best regards, XXXX
|
| 06/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Dear Sir/Madam, I am writing this letter to bring to your attention the severe issues I have encountered with CitiBank and their Priority account services. On two separate occasions, first in XX/XX/XXXX and again in XX/XX/XXXX, I opened an account with CitiBank, only to face the same distressing situation that ultimately led to the closure of my account.
In XX/XX/XXXX, I had planned a family trip outside the country during XXXX week. As a responsible account holder, I contacted CitiBank well in advance to inform them of my travel plans, ensuring a smooth usage of my card. CitiBank assured me that they had made the necessary notes on my account and even provided details regarding spending and cash withdrawal limits, emphasizing that it would not pose any issues during my travels.
Relying on this information and for safety reasons, I carried minimal cash and planned to withdraw additional funds from ATMs upon arrival at my destination. However, upon using an ATM, I was only able to withdraw {$230.00} USD. Subsequently, my account 's withdrawal limits were downgraded from {$2000.00} to {$500.00}, leaving me unable to withdraw any further cash outside of the {$230.00}. This unexpected limitation forced me to spend numerous hours and days of my vacation on the phone with Citibank 's customer service.
During these frustrating interactions, Citibank verified that there were no fraudulent activities on my account and attempted to restore the account to its original limits. Regrettably, resolving this issue required multiple calls, frequent call drops, and extended hold times spanning hours. Each time, I had to repetitively explain the situation to different representatives. Finally, when my account was restored, I attempted to use the ATM once again, only to encounter the same problem of being unable to withdraw cash. I tried multiple ATMs across different banks, all yielding the same disappointing outcome. This situation further compounded my distress, leading to more calls, dropped calls, and extensive hold times.
The inadequate communication with overseas call centers and the poor call reception exacerbated the already dire situation. As a result, my vacation turned into a series of exhausting days spent on the phone with Citibank instead of enjoying quality time with my family. Stranded in a foreign country without cash during XXXX week, I encountered severe limitations in various places that did not accept credit cards. Citibank offered no viable solutions or explanations for the recurring issue, continuously blaming the ATMs I used, despite my attempts at different banks and machines.
Ultimately, Citibank suggested that the problem might have been a credit card chip malfunction and proceeded to cancel my card altogether. It is essential to note that this was a new card that had only allowed me to withdraw money once before ceasing to function. In conclusion, my XX/XX/XXXX trip was marred by a distressing experience in a foreign country, where my family 's holiday and vacation were significantly impacted due to being limited to a mere {$230.00}. Citibank failed to provide any reasonable explanation for this recurring issue, consistently resorting to excuses until finally closing the account, citing a chip malfunction.
Unfortunately, my most recent experience with Citibank from XX/XX/XXXX to XXXX mirrored the circumstances I faced in XXXX. Once again, I could only withdraw {$230.00} initially, followed by a temporary restoration of the account that allowed a withdrawal of {$160.00}. However, shortly after, I was again unable to withdraw any cash again. This time, I was better prepared for such an occurrence, but my experience with Citibank remained unchanged. My withdrawal limits were arbitrarily reduced from {$2000.00} to {$500.00}, and I was bombarded with excuses, including a representative 's unfounded claim that the ATMs I used had no cash. This assertion was clearly absurd, as ATMs generally display an " Out of Service '' message when lacking funds. Moreover, previous individuals had successfully withdrawn cash from those ATMs.
On the XXXX XXXX XXXX, I went as far as emailing the branch manager XXXX XXXX XXXX who opened my account and never even acknowledged my email. I spent hours on phone calls, frequent call drops, and repetitive explanations were the norm. Every representative I spoke to offered the same excuses and even suggested that the chip on the card was damaged once again. It is evident that nobody at Citibank possesses a comprehensive understanding of the situation, as they have been unable to provide a satisfactory resolution or a clear explanation for the recurring issue.
Therefore, I kindly request a thorough investigation into these incidents to prevent their reoccurrence not only for me but for others who might face similar challenges. I implore you to ensure that someone with the necessary authority and expertise at Citibank provides me with a clear and logical explanation for these repeated incidents. Transparency is of utmost importance, and it is crucial that Citibank takes accountability for the distress caused by its inadequate customer service and unresolved issues.
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this situation.
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| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Citi wrongly reported my account as 30 days late to the credit bureaus while I was in COVID forbearance, then amazingly denied reversing the reporting to the shock of even the Citi Regulatory Compliant Specialist, XXXX in XXXX, FL.
XXXX : XXXX/XXXX/20 Enrolled in Covid Forbearance XX/XX/20 Went to account ( online- cant call anyone mid-covid ), to re-up. Site says I cant re-up that account because its ALREADY in forbearance. ( See attached screenshots XXXX XX/XX/20 Went to account online to re-up, or find out if I cant, and to start paying. Site says I cant re-up because Im already in forbearance. THAT VERY DAY CITI REPORTS ME AS 30 DAYS LATE. I called immediately when my multiple credit monitoring services alert me to Citi reporting me. I took a screen shot of erroneous citi.com info in case they fixed it and denied it ever happened. The specialist on the phone assured me that the screenshots show an obvious technological error on Citis part that fooled me into thinking I didnt need to make a payment. I IMMEDIATELY made a payment to show I wasnt trying to hold out- I PROACTIVELY came to my account page to carefully manage my account, as I always have. My account has never been reported 30 days late nor have any of my numerous other accounts. This is Cits fault!
XXXX/XXXX/20 Filed complaint with Credit Bureaus and CFPB XX/XX/20 Received letter from XXXX XXXX, Regulatory Complaint Specialist saying, basically, You applied for 2-month forbearance and there is no record of you re-upping that, so you were reported as 30 days late COMPLETELY ignoring my argument that the reason I didnt send a payment is because Citis official, secure account details website mis-portrayed my account as already IN forbearance, and a reasonable person would interpret : to mean what it says : that the account is already in an active forbearance and no payment is due. During the early days of Covid, it wasnt unusual for the account page of a creditor to say an account had a min payment due, THEN inside say, No payment due- XXXX forbearance XX/XX/20 Received letter via USPS that company refused to deal with CFPB because I had listed another person in the complaint. I listed no one in the complaint. CFPB site says that Citi refused to respond because there is another authorized user on the account " XXXX XXXX '' ( my wife ). CFPB sent a letter to XXXX saying " This complaint lists someone the company does not recognize as their customer or their customer 's authorized representative '' My wife 's name is not on the card, and I never mentioned her in the complaint ( her name is not on the full text of the complaint on cfpb 's site, either. Looks like they just confused us since we both have citi accounts and live in the same house.
XX/XX/20 I called XXXX back at the phone number in his letter. I got XXXX in XXXX, FL. He reviewed the notes from the dispute and I read him my previous letter. I logged into my account just now at citi.com and it STILL ERRONEOUSLY shows that the account is currently in forbearance to this day! XXXX recommended I try again, write this letter, include full social security and account number and more specifically point out that the account detail page on citi.com is clearly in error, and that is the only reason the payment wasnt made- because citi XXXX me I didnt have to. Then reported me as late, erroneously damaging my credit.
I took careful notes on that phone call.
Some quotes from Citi Regulatory Complaint Specialist, XXXX : I dont see how they could not see the tech mistake..?
You have a valid reason for your dispute!
Hoping a different set of eyes will see this more clearly and side with you!
I have a long-standing relationship with Citi and its currently on the rocks. Im just one voice, but believe me, Im one loud voice. There is no way on Gods green Earth that Im going to take this lying down. I will be filing complaints with the Attorney General of Pennsylvania, XXXX XXXX, the FTC, and will be filing suit locally. The company I was furloughed from for Covid is active in the XXXX XXXX in XXXX and XXXX. Ive told the principals at that firm of this situation and they love my family and have offered every bit of help from free legal time to launching a star-studded twitter campaign. Theyre quite ticked off.
Were not talking about a situation where a flighty kid forgot a payment. Were talking about a XXXX XXXX XXXX dad with a long history of perfect credit pro-actively taking careful stewardship of my citi account and Citi mis-representing the account status online, and using that as a hollow excuse to mischaracterize this family to future creditors as a bad risk, causing damage. Weve had to cancel our plans to refi our house, and we may miss out on the best interest rates in the history of the country.
I wanted to include my credit report, but I couldnt download it because it has an open dispute.
XXXX suggested that I fax my complaint to XXXX which I did and so far have heard nothing.
I'm attaching both the screenshot I took of my account page at citi from the day credit monitoring detected the erroneous delinquency, and additionally, a recent screenshot to show that even though I resumed paying the account and indeed have paid it off, citi, still erroneously shows the account as currently in forbearance.
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| 11/27/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Citibank offered a {$300.00} checking bonus ( offer code XXXX ) for a new account if the following terms were met : 1. a {$15000.00} initial deposit, maintained for at least 60 days AND one of the following two options : 1. within 45 days, initiate 1 qualifying Direct Deposit to the new checking account 2. at least one debit purchase of {$250.00} or more The account was originally opened, and funded, online on XX/XX/XXXX. I received an account summary from Citibank on XX/XX/XXXX that confirmed {$15000.00} in total deposits, and I have a letter as evidence. That same day I was sent an email notifying me that additional steps were necessary before I could use the account, which included submitting a Direct Deposit form. I completed those steps. Shortly after this, I was again notified by email that there was an issue with the on-line funding. No reason was given, but I confirmed with XXXX XXXX XXXX that the problem was not on their end, and that there were sufficient funds in my account to do the transfer. I followed up by writing a check on XX/XX/XXXX for {$15000.00}, which was then withdrawn from my XXXX XXXX XXXX account and deposited into my Citibank account on XX/XX/XXXX, well within the 30-day window for the initial deposit. Once these steps had been completed, I received no further communication from Citibank until XX/XX/XXXX, so I had no reason to think that everything was not in order.
On XX/XX/XXXX, I received an email from Citibank notifying me that they would not be able to pay the {$300.00} bonus for the following reason : " The offer requirements were not completed within the offer period '' I called Citibank on XX/XX/XXXX to determine what the issue was. We determined on the phone that the Direct Deposit form that I had submitted had not been processed. Unfortunately, I had not caught this error earlier, as I had been preoccupied with planning my wedding instead of perusing my bank statements. However, the customer service agent that I spoke to assured me that a {$250.00} debit purchase would fulfill the terms of the offer, and that {$300.00} would be credited to my account within 90 days of that purchase.
On XX/XX/XXXX, I followed up on this conversation by attempting to make a debit card purchase of {$270.00} at the grocery store, but was somehow declined at the register ( despite {$15000.00} in available funds ). I then tried to pay XXXX {$250.00} on-line on XX/XX/XXXX again, declined. I called Citibank ( again! ) on XX/XX/XXXX to determine what the issue was. The customer service representative that I spoke to mentioned that a high security alert had been placed on my account and needed to be removed before I could make a purchase. This was baffling I had just spoken to Citibank on XX/XX/XXXX, announcing my intent to spend at least {$250.00} on the card within the next day or two! The agent was able to confirm that my account had not been compromised ( without explaining why it was flagged in the first place ), and I was then finally able to make the qualifying {$250.00} XXXX purchase on XX/XX/XXXX.
I received no further communication from Citibank until XX/XX/XXXX, when I received an email identical to the XX/XX/XXXX version, notifying me that they would not be able to pay the {$300.00} bonus for the following reason : " The offer requirements were not completed within the offer period '' I followed up with a letter to Citibank Customer Service on XX/XX/XXXX relaying everything that I have detailed above. One month later I had still not received a response, so I spent 40 minutes on the phone with a representative and then a supervisor on XX/XX/XXXX. The supervisor said that he would submit a claim to underwriting on my behalf and that they would investigate further. The response on XX/XX/XXXX was a boilerplate letter that listed the requirements and stated that I had not fulfilled them within the time frame. Except that I had.
I then contacted Citibank 's Executive Response Unit on the same day, hoping that someone higher up the chain could a ) acknowledge Citibank 's embarrassing string of errors, and b ) honor the terms of the agreement. Two weeks later, I still have no response, and I think that is by design. My husband applied for Citibank 's {$400.00} offer XX/XX/XXXX, and had a similar experience. He also initially funded the account on-line, and also had to re-fund it with a personal check due to some issue on Citibanks end. At the time, we wrote it off as just a glitch in the website, or possibly a paperwork oversight. But now, having seen identical circumstances play out with my account, I do n't think it is a mistake at all. I think it is a classic bait-and-switch, and reeks of dishonesty.
I think Citibank 's business plan is to frustrate and confuse the consumer with " errors '' that conveniently pop up to work in their favor. They are betting that the customer will either not pay attention or give up, and that they can then get a {$15000.00} loan for free. They are probably right - I doubt many people would spend as much time as I have trying to fix THEIR mistakes. But that is why the Consumer Financial Protection Bureau exists in the first place - to keep banks honest. Please help me hold Citibank to its contracted terms, since it does n't seem to have the interest, or the honor, to do so itself.
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| 03/16/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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The more I go through my banking statements the more I am starting to see that my bank account information was leaked to criminals who saw big deposits going into my bank and a lot of auto pays set up. So they picked a few and were able to get the money released from the bank and it then went towards paying someone elses Home Depot account and my account not actually given credit for the payments received. Though it showed receiving payments but heres the facts. I had two Home Depot/Citibank consumer creditvaccounts. One had a hot tub on it for XXXX dollars and change and I was set up on auto pay to pay out XXXX each month. The accounts were opened in XX/XX/XXXX and XX/XX/XXXX. The other account had small balance of 800-900 dollars n change on it. I know interest made it a bit more but not that much more. Not 6,800 + more and 1,800 + more. So my husband had that bank account and we had separated and I know that these accounts were to be paid off. I totally forgot about them and received no notices about them. One day my husband tells me that that bank account these auto pays paying on was over drawn and Home Depot was also processing without our authorization ARC electronic checks. Well I went online and looked at my Home Depot account. Very high balances so I called Home Depot immediately and discussed the problem. They issued me new charge cards and were to look into for me. It was agreed that I didnt owe anything else on my account but I made one last payment to them because I trusted Home Depot and was going to pull auto pay from the accounts. Then for some reason I went back on my Home Depot accounts page and searched for transactions and saw many with even high dollar amounts that when you clicked on them had nothing to show for merchandise. So I called home depot again. I told them the situation. This was same time their data breach news just became public. My husband said he would check with the bank and see what the deal was. I had no idea this was going to become a nightmare for me. I received no notices from Home Depot. I went to look up my account with Home Depot and couldnt get into my account. I figured thats because they closed it doing their investigation. I heard nothing from them. Im having other problems banking wise, I do a fraud alert and credit freeze in XX/XX/XXXXand I had done same in XX/XX/XXXX. I just know that I had a plan to pay everything off and suddenly my credit report shows balances on what Ive paid off. Small amounts but none the less I know my husband didnt charge anything. He made enough money he didnt need to do that. Anyway I never thought of how I get back in to show the charges with no merchandise if Home Depot closes account. Again I trusted Home Depot. Then last year I check my credit report after not viewing it in awhile and Home Depot is showing these large amounts.. I figure its just an error since I havent received any word from them. I try to get it fixed with credit reporting agency and they deny me. I am able to remove the second social security number off my report and incorrect addresses and spellings of my name. But all trying to fix Home Depot did was wake up people to fact Im trying to correct these errors. My credit report is a nightmare. All wrong. Its very overwhelming. For over 30 yrs I had perfect credit. Its like Im on a list or something. Well last XX/XX/XXXX I get served court papers from a collection company on this problem with Home Depot and these charges that had no merchandise attached to it. This is the first time I even heard of this company. Never received a notice from anyone about it just saw the error on credit report and tried to fix it. Then right after that here comes XXXX XXXX XXXX WITH A COURT FILING AGAINST ME FOR MONEY I DO NOT OWE. They never validated or verified the debt they claim I owed. They just went straight to court with it. I went and got bank statements and I went and filed an answer to their complaint. I said I didnt make those charges and explained the situation. Then a few months after that I get call from someone from XXXX XXXX and I explain best I could about all the auto pays and how the accounts were paid off. She didnt ask me for money after that. In mean time my sons in car accident and I go to court in XX/XX/XXXX on this suit and I have to have it continued because Im still so overwhelmed as to how this company cant show the charges because if they could they too would see what alerted me to contact home depot in the first place. They see blank purchases and just high dollar amounts. I dont know if its bank or Home Depot I just know Home Depot says it the accounts been charged off and sold and I have to go through the nw owner. Im like but you guys shouldnt have charged it off. I was never late. The statement XXXX XXXX claims is their proof I owe the money shows I was never late on payments because it was set up on auto pay!!!! Auto pay is a scary thing. Ive learned a lot from this this. My court date is in a week. A week ago I get four calls from numbers XXXX XXXX the forth call I answered and they asked for someone else. Then yesterday I get a call from XXXX harassing me to pay them. I ask them for charges and all transactions and they say they cant do that. Well what the heck. How can they say I owe them money then.
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| 12/04/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Opening an account
- Unable to open an account
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Web |
Servicemember |
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Read spoken with Defined terminology Hello Im XXXX XXXX XXXX trying to speak to you as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX currently ( not currently working attempting to return ) Owner of Citibank inc . Sole Banker since XXXX currently ( not currently working attempting to return ) Owner XXXXXXXX XXXX XXXX XXXX XXXX XXXXr ( not currently working attempting to return ) ALL BANKING VERIFICATION CAN BE PROVEN & PROVIDED Owner Ceo of XXXX XXXX. Trademark Distributor XXXX, XXXX, XXXX, XXXX games characters XXXX XXXX XXXX is Seeking your aid.
So whomever is working can possibly find my info to get me reactivated for myself.Attempting to have my assets of Banks off of your monetary supervision because of allegations of misuse and business crime.
REIMBURSEMENT of savings and business accounts with holds so with atm/debt card or cash withdrawal XXXX. Your Banks owe money to me from a savings and business account.
This is truly intended so Banking Professionals, Executives, Associates, Accountants can contact me if any aid is available to remedy this problem.I know Im wealthy planned with preparation by putting my assets into the bank with real money, scan barcode for my products like a client who was previously President and a finacial officer and still a Banker. MY Products have been sold at major retailers as XXXX XXXX XXXX, XXXX, XXXX, Here to notify you about the alleged allegations of misuse Contacting you let your Banks know that you have yet to reconcile your debt to me.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citibank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # INFO NEEDED? XXXX XXXX XXXX You Owe Millions to Billions, To XXXX XXXX XXXX.!
BUSINESS ACCOUNTS, # INFO NEEDED? XXXX XXXX XXXX You Owe Millions to Billions to, XXXX XXXX XXXX I XXXX XXXX XXXX, dont understand your lengthy delay of reimbursement of assets and business accounts information. Dont condone new licenses or terms of services renegotiated contacts about the loss of my assets to a third party I always accept my claims of assets factually excluding the third party.I always want and like whats mine and am trying to remain exclusive especially me being whom I say I Am.
You contact me threw my # ( XXXX ) XXXX email address In the Event your trying to make person to person correspondence, meet, deliver anything to me the easiest route is scheduled threw my # ( XXXX ) XXXX Email XXXX To meet person to person. Or a schedule live video email.
Professional Banker Beware full not to tamper with mail.
Of trademarks, copyright logo infringement To regain information about assets possibly confiscated during alleged crime from others concerning my assets. In their fraud investigations, crime etcetera Pushing the limits close to infrastructure with attempts of high-ups upsurbtion attempts of corporate takeovers and am asking to be removed from your deappreciation of values list. My name XXXX XXXX XXXX away from your abnagated names, indigent lists, properties of the state lists, also have denounced organized religion, organizations clubs, Sects, tribes, including residencies.
Upholding my business frameworks, dots strategies and data databases.
My incorporated products under my XXXX XXXX XXXX XXXX also Citibank inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe are not safe since my banks are under monetary by the federal reserve and cyber security leaking supposed XXXX secured info alongside previous banking accounts asset # paperwork to include others names with payroll outside of myself and example of manufacturing credits away from my total ownership business strategies calling themselves money management with cohesion. Away from my signatures and barcodes alongside synced factual economy ( XXXXXXXX XXXX ), Stock exchanges Accountants codebook.
I XXXX XXXX XXXX own all the rites of my name and self do not three way, or have others speak on my behalf. Recently with the denial of the reimbursement of any of my savings and business accounts or returnsof factual info. I am attempting to get Banks of assets to halt cease and desist with the reuse of my personal savings and business accounts # numbers for the reuse by others. Creating money in the wrong hands whom did not do any of my factual work but observed and refuse to reconcile assets. Which I won previously against your bank of assets as Vice president stopping fraudulent activity. by removing with my aid all Holds on to my accounts and monetary to regain all Executive ceo titles removing theres and iT payrolls.
Also there corporate takeovers threw media, social media propaganda, were there executive titles attempts to chance licensing terms of services creating a third-party pay recipient, I dont condone away from my business standpoint strategies.
You contact me threw my # ( XXXX ) XXXX email address In the Event your trying to make person to person correspondence, XXXX, deliver anything to me the easiest route is scheduled threw my # ( XXXX ) XXXX Email XXXX Truly XXXX XXXX XXXX
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| 09/19/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I've been a Citibank customer for 4 years and was cool for a good 3 years then they lost it! Let me preface this lengthy complaint with ( 1 ) my accounts are not overdrawn norworthy at any point over drawn during the events to follow. Similarly ( 2 ) there were no disputes initiated by me the account owner which would indicate there was any fraud or disputed action on the account for which investigation should be warranted.
And ( 3 ) at the request of literally about 40 citibank representatives over a month and a 1/2 period of time I have verified and verified in verified my account and my identity in every possible way shape and form but my account access online banking and funds have been arbitrarily locked down and frozen 11 times without explanation and without apology. I have literally spent and I calculated it based on my phone bill 17 hours between XXXX and XXXX on hold or in frustrating and FUTILE communication with citibank Corp representatives!
Recently I randomly had all of my accounts frozen for a few weeks without explanation. Every time I called I had to go through 20 questions to verify my account. Then, the with the number of times that I kept saying my first and last name it got to the point where they would actually say both names as one name incorrectly when repeating it back.
Then they blocked all access to my accounts saying that somebody was calling alleging that they were the owner of my account but it wasn't the correct name but of course it was me they just were mispronouncing my name and refusing to let me access my own accounts.
They made me go through a charade of going to the branch with 2 and 3 and 5 forms of ID about 6 times and would give me no explanation over the phone as to why I needed to do that. They just arbitrarily lock me out of my online banking, block all of my accounts and my cards and tell me to go to the branch.
Inside the branch I would be told that my accounts were fine and that there is absolutely no block on the account. Then after insisting they would call the " takeover or fraud or account specialist, '' or whoever, and these people would start grilling the branch banker like " Well are you looking at her ID? Did you get another formr ID? Does she have her card? '' And they're like " yeah I'm looking at her social security card and her ID and a pay stubb? What's the problem? '' No explanation. And I won't even go into the overdraft fees that occur when I literally can not see any of my banking for a week at a time and everything hits my account and I can't make transfers I can't speak to a representative to request a transfer over the phone I can't speak to anybody except the fraud department and they tell me they can't tell me anything.
I would leave the branch and immediately my account would be blocked again and the cycle would start all over. Again this happened 5 times repeatedly with NO EXPLANATION, no apology and no rational reason. So here we are 2 weeks after that 9-day account verification fiasco and after being in use for a week, my temporary card is blocked. Thankfully my NEW card arrived and was used ONCE. NOW it doesn't work and I have lost my online baking access. They have blocked it, telling me that I now have to reset my pin. Why?
Apparently although I've had pretty much similar pin numbers for most of my banking adult life you're not allowed to repeat digits in your pin so my pin code of choice for the past 3 years is 'invalid. ' Go figure. So I go through the representative and the tedious verification jeopardy game and reset the pin. Miracles do happen -- I'm actually able to withdraw money from the ATM yay! A small victory.
TWO DAYS LATER and my card and online banking account is completely blocked across-the-board. I've tried unsuccessfully to pay a deductible for my mobile device claim via an the automated system first, and then again ( unsuccessfully ) with a representative. Of course not only is my card blocked but my online banking access has been restricted. Again this is not one account to 1 debit card -- NOOO! This is 5 accounts including checking deposit accounts, savings accounts, checking accounts, linked credit cards, and they just arbitrarily block all of my stuff.
My accounts are not overdrawn. There's plenty of money in my accounts and two direct deposits going into my accounts. And, keep in mind, just 2 weeks ago they : They hijacked all of my accounts without explanation and demanded see every form of ID that I have literally in life : ID cards, driver license, pay stub, social security card, even other forms of payment cards, everything! But here I am : made the mistake of calling citibank while still on the phone with the insurance lady thinking they'd just remove the block after verification so I can quickly make the payment.
Instead I'm told ( after 13 minutes on hold ) " Your account is under review. We are not able to provide any further information. There's nothing you can do at this time but wait for a correspondence -- They will send you a letter or they may call you. '' So again all of my funds and access to my funds has been completely held hostage without reason, without explanation, with no end in sight comet with no resolution date explained, and with no freaking explanation!
I am XXXX!!!!!!!!
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| 03/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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Dates of Transactions : XX/XX/XXXX at XXXX ( {$2000.00} ), XX/XX/XXXX at XXXX ( {$2000.00} ) XX/XX/XXXX at XXXX ( {$1000.00} ) XX/XX/XXXX Debit card was used at a XXXX Oil in the amount of {$13.00} XX/XX/XXXX : at XXXX ( {$2000.00} ), at XXXX ( {$1000.00} ), at XXXX ( {$2000.00} ) Unauthorized Checks deposited : XXXX and XXXX On XX/XX/XXXX around XXXX I was riding on the city bus from the mall to get home and as I exited the bus and started walking, I realized that my wallet and my phone were missing. I tried to get the attention of the driver to stop but it was too late to do anything so I asked to borrow the nearest persons phone to call the police. The police that arrived informed me that there was nothing he could follow up with due to the fact it happened on the bus and it had left. I was told id have to get a replacement for my phone and any possessions that needed to be replaced so I filed a claim with my phone company first to get a new phone as soon as possible and waited a couple days to login in the XXXX mobile to report my card stolen. This is the first time Ive dealt with fraud and I didnt know how to go about getting the situation handled at first because I was in shock that it had actually happened to me. I made the wrong judgment call by not reporting my card lost as soon as it happened but like I had stated before to the bank, I recalled locking my bank card on the XXXX XXXX XXXX and XXXX think my account was gon na get touched. Ive had my account since XX/XX/XXXX and even though I do normally withdraw money out here and there, I still end up with a good amount of money left in my account with no intent to mess that up. I have never went to the ATM to withdraw no more than at least XXXX out my account, and my bank statements show the activities that the bank keeps stating is consistent activity that usually occurs when I know whats been used and how Ive handled my money. What I dont understand is how the suspect/suspects were able to access my money and deposit two checks on numerous day when the bank shouldve been block the transactions at the first signs of any unusual activity. I know my rights as a customer at a bank that I trusted to look out for their customers and its unfair that Its getting resolved in this way. I feel like its not being taken in consideration enough just because my PIN and other information was used, which I stated the reasons why my account wouldve gotten accessed. When I made a claim with the bank the first time around they informed me they were gon na help me resolve the matter and credit my account while investigating the situation, but ended up with the result that it was cancelled because they couldnt get in contact even though, I provided the representative with my new number when I made the claim and had It updated. Ive been getting mislead by the bank for a month and some days now, with the understanding that they were going to help but the bank isnt going out the way to conduct thorough investigation. Im a victim of fraud thats wrongly being accused and held accountable for transactions that the banks trying to make me be accountable for, and Ive had to make at least 6 claims that got either denied or cancelled with deceitful results. I have checks with my signature and the signature of the checks that were deposited in my account for proof and I even went out my way to get any other documentation needed to clear my name to get the matter cleared up only to get the outcome that I received. I was told by one to many representatives or supervisors from the bank that I was to get my money credited and the matter resolved and even waited a couple days just so they could deny the claim again. Fraud happens to many people in a whole lot of ways that I could understand why suspicion of the account holder would come to question, and a lot of victims get blamed and have to suffer the consequences because the banks or companies refuse to cooperate and do the extensive research needed or they just dont want to care enough to go out the way. I dont know how the suspects involved couldve gotten ahold of any other information needed to access my account but the reasons I told the bank, and I informed the bank numerous times that my phone and wallet were taken and had reasonable information in it that theyd most likely get ahold of to get the access needed. I have XXXX so I struggle with short-term memory and I write my information in my phone and in my wallet but it doesnt mean Im negligent or gave permission for anyone to touch my money in my account. I refuse to give up the matter and let the people actually involved get away. I want the people/person caught and to get prosecuted for the inconvenience caused because its just not right that I have to suffer like this. The bank is being inconsiderate in not thinking how Im being affected from this by just jumping to conclusions. Any footages from the places that any of the transactions stated occurred can be used to get more out of the investigations being done. Im asking that my frustration be understood as I have been borrowing money to get by and have had to push all my bills back. Ive patiently cooperated with the bank but Im also frustrated from waiting numerous times on getting this matter appropriately resolved.
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| 10/15/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I made a charge for XXXX to the XXXX XXXX XXXX XXXX XXXX ( I am an XXXX XXXX XXXX ) for my dues. Later, while logging into the account from my XXXX, I was told that there was suspicious activity on my account and I was notified to call a number.
I called that number yesterday afternoon on XX/XX/XXXX and spoke to a Citibank representative who stated that he cleared the purchase and that he will take off the alert - this was around XXXX XXXX PST.
Today, the alert was still on my account. I made a phone call at XXXX XXXX on XX/XX/XXXX and spoke to XXXX at Citibank who told me he would have to review the information since there was a significant amount of information. I told him there was no fraudulent activity at all as I just logged in. Further, I told him I am traveling to XXXX for professional reasons ( give a talk on XXXX XXXX XXXX XXXX XXXX ), and I need that card to be active. XXXX HUNG UP ON ME. I have the phone call log on my phone. I was not rude nor did I swear during this phone call.
Later, on XX/XX/XXXX, I called back and spoke to XXXX at XXXX XXXX. She would not give me her employee ID nor would she give me a reference number for the phone call. She put me through to her supervisor XXXX who told me that she could tell me any information about my account because the phone call on record was DIFFERENT than the one I was calling from. I went online and told XXXX that the two phone numbers on the Citibank system were both valid numbers and I was calling from one of them! I told her to call me back at one of them, and she refused! I asked her how I can rectify the problem, and she stated that I had to call the credit bureaus and update my phone number. I have never been told this before by any credit card company - especially after I have been using the card, and my profile has the correct address and phone number x TWO! I told her that this is impossible on a weekend, and it seems as if there is some crooked activity on behalf of Citibank since I own another Citibank card and have no alerts on that card ( it was activated at the SAME time ). She refused to budge and help me. I told her that she is not helping the customer at all.
I called all 3 credit bureaus and they all have my correct phone number on record. This puts me in a position where I can not use a credit card and the company will not resolve the issue. Nor will they tell me how I can resolve this. I have excellent credit and very honest - however, I can assure you that this is the most incompetent service of any credit card company I have ever seen.
Lastly, and most importantly, I have filed a previous complaint regarding this exact SAME company over the EXACT SAME THING weeks prior. They put a fraud alert on my card, and would not let me take it off! I had to conference a XXXX XXXX XXXX employee with the Citibank to confirm my identity. And now, they do this. Please explore your records, and you will find the complete report. Citibank had a mediocre response to the event.
Please understand that this incompetent behavior and " overtriage '' of activity results in significant trouble for hard-working individuals like myself. I have no credit card to use in XXXX, and was asked to give XXXX XXXX there as well as assist in XXXX. None of these employees have that responsibility nor do they understand the repercussions that this event has caused. How would they like it if someone randomly froze their cards and would n't give them an opportunity to correct it!
I have screenshots of all the messages I sent to Citibank, and I also recorded all the conversations over the phone. The individuals involved were told that they were being recorded by myself for each conversation per law ( which varies from state to state ). They all acknowledged it is ok - further, their calls are supposedly time-stamped and recorded. I did this, in case there are any legal ramifications of my trip.
I am happy to supply more concrete evidence to back my case if CFPB so requires. At the end of the day, you have some incompetent individuals behind a phone who think they are untouchable and not accountable to customers who are compliant. At some point, there should be accountability via warnings or termination. Further, Citibank should do quality control on their fraud department to improve this process so professionals like myself are not left in situations like this.
I have had XXXX XXXX cards and other credit cards and never experienced this sort of incompetence before. I am terminating these cards ASAP and obtaining another company 's cards, but I want record of this company 's terrible customer service. I hope each of these individuals suffers a similar, or relatable, plight one day so they can understand that what goes around ... .comes around.
Please see below for screenshots of messages sent to Citibank today via SECURE MESSAGE CENTER I am also in the process of discussing this with my state senator/representative to investigate this issue as this has happened to many others : XXXX XXXX XXXX Lastly, I am looking into legal recourse as this latest issue on behalf of Citibank may have some XXXX XXXX issues with my XXXX XXXX and XXXX XXXX in XXXX. All conversations were recorded legally with consent and are admissible as evidence.
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| 08/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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After an extensive, months long problem with a sales transaction with XXXX XXXX in XXXX XXXX NJ we were left with NO option but to file a dispute with our credit card company, CitiCards. In XXXX XXXX the merchant sold us DEFECTIVE laminate flooring. After a long battle they offered us a {$1500.00} " STORE CREDIT '' they said " could be applied to any flooring of our choosing ''. Due to the fact THE COST to rip out, buy new flooring and have it installed was over {$6000.00} we did NOT accept that offer .In XXXX we received another emailed from XXXX XXXX with a 2nd offer, this time in the form of a check .We accepted and considered THAT order for the defective flooring " closed ''. We used the STORE CREDIT towards carpeting and have a signed contract from XXXX dated XX/XX/XXXX. On XXXX the merchant emailed us saying we had to " pre pay '' the balance due - even though the contract read " DUE ON COMPLETEION '' .They charged our Citi Card {$470.00}. On XXXX XXXX XXXX XXXX sent installers to our home and to our, shock they arrived with THE WRONG CARPET .We immediately called the store saying we were not going to accept it and this started a fire storm of problems. There were many back and forth emails which got us nowhere .SO, we decided to file a claim DIRECTLY with the manufacturer - XXXX XXXX XXXX Georgia because XXXX REFUSED to do the right thing and order us the exact carpet we selected .Regardless of the cost or the method of payment -no one should be forced to accept anything they DID NOT order and DO NOT WANT. On the XXXX contract it clearly shows the type, style and pattern number for the rug we chose. On XX/XX/XXXX XXXX sent an email saying they WERE CANCELLING OUR CONTRACT, KEEPING OUR DEPOSIT AND THAT WE WERE NOT TO CONTACT THEM AGAIN. Since XXXX REFUSED to order the correct carpet and would NOT refund the balance we paid, we contacted XXXX in Georgia. XXXX handled the new order of the right carpet and arranged for a different company to install the rug on XXXX XXXX XXXX REFUSED to order the correct carpet and kept the money REFUSING to credit our Citi Card account for the {$470.00} even though they did NOTHING. In XXXX we filed our dispute against XXXX XXXX with Citi Cards and since that time, we have sent Citi dozens of emails, photos, copies of contracts and made countless phone calls trying to make them see the FACTS and support our position that XXXX has NO RIGHT to keep our deposit. We quickly sent everything they ( Cit Cards ) asked for - AND MORE. In an attempt to have us drop the dispute XXXX intentionally dragged their feet and weeks, then months passed and Cit kept telling us " they had not heard back from the merchant '' .They had NO explanation as to WHY they were keeping our money. Our MAIN position was CLEAR .In their XX/XX/XXXX email XXXX stated they were " cancelling our contract ", " sending the goods ( carpet ) back to the manufacturer '' ( XXXX XXXX and that we were NOT to get in touch with them again. It has been over 4 months the only thing XXXX has ever sent Cit Cards is ONE single letter! ONE, and, in that letter they kept trying to imply the compensation they sent us in XXXX XXXX for the DEFECTIVE FLOORING was the reason they were not going to credit our account! That PREVIOUS offer had NOTHING at all to do with this carpet problem. The credit we received WAS applied to the carpet order, but AT NO TIME during that transaction, did the 2nd offer of {$1500.00} given to us to replace the defective XXXX XXXX come into the picture.That went towards the cost of replacing the DEFECTIVE FLOORING .It had NO bearing at all on THIS dispute but to manipulate the facts they used it to confuse Cit Cards and get out of having to credit our account for money.XXXX KNOWS THEY DO NOT DESERVE to keep the balance we paid them for a jobg whty did not do .The company had to resort to twisting the facts and resort to using fraudulent information to get out of issuing a credit our account .Thats FRAUD and THEFT and its wrong for them to LIE to keep our deposit money when they broke a customer contract, sent back their merchandise and did NOT DO any work at all! How can this be? How can a company use devious tactics and convince a credit card company of lies.? Now, Cit Cards just informedd us that due to the fact " too much time has passed '', the dispute is now closed and they are rebilling our account even thought XXXX is essentiallyy stealing money form us and we are not going lie down and allow some shady underhanded company get away with this form of consumer theft.We intend to take this to whatever office or agency we have to stand our ground .We 've been honest hard working people all our lives .I ran my own business for almost 30 years before my XXXX XXXX .This is wrong! They should be ashamed of the way they conduct their multi million dollar business and how they treat customers who trust them and give them their hard earned money. We REGRET not reading the terrible reviews and complaint 's .After the FIRST disaster with the flooring we would NEVER have done business with them again if not for the store credit we had to use. WE believe in the golden rule and to always do the right thing and find it shameful that businesses ' value the almighty dollar more than people.
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| 09/14/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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Over the weekend it was either XXXX, XX/XX/XXXX or XXXX that I open an online banking account with Citibank because I already have a credit card through them and I have moved from the state of XXXX XXXX to XXXX and I open an account. I transferred {$50.00} from my account in New York to do initial funding and then on XXXX, XX/XX/XXXX I was issued a refund for an earnest check from XXXX XXXX XXXX XXXX XXXX And they physically gave me the check on XXXX, XX/XX/XXXX. I use the mobile deposit feature with my Citibank app to do a mobile deposit of this check so I would have access to these funds while Im waiting for my unemployment to start and to get my first paycheck I called Citibank to find out when these funds would be available. These funds I was told would be available on XX/XX/XXXX. I called them right after I did the mobile deposit on XX/XX/XXXX on XX/XX/XXXX. I went into my mobile app to just to check to see if my funds were available those funds were not showing it was still showing as pending, so I started a mobile chat with Citibank to inquire on when these funds would be available. The person that I was on the mobile conversation was the mobile app said that these funds were going to be available by XX/XX/XXXX and he said possibly sooner if the check cleared so later on the day of XX/XX/XXXX, I went onto my mobile app to just check the status and happen to see if the funds may be had cleared and when I went in my account my banking account checking account was not even showing I couldnt even see it, I did call Citibank to find out why I couldnt view this and I was told a block was put on my account and I really didnt understand why so I was told to give it XXXX to XXXX hours. The box should be removed and everything would be fine. I did called on XX/XX/XXXX oh no XX/XX/XXXX which was XXXX to find out about my account and I was transferred to the fraud department I was being accused of fraud. I did not commit any fraud. The representative that I was on the phone with which happens to be in XXXX, and they will not connect me to anybody in the United States, or anybody of hire service in Citibank that I could speak with. They told me that my account was in the process of being closed because of fraud they said it would be XXXX to 60 days before I would be able to get any funds if they approve me getting any funds from this account I called the XXXX XXXX XXXX XXXX XXXX to ask them if there was any way they could put a stop payment on the check that they issued me and issue a new one I would pay their fee they were going to do that for me and when they called the bank to put the stop payment they were told by their bank that the bank had already cleared the check, so Citibank got my money on XX/XX/XXXX, Citibank is telling me that the check has not cleared that they are going to close my account even though they verified with XXXX XXXX XXXXXXXX XXXX XXXX that they gave me the check and that the check was legitimate they are saying that I have committed fraud, which I have it. They are blocking access to money that I need to get by on until up. I get my first paycheck I have I dont know what to do I dont know how to fight them. I know it takes XXXX to XXXX business days with you guys to help with these complaints but do you if theres any way anybody can help me this heater I would appreciate it, they refused to transfer me to anybody that could maybe help me to try to expedite this they refuse to unlock my account. They are saying that I committed fraud which I didnt. They are saying address is in this and that does not match. I told them I changed my address on your website. I have not had a chance to change my address on my drivers license because I just moved here to Alabama and I am trying to get my house set up And they dont care and I have a gut feeling that these people are going to take my money theyre going to try to say that I committed fraud and theyre going to keep my XXXX and {$50.00} that I deposited with them in good faith, that so I would have some money to use to pay some bills wow Im in this transition process from XXXX to Alabama I just need how do you need some help to report these guys are of this predatory and fraudulent practice that they are doing. They wont even call the customer to let them know that they blocked the account. They want the customer to go in and try to either use their account or check something to find out that theyve blocked it and then be told that for some reason theyre just not gon na open their account and unblock it so they can get to their funds and theyre going to close their account and theyre going to make you wait XXXX to 60 days until they decide if they want to give you your money back, this is wrong but I just need some help from somebody. Ive got my email with my phone number. I just need some help thats all thank you if theres anything else you need just let me know. Thank you much bye-bye.
Another address that they may have associated with this banking account is XXXX XXXX XXXX, XXXX, NY XXXX. I dont know if me changing my address to where Im currently living causes. I have no idea but if thats the case, its still wrong because I did it still didnt do anything wrong I moved so I just need resolution please thank you.
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| 09/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/18 I purchased a XXXX XXXX XXXX XXXX XXXX from Best Buy using an approved Best Buy Visa/MasterCard ( issued by Citibank on the evening of purchase ) for a total of XXXX - inclusive of tax. On XX/XX/18 an attempt was made to pair and install all four included cameras. One of the cameras would not pair to home base system. Several further attempts were made to connect to no avail. An instructional pamphlet advised if there was any connection issues to contact technical support. After contacting XXXX and going through several troubleshooting tests, the technician deemed the camera was in fact defective and issued me a case number and stated that a RMA ( return merchandise authorization ) would be subsequently issued. I would need to complete the RMA online, and they would send me a new camera and it would also include a shipping label to return the defective one. Regardless of this directive, I felt I should just get a new camera from the store. I went back to Best Buy on XX/XX/18 and spoke to sales person who originally sold me the product. He told me that Best Buy has an agreement with XXXX ( the parent company ) that any matters of a defective nature with XXXX products must be returned via RMA and that Best Buy would not accept a return at the store. After approximately 2 1/2 weeks I still had not received any communications or new camera from XXXX ( XXXX ). I went back to Best Buy and attempted to return the product for the second time. This time I spoke to the store manager for the customer returns department. I advised him of what happened and he advised that he could not take back the product - but he would attempt to help me by calling XXXX customer Service and he placed a call right then and there. XXXX proceeded to confirm that there was an RMA issued and completed for the defective camera and told him again that a new camera would be sent to me and the defective one needed to be returned within 10 days upon receipt of the new camera. I told the store manager that I was calling Citibank to inform them that I am now disputing the charge for the camera and explained the entire situation in light of XXXX already promising this and still had not made good on the RMA. I was advised by Citibank that they would investigate and that XXXX - XXXX had 6 weeks to respond to any inquiry they issued. Again I was sent home by Best Buy with the product and told to wait to receive the new camera. A few more weeks go by and I still have not received ANY communication or new product in the mail from XXXX. On XX/XX/18 I received an envelope in the mail from Citibank with a letter advising me that I am being held responsible for the charge for the product as they were informed by BEST BUY that I failed to return the defective camera to the store in the allotted return time period and they are considering the dispute resolved. I was fairly annoyed at the lack of concern and ineptness of XXXX, Best Buy and Citibank in the treatment of a customer but of the entire chain of events as well and the outright lie. I again went back to Best Buy with the product and demanded that they take back the product, that I was not waiting any longer for a resolution and showed them the communication from Citibank. Fortunately, the same RETURNS dept. store manager was working that night and he was familiar with what previously happened. He conferred with another store manager and they agreed to now take back the product. HOWEVER, they would not issue me a refund on the credit card. They would only give me a store credit. THIS WAS COMPLETELY ABSURD AT THIS POINT. I told them that this was unacceptable that I wanted a refund as I was thoroughly dismayed and disgusted with all of the companies involved at this point and wanted to do no further business with any of them. I called Citibank while I was in Best Buy raising the dispute again, stated I wanted a complete refund and the Citibank Rep basically told me directly and nastily it was TOO BAD! I would only be getting a store credit and there is nothing more they will do for me. At that point, I told the representative from Citibank that I no longer wanted to do business with them and to close my account. The rep advised me shortly thereafter that the account was now closed. As of this date ( XX/XX/18 ), the credit bureaus have acknowledged that my Citibank Best Buy account is now closed. I will continue to dispute this matter until I am refunded the entire cost of the merchandise. I do not intend to spend another cent in CREDIT with any of the corporations involved. It should be noted that when I was speaking with Citibank on both the 2nd and 3rd contact with them regarding this dispute, I asked if they would send me a confirmation email regarding the discussion of the dispute and was told emphatically NO each time, but that they could provide me with their name and location! THEY DO NOT HAVE PROBLEMS SENDING YOU MANY MANY ADVERTISING EMAILS, BUT FOR A SITUATION LIKE THIS, I WAS REFUSED. ABSOLUTELY CRAZY AND I BELIEVE UNETHICAL.
Attached herewith is the documentation I have accumulated regarding this matter to date.
Thank you for your investigation and help with getting this matter resolved for me ( and all consumers ) with a complete refund of my moey.
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| 10/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I am writing to complain about CITI Bank for - Placing an inaccurate charge which generates a wrong balance on one credit card that's already closed. Furthermore, CITI BANK flagged this account as 30 days past due because of this mistaken balance. This flag significantly harms my credit history and brings my credit score 61 points down immediately ( XXXX - XXXX, please see the attached screenshot ). In my XXXX credit history, this is the first and only time I have received a credit flag. Because of the mistake from CITI BANK, my financial plan ( refinancing and mortgage ) is significantly messed up.
- No actions as promised up to 7 business days after two phone calls with their customer service department. Both representatives in the phone calls have confirmed it's CITI BANK 's mistake and promised that CITI BANK will fix it soon and send me written mails for further information.
Context and Timeline : XXXX : - I noticed from the Citi mobile app that my prestige card account had been closed ( last 4-digit XXXX ) without receiving any notification.
- I immediately called CITI Bank Customer Service ( on XXXX ) and told the agent that I had not received any notification about the decision. The agent told me that they had mailed me a letter and that no email had been or would be sent. I had not yet received the letter by that time.
- During the phone call, I tried to understand if there was any way to reactivate the card. I was told that once the card had been closed, it could not be reopened. I was very disappointed and decided to cancel all my CITI credit cards ( including another Citi reward car d ) and pay off the balance.
- Over the phone, I double-checked and was given confirmation by the agent that my total balance due was {$2000.00} and that the {$490.00} membership fee included in the final balance charged for XX/XX/XXXX- XX/XX/XXXX would be reimbursed ( because the card was canceled in XXXX XXXX, so no service was rendered ). The payment was made over the phone on XXXX and was processed successfully ( Please find the attached email confirmation ).
XXXX : - I received one notification from XXXX indicating that CITICARDS CBNA has flagged my account as 30 Days Past Due on XX/XX/XXXX. This is marked as XXXX XXXX XXXX ( 30 Days Delinquent ), and my credit score had dropped 61 points because of this.
- I immediately checked my CITI BANK accounts, and it turned out that the {$490.00} membership fee was not reimbursed despite the cancellation of the credit card INITIATED by CITI. This is different from the confirmation I received from CITI BANK Customer Service during the XXXX phone call ( In the later phone calls, I asked CITI BANK agents to check the recording of XXXX phone call but got rejected ).
- I contacted CITI Bank Customer Service Department. One of the supervisors checked my case and acknowledged that it could be CITI BANK 's mistake. But she told me that they could not offset the balance for me ( because " XXXX is such a large number ) and that I needed to write a paper letter to Citi Bank by myself to ask for it.
- I asked the agent if I could get anything written for this case and detailed instruction for this letter ( including the address and required material ). The agent promised that they would send me an email after they found the suitable template within 1 - 2 business days.
XXXX : - Two days after the XXXX phone call, I had not yet received any email but a voice mail asking me to call back CITI BANK Customer Service XXXX I spoke with a different agent and had to re-explain my case again to convince her to check the notes left by previous agents. She said in the notes the mistaken balance was acknowledged, and they will clear my balance. I asked about the effect on my credit history and the written promise by the previous agent ; she said that because they CAN NOT SEND AN EMAIL, I would receive a paper mail with instructions for me to write back to CITI again asking to dispute the credit effect.
XXXX : - I have checked my CITI BANK accounts- and I still see the past-due balance. No mail nor email has been sent to me about this case, and no further communication from CITI BANK on this matter.
- I spoke with an agent and her supervisor for two hours and the supervisor promised me that she was resolving all my issues step by step over the phone and I dont need to call back again, including : 1 ) clear my account balance to 0 2 ) write to CITI credit department to withdraw my collection from the credit bureau XXXX She gave me a confirmation number as XXXX. And promised me that the balance will be cleared by XX/XX/XXXX, the collection will be withdrawn be XX/XX/XXXX.
XXXX : - Neither is resolved as promised. The CITI BANK didnt clear my balance but even used my checking account for the payment. And the most ridiculous thing is every time the representative told me that they have put notes but every time I called, no notes can be found on my account that I have to spend hours explaining my case and deal with the questions.
Throughout the entire process, what I request from CITI BANK is simple ( and they have already promised me both ), yet NEITHER is delivered : clear the balance on credit card XXXX.
remove the collection flag on my credit report.
|
| 03/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
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|
Web |
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I am writing to you to voice a concern and an issue I had with my Citi XXXX XXXX with you ending in XXXX. So to explain the situation that arose was that I had issued a balance transfer from a card at another institution. That was completed on XX/XX/XXXX and I was charged a {$290.00} for my balance transfer. Which was agreed to along with the 0 % balance transfer rate though XX/XX/XXXX. Which I was perfectly fine with and what I wanted. So the next month I thought I changed my AutoPay to pay the minimum balance and not the statement balancewhich I thought I changed. I guess I didnt and had a charge of {$10000.00} come out of my checking account on XX/XX/XXXX and overdrew me. So when I saw that I called CitiCards to get this resolved. The person I spoke to on the phone said to just update the AutoPay and I wouldnt get charged again and it would pull my minimum payment. So I changed and updated it all I thought was good. Then again on XX/XX/XXXX CitiCards charged me for my statement balance again in the amount of {$10000.00}. Which again overdrew me with my checking account. I called CitiCards again to try and resolve this and they told me that I would need to place a stop payment at my bankwhich is not what the Rep stated the previous day I called. So I proceeded to place a stop payment at my bank to stop this charge. I then went and made an additional payment to my Citi Card for {$200.00} to make sure I wasnt late on my payment. My account was setup for AutoPay for the minimum balance after this whole fiasco. So my autopay was setup and everything was good so I never looked back since there were no issues. Now when I am doing my taxes and reviewing documents I noticed that my Balance Transfer Promo is no more.its gone! After doing some research I noticed that my balance transfer promo that was agreed to on XX/XX/XXXX for 0 % till XX/XX/XXXX was removed because of this whole autopay debacle. So I paid a balance transfer fee for 0 % till XX/XX/XXXX and only granted me the balance transfer fee for one month because of the payment mishap. I think this is not right and someone should look into why this happened and ethically it is not fair I lost my balance transfer rate. So from the CitiCard rep that I spoke to place a stop payment I think they should have informed me that I lost my balance transfer promo that I paid {$290.00} back in XX/XX/XXXX. Citi should look at resolving this and I have been a customer of yours since XXXX! So I called last night on XX/XX/XXXX and spoke to a rep who transferred me to their supervisor who was unwilling to help and was quite rude with her responses and refusal to even have someone investigate this. As to why it happened and why no one at Citi Cards caught this mistake as to my promo rate being removed for an error in an auto pay payment. The supervisor refused to help me and kept saying there isnt an option for my requestthere is no option. Isnt there an option to send an e-mail to their boss or supervisor to look into this matter that caused me to incur over a thousand dollars in lost money? NO she refused and said there is nothing she can do. I stated there are regulations and rules against things like this and she needs to get her supervisor on the phone or make them aware of this situation. She again refused and said there wasnt an option. I couldnt spell her name but got her employee id which was XXXX I think. It is just concerning that I have been a valued customer and paid a lot of money in interest for close to 17 years with you and the supervisor was unwilling to help and continued to state there isnt an option. So after looking at statements this would mean that Citi Cards has mis-appropriated my payments in the amount of {$1000.00} roughly give or take the statement cutoff date.that I was getting charged in interest that I wasnt supposed to and was supposed to be going to my principal. In addition to that I paid a balance transfer fee and made an agreement with Citi Cards that I would be guaranteed the promotional balance until XX/XX/XXXX for a fee of {$290.00} which I paid that fee. I would like someone to look into this and get this corrected for me since I wasnt at fault and it was a system glitch or error that occurred to remove my promotional balance back in XX/XX/XXXX and had the returned payment account for a purchase interest rate. I tried calling multiple times to rectify this and thought it was correct and shouldnt be penalized for this occurrence. In addition I was trying to speak to an agent last night XX/XX/XXXX via chat after the supervisor refused to help me. It was funny I got connected to the chat then said I had to wait. I got a notification that the rep was available and typed my questions to them. Got no response then I got a response and I was trying to get into the chat and the XXXX magically froze and shut down. This happened nearly 10 to 15 times so I could read what the rep said or reply. The app worked fine viewing my balances and statements about once I went to the chat the app shutdown. Very frustrating and think this was done on purpose since the supervisor who I spoke to earlier was still working and may have had a hand in shutting down my chat on their end. Someone needs to look into this and get back to me.
|
| 02/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I purchased a {$1.00} bag of coffee from a company named XXXX XXXX. I thought this was the completion of my transaction, but on XX/XX/XXXX, I was charged {$68.00} for an additional four bags of coffee to be shipped to my home, which came to me as a surprise. Naturally, I disputed this charge through my credit company. It turns out that this was actually a subscription service, which was only clear deep in the terms of service of the original purchase. On XX/XX/XXXX my credit company informed me that their investigation led them to side with the merchant regarding this transaction. I immediately responded to my credit company, informing them clearly that I did not authorize this charge. On XX/XX/XXXX, my credit card company responded that they can not help me further and that I should speak with the company.
From this point, I contacted the Federal Trade Commission ( FTC ) to report fraud, reported to the XXXX XXXX XXXX ( XXXX ), and the State Attorney General for the State of Alabama. These organizations followed up with XXXX XXXX regarding my complaint, to which XXXX XXXX agreed to a full refund of {$68.00}. During this entire process, XXXX XXXX has included deceptive material and have consistently made efforts to avoid any type of refund. XXXX XXXX responded to the State Attorney General of Alabama and claimed to have refunded my money XX/XX/XXXX. As of XX/XX/XXXX, a refund has not been processed. I want to reemphasize that this company lied in a letter to the government agency, claiming later ( XX/XX/XXXX ) that they " can confirm that we tried to processed a refund '' ( indicating that indeed, they had not processed a refund ).
I called Citicard about a week or two ago and they confirmed that ( A ) no refund is currently being processed by XXXX XXXX, and that ( B ) XXXX XXXX is free to process a refund, regardless of chargeback status, at any time. I think it seems clear given the above that XXXX XXXX, although they have claimed in writing in both letters to the State Attorney General of Alabama and to the XXXX XXXX XXXX to have process a refund, yet clearly none has been processed. These actions seem immoral, unethical, and illegal. I encourage the CFPB to do a simple XXXX search for " XXXX XXXX Scam '' and enjoy the plethora and history of clearly deceptive and fraudulent activity.
In XX/XX/XXXX, the Federal Trade Commission ( FTC ) signed into law the " Restoring Online Shopper 's Confidence Act '', which includes the following language ( source : ftc.gov ) : " This Act prohibits any post-transaction third party seller ( a seller who markets goods or services online through an initial merchant after a consumer has initiated a transaction with that merchant ) from charging any financial account in an Internet transaction unless it has disclosed clearly all material terms of the transaction and obtained the consumer 's express informed consent to the charge. The seller must obtain the number of the account to be charged directly from the consumer. '' In light of the above, I would like to emphasize from above a few points : ( A ) I did not authorize nor give express informed consent of the charge ( all instances show " Order Total '' as {$1.00} ) ( B ) The company did not clearly disclose terms of the transactions - XXXX XXXX ( when I called them in XX/XX/XXXX regarding this charge, they claim to have " multiple sign-up pages, some which are less clear about the terms '' - I was told this on the phone by what may have been a XXXX woman ). ( C ) the charge to my account did NOT include information obtained directly from me ( I provided my credit card information only to process a single charge of {$1.00} ).
I believe that, given the violation of the Act listed above, subsequent false claims to state, federal, and private agencies, and finally the methodical, premeditated, and consistent fraudulent activity recorded in numerous locations online, XXXX XXXX shoudl be invested further for their actions, and at minimum, should refund me the full amount which was billed to my credit card. I am disappointed that my credit card did not look further into this situation, disregarding my contact to them to take further action. This is all somewhat comical in light of recent news that XXXX ( the credit card I used ) announced a strong stance against these type of transcaction in their official blog. Please see below : XXXX XXXX XXXX Given the entire content of this submission, I believe the right ethical, moral, and legal action the CFPB can do on my behalf as an honest, hard-working consumer is to honor my request to have XXXX XXXX simply process a full refund of {$68.00} to my credit card. Given that XXXX XXXX has been consistently dodging my requests to process a full refund, and they already made false claims to state, federal, private, and financial institutions, I believe my credit card - along with their responsibility to chargeback fraudulent charges - should reinstate a chargeback and process a refund of {$68.00} to my account. It is the role of Citibank to protect consumers per the cardholder agreement and the Federal Consumer Credit Protection Act, and they should advocate on my behalf and complete a refund or credit of {$68.00} to my account.
|
| 06/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased our plane tickets directly to XXXX in the amount of {$3900.00}. Due to COVID 19 XXXX XXXX changed our flight time. I cant go directly to XXXX to request for refunds and had to cancel it with XXXX where I purchased the tickets.
XX/XX/2020- I cancelled my XXXX XXXX ticket with XXXX. I have all the refund paperwork from XXXX. But merchant sent me an email a week after that they can no longer issue me a refund because XXXX XXXX are not refunding them the money but only allowing passengers for credit.
XX/XX/2020 - Filed a Costco Citibank Dispute for a ticket purchased at XXXX {$3900.00} asking for a refund because the merchant has agreed to initially issue me a refund and changed a week after that they can no longer issue a refund.
XX/XX/2020-I was still communicating with the merchant XXXX and notified them that on XX/XX/XXXX DOT issued a letter to all airlines. In accordance with Contract of Carriage and the DOT Notice, I am entitled to a refund for the unused transportation even for non-refundable tickets due to change time.
XX/XX/2020-The merchant XXXX did request another refund request and this time via XXXX XXXX website. The merchant notified me this that they have sent another request online for a refund via XXXX website and they sent me tracking number so I can track it.
XX/XX/2020-Citibank sent an email that they closed the dispute investigation and since the merchant cant issue me a refund at that time and based on all the paperwork they closed this dispute investigation and Citibank reversed the charges to my credit card and the full amount has been charged to my XXXX statement. I did not contest this with Citibank because I was still waiting on XXXX refund if they will issue a refund to a merchant and I can just resolve the refund issue with the merchant directly.
XX/XX/2020-I went to XXXX website to check on status on my refund and was approved on XX/XX/XXXX and the funds will be sent back to the merchant XXXX XXXX directly.
I then sent an email to the merchant XXXX XXXX to let them know that the refund has been approved by XXXX XXXX on XX/XX/XXXX. The merchant XXXX responded that they will issue me the refund once they receive the funds from XXXX and they notified me that Citibank has raised a 2nd chargeback on XX/XX/XXXX. They stated that the bank has taken out the money from their account. Therefore, they are requesting to remove the 2nd chargeback so that the refund can be initiated from their end as soon as they get the funds.
XX/XX/20 & XX/XX/20 - I contacted Citbank and sent Citibank billing dispute an email twice asked them to remove the 2nd chargeback since they closed this investigation. Citibank kept refusing the there is no 2nd chargeback and they have closed this investigation the funds should be with the merchants bank. I'm so frustrated because they're not willing to help me to at least reach out to the merchant bank directly to resolve the 2nd chargeback the Marchant keep insisting.
XX/XX/20-I reached out to the merchant XXXX again to let them know that Citibank stated that there is no 2nd chargeback. The merchant responded and submitted a document showing that there is 2nd chargeback on XXXX. I then submitted the document to Citibank Billing dispute and escalated my email to a Supervisor Billing Dispute investigator if they can reach out to the merchants bank directly to resolve the 2nd chargeback and remove it. I requested if they can send me a letter from the merchant bank to state that the 2nd chargeback has been removed.
XX/XX/2020-Citibank responded with an email and stated they have closed the investigation and they cant further assist. I am not very happy with their response. Since this is between Citibank and merchants bank why cant Citibank help me to get the 2nd chargeback resolve. Is it hard for Citibank to call the merchants bank and ask them to confirm that the 2nd chargeback on XXXX has been removed.
My complaint here is with Citibank Dispute I am not disputing about them closing the investigation and Im not asking them to resolve the refund with the merchant. I just want them to remove the 2nd chargeback so the merchant can issue me a refund. The merchant has already notified me that they will issue me a refund once the 2nd chargeback has been removed. All Im asking is for Citibank dispute to contact the merchants bank directly and investigate the document I sent them why there's a 2nd chargeback on XX/XX/XXXX and why Citibank keeps refusing that there is no 2nd chargeback but the document shows there is a 2nd chargeback issued by Citibank. Citibank has already charged me on my XXXX statement. Someone has the money of {$3900.00} I just don't know who has the money if Citibank has it or the merchants bank has it. It just needs to be released back to the merchant directly so I can settle my refund issue with XXXX XXXX directly.
I hope this information helps and I would really appreciate any assistance on this matter. Somehow the money I was charged is lingering somewhere either with Citbank holding it or the merchants bank. I just need the 2nd chargeback remove and send me a letter stating that this has been resolve with the merchant bank and that the chargeback has been removed.
Thank You
|
| 09/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American |
|
XX/XX/2020 Sears Credit Complaint XXXX XXXX XXXX XXXX SD XXXX Re : Reimbursement Dispute To whom it may concern, I am writing this letter, in accordance with your guidelines, to dispute the amount of reimbursement for a program I enrolled in on XXXX XXXX under offer code : XXXX. The offer was to earn 10 % back in a statement credit on eligible online purchases. I called in several times to insure I understood the qualifications to participate in the stated program offer. Each time, I was told, as long as you make the purchase, or make the payment online, it will qualify for reimbursement. I proceeded to make purchases online during the qualifying period of XXXX after I had activated the promotion. I was reimbursed for some of the purchases, but not for others. Each time I received my statement, I called in to question the rate of reimbursement. The first time was after receiving my statement with closing date of XX/XX/2020. This call was made on XX/XX/2020 with a CSR named XXXX, who informed me she filed a complaint ( Reference # XXXX ) and that I should have a response from the appropriate Department. I heard/received nothing. The next time I called in was XX/XX/2020 after receiving my XX/XX/2020 statement and spoke to 3 different CSR with different levels of authority. Each one said the complaint had been filed and I should hear/receive an updated status from that Department. As previously stated, I heard/received nothing in response. The last time I called was in reference to a specific payment I made online after calling and speaking to one of your CSR and asking specifically about the category. I was told by your CSR named Mr. XXXX on XX/XX/2020 that a payment made online to my Cable Company ( XXXX ) would definitely qualify as being eligible. I made that payment on XX/XX/2020 online in the amount of {$230.00} and it posted to my account on XX/XX/2020. After waiting for the usual lag time of posting to reimbursement on a statement, I called on XX/XX/2020 and was told by your CSR named XXXX ( after speaking with his supervisor ) that the payment was registered as being done in store. This is ironic, because the XXXX store was CLOSED because of Covid-19 on that date. This is the same, excuse my expression, ridiculous answers I have received for all of the purchases/payments that have not been reimbursed properly.
Therefore, after many calls to your CSR team and non-response from your Complaint Department, I am officially filing this dispute of your handling of this matter. The charges I am asking for reimbursement, that I have not received are as follows : TRANS DATE DESCRIPTION $ AMOUNT REIMBURSEMENT AMOUNT XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX This amounts to a total of {$140.00} additional amount due from reimbursement of Online purchases made during the promotional period. I would ask that you acknowledge receipt of this claim and a determination of payment procedures. Thank you, in advance for your anticipated prompt attention to this matter.
XX/XX/2020 Sears Credit Complaint XXXX. XXXX XXXX XXXX XXXX, SD XXXX Re : Reimbursement of Promo Funds Attn : Billing Disputes Department To whom it may concern, I am writing this letter to refute your statement of We were not contacted in a timely manner on some of your documents posted to my account. As I mentioned in my letter dated XX/XX/2020, I called beginning XX/XX/2020 to dispute the reimbursement amounts for the promotion on my online purchases. At that time, I was told by your representative that a complaint had been filed ( reference # XXXX ) and that your department would be in touch with me. I continued to call EACH month when I received my statement, and was told that the complaint had been filed and you were continuing your investigation into the complaint, and that I would hear from you when you had made a decision. These calls are within the time guidelines of your terms to file a dispute and you are the the ones that DID NOT RESPOND IN A TIMELY MANNER. It was not until I wrote my letter that you FINALLY responded to my claims for reimbursement. Please review my Account Documents beginning XX/XX/2020 with NOTHING being documented from XX/XX/2020 until that time, contrary to what your representatives stated to me on each call. I wish to have my claims reinstated and have reimbursement for the promised Promotional Amounts credited to my account.
Also, for your records, I have NEVER disputed the amounts charged to my account from the vendor, as you stated in some of your documents. You are asking me to provide vendor contacts in an attempt to rectify the charges. This is an erroneous statement on your behalf, as the ONLY amounts I am disputing are YOUR reimbursement amounts for my ONLINE PURCHASES I made in accordance with the guidelines provided to me by your CSR associates on numerous occasions during the promotional purchase period from XX/XX/2020 through XX/XX/2020. Please correct your records and proceed to investigate the correct amounts of my disputes.
I am anticipating a prompt response to my inquiry and a satisfactory remedy prior to beginning the next actions if necessary.
|
| 04/15/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
On XX/XX/XXXX, I followed up with Macys XXXX Services regarding a re-occurring charge on my charge card statement labeled fees. I always assumed it pertained to my monthly interest as my credit limit is {$10000.00} but during the pandemic, XXXX I started looking much closer and noticed it stated something called XXXX XXXX ( XXXX XXXX XXXX, XXXX, GA XXXX ).
My first confirmed inquiry to Macy 's regarding XXXX that i documented was XX/XX/XXXX. I actually believe it was years ago though. I believe it peaked my interested now as ( 1 ) i found it absurd that i was paying well over $ 100p/mon in what i presumed was interest and ( 2 ) my balance wasn't decreasing despite paying {$250.00} at times p/mon or more.
When i called XXXX of XXXX the agent was unable to verify what the charge was for and gave me assumptions. She asked me to investigate on my own, which i eventually called them and ask about their services and billing and how I happened to started receiving their services. I was then told that it was initiated years ago but not how or where. Neither did they have access to enrollment documentation.
A transaction dispute was initiated with Macy 's at XXXX on XX/XX/XXXX after i became insistent that i couldn't continue to pay for something that no one could verify when and where i signed up for these services, neither produce documentation to that effect.
That same day i spoke with XXXX XXXX, XXXX with regard to my concerns. After not receiving any correspondence from Macy 's regarding my concerns for almost 2 months, I reached back out to Macy 's on XX/XX/XXXX and spoke with someone by the name of XXXX in Macy 's XXXX XXXX, whom stated that my inquiry against XXXX was closed soon after it was filed back in XX/XX/XXXX, as they can not do anything with regard to my concerns pertaining to this merchant and that i would have to get them to mitigate any concerns I have. I further stated to him that i shouldn't have to do so, as i felt that they should explain how this merchant was getting my billing information since i had since change my card multiples times if they weren't providing them access. Bottom line is they weren't being upfront with how they were connected to XXXX. XXXX directed me again to follow-up with XXXX regarding my concerns.
To date i am only told that XXXX services were initiated XX/XX/XXXX but not how or where or even given any signatory documents stating i did so.
At XXXX, XX/XX/XXXX, I spoke with an agent by the name oXXXX XXXX at XXXX whom initiated cancellation of the services and stopping the billing via Confirmation # XXXX. She also stated that to date I have been billed {$3700.00} and that she would initiate a dispute to requisition return of these fees.
The following day, XX/XX/XXXX, I received a callback from my lawyers office of XXXX, XXXX and XXXX XXXX per Intake # XXXX ), and was informed by XXXX that my best recourse would be to contact the Consumer Financial Protection Board, Dept of Financial Services and the Attorney General. She stated there was a judgment against Citibank, the XXXX XXXX XXXX Macy 's XXXX XXXX regarding XXXX and there erroneous practices. I then decided to wait to see what XXXX would do.
At about XXXX today, XX/XX/XXXX, I received an email notification from Macy 's stating i had a letter from them. When i downloaded the letter from there site it stated " Thank you for your recent inquiry regarding you enrollment in XXXX XXXX Our records indicate that this protection was purchased on XX/XX/XXXX.
Pursuant to your recent request, your enrollment in the optional protection program called XXXX XXXX has been cancelled.
Because your account was protected by the program benefits any previously billed fees are valid and non-refundable. '' After receiving this, I immediately called back XXXX, XXXX. XXXX XXXX at XXXX, XX/XX/XXXX, baffled because since contacting Macy 's about this merchant last year, most recently XX/XX/XXXX, I have received no viable assistance, now they are corresponding with me regarding said merchant and further stating/ confirming that the service was cancelled and they won't be refunding me after they told me that they can not assist me with anything regarding this merchant. I happed upon the same agent by the name of XXXX of XXXX, whom listened to my concerns and stated she would put in for a callback for someone to reach out to me regarding my concerns as i had missed their phone call XXXX XXXX XXXX on XX/XX/XXXX, of which i did acknowledge i missed the call but received a voice message. I also alerted her that i have already spoken to an attorney and that i am very much aware of the investigation and existing judgment against XXXX regarding said services.
I am baffled and confused. As a consumer I am primarily concerned for fraud not realizing those that should be assisting you in combating against be taken advantage of are the ones doing so. To this point, neither Macy 's XXXX XXXX or XXXX realizes that i was able to unearth the original documentation from when i signed up for my Macy 's Credit Card and my lawyer was able to verify with me that i did not nor does it state that i signed up for these services via the store clerk whom completed the application on my behalf in the store.
|
| 03/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
There have been concerns raised and not resolved against Citi and their treatment of a 15 year XXXX customer. Citi has failed to comply with federal guidelines in communicating changes made to this account, and continues to violate protections of the Americans with Disabilities Act, Fair Debt Collections Practices Act, Fair Lending Laws, Equal Credit Opportunity Act, Truth in Lending Laws, as well as engaging in multiple Unfair, Deceptive, or Abusive Acts or Practices.
Citi stated on XX/XX/XXXX, I would receive a response resolution within 15 calendar days and today is XX/XX/XXXX, no such response has been provided. Citi has retaliated against me by failing to respond and address these concerns in a timely fashion within legal president and has also engaged in retaliatory behavior increasing yet again the interest rate from 9.24 % to 9.49 %.
I was out of work on medical FMLA leave from XX/XX/XXXX, until XX/XX/XXXX, recuperating from health impacts of my XXXX and Citi knowingly engaged in deceitful and harmful acts as defined by UDAPP and continues to violate legal protections under Federal Truth in Lending Laws by failing to properly disclose and accommodate. These duplicitous acts were carried out by Citi burrying changes to Terms and Agreements unbeknownst within my account billing statements.
I was specifically informed by multiple employees from Citi that I was mailed under separate cover in XX/XX/XXXX, a communication of a change in the Credit Card Terms and Finance Charges ; this was false. Multiple employees stated that I was mailed this document and I have yet to receive any written correspondence regarding that manner or any resolution.
I received a phone call on XX/XX/XXXX, from Citi Executive Response Unit who more or less told me that the 4.25 % APR that I had was too good of a deal, that all creditors are increasing interest rate and that the new rate of 9.24 % was good and therefore I should be happy as any new customer opening the same account today could only qualify for a rate as low as 13.24 %. This person was rude, unprofessional, and spoke over me the entire conversation they did not address all of my concerns and hung up on me and dismissed my allegations of Discrimination.
I was assured by multiple employees of Citi I would be sent that missing communication that did not arrive in XX/XX/XXXX, explaining that effective XX/XX/XXXX, all charges made after XX/XX/XXXX, would be subject to a more than doubled interest rate from 4.25 % to 9.24 %. I was also assured I would be sent all future communications by mail and have yet to receive any mailed correspondence addressing or resolving these issues.
I was not made aware of the changes made to my account until it was past the Opt Out date of XXXX, XXXX, XXXX.
I was advised I need to call in each month and beg for them to lower my interest rate as they can not do anything for me.
I questioned the information being fed to me as I could not corroborate this with any News or Social Media mentions.
I have stated to Citi thru multiple natural disasters impacting my area, and experiencing and surviving XXXX I never once have asked for assistance.
Multiple employees stated for me to pay down the balance of charges posted after XX/XX/XXXX, that are subject to the increased rate, any amount over the minimum payment due would then be applied to the higher interest balance.
Per my calculations the sum of that balance totals {$2100.00}.
I have informed Citi as per FDCPA Regulations they are harassing me inundating my email every SINGLE day with daily payment reminder alerts two weeks leading up to my payment due date, when I pay early, extra and on time every month and have never been late or delinquent.
I had additional concerns with an XX/XX/XXXX, charge for {$5.00} when I visited a flea market and paid with my card for a painting and was arbitrarily charged a 25.24 % cash advance interest rate when on the same day I applied a {$6.00} payment to my account, as well as paying {$18.00} above the minimum payment {$180.00} due XX/XX/XXXX.
My minimum payment due for XX/XX/XXXX, was {$200.00} and I paid {$500.00}, which is {$290.00} over. The minimum payment due for XX/XX/XXXX, was {$200.00} and I paid {$720.00}, which is {$510.00} over. The balance first reported subject to 9.24 % after XX/XX/XXXX, billing statement showed {$810.00}, on my XX/XX/XXXX, billing statement it showed {$2100.00}, and on my XX/XX/XXXX, billing statement, duped into thinking I was making progress showed {$2200.00}. I have not made any charges to the account after XX/XX/XXXX.
How has the interest increased yet again showing this {$97.00} over the calculated amount of charges which occurred XX/XX/XXXX, to XX/XX/XXXX.
Further, with overpayments of {$290.00} and {$510.00} totaling {$810.00} it was my belief the balance subject to the 9.24 % APR would be in the range of {$1200.00}.
Citi continues to violate the law, my rights and business ethics, there is no transparency in the way they treat their customers, initiate and communicate changes and account maintenance. These issues need to be corrected and the numbers recalculated, or refunded of the excessive interest they continue to incorrectly assess.
|
| 01/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Concerning a fraudulent charge on my mastercard, with Citicards. On my XX/XX/XXXX billing statement, a charge of {$410.00} appeared that I did not authorize. The transaction date was XX/XX/XXXX, and post date was XX/XX/XXXX by a company listed on the bill as XXXX XXXX XXXX inXX/XX/XXXX XXXX. I have never heard of this company. I first went online searching for this company, and their phone number to try and resolve this. There was no company with this name online, but a similar name came up : XXXX XXXX XXXX in XXXX, Colorado. The phone number for this company is XXXX. I attempted to call this number several times on XX/XX/XXXX, but no one ever answered the phone, and there was no voice mail prompt.
I then called Citicards, and filed a dispute on XX/XX/XXXX. I told them that I did not lose my credit card, but I also did not use it to authorize this charge, and I did not receive any goods or services from this company. Citicards rep said they would investigate, and they closed my account and sent me a new credit card with a different account number.
I received a letter from Citicards dated XX/XX/XXXX, which stated my dispute was closed and the charge of {$410.00} will remain on my account because I didn't lose the card, and the card 's EMV chip was used to make the disputed transaction. I called Citicards on XX/XX/XXXX and spoke with XXXX in the investigative center, asking for a new investigation. I told her that the only place I used a chip reader on XX/XX/XXXX was at a hotel in XXXX, Colorado called the XXXX XXXX and gave her the phone number for them - XXXX. I told her that I already called the XXXX XXXX and asked their manager if my card was charged on that date and the money sent to a XXXX XXXX XXXX company. The manager researched the matter, and said that my card was not charged any money. The hotel room had been prepaid by my friend, XXXX XXXX, and my credit card was just put on file with XXXX XXXX in case of incidentals ; the manager assured me I was not charged for any incidentals, and he further stated that the Lodge does not have any dealings with a XXXX XXXX XXXX company. I was told by Citicards that I would need to submit something in writing in order to re-open a closed dispute. She said to address the letter to Mr. XXXX XXXX, who was the investigator. I wrote and mailed a letter to him on XX/XX/XXXX, explaining everything, and gave all phone numbers and information.
I received another letter from Citicards dated XX/XX/XXXX, saying they confirmed that I participated in the transaction, the charge will remain on my account, and the dispute is closed. I called Citicards again on XX/XX/XXXX, and was placed on hold for one hour and 5 minutes, and had to hang up. I also tried calling the XXXX XXXX XXXX company again on XX/XX/XXXX, and finally someone named XXXX answered the phone. I told him about the charge, and XXXX said that he has received calls from many different people who reported the same issue to him. These people also said they had fraudulent charges by a company called XXXX XXXX XXXX. XXXX confirmed that his company was never called XXXX XXXX XXXX, and he believes someone used his company 's name and changed the name slightly, to somehow make fraudulent credit card charges on multiple people. He said he would be willing to talk with a Citicard investigator and confirm this information with Citicards.
I was able to get through with Citicards on the phone XX/XX/XXXX and spoke with XXXX. I told XXXX the whole story from the beginning, and gave her the new information about the VIP company, along with phone number, and asked if she would have the investigator call XXXX to confirm these multiple counts of fraud. I told XXXX that XXXX requested that they call Monday through Friday, from XXXX XX/XX/XXXX XXXX XXXX, as that is when he has business hours. I also requested that the investigator call me personally so that I could answer any questions. An investigator did call me several days later. I re-iterated what I had told XXXX, and I told him that the only possible explanation I could think of, was that perhaps an unscrupulous person was nearby when I checked in at the XXXX XXXX and perhaps they were able to steal my information from the chip reader. The investigator asked if I had filed a police report. I said that I had not, because I did not even know about that charge until I received the billing statement later in XXXX. I said I would be willing to drive back up to XXXX, Colorado and file a police report, if that's what it would take to resolve this. He ignored my statement, and started asking other questions about whether I had lost the card, which I had not. I told him that I have been a faithful customer of Citicards for approximately 20 years, and have not filed claims before, and I am telling the truth that I did not authorize this charge. He seemed like he was calling from somewhere outside the US, and may have just been reading questions from a form, and seemed completely disinterested in any explanations I had to offer.
I received a letter from Citicards dated XX/XX/XXXX, saying exactly the same thing the XX/XX/XXXX letter said. After three attempts to resolve this, I have not contacted them again. I am writing to you.
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| 07/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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I received an email letter from Citibank/Citicards on XX/XX/XXXX indicating my credit limit is reduced from {$12000.00} to {$4000.00}. The letter said two reasons were because my credit utilization is too high, and my payments were too low.
I immediately called customer service to explain my financial situation and ask for explanation about why they suddenly reduced my limit by 67 %. If it went from XXXX to XXXX I could better understand. My current balance at the time they cut my limit was approximately {$3400.00} ( 28 % of credit limit ). I've been working hard to get the balance below 30 % of limit to help restore my credit score. I've never missed a payment. I've never been late. I've never been close to the credit limit. I did have a balance around $ XXXX earlier this year, but paid over $ XXXX in the last 2 billing cycles to get balance to where it is today. So the " payments too low '' comment doesn't make sense to me. The couple months before that I did make the minimum payments required, but didn't pay extra because of all the uncertainty with the pandemic and economic outlook. Financial advisors were suggesting to keep as much cash on hand as possible and there was a lot of unknowns throughout the world. I can't imagine I'm the only person who paid a lower than normal payment on my credit cards in the earlier part of the year. It's also pretty typical for me to have higher credit card balances every year, year after year, in the beginning of the calendar year. I'm a real estate agent and the slow season for my business is usually XXXX, then XXXX is my busy season and my credit history will show a pattern of much higher payments on my debt during summer and fall months. So the combination of my income fluctuation based on season, and the added concerns about pandemic situation, are what caused me to make smaller payments a few months back. I've tried to work very hard at being responsible with my credit and credit score because I learned the hard way many years ago and it took me a long time to rebuild credit and a good score. I also just paid off my car in XXXX so that got rid of an $ XXXX/month payment which I thought would only help my credit score and credit situation. I've already paid over $ XXXX towards credit balances due in XXXX. I paid {$8800.00} towards credit balances in XXXX. I paid {$16000.00} towards credit balances in XXXX. I did, however, only pay about $ XXXX {$3000.00} towards balances in the months of XXXX, XXXX, and XXXX. That was due to the reasons I mentioned, and is not atypical for me in any given year. I've been proud of myself for not requesting any government assistance, credit assistance, mortgage forbearance, or any other financial help. I have a plan to pay balances down, I've been working hard to improve my situation, and I feel treated very unfairly by Citibank and their customer service. The one person I talked to when I called today said they couldn't give any explanation beyond what was in the letter, and told me there was nobody else I could talk to about changing anything, and that their decision was final. I tried to explain the above regarding my situation, etc. And I explained it wasn't anything out of the ordinary for me. I had some high credit balances when they issued me this card in XXXX with a {$12000.00} limit and it wasn't an issue for Citibank at that time. My current balance of {$3400.00} was using 28 % of my available credit, which I've been working towards getting all my balances below the 30 % utilization rate. Now with the drastically decreased limit to {$4000.00} - this account will report that I'm now using 85 % of my available credit. It seems very unfair considering I have zero derogatory credit history, and zero late payments across the board on all accounts in my credit report. I understand my balances are high, and that's why I've been working hard to pay down and repair. I'm in the process of trying to secure a line of credit against my homestead in order to completely payoff all credit cards so I can stop paying 20 % + per month on interest, and consolidate my debt with a much lower interest rate. I'm trying to be a responsible consumer, trying to improve my situation, and this really hurts, and the decreased credit limit amount seems very extreme - especially considering I was only using 28 % of credit available with no missed or late payments. In order to qualify for the line of credit to payoff the rest of my cards I needed to boost my score, and that's what I've been working to do. Citibank 's sudden decrease brings me backwards. If Citi would agree to restore my credit limit to the original {$12000.00} then I would gladly pay off my Citi account in full today and never use the card again for the rest of my life. I'm already planning to never use a Citibank financial product again, and would love to payoff and close this account, but I know a closed account will also negatively impact my overall credit score. I feel my credit is being victimized and sabotaged by Citibank, and I'm not sure what I can do to advocate on my behalf because I'm just a " little '' consumer. I was advised by someone to start here, so that's what I'm doing. Thank you in advance for any help you can offer.
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| 06/22/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I purchased a kitchen renovation using my Home Depot credit card through Citibank. The total charged to Citibank was {$7300.00}. XXXX XXXX told me that I wouldn't be able to move forth with the project unless I pay them 100 % upfront. I never pay contractors like this but I agreed. After I paid them, I waited a long period of time for a contractor to become available to reface my cabinets and install a blind corner optimizer and pull out basket. Around XX/XX/XXXX, the cabinets and backsplash was installed. I immediately started having problems with the kitchen project. The blind corner optimizer was not functional in my cabinet and could not be used as described. There was not enough space for the organizer to pull out and clear to the right so I could utilize the other side of the tray. One of the contractor kept moving the stove and wanted to mess with my gas line to keep it. I did not agree, I just wanted a refund. The pull out basket was not as described. It was made of inferior quality where the organizer was flimsy and did not look like it could hold the weight as described in the advertisement. When I contacted XXXX, my sales consultant, on getting a refund and resolving other issues. She kept dragging out the refund process telling me that I needed to wait on the contractor while the contractor was telling me that they couldn't do anything without XXXX 's authorization. I was contacted by XXXX the install manager that also gave me several issues with the return. I waited for months to resolve things with XXXX XXXX to no avail. I even waited on the contractor to call me that XXXX said would but didn't. Finally, I contacted Citibank on XX/XX/XXXX, to try to get a chargeback. Citibank first told me that I won the case but they refused to send me anything in writing or credit my account. I called almost everyday for anything in writing but they refused. Then when I saw the document in my portal, it said that they considered it resolved. They kept closing my case without doing a proper investigation. First, I requested that Citibank get an itemized statement from XXXX XXXX because they didn't want to provide me with anything telling me what I had purchased for the item and paid for the kitchen project. Citibank would just close the case and I had to call back and demand that they reopen it and hold XXXX XXXX accountable by producing a itemized statement. When XXXX XXXX found out I did a chargeback they finally contacted me telling me that they wanted to try to resolve it. The problem was they tried to cheat me out of my money. The install manager named XXXX told me he knew for a fact that I paid {$300.00} for the blind corner optimizer and {$150.00} for the pull out basket. He even produced his own statement that didn't look right. The SKU numbers didn't match. XXXX did the same thing telling me that she knows I paid {$400.00} for the optimizer and {$150.00} for the pull out basket. XXXX kept pressuring me to sign it even though, I felt I paid more for it seeing that the project came up to {$11000.00}. I kept asking Citibank to intervene but they wouldn't. Finally, I was provided with my in store order from other sources outside of the XXXX location. I found out that XXXX XXXX tried to cheat me out of my money. Once I got my order number, I was able to look up my own receipt and see that I paid {$920.00} for the XXXX optimizer and {$200.00} for the pull out basket. I was charged XXXX times the amount for XXXX item and I almost signed for it seeing that Citibank wouldn't move forward with the chargeback. I felt like some type of price gorging was going on. I told Citibank but they refused to do anything. Lastly, I requested repeatedly for Citibank to produce an itemized bill with a better detail breakdown. I found out I was overcharged {$1900.00} for a backsplash in installation costs alone without materials. Their contractors did shoddy work and tried to make me pay twice as much as average for the bad install. Also, I found out that XXXX XXXX charge me twice as much for the subway tiles. Citibank refused to do anything to help with the chargeback. XXXX XXXX wants me to sign a settlement agreement and release agreement to stop me from talking about the thousands of dollars that they cheated me out of. They also want me to believe that I am suppose to accept the shoddy work they did knowing I was overcharge. Citibank refused to do any chargebacks or any credits to my account. The only credit on my account was when I returned a bathroom item unrelated to the kitchen renovation. Please see attach picture of the shoddy work. XXXX XXXX only wants to refund me money for the optimizer and pull out basket. They don't want to give me any type of money for the bad backsplash install and other overage charges on my bill. They are refusing to allow me any measurements quotes to see because I felt that they measurements was wrong. I really feel that some type of fraud was going on with XXXX XXXX and I express this with Citibank but they did nothing. I have expressed all of this to Citibank and they have done absolutely nothing to protect me from XXXX XXXX and their unfair and deceptive practices. Citibank refuses to hold XXXX XXXX accountable.
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| 06/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Older American |
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My complaint involves Citibank and its process of handling disputed transactions. In the two disputes, Citibank does not make its decision based upon the correct issues, nor considers a good deal of relevant information which I provided, at Citibank 's own request. Following are details of my and Citibank 's actions since XX/XX/XXXX I disputed multiple transactions conducted with two merchants in XXXX, XXXX, during XXXX XXXX. After returning home, receiving the merchandise on or about XX/XX/XXXX, and continued communication until XXXX by phone and email with the merchant regarding return of merchandise, I realized the merchants acted dishonestly with me and conducted fraudulent sales. On or about XX/XX/XXXX, I disputed all credit card charges made with the two partnering merchants involved, XXXX XXXX XXXX and XXXX XXXX XXXX, both processing their transactions as XXXX XXXX XXXX XXXX XXXX. Of the seven credit card transactions involved, three were decided in my favor by XXXX ( {$23000.00} was refunded to me ), two were conceded to me by Citibank as I was told they mistakenly communicated to me decisions were made in my favor and so would honor their mistake ( {$5700.00} refunded to me ), and in the two remaining credit card transactions with Citibank ( {$9900.00} and {$5500.00} ), decisions were made in favor of the merchant. I have continued attempting to work with Citibank regarding these two disputes, my latest contact a XX/XX/XXXX, 37-minute phone conversation with XXXX XXXX of Citibank 's Executive Response Unit. Per Citibank 's latest letter dated XX/XX/XXXX, Citibank continues to find for the merchant based upon : 1 ) merchant 's provision of a signed transaction receipt and 2 ) the " Sorry, no refunds ; exchanges only within 30 days '' clause of the Sales Contract.
1 ) I do NOT dispute that I signed transaction receipts ; this is a non-issue. 2 ) As to the Sales Contract, the merchant himself breaches the contract. The very first clause of the Sales Contract states : " Seller agrees to provide certificate of origin for items purchased. '' Merchant NEVER provided these certificates to me, despite multiple requests that he do so. A simple solution would have been for the merchant to simply send them to me a second time ; merchant did not even offer to do this, no less do it. In a phone call made to me by the merchant in late XX/XX/XXXX, when he did not agree with me on return of merchandise, he said, " I am not going to talk with you anymore, '' and hung up on me. After that, the merchant ceased to reply to any of my emails, and did not return a phone call made to him by XXXX.
As to merchant 's guarantees of my ability to return merchandise, he adamantly told me MANY times it would be no problem. Merchant claimed to make frequent trips to the U.S. for shows and customers, and he could personally pick up merchandise if I did not wish to keep it. Merchant also claimed he had merchandise held in XXXX XXXX. In my fully comprehensive and cooperative attempts to return merchandise to the merchant, I offered to transport his merchandise myself, at my own expense, to his XXXX XXXX warehouse ( I live in XXXX, CA. To go to XXXX XXXX is a 400-mile drive for me. ) I asked the merchant multiple times on the phone for the address of his warehouse. He ignored the question ; would not answer it.
I have provided 30+ pages of documentation to Citibank , including 1 ) an appraisal ( paid for by me ) of one of the carpets involved in the transactions, which proves it is not at all what the merchant claimed = merchandise is not as expected, and 2 ) one response to Citibank 's request of additional information included Exhibits A-G, as proof of my claims as to facts of the case. Two exhibits clearly show the merchant engages in telling lies. Citibank requested additional information in support of my case, but then did not give it any consideration or weight in its decision. Then for what reason was it requested? When I send you copies of this information, it will be apparent that I spent HOURS compiling comprehensive and thorough additional information for Citibank.
Also, FYI, Citibank sent me a letter dated XX/XX/XXXX, stating my {$9900.00} dispute is open and in process. In both XXXX 's XX/XX/XXXX phone conversation and in her letter of XX/XX/XXXX, she states this letter was mistakenly sent to me. Clearly, something is amiss with Citibank 's dispute process. This is the third dispute where the same customer is mistakenly given incorrect dispute status information.
I do not include with this online complaint filing copies of all my documentation, as it involves so many pages ( 30+ ) : letters written by both Citibank and myself, documents of several types, invoices, appraisal, etc. If you can please provide me with an address to which I may send copies of all my supporting documents, so it may considered in dispute review, I will send them ASAP. I am more than happy to do so. All this documentation needs to be considered in the disputes, and given warranted attention. Citibank is already in possession of copies of all these documents. I am still working with the Turkish embassy regarding this merchant, too. What this merchant does must be put to a stop.
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| 10/21/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I believe Macys credit card ( DBA as CitiBank or Department Stores National Bank ) is in violation of the Fair Credit Reporting Act and the Consumer Protection Act ( Unfair, Deceptive, Deceptive or Abusive Acts - UDAAP ).
I had a Macys credit card. I stopped receiving the auto-statements delivered to my personal e-mail after XXXX XXXX. This did not strike me as odd because I thought I remembered having a small balance and paying the account off in XXXX XXXX.
I received a call from Macys at work XXXX XXXX, XXXX. I was told that I was four months behind. At first I thought, is this a phishing call? Someone trying to obtain my bank account information making me think I had a debt that I did not? This is how foreign of a concept it was to me because I pay my bills on time. The representative told me I was four months past due and that I had been accumulating a monthly fee of {$37.00} totaling {$140.00}. If I was four months past due surely someone would not have waited until now to contact me. They said {$80.00} bill had turned into {$230.00}. I told them I would call them back, since I did not know who they were.
I went back to my desk and looked up the XXXX credit phone card number and called them later. In fact, I had to call back several times due to my phone losing connection or I could not hear because of the construction around me. I even asked the representative to take my number and call me back in case we were disconnected. I was disconnected and they did not call back. I tried to have discussions with a couple of the representatives about the situation. I asked to speak to a manager. They said a manager would call me back in 24-48 hours ( they never did XXXX. This was not good enough for me, so I called and asked to speak to a manager. I was transferred to someone who did not have a manager title. I asked them to repeat their job title and provide job responsibilities. This is how I knew they were not a manager. This is very deceptive behavior. Basically, lets transfer her to someone and maybe she will think a peer is a manager.
I was getting nowhere explaining I did not receive the electronic statements, any paper statements or paper notifications, or any phone calls and felt all fees should be waived and I should not be reported to the credit bureau. I also explained to further complicate matters, I sold my home and bought another one during XXXX / XXXX XXXX. They did not waive all fees but agreed to waive two cycles.
Ironically, I dont understand how so many other companies found me. For instance, other credit card companies ( XXXX XXXX, XXXX XXXX plus other less sophisticated organizations like the boy scouts, my church, XXXX XXXX, etc. were able to find my address so quickly after my move without me even updating them. Surely, XXXX could have found me to or done a better job attempting to contact me by phone. After all, I took care of everything the same day they called me.
When I asked if I was reported to the credit bureau, they told me they may report me and that I would have to contact the credit bureau for credit advice. I am sorry, what? I was not asking for credit advice I just wanted to know what they reported ( Nothing, 30 days past due, 60 days past due? ). The reporting to the credit bureau is my biggest concern. I pay my bills on time and am concerned about the detriment to my credit because of this incident. I am never 30 days late on a bill.
I got a statement ( finally ) shortly after my conversation with them around the first week of XXXX. Of course, it was inaccurate ( and had the full of amount of what I owed before I made the payment to them and all of four of the late fees ). Prior to this statement, one representative did inform me to be on the lookout for residual interest. I went on-line to pay the account ( XXXX ) and it said I owed nothing. What? I was told I would owe something. I called today XXXX XXXX XXXX to double check the validity of the on-line statement. I was told I owed close to {$40.00}. How could the statement be wrong? Their system will not allow me to look at any historical statements. Again, what? The representative said it was for a late fee. Turns out they did not remove two late fees like I was promised, just one of them. This could have resulted in me getting another late fee ( UDAAP ). The representative that answered tonight was easy to work with and he removed it. He told me to call back tomorrow though to double check ( really, I have to call back to make sure they did their job, again? ).
I believe their lack of controls at their company most likely violates internal policies and procedures plus violates the Fair Credit Reporting Act. I also believe they may be purposefully letting accounts go this far past due with attempting to collect exorbitant fees. Thus violating Fair Credit Reporting Act and the Consumer Protection Act ( Unfair, Deceptive, Deceptive or Abusive Acts ( UDAAP ).
I would like to be refunded for all fees and have negative impacts to my credit removed. I also hope their business practices are reviewed externally and by their internal audit, legal and compliance teams. Thank you for reviewing this matter with them.
XXXX, XXXX XXXX XXXX XXXXXXXXXXXX
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| 04/08/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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Opened Citibank Savings Account online in late XXXX XXXX. Account has ALWAYS been managed online. No ATM/Debit card was ever issued to the XXXX signatories on the account to their knowledge. No ATM/Debit card has ever been used with this account. There has NEVER been a problem managing this account online until Thursday, XX/XX/XXXX.
XX/XX/XXXX tried to login into account using XXXX and XXXX. Know both were correct as they are kept in a XXXX lock and only one person manages this account. Checked the XXXX and PW in the XXXX lockbox against backup, written copy. Both were the same. Tried to reset PW online. Required an ATM/Debit card number and PIN. Account did not have a card or PIN. Only way to reset the account allowed. Called Customer Service. After lengthy vetting, representative explained that in the last month Citibank was requiring everyone to reset their PW. This was not explained on the website when the login failed. Representative explained he could not reset PW and asked me to hold while he went to find out what to do. After XXXX min and XXXX seconds on hold, I hung up and called Customer Service again.
Second representative completed same lengthy vetting and also explained that he could not reset PW BUT he did say he could issue an ATM/Debit card and have it overnight expressed shipped to my home. He explained with the card I could setup a PIN online and then reset the account. Went through another lengthy vetting to receive ATM/Debit card. Now completely unable to access my account and, thus, my funds since there is NO Citibank branch in North Carolina which signatories reside.
ATM/Debit card arrived Friday, XX/XX/XXXX. Tried to setup ATM/Debit card PIN online as explained by representative on Thursday, XX/XX/XXXX. Online system did NOT recognize ATM/Debit card number. Tried to setup ATM/Debit card PIN via phone system. Phone system did NOT recognize ATM/Debit card number. Called Customer Service. Took almost XXXX minutes to be connected to a Customer Service agent because phone tree wants to force all PIN issues to phone system.
Explained issue to Customer Service representative who told me that I could not setup the PIN because one had not been issued originally. After another lengthy vetting, the representative was able to put me in the system to setup a PIN. PIN setup was successful and I was returned to the representative. She confirmed that the ATM/Debit card and PIN were now active and attached to the account. She said I should be able to now reset my account PW. Representative stayed on phone with me while trying to reset PW. Was able to enter the ATM/Debit card number and then was asked for the last XXXX digits of signatory SSN or account number. Tried signatory # XXXX 's SSN... FAILED. Tried signatory # XXXX 's SSN ... .FAILED. Tried account number... FAILED. Representative then wanted to know what browser was being used. Answer : XXXX XXXX latest version. That should not cause a problem according to the representative. Representative wanted to try SSNs and account number again. All failed again and now locked me out of the PW reset system. Representative claimed she could not see that I had been locked out and, thus, could not reset system. She could not explain problem, so she said she had to transfer me to XXXX XXXX. STILL CAN NOT ACCESS MY FUNDS.
Waited on hold for almost XXXX minutes for a XXXX XXXX Representative. Went through the same lengthy vetting. Was told that I already had an ATM/Debit card and I had to use that one to reset the account. Explained again that no such card exists and had never existed for the signatories. Told the XXXX XXXX representative this was why Customer Service had overnight, express shipped an ATM/Debit card to us the day before. XXXX XXXX representative said that the other signatory had the ATM/Debit card. Didn't ask if the other signatory had the card; told me they had the card. That person was there and told them no card had ever existed and was NOT in our possession EVER. Explained again that we have a brand new ATM/Debit card with a new PIN for the account sent to use by Customer Service just the day before that we had received this morning. We needed to use this NEW card to reset our savings account PW. Representative then told asked the same vetting questions as before and then informed me that 1 ) my name was not on account, 2 ) the other signatory 's name was not on account, and 3 ) the account assigned to that new ATM/Debit card number was not our account. All this was baffling considering the vetting process we had just completed when the tech services rep started the call AND the vetting with the earlier Customer Service Rep. The tech service representative then told us we would have to go to a branch to solve the issue. There is NO BRANCH IN NORTH CAROLINA. I demanded to speak to the technical representative 's XXXX and was informed he was the XXXX and there was no one else to talk to and HE HUNG UP ON ME. STILL HAVE NO ACCESS TO MY FUNDS.
Obviously, the account is mine given that every day between XXXX pm and XXXX pm XXXX, I receive a text message telling me the balance in that very account and I have passed vetting for this account XXXX different times.
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| 08/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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On XX/XX/XXXX a purchase was made at Best Buy, in the amount of {$2500.00} NO INT W/PYMTS FOR XXXX XXXX. I as that the consumer had made " Auto Payments '' on this account, since it's inception and that each month, a payment method that made payments without requiring action by the consumer. The CitiCorp minimum payments were taken from the consumer 's bank account each month per the agreement of minimum payments due to avoid interest penalty or additional fees. The purpose of Auto Payments, according to CitiCorp, was so that the consumer would not miss a required payment so that the consumer to not be assessed any late fees or penalty for not making a payment on time, per multiple CitiCorp customer service agents.
It should be noted that each month, the consumer received a text and email of the minimum payment due and that payment being withdrawn from the account. Additionally, the consumer receives between 10 and 25 other emails and texts messages to promote other CitiCorp or BestBuy offers or sales not related to the account in this correspondence. These emails are voluminous and by opting out, or any attempt to block or filter, could prevent bonafide payment notices to the consumer. As related to payments, no interaction is necessary from the consumer for timely interest fee or payments each month with the Auto Payment feature.
Additionally, the Auto Payment feature screen has only 4 options. On that Auto Payment screen, using the CitiCorp/Best Buy website as an example as attached as an exhibit, the choices for payment options, to date, are as follows : 1. Minimum Payment Due 2. Statement Balance in Full 3. Minimum Statement Due + Extra Amount 4. Extra Amount.
There is no option for a selection for " Interest Saving Balance '' payment.
On XX/XX/XXXX, the Federal Reserve rules on Bank Card protection for consumers stated, in part, as follows : Payments directed to highest interest balances first.
If you made a purchase under a deferred interest plan ( for example, no interest if paid in full by XXXX, XXXX ), the credit card company may let you choose to apply extra amounts to the deferred interest balance before other balances.
On XX/XX/XXXX the account with a {$2200.00} balance above was charged an additional {$1800.00} in deferred interest for the promotional payment not being Auto Paid by that due date. This increased the new balance to {$4000.00}, which is a 80.01 % increase to the account balance or 45.19 % of the entire balance increase. Additionally, an additional {$540.00} was added to that same balance by the XX/XX/XXXX statement, before the consumer discovered that the XX/XX/XXXX payment was not Auto Paid. That brought the total amount due as a result of the Auto Payment not being made to {$4600.00} on a prior balance of only {$2200.00}, as 200 % increase of the original promotional balance.
An additional {$450.00} payment would have paid off the entire {$2200.00} in XX/XX/XXXX had that Auto Payment included the entire Promotional Balance, but not that amount due is double.
The entire payment subject to interest has been paid by this consumer upon the rejection of relief from CitiCorp for this bulk interest application.
I want to site a few issues lacking with these payment choices, which have likely been omitted by design, to create additional interest costs to all consumers. There are no selections as to 1. Interest Savings Balance or 2. Ending Promotion Due Balance.
On XX/XX/XXXX I had a XXXX minute phone call with CitiCorp customer service to address this concern. I was routed to XXXX service reps and escalated to XXXX separate managers.
The area of concern was that It was my understanding that because the Auto Payment was to save the consumer costs, that the Promotional Balance should have been withdrawn from my account to reduce that interest expense.
The synopsis of the conversations had with CitiCorp was that XXXX. If I called within a few months of the ended promotional period, that they would have reversed the interest charges as a courtesy, as many customers have the same issue. XXXX. That Citicorp could not confirm that any text or emails were sent related to the ending promotional period or that it ended. XXXX. That CitiCorp was not required to notify the consumer that there was an application of a large penalty or interest charge being added to cardholder. XXXX. That is was not CitiCorps responsibility to advise the cardholder that there was action necessary to remedy the large penalty pending, at the sole benefit of CitiCorp as other Credit Providers do. XXXX. That are no way to make a singular end of promotion payment. XXXX. That CitiCorp does not have to give any notices to a cardholder regarding payments.
It is with my aforesaid statement, that I feel this is an actionable issue. It is my intention to attempt to resolve this with CitiCorp and Best Buy. My last inquiry with CitiCorp ended with a response that they do not feel I have been discriminated against, which was not the point of inquiry, and there was no further discussion.
The above statement is in-part for purpose of submitting this claim, and further discussion shall include additional information, action and rules.
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| 02/25/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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ref. CitiBank Equitylink loan XXXX my letter to CFPB CFPB complaint XXXX I am formally requesting that the CFPB reopen my case, since Citis recitation of facts in their response is basically untrue.I did not apply for a $ XXXX loan, which is at the top of Citis response, but for $ XXXX. Second of all they loped about {$22000.00} off of my yearly income ( see my last paragraph ) .I realize that more than the 60 days you allow has gone by, but the urgency of securing my finances precluded meeting that deadline.
Through a chain of circumstances, I paid cash to purchase my new home, ( XXXX XXXX XXXX, XXXX XXXX, Fl XXXX ), on XX/XX/XXXX. Since the IRS gives taxpayers 60 days to rollover IRA and 401K transfers, I immediately started my quest for a mortgage or an equity link to replenish my interest bearing - and income producing assets. On XX/XX/XXXX or XX/XX/XXXX I met with the branch manager of the Citibank XXXX XXXX XXXX, XXXX XXXX FL branch bank to discuss terms and conditions. After checking he assured me, and committed to a 30 to 40 day turnaround for a $ XXXX equity link based on my 780+ credit rating ( Attachment iii ). Shortly afterwards I was asked to supply copies of my XXXX & XXXX Tax returns which I did. Then, about a week later I was given a filled in form XXXX ( note to IRS asking for copies of tax returns for XX/XX/XXXX and XX/XX/XXXX to be turned over to Citibank ), which I signed at the bank. Over a month later ( XX/XX/XXXX ) the loan processor called me directly and told me that the form had been filled out improperly, switching my current and former addresses, and the IRS had said ( correctly ) that there was no record of my return in FL for XX/XX/XXXX & XX/XX/XXXX. The processors had been calling the branch asking them to get a corrected, signed form XXXX, but the branch never contacted me about the request in spite of almost daily phone calls from me asking the cause of the delay. I put the delay down in my mind as due to incompetence at the local branch, but now, in hindsite, I realize it was part of a pattern.
Meanwhile, I'd gone through 5 processors, several underwriters, several equity loan department managers and countless assurances that I'll be called back, but ( other than on 1 call in XX/XX/XXXX by the latest new processor ), I've never been called back. To add insult to injury, I've been repeatedly asked to supply the same documentation that's already in Citi 's hands. As an example, I was notified by Citi that my XXXX XXXX XXXX checking account showed roughly $ 300k of deposits in XX/XX/XXXX ... .with the dates and amounts listed ( obtained from my checking account statement ). I was asked to supply the source of each of these deposits, and statements from those sources which showed the assets before and after withdrawal ... .I sent the requested material but pointed out that a ) the checking account statement line entry from which Citi got the $ amount also listed the source ... so why did they need the source documents?, and b ) each and every source before and after statement had been already supplied to Citi at least twice previously ( as well as a listing of the dates when the statements had been supplied ) ... no response to that query has ever been given, as well.
In Citis response letter to both the CFPB and I, Citi claims that I was slow or deliquent in replying to their request for documents. But in actual fact they asked for the same documents repeatedly .I complained about the redundant requests, but complied. Since I kept records of each request and each submission I can prove the validity of my compliance, but Citi does not identify what requests of theirs were not supplied.in your reinvestigation, ask Citi to identify the missing/late documents, Further, I was asked to provide a copy of the XXXX XXXX XXXX decommit letter ... .on 4 separate occasions. I had responded that XXXX had requested a thirty day extension on XX/XX/XXXX, three days before the scheduled closing, which the seller refused. There was no decommit letter, other than the one I sent my stock brokerage firm ( who had arranged the loan ). I supplied Citi with that email letter to XXXX at least twice, once via my personal banker at the local branch, and once to an earlier processor, XXXX XXXX.
In their reply to my original letter directly to Citi, and in response to your inquiry, Citi incorrectly identified IBMs reimbursement of medical insurance coverage ( {$4000.00} ) as medical expense coverage, and said since it didnt show in my XXXX returns, it couldnt be counted as income. Fair enough, but Citi also claimed that the {$15000.00} of income from my Iras,401Ks and stock portfolio shown on my XXXX no longer existed and so couldnt be counted, in spite of the fact that the entire purpose of the loan was to reestablish those accounts. Their arguments are thus mostly sophistry, particularly since I suggested to Citi that I had no reason to replentish the IRAs and 401Ks at the original institutions and would be happy to switch to Citi.
The most satisfying resolution to my complaint would be a $ XXXX loan at the rate prevailing in XX/XX/XXXX, and the minimum resolution would be Citis responsibility for any IRS penalties.
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| 08/23/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I was out of XXXX, FL on XXXX XXXX XX/XX/2023. On XX/XX/2023, around XXXX I received a notification alert on my cell phone that said that a {$240.00} charge was made from my account at a XXXX XXXX XXXX XXXX. I immediately logged into my bank account to verify the truth behind it and it was true. I immediately contacted my bank from the car due to the fact that I was on my way back to XXXX, FL from XXXX FL. I advised the representative that there was a fraud on my account and that I knew it was not me because I was not even in XXXX at the time of the use. I had my debit card on me and always do and my bank transaction will reflect that I had just used the card earlier in the day in XXXX FL. On XX/XX/2023, I contacted the bank again to follow up on the status of the fraud and was advised that nothing new had been done and at that time it would take up to 10 business days for a credit to be issued to my account for these funds. Needless to say, I was upset because here I was the victim in this situation and my own banking institution is treating me like I am a criminal. I called back again on Tuesday and was advised that there still was no update to the fraud and at that point, I contacted my local police department ( JSO ) to file a police report in hopes that it would speed up the process of returning these funds to my account. The police officer came to my home to gather a statement from me and I was advised at that time that the card had been used relatively close to my home which leads me to assume that this person got my information prior to me even leaving for XXXX on XX/XX/2023. The police officer went to XXXX and reviewed the camera footage of the incident in question and came back to my home to show me the picture of the woman using a card at a self check out register. I still had the physical card in my possession and I was advised that criminals are using skimmers to obtain bank information to clone debit cards and make them accessible for them to use. The officer said the woman parked in the further parking area of the parking lot and was unable to obtain the tag information for the woman who made the purchase. I contacted CitiBank immediately and provided them with the case number that the officer provided me and then I let it rest for the week in hopes that today, Monday, XX/XX/2023, there would be a resolution. I contacted the bank today since I did not see the funds back in my account and was advised that my case had been closed and denied due to the debit card being in my possession at the time of the fraud. This is completely ridiculous when I have a police report of the fact that it was another woman who used a cloned card to make this fraudulent purchase. I have now had to dispute this case again today with an updated case number and now will have to wait up to 10 additional business days in hopes that these funds are returned to me. If these funds are not returned to my bank account, I have already obtained legal counsel and will move forward with litigation to rectify this situation. It is ridiculous that there is camera footage and a police report that states this was in fact not myself who made this purchase and proof that I was not even in XXXX Fl and the card was used in XXXX FL just earlier that day which is over 3 hours away from XXXX FL. I am completely distraught with how the bank is handling the situation and I will never recommend this bank to anybody. These funds need to be refunded back to me and legal repercussions should take place for the woman who fraudulently cloned my card and used it.I have provided police documentation and XXXX has agreed that will release the camera footage of the transaction made. How can this still be denied when the police report states the woman had a different hair color than myself? How can this still be denied when your records should show that MY debit card was used just earlier that day IN A DIFFERENT CITY that is HOURS away from this location?? The response I received was not clear as to what is going on and nobody is making the proper attempts to resolve this issue. I really do not want to pay the money for an attorney. I have spoken with my local news stations and will be completing an interview shortly because I am not the only one who has had this issue with CitiBank before!! That tells you that your 'fraud department ' is not doing their job. I will be emailing the CEO XXXX if I need to on top of the interview to get this message spread that I have been treated unfair and your company is using deceptive practices because NOBODY states they have contacted the local police department to obtain the CLEAR INFORMATION on the fact that I filed a police report and nobody has done any due diligence to handle this matter. I was in another city, I filed a police report, and I have complained time and time again. What other proof do you need?!?! PLEASE TELL ME WHAT PROOF YOU NEED SO THAT I CAN DO YOUR JOB AT INVESTIGATING THIS MATTER TO GET THIS RESOLVED. I NEED MY {$240.00} AND I NEED IT NOW!! THIS HAS BEEN A MONTH OF JUST STRESS AND EMOTIONAL STRESS. I will filing all of this into my civil complaint against CitiBank to make sure NOBODY goes through this like I am.
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| 02/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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This is the timeline of the events : 1. XX/XX/XXXX ; XXXX XXXX., charge of {$86.00} with my XXXX XXXX at a Restaurant XXXX XXXX XXXX, Washington D.C.
2. My cycle ends day 4 of every month. Upon receiving my monthly statement in XXXX, I noticed that this charge changed to exactly twice the amount : {$170.00}. I disputed the amount online.
3. On XX/XX/XXXX I was given a PERMANENT credit for {$86.00}. Citi case # XXXX.
3. On XX/XX/XXXX, I received in the regular mail a letter from Citi, Dispute Department, signed by XXXX XXXX, Service Specialist, Phone XXXX, email : XXXX asking for supporting information of my dispute, and saying : " ... if we don't hear from you by XX/XX/XXXX ( 2 days upon receiving this letter ), we'll investigate with the information we have available, and the conditional credit may be reversed ''.
4. Same date ( this was in the evening after I got home from my office ) I called customer services, explained the situation and expressed surprise for the letter and time frame given to answer the letter and provide supporting documents, considering that I already received an email confirming the permanent resolution of the dispute, and the information online, in the dispute center, indicated that the dispute has been permanently resolved. The customer service person agrees with me, that he was also looking at the same information on his screen. Nevertheless, he transferred my call to the dispute center.
5. XXXX XXXX was not available, but the person who answered the phone said that it was strange that I got an email, that they ONLY inform about dispute resolution by regular mail. She dismissed my observation about the two days given in the letter to provide information, and said that I could scan my receipt and sent it to the email above, as well as a scanned copy of the form. I play along, and I did so, sending an email the same night at XXXX XXXX
6. The following day, I called the restaurant, explain the situation, and they apologizes for the mistake. They offered to give me the credit on the spot, but I explained that I had already a conditional credit from citi, and to avoid confusions, it would be better to follow their process. They agree and stated that as soon as they receive the phone call from citi, they would confirm that there was an error.
7. On XX/XX/XXXX ; XXXX XXXX, I receive an email from Citi ( reminder, the dispute center said they do not communicate by email the resolution of a dispute ( sic ) ), indicating that my dispute has been resolved. Happily, I signed on my account online ( as I did when in XX/XX/XXXX they already told me that the dispute was permanently resolved in my favor ), and to my surprise, I found an electronic letter saying that : " after reviewing the dispute and the information you provided, we're unable to resolve the dispute in you favor ... ''. I was really surprised, considering that I send them a copy of my receipt that I signed in the restaurant, and the fact that the restaurant already agrees on the mistake ( you can not refute a hard copy proof ).
8. I immediately called customer services and explained the situation, and asked for the right instance to file a formal complaint and a resolution of the problem. The person on the phone was also surprised. He gave me a PO Box for the " Office of the President '', for XXXX in South Dakota. He also offered me a {$100.00} credit for being a " loyal customer '' ( I have a Citi AA Visa card since XXXX, which was arbitrary changed to a MC in XXXX ). I told him that I was grateful for that, but this was an issue of principles. There is a mistake and citi has to fixed and acknowledge it in writing.
9. The next day, XX/XX/XXXX, I called the restaurant again. They were surprised by the action taken by Citi, they said that Citi NEVER called them. XXXX, in charge of accounting, gave me on the spot a credit for the amount. She entered the transaction manually in the system, and she was kind enough to send me a scanned copy of the receipts. That transaction was recognized in the system only on Monday, XX/XX/XXXX.
10. I have copy of all documents, receipts, emails, etc., described above. After doing some research in the internet, I realized that there are many similar complaints, handled by the " Office oft the President '', without much success. But at the same time, I " discover '' the existence of your office, and I decided to send my complaint to you instead. It is very difficult for Citi to be a fair judge of what has happened, and a third neutral party is better suited to clarify this issue, and avoid future occurrences to other consumers, by " encouraging '' Citi to improve their internal coordination, particularly in such a critical unit as the Dispute Center.
I believe, because of negligence and wrong doing from Citi despite the evidence provided as requested, some action is needed. In the best case scenario, this is not a systemic behavior, but a problem with the staff managing disputes, which is also bad, and should be of public interest to avoid repetition of this behavior with other customers. Thanks for you kind attention to this complaint and please, let me know if I can be of any help. Best regards.
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| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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I would like to make a complaint and report the egregious violations of the FTC, FCRA, FDIA Section 19 Amendment, Financial Services Background Check Laws, CFR Title 28 Section 16.34, 28 CFR 50.12 ( b ), Tennessee Ban The Box law SB1440 : 1 ( b ) and FINRA Section3 ( a ) ( 39 ) that Citibank, its employee XXXX XXXX ; Lead Investigator for the Background Investigating Unit, and their third party vendor XXXX XXXX also know as XXXX XXXX XXXX have committed and continue to commit during their hiring process in relation to their background check.
They violated FCRA Section ( s ) : A. 604 : 15 U.S.C. 1681b ( a ) ( 3 ) ( B ), 15 U.S.C. 1681b ( b ) ( 1 ) ( B ), 15 U.S.C. 1681b ( b ) ( 1 ) ( a ) and 15 U.S.C. 1681b ( b ) ( 2 ) B. 607 : 15 U.S.C. 1681e ( a ), 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1581e ( d ) C. 609 : 15 U.S.C. 1681g ( a ) and 15 U.S.C. 1681g ( c ) ( 2 ) D. 610 : 15 U.S.C. 1681h E. 611 : 15 U.S.C. 1681i F. 612 : 15 U.S.C. 1681j G. 613 : 15 U.S.C. 1681k H. 606 : 15 U.S.C. 1681d/ ( a ), ( b ) I. 615/ ( a ) ) : 15 U.S.C. 1681m ( a ) J. 603 ( y ) : 15 U.S.C. 1681a ( x ) ) Violated : FDIA Section 19 Amendment by not following the 10-year restriction on hiring applicants with convictions.
Violated : FINRA Section 3 ( a ) ( 39 ) of the Exchange Act : certain misdemeanor and all felony criminal convictions for a period of ten years from the date of conviction. ( Despite me not applying for a Broker or Dealer position ).
Violated : TN Ban the Box law/SB 2440 : 1 ( b ) which states no pre-employment background checks and SB2440 1 ( b ).
On XX/XX/XXXX, I completed an application and started the process for a XXXX XXXX XXXX with Citibank for XXXX XXXX XXXX as a non-employee. The position pays XXXX per hour.
On XX/XX/XXXX, I completed a 10-year Background report with XXXX XXXX which was submitted on XX/XX/XXXX, to the third party ( s ) XXXX and Citibank and it shows no criminal history in the last ten years.
On XX/XX/XXXX, I received email notification to register to take a fingerprint background check. I was never asked permission nor signed documentation permitting to get or receive fingerprint background check, given written notification of fingerprint check, or received a summary of my rights in regards of the fingerprint background check by Citibank or their vendor XXXX XXXX.
As a XXXX XXXX XXXX position and XXXX XXXX regulated position, I was made to submit a background check for FINRA ( Financial Industry Regulatory Authority ) without providing consent and without receiving a copy of the Summary of Rights afforded to me according to FTC and FCRA.
Contact by phone with XXXX XXXX was XX/XX/XXXX, and XXXX XXXX. Email contact by XXXX was made XX/XX/XXXX, and XX/XX/XXXX. I emailed XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX.
I was made to provide additional information in reference to my criminal background, despite this being a violation of FTC and FCRA. XXXX XXXX asked me to provide verification that an XXXX in XXXX, TN dated XXXX of XXXX was related to the XXXX XXXX showing from Missouri. I submitted original court documents relating to the case and court documents from both Missouri and XXXX TN, and he stated that those werent sufficient. He then asked that I get the documents from the XXXX XXXX XXXX in Missouri, which caused further issues as the XXXX XXXX are over 20 years old and my XXXX ended over 16 years ago and theres a 60 day or more wait for those documents currently. I supplied documents on several occasions, despite asking why and if I could receive a copy of the background check report. I was never given a copy of the fingerprint background report despite asking both verbally and in writing. Instead, all my requests were ignored.
I informed XXXX XXXX several times that this process is different than other background checks that I have been subjected to for employment purposes and that I would think that it was his duty and due diligence to get the necessary documentation himself as that is not my job entail or position to investigate background checks.
I was never verbally, electronically, or by writing given both a Pre-Adverse Action and Adverse Action decision being made in relation to my fingerprint background check. Despite this I was still denied the position with Citibank.
On the website of XXXX XXXX, Applicant Section it states that we could receive a pdf copy of the report. When I reached out on XX/XX/XXXX, I was informed on XXXX XXXX that I could not receive a copy of the report.
Their background check process is not only illegal and non-compliant for employment of both employee ( s ) and non-employee ( s ) positions. This is creating a discrimination and disparate impact in the hiring process. I have worked in the banking industry as recently XXXX during the COVID-19 Pandemic period contracted as a XXXX XXXX XXXX for the governments unemployment payment bank. I successfully passed the required background check ; this could have been provided to XXXX XXXX had he asked about my time beyond the XXXX XXXX, such as my rehabilitation period as required. Instead, he chose to use illegal and non-compliant tactics towards my XXXX history. Which is why I am submitting this complaint today.
|
| 08/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I have been a Citi credit card holder for six years in good standing. I am submitting this complaint because Citi misled me about a reward program offer.
While doing research on several different bonus travel miles credit cards in XX/XX/XXXX, I became aware of a promotional offer advertising XXXX " thank-you points '' for opening a Citi XXXX Card. On XX/XX/XXXX I reached out to Citi 's customer service team through the live chat feature on their website. I was asking about getting XXXX bonus points through an upgrade conversion versus having to submit a new application in order to secure the XXXX bonus points. Screenshots of this conversation are attached to the complaint.
As a result of that on-line chat with the Citi representative , I was led to believe I could get XXXX thank-you points as a sign up bonus by upgrading from a Citi-simplicity card to a Citi-XXXX card.
I received access to the Citi XXXX card and started using it immediately. I achieved the {$4000.00} spending criteria within the required time period to earn XXXX bonus points. After waiting a couple of billing cycles without receiving the bonus points, I followed up with Citi on XX/XX/XXXX. I spoke with XXXX who offered to file a complaint within the company after stating to me " I understand that you have been misinformed about the bonus offer. '' Screenshots attached to complaint.
After this complaint, I was billed a {$95.00} annual fee which is a value I planned to offset through the XXXX bonus point rewards. I would not have paid for this card if I knew I wasn't getting the bonus points, because without those points the card is less valuable than other financial products I use.
The only other acknowledgement I received from Citi throughout this process besides the {$95.00} fee and credit card itself was a separate non-specific letter about an " account change '' on XX/XX/XXXX.
On XX/XX/XXXX I followed up with Citi by phone, and was shuffled around to several different representatives without resolution of my issue- and they were aware of my dissatisfaction. At the advice of the last representative, I wrote a letter and sent it to Citi to plead my case on XX/XX/XXXX. Letter attached to this complaint.
On XX/XX/XXXX I called again to follow up. XXXX indicated my letter was received and Citi mailed out a decision on XX/XX/XXXX which I still have not received. XXXX transferred me to a supervisor.
Then, I spoke with XXXX and the conversation rapidly declined into further confusion and conflicting information while having to subject myself to insults and being yelled at.
- XXXX initially said my letter was never received and that I would need to send in an additional letter.
- XXXX then said the letter was received and the request was denied. She proceeded to repeat policies and card benefits over and over again speaking to me like I'm XXXX while ignoring my complaint and refusing to provide a rational explanation for it's resolution.
- XXXX repeatedly deflected Citi 's responsibility in this exchange even though I based my decision explicitly on the information that a Citi representative provided me.
- XXXX said I could cancel the Citi XXXX account and open a new account with a bonus offer, but that ignored the clause that I can't get thank you points if I've had a new account within the last two years. Furthermore, XXXX disregarded my concern about how closing a six year old account would impact my credit score as my wife and I began applying for mortgages in an extremely competitive housing market.
- XXXX then tried to upsell me on an entirely different card that didn't address my issue in the first place.
I was in this situation because of bad information from a Citi rep and was then preyed upon in this conversation with a myriad of other options that created even more problems for me. I repeatedly asked to speak with someone else. XXXX was aggressive, rude, and dismissive and repeatedly told me there was no one else I could speak with. It was all very distressing.
I was eventually connected with XXXX and I explained that XXXX was giving me a lot of conflicting and redundant information. XXXX confirmed I had exhausted all options within the Citi organization. XXXX denied knowledge of any other consumer reporting agencies that I could submit a grievance to. I was transferred to XXXX with the conversion team who pressured me to convert back to a downgraded card in order to receive a refund on the {$95.00} annual fee. Her disclaimer also said I would no longer be eligible for " thankyou point '' offers from previous cards, which moves even further away from the issues I need to have addressed. I explained I would defer any further action on my account until I have reported these business practices to a third party agency.
As an XXXX XXXX, the last thing I want to do is deal with something like this on my time off. I have not had the bandwidth until now to address it, and I have not used the card since this disagreement started. Because the deadline for another annual fee on the card is fast approaching I downgraded the card today. I maintain my trust as a consumer has been violated and I have been taken advantage of by Citi.
|
| 05/27/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
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Web |
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Below is a copy of a letter that I am sending to Macy 's Corporate Office.
XXXX To whom it may concern, I have been a Macys American Express credit card account holder for many years. The account ends in *** according to the Macys website. I intended to use that account when I made a purchase at the XXXX XXXX XXXX Macys located in XXXX, VA on XX/XX/XXXX. The purchase was a bottle of cologne, totaling {$70.00}. At that time, the sales associate suggested that I apply for a Macys Credit Card account. I stated that I already had one and gave her the necessary information to access that account, as I did not have my Macys credit card with me at that time. After pulling up my current Macys account with the information that I provided, she stated that I was eligible for some type of upgraded account, and if I opened one, I would receive 20 % off of my purchase. I agreed, and she processed the application for this upgraded account. I was given paperwork for the account and the transaction was completed. She then told me that This new account will replace your current Macys Credit Card account. The cost of the cologne was {$70.00}, and I was told that the discount would be reflected on my bill. I left the store assuming I had opened a new Macys credit card account.
About one week later, I received a letter from Macys stating that though I have been approved for a Macys American Express Card account, I could not be approved for a Macys Credit Card Account because I already have one with them. Their policy does not permit the opening of multiple accounts, and therefore they were unable to offer me the Macys Credit Card account. I have this letter. Its reference number is **********. This tells me that I only have one Macys Credit Card account, the one that I have had for years, ending in ****. This account is connected to my XXXX XXXX XXXX checking account via eBills. At no point did I receive any notifications of an eBill from Macys. I have not received an eBill from Macys on that account since prior to XXXX of XXXX.
I have logged into my Macys Credit Card account and show no charges for either the Macys Credit Card account nor the Macys American Express card credit accounts.
Apparently, despite what that letter dated XX/XX/XXXX says, an account WAS opened in my name, and the charge for the cologne was posted to that account. I received no documentation through the mail until the end XXXX, XXXX. This was a bill showing a payment due date of XX/XX/XXXX. This was the first statement that I received, and it did not arrive until near the end of XXXX. Shortly after that, I received another bill with a payment due date of XX/XX/XXXX. That bill showed a late fee and interest. No charges were showing on my Macys Credit Card account, nor had I received any eBill to my XXXX XXXX XXXX Account. My XXXX bill then came with additional fees and interest. I contacted Macys customer service and explained my situation. Clearly an account was opened in my name despite having a letter in my hands that stated that no account was opened because an account could not be opened due to me already having an account. After spending some time on the phone, I was told that one of the late fees could be removed, but the remaining late fees could not be, the interest charges would also remain, and I would be responsible for paying the bill in full. I requested to speak to a supervisor but was told that I would be told the same thing. I informed the customer service representative that I was willing to pay only the original charges, and that I would not be paying any fees or interest, and I wanted to know why an account was opened when I have a letter stating that an account could not and would not be opened. He wasnt able to explain how that happened and reiterated that he could not remove all of the charges and interest fees. I again requested to speak to a supervisor. I was put on hold. When the representative returned to the call, I was informed that the supervisor stated that he would tell me the same thing and that there was no reason for me to speak to him. I again explained that I would not be paying any additional fees or interest over the original sales price, and if they were removed, I would be happy to pay the bill in full immediately. The representative advised that he could not remove all the fees and interest, and I advised him that I would be making no payments to my account.
I have since continued to receive monthly statements with additional interest and fees. Today I called XXXX, as that number was on a letter that I received regarding my account. I spoke with a representative and a supervisor and again explained the situation. I was told that nothing could be done about the fees and interest. I advised that this was my last call to them and that I would be contacting the Consumer Financial Protection Bureau as well as the credit reporting agency with this issue in order to get it resolved.
I am enclosing a copy of the letter that I received, dated XX/XX/XXXX, stating that an account was unable to be opened for me. You may contact me at either my email address, XXXX, or my phone number, ***-***-****.
Thank you for your time,
|
| 10/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
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Hi, I am a customer of Citigroup Inc. and I have a CITI Mastercard with them. I have a current outstanding balance which I am diligently paying off month by month. I can not do auto pay for my monthly payment as I have very little money in my only bank account and have to be very careful of making the payment in the correct time frame prior to due date when my funds are available in the account I pay from ( a XXXX checking account ). My method to pay is always the same, I log onto online.citi.com, enter my login and make the payment. This last month the payment was due on XX/XX/XXXX. I tried on XX/XX/XXXX to make my payment. Their payment site was down and this had nothing to do with my computer equipment, as I tried via my cell phone browser too and got the same results. I am working two jobs right now and had to go to work immediately after the failed attempt and then spent the next day working XXXX to XXXX and coming home exhausted forgot about the payment until the morning of XX/XX/XXXX. I made the payment successfully then and messaged them via their website asking for a waiver on the late fee. Here 's what I wrote : " on XX/XX/XXXX I tried in vain 17 times to make my payment online as I always do. Everytime I got this error : XXXX XXXX Server Error - Generic Exception/URL denied - Citibank online.citi.com I tried different internet browsers, nothing worked your site was down.. I couldn't get back to my computer to XX/XX/XXXX when finally I got through and was able to make payment. I dont want to be charged a late fee for this. Please make an adjustment. I can not do auto pay, long story. Thank you for your attention to this matter. XXXX XXXX '' They denied my request with this answer : " From : me***********************om Subject : Re : payment page not functioning Date : XX/XX/XXXX XXXX27 EST Dear Valued Customer, We regret any inconvenience you may have experienced. We strive to be the best in the business and feedback like yours helps us to improve our service. We will make every effort to serve your future needs in a manner more consistent with your expectations and our standards.
We are unable to waive a late fee if your payment is not received by your payment due date. Our late fee policy, as outlined in the Card Agreement with us, states that we will bill a late fee when your minimum amount due is not received by your payment due date. To avoid late fees, please ensure your payments are mailed 7 to 10 days in advance of the payment due date.
We suggest you clear your cookies and temporary internet files ( or cache ) as this may help resolve your issue. If you are unfamiliar with how to do this, or this does not resolve your issue, please respond to this message with the answers to the following questions so we can better assist.
Citibank offers several payment options to help you keep your account current. Pay your Citi Card bill online with Online Bill Payment. It just takes a few minutes to enroll. Then sign on to Citi Online each month and pay your bill electronically. You choose the amount to be deducted from your deposit account. It is fast and flexible. To learn more, navigate to Payments & Transfers from the navigation bar.
Another option is to have your payments deducted automatically from your deposit account on your payment due date. Request an enrollment kit by responding to this message or contact Customer Care at the number below.
If you have a payment due immediately, call Customer Care and pay over the phone with your deposit account. We are available 24 hours a day at XXXX. If you are outside the U.S., you may call us by dialing the operator from a land line telephone and requesting to place a collect call to the United States at XXXX. Our telecommunication number for our hearing impaired customers is CS TDD XXXX.
Lastly, you can make electronic payments to your Citi card account with a wire transfer initiated through your bank. XXXX XXXX also provides a Quick Collect/Quick Pay service, which allows you to send a payment to us and have its receipt confirmed within hours. Once received, the payment will post to your Citibank account within 48 hours.
If there is any way we can be of further assistance, please feel free to contact us. '' I am tired of answers where the answer doesn't even take into account anything I wrote in my explanation or accept any responsibility for their failure. At worst it could be a 50/50 settlement on the issue, but no they just charge the {$27.00} late fee : " XXXX XXXX, XXXX LATE FEE - XXXX PAYMENT PAST DUE Expand Details {$27.00} '' They don't want to listen to any reason or explanation they just charge you the money and place the blame on me. I think this is unfair.
Recently they charged me interest on my yearly membership fee, saying the membership fee itself was considered a purchase. How can that be? They call it : " XXXX. XXXX, XXXX INTEREST CHARGED TO STANDARD PURCH Expand Details '' and they charge me two months in a row for this. The amount is small, but when I think they do this to 10 million customers they reap huge rewards. Once again I find this highly unfair.
I hope you can help me with this matter.
Thank you, XXXX XXXX XXXX
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| 10/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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XX/XX/XXXX. After losing my card, I contacted Citi customer service to have my card blocked as lost ( about XXXX EST ). I verified all transactions on the card were mine and no fraud had taken place. I passed verification to have the card blocked as lost and when offered a new card I declined. I declined because the address on file is an old address, and they would only send the card to the address on file. I explained that I sold that house in XXXX and have been living with my mother-in-law and now my mother until my new house is build and we close in XXXX. I provided my current address ( XXXX XXXX XXXX. XXXX, OH XXXX ). The employee became suspicious of me. After 2 phone calls, a transfer, an hour, and several verification steps I was denied access to move forward in the process and my app was also locked. I provided my married name, maiden name, security word, SSN, previous and current address, my payment and transaction history, a phone code and answered questions about other cards and accounts. The representatives refused to believe the ID verification although I passed all authentications. He said they will send a letter to the address on file with a verification code. And until I call back in with that code, I will be blocked. I ended the call thinking my card was blocked and no one could transact on it. I was still worried that a code allowing access to my account may get into the wrong hands because they sent it to a known old address. I figured I could deal with getting a new card later when I'm settled at my permanent address. At this point I was very distressed and had severe chest pains. I was dizzy and sick the rest of the day becaue of how poorly I had bee treated.
That same day I filed a complaint with XXXX XXXX XXXX ( Corp. Complaints ) explaining what had happened. About a week or so later the complaints department reached out and apologized, citing that the employee 's manager has been notified and he would receive training. However, even though they reviewed or investigated my complaint and confirmed it was Citi mistake, once that letter went out with the verification code, it trumped all aid that they could then give at that point. They reassured my card was blocked as lost, that I could call back in when I'm settled and could provide my permanent address ( to get a new card # ), and that they couldn't unlock my app. When I mentioned I use my app to see how much I owe monthly ( because I usually pay it off in full ), she said I can just call in for that balance. I explained again that if they sent a letter to n address I'm confirming as old, then I won't receive it. She didn't offer to send a new letter to my current address. I left this call unsatisfied with the resolution but had no choice but to accept that Citi customer service is horrible and abusive towards clients.
On XX/XX/XXXX I received a voicemail from Citi Fraud Early Warning with a reference code and a request to call back.
On XX/XX/XXXX I returned the call. I was informed my card had never been blocked. I requested it be blocked. They verified it was last used on XX/XX/XXXX for {$18.00} at XXXX XXXX. I confirmed this was my transactions and no other transactions were fraud. The employee offered to send a new card. I explained that the address on file is an old address ( Ive explained this XXXX x over the past month and a half ). She confirmed I could call back in whenever Im settled in my new house and have the card sent to the new address. I was VERY clear that I am closing on a house early XXXX and to be 100 % sure to only block my card and NOT close my whole account. She reassured me she blocked the card only. During this call I believe she said she could unlock my app, I agreed.
On XX/XX/XXXX I went to pay my household bills and checked back on the app to see if I owed anything. An alert stated my account was closed. I called Citi and an employee confirms it was closed because a new card wasnt sent. At no point in this entire process was it disclosed in any manner or through any channel that my account would be closed for any reason, including failure to issue a new card.
I am reporting my experience to the CFPB. Ive never in my life been treated so horribly as I have been by CitiBank. I believe Citi is retaliating against me for my complaint. I'd like to add that my account was in great standing. I pay my bills on-time or in advance, often in-fulI. This Citi Card was my main credit card and over the past year alone I've done over {$13000.00} in business. At the time of closure, I even had an overpayment. No one has notified me of if a check will be cut and to what address. No one has explained compensation for lost rewards. Back in XXXX when I got married, I had such a horrible time trying to update my last name with CitiBank that I gave up. I was left in tears. Its the ONLY account I still have my maiden name on. Same with updating addresses, which led to this experience.
I pray this doesnt impact my credit to the point I cant close on my new home Ive been building since XXXX. These events have cause much mental and physical distress and anguish. After each of these events I suffered XXXX XXXX and XXXX XXXX
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| 03/22/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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Dear Consumer Finance : As a student at XXXX and on a strict budget, I applied to Bestbuy-Citibank zero interest rate to buy a computer for my school around XX/XX/XXXX. Everything was great. Then due to health problems, I bought from Bestbuy an air purifier around XX/XX/XXXX. During my purchase at the store, I requested this charge to go as a separate charge with zero interest as my previous charge. The salesperson said it would be no problem. They said that since this account was on a automatic payment plan, it would automatically adjust. I called Best Buy in XXXX, to confirm that I was on target with my repayment plan to meet the end date of the zero payment plan and was told yes, that I was.
Due to XXXX, my school closed down and I had to go back home. Also I lost my job in XXXX. In XXXX, I immediately called Best Buy and requested a forbearance. They said yes and told me that it would applied to my account.
Without work, my mother from her Social Security checks continue to make payments on my account although I was told by Best Buy that I was granted the forbearance on my account. I never once missed not even 1 payment on my account. Even when my mom got sick with XXXX around XXXX and I had to attend to her while going to school and looking for work, we still made all of our payments. The payments were on a automatic payment plan. As you can image, I was devastated when I called up Citibank to check up on my account and was told that I owed {$1100.00} mostly all in interest.
I contacted the XXXX XXXX XXXX case number XXXX but Citibank was very heartless and condescending. Not even when I tried to settle this bill by making a good faith offer did they show any kindness. I explained that I had requested and was told that I would be granted a Covid forbearance but all they said was that I have to pay and that they would not settle for any amount less then what was on the account.
I was truly lied to by BestBuy/Citibank Not Even 1 time as an act of kindness during these troubling times with XXXX did Best Buy/Citibank : 1-call or 2-send me a letter or 3-a specific email letting me that my Zero interest plan was going to expire and I still had a very minimal balance to pay.
Pls note : Citibank couldnt contact me to let me know that the interest rate was going to expire, BUT they did call me to let me know after I filed with the XXXX that they didnt care what I said, I had to pay them. Very XXXX.
1-Question : why was I lied to by Best Buy/Citibank when I called in XXXX and was told that I was on target with my repayments and would not incur any interested as long as I continue with my payments?
2-Question : why did Best Buy/Citibank lie when they told me in XXXX that they had applied a forbearance to my account?
3-Question : why was Citibank so eager to crush my credit especially during XXXX when I was jobless? Isnt this why I had requested for a forbearance? They were more interested in crushing me with an interest rate that I was told that I had a forbearance and I would be able to pay with my repayments to meet the deadline on the 0 % interest rate 4-Question : why is it that Citibank didnt even take an interest in investigating what happened to the forbearance that I was told by Best Buys that was granted to me? Because obviously its in their favor to collect over {$1100.00} in interest if I didnt repay my balance within the payment period. However, I complied with EVERY payment. I NEVER missed one month payment.
5-Question : why is it that it took me filing a complaint with the XXXX XXXX XXXX to get Citibank to give me a call to discuss how I was misled and I have been a victim. They were totally inconsiderate and unsympathetic with my entire situation.
During all this, I have had to deal with my mother being infected with XXXX, trying to find work, and being promised a forbearance which was all according to Citibank a lie by Best Buys. Just like Citibank called me to discuss this complaint and were heartless they could also had called me to let me know that my interest rate according to them was going to run out. Other banks do this as a courtesy to their customers.
They didnt even extend me the opportunity to make one single payment which would had address any balance before interest or them applying an interest rate of {$1100.00} on my account which is crushing me. Its obvious that Citibank is more interested in making money On the backs of people that dont even have a job during this time of Covid then the human population that they call customers As of today I have completely paid up all that I owed except the {$1100.00} interest that was applied by Citibank. I am asking for Citibank to waive the interest that was applied to my account due to lies and misinformation by Best Buy. To my knowledge, I had been granted a forbearance and was NEVER offered 1 chance to pay any outstanding balance to avoid the interest. Citibank had my reach number, unlike other banks, why did Citibank choose not to contact me, instead of hitting me with all this interest? I need Citibank to do what is right and take off the interest that was applied to my account.
Thank you kindly XXXX XXXX XXXX
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| 03/09/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Unauthorized transactions ( where money was withdrawn from my Citibank accounts by a fraudster at tellers at three different Citibank branch locations ) have occurred three times -- in XXXX, XXXX, and XXXX, XXXX. The first two incidents have been resolved and the money returned, but the third unauthorized transaction in XX/XX/XXXX has been inexplicably denied by Citibank. I filed an appeal, but it was denied. The case was closed by Citibank on XX/XX/XXXX.
The first unauthorized transaction was on XX/XX/XXXX. {$3800.00} was withdrawn from my savings account. I went to the Citibank branch at XXXX XXXX XXXX XXXX, New York and opened a new account with a personal banker named XXXX XXXX on Monday, XX/XX/XXXX. I submitted a fraud claim for this transaction. Since then, XXXX XXXX has been helping me with all fraud cases. According to the transaction record, XXXX XXXX told me that the third-party check of {$3800.00} was deposited at the teller of the Citibank XXXX XXXX XXXX in XXXX XXXX NY XXXX Because the check was invalid, the money was withdrawn from my Citibank savings account instead. XXXX XXXX told me that a fake NJ drivers ID was used at the teller to deposit the check. No ATM card was used. I never lost the card and there was no Pin verification at the teller. He was able to verify this record from the Citibank system transaction record. XXXX XXXX placed an alert on my account so that no one could in the future withdraw money from my accounts without a debit card and pin number at the bank teller.
Another unauthorized transaction occurred on XX/XX/XXXX, when I found out that {$2200.00} from my savings account and {$2000.00} from my checking account were withdrawn at the Citibank at XXXX XXXX XXXX, NY branch while I was out of the country ( in XXXX, XXXX ). As soon as I returned to New York, I went to see XXXX XXXX at Citibank on XX/XX/XXXX to close the accounts and open new ones. I looked at these unauthorized transactions with XXXX XXXX and submitted the claims. According to XXXX XXXX, a fraudster came into the Citibank XXXX XXXX XXXX branch in New York on XX/XX/XXXX, and a third-party check was used at a teller. This time, a fake New York drivers ID was used at the teller instead of the NJ one. The ID number XXXX XXXX had in the Citibank system record did not match my Drivers License number. After this incident, I filed a police report with XXXX XXXX XXXX at the XXXX precinct in XXXX. I was able to get a refund for these unauthorized transactions in XXXX and XXXX.
Yet another unauthorized withdrawal of {$4800.00} from my checking account and {$4900.00} from my savings account was made at the Citibank XXXX XXXX XXXX branch in XXXX, NY on Saturday, XX/XX/XXXX at XXXX am and XXXX pm, respectively. I met XXXX XXXX on Monday XX/XX/XXXX. He verified that it was a teller withdrawal, and the same fake NY drivers license was used in the XXXX incident at Citibank XXXX XXXX XXXX branch.
Several days after submitting the claim, I received a letter from Citibank incident reporting unit that said my claim was denied because " it was a teller cash withdrawal and cashed out by me, '' which is not true. I contacted the Citibank fraud department through XXXX XXXX and also spoke directly with the incident reporting unit at XXXX ( XXXX XXXX ). I appealed the case, insisting that I never lost my debit card and that no one should have the pin number since the debit card was issued in XXXX, only two months prior to the incident. The appeal was eventually denied.
I spoke with XXXX XXXX from the Citibank Incident Reporting Unit and asked him if a Citibank internal investigator checked the ID record, debit card number ( if used at all ) or camera record. He was not able to answer any of the questions. XXXX XXXX told me that it was not possible to re-open the case because it was a management decision. XXXX XXXX then advised me to go to the Citibank XXXX XXXX XXXX Branch ( where the unauthorized transaction occurred ) for further assistance regarding the case as well as to go to the police. I went to the branch and spoke with the branch manager and assistant manager, but they told me they were not able to help me because the case was already closed. XXXX XXXX said the branch has access to more information about the transaction, but the branch staff would not even speak to me. I filed a new police report and spoke with XXXX XXXX XXXX at the XXXX XXXX Precinct. He told me that it is possible for anyone to make a duplicate of a debit card.
Citibank is responsible for letting this fraud happen. Tellers were supposed to see an alert in the system and contact me if there were any suspicious transactions after I had recently been targeted twice. Instead, they convinced me to make new accounts, which they assured me would be safe. They did not provide me any details about the investigation and have effectively blocked me from learning what actually occurred. I am the victim of identity theft and have lost thousands of dollars due to no fault of my own. I respectfully request that Citibank refund me {$4800.00} ( checking ) and {$4900.00} ( savings ), respectively.
Thank you for your prompt attention to this matter.
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| 05/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Citi Bank XXXX XXXX XXXX XXXX XXXX SD XXXX Re : XXXX Gift Card Charges To whom it may concern : 1. Request I am writing to continue the dispute and dispute the investigation on the following charges below : Card ending in XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX I only have been given conditional credits on XXXX but disputed all charges listed above.
Card ending in XXXX previously XXXX when originally disputed.
XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Conditional credits were reversed for all charges on XX/XX/XXXX. I am now disputing your investigation. I was never provided any documentation into this investigation, after requesting. I do not believe the proper protocols were followed for unauthorized charges.
2. Reason for dispute : Fraud I do not recognize these transactions and never authorized any of the charges above. I received a letter in the mail on XX/XX/2022 stating that Citi never received the information needed, and Citi had to continue the investigation with the information available. Citi said unfortunately, there wasn't a response from me and the investigation would not result in my favor. I originally disputed all of these charges on XX/XX/XXXX. I sent Citi information on XX/XX/2022 via the email account that was provided to me. I also requested full documentation of this investigation. I was never provided with any of this information. I was charged late fees during these disputes, as well. Then all conditional credits were reversed. I plan on exercising my credit card user rights and contacting the Federal Trade Commission and Consumer Financial Protection Bureau regarding the malpractice conducted in this investiagtion. Pursuant to XXXX Reason Code XXXX. Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. I refuse to pay for any of the unauthorized charges. Also, both accounts can be closed if this does not get resolved.
3. Request Please credit the full amount to my account, all late fees removed, an accurate statement, all documentation regarding the investigation, and an open case against the merchant. I have always appreciated your timely and professional customer service. I am requesting copies of the full investigation in this dispute case. Thank you for your attention to this matter.
Sincerely, MM XX/XX/2022 Citi Bank XXXX XXXX XXXX XXXX XXXX SD XXXX Re : XXXX XXXX XXXX XXXX XXXX ending in XXXX previously XXXX when originally disputed.
XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Card ending in XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX To whom it may concern : This letter is regarding the charges below sent to your disputes team. See letter below. Listed above and below are all the disputes that shouldve been under investigation since XX/XX/XXXX. Citi is not following the Fair Credit Billing Act and the Fair Credit Reporting Act.
The card issuer has 30 days to acknowledge receipt of a complaint. Some of the disputes were never acknowledged at all. I disputed ALL charges in the letter below in XXXX. Some of them were acknowledged and some of them were not. Its way past the 30-day time period.
The card issuer has two billing cycles to complete their investigation. Two billing cycles have come and gone. During that time the issuer is not allowed to try to collect the payment, charge interest on it, or report it to credit bureaus as late. Citi has charged interest, late fees, and tried to collect payment. Also, Citi has reported me to the credit bureaus for being late with payment.
If the card issuer finds that the disputed payment was invalid, it must correct the error and refund any fees or interest charged as a result. If it finds there was no error, it must explain its findings and, upon request, provide documentation to back them up. I have requested all documentation of these investigations. I have not received documentation to back up any decisions made my Citi.
Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late. I will NEVER pay this. I will continue to dispute the charges online, like I did yesterday. I expect these charges to be off my account. Please credit my account. I will be filing a complaint with the Federal Trade Commission, Consumer Protection Bureau, and the XXXX XXXX XXXX
XXXX XX/XX/2022
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| 06/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Dear CFPB, I have been a loyal XXXX XXXX XXXX cardholder and would like to report unethical interest charge method and abuse of payment hierarchy rules.
My issue begins with the complication that I have 3 different plans in one account.
On my XX/XX/XXXX statement I had a 0 % purchase offer that end on XX/XX/XXXX and a 0 % balance transfer offer which ends in XX/XX/XXXX. For the XX/XX/XXXX statement as both my plans are active I see a {$10000.00} on my BT plan and {$1200.00} on my purchase plan. Due to the fact that I am on 0 %, auto-pay setup for minimum due payment satisfied all plans and no interest was charged.
On my XX/XX/XXXX statement I see a {$0.00} interest charged due to my annual fee of {$95.00}. I do understand that some issuers charge interest on annual fees but, I did not know that I was a revolver and did not have grace in my plan as I was hit with an interest fee on the same day the annual fee was posted. One can argue that annual fee are not purchase hence this is another subset of plan bucket but the statement clearly states Purchase- Standard Purchase. Can issuers disguise a fee as a purchase by adding it into purchase plan bucket to gain interest on non-purchases when customers are on a 0 % APR? Also Isn't there a need for issuers to give customer heads up about this? No information was provided that 0 % on purchase/BT doesn't in fact mean " grace '' and that any other " fees '' can be charged interest at the day of posting even on 0 % period. For this case, this fee was charged not for wrongdoings ( i.e late fee/cash advance ) This seems like a sneaky method that Citi does to capture on the {$0.00} of fee by offering customer 0 % APR plans to lure customer to not pay in " interest-free '' period and catch on sneaky fees like this.
Citi did waive {$0.00} on this but had to call again to waive the trailing interest of {$1.00} on the annual fee. At this point I had {$10000.00} on my BT Plan and roughly {$2300.00} on my 0 % Purchase and theoretically not on Grace according to Citi.
As mentioned before, my 0 % purchase plan was going to end on XX/XX/XXXX so I proactively made enough payment ( {$10000.00} ) to avoid paying any interest. All in all I am on 0 % on my BT plan and such substantial payment would be enough to not be charged interest. But as you can expect, Citi does not do anything in favor of the customer. Because my payment of {$10000.00} was made BEFORE XX/XX/XXXX this payment was allocated according to payment hierarchy rule-new purchase that are on 19.24 % from XX/XX/XXXX-XX/XX/XXXX ( Cycle close date ) but the remaining amount was allocated to my BT plan which has 1 more year of 0 % vs. all to my 0 % purchase which was ending in 6 days after payment. Not sure what the regulation is on payment hierarchy when the APR is the same in both plans and how payment allocation works but, in customer friendliness doesnt it make sense for your payment allocation to be applied to the plan that is ending the soonest rather than the latest? What is the point of payment hierarchy if banks can do whatever they want on same APR plans? In this case I shouldnt have done Citi a favor by paying my bill early and customer should never ever pay my bill early as you can be penalized. If I waited for my promo to end and made the {$10000.00} payment on my due date XX/XX/XXXX, this wouldnt have happened at all. A case when paying early hurts the customer should never be allowed. Citi made some money by getting my {$10000.00} early and saving on cost of funds, liquidity allocation etc and charged interest on customers. Never ever customer first After explaining all this to the customer agent and getting the interest waived. I asked a question on how much of my XX/XX/XXXX statement balance of {$3700.00} is under 0 % balance transfer? The agent told me that {$2900.00} are in my BT plan so any payment of {$800.00} would satisfy my payment and would be not be charged interest. I then made a payment of {$850.00} on XX/XX/XXXX and auto-pay of min due of {$56.00} ( Total of {$900.00} ) but dont understand why I am getting a {$8.00} interest charged on a {$510.00} balance subject to interest charge. I have talked to multiple agents and none could explain how my {$900.00} payment was allocated and what sort of payment hierarchy rule they have used. What sort of calculation is need for the statement reflect {$510.00} balance subject to interest? I know credit cards but dont understand what method of payment allocation and daily accrual method Citi is using. And agents continuously avoided any valid explanation and I had to ask numerous times on how much of my statement balance is on 0 % BT plan. Finally they have waived my fee and told me all my balance excluding new purchases are in 0 % BT but, well see next month and see. This seems to be some fraud activity that Citi is pulling off in allocating my payments and would be great if CFPB is investigate if Citi is performing such activities to all of their credit card customers. I am pretty sure not many people can catch this nor easy to explain what is causing this.
Can somebody investigate or Citi explain what has exactly happened?
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| 07/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Citi Reference Number : XXXX In regards to the refference number above there has been dozens of communcations through this cfpb website to communicate with citibank, out side of here, no one resonds, calls or are the people who are to help every available. This is why the past year I have used this complaint system, otherwise, they have played games and caused undo stress just to communicate.
as you can see. I have been asking for the same thing each time.
again.
1st of all it took over a year and 1/2 to get the funds returned to the benificuary of the account that citibank ignored. Citibank tried to convince the adminstrator of the estate and the 100 % benificuary on the account. Citibank did tell the benificuary that she was the benificuary on the account. She had been making contact and calls with citibank since XX/XX/XXXX after her father died. She was not informed unitl the end of XX/XX/XXXX.
At that point she had spoke to Citibank at least a dozen times and she was never told.
I am not sure of the exact timing, but I have read that it states a benificuary must be notified withing 60 days of someone passing that they are benificuary. I called the bank dozens of times between the approximate days of 168 from the day of the passing on XX/XX/XXXX until XXXX XXXX. That is way beyond the 60 days. Why was I never told I was the benificuary. you held onto my fathers CD and checking account for over 5 months. That is not legal.
Did someone come into the bank pretending to be me??
If this happened I need to KNOW NOW!!
I was my father 's only benifiucary on his accounts, Why did Citibank keep this information from me for over 5 months?
At the time I found out, I had to spend money to fly from Oregon to CA, and stay in hotels, to be at Citibank in person because they were so rude. I had to wait until I got my Administrator of Estate papers before they told me I was beneficuary.
That doesnt make any sense.
The bank account had 100 % benificuary to me. The administrator of estate papers had nothing to do with the bank.
They tool my papers when I got to the bank and told me they need to take it to their legal departmenet to verify that they are real documents. I had to wait 20+ minutes.
I still had no idea I was the benificuary yet. they came back out and rudely just said. You are the full benificuary do you want a check now and close the accounts.
I was still confused. I need to know what was there and how much. and to see a final statement took a fight. But this was when I saw that someone worte a XXXX check and forged my fathers name dated the day my dad passed.
they the bank argued withme and tried to tell me my dad must have wrote it before he died. He was in XXXX unconsous for nearly 2 weeks, during heavy covid time ( XX/XX/XXXX ), no visitors etc.,. I literally had to argue this situation with two of citbank workers. they were rude and insensitive and I was crying and completly blown away to what I had to deal with there. It was horrible.
so again.
answer these questions.
1. Did someone come in there pretending to be me, the benificuary???
2. What went down at this bank regarding my fathers accounts with other people, the people who forged the checks???
3. Why did XXXX XXXX XXXX put in writing that by law they have to report what my brothers did there to the athourities, but Citibank keeps going back and forth for months and months ( years now ) doing absolutly nothing, and telling me that I have to hire a lawyer? WHy??
4. Does XXXX XXXX XXXX have different laws they have to follow as a bank the Citibank does not have to follow?
5. When I called XXXX XXXX XXXX they instantly told me that I was a benificuary and they sent me all paperwork to sign and notorize and itwas all taken care off quickly after my father passed.
6. citibank , played games, lied, didnt return calls, causes so so much stress ... .. and made me have administrator of estate papers in person at the bank before they told me i was the full benificuary?? WHY??
7. AND NOW AFTER ALL THI STIME STILL, NEARLY XXXX STOLEN FROM MY FATHER, XXXX YEAR OLD MAN IN XXXX, CITIBANK WON'T FILE CHARGES OR REPORT THIS TO THE AUTHORITY?
8. AND AT THAT>.. WHY WON'T CITIBANK PROVIDE ME THE BENIFICUARY, ME THE ADMINSTRATOR OF MY FATHER 'S ESTATE THE PROPER PAPERS TO EVEN SHOW AUTHORITIES.
9. AND WHEN THEY HAVE SAID THEY DONT SEE THAT i AM THE ADMINSTRATOR OF THE ESTATE ANYMORE.. WELL 1. YES I AM. 2. THIS ALL STARTED IN XXXX OR XXXX. AND NO ONE REMAINS ADMINSTRATOR OF AN ESTATE FOR EVER.. THEY HAVE UNTIL CASE IS ALL OVER. BUT EVERYTHING NEEDED AND ASKED FOR MY CITBANK WAS ASKED FOR IN A TIMLEY MANER AND SEVERAL SEVERAL TIMES. THEY WERE EVEN SUBPENIAED FOR DOCMENTS IN XXXX.
10. IT IS UNKIND, UNFAIR AND RUDE TO MY FATHER WHO WAS A CUSTOMER SINCE XXXX. HE PUT A BENIFICUARY DOWN TO AVOID PROBLEMS AND HAVE IT SET FOR HOW HE CHOISE IT TO BE. CITIBANK DISRESPECTED HIS RIGHTS AS WELL AS DISRESECTED AND WON'T HONOR OR DO THE RIGHT THING NOW. THIS NEEDS TO BE REPORTED TO THE AUTHORITIES.
THIS IS NOT SOMETHING THAT THE BENIFICUARY NEEDS TO GO HIRE ANOTHER LAWYER FOR AND SPEND MONEY. THIS IS CITIBANKS FAULT
|
| 03/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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- Confusing or misleading advertising or marketing
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|
Web |
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I am XXXX : XXXX, XXXX A citi bank customers, and I do have a direct deposit with them for past years, and on each times, I asked for credit, I always being turned down, my credit never enough for them. Eventually, last XX/XX/XXXX, I made a deposit, and the bank Soliciting us by offering my wife and I a secured credit card, but required a deposit of any amount, we deposited {$2000.00}, {$1000.00} XXXX per person, but there is a catch which we did not know nor being advised with such false advertisement, when ever, either one of us took three hundredth dollars from our account it is a loan to be repaid back with 5 % interest which {$15.00} which supposed to be gave away for free non refundable. If any purchase made have to be paid on time or interest rates will occurred, but it is not a real credit card its like a pre paid card to me, and being told it is going to be that way for six full month, thereafter a real credit card will be gave to customers, all was lies, we have been though a lot and can not take such problem any more, my wife XXXX from the schema, I remaining with them, when I call for the real credit card, a letter were sent advising us, within one year and six months the card will be mail to get off secured card, that never took place. I got seek and tired being used, misused, and abuse by citibank secured card scams.
After all these false promise citibank, citibank constantly, kept charging my {$25.00} per month if I do not paid on time, and locked my card any times, opposing me from travel, and that happened I am the one who pay consequences, and the bank card refusing to credit my account on timely, even their claims their do, my bill remain same like no credit ever applied, last time I redrawn {$300.00} from my deposit card, the bank actually recharge me {$15.00} for cash advance, but I do not have a real credit card when should I continue paying a bank for nothing, even I paid {$25.00} month was not over yet within couple days another {$25.00} demanding again, that is {$65.00} to gave away, and I am in debt without having a credit card from them, it is like I am paying a mafia to abuse me out of no where. within the same month XX/XX/XXXX before any demand made, I called the scam card company let them know, I am using my deposit I can not do such illegal business with them any more to closed the deal because it is not working for me, I borrow {$900.00} from my deposit, and I requested for any amount left over please mail it to me. Plus i have a refund expecting {$16.00} from a purchase returned.
On about XX/XX/XXXX, I got a phone message from citi bank card scheme artist, being told to look on line for my account, or call them, I called them up, when the person answering she said, it is a collection for un paid debt that, I hold them {$1000.00}, but I do not have a credit card from citibank neither own them a dime, the bank fraudulently charging me for no reason, and I told them I will sue for {$20000.00} if my credit affected.
because of citi bank illegal action my credit is messed up, no one want to gave me credit, and I want credit bureau to removed such illegal stains from my credit file.
P.S. When collection fraudulently call me, their said it is a collection about my CLASIC VISA CARD FROM CITIBANK, I have never own, have, had any knowledge nor in my procession of such credit card. All are schema and messing up my credit file at all credits bureau.
SECOND COMPLAINTS : Against XXXX XXXX XXXX, I do not own XXXX XXXX {$1900.00}, all are fraudulent charge claimed made by XXXX employees through a conspiracy theories, I have been offered a deal at XXXX XXXX to gave up my personal phone which was an XXXX. in returned to received ( BOGO ) when meant buy one phone, and get the second phone for free, just have to paid taxes on both phone even it is free, then I found out phone was improper, and was returning for another refurbish one, with a higher bill, I requested for bill to be reduce the company would not done so, company further requested that, I paid for a month of XXXX and i was not have any transition with them on XX/XX/XXXX, I make few payment on {$690.00} my out standing balance is {$520.00} XXXX because of the company misconduct I request to gain my phone back to removed from their deal company would not done so ; i therefore, move out and went to a new companies which not a crime, later XXXX wrote a letter to IRS and 3 credit bureaus, that I own them over {$1900.00} which is not true, i made several calls and went to the office spoke with them, and there were no records of all deal gave to me, but mentioned what was found a phone was trade in and the returned were not mentioned, and the cash that were gave, but receipt found etc. I made request for my credit file to be clear corporate office refused to un do the illegal act committed against me.
THIRD COMPLAINTS : XXXX XXXX, I never done business with them never file any application, and I were not in New York, I filed a police report the company continue block my credit illegally without probable cause, I and I told them this month I will go to court and sue them for misusing my copyrights.
|
| 09/25/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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I opened Home Depot Credit Card on XX/XX/2019 as I purchased four ceiling fans in the amount of XXXX after getting XXXX off for opening a new credit card. I made another purchase on XX/XX/2019 in the amount of XXXX for some misc items. After that on XX/XX/2019 at around XXXX XXXX cst, I received a call from Home Depot Customer Service - phone number XXXX - asking if I tried to make a XXXX purchase and I told her that I didn't make or authorize any purchases and that I have not received my new Home Depot credit card in the mail as of XX/XX/XXXX. She asked me where I lived and how far I was from XXXX - I told her that I live approx 45 miles from XXXX in one of the suburbs and then She said she would close the account due to the fraudulent activity and send me a new card in the mail.
After that I received the new card in the mail around XX/XX/XXXX and then using the newly received card information I set-up my new home depot credit card account and logged in on XX/XX/2019 to check when my payment was due from the purchases I made in XXXX and to my surprise I saw a charge of XXXX posted on XX/XX/2019 on my credit card account. I tried disputing the charge through my account using dispute button but it showed a message asking to call customer service. So on the same day, XX/XX/XXXX at XXXX XXXX cst I called Home Depot customer service on XXXX to dispute the charge as it was fraudulent and explained the situation about the fraudulent activity that occurred on my account and the customer service representative agreed that she sees that in the system and that it shouldn't be on my account. She asked that I call their Security Operations department on XXXX and they should be able to remove it from my account. On XX/XX/XXXX at XXXX XXXX cst I called Home Depot 's Security Operation Department at XXXX and spoke with a lady and explained the situation with all the fraudulent activity that occurred on my account and that I never received the card in the mail when this took place and also that the customer service person who called me to inform about the fraudulent activity on XX/XX/XXXX said that the credit card was used in XXXX and that I live 45 miles away from XXXX. She said that they will have to investigate the charge and they will let me know the results. After this I checked my account and the charges were reversed and received a letter in the mail stating that I have received credit on my account.
After that I logged in on XX/XX/XXXX in my account to schedule a payment and saw that the charge that I disputed earlier in the amount of XXXX was posted back on my account on XX/XX/XXXX. So I called the customer service department on XX/XX/XXXX at XXXX XXXX cst on XXXX and asked that why was this charge posted back and that why was I not informed about posting this charge back again on my account - the customer service person apologized and said that I should talk to Security Operations and she was not able to see any comments as to why the charge was posted back. Security operations is open only Mon through Friday between XXXX XXXX to XXXX XXXX est so she advised I call during business day. I called the security operation on XX/XX/XXXX at XXXX XXXX cst on XXXX and spoke with a gentleman who advised that the charges were posted back incorrectly as the Investigator didn't investigate it correctly and he will open a ticket for management review. I called back again on XX/XX/XXXX at XXXX XXXX cst on XXXX for the status and spoke with XXXX who verified that he sees the notes in the system of investigation not being completed correctly and that the ticket has been opened for management review. I asked him when I should follow up again for a status and he said in about 7 days. I called today XX/XX/XXXX at XXXX XXXX cst and spoke with XXXX and asked her why was the fraudulent charge posted back on my account and how was it determined that I authorized the charge. She asked if I had the credit card in possession at the time the fraudulent activity took place and I told her no I didn't have possession of the credit card and that I never received it in the mail. She updated the notes in the system and said I will get an answer within 10 days. I also called CFPB and talked to the agent who asked me to mail the dispute letter in writing to Home Depot via certified mail and to file a complain on this website.
I believe I should not be held liable for the unauthorized charges in the amount of XXXX processed and posted on XX/XX/2019 on the credit card that I never had possession of. This was confirmed by their own customer service department on XX/XX/XXXX when they called me of this fraudulent activity. I had no knowledge of this charge or the status of the card as to whether it was in transit or lost in the mail and was informed about it by Home Depot themselves on XX/XX/XXXX.
I am just tired of following up and telling this story over and over and again and again for the charge I never authorized nor did I use the credit card as I never received it. I kindly request your intervention in this matter for assistance and resolution.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
|
| 01/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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My wife and I have long been account holders of Citi Bank checking and credit cards. In XXXX or XX/XX/XXXX, we received a fraud alert message from Citi Bank Gold. We immediately called Citi Bank Gold to verify that we did not make any purchases on this Citi Bank Gold credit card. The Customer Care Service representative confirmed with us that the Citi Bank Gold credit card would be CANCELLED immediately. At the same time, my wife and I cut up and shredded that Citi Bank Gold credit card, and threw it away in the trash. Also, and importantly we did NOT order and/or receive a new Citi Bank Gold credit card. We rarely ever used Citi Bank Gold credit card. This card was for emergency purposes only. From this moment on in XXXX or XX/XX/XXXX, we, XXXX and XXXX XXXX did NOT own a Citi Bank Gold Credit Card, therefore this Citi Bank Gold Credit Card did NOT EXIST.
Fast forward, we received a letter from Citi Cards on XX/XX/XXXX regarding making payments and losing charging privileges. I immediately called to ask what this was regarding, and the Customer Care agent was very vague and not helpful. I called another number several times to no avail, and was hung up on several times.
On XX/XX/XXXX we received a letter from Citibank Security Services that there are charges of {$13000.00} that will remain on our account. I immediately made phone calls to the Fraud division. The Customer Care agent said they would send this information to their supervisor, and that we would receive a call soon. NO CALL ever came.
On XX/XX/XXXX at XXXX my wife and I walked into the Citi Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX to speak to a bank manager to assist with this matter. The manager, my wife, and myself were all on a speaker phone conversation with a supervisor from Fraud Division, and requested for an immediate investigation. This supervisor would not detail the charges, and said it would take 30-90 days for them to reach back to us. NOBODY ever reached out to us.
On XX/XX/XXXX and XX/XX/XXXX we received similar letters from Citi Cards regarding these charges.
On XX/XX/XXXX at XXXX, I called and spoke to a supervisor named XXXX from Fraud division. Reference # XXXX. Even though this Gold Citi Card was CANCELLED, and NOT IN USE, XXXX said there were 56 transactions made on this NON EXISTANT GOLD CITI CARD from XX/XX/XXXX through no specific date. Charges that included XX/XX/XXXX over {$1600.00} at XXXX ; On XXXX XXXX, XXXX {$4600.00} at XXXX XXXX XXXX ; and XXXX XXXX, XXXX {$1100.00} at XXXX XXXX.
Also, charges included 19 XXXXXXXX XXXX order, and 3 XXXX trips.
Of course I asked for an immediate investigation. My wife and I live in a doorman building with surveillance cameras everywhere. If Citibank did an investigation they would track the XXXXXXXX XXXX orders and addresses, and also see if there was a delivery to our building and apartment. All deliveries occur in our lobby with cameras, and have to be signed in with our doorman. We have NEVER ordered from XXXX XXXX. We have never made purchases with our previous Citi Bank Gold credit card at XXXX, XXXX XXXX XXXX, or XXXX XXXX.
XXXX, the supervisor said he submitted the report to his supervisor, saying it would take up to 90 days for us to hear back. NOTHING!
On XX/XX/XXXX we received a letter from XXXX XXXX XXXX saying that XXXX XXXX XXXX has taken over that account offering us to pay a compromise of {$11000.00}. Therefore a collection agency was taking over.
On XX/XX/XXXX I called and spoke to XXXX XXXX from the Citibank Investigations Fraud Department in Florida. I explained all the detailed information that I explained to XXXX on XX/XX/XXXX. She said she can see these similar transactions, and would report this to her supervisor, and that it would take 90 days for us to hear back NOTHING!
On XX/XX/XXXX and XX/XX/XXXX we received similar letters from XXXX XXXX XXXX compromising us to pay {$8800.00} charges.
On XX/XX/XXXX at XXXX I called and spoke to XXXX XXXX in South Dakota XXXX a supervisor from Security Operations XXXX XXXX seemed to be the most helpful, and we thought this would finally get resolved. He said he was sending this investigation report to his superior XXXX XXXX, and that we would receive a phone call within 5-7 business days. NOTHING!
On XXXX XXXX, XXXX, and XX/XX/XXXX we received letters from XXXX XXXX XXXX. Reference # XXXX, XXXX XXXX, XXXX compromises that we can owe {$8800.00}.
This experience has been exhausting to my wife and myself. In XX/XX/XXXX, we received a high credit score of XXXX. We were in the process of purchasing a second home. We decided to not purchase, but were in talks of refinancing our current condominium in XXXX, New York. We have always been stellar in paying all of our bills. We never owned money to any credit card companies. Through XX/XX/XXXX, we have had EXCELLENT CREDIT.
We NEVER purchased anything on this Gold Citi Card in the year XXXX and beyond. This has affected our credit score, and the ability to refinance our home.
It is obvious that there was NEVER an investigation after XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
|
| 10/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Citi ( R ) Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX Attn : Citi Billing Inquiries - Disputes Re : Notice of continued disputed charges to Account No. XXXX DISPUTE XXXX Dear Citi ( R ) Cards Billing Inquiries -Disputes I am writing again to continue to dispute all charges to my credit card account by XXXX # XXXX. All XXXX charges to my account are in error because I did not purchase the items. All XXXX charges were due to fraudulent credit card activity.
Any current balance including associated interest on my account is from fraudulent purchase activity as described herein.
My credit card information was stolen and it was used by criminals to purchase a variety of items at various times from XXXX XXXX XXXX per my Citi billing statement.
I continue to attest with absolute certainty that neither I, nor anyone authorized by me, made ANY of charges or received any benefit.
These charges are clearly fraud and were made by criminals who obtained my credit card number illegally and used it to purchase ALL items through XXXX XXXX XXXX XXXX NC on various occasions.
NONE of the XXXX merchant 's responses are valid. Citi has shown absolutely no evidence that I placed an order for any of these items online and then picked them up at XXXX from a locker or by other means from any XXXX location.
There is clearly no proof produced by XXXX to associate me with making any of the charges. There is absolutely no basis for a decision in favor of XXXX : XXXX. There is no proof my legal Indiana government ID was used to validate any of these purchases at delivery.
XXXX. There is absolutely no evidence that I signed at delivery accepting any of these items. In fact, a person by the name of XXXX XXXX took delivery of the items. I have never made acquaintance with or associated with this person. He was never authorized to use my credit card, certainly.
XXXX. A fake customer address is listed on XXXX loading tickets. It is not my address, nor have I ever been associated with this address or anyone residing at this address.
XXXX. The email address used for delivery notifications is not my email. It is a fake and was used to make fraudulent online purchases. There is no proof I ever produced or owned this email address : XXXX XXXX. A fake phone number is listed on the XXXX loading tickets. I have I ever been associated with any phone number listed on the loading tickets.
XXXX. The IP address associated with the fraudulent orders is not associated with me and cant be associated with me. The IP is located in California. I live in Indiana.
XXXX. There is no photographic or video evidence of me picking up any of these items.
Again, I certify neither I, nor anyone authorized by me, made any of these XXXX charges or received any benefit.
I attest with absolute certainty that neither I, nor anyone authorized by me, made ANY of the following charges or received any benefit.
The following XXXX fraudulent charge list may not be exhaustive. The data was downloaded from Citi monthly statements. I reserve the right to add additional fraudulent charges found or identified to this fraudulent charge list.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement immediately.
|
| 07/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
On XXXX, I went to try and use my debit card at a convenient store for an energy drink. I was in the middle of my workday before realizing that my checking account was not working upon me logging into the app to confirm funds in the account. That is when I went to call the bank and realized my debit card and account information was not pulling up. I had to use my ssn which then they ( member services ) placed me on a long hold & would not tell me anything but to go to the nearest branch in which I did. Upon, sitting in the branch In the XXXX XXXX location I was address by there in branch member services and was helped by a gentleman. He tried to assist me as much as possible by calling the member services to get the reason for the account issues which he later told me they closed My account down for possible fraud. I asked what fraud and why wasnt I immediately notified via phone, text, email, letter on the mail before shutting my account down? I have been with citi bank for over 10 years and for them to close my account with no explanation but a possibility of Fraud. This is ridiculous and even the letter on XX/XX/XXXX gives no real reason which leaves me in the dark such as, Do I need take further measures into my own hands to protect my other accounts and credit cards?? How am I to know and then Citi bank did not only forcefully closed my accounts ( savings & checking a ) but also will not release my money to me leaving me with XXXX dollars. I cant even pay my rent for XXXX, My car note, my credit cards, gas for work, and food for my minor child and I! The Branch manager could not get any answers for me either nor would they grant him the ability to release any funds to me not even to pay my rent for XXXX basically leaving my son and I to be homeless! No food either! This ridiculous!! He was a really nice person, this branch knows me personally well as a regular. I am currently on the phone with them and asking them to release my funds and I demand answers but they keep telling me to wait for a letter in the mail. I was told at the branch it could take up to 30 days to close the account ( although the letter says they closed the accounts on XX/XX/XXXXXXXX XXXX however, while on the phone with the fraud prevention the man is saying its now 30 to 60 days which is XXXX. How are they going add and additional 30 days to the first 30 days they mentioned? Again, they are lying as the letter says I can contact them to have my funds sooner than the expected account closure date but now they are saying no but its on their letter saying to call them ( 3rd bulletin sentence under what you need to know. ) at this point, I feel they are stealing my money and leaving me with no answers to protect myself! This a severe hardship on me and my childs life. Let alone they are holding onto funds that dont belong to them and are refusing to assist me. I am currently on the phone and the fraud prevention guy literally lost/dropped my call upon asking to speak to his supervisor because I feel he was not assisting me as I needed to be. Forcing me to wait another 20 mins. If there is something going on- I should be fully aware not 30 or 60 days later! What if my credit cards are maxed out by a fraud because they failed to be formative with me which is my every right! I need my money to pay my rent! I received a lump sum for a car accident I was in XXXX, which I opened and placed into a saving to use for bills as a single mom & they steal that too!?! My payroll deposit went into account on XX/XX/XXXX which they accepted and will not return but the letter dated for XX/XX/XXXX so why are they accepting deposits on the closed account on XX/XX/XXXX? More money being stolen from me. The branch member services XXXX tried to get them to release that deposit to me on XX/XX/XXXX and they refused! I want answers and I want my money immediately that Citi bank has stolen from Me causing severe hardship and they are using as an investment interest for them to collect from our federal government. I know that banks use consumers money for their own benefit to collect their own interest. I need answers and I need my money before I am homeless with my minor child. How am I to get to work with XXXX money and gas?? I cant even borrow money from my mother whom passed away XX/XX/XXXXXXXX XXXX I need your assistance on this please, as every call Regarding my account has been on a prerecorded line and I am getting no where but to a homeless shelter! The prerecorded calls should be pulled by CFPB from all ends even with both Citi bank member services ( in the branch & main line. ) I am severely frustrated and they are leaving me with nothing to survive on! I cant pay any rent & utility bills. I spoke to XXXX a supervisor with the fraud department and she could not give me any information and she too gave me the go around. My eldest son is in XXXX serving our country in the XXXX so if they are concerned with him sending me money on XXXX for money I loaned him that is ridiculous. Which was my last transaction of him sending me back {$200.00} payment for the {$900.00} he borrowed to pay for their car note.
|
| 11/24/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I've been in talks with XXXX Best Buy regarding purchase and install of a home theater system since XXXX this year. We had a consult, they did a walk-through, work plan, budget and I paid a deposit of {$2800.00} toward the project.
On XX/XX/XXXX I signed the sales contract. XXXX Citibank Best Buy offers 24 mos. interest free financing for Best Buy card holders. The offer for this theater project was 36 mos. interest free.
On XX/XX/XXXX I reached out to Citibank Best Buy to request a credit limit increase for the Best Buy home theater system and install. I currently have a $ XXXX limit and {$300.00} balance on my Best Buy card. The PP for the theater system is $ XXXX. I asked for an increase to $ XXXX - only so upon increase I'm not bumped up against the limit ( prudent way to go ). Citibank Best Buy was giving me a hard time and I couldn't understand why. Eventually they asked how much I had in my cash/ saving account, to which I responded XXXX dollars ( less than the $ XXXX ). They then proceeded to do the increase to the exact X dollar amount I told them I had in cash. An increase to that amount came across as pointless, so I had a discussion with a supervisor there, citing the math showing I could comfortably pay the $ XXXX card balance off within the interest free 36 mos. At this time, said supervisor informed me that they too saw I could comfortably repay the card, that repayment wasn't the issue... and that beyond that, I also had a tonne of equity in my real estate ( which they said also strengthened my review ) ... but that rather the reason for their adverse action counter-offer was that I don't have sufficient experience handling a credit card with a limit of $ XXXX ( to them meaning 10 years or more they said ).
My problem is I don't see how this is sound and reasonable banking for the following reasons : 1 ) My credit history goes back to XXXX. As for high limit credit cards, my current credit limit between my cards is $ XXXX ( revolving ) and my utilization rate is 5.5 %.
2 ) The 2 highest card limits I have currently is $ XXXX and $ XXXX, respectively, ( totaling $ XXXX ). They're saying but I have had them for just over a year. True. But I've had cards before them and historically ( and currently ), I have constantly gotten calls from my CC companies trying to increase my limits to which I have always answered " NO '' because I don't see the point in having grandiose credit limits when I choose to only utilize 5.5 %. Now I'm being penalized for that? Penalized for being prudent and sound in my need and use of credit?
3 ) Then from a common sense credit standpoint, I struggle to see the logic in giving me interest free increase to the amount that I have in cash. In a scenario where, say, the Best Buy home theater project did cost what I have in cash, why would I go with their interest free financing over XXXX mos.? I'd instead just use my cash and repay myself instead of CItibank Best Buy. It then just defeats the whole point of offering interest-free purchase financing. In fact, if the CItibank Best Buy purchase financing wasn't interest free, I wouldn't even be considering them in the first place - I'd instead just get a home equity loan which tend to have low enough interest rates. But why would I go the interest route when Citibank Best Buy say they offer interest free financing?
4 ) I did get confused as to how ability to repay falls below experience handling a certain credit card limit in priority. The fact that I can repay the CC within the 36 mos. should matter more. And ... and ... in the very worst of worst case scenarios, if at the end of 36 mos. there is still, say, $ XXXX on the CC, I would then easily refi it at a relatively low rate with a home equity loan... BUT even if I didn't, and just did a balance transfer to my existing other CC so I'm not paying all that deferred interest, that would just mean my combined CC utilization rate will now be 17 %. 17 %.
5 ) Speaking of experience, it was my impression that another thing that meant more than history of CC, is history of handling term debt. Around XXXX I had 2 unsecured personal term loans from 2 of the largest banks in the U.S. totaling $ XXXX and paid those off within 48-60 mos. Before that a vehicle loan $ XXXX ; paid off. My mortgage I've had since XXXX, paying down just fine. This is just baffling.
So I utterly fail to understand how this is sound lending. And people that use credit prudently should not be penalized for doing so. I have a long credit history, a mortgage that's paying perfectly fine. I have XXXX late payments all my life having credit since XXXX. A tonne of real estate equity if we're talking worst case scenario of paying the CC off 100 % in 36 mos. Not to mention the offer is not for the CC to be paid off in 36 mos., it's pay it off in 36 mos. to keep the interest free promo. CitiBank Best Buy 's reasoning doesn't make sense, and while I wouldn't regard their actions as unfair lending practice, it certainly comes off as unsound and unreasonable lending practice. Can this be looked into and the reasonableness of this examined?
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| 08/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I submitted a dispute with what this company in XX/XX/XXXX for a dollar amount of XXXX what happened I ordered a engine for my XXXX from online from this Merchant before I purchased the engine I asked him how is the engine is it a good engine because it was used engine they told me that they pull the engine out of a used car and they do a full compression test to make sure it's a good solid engine before they sell it to a consumer they said that I have 90 days if I have any problems to return or ask for a refund for this particular engine after I purchased it so since this is a big bulky item I did make the purchase and I have them delivered straight to my shop the engine came to my shop within 21 days the shop charge me almost {$1400.00} to take the oil engine out and to put the new engine in once they put the engine inside the car the fire it up and it was smoking really really bad pitch black smoke why is this engine smoking he said all they do or all they did was take the oil engine up and put the new one in he said the engine is bad it's misfiring XXXX sold me the engine needs to come back and return it so I call the manufacturer or the people where I bought the engine from I told him what's going on they said they will have a manager called me nobody did call I email them or call them again finally they said okay they are sorry about the engine I asked him to please fix the problem they said the only thing they can do is have me take the oil engine out ship it back to Texas so they can send me a new engine out I told them you have told me that this engine was tested before shipment I also told him that the shop guy is going to charge me another {$1400.00} take the engine out and to ship it back to you guys and then another XXXX once I get the new engine and put it in the car that's ridiculous I told them I forgot there was no answer from them I called him several more times try to resolve the issue they did not want to call back or anything so finally I did a dispute with my credit card company about the issue the car company gave me the credit of {$1200.00} right away but 30 days into the dispute they took the money out I called my credit card Bureau I told him what's going on why did you resolve the dispute against me I'm still sitting here with a bad engine they're not trying to help me out the credit card company told me that they have tried to reach out to me and the engine is out of the 90 days warranty I told the car company that is not accurate I reached out to the engine people before the 90 days was out and I even send them a copy of the email that was spoken to them back and forth which proves the date after that the credit company put the money back into my credit account for {$1200.00} I was happy even though I start to find a new engine pay the shop more money to take the old XXXX out and put a new engine in I was so happy but two months down the line they took the money back out of my account and give it back to the merchant I called back the credit card company I said what the hell what are you guys doing they said well the manufacturer at call them and told them that I was trying to return the old core back to them I said no it's not true I'm trying to return back the faulty engine they have sent to me the old engine core is in hundreds of pieces because it overheated in any case my mechanic wants to charge me more money to pick up this faulty engine can you send me the new engine we want to test it out make sure it's good and once is good I will send you the old engine back and besides every engine has the VIN number printed right on the side the VIN number will match the receipt that I've got from you guys for this faulty engine so long story short my car company once again give back the credit to the manufacturer I'll call the cracker company today I told him what's going on they said we are going to reopen the case and continue on I called him it's been almost a year I open this dispute back in XXXX my car still sitting in my garage with a bad engine I'm out 2 times the amount not only the XXXX for the engine but the {$1400.00} that I paid the shop to put the faulty engine in so I can back and forth with the credit card Bureau they said they going to reopen the case and continue the investigation I'm really really disappointed because there are not trying to actually see the problem they just trying to believe whatever the XX/XX/XXXX the car is right here parked in my garage they're more than welcome to come take a look at it take pictures I can take pictures and I can email them whatever the case may be so that's why I found this dispute because it's been so long I've already made the payment of {$1200.00} to the credit card company cuz I don't want them to send a bad report to the bureau or a late payment to the credit card Bureau I'm hoping that she has to please help me out here I'm really frustrated I don't know what else to do I called the car company and seems like they don't want to listen that they don't want to look at the documents that sent them they just want to resolve the case but not in my favor
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| 05/14/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
Older American |
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In XXXX of XXXX my identity was stolen and was used to withdraw funds from all of my bank accounts, which included XXXX XXXX XXXX, XXXX, Citibank and XXXX. This started XX/XX/XXXX with my XXXX account. On XX/XX/XXXX I was admitted to XXXX XXXX XXXX hospital for a medical emergency and was there for three days. When I was discharged ( XXXX ) I was unaware of this fraud. On XX/XX/XXXX I had an appointment at XXXX XXXX XXXX to follow up on my medical problem. After leaving the clinic I went to the nearby Citibank to withdraw funds for my upcoming XXXX electricity project. At the teller window I asked the person to give me the balance of my checking and savings accounts. The balance was a few cents in each account. I was shocked and immediacy said to the teller " there must be some mistake, this can't be my account ''. My account had {$16000.00} in checking and XXXX in savings. a total of {$31000.00} The teller assured me that this XXXX my account. I was feeling faint and like I was going crazy. I went over to the desk were the bank officers sit and had a talk with the branch manager and told her my story.
As she checked things, she determined that I was a victim of identity theft and that criminals stole all of my money. I was with her for more then an hour as she investigated the details. I went home devastated. Immediately I started checking my other bank accounts and sure enough they had been attacked too. I quickly changed the sign-in and passwords of all my accounts. Subsequently XXXX refused to honor my claim and I filed with your consumer finance protection bureau, claim number XXXX. After a battle that lasted many months they returned my money in about twelve days! Thank you CFPB It is XX/XX/XXXX and all of my banking accounts have been resolved except for Citibank, They have been stringing me along now for close to nine months with a remaining balance of {$1400.00} that they say I owe them. Numerous times the bank manager, has interceded to them on my behalf, and numerous times I was led to believe the money was going to be returned. To this date it has not. So without going into minute detail ( see attached Transaction Activity ) The perpetrators did wire transfers below {$10000.00} in most of the transactions. It was a total of {$31000.00} that was stolen. Citi bank did come around and did give me back {$29000.00} with {$1400.00} subtracted, they refused to recognize the {$1400.00} that was transferred to XXXX. Citibank claims that I fraudulently did this myself, and Citi produced documentation from XXXX saying I transferred these funds to them ( see exibit A ). About 4 or 5 times I appealed to Citi about this, they knew I was the victim of identity fraud and that's why they did refund most of my money {$29000.00}. But for some strange reason that I can not understand they refuse to see that this too was part of the scam.
On XX/XX/XXXX knowing that all my funds were present in my savings and checking accounts in the amount of {$31000.00}, I withdrew all of my money, the {$1400.00} was in this amount On XX/XX/XXXX Citibank provisionally credited my checking account {$1400.00} On XX/XX/XXXX They told me the {$1400.00} was not honored and that It will be will be deducted from my account, but since I emptied my account on XX/XX/XXXX all they grabbed was {$7.00} XX/XX/XXXX Citibank tells me that my account is overdrawn in the amount of {$1300.00} they asked me to make a deposit as soon as possible to cover this negative balance.
XX/XX/XXXX in response to my second appeal to them they referred to bogus documentation ( see exibit B ) supplied to them from XXXX proving that I indeed transferred these funds to XXXX, prior to this Identity theft I never even heard of Robinhood! I have no account with Robinhood! Citibank advised me that I was entitled by law to receive copies of the information that was used in this investigation, and although I requested it, it was never given to me to this day.
XXXX XXXX XXXX I appealed to them again.
XXXX XXXX XXXX They wrote me back saying ... Regarding case number XXXX " we contacted the originator in an attempt to recover the funds on your behalf. The documentation from the originating bank XXXX XXXX XXXX confirmed your authorization, which we have enclosed for your records. Therefore, we are unable to honor your request for reimbursement '' " Please contact the merchant XXXX XXXX for reimbursement '' Citibank sent me the same bogus documentation that they sent in the previous denial.
Summation : I did receive this {$1400.00} when I withdrew all of MY funds on XX/XX/XXXX The issue is that the bank is demanding that I give back my money to them. Holding me to this can ultimately effect my credit score in a very negative way. Plus Citibank could do other legal things regarding this disputed claim. Citibank lost my money, they are unjustly coming back at me, telling me I should contact XXXX, something that is impossible anyway. They have no telephone number. Citibank knows I have been a victim of identity theft. I want them to correct this travesty. I have included supporting documentation.
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| 07/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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To : whom it may concern Subject : Transaction dispute- Items not delivered by seller Date : XX/XX/2020 The following details the purchase transaction with the vendor as well as the steps taken to resolve the issue with the credit card company * On XX/XX/XXXX : Placed an online order for {$12000.00} from a vendor in XXXX XXXX On XX/XX/XXXX : Three days after placing the order, we requested the supplier to cancel the order and process a full refund.
* On XX/XX/XXXX : the vendor responds acknowledging our order cancellation request and explaining some challenges in reversing the transaction * On XX/XX/XXXX : the supplier follows up on his previous communication informing us that he had sent a request to his bank and that he would let us know once his request was approved.
* On XX/XX/XXXX : the vendor informed us that he is unable to refund the money due to the fact that in XXXX it is too difficult to send US dollars to other countries and asks us to instead proceed with the order *On XX/XX/XXXX : we replied stating that we were not in need of the order. We also recommended other venues to send the money. As a last resource, we informed the supplier that we would dispute the transaction with the credit card but we made it clear that we did not like that option due to the possible negative consequences on his end * On XX/XX/XXXX : the vendor responds stating he does not have a veem account and once again suggests we un-cancell our order *On XX/XX/XXXX : We replied trying to make the supplier aware of the negative impact of a charge back. We also made sure he understood that we were willing to be very flexible in order to get the money refunded : 1 ) We were willing to assume any transaction charges we would incur, and 2 ) We were willing to split the whole refund into several transactions sent over several means ( XXXX, XXXX, XXXX XXXX, etc ) *On XX/XX/XXXX : The vendor acknowledges our message and informs us that he would try to get help from underground banks *On XX/XX/XXXX We contacted the supplier for an update.
*On XX/XX/XXXX the supplier replied that he would not refund the money and that he hoped we would move forward with the order. This was our last attempt to get refunded and subsequently we proceeded to dispute the transaction with the credit card.
*On XX/XX/XXXX : We filed a transaction dispute with the credit card company.
*On XX/XX/XXXX : A conditional credit was applied to our account for the total amount of the dispute.
*On XX/XX/XXXX : We received a letter from the credit card company dated XX/XX/XXXX by which the credit card company requested additional information. The letter stated a deadline to provide the requested information by XX/XX/XXXX. Here is the information requested : 1. Specific details concerning this claim 2. Attempts to contact the merchant to solve the claim 3. Specific information regarding what was purchased 4. Copies of all documentation pertaining this transaction 4.1 Invoice 4.2 Emails *On XX/XX/XXXX, we replied to the bank 's letter providing all the information requested. We provided the information via the means they provided : email and fax. Our response included a total of 16 exhibits that documented points 1 through 4.2 above.
*On XX/XX/XXXX, the conditional credit on our account was removed and the total amount in dispute was added to our credit card balance {$12000.00} *On XX/XX/XXXX, we received a letter dated XX/XX/XXXX from the bank stating that : 1. Now that the investigation is complete we have re-billed your account for this charge along with any related fees and interest charges. All adjustments will appear on your statement within two billing cycles.
2. Additionally the status on my online account stated : this case has been resolved in favor of the seller.
3. The letter also indicated that if I wanted to reopen the investigation I needed to submit information that had already been provided in my XX/XX/XXXX letter.
* On XX/XX/XXXX we replied stating that : 1. The requested information had already been submitted on XX/XX/XXXX but nevertheless we re-submitted the requested information.
2. We asked for an explanation of why our case had been closed with no good cause or explanation.
3. We also asked them to provide any communications with the seller that provided substantiation to their decision. Specifically we asked the bank to provide the sellers reply to our claim. Did the seller refute our claims? Are the sellers claims stronger than ours? Did the seller prove that the goods were actually delivered?
Today is XX/XX/XXXX, it has been more than 90 days since we disputed this charge and : 1. The credit card has not provided any explanation as to why our dispute was closed in favor of the seller on XX/XX/XXXX.
2. The credit card company has not provided any communications with the seller that support their decision to close our dispute in the seller 's favor.
3. The dispute remains open.
We ask that this case be investigated as we believe the credit card not has violated our consumer rights but also has violated several FTC and CFPV guidelines.
Thanks.
XXXX
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| 11/16/2023 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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XX/XX/XXXX Citibank Dispute Resolution XXXX Dear Sir/Mam, Good day, during the period XXXX XXXX I have had XXXX loans originating and/or serviced by Citibank.
XXXX. XXXX XXXXOriginal Note date-XXXX XXXX XXXX XXXXsold to XXXX
XXXX. XXXX XXXXOriginal Note dateXXXX $ XXXXsold to XXXX
XXXX. XXXX XXXXOriginal Note dateXXXXXXXX XXXX XXXXSold to XXXX
XXXX. Loan XXXXOriginal Note date XXXX XXXX XXXXsold to XXXX
XXXX. Loan XXXXOriginal Note date XXXX $ XXXXsold to XXXX
XXXX. Loan XXXXOriginal Note date XXXX XXXX XXXXServiced by XXXX.
XXXX. Loan XXXXOriginal Note date XXXXXXXX XXXX XXXXServiced by XXXX
XXXX. Loan XXXXOrignail Note date XXXX XXXX XXXXServiced by XXXX
On or about XX/XX/XXXX, The Consumer Financial Protection Bureau ( CFPB ) today acted against Citibank , N.A . for student loan servicing failures that harmed.
borrowers. Citibank misled borrowers into believing that they were not eligible for a valuable tax deduction on interest paid on certain student loans. The company also incorrectly charged late fees and added interest to the student loan balances of borrowers who were still in school and eligible to defer their loan payments. Citibank also misled consumers about how much they had to pay in their monthly bills and failed.
to disclose required information after denying borrowers requests to release loan cosigners. The Bureau is ordered Citibank to end these illegal servicing practices, and to pay {$3.00} XXXX in redress to consumers and a {$2.00} XXXX civil money penalty.
Citibanks servicing failures made it more costly and confusing for borrowers trying to pay back their student loans, said CFPB XXXX XXXX XXXX. We are ordering Citibank to fix its servicing problems and provide redress to borrowers who were harmed.
For the student loan accounts that Citibank was servicing, the Bureau found that Citibank misrepresented important information on borrowers eligibility for a valuable tax deduction, failed to refund interest and late fees it erroneously charged, overstated monthly minimum payment amounts in monthly bills, and sent faulty notices after denying borrowers requests to release a loan cosigner. Specifically, the Bureau found that Citibank : As a direct result of inaccurate advice and failure provide accurate or timely information on these loans, we have had collections account negatively affecting our credit for several years and have spent countless hours going back and forth attempting to locate and rectify these issues. These issues have been directly identified in the CFPB settlement.
To date, only XXXX ( XXXX ) of these loans ( XXXX and # XXXX ) that have either originated or serviced by Citibank during the period XXXX as referenced by the legal CFPB settlement listed above have been addressed. All other loans that were held or serviced by Citibank have not been addressed to date.
In a recent conversation with a Citibank representative by the name of XXXX XXXX XXXX I was again mislead and advised that I only had XXXX loans originating during this period which was incorrect.
She stated that the only loans I had originating at Citibank were loans listed as follows : # XXXX Note date XXXX XXXX XXXX Note date XXXX XXXX XXXX No note date provided.
The representative also listed that these loans may have been sold. However, these loans were all serviced by Citibank within the XXXX period and subject to the CFPB legal settlement.
As to this issue, we can testify that we have made several attempts to get this rectified. Initially we were never advised by Citibank that these loans were sold. In addition, when we continued seeking clarification we were again inaccurately advised or in some cases not advised as to when these loans were sold or where they are. In our last communication we provided this information and was again incorrectly advised that the loans do not fall within this time frame, and we have not been misled. The representative advised that Citi bank would be removing all negative tradelines and these accounts from my credit reporting as did with XXXX of these loans already. However, this has not been done to date.
As each of these loans are within the scope of the CFPB settlement and we were misled with wrong information on numerous occasions were asking to remove the balances of these loans as per settlement and correspondence prior. Please send rectify the balances on these loans listed below that were serviced by Citibank within the period of XXXX and have all negative tradelines removed from my credit report. I have attached all correspondence for reference.
XXXX. Loan XXXX-Original Note dateXXXX XXXX XXXX XXXXsold to XXXX
XXXX. XXXX XXXXOriginal Note date-XXXX XXXX XXXXXXXXsold to XXXX
XXXX. XXXX XXXXOriginal Note dateXXXXXXXX XXXX XXXXSold to XXXX
XXXX. Loan XXXXOriginal Note date XXXXXXXX XXXX XXXXsold to XXXX
XXXX. Loan XXXX-Original Note date XXXXXXXX XXXX XXXXsold to XXXX
XXXX. Loan XXXXOrignail Note date XXXX XXXX XXXXServiced by XXXX
I can be reached at XXXX XXXX XXXX and happy to provide all correspondence I have with the company.
Sincerely, XXXX XXXX
|
| 06/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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|
Web |
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I protect my credit file. On XX/XX/XXXX I unlocked my credit reports. Since I protect my online identity, I use a VPN for privacy and was logged in at the time. I then applied to Citibank for a Citi Prestige. My credit file was hit with a hard inquiry : XXXX Cbna Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX.
I received an email stating the application needed 7-10 days to process. I called several time over the week to finally receive a letter stating " Notice of Incomplete application. Reason, we could not verify the accuracy of the credit information on your application. In order for us to continue processing your application, please call us at XXXX, XXXXXXXX XXXX - XXXX, ET, 7 days a week. Have the reference number listed above when you call '' ( reference # or application ID XXXX ).
Upon calling the number and providing the reference on XXXX @ approximately XXXX, I was asked my name and birthdate ( XX/XX/XXXX ). The operator indicated that the birthdate did not match and they will speak to someone ( There was a correction to my birthday on my credit file, which was off by one year - this correction happened over 5 years ago ). When the operator returned, he stated that they could not verify my identity and I would have to reapply. I asked for additional methods of verification as I have high government clearance and am more than happy to provide more proof of self. He stated that because the IP address was from a known fraud computer ( my privacy VPN ) they need more information, but would not provide why or what specifically denied me.
This seems to be a discrimination against those who demand cyber anonymity and takes steps to ensure it. When asked for the specific reason for denial, the statement was, " We can not verify you, and we can not share what we use to verify you. '' This clearly falls into a vague statement, citing the Equal Credit Rights site XXXX XXXX XXXXXXXX # apply Under - You also have the right to " Know why your application was rejected. The creditor must tell you the specific reason for the rejection or that you are entitled to learn the reason if you ask within 60 days. An acceptable reason might be : your income was too low or you havent been employed long enough. An unacceptable reason might be you didnt meet our minimum standards. That information isnt specific enough. '' I then asked for a manager and was directed to XXXX ( a supervisor and the highest level that can accept calls ). ( Later I asked for XXXX 's supervisor and contact information and was told only administration was above him and they do not take calls ) I stated my concerns and pointed out my reasons for using a VPN, along with the extra measures I take to control my Credit Reports ( locking/unlocking ). Restated the problem and asked for additional means to be verified. I was told the same response, " We can not verify the application and therefore deny it. '' Again, I asked specifically why my ID can not be verified and offered my ability to provide proof of self in many other ways. Again, responded with " We can not share why your identity can not be verified or what is used to verify your identity ''. ( I just want to state, on numerous background checks, it is very clear what information is used to verify you and what issues deny any verification or clearance issue. This statement seems unfair and unjust ) Additionally, I stated concern, as I already have a hard inquiry and my research in Citi Prestige showed commonly that if a prospect applies to Citibank more than once with 30 days the application would be denied.
I pointed out the hard inquiry and if they could not verify me, that they would need to remove the hard inquiry as this is suspected fraud on their side. So I asked for the inquiry to be removed so that I may have a fair assessment of my credit without the erroneous ( in their words, " known fraudulent '' ) activity. Instead I was clearly told, " The application is genuine and therefore the inquiry can not be removed. The application is unverifiable and therefore denied. This is clear and can not be changed by anyone. '' This again seems both unfair and unjust. This is discriminatory in that someone who has not been disclosed that cyber anonymity from cyber predators will be denied credit. In addition, if they are citing unverifiable identity it is unfair and damaging to mark a credit file with a hard inquiry. ( In the perspective of fraudulent application, if Citibank or any other creditor is citing unverifiable identity/application as the reason for denial, the spirit of the law should not allow for questionable inquiries on a credit file ) I would like to pursue a class action suit against Citibank for this discrimination.
I would also like to pursue a class action suit agains Citibank for questionable derogatory inquires on credit files as a practice. This is mean spirited at best and the law needs to prevent such inaction by Creditors as hard inquires needlessly drop credit scores and increase interest rates. This by nature benefits banks and is a conflicting policy in the above situation.
|
| 11/17/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
Around XX/XX/XXXX, there was a heatwave in the greater XXXX XXXX California area, which cause a short in my refrigerator resulting in spoilage of all of my food. As a result, I had to open up a new Sears Credit card to purchase a new refrigerator, replace the spoiled food, and since traveling on bus, a luggage cart to carry the newly purchased food home in. I was able to use my newly opened Sears account at Sears and XXXX. So on XX/XX/XXXX I first went to XXXX to purchase my food and luggage to carry it in. They too suffered from a power outage due to the heatwave and it was reflected in the short fuses in the form of patience that of many of the sales associated. My purchase amounting to {$260.00}, was rung up by the XXXX manager named XXXX. It was written all over her face that the heat had gotten to her also.
While walking up to the Sears in XXXX to next purchase my new refrigerator, a Sears Credit Card Fraud Specialist calls me and ask me if there was any suspicion activity on my card. I replied : " No. '' A few days later, I am order via email from Sears that I have been issued a new card and to destroy my old one. I called and asked why. After pulling it out of so many ducking and dodging Specialist, like I was pulling teeth, I was finally informed by the Sear Specialist XXXX, that on my very first purchase, the manager ringing up that purchase, called the purchase I had made in to the Fraud Department as a credit card fraud and that the card should be shut down immediately. In other words she accused me of credit card fraud with my own card! Only because I was an XXXX woman I reported the discrimination, requested an investigation be done. One was opened.
Only for with the final words : " It is a he-said-she-said thing '' to illegally close down what then transformed into a RICO, racketeering coverup. All due to the shallow investigation of the XXXX Claims Rep. XXXX XXXX. Because, though purporting to the a neutral Claims Representative who cared about the oppress, his conducting his veneer of an investigation really proved him to be, the powerful millionaire XXXX XXXX XXXX little fixer.
Which RICO crimes that he committed against me only further set me up for an avalanche of RICO criminal acts at the hands of countless Sears and XXXX employees, managers, in an environment turned hostile by XXXX 's stalking, and inciting others including security guards to join her. To be climaxed wit some of her fellow XXXX managers illegally calling Security on me right after I had paid on my Sears Credit card. Only for after stalking me for a little while, that security guard to call the police on me. Then weaponize the two very kind police officers who were just responding to a call of danger, that XXXX security guard called into the police station a No Trespassing order on me. Then put the two kind officers up to giving me the orders that since a " No Trespassing order had been called in on me by that security guard, I am to leave the property, never come back on it and if I am ever caught on the property, the police will arrest me.
Being a Legal Mediator, with the attempt to make peace first, I first contacted the property manager, then the property owner to inform them the legal danger that the Sears Holding employees and that Security Guard had placed them in. The gracious property manager immediately got in touch with the supervisor of the security guard. That supervisor called me, arranged to meet with me at XXXX, apologized and as a token of remorse, gave me a {$100.00} gift certificate. What is {$100.00} compared to RICO property forfeiture? But it was my intent to make peace. It was the thought that counted. I accepted it. We parted in peace. Peace was also made with the property owner as I notified him in a letter. Yet, the wanton reckless bad attitude was still maintained by Sears XXXX when I contacted the claims reps CEO and suddenly another shallow investigation was opened and closed. With the final email to me placing the to blame for the security guard 's actions, on the very property owner who initiated the peaceful meeting between me and that security guard 's supervisor. Who told me that the security guard quit, because he knew he was going to be fired for calling the police on me.
It was due to that reckless attitude and conduct, that I had decided to give Mr. XXXX the ultimatum to meet my request of my settlement out of court, ( because I felt sorry about all of the Sears closures and potential bankruptcy ) or I will pursue with a Civil RICO Lawsuit against him. Until then, even though I really enjoyed paying it, I had resolved to refuse to pay another penny on my Sears credit card account. Which I only decided, because of how powerful Mr. XXXX is and how I have learned the hard way of the infestation of crooked claims reps who are nothing more than pocket fixers for the highest bidder and the one " with the most toys and money. '' And I do not intend on being sucker by another one of them ever. by trusting they care about me, as the tip the scales of justice in favor of " fat pockets ''
|
| 08/15/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
|
This complaint regards the Best Buy Credit Card, which was originally financed through XXXX, then XXXX XXXX, and now Citigroup, Inc.
When I originally opened my Best Buy credit card account circa XX/XX/XXXX, I enrolled in a financing program that was advertised as " Same as Cash ''. Essentially, I could make payments toward my purchase WITHOUT paying interest. Without informing me in writing ( or otherwise ), there was a " hidden '' caveat that came with enrolling in that " Same as Cash '' program. That is, by enrolling in the " Same as Cash '' program, I was ALSO - and WITHOUT my consent - being AUTOMATICALLY enrolled in the " Debt Protection Program. '' As I NEVER opt to purchase Debt Protection ( as it is useless, and practically a scam in my opinion ), had I been informed of this automatic enrollment in their debt protection program, I would have declined the offer and NOT opened a Best Buy Credit Card account. Further, my statements did NOT show that I was being charged for Debt Protection fees while the account was with XXXX or XXXX XXXX. In fact, it wasn't until recently ( circa XX/XX/XXXX/XX/XX/XXXX ) that I FIRST noticed the Debt Protection fees showing on my Citigroup statement.
To make matters more complicated, I had also purchased insurance for the phones that I bought from Best Buy in XX/XX/XXXX, so I originally thought those monthly fees were related to my phone insurance. As soon as I REALIZED that these were Debt Protection fees, I IMMEDIATELY terminated my enrollment in their Debt Protection scam. That was circa XX/XX/XXXX.
I had been wondering why my monthly credit payments ( which were ALWAYS 125 % of the minimum payment ) were BARELY lowering my total balance. And, now, at least 50 % ( i.e., {$1000.00} ) of my total balance is comprised of these historic Debt Protection fees. This is affecting my credit score, and now I am stuck between a rock and a hard place because I do NOT want to pay for these debt protection fees, but I also DO want to pay for the items I legally purchased ( financed ) with this card ... I was thinking of paying what I owe, and then let them send the other {$1000.00} to collections ... But, I don't deserve a blemish on my credit score for this - I'm hoping the CFPB can help me!
So, I have been researching this issue since XX/XX/XXXX ... I learned that I was not alone, and that MANY others had been defrauded and financially injured by these deceptive practices with the Best Buy credit card. I also found an article ( https : XXXX ) that discussed the CFPB's/Citicorp 's consent order to have Citibank pay back $ XXXX to its defrauded consumers and $ XXXX in fines for these deceptive practices ( i.e., File # : XXXX ) ( https : //files.consumerfinance.govXX/XX/XXXX). Reading the article REALLY inspired me to act!
Subsequently, I took that information and began an email and telephone campaign to have my Debt Protection fees refunded by Citigroup. I have contacted Best Buy, Citigroup AND their third-party Debt Protection program at least 6 times, each, since XX/XX/XXXX ... Each time I contact one of these entities, they deflect and re-direct my calls, and no one can seem to give me a straight answer. The Debt Protection company has claimed that they have " escalated my request to their Dispute Resolutions Department, '' but they REFUSE to let me speak to anyone in that Department. They said in XX/XX/XXXXthat they would contact me in 30 days, and here I am in XX/XX/XXXX writing to the CPFB.
Best Buy says that Citigroup is the only one authorized to make the refund ... Citigroup says that their third-party Debt Protection company is the only one authorized to make the refund ... Then, the Debt Protection Company says they are waiting ... and waiting ... and waiting ... for a response from their " Dispute Resolutions '' Department ... So, I ask for a phone number or email for someone in that department, and they say they are not allowed to provide that information, and that consumers are not allowed to contact that department directly ... REALLY?!?! I just want to confirm that you are ACTUALLY processing my request! Even after I reference the CFPB/Citi consent order, and mention that I am considering contacting an attorney to sue for additional damages, they STILL won't directly respond to my requests for a resolution ... They won't even say they are denying my request for a refund! Here they are, AGAIN, INTENTIONALLY employing these deceptive and misleading practices to make consumers throw up their hands and quit! Well, I refuse!
Clearly, they have established a " closed-loop system '' that disallows consumers from resolving their issues WITHOUT government and/or legal assistance from an attorney.
I told Citi that all I wanted was the Debt Protection fees refunded, but I feel as though I should be hiring an attorney and suing for additional damages due to their intentional mistreatment and misdirection. They have mislead me and stalled me for long enough.
As I submit this official complaint, I am also contacting attorneys to see if they want to take my case.
|
| 02/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Starting in XX/XX/XXXX.
I was trying to find a way to deal with my credit card debt, that was about XXXX at the time and was up to date at the amount I called to inquire. It was right before covid really hit, I could not see how I could keep it up. I signed up through XXXX, who identified himself as a financial advisor from XXXX XXXX ( He also used the name XXXX XXXX ). He was a convincing salesman. I could not find XXXX last name, the phone number he gave is XXXX. I have no emails directly from him.
XXXX XXXX are the people who signed me up with XXXX XXXX XXXX. XXXX XXXX was not mentioned in either conversation. Neither are actual Legal group. They did not help me in my lawsuits and tried to collect more money than I owed Citibank directly.
XXXX XXXX XXXX/ This link I recently found explains the tactic they used.
XXXX : XXXX XXXX set me up with XXXX XXXX XXXX as my debt consolidator. He told me XXXX was a legal group that knew how to talk credit card companies down to a lower settlement amount. The financial advisor claimed they could settle the debt for way less than I owed and I would not be paying those exorbitant interest fees. XXXX offered me a debt amount that reduced my total debt amount and assured me within a year and a half all of my debt would be settled and within two years my credit would be repaired.
They came to my house and I signed paperwork and gave them a voided check to set up auto withdrawals managed by XXXX XXXX XXXX. There is no transaction information on XXXX XXXX groups website I had to contact XXXX XXXX XXXX and they sent me documentation of the transactions that revealed they did not resolve the credit card debt and used over XXXX of my XXXX for fees. XXXX XXXX XXXX manages other bogus debt consolidation scams. They are the ones to go after. XXXX XXXX XXXX is one of many.
They advised me to not pay my credit cards and to send any correspondence I received by mail or email to an email they provided. I was told to block the numbers. They gave me the email XXXX to send anything received from the companies. ( I have all of these emails that I sent ).
XXXX Sign in : XXXX Password : XXXX @ XXXX In XXXX Citibank contacted me that they were taking me to court. I called XXXX several times and they assured me they just are pressuring me so I pay them and dont take their offer. XXXX set me up with a local attorney, XXXX XXXX, to represent me in the case with Citibank ( the only paperwork I received from XXXX regarding this case was a handwritten court document that does not have his name on it ( see PDF ).
XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX of XXXX, PA XXXX After I received a message that the court found me responsible he had nothing more to say to me and no other documentation or receipt of our legal agreement. He told me to speak to XXXX XXXX XXXX. I asked them why they could not pay Citibank the XXXX they said they did not have enough in my account. I was told I only had XXXX in the account. Now they say I am in default of my payments to them.
I tried to work with a few lawyers who said they could not help because of the contract I signed, only a government agency could help me sue them.
I tried to work with Consumer Attorney XXXX XXXX but he reviewed the contract and when they had me sign a pile of papers to be able to work with the credit cards they had me sign a document that said I would not take them to court.
I trusted XXXX XXXX XXXX, they assured me they were settling my credit card debt for less than I owed, within two years and my credit would not be affected. I paid them over my mortgage many months so that I would soon repair my debt. I am now in danger of losing my home, none of my credit card debt is paid off and I am being sued by citibank twice and XXXX XXXX XXXX. I found a lawyer to arbitrate with the credit card companies and help me resolve the issue.
Meanwhile XXXX is sending me emails and texts saying I owe them money, they tried to add XXXX to what I was paying them to pay citibank yet they had no intention of paying them.
I paid XXXX per month for 23 months, of which XXXX waas used to pay for fees. My total paid is XXXX. According to their website under my account information it is said I have paid off XXXX worth of debt and I paid them XXXX.
XXXX is what was used on fees.
They charged me XXXX to resolve two debts that are not even completely paid off. They say they are in negotiations with other debtors.
The website is opaque and one is under the impression the money is being used, or was used, to pay off debt. There is no transaction history on the website, only what was drafted out of your bank account. I called XXXX XXXX XXXX and they sent via mail the account transactions. See PDF.
In order to see a transaction history you are directed to XXXX XXXX XXXX, who are the company who deduct the money out of my bank account monthly.
Cases I found online against XXXX XXXX XXXX. For the same thing.
https : //www.consumerfinance.gov/XXXX https : //www.consumerfinance.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/30/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I received my XXXX Macys bill showing a balance due of {$150.00}, due by XX/XX/2020. I used my XXXX XXXX online bill pay to initiate the payment of the full balance of {$150.00} on XX/XX/XXXX. The money was debited from my account on XX/XX/XXXX, and XXXX XXXX has indicated that the money was successfully paid to the vendor on XX/XX/XXXX. I received a mailed notice from Macys in XXXX that they had never received my XX/XX/XXXX payment, and that my account was subject to late fees. I called Macys approximately during the second week of XXXX and told them that I made the payment. I gave them the payment date and amount. They stated that the payment was not showing in their system, but I reassured them that I paid the bill in full. I received a phone call from Macys on approximately XX/XX/XXXX requesting that I make a payment. I told the representative that I had already paid the bill in full and that I already made them aware of this. They requested that I fax proof that the money had been debited from my bank account to XXXX. So I faxed them this proof ( including the screen shot from my bank, my name, address and Macys account number ) on XX/XX/XXXX. I received a phone call again at the end of XXXX requesting that I make a payment, to which I gave the same reply that I had already made the payment. Macys stated that I needed to file a formal lost payment dispute. They transferred me to another dept. where I again gave them details about the payment, date, dollar amount, my bank name, and routing and account number. I also re-faxed the proof that the payment left my account on approximately XX/XX/XXXX. On XX/XX/XXXX I received a paper letter from Macys saying that my payment dispute was still not resolved and that they had no record of my payment. I called Macys again and spoke to a customer service Specialist. I was told that I needed to have my bank fax them a payment transmittal form. I contacted XXXX XXXX in mid XXXX and let them know that Macys asserted that they never received my payment. Macys created an online bill pay case ID for this situation, and they faxed the payment transmittal to Macys on approximately XX/XX/XXXX. I received another paper letter from Macys during mid to end XXXX also stating that my payment dispute was not resolved because they have not received my payment. I also started receiving calls from Citibank ( on behalf of Macys ) during XXXX, where Citibank advises me that my account was unpaid and last due and that they were trying to collect payment from me. I explained to Citibank that I had a lost payment dispute in process with Macys because I had already paid the account in full back in XXXX. I called Macys and refaxed my payment proof for a third time at the end of XXXX. I received another paper letter from Macys with the same information that my payment had not been received. XXXX XXXX refaxed the transmittal approximately on XX/XX/XXXX. I still received numerous calls from Citibank in XXXX and XXXX. My calls to and from Macys provided conflicting information. Some Macys representatives told me that they had received the fax of my proof of payment and that I needed to wait 7 days for their system to refresh and remove all late fees and record the payment. On another call I was told I needed to wait 10 days, and on another call I was told I needed to wait 21 days. On some calls I was told that all the requisite proof was present and in my file, and on other calls I was told that whatever proof my bank sent was insufficient. When I asked what information was missing, the representatives told me that they could not answer that question, and that they had no contact information to the payment dispute document review department, so I was not able to get an answer to that question at all. On XX/XX/XXXX Citibank called me again requesting payment, and I explained that I had a lost payment dispute in process. This Citibank Representative told me that my account Notes stated that my dispute was closed for lack of payment as of XX/XX/XXXX. I told her that I just spoke with Macys on XX/XX/XXXX and they told me that dispute was ongoing and I resolved. She told me that I needed to call a Macys because her notes showed something different. I spoke to a Macys specialist on XX/XX/XXXX that stated that my dispute was still active, and that I needed to refax the information ( for what would be the FIFTH time now - since I already faxed the info 2 times and XXXX XXXX sent the transmittal twice ), and he told me that resolution to this problem could take up to 2 full billing cycles. I explained to him ( and countless other reps ) that I have been reaching out to Macys and providing everything and all documentation that was requested of me. I explained that I have been trying to get this resolved for over 3 months now, and that my credit score has taken a hit of approximately 100 points. I have literally done exactly what I was supposed to do, and I made the payment on time, and Macys has done nothing but provide me conflicting and inaccurate information and they have not resolved this matter.
|
| 02/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
This complaint is against Citibank and affiliated with its Citi AAdvantage card. This is the most difficult time of my life : I am old, with many serious health problems, alone, without money and on fixed income.
I needed money for myself and my family. Old people and sick people are inclined to believe that there are also people in our society that are ready to help. And very soon, in XX/XX/XXXX, a person who was taking care of the less fortunate, appeared and offered me financial help - a big winning check from XXXX XXXX XXXX that could solve my problems. But there was a catch : I have to pay certain fees to get the check delivered. The check was going to be delivered at the beginning of XXXX, then, the end of XXXX, end of XXXX and finally it was never delivered. However, the requirement for the money I had to provide never ended. First, this individual used up the money in my Bank account, when it finished, I had to take a {$25000.00} loan from Citibank and send it to him. Then he said he has " opened an account in my name in XXXX XXXX XXXX '' ( Routing number XXXX, Account number : XXXX, XXXX, Iowa, XXXX ) with {$40000.00}, so that I can start paying the credit card debts. I used efficiently the money to pay partially the credit cards. However, the same day, on XX/XX/XXXX, the checks were returned, because the bank declined the transactions. When the checks were blocked by the bank, the scammer started squeezing all my savings accounts. To all my complaints, the answer was that if I did not agree, he was going to donate the check to charity. After 6 months I was a sick, old and poor woman. Then, I had to withdraw my money outside Citibank : my savings and IRA accounts. Because this was not enough, he used my credit cards, including Citi AAdvantage and charged them to the top to make " more money ''. ( please see Attachment ) I insisted that he had to pay his debt and return immediately the cards but he didn't return them, nor he paid what he had bought, as he promised. The charges were done in XXXX, with XXXX currency and had a certain profile - building material. The person who bought the building materials was using hotels, restaurants and bars in XXXX. Because the cards remained with him for more than 6 months and I did not have anything to do with his purchases ( they were done behind my back ), my interpretation is that the card was stolen and used for fraudulent activity, something Citibank didn't recognize.
The system of Citibank is good to serve the bank but not its customers. When my money finished, Citibank closed my account without any warning on XX/XX/XXXX and almost immediately after that my on-line access. My accounts were paperless and as a result of this all needed for me information seized : activity in checking and other accounts. I was completely helpless. For a month I was calling all possible telephones of Citibank to clarify the situation but I was being transferred from one telephone to another, to a third and so on until my conversation was discontinued. I wrote a letter to Citibank on XXXX to explain the situation. No answer. Finally, due to XXXXwo exceptionally kind people I collected the necessary statements but understood pretty soon that Citibank has ordered collection of debt on my loans and credit cards. This was the last thing I expected from Citibank. My telephone started ringing 10 times a day for collection of debt. The creditors wanted to collect the money ( plus penalties and interest ) in two billing cycles. No question whether I could or not.
I received a letter from Citi AAdvantage card, regarding billing period : XX/XX/XXXX - XX/XX/XXXX with a new balance of {$26000.00}, payment due date XX/XX/XXXX ( account number ending in XXXX ). The disputed charges ( the charges of the scammer were labeled and I confirmed that these charges are not mine. Then I received another letter from Citi AAdvantage : XXXX XXXX XXXX, XXXX XXXX, SD XXXX, regarding additional charges on the card, ending in XXXX. All I was able to inquire was this was another fraudulent charge on XX/XX/XXXX for XXXX XXXX, altogether for {$1100.00}. Because of the blizzards in the XXXX, I was unable to answer immediately. Today I got a letter from Citi AAdvantage card saying that the information wasn't enough to resolve the dispute in my favor and they have reported to the credit services that my account is past due, e.g. charges for collection of debt.
All the charges listed in the statement sent to me in the previous letter, labeled as " Disputed charges '' were not mine. They were charges of fraudulent activity of the individual who stole my card, and never returned it or paid his charges. My fight was unsuccessful. These charges were done in the country XXXX with XXXX currency and have a certain profile. The person who bought this building material was using hotels and restaurants in XXXX. Only one of the charges - XXXX for {$18.00} on XX/XX/XXXX ( AR ) is mine and I will pay it. The charges on the credit card after XX/XX/XXXX are not mine. Please, don't consider me responsible for them.
|
| 11/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Debit card XXXX Mortgage acct : XXXX Credit card XXXX To start my pay went into my Citi checking account on XX/XX/XXXX of over {$2000.00} direct deposit. I went to the bank prior to withdrawal all my money. The branch manager would not allow me as he has a personal vendetta against me and unable to login. I was blocked. Not be wise I bounce checks or a fraud because this bank has millions of dollars of fines. They can not even service there own loans.
I left my job due to all the mental anguish The bank would. Ow all me access to my {$25000.00} in my business account and the branch manager kept putting fraud codes. I have a mortgage that I just closed on with Citi and they fudged the closing docs to not give me my {$5000.00} lender credit. I did not want t to close but threatened by them that I would lose my {$10000.00} Ernest money that also the branch manager held and did not allow me a dress to my own money. XXXX XXXX. He is really a dangerous person to knowingly withdrawal my {$2000.00} and keep the money. I never received it.
I can not pay my mortgage I ha e hundreds and hundreds of emails with XXXX XXXX XXXX CEO letting get know what was going on and did not want to close on this property. I ha e had a credit card for years s d years snd never missed a payment! Coti drnied me my XXXX miles this is why I opened this bank account. How can someone just steel my money and think is ok. How can someone change the closing documents and fudge numbers. How can all this happen. How can money that is free and clear in my account be held with fraud codes. This has cost me so much metal abuse, money, I can not pay my mortgage! Its my first mortgage payment. I called the OCC. its seems a sanction was just put against XXXX XXXX XXXX. Citi can not Servicer there isnt loans due to fraud and it seems the behavior is still going on daily.
I have perfect credit. I am left to file a Chapter XXXX and XXXX. I will not be abused any longer.
These people are vile, incompetent, and seem there fraud is allowed on a daily basis. The thousands of complaints, the millions paid in every area possibly this bank committed fraud.
XXXX corporate office said they never delivered anything to a locker. I have filed a police report.
I called customer service on XX/XX/XXXX and many times after provided my address that Citi is very well aware of. I have had a po box on my account for ten years. I closed on a property with this stupid bank and they did this on spite.
I hope your happy Citi Bank all the detrimental attacks you caused on me. What are you going to block me from my mortgage too! What a bunch of dangerous people. Block me from my mortgage. I have all my bank statements. Since day one they could not e en open up my bank account right. My miles. I have a recorded call from XXXX in Texas even stated how wronged I was. All because I paid two bill pays in one day. The rules did not stipulate any of the sort! The branch manager is by far so vile to not allow me to take out all my money only {$7000.00} not the rest of money. I have it on voice recording. I will fight until what is owed to me rightfully and ethically. I am going to file a XXXX and a XXXX because this bank cost me my mental health. Financially drained me of my money.
It seems Citi enjoys sterling and commuting constant fraud. Look at all the complaints. There similar to my complaints. XXXX XXXX was made aware when I was not able to write of check for my XXXX XXXX. The loan officer at Citi XXXX XXXX is very aware and provided me XXXX XXXX number. Yet I was ignored. XXXX XXXX also agreed because he had access to my bank accounts as I was obtaining a mortgage. This is a personal vendetta. Its also fraud and violating my rights. Yet I am blocked from logging in to the bank account yet I am not blocked from the mortgage. Go figure. I printed all my XXXX statements and took pictures when I logged in on XX/XX/XXXX. To show the {$2000.00} was withdrawn not by me! Yet XXXX the person assigned in the executive office simply as I said did you call the branch manager. Do you see I called and provided my address EIGHT times. Reissue a new check. XXXX was suppose to do that on XXXX I recorded my call. She obviously was stopped or someone intervened! I could not make any of this up if I tried. XXXX hung up and did not one thing to resolve the issue because she was told not too. This is a personal vendetta to ruin my financial credit and sabotage me. I have reached out to the director the CFPB and OCC and Citi is being investigated as I provided hundreds of emails documents if my mortgage. Names of people I dealt with. Photos of the fraud codes photos of every time I tried to take out money even and said sorry you over your limit even at a {$100.00} I want nothing to do with this bank and will go every legal route to get justice.
My H06 policy was never taken out of escrow. A letter was sent on XXXX. Loss mitigation documents said mailed XXXX received XXXX. Signed affidavit from USPS post mailman who been in the job 40 years.
I have reported this to XXXX XXXX CEO.
|
| 11/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
|
On a previous complaint, XXXX stated : ***** Because the documentation you provided was not directly from the merchants online advertisement or catalog, we contacted the merchant regarding the advertisement you provided and they were unable to verify that they advertised the lower price.
***** To fix this, I submitted another claim now directly from the merchant website.
Claim number is XXXX this time DIRECTLY from the merchant 's online website catalog, not from the app anymore ( even though the app is official merchant 's online catalog as well ).
This claim was also denied. The reason is also vague as the previous ones, citing price ca n't be verified.
The submitted price was a nationwide in-store only sale at XXXX. A simple XXXX search will confirm that. Even myself was able to purchase one for that price before.
Citi denied this price protection, just like all the other 3 claims I submitted with different prices and different stores. I submitted this claim to confirm my suspicion that Citi is denying all claims related to XXXX, even without proper research.
XXXX needs to explain why it is denying all and any price protections from XXXX, regardless if it 's the official website or their app. XXXX is not in the list of exclusions, however Citi is excluding it if the price difference is above a certain threshold, even though XXXX advertised the price and is valid.
XXXX HAS NOT released any notice that they are having pricing issues in their website and app, and the store HAS NOT removed the ad, which is STILL available in the website at the time of this writting. XXXX chat confirmed they are not having any pricing issues ( see below ).
Therefore, the denials from Citi are the only thing invalid.
It amazes me that Citi can deny as they please, and they do n't suffer any consequence from the government. The benefit is not being honored as written in the Terms.
I 'm looking for someone in the media to write a report about that.
XXXX XXXX : Thanks for chatting with XXXX! Im XXXX XXXX and Ill be assisting you today.
XXXX XXXX : Hi, are you aware of any pricing issues in your website and app for the past few days, showing prices that are not correct?
XXXX XXXX : Hi XXXX, Thank you for contacting XXXX. XXXX I 'll be happy to help you with your request, in this case may i have more information about this issue?
XXXX XXXX : I searched the inventory for a store, in fact the price is still available. I just need to know if the {$99.00} price is invalid, or if the price was set by the store. The link is : XXXX XXXX XXXX XXXX XXXX XXXX : i need a minute to verify this information ok XXXX?
XXXX XXXX : Thank you. I do n't need to know if it 's in stock or not. I just need to confirm if you are having pricing issues and if this price is not an error, but maybe just a clearance price.
XXXX XXXX : great thanks XXXX XXXX XXXX : thank you for your holding on me i already verify the information that you give me before and i work in this concern with our support team, and they let me know that this could be an offer placed by the stores currently to the XXXX Friday promotions, XXXX XXXX : in this case XXXX can not apply for the promotions in stores, because we have another type of offers, i apologize for the inconvenient, but i 'm happy because you let me give you this information XXXX XXXX : after this information may i help you with something else XXXX?
XXXX XXXX : I understand, I just wanted to know if you have anything there saying that this price was an error and is not valid. You do n't have that as I understood from your message, correct?
XXXX XXXX : sorry for the inconvenient, i got it right now, i apologize for the issue, but in this case yes all the prices are the correct ones XXXX XXXX : you do n't have to worry about some wrong price XXXX XXXX : Ok, thank you, today is XXXX XXXX 2017, correct?
XXXX XXXX : i check that too with our team support, yes that is right okay XX/XX/XXXX XXXX XXXX : Thank you XXXX XXXX : Do you have a reference number for this chat XXXX XXXX : may i help you with something else?
XXXX XXXX : Do you have a reference number for this chat?
XXXX XXXX : yes, i need a moment to get this number ok XXXX.
XXXX XXXX : Yes, thank you XXXX XXXX : i will give it in a minute, great thanks XXXX XXXX : this is the reference number for this chat XXXX if you have any question you can contacting us back with this number, may i help you with something else XXXX?
XXXX XXXX : No, thank you XXXX XXXX : You are welcome, I just understand your concern as a customer and wanted to provide you the best resolution to your case.
XXXX XXXX : Just as a heads up, it will be a survey through your email, the first question is to grade your experience using XXXX and the second one to qualify my performance, it will mean a lot to me if you may complete the part of my service.
XXXX XXXX : Id like to thank you for your business with XXXX, without it I wouldnt be here, so thank you. Thank you very much for contacting XXXX and have a wonderful thanksgivin XXXX!.
XXXX XXXX : You too, thanks
|
| 07/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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Citibank Allowed A Fraudulent and Unauthorized Wire Transfer of {$50000.00} from My Checking Account : I received a text on Tuesday, XXXX that appeared to be a fraud alert from Citibank. The text included a transaction reference number and a phone number, which I called. After asking this person to verify himself as a Citibank employee, he told me he would call back. I then received a call back from Citibanks main customer service number ( which we now understand was spoofed by the scammer ).
This individual convincingly presented himself as a Citibank agent, including running through the standard security questions and verification protocol that Citibank follows when speaking to a customer. He informed me that my personal checking and saving and a joint checking account that I share with my fiance had been compromised, and that for security purposes, Citibank needed to close all three accounts and transfer the money to new accounts. I spent several hours on the phone with the purported agent, and at one point the scammer gained remote access to my computer, under the guise of helping me navigate the transfer and account closure process online.
While I was on the phone, I received a call from a Citibank XXXX XXXX XXXX XXXX, alerting me to fraud on my account. I informed the caller that I was aware of the fraud alert and was speaking to someone at Citibank on the other line. I asked if I could continue speaking to that person or if I should speak to this new caller. She assured me that if I was already on the other line with someone at Citibank there was no need to continue with her. While I can not be sure, I am pretty sure that she was a legitimate Citibank employee.
When I informed my fiancee what was happening and mentioned the remote access, she called Citibanks main customer service line, through the Citibank app, to verify that I was dealing with a legitimate Citibank agent. The agent she spoke to confirmed that there was a fraud alert on the joint account, and offered an explanation for why the fraud team may need access to my computer. Based on that verification, I remained on the phone with the scammer, who ultimately effected a {$50000.00} wire transfer from my account to an account at XXXX XXXX ( XXXX ).
After the wire was initiated, I received an email and voicemail from a member of the private bank team, instructing me to provide verbal authorization of the transfer by the end of the day, or the wire would be cancelled. I never provided verbal authorization. At one point, I received a push alert on his phone from the Citibank app, and I clicked something to the effect of authorize. We have since learned form Citi that verbal authorization is required for a wire of this amount, and this type of digital authorization would not suffice to approve the transfer according to Citibanks own protocols. Nevertheless, Citibank completed the wire transfer without ever speaking to me. When we spoke to Citibanks fraud department later that evening ( after the fraudulent transfer occurred ), they informed us that there was never a fraud alert on any of the accounts. If we had been informed of that when we spoke to Citibank twice during the incident, we would have known to hang up on the scammer immediately, but unfortunately Citibank twice provided incorrect confirmation of a fraud alert which helped verify the scammer as a legitimate Citibank representative.
We spoke again to Citibanks fraud team later that night, who immediately froze my accounts and filed a dispute/hold on the wire. We were informed multiple times the evening of XXXX and morning of XXXX that the wire simply needed to be recalled by a wire specialist, and would not be able to clear my account in light of the dispute. However, when we spoke to a wire specialist on XXXX, he informed us the money had already been transferred to XXXX.
Citibank issued a recall notice to XXXX on XXXX. XXXX responded and froze the recipient account on XXXX. As of this evening, we understand that Citibank is still waiting for XXXX to provide further information, including whether there is any money in the transferee account.
We looped in the private bank team immediately after speaking to the fraud team on XXXX, and escalated the matter to XXXX XXXX, a Citibank Managing Director in the private bank, on Thursday, XXXX. She and the other members of her team have offered very little visibility into the process from here except that Citibank is conducting an investigation, waiting for XXXX and otherwise not able to do anything in terms of crediting the funds until the investigation is complete, which they said would take up to 60 days.
Ultimately, we had no means of determining that the party I spoke to was not a Citibank representative. In contrast, Citibank was well positioned to prevent this fraud, and failed to do so despite repeated opportunities to do so ( including in violation of their own protocols ). Accordingly, I expect to be credited for the fraudulent transfer regardless of the funds are recoverable from the recipient account.
|
| 02/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Hello, Summary : citi charged me interest fees & late fees on a fraud balance, didnt remove these fees even after the fraud was cleared, & processed to charge interest + late fees on this previous fees! Then sent this to collections agency!
... citi card I owned got frauded, was charged interest & late fees on this fraud amount ; when fraud amount was finally removed, the late fees & interest they charged on it & promised to remove was only removed for XXXX, not XXXX, leaving a balance of {$430.00} in interest & late fees in XXXX charged cuz of the fraud balance in the account. Then kept charging late fees + interest on this {$430.00} balance every month which then became {$890.00}. Of this amount, {$100.00} was a fraud charge from XX/XX/XXXX that was posted XX/XX/XXXX, on top of the {$430.00} in non waived fees.
.. then proceeded to send this compounded ball of fees they promised to waive they then charged even more fees on to a debt collection agency and said they no longer have access to the account, all the notes & conversation recordings are deleted.
Full story : I got a Citi XXXX card thinking it was a premium card with superior protections and service.
However starting XX/XX/XXXX, fraud starting showing up on the card. Citi did the responsible thing and locked the card and refunded the 3 instances of fraud.
However, to my total surprise, while the card was locked and I was blocked from accessing it, the fraud actually continued, and continued into XX/XX/XXXX, racking up close to ~ $ XXXX in fraud!
I had a prepaid cellphone plan, and citi thus couldnt verify Im the fraudster by phone, and needed to mail a verification, which they proceeded to send late such that I received only by XX/XX/XXXX.
I was finally able to get access to the account and thus request them to remove the fraud.
I highlighted on the statements which charges were legitimate and which charges were fraud.
I paid my balance, and they refunded the fraud ( which were all these weird charges made in XXXX and XXXX towns - I never left America ) in multiple steps, each time me having to call back to ask the remaining fraud amount to be refunded. At first {$3500.00}, & then {$5600.00} of fraud.
Finally by XX/XX/XXXX, I had paid all my charges & they seemingly would wipe out the rest of the account remaining which was fraud charges.
However, to my great surprise there was still a {$550.00} balance on the account at the end of XXXX / XXXX, in spite of me paying off my total amount and the rest being fraud they said theyd refund.
I soon realized what happened - they had wiped out the interest & late fees being charged on the fraud in XXXX, but did not remove the interest & late fees being charged on fraud amount for XXXX.
{$39.00} of late fees were charged on the fraud amount in XX/XX/XXXX, & another {$39.00} in XXXX. {$170.00} of interest in XXXX, & {$140.00} of interest in XXXX, & {$40.00} in XXXX.
.. this comes out to {$430.00}.
Then a fraud charge from XX/XX/XXXX was posted on XX/XX/XXXX for {$100.00} and was also charged. ( It was fraud cuz it was same merchant and transaction amount as fraud done in XX/XX/XXXX by this same merchant and amounts ). The fraud charge was labeled : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$540.00} is the amount that was then left on the account when the account shouldve been zero.
They then proceeded to charge {$39.00} of late fees for not paying these fees charged on fraud amount every month, and interest every month from {$11.00} to {$17.00}. Such that the balance ultimately came to {$890.00}.
Citi then proceeded to dispose this amount to a collections agency XXXX XXXX XXXX, and said my whole file & account and citi had been deleted.
So now I have a debt collector trying to collect money on interest charges & late fees charged on past interest charges & late fees, themselves charged for a fraud balance on the account!!!
Citi specifically stated that they would clear the interest charges & late fees charged on the fraud amount, and they did do that for the XXXX charges, but seemingly missed doing so for the XXXX XXXX to XXXX charges, and then beyond.
This is not money I owe or interest fees on money I owed Citi, but is from the fraud balance citi had on the account while I was blocked from it and they were investigating.
Its totally unfair and unethical to then not remove these fees and then send them to a debt collector who doesnt even realize this isnt money I owe.
I expect citi to examine the statements of my accounts, remove this debt, and inform XXXX XXXX XXXX as such.
An examination of the statements will show how I paid all the amounts that were my charges, the remaining amounts remaining were fees charged on the remaining fraud balance, and this now being sought as collections from XXXX.
Its a tragedy to have my credit report for the next 7 years to be sullied by a collections due to the lack of follow through, broken promises, and incompetence of Citi credit card XXXX XXXX XXXX XXXX.
|
| 11/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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This is an escalation to the NUMEROUS billing errors and notices of dispute I have sent to CITI BANK since XXXX of this XXXX, which your organization failed to respond to.I am writing on my own behalf, with no help from anybody or anything but the law available to all people of these United States of America. I am well aware that my consumer rights have been and continue to be violated.
From the start of the supposed business agreement, purported to be a contract, CITI BANK has engaged in fraudulent and abusive debt collection activities, infringing on my right to privacy and undermining my faith in the banking industry and economy as a whole, rights guaranteed to every consumer.
Every credit sale after XX/XX/XXXX is subject to consumers ' claims and defenses for unfair or deceptive acts or practices pursuant to 16 CFR 433.3. The credit sale I engaged in with CITI BANK is no exception.
Per the definitions in 16 CFR 433.1, CITI BANK is subject to consumers ' claims and defenses by way of being a seller. I, the consumer, was never apprised of the creditor 's business arrangement with the seller at the consummation of the original credit sale. Meaningful disclosure of the determination of the finance charge was not provided pursuant to the form of disclosure enumerated in 15 U.S. Code 1632.
Documentary evidence shall reveal that my obligation was fulfilled upon signing/endorsing the instrument, the beneficial and security interest of which were not disclosed to me. As defined in 16 CFR 433.1 ( i ), the instrument I endorsed is the consumer credit contract when it was hypothecated and collateralized to fund the credit sale. Many instances of noncompliance occurred when it was subsequently sold and/or assigned to multiple transferees and/or assignees without mutual assent, consent, and notice to me as I have controlling security interest, constituting fraud in multiple ways : 1. Absence of consideration ( I received a " thought '' for my security- no benefit. All contracts must have consideration to be valid ).
2. Absence of disclosure of all facts regarding the use of a promissory note and my signature, violating the U.S. Code 's Truth in Lending Act ( TILA ) and Code of Federal Regulations ' Regulation Z.
3. Absence of disclosure of data-sharing provisions in violation of the Gramm-Leach-Bliley Act ( GLBA ), without the option to decline the sharing of data with furnishers, agencies, or servicers, along with reporting.
4. Monetization of the originating instrument was not disclosed to me. I was not told about the process to monetize a security interest or the secured transactions which were to subsequently take place concerning my chattel paper.
5. Denial of disclosure of the banks relationship to the " trustee and beneficiary, '' amounting to concealment and voidance of the contract. The debenture trustee was concealed from me.
6. I have reason to believe and do so believe that there was forged alteration of the original instrument because it could not have been monetized without augmenting my blank endorsement, even via the use of a special endorsement.
7. My accord and satisfaction instrument, Postal Money Order # XXXX, was cashed ( see attached exhibit ) and the balance was not credited to the account pursuant to UCC 3-603 and UCC 3-311 . A formal notice of dishonor was not issued to me in the event of a defect or dishonor of my special indorsement.
I am aware that I am entitled to a refund of alleged repayments and damages of at least twice the finance charge for the violation of 15 U.S. Code 1635 due to my right of rescission never being boldly, simply, and clearly disclosed to me. I was never given a rescission form at the closing of the contract.
I have reason to believe and do so believe that CITI BANK is a creditor engaged in communication in violation of multiple cease and desist notices from me, and is in violation of debt collection consumer protection laws pursuant to 15 U.S. Code 1692c ( a ) ( 1 ) and 15 U.S. Code 1692c ( a ) ( 3 ).
As the consumer, I am aware of the definition in 15 U.S. Code 1692a ( 6 ) that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. '' I have never given express consent to CITI BANK to communicate with me for the purpose of debt collection, thereby violating 15 U.S. Code 1692c at large. CITI BANK has violated 15 U.S. Code 1692c ( b ) by sharing my personal private information, including location information with consumer reporting agencies. I do not give CITI BANK or any party permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ).
CITI BANK have furnished deceptive forms to instill in the consumer the belief in the consumer that a debt is owed, in violation of 15 U.S. Code 1692j. I consider every word that CITI BANK have uttered in connection with debt collection to be obscene and profane language in violation of 15 U.S. Code 1692d ( 2 ).
|
| 06/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX, we received an email from Citibank stating that a suspicious charge made with our Citibank Costco Anywhere Visa at a XXXX store in XXXX, California had been declined. As soon as we saw the email, we immediately called Citibank customer service and verified that the attempted charge was fraudulent ( we have XXXX XXXX service, so we would n't have a reason to shop at XXXX ). We also went on-line and reviewed our recent credit card charges. We identified twenty-four fraudulent charges that were neither made by, nor authorized by, us. Multiple fraudulent charges were made virtually every day, starting on XX/XX/XXXX and ending with the declined charge on XX/XX/XXXX. The fraudulent charges total {$9700.00} and follow a predictable pattern ; One or more small charges for fast food or gas, presumably to be sure that the card was still active, followed by one or two very large charges, at different Costco stores, XXXX, XXXX, or XXXX. Most of these charges were made in XXXX county, more than XXXX miles from where we live. The charges were all made on the same card number. We had not lost the card, and we were using it for normal purchases while this was going on. I would assume that someone obtained the card number, imprinted its information on a fake card, and was using it at stores that had not yet adopted chip scanning technology, such as Costco. We called customer service back, went over the fraudulent charges with the customer service rep, and were assured that we would not be liable for the charges and did not need to do anything further. Several weeks later, when the payment was due, we noticed that all of the fraudulent charges were still on our account. We have always paid our credit card balances in full every month, so we paid {$6000.00}. Which was approximately our portion of the {$16000.00} bill, and called customer service to determine why the charges were still there. The customer service rep said that they had been marked incorrectly by the first rep, so we went through the list again. Once again we were assured that we didnt need to do anything else. Since it had been more than a month and we had received nothing from Citibank, we called again on XX/XX/XXXX. This time XXXX was told that she would have to discuss it with our initial account investigator. This person, if they exist, appears to be very difficult to reach, and to have no interest whatsoever in contacting us, as we have never spoken to them, despite attempting to do so at least a dozen times. When we called back on XX/XX/XXXX, we were told that the account investigator was not available and that the dispute had been denied, meaning that we owed the {$9700.00}, plus interest. This did take us by surprise. We filed a police report with the XXXX XXXX county Sheriffs department, who sent an investigator to our house, stated that we werent the first people that this type of fraud had happened to in this area, and said that she had suspects. We appealed Citibank 's ruling, which Citibank had never bothered to inform us of, let alone send to us in writing, even though that appears to be required by the FCBA. We sent three appeal letters, as well as the police report, which were received from by Citibank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first two letters were received by Citibank, but went unanswered. The third letter, which referenced the relevant parts of the Fair Credit Billing act that Citibank appears to have violated, did receive a response, apologizing for the delay in their response, crediting us back {$460.00} in interest that they appear to have illegally collected while investigating our claim and failing to notify us of the results of their investigation, and stating that the card had an encoded chip, and we still had it, so we must have made the charges. We had explained in the three previous letters that, as far as we had been able to determine, none of the places the card was used had yet began to use the chip reader. As I stated above, we didnt make or authorize any of the twenty-four disputed charges. We have perfect credit, no criminal records, and a healthy balance sheet. One of us is a XXXX XXXX XXXX with a XXXX XXXX company and one is the XXXX of a XXXX XXXX. We do not have the time, energy, or motivation, to attempt to defraud Citibank. At this point, we are also genuinely curious as to why the Fair Credit Billing act does not seem to apply to Citibank. We would also like to point out that both the XXXX XXXX County Sheriff 's investigator, and the Costco representative who helped us retrieve the list of purchases made fraudulently on our card ( mostly gift cards and big ticket electronics ), agree that this was fraud. Our credit is important to us. My wife is in the process of raising money for her business, and we are looking at refinancing a second home, so we have been making the minimum payment of about {$220.00} a month for the past eight months, paying more than {$1500.00} we do n't owe At this rate, we will pay off the fraudulent charges in approximately 24 years.
|
| 04/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Older American |
|
*My dispute is with : Citibank XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX SD XXXX *Phone number : XXXX or XXXX *Last four digits of my Citibank credit card is XXXX *XXXX XXXX XXXX- initiated a balance transfer from my Citibank account ( XXXX XXXX to my XXXX XXXX credit card ending in XXXX in the amount of {$4700.00}. I waited one week, but I never received the credit to my XXXX XXXX XXXX account for the balance transfer from Citibank.
*XXXX XXXXXXXX - I called Citibank and spoke to a customer account rep in regards to not receiving my balance transfer to my XXXX XXXX credit card. The rep inform me that she would put in a dispute, and it would take 5 to 10 business days.
*I received correspondence from Citibank dated XX/XX/2023, stating that a dispute has been opened. On this correspondence, there is a case ID number XXXX * I received another correspondence from Citibank dated XX/XX/ stating : Proof of electronic payment has been sent to XXXX XXXX XXXX so they can credit the balance transfer to the correct account. A copy of the proof of payment has been sent to you under separate cover. I never received this proof of payment that they stated. I then called Citibank again and spoke with a male acct. rep who stated that the dispute was completed and I should receive my balance transfer in 5 to 10 business days.
XXXX XXXX - Called and spoke with an account rep by the name of XXXX who stated that I transposed the third set of numbers on my XXXX XXXX credit card incorrectly and the monies had been sent to that incorrect account number. She stated she would open up another dispute.
XXXX XXXX - call Citibank again and first spoke with a rep name XXXX who transferred me to a rep named XXXX in the Fraud Dept XXXX During this telephone call, I was at XXXX XXXX XXXX in the office of a personal banker by the name of XXXX XXXX. I had XXXX on speaker so he could converse with XXXX. He told XXXX that Citibank sent the balance transfer to my account. He told XXXX that Citibank sent the balance transfer of {$4700.00} to a credit card number that had the third set of numbers as XXXX which is not correct. The correct number for that third set of numbers should have been XXXX. This was my error when I initiated the balance trance for online. XXXX proceeded to look for the balance transfer going to a credit card number of XXXX which she stated was not a valid XXXX XXXX XXXX credit card number. XXXX also spent time looking through all the balance transfers at XXXX XXXX XXXX that had been received in XXXX and never found a total of {$4700.00} received at XXXX XXXX XXXX. XXXX provided XXXX with the transaction number of the balance transfer from Citibank to XXXX XXXX. Again XXXX found no record of the transaction number that was provided for him. I left the bank, frustrated and asked to speak to another supervisor whose name was XXXX. Once again, they tell me that they were opened up a dispute and that it should take 5 to 10 business days for resolution. XXXX advise me to give a call back on Monday, XX/XX/XXXX to see the status.
* XX/XX/XXXX- I spoke with a supervisor by the name of XXXX from Citibank, who once again stated that she would open up a dispute. I had mentioned before that Citibank is now having me to pay a monthly payment to my account because my account is showing that they sent the balance transfer to XXXX XXXXXXXX XXXX I also have to pay XXXX XXXX XXXX a monthly payment because XXXX XXXX XXXX has never received the balance transfer from Citibank. XXXX was kind enough to give me {$100.00} credit on my Citibank account but advise me to continue to pay the monthly pay. She stated to wait another 5 to 10 business days for the dispute to be resolved. five business days have passed and on XX/XX/XXXX that will be 10 business days and I have no faith that there would be resolution.
XX/XX/XXXX- I called Citibank again in regards to this matter and asked for their corporate number which they could not provide but he gave me an address that I can send correspondence to. At that point I called the XXXX XXXX XXXXu. Unfortunately, they were not able to help me with this matter, and referred me to you. Please help me these people have been giving me the runaround for over a month now and I am being charged for monies I have not received. I am now getting interest on my XXXX XXXX credit card, because the balance transferred has never been received and I have also have taken a XXXX point decline on my credit score because of this.
The resolution that I am seeking is, I want my money transferred to my XXXX XXXX credit card. I feel that I should not have to wait until they figure out what has happened before I receive my money. I feel that they should instantly send my {$4700.00} to XXXXXXXX XXXX for my requested balance transfer immediately and then they can figure out where that money went and take it from there instead of punishing me. I also feel the 5 % balance transfer fee should be credited to me for all of the aggravation, stress and strife that I have endured for these last six weeks.
|
| 03/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My car broke down in XX/XX/XXXX, so I had to rent cars from XXXX XXXX Rental. After I turned my rental car in on XX/XX/XXXX, I received toll charges for {$150.00} from XXXX and XXXX XXXX charged to my Citi Card on XX/XX/XXXX, that I didn't incur. I immediately contacted XXXX on XX/XX/XXXX after viewing my Citi Card statement and they told me to contact XXXX XXXX. I then called XXXX XXXX on XX/XX/XXXX and when they didn't respond, I emailed them. Since the XX/XX/XXXX was a holiday, I waited until XX/XX/XXXX to dispute the charges at Citi.com and do a chat. I did a chat with a person named XXXX and he or she gave me a conditional credit of {$150.00}. During the chat, he or she let me know that 'Your card comes with 100 % fraud protection. If you have not authorized the charge, you are not liable to pay. ' Well, this isn't true!
I then answered some basic questions about my dispute and in the next week, I received a couple electronic message in the secure message center at Citi to mail or fax my proof to the Citi Billing Dispute Department. So on XX/XX/XXXX, I mailed a certified packet to the Citi Billing Dispute Department, which included letters, receipts, maps, and statements from my co-workers. I thought with all this strong proof, I would immediately be vindicated by Citi, but I was wrong! Citi kept sending me emails that 'Action was Required ', but every time I checked, there was nothing new in the Secure Message Center. I then grew frustrated and contacted the Executive Response Unit, which was a big mistake! A lady by the name of XXXX XXXX handled my case. Apparently, she tried to call me twice to ask me when I had contacted XXXX XXXX. But the phone number she was trying to reach me at was my mother 's who I added when I first opened my account. My mother who is elderly and sickly, never answers her phone unless it is me and she never listens to her voicemail.
But there was no need for XXXX.XXXX to call me in the first place, because all she had to do was contact the Citi Billing Dispute Department like I requested and she would have received the answer to her question right away. It's obvious that the departments at Citi don't communicate with each other! So after XXXX XXXX couldn't reach me, she reversed the conditional toll charges to my account, charged me {$59.00} in interest and reported me to the three credit bureaus!
Needless to say, I was livid and I sent two emails to the Executive Response Unit asking for my documents back and telling them that I was going to close my account, pay off the balance excluding the {$150.00} regardless if it messed my credit up or not because I wasn't guilty. They never responded except for the automated message!
After Ms.Taylor reported me to the three credit bureaus, she tried to pacify me by adding a note to my credit file that the {$150.00} was disputed, but all the credit bureau sees is me losing my dispute challenge ( since Citi reversed the charges ), me being late for two months and not making a payment! This is also, going to affect me when I try to purchase a car this summer. Instead of XXXX. XXXX waiting to see if I was innocent until proven guilty, she automatically assumed I was guilty until proven innocent and based her decision on her emotions.
About a week later, I received a letter from her explaining her actions and telling me I have five days to contact XXXX XXXX with my evidence. So, why didn't XXXX. XXXX wait to see XXXX XXXX 's response from the beginning, before reversing the charges and reporting me to the credit bureau? That tells me she automatically sided with Plate pass without reviewing any of my evidence and thought that they would rule against me. I immediately called XXXX. XXXX after receiving her letter and explained to her that she was calling me on the wrong phone number and I then gave her the correct number. I also told her the date I contacted XXXX XXXX and let her know I had already mailed this info to the Citi Billing Dispute Department on XX/XX/XXXX. She never has responded to this day.
Furthermore, what happen to the Citi Billing Dispute Department vowing to fight for me and thus forwarding my documents to XXXX XXXX? It now became apparent, I had to fight for myself! So on Sunday XXXX XX/XX/XXXX ) I emailed XXXX XXXX the same evidence I mailed to the Citi Billing Dispute Department and on Monday ( XX/XX/XXXX ) they ruled in my favor within two hours and refunded me back my {$150.00}. It usually takes five days for XXXX XXXX to make a decision.
Citi is not a company of their word and as long as they have overzealous people like XXXX. XXXX XXXX working for them, no one will ever win a dispute. I have been a customer of Citi for a long time and this is the first time I have ever disputed a charge. My interest rate is decent and the bank seems to be a good place to do business in many other ways, but please DON'T ever dispute a credit card charge, because it will literally become a nightmare! The Citi Billing Dispute Department and the Executive Response Unit are very inefficient!
|
| 01/16/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
This is an appeal Hello, I am wtiting to appeal this false decision and these false accusations. Citi can not just falsely close someones accounts and ruin their life when they are the ones who reach out to make sure. I am a human being and this is someones life. I have been extremely patient and spent so much time but this is not a decision I will accept as 1. It is false and 2. It negatively affects my life. 3. Even the credit line management team acknowledged it was an error and verified indeed I called multiple time to get the disputes cancelled and make my account secure but indeed employees did not follow through. They said that in order to get the security risk removed and my XXXX Citibank credit cards reopened would be through you since they already handed it ofer to the executive response team.
Please see important points below and please get my XXXX Citibank Credit Cards Reopened as soon as possible and this errored security risk flag removed as well. Thank you.
1. I used the charges specifically for Citibank as I get rewards from either the merchant or the bank for certain stores.
2. I personally inquired on why the charges were gone as some purchases just got bounced back and I was either not getting my stuff in the mail or services and subscriptions getting cancelled.
3. I am obviously an exemplary customer per one of your bankers due to my perfect payment history paying ahead of time and more than my full balance ( not even just the minimum payment ).
4. I was patient and took all the steps to get Citibanks error fixed and account reopened but no one is listening to me. Its as if they do not want to waste their time. For example the representative started the investigation in the evening XXXX and gave me a false generic response XXXX XXXXXXXX. She promised she will due her due diligence to help me but she did not.
5. Obviously my relationship has been great up until this error by Citibank due to your customer service or dispute team who did not follow through anything. My mistake for not documenting or getting reference numbers but of course that should still be on the representatives fault.
6. Instead of doing an internal root cause analysis for your company, you are closing someones XXXX accounts in error.
7. I specifically requested time and time again that if these are all online like you claim then remove this feature. However no one is willing to work with me.
8. I placed additional security on my phone, social, two factor authentications, and others and yet still no one is willing to work with me despite my over decade relationship with Citi that was positive until this errored incident by one of your team members or departments.
9. Time and time again multiple representstives have confirmed that I requested any disputes that were placed on my account be cancelled. Some maybe misheard me while others maybe heard me and did not follow through.
10. I have been very kind and patient this far but most people I spoke to were very short and slight me which I find unprofessional. Moreover they are giving me things from XXXX that were resolved unrelated to anything else and again notes that there was an error.
11. Instead of being rewarded for reaching out to clarify the charges aside from XXXX are mine, you are ruining my life to avoid doing a root cause analysis for your company.
12. I spent so much time and money including getting postage stamps and sending multiple letters, multiple emails, multiple phone calls, and multiple outreaches, yet no one is helping me.
13. Like I mentioned time and time again that I am willing to work with Citibank to have additional security measures more than I already have added that I mentioned to ensure the security of my account.
14. I have a longstanding relationship with Citibank and I am disheartened by this false error. This should not have happened.
15. You are sending me something from XXXX that was also an error removed and this obviously is unrelated to the mistake you made this year.
XXXX. Even the credit line management team acknowledged it was an error and verified indeed I called multiple time to get the disputes cancelled and make my account secure but indeed employees did not follow through. They said that in order to get the security risk removed and my XXXX Citibank credit cards reopened would be through you since they already handed it ofer to the executive response team.
17. I am requesting the reopen of my XXXX ( XXXX ) Citibank credit cards immediately that were falsely closed in error and the reasons provided are all false and not true and remove this false security risk as this is more of an employee risk. Thank you.
18. I would like someone to reach out to me to get my XXXX Citibank Credit Cards reopened ( including the team who falsely closed it ). I would like communication by phone to notify me that my XXXX Citibank accounts were reopened and the errored security risk was removed.
Thank you, and see letter attached please.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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On XX/XX/XXXX, I used my Citi Advantage Platinum Select Card to pay for taxi service from the XXXX XXXX XXXX in XXXX to our hotel. We hadnt converted any of our dollars into pesos yet, so we asked the driver if we could use a credit card. He said yes, but that he didn't have a credit card reader and would have to stop by his " office '' to run the card. At this stop, a fellow " employee '' stood on the curb outside an unremarkable office building with one of those portable, hand held card readers. The stop itself was strange, but we thought we are in a foreign country. My husband handed this person our Citibank Double Cash Card that was declined immediately. Then my husband gave him another Citi Costco Card and it was also declined. Since my Citi Advantage card and just been recently issued I offered it for payment knowing that there was no way this new could be declined. It was! At this point we suspected that the driver and his assistant were stealing our card numbers. We confronted the driver and his assistant about what they were doing and paid for the ride with cash ( {$25.00} ). As soon as we reached our hotel room, we called the numbers on the back of each of these 3 Citi cards. All 3 cards numbers were immediately cancelled and we were told new cards and numbers would be sent to us in XXXX XXXX, UT. Each card had had a transaction of over {$7000.00} on the cards for XXXX XXXX XXXX in XXXX. We were told that those amounts had been red flagged for security and removed, except for the Advantage Card. The card rep indicated that she too saw the charge and that more info may be needed but in the meantime they would issue a new card and number. We boarded our cruise ship the very next day and were gone for the next 25 days for XXXX XXXX and XXXX. We only had our bank debit/atm card to use now for the remainder of the trip. Cellular service was sporadic and a nightmare once onboard. We couldnt provide any receipts for a transaction because we werent given one. We couldnt contact XXXX XXXX XXXX either as no phone number could be found.Contacting the Advantage customer service, dispute and security operations repeatedly. Communication was difficult because we were offshore and the language and accents of representatives were limited. We repeated the details of this fraud ever time we called. We were handed off/or transferred with every phone call at least 3 times to another person who was supposed to help and who told us not to worry. We know credit card companies keep records and transcripts of calls, but we're still asked everytime for additional information and documentation that had already been given repeatedly. There was no paper documentation trail except for our Advantage statements. Citi knows this and their investigation had to include their contacting the " fake provider ''. I couldn't find a phone number or address ; nor could they. Yet they handed us off again and again and again challenging us by defining terms like dispute resolution versus security fraud. The latest letter advises us that the services were rendered in XXXX and that NO DISPUTE WAS INITIATED until XXXX. This was ludicrous! I have their letters dated XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. In this last one, they had closed their NON investigation and are unable to credit my account .The fraudent charge first appeared on my XX/XX/XXXX statement that was due XX/XX/XXXX. I was surprised to see it there given the many phone calls I had made. While waiting for all this to be resolved, fees and interest on the unpaid balance have accrued ; because it was never authorized. It's a bogus company. BTW : I have a picture of the taxi driver and the license plate. I didnt report the scam to local law enforcement because it would have delayed our departure on the cruise ship for a once in a lifetime trip for the next day. I didnt report it my local UT state officials because this happened in a foreign country, and because I thought Citi Advantage card had my back. Do I need to contact the US Embassy in XXXX about this crime? Right now I feel like my credit card company is just as bad if not worse than the taxi scammers with the run around they've been giving I want my Citi Advantage Platinum Select Card company to credit my account for the amount charged by XXXX XXXX XXXX, XXXX and waive all late fees and interest accrued since the charge was posted. That would be XXXX plus interest and late fees.They know and have recorded our call to their customer service on XX/XX/XXXX because they issued a new card and number to me. My husband and I are scratching our heads as to why two other Citi cards ( Double Cash and XXXX ) that we have had for a longtime and pay on time were able to take care of this fraud, dispute, scam or whatever you want to call it and credit our accounts immediately. I expected Citi Advantage would do the right/correct thing like their sister companies. I feel betrayed by this company BIGTIME, given our history with American Airlines Advantage accounts and our other Citi cards.
|
| 07/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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On XX/XX/XXXX I received a voicemail from XXXX at Home Depot Credit stating they received an application for credit in my name and needed verification. Left a reference number- XXXX. I returned call and told rep. that I had not applied for credit and do not process the application. I advised them that this was fraud. On XX/XX/XXXX I called them back to get more information. I was transferred to Security Operations. I was told that someone went into a store and tried to open my account using my personal identification information. We discussed that I did have an account opened in XXXX that I used to purchase a washing machine and dryer and paid it off in 12 months. It had not been used since that purchase. I asked for my account to be closed and the hard inquiry removed from my XXXX credit report. I advised that I have been a victim of Identity Theft three other times due to an XXXX breach.
After this I received 2 letters on XX/XX/XXXX from Home Depot both dated XX/XX/XXXX. One acknowledged that they received my fraud complaint, closed my account and were investigating. The second letter thanked me for withdrawing my fraud claim and they were pleased that I was able to resolve the matter. I called Security Operations immediately on XX/XX/XXXX to dispute that I withdrew my fraud complaint. " XXXX '' said that the notes in the file said that I told a rep that the attempt to open my account was " real and valid '' and I withdrew my claim. I adamantly stated that I did not tell anyone this, that this was identity theft and I wanted the inquiry off my credit report. I expressed concern that since all my personal identifiable data was hacked that I wanted precautions added to confirm my identity. I was transferred to a rep to place a password on my account. This rep claimed she could not do that. She also claimed that my account had not been cancelled, and that it was not permanently closed. I called back that same morning to Home Depot Security and spoke to another person who was able to place a security password on my information. I have disputed the hard inquiry ( XX/XX/XXXX ) on my XXXX credit 2 times ( XX/XX/XXXX and XX/XX/XXXX ). I sent XXXX my police report dated XX/XX/XXXX and my FTC report dated XX/XX/XXXX. XXXX will not remove the hard inquiry. The results are as follows : " Inquiries are a factual record of file access and will remain on the XXXX credit file two years from the report date of the inquiry. '' I submitted a personal statement : " The hard inquiry from XXXX is identity theft when a person went to the store and tried to open account in my name using my PII and SSN andXX/XX/XXXXis aware of this as they reached out to me to verify my identity. '' On XX/XX/XXXX I received another letter from Home Depot ( dated XX/XX/XXXX ) stating they completed the investigation regarding my claim that the account was fraudulently opened using personal information. Based on their review they determined that I am responsible for the account and charges based on 3 factors that are untrue and/or not relevant. 1. The information received as part of the investigation does not support the claim that the account was fraudulently opened using personal information- Home Depot called me personally to receive my verification that it was me who applied for credit. I told them it was not me. They told me that someone went into the store claiming to be me. 2. I had knowledge of this debt and my actions indicate the same when I failed to call or question the resulting account or charge- When Home Depot called me, I told them it was not me. I asked if any charges went through, and I was told no. I called repeatedly and spent hours on the phone with them. 3. I remitted payment to them from a valid account- Yes, I did, back in XXXX! I called Security Operations again on XX/XX/XXXX and spoke to " XXXX ''. I was put on hold several times, so he could speak to a manager. I was told my account was closed permanently. I requested again that the hard inquiry be removed and communicated to XXXX as Identity Theft. I told them that I have disputed it twice. XXXX told me that the hard credit inquiry was not something they deal with. They only deal with the actual investigation and I needed to reach out to Home Depot Credit Care as the inquiry was made at the store level. I explained that I was getting the run around, and that no one from Home Depot or their credit agencies wanted to facilitate this process or take responsibility.
I called HD Customer Care on XX/XX/XXXX, and I was put on hold repeatedly for about XXXX minutes while the rep tried to reach Citibank Security. At XXXX XX/XX/XXXX she asked if she could call me back. I never heard back. I called back on XX/XX/XXXX. This rep put me on hold to talk to a supervisor. I was told that they could not help me with this at all, and I needed to dispute it with XXXX. I had already told her that I have disputed it twice, but Home Depot keeps reporting it as " factual. '' I asked for a supervisor, and she transferred me. The line disconnected.
|
| 12/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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To whom it may concern, I would like to share a situation that my husband and I experienced and are currently still experiencing with Citibank Credit Card and a fraudulent company.We have two credit cards from Citibank that we use for different purposes. One card we spend anywhere from {$60000.00} to {$100000.00} per month and the other about {$2000.00} to {$5000.00} monthly.We have had no problems over the years of having these cards until XXXX of 2022 when a charge was processed without our consent and we made our first ever dispute.My family of XXXX goes to XXXX for a week to 10 days each year for vacation. Last summer marked the 11th time weve visited. We rent a car each time to roam around the island and enjoy its beauty and sites. We choose the XXXX company to rent from because it feels safe. Its a reputable company and we bookit through the XXXX website and use it on a regular basis in the United States. Each year we decline the extra insurance and in all the years it hasnt been any problem.We land in XXXX as scheduled and after going through customs and getting our bags, we go to the XXXX counter to get the vehicle. When we checked in at the XXXX counter, they informed us that they did not have the vehicle we selected because it hasnt been turned in yet from the previous renter. They gave us a different car and told us that its not a problembecause it would be turned in at noon and they would bring it toour hotel. After signing the paperwork, they keep the paper and then we were escorted to the temporary car. They have a paper and you do a walk-around the car and point out any scratches, dents and any other visual imperfections. They note it on the paper and you drive away.At XXXX, they bring the originally rented car to the hotel as promised. We again do a visual inspection of both cars and everything is noted, they sign and keep the paper. We didn'tdrive the new car until the evening when we went south to feedthe racoons with our kids. Thats when we realized that the air conditioner didnt work. We called them the next morning and they brought another car. Again, we do a visual walk-around of the vehicle with the broken air conditioner and also the car that they are replacing it with. They sign the paper and keep it. We drive the 4th vehicle for the remainder of the week without issue. When its time to come back home to Texas, we drive to the airport to return the car to XXXX. They come out and they do a visual inspection of the car, they sign the paper and keep it and we fly back to the states.
A few days after arriving back home, we notice a {$14000.00} charge on our Citibank Credit card from XXXX. We were shocked but figured it had to be a mistake. We called XXXX in XXXX and they told us that there was a problem with the car that we had for 24 hours. They said that the alignment was off. Id liketo point out that these cars are not in immaculate condition to begin with. People are constantly renting and returning them. This is also the car that they brought to us at XXXX after it had been returned at XXXX. Its also the same car that didnt have a working air conditioner that they obviously didnt catch in the visual walk-around that they did with the previous renterbefore bringing it to our hotel. Alignment is a wear-and-tear maintenance that is normal in all cars, especially with 30,000+ miles on it.We dispute the Citibank credit card charge in XXXX. The credit card company tells us that we lost the dispute because the merchant never responded after 30 days. This seems very backwards to us because we have a small business and have had people dispute against us and the burden of proof is on the merchant, not the customer. We hired an attorney to help us navigate this situation. She called Citibank and spoke with themfiguring that there was a mistake in all of this. She has Citibank on recording saying that the merchant never responded. Citibank reopened the dispute and took the charge off of our account. Weeks went by and Citibank then told us thatwe lost the dispute again because the merchant responded! At this time it has been well over 90 days.It turns out that XXXX in the USA is NOT connected to the XXXX in XXXX, XXXX. XXXX in XXXX is a fraudulent company using the XXXX name to gain the trust of their unsuspecting UScustomers. The XXXX name is, in fact, the reason we chose to rent from them because we rent from XXXX almost monthly in the US. They kept all the papers, they can easily create whatever invoices are asked of them. This is not a reputable company. They didnt have the time to thoroughly inspect the car given tous that we had for merely 24 hours. How can they know who did what to the car? But either way, alignment is regular maintenance and certainly doesnt cost {$14000.00}. Yet Citibank is choosing to side with a fraudulent company rather than their owncustomer of years.Put yourself in this situation for a moment. You go to a vacation with your children and rent a car for {$600.00}, but then get charged {$14000.00} when you get back home.
|
| 01/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
My father held an AT & T Universal Platinum Citi Mastercard since XXXX. He passed away XX/XX/XXXX. Citi closed the account late XXXX or early XX/XX/XXXX. I called to ask how to reimburse the Thank You Rewards ( XXXX points as of XX/XX/XXXX, which equated to around {$600.00} at the time ) owed to the estate and was told to send proof of durable power of attorney for his widow and heir, my mother, and death certificate for my father and they would cut the check. I sent that letter XX/XX/XXXX. I received a letter XX/XX/XXXX from Citi saying they needed proof of Administrator or Executor of the Estate. My brother is that designee, so he sent a letter dated XX/XX/XXXX with the documentation and evidence that he is executor of the estate and included ( again ) : my father 's death certificate ; the trust document with relevant sections highlighted in yellow ( showing him as executor ) ; and two forms of identification. Citi then sent a letter to me again to the Estate of my father and asked again for a copy of the death certificate and proof that I was executor of the estate. So my brother sent another letter XX/XX/XXXX with all the same supporting documentation AGAIN, this time with a signed return receipt requested. He received the signed receipt dated XX/XX/XXXX as signed by a XXXX XXXX ( as addressed to AT & T/Citibank Thank You Rewards, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX ). He then received a letter back dated XX/XX/XXXX requesting official designation that he is the administrator or executor of the estate, and that the trust is not proof of such.
Yet it is. It's the legal documentation and proof of designation, as recognized by the city, state, and US federal government, all other banks and financial organizations, and any other business or governmental organization we've worked with in our respective capacities ( me as my mother 's DPOA and he as executor of our parents ' estate ).
After no acknowledgement, we continued to call The Thank You Rewards department to follow up with no response. On a call made XX/XX/XXXX, we learned of the " Internal Probate Team '' XXXX and spoke with a representative ( ID XXXX ) who said she would send an e-mail to whichever person is supposed to be handling the points for the account to find out what the hold up is and that we should hear something within a week of that. Of course, we did not. Despite endless attempts to contact and get through, attempting to escalate to managers, we could never get clarification or consistency in the state of this open issue. In XXXX of XXXX, my brother received a letter dated XX/XX/XXXX saying the Thank You Rewards could only be redeemed within 1 year of father 's death, so they no longer were obligated to reimburse the estate for the rewards.
Throughout the course of XXXX and up through to date XXXX XXXX, XXXX, XXXX ), we've each had countless calls with Thank You Rewards representatives and the Internal Probate department. Some rep names/IDs that weve noted include XXXX '' who is an " Accounts Supervisor, someone whose ID was XXXX ( not sure if this is the same person ), " XXXX '' with ID XXXX, XXXX with a reported ID of XXXX which sounded highly suspicious, rep ID XXXX, who had computer problems so redirected me to rep ID XXXX, and with supervisor, " XXXX '' with rep ID XXXX. XXXX, at least, provided a mechanism for me to email her evidence that we have complied, which she said she would escalate to the Rewards Dept, '' which I did. She told me to call back in 7-10 days from the date of our conversation, XX/XX/XXXX. I called back on XX/XX/XXXX and spoke with XXXX ( ID XXXX ) who told me they had an internal record of a letter back from the Rewards Department repeating the same message that the trust documentation did not actually list who the executor is, and it's been over a year since the primary cardholder 's death. Not only does the trust documentation list it, the section showing it was highlighted and pointed out multiple times, and we provided proof that they *did* receive it well within the 1-year deadline.
After much pressing, I was told I could fax all supporting documentation and a letter requesting re-evaluation to the " Dispute Department '' at fax number XXXX. No phone number or postal mail address would be provided for this department. I faxed the letter and supporting documentation and evidence on XX/XX/XXXX fax ( see uploaded document ) and other than a successful " Sent '' transmission status on my end, I have received no acknowledgement.
Citibank systematically makes it impossible to reimburse Thank You Rewards upon death of the primary cardholder, despite the promise and commitment to do so. They block every communication attempt, ignore legally valid evidence mailed ( at significant personal expense ), and run out the clock until after the deadline by which they say they are no longer required to reimburse. Unfortunately, we have receipts. We have proof. We just need someone to hold them accountable. This fraudulent activity should not be allowed to continue.
|
| 11/27/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
On XX/XX/XXXX my XXXX XXXX credit card was closed - I had this card for over 35 years and this story is really hard to believe and hard to imagine it could happen to me, especially since my account was closed by a CITI executive because she has a personal grudge against me - it has nothing to do with me or my credit or my ability to pay my bills. My credit is outstanding.
Here 's the story in my letter to XXXX XXXX on the day I got my letter from XXXX XXXX that my account was being shut down by CITI - the XXXX XXXX credit card company.
To whom it concerns : Im in receipt of your letter dated XX/XX/XXXX informing me that my XXXX account has been closed. I am in complete shock! I have been a XXXX account holder since XXXX ; I started with a XXXX credit card upon graduation from college. I opened my account in XXXX XXXX XXXX, PA and have been a very loyal customer ever since. XXXX is my primary go to store and one of my favorites for my entire adult life, Im now XXXX years old. My XXXX daughters are now also a big fan of XXXX and always shop with me frequently making purchases from XXXX ; especially shoes, which is our favorite department.
As soon as I opened your letter today, I called the XXXX number listed to find out why my account was closed because it can not be because of any payment issues. I have excellent credit with XXXX and rarely run a month to month account balance, I always pay off my monthly statement on time and have since XXXX, which is why I was a Platinum card holder.
While on the phone with your credit department today, I was told that there were no notes to indicate why my account was being closed. I told her it HAD to be a mistake. She advised me to write a letter and to also send an email. I asked her for the email address and was given the following e-mail address : XXXX.
Well the light went immediately off ; XXXX credit card is a CITI credit card. I recently had a CITI Advantage credit card which I had gotten in my personal name XXXX XXXX XXXX on behalf of my employer, XXXX, XXXX. This credit card was for a business account and had a limit of {$6000.00} ; which my company, XXXX, XXXX paid off every 2-3 weeks. This credit card was used for travel purposes. I volunteered to get this credit card in my name because the owner of the company did not have as good credit as I did, so I innocently volunteered to use my credit to help out the company and in return, I got the airline mileage ; which I could use for personal travel purposes.
Sounded like a good deal, right? Well, I guess not because, our company CITI advantage card was closed without any notice last Friday, XX/XX/XXXX, the same date as the letter I got which prompted the call today and this letter. XXXX, XXXX was never notified or told why our Advantage CITI credit card account was closed, it just got closed down. We strongly believe its because my employer is in the XXXX XXXX business in the United States. And CITI does not want to be associated with any XXXX business transactions or banking. I am not an owner of this company. Im just an employee and have been employed with the company for over 5 years working for my employer and his various businesses ( besides XXXX, XXXX ) as a Certified XXXX XXXX.
Our company, XXXX, XXXX is a reputable company. We operate in the State of New York ; we pay our taxes, pay our bills on time and operate in accordance with all federal and state laws. We are not in violation of any laws and we are not involved in any criminal investigation or civil litigation.
I also am personally a law abiding citizen. My husband and I are respectable career established professionals and have raised XXXX daughters that are also respectable young adults that are XXXX from college in XXXX. I have maintained excellent credit my entire life. I have never been charged with any crimes, misdemeanor, or been involved in any litigation my entire life.
So, for me to have my XXXX credit card cancelled because CITI doesnt want to be involved with XXXX businesses has nothing to do with me. Im just an American citizen working for a company that operates a legally established business under Federal and State laws in the United States of America. I am being discriminated against in the worst, most unimaginable way possible ; because my employer is in the XXXX business. But for me personally, what have I done? Did I not pay my bills on time, have I been charged with a crime, traffic violation, NO, I have done NOTHING wrong.
I have impeccable credit and have worked hard, very hard for over 40 years with no blemishes in my professional or personal life until now and for what? Being an employee of a company that offered to help her employer get a company credit card that paid their entire account balance off every 2 weeks?
Please explain why XXXX has closed my account, please? I need to understand why you chose to do this to me without any reason or contributing factor known to me or caused by me.
Sincerely distressed and in need of an answer, XXXX XXXX
|
| 02/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am writing to you today about extreme concerns I have with a company you are all too familiar with : XXXX. Because theyre are virtually the only primary ticket seller, they continue to operate as if they are above the law. Their deceptive practices are never going to cease unless serious is taken against them.
About a month ago, I received an email from Citibank, with whom I have a credit card, advising me of a presale for an event called " XXXX : THE CONCERT. '' About the time these tickets were promoted by Citibank, the band was publicly talking about the possibility of a 30 yeary reunion in XXXX XXXX. Naturally, I assumed these tickets were for that concert tour, as they were labeled. I was thrilled to find excellent seats were available for the show in XXXX New York for {$99.00} each ( the total was actually {$230.00} once they added their surcharges ). As I expected tickets to sell rapidly, I bought those tickets without delay and was very pleased with my purchase. It was only moments later that I realized I had been duped. The concert was not going to be performed by the band XXXX, but by a cover band playing their hits in the style of XXXX. I immediately called XXXX and told them that their promotion was misleading and that I had bought tickets thinking it was the real band. Their response to me was that all sales are final and that no refunds or exchanges would be given. My only option was to dispute the charge with Citibank, the credit card company that I used for the transaction. Interestingly, it was Citibank who had promoted the concert to me. My dispute with Citibank is perhaps best set forth in a separate letter. However, they are clearly complicit with the fraud perpetrated by XXXX. Citibank investigated my complaint and denied it relying solely upon XXXX 's reiteration of their no refunds or exchanges policy. Numerous telephone calls to both companies have been fruitless.
XXXX unfettered control of the ticket sales industry is a foregone conclusion. The company 's fraudulent and underhanded tactics seem to be standard operating procedure for them. I offer the following as proof that XXXX intended to pass these tickets off as if they were to genuine XXXX concert.
The title of the XX/XX/2018 show for which I bought tickets for is " XXXX : THE CONCERT. '' It is alternately listed as XXXX : The Music. '' There is simply no mention on the XXXX page that this is a cover or tribute band. By clicking on the " details '' link labeled " XXXX the Music, '' you are taken to a page that appears to show the real band, and no disclaimer. By clicking on the " See Tickets '' link you are taken to a XXXX XXXX page which is titled, " XXXX : The Concert '', containing the same photo. An icon labeled " more info, '' when clicked takes you to a page entitled, " Event Info '' and discusses ticket and venue information, but once again fails to disclose this is not actually the band XXXX.
By doing a search for XXXX On XXXX, Several different shows are listed, many of which have the word Tribute in their name. XXXX simply chose not to warn the public that this show was in fact a tribute band.
In fact, some of the concert dates ( not the one I purchased ) contain a logo of the performers showing a silhouette of the singers with the words centered on the logo in large blue capital letters, " THE CONCERT. '' Directly below that are centered the words " XXXX IN CONCERT '' in a prominent, but slightly smalller font, in white. Then below that, off to the right, in by far the smallest and thinnest font on the page, appear the words, " a tribute to '' and then an increase to the previous font size, in bold, the name " XXXX. '' It is clear, the intention of XXXX in changing font and sizes and boldness of the words was to deemphasize the fact that this was merely a tribute band. Interestingly, this logo was not even included on the page for the tickets I bought.
Some of the listings for the shows on XXXX actually contain the logo but intentionally redact the tribute language. It is unclear why XXXX is so inconsistent in the way they promote these shows. What is clear is each method demonstrates their intent to deceive.
XXXX has refused my requests for a refund and responded directly to Citibank, denying their insincere attempts to seek a refund for me. This " concert '' if still three months away and XXXX still has the opportunity to to resell my tickets but knows It will be unable to do so because its fraudulent advertising has already been exposed.
I am therefore requesting you investigate XXXX and Citibank for their fraudulent behavior, both individually and collusively, and that they are fined or otherwise penalized for their actions. I am further seeking your assistance in compelling them to compensate me and all others harmed by them, for damages, including but not limited to treble damages and any other relief as you deem appropriate.
I am attached hereto all evidence of fraud as referenced above. Thank you for your time.
Yours truly, XXXX XXXX
|
| 03/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
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|
Web |
Older American |
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My husband received an email that he was being charged {$240.00} for a XXXX XXXX subscription which he doesnt have and have phone number to call.He called the phone number and told them to return the money because he doesnt have a subscription.While he was on the phone, he was asked to open his computer and if the refund went to his checking account.He was told that they will refund him in 2 payments.First {$150.00} then XXXX XXXX.He was told that there will be block blue screen in his computer and he saw blocked blue screens 3x.One time he was told to type {$150.00} for the first refund that he will be receiving from XXXX XXXX.He was typing the dollar amount for {$150.00}, pressing the decimal point after XXXX and he noticed that it became $ XXXX.XXXX XXXX, the person he was talking said thaXXXX my husband made a mistake of putting {$15000.00} instead of {$150.00} in his checking account for the refund from them and my husband needs to return the money back to XXXX XXXX from their company which was in XXXX by money transfer.He needs to return it back to them by international money wire transfer because my husband made a mistake in typing.My husband told XXXX to change the amount in the computer because he said he didnt do it.He tried to put the decimal point after XXXX but it looks like XXXX was manipulating it and doing it by himself because there is movement in the computer without my husband doing it.He told XXXX, the person he was communicating to change {$15000.00} to {$150.00} and XXXX said he couldnt .He just need to wire transfer {$14000.00} minus the wiring fee because they will pay for wiring fee.If he will not return the {$14000.00} back to XXXX XXXX, they will charge him legally for putting {$15000.00} in my husbands checking account and that if Citibank asked him what is the reason for transferring {$14000.00} he needs to tell Citibank that he is transferring it to XXXX XXXX by wire transfer.Citibank might not call him but if Citibank called him he needs to say this words and he was told to repeat 4-6 times what needs to be say when Citibank called him. I tried to call Citibank 3x from my cell phone and was able to speak to a representative the 3rd time I called.Citibank have automated answering service and I find it hard to speak to a representative personally to address my concern about what Im hearing and seeing my husband doing in the computer with our bank account open and threatening my husband about legal actions they will charge against him if he will not return by wire transfer the money to XXXX XXXX in XXXX and told him what to say to Citibank if Citibank called.When I was able to connect to Citibank representative and spoke to her about the situation, she mentioned that {$15000.00} was transferred from our savings account to checking account and will be wired transferred to XXXX.She told me that she will try to hold the wire transfer first because its fraud. I told the Citibank representative that we are going to Citibank office personally.Citibank opened the case with fraud department, wire transfer team and dispute department by XXXX XXXX, personal banker with case number XXXX. I have called the Wire transfer department team, spoke with XXXX and told me that they have communicated with the XXXX XXXX XXXX in XXXX XXXX XXXX, and XXXX, requesting refunds back, no response yet.They said it takes 3 months sometimes to settle it.I called again XXXX XXXX and I was able to speak to XXXX, account supervisor and asked about the update to case .XXXX said to seek legal advice, get an attorney to communicate with the local XXXX police and then be able to get a court order to tell XXXX XXXX XXXX in XXXX XXXX for the money to be returned back.I was told that the case was closed because my husband have given them the code for the money to be transferred.I told XXXX that I called Citibank and was able to speak to Citibank representative and she knew that it was fraudulent transaction.I told XXXX that Citibank have to help me return the money back because its fraudulent transaction.They have tricked and threatened my husband and have remotely manipulated our bank account and made him believe that the money to be wired transfer is owned by XXXX XXXX while in fact XXXX was able to get into our savings account, puts a blue screen block in my husbands computer while XXXX was manipulating the transfer {$15000.00} from our savings to checking account without my husband realizing what is really happening in our bank account.After talking to XXXX.XXXX, account supervisor of citibank that Citibank needs to help me, she told me to go to the bank personally and have my husband file an affidavit of unauthorized wire transfer and submit it with my husbands signature to XXXX, notarized with case number XXXX. My husband and I are going to Citibank today to file an affidavit of unauthorized wire transfer.My husband and I have opened the case XXXX XXXX with XXXX XXXX, Citibank banker.XXXX have told me that she will send a letter from Citibank about the case.
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| 12/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Good afternoon.
I am writing in hopes to raise awareness and prevent further deceptive and predatory practices from Citi Card, which has now taken hours and weeks of my time and as we have detrimentally relied on the promotional offer and contracted terms we signed with them but are unable to receive.
To begin, about one month ago, we ( I, and my husband as an authorized user ), applied for a Citi Credit card- XXXX XXXX card, which offers XXXX reward miles if {$4000.00} are spent in the first three months.
The first couple of weeks there was no issue. We used the card as needed to earn the reward miles. However, apparently as we were too close to receiving this promotion, they have done everything possible to block our use of the card and not allow us to receive the miles.
The first block happened when we paid the entire balance in full ( before it was even due ). Even though Citi has direct third party access to my checking account ( which I authorized ), they decided to block the available balance for a whole 10 days after the payment was booked on the account, in order to " verify '' the bank and payment info. This means that the money was taken out of my checking, but during the XXXX XXXX, when we relied on the funds, they were unavailable to us on the credit card.
Then, before this " payment verification '' was completed, they also started sending alerts to my phone app that they had to verify prior purchases.
Once I called them to " verify the purchases '' and remove the early fraud detection, they went through a series of steps : 1 ) They tried to verify my number ( even though it is the only number I have, the number they approved my application from, the number every other bank uses to verify my transactions ) and they said their system was unable to send me a text message.
2 ) They tried to verify my employer ( even though no one at my work has any knowledge of this " attempt '', and even though I was sitting at my work desk when I called them, and even though I have paycheck stubs they could have asked for, etc ) 3 ) They asked for another credit card ( I gave them 2 credit cards on my name, all in good standing, all functioning ) - they were unable to verify.
4 ) They asked for my bank account information, which, again, even though they had because I made a payment with the same account, they were " unable to verify ''.
I called back in a few minutes because it was impossible to speak to this person who just kept telling me that I couldn't be verified, even though I was sitting at the desk with the card in my hand, and I was connected to someone else. This person actually called my number, heard that it was me, and was able to release the early fraud detection, but not release the available balance ( so I can continue using the card ) because the payment verification was ongoing, even though they had already taken my money out a week prior at that moment.
I then received a letter in the mail, about two days later to call fraud prevention services again. AGAIN, I called and they were " unable to verify me '' until I asked for a supervisor.
After speaking to a supervisor, she was able to verify that the text wasn't going through to my phone because according to them it was tied to my fathers name ( my maiden name ), even though I opened my phone number under my married name and have never tied this number in any way to my maiden name. I was then told that I would be flagged as " verified, '' the number would be flagged as trusted, and that in about 48 hours they would release my available balance to use.
So, this morning, once we saw that the balance was available again, my husband and I went to XXXX to go XXXX shopping, and once we were at the register, my card was again declined!! I had to use another card. I called them straight away because I wanted to rewards miles, and again was told ( after more than 40 minutes on the call ), that they were again not able to verify it was me. I told them about the conversation I had two days previously, about flagging my number as trusted, and they did not care.
They have offered no way to remedy this. I have my paychecks, my bank statements, my IDs and my passport. I have had the same email addresses for about 15 years. All meaningful ways to verify who I am. I know now that they are not trying to protect my identity, rather, they are trying to ensure that the promotion they offered is unattainable. This falls clearly under UDAAP compliance - deceptive practices.
The easiest thing for me would be to close the account, but as we have already taken a " hit '' on the hard pull credit check and another " hit '' for opening a new account, which negatively affects our credit score, we would be further negatively impacted in doing so. Also, I do not feel that it is fair to allow them to get away with these actions and that I want to be able to use my card and earn the rewards I was promised.
In hopes that you can help me resolve this, I wish you a happy XXXX XXXX
Best, XXXX XXXX
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| 04/15/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My credit card provider Citibank / Best Buy Credit Services filed a law suit against me last week XX/XX/2021 for failing to pay a balance which included two transactions which the merchant XXXX alleges I made last year, but which I did NOT approve or authorize. I spoke with Citibank about this, we discussed the situation and they filed a dispute with XXXX on my behalf.
Citibank mishandled the dispute as based on my discussion with them they disputed these transactions as a failure to provide services as described, but what they later advised should have in fact been submitted as an authorized charge, this after they submited the dispute, and received XXXX 's response. They then claimed that my suggestion that XXXX was to deliver 6-12 unique and exclusive leads per month, but that I only received 4 since the services started suggested I authorized the billing when in fact I did not and I received the leads in response to my mortgage partner agreeing to and paying for the service! Citibank completely ignored this fact and the fact that XXXX was unable to provide any evidence to support their claim that I had authorized the billing of my card. Again the reason this was initially submitted as a failure to provide services was due to the fact the billing for the services which were being considered ( but had not been agreed to or approved for billing ) was to be split between myself and my mortgage partner. My mortgage partner did authorize the marketing on their end, and for their half of the billings, but did not have the authority to agree to the marketing or to authorize the billing to my credit card. XXXX preemptively began delivering the service based on my mortgage partners payment. Thus the service was approved by my mortgage partner, but not by me and this is why the claim was submitted in the manner it was. If Citibank had taken the time to discuss this in greater detail with me and performed their job in assisting me in properly filing this dispute they could have reversed these false billings.
XXXX responded to the dispute by suggesting they provided the leads as agreed under the terms of an agreement which they falsely allege I both received and accepted. I did not. XXXX also suggested that I visited a page on their website where I approved the contract terms, inputted my credit card information and authorized the billing of my card. I have never seen this webpage nor have I ever visited it. I did not input my credit card details here nor did I authorize these charges to my card. Rather XXXX already had my card on file for other advertising I'd been doing with them for years at a cost of {$100.00} per month. A review of the BBBs website includes close to 400 complaints including a number from other Real Estate Agents and Customers who report false and fraudulent billings. https : XXXX. Here is another article on criminal actions by XXXX https : XXXX, and another discussing their settlement of a $ XXXX class action lawsuit for stealing from their own employees https : XXXX.
Never the less, Citibank accepted XXXX 's response advising that the dispute was unsuccessful, and that as a result I would be responsible for the charges. Citibank made no additional attempts to dispute the charges on my behalf using this additional information I had shared which they would have been aware of had they put forth an effort to better understand the situation before submitting the initial dispute. They completely mishandled this situation and were negligent. I advised that this was unacceptable and that as I had advised I never agreed to the XXXX marketing, it's alleged terms, and MOST IMPORTANTLY I DID NOT AUTHORIZE THE BILLING OF MY CREDIT CARD for any additional fees. I advised them that these were fraudulent charges and that given the fact I did not authorize them and as such I would not be paying the charges.
Citibank failed to reverse the charges and as such I made no further payments, Citibank charged off the debt, I was/am in the process of disputing these items with the credit bureaus ( yet they continue to provide false evidence to support these fraudulent charges ), and last Friday I received notice from the XXXX Municipal Court that Citibank has filed a lawsuit against me for nonpayment of account.
Citibank allowed my card to be billed ( for what are two substantial charges that were over 53x the amount of the monthly billing I was previously doing with XXXX ) without my authorization and without the card being present ( their fraud prevention clearly failed to catch this and had it this could have been stopped in its tracks ). Citibank then failed to effectively handle the disputes and they are now attempting to hold me accountable for their failures. If they had put an equivalent degree of effort into pursuing XXXX as they are now putting into attempting to pursue me ( their paying customer who was being charged an interest rate well north of 25 % ( I think it was 19 %! ) they could have resolved this issue on my, and their behalf!
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| 09/23/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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This is related to complaint number XXXX. Please see that too.
This complaint is about my Citibank Priority Checking account.
I had much difficulty 1 ) moving funds into this account, and 2 ) verifying that an offer I responded to would be honored. Multiple calls to customer service went around in circles, and I filed the above complaint.
The " resolution '' to that ongoing situation was that I was given a deadline by which to move a certain amount of funds into the account in order to be eligible for the incentive/offer to which I responded. I successfully got the account funded before the deadline.
I was too successful, however, as an extra {$15000.00} ended up in the account ( $ XXXX total when all I needed was $ XXXX ) and therefore I attempted to move funds out of the account electronically, paying attention to daily limits. My original intention was to set up three {$5000.00} transfers on different days.
All electronic transfers failed. Calls to Citibank 's fraud department revealed that my account " had a block '' on it and after verification, these were removed but the pattern repeated : initiate transfer, transfer fails, call Citibank, receive reassurance that the next one would work, initiate transfer, transfer fails, and so on. I attempted at least seven such transfers, either from Citi 's website ( push ) or from my other bank 's website ( pull ). All failed.
So, I called Citi and explained the situation. I told them that I was going to attempt to deposit a paper check from my Citi account ( # XXXX ) in person at the counter of my other bank. They verified that the account was not blocked and assured me that the {$5000.00} check I was about to deposit would go through. I explained that if it didn't, my other bank would charge me a bounced-check fee and asked if they would reimburse me if that happened ( on or around XXXX XX/XX/2021 ). I was told 'yes ' they would. I drove to my bank and deposited the check there, and within two days saw the reversal on my other bank 's website, and a {$19.00} fee, and on the XXXX of XXXX received written notice from my other bank ( XXXX XXXX ) that they had charged me {$19.00} for passing them a bad check.
I then called Citi to have them honor their word to reimburse me for that charge and was ready to provide proof, but was told at that point that they had no way to reimburse me for another bank 's fee, and that I should call them. I pointed out that this was not feasible because the fault was with Citi, but even a supervisor explained that nothing could be done.
On a lengthy call on XXXX XX/XX/2021 ( first one that day was dropped after about 25 minutes ), I was told that while the account was not blocked, I had exceeded some " limit '' on the account. This apparently differed from a 'block '. However, the agent was unable to tell me whether this " limit '' was related to the number of transactions ( of which all had failed ) or a dollar-amount limit. It was when she went to transfer me about this " limit '' that the call dropped. I called again and no one mentioned any " limit '' again.
On that same call, I was placed on hold for approximately three minutes while the agent ( Fraud department ) was transferring me to another agent, only to have the original agent return and tell me that that agent could not help. Not professional at all.
The number I was given to call Citibank back in order to start the process of being reimbursed for my returned-check fee of {$19.00} ( which I subsequently learned was impossible ) was XXXX. However, this number, which the Citibank customer service agent ( fraud department ) gave me, is answered with " Thank you for calling Citibank Fraud Prevention for internal staff. '' In other words, it is not a number for customers!
During the final call to Citi customer service, made shortly before creating this complaint, an agent told me that my check 'starter pack ' had not been activated. There is no way to confirm the accuracy of this, but I had not heard this before that call, and that agent was probably the 15th agent I had spoken to up to that point in the whole Citibank saga.
Thus, Citi failed in two main ways : 1 ) they told me that my account was not blocked in any way directly before I attempted to deposit a check written on it, when in fact it was blocked ; and 2 ) they told me that they would reimburse me for a returned-check fee, should it happen, when in fact they could not and did not.
A successful resolution to this complaint has two parts. First, I want that {$19.00} back. Second, I want the account completely and assuredly unlocked/unblocked so that I can actually use it.
In my opinion, Citibank has quite a lot of work to do to ensure a smooth experience for customers. They seem to be good at attracting potential customers but once they have the business of the customer, follow up and customer service seem unorganized and agents seem untrained. There is no coordination. With every transfer, I had to retell my story from scratch.
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| 02/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I currently hold a CITI Mastercard. It is a primary card that accumulates rewards points ( termed thank you points ) which I always choose to use as a CITI credit card statement credit. I am able to login to the CITI rewards account to view the points I've accumulated and indicate how many of those points I'd like to redeem as a statement credit. This option allows for points reimbursement such that 1000 points earned can give me a {$10.00} statement credit and I can use pretty much any amount of points to acquire this benefit ratio.
I have noticed recently that at certain stores ( XXXX XXXX XXXX or online ) I will have a pop up option on the credit card machine during payment with my CITI card, offering that I can use these thank you points as a credit on my purchase that day. In every instance when this has happened, my transaction will not complete until I answer yes/no to that option on the credit card machine. " Would you like to use XXXX points today on this purchase to receive a {$10.00} credit right now? Yes or NO '' I'm not sure of exact wording, but this is the gist of what pops up on the credit card machine. Sometimes I'm waiting and waiting for the transaction to process not realizing I have this question on the screen to answer in order for the transaction to process -- -but once I do see the question, I always click 'no ' and the machine beeps to indicate the transaction is complete and I can remove my card. I honestly am not sure which merchants have offered me this option for using points at the time of sale. I always say 'no '. Statement credits offer a better credit $ to point option.
WELL, I was in XXXX on XX/XX/2023 and used my CITI card for a purchase at the self check kiosk. As I was bagging my items, the credit machine gave me the familiar BEEP to alert me to remove my card, and I did. When I left the store I got an email that CITI rewards had TAKEN XXXX points and gave me {$10.00} off my purchase. I looked at my receipt and it showed that XXXX CITI thank you points had been redeemed for {$10.00} off.
The details of the purchase are that it was made on XX/XX/23 at XXXX on terminal XXXX with master card approval number XXXX at XXXX XXXX XXXX XXXX, XXXX, WI XXXX.
I DID NOT AUTHORIZE THIS REDEMPTION. I WAS NOT GIVEN THE USUAL QUESTION/OPTION ON THE CREDIT CARD CHECK OUT SCREEN that waited for me to respond before proceeding with the transaction. I did not accidentally touch the screen as I was bagging my items the whole time. I never looked at the screen, because when it beeped -- - the signal that we are all so familiar with that indicates we are to remove card -- - I removed the card. SOOOO UPSET -- - I did not authorize for CITI to deduct XXXX points. As I mentioned I ALWAYS choose to use my points as a statement credit and when I do so I get {$10.00} for 1000 points -- - a much better deal than the XXXX for {$10.00} at point of purchase CITI offers.
I called CITI on XX/XX/2023 and the person ( her name was XXXX ) told me that if I don't answer the question ( asking if I want to use XXXX for {$10.00} ) and pull out my card from the machine IT WILL AUTOMATICALLY DEDUCT THE POINTS AND GIVE ME {$10.00}. WHHHHAAAAAT?!?!? The CITI rep said I could go back to XXXX and return my items and get my points back -- -- WHHHHHHAAAAT?!?!?!?!?! That's the option?
THis is crazy and is wrong for the rewards system to take away points indiscriminately without my approval. I told the person this and she stated that " I need to be aware that any purchase from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or XXXX might automatically deduct the XXXX points if I don't respond to the question and pull my card out ''. If the machine beeps notifying the charge transaction is complete and I remove my card without seeing and therefore not answering the option, taking the points without my permission ( at a lower redemption value ) is wrong.
I insisted I get a refund for the points that were taken away. She finally said she'd open a case ( # XXXX ) with this request and I am awaiting the response. Return my XXXX points and take the {$10.00} back, I say. Fix your system so it isn't taking the points without a response. The machine beeped, I've been trained to remove the card at the beep and did not read the screen nor touch the screen.
I am awaiting a response to the claim. I am not as concerned about one transaction, but the continued potential of future transactions to take away points without my authorization -- for myself as well as the millions of other CITI cardholders that get points -- is really unsettling. It is a much better deal for CITI to dish out these {$10.00} credits at XXXX at the time of purchase then to credit {$10.00} for 1000 with their statement credit options. If people want to do that fine, but don't take them away without a response. I also want other consumers and merchants to learn from this experience. This is such a blatant attempt for the CITI rewards program to award fewer dollars per redeemed point. WRONG WRONG WRONG
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| 03/10/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX, I noticed a fraudulent ACH transfer from my checking account paid to a XXXX credit card that was not mine for {$6600.00} posted for XX/XX/XXXX. When I contacted Citibank, the representative stated it was probably a glitch in the system and did not suggest that I blocked the account however opened a case.
On XX/XX/XXXX, another ACH transfer was made for {$21000.00} to a XXXX credit card. At this point, the representative suggested that I placed a block on my account.
On XX/XX/XXXX, Citibank credited me {$6600.00} and on XX/XX/XXXX credited me {$21000.00}. Per the letter sent, " We have concluded our research and are pleased to inform you that your request for reimbursement has been honored '' On XX/XX/XXXX, I received a call from Citibank Fraud department who informed me that my online banking information has been compromised so they will take action to issue me a new debit card. When I inquired whether my account will need to be closed they said NO.
Fast forward to XX/XX/XXXX when I realized my account has been blocked. Their letter dated XX/XX/XXXX states " your accounts are now restricted from any debits and certain credits and will be closed within sixty days from the date of this letter ... If there are any funds that belong to you at the time of closure, Citibank will issue you an official check for that balance ... you may visit your local branch or contact us at the number below to determine if you're entitled to the funds sooner than the expected account closure date '' Since then I have called Citibank fraud department multiple times and went to the local branch ( 2 days after the date of the letter ) to attempt to close my account and receive my check but was met with the same brick wall- " this is our policy, there is nothing you can do to access your money or close your account until the investigation is over '' As it stands I have over $ 55K sitting in my accounts that can not be accessed for " up to 60 days ''. I just got my offer accepted for a home and I need the funds ASAP. I can not wait up to 60 days to receive my checks. It is absolutely unacceptable that I have no access to my money for an extended period of time.
See Regulation E below. Citibank has given me my provisional credit within a week of filing the claim however they turn around and block my entire account and are preventing me from accessing it for up to 60 days. From where I stand as the consumer, if this is a loophole that the banks can perform, how am I really protected as a consumer by this regulation that ensures I have timely access to my funds in the case of a fraud investigation?
Regulation E 1005.11 Procedures for resolving errors, cited below : ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.
( c ) Time limits and extent of investigation ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.
( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. An institution need not provisionally credit the consumer 's account if : ( A ) The institution requires but does not receive written confirmation within 10 business days of an oral notice of error ; or ( B ) The alleged error involves an account that is subject to Regulation T of the Board of Governors of the Federal Reserve System ( Securities Credit by Brokers and Dealers, 12 CFR part 220 ) ; ( ii ) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation ;
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| 12/16/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American, Servicemember |
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XXXX : Your XXXX XXXX XXXX statement is ready Regarding the credit card XXXX XXXX XXXX XXXX Wed, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX To : citicards Details XXXX : credit card charge dispute Let me introduce myself : My name is XXXX XXXX. I am XXXX XXXX XXXX ( born XXXX XXXX.
The credit card in question is a XXXX XXXX by Citibank. The number is : XXXX XXXX XXXX XXXX On XXXX XXXX, XXXX, I turned on my computer, I was greeted with this message : NOTE : This is not be the exact message but it is a reasonable facsimile as I remember it.
XXXX HAS BLOCKED YOUR ACCESS TO THE INTERNET BECAUSE OF MALWARE INFECTION DO NOT SHUT OFF YOUR COMPUTER CALL THIS NUMBER : XXXX XXXX XXXX XXXX They answered my call stating that they were Windows Technicians and for me to press the window key on my keyboard and to tap rrr several times. This I did, and suddenly I had no control over my computer. They took it over and after some click click clicking the man showed me, on my screen, a list of some files., I dont know what they were but he said that they were all infected and that there were 331 of them and needed to be cleaned up and the cost was {$1.00} each. I told him that I only paid {$350.00} for this lowest priced XXXX from XXXX XXXX and that rather than to spend that kind of money I should take it to XXXX XXXX and either have them clean it up or buy a new computer. He advised me that BXXXX XXXX would not be able to fix it and even if I purchased a computer for XXXX XXXX dollars and brought it home that I would still have this same trouble.I said to the man that I could not afford the repair, but he convinced me to put it on my credit card. I felt that I had no choice. I gave him my credit card number. # XXXX XXXX XXXX XXXX He advised me that it would take some time to fix the problem and that they would call me when they were done. They called later that I was good to go. I then received a receipt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX. This was followed with a notice FROM XXXX XXXX XXXX that I now have a SERVICE PLAN : XXXX YEARS SECURITY AND SUPPORT. MERCHANT NAME XXXX XXXX. I already have security with XXXX via Best Buys.
After talking to some younger people who are much more computer knowledgeable, I realized that I had been Hacked by professional scammers. They have found a way to sell security service at a very heavy price. In checking with the BBB, I found several complaints from old people that been ripped off by this racket.
I therefore called XXXX to reverse the charge. I was told that they would cancel my credit card to take care of this charge and that they would issue another one that I would receive in a few days. This we did and I was sent a notice of cancellation with a XXXX balance. The new card came in a few days. I only used the new card once that month and when I received the bill of {$21.00} on my email, I attempted to pay it but it would not recognize me. I called CITI and was still unable to pay online so I asked the party that I talked to if he could take the payment from my checking account as they always had and he said he could with my permission. Permission was granted and the card was paid in full. I also asked him to send me the {$50.00} cash back due me and I received a check a few days later. I decided that if I could not pay any future bills online that I should cancel the card and use a different card. I canceled the card and received a notice of cancellation with a 0 balance.
However, the following month, I received a notice that my credit card bill was for {$310.00}. This was added after the cancellation and I had disputed the charge as it is a scam and was told that cancelling the original card had removed this to a charge back.I have called and have not been able to understand the foreign speaking representatives, partly because I am very hard of hearing, even with my XXXX XXXX, but my XXXX XXXX XXXX wife who has good hearing could not understand these people either. I have sent numerous emails to Citibank advising that I will not pay this bill charged to a closed account and that if Citibank prefers to do business with scammers instead of a good and honest customer of several years that always paid the bill on the day it was received or the day after then that is their business but leave me alone. I will not pay this bill. I was hacked and scammed and now Citibank wants me to pay them so that they can continue to enjoy doing business with dishonest, unscrupulous people. I have always been honest and loyal to this company.
Now, Citibank keeps adding {$30.00} late charges to the closed account and robo calls me XXXX to 6 times everyday, including Sundays. I had gone to XXXX and stopped the robo calls but they and the Citibank robo calls ring once and it only annoys us.
The company or companies involved in this scam should be investigated and forced to stop their unscrupulous business.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXXXXXX
|
| 02/19/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
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|
By way of background, I was a victim of wire fraud that took place XX/XX/2021. It initially started with a text message from XXXX stating that someone was attempting to purchase {$2500.00} worth of XXXX products from XXXX using my debit card which is tied to an XXXX account I have..
The text was immediately followed up by an email directing me to call " XXXX to confirm the purchase. Naturally, my first instinct was to call the number when I heard this, as I was frantic at the thought someone had access to my debit card info, so I called the number that was listed on the email. I had no reason to believe it was not authentic and legitimate because all of the correspondence from " XXXX '' appeared to be genuinely from them.
Upon speaking with the fake XXXX rep who identified himself as " XXXX, '' he instructed me to download two apps that would serve as added security to protect my XXXX account from any future security breaches. Again, I thought I was talking to a bonafide IT security rep from XXXX.
To further exacerbate the problem, I then received a text from what genuinely appeared to be Citibank asking if I authorized a payment of {$2500.00}, to which I selected Option 2 for " no. '' Please keep in mind that this chain of communications from both XXXX and Citibank appeared authentic so I had no reason to suspect that I was being further drawn into this web of deceit to compromise my bank account.
I subsequently spoke to the real Citibank, who informed me that they never sent out a notification asking if I was conducting a transaction of any kind for {$2500.00}, which led me to question why they didn't decline such a large transaction, as my account is set up to receive fraud alerts for suspected activity. It is important that I stress that, at no time, was any personal or other identifying information shared with the scammer ( s ). As I explained in my initial claim, I never authorized the payments and I provided ample proof of that. It was abundantly clear to me, at this point, that I was a victim of fraud.
Quite honestly, I'm now wondering if this was an inside job. Given the position Citibank has taken and the quick turnaround for a thorough investigation. I find it interesting that one of the Citibank investigators told me that she fully understood my plight, as something similar happened to a family member, but arrived at a decision that the claim of fraud was something perpetuated by myself. I ask you, who would put themselves through this unnecessary chain of events?
I'm very concerned about my account and the potential negative impact to my credit rating, as well as my reputation with Citibank or any other bank that I may subsequently chose to do business with. Further, I am appalled that, since this incident, all my subsequent calls to customer service and attempts to conduct certain banking functions e.g. XXXX money to someone seems to have me under scrutiny and feeling as though I'm the criminal, when clearly I'm the victim. This entire situation has caused me a tremendous and unrelenting amount of stress and anxiety.
In summary, with fraud and scams being so widespread, I believe Citibank was woefully negligent in protecting my account from this breach by not sending out a text verifying that I authorized the wire transfer. Again, in all of the 18 years I have been with Citibank, I have never sent a wire transfer. I later learned there is a difference between a wire transfer and a bank-to-bank transfer or ITT transfer. Apparently the fraud barriers that you have in place don't work. I have been a customer of Citibank for 18 years and have never had any negative activity on my account until this episode. I do not feel my money is safe or my business is appreciated.
As an aside, I'd also like to note that a few weeks prior to this incident I received a text from Citibank asking if I was using my debit card in XXXX. I WAS NOT. Maybe these incidents are related, perhaps not, but clearly there is rampant fraud going on and Citibank knows it ; and as such Citibank needs to bear the responsibility for this fraudulent activity perpetrated against me and restore the {$2500.00} to my account. I would also like to add on a recent conversation with a Citibank representative regarding my XXXX privileges not being reinstated, I asked her about a wire transfer being stopped or canceled and she told me Citibank can do whats called a wire transfer to stop the payment. This is a total contradiction of what I was previously told. Perhaps when I recognized I had been scammed and called the bank to stop the payment, we wouldnt be where we are now. I know wherever the money was wired, there is an end point. We live in a society where technology is pervasive and everything has a footprint. I also learned recently through several reliable news stories that Citibank inadvertently wired money to a vendor and cant retrieve that money. Im wondering if Citibanks error has impacted me getting my money back.
Sincerely, XXXX XXXX
|
| 10/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My husband ( XXXX XXXX ) has been through 2 XXXX and three XXXX XXXX ( he has been on a lot of meds and his XXXX not functions well at all, and me, his wife as his proxy during his hospital stay ) since XX/XX/2021. During his hospital stay in XXXX ( He was hospitalized from XXXX to XX/XX/XXXX ), he received a call from unknown caller saying his XXXX account ( he has/had one with XXXX $ and never check for years ) would be closed and he needed to transfer money to his XXXX account. My husband had all our financial apps on his cell since he was the one who was in charge of our family finance. This is what my husband told me about the scam : " It was a guy who said he was from XXXX. I had purchased some cryptocurrency months before, and now this guy was claiming that my account was now locked, and he could guide me through the steps to unlock it.I was skeptical, but proceeded.
To do this, he told me that I first needed to put a couple of Apps on my phone.
XXXX allowed the scammer to connect to my XXXX remotely and see every move I made on my phone. There was also a record function that he told me to activate so that every move I did was recorded. There must be a record of this somewhere. I have since deleted the app from my phone.
XXXX did a similar thing of giving access to the scammer to see my moves again.
So what was the scam?
OnceI had established a connection with the scammer, he made me go into my XXXX account and purchase specified amounts of XXXX. Amounts totaled in the thousands of dollars.
Yes, I thought I was being scammed all along, but the scammer assured me that all these purchases were just for show and everything would be restored when we were done.
Then, once I purchased the Bitcoin, he had me use XXXX to send the Bitcoin to another unknown account. When I asked who the account belonged to, he said it was one of the senior account managers.I hit SEND.
The guy tried to call me the next day to continue the sabotage. My family was in the middle of raising about $ XXXX from a XXXX effort to raise money for my high hospital bills, and this was taking a bite out of it. Some of the XXXX transfers did not go through right away. I got emails from Citibank saying such info, but I think it all ultimately went through. He kept calling back, but I started to not answer the calls. Then Citibank called me from their fraud dept. I told them I was scammed and gave details.I even mentioned the apps, and insisted that there must be a record of the fraud. '' Since XX/XX/XXXX I had been calling and even went to the XXXX XXXX to report the same and the clerk immediately closed my bank card and block my bank account. The staff from the Citi bank XXXX filed a fraud for me also since every time I called citi bank and they gladly took a note but nothing following. Eventually I received letters from citi Bank on investigation on this cases. Since the scam happed multiples, 4 times through XXXX to the same person ( who we don't know ), total XXXX $ and multiples through XXXX, total XXXX $ ( Bank refunded to our account for this one ). During XXXX to XXXX, the bank kept sending confused letters ( they messed the two cases, XXXX and XXXX XXXX and deny my claim and I went the Citi bank XXXX to have them help me to get the cases going. However, each time it took more than 1 hour to talk with the representative and eventually, the bank manger told me its not their business to help me and I was shouldered off, which I filed a complain to Citibank. Of course nothing happen. I sent them the medical statement from the XXXX ( the XXXX ) to proof that my husband was not able to make decision on such transfer and it was a fraud. Once again they decline the claim through an letter. I had citi bank XXXX people help me to call them to get the investigation information which I should obtain by law. But they didnt send me but just another letter of denial and told me its closed. On XX/XX/XXXX, I called again and open the case, but on XX/XX/XXXX, they told me they remained the same deny and consider this case closed.
It is not only this is my husband medical bills money and I have a XXXX years old son to raise, and we are living on XXXX $ food stamps because my husband is not able to return to work and I have to take care of my husband and my XXXX years old son day and night, but most importantly, the Citi Bank manipulated their power to not fulfill their duty to safe guard our life savings and didnt do any necessary to get our loss back under the condition they were told several times and IMMEDIATELY its a fraud, and they did not send us the investigation after we requested. What they did during this period was sending me wrong letters of denials, and kept me running to the XXXX office for help since every time I called the service number they couldn't put me to the right person to speak, or they had someone who spoke unidentifiable language, possibly English. and every time it took me or the citi XXXX more than one hour to get things going.
|
| 09/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
XX/XX/XXXX - Signed up for a Citi XXXX checking account with an advertised " {$1500.00} welcome bonus with the terms " within 30 days of opening your account, deposit {$200000.00} or more in 'New-to-Citibank ' funds '' and XXXX maintain a minimum balance of {$200000.00} ... for 60 consecutive calendar days ''. Citi 's website crashed while completing the application, which prevented me from printing any promotional, application status or confirmation screens. After the site crashed, I promptly called Citibank and confirmed my application was accepted and promotion activated however I would have to wait until I received my debit card and pin number in the mail in order to deposit the necessary funds since I could no longer transfer the funds electronically as part of the application process because of Citi 's website technical issues.
XX/XX/XXXX - Electronically deposited the necessary {$200000.00} per the terms of the welcome bonus in my Citi XXXX checking account XX/XX/XXXX - Called Citi again ( spoke with XXXX @ XXXX ) to confirm my funds were received within the necessary timeframe to earn the welcome bonus and the 60 day counter would be starting in order to earn said welcome bonus. I specifically asked if I needed to sign up for any additional savings accounts or do any other activities to earn the bonus like making bill payments out of this account and was informed nothing else necessary.
XX/XX/XXXX - 60 holding period satisfied for earning {$1500.00} welcome bonus XX/XX/XXXX - Called Citi XXXX again ( did not write down Citi representative 's name ) and confirmed that my welcome bonus requirements were satisfied in full and I would not have to wait for the bonus to hit my checking account.
XX/XX/XXXX - Called Citi XXXX again to inquire on the status of welcome bonus ( spoke with XXXX ) and was informed that all requirements were met for earning the bonus and I would see it deposited in my checking account within the next 40 days XX/XX/XXXX - Verified my checking account still does not reflect the {$1500.00} welcome bonus XX/XX/XXXX - Spoke with my Citi XXXX relationship manager ( XXXX - XXXX Citi local branch ) who said he would be researching this issue on my behalf XX/XX/XXXX - Spoke with XXXX at Citi XXXX who said I should have indeed earned this welcome bonus based on my banking activity and she would be filing a claim ( ref XXXX ) for the missing welcome bonus. XXXX mentioned that some welcome offers require signing up for a savings account which I was not prompted to sign up for during my application process, but that this was not necessary in order to earn the welcome bonus XX/XX/XXXX - Notified by Citi letter that " we are not aware of any promotions offered in conjunction with the opening of your account '' even though I confirmed with multiple parties that the promotion was active, I had properly applied for it, and had satisfied the necessary requirements for earning the bonus XX/XX/XXXX - Sent additional requested documentation to Citibank to help confirm the welcome bonus offer I had signed up for XX/XX/XXXX - Called Citi XXXX again and spoke with XXXX who confirmed my fax was just received a day prior and I would be hearing back shortly from Citi with a response XX/XX/XXXX - Called Citi XXXX again and spoke with XXXX who confirmed my claim was denied and that the wrong promo code was likely applied therefore she filed a new claim on my behalf ( code XXXX ) XX/XX/XXXX - Called Citi XXXX again and spoke with XXXX who XXXX my claim was still pending XX/XX/XXXX - Called Citi XXXX again and spoke with XXXX who said my third claim was denied due to an invalid or non-targeted welcome bonus Each person at Citi I have spoken with since effectively earning my welcome bonus XXXX XXXX has asked me to provide a promotion code, even though no promotion codes are listed on any Citi XXXX welcome bonus sign up page or anywhere I was able to ascertain during the application process. The only promotion codes I was able to obtain were provided directly by Citi representatives and appear to be an internal codes not visible to customers, and yet I have been repeatedly asked for this code to prove the terms of the bonus I signed up under and that I had indeed met the requirements of this welcome bonus after earning said bonus, but of course not once during my application process or holding period for earning the bonus. This appears to be a bait and switch tactic that Citi is employing ( fictitious welcome offer ), coupled with a fool 's errand digging up promotional codes that do not actually exist or are unavailable to the general public in an attempt to frustrate customers into giving up on the duly earned welcome bonus. I have included welcome bonus offer pages I was able to find shortly after I applied for my account, however I am not sure if they are the exact same offer I applied under ( directly from my logged in Citi credit card account ) considering the website crashed prior to fully completing my application.
|
| 02/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Upon deposit of a Cashiers Check of {$24000.00} at Citibank in XXXX IL at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I requested a withdraw of {$9800.00} to buy a car. They said my check will clear the next business day. The next business day I went to XXXX XXXX XXXX XXXX XXXX location to make the withdraw. An override was needed by a banking associate, XXXX XXXX. He denied me my money and ridiculed my business affairs by suggesting I steal my clients money from the business part of Citibank. My personal account is where the check was deposited. He told me he is putting my account up for review and will request my accounts be closed. I called the police on him. The police had no power. I waited over the weekend then I went back to XXXX XXXX to sit and talk to a banker who worked to get my funds released and she did. I checked my card and it worked. XXXX XXXX can and badgered the banker and me. He ripped the phone from her ear and I stood up and called the police. This matter was referred to a Citibank investigator XXXX XXXX I met with her the next morning to be interrogated for two and a half hours. I called my relative who issued me the check, to answer this investigators questions as well. The check that was reported counterfeit by the fraud department had not immediately verified the check. By the time I met with the investigator XXXX XXXX the check had been verifed four or five times. I was denied the release of my funds. My account was set for closure under fraud. XXXX promised to call me by noon the following Monday on XX/XX/XXXX and she agreed to release the funds where to go. My instinct told me to go to a different branch to receive my funds. There my account was restricted too. The next day XX/XX/XXXX I went to the branch where my accounts were opened and I was told to have a seat that they will prepare to release the funds to me. I was called in and lured in and trapped. The police came to question me again I refused because they were convinced of lies anyway. They said they had evidence of scam and spoken to the scam victims but my relative is not a victim of scam. They detained me with excessive force causing XXXX and XXXX and XXXX XXXX also causing damage to my {$400.00} XXXX purse. And later that hour had to release me because they had no cause or evidence for my arrest but I was charged with resisting when they came in lying and obstructing my justice and infringing on my freedoms. There is no preponderance of evidence of fraud. I suffer XXXX XXXX from my XXXX XXXX. Now I am told that XXXX XXXX Citibank branch says I can not step foot into the branch. The Citibank Customer service agents say going there is the only way I can get my funds from both my business and personal accounts. Citibank deleted my account and refuse to return my calls. 3 Members of Citibank band together against me and deny any other qualified fraud agent to release my funds to me. 3 members practiced what seems malicious acts of deception and wrongfully intended to deceive others unjustifiably claiming that my money that has been held for almost a month is fraudulent. They will not even tell me if they will give me my money. They are giving the impression to me that I will never see my money. In my business account I have {$2900.00} and in my Personal account I have {$24000.00}. They confiscated my card and conjured up untruths, making me suffer and look bad and defamed my name in the banking system. I beg this here agency to help me. As I continue to try to contact the bank the customer service agents are believing the notes. There was notes made on the XX/XX/XXXX that the XXXX XXXX XXXX XXXX reported the money fraud and that there should be a block, Note XX/XX/XXXX to not release funds, Note XX/XX/XXXX to go into the branch all on today XX/XX/XXXX. I called XXXX XXXX XXXX XXXX to see if they made a fraud block request to Citibank. They researched and they said no that they made no such requests or recalls or a call that the check or the cash received was fraudulent nor did they request to block my account. They verified the check to say that it was good and it was paid on XX/XX/XXXX. They said Citibank acted on their own to block my account twice. There are things that tend to happen in threes and XXXX XXXX VP of Citibank, XXXX XXXX proclaimed officer of the Bank, and XXXX XXXX Branch Manager of Citibank, they all conspired against me and none of them has bosses apparently I am told. I request my money and I request pay for this severe, cold, and malice treatment. I request you call the XXXX to confirm of no such block. This is malicious and I refuse to look at it any lesser than of egregious ill-will acts. Read the notes and contact the XXXX XXXX read them the check number. I am not fraudulent. Now most recently XXXX XXXX said I will get nothing back that she has an sworn affidavit that the money is fraud but even still XXXX XXXX XXXX XXXX is only sure that the check has been good and paid and verified repeatedly XXXX XXXX XXXX
|
| 04/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I am writing because I have recently been involved with Citibank customer service, trying to clear up some problems with Overdraft and NSF fees incurred over the past month or so in my checking account ( XXXX ). From XX/XX/XXXX through XXXX XXXXthe account incurred {$270.00} in fees, some of which have since been reversed. The account is currently overdrawn by - {$86.00} and two more fees are about to be assessed for transactions on the XXXX and the XXXX of XXXX. The problem is that the overdrawn amount is all in fees. In fact, looking at the history of the account, the fees are simply creating more and more fees.
As of three days ago, for example, my account should have been back in the black. I talked via Online Chat to an agent about two fees on XX/XX/XXXX and XXXX and one fee on XX/XX/XXXX XXXX a total of {$100.00} ). At the end of the chat, the agent told me ( I quote precisely from the conversation ), I have reversed the fees for you and it will be credited to your account in 24-48 hours. That did not happen. Had it happened, the two recent transactions of XX/XX/XXXX and 21, the ones about to generate NSF fees, would have been covered. Yesterday, when I discovered that the three charges my online Chat agent said would be reversed were not reversed, I started another online Chat but was directed to call Customer Service. After waiting for 1 1/2 hours on hold, I was finally connected to a Supervisor. I tried to explain to her the circumstances of my Chat, hoping to correct the fact that the fees were not yet reversed. I also pointed out that it was getting to be a situation I could not handle because of the loss of work due to the Coronavirus shutdown and my thinly stretched resources. I also let her know that I thought my situation was unfair because it seemed that fees were just creating more fees. We got into just one example, a {$34.00} overdraft fee assessed on XX/XX/XXXX, a fee caused by the Monthly Service Fee of {$12.00}. This is a fee that the bank offered to and did waive as part of their effort to be mindful of and helpful with customers at this time when many of us are facing economic hardship. Before I could even get into the total situation or figure out why the fees I was told were going to be reversed were not, the Supervisor said, No, no, we dont have to waive that fee for you even though it was caused by the fee that the bank is waiving. Her tone was appallingly rude, so I asked her for her name, which she said so quickly that I couldnt understand it. Then, just as quickly, she hung up on me. This made me a little suspicious. Why wouldnt she explain why my fees werent reversed as described? And, are banks legally allowed to generate fee charges from fee charges that are later reversed?
I looked again through my ledger and noted a few things. The first Overdraft Fee in this chain was on XX/XX/XXXX for {$100.00}. The bank reversed these fees on XX/XX/XXXX. This caused the account to become overdrawn by {$33.00}. If that money had been in the account, the next two NSF fees on XX/XX/XXXX and XX/XX/XXXX for an XXXX XXXX XXXX XXXX payment of {$60.00} would not have been assessed because there would have been enough to cover the payment. ( These fees were paid when I deposited {$290.00} in the account on XX/XX/XXXX ). The next set of fees ( {$34.00} each ) comes on the XXXX and XXXX of XXXX for another XXXX XXXX XXXX paymen of {$60.00}. I had made the deposit of {$290.00} on XX/XX/XXXX, trying to make sure this was all covered, but it ended up not being enough because the {$34.00} NSF fee was assessed retroactively to that day, so I couldnt have known about it when I made the deposit. Then the last Overdraft fee appears XX/XX/XXXX, a fee that was, as stated above, caused by the monthly service charge, which itself was waived. Finally, there are the two charges about to be assessed.
I must say, I was really hoping to have all these charges reversed because charges that were deemed reversible caused other charges to occur. In real time, I was trying to keep up with these charges by refuting them and having them reversed and even by depositing enough money to cover them. The situation of fees causing other fees has had a domino effect on the account that I simply will not be able to recover from at this time while we are all under lock-down. I still do not know why the charges that were going to be reversed were not. But all this has certainly worked to the banks advantage. In a month, they would be making off of me 22 times the monthly service charge! Besides thinking that there is something wrong with they way they are creating and assessing fees, I also found the Supervisor with whom I spoke uninterested in my issues to the point of being rude and obstructive as well as completely insensitive to anything happening to Americans as a result of the Coronavirus, this despite Citibanks posturing to act as though it is interested in being helpful.
Thank you very much for your attention to this matter.
|
| 06/29/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Over the past month I have received 3 promotional offers via email from CitiBank. Each offer appears to be offered to me because I already have a Citibank credit card, since each offer starts with something like valued Citi Custom Cash Card cardmembers like you deserve the great benefits I have already opened a XXXX Invest account and a Checking Account promotional offer and confirmed with Citibank I am enrolled in both promotional bonus offers.
On XX/XX/23 I received a promotional offer to open a Citibank Saving account and receive a bonus if the terms were met. I read through the terms both within the email and on the accompanying website. I could find nothing in either excluding me from participating in both the Checking and Saving account promotion at the same time.
XX/XX/23 XXXX ( XXXX ) ( 20 mins ) I called Citibank customer service which reviewed and confirmed according to the terms and conditions of both the Checking and Citi Savings I am eligible for both offers at the same time.
On XX/XX/23 I opened the checking account and the XXXX invest account on XX/XX/23.
On XX/XX/23 XXXX ( XXXX ) ( 13 mins ) I called to open the savings account over the phone as I noticed the online application wanted me to create separate online login information. The representative told me opening it over the phone would allow me to have the savings account linked to my other accounts. I gave her the promotional offer code and she looked it up without issue. She asked for my checking account number which I provided, she stated the system shows I opened the checking account on XX/XX/23 because I opened it on a weekend. There was no discussion of any issues using the code to open the savings account. As I talked with her I decided to wait a day to open the savings account.
On XX/XX/23 XXXX ( XXXX ) ( 29 mins ) I called back to open the savings account. I provided the promo code and after reviewing the terms the representative told me I wasnt eligible because the terms state the promotion excluded customers with a deposit account and the checking account I just opened is considered a deposit account. I stated I did not find the words deposit account anywhere in terms within the email or webpage I received. I then asked to speak with a supervisor. The supervisor then went through the terms of the promo offer and could not find anything excluding me or mentioned anything about a deposit account. She especially reviewed the section about multiple offers but concluded that only applied to multiple savings account offers. I asked her directly So, does this mean I can apply for this offer? She asked, yes she could not find anything that would prevent me. I then asked to open it. She transferred me to another representative to do that. This rep then told me this offer was only available to be opened online or in a branch. I told her the email specifically states, You can also visit your local branch or call XXXX, ext. XXXX and mention offer code XXXX. Her only response was 'I can only open a savings account without the promotion attached '. I then ended the call to open it online. I got an error message preventing me from continuing with the application online.
At XXXX XX/XX/23 ( 13 mins ) I called back and after providing the code was again told my deposit account account excluded me. After arguing back and forth I asked for a supervisor and was told As personal bankers, we dont have supervisors. I told her I was just speaking with a supervisor after disagreeing with another personal banker. She then agreed to transfer me to customer service supervisor. The call got disconnected.
At XXXX XX/XX/23 ( 24 mins ) I called back and briefly described the situation and asked for a supervisor. The supervisor agreed with the personal bankers stating that having a 'deposit account ' ( checking account ) excludes me from the promo. When I stated the terms in the email and on the website for the Bonus promotion do not have 'Deposit Account ' wording at all she made me wait on hold again and then returned to say I must have received the email in error and there was nothing she could do unless I closed my checking account.
I have thoroughly reviewed both the savings account promotional email and website terms and conditions multiple times over the past month and can find no mention of deposit account or anything specifically stating having a Citibank checking account excludes me from this offer.
I have used promotional offers in the past and I know how important it is to carefully read and follow the terms of the offer to acquire any promotional bonus. I have never encountered a situation like this where a bank provides one set of terms and conditions to its customers and then a separate set of terms and conditions to its bankers who are supposed to be assisting those customers. This makes the bank seem untrustworthy and makes it difficult for customers to interact with the bank or for the bankers to accurately advise their customers.
|
| 07/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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XX/XX/2019, I called Citibank Mortgage to learn more about the companys interest rates and mortgage amount limits. My questions were answered by mortgage representative, XXXX XXXX NMLS ID # XXXX. As our conversation progressed, I made the decision to apply for a mortgage in the amount of {$31000.00}, this house was intended to be used as a rental property. During my application process I was asked my race and ethnicity, I was told that this information was voluntary but strongly encouraged so I answered the questions and identified myself as an XXXX American female. Shortly after the application was submitted, I received an email from XXXX XXXX asking for an explanation for a number of accounts that were on my credit report. I emailed XXXX back explaining that one account I was unsure what delinquency it represented but I would find out. The other two accounts in question I explained to her that they were both closed and had been closed for a number of years. Later that day on XX/XX/2019, I was asked to email my W-2s, check stubs, tax returns, etc.
XX/XX/2019 I received an email from XXXX stating that the underwriter was requesting satisfactory verification of sufficient liquid assets, from an acceptable source of funds, in the amount of {$14000.00}.
After emailing XXXX back asking her what was considered satisfactory verification, the amount requested changed. I was then asked to verify that I hadtotal of {$25000.00} in liquid assets. I thought that this was absurd since the mortgage loan I was requesting was for {$31000.00}.
Soon after, I emailed XXXX statements verifying that I had {$41000.00} in liquid assets. Days went by with no response from XXXX.
XX/XX/2019 I questioned the length of time it was taking for a re-approval letter and I was informed by XXXX that the typical turn around time was 3 days but there was a longer than expected wait time.
XX/XX/2019 The house I wanted to buy was sold.
XX/XX/2019, XXXX sent over an email stating that the verification amount had changed again. She explained that funds required to complete loan transaction were estimated at {$29000.00} and that I only verified funds of {$28000.00} and was short by {$1600.00}. She stated " Accounts that show as collections must be paid at or prior to closing. '' " Documentation of the credit cards being paid off would suffice and take the funds needed to verify down to {$28000.00}. '' Apparently, the underwriter took the total of the closed accounts and added it to the assets that I needed to verify.
I emailed XXXX back to inform her that I had verified {$41000.00} and I was unsure what the issue was. XXXX informed me that my 403b balance was not included because they needed a more up to date statement. I was livid, because I am only issued a statement quarterly and I email XXXX the most recent one. But more importantly because they disregarded an entire account as they did the rent I receive from my current tenant.
XX/XX/2019 I email XXXX XXXX documentations verifying that the accounts in question were closed and had been closed for a number of years.
XX/XX/2019 XXXX sent an email stating The loan is not fully declined or approved. The underwriter is still looking to decline due to the delinquency of the accounts that you can not provide proof of paying. This is unacceptable payment history and the file is awaiting the audit of the underwriter review for a full decline or for the decision to be over turned.
My issue is that throughout this entire process, I was never asked to provide proof that these accounts were paid, I was asked to prove that they were closed, which I did.
At that time I requested to speak with a manager. I received a call from XXXX XXXX, who was very unhelpful. He told me that my application was going to be declined, and that he would try to get my decline expedited, even though I was previously told by XXXX that it would have a second review for a final decision. I was devastated, not because of the denial but because I felt alone and helpless. I knew that I was getting the run around and treated unfairly. Last year I was approved for a mortgage with XXXX XXXX, so I know that I can go to another institution but the distress that this entire process caused me was unreal. I answered every question and verified everything that I was asked to verify even when the requested information had changed. I have three accounts with Citibank, so I imagined this to be a professional and less damaging process but it wasnt. It just leaves me to believe that the decision was made out of discrimination and not my ability to pay the loan.
XX/XX/2019 I sent XXXX an email to check to see if this application was officially closed. She responded " Not completely closed out. It shows it is still in second level review for full decline. You will receive the notice of the decline once it is completed. Have a safe and wonderful holiday! '' again I ask, if a second review has not taken place, how am I already denied?
|
| 02/11/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On or about XX/XX/XXXX, an order was placed through XXXX for a XXXX XXXX notebook computer and charged to my account ( XXXX 's credit card account no. XXXX ). I did not place this order. I did not receive an email confirmation from XXXX for this order at the time the order was placed. I first learned of the order when I received a shipping confirmation email from XXXX on XX/XX/XXXX. I immediately contacted XXXX Customer Service Department and informed them of the unauthorized transaction. I spoke with customer service representatives, XXXX and XXXX who 1 ) contacted XXXX to stop delivery of the merchandise and request that it be returned to XXXX, 2 ) removed the charge from my account, 3 ) canceled my account and issued a new account number and 4 ) canceled and reissued my XXXX credit card. At the conclusion of the call, I was assured that these actions were taken and the matter was resolved.
A few weeks later, I received a request for information from XXXX XXXX XXXX XXXX Department regarding the unauthorized transaction. After reviewing the information provided on my XXXX account ( which confirmed that all actions concerning this matter had been resolved per my earlier discussions with customer service, including but not limited to the fact that XXXX intercepted the delivery of the merchandise and returned it to XXXX warehouse and the charge had been removed from my account ), I provided a brief overview of the circumstances regarding the unauthorized transaction. A copy of my response is enclosed.
Two months later, I received the XX/XX/XXXX letter stating that the Fraud Department has completed its review of the matter and that I was responsible for the transaction and that the charge was reposted to my account ( note : they closed my original account and opened a new account, XXXX ).
This is ridiculous. As previously stated, l did not place this order. I did not authorize anyone at any time to place this order on my behalf. As soon as I became aware of the order, I contacted XXXX customer service. XXXX XXXX representatives then contacted their third party vendor, XXXX, who intercepted the package and had it returned to XXXX warehouse. This information is readily available on both the XXXX website and the XXXX website but XXXX XXXX has apparently not checked. I am attaching a copy of the detailed tracking information and delivery confirmation from XXXX regarding this order.
To date, Ive spent several hours discussing this matter with various customer service departments and the Fraud Investigation Department. During my XX/XX/XXXX conversation with " XXXX '' in the Fraud Investigation Department, I advised him that I disputed XXXX 's findings in this matter and provided him with a detailed account of the facts in this matter. He admitted that XXXX 's investigation into this matter was cursory at best. He also informed me that it could take between 30 and 90 days for this matter to be reviewed again by a specialist. It takes thirty seconds to see that Im being charged for an item that I never ordered, never received and that is in XXXX possession. In the meantime, my account remains overdrawn and the resulting delinquency will be reported to credit bureaus. I am being unfairly penalized for glitches in XXXX systems and overall incompetence.
Ive been a XXXX customer for over fifty years and a XXXX cardholder for twenty-six years. I am also a retired senior citizen on a fixed budget who has been dealing with serious health issues and the stress from this matter has exacerbated my condition.
I don't deserve to be treated this way. No one deserves to be treated this way. This is a clear example of unfair and abusive practices by XXXX XXXX and the issuer of XXXX 's credit card, Department Stores National Bank. Please note that Department Stores National Bank is a subsidiary of Citigroup.
I know that the CFPB has fined and reprimanded Department Stores National Bank previously for unfair, deceptive, and abusive acts and practices. How are they permitted to handle a matter this way? They basically did no investigation and hoped that I would just give up. I am not giving up until this situation is rectified. I refuse to have to pay for something that I didn't order. Not only did I not order the product, but it was returned to XXXX 's by XXXX shortly after the order was cancelled so they are trying to get me to pay for something that they have in their possession!
How many other people has Department Stores National Bank done this to? I have a call scheduled with a reporter from a well known publication to discuss my situation, as she is working on a story about how unfair and abusive practices by financial firms have risen since the budget and staffing cuts at the CFPB and she is interested in including what has happened to me. This is a perfect example of how financial firms take advantage of consumers when they believe that no regulators are going to have the resources to investigate and punish them.
|
| 09/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I received a Citi Rewards + Card on XX/XX/XXXX with a credit limit of {$2500.00} including a cash advance limit of {$800.00} with no interest on purchases until XX/XX/XXXX. I have always made my payments on time and pay over the minimum amount due when my finances where enough for me to do so, if not I paid the minimum. Looking back over my statements I found that I made a mistake in XXXX. My min due was {$25.00} due XX/XX/XXXX, I paid {$35.00} on XX/XX/XXXX and {$300.00} on XX/XX/XXXX and {$40.00} on XX/XX/XXXX to try and show I am a good customer. I got charged a {$25.00} fee for being late. After that I paid each month on time and paid slightly more than the minimum payment. I used my card heavily and by my XXXX statement my balance was {$2400.00} leaving my available credit at {$53.00}. Due to the pandemic I had no income for 17 weeks. In XXXX I received 8 weeks worth of unemployment and on XX/XX/XXXX I made an extra payment of {$500.00}. Being a single mom most of my life, I like to know I have money to fall back on " just in case ''. Well on my next statement I checked my available credit and it was only {$42.00}, after I made a {$500.00} payment. I called and found out that my credit limit had been lowered to {$2000.00} and the reason I was told at that time was due to the covid19 and that these are hard times for all of us. So I was willing to accept that excuse, but it didn't set well with me. Then over the weekend I was looking at my credit score because I had paid off a few other cards and saw that since Citi lowered my limit my score had dropped. So I called them on XX/XX/XXXX and I was told that my limit was dropped because my credit score was low in XXXX and they did a 6 month review. He insisted that it had nothing to do with the fact that I made a large payment ( XXXX! ) He insisted that this is normal for them to do in 6 months time. I got my card in XXXX so 6 months after that would have been XXXX and after arguing with him I demanded to speak to a supervisor, which only ended up making me more irate. He would not budge at all and try to fix anything for me. Not to be rude, but I couldn't understand a lot of what he was saying due to the fact they apparently live in a different culture, but I do believe they use that to their advantage. The only thing he used in Citibank 's defense was that I am paying no interest, which yes I am paying on my cash advances on top of fees too. So I proceeded to tell him I will slander their card to everyone I could which will include reviews and XXXX ( it's the best I could come up with at the time! ha ha ) and hung up on him. So, this morning I called them again and spoke with a woman named Sue whose employee ID is XXXX and I asked her if I hadn't made the {$500.00} payment, would I ended up being over my credit limit by {$500.00} and owe Citibank all kinds of fees as well? Her answer was yes. I have all my original papers when I received my card and the only thing I found pertaining to credit limits on page 3 which states, '' we assign a credit limit to your account. Part of this credit limit may be available for Cash Advances you can take in a given period. We may authorize Transactions that cause your balance to exceed your credit limit. '' My credit score as of XX/XX/XXXX was XXXX according to XXXX. I haven't checked my score to see what it was in XXXX, but I will. I don't want to lose all I have written thus far, and with my luck I'd check it and come back and all of this will be gone. ( I'd probably end up smashing my computer ). Back to XXXX ; I asked here where it states that Citibank has the right to lower my limit due to my credit score, and I would look for it in my papers. She said in the terms and agreement, which I briefly looked for then told her to read the terms to me and she proceeded to tell me she didn't have them. I said well, look it up on your computer, nope couldn't do that either. I then asked how she knew it was stated in the terms of agreement and she said she " 'just knew ''. I asked her if she thinks her job insults her intelligence and she didn't answer. I told her I was turning them in to the authorities and hung up.
I am appalled by this company and their actions. I was truly grateful for the card and it got me through the pandemic and I never saw this coming. Why would they check my credit score especially during the pandemic? If I had known this was gon na happen I would have used my {$500.00} towards one of my other cards and my score would have gone up instead of down. Now all they'll ever get from me is the bare minimum which according to them will take me 11 years to pay off and most likely I'll be dead before then ... .. so they're screwed. Hopefully I can help someone else when I write reviews on them so they don't end up like me. I would love to get more than that, possibly get a class action law suit? I'm a very passive person but I'm beyond tired of being treated like I don't matter and that I'm XXXX.
Thank you!
|
| 08/28/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
- In ~XXXX XXXX, I opened two bank accounts at Citibank in XXXX XXXX XXXX Massachusetts , with my tenant. One account was the deposit for a rental property, and the other was the management account - through which rent would be paid, etc.
- I logged in online shortly thereafter and verified that there were two accounts and both of them had initial deposits. I have an initial statement from the account opening.
- In XXXX, I realized I only had access to one account and visited Citibank in XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, trying to restore access to the second account. They searched for the account by my name and social security number but could not find it.
- On XX/XX/XXXX, I visited the branch at XXXX XXXX XXXX in XXXX XXXX, trying to restore access to the second account. I spoke with a manager who also couldn't find the account. She asked me to call the Fraud department at XXXX. I sat in the branch and called the fraud department, who passed me to XXXX at customer service.
XXXX told me to call XXXX on Monday to speak to the back office team who should have visibility into how the accounts were merged. We think the account was merged to some other branch when Citibank pulled out of Massachusetts.
- On XX/XX/XXXX, I called the back office team and got forwarded to XXXX, an account specialist. He opened a case to look for a similar account, created on the same day, with the same people. He gave me a case number and told me that they would contact me in 5-7 business days. He also noted that I didn't have access to the business login, and he would send me instructions on how to get my business login back.
- XX/XX/XXXX, I received an email saying I had a secure message, but when I logged in online I couldn't see any messages. I tried working with the online help chat, but they couldn't help me. They said the message must have been sent to my business login, which I don't have access to. I was passed to the customer service line at XXXX - speaking to XXXX at XXXX. He suspects that I cant see it because Im logged into the personal customer portal. But I cant login to the business portal because my login has been canceled. XXXX looked up my business case number and told me that someone had updated the case file today - they have performed an investigation and closed the case, they couldnt find anything. He recommended that I call the business team tomorrow to follow up at XXXX.
- XX/XX/XXXX, I called the business team again. I spoke to XXXX, who forwarded me to an account supervisor, XXXX. After chatting with XXXX about the documentation I have, XXXX said that it is a sub-account associated with the control account ( the account that I have access to ). She says that if the account was opened online, I should be able to see it, but I said I opened it at the branch. She says we can not see things that a branch opens and there is an office at the branch, but I told her the branch is closed, it has been closed for four years. Shes looking for the branch that opened it.
She told me to contact the branch at : XXXX XXXX XXXX XXXX, Connecticut, XXXX I contacted the XXXX branch and spoke to XXXX, who passed me to his supervisor XXXX. XXXX took my name and number and account information and said she would track this down and call me back.
- XX/XX/XXXX. I called the XXXX branch to check in, but XXXX wasn't working that day - they said something about a temporary situation with rotating managers. I spoke with XXXX, a manager who put in a request with the back office team ( who I'd already spoken to! ) to send her copies of the original account opening statements from XXXX. She said this would take 24 hours, and I said I'd call her back.
I XXXX Citibank : @ Citibank @ XXXX I'm looking for an account. I've been in contact with 3 branches, the back office department, the fraud department, and nobody can find what happened to this account - despite my having documentation from Citibank that shows this account existed. Help?
- XX/XX/XXXX. I called the XXXX branch back, but they were closed ( they close early on Wednesdays ).
I called the back office team again - I have more documentation now and I'm sure what the account number is. I'm speaking to XXXX at escalations, and I give her my account number and she says it doesn't exist. I say that I have a statement in front of me that shows that it existed, can she track down what happened to it? She takes my name, social security number, and asks for the name of my business, but I don't know what the business name is. She tells me she can not verify me and therefore I need to go to a branch.
I tell her that I've been to three branches and I am happy to go back to a branch, but what will they be able to do? She says they can verify me. I said they weren't able to find the account last time, why will they be able to find the account this time?
At this point, I am submitting complaints to the FRB, OCC, and CFPB. I have no response from Citibank on XXXX.
|
| 04/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
COMPLAINT : Sears Citi MasterCard fraud team is in denial of fraud in lieu of evidence and three other cards who determined fraud in a four way identity theft and fraud scam. The Federal Trade Commission states that card holders are not responsible for fraud and are entitled to their account information from the Bank Card companies. Sears Citi policy statements of denying fraud is the opposite of FTC and Florida state governments definition of identity theft fraud.
From the beginning the experience with the Sears Citi fraud team was elusive compared to the other three companies who quickly determined fraud. Citi Sears intentionally avoided giving me statement information for seven months and have refused to give me the fraudulent application information that was critical component of fraud in the other three accounts who determined fraud. It is inappropriate to rule against me while Sears Citi is intentionally withholding information. Their excuses are ambiguous and continue to shift. In essence, the fraud team is aligned with the identity thief and their attitude encourages fraud by falsely attempting to blame the victim to hold responsible a system culturally biased against women dependent upon a husbands income. In this case husband has turned out to be a con artist. This is not just a marital issue, but identity theft crimes have been committed using my good credit, social security information and misleading information to be added to my two existing accounts as an authorized user and the fraudulent creation of two new credit card accounts in my name without my knowledge or permission. And in the case of XXXX XXXX XXXX card, the purchasing transactions are probably wire fraud. I invite any independent third party to review the ten months of my documentation and evidence by the three credit card companies to determine otherwise.
This Sears Citi MasterCard account is one of four charge card accounts reported on my XX/XX/2019 FTC report of identity theft totaling over {$25000.00} balances by former con artist husband whom I am divorcing. Three of the other card accounts have acknowledged fraud and removed their balances : XXXX XXXX ; Citi Simplicity and XXXX XXXX XXXX. XXXX XXXX was an existing account like the Sears Citi whereas Citi Simplicity and XXXX XXXX XXXX were new accounts opened fraudulently.
From the beginning Sears Citi account has been uncooperative : ( 1 ) Initially told me they could not help as fraud was not possible in a marital situation ( 2 ) Mis-represented and delayed for seven months giving me requested statements for me to evaluate the identity theft transactions as the mail was hidden by my husband. ( 3 ) Have refused to give me requested application profile copies of husband fraudulently adding himself as an authorized user to my account. ( 4 ) Gave me non sensible excuses ruling against me. Excuses include : a ) no such thing as marital fraud ; b ) I must have known about the fraud since I did not report it ; c ) I benefitted from the fraud ; d ) if fraud, why no police report ; etc All of these excuses to rule against me addressed in many months of correspondence.
In the other three fraudulent accounts it was determined in the application processes were fraudulent -- identity thieves tend to be repetitive. It was only after I appealed to Sear Citi Bank president 's office after seven months that the statements were finally provided which show purchasing patterns and maxing out the balances identical to the other three fraudulent accounts.
The appeal I provided to the presidents office included a folder full of correspondence confirming the fraud acknowledgments by the other three companies and the back and forth letters between Sears Citi representatives and me. The letters not only showed my numerous requests for account statements, but that I even sent back the irrelevant information they were sending so they could see what I was receiving -- thinking it was a mistake. Now I know it was intentional as they kept sending mis-information. The presidents office finally committed to send my statements after seven months of effort and I did receive them. But I never have received the application profile I requested numerous times verbally and in writing. My appeal to the presidents office was rejected, basically repeating the same obtuse reasons of their staff.
On numerous occasions I was assured by staff that my account statements would be sent and on three occasions the same summary statement of credits and impossible interpretation of the numbers were mailed to me. I even mailed them back for the fraud team to see what I was actually receiving. I now believe it was intentional to prevent me from comparing to the other companies statements to match the trends and spending habits that were previously deemed fraudulent.
Thank you for reviewing my concerns with my Sears Citi MasterCard which I cancelled in XX/XX/2019 once I discovered the four way credit card scheme.
|
| 08/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I first opened a dispute on XX/XX/XXXX for my card. The dispute was in the amount of {$3400.00} that was paid on XX/XX/XXXX as a retainer to a caterer ( XXXX ) who was supposed to provide catering for my wedding on XX/XX/XXXX. In the initial dispute, I indicated that I never received the goods/ services despite paying the deposit and signing a contract that the merchant would provide the goods/ services at my wedding on XX/XX/XXXX. I was contacted by the company via mass email to clients on XX/XX/XXXX and informed that they would not be fulfilling any future contracts and would also not be offering refunds. I waited until after our wedding to file the dispute to ensure that the services we paid for were not delivered and to give time for the merchant to respond to an attempt to remediate the charges outside of a dispute.
In XXXX, I noticed that the temporary chargeback had been cancelled. When I called the dispute center ( I believe it was around XX/XX/XXXX ), I spoke with someone who let me know that a response was received from the Merchant and that the dispute was not found in my favor. I was also informed that I would be able to see the letter detailing why I was found responsible. I was told I should receive a digital version on the XXXX of XXXX and was also told to not do anything until I received a physical letter in the mail. The person I spoke to let me know that my next steps should be to read the letter I would receive in the mail, sign it, and send my response back to the dispute center. At that time. When I read the digital copy of the letter that was delivered to my online account on XX/XX/XXXX, the merchant 's response indicated that I did, in fact, receive the goods/ services and that the charge was not a fraudulent charge. Based on the information provided, it appears the argument was that it wasn't fraudulent due to a previous charge from the same merchant that was not disputed. I waited for the physical letter I was told I would receive, but it never came. At that time, I decided to submit my response digitally after re-reading the digital copy of the letter and finding the email contact for the dispute center.
After submitting this information, I did not hear anything from Citi. I never received confirmation that my response was received or any updates. I called the dispute line on XX/XX/XXXX to ensure the information had been received and inquired about any other things needed from me. The person I spoke to let me know that the dispute case was reopened and under review. I was told that I should have received communication when this happened and was given an apology that I wasn't notified when my response was received. The agent on the phone also told me she was filing an internal complaint that I didn't receive any information and that I would be getting XXXX XXXX miles as an apology. Before we finished our conversation, I was also told that I would be contacted with more information in 5-10 business days. After waiting for communication and not receiving it or the promised apology bonus miles, I called again on XX/XX/XXXX. At that time, I was told the dispute was open and was in the final stages of review. I was also told that I didn't need also told me that the delay happened because the dispute team had to check with XXXX before reopening since the charge was from last XXXX. I was also told that the case had been escalated to a dispute team specializing in high amount charges. The agent also informed me that he was able to look at the calendar of the team in charge of my dispute and that I was scheduled to receive a response on XX/XX/XXXX. On XX/XX/XXXX, I received an email letting me know I had a new dispute letter. When I went to my account, the letter indicated it was delivered on XX/XX/XXXX, the day after I spoke with an agent. The letter I received simply stated that the dispute was closed because they did not receive the response from me by XX/XX/XXXX.
I do not understand why during the 90 day dispute process I was not allowed to submit documentation to help prove my case that services were not received. Their investigation did not look further than what the merchant provided despite the high value charge and explanation that did not make logical sense. I was then only given 15 days to respond to the investigation, but was misled on when I would be able to start this escalation process and led to believe I required the physical letter before responding. I was not told during these calls that the case would become permanently closed without a dispute within that time period which lead to my lapse in responding. This process does not feel well managed for a case this simple which would have verifiable proof of services not rendered via a contract for the charges and emails from the vendor that prove there was no intention to supply these services. Furthermore, why did the agents lie to me on the phone about my dispute being reopened if nothing was actually happening.
|
| 03/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX a {$2000.00} fraudulent transaction done via XXXX was disbursed from my account ( at Citibank ) with out my authorization. I've tried to claim these funds back but Citibank has declined both of my claims.
On Friday XXXX XXXX, XXXX I had a busy day and I didn't pay attention to my cell phone. After work I had an appointment at approximately XXXX pm and I rushed from work to arrive on time. After arrival I noticed that my cellphone service was operating irregularly. After about an hour my cellphone service was off. After I finished my appointment I tried for a couple of hours to get my cellphone service restored. I wasn't successful so I called the cellphone company ( XXXX ) the next day ( XX/XX/XXXX ). It wasn't until XXXX that I found that my phone number had been stolen ( ported out ). It was also on this day that I found that I was an identity theft victim. Various transactions were made from apps that I use such as XXXX XXXX XXXX, XXXX, XXXX, XXXX and numerous others. My emails were compromised and my passwords were changed. My passwords were changed on the Financial apps and checking and savings account as well. The assailant transferred {$2000.00} from a XXXX app that's attached to my Citibank online account on XX/XX/XXXX. On XXXX I spoke with both Citibank Banking and also the Credit Card division to prevent any further issues. On XX/XX/XXXX I went into the local branch ( XXXX XXXX XXXX XXXX XXXX, New York ) and XXXX XXXX ( XXXX ID : XXXX, XXXX ) a personal banker contacted the Fraud division of Citibank to claim back the fraudulent transaction to my account. I had already contacted the three Credit agencies and advised them of what happened. On XX/XX/XXXX I also filed a police report. Within a day to three days provisional credits were awarded for all of the charges except the XXXX XXXX transaction. XXXX XXXX and myself were told by the Fraud Specialist that the credit for the XXXX would post within 10 business days.
So I waited to get my phone number back and to get the XXXX XXXX funds. Approximately the end of XXXX I received a denial letter for the XXXX reimbursment claim. It read as such : We have concluded that there are elements of your claim that lack credibility. Given the results of our investigation, we believe that the transactions that comprise your claim must considered authorized and as a result we are unable to honor it.
i did receive my number back within a week and a half. On about XX/XX/XXXX I went to the Citibank branch near my job ( XXXX XXXX XXXX XXXX XXXX, NY ) and spoke to personal banker XXXX XXXX XXXX ( XXXX ID : XXXX phone number XXXX ). He informed me that he saw that the Fraud group were still working on my case and to wait a bit longer. So in XXXX I received another letter ( dated XXXX/XXXX/XXXX ) indicating that the previous Denial stood. I went and spoke to XXXX on about XX/XX/XXXX and he told me to disregard the two denial letters that he would follow up with the Fraud group to get the issue resolved. However when i spoke to him in XX/XX/XXXX nothing had changed. He said that he would submit another claim with my police report to help bolster my case. I haven't spoken to him since.
I called the Fraud Department on XX/XX/XXXX and spoke with XXXX ( ID # XXXX ). she mentioned that there are only so many appeals that I could submit and that i should gather as much documented proof of Identity theft and fax it along with an appeal letter. She mentioned that the previous submissions should have had some back up ( I was never asked to provide any back up for the previous submissions with the exception of the XXXX meeting with XXXX XXXX XXXX XXXX ( he asked for the police report or Incident Information form that I provided him with ) ). So I prepared an appeal letter and gathered all of the documentation that I could gather. I was prepared to fax the documents but decided to call Citibank to confirm the fax number. It was then ( XX/XX/XXXX ) that I spoke to XXXX ( a client service supervisor ) who informed me that he has experience in resolving fraud issues and that my fax would be of no use and that I was incorrectly informed. He mentioned that the appeal would have to be done via a representative of the bank and not directly by me.
So now I am stuck. I do not know how to proceed. I did not know what XXXX was before this issue and I do not know the person to whom this XXXX transaction was sent to. i keep my money in the bank thinking that it is safe. I feel like my money has been hijacked. I noticed that Citibank did suspect that something was wrong because they did try to contact me to confirm the transaction but I didn't notice their attempt until the next day ( XX/XX/XXXX ). However they never tried to call me. Every other institution that was impacted has cooperated and provided reimbursement. Citibank has reimbursed approximately fifteen transactions except this one. Any assistance that you can provide to resolve this issue will be appreciated.
|
| 01/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
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On XX/XX/XXXX, I was approved for an XXXX EIDL for financial assistance for my XXXX XXXX. The EIDL was deposited into my personal banking account with Citibank. I also had other funds in the account from clients and myself that had been previously deposited. Several days after the EIDL was deposited I discovered that my banking account with Citibank was under investigation for fraud and in the process of being closed and that I would not have any access to the funds in the account until the account was officially closed. The way I discovered this is because I could not log into my account online and called Citibank and was informed that the account was under investigation and in the process of being closed. During the call, The agent told me that they could not disclose any information over the phone and that I would receive a letter in the mail within 30 to 60 days. I never received a letter. I contacted Citibank several days after this to inquire about what would happen to the funds in the account and was told that the funds that were ACH deposits would be returned to the originating source, including the XXXX EIDL loan and that the funds that I deposited would be released to me in the form of a check in the mail.
After 60 days I had not received a letter or any sort of notification from Citibank so I contacted Citibank to inquire about the status of the account and the remaining funds and was told that the account was still being investigated and had not been closed and hence the remaining funds could not be released. Meanwhile, I was anxiously waiting for the account to be closed and the funds to be returned to the SBA so that the SBA could redisburse the funds. The survival of my business was dependent upon the EIDL funds and I was steadily losing clients because I did not have access to the EIDL funds to continue to operate my business. I continued to call Citibank weekly to get an update and was continually told that the account was still being investigated, still had not been closed and that I could not access the funds in the account. Finally, on XX/XX/XXXX, I called Citibank and was told that the account was closed on XX/XX/XXXX with the remaining balance being XXXX and that the EIDL funds were being sent back to the SBA and the remaining funds left after the EIDL funds were subtracted would be sent to me in the form of a check in the mail. I asked to what address the check was being sent and was told that it was being sent to an old address ( Although prior to this I asked Citibank multiple times to update my address to my current residence ). I informed the agent that the address was incorrect and requested a stop payment to be placed on the check and to have a new check sent to my new address. The agent assured me that a stop payment would be placed on the check and that a new check would be sent out to my new address within 15 business days. 15 days passed and I did not receive the check so I called Citibank to ask where my check was and I was told that it would take 30 to 60 days to receive the check. It has been well past 60 days since the account was closed on XX/XX/XXXX, and I have yet to receive the check. Also, the United States Treasury, SBA, has not received the funds from the EDL that was deposited into the account. Neither have any of the other agencies and clients that deposited money into the account via ACH. I have called Citibank multiple times and can never get a straight or accurate answer. Each time I call I am given conflicting answers. I have been told that the money was sent back and a check sent out. I have been told that the money is still there with Citibank and in a sub-ledger. I have been told that I can go to a local branch to pick up the check ( there are no local branches in my state ). I have been given several different amounts for the final check. I have been given several different dates and timeframes for when the check will be reissued. Lately, for the past 3 months every time, I call I am told that a ticket will be escalated to the back office and that a supervisor would give me a call within 24 to 48 hours. I have yet to receive a call from a supervisor. When I reach out to Citibank bank after 48 hours from my last call I am told the same thing which is that a supervisor will reach out to me or for me to call back in another 24 to 48 hours. This cycle has gone on for 3 months.
As a result of all of this, I have lost my business because the money from the EIDL that was purposed to maintain my business operations have been tied up with Citibank, and Citibank can not give an account for those funds. I have also been evicted from my home. I have experienced a host of hardships because for nearly 6 months Citibank has held onto my funds that should have been released months ago.
Citibank has not given an accurate and clear account of the whereabouts of the {$77000.00} that remained in the account at the time of the account closure on XX/XX/XXXX.
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| 08/28/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ACCOUNT VERIFIED RESPONSE I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #.
According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$760.00} {$760.00} {$760.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$780.00} {$0.00} {$760.00} XXXX XXXX : {$400.00} {$400.00} {$0.00} Past Due : {$760.00} {$760.00} {$760.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. Consumer disputes this account information Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT PS!
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
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| 02/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have been using a CITIBANK credit card. When I checked my credit card account on phone I noticed 9 fraudulent charges, when the card is still in my possession. These charges, according to the statement ( please see attached file " attachment1-XX/XX/XXXX-statement.pdf '' ) are during the dates XX/XX/XXXX to XX/XX/XXXX, used in different states ( GA, PA and CA ) over 9 transactions listed below : ( 1 ) XX/XX/XXXX XXXX XXXX XXXX XXXX GA {$19.00} ( 2 ) XX/XX/XXXX XXXX XXXX XXXX XXXX GA {$20.00} ( 3 ) XX/XX/XXXX XXXX XXXX XXXX XXXX GA {$25.00} ( 4 ) XX/XX/XXXX XXXX XXXX XXXX GA {$270.00} ( 5 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA {$280.00} ( 6 ) XX/XX/XXXX XXXX XXXX XXXX XXXX GA {$19.00} ( 7 ) XX/XX/XXXX XXXX XXXX TUE XXXX XXXX CA {$3.00} ( 8 ) XX/XX/XXXX XXXX XXXX XXXX GA {$25.00} ( 9 ) XX/XX/XXXX XXXX XXXX XXXX PA {$19.00} On XX/XX/XXXX at XXXX EST I made a call to CITIBANK at XXXX and reported these nine charges. I was on call for about 18 minutes. I mentioned I have the card in possession and I have not used by card anywhere after XX/XX/XXXX to get a hair cut at XXXX XXXX, XXXX, GA. The customer care representative recorded the complaint and she said that the company will send out a new card. She also mentioned that apart from these 9 transactions, there were a lot more charge attempts made on my account, which made their security system to block the card preventing further charge attempts, as a security measure. I indeed asked the representative why I did not receive any mobile alert about these transactions. Anyway, the issue was put under investigation by the company. The billing cycle ended the following week, and I checked my online statement for the month of XX/XX/XXXX ( please see file " attachment1-XX/XX/XXXX-statement.pdf '' ). The company had given me credit for 1 out of the 9 reported transactions by then. The company gave credit for this transaction : ( 1 ) XX/XX/XXXX XXXX XXXX XXXX XXXX GA {$19.00} I had been waiting for refund/credit on the remaining 8 transactions ( numbered 2 to 9 ) pending the outcome of investigation. I have been calling the CITIBANK CARD SECURITY OPERATIONS TEAM at XXXX regularly to check the status. Four weeks passed by and I received my new monthly statement for XX/XX/XXXX ( " attachment2-XX/XX/XXXX-statement.pdf '' ). I came to know via statement that I did not receive credit for 4 out of 8 fraudulent charges. The company gave me refund for the following four transactions : ( 2 ) XX/XX/XXXX XXXX XXXX XXXX XXXX GA {$20.00} ( 3 ) XX/XX/XXXX XXXX XXXX XXXX XXXX GA {$25.00} ( 7 ) XX/XX/XXXX XXXX XXXXE TUE XXXX XXXX CA {$3.00} ( 9 ) XX/XX/XXXX XXXX XXXX XXXX PA {$19.00} Apparently, for the remaining four disputed charges CITIBANK decided that the remaining four transactions were made my " ME '' and therefore they were not liable, which is where I DISAGREE. I was not covered for these fraudulent transactions as a final resolution by CITIBANK.
( 4 ) XX/XX/XXXX XXXX XXXX XXXX GA {$270.00} ( 5 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA {$280.00} ( 6 ) XX/XX/XXXX XXXX XXXX XXXX XXXX GA {$19.00} ( 8 ) XX/XX/XXXX XXXX XXXX XXXX GA {$25.00} To summarize, out of 9 fraudulent transactions that I reported, I was covered for 5 of them.
I attempted to contact CITIBANK in the following days after the XX/XX/XXXX statement was released. As a followup, on XX/XX/XXXX, I received a call from a supervisor at CARD SECURITY OPERATIONS TEAM saying that the chip card can not be faked and therefore I was liable for the remaining transactions, not the company! On XX/XX/XXXX, I called back the CARD SECURITY OPERATIONS TEAM at XXXX and I placed a request for CLAIM DENIAL LETTER in writing stating the reason for denial of credit for 4 billing disputes. They told it will take two business days to process my request. I called them back on XX/XX/XXXX, to check if the letter has been sent out and the representative confirmed that it was sent out. Today is XX/XX/XXXX, and I have not received any mail at my address. I decided not to wait any more and seek the assistance of Consumer Financial Protection Bureau in this matter.
By law, CITIBANK is required to send the billing dispute resolution via mail. I have not received such a letter, despite making explicit requests for it.
By law, CITIBANK is accountable for all the amount except for XXXX dollars of customer 's liability, when the card is in customer 's possession. But instead, what I find interesting is that, in my case, the CITIBANK has limited their liability to under XXXX dollars ( {$88.00} is the exact amount out of fraudulent charges amounting to {$680.00} ). This is clearly a case of " cherry-picking '' to limit liability to as low as possible, isn't it? I can not think of any other possible reason why I was given credit for only selected transactions.
Oh, by the way, please read this interesting advertisement of 0 % fraud liability at the following website : XXXX XXXX XXXX It's very funny now that I read it.
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| 04/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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|
Web |
Servicemember |
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On the night of XXXX XXXX I tried to make an order from the website https : XXXX for the amount of {$120.00}. I tried to pay with my business card from CITIBANK. This transaction wasn't approved. Next morning, on XXXX XXXX, I received a call from the fraud department of CitiBank. I didn't answer it because my phone was turned off overnight.
When I heard their message I right away called back it probably was XXXX min after I received their call. The agent asked me a few questions and informed me that my account was open and I could use it.
Almost right away I tried to order from the same website again ; however, again my purchase didn't go through. I called CitiBank again and, after talking with the representative, I had been promised that someone from the fraud department would call me the same day.
No one called me back.
On Monday, XX/XX/XXXX, the first thing I did was to call the bank, however they continued to transfer me from one person to another without being able to provide me any information of why my account was blocked, or to answer any of my questions in a manner that satisfied me, or even made sense, or how long it will take for things to resolve. Each agent continued to tell me that they belong to the fraud department and, somehow, they seem to be all supervisors even.
It is important for me to mention that the account Im talking about is a business account of 5 years ; that my account was always in good standing, and that I did have sufficient money in the account to cover all my purchases. I had also made purchases on this website before and the amount that I was charging was about {$120.00} USD, not a major purchase of thousands of dollars.
At the end of several days and many attempts at trying to get information regarding my account and my situation with the bank, with my money locked up and an utter inability to do anything on my part, I was promised that someone would call me back within the next 48 hours.
Such a call never happened, and I never received any pertinent information. I thought that the issue was that I ordered from a website that is not American, but I was never advised about anything I could understand. While all this was happening, I also needed to transfer {$9000.00} from my XXXX XXXX account to the CitiBank account in question.
On Thursday, XX/XX/XXXX, I called the bank, yet again, to try to obtain information to understand where or what the issues were but, after talking to agents, and what were said to be managers, all I was told was that my account had been closed, without any other explanation or reasoning. That was the supposed fate of all my Citi accounts, business and private. To this day, Wednesday, XXXX XXXX, I have yet to be given any reason why my accounts were blocked, closed and or removed. All I know is that the last person I spoke to merely said that I will receive a letter of explanation as to the reasons for my account closures. I was also told all the money would be released between 60-90 days. I have yet to receive a letter explaining sensibly any reasons for my accounts being closed and Im still waiting for my funds to be released.
This entire ordeal left me in utter shock and unable to respond or react in any way at first.
On the days I called, even just to find out that the wire transfer of {$9000.00} was received, no one would give me any information about it, so, naturally I felt worried and scared. I didnt know if Id have my money at all at any time. This really worried me and truly scared me very much!
I live in the California mountains, and there is no citibank here. I was only able to visit a CitiBank branch on XX/XX/XXXX or XXXX and all I got from the representative there, at the Citibank in XXXX XXXX, was the same story about needing to receive a letter explaining the situation. The representative was very nice and tried to help and call different departments to help me to understand what was going on but, in the end, once more, she couldnt help me at all.
When I asked for {$9000.00} I continued to hear that I will see this money in 60-90 days.
Around XX/XX/XXXX I received a letter from CitiBank. Alas, this letter didnt provide me any information as to the reasoning for closing my account or anything else that could help me understand anything at all. Naturally, I find myself extremely disappointed in the overall performance of this bank and its personnel.
Today XX/XX/XXXX, I still dont know why my Business account was closed. The bank now is not answering because my debit card is not working. I am still missing almost {$10000.00} and paying interest to other banks as I couldnt use this money.
I am very disappointed with the bank closing accounts, without providing reasons and solutions for their customers, specifically business ones as some deals got canceled.
I am still in the process of recovering from all this situation that will take at least another 2 months.
Looking forward for your support
|
| 08/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I have a CITI AAdvantage American Airlines Platinum Select card since XX/XX/XXXX. While vacationing in XXXX, XXXX I purchased on XX/XX/XXXX from a supposedly reputable carpet store a genuine XXXX handmade silk carpet, based on what the merchant claimed, for {$10000.00}. I received with the carpet an official written " Certificate of Authenticity and a Rug Description sheet '' attesting to the origin, quality, nature and the value of the carpet. I left XXXX to XXXX on XX/XX/XXXX. I was shocked to find there that the carpet, was not a genuine Turkish hand made as claimed during the sale by the merchant. It was rather a cheap Made in XXXX imitation with value less than {$1000.00}. Since the store advertises on its web site " Satisfaction guaranteed or your money back '' I immediately called and emailed the merchant about my findings and requested authorization to return the carpet and get a refund. The salesman ignored my repeated questions about the authenticity of the carpet but stressed that it is against the store policy to accept returns or refunds but they will accept an exchange. ( Email enclosed ). To me an exchange was not a satisfactory option since I lost confidence in the store. I immediately called CITI credit card and reported the fraudulent sale and asked them to suspend payment to pressure the merchant to accept a Return/Refund. I also filed with CITI card onXX/XX/XXXX a written dispute claim. Citi card requested verification that the carpet is not genuine. I called the American embassy in XXXX for advice. They kindly gave me the names of some of the reputable Law firms for guidance. I was legally advised to get an indisputable formal legal statement from a court appointed carpet expert attesting to the nature, quality and origin of the carpet. I did and the written legal report verified that the carpet is a XXXX made imitation with a value of less than {$1000.00} ( Report enclosed ). I did send to CITI card a copy of the original court attested carpet evaluation report. Since the report was in a foreign language, I had it translated to XXXX by a court authorized translator and also sent the XXXX translated version to CITI card. CITI credit card later inquired whether any attempt was made to deliver the carpet to the merchant. I did attempt to deliver it before, and the merchant refused to take it back. CITI card already had written documentation around XX/XX/XXXX that I called and emailed the merchant requesting authorization to return/refund the carpet and the merchant written email refusal, I did abide by their request. I flew back to XXXX again with the carpet hoping to be able to return it. My lawyer in XXXX, advised me, for safety reason, to avoid any direct confrontation with the merchant and proposed that he perform the return/refund attempt. He did and the merchant again refused. Citi card was informed in writing of that.
I complied with all Citi card demands and submitted evidence beyond doubt that the sale was fraudulent. I disputed the fraudulent sale and asked them to suspend payment to the merchant to force him to accept Return/Refund. CITI card company rejected my dispute and billed me for {$10000.00} on XX/XX/XXXX. Their excuse was The merchandise must have been returned to the merchant for credit. A return merchandise authorization ( RMA ) would have needed to be requested from the merchant in order to offer the merchandise back to them. This in unbelievable. If the CITI card investigators bothered to review the file in detail, they would have discovered that the merchant NEVER accepted to return the carpet. The merchants statement about the RMA is an excuse, since the carpet is with my lawyer in XXXX and he as well as myself tried to return it to the merchant without avail. Another statement in the CITI card verdict, We can not mandate the merchant to issue credit is a another non valid excuse. CITI credit card ignored the fact that they have all the power to force the merchant to accept return/refund. Just by threatening him to reject payment for a disputed fraudulent transaction based on their deceptive practices. Merchants like this should not be allowed to prey on Americans, and when they do, credit card companies such as Citi card should protect their customers. I have spent so much time and money in order to prove unequivocally that this merchant has engaged in fraudulent practices. He should not be allowed to get away with it, since he will now most likely prey on others. I checked his web review site and unfortunately similar incident was reported by a fellow American.
I to regret to say Citi card billled me for the {$10000.00} and I had to pay it to avoid interest or any negative impact on my credit ratings. I realize now that their ad. statements. " We are on side and guarantee your transactions are sadly not true. I appreciate your help with dilemma.
I will be delighted to supply you with any documentation needed to support my claim
|
| 09/01/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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I opened Checking and Savings accounts online in Citibank on XX/XX/XXXX. During opening of accounts I transferred {$2000.00} to Checking account and {$5000.00} to Savings account. I was waiting for my debit card to arrive.
On XX/XX/XXXX I went to a trip to XXXX XXXX. I was in the trip from XX/XX/XXXX ( Sunday ) to XX/XX/XXXX ( Saturday ). XX/XX/XXXX ( Monday ) when I was in XXXX XXXX I received a notification from USPS Informed Delivery service that some letters will arrive in my mailbox. It is highly likely that it was 3 letters from Citibank.
XX/XX/XXXX ( Tuesday ) someone started to use my Citibank debit card for unauthorized transactions.
Unauthorized transactions : Checking account : XX/XX/XXXX - Debit PIN Purchase XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA US XXXX in amount - {$5.00} XX/XX/XXXX Debit PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX amount - {$71.00} XX/XX/XXXX Debit PIN Purchase XXXX XXXX XXXX XXXX CA US XXXX XXXX amount - {$200.00} XX/XX/XXXX Debit PIN Purchase XXXX XXXX- XXXX XXXX XXXX XXXX XXXX CA US XXXX in XXXX - {$350.00} Savings account : XX/XX/XXXX - Cash Withdrawal XX/XX/XXXX XXXX # XXXX Teller in amount - {$3000.00} In total : {$3600.00} I locked my card in the night of XX/XX/XXXX when I found unauthorized transactions. The same night I called to the Citibank to create claims for unauthorized transactions. I had many calls with Citibank customer service and even went to a Citibank branch. In accordance with it I see the following picture : - on XX/XX/XXXX letters with the debit card and the pin code came to USPS. Informed Delivery notified me about it. I clarified with Citibank that they sent the debit card and the pin code in separate letters. But, in accordance with Informed Delivery they arrived in the same day.
- In some period between XX/XX/XXXX and XX/XX/XXXX someone stole letters from my mailbox or it was never delivered to me. I checked my mailbox in XX/XX/XXXX when I arrived from the trip, but I didn't find any letters from the day of XX/XX/XXXX. I notified USPS Informed Delivery service that I have never received that letters. My mailbox wasn't broken. I didn't share keys from mailbox with anyone. XXXX XXXX XXXX XXXX XXXX XXXX is aware of my problem and just in case, they changed the lock in my mailbox.
- In XX/XX/XXXX the same person who stole my debit card went to the Citibank branch on the address XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, activated my debit card and withdrew money with teller. The teller didn't ask any photo id and it was enough just to have the debit card with the pin code. As I have already clarified the branch has video cameras, but the records can be shared to me only through a lawyer.
- In the same day XX/XX/XXXX the same unknown person went to XXXX in XXXX XXXX and XXXX in XXXX with my debit card and spent my money.
I contacted Citibank in the night of XX/XX/XXXX. The bank created a claim for Checking account only as transactions for Savings account weren't appeared in their system. The claim was for the amount of {$640.00}.
XX/XX/XXXX I called Citibank again and created a claim for Savings account. This time transactions were appeared in their system. The claim was for the amount of {$3000.00}.
XX/XX/XXXX I received the letter that my claim for Checking account was declined with the reason that transactions were confirmed by pin-code and it means they are authorized for the Bank despite to the fact that I have never received this card.
XX/XX/XXXX I reopened my claim for Checking account and provide all details again.
XX/XX/XXXX I received the letter that my second claim for Checking account declined again for the same reason.
XX/XX/XXXX I went to Citibank branch were my money were withdrawn and tried to resolve my claim there. It didn't help as they suggested to call by phone. Also, I was assured that the branch has videocameras and they will prove that it wasn't me who withdrew the money.
XX/XX/XXXX I contacted Citibank to check the status of claim for Savings account. The representative said that it is still in progress and I need to wait.
XX/XX/XXXX I filed an online police report to XXXX XXXX Police Station. The report was rejected due to possible investigative leads. It was suggested to go directly to Police Station.
End of XXXX - start of XXXX I went to XXXX XXXX Police Station and wanted to submit a police report. After talking with an officer he convinced me that submit a police report for unauthorized debit card use doesn't make sense and doesn't help me. He suggested to submit a police report for stolen letters and it is jurisdiction of another police station.
XX/XX/XXXX I filed an online report to XXXX XXXX Sheriff department about unauthorized use of my debit card and stolen letters.
XX/XX/XXXX I contacted Citibank to check the status of claim for Savings account. The representative said that the case was closed. The bank didn't even notify me about it.
|
| 10/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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RE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX for the amount of XXXX After several ( 3 or 4 ) attempts of conversion of funds by XXXX on XX/XX/XXXX for amounts ranging from over {$5000.00} to over {$3000.00}, I received a call from Citi Card Fraud department asking if I was authorizing those transactions. I told them NO. And later the charge of the above amount appeared on my statement. Afterwards I was tossed back and forth between Fraud and Dispute departments and reiterated that the company was attempting to steal from me. The company claimed that I owed them that money because of damages for a car. However, the cost was grossly over charged ( {$8300.00} for an {$800.00} part ). Also, I purchased the rental car company 's insurance and was not responsible for the charge of the part of the car that supposedly incurred damages. I was requested to send in documentation which I also sent into the Citi Card Benefits Administration. They sent me a letter saying that after reviewing my rental car contract that their car rental insurance was not an option because I was ineligible due to the fact that the benefit only applies if I had declined the rental company 's " collision loss/damage insurance. Based on the information provided you accepted the loss damage waiver. '' This is proof that I was not responsible for the charges that the company is claiming. The rental car company also did not provide me with a final rental agreement reflecting the charges. They did not bill me. Also the documents they provided do not reflect even the same charges that they tried to acquire and ultimately took. Lastly, the bill they provided was a fake with a VIN number that does not even match the car that I rented. Also, I contacted Citi Executive Response and XXXX has been very helpful but she says the company is claiming negligence on my part and at this point she can not put the charge into a continued dispute/investigation status. I am requesting that Citi Bank do a Forced Charge Back on the Merchant. The bill of the charges that they created is a fake. The document for the total cost has a date of XX/XX/XXXX yet the charge is for XX/XX/XXXX. The VIN number for the car I rented matches a car from XXXX. I rented a XXXX XXXX. Also, it is obvious that a transmission for a XXXX should not cost the value of the car. Even if these people were not trying to " rob the foreigner '' ( as stated by the former employee that gave me the rental the day of pick up ) the charges should not be more than {$1200.00}. With the various attempts to acquire money XX/XX/XXXX through various credit card " swipes, '' it is obvious that they were just trying to collect whatever monies they could steal. If the credit card company is just going to take the word of a thief despite all evidence of robbery over the word of a high credit scored, professionally state licensed doctor, past government employed consumer then there is something wrong with this system. After speaking to my attorney and an insurance claims officer and both explaining that Citi Bank should have fought for me, I have made a decision that I am not paying thieves and Citi bank is capable of retrieving their money from the merchant. That rental company should have had to prove why they charged me the amount they charged if I am telling Citi that they charged me an incorrect amount. Where is the itemized bill from the rental car company, proving that I owe them? Oh, it is the fake document they produced after the disputes.
And as you can see I have been going back and forth with these people at XXXX XXXX and all communication has been through a third person. I have nothing more than a name, XXXX XXXX, which Citi Back Executive Response team gave me. This person, nor the people there will contact me directly. They even hired a company called XXXX XXXX XXXX XXXX XXXX ( from Utah ) 5 months after the incident to see if they could collect more funds from me. XXXX said that # 1 It is odd that it took them 5 months to reach out to them. # 2 that the charges are grossly over charged and that " I am looking at a transmission online now that is {$800.00} for that car. '' # 3 The VP of the company and their own in house legal said after reviewing the claim and contract that I should be covered by the loss damage waiver, that there was no negligence that they deemed because there was no warning for the road defect, and that the claim they are closing without pursuit. Lastly, when I asked for a phone number and email address to the company that hired them and that claims I owe them, the claims specialist said the person will not give them permission to share their information with me. So again, this company is hiding from me. This person by the name of XXXX XXXX who is the General Manager over " XXXX, XXXX. XXXX XXXX XXXX, XXXX ) is the one that is the head of the operation and sending both XXXX ( who has swept this under the rug ) and Citi bank false documentations.
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| 06/04/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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I had my life 's savings stolen out of my Citibank Checking and Savings account in early XXXX, 2023 from an imposter scam. {$1000.00} was stolen out of my checking account through a XXXX transaction. 5 days after Citi 's " XXXX day '' investigation, I received a form letter stating they would not return the money because it was part of my " normal banking activity ''. I appealed the case several times, always getting the same answer. On my last phone call to Citi on XX/XX/XXXX, the person who answered the phone said that checking account was shared with my daughter XXXX XXXX it is not. XXXX and I shared an account when she was in college and it has not been used for years - it is now closed. The agent then began giving me dates, names, and Transaction amounts for the XXXX transactions on my account. When I told her that wasn't me and to please screenshot where she is finding this information on my account, she told me she e-mailed me all of my past XXXX transactions from last year. The email never came. She then said she made a mistake and was looking at XXXX 's personal Citibank account ( which she should not have access to since I did not give her or know of the security passwords to get into XXXX 's account. She then told me she will transfer me to the investigation dept and they will be able to look up my " past XXXX '' transactions. When transferred, I received a recorded message " Due to unusual circumstances they can not take calls right now '' and an immediate hangup. When I called Citi the next day, I was told they could not have a record of my XXXX transactions, XXXX would have that ( despite the fact I told them I can see the transactions on my bank statement... ). Called XXXX, and they told me they do not have that information - that would come from my band. Called Citibank and again requested they provide my previous transactions using XXXX to comply with the letter of denial they sent - proving using XXXX was my " normal banking activity ''. They said they would send that information to me and all I received was another letter stating it was part of my " normal banking activity ''. They will not give me back the money stolen from me but can not back up their reasons with facts. I want the facts. I want proof that I used XXXX before XX/XX/2023.
I had {$50000.00} stolen from my savings account. Did not get any of that money back. They acknowledged it was a crime, but I got a " so sorry, sucks for you '' form letter after several appeals. A letter sent to me on XX/XX/XXXX in response to my first CFPB complaint tried to explain their reasons for me not getting any of this money back by citing incorrect dates when the crime occurred and citing the incorrect amount of money that was stolen from me- they suggested I contact FBI, local police which was all done in XXXX. Letter was proof that they did not do a careful investigation since they could not respond with the basic, correct information. No response from Citibank addressing the mistakes.
In XXXX when I realized I was the victim of a crime, I immediately put a lock on my savings and checking account. I took what little money was left and opened up a new checking account. All balances are now at {$0.00} and I was getting ready to close every account I have with Citi. Imagine my surprise on XX/XX/2023 when I opened my account and saw a deposit in my LOCKED Citi savings account showed a deposit of {$2500.00} ... Transaction date XX/XX/2023 XXXX ET - Posted on XX/XX/2023, Transaction Type : Adjustments - listed as " other credit ''. Called Citibank to ask who deposited the money. ( once again experiencing 1-2 hr " on hold '' wait times only to have calls dropped when transferred and have to start all over again ). Reached an agent who said they will respond to this in a letter.
A letter came on XX/XX/2023 saying " Because your primary account has changed and electronic delivery of statements was not elected by one of the signers on the new primary account, we are unable to continue to deliver your band statements electronically. '' I have NEVER authorized a new signer on a LOCKED account. My daughter did NOT request to be a signer and this is NOT A NEW PRIMARY ACCOUNT.
Called Citibank requesting who had access to my LOCKED savings account, how did my daughter 's name get on this and why is it being referred to as a " new primary account ''. After the initial call was dropped, the new agent gave me the number of the account fraud dept with an option number to choose, but that department was closed and I would have to call the next day. The next morning I called again, first call dropped after 30 min hold, 2nd call agent ended call saying I would get a " code '' in an email for something .... XXXX XXXX XXXX from the fraud dept said my other daughter, XXXX XXXX was listed as the new signee on the account. They seemed to have no idea how this happened and would investigate.
Have not heard from Citibank since.
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| 08/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
Servicemember |
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This is a formal complaint against citicard.
They are charging me fraudulently interest charges and fees. See below a full accounting : Statement XXXXdue date for payment is XXXX. I called to make a payment which I have been doing for years over the phone. I was getting a recording due to Covid 19 they do not have representatives answering the phone. I wrote a note saying this payment is going to be late since you had no representatives answering your phones. Something I have been doing for years. I will not be paying any extra fees or interest because this is not my fault you furloughed people. Everyone is working from home this is a poor excuse to not have representatives answering the phone, except to make a quick buck. Mailed in was check # XXXX {$2000.00}, # XXXX {$3400.00}. Two checks one XXXX and one personnel which is how it has been done for years.
Statement XXXX -I called on XXXX because I never received my bill in the mail. I was told I opted out of paper. That was not true I never pay online anything. I called in checks # XXXX {$2700.00} and # XXXX {$1300.00}. I told them I am not paying interest or fees. They are playing games. I am never late in 41 years. The first representative from the XXXX said I cant use 2 checks. I got a supervisor she took both checks confirmation # XXXX. Also, on this statement was {$29.00} fee and {$88.00} fee for interest because of being late the month before which was not my fault, I told the lady they had no reps answering the phones. I still paid it and was told I would get a credit not to worry Representatives name was XXXX. I told her I dont see any payments posted for {$2000.00} and {$3400.00} from prior month. So that means they are scamming for more fees and more interest. Told the rep. she said she would call back, never did. I tried calling the recording was on due to the Covid they dont have reps go inline and they disconnect. How ridiculous.
Statement XXXX I see payment posted of {$2000.00} and {$3400.00} that was from XXXX statement now I dont see payments from XXXX statement of {$2700.00} and $ XXXXI called in a payment # XXXX {$1400.00} and # XXXX {$3000.00} on XXXX confirmation XXXX XXXX. I see interest charged {$76.00} Statement XXXX no payments showing interest charged {$130.00} and fees XXXX on statement missing # XXXX {$2700.00}, # XXXX {$1300.00} ( XXXX payment ) # XXXX XXXX, # XXXX {$3000.00} ( XXXX payment ) So now we have more I still paid # XXXX {$2400.00} # XXXX {$5100.00} confirmation XXXX XXXX I paid the interest and fees and figured they would catch up and credit.
Statement XXXX -still no payments posted. I was charged XXXX in interest. I called in the payment # XXXX {$1800.00} confirmation XXXX. I actually overpaid {$620.00} because there should have been credits of returned items that is taking months to appear. I told the rep. I need my credits of all the interest charged incorrectly. This is stealing he said they will fix it they know Covid has made them have limited staff. I told the rep. I am putting in a formal complaint to the Banking and Insurance commission.
Statement XXXX I see all the payments posted magic : {$1300.00}, {$2700.00}, {$1400.00}, {$3000.00}, {$1300.00}, {$2400.00}, {$5100.00}, {$1800.00} Still have an interest charge of {$190.00} this beyond ridiculous.
Also, when I return something it takes months to post. They also allowed Indeed to keep charging my card even though I called when the first charge appeared and said I didnt agree to a charge. Then Indeed said it was a mistake and credited it. They should have never allowed the charge with out he authorization. For 41 years I have always paid my bills on time. This is theft, they are probably doing this to a lot of people.
The CEO needs handcuffs because I even called that office and was ignored. The other thing that happened during this craziness was on the statements I see transfer from and account on every purchase. So, when I called, I asked what does this mean I dont have another account. I was told they sent me another credit card, which I never received. I asked them if you saw I was using an old card why didnt they flag this and call meanwhile a card was floating around with my name on it.
The only credit given was onXXXX for {$29.00} and XXXX {$95.00} interest but that amount doesnt coincide with charged amounts.
I also got a paper saying funds were returned. I called my bank they never got any funds to stop???? see attached Some people I spoke to and did nothing : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX in the executive office, left message for XXXX XXXX CEO Some gave their employee number some would not I will eventually close out this card but I want my money back for all interest paid and fees. I appreciate your help.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( old citi acct number ) Account # XXXX XXXX new acct number )
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| 12/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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On XXXX XXXX, I received a notice from Citi Cards that my credit card was going to be expiring soon and that they would be unable to reissue my card. The issue is that I have a charge off on my credit report.
On XXXX XXXX XXXX, I called to discuss this with someone and was told by multiple representatives that there was nothing that they could do until my card actually expired. I asked many times to speak to a supervisor and eventually got to someone who gave me a mailing address or fax number that I could submit a complaint to the " Citi Credit Bureau Reports '' which, I was told, was the only part of Citi that has the detailed information about my account that would be able to look into the issue but that there was no phone number associated with and you could only mail or fax information to.
After this was faxed I received a document on XXXX XXXX, in my online account saying that my request for reissue would be forwarded to the appropriate area for investigation. I then received one voicemail from Citi saying they received my request and that if I still wanted to speak with someone I could call the generic customer service number.
On XX/XX/2021, I tried calling going through the general customer service number again to discuss with an appropriate party. The first person I spoke to said there was nothing they could do. I asked for a supervisor and was transferred. I then spoke to the supervisor who said they could not do anything until my card expired on XX/XX/XXXX. I explained that that would be a problem because then I would not have access to a credit card for a period of time since the card would be expired. She said she would try to put through a request to reissue but that usually it wouldn't work until the card was expired. It did not work. I asked to speak to someone else. I was finally transferred to an account manager in the US who again told me there was nothing I could do but wait and request that the card be reissued after the card was expired. I explained again that this did not see right. I wanted to speak with someone about my specific situation, that I could not believe that after having this credit card with Citi for XXXX years in excellent standing, and still being in excellent standing with this card that a one off Macy 's card that happened to be a citi card that was sold to collections for a less than {$100.00} balance that was overlooked, that was taken care of as soon as collections contacted me and was going to cause Citi to cancel my card that I have had with them for XXXX years. She continues to tell me there was nothing she could do and that there was no one else higher than her that I could speak with about the issue. She finally did the same thing the other representative did and said she would try to push through a reissue request, but again it wouldn't let her go through with it because my card was expired.
At this point I have spoken to XXXX customer service representatives from Citi and have been given no information or route to discuss my specific circumstance with someone from Citi. I understand that my credit report shows a charge off card. I do not want to dispute that on my credit report it is accurate and I took care of it as soon as I realized that the Macy 's card that I only used once a year had been sent to collections. My problem is that I had an XXXX XXXX XXXX Citi card that was and has always been in good standing and no one at Citi who would discuss in detail and with care why they would not be able to continue my service aside from the fact that when they run my credit report they see that charge off.
I then conceded and waited until XXXX to call and ask that they to request the reissue. On XXXX XXXX, I received a communication that my reissue request has been declined, again because of the charge- off listed on my credit report.
I understand that I am at fault for allowing the Macy 's card to go into default and that the charge off appears there for that reason. However, as stated I took card of this promptly when I did get called by collections. I however, continue to be baffled at how there is no one that can discuss my complaint with me in more detail after I have been a customer for XXXX years. I have done everything I could possibly figured out to do in order to reach out to the right people and get the appropriate people on the phone and to have the option that they keep pointing me to come back with the same generic response that my card can not be renewed simply because of the credit report showing a charge off just does not seem like good customer service and it seems hard to believe that after XXXX years of being a customer with Citi there is no one that can discuss this with me and give it the appropriate attention.
In the mean time I had no problem opening a different credit card with XXXX, so clearly this is a Citi specific issue as my credit is good, almost excellent on my credit report.
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| 07/11/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Detailed Description : On XX/XX/XXXX I purchased {$1000.00} of merchandise at XXXX ( Order # XXXX ), All merchandise was purchased by me, for me, received by me, and charged to my XXXX Credit Card, On XX/XX/XXXX I returned, using XXXX labels provided by XXXX, merchandise totaling {$590.00} ( ALL purchased with my XXXX credit card ), On XX/XX/XXXX I received 3 emails ( @ XXXX, XXXX, & XXXX ) from XXXX customer service confirming receipt of {$590.00} of merchandise returned from Order # XXXX ( see attached copies of emails ), I immediately noticed that the email sent from XXXX Customer Service at XXXX on XX/XX/XXXX reflected that {$90.00} would be refunded to me as a XXXX Gift Card, At XXXX XXXX XX/XX/XXXX I called XXXX Customer Service and spoke to a XXXX trainee representing herself as XXXX and I made it clear to XXXX that, o the {$90.00} in merchandise was purchased by me using my XXXX credit card, o XXXX had no legal authority to provide a refund to me other than by the original purchase method, which was my XXXX credit card, o Under no circumstances would I accept a {$90.00} gift card as a refund for the merchandise, and o I would accept no method of refund other than a full refund of {$90.00} to my XXXX credit card since that card was the original method of purchase.
At approximately XXXX, XX/XX/XXXX, after being on hold multiple times while XXXX consulted with numerous supervisors, XXXX assured me that she had corrected the XXXX mistake and the {$90.00} would be refunded to my XXXX credit card instead of a XXXX gift card.
On XX/XX/XXXX ( 4 days before the XX/XX/XXXX Payment Due Date ) I made an electronic payment of {$410.00} to XXXX ( see attached bank verification ) for the full amount due on my XXXX account ( {$1000.00} - {$590.00} of returns = {$410.00} ) ( NOTE : I am aware that with a keystroke error I paid you {$0.00} more than the total amount due ; meaning I SHOULD have an account credit in that amount ) Sometime in XX/XX/XXXX I began receiving voicemails indicated that the caller was attempting to collect a delinquent debt to XXXX. After completing a XXXX search of the phone number, as well as a search using my XXXXXXXX . XXXX app, I learned that the phone number was a scam ( see attached ), and I chose to ignore the almost non-stop calls.
On XX/XX/XXXX I received via USPS a Collections letter ( attached ) reflecting an overdue amount of {$280.00} ( {$90.00} + accumulated interest + late fees ) to XXXX.
On XX/XX/XXXX at XXXX I called XXXX Customer Service and after insisting that I speak with a Supervisor I was ultimately transferred to someone who represented herself as XXXX . After spending much time explaining the situation, XXXX informed me that she could not help me and transferred me to Citibank At Citibank I spoke with someone claiming to be a supervisor and presenting herself as XXXX. After again going through the events and the documentation I had in hand to prove my points, XXXX assured me she had removed all accumulated interest and late fees from my XXXX credit card account but told me there was still a charge of {$90.00} due that represented merchandise purchased that only XXXX could reverse. I was then transferred yet again to XXXX Customer Service After being on hold forever, I finally spoke with a XXXX Customer Service representative who presented themselves as XXXX. After spending many, many minutes again explaining the situation to XXXX, I was informed that he could not help me and would have to transfer me to XXXX ; which he very abruptly, and rudely did.
After again being placed on hold for many, many long minutes I spoke with a customer service representative at XXXX who presented themselves as a supervisor by the name of XXXX. After many, many more long minutes of explaining the situation to XXXX, and the written documentation I had in hand, she informed me that she was finally able to find the history of the returns and would process a {$90.00} credit to my XXXX credit card. However, she would first have to get approval from another supervisor. Many, many, many long minutes later I was transferred to XXXX supervisor, XXXX.
While admittedly XXXX appeared to be more competent than anyone else Id spoken to, it still took forever for her to approve and process the {$90.00} credit to my XXXX credit card. And after spending more than 3 hours on the phone with your and Citibank staff, she informed me that it would still take 24-72 hours before the credit would be reflected in all XXXX and Citibank records ; and that the collection calls should stop after that period of time.
Not only am I still receiving collection calls as of this writing, but on Saturday, XX/XX/XXXX I received a paper statement from XXXX ( attached ) that indicates that I now have a delinquent balance of {$200.00}, instead of {$280.00}, and that my credit limit has been reduced accordingly.
After receiving my XX/XX/XXXX statement I am at a loss for words
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| 01/15/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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We filed an application with Citi mortgage on XX/XX/XXXX and our closing date was scheduled for XX/XX/XXXX. We complied with every request expeditiously. Unfortunately, CitiMortgage failed to communicate with us in a timely manner. CitiMortgage gave me a commietter and then rescinded there decision after our scheduled closing date and after the purchase contract expired. We locked our rate which prevented us from applying for other mortgages. Citmortgage made no effort to contact me, their employees went on vacation and held my file. In doing so, this has caused potential homelessness and put us in a tremendous financial hardship including losing our good faith payment. Citimortgages delay in processing our application timely caused our contract to expire, which sentenced us to homeless.
Initially, we did not hear from the processor for more than 7 days because we were given the wrong name. This delayed schedule NY the appraisal because they did not include the FHA number. Our attorney, the buyers attorney, buyers XXXX all made several unsuccessful attempts to reach the loan officer and processor assigned to my case.
I was encouraged to pay over {$600.00} to lock my rate and had a closing date of XX/XX/XXXX. I submitted emails and uploaded evidence more than 60 times and all were done timely. The loan officer told us to pay {$100.00} to take a home buyers education in order to receive {$5000.00} off closing costs. This supported our belief that we would get a mortgage with Citimortgage. I was told my file was In que for underwriting on XX/XX/XXXX. Yet, the underwriter went home without completing my file on XX/XX/XXXX. Citimortgage lead me and the buyer on to believe that we were going to close on that house. There was absolutely no reason it took so long to make a decision in the first place.According to serval representatives it was in pending decline since XX/XX/XXXX, Yet, the underwriter updated the conditions and requested additional evidence. No one at Citi contacted me to advise of the necessary documents needed. We found out by looking at the portal XXXX XX/XX/XXXX. As a result, we submitted all the evidence and continued to call Citi Mortgage for guidance but we got no response.
On Monday XX/XX/XXXX, we continued to call numerous times that day. We got no response from any processors or loan officers. It took an unrelentless effort to get a person to contact XXXX XXXX, the backup loan officer. Each time I called they asked if I spoke to the processor. I called CitiMortgage more than 10 times that day, only to learn that everyone on our case was on vacation. We called and emailed the backups and they too were on vacation. I spoke to XXXX XXXX, a sales manager numerous times. However, it was extremely difficult to speak with anyone at CitiMortgage. XXXX XXXX ( the backup loan officer ) reviewed the notes and advised us to submit letters of explanations and provide additional proof and we did the following day! When we called back the following day, she advised of another set of requests that were not the same as what she explained and were not listed on the conditions in the portal. This continued for another 9 days only to learn we would still be denied.
Lastly, I think its a disgrace that your employees hold XXXX lives in there hands. It is unfortunate that Citimortgage did not take any of this or the sense of urgency especially during COVID. We are essential workers and we were made to feel as if we were bothering the processor for inquiring about our application. This entire process was unprofessional to say the least.
Email from my attorney to the company : From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX Cc : XXXX XXXX XXXX, XXXX Subject XXXX XXXX From XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY Good Morning : I am the attorney for XXXX and XXXX XXXX in reference to their purchase of the above premises. The purpose of this email is to introduce myself to you and provide you with my contact information, which is set forth below. My clients have until XX/XX/XXXX to obtain a written mortgage commitment letter. Once same is issued kindly forward a copy to my office, so that I may comply with the contract deadlines. Please advise if the bank appraisal has been scheduled and/or performed. In the interim, kindly note that I have ordered the Title Report. When available, please provide me with the name and contact information for the bank attorney, so that I may have a copy of the Title Report sent directly to your counsel. I will have the Title Report updated to include your bank as the lender upon your confirmation of the mortgage amount that my clients are seeking.
If I can provide you with any information or documentation, please do not hesitate to contact me. Thank you.
XXXX XXXX XXXX Attorney At Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Telephone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX Email : XXXX XXXX
|
| 05/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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Date : XX/XX/XXXX, Amt : {$1500.00}, Citibank failed to perform its due diligence to investigate the my complaint with current information. The decline made by Citibank on XX/XX/XXXX failed to show that they performed a substantial investigation and their conclusion was based on stale and inaccurate information from the merchant in XX/XX/XXXX. Citibank stated that the information I provided was not substantial documents. I provided the actual screen shots of the online chat with the airline representative to show that the tickets were not valid. I also documented the conversation I had with the airline representatives that the tickets were canceled by the merchant. If Citibank had truly performed the investigation, they would have found out that the merchant had gotten my refund from the airline since XX/XX/XXXX and that the airline would not provide substantial documents to the customers since the reservation was made via a travel agent.
On XX/XX/2020XXXX, I spoke with XXXX XXXX representative, XXXX , regarding XXXX order, the representative confirmed that the refund was provided to the XXXX parent company, XXXX XXXX XXXX , on XX/XX/XXXX. This was the date that Citibank closed the case and debited my account. I emailed my refund requests to XXXX customer service numerous times, there was no response. On XX/XX/XXXX, the Communications Director, XXXX XXXX from XXXX responded to my email after I sent the request to the merchants CEO. Mr. XXXX denied of receiving the refund from the airline and provided inaccurate information stating that XXXX airline had told them that they were not able to apply a full refund and I have to proof that the airline would promise a full refund. On XX/XX/XXXX, I received an email from the airline verifying that the refund for my reservation has provided to the travel agent. I provided the email proof to the travel agents CEO and Mr. XXXX, there was no response. The travel agent did not deliver the service to me on XX/XX/XXXX and took my money.
I did make a flight reservation with the merchant, XXXX XXXX and I did receive the confirmation 8 days after placing the order. However, the service was supposed to deliver on XX/XX/XXXX did not deliver by the merchant. My departure date for this reservation was XX/XX/XXXX. The merchant unilaterally canceled my flight reservation on XX/XX/XXXX, some hour before my departure date. I provided the screen shots of the airline chat records to show that the tickets were not valid on my departure date, XX/XX/XXXX ( # 5 ). How did I get service from XXXX on XX/XX/XXXX when they purposely canceled my flight tickets on XX/XX/XXXX? I performed the agents job to gather evidence from the airline to proof that both Citibank and the travel agent did not perform its due diligence.
I understand Citibank wants to make fees out of this transaction by ignoring consumers rights. Based on Citibanks imprudent and irresponsible conclusion, I do not feel that I am protected under the Fair Credit Billing Act from unfair credit billing practices. I was charged for " goods or services not received. While the airline has provided my refund to the travel agent, they failed to properly reflect payments or credits to my account, instead they stated that the airline did not told them to refund me ; and the merchant failed to provide written proof from the airline that a refund for the inquired reservation is not possible. With all the proof, Citibank still think the merchant entitles to the payment even though they did not provide me service. Citibank should provide training to its staff on how to investigate and analyze the dispute.
Further, Citibank never accepted my complaint as a billing error. There was no record showing that such dispute was entered into my account. However, my clean account was reported to the credit agencies as past due. It was not my misunderstanding of Citibanks negligence. Citibank failed to investigate my account by imprudently put in a robotic and standard language to defame my good standing account.
I dont know what kind of document is considered substantial to Citibank? All I know is that Citibank did not do its job. If Citibank wants to verify whether the facts provide by the customer are substantial, they should contact to the airline to verify the information instead of relying solely on the merchants outdated and invalid information. The merchant still show that the tickets are open in their internal system ( # 6 ). This is the merchants system, they can leave the ticket status : open, canceled or closed. The airlines system has the final say. The airline is the one to collect the money and provide the refund. The tickets were booked via the travel agent ; hence, only the travel agent can request document from the airline. Citibank is well aware of the US travel agent rules, but they refuse to recognize the merchants fault or perform an investigation by victimized its customer.
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| 04/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I have had a XXXX XXXX credit store credit card for nearly 5 years. In that time I have never once missed a payment, usually paying off the balance to avoid interest charges. In the last 7 years, I have never once missed a payment on anything ever.
I set up automatic payments sometime in early XXXX with my XXXX XXXX card. I had not used my card in a long time and carried a {$0.00} balance and went shopping in XXXX on Black Friday as I do every year.
For reasons that have never been explained to me, XXXX XXXX credit card failed to make the minimum payment through automatic payments even though I had long ago provided bank account information in order to process payments.
What's more, I was never once notified about anything regarding a missing payment. I never received an email, letter or phone call alerting me to there being something amiss.
Then one day in XXXX I was alerted by XXXX, which I subscribe to in order to monitor my credit score and detect and fraudulent activity, there was an issue with my XXXX XXXX card. I was shocked to find I had been flagged with a 30-day late payment. I immediately called XXXX XXXX credit card department to correct the situation. I was told for some reason my payment had not processed even though I assured the representative I had already signed up for automatic payments.
I was walked through the steps on the phone to ensure with absolute certainty I was signed up for automatic payments and something like this would never happen again. I can only imagine what would have happened and how long this would Because of the error which I am certain was not my fault, I asked XXXX XXXX credit department to issue me a Goodwill Adjustment. I felt I deserved one as up until this point I had never once failed to pay them on time and was confident they would take me payment history into account as well as my stellar history of never missing a payment, much less one as small as {$27.00} in over 7 years, roughly 643 consecutive payments of all my accounts tallied in a row.
I finally reached someone at the head of the credit department and told unequivocally that they would do nothing for me to resolve the issue and that I was solely to blame for the error. She also imparted to me XXXX XXXX credit department bears no responsibility to notify their customers if they are late, are not required to send a letter, email or to call anyone in case someone has missed a payment. To me, this seems unconscionable and can only wonder what would have happened and how much worse this circumstance would be had it not been for my subscription to XXXX alerting me to there being an issue.
I was left feeling very angry about her decision, which she assured me was the final word in this matter and there was nothing I could do about it. I decided to see if I was the only unfortunate person to have this happen. After a quick XXXX search, I found hundreds of complaints by people who were having the same issues I was having their processing automatic payments. Some people being overcharged, others getting hit with 90 late payments on their credit report who hadn't used their card in years. And nearly every single one of the complaints ran into the same stone wall of denial from the credit department, many citing the same lack of professionalism, courtesy, and a coherent explanation as to why they were being overcharged and their credit ruined.
I am a real estate agent and run peoples credit every day in order to qualify potential renters buyers toward purchasing a new home. I have seen many people lose out on a new apartment because their credit score was marred by collections and late payments. The sole reason I subscribe to XXXX to monitor my credit is so that this never happens to me.
XXXX XXXX credit card department and their web page is an absolute mess and I'd welcome any agency to investigate their practices. I have many credit card accounts and never have I ever encountered and bank or lender making such heroic efforts at avoiding all responsibility for their obvious inability to management accounts, but absolutely no concern whatsoever to the peoples lives they affect.
After reading the endless comments from so many unhappy customers with legitimate concerns dawned me that to corrected their mistake with me would mean to have to take responsibility to all the others. Better to deny any wrongdoing to any lest you open the door to a class action lawsuit.
This company is engaged in underhanded predatory practices and has a blatant disregard for their mismanagement and negligence and I find it outrageous te need to go through all these hurdles to correct a negative remark on my credit report. They refuse to answer for any of their unforced errors which are negatively affecting the credit of those whose only mistake was wanting to get a good deal on gifts for the holidays and trusting the institution to process the scheduled payments.
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| 07/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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To Whom It May Concern : In early XXXX, Citibank , N.A . ( " Citi '' ) sent me multiple advertisements telling me that I had been pre-approved for XXXX XXXX XXXX ( " XXXX '' ) miles if I signed up for Citi 's AAdvantage card ( the " Card '' ) and spent {$3000.00} or {$4000.00} in three months ( if I recall correctly ). In XXXX of XXXX, I took Citi up on its offer and have regretted it ever since.
1. Bait and Switch. Upon receiving the Card, I noticed that the accompanying documentation stated that I would receive XXXX XXXX miles ( instead of the promised XXXX ) if I spent some lower amount ( I believe {$1000.00} ) within three or four months. On XX/XX/XXXX or XXXX of XXXX ( if I recall correctly ) I called Citi 's customer service and was told by the agent that he would notify the offers department of the issue and that it would fix the issue. I was satisfied with that, so I activated my card and began using it. Then, some days later, I received a call from Citis offers department and was told that no record of such an offer being made to me could be located and that I would have to submit proof to Citi that I had received the XXXX mile offer in order to receive what I was promised. ( Adding insult to injury, I received the same offer via mail multiple times during that period ( and, for clarity, each was addressed to me ), including one the day after I received this call. ) Outraged at the bait and switch, I tried to cancel my card but was told that I had to wait to do so because not all purchases that I had made on the Card had been cleared ( and, accordingly, I could not pay the card off in its entirety at that point ). Instead, I cut the card and stopped using it. In XXXX, I made what I thought was a final payment, waited for it to clear and called Citi to close my account. After I explained why I was closing the account, the agent sympathized and convinced me to keep my card open since I was very close to getting the XXXX XXXX miles.
2. Deceptive Practice. After months of being bombarded with balance transfer offers from Citi, on XX/XX/XXXX, I decided to take it up on such an offer for a transfer at a 0.99 % APR until XX/XX/XXXX. When signing up for it, Citi indicated to me that I could transfer up to {>= $1,000,000} ( which, with the {$450.00} fee I agreed to pay as a fee, came to one cent below my {$15000.00} limit ). Ten days later and without warning, my balance was assessed {$4.00} in interest, bringing the amount owed to {$15000.00} ( or {$4.00} above my limit ). Given that the minimum payment due after the transfer was {$0.00}, I believed that interest would not be charged until the due date and had fully intended to pay a portion of the transfer before that date ( in fact, I paid {$1000.00} on XX/XX/XXXX, or 18 days following the transfer ). Had Citi put me on notice that its suggested transfer amount ( which, again, equated my limit with the fee ) would be assessed interest ten days after I accepted the transfer ( as opposed to a month after ), or simply not been so greedy and shown me a lower eligible transfer amount, I certainly would have either transferred less or paid an amount at least equal to that interest before it was assessed. On XX/XX/XXXX ( or 28 days after the transfer ), I found out that my FICO score had dropped 27 points due to the {$4.00} ( ironically, I found this out from Citi via email ).
3. Fraud. When reviewing my statements today, I discovered that, despite having a {$0.00} balance at the time of the transfer and not placing a single purchase with my card since the transfer, surreptitious interest charges had been added by Citi to my XXXX and XXXX statements. The XXXX statement ( for XX/XX/XXXX to XX/XX/XXXX ) listed {$1.00} being subject to the standard purchase APR of 22.24 % ( or {$0.00} of interest ) and the XXXX statement ( for XX/XX/XXXX to XX/XX/XXXX ) listed {$36.00} being subject to the standard purchase APR of 22.24 % ( or {$0.00} of interest ). You will recall that I paid {$450.00} for a 0.99 % APR on my balance transfer until XX/XX/XXXX. You will also recall that I had a {$0.00} balance at the time of the transfer and not placed a single purchase since the transfer. In my XXXX and XXXX statements there was no amount listed as being subject to the standard APR. So you have to ask yourself, what changed? Well, on XX/XX/XXXX I enrolled in Auto-Pay, which apparently signals to Citi that it can fraudulent assess interest without being noticed.
I decided to " chat '' with a Citi agent earlier today ( transcript attached ), to inquire about these interest charges magically appearing on my account. After almost an hour, he admitted that the charges were not supposed to be there and attributed it to a " glitch. '' ( Accordingly, Citi would " waive '' the fees. ) Unbelievable. One has to wonder whether has ever had such a " glitch '' to the benefit of customers. I would be willing to bet that it has not.
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| 11/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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Citi / CitiBank / Citigroup Inc, United States.
Assuming all calls and chats are recorded based on what they say on the line.
Before I begin, this is Citi 's AutoPay Terms and Conditions; Under Payment Amounts and Available Credit, it states that, 1. ) " Your AutoPay payment amount may be reduced if youve made additional payments or received credits during the current billing cycle that result in a credit balance '' 2. ) " You will see a reduction in your current balance, and in your minimum payment due as soon as your AutoPay payment is processed. '' **See attached screenshot for proof** Basically what it says is that if there is a payment made before AutoPay, then it would automatically adjust the AutoPay amount or go {$0.00} when the statement balance is paid in full so it would not charge twice.
Highlighting these informations : 1. ) My Citi Custom Card and my other credit card from Citi account are both enrolled in AutoPay to pay the statement balance in full every month and with my Citi Custom Cash which currently I have a problem with happens XXXX of every month.
2. ) I usually like to pay my cards manually like days before the AutoPay kicks in not just with Citi but with other banks as well. I enabled AutoPay with a reason " Just in case I forgot to make a payment. '' How the issue started : On XX/XX/XXXX ( Friday ), I made a manual payment using Citi 's iPhone Application " Citi Mobile '' amounting to " {$260.00} '' and posted fairly quickly on the account and was deducted from my XXXX Checking Account with " WEB ID : XXXX XXXX '' on XX/XX/XXXX ( Monday ).
On XX/XX/XXXXXXXX ( Tuesday ), I got a notification from XXXX that my account balance had decreased and found out it was because Citi AutoPay ( which is not supposed to happen based on their AutoPay Terms and Conditions ) had processed a payment amounting " {$130.00} '' **Confirmation FROM XXXX XXXX WEB ID : XXXX**, which is NOT even the statement balance on the account and apparently it is the running balance. Therefore, the balance went to {$0.00}.
I immediately checked Citi 's Mobile app and as expected an AutoPay amounting to " {$130.00} '' was processed and posted on XX/XX/XXXX with the confirmation FROM CITI " XXXX AUTO-PMT '' ( CITI ) ; and FROM XXXX XXXX WEB ID : CITICARDAP** I reached out multiple times for Customer Service : 1 . ) The first reach out was through Chat Support on the Citi Mobile App I believe on XX/XX/XXXX. I spoke to a representative and asked about why I was charged again when I already made a payment and AutoPay should've not charged my checking account again. The representative acknowledged that this was not supposed to happen and told me he was going to review the account. Later on that chat, I said can I just get refunded for the overpayment I made which is " {$130.00} '' and he said, he would go ahead and check it first before making some sort of request. A few minutes later, I was told that he would refund the overpayment which is " {$130.00} '' and would reflect on my checking account within a few business days.
2. ) I reached out again on the same day XX/XX/XXXX, but this time through phone as I did not get any confirmation through email or on the app that the refund was on the way or chargeback. When I got to hold to the representative and ask for this information but of course I mentioned what happened. He told me that they could not refund AutoPay and he did not see any request for a refund by the previous representative I spoke with and offered if I want him to process the refund instead. This frustrated me even more so I said no thank you, just leave it on the account. Like whatever and hang up.
3. ) I called again on XX/XX/XXXX ( Friday ) when I found on the app that my balance had gone up even if I hadn't used my card after that issue. Looks like they Charged me back " {$260.00} '' which is still not on my checking account til today XX/XX/XXXX ( Friday ). Anyway, I called again for the third time and spoke to another gentleman on the phone and explained everything again from the start. He apologized and was told that yes the AutoPay system should have not done that since the " {$260.00} '' was " CREDIT REFUND AS REQUESTED '' on XX/XX/XXXX and just waiting for it to reflect on my checking account. I also mentioned that since it was refunded for sure I would be charged with interest and I am not paying no interest when it is Citi 's fault and he assured me that whenever I got my refund and paid back the account, whatever the interest charge will be waived. I also asked if there was some sort of credit for this inconvenience and he gave me a laughable {$10.00} for wasting my time by calling Citi again and again which was reflected on my account on XX/XX/XXXXXXXX ( Saturday ) To reiterate : As of today, XX/XX/XXXX ( Friday ), I have not received any refund back to my checking account and it has been over 3 weeks since it was processed.
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| 06/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/XXXX, I made a payment to my Citi Thank You Preferred card of {$580.00}. The payment screen informed me that I would immediately have access to the available credit created by the payment. This has always been the case with payments to this Citi credit card since I became a cardmember over a decade ago, sometime in XXXX. I have never made a late payment and I always paid at least the minimum amount due. The payment initiated on Friday, XX/XX/XXXX was successfully drafted from my XXXX XXXX checking account on Monday, XX/XX/XXXX. The payment successfully cleared and posted to my Citi credit card on XX/XX/XXXX, according to Citi 's website and the two customer service agents I spoke with via telephone ( one of which was a supervisor ). This payment satisfied the minimum amount due and should have resulted in an increase to my available credit. However, Citi arbitrarily and without providing notice to me, decided to put a " hold '' on applying the payment to my account, despite confirming that they had in fact received the money and it had in fact been cleared by both XXXX XXXX and Citi on XX/XX/XXXX. I spoke with two customer service agents at Citi on XX/XX/XXXX to attempt to resolve the issue. The supervising agent I spoke with disclosed that Citi had in fact placed a " hold '' on the funds received that were posted to my account on XX/XX/XXXX, and that the hold would last until at least XX/XX/XXXX, at which time funds MAY be made available. I pressed the supervisor on the legality of this " hold '' and the supervisor confirmed this practice is in violation of the cardmember agreement, but couldn't do anything about it until at least XX/XX/XXXX because that's what her computer screen told her. Shortly after the conversation with the supervisor on XX/XX/XXXX, I attempted to request a copy of the cardmember agreement using two methods : 1 ) I used the option on Citi 's website to request that an agreement be mailed to me. This request was denied ( see attached ). 2 ) I requested a copy of the agreement using the chat feature on Citi 's website. The chat feature is designed to prevent the option of providing members with Cardmember agreements ( see attached ).
My complaint against Citi is twofold : 1 ) Citi should not be allowed to profit off of " holding '' posted payments ( in this case for at least 5 business days ) without increasing the credit available in the interim. By not updating the available credit, yet stating when making a payment that the credit will be available, Citi is engaging in deceptive business practices that have negative implications for its cardmembers and only serve to enrich itself through profits made at scale by " holding '' funds that ought to otherwise be available for use across tens of thousands of cardmembers. In my case, the consequences were four bills could not be paid that were scheduled for XX/XX/XXXX and XXXX using what should have been available credit from the payment made the week prior. 2 ) Citi should be required to provide cardmembers with a copy of the cardmember agreement upon request. This is the first time in 10+ years that I requested a copy of the agreement ( which apparently constantly changes ), and I don't think it is an unreasonable burden on such a large company to provide a copy of the agreement upon reasonable request. Perhaps within the agreement it states that I must request a copy in writing, but if this is the case then Citi should not be allowed to advertise the option of requesting a copy of the agreement online when such an option is not available. Unfortunately, I can't obtain a copy of the cardmember agreement so there is no way to know if there was a recent change in policy that enables Citi to " hold '' funds posted for whatever period of time they deem reasonable. If that is a policy stated in the cardmember agreement, I argue that it is unfair and out of line with acceptable business practices. Citi should be able to profit off interest paid on my balance ; they should not be able to profit off of payment holds. Citi, theoretically, could continue to hold this payment until after the payment due date which would result in further consequences for me ( i.e. late fees, inability to pay bills, lowered credit score ). The fact that no notice was provided to me of this new payment application practice is particularly concerning. Every other credit card I've ever had has provided notice when a drastic change to payment policy will occur. For example, my Aadvantage Citi card informed me that my available balance would no longer be updated the same day as a payment. My XXXX XXXX informed months in advance of a change in their payment application process. Citi Thank You Preferred doesn't play by the same rules, and has arbitrarily and without notice decided to hold my valid, posted payment, despite telling me on the payment screen that my account would be credited the same day.
|
| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below : XXXX XXXX This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2020. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2020 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me.
I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XXXX XXXX. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file.
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Please furnish me with copies of any and all such certification.
( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
Please furnish me with the required statements and data.
Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information.
( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days.
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| 02/25/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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My checking, savings and checking+ accounts have been hacked via fraudulent wire transfer to the amount of {$72000.00} as detailed below. As of today, I have only received {$2500.00} back, which is the amount that was stolen through my XXXX account. I have still not received back the rest of the amount- {$69000.00} - that was stolen from me. Please see attached below for a screenshot of the scam text message I received.
I'm putting on record the sequence of events as detailed below : XXXX XX/XX/2021 I made a legitimate wire transfer for {$2500.00} USD to my family in XXXX through my local Citibank branch . The branch manager, who is new to the branch, helped me with the process. This was the only wire transfer I made.
XXXX XX/XX/2021, I received a text from Citibank asking if the funds were received with a link to confirm, so I clicked on the link. After I clicked on it, I realized that the funds had already been received by my family so I became suspicious ; and my husband advised me to go to my Citibank branch to inquire about it.
XXXX XX/XX/2021 around XXXX PM, I went to my local Citibank XXXX and informed the teller about the text message I had received, conveyed my suspicions that there was something wrong with it, and requested that the teller check to make sure that my accounts were safe. The teller looked up my accounts and said " all looks ok ''. Concurrently, the branch manager walked over and asked me, " did the wire transfer go through? '' I replied, yes and mentioned my concern about the text message I had received the previous day. I conveyed to him that after clicking on link in the text message that I became suspicious about its nature - and that is why I was there that day to inquire with Citibank in person about it. He asked if I had provided any information when I clicked the text message, and I conveyed to him that I did not - and that I had only clicked it and then stopped to check in with Citibank about it. He then asked me to see the text message - after seeing it, he replied that it was a scam. I asked him if I should block my debit card, and he said, " NO, that is not needed. Your accounts look safe. '' - I asked the branch manager another question about my accounts. He asked me to step over to an ATM where he would help me. When I tried to log into the ATM using my debit card it wouldn't allow me to access my accounts. I told him that the ATM is not allowing me to access my accounts. He said " oh okay '' and appeared too busy to help me. At that point, I trusted that him and the teller were telling me the truth that my accounts were safe so I just assumed the ATM had a system error and I went home. If the branch manager had advised me correctly when I asked him if my accounts were safe and whether I should I block my card. I would have immediately taken action and this entire situation could have been prevented. As a consumer and client of Citibank, I did my part in going to my local Citibank branch as soon as I had a suspicion about the text message. It was the branch manager 's responsibility to advise me correctly from there. I relied completely on his decision. If he had blocked my card and all my accounts then and there, I would not have to face this horrible situation.
-Additionally, while at the bank, my phone completely stopped working- which I thought at that time was due to a network error. I'd never experienced anything like this, so I had no context or precedent by which to understand what was going on. I had told the branch manager that my phone was not allowing outbound calls, and again he failed to flag that this could be fraudulent and/or related to the text message I had received.
-While I was present at the bank on XX/XX/2021, the fraudulent activity started, which I came to know after the fact when I reviewed my bank statements. The three wire transfers made through online banking on XX/XX/2021 are fraudulent.
XXXX XX/XX/2021 ( bank was closed on XX/XX/2021 ), I provided all of the details of these transactions to a woman in the fraud department of my local Citibank branch . The branch manager was present at this time and called the Citibank fraud department in front of me in the premises and connected me to them. Then, we went over all the fraudulent transactions with the Citibank fraud department.
-Citibank fraud department has since provided me the names of the scammers and the beneficiary banks that they used. Even with all of this information, Citibank has yet to return me my stolen funds.
-At this time, I have lodged a police complaint and taken on legal representation.
In summary, I was completely failed by my local Citibank branch every step of the way in what could have been a preventable situation. Please look into this egregious matter in a timely fashion, and please let me know if I can be helpful with any additional context, screenshots, or other.
Kind regards, XXXX XXXX
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| 06/09/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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On XXXX XXXX, XXXX, I applied for a HELOC in Citibanks XXXX XXXX XXXX XXXX XXXX branch as my third lien. Citibanks loan officer and his manager who helped me were XXXX XXXX XXXX and XXXX XXXX. Before submitting the HELOC application, I informed them that I currently have a mortgage with XXXX XXXX and a HELOC with XXXX that I signed on XXXX XXXX that has an clause that I may not close it within 3 years during the withdrawal period. That means my first HELOC with XXXX must be open for another year ( until XXXX XXXX ). If I closed it sooner, I would get charged an early termination penalty and I told them I did not want to close it early and did not want to pay an early termination penalty fee. I would use the Citibank HELOC to pay off my XXXX HELOC but keep it open with zero balance. XXXX said that he understood and not to worry about it. He said that I could keep my first HELOC with XXXX open as inactive till the end of the withdrawal period with XXXX. So, I agreed to submit the HELOC application with Citibank on XXXX/XXXX/XXXX. I filled out the application asking for {$150000.00} HELOC. XXXX submitted my application on the spot and spoke with the loan processor on the phone. The processor approved me for {$130000.00} HELOC and I accepted. Thus, we settled at {$130000.00}. After sending a lot of documents back and forth that Citibanks loan processor had requested, a month and half later I received the approval letter and loan agreement ( XXXX ) for {$75000.00} although my financial information did not change from the day I submitted my application. I wrote an email to XXXX asking why the amount was changed and he contacted the loan processor. Then, about two weeks later, the Citibank loan processor, XXXX XXXX XXXX, approved me for {$100000.00} HELOC. I agreed to it and, she sent out the updated approval letter and XXXX for {$100000.00}. In XXXX, I received the APPROVAL LETTER letter dated XXXX/XXXX/XXXX, and the three XXXX that I needed to sign and have my Co-op board sign as well. My co-op building, XXXX XXXX XXXX XXXX XXXX, requires a {$350.00} application fee for HELOCs application. I submitted the HELOC application with the {$350.00} application fee to my co-op, and I got them signed and gave the two signed XXXX to XXXX personally ( one XXXX was to be kept by the Co-op board ). This was supposedly the last step before scheduling the closing. But then, things got weirder and weirder. The loan processor, XXXX, kept asking me for more documents, one at a time, each time I followed up about my application. I had provided all the required documents that she requested prior to the issuance of the approval letter and XXXX which took about two months. A good loan processor should have looked into all the documents I had given her. If it was not sufficient, she should have requested it prior to issuing the approval letter and XXXX. However, XXXX kept requesting new documents one at a time on different days. On XXXX/XXXX/XXXX, she said the proprietary lease I had provided was missing pages. Should n't she have reviewed it when I gave it to her before the issuing approval letter or XXXX? Then, after I gave her what I had, she requested the original which I do n't have ( fast forward, she was okay with just the copy not the original ). The next day, on XXXX, she said my mortgage loan number did n't show the entire number ; It proofs that she never reviewed my documents I had submitted when she requested a few months ago. Then, on XXXX, she still said my proprietary lease was incomplete. I finally got the complete proprietary lease and sent it to XXXX. On XXXX XXXX again made another request. She asked me to sign a document allowing Citibank to request a payoff statement from XXXX and close the account. I refused to close my XXXX HELOC as I already told XXXX ( Citibanks loan processor ) and XXXX ( Citibanks loan processor manager ) the first day I applied for the HELOC. They assured me it would not be a problem and I could keep my XXXX HELOC open as inactive with zero balance. On XXXX XXXX emailed me to inform me that my HELOC application was denied. I have spent my time, energy, and frustration for more than three months to keep up with their never-ending requests and paid a {$350.00} application fee to my co-op only to be denied even after they issued the APPROVAL LETTER and XXXX. Citibank failed to disclose that I MUST pay off and close my first HELOC with XXXX. Neither the approval letter nor the loan agreement ( XXXX ) said that I must pay off and close my XXXX HELOC as one of the requirements. And, Citibank mistreated my application while finding excuses to deny my application after more than three months playing with my emotion, time, energy, and money. This is entirely unacceptable and I am completely dissatisfied with this situation. I want Citibank to at least reimburse me the HELOC application fee of {$350.00} I had paid to my XXXX.
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| 05/04/2023 |
Yes |
- Checking or savings account
- Savings account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I have multiple cases/claims opened on this fraud dispute. This letter is a response to the decision made on the fraud case currently under investigation for the above referenced account ( Case # XXXX ). My last denial letter from Citibank was dated XX/XX/XXXX. The following is the list of disputed amounts : XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$500.00} ), and XX/XX/XXXX ( {$500.00} ), which seems to not be included with the disputed amounts referenced in Citibank 's denial letter, the total disputed is and should be {$3500.00}. I HAVE TRIED TO CORRECT CITIBANK OF THIS ERROR MULTIPLE TIMES!
Secondly, it stated that in the letter that the case was denied due to Citibank records indicating that these withdrawals were made from my account using my banking card ; this is a false statement as it shows on my records that these were ACH transactions facilitated to a XXXX XXXX which I have NO RELATION to and is NOT A REAL COMPANY. I first went to the bank to notify Citibank of this fraud on XX/XX/XXXX. Without checking the Saving 's account, the representative from the Citibank branch located on XXXX XXXX XXXX XXXX XXXX, NY only closed the business checking account. Meanwhile the fraudulent activity was allowed to continue to occur with my savings account, which stayed open. Since I did not have access to mobile app ( citibank shut it down due to fraud activity ), I was not allowed to see the fraudulent activity until later when I received the statement dated XX/XX/XXXX. By then it was too late and the fraudster made 7 withdrawals of {$500.00}, totaling {$3500.00}. I went to the bank after receiving XX/XX/XXXX statement ( email the digital copy of statement ), I went to branch immediately and closed the savings account. Once I suspected the fraudulent activity was occurring in the savings account from the XX/XX/XXXX statement, I notified Citibank and closed the account immediately, but it was too late as {$3500.00} was already withdrawn from the account. Under Citibanks direction, I was advised to contact XXXX BANK, which I assume to be the recipient bank. I followed Citibank 's instructions and obtained a letter from them which I forwarded down to your fraud team.
I am APPAULED by the mishandling of this case, I feel as though Citibank is making an effort to NOT assist me in this matter and I feel I am fighting a battle against the person who stole my money as well Citibank which is supposed to help me during this trying time. I was NEVER given a provisional credit while they were conducting their investigation. I really hope you can help me rectify this situation with Citibank so that I can be credited the money that was stolen from me. I look forward to your response.
The following are dates that I remember including letters via mail, in-person visits to various Citibank branches XXXX and telephone calls made to Citibanks fraud/dispute department.
XX/XX/XXXX I received a letter in mail notifying me of suspicious activity to my business checking, this was related to the XX/XX/XXXX check On XX/XX/XXXX I went to the branch and found out that someone tried to write a fraudulent check, which was stopped by Citibank. They closed account and opened a new checking account.
XXXX. I got another notification a week later with another fraudulent alert from citibank. I went into the Citibank branch located in XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX The customer rep closed the recently opened CHECKING ACCOUNT and OPENED ANOTHER ONE. Customer rep from XXXX XXXX XXXX did NOT check the Savings Account, which had fraudulent activity also because it was not checked we did not close it and it remained opened. Since I did not have access to mobile app I was not allowed to see the fraudulent activity until later when I received the statement dated XX/XX/XXXX. By then it was too late and the fraudster made 7 withdrawals of {$500.00}, totaling {$3500.00}.
XX/XX/XXXX I went to the bank after receiving XX/XX/XXXX statement ( email the digital copy of statement ), I went to branch immediately and closed down the savings.
XX/XX/XXXX XXXX form Citibank to reach out to merchant, which I contacted with no resolution. XXXX XXXX XX/XX/XXXX First denial letter with Case ( XXXX ) dated XX/XX/XXXX XX/XX/XXXX - Went to a different branch with a helpful customer representative who notarized a letter I drafted and faxed letter to Citibanks Executive Department .
XXXX A representative from the executive Department called and collected more information regarding this case. Filed and submitted an official complaint Referral Form to the FBI XXXX XXXX XXXX XXXX XX/XX/XXXX Letter from Citibank with another Denial ( please see letter ) ( case XXXX ) XX/XX/XXXX Spoke to fraud dispute department from Citibank and opened up a new case after denial letter dated XX/XX/XXXX
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| 02/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2021, XXXX XXXX and I went vacationing in XXXX a small island in XXXX ( statement/attachment 1 ). We stay at XXXX XXXX XXXX and the concierge XXXX XXXX requested a car for us from XXXX XXXX XXXX XXXX I signed the rental agreement ( attachment 2 and 3 ) and paid with my Citi XXXX XXXX XXXX XXXX ending in XXXX and I authorized a charge of {$560.00} on XX/XX/2021 ( attachment 4 ) for a rental from XXXX XXXX.
They delivered a vehicle in POOR condition ; dirty interior, major bumps, scratches on the exterior and the tires were in bad shape. I saved a full video of the exterior of the car and printed photos ( attachments 5 ). XXXX XXXXXXXX XXXX XXXXXXXX gave us a car that was showing lights of servicing needed. We believed that undeveloped road conditions in the island was causing that so we kept the car anyway and drove it for 3 days.
On XX/XX/2021, lights for service needed were still showing in the car. This time we decided to call the company to switch the vehicle because we needed to drive the car to the airport located further away so we did not want to risk missing the flight in case the car broke down on our way. XXXX XXXX requested another car from the hotel concierge XXXX XXXX and he was advised that the car we took had problems and complains in the past and they did not know why it was brought to us. XXXX should not have rented us that vehicle, and they delivered at the hotel another car ( without service lights and in a better condition ) and we drove it to the airport. We were there on the last week of XXXX when tourism is ending. We strongly believe that many other renters drove the same car prior to our arrival. The roads in the island are undeveloped and full of rocks. As mentioned, it was delivered full of bumps and scratches as shown in photos, therefore the engine and bottom of the car were most likely in the same condition. XXXX XXXX a XXXX have no rights or proof that the car was damaged by us.
On XX/XX/2021, two days AFTER we returned the vehicle, XXXX Rent a Car charged my Citi XXXX XXXX XXXX XXXX ending in XXXX FIVE times a total amount of {$5800.00} ( attachment 4 ) unauthorized. Consecutively {$940.00} FOUR times plus {$1100.00} all the same time from a foreign merchant. This process should have definitely been red flagged and not authorized. XXXX XXXX would have never let this happen.
On XX/XX/2021, Citi XXXX XXXX XXXX XXXX Fraud Alert sent me an email ( attachment 6 ) and a text message requesting action : if I recognized the charges. On BOTH requests I replied NO - I DID NOT RECOGNIZE the transaction ( attachment 6 page 1 of 3 Charge Status : Decline ). Citibank Fraud Alert confirmed that this charge was DECLINED.
On XX/XX/2021, I contacted the merchant and advised them that I was not responsible for the damages and that the vehicle was delivered to me with many problems. I also advised them that I did not agree nor authorized the charges and I was going to contact my attorney to litigate this. I have my attorney on hold until this is resolved.
On XX/XX/XXXX, I called Citi XXXX XXXX XXXX XXXX Fraud Dept customer service and requested the cancelation of the card ( attachment 8 ).
I started the dispute process with Citibank Fraud Department and was promised that this was going to be resolved. I called many times and spent many hours on the phone ( I have phone statements to show these calls ). They advised me that it would take up to 60 days for the resolution. Weeks later I called to check the dispute status and they said that they could not help me any longer and that I need to take it to another Customer Service Dispute Dept. This has brought me a large amount of stress, to my health and mental state and to my family.
On XX/XX/2021, XXXX XXXX XXXX XXXX emailed me with another invoice in the amount of XXXX Euros for damages to the car ( attachment 7 ). I did not reply and they have not contacted me since.
My partner XXXX XXXX is XXXX living in XXXX XXXX and he spoke to several business partners in XXXX and they all agree it is a scam and their way of stealing from Americans.
I have been a client of Citi Advantage XXXX XXXX XXXX for many years and have been paying on time its full balance every month. My credit score is usually above XXXX. I have also been a frequent flyer of XXXX XXXX for decades, from XXXX to XXXX XXXX. I am an XXXX XXXX XXXX member and benefit from their outstanding customer support and fraud/theft protection. Unlike with Citi XXXX XXXX XXXX XXXX. I paid with Citi XXXX Card for this rental because XXXX XXXX XXXX XXXX did not accept XXXX. It is clear that they would not have been able to pull these type of scams with XXXX XXXX.
The evidences and witnesses I have, prove that XXXX XXXX XXXX XXXX provided me with an unsuitable vehicle, and these documents prove that I did not authorize the charges. This dispute should have been approved and case closed.
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| 06/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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When Covid hit last year the company offered to defer a couple of payments. They told me that they would just be added on at the end. I thought that this meant that they were going to extend the life of the loan as that is what other companies that were offering the same Covid help were doing. It was not explained to me that they would be doing a balloon payment and that all of the payments that they allowed me to skip would become due at the end of the loan. I called every month to make my monthly payment and I was never told that I had a balloon payment due. I called them at the end of XXXX and did my payment over the phone and I was not told that it was my last monthly payment and that the following month I would have a big payment due. The representative even offered to put me on an automatic payment so I would not have to call every month to make my payment. Not a word was mentioned about I had no more monthly payments. I spoke with a representative again in XXXX and made my normal monthly payment. The representative I spoke with didn't mention that I had a balloon payment due or that the payment that I was making would not take care of my account. I told her I wanted to make my payment and she didn't tell me that I had over {$1000.00} due and took my normal {$200.00} payment without a word otherwise. About a week later I received an alert from one of my credit monitoring services that I was 30 days past due on the loan. I checked my bank account and verified that the payment had been pulled out so I filed a dispute with the credit report agency that the reporting was inaccurate. I then received a bill from citibank stating that my full balance was due on the account. I called the company and talked to a representative and she told me that the loan hadn't been extended, the payments were just put as a balloon payment at the end of the loan and that is why it was showing past due because the loan had ended and I needed to pay the full amount or they will keep reporting me as past due. I was then transferred to a supervisor. Both the supervisor and the representative confirmed that I was indeed not informed when I called that the loan had ended and there was more due on the account. They also confirmed that the representative that I spoke with in XXXX noticed after we were off the phone that what I paid wouldn't cure the account and the balloon was due, but that she didn't call me back to advise me of this. The supervisor stated that I can keep making my monthly payments but that every month I will be considered 30 days later on the loan until they charge it off and report it to a collection agency. I told him that I was blind sided by this and they offered this to help me out and instead it hurt me more. I now have a mark on my credit that will keep getting worse until I am able to come up a large sum of money within the next 10 days further impacting my credit. He said that he understands that none of this was explained to me when I have spoke with their representatives every month and they will work on training them better but there is nothing they can do to help me on this. When I originally set up the extension they told me that the account would not be marked as past due and the supervisor I talked to said that my statements stated that when the loan ended that all past due payments would be due. The statements do say that, but if I am told that I will not be past due, how am I to know that those payments are still considered past due and will be due? The supervisor stated that it is my responsibly to know what is going on with the account, but his own representatives do not know what is going on to be able to service the account. Then how is the average consumer supposed to know how a program that was put out there quickly to help people in a time of great need worked? I truly feel that this company was very unclear on how this program worked, that I was unduly hurt because of this and they are unwilling to do anything to make this right. They are unwilling to work with my in any way on this problem. This is really a sad situation for me as my credit has now been hurt, and if I don't come up with a huge some of money I will be hurt even more. They have been very unclear about this whole process and they agree with me that their representatives didn't give me the important information. He told me that I shouldn't rely on what they told me on the phone and I should have known by the statements what is going on with it. I have several credit cards with this company and I have always been happy with them but now I am having very negative feelings towards this company because they are agree that it was not made clear to me what is going on while on the phone and the representatives that I talked to dropped the ball by not telling me, but that it is all my fault and I just have to deal with the consequences now.
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| 04/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have tried to work with Citi Bank to rectify an error regarding incorrect credit reporting on my credit reports. They are sticking to their stance by submitting false statements regarding the situation.
This matter stems from a {$170.00} payment that was 28 days past due. I called in to make that payment and was told that there were programs that could lower my payments if I qualify.
If I had went ahead and made the {$170.00} payment on XX/XX/XXXX instead of entering into one of their programs, my account would not have gone over 30 days.
However, XXXX XXXX XXXX at Citi Bank sent a letter stating that one of their reps told me that the {$170.00} would not keep my account from reporting over 30 days and that statement is false. I know for a fact that if the {$170.00} had been paid on XX/XX/XXXX, my account would have been current at that time.
They are fighting my request to remove the negative over 30 credit reporting instead of acknowledging that throughout both recordings, I can be heard clearly stating that Im only concerned about my account reporting over 30 days. I can be heard saying that I was having financial difficulties, but I always make my payments before 30 days to keep my credit score in an acceptable range.
One of Citis representatives, XXXX XXXX XXXX, sent a letter that brought up an nsf check that was submitted to them on XX/XX/XXXX. I made a payment through their automated system and failed to realize that the bank account that they had on file was now closed. I called them on XX/XX/XXXX when I realized what happened. I immediately scheduled a payment to rectify the error. Therefore, bringing that up was only a tactic to redirect focus from the matter at hand.
Citi Bank had the recordings of both of my conversations from XX/XX/XXXX. They are refusing to release them to me because they know that the recordings will prove that I was clear about not wanting my account to go over 30 days. The recordings will prove that I actually thought the program was lowering my payments to {$86.00}, to include the {$170.00} that was past due. The recordings will prove that I actually thought that by making the {$86.00} payment, I was sure that my account would not go over 30 days. I even stated that I knew I had a payment coming up in a few days, but I would have to pay it late, but it would be paid before 30 days. That is actually on the recording. I stressed the importance of not going over 30 days delinquent numerous times, which is proven by actually listening to the recordings instead of sending a cookie-cutter letter. The recordings are clear. My call on XX/XX/XXXX was only to address my 28-day past due balance. I could not go over 30 days because it would directly affect my ability to work.
On XX/XX/XXXX when I received notification that the {$170.00} was reporting over 30 days delinquent, I immediately contacted Citi to ask that they assist with getting that error removed. I explained that the {$170.00} was lowered to {$86.00} and that cleared my account. When I made the {$86.00} payment, I was not aware that the {$170.00} was not a part of the program. I was not aware that my {$86.00} was applied to the upcoming future payment and not the past due amount of {$170.00}. I wouldnt have agreed to that because my # 1 concern was the account going over 30 days, which would trigger negative credit bureaus reporting. I was crying on the call, but the recordings will clearly confirm that I actually thought that Citi was lowering ALL payments to {$86.00}, especially since I was stressing not going over 30 days. If Im concerned about the negative credit reporting, I know I couldnt pay the upcoming future payment before paying what was actually 28 days past due and fast approaching 30 days. Again, the recordings will prove my intent.
In closing, my goal was to keep my account from going over 30 days. I stressed this to both representatives that evening. I thought that since I had been clear about not wanting to go over 30 days, I was being entered into a program that would meet my needs. Instead, Citi took my {$86.00} and applied it to a payment that was not yet due instead of applying the funds to the past due balance of {$170.00}. This is clearly a banking error for which their egos wont allow them to fix. Keep in mind that the {$170.00} is still reporting as delinquent. I asked them to put my {$86.00} towards the {$170.00} and they have refused numerous times.
I want the {$86.00} reapplied towards the {$170.00}. I will then pay the remaining {$90.00} to clear the past due {$170.00} off of my credit report. My call that night was not about my upcoming future payment, it was about the past due only ( {$170.00} XXXX. Both recordings confirm my intentions and I want Citi to remove the {$170.00} over 30 reporting from all of my credit reports and stop playing hardball with me. Thats not necessary.
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| 11/26/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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XXXX Remediation Department : XXXX Citibank Business Account Department : XXXX The check issuer : XXXX XXXX - Customer Remediation The check amount : {$3900.00} XX/XX/20 XXXX : Deposited check into citi business account through banks mobile app XX/XX/20 XXXX ( 17m ) : Called citibank business regarding the sudden account closure. Explanations was that the business account maintained negative balance and the bank made a decision to close out the account Requested the account closure statement showing the final balance of the account Requested the information regarding the mobile check deposit made on XX/XX/20, the representative informed me that because the account got closed, the requested check deposit will not proceed into the business account XX/XX/20 : With the assurance from Citibank representative, deposited the hard copy of the check into XXXX XXXX XX/XX/20 : The funds became available in the XXXX account XX/XX/20 : The deposited check was returned. Spoke to XXXX XXXX and requested the exact reasoning of the check return, the reason was not provided during the call. The status of the transaction was marked as pending.
XX/XX/20 XXXX ( 20m ) : Called Citibank business office to understand what happened with the check deposit, provided the deposit amount, the representative informed me that because the account got closed after the check deposit, Citi will reject any deposit attempts made to the account. Rep. furthermore iterated that typically the large check deposit takes 5-7 days to get it cleared from Citis bank and assured me that the Citi did not cash the check.
XX/XX/20 : Called XXXX Remediation Department requesting reason for the check return. The representative informed me that the check has already been cashed. Spoke to manager XXXX and learned that the XXXX Remediation Department is operated by 3rd party company called XXXX, reported the mobile deposit attempt with Citi, and informed her that the citi bank verified that the check is not cashed from there end because the account where the check is deposited had already been closed. Requested further reasoning why the hard copy of the check was returned from XXXX. Since XXXX does not have banking information from XXXX, she was unable to assist me the exact reasoning, escalated with escalation ID : XXXX XX/XX/20 : Visited XXXX branch in person to investigate the reason why the check was returned, provided the photocopy of the letter, check #, routing #. Spoke to the manager of the branch and she informed me that I need to wait for the letter from XXXX clearly stating the reason why the check was returned.
XX/XX/20 : The chase completed the processing of the check return. The check return reasoning was Refer to Maker ( RTF ). Visited XXXX branch in person again with the return reasoning, provided the photocopy of the returned check, and the original letter where the check was contained. The manager assisted me with the lookup of the checks and provided me with the photo copies of the cashed check deposited via CITI mobile banking application ( refer to page 3 of the check prints provided by XXXX branch manager ).
XX/XX/20 : Logged into Citis closed bank account and found the research investigation correspondence and confirmed that the check question was indeed cashed from Citibank. The followings were discovered through the report : On XX/XX/20 ACCOUNT IS BLOCKED XXXX XXXX XXXX On XX/XX/20 ACCOUNT IS BLOCKED XXXX XXXX XXXX On XX/XX/20 ACCOUNT IS BLOCKED XXXX XXXX XXXX On XX/XX/20, Citi cashed my check deposit {$3900.00} On XX/XX/20, Citi credited {$200.00} to bring the negative balance to {$0.00} On XX/XX/20, Citi placed hold for 00 day ( s ) for {$220.00} On XX/XX/20, Citi placed hold for 02 day ( s ) for {$3700.00} Since the account is blocked as of XX/XX/20, Citi should have never allowed my mobile deposit attempt made on XX/XX/20 through my mobile device. During the time when the deposit attempt was made, the account was still in open state, allowing me to deposit the check through the banking application.
Despite the communication from business banking representatives ensuring that the Citi will not cash the check, the check was clearly cashed from the Citis end causing further complications with physical copy of the checks being deposited into other bank resulting the block of the funds, NSF fund fees, check return fees, hours of conversations with representatives from XXXX and XXXX and visits to the branch multiple times.
As of XX/XX/20, Citi has never made any attempts to refund the cashed check amount which was not settled or deposited into the account. Not even a single Citi business representative contacted me although the investigation completed as of XX/XX/20 holding the entire fund hostage causing my entire business money flow to shut down. It also resulted the entire personal account to be overdrawn with XXXX as well.
|
| 02/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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On XX/XX/2020, I charged {$7200.00} to Citi master card to have a gas boiler replaced in my house. After the installation of a gas boiler, I had numerous issues with the gas boiler and the venting system in our house. We later found out that the company did a defective wiring work and, as a result, the gas boiler wasn't working properly, the venting testing was malfunctioning and then the water tank stopped working. During these numerous issues I tried to work with the company to no avail and on XX/XX/XXXX, filed a dispute in the Citi Dispute Department to dispute {$7200.00}. I needed to find out how much it was going to cost to resolve all the issues that were caused by the defective wiring work. After a very stressful 10 days and two visits from a plumber and two visits from an electrician, we were finally able to resolve the numerous issues and, having received all the bills from the plumber and the electrician, on XX/XX/XXXX, I contacted Citi 's Dispute Department to update the amount of the dispute to {$1000.00}. This was the cost of fixing all the issues caused by the defective wiring work done by XXXX XXXX, the company that installed the gas boiler in our house. Since XX/XX/XXXX, I sent Citi two additional letters with detailed explanations of all issues we experienced after the company 's defective work and copies of all the bills. I also made 7 phone calls to the Dispute Department, each time asking them to update the disputed amount and explaining my issues. Today, on XX/XX/XXXX, the Dispute Department has still not updated the amount of the dispute and has refused to take into account all the paper work and copies of the bills that I had sent them. In addition, I am under the impression that they are completely ignoring all the explanations in my letters and asking me to provide the same information over and over. They are also asking me whether I have made the defective merchandise available for the merchant pick-up. How am going to be able to make a gas boiler available to be picked-up by the company? And why do you I need to return the gas boiler if I am only disputing {$1000.00}, the amount it cost me to fix the defective wiring work and other issues it caused. I am under the impression that no one has read anything I wrote in my letters and looked at any paper work. On XX/XX/XXXX, Citi card sent me a letter telling me that if I am not able to provide additional information, they will not be able to resolve the issue, and I will be responsible for the fees and interest charges on the amount of the conditional credit they had issued me. Although the company did issue me a conditional credit in the amount of {$7200.00} because it failed to to update the disputed amount, I paid Citicard {$6200.00} on a due date and withheld just the disputed amount which was {$1000.00}. Now they are planning to charge me the interest and fees on {$7200.00}, however {$6200.00} have been sitting in my account since XX/XX/XXXX. I feel that this was done purposefully and they conducted no investigation and dragged the case so long so that they can collect the fees and the interest. The representatives in the Dispute Department provided deceiving information each time I called them and failed to update the disputed amount and never followed through on any of the information I had provided to them. During this frustrating endeavor I sent the company three letters, three emails and made 7 calls. I spoke to 7 different representatives in the Dispute Department and one of the supervisors. All these attempts yielded no results. The disputed amount was never updated and all the information in the letters, emails and in phone conversation was ignored. All my requests fell on deaf ears!
It has been very upsetting and frustrating to deal with Citi after having experienced issues with the replacement of a gas boiler and having to deal with all the issues that were caused by the defective work in addition to all the financial costs. At this point, I don't know which caused more frustration : dealing with the gas boiler issues or people who work at Citi Dispute Department. No one needs additional stress and frustration in this challenging time and the company needs to be doing the right thing by their customers! I was unable to find a department in Citi to file a complaint. Neither the Customer Support Department nor Dispute Department was willing to provide me with the information where I could send my complaint.
I am enclosing copies of three letters and emails that I sent Citi credit card Company, copies of the plumber and electrician bills, copies of the last two emails that I received from the Citicard and copies of two letters. Their correspondence clearly indicates that Citi 's Dispute Department ignored all my attempts to update the disputed amount and to review and consider any information in my letters and my emails.
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| 05/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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On XX/XX/XXXX I opened a checking account with Citi online I received confirmation that the account was active and an email confirming that a bank card was being mailed On XX/XX/XXXX I received an email stating that my account will be closed in 60 days I contacted the company directly with the customer service number and was advised by an outsourced representative who is out of the country that my account was deemed fraudulent No one with citi will advise or provide details on what the alleged fraud is I have gone above and beyond to provide them with every piece of identifying information I own This includes my drivers license Social Security number Social Security card Medicare card tax forms birth certificate vehicle registrations work ID and even my high school diploma from 1994 No one from this so called outsourced fraud department will speak to me or provide me any information This company has discriminated against me misgendered me deliberately hung up on me rejected my phone calls these outsource offshore representative have demanded personal information which includes my full Social Security number my date of birth and other personal information that they should never be asking for These are non US citizens outsourced as customer service representatives who likely have not been screened properly and Who provide fraudulent names when you speak to them On Monday XX/XX/XXXX I contacted the XXXX XXXX branch and spoke with the branch manager XXXX XXXX The manager informed me that she would contact the fraud department directly and if possible she would remove the block on my account herself I emailed her with all of my identifying information which again includes Social Security card drivers license work ID birth certificate and all of the items stated above She stated that she would return to her office on XX/XX/XXXX at XXXX AM and provide me with a response I literally called this branch manager XXXX times and left her over 25 emails to where she is knowingly and intentionally refusing to communicate I have even provided my employer information point of contact to confirm my identity and the fact that I have requested even to have my direct deposit sent to this new Citibank account Im giving them everything possible to confirm my identity and they have rejected and refused to speak with me I have over XXXX that I transferred from my XXXXl XXXX account into this new Citibank checking account My assets have been frozen and they refuse to provide me with access to my own funds They are refusing to provide me with my own money which came from my checking account with my name and personal information on it I have confirm my identity by providing them even with credit card statements from Citibank I am an already existing customer with citi and they have rejected even the credit card information that I provided them as evidence and proof of identity They are unlawfully holding my money denying me access to any of my funds Adding to this no one from the company will speak to me There are absolutely no branches in the state that I am currently in for a period of XXXX months I can not go to a branch and speak to a person face to face I have offered zoom calls and any information that would be required to prove my identity Again they will not communicate with me and they are unlawfully holding my money by deliberately depriving me of my own funds I can not buy groceries purchase medications see my personal physicians and neurologist I can not provide funds for transportation or fuel This is a dire situation to where it has affected not only my mental but physical health They are making me physically ill because I can not access my own funds and even get my own medication I have demanded for Citibank its fraud department and the branch manager with the XXXX XXXX location to communicate with me They are aware that I have filed federal complaints and have intentions of pursuing this bank in civil litigation They are refusing all communication and they are unlawfully holding my money They are knowingly and intentionally and unnecessarily causing extreme mental and physical anguish.
They have now closed my credit card account that was in good standings. I was a long term customer, who just had a credit increase with their own company. They close this credit card out of retaliatory actions. This company initiated criminal acts of fraud against me. They slandered my good name by saying I committed fraud by opening up the checking account when I prove precisely who I was and what my address was. This company discriminated, chose to retaliate against me by closing an account that was in good standings. They have now affecting my credit. In the past three weeks, I have lost XXXX points on my credit. I have made multiple calls and file complaints on a federal level against this company and they refused to communicate
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| 08/25/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
Servicemember |
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On XX/XX/2021, I received a phone call, approximately XXXX, while I was driving, it came through as my own cellphone number. A man identified himself as XXXX XXXX, XXXX ( our local gas and electric company ) Billing Center at phone number XXXX XXXX ) XXXX. He stated that my payments for last three month have not been received and a XXXX van and worker is out shutting off power and gas. He provided me with my last few payments and that they now have made a XXXX ticket to track my funds since their banking institution was changed to XXXX XXXX XXXX and online payments had to be researched. The payments had to be made through XXXX on my mobile banking app.
I was dropping my children off at XXXX different schools and had a nail in my tire that I was getting fixed. He stated I needed to send 3 payments through XXXX XXXX, marking them XXXX PAY to phone number ( XXXX ) XXXX in the amount of XXXX to Manager XXXX XXXX XXXX The first transaction through XXXX to that phone number transpired at XXXX XXXX ET. Second transaction went through at XXXX XXXX ET and the third went through XXXX XXXX ET.
XXXX XXXX also stated that for me to get my refund through XXXX once the ticket has found my actual funds, I had to send {$660.00} to XXXX REFUND through XXXX to XXXX XXXX XXXX at XXXX XXXX ) XXXX, that amount went through XXXX at XXXX XXXX ET.
Something did not feel right to me at this point, I placed XXXX XXXX XXXX XXXX ) on hold and called XXXX Billing Center at XXXX XXXX CT at ( XXXX ) XXXX, a phone number I found online. I spoke to them and verified my online payments have been received and I am not late nor is my account in default. XXXX place a scam/fraud alert on my account. XXXX XXXX was gone when I returned to the line.
Per my phone records I called CITIBANK at XXXX, at XXXX XXXX CT, right away, to place a hold on my account I have a victim of a scam and fraud. They placed a hold on it and provided me with an investigation number. Although the hold was on the account, the XXXX payments were processed when they said they were still pending. Citibank gave me fraud report number XXXX.
I call my local police department, XXXX XXXX Police, XXXX XXXX, IN, at ( XXXX ) XXXX and filed a police report with Officer XXXX. My case is now being handle by Detective XXXX of the XXXX XXXX Police Department.
On XX/XX/2021, I faxed Citibank Fraud Department a 4 page fax of the police report at XXXX XXXX CT. I took three people to talk to and an hour when I called them to verify if they received the report, they could not answer my questions. Finally one person by the name of XXXX on XX/XX/2021 told me to open a new account, which I did and it is a nightmare to try to get my funds from my account that has been frauded to put into our new checking account. We had our mortgage and bills to pay and no access to any funds. I first started speaking to XXXX at XXXX XXXX CT, transferred to XXXX at XXXX XXXX CT, and transferred to personal banker at XXXX XXXX CT, automated system and was hung up on. I called back asking for personal banker at XXXX XXXX CT and spoke to XXXX at XXXX XXXX CT and placed me on hold until I spoke to XXXX at XXXX to link my account that has the hold on it to my newly opened checking account. I then was transferred to XXXX ( who was wonderful ) and spoke to him at XXXX XXXX to have my hold removed and send funds to my new account and place the hold back on. That was done and completed by XXXX XXXX CT Citibank Client Services sent a secure message on XX/XX/2021, regarding the account that was reported, assuring that we received our request and they were in process of reviewing the account, their initial investigation could take 10 business days and that date was XX/XX/2021.
I gave them an extra day, I called on XX/XX/2021, I spoke to XXXX in the Dispute Department starting at XXXX XXXX CT, she stated to me that they sent out a letter to me on XX/XX/2021 ( at which point I had not received ) the their initial investigation was complete and we are not getting our funds back because we authorized it. I stated the funds should have not left the account. The further our conversation got, I reopened the case with her and the new case number is XXXX. I requested from her a copy of their investigation paperwork and anything they used to come to their decision, as well being sent to my home and my email address. As of today, XX/XX/2021, I havent received anything.
On XX/XX/2021, I spoke to Detective XXXX of the XXXX XXXX Police Department and he stated that a lot of people are being scammed through XXXX accounts. He ( Dect. XXXX ) personally received a call from a scammer from XXXX and the scammers are using an actual XXXX phone number. The Detective will be subpoenaing from court to Citibank on their investigation, which he stated yesterday.
If you require anything further, please let me know.
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| 10/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XXXX Citi Billing Disputes XXXX XXXX XXXX ; $ XXXX*** Dispute Date : XX/XX/XXXX Credit Card # XXXX Dear Sir or Madam, I, XXXX XXXX XXXX is giving my writing authorization to CFPB representatives to investigate this claim on my behalf.
It has been more than 10 months and I am still fighting this claim. On XX/XX/XXXX, I received the decline claim letter from Citibank ; however, this credit card company is not giving me the reasons for the decline. The letter stated : Since the services were rendered prior to my attempt to cancel and seek a refund, we can not assist. You will need to contact the merchant directly ... ( attachments 8-9 ) It seems that nobody has been reviewing my documents and doing an analysis. So, I do not agree with Citibank resolution and I want to escalate to CFPB DEPARTMENT for further investigation. So, I can get someone to review the documents submitted and get justice on my claim.
The Truth in Lending Act is the federal law that gives consumers the legal right to dispute credit card charges if there is a billing error, it also includes when property or services are not delivered to the consumer as agreed. As I stated on previous letters to Citibank, I am not responsible to pay the {$5000.00} + all the interest and penalties for XXXX charge ; because I did not receive any services. Therefore, I will not pay. ( attachment 7 ) Citi Bank does not have the right to report on my credit a late payment for this charge. By law, they have to inform the consumer reporting agencies that this charge is DISPUTED BY THE CONSUMER.
These are the Facts : 1.- I do not know XXXX. at all. I have never done any business with them. I have never applied or received services from XXXX.
2.- I have never provided my credit card account number to XXXX. representatives.
3.- I have not received a voucher, invoice, agreement or contract for any services with them. I am XXXX years old XXXX lady that do not take any classes at any college or institution.
4.- XXXX do not have any document proving that I received services from them. I requested through Citi Bank a receipt and the credit card company fail to provide me with a receipt, invoice or agreement for the {$5000.00} charged on my account on XX/XX/XXXX by XXXXXXXX The reasons are obvious. They do not have it.
5.- After an extensive research, I found out that XXXX. company does not exist physically. The address they have belongs to a Mall. The listed phone number is XXXX is just a recording machine. I left many messages, and nobody returned my calls. ( Attachment 12 ) 6.- As I stated many times, my credit card was used without my consent, I was in Per, XXXX XXXX , when my credit card was compromised. See my flight reservations and ticket from XXXX, proving that I traveled on XXXX XXXX, XXXX from XXXX to XXXX, my return flight was on XX/XX/XXXX. Also, see my passport seal of entry dates and my boarding passes. ( attachment 2,3,4,5, and 6 ) So, I never authorized anyone in XXXX to make charges on my credit card.
7.- XXXX and all companies are prohibited to take someone elses credit card for payments for services or merchandise that does not belong to them. This is an unauthorized transaction.
The Federal Fair Credit Billing Act limits the maximum liability of a credit card owner is to {$50.00} for unauthorized transactions.
8.-Mr. XXXX stated that he was forced to give my credit card to XXXX., just to hold his Job Placement ( He never get any job through XXXX ). However, he never authorizes to charge on this account. Furthermore, my credit card was decline on XX/XX/XXXX and this should be a red flag for the credit card company, to contact me right away, but Citibank failed to contact me and XXXX representative. Ms. XXXX made the charge, the next date. XX/XX/XXXX. ( See the attached email # 10 ) 9.- Mr. XXXX stated that he was SCAMMED by XXXX He has a police report, which stated that that XXXX representatives committed Theft by deception. ( See the police report, attachment 11 ) For the reasons explained above and under The Fair Credit Billing Act ( FCBA ) and Electronic Fund Transfer Act ( EFTA ) establish procedures for resolving mistakes on credit billing and electronic fund transfer account statements, including : charges or electronic fund transfers for which you request an explanation or documentation, due to a possible error. Therefore, since Citi Bank can not prove that this transaction is mine or authorized by me, the claim should resolve on my favor and remove the {$5000.00} charge on XX/XX/XXXX.
It took me a lot effort to build an excellent credit and credibility, I do not have any late payments or bad notes on my credit report. ( See credit report attachments ) and I can not afford that a bad institution, like XXXX and Citibank destroy my credit and reputation. I will not pay for a charge I did not do.
Sincerely, XXXX XXXX XXXX XXXX
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| 11/01/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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I recently finished the basement of my house and published it on XXXX marketplace for rent. Many people approached me including a girl with XXXX ID XXXX XXXX ( the scammer ), introduced herself as a health worker who is currently residing in XXXX and will be moving to Virginia in XX/XX/2023 for a new contract. After communicating with her, she agreed to rent my basement for {$1600.00} per month. She told me that she will send me a check for {$2900.00} so I can take one month rent as advance and transfer the remaining to the moving company.
On XXXX XXXX, 2023, after receiving the check in the email, I deposited it into my bank account from my cell phone using my Citibank application. I then called bank and asked the banker that is it possible that if I deposit a check into my account and it bounces back? And the banker responded to me that no, once the check is deposited into your account, it does not bounce back. After depositing the check for {$2900.00}, only {$540.00} was immediately available in my account. The scammer requested me to send the funds that are available in my account to her moving company. In a good intention, I said okay and wrote her a check for {$540.00}. She urged me to send the money using XXXX as she explained that the moving company is also in XXXX and majority of the banks dont accept checks there. I have the chat records that I already submitted to the bank but can submit again if required. I send her the {$540.00} using XXXX using the email address she provided. On the next day, XXXX XXXX, {$220.00} of the check amount was available in my account and I sent her moving company {$250.00} using XXXX again. On the XXXX day, XXXX XX/XX/2023, {$700.00} of check was available and I transferred it through Wire transfer as XXXX didnt work anymore maybe because there is a daily limit on XXXX XXXX. In the meantime, I got suspicious about the process as she was consistentlhy asking me to send the money only using XXXX and since she never answered my phone calls. I called the company that sent me the check ( XXXX XXXX XXXX ) and asked them if they know XXXX XXXX and if they issued me this check. The company denied, saying that it is a scam and we do not know any girl with this name.
I immediately called the bank to stop the wire transfer and I was provided with a case number for follow up. I also called the police who then showed up at my house and I explained all this to the police deputy too. I also called the bank on the third day and asked them again about the funds, the bank representative told me that the check was verified thats why the funds are in my account. On the other hand, the girl started threatening me on XXXX XXXX and she introduced someone as her management representative who texted me on my number. He also started threatening me and was trying to force me to send the rest of the money ( {$1400.00} ). Another person using another number introduced himself as XXXX from New Mexico Police who texted me and asked why I am not sending the money that belonged to XXXX XXXX and started threatening me that they will put me in jail etc. I showed all the messages to the police deputy and by this time, all the funds of the check were available in my account.
The police deputy asked me if I have lost my money? I said no, I have not paid them from my money, but I am worried that this money might be used in other illegal ways that I dont want to become a part of it. The police deputy then asked me to send them their money back. He said, it is a felony to keep their money in my account, this conversation occurred around XXXX in the evening. After being taken under great pressure, I sent them the remaining {$1400.00} that evening using a wire transfer and I slept in peace. When I woke up in the next morning, my account was in negative {$2800.00}. I called the bank and filed a claim about the {$1400.00} too after making a claim for the {$700.00} and the {$740.00} using XXXX.
The bank partially paid {$100.00} for the {$250.00} case but deniad all my other claims. I appealed against the bank decision as my petition was and is more about the process of how the check was not verified in four days. In fact I was the one calling the company to verify the check and I was the one calling police and bank to stop the transactions. I seek your help in this regard. I have all the chat history with the numbers and addresses the scammers used. If the bank would verify the check for me on the very first day, I would never lose any money, but I am not a professional person with banking background to know that how banks processes checks. I sent them money because the bank verified the check and confirmed me in the phone multiple times that the once the check is deposited, the scammers wont be able to take out the check from my account and as a result the money is deposited in my bank account.
|
| 11/23/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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|
Web |
Servicemember |
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XX/XX/2022 : I initiated a domestic wire transfer from my personal checking account in the amount of {$120000.00} USD on XX/XX/2022 ( Saturday ). I was informed that the wire will not formally begin until XX/XX/2022 ( Tuesday ) since XX/XX/2022 ( Monday ) was a holiday. It is very important to understand that the wire took place in XXXX XXXX XXXX. It went from Citibank in XXXX XXXX, California to XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, California.
XX/XX/2022 : I went into my local Citibank branch to ask why my wire did not go through on XX/XX/2022, they said it was withheld for an unknown reason. Upon reviewing my wire receipt, I quickly figured out it may be that there was a typo in the beneficiary name, one letter was wrong. However, the routing number and account number were correct. Due to the time-sensitive nature of the wire, I was closing a real estate transaction I initiated a second wire for the same amount being sent to the exact same bank and account, with the correct spelling of the beneficiary. The second wire went through the same day without a problem. I informed the bank to simply continue to try to get my first wire through and upon the beneficiary 's receipt, they would simply send it back.
XX/XX/2022 : I followed up with Citibank since the initial wire was not received by the beneficiary or its bank. At this point in time, I requested that the wire transfer is canceled and the funds returned to my account. The relationship manager and branch manager ( s ) petitioned the wire department to release my funds back to me. They asked for documentation regarding the LLC ( I provided what was available for public record and on the State of California 's website ) and the real estate transaction ( I sent in a copy of the Grant Deed showing the LLC as the Buyer ).
XX/XX/2022 : The relationship manager and branch manager were informed that the monies are being held and that I need to contact them directly. They relayed the info to me.
XX/XX/2022 : Spoke with Wire Department - I asked where is my money, and her response is the money is with OFAC - Said it is under review with them, not in Compliance - I asked if the money was with Citibank specifically a couple of times, but the response was not clear and opaque in other words, could not confirm nor deny - Forwarded to Supervisor - Supervisor noted that my case was escalated by another supervisor on XX/XX/2022 the request was to Sanction Teams in XXXX, XXXX, XXXX XXXX on hold for review- I asked how it end up there since this was a domestic wire, not an international wire - In addition, I mentioned the money never made it to XXXX XXXX XXXX - She said that OFAC randomly freezes wire because of the recent sanctions put in place- I asked if it was by mistake and how I ended up on the list. She said Im not on the list, it was random.
- I stated that this was Citibanks wire departments mistake and said they lost my money and need to get me out of this mess which is not my doing. Her response was we know where the money is and it is secure.
- No estimated time on and if my money would be returned.
XX/XX/2022 : Spoke with Wire Department Supervisor.
- Said that they have not heard back from OFAC yet.
- I asked if I could provide any additional documents, they said no.
- No estimated time on and if my money would be returned.
XX/XX/2022 : Spoke with Wire Department Supervisor.
- Said the my wire in now under review with compliance department with Citibank.
- No estimated time on and if my money would be returned.
XX/XX/2022 : Spoke with Wire Department Supervisor.
- Said that they are waiting to hear back from compliance 's final decision whether or not they would return my money.
XX/XX/2022 : Spoke with Wire Department Supervisor.
- Said that they are waiting to hear back from compliance 's final decision whether or not they would return my money.
XXXX Said would escalate once again.
XX/XX/2022 : Spoke with Wire Department Supervisor.
- I asked Citibank to provid to me in writing that they are holding onto my wire funds and the reason behind it, they said they would email me within 48 hours.
- They also mentioned the next time I wanted to wire money I should apply for a license with the Department of Treasury ( OFAC ). I told them I've never wired money overseas and that I have no need to apply for such a license. I mentioned that it was a necessary recommendation.
XX/XX/2022 : Spoke with Wire Department Supervisor.
- Said that they are waiting to hear back from compliance 's final decision whether or not they would return my money.
XX/XX/2022 : Spoke with Wire Department Supervisor.
- Said that they are waiting to hear back from compliance 's final decision whether or not they would return my money.
- I asked for an update in regards to Citibank 's letter I requested on XX/XX/2022. He said he would resubmit.
|
| 08/01/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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|
Web |
Servicemember |
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I am writing in regards to a voicemail left on my answering service, on Wed, XXXX XXXX, 2017 at approximately XXXX. The call was made to my residence by XXXX XXXX Macys Executive Office. My complaint in this correspondence is in reference to the message left by XXXX XXXX, whereas, she states that she was following up with me regarding a phone discussion that we had had in the prior week. Her further statement was that she wanted to let me know that she had copies of notes that verified my phone conversations with Macys Representatives, in addition, copies of letters that she stated were sent to me. Also in her phone statement, she implied that I was incorrect per my complaint because the copies of notes/letters were her validation. However, as I have stated to XXXX XXXX prior and I will continue to stand by my word, in regards to the last payment applied, and the conversation that the Macys Representative informed me, I was advised that as long as I made the payment of {$67.00}, before the next cycle date of the account, the account would not jeopardize, granted that the due date of the account was the XXXX of each month. Additionally, the Macys Representative listened to my concerns of my request, to pay the account after the due date of the XXXX, no later than the XXXX, but assured me, it would be fine. Since that was not the true case, and the account charged off, it is now my responsibility to continue payment on the account to the outside Collection Agency. Hence, this complaint correspondence, is in the way XXXX XXXX handled her conversation with me. Her tone was undeniably rude and frustrating. When we were in conversation, I did advise that I would also submit another complaint to the Better Business Bureau, for improper policies, simply put, not being fully honest with the expectation of the delinquent account. Again, for all the outreach that I did, in trying to receive assistance at the first occurrence of my delinquency, I was indisputably treated unfairly, with no care as to my outreach for assistance. I sent a thorough correspondence to the Macys Presidential Unit, and Macys CEO, dated on XXXX XXXX, 2017 in conjunction with submitting my complaint to the Better Business Bureau. In such, XXXX XXXX sent two correspondence. The first dated XXXX XXXX, 2017 and XXXX XXXX, 2017. Both correspondences were elaborately written in a word for word verbatim describing my account history. However, I think Macys and XXXX XXXX missed the point, I reached out in the first place, because my Family experienced a lost and my employment was reduced. All I asked for was for assistance. My correspondence submitted to the Macys Presidential Unit, to the Macys CEO and Better Business Bureau provided my distress and again my outreach for assistance. Also, distressing, was that in the first correspondence ( XXXX XXXX, 2017 ) that XXXX XXXX sent, she describes : However, our records show on XXXX XXXX, 2017, our Collections Department made XXXX attempts to call you at a phone number ending in XXXX, yet there was no answer, and we were unable to leave a message. On XXXX XXXX, 2017, you called and requested to update your billing phone number to the phone ending in XXXX. I explained to XXXX XXXX on our last verbal conversation, this is incorrect. My number has been for the life of this account, primary XXXX XXXXXXXX. It is my home number associated with my address that has been the same for over 15 years. This number is well documented for my Macys purchases where I made purchases on line, in addition, when I went into the store and a Representative would need to look up my account information for shopping transactions. On XXXX XXXX, 2017, I advised the Macys Representative of this record mistake, not to add a new number! Where is the validity of what I provided to the Representative in the Macys notes? Either XXXX XXXX is being dishonest or the Macys Representatives that take the calls or Macys as an entire entity is being dishonest. Nevertheless, XXXX XXXX felt it also necessary to send me a correspondence ( XXXX XXXX, 2017 ) along with another copy of ( Facts about Interest and Fees ) documentation ( I received this document in her first correspondence letter- XXXX XXXX, 2017 ) backing up her voicemail made on Wednesday, XXXX XXXX, 2017. This action was, needless to say, pointless. Therefore, I am requesting that no further correspondence from Macys Representatives, Executive Offices or the like, nor phone calls to my residence occur, as of the date of this correspondence, today, Monday, XXXX XXXX, 2017. I will no longer entertain Macys direct correspondences, but will move forward to resolve through XXXX party affiliations, Better Business Bureau and the Consumer Financial Protection Bureau. Thank you, Enclosure : Furnished complaint to Better Business Bureau / Consumer Financial Protection Bureau
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| 01/15/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I just received a refund check from CITI for the fraudulent fees they charged on protection plans. I was unaware of such a refund and did an internet search to see if this was a joke. As I find out it was not a joke, I became very infuriated. One because they had stolen from me without my knowledge. Two, because they refused to provide assistance or protection when I needed it and here they were already charging me for it.
Back in early 2008, I got caught up in the housing bust, lost my job, and hand two large medical bills. I had always paid my bills and had a very good credit rating. Seeing I was heading into a financial crisis, and before it hit, I contacted all my creditors. I explained the situation and all of them were very helpful. They made arrangements to ease the financial stress until I got back on my feet. Within two years, I paid all my creditors off. But there was one exception, CITI.
CITI from the start would not provide any assistance or adjustments in payment terms. While trying to work a new payment plan out, I kept my payments current with CITI. Even though I was current on payments, most of the time their representatives were very rude and treated me as a criminal. All I was asking was to reduce my payments temporarily. And here they had me paying for a protection program without my knowledge and they could have used this to help me. I made several calls and wrote letters with no results. I made one final desperate call and talked to a lady that was actually very nice. She explained that CITI will not provide assistance as long as I was current on payments. She said I must be behind three payments before assistance can be applied for. I thought that to be unwise and even talked to a supervisor. The supervisor backed her up and said to stop making payments. Then after the third missed payment, call back and apply for assistance. Reluctantly I stopped making payments. Then after the third payment was missed, I called and all XXXX broke loss. To them, I became a low life and I should pay my debt in full all at once. Absolutely no assistance was to be provided, dont even apply.
Over the next several weeks, I tried to work things out with CITI. I even told them I would sign a contract where they would be the first debt paid off after the house sells. I thought I was getting somewhere with them until I received a debt collection letter from a North Carolina collection agency, XXXX XXXX XXXX ( XXXX XXXX XXXX ). I actually had a phone conversation with CITI the day before the collection letter was received. I contacted XXXX XXXX XXXX via letter letting them know I was working directly with CITI on the debt dispute and had no knowledge of them being hired by CITI on this matter. I called CITI and they said nothing about handing my debt over to a collector. XXXX XXXX XXXX kept hounding me so I asked them to send me proof they were hired by CITI to collect this debt. XXXX XXXX XXXX never provided any document showing they were hired by CITI to collect. While still working directly with CITI and thinking we were finally working out a repayment plan, I am served a notice that XXXX XXXX XXXX filed a lawsuit against me for the debt. What the heck! I contacted CITI immediately about the XXXX XXXX XXXX lawsuit and at first, they had no knowledge of it. But then came back and said, oh yes, XXXX XXXX XXXX is collecting on the debt and all correspondence must go through them. This was the first time that proof was given that XXXX XXXX XXXX was hired to collect on the debt. I was led on by CITI as if things were going to be worked out while XXXX XXXX XXXX was filling the lawsuit. And here again, even though I had not approved of the protection program, CITI was charging me for the protection program and not using it to protect me. What creeps!
There is a lot more to this story but in summary, I can only imagine CITIs and XXXX XXXX XXXX reasoning for approaching my debt in this manor was they did not believe me and felt they could get much more out of me. By the time things came to a peak between us, their fees, penalties, and jacked up interest rate had almost doubled the debt. I did pay them off but not after a lot of XXXX from them. Because of them and as XXXX XXXX XXXX threatened it would, my credit rating remained horribly low for another four years. All this cost me and my family a lot of undue stress and financial XXXX aches for XXXX years total. It did not have to be this way. No other creditor was like this and they were all paid off as promised. At the beginning I was honest and up front. I contacted them well before my financial crises hit rock bottom. But unlike all the other creditors, they want to strong arm me. I think CITI and XXXX XXXX XXXX should be penalized for such underhanded and treacherous treatment as I am sure I am not the only one that was treated this way.
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| 02/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/XXXX, I obtained a Citi XXXX XXXX for {$7200.00} via my Citibank credit card at an interest rate of 6.99 % for 24 months. I continued to use my Citibank credit card for occasional purchases at a promotional/deferred interest rate of 0 % until XX/XX/XXXX.
Since then, when making my monthly payment via the Citi website or the Citi XXXX application, I am given several payment options. One of these options is Adjusted New Balance + Flex Plan Monthly Payment ( hereafter abbreviated as XXXX ). The Citi website payment page describes this payment option as follows : This includes your monthly XXXX XXXX Payment Amount and the non-XXXX XXXX portion of your last statement balance. It does not include XXXX XXXX payments due in future months.
While I am certain I made my monthly payments in XX/XX/XXXX and XX/XX/XXXX using the XXXX option, I will instead focus my complaint on the XXXX payment I made in XX/XX/XXXX, because I have the screenshots to prove it. I knew something was wrong with my purchase balance once I received my statement during XX/XX/XXXX. I contacted Citi customer service via phone and online chat. I spoke to XXXX and XXXX via online chat on XX/XX/XXXX. XXXX not only shut down my chat without resolving my issue, but she insisted that I would not be able to pay my purchase balance unless its interest rate increased beyond the 6.99 % of my flex loan or unless I paid my flex loan in full first, regardless of where Citi says it will allocate my XXXX payments. To this I said ( Im paraphrasing as I no longer have the chat record ) so whats the point of making an XXXX payment if it isnt going to pay my purchase/non-loan balance in full, plus my loan payment, like the payment portal says it will? She refused to answer and, instead, exited the chat.
Later that day, I spoke to XXXX. I asked her if my purchase/non-loan balance would return to {$0.00} and if my entire balance would consist of my flex loan so long as I made a full XXXX payment for XXXX, XXXX, in the amount of {$700.00}. She affirmed that yes, making that {$700.00} payment ( instead of my {$350.00} minimum payment ) would return my purchase balance to {$0.00} so long as I utilized the XXXX payment button and did not type in {$700.00} as a custom payment. I followed XXXX instructions to no avail. Before making my {$700.00} XXXX payment moments after talking to XXXX, on XX/XX/XXXX, my purchase balance was {$370.00}. Now, instead of {$0.00}, its {$340.00} on my XX/XX/XXXX statement.
This is unacceptable. To be clear, it is especially problematic because my 0 % promotional XXXX expires in a few weeks and this inaccurate purchase balance, which should be {$0.00}, will begin accruing interest and I believe I would also owe all of the deferred interest from the previous year.
I spoke to another citi representative on XX/XX/XXXX, the day I received my XX/XX/XXXX statement, who explained that Citis payment portals are giving meand all Citi customersinaccurate information. Sure, she said, the payment portals tell me my purchase balance will be paid in full if I use the XXXX button, but this is only accurate if my purchase APR is higher than my flex loan or any other credit products I may utilize on the card. Regardless of what the payment portals tell me, she said, my account will be paid off balance-by-balance in interest rate order, with the highest rates first. The Citi payment portals will not tell me the truth about how my payments will be allocated, she stated, if my purchase APR is lower than my loan APR ( which it is ). She explained precisely how I was swindled by Citi into making at least one loan payment ( and I believe, actually three loan payments ) for nearly double what I owed Citi under the false premise of paying off my purchase balance and paying my monthly loan payment concurrently.
I then spoke to yet another citi representative, XXXX, via chat on XX/XX/XXXX. I asked him how I could possibly pay off my purchase balance if its APR was lower than my loan balance, without paying the loan in full first. Logically, he suggested I utilize the XXXX payment option. This absolutely should be the answer, and according to the Citi payment portals and all of these customer service representatives, it is the answer. When I entrusted Citi with my {$700.00} XXXX payment, I expected them to honor their word, that my payment would pay [ My ] monthly XXXX XXXX Payment Amount and the non-XXXX XXXX portion of [ my ] last statement balance, precisely as Citi stated it would via its customer service representatives, its app payment portal, and its website payment portal. But they didnt. My lived experience proves it ; I'm almost certain this happened 3x now, though I can only prove it happened this once. This is a problem.
Providing consumers like myself with false payment allocation information is unacceptable.
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| 02/01/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Good morning, In reference to my previous complaint regarding my regular Checking Account ending in XXXX and Citi Reference Number : XXXX dated XXXX XXXX, XXXX
Upon reading the letter in its entirety, Citi Bank XXXX response team again provided false and inaccurate information. The letter stated : Upon review of your inquiry, we pulled XXXX call interactions and there was not a statement addressing The XXXX XXXX XXXX XXXX XXXX ( XXXX ) certificate. Our decision has not changed, and the letter dated XXXX XXXX, XXXX is attached for you to review This is a false statement as phone calls were made XXXX different times after the XX/XX/XXXX letter from Citi Bank of XXXX Those phone calls were made intentionally to get clarity on the letter sent and specific questions regarding applying for an XXXX license by the sender would result in a quick release of funds. Those phone calls log was recorded and documented and will be presented if needed by the XXXX party investigation into this matter.
Further, the sender XXXX XXXX requested copies of the investigation on multiple occasions during a telephone conversation with the Citi XXXX supervisor as stated in the letter : The wire transfer is currently being held due to requirements outlined by XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX ). Information provided in the wire instructions has prompted a hold on the transaction. You may visit XXXX for summaries on specific country sanctions and guidelines You are entitled by law to obtain copies of the information used in our investigation. We sincerely apologize for any inconvenience this may have caused. No copies of any investigation were provided by the Citi Bank XXXX department till-to-date. That also proves that telephonic conversation was either not properly listened to as mentioned or those issues were intentionally ignored.
Citi wire department informed the sender of the wire again on multiple occasions that the wire is held by the Citi Bank XXXX XXXX department due to XXXX on the senders name. The sender cross-references his name against all XXXX sanctions lists and no resemblance of the name was found. Sender, XXXX XXXX, applied for an XXXX license on the XXXX website on XX/XX/XXXX oXXXX XXXX and mysteriously money in the amount of {$XXXX} became available on the morning of XX/XX/XXXX with pending status which was confirmed on XX/XX/XXXX.
Citi wire repeatedly provided inaccurate, false, and misleading information starting from XX/XX/XXXX of XXXX till XX/XX/XXXX of XXXX The Citi wire held the funds claimed to due to currency exchange conversion even when the wire was held by compliance and canceled.
Citi wire department informed the sender on XX/XX/XXXX of XXXX that the wire amount has left and will be available in the recipient account in the next two days during a phone conversation.
On XX/XX/XXXX of XXXX Citi Banks wire department informed the sender, that the wire required additional information, and a secure message is sent to the senders online portal secure message account. No proof of any message in the senders online portal account was found till-to-date.
Additional information was promptly provided but the wire was not processed till XX/XX/XXXX oXXXX XXXX
In multiple phone calls ( all made by the sender & consumer ) from the beginning, the sender was misinformed, misdirected, and mislead intentionally by the Citi wire to conceal the evidence of wrongdoing. Again, the sender was discouraged on several occasions not to apply for an XXXX license as it will cause more delay in the process. As stated earlier, applying for an XXXX license triggered the release of funds immediately by the Citi XXXX XXXX department which was held either due to discriminatory reasons due to the senders name and origin or intentional mistake and lack of oversight by the Citi officials.
I have never seen or heard of an organization or a bank committing their mistakes and providing relief to someone who has XXXX financially and emotionally due to a lack of professionalism, discriminatory attitude, and biased towards certain people of XXXX, holding funds without providing any justification and reasons, providing proofs of their unbiased and impartial investigations, not concealing evidence. This is just a money-XXXX attempt by a bank to XXXX consumer confidence in our system.
There is more than enough evidence presented in this letter to prove it was done intentionally and efforts are underway not to provide any proof of their investigation for XXXX clear clarity. I reopen this inquiry again by sending the matter to the concerned authorities and expect full financial relief immediately as outlined in my previous complaint.
Please also note that wire was held by Citi on multiple occasions by Citi compliance in the past since I opened an account with Citi Bank. This is just not coincidental.
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| 07/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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In this case, Citi bank credit card division misguided us at every step, and supported and aided the fraudulent and unethical activities of a merchant. We have been touch with Citi 's office of the President for over a month, and very irresponsibly they have misguided us leading us to signing a forced agreement with this vendor, and us not getting anything in return. Citi 's complicity in this case is unethical and illegal besides breach of contract terms to prevent fraud, and protect the consumer & purchase.
Case : We received a promotional call on XX/XX/2018 saying they were calling from XXXX, we incidentally do a lot of business with XXXX. They mentioned about a cruise opportunity during call, we asked them to send us the paperwork for review. They asked us to furnish the credit card number to reference in and create the paperwork with clear understanding that after we receive the paperwork, we can decide if we like, and after we sign and provide the paperwork, they could proceed with transaction.
While this company was still preparing the paperwork, we called XXXX directly to confirm, and XXXX mentioned to us that they had no linkage with this offer. We reported this fraud immediately to Citi bank on XX/XX/XXXX. Citi told us that they would take care of it once transaction takes place, we asked Citi why wait for any misuse of card, and why not proactively stop any possibility of card misuse. Citi assured us that they would take care of this. Following which, we called back the number from which we received the offer, and asked them why they misrepresented on behalf of XXXX, and told them we were not interested in any offer or purchase. Despite this, the merchant went ahead and charged us {$700.00} approx. which was never authorized by us. Also, sent us agreement to sign. We refused to sign the agreement and refused to provide any ID to this merchant. And, filed fraud case with Citi in XX/XX/XXXX. Citi came back in XX/XX/XXXX saying that it was not a case of fraud but of dispute. We told Citi that we never authorized purchase, never signed any agreement either, info was given to XXXX to create papers for review only. But, Citi 's president 's office closed the case without supporting us, or showing us any proof from vendor that it was a valid purchase.
We pursued further with XXXX ( President Citi Bank ), they appointed another agent XXXX XXXX to look into the case. XXXX reached to the merchant and found that never any agreement was signed by us, nor did merchant had any other paperwork or call recording to show that we made the purchase. But, he expressed that as the agreement was non-refundable, we needed to enter the purchase with this vendor. We told that we did not sign anything, how was this valid agreement. He insisted that only way to get the money was to sign the agreement with this merchant and get the service. He also got a communication from merchant along with unsigned agreement.
We were harassed and tired to a point that in XX/XX/2018 ( last week ), we signed the agreement. After receiving the agreement, merchant has not been responding to any calls or communications. We notified Citi, and they are not asking the merchant to perform the service either. Citi has been complicit with this vendor, could not refund us an unauthorized charge on card ; also coerced us into signing an agreement with this vendor, and now there is no performance of this agreement, and Citi is washing their hands off.
Citi did not try to prevent the fraud before it occurred and was notified by us. Wasted over three months in investigation, and then conveniently termed this fraud case as dispute, followed by closing it, reopening it, and now justifying the transaction without any service or purchase protection to us.
We notified the vendor before the paperwork was received that due to misrepresentation we do not want to be part of any proposal, we did not sign anything, did not provide any ID, which were the precondition to the transaction. Citi team was forwarded all the communications with merchant showing the evidence of above case. Despite that, their fraud prevention department did nothing, but sent us a copy of merchant transaction as evidence. This is disgusting as we know the transaction occurred but was not authorized by us. Citi had no evidence that we allowed the merchant to charge us. The info. was misused by merchant beyond the purpose it was provided ( to create the proposal only ).
Citi found it easier to ask the customer to deal with the merchant saying it is a case of dispute. We furnished all the documentation to prove that we did not authorize the purchase, whereas merchant provided nothing to show we were a free willing party to purchase. Citi did nothing to prevent the fraud before the transaction, and nothing after the transaction despite notices and calls.
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| 05/18/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Macy 's Credit Card Macys Dispute XX/XX/2021 : placed an order for same day delivery in the amount of {$330.00} + {$15.00} = XXXX. The order was never received.
XX/XX/2021 : placed a call to Macy 's at XXXX to report order never received. Representative cancelled the order and issued a credit in the amount of {$330.00}. A receipt was sent to me reflecting this refund back to my credit card. Time spent on the call : 37 minutes XX/XX/2021 : placed a call to Macy 's at XXXX to ask why refund is not reflected on my statement dated XX/XX/2021 or in " recent transactions '' in the online account information. Was told the information should be appearing soon. Was given reference # XXXX in the event I had further problems. Time spent on call : 13 minutesXX/XX/2021 : placed a call to Macy 's at XXXX to request update on refund and provided the above reference number. Was told the refund was issued in the form of a gift card that I never received. The representative told me that the gift card was cancelled and the amount should be credited to my account. I was then disconnected before I could ask if the refund would include the delivery charge of {$15.00}. I placed another call to the same number and was told I could not speak to the same agent who I was speaking only moments before. I explained the issue again to the new agent who assured me that both the {$330.00} and delivery charge of & 15 will be credited to my card. Time spent on 1st call : 41 minutes, Time spent on 2nd call : 27 minutes XX/XX/2021 : placed a call to Macy 's at XXXX. The representative was very helpful but could not find any evidence of a refund to my account and was not able to report why a gift card was issued at all, but found that it had been cancelled. I waited on hold after the representative made multiple calls to other departments that gave him inaccurate information. Finally he contacted a " supervisor '' who advised him to created a " dispute. '' He advised me that the charges have been " frozen '' and that I would not have to make any payments on these particular charges. After 42 minutes the representative provided another reference number # XXXX. I asked what phone number is best to call if there are any further concerns. He provided a 4th phone number XXXX. Time spent on call : 42 minutes XX/XX/2021 called for update on dispute resolution was told result 10 days from report = XX/XX/2021 XX/XX/2021 - received letter from Macy 's Billing Adjustments Department dated XX/XX/2021 stating that I am responsible for the {$340.00} because a gift was issued to me in that amount and was redeemed. ( This is the gift card that I never received and was told was cancelled ). I called the number listed on the letter ( XXXX ) and there was no answer. I then called the customer service number on the back of my Macy 's card ( XXXX ). This representative discovered that a gift card HAD been issued in the amount of {$330.00} ( which did include the delivery charge for {$15.00} that I was told would also be refunded ) and was redeemed. I reported that the use of the gift card ( that I had been told was cancelled ) was fraudulent. The representative also informed me that the card had been used at a store I did not visit. These fraudulent charges are in the amount of {$300.00} + {$27.00} was returned somehow to my Macy 's card ( I was able to confirm the {$27.00} return on my card. ) The representative told me that she informed the gift card fraud department and that I would be contacted by them via email.
Summary : An order placed on XX/XX/2021 in the amount of {$330.00} + {$15.00} ( delivery ) = {$340.00}. This order was never received. After reporting the issue, a Macy 's representative cancelled the order and said my card would be credited - a receipt acknowledging the credit was sent to me. After not seeing the credit reflected on my account, I called customer service several times to ask when the amount would be returned and was finally told the amount was issued to me as a gift card. The representative then told me that she cancelled the gift card, and I would receive a refund on my account. Subsequent calls were not productive in determining why I had not received a refund and finally a a representative filed a dispute to resolve this issue. I received a letter from Macy 's Billing Adjustments Department stating I am responsible for the charges because a gift card had been issued and redeemed. A final call to customer service revealed that a gift card HAD in fact been issued in an amount that did not refund a delivery fee for a delivery that was never received, was never cancelled as I had been advised, and had been redeemed in part ( {$300.00} ) and a small remaining amount ( {$27.00} ) from the gift card had been refunded to my credit card.
Total time on calls : 3.6 hours Number of different phone numbers : 5
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| 09/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I booked a stay at the XXXX XXXX in XXXX, TN, through which I thought was the hotel website, for the dates of XX/XX/XXXX through XX/XX/XXXX, total cost {$3200.00}, with my Coscto Citi Card. Due to unforeseen circumstances, we were unable to make the trip, so on XX/XX/XXXX, I called the XXXX XXXX to cancel the hotel reservation. I spoke with XXXX who told me the reservation was booked under XXXX ( conf # XXXX ) and they could not cancel the reservation for me. I then called XXXX and was informed they had no record of this reservation, and the confirmation number was not one of theirs. At this time, I also realized I had never received a confirmation email for the reservation. On XX/XX/XXXX, I called both the XXXX XXXX and XXXX during the daytime hours to again inquire about canceling the reservation but received the same responses, neither would cancel the reservation. I knew then that I must have been scammed, so I immediately filed a dispute through my Citi account online.
On XX/XX/XXXX, Citi sent an online letter stating the " Merchant '' had responded. I immediately called the Citi billing dispute center to find out who the merchant was as neither the XXXX XXXX, nor XXXX claimed responsibility for the reservation. I was told by the Citi representative it was XXXX XXXX. I informed her I had never heard of XXXX XXXX and would never book a stay through a company I did not know.
On XX/XX/XXXX, Citi sent an online letter stating the merchant ( XXXX XXXX ) would not issue a refund because I violated their cancelation policy of not canceling before XX/XX/XXXX. However, as explained above, I tried to cancel this reservation on XX/XX/XXXX, and XX/XX/XXXX, but I was unable to do so.
At this time, I attempted to contact XXXX XXXX. It was very difficult as I could find no phone number for this company. I involved a family member who is a lawyer, and she found a group on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was there that I found an email address for XXXX corporate and XXXX customer service. I emailed both and received a response stating that since I filed a chargeback with my credit card, there was nothing they could do to refund my money.
On XX/XX/XXXX, Citi sent an online letter stating I was responsible for the charge ( {$3200.00} ) and marked my dispute as " resolved ''. I was shocked and extremely disappointed that Citi did not protect me from this scamming company and refund my money. I called the Citi billing dispute center to speak to someone for an explanation. They stated that they tried to get XXXX to refund my money, but since XXXX stated I violated their cancelation policy ( regardless of the events surrounding my attempts to cancel ) there was nothing they could do, thus, holding me responsible for the charge. Citi also stated that since I willingly gave my credit card number, it was not considered fraud. I tried numerous times to plead my case to the Citi billing dispute center. On one occasion, I was made aware by the Citi rep that the series of numbers following the charge on my credit card statement was actually a phone number. I called this number on XX/XX/XXXX, and spoke with XXXX from XXXX ( XXXX apparently has several different names and companies they are affiliated with ). XXXX advised that there was never a confirmed reservation under my name, and she stated that I was not in violation of the cancelation policy. XXXX stated she would file a chargeback that would take XXXX business days, and I would then receive my refund. I asked her to send confirmation of this. She only sent the original hotel confirmation to me. ( This was the first time I had ever seen this hotel reservation confirmation ). I never received any money from this XXXX, and every time I called back to see where my refund was, I was told since I filed a chargeback with my credit card company, that I would have to go to my financial institution for the refund. ( You can see the discrepancy from the first phone call. ) ( It is important to note that I never received a confirmation email from XXXX XXXX confirming my reservation until I spoke with XXXX on XX/XX/XXXX, and requested one. Thus, I had no way to know who or where to call to cancel my reservation, which is why I called the hotel directly. ) I have excellent credit and always pay my credit card balances on time. I feel very wronged by Citi that they did not protect me from the scam that XXXX XXXX ( now called XXXX XXXX ), is running. This is why I used a credit card and not a check card to book the reservation, because credit card companies are supposed to protect consumers from scams. I have filed complaints with the Pennsylvania and California Attorneys Generals as well as the XXXX. I am a hardworking consumer who unknowingly fell into a scam and deserves to be protected by my credit card company.
|
| 09/20/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I have received collection actions, negative and erroneous credit reporting against me on a joint debt, formally held by my ex-husband as the primary and myself as the secondary party that is erroneously being reported. Additionally, not full or accurate accounting of the collection has been provided to me or reflected in the reporting to the credit bureau. Nor has proper identification of the original mortgage holder been reflected or the correct account status. This debt is a result of a foreclosure that was requested by my ex-husband. After I was approved for mortgage modification and completed the trial period payments to pay the obligation separately since he refused to meet his. Although, my ex initiated the foreclosure and is jointly obligated, he is not being pursued for the obligation due to his bankruptcy protection and Citi refused to continue with a modification without his signature.
The following details are being provided to support my reason for requesting assistance and for the CFPB to intercede.
The property balance being collected on had a Sheriffs sale/foreclosure date of XX/XX/XXXX. The property was redeemed and sold XX/XX/XXXX in which the mortgage company received {$43000.00} in sale proceeds. The last statement received from the collection agency dated XX/XX/XXXX had the current foreclosed mortgage balance in the amount of {$120000.00} as of XX/XX/XXXX. ( Exhibit 1 ) The statement does not reflect the {$43000.00} the financial institution received in proceeds from the sale of the home. It also reflected over {$6700.00} in unapplied payments and included multiple fees for interest on escrow for payments in access of the escrow account. Had the unapplied payments been applied to the escrow account, no interest charges would have occurred. Additionally, as a second option, had these fees been applied to the mortgage interest, the mortgage balance would have also been lower. This appears to be a prime example of the mortgage company performing favorable accounting practices at the expense of the consumer. Lastly, there are over {$2000.00} in charges for preservation fees on an abandoned property that were charged erroneously reflected in the attached statement dated XX/XX/XXXX. This was after the preservation company admitted erroneous entry into the home. ( Exhibit 2 ) Additionally, attached is the first and last page of the property management agreement reflecting management since XXXX and the first and last page of the subsequent lease agreement enter into post entry in and upon the premises. These figures alone total over {$52000.00} in erroneously charged or misapplied funds and fees.
After extending a loan modification ( Exhibit 4 ) and then stating they would not move forward with a modification without both signature, CitiMortgage stated that foreclosure had been requested by the other party and they were basically honoring the other partys request. My exs bankruptcy protected him and leaves me obligated even after several attempts and success at getting modified terms to in which I could meet my obligations. Only to have the rug snatched out from under me. Lack of assistance then and lackluster efforts now continue to impact my life. In addition to the aforementioned, CitiMortgage has done the following in no specific order. ( Exhibit 3 ) Started re-reporting their closed account with current payments in XXXX, XXXX and XXXX XXXX and then delinquent payments erroneously thereafter. This is appearing to my creditors that I am still missing mortgage payments and am 120 day or more past due. Citi refuses to correct. It is also reflecting that a foreclosure when the property was redeemed out of foreclosure, that there has not been any activity since XXXX and that the last payment was XXXX of XXXX which is not inclusive of the {$6700.00} in unapplied payments still reflecting in XX/XX/XXXX.
I attempted to hold myself accountable by getting a modified mortgage and doing everything in my power to meet my obligations. Citi and XXXX XXXX should have done everything in their power to get the reporting and accounting right. There has not been any efforts from either company to get things corrected and they snub their noses at my requests for assistance with something as simple as accuracy. This is my life. This collection and erroneous reporting is drastically affecting my ability to move on with this life and/or restart after a divorce and very bad time. The matter is only being exacerbated after making several, unsuccessfully, attempts to work out corrections on balances and reporting and some sort of mutual resolution and manageable payment terms that also doesnt set me up for failure or make matters worse. I seek assistance with moving on and past this chapter. They had years to get this right at my expense now its time to just get it removed.
|
| 06/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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In XXXX the very beginning of XXXX, as I was using the computer, my computer mouse flew across the screen I called my computer technician and he had me unplug my computer. He had said that someone was in my computer and that is why the mouse took off across the screen. We wiped my computer and reinstalled the software. A few days later, fraudulent charges appeared on my checking accounts and credit cards.
XX/XX/XXXX I had to close my XXXX checking account as someone went into my checking account and was trying to take money.
XX/XX/XXXX XXXX texted me that {$3000.00} worth of gift cards were purchased on my account.
XX/XX/XXXX {$480.00} was taken out of my checking account at XXXX XXXX XXXX.
XX/XX/XXXX XXXX emailed me that there was an attempt to charge another {$5000.00} on my account using my other email address.
XX/XX/XXXX & XXXX, XXXX there were charges of XXXX put on my Citibank Card. I had not used that card since I paid it off a few months prior to this occurrence.
XX/XX/XXXX transactions from XXXX XXXX XXXX were taken out of my XXXX XXXX XXXX Checking Account.
The banks and credit card companies credited my accounts for these fraudulent charges including Citibank. They knew it was not my charges and could see that it was fraud.
On XX/XX/XXXX I received a letter from Citibank stating that the information they had was not enough to support my claim and resolve the dispute in my favor and they rebilled my account for the previously issued credit.
When I contacted them to see why there was not enough information they said they sent me a letter asking me to call them. I never received the letter and I told them this. The investigator that I spoke with said they would reopen the investigation. On XX/XX/XXXX I received a letter stating that they were looking into the transactions I disputed.
Time went by and I heard nothing from them. I called and was told it could take up to 90 days to do the investigation. I had called several times and just received the same information.
I was called daily by collections from Citibank about the unpaid balance. The people calling were not in security and could not help me with what was going on with my fraud claim. Every day I explained the situation to a new collections agent and told them to read the notes on what was going on. Finally one agent said that she would discontinue calling me when I said that what they were doing was harassment. She said they would no longer call but would continue to charge interest on the unpaid payments. I wanted to know why they would do that on something that was being investigated.
. Meanwhile Citibank started charging me late fees and notified the credit bureaus that I was behind in my payments. This drove my TRW score down considerably. My TRW was XXXX and as of XX/XX/XXXX, today it is XXXX.
I finally got ahold of another investigator after trying to get through for over an hour, and they had me hold on the line while they looked into it. After waiting for about 10 minutes the phone line disconnected. I tried calling back and could not get through. I got through to someone on XX/XX/XXXX, and was told that the investigation had concluded and they were not reversing the charges. I wanted to know why I was not notified or given the reason for what was done. I never received correspondence stating they were closing the investigation. The investigator finally after looking into things for almost an hour, with me holding on the phone, said he would reopen the investigation and it could take up to 90 days. He also said they would continue to bill me and put the fact that I was not making payments on my TRW each month I dont make a payment. I told him that I do not understand why they would do that while they were investigating. I pay my bills on time. I am very proud of the excellent credit score I had. Citibank is destroying that credit by putting this on my TRW. It is now XX/XX/XXXX and I still have not received correspondence saying they were investigating.
My home roof is leaking and needs to be replaced and my deck needs repairs. There are over 200 seasonal homes at XXXX XXXX XXXX XXXX where I reside. There is a No Hammer Law enforced by the Homeowner Association there that does not allow work done between XX/XX/XXXX and XX/XX/XXXX. I am in the process of getting a loan to do the improvements on my home. The improvements I need to make have a limited window of time to be done. My credit score is a direct reflection on fees for the loan, the interest rate, and loan approval. I wrote a letter explaining all that is transpiring to the loan board. Any damages incurred or loan fees will have to be reimbursed legally or voluntarily by Citibank. The only reason I would not get the loan would be due to my low TRW score of XXXX which is a direct result of Citibanks inability to do their job.
|
| 06/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
To whom this may concern, On XX/XX/XXXX I have received a payment through a balance transfer from a XXXX credit card of a family member to my Citi credit card for the amount of XXXX, as a result of my Citi credit card having a low balance at the time that the payment was posted my Citi credit card reflected a negative balance of XXXX when the payment posted. On XX/XX/XXXX I reached out to Citi to request a refund for the negative balance on my account. I was told that Citi will wire the funds to my checking account in no longer then 7 to 10 business days. After 10 business days past I reached out to Citi to follow up on the credit refund. I was told that the refund was being delayed as a result of some sort of investigation on Citi 's end and that I could expect a refund from Citi in the next few days. I followed up with Citi a couple more times including on XX/XX/2019 and was constantly told that the refund will be initiated shortly. At that point I have decided not to wait any longer and I used my card for the amount that Citi owed me for the negative balance ( which arrived form a balance transfer payment a month earlier ). To my surprise on XX/XX/XXXX my statement showed a balance of the full payment amount. In addition Citi has reported to the credit bureaus that I owed the amount of XXXX. I immediately loged on to my online banking with Citi and saw that it said that the payment for the amount of {$14000.00} was posted in error and therefore reversed. I reached out to Citi following the closing date of my statment of XX/XX/XXXX, after getting transferred to 4 representatives and after spending 1.5 hours on the phone I was told that I needed to get a letter from XXXX confirming that the original balance transfer which came from a credit card that was not under my name was intended to go towards paying off my account. After we have received the letter from XXXX dated XX/XX/XXXX I contacted Citi on XX/XX/XXXX to find out where I should send the letter to, I got through to a representative who transfered me to her supervisor who insisted that Citi was no longer holding on to the funds that they received from XXXX. He claimed that the credit refund that I have requested during XXXX was wired to my checking account. I told the supervisor over and over again that I most definitely did not receive any wire from Citi to my checking account. Furthermore the supervisor provided me with the last 4 digits of the checking account that the wire was " sent to ''. I insisted that I did not own that checking account and that I was not familiar with it at all, I pointed out to him that the last four digits that he mentioned to me were those of my credit card and not of any checking account, ironically he thought it was just a coincidence and not a mistake on his end. At some point during the conversation the supervisor said that the funds were returned to XXXX where it came from. When I asked him weather he still thinks that the funds were wired to my account hr said yes, so how is it that it also was returned to chase? I asked, I told him I do not understand where the funds went to was it wired to me or was it sent back to XXXX? His response was that I do not want to understand what he is saying. The conversation with the citi supervisor was mind-boggling bizarre and absolutely ridiculous, we were going in circles. towards the end of the conversation he advised that we reach out to XXXX and dispute the payment that was made on XX/XX/XXXX from the XXXX account to my Citi account. When we reached out to XXXX they said that ones city received the funds they would need to escalate the matter on thire end and it would not be able to be handled on XXXX 's end. I reached out to Citi once again, I spent another hour and a half on the phone, I was transferred from collection department to customer service department and then back again to collection department, no one seemed to be able to help me. I requested that a temporary credit be applied to my account until the matter is resolved they said they were not necessarily able to do so and they would inform me by mail whether a temporary credit would be applied to my account within 30 days. I am currently in the process of getting a few loans and mortgages, as a result of Citi reporting to the credit bureaus that I owe them this amount of money it is causing me a delay in finalizing these loans and mortgages which is translating in to real monetary damage. I am not in a position to wait 30 days for Citi to investigate weather to give me a temporary credit ( for funds that they received ) which will reflect on my credit report. In addition Citi charged ( and is continuing to charge ) me interest for the period of time when the payment was on hold.
I would really appreciate if someone could help me get this resolved.
Many thanks!
XXXX XXXX
|
| 02/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On Monday, XX/XX/XXXX I received my paycheck via direct deposit in the amount of {$1800.00}.
On Tuesday, XX/XX/XXXX I made my usual on-line monthly payment of {$560.00} to AA Citicards. The payment was made on AA Citicards website. My AA Citicards account is linked to my XXXX XXXX XXXX checking account. Whenever I make an online payment through AA Citicards, it debits the amount I authorized from my XXXX XXXX XXXX checking account.
The next day, Wednesday, XX/XX/XXXX I tried to make a purchase but my debit card was rejected for insufficient funds. I then went to a XXXX ATM to withdraw cash and check my balance but was also declined due to insufficient funds. When I arrived at my office, I logged on to my Chase checking account and discovered a {$18000.00} was pending from AA Citicards and that my checking account balance was now over {$17000.00} in the negative. ( See attached ). I immediately logged in to my AA Citicards account and confirmed XXXX had indeed improperly processed a payment of {$18000.00} ( for the entire amount due ) instead of the amount I authorized of {$560.00}.
I logged on to my account with AA XXXX and chatted online with one of their representatives ( XXXX XXXX who stated AA Citicards would be refunding me {$18000.00} but that it would take 3-5 business days. This meant I would have no access to my checking account funds until sometime the following week. I saved the chat and submitted it as an attachment to XXXX via email. XXXX responded that it would respond to my email in 1 or 2 business days. As we were facing an imminent winter storm that evening, I needed to access my checking account to buy additional food/water/supplies. I went to a XXXX branch at XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX and spoke to banker XXXX XXXX. I gave XXXX XXXX a copy of the online chat transcript I had with AA Citicards. XXXX XXXX faxed it to XXXX whom I believe is a claims specialist. I was assigned claim # XXXX. Ultimately, however, they said there was nothing they could do until Monday, XX/XX/XXXX.
On XX/XX/XXXX I received the following email response from XXXX : We removed {$18000.00} from your account because the check or items deposited on XX/XX/XXXX were returned unpaid.
We received your request to research a transaction on your account.
When I logged on to my XXXX account, the correct balance was reflected ( {$1300.00} ). An email from XXXX directed me to call the Customer Claims Department at XXXX. I immediately called and spoke to XXXX and she said there was nothing else I needed to do. I was able to make a couple of purchases so I thought everything was resolved.
The next day Saturday, XX/XX/XXXX my debit card was again declined due to insufficient funds. I logged on to my checking account and again saw a pending debit of {$18000.00} from AA Citicards. My checking account balance reflects an overdrawn account balance of - {$16000.00}. I called XXXX again and a banker informed me a stop payment could be made for {$30.00} and that this was my only option. The banker said the stop payment would not be processed until the end of the business day on Monday ( XX/XX/XXXX ) and would be in effect for 18 months for the exact amount of {$18000.00} from AA Citicards. I therefore authorized the stop payment.
Tomorrow will be 1 week since this ordeal and out of no fault of my own, I have been denied access to my own money. It is difficult to understand how a credit card company can erroneously process a payment and hold ones money up for a week. It is also difficult to understand how a bank could withhold ones money for days because of a credit card companys error, and when a credit card company repeats the error, charge the consumer {$30.00} for a stop payment. As a consumer, I feel powerless and defeated.
Consumers need protection from errors like this. A credit card company should not be able to submit an unauthorized amount and hold up a consumers access to their checking account for days at a time. A bank should also not hold up an account for days, especially when such a discrepancy between the pending claim ( {$18000.00} ) and the actual funds in the account ( {$1800.00} ) are so obvious. A consumer should not be made to pay a {$30.00} stop payment fee when the error is clearly not their own. In the past, I have received calls from XXXX XXXX for fraud alerts before they paid an item. While this was not fraud, but rather an excessive unauthorized payment, this should have flagged XXXX Bank to call me.
It only took minutes for these corporations to completely drain my checking account, yet when it came to reversing the transaction it has taken days, and in my case almost a week. This is unacceptable and needs an appropriate and immediate legal remedy. I am a single, working mother who relies on my checking account to pay for basic needs.
|
| 05/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Re : CitiMortgage I n XXXX of XXXX , due to my spouses Military overseas relocation orders to XXXX , I lost my employment and over {$28000.00} plus bonuses in income. We contacted CitiMortgage immediately and I was told to put in a Hardship Letter with a request for a short sale or deed in lieu of by a representative by the name of XXXX XXXX refused to give last name ). I was told that to qualify, that we had to show military orders of relocation or significant loss of income/employment or listing the home for at least three months with no sale. I was also told our situation would not be given top priority because we owed less than {$100000.00}. On XXXX XXXX , XXXX , we faxed everything that they asked for, I called to make sure that they received it and we were told that they were sending out someone to take photographs of the property and do an appraisal, which they did. They told us they would have a decision in six to eight w eeks. I was told to call the property preservation department ( XXXX ) with our account number, social security number and name and they would give us the address to send the keys. When I called them two weeks later from XXXX , they had no record of us so they could not accept the keys. I called XXXX , to find out what to do with the keys to our home and was told that XXXX was no longer in that department and when I told them the situation, they had lost or misplaced the paper work and no case had been started, and I would have to start the whole process again. This time I sent the package to XXXX ( again, refused to give last name ) in the deed in lieu of and short sale department and she gave me an address to send all the keys with instructions to put our names, address, loan number and the last four of our social s ecurity number. Again, we followed all the instructions given to us. Since that time, I have resent the original packet numerous times, filled out paperwork and sent it in, and sent a copy of the Military POA and Military Orders. When it became apparent that CitiMortgage had no intention of making a decision, we asked for a set of keys to the home returned to us so we could try to sell it again before it deteriorated. When we left the home, it was in perfect condition and cleaned both inside and out in preparation for Citi to put it up for sale. Citi refused to send any keys to us. Starting on XXXX / XXXX / XXXX , we started receiving letters from CitiMortgage u nder the federal Home Affordable Foreclosure Alternatives Program ( HAFA ) that stated that CitiMortgage appreciates the opportunity to evaluate your eligibility for the program, and this letter is to inform you that we are still in the process of conduction this evaluation. These letters started a year and nine months after our request. It also stated that if any other documentation was req uired, we would be notified in a separate communication. Each time I sent the request in, this letter is all they would send. We have letters dated XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX and XXXX / XXXX / XXXX . Each time I called I would get the same thing it is still being reviewed and I could never speak to the same person and no one would give their last name. I have also completed modules over the phone, with multiple representatives, never the same one, which always promised that they would be the one to help and never heard from them again or they had left tha t department and the module, which I requested copies of and never received, were misplaced or lost when I called for an update on them. In XXXX , I was contacted by a XXXX XXXX from XXXX and XXXX XXXX and they had a buyer for the property. Again, both XXXX XXXX and I did everything that CitiMortgage asked but they wouldnt work with her to get the property sold. They wouldnt communicate with her even with my written and signed permission. They would give her no information and the only thing they would tell me was that the request was under review. At one point, the buyers said that someone was cleaning up the outside of the home but when I called CitiMortgage th ey refused to answer any questions until their decision was made. I also have an e-mail from XXXX XXXX detailing her problems with CitiMortgage and all the representatives she spoke with. The people that wanted to purchase the home finally gave up. We have repeatedly done everything th at CitiMortgage has requested. This started almost seven years ago and the home is now beyond salable condition. This needs to be rectified immediately. Citis reputation for fraud, deceit and scams is well documented, espec ially in its mortgage department.
|
| 12/06/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
The following information is provided by XXXX XXXX customer oXXXX XXXX XXXX XXXX. This COMPLAINT is addressed to CITIBANK.
This complaint is a result of a wire transaction that I initiated from my personal account at XXXX XXXX XXXX on XX/XX/2021. I had just gotten out of the hospital recovering from the lingering effects of XXXX and XXXX. My business partner in XXXX requested a wire transfer transaction of {$40000.00} as payment for a current business arrangement. I have sent many wire transfers to this individual in the past and proceeded to initiate the wire via my XXXX XXXX XXXX online banking platform. The sending bank is XXXXk XXXX XXXX, and the receiving bank is Citibank. I inserted the requisite wire transfer information on the XXXX XXXX XXXX XXXX banking platform and knowingly admit I may have transposed the beneficiary account number. I received a confirmation from XXXX XXXX XXXX and assumed my wire transaction had been processed as usual and without any complications. My suspicion of my transposition error of the beneficiary account number became a reality the following day when my business partner called and inquired about the {$40000.00} transfer, indicating he had not received the money in his account at Citibank. I promptly called XXXX XXXX XXXX customer service line and asked what happened to the money transfer I initiated the prior day. I informed the bank representative my business partner had not received the funds and I wanted to know what happened to my money that was taken out of my account? I was transferred to several individuals within the XXXX XXXX XXXX customer service area and was told they would open a case and investigate. I waited to hear from someone from XXXX XXXX XXXX when I finally received word that after their 45-day investigation period Citibank still had not responded to the XXXX XXXX XXXX XXXX for information XXXX therefore the case is closed. I continued to pursue my quest for information on the disposition of my money and time and time again I was told Citibank is not responding and there is nothing further that can be done to locate my {$40000.00}. I ask the questionHow can two big banking giants like XXXX XXXXXXXX XXXX and Citibank just disregard a consumer inquiry of funds that were taken from the consumers account ( mine ) and not provide any explanation. How can this happen? Why should XXXX XXXX XXXX or Citibank not be held accountable for the disposition of my funds? How do I know the funds have not been misappropriated or possibly still sitting in a bank holding account? I am a consumer that can not afford to simply lose money that I wired in good faith. Either XXXX XXXX XXXX or Citibank should have the resources to provide me with some answers as to the whereabouts of my funds.
The original date of my transfer is noted on my checking account statement as XX/XX/2021, to date I am still in limbo and my questions as to the disposition of my funds have been ignored. XXXX XXXX XXXX is blaming Citibank and Citibank is not responding to any requests of information. Where is the oversight within these institutions?
I have filed a complaint with the OCC and the Federal Reserve in hopes of getting some answers as to my missing money. I finally received a response on XX/XX/2021 from a representative at XXXX XXXX XXXX informing me that the bank has repeatedly attempted to contact Citibank and since they are not responding to any requests of information, my case is once again closed.
Who is the responsible party here for locating my funds? Where is the {$40000.00} that was taken out of my account? Why has Citibank been afforded the luxury of non-response to any XXXX XXXX XXXX requests? I personally find it hard to believe that the random numbers I may have input through an online banking platform can be credited to someone's account at Citibank. Where is the accountability within the financial industry to protect the consumer? There are still many questions here that require answers. I believe I am due an explanation as to the disposition of my money. XXXX XXXX XXXX lack of caring and apparent inefficiencies have made my life very stressful ; {$40000.00} is a hefty sum of money I cant afford to ignore and just accept XXXX XXXX XXXX response that my case is closed. I wired the money out of my account in good faith and XXXX XXXX XXXX has put me in a very difficult financial situation. I would appreciate any assistance your banking division could provide. XXXX XXXX XXXX and Citibank need to accept responsibility for this situation and provide me with some answers. Additionally, I have never received provisional credit during the XXXX XXXX XXXX investigation process and the ongoing quest to recover my missing funds has taken a toll on my financial resources. Thank you for your consideration in looking into this matter.
|
| 01/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
|
On XX/XX/2020, my husband, XXXX XXXX. XXXX, died while in the hospital. We both had Citi Costco Visa credit cards under our individual credit accounts. On XX/XX/XXXX, I called our Citi Costco Visa to pay off the balance ( s ) on both cards as we had recently purchased a furnace installation service ( app. {$7000.00} ) and I did not want interest to accrue nor pay the bill late. At first, the customer service representative at the credit card company gave me my balance and processed the payment for my card but when she heard my husband had died, she did not tell me his balance and immediately closed his account ( ( # XXXX XXXX. When I insisted she just tell me the balance so I could at least just pay it, she further closed MY Citi Costco Visa card ( # XXXX ) even though this card was not attached to his credit card account. When I insisted that this card was under my own individual account, she passed my call on to her supervisor. This supervisor verified that I was right and informed me that the account would be re-opened and a new card issued by that Monday, XX/XX/XXXX. I told her I needed to have that card because I was going to pay for my husband 's funeral on Monday ( at XXXX XXXX XXXX XXXX XXXX in XXXX, PA. XXXX She assured me the card would arrive in time. It did not. Moreover, when I attempted to purchase a new cell phone that day at Best Buy ( in XXXX XXXX, PA XXXX and use a different credit card ( also a Citi Mastercard XXXX, it was unexplainably denied. My daughter had to purchase the phone with her credit card. A few days later, when the card still did not arrive, I again called Citi Costco Visa and received the same information ( that my credit account was closed in error ; a new card was being issued, etc. ) At that point, I decided to open a new credit card online on XX/XX/XXXX with Citi DoubleCash Mastercard. I knew I had an excellent credit rating ( between XXXX ). It was automatically denied ( attached to this complaint ) because " [ T ] he credit privileges on your existing account ( s ) are currently restricted. '' I was puzzled as to what this meant but very sure that Citi Costco Visa was the cause. I called them again and -again- assured that their Recovery Department was reviewing the case and I would receive their decision within a month. At that point I realized all the assurances I was given by the previous two supervisors were completely -and deliberately- false. There were/are no credit cards on their way to me. I was also worried that the denial of the Citi cards ( both at Best Buy and online application ) were affecting my credit rating. So, on XX/XX/XXXX XXXX the day after my husband 's funeral ) I logged into XXXX XXXX and pulled my credit report. I confirmed that Citi 's actions did indeed negatively affect my credit rating, bringing it down between XXXX points. Citi reported that the credit card was closed at THEIR request, XXXX the reduction of my credit rating. Furthermore, whatever they erroneously reported to the credit agencies have restricted all of my credit so I am currently being denied new credit cards AND WORSE, I can not use any existing card ( s ) that I have! Today, my daughter again called Citi Costco Visa [ ( XXXX XXXX XXXX XXXX to demand an explanation for their outrageous actions. The representative that answered the call XXXX XXXX XXXX confirmed the facts I'm claiming here but told me the case was still being reviewed by their Recovery Department and they would re-open and re-issue the credit card ( if warranted ) but that there was no time frame she could give me. I find this situation incredible- not only was my card cancelled but Citi 's actions have, and are continuing to, damage my ability to pay bills and maintain my life, now unfortunately, completely on my own. I understand obtaining credit cards are a privilege but no company has the right to lie and unjustifiably damage a citizen 's credit reputation and impede their ability to maintain their lifestyle. A lifetime of excellent credit enables one to open cell phone accounts, gas and electric accounts, internet accounts, and obtain loans at the lowest interest rate available and/or without collateral. Now that I have to proceed to remove my husband 's name from my house deed, and all my utility accounts, I need my excellent credit rating, which I have rightfully earned, to continue my life. It should not be held hostage to a company that not only erred, but LIED to me, and is continuing to cause damage to me. I respectfully request your assistance as my repeated phone calls have not resolved this problem at all. I have attached any paperwork I have. I also hope that you can obtain the recordings of the phone calls I made to Citi ( their automated voice system says " all calls are being recorded ... '' ) to further verify elements of my complaint.
|
| 05/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On XX/XX/XXXX, XXXX, I received and email from XXXX XXXX ( CitiMortgage ), XXXX, asking me to contact her regarding a mortgage inquire I wondered few days before at XXXX XXXX XXXX We spoke over the phone with her and she wrote another email the same day asking for initial information from me and my wife to start the process.
The initial closing date in the offer accepted by the seller was XX/XX/2021. However, XXXX XXXX, asked for more time in order to make it possible to process the Loan successfully. We asked the seller, and XX/XX/2021 was accepted and I sent the amendment to XXXX XXXX on XX/XX/2021.
We were offered 2.375 % interest rate but then we were told we needed to LOCK the rate for a fee. I decided not to do it until we were close to the closing date in case interest rates plummet. XXXX weeks before we LOCKED the rate at 2,5 % Since the very first day we received inquires from XXXX XXXX and in each one of them, our response was submitted within a 24 hours time frame.
During the last week of XXXX, XXXX started asking for documents that were already submitted. We resent them within the same time frame of 24 hours XXXX asked us to provide proof that other properties we owned were Mortgage free and said we need to have our lawyer to contact a title company to produce that certificate, we did it at a cost of USDXXXX. Also, XXXX started asking that every document already sent needed to be in .PDF format, making the process slower.
Seller asked and extension of 11 more days for the closing date, We accepted, and notified Citi Mortgage, that they will have 11 more days to arrive safe at closing. The new closing date was XX/XX/2021 One week before closing I wrote and email alerting that we only had seven days and I had not received any information about approval or rejection of the loan. Then Citi Mortgage started to ask for more documents and repeating inquires for documents already submitted. I wrote a bunch of emails resending the information, establishing that they were being resent and noticing the dates they were originally sent, and 3 days before the closing date they stop answering my calls and sending more documents inquires.
In total I sent to CITI MORTGAGE 95 emails containing all the required information to approve or reject the loan. However, Citi Mortgage response was not to show at Closing. Leaving us total defenseless before the compromise we had to pay for our house on XX/XX/2021.
I decided to use my savings at Citibank, to pay for the house in cash in order to avoid losing USDXXXX we had deposit as a guarantee for the transaction I complained to XXXX XXXX XXXX at Citi Mortgage XXXX Area Lending Manager MD/DC/NOVA Citibank , N.A . C : XXXX F : XXXX NMLS XXXX XXXX, and he apologized to me in the name of CITI MORTGAGE and offered me a remedy to this very uncomfortable situation. He said a Citi Mortgage more experienced employee from CITI Mortgage in Washington DC was going to contact me to offered me the solution to the problem generated by them.
XXXX XXXX XXXX, XXXX Lending XXXX, NMLS XXXX, Cell XXXX, Email : XXXX offered me a refinancing of my house at a higher rate, near to 4 %, and paying for the closing fees again. I said that I understand this as a Bait and Switch and that I was not interested. I also asked him for reimburse for all expenses I had incurred during the FAILED MORTGAGE PROCCESS.
XXXX XXXX, evidently offended for my mention of the BAIT and SWICHT, ordered his employees to close the process and reimburse me only for the expenses I paid Citi Mortgage and not for CPA XXXX they asked me to get signatures and certifications from, Title Company they asked me to certify that my other properties were mortgage free, etc.
I do not only want all my monies back, but also I ask for an investigation of this situation in order to prevent other people to become victims of this negligent, inefficient and wrongful practice.
I formulate the following questions : What would have happened if I did not have the funds to buy the house at closing? For sure I would have lost USD XXXX, and the possibility to buy the house that We, at our family, decided to buy. Would CITI MORTGAGE be held responsible for USD XXXX? How can we calculate the damage produce by CITI MORTGAGE in the hypothetical event that we could not pay for the house in cash at closing?
I have all the emails available for submission as per regulators request. As follows my request for reimbursement : XX/XX/2021 XXXX XXXX XXXX XXXX {$970.00} XX/XX/2021 CITIBANK NA {$860.00} XX/XX/2021 RAPID TITLE SEARCH ON XXXX XXXX AND XXXX XXXX XXXX XXXX TO DEMONSTRATE NO MORTGAGE WERE IN PLACE. XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/2021 CERTIFIED ACCOUNTANT FEES {$2000.00} TOTAL EXPENSES INCURRED ON CITI FAILURE MORTGAGE {$4300.00} Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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On XX/XX/XXXX, while visiting my parents for five days on vacation, I went to the University XXXX XXXX XXXX XXXX and used my credit card to pay the meter in the parking lot. Then I walked into the gym and went for a swim.
During that period of time, unbeknownst to me, my credit card was stolen from my clothing while I swam. The person who took my card went and spent XXXX at the XXXX on XXXX XXXX ( store XXXX ), a store location Ive never been to. Then went to XXXX XXXX XXXX and wracked up two charges, one of XXXX and then a second charge of XXXX. Thats when Citibank reached out to alert me of suspicious activity while I was eating at XXXX for lunch with my family.
The woman I spoke with told me there had been some irregular activity and could I confirm or deny a series of recent charges. I confirmed that the two charges at XXXX XXXX had been fraudulent but omitted the XXXX ( XXXX ) charge because I had made a purchase at the XXXX ( XXXX ) by my parents house the day before and mistook the fraudulent charge for my honored purchase. It was only recently while looking at the store numbers and walking through the events that I pieced together that this was the first of the charges on my stolen card. This oversight as well as my misapprehension that I had possession of my card seems to make up the basis for Citibanks investigation. I assumed my card was in my possession because I had used it only hours before. If I had been aware of the difference between a fraud involving stolen card numbers and a fraud involving a stolen card I would have proceeded differently. I was not pushed during my initial conversation with Citibank to confirm that my card was in hand. I was informed by the representative that it was likely my card had been scanned while making a purchase and a counterfeit copy had been made. The first representative I spoke with led me to believe that all was well, the charges had been caught quickly and the case was closed. I was not informed that there would be a fraud case opened by Citibank or that I should in any way prepare myself for questioning as a suspect.
Over a month later I spoke with an agent XXXX who had been assigned to my case and was grilled about how it was possible that someone else had made fraudulent purchases on my card if it was still in my possession. I was caught off guard when I spoke with XXXX. A month had elapsed since the charges had occurred and I had put the entire episode behind me. XXXX was somewhat caustic and intense which only compounded the situation. I stated this fact to XXXX and he seemed to back off and apologize, finishing our conversation on a more conciliatory note. After our talk I naively assumed that as a customer of Citibank I would be taken for my word having attested to the fact that I did not make these charges. I didnt understand how serious a situation this was until I received a letter today explaining that the case had been closed and I was being billed for the total of the contested sum.
Exacerbating the situation is the fact that I am working and living on a farm in upstate New York that is essentially off-grid and have to drive into town to get cell phone service and pick up mail from my P.O. Box. This has made me slow to grasp both the severity of the situation and the tone of Citibanks agents, treating me more like a criminal then a customer. Now that I am fully aware, I am prepared to do whatever I must to strike these fraudulent charges from my balance. I will continue to make minimum payments on the total in good faith that these payments will be returned to me at the resolve of this matter. If I can not resolve this with Citibank than I will file a complaint with the Consumer Financial Protection Bureau.
Not only have I never stepped foot in a XXXX XXXX but my purchase history with Citibank reflects my frugality and show these charges to be completely out of character. Citibanks alert system picked up on this and I was notified of the fraud taking place. I can provide witnesses for an alibi and testimonials to my character. Whatever is needed I am willing to provide.
On a final note, I want to remind Citibank of its pledge to its credit card customers. This is directly from there website and I will attach the link as well.
{$0.00} Liability On Unauthorized Charges You Won't Pay for ANY Unauthorized Charges Youre protected against unauthorized charges on your consumer credit card account.
At Citi, you will not be responsible for unauthorized charges ( charges which were not made by you, or anyone allowed to use the account ).
Why did Citibank not simply check if the signature of the disputed charges matched my own? Why was the merchant not held accountable for failing to ask for Identification? Why am I the customer being held responsible for charges I never made?
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| 03/27/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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My wife and I applied for new checking and savings accounts from Citibank on XX/XX/XXXX. At the time, the bank was running a bonus promotion that promised to pay an account bonus of {$400.00} when the accounts were funded with a total of {$15000.00} within 30 days of opening and an additional {$100.00} bonus when direct deposits were made in 2 consecutive months.
We funded the account with a {$15000.00} transfer to the new checking account on XX/XX/XXXX and our account was credited the same day. We then began direct depositing my wife 's paychecks to the account on XX/XX/XXXXwhich continued for another 5 semi-monthly pay cycles. We maintained at least a {$15000.00} balance in the account through XX/XX/XXXX, well past the required 60 days to qualify for the bonus.
Shortly after opening the account, we received a welcome letter and signature card which was to be signed and mailed back to them. My wife and I both signed the signature card and I mailed it back in the provided envelope the day after we received it ( early XX/XX/XXXX ).
The first indication I had that there was a problem with the account came when I attempted to transfer money from the new checking account to the new savings account at the same bank. When I tried to make a transfer I received a notification that I did not have access to the savings account. I called customer service on XX/XX/XXXX and spoke with " XXXX '' who advised me that there was a flag on my account for their fraud department. I was given a number to call ( XXXX ). I called the number at XXXX XXXX and received an automated message that the department I was trying to reach is only available during regular business hours, but there was no indication given as to what those hours were. I called the number several more times over the course of the day and kept getting the same message.
Later that day, I called back to the regular customer service line and spoke with " XXXX. '' I explained the situation to him and he advised me that the reason for the fraud hold is that they never received a signature card for my account. I told him that I did, in fact mail them the card but that I would be happy to do another one and mail it certified mail this time if he would just send me another one. He assured me that he would email and physical mail me another signature card.
As of XX/XX/XXXX, I had not received any communications from Citibank either by physical or email. I checked my email filters and confirmed that no communications were flagged as trash or spam. I called back and spoke with a representative named " XXXX. '' She advised me that they received my original signature card on XX/XX/XXXX but that there was only one signature on it. I requested for them to provide me a scanned copy of that signature card as I made absolutely sure that both my wife and I signed it before mailing. She told me that was impossible and that I would need to complete a new signature card. I told her about my previous conversation with another representative who promised to send another signature card that I never received. She responded by saying that she can not / will not make any guarantees that I will actually receive any communication from them, only that she would enter a request to have one sent. I asked what happens if she does that and I still don't receive the signature card. She told me that I would need to go to a branch location and sort it out in person with a banker. Conveniently enough for them, I live in XXXX XXXX, TX where there are no Citibank branches. The closest branch to me is 2 hours away in XXXX XXXX. I told her that it was not an option to make a 4 hour round trip to get this sorted out and asked what my other options were. She eventually admitted that my only other option would be to close the account and withdraw the money.
As of XX/XX/XXXX, I still have not received any communications from Citibank. After being given 2 different explanations about what was wrong with my account, being told by 2 different representatives that I would receive a communication to rectify the situation, and being referred to an 800 number that is never answered, I am left with no alternative but to believe that the " mistake '' regarding my signature card was an intentional act on their part to avoid having to pay me the contractually obligated bonus I am owed.
This is a case of fraud, plain and simple. This bank is advertising an account signup bonus in order to attract infusions of cash from customers like me, while having no intention of honoring their end of the contract. I have essentially given them an interest-free loan for more than 90 days now and all they have to do to avoid paying the account bonus is to claim that I did not submit the signature card properly and refuse to provide proof to back up the claim.
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| 08/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/18 I hired XXXX XXXX and XXXX XXXX XXXX CA to build a professional, lead-generating, state of the art website for my business. The amount paid was {$3400.00} and the website was to be delivered by XX/XX/18. The merchant never delivered the product and became completely unresponsive to my many attempts to contact him for a resolution.
On XX/XX/2018 I submitted a dispute with 15 pages of evidence showing the merchant was unresponsive and that he never delivered the product purchased. Citi issues an temporary credit and went ton investigate. A month later on XX/XX/18, Citi resolved the dispute in the merchants favor inexplicably. They provided the merchant 's response which had a one sentence paragraph stating " Product built and delivered on XX/XX/18. In addition, the merchant provided Citi with a link for the supposed website they had built and delivered which consisted of a make-shift website that looked very similar to splash page crested on line for free. On top of the fact it was never delivered to me, the " website '' did not have my domain name, and it failed to include my name, company 's name, contact information, address, " about us '' section, basically it was missing all of the components of a business website.
I immediately called Citi and asked them if they received proof of delivery from the merchant to which they answered " no we didn't and we don't have to ''. I asked if they had reviewd the link provided by the merchant to where they said " that's not our job ''.
on XX/XX/18 I re-disputed the charge and this time I provided another 15 pages of supporting documents as well as a piece of indisputable evidence which I was sure would make Citi change their position. The evidence was as follows : The merchant stated the website had been built and delivered on XX/XX/18, yet the domain registration report for the creation of the website stated the domain name used and the website were registered on XX/XX/18. Meaning that, the website was created one month after it was supposedly delivered and conveniently after the merchant received the dispute. I made several attempts to contact the merchant which were all well documented and provided to Citi along with other supporting information, I provided the piece of evidence regarding the creation date of the website in question. I was feeling very good at this point, not only because I had provided evidence that the product was never delivered but also because I had proof that the merchant had lied in their response taking the level of fraud one step further.
On XX/XX/18 Citi sent me aletter asking for additional information, except this time there was one specific request " Proof of what was expected versus what was received. '' I couldn't believe it! I asked to myself " are they messing with me? '' Regardless of how idiotic their response, I went ahead for the 3rd time and provided several pages explaining in detail that I had not received ANYTHING from the merchant. It was not a matter of the quality of the work or my satisfaction, it was a matter of blatant fraud and I had the proof which had been provided to Citi. Again, I felt pretty good about my bullet proof response. I received email confirmation that my response had been received by Citi.
Today XX/XX/18 I received a correspondence from Citi stating the following " We previously contacted you requesting information necessary to complete this inquiry. Since we have not received the proof showing the merchant was promise to deliver the merchandise, we are unable to assist you. '' As you can see it is so poorly written that I can't even make sense of what it states other than a big XXXX XXXX to me.
This has been an ongoing matter which has cost me a lot of stress, time and effort and all because Citi refuses to even look at the evidence I provided. I also know that this merchant has done this same scam with several people and keeps getting away with it. Also online, I have found other 's who have been in very similar situations where the merchant fails to deliver the goods or provide any proof of delivery and Citi still rules on their favor.
There has to be something we can do? Somebody, somewhere has to protect us as consumers, and I am hoping in this case it is you that can help me. I know that maybe {$3400.00} isn't a lot of money to some people but for me and for my business ' current situation this is an amount that could put me out of business.
Attached is the latest package of information provided to Citi but needless to say I have a lot more which was provided to Citi during this process. I am more than happy to provide you with any additional information you may need.
I am very hopeful since I am at the point of desperation and have nowhere to turn.
Thank you in advanced for any help you can provide.
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| 05/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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XX/XX/XXXX : Signed up for Citi Diamond Preferred credit card with 0 % intro APR on balance transfers for 21 months. As part of the online signup process, I did a balance transfer in the amount of {$5100.00} from another credit card, which was subject to a 5 % transfer fee on the {$5100.00}, calculating out to {$250.00} transfer fee.
1st Billing Period - XXXX : Bill arrives in mail with a total initial balance of {$5300.00} ( {$5100.00} + {$250.00} transfer fee ). My plan is to pay the credit card in full before expiration of 0 % 21 month promotion period. I made my 1st payment in the amount of {$250.00}. I get this monthly payment amount by taking $ XXXX {$250.00} and rounding down little.
2nd billing Period - XXXX : 2nd Bill arrives with new balance total of {$5100.00} ( {$5300.00} - {$250.00} from first payment ). I repeated the $ XXXXmo. payment all the way through Billing Period XXXX which had a due date of XX/XX/XXXX. This took my 21 Mo. 0 % APR credit card promotion balance down to {$3100.00}, with approximately 12 months remaining on the promotion period.
Citi Flex Loan Offer : On Monday, XX/XX/XXXX I applied for a Citi XXXX XXXX in the amount of {$11000.00} to pay for a small home remodel. I was able to do this because Citi gave me an initial credit limit of {$14000.00} when I signed up on XX/XX/XXXX and I currently only had a credit card balance of {$3100.00} as of XX/XX/XXXX. The Citi Flex loan request was approved on Thursday, XX/XX/XXXX for the amount requested. The FULLY AMORTIZING LOAN TERMS are : Loan Amount - {$11000.00}, Plan APR - 5.99 %, Plan # payments - 60 months, with a FULLY AMORTIZING MONTHLY FIXED LOAN PAYMENT AMOUNT of {$220.00}, which is shown on the documentation I received from Citi. This is very important to remember and will be explained why below.
Billing Period XXXX : Credit Card bill shows up in mail with the new Citi Flex Loan amount of {$11000.00} included on bill, along with existing 0 % APR Promotion Balance amount of {$3100.00}. New total credit card balance is now {$14000.00} ( {$11000.00} + {$3100.00} ).
Moving forward, the plan was to make a monthly credit card payment in the amount of {$470.00} to Citi. This new payment amount is made up of $ XXXXMo. I have been paying on the 0 % APR Promotion Balance & now the new Citi Flex Loan fixed monthly payment amount of {$220.00} provided to me by Citi. This will allow me to pay off the 0 % APR Balance before promotion period expires on XX/XX/XXXX and then just keep making the $ XXXX/Mo. payment toward the Citi Flex Loan balance after that.
Instead of the above happening, Citi is applying the entire {$470.00} monthly payment amount, minus the minimum payment amount due on the 0 % APR promotion balance portion of the monthly bill, to the Citi Flex Loan balance. IN ADDITION TO THIS, Citi is charging me additional monthly interest on the outstanding Flex Loan balance, even though the fixed monthly payment of {$220.00} is calculated as a FULLY AMORTIZING LOAN WITH A 5.99 % APR. This is how Citi calculated the monthly payment to be $ XXXXmo. Every month Citi adds an additional line item on my bill with additional interest to what is already calculated in the XXXX XXXX monthly payment. HOW CAN CITI CHARGE ME EVEN MORE INTEREST ONTOP OF THE AGREED TO FIXED APR INTEREST RATE OF 5.99 % ON A FULLY AMORTIZING LOAN?!?!?!
I did not pick up on this error until early XXXX. I called and spoke with a Citi representative on XX/XX/XXXX and explained this clearly to him. He agreed with me, put me on hold and eventually got back on the line and informed me that he submitted a request to have this corrected. Instead of getting my next bill in the mail with the errors corrected, I got a letter from Citi that basically said pound sand and we can apply your monthly payment the way we best see fit. I have now received the next bill in the billing cycle and it has not been corrected. Citi is showing my 0 % APR promotion balance amount as {$2700.00}, when it should be {$1300.00} based on all the payments dating back to first bill..
Think of it this way, I have to pay off my current balance on the Citi Flex Loan of {$8700.00} with a 60 month payment term, before I can even attempt to pay off the 0 % APR promotion balance, which expires in XXXX XXXX. So now I have to wait for the higher interest rate APR to kick in on the expiration of the promotion period and most likely have to pay the deferred accrued interest charges from the promotion period, before I can pay this portion of my monthly bill off?!?!?! I am filing a formal complaint with your office to assist in this matter, as anyone I speak to via the Citi customer support line will not be able to fully process the gravity of this situation, nor will they have the authority to resolve the issue in a timely manner.
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| 02/10/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
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On XX/XX/XXXX, I received text messages telling me 6 transactions in the amounts of {$280.00}, {$280.00}, {$280.00}, {$280.00}, {$270.00}, {$270.00} ( totaling the amount of {$1600.00} ) were being transferred through XXXX. I had previously registered for XXXX money transfer through the Citibank Mobile App, and that is the only way my account was linked with XXXX. I did not know or have any relation with the recipient of these money transfers ; nor did I give my account and password to anyone. I did not operate XXXX in any way that day.
I happened to be on the phone with a Citibank agent regarding other issues, so I immediately informed him of those unauthorized transactions. He told me the transactions would be stopped-which was not true-the transactions were consummated. When I called later in the week to question the charges, Citibank told me XXXX transfers were immediate, so there was nothing Citibank could have done when I reported the unauthorized transactions.
I then disputed the charges with Citibank twice. The first time, they sent me a report on XX/XX/XXXX saying, " On XX/XX/XXXX you authorized a funds transfer in the amount of {$1600.00}. Since the account that you indicated received the funds, please contact the recipient directly regarding this funds transfer ''. The report also said, " You are entitled by law to obtain copies of the information used in our investigation. '' On XX/XX/XXXX, I called Citibank to dispute the result of the first investigation. I told them I did not authorize the money transfer, nor do I know the recipient. I also requested to see the " copies of the information used in [ their ] investigation ''. As to this date ( XX/XX/XXXX ), I have not received any information used in the investigation.
Following my call on XX/XX/XXXX, Citibank conducted another investigation. They sent me a report on XX/XX/XXXX saying, " We have conducted additional review of your case for {$1600.00}, and we maintain our position to deny your claim. '' I called the bank 's Centralized Disputes Unit on XX/XX/XXXX telling them again, that I did not authorized the transaction. The agent on the phone told me they actually found out the disputed transaction was part of a token scam, and they had barred the token from further scam activities.
I pointed out the self-contradiction in their conclusion : if I was a victim of a token scam, I couldn't have authorized the transaction. The Citi agent conceded but said, because the money had been transferred on XXXX, Citi would not be responsible for the amount. Essentially, because the money had been paid due to the nature of XXXX 's fast transfer, Citi asks me, the consumer of their financial product and services, to bear the loss. I asked to file for another investigation, but I doubt the result would be any different.
I registered for XXXX through Citi Bank 's mobile app, because I believed XXXX had Citibank 's endorsement. I believed in the XXXX context, I would still be protected by Citibank 's service. Citibank disclaims all responsibility despite channeling its consumers through its mobile app onto XXXX.
Claim One : Citibank had violated 15 U.S.C.A. 1693f ( 2011 ) of the Electronic Funds Transfer Act by not making a good faith investigation of the alleged error, not having a reasonable basis for believing that the consumer 's account was not in error, and knowingly and willfully concluded that the consumer 's account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation. 15 U.S.C.A. 1693f ( e ) ( 1 ) ( 2 ).
Knowing that the disputed transactions were part of the consequences of a token scam, they issued me two letters telling my, they found that I authorized the transactions. This action should constitute willfully concluding the consumer 's account was not in error when such conclusion could not reasonably have been drawn. Alternatively, they did not conduct good faith investigation or have reasonable basis to believe my account was not in error.
Claim Two : Citibank had also violated 15 U.S.C.A. 1693h ( 2011 ) by failing to stop payment of a preauthorized transfer from a consumer 's account when instructed to do so in accordance with the terms and conditions of the account. 15 U.S.C.A. 1693h ( a ) ( 3 ).
According to my bank statement, the disputed transactions were consummated on XX/XX/XXXX, after I had called Citibank at least twice to report I did not authorize the transactions. They claim they could not have done anything to prevent my loss, despite being on notice, because the transactions were made through XXXX. I do not know how true this statement is, and I have reasonable grounds to believe they have also violated 15 U.S.C.A. 1693h ( a ) ( 3 ).
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| 12/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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TIMELINE of FRAUDULENT CHARGE OF {$45000.00} BY XXXX FOR XXXX XXXX CITI MASTERCARDS FAILURE TO REPRESENT CLIENT REPORTING FRAUDULENT CHARGES CASES NUMBERS XXXX XXXX XXXX XXXX XXXX XX/XX/2018 : SAW 6 CONSECUTIVE CHARGES OF {$7500.00} ( one {$8000.00} ) on Citi MasterCard online statement for which no services were received and no receipt was issued.
Texted business owner at XXXX XXXX XXXX XXXX re six fraudulent charges from XXXX XXXX XXXX through XXXX for {$7500.00} ( one claimed a {$500.00} tip totaling {$8000.00} ) on my credit card bill. She said she did not receive those funds and would look into it.
XX/XX/2018 : Canceled Citi Mastercard and reported six fraudulent charges. New card issued.
XX/XX/2018 : Met with business owner to look at her deposits and business account. She was never running a higher total than {$2.00} XXXX. She never saw the charge, or the funds. She saw only the charges that I had authorized on XX/XX/XXXX and XX/XX/XXXX, for {$2500.00} and {$930.00}, respectively. ) She said that on XX/XX/XXXX her XXXX machine started acting up, requiring a password repeatedly, when it had not done this before. She replaced the machine with a new one.
( I have text images as evidence of these dates : not included in digital documents but I have hard copies ) XX/XX/2018 : Returned SIGNED DOCUMENTS TO CITI BILLING DISPUTES verifying that I DID NOT AUTHORIZE THESE SIX CHARGES AND RECEIVED NO GOODS OR SERVICES FOR THEM. I ALSO DID NOT EVEN SEE THEM UNTIL THEY APPEARED ON MY BILL.
XX/XX/2018 : I canceled and replaced my Citi Mastercard a second time, as recommended by the investigators, to avoid the new number being made automatically available to auto-debit clients.
XX/XX/XXXX to XX/XX/2018 : I called Citi BILLING DISPUTES, FRAUD, AND OVERCHARGE DEPARTMENTS bi weekly. During this time, the different departments kept bouncing my cases back and forth, many different stories and much confusion, finally all 6 disputes landed in FRAUD. The different departments claimed to be confused about which department should handle each charge of {$7500.00}, because on two of the six dates, I had been present and authorized another charge. The fact that the {$7500.00} was additional to the one I authorized, and matched all the other fraudulent charges, did not convince them that they were all the same case. For a while they called two of the charges, overcharge, and FINALLY they figured out the OBVIOUS FACT that these were all fraudulent charges.
XX/XX/XXXX to XX/XX/2018 : I worked with XXXX in FRAUD ( direct line XXXX ) providing signed documents, a copy of my license XXXX XX/XX/2018 ), and written verification of research she asked me to do. That research was to go on to XXXX and look at the receipts they claimed. I replied that they were all fraudulent in emails dated XX/XX/2018 and XX/XX/2018 ( attached ).
XX/XX/2018 : On a follow up call to XXXX in FRAUD, she gave me her final assessment that THE SIX CHARGES WERE FRAUDULENT. She said, because of the high $ amount, it had to be signed off by her Supervisors. She said that she had discussed the charges with her supervisors and they verbally agreed that these were fraudulent charges. She believed that I would be refunded the full amount, {$45000.00}, by XX/XX/2018, but could not guarantee this until her Supervisors put it in writing. She also mentioned that Citi MasterCard had a XX/XX/XXXX deadline to work with, so I would definitely have this resolved before that date.
XX/XX/XXXX to XX/XX/2018 : I called daily, because I saw two conditional credits ( of six ) but these conditional credits had shown on my online statement before, and had been removed. XXXX number rang but was no longer answered. I was told they were still reviewing. On XX/XX/XXXX, I replied that they could not still be reviewing, and after being transferred twice, demanded to speak to the people in charge.
XXXX XXXX, a Manager in FRAUD, then proclaimed the unbelievable : they had reversed their decision and deemed all the charges were legitimate! I asked what recourse I had, and she said all I could do was write a letter to the OFFICE OF THE PRESIDENT and request ARBITRATION.
XX/XX/2018 : I called to get the address for the Office of the President, so I could send the letter requesting ARBITRATION. I was connected to BILLING DISPUTES, and XXXX heard my explanation and reopened the disputes.
XX/XX/2018 : XXXX in BILLING DISPUTES requested that I present signed forms attesting that I did not authorize these charges. ( I had already sent these forms on XX/XX/XXXX, he did not have a record. ) He said the XX/XX/XXXX charge could not be reopened because it was being handled by FRAUD. Incorrect.
XXXX Suggested that I contact XXXX XXXX XXXX, XXXX XXXX XXXX, The Federal Trade Commission and the Attorney General.
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| 07/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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To Whom It May Concern : XXXX XXXX performed an egregious action and placed an unauthorized charge of {$9000.00} onto my Citibank Costco Visa credit card on XX/XX/XXXX.
Since then I have been making attempts to dispute this charge, which I believe is absolutely unmerited and quite frankly an act of customer abuse. By accepting the charge, and therefore paying XXXX, not only did Citibank honor their bad faith, but also they have removed my ability to have a fair dispute with XXXX.
This all started when I reserved a rental car with XXXX through Costco Wholesale Corporation, in the United States, for pickup at XXXX XXXX, in XXXX, on XX/XX/XXXX. My final destination was XXXX an XXXX XXXX. Around XXXX, about 20 kilometers to XXXX , an oncoming car forced me to the side of the narrow XXXX XXXX. The passenger side of the car was scrapped on the guard rail. There was no collision with another vehicle. This was not an intentional action. While there was cosmetic damage to the side of the car, there was no damage to the actual operation of the vehicle. Since that road is extremely narrow, and there was no safe space/shoulder/emergency stopping lane in which to immediately stop the car, I decided to continue driving to my destination.
Upon reaching my destination, I immediately called the XXXX XXXX office many times, but no one answered the call. I then called a generic customer service line at XXXX to inform them of the accident. The customer service agent did not inform me that I needed to complete a police report. He simply directed me to visit the nearest XXXX/XXXX branch the next day, since all branches were already closed. The next day, I visited the office in XXXX, where I described the situation to Ms. XXXX XXXX, the customer service agent, including the fact that there was no police report. She informed me that I had purchased full coverage and was not liable for the damages, and proceeded to complete the claim paperwork to exchange the car. The car was immediately exchanged and at no point during the interaction did she inform me that a police report was mandatory to process the insurance claim, otherwise I would have obviously reached out to the police. The agent either failed to perform due diligence by neglecting to inform me of the need of a police report, or was instructed to do so, in bad faith. How can one even file a claim without a police report and not inform the customer of the need for such an important document?
When the car was returned at the XXXX XXXX, I notified the person that there were two sets of paperwork, because I had had an accident with the first car. She checked the computer, said I was good to go after visually checking the car, and said the car return confirmation would be e-mailed to me.
Nearly a year later, XXXX placed an arbitrary and unauthorized {$9000.00} charge on my Citibank credit card that I absolutely refuse to pay. The agent in XXXX convinced me to buy their fully comprehensive insurance, at an additional XXXX Euros on top of the reservation cost. By purchasing the insurance, they guaranteed me that I was going to receive full coverage and shouldn't be concerned with anything.
When I first started disputing this charge, Citibank customer service provided me with an alternate option and encouraged me to open a claim with Citi Benefits to take advantage of the {$50000.00} rental insurance on the Visa card. I wasn't informed about the limited window of time to follow up on the dispute. I was hoping to resolve this matter with Citi Benefits and not engage in a dispute process, but they also turned me down after two months of investigations. I was bounced around for months and received misguided information from customer service everywhere, protecting XXXX and refusing to protect me.
As mentioned above, Citibank has removed my negotiation power, XXXX has received their arbitrary {$9000.00} and is obviously not responding to my complaints ( since Citibank gave them the money I was disputing ). Therefore, I am left with no recourse other than opening a complaint with your institution. All I see is a joint effort to extort money from people who don't have it to give it to them. Very bad and predatory practices by XXXX and Citibank have created an enormous amount of anxiety for me and my family and a potential ruined credit, on top of all the issues we are already handling due to the COVID-19 pandemic, including potential unstable employment for both my wife and I!
We are very disappointed at the lack of care and support from Citibank for regular customers, giving preference instead to big corporations.
I am hereby requesting that you please help to remove the {$9000.00} charge from my credit card, including all late and other fees associated with it.
Thank you very much!
|
| 05/19/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
XX/XX/2020 I applied online and was approved for a Home Depot consumer credit card issued by Citibank , N.A . ( account # ending in XXXX ).
I applied for the card to take advantage of a new account discount advertised on Home Depot 's website.
In pertinent part, the website states the following with respect to the subject discount : This offer is redeemable for either a {$25.00} discount on a single-receipt purchase of {$25.00} up to {$290.00}, a {$50.00} discount on a single-receipt purchase of {$300.00} up to {$990.00} or a {$100.00} discount on a single-receipt purchase of {$1000.00} or more within 30 days of your account open date at The Home Depot retail stores or homedepot.com when made with your The Home Depot Consumer Credit Card, The Home Depot Home Improver Card, The Home Depot Commercial Revolving Charge, or The Home Depot Commercial Account.
On that date, and in reliance upon this representation, I used my new Home Depot consumer credit card to purchase an electric lawnmower ( Mower 1 ) ( order # XXXX in the amount of {$330.00} ).
Pursuant to the terms of the new account promotion, the promised {$50.00} discount was applied to the purchase.
XX/XX/XXXX - XX/XX/2020 I took receipt of Mower 1 ( XX/XX/XXXX ) and its battery ( XX/XX/XXXX ), which had been delivered to my local Home Depot ( XXXX XXXX XXXX XXXX, XXXX, VA XXXX ).
XX/XX/2020 - XX/XX/2020 I used Mower 1 several times and, after attempting to troubleshoot the problem, concluded it was defective.
I decided to return Mower 1 to my local Home Depot.
I identified a different lawnmower that I wished to purchase ; it was in stock at my local Home Depot ( Mower 2 ) for {$390.00}.
XX/XX/2020 Given I opened a Home Depot consumer credit card account to avail myself of the {$50.00} discount, I wanted to ensure that Citibank would honor the discount when I exchanged the defective Mower 1 for Mower 2.
I called Citibank using the Customer Service number on the back of my card and asked if Citibank would apply the {$50.00} discount to my purchase of Mower 2.
The agent assured me that Citibank would apply the discount to the Mower 2 purchase.
She instructed me to perform two separate transactions ( rather than a single exchange transaction ) at my local Home Depot to ensure the {$50.00} discount would be properly applied.
First, she said, I should return Mower 1 so that it would be credited to my account.
Second, she said I should purchase Mower 2 as a separate transaction using my Home Depot consumer credit card.
XX/XX/2020 In accordance with the Citibank agents instructions, I went to my local Home Depot, where I returned Mower 1 and purchased Mower 2.
The {$50.00} refund was not applied to the purchase of Mower 2 at the time of purchase, so I decided to monitor my account to ensure Citibank applied it after the fact.
XX/XX/2020 I checked my account and determined that Citibank had not applied the {$50.00} discount.
I called Citibank Customer Service and asked the agent about the status of the discount application.
She informed me that my purchase of Mower 2 was ineligible for the {$50.00} discount because Citibank had applied the discount to the purchase of Mower 1.
I explained that I had to return Mower 1 because it was defective and that I bought Mower 2 in reliance on the XX/XX/2020 representation of another agent that Citibank would honor the {$50.00} discount in connection with that purchase.
She stated that the agent with whom I spoke on XX/XX/XXXX had misinformed me and that there was nothing Citibank could do.
I asked to speak to her manager and was connected to XXXX, a supervisor on the Citibank Escalation Departments Client Advocacy Team.
XXXX stated that new account holders effectively have one bite of the apple when it comes to the {$50.00} new account discount, Citibank will only apply it to the first purchase, and wont apply it to a second purchase even when, as here, the new account holder returns the item because it is defective.
She said that the Client Advocacy Team cant deviate from this policy due to marketing regulations.
My frustration grew over the course of this phone call, and I advised XXXX that I believed Citibank had violated UDAAP given that, to my detriment, I opened this account in reliance on the Home Depot websites representation that I would receive the {$50.00} new account discount and I returned Mower 1 and purchased Mower 2 using my Home Depot consumer credit card because a Citibank agent assured me that Citibank would honor the {$50.00} discount.
XXXX apologized that an agent had misinformed me but stated there was nothing she could do.
At my request, she escalated this matter to the Executive Response team ( from which I received an automated email but have had no further communication ).
|
| 06/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Company : Citibank, " XXXX XXXX '' card Summary : While I was being in my home state with my credit card in my pocket, I received a fraudulent charge from another state, which I reported it immediately after being notified. Two weeks later the bank closed the dispute saying that a chip reader was used and I said the card was in my possession it couldn't have been fraud and that I'm responsible for the charges. After calling them again and saying that I had proof of being in a different state at the time, they ignored my request to reopen the dispute.
Detailed timeline : On XX/XX/XXXX I spent my entire day at or around my home in XXXX, NY. At XXXX EST I received a text message from my bank asking if I " attempted {$280.00} at QT XXXX INSIDE ''. I immediately opened my banking app, and saw that there were 3 other transactons, all of which were in North Carolina. The banking app had a notification asking the same question ( whether I committed the transaction ), which I answered with No. The app offered me to report all fraud transactions, and I selected all 4 of them. The transactions were {$170.00} | XX/XX/2021 XXXX XXXX ET | XXXX XXXX XXXX XXXX NC {$110.00} | XX/XX/2021 XXXX XXXX ET | XXXX XXXX XXXX XXXX XXXX NC {$100.00} | XX/XX/2021 XXXX XXXX ET | XXXX* XXXX XXXX NC {$57.00} | XX/XX/2021 XXXX XXXX ET | XXXX* XXXX XXXX NC The app asked me if I was in posession of my card. I opened my wallet and my card was in there, so I replied Yes.
A few days later the bank 's security department reached with a few other questions. I've confirmed that I was in the possession of my card and told them where I was physically present at the time.
Almost 2 weeks later, On XX/XX/XXXX I received a letter stating that the dispute was closed. The letter said " The card 's XXXX chip was used to make the disputed transaction ( s ) at a chip enabled card reader. You verified that your card was in your posession at the time of the transaction ( s ), so we don't consider thatis fraudulent activity ''.
To me it sounded like the aforementioned statement from the letter was implying to things : 1 ) The card used at the transaction must've been my card.
2 ) I must've been the one inserting it in the card reader.
Since neither of those assumptions were true, I decided to immediately call the bank 's security department. They paraphrased the statement from the letter and declined to continue investigating despite me offering proof. I asked for a phone number of email to talk to someone who would be willing to receive additional proof for me, but my request was declined. I was told that the only way my case would be reopened was if I could show them proof that I " did not commit the transaction ''.
I can obtain cell phone records showing my location in XXXX, NY and witness willing to attest my physical location at the date of the transactions, but the bank refused to listen. I also did my own research on what constitutes a " Reasonable investigation '' and I found this https : //www.consumerfinance.gov/rules-policy/regulations/1026/interp-12/ # 12-b-Interp-3, and I do not believe the bank did the investigation in good faith. Looking at individual points i. " Reviewing the types or amounts of purchases made in relation to the cardholder 's previous purchasing pattern. '' - The fraudlent charges were out of my pattern. In the past 6 months, I've had only 1 recurring charge of < {$50.00} and only 2 charges, which both were < {$50.00}.
ii. " Reviewing where the purchases were delivered in relation to the cardholder 's residence or place of business. '' - I've never been in North Carolina. I do not have friends, relatives, or work-related points of interested in that state.
iii. " Reviewing where the purchases were made in relation to where the cardholder resides or has normally shopped. '' - I only normally shop in NY, but in the past 5-6 months I haven't used this card in person in NY, and only had the 2 charges in Florida.
iv. " Comparing any signature on credit slips for the purchases to the signature of the cardholder or an authorized user in the card issuer 's records, including other credit slips. '' - The bank did not mention any signature, but even without seeing that signature, I would be willing to testify that it's not possible to be mine.
v. " Requesting documentation to assist in the verification of the claim. '' - The bank refused to take any proof of my location from me.
I stand by my statement that I did not commit those charges, and I believe my bank is intentionally avoiding fullfiling my right to be protected from liability.
I've attached the letter they received and redacted Text records from my mother 's phone showing that she sent messages to my phone number in NY on the date of the transaction.
|
| 10/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
Complaint against : Citibank N.A.
XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX XXXX Date of Charge : XX/XX/XXXX Amount : {$1500.00} of {$1600.00} Here are the facts : I was significantly overcharged by a local Taxi Driver ( the Merchant ) on a short trip from my home in suburban XXXX to XXXX XXXX XXXX on XX/XX/XXXX. The agreed charge was {$60.00} ( the distance was 18 miles - typical Taxi or XXXX fare ~ {$40.00} ), but the taxi driver used my corporate card issued by Citibank on the small XXXX card reader, charged {$1600.00} with forged signature absolutely without my knowledge or consent, and refused to produce a sales slip, citing machine failure but promising to text a receipt, which he never did. After my texts and voicemail of many rounds, the Taxi Driver left a voicemail on my cell phone on XX/XX/XXXX, explicitly admitting the overcharge and promising to refund, but he never did it, either.
I started disputing the charge after it came to my knowledge on XX/XX/XXXX. Here are the facts that demonstrates Citibanks failure to properly handle and resolve the dispute and protect its customer.
1 ). After this {$1500.00} overcharge came to my knowledge on XX/XX/XXXX, I immediately called Citibank customer service phone number ( referenced above ) for the purpose of filing a dispute. The customer service representative on the phone failed/refused to file a dispute on my behalf, insisting that I provide a sale slip at first, even after I explained clearly that the Taxi Driver refused to provide a sales slip. According to the Fair Credit Billing Act of XXXX, the burden of proof is on the Merchant ( the Taxi Driver ). The insistence that a victimized customer provides the sales slip, which should and could be obtained from the Merchant, before starting a dispute, was erroneous, misleading, and unreasonable.
2 ). A dispute was successfully filed later on XX/XX/XXXX when I called Citibank again, with the help of another customer service representative. Citibank issued a chargeback of {$1500.00} on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, Citibank mailed two requests respectively, for signed statement and supporting documentations. Both requests were promptly responded and addressed by me, through Fax to Citibank. In particular, I stated the facts that the signature was forged and I possess a voicemail from the Taxi Driver who explicitly admitted the overcharge.
3 ). After XX/XX/XXXX, there was no further request from Citibank. While I assumed that the dispute has been successfully resolved and called on XX/XX/XXXX and XX/XX/XXXX to confirm the closure of the dispute. The customer service representative on XX/XX/XXXX was not able to see any status. The customer service representative on the call on XX/XX/XXXX assured me that the dispute has been resolved in my favor and I should not worry about anything, and I requested a statement by mail. However, to my shock, after five months of no status update, on XX/XX/XXXX, Citibank closed the dispute in favor of the Taxi Driver and rebilled the {$1500.00} on my corporate card, disregarding overwhelming and unequivocal evidence including the apparently forged signature and the voicemail from the Taxi Driver.
4 ). On the latter from Citibank dated XX/XX/XXXX requesting signed detailed letter and supporting documentation, it states We must receive this information within ten ( 10 ) calendar days of the date of this letter. The letter from South Dakota was not delivered until XX/XX/XXXX - it may take another 5 days to mail back. Even though I responded immediately by fax, such a short period as ten calendar days can barely cover the days needed to mail both ways and poses an unreasonable burden and risks to Citibanks customers.
5 ). On a related side note, I specifically subscribed email and SMS alerts on high value transaction amount, configured on Citibank Commercial card website. However, when the card was replaced due to fraud concern, the alerts were turned off. I re-configured the alerts but as I can see online today, this high value transaction alert is again turned off.
It has been more than seven months since the {$1500.00} outrageous overcharge occurred and my dispute was filed. This has been the only credit card charge dispute I have ever had so far, but the process and result that Citibank handles this dispute were extremely frustrating and disappointing, and simply wrong. It demonstrates the significant lack of protection and care to its credit card customers. I reserve my right to take any necessary actions including legal actions, and will certainly escalate this dispute to the senior management of Citibank and my company that has thousands of employees and tens of million dollars of transactions every year through the corporate card relationship with Citibank.
|
| 03/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ISSUES PRESENTED : First, Macys Guarantee to Not Hold me Accountable. I placed an order on Macys website ( ship-to-store, Macys, XXXX XXXX, TX ) and when I went to the store to pick it up, I lost my card. Another customer found my card ( which was taped to my order confirmation ), and without my authorization, used the print-out to pick up the order AND used the card to purchase a pair or shoes at the XXXX XXXX ( inside Macys ). I spoke personally to the manager at Macys, in XXXX XXXX, TX, and she guaranteed that I would be refunded and have a XXXX balance. Macys now refuses, on a corporate level, to honor this guarantee.
Second, Macy has not provided written notice of the amount due, specifically : ( i ) charges for the online order ( which I never picked up ) ; ( ii ) charges for a pair of shoes I didnt purchase or authorize ; and ( iii ) late fees. My email address is : XXXX ; this is also my Macys account log-in. I have never received a statement from Macys at this email address. Additionally, my home mailing address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I have never received a paper statement, or notice of a late payment, at this mailing address.
Third, improper notice on 2 fronts. I am represented by an attorney, XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I informed the Store Manager at Macys in XXXX XXXX, TX of this circumstance, and the manager assured me that this would be duly noted and all correspondence would be directed to my lawyer.
Fourth, Macys has knowingly reported incorrect information to the three ( 3 ) primary credit reporting agencies, XXXX, XXXX, and XXXX. Macys guaranteed that I would not be responsible for the charges and yet they continued to report to the 3 credit reporting agencies that I was delinquent.
Fifth, Macys reduced my credit limit without justification and without notice.
Six, Macys did not issue cards when fraud was evident.
FACTS : I placed an order on Macy 's website on XX/XX/XXXX : Order # XXXX, for Two ( 2 ) Sets of Colonial XXXX Teaspoons, total cost : {$25.00} This order was placed online ; but it was a ship-to-store order, and the merchandise was required to be picked up at the Macys store in XXXX XXXX, TX. I printed the order confirmation and taped by merchandise card to the order print-out. On Sunday, XX/XX/XXXX, I took the order print-out ( with the card still taped to it ) to the Macys Store in the XXXX XXXX, TX. I was accompanied by my XXXX XXXX son. Shortly after arriving, he had a tantrum that escalated into a full meltdown and we had to leave the store immediately. I accidentally laid down the print-out ( with merchandise card attached ).
I returned to the store on Monday, XX/XX/XXXX, when my son was in school, and I searched the store ; but, I couldn't find the print-out or card. I talked to the Store Manager ( Female, XXXX XXXX, who was extremely helpful and kind ). She looked up the order and said it had been picked up. She said she believed someone found my card in the store, taped to the order, and picked up the order. The manager said she would " take care of everything, '' and I would not be charged for the order. We did not discuss the purchase of the shoes at this time.
Several months past and I didnt receive any further communication from Macys, i.e. I didnt receive statements, letters, late notices, etc., to either my email address ( XXXX ) or XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My attorney, also, did not receive any information. Macys does not send a statement if there is no balance due ; therefore, I thought not balance was due.
On XX/XX/XXXX, I happened to sign on to my Macys online account and noticed that I had a balance which comprised of Order # XXXX, a purchase at XXXX XXXX XXXX ( for Shoes ) on XX/XX/XXXX, as well as several late fees and interest charges. I also noticed that my credit line was decreased to {$200.00} from {$600.00}. I immediately paid the balance and filed 2 online disputes on Macys website. I also called the Macys store in XXXX XXXX, TX to speak to the manager ; but, she no longer works there.
On XX/XX/XXXX, I received a response from Macys indicating that they conducted an investigation and determined that I was responsible for Order # XXXX because the order was in-fact picked up in the store ; however, as mentioned above, I did not pick them up myself, another customer picked the order up without my authorization ( as discussed above ). Macys also indicated that I was responsible for the shoe purchase, because the card was present and the EMV chip was inserted ; however, the card was stolen at the time and the customer who used the card was not authorized to do so.
|
| 11/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Consumer Financial Protection Bureau, On XX/XX/2018 I received a report from my XXXX credit management account that my credit details had changed ; XXXX noted that my 18 year old credit card account with XXXX ( Account # XXXX ) had suddenly closed without warning. This was a credit card account I had been actively using every month, used less than 1 % of the extended credit ( {$13000.00} ), and faithfully paid off the balance every month. The XX/XX/2018 paper billing statement ( attached to this as a PDF ) from the credit card company XXXX mailed to me ( statement date XX/XX/2018 due on XX/XX/2018 ) said nothing of closing the account or needing to extend the account date.
I called the number on the XXXX credit card ( XXXX ) for further information. After verifying my account, I was told my credit account was closed due to returned mail concerning renewing the account.
I never received an e-mail or a phone call to verify the return to sender mail and I was still receiving their same monthly paper billing statement in the mail as I did every month ( it wasnt being returned to them and it had the exact same mailing address they had on file ).
The expiration date on the card was XX/XX/2018 and I asked if we could simply reinstate the account, but I was told emphatically that it was impossible to do so and the ONLY way to continue doing business with XXXX was to open and reestablish a new credit card account.
I escalated my concerns and spoke to a manager, but he replied with the same excuse ; the account was closed ONLY because they received back the letter ( return to sender ) they had sent to extend the account. The manager then said he could send a letter stating the same. My reply was how would he know if that letter would even make it to me in the mail or get returned? He agreed and I explained to him how ludicrous the situation was, what my credit concerns were and the fact that I would report this to the Consumer Financial Protection Bureau. I even asked how could an 18 year old credit account be closed due to something as petty as returned mail without some kind of human oversight ; ( I am a retired XXXX XXXX of a small XXXX company ) meaning no business I know or operated would think about closing an active, 18 year old account with NO derogatory actions without reviewing it first especially if there were no way to reverse the action. My concerns with the above are twofold : 1. I have just lost an 18 year old credit account on my credit file. I am XXXX years old and had three long term open credit accounts ( 15+ years each ), maintain a low to mid 800 FICO with all three credit reporting companies, paid off my prior mortgages, no car payment, have no other debts and pay every credit account in full every month. Now I only have two active accounts in my credit file.
Lose - Lose Situation With My Credit a. Closing the account will adversely affect my credit ratings, lower my FICO scores which will cost me money and individual negotiating power via higher APR rates and less attractive loan level pricing adjustments/credit offers in the future ( according to all three credit reporting companies ).
b. Opening a new account to reestablish business with XXXX credit card company will also adversely affect my credit ratings, lower my FICO scores which will cost me money and individual negotiating power via higher APR rates and less attractive loan level pricing adjustments/credit offers in the future ( according to all three credit reporting companies ).
2. They closed my account, all the while continued to send monthly paper billing statements with no warnings of account closure/account renewal and I didnt violate any of the terms of my account. I would certainly understand closing the account if I violated the terms we had agreed to ; late payment/no payment, inactive account, over extend credit, etc. But, in this case I did nothing wrong.
It seems as if they wanted to open a new account with a dubious industry close and switch tactic so they can change the rate and terms to favor them better in the 10 pages of new fine print. Obviously, thats difficult to prove from where I sit, but it seems as the only likely motive for closing such a long standing account without human oversight.
I understand other citizens have more important situations and there is nothing you can do to reinstate the account, but I feel I have a legitimate complaint about this financial giants industry tactics and would like them noted in the public record somewhere and have this information sent from your bureau over to a complaint review board/executive process at XXXX for their review ; if it ever would make it that far or ever get the attention it deserves.
Thank you for your help with this matter.
Cordially, XXXX XXXX.
|
| 02/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX SSN : XXXX CitiBank Account Number ending : XXXX Debit Card number : XXXX Citibank address : XXXX XXXX XXXX, XXXX XXXX FL XXXX, XXXX Citibank branch number Citi Reference Number XXXX Consumer Financial Protection Bureau Case # XXXX ATTENTION : Escalation To - Citibank Senior Management XXXX Level 4 ) or Head Citi Executive Response Unit .
On XX/XX/XXXX, Citibank customer XXXX XXXX was saved by his family from committing suicide after receiving a letter from Citi Executive Response Unit that he will not receive his hard-earned money in the amount of {$34000.00} and his desperate attempts to get in touch with Citibank went unresolved. Citibank 's response Regarding the remaining balance of {$34000.00} this will be sent to the remitters bank.
XXXX XXXX family said they were devastated by the tragedy. It was a miracle to save his life, a few minutes later we will not have XXXX his family said. He actually saved the screenshot, and attached it to his suicide note ; it showed the message from Citibank he will not get his {$34000.00} back. XXXX XXXX was planning this year in XXXX to get married and buy his first apartment with the money he personally deposited {$34000.00} in his Citibank account. XXXX family is accusing Citibank of wrongful suicide, negligent infliction of emotional stress, and unfair business practices.
Citibank violated systematic supervisory failures and gave Citibank customer XXXX XXXX false or misleading information. Citibank since late XX/XX/XXXX failed to exercise due diligence before responding to XXXX XXXX 's concern about his account and his funds On XX/XX/XXXX, Citibank customer XXXX XXXX deposited in his Citibank account cash of {$34000.00} personally at a Citibank branch XXXX XXXX XXXX, XXXX, FL XXXX, United States ( the amount may exceed {$34000.00}, Citibank refused to give us the statement from XX/XX/XXXX and we dont have access to the exact amount ) On XX/XX/XXXX, a fraudulent charge in the amount of {$34000.00} via ACH electronic Debit - XXXX XXXX XXXX XXXX XXXX from his Citibank account.
Citibank customer XXXX XXXX after discovering the fraudulent charge in the amount of {$34000.00} immediately disputed with the Citibank fraud team.
On XX/XX/XXXX, Citibank reviewed the dispute and verified the fraudulent transaction. Citibank issued a permanent credit in the amount of {$34000.00} to Citibank customer XXXX XXXX. ( Citibank reference number : XXXX ; XXXX ) On XX/XX/XXXX, Citibank customer XXXX XXXX initiated a domestic wire transfer in the amount of {$34000.00} to his Citibank business account wire transfer reference number : XXXX He wanted to protect his funds and transfer all funds to his Citibank business account. On XX/XX/XXXX, Citibank froze XXXX XXXX 's personal account and didnt let him transfer his funds. On XX/XX/XXXX, Citibank blocked all of XXXX XXXX access to his bank account, access to his funds, online access, and bank statements.
From XX/XX/XXXX, until now XX/XX/XXXX, Citibank customer XXXX XXXX doesnt have access to his funds in the amount of {$34000.00} On XX/XX/XXXX Complained filed with Consumer Financial Protection Bureau Case XXXX XXXX. Citibank respond but failed to address Citibank customer XXXX XXXX 's concerns about when he will receive his money in the amount of {$34000.00} On XX/XX/XXXX Complained filed with Consumer Financial Protection Bureau Case # Consumer Financial Protection Bureau Case # XXXX. Citibank respond but failed to address Citibank customer XXXX XXXX 's concerns about when he will receive his money in the amount of {$22000.00} From XX/XX/XXXX, to XX/XX/XXXX, Citibank customer XXXX XXXX made over 20 plus calls to Citibank to resolve this issue and Citibank failed to provide any resolution.
On XX/XX/XXXX Citibank customer, XXXX XXXX received a Citibank check in the mail with the wrong amount, in the amount of {$300.00} Citibank check number XXXX and Citibank failed to send the correct amount, and the remaining balance in the amount of {$34000.00}.
Enforcement Action Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, XXXX XXXX has the authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. XXXX XXXX family is accusing Citibank of wrongful suicide, negligent infliction of emotional stress, and unfair business practices. The Citibank customer XXXX XXXX order requires Citibank to Release the funds in the amount of {$34000.00} immediately to Citibank customer XXXX XXXX and send the available funds to the address on file.
Citibank customer XXXX XXXX changed his telephone number ( XXXX ) XXXX and no longer has access to the old number ( XXXX ) XXXX can ONLY be reached via email or mail on file.
|
| 02/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Older American |
|
Citibank glossed over and ignored the most significant parts of my complaint : 1 ) the bank closed my complaint on XX/XX/XXXX without giving me the full amount of time offered by the FCBA for me to respond to Citibank ; ( dispute opened on XX/XX/XXXX ) 2 ) willfully FAILED to conduct a thorough, fair, unbiased investigation of my dispute which was filed on XX/XX/XXXX 3 ) wrongfully recharged my account the disputed amount of {$6000.00} on XX/XX/XXXX after they failed to give me the full amount of time allowed for my response by the FCBA and after they failed to carefully review all my submitted evidence 4 ) as of XX/XX/XXXX wrongfully added the " disputed and Claims and Defenses '' {$6000.00} charnge amount to my " balance owed '' and refused to issue a temporary credit as required by the FCBA.
TIMELINE : In XX/XX/XXXX the merchant promised me 100 % satisfaction guarantee. This promise is found on their website.
On XX/XX/XXXX the contract stated the merchant would use 100 % genuine XXXX parts when repiping my home. As of XX/XX/XXXX, the merchant has refused to give me receipts for the materials he purchased to repipe my home to prove he used 100 % genuine XXXX parts.
On XX/XX/XXXX the merchant began, but did not complete, the work to repipe my home ; he did NOT complete the project and did a great deal of damage to my home.
On XX/XX/XXXX I asked the merchant to provide a receipt for all the materials used to repipe my home to prove he used 100 % genuine XXXX parts when repiping my home. Since XX/XX/XXXX, to present date, XX/XX/XXXX, the merchant has REFUSED to send proof that he used 100 % genuine XXXX parts to repipe my home as stated in the contract.
On XXXX I filed my dispute with Citibank.
On XX/XX/XXXX I delivered XXXX emails, XXXX docs, XXXX GB of evidence to Citibank.
On XX/XX/XXXX Citibank wrongfully closed my dispute and charged back the disputed amount of {$6000.00} after they failed to conduct fair, thorough, unbiased and timely investigation of my complaint.
As of XX/XX/XXXX, the merchant had NOT responded to Citibank!
On XX/XX/XXXX Citibank closed my dispute and recharged me the disputed {$6000.00} without carefully reviewing all the evidence I submitted on XX/XX/XXXX and without giving me the full amount of time allocated by the FCBA to submit my complete response.
As of XX/XX/XXXX, the merchant had NOT responded to Citibank.
On XX/XX/XXXX via email I advised Citibank it is undisputed that the merchant ABANDONED my job. I forwarded the email chain to prove this.
On XX/XX/XXXX, via email I advised Citibank it is undisputed that the merchant OWED ME MONEY. I forwarded one email in which the merchant offered {$1000.00} refund. In another email the merchant asked me if {$6000.00} would resolve this matter.
On XX/XX/XXXX, via email I advised Citibank that it is ILLEGAL for the merchant/contractor to be paid in full for a job when he never finished the job/abandoned the job.
As of XX/XX/XXXX, the merchant had still NOT responded to Citibank.
As of XX/XX/XXXX the merchant still REFUSED to provide receipts to prove he used 100 % genuine XXXX parts for the repipe of my home.
On XX/XX/XXXX, in Citibanks letter they stated their unreasonable demand that I get more evidence for them ; they demanded a contractor 's statement that the work done by merchant/contractor was shoddy and the job abandoned even though Citibank already has been given evidence to prove both points. Citibank was given access to over XXXX GB of pictures and videos that documented the damage merchant did to my property, as well as merchants offer to give me {$1000.00} to compensate me for the damage and another email asking if {$6000.00} compensation would resolve this mess.
As of XX/XX/XXXX the merchant still REFUSED to provide receipts to prove he used 100 % genuine XXXX parts for the repipe of my home and he refused to return onsite to fix the damage and complete all work.
I am demanding a response to each of my allegations listed above in this addendum response. For example, why has Citibank failed to issue a temporary credit for the disputed charge? Why has Citibank made the unreasonable demand for me to pay another contractor so that he can confirm in writing what I already proved. Namely : 1 ) the work was NOT completed/job abandoned ; 2 ) merchant refuses to provide receipts for materials used in my repipe ; 3 ) merchant did thousands in damage to my property ; 4 ) the {$6000.00} charge would pay the merchant in full for work that was not completed, was not delivered as agreed upon, failed to honor the 100 % satisfaction written guarantee, and resulted in thousands in damages to my home even though CA law states it is ILLEGAL for the contractor/merchant to be paid in full for work that was NOT completed.
|
| 02/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
XX/XX/XXXX - I took my vehicle to XXXX XXXX / XXXX XXXX XXXX for a transmission rebuild.
XX/XX/XXXX - I paid XXXX {$500.00} as requested for the parts needed to start the job. Invoice was paid electronically via XXXX on my Citibank card.
XX/XX/XXXX - XXXX provided me with updates on the removal and tear-down of the transmission.
XX/XX/XXXX - I inquire about the progress via text.
XX/XX/XXXX - I inquire about the progress via text.
XX/XX/XXXX - XXXX responds that he needed to order a few extra parts and things will start moving along again in the coming week.
XX/XX/XXXX - I inquire about the progress via text.
XX/XX/XXXX - XXXX says he should have the vehicle back to me by the end of this coming week.
XX/XX/XXXX - XXXX tells me he ran into an issue trying to find a particular bearing that is no longer available from the manufacturer ( discontinued part ).
XX/XX/XXXX - I get a call from XXXX to discuss this discontinued part that is now holding up progress.
XX/XX/XXXX - I locate an overseas reseller who has the part available. XXXX says he has ordered it.
XX/XX/XXXX - I inquire about the progress via text.
XX/XX/XXXX - XXXX says he has not seen the part arrive yet.
XX/XX/XXXX - I ask XXXX if he has a tracking number for the part.
XX/XX/XXXX - XXXX tells me that the part order never went through due to the method of payment he used.
XX/XX/XXXX - I ordered the part myself from a seller in XXXX. Est. delivery of XX/XX/XXXX.
XX/XX/XXXX - I text XXXX that the part should arrive soon and trying to arrange getting the part to him. No response from XXXX.
XX/XX/XXXX - I text XXXX that the part should arrive soon and trying to arrange getting the part to him. No response from XXXX.
XX/XX/XXXX - I text XXXX asking is he's received my texts.
XX/XX/XXXX - I text XXXX asking what's going on?
XX/XX/XXXX - XXXX responds, apologizing that he's been out of town and he will pick up the part from me in the next couple days.
XX/XX/XXXX - I text XXXX asking that he call me.
XX/XX/XXXX - I text XXXX asking that he call me.
XX/XX/XXXX - I text XXXX again asking urgently that he contact me.
XX/XX/XXXX - XXXX responds telling me he does intend to finish the job.
XX/XX/XXXX - I text XXXX asking that he call me to discuss this and that I'm considering at this point just picking up my unfinished vehicle.
XX/XX/XXXX - XXXX says he will call me this evening.
XX/XX/XXXX - XXXX finally calls me and assures me that he is going to come by to pick up the part from me and finish the work on my car. Says he should have it done by the end of next week.
XX/XX/XXXX - I text XXXX asking when he is coming by to pick up the part from me.
XX/XX/XXXX - XXXX responds that he is " working on it '' XX/XX/XXXX - I text XXXX asking if he will be by today to pick up the part.
XX/XX/XXXX - I text XXXX telling him that at this point that I would just like to arrange having my car picked up to take elsewhere.
XX/XX/XXXX - I text XXXX again that I just want to pick up my car and parts I paid for.
XX/XX/XXXX - XXXX texts me that he's been in LA getting medical testing and he will be back by the XX/XX/XXXX and get my car rolling so I can have it towed to another shop.
XX/XX/XXXX - I text XXXX asking for a phone call.
XX/XX/XXXX - XXXX texts me that he had to stay another day and he will be getting back on the XX/XX/XXXX or XX/XX/XXXX and will get my car back to me.
XX/XX/XXXX - I text XXXX asking how it's looking on getting my car back today.
XX/XX/XXXX - XXXX texts me saying that he's not quite back yet, but should have it ready for my by tomorrow morning.
XX/XX/XXXX - I text XXXX and ask him how it's looking this morning.
XX/XX/XXXX - XXXX says he is trying to find the clutch kit that he had ordered for me.
XX/XX/XXXX - XXXX texts saying that couldn't find the clutch kit and may have to refund that portion to me.
XX/XX/XXXX - XXXX texts saying that he is getting ready to head to the shop and get my car rolled out for me.
XXXX rolls the car out for me and left before I could confront him. I find the car with the transmission in parts in the trunk, the engine is sagging in the engine bay by a single motor mount, steering components not connected. There are no new parts from a rebuild kit or clutch kit anywhere to be found. I get my car towed to another shop and after doing an inventory, they tell me there are internal components of the transmission that are missing. I am now looking at having to source another whole transmission in order to get my vehicle repaired.
XX/XX/XXXX - I called Citibank to inquire about disputing the claim and was told that this falls outside of the time limitation allowed refund/chargeback.
I have since tried to contact XXXX regarding the refund on the parts and I am getting no response.
|
| 02/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
RETALIATION regarding CFPB Complaint XXXX.
This Complaint regards cross-retaliation. I believe that Citibank MasterCard is retaliating in response to my CFPB Complaint # XXXX regarding Citibank VISA XXXX Therefore, my first CFPB Complaint # XXXX concerns my Citibank VISA and this Complaint concerns my Citibank MasterCard and additionally describes the larger context of my numerous disputed transactions.
Thank you, XXXX XXXX XXXX, XXXX I am the victim and both XXXX and XXXX.
On XX/XX/XXXX, I filed CFPB Complaint XXXX regarding one transaction that I disputed with Citibank VISA for {$1100.00}. CFPB advised me that Citibank received an immediate notification.
On XXXX ( two days later ), I received an email notification from Citibank MASTERCARD stating that a new message had posted to my Citibank account.
I found two letters posted to my Citibank APP, each BACKDATED to XX/XX/XXXX & XX/XX/XXXX, respectively. These two messages were NOT posted to my Citibank APP on the day before, XX/XX/XXXX. And, it does not take five ( 5 ) days for electronic communications from a bank to post to their own APP even USPS routinely delivers paper mail in less than three ( 3 ) days!
The content of each message was substantially the same. All of my OTHER PENDING MASTERCARD DISPUTES with Citibank, TWELVE ( 12 ) in total ( involving two different merchants ) had been terminated. No explanation or evidence for Citibanks decision was offered and my only option to revive these disputes was by MY PRESENTATION of evidence of chargeback CONSENT-TO-REFUND FROM MERCHANT! which obviously is NOT possible in a disputed situation.
Furthermore, Citibank indicated in both letters ( by my inference ) that IT DID NOT KNOW THE TRANSACTION IDs to which my other prior-refunded transactions corresponded.
Finally, I was NOT advised by Citibank MASTERCARD of the possibility of any continued effort, such as pre-arbitration. I was only notified that my twelve ( 12 ) other disputes were considered by Citibank MASTERCARD to be complete.
On XX/XX/XXXX, I requested pre-arbitration for the twelve ( 12 ) disputed transactions that Citibank MASTERCARD identified as not-yet-refunded but complete. Subsequently, I discovered a thirteenth ( 13th ) not-yet-refunded transaction and requested the missing transaction to be added to my request for pre-arbitration. This problem arose because Citibank has NOT been communicating with me using the unique dispute identifiers ( XXXX ) and, furthermore, has NOT communicated all of its final determinations with me. I have multiple transactions of the same dollar amount so it has been extremely difficult for me to track Citibanks poorly or not communicated decisions. AT THIS TIME, I HAVE REQUESTED PRE-ARBITRATION REGARDING ALL MY NOT-YET-REFUNDED CITIBANK MASTERCARD TRANSACTIONS THAT OCCURRED BETWEEN MYSELF AND BOTH XXXX XXXXXXXX AND XXXX XXXX XXXX
ADDITIONAL IMPORTANT INFORMATION : For context and clarification, please be aware that I was ensnared in over four ( 4 ) dozen fraudulent or incompletely performed transactions involving two ( 2 ) different merchants, XXXX XXXX XXXXXXXX and XXXX XXXX, XXXX, over the course of approximately ten ( 10 ) months. I disputed each and every one of these numerous transactions with Citibank MasterCard, Citibank Visa and XXXX XXXX XXXX and a few transactions were voluntarily refunded upon my initial requests so they did not require the dispute process.
To date, I have recovered roughly $ XXXX ( across three credit cards and two merchants ) using the dispute process. These remaining ( cancelled ) disputes concern thirteen ( 13 ) transactions, totaling about $ XXXX, that have not yet been refunded to me. In the course of the dispute process, I have also learned that both businesses with whom I had dealt are NOT registered in California as required by Law in other words, they are sham-front operations for whom Citibank MasterCard & Citibank Visa have laundered my money. I now believe that both sham-fronts are, in fact, XXXX XXXX XXXX XXXX which might too be a sham-front as it is affiliated with the recently USPTO-sanctioned widespread trademark fraud that originated in XXXX.
All of my transactions when conglomerated constitute high-dollar felony crimes. These crimes have been reported by me to the FBI twice ( XXXX Field Office by telephone on XXXXand at : tips.fbi.gov on XX/XX/XXXX ), USPTO in multiple email communications ( where I also reported the criminal impersonation of a US government official that regarded these disputes ) and to XXXX XXXX XXXX. To date, my very serious complaints have gone without Federal ( FBI & USPTO ) or XXXX XXXX XXXX intervention or assistance. I am confident there are thousands of additional victims of substantially identical crimes.
|
| 11/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/2022, I bought and paid for a cruise with XXXX XXXX XXXX XXXX for my sister and me. Because the cruise was only a week away when we purchased it, I put the charge for both of us on my Best Buy XXXX credit card, issued by Citibank. It posted to my account the next day. A few days after I paid for the cruise in the amount of {$2900.00} my sister came down with Covid-19 and we had to cancel her portion of the cruise. We did so in writing on XX/XX/2022. I have a copy of that email to XXXX XXXX where I told XXXX XXXX my sister would not travel, but I still planned to travel. We each purchased the insurance policy from XXXX that said either one of us could cancel for any reason up until departure time and receive XXXX XXXX of the cruise fare back. The charge for my sister was {$1000.00} and the XXXX XXXX Booking Confirmation XXXX, including the insurance coverage, can and will be provided to you.
Because my sisters cancellation was so close to departure, I didnt expect to hear back from the cruise line until I returned. On my return, I waited and waited to hear from XXXX and they didnt respond in writing. I sent them a second email asking them to reimburse me for my sisters fare and still no response. I then started calling the customer service number at the cruise line and spent many hours on hold, only to be disconnected hours later. In utter frustration, I filed a dispute with my Best Buy XXXX card and was told I didnt have to pay the disputed amount until the issue was resolved.
On XX/XX/XXXX, I had another charge on my Best Buy XXXX credit card statement in the exact same amount of the original charge of {$2900.00}. I started calling XXXX customer service number and on XX/XX/2022, I finally managed to be connected to a XXXX XXXX customer service representative by the name of XXXX XXXX. XXXX XXXX seemed to understand the situation and he immediately credited me with a future cruise credit for my sister and refunded the amount of taxes we were charged. The email between XXXX XXXX and me can also be sent to you. I followed up a week later and XXXX XXXX said there was still no word from their credit card department on why there was a duplicate charge to my credit card bill. Another email a month later went unanswered. I assumed the mistake was with XXXX XXXX because they said they would respond as soon as they had an answer from their credit department, but no response was forthcoming.
In total frustration, I contacted XXXX XXXX XXXX, the President of XXXX XXXX on XX/XX/2022. That email can and will be provided to you. XXXX XXXX responded to me on XX/XX/2022 saying that the duplicate charge was a REPOSTING of a previous charge. There had been a reposting of the amount of my sisters portion in the amount of {$1000.00} on XX/XX/2022. The next charge of {$2900.00} was the whole amount for both my sister and me. In other words, I was charged twice for my cruise and once for my sisters cruise. XXXX XXXX said the mistake was with XXXX and I should contact my credit card provider, Best Buy XXXX.
At that time, I started contacting XXXX. I spoke with XXXX at Best Buy at XXXX mountain time on XXXX XXXX, 2022. XXXX said he understood the issue and was sending it to his account XXXX, XXXX who would be sending me an updated letter within 10 days. The letter from XXXX never came, so I called back again and spoke to XXXX on XXXX XXXX, 2022, who promptly disconnected me. I called back again and spoke to XXXX at XXXX on Tuesday, XX/XX/2022. XXXX transferred me to XXXX who asked me to send my documentation to him in order to facilitate the credit for the duplicate charge. I should have been suspicious when XXXX put me on hold for half an hour but did not give me an address to send the documentation. He gave me a time stamp of XXXX on XXXX XXXX, 2022. XXXX did agree that it could not be a charge back since the original charge of {$2900.00} was never credited back to me, only my sisters portion of {$1000.00} was credited back on XX/XX/2022. I was told the adjustment to my account of {$2900.00} would be accomplished no later than XX/XX/2022, when the new statement was sent out. That didnt happen. I have heard nothing from XXXX, there is no credit to my account, so Im contacting you.
I have gotten the run around from both companies, but XXXX XXXX has put my issue in writing. Despite assurances from XXXX that they understood the duplicate charge issue, they have never put anything in writing. Im told it will be rectified, then nothing happens. In the meantime, Im out {$2900.00}. I hope you can help me. I pay my credit card statement in full every month and I can not afford to float a loan to XXXX in the amount of almost {$3000.00}. Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX
|
| 10/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I will briefly explain then send you the letter I emailed to all of the corporate office with no response and nothing but rudeness. I opened an account online with a California unemployment checks, I was told I would have XXXX $ immediately, which never happened, I was also told I would have all of my funds the next day didn't happen. Well let me just say My kids are pretty much starving, my funds are being held for weeks and three is nothing I could do to access them, customer service had been extremely rude and honestly my attorney an I are ready to file arbitration on Citibank, and go after them for character deprivation, slander and witholdingng of funds. So I hope you can actually help me get my money so my kids do t have to starve. I'm also asking for compensation on the pain an suffering. Thanks Granted this letter when the whole board of director without on response!!
I have had nothing but The absolute worst banking experience of my entire life, most definitely time for myself to file multiple lawsuit 's, arbitration, civil cases and more. My attorney is already on board and has been to witness the horrific customer service the citibank staff has put forth. I opened my account and citi took my funds from my government check that i use to feed my XXXX XXXX XXXX daughter and XXXX XXXX XXXX son with just fine, yet now Citi is trying to tell me that i cant access my money because i don't have and can not afford a cell phone, they have denied my funds, they have belittled me, they have hung up multiple times, they habe slandered my name and caused deprivation of character causing my life harm!!! I have done everything I can to try and get my funds, asking and pleading, explaining my situation that my children will not be able to eat if my funds are heald, ive tried sending photos of my Identification card as well as my Social Security card. Yet Citi bank will not even listen or give it thought to accept. Citi has also charged me multiple wire transfers of XXXX $ twice charged because they deny my funds being sent to feed and shelter my children. Now citi has completely blocked my account with account number being ( XXXX ) My full name being XXXX XXXX XXXX, birthday of XX/XX/XXXX, social security number XXXX, adress of ( XXXX XXXX XXXX, XXXX XXXX, XXXX Nevada XXXX XXXX ), and Email adress ( XXXX ) You at Citibank have made my life miserable in the last 72 hours of banking with you. Im going to the media with this, and will be making sure the XXXX, backs me. Ive already spoken to a member of the FDIC regulations Board who was baffled and advised me that what Citibank is doing is 100 % illegal, and just morally wrong. I just want to be able to provide for my children and buy them some food and pay for necessities. I have a group of individuals nearly 45 thousand across the nation who follow my Music and media, these are close fans of mine that know how hard i work to help others succeed and be merry. I have already blogged and reached nearly 25 % of them, who are now angy, blogging and posting themselves about how horrific Citibank treats their customers. I said to one of citi banks supervisors, " what would you do if you were promised that you would be able to get tour funds from an employee of a bank, yet then they just heald them for no reason, and your children couldn't eat '' he replied to me " sorry about your luck but there is nothing we can do, and you can call back Monday, goodbye ''. As he hung up, this was Friday XX/XX/XXXX. Just one example of how horrible and mentally straining the Citibank staff is. So my one last shot is to reach out to the higher staff of this horrible horrible entity you all call a professional Bank ... Citibank, the hellacious, unprofessional, insubordinate, rude, institution i wish i never would have heard of, unfortunately ive lost years off of my life due to the last 72 hours of debauchery, named Citibank. With that being said, i beg, basically on my knees for one of you who make this bank Citibank mold together for help. Respectfully, professionally and in honest need i can not wait any longer for my funds, my children do not deserve this, i do not deserve this. Morally you know you could fix this, legally if you dont fix this we will pursue FULL prosecution and demand retribution and accomodations that will financially, and emotionally redeem the morbid pain and loss citibank has cause myself and my children. The ripple effect of this will interfere for years due to Citibank. In XXXX name i XXXX, there is at least one Human with a heart, soul, or grasp on ethics involved with Citi Bank. I XXXX .... XXXX XXXX. It would be greatly appreciated if this could be dealt with in a timely manor so my kids can eat. Good day.
XXXX XXXX XXXX Please help
|
| 02/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2017 I went to a business trip to XXXX XXXX. I took a customer and a coworker to have few drinks a bar called XXXX XXXX after dinner. When the server took us to our table I was asked for my credit card to open a tab which I agree because this is a very common practice in the U.S when you go to a bar. When we were ready to leave, they presented me with a non itemized bill for {$1400.00} US dollars. I invite customers for drinks all the time either here in the U.S or in XXXX and I have never paid this kind of money for just drinks .Right away I told the server he had made a mistake since we only had a few drinks. The server insisted it was the right amount so I asked to talk to the manager. The manager came and also insisted that the amount was correct so I declined to sign for my voucher.
He asked us to go to his office so we could talk about this charge, once we were in his office he asked me to show him my ID to check if I was the owner of the credit card. I gave him my ID card and immediately he took a picture of my ID with his cellphone. We argue for a few minutes I asked him to call the cops to resolved this issue but he never did, since he did not call the cops I told him to let us go or I was going to call the U.S embassy, after a few minutes they let us go but I NEVER signed the voucher. When I arrived to my hotel. I called Citi Card Customer Service to report this issue. I explained the problem to the first agent and she transferred me to the fraud department where I explained my situation and I was told not to worry they gave me a credit for the amount and canceled my credit card few days later the charged my card again I called back and after taking to several people I was told the case was closed and I couldn't do anything. I asked to talk to a supervisor he apologized and told me that I was sent to the wrong department ( I disagree because this is clearly a fraud ) so he directed me to the billing dispute department were they gave me another credit but days later those charges where posted again on my account. After reviewing the merchant 's response documentation I have the following observations.
1.- Since the first day I called Citi Cards on XX/XX/XXXX I told the agent I NEVER signed the voucher. After that in all the calls I made to Citi Card Customer Service I stated several times that I NEVER signed the voucher 2.- The customer response states that this is an establishment with meal first and pay later which is a complete lie. If this is a meal first and pay later bar I would have never given my credit card to the waiter after seeing this outrageous charge. They also mention I was satisfied with the service that's another lie. If I was so satisfied why did I have to go to the managers office to argue about this charge?
3.- Citi Card made its final decision based on a copy of a " signed '' voucher which I NEVER signed. ( Forging a signature is illegal ). Note again that I stated several times in all my phone calls with Citi Customer Service that I NEVER signed the voucher. The signature in the copy of the voucher Citi Card sent me doesn't look like my signature at all they probably tried to forge it with the picture they took of my ID. I always sign with a big signature that basically covers a big portion of the receipt. Citi Card has many copies of my signatures on file you also must have copies of my signature but they probably never checked it.
4.- I was never presented with a itemized bill. I asked Citi Cards to ask this establishment to send a copy of the itemized list of the drinks we consumed because I was always curios of why this place was so expensive.
5.- I have been entertaining customers for many years in several countries and I have never been charged {$1400.00} US dollars just for drinks ( dinner at a high end steak house doesn't cost this money ) I ask Citi Card to check my spending history since I use their credit card for business expenses. This kind of money is a fortune in XXXX. I also want to mention that this is not a high end establishment.
I have been a Citi customer for several years.I have never been late with my payments and right now I don't feel they are taking care of me as their customer. They advertise this card as a card for travelers with fraud protection ( this is clearly a fraud and they won't do anything ) and I don't think they are doing a good job protecting me. It is evident that this bar is committing fraud ( 1. Outrageous charge, 2.Forging my signature. 3. Lying about Meal fist Pay later ). I feel like Citi cards just takes any lame answer from the merchant and don't really care about protecting a loyal customer. I also want to mention that I was never contacted by any Citi Card agent to resolve this problem.
|
| 07/15/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
This is a formal request to file a complaint against Best Buy and the Debt Protection Services Program associated to the Best Buy Credit Card.
After 9 years and 2 months of never missing a payment ( 110 months ), I decided to look at my statements in depth to see why my balance wasn't going down after never missing a payment and paying more than the minimum amount required. I trusted these companies and paid what they asked of me. According to my records, I should've finished paying this credit card a long time ago.
As Im glancing through my statements, I noticed a fee being charged on a monthly basis. The fee is detailed by ENHDEBTPROT and seemed to vary depending on my account balance. Not knowing what this was, I called the phone number listed directly to right of the description XXXX.
On XX/XX/XXXX, I spoke to a representative by the name of ***** and informed her that I had never opted into, consented, or purchased the program and was unknowingly paying for a service that I did not authorize or use. I asked the representative to immediately cancel the charges and requested a full refund. The representative stated, We are sorry that you want to cancel your debt protection. We will now cancel your service immediately and will request for you to receive a full refund of the charges. I asked the representative to please tell me how long I have been getting charged and what is the total amount that I have paid towards this debt protection? The representative then states, Unfortunately, I cant tell you how much youve paid or how long youve paid because our system only shows the last two charges. You will be receiving a letter from Best Buy or you will see the credit on your account within the next 30 days.
Not only was I upset as this seemed extremely sketchy, it seemed even more strange that a company would not keep financial records of transactions involving their customers. The representative did her job as she was told and so I politely asked for a cancellation number and requested that the representative please confirm that I would receive a refund. She confirmed and I went on my way.
On XX/XX/XXXX I contacted Best Buy Customer Service and spoke to ***** to request my entire billing history so that I could add up all of the charges they were going to refund me. Every single billing statement from XX/XX/XXXX through XX/XX/XXXX. Best Buy states that they no longer have access to my statements from XXXX through XXXX as they worked with XXXX XXXX and not Citibank. Although I could not add up all the charges, the total amount that was unknowingly charged to my account from the end of XXXX through XX/XX/XXXX, was a total of {$1400.00}.
A few days later, I received an urgent message from Best Buy stating that I would not get a refund as this debt protection was purchased in XX/XX/XXXX and that the charges were valid.
That morning after reading Best Buys denial letter of a refund, I felt deceived like never before. Shaken by the scam and misinformation given to me by everyone involved in the process from Best Buy, Citibank and the Debt protection company offering a refund.
Frustrated with their refusal of a refund, I contacted Best Buy Customer Service and asked them for the contract showing that I had signed up for " Debt Protection ''. The Best Buy employee stated that Best Buy does not have the contract and mentioned I would have to contact Citi Bank in order to retrieve this document.
On XX/XX/XXXX, I reached Citi Bank at XXXX and spoke to **** on Team **** in the Customer Service Department. I requested a copy of the purchase agreement or contract for this debt protection and Citi Bank informed me that Citibank does not have possession of the documents I was requesting.
How remarkable! Neither Best Buy, Citibank nor XXXX XXXX were able to prove the purchase of protection occurred. In addition, he mentioned that they no longer charge these fees to new customers as of XXXX years ago. Not only is the scam continuing for me but I am getting a different treatment than other customers.
I wanted to find a peaceful solution but Best Buy, Citibank and XXXX XXXX XXXX are unable to prove or pay back the monetary lost this has caused. This is extremely unfair and from what I have seen on the Best Buy Support Website, the CFPB complaint database, and online forums, I am not the only one that has been scammed by this Debt Protection scheme.
Thank you for your assistance. I only want what is fair and for this to never happen to anyone ever again. I want a full refund for the entire amount that I was charged as it is over 50 % of my current balance. Please put an end to this deceitful practice and hopefully save others from having to endure the pain and distress that I have felt.
|
| 04/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I applied for, and was approved for a credit card with CitiBank last month. You guys have mailed my card and a welcome kit. In that kit, there was a recommendation to open a checking account. I was in the market for a bank known around the world instead of my local credit union as I typically travel extensively for my work.
I attempted to open the account online. Upon submitting, my application was rejected without reason. The page asked me to call in. The call was taken by your " Fraud Team ''. According to the representative, you were unable to process my application, without reason. They suggested I call and signup over the phone. I called and spoke to a gentleman and he took my application over the phone and sent me the DocuSign documents to process my account. He asked that I call back in a few days and check the status. Meanwhile, I received my checking account welcome package.
I called to just to close the loop and was informed that my phone application was rejected because they were unable to verify my information. When I asked what part, they told me my address is a business address. They are partially correct. My address, XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX is a business address. However, it is an RV resort and I am an Annual Resident. Yes, I live at an RV park full-time. This is my address and I receive mail here ALL THE TIME, including mail from my CitiBank credit card.
Eventually, after being told there was no recourse except to travel 2.5 hours to the nearest bank and apply in person. I refused. Somewhere along the path, they transferred me to XXXX XXXX. I explained to her what was happening. She assured me that I could correct this by uploading the documents she needed to validate the information. I waited for the document to be sent. A few days later, I received the document and attempted to upload the requested information. Except, that I couldn't. XXXX had sent me a document that was still in edit mode. I was able to make changes to the document ( several checkboxes ) in the bottom right of each block on the right-hand side, lower right corner. It would not allow me to upload documents. I have attached that document for your review.
While reviewing this you will notice the 'code ' that is on the greeting line, as well as throughout the entire document. In example, 'Hi, /st_cust_name/ ' in the greeting, and in the right-hand column on every line '/ST_AP_NAO/ ', '/ST_AP_NAF_PRIMARY/, etc.
This document was not finalized when it was sent.
I called and tried to explain to every customer service representative and 'Fraud Investigator ' what I meant. They obviously, do not know the technology. I am unable to upload because it is not finalized. When I called back the next to the last time, XXXX, on your Fraud Prevention Team, said there was nothing I could do, he had no way of finding XXXX XXXX, and he had NO SUPERVISOR. It is awesome that you have the president of the company, or the chairperson of the board taking fraud prevention calls.
The final person I spoke with was able to locate and speak to XXXX XXXX. Unfortunately, by that time the account had been permanently closed and I had been blocked for attempting to apply again for 30 days.
This is appalling. I have checked with the XXXX, something I wish I would have done beforehand, as your organization has a score of F. Their website is peppered with people describing your horrific customer service.
It is sad that a business that used to have such a significant name in the industry has become whatever you want to cause this.
For the record and for your fraud team, my name is XXXX XXXX. My address is <>. My phone number is 8<>0. Although I am bald, I have brown hair and blue eyes. I stand XXXX '' tall and I weigh roughly XXXX pounds. My passport ID number ( which the unfinalized document asked for XXXX ends in <>. My driver 's license ( also requested XXXX ends in <>. My blood type is XXXX I have attached a picture of several pieces of mail ( FROM YOU! ). A piece of mail for my XXXX card. My social security ends in <>. My health insurance is with XXXX. The last three of my STASH credit card <>. My current debit account with XXXX XXXX XXXX XXXX ends in the last 3 of <>. And, the last 3 of my XXXX card is <>. Now, if I don't reside at that address, then you have to be accusing the United States Postal Service or me in behaving in some type of mail fraud. That said, to clear my name, I will be sending a copy of this email to the Inspector General of the US Postal Service, because as you know, attempting to commit fraud by XXXX Mail is a felony, and I have nothing to hide. I bet they want come for me, as I AM NOT FRAUDULENT!
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| 05/03/2023 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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In XX/XX/XXXX, I was induced via a targeted personalized offer in the Citibank app to open a Citibank Accelerate Online Savings Account as an existing Citi Credit Card holder for depositing funds, maintaining them in the new account for certain period of time and receiving a cash bonus. I am attaching XXXX screenshots with the terms of the bonus offer. Subsequently I was informed the Citi promotion code for this offer was XXXX.
Citibank is refusing to honor their end of this bonus agreement and to deposit the promised bonus of {$450.00} to my Savings account. Fortunately I have kept evidence of all of the steps regarding this offer and am able to provide you with details for this investigation.
In good faith and with careful attention to the details of the offer, I proceeded exactly as instructed in the terms and opened a new Accelerate Online Savings account via the Apply Now button in the Citi app. After opening, on XXXX XXXX XXXX I contacted a Citi agent ( named XXXX ) via the Chat function on the Citi website in order to confirm that the account has been opened correctly and according to the terms of the bonus offer and that the bonus is successfully attached to my new Savings account. The agent recommended that I contact a Citi Bank XXXX XXXX XXXX XXXX for better assistance and provided a phone number. I followed the Citi agents instructions and spoke to an agent on the phone on XX/XX/XXXX who proceed to carefully check and confirmed that the account is opened according to the terms of the bonus offer, the offer code is attached to it, the new savings account is added in a banking package with my existing Citi checking account, and there is nothing else that needs to be done with the opening process and enrolling in this bonus offer. In short, my new Accelerate Savings account was determined and confirmed eligible for this promotion by the phone agent.
On XX/XX/XXXX I contacted again Citi via the Chat function, and spoke to an agent named XXXX, who stated : Our records show you enrolled in promotion code XXXX ( screenshot attached ).
On XXXX XXXX XXXX I again contacted Citi via chat, in order to confirm that I have satisfied the promo requirements of the offer ( which I did by that point ). I spoke to an agent named XXXX, who stated : Yes that is correct! You just completed all requirements of that bonus. ( XXXX screenshots attached ). According to the terms of the offer and as confirmed by the previous agents, 30 days after XX/XX/XXXX, no later than XX/XX/XXXX, I should have received the bonus in my Savings account.
Since I did not receive the promised {$450.00} bonus corresponding to my tier of the bonus offer for depositing more than {$50000.00}, I contacted Citi again via chat on XX/XX/XXXX. XXXX named XXXX checked all the steps to confirm that I have satisfied everything and confirmed : The cash reward should have been credited to your account on or before XX/XX/XXXX. The agent also asked me if I have raised a promotion dispute for this and since I had not, they stated : Please do not worry, let me file a promotion dispute for you and as promised by Citi you will get the cash reward. ( XXXX screenshots attached ) Citi replied to the promotional dispute via PDF letter on XX/XX/XXXX ( attached ), incorrectly naming in the letter my account Money Market, instead of Accelerate Savings, and denied the bonus with the reason that : Unfortunately, your account does not qualify for this promotion because the Basic Account package is not eligible under this promotion.
I contacted Citi again via XXXX on XX/XX/XXXX, and spoke to an agent named XXXX. The agent confirmed that my account ending XXXX is an Accelerate XXXX account and is enrolled and eligible for the bonus ( XXXX screenshots attached ). He proceeded to write another promotional dispute which did not bring any resolution to this case.
I also spoke with a Citi supervisor named XXXX ( spelling? ) on the phone on XX/XX/XXXX, and the agent was not understanding nor polite at all and unwillingly proceeded with writing to the appropriate department to investigate further. She suggested that I will hear from the Citi in the following XXXX business days, by the end of the week ( which would have been XX/XX/XXXX ). Until this moment I have not heard from CitiBank.
I am extremely disappointed that Citibank is refusing to honor their end of the agreement. I proceeded and completed all steps of this bonus in good faith, and followed all the steps and requirements as instructed in the terms and by the Citi agents.
I insist that Citi credit my account with the cash bonus of {$450.00} immediately. I am extraordinarily unhappy that Citi can do this to their customers. Thank you for your time and attention to this matter!
|
| 05/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ph : XXXX Email : XXXX Dear Sir, Madam : I am very hopeful that you will be able to help me to resolve this problem and despite that amount seems to be small it is causing a sufficient financial burden in my case.
On XX/XX/XXXX, based on the offer from the XXXX XXXX application, I decided to apply for a City Bank credit card and make a balance transfer of my debt from XXXX XXXX. The debt on the credit card of the XXXX XXXX at that moment was {$1.00} and when I entered the information, I indicated the routing number and account information. At that moment I haven't noticed any errors, it was my first balance transfer experience now recalling I might have mixed up routing and account numbers however if I made a mistake and this information indeed was wrong then either one of those banks should have denied the transaction and notify me of an error. Especially if the routing number was entered instead of the account number.
The transfer was made on XX/XX/XXXX and this amount instantly appeared on the balance of my new City Bank credit card and somehow it was marked as made to XXXX XXXX XXXX XXXX on the Citi Bank statement, but the balance of {$1200.00} on the credit card of XXXX XXXX did not disappear and I started calling City Bank to clarify. I was told to wait a couple more days and advised that we=hen payment cleared through with XXXX XXXX balance will disappear. On XX/XX/XXXX, I called the City Bank again, I was told to call the XXXX XXXX and clarify with them because there were no problems on the City Bank part according to them. I called XXXX XXXX and they say that there is no balance transfer request and there were no payments at all.
I called the City Bank again and they offered to investigate but meanwhile, as an option to proceed with one more balance transfer which I agreed to since the payment fees at XXXX XXXX were high and due to COVID-19, I have lost my employment. At the same time, I am opening a dispute and investigation regarding the previous transfer. As a result, on XX/XX/XXXX, I have an additional + {$1200.00} to my previous balance of {$1200.00} and receive the first letter from City Bank, saying that the dispute is closed, here is a copy of the confirmation that the transfer was successful and attach the confirmation of the second transfer initiated on XX/XX/XXXX!!!!!! I called Citi Bank again, explaining what happened from the start, I insisted on opening another dispute in regards to the balance transfer transaction from XX/XX/XXXX and not for the transaction from XXXX of XXXX. I have no complaints about the transaction from XXXX XXXX.
At the same time, I go to the local branch of City Bank and XXXX XXXXk on XXXX XXXX in XXXX NY and they turn me away because credit cards can only be resolved by phone according to them at the moment, and I keep paying off both transfers. On XX/XX/XXXX, Citi Bank again sends me a letter that the dispute is closed, the transfer was successfully completed, and they refer again the second transfer from XX/XX/XXXX. I go to the XXXX XXXX and force them to help me and, one woman decides to look at the issue and help me, she calls to their credit card department, they say that they did not receive payment, but probably it went to the department of loans and mortgage payments. She called there and we had a three-line call. and this department says that there is no mortgage or loan in my name and they do not know where the payment has gone. This woman prints out account statements for me which reflect that there are no payments were received on my account on XX/XX/XXXX or until XX/XX/XXXX ( the second balance transfer ), meaning that XXXX Bank did not receive any payment from CITY Bank in XXXX at all. I call City Bank again, open a dispute, in response on XX/XX/XXXX and XX/XX/XXXX, they send all the same notifications that the balance transfer went through and provide confirmation for the successful transfer from XX/XX/XXXX. On XX/XX/XXXX, I went to the local CITY Bank to the Branch Manager and she herself began to call and trying to find out, as a result, she could not figure out why the first transfer balance is not visible anywhere in their system, and she was told that they had opened another dispute and that I need to wait for the written confirmation. A month passed, nothing came, I went back to the City Bank manager, no, it turns out that I need to deal with XXXX XXXX and they can't help with this problem.
I am shocked and applied by the service and actions of both banks towards their clients going through it on my own experience. The level of ignorance and mistreatment is unbelievable as there are no other words describing this situation.
Sincerely, XXXX XXXX
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| 11/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XX/XX/2019 we used our Citi card to purchase a shower for my father who was ill. We had to use our card because my stepmother was in the middle of a bankruptcy and asked if we not put it on their credit card or finance it because it would not allow her bankruptcy to go through. In XXXX of 2019 my father opened a XXXX XXXX to transfer that balance of {$6200.00} over. The transfer was complete to XXXX XXXX. Well unfortunately in XXXX of 2019 my father unexpectedly passed away. I called XXXX to cancel his card. They said no problem thank you for letting us know we will take care of it. Well they contacted my stepmother for payment, and she pretended she knew nothing about it. We have documentation and text messages that she is lying. Well XXXX put it in as fraud and it was charged back to my card. They did not do an investigation on the card. Well in the process Citi sent XXXX a check for the {$6200.00} and it didnt clear so they sent them another {$6200.00} and it put my card at {$12000.00}. It took us four months and a lot of phone calls to finally get that taken off and it still brought it back to {$6200.00}. We disputed this with Citi since this was a balance transfer and it was on XXXX not us. Well we tried to talk to XXXX and they told me since I was not on my fathers account, they couldnt talk to me. I contacted the executive office of XXXX and they said they would investigate after filing a complaint with the XXXX. They called back the next day and said since I was not on the account they couldnt investigate. They said they couldnt verify that my father opened that account. I said because he is dead. I said you didnt have a problem excepting the transfer, but once you found out he died then it became an issue and fraud since he was not going to pay. Had he made one payment none of this would have happened. To make a long story even longer Citi has the worst customer service on the planet. Now in dispute they said they would not charge late fees, or service charges while in dispute. That was a lie they charged every month. They then took all those charges off. Here is where it gets good. Since XXXX they have told me that my account was going to be at XXXX. I said great. They said they were going to send it back to XXXX. I was told that same story three months in a row. I talked to supervisors in every department from fraud, collections, customer service, and billing. I was told by 4 different supervisors that my account would be at XXXX. I called on XX/XX/XXXX and talked to them again asking what Is the deal? They said sir on our end you are at XXXX and you wont see it on your end until XXXX XXXX which is the end of your billing cycle. I said awesome. Dealing with them for 10 months I didnt get my hopes up. Sure, enough on XXXX XXXX that money was still on there. I lost it, I called and said how long it this going to take? They put it on my credit report. My credit went down 150 points. I called back again they said you need to talk to billing dispute. I said I have talked to them before. I called 65 times and only got a recording where you cant leave a message. I finally one day after being on the phone with customer service for 45 minutes they got someone in billing. I told her what happened she said this is customer service and transferred me back without me saying NO. Customer Service said sir I dont know why they did that it is a billing matter. Every time I call no lie, I always get collections first since I havent paid in 4 months. They will transfer me to customer service who then will transfer me to billing, who then transfers me back to collections. It is a cluster nobody knows what they are doing. Now I get a letter from XXXX for my Dad last month saying he has a credit on the card of {$6200.00}. They said we cant talk to you because you are not on the card. I said then why do you keep sending stuff to my house? They said we have been trying to send this check to Citi, but they keep rejecting it. I call Citi and they said we have never gotten a check from them. Now I call XXXX back and they tell me dates and the person they talked to about it. I asked them whose name is on the check because maybe thats why they are denying it. They said we cant tell you that sir since your name in not on the account. Who the XXXX are you going to talk to then? How long do I have to keep calling these companies? It has been 10 months, hours, and hours of phone calls. Lies after lies about what they are going to do. I have been told 10 times I would have a supervisor contact me, and not once have I ever gotten a call from either company. Can you help me before they continue to ruin by credit? I keep telling them go listen to the phone recordings to hear what they were telling me.
|
| 11/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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**NOTE : THIS IS NOT A DUPLICATE REQUEST. IT CAN NOT BE DUPLICATE BECAUSE IT RELATES TO AN OCC CONSENT ORDER THAT WAS ISSUED IN XXXX RESULTING IN A CHECK THAT WAS ONLY JUST RECEIVED IN THE PAST FEW DAYS. XXXX Citibank recently issued a check with no explanation. My understanding is that this check was issued by Citibank pursuant to OCC Consent Order # XXXX ( the Consent Order ) relating to Citibanks failure to properly administer a relationship discount pricing program.
I would like to raise the following two concerns for the CFPBs consideration and information : 1. The check issued to me by CitiMortgage provides insufficient compensation for Citis failure to discount the mortgage interest rate to the correct RLP discounted rate ( as required pursuant to the Consent Order. Citi has verbally indicated that the discount that Citi should have extended to me in XXXX would have reduced the interest rate by 25 basis points and that pursuant to its agreement with the OCC that Citi is apparently only required to make an interest rate adjustment for a period of 5 years ( even though my mortgage is a 30 year mortgage ). Citis calculation for its remediation check is limited to interest only and does not reflect the additional amortization that would have occurred if the rate had been adjusted to the rate that they claim should have applied. Nor does it reflect the time value of money. In short, Citibanks interest saved calculation is wrong, Citibank makes no adjustment for the increased amortization that should have occurred, and Citibank makes no adjustment for the smaller overall monthly payment that should have been due every month pursuant to a reduced mortgage rate that would have saved thousands of dollars to date. In paragraph 6 of Article 2 of the Consent Order, the OCC notes that Citibank has instituted a plan to reimburse all customers who did not receive the appropriate RLP benefit and is taking appropriate remedial actions to fully address and correct the violations of law ( emphasis added ). However, Citibank has not complied with the order to fully compensate and fully address its failure to extend relationship pricing to me.
2. In the Consent Order, OCC noted that Citibank failed to provide adequate training to loan officers regarding how to offer RLP to Bank customers and that because of ineffective risk management and control weaknesses, certain Bank borrowers did not receive the RLP benefit for which they were eligible. I would like to bring to OCCs attention Citibanks remarkably similar failure to properly administer its rate reduction program which was offered to me in XX/XX/XXXX. Under this program, Citibank offered to allow borrowers to benefit from a one-time rate reduction opportunity if certain conditions were met. Our loan officer sent us a flyer about the program and confirmed that our mortgage benefited from this rate reduction feature. However, after the mortgage was issued, when I subsequently contacted Citi to take advantage of the feature, Citi indicated to me that the feature had not been included in my mortgage because the Citi loan officer did not fill out the appropriate paperwork for inclusion of the feature. Despite sharing with Citi written communications from our loan officer, Citi has steadfastly refused to honor the feature, which would have resulted in a reduction in our monthly mortgage for several years to date and the remaining 20-plus years of the life of the mortgage. Citi was not moved by my argument that it would be vicariously liable for any missteps of its loan officer and that Citi would be required by law to honor its loan officers representations. Much like the OCCs findings set forth in the Consent Order, the loan officers written representations state that Citi provided inadequate training in connection with Citis new product offerings ; that he had no idea that he needed to fill in any paperwork as he believed the feature automatically applied to all loans ; that he represented to me that the feature was included in my mortgage ; and the he believed under the circumstances Citi should honor the feature. Furthermore, I note that Citibank also indicated that, contrary to the information provided by Citis loan officer, my loan apparently did not qualify for the program because ( according to Citi ) only primary residence mortgages qualified for the program. However, even this response seems flawed because ( 1 ) it ignores the verified representations of Citis loan officer and ( 2 ) the terms and conditions of the policy per the flyer offering the program ( see attached ) do not state that the program only applies to primary residences : it states that offer applies to new home mortgage applications which is what my mortgage was.
|
| 12/19/2023 |
Yes |
- Credit card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX at XXXX a packaged for {$710.00}, I ordered with Best Buy using my Best Buy Citibank Credit Card was delivered by XXXX XXXX At the time of delivery, I was on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That cruise was from XXXX XX/XX/XXXX. I also provided the credit card company proof of that during this dispute. I got home from the cruise on XX/XX/XXXX and did not have a text message saying a package was delivered. Which was odd because we have parcel locker boxes that XXXX and other carriers are supposed to use which stores the package in locked box and will send you a text and code to get your package. My apartment complex provides these boxes so stuff like this doesn't happen. I looked up my XXXX XXXX number and the proof of delivery photo shows it on a counter which is located downstairs in my apartment complex across from the USPS boxes. I went down there and the package was not there. Anyone who walks in this building could have taken it. Why was it not put in a parcel locker box? Why was it not delivered to my address apt door # on the shipping address? I immediately called XXXX and opened an investigation on this situation. That following Thursday XXXX called me back stating that Best Buy is the shipper and needed to call them and file a lost and stolen claim as they were at fault for not delivering the package properly. I took every step possible to try and get Best Buy to contact XXXX and do what they asked and they refused stating it was delivered properly based on proof of delivery. I have a chat log showing me telling them to contact XXXX and do that as well. Bottom line is though it wasn't delivered properly. Proper delivery would be them delivering it to my apartment door # listed on the shipping address, which the proof of delivery photo from XXXX, when you look up the tracking #, shows it was left on a counter. That is not my shipping address apartment door. So it was not delivered properly. And anyone could have taken that package, including the driver after snapping that picture based on where it was located. To top it off, I was on a cruise ship on XX/XX/XXXX. I couldn't even check then and they should have either brought it to my door listed on the shipping address or put it in a parcel locker box which would have secured the package and this would have never happened. Listen, I can't force Best Buy to call XXXX and file a lost and stolen claim like XXXX said for them to do. But it also wont let me file that claim, because best buy and XXXX have a contractual agreement and they need to be the ones to do it. So I had one last option, file a dispute with my Best Buy Credit Card who is done by Citibank. I filed this dispute with Citibank on XX/XX/XXXX after spending hours on the phone with best buy and XXXX trying to get this fixed. I just wanted my item, that I never received. But Best Buy was not doing what XXXX asked and I can't again force Best Buy to listen. So I filed this dispute with Citibank on XX/XX/XXXX for the amount of {$710.00} for not receiving the item and because it was not delivered properly. I sent Citibank tons of proof and documentation. Including a best buy chat log showing me to tell them to contact XXXX and file a lost and stolen claim, a police report, I sent them the XXXX proof of delivery photo which shows the package on a counter and not delivered properly to my apartment door etc. A few days ago Citibank closed this claim, stating Best Buy sent them proof of delivery stating they will not charge it back or refund the item and it was delivered properly. Honestly, I beyond disbelief at how this has been handled. I clearly showed Citibank proof with the proof of delivery photo from XXXX that it was not delivered to my apartment door. I sent them a police report and all this information. Why would I spend XXXX plus hours, file a police report and go through all this if I had the package? I was on a cruise ship when it was delivered and where it was delivered was in an open area downstairs in my complex. not a parcel locker box which we have here which would have secured it, not my actual apartment door which is listed on the shipping address. Also the item is {$710.00} how come they didnt ask for signature or put it at a XXXX drop off location if they had issue or because of the value of the item. I am filing this against, Citibank for denying my claim and accepting what best buy said when its not even valid especially with all the proof I provided. If I am not refunded, I will be seeking legal action. Also I have a XXXX credit score, I have never been late on any payments and I have no debt. So I am extremely upset at Citibanks handling on this. I should not have to pay for item that was not properly delivered and was stolen.
|
| 12/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am following up on a dispute I had made on my Best Buy Credit Card of last year. ( XX/XX/XXXX ) I had filed a dispute roughly a month later ( XX/XX/XXXX ) stating that the service was unsatisfactory the service was lazy ( parts in my vehicle were not reinstalled properly causing issues ), expensive ( low quality parts were installed it would seem I had came to have brakes replaced under warranty in XXXX last year. Afterwards I continued to have issues with the faulty brakes, so instead of going back to have them fix my braking system under warranty I proceeded onto my next step. I made a complaint on XXXX ( XXXX XXXX XXXX ) of the services performed, quality of work, price gouging, and manipulation to consumers that the services they belive your vehicle needs is required when in reality it isn't. I had submitted this complaint middle of XXXX online and awaited a response never got one. ( I was very busy I couldnt just go to the shop. Therefore is why I made the complaint online... the company states they had no Idea of the complaint although I do have the complaint* handy ) Moving forward the dispute on my file didn't go in my favor. My vehicle has been needing attention the audible noise, pulling left and right on the steering wheel, and visible smoke from the braking system was and has been unbearable it as well was putting my jobs at stake. I came to a point of realization I didn't want to deal with this company anymore I wanted to take my buisness somewhere else and forfeit the faulty braking components they installed on my vehicle and get my money back. Realistically nobody should have to come back for work more than two times for a job that shouldve been done correctly the first time with the money paid there should had of been no problems. My offer does still stand on returning the braking components and do my business elsewhere for a full refund otherwise I will not pay the bill I authorized. In addition to the authorization of the bill the workmanship performed if at all was untolerable. I had to fix the mistakes they made due to them not completing the job properly and as well go out of pocket with everything they touched on my vehicle and to this day I'm having to fight for a refund on this bill that way I can have my vehicle serviced for brakes elsewhere. Not only this debt remains unpaid ( {$1900.00} ) but I still have to have my braking system done elsewhere. The shop is practically robbing me and saying " Pay {$2000.00} just because and go get the job done properly elsewhere ''.
I had opened a case in small claims due to the outcome not going in my favor on the Best Buy Credit Card but even so the justice system is not in favor of the little guys. I have all the evidence I need that they ripped me off by upselling, poor workmanship, poor communication, and untrustworthy business practices and even on my end I did my part and I went about the dispute and case as best as I could I as well have a quote* from a local shop that use high quality parts and quality worksmanship. I documented as I went about this dispute and have done so as best as I could. I held off on working on my vehicle until the case was resolved. In time I had to start working on my brakes little by little. Money doesn't grow on trees and I didn't want to put my life in danger anymore with having faulty brakes so I kept the reciepts of the work and parts I had to pay for outta my pocket. I do have more to go which would be the XXXX rotors. Every bit of work they performed was under warranty and even so in the court room they stated that I could go to any XXXX XXXX XXXX XXXX in the US to have my brakes serviced under warranty. I drive a hour from the city XXXX was located ( XXXX, SC - Where work was performed in XX/XX/XXXX ) and requested warranty work ( they set me up for an appointment on XX/XX/XXXX of this year ) and I got clarification from the buisness in XXXX that they would be paying for the warranty work via phone on XX/XX/XXXX so I had made my way to XXXX, SC on XX/XX/XXXX and this XXXX in XXXX told me that XXXX the manager at the XXXX in XXXX denied paying for the warranty work although the XXXX in XXXX stated that warranty work can still be performed. I had made a phone call on a recorded line asking what was going on and they denied me service although they are supposed to honor the warranty according to the FTC ( Federal Trade Commissions ) which is a breach of contract and as well Illegal.
I'm seeking a full refund or to make it whete i only owe {$1000.00} rather than {$2000.00} the labor is the biggest scam of this purchase I only came for a brake job that's all. Everything else was just looked at and not touched and you can't tell me it costs {$1000.00} to look at something.
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| 10/12/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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I have been a client with Citibank for checking and a credit card since XXXX the fall of XXXX I missed payments on my citi card credit card and fell behind .I spoke with the credit card and explained that I was receiving a set amount of family support from my father, told them the amount and had to choose between my business fees for my small business to stay compliant ( bus license renewal etc ) and paying the card.They were not able to offer any more Covid plans so the account went past due.I began to stabilize the card to keep it open with the minimum amount required and continued to do so.Out of the blue Citi sent me an email on XX/XX/XXXX ( see attached ) saying if I met the minimum due on the credit card by XX/XX/XXXX the card would be current and I could start using it again.I was delighted and after I made the payment the card became current and I was able to use it.My credit score improved also.The payment was made on XXXX the weekend of XXXX XXXX ( XXXX ) I logged on to my account and there was a pop up saying I needed to update my information and " To avoid a block on your account, please take a moment to update your information. Thank you for partnering with us on this urgent request. " .I was shocked as there had not been to the best of my knowledge any prior requests ti update my information and started to update- The first question was : Please select a source of income that contributes XXXX percent or more to your total net worth.I checked the box for Friend/Family support.XXXX gave the name of my father and his birthday and source of his wealth ( investments ). I checked " yes '' to the question whether the investments were still owned.The next question was the issue : It asks for the current value of my fathers investments. My father is a high net worth individual and on the advice of his private bank did not want to provide that information to Citibank.Because I can not provide this information I have been informed that Citibank will not be able to do business with me- The account is not blocked yet but they will not relent.I asked the rep I spoke with if my fathers bank in NY could send a letter or fax with verification and something to assure them and she said she doesnt have a fax.These wires come from a well know bank in NY directly into this account .They have said they need all this for anti money laundering and federal regulations but I can not provide private financial details a third party ( my father ) does not want to provide Citibank.They want the " Current Value Of Investments " for my father. Because this is not being made available to give them they are planning on shutting my account and as the credit card is connected this will destroy my credit score and cause a future of enormous economic harm potentially making it impossible for me to keep/get bank accounts.It is outrageous they are demanding the net value of my fathers investments as he is not their client and they can easily see that his wires originate from a highly reputable bank in NY since they go directly into my account at Citibank through wire transfer.I fail to see how this is any of their business or how knowing the net value of his investments would help them fight money laundering or comply with regulations.There was nothing in my original agreement with them ( To the best of my knowledge ) addressing disclosing the net value of a third party 's investments if I was to receive financial help from family.
He has been helping me since the spring of XXXX and I question why they would make my credit card current and then weeks later demand this information.I also do not see why a bank of Citibank 's size and sophistication could not take a verifiaction fax /letter etc from the account manager at my father 's private bank ( The woman I spoke with said " She didnt have a fax '' ) .I was speaking with their Citi Consumer Business Support Unit and verified with the main telephone number at Citiank that this was Citibank and was legitimate.I also logged in on another browser to make sure this was the Citibank site, Almost 30 years of being a loyal client and I am now being thrown under a bus because my father does not want to provide a bank he has no relationship with intimate details of his finances.If this is my experience beware because anyone who is going through a rough period and receiving financial support from a third party risks being treated in the same manner, being put in the same position and having a rough time made even rougher by the unexpected and unreasonable demands of this bank who now plans to drop me leaving a stain on my credit history and potentially flagging me because I can not provide them with information that is not available to me from a third party.
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| 09/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I applied for a Citi Double Cashback Credit Card in XX/XX/2020. Did a balance transfer for {$2600.00} from my XXXX Cashback Credit Card. The balance is subject to a promotional rate at 0 % interest for 18 months. The balance was subject to a 3 % balance transfer fee. The total of the balance transfer fee was {$78.00}.
I paid the balance transfer fee which kept my balance at {$2600.00} for my first statement, XX/XX/2020 statement.
Since then I have had issues with interest being charged and incorrect statements.
The second statement, for XX/XX/2020, I submitted a payment for each purchase, while the purchase was pending. The total of my purchases was {$140.00}. I paid that plus an additional {$320.00}. Here, my payments were not correctly credited, and after speaking to a representative, she stated that it was due to paying early, so the system did not recognize my XXXX payment as being intended for the balance transfer, and apparently the {$35.00} minimum payment was taken from that as well. Thus, the representative stated to pay an additional {$40.00} and she would credit me {$20.00}. I then received a {$20.00} to resolve the issue.
In the third statement, for XX/XX/2020, I received XXXX cents in interest. My total charges on my purchases were {$180.00}. I made an additional {$150.00} payment to bring my balance transfer balance to {$2100.00} from the previous $ XXXX statement incorrectly stated that {$42.00} in purchases were subject to interest. I talked to an account manager and after going through my purchases, confirmed that I should not have been charged interest and credited the XXXX cents. I was informed that this would not occur again. I was also informed that in the future, the payment goes to the minimum payment first ( {$35.00} ), then the highest interest rate ( purchases at 16.99 % ), then the lowest interest rate ( balance transfer at 0 % ). Thus, I should wait until purchases post, pay an additional {$35.00} dollars on top of my purchases, then make my additional payment to the balance transfer after those payments post.
I followed the managers advice. For my XXXX through XXXX purchases, I made a total of {$1400.00} in purchases. I received {$6.00} in credit for a return, XXXX cents in credit for a return, and the XXXX cents for the interest credit. Thus, XXXX plus {$35.00} equaled XXXX, minus the previously mentioned credits and my payment came to {$1400.00}. Then I made an additional payment on XX/XX/2020. Because I made an additional {$35.00} payment to go towards the minimum, I subtracted XXXX from XXXX and got {$110.00}, which I paid on this date. This brought my balance transfer amount to XXXX. I called Citi and spoke to a representative that assured me everything was paid correctly and there was no interest while rushing me off the phone.
Today, XX/XX/2020, I received my XXXX statement showing that I was charged {$4.00} in interest on XXXX in purchases.
I called CitiBank credit card line around XXXX XXXX EST. From there, I spoke with several representatives, was hung up by one, and ended a call with a final one at XXXX pm EST. Each representative had a different explanation. One stated I owed XXXX in purchases, another stated I had a balance of {$78.00}, another stated I had a balance of {$200.00}, to another stated that its only {$4.00} and that I shouldnt be so upset about that amount as its not a big deal.
The final representative credited me the {$4.00} in interest but explained that despite being told by other representatives and my knowledge of how a credit card works, Citi does things differently.
The representative stated that even though my balance transfer is subject to a 0 % interest rate, and I pay off my purchases in full before the statement closing date, I will still be subject to interest because the balance transfer and my total purchases are added together. As a result, I will have a statement balance that includes both the paid purchases and balance transfer amount. Thus, he said I should not use the card for purchases, because I will always be charged interest, despite the charges being paid off, because I used the credit card. He stated if I only paid down the balance transfer amount, then I would not be subject to interest.
The representatives statement makes zero sense, and after asking him why no other representative explained this, he stated that hes telling me now for the future. I asked him to notate the account of our conversation. I am writing to : ( 1 ) Have my XXXX statement corrected from the XXXX amount to XXXX that is should reflect, ( 2 ) Have my credit report updated to reflect the XXXX statement amount, ( 3 ) Have the {$7.00} in purchases for cashback properly calculated in my cashback total.
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| 12/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I sent a security deposit to Citi to obtain a secured credit card, because I want to purchase a home next year and desperately needed to fix my credit. I sent {$200.00} and received my card. I was using it regularly, paid my first bill early and even paid roughly twice the minimum payment due. Well sometime before the second bill became due, I had a falling out with my roommate and had to move. During the move, I lost my wallet. I called Citi to explain my situation ( and got routed to the RUDEST, NASTIEST CSR I have ever had the misfortune of speaking to, mind you ) and explained that during the move, I had lost my wallet, I think one of the people who helped me move my stuff took it, because there was a charge I didn't recognize on the card. But I really wasn't sure and really didn't know them anyway. But I said I needed another card and also due to me having to move to the other end of town, I also had to change jobs, it would be a few weeks before I got a paycheck and so my next payment would be late. Again she was very rude, but ultimately told me that would be fine. Well a couple of weeks went by, and I received my new card and when I got my second paycheck ( my first was only for two days ) I go to log in to make my payment, and it said my username and password were invalid. I tried resetting my password. It said my email address didn't match any records! I called customer support to find out what was going on and was told it was a website issue. Called technical department and was told it was an account issue. So obviously I think my account had been closed!! No explanation, not a letter, not a call, nothing! Now keep in mind that the whole reason I got a secured card was to try to raise my credit score to buy a home, so this was a big deal, I assure you I reached out to them to let them know what was going on. Yet they closed it anyway, with ZERO notice or warning, and now, my score is even DOWN 20 points! And because of that, I was recently TURNED DOWN for a SECURED card with a different card issuer!!! Like, seriously??? Not only was it ONLY my FIRST time missing a payment, but A ) It was only my second payment due, B ) I I had paid my first payment early AND double what was due, and C ) I had CALLED AND EXPLAINED why I missed my payment and was told it was OKAY! I'm very sorry for the caps but I am LIVID! So now because I chose Citi instead of the 100 other secured cards I COULD have got, instead of improving my credit score like it was supposed to, it has actually made it WORSE, AND it is preventing me from getting a card with other institutions so I probably won't be able to buy a home at all!
But now here 's the real kicker. I just found out from them when I called to discuss making an arrangement to get it off my credit file, that my account did not get closed until OVER A MONTH LATER!!! The site wouldn't let me log I because I had not activated the replacement card I had just got!!! BUT the letter that came with the card said LOG IN TO ACTIVATE!!!!!!!! Wow! Seriously??? This was a big deal, I tried for DAYS to make that payment!!! I CRIED because I knew how bad having that on my credit report would set me back!
These thieving, deceiptful frauds should not be allowed to have influence over anyone 's financial situation. To them it's no big deal, I was just another number/sucker but to ME, it is a HUGE deal because it put me in a HORRIBLE situation. I don't understand how it's even legal? Someone with a better score than me could drag a missed payment out for months, and STILL get all kinds of account credits and miles and rewards, but me, someone who LITERALLY paid them in advance, lol, MY account gets closed?? After ONE late payment?? AND even then it's because their website wouldn't LET me log in to pay, and their customer care reps played blame tag?!? No, that isn't right. Please help me. I wanted WHOLEHEARTEDLY to be a good customer and to build my credit, and I don't deserve this.
Oh, AND because I had signed up for online statements, and my LOGIN INFO DOESNT WORK, I can't even login to see my transactions, history, NOTHING! And now that I'm filing this complaint, I see exactly why they do that : because I can't SHOW anybody what they did to me! This is INSANE. I feel like I'm in the twilight zone.
Also, on an even deeper personal level, I was raised by my great grandmother ( rest her soul ) and she was a LOYAL Citi customer for as long as I can remember, until the day she died, and so for deeply personal sentimental reasons, I was SO happy to be a Citi customer, and I had such high hopes that they would still be ( one of ) my financial institutions well into retirement. Seriously. Like, this has hit me hard on so many levels. Anyway. That's all.
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| 05/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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The credit card company, Citi Costco, deducted payment for my XXXX bill twice from my account.
The cause of this double deduction is unclear, but I think what happened ( based on my browser history ) is that I set up a payment on XX/XX/XXXX, to be deducted XX/XX/XXXX.
I rechecked the payment status page on XX/XX/XXXX and didn't see a pending payment, so set up the payment again. ( At that point, I thought I must have just forgotten to set it up. ) On XX/XX/XXXX, I realized that Citi Costco had attempted to deduct payment twice. The first attempt, on XX/XX/2023 for {$3200.00}, was successful. The second attempt, also XX/XX/2023 but for {$3300.00}, was unsuccessful because I did not have enough in my account to cover an additional {$3300.00}. As a result, Citi charged me a {$30.00} return check fee and my bank charged me a {$35.00} insufficient funds fee. My bank account should a negative balance of about {$3000.00}.
XX/XX/2023, Call 1, XXXX : I immediately called Citi to alert them of the error and ask them to retract or cancel the charge. Based on my conversation with the supervisor I spoke to, I had the impression that speaking to my bank would allow them to cancel the second deduction.
XX/XX/2023, Call 2, XXXX : I called Citi , and with a supervisor we called my bank XXXX XXXX XXXX ( XXXX XXXX XXXX ). As it emerged over the conversation, Citi wanted XXXX XXXX XXXX to confirm that the 2nd deduction had cleared -- although I told them in the initial call that it would NOT clear because I didn't expect to have a second {$3300.00} charge that month. The Citi representative told me that there was nothing they could do to reverse or cancel the charge because it's an automated process and I would have to wait until XX/XX/XXXX for the third failed attempt to withdraw the payment. ( In the meantime, my balance would remain negative and my bank would charge me an insufficient funds charge for each attempt [ {$100.00} ] ).
I was frustrated with this failure of solution. I eventually spoke to a second level supervisor who told me that though he couldn't do anything to address the central problem he would ensure that I was credited the {$30.00} return check fee, which would appear on my XXXX statement.
In an effort to resolve the situation more quickly, I managed to transfer cash to cover the charge from my business account ( basically using my business 's tax reserve ).
XX/XX/2023 : Citi made a 2nd attempt to withdraw the funds and was successful.
XX/XX/2023, Call 3, XXXX : I called Citi to confirm that they had received payment and would be able to begin the process of reversing the charge. I was told they weren't able to confirm that they received payment because my bank isn't open on the weekend.
XX/XX/2023 : Call 4, XXXX : I called Citi and we conferenced in my bank, which confirmed that the second payment had cleared. When I asked the Citi representative when I could expect the refund to my account, they told me that it should appear in the next day or so.
XX/XX/2023, Call 5, XXXX : I called Citi to follow up about refund since it had not yet arrived in my account. I was told that I would be receiving the refund for at least another few business days because the transaction had to be reviewed. The person I spoke to also told me that the person I talked to on XX/XX/2023 should have explained the process and timeline ( review, no return for 5-10 business days ) and the fact that they had not made this information available was a failure of required disclosure.
Because I thought I would have my refund in hand by ( at latest ) XX/XX/2023, I did not plan to have sufficient funds in my account for my mortgage and car payment to clear on Monday, XX/XX/XXXX. I had to pay for an expedited transfer ( which may or may not have arrived on time ).
While the individuals with whom I have spoken at Citi have been polite and are in no way responsible for the company policies, the entire process had been extremely frustrating and caused significant financial difficulty : I have accrued {$100.00} in fees for non-payment ( bank and credit card ), have had to move funds between my business and personal accounts in ways that are NOT good accounting practice, scrambled to find funds to pay my mortgage because I was waiting for a refund of more than {$3000.00}, and ( potentially ) negatively impacted my credit score. They have insisted that they are unable to do anything to rectify their mistake because its part of an automated system, which seems ( if true ) an incredibly bad design flaw.
As of today ( XX/XX/2023 ), my credit card account still reflects the two payments, and I have not been refunded the cash I paid in an attempt to resolve this situation sooner.
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| 04/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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We apparently had set up {$150.00} minimum payment for our Citibank credit card that was always supposed come out our bank account to pay any credit card balance and had done so some eight or so years earlier. In XXXX of 2017 for the first time since that minimum payment was initiated on the card, our Citibank monthly bill went to somewhere just over {$150.00} per month after we took a 0 % interest offer for an account transfer amount of {$15000.00}, which resulted in a new monthly amount due of {$230.00}, but Citibank apparently could not withdraw any more than the minimum amount and instead charged us late fees for almost eight months, then closed our account.
Each month the {$150.00} payment automatically came out of our account, as had been done for the previous seven years, so we did not notice the shortfall. They did send emails entitled Account Alert - Explore Your Options, starting XXXX, but all of the emails before that month simply informed us to expect the normal {$150.00} min., despite the fact that the actual bill said we owed {$230.00}, as we later found out. I was not paying attention to the old email account associated with the card, so when they did initiate a warning email, I did not notice it. However, they continued to send me emails notifying me of the pending {$150.00} payment.
When I finally did realize we were falling short each month in XXXX of 2017, I called Citibank and they would not budge on their position on the delinquencies, saying it had been over 90 days since first notifying us and also insisting that the account payment limit was on my banks end and not theirs. We promptly paid all the underpayments and late fees and asked Citibank to please withdraw whatever the monthly minimum going forward out.Citibank also withdrew an equivalent amount as we just paid them for the past due and late fees, despite are not asking them to this or informing us they would take the action, and instead of a 0 % interest rate on the $ 15k transfer amount, we were charged a penalty interest rate. They also finally started sending emails in XXXX stating that the actual amount owed would be deducted, instead of {$150.00}. And, of course, they sent a report to all of the credit bureaus informing them we had not made payments for eight months.
Oddly, they did not send us emails every month. Some months it was an alert emails, other months, it was just an email reminding us of the pending {$150.00} payment automatic deduction. And, also oddly, they assessed the {$37.00} late fee about every other month, even though it appears we were not paying in full for every month through XXXX.
Several more inquiries with Citibank over the past three years to find out why and how this had occurred have not had any results. Recently, I decided to contact our bank and find out when we had put the {$150.00} limit Citibank said our bank would pay, and our bank said we have never had a minimum payment on any account and the Citibank payment authorization had no limit - the auto pay with Citibank was an ACH agreement, as it had been for the previous 27 years with Citibank, and Citibank was authorized to withdraw whatever amount they wanted. Armed with this knowledge, Ive been able to get past the Citibank account reps and talk for the first time to a manager and then a supervisor, and, supposedly, they have finally opened an inquiry into the matter, with the supervisor saying somethings not right with this, but giving no more. This was last week and they say it can take several years to determine what " happened '' and that it would never result in any corrections to my credit bureau record because it has been over 90 days since the first late payment incident.
While we don't remember setting up the {$150.00} minimum payment with Citibank, it is something we have done with other accounts. We do this in order to pay off the account more quickly than would be done with just paying the minimum the creditor would bill monthly, but we never where informed that, to Citibank, this meant they were not authorized to withdraw any more than {$150.00} ( which they have denied, consistently insisting it must be on our banks end ). But all of the evidence points to the withdraw amount of only {$150.00} being entirely within Citibank 's control.
Unfortunately, we are apparently powerless to do anything to get Citibank to acknowledge that maybe they made a mistake or, if they do eventually concede some responsibility, correct our credit reports. Is there anything that the CFPB can do for us? Before this incident, I had a spotless credit record, but have since that time paid for a credit monitoring service to help insure that something like this does not go without our notice in the future.
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| 09/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I made payment of {$1300.00} to Citi Costco by the phone on XX/XX/XXXX. The agent processed my request and when the call was completed, I waited for payment confirmation email. I didn't see it right away but thinking the email must be delayed and got back to work. The next day I still haven't received payment confirmation email and so I checked my bank. The money was taken from my bank so checked balance on my Citi card and learned the balance didn't reflect the payment. I began calling Citi and requested the payment investigation. The agent told me that they had no record of my call to Citi on XX/XX/XXXX at all, never mind the payment.
A couple days later, I requested my bank for the transaction copy and realizing my circumstance, the bank personnel faxed the record from my bank to Citi. Since then, I provided my bank statement, bank transaction record, my account number, phone #, and everything they have asked for and seeing credit on XXXX statement, I thought matter resolved.
Now, almost 3 months later I am told money can not be located and the case is closed. On XX/XX/XXXX, I contacted Citi and was told to mail, fax, and email my documents to prove that I paid. I mailed and emailed but did not fax. The very next day, I received a letter from Citi stating, money can't be located but conditional credit was applied and I have until XX/XX/XXXX to provide the needed documents. Now, I am still calling Citi to resolve.
On XX/XX/XXXX, I called Citi to talk to someone in Payment Investigation Department but was told no, and I had to start explaining the situation again. I was told by a rep that they show no record of receiving any email from me. I explained regular mail and email was sent. She said to fax info. After my insistence she said she found the email that I sent and that she would ask someone to help with it. The email I sent on XX/XX/XXXX had a cover page, including acct #, my name, phone #, and credit card # followed by on 4 more pages with my bank statements and bank transaction/transmittal record ( I even copied the minuscule printout with a marker for better reading ). I was then told to call back a couple days later to check on the progress.
On XX/XX/XXXX, I was told the case was closed as of XX/XX/XXXX at the end of the day due to lack of required documents. I explained situation again and had to point out the details of bank transmittal record. I was then told that the bank transmittal did not have my bank account to prove that it was my account the money came out of. I again had to point out the bank statement and the matching account number on the transmittal sheet. I was asked to hang up and wait until the rep calls me back. 35 minutes later I received the call and the person helping me said that she had to point out the account information on the sheet for the payment investigation personnel and that she was going to follow up on it and would give me a call back in 4-5 days.
My complaint is, 1. the whole ordeal started because a Citi employee made an error, 2. the payment investigation showed me incompetence in performing their job, 3. the discrepancy with information provided to me, 4. diminishing trust in Citi with handling my payment properly, 5. I have yet to hear from any person about the missing payment and/or status, 6. Citi obviously does not hire a dependable reps who can use common sense to take care of its customer 's issues, 7. while I was told by Citi that I never called in on XX/XX/XXXX, I received a survey request email on XX/XX/XXXX about the service I received on XX/XX/XXXX and when I mentioned this, Nobody, I mean Nobody was able to explain.
The whole time I am calling Citi, only the last person took extra steps to help me in resolving the problem. Still, I was told that she was not with Payment Investigation Department and the fact that she had to point out where to look for on the bank transmittal paper to reps in Payment Investigation department is truly mind boggling!!
Even though the case is still open, I feel this should've been resolved two months ago since I have provided all the necessary document to prove the money came from my bank, my account and not this other person Citi gave credit to - Oh, Yes, I can clearly see from the bank transmittal record to whom the money Citi applied including what could possibly be the Citi account number of the person. If I can see clearly where the money went and why couldn't Citi.
Bottom line is, I made a payment of {$1300.00} to Citi through a Citi 's representative, Citi misapplied money, can't find it, neglected information I provided, closed the investigation, and now I feel threatened. PLEASE HELP! I can not stop doing everything to be on the phone for hours each time!!!!
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| 01/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My Citibank XXXX credit card information was stored without my permission by the XXXX, TX merchant, XXXXXXXX XXXX XXXX XXXX, after it was called to service a water leak on XX/XX/18 at my house I rent in XXXX XXXX, TX. The leak was not fixed and water continued to leak the next day. The plumbing merchant was called back to honor its 30 day warranty on its plumbing work. Two days later on XX/XX/18, the plumbing merchant showed up and began to push for a flat rate contract for water remediation and water repair work totaling more than {$4000.00} minus a discount he said he was giving me. XXXXXXXX XXXX XXXX XXXX without my approval or authorization charged my credit card {$1700.00} on the evening of XX/XX/18 and then set up reoccurring charges of {$600.00} by FORGERY of an E Signature contract that was never signed or agreed by me because I did not agree to the terms and more importantly, I insisted to the plumbing merchant that I had called him to repair a water leak and not to perform water remediation and water repair work and that I needed to contact my home insurance company about the water damage that was actually perpetrated by the plumbing merchant when it did not repair the water leak when he was first called to fix the water leak on XX/XX/18. The plumbing merchant never fixed the leak and I had to call on XXXX XXXX to repair the water leak. ( Please, see documents attached ) A POLICE report ( see attached ) has been filed with the XXXX Sheriff Office for FORGERY against this plumbing company. This plumber can not provide an AUDIT LOG of E signature of his proposed water remediation and water repair work because I never signed his contract that would have its customers agree to satisfactory completion of work that was never performed by the merchant plumber.
I would think Citibank XXXX would take fraud and forgery more seriously. The work proposed by the plumbing merchant was just an estimate but not performed because I refused to sign XXXXXXXX XXXX XXXX XXXX contract that states I am " satisfied with the work as described above '' when it had not even been started! No person in their right mind would sign a contract like that.
I am providing proof of work performed by another company that was referred to me by my home insurance company ( please, see attached document ) This plumbing company stored my personal credit card details when I made payment to the owner of the company, XXXX XXXX, for {$450.00} for the service call on XX/XX/18 enabling him to make the subsequent fraudulent charges of {$1700.00} and {$600.00}. I took action immediately on XX/XX/18 by telling the merchant plumber via text to cancel the unauthorized charge of {$1700.00}, but it did not respond to me, and right after called Citibank, within minutes of the charge having posted because I monitor and receive immediate notifications about activity on my account, to inform the Citibank customer service about the {$1700.00} charge that I had not approved and to cancel the credit card. Citibank mailed me another XXXX Credit Card that when I activated was then again charged by XXXXXXXX XXXX XXXX for {$600.00} on XX/XX/18 after two hours of activating the new credit card Citibank sent me. That new card was also cancelled and Citibank sent me another credit card that I have decided to keep deactivated.
Citibank is honoring the merchant plumber 's bank statement that the charges are valid.
The merchant plumber 's bank states ( please, see attachment ) that a fee of {$140.00} for breaking/breaching contract is valid when there is no existing contract between the merchant plumber and me. Citibank is supporting that statement! Outrageous! Unconscionable! How can they support a contract that is not enforceable and more than that agree to a breaking of contract fee! Citibank is clearly leaving themselves wide open for a cause of action law suit. Please, help me to bring this to the public and to stop Citibank from treating a more than 30 year XXXX member ( since when XXXX was XXXX XXXX ) so unjustly. I do need to inform you that this merchant plumber has robbed at least 7 other of his " customer '' victims of check deposits for work he promises to do but instead vanishes and never realizes the work. This merchant plumber has done the same to at least two other people since he fraudulently charged my Citibank XXXX Credit Card. And, lastly, I was informed that the owner of this plumbing company, XXXX XXXX, has been accused, charged and convicted of the crimes of robbery, public intoxication and assault with a deadly weapon. He currently has a warrant for his arrest, according to the XXXX County Sheriff. And, to think that Citibank is siding with this character instead of a more than 30 year XXXX member ...
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| 11/09/2023 |
Yes |
- Credit card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I have made numerous telephone calls to XXXX XXXX Customer Service since XX/XX/XXXX. It all started when I received a text alert for a {$20.00} reward for a purchase I did not make. It was on XX/XX/XXXX at XXXX. I have not used my XXXX 's XXXX since XXXX of XXXX ( promotional purchase ). Nothing shows on my account online. I called the card company. I was told by the representative that my account is secured, " there are no new charges ''. My card is locked. I asked for the reason. I was advised to call the next day when the offices are open. I did just that. I was transferred to the department that supposed deal with credit card issues. The first person I spoke with was a man who kept putting me on hold because he was on another line with a customer. Questionable. When he finally talked to me he did not listen. I voiced my concern about the rewards notice I received for a purchase I did not make. Next thing I know, I was on hold again and another person picked up my call. I was transferred me to the Rewards Department. I had to reexplain my situation. I was transferred to another department that verifies information. I explained my concern to the lady on the other line. I was assured my account is secured. " No fraudulent charges ''. I was asked to verify my information then I was told that my card is no longer locked. I could start using it. I asked why it was locked and for her to make sure there is no fraudulent charge. I was again assured, " no fraudulent charges '', and that the verification is a routine check. Several hours later, I received another text, this time for {$10.00} rewards for purchases. I looked at my account online. There was one charge for almost {$400.00}. I disputed that amount online and called again the next day. By that time, two more charges have gone through. Total fraudulent charge was {$1000.00}. I emailed and called numerous times for the next 4-5 weeks. I tried to prevent fraudulent charges from going through to my account. NO ONE at XXXX XXXX LISTENED. I even went to the store in XXXX, CA and spoke to a XXXX to find out how anyone could use my account when my son and I have our physical cards. And, to get those fraudulent charges cleared. In speaking with that XXXX, I realized one thing. My original card ( XXXX XXXX had sent me XXXX other new cards ) was about to expire when the purchases were made. I called the XXXX XXXX Department again on XX/XX/XXXX. I spoke with a lady. I asked and she verified. Replacement cards were sent to me on XX/XX/XXXX only I never got them. Wherever they were delivered to, the people who got them used my card for a shopping spree at the XXXX 's store in XXXX, CA. I solved my own fraud case.
Then the issue of having XXXX XXXX 's accounts online became an issue because of the XXXX new cards sent to me as replacements. Each one was a replacement for the other. Each account had varying amounts owed in them. I had to call XXXX 's for that a few times to get things straightened.
Finally, the issue with my payments. I continued to pay my XXXX 's account for the valid purchase I made in XX/XX/XXXX while their people did their investing for the fraudulent charges. The XXXX statement shows an adjustment for {$200.00} deducted from my balance of {$1000.00}. New balance calculated is {$1000.00}. I didn't realize that mistake on their side until XXXX or XXXX of this year. I have had to make numerous calls again to get my payment of {$100.00} in XXXX or XXXX credited to my promotional purchase and not to the fraudulent charges. Each person I speak with tells me the adjustment has been completed. Each time I had to explain why I disagree. Then, when they realize my point valid, each time I was asked, again, to wait for the adjustment to go through. Sometimes, I am told to wait a few days, a week, a month then XXXX statement cycles. I have spoken to so many XXXX XXXX representatives and to XXXX supervisors. The first one was nice and helpful. The second supervisor, XXXX on XX/XX/XXXX was not helpful at all. She was also very dismissive especially after I told her I spoke with another supervisor days ago. Latest calls were in XXXX on XXXX and XX/XX/XXXX. Both times I was assured of the adjustment going through and asked to wait days. The last call I made in late XXXX, I asked for a supervisor. He said he requested a rush adjustment to finally get my problem resolved. He told me to wait until the next closing cycle for XXXX. I should see the correct balance on my account in XXXX. It is still wrong. The year is almost over and XXXX 's still has not credited XXXX of my payments correctly. I have wanted to pay off my balance but couldn't until this issue is resolved. XXXX 's still owe me {$100.00} of credited payment.
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| 03/15/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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I am having a HUGE issue with Citibank, and closing my account there.
I walked into the XXXX, Ca Citibank branch on XX/XX/XXXX, at XXXX, to buy 2 cashiers checks and close my account there. I withdrew all funds and the rep at the branch assured me that my account was closed.
I received a notice on XXXX that this account was overdrawn, which I assumed was incorrect, as this account was closed. Upon calling the toll-free Citibank center on XXXX, I was assured that the pending auto debit that had overdrawn me would be returned, and that Citibank would refund the {$34.00} overdraft fee that they charged me. They also informed me that I had 2 pending credits coming into an account, one a XXXX transfer for {$90.00}, and another, a refund for a return of merchandise. They told me that once the {$34.00} was refunded, and the pending item was returned, I would have a positive balance of {$100.00}. They instructed me to wire these funds out of my account in order for them to close it. I transferred this remaining balance via XXXX on XXXX.
On XX/XX/XXXX, I yet again receive another notice from Citibank, telling me I am overdrawn again. I immediately call and ask why my account wasnt closed, when I had been told twice now that it was. They state that it was never requested to be closed. I again, was assured that it would be closed that day.
Monday, XX/XX/XXXX, I call Citibank again. My account is STILL open and I now have accumulated {$100.00} in bank fees. When asked why my account isnt closed, they tell me because I have a negative balance. I informed them that those fees in no way should have been charged, as I closed my account 10 days ago! If they were to reverse those fees, I would actually have a positive balance of {$40.00} in my account. The rep ( 2of which I spoke with ), was extremely snide, and informed me that until I deposit {$60.00} to bring my account into a positive balance, they will not close my account! This same rep, at one point snickered at me when I tried to explain my frustrations. It literally turned into an argument, me explaining myself, and them interrupting me each time I tried.
Here is where I do not understand. If you close a bank account, isnt it my say of when that happens? Clearly if I withdraw all funds, and there is no money in the account, no charges will go through. Is Citibank really entitled to decide when THEY want to close my account, regardless of my request? This is my money, and if I ask for my account to be closed, I expect it to be closed that day.
I had been a customer with Citibank for over 7 years. My reason for closing my account is that in the last several months, daily transactions became a problem, as they tried to secure their bank. I could not use my card for large transactions without it getting frozen. I could not transfer money from my account, unless I waited on hold with them for 30-45 minutes to get an authorization code. I became frustrated that my money was not available when I needed it due to these reasons.
Never once did I acknowledge, or sign anything with Citibank, stating that they would decide when I close my account. Clearly this should be at my discretion. In this day and age, people have so many auto debits, that these clearly should not have been allowed to hit my account after I closed it. I did my very best to cancel any auto payments that I knew were hooked to this card, however, this is my problem, not Citibanks to decide. Clearly upon changing banks, I would come to learn what I needed to pay and set up for auto pay within my new account, which should be of no concern to Citibank.
As of today, my account with Citibank remains open ( 13 days later, after my 1st request to close it ). The current balance is - {$68.00} ( overdrawn ). I refuse to pay this, as I requested 4 times total for this account to be closed, once in person, when the account stood at a XXXX balance, twice when there was a positive balance of {$6.00} in there, and now, the forth time, after they have assessed me {$100.00} in fees, and want me to pay them {$68.00} to close my account. I believe that they owe me a refund f the {$100.00} they charged me, and I can the take my remaining balance, and have this account closed.
This is all just insane. I am a professional female in my 40s. I make well over seven figures a year, I had direct deposit with Citibank, and had been their customer for 7+ years. Clearly {$68.00} is not a huge deal to me, however, it is the principle. Upon speaking with peers, I am not the only person this has happened to. It seems to me that this is an issue. A financial institution should not be able to dictate what I do with my money and when. If I close an account, that account should be closed.
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| 05/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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In XX/XX/2020, I opened a Citi XXXX Preferred Credit Card with Citi.
On XX/XX/2020 I requested a balance transfer to pay an existing balance of {$2700.00} on my XXXX XXXX XXXX XXXX Credit Card.
On XX/XX/2020, the balance transfer amount of {$2700.00} posted on the Citi bank account, but the payment for the balance on the XXXX XXXX credit card account had not been received by XXXX. My credit card statements confirmed XXXX had not received payment.
On XX/XX/2020, the balance transfer fee of {$130.00} posted on my Citi account. At this point, XXXX still had not received payment from Citi, once again my credit card statements confirmed that XXXX had not received payment.
On XX/XX/2020, I opened an investigation because XXXX still had not received the {$2700.00} payment for the balance transfer. I asked for the check to be investigated by Citi, since XXXX had no records of having received the check that Citi claimed to have sent to XXXX.
On XX/XX/2020 Citi sent me a letter with regards to the inquiry into the check sent to XXXX. The check number is XXXX. Citi sent me a copy of the check and asked me to contact XXXX XXXX for additional questions. Citi claimed that the copy of the check is proof of payment.
On XX/XX/XXXX, I called XXXX again to have them research the check # XXXX and they did not find any evidence in their system that the check sent from Citi was negotiated with XXXX.
Upon investigating the details of the check copy, I found that the check had an electronic endorsement from XXXX XXXX XXXX. I called Citi bank back to ask further questions about the details of the check and the electronic endorsement from XXXX XXXX XXXX. After speaking to several account specialists, and a manager, Citi could not tell me why XXXX XXXX XXXX had endorsed the check. They urged me to contact XXXX about the whereabouts of the check and would not provide any further assistance.
On XX/XX/XXXX, I went to a XXXX XXXX XXXX branch in XXXX, CA on XXXX XXXX and spoke to a regional manager named XXXX. She was able to locate internal records within XXXX XXXX XXXX that proved XXXX had received the funds from Citi on XX/XX/2020, but since XXXX XXXX XXXX did not know which account to deposit the payment, they claimed to have returned the funds to Citi on XX/XX/2020. ( Once again, XXXX holds my XXXX XXXX credit card, not XXXX XXXX XXXX. ) Still on XX/XX/2020, I then went to a Citi branch in XXXX, CA on XXXX XXXX and asked for help. With documents in hand showing that Citi sent the balance transfer amount to XXXX XXXX XXXX, instead of XXXX XXXX, branch members communicated with Citi customer service representative on my behalf but were told that nothing could be done because Citi records showed that the check had been deposited and were not willing to accept the confirmation that XXXX had provided me with that showed Citi wrongfully sent the check to XXXX XXXX XXXX. I returned to the same XXXX XXXX XXXX branch where XXXX and XXXX XXXX helped me open a commit case to investigate the location of the funds.
On XX/XX/2020 I received a letter from XXXX XXXX XXXX that asked me to contact Citi directly.
I called Citi on XX/XX/2020 and asked to speak with an account specialist who could escalate my concern. I explained that I still owed the balance to Citi for the balance transfer plus the balance transfer fee, but XXXX still had not received any form of payment from Citi to credit the XXXX Credit Card balance. I notified him that Citi had wrongfully sent the funds to XXXX XXXX XXXX instead of XXXX XXXX. I spoke to an account specialist who ensured me that Citi had found records indicating that they did in fact send the check/funds to the wrong bank. He notified me that my Citi account would be credited for the balance transfer amount, as well as credited for the balance transfer fee. Citi would investigate, and I would receive credits on my account.
On XX/XX/2020 Citi sent a letter which I received on XX/XX/2020. The letter from Citi stated that Citibank did not initiate anything with XXXX XXXX XXXX on my behalf. The letter stated that I needed to contact XXXX XXXX to ensure my payment was listed for {$2700.00} from Citi. I called Citi again to ask when I would see the credits post on my account. The account specialists claimed that no formal investigation had been opened and the investigation would need to be opened again on the whereabouts of the funds. I asked for Citi to cancel the balance transfer and retract the funds and I do not want to try to resend the check for the balance transfer to XXXX XXXX anymore. They have not honored my request to cancel the balance transfer, retract the balance transfer funds, or credit the outstanding balances on my account.
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| 01/22/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am filing this complaint with the Consumer Financial Protection Bureau in response to the update I received from Citi about the status of my dispute. Citi concluded they were unable to assist me because of the amount of time that has passed since the date of the charge. They also suggested in their response that if I wanted to pursue the matter ; to seek alternate means to obtain the credit for my account. This is why I am filing this complaint with the CFPB.
I started this dispute early summer of XXXX. The case ID : XXXX Documents supporting my dispute were uploaded and should be found under this case ID. Since the amount of time is the issue with Citi, I will summarize the timeline of this transaction from the date of the charge until now.
On XX/XX/XXXX I made a purchase of a vehicle from the merchant, XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX was a licensed auto broker obtaining vehicles from other dealers for their clients. I used this merchant to find the vehicle I wanted and to do all the paperwork. The purchase price of the vehicle was {$58000.00}. I used three separate credit cards plus some cash to complete this transaction. {$17000.00} was charged to my XXXX XXXX, {$12000.00} was charged to my Citi Costco Visa Card and {$26000.00} was charged to my Citi Driver 's Edge Mastercard. The transaction appeared to be fine. XXXX months later on XX/XX/XXXX the XXXX XXXX Sheriff showed up at my house to recover the vehicle I thought I had purchased from XXXX XXXX. They explained to me that the vehicle I purchased from XXXX XXXX was reported stolen by the dealer XXXX XXXX used to obtain the vehicle. They also explained to me that under California law that the vehicle was never mine and had to be returned to the original title holder. It then took a few weeks to figure out what my options were and sometime in late XXXX or early XXXX I started the process of disputing the credit card transactions as fraud. So for each of the three credit cards used, I found out the process of doing this and then disputed the transactions as a fraudulent transaction. I explained the situation and uploaded documents supporting my dispute. Each credit card received my documents and started their investigation. Unfortunately for me I disputed this charge as a fraudulent charge and each credit card came back and rejected my claim as fraud stating this was not fraud since I willingly made this transaction. I was told I could dispute this transaction as a billing dispute since I did not receive the merchandise as promised. So I started the process all over again, this time as a billing dispute. So now it's late summer XXXX and close to XXXX year since the original transaction. I was on the phone numerous times with associates from the dispute departments on how best to proceed and if the information that I submitted as a fraud dispute could be used or transferred to the billing dispute dept.. One associate from Citi assured me that all the documents I submitted to the fraud dept would be transferred to the billing dispute dept.. This conversation referred to the Citi Driver 's Edge Card. At about that time I was receiving updates from the Citi Costco Card about their investigation. Finally on XX/XX/XXXX I received a letter from Citi Costco Card that the dispute has been resolved in my favor and the {$12000.00} credit would now be permanent. The Citi Costco Card dispute ID was : XXXX.
I am still waiting for a response from the Citi Driver 's Edge Card. After waiting several months for a response I call them and was informed that the case was never transferred over from the fraud dept to the billing dept as promised. The Citi associate suggested I make hard copies of documents and statements and mail them directly to the Citi billing dispute dept. It is now XX/XX/XXXX and I make the copies and mail them off. Then in early XX/XX/XXXX I receive a letter from Citi stating too much time has passed from the date of the transaction for Citi to assist me and therefore the investigation is closed.
I know this is a lot of money and a lot of time has passed. I'm hoping you will see and understand that the timeline in question was out of my control. It was XXXX months before I was informed the merchandise promised by the merchant ended up as being stolen by the merchant. It took several weeks to start the dispute process and much time was lost due to the dispute originally filed as a fraud dispute and not a billing dispute.
I hope this explains the timeline of this dispute and you will take that into consideration. I also hope you would look at the results of the Citi Costco Card investigation and take that into consideration. It was the exact same transaction.
Thank you for your time.
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| 11/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
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On XX/XX/2022, I opened a Business Checking Account at Citibank. As I did not know this process will become a living XXXX. When the account was opened, XXXX XXXX ( Personal Banker at the branch ) told me I should receive my card in 5-7 business days. After 7 business days, I received my debit card, but was not able to login into my online account. I called customer services and they told me I wont be able to login until a passcode comes in from the mail which XXXX XXXX didn't mention to me. A few days later, I received my passcode to login online, but that wasn't the end of it. Every time I wanted to login on my phone or computer, I would have to call Citibank customer service which would transfer me to an automated voice recorder that would give me a passcode to enter. The customer service representative told me there is no other way to receive it unless I call them ... EVERY ... .SINGLE ... TIME .... After all that mess was resolved, I processed my sales from XXXX and was receivedinto my accountof {$15000.00} in a couple days later.
The same day the money was deposited, the account was on hold due to 1 chargeback. They told me It is currently on review and I should receive an update in a week. In a week, I called customer service and they told me they have decided to close my account in 60 days and I will receive my funds in 10 business days after the account has been closed... In Mid XXXX of XXXX I received a letter stating {$10000.00} vanished from my account with no trace on where it went... I called for an update and the customer service rep said the same exact thing as last time. " I will receive my funds in 10 business days. '' EVERY 10 DAYS, same response received. After 60 days, I received the same response. I informed them it's already been 60 days since you guys said you would close the account and also it's been 10 days since I was informed I would receive it and I have not received ANY UPDATES, NO FUNDS, NOTHING, BUT LIES. The representative I would speak to would put me on hold for a while and tell me I should receive the funds in XXXX more days which was XXXX. I KEPT calling back EVERY 10 DAYS and the same thing was said. They kept saying the same XXXX thing until the mid of XXXX of XXXX which I knew was all XXXX. Citibank customer service reps had no idea what was going on in my account and they had no proper training on how to do their XXXX job.
I went to a branch in XXXX and one of the bankers at the desk refused to help me and said he couldn't access my account when he didn't have his computer on. I went to another branch in XXXX XXXX and she reviewed my account, but said she wouldn't be able to help escalate this since she wasn't the one that opened the account and suggested I go to the branch where I opened it. Then I went to XXXX where I made an appointment with XXXX XXXX and while he was reviewing my account. He said with these chargebacks the security department is reviewing it ( At that time they weren't ) and will send my funds in another 60 days ... It is now close to 90 days since he said that and no funds have arrived.
After multiple tries to get an update on this, I finally got one at the end of XXXX where the reps told me this account is being handled with the security team and transferred me to them. The reps at the Security team informed me this fund is currently being held and I should " contact the finance team where the payments came from, '' which made no sense at all. The security department would not give me any more information besides saying " Contact the finance team where the funds came from. '' They could not give me any more information but that which made no sense ... at all. I called XXXX since we processed the payments and they said they just forward the funds to the account. They don't deposit into theirs then ours. At this point, I have no idea who to contact for those funds.
Opening an account with Citibank has been a living nightmare. Each order I received I have fulfilled with my personal funds without knowing if a chargeback occurred again in the account and who it was from. If I knew that this is how their services and process works, I would have NEVER opened an account with them. They all have been constantly lying and have no proper training on how to handle customer service. All I have been receiving are letters of deductibles on the closed account which my money has been. Chargeback receipts and deductibles from my account have equaled about {$5600.00} which means I should have and received the amount of {$9600.00} by now. I can not continue my business like this if Citibank is going to hold my funds. My business has been on hold since this occurred. All I want is my money that I earned.
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| 04/23/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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I am a Citibank Citi XXXX customer and have been a customer since approximately XXXX. On XX/XX/XXXX, I received an email from XXXX that my saved payment method was denied so I called Citibank customer support at XXXX at approximately XXXX. I was told that my account was locked due to an investigation but no further info was given. I was told that this would be resolved within 24-48 hours and an email would be sent to the specialist reviewing my account. I had already submitted 2 electronic bill payments on the afternoon of XX/XX/XXXX, one through XXXX for {$1500.00} and another through my Citibank app to my credit card for {$1500.00}. Neither of those transactions appeared in my Citibank transactions list summary.
I called Citibank at the same number on Wednesday morning XX/XX/XXXX to be told that the account was still under review and to give it 24 hours. I called again that afternoon to be be told the same thing. That afternoon I got notice that my {$1500.00} bank transaction was denied because the account was locked.
I called Citibank at the same number on Thursday XX/XX/XXXX at XXXX am to be told that the account was under review and it would take 24 hours. I told the person I was speaking with that I was told this on Tuesday so obviously the 24 hour period is a lie. I asked if this is something that was told to customers just to get them off of the phone. The agent replied that this is how long it takes to resolve this issue, which couldn't be the case because 48 hours earlier I was told the same thing. The agent said she would send an email to the specialist reviewing the account to escalate the issue. I asked to be cc 'd on the email but was told that she couldn't do that. I received an email from XXXX that my {$1500.00} transaction from Monday was denied because of the locked account but XXXX would cover it but I had to repay the transaction.
On the afternoon of XX/XX/XXXX, I called customer support again to check the status of my account but it was still showing as locked. I called the branch in XXXX XXXX, CA and spoke to someone named XXXX and she told me I could come in and we could call the fraud department together or I could call the fraud department myself. I told her I would come to the branch in person.
At XXXX on XX/XX/XXXX, I arrived to the Citibank branch in XXXX XXXX and met with XXXX XXXX and told her what was going on. She called the fraud department and was told the same thing I was told all week, including it could take 24 hours. I explained that without my money, I wouldn't be able to pay bills and I could incur possible late fees. She asked how much money I needed to which I told her I needed {$3000.00}. She said she could possibly do {$1000.00}, but I declined because I do not want extra transactions with Citibank until all of this is resolved. She believed that the problem with the account was because of the transactions I was trying to complete is within a newer checking account. I had to open this brand new Citi account on XX/XX/XXXX because there was fraudulent activity stemming from someone trying to use my XXXX account. I explained to XXXX XXXX that I have been a Citi customer for 25 years and my transactions have always been the same and this is how I do my banking so this is not going to work for me if Citi will not allow my types of banking transactions.
XXXX XXXX called me on Friday XX/XX/XXXX at XXXX am to tell me she called the fraud department to check on the status but it was still under review, however, she thought that by the afternoon it should be resolved. She called me back at about XXXX XXXX to say that the hold was released from my account and everything is working again properly but she couldn't guarantee that it wouldn't happen again based on the age of this checking account.
On the evening of XX/XX/XXXX, I was able to make 2 separate debit card transactions without issue. I then tried to XXXX my wife {$1600.00} and XXXX denied the transaction. I figured maybe XXXX has me on a restricted transfer amount after this ordeal so I wrote a check to my wife for {$1600.00} and she tried to deposit it through her phone app to her bank. She received a message that only {$220.00} could go through on XX/XX/XXXX and the and the remainder would be accepted on XX/XX/XXXX. So apparently my checking account that XXXX XXXX said would be working properly is currently not working.
This morning, XX/XX/XXXX, my wife received an email from her bank that the total amount of {$1600.00} could not be transferred at all because the banking account from which it came from, which is my account, has been locked.
I have emailed XXXX XXXX both on XX/XX/XXXX and XXXX to tell her about the issues that I continue to have.
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| 10/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I am writing to file a formal complaint against Citibank regarding a series of fraudulent activities and the subsequent mishandling of my accounts. The timeline of events is as follows : On XX/XX/XXXX, I noticed fraudulent charges on my Citibank debit card and promptly reported the issue to Citibank. I also requested a new debit card and contacted the stores where the fraudulent charges occurred to report the issue.
On XX/XX/XXXX, I had a three-hour phone call with XXXX XXXX ( claiming to be a higher-level Citibank employee in the fraud department ) at XXXX. During this call, we went over each fraudulent charge. XXXX assured me that seven of the charges had been reported and were in the process of being investigated. She also assured me that my Citibank credit card was not affected. However, during this call, she accidentally forwarded my personal cell phone number to Citibank 's hotline for XXXX days, causing me to miss important voicemails. Furthermore, my Citibank online account was locked, and despite assistance in resetting the password, it did not work. I was informed that someone using a XXXX XXXX phone had been utilizing mobile pay with my debit card.
On XX/XX/XXXX, I received an incoming call from Citibank at XXXX, which lasted only one minute.
On XX/XX/XXXX, I made two separate one-hour phone calls to XXXX. During these calls, I was told that my debit card balance was {$2900.00}, and my account moving forward was safe.
On XX/XX/XXXX, I attempted to log into my newly established online account using the temporary provided password but it was incorrect, and I could not access my account.
On XX/XX/XXXX, I visited a Citibank branch in XXXX XXXX, CA, where I spent XXXX hours with a banker, reporting the fraud once more.
On XX/XX/XXXX, I visited a Citibank branch in XXXX, CA, where I spent XXXX hours with a banker, XXXX XXXX, reporting the fraud again. I also reported a fraudulent claim for a {$13000.00} loan. Following this visit, my account had multiple issues. In order to activate the replacement debit card, I inserted it into the ATM and created a new pin. However, immediately after the transaction, I was locked out of my account. At this point, my checking balance was {$14000.00}, and my credit card balance was {$18000.00}. I also received a missed call from CITI at XXXX during this time.
On XX/XX/XXXX, during my third in-person visit to Citibank in XXXX XXXX XXXX CA, my ATM card did not work at the ATM. I spent XXXX hours with banker XXXX XXXX, reporting the fraud once more.
On XX/XX/XXXX, during my fourth in-person visit to Citibank in XXXX XXXX XXXX CA, I spent XXXX hours with banker XXXX XXXX XXXX XXXX the fraud once again. During this visit, my credit card was officially canceled, and I was informed that I would not be able to access credit card information for four business days. I was advised to call the XXXX XXXX XXXX at XXXX to identify and dispute fraudulent credit card charges. I was also informed that they would handle the investigation of the fraudulent activity, and resolution could take XXXX months.
On XX/XX/XXXX, I called the XXXX XXXX XXXX at XXXX for XXXX minutes. They instructed me to call XXXX, but they connected me to a different department. Following the call, I received three missed calls from a suspicious-looking CITI number XXXX XXXX ).
Throughout this ordeal, I have noticed multiple mobile purchases using my debit card and Citibank credit card, from a XXXX XXXX phone. Not only do I not use this type of phone, I explicitly told the rep on XXXX to make note of this fact in my account to prevent further fraud by the XXXX owner. It has continued however.
I am deeply concerned about the handling of this situation by Citibank, which has not only resulted in significant financial losses but also a grave breach of privacy and security.
I have experienced numerous financial setbacks, including : I am facing substantial financial losses due to unauthorized charges, including a {$13000.00} loan taken out in my name. The fraud and stress have left me in a dire financial situation, forcing me to take a cash advance from another credit card, borrow money from friends, and incur significant fees associated with these actions. The fraudulent charges and the credit card loan have severely impacted my credit score, my ability to make major purchases, and increased the cost of future credit. I have spent countless hours trying to resolve this issue, impacting both my personal and professional life. The time spent on calls, branch visits, and the emotional distress have affected my work and personal life.
I've tried everything possible with dealing with Citibank directly and need help. I can not afford a lawyer.
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| 11/03/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I submitted an application to open an online checking and savings account with Citibank on XX/XX/2018 at XXXX. The account was opened to take advantage of an account opening bonus of {$400.00}. The promotion required me to deposit {$15000.00} in new money to Citibank and maintain for 60 days. The account also needed to be funded in 30 days. I was denied the account bonus because the account was not funded in 30 days. This was not possible to accomplish based on online account opening process timelines controlled by Citibank. The denial from Citibank is because I was just 1 day late to fund but again because of Citibanks delays. This denial is exhibiting a practice that is an unfair and deceptive practice to a consumer.
The account application was submitted online on XX/XX/2018 at XXXX XXXX. This is the date Citibank is leveraging in computing the 30 day account opening period. However, Citibank doesn't let you use the account until they verify the account details, and approve online banking access. One can not access online banking until you receive a debit card, and activate which can not be done until a pin is provided. I received the debit card approximately 3 weeks after submitting the online account application, and then received the pin code on approximately XX/XX/2018. The signature card was faxed to Citibank on XX/XX/2018. On XX/XX/2018 I was granted online access. Online Banking access is necessary to ACH fund the account from an external financial institution. In order to link an external bank account to Citibank there are 2 test transactions which are not sent for 2 business days. I promptly executed the funding of the account on XX/XX/2018. This ACH cleared on XX/XX/2018 which according to Citibank should have been on XX/XX/2018.
Citibank was contacted numerous times between XX/XX/2018 and XX/XX/2018 pertaining to the account bonus. Specifically on XX/XX/2018 at XXXX XXXX EST, I contacted Citibank to confirm that I met the promotion details and wanted to be certain that I maintained the correct balance in the checking and savings account. The employee confirmed that I would be eligible for the promotion and advised that I should maintain {$1500.00} in the checking account to match the promotion. I transferred the funds to match the {$1500.00} requirement per the employee on XX/XX/2018 at XXXX XXXX EST. The employee on that call confirmed that I met the promotion requirements. I relied on that confirmation and kept the funds with Citibank with the expectation that I would be earning the account bonus. I then contacted Citibank numerous times asking when the bonus would be posted. Each time I called I was told approximately in XXXX and there weren't any issues with my eligibility. In addition, on XX/XX/2018 I was charged a maintenance fee in error for {$25.00} and was again assured that I was eligible for the account bonus of {$400.00}. I then spoke to an employee on XX/XX/2018 confirming the date of the bonus posting, and was told that the account wasn't set up for the promotion. He submitted a research request on XX/XX/XXXX to be researched. I then contacted Citibank numerous times to follow up on the status of that research. I was then sent a letter on XX/XX/2018 indicating I was not eligible for the bonus because the account wasn't funded with in 30 days. I explained to Citibank that for the past 5 months I was assured that I would receive the bonus. As a result, a dispute was submitted on XX/XX/2018 and on XX/XX/2018 received a letter indicating I wasnt eligible for the bonus.
Citibank has exhibited unfair deceptive practice in that employees confirmed ( on several instances ) I met the promotion requirements. I couldn't fund the account logistically in 30 days because online banking access wasn't granted until XX/XX/2018, Citibank continued to lead me to believe I would receive the bonus making my damages increase by the day. Now I am out a competitive interest rate for 5 months, lost the use of my funds for 5 months, and didnt receive an account bonus for {$400.00}. I repeatedly contacted Citibank when I learned of my potential denial of the account bonus ( and prior ) and did not get a prompt response despite each employee saying that Citibank 's policy is to respond within 5 -7 business days. In both research requests I waited a total 36 days. I met all the requirements of the promotion except for funding the account in 30 days which was funded in 31 days. The delay in funding the account was attributed to Citibank 's lack of prompt response to fully open the account and grant online banking access. I have suffered damages, and relied on Citibanks employee responses ( several ) that I would receive the account opening bonus.
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| 12/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I have been citi 's customer for 3 years. My first citi credit card was approved in 2015, and I have been using that card since then. Citi sent me the advertising letter to ask me apply for a new premier card months ago, and said I could get XXXX thank you points if I spent {$4000.00} in the first months. That attracts me, and considering I will go travel and buy gifts for my girlfriend, I think I can finish that bonus task, so I applied that card and get approved this XXXX. Then I use the premier card normally, use the card for gasoline, restaurant, buying clothes and electrical devices online, pay all the balance before due, and never have late payments. I have been always kept a high credit score, around XXXX points for both XXXX and XXXX.
On XXXX XXXX when I try to use the card to load money to my transportation card, it said the transaction failed. I then login to my citi account and finds all my credit cards are closed by citi. I then call the citi customer service, and they give me no explanations. Just said I will receive a letter and ask me to wait for the letter. Several days letter, I received the letter, and again no explanations, and it asks me to sent letters to citi to ask for explanations. Ok, I sent the email to citi and hope they can give me reasonable explanations.
I really have no idea why citi close all my cards. I have never use the credit cards inappropriately. I never have late payments. I always keep my credit use under 15 %. Citi got every right to close my account as long as they want. But when they arbitrarily close my account without any warning or explanations, they also take back all my thank you points. Those points are earned by myself. I spent every dollars to earn those points and they just take all those points away as they want.
I then chat with the online customer service to ask issues regarding my thank you points. The customer service told me " you will get the access of the thank you points, you just need to call our thank you team once. I will share their number. you are not able to see the points because of the status of the account. rest assured that you have it in your account. ". I then get the thank you team 's number and called that number and a lady answered. I explain what happened, just exactly the same I told the customer service through online chat. But the lady said I can not get those points. I questioned that citi got every right to close my account, but why they can take back my points. I earned those points by spending every dollars. And they never show me any policies that citi got rights to take back all thank you points after they close my accounts. The lady answered me very rudely, she said " Yes, we can do this. We can do whatever we want. You will not get those points ''. That really XXXX me off! I then hang up the phone.
How can citi, a large credit card company, do such thingsThat 's exactly robbery and deception for me : 1. First of all, if citi didn't send me the advertising letter, I will not even consider to apply for my second citi credit card.
2. Second, citi got all rights to close my account, but at least should give me some explanations. My first credit card have not been used for like 5 months, and they suddenly close all my credit cards. I NEVER use the card abnormally and NEVER have late payments.
3. Third, yes, citi have all rights to close my account, but how can they take back all my thank you points?? I never find any terms or policies says they can arbitrarily close any customers ' credit cards and then take those points back. Those points are earned by myself by spending every dollars. I can use my other credit cards, like XXXX or XXXX, I will still get points. But since citi sent me the advertising letter and let me to apply for Premier card, and told me I will get 60K thank you points bonus after I spent {$4000.00} in the first three months, I then only use the citi premier card in my daily life. That's a huge loss for me. Citi 's behavior is really like a robbery in my eyes.
4. Fourth, the third customer service 's attitudes were very poor and rude. She never tried to solve the issue for me, or gave me any specific policies or terms showing they have rights to take back my points when they close my account. Also her response to me is very RUDE! I even doubt whether because my accents sound like a foreigner so that she said those rude words to me. If so, that's RACISM!
5. Fifth, I maintain a very good habit in using all my credit cards, and have been always maintain a very high credit score. Citi arbitrarily close my accounts will hugely affect my credit score, and will further affect my loan interest if I will lease a car or buy a house in the future.
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| 06/13/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Older American |
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Home Depot Credit Services Consumer Finance Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX, Iowa USA Hello I have continued to have issues my Home Depot Account as it pertains to Promotional Balances. I have spoken to the Customer Service Team on 2 separate occasions with each call being about an hour. At the end of each call I was assured that things were taken care of. The second call I even asked to speak to a manager. Below is the detail of my concern and the information from each call.
I have promotional balances that my additional payments I am making each month are not being applied properly. The 2 Promotional balances that I am addressing in the letter is the 2 that had a XX/XX/XXXX end date.
1 ) o Purchase Date : XX/XX/XXXX Promotion End Date : XX/XX/XXXX o Original Balance : {$290.00} o Balance as of my XX/XX/XXXX call : {$66.00} per website o Payments made to date : {$230.00} 2 ) o Purchase Date : XX/XX/XXXX Promotion End Date : XX/XX/XXXX o Original Balance : {$550.00} o Balance as of my XX/XX/XXXX call : $ XXXX per website o Payments made to date : $ XXXX My first call was on XXXX and I spoke to XXXX. This call was XXXX hour XXXX mins. The reason for the call was that my additional payments were not being applied to either of the promotional balances. I explained to XXXX that I keep going into the site and marking the 2 Promotional Balance due on XX/XX/XXXX to be that XXXX where my additional payments should be applied. I had received letters/email communication that the selections for made however when I would go back into the site the selections were no longer checked as a selection. During this call I was put on hold numerous times. By the end of this call, I was told by XXXX that she had corrected all the payments and actually the promotional balances for these XXXX that were due on XX/XX/XXXX now had a XXXX balance. During the Call with XXXX, I noted the balances that were on the website. They are above.
I kept going back to the website and checking and I was still not seeing that the balance on these were showing the updates that XXXX stated she made.
I call back again on XX/XX/XXXX and asked to speak with a manager. I was transferred to XXXX. XXXX stated that the issue was I had a previous promotional balance that was set up before I made the purchases in XX/XX/XXXX that had the XX/XX/XXXX Promotional End Date. He could not explain why the many changes that I made online to change those extra payments over to the Promotional Balances that we due in XXXX were not sticking on my account. Again placed on hold multiple times and again was assured that he corrected the information. He stated that because my Promotional Balances were now due in less than 60 days that all additional payments would go to those XXXX first. Per XXXX my payments for these 2 account would be approximately {$300.00}. When I looked online it appeared to me that those balances would be {$480.00}.
I made sure that I made extra payments of {$500.00} so they would for sure be covered. As you can see from my statement dated XX/XX/XXXX that I received today in the mail my auto payment was made on XX/XX/XXXX for {$90.00} and additional payments were made on XX/XX/XXXX for {$300.00}, XX/XX/XXXX for {$150.00} and XX/XX/XXXX for {$50.00}. All of these additional payment should have been credited to those 2 Promotional Balances that were due on XX/XX/XXXX. I did go back into the website after the XX/XX/XXXX payment and it did show that those promotional balances for XX/XX/XXXX had a XXXX balance.
You will see the bill I received today shows that there were payments totaling the {$590.00} detailed above however they were not applied to the Promotional Balances that were due on XX/XX/XXXX, only {$170.00}. You will also see that the interest I am being charged on this statement for {$140.00} includes {$38.00} and {$58.00} for those 2 Promotional Balances.
I dont have time to continue to call and spend hours on the phone to try to resolve this. I did advise XXXX that was going to loop in the CFPB if I could not get this resolved. He did not seem concerned so I am hoping this will get the attention needed to resolve issue. I should have had no interest charged to for those 2 Promotional Balance account. My additional payments should have been allocated to these as requested.
I do have a letter dated XX/XX/XXXX and another on XX/XX/XXXX that my extra payments would be applied to those 2 Promotional Balances. Had I realized this would of become such and issue I would saved everything and not deleted any emails.
How can we resolved this and correct the interest I am being changed for the 2 Promotional Balances?
Please advise
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| 07/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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|
Web |
Servicemember |
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Card balance is fully paid by my employer, however I am required to cover the amount due by its due date if employer 's payment has not gone through. On XX/XX/XXXX I paid {$530.00} from my personal checking account since balance was due. On XX/XX/XXXX employer pays entire card balance, which leaves a - {$530.00} balance on the card, which is my original money that belongs to me.
On XX/XX/XXXX I notice the " request refund '' option is missing on the website, so I call the number on the card for assistance, where I'm told I can't request a refund until after XX/XX/XXXX.
On XX/XX/XXXX I call the number again, where I'm told by the automated voice that they need me to provide a phone number to send a security code to. I provide my phone number, which is rejected because they can't verify it as mine. This despite this being the same number registered to the account, which Citi texts to send me a code every time I log in to the website ( I have 17 texts from them as of writing this ). I'm asked to provide a different phone number. I have no other phone numbers, yet no other option ( such as by mail or e-mail ) is offered. Automated helper ends the call on me after I am unable to provide another phone number.
I check periodically, but website still lacks the " request refund '' option.
On XX/XX/XXXX I go to a physical Citi location, but am turned away and told that they can only help me with the balance refund through calling the number on the card.
Same day XX/XX/XXXX I call the number again, but after the automated helper rejects my phone number yet again, I ask to speak with an agent. Agent also informs me that my number is being rejected. However, she gives me the option to answer security questions, which I accept. I am given 3, all of which I know and answer correctly, however I'm eventually told I answered all 3 incorrectly.
( I know this is not possible. Q1 I'm asked what state one of my cousins lives in out of several options, I answer the option " None of the above, '' because New Mexico, where he lives currently and for the past decade, is not one of the options. Q2 I'm asked what college I've been affiliated with out of several options, I answer the option " None of the above, '' because I've only been affiliated with 3 colleges in New Mexico, which were not named, in fact none of the options were from New Mexico. Q3 I'm asked which address is familiar to me out of several options. I answer " None of the above, '' because I'd never heard of those addresses before. ) Agent is puzzled but helpful, and gives me the option to answer 3 other questions, which I once again accept and once again fail, but this time she informs me I answered 2 incorrectly.
( Once again I know this is not possible. I even clarified the questions before I answered, since I was wary after the previous attempt. Q1 I'm asked in which of the following cities have I lived in, which I answer the only correct option given : " XXXX XXXX, since I currently live here, '' I said. Q2 I'm asked what year is closest to my birthday year, with several options being prior to the XXXX and one option being XXXX. My birthday year is XXXX, so XXXX is the closest. " XXXX, '' I answer. Q3 I'm asked what employer I've been affiliated with out of several options. I've never even heard of the options given, much less worked for them, so I answer " None of the above. '' ) At this point the agent says there's nothing that either she or her supervisors can do for me on their end since I failed twice. She says the only thing I can do now is request it through the website online. I inform her that I have been unable to find that option online. She offers to walk me through how to find it, but I did not have computer access at the time to follow along, so she suggested that I call back when I do.
Same day XX/XX/XXXX I call the number again while logged in the website. Automated helper rejects my phone again before connecting me to an agent. This new agent also tries to send security code to my phone number but informs me that it's not being accepted. I inform her that I'm logged in the website so that she can guide me to the " request refund '' option. She guides me through by telling me where to click. " Request refund '' option is missing from the rest of the given options. I read out loud all the options that I see in the page so that the agent can confirm I'm looking in the right place. Agent confirms that I'm at the correct screen, and that the " request refund '' option should be among the other options that I read. She did not know why the option was missing.
With that I've exhausted my options with Citi. There remains no way for me to request a refund on the negative balance.
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| 03/22/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American, Servicemember |
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XX/XX/XXXX - My husband passed away who retired from the company.
XX/XX/XXXX - With the assistance of my daughter, contacted the company to inform of husband 's passing after receiving the death certificate.
XX/XX/XXXX - Spoke with CSR who confirmed account was closed and told there was a XXXX balance. Also told not liable for balance. Told to send death certificate and letter to the company.
XX/XX/XXXX - Received a call from the company regarding account. Spoke with floor supervisor and explained what happened the day prior. Floor supervisor stated that a letter would be sent out 7-10 business days. May possibly receive phone calls until updates were made in the system.
XX/XX/XXXX - Spoke with CSR regarding account. We were told there was nothing in the system and that we should speak with someone with the Investigations Dept. Given a case ID # ( XXXX ). Told to resend death certificate and letter, nothing on file.
XX/XX/XXXX - Emailed letter and death certificate per request.
XX/XX/XXXX - Spoke with CSR and was informed that my husband 's account had been transferred to a new account on XX/XX/XXXX in my name. Was told that there supposedly I was joint on the account. Informed CSR I was ONLY an authorized user on the account. CSR looked up notes in the account and found that retiree called regarding adding someone as a joint person on the account ( XX/XX/XXXX ), but there was no application of a joint account. Also was informed that whatever was done on XX/XX/XXXX wasn't correct. Was transferred to another company to their Investigations Dept and then to the Probate Dept with no resolution.
XX/XX/XXXX - Contacted by the company once again and was transferred from CSR to Probate who then transferred to Employee Accounts ( the new account opened was an employee account, my deceased husband 's account ) who then transferred to a Collections Supervisor who then transferred to Fraud Detail who then transferred to a Supervisor who supposedly closed the account, apologized for the confusion and stated that I was not liable and would be referring to the investigations department.
XX/XX/XXXX - Contacted by the company and SCR stated the account was closed an a new credit card was opened ( reason for the call from credit department ). He stated his supervisor told him that I was still liable for the account. After going back in the notes, the CSR stated there was an account closed in XXXX with a different account number ( looked like an error ), then also confirmed the old account was transferred from my late husband to new account with my name only. Finally spoke with the supervisor in the Billing Department. She stated she was escalating the case and to resend the letter and death certificated to the company 's dispute department. It would take 10-14 business days.
XX/XX/XXXX - Received a XXXX package from the company. The letter stated that I was the primary and requested my husband, who was an authorized user, be made joint on the account. I was NEVER the primary on the account! My husband may have called to inquire about adding me as a joint account holder, but I never agreed to anything. When I requested the documentation to show a credit application with my name on it, all they sent were copies of my husband 's old credit card statements. The letter dated XX/XX/XXXX, was to show I was only an authorized buyer on the account. My husband had to go through bankruptcy and I was never involved in his dealing. I was under the impression that my name was solely on the bill because I was an authorized user. I am not aware of what my husband did with his account. The company never sent any documentation of a credit application, only statements.
XX/XX/XXXX - The company had a letter to the my estate and that the account was closed. The estate would receive communication from an outside probate partner. I did not call because this became very frustrating and hurting. I am still mourning the death of my husband and now they are sending letters to my family stating that I am dead. This was devastating!
XX/XX/XXXX - I received a letter from a law firm addressed to my estate. They had received notification that I had passed away, They were seeking to located the Executor of my estate to pay outstanding bills. My daughter sent an email to them letting them know I was very much alive and that this was an example of the poor services being received from their client.
The end of XXXX I received a statement from the Company for payment and several phone calls from the credit collections department. I began to seek legal help, but I can not afford to pay for the expenses. I was speaking with a family friend and was told I should send my concerns to CFPB.
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| 12/28/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX XXXX, XXXX XXXX XXXX Home Depot Credit Services XXXX XXXX XXXX XXXX XXXX, MO XXXX Attention : Dispute Division Re : Open Project Job Order Account Number : XXXX XXXX XXXX XXXX Entry Door Job # : XXXX Purchase Amount : {$2600.00} Transaction date : XXXX XXXX, XXXX Local Branch Office : XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX at XXXX INSTALLATION MANAGER : XXXX XXXX at XXXX XXXX XXXX XXXX I am disputing the above referenced purchase because the project has not been completed to my satisfaction. I was led to believe that the entry door had 2 KEY LOCKS and instead it has only 1 top key lock and a deadbolt. I have been calling and emailing XXXX XXXX Corporate Office, Home Depot Installation Manager and Home Depot Sales since XXXX XXXX, XXXX to get this matter resolved and no one seems to value my time, safety or the urgency of this issue. As a result, I will not pay the outstanding balance of the Entry Door - {$2600.00}.
As stated in the Home Depot Credit Card Purchase Agreement, my repayment shall commence following the COMPLETION of ( all ) the Project ( s ). Hence, the Entry Door Project has not been completed. There is also the matter with the scratched Bay Windows, but I can only manage one long outstanding issue at a time. I will address the Bay Windows issue by the next statement due date.
Please refer to chronology of events that have occurred since Monday, XXXX XXXX, XXXX : 1. Installation Date of Entry Door : Friday XXXX XXXX, XXXX { I questioned the installer about the missing key lock and he told me to contact HD on Monday } 2. Initial call to Home Depot Customer Support ( XXXX XXXX Shamya Winfield ) : Monday, XXXX XXXX, XXXX { several complaints were filed on this day : installer took my garden broom, Bay Windows were scratch during the installation ; debris was left on my living room floor following the Bay Window installation, AND the Entry Door was not the correct door }.
3. XXXX XXXX, XXXX, I informed the Installation Managers Assistance ( XXXX XXXX ) that it was imperative to have this Project Completed before the start of the school year because I would only be available on Sundays between XXXX and XXXX. I was assured that the door would be installed by XXXX XXXX, XXXX.
4. Made official compliant with HD Corporate Office : XXXX XXXX, XXXX 5. XXXX XXXX, XXXX, I asked the Installation Manager and Sales Manager to defer payments on the Entry Door until the Project was completed. As of the date of this communication, neither Manager has followed up with me on this request. I also inquired about the difference in price for the new door since its obviously cheaper given the downgrade. I was told there was no difference. I still disagree and will follow this up.
6. Several additional calls made to Installation Manager, HD Corporate Office : XXXX XXXX thru XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, XXXXales Manager, came by my home to have me complete a new order form to order a door with 2 KEY LOCKS.
8. Date to re-install correct door was scheduled for Saturday, XXXX XXXX, XXXX. Installations showed up 5-hours past the scheduled time with the incorrect door. In fact, it was the same exact door that was already installed. I called the Installation Manager, XXXX XXXX at XXXX XXXX XXXX XXXX the same day and he informed me that since it was the weekend there was nothing he could do. No empathy. I asked him to follow-up with an email or text to inform me of the next steps to get this resolved. I never received an email. In fact, I ended up leaving voice mail messages every other day for the next 2 weeks.
9. On XXXX XXXX, XXXX, the Installation Manager, XXXX XXXX contacted me via text to ask what type of door did I order. I informed him a door with 2 KEY Locks. Subsequent effort to finally warp this up and have the correct door installed has not occurred.
10. Please refer to email messages : As you can see from my account, more than the minimum payment is being made on time. I have gone out of my way to reach out to the Regional Manager, HD Complaint Division, even the CEOanyone that could help resolve this matter, but to no avail.
Lastly, please apply all past payments to the higher priced transaction, Bay Windows {$4900.00}.
Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX YOUR TEAM LEADER YOUR LOCAL BRANCH OFFICE Your first call for anything related to your project. Your branch is always there to help you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX ________________________________________ YOUR INSTALLATION MANAGER YOUR SALES CONSULTANT Your go-to if your team leader ca n't address your concern. For paperwork and finance questions.
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 09/15/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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On XX/XX/XXXX I noticed that there were unauthorized transactions from my two citi checking accounts for the amount of : 1st account {$190.00} ( XXXX ) and 2nd account for {$500.00} ( XXXX ). I immediately contacted at XXXX citidebit customer service number on the back of my card, I specifically told them to deactivate XXXX and do not post any XXXX transactions as they are all not mine. I was reassured that both debit cards will be blocked and replaced - my online/mobile app access to the accounts were blocked until I receive new cards.
On XX/XX/XXXX I received a text that {$1000.00} XXXX payment and {$1100.00} money transfer were requested - I called citi debit at XXXX to notify them to stop payments as they are not mine. Again asked to check to make sure that XXXX is not active on my account- was reassured that eveything will be taken care of.
On XX/XX/XXXX in the morning I found out that during the night there were additional online transactions performed on my accounts : 1st for {$1000.00} ( XXXX was already posted ), and I receive email from XXXX that they are trying to perform 4 XXXX transactions from my second account for {$190.00}, XXXX, XXXX, XXXX and a text from citi if I tried to transfer {$750.00}. I called citidebit at XXXX and notified them these are not my transactions on both accounts. I still didn't have access to my online or mobile app due to not having received debit cards. Again I was reassured that I don't have to worry and they will take care of those transactions. After I contacted XXXX and notified them as well about unauthorized transactions on my account. Since I was concerned about these transactions around XXXX I went to local citi branch at XXXX XXXX XXXX NY XXXX to check personally with the banker and possible close both accounts and reopen under new numbers. He told me that he doesnt see any transactions ; I am safe since my online access is blocked and there is no need to close my accounts. He also told me that XXXX wasnt de-activated on 2nd account. He helped me to de-activate XXXX on the 2nd account and ordered a replacement debit card though it supposed was to be done at least I was told so on XX/XX/XXXX. But he told me that it wasnt done. I also changed contact email in my profile with his assistance in case my existing email was compromised.
XX/XX/XXXX around XXXX I activated my 2nd account debit card at the local branch XXXX XXXX XXXX and asked the banker to check email in the profile as I didnt receive any confirmation on my new email. She confirmed that it was changed though I still was receiving notifications on my old email. At XXXX I called citidebit to restore my online access. During the conversation with the representatives I found out that there were another 2 attempts to transfer money from my 2nd account for {$750.00} & {$850.00} that thankfully were stopped and they still dont see on the account the XXXXl transations I reported in the morning. They said that since my debit card is active now I can start using my online/mobile app. Right after the phone call that lasted for about an hour I tried to restore my online/mobile access but it didnt work.
XX/XX/XXXX at XXXX I called XXXX and was able to restore my online/mobile access by changing user id and password and I found out that XXXX transactions ( {$190.00}, XXXX, XXXX, XXXX ) I reported on XX/XX/XXXX are listed as pending on my 2nd account. I initiated chat about XXXXXXXX XXXX with rep XXXX but after I gave all the details the chat got disconnected while I was waiting for the despute rep. I called citidebit again at XXXX and again provided all the details to customer rep. I was told to wait to be transferred to dispute center and again my phone call was disconnected. At this point I felt tired and frustrated of all the attempts I made to reach out citi and resolve these issues.
XX/XX/XXXX in the morning I found out that all XXXX transactions ( {$190.00}, XXXX, XXXX, XXXX from XX/XX/XXXX ) were already finalized and posted on my account as well as the one from XX/XX/XXXX for {$190.00} which I disputed on XX/XX/XXXX. I called citidebit and finally was able to speak to dispute center. XXXX posted conditional credit of 4 transactions from XX/XX/XXXX but not the ones from XX/XX/XXXX as they are still being investigated : 2 transactions for {$1000.00} & {$500.00} on my 1st account and {$190.00} for my 2nd account.
At this point I want to close my both accounts with citi as soon as I get my money back. It is unacceptable that after multiple notifications, citi still continues allowing my money be taken by scammers and not protect me. Ive been with them since XXXX and I feel sad that quality I was relying on before lately declined so bad.
|
| 09/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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Hello, So I opened an account back in XXXX and two accounts since, but it was closed without my knowledge and the bank did not even warn me of closure. Everything was fine until one evening when I found out my accounts were closed when I was unable to make purchases on any of the account, so I thought maybe they don't accept certain cards but they said that they accept all credit cards. I have 3 accounts with Citi bank and I was in good standing, they were all paid on time and no late payments. I even send them a mail about my accounts being closed unexpectedly to get them to reopen my accounts, but they refused and they didn't even allow me to get my rewards back to me. This is poor practice by not just Citi but any Bank at all. I also had an intro bonus with my Citi- Premier card that was around XXXX thank you points after XXXX spending ( I was XXXX from hitting that bonus ) which I could have achieved 6 months ago if it wasn't for this unexpected turn of events.Basically, I wanted my accounts reactivated and restore to their previous state because it was unfair that my account closed unexpectedly like this. I also have disputes on my accounts that were unfairly ruled against me and if possible I will need to file a police report and also file other reports against this bank if it boils down to that. Not only is this unfair to me as a consumer but it is also unfair to anyone who has done business with Citi for 5+ years.
Account HolderXXXX XXXX XXXX XXXX XXXX
Account No- Costco Anywhere visa Credit card ending in XXXX ( account since XX/XX/XXXX )- with a -Credit limit of {$12000.00} with the current balance of " - {$100.00} '' -Restore my previous rewards Costco cash back from XXXX to {$220.00} that is supposed to be mailed to me later this year on the end of XX/XX/XXXX statement.
Citi Custom Cash card ending in XXXX ( account since XX/XX/XXXX ) - Credit limit of {$6400.00} with the current balance of - {$96.00} Restore my previous Thank you rewards of XXXX Thank you points.
Cit Premier card ending in XXXX ( account since XX/XX/XXXX ) - Credit limit of {$7000.00} Restore my intro bonus of XXXX Thank You points after {$4000.00} spending when I opened the account on XX/XX/XXXX, and extend it till the end of XX/XX/XXXX because I could have reached my intro offer by XX/XX/XXXX if my account wasnt closed.
Restore my previous Thank you rewards on the account of XXXX Thank You points.
Letter is below...
To : The Office of the President, XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Account Holder- XXXX XXXX XXXX XXXX
Dear Office of the President, With due respect, I am informing you that my above-referred credit card accounts have been deactivated because of a reason unknown since XX/XX/XXXX, for a period of 1 week and 4 days as of the date this letter is being written, so I hope that it isnt too late. I don't believe there was any misinterpretation of information, but if there was, I am deeply sorry for any harm this may have caused and will make certain that it does not happen again. I have been a loyal customer with other banks, including XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX and XXXX XXXX XXXXXXXX for over 10 years, and I have never had this problem. Now, I want to continue to make transactions in the above-mentioned credit card accounts with your esteemed bank, Citibank.
Therefore, I would like to request that you activate and reinstate the accounts above as " reopened '' and not new accounts with no hard inquiry but a soft inquiry to their previous state with immediate effect.
I wanted to restore my cards to their previous states, as follows : Restore my credit score by removing my default on my credit report.
Reopen my Costco Anywhere visa Credit card ending in XXXX ( account since XX/XX/XXXX ) with a Credit limit of {$12000.00} with the current balance of - {$100.00} Restore my previous rewards cash back from XXXX to {$220.00} that is supposed to be mailed to me later this year on XX/XX/XXXX statement.
Citi Custom Cash card ending in XXXX ( account since XX/XX/XXXX ) with a Credit limit of {$6400.00} with the current balance of - {$96.00} Restore my previous Thank you rewards of XXXX Thank you points.
Cit Premier card ending in XXXX ( account since XX/XX/XXXX )- with a credit limit of {$7000.00} Restore my intro bonus of XXXX Thank You points after {$4000.00} spending when I opened the account on XX/XX/XXXX, and extend it till the end of XX/XX/XXXX because I could have reached my intro offer by XX/XX/XXXX if my account wasnt closed.
Restore my previous Thank you rewards of XXXX Thank You points.
I humbly request that you reactivate my account as soon as possible.
Thank you in advance.
Yours Sincerely, XXXX XXXX XXXX,
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| 08/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2020 I called Customer Service Rep for ShopYourWay Card to inquire about a credit refund from a merchant due to Covid cancellation of the event. I was unable to view my account online for reasons I don't know. When the rep. told me the charges on the card I immediately disputed the charge of {$190.00} made by XXXX merchant. I told the customer rep that I never authorized that amount with the merchant. The rep told me he would report the dispute, close the card and issue a new card which would arrive in the mail between 7 to 10 business days. The amount in question was in dispute but never resolved. I kept calling and messaging on the online account but the company failed to take any action on the disputed charge. In XXXX, I noticed I was sent an email to pay minimum payment, then I called customer service for an update on the dispute as it appeared it was not yet resolved. Customer rep 's action was very unprofessional seemed she was making mockery of the issue. I was disappointed by such action and then it dawned on me that the company had no intentions to resolve the dispute transaction but making merrygorounds and make it seem as though they were taking actions but in actual terms the company made no effort to resolve the issue. The company sent me a document on XX/XX/2020, the company sent me a document to sign stating I never authorized the merchant to make such transaction. I signed the document and returned with a written and signed letter. Also, on XX/XX/2020 I received a notice from the company that it sent me notice to provide additional information to help it investigate the dispute. I never received such notice by mail or email, nothing of such record on my account, it was all fabricated to avoid dealing with the dispute charge that was another signal for me. I replied that letter and on XX/XX/2020, the company sent another letter via email to provide additional information to help it investigate the dispute. I replied and sent the original shipping slip which was enclosed in the package I received from the merchant ( the product in question was a free trial advertised by the merchant on a social media platform and I ordered the free trial product unfortunately it turned out to be a fraudulent concept by the merchant ). The company again sent another document for signature to indicate the dispute charge was not authorized on XX/XX/2020. The last notice I received from the company prior to reporting this complaint was on XX/XX/2020, where it stated that I was not required to make any payment on the account while the investigation is pending and that all interests and charges would be removed while the dispute is pending. to my shock and surprise, I received an email to make payment on the account and that payment is past due with interest charges on the account. Prior to receiving the payment notice in XXXX, a merchant XXXX made a credit refund of {$86.00} back on the card as the program I registered for sometime for in XXXX was canceled due to Covid. I notice the company applied that credit to the amount in dispute and displayed a balance after making deductions from that amount. I called customer service to ask why that action was taken and I was told the credit will be refunded once the dispute amount is resolved. My suspicion about the company 's action on resolving the dispute was when it closed the initial card and re-issued another card without resolving the dispute or notifying me of its final decision on the disputed charge but rather reported the card as lost or stolen. The initial card is still in my possession and I never notified the company that the card was lost or stolen. After receiving the email notification to make payment on the disputed charge, I called the customer service number serviced by Citibank. The lady I spoke with initially told me there was no disputed charge on the account as the record indicates, then I told her I reported an unauthorized transaction since XX/XX/2020 but nothing was ever done to resolve it. After, much talk she then said the dispute was declined and that the company declined the transactions, reasons for declining the transaction was not given. There was no notice to that effect either by email or by mail. She said three notices was sent but I never received any. This showed to me how insincere the company was in handling the dispute which it never did in the first place but allowed time to pass over the event re-issued a new card and choose to impose a fraudulent amount charged on the account on its customers to pay. How is it that the company is imposing a payment on an unauthorized transaction that indicates it encourages the activities of fraudulent merchants.
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| 04/09/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I have multiple issues on different dates with different amounts. a family member made a unauthorized purchase with XXXX with my bank debit card XXXX for {$54.00}, i immediately contacted the bank i have an account with on XX/XX/2020 and informed them of the charge and explained to them i did not authorize debit card transaction. the lady i spoke with in the dispute department was rude and told me that i will have to fill out documents explaining the dispute in detail. XX/XX/2020 i received a credit of XXXX from my bank citi bank and have yet to receive documents in the mail regarding dispute. as of XX/XX/2020 i received a letter stating my dispute has been opened and they are starting investigation. fast forward i received a letter in the mail dated XX/XX/2020 that there was insufficient evidence to conclude that the the charge was unauthorized and the bank debited my account and overdrafted my bank account. i never received the documents that was supposed to be sent explaining my dispute. when i contacted the bank, they stated i can appeal i asked the how does the process works as far as an investigation, whats the steps and the process no one could give me an answer - i asked what information was given from merchant to conclude the investigation- from my undertanding an unauthorized charge is fraudulent so what is the process how did the bank come to that conclusion, once again no one could give me an answer. i was just told to file an appeal and i would get a response in 48hrs from the time appeal was received. i faxed over documents XX/XX/2020 and called the bank XX/XX/2020 for a status of my appeal, the rep was confused and stated they dont have any doc from me via fax - i confirmed fax number and case number rep confirmed it was correct and placed me on hold and then rep stated they have received it i will be getting a response later that day or on XX/XX/2020 -- as of XX/XX/2020 i contacted them again -- no one could locate my documents and transferred me to a manager named pXXXX she pretty much talked to me like i was dumb and not knowledgeable and stated it takes 10 business days from the date they received documents and stated they don't have any docs from me -- i explained to her i have a confirmation letter that the fax was sent @ XX/XX/2020 XXXX XXXX. she stated that the reason the dispute didn't go in my favor is because the merchant never responded to them and then i asked her at that point the dispute should have went in my favor. so i asked her how does the process go if i'm the consumer and i'm calling you to tell you i didn't make this transaction that should be the end of the discussion just send me a new card and freeze my account if you have to her response was well you only have a debit card with us and those charges are treated differently while i had her on the line i had another dispute in progress with a different merchant for the date of XX/XX/2020 which i believe should be fraud. i had an arrangement with XXXX 3rd party collection agency that was cancelled as of XX/XX/2020 due to me being laid off due to covid19 and that i never received anything in writing from the company with the dates and dollar amounts as discussed, i called XX/XX/2020 to to cancel arrangement and i was told they will cancel all future pending payments. XX/XX/2020 a payment of XXXX was debited out of my account from the merchant i tried to reach out to the merchant that day and i couldn't speak to anyone i believe they are shut down due to covid 19 i called my bank that day to dispute charge. fast forward to XX/XX/2020 while i had XXXX on the line she stated that i authorized transaction by giving my card info, i explained to her again that i did not authorize that payment as of XX/XX/2020 on a recorded line and the payment was not supposed to be debited XX/XX/2020 i felt like a criminal being charged a crime when im a consumer. i told XXXX that citi was supposed to keep my money safe at this point what is the purpose of having a bank account with citi bank if every time i dispute a charge i get treated as if i'm the one who is commiting crimes. she stated yea i know its confusing and again you only have a debit card with us you don't have a real bank i stated i have a checking account number as well and she then told me that i will have to fill out docs that would be sent to my home. i asked her are you sure they will be sent out because i never received the documents for the dispute i'm appealing now. she stated how i could print the docs myself and fax them and that it could take up to 180 days. i feel like i commited a crime when i'm the victim and the dispute department needs to treat people as if they were wanted to be treated
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| 08/05/2017 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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Dear Citibank/Student Loan Corp : Financial institutions must give their customers - and in some cases their consumers - a " clear and conspicuous '' written notice describing their privacy policies and practices. The Privacy Rule applies to businesses that are " significantly engaged '' in " financial activities '' as described in section 4 ( k ) of the Bank Holding Company Act. IV. DISCLOSURE OF ACCOUNT NUMBERS IS PROHIBITED The GLB Act prohibits financial institutions from sharing account numbers or similar access numbers or codes for marketing purposes. This prohibition applies even when a consumer or customer has not opted-out of the disclosure of NPI concerning her account. The prohibition applies to disclosures of account numbers for an individual 's credit card account, deposit account, or " transaction account '' to any nonaffiliated third party to use in telemarketing, direct mail marketing, or other marketing through electronic mail to any consumer. A " transaction account '' is any account to which a third party may initiate a charge. This provision does not prohibit the sharing of an encrypted account number, if the third party receiving the information has no way to decode it. This prohibition applies to the complete marketing transaction, including posting a charge to an account. However, it does not apply when you disclose an account number to your agent or service provider just to market your own products or services, as long as the party receiving the information ca n't directly initiate charges to the account. The exceptions in sections 313.14 and 313.15 of the Privacy Rule do not apply to the disclosure of account numbers for marketing purposes. For example, you may not obtain your customer 's consent to disclose her account number for marketing purposes. XXXX XXXX XXXX XXXX ( terms and conditions ).
Memorandum of law XXXX 2010 - The Student Loan Corporation announced that it has entered into a memorandum of understanding with plaintiffs ' counsel in connection with putative class action lawsuits filed in the XXXX Court for the State of Delaware and the Superior Court of the State of Connecticut in connection with ( i ) the Company 's merger agreement with XXXX XXXX XXXX and the merger contemplated thereby ; ( ii ) the Company 's agreement with SLM Corporation pursuant to which affiliates of XXXX XXXX will acquire from the Company certain securitized federal student loans and related assets ; and ( iii ) the Company 's agreement with Citibank, N.A., pursuant to which Citibank will acquire from the Company certain federal and private student loans and other assets. Under the terms of the memorandum, The Student Loan Corporation, the other named defendants, and the plaintiffs have agreed to settle the lawsuits, subject to court approval. The Company and the other defendants have agreed to settle the putative class action lawsuits in order to avoid the burden and expense of continued litigation. Pursuant to the terms of the memorandum, subject to the effectiveness of the DFS Merger and certain other customary conditions, including court approval of a final settlement agreement, in consideration for the full settlement and release of all defendants, the amount of {$2.00} cash per share will be distributed by Citibank to those persons who are the Company 's stockholders of record immediately prior to the effective time of the DFS Merger ( excluding Citibank, XXXX and their affiliates ). According to the complaint the plaintiff alleges that Student Loan Corp. majority owner Citigroup Inc. 's proposed {$600.00} million sale of the Student Loan Corp. to XXXX XXXX XXXX shortchanged minority shareholders by valuing shares at less than half SLC 's book value. Citigroup Inc. owns 80 percent of Student Loan Corp. On Friday, XXXX XXXX , 2010, The Student Loan Corporation ( XXXX : XXXX ), announced that The Student Loan Corporation and XXXX XXXX XXXX have entered into an agreement for XXXX XXXX XXXX to acquire The Student Loan Corporation , and thereby become the owner of its private student loan business as well as {$4.00} billon of its private student loans. Under the terms of the agreement shareholders of Student Loan Corporation will receive {$30.00} per XXXX share they hold. Separately and immediately prior to the transaction, XXXX XXXX will acquire from Student Loan Corp {$28.00} billion of securitized federal student loans and related assets and Citibank will acquire from Student Loan Corporation certain federal and private student loans and other assets totaling {$8.00} billion. The transaction has been approved by the SLC Board of Directors.
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| 07/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
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On XX/XX/2022 I received a text message from Citibank that they thought my credit card account may have had one or more fraudulent charges placed on our XXXX XXXX. We logged on to the Citibank website and went to the webpage where you can identify fraudulent charges. There were two fraudulent charges that we identified using the website. It told us that the card had to be immediately cancelled and we proceeded to call the phone number specified to get a replacement card issued. A support person helped us and told us that a new card would be mailed to us and that we would received it in 6 or 7 business days. She also gave us the new card number over the phone as well as the new expiration date and 3 digit code ( so that we could use this info to immediately update all the companies that do automatic charges to the credit card for various things ). This is where this issue should have ended.
45 minutes later we were notified by Citibank ( by text message ) that a new fraudulent charge had been placed on the new card number. We were confused because we had not given the number out to anyone yet. We called the Citibank phone number for dealing with fraud to find out why this had happened so that we could prevent it from happening again and to get another replacement card issued. The support person seemed confused by this and said that this does not happen very often. She told us that due to automatic controls in place, they could not issue us a new replacement card for 48 hours. We would have to call back.
I called the Citibank security and fraud phone number after 48 hours on XX/XX/2022 to get the replacement credit card issued. I was on the support call for over an hour and the support person kept putting me on hold over and over as if something was not right. Finally after at least 1 hr and 15 minutes on the phone they told us that we would have to wait another 48 hours to get a new replacement credit card number. I immediately asked to speak to a manager. When the manager came on the line I asked why this was happening and explained the inconvenience to us with not having the card available for our daily purchases as well as the possibility that automatic payments may start being charged to the account. The manager said that the lady that had helped me on XX/XX/2022 had made a mistake and did not unlink the old card from the new one. This had allowed a new fraudulent charge to trickle down from the old card number to the replacement card after the old card had been cancelled. In addition she said that she had made another mistake which resulted in us having to wait another 48 additional hours to get a replacement card number.
I called the Citibank security and fraud phone number once again after 48 more hours on XX/XX/2022. After I was on the support call talking to the agent for another 45 minutes she told me that they would mail us a new card and to expect it in 6 to 8 business days. She also told me that one automatic charge to the account had already been denied. I asked if she could give me the new card information over the phone so that I could make purchases in the mean time and also to update all the businesses that do automatic charges before any more denials happened. She told me she could not do this. She said the best she could do was to ship the card " overnight '' but it may not arrive for 1 to 2 business days. This would effectively be 3 days because tomorrow is XX/XX/XXXX which is a holiday. I then asked to speak to a manager. The manager was of no help. She just told me we would have to wait the 3 days for the card to be delivered and there are no other options.
I feel that CitiBank is being very unreasonable in how they are handling this issue. They are causing real trouble for me by making me wait a minimum of 7 days to get a new card number. We have been a loyal and good customer for years on this credit card. The security and fraud support team really let us down. The fraudulent charges are of course not Citibank ; s fault or my fault. Fortunately they have a way to efficiently handle this. Nevertheless, the mistakes made while issuing us the first replacement card were made by the Citibank support team employee, yet they are punishing us for the problem by making us wait day after day for a new card. At this point I am not confident that I will even receive a replacement card. I am in limbo not knowing what to do. My only recourse right now is to file this complaint. In this amount of time there will be more denials of payment for automatic payments. This issue has already caused me to take several hours to try to get this issue resolved and it will take several more to clean up the damage it has caused.
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| 01/05/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX IA charged me twice on my CitiCard for {$570.00} XX/XX/XXXX - reported duplicate transaction of {$570.00} to Citicard and I was given a temporary credit on my account ( Case # XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of the {$570.00} back to CitiCard XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA sent the other {$570.00} back to CitiCard due to the duplicate transaction dispute XX/XX/XXXX I paid full balance of my XX/XX/XXXX CitiCard statement which included the {$570.00} amount that XXXX XXXX should have received XX/XX/XXXX I received email notice from Citi that the duplicate transaction was resolved and I was given a permanent credit on my CitiCard account for the {$570.00} amount.
XX/XX/XXXX - I checked my XXXX XXXX account and it didnt show the {$570.00} payment from my CitiCard account. I contacted XXXX XXXX and they stated that I needed to show proof of payment.
So I sent them my XX/XX/XXXX statement ( showing the duplication transaction and temporary credit ) and my XX/XX/XXXX statement showing my full payment of the XX/XX/XXXX balance.
XX/XX/XXXX XX/XX/XXXX talked to Citi and XXXX XXXX about this {$570.00} amount multiple times.
XX/XX/XXXX, found out from XXXX XXXX billing supervisor that on : XX/XX/XXXX at XXXX XXXX XXXX sent Citi back one of the {$570.00} amounts XX/XX/XXXX at XXXX XXXX XXXX sent back the other {$570.00} amount This is why the {$570.00} amount wasnt being recognized as being paid to XXXX XXXX even though I had paid Citi this {$570.00} with my XXXX statement payment.
XX/XX/XXXX I opened another dispute via postal mail with Citi regarding this duplicate transaction/missing payment to merchant ( XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} on XX/XX/XXXX which Citi replied was resolved but was treated like the duplicate transaction response from Citi instead of the missing payment dispute I was trying to get resolved with this XX/XX/XXXX dispute request.
Citi sent me an email on XX/XX/XXXX referencing Case # XXXX which was the duplicate transaction case #, not a new dispute case # for the missing payment to XXXX XXXX XXXX
XXXX XXXX XXXX still didnt acknowledge that they received this amount from Citi XXXX
XX/XX/XXXX - I opened another dispute with Citi regarding this missing payment to merchant XXXX XXXX XXXX XXXX XXXX ) of {$570.00} on XX/XX/XXXX since Citi didnt handle the XX/XX/XXXX dispute request correctly.
XX/XX/XXXX - I sent another dispute request to Citi regarding this missing payment to merchant XXXX XXXX XXXX XXXX XXXX ) of {$570.00} on XX/XX/XXXX since I didnt receive any correspondence from Citi XXXX they received my XX/XX/XXXX dispute request.
XX/XX/XXXX I received email from Citi regarding additional information was needed regarding my dispute request for the {$570.00} with XXXX XXXX XXXX XXXX from XX/XX/XXXX. I checked my balance at XXXX XXXX before I responded to this email from Citi and that is when I discovered that there was a CC charge back on my XXXX XXXX XXXX account from XX/XX/XXXX of the {$570.00} ; I assumed that Citi figured out that they still needed to give XXXX XXXX XXXX the {$570.00} that I paid Citi with my XX/XX/XXXX statement payment, that Citi had addressed my XX/XX/XXXX or XX/XX/XXXX missing payment to merchant dispute requests. So my response to this additional information request was This was resolved on XX/XX/XXXX. No other action is needed. This email from CitiCard had case id XXXX.
XX/XX/XXXX & XX/XX/XXXX I received an email from Citi stating that since I accepted responsibility for the {$570.00} dispute with XXXX XXXX XXXX XXXX and the dispute was closed. And that Citi would be putting the {$570.00} amount back on my Citi account as being owed and would start collecting interest.
XX/XX/XXXX Verified with XXXX XXXX that Citi sent the {$570.00} payment to them on XX/XX/XXXX, which occurred at XXXX as a credit card back debit. Which again is the amount I paid to Citi to pay XXXX XXXX with my XXXX statement balance.
XX/XX/XXXX I sent an email response to Citicard regarding their email responses from XX/XX/XXXX & XX/XX/XXXX that I didnt owe CitiCard anything and that my balance should remain XXXX.
XXXX XXXX XXXX should continue to have the {$570.00} payment. I also expect a written confirmation from CitiCard that my balance is XXXX and that the {$570.00} wasnt going back into my balance to earn interest ; and XXXX XXXX would retain the {$570.00} paid to them ; and that this missing payment to merchant and duplicate transaction dispute is resolved. I requested a response back from CitiCard by XX/XX/XXXX or I was going to file a complaint with Consumer Financial Protection Bureau to get this resolved.
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| 01/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My husband and I had to file bankruptcy and included our mortgage into the bankruptcy on XX/XX/XXXX. At that time we were approved for a loan modification trial through CitiMortgage. All payments were paid through the trustee. The initial paperwork we sent back to CitiMortgage was rejected due to not having the signatures verified by a notary. Additional paperwork was sent out and upon receiving my husband and I immediately had our signatures notarized and the paperwork sent back. During this process all information between the mortgage company and ourselves was through our bankruptcy attorney. On XX/XX/XXXX the attorney filed a motion to modify secured debt. It was approved on XX/XX/XXXXwithout any objection from CitiMortgage before, on, or following that court decision.
Our payments were XXXX at 4.5 % The trustee continued to make payments monthly on our behave until the close of our bankruptcy in XX/XX/XXXX.
Since the attempt to close the account CitiMortgage filed a postpetition default payments. They stated that we still owed XXXX As the homeowners we were not aware of this issue until XX/XX/XXXX when we were sent to a single point of contact person and had to give permission through our attorney to discuss our mortgage. From XX/XX/XXXX on we had been making payments of {$2000.00} through the bankruptcy department at CitiMortgage. Our payment amount was {$1900.00} which we had to pay through the bankruptcy department according to CitiMortgage. I had attempted several times to begin automatic payments which were set by the customer service person at CitiMortgage but never began. I would also like to state that until XX/XX/XXXX CitiMortgage had never contacted our attorney, ourselves or the court about the change in the status of our loan.
Finally in XX/XX/XXXX my first single point contact person had received the permission to talk to us. It was at this time we were told that the notarized signature pages had never been received and therefore our loan modification had not gone through. He insisted we needed to apply for another loan modification in order to get our account corrected. This process did not seem right but we had no other choice than to follow through with the loan modification process. After dealing with our first contact person for a month and a half we were given a new contact person.
When I called in to make the XX/XX/XXXX payment I was told that we are in foreclosure and can no-longer make payments! I was floored and demanded an explanation as we have been making monthly payments since XX/XX/XXXX. They explained that I have n't made a payment in 180 days. After I corrected them and had them look at our payment history she stated it was because we had not made any payment towards the XXXX dollars owed. Our foreclosure had been frozen until after the bankruptcy and was now being applied again. The customer service lady also stated that the payments we have been making were not applied to the account but could not say where the payment money had been used.
We have been given a new point of as of XX/XX/XXXX. I told her of the court documents we have showing the temporary modification had been changed to a secured debt without objection from CitiMortgage. It was only after the bankruptcy had finished that they stated we had not paid the full prepetition payment. Our attorney, along with the Chapter XXXX trustee provided proof that all payments had been made and totaled {$60000.00} We are currently awaiting a copy of our payment history from CitiMortage. Our new point of contact person is " looking '' into the loss of our paperwork from XX/XX/XXXX while our loan modification has been but on the fast track. We continue to give all requested paperwork for the loan modification.
All the things we are going through are the issues CitiMortgage had faced a lawsuit against. In fact during this process we received {$400.00} settlement payment as we were shown to have been affected by there actions. The problem is we are still facing issues due to their fraudulent actions in XX/XX/XXXX-XX/XX/XXXX.
Issues we are currently facing due to their actions in XX/XX/XXXX-XX/XX/XXXX : CitiMortgage claims paperwork was never recieved CitiMortgage claims payments have not been recieved CitiMortgage wrongly placing us in foreclosure and damaging our credit CitiMortgage not explaining that we were being placed in foreclosure.
CitiMortgage constantly changing our contact person CitiMortgage repetitively asking for the same paperwork or explanations during loan modification process CitiMortgage insisting that we have to do another loan modification even though we continue to make payments above the asked amount.
Please Help!!
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| 04/24/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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XX/XX/XXXX Received Warning letter from XXXX XXXX XXXX ( XXXX ) XXXX I don't remember if this is where we got the name XXXX XXXX, but he gave me his direct phone number. XXXX. When I called it later, his answering machine picks up and says he's XXXX XXXX of XXXXXXXX XXXX. In early XX/XX/XXXX, I called XXXX XXXX ( XXXX ) and we spoke at length about what he could for us. He said if we followed his Credit Card Modification Program we would be debt free in 3-4 years. He said his team would be able renegotiate with our creditors and obtain a reduction of our credit card debt of at least thirty five percent. XXXX XXXX said that our Program will require that we make monthly payments of {$780.00} for forty-eight months into an FDIC insured account and that no one can get into the account without our approval. He said there would be zero interest due on the amount negotiated. I would make the payment in two bi-monthly payments of {$390.00} on the XXXX and XXXX of each month. The payment would be made automatically to XXXX XXXX XXXX through a automatic payment service from our bank. He then said " Do not make any more payments to the creditors in our Program. He said there was a {$900.00} retainer fee due over the next eight months. Additionally there is a fifteen percent service cost and an {$89.00} legal administration fee that is built into the payment. There was also a {$10.00} monthly fee to maintain an account at XXXX XXXXXXXX XXXX. He also said that I may receive phone calls from creditors during the first couple of months. I will also be contacted by XXXX XXXX from the XXXX XXXX about secured and unsecured credit and by XXXX XXXX XXXX. He said that representation will begin as soon as the papers are signed. On XX/XX/XXXX, we signed the papers in front of a notary public at our home that XXXX provided. We made our first payment on XX/XX/XXXX via the bank draft program set up at our bank. We made all of the payments when due. On XX/XX/XXXX XXXX from XXXX called and advised us that XXXX XXXX, one of our creditors, had accepted a negotiated settlement offer. They would accept {$1700.00} instead of the {$3400.00}. We thought great! But on XX/XX/XXXX, she called back to say we had to make additional payments of {$350.00} for the months of XX/XX/XXXX and XX/XX/XXXX. I told her that I couldn't and I could barely afford to pay the {$780.00} that I was paying now. On XXXX XXXX XXXX from XXXX called and said that a third party law firm had filed a law suit against us. On XX/XX/XXXX, XXXX from XXXX called and said XXXX XXXX had settled for {$1700.00} and that they had negotiated a settlement with XXXX XXXX XXXX for {$19000.00} and we will have to pay an additional $ 400.- {$500.00} per month. I told her that there's no way I could pay that like I told them before. We could barely pay the {$780.00} for our Program. We spoke to our parents in early XX/XX/XXXX who told us that it sounded a lot like a scam operation and we shouldn't pay them any more money. On XX/XX/XXXX, I called my bank and stopped the automatic payments. On XX/XX/XXXX and XX/XX/XXXX we received an email from XXXX advising me that my draft checks for XXXX and XXXX had been returned by the bank NSF. Non Sufficient Funds On XX/XX/XXXX, we sent an email request to XXXX XXXX XXXX to close our account and refund the the money in our account. After signing and returning some forms, on XX/XX/XXXX we received a check for {$1000.00}. On XX/XX/XXXX, we called XXXX to cancel my contract and get a refund. XXXX asked if it would help if she adjusted my monthly draft amount. I asked adjust how much of an adjustment she could do. She said she would check into it and call me back in 24-48 hours. On XX/XX/XXXX, I had received no call back, only an email acknowledging my cancelation emaiL, so I called and left a message again. Receiving no response, on XX/XX/XXXX, I called and left message again. XXXX called back and said that she had refunded {$1000.00}. When I asked about a statement of account she gave me this web address and account number : XXXX XXXX, telephone number : XXXX, and XXXX. She never discussed an adjustment like she said. I tried to login quite a few times, but website doesnt work. I called the next day and left message. I sent email the next day, XX/XX/XXXX and received response that they will send the statement via USPS. On XX/XX/XXXX, I was so frustrated that I looked around the Internet and found a company with the same name and emailed them my dilemma. One of the attorneys for that company sent emails confirming that they are the same, but a separate company and he will get a message to them. I have included the emails with this complaint. I finally received a statement.
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| 10/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Older American, Servicemember |
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Citi Bank XXXX Costco Card Note, I try to use the card Three times after being told that the situation was fixed.
I answered, the company did not give me the information because they actually gave me three different reasons for the decline, none of which were satisfactory. The lady XXXX, mentioned below, was going to give me perhaps a fourth reason for the decline, To which I replied that I wanted it in writing. She refused, and thats why I decided to come to you people as my last resort.
XX/XX/XXXX, submitted application and credit card payment to XXXX XXXX XXXX for a travel visa, submission payment declined for incorrect information. Spoke with supervisor who tried to correct the system. She thought the air might be the last XXXX digits of a XXXX digit ZIP Code so she removed the last XXXX digits. She Try to help and said they would send me a letter of explanation that I was indeed, correct And shouldnt have any more problems with the card.
XX/XX/XXXX, Didnt receive the letter, submitted payment to the XXXX XXXX XXXX XXXX submission declined. Spoke with supervisor who refused to accept my information. Supervisor, decline to send me a letter until I threatened to go to the sponsoring company, Costco, and raise XXXX at which time they said he would submit explanation letter explaining what happened to me. Again, never received it. Of course, I tried to use the card again assuming he had double checked everything.
I never got the letter from either supervisor so I called back again, I believe it was on the XXXX XXXX I was told that the recipient of the credit charge, XXXX, kept refusing it, because of incorrect information. Supposedly, it was XXXX fault.
This was not my error as I double checked my card number, expiration date and three digit code each time I attempted to make a charge. I am old but not stupid.
To clarify, I was dealing with the XXXX XXXX XXXX in Washington DC NOT a travel agent, for the purpose of acquiring a visa to travel, XXXX is one of the largest banks in XXXX. As an aside, since XXXX to now, my statements showI had spent {$14000.00} using this same credit card. The fee for the XXXX XXXX was {$40.00}.
Im not gon na get into the gory details, but I can tell you that after a minimum five+ hours of conversation With supervisors from Citi Bank , I was frustrated. I had heard XXXX different stories on why the charge did not go through, relying on all of them and resubmitting my card. I had spoken with XXXX XXXX at the XXXX XXXX XXXX visa section and told her of my difficulties. Finally, on the fourth day, I pulled out another credit card, which of course went through and also canceled the above numbered card and ask for a brand new one with new numbers, new expiration dates and new information. The person I spoke with on my reorder I believe was named XXXX, a lady, who was very cooperative And helpful. As for the two supervisors that was supposed to be helping me, I thought I was speaking to robots, smug robots at that.
My last conversation with Citi Bank was this afternoon when an additional supervisor name, XXXX called me. She wanted to explain the whole thing however, in our last conversation, I was under the impression that I would get something in writing. I told her that the time for verbal explanations was long past and she had intimated I would get something in writing. The situation had progressed from just a mistake on a credit card by whomever to one of broken promises and bullying. I told her that if she wanted to explain what it happened, to please send it to me in writing, and she said she could not send anything in writing. Thats when I told her that I had to spend a minimum of five hours and probably a lot more hearing several different stories and then if she could not give me something, As intimated in our last conversation, that I had no time for her.
The word that most applies in my mind to the way I have been treated by this massive financial institution is abusive.
Costco appears to have done everything they could for me, all Im asking for is a real explanation in writing as to what occurred so that I can send it to the wrong XXXX XXXX, so they will understand why my credit card was turned down three times in a row. This has been a hardship and a personal embarrassment. I am a XXXX XXXX, having had XXXX XXXX XXXX of last year, and several years ago, I was opened up for a XXXX XXXX.
I own a condo, and automobile, a motor scooter, and XXXX bank accounts in XXXX. My reputation is important, although apparently not to the nice folks at Citi Bank.
Ive tried everything else, perhaps your agency can wake these people up.
I have since received a new card with a new number XXXX
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| 11/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Citibank is not reimbursing me for a fraudulent charge which took place on XXXX XX/XX/XXXX in the amount of {$330.00} under vendor XXXX XXXX XXXX. Here is the brief history : On XXXX XX/XX/XXXX I identified two fraudulent charges on my credit card and reported them immediately. The first charge was " posted '' at the time, and I was immediately refunded by Citibank for the charge while they investigated. The second charge was " pending '', and unfortunately Citibank has still not refunded me for it. Hence the reason for filing this complaint.
I contacted Citibank repeatedly since XXXX XXXX, and can extract my phone records to support the many calls. Below are notes from some of the later conversations, as my concern grew that Citibank was not setup to handle fraudulent charges that are reporting when " pending ''. Note that at first I was told they would not allow the pending charge to go through. Then I was told they must let pending charges go through, as they can't stop a pending charge. Then I was told multiple stories about when/how I would get reimbursed for the fraudulent charge.
XXXX XX/XX/XXXX : Citibank rep said the dispute was filed incorrectly by previous Citibank rep. Needed to access previous credit card and dispute there, not on new card. They tried multiple times and were not successful because its under wrong card number. Went back to old card number. Transaction posted there. Will tag this as fraud on old card. This will automatically be sent to fraud department for further investigation. Will expect security credit in next 5-7 business days. Dispute Department is : XXXX XXXX XXXX. Should be taken care of by Security Services Department XXXX XXXX XXXX On XX/XX/XXXX I was told to call Security Fraud Ops at XXXX. Rep sees credit manually issued by team on XXXX XXXX, takes 3-5 days for it to appear in my account. So I should start calling again on Friday, XXXX XXXX, if it doesn't hit my account then.
On XXXX XXXX rep indicated that the credit will process when my next statement is issued, which will be XXXX XXXX.
On XX/XX/XXXX called correct department but was routed to Disputes department because the Security Fraud Ops department is closed on weekends, and only available weekdays. It is unknown if they are working on Monday since it's a holiday, so I should call back XXXX again XXXX on Tuesday to ask about the fraud situation. The business hours : M-F XXXX EST.
On XX/XX/XXXX I called 4 times but the system kept hanging up on me.
On XXXX XXXX I was told they don't know why the credit didn't post, and to check my " online statement '' in 3-5 business days, and that I should see the credit.
On XXXX XXXX, I was told that it will take 1-2 billing cycles for the credit to post ( so now it's not the 3-5 business days, or the 5-7 business days, or the next billing cycle, but rather it's 1-2 billing cycles ). And then I was told that I need to talk to customer service and not the XXXX XXXX XXXX dept, even though up to this point the only thing Citibank representatives could eventually agree on was that I should be talking to Security Services Department. Asked to speak with a supervisor. Was told I would get call back within 3 days. Never received callback.
On XXXX XX/XX/XXXX, I was told they don't know why the supervisor didn't call me back, and that per the notes I should wait 1-2 billing cycles to get the credit issued on XXXX XXXX. Upon further investigation, it was noted the previous representative did not correctly handle the supervisor callback request, and that is why I did not receive a callback. I spent 25 minutes on the hold but was told the rep was having IT issues and couldn't get through to the supervisor line. I was told that callbacks are not within 3 days, but will take place within the next 6 business hours, and that this time I will get a callback.
Given that I have been interacting with Citibank since XXXX XXXX on this matter, and given that nothing the reps have told me has been true, I believe that Citibank has a technical flaw where it is incapable of reimbursing a customer for fraud reported when the charge is still pending. It appears I am not supposed to report fraud timely, or I will not get reimbursed for it. I don't think they mean to not reimburse me, since I have been told multiple times the credit was approved on XXXX XX/XX/XXXX, but unfortunately intent to issue a credit is not the same as having the ability to issue a credit.
I no longer see how to resolve this issue when Citibank reps don't know how the process works, supervisors are inexplicably unavailable, the system can't issue the credit, and I am in my third month of calling with no forward progress.
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| 12/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is a response to Complaint XXXX with CFPB. Whoever has responded to this complaint has stated in their letter that they've provided me with a copy of this application. This is FALSE & FRAUD. I've never seen this document & has never been provided any documents that has my signature. This is NOT MY SIGNATURE NOR IS IT MY NAME on my Government Issued Identification. This was done by the employee who works at the Best Buy store located in XXXX, IL.
I was prompted to put my SSN into the Keypad on the desk in front of me. The employee had my State ID government issued card ( VALID ) in his hand & possession on XX/XX/XXXX. Whoever has responded to this Claim with CFPB has stated the account is no longer reporting on my Credit file. This is a BLATANT LIE! The letter to the ATTORNEY GENERAL on XX/XX/XXXX is about my XXXX Credit file & report ONLY which doesn't include XXXX and XXXX. On XX/XX/XXXX in my XXXX Credit File & Report it shows the account name as BEST BUY/CBNA being UPDATED and the account being CLOSED ON XX/XX/XXXX. WHY is the Account being shown as UPDATED 3 MONTHS AFTER THE ACCOUNT WAS CLOSED but NOT being shown as Closed on the date I closed it??? This is also FRAUD because the account I closed was on XX/XX/XXXX. I never closed the account on XX/XX/XXXXXXXX as it is shown in XXXX on XX/XX/XXXX. I paid the account Balance in FULL on XX/XX/XXXX but didn't close the account until XX/XX/XXXX. The only Company that shows on this FALSE Application provided by the scammer is BEST BUY. There is NO CBNA attached or the name CITIBANK as it is shown in my Credit Files & Credit Reports. There is also a Soft Inquiry XX/XX/XXXXXXXX ( day after XX/XX/XXXX Inquiry ) shown on my Credit File. I find this suspicious as the Soft Inquiry read " BEST BUY/CBNA '' which shows the CBNA was added after XX/XX/XXXX Inquiry which is the ONLY Inquiry I acknowledge. There is a " Business Account '' telephone number added as my primary number. WHY has my contact number showing in the BUSINESS ACCOUNT Section? I never applied for a Business Account with Best Buy or any affiliated company with Citibank ever. The application is EXTREMELY BLANK & EMPTY to be considered a legitimate application for an Open Line Of Credit with Citibank. The account has been reported by the internal thieves as a BEST BUY/CBNA separately and a CBNA too . The Soft Inquiry made by XXXXBEST BUY on XX/XX/XXXX in XXXX is connected to Best Buy who has denied this to CFPB in my claim. The name on the application of the Claim provided to CFPB was added as an " AKA '' to XXXX and XXXX. This is NOT MY NAME nor is it my is this my SIGNATURE on this application. CBNA is NOT the ACRONYM that should show with Best Buy when making a Hard Inquiry from South Dakota. Someone by the name of XXXX XXXX from XXXX has his signature on the XX/XX/XXXX response. I have a CBNA account reported to XXXX as XXXX XXXX XXXX XXXX XXXX XXXX, IL but has since been removed only to report address XXXX XXXX XXXX XXXXXXXX XXXX, SD which is a Fraudulent address. I have documents showing CBNA/BBY was a HARD PULL on XX/XX/XXXXXXXX in my Credit File which is a FRADULENT DATE & FRAUDULENT INQUIRY along with a XX/XX/XXXXXXXX Hard Inquiry. Also the names related to anything of Citibank is COMPLETELY FRAUDULENT. The name CBNA is actually an Acronym which stands for " CREDIT BUREAU NORTH AMERICA '' Not " Citibank North America ''. The persons who've reported various Account, Account numbers, Account names, Account locations, Account Inquiries, Account Dated of openings and Closings as more than one has violated Federal Laws. They are aware of this and has gone through extremes to cover their lies. My personal information has been used against me by whoever is constantly reporting to the credit bureaus and is COMPROMISED now to fall into the hands of Future Thieves that is Privy to my personal info. My credit file has accounts that's been opened and closed within 30 days by the INTERNAL Employees who are thieves. This is not only a BEST BUY Store Card account made to look like a Citibank Open Line Credit Card Account but also made to look like a XXXX LEASING ACCOUNT with BEST BUY in XXXX XXXX under the FALSE Soft Inquiry done on XX/XX/XXXXXXXX named " XXXXBEST BUY '' which they've LIED to say this isn't their Soft Inquiry. Best Buy is the only company I've applied for Store Card ( not a XXXXXXXX XXXX XXXX which is an open line of credit ) in over 11 years or more. My credit file has fraudulent accounts & I CAN pin point the thieves. It is the Best Buy employee & the Executive Branch Supervisor. I do know whoever the employee called on the store phone is the scammer working with each Best Buy employees.
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| 05/13/2022 |
Yes |
- Checking or savings account
- Savings account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I'm a victim of impersonation / wire fraud in my savings / checking account through Citibank. On XX/XX/22 my phone was hacked into, so I couldn't make or receive calls during the time the wire fraud occurred. A Citibank representative contacted me and left a voicemail ( I never received the call or voicemail until a day later, since I couldn't use my phone ). I went into XXXX to see if they could figure out why my phone wasn't working, so they ended up changing my SIM card. Citibank allowed the impersonator to do a mobile wire transfer of my entire savings account. I found out that you must be present in person at a bank to wire money, so it's illegal on Citibank 's part for this to occur. I filed a police report, and an affidavit, as well as taking all of the necessary steps that were needed. I contacted Citibank multiple times through their Fraud Department, but they refused to ever give me a personal representative to work with. I've made multiple claims ( including this one ), and even had XXXX send me a letter stating that my phone was compromised and I didn't authorize any of my money to be taken out of my savings account through a wire. {$26000.00} was stolen on me through a hacker, and Citibank is treating me like the criminal.
Fast forward to XX/XX/22, I received a letter from Citibank denying me my money. It was a basic generic letter with only a toll free number to contact. The letter stated, " You did not take adequate steps to safeguard your account. This failure compromised the security of your account information and directly contributed to allowing the transactions in question to take place. '' I have currently received five denials of my savings account with Citibank, and they're well aware that this was SIM Card Swap, but are refusing me of my hard earned {$26000.00}, which they're required to through Regulation E.
Citibank has failed to take responsibility for their actions of allowing a mobile wire transfer from an imposter through my account, as well as dismissing me every time I tried contacting the fraud department, and not allowing me to work with a physical representative on this case.
Best, XXXX XXXX The first thing I noticed was that my phone stopped working, which according to my emails was XXXX ( from XXXX that my equipment was changed ), so after that I didnt have access to using my phone to make or receive any calls. The hacker changed my SIM card so I couldnt make or receive these calls. Exactly 40 mins later, Citibank allowed this person to add themselves as a Payee to my account at XXXX. At XXXX I received an email from Citibank stating Let us know immediately if you, or anyone you authorized, used your Citibank Checking account ending in XXXX for the activity noted below. You may not be able to make transactions on your account until we hear back from you. I had no way of seeing these emails since I didnt have service on my phone. At XXXX was when Citibank took the hold off of my account and let the wire transfer go through.
XXXX left the voicemail at XXXX. Six mins after the hold on the wire transfer was removed, so that was when the wire transfer went through.
Timeline of Events : The event occurred on XX/XX/22, but didnt know about the fraud until XX/XX/22 1. At XXXX XXXX sent me an email stating that my equipment had changed ( thought it was spam ) 2. My phone stopped working, so I didnt have any service.
3. I waited about 20 mins and I went into XXXX located at XXXX XXXX XXXX, XXXX, NY XXXX XXXX They didnt know why my phone wasnt working, so they took my Sim Card out, and put a new one in.
XXXX. At XXXX a Payee ( XXXX XXXX ) was added to my Citibank XXXX ( but I couldnt see this email since I couldnt use my phone ).
XXXX. At XXXX Citibank sent me an email stating, Let us know immediately if you, or anyone you authorized, used your Citibank Checking account ending in XXXX for the activity noted below. You may not be able to make transactions on your account until we hear back from you. Once again I couldnt access this because my phone still wasnt working.
XXXX. At XXXX Citibank took the hold off of my account, according to my emails and thats when the money was wired out of my savings account, placed into my checking, and wiped out of the checking account. I still didnt have access to using my phone, so I didnt know this was going on.
XXXX. My phone still didnt have full access to everything on my phone, so it wasnt until XX/XX/22 that I received the Voicemail from a woman at Citibank named XXXX stating that there might be fraud. It turns out that at XXXX on XX/XX/22 she had left me this voicemail. This was already 6 mins after the wire transfer went through!!!
|
| 05/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
Servicemember |
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Citi st aff provided me incorrect information, inducing me to make purchases on my card I would not otherwise have made. A fair resolution of this request would be to credit an additional {$380.00} in Dividend Dollars to my card, as detailed below. On XXXX XXXX , XXXX , I received an email to sign up for my quarterly bonus to earn 5 % cash back at the Home Depot and furniture stores from XXXX through XXXX XXXX ; I signed up immediately. I then called and used the online chat twice to ask Citi t he following questions about rewards. First, I asked if authorized users could receive reward benefits, and I was told authorized users could, indeed, earn award benefits for their purchases on my card. Second, I asked if the 5 % reward bonus purchases were subject to the {$300.00} annual Dividend Dollar limit, or if that limit applied only to purchases under the standard 1 % rate. I was told that that the 5 % quarterly bonus was NOT subject to the {$300.00} annual limit. ( That is, purchases of items within the 5 % quarterly bonus categories could earn more than {$300.00} Dividend Dollars per year. ) I thus charged {$5800.00}, {$6100.00}, and {$450.00} at furniture stores during the award period. I noticed when I received my XXXX statement that I had {$330.00} in available rewards, representing ( I deduced ) roughly {$30.00} from the prior year and {$300.00} from this year. On XXXX XXXX , XXXX , I called Citicards to enquire why I did not receive the 5 % bonus for the entire {$12000.00}. The first person I spoke with said that the 5 % bonus was subject to the {$300.00} limit, but I was transferred to a supervisor who assured me that the entire purchase was eligible for the 5 % bonus. The supervisor offered to open a dispute and stated I would get written confirmation of this dispute, and that it should be resolved in 5-7 business days. The phone call took over 23 minutes. I called back on XXXX XXXX , XXXX , and was told that the dispute was still ongoing, but I received a {$10.00} statement credit for the delay. I called back again on XXXX XXXX , XXXX , and spoke to XXXX , who also told me he could find no record of a dispute ( I had never received written confirmation ). He said he would open an investigation, and that I should call back i n 3-5 busi ness days. I called again on XXXX XXXX , XXXX , and spoke to XXXX , a supervisor who was based out of the Kentucky office, who told me it was not yet resolved despite being over XXXX month since my initial phone call. At least one of the individuals on the XXXX conference calls also confirmed that the entire purchase should be eligible for the bonus. This weekend, I received a letter, dated XXXX XXXX , XXXX , stating that the 5 % quarterly bonus is limited to {$300.00} per year. While I appreciate finally receiving written correspondence, this was an unacceptable answer. At least three different Citi s taff members told me that there was no limit to the amount of Dividend Dollars that could be awarded due to the quarterly bonus. Had I known there was a limitation, I never would have charged the second and third furniture purchases of {$6100.00} or {$450.00} on my Citi card. I have other credit cards that would have provided cash back at rates better than 1 % but not reaching 5 %, so there was no reason to make these purchases on my Citi card to earn {$0.00} in rewards. Since my purchases were made based on possibly erroneous information from your staff, which was then confirmed by two other staff members, I sent Citi a letter ( and fax ) requesting the additional Dividend Dollars I should have earned, which I calculate as {$380.00}. I understand I will not receive further Dividend Dollars this year. ( Calculations to arrive at {$380.00} : I spent {$160.00} in XXXX , earning {$1.00} in Dividend Dollars. I thus assume that of the {$300.00} I earned this year, that $ XXXX {$1.00} = {$290.00} was from the furniture, which was my next purchase. The amount I believe I should receive from the quarterly bonus is {$12000.00} XXXX 5 % = {$620.00}. $ XXXX {$290.00} = {$320.00}, the amount of Dividend dollars that I am owed. ) I received a letter back stating only " Thank you for contacting our Customer Service Team. The yearly cap of {$300.00} was met on XXXX / XXXX / XXXX . We are unable to award any reward dollars once the yearly cap has been met. '' This is not an acceptable response ; it does not address the multiple employees who provided different information. An acceptable response would be the issuing of reward dollars or a statement credit. ( The latter was proposed by XXXX in XXXX . )
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| 03/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I am using XXXX XXXX VISA Card by Citi since last year. I purchased one ticket from XXXX XXXX XXXX ( Merchant name : XXXX XXXX XXXX ) on XX/XX/XXXX to travel on XX/XX/XXXX ( e-Ticket : XXXX, BOOKING REFERENCE : XXXX ). Price was {$1000.00}. Airlines charged me twice ( {$1000.00} each ) for the same ticket. Both of these charges are on my XX/XX/XXXX statement. So, I disputed one charge of {$1000.00} ( Dispute ID XXXX ) on XX/XX/XXXX. This dispute was resolved in my favor on XX/XX/XXXX ( One payment of double charged for the same ticket ). Citi gave me permanent credit of {$1000.00} for XXXX. It is on XX/XX/XXXX statement.
On XX/XX/XXXX, XXXX XXXX XXXX sent me an email stating the ticket ( e-Ticket : XXXX, BOOKING REFERENCE : XXXX ) was suspended because of refusal of the card holder. Here is airlines email response : We regret to inform you that for a payment refusal of the card holder, your ticketXXXX flying fromXXXX XXXX VIA XXXX toXXXX purchased onXX/XX/XXXX can not be continually used. Because of this reason, I have opened another dispute on XX/XX/XXXX ( dispute id XXXX ) for the remaining payment ( the another payment of double charged ) of {$1000.00} as Airlines suspended my ticket and I can not use it anymore. I sent Citi all the relevant emails from Airlines and document they asked for. Citi gave me {$1000.00} temporary credit for the dispute XXXX. This temporary credit is on my XX/XX/XXXX statement.
On XX/XX/XXXX, I received a notice from Citi, that they closed investigation of Dispute ID : XXXX as airlines mentioned that ticket was already been used. Which was totally wrong information as my ticket was purchased to travel on XX/XX/XXXX. Also, Citi has reversed my temporary credit of {$1000.00}. Then, I reopened the dispute XXXX on XX/XX/XXXX with additional documents. So I received again a temporary credit of {$1000.00}. Both of these transactions are on XX/XX/XXXX statement.
On XX/XX/XXXX, I received a notice from Citi, that dispute XXXX is resolved in my favor. Here is the message from Citi : The conditional credit ( s ) of {$1000.00} on your XX/XX/XXXX statement is now permanent. The merchant or merchant 's bank has accepted this charge. But, on XX/XX/XXXX statement, I see reverse charge of {$1000.00} although the dispute was resolved in my favor. One of the customer service representatives mentioned ( on XX/XX/XXXX ) that investigator resolved the case, but forgot to give me the credit of {$1000.00}. So, she put note for auditors to looked into the issue. Representative mentioned that I will receive an update within one week. But, now it is more than 2 weeks, still no update from Citi. I called Citi few more times, but no update. Moreover, I could not talk to any investigator/auditor from Citi. Customer representatives mentioned, investigator/auditor does not talk to customers.
Since XX/XX/XXXX, I have talked to Citi Customer service center and Citi Dispute department for more than 100 times and spends many many hours to resolve this issue. But, sometimes they dont understand and dont want to resolve the issue. I have credit card from many different companies. But, never had this kind of issue with any other credit card companies.
I need my {$1000.00} credit back from Citi credit card as soon as possible. The dispute XXXX got resolved in my favor, but I did not get any credit for this dispute ( they gave me temporary credit on XX/XX/XXXX statement then reversed on XX/XX/XXXX statement. Again gave me temporary credit on XX/XX/XXXX statement then reversed on XX/XX/XXXX statement ). Also, I need credit for the number of hours I needed to spent with them to resolve the issue ( Although the issue is still not resolved ). Also, I want government should do something so that they can not cheat with any other customers. They are cheating with many customers like me. Also, {$1000.00} charge is on my XX/XX/XXXX statement. I am not going to pay this money. My due date is XX/XX/XXXX. I will not accept any interest on this {$1000.00} charge until I get a resolution.
- In XX/XX/XXXX statement, I have two charges of {$1000.00} each for the single ticket ( e-Ticket : XXXX ( BOOKING REFERENCE : XXXX ) ) - In XX/XX/XXXX statement, I have two credits of {$1000.00} each ( one permanent credit of Dispute ID XXXX and one temporary credit for Dispute ID : XXXX ).
- In XX/XX/XXXX statement, I have one reverse credit of {$1000.00} ( as Dispute ID XXXX was not in my favor as of XX/XX/XXXX ), one temporary credit of {$1000.00} ( due to reopen my Dispute ID XXXX ) - In XX/XX/XXXX statement, I have one charge of {$1000.00} ( Citi reversed my temporary credit although dispute XXXX was resolved in my favor ).
|
| 01/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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Web |
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In XX/XX/XXXX I spoke with the Citi ThankYou Preferred Internal Recovery unit for settlement on my account ending in XXXX. Citibank informed me that the settlement amount was {$5000.00} and had to be paid within 30 days.
XX/XX/XXXX-I sent check # XXXX for {$5000.00} on XX/XX/XXXX which was within the 30 days and paid off the settlement. I continue to receive statements on the settled account. The XX/XX/XXXX balance on the account is {$3000.00}.
XX/XX/XXXX-I contacted Citibank and was told that the account would reflect a zero balance on the statement in the 1st or 2nd week in XX/XX/XXXX.
XX/XX/XXXX @ XXXX I contacted Citibank regarding the settled debt. First I received a message that they were closed and to call back. I called back again the phone number rings then disconnects automatically. At XXXX I called XXXX XXXX of the Citibank Executive Response Unit at XXXX XXXX and was transferred to the Internal Recovery Unit. I was told by the Agent that the remaining balance was to be waived off with manager approval and they would send me a letter of confirmation.
* When I spoke with the Agent on XX/XX/XXXX at XXXX, I was told that I called and was disconnected on XX/XX/XXXX, and that I called back and spoke with someone at XXXX. I did not speak with anyone from Citibank at XXXX. I document my interactions every time I call.
XX/XX/XXXX at XXXX I called Citibank # XXXX and was told by the Agent that they wo n't be able to assist me with the account. The Agent told me I have to call back in one hour they are having technical difficulties per Internal Recovery Unit.
XX/XX/XXXX at XXXX I called Citibank at # XXXX XXXX regarding the fact I am still receiving statements with a balance after the account was settled, paid, and was to be confirmed by letter of the settled debt by Citibank. At XXXX the Agent said, I will check into it and put me on hold.
XXXX The Agent said that the original settlement was issued for {$5000.00} and that it had to be approved by a Manager to be legitimate.
I informed the Agent the account was settled by Citibank for {$5000.00} and it had to be paid in full within 30 days or I would lose the settlement in XX/XX/XXXX. I asked to speak with a supervisor.
XXXX The Agent XXXX of the Citibank Internal Recovery Unit. At XXXX I informed the Agent XXXX the same information I had just told the Agent I spoke to before him. At XXXX I was told that he had to check with someone and put me on hold.
XXXX The XXXX XXXX said that when I called on XXXX/XXXX/XXXX my call was dropped and that because I have not called back since he has to see what the status is.
I had called last on XXXX/XXXX/XXXX at XXXX.
XXXX-The Agent XXXX transferred me to the Payment Escalation Department. The Agent XXXX would not give me a direct phone number to the Payment Escalation Department. XXXX gave me his phone number instead XXXX I then spoke to a woman Citibank Agent who said her name was XXXX, her ID # XXXX. I was told by Agent XXXX that the account was never settled because I tried to negotiate a lower price of {$3100.00} in XX/XX/XXXX while discussing the settlement with Citibank and that it needed Manager approval.
I informed Agent XXXX that I was given the settlement amount of {$5000.00} by Citibank, and that I had to pay the amount within 30 days which I paid in full on XX/XX/XXXX. I said it was an enforceable verbal contract/settlement with Citibank in XX/XX/XXXX and the account should be waived today.
Citibank Agent XXXX said that she had to escalate it to her Supervisor and it needed to be checked by the Internal Recovery Unit.
I said that I had already spoken with the Internal Recovery Unit and I wanted the account settled immediately with written documentation sent to my home by Citibank confirming that the account has been settled and paid in full, and I wanted the direct number to the Internal Recovery Unit.
Citibank Agent XXXX said the Internal Recovery Unit do not take calls and that they work through us inferring that the Internal Recovery Unit works through her. She then said that it would take 7-10 days to get a response and I had to call back within that time frame. I questioned the Citibank Agent XXXX about the timing of my phone calls on XX/XX/XXXX and she said that I called at XXXX and spoke with a Citibank Agent. At XXXX I asked for the name of the representative and the ID number. The Citibank Agent XXXX said that she can not give me a name of an agent or an ID number, and she needs to ask her Supervisor for permission. XXXX said that she will document everytime I call, that the call was being disconnected, she is trying to help me but, I have to call back in 7 to 10 working days.
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| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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DSNB MACYS - {$0.00} XX/XX/2021 when I noticed the fraudulent charges XXXX/XXXX - {$980.00} XX/XX/2021 when I noticed the fraudulent charges XXXX/XXXX - {$570.00} XX/XX/2021 when I noticed the fraudulent charges The Accounts above is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I XXXX XXXX the natural person Never gave The Accounts above consent to report anything to the credit reporting agencies nor do I have a contract to do business with them. The Accounts above Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States , or the District of Columbia , from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; The Accounts above Credit Dispute has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; The accounts above is in violation of 15 U.S. Code 1692d - Harassment or abuse in Exhibit A, B & C A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. The Accounts above has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. The Accounts above is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. The Accounts above has provided false information to XXXX, XXXX, & XXXX
|
| 07/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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Citimortgage purchased my loan from a previous company. When they did, my loan was changed from a 30 year fixed to a 10 year fixed, which I was not aware of at the time. My husband and I are both XXXX, and have both had extreme difficulty finding work. One or both of us was out of work for most of a decade. In 2008, I found a permanent job, and requested a loan modification, which was finally granted after intervention from my then Congressman. I was comfortably paying interest only for quite some time. Eventually, principal was added, and given the loan was changed to 10 years, the payments were substantial. Still, for years we pushed through and paid it, mostly relying on my business earnings plus salaries for various jobs.
XXXX
Unfortunately, my client base shrank, and we are relying on our salaries. My current salary is 2x my husbands, yet I am still paying 100 % of my take home to pay the mortgage. I have lived in my home for 26 years, and have modified it extensively. Moving would exacerbate my XXXX, and I truly do not want to move. As part of my XXXX, I am unable to use a voice telephone. This issue alone caused a delay of several weeks, as Citibank refused to give me information on how to contact Citimortgage via fax, email, chat, or another accessible manner. I am not deaf, and do not use TTY, which is the only other method they gave me for contact.
Eventually, I was given a fax number. I faxed my request onXX/XX/XXXX, and received an email on XX/XX/XXXX, saying it had been received. I then waited waited another several weeks with no response. On XX/XX/XXXX, I received an email from XXXX XXXX XXXX, introducing himself as a Single Point of Contact with the Executive Response Unit of Citimortgage, asking me what type of assistance I required. I reiterated my request for a years forbearance, or a conversion to a 30 year and asking whether he had seen the fax. Meantime, on XX/XX/XXXX I received an email claiming they had not received payment for XXXX. I faxed proof of payment immediately, and sent an email to XXXX XXXX asking him for assistance. XX/XX/XXXX, I received notification the fax was received. I emailed XXXX XXXX again on XX/XX/XXXX, asking regarding the payment issue. XX/XX/XXXX, XXXX XXXX respond, apologizing for the delay, and asking further questions. I responded immediately, and received another rapid email where I could not have a forbearance plan, and telling me they could do a mod or a refinance, but a refinance would have negative impact on my credit rating.
XXXX
The next day, I requested more information on the email I was sent by XXXX XXXX. I received no response. XX/XX/XXXX, I wrote again asking for assistance. There was no response. XX/XX/XXXX I wrote again. Still no response. XX/XX/XXXX wrote again, copying the Executive Response Unit general email. No response. XX/XX/XXXX, same. Meantime, I contacted Citibank on social media asking for a response. I was told I would receive a response within 24 to 48 hours. I did not. I requested via social media again to get a response. I received an apology and the same promise of 24 to 48 hours, still without a response.
XXXX
Simultaneously, the payment issue continued.XX/XX/XXXX, I received an email saying I needed to check my account online, where I found my payment had been applied to principal. Knowing this would be a problem, as it was still showing I was late with my payment, I faxed a request to properly credit the account the same day. On XX/XX/XXXX, I received verification the fax had arrived. I received nothing regarding this until an email on XX/XX/XXXX, telling me there was a balance unapplied, making my mortgage short by XXXX and directing me to call them. As they have been made aware over and over that I do not use voice telephones, I responded to the email also onXX/XX/XXXX and which was ignored.
XXXX
On XX/XX/XXXX, I received a letter from Citimortgage declaring my loan in default, and demanding XXXX including XXXX in late charges. Again it directed me to call them.
XXXX
In summary, despite receiving a Single Point of Contact, I have been waiting since XXXX for a response on how I can modify my mortgage and keep my home. In the meantime, Citimortgage has further failed to provide adequate information regarding a purported late fee and claimed past due payment, which I believe is directly due to their misapplying a previous payment, then claiming I was late.
XXXX
The XXXX of declaring my loan in default, and the XXXX of struggling to pay the mortgage is unbearable and having negative impact on my physical and emotional health. I am beside myself trying to get a response from the bank. Customers deserve better than this.
|
| 11/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
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|
Web |
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I am a victim of XXXX scam. I received a text and a phone call on XX/XX/XXXX, XXXX ( XXXX XXXX ) from a scammer posing to be a citibank employee claiming to help dispute an unauthorized charge on my checking account. It resulted in opening XXXX new checking account and getting unauthorized approval for a personal loan of {$7800.00} ( I received citibank emails confirming these processed within XXXX ) which then the scammer transferred the entire loan amount and around {$1900.00} of my personal fund from those checking accounts to another account via XXXX transfer resulting around {$10000.00} of transfer. I have already filed a form ( complaint number : XXXX ) regarding unauthorized loan approval. This complaint is regarding unauthorized/fraudulent opening of XXXX new checking accounts on the same XXXX and time. Despite receiving an email out for potential " fraud alert '' which Citibank themselves sent on XX/XX/2022 XXXX ( XXXX XXXX XXXX ), XXXX new checking accounts have opened within short period of time XXXX and XXXX on the same XXXX. Scammer has used these tools to transfer personal fund of about {$2000.00} ( the last statement balance was {$1900.00} ) from my existing checking account that I had for more than XXXX XXXX and the fraudulently approved loan amount of {$7800.00} within XXXX navigating between XXXX above mentioned checking accounts. After realizing the fraud/scam/breach, I started contacting Citibank customer service around XXXX ( Colorado Time ) and informed the bank of the situation. I was working with " XXXX '' from " unsecured lending account department '' which she relayed the info and transferred me to " security department. '' XXXX made a comment that usually the approved loan amount does not get processed for XXXX XXXX XXXX and transferred my phone call to " security department ''. The representative from this department processed " blocking '' of all citibank checking accounts and loan accounts under my name, and informed me that the " investigation department '' will contact me for further guidance. I asked multiple times that since " all the charges that were made on this day XX/XX/XXXX are result of fraudulent process and it is shown as PENDING on the bank account '', if they can reverse or cancel the XXXX or loan process charges made this day. They informed me that the while the account is " blocked '' and that would prevent those accounts from further transactions, but they will keep the account accessible for the investigation team to collect information from. This call between citibank and myself lasted XXXX. After quickly leaving my work and preparing myself for further follow-up actions, I contacted Citibank again at XXXX ( XXXX XXXX ) at home to verify and inquire more about what I can do. The XXXX XXXX of phone call with the Citibank representative repeated the same information informing me to wait for the investigation team to contact me back, and that they have block all related accounts under my name and the PENDING transactions should not be processed as the accounts are now in this " blocked status ''. They also recommended me to open a new checking account so that the refund money can be easily transferred back to me when the dispute/investigation is settled which I complied to. I asked them how can I be sure of that the process/action has been made, and the representative informed me that I would be getting the communication via my email or mail. At XXXX, without the mentioned confirmation email of the action against this fraud report sent to me ( I did received an email from Citibank for opening up my new account though ), I contacted the customer service again to verify and to request a written/documented confirmation of the events of this day. The representative repeated the same information mentioned above saying that all accounts are blocked and I should wait for their team to contact me back ( XXXX XXXX phone call ). I am reporting that I have NOT received any follow up email from Citibank regarding this fraud that I am experiencing. Viewing my online banking account is now " locked '' from laptop access, but I can still access it and find some information from my smartphone app and I will report individual charges to CFPB as recommended from the website. Please contact me for any information or recommended actions that I can take from my side. I am also informing you that I've submitted the same report under Complaint number : XXXX last night, but was concerned that I've put in " Citibank '' instead of " Citibank NA XXXX and apologize in advance for the inconvenience. I am doing everything I can from my side as this is an urgent matter. Thank you.
|
| 02/03/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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I opened an online account with Citi in XX/XX/XXXX in response to a targeted offer I received by mail. I made five initial ACH deposits to fund the account between XX/XX/XXXX and XX/XX/XXXX. I received no communication from Citi about an account issue between this time and XX/XX/XXXX. I left my funds in this account as a savings account/emergency fund and had no need to access them. When attempting to transfer funds out of the account into my XXXX XXXX account in XX/XX/XXXX, the transfer was cancelled by Citi. I received no communication from Citi. Only after this incident and calling Citi on XX/XX/XXXX did I find out that the account was frozen and had been frozen since XXXX or XXXX of XXXX ( date unclear from my conversation ).
I was informed that there was a question about the validity of one of the initial deposits, {$5000.00} on XX/XX/XXXX, and account ownership on that originating bank account. I explained to the fraud department rep that the deposit was initiated from the Citi website and came from the same account as another deposit on XX/XX/XXXX, which the Citi rep said was not in question.
The remedy Citi offered during my XX/XX/XXXX call in order to access my funds is that I visit a branch with ID and proof of account ownership. The issue, which Ive explained clearly to multiple Citi reps on multiple calls, is that the nearest branch to me is XXXX, which is a 16 hour round trip drive from my home near XXXX XXXX, Missouri. This is a not a reasonable request by Citi. I offered to fax or email the documents, or attend a video call where I could display them. The Citi rep did not budge on the requirement to visit a branch in-person, but also could not justify why that was required or how that provided Citi more thorough verification of my identity than a video call. I have reviewed my account terms and agreements and I see nowhere in the account terms that states I can be required to visit a branch for an issue related to an online account. I asked to speak to a supervisor, and was told I would be put on a list for a callback. Never have I received that callback.
I called again on XX/XX/XXXX and XX/XX/XXXX seeking an alternative and received the same unreasonable remedy as the only option, and again was told no supervisor was available and one would call me back. I never received the promised call on either day, or since.
After contacting Citis social media team on XX/XX/XXXX, I was transferred to a fraud rep on XX/XX/XXXX who agreed to accept the required documents via fax. However, he told me the fraud team did not offer a direct fax or email and that I needed to send the documents to a branch for review.
On the same day, I attempted to fax the documents to the XXXX, IL branch. After faxing the documents to the number listed on Citis website I called the branch was told they dont maintain that fax number. A banker at the branch agreed to accept my documents via email. I send them that afternoon.
On Tuesday, XX/XX/XXXX, the banker confirmed via email that she had received my documents and forwarded the documents to the fraud department. I called and spoke to an agent in the fraud department, who said that they didnt have the documents and that the branch banker needed to update the notes in my account. I called the branch banker back and had to leave a voicemail. I also sent her an email. I didnt hear back.
On Wednesday, XXXX, I called and spoke to the same banker again. She said she was still working to review the notes on my account and would call me back.
On Thursday, XXXX, I called and left a voicemail and also sent an email with no response. I did not hear back from the banker.
Throughout this process, the several Citi reps I have talked to have given unclear and sometimes conflicting information about the actual issue on the account, what caused this deposit to be flagged, and what I needed to provide in order to resolve it. I have also never been given a straight answer as to why my entire account balance is being frozen if only one {$5000.00} deposit, 10 % of the account balance, is being questioned.
-It is inconceivable to me that a national bank such as Citi does not have a process in place to verify information for customers virtually. If this is a real process, which I am still dubious about, then accounts should not be marketed to and approved for people in states without a branch. The lack of proactive outreach from Citi at any point in this process, which no Citi account rep has disputed was lacking, is a clear indication to me that they are not actually concerned about the security of my account and are primarily trying to cover up their mistake and hold my funds.
|
| 10/16/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
|
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On XX/XX/XXXX, XXXX major outgoing wire transactions ( totaling {$49000.00} ) were made from my Citibank Checking Account that were not made by myself or any of the authorized signers on the account ( including my father, who is a joint account signer ). The details on the accounts are below. Citibank denied our claim of fraud and was negligent in recovering funds and working through their investigation.
Account details : On XX/XX/XXXX, unauthorized wire transfers for {$32000.00} and for {$17000.00} was made out of my Citi Checking Account and sent to the recipients below : Cases opened with Citibank : XXXX for {$17000.00} XXXX wired to XXXX XXXX - XXXX XXXX XXXX account XXXX for {$32000.00} Money wired to XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account We were never notified of any unusual activity, and all notifications on all our Citibank checking and savings accounts were disabled, except for the change of contact info.
We did not have all of these settings disabled prior to the attack. We were not notified our settings were changed/disabled to be able to catch the fraud ahead of time.
Citibank told us they do not keep audit log records of account level changes.
We should have been notified when all the accounts were drained of their money ( inter-account transfers ) and definitely should have been notified when large wire transfers were initiated.
Upon realizing all the money was stolen, we tried calling Citibank numerous times on XX/XX/XXXX and struggled getting through to their wire fraud division to help pull the money back.
We tried calling Citibank all afternoon and had a horrible experience, which caused major delays in reporting the issue. The pending wire transfer was unable to be recalled due to the horrible phone system and extremely long wait times.
We were transferred many times to different groups.
Multiple calls were disconnected, further delaying the reporting and stopping of this crime. We were on hold for hours.
The evening of XX/XX/XXXX, I called into Citibank, I was sent to the wire fraud reporting team which had a message that they closed at XXXX. It was after XXXX, so I was unable to report the fraud that night.
Apparently we were transferred to the wrong group, as XXXX fraud department is open until XXXX ET. This was precious time that was wasted by Citi having a terrible phone system and customer support team.
Wire fraud was reported to Citibank on XX/XX/XXXX in the morning once we got through their long wait time. Nearly XXXX hours had passed by this point, since we were not notified of suspicious activity and were unable to successfully report the fraud on the day of the crime due to the phone system issues and long wait times.
Our case was sent to Citibanks IRU division The overall investigation was supposed to take XXXX days per the IRU. The investigation took almost 120 days ( from XX/XX/XXXX until XX/XX/XXXX ) with very little communication back from Citibank. See attached notes for details of call records.
This period of time was very taxing on my family- it was months of not having access to our savings we worked so hard for ( money to pay bills, buy food, etc. ).
There have been XXXX credits issued totaling {$15000.00} without any notification or explanation. I had to call into XXXX Fraud Department to find out what was going on.
On XX/XX/XXXX - a credit was issued for {$7000.00} On XX/XX/XXXX - a credit was issued for {$8200.00} We are still missing {$33000.00}.
On XX/XX/XXXX - I called into the Citibank XXXX and spoke to XXXX - Our case is almost over. The case is in your favor. No info on timeline. I asked to file a complaint since it was taking so long to be evaluated.
This made us feel like we were going to get all our money back.
We also filed police reports ( and obtained affidavits- attached ), an FBI report, and have opened an appeal with Citibank.
Citibank has been unable to provide audit logs of those who have logged into our account and when logs of when settings were changed and notifications XXXX, etc.
Citis communication and attention to detail is extremely lacking.
We believe we deserve a full credit back of the remaining {$33000.00} due to Citibanks neglect in swiftly resolving this case and recovering the funds. Causing us to wait nearly 120 days from a case worker being assigned and being promised the case was in our favor led to immense struggle on my entire family not only financially but also emotionally and mentally.
We have spent many, many hours on the phone trying to get our money back from Citibank, and we are filing a complaint at how poorly they handled our money being stolen via fraudulent wire transfers.
|
| 08/13/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
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Hi, I have tow different credit cards with Home Depot and the issue starts from XXXX XXXX.19 at the time I started small project in my house that require some money and motivation. I did some shopping at Home Depot on XX/XX/2019 and I find out that I could purchase more materials and I dont need to pay in full because at Home Depot they have promotions which applied to my statement balance at the end of the month. In mean time I received a promotion for XXXX XXXX XXXX for a 18 Months at 0 % APR and no minimum balance requirements. Because XXXX Locations was a bit farther from my house, I decided to call Home Depot Coustomer Care XXXX ( XXXX ) XXXX and I explain that I need to buy some materials but I have this offer from XXXX, is there anyway I could have this deal with Home Depot Credit Card. I was promised that I dont have to worry because all the transactions were going to place in promotion plan so I dont have to worry about INTEREST Charges. Also I was promised to use their card and at the end of the project give them a call and if there is any charge that needs to be added to promotion the representative whos going to take my call will help me and all this to place on XX/XX/19. Also she helped me set up auto payment to avoid late fees. I did continue buying materials at Home Depot throw out all this month doing the usual things. Even though continue to receive the statement I didnt bother to look over the charges and worried about interest charges. On XX/XX/XXXX Statement after I finish my project I take a look at the charges and I saw there was interns charges in both credit cards. On XX/XX/XXXX I called Home Depot Credit Cards Coustomer Services again and spend hours on phone trying to solve the problem. However I did reach a conclusion and again I was told All the translation where Added to promotion of six months and I was gon na be refunded for the interest that was billed on my accounts for both my credit cards. Where in card ending XXXX was two interest charges one for {$1600.00} and one for & XXXX also for credit card ending on XXXX there were two months interest charges each month was {$26.00} total of {$52.00} also this interest charges were promised to be credit back in to my account. Moving on today on XXXX XXXX,19 I received another statement from card ending on XXXX with another interest charge for {$1700.00} and I called Coustomer Care again. After spending hours on phone back and forth with representative I tried to fix the issue even I offered to pay the entire balance once only if they could reverse the interest charges but I still didnt receive any solutions. I requested to speak to a manager or supervisor and after waiting for another 10 minutes I got a hold of a Supervisor XXXX ID # XXXX menagment tema at Home Depot. And I explain allover again the situation and I still proposed to pay the full balance at both credit cards only if she could adjust the interest charges, however all this headache was no need because I should have taken the offer from XXXX to begin with. But the Supervisor XXXX # XXXX menagment tema at Home Depot. Refuse to help and she started playing a bossy way where she didnt even want to provide me with information that I was supposed to be served with. XXXX # XXXX menagment tema at Home Depot did mentions that my Request on XX/XX/19. was declined because of their credit card policy, in my end I didnt receive any information or documentation saying that I was declined. So I repeat my self to her and I mention that after all this months I was promised that I didnt have to worry about interest charges and somehow no one lets me know that I was declined to that promotion and today you let me know. Shes insisted not to take my payment as of today and she also said that she couldnt provide me with those declined letters. I feel very betrayed by Home Depot Credit Cards Costumer Services, for miss leading information that where not correct. I shouldnt have to pay hundreds of dollars interest because they have this irresponsible supervisor XXXX # XXXX menagment tema at Home Depot. I spent hours on phone starting from XX/XX/XXXX until XX/XX/XXXX, I should be treated with respect and honor for giving Home Depot business and if they can not keep their promises than they should definitely have served me with a copy of declined letter from being of XX/XX/XXXX. I spent hours to solve this problem and I have to pay interest charges just so I avoid any further charges today. I want to get reimbursed for all my interest charges and same pay as that supposed supervisor XXXX # XXXX menagment tema at Home Depot gets paid for all my hours. Shame on Business like that.
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| 12/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I successfully booked a confirmed and ticketed {$740.00} flight itinerary with Citi Thank You points that I had earned with my credit card. I subsequently canceled my card after using my points so as to avoid a new annual fee. Not long after that, the airline cancelled my trip without any action on my part. The airline then proceeded to refund the value of my ticket to XXXX XXXX ( Citi 's Thankyou Travel Agent ) without any input from me, and XXXX XXXX ( Citi 's Thankyou Travel Agent ) in turn transferred the proceeds of the flight refund directly to Citi bank itself. Documentation and phone calls prove this. Again, all of this was done without my knowledge or consent, with the net effect being that {$740.00} in airfare was stolen from me by Citi after I had already booked, paid for, and ticketed. I would have happily accepted a voucher from the airline for future flight credit rather than the airline refunding everything back to Citi, but I was never consulted about such an option by either the airline, XXXX XXXX, of Citi. Despite multiple attempts to recover the value of the ticket ( be it in points, future flight voucher, or cash ) which Citi has wrongfully taken away from me, Citi has refused on multiple attempts. It should be noted that Citi and its agents have resorted to misdirection and, at times, outright lies to get me off the phone. A detailed timeline follows : XXXX Trip ID : XXXX Airline Ref : XXXX Agency ref : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Pass 1 : XXXX Pass 2 : XXXX Credit card account closed : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX sec code : XXXX XXXX Timeline XX/XX/XXXX : Flight booked via Citi Thankyou web travel portal at a price of XXXX points or {$740.00} ( points redeemed at XXXX cents per point ).
XX/XX/XXXX : Credit card account closed : XXXX XXXX XXXX XXXX exp XX/XX/XXXX sec code : XXXX XXXX : Called to seek voucher or refund. Rep had to try to call XXXX XXXX, could not get in contact. Was told that they would keep trying later, but could not continue right now. Ended call.
XX/XX/XXXX : No refund provided yet. Called to see issue and rep was surprised to see that the Refund had been requested and approved by XXXX XXXX that XXXX XXXX was just waiting for XXXX XXXX to send the money. Internal issue # XXXX was provided in reference to this. I was told the refund should occur in about 10 business days.
XX/XX/XXXX : Spoke with XXXX XXXX rep XXXX. When asked where the refund was, she stated that because the refund occurred over 60 days after card closure, the points would be lost. I conveyed that this makes no sense, she agreed and escalated to supervisor XXXX. After explaining the situation to XXXX, she agreed it made no sense to not refund the value of my ticket in the form of a tech refund and she told me that a check in the amount of the ticket would be mailed to my address in the next couple of months.
XX/XX/XXXX : Email from XXXX XXXX : Dear XXXX : A refund for your travel reservation under TRIP ID XXXX was issued on XX/XX/XXXX to the original form of payment and typically displays on your account statement within the next 7-10 business days of issuance. Thank you for your patience.
XX/XX/XXXX : Call to XXXX XXXX, transferred to Citi : XXXX XXXX XXXX XXXX refused to address the fact that Id been told a tech refund was issued by supervisor XXXX. She continually repeated that a points booking can only be refunded as points, offering no solution other than saying that its in Citis hands. She did confirm that the refund was issued to Citi on XX/XX/XXXX as per the email, but offered no explanation of how or why, if that were true, neither the front line rep nor supervisor XXXX made mention of it on my XX/XX/XXXX call when they promised to issue a refund.
Call was transferred to Citi with a female XXXX employee whose name I could not understand despite multiple attempts. After hearing the background, she apologized and said that the points would be reinstated if I reopened the card. I agreed.
Then on Saturday I received a secure message from Citi stating that the card could not be reopened as it had been closed too long.
XX/XX/XXXX : Sent snail mail letter to Citi detailing the above timeline and layout out the above since I was consistently unable to obtain recourse over the phone.
XX/XX/XXXX : Received letter from Citi stating they tried to call me about my letter, but could not reach me. They asked me to call them to discuss.
XX/XX/XXXX : I called Citi per their request, but I was told the same things as outlined above ( like reapplying for the card and paying a fresh {$95.00} annual fee ) despite me already having tried this and it not working.
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| 12/07/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
Older American |
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Complaint Letter This complaint is being lodged against Citibank. And that they closed my checking and savings accounts without notifying meand for no reason.
About 4 months ago, after having recovered sufficiently from a fractured pelvis to ambulate, I went into my Citibank branch in XXXX XXXX, XXXX to ask a question. Do I need a Citibank power of attorney specifically for Citibank or will my general power of attorney suffice?
The answer. I will need a POA from Citibank if I want my daughter who lives 4 blocks from me to be able to access funds. So they gave me the necessary papers and instructions as to what needed to be filled out. My daughter is XXXX years old and an XXXX ; I am XXXX and a retired XXXX XXXX XXXX and XXXX.
I returned the papers, filled out as instructed. They were approved by my personal banker. '' A few days later I received a call from him, saying I needed to come in. I did. My signature was not notarized, which was true. That was because I had been told that it didnt need to be.
I got new forms and both my daughters and my signatures were notarized. I returned them to the branch.
A few days later, quite by accident, I noticed on my on-line statement that there was a letter for me. I opened it only to be horrified -- my accounts were going to be closed in 3 weeks. The letter did not tell me why, only that I should go to my branch. I didthis time more than a little annoyed. My " personal banker '' called in the manager, XXXX XXXX, who reviewed all the papers again and assured me that there must have been some error and that now they were all fine. I asked him to sign a copy of the forms he had in his hand so that I had proof that all was taken care of. He did.
Less than 2 weeks later, on a Saturday evening, XXXX XXXX I went online to pay bills. ACCOUNTS CLOSED was the message that came up when I tried to log into my Citibank account. I almost had a heart attack. Ninety percent of my bills are automatically paid from this account. All my income is automatically received into this account. I had no access to money. Ive never been late in any payment for anything including my mortgage which is also held by Citibank. My credit rating was perfect.
My blood pressure, already high but controllable, became dangerously high.
I immediately called my daughter, the XXXX, and my son, the XXXX XXXX at one of the nations largest credit unions. The next morning, Sunday, he and I were on the phone with Citibanks customer service ( which, of course, couldnt help ) except to say that a check was mailed and that it would come in 12-14 days. ( So the bank was earning interest on the float of almost {$70000.00} to boot! ) The following day, I and my daughter, who took the day off from work, spent from 9-2 in the manager XXXX XXXX XXXX office until he rectified the bank errors. ( He had been at this branch for less than a month ... and was resolute in getting this fixed. ) We got my account reopened with apologies from XXXX XXXX who said he had done at least 10 of these reversals. And he called me later that evening that the bank couldnt stop payment on the check. I had to borrow {$5000.00} to put into my account so bills could be paid.
Even if all the paperwork for the power of attorney was incorrect ( which it wasnt ), why would that trigger closing an account? Couldnt they just have said no to the power of attorney? Why couldnt the bank stop payment on their own check even though they could if I called and asked them to stop one of mine? And how could they close an account for no reason ( or any reason ) without notifying the holder?
This is a cautionary tale. If this could happen to me, someone who herself knows personal finance, someone whose children have tremendous connections and knowledge of banking laws, and someone who has a child whose job allows her to take a day off from work to advocate for her mother what happens to other older people or those less fortunate or knowledgeable? What happens to people who dont have access to additional funds and might have to wait 12-14 days before they get their own money back? How would this craziness affect their health? What would they do?
Was this age-related? Was this just the ineptitude of one person or a system? Is this how banks do business nowadays?
This has been an upsetting experience even though the bank manager was determined to resolve the issue asap and even though I expect to be made whole ( financially ). It almost gave me a heart attack. I am hoping that the CFPB can find the answer and rectify the system that Citibank ( and perhaps other banks ) use.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, NY XXXX
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| 08/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I opened a Costco Citibank credit card. On this date I specifically and expressly opted-out of automatically renewing membership charges by expressing this to the Costco clerk and providing alternative payment. I received assurance that no charges would be posted on the account for membership fees. I obtained this card as an emergency line of credit due to a personal injury, and never used it. Additionally, during this time, I continued to receive promotional material from Costco and Citibank, which was typically unwanted and discarded.
On XX/XX/XXXX, without my knowledge or consent, and in violation of our agreement, Costco charged me {$120.00} for membership. Because of my status as a XXXX XXXX and Citibank and Costco 's practice of sending useless and unsolicited promotional materials, I stopped opening mail from them sometime before this unauthorized transaction.
Eventually, this unauthorized charge accumulated interest and late fees. At this point, Citibank apparently attempted to contact me via a phone number that is identified by XXXX or XXXX as originating from a spam number. The number left voicemails in the form via an automated system that uses a robotic voice and is commonly associated with scammers. Citi began sending billing statements that in no way indicated any importance or difference from promotional materials.
In XX/XX/XXXX, Citi began calling from a different phone number that was not identified as spam - again using a robotic voice. When I spoke with their representative, I discovered that they were attempting to collect payment on the unauthorized transaction and fees and interest on that transaction. I requested that they send me copies of my billing statement.
After receiving the copies and verifying that they were real, I called Costco to have the unauthorized charge removed on XX/XX/XXXX. The representative indicated that the unauthorized charge was removed and directed my call to Citibank to dispute the fees and interest. Upon talking with a Citibank representative, she informed me that the charges were " too old '' to remove over the phone, and that I would have to write a letter to a PO Box controlled by their disputes department in order to have the charges removed. I wrote the letter according to the instructions I was given and waited.
I received no response to this letter from Citibank. Figuring they had long turnaround times, I continued to wait. Today, XX/XX/XXXX, a real person from Citibank called me for the first time. They informed me that I would be required to pay the full amount of the initial unauthorized charge plus interest and fees, totaling {$340.00}. I began calling their billing disputes department, which automatically disconnects your call after 2-3 minutes of waiting. After several failed attempts, I called customer service and demanded to speak to a billing disputes representative. Puzzlingly, they were in possession of the letter I was instructed to write, but had chosen not to provide a response.
The representative informed me that the representative I spoke to on XX/XX/XXXX was actually incorrect, and that the charges were never eligible to be removed by their disputes process - not just interest and fees, but also the initial unauthorized transaction processed by Costco. In the time between these calls, Citibank attempted to add several more interest charges and late fees, while I expected that my dispute was following some formal procedure for processing. The manager of the disputes department that I spoke to indicated that the charges could never be removed on XX/XX/XXXX in the first place, however he simultaneously offered to remove charges that accumulated after XX/XX/XXXX. The manager stated that the actual purpose of my letter was to create a formal record of the fact that Citibank was not required to remove the charges ; however, I was never informed about this. Citibank is sending a 'corrected ' bill that rewinds back to XX/XX/XXXX, and is still likely to exceed {$250.00} for a transaction that was never authorized.
Overall, Citibank is attempting to collect the full amount of this unauthorized charge veiled behind a non-transparent billing and collection process. The problem was further exacerbated by Citibank 's provision of inaccurate or outright false information about disputing charges. Citibank is using a complex web of bureaucracy to obscure the billing dispute process, leading to significant consumer harm in what amounts to strong-arm tactics. Citibank obscured their collection attempts for a duration long enough that I could not ever dispute the charges despite their unauthorized nature.
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| 01/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX and XXXX I was charged {$270.00} from XXXX Rewards. All three charges were in error and no purchase was completed from XXXX rewards.
I disputed the charge from XX/XX/XXXX Successfully and received a credit from Citi.
XXXX Rewards also refunded one charge on XX/XX/XXXX.
This leaves one outstanding charge for {$170.00} that has yet to be corrected. However after Multiple attempts Citi has failed to even open a dispute for one {$270.00} charge from XXXX Rewards on XX/XX/XXXX I have spoken to MANY customer service reps on the phone who have al told me that they would open a dispute, yet one never gets opened. They say that someone will contact me within 10 business days. but even then I only receive a form email saying that my dispute from XX/XX/XXXX ( the wrong charge ) has already been resolved.
Recently on XX/XX/XXXX I engaged their chat service for help and was told that a dispute would be open and that I would receive conditional credit within 48 hours. The following Tuesday I had still not received credit and in their online banking site the dispute is nowhere to be found.
I contacted them again on XX/XX/XXXX to advise them that the dispute was not opened. The chat agent confirmed that the agent from the prior week did NOT open a dispute and said that they would get it opened. when asked for a case id they were not able to give me one but told me that I would again receive conditional credit and the dispute woudl appear online within 48 hours.
It is now 48 hours later, the dispute has not appeared, and I am chatting with a third agent who I have no doubt will fail in the same way.
I believe there exists some systemic issue because of their being multiple similar charges and amounts that the agents are not even able to open a dispute. I'm not even able to open it myself online ( which I normally can ).
What is worse is there is not way to contact a person who can actually resolve the situation. The contact center agents have no escalation point that leads to a live person to communicate with so that I can properly explain the situation. Only a group that reviews the account in a vacuum and sends a form letter within 10 days that they call " Account review '' I would like for someone at citi to contact me personally, via phone or email, who can actually resolve this situation and not simply follow a script that has led to no resolution so far.
Unfortunately if this is not resolved my best/only recourse is probably small claims court, which is a burden I should not have to undertake given the requirement that they properly investigate disputed amounts.
I am enclosing my statement for the period with this additional context : During the same time period, when I was trying to transact with XXXX, I gave up and did successfully transact for the same product/price with XXXX. Unfortunately when trying to clear all of this up i opened a dispute for the XXXX charge in error. Therefore there are additional conditional credits ( and a corresponding reversal ) for XXXX for the same amounts that somewhat muddy the water. So I will clarify each of the {$270.00} charges on the attached statement.
XX/XX/XXXX - {$270.00} XXXX erroneous charge from XXXX Rewards ( Yellow ) XX/XX/XXXX - {$270.00} Legitimate charge from XXXX Rewards ( Blue ) XX/XX/XXXX - {$270.00} XXXX erroneous charge from XXXX Rewards ( Yellow ) XX/XX/XXXX - {$270.00} XXXX erroneous charge from XXXX Rewards ( Yellow ) XX/XX/XXXX - ( {$270.00} ) Refund directly from XXXX Rewards ( Yellow ) XX/XX/XXXX - ( {$270.00} ) Conditional credit for mistaken dispute of XXXX Rewards Charge ( Blue ) XX/XX/XXXX - {$270.00} Reversal of conditional Credit from mistaken XXXX dispute ( Blue ) XX/XX/XXXX - ( {$270.00} ) Conditional credit for XXXX rewards dispute on XX/XX/XXXX ( Yellow ) It is clear in the statement that I was charged 5 times, and only refunded 3 times for a purchase I only made once. Leaving a single outstanding charge as needing to be corrected.
I am also enclosing a statement from XXXX for the time frame in question showing that there is not a single {$270.00} purchase.
And lastly I enclose a record of the last chat with Citi. Confirming their repeated failure to properly open a dispute when asked and even giving me old/resolved Case numbers when I attempt to ask for a new one. Along with a screenshot of my dispute center from Citi proving that the case number give was resolved.
There is clearly something systemic that is preventing the chat and phone agents from properly handling a complicated billing issue of this nature. And no system in place to escalate the issue to a competent team when needed.
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| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern : Re : This was not sent in error, not a material misrepresentation, and If you have a record that the information below is inaccurate please have a senior executive from your company certify under the penalty of perjury to its accuracy.
Be advised : I consider all information associated with me including but not limited to my name, accounts, addresses, phone numbers, and associated identity numbers as well as numbers, characters, and/ or similar symbolic arrangements to be personal, confidential, and uniquely mine ( copyright attached ).
As such, arrangements must be made with me to use or store such information. Any permission and/ or authorization you think you may have had regarding the use and/or storage of such information is hereby revoked and a new agreement is constituted beginning this day.
After numerous attempts to resolve this issue with XXXX XXXX, XXXX, and XXXX ( CRA ), certain information is still being " validated '' " certified '' " verified '' after the primary investigation and reinvestigation. This has been causing me undue anxiety, I am distressed due to the adverse information being reported to the CRA, and this distress related to an inability to move forward in commerce and hindering my ability to move forward in my business affairs affecting my livlihood.
Under Federal Law, I, the consumer, have rights regarding the reporting of information in my consumer report. My name continues to be reported incorrectly...
Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and the information associated with it is causing me significant harm. All of which continues to be verified, updated, and reported to the CRA.
I DO NOT consent to the use of my name in any way, nor did I provide written consent for the use of my name ( see attactched copyright ) - 17 USC 501 Infringement of Copyright ( b ) The legal or beneficial owner of an exclusive right under a copyright is entitled, subject to the requirements of section 411, to institute an action for any infringement of that particular right committed while he or she is the owner of it. ( see attatched ) You are hereby advised that you DO NOT have my permission to store information regarding me or information attributed to or about me. Therefore, you are hereby ordered to remove and purge any such data or information from your filing systems Any permission, right, or privilege you think you may have had to store information or data regarding me is hereby revoked.
42 U.S. Code 408 ( a ) ( 8 ) ( 9 ) Penalties ( a ) In general Whoever ( 8 ) " discloses '', " uses '', or " compels the disclosure '' of the social security number of any person in violation of the laws of the United States ; or ( 9 ) conspires to commit any offense described in any of paragraphs ( 1 ) through ( 4 ), shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, I DO NOT consent nor give written authorization for the use of my personal and private information 15 USC 1681b ( a ) ( 2 ) ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Furthermenre, the FCRA protects, me, the consumer from adverse information being in my consumer report.
15 USC 1681c Section ( a ) ( 5 ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) ANY other ADVERSE item of information, other than records of convictions of crimes which antedates the report by more than seven years.
UCC 2-209 Recession of Contract You are entering a binding contract and a new agreement is constituted beginning this day.
You are hereby granted permission to use and/or store such information and/or data while you compensate me at a rate of {$5000.00} per month due and payable on the first day of each month, plus a two percent monthly interest rate on monthly unpaid balances, plus {$500.00} per occurrence late charge, plus a {$1000.00} billing fee. You will send a notarized agreement and payment to the address below.
Payable by Cahsiers Check to XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Failure to send agreement and payments beginning XX/XX/2023 makes the use of any of my personal information an infringement of copyright and legal action will be sought.
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| 06/13/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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Hi and to whom it may concern : I'm not sure what's going on with this account. I'm trying to get Macy 's to provide a method of verification under the provisions of FCRA section 623, and the only thing I'm getting back is a simple 1-page canned response saying that I need to contact the credit bureaus. And when I contacted the credit bureaus they are directing me back to resolve it with the original company.
Below is a letter i had sent to Macy 's Dated on XX/XX/19 Dated : XX/XX/2019 MACYS/DSNB ATTN : CONSUMER DISPUTE XXXX XXXX XXXX XXXX, OH XXXX PHONE : ( XXXX ) XXXX To whom it may concern, I disputed this with all of the credit reporting agencies and they say you verified it yet I received no sworn verification from you. You are not allowed to just claim something is verified and not provide the actual documentation and sworn affidavit of verification. Failure to do so is and NOT verified! Thats what the courts say, so I reject your claim of verification for this alleged account.
I am requiring you to remove this from my credit reports pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) because in order to be compliant with this section of the FCRA, you were REQUIRED to get my consent in writing to collect any information, to make any communication about any account on my credit report. I have NEVER consented to your communication on my credit reports.
I am also Opting Out of the sharing of this non-public personal information with non-affiliated 3rd parties pursuant to the Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. Credit reporting agencies are non-affiliated 3rd parties. I am attaching a brief on the GLBA and Privacy Act highlighting what I am saying.
By this notice, debt collector and/or Alleged Creditor, including its/their principals, agents, assigns, employees, shall comply with the provisions of the Gramm-Leach-Bliley-Act, 15 USC 6802, 6803 the Privacy Act of 1974, as lawfully amended at [ 12 USC 3401 ], the Right to Financial Privacy Act of 1978, as lawfully amended at [ 5 USC 552a ], and the Third Party Summons Act special procedures [ 26 USC 7609 ], for assisting the Respondent in keeping inviolate certain constitutionally protected privacy rights and guarantees, and from preventing encroachment thereon, also Opting Out of any and all non-affiliated third party reporting of any kind of my personal identifiable information.
By this notice, debt collector and/or Alleged Creditor, including but not limited to principals, agents, assignees, employees, shall comply with this demand ; debt collector and/or Alleged Creditor, shall provide Respondent with a copy of any express written authorization from Respondent, whereby debt collector and/or Alleged Creditors authorized for disclosing/divulging/sharing, any type or kind of my personal identifiable information with any non affiliated third-party, in any manner, as well as by means of communication, any information, documentation, data, property, effects and the like re Respondent. Debt collector and/or Alleged Creditor failure/refusal in providing said foregoing demanded authorization constitutes admission and stipulation that debt collector and/or Alleged Creditor are in violation of, including but not limited to Gramm-Leach-Bliley-Act and Privacy Act.
FULL CEASE AND DESIST SHARING OF INFORMATION WITH ANY AND ALL CREDIT BUREAUS PURSUANT TO GRAMM-LEACH-BLILEY ACT, The PRIVACY ACT of 1974, & The FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) You are hereby notified under provisions of the Privacy Act of 1974, the FCRA, and The Gramm-Leach-Bliley Act that I DO NOT CONSENT TO THE COLLECTION OF INFORMATION OR MAKING OF COMMUNICATIONS ON MY CREDIT REPORT. I officially OPT OUT of the sharing of my non-public personal information with non-affiliated 3rd parties such as and specifically the credit bureaus, pursuant to the GLBA.I am also reminding you of the prohibition of the sharing of my non-public personal information pursuant to the Privacy Act of 1974, and for your Failure to get my consent in writing for ANYONE to collect information used to make a communication on my credit report. You are required to completely remove, delete all traces of this from my credit reports IMMEDIATELY.
You have 15 days to send to me confirmation in writing that you are ceasing sharing this information pursuant to the Full Cease and Desist ordered by me, which includes deleting this alleged account from every one of my credit reports and every credit bureau you shared the information with.
Silence Equates To Agreement ~ Point of Law.
Time is of the essence, XXXX XXXX Without recourse, all rights explicitly reserved UCC 1-308, 3-415, and 1-1031
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| 06/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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In early XX/XX/2020, I received a letter from Best Buy Credit Services ( Citibank ) stating that as a result of a recent review of my account my Best Buy Visa credit card will not be renewed. After a credit dispute regarding an inaccurate report of delinquency was resolved on XXXX XXXX 2020, I wrote Best Buy Credit Services Citibank on XXXX XXXX 2020 to advise them that they had used a credit report that included an error to review my account. I let them know that the error had been corrected and sent them evidence of the error and the correction and I requested that they review their initial decision using a correct credit report.
My Best Buy Credit card expired on XXXX XXXX 2020, and I was notified of its non-renewal on XX/XX/XXXX. Given the fact that when a credit card is renewed it is mailed in advance of the renewal date, the decision to not renew my card must have been made over a week before the expiration date of XXXX XXXX 2020 and over a week before the notification date of XXXX XXXX 2020. However, this information was concealed from me. In fact, my XXXX credit report shows that an account review credit pull was made by Best Buy / CNBA on XXXX XXXX 2020 using a credit score of XXXX ( after the reporting error was corrected my score increased to XXXX ). Had I been advised of the review of the credit report that contained inaccurate information, I would have been able to appeal and ask for review prior to them closing my account. Best Buy / CNBA clearly has the ability to make communications available immediately to consumers via electronic communications.
For Best Buy / CNBA to elect to conceal the decision for 10 days, especially when they make other communications immediately available by electronic means, is in bad faith and unfair and abusive to the consumer as it prevents them from making appeals if erroneous information was used to make the decision.
It is also unfair and abusive to the consumer to refuse to re-evaluate a credit decision when presented with information that proves their decision was based on inaccurate information such as a lower score caused by inaccurate credit reporting.
Over a month after I sent my letter, on XXXX XXXX 2020 at approximately XXXX, I received a call from Citi executive services. I spoke to the representative and he explained that there was no way for them to review the account decision. He acknowledged that he had received the information showing that the credit report that they reviewed had an error. He told me that there was no way that they could re-evaluate that decision using correct information. He advised me that the best that he could offer was that I re-apply for the card. I let him know that would damage my credit and would unlikely result in a new account being issued because of the current pandemic credit situation, and he did not disagree with me.
The representative told me that I would be receiving a letter. I asked specifically that the letter include in writing Citibanks representation that they were unable or unwilling to review the initial XX/XX/XXXX decision using an accurate credit report. The representative initially told me that the letter would state that the decision was based on credit reporting information. I told him that would not be sufficient and that it needed to state that they would not or could not review the initial decision using a corrected credit report. He told me that he would include that in the letter.
The letter I received does not include that information. Nowhere in their letter does it acknowledge their receipt of information supporting that the credit information used was or could likely have been inaccurate. Nowhere in the letter does it state that even with that knowledge they are either unable or unwilling to review their XX/XX/XXXX decision using correct information.
During my phone conversation on XX/XX/XXXX I advised the representative that I wanted the representation in writing so that I could forward it to their corporate business partner Best Buy as I believe that their actions are harming Best Buys business reputation. I wanted Best Buy to be aware of the consumer experience with their lending partner. The requested information was either intentionally omitted so that I would not be able to send such a letter or it was omitted in error.
I request a review of the credit decision to not renew my card using a credit report that does not include incorrect information using usual review standards for a card renewal, not standards for new account application.
I request a letter that includes the information that was promised to be included in the XX/XX/XXXX letter.
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| 06/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My XXXXyear-old, XXXX XXXX, child made over 20 purchases in the app XXXX XXXX with my boyfriends credit card, I am an authorized user on the account. These purchases were not authorized, and I had no knowledge of them. When I reached out to the XXXX company through their support link, I was informed that I am responsible for the purchases no matter who made them per their policy. I again reached out and asked for them to look further into the matter because I havent even played the game in several years up until recently and that is when all the charges started occurring. These charges are fraudulent in the fact that a minor made them without my consent. I have put all the necessary safeguards into place since finding these purchases. I have removed the app, as well as changed all necessary passwords. I have also deleted all credit cards from my XXXX XXXX account and locked the physical cards in a safe. I have since filed a complaint with the BBB as well as emailed the " support '' for the game a second time. These charges started in mid XX/XX/2019 and continued daily until XX/XX/XXXX.
The response received was : " Hi XXXX, We are sorry to hear about the situation you encountered. Normally, we would have been able to assist you with refunding the unauthorized purchases, however, in this case, the transactions were also used in the game which will not allow us to retrieve the purchased goods and trigger the refund mechanism. We strongly urge you to set up parental control on your devices as it is out of our control if someone underage is accessing your account. As per our Terms of Service, no minor should be accessing the game, however, we can not monitor or prevent minors from accessing accounts owned by adults. It will help you tremendously to avoid this kind of situation in the future if you set up your devices in a way that will prevent your child from accessing the game and purchase. As a less effective method, you can also remove the card details from your accounts so the purchases won't go through even if there is an attempt at purchasing by someone other than you. I am sorry I was not able to help more this time, but I hope the above pieces of information will help you going forward. Best regards, XXXX XXXX Customer Support Manager XXXX XXXX Support '' I emailed the company back the same day and informed them that these were not authorized purchases and that there was no physical item received and to please just close whatever account is associated with me. To this date I have not received a response from the company on either the BBB complaint or the personal email.
I have also contacted a pro-bono lawyer in my area. One credit card ( XXXX ) account has refunded some of the purchases but not all and the other ( Sears Mastercard ) refuses without me filing fraud charges against my daughter. I have explained to Sears that my daughter is XXXX XXXX and did not do this knowingly. XXXX has mislead me a few times in that the first time I called, I was told that " we could file the dispute but if the company said the items were received then that would be the end of it. '' It was also suggested that I attempt to reach out to the XXXX company again to see if they would be willing to work with me at all ( referenced above ). The second time I called XXXX was after I had done some researching on the FTC website and came to the understanding that it is federally illegal to be held responsible for charges that were not authorized. I spoke with another agent in the dispute department of Sears and was told I needed to email all the information and supporting documents to XXXX. I did and received an email back asking for a dispute claim number and that if I didn't have it available to contact customer service to get it. This phone call led to me being forwarded to the fraud department at which point the representative informed me that unless I were to file charges against my daughter than they would not be able to process the purchases as fraud.
The total amount charged to my Sears Master card is {$4900.00} to date I have been credited ( through XXXX and XXXX XXXX requests ) {$1000.00} leaving a total loss of {$3900.00}. I am accruing interest on these purchases and my minimum payment has gone from {$52.00} on XX/XX/2019 statement to {$190.00} on XXXX statement.
I have received free legal advice to file this complaint on this forum as well as to see where the complaint with the Office of Attorney General against XXXX XXXX goes. I am seeking a full refund of all unauthorized purchases. These purchases start on XX/XX/19 and continue to XXXX and are made to XXXX XXXX, XXXX XXXX or XXXX.
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| 02/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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We have been experiencing an extremely alarming trend from our creditor Citi regarding mishandling of billings disputes and intentional evasiveness and non-responsiveness.
Citi has failed to respond to numerous electronic communications regarding a recent dispute and their Billing Disputes department is clearly designed to be evasive and difficult to contact.
The level of incompetence demonstrated by the investigators handling these cases is extremely alarming. Even more concerning, is the fact that there is no public record of the employees assigned to handling these cases so there is no accountability for their incompetence and our complaints regarding this matter are not being handled properly by the company internally.
We strongly believe that a governing organization needs to investigate the mishandling of disputes and the evasive manor in which their department is structured.
We recently opened a dispute with a merchant operating under the title of " XXXX XXXX XXXX '' as the merchant has failed to perform the paid services as advertised which ultimately resulted in damage to our property.
Our attempts to resolve the matter with the merchant were unsuccessful so we opened a dispute with Citi.
The case number provided for that dispute is # XXXX.
The dispute was promptly closed claiming to have resolved the matter in the merchants favor and that the " customer was responsible ''. The reasoning for the abrupt closure of the dispute was because " the merchant had responded ''.
Upon reviewing the response from the merchant they had provided nothing more than an invoice for the failed services.
We immediately appealed this decision as it was apparent that there was no " investigation '' and that the creditor made no legitimate attempt to resolve the issue.
The case was temporarily reopened and then abruptly closed with the reasoning being that " the merchant refuses to issue a credit ''.
This response was very concerning as that was the underlying reason for initiating the dispute to begin with as we had been experiencing difficulty collecting reimbursement from the merchant.
This official response from Citi implies that an irresponsible merchant is free to take advantage of it's customers without any accountability or appropriate action on behalf of Citi if the merchant simply " refuses to issue a credit ''.
It was apparent that Citi was not willing to take appropriate action to dispute the matter with the merchants bank and was quick to take " no '' as an acceptable answer from the merchant which is extremely alarming.
We suspect that there may be some financial affiliation between Citi and this merchant.
We immediately appealed their outlandish " resolution '' and rejected the illogical reasoning provided by Citi who then responded stating " We are unable to dispute the matter with the merchant or their bank unless a credit slip is provided ''.
This is completely counterintuitive to why the disputes process was developed and the entire reasoning for initiating the dispute with our creditor was due to the fact that the merchant was not cooperative with our attempts to obtain a full refund resulting from the damage to our property.
We sent Citi a notification of our appeal to their decision based on the spurious reasoning for refusing to dispute the matter but they have intentionally failed to acknowledge or respond to our correspondence.
Citi only provided us with a single initial response from the merchant yet they claimed to have contacted the merchant multiple times.
We requested that Citi provide us with all responses from the merchant and any communications between the two parties but that request has also been ignored by Citi.
It's apparent that this evasiveness and non-responsiveness is intentional which is why we are reaching out to you for your assistance to resolve the following two matters.
1. ) Acquire a full refund from the merchant for the inadequate services 2. ) Investigate the mishandling of disputes and intentional evasiveness demonstrated by Citi We own over 14 credit cards and are very familiar with the disputes process and how other creditors handle disputes so we are very concerned about how Citi has been handling disputes. We were formerly a long-time customer of Citi spending in excess of $ XXXX annually across multiple Citi accounts but the mishandling of two of our recent disputes is so concerning that we have completely suspended doing business with that creditor as they apparently choose to operate their company with blatant disregard to consumer protection law.
Thank you for your attention to this matter.
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| 09/01/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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ACCOUNT VERIFIED RESPONSE I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #.
According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
ListAccounts DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
PS!
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' ACCOUNT NAME : CITIBANK NA Account name CITIBANK NA Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1000.00} Highest balance {$1000.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 120 Current / Terms met 60 Past due 60 days 120 Past due 120 days 150 Past due 150 days CO Charge off Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX.
Balance history XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
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| 12/05/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX, 4 transactions equaling to {$740.00} to be exact was taken out of my account on fraud chargers.
I recognized this and immediately called my bank to report this to the dispute team ( Citi Bank ). They gave me all the information I would need to form a written statement with my dispute number/address/bank account number/name/amount taken etc along with the fax number. I had {$740.00} taken out of my account and did not have a fax so spending money was not realistic at the time. They told me I could go into ANY Citi Bank branch to get it faxed for free.
I drove about 12 miles to nearest branch only to be told they do not have faxes but could email it to them. I allowed them to do that but still went to XXXX and faxed over these documents. I called the CitiBank Dispute line again on XX/XX/XXXX, XXXX that the fax number was correct before proceeding. Later that day I faxed MORE information ( with all information requested including personal information ) to assist my case ( {$22.00} spent so far ). I called on XX/XX/XXXX at XXXX to confirm they have gotten my faxes which THEY DID. I also was notified that I could send screenshots of the proof I had in my phone to a email ( XXXX ) which I did along with written statement AGAIN. After XXXX, I received a written later from Citi Bank stating they dont understand my complaint and need more details after I sent 10 pages of very detailed evidence and emails. The letter was dated XX/XX/XXXX but I did not receive it until XX/XX/XXXX. It was requesting response within 5 days from letter. I called Citi Bank again on XX/XX/272018 at XXXX to tell them that I just received the letter. They told me I was fine and to just go submit the information requested via fax. I confirmed they had received my other faxes and emails. I went to XXXX AGAIN XX/XX/XXXX XXXX and faxed over 7 pages of again, very detailed information. I have a transmission verification report stating they received it.
On XX/XX/292018 at XXXX I called Citi Bank again just getting a update on my status and confirming they have all the evidence they needed. I also told them I had to pay out of pocked because Citi bank branches didnt have a fax and she stated she would submit a complaint because they do not tolerate that.
On Monday XX/XX/XXXX at XXXX XXXX, I was on the phone with CitiBank dispute about my dispute. I was told by previous workers I would get provisional credit within 10 business days of dispute which I had not received. The woman on the phone stated they have not received any evidence from me to support this dispute. I CONFIRMED ALL THE FAXES AND EMAILS and they are now saying they never received anything. She also said I was sent a email back stating the screenshots and statement I sent can not be used for evidence which I NEVER got that email anywhere. Nor did anyone tell me via phone that it wasnt eligible for evidence/invalid. She told me there was no notes on my account regarding any of these past conversations with employees when I have call logs. I asked for the Manager of the dispute department, her name was XXXX. She was very disrespectful from the jump. Here I am in tears because they lost/never received my fax with ALL my personal information and to fight a time sensitive case .... she was silent. She began to give me attitude after I said multiple times your employees told me they received my faxes and now all of a sudden theyre gone and you have nothing to say or help? She said we didnt get it, sorry, you can mail it to us. I confirmed with her that I had all the correct information in which she said yes but they never received it. She was giving me a lot of disrespectful tones and comments saying well your dispute is with master card not CitiBank. Well yes, but Ive been a loyal customer with you guys for 8 years and money was stolen from me from my checking account AT Citibank. She proceeded to tell me she couldnt help me.
Not only did I call multiple times on a recorded line to verify everything and get confirmation, I also sent emails. I was told many times they received it on their end. Now it all disappeared and on their end, it looks like I am not cooperating with the case. I received a letter the next day stating that my case will be closed due to lack of evidence on why I should receive these funds back and that I should take it up with the merchant ( aka someone who stole my money. ) I did everything CitiBank asked me to do and now my personal information is floating some where, I lost {$740.00} of my rent money for no reason at all and I had very very disrespectful experience with XXXX the manager for the Dispute Team.
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| 02/04/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Fee problem
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Web |
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Issue with CITIBANK & XXXX On XX/XX/2020 I purchased from a company by payment of XXXX called XXXX XXXX XXXX in XXXX, XXXX. Upon receiving the items I was unhappy with the quality and expressed this to seller. After a brief conversation the seller agreed to returning the product and giving me a full refund once theyve received the product. I was given the seller companys XXXX account information to send the items from XXXX, NY back to XXXX, XXXX. I also paid the seller an extra {$45.00} to send the items back as requested by the seller.
Once the product was sent the seller stopped responding to me. The items were returned on XX/XX/2020. The seller received and signed for the package on XX/XX/2020 by thename XXXX. As of today it has come to my attention that Citi bank has closed the case in favor of the seller after Ive filed a dispute with Citi Bank against this transaction and attaching documents to support my case.
Upon receiving my dispute denial letter for my case of items that were returned on XX/XX/2020 to XXXX XXXX XXXX. The seller claimed the issue for not refunding me would be because I sent back a package of used hair and that I did not send their goods back. The product was delivered to me on XX/XX/2020. I immediately contacted them on XX/XX/2020 about a quality issue and returned it on XX/XX/2020. In the space of time how could 9 items, which the invoice states that were sent to me are used in that space of time? It is completely impossible for me to use 9 pieces of hairpieces in 3 days. Lets not forget that there is also a 12-hour time difference between XXXX XXXX XXXX & XXXX leaving a 12-hour time barrier between the seller and I. In conversations with the seller on XXXX I showed the hair was shedding excessively they also asked me to make videos of me brushing though the hair, which I also have proof of. The seller is being dishonest and a decision of me receiving my money back should be determined on onlypurely facts. The facts that Ive provided shows that Ive returned the products as required from me. How can Citi bank determine the quality of what I sent back to the client without being present when I received the product and when they received the product as well? The decision of me being denied my money is based of an opinion, an untrue one at that. If the hair was used how is it possible that I received it on XX/XX/2020, notified them on XX/XX/2020 ( one day later ) made attempts to return the hair up until XX/XX/2020 when it was finally in the possession of XXXX and shipped. How is it possible that there were issues with the package yet with XXXX has no claims or disputes on file for the items? It is unacceptable that Citi Bank can make a return payment decision based on an opinion with no undeniable proof behind it. My only job was to return the products, which I did, and have provided documents of which I did. Yet at the end I have no product or returned payment. Citi Bank can not determine what quality was sent or received but what you can determine is that the items where documented as sent. If the seller indeed had issues with the product why was I never contacted on the quality issue? Why didnt they ever respond to me regarding the arrival of the product? If they indeed opened the package when XXXX was there why did they sign for it instead of refusing damaged goods or good that werent their own? This situation needs to be properly rectified by my bank. I will attach documentation to support my case. This is all completely wrong.
I dont understand the decision of paying the seller {$1100.00} when the item has been in their possession since XX/XX/2020. Once again the item is no longer in my possession and is now in the original sellers possession. How can I pay for a product I no longer have. Ive been a Citi bank customer for a while and very disappointed by this decision. It is indeed the wrong decision and all the documentation I am sending will support that it is clear that I dont have the product so I am owed a refund as promised by the seller. I would appreciate a full refund for product I NO LONGER HAVE and was instructed to return by the seller XXXX XXXX XXXX. If this can not be properly rectified I will be filing a complaint.
The documents Ill be providing are the following : 1. XXXX office receipt 2. Commercial Invoice 3. XXXX delivery confirmation notice 4. XXXX Tracking number XXXX 5. XXXX conversations between the seller and I ( my responses are in green and XXXX XXXX XXXX responses are in white ).
For investigation purposes I will also add my XXXX case information below : Dispute Case ID : XXXX Transaction ID : XXXX
|
| 05/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
|
|
Web |
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Sometime in early XX/XX/XXXX, I contacted XXXX XXXX regarding a APR reduction. After connecting with a phone representative, and being verified and confirming the account that I needed assistance with ( acct ending XXXX ). I went on to request a APR reduction ; however, the call disconnected. I can not say if it was on my end or if I was hung up on. I immediately called back, and indicated to the 2nd Sears representative that I had previously called regarding an interest reduction on my account, but that the call " dropped ''. I was verified, but apparently the account for which I was calling about was not accessed, ( I have XXXXwo accounts with Sears ). The representative continued the conversation and indicated that she/he was successful in processing the reduction and confirmed that the rate was reduced from 26.74 % to 16.74 %, I may be off on the point aspect. The representative indicated that I would see changes in the rate reflected on the next statement cycle. I thanked them and we ended the call.
On reviewing my statement at the beginning of XX/XX/XXXX, I noticed that the rate had remained the same. I contacted Sears and spoke to a representative, who indicated that the rate change may take a while and may reflect on the next statement. I accepted the reasoning and kept an eye out for the XX/XX/XXXX statement.
However, they were no changes. I called again, and this time was able to speak with XXXX a manager who I explained the issue to. He requested that I allow him sometime to review the issue, and provide me a call back, which I did. When XXXX connected with me later that day he indicated that an interest reduction was indeed completed ; however, it was completed on the Sears card on which I do not have a balance. He also indicated that a letter was mailed indicating that he reduction was completed.
This was the first time in calling Sears from the beginning of XX/XX/XXXX, through XX/XX/XXXX, that I was told this. I again explained to XXXX about the first call dropping and the subsequent follow up call that took place and the account which was verified for maintenance, which was the account ending in XXXX, which is the only account that carries a balance.
At this time XXXX indicated that there was nothing that he could do to further assist. But did offer to refund the interest that was charged for XX/XX/XXXX which was about {$110.00}. I requested that the issue be escalated as it was not my error that the Sears representative DID NOT verify the account for which I was calling, and did indicate to me that the interest reduction was completed. This is deceptive as I was led to believe that my account ending in XXXX, was the account to which the interest reduction was applied, as it is the only Sears account which carries a balance.
I requested that the issue be escalated, and received a call from XXXX, who indicated that she represented the Executive Office for Sears and would be reviewing the issue. She also indicated that she had reviewed the calls and confirmed that the second representative DID NOT verify an account with me, but that the reduction was completed on my XXXX store card. She also indicated that my card ending in XXXX does not qualify for an interest reduction. It's funny that a card which carries a balance does not qualify but a card that does not have a balance qualifies. Another deceptive practice by this company.
I request XXXX 's manager call me, to which she first indicated that she was the highest point of contact, after insisting that her manager call, she indicated that I would be receiving a call from her manager XXXX within 24 to 48 hours. The call was made to be but way outside that timeframe ... XXXX stuck to the SEARS storyline of the card ending XXXX not being eligible ; however, NO ONE is addressing the fact that on my initial call which was verified as for the card ending in XXXX, which unfortunately dropped and I called back, and indicated what had happened and which card should have been serviced seems to be falling on deaf ears.
These " BIG '' companies are playing deceptive games with consumers who use their services. It is the representatives ' responsibilities to verify and confirm the account ( s ) that their customers are inquiring about.
I feel very deceived and tricked into believing that I received service on a particular card, when SEARS serviced a totally different one.
1 ). Why would anyone request service on a card that there is not a balance on to affect there payments?
2 ). Sears representatives responsibilities to verify and confirm the account ( s ) that their customers are inquiring about.
|
| 10/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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XXXX XXXX XXXX ( Social Security XXXX ; CA DL XXXX ; DOB XX/XX/XXXX ) XXXX XXXX XXXX XXXX, CA XXXX Citibank Citicards acct No XXXX XXXX Dear CFPB, We have contacted Citicards Credit Dispute Department multiple times and sent copies of all records, notes, phone call records to them twice. Please see bottom of this letter of all the other people we contacted.
We are writing to get your help with Citibank Citicards acct No XXXX _ XXXX which had negative information reported for XXXX XXXX ( Social XXXX ) in XXXX, XXXX, and XX/XX/XXXX to all three credit bureaus.
Due to this snafu, we had to cancel this account after paying it in full and applying for a new Citi XXXX XXXX XXXX XXXX. We have had no issues with this and all payments are paid in advance and in full.
We are loyal Citibank Private Banking clients. We have 2 home loans with Citibank, a line of credit with Citibank, Citi Prestige Credit card, Citi XXXX XXXX XXXX credit card ( active still ), and Citi brokerage account with over {$1.00} XXXX balance.
We have been very timely and careful with our credit usage at Citi. A review of our account will show we have paid everything in full and on time. We pride ourselves in being diligent in paying our bills.
My wife and I are both XXXX with a busy XXXX XXXX. We are in the process of buying a XXXX testing machine and a credit check revealed this negative information which precludes buying the machine.
The Citibank Citicards acct No XXXX _ XXXX was set up for Autodebit automatic payments from our Citi Private account by XXXX through Citi Private Wealth Banking Division. In addition, when he applied for the card, it was free for the first year. We did not receive the card, we did not activate the card and we did not use the card.
When we noted in XX/XX/XXXX that we had been charged the annual fee, XXXX XXXX from the Private Wealth Banking Division called Citicardss at XXXX who told him that the first year fee had been written off. In addition, XXXX confirmed with them that an error with Autodebit had occurred with XXXX in customer service. XXXX told me that XXXX said, This is our fault with not taking the Autodebit. We know you made the payment on time and are a very valued client. This will not be reported to the 3 credit reporting bureaus. We did not receive the card, we did not activate the card and we did not use the card.
We called again on XX/XX/XXXX, and XXXX at Citibank confirmed, This information has been corrected. You do not need to pay the annual fee. We did not receive the card, we did not activate the card and we did not use the card.
We pleaded again with XXXX on XX/XX/XXXX, who said that we were in good standing and do not be concerned. The Autodebit feature is off kilter and has been fixed. You are in good standing. We did not receive the card, we did not activate the card and we did not use the card.
We are attaching a copy of a recently obtained XXXX report which corroborates the negative information reported to XXXX and XXXX.
The Autodebit issue originated on Citicards and Citibanks end. We are ccing our Private Bankers to follow up with this. We did not receive the card, we did not activate the card and we did not use the card.
We are very loyal customers and we hope you will be able to correct this information with all 3 bureaus for us for both XXXX XXXX and XXXX XXXX.
Our community is suffering from Covid-19 cases. We hope you will be able to resolve this credit issue expeditiously please for the sake of our community.
Despite multiple attempts, we have not had our credit report corrected. Because of my concern about the negative credit ramifications, we paid all outstanding fees because we are loyal Citibank customers. We did not receive the card, we did not activate the card and we did not use the card. The people at Citibank we spoke with acknowledged that mistakes with Autodebit routinely occur. They assured us that there would be no negative credit information reported.
I have spent multiple attempts contacting you via phone to rectify this error. I do not feel it is fair despite multiple calls to correct this situation that I should have this negative information in my file.
Please find attached our handwritten notes of phone calls, the Citi Private Bank letter of support, credit report and a copy of our drivers license.
Sincerely yours , Dr XXXX XXXX cc : Citicards CBNA XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX.
XXXX, GA XXXX
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| 02/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My replacement credit card mailed by Citibank ( " Citi '' ) was lost or stolen and an unknown individual was able to activate the card under my account to make multiple unauthorized transactions on XX/XX/2022. I was initially alerted by the Citi Fraud Department via text and email of an attempted charge of {$1500.00} at XXXX XXXX this same day to which I immediately responded that this was not a valid charge and reported the fraud. I spoke with a representative with the Citi Fraud Department on the phone and reviewed the recent activity on my card which identified 4 other fraudulent charges ranging from {$19.00} to {$270.00} made on the same day. The representative made note of these charges and flagged them for investigation. Ultimately only 2 of the 4 charges ( both in the amount of {$19.00} ) were credited back to my account. I called Citi again on XX/XX/2022 for an update and explanation, detailing the scenario to another representative who again marked the 2 remaining charges as disputed and opened an investigation informing me that all disputed charges should have been credited back to my account. Around this same time I received a written letter dated XX/XX/2022 notifying me that the investigation and was complete and dispute closed and that the remaining two charges of {$88.00} and {$270.00} ( {$350.00} total ) would remain on my account and be my responsibility. The reasoning as per the letter was that " The card 's EMV chip was used to make the disputed transaction ( s ) at a chip enabled card reader. You verified that your card was in your possession at the time of the transaction ( s ), so we don't consider this fraudulent activity. '' Given I believed that I had just re-opened the dispute through my most recent phone call, I set the letter aside while assuming another investigation would take place. I continued to monitor my account noting no new credits had been issued, the status of the disputed charges had not changed, and I received no further correspondence from Citi. I called again on XX/XX/2022 to ask for an update on the status explaining the details once more to a representative with the Fraud Department before escalating the issue to a manager for further explanation. The manager recapped the situation with me and details of the investigation in an attempt to reaffirm their conclusion per the letter I had received back on XX/XX/2022 -- namely that the card used for the fraudulent charges had the same EMV chip as the one supposedly in my possession thus they did not view this as unauthorized activity. I first asked for clarification as to how someone besides myself could have activated the replacement card, to which she just responded that every card is different and she couldn't provide details on the exact process. She went on to explain that every card has a unique " number '' that gets picked up by the card readers, even if a replacement for a current/unexpired card ( such as was my case ), and the card used for these transactions was no different than the one I had in my possession set to expire in XXXX of XXXX I reiterated that this was clearly not the case in my situation as I had never set foot in the stores where these purchases took place at, nor was I even close to that area of town. She was unable to provide an explanation for how the stolen card may have been read the same as the one in my possession. I continued to press for resolution and asked what my other channels for recourse were and was informed the only thing left to do would be to contact the vendors directly. As expected, I was not happy with outcome and feel Citi should be responsible as they allowed the stolen card to be activated without any input from me which makes me question the security of their process for issuing/activating replacement cards. I also take issue with their claim that every card reads as unique when used as once I reported the fraud this put a temporary hold on my account and I did try to use my card to pay for parking. Though this charge did not go through and I ultimately had to use a different payment method, it did appear as a pending charge when I reviewed my account activity with the first representative. To me, that should have provided evidence of my actual location around the same time that these fraudulent transaction took place and also would have provided a record of the EMV chip reading and the supposed unique card number that Citi could have compared with the fraudulent charges, including the {$1500.00} attempted charge at XXXX XXXX that was clearly fraudulent and first alerted me to the fact that someone was using the stolen card.
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| 01/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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In XX/XX/XXXX, I noticed that there were 4 unauthorized ACH withdrawals from my money market savings account at Citibank, totaling {$19000.00}. The withdrawals occurred between XXXX. I notified the bank of these unauthorized transactions as soon as I noticed them and they provisionally credited the account on XX/XX/XXXX. However, on XX/XX/XXXX they deducted the provisional credit from my account because they " received confirmation from the originating banks that the transactions were appropriately applied to your account. '' They provided me with records of authorization from XXXX XXXX, where I found out an account was opened using my information and the money was transferred into the account at XXXX XXXX. Customer services representatives at Citibank advised me to contact XXXX XXXX and obtain documentation that the account was fraudulent. This was difficult, considering there were no branches of the bank near where I reside and XXXX XXXX would not allow me to close the account by phone, because they had to verify my identity in person.
On XX/XX/XXXX I opened up a second case to return my money, and on XXXX they responded : Based on the information you provided and our second review of your claim, we maintain our position to deny your claim and consider this matter closed.
On XX/XX/XXXX I filed a police report at XXXX XXXX in XXXX of grand larceny. The investigator assigned to my case informed me that this would be a low priority case and I have not heard from him with any updates.
On XX/XX/XXXX I opened up a new dispute with Citibank. On XX/XX/XXXX, this claim was denied, as they stated " Due to the limited time-frame that banks are allowed to return these types of transactions, we are unable to return these items. However, we previously contacted the originator of these transactions to try to recover these funds. The documentation returned to us from the originating bank confirmed your authorization. '' In the middle of XXXX, I finally made the trip to a XXXX XXXX branch and began the process of closing the account. I followed up several times with XXXX XXXX Office of the Chairman and Identity Theft departments, who told me that they were backlogged and it would take a while for my case to be reviewed. On XX/XX/XXXX XXXX XXXX sent me a letter confirming that the account was unauthorized and closed the account. They sent the letter to the wrong address, but I finally received it at the end of XXXX.
On XX/XX/XXXX, I opened up a new case in order to provide the documentation I received from XXXX XXXX. Citibank told me to fax the document, and I did but they told me they didnt receive it. Then they told me to email the document to DC.disputes, and again when I called to confirm they said they didnt receive it, and the customer service agent suggested it was because I didnt include my account #. So I resent the email with account number and I requested for them to put a note on the dispute to wait to review the case until I sent in the documents. On XX/XX/XXXX, I went to a Citibank branch and had them fax all of my documents and proof to the attention of billing disputes, as was instructed to me. However on XX/XX/XXXX, I received communication from Citibank that my case was resolved, with no other information. When I called Citibank, they informed me that he case was closed not in your favor, and they had not received any of the documents I sent. She said there was no information about why my claim was denied and told me that I should contact XXXX XXXX, as the case was closed and there was nothing she could do for me.
On XX/XX/XXXX, I spoke to XXXX at XXXX XXXX, who is the manager of the identity theft unit at XXXX XXXX. She was the first helpful person in the long process and explained that Citibank seems to wrongly have classified my claims as ACH disputes, when in reality they are online billing disputes. She said that they have had many similar fraud cases with Citibank and that Citibank needs to file an R10 - through Fiserve- so that it will appear on the suspension and return code. She stated this may also be called an EWF or compass return form. If they do this she explained that XXXX XXXX will return the money.
I am extremely frustrated that Citibank has given me so much misleading and confusing information and was classifying my claim incorrectly the whole time. They clearly did not understand the nature of the fraud and have been completely unhelpful. I need to speak to someone at Citibank who is knowledgeable about my particular situation who can escalate it appropriately. This is a lot of money and I need it back as soon as possible.
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| 01/23/2024 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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In XX/XX/XXXX, I created a Citibank checking account in order to try to take advantage of an opening bonus - you get a bonus if your account is a certain amount within 20 days of opening. I got married in XX/XX/XXXX and received many wedding gifts as checks so wanted to take advantage of this bonus.
I deposited XXXX checks on the mobile app before realizing there was a limit. I added {$1000.00} from my XXXX account and {$25000.00} from my XXXX account to increase the funds in my new Citibank account. I deposited the remaining checks into the account at a branch, then shortly thereafter realized I could not access my account online. When I called, I was told the account was frozen under investigation for fraud and was transferred to the Fraud Dept ( XXXX, option XXXX ). I wanted to know if I was a victim of fraud or was suspected to be fraudulent- they did not tell me much except that the account was under investigation. After calling daily, they told me that the account was still frozen, but XXXX of the checks ( # XXXX ) had bounced due to insufficient funds, and they were trying to reach the issuer of XXXX of the other checks to verify it. I was able to reach the gifter- she was traveling internationally because a family member passed away recently. She then called Citibank to verify the check.
Despite her verifying the check, I found out Citibank still decided to close my account. I was told it could take up to 60 days from official closure to receive my account balance in the mail. I went to a branch, as my husband and I just bought a house and were planning to move soon, and I was worried about the check getting lost in the mail. I was told they could not issue a check from the branch, nor could they guarantee I would receive my complete balance of {$36000.00}. Throughout this process, I was unable to access my account online, and only received XXXX notifications through the mail about what was going on - one notifying me of check deposits early on, and XXXX notifying me of closure.
After waiting nervously, a month later I received a check dated XX/XX/XXXX in the mail from Citibank for my account balance, but the check was for {$29000.00} and was missing {$6700.00}. I went into the branch to ask amount the remaining amount and was told there were checks under investigation and suggested I call the Fraud Dept. I called the Citibank Fraud Dept and was told that I would need to call the issuing banks for the checks and ask the banks to call the Citibank Fraud Dept to verify the checks before they could release the amount to me. They were able to give me the check numbers under investigation ( XXXX in total, XXXX mobile deposit, XXXX deposited in the branch, totaling {$6700.00} ). Because most of the checks were deposited at the branch, I no longer had any info about the checks- so I went to the branch again and they printed out a copy of the checks deposited. I noticed XXXX of the checks was from the wedding guest who had called internationally previously to verify her check ( # XXXX ). I did not call the issuing banks because I honestly did not know what to tell them, and then I got busy with the holidays and our move.
I called the Citibank Fraud Dept again today to check to see if any resolution had occurred from the investigation- the representative again told me I needed to call the issuing banks to have them verify the checks with the Fraud Dept by submitting a " harmless claim ''. I asked how I was supposed to obtain the phone number for all of these banks, and he said he could not help me. I noticed that the issuing bank of XXXX of the checks ( # XXXX ) was actually Citibank, so I asked if I could submit a harmless claim for that check, and -as if he changed his mind- he said that actually the maker of the check needed to call the Fraud Dept, not me. I asked if Citibank could contact the issuing bank directly to verify the checks, and he said no.
Trying to wrap my head around what to tell my wedding guests who had gifted me these checks, I was curious if the issuing bank had released the money to Citibank, if the money had left my wedding guests ' accounts. They verified that, yes, the money was being held by Citibank and had already been issued by the check makers ' banks from their accounts. I asked what would have happened if I never called today, or if the issuing bank never calls them to submit a harmless claim for their clients ' checks -- the Citibank representative told me the money would continue to be held by Citibank indefinitely. I asked if Citibank was doing any investigation of their own to verify the checks and was told no.
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| 05/12/2017 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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This concerns funds that were withdrawn from my money market account on XXXX XXXX for {$1800.00}. This amount corresponds to a third-party check I had deposited for my close friend on Wed, XXXX XXXX at the XXXX XXXX branch. After he called the issuing bank to verify the funds, I offered to deposit it for him as he needed to pay bills and his bank would take too long to clear. Ive maybe done this a handful of times in the 20+ years Ive had this account. I gave him what was available at the time of the deposit ( {$300.00} ) and we agreed we would look again on Friday. On th at evening, I signed onto my account on my computer and was unable to see any of my accounts. I then tried my iPhone, which also w as a dead end. Figuring there was a system outage, I called tech support hoping to get an answer as to when I would be able to sign in again for access to account information. From that conversation, I was transferred to the Fraud department, where I was informed the check was fraudulent. I was obviously taken aback as my friend had called to verify the check before giving it to me. I was told my accounts would be frozen for 5 days in order for the check to cycle through, which I was told meant clearing the bank system ; I was told to expect that process would last until Monday. My account would be restored after that. On Monday afternoon, XXXX XXXX , I rang the fraud department again and was told everything had cleared through and they would unlock my accounts. Later on, I signed on to check my accounts. At this point, the balance, including the remainder of the {$1800.00} was still there. I was confused but thought if the check truly was fraudulent, why would they leave the balance in there entirely available? It must have meant the checks funds had cleared the payee bank after all. This was good news to my friend who was frantic for the paycheck that had take n 1.5 mo nths to get, holding up bills he needed to pay. I went to the bank to withdraw the rest of money for him to a sigh of heavy relief for both of us. Additionally, the person from whom he had been calling all weekend to get information why his check would be fraudulent texted him to say he saw the check had cleared and that the matter was closed. The next evening, I went to look at my account because what I had in there was earmarked to be withdrawn. I was shocked to see at the end of Monday, the bank had debited the entire {$1800.00}. That put me out by that amount for a withdrawal I needed to make. I feel the bank has now put me in a very precarious situation. How does it unlock an account with what was claimed a fraudulent transaction and the leave the entire amount there? In doing so, Citibank cre ated confusion and clouded the entire episode it put me through. If the check was fraudulent, why had freezing my account to cycle the check through not result in its removal when the account was released back to me? Why then, put me through that ordeal? It makes absolutely NO sense. From the customers standpoint, one would logically conclude the problem was cleared up. Furthermore, the person I spoke with i n Fraud that Mond ay who released my account said nothing to the effect of You will see that check amount still in there, Please do not use it as it will be withdrawn when the account settles at the close of the day. No warning. No advisement. No mention. Nothing. At that point, my friend had already used the funds to pay his bills and has been unable to get remuneration from the checks payee. He can not reach them. I am out {$1800.00}, which I feel is due to Citibanks a ction - or in this case, non-action. The bank turned my account to me with funds that were totally cleared and available, thus making its status extremely deceptive. On top of that, I had no money that past weekend to do anything since my accounts were frozen. I would expect in all the time I was inconvenienced, everything would have been cleared up and handed back to me corrected. Later in XXXX , I got the attached debit advice after it had all happened, which is ridiculous that it came so untimely. I wrote t o Citibank on XXXX XXXX , sending copies of the letters via registered mail to my branch, their Fraud depart ment in MD ( the office to where I was directed ), and to the CEO of the bank. I 've not heard from anyone in over a month. It is bec ause of this reticence, I feel I must take additional action and get help for other sources. The a mount may see m insignificant to them, but for me, it is a large chunk of money I 'm out. I hope you can help me with this issue.
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| 08/25/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On the early afternoon of XX/XX/XXXX, I was working at my job as usual, and received a XXXX email from the president ( my boss ) asking me that he has an urgent assignment that he would like me to do if I could provide him my phone number. I gave him my number and he we started talking via text. He asked me to drive the near store XXXX by my house ( which is a bit unusual because they are stores he would already know that is nearby. He asked me him can get get 2 gift cards to give out to surprise two employees with incentives. He also mentioned that he will reimburse me back after that. Knowing that my boss left our office that morning I'm assuming he wanted to do it since I'm the newest member at work. I went over to XXXX and he asked me to send pictures of the gift cards which I did. He asked me to get XXXX XXXX XXXX to purchase which I did ( plus a a makeup I needed and an energy drink ) which totaled amount came out {$410.00}. Afterwards he asked to stay where I'm at to take pictures of the front and back of the cards. He then told me to open the cards up and take pictures of the activation codes... which I did. After a bit he then told me, " Great Job! I need you to go back and get a {$1000.00} '' and he will reimburse me {$1200.00}, {$200.00} bonus for a job well done. Funny thing about it was that I had already informed him in the beginning of the text that i don't have those kind of funds. Me being a good person I only had about the XXXX amount to get it. I knew right aware that my mind was ringing! I called my co-worker and explained everything to her and asked her the phone number of the boss. When she told me a complete different number, I burst out in tears and she had told me to come back to the office. I called Citibank right away to put in a dispute. the associate at the time said that she will send it over the dispute center and I would have to close my debit card and send me a new card. I had informed her that since I was the one that paid and physically had the card it wouldn't make sense and that I have proof that I was in a scam. She went over and spoke with her manager and came to me via phone that in order to go through the dispute I need to close my card and I said ok even though I did informed her that I am paying bills and need to have access to my card, so she told me that she is sending my card now ( XXXX XXXX ) and expeditie it.. Little did I know that after the phone conversation, i went on to my citibank account and it wouldn't let me in, finding out later that in order to get access again to my account, I need the new card. I then called days later XX/XX/16 regarding any update on my card. The dispute center asked for my reference number and I had informed to the associate the lady never gave me any info. he found my information and had told me that the associate never sent my card out. I was very frustrated but he informed me that he had resolved it and sent it out which was also expedited so I should be able to get it in about XXXX days. I received my card on friday XXXX XXXX. Moving forward as I am constantly checking my bank, I noticed that I was never refunded and haven't received any information about the dispute. I chatted online with citibank regarding the dispute and the associate XXXX had informed me that the dispute was resolved because i had authorized the payment which i had already informed them that I was in a scam where the scammer portrayed my boss while I was at work and did What I did until I realized soon after that it was a lie. I became very upset and she gave me the XXXX XXXX XXXX number which I called right away, all on Tuesday XX/XX/XXXX. I spoke with the another associate by the name of XXXX and let me tell you, I'm pretty patient through the whole dilemma but i have had it and on top that this guy was not helpful at all and would interrupt and over talk me as I was explaining my situation and how upsetting it is that they had resolved the dispute and did let me know what was going on nor even informed me! This is probably the first time that I felt they didn't care and customer service is terrible! I speak for myself because I deal with customer service where I work and would never do what these people have done to me. I hung up the phone because I couldn't deal with the guy anymore after he plainly told me I can just ask for an appeal and send the information or fax them .... I had to ask him what is the information after being silent for a couple of minutes. He was disrespectful which is very disappointing.The whole experience they had me in limbo on what was going on, no updates whatsoever.
|
| 05/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX, I logged onto my account online following an early fraud alert text with an unauthorized charge, to which I replied I didn't recognize the charge. I then saw online that a large number of fraudulent charges had been made from XX/XX/XXXX to present totaling nearly the entire credit line. When attempts to dispute the charge online consistently triggered an error message, I called the Citi Fraud Department at XXXX XXXX Pacific Time. Many calls were needed because after automated message and hold music with " high call volume '' messages, they kept disconnecting me and making me start over. Close to XXXX XXXX, I eventually connected to a representative, who noted the fraud report to the charges, but proceeded to say that only once their investigation concluded ( in 45-60 days ) would I be given a credit.
As the law ( Truth in Lending Act, as implemented by Regulation Z ) requires that a credit card lender stay collection of charges timely reported to be unauthorized entirely and fraudulent, and as the industry practice to comply with that is to issue a provisional credit for such charges pending investigation that would either be reversed or made permanent upon conclusion of investigation, I attempted to clarify with the representative that while determination of a credit/final confirmation of nonobligation to pay the charges would not occur until after a finding of fraud following investigation, I would receive a provisional credit or otherwise have collection of the disputed debt stayed while the investigation is pending.
However, the representative instead indicated that no credit would be given until after the investigation, and while any interest charges I might pay on the disputed charges would be refunded if the investigation found in my favor, I would still be required to make at least the minimum payment based upon the total ( including fraudulent ) balance to avoid late fees and the irreparable harm of reports of delinquency being reported to the consumer credit bureaus. She took this position even while on notice that there were no undisputed balance outstanding on the card, as before the unauthorized charged I had a {$0.00} balance on this account and had authorized no new purchases since that, thus making any payments due during the investigation towards the fraudulent charges. Effectively, the bank said I'd be required to front the disputed charges while they investigated to avoid very adverse consequences.
When I persisted with objecting to this based on the TILA, the representative not only did not budge, but tried to misdirect my call when I requested a supervisor to the " customer support '' team to avoid it going to someone in her own chain of command, because I objected to " billing '' requirements, even though I had no general concerns about how billing works and the TILA requirements for charges reported as fraud is clearly handled by a banks 's disputes department. After many iterations of insisting I get a supervisor in the fraud department, and excessive hold time, I was transferred to a supervisor whom she'd incorrectly headed off I had a " billing, '' not a " fraud '' issue.
After having to clear the waters, the supervisor failed to offer any assurances they would stop collection pending investigation or would not require minimum payments. Rather, he indicated that provisional credits are sometimes issued, but it is all " case by case '' and he could not comment on how my disputes would be treated and whether or when I'd get a provisional credit. While he indicated it would " make sense '' for me not to be required to make payments on the disputed balance while the investigation was pending or at all to the extent I'd had a {$0.00} balance of undisputed charges, he declined to confirm that would be what would happen in my case. He further declined to confirm that's what would happen in a case where all of the charges disputed were categorized as reported fraudulent and unauthorized when made, and not, say, a dispute with the merchant over whether the corresponding goods or services had been received.
While he invited me to follow up with a different department during business hours to find out what the position will for sure be, as both the representative and supervisor described practices in at least some subset of the cases they handle that would violate TILA, and as I'm unavailable during business hours XX/XX/XXXX and the statement closes XX/XX/XXXX ( at which point reports to credit bureaus would reflect these charges unless at least provisionally credited ), I'm moving forward with this complaint.
|
| 08/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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|
Web |
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I am writing today to file a formal consumer complaint against Citibank for engaging in unethical business practices.
At present, I have two unresolved issues with my credit card and have contacted Citibank multiple times thus far in search of a solution, and one has not yet been provided. Please find details of these two complaints below : First, Citibank has failed to apply the correct promotion to a balance transfer and has instead applied a different promotion that benefits them while being detrimental to the consumer. On XX/XX/XXXX, I used one of the three checks provided to take advantage of Citis 0.99 % promotional APR on balance transfers until XX/XX/XXXX. The check I used was numbered XXXX and detached from checks numbered XXXX and XXXX ; these two checks remain attached to the promotion letter. ( Please refer to the enclosed copy of the promotional letter with the two secured checks and the stub of the used check. ) My XX/XX/XXXX credit card statement confirms the check number that cleared on XX/XX/XXXX.
On XX/XX/XXXX, I called Citi because I received a letter in which the promotional balance transfer terms were incorrect ; instead of applying the aforementioned promotion, Citi used the 0 % promotional APR on balance transfers until XX/XX/XXXX. During this call, I spoke with a customer service representative, XXXX, who informed me that I could not change the promotion once the funds were transferred. I attempted to explain that I was not trying to do so and that it was merely the wrong promotion applied to the transfer in the first place, but he did not appear to comprehend this. I then spoke with a manager, XXXX, who merely repeated the same statement and disregarded my concern. I requested to speak with someone above her and was told only that she would message the account maintenance department on my behalf. I then received a letter from Citi dated XX/XX/XXXX, uttering the same unhelpful statement I had heard twice before : We are unable to change the Balance Transfer request once it has been received. ( See the enclosed letter. ) Second, Citibank has incorrectly allocated multiple payments in violation of their terms. To provide some background information, on XX/XX/XXXX, I completed a balance transfer to my Citi credit card to make use of the Citi Flex Loan ; this is a fixed-term loan from which I accessed funds using my Citi cards existing credit line. I have enclosed the first and current Citi statements, which provide the relevant details about the Citi Flex Plan in which I enrolled : the plan type is a loan ; the initial amount is {$4700.00} ; the term is 24 months ; the APR is 9.99 % ; the plan payment is {$210.00} ; and the remaining payments and balance are also shown.
Before I initiated the XX/XX/XXXX Promotional APR balance transfer, I made sure to call Citibank customer service to confirm that the new balance transfer would not affect the CFL. I was advised at that time that the minimum payment is {$210.00}, and all additional funds received will be applied to a balance transfer. I also visited their website to confirm this fact. However, when I made payments of {$210.00} toward the Flex loan balance on XX/XX/XXXX, and {$120.00} toward the APR Promotion on XX/XX/XXXX, only {$32.00} of the {$120.00} was applied towards the APR Promotion. However, the minimum payment for the CFL had already been applied at this point. This is concerning because Citibanks terms provided directly on their website indicate that If you have a balance with a promotional APR that is lower than their Citi Flex Plan APR, such as a balance transfer, you can not pay off that other balance unless you first pay the Citi Flex Plan balance in full. To clarify, I was not making a balance payoff on the Promotional APR, and the CFL is a fixed-term loan, so the entire {$120.00} should have been applied as a payment toward the Promotional APR balance. The CFL fixed minimum payment had been posted on XX/XX/XXXX, in the full required amount of {$210.00}. Therefore, the payment I made for {$120.00} on XX/XX/XXXX should have been applied towards the Promotional APR balance. Adding the additional payments to the CFL amount for XXXX and XXXX will cause the loan to be paid off early. This is detrimental to me because the Promotional APR balance now has a shortage that will prohibit the balance from being paid in full by XX/XX/XXXX.
Notably, the Citibank statement clearly shows the Citi Flex Plan details but does not provide the details of the Promotional APR plan. I have no indication of the current balance or applied payments. ( See the enclosed XXXX XXXX. )
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| 08/25/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2020 I went to Macy 's and opened up a Macy 's credit card and charged {$290.00} worth of dresses to the card. The store attendant said the store would send out my order next Friday when they were having a sale. That particular Macy 's store closed due to COVID-19 before they were able to send out my order.
At this point today, XX/XX/2020, I have not received any of the following : my Macy 's credit card, or my dresses that I ordered in-store worth {$290.00}. Macy 's has not furnished any evidence that this order was actually shipped out, nor have they provided me with my credit card or access to my online account to view my statement. I do not even know what my credit card number is.
In XXXX I called about 8 times over the course of the month because neither my order nor my credit card arrived. I never received confirmation or a receipt for my order. Each time I called I tried different extensions. Each extension had the same recorded message : " Due to COVID-19, no customer service agents are available to answer the phone. '' On XX/XX/2020, I received a notice in the mail that my first payment was due the next day. I tried calling Macy 's again, I emailed Macy 's, I XXXX Macy 's, and I sent Macy 's a XXXX message that I was trying to reach them and had not received my order and my payment was due. I received a response over email to call the customer service line. When calling, I got the same recorded message : " Due to COVID-19, no customer service agents are available to answer the phone. '' Since I hadn't received my credit card yet with my account password, I still was not able to access my online account to view any of my bills or check the status of my order. It would not let me make a new account since it said my account already existed. I made my first payment of around {$25.00} this day to avoid late fees.
On XX/XX/2020, I finally was able to get a hold of somebody who barely spoke any XXXX at all and disputed the {$290.00} worth of dresses on my credit card. I asked him to send me my credit card, any statements they had, and a receipt. He said he could only send it to my old address in XXXX XXXX that was associated with the account. I told him I was visiting my parents and did not know when I would be back in XXXX XXXX due to COVID. In extremely broken English, he told me it was not possible to send me any information I needed at my parent 's house.
During the rest of XXXX and early XXXX I attempted to call again probably eighteen times to check on the dispute but began receiving the same recorded message once more : " Due to COVID-19, no customer service agents are available to answer the phone. '' I was not able to speak with a live person again.
On XX/XX/2020, neither the dresses nor the credit card had been received upon this date. Besides the one time the phone had been picked up and I was able to open a dispute, I still had not been able to talk to somebody at Macy 's to change my address, or get clarity on why my order was not shipped out, nor was I able to login to my online account to see my bill because the login information needed the credit card number which I did not have.
On XX/XX/2020, I made a phone payment to their automated phone line for the items I bought in-store and took home with me that same day, but did not pay the remaining {$290.00} on my Macy 's credit card for the dresses that were supposed to be shipped out but never were.
On XX/XX/2020, I called again to get an update on my dispute. I was finally able to get a hold of an actual person. I closed my Macy 's credit card account on this date. The representative I talked with was very confused on whether or not the dispute was resolved and did not seem to understand me. I had waited on hold for an hour at this point.
A letter dated XX/XX/2020 was sent out denying my dispute to my old address where I no longer resided. I'm not sure the date it arrived. The letter did not specify why my dispute was denied. Apparently I was then sent to collections.
XX/XX/2020, I received this letter when it was forwarded to my new address. I thought this had been finalized because it was unthinkable that Macy 's would deny my dispute, for obvious reasons. I called and opened up the dispute again. I talked to collections and explained the situation. They apologized profusely, told me they would put me on the do not call list, and told me to talk to customer service. I talked to Customer Service Supervisor " XXXX, '' Employee # : XXXX, and told him I would be filing a complaint and was considering a lawsuit at this point. He opened up my dispute again.
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| 06/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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On XX/XX/XXXX, I was reviewing my Citi XXXX XXXX XXXX XXXX XXXX Mastercard monthly credit card statement in detail ( an account I canceled several years ago but continue to attempt to pay it off ) and noticed that I was being charged for something called " Payment Safeguard - Protection for your account! '' I never signed up for this Payment Safeguard protection - not via phone, e-mail, online, etc. - and just happened to notice it this time because, with the current pandemic and stressful financial times, I am reviewing my finances in greater detail. The next day ( XX/XX/XXXX ), I used Citibank 's customer service CHAT window to lodge a complaint and file a dispute. After making initial contact, I got routed to a " XXXX '' where I explained my concerns. XXXX routed me to a " XXXX '' where I had to re-explain my concerns. XXXX informed me that Citibank has a " separate and dedicated department '' to deal with such cases and gave me a phone number to call of XXXX. I cut-and-pasted the entire chat and have it in print. Before calling this new number, I decided to go back through each of the monthly records I had dating back to XXXX ... and I noticed that each month, I had been charged for this Payment Safeguard protection. I tried totaling up how much I had been charged and stopped researching when the amount approached {$9700.00}! I, then, decided to look online to see if similar complaints had been logged for similar reasons, and that's when I found your CFPB article ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-citibank-to-pay-700-million-in-consumer-relief-for-illegal-credit-card-practices/ ). From there, I called this Payment Safeguard Customer Service number that same day. Once getting to someone live via phone, I wound up talking to a " XXXX, '' who was very pleasant, where I again explained my situation and desire to file a dispute. XXXX was understanding ... and, to my surprise, she told me that her records show I had been charged for this Payment Safeguard protection dating back to XX/XX/XXXX! XXXX filed my dispute, gave me a confirmation number, and told me it could take up to 30 days for Citibank to review and that I should receive something in the mail and/or see a credit to my account. XXXX also asked if I wanted to terminate this Payment Safeguard protection ( which I did ) and mentioned that I should receive something in the mail to confirm termination ( which I have, dated XX/XX/XXXX ). I asked XXXX if I should call back in 30 days if I have not received any follow up on my dispute and she said I should. After getting off the phone with XXXX, I decided to request my records from Citibank dating back to XXXX of XX/XX/XXXXand now have proof of having been charged for this Payment Safeguard protection that I never signed up for back to the Summer of XXXX, confirming XXXX 's statement! By my estimates, it appears Citibank may, in fact, owe me an amount approaching {$20000.00}! What I currently owe on this closed account is about half this amount! Wanting to check on the status sooner, I called again on XX/XX/XXXX, and was told by a " XXXX '' that I needed to wait until 30 days had passed before following up. Today, XX/XX/XXXX, 32 days after my initial call, I called again to follow up, this time eventually being routed to an " XXXX '' ( I believe ). XXXX told me that she doesn't have an update for me and that she could file a second dispute. I asked how long it might be to hear back after filing my second dispute and she told me up to another 30 days. As I thought that to be unacceptable, I politely asked to speak with a supervisor and was connected to a " XXXX. '' XXXX was also pleasant, but proceeded to tell me that she would file a second dispute, and also suggested that it could take another 30 days for a response, but that the second dispute filing would trigger an expedited process to find out what the status is. I asked if I should call back in another 2 weeks and she suggested that might be a good idea. I find this totally unacceptable, especially considering that nothing appears to have been researched on this in the initial 30 days. I am an understanding person, and realize that the current pandemic has people working from home and this could delay or prolong follow up efforts, but we're talking a lot of money here that I am potentially owed by Citibank for deceptive practices, such practices that others have obviously had to endure in the past, and especially when I continue to try to pay them on my current balance. I'm paying them when it looks like they should be paying me back a substantial amount!
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| 05/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Older American |
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On the XXXX XXXX 18 I received a follow up email from a XXXX XXXX an employee of a company called XXXX who supposedly were looking to hire project managers. Their candidate selection/hiring process involved successful completion of training and two small projects over a 4 week period. I had successfully completed ten training assignments and was asked to complete the first project. To fund the project XXXX placed $ XXXX in a XXXX XXXX account which I was given permission to access and pay monies into my Citicard account XXXX. I paid {$3200.00} into my XXXX, ( to initially {$0.00} my account ) and then {$6500.00} to repay me for expenses incurred for the first project on the XXXX XXXX and XXXX XXXX respectively. The total {$9700.00}, was the amount I had paid to purchase goods as part of this first project. I was not going to send these goods to XXXX until my XXXX account indicated that the funds were safe in my account, both amounts were initially shown as deposited in my XXXX account but had PENDING written next to each of them on your website. After approximately 3 business days the PENDING no longer showed against either amount and I assumed the funds were safe with me and proceeded to ship the purchased goods to XXXX providing them with tracking information. On the XXXX XXXX I received an email from you/Citi stating Hi, XXXX. The recent payment of {$3200.00} that was scheduled for XXXX XXXX 2018 could not be processed. This could have occurred for various reasons. XXXX apparently informed their XXXX XXXX account that the {$3200.00} payment I had made from it were unauthorized, needless to say I have an email from XXXX authorizing such ( which I now know is worthless ). I called Citi that day and spoke to someone who informed me the second payment of {$6500.00} had NOT also been declared unauthorized. At no time did your representative provide me with evidence of our conversation but said she was taking notes. I spoke with another Citi representative XXXX ( team XXXX XXXX ) on the XXXX XXXX who informed me that the {$6500.00} payment was still in my account and had not be unauthorized/returned to XXXX and could not be from this date forward. However, on the XXXX XXXX I received the following email from yourselves Hi, XXXX. A recent payment of {$6500.00} on your Costco Anywhere Business Visa account was returned unpaid by XXXX XXXX XXXX XXXX I called your representatives that day ( XXXX XXXX ) and was finally ( believe me this was not easy ) put through to an account manager Ms XXXX XXXX who proceeded to inform me that the {$6500.00} payment had also been returned / unauthorized at the same date the {$3200.00} payment had been! Ms XXXX stated that because I did not have ownership of the XXXX account I should not have used it, even though I had been given authority in writing by its owners to use it. Ms XXXX then proceeded to defend the way she and her colleagues had interacted with me and that the processes they relied upon to interact with me the customer were sound.
I have reported this situation to XXXX and the FBI and received no acknowledgement/response from either of them to date. In discussing these events with any Citi staff I was told you/Citi do not have a fraud department and that you/Citi have all the notes pertaining to your interaction with me.
Citis process for dealing with customers.
This whole experience has been unpleasant for me. I would have hoped that my credit card company would have a ) been more protective of me b ) had much better customer support/facing processes. Specifically : Firstly, if my account had continued to show PENDING until Citi had validated it had received all monies paid into it AND that they could not be cancelled/deemed unauthorized/returned, I would not have shipped the purchased goods to the scammers and accordingly recovered my costs. Displaying PENDING against payments into my account and then removing it ( prior to you/Citi having the funds ) was VERY misleading.
Secondly, each interaction with Citi staff is not customer centric, your staff take notes and do not share them with their customers so we have no way of knowing what has been recorded or not recorded, regarding our interaction.
Thirdly, your processes/systems can not be relied upon due to the fact XXXX confirmed to me on the XXXX XXXX that the second payment for {$6500.00} was still in my account and it could not now be reversed! In talking with Ms XXXX on the XXXX XXXX, she said these funds had been returned at the same time the first payment was!
Forthly, at no point was I put in touch with a specialized fraud department.
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| 08/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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Good Afternoon, I am hoping you can help me with a problem I am having with Citibank.
In the past, Sears Citibank has sent me checks in the mail that you can cash for 0 % interest. About 2 years ago I bought my rug using one of these checks. I cashed the check for {$9000.00} to a carpet company and I was billed {$9000.00} which I paid back within the allotted time frame at 0 % interest.
Everything was great.
Recently I received these checks again, for 0 % interest for 18 months.
I called Citibank and asked the representative if I could use this check to pay off my XXXX Home Equity line of credit. She explained that yes, I could do that. I asked her if I would still get the 0 % interest for 18 months and is it okay to write the check to XXXX and not a store. Again, she said yes and suggested I deposit the check into my account, let it clear, then pay XXXX.
I had asked her multiple times if it was 0 % interest and each time she assured me yes, it was 0 % interest. During the call, no less than 3 times, she said the full amount would be due in XX/XX/XXXX. I had to correct her all 3 times that it was XX/XX/XXXX. She assured me yes it was until XX/XX/XXXX with the 0 % interest. This should have been a red flag to me that I had to correct her so many times that maybe she was not knowledgeable.
I asked for a credit line increase to {$16000.00} since my current limit was {$9000.00}.
She put me on hold and came back on the line and said I got approved for {$15000.00}.
A few days later, I cashed the check for {$15000.00} and put it into my account to let it clear first before paying XXXX. Since then, I have gotten a bill for {$15000.00}. It said on the bill that I went over my credit limit. So, I called Citibank and asked them how can I be over? My credit limit is {$15000.00}. They then explained to me that there is a 5 % interest charge for cashing the check.
I was never told there were any fees to cash this check. When I had used the first check for the carpet there were no fees so I did not expect a fee this time. We never had discussed a fee. She had assured me repeatedly it was 0 % interest for 18 months.
I told Citibank that I had asked the representative multiple times if I could use the check in this manner and still get the 0 % interest for 18 months. I went on to say never did she mention a fee of any kind.
My bill says I went over the credit limit, but when I called they said the fee was from a 5 % charge to cash the check. So, there is some ambiguity as to why I was charged.
They certainly never told me that I could only cash the check for {$14000.00} to make room for this {$750.00} fee.
At this point this issue went up to the executive offices and I spoke with XXXX at XXXX. XXXX did offer me a {$100.00} credit which I accepted. But this still leaves me with a {$650.00} fee.
XXXX told me that the representative had told me twice about the fee. I asked XXXX to play the call so we could both hear it together. She said I can not listed to it unless I get a subpoena. So, at this point I have not heard the call and have to take her word for it. I do not recollect her ever mentioning a fee. If I had, I would not have accepted the money.
( XXXX XXXX XXXX offers these checks as well and when I called them they clearly explained that there is a 3 % fee to use their checks. I declined the offer and never took the money because I did not want to pay this fee. ) So, I asked XXXX, when she told me about this fee, what did I say? She said I did not say anything. I asked her if we were both talking at the same time and maybe I didnt hear her but XXXX could not remember. Either way, the representative certainly did not make it clear that there was a fee.
There was no discussion about the fee nor did I agree to this fee.
I believe Citibank had a duty and a responsibility to clearly explain that there was fee.
You know you call some companies and when they are done selling you whatever they are selling the say now mam I have to read you this statement, and you need to agree when they have finished reading.
Why doesnt Citibank have to read some kind of statement explaining their fee at the end of the call?
It was this representatives job to fully disclose this information and to be clear and upfront about any fees.
If she had done so, I would never had taken the money.
I think since this woman made a mistake that Citibank should void this fee ( and have better training and practices and procedures in place so this kind of thing does not happen again ).
Is there anything you can do to help me?
Kindest Regards, XXXX XXXX XXXX Cell XXXX
|
| 06/06/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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XXXX XXXX XXXX To Consumer Financial Protection Bureau, Sub : Citibank is not processing and honoring new account open promotional {$400.00} bonus amount Dear Sir/Madam, I applied for a new consumer checking account ( Citibank Checking Account number : XXXX ) in Citibank XX/XX/XXXX night online. The Citibank offered {$400.00} cash bonus who meet the following criteria. -To qualify for a {$400.00} cash bonus, open a new consumer checking account in The Citibank account package by XX/XX/XXXX . -Within 30 days from the date you opened your new checking account, deposit {$15000.00} or more in new-to-Citibank founds into your new checking account. -A minimum balance of {$15000.00} is required to be maintained in the new checking account for 30 consecutive calendar days following the date you made your qualifying deposit I have attached screen sho t of Citibank promotional offer and step by step of my account applications. My new consumer checking account was processed by Citibank on XX/XX/XXXX and I made a {$15000.00} deposit on XXXX which was actually processed by Citi on XX/XX/XXXX . I maintained {$15000.00} balance all the times. So on XX/XX/XXXX , the requirement was met. When I did not see {$400.00} cash bonus credited in my account, I called Citi customer service on XX/XX/XXXX . To my surprise, Citibank said-The r equirement was met but {$400.00} cash bonus will be credited within 90 calendar days from the date requirement was met provided my account is XXXX tax certified. Kindly note- Citibank has never disclosed this 90 days waiting period and Account tax certification on their promotion offer page. I asked Citibank, what is the process for XXXX form submission. Citibank asked me to mail the XXXX form to their XXXX XXXX , SD office. Since I am in XXXX , FL, there is no Citibank location here. Citibank also informed me they cant accept XXXX via FAX. I was upset but I mailed XXXX next day and was just waiting. After abou t 4 we eks around XX/XX/XXXX , I called Citibank to check XXXX tax certification status. To my surprise Citibank told me that they have rejected my XXXX due to missing supporting documents and asked me to resend. When I asked them what is missing, Citibank did not answer my question. That time I was suspecting Citibank is just trying to find some excuse to dishonor my {$400.00} cash bonus. Well, I mailed the XXXX for m again ( 2nd time ) o n XX/XX/XXXX and waited for a month. But no update fro m Citibank. When I called Citibank on o r about XXXX , Citibank said they have not received my 2nd XXXX and asked me to mail XXXX form again. I was surprised and I was very mush sure Citibank is just lying to me. But I mailed the XXXX form again 3rd time on XX/XX/XXXX realizing there could be some issue with USPS delivery. Well, I wait for more than a month, but no update from Citibank on my XXXX tax certification. I contacted Citibank customer service multiple times between XX/XX/XXXX and XX/XX/XXXX , But overtime Citibank said they have not received my XXXX and I will not get my {$400.00} cash bonus unless XXXX receive and process my XXXX At the last, I mailed XXXX form 4th time on XX/XX/XXXX by USPS certified mail with tracking. USPS tracking # XXXX . The tracking shows, Citibank received my XXXX on XX/XX/XXXX . I called Citibank on XXXX / XXXX / XXXX and provi ded USPS tracking #, Citibank said t hey dont have any information on my XXXX and it would take 10 days to process my XXXX once Citibank receive my XXXX . Well, I waited till XX/XX/XXXX but no update from Citibank regarding my XXXX tax certification. I contacted Citibank multiple times between XX/XX/XXXX and XX/XX/XXXX and every time Citibank told me they dont have any update on my XXXX tax certification. At this stage, I am highly suspicious that Citibank dont want to honor my {$400.00} promotion bonus and XXXX tax certification is just an excuse for them not to credit my {$400.00} promotion bonus. For your kind review, I have attached a screen short of my USPS mail certified receipt and tracking details. The tracking clearly shows, Citibank received my XXXX on XX/XX/XXXX . In spite of that, Citibank is saying there is no information on my XXXX certification nor they have received it. How could it be possible? Citibank is just lying. Hence, I request Consumer Financial Protection Bureau to step in and help with resolving the matter with Citibank and help me with getting my {$400.00} cash bonus at the earliest. Thanking you.
|
| 10/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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To whom it may concern, I have had an incredibly poor experience with Citi as it relates to making a significant payment to my Costco Citi card account. One which still remains unresolved, and now will have continued repercussions on my credit report- all because of the ineptitude of Citi.
In XX/XX/XXXX, I refinanced my mortgage and as part of that, received checks to help pay off some of my credit cards- my Costco Citi card being one of those in the amount of {$4400.00}. I received and mailed the checks out to all of my creditors on XX/XX/XXXX, complete with details pertaining to which account I was paying off with the last four digits of my account number.
Creditors began posting these payments quickly, though Citi lagged behind, prompting me to contact them to figure out the situation. During my first contact with them on XXXX the Citi rep recommended that I reach out to the financial issuer to see if we may be able to provide a status update, as it hadnt appeared that the payments have been received by Citi yet. XXXX XXXX XXXX confirmed that Citi cashed the checks for my account on XX/XX/XXXX and that it cleared on XX/XX/XXXX.
On XXXX the title company received a letter that the full account number was missing on the checks, which they shared with me and promoted me to contact Citi once more. After a 25 minute phone call, the representative processed the payment over the phone leveraging the title companys account number, routing number, and check number- which bounced a few days later on XX/XX/XXXX as the funds had already been taken with the initial receipt of the checks.
On XX/XX/XXXX after reviving an email that this payment had been returned unpaid, I reached out to the title company to see what was going on and if they may have any suggestions for what to do. They said that normally they would request a stop payment but where it was visible that the check had cashed, it was not an option and that the best course of action was to contact Citi again.
During my XX/XX/XXXX call with Citi, I had a great and helpful representative assisting me. We were able to locate the check with the title companys account number, routing number, and check number again and they were able to ensure that this was to be applied to my account- though it would take a few days. The rep informed me to contact Citi on Saturday XX/XX/XXXX or Monday XX/XX/XXXX if I didnt see it post to my account before then. Fair enough.
On XX/XX/XXXX I contacted Citi again to see why the payment hadnt posted, and was getting more frustrated as I didnt know when my account would cycle and report to my credit bureaus with a high balance- when it should reflect this $ XXXX payment - having a negative impact on my credit bureau for no fault of my own. This representative said that they needed to reinitiate an investigation into the payment & gathered my contact information. When I inquired about possibly crediting the payment amount to my account to prevent negative reporting from occurring due to this mix-up, they submitted a request to have the payment adjusted & that it will process within the next 2 business days. When I asked how this would be different from the failed/returned payment credit from before, the rep said that permanently correcting the payment will require an investigation process & they couldnt provide a timeframe for this to happen. Though the credit will be posted within 2 business days while Citi looked into things further.
Lo and behold- here we are on XX/XX/XXXX and still no payment or mentioned credit has posted. At this point, I am incessantly frustrated and merely want this to be resolved once and for all. The incompetence of Citi to figure this out in over the month since things have been sent & cashed is insane. XXXX, XXXX XXXX, and XXXX all figured things out, why cant Citi. My standing is going to inaccurately be harmed as a result of Citis incompetence, which is why I am finally reaching out to the Consumer Financial Protection Bureau for assistance - clearly my own best attempts to get things resolved havent done a thing. I merely want my payment to be credited to the account the way it should have been done a month ago. I also expect that Citi pay all of the interest that has been wrongfully accrued on the incorrect balance over the past month. All of the time, money, and stress spent pouring over this situation has become incredibly frustrating and stressful. I sincerely appreciate this being brought to the attention of the CFPB for the deception and harm that Citi has brought forth during this situation.
Regards, XXXX XXXX
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| 07/01/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I was looking for concert tickets for the XXXX tour in XXXX XXXX. On XX/XX/XXXX at night I found a XXXX group named Swifties Helping Swifties ( Verified Fan Tickets Resell ) and they put up a post saying that there are tickets for XXXX XXXX and to send them a DM if youre interested. I sent XXXX XXXX XXXX a message but it wouldnt go through. I saw on the post other people have tried messaging her but it wouldnt let them and she replied to those comments so I left a comment on her post saying I couldnt leave her a message as well. She replied to my comment on XX/XX/XXXX in the morning saying to message XXXX XXXX and tagged him. I message right away him asking about the tickets and he said he has a verified seller selling 2 tickets for XXXX each. I said ok. He said to send him the money through XXXX so if ever there was an issue with the seller, he can refund me the money. He sends me his zelle email and I send XXXX to a XXXX XXXX. At first it wouldnt go through. I told him there was an issue and he said I would have to send XXXX twice so it would let me. So I do and it goes through. He said he will send the tickets. Then after a while he messages me and says the tickets are not going through and it seems like the seller needs a {$50.00} fee for each ticket for her to send it however it will be a loss for her so XXXX XXXX asked me to send the money. I send it to to the same zelle email he sent me earlier. He said I should get the tickets in 10-20 mins. He sends me a screenshot of the ticket. Then he said it seems I need to pay some fee so I can receive the tickets. I asked if its different from the first fee and he said yes. Its {$50.00} again for each. I check the screenshot and it looked weird because the font looked edited so I told him and he said Ill get it once I send the {$100.00} to a different email. This zelle is to a XXXX XXXX. So I do however hours pass and I still dont get the tickets. He updated me once in a while. He said things like Im trying to contact ticketmaster to see whats wrong, im sorry for the delay, just give me time, and updated me saying theyre helping us now. Around that time XXXX XXXX XXXX messages me saying hey sorry ticketmaster is having some issues right now but you just have to be patient so I say Ok. XXXX XXXX XXXX me saying i think its figured now but its saying I have to pay for the transfer fee which costs {$50.00} on each ticket and I dont have the money Ive used my money for my daughters XXXX. I ask if its a different fee and I ask for a screenshot the shows theres a fee needed. He said he didnt get a screenshot and that I need to transfer it right away because he has to go back to work. I ask if I can transfer {$50.00} first and he said it has to be {$100.00}. I ask for proof and he says Im making it hard for myself. I say im really uncomfortable and he said he swears on his daughters life. I ask if it doesnt go through, can I just have a refund. He says yes he will refund me if it doesnt work so I send another {$100.00} to another email which is owned by a XXXX XXXX XXXX He said XXXX let me know once he transfers it. I let him know after some time that theres still no tickets. He said it doesnt seem to be working and asks my zelle and says his wife will transfer the money in the morning. The next morning XX/XX/XXXX I ask about the tickets and he said theyre working on it. I dont get a lot of replies from him that day but I continue to message him. I say if I dont get the tickets, I just want my money back. He replies late at night saying he was at work. The next morning XX/XX/XXXX he messages me saying that he used {$200.00} of his own money to move the tickets around so it could be moved to his wifes account. I asked if I will still get the tickets and he says yes if I send {$200.00} because he needs his money back urgently. He sends an email for me to send {$200.00} through zelle but I dont give in. At this time, XXXX XXXX XXXX messages me that she helped figure out the issue. I told her I just want my money back. She said to send her {$200.00} and XXXX XXXX will send me my money back. XXXX message both of them that I can not send anymore money. They try to convince me that I need to pay the {$200.00} to get my money back. They send me another XXXX email but I said I dont want the tickets anymore and that I need my money back. XXXX XXXX blocks me. XXXX XXXX XXXX was still messaging me that it was her money and that I need to send {$200.00} to get the tickets. I try to find the XXXX XXXX and my comment on the post and it says it couldnt load anymore because they have deleted the group.
|
| 11/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is my formal legally binding statement that has been submitted to my attorney & law enforcement about the fraudulent transactions that took place on two credit cards CitiBank, NA ( Macy 's AMEX credit card ) and now a delinquent 30 day past due credit marker that has been reported to XXXX for an account that was compromised ending in # XXXX. I was explicitly informed on a recorded line amongst myself and the Fraud Security team CitiBank, NA ( Macy 's AMEX credit card ) that I would not have to make a payment towards that account that was still showing in the Macys credit card portal since it was for fraudulent transactions. The balance reporting on the account ending in # XXXX is {$2000.00} The past due amount reporting as delinquent is {$110.00}. This is not only in violation of FCRA law, it's unethical to tell a customer on a recorded line on Thursday XX/XX/XXXX at approximately XXXXXXXX XXXX cst that this card showing in the Macy 's portal would be updated to the correct card and that no payments would have to be made towards a fraudulent balance.
Now, I have a 30 day delinquent credit marker on XXXX which is a blatant violation of FCRA law. I have contacted my attorney and have submitted all documentation including police report, identity fraud report, call records and other information pertinent to this case. After reviewing the information provided I've been notified now by 2 attorneys that I'm well within my rights to pursue this further since both credit cards have been stolen and with XXXX fraud liability I have no responsibility for fraudulent transactions + the law enforcement legally binding police report where I reported this and other crimes committed against me. This is a serious issue one that I do not feel as a bank customer is being given the fair treatment in accordance with applicable FCRA laws.
I have a detective assigned to this case with Law Enforcement to retrieve other stolen property items that were taken from my previous apartment and vehicle, so I will not let this go as I'm within my legally binding rights to pursue this further.
I made a payment towards the active account ending in # XXXX and do not understand why this payment was reversed.
Someone please contact me and remove the fraudulent transactions that were reported on a recorded line for both credit cards on Thursday XX/XX/XXXX @ XXXX XXXX cst & Monday XX/XX/XXXX # XXXX XXXX XXXX & remove the 30 day credit marker on the stolen credit card account # XXXX XXXX XXXX as this is wildly unethical to tell a bank customer on a recorded line that this account and balance would be removed and updated in the portal to reflect the new account only. Then to get a 30 day credit marker delinquent on this a few months later when payments towards the replacement account ending in # XXXX were made on time? Please correct this.
Actions I have taken : 1. Communicated via phone with CitiBank, NA ( Macy 's AMEX credit card ) to report the fraud that had taken place on my accounts in a timely manner and within legal timeframe to ensure that there is no further fraud.
2. Reported this and other break in crimes which included sensitive documents, c
ards, stolen property and mail from my place of residence. I have an ongoing investigation with Law Enforcement for this and other crimes committed against me. 3. I've reached out to legal counsel and it's been explicitly clear to me after submitting the evidence, providing law enforcement officers that took my legally binding statement and report that I'm beyond within my rights to pursue this further until CitiBank, NA ( Macy 's AMEX cred
it card ) and all three CRA 's XXXX, XXXX XXXX XXXX are updated with the correct balance information and the credit 30 day delinquent marker is removed as I can not be held responsible legally for fraudulent transactions. Additionally, I have further evidence of my locations when the fraud was taken place, which is further evidence that has been submitted to the pertinent parties to prove the fraud.
4. I have submitted ANOTHER law enforcement report to report identity fraud.
Please rectify this situation in accordance with FCRA law. This situation has been very stressful and after receiving legal advice after displaying the evidence, I'm exceptionally motivated to go as far as possible within my legal rights to ensure this is addressed as soon as possible.
These details and all of the evidence has been submitted to the pertinent authorities as I await next steps.
If I receive further information about the open investigation, I will update accordingly as well.
|
| 08/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
OnXX/XX/XXXX I went in to submit the XXXX Payment for XXXX. I was under the impression that the payment was scheduled. I received an email from Citibank that my payment for XXXX was not made and as a result a {$25.00} late fee was applied.
I made several attempts the resolve this I made a payment at the time that I was notified of the alleged missed payment. This is the first time that the payment did n't process by the due date over the life of the account. All I want is the fee reversed, since it was not an oversight on my part. I also included the email communication of Citibank refusing to reverse the late fee.
From : me***********************om Subject : Late fee Date : XXXX XXXX, 2017 XXXX EST Dear XXXX XXXX XXXX ; We appreciate the opportunity to assist you.
Your account is not eligible for the adjustment of the Late Fee as it is in a closed status.
We appreciate your business.
If there is any way we can be of further assistance, please feel free to contact us.
Regards, XXXX Sr. Account Supervisor South Dakota From : as****ll Subject : Late fee Date : XXXX XXXX, 2017 XXXX EST I still would like a phone from a manager concerning the late fee issue ... When will I receive the call?
From : me***********************om Subject : Late fee Date : XXXX XXXX, 2017 XXXX EST Dear XXXX : We understand your concern, unfortunately we are unable to grant a courtesy credit for the late payment fee.
As outlined in your Card Agreement with us, a late fee is assessed when your minimum payment is not received by the due date. Since your payment was not received by the due date, any late fees are valid.
You may direct your questions/concerns in writing to the following address : Office of the President Citibank/Citigroup XXXX XXXX XXXX XXXX XXXX, SD XXXX We thank you for your business and the opportunity to serve you.
Sincerely, XXXX Sr. Account Specialist South Dakota From : as****ll Subject : Late fee Date : XXXX XXXX, 2017 XXXX EST If the Late fee is not refunded .... I would like to speak with a manager and I would like the address for the office of the CEO of Citibank ... a formal complaint will be filed with the CFPB From : me***********************om Subject : Late fee Date : XXXX XXXX, 2017 XXXX EST Dear XXXX We have reviewed your account and have determined that the late payment fee is valid. We offer several different options to have your payment post to your account on time each month.
Enroll in our free AutoPay program and your payment will be deducted automatically from your checking or savings account each month. Your bill will be paid on time, every time. There are no checks to write and no due dates to remember.
To enroll online, go to the Payments drop down menu and select Enroll in AutoPay. For more information regarding fees, please review your Credit Card Agreement.
Regards XXXX Sr Account Specialist South Dakota From : as****ll Subject : Late fee Date : XXXX XXXX, 2017 XXXX EST I logged onto online banking o XX/XX/XXXX to schedule my payment for this month for the amount of XXXX. You can check with online banking to confirm that I did login on. No idea why the payment didnt stick. I know that you have the ability to adjust fees on the account. So saying that unable to adjust fees is bogus untrue. I am requesting a fee waiver for a payment that I was under the impression that was going to post on time. If you refuse I will be contacting CFPB and file a complaint that you are unwilling to work with your customers for something that could been a online banking error and not customer oversight.
From : me***********************om Subject : Re : Late fee Date : XXXX XXXX, 2017 XXXX EST Dear XXXX XXXX XXXX , We have reviewed your account and have determined that the late payment fee is valid. Our records indicate a payment of {$60.00} was due on XXXX/XXXX/2017. We did not receive your payment on or within due date, thus a late payment fee was charged to your account. Unfortunately, we are unable to remove valid late payment fees. For more information regarding fees, please review your Credit Card Agreement.
Unfortunately, we are unable to accommodate your request at this time ; however, we appreciate the opportunity to explain our position.
From : as****ll Subject : Late fee Date : XXXX XXXX, 2017 XXXX EST To whom it may concern, I set a payment up on XXXX/XXXX/2017 before I left on vacation. Unfortunately, it apparently did not go through as I thought it would. As soon as I found out it was past due, I completed a payment to bring it up to date. Can the late charge be waived as a courtesy? Thank you for your consideration.
|
| 11/19/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
[ NOTE : Some of these dates are estimated since I did not keep the names and dates/times of my contacts with the bank. I never expected to have this much trouble with Citibank. ] On XX/XX/2019, my wife ( XXXX XXXX ) and I ( XXXX XXXX XXXX ), began the online process required to open a Citi Accelerate Savings account with Citibank. We wanted to get the account established to hold funds held elsewhere with a much lower interest rate and to receive our occasional retirement fund distributions. I am not sure why, but the online application portal would not allow us to complete the application online so we called a toll-free number we saw on the screen and were connected with a telephone representative of Citibank. He assisted us in completing the application by phone since the online application was not working for us. After 20+ minutes, we were told that we had completed all we could by phone and that we would receive a packet of information to complete the application process and to fund the account. We received the packet on/about XX/XX/XXXX. I reviewed the packet over the weekend and called the bank the following week ( XXXX ) with a few questions to clarify their instructions for completing the application and funding the account. On XX/XX/XXXX we completed the two separate steps the bank required submitting a W-9 form and signature card ( going to one address ) and the funding check ( {$6000.00} ) and deposit slip to fund the account ( going to a different address ). About a week later, I contacted the bank at the same telephone number as above and asked for a status update on our account application and the documents we had submitted. The customer service representative was not able to confirm that any of what we had sent had been received. However, they informed me that we had not responded to an email from Citibank, one that I had not seen and as a result had not responded to. The email informed us that we had to provide a copy of a credit card or utility bill in order to verify our address. I was facing a deadline to use the new account to transfer my wifes annual Required Minimum Distribution ( RMD ) from her IRA account. That payment was due to be made on XX/XX/XXXX. Because of this deadline, I asked the representative to help me expedite the submission of the additional required documentation. I was hoping for an electronic submission online since I wanted to speed-up the process, hoping for something quicker than a mailed submission. I was transferred to a manager who assisted in setting-up this online document submission option. He sent me a link to a submission portal and I then submitted a scanned copy of a credit card bill. After I clicked the submit button, a screen popped-up which told me that I could expect the submission to be processed in 5 10 business days which was much longer than I had hoped. This meant the online submission was still not going to be done in time. I established a new destination for forthcoming RMD payment. I also decided to wait to see if the process would be completed as I had hoped. The XX/XX/XXXX deadline came and went and I had the RMD funds transferred to another account. On XX/XX/XXXX I called Citibank to ask for an update. I spoke with XXXX ( Team # XXXX ). I wanted to find out the status of our application and to confirm that they had received our funding check sent two weeks earlier. They were unable to confirm that the check had been received so I decided I wanted nothing more to do with Citibank. I requested that they immediately return my check and withdraw our account application. I asked the representative to confirm where the check was in the Citibank system and to call me with that information and to confirm that the application had been withdrawn. I have yet to receive a response from her. On the next day, XX/XX/XXXX, I went online at XXXX XXXX since that is the bank we wrote the {$6000.00} funding check on. I noticed that our check was presented for deposit on that day. On XX/XX/XXXX I saw that the check had been deposited. On XX/XX/2019, I called Citibank again and spoke with XXXX ( Team # XXXX ) and asked for an update. I was told that there were no notes in our accou8nt file from XXXX ( Team # XXXX ) with any reference to the request to close the account and to refund our {$6000.00}. I would like to receive my funds from Citibank immediately, but they have no process for committing to do that. I dont trust that the money will ever be seen again. Others would be wise to stay away from Citibank ... they seem unable to provide anything like good customer service.
|
| 08/19/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
This past XX/XX/XXXX while looking at my credit card bill online, I noticed some fees for a service called “Enhanced Debt Protection”, I also noticed that it had nothing to do with the interest being charged every month so I called Best Buy credit card customer service to find out what was going on. Well, it was worse than a mistake I had expected, it turns out on XX/XX/XXXX I was somehow enrolled in Enhanced Debt Protection through Best Buy credit card completely unknowingly. It was years ago, but thinking it may have been from when I upgraded my sound system for my car when I was XXXX, but I do not recall if that is correct. Fast forward to over 7 and a half years later I am livid to find out that I have been charged for "Enhanced Debt Protection" without my knowledge....for 7 years and 4 months of my adult life. In the letter they sent me, they said since I was "protected by the benefits of the program up until canceling, all previous fees are non-refundable". Those fees were being charged without my knowledge for over half of my adult life. This WHOLE time I thought I was paying down interest, but mostly just this hidden "Enhanced Debt Protection" fee. I know there were also times I paid that “pay over the phone” fee which is also a complete joke to actually charge customers that. I have also paid my fair share of late fees in my earlier XXXX, but that is beside the point. I was floored to find out I was paying who knows how much for Enhanced Debt Protection for 7 years and 4 monthsI have statements ready to submit to CFPB dating back to XX/XX/XXXX regarding this “Enhanced Debt Protection” that I had no idea about. I have contacted Citi Bank four times to request they send the rest of my statements from beforeXX/XX/XXXX all the way back to XX/XX/XXXX(a month before I was enrolled in EDB program with CitiBank). After saying they can put in a request to get me all the statements, not all of them arrive in the mail. Then my second time calling the Best Buy credit service line they say they can get me some statements, but can't get me other statements, etc. Two months now we've been going back and forth....they did send me a set of statements....but there are three years missing. They say there is a period where Best Buy Card was owned by XXXX XXXX and another time XXXX so they can't get me that info, told me they could get me 6 more months of statements but they still haven’t shown up in the mail. I should be able to login to my paperless statements via email link to see statements as my consumer right, correct? but alas it will not work. I've tried to estimate the correct amount of so-called Enhanced Debt Protection fees I paid without knowing it, but cannot be completely accurate without paperwork with the exact amount of fees. I am estimating that it is AT LEAST the equivalent of $XXXX in fees at this point in my adult life. I originally got this card and account with Best Buy to buy my first laptop for community college before transferring to XXXX XXXX University to pursue my dreams. First-person to go to college in my family, and graduate. The deal was no interest for 12 months. I could definitely do that! So I signed up for the card. I told many people I knew who also grew up poor like I did that it was a great way to go if you didn’t have $XXXX saved up for a new XXXX laptop! Then after I pay that off (on-time) I get completely XXXX over by using this credit card in the future. Side Note on a further complaint I think I will be submitting next month...I noticed that the 2nd laptop I bought for work this last XX/XX/XXXX on my Best Buy card with no interest for 12 months deal....it only shows I've paid $XXXX on the promotional balance under the details tab when under the payment history it shows I have paid $XXXX towards the $XXXX purchase made XX/XX/XXXX. It says the deferred interest is a total of $XXXX. Although I am going to pay the entire balance of the purchase within 12 months I still have a feeling that because I have a previous balance on my card that I will get slammed with the deferred interest, because I read that on a list of complaints on this site as well. Honestly, all of this is so sneaky I wouldn't put it past Citi Bank and Best Buy, I feel SO taken advantage of. it's beyond infuriating, how can they get away with this stuff with so many people? If I don't get money back from these fees, I am NEVER buying anything on my Best Buy credit card EVER again. I have attached all necessary statements including letters denying to refund fees for a “service” I had no idea I had even signed up for.
|
| 06/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
I had met the terms of a bonus promotion used to open an account package at CitiBank in XXXX of this year. I was owed a bonus to be paid out in XXXX, which was confirmed by multiple agents. In hopes of remedying the issue, I had spoken to 7 agents over the last 4 days, with no actual resolution. This included spending over 4 hours speaking with agents that led to no resolution and a compounding concern that the custodian of my financial assets can meet their financial obligations. Multiple agents had confirmed that I was eligible for the promotion and/or should have been paid the bonus in XX/XX/XXXX. The last agent I had spoken to stated that a case was filed with a resolutions team and the case should be handled in 20 days. They also stated that I would have to keep my account ( s ) open with CitiBank with a {$1500.00} balance to access the bonus ( once remitted ) and avoid maintenance charges. It seemed as though CitiBank purposely instated a system that promised bonuses to customers, and made it unduly burdensome to receive the bonus once eligibility requirements were met. I feel as though CitiBank had not only wronged me in failing to provide me with the bonus they are obligated to pay me, diminished my faith in the financial system, but also robbed me of time/energy by maintaining a system of problem resolution that is plagued by issues/inefficiencies ( consuming massive quantities of time from consumers to gain any important information or obligated remedy ). It seems as though CitiBank preys on consumers through a tactic of baiting consumers with bonuses, and then making it nearly impossible to receive the bonus through a complex web of customer service vehicles that are defined by long wait/times and agents that are either unable or unwilling to resolve issues ( that even they admit should have never occurred ). I have spoken to a total of 7 agents. The first three were contacted on Saturday Morning. The first agent ( named : XXXX ) was contacted through chat ( screenshots attached below ) and stated that the bonus should have been paid already. XXXX told me to contact the CitiBank phone number, as he lacked the ability to process the bonus. I then spoke to representatives over the phone immediately after the chat conversation closed. The second agent spoken to over the phone was a manager named XXXX ( id : XXXX ). This manager stated that XXXX can not remedy the issue and to call in again at a later time as there are " system issues '' that prevent XXXX from forwarding a case to the resolutions teams. XXXX also discussed the possibility of providing an inconvenience fee for the time/energy expended in addition to the delay in providing a resolution to my problem. As of today, I have received no credit or communications regarding the credit. Today ( XX/XX/XXXX ), I had spoken to 4 additional agents ( Total:7 ). The first two ( one of whom was named XXXX ) ultimately stated that I would have to speak a resolutions specialist. The resolutions specialisXXXX named XXXX ( Id : XXXX ) after reviewing my account and placing me on hold for the 6th time over the full course of corresponding to Citi regarding this bonus issue filed a case ( Case # can be provided if requested ) and forwarded it to another " back-office team '' to review. XXXX stated that I should receive a letter in the mail in 7 days, possibly longer due to the pandemic, to confirm the case being filed. XXXX stated that he saw no notes/records of an inconvenience fee being issued or even discussed by the internal team. I was then transferred to the 7th agent, XXXX ( ID : XXXX ). She stated that CitiBank offers no credits for failing to pay bonuses and requiring customers to expend hours of time/energy trying to resolve the matter. She stated she would forward my complaint to a " Supervisorial Team ''. She also stated that it may take 20 days for my bonus case to be reviewed and closed. Also, to receive my bonus I would have to keep my accounts open with Citi until the bonus is deposited ( despite having already met all requirements for the bonus, something which she confirmed ). Lastly, to keep the accounts open without incurring a fee I would have to maintain a relatively substantial account balance for which I would earn interest rates that are far below average for other banking institutions.
I have am a senior citizen who has been banking for decades, and this is the first time I have been so frustrated with a bank that I felt the need to file complaints with government bodies.
The promo code is XXXX and a copy of the original promotion is attached.
|
| 02/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Around XX/XX/2020, I ordered my cardholder agreement on Citibanks website. Shortly thereafter, the cardholder agreement disappeared from the Notifications and Letters page. The agreement Citibank sent me was not the Costco cardholder agreement.
On XX/XX/2020, I spoke to XXXX in the executive office. I told her Citibank did not send me the correct cardholder agreement and she referred me to Costcos website. I told her Citibank was responsible for getting me the right agreement. Shortly thereafter, I noticed the agreement vanished. I tried to order another agreement, and Citibank no longer displays the option to order agreements on the website.
On XX/XX/2020, I notified billing disputes in writing that I was receiving e-mails regarding billing disputes and was instructed in the e-mail to log on to the account and to go to Notices and Letters to review the documents. I told them nothing was showing up and that they needed to alert their IT department to the problem.
On XX/XX/2020, I notified I notified billing disputes in writing that I was receiving e-mails regarding billing disputes and was instructed in the e-mail to log on to the account and to go to Notices and Letters to review the documents. I told them nothing was showing up and that they needed to alert their IT department to the problem.
On XX/XX/2020, I spoke to XXXX in the executive office. I explained to him as well that I was provided the wrong agreement and he referred me to Costcos website. I told him Citibank was responsible for getting me the right agreement. I informed him the previous agreement I had ordered had vanished from the Notifications and Letters page. I stated Citibank removed the option to order it online. And I further told him dispute notifications had also vanished, although I managed to download some of them before it happened.
On XX/XX/2020, I called Citibanks 800 number. I talked to XXXX. I asked XXXX for a copy of my card member agreement electronically and by mail. XXXX stated it would appear in the Notifications and Letters page within 24 hours. I received an e-mail notification alert saying it was there. I logged onto the Citibank website and there was nothing there On XX/XX/2020, I talked to XXXX in customer service. I asked her for another cardholder agreement and explained the problem with e-mail notifications and that nothing was appearing on the Notifications and Letters page. XXXX said I have been the 2nd or 3rd person to complain to her in the last week about the problem, and all the people that had complained before had dispute notifications disappearing. I told XXXX I was also having a hard time with letters and notifications on disputes. XXXX said she would send it out again. I told her if it didnt appear again that I would call back and request another one.
On XX/XX/2020, I talked to XXXX in customer service. I asked for a copy of my cardholder agreement. I told him it wasn't showing up in the Notifications and Letters page. XXXX put me on hold and stated was going to discuss with escalations team. XXXX stated they had just sent it out ( I told him it still wasn't in Notices and Letters ) and he replied I would get it in 7 days.
The Notices and Letters Notifications states that documentation will be left there for 12 months from the date made available. As you can see, I have 11 notices. I should have more than 11 notices. Documentation has vanished.
I am signed up for paperless settings. Citibank has nearly always sent dispute and other notifications by this means. They rarely send me one by US mail, although there are a few exceptions.
Finally, I have asked billing disputes in writing for complete dispute paperwork including the merchants response on nearly all of my disputes. To date, I have only received a few in my Notices and Letters page.
I am asking that Citibank send me the appropriate paperwork on my disputes. I am providing you with screen prints of the Notifications and Letters page to demonstrate the proper paperwork is not there. I am also providing you with screen prints of the e-mails sent to billing disputes alerting them to the problem starting on XX/XX/2020. I am sending you screen prints demonstrating I am signed up for paperless setting as well as the terms and conditions. I am finally sending you a couple of examples of the e-mails I am receiving with the dates included so you can compare it to the page in order to demonstrate they are not appearing.
I dont understand why this problem hasnt been fixed. The executive office needs to get involved to get this problem cleared up.
|
| 04/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On Monday XX/XX/2021 evening, I called Citibank a few times regarding my checking and savings accounts regarding missing bonus. At XXXX ET, when I called again, I was transferred to 3 different employees including a supervisor who were not able to assist him. I requested a manager or a specialist to call me back to assist me with my questions.
The supervisor placed me on hold while looking into my account/looking for a manager. The supervisor did indicate someone would call me back within 2 to 24 hours. While I was still on hold, a male called me and introduced himself as XXXX from Citibank from phone number ( XXXX ) XXXX ( Arizona ).
XXXX asked for my personal information in order to verify my identity, such as my name, date of birth, Social Security Number, ATM card number, security code on the back of the card, card expiration date, address, phone number and email address. ( Some of these questions are normally asked by a Citibank employee when I call them ) He also sent me two text messages to my cell phone with a PIN that I had to read back to him.
After the call with XXXX, I realized my online bank account password was changed without my permission and I was no longer able to access my online account. I called Citibank hotline immediately and I was told that someone moved a total of {$1000.00} ( two times, each time {$500.00} ) from my savings account to my checking account. And {$450.00} was then transferred out of my checking account using XXXX to XXXX, Texas. I did not authorize any of these transactions. I never worked or lived in Arizona or Texas and do not know anyone there.
This XXXX was able to tell me the name of the Citibank representative I spoke with previously. He was able to tell me my bank account balances and he knew that I just called Citibank and was waiting for a call back from Citibank. Therefore, this fraud person either was listening to my call with Citibank the whole time or had access to my bank account.
I immediately reported this fraud to Citibank ( case # XXXX, dated XX/XX/2021 ). Citibank refunded me the money and closed the investigation without providing me with an affidavit. I had been requesting the affidavit since XX/XX/2021 but I was given the run around. The Customer Service Hotline referred me to the branch ; the branch said only the Fraud Dept by phone could issue that document ; The Fraud Dept said this is a simple dispute issue and the Dispute Dept would handle it. Dispute Dept said The Identity Theft Solutions Dept was the one to handle since my identity was stolen. Identitty Theft Solution Dept referred me back to the Dispute Dept. Dispute Dept said since I got my money back, the case was resolved and closed.
No dept was able to help and they did not take this fraud seriously! I never answer any unknown calls. But this time it was because I was expecting a Citibank employee to call me back, and this " XXXX '' knew all the call information. That's how he made me believed that he was actually from Citibank.
Although I did not lose money, I lost the most important thing, which is my personal identifying information such as my social security number, date of birth, address, phone number, email address, ATM card number and security code. My identity was stolen and was account and money was accessed without my authorization. I do not know what these thieves will do with my information. Citibank did not safeguard my information because somehow the fraud person was listening to the call. And they are not investigating after it occurred.
All I got was a letter dated XX/XX/2021 from Citibank stating the issued was resolved and I did not lose money. However, the police will not accept that as proof. The police said I must submit an affidavit fraud from Citibank, which I have been requesting since XX/XX/2021.
In additions, I have called every week to follow up. Some representatives said you are still working on the case. Some said the case has already been closed. Everyone gave me a different answer. But the one who told me that they are still working on the case, I must keep the account opened in order for them to continue with the investigation. This does not make sense because the fraud people have all my information, they can pretend to be me and take my money again anytime.
I am not attaching any of my bank transactions because you already have it.
I am requesting an affidavit fraud to be sent to my mailing address in file immediately so that I can file a police report in order to protect my personal identifying information from being used illegally.
|
| 11/13/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Hi CFPB!
I want to report my horrible experience with Citibank Wire Transfer. FYI, until today XX/XX/XXXX, I still haven't received my money back in my Citibank account, after numerous calling attempts. Here is the timeline : - On XX/XX/XXXX, via Citibank online, I sent an international wire transfer to XXXX. It is for an agency that takes care of XXXX visa process.
Between XXXX to XX/XX/XXXX, I called Citibank Wire Transfer Specialist XXXX to check if the wire transfer was successful or not, and whether the receiving bank has received the money.
- On XX/XX/XXXX - after I learned I had the recipient 's name was incorrect ( everything else was correct ), I called Citibank Wire Transfer Specialist to correct the name, and resend the fund. I was told it would take about 4-5 business days.
Between XX/XX/XXXX to XX/XX/XXXX, I called Citi Wire Transfer almost every day to check on the status.
- On XX/XX/XXXX, I called and spoke to a rep. who told me, she would " ask for the status of the fund, where it is, and get a confirmation from the receiving bank ''.
- On XX/XX/XXXX, I called and spoke to another rep, who surprisingly told me, that my fund was rejected and returned by the receiving bank on XX/XX/XXXX at XXXX, and that Citibank has my fund, but has not been returned to my Citibank account. So I told the rep, that I would like to RECALL my fund. He said he would process it, and it would take 4-5 business days. And of course, the amount of fund returned is less than what I had sent, due to currency conversion. I was upset that the rep I had spoken a day before, on XX/XX/XXXX, did not tell me this detailed information. Very weird.
- On XX/XX/XXXX, after more than 5 business days passed ( 7 business days to be exact ), my fund is still not refunded to my account. So I called the Wire Transfer Specialist number again, and I was told, their back office was confused, not sure if I want to resend or recall the fund. At this time, I got angry at the situation! I told the rep, clearly, I had told a rep on XX/XX/XXXX, I wanted to recall my fund! So the rep said, she would escalate my request. I was very upset and asked to speak to a supervisor. So she put me on-hold for my 5 minutes, but then ... .I was transferred to the Citibank main menu XXXX that has nothing to do with the Wire Transfer Specialist number! Unbelievable!
- On XX/XX/XXXX, I got a Citibank XXXX XXXX involved. He called the Wire Transfer Specialist number, and got the answer, which was shocking... .the back office is still confused on what to do with my fund, should they resend it or refund it! OMG, so incompetent! My Banker was promised that my case would be escalated ( again for the 2nd time ), and it would take 2-3 business days to refund my fund.
- On XXXX and XX/XX/XXXX, I checked, my fund is still not refunded, yet, and it has passed 3 business days. I contacted my Banker, and he suggested to wait until Friday XX/XX/XXXX.
- On XX/XX/XXXX, I checked my account in the morning, the fund is still not refunded. So I called the Wire Transfer Specialist number again, and I was told, that my fund is still not refunded or credited to my account because their accounting department is swamped. And that she would escalate it again ( the 3rd time ) to her supervisor, and she promised that my fund would be refunded either end of day XX/XX/XXXX or Monday XX/XX/XXXX. I also called my private banker and emailed him in the morning of my conversation with the rep, and how frustrated I was. He called late in early evening, with no resolution. I just checked at the end of the end, the money is still not refunded!
As a consumer, I have been very patient and very frustrated at the same time, of how incompetence Citibank is! As a consumer, I've been burdened by having the responsibility to keep checking almost every single day, and STILL NO POSITIVE RESOLUTION! FYI, no one, I repeat, no one from Citibank would call or email me on my fund status, what happened to it, etc., I HAVE TO BE THE ONE WHO CALLS THEM! This outsourcing work clearly doesn't work, I have to deal with incompetent workers! Also, the telecommunications via phone sometimes are horrible, not clear or choppy, frustrating. Sadly, NO ONE AT CITIBANK IN THE US CAN HELP! THIS IS REALLY TERRIBLE! I FEEL LIKE MY MONEY HAS BEEN STOLEN! I JUST WANT MY FUND TO BE REFUNDED TO MY CITIBANK ACCOUNT, HOW HARD CAN IT BE? AND IT'S BEEN 3 WEEKS FOR XXXX 'S SAKE!
I really hope CFPB can help me, PLEASE HELP resolve this issue, and make sure it won't happen again to anyone!
Thank you for your attention!
|
| 02/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is regarding dispute numbers XXXX and XXXX. The purchases were from Home Depot.
Dispute XXXX was originally for {$160.00} and {$82.00} was disputed. It doesnt list the dispute date on my dispute history but does list when it was resolved in my favor which was XX/XX/2019. Citibank issued me a credit, then a conditional credit, then a permanent credit with no additional documentation required. The dispute was over XXXX seed that failed to properly germinate and the store refused to take the item back. Despite honoring the dispute in my favor, Citibank also paid the merchant, because they stated it was a valid purchase and it did not meet their return policy even though the webpage for XXXX seed contradicts their store return policy. The manager at the Home Depot states Citibank originally approved my dispute and Home Depot appealed it, so they were eventually paid. At no time did Citibank ask me for supporting documentation for my side of the story. I would have happily provided them with the website information or I would have taken it up with Home Depots home office through the XXXX.
Dispute XXXX was originally for {$10.00} on XX/XX/2019. The item was disputed on XX/XX/2019 for {$10.00}. Citibank issued me a credit, then a conditional credit, then a permanent credit with no additional documentation required. The history shows resolved on XX/XX/2019. The dispute was over two bags of lime : one bag was damaged by water and the other bag was torn and leaked all over my car. I called the store to complain when I arrived home and discovered the problem. I returned the item, but they failed to properly process the return to my credit card. Despite honoring the dispute in my favor, Citibank also paid the merchant, because they stated the item was never returned. XXXX in the executive office at Citibank stated the lime bags were not damaged, the lime did not leak in my car, and I did not try to call the store. The manager of the Home Depot states they would never make these allegations, so XXXX was just making non-objective and accusatory accusations. Citibank records calls for quality assurance, so they will have a recorded copy of the phone call. I am asking that the CFPB ask for a copy of the recorded conversation. The only paperwork according to the store manager that is seen during the dispute process is what their home office sends them ; a signed receipt and the reason for the dispute. Then, they validate whether they believe it is a valid charge. At no time did Citibank ask me for supporting documentation for my side of the story. I would have happily provided them with what they needed to resolve the dispute or I would have taken it up with Home Depots home office through the XXXX in order to resolve it on my own. Obviously, well outside of the 60-90 day dispute period, I would not still have possession of the receipt. I believed Citibank resolved it in my favor, believing the store supported the claim that the item was returned.
I have been working with a rep through the XXXX ; they have offered to refund the seed and the lime based on the documentation I provided to the store. They are refunding it to my Citibank account. Despite acknowledgement that the website is indeed wrong and that the lime should have been properly refunded ( e-mail correspondence ), they required me to sign an accommodation agreement before they would refund the amounts to my credit card. This includes waiving the right to litigate for how this was transacted. While part of this is on Home Depot, Citibank clearly had an obligation to investigate this properly and to ask me for supporting documentation. Asking me for these documents would have avoided this entire problem. I wouldnt have needed to sign an agreement under duress just to prove to Citibank that the refunds/disputes should have been properly handled. Obviously, taking a gift certificate from Home Depot would have been of no use.
I am also asking that Citibank send me the full dispute history on these disputes including the merchants response. I have been e-mailing billing disputes about these charges since the XX/XX/XXXX, but I dont think I have previously requested these documents.
I am attaching the following documents for the CFPBs records : The XXXX Home Depot PDF file, an e-mail conversation history with the Home Depots rep, copies of e-mails to billing disputes, copies of the dispute summary, and dispute letter showing one of the credits was permanent. Most of my other dispute letters have disappeared from the Notices and Letters page of their website.
|
| 09/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My name is XXXX XXXX and I am a former citi XXXX. My XXXX XXXX is XXXX Ive worked at the XXXX for a little less than 3 years and during my last week of employment on XX/XX/XXXX, exactly {$8500.00} was stolen from my account.
$ XXXX in the form of a wire transfer {$25.00} for the fee And 3 ACH transactions totaling {$1400.00}.
I was working in the XXXX the day that it happened and the only reason I even found out was because it was pay day and I usually tend to move money around and pay bills. I immediately ran to my manager and called the employee service line in order to have them block all my accounts and block all further transactions as well as try to recover the funds. The representative was able to block the accounts to prevent any further debit transactions and we filed a dispute or so I thought. I filled out an affidavit to attest that I had nothing to do with the stolen funds and that I gain nothing from the stolen funds.
All the necessary documents were uploaded and I was instructed to call another number in order to talk to a different department who was in charge of wire fraud and they would process a different dispute on their end.
Citi banks customer service, weather it be for a customer or an employee is absolutely horrendous and they will have you waiting on hold for close to 30 min in order to get outsourced to the XXXX for a level 1 agent. I have nothing against the call centers or representatives in the XXXX but it is very common for calls to drop and there is often miscommunication between the 2 parties.
After finally getting ahold of someone who was able to put my fraud case in, the only thing left to do was wait. The representative told me the investigation would take up to 60 days in order to get any of the funds back.
I was also told that I would have to wait on a phone call from the investigator handling my case in order to move forward.
At this point Im basically at the mercy of the investigator and nothing happens for weeks. I call every week in order to get updates only to get the run around and for each representative to tell me to keep waiting and that as long as I had the affidavit signed and uploaded, everything should be okay.
Eventually the investigator calls many weeks later and pretty much interrogates me to see if I was somehow involved As a former XXXX I saw people coming in because they were scammed every single day and it was basically programmed into me not to click on any links or pick up any random phone calls.
I kept telling the investigator that I had nothing to do with it and that I just want my funds returned to me but she kept insisting on whether or not I clicked a link or answered a text or call, ( which I did not do ). And the reason they keep insisting is because Citi believes that the second you say yes to any of those questions, you are liable for the losses.
After the call was over I got no updates whatsoever and would continue to call citi begging for some sort of answer or resolution but the representatives would tell me that I needed to wait the 60 days to get an answer and I did. On the 60 th day I called and to no ones surprise, I needed to keep waiting because they still didnt have an answer.
On the 64 th day I was finally able to get my answer and Citi denied my claim for failure to safeguard my account and because they thought I was a victim of a scam.
After 64 days of losing all the money I had to my name, the XXXX that I started my career with and XXXX nearly 3 years for, the XXXX that my parents started with and have had for 35 years since they immigrated to America, the XXXX that I was once so proud to call my own denied me and told me there was nothing they could do.
And just to clarify in case you were wondering, I wasnt fired or let go either, I had resigned in order to move forward with a greater opportunity with more potential and after this experience it has been the best decision of my life.
After sending an email I received a phone call from the executive fraud department of citi telling me to rest assured and that they would re open the investigation and that they would be in contact with me to further review my case.
When in fact the only thing they did after wards was assign it to another investigator who asked me the same set of questions as the previous investigator attempting to get me to falsely agree that this was a scam and I was the one to be blamed.
A couple of weeks later I called in again for an update and found out that I was rejected again for the same reason as before and that I was to blame.
|
| 09/06/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
on XX/XX/XXXX around XXXX, I called Citibank 's phone number to make a payment by phone, which I have done many times in the past with no problems. Halfway through the automated payment introduction, I was forwarded to a live person. I immediately told them I was trying to use the automated phone payment system, to which the rep responded " well, the automated system only works when the reps are n't busy. '' Then he asked for my name, and password. I asked why he needed the password to my account because that did n't seem like information he should ask for, he responded very rudely with " you have to remember that I can already see your information. '' I again said it did n't seem right that he was asking for my password, and even considered hanging up, but he persisted, making some comment as to whether I 'wanted to do this or not ''. I reluctantly gave him my account password, to which he informed me that it was not correct. ( it was ) I assume at that point he blocked, locked or disabled my account because he insisted I give him my cell # so he could send a new password to me. I told him to use my email address, since all my Citi communications are through it. Again he got snippy and told me he did n't see an email address and he could n't do that anyway. I was still bewildered over why he asked for my password, then told me it was n't correct. During this time, I was looking at the notes and paperwork that I had on my citi account, and I was positive my password was correct, and I told him my online account was set up on XX/XX/XXXX and my password was absolutely correct. I also have a SECURITY WORD on my list of information, I asked him why he did n't ask for my security word instead of my account password. He immediately transferred me to someone else without any further comment. ( he never sent a password reset to my cell number even though I provided it. At this point I assume I was transferred to the fraud department even though it was never spoken. I once again went through this entire story, explaining that I am only trying to make a phone payment. The person I was transferred to made mention of my account being blocked, but transferred me to the automated phone system where I was able to make a payment. At the end of every phone payment, the system asks how you would like your confirmation sent to you, I always choose by email, which I did in this case as well. 30 minutes went by and I had not received a payment confirmation like I normally do. I was starting to worry about the security of my account because that phone rep took my password. So I attempted to log in to my online account to make sure the payment was made, and to change my password. I could not log in. The system did n't even recognize me as having an account. So now, almost 90 minutes later with my password in some unknown person 's possession, I ca n't even view my own account. I called Citibank again, telling the entire story yet again. The rep ( XXXX ) was nice and patient, but insisted that I did n't even have an online account. ( I did, I had one and used it to make payments from time to time. ) The password was established XX/XX/XXXX when Citi closed my original account without my authorization because someone other than me initiated a fraud question. I HAD to go online and link my new account to the old account. I believe the reason this rep could n't see my account is because the original rep who stole my password had disabled it. XXXX informed me that I would have to create an online account from scratch because the system was not recognizing my account. That would have been great except I did n't have the physical card needed to set up the account which had the required 3 digit privacy code. So, she told me she would issue a new card because I had to have that in order to set up an online account. By now I am furious, before my call to the automated system, I had no issue. Now almost 2 hours later, I had no account, someone else had my password, and I needed to have a new card issued. And I still did n't know if my phone payment was ever received. XXXX confirmed that " some type of payment activity '' was showing on my account, and for my inconvenience, she would wave the {$6.00} replacement fee for a new card. WHAT? I did n't ask for a new card. I did n't ask for any of this. I 'm a customer in good standing, trying to make a payment. It should have taken 30 seconds. Today, XX/XX/XXXX, I still have no idea if a m payment was made, and how much my account was compromised by this ill-trained rep who asked for my password.
|
| 05/23/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In XXXX I paid my balance in full and closed my credit account I had with Sears/Citibank. In XXXX XXXX I received an email from XXXX that there had been a change in m y credit score. I logge d in to view the change and saw tha t Sears was reporting I was 60 days late. I immediately called Sears to inquire how this was possible. After many different transfers to several diffe rent departments, I was finally informed that there was a past due balance on the account that had been closed for almost 2 years. I was told that in XXXX of XXXX a payment was sent in by anoth er Sears credit consumer and that their account number was input wrong in to the computer system which happened to be my account number on the closed account with a zero balance. They said at that point a credit sat on my account for 90 days. After 90 days they said any credit on an account is then sent out to the consumer in the form of a check. Sears st ated they sent me a check in the mail for the amount of the credit, approximately {$500.00}. They said it was only after the check was sent out that they discovered the error in applying someone else 's payment to my closed account and at that point charged my account back in the amount they claim they sent me a check for. I informed them I never received nor cashed any check from Sears/Citibank. They stated they would have to open an investigation to determine what happened to the check, which I obliged to. I also told them that I would provide my bank statements showing there was no deposit from them. After about a week, I was contacted by Sears who told me they determined the check was never cashed and the error would be updated and removed from my credit report. ( Error to include 60 day late payment as I was never late, nor had I owed a balance on the account since XXXX ). They told me they sent all the information to the credit bureau to have my credit report updated. I checked my credit report again in XXXX and saw that the only update to my report was that the account was then reflecting a XXXX balance, however was still reporting that I was 60 days late in XXXX . I called back and they told me that the balance update is much quicker than the late payment update ; they assured me the correct information had been sent in to all XXXX bureaus and would be removed. In XXXX XXXX I applied for a home loan and received a copy of my credit report from my mortgage lender. Sears/Citibank is still reporting to the XXXX bureaus that I was 60 days late XXXX . I contacted Sears/Citibank again and explained the situation. XXXX ( employee ID XXXX ) apologized for the trouble I have had in almost the past year with the account. Confirmed that the notes reflected in their system on my account state that there was a mix up and I did not owe a balance, nor was I late. She stated it also stated the corrected information had been sent to the credit bureaus. She said she was submitting an urgent request to have the late payment removed from my credit report. I also asked if she could fax proof to my mortgage lender ; stating the 60 day late would be removed. She consented and requested contact number, which I provided. I was informed 2 days later that the mortgage lender received the fax, but the fax stated my credit report would not be updated because they are reporting the correct information. I then contacted Sears/Citibank again. I explained my situation again to the gentleman who answered my call for what seems like th e 100th time to this company and again they were very apologetic about what was happening to me. He stated XXXX made a 'clerical error ' in selecting the document she sent my mortgage lender. The gentleman confirmed that an urgent request had been sent to the XXXX bureaus. He stated he would have a supervisor contact me personally to ensure they are doing what they can to fix this problem. I received a call on XXXX / XXXX / XXXX from a supervisor in the escalations department. She apologized and stated the negative information should be removed from my credit bureaus and that they could resend the correct fax to my mortgage lender. I have given them many opportunities to correct their error. No consumer should ever suffer in this form. Not only did I not owe a balance, I never received a phone call, a statement, or a check they claim they mailed but was n't cashed. They s ay one thing and do another. And now I 'm in the process of buying a home and this is affecting the interest rate and my credit rating. Any help would be greatly appreciated.
|
| 08/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
The following description of the events that have occurred against me has happened with Citibank and i was scammed by my having connected my bank account through the Citibank app to XXXX.
On XX/XX/2022 i received a phone call from a person posing as a Citibank Fraud Department representative. They called me and asked if i had authorized a {$2000.00} wire transfer. I told them that no i did not and they proceeded to take me through a verification process, where they read my home address back to me and asked to confirm if it was my address. I said yes and they asked me to confirm the last XXXX digits of my social security number. They then proceeded to ask on my recent transactions and asked if i had just went to XXXX and spent {$280.00} ; i told them yes. They proceeded to verify additional transactions that were on my checking account.
They said that " fraudsters '' had gained access to my online account and attempted to initiate several XXXX transactions and in order to delay alerts to my cell and email, they disabled the notifications. They said that they would then enable the notifications, so not to be alarmed as several would be coming through. I then proceeded to receive approximately 3 or 4 XXXX transaction alerts. They also sent {$25.00} to my brother in law and asked if i could call him, we got him on the line and he provided a text code that they were requesting. The fraudster then proceeded to say that he would be enrolling me in XXXX and i then received emails confirming this enrollment to my email account ; they were legitimate Citibank emails confirming enrollment status.
I also received email confirmations of new checking accounts that had been created in my name and attached to my original checking account, as well. I let him know that i was receiving these emails and he stated that it was part of the delayed email notifications that had been previously XXXX. Additionally, he said that he was reversing the activity of these accounts having been created.
From the checking account that I have had and used at CitiBank for the past almost 20 years, they stole a total of {$26000.00}. They dispersed the money across three checking accounts by creating XXXX new accounts and transferred money into those to continue making XXXX transactions. From my original checking, they wired out {$9900.00}, from the XXXX new accounts they transferred and wired {$6900.00} and {$9900.00} into the other. I had approximately {$20000.00} in cash and the difference was taken from a Line of Credit that i have connected to my checking account.
Approximately XXXX XXXX transactions occurred on XXXX XXXX ; the fraudster said that he would freeze my account for 24 hours while Citi did an investigation as to what was going on and how the wires were initiated. He said he would call me the next day XX/XX/2022 to let me know the status and give me back online access. When he called me the next day, the scam continued and he finished the last of the XXXX transactions.
XX/XX/2022 he had said that he would follow up with me one more time and when i did not receive the phone call i panicked, called citibank and found out i had been scammed. They stole my life savings and i was under the impression the entire time that i was assisting help stop fraudulent activity. I am a victim of fraud and i feel that this intrusion was due to a data leak and/or security breach at the Citibank level XXXX The fraudsters had direct access to my online bank account and the evidence of this was that they were reading my transactions back to me, creating new checking accounts that i did not request or initiate and also enrolled me into XXXX which is a Citibank program I also did not request or initiate. They had the ability to create a false sense of security with me through using the knowledge they had available to them from my personal financial account to carry out this scam and steal everything i have worked for.
Citibank has still not allowed me provisional credit while this investigation takes place and i have been using only credit cards. My accounts are frozen and they have made it extremely difficult to get proper status updates, only mentioning that i would need to wait up to 90 days before any decision could be made on whether or not they will cover this loss. Their inadequate security has allowed these fraudsters to view, manipulate and manage my personal finances. I have frozen my credit, submitted a police report, reported this identity theft at the federal level and have now submitted a complaint through your service.
|
| 04/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX have tried to protect my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ). The damages done to me under a legitimate identity theft claim in unprecedented. I am a XXXX single mother, working full time raising children to believe in the American system. Yet, national banks can make moves against me as an individual for collection on debts that could have easily been made whole by filing claims through the Federal Deposit Insurance Corporation ( FDIC ). In XXXX I did everything by the book by submitting an identity claim filed with my local police department, stating that a family friend had acquired several of my credit cards, and ran them up on charges without my knowledge. Identity theft is a federal crime, 18 U.S. Code 1028A. Aggravated identity theft, see recent USA v. Soffan ( 3:19-cr-30004 ), Massachusetts District Court , Filed : XX/XX/XXXX. This individual received several years in federal prison as a sentence and hundreds of thousands of dollars in restitution for the same crime procured against me. Yet, the person who committed identity theft against me has never been question by a federal agent or arrested for a malicious crime where I along with my entire family has been financially harmed. The national banks on the other hand have been in a position to erase these debs against me through a claim under the Fair and Accurate Credit Transaction Act. His law was implemented in XXXX by the United States Congress as a protective means against identity theft, yet it has little effect in general. The local Soffan case is an example, identity theft is run on a rather large scale in my general region. My research has shown that each of these credit card debts went through several stages, or at least should have gone through before any legitimate collection process could begin. That criteria are as follows : 1 ) My original credit approval submitted a credit card in my name for usage in purchasing goods and services.
2 ) The line of credit was packaged into a securitization in a pooling and servicing agreement, governed through the Securities and Exchange Commission, and sold off as secured receivables through such pooling and servicing agreements, normally in the XXXX XXXX dollar amounts or greater, particular securitization not researched. When any credit card went 120-days into default, then under Regulation 5000 the account is classified as sub-standard charge off status. Upon that time the receivable is reversed out of any securitized trust, WILLARD v. BANK OF AMERICA, CIVIL ACTION NO. 16-01199, and the original lending party become responsible for payment enforcement, unless the original debt is sold to a third-party under guidelines of
Henson v. Santander Consumer USA, NA., whereas if that was the case then my rights under FDCPA are VOID. ( See Attached US Supreme Court Decision June 12, 2017. 3 ) All banks in my identity theft took zero action to see that the person responsible be brought to justice like Mr. XXXX. I believe that racism has played a major part in not protecting my rights under the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ). This is not acceptable under any circumstances.
4 ) I will submit a complaint to the Massachusetts Office of Attorney General as well as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, as I can prove that the lack of honesty in going through protocol was ignored based upon my race.
5 ) At all times since the original creditor was reassigned ownership of these debts from a securitized trust did any of the bank concerns, or collection agencies file a claim with the Federal Deposit Insurance Corporation ( FDIC ), but the same banks had no problem destroying my personal credit rating, making it impossible for me to obtain mortgage approval to buy a home in a safe neighborhood.
6 ) These debt collections must be deleted permanently from all pertinent credit reporting agencies. All securitizations are self-insured through their credit ratings, insuring a premium on each pooling agreement package that is 100 % profit to all banks packaging securitizations. I filed an identity theft claim with all national banks, and I was ignored completely. I demand the removal of theses collections, the purging of my information on file, and a cease and desist from any further collection attempt, including but no limited to calls made to my cell phone and employment.
XXXX XXXX
|
| 01/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
on XX/XX/XXXX I opened via their website on citi.com a checking and savings account that they were offering a XXXX signup bonus on. I followed the prompts and opened the accounts that day. After opening the accounts I used the live chat feature to confirm that my accounts qualified. I have input that dialogue below where the licensed banker confirmed I would receive my bonus on XX/XX/XXXX. I called in to inquire on XX/XX/XXXX at XXXX and spoke with a team member for 18 minutes and she confirmed on a recorded line I qualified and submitted a dispute. She let me know I would receive an answer in 5 business days. I did not see an answer of the funds so I chatted in again and that chat transcript is below where another licensed banker reviewed my case and assured me I would see this processed by XXXX. Now the bank is telling me I have the wrong product and wont be honoring the promotional bonus even though they told me multiple times and I met all qualifying activities. Please help me resolve this. The chat logs are below and are taken from my account : ou 're now connected to XXXX.
Info at XXXX, XX/XX/XXXX : hello I just setup a new account as looking to move from XXXX I will be transferring over funds over XXXX will the XXXX bonus automatically be deposited after?
I also setup an accelerate savings account. is there any maximum amount in there at accrues the 2.9 % interest?
You at XXXX, XX/XX/XXXX : Hello XXXX.
Let me reveiw your account first XXXX at XXXX, XX/XX/XXXX : thx You at XXXX, XX/XX/XXXX : Thank you for your patience.
As I check you will receive the bonus on XX/XX/XXXX XXXX at XXXX, XX/XX/XXXX : ok sounds good You at XXXX, XX/XX/XXXX : I would like to tell you that you need to deposit the funds within 30 days from the date of opening the account and then you need to maintain that funds till 60 days and after maintaining the funds you will get the bonus within 90 day XXXX at XXXX, XX/XX/XXXX : excellent is there any maximum amount I can have in the high yield savings?
You at XXXX, XX/XX/XXXX : As i see Your account is in the Citi Priority Account Package and the minimum combined average monthly balance between all eligible linked deposit, retirement, and investment accounts is {$50000.00} or more for the calendar month before the last Business Day of your monthly statement period. When below the minimum balance requirement, a {$30.00} monthly service fee is assessed.
XXXX at XXXX, XX/XX/XXXX : understood What is the interest rate onthe savings and is there a maximum? : You at XXXX, XX/XX/XXXX : As You recently open the account so I would request you to wait for your first statement cycle once your first cycle is generated then it will show you and from our side also XXXX at XXXX, XX/XX/XXXX : im enrolled in the high yield account though correct?
You at XXXX, XX/XX/XXXX : XXXX XXXX at XXXX, XX/XX/XXXX : ok thank you!
You at XXXX, XX/XX/XXXX : Your welcome or else any issue then get back to us as we are here for your help XXXX Stay safe You're now connected to : XXXX.
Info at XXXX, XX/XX/XXXX : Hello As we are in the midst of this global pandemic, I hope this message finds you and your loved ones safe and healthy! How may I help you?
XXXX at XXXX, XX/XX/XXXX : hello by chance can you or do you work on the XXXX response team I have a ticket that I need to get resolved and had a miserable time earlier with the phone reps the transcripts earlier in my message history here have all of the confimations I am missing my XXXX signup bonus that is what I need to resolve here please I hope you are well and healthy as well You at XXXX, XX/XX/XXXX : Please allow me a few minutes while I review your account.
XXXX at XXXX, XX/XX/XXXX : no problem.
You at XXXX, XX/XX/XXXX : I appreciate your patience.
Upon checking your account and can see that your case is under investigation and please be assured you will get your bonus soon.
Also let me go ahead and raise the complaint regarding your bonus.
XXXX at XXXX, XX/XX/XXXX : do you work on the team that handles that if not can you transfer me to them You at XXXX, XX/XX/XXXX : Please be assured your case is under processing and i am sure bonus will be credited in 1-2 days Also You can speak with our supervisor they can help you in this case Let me share the number XXXX XXXX at XXXX, XX/XX/XXXX : so you can see the notes from that team?
You at XXXX, XX/XX/XXXX : XXXX XXXX at XXXX, XX/XX/XXXX : on the case sent earlier today?
You at XXXX, XX/XX/XXXX : XXXX XXXX at XXXX, XX/XX/XXXX : ok thank you very much for your help You at XXXX, XX/XX/XXXX :
|
| 08/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
SUMMARY OF COMPLAINTS : Complaint 1 : Cardholder did everything properly to prevent disputed charges from occurring. Citi made a mistake. Cardholder is being dragged through a disputes process that should never have happened.
Complaint 2 : Citi is refusing to make available the merchants response to my dispute. In fact, Citi is dragging their feet in every possible
w ay to prevent me from viewing the merchants response. Complaint 3 :
Citi did not provide any reasonable way for me to provide
documentation in advance to facilitate a determination in my favor in the original dispute, Complaint 4 : Citi is preventing me from having reasonable time to respond to the dispute determination.
On XX/XX/2020, we began a formal dispute with an office co-working space. We provided a letter to the vendor which included formal notice to cease charging our card.
On our attorney 's advice, I contacted Citi on XX/XX/XXXX to find out how to prevent the vendor ( XXXX XXXX ) from charging our CitiBusiness Select Mastercard in the future. Per the banker 's instructions, I authorized Citi to cancel and reissue the card. I was assured this would work and was the only way to achieve our desired outcome. NOTE : Everything after this point is due to Citi 's initial mistake on the reissue of the 'new ' credit card by not preventing " automatic billing transfers '' XX/XX/XXXX CHARGES : Then, on XX/XX/XXXX two charges appeared on my 'new ' Citi credit card - one for {$27.00} and another for {$1000.00}. We detected these charges and initiated a dispute on XX/XX/XXXX. Citi gave me immediate credit for the {$27.00} and initiated merchant dispute process for the {$1000.00}. There was no way for me to show in advance that I have conclusive evidence that the charges were invalid. I still have not been able to provide that proof because I want to see the merchants response first & I want to make sure I have rebutted any claims they have made.
On XX/XX/XXXX, Citi completed its review of the documents provided by the merchant and the dispute was " resolved in the merchant 's favor ''. I received a letter dated XX/XX/2020, in my online documents center notifying me of my rights in the matter. the letter also stated that a " copy of the merchant 's response is enclosed ''. I am required to respond by XX/XX/2020.
In my document center, there is a link to view the merchant response, but it doesn't work. A message displays which says Looks like this document is temporarily unavailable right now. I spent 58 minutes on a call with Citi on Monday, XX/XX/XXXX. That banker confirmed ( after reviewing the account notes ) that the bank made a mistake on XX/XX/XXXX in not preventing automatic billing transfer ; she also confirmed that I would be able to view the document online by midday Tuesday, XX/XX/XXXX.
On Wednesday XX/XX/XXXX, I still could not view the document, so I called Citi again. This time, I was told that they could email the documents to me and that a rush would be put on it. On Thursday, XX/XX/XXXX, I still could not view the document and called Citi again. This time, I was transferred 4 times, placed on hold and disconnected after 37 minutes. I then reached out to @ XXXX on XXXX for help. They told me I would hear back within two business days. I replied that I would start a formal complaint process. Within 90 minutes, an agent called me to tell me it would take 72 hours to receive the email.
I have now elected to start the complaint process.
Complaint 1 : I did everything properly to prevent the charges from occurring. Citi made a mistake. But, I am being dragged through a disputes process that should never have happened.
Complaint 2 : Citi is refusing to make available the merchants response to my dispute. In fact, Citi is dragging their feet in every possible way to prevent me from viewing the merchants response.
Complaint 3 : Citi did not provide any reasonable way for me to provide documentation in advance to facilitate a determination in my favor in the original dispute, Complaint 4 : Citi is preventing me from having reasonable time to respond to the dispute determination.
XX/XX/XXXX CHARGES : It is worth noting that two more identical charges form the same merchant appeared on my card on XX/XX/XXXX. I disputed those as well. Citi gave me immediate credit for the {$27.00} and initiated merchant dispute process for the {$1000.00}. I expect this entire storyline to play out again when Citi resolves that dispute.
|
| 04/28/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Macys Credit Card ALERT I was unable to use my card in XXXX 2023z every attempt the order was canceled. After 9 calls to Macys I was told what the issue was BUT it does not make sense and you will want to look into this one as I am a XXXX XXXX XXXX XXXX and this could be BIG! Short version/contact for detailed summary. I was advised I had a returned payment on my card and therefore I could no longer use for online purchases. This was fake because my bank had no records of this returned payment. I asked Macys for documents and they refused. Eventually I got in touch with their XXXX XXXX department and they told me everything. A payment for {$200.00} was made to Macys on XXXX according to Macys they stated the payment was retuned but how did this happen when I have my bank details in my account ready to go? I was able to set-up bank account and name the account so I didnt have to enter the information everytime I made a payment. All prior payments went through so how did this one fail? And why doesnt my bank have record of this? According to the XXXX XXXX rep I spoke she said one digit was changed in my account number. I explained this is impossible because I dont enter the deposit information as it is saved under my account for easy online payments. She then told me that I was charged {$30.00} in XXXX for this false/fraudulent/phantom payment return. She also said it happened again in XXXX, and the same digit was changed in the exact same way from XXXX she said I was not charged for XXXX returned. It seems if I did another legitimate returned payment I would have been charged. She had no explanation as to how the digit was changed and confirmed that at the time of the call, my bank account information was correct. So who changed a digit in my bank account creating a false payment scenario that I would have never been notified of because it didnt go to my bank and when Macys sent an email I disregarded because I knew my payment details were verified and secured in the quick payment as all prior payments were completed successfully. And how was this digit changed back to my original account number when I never reverified my banking details YET after many phone calls, my payment went through without issue? Had they not blocked my card for online purchase I would have never known I was charged {$30.00} for this false issue. Furthermore, why cant anyone tell me how this occurred and if legit then why wasnt my account charged the {$3000.00} fee when this occurred a second time? The customer service reps refused to provide me information and hung up on me everytime I pressed my questions. This is why I got a hold of the XXXX XXXX department on my own. They explained what had occurred but had no explanation. So I would like to know, how maul y other Macys cards had their banking information changed, a false payment sent through to create a returned payment scenario and the got charged a {$30.00} return payment fee? My guess is MANY accounts were charged falsely due to the intricacies that occurred to make this happen would be impossible for a normal person to catch and if their card was blocked alerting them of this, they probably would not notice. If it were me on this case, Id request all returned payments in the month of XXXX that used their ( already verified and available for selection via a scroll down box to select to use as payment method ) banking credentials to make payment and payment was returned. I would also request these accounts should have had prior payments made from the verified banking account selecting from the options of payment method. I never re-entered my banking details and have been making timely payments this way since in the past without issue so what happened Macys? And how much did you make from these manufactured return payment fees and if you didnt do this then please explain how my account credentials were changed and then changed back allowing me to select my bank account and make a successful payment after this issue was realized and I received a refund of the fraudulent {$30.00} fee? And if Macys claims this was legit then how was me account changed the next month? The same digit changed and the same issue occurred of a returned payment yet NO {$30.00} fee issued on that fake transaction? Feels very fishy Macys! I understand this can be confusing for anyone outside of the financial industry but please check your statements and follow-up and just because they hang up on you after 28 minutes on hold, multiple times, dont give up! Someone kind will help you eventually.
|
| 07/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
In the fall of XXXX I received a mailer promotion from Citi bank, offering a promotional bonus for opening a new Citi Checking Account. There were different levels to the promotion, but I chose to take advantage of the Citibank level where you deposit at least {$15000.00} and receive a {$400.00} bonus. I carefully read the terms and learned that the money had to remain in the account for 60 days to complete the required activity, and then the money would be paid within 90 days of the activitys completion. Also, the account had to be open when the money was paid out in order to receive the bonus.
I visited the website on the mailer, input my personal invitation code XXXX, and opened a new checking account. I deposited {$15000.00} to the account and it posted on XX/XX/XXXX. To this day XXXX XX/XX/XXXX XXXX there have been no other deposits or withdrawals from the account, and the balance remains at {$15000.00}. I have not received my {$400.00} bonus. I should have received it within 60 + 90 = 150 days of the deposit, which would been the beginning of XX/XX/XXXX.
On XX/XX/XXXX I contacted Citi over internet chat to inquire why the cash bonus had not been distributed. The representative assured me that the bonus would be distributed by my next statement on XX/XX/XXXX. Even though this would be a violation of the deadline set in their terms, I accepted this answer and waited a few more weeks. The funds were not deposited with my next statement.
I later realized they werent deposited, and preparing to set aside multiple hours of my day, I called Citi phone support. This was sometime between XX/XX/XXXX and XX/XX/XXXX. After going through many layers of automated prompts and reaching a human, I described my issue of the missing bonus. The rep informed me that the department that handles these issues only works certain hours M-F.
Later when I had more free time, I called this department on or about XX/XX/XXXX. I described the issue. The rep recognized the problem readily, telling me I should have been eligible for the bonus since they could see I fulfilled the required activities. To my memory, I did not provide them with my personal invitation code from the original mailer, because they didnt ask, and because they looked up the promotion and said they were able to find it on their end. They submitted a service request for me, Request # XXXX, saying I would receive a response in the next several days. I received a letter in the mail dated XX/XX/XXXX, saying XXXX XXXX XXXX was not offered to my account so my request was rejected as I was ineligible. It said I could provide a Promotion Disclosure as proof the offer was provided to me, with no details on how to do so, other than listing the general Citi phone number.
I assumed the Promotion Disclosure was the mailer I received, so I called again, on or about XX/XX/XXXX. I re-explained my entire issue, this time explicitly providing the personal invitation code and making it clear that I had the original mailer in-hand and could provide any information needed from it. Again the rep submitted a service request for me, XXXX XXXX. I later received an essentially identical letter, dated XX/XX/XXXX. It again said I was ineligible for promotion code XXXX. I have no idea where this code came from.
I dont know where to go from here. I read all the terms and conditions, and I even kept all the original documents I could, which is not a required step in the terms and shouldnt be required. My money has been held hostage for months. I havent been able to take it out because Im afraid that will disqualify me. I cant close the account because that would make me ineligible for the {$400.00} bonus I earned. Further, the terms state that if you keep less than {$10000.00} in the account, there is a monthly fee, so I dont want to take any of the money out and risk that.
Citi is cheating consumers out of bonuses that they earned. I thought carefully reading the terms and conditions would ensure I wasnt tricked out of my money, but even that isnt enough. I have no doubt that other consumers have been forced to give up on the bonuses they rightfully earned because they didnt have the time or knowledge to navigate Citis dense phone trees and esoteric terms and conditions, not to mention their one-sided research, the result of which naturally favor the company rather than the consumer.
All the information, dates, and reference numbers are accurate to the best of my knowledge ; I apologize for any errors. Its tough to keep track of all of this so many months later.
|
| 03/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
Older American |
|
I am writing to you because I am getting no where with Citibank and XXXX. Here are the circumstances leading up to my contacting you.
On XX/XX/XXXX, my son who lives in Florida notified of a monthly rental of a home in XXXX XXXX Florida. He sent me the link that was on XXXX list and XXXX listings. It showed pictures of the rental home as well as what the rental would include. The monthly rental was {$3000.00} a month. I told him it's too good to be true, but since he does not live to far from the rental could he please and go check it out. That weekend he drove to the residence in question, no one was home but a neighbor was home. He inquired from the neighbor if the owner was the one named in the rental and the neighbor informed my son it was and that the individual in question rents her house out on a monthly basis. Everything seem to be on the up and up so I agreed to send payments to the homeowner in {$500.00} increments totally {$3000.00}.
XX/XX/XXXX {$500.00} via XXXX XX/XX/XXXX {$500.00} via XXXX XX/XX/XXXX {$500.00} via XXXX XX/XX/XXXX {$350.00} via XXXX XX/XX/XXXX {$500.00} via XXXX XX/XX/XXXX {$150.00} via XXXX XX/XX/XXXX {$500.00} via XXXX I sent the payments via Citibank through XXXX. The person would text as well as email me on receiving payments and further details about the rental. We had rented the house from XX/XX/XXXX - XX/XX/XXXX.
We flew into Florida on the morning of XX/XX/XXXX. The owner informed me via text message she would meet me at the house at XXXX P.M. to hand the keys over. My wife and I arrive at the house at XXXX P.M.. There is a dog barking and no one is answering the door. The owner informs me she is running late and to wait. We waited till XXXX. I texted her with no rely. I phone her now only to hear the phone is disconnected. The neighbor who my son spoke to back in XXXX is outside and I inquire if he has seen the owner. He states she left earlier today after someone moved into the home. I inform the neighbor I've been trying to contact her and now her number is disconnected. I show the neighbor the phone number and he states that's not her number. He gives me the correct number to the owner. I call the number and she picks up on the first ring. I inform her who I am and she states she has no clue who I am. I inform her I have been e-mailing and texting her about her property rental and once again she is clueless to the particulars of the matter of renting her home. Then the owner starts crying as she has figured out as well as myself we have both been scammed. They impersonated her stole her identity without her knowledge. I too now have been scammed out of {$3000.00} and no where to stay in Florida.
I immediately contacted Citibank to inform them of what just occurred. The person on the other end of the phone informed me since I authorized the exchange of funds there was nothing XXXX can do to refund my lost. After explaining to the person what had occur over the period of three months assuming I was in direct contact with the owner, both the owner had her personal identity stolen as well as I was out {$3000.00}. The bank representative insisted there was nothing they could do since I authorized the transactions.
The next morning I contacted the XXXX XXXX XXXX Department who responded to my sons house to fill out a police report. The Evidence Request ID # XXXX. They informed me this is a common scam practice in Florida and That I was not the first. I told them what the bank representative told me and the officer said do not give up keep filing appeals. I also filed a F.B.I. Internet Crime Complaint Center report ( IC-3 Form ).
Upon return to New York I went to the local Citibank branch which I have been a client with since XXXX. Upon speaking with the branch manager today after I have been denied three times has informed me to contact and fill out a complaint with the Consumer Federal Protection Bureau.
So this is why I am contacting you. First I am trying to obtain getting a refund from the bank which I am now hitting a dead end. Everything seem to be legitimate until the moment we arrived at the location only to find out we were scammed, and explaining to the bank we thought everything was legitimate until we arrived only for them to inform us since we agree to send the monies we were at lost.
I don't know if you can assist us in recovering our lost, but would greatly appreciate anything you can do to help my wife and myself out.
I have the authorizations, contract, and further information regarding renting the property if needed upon request.
|
| 09/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
On XX/XX/XXXX of 2023 I applied for a job as " XXXX XXXX XXXX '' for the " XXXX XXXX XXXX '' through XXXX. After back and forth with their representative I was notified of my acceptance for the position on XX/XX/2023. After filling paperwork and providing them with a copy of my driver 's license the company informed me that they would be sending me a check for {$4900.00} to deposit into my checking account to pay their " vendor '' for the necessary equipment for the position. This struck me as odd and even odder that they wanted me to pay through XXXX.
On XX/XX/XXXX I made the deposit into my checking account at Citibank and immediately called Citibank as I was suspicious that this check appeared fraudulent. I informed them of the whole situation and my suspicion that this was part of a scam.
Citibank informed me that their systems were reading it as a real check, connected to a real account with the necessary funds. I still waited 24 hours for Citibank to finish processing.
On XX/XX/XXXX I proceeded to call Citibank again to verify the authenticity of the check. It was on this call that Citibank once again verified the authenticity of the check and informed me that it was safe to transfer the money to the account in question. I made sure to note for a second time that I felt that this might be a scam and they assured me that my personal finances were safe and protected incase this was in fact a fraudulent check. After that call I made a {$2000.00} transfer to the XXXX they requested ( XXXX account " @ XXXX '' ) and since their was a limit on the amount, the rest of the {$2900.00} was sent to a secondary account they provided through XXXX to a XXXX XXXX ( email address XXXX ).
I proceeded to call Citibank on XX/XX/XXXX to continue verifying the authenticity of the check and state my suspicion and worry.
On XX/XX/XXXX the company " XXXX XXXX XXXX '' reached out to me stating they hadn't sent enough to the vendor and that they would be sending me another check for {$4500.00} to have me deposit in my checking account and pay the " vendor ''.
I deposited the check into my accounts and immediately called Citibank, I informed them that I was beyond certain that this was bank/checking fraud but they continued to inform me that the checks were real and that my accounts were protected. At this point I held the remaining {$4500.00} in my account without dispersing them. As I was afraid that despite Citibanks assurances and insistence that these checks were real, it could not be.
On XX/XX/XXXX Citibank cleared the check in my account again and I proceeded to call them and assert my suspicion of fraud despite their promises. I informed them to stop the XXXX and XXXX transfers on my end. I filed an FTC report ( Report Number XXXX ). I notified XXXX to stop the transfer of any money under the suspicion of fraud ( Case Number XXXX ) On XX/XX/XXXX I finally had the time to go over to my local Police Department XXXX XXXX XXXXXXXX XXXX ) and file an official report of suspected fraud ( XXXX ). I proceeded to call Citibank and inform them that an official police report has been filed, yet again Citibank refused to take the situation as seriously as I had hoped they would.
Later that day I was instructed by contact at " XXXX XXXX XXXX '' to send the {$4500.00} in question to the XXXXXXXX XXXX account of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not, and have not transferred that money.
On XX/XX/XXXX I had the time to call the XXXX, XXXX branch office of the FBI. It was then that they informed me I should call the bank the checks were issued from ; XXXXXXXX XXXXk. After disconnecting from them I reached out to XXXX Bank, who finally checked into my suspicions and confirmed with me that the account was real but the name on the account was fraudulent and to send them all the information I had on the case. They then opened an investigation.
On XX/XX/XXXX without so much as a phone call Citibank bounced the checks and deducted the money from the accounts, leaving me {$4900.00} negative despite all of their assurances.
At every step of the way I informed Citibank of possible fraud and they assured me I was safe every single time. Every conversation with Citi has been noted and recorded, yet they are still saying we are liable. Every transfer made was noted through Citibank with a phone call. It is the job of the bank to protect its client from fraud, and they failed us at every step. While {$4900.00} may not seem like a lot to the bank, it is a lot to me and my family.
|
| 01/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2019 I filed a dispute on my Citibank credit card against the vacation rental company, XXXX, for vacation rental in XXXX. When I arrived in XXXX, we determined that the owner misrepresented the property. XXXX has a 100 % guarantee for all of the properties it leases online. " If a guest contact VRBO.com within the first 12 hours and the property is sufficiently different from the add, XXXX will find you another property. '' I retained every correspondence I had over 3 months with the owners of the property, I contacted XXXX within the first 2 hours after arriving and never stayed in the first property one night. XXXX did charge my Citibank card an additional {$2900.00} for the second property I found and stayed in for the remaining time on my vacation.
I filed the dispute 10 days after XXXX stated it would refund the money of the first property. I returned from my vacation on XX/XX/2019 and filed the complaint on the XX/XX/2019. Online, I could see that is that a conditional credit was issued. However, with I received my XXXX statement, it is very confusing. The transaction history of my statement does not correspond to what occurred on my account, which makes it very difficult to research and dispute.
The XXXX statement lists two conditional credits on XX/XX/2019 for {$3900.00}. Further on XX/XX/2019, the statement states that Citibank issued a reversal in XX/XX/2019. This is not possible because I did not leave for my vacation until XX/XX/2019. Moreover, the bank also reversed both those credits. The bank issued a reversal on XX/XX/2019 ( per the statement ) and again at the end of this 33 day billing cycle. The date on the second reversal is XX/XX/2019 of date of the original charge, but not the actual date of the second reversal. Therefore, as far as the statements show, at the end of XXXX billing cycle, the bank reserved the charges twice without contacting me regarding the investigation. Further, the billing statements states the bank determined the charges where valid. I am not sure how that could be because XXXX received payment for the property I actually stayed. Therefore, at the end XXXX billing cycle there is a {$3900.00} charge on my card.
In XXXX I provide the bank with all of the correspondence and copies of the guarantee. On XX/XX/2019, I notice that the charge was still on my bill so I contacted the dispute department. They stated that the resolved this issue and that it was a valid charge. I told the representative, I had not received notice of this, there was not a notice online in my account. The representative told me to provide additional information with I did on XX/XX/2019.
The XXXX statement shows that Citibank issued another conditional credit on XX/XX/2019. I received an online message on XX/XX/2019 stating Good news! Weve resolved this case in your favor and issued a permanent credit for {$3900.00}. However, when I received my XXXX statement, I did open it until almost the ended of XXXX almost XXXX because I was out of town. The XXXX statement that Citibank states, the on XX/XX/2019 the bank reversed the conditional credit, and never gave me the money back when I received the message of the permanent credit on XX/XX/2019.
On the XXXX statement, which I did not receive until late XXXX, there is a note at the bottom stating that the issue is now resolved. That statement should have been on the XXXX statement. The issue was that my online account was reflecting something completely different from my actual statement. Moreover, my statements were inaccurate and misleading because the statements do not reflect my actual transaction history as it pertains to this dispute.
I believed that Citibank has engaged in Deceptive practices as it pertains to this dispute and my credit card statements. It is deceptive how Citibank bank disclosed the account history in correctly for 4 months, which cause a lot of confusing for me. It was deceptive for the bank to issue dispute notification online with dates that do not correspond to the transaction history on the statement. But the most egregious deception is providing notice that I have a permeant credit only to find out six weeks later the bank reversed the charges without notice. The bank states that it determined the charge was valid but did not consider that XXXX received payment for the second vacation rental for which I stayed. I need help recovering the {$3900.00} plus interest of overpayment to XXXX. At the very least, I should not have pay XXXX for both the {$3900.00} charge and the {$2900.00} charge.
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| 11/25/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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PREFACE My complaint concerns the fact that, after the XXXX XXXX competently completed the majority of work in building my customized computer for me, I was no longer able to contact them by phone. So now I'm not getting the full service that I was promised, and that I paid for. See the details below.
BACKGROUND DETAILS LEADING TO MY COMPLAINT WITH CFPB 1. On XX/XX/2019, at the XXXX XXXX in the Best Buy Store in XXXX, CA, XXXX, I paid for their " XXXX XXXX XXXX '' service, which includes the XXXX XXXX technicians agreeing to build a customized computer from me.
2. The " XXXX XXXX XXXX '' ( {$190.00} ) contract was good for one year, and, among other things, included telephone technical support any time I needed it -- not just for the computer they built for me, but also for any other computer or smart phones I owned, regardless of where and when bought.
3. As I'm a computer professional, I foresaw calling them often for advanced technical advice for my computers and smartphones.
4. I also bought from the XXXX XXXX XXXX of the parts that they would need to begin building my customized computer.
3. The total amount for XXXX XXXX XXXX and computer parts was {$530.00}. They suggested I apply for their Best Buy VISA card to pay for this, and explained that card would provide an 18-month, no-interest promotional period in which I could pay off the total amount.
3. I was approved for their Best Buy XXXX card, and paid for my {$530.00} purchase with that card, taking advantage of their 18-month, no-interest promotional offer.
4. XXXX XXXX also suggested that I buy several additional parts, which they didn't have in the store, from XXXX, to get the best price.
5. I did so, and brought those parts to the XXXX XXXX, and they competently built my customized computer, and demonstrated for me that it ran correctly. The technicians there and I agreed that I should order a few more parts I should order, to complete the customization I wanted.
6. I ordered those parts from XXXX, and the last of them is expected to be delivered on XX/XX/2019. I'm then to return my computer to the XXXX XXXX with those additional parts, so that they can complete building my computer to my specifications.
7. The XXXX XXXX technicians were very competent, very cooperative, and very customer service oriented. I was pleased with their work. I have no complaints about that.
8. However, when I tried calling the geek squad on around XX/XX/XXXX regarding technical questions about my computer, I called several times for a total of 30 minutes. I tried the XXXX XXXX, Sales, and other departments in their phone tree, but NO ONE AT ALL ever answered the phone!
9. After these 30 minutes, I had to DRIVE to this Best Buy store in order to talk to anyone in the XXXX XXXX. I was NOT happy with this!!
10. When I got there, I was able to discuss in detail with one of the technicians the questions I had about the customized computer they were building. Again, the XXXX XXXX personnel were very competent and very cooperative. I have no complaints about their services.
They too were mystified as to why I couldn't get in touch with them by phone, when I had successfully done so previously.
I was also able to talk to the XXXX XXXX manager, who was very apologetic about the phone situation, and promised to help anyway she could. However, she told me that this was a corporate matter over which she had no knowledge or control.
My concern is as follows : a. Why am I no longer able to get in telephone contact with the XXXX XXXX, as I had previously been able to do?
b. Thoughts crossed my mind that, perhaps Best Buy had planned to close the store, and was gradually tapering off services. Or perhaps they were just terminating the XXXX XXXX at that store?
MY COMPLIANT : I paid {$530.00} to the XXXX XXXX as detailed above, using the Best Buy VISA card and their 18-month no-interest promotion.
Included in that amount is their XXXX XXXX XXXXXXXX, which promises unlimited tech support, not only in person at the store, but by telephone during operational hours.
All of a sudden, I can't get in touch with the XXXX XXXX using the same phone number I had used previously, after my initial deal with them on XX/XX/XXXX.
I feel that I'm not getting my money 's worth, having paid for telephone service, and then not being able to use it anymore. I also paid for computer parts at Best Buy, and am unable to discuss any details with the XXXX XXXX technicians building my computer, because no one answers the phone as they used to.
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| 02/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Recently I applied for a personal loan and was declined. I was shocked because I've always had great credit. The following morning ( XX/XX/XXXX ) I accessed my free credit report to try and figure out why it was declined. I went to the " negative '' section on XXXX 's report & filed a dispute for the issue it showed as delinquent. It has since been resolved, but only because I filed a complaint on here & contacted the credit card company directly. XXXX is still " investigating '' - even though it is already off my report.
HOWEVER, I decided to check my credit score on XXXX before applying for the loan, to ensure my credit score reflected the update to get the best interest rate. It was still pretty low, which confused me - so I was looking through my accounts on there ( they didn't have a " negative '' section ) & I found yet ANOTHER error. This one through XXXX XXXX. It showed I had a delinquent account on file - which I immediately knew was an error as I've never paid a bill late let alone seriously delinquent.
It showed I have a balance of {$3400.00} & is 120-149 Days Late/past due. I promptly called citi card to find out why they had my name on the delinquent account & to ask them to remove it off my credit report by contacting all the bureaus. The rep ( XXXX - ID XXXX XXXX ) confirmed it was not my account nor was I an authorized user on any accounts. He told me to fax over the information about the account ( from the credit report ) & to write URGENT & explain it was stalling my loan process - which I did on XX/XX/XXXX. I asked them to please call once it was done & as of todya, XX/XX/XXXX, a week later - I still have yet to hear anything.
I called in today & was told there is no way for me to contact that part of their company & it could take up to 30 days for them to have it removed. Both of the reps who were on the phone w/ me today confirmed it was not my account - that they had no record of my having a citi account being serious delinquent.
So here I am waiting AGAIN b/c of an error on my credit report. I'm beyond frustrated this takes so long when in a 5 min conversation, they can confirm if the account is mine or not. I'm ticked off that XXXX did not even have this flagged as a negative account despite their records showing it closed by the credit grantor - w/ a high balance.
Not only has this been incredibly stressful from the get go, but it's consumed a lot of my time having to call around, file disputes, file complaints, etc - all time in which I could have been working on my home biz. Money lost. PLUS as I mentioned in my former complaint because of these 2 errors, I have since had 3 of my credit cards completely slash my credit limit, due to a tanking credit score at no fault of my own. This will further damage my credit score, as it looks like I maxed out those 3 credit cards when indeed I did not. One of those cards is what we use actively for purchases. So we basically lost our lifeline and I had to borrow money from family, just to pay our bills because of this situation. I desperately needed that loan, as I had some interest free credit cards that were coming due and now I'm paying 20+ % interest, when if this incorrect information had never been on my credit report - I would have easily been granted a loan & would have a much lower interest-rate. Yesterday I even tried to have citi reinstate ( increase ) my credit limit to help my credit utilization % lower, which has a high impact on the credit score. I was declined. I'm stuck in limbo over someone elses errors.I 'm paying for someone elses errors.
I would like to know who is responsible for this incorrect reporting. I'd like to know why XXXX failed to mark it as negative account, making me lose precious time when I could have filed this dispute back in XXXX when I filed the other one. This has caused so much emotional distress and financial damage Ps. I recently checked & my credit score was in the mid 700 's before all this happened. It was lowered to XXXX due to all of these errors. I just want my credit report corrected & I want it to be treated urgently, as it is. It's sad I feel these complaints need to be filed to light a fire under peoples butts. I'm disappointed that I can't even trust XXXX to handle a dispute, which is why this time I went directly to the company ( citi ) card. I will likely file a dispute on XXXX just for a paper trail. I'm tired of wasting time on this issue. I have a sick XXXX yr old son at home right now. I shouldn't have to be doing this. I should be cuddling him.
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| 04/22/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened a Citibank checking account on XX/XX/XXXX, which promised {$400.00} upon meeting certain requirements. I have met those requirements, yet Citi continues to deny the bonus.
Under the terms of the promotion XXXX for which I applied, one had to : Open a new Checking account in Basic Account Package between XX/XX/XXXX and XX/XX/XXXX.
Within 20 days of the opening of the new eligible checking account, any owner of either eligible account must make a deposit of {$15000.00} or more in New-to-Citibank Funds into the new eligible checking account.
A minimum balance of {$15000.00} must be maintained for 60 consecutive calendar days following the date when the {$15000.00} deposit was made ( minimum balance ).
Only targeted Primary Cardholder is eligible to receive this offer and must be enrolled to receive incentive.
Here 's why I have met the requirements : I opened my new Citibank Checking Account on XXXX XXXX.
On XX/XX/XXXX, I moved {$15000.00} New-to-Citibank funds into my new Citibank Checking Account..
I maintained a balance of over {$15000.00} for over 60 days..
. My account balance fell below the {$15000.00} threshold 64 days after I deposited the {$15000.00} ( on XX/XX/XXXX ).
As seen by the sequence of events and the requirements associated with the promotion, I have qualified for the promotion.
On XX/XX/XXXX, a Citibank customer service representative confirmed that I had met the requirements of the promotion, and that I would receive the promotion bonus on XX/XX/XXXX. I have attached two screenshots of that confirmation by the Citibank agent.
Given that I did not receive the bonus by the XX/XX/XXXX confirmed date, I opened three research cases, all of which denied the bonus. They were as follows : XXXX ( Denied Reason : Unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. However, if you have a copy of the promotional documentation or letter you received, we may be able to assist you. If you have a copy of the promotional documentation, please fax the copies to XXXX. ).
XXXX ( Denied Reason : Unfortunately, your account does not qualify for this promotion because funds were not maintained between day 20 and day 80 ).
XXXX ( Denied Reason : Unfortunately, your account does not qualify for this promotion because funds were not maintained between day 20 and day 80 ).
There was no mention of maintaining funds between Day 20 and Day 80 in the public language of the promotion terms that they openly advertise to the public. If they've buried something in the legal language that they associate with the promotion terms, I am not aware and I would find that deceitful. If they've indeed buried this important detail, I'd say it's an important detail to leave out ( or hide ) and it's contrary to the offer terms that they advertise publicly on the offer page, which states : Within 20 days of the opening of the new eligible checking account, any owner of either eligible account must make a deposit of {$15000.00} or more in New-to-Citibank Funds into the new eligible checking account. ( I DID THIS ) A minimum balance of {$15000.00} must be maintained for 60 consecutive calendar days following the date when the {$15000.00} deposit was made ( minimum balance ). ( I DID THIS ) The important detail above is " KEEP XXXX in the ACCOUNT FOLLOWING THE DATE WHEN THE XXXX DEPOSIT WAS MADE '' This is exactly what I did. Again, if they're wanting the XXXX to be in the account between day 20 and day 80, and they've indeed buried this important detail in the legal section of the offer, I'd say it's an important detail to hide and MOST IMPORTANTLY, this 'REQUIREMENT ' is contrary to the offer terms that are advertised on the offer main page, that states to KEEP XXXX in the ACCOUNT FOLLOWING THE DATE WHEN THE XXXX DEPOSIT WAS MADE.
I have tried in good faith to become a Citibank checking customer ; I have given them my money ( XXXX of it ) for them to use for 60 days, and have met the terms of the publicly advertised promotion. I also had confirmation from their agent that I qualified. To deny this bonus is deceitful and wrong, and I will close my account ( and my family 's accounts ) never to do business with Citibank again. If they intend to have additional IMPORTANT language associated with their promotions, they should publish them front and center for the customers to see so that any ambiguity is minimized or eliminated.
I welcome a phone call from Citibank to discuss this further or if I can supply additional documentation.
|
| 04/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
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I am having issues with my Citibank account. Background : I was having ( still a m ) financia l difficulties and was not able to make my minimum payments. The account was closed either in XXXX or XXXX XXXX XXXX . From XXXX XXXX , I began paying an amount I could each month. In XXXX XXXX , I set up an autopay payment schedule and in XXXX changed the payments to come out twice a month in the amount of {$32.00}. I received email confirmation and a few days before the autopay was to come out I received an email stating my payment was now {$780.00}. I immediately went in and changed the amount back to what I was able to afford. On the date it was to come out, Citibank took an u nauthorized payment of {$780.00}. They had a second autopay set up with the same amount. When I called to confront them about this, they stated they would not remove the autopay payment. I had to have my bank set up a block on my account so they couldnt withdrawals any more money. The initial amount was returned to Citibank and my bank account was credited. While I did receive credit back for the fees I was charged by my bank and other accounts, I did not receive the apology I asked for. The tone and statements in the response from XXXX XXXX and Citibank made it clear that this was my fault this happened. I was told I should have paid attention to the little message that pops up about minimum payment in the billing cycle. That doesnt excuse what was done. That should not give Citibank the right to change an amount that your customer authorizes. Citibank charged me a {$25.00} re turn check fee that my bank had returned on an unauthorized amount. I had to call to have it credited back to me. When I called that day, I was asked if I wanted to enter into a payment arrangement. By signing up for this arrangement I was led to believe I was starting over, clean slate, make {$70.00} a month by the XXXX of each month till it is paid. I come to find out I was completely mislead. The person who set this up did not state that my account would still be past due, that if I didnt make the minimum amount of {$1700.00} my payment would be late, or that my account would be over the limit. I was not told that past due, late, and over the limit remarks would still be reported to the credit bureaus! Please explain how a CLOSED account with a payment arrangement agreement of {$70.00} a month can still be over the limit with a large minimum amount due on a CLOSED account? I am trying to pay what I owe. I entered into the payment arrangement in good faith and because I couldnt make my minimum due, you still are holding and penalizing me for not making that minimum payment. What is the incentive for a person to enter an agreement when you treat them this way? Once again, I tried to handle this directly with Citibank a nd they failed me. I c alled Citibank and as ked why I was still showing late and overdue. I also wanted to know why I was charged {$32.00} for the returned auto pay. I spoke to a man named XXXX who stated the {$32.00} credit was given and reflected on my next statement. My next statement is out, and the credit is nowhere to be found. When I asked the questions about my account XXXX spoke over me and was condescending stating that nothing could be done for me and that I entered into a payment arrangement, ( and it sounded like he said ) that I should be grateful. I asked him for a number or address I could write or speak to and was told I was in the right department, right person, and that no one else could help me. This is not acceptable! I am made to feel like Citibank is doing me a favor by allowing me to make a {$70.00} monthly payment when Citibank should be thankful that I didnt just default on an account and walk away.
My Citibank ac count needs to be corrected. The account is closed. I dont have a credit limit, over the credit limit, or the minimum due stated I owe. I entered into an agreement of {$70.00} and that is what should be reflected as minimum due. Not have a message that shows a late amount or an over the limit amount that needs to paid. I want the {$32.00} credited back to the account. The account status to change to paid on time and the over the limit needs to be removed. Account status reported to the credit bureaus to be corrected. I am not past due, late, or over the limit. I will do my part. I will make my minimum payment of {$70.00} by the due date of the XXXX each month. If I have more funds available I will make extra payments.
|
| 10/08/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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|
Web |
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XXXX received wire instructions to close on my mortgage from the settlement attorney. Submitted wire request online with Citibank. Reference number and request says will be reviewed by the next business day. Immediately called the bank at XXXX XXXX to inform was a transfer for a mortgage closing happening the next morning, asked that the transaction review be expedited. Was told nothing could be done to expedite.
XX/XX/22 XXXX XXXX called the bank again about the wire. Bank account shows transaction pending. Tried to move other money out of that account, transaction was blocked because of the pending wire. Again told nothing I can do. Cant talk to the wires department. Cant escalate. Just wait.
XX/XX/22 XXXX XXXX received an email from Citibank that they tried to reach out to me about the wire and I needed to call them or it would be cancelled. 1. They did not call me to discuss. 2. I called them at the number requested in the email and was told the email was sent in error there was nothing wrong with my wire request. Again XXXX cant talk to the wire department, nothing I can do, please just wait, it takes time.
XXXX XXXX XXXX wire has still not arrived at settlement attorney. Called and spoke to the bank again. Nothing can be done. I ask to speak to a supervisor and none were available so I was told I would get a call back. No one ever called me back.
XX/XX/22 XXXX XXXX- I call again about the wire. No progress.
XX/XX/22 XXXX XXXX- I get an email saying they were not able to reach me and the wire is cancelled. ( Not one phone call was received from Citibank ) I call in and am told nothing can be done. To submit the transaction again. I try to ask how this new transaction will be different. Again impress how now Ive lost the opportunity to close on my new house and move in on XXXX long weekend and now cant close until Tuesday. Agent hangs up on me.
XX/XX/22 XXXX XXXX- spend an hour on the phone with agent explained just how much hassle and money this has cost me to not close on time. They said the transaction was cancelled via an automated system that linked it to potential fraud. I explain I called multiple times to authorize it. I begged for it to be processed. Told them about movers, moving, and currently living in a temporary rental that Im scheduled to move out of, and the seller of my new property was ready to take their check and move across country today which is now also delayed. All things I shared in prior conversations that were ignored, blocked, and not cared for. My only recourse is to submit the request again and HOPE that Citi processes it this time.
The delay in closing on this property is costing me thousands of dollars and another move to a temporary location instead of moving into the home I bought on time.
The communications I received from the company were fraudulent. They said they called when they didnt. They cancelled my transaction without trying to reach me, and despite my reaching out to them multiple times to try and resolve the hold.
They said they are trying to prevent fraud but if real customers, with real transactions that are time sensitive can not get their transactions processed and can not talk to the right departments to resolve the situation, the bank fraud prevention is broken.
I have been taken advantage of, my money has been held hostage, and the lack of processing this basic bank transaction has cost me time, money, and great heartache. My only recourse is to try again which is ridiculous.
This is a truly unacceptable customer experience.
Please ask to review the call logs and see how much I begged them to process this transaction- did everything I could to authorize the transaction- only to be told they tried to reach me and couldnt so they cancelled the transaction.
I will be speaking to my attorney about filing a small claims case to cover the wasted time and money that this experience has cost me, including time away from work to move since I now cant close until Tuesday.
Consumers deserve better than this unreasonable treatment when processing basic bank transactions. Most consumers cant spend this amount of time in one day talking to the bank and asking them to do their job. It is unreasonable and injurious to consumers to be treated in this manor and I hope the CFPB opens an inquiry to this practice and issues a matter requiring immediate attention to Citibank to prevent future consumers from being harmed by their failure to execute appropriate fraud prevention practices that do not unreasonably harm consumers.
|
| 07/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In the beginning of this year ( XXXX ), I noticed a {$55.00} charge on my Macys card. I only use my Macys card for Macys purchases because of the rewards for Macys dollars. I had not used this consistently for a while. I knew this charge was not made by me. My wallet was stolen in XXXXbut I had reported this card stolen the day it was stolen in XXXX of XXXX ( XX/XX/XXXX ). This made no sense to me. I called immediately and reported fraudulent charge. I did not know what transcentra payment meant and was not familiar with the charge. I was assured in 1-2 billing cycles the charge would come off, I would not be responsible for anything, and no fees would incur. Weeks later I notice the {$55.00} is increasing and theres late payments. I assume to just wait it out. It increases more and more. I receive something in the mail saying I owe money. I call Macys. Im on the phone for 2 hours, repeating my story to 3 people. One lady tells me to call back in an hour. She doesnt want to deal with it. The next lady says to email Macys fraud department proof of fraud. She asked why it took me a year to report this. I said the charge is showing up for XXXX, what do you mean it took a year? She says the charge was made at XXXX XXXX XXXX in XXXX on XX/XX/XXXX. I said XXXX is where the thief lives ( she was caught by the detective last year ) ; in addition, I dont go to XXXX because it is not a safe town, and I had reported this card stolen on that date. Also, why didnt this charge show up then? Why is it showing up a year later? And why didnt I receive anything in the mail until I had reported this? I email the fraud department emails between me and the detective. It has a photo of the girl who stole my wallet and dialogue between me and the detective, saying she was from XXXX and it had the dates as well. I asked to close the account ASAP because this company was treating this like a joke. Assuming this would suffice, I waited. Some time later, the money owed is increased to {$170.00}. My credit score dropped from XXXX something to XXXX. I am looking to get a mortgage this year so I became very nervous. I received a letter in the mail saying that this was not fraudulent and that I owed money. I paid the fees because I didnt want my score affected further. Macys was dragging their feet and I couldnt rely on them. I would figure this out later. I call 2 weeks or so later when I had time, knowing this would take forever. I was on the phone another 2 hours. They refused to give me a manager. He said he had multiple tabs open trying to figure this out. I said I needed to be refunded and I needed this reported as fraudulent to fix my credit score. He gave me wrong dates and numbers. I asked specific questions about the date of the charge, place of the chargeetc. I was told XXXX XXXX XXXX in XXXX XXXX. I repeated this was the date I reported my card stolen and was where the thief lived. No one could answer why I got nothing in the mail for a year and why nothing showed up on the account for a year. He said I reported the card stolen two days after the girl got caught.I gave him the exact dates and said thats not possible. He said he could refund me the {$31.00} late fees {$41.00} late {$2.00}. I said I paid {$170.00}. I want this refunded. He said he would refund the fees for now and I could speak to a credit specialist. He has not refunded these fees. I have his employee number. He gave me the wrong number to the credit specialist after assuring me 3 times it was correct. I knew it would not be, so I kept saying are you sure. The credit specialist tries to help me ; she says her computer is freezing from all of the notes. I had to repeat my story again. She says I will conference you in, please hold. Im on hold for a while. Then, it says Macys survey and it hangs up. I wait an hour for them to call back because they have my number. No one calls back. I call again and she says they close in 30 min and the manager is away for 2 days. I said I need this reviewed and this is not okay. Her name is XXXX. She says manager will call back in 10 days. It has been 10 days and Ive gotten no call. In addition, yesterday I received a letter from Macys digitally stating they havent received my payment, please send proof of payment via fax.Is this a joke? I am very frustrated with the incompetency and can not believe this is how Macys AMEX is handling everythingI am uploading as much as I can but most things were handled verbally for HOURS, wasting so much of my time and energy and creating so much unnecessary stress.
|
| 02/28/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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I opened a Citi Checking account on XX/XX/XXXX after receiving an email titled " XXXX, earn up to {$1500.00} with this exclusive cardmember bonus ''. Refer to attached email for full terms, but essentially I was told that if I deposited $ XXXX within 30 days of opening and maintained the balance for 60 consecutive days, I would receive a {$400.00} cash bonus for opening the account and completing said requirements. ( Alternatively, you could deposit {$5000.00} and receive a {$200.00} cash bonus. ) -- -- - As mentioned above, I opened the account on XX/XX/XXXX and funded the account on XX/XX/XXXX with {$15000.00}. This was within the 30 days requirement for funding. I then maintained that balance until XX/XX/XXXX when I withdrew {$10000.00}. Note I maintained the required balance for 88 days ... well in excess of the 60 day requirement. On XX/XX/XXXX, I was credited with a {$200.00} cash bonus versus the {$400.00} cash bonus promised per the terms under which I opened the account. -- -- - I thought this might happen given fraudulent debit card activity had occurred on my account. Specifically, on XX/XX/XXXX, a series of fradulent debit card transactions went through in Oregon ( I live in Alabama and haven't ever been to Oregon. ) I called and reported this fraud shortly thereafter and Citi appropriately refunded my account on XXXX. At this time, I also asked the customer service rep if a note needed to be made on my account to ensure I still got the full {$400.00} bonus since my account balance did drop below the XXXX threshold due to the fradulent activity. He assured me that since it was marked as fraud, the system would automatically exclude it when calculating and applying my bonus. Obviously, he was misspoken. I have attached all statements since I opened the account for evidence ; note that I have never authorized ANY debit card transactions on this account. -- -- - Subsequent to seeing only the {$200.00} bonus post, I called into Citi Customer Service where I dealt with wait times and being placed on hold multiple times only for the call to drop after being on the phone for over an hour and had to call back in and start over .... -- -- - The second time I called in I was told repeatedly by a customer service rep that there was nothing she could do and that is wasn't possible to overrride and essentially " tough luck '' even though this error was entirely the bank 's fault. Again it is worth noting that I still to this day haven't used the debit card, so the only way the debit card number was stolen was internally through Citi... I asked for a supervisor who she assured me would just tell me the same answer ... After explaining to the supervisor, she informed me the associate was wrong ( though never apologized it ) and told me she could submit a bonus dispute request for the bonus to be reviewed. However, after waiting on hold for XXXX minutes, was told that in order to submit said ticket, she needed the promotion reference number for the terms I signed up with and since it was not provided on the email link I clicked to sign up, she had to get it from the Personal XXXX XXXX XXXX and they were closed for the day .... so I had to call back again. -- -- - Third time I called, the agent was a champ. He quickly got the reference number and filed the bonus dispute ticket for my bonus to be reviewed. He also seemingly understood the fact pattern around me not getting the bonus and assured me that fraudulent activity shouldn't mess up the bonus amount and it should be retrospectively applied. In fact, a provisional {$200.00} credit ( difference of {$400.00} I was owed and {$200.00} I received initially ) was applied immediately. It was much to my surprise when I received a letter dated XX/XX/XXXX informing me that I didn't in fact meet the requirements of the XXXX balance and the {$200.00} provisional credit was reversed. -- -- - Now spending close to two hours on the phone wasting time not being able to speak to people who can actually make decisions and explain the situation, and now being told that due to fraud ( likely Citi XXXX fault given I never have used the debit card and thus impossible for anyone to get the number from me ) Citi is cheating me out of {$200.00} despite multiple associates at various points in the process telling me otherwise, I feel I have no other option than to report to CFPB for resolution. -- -- - I have been a longtime Citi credit card holder and am very happy with their credit card products, but the checking account experience has been a nightmare.
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| 09/08/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On Saturday the XXXX of XXXX, I go into the Citbank branch at XXXX XXXX XXXX XXXX XXXX, NJ XXXX to open a new business account as I had received a special incentive from Citibank to earn XXXX XXXX XXXX XXXX bonus miles when you open a CitiBusiness Streamlined or Flexible Checking account with a minimum opening deposit of {$5000.00} between XX/XX/19 and XX/XX/19 and maintain for 60 consecutive days. When I came into the branch, I met with a Personal Banker named XXXX XXXX XXXX -Personal Banker II ( NMLS ID : XXXX ). He did not introduce him or shook my hand or even asked for my name. When it was my turn to be seated at his desk, he was the only banker working on that Saturday and it was busy. When I began to discuss with Mr. XXXX my intent to open a business account with the basis of the aforementioned promotion that I had received he then began to ask me about the nature of my business, I told him it was a XXXX XXXX XXXX company, and he then began in a condescending way question the legitimacy of my business, even though it was a startup, he rudely told me " we don't do startups without a website and this business is something that we do not do ''. I told him what is wrong with what I am trying to do and I asked to speak to speak to the branch manager. XXXX XXXX, Branch Manager of that branch, came in and only defended him and ensured that we can proceed and if the back office has any questions they will reach out to me. I still, to this day, do not understand what is wrong with what I tried to do. Anyways, the service was nasty, unprofessional, and frankly distasteful. At the end of the process I did not receive ANY proper disclosures from my account opening process ( the account did not open until Thursday -4 business days after going into the branch ). I asked him to please give me some copies of signatory pages ( signature card, and business resolutions document ) which are standard documents I am allowed to have as a customer. This I know from working in the banking field in the past. He and XXXX refused to give it to me. I left the branch and waited until I received information on account on Thursday XX/XX/XXXX. Later on I had called the Citibank banking customer service to ask about confirmation on my promotion and no one was able to see anything on my account with such promotion. I made a formal complaint investigating this matter and they reached out to the branch and they only gave me verbal confirmation of the AAdvantage XXXX mile promotion. I think this is the most lousiest disclosure I have ever seen from any bank. I have many banking relationships with substantial assets and this is a great disgrace to a bank that's been closing branches across the country. I had received in mail after a month a business debit card when he and I both agreed I WILL NOT GET ONE! Fast forward past 60 days and I asked the branch about my miles because it is IMPOSSIBLE to reach that branch by phone at ANY time of the day. Even when I call the business customer service line and they tell me they have an " internal number '' that they are able to reach the branch, I never get through to anyone and I eventually get disconnected. I had emailed both XXXX XXXX XXXX and XXXX XXXX about the details of my promotional bonus of XXXX miles and only to be told that it will be deposited 120-150 days from account opening. I demanded to see proof of these details because I clearly was not informed of this at all, I never received ANY disclosures pertaining to the account opening process at all!. I would have never agreed to such an account if I knew this was the case. The promotional flier that I have has NO MENTION of this whatsoever. When I asked XXXX and XXXX to give me a response, they ignored me. A few days later I email them both again to write a formal complaint and to escalate this to their District and Regional Manager for further investigation, I received NO response. I then went ahead and filed an Executive Office complaint to investigate this matter and their lack of response to a customer of the bank. I want everyone to be aware that XXXX XXXX XXXX Personal Banker II and XXXX XXXX Branch Manager of Citibank in XXXX, NJ are running their branch OUT OF COMPLIANCE and DISREGARD to customer request for escalation and investigation. They have not responded to me as of this date, it has been 2 weeks, and I will proceed with further legal action against Citibank for their lack of awareness, action, and insight on these 2 unprofessional individuals who failed to conduct their customer diligence.
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| 11/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I have called several times, even spoken to a manager to try to clear this matter up and am not able to resolve it.
Citi is claiming there is fraudulent activity on my account, at which they are requesting that I call in to resolve it. I have spoken to about five or six of their representatives, trying to resolve it. They are determining that it is inconclusive, and they are unable to move any further by phone.
At this particular time, they have " frozen '' my spending. There is a statement on my page that will not print out that tells me charges to my account may be limited. When I try to print it, it does not show on that page because of the formatting that they have used on their web site.
I have not received any correspondence from them in over a month. I am writing to them today to request that they close my account and apply the balance toward what I owe, because I am not able to use the account.
For some reason, I made a payment on the XXXX of XXXX and that payment has been cancelled.
Every time I have tried to contact Citi, they give some reason or another as to why we can not resolve the matter. I have asked them what do I need to do to resolve it, but they are unable to provide a resolution.
The problem is that I have changed my phone number. My address is still the same, but I have been staying with my sister temporarily off-and-on since her mild XXXX in XXXX. I refuse to change my address to hers, even though I have noticed that my creditors have done so against my will. I told them to keep it as my temporary address, before advising others not to change it at all. I am back and forth between her house and my mailing address listed on this account.
My problem is with their fraud department. They are unable to give me a solid reason why my account is tagged for fraud. They have failed to send me notification stating steps to verify my information, and to notify me of any results from an " investigation '' that they are having or holding on my account. I have been unable to use my account since XXXX.
The last time I called before my account was " flagged '', I was trying to make a payment by phone. My phone number had changed, and I verified my information. Something XXXX me off and I hung up the phone ( I believe they asked me to enter my full credit card number ), which is usually unusual when you verify the information. When I called back, they did the same thing - at which I explained that I was driving. Almost every time I called, I was driving. I was not about to risk getting into a wreck to get a credit card out, but was willing to verify all of my other information.
Same scenario, repeatedly. I was trying to make a payment, and when I decided not to on that phone call and hung up, it was only then that I mysteriously received information saying my account had been flagged. Prior to this, the only charges that had been made on the account were to make my XXXX XXXX payments, so there are no indications of fraud on this account.
Now that my account has been flagged, I would like my money back. This is a secured card, where I invested my money with Citi and they have locked me from using the card. I have made 2 payments since then, and now, like once before, for some reason, one of my payments didn't go through.
Not only that, my account disappeared from their system for a little over 48 hours that I had used prior on the account. They could not process a payment on this account, so I had to use my debit card tied to this account. I have no idea why they could not use this account. However, it appears that the same thing has been going on, because a recent payment that I made has been cancelled. I am not sure why this time, but they have accessed a late fee on my account.
At this point, I am tired of Citi. I had a good relationship with them when I was in college, and they were called Citibank or Citigroup before they branched off into Citi.
My secured account is set to mature in XXXX ; however, I just want my money back. I want them to take the money that I owe them and pay off my account, and say that it is paid, and closed at customer request. This is too much headache to go through for a secured credit card.
If they have rules surrounding verification of my account, and new phone numbers, they should have just tried to issue a refund of my monies ... and let my account go ...
I will pay the balance of {$7.00}, once they issue a credit to my card. But I am done with Citi ... I will never bank with them by myriad of choice again.
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| 06/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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|
Web |
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The complaint I am making today is regarding my Citi Bank Mastercard. I have had this card which started out as a Visa since XX/XX/XXXX and never had any issues with it until now. When I was first approved for the card I had a credit limit of {$6000.00}. Then about 2 years later they increased my limit - without me requesting it - to {$12000.00}. A few years after that came another increase to {$18000.00} - again without me requesting it. And then a few years after that another increase was granted making my limit {$22000.00}. As you will see when reviewing my credit history, I have never made any late payments to this merchant & I have always made more than the minimum payment. I have even paid the card off or at least down several times over the course of 8 years. This is the case in point regarding this complaint. On XX/XX/XXXX, I made a {$11000.00} payment to the card which was almost half of the balance owed on the card - {$21000.00}. Two days later, Citi bank sent me a communication informing me that they decreased my credit limit by almost the same amount that I had just paid toward the card making my new credit limit {$12000.00}!!! I immediately contacted them and was told by the Customer Service Representative that there was nothing he could do and that the decision to decrease my limit was made by another employee in the Credit Review Department. I asked if I could speak with that employee so I could get a better explanation of why such a huge decrease in my limit. I told him that I also just made a huge payment cutting the balance I owed in half and that I paid off other credit cards and loans in order to get my credit healthier. He said that he was not allowed to transfer me to speak to anyone in this department and that I could file a dispute with XXXX which is the CRA that they used to make the decision to decrease the limit. I am not so much upset at the fact that the limit was decreased as I am the amount of the decrease. Such a decrease dropped my credit score which had increased as a result of me paying off a lot of debt. I did dispute the decision but of course Citi Bank reported that what they were reporting was correct and XXXX closed the dispute. I think this is extremely unfair that Citi Bank won't take into account that I have had my account with them for over 8 years ; that I have always been a good paying customer ; that I never once requested any of the increases they gave me and that I always managed to pay the card off or at least make substantial lump sum payments decreasing the balance owed. I can't understand why a certain employee can make such a detrimental decision and than they aren't made available to discuss this decision with a long-time, top-rate customer. I mean if I was a deadbeat would they have increased my limit 4 times over 8 years to reach {$22000.00}?? I highly doubt it! But because they are probably facing delinquency and outstanding balances due to the pandemic they are taking it out on the good customers!! My credit score is still not where it should be because of their decision because it is affecting my credit utilization which would've been much lower had they left my limit at {$22000.00}. I would ask for an increase but I don't want them to do an inquiry on my credit which will drop my score again. Plus I think that if they are going to decrease a cardholder 's limit by half they should call the cardholder to discuss this so that the cardholder is prepared. What if I was going to make a large purchase with this card or use the remaining balance to pay off more debt? I've heard of decreasing a card by a few XXXX dollars but by half is completely ridiculous! They didn't have a problem increasing my card over the years to {$22000.00} but now they have portfolio issues and I'm the one being made to suffer. And I know for a fact that my credit during some of those increases was a lot worse than it was when they made the decision to decrease my limit by half. They wanted me to spend the increases so they could make money but now that they're hurting they are penalizing me!! I just want to get my score where it would've been if they wouldn't have decreased my limit by so much. These card reviews need better rules which will help the cardholder not just the card issuer. Thank you for time assessing this complaint. Hopefully you can help me! ( NOTE : I have attached a copy of the communication regarding the decrease and 2 statements that reflect the previous limit and the lump sum payment made before the limit was decreased. )
|
| 07/16/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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|
Web |
Servicemember |
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XXXX has been unethical, unprofessional, charging and assessing fees on an account which is stated to be closed that they will not allow client to resolve. I think it is important Consumer Finance help me and I am sure other clients with how XXXX have serviced this XXXX account, refusal to resolve account, get information on guidance on how to resolve, refusal to accept payment, stating account has been closed out however, I have been calling in since XXXX to get account resolved. Account fell behind after not receiving statements, once I became aware, I called into creditor to get resolved and they refused to take payment, redirecting me from department to department, spending over +2 hours on the phone because various departments kept transferring call.
called in on XX/XX/18 - id Number - XXXX - refused give account information for dispute but instead transferred me to customer service XXXX staff, unprofessional, redirecting the issue, transferring calls to wrong departments, hanging up on me, very combatitive instead of solution oriented, not taking the time to hear & understand my concern to bring a resolve, instead answering phone, pullin up account and transferring, was my experience for more then 2 hours on more then 6 calls. Spending over 12 hours to get no resolve.
I am requesting all derogatory marks be removed from my credit file & the ability to pay and get resolved & have account reestablished.
After months of calling in, I spoke with rep and informed her account fell behind due to no receiving statements after having this account for +10 years never had I neglected to pay, somehow statements were converted to paperless which I never requested, she advised I send a written dispute in, and advised account was moved again from another department so nothing could take place on account, as card had been closed out, when I had been calling into resolve, meanwhile calling in week after week to get an update, each week being redirected to all the wrong departments again, being transferred around for over 1hour to never get anyone on the phone who could handle account, various reps advising I wait 90 more days after dispute however each month I am calling to get account resolved company is reporting lates however refusing to take payments to get resolved. Advised account would have never fell behind if I was being notified as I have maintainted this account for over 10 years and needed direction on how to get resolved, XXXX team refuse to get me a resolve but instead closed out my account, however each month tacking on interest and fees on an account they would not allow me to resolve, neither accept payment, nor allow me to re-open account after 1years of being a loyal client, and being redirected for hours at a time on a call. Every rep I spoke with would drop the call after spending 25 minutes explaining and I'd have to go through the prompts again of trying to explain and get assistance and a resolve after spending hours on the line to get no resolve meanwhile credit is being affected each month.
Lack of ethics on XXXX behalf considering I'm now receiving statements that show accumulated fees and charges on an account XXXX is stating is closed out that they have refused to get resolved since XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/18 spoke with XXXX he advised account taking from other department and check back in week XX/XX/XXXX Spoke with XXXX XXXX XXXX XXXX States XXXX collections Is handling account now handing account Manager forwarded dispute to collections and states will have info within 7-10 days XXXX XXXX XXXX XXXX recovery department - request to speak with supervisor XXXX Contact Consumer finance bureau ( XXXX ) XXXX -attempting to recover card, longest standing account & tried to restore & tried to pay and resolve and got run around -working with XXXX since XXXX - refused to take payment -i recieved statement showing account was still open but when calling to resolve they wouldn't accept payment -transferred around but everytime transferred each department acknowledges they don't have account & have yet to be able to speak with the department who is handling account -spent 4 months to figure out I was speaking with wrong department- should of been calling Citicard & the number on statement would not handle account -tried to resolve matter they refuse keep redirecting me yet reporting late each month to my credit and refuse to allow me to resolve account
|
| 08/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
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Our 20-year mortgage contract originated with XXXX homes on construction of our new home in the XXXX of XXXX. Original Balance : {$67000.00} on XXXX/XXXX/XXXX, Conventional mortgage, 240 months, interest rate 10 %. The first mortgage payment was XXXX XXXX, the last to be XXXX XXXX. There were extension requests for one month each in XXXX XXXX, XXXX ( after my husband passed away XXXX XXXX, XXXX ) and on XXXX XXXX, XXXX due to another financial hardship when I informed Citimortgage that I would be two weeks late making my payment. Both times, the Citibank customer service representative referred me to another department where I was told no worries we can just move this months payment to the end of your mortgage contractwe do it all the time! But the rep could offer me no further information, only that I needed to first sign a document agreeing to the extension and fax back to them, then a letter of explanation would be forthcoming. The forthcoming letter that came in XXXX stated that the months unpaid interest of {$140.00} and change was deferred to end of my mortgage contract, with a footnote stating that unpaid and/or interest deferred to the end of the contract will be due at the time the loan is paid off. In CitiFinancial Mortgages letter to me dated XXXX XXXX, XXXX, request for extension has been approved as of XXXX XXXX, XXXX for 1 month of unpaid interest deferred for {$410.00}, next payment due date XXXX/XXXX/XXXX, new maturity date XXXX. Also that this extension may be reversed for any noncompliance by borrower, including, but not limited to, a personal check returned for non-sufficient funds that was used to qualify for this extension. I noticed the account number in each of the letters was different so called them each time to confirm the information. The customer service rep stated that account number belonged to someone else ; and confirmed my account number. The customer service rep wasnt able to give me further information about the extension interest. Soon thereafter, a " fine print '' footnote notation showed up on the statement stating " The principal balance may not be the total amount due to pay your loan in full due to interest, fees, etc., Deferments Extension Interest : {$5000.00}. This notation and extension interest amount has remained on my statements unchanged over the years until I checked today on CitiMortgage online, {$5000.00}. Ive spoken with Citimortgage several times since about the extension interest to no avail on explanation. A customer rep I spoke with on XXXX/XXXX/XXXX named XXXX, stated that since Id made so many additional payments the actual maturity date was then XXXX/XXXX/XXXX. Per the mortgage contract, the principal balance due must be paid in XXXX XXXX or the borrower will be in default. Hence, I needed to honor our original mortgage contract, and have already paid the stated Principal Balance Due, including the interest thereof this month ; however, Citimortgage left a principal balance of {$6.00} on XXXX/XXXX/XXXX. I tried to submit a payment for the {$6.00} on Citimortgages website but it was rejected. Hence, I submitted a payment for the {$6.00} through my banks bill pay but decided to double that amount in case the amount pertained to daily interest to include for XXXX as well ( ie, {$12.00} total ). To my surprise, as of today, XXXX/XXXX/XXXX, Citimortgage acknowledged my {$12.00} payment received yet {$6.00} still shows as being the principal balance due. I hope it will change to paid in full/XXXX balance by the grace period end date of XXXX/XXXX/XXXX. I do not understand what is going on here. Id like to know where my several hundreds of dollars of additional payments actually were applied ; most especially due to the two different accounts that Citimortgage had/has for me in their records. Were the monies applied to someone else 's mortgage? I spoke with a Citimortgage representative about this on XXXX/XXXX/XXXX. He informed me that I could not simply make my last payment of mortgage balance due, but must request a payoff quote first before making the final payment. He generated a request for a payoff quote for XXXX XXXX, XXXX and assured me that a letter from Citimortgage will be forthcoming in the mail. However, I have already paid balance due as CitiMortgage 's statement reflects in full as of my original mortgage contract due date month in XXXX XXXX, so feel the payoff should actually be for XXXX XXXX. I trust that you can help me with this mortgage matter and will absolutely appreciate your help. Thank you.
|
| 01/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX Due to a previous fraudulent purchase from XX/XX/XXXX from a pharmaceutical company in Georgia, I called Citibank on XX/XX/XXXX to inquire about suspicious activity and to ensure my account ( s ) were safeguarded against fraud and deception. During the conversation, the representative stated that as he reviewed my account and payment history, he noticed that I paid off balances way before the due date and that I had a {$640.00} balance on my account. Upon receiving this information, I was alarmed, as I have always paid off balances before the due date to ensure no additional charges ( and penalties ) would be accrued on the account. Upon receiving the aforementioned information, I told the representative that I had sent a check in the amount of {$640.00}. He then told me that the check had not been received and that I was in danger of the account being late because the payment was due the next day. After receiving the information provided by the representative, I offered to pay off the balance by using my check card from my personal checking account. Upon providing the funds to satisfy the balance ( {$640.00} ), the representative from Citibank assured me that my account was at XXXX ( XXXX ) balance.
When I viewed my checking account transactions the next day, I noticed that not only was the {$640.00} check card payment taken from my account, but an additional {$640.00} ( check payment ) was taken as well. Citibank had received the check I sent and both ( check card payment and check ) were taken from my account, totaling XXXX. When I called Citibank to inquire as to why I was told during my previous call that they had not received the check payment, the representative apologized and offered a refund ( {$640.00} ) of the additional funds taken from my checking account.
Three days later ( XX/XX/XXXX ), I received another statement for {$580.00}. As always, I immediately paid the full amount. As I carefully reviewed the statement for a second time, I noticed that the fraudulent pharmaceutical charge in the amount of {$79.00} that was supposedly had been rectified months ago by Citibank appeared again on the statement, which prompted me to contact Citibank again ( at which time, I began to become suspicious of Citibank practices ). When calling Citibank, an automated service indicated that there was a balance due. Please note as mentioned above, I NEVER leave balances on my account. I always paid in full. There was never a revolving balance. After hearing the automated service, I waited to speak with a representative regarding my account. The representative told me that there was a balance of approximately {$1200.00} on my account due to requesting a refund. I was shocked! I explained to the representative that the refund was due to overpayment. She then stated that I had charges and that I owed Citibank {$1200.00}. Immediately after speaking with the representative, I asked to speak with the accounting supervisor. XXXX ( the accounting supervisor ) explained to me that since I requested a refund due to overpayment, I owed Citibank {$1.00}, XXXX. By this time, I was emotionally exhausted after explaining to XXXX ( and the previous representatives ) that it was within my right to request {$640.00} of the funds back into my checking account due to overpayment ( check and check card ). XXXX became frustrated with me and used condescending analogies to defend Citibanks reasons for the charges ; at which time, I requested to close my account due to being treated extremely poorly and unfairly. XXXX then stated that I would not receive my XXXX rewards if I closed my account. By this time, I was emotionally drained and was overcome by anxiety. I then contacted the executive office of Citibank and spoke with XXXX. XXXX stated that she will comb through the account and call me back after she investigate the charges.
I am disappointed and shocked that Citibank would treat customers with no regards. I was a customer who had a perfect credit history with Citibank. I always paid off balances before the due date and was never late on a payment. I respected my relationship with Citibank and showed my appreciation by ensuring all accounts were paid-off in full each month. I am saddened that I was not respected and regarded as a valued consumer. I received poor customer service rooted in deceitful, malicious and add-on practices. My experience was emotionally debilitating and unfair. I am requesting a third-party thorough investigation along with a response and apology.
|
| 01/14/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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This response is to CFPB Complaint XXXX The date for the response to the ATTY GENERAL is XX/XX/XXXX CC : Office of The Attorney General File No : XXXX The Attorney General received my complaint in XX/XX/XXXX but the scammer who've used my personal information to placed Hard Inquiries on my credit reports and files without my consent or knowledge has also used my first name in " 2 '' additional formats. BOTH of which I do not own. They've chosen to respond to my Identity Theft issues 3 months AFTER The Office of the Attorney General received my complaints.
In the response, they've included a Best Buy Electronic Application & a response letter from Citi. The application & response letter clearly shows " 3 DIFFERENT NAMES ''. I only identify with my true name & the other 2 are connected to Hard Inquiries & accounts I do not agree, have a knowledge, or have given consent. Each of these names are connected to 3 DIFFERENT ACCOUNTS ... .Best Buy Store Card account, Citibank Credit Card account ( not citibank but says it is being reported as CBNA ), & a XXXX XXXX account ( Best Buy Rent to Own Appliances ) 1 ) Best Buy Application name as : XXXX ... .The application is for Best Buy Store Card ONLY. This is NOT a Citibank Credit Card Application 2 ) Citi Responds Adresses name as : XXXX XXXX ) Citi Response Greeting name as : XXXX ( The ONLY name I Identify ) This are NOT mere mistakes as I've received Credit reports from 2 CREDIT BUREAUS in XXXX pertaining to the Investigation of Fraud Accounts in placed in the names " XXXX '' and XXXX neither which doesn't belong to me. The name XXXX were both added to XXXX & XXXX Credit Files & Reports 11 to 16 days later after XX/XX/XXXX.
There was a Hard Inquiry ( XXXX ) ADDED to my XXXX Credit Report and File for XX/XX/XXXX which I didn't consent & have absolutely no knowledge of this date. THIS IS FRAUD XXXX has a CBNA account that was also ADDED showing the Opening date as XX/XX/XXXX & Closing date of XX/XX/XXXX. I also have absolutely NO knowledge & have never given consent of this account or date. CBNA was added to the Best Buy Store Card which I have no knowledge. The employee used Deceptive Business Practices which has been proven stating I CALLED them to re-evaluate my application. I went into my Best Buy located in XXXX, IL. I never called anyone from my Cell phone or from Home. I was physically present in the store when the employee placed the call for my concerns. I didn't apply Online either. With Credit my Scores 800+ with ALL 3 Credit Bureaus, WHY would I need to have this done? I'm Credit worthy & companies would love to extend me credit. The credit approval was for {$4000.00} which threw up a Red Flag in which I questioned once I was approved for the Store Card.
The Best Buy Application not only has a name which I DON'T identify that the employee entered while he had possession of my State ID, it also has a Signature which isn't mine and the application itself has an Identifying Name which has a date of XX/XX/XXXX. I don't acknowledge or consent to this date. There was a SOFT INQUIRY done on my XXXX Credit Report on XX/XX/XXXX & the name of company is BEST BUY/CBNA. Best Buy is the only company I recognize & whoever 's reporting these Fraud accounts & Inquiries are employees of Best Buy.
Whoever reporting has lied in all responses to the Attorney General, myself, CFPB, etc, to cover up what they intended to do with my credit as my scores were 800+ on XX/XX/XXXX. In all responses, they've constantly added that items reported on my credit reports would be updated for correction. What they don't realize is they don't get the opportunity to do whatever they wish to consumers credit files and reports without repercussions. Had the account been true and accurate, along with entrance of true & accurate personal information & dates, there'd be NO NEED to constantly CORRECT & UPDATE everything reported to each Credit Bureau. Federal Laws & Consumer Laws under Federal Government has been broken. My Credit Utilization has INCREASED tremendously by opening & closing additional fraudulent accounts without my consent & knowledge. The employee of Best Buy & the Cardmember Supervisor must answer for each role they've played in trying to ruin my credit as they are well aware of the theft of using my identity.
There's no need to respond because with each response given by whoever 's responding, they must lie to cover up the previous lies told before which gives proves they're covering up their Fraud. They've provided all I need.
|
| 07/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
|
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In XX/XX/2023, I created a Citibank checking account. I decided to use the Citibank checking account to pay my XXXX Citibank Credit card.
I set up automatic bill pay with a specified amount of about {$200.00}. My first bill pay was XX/XX/XXXX for {$130.00}. My second bill pay was XX/XX/XXXX for the same amount. Both of these amounts were lower than the amount I designated. These amounts were so low that the did not meet the minimum payment of my credit card, and the minimum payment of my credit card increased to a little over {$700.00} for the month of XX/XX/2023.
To remedy this, I once again updated my custom automatic bill payment to {$200.00} a month. I checked the bill payment a couple of days later, and the change had not taken. So, I went in again. This time, I updated my custom automatic bill payment to {$250.00}. Please note, that these payments are scheduled to be taken twice a month ( on the XXXX and the XXXX ). So, I had therefore schedule {$500.00} worth of payments.
I reviewed my account at a later date. My bill pay update was successful, on XX/XX/XXXX my Citibank bank account was drafter {$250.00} in order to pay my Citi bank credit card. Knowing that {$500.00} was not enough to make my minimum payment of {$700.00} for the month of XXXX, I made an additional payment of {$450.00} to my CitiBank credit card on XX/XX/XXXX from an external bank account. This brought my totally monthly credit card payment for the month of XXXX to {$700.00}. The monthly payment due was {$700.00}.
On XX/XX/XXXX, despite still having my custom auto payment set to {$250.00} and despite having already paid my minimum payment for the month of XXXX. Citibank drafted my checking account {$350.00} ( my checking account only contained {$290.00} in it ). This overdraft-ed my account by {$53.00} I called Citibank to inform them that they had taken an unauthorized {$100.00} from my account causing me to overdraft. They said that they were justified, because they were trying to make up the minimum payment. I told them that I not consented to that amount, and that I had already paid the minimum payment of {$700.00} that month. They told me that the were still justified because I was over my credit limit, so they took the money to bring me below my credit limit.
I was close to my credit limit of {$8700.00}, but I was not above my credit limit. The customer service representative said that he would not pay back the unauthorized {$100.00} to my account, and he attempted to give me a lecture on how I can do better in the future.
I have still not received the overdraft amount on my Citibank checking account, but I am sure that it will be coming soon. Now, I have to wait for a money transfer of {$54.00} to my Citibank checking account from an external account, in order to be able to close my Citibank checking account.
Not only do I feel that this whole experience has been a breach of trust, an overreach, and a complete abuse of power, in which they are protecting themselves by hiding behind their own legal jargon. I feel that they deceptively presented their automatic payment system as a convenience, when in reality they are using it to take whatever amount of money from customers accounts that they want. Even if that amount is above or below what was authorized.
I mean, when they drafted my account {$130.00} twice the first time I signed up for autopayment, even though I set the amount to {$200.00} ( a total of {$400.00} over those 2 payments ). Citibank profited on the interest on the {$120.00} that they did not draft for the month of XXXX. So, Citibank has made money on both over charging me on the autopayment and undercharging me on the autopayment.
In synopsis, I set my Citibank credit card autopayment to $ XXXX {$250.00} 3 separate times. 3 separate times, the Citibank credit card autopayment took a different amount than the amount that was authorized, until it took 40 % more than the authorized amount. When I informed Citibank credit card services of this, they refused to repay me the {$100.00} or compensate me for or waive the impending overdraft fee on my Citibank checking account.
An additional note : When uploading the documents to file this claim, I did notice that the email said that the {$250.00} autopayment was a one-time payment adjustment. However, even under that logic and the logic that the customer service agent provided, because I had already paid {$700.00} of the {$700.00} minimum payment, Citibank should have drafted my account {$0.00}, not {$350.00}.
|
| 10/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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COMPLAINT : THERE IS NO DEBT BECAUSE LIMITATIONS PERIOD HAS RAN CITIBANK ENGAGED IN FRAUD, ABUSE OF PROCESS AND SUPPLYING FALSE INFORMATION TO XXXX GEORGIA COURT 1. STATUTE OF LIMITATIONS ON CITIBANK VISA HAS RAN : COLLECTION ACTIONS ILLEGAL The limitations period for this debt has ran in all states and thus, remains uncollectable by Citibank no matter what jurisdiction lawsuit is filed. Also by filing in XXXX County, a courthouse, Citibank intentionally and knowingly filed a false document with the court. This filing publicly damaged my reputation and possibly my employment.
Citibank is harassing me by knowingly, intentionally, recklessly and negligently collecting on a debt that Citibank knows or should have known I'm no longer legally obligated to pay.
By placing the burden of proof on me the consumer, Citibank has the unfair advantage of being able to file suit in any jurisdiction by claiming I ( or any consumers Citibank targets ) did not contact them, verifying my demographic information and moving forward WITHOUT having the court verify the most important aspect of my debt.
2. ACTIONABLE CAUSES AGAINST CITIBANK Citibank has engaged in civil/criminal harassment, civil/criminal abuse of process, infliction of emotional distress and damaging my reputation and employment by negligently, intentionally, knowingly and recklessly collecting on a debt that Citibank knows or should have known couldn't be collected.
3. BACKGROUND FACTS For about two weeks, I have been receiving calls from XXXX from collections agency, XXXX. I received these calls about a supposed " claim '' I had in this office. Because I work nights, on XX/XX/XXXX, I was able to return XXXX numerous calls.
I was originally told by a " representative, '' that I owed a Citibank Visa Card from XXXX. I advised her that I had paid off this account many years ago and didn't owe anything.
Additionally, I advised her that the limitations period had ran in Ca and Ga. Ca is four years while GA is six years.
This representative I spoke with, intentionally, recklessly, knowlingly and negligently misstated the law. She stated because Citibank was " federal '' there is no limitations period. Citibank could simply wait and file in any jurisdiction thus defeating numerous state and federal statute of limitations and consumer protection laws. The manager I later spoke with also intentionally, recklessly and negligently misstated limitations and consumer protection laws.
4. CITIBANKS LEGAL DUTIES AND RESPONSIBILITIES TO CONSUMERS Citibank has numerous legal responsibilities and obligations to the me the consumer, including proving a debt exists with all the required paperwork ( See below for Citibanks legal duties and responsibilities ).
By federal and state laws, Citibank must have a credible chain of custody of all documents relating to debt.
By federal and state laws, Citibank must also have time within the limitations period to collect. Citibank can't wait and file in a jurisdiction with a longer limitations if the original period has ran.
If Citibank can't legally file within limitations period because it has expired, any collections actions i.e. court filings, court verifications, letters to consumer, calls to consumer, are civil/criminal harassment and abuse of process.
My first conversation with the representative became heated and she called me a " thief because I didn't pay the bank back ''. This representative hung up on me.
Next, I called back two times and spoke with the Manager. He hung up on me once because I " swore '' at him. The second time he was able to tell me : 1. The last " activity '' on the account was XXXX.
2. My debt had been " verified '' by XXXX County Court in Ga. See below for Citibanks illegal verification process.
3. The burden of proof was upon me to prove payment even though my Bank records are unavailable because bank aren't required to keep records from XXXX or XXXX.
4. Citibank could easily resurrect the debt beyond limitations period by simply filing in court with verification of my Identification.
5. He claimed that since I had not contacted Citibank about the " debt '' Citibank verified " debt '' in XXXX County and now I somehow owed the Citibank Visa again.
The second time I spoke with the manager, he said he sent my account bank to Citibank for review.
I writing this complaint to stop Citibank from fraudulently, willingly, recklessly, knowingly and negligently collect on a debt that Citibank knows or should have known can't be legally collected.
|
| 01/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
|
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This complaint concern Citi and XXXX XXXX and the unfair practices they have used with regards to their Citi AAdvantage Platinum Select cards and the miles they provide for promotional bonuses and regular spending.
Over the last several years I have earned AAdvantage miles through bonus offers provided by Citi and paid out by XXXX XXXX. I have also earned miles through regular spending on my card. Because I own several XXXX, in the past I have opened several Citi AAdvantage Platinum Select cards. I only contemplated opening a second card because an XXXX XXXX flight attendant was attempting to get passengers on a flight to sign up for one of the credit card offers. I mentioned to her that I already had a card, and she informed me that as long as the application didn't specify any terms about not being eligible, that I could apply for another card and earn the bonus again.
As a result I accrued a fairly substantial AAdvantage program balance.
On XX/XX/2019 I attempted to book a reservation using some of my miles. The process for booking an AAdvantage award reservation involved " booking '' the reservation, and then waiting for the airline to actually " ticket '' it. After booking, the reservation will stay in a " ticket pending '' mode until the ticketing department issues the ticket and deducts the miles from your account to pay for it. This process typically takes a few hours. In my case it had been 24 hours and it still had not ticketed so I called in to try and resolve the issue. The next day I spoke to an agent who rebooked the reservation to try and solve the problem, but after another 24 hours this new reservation also had not been ticketed.
I called in once again and after a long time on the phone, I was told my AAdvantage account had been " locked '' by XXXX XXXX and that I would be unable to use my account. I asked why the account had been locked and was provided no information. Since that day I have called into AAdvantage customer service, called and left several voicemails at the XXXX XXXX department, emailed customer relations, messaged the airline 's XXXX account, emailed several members of staff ( including executives ), and sent paper mail to several employees ( once again, including executives ). I have yet to receive an explanation for why my account is locked, and I continue to be unable to utilize my miles.
Since this issue, I have done some research and learned the airline is apparently locking and shutting down several hundred or thousand accounts in a similar fashion with no explanation. Some customers have been shut down and had reservations cancelled while overseas - being left stranded by XXXX XXXX ' deceptive business practices. The theory is that XXXX XXXX is punishing customers who utilized the Citi credit card bonus offers, despite the terms and conditions allowing them to. Some customers had as little as one or two bonuses provided to them, and were still terminated by XXXX XXXX. This is unbelievable.
Despite XXXX XXXX and Citi being seperate entities, I thought the entangled nature of their business relationship was vital to this issue. I reached out to Citi 's executive department to explain the situation and see what they could do to remedy the problem. My opinion is that Citi and XXXX XXXX are effective operating a credit card rewards program in which you earn " miles '' which you can use on a variety of items - from flights, to gift cards, to hotels, to rental cars. In this way, despite them calling these " miles '', the AAdvantage program is essentially a rewards program. But in this case, Citi has outsourced the rewards program to XXXX XXXX.
Because I rightfully earned these " miles '' through clear terms and conditions, I feel that Citi is obligated to either work with XXXX XXXX to reopen my account, or provide me some form of compensation ( either in their native XXXX Points rewards, or in cash ) that is equal to the value of the points I am losing and unable to use.
Citi refused to assist me in the matter.
Citi and XXXX XXXX are essentially engaging in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), and have failed to deliver on the terms of the offers I enrolled in and rightfully earned.
It has been a month since my account was locked, and I see no end in sight to this issue. I require the assistance of the CFPB to help me solve this problem. The bank and the airline seem uninterested in assisting or even providing an explanation as to what is going on.
My AAdvantage account number is XXXX.
|
| 03/08/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
Dear Madam/Sir ; This is an issue of a promotion from Citibank that I dont feel they honored. I would appreciate if you can assist me in getting Citibank to honor their commitment in the promotion namely to credit XXXX frequent flyer miles to my XXXX XXXX account.
I had a Citibank Credit card and kept getting repeated offers to open up a Citibank checking account. The promotion required that in the first two-months after the card was initiated that you purchase {$1000.00} using the Citibank Debit or ATM Card. And that within two months of the account being opened, you had one or more recurring charges to the account, If you fulfilled those requirements, which I did, you would get XXXX bonus XXXX XXXX miles.
I usually ignore almost all promotions, but in this case the email promotion offers were consistent, and in the end figured why not. XXXX partners ( XXXX, XXXX, XXXX XXXX all fly to the XXXX XXXX, where I regularly travel for work ( we have a non-profit organization that works to provide health care to disadvantaged youth in rural schools. And thus could use the miles to save money for myself and the non-profit organization when I fly to XXXX to assist as a volunteer in this program..
I complied with the requirements as listed in bold letters ( this is verified by the Citibank checking account statements. I had actually called the Citibank help line to ask what sort of charges would qualify. And they said utility or other regular payments such as auto insurance.
I opened up the account by XXXX. I had a debit for {$1000.00} within the two month period required. And two regular payments ( my auto insurance, my electrical bill ) were set up to automatically debit from the Citibank account, which they did within this two month period.
But when the XXXX miles were not credited, I kept asking Citibank by email and on the phone why. Kept getting persons that seemed to not know much about the promotion, but said they would forward to the query to the persons that handle this. And then on repeat calls, said they would involve a manager. But the three responses they I received by regular mails dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 were all essentially the same form letter. Saying that I had not completed the required transactions with the designated time period. Which is obviously not true.
As best as I can tell the basis for the refusal is that I did not set up the automatic payments using their system. But set it up directly from the utility or insurance company.
But that requirement is not at all clear from their promotional material which I attach to this complaint.
The Qualifying Bill Payment column on the promotional material under " Qualifying Bill Payment '' simple says " and 1 or more for 2 consecutive months '' and has a superscript " 2 '' which references the following note : " The Citi {$2.00} non-Citi ATM fee is waived if a monthly combined average balance of $ XXXX is maintained. Fees charged by other institutions for your transactions on non-Citibank ATMs are beyond Citibank 's control and are in addition to fees listed here '' When I pointed that out to the persons on the phone, that this note or the table listing requirements nowhere stated that automatic deductions had to be set up using the Citibank system, rather than that of the utility or insurance company. The person on the phone acknowledged that was a mistake, but they and Citibank can not be responsible for it. Why they can not own up to their mistake and misrepresentation is beyond me. Most companies I would think acknowledge when they made a mistake, and correct it.
My contention is that no average consumer ( or even a diligent consumer, which I consider myself ) could figure out from this promotional material that the automatic checking account deductions had to be made using the Citibank system app, and not the system app of the utility. And because Citibank clearly had inaccurate promotional material, there really should be no debate about crediting me with the advertised benefit from the promotion.
Beyond the question of honoring a commitment and acknowledging a fault, there are substantive financial implications. To buy those miles would cost me {$1600.00} with the current 25 % discount promotion currently in place. When the promotion expires on XX/XX/XXXX, the cost will be {$2100.00}. So this is not a trivial amount that resulted from Citibank failing to honor their commitment per the promotional materials.
Thank you for your assistance with this matter.
|
| 10/07/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I purchased/financed an air conditioning system through Home Depot/CitiBank in XXXX of XXXX in the amount of {$9000.00}. That card/account offered 24-months of 0 % financing. I paid of that balance and never used the Home Depot/CitiBank line of credit or credit card other than for that original air conditioning system in XXXX.
To my knowledge, my account was fraudulently used for five ( 5 ) purchases over a nine ( 9 ) day period between XX/XX/XXXX through XX/XX/XXXX at four ( 4 ) Home Depot stores in the XXXX XXXX area using approximately five ( 5 ) accounts created by Home Depot/CitiBank. Of the five ( 5 ) purchases, CitiBank has determined that three ( 3 ) of those charges were fraud but continue to hold me responsible for the last two ( 2 ) charges even though on XX/XX/XXXX, CitiBank determined that one ( 1 ) charge was fraud but the another charge ( at the same store ) was not fraud. After talking with numerous individuals at CitiBank, it appears that those committing the fraud were using a fake ID/license with my name on it and used my social security number in order to make charges on my Home Depot/CitiBank account ( s ).
On XX/XX/XXXX : After almost three years of never using the card/line of credit ( save for the financing of the air conditioning system ), on XX/XX/XXXX, I received a text notification about a purchase made using my Home Depot account ( in XXXX, TX ) for {$910.00} and I called CitiBank on the same day ( within 12 minutes of receiving the text notification ) to note the fraudulent activity. CITIBANK HAS IDENTIFIED THIS PURCHASE AS FRAUD.
ALSO ON XX/XX/XXXX, the criminal ( s ) who have stolen my identity made another purchase ( using my social security number and now a new account that CitiBank generated based on my call to them ) for {$37.00} at a Home Depot store in XXXX, TX. CITIBANK ALSO IDENTIFIED THIS CHARGE AS FRAUD. I did not receive a text notification regarding this purchase.
On XX/XX/XXXX : On XX/XX/XXXX I received another text notification of a purchase ( at a Home Depot in XXXX, TX ) for {$240.00} and I called CitiBank within three ( 3 ) minutes of the text notification to note that the purchases were fraudulent. CITIBANK IDENTIFIED THIS CHARGE AS FRAUD.
ALSO ON XX/XX/XXXX, the criminal ( s ) made yet another purchase ( also at the Home Depot in XXXX, TX ) for {$190.00}. I did not receive a text notification. CITIBANK HAS NOT YET IDENTIFIED THIS AS FRAUD.
On XX/XX/XXXX : On XX/XX/XXXX, I received a text notification about a purchase ( XXXX XXXX, TX ) for {$580.00}. I called CitiBank within 71 minutes to identify the purchases as fraud. CITIBANK HAS NOT YET IDENTIFIED THIS AS FRAUD.
The five ( 5 ) fraudulent purchases happened between XX/XX/XXXX through XX/XX/XXXX at four ( 4 ) Home Depot stores in XXXX, TX, XXXX, TX, XXXX, TX and XXXX XXXX, TX on at least four ( 4 ) accounts ( CitiBank kept opening new accounts in my name even though I never requested a new account nor did I want a new account after reporting each fraudulent purchase when I received a text notification. ) I have already provided CitiBank a snapshot of the text notifications that I have received and a call log of many of communications with them in addition to a copy of my driver license ( at their request ), a copy of an Identify Theft Report filed with the FTC and a copy of the police report filed with the XXXX XXXX ( TX ) Police Department and a letter from XXXX XXXX XXXX XXXX who also acknowledged fraudulent purchases around this time. I have also provided notarized correspondence to CitiBank with no written reply from CitiBank.
I request that the remaining charges ( which are all fraudulent ) be identified as fraudulent charges and that any reporting to credit reporting agencies be removed or updated appropriately. Note that I called CitiBank after each text notification to note the fraudulent activity and never requested a new card/account be created/issued. In fact, I specifically said I did not need or want a Home Depot/CitiBank card but they continued to create new accounts which were subsequently fraudulently used. I have spoken with CitiBank over twenty ( 20 ) times since XX/XX/XXXX and have mailed and faxed them information and evidence at their request trying to resolve this matter. What CitiBank is doing is wrong and predatory if not illegal. According to CitiBank, anyone can walk into a Home Depot with an ID that says my name and if they have my social security number they can charge anything they want and I am liable for it.
|
| 02/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I tried to get a hotel with XXXX using my citibank credit card. When I was about the check out, I saw that the charge of {$330.00} included resort charges and everything, so I booked it. After checking out, I realized that the charges changed on me, such that it no longer included the resort charges, and I would still owe the hotel about {$90.00}. The final charge was still the same, but it now included " tax recovery charges '' and something else made up. So, I contacted Citibank by phone and explained the scam XXXX pulled on me, as this XXXX booking was a non-refundable one.
The representative on the phone said that I could wait to dispute the charge when it showed up on my statement. I replied that that wasn't acceptable because it was a non-refundable hotel charge for a couple of days later etc, and this is obviously a scam. They ( a guy who with an XXXX accent whose name I don't know ) told me that the only way they could block the charge from going thru was if I cancelled my card and got a new card with a new number. I agreed. So he said he blocked the charge, cancelled my card, and XXXX me a new card. Then I used my XXXX card and made a new hotel booking for my trip, thinking that the XXXX Citibank issue had been resolved.
On XX/XX/XXXX, I went online to look at my bill and it said that my claim was denied and the credit was reversed. I used the live chat feature. After being bounced around, an agent named XXXX said that it was because a billing dispute was denied, but mine was a fraud claim. He said that mine was processed correctly as a fraud claim and I should see my charges reversed in a few days, and to check back in 5-7 days from the day before. This made no sense, but I thought that I'd believe him and that I would get an email transcript of our conversation. But no such transcript came. So, I logged in the next day ( XXXXXXXX XXXX ) in search for a transcript, only to realize that under the fraud claims tab, I now have a fraud claim that has been denied and that the credit had been reverse and the issue had been resolved- ie. the charge stands. So I tried to call them, couldn't get a human for over an hour, and decide to try the live chat again.
This time I got " XXXX '' who assured me that I would be getting the charge reversed. I explained the whole situation and she told me to rest assured that they would investigate and return my charge. I said, they already did that and the credit got reversed. We went back and forth repeating ourselves and finally, I asked for a transcript of this conversation. She said she couldn't do that and I would have to call some number. I said I couldn't get thru a number. A little later, she " hung up '' on me, and then I got XXXX. The whole issue repeated and he said that I would get an email. I still don't have an email so I can't even prove that the phone call happened, apart from there was a credit and then it got reversed. He gave me a security number to call, but it was only open week day mornings when I need to be at hospital and there was no way I could remotely be able to be on my phone at that time.
So citibank has given me the run around and are blatantly lying to me or have no idea what they are talking about. I am getting no resolution and the charge is still there.
I would have sucked it up and went along with XXXX 's scam and paid the extra {$90.00} instead of making a whole new {$300.00} hotel booking with my other credit card, which I actually used. I can prove that I had the 2nd hotel booking and actually checked in and that the 1st hotel can verify that I never checked into the XXXX booking. At this point, I feel that citibank is just trying to get me off their chat function, and aren't going to reverse the charge ever. I'm a poor overworked XXXX, and citibank knows that, and they are dragging this out so that I will give up and pay the charge. However, I'm so poor that I do not have an extra {$330.00} lying around. I am at the hospital 12 hours or more a day, and I spent 1-2 hours a night with citibank when I finally get home. And of course, the security office is only open XXXX M-F. At this point, I feel that Citibank is scamming me. As I said, I would never have made the 2nd hotel booking and cancelled my credit card had I not been promised that the XXXX charge will be blocked. And they refuse to send me my chat/ phone transcripts.
I have screen shots of the conversation with XXXX and XXXX. I don't want to call if I can not have proof that a call was ever made.
|
| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I sent a dispute to the credit reporting agencies on XX/XX/XXXX. According to the FCRA, credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy, ( Turner v. Experian Info. Sols., Inc. , 2018 WL 3648282, at *3 ( 6th Cir. Mar. 1, 2018 ) ; Peart v. Shippie, 345 Fed. Appx. 384 ( 11th Cir. 2009 ) ). At this time, Ive provided the information to the credit reporting agency on XXXX and they have failed to conduct that reasonable investigation which indicates a violation of the act ( Andrews v. Equifax Info. Serv., 700 F. Supp. 2d 1276 ( W.D. Wash. 2010 ) ).
In my dispute to the credit reporting agency on XX/XX/XXXX, I explained my dispute in detail and requested for an investigation to be conducted regarding the information on my credit profile. In my research, one court noted : [ t ] he standard of conduct by which the agencys action is to be judged is deeply rooted in the law of negligence : what a reasonably prudent person would do under the circumstances. ( Poore v. Sterling Testing Sys., Inc., 410 F. Supp. 2d 557 ( E.D. Ky. 2006 ), citing Bryant v. TRW , Inc., 487 F. Supp. 1234, 1242 ( E.D. Mich. 1980 ), affd, 689 F.2d 72 ( 6th Cir. 1982 ) ).
I want to see what that the credit reporting agencys procedures are reasonably designed to prevent inaccuracies, but also whether the agency actually followed its own procedures. ( Rothery v. Trans Union , L.L.C., 2006 WL 1720498 ( D. Or. Apr. 6, 2006 ) ). It is not enough that a CRA have procedures in place. The employees must follow those procedures in each and every report they prepare ( 15 U.S.C. 1681e ( b ). See Williams v. First Advantage LNS Screening Sols., Inc. , 238 F. Supp. 3d 1333, 1346 ( N.D. Fla. 2017 ) ( CRAs failure to following its own procedures for matching consumers with common names was evidence of willfulness ) ). The CRA must not just have reasonable rules, but the employees must strictly follow those internal CRA rules. ( Carroll v. Exxon Co., 434 F. Supp. 557 ( E.D. La. 1977 ). Cf. Smith v. Ohio Sav. Bank, 2008 WL 2704719 ( D. Nev. July 7, 2008 ) ( fact that furnisher ignored its own policy and procedure manual could raise issue of fact as to whether it conducted reasonable investigation ) ).
In Cahlin v. General Motors Acceptance Corp., the Eleventh Circuit explained that a consumer satisfies their initial burden by presenting evidence tending to show that the CRA published a consumer report containing inaccurate data. Ive done this on XX/XX/XXXX.
Per the settlement with a multistate group of Attorneys General, ( Assurance of Voluntary Compliance/Assurance of Voluntary Discontinuance, In the Matter of Equifax XXXXnfo. Serv. L.L.C., Experian Info. Sols., Inc. , and TransUnion L.L.C. , IV ( F ) ( 6 ) ( May 20, 2015 ) ), and supervision by the Consumer Financial Protection Bureau XXXX the system was somewhat reformed, but serious deficiencies remain ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Ten Years after a Key Report, Consumers Are Still Frustrated Trying to Fix Credit Reporting Errors ( XXXX XXXX, XXXX XXXX XXXX.
In my research, according to FCRA 611 ( a ) ( 1 ) ( A ), the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file..... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Since I mailed the letter, Ive allowed 5 days for mail time to the credit reporting agency which would mean the credit reporting agency, according to my calculations, had until XX/XX/XXXX to provide their response to my investigation.
The problem that comes into play is that the bureau has never sent me proof that an actual investigation took place, nor did they show me their method of verification that I requested on XX/XX/XXXX. I also requested verification so that I can see what the credit reporting agency is reviewing before entering inaccurate information onto my credit report. Based on the lack of requested verification from CBNA, how are 1 ) they allowed to verify the accuracy of what they are reporting to the credit reporting agencies, when what they are reporting are inconsistent with the other credit reporting agencies and 2 ) how are the credit reporting agencies actually conducting a reasonable investigation when they dont have all of the required information based on my dispute?
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| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I sent a dispute to the credit reporting agencies on XX/XX/XXXX. According to the FCRA, credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy, ( Turner v. Experian Info. Sols., Inc. , 2018 WL 3648282, at *3 ( 6th Cir. Mar. 1, 2018 ) ; Peart v. Shippie, 345 Fed. Appx. 384 ( 11th Cir. 2009 ) ). At this time, Ive provided the information to the credit reporting agency on XX/XX/XXXX and they have failed to conduct that reasonable investigation which indicates a violation of the act ( Andrews v. Equifax Info. Serv., 700 F. Supp. 2d 1276 ( W.D. Wash. 2010 ) ).
In my dispute to the credit reporting agency on XX/XX/XXXX, I explained my dispute in detail and requested for an investigation to be conducted regarding the information on my credit profile. In my research, one court noted : [ t ] he standard of conduct by which the agencys action is to be judged is deeply rooted in the law of negligence : what a reasonably prudent person would do under the circumstances. ( Poore v. Sterling Testing Sys., Inc., 410 F. Supp. 2d 557 ( E.D. Ky. 2006 ), citing Bryant v. TRW , Inc., 487 F. Supp. 1234, 1242 ( E.D. Mich. 1980 ), affd, 689 F.2d 72 ( 6th Cir. 1982 ) ).
I want to see what that the credit reporting agencys procedures are reasonably designed to prevent inaccuracies, but also whether the agency actually followed its own procedures. ( Rothery v. Trans Union , L.L.C., 2006 WL 1720498 ( D. Or. Apr. 6, 2006 ) ). It is not enough that a CRA have procedures in place. The employees must follow those procedures in each and every report they prepare ( 15 U.S.C. 1681e ( b ). See Williams v. First Advantage LNS Screening Sols., Inc. , 238 F. Supp. 3d 1333, 1346 ( N.D. Fla. 2017 ) ( CRAs failure to following its own procedures for matching consumers with common names was evidence of willfulness ) ). The CRA must not just have reasonable rules, but the employees must strictly follow those internal CRA rules. ( Carroll v. Exxon Co., 434 F. Supp. 557 ( E.D. La. 1977 ). Cf. Smith v. Ohio Sav. Bank, 2008 WL 2704719 ( D. Nev. July 7, 2008 ) ( fact that furnisher ignored its own policy and procedure manual could raise issue of fact as to whether it conducted reasonable investigation ) ).
In Cahlin v. General Motors Acceptance Corp., the Eleventh Circuit explained that a consumer satisfies their initial burden by presenting evidence tending to show that the CRA published a consumer report containing inaccurate data. Ive done this on XX/XX/XXXX.
Per the settlement with a multistate group of Attorneys General, ( Assurance of Voluntary Compliance/Assurance of Voluntary Discontinuance, In the Matter of Equifax Info. Serv. L.L.C., Experian Info. Sols., Inc. , and TransUnion L.L.C. , IV ( F ) ( 6 ) ( May 20, 2015 ) ), and supervision by the Consumer Financial Protection Bureau , the system was somewhat reformed, but serious deficiencies remain ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Automated Injustice Redux : Ten Years after a Key Report, Consumers Are Still Frustrated Trying to Fix Credit Reporting Errors ( XXXX XXXX XXXX ) ).
In my research, according to FCRA 611 ( a ) ( 1 ) ( A ), the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file..... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Since I mailed the letter, Ive allowed 5 days for mail time to the credit reporting agency which would mean the credit reporting agency, according to my calculations, had until XXXX to provide their response to my investigation.
The problem that comes into play is that the bureau has never sent me proof that an actual investigation took place, nor did they show me their method of verification that I requested on XX/XX/XXXX. I also requested verification so that I can see what the credit reporting agency is reviewing before entering inaccurate information onto my credit report. Based on the lack of requested verification from Macy 's, how are 1 ) they allowed to verify the accuracy of what they are reporting to the credit reporting agencies, when what they are reporting are inconsistent with the other credit reporting agencies and 2 ) how are the credit reporting agencies actually conducting a reasonable investigation when they dont have all of the required information based on my dispute?
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| 06/06/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
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Citi Reference Number : XXXX This would be my fifth complaint/response to CFPB and Citi Executive Response Unit ( CERU ).
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BACKGROUND ( SUMMARIZED ) Citi practically stole my savings account for 63 days by freezing it without my consent. I had no access to it and was provided no useful information or was offered a real way to resolve the issue. In over at least 15 phone calls, correspondence, and complaints, I hit dead ends for all of them.
As a result, I suffered a monetary loss in the amount of {$600.00}, the opportunity to earn interest in the amount of {$300.00} ( by putting it in a higher interest account ), and I have lost HOURS of time in making multiple calls and writing correspondence that Citi does not seem to take seriously. In addition, my account was terminated without cause. I am looking to be compensated for my monetary and time loss stated above.
I am suspecting illegal asset freeze ( see other similar complaints in XXXX and CFPB by other customers ). For the unexplained account closure, I am suspecting discrimination.
For more detailed background, I have provided comprehensive explanations and complaints here : CFPB complaint # XXXX, XXXX, XXXX, XXXX ; XXXX complaint # XXXX, XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- MY MESSAGE TO CITI I have maintained a professional attitude in my past correspondence, but this is just ridiculous. Your latest response is downright disingenuous. I am appalled at how it clearly shows that you have chosen to ignore my MULTIPLE EXTENSIVE explanations and responses that I took time writing through multiple channels ( XXXX, CFPB, and CERU ).
By continuing to provide generic and impersonal responses, I feel that instead of trying to resolve the issue of your victimized customer, you are just trying to tire me out hoping to make the problem go away.
Let me address the content of your latest response on each point : " First and foremost, please be advised that under no circumstances does Citibank condone any behavior or practice which discriminates against anyone on the basis of any physical or personal criteria, such as race, XXXX, national origin, gender, religion or XXXX orientation. While we understand that you feel you were not provided an adequate level of service, upon our review, we found no evidence to support your claim of unlawful discrimination on the part of our policy. '' Nice legal template words but you have not provided me with an explanation of otherwise.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " Our records show multiple attempts were made requesting you call our Citibank Center in order to complete the needed review on your account ( s ). Unfortunately, we did confirm this was never completed. '' I have made at least 15 calls to the numbers you provided as well as other channels and WAS NEVER GIVEN THE CHANCE TO RESOLVE THE ISSUE. They all pretty much said, " Sorry we can't help you. We can not even reach the 'back office ' that processes your case ''. FYI, I have called the number multiple times even before you provided it to me.
Please refer to my previous explanations here. You have access to all of these. Next time check them up before responding : - CFPB complaint # XXXX, XXXX, XXXX, XXXX.
- XXXX complaint # XXXX, XXXX - Multiple e-mail correspondence to CERU.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " We also, provided you the opportunity to complete the requirements for the promotion attached to your application once you fulfilled the needed review. Unfortunately, we did confirm this was never completed. '' As a matter of fact, I did fulfill the requirements. Again, this shows that you have not done your research.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " As stated in multiple communications sent, Citibank is a non-compensatory bank therefore your request for compensation has been denied. '' Again, nice lawyered-up words that proofs to me that Citi is an irresponsible company. You are essentially saying to me, " So you lost money because of our messed up process. Tough luck! Not our problem! '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " We understand that this is not the response you hoped for, but we hope you understand our position. '' I do understand your position. You are basically not owning your part of responsibility to your victimized customers.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I am still waiting for your call to resolve this matter in person ...
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| 05/02/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Add-on products and services
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Web |
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I 've been noticing that I had been having some unauthorized charge on my Best Buy ( Citibank XXXX - whatever it is called now ) account called " Debt Protection/Debt Cancellation. '' I never really thought anything of it. Further into doing research, I noticed it had been on my account for two y ears ( the oldest statement that I can see online is from XXXX XXXX ), and I 'm assuming this probably has been happening unknowingly for much much longer. It 's been around $ 15- {$18.00} every month. I NEVER ever purchased this or authorized this, because I have no need for that service or any similar service. Every time I buy something anywhere and they ask for any kind of additional protection, I always say no. Plus, I have n't charged anything to my card in years and years and years. I saw online that Citibank had numerous complaints and there was a Class Action lawsuit and that they were fined {$35.00} XXXX and forced to reimburse {$700.00} XXXX to customers. I NEVER got notified or refunded at all or received any notification that this had occurred. This is actually the first time I 'm hearing about ( ever since I did research online this week ). I would like to find out when the charges started and be reimbursed for the entire amount up until currently, as well as having the whole " debt protection '' charge cancelled and removed from my account indefinitely. I 've even read about people having the charges on their card even after their card is paid off and the account is closed. I do n't want that to end up happening to me. I contacted Best Buy and they sent me this message " We received your recent request regarding your account. We have received your request to change or cancel your debt protection enrollment. This process is handled by XXXX , a third party vendor, please contact them directly at XXXX ( TDD/TTY : Use Relay Service ) Monday thru Friday XXXX XXXX ET to XXXX XXXX ET, Saturday XXXX XXXX ET to XXXX XXXX ET and Sunday XXXX XXXX ET to XXXX XXXX ET. Please let us know if we can be of further assistance. '' I 've never heard of XXXX or was ever informed of this Debt Cancellation service, and I do n't want to play phone tag. The account should also be closed - as of XXXX ( I still have a balance on it ). The account is n't active, but yet they are still charging me for this " debt cancellation service. '' Once the balance is paid off, I do NOT want them to continue charging me for something that I do n't want. That XXXX is also the number on my statement each month. ( I have attached XXXX screenshots - XXXX is a statement from XXXX XXXX , and it states that I purchased " debt protection, '' which is not true, because this is the first I had ever heard of it! ) I 'd like to get this resolved as quickly and less painful as possible. I would also like for that money from all of those years be reimbursed. I RECEIVED A RESPONSE, AND I WAS N'T ALLOWED TO LEAVE FEEDBACK. THEIR RESPONSE WERE ALL LIES! They said, " We are sending a letter to the customer declining the request for a full refund of the Debt Protector Fees billed to the account. We explained that the account was enrolled at the time of application, and provided a copy of the application for the customers review. We confirmed that we have cancelled the service as requested. We explained that we have no record that a claim has been filed regarding the unemployment events mentioned in the inquiry. We have sent benefit verification forms under separate cover that will need to be completed and returned at their earliest convenience. We explained that the address listed on the account does not match what was provided on the inquiry, and asked that they call the number on the back of their card if they would like to update the address on the account. '' ONE : They NEVER explained anything to me and never provided a copy. And if I supposedly signed up, it was a forgery. The only thing I agreed to was 18 months interest free. TWO : They NEVER said they cancelled it. Instead, they TOLD me to call a number. I have documented proof they did NOT cancel it. Stop lying. THREE : Obviously they do n't have no record of unemployment, because I NEVER signed up for this program. So, why would I send them something like that, because I NEVER knew I had the program. And again, lies. FOUR : My address is different because I have n't used the card in years. And they also NEVER asked me to call and update the address.
|
| 03/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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Web |
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On the week of XX/XX/XXXX I opened my citibank mobile app and my account was shown as blocked. I reviewed my emails from citibank and there was no correspondence or notices regarding this account block. I changed my password in case it was a fraud attempt on my account.
On XX/XX/XXXX I took multiple actions to inquire about the account block however after 2 and a half hours of phone calls, going into a local branch, using the online chat feature, and more phone calls, the only information I could receive is that my account was being closed, no one can disclose why my account is being closed, I will receive a letter in the mail explaining why the account is being closed, and I will receive a check in the mail for the account balance in 30-60days.
I spoke to several people from unknown departments, two different fraud departments, an accounts department, the tellers at a local branch in XXXX, and the IRU department. On two of the phone calls the person hung up on me. More than one person told me that the account was closed my the fraud department however when I was subsequently transferred to the next department that was supposed to be able to provide information they either redirected me to another department or advised they couldn't disclose why the account was being closed.
On XX/XX/XXXX I received a letter in the mail however the letter was requesting me to update the information on my account such as income and other information and no information regarding the account closure. I took this letter into a larger citibank branch in XXXX and requested to sit down with an Personal Banker to resolve the account block. With the information he had access to, he also did not seem to have information regarding was the account was blocked however stated that on his screen it appears to have been going on since XXXX and not just XXXX. The personal banker attempted to help resolve the issue and called different departments. He was patient however he was additionally bounced around multiple different people on the phone for approximately 45minutes and subsequently received the same information I had received the week prior. They told him that on XX/XX/XXXX Citibank decided to close my accoutn and that I would receive a letter in the mail explaining why and a check in 30-60 days. The personal banker requested if he could receive a copy of the letter to print out since I was here in person and they told him no. I expressed this is unacceptable and that my tax return was deposited into the account over the past week and I need access to my money. I requested the bank to close my bank today and receive a check for the account balance however they told me I couldn't because the back office already initiated their closure. Addiitonally I advised it is not acceptabel to hear that the closure is dated XX/XX/XXXX because this means they locked my account in XXXX, let it sit in limbo for a month, and then didn't take any action to notify me or start the closure process until I reached out. I then requested to speak to the branch manager.
The branch manager then spoke to me however was not able to help. She advised once the back office decides to close the account the branch level is unable to do anything. I requested again to receive a check for the account balance however the branch manager said they can't because the corporate office will still end up sending out a check for the balance if they were to do it, which I expressed makes no sense considering they are a bank and can cancel their own check or put a note on the account. The branch manager also advised that someone should have reached out to me 30 days prior to the closing to notify me, however I never received such notification. I received my monthly statements, I received weekly emails of my account balance and any alerts, however there were no emails, alerts, or mailings regarding the account closure.
I have seen other people online say this has happened to them and they advised the letters they received didn't express why the account was being closed and some people were still waiting on a check over 90 days after the account closure. I do not want to be stuck waiting for my money. If the bank wished to close the account they could issue me a check for the account balance immediately and then close the account. It is wrong to withhold thousands of dollars of my own money without even providing a reason. This is a stressful experience and I just want a quick resolution and clarity on the situation.
|
| 12/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
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I opened my Citibank checking account in XXXX. On XX/XX/XXXX, I wrote my first check from the account in the amount of {$150.00} payable to a contractor named XXXX XXXX. XXXX XXXX then deposited my check at XXXX XXXX, which told him that the check bounced. XXXX XXXX contacted me on XX/XX/XXXX to ask me what was going on. I immediately logged on to citi.com and chatted with a Citi CSR named XXXX. He told me my check had not bounced and was in the process of clearing. I then requested that Citi write a letter to XXXX XXXX explaining that Citi did not in fact refuse payment on my check. He told me he could not do that but to call Citi 's call center. I then did so, and the front line agent repeated what XXXX said ( that the check was in the process of clearing ), but she was able to read XXXX XXXX name on the check, and that struck me as odd. I asked her if you can see the whole check, why hasn't it cleared? I wasn't satisfied with her answer and asked to speak to a supervisor. The supervisor said that Citi had in fact denied payment for the check b/c I didn't activate my checkbook. The chat was still open with XXXX, so I went back to him and told him the call center told me that Citi had denied payment b/c I didn't activate my checkbook. He too was unfamiliar with this policy and said he would file a complaint on my behalf. He said I would hear back from Citi via e-mail within 24-48 hours about my complaint. This was yet more false information that Citi CSRs gave me during this debacle, as no one ever got back to me. I have included screenshots of the misinformation I was given by XXXX.
I was in shock, as there is no notice on my checkbook that I need to activate my checkbook, nor anything in the account agreement about activating checkbooks. In fact, I'd never heard of a requirement to activate a checkbook. The account agreement does in fact discuss activating debit cards, and debit cards arrive with stickers on them explaining they need to be activated.
In contrast, my checkbook looks like a normal checkbook with no stickers or other notice explaining that I supposedly need to activate my checkbook to use it. This is a bizarre and unusual policy, and in fact, there is no record of it anywhere in Citi 's account agreements. If Citi does indeed have such a bizarre and unusual policy, then the checkbook should be emblazoned with warnings about their unusual activation policy. I will attach a picture of my checkbook ( with the account number cropped out ), so you can see that it looks like a normal checkbook, i.e. one that doesn't require activation. Furthermore, if Citi does indeed have such a policy, Citi should have contacted me to verify that I indeed wrote the check before wrongfully dishonoring it. I have Citi credit cards, and Citi also likes to make my life difficult by rejecting charges I try to process on my Citi credit cards. However, Citi often will send me a text asking if I had indeed attempted the charge in question. Why didnt Citi do that for my check, especially given that dishonoring a check is a grave matter in banking?
Citi wrongfully dishonored my check based on what by all accounts appears to be an imaginary checkbook activation policy. Even two of Citis own front-line agents did not know about this imaginary policy and thought my check was in the process of clearing given that I had sufficient funds in my account. Even if this apparently imaginary policy somehow actually exists, it is so bizarre and unusual that Citi MUST properly notify customers about such a bizarre and unusual policy. And yet my checkbook isnt emblazoned with warnings about this activation policy despite that my debit and credit cards always are, and everyone expects that such cards have to be activated.
By wronfully dishonoring my valid check, Citibank has violated Uniform Commercial Code 4-402 and owes me damages. Besides the fact that I had to spend hours trying to rectify this matter with Citi 's unhelpful, outsourced customer service which repeatedly gave me misinformation ( in writing, which I have documented ), I had to pay a {$30.00} stop payment fee on the check b/c XXXX XXXX demanded immediate payment of the {$150.00} that I owed him. Since I was unable to meet him in person, I had to send the funds via XXXX and thus had to stop payment on the check in case XXXX XXXX presented it again. Furthermore, XXXX XXXX was charged a returned deposit fee by XXXX XXXX. Finally, I may have been reported to XXXX or a similar agency for writing bad checks.
|
| 06/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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Hello Here is a summary of my saga and what I need to be done : 1. On XX/XX/XXXX I went in person to one of the XXXX XXXX branches and registered, in person, with XXXX ( registration done by Citis manager ) using XXXX as my email 2. On XX/XX/XXXX a transfer was made to my checking account in order to cover a USDXXXX credit card statement due on XX/XX/XXXX ( receipt attached ) 3. While the transfer never bounced back, Autopay did not work and an overdraft fee was charged incorrectly 4. Even though the transfer never bounced back my checking account balance was ( and still is! ) shown as negative 5. Upon my complaint, Citi removed the overdraft fee but the checking account balance remained negative. Some email alerts showed that the account balance was XXXX and others, -USXXXX (??? ) 6. On XX/XX/XXXX and XX/XX/XXXX ( 31min51s on the line! ) I called to have this solved, unsucessfully. I felt in a limbo between what seemed to be 2 completely different companies, Citicard and Citibank. One blaming the other and saying it could not solve my situation.
7. Due to this confusion, Citi decided to put a temporary credit (??? ) on my account until this was sorted out 8. On XX/XX/XXXX a new transfer of USDXXXX ( receipt attached ) was made to cover for the credit card statement due on XX/XX/XXXX ( USXXXX ). At first the transfer never bounced back, so I was sure a new problem would not occur again 9. The person who made the USDXXXX transfer called his bank and was informed that the transfer did not go through because I did not confirm the transfer since my XXXX was not registered with City ( see # 1 above! ) 10. The original USDXXXX transfer bounced back and was re-done on XX/XX/XXXX ( receipt attached ). This time a XXXX email confirmation was generated ( also attached ). The email said I needed a registered email in order to receive the email ( see # 1 above again! ) 11. I went on Citi online banking website to check what was going on and tried to get a one-time-password ( OTP ) to be sent to my registered email. It never worked.
12. I tried to get this OTP on my cell phone and to my surprise, even though Citi claims to be a global bank, learned that Citi does not call or text a non-US number.
13. So I included a US cell phone on Citi in order to get this one-time-password and solve this nightmare for once. The website said Citi needs 14 days (!!! ) to update my record so I can receive this OTP on the US cell phone. Unacceptable for a digital channel interaction 14. On XX/XX/XXXX I called Citi twice ( 4min and 24min ) and nobody could solve such a simple request : to receive a transfer made using a Citi service through an email registered almost 6 months before 15. In the mean time, as I am about to travel to XXXX XXXX, XXXX, XXXX, XXXX and XXXX with my family, I made some online purchases using my XXXX credit card. A few transactions were declined due to suspicious acivity so I called Citi and clarified that I was the one trying to make those purchases. Then I specifically mentioned the countries I was going to. After this I still go some declined transactions and had to call again to complain and get them approved. What a hassle.
16. On Friday XX/XX/XXXX I called Citi ( 27min on the line ) to check why my XXXX transactions made on XX/XX/XXXX were declined. Ice on the cake : Citi cancelled my credit card!!!!! I asked to have the card restored immediatly ( my family and I leave in vacation on Saturday and we need this card to be working ) and not only did not get this solved but also got 2 emails from Citi : one saying we tried to reach you ( even though we all know by now that Citi cant reach a non-US phone ) and the other saying notice of account closure 17. Outraged, between Friday XX/XX/XXXX and Monday XX/XX/XXXX I tried to call the XXXX branch 8 times. Every single time I got a message saying everybody at the branch was busy and got my call automatically transferred to Citi useless customer service center. If a branch cant take a call ( which is unacceptable to say the least ) it should never offer this option 18. during one of the calls Citi customer service advised me to send a request BY MAIL ( even though I said my problem was urgent, I needed the card to be re-activated immediatly and I live overseas ) 19. after not hearing back from XXXX ( email below ) I still tried to talk to the branch by calling extensions : XXXX XXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX ; XXXX and, of course, ( XXXX ) XXXX. Nobody answered ....
|
| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I contacted Citi Bank to make a payment of {$170.00} to prevent my account from reporting over 30 days past due. Due to Covid, my income dropped significantly. However, I always made it a point to pay Citi prior to my account reaching 30 days delinquency.
While speaking with the representative, she advised me that I should look into one of their relief programs since Ive been having trouble making my payments on time. I told her that right now, Im only focusing on making sure that my accounts dont go over 30 days past due because I need to make sure my credit score doesnt drop.
I had set up the {$170.00} payment that was 28 days past due and she again stated that they have programs. I then asked her to please hold off processing the {$170.00} payment so that I can see if I qualify.
Once transferred, I was told that I qualified for payment relief and that I would need to make a payment of {$86.00}. I made the payment. The representative then read some disclosures in which I heard that I qualified, my payments were {$86.00} per month, the account would be closed, the APR was now 0 %. I was very clear about not wanting my account to exceed 30 days to both representatives and both acknowledged my concerns.
I made the required payment of $ XXXX instead of the {$170.00} because that is what I was told to pay. I left the call knowing that my account was current and the payment had been lowered to a more affordable payment.
On XX/XX/XXXX, I received a notification that Citi Bank reported the account 30 days past due for {$170.00}. I was confused because they lowered my payment from {$170.00} to {$86.00} and I show that the payment cleared my account.
I called Citi to discuss my concerns and was told by the first representative I spoke with that the {$86.00} was not put towards the past due payment and that I still owe the full {$170.00}. I explained to him that the way things were explained, I was approved for a relief program and I paid what was required to prevent my account from exceeding 30 days. He told me that they are not going to commit financial fraud. I told him that I never asked him or anyone else to commit financial fraud and asked to be transferred.
He transferred me to an account manager. I explained to her that the account shouldnt be reported over 30 days because I was approved for a program and I paid the reduced payment that same day. She stated that the {$86.00} did not go towards the past due, but actually went to the upcoming payment. I told her that this was not my understanding. I would NEVER pay an upcoming payment before I paid what was actually past due.
That makes no sense. Why would I disregard the past due knowing that my account would go over 30 days and deeply affect my credit and my livelihood. I asked her to listen to the call. She stated that she would, but if o said yes to the disclosures, she would not request a credit update. She stated that I still owe the {$170.00}. I told her that the program is deceptive. Why did they tell me to pay {$86.00} knowing that the {$170.00} was still due. I couldve paid the {$86.00} towards my past due balance. I asked if they would reapply the {$86.00} to the {$170.00} and she stated NO.
Their COVID relief program is not clear. I did not agree to pay towards a future payment. I gave consent to put my {$86.00} payment to the past due balance to bring it current and prevent negative credit reporting.
If Citi Bank refuses to update my report to remove the negative reporting, I will file a claim or suit to settle this matter per their arbitration clause. Im not asking anyone to commit financial fraud. Im only asking Citi to admit that their program is confusing and update the negative credit reporting. This major drop in my credit score will affect my ability to earn a living. This is obviously a big misunderstanding and Citi should gladly figure out a way to work with me to make this right. Again, I never knowingly agreed to pay towards a payment that was not yet due and neglect paying the amount that was already seriously past due. That simply makes no sense.
Lastly, I dont know of anyone who would knowingly pay a bill thats not yet due knowing that there is still a past due balance outstanding. Citi refuses to acknowledge that I initially called in to make sure my account didnt go over 30 days. They were supposed to help me, but ended up hurting me. My credit score has dropped almost 100 points and this has a direct affect on my ability to earn money.
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| 02/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
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Citi Diamond Preferred Account ending in XXXX Citi Reference Number : XXXX Citibank , N.A .
Office of the President XXXX. XXXX XXXX XXXX XXXX, SD XXXX RE : Account Fraud, Citibank Errors and violations.
Greetings, I write to you today in response to your last communication sent on XX/XX/2020.
There are several errors in your stated response. First, you state the charge was billed on XX/XX/2020 to the card ending in XXXX. This is an error, as the card ending in XXXX was manually entered and charged by XXXX. However, the card ending in XXXX had been closed and reported stolen in XXXX. My security preferences were also changed on XX/XX/2020. Citi has stated it did not have those records, only to later state they found them. If you are still having difficulty in finding these notes, Im more than happy to send you the call recording on XX/XX/2020 around XXXX XXXX CST. You make reference to your Automatic Billing Updater Service, and place blame on this service for allowing XXXX XXXX XXXX XXXX for being able to charge my card {$1700.00}. This is an erroneous explanation. Upon a card being reported as stolen the Automatic Billing Updated Service is halted and returns a card stolen message to any merchant trying to charge the compromised card. Also, the charge with XXXX was part of an automatic billing service. This is further proven by XXXX transaction log for my card which shows the stolen card to be manually entered.
You continue to state I received a conditional credit for the XXXX charge in question. I did receive a credit, which was reversed and charged back to me prior to you sending me your response on XX/XX/2020. As such its unclear why you would claim I received a credit for this fraudulent charge. You state XX/XX/XXXX, as the deadline to hear back from me before you consider the charge to be valid. However, I have called and written in for the past few months almost every day to get this corrected. The problem lies with your Security Operations team, who upon being contacted inform me I need to write in to the Office of the President as they are unable to assist. This creates a major problem, when Im told to call in, only to be told to write in when I do. It results in nothing being done. I did finally speak with one of your agents who conferenced in XXXX XXXX XXXX XXXX to determine the validity of the charges. XXXX confirmed with your representative that they do not reflect the charges as shown on my statements. As such your security officer stated she would be issuing a security credit for the charges.
While Citi has stated it would or has issued credits for the fraudulent charges or billing errors, I have yet to see this be reflected on the amount due. This is rather odd as on XX/XX/2020 Citi sent me an email stating my amount due was reduced to take my disputed transactions into account. Yet, the new minimum amount due does not include all the disputed transactions. Despite already supplying Citi with the case number created by the local law enforcement. Citi has repeatedly approved transactions on stolen cards when manually entered. Citi has also repeatedly approved transactions despite the account already being way over the credit limit due to Citi failing to correct billing errors and fraudulent transactions.
Lastly, I was informed today over the phone Citi has closed my account. But was unable to provide an explanation. While this account was closed the fraudulent transactions, which have yet to be corrected for months are almost {$7000.00}. I have repeatedly made written and oral requests for all related documents, but have yet to receive them.
I request the following disputed charges and billing errors be corrected immediately and my account be re-instated in good standing as all these errors were caused by Citi. Errors, which Citi has been refusing to correct. Additionally, the current charges shown on my closed account information still states {$10000.00} which includes a fraudulent transaction of $ 3,700+ which is included in the account balance, but not shown on any statement or shown online.
I have literally spent hundreds of hours on hold with Citi attempting to correct these many errors. I have provided Citi with police reports and complaints filed with the Justice Dept and State Atty General, evidence in the form of corrected billing statements and more. Yet I have only been given false promises and hopes Citi will correct their errors. Which has led to the improper closure of my account by Citi as a result.
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| 03/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
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Web |
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A {$400.00} signup bonus not paid as advertised when newly opening Citibank Account Package.
Under the Promotion XXXX I opened the Citi checking and savings package on XX/XX/XXXX, fulfilled the requirement of depositing the minimum balance of {$15000.00} using Non-Citibank-funds on XX/XX/XXXX, kept the balance until XX/XX/XXXX, and waited until XX/XX/XXXX. Until now, no signup bonus was credited to my account.
Specifically, I deposited {$500.00} on XX/XX/XXXX ( using XXXX from my non-citi bank account, I didn't remember XXXX XXXX XXXX or XXXX ), deposited {$14000.00} on XX/XX/XXXX ( using ACH from XXXX XXXX ). I have Kept more than {$15000.00} balance until XX/XX/XXXX.
I contacted Citibank several times since I met the requirement on XX/XX/XXXX to check my sign-up bonus status. I was told that I have fulfilled the criteria and all I need to do is wait until XX/XX/XXXX.
eg. XXXX at XXXX, XX/XX/XXXX I have reviewed your account and checked you have met the above requirements as account was opened on XX/XX/XXXX and money deposited on XX/XX/XXXX so you have maintained the balance for 60 days that is XX/XX/XXXX, so please be rest assured, the cash bonus will be deposited in your account automatically anytime soon within 90 calendar days, that is before XX/XX/XXXX.
XXXX at XXXX, XX/XX/XXXX : Reviewing your account i see that you have met the requirements to recevie the credit bonus. You will receive the credit within XX/XX/XXXX XXXX at XXXX, XX/XX/XXXX : I see that you have deposited {$15000.00} as of XX/XX/XXXX. The offer was that you must maintain a Minimum Balance for 60 consecutive calendar days from the date the Minimum Deposit is met. You qualified as of XX/XX/XXXX.
The Cash Bonus will be credited by Citibank to your Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete Required Activities. So you will receive it on or before XX/XX/XXXX.
You at XXXX, XX/XX/XXXX : Another point : the fine print now is much more extensive! When I enrolled in, I am pretty sure that " XXXX is not qualified '' didn't show there, and I even had a snapshot.
So, I have deposited XXXX using XXXX from my XXXX account last XXXX. I was doing so to see whether I set up my CitiBank XXXX correctly or not. It is not necessary at all.
XXXX at XXXX, XX/XX/XXXX : I checked the account and the initial deposit was not via XXXX. So you should not have any issues.
XXXX at XXXX, XX/XX/XXXX Yes, I request you to wait till the 90 days timeframe and check back.
You at XXXX, XX/XX/XXXX : Fine print items and bonus credit varied every time as I checked the website. But I am pretty sure when I opened it, it was {$400.00} and I fulfilled the requirment of that time ( non-citi funds ). -- I using ACH transfer XXXX from XXXX, and using XXXX to transfer the other XXXX from XXXX ( just to test whether I have set up Citi XXXX correctly ).
It seems that the transferring methods and non-citibank funds have more detailed requirement now. XXXX XXXX likewise is not allowed ; but it was not clearly stated last XXXX when I opened the account.
XXXX at XXXX, XX/XX/XXXX : I can understand your concern. I can try raising a promotion dispute for you.
XXXX The terms and conditions of Promotion XXXX are as follows : Open a new Checking account and Citi Savings account in Citibank account package between XX/XX/XXXX and XX/XX/XXXX.
Within 30 days of the opening of the new eligible checking account, any owner of either eligible account must make a deposit of {$15000.00} or more in New-to-Citibank Funds into the new eligible checking account and/or the new eligible savings account.
The remaining balance requirement may be deposited into either the eligible Checking Account or eligible Citi Savings Account.
A minimum balance of {$15000.00} must be maintained for 60 consecutive calendar days following the date when the {$15000.00} deposit was made ( minimum balance ).
" " '' '' Unfortunately, your account does not qualify for this promotion because XXXX credits are not considered a qualifying deposit. '' '' '' '' I believe that I should be credited the {$400.00} sign-up bonus for the following reasons : 1 ) I have confirmed with citi-bank agents several times and were told that I am qualified and all I need to do is to wait, 2 ) according to the fine print of last XXXX and XXXX reply, " I made the deposit using non-citibank-funds '' should be enough, but " XXXX is not qualified '' and other detailed restrictions were only added to the fine prints later.
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| 07/26/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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In XXXX of XXXX I noticed that my Best Buy Credit Card balance was barely going down, despite always making timely payments. I feared that perhaps someone had gotten ahold of my account and used my card.
Upon inspection, I found that I was being charged for something called " Debt Protection ''. I was shocked that this was on here because A. ) I never agreed or consented to have this put onto my account and B. ) When I first signed up for my Best Buy card, many many years ago ( before they were even in cahoots with Citi Bank ), the gentleman who approved me for my card asked me if I wanted Debt Protection added. I asked him if there was a charge, to which he informed me that there was. I denied the coverage. When my first statement arrived, I saw that debt protection had STILL made it's way onto my bill. I called IMMEDIATELY to have it removed. Several statements after that came back free of the charge. So how did it make it back onto my account when I had so clearly said that I DIDN'T want it?
I called Best Buy right away, they informed me that they no longer offer debt protection and that was something offered on the older cards. I would have to call the Debt Protection company themselves ( XXXX ) to have it cancelled. They connected me to XXXX who cancelled my Debt Protection as of XX/XX/XXXX. When I asked to have all of the money refunded that they had taken out without my consent, they said they would have to put in a request and I would be informed of a decision within 30 days.
Later that month I recieved a letter ( from Best Buy, not XXXX themselves ) stating that I had " purchased '' the protection on XX/XX/XXXX and because my account " was protected by the program benifits '' throughout that time any " previously billed fees are valid and nonrefundable. '' I was dismayed. I had no idea what my account had actually been protected FROM, considering I was completely unaware that this fee had been placed onto my account in the first place, and the Debt Protection program was never mentioned or explained to me in the least.
I went online to check all of my old statements, and unfortunately, was only able to see back 2 years. But in that two year window ( XX/XX/XXXX-XX/XX/XXXX ) Best Buy Debt Protection had stolen {$930.00} from me. And that's not including the 8 ADDITIONAL YEARS that they had been doing this without my knowledge.
I called Best Buy again on XX/XX/XXXX and immediately asked to speak to a supervisor. I spoke to XXXX on the management team, who basically told me the same thing : They haven't dealt with XXXX since XXXX and I would have to deal with them directly. She connected me back to XXXX, where I spoke with XXXX. XXXX said they would put in a request and she'd " see what she could do. '' I informed her that they had already done this, and I got rejected. She responded with, " Let 's just do this and see what happens. '' Sure enough, I was denied again.
On XX/XX/XXXX, I called Best Buy for a THIRD time and spoke to XXXX on the management team. I told him that I no longer wish to be connected to XXXX. Because when I get the rejection letters in the mail, they don't come from XXXX, they come from BEST BUY. XXXX wouldn't have even had my name in the first place if BEST BUY wouldn't have given it to them under deceptive circumstances. Citibank, who controls the Best Buy card was ALREADY sued for this back in XXXX and had to pay customers MILLIONS of dollars as a result. But unfortunately, the problem isn't solved, as they continue to do this to people. A quick XXXX search confirms that there are still SO MANY OF US that this is happening to.
XXXX essentially called me a liar and said that I must have signed up for it somewhere. ( Which, if they have my signature agreeing to this ANYWHERE, it was received in a dishonest and sneaky manner, because I NEVER would have signed up for the program I made so blatantly clear that I DIDN'T want all those years ago ). He told me that they couldn't dispute claims farther back than 6 months, and the only thing I could POSSIBLY do at this point is send a hand-written letter to the Disputes Department so that they could " show me where I agreed to it. '' I'm at a loss for what to do at this point.
I'm sad for everyone this is happening to.
When someone steals your card and makes a ton of false charges, it's pretty easy to cancel the card and get your money back ; but what happens when the people who are stealing from you are the credit card companies themselves?
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| 08/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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On XX/XX/XXXX I scheduled a payment with CITIBANK Double Cashback Card. The next day I lost my card and reported it missing. On XX/XX/XXXX I received an email and the mail stated there was a problem with my payment. I called my bank ( XXXX ) and they confirmed there was no payment submitted to them from Citi Bank at that time. I contacted CITIBANK via their messaging services and was told by the agent named XXXX at XXXX on XX/XX/XXXX " We have received your payment and there is no declined payment. Last payment amount : {$210.00} Last Payment Received Date : XX/XX/XXXX '' I explained that this may be an error and explained I had no option to send a photo but it says returned. They explained there were no errors and old activity is transferring from my lost report and I might see an inaccurate balance. I gave it a few days, my card arrived Friday afternoon and I left for vacation. I used the card to pay for dinner, when I swiped I received the decline error. I opened my app to add a travel notice but to my surprise the account was completely closed. I then turned to the message center to speak with XXXX that also confirmed the closure but advised I would need to call. I called and spoke to a representative from Citibank that advised me the closure was due to inactivity. I knew this was incorrect since I used this card often and asked her to review further. She apologized and explained it was due to my account being past due and a returned payment due to reason code XXXX STOPPAY, she proceeded to explain my last payment was on XX/XX/XXXX and that no payment was made for XXXX. I was a little confused and still in shock, I advised I needed time to review and would call back with my bank. She submitted the appeal before we disconnected. The next morning XX/XX/XXXX at XXXX est, I called XXXX to confirm the return on their end but was told there was no payment processed. We completed a three way call where both agent advised each of their calls would be Monitored and Recorded. The agent from XXXX explained to the agent from Citibank there were no payments submitted to them and never a stop pay placed on my account. The payment made was from stored information which I have used for every payment on my account. She confirmed my account was current and we confirmed that the payment on XX/XX/XXXX was an early payment for XXXX billing. We allowed XXXX to hang up once the agent confirmed the information and then I was placed on Hold for 10-20 Minutes before being disconnected without a check back. I proceeded to call back to Citibank to confirm if the agent had notated the account the conversation with the bank and the new representative stated " no. '' I did ask if we could contact them again and offered to initiate the three way call but he declined and states it was not his job to speak to my bank. Very nasty, he said " the closure was from the credit bureau as a direct result of my credit abuse. '' I explained the returned payment is from an error on their end since my bank did not receive this payment but stated they would not review for error. I feel as though this was an Unfair resolution. This agent also explained there was a cancelled payment on XX/XX/XXXX for {$100.00}. I explained this payment was cleared form my bank account on XX/XX/XXXX and was showing as processed on my Statement ending XX/XX/XXXX posted on XX/XX/XXXX.
Six hours later, I received an email that stated they reviewed my request to appeal and denied it due to past history with my credit card. I called back XX/XX/XXXX to review the account and gain as much information as I could. The agent explained there was a late payment in XXXX, which I accepted full responsibility for. It was due to a death in the family, 2 days late and never reported as a delinquency. They also stated this was due to the " deleted '' payment from XX/XX/XXXX, however, this payment was never processed. It was never submitted to the bank and another payment was made within the timeframe that was successful. This was Not a returned payment. The Agent also confirmed the closure was due to the returned payment from XX/XX/XXXX, but still advised they would not speak with my bank for confirmation that they never received it. Both payments on XXXX and XX/XX/XXXX were not returned payments to any fault of my own.
I do not feel as though Citibank handled this claim with a fair resolution, I do not feel as though the appeal was reviewed for mistakes. I am trying everything I can to save my credit.
|
| 12/01/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XXXX XXXXXXXX XXXX I received a letter sent by a XXXX lawyer named XXXX XXXX stating that through US Embassy in XXXX, he located me as next of kin of his client XXXX XXXX XXXX who died from XXXX in XXXX without a Will but left a dormant account with XXXX XXXX XXXX XXXX He offered to make me the beneficiary on XXXX XXXX 's account through legal procedure before the balance was being surrendered to the government abandoned property department on XXXXXXXX XXXX, in exchange for his share plus donating 10 % to charity in memory of XXXX XXXX XXXX He also sent me the Death Certificate and Life Insurance certificate matching the balance.
Prior to death, my grandfather mentioned he had a brother go to the US before losing the contact, plus the decedent shared the same surname and nationality as well as the age would correspond to my first cousin, supported by XXXX-issued Letter of Administrations, Sworn Affidavit of Claim and Certificate of Appointment Estate Beneficiary without a Will with Case # XXXX presented by the lawyer, so I believed.
Before transferring the estate, XXXX XXXX XXXX Operations Manager XXXX XXXX, Branch Supervisor XXXX XXXX and the lawyer asked me to pay USD {$15000.00} to their escrow company " XXXX XXXX XXXX '' in Florida with a Citibank account " for both parties ' security '', and promised me the escrow fund would be returned to me after the estate-transfer was completed because " XXXX law and court mandate that estate be kept with integrity, whereby the escrow fund can't be deducted from. '' I was given the escrow company 's account details as below : Bank Name : Citibank Add. : XXXX XXXX XXXXXXXX XXXX, NY XXXX Account Number : XXXX Wire Routing Number : XXXX ACH only : XXXXXXXX XXXX XXXX XXXX Beneficiary Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone # : XXXX ( XXXX ) XXXX Before wiring, I called the above number, specifically asking the manager if they were an escrow company working with the XXXX bank, and he confirmed " the escrow fund will be returned to you after the estate transfer is completed. There's nothing to worry about. '' So I presented my bank XXXX XXXX with the above wire transfer details specifically naming the " Purpose for Wire is Escrow '', hence {$15000.00} was debited from my account on XXXXXXXX XXXX XXXX. Two days after, I didn't hear back from any of the XXXX and Florida parties. So I called Citibank Customer Service to report this wire fraud. A representative answered, unable to reveal an account holder 's identity for privacy, but repeatedly verified that the account holder who received the wire belonged to an individual, not an escrow or business account at all. The escrow business company " XXXX XXXX XXXX '' doesn't exist at all. XXXX XXXX XXXX XXXX also verified the lawyer and his law firm were fake, and the XXXX XXXX was fake, too. It's all fraud.
I immediately notified my bank XXXXXXXX XXXX of this wire fraud on XXXX XXXXXXXX XXXX and filed a Police Report Case # XXXX with my XXXX XXXX XXXX XXXX Department which was shared with XXXXXXXX XXXX XXXX from XXXXXXXX XXXX Security Team told me they would contact Citibank to try to retrieve my fund. Since then, I had repeatedly called XXXXXXXX XXXX for the status of their investigation, always being told " still going on ''.
Way past the law-requited timeline for a financial institution to update a customer of its investigation status, XXXXXXXX XXXX XXXX, I called XXXX XXXX again , and questioned why the scammers still contacted me 10 days after I reported this wire fraud with the same Citibank account details and with the same fraudulent business name? Account Supervisor XXXX said they had contacted Citibank for this wire fraud first day when I reported, but never heard back. So Citibank not only allowed a fraudster to open an account with it, but also processed my wire through to him despite that the account name, category of ownership and purpose of wire " as escrow '' didn't match at all, plus keeping the fraudster 's account open to abet his further fraud and scams even after being notified by his victim and another bank, and totally ignoring the victim defrauded by its account holder.
Just like XXXX, the world 's largest cryptocurrency exchange recently prosecuted by Justice Department, Citibank 's gross negligence, failure on control measures and compliance law allow illicit activities by freely-roaming bad actors to harm law-abiding people. It should be investigated and held accountable!
|
| 07/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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My personal information was used without my authorization to open a new credit card account with Citibank in XX/XX/XXXX. While I didn't realize that I had a new credit card in the mail, the criminal called Citibank reporting that the credit card was misplaced and a replacement card to be issued & mailed to an unknown address in XXXX ( I am in XXXX XXXX living in the same address for 19 years and have never lived or worked outside the current state of residency, have no relatives & friends in GA ) The card that was mailed to my valid address was never activated and it is still in my possession. Unfortunately, the fraudulent account in question was not discovered until XXXX, XXXX and the criminal charged the card with multiple transactions totaling $ XXXX from XX/XX/XXXX through XXXX XXXX. I called Citibank on XX/XX/XXXX to report the fraudulent account and the account was closed immediately. Citibank confirmed that all the charges on the account were coming from the card Citibank mailed to GA and, also that there were regular payments made to the account. The criminal utilized the card to make $ XXXX purchase transactions but also made a total payment of $ XXXX, leaving an unpaid balance of $ XXXX when the account was closed.
In a series of communication with Citibank, I learned that the criminal applied for the account in question over the phone and appeared to have had my SS # and DOB. My name and address used for credit application were missing some information but it was still approved and Citibank granted a line of credit. ( I never lost/misplaced any credit cards or identification, no robbery at my home, and how the criminal obtained access to my personal information is unknown ) The criminal even created an email address with the same name, used this email address to enroll for paperless statements, and because of this I never received the account statements at my valid address until the fraudulent account was discovered. All the purchase transactions were made from various merchants in GA ( except one online service provider in CA ), and the criminal made payments from a bank account that does not belong to me. ( Citibank has not shared the bank account information they received payment from ) I filed a dispute with Citibank claiming this is a fraudulent account and that I am a victim of identity theft. The card used for transactions was mailed to GA address that I have absolutely no association with, and the payments on the account were not made from my bank account. My disputes were submitted to Citibank three times - on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( via email, phone, and trackable mailing services ) along with a copy of a criminal report filed through the local police department, FTC identity theft report, and other supporting documents. I also requested Citibank to provide me with all information pertaining to the account such as ; card recipient information in the GA address, telephone number used by the criminal, copy of signed receipts/details on all transactions made, copy of the script or recorded conversation Citibank had with the criminal, and information about the bank account used for payments. However, Citibank did not provide " any '' of the information requested and rejected my disputes and determined that I am responsible for the fraudulent account without conducting proper investigation.
Citibank has not yet proved that the GA address they mailed the card, the telephone number used for credit application, the email address used for paperless statements enrollment and the bank account used for payment belong to me. And most importantly, they have not provided any proof of purchase showing the transactions were authorized by me, no disclosure of the transactions including merchants information, goods/service purchased, delivery address of the goods purchased, recording or screen prints of online/phone or in-person transaction including footage during the time of the purchase. Citibank 's fraud department has been extremely difficult to work with and does not seem to even put effort in properly manage and assign competent resources to investigate my case. I have never been contacted by Citibank for additional information or discussion concerning my case, which clearly demonstrate their lack of corporate responsibility in addressing identity theft, helping victims and correcting their actions as it is also Citibanks system that allowed criminal to unlawfully access to my credit line.
|
| 02/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
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My problem arises from 3 telephone payments I made on my Citibank AAdvantage Gold World Elite MasterCard Account, ( # XXXX ). In each case, Citibank mishandled my account information, misrouted my payments to incorrect bank accounts and falsely accused me of non-payment. Citibanks conduct was egregious and caused my considerable harm, my credit card was cancelled, I was subsequently denied credit, my credit score has been damaged and Ive been tremendously inconvenienced.
By way of background, I'm a retired schoolteacher, living alone, and Im XXXX years old. I live on my pension and savings. I suffer from XXXX and Im physically handicapped. During the last five years, Ive had both XXXX and one XXXX XXXX. In XXXX, I collapsed when my XXXX XXXX. It took me months to recover and I still have great difficulty XXXX. In XXXX, completing my grocery shopping and errands became too difficult for me, so I began purchasing groceries and household staples online with my Citibank credit card using the website XXXX.
I have one credit card and one checking account. I've had my credit card since XXXX, though Citibank was not always the issuer. Its easier to pay by phone, so I provided Citibank with my bank account information to facilitate telephone payments and I called Citibank monthly to make my payment. I always pay my bills on time.
As stated above, my problems with Citibank arose from the three transactions listed below : Payment 1, on XX/XX/XXXX : I called and paid {$2800.00} requesting that Citibank use my account on file, ( # XXXX ). Citibanks agent entered the wrong account information and routed my payment to an incorrect account. Because Citibank misdirected my payment to the wrong account, the payment was returned unpaid as No account/Unable to Process. My bank statement for the subject period is attached as Exhibit A. On page 3, it shows that no Citibank payments were presented to the account on XX/XX/XXXX and a balance of {$14000.00} available to pay the bill on that date. On XX/XX/XXXX, I called Citibank to find out why my payment hadn't posted. I learned of the problem and processed another payment by phone which was posted to the correct account and the bill was paid.
Payment 2 : on XX/XX/XXXX : I called and paid {$4600.00} requesting that Citibank use my account on file. Citibanks agent entered the wrong account information and routed my payment to an incorrect account. Because Citibank misdirected my payment to the wrong account, the payment was returned unpaid as No account/Unable to Process. My bank statement for the subject period is attached as Exhibit B. On page 4, it shows that no Citibank payments were presented to the account on XX/XX/XXXX and a balance of {$10000.00} on that date. On XX/XX/XXXX, I called Citibank to find out why my payment hadn't posted. I learned of the problem and processed another payment by phone which went to the correct account and the bill was paid.
Payment 3 : on XX/XX/XXXX, I called and paid {$1500.00} requesting that Citibank use my account on file. Citibanks agent entered the wrong account information and routed my payment to an incorrect account. Because Citibank misdirected my payment to the wrong account, the payment was returned unpaid as No account/Unable to Process. My bank statement for the subject period is attached as Exhibit B. On page 4, it shows that no Citibank payments were presented to the account on XX/XX/XXXX and a balance of {$10000.00} on that date. On XX/XX/XXXX, I called Citibank to find out why my payment hadn't posted. I learned of the problem and processed another payment by phone which went to the correct account and the bill was paid.
As a result of the mis-directed/non-payments, Citibank closed my account. Ive contacted customer service and requested Citibank re-open my account on numerous occasions. Citibank refused to re-open my account in letters dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and in subsequent telephone conversations.
I called customer service on multiple occasions and spoke to various personnel about the transactions in an effort to solve the problem. On XX/XX/XXXX I spoke to a supervisor named XXXX ( # XXXX ) who confirmed that the misdirected/non-payments resulted from the Citibank customer service agent entering incorrect account information for any payment.
I even applied for a new Citibank AAdvantage credit card. By letter dated XX/XX/XXXX, Citibank denied my application.
XXXX XXXX XXXX XXXX XXXX, Maryland
|
| 04/28/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
I have sent letters to manager and Corporate office and have received no answer.
I need to know how Citibank will respond to allowing {$19000.00}. from my savings account to go to a scammer even though hours before I called the Citibank Investigative department in a panic " I'm being scammed, stop the wire that first went and and the 2nd wire ''. I did not authorize the first wire as I was trusting this computer tech company who I had no reason to distrust and the rep was in my computer upgrading it to a newer version. I was being held XXXX. I gave no instruction to have {$19000.00}. stolen from my savings account. Again what happened to Citibank 's procedure to alert customers who have suspicious activity going on in their account. That certainly was me as I never send wires of any amount on the internet and certainly not to XXXX. When I have asked the man in the investigative department of Citibank " why did you let this bad guy do this to me '', his answer was " I don't know. ".
Citibank made a mistake this other mistake I didn't know about until XX/XX/2021 as I had no access to my statements with my accounts now blocked ; It wasn't until XX/XX/2021 that the manager offered to print out and give to me the statements from the beginning of the year. Over that weekend reading that {$19000.00}. has come out of my savings account, I thought it was an internal misprint or something. How could money go out of my savings, while the checking accounts were blocked.
When I found out on Monday that this XXXX wire went out of my account at XXXX XXXX XXXX hours after my alarm that should have frozen all my money in my accounts.
This is obviously a suspicious activity .... and again no alert, no phone call ... no resistance to this wire. So, I was uninformed that it actually happened on XX/XX/2021. There is no way that Citibank can say that I instructed them to allow {$19000.00}.
go to a XXXX XXXX. This amount was taken out without my permission. Citibank did not follow the procedure they advertise that the investigative team ; sole purpose is to monitor the customer accounts for suspicious activity. Both of the wires that went out on XX/XX/2021 were suspicious activity. Citibank knows my account history.
I'm XXXX on a fixed income. I never transfer wires from the internet. I walk into the bank to make transactions. My account history shows grocery store shopping, vitamin, computer bill, and to pay my monthly fees to have a roof over my head and electricity phone and cable. That's about it. Clearly Citibank made a mistake and they have me waiting for their verdict after their 90 day investigation. The manager repeats your accounts are blocked and I have to wait 90 days. I would like to know their response to CFPB to this last mistake they have made. Clearly I called to freeze my accounts.
at around XXXX XXXX This 2nd wire went out at XXXX XXXX. with no dialog about this transaction. I feel like Citibank is treating me like I did this to myself. Why would an XXXX XXXX XXXX woman do this to herself. Where was Citi when I really needed them..
If they had followed their procedure of notifying me by email or phone of suspicious activity, I would have been informed of the facts and this event would never have happened. Does Citibank feel they can do anything they feel like as if they are so big and powerful that they are untouchable? Fraud is an intentional act, by someone who lies or misleads the other person with the intent to benefit from the falsehood. If Citibank does not refund the money stolen from my two accounts without real instruction from m, then Citibank needs to be supervised how to run their business. The very word instruction is to tell someone in words what they need to teach, inform or learn. A judge instructs a jury about the law. There is no email from Citibank to me or from me. So, there is no true instruction. Don't the court want to see something in writing to prove their was instruction? There is also a recording of my call to the investigative department hours before this {$19000.00}. left my savings account.
The police inspector for XXXX Police reminded me of that.
If Citibank can continue to treat their customers with this indifference, cracks will begin to appear in their foundation. If enough cracks appear in the foundation of the biggest building, it will eventually come down. Citibank needs to feel the sting I am feeling to change this indifference they are showing me. Thank you XXXX XXXX, XXXX
|
| 11/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
I am a victim of XXXX scam. I received a text and a phone call on XX/XX/XXXX, XXXX ( XXXX XXXX ) from a scammer posing to be a citibank employee claiming to help dispute an unauthorized charge on my checking account. It resulted in opening 2 new checking account and getting unauthorized approval for a personal loan of {$7800.00} ( I received citibank emails confirming these processed within minutes ) which then the scammer transferred the entire loan amount and about {$1900.00} of my personal fund from those checking accounts to another account via XXXX transfer resulting around {$10000.00} of transfer. I have already filed previous complaint regarding fraudulent loan approval ( Complaint number : XXXX ) and fraudulent openings of 2 checking accounts ( Complaint number : XXXX ). This report is regarding multiple fraudulent transfer of money. Details or transfers will be found in provided screenshot attachments. 1 transfer under checking account ending with XXXX, 1 transfer under checking account ending with XXXX, and 6 transfers/transactions under original account ending in XXXX which I have used since the first opening of citibank account XXXX I believe ) more than 10 years ago created in New Jersey XXXX After realizing the fraud/scam/breach, I started contacting Citibank customer service immediately around XXXX ( XXXX XXXX ) and informed the bank of the situation. I was working with " XXXX '' from " unsecured lending account department '' which she relayed the info and transferred me to " security department. '' This representative transferred me to another department which I was informed that they processed " blocking '' of all citibank checking accounts and loan accounts under my name, and informed me that the " investigation department '' will contact me for further guidance. I asked multiple times that since " all the charges that were made on this day XX/XX/XXXX are result of fraudulent process and it is shown as PENDING on the bank account '', if they can reverse or cancel the XXXX or loan process charges made this day. They informed me that the while the account is " blocked '' that would prevent those accounts from further transactions, but they will keep the account for the investigation team to collect information from. The call between citibank and myself lasted 47minutes. After quickly leaving my work and preparing myself for further follow-up actions, I contacted Citibank again XXXX XXXX ( XXXX time XXXX at home to verify and inquire more about what I can do. The 1hour 18minutes of phone call with the Citibank representative repeated the same information informing me to wait for the investigation team to contact me back, and that they have block all related accounts under my name. They also recommended me to open a new checking account so that the refund money can be easily transferred back to me when the dispute is settled which I complied to. I asked them how can I be sure of that the process/action has been made, and the representative informed me that I would be getting the communication via my email or mail. At XXXX, without the mentioned confirmation email of the action against this fraud report sent to me ( I did received an email from Citibank for opening up my new account though ), I contacted the customer service again to verify and to request a written/documented confirmation of the events of this day. The representative repeated the same information mentioned above saying that all accounts are blocked and I should wait for their team to contact me back. I asked again since the XXXX payments were all in " pending status '', if that will be reversed or not processed. At that point, the representative informed me that the XXXX payment will not be processed answering my specific question. I am reporting that I have only received one follow up email from Citibank regarding this fraud that I am experiencing. ( XXXX XX/XX/XXXX ). My online banking is " locked '' from laptop access, but I can still access it from my smartphone and I will report individual charges to CFPB as recommended from the website. Please contact me for any information or recommended actions that I can take from my side. I am also informing you that I've submitted the same report under Complaint number : XXXX last night, but was concerned that I've put in " Citibank '' instead of " Citibank NA XXXX and apologize in advance for the inconvenience. I am doing everything I can from my side as this is an urgent matter. Thank you.
|
| 03/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
RE : Citi XXXX XXXX Acct ending # XXXX & # XXXX. Customer XXXX XXXX I was notified via email and text at approximately XXXXXXXX XXXX on XXXX, if I recognized /authorized charges of {$540.00} from XXXX XXXX XXXX ( ATTACHMENT A ). At XXXXXXXX XXXX on XXXX I responded to the text that the charges were not recognized and I then proceeded to call Citibank and verbally told the agent the {$540.00} was an unauthorized charge. Therefore, account # XXXX was deactivated on XX/XX/XXXX and I was overnighted a new card for account ending # XXXX. Due to this unauthorized charge I reviewed my account activity and reported some other charges as unauthorized and my dispute center reported 8 transactions as unauthorized which included XXXX Home Depot Charges of {$260.00} and {$810.00} ( ATTACHMENT B ). The dispute center message indicated the Home Depot Charges were not billed but if the transactions became billed to contact Citibank for further investigation. ( ATTACHMENT B ) Since I notified Citibank both verbally and responded via text that the {$540.00} was an unauthorized charge and it was declined, I was surprised to see it on my statement ending XXXX XXXX Furthermore, upon receipt and review of my XX/XX/XXXX statement, I became aware the XXXX Home Depot charges were billed. ( ATTACHMENT C ) Therefore, on XX/XX/XXXX, I contacted Citibank at XXXX and spoke with XXXX XXXX and informed him about the three unauthorized charges from Home Depot, XX/XX/XXXX {$540.00}, XX/XX/XXXX {$260.00} and {$810.00}.
Why would Citibank XXXX XXXX XXXX charges on XX/XX/XXXX be processed when I contacted Citibank on XX/XX/XXXX and indicated the XX/XX/XXXX Home Depot charge of {$540.00} was unauthorized/ fraud and I was issued a new account and card?
On XX/XX/XXXX, I noticed the three Home Depot charges I called and disputed on XX/XX/XXXX were no longer in my dispute center online, so I once again called Citibank at XXXX and spoke with XXXX at XXXXXXXX XXXX and asked why the 3 charges I reported as fraud were once in my dispute center but some how dissappeared. She said she would facilitate the processing and they would show up in a few hours. Unfortunately, they never showed up in my dispute center. Consequently, I started an online chat on XX/XX/XXXX at approximately XXXX with XXXX and XXXX XXXX ( ATTACHMENT D ) XXXX indicated my account would receive a credit in 2-3 business days and the fraud investigation could take 30 days.
On XX/XX/XXXX, I contacted Citibank at XXXX and spoke with XXXX and he indicated these three disputes were " closed '' as there were notes that the merchant issued credit. Unfortunately, THERE IS NO CREDIT on my credit card from Home Depot for the disputed charges. XXXX indicated he escalated my disputes to the management team. Why is the information XXXX provided me quite different from what XXXX and XXXX communicated only three days earlier? Most importantly, why is Citbank giving me the runaround forcing me to spend hours of my personal time following up on the same items over and over again with no remedy in sight?
I asked XXXX for the email address for the security and fraud management team and he provided XXXX. Also on XX/XX/XXXX, I chatted online with agent XXXX and asked him for the email address to communicate regarding security and fraud charges and he provided XXXX. I proceeded to send an email to both of these email addresses outlining and summarizing my communications regarding the three unauthorized Home Depot Charges ( ATTACHMENT E ) As of XXXX and I have not received a credit for the {$1600.00} of unauthorized charges and the transactions are still not included in my dispute center- there are only four- what happened to the other four that were there previously. Furthermore, I am unable to go to my account details and mark the transactions as disputed ( ATTACHMENT F ) The above incidents indicate that Citibank is ignoring my claims of unauthorized charges. I have been told false information by agent XXXX and XXXX as the disputes are not reported in my dispute center and I have not received a credit. I am extremely, extremely frustrated with Citibanks handling and communication of the three Home Depot unauthorized transactions. Citbank indicates its customers have {$0.00} responsibility for unauthorized charges so my credit card should immediately be credited for {$1600.00} of Home Depot charges because I have notified Citibank multiple times via various forms of communications that they are unauthorized.
|
| 01/05/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
On XX/XX/2018 I became aware that my Identity was being used to open and attain credit card accounts through the " XXXX '' service.
On XX/XX/2018 I went to a post office explaining that I was a victim of identity theft and I needed to change my address. With I.D . in hand I handed over the appropriate address change card.
A result of my change of address was the suspect was notified by procedure via the mail that I was changing my address. XXXX XXXX XXXX then changed my address when the USPS sent notification to the address, she is residing in. Potentially receiving mail sent to me on the dispute, called The Home Depot and was permitted to put a password on the accounts thus locking me out.
XX/XX/2018 Filed an Identity Theft with the FTC and have report # XXXX On XX/XX/2018 I called Home Depot/CITIBANK at XXXX, at XXXX XXXX for 47 minutes 23 seconds, first I spoke to a XXXX who transferred me to the FRAUD Department. A XXXX then communicated with me and gave me a direct telephone line for Dispute/Fraud XXXX.
I informed her that my identity was stolen and fraudulent accounts had been opened in my name. Due to my belief that I knew who was doing the actions against me, she confirmed with me that the address for the billing was XXXX XXXX XXXX XXXX XXXX Illinois. I had an account previously and she compared the signatures and said that are not the same in the recent transactions, she said they were bad.
I was told the accounts were being paid by an account ending in XXXX.
I went through and completed the address change and phone number notification.
I was told the old card would be cancelled and a new card would be sent my way via the mail.
XX/XX/2018 At the changed address that I had given ( XXXX XXXX XXXX XXXX ) I received letter regarding my fraud claim, the issue was under investigation for ACCOUNT # XXXX XXXX XXXX XXXX.
On XX/XX/2018 The suspect opened a PO Box in her name and placed my name as a user in her local facility, then proceeded to go to another Post Office and re-change my address to her post office box. The Post Office did not notify me of this change to my mail delivery, which my dispute mail was then sent, opened by her giving her notification of my claim of identity theft. I believe this is how, due to the alert, that she contacted the bank and put 'Password Protection ' on the account. Thus locking me out so the bank no longer would associate with me. No correspondence was sent to the address that I provided on my initial call on XX/XX/2018.
On XX/XX/2018 I was told of the fraudulent address change by the USPS that occurred XX/XX/2018, and that is where my mail has been going.
On XX/XX/2018 I was in contact with the XXXX XXXX XXXX, received my first case number from them, I have multiple case numbers now, XXXX, XXXX, and Reference # XXXX.
XX/XX/2018 I received mail in XXXX for an ACCOUNT # XXXX XXXX XXXX XXXX stating I had a balance of {$600.00}. Some different account than was being investigated in previous letter.
XX/XX/2018 On the fraud phone line a XXXX could not access my account due to it was PASSWORD PROTECTED now..
I had become aware of another ACCOUNT # XXXX XXXX XXXX XXXX with Home Depot was in my name.
XX/XX/2018 I went to store # XXXX, XXXX with multiple forms of ID to show the store Operations manager XXXX XXXX so as to get past the password protection via a store phone call to the Fraud/Accounts department. The credit card replacement was no longer valid that they had sent me, and another was issued to the account holder.
XX/XX/2018 Home Depot Store # XXXX, XXXX, Assistant store manager XXXX called security operations XXXX, a phone call that lasted 1 hour and 25 minutes. I was transferred to a XXXX from CITIBANK, I gave her details on this problem, told her who the perpetrator was, confirmed my address, e-mail and phone number.
I was given a CLAIM # XXXX, suggested to fill out a Security Affidavit from the CITI website, which I did and faxed to XXXX.
XX/XX/2018 I received forwarded mail from The Home Depot to a post office box in XXXX that I had no part of.
XX/XX/2018I filled out a Complaint Referral Form through the FBI Internet Crime Complaint Center, IC3.
XX/XX/2018 I filled out and faxed an Identity Theft Affidavit # XXXX from the IRS along with a total package of faxed sheets of 27 pages to XXXX.
I believe The Home Depot continues to contact the suspect to circumvent my efforts to protect myself and resolve this disturbing and tremendous time-consuming issue.
|
| 03/19/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My husband and I purchased some blinds and drapes from the Home Depot Store in XXXX XXXX, Il XXXX XX/XX/XXXX.
I registered for the autopay payments from Citibank which is connected to Home Depot for payments towards goods or purchases thru Home Depot Stores. Autopay is the term for monthly payments to be withdrawn from my checking account via Citibank for the balance on my husband 's Home Depot Credit card. The date of the monthly transaction for payment to Citibank towards the balance on this Home Depot credit card is the ninth day of the month. XX/XX/XXXX Citibank via autopay deducted XXXX dollars ( the amount I choose for payment towards the Home Depot Credit Card balance ).
On the following day, XX/XX/XXXX I submitted another XXXX dollars thru the same checking account for autopay.
The balance on our on-line Home Depot account reflected a balance of : {$750.00} which included the autopay amount of XXXX dollars. However, XX/XX/XXXX our on-line Home Depot account had a notation of " payment reversal with an amount {$50.00} dollars located directly placed on the statement with a posting date of XX/XX/XXXX.
On XX/XX/XXXX Citibank deducted without an reason or explanation the XXXX dollars I had issued as payment from my checking account connected with Citibank. Consequently, the balance changed from {$750.00} to an increase of the balance of : {$800.00} dollars!. Despite contacting Citibank they claimed they had no answer for this. I checked my autopay checking account on XX/XX/XXXX two deductions were withdrawn one from Citibank for {$50.00} dollars followed by another deduction of {$50.00} dollars payment for Home Depot which should have stated Citibank!.
Now, I have been short changed by Citibank XXXX dollars for no reason given!.
I am very apprehensive that my checking account is connected to Citibank, I usually pay large amounts on credit cards as soon as possible!. I now am reluctant to pay additional payments. I can not understand such a large bank as Citibank is so sloppy in their accounting and customer service!. I have a Citibank card which I will never use again. Citibank is terrible they refuse to allow me information on my husband 's Home Depot on-line account, despite I am registered with my checking account as a source of payment.!
Citibank now has forced us as of today XX/XX/XXXX that my husband will not have access information to his account unless the Home Depot store we purchased from authorizes my husband : XXXX XXXX as the verifed credit card holder!. When I mentioned to Citibank employee named XXXX no last name given, she refused to despite my asking her for her full name.
XXXX, further stated she would place a restriction on is account This is just spiteful!. She ( lied about this and further stated there was a picture idea when he registered for this account ) I contacted the Home Depot store and they stated they knew nothing about this regarding him or any customer Home Depot customer having to follow this procedure. my husband has over five years registered with Home Depot credit credit without any conditions as this at the time he registered for his credit card!.
The number I spoke to XXXX at was Citibank phone number XXXX.
Home Depot has created problems with us since XX/XX/XXXX.
This also included an employee of the Home Depot store at the time of the return total : XXXX claiming that {$220.00} had been returned back to as part of the refund!. This never happened!!!!!. I had to contact every branch of Home Depot and Citibank and they accepted this incorrect information.!
Home Depot did return back to the Home Depot account of {$500.00} for the balance. This was correct!.
The {$220.00} were installation fees!. That too is correct!.
This was resolved only after five weeks of insulting and degrading myself and. Citibank never returned any calls despite their promises ( empty promises ) Citibank claimed it would view the video of XX/XX/XXXX of the Home Depot store when my husband returned the drapes we had purchased XX/XX/XXXX.
I am unsure the exact date I was given the correct information that consisted of home installation fees for the charge for the full payment we charged on the Home Depot credit card totaling : {$720.00}.
{$220.00} were applied also for the installation fees. The drapes we ordered from Home Depot XX/XX/XXXX total cost was : {$500.00}.
full name this was her idea and she was submitting this violation ( Home Depot stores do not require confirmation
|
| 08/14/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I am filing a complaint against Costco-Citibank credit card company. The Citibank credit card company took over the Costco credit card contract from the American Express in XX/XX/XXXX. I did not personally apply for the Citibank card. My account was transferred from the American Express to the Citibank without being offered any other option by the Costco. In the later XX/XX/XXXX, when I did not receive monthly statement about the billing statement, I called the Citibank Customer services, its offshore agents in XXXX answered and told me that they are only responsible to collect the payments and do not have access to my account information to explain what are those charges for. I called several times again and eventually reached two Citibank agents in the US offices. Both claimed that they " can not even find the account '' or " can not even tell where the account is. '' In my 15 years of experience with the Costco-American Express and over 40 year experience with several dozens of credit companies, I have never had or even heard this kind of ridiculous responses from any credit card customer service agents! The Citibank suspended my account on XX/XX/XXXX, after only one month past due. The suspension of the Citibank Card had caused me enormous difficulty and inconvenience during the holiday seasons for shopping and vocations. The Citibank continued to refuse to provide detailed information on my billing statements. I called again several times without getting any help throughout the XX/XX/XXXX and XX/XX/XXXX. I also logged into my account online to search for information. Unfortunately, the Citibank online customer service website only provided the current monthly billing statement and the summary amount without any details for all previous months. While I am pursuing the information, the Citibank added late fees and high interest charges every months. In XX/XX/XXXX, I called again, this time the Citibank agent was able to find my account and able to tell me the itemized charges for XX/XX/XXXX-XX/XX/XXXX billing statement. But she said she has no access to the itemized charges for the XX/XX/XXXX-XX/XX/XXXXstatement ( Total amount id $ 1700+ ). She said she will research and send me the information when she found them. Nothing is forthcoming. In XX/XX/XXXX, the Citibank reported this past due to the three credit bureau and caused my credit score to drop from XXXX to below XXXX. My credit line increase request with another credit card company was denied. My application for new credit card was also denied. Now, a debt collector the XXXX XXXX XXXX XXXX claims that they bought my account from the Citibank and begins to harass me day and night by calling in the early mornings, late nights and on weekends. I am not aware if the Citibank has indeed sold my account to this company, and therefore release my financial liability with the Citibank. This debt collector does not use proper identify when they called. They offered me one settlement on the phone and then sent me a total different paper work in email and mails. Its modus operandi fits the warming we received from local police and DA office for fraudulent financial scheme. In my view, the Citibank 's Customer Service operates like a carefully crafted financial extortion schemes used typically by those loan sharks in the third world like XXXX, XXXX, XXXX etc. They deliberate delay in providing detailed information to the customer inquiries on billing statements. Then they can charge late fees and high interest rates to the account and demand for the payments for those fees and interests by threatening to harm your credit scores. For the entire period of my inquiries, the Citibank Customer Service never called me even once or returned my telephone calls even once. They have caused multiple financial harms, inconvenience and enormous emotional distress to me and my family. When I went to the Costco Customer Service in local store recently and asked for the separation of my Costco membership card from the Citibank credit card, their customer agent also confirmed that many similar complaints against the Citibank have been filed by the Costco customers. I am asking your agency to investigate and help me stop the telephone and mail harassment of this XXXX XXXX XXXX XXXX XXXX. Please urge the Citibank to resolve this issue in a professional manner without further harming me. Thank you for your attention to this complaint. I look forward to hearing from you soon. Sincerely,
|
| 10/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, I opened an account with Citibank for a new checking account. I signed up for the Citibonus account in which I qualified for and met the incentives for yet I never received the bonus.
I transferred my savings money from my longtime local credit union account into my Citibank account. I chose Citibank because I thought it would be a more trustworthy bank to work with and would keep my money safe. From the end of XX/XX/XXXX to XX/XX/XXXX, I built up my account with Citibank. During this span of time, I sold my home and maintained over XXXX which soon after I was given a nice incentive via email, I was eligible to upgrade to Citigold Services with a dedicated Citigold finance team which I excitingly joined. On XX/XX/XXXX, I went under contract for a new home and transferred internally an additional XXXX on top of my already XXXX to my Citibank account in order to purchase a new home. I wrote a XXXX check on Friday XX/XX/XXXX for earnest money for the attorneys office. By Monday XX/XX/XXXX I received an email my account was closed effective immediately. I spent Monday XXXX hours on the phone with foreign Citibank representatives telling me their hands were tied and I would maybe receive my money ( IF any was remaining ) in XXXX days in check form in the mail. I was then told to wait XXXX hours to call back to find out why this happened. I told them I wanted my money expedited and that I had moved and would need to update the address they were mailing my check to. They said they would make a note on my account.
As for my home I was under contract for, I had to call the lender and attorneys office to warn them the check may bounce because Citibank suddenly closed my account. After not sleeping for days over the emotional distress over this situation I contacted Citibank again only to spend another several hours being given the exact same information as day XXXX. No one would or could help me and would give me XXXX information. At this point I realize my money has been stolen for all I know. I have now become a victim to Citibank and its unethical behavior by the withholding of my money. They do not care nor will respond. This is pure and utter negligence on their end. All calls were handled via foreign representatives who had difficulty speaking XXXX and would not give me information about my account and my money. They all read off a script. I was hung up on, mistreated by a man speaking over me and down to me, as well as treated and spoken to like a criminal by countless Citibank representatives.
Citibank refuses to acknowledge calls and responded in a robotic automated email to my formal complaint made to the XXXX of XXXX saying they can close any account at any given moment without reason and without advance notice as they please and they can do this because its in their client manual. This response is negligent and unacceptable. I appealed the response from Citibank to the XXXX of XXXX and sent a fax and letter to the XXXX of XXXX and never received any response. The FDIC will not help me.
I had to cancel my contract on my dream home and lost over {$1200.00} in appraisal fees and inspection fees because I could no longer abide by the contract or afford to get the home with my money Citibank is withholding. I have been staying with friends and family as a result until my money is returned. I have been victimized, stolen from, targeted, and discriminated by Citibank and its representatives. I want my money returned immediately. This has destroyed my life, and I have lost countless hours of time from my life. The emotional distress this has taken over myself and family I support has taken a major toll on me. This is despicable that a bank can wipe out a single moms account like nothing without notice and without reason literally overnight. This is illegal, immoral, unethical, and outright theft.
Citibank will not tell me how much money is showing in my account that is due to me when they closed the account effective immediately the day of notice. They will not expedite my money back to me as mentioned in their original email saying they were closing my account on XX/XX/XXXX, as well as they will not update my mailing address to mail me my check for my remaining funds. They will not tell me why my account was closed suddenly without any notice. They will not give me a bank statement. They gave me XXXX information and will not give me my money back and are withholding my funds without my consent.
|
| 09/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
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In mid XXXX, I traveled across the country to see a friend. Shortly after I arrived, I tried to use my Citibank debit card at a cafe. It was immediately declined. As soon as that happened, I realized that the bank must suspect fraud, because I live on the opposite coast and had never taken my card on a trip before. I expected I would receive a text message or call alerting me to potential fraud.
Instead, on XX/XX/XXXX, I received an email from Citibank informing me that my account would close automatically within 60 days because I had violated the terms of the account. I was immediately locked out of my debit card and all other functions related to my account. I called the phone number provided on the Citibank email immediately and I gave the person on the other end all of the information requested, including my cell phone number, my SSN, and my debit card number. The Citibank agent told me I had not provided her with a verified phone number. This made no sense, since I was calling from my cell phone, which was the number I provided to set up the account in the first place.
I tried calling multiple times, but could not get an explanation for why they couldnt verify my phone number. The agent hung up on me more than once.
I determined that I wasnt going to be able to do anything about this while I was away from home. Fortunately, I was staying with friends and the fact that I couldnt access my funds was inconvenient but not disastrous. As soon as I returned from this trip I went on vacation with my family until the end of XXXX.
Once I was back home, I called my local Citibank branch. The teller at the branch told me they couldnt do anything there, and gave me a phone number to call. This connected me to the same fraud prevention department I had spoken to from my trip in mid XXXX, and they ran me through the same verification process. It was the same agent I had been talking to on my previous calls. She continued to ask me for another phone number but didnt explain what the problem was. I couldnt tell whether she wanted a specific phone number ( perhaps a backup number I had provided when I opened the account ), or something else. Ultimately, she texted a code to my mothers cell phone number, I read it back to the agent, but she still would not verify me.
The next day ( I think this was Thursday, XXXX ) I went to my local branch. There was only one teller on duty. The teller was able to verify that my cell phone number was correctly listed on my account, but was unable to help me further. I then went to another nearby branch. The representative there made an appointment to see me the following day.
The next day, I went back to that branch and the representative called the XXXX department and went through the same information I had been providing all along phone, SSN, account number, debit card number. I also had my drivers license with me, and the paperwork I received when I originally opened the account. The representative then asked me how I opened the account whether it was with cash, check, etc. I didnt remember. The branch representative said the account would be under review and that I could call the XXXX XXXX department in 48 hours to get a final determination.
On XX/XX/XXXX, I called the Citibank XXXX XXXX department to find out whether my account had been unblocked. Again it was the same customer service representative. She told me the account was being closed. I was still unable to get an explanation for why I could not get access to my funds. I immediately went back to my local branch with my identification and account documents.
The representative at the branch again called the XXXX XXXX department. I couldnt hear the conversation, but the bottom line was that there was nothing the branch representative could do to unblock the account. The branch representative said that the fraud prevention agent on the phone told him that the fraud department had been unable to match my cell phone number when I called initially. I have since learned that this is a common issue, which may be because my cell phone is part of a family plan for which one of my parents is the account holder. The branch representative told me my account would be closed within 45 days of XX/XX/XXXX ( the date the closure decision had been made final ). Meanwhile, I do not have access to approximately {$12000.00} I have in savings and checking with Citibank. I am unable to confirm the exact amount because I am locked out.
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| 01/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I booked a vacation through XXXX. On XX/XX/XXXX I had a medical issue and asked the host to please move the dates to XXXX or XXXX. If we were not able to do so I would just have to put the XXXX on hold. I even offered to pay more and rent the second property. Immediately the host said if you cancel " you will lose your entire payment. are you sure you want to cancel? '' I said No I do not want to cancel I was trying to see if we could move the dates. I had called prior to sending a message and XXXX told me to ask the host to change the dates which would be no problem and best way to work something out. Then the host told me to cancel from my end and I contacted XXXX again. The agent said do not cancel, if you do you will lose all your money. Then the host began to threaten me and gave me ultimatums which is documented saying I better cancel by a certain time or else. Then on XX/XX/XXXX my husband and I found out we needed to be tested for XXXX because we were exposed to it by 3 people who tested XXXX. I told the host immediately that we really were going to need to change the dates due to the order to quarantine. The host accused me of lying. Then there was a message sent via XXXX messaging pretending to be XXXX telling me to cancel. XXXX/the host lied and said if you cancel we will give you a full refund - if not it will mess up the hosts metrics and and gave me an ultimatum and time deadline to cancel. Again, I called XXXX and they said that was not true that someone was just trying to threaten me and intimidate me to cancel. Then it appeared the " host '' messaged me and said " i am no longer comfortable hosting you. Cancel by XX/XX/XXXX at XXXX XXXX or else you will not get a full refund. It went on and on with threats and the host canceled and kept my money. I had to start a dispute with Citibank Mastercard. I ended up with XXXX related issues well into XXXX. I had XXXX XXXX and my Mother had XXXX and actually did not recover and passed away XX/XX/2021. During the entire time from XX/XX/XXXX to today XX/XX/2021 I have disputed the charges. XXXX harassed me by yelling at me on the phone. XXXX sent an email stating if I did not give a full refund they would remove this listing. None of that happened. Citibank Mastercard did absolutely nothing to help me and kept sending me emails saying they found in the favor of the merchant. This was over {$5000.00} I was charged. The host/XXXX then decided to give back all but {$1600.00}. I contacted Citibank Mastercard numerous times during the time I was sick, my Mom was sick and developed XXXX and XXXX. They refused to talk to me on the phone and even kept hanging up after transferring me numerous times. I ended up closing my credit card account I had for years with them due to this. I even filled something out online and got approved to not have to pay for a while and while this was being disputed. Then they tell me again I have to reopen the dispute and claimed they never received one piece of evidence from me. All lies. Today I find out that while this is still in dispute and under covid relief pay they take {$300.00} out of my bank. We contacted our bank immediately. I talked to someone at citibank and they said you have a balance you have to pay. This is illegal as I consulted an attorney who told me that if the entire balance was in dispute they can not take any money. They claim that I had autopay and they would continue to take money until I turned off autopay. They refused to talk about the amount that is still being disputed. The entire balance on that card is from the XXXX charges. XXXX claimed they would give a full refund then backed out. We had hoped XXXX would have worked something out to change dates considering the dire circumstances. I have proof my Mom died who had XXXX XXXX and she was one of the people who unfortunately had it and we didn't know it and we were exposed to it. I want the rest of my money back. This is fraud especially when the customer service agents refuse to look at any documents I provided including emails and messages from XXXX and stating that XXXX sent them documentation and they refuse to show me what any of that is. This effected my credit as well. I had to get a loan to get my heat fixed during this mess as well. I have been harassed by XXXX and CItibank customer service employees. I barely have gotten through taking care of things after my Mother 's death and am receiving no help at all from Citibank.
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| 08/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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What is the complaint? Citibank submitted a report to the Credit Bureau Agencies ; XXXX, XXXX and XXXX XXXX that I missed making payments for the month of XX/XX/XXXX/XX/XX/XXXX when I was told by the XXXX XXXX XXXX who was guiding me in filing an application to enter a debt management program. XXXX XXXX XXXX instructed me to not to make the payment to Citibank because it would increase my chances of getting approved for the debt management program and that the payment would be rolled into the debt management program. They did instruct me to pay the XXXX payment and I did. Therefore, I trusted their guidance and did not make the payment for that reason which seemed to make sense at the time. Since that time making the payment did not cross my mind. What Happened On XX/XX/XXXX I received a call from XXXX to inform me that they were concerned that I would not make their payments because Citibank reported that I missed 2 payments for XX/XX/XXXX -XX/XX/XXXX. XXXX also informed me that my credit limits have been decreased by 75 % because of the late payments. I was shocked when they said I had missed the payment in XX/XX/XXXX/XX/XX/XXXX. I responded by saying that I have made the payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They told me to call Citibank and the credit bureaus. I called Citibank right away and spoke to XXXX. He told me that my Citibank statement reflects that my status was in good standing. Then I immediately called XXXX, XXXX and XXXX XXXX to file a dispute with each of them. I also mailed out a letter to XXXX and XXXX. I was not able to mail out a letter to XXXX XXXX because the post office said the mailing address was invalid. All 3 credit bureaus reported back that Citibank refused to take off the late payments. On XX/XX/XXXX, I called XXXX at XXXX XXXX XXXX to find out what happened and he said that the late payments should not have happened because of the reaging process protects you from late payments. The credit reporting bureau 's response from Citibank was negative. Who are the people involved? On XX/XX/XXXX I mailed out letters to the following Citibank Executive 's : XXXX XXXX, SVP Customer Service and XXXX XXXX, CEO. On XX/XX/XXXX XXXX XXXX from Citibank 's Executive Group called me and we connected. I tried to explain what happened and XXXX did not listen to what I was saying and flat out responded that I did not make the payment, therefore, they will not take the late payment off the credit bureaus. I tried explaining that I was misinformed by XXXX XXXX XXXX and if I had known that I still was supposed to make the payment, I would have made it. He would not listen at all. I felt I was not heard. On XX/XX/XXXX I called the Executive office and spoke with XXXX, the Executive Assistant letting her know the details and asking if I could speak with one of the Executives and she said she 'll inform them and get back with me by XX/XX/XXXX. Then I received a letter in the mail instead of her calling back and the letter indicated that it was a negative response. I have left XXXX voicemails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have not received a response from her so I called another office so I can be heard and suggested that I send XXXX XXXX, CEO Citibank an email. That is why I am submitting this report again so I can be heard. Under the Debt Collection Defense and Fair Debt Collection Practice Act if the Credit Reporting Agencies if the credit reporting company determines it has enough information to resolve the dispute it will complete the investigation and provide you with the results. If the investigation shows that the furnisher ( Citibank ) provided wrong information about you or if the information can not be verified, the credit reporting agency must correct or remove the inaccurate information. In my circumstance, I was misinformed and should not have to bear the penalties of a credit score decreasing from XXXX to XXXX and have my credit limits decreased by 75 % because of a missed payment that I was not aware of that I had to pay because of the XXXX XXXX XXXX telling me that it was taken care of through the Debt Management Program. I believe it is not fair that Citibank submits to the credit bureau agencies that I was late that one time. I believe under the Fair Debt Collection Practice Protection Act that Citibank remove the late payments from the XXXX, XXXX and the XXXX XXXX reporting agencies for the months of XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Thank You!
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| 02/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Since we use credit cards for all purchases throughout the month, and this Citi card has a low credit limit, we have been making payments during the month to offset usage versus credit limit. Every time we make a payment, our bank account shows the deduction, Citi online shows the deduction, but Citi does not release the funds available to use. We have called repeatedly to address this and they keep telling us that they are waiting to verify the funds. However, their verifying the funds apparently means to sit and wait for nearly a 2 week period without ever making an effort to contact our bank to do said verification of funds. After forcing the issue with their payment department they finally called our bank on a conference call on XX/XX/18 to verify that in this one instance the funds were sent to Citi on XX/XX/18. Citi was waiting until the XXXX to " verify said funds '', nearly 2 weeks after the payment was made, received by Citi, posted to our account, but funds not released. This was 1 of only 2 or 3 separate occasions. The suggestion was to make a payment over the phone with our debit card to expedite this 2 week wait instead of making a payment online with it coming directly from the same checking account as the debit card is attached to. We have been denied repeatedly at purchases due to payments received but available funds not released. Here are just a few examples : payment by phone - XX/XX/18 XXXX posted to card account and funds released for card online, XX/XX/18 funds cleared checking account, funds were confirmed by customer service as received yet I was declined at our veterinarian and the mechanic, actual funds released XX/XX/18 after a heated phone call. Payment on line - XX/XX/18 XXXX posted to card account and funds released for card online, funds deducted from checking account XX/XX/18, denied at a restaurant and the mechanic 's again, actual funds not released until we escalated a call and they finally verified with the bank via a conference call on XX/XX/18 instead of waiting for XX/XX/18. Again we were denied at our local grocery store. We have made another payment on XX/XX/18 online, posted to the card account on XX/XX/18 releasing available funds online, deducted from checking account XX/XX/18, yet on XX/XX/18 we were declined to pay for our final car repairs. I have also been denied at XXXX XXXX XXXX on XX/XX/18, XXXX XX/XX/18, and our grocery store again XX/XX/18. At this point it is no longer worth fighting with customer service, the payment department, and whoever else answers the phone as it is not worth raising our XXXX XXXX to dangerous levels. We have never had this experience with any other account, nor have we had money being held by a bank when it was received electronically. It begs to ask the question of who's using this money as opposed to it's intended purchase. We do understand that there are cases of bust out accounts where people fraudulently make large payments well beyond the credit limit to expand their buying abilities, all the while knowing that the payment has non-sufficient funds. But when a bank is refusing to physically contact another bank to verify the funds validity yet refuses to release the funds confirmed received electronically, we are hard pressed to continue believing Citibank. Being declined with companies that we frequently do business with and have extremely good customer/merchant relationships with is extremely frustrating and highly embarrassing. Today, XX/XX/18, we made proactive excuses FOR Citi Bank that they were having problems with their servers in case it was declined. It was declined and then paid for via another card. However, when did it become ok for the customer and their experience to have to make fake excuses for Citibank so the customer doesn't experience the embarrassment with the merchants? I do believe that posting of funds received to the online account electronically, but continuing to hold them unavailable to the cardholder in upwards of almost 2 calendar weeks is in direct conflict with XXXX 's regulations and compliance requirements. I am unsure of the Federal regulations and compliance requirements for any bank to accept electronic payment, and not release available funds to the customer for nearly 2 weeks. We will be cancelling this card as soon as all transactions post and payments clear. We will not do business with a bank where we have to call and argue with them on the validity of our payments on a weekly basis.
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| 10/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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The complaint site only allows to input one credit card. However, all of my credit cards are affected.
I will explain what happened to one credit card.
But for this particular credit card ending in XXXX ( XXXX XXXX XXXX XXXX ), I didn't do anything wrong, it's just a card that focuses on daily purchase regularly for 8 years without no missing payment, Citi has all the shopping history as evidence to trace and investigate. Close this card is unfair.
What happened : I have used Citi credit cards since XXXX. During the nearly 8 years, I've been very loyal, using them regularly and routinely, and NEVER missed a payment.
I have three cards with Citi : 1. 'XXXX XXXX XXXX ' with a {$48000.00} credit limit, earned {$3000.00} in cash rewards, but have not redeemed them yet.
2. 'Cost anywhere card ' with a {$10000.00} credit limit, earned {$620.00} cash rewards, but have not redeemed them yet.
3. 'Citi XXXX XXXX XXXX ' with a {$25000.00} credit limit, earned 200,000 rewards ( equal to $ XXXXcash based on 1:1.5 rate ) but have not redeemed them yet.
Citi closed all my credit cards on XXXX XXXX ( Saturday ) without a logical or fair reason, which caused some large issues in my daily life.
1. The impact to my credit score was immense due to the large credit limit drop. ( I'm close to buying my own house, and this is debilitating for me ) -The effect that it has on my life is very negative from this significant credit score drop.
-I will most likely lose the chance to buy my house -I may lose future job opportunities since companies run a credit check.
2. Refusal to let me appeal even know there's no logical or fair reason given 3. Taking all of my {$3600.00} cash rewards and point rewards ( $ XXXXvalue ) that I earned away I will explain what happened and what help Im looking for.
* I used the first two cards ( XXXX XXXX & Costco anywhere ) very often to buy all my personal and business office items, but used 'Citi thankyou Premier card ' less often.
Since XX/XX/XXXX, I decided to use 'Citi thank you Premier ' more frequently. We have a 'stimulus program ' to award employees who perform really well with XXXX gift cards. I was using my XXXX business credit card to buy XXXX gift cards from XXXX grocery store, instead, I wanted to use the 'Citi thank-you Premier card '.
First, I called in Citi customer care and security team to report that I will start using the 'thankyou Premier card ' more often and will have some big transactions.
Second, after they put in a note, I still had problem making the transaction. I received a security message every time, and I did call in every time to verify myself to make the transactions.
Third, and most importantly, I did ask them every single time if it's ok to use this card for these big transactions, if not, I would switch back to XXXX. However, all the security representatives I talked told me the same thing that it's fine, I just need to call in to verify myself.
HOWEVER, Citi still cancelled all my credit cards on XXXX XXXX ( Saturday ). I even called in to talk to representative to purchase the monthly stimulus prize-XXXX gift cards on XXXX XXXX ( Thursday ) Through all of these verifications with Citi representatives XXXX never once did any of them tell me this was something I couldnt do.
I care about Citi, and Ive had these cards for 8 years. I use Citi for all my personal and business purchases, and have never missed any payments. I did call every time and verify who I was, and that I was in-fact making these purchases. The disconnect and wrong information I received as a loyal customer is concerning. I am not one to misuse or break any type of policies you may have, and that wasnt my intention.
I know Citi is sensitive, so I was looking for the Citi employees to guide me the right way. Customers dont know everything, but instead of answering and guiding the customer through the policies, my accounts were just closed. As mentioned above this has affected me in multiple ways.
Furthermore, my other two accounts were affected and I am still carrying a balance for all three.
This is very hurtful, after 8 years and they just kick you away, take all you have, and don't give a reason. They dont even don't allow you to appeal. Is this the way good customers get treated?
This situation has made a large inconvenience in my life and has caused some significant damages. I would like to work to resolve this issue and continue to be a loyal customer.
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| 07/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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1 ) What is the complaint about?
The fact that on XX/XX/2020, a male criminal in XXXX, XXXX illegally charged {$7100.00} on my Citi Cards MasterCard. ( There were three illegal charges made, one after another on the same day, from three different companies '' for {$2200.00}, {$2400.00}, and {$2400.00}. ) See attached Citi Cards statement.
2 ) What type of problem are you having?
I have been dealing with Citi Cards for four months regarding this matter. They say, that because I dont have any documentation, like a receipt or receipts, as proof, my claim is invalid. Yet, Citi Cards can not tell me what they think I purchased for these charges. How can I have receipts for something I didnt buy, and my credit card was returned to me and told the card didnt work? ( See further explanation that follows. ) Only recently ( XX/XX/2020 ) has Citi Cards reversed one of the charges made on my card by this criminal. But for some inexplicable reason refused to credit the two others.
When I called this last week, I was given no explanation why one of the charges was reversed, and at the same time, told I owed the other two charges.
I was also told by XXXX ( Employee # : XXXX ) in Billing Disputes, that because they, Citi Cards, could not collect said funds from the businesses in XXXX, I am now responsible for paying. XX/XX/XXXX, I was told that I owe the money because I approved the transaction. Again, how could I have approved these charges on my credit card when I was told the card didnt work, and it was given back to me?
3 ) What happened?
I attempted to pay for a taxi ride from the airport in XXXX, XXXX to a hotel in XXXX with my Citi Card. I gave the credit card to the thief who put it in what I thought was a legitimate card reader. He gave me back my card and said, It doesnt work. Youll have to pay the driver in cash, yourself.
At the time, I assumed Citi Cards rejected the charge because it was my first day in a foreign country, even though I had called Citi Cards days before I left to say I would be traveling. When my wife and I arrived at our hotel, I paid the taxi driver in cash.
Citi Cards says that because I do not have a receipt for this taxi ride, which had nothing to do with the charges on my credit card, my claim is therefore invalid, and I must pay them the money illegally charged to my card by the thief.
Citi Cards can not tell me what I supposedly purchased for these three charges. Citi Cards can not logically explain how, by me not having a receipt for a taxi ride has anything to do with being scammed for {$7100.00} by another man, a thief, in XXXX. They have also asked for receipts from these three scammed charges that I did not make, and therefore do not exist, and say there is nothing they can do about the situation without them.
As soon as we got Wi-Fi set up on our cruise ship, one or two days later, I checked my Citi Cards statement online, and discovered I had been scammed. I immediately called and reported it to Citi Cards. They canceled my card and said I could deal with the scam when I returned home approximately two weeks later, and it would all be taken care of. But from the first day I returned home and called Citi Cards, they have refused to correct the illegal charges.
The waters have become further muddied by the resolving only one of the charges but not the others, as previously stated.
Also, I am being charged monthly interest on these unauthorized and still disputed charges.
4 ) What company is this complaint about?
Citi Cards, XXXX. XXXX XXXX, XXXX XXXX, South Dakota XXXX Also, the companies in XXXX, XXXX, who received the stolen money. ( Although, I do understand you have no jurisdiction to deal with these foreign entities. ) XXXX XXXX, XXXX, XXXX {$2200.00} XXXX XXXX, XXXX, XXXX {$2400.00} XXXX XXXX, XXXX, XXXX {$2400.00} resolved/canceled XX/XX/2020 Total : {$7100.00} New total : {$4600.00} 5 ) Who are the people involved?
The criminal in XXXX, XXXX who illegally used my card. [ Name unknown ] Citi Cards investigators who are refusing to remove these unauthorized, illegal charges made by the criminal in XXXX.
I have received two update statements from Citi Card regarding the other two charges.
One dated XX/XX/2020, the other XX/XX/2020. Both say, The assigned Security Associate [ no name given ] will contact you if they need any additional information. I have had no contact with anyone from Citi Card, only billing statements saying I owe this money.
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| 04/03/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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OK so my mom had XXXX when XXXX very first started out I was credit card fraud I was doing the best to always keep my credit up and make my payments and then I told these people that somebody was going in and racking up a bunch of stuff on my credit cards for Home Depots I had XXXX credit cards then they were making the Bare minimum payment pretending to be me and then going and turning around and going back through the line and purchasing more stuff and going over the limit as I called them and told them this is not me stop letting this happen theres still trying to get money for both credit cards on top of that I had a XXXX XXXX with Citibank I also had a XXXX somebody has used all these racked up a bunch of that of course I had some dead on these but not like I do now and I have called all these companies and certified the mail hired XXXX and they have been telling them stop harassing me they will not they want all their money and late fees and all the stuff and I have told him repeatedly to go back and look at his signatures these are or who is doing white but as you know there are so many scams with Covid right now Bare minimum payment pretending to be me and then going and turning around and going back through the line and purchasing more stuff and going over the limit as I called them and told them this is not me stop letting this happen theres still trying to get money for both credit cards on top of that I had a XXXX card with Citibank I also had a XXXX somebody has used all these racked up a bunch of that of course I had some dead on these but not like I do now and I have called all these companies and certified the mail hired XXXX and they have been telling them stop harassing me they will not they want all their money and late fees and all the stuff and I have told him repeatedly to go back and look at his signatures these are or who is doing white but as you know there are so many scams with Covid right now now not to mention when you use a gas card for XXXX you dont got ta prove anything or show anything you just pull in grab your gas and leave when you go to a gas station you can go in and use a credit card swipe it and grab chew tobacco food whatever you want and thats what these people did they did all kinds of crazy things and I have been fighting us and I cant refinance my house I cant do anything and move forward because they have ruined my credit and before any of this the credit bureaus know that my credit was always outstanding I always paid above and beyond I even had to give my truck back and have someone take over payments and notarize it at a bank just so I didnt XXXX up my credit and then this happens are you kidding me I am not wanting to play around with my credit at all!! Everyone knows that I was coming into a little bit of money because my mom died like maybe XXXX and they knew that and so thats why people are so shady they also Sold a bunch of stuff from my mothers house and I couldnt prove exactly who did it but they did it and then my XXXX has been hacked my whole entire everything has been ruined and now I keep getting weird text messages for my niece XXXX who is strung out on drugs through my phone my XXXX being harassed on social media and I have a funny feeling but I cant prove anything I need some help Ive already made a police report that she came here and stolen over {$3000.00} Worth of clothing bath stuff shavers perfume a bunch of stuff of mine out of my home because shes XXXX out on XXXX shes XXXX XXXX XXXX shes a XXXX XXXX goes around doing XXXX things for XXXX shes very bad and she knows how to hack stuff like crazy to get her XXXX money shell do anything I cant prove anything that its her but I have a funny feeling and I need some help her name is XXXX XXXX I just received just now as I write this another weird thing on my phone with her name on it but I do know that she was also involved with a guy name XXXX XXXX again she knows a lot of druggie people and I can not prove For sure who is exactly stole those credit cards who exactly racked up all those charges but I know somethings not right and I keep trying to fight these creditors and paying the {$60.00} to XXXX XXXX and XXXXm not getting anywhere certifying letters to the creditors explaining to them things arent seeming right as I own my own home Im never late on my payments and I have been doing the best I can and these things are dragging my life down deep I need some help sincerely miss XXXX
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| 10/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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XX/XX/XXXX @ XXXX P/T - Called customer service @ XXXX. Spoke with operator to clarify payment allotment on credit card, as I called 2-3 times in the past about this with Citibank. Each time I am told that payments made will pay any fees, interest, cash advances first, along with the minimum payment due going towards lowest interest rate. Anything paid on top of this total will go towards any additional interest rates from lowest to highest.
I only have 2 interest rates on my card : 10.99 % and 24.99 %. 10.99 % is a special promo interest rate balance transfer offer. On XX/XX/XXXX, I paid {$200.00} to go towards my bill that was due on XX/XX/XXXX. This bill, with payment due on XX/XX/XXXX, had a minimum payment of {$20.00}, interest of {$9.00}, and no fees. This bill showed that I made purchases of {$96.00}. My 10.99 % special balance transfer offer ending on XX/XX/XXXX had a balance on this bill of {$840.00}. After speaking and confirming with a previous agent in regards how allotment works with Citi, I analyzed that {$200.00} would cover my total interest on this bill, along with the minimum payment that goes to the lowest interest rate ( which would be the 10.99 % special promo balance transfer offer ), the balance subject to standard purchases of 24.99 % ( where the balance subject was {$74.00} ), and additional purchases that posted on this bill, which was {$96.00}. ( {$9.00} interest + {$20.00} minimum payment + {$74.00} balance + {$96.00} purchases = {$200.00} ). I was reassured last time when I spoke to a Citi agent that this would avoid any interest accrued on the 24.99 % interest rate.
The current bill that is due on XX/XX/XXXX shows the allotment was done incorrectly, or that I was once again given misleading information from Citi. This month I noticed that my special promo balance transfer of 10.99 % interest that ends on XX/XX/XXXX was reduced from {$840.00} to {$760.00}, a reduction of {$81.00}. Once again, I was informed by Citi agents multiple times over the phone that minimum interest payments go towards lowest interest rate on card, which would be this on this portion. I was informed that out of the {$200.00} I paid last month that only {$20.00} ( which was my minimum due ) would go towards my special low interest rate balance. Once again, I became frustrated come to see my current bill that the allotment I was informed of multiple times about was not accurate. An overage of {$61.00} of my payment went towards my lowest interest rate when, from the information I was given over the phone multiple times informed me that only the minimum payment of {$20.00} would. I was upset seeing this along with a a higher interest charge of {$8.00} towards a balance of {$390.00}. I expect to be paying interest on my special balance offer of 10.99 % still, but I do not understand why more of my payments that I make each month is always going to the lowest interest of 10.99 when every time I am told that only the minimum amount due will be allotted to this portion.
When I spoke to the operator today, she informed me on her screen she saw I had a standard purchase balance of over {$500.00} that interest was charged on, and she realized that I do not see this on my end ( my statements ). The in-house computer system at Citi is calculating different numbers than what they are informing accurately to the consumer. I strongly believe that there should be a proposition against credit card companies that they need to be clear and accurate in their allotments and charges, to make it easier for consumers to understand their bills and how payments are divided. Calling Citi and speaking to agents multiple times, where each one told me the same exact thing about allotment, I try to do what they advise to avoid higher interest charges, to only being surprised by unexpected higher interested charges that I was reassured over and over would not happen.
I understand credit cards are a business, and they have to make money. But I feel this is stealing money from consumers who are trying to do the right thing, accepting the information on allotment provided by that credit card. I read over their small print, along with spoken numerous times with agents on the phone about this, and each time the agents tell me the same thing how allotment works. When I try to calculate how much to pay each month, I am always seeing a much bigger portion than just the minimum taken from my payment that pays towards the lowest APR.
|
| 06/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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In XXXX I found on my credit report a chargeoff report for a credit card that I hadnt used in some time, which I believe to be a result of an error or fraud. I later submitted disputes to all XXXX agencies, and 2 of them did not fix the issue. Neither substantively responded. In XX/XX/XXXX I was denied for multiple car loans and had to take a loan at an exorbitant 5 % interest rate. In XX/XX/XXXX I received a debt collection letter for the card in question. I called by phone and sent letters by certified mail to all parties involved, with no resolution or substantive response. In XXXX, this incident resulted in me being denied a mortgage by XXXX, despite having an XXXX credit rating from XXXX, because of the error not being fixed by the other two agencies. I would like to thank XXXX for fixing the issue when I disputed it.
Summary of my current situation : An error or fraudulent charge of {$43.00} on a Macys credit card has not been fixed by 2 credit agencies or by Macys/DSNB XXXX
This has hurt my credit score by XXXX points.
This has cost me thousands of dollars in car loan interest since XXXX.
This has resulted in mortgage denials by XXXX for a home purchase in XXXX.
The offending parties are : XXXX and XXXX, Macys, Department Store National Bank, and XXXX XXXX XXXX.
My credit scores are as follows as of XX/XX/XXXX : XXXX : XXXX XXXX : XXXX ( has not fixed ) XXXX : XXXX ( has not fixed ) Timeline of events : Early XXXX : I find a negative item on my credit report for a chargeoff on a Macys Credit card.
XX/XX/XXXX : Filed a Credit Report dispute with XXXX, using their website. The dispute ID is XXXX.
No response from XXXX is received by mail or digitally for 5 months.
XX/XX/XXXX : I call XXXX support and speak with XXXX. She tells me that the dispute was marked Resolved on XX/XX/XXXX, and the result was mailed to XXXX XXXX XXXX. This address was my address between XX/XX/XXXX and XX/XX/XXXX, it is 8 years out of date and XXXX has been aware of all my interim addresses as well as my current address. XXXX from XXXX tells me that they can not mail me a copy of the resolution to my current address. She suggests I try to view the resolution using their website by giving her my email. I do so and receive an email directing me to use disputes.transunion.com. This website does not show any disputes for my account. There was no fix.
XX/XX/XXXX : I submit a Credit Report dispute with XXXX. It has an ID of XXXX.
XX/XX/XXXX : XXXX dispute is marked complete with no fix. ( no document available ) XX/XX/XXXX : I submit a Credit Report dispute with XXXX. It has an ID of XXXX.
XX/XX/XXXX : The XXXX dispute is complete. My credit score rises from XXXX to XXXX.
XX/XX/XXXX : I purchase a car and am denied promotional loans of 0.99 % by XXXX financing department. I secure a 5 % loan, and collect documentation that many lenders denied me because of a collections item on my credit report.
XX/XX/XXXX : I received a debt collection letter from XXXX XXXX XXXX, dated XX/XX/XXXX, claiming that I owe a debt of {$330.00} for a Macys credit card that I have not used in some time. The card is serviced and legally managed by DSNB ( DEPARTMENT STORES NATIONAL BANK ).
XX/XX/XXXX : I called Macys and DSNB to request resolution over the phone and was told by both that they could not help and that they could not point me to a process to follow.
XX/XX/XXXX : I send dispute letters via certified mail to both XXXX XXXX XXXX and DSNB.
( XXXX never responds ) XX/XX/XXXX : I received a packet from XXXX XXXX XXXX with Account Statements for the Macys credit card, which I previously had not received by mail or digitally. The statements show XXXX ( XXXX ) charge of {$46.00} dated XX/XX/XXXX. This packet does not include any response to my dispute. I do not consider it a verification of the debt.
XX/XX/XXXX : I sent another letter to XXXX XXXX XXXX via certified mail, to say that the alleged charge is likely a case of error or fraud. I request they drop the collection and remove the credit report item.
XX/XX/XXXX : I received a packet from XXXX XXXX XXXX It is a duplicate of the XX/XX/XXXX packet, with no additional response, and only includes printed account statements.
XX/XX/XXXX : I am denied a mortgage in part because of this error not being fixed at 2 of the 3 agencies.
XX/XX/XXXX : Submit the above in a complaint on the CFPB website at https : //portal.consumerfinance.gov/consumer/s/complaint-description
|
| 01/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I rented a car from XXXX back in XXXX of XXXX. I prepaid for the car, a total of {$160.00}, which was charged to my account on XX/XX/XXXX. I disputed a charge from XXXX, because they charged me {$900.00} more than the agreed-upon amount ; two occurred on XX/XX/XXXX, and another three occurred on XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ... two of these were refunds, but the total sum of all 5 charges was {$900.00} XXXX.
I was in XXXX with a car I'd rented in XXXX back in XXXX. XXXX closed their borders, and I was physically unable to return the car in the location I'd agreed to. I called the merchant, explained the situation, and they said that there would be an automatic charge of XXXX {$300.00} on the account, which they would work to refund given the extenuating circumstance. I later called and emailed the merchant when I noticed {$900.00} of charges on my account, and they backtracked, refusing to refund me. Their explanation was " we can't control the fact that you chose to take the car to XXXX, '' except that traveling to XXXX with a car was explicitly allowed without additional charge. I also checked the statement of return, which they emailed me, and in that statement they list no new damage to the car, and state that the tank was returned full. So there is no reason I can see for these additional charges.
After slow back and forth communication with the merchant, I finally opened up a dispute with my Citibank Visa card on XX/XX/XXXX. I called after submitting this first dispute, stating that I had additional information that would be helpful in the investigation. I was told I would be contacted if they needed more info. At some point in XXXX, I called looking for an update, and they told me it was in process. I found out by checking my credit card statement that Citibank inexplicably refunded me {$60.00}, so I called them again and found out that my dispute had been resolved. I disagreed with the resolution, so I called and talked to a rep. The rep said that I could re-open the dispute, so I did on XX/XX/XXXX.
I called them some time in the fall ( XXXX timeframe ) and they said the dispute was still in process. I just found out after digging around on my Credit Card account that my dispute was resolved in the merchants favor back on XX/XX/XXXX because the charge is too old. I called to question this resolution, to which the dispute department rep told me that they sent me a physical letter back in XXXX, and because I didn't respond they resolved the dispute in the merchants favor. I never received a letter. I also never received the letter that they supposedly sent out on XX/XX/XXXX. I informed the rep of this, and was told in response that they definitely sent a letter. I told them I'd called them multiple times over the past several months, to which the response was " no, you never called us, we'd have that information on file. '' Yet later, the rep acknowledged that I'd called in the fall and in the summer.
I asked why they didn't call - their response was " we have millions of customers ''. Yes, but somehow they can contact the merchant, but not me? Also, they have my email account on file. Why not an email? I got an email when I initiated the dispute, but not when it's resolved? Or a text notification? Even an automated call. There are many ways to inform me, the customer, that a resolution has been found and they choose to send a letter? And whether or not it is resolved in my favor is predicated on my response to a physical mail? Then why not send it via certified mail? Seems like the system is set up to intentionally favor the merchant.
But regardless of all this, why would they allow me to re-open the dispute if the charge is too old in the first place? I call to tell them their resolution was incorrect, they tell me to re-open the dispute and would provide me reasoning to the dispute department. Then three months later tell me it's too old?
The only reason this dispute is " too old '' is because of their outdated system, and overall incompetency 's on their end - but I'm the one suffering for it. Overall, I'm still looking to be refunded the remaining {$840.00}. If the credit card company wants the money back, go after the merchant that is unfairly charging people during an emergency in excess of what is reasonable or expected.
In the attachments I have included my email communication with XXXX, XXXX 's Statement of Return, and a screenshot of XXXX 's charges to my account.
|
| 08/20/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Please find below text from a letter that I sent to Citibank which summarizes my correspondence with them ( I have deleted my personal information, per above instructions ) : To Whom It May Concern : This note is in regards to my federal student loans through Citibank. I graduated from XXXX school in XXXX, 2005. I relocated from the XXXX XXXX area to XXXX for a job. Meanwhile, several months later, my first loan payment came in the mail to my folk 's address in XXXX. My mother forwarded my Citibank statement to me in XXXX. Upon opening my statement, I saw that the due date was just a few days away. I knew that sending the check in the mail from XXXX could take several days, so I called Citibank to ask about my payment options to be sure my payment would be received on time. I knew that I needed to send in each payment on time to receive a 1 % decrease in the interest rate ( 2.75 % to 1.75 % ). I figured there would be options for submitting the payment on time, either overnight delivery or perhaps to make the payment over the phone during the conversation with the Citibank employee. In speaking with the representative, I noticed that the statement had two dates written at the bottom, one called " due date '' and the other date marked " late if not paid by. '' The Citibank employee I spoke with reassured me that as long as my payment was received by the second date, it would be considered " on time. '' I told her I was not concerned about a late fee, per se, but that my main concern was getting the payment in on time to be sure I would be eligible for the decrease in interest rate after my first year of payments were received on time. She assured me again that my payment would be considered " on time '', even if the mailing from XXXX took a couple extra days. She said it would be acceptable and I would still be eligible for the 1 % reduction in interest rate as long as the payment arrived before the second date listed on the statement. As I said before, I was very concerned that my payments would be on time so that I would qualify for the decrease in interest rate when the time came. I was so concerned that I called Citibank 's customer service on several occasions to verify that this would happen. Each time I called I asked the same questions about my statement. There were always two dates at the bottom of the statement on the payment coupon, one that said " due date '' and the other that said " late if not received by. '' ( the dates were usually a few days apart ). Each time I called I was reassured that my payments were considered " on time '' and " not late. '' I reiterated over and over again that my purpose for double, triple checking the " due date ( s ) '' was because I needed to send the payments on time to qualify for the interest rate reduction. Then, when it was time for my interest rate to be reduced form 2.75 % to 1.75 %, I called Citibank to inquire about it. The person on the phone told me that I did not qualify for the interest rate reduction because " all my payments had been late. '' This did not make sense since I had submitted 100 % of my payments on time ( perhaps Citibank has a delay in processing payments that are received on time? ). I feel that perhaps my phone calls with the representatives who gave me the information about the due dates and reassured me that all my payments were " on time '' may have been recorded for customer service training and/or quality assurance. When I called again and explained the entire situation, the representative apologized, looked up my account, and agreed that my payments were indeed paid on time, and assured me that the situation would be rectified. I have not heard from Citibank since then. I recently called once again and mentioned all of this to someone at Citibank, and she recommended I submit this letter. I had called and even submitted online inquiries as to how long customer service related inquiry phone calls might be saved, as I knew if these calls were reviewed, surely my interest rate reduction would have to be honored. I know it has been some time that has elapsed since all this has taken place ; however, I would still like the problem to be resolved. I acted under guidance and advice of Citibank employees, and since I followed their instructions and sent in every payment on time, the decrease in interest rate should have occurred. I sincerely hope that someone at Citibank can help resolve this issue. Thank you for your time,
|
| 03/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I opened both a checking and a saving account with CitiBank on XXXX throught the credit card portal that I already had with the bank. I was able to access all my accounts in my portal the evening of XXXX. I set up an initial transfer for the account to fund the checking and savings account. When I woke up the next day my access was revoked to all my accounts.
I contacted Citibank to resolve the login issue and was told it was a simple error. They told me they just needed to remove the checking and savings accounts from my credit acount. They would reset my login information and then add those accounts back. I asked if this would cause any issues with my credit card or accessing those accounts, the agent informed me it would not. They said it was a simple fix and everything would be back up and working.
After removing all my accounts the agent said they could add the checking and saving account back if I provided them with the account information. I informed them I did not have that informataion. When I signed up online no confirmation email was sent to me with that information, the only access I had to those accounts was through my portal which was now removed. The agent then informed me there was nothing further they could do and they would nto be able to assist since I didnt have the account information.
I asked to be transferred to a department that could help resolve the issue because I had a large transfer of over {$19000.00} coming to the account that I did not feel comfortable not having access too. I was transferred to two other departments and no agent could help me. I was initial told they could not locate the accounts without my account information. I informed them it was unacceptable since I could provide them all my other personal information. I was eventually transferred to a supervisor that could not resolve the issue.
They informed me I needed to wait until I get my debit card before anyone could assist me with the account or provide me with any information. I let that supervisor know I did not feel comfortable having such a large sum go to an account that I cant access or have the information too. I requested the supervisor to stop the transactions and they advised they could not do that either. They informed me I would need to contact my current bank and stop the transactions. I was told this would cause no fees or charges to my account and once the transactions were stopped the account could be closed.
I asked if there was someone else I could speak to but they informed me there was not. I asked for a contact email or name to get in touch with someone to resolve this issue, she told me there wasnt. She informed me someone would follow up in 24-48 business hours but could not tell me the name or contact of who was calling me. I asked if there was a case number or anyone to resolve this issue today and the supervisor disconnected the call.
I waited another 48 business hours and received no call from citibank. I reached back out on XXXX to check the status of the account. I was told there were no fees charged and the transacations were rejected. I requested to close the account again and was told I could not do that at this time. I was then told my account had a negative balance that needed to be resolved before I could close the account. I requested to speak with another supervisor and was transferred again. This supervisor informed me there was nothing further they could do the resolve the issue. They told me the negative balance had to be addressed before the account could be closed. I asked why there is a negative balance when I was directed by the last supervisor to stop the payment from my current bank and assured there would be no charges. They assured me the balance would be reset to XXXX by XXXX and I would need to call back then to close the account.
I am no stuck waiting for an unknown amount of days to close an account that has a negative balance that Im unsure will be resolved. Everytime I contact the bank to close the account the requirements are changed and they keep pushing the deadline. Im also worried they will charge me the full amount for my balance transfer which is my entire savings. I have still yet to recieve anything with the account information on it outside of a notification email about the low balance but only providing only the last XXXX digits. I really need some assistance on resolving this issue. This has been a terrible experience.
|
| 07/29/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I am Federally Protected Consumer and I have strong reason to believe my consumer rights have been violated by CBNA - CITI/WAYFAIR BANK Acct # XXXX. I have strong reason to believe CBNA- CITI/WAYFAIR is violating me under under TILA & BILLING ERRORS 15 USC 1666 with this account. Starting after XXXX I have tried to explain multiple times in certified writings, and over the phone with CBNA-`CITI/WAYFAIR what 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature, my social security number MY INSTRUMENT " I EXTEND CREDIT '' and it is my right to operate in commerce. CBNA-CITI/WAYFAIR is damaging my credit worthiness, tarnishing my name by furnishing negative information a " late payment '' on my consumer report which is " false misleading representation 15 USC 1692E A furnisher may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which CBNA- CITI/WAYFAIR NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information " a late payment '' on my consumer report? I don't know maybe coercion, extortion, wanting me to be quiet while I'm being violated by them I can only assume. So how can CBNA- CITI/WAYFAIR say '' I owe '' this fictitious obligation and I was late paying on this fictitious debt in XX/XX/2022? PER FEDERAL LAW states 18 USC 8 The term obligation '' or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAYED BY THE UNITED STATES PER 18 USC 8 that's what that Federal Law is clearly stating so CBNA- CITI/WAYFAIR CAN NOT use the excuse " the consumers lack of timely payment '' as reason to CONTINUE TO FURNISH the negative information " a late payment '' on my consumer report after multiple attempts to show them the Federal LAWS sadly CBNA-CITI/WAYFAIR still wont comply with the FEDERAL LAWS and remove the negative information " a late payment '' from my consumer report. FEDERAL LAW SUPERCEDES there " company policy ''. I'm just trying to make it clear that I have strong reason to believe there is some Violations occurring. And there is no FCRA Law that states a " furnisher must report negative information " late payment '' to a credit agency. UNDER THE FTC, GRAMM-LEECH-BLILEY ACT , FCRA I have the right to privacy. I NEVER GAVE CNBA- CITI/WAYFAIR lawful or legal consent MY authorization to furnish, spread, for profit my NONPUBLIC PERSONAL INFORMATION to non affiliated third parties. So to sum this all up PER FEDERAL LAW 18 USC 8 THE UNITED STATES HAS THE OBLIGATION TO PAY DEBT WHICH THEY ALREADY HAVE PAID THE DEBT. UNDER THE TRUTH IN LENDING ACTBILLING ERROR 15 USC 1666 THERE IS NO SUCH THING AS LATE PAYMENTS. ALL CREDIT TRANSACTIONS ARE EXTENDED CREDIT FROM ME, FROM MY SOCIAL SECURITY NUMBER, MY WRITTEN SIGNATURE, MY INSTRUMENT I'M THE CONSUMER. So they legally, or lawfully CAN NOT hold hostage my consumer report by furnishing negative information a " late payment '' on consumer report. I'm asking the CFPB to step in, and enforce, my Consumer Rights against CBNA-CITI/WAYFAIR. They are damaging my name and my creditworthiness and prohibiting me from commerce which is my right..
|
| 09/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
In early XXXX, I converted a Citibank personal bank account to an account in the name of my living trust. I supplied various documents to Citibank at that time. Everything was working fine until early XXXX, when I received a letter via XXXX XXXX stating that my account would be frozen unless I provided unspecified missing information. I telephoned XXXX XXXX, my relationship manager at my local Citibank branch. XXXX told me that it was a bureaucratic error, he had all the information, I didn't need to come in, and he would take care of the problem.
I thought the problem was resolved until a similar letter arrived via XXXX XXXX in late XX/XX/XXXX, saying that my account would be frozen on XX/XX/XXXX if the unspecified information was not provided. The letter had a reference number of XXXX. I called XXXX 3 times ( XXXX was listed as the contact person on the letter ). Each time I heard an automated message that I would have to contact the person via another method, after which the phone call forwarded to a central switchboard. No one answered at the central switchboard, and then the call disconnected. I wasn't given the opportunity to talk to anyone, or leave a message. I sent an email to XXXX at the email address listed on the letter, and the email came back as undeliverable.
On XX/XX/XXXX, I called the toll free number for Citibank. The customer service representative said that she could not tell me what information was missing, and that only XXXX could help me resolve the problem. I said that XXXX wasn't answering his phone, so she said she would send an email to XXXX and the branch manager.
Having heard no reply from XXXX or the branch manager, I visited my local branch on XX/XX/XXXX. I asked for the branch manager, and was told he was on vacation for a month. I was also told that XXXX had transferred to another job at Citibank. XXXX, the man in charge at the branch that day, said he would try to help. He spent a lot of time before he could find someone to tell him what information was missing. I was told that 2 forms were needed, as well as a copy of the trust document. All of this information was provided in XXXX, but apparently was never filed properly. XXXX and I filled out the forms. I told XXXX that the trust document was originally provided, but I obviously didn't carry it with me that day. He said he would look for the trust document. I told him to contact me if he needed another copy, and I would bring it in. I never heard back from XXXX, and assumed that the problem was resolved.
On XX/XX/XXXX, I went to my Citibank ATM, and saw a message that I should call a toll free number if I wanted information on my account. When I returned home and called the toll free number, I found that my account had been frozen, even though I had never received any notification that Citibank had actually frozen the account. I also found that several recent checks and automated payments ( such as my electric bill ) had been rejected by the bank even though there was more than enough funds in the account.
I returned to the local Citibank branch that afternoon ( XX/XX/XXXX ), where the manager XXXX XXXX spent nearly an hour trying to resolve the problem. Knowing that a copy of the trust document might be needed, I provided that to him. XXXX called me back late that afternoon, and told me the account was no longer frozen. I haven't tried to confirm that the account is available now, but I assume that he told me the truth.
XXXX said that many financial institutions ( including Citibank ) have had trouble implementing the federal rules regarding " Know Your Customer ''. I don't know whether he is telling me the truth about that, but I do know that Citibank did a horrendous job of handling my situation. Thus I feel it necessary to file a formal complaint with the CFPB. I feel it necessary for the CFPB to know about specific institutions that are abusing its customers, and believe that such institutions should be fined for their mistakes. XXXX has promised that Citibank would reimburse me for any late fees or NSF fees due to my frozen account, but this experience has also cost me a lot in regarding the time and effort necessary to rectify Citibank 's mistakes. I have also lost a lot of sleep and incurred a lot of stress due to this experience. I believe that the CFPB should establish standard rules requiring financial institutions to pay " victim compensation '' to those customers which they abuse.
|
| 07/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
Ok.. now, this is where I begin at with this citi Bank . I called tonight starting from XXXX XXXX. till XXXX XXXX. and I had no resolution to my checking account ending in XXXX. Mind you, I only used account with {$250.00} for the direct deposit from my XXXX XXXX account to start my funding for citi bank account or accounts, so I followed and did everything legally. Then, u will see all the attached statements from the three months I only used that citi account for I only stayed for one direct deposit from XXXX for {$910.00} due too them making false statements against my account. I took screenshots of every inch and every foot of the process of my XXXX XXXX check hitting my account ending in XXXX a $ - XXXX overdrawn account now??? How??! Omgosh! Wow, Im in shock. Pls look at the dates that they stated the transaction or transactions went through. Now, theyre stating that the {$240.00} payment that citi bank allowed without my CONSCENT while I was on the recorded line at the exact same time citi bank took {$240.00} from my account ending in XXXX, and allowing home depot.com too take yet more money from my account without my permission wow, I put another partial payment for a couch-originally ordered for {$670.00} at XXXX XXXX on the same date as on XX/XX/2023??? Why would I put a partial payment on another same, HALF of a couch that Id half too cut in half cause that is what citi bank approved them too take from my account I called Home Depot as well I spoke with multiple supervisors and a few saw the charge for {$240.00}, Wow. It is all recorded, I swear. what in the world is going on with my account??? Wow. Pls look at the before screen shots and evidence of my XXXX positive balance and then, after I transferred my XXXX from my account ending in on the XXXX XXXX XXXX XXXX, too the XXXX ending account, it went hey wire! My account did! Wow XX/XX/XXXX, due too me transferring my {$910.00} too the correct account there at citi bank, with a teller on the chat with us option, I was on the phone with a citi bank worker when they, the citi bank, or whom ever, allowed another partial payment of {$240.00} on my debit card??? After I made my first authorized purchase for the full payment of the couch from home depot online. The payment I didnt authorize, {$240.00} my first transaction on that account was for my new couch at the time, and it went through at XXXX as u can see from all my evidence Then at XXXX XXXX. Home Depot was allowed without my permission too take yet another XXXX! Omgosh! They never gave me my funds back either from citi bank, as in the {$240.00}, I cant recall. It went missing, literally, and their stating that they have no record of it! I do though as shown in evidence I have the screenshots uploaded from the portal from citi bank app on this whole complaint. Wow then, the citi bank put allllllll, and I mean allllllll my transactions, in a specific order after I never purchased my products in that order as the statement and screenshots show.. Pls look. They are over drafting my account honestly, and its too much as in overcharges and all alleged fees! My total positive account at citi bank was {$910.00} on XX/XX/2023. And now its too a NEGATIVE - {$1000.00}. in less than 8 days according to citi bank, Im allegedly owing them XXXX or more now when I had a positive {$910.00} in my account when my XXXX deposit hit the new account and after I transferred the {$910.00} too my account ending in XXXX. I had transferred from account ending in XXXX too the account ending in XXXX. This isnt fare too a social security recipient. I only make {$910.00} a month, so my account never went negative, until they mixed up all my transactions. Pls help and look at all my evidence I took before and after the transaction dates of the only weeks and days I had use of that account. Pls, I Also tried too talk too three different supervisor and or managers tonight, and I had no, and I mean no resolution. I tried too fix it with them, but they dont listen too customers, and they transfer and transfer u too another person, or they tell u too contact the dispute department. Omgosh! It was literally jumping in circles trying too fix my account and they citi workers never and I mean never helped and its allllllll on their end, by citi bank, thankfully recording our conversations for the three times Ive tried too contact them directly, and too fix my account correctly. Period! I have proof, pls look. Period.
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| 08/17/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, I received a notice from the XXXX XXXX XXXX XXXX XXXX for a notice for proceedings with XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX to settle out of court. The agreement was to make seven monthly automatic withdrawal payments of {$110.00} payments with a final payment of {$130.00} to settle out of court. Paperwork for a Stipulation was sent to me to fill out and fax back to them. I filled it out and faxed it back to them on XX/XX/XXXX. The payments went through each month without missing any and the final payment was made XX/XX/XXXX. I had not received any further documentation from either the XXXX XXXX or XXXX XXXX XXXX XXXX XXXX afterwords. Then on XX/XX/XXXX I received two letters from XXXX XXXX in care of XXXX XXXX XXXX XXXX XXXX for intent to garnish {$570.00} for XXXX XXXX XXXX XXXX XXXX. So I contacted XXXX XXXX XXXX XXXX XXXX immediately to find out what this was for. I was then told that it was an error and that if I provided them with a fax number to send a Termination of Garnishment to my payroll department, it would stop the garnishment. Also I was told that if I had not heard of resolution of the garnishment in 10 days, to contact them again as it needed immediate correction. I provided them with the fax number for my direct payroll representative and I was told theyd fax the paperwork to that representative. On XX/XX/XXXX I was able to preview my paycheck and saw that there was money unlawfully withheld for a garnishment. I emailed my payroll representative who started a HR claim and I was notified that they had not received the notice from XXXX XXXX XXXX XXXX XXXX and that my claim has been given to a payroll tax supervisor who provided me with her fax number. I attempted to contact XXXX XXXX XXXX XXXX XXXX but was unable to reach them by phone until XX/XX/XXXX. When I spoke with one of the representatives, she stated that the payroll department should have received the notice already and that they were showing the account with them settled. I told her that the payroll department had not received it and that the supervisor asked for the notice to be sent to her and I also provided that new fax number. The representative I was speaking with at XXXX XXXX XXXX XXXX XXXX said that she had to submit a request to her supervisor for resubmission if the notice to my payroll supervisor. The representative then told me that in order for me to get my money returned to me, I would have to contact the Sheriffs department and that they would return the garnished wages to me. I asked her to send me documentation of the Satisfaction of Settlement so I had proof to provide for release of my money. She said she could mail me something like that. She also told me to contact the XXXX XXXX and that they could see and provide me with documentation that the judgement was settled. I ended the phone call and then sent an email to my payroll supervisor to let her know that they would be sending the notice to her and to please let me know when she receives it. I received an automated message from my employers email stating that that claim was closed and to call to open a new claim. So I called my payroll to department to reopen the claim. The lady with whom I spoke with in the payroll department let me know that the supervisor is good at communication and that once she receives the paperwork from the creditor, it can take 3-5 business days to process. I asked how I am to get my money returned to me. She told me that I would have to get that through the creditor as it has already been sent to them. I thanked her for her time and ended the call. I then called XXXX XXXX XXXX XXXX XXXX, who the writ of garnishment was through, as directed by the representative at XXXX XXXX XXXX XXXX XXXX. The lady at the XXXX XXXX XXXX XXXX XXXX was able to find my case number but stated that they had not received a satisfaction of settlement to the stipulation submitted in XXXX of XXXX. She also told me that they do not handle any moneys from judgments and that the sheriffs department doesnt handle any either. She let me know that that is all handled by the creditor and that is who will have to repay me the funds. I thanked her for her time. At this moment, XX/XX/XXXX, I am being given the run around by XXXX XXXX XXXX XXXX XXXX with no apparent desire from them to correct an error made on their part and they appear to have no intention of paying/returning moneys taken from me unlawfully.
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| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
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ACCOUNT VERIFIED RESPONSE I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #.
According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
ListAccounts DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
PS!
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' THE HOME DEPOT/CITIBANK Account name THE HOME DEPOT/CITIBANK Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXXXXXX Status Paid, Closed.
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$200.00} Highest balance {$2300.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days XXXX Closed Payment history guide 60 days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX Balance history XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$200.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$500.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$5000.00} Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX XXXX, XXXX XXXXXXXX AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
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| 05/12/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
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The reason I am writing is concerns with the deceptive debt protection process I was enrolled in. A practice that appears to have effected many of people in regards to Citibank lawsuits. It is my understanding that in XXXX , Citibank was ordered to refund customers {$700.00} XXXX due to fraudulent activity including the practice of adding on debt protection without customer acknowledgment. On XXXX XXXX I enrolled for a Best Buy Credit Card in store to purchase a TV with 6 months no interest. I made payments for years but never looked at the breakdown in the monthly statements. This is especially easy to overlook given that the Best Buy online payment screen displays only the amount you owe. Its an easy option to pay your bill but it does n't provide much of a breakdown. I still paid every month without concern- if you pay your bill there should be no issue. However, I noticed the balance wasnt lowering. I figured it was due to high interest. Again, I had been making payments every month since XXXX and continue to this day ( XXXX XXXX ). Surely after 10 years of paying a {$1500.00} balance should have been paid off if not at least lowered significantly. The balance never lowered. In fact, it has gotten higher. Something didnt smell right. I finally broke down my bill statements when I noticed I was paying something called " debt protection. '' I requested every statement from Best Buy. This debt protection service would amount between $ XXXX {$17.00} dollars a month. I had apparently been paying this fee since I signed up for a Best Buy card in XXXX . I had no idea what debt protection was or why it was on my statements. In XXXX XXXX , I called Citibank ( although it was XXXX when I signed up for the card ) and told them my concern. They submitted a claim to refund the money I paid into the debt protection program which amounted to about {$1200.00}. They also canceled the service. A couple weeks later I received a letter from Best Buy stating " Because your account was protected by the program benefits through the end of the billing cycle in the month in which you canceled, any previous billed fees are valid and non-refundable. '' Citibank has also submitted the application copy on which I signed up for the debt protection. I was never shown or given a physical copy of this document. I even have the original receipt from XXXX but no record of this debt protection. Best Buy was not fully transparent or clear in what they were selling. This is even more curious based on the year of signature- XXXX . These suspicious activities become more clear when you take a closer look into the numerous complaints and settlements XXXX has been involved with in regards to discreet add-ons. I have since called Citibank and Best Buy hoping to get clarification on the matter. They have not given a straight answer- rather sending me in circles, transferring calls to anybody available, or simply hanging up on me. Nobody can answer why the refund was rejected since my enrollment in the debt protection program was not blatant during the initial transaction. After doing more research into Citibank and XXXX , it appears I was not the only victim. There were numerous fraudulent activities occurring as Citibank and Best Buy were participating in unfair dishonest credit card practices- latching add-ons to your bill without making the consumer aware. I was one of those victims. When I signed up for the Best Buy Credit card, I was never informed by a Best Buy representative of the debt protection inclusion. They never acknowledged what it was, how to cancel it, or even what it offered. I was left in the dark until I discovered it in XXXX XXXX . Citibank has re-submitted another claim to the Processing Center in regards of a refund. Please take this letter into consideration on helping the situation. The concern is not whether I received benefits or not- I was not even aware I was in this program. The concern is about the transparency of the program enrollment. It appears the debt protection materials were purposely made unclear when I applied for the Best Buy credit card in order to enroll more customers into the plan. If this is the case what is the practice of signing people up for Best Buy debt protection and why was it discontinued in XXXX ? And why are there so many complaints on the transparency? Citi bank refuses to mention any of the settlements.
|
| 06/06/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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My issue is with my Macy 's credit card account which I've had since XXXX.
Before I provide you with the issue, let me just state that my credit has ALWAYS been impeccable, have never made late payments and credit score generally at or above XXXX.
I received a call XX/XX/XXXX from a collections agency wanting to collect on a {$360.00} balance on my Macy 's card. I had no idea what he was talking about because I had not used or charged anything on my Macy 's card for a long time. I was extremely upset by the call and tried to go online to find out what was going on but was unable to get information because my account had been frozen as well as my online account. After making more than 10 phone calls that day, I was told that a {$69.00} charge had been made on my card at the Macy 's located in the XXXXXXXX XXXX XXXX in XXXX which is close to my house. I told them that I had not made that purchase because I was out of town XX/XX/XXXX. Furthermore, while speaking to a XXXX XXXX at XXXX XXXX he asked me to verify my address and phone number after he asked if I had received anything in the mail from Macy 's. I told him that if I had, I would have immediately addressed it. When he asked what my address is, he responded that there was a different address and phone number under my account. He said that there was a XXXX XXXX showing but that's all he could give me. I told him that I've lived at my current address since XXXX ( own home ) and had lived at my previous address since XXXX ( owned home ) and have never lived anywhere that has a XXXX XXXX. Furthermore, the phone number he had on record was not mine. He then said that it was obvious that my account had been compromised and that he would have it addressed. He also suggested that I reach out to Macy 's internal recovery division which I did.
That same day, I made many calls because I was so upset over this. My calls are all documented : XX/XX/XXXX : - Received call from collections agency about past-due collection of $ - Spoke to XXXX at XXXX XXXX who transferred me to XXXX XXXX who took information and suggested I follow-u-p with Macy 's internal recovery.- XXXX Called Macy 's internal recovery ( XXXX ), spoke with XXXX. She said she would mail me statements to show what the transactions were. I told her that I would not receive any mail from them because they have the incorrect address and that they needed to resolve this. She said she couldn't do anything for me.
- Called Macy 's fraud department and spoke with XXXX, XXXX, XXXX ( who disconnected me ) and then XXXX. XXXX filed a claim with my dispute and said it would get handled.
- Received a letter from Macy 's Fraud Investigation Department dated XX/XX/XXXX letting me know they received my fraud claim and were investigating it.
XXXX, received letter from Macy 's Fraud Investigation Department stating they have completed their investigation and that I would be responsible for all charges.
- I immediately called Macy 's Fraud division and spoke to " XXXX '' who confirmed the claim had been submitted incorrectly and that she was going to resubmit it to another person because it was very obvious that fraud had been committed on my account.
XX/XX/XXXX - Received a call from collections agency wanting to collect on the {$360.00}. Told them that I was not paying it because it was fraud and that I'm trying to get Macy 's to correct the issue.
Over 2 1/2 months have gone by and absolutely NOTHING has been done to correct this HUGE issue!!!!! I've spent more than 6 hours
of my time trying to reach someone at Macy 's that could get this fixed. To-date, nobody is doing anything about this. When you call them, you're transferred around to various departments and people. NOBODY takes ownership of this and they are the ones that allowed fraud to occur against my account.
Someone went to Macy 's, charged against my account and changed my address and phone number. How does this happen without proper identification? Their lack of proper security protocols have ruined my credit which has ALWAYS been perfect.
I need someone to get this resolved and hold them accountable for their actions. When it's blatantly obvious that fraud was committed, they should immediately take all actions necessary to correct their mistake and get my account removed from the collections agency and my credit report.
Their incompetence and lack of caring has got to get fixed.
PLEASE help me get this resolved.
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| 11/24/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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This text is a complaint about the activity by Citibank Client Services ( CCS ) from XXXX XXXX, Texas. This Citibank unit is attempting to commit a fraud for {$2000.00}. The transaction of {$2000.00} was added to our account, despite an overwhelming evidence that it did not take place. Even though XXXX employees have full access to Citibank records and to bank regulations, they provided fake information and disregarded Citibank regulations explained in the Citibank XXXX XXXX.
On XX/XX/2020, Citibank has added an unauthorized and illegal transaction for {$2000.00} to our regular checking account. The transaction was not authorized by us and it is illegal because our account had only {$30.00} deposit without an overdraft protection. Furthermore, the transaction looks very suspicious, namely it is a cash withdrawal at ATM ( but without providing any ATM location ) and it is connected to the global transfer ( described by a date and 4-digits matching our previous transfer ). Despite an overwhelming evidence that this transaction could not and did not take place, the XXXX office ignores these facts and sent us fake and misleading data.
Let me explain in detail. The transaction was added in our bank record on XX/XX/2020. Our evidence, out of bank records, proves that the cash withdrawal at ATM was impossible for at least XXXX reasons. First, we ( my wife and I ) do not have active banking cards. Second, our regular checking account had on that day only {$30.00} ( bank security system should have blocked this transaction ). Third, the Citibank has a daily limit of {$1000.00} ( triggering automatic blockade ). How it is possible that suddenly all these protective mechanisms failed on XX/XX/2020? The conclusion is rather simple as this is a fake transaction and it never took place!
The final evidence was provided by the Citi XXXX XXXX office. The employee from this office, named XXXX, confirmed to us that there was never any international transfer made from our account on XX/XX/2020 ( see attached transcript ). To make sure we asked XXXX to check twice, and she confirmed that neither international nor other type of transfer occurred on XX/XX/2020. Since Citibank does not have any records of XXXX XXXX on that day, the transaction never took place, and no real money was involved.
We asked the XXXX office for the evidence of transfer on XX/XX/2020. Surprisingly, the employee sent us a response on XX/XX/2020 including a copy of our global transfer of {$2000.00} made by us two days earlier on XX/XX/2020. This transaction on XX/XX/2020 was made with money we transferred from another bank, and it was supported by three documents ( an email to confirm our identity, a request for transfer, and then a receipt of transfer ). The XXXX office simply ignores facts as explained by XXXX.
We also asked the XXXX about the cash withdrawal from ATM. The XXXX response dated XX/XX/2020 was as follow : Our records indicate that these withdrawals were made from your account with your Citibank Banking Card. In an explanation, the Citibank claims that Both your Citibank Card and Personal Identification Number were required to perform these withdrawals. Furthermore, the bank explains that The activity appears to be consistent with your normal banking activity. Again, the XXXX completely ignores the fact that our cards were never activated, and therefore they could never be used. How this is possible that crucial facts such as inactive cards, lack of transfer, lack of funds, inappropriate bank security are totally ignored by the XXXX office? Do they know that fabricating fake data is highly illegal?
We also politely indicated to XXXX office at the Citibank XXXX explained in the Citibank XXXX XXXX of the following rules : if you think that a transfer or withdrawal shown on your periodic statement is incorrect, or if you believe an unauthorized transfer or withdrawal has taken place, including those made by card code, or other means, contact us as soon as you can. By contacting us you will not be liable for unauthorized transfers or withdrawals. We informed the bank on XX/XX/2020 about this unauthorized/illegal transaction of XX/XX/2020. Our cards or any other information were not stolen. The most important fact is that we did not have active cards. The manual says that the bank is not allowed to overdraft an account over the deposited amount and we had only {$30.00}. We also did not have any overdraft protection.
|
| 02/23/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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1. On XX/XX/18, a Home Depot Salesperson, XXXX XXXX, signed us up for two home improvement projects ( new rain gutters and a new sliding-glass door/window ). He never provided us receipts for these services nor has Home Depot or their installers, so we have no way of comparing prices to what we see on our Home Depot credit card statement.
2. Also onXX/XX/18 Mr. XXXX called up Home Depot 's Consumer Credit telephone line and signed us up for a Home Depot credit card promising us a 2-year interest-free promotion. He initialed our Consumer Credit Application " XXXX XX/XX/18 '' and the telephone representative confirmed the 2-year interest-free promotion on these home improvement projects, repeating various times that our call was being recorded for " quality assurance. '' 3. It took many weary, frustrating months to get Home Depot to schedule the installations of these projects, but they were finally complete just before XXXX in mid-XX/XX/XXXX ( over 3 months after Mr. XXXX 's sales visit ). Again, we never received receipts or invoices for these repair projects, so we simply have to " trust '' that our bill is correct. However, the initial bills did NOT honor the promotional 2-years interest-free rate promised us by the salesperson Mr. XXXX, by the telephone consumer credit representative at the time we signed the agreements and application, and even by the Home Depot scheduler over the months it took to get the projects installed.
4. I wrote several complaints about the billing statements not honoring the 2-year interest-free promotional rate without resolution. It appeared a robot was responding to my complaints. I finally had to call the so-called " Consumer Care '' line during " business hours '' ( difficult for a full-time working mom/XXXX ) to resolve the issue, as my bill said it would start accruing interest as ofXX/XX/XXXX ( i.e., 6 months interest-free, not the 24 months that I was quoted at the time of sale and application as well as repeated in calls with the Home Depot scheduler ).
5. Today,XX/XX/XXXX, I sat down to pay my bill that is due in XX/XX/XXXX, and I see that I have acquired a surprise interest charge of {$2.00}. No, it's not a lot, but it is a sneaky fee that makes me again doubt the business practices of this company that has offered my 24-months interest free. I further noticed that this is the first billing statement that warns me of a " revolving balance '' that can accrue interest. However, this information is buried on page 3 near the end of the statement, i.e., buried beneath all of this information : Summary, Payment Information, Promotional Balances, Advertisements for gift cards, Billing Coupon, Information About Your Account, Key Credit Terms, Change of Address Form, Another Advertisement for Nest, etc.
6. I have never seen a more confusing billing statement, and I have several credit cards and am vigilant about my credit, my debt, and my bills. For example, I have an XXXX XXXX Citi Master Card, a XXXX XXXX American Express Card, and a XXXX XXXX XXXX Visa Card. None of these billing statements from other companies have deceived me. I am confident in accusing Home Depot 's consumer credit card with deceptive business practices. In addition to not honoring quoted promotions, the billing statement buries fees and is difficult to read. It frequently has mistakes and it does not explain what the date or nature of each purchase. Instead of clearly marking a date and citing the transaction with something like HVAC service or window installation, window materials, or window down payment, etc. ; the bill simply lists as follows : " Revolving Balance NO INT FOR 24MOS-PMT REQ NO INT FOR 24MOS-PMT REQ NO INT FOR 24MOS-PMT REQ NO INT FOR 24MOS-PMT REQ. '' 7. To make matters worse, Home Depot and their service providers have provided no receipts for these services, so I have no way of comparing my billing statement to my receipts or invoices. In other words, I am at the mercy of Home Depot 's supposed honor system here, when I have already discovered various mistakes and problems with my bill.
8. It blows my mind that this company has such deceptive and incompetent business practices, and I would NEVER recommend this card to anyone else. I am tempted to just pay it off in full before the 24-month promotion ends in order to not accrue any more headaches with this company, but I do have other home improvement projects that I need to spend my available funds on.
|
| 01/05/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX I open a City Priority Account with Citibank under a {$700.00} opening promotion. The promotion is that I will be able to receive a {$700.00} account credit if 1. Open new eligible checking and savings accounts in the Citibank Account Package during the offer period XX/XX/XXXX to XX/XX/XXXX.
2. Within 30 days of opening your account, deposit {$50000.00} in New-to-Citibank funds between the new checking and savings accounts.
3. Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days.
On XX/XX/XXXX, an initial deposit of {$50.00} was made.
On XX/XX/XXXX, {$45000.00} was deposited using ACH transfer.
On XX/XX/XXXX, {$63.00} was deposited using ACH transfer.
On XX/XX/XXXX, {$470.00} was deposited using a debit card.
On XX/XX/XXXX, {$2000.00} was deposited using XXXX.
On XX/XX/XXXX, {$1500.00} was deposited using XXXX.
In total, {$50000.00} was stored in my Citi Saving account by XX/XX/XXXX.
On XXXX, XX/XX/XXXX I asked through online chat : " Hi! I just wan na quickly confirm that i'm on my way to my Citi Priority opening bonus! Am I satisfying all the requirements for the bonus? '' A customer service agent replied at XXXX : " I am glad to confirm you met the requirements on XX/XX/XXXX. The Cash Bonus will be credited within 90 calendar days from the date you completed all offer requirements. '' On XXXX, XX/XX/XXXX I asked through online chat : " Hi! I would like to learn about my Citi Priority opening bonus. Am I now satisfying the bonus requirement, and when can I expect the bonus to be posted to my account? '' At XXXX a customer service agent replied : Thank you for patiently waiting. I would like to let you know that we had not forgotten what we have promised to you.
Based on my investigation, your account has been funded last XX/XX/XXXX. Under the Terms and Conditions of the Offer provided when you have signed up, the " New-to-Citibank '' funds/balance must be maintained for 60 days. That's until Calendar days : XX/XX/XXXX As per T & Cs : If Eligible Customer enrolls and fulfills the required activities, the Cash Bonus will be credited to the Eligible Account within ninety ( 90 ) calendar days from the date when all offer requirements are completed. That's Calendar days : XX/XX/XXXX XXXX + 90 days ).
This will mean that the credit will be placed in the account on or before Calendar days XX/XX/XXXX, So long as the requirements of the promotion has been fulfilled ; provided that you are not an owner of a Citibank checking account within the last 180 calendar days before you opened this account, you will still get the bonus.
At XXXX I replied : " Thank you. Does that mean i just need to wait until XX/XX/XXXX? '' to which the agent replied " Yes, the funds will be Bonus swill be deposited to your on account on or before XX/XX/XXXX. '' However, I have not received the bonus as of today. An agent submitted a secure message on my behalf on XX/XX/XXXX, but I received a document denying my eligibility on the promotional credits.
" Thank you for your inquiry on XX/XX/XXXX, regarding your Money Market account number ending in XXXX. We have completed our research and the results are as follows : The terms and conditions of Promotion XXXX are as follows : Open a new Checking account and Citi Savings account in Citi priority Account Package between XX/XX/XXXX and XX/XX/XXXX.
Within 30 days of the opening of the new eligible checking account, any owner of either eligible account must make a deposit of {$50000.00} or morein New-to-Citibank Funds into the new eligible checking account and/or the new eligible savings account.
The remaining balance requirement may be deposited into either the eligible Checking Account or eligible Citi Savings Account.
A minimum balance of {$50000.00} must be maintained for 60 consecutive calendar days following the date when the {$50000.00} deposit was made ( minimum balance ).
Unfortunately, your account does not qualify for this promotion because XXXX XXXX are not considered a qualifying deposit.
We understand that this is not the resolution you had anticipated ; however, Citibank needs to ensure that all of its customers meet the same terms and conditions to receive the promotion.
" This is contradictory to all of the information I received before then. Based on my communications with the customer service agent, I should be fully eligible to receive the credits.
|
| 11/12/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is a follow-up complaint to my previous complaint dated XX/XX/2019, as this complaint was submitted my by state 's DOJ, and I had additional details to include for my CFPB complaint.
The original complaint does not include a separate incident occurring on the day I opened the account in store : I was in store that day to make a return of a pair of shoes purchased from Macy 's online. While I was actually opening a new Macy 's credit account, I had my mother ( supposedly ) returning the shoes for me, only to have her find me and tell me that I didn't have the receipt for the shoes. She had already been to customer service ( sent by the employee at the XXXX XXXX counter ) and they said the same thing. I was puzzled as I had brought with me the only paper that was included in my package ... as I was still in the checkout line, I asked my cashier what else would I have that would be used to make a return, and she confirmed what I had was to be used for a return. So I went to shoes to make the return myself, since I KNEW this was the CORRECT receipt! This time the cashier just very coolly sent me towards customer service and told me that was all I had to do as he had had several customers with the same issue already : the barcode on shipping slip did not match the item. So, now XXXX, I go get in the longest line in customer service, and proceed to wait! After about 15 minutes or more, my previous cashier happens to walk by, and asks if she can see the shoes and return slip I have ... she attempts to make the return, several times, only to have the same issue of mismatched barcodes, so she can't return the item. This cashier calls for a manager : the manager who comes is actually the same person who previously spoke with my mother regarding this return. By this time my mother has already went into her email to find the email confirmation for the shoes ordered, and after me explaining what I don't know to be going on to the manager, we end up going into the offices with her ; she has to get on her computer, searching for items ... finally, my mother has the email confirmation of the 2 pairs of shoes I ordered -- NEITHER of which match the barcode for the shipping slip included in my package. After about 2 hours of our precious lives, we were able to return the shoes. And we were offered no type of courtesy credit or reward. When my mother did call, all they offered her was like 25 % off or some other meager offer for all this trouble ... NO ACCOUNT CREDIT and NO COUPONS!! I was informed by a friend, just last week, that they had this same trouble with returning an item purchased from Macy 's online -- they purchased several items, with the same payment method, at once, and when returning, for some reason 1 item had an issue : she had to try several times to return the item because it didn't match the return slip/receipt she had ; and employees tried to give her store credit instead of a refund. BEWARE!!!
Additionally, prior to my last complaint being submitted to the CFPB, I had filed a dispute with DSNB regarding my account, and they responded ( dated XX/XX/XXXX ) basically telling me they completed an investigation and there were no issues with my account and I was responsible for the balance. Fast forward to ( XX/XX/XXXX ) and I receive a response to the CFPB complaint from Macy 's Executive office telling me the same, but also admitting to making a whole charge on my card in error, one that myself, and apparently the dispute department didn't catch, as these 2 letters are in opposition to each other, the latter even giving me a credit to my account. So, now I need answers ... the " error charge '' on my card should not have accrued interest ... I need Macy 's to confirm and explain this, as this charge was since XX/XX/2019.
Also, the correspondence that I received from Macy 's executive office included a page with an account number NOT belonging to me ... I called to confirm this -- -it 's not my account number or card number. I don't know who it belongs to or how it came to me : I'm also not sure if the numbered pages that follow were meant for me regarding my complaint, or for someone else. And while this particular page did not contain any important information, Macy 's customers, and myself can never be confident that mix-ups like this don't happen often, nor can there be confidence that our personal information is not shared with random individuals in this way. BEWARE
|
| 02/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
Dear Sir/ Maam XXXX I made one single purchase from merchant Wayfare on XX/XX/XXXX vide invoice # XXXX for XXXX using my Citi Credit Card number XXXX XXXX XXXX XXXX ( later this card was closed for reasons given below ) Merchant Wayfair posted two identical purchases on this card on XX/XX/XXXX, one of which was duplicate billing and thus I disputed this charge vide case # XXXX This dispute was settled in my favor on XX/XX/XXXX ( see copy letter dated XX/XX/XXXX attached ) I immediately requested for change of card and I was issued a new card # XXXX XXXX XXXX XXXX This invoice was paid by me to Citi Cards, on XX/XX/XXXX for XXXX and on XX/XX/XXXX for XXXX totaling XXXX There was no other purchases made by me from Wayfair.
Even after Citi settled this dispute, Merchant Wayfair submitted another purchase of XXXX on XX/XX/XXXX, referring same invoice number that of invoice which was already paid by me. This was an act of fraud.
I again disputed this charge vide case # XXXX and this time Citi Cards gave a decision against me and made me responsible to pay XXXX without providing me copy of Merchant Wayfair response and documents supporting their claim and assigning reason in detail with supporting documents.
Copy of letter from Citi Cards dated XX/XX/XXXX attached referencing above decision.
Now Citicard XXXX XX/XX/XXXX statement has billed me for additional XXXX} to pay by XX/XX/XXXX Copy XXXX Statement from Citi Cards attached Merchant Wayfair been attempting to wrongly submit additional purchases against the same invoice time and again, two attempts were made on XX/XX/XXXX which were declined as my card was locked and I had brought this to the notice of Citi Cards.
Unfortunately it appears that Citi cards has not bothered to ask Merchant Wayfair as to how much is due from me in total and what purchases were made and invoice number and the dates these purchases were made? Nor have they asked for the copies of documents supporting the claim. This would have made the issue transparent and facts could be ascertained correctly.
Merchant Wayfair has been quoting the same one invoice # XXXX for {$2000.00}, for the same amount, time and again. There was no second purchase made by me except once on XX/XX/XXXX, the same was paid by me through Citicards nor it was a recurring payment.
Now on Friday, XX/XX/XXXX, when we approached Merchant Wayfare over the phone and went over the whole thing, they accepted that they got paid twice ( $ XXXX $ XXXX XXXX ) once on XX/XX/XXXX and again on XX/XX/XXXX where they should have been paid one time only XXXX I called Citi cards immediately and wanted to conference the call between three of us ( Merchant Wayfair, Citi cards billing dispute and self ). Citi Card representative declined to join the call and assured she would apprise the concerned department through email and thereafter nothing happened. It seems Citi Cards is determined not to look into this case afresh and verify the facts with supporting documents.
Merchant Wayfair has assured that they would reach Citicard and will issue a credit through Citi Cards department but have taken no action on the promise and are sitting tight with one extra payment taking no action to refund/ reverse this extra payment Wayfair received.
I requested Citi Cards billing dispute department to put on hold the amount of {XXXX} that they have demanded through XXXX statement as the same is unjustified and wrong in view of above and reconcile the accounts but that request is not considered.
I again requested Citi Cards this week through email giving all the above facts to look into this matter afresh and take a just and fair decision and confirm me receipt of my email. Citi card totally ignored my request thus leaving me no choice but to approach Consumer Financial Protection Bureau I made clear to Citi Cards that If this matter is not settled in my favor, to provide the following documents to me to help seek legal remedy.
1. Copies of all purchases made by me from Wayfair along with invoices 2. Copy of response from Wayfair based on which the decision is being made against me to pay {XXXX Citi Cards have not responded to my request till date.
I request your honor to kindly intervene in this matter and get me justice by investigating the matter and not to make me pay for something that is not correct.
Thanking you in anticipation of your help and cooperation in getting me justice
|
| 03/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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|
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Web |
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On XXXX XXXX I was sent a text message to my phone from CITI bank ( XXXX ) XXXX. The text said your account has been locked due to unusual activity, please confirm at XXXX XXXX XXXXXXXX, I clicked on the link and then checked my account and it was not locked so I assumed it was a mistake. Four days later On XX/XX/XXXX on my way home my cell phone shut off, I thought I lost service. I then got in the house and restarted my phone but still nothing. My mother, who is connected to my cell phone plan, received a text message on her phone saying that Sim has been deactivated, was this you? '' she was unable to reach me as my phone was no longer working.
I connected to the wifi in my home and called her on XXXX to see if she paid the phone bill and if her phone was also experiencing issues. While we were on the phone I received a notification email at XXXX XXXX You've updated your ATM/Debit Card PIN I knew that this was not me and could not call citibank to tell them because my cell phone was deactivated and not working. At XXXX I received another email The payee ( s ) on your account was updated I began to panic as I know that this was not me!
I ran to borrow my roommate 's cell phone to call the bank. As I was calling the bank another email came through at XXXX You're now set up for Wire Transfer Services. I realized that someone was in my account and hacking it. At XXXX another email Fraud Alert, review the recent activity below. Hi, XXXX. Let us know immediately if you, or anyone you authorized, used your Citibank account ending in XXXX for the activity noted below. You may not be able to make transactions on your account until we hear back from you. I immediately clicked the link saying that it was not me and then I received a notification stating that no other transactions will be made. At this time it was too late my entire sayings {$12000.00} was wire transferred from my savings account # XXXX to a stranger listed as XXXX.
XXXX XXXX another the hold on your account was removed and my transfer was completed. I was extremely confused because I hit no, I said that it was not me but that did not make a difference because they already took my money. I logged back into my account through the citibank app to see if this was true and it was. I began to take screenshots of my account, the transactions in which they transferred money from XXXX savings account to another and then the wire transfer person.
I followed every instruction that was given to me by Citibank Fraud Department, I went to the police station on XX/XX/XXXX to file a police report, get a new phone number ; set up a new account with citibank. I drove XXXX hours on XXXX XXXX to get to a Citibank and fill out an Affidavit, walked to a notary office, brought back the letter then had it faxed by the bank.
As of XX/XX/XXXX I have not received a letter from the Citibank Institution indicating that my funds are being investigated, nor did I receive a letter stating that the case was closed. On XX/XX/XXXX I called XXXX to get an update on my case and was told that it was closed. I was credited half of the money in XXXX and nothing else. My complaint is that this bank negligently did not obey the law to provide me my money that is insured with them. that in 7 days I will receive a new case number in the mail. It has been 10 days and I have not received anything. At this point it was the last straw for me, every time since XX/XX/XXXX when I have called Citibank to get an update on my account I kept being told that they could not verify who I was and could not help me. I had to hang up and call back multiple times to speak with someone. Being that they could not send me a text message for me to verify a code they would not let me access my account. If I did not call, who would have told me that my case was closed. One person decided that the money that I WORKED for and saved up was not worth it to be saved after they stated on their website and in the emails when I was being alerted by fraud that Citi is at your side for all your financial needs.
The gross misconduct and care from this institution has left me mentally and emotionally exhausted. Everything that I have worked for was taken from me and they did not seem to care. One person without knowing me decided that i did not deserve the right to receive the money that I saved up for. This money was a downpayment for my wedding, my rent, car note, and overall daily life.
|
| 06/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/XXXX I bought XXXX airline tickets from XXXX XXXX with my Citi American Express ending in XXXX. Due to problems with the emission of the tickets I disputed the charges through Citi XXXX. These were credited to my account as a security issue until the problem was solved with XXXX XXXX.
On XX/XX/XXXX the dispute was resolved and as of that day Citi Amex issued a specific code for each ticket so XXXX XXXX could reissue tickets and the charges were rebilled to my credit card account. ( Attachments 1 and 2 ) On the return flight in XXXX XXXX XXXX left XXXX passengers without reservation, ticket or anything in XXXX XXXX. A XXXX XXXX. At this time began the new episode of claim in this case with XXXX XXXX.
This was long because unless I was able to see the credit on my Citi XXXX statement I really didnt know what was going on because the access to the info was very hard. The details of this episode you will find in ( Attachment XXXX ).
In the Citi Amex Statement of XX/XX/XXXX I received the credit for {$1100.00} for XXXX of the airline tickets from XXXX XXXX and as you can see in ( Attachments 4A and 4B ) the statement appeared under card number XXXX although American refund specifies card ending in XXXX. This is the norm when there is a change in the card number. Satisfied I waited to see the credit of the other XXXX tickets in question, for the same amount each XXXX in the future Citi Amex statements. This never happened.
After being ping ponged back and forth finally at the beginning of XXXX I was able to get some written proof about the XXXX, each {$1100.00} credits to the Citi Amex card XXXX. XXXX Attachments XXXX and XXXX ) are written proof that XXXX XXXX reimbursed the said amounts to Citi Amex XXXX. They can only reimburse to the same card that was used to buy the ticket.
Since Citi XXXX insisted that I had to clear all this with XXXX XXXX I sent faxes and inquiries though their electronic system and received the info in ( attachment 7 ). As you can see XXXX neither received the funds back from Citi Amex nor was contacted stating that there was a problem processing the funds.
I continued to work with the credit company and sent large envelopes of information concerning the claim.
On XX/XX/XXXX after finding a charitable and comprehensive soul at Citi Amex dispute center, I followed his instructions, told the story again and sent all the attachments proof of the funds I should have received. ( Attachment 8 ) In the midst of this come and go by phone Citi Amex made up a dispute that I never opened for {$450.00}, with XXXX XXXX. ( Attachment 9 ) is more than explanatory of the confusion and lack of information that Citi Amex has of what is going on. Again I sent a full dossier with proof of my real claim.
Sequence of Information sent to the parties concerned in this dispute : XXXX Attachment 10 ) .On XX/XX/XXXX I started sending all the information I had at the time to XXXX XXXX and Citi Amex at the same time. This way both parties would be informed of the situation. XXXX XXXX definitely investigated the issues. Eventually they replied slowly but surely. The problem was the written proof that I needed for Citi Amex. XXXX Attachments 5 and 6 ) After receiving the final answer from XXXX XXXX in writing ( Attachment 7 ) and by direct telephone call I kept trying to get the card company to verify the refunds. ( Attachment 11 ) proof of 12 page fax to XXXX XXXX at XXXX XXXX XXXX XXXX, and ( attachment 12 ) large envelope with the same content.
The dossier was sent again on XX/XX/XXXX to XXXX XXXX. ( Attachment 13 ).
Since I still received no answer I sent an email to XXXX XXXX on XX/XX/XXXX and forwarded again on XX/XX/XXXX with proofs attached of all the information I had sent by all the different means of communication. XXXX Attachment email ) Until this day I have not received any kind of response to any of my communications. I have called them insistently and day before yesterday was able to access a manager that said she would look into this.
I have decided to send this case to you because I think the least they can do is look for my money or talk to XXXX XXXX and clear the situation.
The attitude of the card company is lacking of ethics and is very negligent. I am sure be it otherwise I would still be paying interest on that money or I would have had my credit ruined with all institutions.
It gets to a point where you feel disarmed, defenseless and impotent.
|
| 03/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On Sunday XXXX around noon eastern, I attempted to use my Citi debit card at a Citi ATM in a Citi branch. I received an message on my screen that there was an error with my card. I attempted to use the card at another ATM in the same location to confirm the problem was with the card and received the same error message.
I then called Citi and the agent told me that the problem was that the expiration date on my card did not match the expiration date on file in my account. We were then disconnected. I called back Citi again and reexplained the issue as well as what the previous agent had shared. The new agent confirmed that this was indeed the issue why my card was not working.
I told the agent 1 ) I had not received a new card 2 ) I had not activated a new card and 3 ) I had received no notification from Citi that a new card had even been sent. Typically, when a new card is sent, I am still able to use the old card until I activate the new one unless the card expired and the expiration date on the card in my hand was more than 4 years away.
The agent said the only possible solution was to send me a new card which would be overnighted to me. I then asked how could I access the cash in my account today because I needed the money. The agent told me I could transfer the money to another account. I asked which other account, because my savings account is linked and I would use the same debit card. It transpired that the suggestion meant that I should transfer my money to another institution ( which I do not have as a loyal Citi customer for nearly 20 years ). It is outrageous that a bank would effectively hold my money hostage unless I worked with another bank. Moreover, the error in the mismatched dates was the fault of Citi - I had never activated a new card and the agent was able to see that I had not done so. I also struggle to understand how, in the computer age, reverting to the old card was not possible.
I was then transferred to the credit card department, because I intended to withdraw cash using my linked Citi credit card. My pin did not work with the credit card and so I was then transferred to yet another department. This department told me it would take 4-7 business days to get me a new pin - an entirely ineffective solution to the problem of accessing my money.
I was transferred back to the debit department where I learned that the first agent had never put in the request to have a new card overnighted to me. I said that I needed the new card and *also* that I needed cash that same day so this issue isn't resolved.
When speaking with the supervisor, the call connection was extremely bad and hard to hear. I asked repeatedly to file a complaint that it was unacceptable that Citi had not been able to resolve the issue and was told that was not possible to do so. I also asked what Citi could do to make up for the fact that I was stranded without access to my funds through no fault of my own and the fact that I had spend two hours of my time on the phone without a resolution and needed to cancel my plans that required the funds. The entire time the tone of the conversation was extremely condescending. At this point, I had been on the phone 2 hours without a resolution. The agent finally put the complaint through some internal system. Based on the number of times the case number had to be corrected as I wrote it down, I'm not even confident it was even a real case number. The agent told me I could expect to hear from someone on Monday in response to the complaint which did not happen.
Today, Tuesday XX/XX/XXXX at XXXX XXXX XXXX I again called Citi because I had not received the new card I was told would be overnighted. The agent I spoke with today did not seem to have access to any record of the case on Sunday so I had to explain all over again what the issue was ( there needs to be a better documentation system that agents can access ). I learned that not only had the request for a new card not been process by the first agent, it was AGAIN not processed when I was transferred back to the debit department the second time on Sunday. The agent I spoke with today was able to process that and said it would reach me by Thursday XXXX. By this time she seemed to have located some notes and I asked that she add to the complaint the fact that the promised solution on Sunday was never even filed. Who knows how long I would have been without access if I had not followed up.
|
| 04/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Citi Bank is the absolute worst company to deal with. We have been dealing with this issue with them for XXXX and a half year with no resolution. We finally gave up trying to resolve this because they have refused to communicate with us other than e-mail. We made a purchase XXXX and a half years ago for my father who had medical issues. At this time he was unable to put anything on his credit card due to a bankruptcy with him and his wife. He needed a medical shower installed ASAP in our home which he moved into. Once complete he opened a XXXX card and we did a balance transfer. Everything went through with no issues. Unfortunately, and unexpectedly he passed away before the first bill was paid through XXXX. Once I sent them all of the paperwork on his passing they said, we will take care of it. Well three months later we see on our Citi card a fraud charge of {$6200.00}. We called them and said, there was a fraud charge to XXXX. We told them do not pay them we will handle it through XXXX. Well with no investigation they just sent back the money to XXXX. We did a dispute and they ended up sending another {$6200.00} to XXXX. Now my account was negative {$12000.00}. It took us almost 6 months for them to fix that mistake. Finally after getting that taken care of we finally got back to the main issue of them sending that money to XXXX. After XXXX hours on the phone with multiple departments we kept getting the same answer. Your account is taken care of it will be at XXXX on your next statement. That never happened. We would then get on the phone again with an average of XXXX hours each call talking to every department. We had XXXX supervisors tell us your account will be XXXX the following month. It never was. After filing complaint to everyone who would listen the XXXX office wrote an e-mail with our bill saying, we are sorry but the information you were told was not correct. I said, so all XXXX of the supervisors didn't know what they were talking about? No response. I said, them you contact me and tell me why. They would only respond in e-mail. I refused to call anymore due to the fact that it was a XXXX hour ordeal and I would only get supervisors who according to them didn't know what they were talking about. Then a year ago we get a call from XXXX saying my dad has a credit of {$6200.00}, what did we want to do with it? They said do you want us to send you a check? I said let me contact Citi. I called Citi and let them know that I have a positive of {$6200.00} with XXXX and negative with Citi for {$6200.00}. They said, once we get that money your account will be at XXXX. We have heard that before. Well after 4 months of XXXX trying to transfer it over, it finally happened. XXXX contacted me and said the transfer went through so we are closing this case out. We are dealing with Citi here so you know the story doesn't end there. I called the number on the card and it said my account is closed. The online site would no longer let me know. I was excited this was finally over. Well, remember this is Citi. I found out only because of my credit score dropping that Citi didn't close it out. Once again they had excuses. They were saying that it was their money to begin with. I said, you didn't even know XXXX had it. I should have had XXXX send me the check, but I thought Citi would have done the right thing. Well, it is Citi. Now I call them to try again to see the issue. The customer service rep said we have a no communication with you. I have never heard of that before but that is what they did. We no longer want to discuss this with you either pay if or we will destroy your credit, which they have been doing now for XXXX years. They finally sent me to collections after 2 years. Finally someone who will listen to me since obviously Citi will not. Well that was not the case. All they wanted was their money. I had to file an appeal to take this to court. I asked Citi 3 times to hold off dinging my credit report each month until they take me to court so we can finally settle this after two and a half years. I have those e-mails where they said we will get back to you. They never did and my credit score gets hit every month. I went from perfect credit to 4 credit card companies dropping me due to Citi. They either need to drop this, or take me to court. How long are they going to drag this out? No wonder why they have an F rating on the XXXX and 100 '' s of complaints on their service.
|
| 01/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Case # XXXX On XX/XX/XXXX, I, XXXX XXXX ( customer ) hired and contracted XXXX XXXX XXXX to fumigate with a tent my property located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX.
The agreed cost of this service was a one-time fee of {$1200.00}, as per attached contract.
I gave the sales person my Citibank MasterCard ending in XXXX to process the {$1200.00} agreed charge.
The tent with fumigation was installed on XX/XX/XXXX and removed on XX/XX/XXXX.
On XX/XX/XXXX XXXX charged my Citibank MasterCard ending in XXXX the amount of {$1200.00} ( see copy of credit card statement ). ( charge # 1 ) On XX/XX/XXXX XXXX the merchant charged my Citibank card another {$1200.00}. ( charge # 2 ) Unauthorized On XX/XX/XXXX XXXX the merchant charged again for the third time my Citibank card {$1200.00}. ( charge # 3 ) UNAUTHORIZED I disputed two of the three charges.
As per my contract I only agreed to a ONE TIME charge of {$1200.00}.
Which I have already been charged for by XXXX to my Citibank MasterCard # XXXX on XX/XX/XXXX.
That charge appears on my statement billing period XXXX along with the 2 other illegal charges that I disputed.
This charge for {$1200.00} dated XXXX was paid IN FULL to Citibank on XX/XX/XXXX electronically confirmation number XXXX.
One of the disputes has already been resolved.
This explanation and the proof of my credit card statement as well as your records should have taken care of the second dispute.
As per the contract I signed the number of charges should have only been one {$1200.00} charge to my MasterCard # XXXX on XX/XX/XXXX.
It is my understanding that Citibank disputes are handled individually and by different investigators but in this particular case the situation would have probably been resolved sooner had it been handled by the same investigator.
In closing and as a recap, my card was charged three times {$1200.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I only opened two disputes with Citibank MasterCard for the charge on XX/XX/XXXX and XX/XX/XXXX see the attached statement and your records.
I have no way of knowing whether or not Citibank disbursed the funds for the original charge of {$1200.00} on XX/XX/XXXX to XXXX XXXX bank.
My only knowledge is that I was charged the {$1200.00} on XX/XX/XXXX, the only authorized charge and I have already paid it in full to Citibank on XX/XX/XXXX electronically confirmation # XXXX I have contacted Citibank numerous times regarding this matter.
On a couple of occasions, I was told by different supervisor at Citibank disputes that the reasons this dispute keeps getting closed and not resolved in my favor is because I have used the wrong terminology. I have never worked for Citibank or MasterCard and I am unaware of the appropriate terminology.
On XX/XX/XXXX spoke to a supervisor at the Citibank dispute who apologized to me saying the reason the matter was not resolved was because the dispute was entered incorrectly and needed to entered as a duplicate charge that he would correct the file.
On XX/XX/XXXX I called to follow up and was told by different supervisor named XXXX that I needed to provide a letter stating duplicate charge.
I wrote Citibank to that effect and provided a letter stating duplicate charge.
On XX/XX/XXXX seeing once again the matter was unresolved, I called again Citibank disputes was told that the matter was no longer been investigated.
I asked to speak to a supervisor. XXXX the supervisor proceeded to tell me that the reason why the matter was not resolved in my favor was because the charge could not be categorized as a duplicate charge. ( i guess the last supervisor was wrong ) He apologized and told me it is to be categorized as an unauthorized charge.
Once again, as per request from supervisor XXXX, I sent a letter to that effect Unauthorized charge.. See all attachment ) This matter has been going on since XX/XX/XXXX.
I feel victimized by Citibank and their process. All I know is I agree to a service from a merchant named XXXX for a {$1200.00} termite tenting and as of right now I am been charged {$2400.00}.
Please help me resolve this situation as I has been a struggle dealing with Citibank and the clock is ticking ...
I remain available to answer any questions and can be reached at XXXX or at XXXX.
Thank you in advance for the prompt handling of this matter.
should you have any trouble opening any of the attachments please contact me asap.
XXXX XXXX
|
| 11/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Since I started my first job at my XXXX as a XXXX XXXX, Ive wanted to open an account for my salary deposits. I chose to open a Citibank account online because there are no Citibank branch locations in my state. They also had an offer on their website to receive {$300.00} when customers opened the Citibank package ( checking and saving account ) along with a XXXX transfer to the new account.
I opened my account at the end of XX/XX/2021 and asked my husband to transfer XXXX from his XXXX account to meet the above criteria. However, my new account was blocked due to fraudulent activity. I spoke to customer service explaining the offer on the website and they re-opened my account. Later, I started receiving my salary into the account. 1.5 months into the account, I receive a deduction of XXXX $ from Citibank. On contacting customer service once again, they stated that the account should have a minimum balance of XXXX to avoid the XXXX $ fees. Again, I had my husband do 2 XXXX transfers of {$1500.00} each ( total XXXX ) to meet the XXXX requirement along with my salary ( direct and mobile deposits ) in the account. Eventually, the account reached a balance of {$12000.00} with steady bi-weekly direct deposits from my institution.
On the first week of XX/XX/2021, I was not able to log in to my account from my mobile app. On contacting customer service once again, they stated my account was blocked and is now up for closure. I had to call several times and speak to 7-10 different customer representatives who later informed me that the account is being closed due to recurring direct deposits from an institution. On explaining that the recurrent deposit was from the hospital that I am currently working for, the customer representative stated that there was nothing they could do at this time and to wait for 30-60 days after account closure to receive a {$12000.00} balance check by mail.
Ever since Ive been calling Citibank for the past 30-60 days with no definitive answer as to where my funds are. Also, Ive not received any email or physical mail stating that my account is closed and the reason for the closure. When I call, Ive received responses like We have no reason for the closure of your account but youre not eligible for any refunds, Wait for 30-60 days and you will receive a check, The check is already issued and we are not sure why it has not been sent to your mail, We can not do any refunds at this time, The check is not yet issued but were not sure why your account has no balance anymore and so on. When asked for an email address, Citibank employees do not provide any stating that, we have no email that customers can contact us at. Ive also tried to call the nearest Citibank branch and they stated, Since this account is already closed, there is nothing much we can do. I recommend you contact our customer service representative. Every time I ask for any proof including but not limited to Case ID, email address, Supervisor, Backoffice number and so on, Im told that they can not provide that information due to company policy.
At this time, Ive no written letter from Citibank stating the reason for my account closure or for not providing my balance amount. Ive spoken to almost 30-40 customer representatives and havent received a satisfactory response.
As mentioned before, I am a XXXX, working long hours in this COVID-19 pandemic to save lives. My job has already been very stressful and Citibank closed my account overnight without providing a reason or refunds, with no money to pay my rent or buy groceries. I request you to please look into this matter and help me get my money back from Citibank. This is my first job after XXXX XXXX and my first bank account ever. {$12000.00} is my hard-earned money and I can not let it go. I need to pay my bills and my entire account is closed with a {$0.00} balance and no one from Citibank telling me what happened to my money.
Attached are the following proofs regarding {$12000.00} belonging to me and that Citibank has no right to make decisions on my behalf All Bank Account statements to date since the account was closed.
Screenshots of XXXX XXXX transfer from my husbands XXXX account Letter from my employer to verify I work there and direct deposits of my salary into the account.
Copy of my Drivers License for identification Copy of my Void check Please let me know if you have any questions or require any additional information
|
| 02/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Citibank deceptively and fraudulently sent me multiple offers for the same promotion to open up a new checking account. I previously had zero checking accounts but have 2 credit card accounts ( Citi Prestige and Citi Premier ). Over the last 6 months I have spent about {$200000.00} on those accounts. The offer was the following : 1 ) Open up a new Citi checking account 2 ) Make debit card purchase ( s ) of at least {$750.00} in the first 60 days 3 ) Use online bill pay to the same merchant at least two consecutive months in the first 60 days I used the Citibank email ( that I attached a screen shot of ) that had a " GET STARTED '' link to then open up the page to open the Citibank Priority account that had the promotion connected to that link. I completed all the information requested and my account was opened on XX/XX/XXXX ( email attached showing confirmation opening the account ). I then proceeded to fulfill all the requirements to satisfy the promotion. Here are the dates and amounts of the transactions ( Account snapshot ) attached : 1 ) XX/XX/XXXX : Funded account with {$2000.00} 2 ) XX/XX/XXXX : XXXX XXXX online bill payment for {$35.00} 3 ) XX/XX/XXXX : XXXX bill payment for {$750.00} 4 ) XX/XX/XXXX : XXXX XXXX online bill payment for {$35.00} I even call Citi at the end of XXXX to confirm that my account was setup and confirm I had fulfilled all the requirements except needing one more online bill payment ( which I fulled on XX/XX/XXXX.
I then patiently waited for my XXXX bonus points to be transferred to my account which did not get transferred. I called Citi on XX/XX/XXXX and spoke with a supervisor named XXXX ( her team # is XXXX ). She said she would escalate the review.
On XX/XX/XXXX, I received an email from Citi ( attached ) stating " You've earned your Thank You Points! You've successfully completed the required activities for your special Citi Offer. We'll credit your ThankYou Points to your account within 30 days ''.
After receiving this email, I believed that everything was fine and would be credited the points to my account. However, I received a follow up letter today XX/XX/XXXX stating, " Unfortunately, there was not a ThankYou promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou promotions at times, those offers are only available to the individual to whom the offer was addressed ''.
After receiving this letter today, I called back and requested to speak to a supervisor and spoke with XXXX ( Team # XXXX ). She was completely unhelpful and would only read what was in the letter. I also filed a written complaint with Citibank today as well to further document what happened.
Here is a recap : 1 ) I used the Citibank promotional email and link to open the checking account.
2 ) I satisfied all the requirements to receive the promotional reward 3 ) I received confirmation from Citibank in XXXX that there was only one last step needed to complete the reward.
4 ) I received confirmation from Citibank that I had satisfied all the requirements of the reward 5 ) Citibank today ( XX/XX/XXXX ) sent me a letter stating I do not qualify for the reward.
This is clearly deceptive and fraudulent business practices that remind me of the practices of XXXX XXXX in order to profit unscrupulously from their customers. This fraud should not be tolerated by the government and ask that the government to intervene to ensure that Citibank resolve this issue and prevent it from this further fraud.
Here is a recap of the documents submitted in conjunction with this complaint : 1 ) Citibank emailed me at XXXX and addressed to me personally dated XX/XX/XXXX at XXXX XXXX with the offer referenced in this complaint 2 ) Pictures of the mailed offer Citibank addressed and sent me for this same promotional offer 3 ) Screenshot of the account activity that I satisfied all three requirements of the promotion which again were : 1 ) open an account by XX/XX/XXXX, 2 ) Spend {$750.00} on my Citi debit card, and 3 ) make 1 qualifying bill payment for 2 consecutive months within the same 60 day window 4 ) Email from Citibank on XX/XX/XXXX confirming I had invite completed all the requirements of the Citibank Offer 5 ) Copy of the Citibank letter dated XX/XX/XXXX stating I was denied now the XXXX ThankYou Points because Citi claims I never received an offer for this promotion 6 ) Copy of formal complaint with Citibank about this issue
|
| 03/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Good morning.
The reason for this letter is to seek some help with three financial institutions with which I have been a client for years and so far I believe that they have treated my case unfairly.
In XXXX, I became a father of XXXX but unfortunately they were born in XXXX XXXX California at only XXXX XXXX XXXX, because they were XXXX XXXX we went through a lot of difficulties, even XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in XXXX XXXX for almost 6 months while my XXXX XXXX girls were recovering so I had to move to XXXX XXXX so I could be with them in the hospital every day and make sure everything would be okay with them. As you can imagine what it means to leave your home, to find a place to stay in XXXX XXXX, to eat, etc., unfortunately the job I had couldn't keep my position and I had to quit within a month of asking for permission to be with my girls. From that moment on, my financial difficulties began, between medical expenses, rent, food, and credit card payments which I was able to make by taking money from my savings. And that is where I want to explain in detail why I feel it is unfair what has happened to me with three financial institutions.
The first dispute I want to talk about is with Citi Bank, I have 2 cards with them and I have never been late on any payments, on the contrary, I was even paying off the debt in full. When I explained to them the situation I was going through and gave them all the information of why I was late in payments the only option they gave me was that I had to pay {$560.00} a month not to close the account, which I told them seemed like a lot of money at that time because I was coming back from XXXX XXXX and I explained my whole situation even sent letters from the hospital, but they didn't help me in any way. I made the greatest effort possible and paid {$560.00} for about three months, but I could not continue to pay that amount of money, I called again and asked to lower my monthly payment but there was no payment arrangement for more than I asked, I called several times and they did not give me any kind of help and closed the account which I am still paying, now {$220.00} per month because after they closed it was that they told me I could pay {$220.00}. This whole situation does not seem fair to me at all. I did everything possible to pay, I called to negotiate lower payments and they never helped me avoid closing my account.
The second company with which I have to explain my dispute is XXXX, I had with them an XXXX card, which I used very rarely and paid in full, but with them something very peculiar happened, as in my previous case I called to explain the situation that was happening, I made payments until I could from my savings to avoid late payments etc. I always made the payments through the application and never noticed anything out of place. After a few months, in XX/XX/XXXX, I realized that the account had been closed without any notice, even when I called repeatedly to explain the situation. The only way I realized that the account was closed was by logging into the desktop version since the application does not give any kind of notification or anything like that. I have called many times and asked to speak with a manager. They opened a case for me and still nobody wants to be responsible for the account being closed without any kind of notification, they did not even send me letters or statements informing me of the situation, not even a phone call. Three weeks ago I was able to talk to a manager and finally he was the only person who understood my case, he listened to me and he could see that in his system they had never sent me notifications that my account was closed, it was not until a few weeks ago that I received about 6 letters from XXXX informing me that the account was closed, do you think this is fair or valid for a client? That a person after having called countless times trying to solve this problem nobody listens to you or gives you an answer or takes your case seriously? I don't know what else I could do to get this account reopened because as I mentioned I was never notified that it was closed, I still make the payments on a monthly basis.
The third company is XXXX XXXX, maybe I had a card with this company for years which I never used alone to settle some accounts but unfortunately they closed it and as in the other cases I exposed my case and still did not have any help.
|
| 12/22/2023 |
Yes |
- Credit card
- Store credit card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
Servicemember |
|
Subject : Concerns Regarding My Macy 's and Citibank Account My name is XXXX XXXX. I am writing to express my deep concerns and frustrations regarding recent developments with my Macy 's and Citibank accounts. It has been over XXXX weeks since I first reached out about these issues, and I have yet to see any significant progress or resolution. So unfortunately I'm having to escalate this issue.
To provide context, I made a {$400.00} payment towards my account balance, expecting it to be promptly credited. However, this payment has not reflected in my account, adding unnecessary financial strain, particularly during this time of the year.
Furthermore, I encountered a sudden reduction in my credit limit, which stemmed from software errors during payment processing. As a survivor of trafficking, I have communicated the challenges I face to both Macy 's and Citibank, seeking understanding and support. Unfortunately, my efforts have not resulted in a timely resolution or the reinstatement of my previous credit limit.
The XXXX software malfunctioning was the reason behind my visit to a retail location to settle my bill, as the system could not recognize my new account, a measure I took to protect my finances following my trafficking experience.
I must emphasize that before escalating my concerns to the credit bureau, I reached out to Macy 's and Citibank. Congress has enacted laws to protect individuals like me from unjust adverse impacts on our credit reports. Nevertheless, the reduction in my available credit limit by Citibank has directly affected my credit score, adding further distress to my already challenging situation.
What is particularly disheartening is that I had proactively reached out to the credit department and explained my situation to a manager on XX/XX/XXXX. We collectively decided that, given the system errors, it would be best for me to make an in-store payment to avoid complications. I promptly paid the full balance of {$400.00}, expecting it to be credited accordingly. However, my credit limit was subsequently reduced to {$100.00}, leaving me puzzled about the whereabouts of the remaining {$300.00}. This drastic reduction has severely limited my ability to make necessary purchases, further exacerbating my distress.
I urge Citibank and Macy 's to acknowledge the consequences of their system failures, as they affect not only me but also other customers. Survivors should not endure further suffering due to system errors. I am earnestly seeking a resolution to this matter, as it has deeply affected my emotional well-being.
It is crucial to recognize that this situation extends beyond XXXX XXXX circumstances. XXXX XXXX XXXX XXXXXXXX trafficking may face similar challenges, and I fear that if this happens to me, it might affect others. This is unjust and requires immediate attention to rectify the systems and protocols that fail to consider the vulnerabilities of survivors in these situations.
As a loyal customer, I value my relationship with Macy 's and Citibank. However, I am left feeling as though this sentiment is not reciprocated. I wish to continue enjoying the benefits of our partnership without feeling penalized for seeking assistance.
Additionally, I want to emphasize that not only was the money I paid withheld from being in use on my account, but I also missed out on multiple deals and offers that were available at Macy 's. This situation led me to do most of my shopping through other retailers such as Amazon, which was a significant inconvenience.
I kindly request your prompt attention to this matter, with the hope that we can come to a resolution that prevents further victimization of survivors and ensures a smoother path to financial recovery. I am also working closely with trafficking survivor resource groups and XXXX state senators to address these issues comprehensively.
Moreover, I routinely use my card, and my account is very close to reaching platinum status. I should have had money credited to my account based on the payments I've made. Currently, my account displays only {$55.00} available for usage, which is not accurate. I kindly request that this discrepancy be rectified as soon as possible.
Thank you for your time and consideration. Opening up about such personal matters is not easy, and I hope this transparency helps you understand the urgency and importance of my request.
Sincerely, XXXX XXXX ( XXXX ) XXXX
|
| 09/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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My Citi card was fraudulently charged in XXXX by XXXX XXXX restaurant and I was sent a new card then. In mid-XXXX, my new card was fraudulently charged several items ( XXXX XXXX & XXXX ) and when I called I was told that my then new card would be stopped and I'd receive a new one within 10 days. 10 days later, I hadn't receive the new card and and when I went on my account online, I found another XXXX charge. When I called Citi, I was told that the account was never stopped the first time.
After receiving card number 3, I was again charged by XXXX twice ( XX/XX/XXXX & XX/XX/XXXX ). I called Citi to see what was going on, and was told they need to speak to the primary card holder for him to authorize stopping all recurring charges. They did speak to him and he did request stopping all recurring charges. I then received my fourth card within a couple of months.
On XX/XX/XXXX, I was again charged by XXXX. When I called Citi, I was transferred to the security department, where I was told that I have a digital account with XXXX and the agent assured my she will close it, so that I'm not charged by them again.
On XX/XX/XXXX, I was again charged by XXXX and Citi again where I was told again that they need to speak to the primary card holder to stop all recurring charges ( something we were told was already done two months ago ). While explaining to the agent that we already had that done ( Supposedly ), he suggested that I call XXXX and take care of this issue with them! I explained that I do not have a XXXX account, and never dealt with them at all. How would I just call and give them all my personal information? The agent replied that they already have my card number, so I wouldn't be giving them anything new! I did not call XXXX, but later that evening called Citi again, with my husband to get this done with. After a long call with Citi and my husband authorizing a stop on all recurring charges, I was told that my card would be on a temporary block, because a couple of vendors needed manager approval to be deleted from recurring charges. The next day, while at XXXX, a payment went through with my Citi card ( which is also a Costco card ). I was confused how my card was used for payment, even though I was told it would be blocked, so I called Citi again. I was told on this call " The agent didn't properly apply the block, but we will correctly apply it now ''. The next morning, while trying to use his card, my husband realizes that they stopped HIS card ( and at this point, we don't know if they had stopped mine ). I called Citi again on XX/XX/XXXX, where I spoke to a manager. She removed the block from my husband 's card and said she got the approval to remove all recurring charges on my card. She then said that she will overnight me my new ( FIFTH ) card. When I didn't receive my card the next evening, I called Citi and was told that it was not overnighted, but expedited, which is two business days. I called Citi again on XX/XX/XXXX, because I still had not received my card and was told by the agent that it was mailed regular mail and she will mail another one expedited! I was extremely confused how I would get two cards and which would be the one to use, she said they'd both have the same number! I asked her to email confirmation of what is gong on ( or just an email explaining that a new card is coming in the mail ), she said " we don't do that '' - even though I know for a fact that they do, because I received a similar email before when my previous cards were stopped. I ended the call with this agent and called again, in hopes of speaking to someone else that can explain what's going on. The next agent said that that card was expedited and left at my porch the night before! I told her that there was nothing left at my house and I have a camera to prove that. She then said " Oh, it was mailed regular mail " and I should receive it within a few more days, because " the expedite requests aren't going through ''. I was even more confused at this point, because one second I'm told it was delivered and the next I'm told its still in the mail. I asked what happened with the previous agent 's expedite request for a new card, she said " it didn't go through ''. At this point, this agent did not clarify anything ( if anything she added to my concern ). I am still waiting on my FIFTH card to come in the mail and I have no idea if they did indeed stop all recurring charges.
|
| 11/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Servicemember |
|
All dates are on or about : XX/XX/XXXX - I was notified by Citibank that they had closed my account XX/XX/XXXX - I contacted Citibank customer service to inquire about additional details. I was told that my account because there had been no transaction in over 2 years. I challenged this and the representative confirmed that the last transaction was in XX/XX/XXXX, but it didn't matter because the account was already closed. My only option was to request re-opening of the account.
XX/XX/XXXX - I contacted Citibank customer service and agreed to request re-opening of my account. I was informed that this was an application for credit and that my credit would be pulled. I agreed and they pulled my credit.
XX/XX/XXXX - I was provided with an Adverse Action letter by Citibank citing that my application for credit was denied because " your credit report shows your revolving balances are too high. '' I was directed to contact XXXX to review my credit file.
XX/XX/XXXX - I pulled my credit file from XXXX as directed and the file showed only a {$470.00} out of {$71000.00} balance for revolving line.
XX/XX/XXXX - I contacted Citibank customer service to attempt to get further explanation on why my credit application was denied as my credit report showed no such high revolving usage. The representative said they had no access to any information, so all I could do is send a dispute to " Citibank Credit Dispute Unit '' XX/XX/XXXX - A formal dispute was filed with the Citibank Credit Dispute Unit via FAX.
XX/XX/XXXX - I received another adverse action letter from Citibank in the identical form as the original Adverse Action citing " your credit report shows your revolving balances are too high. '' XX/XX/XXXX - I again contacted Citibank customer service to seek to understand the reason for my denial. I was told that my only option was to appeal the decision of the Citibank Credit Dispute Unit with the exact same Citibank Credit Dispute Unit.
XX/XX/XXXX - A formal appeal was filed with the Citibank Credit Dispute Unit via FAX.
XX/XX/XXXX - I received a letter from Citibank stating that they needed additional information to evaluate my request. The information requested was my gross annual income and my mortgage payment.
XX/XX/XXXX - I delivered via FAX the requested information to the Citibank Credit Dispute Unit XX/XX/XXXX - I received a letter via postal mail ( dated XX/XX/XXXX ) from Citibank stating that they were unable to process my request without speaking to me.
XX/XX/XXXX - I called the telephone number provided in the XX/XX/XXXX letter. The representative appeared to have no knowledge about the request and would only offer to re-process a reopen request and started down the path of collecting information that appeared to be an application for a new line of credit. I stopped the representative and asked him if this was what he was doing, but he would not actually answer the question. I confirmed that I had provided the requested information for income and mortgage payment and terminated the call.
XX/XX/XXXX - Based on information from a friend I contacted the Citibank Executive Support team in an attempt to get some answers as to the actual reason for denial of credit as the reason being provided on 2 occasions via adverse action letters did not match the information in my credit file retrieved from Citibank 's source. Another dispute was opened to investigate the issue.
XX/XX/XXXX - I received a telephone call from a representative in the Executive Support team who provided the same " your credit report shows your revolving balances are too high. '' line. I challenged that assertion and she would only state that I needed to take it up with XXXX. I stated that I had and XXXX was showing no such incorrect information. She further stated that there was no discrimination and Citibank has every right to close an account. I replied that I understand that the closure was within their rights, however denying my application for credit without a valid reason was not. I asked how I could resolve the discrepancy between what Citibank was saying was in my credit report and what the credit bureau was saying. She said I could only take it up with XXXX. I asked that the case be kept open, but it was closed against my wishes.
XX/XX/XXXX - Still seeking answers, I am filing a complaint with the CFPB. No additional communications have been received from Citibank.
|
| 04/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Original mortgage and note are dated XX/XX/XXXX by 2 borrowers, unmarried persons. Borrowers did later marry in XXXX and also divorced in XXXX, final judgement XX/XX/XXXX. Borrower # 2 kept the house and was to refinance. In XXXX, borrower # 1 ( myself ) applied for a refinance of a current mortgage held by me on a different property. My credit was found to have a delinquency on a mortgage with a balance of {$64000.00} by XXXX XXXX XXXX. I called them immediately as I have purchased two homes, numerous vehicles, etc ... and viewed my credit report numerous times in detail and never has this mortgage shown up. My call to XXXX revealed that I remain on the mortgage and the note of the home mentioned above, dated XX/XX/XXXX. I then called the servicer prior to XXXX, XXXX XXXX, who informed me that I was not on the mortgage when it was in their service. Upon further investigation, and information mailed to me by XXXX, I was informed that the mortgage had been modified in XXXX. I was not aware that this mortgage will still open, nor was I aware a modification had occurred. The modification states the " New Principal Balance to be {$65000.00} and changes the terms of the mortgage from a maturity date of XX/XX/XXXX to a maturity date of XX/XX/XXXX. The mortgage modification document appears to be from CitiMortgage, Inc. It's opening line addresses both borrowers by name, including myself. It states signature requirements of both borrowers on item 10. On the final page it shows a space for both signatures, but shows my name lined through and " N/A '' handwritten. The final page also states " Accepted and agreed to by CitiMortgage Inc. Successor by Merger to XXXX XXXX XXXX XXXXXXXX ". I have attempted to have this removed from my credit but told that I remain on the mortgage and note. If this is accurate, and I am still held accountable for this mortgage, how was it acceptable and rightful to modify the mortgage without my consent? If I remain on the mortgage and note, then an additional 24 years of debt responsibility was placed on me without my consent. There are indications on credit markings that the loan has been modified more than once, however this is the only paperwork I can find. Other servicers don't show me as responsible or on the mortgage so they decline to provide me with info ( XXXX for example ). Either I am on the mortgage/note or I am not. If I am not, my credit should not reflect any default by borrower # 2. If I am, then no modifications should have been made without my consent. Obtaining mortgage information on a mortgage that has directly and suddenly shown up on my credit when previously not there for nearly 2 decades, has been near impossible. CitiMortgage homeowner support team offers me nothing and states there are no mortgages that reflect my name, nor do they have the provided servicer number in their system ( info directly from the modification agreement ). I am in a very difficult situation as a consumer. Backed into a corner in which I am told by some that I am responsible for this, yet I can not get answers or information from all sources. No one can provide an answer as to why modification ( s ) have been made without my consent. I have filed and had our original divorce case reopened with XXXX XXXX Circuit Court in Alabama as a start. I am preparing to send notification to the FCRA via my attorney as well. I simply need help and guidance in this matter. I can not obtain information and answers on something that has affected my credit. I'm held responsible for it via my credit report and being held to 24 years extended debt that I knew nothing about, yet no one will give me answers on how this happened, or what I can do. I would have never consented to any sort of modification. As a consumer, I feel I have been taken advantage of by a mortgage company that chooses to report to the credit bureau with my name, yet changes terms without my consent. The modifications are reflected on 2 credit bureaus reports of mine, yet I wasn't asked for consent. If a company felt they had a right to modify without my consent, how can they rightfully mark my credit negatively? I can't even get a proper paper trail because half of the servicers that have handled the mortgage won't speak to me because they say I am not on it. I need assistance with this matter. I have a letter stating that the owner of the mortgage is XXXX XXXX in it's capacity as Trustee.
|
| 02/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
To Whom It May Concern : I was contacted by a Citibank representative named " XXXX XXXX claiming to be from the fraud department on XX/XX/2023 at XXXX. The caller ID came from the Citibank phone # : XXXX. XXXX requested that I verify my personal information including my full name, demographics, address, and social security number. He also verified recent transactions made on my checking account to verify that they were " valid transactions. '' XXXX informed me that there was an attempt to make a large purchase of about {$500.00} in XXXX Georgia, and Citibank was working on blocking the purchase. XXXX stated that he needed to help me secure my account.
I was sent a number of " Citi ID Codes '' that I had to repeat back to the " representative, '' " XXXX. '' On XX/XX/2023, between the hours of XXXX, there were 13 " Citi ID Codes '' texted to me, that I had to repeat back to XXXX. The following XXXX amounts were sent to an individual named " XXXX XXXX '' between the hours of XXXX : {$2100.00} {$2400.00} {$380.00} I asked XXXX what these were, and he told me they were sample transactions to make sure that my large transaction alerts were turned on properly.
XXXX then prompted me to change my password and log onto my Citibank account with a temporary password he created. He also had me change my pin. He had me open a Citi Priority account explaining this would add extra security to prevent future fraud. He then tried to have me log back onto my Citibank account and I was unable to. He told me that due to the attempted fraud transactions they were investigating, Citibank was having issues handling my account and it needed maintenance. He requested I call him back at XXXX XXXX on XX/XX/2023.
In the interim, I was able to log into my Citibank mobile app using a security pin, and looked at my account. There was about {$9000.00} in my checking account, that I did not have before. Both my saving accounts were wiped with an amount of {$0.00}. My Citibank account had changed to a " Citibank Priority Account. '' I had a personal loan approved and existing in the account in the amount of {$0.00}.
" XXXX '' provided me with his " direct phone # '' : XXXX. I called XXXX back at XXXX XXXX on XX/XX/2023. He sent me one more " Citi ID Code '' on XX/XX/2023 at XXXX. I then got a text message alert that a XXXX payment in the amount of {$2400.00} was sent to " XXXX XXXX. '' I again questioned this, along with the changes I saw when I logged onto my Citibank mobile app. XXXX explained again that the XXXX was a sample transaction to test my high amount alert system with Citibank. He explained the changes in what I saw in the Citibank mobile app were due to ongoing investigation and asked that I refrain from logging into the app.
XXXX told me that there was still issue securing my Citibank account, and that we needed to resume the call the following day on XX/XX/2023. He again provided me with his direct phone #, XXXX and said he would call me at XXXX on XX/XX/2023.
I had an unusual feeling that something was wrong at this point and decided to call Citibank Customer Service myself, directly at XXXX. A representative verified my information with my name, DOB, and the last 4 digits of my Citibank account number, and the last 4 digits of a credit card I have open with my Citibank account. He did not ask for any other identifying information like XXXX did.
I told the customer service rep to look into my recent transactions of the XXXX payments, and he asked me for verbal confirmation if these were authorized. I verbally stated that they were not. I asked the Citibank rep if these were " sample transactions, '' and he stated that they are not. The Citibank rep then secured/temporarily blocked my bank account. He instructed me to visit my nearby Citibank branch and open a new account with Citi. Once I do this, I will call back Citibank Customer Service at XXXX for them to transfer the money from the compromised account to the new account. I asked the Citibank customer service rep to verify the remaining balance in my Citibank account. He stated that the remaining balance is {$6900.00}. Prior to this incident, I only had about {$2000.00} in my savings account and about {$1100.00} in my checking account. I asked the Citibank Rep where the {$6900.00} came from. He instructed me to report this to https : //consumer.ftc.gov and the Consumer Financial Protection Bureau XXXX
|
| 07/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I filed a dispute with Citibank on XX/XX/XXXX regarding a {$2700.00} charge on my credit card by XXXX XXXX via XXXX for home improvement services. I provided Mr. XXXX with my inspection report dated XX/XX/XXXX for the recent purchase of my residence in XXXX XXXX, MD. Mr XXXX stated that I needed a new garbage disposal per the inspection report. However, page # 11 of the inspection report stated that the average life span of your disposal is 8 to 10 years. The garbage disposal was working fine per the inspection report and this service was unnecessary. Second, I paid Mr. XXXX to insert gutter guards and clean all gutters. Unfortunately, the gutter guards fell off some of the gutters, while others were sticking up and misaligned. Mr. XXXX hired a sub-contractor to perform this work. I have texted Mr. XXXX several times to come out and fix the gutters and insert the remaining gutter guards near the rear patio area. However, Mr. XXXX told me that he wanted to be paid extra for this service. I emphasized that he was already paid.
I also hired Mr. XXXX to remodel and update the bathroom on the first floor of my residence. The job was poorly done, and I had to pay a second contractor to repair and fix this bathroom. In addition, Mr. XXXX and I had a contract in which I would pay him {$200.00} weekly to perform plumbing, HVAC, and handyman tasks for up to 30 hours per week if needed. The contract requires both parties to provide a 30-day notice to terminate the contract. Mr. XXXX does not respond to any text messages or e-mails. I have asked him repeatedly to provide me with the original key for the smart lock to my front door and the code to a key lock box located on my front porch. Again, I have not received a response. In addition, I gave Mr. XXXX approximately {$1500.00} in Home Depot gift cards to purchase various home improvement items for me. I have asked Mr. XXXX for the receipts of these items repeatedly and he has declined to provide them. I find it suspicious that on numerous occasions, Mr. XXXX has asked me to pay him via XXXX, XXXX, and XXXX. Mr. XXXX had indicated to me that his business is new and that he doesnt report this income to the IRS.
On XX/XX/XXXX, Citibank requesting " A review from a second similar merchant, based on the invoice, indicating the work performed by the original merchant was incorrectly or unnecessarily completed. This merchant opinion needs to be written on their letterhead or include a copy of their business card. '' On XX/XX/XXXX, Citibank sent me a letter stating, " The documentation you supplied did not contain a letter from a second, similar merchant stating the work performed by the first merchant was incorrectly or unnecessarily completed. '' On XX/XX/XXXX, I sent Citibank an e-mail stating, " Are you serious? I received notification that the merchant won the dispute because I apparently didnt send the second contractors invoices for repair. See below for an email dated XX/XX/XXXX, in which I not only attached invoices, I attached a home inspection report, cancelled checks, a detailed letter, and the two invoices. I dont think that I can make it any easier. I suggest that Citibank reconsider its decision. Its not my fault that Citibank personnel dont read the emails and attachments. Please make sure that you scroll down the long list of attachments. '' Issue # 1- I was not available to Citibank 's request for the merchant 's opinion on a letterhead with copy of business card as requested on XX/XX/XXXX. I had made it clear to Citibank that I had been ill and under physician 's care during most of XXXX and XXXX. Furthermore, I also made it clear that I was a XXXX XXXX of the United States XXXX XXXX XXXX. Citibank has been provided with proof of my XXXX XXXX status many times in the past.
As such, I believe that Citibank has violated my rights under the Servicemember 's Civil Relief Act ( SCRA ) which states, " Servicemembers absent from duty for a lawful cause or because of sickness, wounds or leave are covered by the SCRA. '' The vast information provided was overwhelmingly sufficient. Citibank had to interact with XXXX. As such, I believe that the merchant didn't have the funds to repay the bank so they ruled in his favor despite the overwhelming evidence to the contrary. The merchant 's rebuttals consisted of insufficient one to two sentence responses. It is sad how Citibank treats XXXX XXXX servicemembers.
|
| 02/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
In the beginning, we had a XXXX Wayfair card. In XXXX, they split the balance and left part on the Commenity card and put half on a Citibank card. Ever since they haven't been posting our autopays from XXXX to XXXX. Since Citibank is directly debiting the amount every month XXXX can't give us tracking info and Citibank has been insisting we have been sending the payments to XXXX which is incorrect as you will see below. Our original complaint # is XXXX but we were unable to access it when we called because they stated we did not include our phone number or email address. I couldn't access it on your website either so we are starting over.
Payments to Citibank Account Activity Change Account Print XXXX XXXX XXXX XXXX Account information {$4.00} Available balance Current balance : {$76.00} Last XXXX Days All Recent Year To Date Last Year Search All completed transactions that include " XXXX XXXX XXXX XXXX '' in the description from XX/XX/XXXX to XX/XX/XXXX Date Number Description Amount XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT XXXX Payments to Commenity Past Payments Payment Details Payment Amount XX/XX/XXXX Online Payment from Account ending in XXXX {$200.00} XX/XX/XXXX Online Payment from Account ending in XXXX {$98.00} XX/XX/XXXX Online Payment from Account ending in XXXX {$200.00} XX/XX/XXXX Online Payment from Account ending in XXXX {$100.00} XX/XX/XXXX Online Payment from Account ending in XXXX {$200.00} XX/XX/XXXX Online Payment from Account ending in XXXX {$100.00} XX/XX/XXXX Online Payment from Account ending in XXXX {$100.00} XX/XX/XXXX Not available {$150.00} XX/XX/XXXX Online Payment from Account ending in XXXX {$230.00} XX/XX/XXXX Mail Payment {$110.00} Displaying all payments made to your account within the past XXXX months.
Copy of original complaint letter XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Regarding account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DE XXXX To Whom It May Concern : I have had my account set up to automatically pay the minimum amount due for this card on its due date. This has been in place since XX/XX/XXXX. Your customer service agent who assisted me in its set up guaranteed me that my payments would be received on time every month for the correct amount due. As you can see from the attached transactions from my checking account, I have kept up my end of the bargain.
Yet I continually get letters, phone calls, and texts advising me I havent paid my card in months, which is untrue. My last statement with due date XX/XX/XXXX states I am XXXX months in arrears. As you can see from my statement, I have not missed a payment in XXXX months. I am continually getting late fees and finance charges added incorrectly. Whenever I call customer service to get this corrected, I am given the runaround. No one can figure out where my payments are going, or to whom. This is fraudulent behavior from your bank. I was advised a fraud investigation would b e opened on my behalf, but apparently that was also a lie, and nothing has been done.
In addition, I have been requesting a credit card for this account since it was opened and have never received XXXX. I expect that you will investigate this matter thoroughly and appropriately and post my payments to my account. I expect all the late fees and superfluous finance charges to be reversed any my account to be shown as open active and paid on time for the last XXXX months.
I am sending a copy of this correspondence to the Bank Commissioner of Delaware because I actually want results this time. I have been fighting with your bank for over a year while receiving no help or respect from your representatives. As soon as I can, I will pay off this card and never use it again.
Sincerely, XXXX XXXX XXXX ph # XXXX XXXX XXXX
|
| 12/28/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American, Servicemember |
|
I am appealing to you about this situation as a consumer with good faith in our banking system. Evidently, CITIbanks practice based on my experience is misleading or even fraudulent.
I made my deposit at CITIbank XXXX XXXX XXXX in XXXX, CA on XX/XX/XXXX. The person who assisted me : XXXX XXXX, told me that the hold on the minimum deposit was 60 days after XX/XX/XXXX. I was also asked to go to another branch to get my signature notarized. XXXX also told me that after 90 days of keeping the minimum amount in my deposit, I will receive the bonus. Please see attached PROMO material from CITI, and a receipt of my deposit dated XX/XX/XXXX.
In XXXX, I started checking my account to see if my bonus has been applied. I left a voice mail to XXXX XXXX in XXXX, but I did not receive a call back, so I called XXXX XXXX, the Wealth Relationship Manager and left a message on XX/XX/XXXX. His outgoing message said XXXX be out for 15 days. When XXXX returned, he called me back and said XXXX check into the matter. I received my XXXX statement and still, it did not include the bonus. See attached.
On XX/XX/XXXX, I called XXXX number and talked to his teammate. I was given a reference number : XXXX, but again, nothing happened.
On XX/XX/XXXX, I called again, and I spoke with XXXX in their XXXX XXXX office. She said that I will need to sign w-9 form, and that the XXXX will call me within 24 hours. I got a call after XXXX days.
In the meantime, I filled out and signed the w-9. I asked XXXX if I can email it to him. He said yes, so I did. He told me that he will escalate the matter. Today, XX/XX/XXXX, I still have not seen the bonus that was in the promo ; XXXX months past the stated bonus time.
I feel that I have no recourse, so I went to write the incident in XXXX in my timeline and on CITIs page. I found out that there are a lot of people who have the same issue with CITI as I do. I also found out that a friend of mine is going through the same thing, after reading his comment on my post.
This is what I wrote on XXXX and on CITIbanks page on XX/XX/XXXX Is anybody experiencing difficulty with CITIbank other than myself? Last XXXX, I opened an account and deposited with CITIbank at the XXXX XXXX XXXX, after hearing of their promotion. The printed promo says maintain a minimum balance in 60 days and cash bonus will be credited to the account after 90 days. It is now XXXX XXXX months after the bonus should have been given, and they are still kicking my query around. The RELATIONSHIP MANAGER, XXXX XXXX told me he'll ask to accelerate the matter. XXXX, ACCELERATE WHEN YOU'RE LATE? I have done my part of the bargain, CITIBANK have to honor their commitment. I'm starting to think their PROMO IS MISLEADING and FRAUDULENT. On my end, I have followed up several times, with no avail. All they have to do is verify the date of my deposit, verify the amount and the time my account has been with them. WHY pass my inquiry around like a hot potato? I have completely lost my TRUST and RESPECT FOR THIS COMPANY. I'd like to know if anybody out there is experiencing the same fate as I do.
-- -- -- -- -- -- -- -- - After posting the above, someone from CITI responded with typical this is not the experience we want you to have, or something like that. We messaged back and forth in XXXX private messenger and finally the Assistant Manager from the XXXX XXXX XXXX called me. She said she will check the matter and speak with XXXX. She also informed me that their manager is aware of my issue. That was XX/XX/XXXX. Its now XX/XX/XXXX and I have not heard anything more from them nor seen the bonus credit to my account.
As Consumer Financial Protection Bureau, I thought you might be interested in this case and hopefully do something about it. If this practice is ignored or tolerated, who knows what they are capable of doing next? This practice is immoral, misleading and fraudulent. I believe in the integrity of our banking system, so when this thing happens its a shock and disdainful. If we can not trust our banks and the institution, it will be a sad state of affairs for our country and economy. I need your help and I hope you can get this case rectified and solved, not just for me, but for the other depositors as well and for the industry.
Thank you so very much for your kind attention. Im looking forward to hearing from you.
XXXX XXXX XXXX XXXX Attachment : 3 documents, as stated.
|
| 07/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I have been dealing with Citibank for over a decade. I informed them that am a XXXX travelling to the XXXX XXXX most of the year for contracting work. I called to inform them that am going to be back to the States from XX/XX/XXXX XXXX like I used to do especially if am traveling anywhere in the world so they get to accept payments only in the countries I have specified.
While and during my visit to Virginia, they rejected a payment I have made. I called them to inquire about a payment I have processed and they started asking me a lot of security questions ; I spoke to the Rep. and explained to her that am the owner of the account and am currently in the States for a visit. I told her that I can't understand her accent where I think she got vindictive and put me as a fraud account holder. She blocked my account on XX/XX/XXXX to accept any new charges ( during my visit while I asked requested them to accept charges I have made during my visit ) and after a few weeks, in XX/XX/XXXX they closed it even though I still have an outstanding balance that needs to be settled but I need first to discuss it with them as I think there's a miscalculation from their side but won't be able to do so every time I call and they can't discuss account details of my account since it has been closed.
Now I can't pay monthly installments when I believe I have been overcharged. During my many calls I have made to dispute their decision, a rep informed me that they could not recognize the international address so they took the decision of closing the account. Its very weird as they always send me renewal to my credit card overseas then how come they cant reach me? I dont think this is correct. I disputed a few charges and they resolved it to my favor until 3rd week of XXXX. How come they took a decision all of a sudden without notifying me first and without sending me any alerts or notices especially that I have never delayed any payments?
Besides, they could have emailed me an alert or warning notice of account about to be closed or something. I have not received anything from them other than email notifications of the outstanding balance I need to settle on a monthly basis thats all.
I kept calling them regularly to unblock my account and they kept falsifying facts that they sent me a travel reference number and I kept asking them how did you send it? By email? I didn't receive anything, nor by mail ( send me a tracking number of carrier you send it through ) but they were unable to provide nor by SMS and they kept insisting they did. They kept insisting once I receive the verification code I can call them back with it so they get to unlock my account when finally one of their Reps informed me that my account has been closed since XX/XX/XXXX and they didn't send me any codes of verification of any sort.
I assured them that I can provide them with any US verification ID to prove am the owner of the account and it's not a fraud account, having been with them for over 10 years and have never missed or delayed a payment and it's all showing on my profile with them but nevertheless, they closed the account without any kind of valid nor reasonable justification nor any warnings or notices that they are going to do so.
While calling them trying to solve it they kept asking me if I have any assets with the Citi and I think that is the reason ; that I have only a credit card with them that is not linked to any kind of asset, nor any financial products such as : CD, Money market, checking or savings accounts. But I have been dealing with them for years without any kind of guarantee other than having a good credit history ; not only that they have upgraded my credit card for the premier/Thank You Preferred MasterCard client.
All their pretext is that they can't recognize an international address while I kept my US residence address and valid email that they can reach me at either especially I always get paperless online statements.
It's an unfair decision that I think has a lot to do with racism and discrimination that one of their reps has started it when I asked her to speak clearly and slowly that I couldn't understand her accent.
I need my account to be reopened and to be appreciated and valued client ; having been with the Citi for too long plus I don't need anything to affect my credit history as well.
Please advise of what should be done.
Kind regards, XXXX XXXX
|
| 12/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Citi Bank representative XXXX XXXX responded to my CFPB complaint that was filed on XXXX/XXXX/XXXX. I have attached ( as one file ) any and all letters sent to XXXX, response from XXXX, certified mail receipts, CFPB complaints, Texas Attorney General Complaints, Bond Requirement search results, Third party collection agency letters, etc.
First, as Citi states in its own response dated XXXX/XXXX/XXXX on ( paragraph 4, lines 4 & 5 ) : " Citibank responded to your validation request, however, due to an error your credit bureau was not updated to disputed by consumer. Failure to mark a trade line disputed as prescribed by FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) - ( 3 ) is punishable under FCRA XXXX XXXX. XXXX ; and XXXX U.S.C. XXXX.
To see the repeated failures on Citis part to follow FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) - ( 3 ) Please see the attached letter as the table will not paste into this complaint.
Date Mailed - XXXX/XXXX/XXXX Date Rcvd - XXXX/XXXX/XXXX - Roelita Ruddy Tracking # - XXXX Reply/Dispute on CRs - No/No Date Mailed XXXX/XXXX/XXXX Date Rcvd XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX Reply/Dispute on CRs - Yes/No Date Mailed - XXXX/XXXX/XXXX Date Rcvd - XXXX/XXXX/XXXX - XXXX XXXX Tracking # - XXXX Reply/Dispute on CRs -Yes/No CFPB Complaint - XXXX/XXXX/XXXX Response - XXXX/XXXX/XXXX XXXX Complaint # - XXXX Reply/Dispute on CRs -Yes/Yes As evidenced above, Citi representative XXXX XXXX XXXX signed for my initial dispute on XXXX/XXXX/XXXX. However, Citi failed to ever respond, and failed to mark my credit reports disputed as prescribed by FCRA Section 1681s-2 ( a ) ( 3 ). Although in your response letter dated XXXX/XXXX/XXXX, signed by XXXX XXXX, you state you responded to my initial dispute of XXXX/XXXX/XXXX, you did not do so within the 30 days as required by Furnisher Rule 660.4 ( a ). In fact, you did not respond until after my second dispute letter dated XXXX/XXXX/XXXX. Furthermore, in XXXX XXXX, Citi sold the disputed debt to XXXX XXXX XXXX, an unbonded third party collection agency who started attempts to collect which is a violation of TEX. FIN. CODE 392.001. In XXXX XXXX, I filed a Consumer Complaint with the State of Texas Attorney General and sent XXXX XXXX XXXX certified, return receipt mail informing them of the violation. It was not until I filed said complaint with the Consumer Financial Protection Bureau that Citi recalled the debt from the unbonded collection company they had hired, and finally marked the tradeline disputed.
Second, creditor threats, as defined by the Fair Debt Collection Practices Act ( FDCPA ) ; are illegal and punishable in a court of law. As Citi states ( paragraph 5, lines 4 & 5 ) : This does not mean that collection activities will cease, it is possible that other permissible collection activity may occur. As the consumer, I take this as a threat of a possible pending lawsuit because I have used the Consumer Protections afforded to me by Federal and State laws to dispute the validity of a debt. Unlike Citi, I have not broken any Federal or State laws.
Third and final, for Citis informational purposes, the distinction between a debt collector and a creditor is not relevant under the Texas Debt Collection Act ( TDCA ). The TDCA applies not only to professional debt collectors, but also to any person who directly or indirectly engages in debt collection ... TEX. FIN. CODE 392.001 ( 6 ). Accordingly, the TDCA applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). While I appreciate that Citi does not need a license to collect a debt in Texas, they are required to have a XXXX XXXX on file with the Texas Secretary of State pursuant to TEX. FIN. CODE 392.001 et seq. Continued attempts on Citis part to collect on this disputed debt will continue to violate TEX. FIN. CODE 392.001 ; and the Deceptive Trade Practices-Consumer Protection Act ( DTPA ) TEX. BUS. & COM. CODE Subchapter E 17.41, et seq.
This is my FINAL letter to you demanding that you cease collection attempts, cease reporting of this trade line, and delete this trade line from all three credit bureaus, or I will seek all legal and lawful means available in order to remedy the multiple violations of TEXAS FINANCE CODE 392 ; TEXAS BUSINESS & COMMERICAL CODE DECEPTIVE TRACE PRACTICES-CONSUMER PROTECTION ACT ; as well as the violations of the FAIR CREDIT REPORTING ACT ; and FAIR DEBT COLLECTION PRACTICES ACT.
|
| 01/15/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
.I have a credit card with XXXX XXXX which is issued by Citibank . I have been a very long time customer. I made a purchase in XX/XX/XXXX. I did not get a bill from XXXX 's until XX/XX/XXXX. At this time, the statement said the account was overdue and now had a balance of {$350.00}. I went online and checked this out. The store charged me a late fee of {$27.00} and a finance charge of {$5.00} for a bill due in XX/XX/XXXX and then raised their late fee charge to {$37.00} and charged me that for XX/XX/XXXX and XX/XX/XXXX bills along with {$5.00} and {$6.00} finance charges, respectively.
I wrote a letter to the store and sent payment for {$230.00}, the total amount for the purchases, and I disputed the late fees and finance charges. XXXX 's did not respond.
In XX/XX/XXXX, I sent a second letter telling them that they had not responded to my first letter, explaining the matter again and also I sent a payment for the first late fee and finance charge stating that I did take a couple of weeks to investigate the matter once I got the first statement. XXXX sent my check back with a letter that stated they would not accept my restrictive endorsement on the face of my check and with no response, whatsoever, to the issues raised in my letters.
Their telephone calls continue. They begin at about XXXX XXXX and continue til almost XXXX XXXX. They are mostly recordings but I have spoken to a few people. I was directed to call XXXX.
I made this call, it took my several times to get through, but I spoke to XXXX on XXXX. She told me that my first two statements were e-statements and that is why I did not get them. I told her that I never agreed to this and she said it just happens periodically. I am not of the email obsessed generation and I have thousands of unread emails. I do not receive any statements through email.
She acknowledge almost everything that I have in my file. She said she did not show the first letter in XX/XX/XXXX and may have a reference to the second letter by an " and '' comment under my account. She claims that there is now {$240.00} owed in late fees and finance charges. She offered to " settle '' with me for about half that amount. The company will not address the fact that I did not get statements after the purchases. Instead they fail to respond to my letters and my comments on the phone and let the amounts just pile on. If they had responded immediately this would not have been an issue.
I talked to a second, very foreign sounding person, who claimed to be XXXX also on that date. She was an Acceleration Specialist. She, too, did not want to talk about the problem. She told me that statements are a " courtesy '' and that we have no right to get them and I should have sent in payment money without a statement. She also said it was not " bank error ''. and that I had to pay all the fees. They did credit some back. For instance in XX/XX/XXXX they credited back a {$37.00} late fee and charged a {$38.00} late fee. Last month they credited back two late fees and added another.
XXXX/Citibank had no interest in acting expediously in this matter ( back in XX/XX/XXXX ) because by failing to respond they racked up a great deal of fees and interest on an account where the purchases had already been fully paid for. They refuse to look at the matter in terms of who is right and wrong.
My Problems are these : 1. I did not get at least two statements for my {$230.00} purchases. I have always gotten a statement from XXXX XXXX and paid from that statement. This was our general business dealings that have occurred over more than 30 years. They have lead me to rely on those statement from which to send in my payments.
2. I never agreed to e-statements. I have also checked my email and I never got e-statements.
3. They raised the late fee on this account two times after the matter. It went from {$27.00}, to {$37.00}, to {$38.00}. It would seem the late fee should have been set out before the account became delinquent, in their opinion, and they should not be allowed to raise it, as they please, every month or two as the matter goes on. I should have been notified of any increase in such charges ahead of time.
4. Their telephone calls amount to harassment. We receive at lease ten or more phone calls per day beginning very early in the morning.
5. They have negatively reported this matter to credit reporting agencies.
6. They closed my account.
|
| 12/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
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On XX/XX/2018, I purchased two pair of shoes from XXXX XXXX online. The total purchase was {$950.00} for both shoes. On XX/XX/2018, one pair of the shoes came apart as I was walking in them. I contacted XXXX XXXX online at XXXX. I explained to them that I had purchased two pair of shoes by the name of XXXX XXXX XXXX XXXX shoe and the XXXX XXXX XXXX XXXX. I explained how the seam on the left front gave way on the XXXX XXXX XXXX XXXX shoe. I essentially had a break in the shoe. I sent the shoes back shortly thereafter on XX/XX/2018, because I received an email with a link for return label. I returned the shoes through the U.S. Postal Service. I received a newer pair of the shoes in the mail at my front door last week. However XX/XX/2018, I received a letter dated XX/XX/2018 from Citi XXXX Services, XXXX XXXX XXXX, XXXX, TN XXXX that they had completed an investigation of my account regarding a disputed charge listed on XX/XX/2018 at the amount of {$950.00}. The merchant is XXXX XXXX. This letter came with other documentation, which were a total of six pages. As I went through the pages, then I saw that there are various charges applied against me, and that there is a charge of {$630.00} credited and then re-applied. As I read the letter, it appears that I was being charged with {$950.00} that I am responsible for paying. What I do dispute is that I paid {$950.00} on XX/XX/2018, and as proven by my credit card statement for XXXX XXXX online. I ordered both shoes on XX/XX/2018. This letter from Citi Retail with attached information is not clear about what I owe, so I went to my XXXX XXXX account online, so that I could see what is going on. My balance is zero, but there is a XX/XX/2018 charge of {$630.00} credited and then applied again. My question is whether Citi XXXX charging me for the shoe again? Although I sent the defective shoe with original box and return label. If I owe the {$630.00}, then it should be listed and stated. I was not disputing what I paid in XX/XX/2018 for {$950.00}, which letter sent from Citi Retail Services is terribly vague. If XXXX XXXX represented by Citi Retail believe that I owe them another {$630.00} for the shoe, then they should say that, please! Nevertheless, I did not act in bad faith by destroying the shoe. I sent the shoe back to the retailer showing them how the shoe came apart on my foot. I even had the shoe examined by a shoe cobbler I use, and who determined that the shoe coming apart was a defective issue in manufacturing. I bought seven ( 7 ) pair of shoes from XXXX XXXX over the last year, and not one pair of shoes came apart on my foot like the XXXX XXXX XXXX XXXX XXXX shoe. I wear my shoes from XXXX XXXX often, but apparently my story and evidence sent back to XXXX XXXX and investigated by Citi Retail did not agree with my determination about how the shoe was considered defective. I sent out also two letters on XX/XX/XXXX and XX/XX/XXXX. I also cc 'd the Chief Executive Officer of XXXX XXXX, XXXX XXXX XXXX. I believe the confusion surrounds the belief that Citi Retail believe that I am disputing the {$950.00} charge, which I never said I did. I bought the shoes. I paid for them, but the XXXX XXXX XXXX XXXX shoe came apart while I was walking down the street in XXXX, Connecticut. If I returned the shoe, then should I have been charged for another pair? I don't believe I should, but if XXXX XXXX wants to charge me again, then I want the CFPB to determine if this is considered legal and ethical. I go out of my way to pay my bills. I am by no means a delinquent payer of my credit cards. I have evidence of all of the letters i sent and letters received from Citi Retail. I think a larger question should be if a shoe is defective and sent back to XXXX XXXX, then why is Citi Retail investigating a product that they are only responsible for financing access to the product, and they are not responsible for determining the efficacy of the product 's performance and endurance through the manufacturing process. Apparently, all of the information that I sent to XXXX XXXX Card Services XXXX XXXX XXXX, XXXX XXXX, SD XXXX was ignored. Did anyone at XXXX XXXX actually look at the shoe, or was the shoe examined by Citi Retail? When I look at the paperwork sent from Citi Retail, then the charge of {$630.00} applied and credited shoes that they received the shoe, but no determination of defectiveness was assessed.
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| 07/10/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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Thank you for reviewing this formal complaint. I've now spent over ten hours my life attempting to resolve the issue with Macy 's and unfortunately, they are not working with me on finding a resolution. I am a mom of a XXXX, XXXX with my XXXX child, and working full time from home without childcare support during this pandemic, and their customer service, if they had actually been reachable, could have resolved this issue at the onset, but they were not.
As background on my account : It has been open, active, and in good standing for 5 years and 8 months. Until this issue earlier this spring, I had never once had a late payment, and always utilized XXXX to pay my full balance. The only reason I had a late payment was because of a security breach on my checking account that required a new checking account, and Macy 's inability to resolve the issue in a timely manner both via a website that locked me out and a customer service that was entirely unreachable and unresponsive.
Here is the background and the timeline of the issue at hand : XX/XX/XXXX : I was notified by my employer that a security breach had affected nearly 100 % of our company, potentially exposing hackers to our SSN and checking account information that were used for payroll purposes.
I immediately contacted my bank, and asked that they close my previous checking account, and open a new one. Between my mortgage and credit cards, streaming subscriptions - I have over 25 accounts all of which are set-up to debit from my checking account using Auto-Pay features. I thought I had updated ALL of them, as I invested the necessary time to do so. I had not used my Macy 's account in months, and it seems that they still had my old checking account on file.
XX/XX/XXXX : My husband and I had a gift card, and made some small purchases at Macy 's with the combination of the gift card and my Macy 's credit card. Knowing I was set-up on Auto-Pay ( like all of my accounts ) it's a transaction we made and I didn't think twice about it later.
Early XX/XX/XXXX : I got a notification in my email that there was a failed payment to my Macy 's account, and I immediately realized they needed my updated checking information, because they had my previous checking account number ( which was now closed ) on file.
I went to their website, logged in to my account, and as soon as I tried to do anything related to billing, especially adding a new payment account, I was blocked by them and told that " This action could not be completed online - please call Customer Service. '' I called Customer Service, but as thiswas the beginning of Shelter in Place, and the onset of the pandemic - they did not answer the phone. There was NO way to reach them over the phone, and NO way to reach them via their website.
I tried at least half a dozen times to reach them, and battled incredibly long hold times, and they were entirely unreachable.
XX/XX/XXXX : I was finally able to carve out the necessary time ( over one hour just on hold ) to get through to their customer service, and was able to : -remove the outdated/closed checking account number-add my new checking account number and routing number-pay my bill in full-they even removed the late payment and interest penalties because of the issue at hand-I had to wait 2 days before I could enroll in Autopay and I did that as soon as it was possible.
In that call, I asked them to wait or at least give me the opportunity to appeal with their credit reporting department, and I was promised I'd receive a call from them within 2 days to be able to resolve the issue. They never called. Never followed up, and they went ahead and reported the 30 day late to the bureaus.
XX/XX/XXXX : I opened a dispute, and was hoping to reach them to find a resolution, but life did not allow for it.
XX/XX/XXXX : We are in the process of trying to refinance our home, and having an active account with a derogatory remark and an open dispute is proving nearly impossible for us to move forward.
I spent over three hours on the phone with Macy 's today, asking to escalate and review the decision, and I hit a wall at every turn.
They have shown no understanding about their role in this issue.
I tried every attempt within my ability, in the wake of a pandemic, to pay a bill that only wasn't paid because of a security breach on my checking account.
Thank you for your review, XXXX
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| 07/09/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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AMERICAS BIGGEST SCAM TO EACH CREDIT REPORTING AGENCY, XXXX, XXXX AND XXXX XXXX RESPECTIVELY : A scam is being presented to each credit reporting agency in millions of cases. The Federal Trade Commission agreed years ago that the debt collection business is broken, and now, because of a loosely held Supreme Court decision, the debt collection industry has gone off the charts on illegal activity of the transfer of trade for personal credit matters. Each of these violations where proof of ownership is not sustained is a serious breach of an implied agreement between the collection agencies and the credit bureaus through the subscriber agreement between the parties. Your credit reporting agency needs to investigate this abusive practice and the Consumer Financial Protection Bureau ( CFPB ) must initiate a serious investigation on this abusive practice. My files should be purged permanently as the fraud has already been committed, and I am subject to my rights to sue for damages.
I am one of millions of American consumers who has been entwined into a scam by various collection agencies in America. Attached is a document known as a qualified written request or QWR. There are several posted collections on this QWR, all with account numbers backed by copies of collections from XXXX XXXX, XXXX. On each of these collection notices it specifically states that XXXX XXXX, XXXX is the new owner of a debt or debts that were originally with another creditor. However, a fully completed QWR on each of these debts will prove that not only is XXXX XXXX, XXXX the new owner, but that any transfer would have been illegal unless said transfer came from a securitized trust agreement. All of these debts were sold off into a trust, and the QWR for each debt will prove so. Now Ill explain how this scam originated in the United Stated over the past year.
On XX/XX/2017 a decision was handed down in the United States Supreme Court on a case called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This 11-page decision comes right to the point on the application of the Fair Debt Collection Practices Act ( FDCPA ), the rights consumers should have under this act, and the tracking of new ownership. This decision left a window open for the debt collection agencies and their counterpart original creditors to pass off charged off debts without the proper documented trail. The decision states that a buyer of debt ( s ) can work outside the FDCPA protections guaranteed to consumers.
The problem is becoming a giant problem pertaining to trade rights for Americans who should be protected under FDCPA. Im making the claim that each and every one of these collection has perpetuated a fraudulent activity that should be beyond a civil complaint, but more criminal in nature.
XXXX XXXX, XXXX has never acquired these debts legally. There was no tracking of the debts from originality to a securitized trust, and from a trust with multiple signatures to XXXX XXXX, XXXX. This process is not only fraudulent, but a process that has caused me great damage to my personal credit history. This agency is now doing this process to virtually millions of Americans amounting to hundreds of millions of dollars in fraudulent collections.
COLLECTION AGENCY HAS NO SUBMITTED PROOP OF OWNERSHIP!
A COPY OF THE XXXX XXXX XXXX XXXX XXXX XXXX IS ATTACHED!
I DEMAND A FULL HISTORY OF OWNERSHIP BASED ON A QWR!
I DEMAND THE PURGE OF MY FILES FROM XXXX XXXX XXXXXXXX.
TO EACH CREDIT REPORTING AGENCY, XXXX, XXXX AND XXXX XXXX RESPECTIVELY : A scam is being presented to each credit reporting agency in millions of cases. The Federal Trade Commission agreed years ago that the debt collection business is broken, and now, because of a loosely held Supreme Court decision, the debt collection industry has gone off the charts on illegal activity of the transfer of trade for personal credit matters. Each of these violations where proof of ownership is not sustained is a serious breach of an implied agreement between the collection agencies and the credit bureaus through the subscriber agreement between the parties. Your credit reporting agency needs to investigate this abusive practice and the Consumer Financial Protection Bureau ( CFPB ) must initiate a serious investigation on this abusive practice. My files should be purged permanently as the fraud has already been committed, and I am subject to my rights to sue for damages.
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| 11/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Citi attempted to post payment two additional times to an account with insufficient funds without ever notifying me of the initial rejection. The policy of making repeat attempts to post payment when it is initially rejected is nowhere stated in the Card Agreement. Customers are therefore forced to incur multiple fees and adverse effects on their credit report, without ever being notified by Citi that payment was rejected. The details of my specific case are as follows : On XXXX XXXX, 2017 Citi posted payment to bank account A. This account did not have sufficient funds to cover the payment. I had thought that I had changed automatic payment to my bank account B, which does have sufficient funds ; this was indeed my own oversight. My bank A rejected and returned the payment on XXXX XXXX. My bank A then sent me a letter to inform me of this, which I received on XXXX XXXX.
In the meantime, Citi posted payment to my bank account A again on XXXX XXXX. This was done without Citi ever notifying me that my payment had been rejected.
In the evening of XXXX XXXX, after I received the letter from my bank, I promptly logged onto my Citi Cards online account and attempted to pay, from my bank account B, the amount that had been posted for payment to bank account A. When I could notthe amount was registered as paid even though I knew from looking at my bank account A online that it had been rejectedI changed my primary bank account to bank account B. In addition, I called Citi Cards to attempt to pay over the phone. When I could not pay over the phone, I verified that my account B was now the primary bank account to which payment should be posted.
On XXXX XXXX, payment was once againfor a third time! posted to my bank account A.
This occurred even though I had updated my bank account preferences to bank account B online and I had verified the update over the phone with a customer service agent. Even worse, this occurred after I, in good faith as a customer who routinely pays her bills, attempted to correct my initial oversight. The most egregious fact is that this occurred without any alerts to me, a long-standing customer, that payments were being rejected and returned.
I learned from a discussion with XXXX, an account supervisor, on XXXX XXXX that it is Citis policy to automatically post payment to the same account multiple times even if payment is rejected and returned. And this is done without ever alerting the customer. The customer then incurs multiple fees from his/her bank account and Citi also charges the customer fees. Even more disappointing, all these returned payments have the potential to adversely affect the customers credit rating.
My Card Agreement states in Section 6, Authorized Users and again in Section 8, Credit Reporting : We report Account information in your name, as well as information about you to Consumer Reporting Agencies, on a monthly basis. The information we provide may appear on your credit reports. This can include information about : Late Payments ; Overlimit amounts ; and Returned payments ; Other violations of this Agreement ( Section 8, my emphasis ).
Furthermore, after closely reading Section 5, Payments, of my Card Agreement I have found no mention of Citis policy to post payment multiple timeswithout alert or warning to the customerafter a payment has first been rejected. In other words, Citi does not ever mention a company policy that has the very clear potential of causing customers 1. to incur multiple fees at their banking institution ; 2. to incur multiple fees on their Citi Cards account ; and 3. to suffer an adverse effect on their credit rating.
This policy of posting payment multiple times without alert or warning to the customer and without spelling it out in the Card Agreement is extremely duplicitous and has potentially disastrous financial effects on Citis customers, including long-term effects on their credit rating.
At the end of our conversation on XXXX XXXX, XXXX, the account supervisor, scheduled an appointment to call me on XXXX XXXX, between XXXX and XXXX EST, so that he could attempt to right this wrong. He never called. Even if Citi reimburses me the excess fees incurred by re-posting payment to an account with insufficient funds without notifying me of the initial rejection, how can I quantify the adverse effect on my credit rating once these rejected payments are reported?
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| 10/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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***The complaint site only allows to input one credit card. However, all of my credit cards are affected.
I will explain what happened to one credit card.
But for this particular credit card ending in XXXX, I didn't do anything wrong, it's just a card that focuses on XXXX purchase regularly, Citi has all the shopping history as evidence to trace and investigate. Close this card is unfair. *** What happened : I have used Citi credit cards since XXXX. During the nearly 8 years, I've been very loyal, using them regularly and routinely, and NEVER missed a payment.
I have three cards with Citi : 1. 'XXXX XXXX XXXX ' with a {$48000.00} credit limit, earned {$3000.00} in cash rewards, but have not redeemed them yet.
2. 'Cost anywhere card ' with a {$10000.00} credit limit, earned {$620.00} cash rewards, but have not redeemed them yet.
3. 'Citi thankyou XXXX card ' with a {$25000.00} credit limit, earned 200,000 rewards ( equal to $ XXXXcash based on 1:1.5 rate ) but have not redeemed them yet.
Citi closed all my credit cards on XXXX XXXX ( Saturday ) without a logical or fair reason, which caused some large issues in my daily life.
1. The impact to my credit score was immense due to the large credit limit drop. ( I'm close to buying my own house, and this is debilitating for me ) -The effect that it has on my life is very negative from this significant credit score drop.
-I will most likely lose the chance to buy my house -I may lose future job opportunities since companies run a credit check.
2. Refusal to let me appeal even know there's no logical or fair reason given 3. Taking all of my {$3600.00} cash rewards and point rewards ( $ XXXXvalue ) that I earned away I will explain what happened and what help Im looking for.
* I used the first two cards ( XXXX XXXX & Costco anywhere ) very often to buy all my personal and XX/XX/XXXX office items, but used 'Citi XXXX XXXX XXXX ' less often.
Since XX/XX/XXXX, I decided to use 'XXXX XXXX XXXX XXXX ' more frequently. We have a 'stimulus program ' to award employees who perform really well with XXXX XXXX XXXX. I was using my XXXX XX/XX/XXXX credit card to buy XXXX XXXX cards from XXXX grocery store, instead, I wanted to use the 'Citi XXXX XXXX XXXX '.
First, I called in Citi customer care and security team to report that I will start using the 'thankyou Premier card ' more often and will have some big transactions.
Second, after they put in a note, I still had problem making the transaction. I received a security message every time, and I did call in every time to verify myself to make the transactions.
Third, and most importantly, I did ask them every single time if it's ok to use this card for these big transactions, if not, I would switch back to XXXX. However, all the security representatives I talked told me the same thing that it's fine, I just need to call in to verify myself.
HOWEVER, Citi still cancelled all my credit cards on XXXX XXXX ( Saturday ). I even called in to talk to representative to purchase the monthly stimulus prize-XXXX gift cards on XXXX XXXX ( Thursday ) Through all of these verifications with Citi representatives XXXX never once did any of them tell me this was something I couldnt do.
I care about Citi, and Ive had these cards for 8 years. I use Citi for all my personal and XX/XX/XXXX purchases, and have never missed any payments. I did call every time and verify who I was, and that I was in-fact making these purchases. The disconnect and wrong information I received as a loyal customer is concerning. I am not one to misuse or break any type of policies you may have, and that wasnt my intention.
I know Citi is sensitive, so I was looking for the Citi employees to guide me the right way. Customers dont know everything, but instead of answering and guiding the customer through the policies, my accounts were just closed. As mentioned above this has affected me in multiple ways.
Furthermore, my other two accounts were affected and I am still carrying a balance for all three.
This is very hurtful, after 8 years and they just kick you away, take all you have, and don't give a reason. They dont even don't allow you to appeal. Is this the way good customers get treated?
This situation has made a large inconvenience in my life and has caused some significant damages. I would like to work to resolve this issue and continue to be a loyal customer.
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| 06/20/2018 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Can't temporarily delay making payments
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Web |
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Today is XX/XX/XXXX. I am submitting this because I have been trying to work with XXXX XXXX/Citibank in regards to my student loans. At the beginning of the month/end of last month I reached out to XXXX in regards to my bill. Details below : I graduated with my Masters in XXXX of XXXX and thought my student loans would not go into repayment until after 6 months of graduation so I was not initially planning on reaching out to this company until the end of XXXX/beginning of XXXX for this reason.
In XXXX I also got divorced and my ex-husband moved out of our apartment. I got a roommate and my mailman began forwarding my mail along with my husband 's mail. I unfortunately did not catch this issue ( I was receiving some mail intermittently and most bills are electronic ) until XXXX. The mail issue has been corrected and the company does have my correct address.
Last week I reached out due to an account statement that I received indicating that I was several months past due and that my balance was {$780.00}. I reached out to the company and spoke to a representative. I was told that my loans went into repayment immediately but that I could use my forbearance and I would be receiving forms in the mail or via email that I needed to sign and return.
I never received any documentation. No voicemails and no emails either. On the night of XX/XX/XXXX my co-signer and I received a certified mail letter indicating that my loans would be sent to collections if they did not receive payment. I called Tuesday, XX/XX/XXXX and talked to another representative that said that I needed to catch my account up to be eligible for the forbearance. They indicated that I had 10 months of forbearance left on my account and that I needed to pay {$380.00} to get it within 60 days of being past due. They also indicated that I was not eligible until the payment has been processed which would not happen until 4pmCT that night. I paid the {$380.00}.
Today I reached out per the instructions of the other representative to apply for the forbearance as the payment was posted, but the representative that I spoke with told me that I did not qualify and that the max that they might be able to do would be 2 months. I explained that that is not what I was told previously and indicated that I was told I had 10 months left. They said that I only qualified for two which would pay for XXXX and XXXX and that I had a balance of {$190.00}. 51 due on XX/XX/XXXX. I explained that I can not do that due to just paying the {$380.00} and that I wouldnt need the full 10 months but just through XXXX-so 7. He again told me I didnt qualify. I asked to speak to a manager. When the manager got on I explained the whole situation again. He again told me I didnt qualify and that if I could not make the payment on XX/XX/XXXX that I could not have the 2 months either because they needed guaranteed payment. I told him that wasnt possible and told him that the company was not ethically practicing due to the representatives not understanding and communicating the terms of forbearance effectively. He then hung up on me.
I called back and explained that I was just hung up on-the representative said that there was a note in there indicating that the phone was " disconnected '' and that the representative tried to call me back. I have no call and no voicemail to back that up. I asked for a manager. They told me the same thing and indicated that they will give the other representatives " additional training '' but that I still didnt qualify for the forbearance. I asked if they were owned by Citi or if my account was sold and they said that it was not. I asked if they had a number for Citi and they said no-that they are contracted to handle my account.
I tried to find a number for Citi to discuss my loan directly with my lender but was unable to find a phone number. I did come across the article where they were fined for illegal student loan servicing practices and came across the information for submitting a complaint.
I have tried to handle this and feel that I was intentionally lied to initially. I am trying to pay back my loans and can-just not immediately. I had to re-work my finances in order to make the initial {$380.00} payment and am not immediately able to make an additional {$190.00} on XX/XX/XXXX. I have other private lenders who are working with me so I do not understand what the issue is.
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| 10/29/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On Wednesday, XX/XX/XXXX, at approximately XXXX XXXX XXXX, I received a mobile phone call from XXXX. The caller identified himself as " XXXX, a Citibank employee ''. He alerted me that there was suspicious activity occurring on my Checking account. After reviewing/confirming the transactions, I was alarmed, and he assured me that he would help me stop and reverse these items. Unbeknownst to me, this caller was an imposter and had already hacked into my Saving account and transferred {$3600.00} into my checking account, this was not authorized. Savings account Number is This fraudulent caller was skillful and professional in keeping me calm, insuring he would help me. In order to do so, he said we would use XXXX to transfer the funds to a phone number he provided, which was assigned to XXXX XXXX ; I do not know this person. I only know of this name when I saw it in the text confirmation. Additionally, the transfer occurred in three different transactions all to the same person. The transactions were for {$25.00} ; {$2400.00} and {$2500.00}. Once all funds were transferred out, the call ended, and I had less than {$5.00} in my checking account.
As soon as the call ended, I immediately call the real Citibank Customer Service Number at XXXX, the same number the caller called from. The frontline Citibank employee started an investigation and within days I received a letter in the mail that my request for the funds to be returned was denied. Since then, I have called the only number I have for Citibank ( XXXX ) and I haven't been able to get beyond the frontline customer service representatives. These Customer Service calls seem to be outsourced to a foreign country in which the language is thick and my understanding is uncertain. Additionally, the frontline customer service representatives seem to be reading from a written script, in which they ask only the questions/statements on this script and not providing any intuition or common thought processing. Each time I would call, these frontline representatives did not present compassion or comprehension to what had occurred to me.
In the last 12 months I have called the Citibank Customer Service Number to get help or clarification as to why my investigation keeps getting denied. Each time I called, I must be triaged by the same foreign country service representatives, each reading from the same script, neither asking follow-up questions. Never, not once, was I able to talk to a supervisor, manager, or person of seniority who had the authority to provide greater insight or investigate further. Each time I called, required me :45 - :90 minutes ; time entering selections on the phone, triage, on-hold while the foreigner looked up my account information, but mostly me trying to explain what happened.
To help substantiate my lose, I filed a Crime Report with the XXXX XXXX XXXX XXXX Police Department. I have also, faxed my account statements, crime report, and printout of the fraudulent transactions to Citibank and my case was stilled denied.
I have visited the local Citibank branch to ask for help but they claim that they can NOT help me because they too must call the same toll-free number, XXXX to be triaged like me.
With the lack of cooperation with my numerous calls to Citibank, I have contacted the Local XXXX station ( XXXX XXXX ) in XXXX and have an upcoming interview with the segment, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ) is a Consumer Affairs Reporter, and the interview is intended to bring awareness to the length of fraud consumers are encountering from hackers.
Finally, and interestingly, shortly after my account was hacked into and I lost all but {$5.00}, I was no longer able to use XXXX to send funds to friend/family, via XXXX. When I called the Customer Service number, XXXX, the representative says, the vendor is working on it and it was supposed to be done in a few days. This is telling to me that Citibank knows there is a problem with XXXX and its ability to be infiltrated, yet Citibank wont protect their account holder- for which I have been one since XXXX!
Recently, I was listening to a XXXX XXXX XXXX ( XXXX ) story on Consumer Financial Protection Bureau and I thought to myself, that this is my last resort, I am pleading to your agency to investigate and probe into why Citibank would partner with XXXX and NOT support their customers who are using this application.
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| 05/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have been a XXXX member for a decade and XXXX XXXX was the credit company before Citi Bank took over in early XX/XX/XXXX. I took my car, a XXXX XXXX XXXX, which I used for running my business to XXXX XXXX XXXX for a minor repair in XX/XX/XXXX. A couple days later they informed me about damaged engine parts which needed to be replaced. They did the repair and I paid them {$1100.00} cash. It took them 3 weeks to do the repairs.
As soon as the car was out, it started to over heat. They towed it back and now a new engine was needed. They kept the car for another 6 weeks, I got the car back on XXXX XXXX. They would not release the car unless I paid them {$2300.00} for the engine which I did with my credit card. Basically they were stuffing me as much as they could.
Days later the car was towed back to the shop again. This time they claimed the transmission was bad. They charged the card a total of {$1600.00} ( {$400.00} down payment on XXXX and {$1200.00} on XXXX XXXX ). Still they would not release the car unless I paid them {$80.00} cash. why? for transmission oil. Since when a transmission is put in your car without oil?
The day I got the car back ( XX/XX/XXXX XXXX both CHECK ENGINE LIGHT & MAINTENANCE LIGHT were on. They claimed the computer would re set itself and shut the lights off automatically. Soon I broke down again and this time I took it to a different shop because XXXX XXXX XXXX would not honor the warranties. My car was out of service for over 4 months.
I spent another {$5700.00} to replace the defective transmission and many parts of the engine they put in. I believe they charged me for repairs they never did or used junk yard parts from dead accident cars.
I disputed the three charges with Citi Bank : XXXX XXXX XXXX Citi bank somehow sided with the merchant. How and why Citi Bank did this is not the focus of the complaint. Citi Bank has put me in a bigger hole. On XX/XX/XXXX XXXX ( 18 months later ) I was served a law suit by XXXX XXXX XXXX for over {$50000.00} in XXXX XXXX. The law suit is based on communications between Citi Bank and XXXX XXXX XXXX. Citi Bank Sided with XXXX XXXX XXXX and paid it in full. I was furious at Citi Bank but I did not follow up because I was having health problems. I was suffering from XX/XX/XXXX. In last 18 months I have paid thousands of dollars to Citi Bank in interests. They love it. Now the cost of fighting the law suit is thousands of dollars as well. Thanks to Citi Bank.
When I was served the papers on XX/XX/XXXX I called Citi Bank and asked for a copy of my file in regards to these three disputes. I told their dispute department I had 20 days to answer the law suit and dismiss it before it is assigned to a judge and going to court. Every day I called Citi Bank and begged them to email me the documents. This is XXXX. Citi Bank could have had emailed me my file in matter of minutes. 20 days passed and the law suit moved into the court. Their refusal to send me the file will cost me thousands of dollars more in legal fees. Citi Bank never called me back in regard to my request. But it started to call every day after I missed my payment for the first time in years. You see how Citi Bank functions. Yesterday I received a mail from Citi Bank stating my account needs immediate attention before collection activities begin. My health particularly my XX/XX/XXXX has taken a hit in last two years because of what happened. It is amoral obligation for Citi Bank to act professionally.
I want Citi Bank TO : 1. Stop collection activities and reporting to credit bureau until this law suit is completed.
2. Release a copy of all communications between me and Citi Bank ( letters, faxes, emails, telephone conversations and notes ).
3. Release a copy of all communications between Citi Bank and XXXX XXXX XXXX ( letters, faxes, emails, telephone conversations, and notes ).
4. Release a copy of all communications between Citi Bank and XXXX XXXX and XXXX ( letters, faxes, emails, telephone conversations, and notes ) in regard to these disputes.
5. Release Citi Bank dispute investigator 's report and notes in regard to these disputes.
I want Citi Bank 's response only in writing. I don't want any one to call me. I have to prepare to fight this in the court. If there is no documents in regard to any of the above 5 requests I want Citi Bank to write it in a letter explaining there is no communications.
|
| 07/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
Citibank has charged fees on my closed checking account that I have initiated to close on XX/XX/2019 and confirmed by the Citibank customer service representative that it is closed. I received a letter from Citibank on XX/XX/2019 stating that there is an unpaid balance of {$61.00} in my closed checking account that I need to pay off, else they will report this to credit bureaus. I am not aware or sure why is there an unpaid balance on a closed account.
Following is the background of this issue : On XX/XX/2019, I have transferred all my money in the account to an external account and the transaction was completed. I confirmed it by logging on into my Citibank accounts and my external account to confirm the fund was successfully transferred to my external account on XX/XX/2019.
On XX/XX/2019 I called to Citibank to initiate to close all of my accounts and the customer service representative checked the account and confirmed that both the checking and saving accounts are all clear and can be closed.
Then on the beginning of XXXX, I received a letter from Citibank stating that there is unpaid balance in my checking account. I was shocked because as far as I know both of the checking and saving accounts were closed in XXXX with XXXX balances and was cleared by them. I have also made a note for myself on when the accounts were closed XX/XX/2019.
On XX/XX/2019, I called to Citibank customer service to find out more details about the letter and the unpaid balance. I was told by the Citibank representative that both the checking and saving accounts are closed and she told me I am all set and there is nothing to worry. But I insisted her to look into it further because I received this letter stating that there is an unpaid balance due and it will be reported to credit bureaus. She kept on telling me that I don't have to worry because both accounts are closed on XX/XX/2019. That made me worry even more because all of the accounts were closed on XX/XX/2019 and not XX/XX/2019 as she told me. I insisted her to look into further so she put me on hold for a really long time - finally she got back and told me that the checking account was charged for a " below balance fee '' and " overdrawn fees '' for a total of {$61.00}. Now she changed her tone and she told that I now have to pay the balance.
I told her I closed the account on XX/XX/2019 but then she said it is my responsibility to ensure there is no outstanding transaction when I closed the account. I told her that there was no outstanding transactions or balances when I closed the account on XX/XX/2019. I have told her the customer representative who had helped me then had also checked and ensured that everything was good and closed the account on XX/XX/2019 ; But she insisted that it was my responsibility not Citibank, and I have to pay the fees!
As a good faith customer - I have done my due diligence to ensure there is no outstanding transaction when I had reached out to close the account with Citibank on XX/XX/2019. And it was confirmed by Citibank Customer Representative to me on that day that all of my accounts are in good status and it can be closed.
I have done my best to explain to the Citibank customer representative on XX/XX/2019 call, but the that customer service representative refused to remove the unfair and incorrect charges and stating that since the account was closed that she can not do anything ; But interesting enough how can they charge fees on closed accounts but ironically they can't remove incorrect charges? Another suspicious thing is that Citibank reported that the account was closed on XX/XX/2019 instead of XX/XX/2019. Another thing that doesn't make sense is that if they couldn't close the account on XX/XX/2019 because of " outstanding transactions '' then how can they close it on XX/XX/2019 since there is still " unpaid balance '' on the account? All of these indicate that Citibank is trying to impose inaccurate charge on customer banking account by postponing account closures. This is really an unfair and unethical practice and it should be stopped.
I am seeking your assistance in resolving this issue by requesting Citibank to remove the incorrect charges of {$61.00} from tied to my closed account and reassure that this won't impact any of my credit record going forward. If you need any additional information, please let me know. I appreciate your help on this.
|
| 11/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
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I am a victim of XXXX scam. I received a text and a phone call on XX/XX/XXXX, XXXX ( Colorado XXXX ) from a scammer posing to be a citibank employee claiming to help dispute an unauthorized charge on my checking account. It resulted in opening XXXX new checking account and getting unauthorized approval for a personal loan of {$7800.00} ( I received citibank emails confirming these processed within minutes ) which then the scammer transferred the entire loan amount and around {$1900.00} of my personal fund from those checking accounts to another account via XXXX transfer resulting around {$10000.00} of transfer. I have already filed a form ( complaint number : XXXX ) regarding unauthorized loan approval. This complaint is regarding unauthorized/fraudulent opening of XXXX new checking accounts on the same day and time.
Despite receiving an email out for potential " fraud alert '' which Citibank themselves sent on XX/XX/XXXX XXXX ( Colorado XXXX XXXX ), XXXX new checking accounts have opened within short period of time XXXX and XXXX on the same day. Scammer has used these tools to transfer personal fund of about {$2000.00} ( the last statement balance was {$1900.00} ) from my existing checking account that I had for more than 10 years and the fraudulently approved loan amount of {$7800.00} within minutes navigating between XXXX above mentioned checking accounts.
After realizing the fraud/scam/breach, I started contacting Citibank customer service around XXXX ( Colorado XXXX ) and informed the bank of the situation. I was working with " XXXX '' from " unsecured lending account department '' which she relayed the info and transferred me to " security department. '' XXXX made a comment that usually the approved loan amount does not get processed for XXXX business days and transferred my phone call to " security department ''. The representative from this department processed " blocking '' of all citibank checking accounts and loan accounts under my name, and informed me that the " investigation department '' will contact me for further guidance. I asked multiple times that since " all the charges that were made on this day XX/XX/XXXX are result of fraudulent process and it is shown as PENDING on the bank account '', if they can reverse or cancel the XXXX or loan process charges made this day. They informed me that the while the account is " blocked '' and that would prevent those accounts from further transactions, but they will keep the account accessible for the investigation team to collect information from. This call between citibank and myself lasted XXXX. After quickly leaving my work and preparing myself for further follow-up actions, I contacted Citibank again XXXX XXXX ( Colorado XXXX XXXX at home to verify and inquire more about what I can do. The XXXX XXXX of phone call with the Citibank representative repeated the same information informing me to wait for the investigation team to contact me back, and that they have block all related accounts under my name and the PENDING transactions should not be processed as the accounts are now in this " blocked status ''. They also recommended me to open a new checking account so that the refund money can be easily transferred back to me when the dispute/investigation is settled which I complied to. I asked them how can I be sure of that the process/action has been made, and the representative informed me that I would be getting the communication via my email or mail. At XXXX, without the mentioned confirmation email of the action against this fraud report sent to me ( I did received an email from Citibank for opening up my new account though ), I contacted the customer service again to verify and to request a written/documented confirmation of the events of this day. The representative repeated the same information mentioned above saying that all accounts are blocked and I should wait for their team to contact me back ( XXXX minute phone call ).
I am reporting that I have NOT received any follow up email from Citibank regarding this fraud that I am experiencing. Viewing my online banking account is now " locked '' from laptop access, but I can still access it and find some information from my smartphone app and I will report individual charges to CFPB as recommended from the website. Please contact me for any information or recommended actions that I can take from my side. Thank you.
|
| 04/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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Job # XXXX scheduled for XX/XX/2022 from XXXX XXXX, CA with XXXX XXXX XXXX FL. Amount charged as deposit was {$850.00}. Macy 's American Express Dispute # XXXX dated XX/XX/2022.
My household move was never confirmed by XXXX XXXX MXXXX dispatch because it never took place. The reason is that the dispatch agent who phoned me regarding the move was incoherent and confused operating out of the Florida office. There was a problem with slurred language so I was not able to understand her. I explained that I was having problems in my comprehension of what she was trying to say. There was a disconnection and we were not able to continue the conversation. She indicated that they were having 'phone problems '. There was no follow-up from their end.
My concern about her role in the organization is the potential for substance abuse. The moving company was contacted regarding my cancellation but their window for this is outside of the industry standard of " 7 days ''. Most movers indicate 48-72 hours because they can't technically confirm the move until that time. Additionally, the deposit amount posted is extremely high, higher than most, and they have a no-cancellation clause which they never explained during my conversation with the sales agent.
However, without properly vetting this group to safeguard the rights of the consumer, Macy 's American Express simply asked me to file a dispute and then sided with the moving company after I submitted my dispute twice. I was assured on two separate occasions with two separate employees working for XXXX XXXX that I would have no problem with this cancellation due to the unusual set of circumstances on the part of the moving company. The sales agent was working out of North Carolina but the moving company was out of Florida. I never received a copy of the contract and now I see that my name is misspelled. So I put together my case, complete with paperwork, showing that I never received a confirmation regarding a move responsible for my household items interstate. Through XXXX of the XXXX XXXXXXXX XXXX, Macy 's assured me that with the documents supporting their lack of operations involving pick-up, and their inability to confirm and perform the move- I should have 'no problem ' receiving my deposit back. The document provided by the movers, who do not provide copy to the consumer because they retract it after " DocuSign '', leaves the consumer helpless with no legal recourse or backing. I was left with no copy of the moving paperwork. Additionally, this move never took place because it was never confirmed. It was never confirmed because the moving agent in charge was under some kind of influence, rendering their work performance impossible to follow or comprehend. Their phone system was not working well so the confirmation of the move never took place. Yet this is the company that Macy 's American Express stands behind. Your credit card customers apparently are not placed enough in good faith.
Additionally, I believe the fact that XXXX XXXX should not be using this merchant as one of their customers. It's quite obvious they have not vetted this group properly and have passed the problem onto us. Macy 's has not done their due diligence in reviewing the financial and legal background of XXXX XXXX XXXX. For this reason, if my credit card is not restored full value in the amount of {$850.00}, I will have my account closed as soon as the balance is paid down, and never use XXXX XXXX again because ( 1 ) there is no consumer protection, ( 2 ) all cases are in favor of the merchant companies with no recourse on the part of the consumer in any case, ( 3 ) XXXX XXXX protects practices that are not representative of the 'industry standard ' upheld by other competitors offering equal or similar services, and ( 4 ) their dispute department is meaningless, partial, biased and works only in the most favorable interests of the merchant. The dispute department does nothing to protect the consumer. The fact that I have no copy of the moving contract should speak volumes and be the only information you need to know, that disappearing contracts under " DocuSign '' is on purpose for many reasons- neither you or I have a copy. Yet Macy 's American Express stands behind these business practices on a normal basis. For that reason, I can not continue my credit account in your name when you do not protect consumer rights.
|
| 04/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
We are writing regarding our Citi AAdvantage Platinum Select XXXX XXXX XXXX and what we believe was fraudulent and deceptive behavior by Citibank.
We had a Credit Limit of {$9000.00} On XX/XX/XXXX we made an electronic payment of {$5000.00}. Due to financial complications resulting from the XXXXOVID-19 pandemic the payment of {$5000.00} was returned.
At no point were we informed by Citibank that the aforementioned credit card was closed.
We dug ourselves out of our financial issues and called Citibank on XX/XX/XXXX in response to an email we received about making a payment. At this point our balance was {$15000.00} The issues begin with the XX/XX/XXXX call : On XX/XX/XXXX we spoke with a Citibank Representative and arranged to make a payment of {$6300.00} to be processed on 3/29/2021on the condition that once it cleared the account would be : 1. In good standing 2. Open 3. The card would be active ( meaning wed be able to use it ) We verified the above 3 conditions multiple times with the Citibank representative and they confirmed.
As a side note, I remember specifically giving the Citibank Representative I spoke with on XX/XX/XXXX an example of what my definition of open and usable was so there was no confusion.
We also agreed to setup automatic minimum payments.
On XX/XX/XXXX we received a message from Citibank confirming that we had enrolled in autopay - no where in this message does it state that the account is closed. In fact it reads as if the account is opened and in good standing.
On XX/XX/XXXX the payment in the amount of {$6300.00} processed, cleared our account and posted to Citibank.
And in fact based on what the Citibank representative confirmed on our XX/XX/XXXX call we made an additional payment on XX/XX/XXXX of {$4000.00}. We received an email from Citibank confirming this and again at no point did it state the account was closed, and again it reads as if the account is open.
On XX/XX/XXXX after we confirmed both payments ( {$6300.00} + {$4000.00} ) cleared with no issues, we checked our account to make sure the card was active - as the Citibank representative told us it would be. At this point we became worried and began calling Citibank.
We spent at least 4-5 hours and multiple phone calls on with different Citibank representatives, none of which could give us any direct answers. Finally, after poking around on the internet and in message boards we found a number for the Citibank XXXX XXXX XXXX.
We spoke with a very polite and helpful Citibank Representative in the XXXX XXXX XXXX who opened a case for us.
At this point I sent multiple emails following up and outlining what had transpired on the XX/XX/XXXX call.
We never once received an email response confirming receipt of emails. Everytime I would have to call and confirm receipt.
At some point we were assigned a woman by the name of XXXX XXXX with the Citibank XXXX XXXX unit.
After multiple emails and phone calls, XXXX called us back on XX/XX/XXXX.
On the XX/XX/XXXX call XXXX politely told me she listened to all our phone calls with Citibank especially the call in question that took place on XX/XX/XXXX. XXXX acknowledged/confirmed : That the Citibank Representative I spoke with on XX/XX/XXXX, stated multiple times when asked by me ( multiple times ) if by making the payment of {$6300.00} it would bring our account ; in good standing/current, open, and usable - the representative answered " Yes ''. She also acknowledged that in addition to answering " Yes '' the representative communicated to me in other ways that by making said payment the account would be in good standing, open, and usable.
We expressed to XXXX that Citibank should honor what they committed to : An open account, in good standing, and with a useable card.
While polite and understanding XXXX said there was nothing she could do. After we pressed her and explained we felt Citibanks behavior was deceptive ( We did not use the word fraudulent, although we believe it was ) XXXX offered us a {$150.00} statement credit, to which we declined.
On XX/XX/XXXX following the call with XXXX we sent a follow up email, confirming what transpired on our call. We called the XXXX XXXX XXXX on XX/XX/XXXX to confirm the email was received and forwarded to XXXX - this was confirmed.
We would greatly appreciate the CFPBs assistance with this matter.
Thank you very much in advance!
|
| 12/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I purchased a XXXX XXXX '' class XXXX XXXX XXXX uhd smart tizen tv order # XXXX from Best Buy on XX/XX/2021. I opt for the free delivery option for XX/XX/XXXX for the XXXX. Best Buy customer service called me on XX/XX/XXXX XXXX and said to me that the delivery had to be rescheduled due to the delivery driver being sick and therefore the delivery had to be rescheduled. this was not ok with me because I had taken the day off work to receive my delivery. we rescheduled for XX/XX/XXXX due to the fact I would be returning from a trip and I would be able to receive the delivery. Best Buy called me on XX/XX/XXXX XXXX saying that the delivery had to be rescheduled due to an inventory shortage/problem. I didn't understand because I paid for the TV and I had a dates set for delivery. I had to reschedule again. I receive a case number. I rescheduled for XX/XX/XXXX XXXX timeframe so I can try and get the delivery earlier in the day. I woke up at XXXX to go to work and to await for the delivery or a courtesy call from Best Buy. I work a flexible work schedule so I am able to make it back home to receive a delivery. Same day at XXXX I call Best Buy to inquire about my delivery. Representative said the driver could not find my address and I would have to reschedule. I told the rep I have been up since XXXX and I did not receive a call. the rep said they did indeed give a courtesy call. I looked at my call log and did see a missed call at XXXX and a message from the Best Buy delivery driver saying " hi this is best buy giving you a courtesy call to let you know you are our first delivery this morning and we will be there in XXXX minutes thank you. '' i told the rep this was unacceptable that was before the delivery window and super early so if they could find my address it was probably dark. also the driver did not give me a call when at my address to ask for directions or help. I asked the rep if they could come back the same day to make the delivery and I called the delivery driver since I had his number and the rep was very rude and said no I have to reschedule. I inquired about a compensation for the inconvenience he said I would have to wait until I receive the package before any type of compensation would be talked about. I had no choice but to reschedule for XX/XX/XXXX. I thought when I ended the call I had scheduled an appointment with the representative but as in previous rescheduling I didn't receive the confirmation text or email. so I went on the Best Buy app to confirm that my delivery had not been scheduled and I would have to reschedule myself. I receive a call from Best Buy XX/XX/XXXX XXXX the representative tells me that the delivery had to be rescheduled due to an inventory issue. I was very upset because I had a scheduled delivery for multiple days. I inquire again about a possible compensation and again did not receive any Information regarding the subject. we talked for XXXX minutes resulting with a rescheduling. this time I did not receive a text or email confirming the rescheduled date so I called back to reschedule. the representative was very reluctant to give me her name and I don't think I got the right name after asking her to spell it ( anz ). on XX/XX/XXXX XXXX I received a call from XXXX expressing her concerns and this time I inquired about a compensation she tells me that I already received a refund off the tv of {$260.00} I should see on my statement by Monday and I should be receiving a {$50.00} Best Buy gift card in the mail. I was happy to hear this because I was ready to cancel the order and go pick up another tv myself. I reschedule the delivery for XX/XX/XXXX and I get a call from Best Buy saying I had to reschedule due to the driver being sick but don't worry they could possibly get it out the next day but if not lets reschedule for XX/XX/XXXX. so I did. I did indeed receive the delivery the next day Monday. I checked my bank statements to see if I received my refund but I did not. I called XXXX at Best Buy to inquire about the situation and she seemed confused about why XXXX would tell me that I have already received a refund and should b receiving a gift card. so she said she issued a gift card to be sent to me in XXXX business days and but an inquiry about the refund for {$260.00}. it is now XX/XX/XXXX and I have yet to receive any compensation that was promised or heard from Best Buy on the situation.
|
| 02/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX & XX/XX/XXXX, there were a total of 3 fraudulent transactions charged to my Citibank credit card. One in the amount of {$2500.00}, one for {$2500.00}, and one for {$2500.00}. The grand sum of these charges amounts to {$7600.00}!
All three of these charges were close in amount charged, similar type of merchant, and all three from a square reader!! Much less, they were all completed on XXXX day and on XXXX Friday, while I was at home with my family celebrating the holidays. I was not out shopping, nor was I using this card on the internet. The square reader transactions all read from some type of auto repair store or transmission repair type store.
Upon the realization of these charges, I immediately notified my credit card bank, Citi, to report the fraudulent purchases. They have a tedious process of asking you repeatedly the same questions over and over ( like your birthday, or where you were, or if you own an XXXX, literally several times in the same conversation ). Most conversations end with " we will need to put this in for review. '' After many long and painstaking conversations with their customer service representatives, they decided I was not eligible to receive any type of victim protection reimbursement because I had admitted that I still had the card in my possession ( true ) but the merchant ( AKA the square reader merchant who is actually the thief ) used my card 's XXXX chip. They then threatened that if I did not pay this {$7600.00} they would be reporting me to the credit bureau!
This is when I sent a complaint to CFPB. This was initially working out well in my favor. Citi sent a response on XX/XX/XXXX to CFPB stating that because I was maintaining my transactions were unauthorized that they would apply PERMANENT credits in the total amount to my account! Citi had also explained to me over the phone that they saw a note in my account that was previously missed where a replacement card was mailed to my address two weeks prior to the fraudulent charges and activated without my knowledge. This must be how someone took a physical card to use a XXXX chip to use in a square reader!
Well, I now realize this must have just been a way for Citi to get a CFPB complaint off their list. Two days after my complaint was " closed '' in my favor, XXXX from Citibank 's XXXX XXXX department called me to " inform me they are reopening the case and that if I did not call her back within 10 to 15 business days to answer more questions in regards to this matter that they will have to conclude the investigation based on the information they have available which may result in the transactions being reversed back onto your account. '' They are claiming that they believe I am the one to have called in on XXXX XXXX to request the replacement card. So at this time, it must go back " for another review. '' What a cat and mouse game they are playing. It appears they make a final decision, that isn't really final.
I will attach my phone log provided by XXXX XXXX XXXX to this complaint. This is the log from my phone number which they state called in to make the request for the questionable replacement card on XXXX XXXX. I only have three phone calls for that day. None are for Citibank. I do not know where Citibank gets their information from, if they make it up, or what, but I am really upset they keep pointing an untrue finger in my direction.
I am in disbelief that a company would treat a long time customer this way. I have been a good and loyal customer with Citibank. I have never had an issue paying my bills or keeping up with my accounts. I currently have two credit card accounts with them that I will be closing immediately after this experience. I feel as though I have been treated with complete disrespect all because they do not want to eat the bill. They have lost the idea of what it means to have standards and values in how you treat your customers. I have been victimized and Citibank has not been there to help me resolve this issue. They have only added more stress with harassment and accusations. I am a senior citizen working past my prime on a limited income. I have to watch my every dollar and I will not let them push me to blow off {$7600.00}!
Going back on your word is just out right despicable! This is a large corporation and should consider their reputation when treating their customers this way.
|
| 08/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
It all started after enrollment on XX/XX/XXXX. I thought after confirmation I would be set to access my account and get my information. My nightmare began and never ended This is a formal complaint against Citi bank online banking services and CitiBanK banking. I have had issues from the time of signing up. I decided to join this financial institution. I received my bank approval email XX/XX/XXXX, and needed to get my account number to verify my account with my job for direct deposit. I call XXXX customer service line. I was advised there is a fraud alert on my account and I would need to go in to a banks branch in order to receive any details on my account. I was advise someone would follow up with me so I wont have this issue I just needed to answer some security questions. New account I assumed that was normal procedure so I obliged. The convenience of online customer service didnt apply to my account evidently. So I go in speak with a personal banker and ask is there some questions on my account that needs to be answered because I dont want to have to go into a branch every time I need to review any details about my account. He advised there was nothing on my account. I moved forward with this account I received my debit card and thought all was well I tried to activate it at home I was unable too. I was advised with online customer service that there was an alert on my account so they couldnt move forward with the call. I was baffled and confused The rep was snarky and rude as I was asking alternatives and advising her of what I was told by a personal banker at the Citibank branch on XXXX, XXXX XXXX, N.Y. I escalated the call to a team lead who was also rude. And offered no options. I then used the online banking chat system to try to receive some kind of resolve. I was given numbers to contact with reps who wouldnt continue call flow. I deposited a check and it was held I didnt know on new accounts they always hold the first check I just wanted information on that. Online chat rep adv me its on hold but would be released. I was appreciative. On XX/XX/XXXX I receive a fraud alert text that I had to reply to based on my transactions and I responded and retried transaction and eveythingis smooth sailing. Wrong I have automatic payments set up with XXXX they adv me my payment didnt go thru based on my account being frozen they advised I call the bank to try to resolve to keep me on track with my payment schedule XX/XX/XXXX. I call Citi online reps still advise me of this alert no options no help call disconnected. I go in to the Citi bank branch on XXXX XXXX in XXXX, NY. Sat with a personal banker and asked is there anything that needs to be updated on my account because Im tired of coming in for tedious inquiries about my account. I advised since XXXX has told me about this Ive called XXXX fraud dept who wouldnt speak to me a rep by the name XXXX adv he would not be disclosing any information and disconnected the call. I cried I dont know what to do how to think my bank card still works but I cant call in about my account bankers call a Citi hotline who also adv nothing is on my account they shared a screen, I asked will I have problems moving forward it was advised no. I go into the branch on XXXX XXXX XXXX to confirm nothing on my account needs updates I sat with the branch manager who again made a call to their in-house Citi hotline and both advised account is ok for use. XX/XX/XXXX I locked myself out of Citi acct app to check my statements and chat with reps. I call customer service for help XXXX adv security alert cant move forward after vigorous verification process to identify it was my account. I couldnt even be help and my online account is still locked as of today. Im confused and conflicted because Im being told nothing is wrong with my account yet online customer service doesnt review my account details with me over the phone due to this ALERT. Citi online banking chat offered me some sort of resolve. Branch reps over me quick solutions but nothing has brought complete resolve to this solution I need to be able to call in about my account. Receive updates, make changes, and receive assistance. None of the amenities of the account applies to me Im at the end of my ropes and dont know what else to do but to find another bank institution to help with my financial needs and provide the convenience of doing so.
|
| 11/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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In reviewing my AAdvantage miles account, I recently determined that I never received the promotional XXXX XXXX XXXX AAdvantage miles that I was promised when I opened a Citigold package checking account as a new Citibank account holder under Citibanks promotion. I am disturbed by this after so much time has elapsed, and after repeated representations made to me in the Promotion Disclosure offer I received ( attached ), and by the branch manager and customer service representatives as discussed below. I expect Citibank to do the right thing here, and to honor its obligations, especially to loyal Citibank customers such as myself that complied with the terms and conditions of the promotional offer received as contained in the Promotion Disclosure offer communication.
On XX/XX/2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. I funded the account with {$52000.00} initially. ( Note, I continue to be a loyal customer of Citibank since XX/XX/2016 and my balance remains in the {$50000.00} range. I have four Citibank credit cards. ) The Promotion Disclosure Offer I received promised an award of XXXX XXXX XXXX AAdvantage miles upon completion of the following : {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I attach a copy of the terms and conditions of the Promotion Disclosure Offer communication I personally received upon opening my Citigold account.
Upon funding my Citigold checking account on XX/XX/2016 at the Citibank branch, the branch banker advised me that I was indeed eligible and enrolled in the promotion as outlined in the Promotion Disclosure offer I received, and he walked me through the requirements, and he stated unequivocally that I would received the promotional XXXX miles after I comply with the Promotion Disclosures terms and conditions which he read to me in the branch. He gave me some tips on what to do to comply with the promotion. I told him that I was opening the account relying on the promotional offer and that if I was not eligible, then to please tell me as it was important to me. He reassured me that all was fine and that I was enrolled and eligible for the promotion. Some time after completing the requirements on XX/XX/2016 ( confirmed by reviewing my Citigold checking statements ), I called a customer service representative who confirmed that I was enrolled in the promotion and had met the requirements. Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by the end of XX/XX/2016. Again I was told not to worry, the miles would be automatically deposited in my account. I also confirmed the same with a customer service representative at my branch that I had satisfied the promotion requirements and would received the miles by the end of XXXX.
As of the date of this complaint, my AAdvantage miles have still not been deposited to my AAdvantage account, despite them having been promised by the end of XX/XX/2016. I note that the terms and condition of the offer state that " The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XX/XX/2016, which is ninety ( 90 ) calendar days from the date on which the requirements were completed ( XX/XX/2016 ).
Under the terms and conditions of the promotion ( as stated in the attached Promotion Disclosure offer ), I am eligible for the promotion : I am a Citi / AAdvantage credit card member who received the promotion disclosure communication, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank.
This is the first complaint I have ever had to file regarding a dispute with any bank or business. I am saddened because Citibank is my bank and I personally feel let down after completing my obligations. I seek an amicable resolution of this matter that can be easily achieved by Citibank honoring its obligations under the promotion by depositing XXXX XXXX AAdvantage miles into my AAdvantage account. Thank you for your consideration.
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| 10/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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|
Web |
Older American |
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I sent a check to LL Bean Master Card ( administered by Citibank ) to pay my credit card bill. My bank ( XXXX ) claims it paid the check ; Citibank claims it never received payment. XXXX has submitted what it considers proof of payment to Citibank, but Citi does not accept the proof. There are some complicating factors, all of which are known to both banks. Here is a summary : 1. On XX/XX/XXXX I wrote and mailed a paper check, # XXXX, for {$6000.00} to cover the entire amount owed on my LL Bean Master Card according to the account statement for XXXX, which I had received by mail a few days earlier.
2. Shortly thereafter I received an email saying my payment had been received. [ The email included the last 4 digits of a checking account which did not match the last 4 digits of the account on which the check had been written, but I did not notice this until fully opening the email at a later date. ] 3. On XX/XX/XXXX I received by mail an overdraft notice from XXXX. It was dated XX/XX/XXXX and was for check # XXXX. In the course of discussing this with XXXX that same day they noted that they had paid check # XXXX via an ACH transaction ( trace # XXXX ) on XX/XX/XXXX and removed the overdraft charge. [ XXXX later told me that Citibank had submitted the paper check on XX/XX/XXXX. My bank statement shows the check being paid on XX/XX/XXXX and reversed on XX/XX/XXXX, effective XX/XX/XXXX. XXXX provided me with a copy of the paper check. ] 4. After speaking with XXXX on XX/XX/XXXX I immediately called the customer service number for LL Bean Master Card. On XX/XX/XXXX Citibank called back to say that the matter had been resolved and I would be given a {$50.00} credit on my Master Card account for the trouble caused by Citibanks error.
5. The {$50.00} credit did in fact appear on my next ( XXXX ) Master Card statement, but so did a payment reversal for {$6000.00}, the amount of my check # XXXX ; both were dated XX/XX/XXXX. Immediately on receipt of this statement ( on XX/XX/XXXX ) I called the LL Bean Master Card customer service number again. I was referred to Citibanks Dispute and Management Office in Idaho and spoke to XXXX. Eventually I was referred to XXXX XXXX in Citis executive offices, who told me Citibank had no record of receiving the {$6000.00} payment. Later XXXX XXXX took over the case.
6. Also, I believe on XX/XX/XXXX, I contacted XXXX and was referred to XXXX XXXX in their executive offices. She opened case # XXXX and assured me that XXXX had paid the {$6000.00} check.
7. Throughout XXXX, XXXX, and into XXXX I had numerous phone conversations and XXXX faxed an assortment of documents to Citibank. These included a three-way conversation with Ms. XXXX, Ms. XXXX, and myself and another with Ms. XXXX, Ms. XXXX, and myself. My bank statements from XX/XX/XXXX through XX/XX/XXXX were faxed to Citibank, plus information on the XX/XX/XXXX ACH transaction in which XXXX says it paid my check # XXXX.
8. In a letter from Ms. XXXX dated XX/XX/XXXX I received for the first time details of Citibanks claim of not receiving payment. These were : a. On XX/XX/XXXX Citibank received my paper check and submitted if for electronic payment with the wrong checking account number, using a transmittal number ending in XXXX. XXXX rejected this due to the wrong checking account number.
b. Citi then submitted an electronic recreation using the correct checking account number, which Citi says XXXX rejected for insufficient funds. [ I have requested from Citibank but not yet received the date of this submission. ] c. Finally, Citibank says that on XX/XX/XXXX XXXX resubmitted the payment using the same transmittal number ending in XXXX and we rejected the payment because it was the same transmittal number from the first rejected attempt.
9. After leaving her a message about this XX/XX/XXXX letter Ms. XXXX left me a message repeating that XXXX records show that my check XXXX for {$6000.00} had in fact been paid ( as my bank statement continues to indicate ) and suggesting I file this complaint with the Consumer Protection Finance Bureau.
10. I have continued to pay all new charges on my LL Bean Master Card account each month. I have not paid either the {$6000.00} charge that remains on the account or the interest it is accruing since my bank says that amount has already been paid and the funds are no longer in my checking account.
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| 01/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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|
Web |
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On XX/XX/2022, I opened a new checking and savings account with CitiBank. I had another checking account with them already, but because my dad had opened that account, I couldn't do anything without his authorization, so I closed that one and opened a new one of my own. My dad is currently helping with my rent so around the XXXX of each month he sends me XXXX $ through XXXX and I send the rent amount ( XXXX $ ) to my Landlord. Because the account was new, I could not send more than XXXX $ through XXXX for at least the first 30 days. My rent was due on XX/XX/XXXX, and I always sent my money through XXXX to my Landlord. So, to avoid sending multiple payments to her, I decided to XXXX the money to my boyfriend so he could pay her for me ( My Landlord doesn't have XXXX ). So, I sent my boyfriend XXXX $ through XXXX on XXXX XXXX, 2022. The transaction went through, and he sent the money to my Landlord on XX/XX/, 2022.
A couple of days went by, and I noticed the money hadn't been pulled from my account, but I didn't think too much of it, given it was the holidays at that time. On XX/XX/XXXX, I received an email from XXXX saying the transaction was not paid by my CitiBank account because " account funds have been frozen. '' I immediately called Citi to clarify the transaction in case they suspected fraudulent activity. The representative I spoke with told me the block was put by the fraud department and that I should talk to them. I called the fraud department on the same day only to find out my account was under investigation, and they could not provide me with any additional information. I tried to explain to the representative that the transaction was done by myself, that I was paying for my rent, and that I also had a lot of evidence that showed the transaction was legit. She said they could do nothing at that time because the account was under investigation and hung up on me. The day after that, XX/XX/XXXX, I received an email from Citi saying my Citi accounts were going to be closed in 60 days because I had violated the terms of my account per the client manual. The email also said that if I believe the funds should be sent to me sooner than the expected closing date, I could call the number on the back of my ATM card or visit my local brunch. I was shocked. When I received this email, I was in XXXX visiting my family, so the fact they closed all of my accounts left me out of money for the remaining part of my trip. Also, I tried to explain to them I was paying for my rent and nothing else. On the same day I received this email, I called the Fraud department again to get a better explanation because stating I violated the terms of my account per the client manual seemed too vague. They said I was going to receive a letter with details as to why they had decided to close my accounts, a letter that I haven't receive until this date ( XX/XX/XXXX ). I read the client manual and understand Citi can close my accounts with or without reason. What I don't understand is why they need to take so long to close the account and send me my money back. I don't care about my accounts ; I only care about my money. I have bills to pay, and this situation has financially left me in a tough situation. On XX/XX/XXXX, after returning from XXXX, I visited my local branch at XXXX XXXX, XXXX ( As the email said ). The manager at the branch said there was nothing they could do since the Fraud department blocked my account, and they were the only ones who could unblock it. So, I did the second thing the email mentioned, which was calling the number on the back of my card, and again, no answers or solutions. At this point, I was very frustrated because I was following Citi 's instructions, which led to a dead end. On the same day, I called the Fraud department again to see if I could get my money sooner. Of course, they said there was nothing I could do except wait. I believe this whole situation is just unacceptable for a bank as big as Citibank. Closing my account for a transaction that does not exceed XXXX $ and that it's easily proved legit is just unacceptable. Not to mention making people wait 2 to 8 months to get their money back when some of us need it to live. I'm opening this case with hopes you can help me solve this issue as soon as possible, so I can get my money back. Any support you can offer is greatly appreciated. Thank you.
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| 07/11/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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|
Web |
Older American |
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Around XXXX XXXX, XXXX, i tried logging into my citi Bank account online and it showed my access was blocked, i called the customer service XXXX and their Representatives at the beginning didn't seem to actually know whats going on, i was made to change my password a couple of times but nothing worked. I waited for a couple of days later because i assumed it could be some online issues and hoping it will be fixed but things didnt change. I called again few days later and i was transferred to the fraud department and was told by them that my account account is been referred for closure and i'll get a check within 60 days after closure. they couldnt tell me the reason for the closure and they didnt send me any mail either to inform me. I had to call and find out myself what was going on with my account. I kept calling days after days and some of them will even hang up on me and refusing to tell me anything, i've made more than 100 calls to them about my account. Mean while during that period, i was receiving Emails every week about my account balance ( {$6000.00} ) but couldnt get access to my account online. On XXXX XX/XX/XXXX, i received an encrypted PDF message notification in my email from XXXX with a reference # XXXX, I had two messages from them both dated XXXX XX/XX/XXXX, I tried logging into my account online again and i was able to access it but my account status was showing as 'blocked ', i guess they were giving me an opportunity to access the secure message only which i did, the secure message is as follows ... ....
Date : XX/XX/XXXX XXXX Subject : Account Ending in XXXX Reference # XXXX Reference : XXXX Dear Client, As the focus of our business evolves, we periodically review customer accounts and assess the suitability of those relationships. We are writing to inform you that based on a recent review of you relationship with us we have determined that we are in need of an update or validation of our records regarding your account. We have attempted to contact you by phone, but unfortunately, we have been unable to reach you. It is critical that you contact me by XX/XX/XXXX. I can be reached directly at XXXX, XXXX XXXX XXXX between the hours of XXXX am and XXXXXXXX XXXX XXXX.Your banking relationship is important to us. If you have any questions regarding this matter or for any other assistance you can also contact our 24 hour CitiPhone Banking service at ( XXXX ) XXXX or ( XXXX ) XXXX ( Collect/ International ). Thank you in advance for your assistance and I look forward to speaking with you. Yours respectfully, Branch Services Support UnitCitibank, N.A.
So i called the number i was asked to call ( XXXX ) on XXXX XX/XX/XXXX and spoke to a guy, i cant remember his name, he made me confirm my account details and all the transactions which happened on the account, i was able to confirm it all and in the end he told me a check will be mailed to me within 60 days!!... That same day XXXX XX/XX/XXXX i tried chatting with a customer Rep online since my online access was opened but account was shown to be blocked, i explained everything to her and she said she was going to write a note attached to my account and gave me a number to call which was to the fraud department, i called them and they reviewed my account and told me its been closed and check will be mailed to me within 60 days!! I waited till On the XXXX of XX/XX/XXXX, i called to check again because i received nothing, no mail about my account closure, no sort of information at all from citi, then i tried calling customer care again and was referred to a lady in Texas, she said my account was closed and Check has been cut, i asked in i have to wait for 60 days again?? she Said no it will be less! That gave me a relief till today i have not seen my check or any Information from Citi and the last time i received an email about my account balance was on XXXX XX/XX/XXXX... I called them today XXXX XXXX, they kept referring me around deferent departments, others telling me account 's been referred for closure, others also tell me its closed and i always let them know i dont care if its closed, all i want is my check! Words cant describe how they've made me feel for over 7 months now. I really need my money thats all i want and i hope this will be resolved because i really have no words to explain how they've made me feel for all these months.
Thanks
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| 12/10/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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|
Web |
Older American |
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In XX/XX/XXXX I received a offer from Citibank on my Citi XXXX XXXX XXXX account page. The offer I received was for a bonus of up to {$2000.00} for opening an online checking account and maintaining a determined amount for a certain length of time, as copied below.
1. Open a new checking account in an eligible account package from XX/XX/XXXX to XX/XX/XXXX.
XXXX. XXXX XXXX Funds into your new checking account within 20 days of account opening. The balance on your XXXX day will determine your maximum eligible cash bonus.
XXXX. Maintain the required Minimum Balance in your eligible account for an additional 60 days from the XXXX day.
The bonus is based on the following amounts, as copied.
Simple steps to earn your Cash Bonus EARN {$200.00} MINIMUM DEPOSIT : {$10000.00} EARN {$500.00} MINIMUM DEPOSIT : {$30000.00} EARN {$1000.00} MINIMUM DEPOSIT : {$75000.00} EARN {$1500.00} MINIMUM DEPOSIT : {$200000.00} EARN {$2000.00} MINIMUM DEPOSIT : {$300000.00} I made my deposit on XXXX XXXX, XXXX and maintained the balance as required per the online sample page copied and pasted below.
XXXX XXXX XXXX DAY XXXX NEW ACCOUNT OPENED The day you opened an account in an eligible account package.
XXXX XXXX XXXX DAY XXXX FUND YOUR ACCOUNT Deposit New-to-Citibank Funds within 20 days of account opening. The balance on your XXXX day will determine your maximum eligible cash bonus. * XXXX XXXX XXXX DAY XXXX MAINTAIN YOUR BALANCE Maintain the required Minimum Balance in your eligible account for an additional 60 days from the XXXX day. ** After opening and funding the online checking account on XX/XX/XXXX I saw no evidence on my account page of a bonus attached to the account. I called Citibank two times within the first two weeks of opening the account to make sure it was opened correctly and that I would receive the bonus following the maturity date of XXXX XXXX, XXXX. During both conversations with Citibank representatives I was assured that everything looked good and I could expect the bonus within 30 days after the maturity date of XXXX.
I maintained the required amount to assure the bonus from XX/XX/XXXX through the maturity date of XX/XX/XXXX and then again called Citibank on XX/XX/XXXX to enquire about the bonus and to see if it was okay to transfer some of the ballance into my savings account at that time. I was told that since the required bonus time had passed that I could transfer money out of the checking account with no effect on the bonus, as long as I kept some money in the checking account to keep it active. I was then given a case reference number that I could call and refer to if I had not received the bonus within 30 days following the maturity date. ( Approx. XX/XX/XXXX ) Today on XX/XX/XXXX I received a message attached to my online checking account stating that my checking account was not eligible for the bonus program. I then called Citibank and spoke to a representative. I gave him my account reference number and after putting me on hold for an extended period he returned to tell me that my checking account wasn't eligible for the bonus because the bonus was coded for invitation only. He said if I had a letter of invitation that I could submit for proof of invitation then I would be eligible for the bonus. I explained that I had not gone searching for the bonus, that it was sent to me on my Citi credit card page, and of course I don't have a copy of it. I also told him that I had talked to two seperate representatives shortly after opening the account and was assured that everything was opened correctly to receive the bonus as advertised. I also stated that anyone with half a brain can tell by looking at my checking account, that since only one deposit was made on XX/XX/XXXX and no withdrawals or other activity was conducted until XX/XX/XXXX, it is very obvious that I only opened the checking account to earn the offered bonus money.
The representative was not helpful, but said he would pass along the information that I gave him about the online offer I received on my credit card page.
At this point I have little if any hope that Citi will uphold their end of the bonus agreement. I have been a Citi Double Cash credit card user for approximately 8 years, but I will be closing my Citibank checking and savings accounts promptly due to the loss of all confidence and respect for Citibank Corporation.
|
| 08/20/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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On Friday, XX/XX/XXXX, I was the victim of a fraudulent scheme in which an imposter claiming to be a Citibank representative drained both my savings and my checking accounts of my life savings, {$50000.00}. She was pretending to flag suspicious activity on my debit card. She made six unauthorized fraudulent wire transfers from my savings account to four beneficiary banks. There were also four unauthorized fraudulent XXXX transactions sent from my checking account.
I immediately called Citibank moments after hanging up the call, when I realized I had been scammed. Citibank has been unresponsive, unhelpful, unprofessional, demonstrating no sense of urgency or empathy. They seem to be indifferent to an emergency situation because with wire transfers, time is of the essence to stop or recall them.
I have been on the phone with Citibank virtually nonstop since this occurred. I have called them dozens and dozens of times. Whenever I was put on hold and a call was disconnected, I had to call back and re-explain the entire situation to a new representative. When I asked why they never call me back, they said they are not allowed to make outgoing calls. Their representatives have not been able to answer questions, they have engaged in stonewalling me, they have yet to connect me with the proper personnel for this problem.
Citibank told me on Friday that XXXX recalls were to be issued for the six wire transfers, and I was given a case number. However, since then, we have had no confirmation that the recalls were made, Citibank has never contacted me back with any updates, they have left me in the dark as to what procedures they are undergoing and the status of this theft. None of the Citibank representatives I've spoken to have known what a recall is -- in fact, several asked me to explain to them what it is.
Multiple Citibank representatives told me to call their wire transfer department on Saturday because it was open from XXXX XXXX XXXX XXXX XXXX However, that was not true. When I called, a recording said they were open Monday through Friday. Thus, I had to inform multiple Citibank reps of their own company 's operating hours. Then they repeatedly told me I would just have to call back on Monday, ignoring the urgency of wire transfer fraud. Their contention seems to be that fraud only occurs during business hours Monday through Friday. They were giving the criminals a head start. They refused to connect me with anyone who had expertise. Even on the fraud prevention number, they had no knowledge of the details of my case nor how to manage an ongoing incident of fraud. The criminals seemed to have more expertise than actual Citibank employees.
It is hard to describe how absurd this experience has been, trying to communicate with one of the largest financial institutions in the world, which seems to have no protocol in place for responding to fraud.
This flurry of wire transfers of large sums completely draining my savings and checking accounts was abnormal, atypical activity. Why wasnt this flagged and halted? Why wasnt this blocked? I have never made a wire transfer. I rarely withdraw money from this account. Why would a customer drain their entire life savings in the course of a couple hours on a Friday XXXX without requesting that their account be closed? Why would I leave XXXX dollars in my savings account and risk being penalized for not having Citibank 's required minimum of {$1500.00} in the account? Why would I transfer large and similar sums to four different banks and four different people? The whole thing reeked of fraud. Citibanks reaction : Slow and clumsy. No one seems to know what to do.
Theft from a major bank that does not seem to know how to stop it? Unacceptable.
The person posing as a Citibank representative called and texted from authorized, official Citibank phone numbers, which I later confirmed with Citibank, and which they even had me call. She hacked into my account.
The incredible absence of fraud prevention and the lack of assistance from Citibank can only lead me to conclude that they have been negligent in their response to this customer.
Please contact me for further information. Thank you for reviewing my case. All the money I earned is gone. I'm not sure how to move forward. I have heard from various people that CFPB has helped consumers recover their stolen money.
|
| 10/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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I reported a fraudulent and unauthorized purchase of my Citibank debit card for the amount of {$1300.00} on XX/XX/XXXX. The unauthorized purchase was made through bestbuy.com on XX/XX/XXXX ( which was two days before I reported the incident to Citibank ). I have been appealing to Citibank to return my stolen money on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I called them to ask for an update, I was given various responses by various personnel such as " Citibank will not return my stolen money " to " They are processing my appeal and that I needed to wait for a letter in the mail from them ''. Six months passed, my stolen money is not returned, On XX/XX/XXXX, I called Citibank again and I was told again that " The case is 'resolved ' and that Cit
ibank is not returning my stolen money. I was told that Citibank Fraud Department will investigate on th
e matter and that they will let me know the result in a week or so. Three days after, I received a letter that the investigation was done and the 'resolution ' was that I was responsible for the stolen money. Hence, Citibank was not returning my money.
I called Citibank to ask why they came up with that 'resolution ' and I was told I can apply for an appeal for my case and send it to this email : XXXX and mail a copy to : Citibank N.A.. Attn : Debit Card BDU. XXXX XXXX XXXX. XXXX XXXX, SD XXXX I was also told that I should send a police report. And so, I reported the fraudulent activity to the XXXX police station in XXXX, NJ on XX/XX/XXXX. I have also reported identity case to FTC on XX/XX/XXXX. The police report and the ID Theft report from FTC were sent to Citibank on XX/XX/XXXX.
Six months passed since I first reported the unauthorized usage of my debit card resulting to loss of my money on my checking account, Citibank has not returned my money. I have spoken with many Citibank personnel more than a dozen times in various days from their Customer Relations and Fraud departments ( including two managers ) and I have gotten various replies which range from " The case is resolved. You ( the cusomer ) are responsible for the stolen money on your checking account '' to " We will elevate the issue to be reviewed '' - but never got a follow-up on this thru phone call, email or mail.
After submitting all the pertinent information to Citibank thru mail and email, I received a letter from Citibank on XX/XX/XXXX which stated instructions that I must send all necessary information such as amount of stolen money, date and merchant. The letter also stated that the information I provided was " not sufficient ''. This was a big surprise to me because I already sent all documents three times ( i.e. police report, FTC report and letter ). The letter also stated that I must send them a bank statement. And so I sent all these requested information even though Citibank must have all these information after all the mail and emails i have sent and phone conversations i had done with them from XX/XX/XXXX to XX/XX/XXXX. As for the bank statement, they should have access to my bank statement as they are the bank. T. Nevertheless, I printed a copy and sent it to them anyway, Two weeks later, I got the same letter as if they never received the information at all. So, I put together the same documents ( police report, FTC report, bank statement and a letter that details all important information such as amount stolen, date of incident and merchant. Two weeks after I sent the mail, I received the same letter from Citibank asking for the same documents.
I am aware of the Electronic Fund Transfer Act which says that I am not responsible for any unauthorized transaction. I reported the incident on the day I found out about it.
https : //www.consumer.ftc.gov/articles/0213-lost-or-stolen-credit-atm-and-debit-cards Citibank is clearly violating the law according to the consumer.ftc. gov. They say I am liable to my stolen money. When in fact, I was at home when my debit card was used by someone whom I do not know to purchase a merchandise at bestbuy.com. The item was picked up by the thief at a bestbuy store, as I found out from a Best Buy customer service representative. My money should have been safe in my checking account with Citibank. It is not my fault that money was stolen from me when I had my debit card secured in my wallet in my home during lockdown.
|
| 08/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
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On XX/XX/XXXX, I purchased XXXX money orders at a local merchant, issued through XXXX XXXX, for {$500.00} each for a total of {$1000.00} to send as a payment to an active credit card account with Citibank. I sent them to the payment address for an Ohio Citibank office listed on the official Citibank website. I continued to monitor my account during the two weeks that followed and noticed that my payment of {$1000.00} had not been posted to my account and applied toward my total balance. I called Citibank Customer Service on XX/XX/XXXX, to address my concern. After a period of searching with no results, I was told by the Citibank representative that a payment investigation would be opened for my account and that my account would receive a conditional credit while the matter was being looked into. I informed the representative that I sent the payment to the Ohio payment address that was listed on the Citibank website. She proceeded to inform me that the Ohio address was no longer valid and that they have since moved from that location. She said to wait 2-3 days to see if my payment of {$1000.00} would be forwarded to the current location and that she would sent information to me that required me to send a copy of my money order receipts as proof of payment. I waited but nothing was posted to my account. I immediately sent a copy of my money order receipts to Citibank in the envelope provided in the letter sent to me about the payment investigation on XX/XX/XXXX. I called the Customer Service number listed on XXXX XXXX money orders to inquire about the XXXX money orders I had previously purchased for {$500.00} each. The XXXX XXXX automated system had informed me that both of my money orders that were sent to Citibank had been cashed on XX/XX/XXXX. I then contacted someone with Citibank through the online chat option on their website. I was told that an investigation was being conducted and that if " they needed information from me, that I would be contacted ''. I was never contacted by Citibank and proceeded to wait for my {$1000.00} payment to post to my account since I had knowledge of the XXXX money orders being cashed. I called Citibank on XX/XX/XXXX, and requested that a supervisor reach out to me. I was told that a request was put in and that a supervisor would call me within 24 hours. No one called to address my concern. I then called onXX/XX/XXXX, to express my frustration and to inform them that I was never contacted by a supervisor. The supervisor that I spoke with seemingly made it out to be a mistake that I had made with my handwriting or that " sometimes these things happen ''. I refuse to believe that someone could misplace {$1000.00} when I have sent multiple payments of {$90.00} which have been applied to my account without issue. I received a call approximately two hours after reaching out to Citibank by a separate supervisor. I remained on hold for almost an hour while she made several attempts to locate my missing money orders through account information and by requesting the specific money order tracking numbers. After searching with no results, she apologized and offered a {$50.00} credit to my account to attempt to compensate for my wait time and the inconvenience this entire process has caused. She also informed me that they still had not received the information I had mailed in as proof of payment and requested that I send it again, only this time to fax it to their payment investigations office. I mailed a request for a photo copy of each money order from XXXX XXXX that cost me {$15.00} each and am currently waiting for a response from XXXX XXXX so that I can then send this information to Citibank. I received a letter from Citibank today stating that they reversed the conditional credit of {$500.00} that was applied to my account previously and that if I can not provide a photo copy of the original money orders totaling {$1000.00} that there was nothing further they could do. These money orders were written to Citibank and were cashed by someone with Citibank. No one has given me an answer as to why my payment of {$1000.00} has not posted to my account or where it may be. The information I have as of right now is that XXXX XXXX said that the money orders were both cashed and that a supervisor from Citibank said that " sometimes these things happen ''. You do n't just lose {$1000.00}.
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| 03/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Sent a payment to Citi on XXXX in the amount of {$3200.00} in accordance to UCC 3-603/3-311/3-111/3-501/3-113/3-309, 22 CFR 23.2 in the form of remittance, tendered or coupon payment. Citi l received the payment on XXXX at their address XXXX XXXX XXXX XXXX AZ XXXX. Furthermore Citi used my open ended credit plan in accordance to 16 C.F.R. 433.3 ( b ) ( 2 ) to furnish this account which furthermore proves they did not extend credit to me in regard to this alleged debt and account. Pursuant 12 CFR 1026.13 - Billing error resolution I XXXX XXXX dispute and paid account number ending in XXXX in the amount of {$3200.00} have submitted correspondence to Citi to rectify this matter and it has yet to be resolved. I also made a payment for account number ending in XXXX in the amount of {$5200.00} in accordance to UCC 3-603/3-311/3-111/3-501/3-113/3-309, 22 CFR 23.2 in the form of remittance, tendered or coupon payment. Citi l received the payment on XXXX at their address XXXX XXXX XXXX XXXX AZ XXXX on XXXX. Please furnish documentary evidence in accord with 15 U.S. Code 44 of record of accounts where Citi awarded me XXXX XXXX with any payment pertaining to this alleged debt. They did not the used my social security card to credit this account. Pursuant 15 U.S. Code 1692e ( 2 ) false character, amount, or legal status of any debt. Notice it is fact that I the affiant am aware that the false character of the amount of in debt is a violation of U.S Code 1692e ( 2 ) ( a ). Affiant has proof of this violation as Citi allege I owe a debt, yet the account shows the billing in a positive amount. How can I pay into an account which is already positive? This is in accordance to TILA Regulation. Pursuant 18 U.S. Code 8 Obligation or other security of the United States Notice in fact that affiant is aware that all obligation of debt is the responsibility of the United States. Pursuant 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption. 31 U.S. Code 5103- Legal tender. 31 U.S. Code 3123 - Payment of obligations and interest on the public debt. 31 U.S. Code 5118 - Gold clauses and consent to sue, Public Law 73:10. HJR 192-1933. This account is credited and funded using my open end credit plan and all funds are to be credited in accordance to TILA Regulations and all UUC Codes and US Codes referenced in this complaint. Pursuant 12 U.S. Code 5562 ( c ) ( 10 ) money audit trial production of document material Notice, it is fact affiant is aware the consumer has the right to request the money audit trail. I am requesting this documentary material in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) to address this subject matter, without this documentary evidence there can be no validation of said debt. Pursuant 12 U.S. Code 1831n ( 2 ) ( A ) GAAP audit trial Accounting and Insurance Notice, it is fact affiant is aware the consumer has the right to request the GAAP audit trail in accordance with 12 U.S. Code 1831n ( 2 ) ( A ) and without this documentary evidence to properly address this subject matter there can be no validation of said debt. Pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) A contract which includes a waiver, condition, or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 16 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the affect of limiting a consumer such as I XXXX XXXX the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Please adjust this account to a zero balance, This also serves as demand to not close, suspended, terminate and or freeze my account in any manner. you have 5 days after receiving this correspondence to rectify the matter on this account. They said the account was sent up to management for them to review and correct the account it has yet to be done.
The tracking number on the certified mail are as follows.
Account ending in XXXX - XXXX via USPS Account ending in XXXX - XXXX via USPS
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| 03/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Add-on products and services
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Web |
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In XXXX, before I went to college, my mother encouraged me to take the first step in building my credit, so, at the time, I applied for a Citibank XXXX XXXX card for college students and was subsequently approved. The agreement was that we'd use the card to purchase some necessities for school and pay the bill monthly. Naturally we initiated autopay and never looked back. In XXXX, due to fraudulent activity on my banking account, I had my account number changed, card numbers changed, and re established autopay with the new information. In XXXX of XXXX, I began to notice the amount of money being paid monthly didn't reflect in the overall balance. As a result, I looked into the situation further, going through my statements, only to find an illegal provision placed on my account under the name of PAYMENT SAFEGUARD. Naturally, I called customer service immediately. I asked them to explain to me how this program was placed on my account and they were unable to give me a direct answer. Citibank had no proof of my enrollment and couldn't verify where or how the provision was implemented into my account. I was told this provision has been active since XXXX. I explained that I felt completely taking advantage of and unsafe as a customer considering this was done with out my consent. The representative transferred me several times, attempting to put the accountability on PAYMENT SAFEGUARD and vice versa. I ended up speaking to a manager who removed the provision from my account and submitted a claim to the fraud department and explained that it takes 30 days to receive a response after a claim is submitted. During the waiting period, I discovered CFPB 's File No. XXXX exposing these unlawful practices and ordering Citibank to refund its customers. After 30 days I received a letter saying that I would not be entitled to any refund because they were unable to verify whether or not I signed up for this debt monitoring/protection service. I immediately called and presented the CFPB case to them along with the simple fact that because they can not find proof is proof within itself that I, in fact, did not authorize this program on my account. After transferring me several times, the representative, explained that they can escalate the claim and that it would take an additional 30 day waiting period before I hear a response. Naturally frustrated, I agreed and appealed. Now in XX/XX/XXXX, after over 30 days, I called to inquire about the missing correspondence. The representative apologized and transferred me several times. I was eventually told that the only way I can get a response is if I submit a written letter via fax to the disputes department. Immediately I decided to write the letter and send it. They gave me the wrong fax number so I had to call back and get a new fax number to the disputes department. After a month, I hadn't heard back so I called to follow up and inquire about the fax and was told that it was submitted and is being reviewed and that there was no way to communicate with the disputes department and that I'd have to wait until someone reaches out to me. Eventually, I was contacted by the agent who explained that the case was being reviewed by her directly and that she would contact me in 2 weeks regarding their decision. After 2 weeks she called and explained that because they were unable to find proof of any call or correspondence indicating that I authorized this provision that they couldn't do anything for me and that because I didn't know the provision was on my account for so long, that I am not entitled to a refund. After admitting that they didn't have evidence, I asked if she could send me information confirming her statement and she told me I'd need a subpoena. After questioning why I didn't know the illegal provision was added to my account, she offered to refund the last 3 months of money illegally syphoned from my account only. I respectfully declined. Her solution was not feasible for me. Considering that I was illegally enrolled into this program, I felt Citibank should be held accountable and should make me whole after this entire fiasco. She declined to do any more than what she offered and ended our conversation. I have not had any further communication with Citibank regarding the matter and I need help addressing this situation to come to a proper solution agreeable to me.
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| 03/31/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I opened a checking and a savings account with Citibank XXXX on XX/XX/2021 to take advantage of the special bonus for qualifying balance.
I deposited the {$500.00} to the checking account and {$15000.00} to the savings account from my main bank electronically on XX/XX/2021.
On XX/XX/2021, I received a notification from USPS of my incoming mail with pictures of the actual envelopes. XXXX of the mails are from Citibank, XXXX looks like an envelope containing the debit card and the other with the temporary pin.
On XX/XX/2021, I collected the mail and found that the XXXX envelops from Citibank were missing so I called the customer service at XXXX XXXX XXXX and reported this issue to the customer service representative. The customer service representative said that she can not trace the mail and that there is nothing she can do. She transferred me to the new accounts department and I requested that they close the accounts. The representative confirmed that the accounts were closed and that I will receive a check for the {$15000.00} within XXXX business days.
On XX/XX/2021, XXXX XXXX XXXX I received a Fraud text alert from Citibank about a {$660.00} charge at a XXXX XXXX. The text asked to respond yes/no to the charge, I responded NO. I called and reported the fraud and was informed of another charge for {$2700.00} at a XXXX XXXX XXXX. I went through the process of disputing the charge. I mentioned that I never received the debit card and pin and to immediately freeze the account and including the online access. The representative said the he froze the account and that I will not be responsible for the unauthorized charges.
On XX/XX/2021, XXXX XXXX XXXX I called the customer service line to follow up and inquire about why the account was not closed as requested on XX/XX/2021. The customer service agent confirmed that the account was not closed immediately, instead a request to close was processed. Therefore the charges were made. I repeated again that I requested an immediate closure which could have prevented the unauthorized charges.
On XX/XX/2021, XXXX XXXX XXXX I called the toll free number and asked for an update and informed that it is still under investigation. I explained the whole situation to the agent and to notate this time. I asked for a follow up call from a supervisor and she said I will get a call.
On XX/XX/2021, XXXX XXXX I called the toll free number after receiving a letter from Citibank notifying me about the results of their research. The letter stated that the {$2700.00} was made from the card and pin. I was told that my account is closed and I was refunded the sum of {$3000.00} and some change. I asked how my checking account had over {$500.00} and was told that there is {$8000.00} and change in my Savings account. I asked to be transferred to the dispute department and the direct line, They gave me XXXX XXXX XXXX. The phone never connected so I called the number and it is a fax number. I called the customer service and she said my account is locked and I need to call again. I called again and was never successfully transferred to the dispute line.
I looked online for the dispute line. I called at XXXX XXXX XXXX and inquired about the case. I asked to reopen the dispute. She asked me for for additional information and to send the email from USPS to an incorrect email address. I attempted to send the email was returned.
On XX/XX/2021, I called the Frauds Department to file a dispute regarding a {$200.00} cash withdrawal from an ATM dated XX/XX/2021. After receiving an itemized statement from Citibank. Dispute Reference # XXXX On XX/XX/2021, XXXX denied the request for XXXX claiming that the transaction was done using the debit card.
On XX/XX/2021, Citibank issued a refund of XXXX after I filed a complain with CFPB. I received the check for the disputed amount within 10 days.
Police report Case # XXXX XXXX Police Department XXXX XXXX XXXX XXXX I want to report report Citibank for their negligence. They need to refund me the remainder of my initial deposit XXXX {$200.00} XXXX. They did not do a thorough investigation. Instead just looked at the obvious- using the card and pin excuse. They should not have sent the card and pin on the same day together. They should have closed the account immediately as requested. The should follow consumer protection guidelines.
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| 06/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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This is the 3rd Credit Card of XXXX XXXX XXXX I am writing about because all these people have all forms of XXXX XXXX XXXX using my " MULTIPLE ADDRESSES '' and these CEOs let them. I am unsure which addresses these people cunningly re-direct my mail to for so many years. This applies all the XXXX XXXX XXXX.
CEOs of the XXXX XXXX card company refused to close all accounts that links to my name and Social Security Numbers since year XXXX. I can prove it, please see attached. For the last 8-9 years, my sibblings and their friends ILLEGALLY use my Social Security numbers to commit Credit Card Frauds especially XXXX XXXX cards and Mail Thefts. They refused to pay the bills and insisted on saying the Credit Cards are not under their name. I found out from the court house that XXXX XXXX card company did tried to sue me however I did NOT receive any subpoenas because my sibblings and their friends committed Mail Thefts and Mail Frauds. I do NOT know who impostered me that day in court. But the case was Dismissed without prejudice. And from what I heard from my sibblings, an ILLEGAL deal was made to put me in debts that don't belong to me and to put my Elderly parents in debts as well. CEOs of the XXXX XXXX card company " created, printed out and ILLEGALLY distribute physical XXXX XXXX Credit Cards in suspicious NUMEROUS AMOUNTS for 2 specific companies to pay for their daily breakfast, dinners in XXXX XXXX, CA etc. These people SCHEMED to expect me to be responsible for their bills especially when they FALSIFIED me to be a " Philanthropist '' and even continues when they put me homeless in year XXXX. I have lived in several homeless shelters using their assigned IDs and experienced ALOT. I am NOT homeless nor live in shelters anymore. But that does NOT give any CEOs nor anyone especially my sibblings, their friends and specific companies to use me nor put me in debts out of SCHEMING, BELITTLEMENTS and BULLYINGS. My parents and I do NOT qualify to have any XXXX XXXX card applications to be approved for the last 5 years. CEOs of XXXX XXXX Card company and all these people took advantage of me and my parents for so many years. I have attached proofs that my application was declined. My Elderly XXXX XXXX XXXX father who has XXXX XXXX and XXXX in XXXX XXXX XXXX and already moved from a 2 bedroom apartment to a single room with his wife has Identity Theft problems for 22-23 years without knowing and did NOT know his credit score do NOT qualify to have any Credit Cards especially XXXX XXXX card application to be approved. Personally these CEOs needs to be investigated for such BULLYING and BELITTLEMENTS for the last 8 years. They ruined our lives!!!!! I need XXXX XXXX card company to CLOSE all accounts that link to the SOCIAL SECURITY NUMBERS of my parents and I PERMANENTLY and FLAG our names, POSSIBLE ALIAS NAMES these people have been using and information from being used by XXXX XXXX card company PERMANENTLY. I am a VERY HEALTHY person since the beginning and I did NOT give anyone permission to use me NOR my parents for so many years!!!!! WE ARE NOT PHILANTHROPISTS AT ALL. Because of years of Bullying and BELITTLEMENTS and allowing all these people to Bully and to Belittle my parents and I by putting us in OBSCENE DEBTS, I need the CEOs and the XXXX XXXX card company to send me all the statements in details of the last 8 years or so that link to my Social Security Numbers and my parents ' SOCIAL SECURITY NUMBERS WITHOUT the CEOs of the XXXX XXXX card company acting SLICK and SHADY by giving what I requested to my sister nor to her XXXX XXXX. who falsified on ILLEGAL contracts nor to this ILLEGAL Immigrant XXXX XXXX XXXX nor to XXXX XXXX who both imposter me for years who FALSIFIED permission. And I want all the XXXX XXXX card company debts that linked to my ELDERLY parents ' and my SOCIAL SECURITY NUMBERS to show up in our CREDIT REPORTS in details for the last 8 years or more even if the debts got balanced transferred or closed as DOCUMENTATIONS. I need to know " where and who '' the debts got transfer to so I can CONFRONT them in courts Individually. I know I did NOT meet any XXXX XXXX card CEOs in my entire life NOR did I ever anger them. This BULLYING, BELITTLEMENTS and SCHEMING needs to end PERMANENTLY with financial compensations DIRECTLY to my parents and I. I would hope XXXX will punish all BULLIES.
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| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX, XXXX and XXXX is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave XXXX, XXXX and XXXX consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. XXXX, XXXX and XXXX Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States , or the District of Columbia , from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; XXXX, XXXX and XXXX has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; XXXX, XXXX and XXXX is in violation of 15 U.S. Code 1692d - Harassment or abuseA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. XXXX, XXXX and XXXX engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. XXXX, XXXX and XXXX is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
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| 02/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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I want to submit a complaint about Citibanks unwarranted delay my domestic wire transfer. The transfer amount was completed at a branch of Citi on XXXX, but Citi has not released it until today XX/XX/XXXX, without any reason.
My husband and I have a joint account at Citibank, On XXXX XXXX, my husband went to the XXXX XXXX Branch of Citi located at XXXX XXXX XXXXXXXX XXXX XXXX DC, and got help from a staff XXXX XXXX to complete a wire transfer. The amount was {$100000.00} and Citi charged {$35.00} for the wire bank fee. My husband also provided XXXX Call Notice because the purpose of this transaction was for an investment to a company located in NJ.
Generally the domestic wire transfer only needs 30 min to get to the recipient 's account.
On XXXX XXXX the recipient told me the money hadnt arrived, so my husband made phone calls to XXXX XXXX and asked him to figure out the issue. On the final call, he told him that the delay was because of screening, but the screening was concluded and the money would be released on that day ( XXXX XXXX ) or by tomorrow ( XXXX XXXX ).
However, the money wasnt released during that weekend. Today, XX/XX/XXXX, three weeks later, Citi still hasnt released our money. Even our request to cancel the transaction and get our money back has been delayed and no deadline has been given to us.
Since XXXX XXXX, we have contacted Citi through the branch manager XXXX XXXX XXXX and the staff XXXX XXXX time and time again, including going to the branch have talked with them in person, making several calls inquiring the update, and writing two emails to XXXX XXXX. Citi didnt respond any more, and refused to give us any reason, either didnt ask us to provide additional information, just told us they were working on this.
On XXXX XXXX, ten days later, after my husband sent his second email, the operation officer XXXX XXXX XXXX ( phone number XXXX ) gave a phone call back. The only explanation she gave is that we can not do business through the personal account.
At this point, my husband response her includes two points. First, the money in our personal account is not directly used to do business like operating a factory or a restaurant. The wire transfer was just for investment, I dont think I should do this by establishing a business account at Citi XXXX Second, the more important thing is if that were the real reason, why hadnt Citi told us earlier? In the beginning, we made it very clear to XXXX XXXX that the money was transferred for investment. We also provided the capital call information to Citi. Why has Citi been holding money for such a long time? Why is Citi still answering our inquiries by saying the wire is under review?
XXXX XXXX XXXX didnt give us a satisfactory explanation for our response, and since XXXX is not our mother language, we asked her to arrange for an interpreter or a Citi staff who can speak XXXX to give us a call.
On XXXX, around XXXX, my husband received another call from a madam who can speak XXXX and said she was from a branch of Citi in Maryland. She just listened to his description of the whole thing and requests as well. She promised that she would make a report and would deal with the issue as soon as possible.
However, on XXXX XXXX, after XXXXXXXX XXXX Day, nothing happened. No feedback, no calls, and none of my calls were answered. I went to the XXXX XXXX branch again and told XXXX XXXX, who was also very surprised to hear that the money hadnt been released, to help resolve this issue right at the office. He made a call to the wire team, the only answer was the money was under review, with no deadline for how long it would take. What is even more absurd is that the request for canceling the wire transfer and returning my money back was also refused.
XXXX XXXX reported to his area manager, noted all our connect information such as emails, phone call numbers for both of us, promised his boss would feedback me soon.
Still no feedback, no answers, till today, till now.
We are extremely outraged. We have never experienced a bank service like this anywhere. Citi is simply only a bank, not a law enforcement agency. It does not have the right to hold our money for such a long time without any written explanation or any understandable and acceptable explanation. It does not have the right to refuse our request for canceling the wire.
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| 05/30/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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I opened an account 0n XX/XX/XXXX and the banker promised 1 % promotion rate. I deposited {$90000.00}. In XX/XX/XXXX, I found the bank did not give that rate, I went to the branch. The banker and the branch manager checked the account carefully and made notes on their computers and told me clearly that everything was good and I'll get the 1 % rate after 90 days ( from XX/XX/XXXX ). They asked to keep the money there and I did it.
In XX/XX/XXXX. and XX/XX/XXXX, I emailed the banker and he emailed to me many times that I'll get the bonus after XX/XX/XXXX. But after XX/XX/XXXX, I did not received the bonus.
I emailed the banker on XX/XX/XXXX. He refused to pay. I emailed him and demanded him to fix it because he caused me heavy loss. I could put money in other bank if they had not asked me to keep money there and waited 90 days.
But he never replied to me ( see attached emails for details, 6 pages ).
I then wrote to the branch manager, on XX/XX/XXXX, asking him to correct banker 's wrongdoings ( ( see attached letter, 1 page ). He received the letter but he never gave me an answer. He never replied my calls. He never took any action to correct banker wrongdoings.
I did exactly what the banker asked me to do. I didn't understand why after holding my money for three months then they refused to pay. They know everything they did and what they told me.They just cheated client. Their actions clearly indicated that they knew they did wrong things and did not want to face facts. But facts matter.
I then called Citi customer service center ( XXXX ). They told me they didn't understand why the branch cheated me and they left messages asking the branch manager to respond to me. The manger never responded to me. I called the customer service center many times and later they suggested I escalate to the Retail Bank Executive Response Unit, in Texas.
I then wrote to that Unit on XX/XX/XXXX ( see attached letter for details, 2 pages ) asking them to correct the branch 's wrongdoings. I received their letter on XX/XX/XXXX.
In the letter, they blamed me ( see attached letter, 1 page ) without facing all facts that banker and branch 's told me clearly and repeatedly that everything was good. Either the branch or the Unit was lying. If something wrong, why didn't the branch tell me at the beginning? Instead, they told me clearly and repeatedly that everything was good. That means nothing wrong. Emails are the facts.
What did they do? If there was something wrong, that were banker 's and branch 's problems. I did what they told me. The Unit 's answer was baseless. If the Unit has questions, they should blame the branch not the client because the branch represents Citi, sells Citi products and tells client what to do face to face. Why did citi shift internal blames to client?
I wrote to Unit again on XX/XX/XXXX ( see attached letter for details, 2 pages ), demanded the answers to my questions because they said if I have additional questions and concerns I should contact them directly. I gave them 3 weeks to investigate the issue again, but no any answer. I called ( XXXX ) many times and left messages, no answer.The Unit did exactly the branch had done to client. By covering up the branch 's wrongdoings, the Unit actually encourages bankers to cheat.
Here we can see a pattern which clearly showed how they treat clients.
At the beginning they ask bankers to bait people by making good promises. By the time they should make payments, the banker hides and then the manager hides. Then they switch to other divisions and left clients in the dark.
When clients contact them, they play their game again. They never want to face the facts because they know what they did and what they are doing.
When they want clients ' money, they say one thing. By the they need to pay money they owed, they say another thing. The only purpose is to take advantages of clients.
Emails, letters and other files are evidences.
Facts matter. I do believe cheating clients is not a legal practice allowed by law. I am asking for your help. Please tell citi read all material carefully and everything should be based on facts. I think they should get to the bottom from XX/XX/XXXX to the present time, every detail matters. Please tell citi answer all my questions and resolve the issue based on facts.
Thanks you very much for your help.
|
| 10/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Re : Acct # XXXX XXXX XXXX XXXX To whom it may concern : I have been wrongfully handled and continuously given wrong information by Citibank. The information reporting to my credit profile is inaccurate, egregiously punitive and does nothing to paint the picture to demonstrate that Citibank /Citi cards is in error and violation of the federal Cares act laid out by congress .
Let me address the Cares Act first, due to the ordinance set in place by the federal government by way of the Cares Act the late payment reporting to my credit profile should have never been placed on my credit profile due to the Covid-19 pandemic. The ordinance clearly states that creditors should refrain from reporting any negative information to consumers credit report after XX/XX/2020 until further notice. Citibank has disregarded this demand and with no regard for me or what is going on in the world ruined my credit profile. ( Please note this is clearly the type of thing that makes a long-standing customer/consumer consider their relationship with creditors ).
Secondly the reasons this late payment ( 1x30 day late in XX/XX/2020 ) should never have populated to my credit profile goes as follows : the balance on the account was not the by-product of a charge it derived from internal charges at Citibank ; Citibank had the wrong email and mailing address on file ( even after I updated my addresses several times ) therefore sending all statements to a place I never received them. These two infractions alone bear enough weight for Citibank to retract the derogatory information from my credit profile alone, however when you couple that with a federal mandate my hope is that Citibank will do the right thing and free me from this credit nightmare. However, in case if this is not enough, allow me a moment to give an immediate history of the account. I have already verified the following history with Citi customer service representatives and as a result a refund of the late payment fees were accessed to my account.
In XX/XX/2020 I had a credit of {$59.00}. This is not unlikely because I very rarely use the card. In XX/XX/2020 a charge from XXXX in the amount of {$72.00} was charged to the card because of the credit, the statement you sent to the wrong address stated no payment was due because you took the payment from the credit which left my account with a balance of {$12.00}. When the statement came due in XXXX of 2020 and I did not receive it again Citibank assessed late fees and interest to the account bringing the balance to {$39.00}. When XXXX payment went unpaid Citibank did the same thing it did in XXXX and XXXX with no alert and simply assessed another late fee along with interest to the account bringing the balance to {$110.00} and forwarded a statement to the wrong address and email. If it had not been for my mortgage broker pulling my credit profile in XXXX of 2020, I would have never been aware of the bill or the late payment appearing on my credit profile. Clearly you can understand my frustration, my credit has been compromised and I was never placed in a position by Citibank to keep this from happening. This late payment has made it nearly impossible for me to conduct business and finalize my real estate transaction all because Citibank failed to update me properly. Please note I have never missed payment over course of the account. Had Citibank updated my information and contacted me in an orderly fashion this would have never happened especially over such a small amount of {$12.00}.
At this time, I have been directed by several representatives from Citibank to put my proposal into writing. So, with respect to that direction, I am writing today to request a deletion of all derogatory information from my account. This was clearly not my fault and when coupled with t
he Cares Act of 2020 you have more than enough to do whats right. I have sent a copy of this request to the Fair-Trade Commission ( FTC ) for my protection and if need be an unbiased advocate who will help me to get justice should you Citibank fall short in doing what is right during these unprecedented times. Therefore, please be responsible and remove this erroneous reporting from my credit profile. Once you have considered my request please do not hesitate, fax me a copy of the deletion letter to XXXX.
Thank you!
Sincerely, XXXX XXXX
|
| 03/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
XX/XX/XXXX Citibank N.A.
ATTN : XXXX XXXX XXXX Citibank XXXX XXXX XXXX, Texas XXXX To Whom It May Concern : Im writing in response to a letter that I recently received from Citibank. The letter informed me that I didnt qualify for the XXXX XXXX XXXX bonus miles that I was supposed to receive when I opened an account with Citibank with a {$35000.00} deposit on XX/XX/XXXX.
During that seven-month period, I had numerous phone conversations with Citibank Customer Service about the terms of and my eligibility to receive the XXXX XXXX XXXX bonus miles and was always assured that I met the eligibility requirements and was going to receive the reward.
To confirm what the terms of the promotion were, I called Citibank Customer Service that same day and after being transferred to three different agents, finally got to speak with someone who knew about the promotion. She told me that I need to make two purchases on my debit card for at least {$750.00} within 60 days of opening the account. I asked her to send me a message with the terms of deal, but I was told that she couldnt do that.
On XX/XX/XXXX, I remembered there was a note on my calendar reminding me to make the two debit payments for at least {$750.00} each. Just to be sure that I was doing the right thing I called Citibank Customer Service. Again, I was transferred twice before reaching someone who knew about the promotion. She told me that I would be okay as long as both payments were made before XX/XX/XXXX. Accordingly, I made a debit card payment for {$800.00} on XX/XX/XXXX and another debit card payment for {$800.00} on XX/XX/XXXX. In fact, I made a total of nine debit payments totaling {$2500.00}, 90, before the 60-day deadline.
On XX/XX/XXXX, I called Citibank Customer Service to find out when I would receive the Award. I was told by agent that I would receive the XXXX XXXX XXXX bonus miles at the end of the next billing cycle.
When I hadnt received the Award after waiting an additional two months, I called Citibank Customer Service on XX/XX/XXXX and was told that I would receive the miles by XX/XX/XXXX.
After XX/XX/XXXX, I checked my XXXX XXXX XXXX account several times, but the miles were not posted there.
Finally, on XX/XX/XXXX, I called Citibank Customer Service and asked to speak to a Supervisor. The Supervisor that I spoke with was named XXXX and unlike the other Agents I had talked with before, XXXX was not in the XXXX, but in XXXX! She didnt have any idea what I was talking about, so she asked me a series of questions and said she was going to escalate the matter. XXXX went on to say that I would receive a response by text or on the Citibank site within five days.
On XX/XX/XXXX, I called Citibank Customer Service and was told by an Agent name XXXX, this time in the XXXX, that it would now take 20 additional days to get a response.
On XX/XX/XXXX, I called Citibank Customer Service, and the Agent transferred me to a Supervisor. I was placed on hold for 20 minutes and she came back on the line to tell me that the Supervisors were busy and that I needed to continue to hold. Instead, I hung up.
On XX/XX/XXXX, I noticed that there was message for me on the Citibank Site. When I looked, there was a letter from Citibank ( see attached ) informing me that I would not receive the XXXX XXXX XXXX bonus miles. I didnt have time to read the letter, so I closed the document planning to read it later in the day. When I attempted to open the letter, it was gone. So, I called Citibank Customer Service and after being transferred to a Supervisor, was given a code and told that I would receive access to the letter in a few days.
More than two weeks later, on XX/XX/XXXX, I received the code and was able to get access the letter. It said that I did not qualify for the XXXX XXXX XXXX miles because I did not meet the terms and conditions to receive the promotion. The letter went on to state, that if you have any questions or would like to speak with a representative contact Customer Service. I did and was told by a Supervisor that there was nothing that they could do and that I needed to write a letter to Citibank. Accordingly, I trust that you can help me to resolve this matter in a reasonable and equitable way.
Best Regards XXXX XXXX I HAVE A COPY OF THE LETTER THAT I RECEIVED FROM CITIBANK, BUT YOUR FILE TRANSFER SYSTEM WON'T ACCEPT IT.
|
| 02/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
Before I begin I want to communicate that I was advised by the company that if I file a complaint here it will go to the same department in their company and I will get the same answers.
The situation is complicated. It concerns how payments are applied to the balances. The web site has no information or link on the Card Agreement so we can see them on the web page. I am referring to the Shop your Way page which is the main page concerning this account. There is also no link to the Citibank web site that has that information. This makes reading the card agreement very hard if we cant find it online.
I had two balances on my account. Purchases 0 % APR until XX/XX/2023 and balance transfer ending on XX/XX/2023.
Not being able to find the card agreement on the web page and with the solicitations being limited on information, I called customer service starting in XXXX. From the solicitations it appeared that the way payments are applied are as follow : The minimum payment would be applied to the balances that benefit the bank the most and excess payments would be applied by what benefits the consumer the most.
Based on that premise I started calling the beginning of XXXX intending to pay off the Balance ending on XX/XX/2023 by that date when I had trouble with a few payments being correctly applied. I talked to multiple agents and no one really understands how payments are applied. I was told at various times different answers such as whatever the computer decidesno one really knows, balance transfers are paid first, balance with the larger amount is paid first and a manager told me that any payment made 30 days before the expiration of an offer will be applied to that offer. XXXX from the main office confirmed that all this was true. I purposely made a payment in the exact amount within 30 days of the expiration based on what the manager promised me but it was applied instead to the other balance. I called several times, First I was told it would be corrected and to wait 48 hours. After 48 hours I called and the agent made a complaint to the main office. XXXX called me and said that I can request it to be transferred and she would ask for it to be transferred and it should take less than a week. After a week I called and had to talk to multiple people until XXXX called me back on XX/XX/XXXX and told me that I was stuck. Why did it take her several weeks to find this out? Why did she wait until the end of the expiration period? She followed up with a letter on XX/XX/XXXX. Coincidentally it was right at the end of the offer and the extremely high interest would start to accrue. Could this be a scam the company does?
Her letter stated, To be in compliance with governing regulations your payments in excess of the Minimum Payment Due are to be applied to the balances with a higher Annual Percentage Rate ( APR ) first. She then gave a list of how it applies. I am not sure why it took several months to be able to get this list. Nor is this list being followed. On XX/XX/XXXX, the balance changed to about 30 % APR. The balance transfer is still 0 %. I made a payment on XX/XX/XXXX for {$1600.00}. Most of this was excess payment. Instead of being applied to the balance with the higher APR, it was applied to the rest of my balance transfer.
Neither the card agreement nor the solicitation for either program explains in any detail how payments are processed. I asked for them to review the solicitations I had received concerning both programs and was told by XXXX at the main office that the solicitations are no longer available as they dont keep record or copies of them. I find that extremely hard to believe. I sent one email back to them to show that it does not say that but it was ignored.
Because I was not given written information in either the solicitations or the cardholder agreement on how the excess payments would be applied and since I was promised by numerous people including a credit manager and XXXX at the main office originally told me that it would be applied to the XXXX XXXX expiration date I did not have the funds available and am currently scrambling to get the extremely high APR balance paid. With so many agents telling me that it would not be an issue and it would be corrected they should follow through on what they said. How can they expect me to know if none of their people know?
|
| 07/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
I have had my Citi XXXX credit card since XX/XX/XXXX ( over 8 years ) with a credit limit of {$18000.00}. I have excellent credit scores and have been a loyal customer of Citibank with on time payments for both this credit card and the other Citibank credit card, Citi XXXX XXXX ( since XX/XX/XXXX, over 10 years, with {$13000.00} credit limit ).
On XX/XX/XXXX, without any prior notice or alert, Citibank decided to close my XXXX credit card due to inactivity. I double-checked my correspondences with the bank to ensure I did not miss anythingI received an e-notification on XX/XX/XXXX, the same day they closed my account.
Upon finding this out, I immediately called Citibank at XXXX XXXX EST and the first call was ( conveniently ) dropped after I voiced my complaint to the call representative. I called back immediately at XXXX XXXX EST and the representative, XXXX XXXX, on the second call was not helpful. He stated that I would not be able to reinstate my credit card and that I need to apply for a new card. Upon pleading my case with him, he said that they may be able to reinstate my closed XXXX credit card if they can run my credit with a hard inquiry. I refused because I am in the market for a new home and must be careful with hard inquiries in order to apply for a mortgage.
I told XXXX XXXX that I would like to escalate my customer complaint to a supervisor, to which he replied he cant help you either, theres nothing he can do. I then told him that I would like to formally lodge a customer complaint and asked to be transferred to the complaints department. To my surprise, he said that he would be the one logging the complaint but he did not ask me what or how I would like to log it. In a matter of seconds, he asked if there was anything else he can help me with, to which I replied in shock, did you log the complaint? He stated yes but without providing any confirmation number of such complaint. I requested the confirmation number but he stated that there is not one to provide. I told him that I would be logging this complaint with all of Citibanks financial regulators.
I believe that Citibanks closing of my XXXX credit card falls squarely under UDAAP regulations of Dodd-Frank and that as a customer, I am harmed by their decision. First, I was NOT provided any notice that the bank was looking to close my account even though I have been using the XXXX XXXX card monthly. As such, I am a regular customer with regular and frequent charges and activities. Thus, inactivity should not have applied to my accounts. This is the classic definition of unfair, deceptive, and abusive acts or practices by those who offer financial products or services to consumers.
Second, as a US Navy reservist and veteran who XXXX on XXXX XXXX to the XXXX XXXX last year up until XXXX of this year, and applied for ( and approved by Citibank ) under SCRA, Citibank did not take any time to consider that I was NOT in the country for over a year to use my credit cards the way I normally would. My family and I sacrificed for our beloved country for nearly a decade and the day after XX/XX/XXXX XXXX XXXX, Citibank thanked us by closing a good standing account just because they can.
Third, as a result of COVID-19, hardworking American families like mine have been tightening our belts and not spend on credit to cautiously and safely navigate through these uncertainty times. For XXXX sake, our government has provided 3 rounds of stimulus to American families and Citibank expects us to max out our credit? Do they have a heart?
Fourth, by closing a credit card with a limit of {$18000.00}, Citibank has single-handedly decreased my collective credit limit by 20-25 % and closed an account with 8 years of GREAT credit history. This has undoubtedly, painfully, and unfairly prevented us from continuing to shop for a new home for our expanding family. It is a great harm that I hope can be addressed.
Fifth, the Citibank complaints management system is poor with deceptive call center personnel. I wonder how many hardworking veterans and Americans they quickly dismissed today, regardless of the pain, loyalty and dreams that went with every call.
I respectfully request that Citibank reinstate my Citi XXXX to active status with the same credit limit, credit age, and good standing that I have earned for more than a decade.
|
| 09/18/2018 |
Yes |
|
|
|
Web |
|
|
Dear : This letter is file a formal complaint against CitiMortgage the servicer of my loan. I recently began the process to sell my home. I checked my statements to see what the outstanding balance was to have Idea on where to set the selling price. I eventually called into CitiMortgage to confirm the outstanding balance or payoff amount in order to sell the home to a potential buyer. The payoff amount was at the time with interest was {$110000.00} which was provided to me by a CitiMortgage associate. The associate said that they would also send a payoff amount in the form of a document as well. The payoff amount was very close to what my statement had indicated so I felt very comfortable in entering into a contract with a buyer. In which I did in good faith seeing that I checked my statement and called in to get a payoff amount. Here is where the problem begins. Upon entering in the contract for a selling price of {$130000.00} the buyer sent over the settlement statement that included an additional {$25000.00} payoff due to a modification amount which I was not made aware of via statement provided by citi monthly nor verbally from the agent at citi. This new amount would have me bringing {$12000.00} to the closing in order to finalize the sale of the home. I immediately called citi to make them aware of the error they made in giving me the wrong payoff amount and that I am in a contract with a buyer that says I have to bring {$12000.00} to close the deal. They ( citi ) were the ones who serviced the modification and prepared all documents for the modification. So it was in good faith that when I called in to get the payoff amounts that the XXXX was the entire payoff amount including the modification. Each associate I spoke to said that they did not see the modification in the notes so I had them send over another payoff amount to the buyer so that they could see that the XXXX was correct. I even had a supervisor tell me that if there was a modification amount it would have shown up with the payoff that they gave me over the phone. Unfortunately again citi gave me wrong information. The modification was separate, but citi has records of it but did not provide it at the time of my request. I then spoke to an executive group member XXXX XXXX who I told that Citi should pay the {$12000.00} since they didnt provide or direct me to the modification amount which citi was the servicer for. I reiterate that citi prepared all paperwork for the modification. She went on to tell me that the loan should have been flagged so that all associates would direct to modification payoff amount. She then sent me over to Modification group since she said they were the ones who dropped the ball back in XX/XX/2013 when they did not flag the account. I spoke to to a supervisor there and a regular associate and they both said citi was sorry for the mistake but they will not pay the modification amount off. They even said it was a mistake but would not being helping in any way. I am now stuck with an executed contract in which I have to bring {$12000.00} to the closing which I dont have due to an error on Citis part. I could possibly be sued if I dont come up with the monies at the closing that is now been extended in order to try and resolve this matter. My need at this point is to get citi to pay the {$25000.00}. I am in a good faith contract with an all cash buyer with wrong payoff information. Without this error we would have set the selling price higher in order ensure the modification would have been paid off as well. Citi failed to direct me correctly in this matter. They acknowledge the error and understood but are not willing to resolve the issue. Please help me in this matter. Also to note is that all the documents that citi sent after I enquired about the payoff indicated that their records showed an amount that also needed to be paid off. If they would have told me to wait until you receive the document or acknowledged over the phone the other amount I would not be in an executed contract with the wrong payoff amount, and I would not have to bring {$12000.00} dollars to the closing. I do not have {$12000.00} dollars, and my wife is not working which is why we are behind in the payments and need to sell the house. I have attached document to confirm all mentioned in this description.
Sincerely, XXXX XXXX
|
| 09/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Know Your Customer : We have been banking with Citi ( Citibank ) for 30 years. My wife and I maintain joint accounts. For the first 29 years we were treated well, never had any complaints, had had a mortgage from them, had a personal loan from them, and we've maintained 2 Citi credit cards. ( We are also Citi shareholders, reflecting our ( prior ) positive opinion. ) Starting XX/XX/XXXX, we started getting KYC questions for more information about our accounts. This we responded to and were told all was in order. We received additional requests over the next 12 months, each time asking basically the same questions, mainly : what is our source of income, and how did we finance our investments?
Each time we are asked, we receive a threatening letter that if we fail to provide the information within a 3 week or so window, our accounts will be blocked. Let me repeat though, we get the requests for the same information each time. ( It should be noted, all this information can be reconstructed by reviewing our account history, details of which Citi has! ) We respond each time immediately and are told all is ok, and that if further information is required Citi will contact us to request it.
The latest request that has initiated this CFPB complaint, was dated XX/XX/XXXX. We responded accordingly on XX/XX/XXXX, at XXXX, and were told all would be ok. If Citi needed further information, they would immediately contact us. The threatening letter this time stated that if we failed to respond by XX/XX/XXXX, our accounts would be blocked and it could take up to 2 business days to have our accounts restored.
Between XX/XX/XXXX and XX/XX/XXXX our accounts were " blocked ''. This means that we have zero access to our money in either our checking or savings accounts, and Citi prevents any incoming or outgoing payments to be made. We received NO forewarning, and in fact had not been informed of any problems since the XX/XX/XXXX telephone conversation.
We immediately contacted Citi the morning of XX/XX/XXXX and were told more information was required which we again provided, both myself and my wife, the same as provided on XX/XX/XXXX. It should be noted that we had payments in and out due that day, and important bills to be paid over the coming 2 days. We were told the issue would be resolved as expeditiously as possible, but could take up to 3 or 4 business days, this despite their written policy of it taking 2 business days.
We then followed up the next day, XX/XX/XXXX, as nothing had been corrected and we had already defaulted on a payment that should have been sent out on the XXXX, and would incur late fees each day on other payments that we should have made the next 2 days ( including one of our Citi credit cards ). The payment we defaulted on was an investment purchase, so we additionally were missing out on investment income. We followed up each day for the next week, following as many routes as possible, but nothing changed, our accounts remained blocked. Citi told us each time our accounts would be fixed imminently, threated as 'priority ', and that Citi would let us know if further information was required. We received no request for further information.
Today, XX/XX/XXXX, a week after this started, our accounts still blocked, we again called the KYC desk, and this time were told that no information had yet been processed. We again gave the same information as on XX/XX/XXXX and were told it could take another 3 or 4 business days. Without access to our money we had incurred a number of late fees, been unable to make any payments, and for our Citi credit card, are being charged a penal interest rate.
We had concluded that Citi must regard us as a huge risk for whatever reason, and by doing so are putting our credit/FICO history in jeopardy. Plus, of course, Citi are generating fees for themselves. This is a case of complete incompetence or some kind of scam for fee income. No matter how many times we ask, we get no response as to why we are being treated this way. Citi 's customer service is non existent over the telephone, email, messages, etc., and unfortunately there are no Citi branches in the state where we live.
We plan to go to our Citi branch where our account is maintained in XXXX today, an hour and a half journey each way, to see a manager and hopefully get something done.
|
| 07/08/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Good afternoon. Ive been a loyal customer of Macys for decades however, lately I have been treated extremely unfair to the point that I actually think what they are doing is illegal and there should be some sort of ramification for their actions. On five separate occasions within the last 12 months Macys has sent something to me in error, paid for by my card, returned to Macys by me using a return label paid for by Macys, which they have sent after I spent at least an hour on the phone on each occasion, explaining their mess up. On each of the occasions, Im describing I ordered one item, yet. A completely different item with a completely different cost was sent to me instead of what I purchased. I returned the items each time after spending hours on the phone trying to get to the right contact and get the prepaid label and not to be penalized since it was not in any way, shape or form my fault. Not to mention the fact that I have missed out on not only the products that I want because by the time I get the incorrect product notify Macys and try to buy the correct product again for the second time the product is either a been sold out or be is a different price and on several occasions my Macys star rewards have been affected either through the return or by losing them while waiting to hear from customer service on how to proceed on re-ordering. Each time I call and routed to a representative in a foreign land, that is difficult to understand and barely knowledgeable. Just today I spent an hour on the phone speaking to three different representatives then was hung up on. This is ridiculous and its unacceptable. I am paying over {$90.00} a month in interest on items that were never even purchased. Find me not only were they not purchased by me, but when they were returned to Macys, the credit was never given to me for the items that I was charged for, but never purchased. This is not fraud in the traditional sense if its fraud, then its Macys that is doing the fraud Not anyone else This is 100 % macys mess up. They are responsible and I am being held responsible for interest charges that I am not responsible for not only that, but I disputed a rug delivery. I was told a rug was delivered to my home. However, the rug was never received when I reported this/disputed this, I was provided proof of delivery in the form of a picture Of my neighbors home. This again is not my fault, and I am not comfortable or willing to go and knock on the strangers door to ask for an item back that was not returned to me. Again, not my fault. I have wasted countless hours. At this point I feel like I am owed money not just from the interest that Ive paid over the last year but in pain and suffering. They are impossible to deal with and then after spending two hours on the phone to be hung up on is just unacceptable.
The issue is they do not have one person capable of doing the forensics needed to ensure I am credited back the correct amount of money it boils down to pure stupidity. Again not my fault yet Im being penalized and forced to pay over {$90.00} a month in interest Because of a company having stupid employees and not caring when their customer calls and tells them of their error. My biggest question and what makes the least sense to me is why I wasnt immediately credited back to money as soon as the return label was scanned by XXXX or XXXX whatever the preferred shipper that was used was? None of what I experienced was so difficult than it should have taken this long to resolve or I shouldve had to go to these lengths to get a resolution.
I am extremely upset, and I feel as though I am being treated unfairly and they dont care and XXXX not willing to do a thing to ensure I am properly credited for the money owed to me.
I need help and Im not sure if I even may need a lawyer. I cant imagine how to begin calculating the actual amount of money thats owed to me- the amount thats just gone!!!!! Between interest, missing product, and product that was sent in error - returned to macys and never was I credited a dime!!!!!
I have a high credit limit and high balance and I dont diligently monitor the account. I shouldve. But now that I have begun my investigation and I see that there were zero credit issued over the last six months. I know I have a serious issue that needs help with getting a resolution.
|
| 06/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Issue : I purchased products from Best Buy and they offered me a promotion when I went to pay that was 12 months interest free with my Best Buy credit card. I do not use this very often and they had my information in the system because I do not even have my credit card. At the register they were able to pull up my account number and put in the sale. I received my account statement electronically and it did not include my full account number ( only the last four digits of it ). My first payment was due during the Global Pandemic that ended up in the U.S.A. The reason I need the full account number is because bill pay from my bank requires a full account number to issue checks. I have this for all my creditors and have never had an issue requesting my own account number. On XX/XX/2020 I contacted Citi Cards who is the servicer for Best Buy credit card to request my account number. They advised that they do not give out the full account number despite answering all questions correctly to verify my identity. I asked to speak to a supervisor because I could not understand this and the supervisor advised me of the same thing. She stated that it was their policy not to give out the account numbers. I then asked how else can I make a payment and she gave me these three options : 1. Pay over the phone : This required me giving the person on the other line my FULL account number to my bank account and routing number so that they can collect a payment. Now isn't this hypocritical? They state that the reason that they can not give me my full account number over the phone is because they value the security of my account and they feel so strongly about it that they have a policy in place that does not allow for full account numbers to be disclosed yet they have no problem collecting full account numbers from the same customer to make a payment meanwhile a complete stranger is the collector of this information. My bank account number has much more to lose if it gets breeched than my Citi account number that has a credit limit of {$800.00}. This just does not seem right to me and therefore I did not take this option.
2. Go to a local Best Buy store and pay for the bill : We are currently facing a Global Pandemic with the most communicable disease known to man since the Spanish flu that killed many. This also was not an option for me at the time even though I ended up having no choice and doing it totally against my will on XX/XX/2020. I had to stand in line outside the store for one and a half hours while wearing a mask and following social distancing procedures. Very unpleasant experience for what I believe to be totally unnecessary!
3. Request a new credit card so that I can obtain the new account number that way : I chose this option and they advised me at the time that it would take 10 business days to receive in the mail. After more than 2 weeks, I had not received the card. I called back after two weeks and the gentleman on the other line stated that it was never ordered on XX/XX/2020 when I requested it. I then placed the order again and continued to wait until I realized that it may actually never come and had to go personally to make the payment at a local store as described above.
By this time the payment was definitely late and after numerous contacts with Citi in an attempt to find a resolution, nothing was accomplished and there was never any indication that they were willing to work with me in trying to get this resolved in any way. I have never delt with a company that was so unyielding even during a time that the world was going through some really tough times. Mind you, this was for a payment on an account that the interest were deferred for 1 year and the minimum payment was less than {$30.00}. I would like for you to check my credit report to show what my payment history is with all my other creditors. You will find that my payment history does not reflect a person that does not pay their bills and I value my credit highly. The result of this whole ordeal was a score point drop in my credit score which is totally uncalled for.
I feel that I made various attempts at paying my bill and due to just not providing me with my own account number through phone calls as well as not mailing it to me in a timely manner, caused me to be late on my account. Not caused by my own doing!
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| 05/22/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I signed up for an online promotion being run by Citi Bank, NA, on XX/XX/XXXX requiring {$15000.00} in New money for at least 60 days to receive {$400.00}. I deposited {$15000.00} in aggregate into two accounts, {$13000.00} into a checking and {$1500.00} into a savings account on XX/XX/XXXX. I made no other transactions in the account aside from closing the account on XX/XX/XXXX. Citi is refusing to honor the promotion, and will not issue a check XXXX {$400.00} after I satisfied all the requirements of the promotion. I called on XX/XX/XXXX and spoke to two individuals, the supervisory XXXX ( rep id XXXX ) stated that I forfeited the promotion because I closed my account. There was no such provision in the offer.I have listed the promotion offer details below : " WHO IS ELIGIBLE FOR THIS OFFER?
Eligible Customers are New-to-Citibank Customers who ( 1 ) enroll in Citibank 's $ XXXX/ {$500.00} Checking and Savings Offer, ( 2 ) open a new Eligible Checking Account, and ( 3 ) open a new Eligible Savings Account.
WHAT ARE THE REQUIRED ACTIVITIES TO EARN THE CASH BONUS FOR THIS CHECKING OFFER?
To qualify to earn the $ XXXX/ {$500.00} Cash Bonus, you must enroll in this promotion. See If I am eligible, how do I enroll in this promotion? Eligible Customers must open a new consumer regular checking or interest checking account in The Citibank Account Package as first signer ( Eligible Checking Account ) and open a new Citi Savings Account in the same Citibank Account Package as first signer ( Eligible Savings Account ) during the Offer Period and complete the following required activities : Within thirty ( 30 ) calendar days of the opening of the new Eligible Checking Account, any owner of either eligible account must make a deposit of {$15000.00} or more ( multiple deposits allowed ) in New-to-Citibank Funds into the new Eligible Checking Account and/or the new Eligible Savings Account.
A minimum balance of {$15000.00} must be maintained for sixty ( 60 ) consecutive calendar days following the date when the {$15000.00} deposit was made ( Minimum Balance ). The Minimum Balance may be held in one of the eligible accounts or in a combination of the eligible accounts. For example, a {$15000.00} balance in the Eligible Checking or Savings Account for sixty ( 60 ) consecutive calendar days will fulfill the Minimum Balance requirement. In addition, balances of {$10000.00} in the Eligible Checking Account and {$5000.00} in the Eligible Savings Account for sixty ( 60 ) consecutive calendar days will also fulfill the Minimum Balance requirement.
To qualify for a {$500.00} cash bonus, within sixty ( 60 ) days of opening the new Eligible Checking Account, you must complete the required activities above and also complete one ( 1 ) Qualifying Direct Deposit into the Eligible Checking Account for two consecutive months. A Qualifying Direct Deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer, or an outside agency.
If you choose to keep your entire Minimum Balance in one account, however, please note any account which maintains a XXXX balance for ninety ( 90 ) days is subject to closure in Citibank 's sole discretion.
AFTER I OPEN MY ACCOUNT AND ENROLL IN THE $ XXXX/ {$500.00} CHECKING AND SAVINGS OFFER, ARE THERE ANY APPLICABLE FEES?
A monthly service fee of {$25.00} and a {$2.00} non-Citibank ATM fee applies to the checking account in The Citibank Account Package if a combined average monthly balance of {$10000.00} or more is not maintained. Fees could reduce account earnings. For all account pricing details please visit citi.com/compareaccounts.
IMPORTANT TAX INFORMATION : {$400.00} Bonus Offer : The {$400.00} bonus will be reported to the IRS as interest to the first signer on the account, in the year received, as required by applicable law. Bonus payments will be reported on IRS Form 1099-INT for the year received. Customer is responsible for any applicable taxes and consulting a tax advisor. Citi is not a tax advisor. To be eligible for the bonus, Citibank must receive a valid IRS Form W-9 ( Request for Taxpayer Identification Number and Certification ) and the account holder must not be subject to backup withholding. Non-resident aliens are ineligible to participate in this offer. ''
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| 10/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Dear Sirs, I am contacting your office because I had a secured MasterCard account with Citibank that was closed without my knowledge on XX/XX/2019 according to a Citibank representative. At this point I am not sure why my account was closed, but I suspect it was because of the reasons I will explain below.
I had recently filed two complaints with Citibank. The first being XX/XX/2019 and the last XX/XX/XXXX which was about one week before my account was closed The initial complaint was made on XX/XX/XXXX with a Citibank manager who had asked me to ask my bank, or for me to FAX, or mail a statement showing that I had been charged 9 overdraft fees at {$35.00} each totaling {$310.00} to my personal checking account with another bank. This particular manager had already taken off two fees that had been accessed to my secured credit account, but he told me he could not reimburse me the overdraft fees that had been accessed to my personal checking account until I sent proof of those fees to his office. He had asked me to have my bank, or myself either fax or mail his office a statement or letter showing these 9 overdraft fees totaling {$310.00} so that he could put in a request to have these fees reimbursed, or rather paid back to me.
Citibank had submitted to my bank 9 ACH payments of {$45.00} in which my bank charged me {$35.00} in overdraft fees each time Citibank submitted these payments.
The reason this manager had taken off all of the fees he could on my my secured card account that Citibank had accessed. and was trying to reimburse me the overdraft fees my personal bank had accessed to my checking account was because the {$45.00} payments were not suppose to be submitted. I had called in to have the payment cancelled because of some security concerns as my personal checking information had recently been comprised and no payments were supposed to submitted. Instead the {$45.00} payments were submitted a total of 9 times and I was charged over draft fees of XXXX each time. The manger apologized and told me that the payments should have been cancelled and they should not have kept being submitting those payments as they could have and should have been stopped and never submitted. He therefore told me to have my bank, or myself fax or mail him the information stated. I asked this manager if I needed to have my personal bank block anymore Citibank payments, but he assured me I did not and no more payments would be submitted, but I was shocked on XX/XX/XXXX when another payment was submitted for {$25.00} and it continued to be submitted 3 times and I was charged additional overdraft fees of {$35.00} each time, totaling I had never been late with a payment on this account until this happen and because they had overdrawn my personal account by over {$300.00} with overdraft fees I was not comfortable making another payment until this was resolved and the manager I spoke to understood this, but I was shocked later on XX/XX/XXXX when Citibank submitted a payment to my checking account without my permission. I called Citibank and they told me I was signed up to automatic payments which I informed them that I never did any such thing and I had just spoke with a manger on the XX/XX/XXXX and he never mentioned any such thing and in fact I had always called my payments in and considering my initially complaint and what the manager assured me would be resolved it didnt make any sense that they would even submit another payment especially after what had just happen. Although this manager assured me that another payment would not be attempted they attempted this payment of {$25.00} an additional 3 times in which I was charged additional overdraft fees by my bank totaling {$100.00} making the total in overdraft fees charged by my personal bank to my checking account {$420.00}.
Instead of addressing this issue and reimbursing these fees as I was made to believe they would, they instead blindside me and closed my account and tried to take an additional payment from me before I knew my account had been closed. They took my security deposit and instead of reimbursing me my overdraft fees, they are now stating that I owe them a balance of a little over {$100.00}. All of this was done because of the complaint I feel in my opinion. Thank you very much for your attention to this matter.
Sincerely,
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| 02/19/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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It started XX/XX/2021. There was a transaction on my card that I had noticed wasnt pending anymore and had actually posted to my account for the amount of {$300.00}. My friends and I went out to a bar and I ended up putting the tab on my card to hold the space but we ended up closing the tab with cash. At first I wasnt worried about it because the transaction was pending and I did think that the transactions would not post because we did pay with cash. It ended up posting and I did try to reach out to the company play on XXXX XXXX XXXX Texas. I wasnt able to get in contact with them for XXXX days so I did dispute the charge through my bank on XXXX XXXX ( CITI BANK ). They ended up taking the claim and said that they would reach out. I did continue to reach out just to see if I could reach them because obviously this was not the banks fault. I did call the bank in retrospect to see if they came across any other numbers that I could call and potentially get in contact with the company. They did provide me two numbers and I was still unable to get in contact with anyone. They were not either at the time.
As I was speaking with the bank I was waiting a while and they never provided a provisional credit. I was charged overdraft fees for things and I was late on my car payment. I couldnt stress enough to the bank how important this was to me because it was {$300.00} and I currently dont have a lot of income coming in due to COVID-19. This is when things kind of got weird with Citibank, about 10 days later they sent me a letter that I had to respond to you and the letter is attached in this complaint ( XX/XX/XXXX. ) The letter didnt even state anything about my version of the case. It asked me if I canceled or received a refund Which I clearly stated neither. I had been in contact with Citibank around four times before getting this letter and I responded the next day by email which was on XXXX XXXX. The letter was due on the XXXX as well. I may have actually even responded to the letter correspondence on the XXXX. It will definitely be stated below on the email. Clearly at the bottom of the letter it says that I could email correspondence to their direct email. I waited a week and a half and I still heard no response and no provisional credit. By this time Im really worried because I am almost {$400.00} short due to the initial balance the nonsufficient fun fee and my late car payment. I reached out to Citibank once again this is now XXXX XXXX and they are telling me they never received my correspondence. I quickly look at the email to make sure and double check that I sent it to the right email address as well as subject the email correctly. Both were correct the employee was able to verify the direct id from the email subject line. As well as the email had said opened. I did send this from the business email address so I can see when the message has been opened we do have pixels attached to our emails. The employee told me that no one ever saw it and no one got the email, and matter fact he added after that, that department didnt except email correspondence It clearly says that they except email, fax, and mail. So I told them no problem I would fax it in. I have been going back-and-forth with Citibank for a month about this dispute. I did fax in the document they need it back. I waited a week and a half to get zero response. I ended up calling Citibank again at this time they told me they had closed the dispute for failure to send in additional documentation from the customer ( me ).
This is a really hard time and I feel like my case was closed for an error that they made. I understand that they need the documentation back in a timely manner but its not my fault that your terms and conditions changed and you never change them on the mail document that you sent to me. So now Im suffering for everyone elses Error except mine. They told me that if I wanted to reopen the case I would have to mail in documentation. I refuse to mail in documentation I told them the next time that I was reaching out about this case it was going to be from the CFPB or an attorney because its ridiculous. I just want my money back its been very long Time I have no job in my bank is really not helping out there making things very difficult for me. I wonder how many others have to deal with this from Citibank.
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| 02/27/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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So I have been using my Citibank account for approximately 8 years now. I recently decided to have my account closed on XX/XX/XXXX due to inactivity and previous problems I had with this company. I went to a Citibank Branch on that date and have both my checkings and savings account closed and withdrew all the money I had left inside. I went online on that same date to do a final check to make sure there is no remaining balances and that the account was indeed closed. While checking, I found out that Citibank had charged me a monthly service fee twice without my prior knowledge on XX/XX/XXXX and XX/XX/XXXX. According to Citibank policies, as long as I have a combined balance of {$1500.00} I should be exempt and not be charged a monthly service fee. I have always treated my Citibank account as an emergency banking account in the recent years just in case I would need to use it but never actually did. With this said, I always had a little bit over {$1500.00} as the combined balance without any withdrawals or deposits ever made. So technically I should never have to worry about any fees right? Nope, that's not the case for Citibank because they can hit you with a fee at their disposals. This already happened once previously on around XX/XX/XXXX when they suddenly just charge me with a monthly service fee despite my combined balance of over {$1500.00}. I contacted a Citibank representative right away and addressed the problem. It was a hassle but the agent admit it was their fault and refunded that monthly service fee on my account at XX/XX/XXXX. He acknowledges the error, issued the refund and told me I should be all set going forward and not have to worry about any more fees on my account in regards to this. Obviously being the person I was, I believed their professionalism during that time and took his word for it. But guess what! I got charged that same monthly service fee twice afterwards. Due to it being the same issue, I contacted a representative again who then transferred me to a supervisor due to her lack of authority to handle the issue given my account is now closed which was understandable. So I went ahead and informed XXXX ( She refused to provide me her last name 's initial but I manage to get her badge # which is XXXX ), the supervisor, of the situation. So basically to sum things up, I told her I don't know why Citibank kept charging me monthly service fees despite my account having a constant total balance of over {$1500.00}. She responded by saying, well your account balance was under {$1500.00} after the fees was taken so they had to charge me a monthly service fee. I was so dumbfounded after she said that. Really? If you charge me a fee I wasn't suppose to pay in the first place to bring the balance down causing another fee to be taken, isn't that in error of Citibank? She monotonously said nope, your balance is under {$1500.00} so the fee was charged correctly ... Please someone help this lady, this is so illogical. To put salt on the wound, she said it was my responsibility to constantly monitor my account as they send banking statements all the time ( true to a certain degree, but really? ) and I should be aware of any errors. So instead of taking the representative 's word from your company back on my XX/XX/XXXX encounter, I should be constantly on guard to see when Citibank makes another strike and charge me with another monthly service fee. That shift in responsibility and not owning the occasion is just unbelievable. XXXX doesn't show any care or professionalism at all quoting things like how long the call has been like I was wasting her time despite me being patient with her during the whole conversation ... so all in all, because my account is now closed, she don't give half a dam about me or the money they " stole '' from me via their so-called monthly service fees. Before this call was made on XX/XX/XXXX I was still able to access my online account to see the last of my statement but after speaking with XXXX, she apparently closed everything out and denied me access so I wasn't able to provide any additional proofs such as statement balances etc but they should still be on their system ... Giving this is such a huge banking company, I am thoroughly disgusted at how they handle the situation. I am wondering how many more victims there are out there ...
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| 12/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Older American |
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Dear Sir/Madam : I was a very loyal customer of Citimortgage since XXXX and always paid my mortgage on time and never defaulted, never filed bankruptcy and has only one original mortgage with the CtitiMortgage since XXXX. In XXXX I was diagnosed by my XXXX that I have XXXX XXXX XXXX and the doctor explained to me that with the time your XXXX XXXX XXXX XXXX XXXX and you will be dependent on other people for help. In XXXX XXXX my XXXX XXXX XXXX was affecting my work and my ability to do my job by myself. In XXXX XXXX I was stopped by the police officer because I was not driving safe. Since that date I did not drive my car and dependent on my wife and son.
I am a XXXX and have a XXXX XXXX XXXX in XXXX, Texas since XXXX with an annual gross revenue of {$200000.00} and my take home income was on average {$85000.00}. In the beginning of XXXX I lost most of my clients due to my illness and that time I realized that I will not be able to keep up with my monthly mortgage payments of {$1500.00}. I was XXXX at that point and The Texas Department of Aging and Disability provided me home care services for 6 hours every day for 7 days a week for my personal help and support at my home.
In XXXX XXXX I called the Citimortgage Homeowner Support Specialist for advice and he highly recommended that I should apply for modification of loan and get FHA loan to lower your monthly payments.
First Homeowner Support Specialist XXXX XXXX XXXX I applied for loan modification in XXXX XXXX and XXXX XXXX asked me to provide complete information of my business and personal bank accounts. I provided almost 400 to 500 pages of information which she asked over three to four months period. Some of documents I provided to her three to four times. This happened during XXXX to XXXX XXXX XXXX.
Second Homeowner Support Specialist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX took over this position sometime in XXXX XXXX and started asking me the information that I have already provided to XXXX XXXX. Some of documents such as bank statements of my business and personal accounts which were almost 100 pages plus all other documents. I also provided to him 400 to 500 pages of information.
Third Homeowner Support Specialist XXXX XXXX XXXX XXXX took over the position on XXXX XXXX, XXXX. I am attaching a letter from my wife 's XXXX letter head with the information you requested that is her annual salary, how often she get paid and how much she has been paid up to date. This information will enable you to make a final decision of my loan modification. I am also attaching the similar letter requested by XXXX XXXX XXXX XXXX XXXX. I am attaching a photograph of all my documents and information that is more than one 1,000 pages that I provided to three Citimortgage Homeowners Specialist.
So far I have provided to CitiMortgage over 1,000 pages of information and spent many hours of my time for preparation. I was wondering how and where the CitiMorgage staff charge their time for doing this kind of work. It is almost nine months before when I applied for my loan modification and I am still waiting for their response. The CitiMortgage continue to charge me {$1500.00} every month since XXXX to XXXX XXXX and totally disregarded my health and financial position for i am trying to explain to CitiMortgage staff over the nine months. Although I did not have the ability to pay but I kept myself up-to-date until XXXX XXXX. I borrowed money from friends and daughter, and kept my payments up-to-date. This is the first month I was not in position to make my mortgage payment. I send several emails to XXXX XXXX XXXX XXXX XXXX my previous Homeowner Specialist and explained to him financial that I will not be able to make my mortgage payments but I did not receive any response from him. Now I have high expectation from your department to help me and finalize my case once for all. My application is straight forward and I have submitted hundreds of pages and documents to support and justify all my financial information. I believe I am in good hands and I will hear a good news from you very soon. My whole family is severely affected because of my illness and due to the burden of monthly mortgage payments that has put us in a extreme financial difficulty and hardship.
Please help us we need your support.
Thanks and best regards : XXXX XXXX
|
| 01/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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|
Web |
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Today is XX/XX/XXXX My husband and I opened two accounts with Citibank.
I opened a Citibank Priority checking and savings account on XX/XX/XXXX or XXXX. I transferred {$1000.00} to the savings account from XXXX on XX/XX/XXXX. I cashed a {$15.00} check from XXXX XXXX XXXX through the Citibank App on XX/XX/XXXX and another check from XXXX XXXX for {$1800.00} on XX/XX/XXXX.
Citibank abruptly blocked my account on XX/XX/XXXX and I no longer had access to my funds. They said my XXXX XXXX check was flagged as possibly fraudulent. Unfortunately, I initiated a transfer of {$50000.00} from my XXXX XXXX account to Citibank on XX/XX/XXXX. Although my account had been blocked, they still accepted my transfer a couple of days later. XXXX had accidentally sent the transfer under my XXXX name, further confusing the case. I did a three-way call with XXXX XXXX and Citibank in XXXX to clarify the issue and on XX/XX/XXXX went into a Citibank branch in XXXX XXXX, Illinois, with my husband, who is on the account also. We had identification and our marriage certificate to prove that we were the owners of the transferred {$50000.00}.
I have called Citibank at least 10 times since XXXX when my account was closed. Most recently, after verification of my identity, I spent an hour talking to the fraud department on XX/XX/XXXX at XXXX XXXX. During my first call to them in XXXX, they promised me a check for my funds within 60 days. At 71 days, I still hadn't received a check for my funds. The branch in XXXX XXXX verified the check I cashed was not fraudulent XXXX XX/XX/XXXX XXXX, and the associate said that the funds in my savings account had been removed after the account was blocked. Those funds were in the amount of about {$2800.00}. It has now been 75 days since the account was closed.
I have contacted Citibank so many times regarding the matter, and have had no success in retrieving any of my funds. They have been holding my money totaling just under {$53000.00} for much longer than I believe is reasonable, especially considering I have provided documentation that I am the owner of the account and the money.
During the call I made on XX/XX/XXXX, I was told that they received the documentation of my identity, and I could pick up a check for my account funds after 24-48 hours at the branch location that I had visited on XX/XX/XXXX.
We went back to the XXXX XXXX branch on XX/XX/XXXX and were finally allowed to close out our checking account. We were issued a cashiers check for the {$50000.00} that was in the account. However, the money in the other account, amounting to about {$2800.00} had been removed from our savings account and we were unable to retrieve that money.
After two more calls to the Citibank fraud department, we still did not receive any answers about our money and made another appointment at the branch.
On XX/XX/XXXX, we had another appointment with XXXX XXXX at the XXXX XXXX Citibank to try to locate our money. After she was on the phone with Citibank, we were told that a Miscellaneous Case was filed and that our case number was XXXX and that we would receive an email from Citibank in 7-10 business days. We were NOT told what this email would contain, just that it would be sent.
I received very disappointing correspondence that provided no additional help on XX/XX/XXXX. It said : Dear XXXX XXXX, XX/XX/XXXX XXXX Why We're Writing to You Thank you for your inquiry on XX/XX/XXXX, regarding your funds totaling {$2800.00} from account number ending in XXXX. What You Need to Know Our records indicate these funds totaling {$2800.00}, dated XX/XX/XXXX, are under instructions for you to contact the number below. Contact Center Servicing : XXXX Branch Servicing : XXXX Monday - Friday XXXX XXXX. - XXXX XXXX ET How to Contact Us If you have any questions or would like to speak with a representative, Customer Service can be contacted 24 hours a day, 7 days a week at : Citi Priority Customer Service XXXX Text Telephone Service ( TTY ) XXXX International Collect & Toll Free XXXX We appreciate your business with Citibank and look forward to serving all your future financial needs. Sincerely, Citibank Client Care THIS IS THE EXACT DEPARTMENT AND NUMBERS THAT I HAVE BEEN DEALING WITH AND GETTING NO ANSWERS FROM FOR MONTHS.
Getting our own money back should not be this difficult.
|
| 05/06/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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|
Web |
Older American |
|
Macy 's Billing Dispute Dept.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : XXXX XXXX XXXX Original Macy 's Account # XXXX Macy 's American Express Account # xxxx xxxxxx XXXX I am being charged interest & Late fees on top ofInterest & late fees!, And, while this account is under dispute. I now feel Macy 's is trying to 'bully me ' into paying more money for items I have already overpaid for. This account was settled last XXXX when I agreed to make a payment for additional interest of {$23.00}. Also, I have never received the {$43.00} credit that I have been due since XXXX that was erroneously applied to my original closed account, # XXXX. I have called & written Macy 's several times, with little to NO RESPONSE, only to become stressed with more billings showing added fees & interest to what is only fees & interest!. I have XXXX, not quite in survivor status & still taking medications to battle. Macy 's is making my XXXX more & more difficult to fight. And now there's Covid-19 to contend with!
This was the issue : I never requested this American Express Macy 's Account, but in XX/XX/2019, I was told my original Macy 's card ( Account # XXXX ) was going to be phased out. A few weeks later, I returned an item charged on my original # XXXX account for {$43.00}. I purchased additional items totaling ( {$67.00} + {$47.00} = ) {$110.00} in Macy 's, but those items were charged to the Macy 's American Express account # XXXX. I attempted to pay these charges at the store in XX/XX/2019, but there was confusion about applying my credit from # XXXX to # XXXX. I requested to hear from Macy 's Customer Service by XX/XX/2019, as I knew I would be out of the country for several months. I did not hear from them. However, I was contacted by my mobile phone several times by 'Macy 's Representatives ' with no knowledge of the credit issuance yet demanding I pay several hundred dollars. These representatives were rude, called sometimes several times a day over the next several months yet none of the representatives could give me any details relating to the charges on my account. They just said I MUST PAY NOW! Every time I spoke to a Macy 's representative, I explained I could not access my account online. I requested an email copy of my statement ( s ). I was told NO, and, many times very rudely. No representative was willing to help me understand my charges, nor if I had received the {$43.00} credit. Every time they called, I requested to these phone representatives to close my account, as I did not know if my account had been compromised. None of the representatives would even let me know if there were additional purchases past XX/XX/2019. I requested supervisors, but I was never given one. I explained numerous times I was out of the country, & my internet connections were not secure. Also, I didn't have any pins or passwords for my new American Express Account, # XXXX. Finally, XX/XX/2019, I simply mailed a {$120.00} payment from Alaska, as I was sure that the purchases of mine were not more than that.
I arrived back home in XX/XX/2019. I reviewed my paper statements, then I realized, I was never issued the {$43.00}. Additionally, I was being charged late fees, & interest, on these fees. Seems to be a vicious cycle. From my view, Macy 's had ( {$120.00} payment + $ XXXX.XXXXcredit due me = ) {$160.00} for the {$110.00} of merchandise. I contacted Macy 's Customer Service XXXX & XXXX (? ), then XXXX (? ). XXXX at XXXX on XX/XX/2019, helped me reach an agreement. After explaining the above, we agreed I would resolve this issue by paying an additional {$23.00} which he said was the interest on the account # XXXX at the time. In return, Macy 's would reduce the fees to what I had already paid & I would forgive the credit of {$43.00} due me since XX/XX/2019. I sent a money order for the {$23.00} on XXXX XXXX, 2019 to : MACY 'S, XXXX XXXX XXXX, XXXX, AZ XXXX My current bill is over {$400.00}! I have a long history of being an excellent 30 year plus Macy 's customer. I can not believe all the rudeness, & the stress this has caused me. Charging me Fees upon Fees. I am sure, THIS IS NOT the way Macy 's intended to make their revenues.
Thank you in advance for your prompt attention to this matter and with sincere appreciation that I can remain a Macy 's customer, Stay Safe & Healthy, XXXX XXXX XXXX
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| 06/29/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
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|
Web |
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I opened a Citi Accelerate Savings Account on XX/XX/2023 because of their attractive offer of 3.85 % APY ( back then ) plus {$150.00} or {$300.00} bonus if you met certain requirements. I opened it with a {$48000.00} transfer from another savings account I had with XXXX XXXX. Five ( 5 ) days later I transferred an extra {$520.00} into it. On XX/XX/XXXX I withdrew {$2500.00} and {$5000.00} respectively from it ( Citi ) to invest them in two different REITs.
Up to that point, everything was working fine. Something I noticed a bit strange is that on XX/XX/2023I received no accrued interests, contrary to how other banks operate. Somebody from customer service via chat told me that I had to wait until XX/XX/2023 ( one month after I opened the account ). At that moment the accounts interest rate was 4.05 % APY.
On XX/XX/2023 my account had a current balance of {$41000.00}. That morning, I tried to transfer {$10000.00} to another Savings account I have in XXXX XXXX. I used my work computer, which has an integrated VPN ( company related ). The transfer wasn't completed and suddenly I got this message indicating that for security purposes it couldn't be completed. I then attempted to make the same transfer from XXXX XXXX and at least the transfer request worked with no problems. When I tried to log into my Citi account, I was notified that my online access was blocked, but I could call the number the appeared in the back of my ATH card.
First time I called, I was later transferred to Fraud Prevention Dept. The lady in charge asked me several questions about the transfer ( when and where I made it, what device I was using, was it by means of a VPN, etc. ) and told me that I should receive a call during the afternoon with a resolution on the investigation. I didn't receive any, so I called a second time in the evening but Fraud Prevention Dept was already closed.
Next day I called at XXXX but when I was communicated to Fraud Department I couldn't understand a word of what the Customer Rep was saying ( his accent was from another country ). I had to call a second time and that's when I was finally notified that my account was closed and that I should receive a letter by mail in the " next days '' indicating what happened, together with an official check ( which I assume it will be the same {$41000.00} with no interests and no bonus ).
Something that I noticed very strange is that the 4 times I called and explained them what I was trying to do, they always were asking me " Where the money is coming from? '' I had to explain over and over that I wasn't transferring money into Citi, but from Citi. So, what I assume is that they suspected that I was doing some sort of money laundering, especially given the fact that I am XXXX and probably my accent lifted some red flag to them. On XX/XX/2023 I called again for a status on the mailed letter and the check, but the Fraud Dept. Rep told me that their department doesn't have ownership of my case and it might take within 30 to 60 days for the bank to close the account and an extra 10-14 business days to receive my check. Are you kidding me??? Do they think I can wait 2 months to recover my money??? It was all a misunderstanding! In addition, will they open me a record in XXXX that could affect me when opening accounts in other banks???
That same day I opened a claim with OCC. Case number XXXX. They told me that I need to wait 10 business days after XX/XX/2023 for Citi to provide them an answer.
I called Citis Fraud Prevention Dept last week trying to figure out if I could communicate with someone from Back Office ( since I was told they are the ones that close accounts ) but that was useless. They dont talk directly with clients. A supervisor also told me that the reason they closed my account is because somehow they noticed that the {$10000.00} transaction was being originated from several places at the same time. They thought my account was being hacked and for security reasons they proceeded to close it. I even tried to explain what really happened to that supervisor, but it was all useless.
Finally, I would like you to read this page which has similar complaints of other customers that have been deceived like me : https : //www.depositaccounts.com/banks/reviews/citibank.html. This has to stop! Thanks for your understanding and help.
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| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX I, XXXX XXXX XXXX observed an extraordinarily auto payment withdrawal from my XXXXXXXX XXXX Checking Account to The Home Depot Corporation.
The amount withdrawn was much larger than previous auto payment amounts monthly from my Bank Checking account. I then called Home Depot at ( XXXX ) XXXX I called The Home Depot Corporation, I was placed on HOLD for about 25 minutes. Finally an employee stated his name was : XXXX, retrieved my call from being placed on hold.
I then asked XXXX for his employee Identification or badge number. He gave me employee Identification number ( XXXX ). Upon verifying my date of birth and the last four digits of my Social Security number and my Home Depot account number that ends with I then proceeded my telephone call with XXXX explaining to him that the amount withdrawn using Auto Pay from my Checking account ending in ( XXXX ) was a huge error made by The Home Depot Corporation.
The Home Depot employee XXXX informed me that I was incorrect WHEN I GAVE HIM MY ACCOUNT NUMBER XXXX informed me that I had another account on file that ended in DIFFERENT NUMBERS What other account you talking or referencing about, I asked? XXXX then disclosed to me that a second account on file ending with the last two digits ( XXXX ) was opened in the year XXXX and that the last four digits of my Social Security number was used to open that account. I then calmly continued to explain to XXXX XXXX that I have never had, or received an account, nor have I ever opened an account with the Home Depot Corporation ending in account numbers ( XXXX ) in the years XXXX to this day, present time.
Home Depot employee XXXX informed me that for Security Reasons he could not disclose to me the last four digits of the other account number ending in ( XXXX ) when I had asked him. XXXX informed me that the account on file with the account numbers ending in ( XXXX ) has the same last 4 digits of my Social Security number and that the year of birth on record was year I WAS BORN Employee XXXX then proceeded to ask me if I know an individual who is referenced as XXXX XXXX? I then replied who, he then repeated the name again XXXX XXXX and continued to disclose to myself that she also has the same birth year, last four digits of my social security number ending.I then replied I have never known an individual named XXXX XXXX.
He, Employee XXXX, was unable able to verify further information pertaining to the account ending in XXXX per policy he stated. XXXX informed me that I should then call the retail/legal support department at XXXX to explain to them about the mishap of The Home Depot Corporations error. At that time I spoke with The Home Depot Corporation employees XXXX, XXXX, XXXX, and XXXX who were unable to identify themselves with any employee Identification numbers when I had asked.
I requested all statements and receipts pertaining to the fraudulent account ending in ( XXXX ), As well as the statements for my account number. I was informed that I would have to go to the store locations where I had previously made purchases to obtain the receipts. The Home Depot Corporation then disclosed to me they could only produce two years of receipts and that they can only be obtained physically in the stores.
On XXXX XXXX I then proceeded to The Home Depot XXXX XXXX XXXX, XXXX, Massachusetts XXXX location and The Home Depot XXXX XXXX XXXX, XXXX, CT XXXX where I then received two years of receipts.
Upon arriving at home I then continued my investigation by looking back at purchases that I had made at the two locations referenced above. I then discovered fraudulent purchases that I have never made or attempted to make at anytime. I then contacted by via telephone to no prevail The Home Depot Corporation to explain the discrepancies. I then physically returned back to the two locations mentioned above to dispute the purchases I never PURCHASED or AUTHORIZED from The Home Depot Corporation locations. I was then assisted by an employee at the The Home Depot Corporation Customer Service Department. While retrieving through the discrepancies the employee stated, We can only obtain two years of receipts because our company, Home Depot had a data breach in the years XXXX and XXXX. Then the employe continued, stating This place is a XXXX XXXX hole, Nobody can ever find anything.
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| 01/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XX/XX/XXXX enrolled in XXXX XXXX XXXX program. XX/XX/XXXX program began.
SEARS ACCOUNT # XXXX XXXX XXXX XXXX In XXXX XXXX I approved a settlement for Sears # XXXX for {$5200.00} XXXX Balance was {$10000.00} ) however the funds were paid to XXXX XXXX XXXX not XXXX XXXX XXXX who was handling the collection the balance they reflect is {$11000.00}.
XX/XX/XXXX I spoke to XXXX to inquire why my Sears account was showing up in my XXXX XXXX XXXX XXXX XXXX ) account status as Upcoming-Account not Ready whereas this account was settled on XX/XX/XXXX.
XXXX escalated the discrepancy but suggested I obtain a paid in full letter from XXXX XXXX XXXX. I attempted to reach out XXXX continuously the line was always a continue busy signal and XXXX could not provide any other number nor could I find one.
XXXX XXXX I was notified via mail from Freedom Debt the {$5200.00} was deposited back to my XXXX dedicated account due to a Data Breech caused by a XXXX employee and a third party.
XX/XX/XXXX I applied to refinance my XXXX XXXX, XXXX XXXX XXXX only to find out the Sears Account was reflected on my credit report as charge off with a balance of {$11000.00} this caused me to not be able to move forward with the refinance until I am able to have the charge off reflect {$0.00}.
XX/XX/XXXX I reached out to XXXX XXXX XXXX assisted me to again escalate the Sears account it was turned over to XXXX XXXX XXXX to resolve on my behalf.
XX/XX/XXXX my husband and I were required to e-sign a POA for XXXX XXXX XXXX to act on our behalf to address the Sears open account issue. I was contacted by XXXX XXXX XXXX who advised me that XXXX XXXX XXXX advised XXXX XXXX that Sears was no longer collecting on the account as it was too old and it was charged off XX/XX/XXXX which is 14 months after the date I approved the settlement on Sears # XXXX which was paid to XXXX fraudulently. My concern was does the Sears account now come off my credit report and I was advised I should wait 30- 90 days for it to come off the report and if not call Sears directly.
I checked my credit report on XX/XX/XXXX only to find out Sears Acct XXXX was still reflected as charge off with the balance of {$11000.00}. When I contacted Sears XXXX I was advised the account was too old to collect on it was charged off XX/XX/XXXX and just because it was charged off doesnt mean they will report it as a XXXX balance unless its paid. I explained as far as I knew in XX/XX/XXXX it was settled and explained the entire fraud issue. All she could advise was if I wanted a XXXX balance to be reflected I had to pay it. Two addresses to send payment Citi Bank XXXX XXXX XXXX XXXX, Az XXXX Attn : Payment Dept. Or over night Citi Bank XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX, KY XXXX Reference my name ; last 4 of SS # and Acct # XXXX. She advised there could be no negotiation for a lower amount it exceeded the statue of limitation and even if I did not have XXXX remove this account from my program they would not be able to negotiate because it exceeded the Statue of Limitation.
So because this account was part of a data breech this caused the Sears Account to no longer be able to be negotiated and XXXX never acted further on the account to resolve it even though it was part of the data breech all they did was deposit the amount of the funds they paid out to XXXX back into my XXXX dedicated account.
The amount of {$5200.00} that was deposited into my XXXX account is still in the account I did not take the funds back. It is imperative I get this matter resolved so I can clear this discrepancy from my credit profile and be able to move forward with a refinance as was my initial intention until I learned about this issue.
Please advise if you can assist me with this issue. I feel the " free '' legal counsel XXXX provided to handle this discrepancy did not act favorably on my behalf whereas they simply advised Sears stated they would not longer collect on the account it was too old and XXXX " free '' legal counsel advised me to authorize this account to be removed from my program and did not confirm the " charge off '' would be reflected with a XXXX balance on my credit profile just simply advised I had to wait for it to be amended on my report 30-90 days.
I have attached documentation to support the information reflected above.
.
|
| 07/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
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|
Web |
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I applied for a Citi AAdvantage Platinum Select World Elite Mastercard at the beginning of XX/XX/2023 for the sole purpose to immediately start earning miles for XXXX XXXX flights. I received the card in the mail around the middle of XXXX. After activating the card and making my online account, I called the customer service line to reduce my credit limit. There was XXXX issues verifying my identity, and I was able to successfully and easily reduce my credit limit. Later, I attempted to make my first purchase -- buying concert tickets through XXXX. The purchase was declined, so I called Citibank back to inform them it was indeed me who was attempting to make the purchase. Prior to speaking with a customer service agent, I had already provided the last 4 digits of my SSN and even the secret passcode for my account. When I finally reached an agent, I was asked for my cell phone number, so they could send me a verification code. I provided the phone number -- the ONLY phone number I provided when opening my account and the SAME phone number I had called from earlier in the day. The agent proceeded to tell me that they could not use this phone number to send me a code to verify my identity, and then asked if I could provide another phone number, such as a work number or landline. First off, how does it make any sense security-wise for me to provide a phone number that isn't even linked to my account? After I told the agent I did not have another phone number, he said the only way to verify me was to send me a letter through the mail. After going back and forth with the guy on how that made zero sense, I had no other option but to wait for the letter to come in the mail in order for Citibank to verify my identity, so I could have my card unblocked and be able to use it. When I received the letter, I called to get the card unblocked, and I also asked what I needed to do so that I do not have to wait another 5-7 days for a letter if this issue was to ever happen again. The agent said that I could provide my husband 's phone number as a back-up phone number to receive verification codes. Fast forward to today, XX/XX/2023, I had received a text message from Citi last night saying " Please confirm you recently opened a Citi Advantage Platinum Select Card acct. Yes=1, No=2, etc... '' I thought this was quite odd and suspicious, as I opened the card in XXXX, and it is now XXXX. I did not respond to the text message, but when I logged on to my account, I saw a message about possible fraud ( however, I did not see any fraudulent charges on my account ) and that I needed to call Citibank to fix my account. I called the number provided, gave the last 4 of my SSN and my passcode prior to speaking to an agent. Once I spoke to the agent, she said she needed to send me a verification code before I could review the possible fraudulent activity on my account. I provided her with my phone number, which is still the same phone number that I opened the account with. She put me on hold for 3 minutes, then came back to say that she could not use that phone number. I then provided her with my husband 's phone number, since I was told in my previous phone conversation, that I could use that to receive verification codes. She put me on hold again for another XXXX minutes, then came back to say that number could coincidentally also not be used. She then asked if I had any other phone numbers that could be used ( once again, how does this make logical sense? ). She said the only option to verify my identity was to wait for a letter in the mail that would come in 5-7 business days then for me to call back to discuss the possible fraudulent activity on my card. I asked her why do I need to wait for a letter in the mail when I have already provided two different phone numbers that should be the only numbers linked to my account? She could not provide an actual answer. I do not understand this verification process. It is absolutely absurd, inconvenient, and anti-customer. I understand and appreciate Citibank looking out for me ( and themselves ) for suspected fraud, but I did not open the account to not be able to use my card. My card has a promotional offer with spending requirements that have to be met within 4 months, and I have already lost 2-3ish weeks due to this insane ID verification process.
|
| 06/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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This is with Citibank. My father passed away on XX/XX/XXXX. I am the only beneficiary on this account, as well as I am the Administrator of Estate For my father.
I have been in a continued battle with Citibank since the death of my father.
1. They never informed me that I was a beneficiary at all as well as the only one.
I have spoke to them on the phone several times in the duration between then and in XXXX when I walked into the bank and in person they told me. almost 6 months after my father had died. When I walked into the bank with all my legal papers, the treated me like I was a criminal. They said my papers could be fake and they left me sitting for XXXX as they took my papers in a back room they called the legal people to check them out. I was in shock. When they came back out they said, Okay, well there is only one beneficiary on this account and its you, do you want the money now and close the account? They were rude, quick and unfriendly.
2. As I was looking at the account, I needed bank statements, history on account etc. and they refused to give me anything but a couple weeks before my dad passed. It was odd. They said i just need to close it and get my money. As I was looking at the few transactions they allowed me to see, I notice a check was written on XX/XX/XXXX ( the day my dad died ) for {$10000.00}. and cashed. I told them my dad was in the hospital and nursing homes for months and was in the ICU unconscious the last 11 days of his life. He did not write this check. The check was forged by my brothers written to one of the brothers. They did not care and they would not return funds, go after anyone but tried to literally convince me my father wrote it. I had to keep telling them he was unconscious int he ICU for 22 days as well as it was Covid and he could not have visitors. I was with my dad via Zoom when he passed away. so having this sort of insulting, hurtful, unprofessional sickening conversation with rude bank employees almost put me into a nervous break down. I was crying and overwhelmed and shocked.
3. I was living in Oregon at the time. My dad lived in XXXX XXXX CA. I had to fly down to California to walk into Citibank. They did not tell me on the phone or through faxing that I was the beneficiary on the account and I had dozens of conversations and communications with them. It was super strange and super stressful.
4. while on this trip to california , I found that there were checks adding up to {$11000.00} of my father 's signature forged at citibank and another over {$10000.00} of charges at my fathers XXXX XXXX XXXXXXXX account transfered directly into him and his wives account.
5 I have XXXX brothers. One stole all my fathers personal and finacial documents and even through he was court ordered to give them to me or the lawyer, he has not done so.
6. In XXXX of XXXX one brother transfered {$10000.00} to the other brother and wrote him a check for a XXXX of another {$10000.00} amount. They stole from my father.
and the banks don't care.
7. XXXX XXXX XXXX got the money back to me, but wont press charges or do anything about it legally.
8. Citibank treats me like dirt. I talked Citibank again on the phone on XX/XX/XXXX, XXXX they said they were sending me in writing the reason why they won't give the XXXX back or help. They said i would get in it 7 to 10 days. It is 19 days later. This is not the first time they have lied and not sent things.
9 but.. i was sitting in the XXXX XXXX XXXX on this call with the branch manager on XX/XX/XXXX, XXXX the person on the phone made me leave the room so they could talk. I asked them why are they keeping secrets and hiding things from me. this is nuts. I am the beneficiary on the account. the only one and the administrator of estate. what is going on. and there are more details. please help me 10. Citibank also won't tell me what happened to my fathers CD that was there. when i t was changed and where the funds went to.
11. i attached a copy of the XXXX written on the day my dad died. it was written to on brother ( the one against court orders ) and the signature was from my other brother that he later wired the funds too. it criminal and forgery and fraud and elder abuse and stealing from a beneficiary.. CitiBank aloud it. the signature does not match my father 's signature card.
|
| 11/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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To CFPB : My name is XXXX XXXX XXXX. I am contacting you in regard to a billing dispute with Citibank, Card ending in XXXX _ _ _ _.
On XX/XX/2019, I made a {$2600.00} purchase from " XXXX XXXX ''. Following extreme problems with the purchase, I contacted the Seller and Citibank. After several Correspondence with Citibank, I was instructed to Return the birds to the Merchant. Following instructions, I Returned the birds to the Merchant on XX/XX/2019. Following that I was issued a credit of {$2600.00}.
Recently that decision was overturned and Citibank informed me that they Reverse their Decision and Returned the Charges back to my Account. The following explanation will describe in detail, the events from date of purchase until the present : On XX/XX/2019 I purchased a pair of Misrepresented Caique Parrots. The purchase was made at the XXXX XXXX XXXX XXXX from " XXXX XXXX ''.
They were sold to me as a " bonded pair ''.
In reality the birds turned out to be wild, aggressive and extremely noisy. I received a complaint from a neighbor and on that first day I was attacked in the face by one of the birds. ( note : I have had many years of experience with parrots. ) I could tell immediately that my purchase turned out to be a Misrepresentation.
I contacted the seller and Citibank. In order to have a Resolution, Citibank instructed me to Return the Parrots. I contacted the seller and was told he would be at the XXXX XXXX XXXX XXXX on XXXX, On that date I traveled from XXXX XXXX California to XXXX California with my friend XXXX XXXX XXXX Together we returned the birds to the merchant. The Birds, were left in his care, he refused to give us a return receipt. Return We immediately called Citibank Customer Service, and was advised to leave the birds there with the Merchant XXXX XXXX.
, regardless of the lack of receipt ''! We repeatedly questioned the representative and were told several times to " just leave the birds '' and not worry about the lack of receipt! We took photographs of the Merchant with the birds in the cage as we left them therein his care.
The full amount was returned to my credit card and we assumed that the matter was closed.On XX/XX/XXXX I checked my balance and noticed Citibank had reversed charges back in favor of the Merchant!
All through this process I have Not Received a Written Notification of these Changes. Upon contacting Citibank, they would not acknowledge nor deny the phone call and said in order to access phone call instructing us to leave the birds without obtaining a receipt. On XX/XX/2019, Citibank told me they would need a court-ordered subpoena to release transcripts of our telephone conversation. That was the conversation instructing us to leave the birds without getting a Receipt.
The Merchant, XXXX XXXX, has both the merchandise and the {$2600.00}. This decision by Citibank seems unconscionable. They know that they instructed us to Return the birds Regardless of lack of Receipt. I can not emphasize that enough. We were instructed and followed all instructions to the letter. Citibank is claiming that they were unable to get the Merchant to Return the funds. Consequently they have Returned the {$2600.00} charges to my Citibank credit card and stated that the matter is closed. Again, I am beside myself over this matter. How can they do this? The Merchant has the birds, the Merchant has the Money! I will be enclosing all documentation regarding this matter including a photograph of the merchant receiving the birds.
I must note that the XXXX XXXX Merchant accepted the birds but would not speak to us or provide a Receipt. Again I must emphasize that the Citibank Agent that very afternoon, XX/XX/XXXX, instructed us to leave the birds regardless of lack of receipt. In Conclusion I would like Citibank to Credited my Account immediately, at their expense because of their inability to retrieve the funds back from the Merchant. I'm seeking your help CFPB, In helping me get this matter resolved, as quickly as possible. I feel Citibank is Responsible for the {$2600.00} because I was advised by them to return the birds to the Merchant documented on their dispute letter to me on XX/XX/2019 also per phone conversation.
Reguards : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Merchant : XXXX XXXX ( XXXX ) XXXX
|
| 08/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
1. On XX/XX/, at approximately XXXXXXXX XXXX, I XXXX XXXX XXXX XXXX deposited a cashier 's check drawn from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX California, XXXX, in the amount of {$7500.00} into my Citibank Checking Account. After completing the deposited transaction, I asked the bank teller when the deposited funds would be made available for withdraw and the bank teller said the next day, on XX/XX/XXXX XXXX
2. On XX/XX/, at XXXXXXXX XXXX., 30 minutes after depositing the cashier check in the amount of {$7500.00} into my Citibank Checking Account, I tried to access my online banking account with Citibank, and the account was blocked, and reflected the message [ sic ] contact Citibank at 1 ( XXXX ) XXXX, because there has an issue with one or more of your accounts that has not been resolved.
3. On XX/XX/, at approximately XXXXXXXX XXXX, I called Citibank at XXXX ( XXXX ) XXXX, and spoke to a Citibank Representative who then stated that the reason my Citibank Chekcing Account was blocked, was because [ sic ] you XXXX XXXX XXXX XXXX has deposited a fraudulent check in the amount of {$7500.00} into your CitiBank Checking account, and we Citibank, has reported you to our Citibank Fraud Department for investigation, and you, XXXX XXXX XXXX XXXX XXXX must immediately call our Citibank Fraud Department, because you are under criminal investigation, because you wrote and deposited a fraudulent check into your Citibank Checking Account, and your Citibank checking account has been closed, and the deposited funds of {$7500.00}, has been reversed back to Citibank. You must call Citibank Fraud Department immediate, at XXXX ( XXXX ) XXXX, and select option XXXX
4. On XX/XX/, at approximately XXXX XXXX., I called Citibank Fraud Department, and a representative said that you [ sic ] XXXX XXXX XXXX XXXX XXXX has been reported to us by Citibank to have deposited a fraudulent check, in the amount of {$7500.00}, into your Citibank Checking Account, on XX/XX/, and for that reason, you are under criminal investigation, your account has been closed, and the deposited funds in the amount of {$7500.00}, from the cashier check you deposited into your checking account, has been reversed back to Citibank N.A. , and you are under criminal investigation by our Fraud Department ; Therefore, you shall not receive any funds from the check you deposited in the amount of {$7500.00}, on XX/XX/XXXX XXXX
5. I then replied that I did not make a fraudulent check, and then deposit it into my Citibank Checking account. I said that someone else relinquished the check to me on payment due regarding a business matter with their firm. Citibank Fraud Department then replied, [ sic ] what is the name, and contract information of the person who gave you the check in the amount of {$7500.00}, in which you deposited into your Citibank Checking Account. I said the person who gave me the check for payment on a business matter is XXXX XXXX. Citibank Fraud Department then said that it needed to contact Citibank and let them know that XXXX XXXX is the person who made, and then gave me the fraudulent check that I deposited into my Citibank Checking Account for {$7500.00}.
6. On XX/XX/, at XXXXXXXX XXXX., I called Citibank Fraud Department, to follow up on the fraud investigation, and was informed that Citibank instructed the Fraud Department to call XXXX XXXX, to inform XXXX XXXX, that she gave XXXX XXXX XXXX XXXX XXXX a fraudulent check in the amount of {$7500.00}, that XXXX XXXX XXXX XXXX XXXX tried to deposit into her Citibank Checking Account.
7. XX/XX/, I have not heard back from Citibank, or Citibank Fraud Department, and my deposited fund in the amount of {$7500.00} has reversed back to Citibank, Im under investigation for fraud, and my Citibank Checking Account has been and deactivated.
8. On XX/XX/XXXX XXXX XXXXXXXX from Citibank Executive Officer Called, to acknowledge the receipt of the Notice of Lawsuit, and to say that Citibank stands by its decision to have accused me, ( XXXX XXXX XXXX XXXX of writing and depositing a fraudulent check into my Citibank Checking Account. XXXX then stated that because of my race, and the amount of the check is what set off the fraud alert.
9. On XX/XX/, I received in the mail, a check from Citibank N.A., written in the amount of {$6600.00}.
|
| 09/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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On XX/XX/2019. I had hired a moving company ( XXXX XXXX XXXX XXXX ) to move my personal belongings from XXXX, XXXX to XXXX, XXXX. They charged me {$32000.00} for the service ( {$6000.00} wason my Citicard double cash mastercard, {$6600.00} was in cash and the remainder was put on my husbands creditcard ). A crew of 4 showed up, picked up my belongings and I was told that it will be safe and they will have everything delivered to XXXX, XXXX the final destination with in 60 days of pick up. I was told me belongings will arrive in XXXX around XX/XX/2019 and for me to have the remaining balance of {$6600.00} in cash only ( No check, money order, or CC ).
I meet the mover at my home in XXXX, XXXX. The guy asked for the balance in cash. I told him I will pay once everything is off loaded. I was told that in the I have contract it states balance must be pain in cash before off loading any belongings. I had no choice but to give him the cash because he told be he will leave with my belongings if I didnt give him the cash first. The Cash of {$6600.00} was handed over and he began to off load my belongings. Keep in mind I paid $ XXXX and was told I needed 2- 40ft containers and 1-20ft container to move all of my things. He off loaded and only delivered 1/8 of my belongings and told me to sign the contract that states I had received all of my belongings in full. I refused to do so and asked where are the rest of my stuff was. He said that's all that he had and I must sign the contract to finalize and close out the contract. I refused and he tried to force to to sign the document. I told him I will not sign it and I will be calling the police. He left my property as soon as I told him that I will calling the police for help.
At this point, I called the main office for XXXX XXXX XXXX XXXXXXXX and talked to the main point of contact personal named XXXX. I had informed her what took place and that I only received 1/8 of my things and want to know where the rest of my stuff was. She was surprised that I didn't receive everything and told me she will get back to me. couple day later. XXXX told me not to worry and that my things were safe in XXXX XXXX and ready to ship out on the next shipment. We waited and waited and every time they had a different excuse for not delivering out belongings.After the deadline of delivery date pasted on XX/XX/2019. I place a call to XXXX only to find out the phone numbers were disconnected. This sent me in a panic mode. My husband and I filed a complaint with the Department of Transportation. I got a call from the DoT investigator informing me that this moving company is currently under an investigation and that there are over 124 victims in similar situation.
With the help of the DoT I was able to located some of my stuff at a self storage facility only 2 miles away from XXXX. They took what they wanted for themselves and dumped the rest and did not make payments for the storage unit for months. The self storage facility tried every week to collect payments from the person who signed the contract with them Named XXXX ( it turns out that XXXX is also XXXX and many other alias names she was using ) but with no success for months. The day I located my things was the day the unit was in the process of being auctioned off. I had to hire a attorney to get an emergency hearing with the XXXX court to to a Temporary Restraining Order to prevent my belongings from being auctioned off. My legal fees added up to {$22000.00} just to secure our things. There was a lot of things stolen by the XXXX XXXX XXXX XXXX.
At this point, my husband I contacted our creditcard company to file an dispute. Citi gave me a conditional credit and asked for document to supper the dispute. I emailed them all the supporting document. Month and a half later the dispute was denied and with a letter indicating " disputing quality of the services received and for the missing or damaged of personal items, we can not place a dollar value as amount of compensation. '' This company scammed us and 124 other customers. They are being investigated for fraud and for a crime. The fact Citi is honoring XXXX XXXX XXXX XXXX and not the loyal customer is absolutely disgusting in my opinion.
I've requested multiple request and filed an appeal but I have been told the decision is final.
|
| 07/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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|
Web |
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Let the record reflect, that I, : XXXX XXXX XXXX, a living woman, the consumer in a credit transaction with CITIGROUP INC. , come with clean hands and in good faith to exercise my rights under the 12 CFR PART 1002- EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ) .CITIGROUP INC., is in clear violation of the Equal Credit Opportunity Act ( Regulation B ) because of the fact that myself, the original creditor, the natural person, has in good faith exercised my right to extend my credit under the Consumer Credit Protection Act, and is now being discriminated against for the usage of my credit. Below are examples of their violations.
CITIGROUP INC. processed and applied my written instrument remittance coupon paper check payment of {$5300.00} on XX/XX/2022 which reflected my account on XX/XX/2022 but later reversed the payment leaving me with an outstanding balance.
CITIGROUP INC. updated my account on XX/XX/2022 denying me of my right to a credit limit increase.
I requested for my credit to be extended, however an adverse action was done against me by not only denying my right to extend my credit but lowering my credit limit that was previously granted.
The Equal Credit Opportunity Act ( ECOA ) prohibits discrimination in ANY aspect of a credit transaction. It applies to but not limited to, ANY extension of credit, including extensions of credit to small businesses, corporations, partnerships, and trusts. The ECOA prohibits discrimination based on the applicants exercise, in good faith, of any right under the Consumer Credit Protection Act.
I have sent a total of 3 Notices of 12 CFR Part 1002 - Equal Credit Opportunity Act Discrimination Violation letters including a Special Power of Attorney revoking and terminating CITIGROUP INC . Arbitration Agreement which were sent and received by CEO XXXX XXXX on XX/XX/2022 at XXXX am. ( XXXX tracking number XXXX ) and also received by their registered agent, XXXX XXXX XXXX XXXX, on XX/XX/2022 at XXXX am. ( XXXX tracking number XXXX ).
The final notice was sent and received by XXXX XXXX, CEO of CITIGROUP Inc. on XX/XX/2022 at XXXX pm according to XXXX tracking number XXXX XXXX XXXX XXXX XXXX as well as Registered Agent , XXXX XXXX XXXX XXXX on XX/XX/2022 at XXXX XXXX according to XXXX tracking number XXXX XXXX XXXX XXXX XXXX.
As of today XX/XX/2022, CITIGROUP INC. has not responded back to any of my claims and have failed to meet the following demands listed in my notice letters and is now at fault : I am demanding my {$5300.00} credit remittance coupon payment be credited and reapplied onto my account no later than XX/XX/2022, along with future remittance coupon payments to be credited and applied to my account. In pursuant to 15 U.S. Code 1691 ( d ) ( 6 ) states, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement.
I demand for my credit to be extended to a {$20000.00} credit limit no later than XX/XX/2022. In pursuant to 15 U.S. Code 1691 ( a ) ( 3 ) states, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter. In pursuant to 15 U.S. Code 1691 ( d ) ( 6 ) states, the term adverse action means a refusal to grant credit in substantially the amount or on substantially the terms requested.
I demand for my current balance on my account to be reduced down to {$500.00} no later than XX/XX/2022, and my account MUST remain open. In pursuant to 12 CFR Part 1002.2 ( c ) ( 1 ) ( ii ) it states an adverse action violation is a termination of an account or an unfavorable change in the terms of an account.
This is my account, this is my credit that I extended out to you, therefore you can not close my account.
This is my public notice that I tried to settle the matters privately but I am now forced to seek legal action under Sections 702 ( g ), 706 ( a ) ( b ), 704 ( b ) ( c ) ( d ), 706 ( c ), and 706 ( f ) of the EQUAL CREDIT OPPORTUNITY ACT in XXXX XXXX District Court due to the clear violation of my consumer rights pursuant to 12 CFR PART 1002- EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ). See attached for all original documentation that was sent to CITIGROUP INC.,, and their registered agent.
|
| 07/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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I, Your Name ( XXXX : XXXX ) a natural human, consumer hereby am notifying you BLOOMINGDALES XXXX that I realized the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to The XXXX law dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Please be advised that I received your statements and coupons from Account of BLOOMINGDALES # XXXX in the amount of {$350.00}. I accept your offer and I am returning your coupon as Tender of Payment pursuant to 3-603 ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Bond coupon Part of bond which is cut and surrendered for payment of one of the successive payments of interest Coupon bonds Bonds to which are attached coupons for the several successive installments of interest to maturity. Benwell v. Newark, 55 N.J.Eq. 260, 36 A. 668 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Coupon notes Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note, and designed to be cut off severally and presented for payment as they mature. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Pursuant to Instrument A negotiable instrument ( defined in U.C.C. 3-104 ), or a security ( defined in U.C.C. 8-102 ) or any other writing which evidences a right to payment of money and is not itself a security agreement or a lease and is of a type which is in ordinary course of business transferred by delivery with any necessary indorsement or assignment, U.C.C. 9- AFQR255 105 ( 1 ) Pursuant to UCC3-603 TENDER OF PAYMENT.
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Pursuant to UCC1-308 Performance or Acceptance Under Reservation of Rights.
( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as " without prejudice, '' " under protest, '' or the like are sufficient.
|
| 02/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
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On XX/XX/XXXX, I opened a new Citibank Account Package at a local branch in XXXX, Connecticut. The branch address is : XXXX XXXX XXXX XXXX, XXXX, CT XXXX, XXXX. The banker whose name is XXXX XXXX, helped me opened the account and enrolled me in a promotional offer of {$300.00} if certain requirements are met in a given period of time. The account opening process was quick and fluent.
After I opened the account, I did what were listed on the bonus checklists. And near the end of XXXX, I thought I fulfilled all the requirements for the promotion so I reached out to Citibank just to confirm this. The representative told me she needed to open a case for me and would get back to me in a few days. On XX/XX/XXXX, I received an email from Citibank with a document attached. The document was assigned with the same case number I got before. And it clearly confirmed my eligibility for this {$300.00} bonus. It does not specify the date that I would receive the bonus. It just mentions that the bonus would be credited within 90 days. After receiving this document, I thought everything should be fine. But I was totally wrong. This was just the beginning of a nightmare of calling Citibank again and again!!!
On XX/XX/XXXX, I received a weird email from Citibank. It seemed to be created automatically by the system. The email said I wasn't eligible for the bonus. So I contacted Citibank immediately. It took me 20 mins to explain to the agent what was going on. I was put on hold for another 10 mins. He finally came back and told me to disregard the email I received, it was sent out by error. I asked when I would receive the bonus, and he told me that the bonus would be credited on XX/XX/XXXX. You know what, I believed what he said at that time. What a joke!!!
On XX/XX/XXXX, I checked my account balance, {$300.00} did not show up. So I contact Citibank again. This time I tried not to waste any time talking to clueless front line customer service rep and requested to talk to a manager. A few minutes later, a manager came. She was briefly informed of my case by the front line rep. But she still asked me for some more additional information for verification. Eventually she promised me I was eligible for the bonus and it would show up end of XXXX. I was skeptical of her words this time so I asked for her direct line in case the bonus not being credited on time. She said she doesn't have a direct line but she would check my account on XX/XX/XXXX. If the bonus does not show up on XX/XX/XXXX, she would call me up during lunch time on that day. Again I believed her words. The words from a Citibank Customer Service Manager!!!
On XX/XX/XXXX, it did not surprise me that the bonus was not credited. So I decided to wait for her call. The whole lunch time, the whole afternoon, from XXXX to XXXX she DID NOT CALL!!! It's so unbelivable that people who work at Citibank are so untrustworthy, at least those who work at customer service sector. I was so frustrated on that day. After work, I contacted Citibank again. I requested to speak to another manager and escalate my case. I was transferred to a manager whose name is XXXX. Since my case was already noted, she knew what was going on and told me she needed to look at my account activity. After a long time hold, she came back saying that I fulfilled all the requirements on XX/XX/XXXX, I should get my bonus on/before XX/XX/XXXX. To be honest, I was a little mad at that time. I simply asked what's next if the bonus still doesn't show up on XX/XX/XXXX. She seemed to get I was a bit emotional and promised me that the bonus would definitely show up before that date. I also demanded talking to the previous manager who made a promise to call me back yet failed to do that. She said that manager was not available at the time and would leave her a message asking what's going on. She also told me I would receive a email regarding this.
Today is XX/XX/XXXX. Right now it's 5 days past the date the last manager told me. I still haven't received the bonus. And I haven't been contacted by any means from Citibank. I'm sick of calling back to Citibank or/and talking to any customer service rep/ manager. They are useless and clueless. They don't care what the customer is experiencing and don't address any issue. And that's why I'm making this complaint.
|
| 03/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I have had a Citibank card since XXXX of XXXX. I have always always paid my bills on time and have always used the card responsibly, by which I mean not giving anyone else access to my account, not using it to make purchases from questionable or insecure websites, and maintaining strong security measures on my personal computer. Nevertheless, beginning in XXXX of XXXX, there were four instances of fraudulent use of the card. In the first three cases, Citibank identified transactions as potentially fraudulent, notified me promptly, received confirmation from me, and issued new card numbers. The third time this happened, I had had the new card only a week and used it perhaps once, which I regard as proof that the information breach did not occur as the result of any carelessness on my part. Around the middle of the year I began taking advantage of the fact that Citibank offers customers virtual card numbers that their website claims are virtually impossible to steal.
The fourth instance occurred on the evening of XX/XX/XXXX, when a series of transactions and attempted transactionsusing a virtual card numberhappened within the space of just a few minutes. Citibank informed me of only one of these, which it had declined. Four unauthorized purchases from online retailers had already gone through, and my account was charged a total of {$1100.00} for items I had not bought. During a lengthy telephone conversation I disputed all of these charges. I was informed during this conversation that my card had been cancelled, as had occurred on the three prior occasions. I monitored my account daily thereafter and grew increasingly agitated when, not only were the fraudulent charges not removed, Citibanks website stated that no charges had been disputed.
My agitation grew when four packages arrived, addressed to me, from retailers I had never done business with ( and in three cases had never heard of ), containing things I would never have dreamed of buying. I made contact with all four retailers, explaining the peculiar situation, and all four packages were returned. I can not account for the fact that the person who made fraudulent use of my card had their purchases sent to me ; it has made the entire process much more difficult than it would have been otherwise. Over the course of several weeks I spent untold hours on the phone with Citibank and the four retailers, and wrote Citibank six succinct and detailed letters requesting that the fraudulent charges be reversed and, finally, closing the account entirely. On XX/XX/XXXX, a week after the event, I paid Citibank every cent remaining for which I was responsible. ( At that point, Citibank actually owed me money, for cash-back programs and interest on the purchases I had not made, but I could not calculate the precise amount. ) The Citibank website has no mechanism for making contact other than insisting that all issues must be dealt with by phone. After the truly horrendous conversations I had already had, I refused to submit myself to their abuse again. In addition to incompetence and ill treatment by their telephone personnel, their phone lines ( in other countries ) are substandard, such that it was almost impossible to hear the people I was speaking with. Note that I am not hard of hearing and have no such problem talking with any other company on the phone. There has never been a response to any of my six letters.
It appears that three of the four charges have been reversed, presumably by the retailers involved. One charge remains, which I have no obligation to pay. Citibank has recently reported to XXXX that my account is in arrears, and my credit rating has gone down significantly. When I filed a dispute with XXXX, providing all the details, their response was that the information was correct and that my credit report would not be revised.
Not only has this event been a colossal waste of my time, the way I have been treated by Citibank has had a negative effect on my physical and emotional health. It has now occupied my mind every day for nearly three months. Even now, as I describe the situation yet again, I literally feel my XXXX XXXX XXXX XXXX XXXX XXXX rising to an alarming level. I have been treated despicably by Citibank and urgently request your assistance in clearing my name and my credit.
|
| 05/03/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I sent an International transfer to XXXX company on XXXX / XXXX / XXXX , which returned to me the next day. I was charged {$35.00} for outgoing transfer, then another {$35.00} as explained to me by XXXX bank sending the transfer back to my account and {$15.00} for incoming transfer. Total l ost on this {$85.00} I called wiring department. I spoke to XXXX different people and they gave XXXX different reasons for the return : 1 ) there is no such account # at XXXX bank ( I got a confirmation from the XXXX bank that they do have this account for US Dollars and it 's correct ), 2 ) the account should be XXXX digits not XXXX ( again confirmed by XXXX bank that the account is XXXX digits, besides the fact that I wired money to other XXXX companies and their accounts always had XXXX digits ) 3 ) - XXXX banks require a lot of additional information such as - purpose of the transfer, INN, KPP. ( again - all other transfers went without INN or KPP and no one ever requested that ). I followed up with a second attempt to send the transfer - this time indicating all this additional information such purpose of the transfer, INN and KPP. Second transfer got back with another {$85.00} in bank fees. I should note that not a single time I received a call, email or any form of notification from Citibank as king for any additional info or just informing me that there is a problem with the transfer. Next step. I double- and triple-checked the bank info with XXXX company. They went to their bank and the bank started an official investigation. They requested a letter from Citibank stating the reason for the return of the transfer. It would seem logical that Citibank would have that available immediately - the transfer got returned the next day each time after being sent. You would think the XXXX bank rejecting the transfer would send it back with some sort of formal indication of the reason. However, for more than a week I can not get this letter from Citibank . I sent a message with this request on XXXX XXXX and received a response that a case got opened and I would receive an email with requested information within 2-3 business days. Nothing was received in 3 days, I sent another message on XXXX XXXX and got a response that it should come no later than XXXX XXXX . Nothing received by XXXX XXXX . I am calling the bank and simultaneously sending another message. Response to an online message - your case is still under investigation and allow 24-48 hours more. Response by a rep on the phone - the same. I asked for Supervisor. His name is XXXX , he refused to give his last name but his ID is XXXX . He says immediately that he can see that the case was closed already on XXXX XXXX . And the letter got generated and being mailed to me. Allow it 7 business days. He suggested that I can go to the branch and it 's available for me be printed there. I get frustrated with this inconsistent information I am being given by incompetent employees and next day go to the branch. Employee by name XXXX XXXX starts " helping '' me. He had no way to check the case by it 's # and of course there is no letter or any kind of document with requested information he can print for me. But he started calling wiring department, and getting information on why the transfers got returned. I asked him not to repeat this information to me again since I 've already heard it multiple of times and it was all diffferent each time. And I am not willing for him to do it all over again for me. All I need is a letter with the reason for the return. While talking to the wiring department he keeps playing with his fancy watch, seeemingly being disinterested in paying attention to the problem. I get frustrated with him and ask for his Manager, her name is XXXX XXXX . She assures me that this is the only thing they can do : to send another message to the wiring department ( which I did three tim es already ) and ask them to email the letter to them. And once they receive it - they will call me and I can stop by and get it. Seriously? All these people wasting their life at working for Citibank, saying they are not responsible for what another person says and seemingly not knowing what they are doing.
|
| 03/27/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Roughly 1 year ago today, I hired a contractor based out of XXXX, NY to help with an exterior and kitchen renovation for my home in the mountains, about 45 minutes away. With a large wedding planned on the property for XX/XX/XXXX, my fiancee and I wanted to make sure the house was as nice as it could be. In XX/XX/XXXX, I gave my XXXX XXXX card to my contractor to pick up supplies as needed for the job on the way up to our house. Several weeks later, my fiancee had a XXXX in the middle of the night. Over the course of the next 2 months, she was found to have a XXXX XXXX, I married her legally in the hospital, she needed to have XXXX XXXX and she was then found to have XXXX XXXX XXXX XXXX. On XX/XX/XXXX, during this period of intense personal and financial struggle ( she was no longer able to work, hospital bills, etc. ) my contractor began making fraudulent charges on my account. And while we were consumed with wedding cancellations, XXXX 's, XXXX and existential trauma, he went on to make a total of 34 fraudulent charges, totaling just under {$8000.00}. He bought himself and his crew expensive new tools, shop vacs, etc, and bought all the supplies needed to build someone else 's fence and remodel at least one other person 's bathroom. Meanwhile, we were so immersed in the chaotic, dramatic and dire life-and-death situation we faced, I did not notice the extraordinary balance on this account until XX/XX/XXXX, long after he had stopped showing up for work - leaving me with a half-finished kitchen. I immediately froze the account, pored over every statement, compiled a list of the charges, and presented them to the fraud department of Home Depot Credit Card which is a product of CITIBANK.
It took multiple calls and over a month for CITIBANK to confirm receipt of the faxed materials they had me send. It was told it sometimes took that long to open a fax. (!? ) Initially, they credited every charge back to my account, which was a MAJOR relief. And as I waited until XX/XX/XXXX for confirmation that the charges had been cleared ( 2 months after I filed the complaint ), I began seeing every charge reappear on my account! CITIBANK had determined that this was equivalent to handing your child a credit card to buy ice cream and he returns with a new pair of sneakers and that I would be responsible for every single charge. This was not the case. This is the case of professional contractor willingly committing 34 individual accounts of fraud over 6 months ( averaging about {$400.00} per visit ) against a couple that was struggling with early onset XXXX XXXX. Over and over again, even 2 months after he stopped showing up for work.
I was stunned to learn that CITIBANK had made this judgement and upon their request, filed a police report naming the contractor ( though we are trying to avoid confrontation for our own safety reasons. ) This person was never officially a registered user on my card either, as can be confirmed on the website, they just flagrantly and frequently abused the system, conning not just me but the other clients he was buying materials for.
I have asked CITIBANK to reconsider, to review the security footage, to transfer these charges to his account directly and no accommodation whatsoever has been made. There has been no pursuit of the contractor, only a repeated declaration that I am at fault and must pay the balance in full.
Meanwhile, I am struggling with my own debt, accrued trying to finish the renovations myself. This situation has tanked my credit score and I was rejected for a HELOC because of my debt-to-income ratio. Charges on the card usually carry a 6-month XXXX interest free period, but I only found out about these charges in XXXX and CITIBANK took 2 months to let me know that I am responsible for the charges. And so now, EVERY MONTH, there are very high balances due and deferred interest is skyrocketing.
CITIBANK has told me to pursue this as a civil issue through the courts when neither they nor the police officer who filed the report thought it would achieve anything more than creating more interest and more debt on my end.
The handling of this situation by CITIBANK has been inhumane and predatory, if not criminal. As a consumer, I am at a loss and unable to keep up with the financial devastation this has wrought.
|
| 07/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I, Your Name ( XXXX : XXXX ) a natural human, consumer hereby am notifying you MACYS that I realized the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to The XXXX XXXX dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Please be advised that I received your statements and coupons from Account of MACYS in the amount of {$1000.00}. I accept your offer and I am returning your coupon as Tender of Payment pursuant to 3-603 ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Bond coupon Part of bond which is cut and surrendered for payment of one of the successive payments of interest Coupon bonds Bonds to which are attached coupons for the several successive installments of interest to maturity. Benwell v. Newark, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee Bond CaseXXXX 114 U.S. 663, 5 S.Ct. 974, 29 L.Ed. 281.
Coupon notes Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note, and designed to be cut off severally and presented for payment as they mature. Williams v. Moody, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Pursuant to Instrument A negotiable instrument ( defined in U.C.C. 3-104 ), or a security ( defined in U.C.C. 8-102 ) or any other writing which evidences a right to payment of money and is not itself a security agreement or a lease and is of a type which is in ordinary course of business transferred by delivery with any necessary indorsement or assignment, U.C.C. 9- AFQR255 105 ( 1 ) Pursuant to UCC3-603 TENDER OF PAYMENT.
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Pursuant to UCC1-308 Performance or Acceptance Under Reservation of Rights.
( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as " without prejudice, '' " under protest, '' or the like are sufficient.
|
| 02/16/2021 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Confusing or misleading advertising
|
|
Web |
|
|
Dear Friends at CPFB, I graduated from college back in XXXX and soon after the Public Service Loan Forgiveness act was passed. I was very excited to hear about this program since I was over {$20000.00} in debt and excited to start my career as a woefully underpaid XXXX XXXX XXXX
Graduating college while working full time was a huge and maddening endeavor on its own. Immediately after graduation, I then began scattering to find a job in my chosen career so that I can put my education to good use for the children of this nation and, hopefully, all of mankind.
At some point after graduation and when the FSLP was being signed into law, I began getting phone calls from Citibank and put them off several times until, one day, I happened to have time to hear their sales pitch. They were very excited about the current low interest rates at the time and made me feel like it would be foolish not to consolidate my Federal Direct loans immediately, while the rates were so very low.
I was young, naive, and this was my very first time owing money to anyone at all. I was overwhelmed at the time, very concerned about how I was going to afford the payments on this massive loan, and had zero experience in the real world. It sounded like it would really simplify my life and save me lots of money in the long term. I thought nothing of it and, of course, did it.
About 12 years later, I was so excited to finally hand in all the paperwork for my PSFL. I had worked tirelessly as an underpaid public servant and made my 120 payments only to find out that the loan that I now have ( that has since been transferred from Citibank to XXXX ) is not eligible for PSFL and that I would have to switch to a Federal Direct loan and start my ten years worth of service and payments all over again.
I recently saw that the CPFB helped to find multiple legal violations on the part of Citibank, where they were fined a great deal of money. I greatly appreciate your agencys efforts in fighting for the people and truly hope that I can find similar recompense for this offense that I have encountered.
I have a sneaking suspicion and strong belief that Citibank ( possibly in cahoots with our own government ) made a concerted effort to get young and naive new graduates to consolidate their loans in order to make sure that the loan never needed to actually be forgiven down the road. I was wondering if this was an issue that has ever been brought up by others and if there are any avenues for recourse for someone in my position.
I guess that ultimately, I did not do my due diligence to assure that the loan consolidation was truly right for me. I wish that I was more wise and jaded back then and maybe I could have identified this rouse before being tricked like I was. But doesnt it seem odd that the interest rates happened to go way down immediately after the PSFL bill was passed and then immediately after, Citibank starts making relentless sales calls to lure people out of their direct loans.
At the time, I was young and idealistic and would never expect the world to do such things to people, but now I feel like I have learned a lot more about the sad state of affairs in the profit at all cost financial system we live in and the whole thing sure seems like foul play to me.
All in all I am extremely disheartened to learn that I dedicated over ten years of my life in service of the public believing, all along, that I would be rewarded for my tireless efforts. I am tempted to just stop paying the loans, simply on principle and to give up my career in public service for more lucrative employment because I am seriously jaded and angry. I dont believe that this was the intended result when the lawmakers of the time passed this bill but, thus, here we are.
I believe that I have affected and improved the lives of hundreds of children during my years as a XXXX XXXX and I would like to continue to do so. I am just at a crossroad now with my first child and a new partner who has XXXX boys of her own and it just feels like I may not be able to continue working for the insulting wages that teachers are paid in most of the country .... especially not after being as wickedly duped as I truly believe I have been.
Any support or guidance in this matter is so very appreciated.
Sincerely, XXXX
|
| 01/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On Sunday, XX/XX/2021, I called XXXX XXXX to switch my cell phone service from a post-paid account to a pre-paid account. On this day, I was double charged for the first month of service plus sales tax ( {$40.00} + {$2.00} = {$42.00} ) by the sales team. I was told by the customer service rep/sales agent they could not see the first transaction on their end which is why they requested me to approve another charge for {$42.00}, despite having two email receipts from XXXX confirming both charges. The customer service rep/sales agent could not locate the first charge with the information I provided from the receipt and I was therefore promised this charge was likely pending on their end and would fall off my account in the next 2-3 business days. Please see attached for both receipts with information : 1. Order # XXXX generated on XX/XX/2021 at XXXX ET from location XXXX XXXX. Order # XXXX generated on XX/XX/2021 at XXXX ET from location XXXX These will show that the two transactions happened on the same day for the same amount, just a couple of hours apart. The first charge ( Order # XXXX ) could not be found in the XXXX system and they promised me it was only pending since they could not see a completed transaction despite me having a receipt from them. The second charge ( Order # XXXX ) was only authorized as XXXX told me the first charge was not actually run. I would have never authorized a second charge for the same bill.
In fact, on my account page for XXXX, they entered the first payment as " Cash '' which is entirely false as I was on the phone. Please see attached for a screenshot of my account.
On Wednesday, XX/XX/2021, I checked my Citi account and saw that both charges for {$42.00} had posted and one did not, in fact, fall off. On this day, I went to a XXXX store in person in XXXX XXXX, NJ as I could not get a customer service rep on the phone for this matter. At the store, the store XXXX could not help me with a pre-paid account issue but was able to help me connect to a customer service agent on the phone to help with this matter. After speaking to a rep for over an hour, the rep in fact found both charges and agreed one was an error and would refund my card. I was given the confirmation number # XXXX that my Citi card would be credited {$42.00} within two business days.
On Monday, XX/XX/2021, I checked my Citi account and saw there was no pending refund from XXXX and the two charges were still on my account from the XXXX. At this time, I filed a dispute with Citi for one of the charges ( as the other is correct for my first month of pre-paid mobile telephone service ).
On XX/XX/XXXX, I received an update from Citi saying you have researched this matter and XXXX told you they were issuing me a prepaid card for the refund. Not only did I never receive a prepaid card, that information is not accurate as they told me on the phone on XX/XX/XXXX they were issuing a refund to my credit card on file.
On XX/XX/XXXX, I was told by Citi they would not honor the dispute. There seems to be a great lack of detail from their end as to why despite showing two receipts from the same day.
In summary, I was charged twice on XX/XX/XXXX for {$42.00}. I did not authorize XXXX to charge me twice as I was only paying for one month of pre-paid cell phone service. I did not violate any of their terms and services and this charge was not authorized and it is not a return of goods.
I have reached out to XXXX and spent over 7 hours on hold and speaking with their customer service team. I have reached out to Citi to dispute the double charge. I am at a loss. I was overcharged by XXXX. XXXX can not accurately keep records as per my account page. XXXX promised a credit card refund but told Citi they would do a prepaid card refund. And Citi does not see the error in any or all of this.
I have tried to resolve this myself but have not had any success. Please let me know if you need any further information from me about this issue.
Please note, I originally used my Citi card ending in XXXX. My card information was stolen on XX/XX/XXXX and thus I had to close that card and get a new card number. My new card ends in XXXX. The accounts are linked on Citi and all information should be present for this matter.
Thank you in advance for your assistance!
|
| 05/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I HAD AN EMERGENCY PLUMBING SITUATION IN MY HOME AND CALLED A PLUMBER, XXXX XXXX. I ASKED HIM FOR AN ESTIMATE, WHICH HE PROMISED TO EMAIL AND NEVER DID. HE THEN SAID HE WOULD BRING IT WITH HIM AND NEVER BROUGHT IT BUT WHEN HE DID SHOW UP HE TOLD ME THAT I NEEDED WORK DONE, THAT WAS A SURPRISE TO ME. NO OTHER PLUMBER IN THE 23 YEARS I'VE LIVED HERE HAS EVER MENTIONED IT. XXXX XXXX SAID THAT HE WOULD NOT DO THE EMERGENCY WORK UNLESS HE DID A BUNCH OF PIPE REPLACEMENT. THE MAIN PROBLEM WAS THAT MY SUMP PUMP WAS BROKEN AND WITHOUT THAT, MY BASEMENT WAS IN DANGER OF FLOODING AT WHICH POINT I WOULD LOSE A {$10000.00} BOILER, HOT WATER HEATER AND STORED ITEMS, NOT TO MENTION THE MOLD THAT WOULD HAPPEN WITH 5 FT OF WATER IN THE BASEMENT. AFTER SITTING IN FRONT OF ME WITHOUT A MASK ( I AM HIGH RISK OF XXXX FROM XXXX AND ASKED HIM TO WEAR XXXX WHICH HE DID NOT ) AND RUNNING RINGS AROUND ME WITH FAST TALK, HE BEGAN THE WORK. BY THE TIME HE FINISHED DOING WHATEVER HE DID, I WAS UTTERLY EXHAUSTED. HE NEVER ONCE PRESENTED ME WITH DETAILS ABOUT WHAT WAS DONE. THIS IS WHAT THE PROBLEM IS : -HE REFUSED TO GIVE ME PAPERWORK FOR THE SUMP PUMP SO I COULD REGISTER IT AND THEREBY GET A WARRANTY -HE REPLACED A BATHROOM SINK BUT THE WORK WAS SHODDY. HE ONLY REPLACED HALF OF WHAT WAS REQUIRED, LEAVING ME WITH OLD PARTS AND WITHOUT A TOOL, WHICH COMES IN THE BOX, TO REMOVE THE SCREEN TO CLEAN OUT DEBRIS FROM THE FAUCET. HE PROMISED TO BRING IT ONLY IF I GAVE HIM AT LEAST {$200.00} MORE WORK. HE REFUSED TO SEND IT IN THE MAIL. ADDITIONALLY HE REFUSED TO PROVIDE THE DETAILS OF THE FAUCET SO I COULD REGISTER IT IN ORDER TO OBTAIN A WARRANTY. I DO NOT EVEN KNOW THE MODEL NUMBER OR SERIAL NUMBER WHICH I NEED TO REGISTER IT. I DO NOT HAVE THE TOOL TO REMOVE THE SCREEN SO DEBRIS IS BUILDING UP IN THE FAUCET ( SLOWING DOWN THE WATER FLOW ). I CAN'T ORDER IT FROM THE MANUFACTURER BECAUSE I DO NOT HAVE THE MODEL AND SERIAL NUMBER.
I REQUESTED HIS INSURANCE INFORMATION WHICH HE REFUSES TO PROVIDE. WHAT IS HE HIDING?
I HAD ANOTHER PLUMBER HERE RECENTLY WHO WAS SHOCKED AT THE THINGS XXXX XXXX DID AND JUST AS IS SUSPECTED, THE WORK WAS UNNECESSARY. THE PIPES HE INSTALLED UNDER THE WASHING MACHINE ARE LEAKING AND I CAN'T GET TO THEM SO MOLD IS NOW GROWING UNDER THE MACHINE AND THE LEAK IS CAUSING DAMAGE TO THE STRUCTURE OF MY HOME. AS THE PLUMBER SAID : I'VE LIVED HERE FOR 23 YEARS AND WHEN I BOUGHT THE HOUSE I OBTAINED A CERTIFICATE OF OCCUPANCY, HAD THE HOUSE INSPECTED, HAD THE MORTGAGE COMPANY INSPECT IT, HAD CENTRAL XXXX HERE, HAD A VARIETY OF ESTABLISHED PLUMBERS OVER THE YEARS, HAD A PRIOR SUMP PUMP INSTALLED, HAD PRIOR PIPES UPDATED, HAD MY HOME INSURANCE INSPECTOR HERE, HAD THE TOWN WATER DEPARTMENT HERE FOR ANOTHER ISSUE WHO LOOKED AT ALL THE PIPES... AND AT NO TIME DID ANYONE EVEN MENTION WHAT XXXX XXXX SAID WAS ILLEGAL PLUMBING. HE SCAMMED ME. HE IS THE PROFESSIONAL.
XXXX XXXX SCAMMED ME HE LEFT ME WITH WORK THAT WAS UNNECESSARY, REFUSED TO PROVIDE WHAT ANY OTHER NORMAL/HONEST PLUMBER WOULD PROVIDE. I CAN NOT REGISTER THE PLUMBING FIXTURES WITHOUT THE INFORMATION, CAN NOT CLEAN OUT THE DEBRIS FROM THE FAUCET HE INSTALLED, PIPES ARE LEAKING AND PARTS ARE MISSING. ME XXXX SCAMMED ME.
I WANT TO ADD THAT XXXX XXXX IS A VERY SCARY PERSON ... WITHOUT GOING INTO INSULTING DETAILS..HE IS SCARY!!!! YOU WOULD NOT WANT TO TANGLE WITH HIM IN PERSON.
I WAS SCAMMED AND XXXX XXXX DOES NOT ADDRESS EVEN ONE ITEM IN MY COMPLAINT. HE DID NOT RETURN TO FIX PROBLEMS, DID NOT PROVIDE NECESSARY DETAILS/PAPERWORK.
CITIBANK IS SIDING WITH THIS PLUMBER SCAMMER WHICH IS OUTRAGEOUS. IF I DO NOT GET MY MONEY BACK I WILL CUT UP ALL MY CITICARDS AND NEVER USE THEM AGAIN.
I WANT JUSTICE. SURELY THERE IS A LAW ABOUT SCAMMED AND INTIMIDATING A SENIOR CITIZEN. PLEASE RETURN THE MONEY I WAS DEFRAUDED OUT OF.
XXXX XXXX HAS PROVIDED NO RESPONSE TO ANYTHING I'VE SENT TO YOU ... MY REASONS ARE VALID BUT XXXX XXXX CAN NOT DISPUTE THEM SO HE IGNORES THEM. YOU HOWEVER HAVE AN OBLIGATION TO ME, YOUR CARD HOLDER WHO PUTS TRUST IN YOU, NOT TO HELP A SCAMMER, DISHONEST PLUMBER, SWINDLER, GET AWAY WITH THE WRONGS HE HAS DONE TO ME.
I CHECKED WITH THE XXXX XXXX XXXX AND CITIBANK HAS SOME TERRIBLY GOVT SUITS AGAINSTTHEM AND THE LOWEST RATING THE XXXX CAN GIVE. NOW THEY ARE SIDING WITH A RIP OFF SCAMMER.
|
| 03/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
I disputed a transaction. I paid {$120.00} to XXXX XXXX in XX/XX/2022. I disputed the transaction at the time with Citibank because XXXX XXXX charged me {$120.00} for an oil change. When I got the car after 3 hours the change oil light was still on. The tires were not rotated. The tires were not inflated as requested. I do not drive much as I am XXXX almost and XXXX and I get a small pension which gets deposited every month into my Citibank account, but I guess Citibank does not like getting regular retirement funds. They don't like old people ; they don't like XXXX people and they don't like customers. I do have problems talking because they don't understand or care about people in the US with banking problems. They are in the XXXX. What do they care? All they want to do is up the metrics and charge Citibank. I am not sure who is taking advantage of who but having to call over 40 times in two days and not getting a resolution is bad. However, since one bank has failed today, I am pretty sure that none of these people will have a job on Monday. It sucks. I have been out of work for three years and I must watch every penny.
I have called Citibank over 40 times in the past two days. The reason that it is 40 times is that the customer service reps in the XXXX only get paid $ XXXX. So, what they do is hang up the phone and say the customer was rude. But the Citibank don't like me recording all the calls or doing a live stream on XXXX about how bad the customer service is at Citibank. But really, they should be paid more money because Citibank is not paying them enough, so they have to pad their invoices to reflect the metrics of a customer having to call more than 40 times to get a simple matter resolved. I can not believe i been talking to a supervisor in the XXXX who after 20 minutes doesn't know my name. I am pretty sure the CSRs are padding their invoices. Because if they don't resolve an issue in 40 calls it means they don't want to. XXXX the supervisor that I am talking now, but really not talking she is trying pad the length of time on the phone so she can make more than the $ XXXX that they pay her but still they hang up the phone, say I am rude, say I am nasty, but they are so so rude. XXXX hung up the phone at XXXX minutes. These CSRs are so rude. They are unbelievably rude. 40 phone calls to resolve a dispute is super bad metrics. Now XXXX is the whole I can't hear you thing in preparation to hang up the phone. The reason I know this is going to happen is because of the 40 phone calls I already made to Citibank. This is what they do. They say the customer is being rude then they hang up and they tell Citibank the customer was rude but they don't look at stealing money or paying people without authorization isn't or mistreating a XXXX elderly as abuse. I guess it must blood sport because they must enjoy beating on an old lady with a fixed income. XXXX has wasted 31 minutes 34 sec of Citibank 's money. Undoubtedly, she is going to be charging Citibank for XXXX seconds because she doesn't know how to do her job. She asked me my name about 4 times she even used my name in conversation then she hung up the phone.
I am now talking to XXXX. So far on this phone it has been 17 minutes and 42 seconds and they still haven't done anything to resolve the call.
I am disputing a XXXX duplicate charge to XXXX. I am also disputing a {$110.00} payment to XXXX that I did not authorize and the {$120.00} to XXXX XXXX
After about 30 calls yesterday Citibank said that if I send them the picture of the dashboard of my car that has the oil change light still on, and the tire problem, the tires are not inflated. And personally, I think charging {$120.00} especially a XXXX yr old woman for an oil change that I don't think happened because the change oil light is still on.
Citibank said if I send them the picture, they will re-open the dispute. At this point I am owed {$240.00}. Citibank is refusing to even consider the dispute. Even after they said they would.
Citibank is refusing to deposit the money back into my account because they discriminate against old people and people with a disability. Citibank is bad at their job if they cant resolve a customer issue in over 50 calls so far. They also enjoy beating up on old people. Again, its blood sport.
|
| 05/25/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
In XX/XX/XXXX , I obtained a Home Equity Loan wi th CitiFinancial now called OneMain. The contract was put on file with our county title an d deed office as a second mortgage securing the loan. After XXXX from the XXXX in XX/XX/XXXX , I began a career with XXXX XXXX . The money from this loan was used to pay {$10000.00} for training and lodging in XXXX Georgia with XXXX . I was hired in XX/XX/XXXX after completing the training and on XX/XX/XXXX " XXXX XXXX '' I was laid off for 9 months. During this time of unemployment, I made every attempt to renegotiate the payments with the local branch manager. Pa yments were put on the back but I could not make them. Eventually, the manager invoked a Judgment Lien o n the home in XX/XX/XXXX . I was called back and laid off until in XX/XX/XXXX I decided to file for Chapter XXXX protection to prevent Foreclosure. I had XXXX previous failed Chapter XXXX because of lack of funding. I eventually was hospitalized for XXXX and became unemployable. In XX/XX/XXXX , my pay stabilized with my VA XXXX and I was able to make repairs to my home. In XX/XX/XXXX , I filed for CH XXXX to stop the collections, foreclosure and legal proceedings. The trustee required that I repay all debts at 100 % which was completed XX/XX/XXXX . During the repayment plan, XXXX XXXX XXXX bought the debt from CitiFinancial o f which I paid {$8900.00} of this debt. CitiFinancial did not respond to the filing at the XXXX meeting and did not get paid the $ XXXX that was left on the secured side of this loan. In XX/XX/XXXX , I received a letter from CitiFinancial/OneMain CONGRATULATING ME on the FORGIVING 2ND MORTGAGE DEBT and also issued a XXXX with the secured amount that was still outstanding. Probably thinking that I was going to have to claim this as income on my XX/XX/XXXX taxes. NOT! I reached out to my trustee 's office who in turn gave me the number to the IRS Insolvency Unit which is in the same Federal buil ding in XXXX . She informed me that I was insolvent and did not have to repay this debt. I requested my attorney to seek permission from the trustee to incur debt so I could pay my Chapter XXXX early and make home repairs with a VA CASH OUT REFI. The motion was approved and I proceeded to seek a lender that would approve me. XXXX XXXX XXXX XXXX and XXXX were the XXXX lenders that I reached out to only to be denied. I asked why and the only answer I got was the fact that there was a lien on my title which prevented the loan from being approved. All other guidelines were met but that is what denied the loan. I reached out to the county title and deeds office and was informed that the 2nd mort gage was lien free and that there may have been an issue with computer systems that track these things being outdated. I decided to wait until XX/XX/XXXX when I was about to close o n my Chapter XXXX . When my case closed in XX/XX/XXXX , I began to consider the option of purchasing compared to a va refi-cashout for repairs. So in XX/XX/XXXX , I was given a discharge date from my attorney and began the process to purchase a home. XXXX and XXXX XXXX XXXX XXXX are in the final stages of finalizing my closing for the home. Using the payment history during my Chapter XXXX and not missing any payments allowed me to be approved. Today, XX/XX/XXXX I received a call from the Title Company that is handling my loan stating that I have a Judgment an d Lien st ill enforced on my current property. After speaking to the woman, I informed her that this was impossible because this was removed from the title last year. After calling the County Ti tle and Deed Office the Lien was removed but the 2nd Mortgage and Judgment was still in place. I decided to use my attorney and get information. He informed me that since I had received the XXXX this debt was no longer enforceable by the judgment. I called CitiFinancial Bankruptcy/Recovery Department XXXX and was given the run around. This company failed to clear up the rest of the legalities after they FORGAVE the 2nd MORTGAGE and now I am paying for it in so many ways. If I lose this loan because of their failure to remove this judgment I will definitely loose it.
|
| 09/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
Hello, My name is XXXX XXXX and I am customer of Citibank. I have been a valued client with this banking institution since XXXX. I recently made a purchase with XXXX XXXX to stay at one of their host properties for a recent family vacation this past XXXX. I made the reservation back in XX/XX/XXXX and my Citibank debit card ending in XXXX was charged for the total amount of {$1300.00}. When I arrived at the XXXX XXXX rental, I noticed that the unit that I reserved resembled nothing close to what I booked and purchased online. The unit was also unsanitary, it had not been visibly cleaned, there were live bugs noticed throughout the unit, the sheets were dirty, there was mold in the washer, dryer and bathrooms, the unit smelled like mold and mildew, there was paint chipping off the walls and the furniture was old and outdated.
When I addressed this with XXXX XXXX, I was informed by the host that they do not offer refunds and would move my family and I into another unit instead. We moved to another unit and the condition of the second property was just as bad and uncomfortable as the first. I contacted XX/XX/XXXX XXXX to address this matter and they informed me to speak with the host. I explained to them that the host and I had previously spoken and that he refused to offer a refund for the level of dissatisfaction and false advertisement that he placed on XX/XX/XXXX website. XXXX XXXX refused to do anything further to resolve the situation and make things right. Not to mention, this was my first time using their service and the worst experience that I have ever had staying in a vacation rental property.
I immediately noticed Citibank of the situation and explained in great detail the communication that I had with XX/XX/XXXX XXXX and their associated host. I have photos showing the false advertisement of the unit, series of issues that we ran into as far as bugs, mold, mildew, uncleanliness, etc., and the poor level of experience that we received in renting the XXXX XXXX property.
When I contacted Citibank 's Fraud Department, they stated that they would fully investigate the matter and offer a provisional credit- pending that I submit the requested documents and explain the case. I followed through and sent the requested materials over immediately. Citibank offered a provisional credit of {$1300.00}. However, last week I received a letter in the mail stating that they were going to close the case and reverse the provisional credit that was offered to me back in XXXX. They also stated in the letter to contact them if I would like to file an appeal. I did reach out to Citibank requesting to file an appeal and explained that I am not pleased with their decision given that I was a victim of a false advertisement published by XXXX XXXX and that their company failed to do anything to make this right. Citibank has caused my bank account to go into the negative by over {$1300.00} and they have failed to do the right and just thing by their valued customers. I have banked with their financial institution since XXXX and faithfully have upwards of $ XXXX dollars coming into my account each month. There is no reason why they should have done this and the worst thing is, when I spoke to their representative in the fraud department about submitting an appeal, she informed me that she would notify the bank not to reverse the provisional credit that was offered to me until they received my appeal and further evaluated the case. The following day the bank had already took back their provisional credit and caused my checking account to go into the negative. When I reached out to the appeal department about this, they stated that they hadn't received the appeal yet even though it was sent immediately by email once the letter was received and their representative provided instructions on where to send it to. They also mentioned that they would get back to me within 7-10 business days with a decision. There is no reason why they should have told me to send over an appeal for the reverse provisional credit to be credited back to my account and state that they would not take further action on my account until they reviewed my appeal, just to do the complete opposite and take money from my account the very next day without even reviewing the appeal first.
|
| 06/08/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Banking errors
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Web |
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I am submitting a complaint against Citibank XXXX XXXX, CA in regards to a large sum of money, {$30000.00} missing from my account for several days, and not receiving any calls or notifications from this Citibank branch. I am hoping to get an explanation of what happened with my accounts.
I have provided a timeline of events below starting with the account opening.
XX/XX/XXXX - I went in to open a 3 month CD account. The banker assisting me encountered errors multiple times and stated that it was due to Citibank uprgrading their system. At least 4 attempts were made but to no avail. I was told that they would try to open the account again the next day, and when it's open they will call me to transfer the money into the CD account.
XX/XX/XXXX - I received a voicemail from Citibank saying that the account was open and I can transfer the money in. I logged in to transfer the money however the full amount was not available to transfer. The banker told me to wait a few days and try again.
When the funds were finally available, I would attempt to transfer the money into the CD account but it would result in a technical error every time. I told the banker who opened the account and they said to wait and try again, it was likely an error due to Citibank " upgrading '' their system.
XX/XX/XXXX - I am frustrated at this point because I am being told over and over again to try and transfer the money again into the CD account but I get a technical error every time. It is circular reasoning at this point.
So On XX/XX/XXXX I decided to go to the bank to sort it out. I approach the teller and explain my situation and they reply that since 10 days have elapsed since the CD account opening, they will have to close that CD account and open a new one for me since it hasn't been funded yet.
I am then referred to the banker who originally opened the account, They transfer the money into the same CD account and I receive a physical receipt for that transaction.
The transaction receipt is as follows - Transaction Amount Description Withdrawal {$30000.00} From Checking Deposit {$30000.00} to Certificate I leave the bank with the receipt thinking the problem has been resolved.
XX/XX/XXXX - I logged into my Citibank account in the morning and noticed that the 3 month CD account I opened was listed as {$0.00} dollars and zero transactions. I begin to panic and double-checked both my checking and savings account. The XXXX is nowhere to be found.
My checking account 's most recent transaction is - XX/XX/XXXX Cash Withdrawal XX/XX/XXXX XXXX Teller - {$30000.00} I immediately head to the Citibank XXXX and explain the situation to the teller. I present the physical receipt from XX/XX/XXXX showing that {$30000.00} had been deposited to the 3 month CD account.
The teller, after looking up my account and reviewing the transactions says that the {$30000.00} is sitting in their bank ledger and it is money waiting to be claimed. I am then told by the teller that this was likely due to the money being transferred several days ( 10 days ) into the CD account. They also said that when opening a CD account, it must be funded within the same day or else it can result in an error like this.
They then opened a new 3 month CD account and deposited the {$30000.00} into it.
So to my understanding, on XX/XX/XXXX, the banker should have closed the original CD account and opened a new one for me instead of transferring {$30000.00} from my checking into that 3 month CD that had already been opened for 10 days.
On XX/XX/XXXX I left the bank with a physical receipt saying that XXXX had been transferred from my checking into CD account.
But on XX/XX/XXXX I found out that {$30000.00} was missing from my account, and it may have been missing for several days.
Why did this Citibank branch not call or notify me that the transfer didn't go through? Does their software not raise red flags or notifications to the bank when an error like this occurs?
I had {$30000.00} missing from my account and the bank branch was unaware of this? I even have a physical receipt to prove the transactions.
I want an explanation from this Citibank branch as to why {$30000.00} was missing from my account for several days and why did they not call me to inform me of the error?
|
| 08/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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Web |
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On XX/XX/XXXX, I submitted a claim for the Trip Cancellation and Interruption Protection ( TCIP ) included among the benefits of my Citi ThankYou Preferred credit card. On XX/XX/XXXX, my wife and son were unable to join their flights from XXXX to XXXX XXXX for her grandmother 's XXXX on XX/XX/XXXX because our pet dog needed XXXX XXXX treatment. We had booked the flights on the Citi credit card and this eventuality is one of the Covered Reasons stipulated in the card 's Guide to Protection Benefits that trigger the TCIP benefit ( see attachment, p. 14 ). The airline with which we had originally booked, XXXX, did not have any flights available for XX/XX/XXXX, and so we had to book new tickets with XXXX XXXX in order for my wife and son to arrive in time for the XXXX. Since we were booking at the last minute, these flights were very expensive -- {$3100.00} in total for two passengers, nearly three times what we had paid for the XXXX tickets. The late arrival of the new return flight into XXXX also meant that my family members would have to stay in a hotel overnight because they would miss the last bus to XXXX, NH, where we live. This would add another {$410.00} to the cost of the trip. We therefore carefully read over the terms and conditions of the TCIP benefit in order to make sure that these unexpected expenses would be covered before making the booking. Satisfied that they would be, we booked the new tickets and the hotel room on the Citi credit card, to ensure the protection would apply. The Citi leaflet states " Trip Interruption coverage begins on the Trip Departure Date and ends on the Trip Completion Date '' ( p. 13 ). It defines a " trip '' as " any pre-paid travel, tour or vacation when all or at least a portion of the cost of such arrangements was paid using your Citi card, '' and " Trip Departure Date '' as " the date on which the Covered Traveler ( s ) are originally scheduled to leave on the trip '' ( p. 13 ). Covered expenses " resulting from the cancellation, interruption or extension of the Covered Traveler 's Trip due to a covered reason '' include " additional costs to get the Covered Traveler home if the Trip is interrupted '' ; " additional fares or tickets needed to rejoin the Trip that has been interrupted '' ; and " reasonable expenses for similar accommodations and meals that are incurred because of an interruption or reasonable extension of the Trip due to a covered reason '' ( p. 15 ). Given this language, we booked the new flights and the hotel on the assumption that these large, unforeseen additional costs would be refunded. When I received the adjudication of my claim on XX/XX/XXXX, I was shocked to find that Citi had only agreed to pay {$400.00}, in lieu of two change fees for our flights on XXXX. I spoke with representatives at Citi over the phone on XX/XX/XXXX and again on XX/XX/XXXX and XX/XX/XXXX. At the end of the third call, I was told that a Citi employee named XXXX XXXX would call me back to discuss the matter further but this never occurred. In explaining why they refused to pay the large majority of the expenses claimed Citi representatives cited conditions and specifications that are not set out in their Guide document. They asserted that for a trip to be considered " interrupted '' one has to have commenced travel on a " common carrier '' ( in this case our original XXXX airlines flights ). All they were therefore prepared to cover were " cancellation '' costs -- i.e. a change fee -- since they considered the new flights to be a separate trip. I pointed out that their document defines a trip as " any pre-paid travel, tour or vacation, '' and that interruption of this travel is covered from " the date on which the Covered Traveler ( s ) are originally scheduled to leave on the trip. '' Moreover, there is nothing in the Guide to inform the customer of these narrow definitions of the key terms " trip, '' " interruption '' and " cancellation ''. I pointed out that the Guide as it stands is misleading but the Citi representatives rejected this characterization. I stated that I had spent a considerable sum of money on the good faith assumption based on their Guide that it was covered by the benefit in question and asked them therefore to reimburse me for the amounts claimed for but they refused.
|
| 03/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX I realized I had several fraudulent charges made on my Citibank card.
I contacted Citibank that day via online chat and was told to " verify the transaction which you are referring to so that I can mark them fraud transactions on your account and you will receive the credit with in 4-5 business days? " The card was then closed and another card was issued to me. The charges in question that day were the following XXXX XX/XX/XXXX {$27.00}, XXXX XXXX XXXX {$5.00}, XXXX XX/XX/XXXX {$23.00} XXXX XXXX XXXX {$5.00} and XXXX XXXX XXXX XXXX XXXX {$68.00}.
After several back and forths with Citibank about these charges and emailing them documentation that the charges were all fraudulent I was finally able to get credit from Cititbank for these charges.
However, when I received the new card Citibank had taken 2 new charges and moved them onto the new card. These charges are as follows XX/XX/XXXX {$19.00} XXXX TRIP XX/XX/XXXX {$5.00} XXXX TRIP I then was told to dispute these charges and they would then send me another new card.
These charges were also finally credited back to my account after several chats and emails with documents.
On XX/XX/XXXX, I received the following letter via my online account This letter is regarding your Citi Double Cash device account number ending in.
Due to a billing delay, the charge ( s ) for {$63.00} from XXXX TRIP XXXX CA made on XX/XX/XXXX and {$82.00} from XXXX TRIP XXXX CA will appear on your account for the first time.
If you have any questions, please contact us.
Sincerely, Customer Service Team I immediately contacted Citibank via online chat to find out what was going on and to dispute these charges. I was told to Call " The number for our Security team is ( XXXX ) XXXX ( TTY/TDD : XXXX ). This department is available XXXX XXXX EST. '' I called citibank and was told that the charges were from the card that was CLOSED due to fraud in XXXX and they were just forwarding these charges onto my new card. But to not worry that they would be issuing a credit for these fraud charges in the next 2-3 days.
On XX/XX/XXXX I contacted Citibank again about the two fraud charges of {$63.00} and {$82.00} and was told the following via chat.
" Thank you for the information.
The dispute which you have marked in a closed card due to potential fraud and request a new card it comes under security clsoure dispute and there is a different team who works on these cases. When you dispute the charge in closed card it takes 5-7 business days to receive the credit of it. however if you want to know the status of these disputes you need to contact security team as they are working on your cases. let me share there direct number with you.
The number for our Security team is ( XXXX ) XXXX ( XXXX ). This department is available XXXX XXXX EST.
I would also like to inform you that whenever they found anything in your dispute they contact you directly to discuss the case with you and whenever you want to know the status you can call on the above number to know the exact details of it.
sorry for the inconveinced, however the dispute which is marked in the current card takes 2-3 business days time frame not the security dispute, so there might be a miscommunication. '' I called again and was told that these charges were marked as fraud and to not worry and that before my statement closed on XX/XX/XXXX I would receive credit on my account for these 2 fraudulent charges of {$63.00} and {$82.00}.
XX/XX/XXXX came as did my new billing cycle and the charges have not been credited. I called Citibank again on XXXX to their security team and was told by the person that I talked to that they did not know why the charges had not been credited yet and that I should just wait because they did not know what is going on. When I asked for something in writing I was told that was not possible and that I should just continue to wait.
I am concerned that after marking closing a card that Citibank knew had fraudulent charges on it, they closed the card and then just forwarding fraudulent charges to my new card and not crediting me for the charges that they have acknowledged are fraudulent. I am seeking reimbursement of the two outstanding charges of {$63.00} and {$82.00} for a total of {$140.00}.
Thank you, XXXX XXXX
|
| 07/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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Web |
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On XX/XX/2022, I received a phone call with caller ID showing Citibank. The woman introduced herself as a Citibank Customer Service Agent. She was calling because she saw suspicious charges on account. She did not ask for any personal detail such as account number, or social security number. She said a charge of {$310.00} was attempted from a location in Florida. I asked if the charge showed the name of the merchant. She said XXXX. I said I did not recognize. I logged into my account at the same time to see what she was talking about. I did not see any charge for that amount. She said I would not see it because the bank blocked the transaction. She went further saying she saw a few transactions pending next day from XXXX for {$2500.00}. I asked if the pending transaction showed a name as I had created no instructions to send money to anyone for that amount nor was I expecting any. She said they would stop the transaction. In the meantime, they would block my account and issue me a new bank/ATM card. I tried accessing my internet banking account to try and change my password but could no longer get in. She said that I would be able to regain access to my account once I received my new card and activated it. She said that they would XXXX my card in 2 days straight to my door. I continued to get XXXX alerts for credits and debits to my account in various amount from {$1400.00} to {$2500.00} etc. After exactly 1 week, with no new card in the mail, I called my bank. It was during this call that Citibank informed me that they have no record of any calls being made to me nor any fraud claim case opened. I was scammed. Citibank at this time, blocked my account officially. I have a joint account with my husband. I asked whether he was compromised. They said he was not as the fraud was my from access. Temporarily, they would only block my husband 's card until we opened a new account as I told them I had my payroll being paid in my account the next day. They said the account can receive funds but debits/withdrawals would be blocked. I was asked to call the bank back the next day so that they would unblock the compromised account temporarily in order for me to transfer my payroll of over {$2800.00} into newly opened account which they were able to do. They said they would blocked the account until the investigation was complete. I asked whether I would need a new bank/ATM card and I was told no at that time as the card is now tied to the new account. My husband tried to purchase something at XXXX and the card declined so he called the bank and they were able to reactivate it for use. I tried using my XXXX card online XXXX and my card was declined on XX/XX/2022. I called Citibank thinking that maybe they hadn't reactivated my card. I was then informed that I needed to replace my card. No one I spoke to on XX/XX/XXXX informed me I had to order a new card. Today, XX/XX/2022, my husband made a {$600.00} XXXX transfer from his personal XXXX XXXX bank account to our Citibank account. The {$600.00} was credited to our old account that is currently blocked/under investigation and in negative. How was in account in negative? Citibank still allowed another {$1400.00} ( XX/XX/2022 ) to be debited from the account even after the claim was raised on XX/XX/XXXX. We only just realized that his XXXX profile had not been updated nor linked to the newly opened account with Citibank. We called the bank and spent half a day being transferred between Customer Service and the Fraud team speaking with agents in the XXXX and who knows where else - none of them could help nor was in any position of authority to make a decision. We simply wanted them to move the money that was sent to the old account into the new which has a balance of {$4.00}. Everyone we were transferred to said the same thing - because the old account is in negative, we have to wait for the investigation to be completed. We tried and tried to make them understand that the {$600.00} was our money and not any of the money that is in dispute. The only thing that we got done today was to make sure that my husband 's XXXX profile was updated and linked to the new account - something we expected the bank should have done or told us when we called on XX/XX/XXXX we needed to do. PLEASE HELP
|
| 05/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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XX/XX/XXXX, XXXX ( XXXX XXXX XXXX ) began proceedings to collect {$1800.00} for a SEARS Credit Card debt. My SEARS credit card was activated XX/XX/XXXX with a limit of {$1200.00} the credit card usage was stopped at approx. {$730.00} for non-payment ( being 3 months in arrears ) in XX/XX/XXXX. I immediately contacted SEARS ( in XX/XX/XXXX ), knowing I never purchased {$1300.00} worth of merchandise, requesting statements with purchase information for the months of XX/XX/XXXX thru XX/XX/XXXX but I was told XXXX bought my account ( XX/XX/XXXX ) & they no longer had that information but XXXX has a Recovery Dept that can send the information I request. I then contacted XXXX and XXXX 's Recovery Dept. ( XX/XX/XXXX ), requested information for purchases made from XX/XX/XXXX - XX/XX/XXXX. They sort-of complied, I was mailed SEARS statements " starting from '' XX/XX/XXXX, INSTEAD, with the beginning balance of {$1300.00} balance leading up to {$1800.00}. I have attached a copy of these statements : Sears-XXXX.pdf ( please be advised that this is not what I asked for ). Needless to say this was not what I requested and oddly the statement showed a previous {$0.00} balance, interest and late fees for the month of XX/XX/XXXX. Within the same month ( of XX/XX/XXXX. ) I filed the a dispute with XXXX, requesting XXXX to show proof of purchases. I received no reply. I called XXXX 's Consumer Dept ( I'm not sure if that's the right name ) & was suggested to contact Sears and Citibank ( who owns Sears accounts ) for a resolve but upon contacting them again I got same answer from both.. " my account was sold to XXXX and they had all the account information '', I'd have to contact XXXX. I filed a 2nd dispute In XX/XX/XXXX, with the same request, and in XX/XX/XXXX & last dispute was for XXXX to show purchases " prior to '' the {$1300.00} balance, leading up to that balance and accrued fees that total {$1800.00}! XX/XX/XXXX, XXXX 's letter reply was ; " ... we sent the information you requested and we don't understand what you are disputing. Send a letter with your request or contact us. '' Are they playing games? They had not sent what I asked for & numerous times I disputed them requesting time & time again with no resolve! During XX/XX/XXXX-XX/XX/XXXX credit cards were being breached ( Sears, Home Depot & XXXX ) and I strongly feel, unless XXXX is fibbing about what I owe, at that time I may have been a victim of credit card theft. This is why I'm requesting proof of purchases. It's unfair to charge & make me pay for a thieves debt. In XX/XX/XXXX my Home Depot credit card was breached and used while I was in the store & he checked out the same time I did just one register over!! If the Customer Svc. Department at Home Depot hadn't compared the time & purchase on my receipt to the thief 's, I'd been held liable for that crooks purchase ( s ).
I have also noticed actions taken by CFPB in XX/XX/XXXX against this company for trying to collect on debts using deceptive tactics. For example : 1-Attempted to collect on unsubstantiated or inaccurate debt : ... ..balances that sellers claimed were approximate or that otherwise did not reflect the correct amount owed by the consumer ... .Some sellers also represented that documents were not available for some of the accounts .... '' 2-XXXX XXXX XXXX falsely claimed an attorney had reviewed the file and a lawsuit was imminent : The companys collectors, who identified themselves as from the Litigation Department, misrepresented to consumers that litigation against them was planned, imminent, or even underway. In reality, in many cases, an attorney had not reviewed the account and the company had not decided whether to file suit. The list goes on and on about these heinous practices and I strongly feel this is happening to me now!!
Now, early XX/XX/XXXX, I received a FINAL NOTICE ( please see attached FINALXXXX.pdf ) from XXXX threatening me with lawyers, court and garnishing my wages and bank account ( Example 2 ). I never even received what I asked for and now they're moving forward with actions against me to hurt my livelihood and to damage my credit? Is XXXX so reputable that they can ignore, walk over and force me to blindly pay this debt without question? If at all possible, please help!
|
| 04/18/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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|
On XX/XX/XXXX XXXX Friday I decided to go online and see what deals I could find for XXXX shopping. I made a big mistake by ever doing that. I ended up shopping several items through bestbuy.com. I purchased two XXXX XXXX XXXX with charging case. I showed up to to best buy store to pick up both of the XXXX XXXX XXXX and the best buy store told me that they were sorry but they only had one in stock. I told them that they were supposed to be XXXX presents and they said to call bestbuy.com and have them ship to my house the second one. Which I received Friday XX/XX/XXXX. On XX/XX/XXXX I paid off the credit card. On XX/XX/XXXX I got a bill from citi bank best buy stating that a charge had came through my account for some ear pods. I called bestbuy.com and they said that I was correct that I only received 2 XXXX but I got billed for 3 XXXX. We got on a 3 way call between bestbuy.com and citi bank best buy credit card. I spent over 3 hours on the phone with them and they kept on blaming each other for the confusion. Bestbuy.com said I had to open a dispute with the credit card and once they would get the dispute they would credit me for the extra earpod I am being billed for. Citi bank best buy credit card said not to worry about it that I was being billed for 3 and somehow the representative from bestbuy.com closed that account a fraudulent. I called bestbuy.com and they said they issued the credit already and bestbuy.com said they were just waiting for the credit to post and that it would be taken care of that they saw very clearly that I was being bill for 3 XXXX for {$170.00} each. I waited and waited and I ended up receiving a new credit car and I called to activate to notice that not only the XXXX was back being charged on my account but also an XXXX case for XXXX XXXX for {$16.00} back on my account for a total of {$180.00} back on my account. I immediately called best buy credit card and they told me to call bestbuy.com which they said that they had already issue a credit and that best buy citi bank had to remove the charges. I got on a 3 way call again with bestbuy.com and citi bank bestbuy and again they kept on blaming each other for the credit card charges on my account. Once again Citi bank best buy opened up a dispute on the charges on my account and they said not to worry about it that in a couple weeks the charges were gon na disappear again and this time was for sure. I told them that my account was showing past due in XX/XX/XXXX and they said don't worry about it because my minimum payment was due for the amount of {$0.00} cents. I decided to program the {$0.00} cents because I don't want all this confusion to ruin my credit. On XX/XX/XXXX I got a voice recording call from best buy citi bank saying my account was past due and to contact them. I spoke with a manager with her information being AWL account member ID : XXXX. She said that she could opened the dispute again. I told her I am really tired of this whole thing going back and forth with them and bestbuy.com. She said she completely understands. I asked her for member ID # s of everyone that has notated my account and she refused to give me that information once I told her I needed it to file a complaint against the credit card company. She said that as long as bestbuy.com would answer the dispute as invalid they would charge my account again. I told her that this whole thing was unfair because I am ending up paying for 3 XXXX XXXX and 3 Cases when I only got 2 XXXX XXXX and 2 cases either picked up by me or delivered to me. I told her that if she would go back and listen to all my phone call recording with bestbuy.com and them on a 3 way conference call they would see how citibank best buy and bestbuy.com agreed that I was being charged for an extra XXXX XXXX XXXX and an extra case. I am so tired of the situation that I just decided to pay off the {$180.00} however I am very disappointed that bestbuy.com and Citi Bank Best Buy are making pay for two items doubled. I though at one point shopping on XXXXXXXX XXXX online was gon na save me money and the total opposite ended up happening. I am very disappointed how Bestbuy.com and Citi Bank Best Buy handle this situation and on top of that CIti Bank Best Buy is charging me a {$27.00} dollar late fee.
|
| 02/07/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX In XX/XX/XXXX I called the Best Buy ( citibank ) Credit Card customer support to get a payoff amount, make payment and close the account. This was completed at that time, amount/payment made/closed account.
On XX/XX/XXXX Best Buy/citibank withdrew {$190.00} in autopay on a paid off, closed account. I called customer support immediately upon seeing this on my banks app. I was told then that it was a mistake and would be refunded within 10 days.
No refund was completed so I called back, asked to speak to a supervisor and was again told it would be 7-10 days. On the XX/XX/XXXX, I received an email from Citi that the refund was being processed and should be in my account within 3 days.
No refund appeared within the timeframe so I called again, they gave me a account number the refund went to which was not mine, nor the account the money had been withdrawn from. After advising them of their inaccuracy and reproviding the correct account number, I asked how and why this could happen, the account had been set up on autopay and the {$190.00} they withdrew was from the same account I had just re provided. Again I was told 7-10 days.
I called again the following week and requested to be transferred to the next level management as every answer was becoming 7-10 days.
Upon reaching the Executive response team, they agreed that they made the mistake both by withdrawing the money to begin with but also for refunding it to " some other account which was not mine ''. I was told by that team that they had another 7-10 days to review and work on the issue.
I received a call ( the first callback during this issue ) on the XX/XX/XXXX from the executive response team stating that the only issue left was for her to get verbal confirmation from me that I did not have an account ending in XXXX ( the account they sent the money to ), I confirmed and restate here that I do not have an account ending in those numbers. Her response was that she would rush that confirmation to the " other office in charge of disbursements '' and to expect the refund in my correct account within 5-7 days.
Upon yet again not receiving the refund I called today XXXX and again spoke with my executive account specialist ( XXXX ) XXXX, she advised me she had been given bad information and that they also needed to recover the money from the erroneous account prior to paying me back for their error.
( I would like to reiterate that even today Citi confirms they made a mistake, they know I don't own the account they supposedly sent the money to, that they will not refund their mistake-my money until they get theirs back ).
During this phone conversation which they record, my specialist also informed me that : 1. She now had a response date/iou to me to get back to me by XXXX.
2. They/Citi can't/wo n't as a matter of policy refund me until they secure their money first.
3. They have no ability to find anything out about the account they sent it to as they do not know who owns it, nor can the receiving bank give out information without the account owners approval, but she has until the XXXX to get back to me, they sent the receiving bank a letter and " I hope they can help ''.
I requested to speak to the next level of management as I simply could not believe a company as large as Citi could do business in such a way. She told me the next level was the office manager but he wouldn't have access to my account. I said that was fine I would still like to speak to him. She then asked me why as he had no account access? I stated he didn't need to have account access, I wanted to ask him about policy. She then informed me that the office manager doesn't speak to customers. I found these actions pretty telling and is what prompted me to contact Consumerfinance.gov.
We are currently on day 58 of this process as of XXXX and the only difference today from XX/XX/XXXX is that instead of the past 7-10 response time promised, Citi has done 2 things, one upped the time frame to 21 days and 2 advised me they won't refund me until they get their money and they have no way to do that. Citi employees words not mine.
Any help you can provide on this will be greatly appreciated as I see this as fraud on the part of Citibank/Best Buy Credit institution.
|
| 05/02/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX To whom it may concern, I am formally issuing a complaint against Citibank , N.A . XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Citigroup XXXX . Th e primary issue of this complaint is that my checking plus line of credit was incrementally increased in large amounts without informing me and without my consent. First in XXXX of XXXX , and again in XXXX of XXXX . I have been a loyal customer of Citibank for over 15 years and have had a checking account, money market account and checking plus ( overdraft protection ) with Citibank during that time. For the majority of my time banking with Citibank my checking plus line of credit has been {$2000.00} with a {$10.00} fee for overdraft transfers. Recently my overdraft available credit was increased to {$2600.00} and then again to {$3400.00 } six months later. I was not asked if I wanted this change nor informed that my credit line had been increased. I called Citibank on XXXX XXXX XXXX after seeing that my line of credit had increased by {$800.00} again after only six m onths. I was told that this checking plus credit increase was something offered to only XXXX customers. I was also told that this was a " reward '' for good credit standing with the bank. It was also acknowledged that I had not been informed of this increase but I was then told that most customers would be happy to receive this extra line of credit. I then asked to speak to a supervisor. I asked to speak to a supervisor and filed a formal complaint. I informed her XXXX XXXX ref # XXXX ) of the following : 1. I was never told or asked if I even wanted this increase. And did not consent to this change. 2. I was under the impression over the last 6 months that my available credit was {$2000.00} as it has been for over a decade. 3. I plan my spending, bills, charges around the fact that I know the limit of my overdraft protection and budget accordingly so i can always pay back the remaining balance. 4. Citibank automatically places overdraft to cover my checking. If Citibank automatically orders my transactions, automatically transfers overdraft amounts and then automatically increases my line of credit without my knowledge then it makes it significantly more difficult for me to manage my spending and avoid fees and balances. 5. If the amount that is placed in my checking plus overdraft is constantly in flux / increasing without informing me it makes it significantly more difficult for me to know how much I owe in order to maintain a balanced account. 6. The fact that this was quietly implemented among XXXX customers, with little transparency leads me to question Citibank 's intent in terms of my best interest as their customer. 7. I asked when to expect another line increase on my Checking Plus ba lance, that information was unknown or not given. 8. I asked if there was a record, letter, email example that could be sent to me that confirmed that I was in fact informed before the rollout of this new line increase. That information was also unknown or not given. 9. I stated that the small sample size, lack of transparency, records ( printed or otherwise ) and lack of knowledge of future line increases led me to believe this was intentionally designed to see if a small sample of customers could accrue more overdraft fees and a higher balance owed than those customers who had set overdraft limits. 10. Finally that I accrued a balance of over {$1000.00} over the past months thinking that i was slowly paying down an owed-amount of {$2000.00} only to find out that this amount had been increased twice without my knowledge. I want to be consulted and involved in the options given to me by my bank regardless of whether products being offered are considered a reward, incentive or disincentive. I want transparency from my banking institution. I should not have to monitor my bank 's behavior on a daily basis to make sure they are behaving in my interest. Like any line of credit or loan I should be alerted if there are interest charges or changes and I should definitely be alerted when the line of credit is in flux. Thank you for your time and attention, XXXX XXXX
|
| 10/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased tickets with XXXX in the amount of {$10000.00} in XXXX, during this process I felt mislead due to the lack of terms disclosure of the refund policy. I was unable to attend the event after I was refused a refund, I tried re-selling the tickets on their website, but that feature also did not work. After numerous phone calls and emails back and forth with XXXX support ranging from refund discussion and website issues I ended up filing a dispute through my credit card Citi Cards, two disputes ended up being filed.
I called an Citi Card customer agent who was at a call center in XXXX who posted the dispute for me, I was unaware to the type of dispute he filed and I was not informed that he was posting it as fraud, so that dispute went to their fraud investigations department. A day or so later I checked their website and noticed there was no update or no dispute filed so I filed a dispute online as well through citicards.com. I entered a dispute type of " Not as described or defective merchandise ''. On XXXX XXXX XXXX had received the fraud dispute, they did not contest the dispute and accepted the chargeback. They said usually the merchant has 3 days to respond with a denial, but XXXX just accepted the chargeback.
Citi Cards had withdrawn the funds into a holding account as they informed me and that is where the funds are at this point for the past two months. For the past two months Citi Cards has been shuffling me between their dispute department and their investigations department, each department would blame the other department stating for example ; the fraud investigations department had closed the chargeback dispute case and handed the case over back to the disputes department. The dispute department would say it 's up to the fraud investigations department to provide further details, as far as the disputes department was concerned the case was already resolved. I 've had dozens upon dozens of calls, hours upon hours of calls to call centers here in the United States and XXXX with Customer Service, Dispute and Investigations representatives and supervisors. The last conversation with one of their supervisors in the dispute department I was informed that the funds will stay in a holding account for 90 days and afterwards Citi Cards will force the funds back to XXXX which is XXXXXXXX XXXX merchant bank. The supervisor told me that I need to reach out to XXXX and have their bank request the funds for the dispute and have them refund me the money. The supervisor told me the reason they will not refund me the dispute is because it was put in as fraud and it is not fraud, so therefore the merchant XXXX is entitled to the funds according to Citi Cards.
However XXXX had already canceled my tickets the minute they saw the dispute and resold them for the event. I had never taken possession of the tickets, I never went to the event and on top of that, XXXX agrees that I am entitled to the refund, but ironically my own credit card does not believe so.
Finally on XXXX XXXX, XXXX from the Citi Cards Executive department called me to inform me that she 's looking into my case and is going to help me. It 's been nearly a week and I have not heard anything from Citi Cards that they 're even working on my case. I called XXXX from XXXX chargeback department and gave her XXXX 's contact information so they can get in touch and have this issue resolved.
What can I say, I am numb at this point from all this back and fourth chaos. Citi Cards has been extremely difficult to work with, it is their agent who put the dispute through as fraud. They are not willing to own up to their mistake and make correct this matter. They will not even pickup the phone and call XXXX chargeback department. All this leads me to believe there is some serious abuse going on here, I honestly think they want to keep the funds and 90 days is some sort of time table that legally enables them to keep the funds.
Attached I have a screenshot from XXXX demonstrating that the funds were removed from their account by Citi Cards. I also have an email screenshot showing a confirmation from XXXX for the refund. I also have a screenshot that shows XXXX had canceled the tickets in the website user account. And also a pdf receipt proof of purchase.
|
| 03/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
SUBJECT : Request for Support Fair Practices of Best Buy Credit Services Dear Consumer Financial Protection Bureau, PURPOSE : I write to provide you background, information, and action on my account.
PROBLEM : Best Buy Credit Services inability to administer to my account caused consumer to spend inordinate amount of time lost administering to communications needs and activities to remedy the account. Best Buy Credit Services continues to attempt to collect erroneous charges. Their inability to administer to my account has caused great angst and wasted time.
BACKGROUND : I opened a Best Buy account on XXXX XX/XX/XXXX with a {$4000.00} credit line. I purchased a laptop with a special 2-year no interest promotion. I configure my fiscal resources to pay my debts in a manner consistent with my monthly budget planning. Best Buy Credit Services was consistently asked to change the billing date to the 1st of the month. I paid in a manner consistent with my request to change the billing due date to the beginning of the month.
I spent more time correcting the account due to Best Buy Credit Services inability to administer to my account. I asked to have the billing cycle changed from the XXXX of the month to coincide with my pay, on or about the 1st of the month beginning in XX/XX/XXXX. This request was made on at least three occasions. I contacted a Customer Service Representative on XXXX, XXXX, and lastly on XXXX to correct the fees inappropriately and erroneously charged to my account. Best Buy Credit Services due date was XXXX of the month. The Late Fee was posted to the account on their due date. I was successful two of three calls of getting those charges removed ; while simultaneously requesting a due date change.
Apparently, Best Buy Credit Services Late Fee increased in XX/XX/XXXX to {$40.00}. NO NOTICE WAS GIVEN OR RECEIVED BY CONSUMER! I can provide payment details and activity on my account.
I last spoke to Best Buy Credit Services on XXXX to a rudely discourteous and unprofessional individual named XXXX. After her conduct and Best Buy Credit Services inability to administer to my account as requested, I decided to close the account. I closed the account XXXX. I informed her that {$400.00} would be the last payment in full to Best Buy Credit Services and asked to ensure my comments were posted to my account. I informed her the erroneously assessed fees will not be paid. I requested the billing cycle be changed. Apparently, this fell on deaf ears. The account activity demonstrates Best Buy Credit Services was paid before the 1st of the month on every occasion. I paid the full {$3100.00} for the laptop prior to XX/XX/XXXX.
I properly and adequately defined the problem and Best Buy Credit Services choose to ignore my request. I sent them a letter on XXXX XX/XX/XXXX regarding these issues and requested for a letter stating the account was closed by consumer, and was paid on time, and paid in full ; with no late payments. I received a letter, dated XXXX XX/XX/XXXX, indicating the account was close, but did not indicate the account was paid in full or closed by consumer.
By statute IAW the XXXX Credit and Reporting Act under Titles XXXX and XXXX XXXX as well as Title VI of the Consumer Credit Protection Act the account should have been administered as requested. I made final payment on XXXX XX/XX/XXXX thereby satisfying my obligation. As previously stated, after failing to administer to my account and requests, the consumer closed the account on XXXX XX/XX/XXXX. The remaining erroneous balance was caused by Best Buy Credit Services. As a result, I am not responsible for the erroneous accounting.
As a direct result of their inability to administer to my request to change the billing date to coincide with my pay dates and budget ; the erroneous charges have been placed on my account. To date, Best Buy Credit Services has yet to remove the erroneous charges, continues to attempt to collect these erroneous charges, and continues to ignore my request. This is in direct violation of statute.
Feel free to contact me, if needed. Thank you for your time, professionalism, and assistance. I anxiously await your immediate response.
Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX United States XXXX ( Retired )
|
| 11/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
DISPUTE FOR FRAUDULENT USE OF CREDIT CARD In XX/XX/XXXX, I accepted a credit card with Sears store. The following month I received a card statement that I owed {$20.00} without even using the card. The manager from Sears gave me {$20.00} in cash to pay this amount because the clerk who offered me the credit card provided the incorrect information at the time of applying for the card. Also, at this time while I was present at the store, Sears contacted Citi bank requesting to cancel the card.
Nevertheless, in XX/XX/XXXX, I received the credit card in the mail and in order to be used it needed to be activated by phone. However, I never activated the credit card because it was requested to be cancelled by Sears in the first place and I did not have a telephone to activate the card.
In XX/XX/XXXX, Citibank billed me for a balance of XXXX charges, which were conducted by two individuals named XXXX and XXXX XXXX in the XXXX XXXX and Georgia. I affirm that I do not know these individuals, and do not know anyone in these places. Again, I did not activate the card, which these two individuals use fraudulently to pay for their monthly internet/cable services.
During the time of these charges, I studied at XXXX XXXX XXXX XXXX in XXXX XXXX, TX. Mondays and Tuesdays were virtual classes, and Wednesdays and Thursdays were in-classroom. I remained in XXXX XXXX, TX. throughout this time.
In XX/XX/XXXX, for a second time, I requested to cancel Citibank credit card with representative XXXX at Citibank as it was not properly closed at the first request by Sears. I was advised that I would be sent detailed information of the unauthorized payments, where and when these were performed by in Georgia and XXXX to the XXXX company, to which I never processed.
In XX/XX/XXXX, I reported the fraudulent use of Citibank card to the police department located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX, under police case # XXXX. I was directed to their Financial Crimes Division located in XXXX XXXX XXXX, XXXX XXXX, TX. XXXX with Detective XXXX XXXX # XXXX/ XXXX, his email address is XXXX, office phone XXXX, Fax XXXX. Mr. XXXX advised me to take the following steps : freeze my credit through XXXX, XXXX, and XXXX, which I did with all three bureaus. I also ran free credit scores with all three to review any other potential fraud use of my credit. I am also reporting the fraud here to Consumer Financial Protection Bureau found under Federal Trade Commissions at www.ftc.gov On XX/XX/XXXX and XX/XX/XXXX, I spoke with Citibanks representatives, Ms. XXXX, and on XX/XX/XXXX and XX/XX/XXXX with Ms. XXXX. They advised me that the requested paperwork to file the claim was already mailed to me. However, Citibank instead submitted my account to collections, XXXX XXXX XXXX without being able to file the dispute through them. This account transfer to external collections was confirmed through a letter that I received from Citibank on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX mailed me another letter with instructions to dispute the balance of {$1000.00} within 30 days if in case I was not in agreement. Therefore, I am disputing this balance because it was fraudulent activity that I did not commit.
During this entire time, XXXX and XXXX XXXX have used my home address, XXXX XXXX XXXX, XXXX XXXX, TX. XXXX to apply for credit cards from banks, XXXX, department stores, Water Service, IRS, schools, and XXXX XXXX XXXX. Upon to this day, I have returned to my local postal office over 80+ letters under XXXX and XXXX XXXX names using my physical address by noting on those envelopes, RETURN TO SENDER, THIS PERSON DOES NOT LIVE ON THIS ADDRESS.
In summary, the Citibank credit card information was compromised. To this day, the card remains on its original paper in which it was received. Detective XXXX advised that this type of criminal act has increased dramatically during the pandemic and I was a victim of this fraud.
I ask you to remove me from Collections and clear this balance under my credit because I did not perform any of the transactions. I am not responsible to pay for them and I will not pay for them. Citibank should have not sent me to Collections because I had already notified them of my dispute, but the process was delayed on their side.
|
| 09/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
In the midst of dealing with a potential identity theft, I received a business Envelope from Citibank. I opened it and it contained a welcome packet to let me know about my benefits and with an account number and my name listed on checks that could be seemingly drawn, and a w-9 tax form, and other account related information. I did not know of any banking relationship or credit relationship with Citibank. There were sentences about services you can NOW use ( emphasis mine ), and on the front it said action required. Is that the phrase that is considered deceptive or does that let them off the hook? I spent the rest of the day calling Citibank and checking my credit reports across all reporting agencies. In my phone call with Citibank, I explained the situation and what I was concerned and they eventually sent me to the fraud division, where I was told the materials didnt include a 16 digit account number ( they kept pretending to look up my account by my social, which they asked for on the XXXX phone call. ) Nothing. No accounts, and yet here for all the world looked like A package that was welcoming me as a new client of Citibank. As you can see there was an account number listed with my name on many of the pages, but smaller than 16 digit, more like a checking account. I was and am furious at this marketing deception. The people in the fraud kept going off the phone as though being coached, and when returned would just say it would have a 16 digit number. In the packet it tells me to fill out all these forms as a new client ... and that my card would be coming. All in all, the people in the fraud did not seem concerned that there might be scam being perpetrated in my name. I mentioned this and they told me to send whatever information to XXXX ... I told the woman on the phone that if I found out it was a marketing phishing scam, I would not be happy. All she kept repeating was send my whatever to the spoof email. When I realized they didnt really care, I suspected they were behind it ... the woman hung up without really letting me know they were concerned at all. Upon closer inspection of the materials I finally found a few places where the wording sort of indicated this was not a welcome packet, but an elaborate ad for me to sign up for services. It is hard to tell really. I gave them my social security over the phone, THEY requested it, to make sure there was no account with my information. All the materials had phone numbers that were actually Citibank numbers. I feel like I have been spoofed by Citibank. I am a college graduate, I know how to read ... but for all the world the packet feels like a scam to get me to sign up for credit or services i absolutely do not want, especially from Citibank considering their past of deceptive practice. This is the first complaint I have filed, because your agency is supposed to help with this. Under current governance I do not believe my concerns will be heard as far as this kind of predatory marketing. At the very least, I would like someone to point out where In this barrage of seemingly new account information, do they tell me its promotional. I should have perhaps known, given Citibanks reputation, but considering I have been having trouble with my credit being used without my permission recently, I was worried someone had opened an account with a credit line in my name. I will send pics of the whole packet, and i welcome even a short response guiding me to where I should have been looking on this giant lie of a new account that I supposedly had. I gave them my name, they verified my address, they used my name and said there was no account, and THEN sent me to fraud after I expressed concern and THEN they asked for my social to look up the account. I think they knew XXXX well there was no account and could not and would not tell me their complicity over the phone, yet they took more private information from me in my request. I am livid. And terrified that the in my current situation and my concern for my credit protection, that I spent the day awash in anxiety and stress because they would not come clean that it was a marketing tool. How far exactly can businesses go in lying to you while they gather information? I would love a response ... thank you for your work.
|
| 06/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I paid XXXX XXXX XXXX a deposit of {$3000.00} for cabinet refinishing and bunks at my Florida property. The job was supposed to be completed before XXXX. Mr XXXX removed the cabinets doors and took them off site and applied a thick coat of a paint product with a roller. The cabinet base resembled and orange peel which made me doubt his ability to do the work. He later informed me that he was taking a cruise on XX/XX/XXXX for a week. I cancelled my return flight from Florida to XXXX XX/XX/XXXX to supervise the remainder of the job he promised to finish. I lost my airfare and missed XXXX with my family. On or about XX/XX/XXXX Mr XXXX returned the cabinet doors and proceeded to spray them outside. This is a beach environment where humidity is high and wind is constant. There were particles and sand stuck in the paint all over the cabinet doors. He destroyed the cabinet faces for my kitchen and two bathrooms in one fell swoop. The doors were left outside for two weeks. I asked Mr XXXX to work on the other job until his return because I could see he was rushing the job and making a horrible mess. I waited until XX/XX/XXXX before I departed for XXXX. He did not contact me upon his return. He had taken all his equipment and my paint and material off the job site on that last day while I was out doing errands. He ghosted my job. I had discussed the issues at hand with a local contractor that eventually completed the job in mid XXXX. I spoke to Citi bank on or about XX/XX/XXXX on an unrelated matter and asked them why they had reversed the chargeback for XXXX XXXX XXXX without first giving me the opportunity to provide documentation. They told me it was procedure and to wait to receive copies of Mr XXXX documents and not to worry all I needed to do was respond. I departed to Florida again for the third time to supervise the work XX/XX/XXXX. The cabinets were an awful mess and the job took longer to complete than expected and in the meantime the WHO declared an emergency due to covid 19 pandemic. I submitted my documents together with my invoice and a statement from the contractor who completed the work. I attempted to contact Citi bank multiple times in XXXX and when I was finally able to reach somebody they told me the disputes department was not operational. In the interim they sent a letter to my home telling me my response was too late and the case was closed.
I can tell you the merchant had at least 60 days to respond to my dispute. I was not given the same courtesy and worse, in a covid pandemic citi bank really prejudiced my position. Nobody was working how could I have not provided my documents in time? I had just received them before my flight on XX/XX/XXXX. The job completed a little less than two weeks later. When I had the invoice I submitted everything like Citi told me to do. I have since requested that citi bank reconsider their position and review my submission. On XX/XX/XXXX I contacted them again on an unrelated issue and discussed this matter again. I closed my account after ten years because of their lack of ethics.
I paid an additional {$8000.00} to complete the job the first guy messed up. Its not right that I be forced to pay for work that was sub par and incomplete. Two people got paid for the same job. I needed new cabinets because of this but did not have the time to remedy them because this is a rental property. I lost revenue all winter because of Mr XXXX. Mr XXXX threatened me and called me names via txt when he found out about the dispute. When citi reversed the charges without consideration for my ordeal Mr XXXX txted me that he had won. This guy ripped me off and Citi stood by and let him. They did nothing to protect me. They have dropped the ball in a big way with me since XXXX when they also allowed outrageous fraudulent activity occur on my account. This is the first of two very serious offenses on the part of the bank. This is my second complaint because Citi Bank has done nothing to help me. They can not discriminate against me, disallow my documents when covid 19 shut the world down. Nobody has contacted me despite many emails and phone calls to the disputes department relating to this matter. Mr XXXX has the money that should not ya e been given back to him.
|
| 07/18/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
XX/XX/XXXX, the clerk told me I was entering information to reactivate a closed account. She did not provide account information since I already had a card. We discussed paying the amount right then with my debit card. I thought that's what I had done. I never received a card in the mail or any statements. When the call came in that the payment was late, I told them I thought they were mistaken, but I'd look into it. When I checked my account online, {$0.00} balance was due. When the next calls came, I informed them that the website showed no balance due and I thought I had paid in store when the account was reactivated. The calls persisted. 10-12 per day. I check my debit card records and did not see a charge for that amount to Macy 's, so I went online to try to pay. I was not successful. It turns out that my old account was not reactivated. Instead, a new account was opened. I fumbled around online trying to find a way to add this new account. I couldn't. In XX/XX/XXXX, I received one statement. It showed the last four of an account number, but not the full account number. I explained what was going on, that all I have is this one statement ( that doesn't even show the original charge ) and the receipt. I also explained I never received the card. I asked for the account number or that they set up the new card in my Macys.com account. They could not provide the account number, said they can't add it for me. Despite waiving fees, they insisted I pay the full amount and then they'd credit the fees later. I declined. He said they would mail a replacement card to me. I went to the store to pay but was told that I could not do so without the account number or the card. I couldn't mail a check without an account number on it to make sure it gets credited properly. They wouldn't even give me a reference number or something to put on a mailed check. The ONLY option provided was to make a phone payment right then in full amount and trust that the company that's already behaved ( XXXX ) unethically would credit the amount of the fees to the STORE card that I can only use in a store I'd rather not do business with. So, in XXXX, I was still effectively blocked from making a payment. I received the card in my mailbox on XX/XX/XXXX, the day we were leaving for 10-day vacation. I set it aside. Today, XX/XX/XXXX, I tried to add the account to my macys.com online account and make a payment. I was blocked. It won't let me add the account. I called and talked to another agent and explained I still don't have statements. She said she could help me if I gave her my checking account information and paid her {$170.00} ( original charge was {$96.00} ). I explained fees were waived and now that I have the card, I'd just like to review the statement online ( or on paper ) then pay it. I requested a statement be emailed to me ( or a secure link ), but she said the only way is to mail a paper copy. She claimed the card was mailed XX/XX/XXXX, but provided no proof. Again, I received it XX/XX/XXXX. She said the account is closed for non-payment ( well no duh, I'm blocked from paying ). She said they will only waive fees 2x per 12 months and that my only option is to pay the full amount due ( {$170.00} ish ) or that they would continue increasing the interest rate and charge more late fees. She said I could talk to a settlement person, but the call disconnected before they were on the line and repeated attempts to contact them again have failed. I feel Macy 's behaved in an unethical manner by 1 ) telling me my account number would be the same and I was just reactivating an old account 2 ) not providing statements ( my account is set up for paperless, so why was that not used ) 3 ) not providing the new account number or even the card until 5 months after the new account was opened 4 ) not providing the account number when I asked ( at the store in person or over the phone after they verified me ) 5 ) Not providing an emailed statement when I asked 6 ) continuing negative reports to the credit agencies further damaging my credit 7 ) continuing to charge fees and collecting interest while not providing reasonable means to pay. At this point, I'm thinking I need an attorney. At a minimum, they have lost my business and that of my family.
|
| 12/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
several months ago my step son told me his mother received a call from a debt collector for me. thats all the info I had. I did nothing. two days ago, my daughter, who is married with a different last name got a text addressed to me asking I call XXXX re acct # XXXX. No other info. I called the number and asked right away what it was about. the woman said they were not a debt collector but were trying to collect a debt. I asked for who and she wouldn't tell me. She started going off on all this legal info and I asked several times before she told me any more that I wantedt ot know who the creditor was. she put me on hold to go talk to a supervisor. I hung up. She called me back from XXXX. She said we were disconnected and i told her no, i hung up bc if she is not willing to give me any info on the creditor I was not interested in hearing any more. she told me i would not be disrespectful to her or talk to her like that. I hung up. I then did a number search on both numbers and the best I came up with is that it was a scam. no infor on those numbers came up. I got a text message today from XXXX asking for me to call re the same acct number. I called. I was then told that the debt was from XXXX for staples. but that it has been charged off in XXXX I asked what the name of the company was that was actually calling me and was told it was XXXX XXXX but that they are not debt collectors, they are the ones who will file a law suit against me if I do not pay. If I agree to pay they will let me pay {$700.00}. but if they sue me it will most likely be for about XXXX or XXXX dollars. she said they will serve me papers. I said well, I haven't heard anything from anyone for 13 years. if they know how to serve me at my current address why would then not try to send me letters to try to collect. she said it was not their job to find me only to serve me if they want to sue me and that if I don't pay they will garnish my wages and have my bank accounts frozen. I trold her I was on a fixed income bc I am XXXX and receive ssdi and I didn't think they could garnish that or freeze my accounts and she said oh yes they can and they will. she asked if I wanted to talk to the? mediation dept? I said yes. I was then threatened again that I needed to give my email address bc they dfo n't do anything by regular mail and that I needed to agree to pay today. she then asked for my credit card numbe I would be paying with and I said, wait, I have no idea if this is even real and you want me to just give you a debit or cc number? no, I am not doing that. I want documentation sent to my home vial mail. she said we do not do that. You can either pay {$700.00} & change today by XXXX or you will be sued. she said she couldn't email me the documents UNLESS MY DEBIT OR CC NUMBER WAS GIVEN. I refused. Then I said, I moved several times, each time I put in a change of address, if they were in fact trying to getr in touch with me, I would have gotten mail forwarded to me. I was at the address they had on file for 3 years before I moved and the next house I was at for 3 years and not once did they send me anyrthing. she said, its not their responsibility to find you. and I told her, well you have my current address now and you rigfht away go to suing me? I ended the call. I then did a search and I read that ssi & ssdi payments for XXXX can not be garnished and that the statute of limitations in MA is 6 years. They charged this acct off in XXXX I feel this is a last ditch effort to collect on a debt that I CONTESTED in the first place because it was for a defective computer that they refused to let me return and refused for 3 years to fix. Now they are threatening to freeze my bank and sue me and were very nasty on the phone and yes, I got nasty back bc I felt threatened. This is wrong and I feel illegal. I know if they continue to contact me more than once a week that is illegal as well and I will continue to file complaints until they stop. I am still unable to find any information on any of the phone numbers that were used to contact me. I dont even know who or what this XXXX XXXX XXXX is. I only know I did get an email and I will not open it because I really don't know if this is a scam or not. this debt doesn't even show up on my credit report.
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| 05/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Called Citibank XXXX XX/XX/1922 Spoke to XXXX XXXX I have a XXXX House and I have only XXXX amount left on my house and now the rates are low so i opted for XXXX loan on my house as i was doing some cash out to pay for my credit card debts so Citi a credit check on me and came up with XXXX APR and the paperwork said the application is good for 2months so i started checking around with other banks also i got covid and so I got delayed in calling them but I did call the Citibank XXXX XXXX XXXX and spoke to the same guy stating i want to go ahead to my knowledge he said i didnt secure and paid the deposit so the loan was canceled and he will do a new search and between than and now the rate has gone upto 3.50 % APR I agreed to it even than he didnt give a valid reason why he canceled the loan in first place anyways he gave me a week time to decide on higher rate and on XXXX he talked to me and said the rates will go high next we need to lock this rate and i have to give XXXX application fee or next week the rate will go upto 5 % APR So unwillingly i gave him the deposit and than started the Paperwork from than to now i have been giving him papers everyday and sometimes he would say he not receiving paperwork sometime he will say it is not legit and sometimes I will get stupid questions from underwriters asking My COMPANIES NAME IS XXXX XXXX XXXX XXXX XXXX XXXX m a travel consultant in that company and few days later they came up with my Ex Brother in laws name why your name XXXX and XXXX they seem to be same names and he was my 1st husbands brother i didnt know why they have to dig him from 30yrs back I was very furious and i called and complained that i have been asked the same paperwork again and again so a Teamlead called me XXXX XXXX and she promised me i wont be harassed again with stupid question sure enough 2days later I was asked by Underwriters why is your Husband name XXXX that is his Alias and they said to explain and they digged all my properties and needed explanation they were pulling out my history from 30-40yrs back they didnt get anything as i m law abbiding citizen even though i have XXXX loans but i did my payments on time and credit score of XXXX respectively, And XXXX broke me when i sent him all the paper of tax returns which were given to me by Tax lawyer and XXXX said he needs more paperwork on tax return where can i bring XXXX paperwork when it was not giving to me I told him i think i m discriminated as I m XXXX please stop the application and give me my XXXX application money back and this guy look at his audacity i have been providing paper from XXXX and he withdraws my case and says i m not willing to give papers so CITIBANK wont return your application fee. Sir I am asking them for loan because i m down in credit card debts by XXXX and they are stealing my money and now when i m complaining nobody is responding to me i have called numerous time and no reply I just want my money back which i will dispute i paid by different card and i will dispute it there but my say is why is bank putting us up thru all this I m not begging for loan if they dont want to give it fine I will take my nice credit and get it from another bank even though the rates have gone higher but putting us thru mental trauma and than treating us like beggars and not calling back this is not done I work for XXXX XXXX XXXX reputable company and we are asked to reply if some customer has a dispute doesnt citibank have norms and respct for their customer why will they get away with screwing up my APR and will charge XXXX on closing cost and still dig into my credit history from XXXX back ... XXXX need justice on mental harrasment and trauma and I m discriminated because I am XXXX how can a law abiding citizen be harrased like this and the feel it will be just a mere complain I m not going to take this issue with hands down if not i will write to the CEO of company. I mean business I have been a nice person never declined or bounced any check in my life with a good history I just need a loan because of covid I was furloughed and part few months layedoff but that was not a crime. I need justiice ASAP any paperwork you require I m ready to submit. Right from the first time when i contacted them i have all the paperwork.
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| 02/14/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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XXXX I have contacted Citibank on XX/XX/XXXX the to report my card lost and filed a dispute for unauthorized transactions. On XX/XX/XXXX, Citibank responded with a generic letter stating that the withdrawals were made from my account with my card and that my debit card and PIN were used to perform the withdrawals which is consistent with normal activities.
First of all, if that wasn't my account and my card, I wouldn't have contacted Citibank. Second of all this is not consistent with my normal banking activities since I rarely withdraw money from the account. Third, this is absolutely not consistent with normal banking activities because I can't perform withdrawals which dispersed both bills and cents because that exactly what is being presented.
I told Citibank that I had people moving my staff to a different location and that I had a big envelope which contained my XXXX XXXX account disclosure, my XXXX XXXX card, my XXXX XXXX card PIN written on a piece of paper which is the same as my Citibank debit card, and finally my Citibank debit card in the envelope. The envelope containing my cards was among the staffs that were packed. I kept only one card ( XXXX XXXX debit card ) on me which was used for my daily expenses.
So, after a week or so of packing and moving my staffs to a new location, I realized that the big envelope was missing along with few other staffs. So, I contacted the people that did the moving but couldn't get in touch with any of them. The next day, I couldn't locate my Citibank debit card which I didn't know that I left it in the envelope that got lost.
Both of my cards ( XXXX XXXX card and Citibank card ) have been used to withdraw money out of both accounts. However, I received a text message from XXXX XXXX Fraud department asking if I am attempting to withdraw a certain amount of money which they said was not consistent with my normal banking activities. On the flip side, I have never received text messages, calls, emails from Citibank asking the same. I told XXXX XXXX that I wasn't trying to withdraw money out of my account. The bank took the necessary steps to close my card and prevent money to be disbursed Citibank never took these preventive steps. Also, it appears that the transactions were done overseas which should have been another red flag for Citibank to noticed like XXXX XXXX did. I was using my XXXX XXXX account during the time that the time the unauthorized transactions were made. Therefore, I can't be in two different opposite locations at the same time.
I have attached a copy of the text message sent to me by XXXX XXXX, a copy of my XXXX XXXX account transactions showing dates and places where I used my card, a copy of store receipts showing dates confirming my locations, and a XXXX XXXX showing unauthorized transactions that was blocked or reversed.
Citibank conduct.
1. Citibank bank never used preventive methods to prevent the unauthorized transactions which is Reckless 2. Citibank Bank conducted their investigation through a third party who did not bother listen about how the incident happened. ( again Reckless ) 3. Better yet, I volunteered to give them all the additional information that I had to make sure my claim was properly handled. They refused! Beyond Reckless!
4. Citibank sent me a generic letter without explaining the why the case was denied! Frustrating!
5. I am protected by the zero-liability protection!
Not only Citibank did not take preventive measures to prevent the unauthorized transactions but have conducted a reckless investigation before sending me a frustrating letter with no proof no evidences to deny my claim.
This shows that Citibank is an irresponsible bank and is only focus on ripping customers off.
Citibank has been caught up in a series of scandals and this time around they dont even bother rely on anytime to evade their responsibilities.
The Consumer Financial Protection Bureau must take action to make sure that I am protected from those unfair acts and practices and I urge Citibank to resolve this claim as quickly as possible before I file a lawsuit.
Failure to provide concrete evidences that I authorized these transactions, Citibank is obligated by federal laws to reimburse these unauthorized transactions.
XXXX XXXX
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| 04/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I have been paying for the Citi Payment Safeguard service on my Citi Dividend MasterCard since activating this card on XX/XX/XXXX. At the time, I had to call Citi in order to activate my card, and the Citi representative would not let me activate my new card without accepting the Citi Payment Safeguard service. I later read the terms and conditions and understood that this service would take care of the minimum payment on my Citi Dividend MasterCard if I became unemployed, so I kept paying for the Citi Payment Safeguard service every month for over 14 years.
Earlier this year, I tried to activate my Citi Payment Safeguard benefit after becoming unemployed late last year. This process took several weeks as I had to wait for the form to apply for the benefit to arrive in the mail, gather the required documentation to send with the form, wait for a response via postal mail, and then send in additional documentation. The last response I received from Citi Payment Safeguard Processing Center. XXXX XXXX XXXX, XXXX XXXX, TX XXXX, dated XX/XX/XXXX, stated " We have received the request for activation of a Citi Payment Safeguard job loss benefit. Our records indicate that you had no outstanding balance as of the date of the covered event. Therefore, no account credit is due. '' From this response, I understood that I would not be receiving a retroactive account credit for the first payment ( since it had now been several months since I became unemployed ), but my benefit had now been activated according according to the Terms and Conditions of the Citi Payment Safeguard Classic service : Job loss benefits : A Monthly Credit for up to 24 billing periods. The first Monthly Credit is based on the minimum payment due as shown on your statement for the billing period in which the event began. After that, each subsequent Monthly Credit will be based on the minimum payment due as shown on your billing statement for each billing period in which the job loss continues.
However, I was very surprised to receive an alert from Citi on XX/XX/XXXX that my Citi Dividend MasterCard account was past due because the Monthly Credit had not been received for my minimum payment. When I called the number on my Citi Dividend MasterCard to ask about this, the Citi debt collection representative told me that I would need to call Citi Payment Safeguard directly, so I had to wait until the following Monday to speak to a Citi Payment Safeguard representative, who explained to me that the last response was a DENIAL of my job loss benefit, and how to submit an appeal, instead.
The response I received to my appeal from the Citi Payment Safeguard Processing Center containing some additional clauses in the Citi Payment Safeguard Classic Terms and Conditions that were not in the copy that I had downloaded before submitting the claim arrived in the mail at the same time as a " Payment Safeguard Reminder '' from Citi ( at least the second such reminder I had received this year on my Citi Dividend MasterCard ) with a " helpful reminder that you purchased and are currently enrolled in a Citi Payment Safeguard program ... You are charged a fee for this product each month even if you pay your balance in full, so don't forget to take advantage of all its benefits. '' However, according to the additional clauses that the CIti Payment Safeguard Processing Center inserted into the Citi Payment Safeguard terms and conditions, someone who normally paid their balance in full would never be able to take advantage of these benefits. I pointed this out in my second appeal, sent XX/XX/XXXX, but still had not received a response before the close of the next billing cycle on my Citi Dividend MasterCard, so I called the Citi Payment Safeguard Processing center again on XX/XX/XXXX to inquire on the status of my appeal. The Citi Payment Safeguard representative told me that my appeal had been denied, again, but I still have not received a response explaining the discrepancy between the terms of this service as described in the original Citi Payment Safeguard Classic Terms and Conditions that I had downloaded from my Citi Dividend MasterCard account documents ( attached ), and the revised Terms and Conditions as stated by the Citi Payment Safeguard Processing Center.
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| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX I, XXXX XXXX XXXX observed an extraordinarily auto payment withdrawal from my XXXX XXXX XXXXXXXX Account to The Home Depot XXXX
The amount withdrawn was much larger than previous auto payment amounts monthly from my Bank Checking account. I then called Home Depot at ( XXXX ) XXXX I called The Home Depot XXXX, I was placed on HOLD for about 25 minutes. Finally an employee stated his name was : XXXX, retrieved my call from being placed on hold.
I then asked XXXX for his employee Identification or badge number. He gave me employee Identification number ( XXXX ). Upon verifying my date of birth and the last four digits of my Social Security number and my Home Depot account number that ends with I then proceeded my telephone call with XXXX explaining to him that the amount withdrawn using Auto Pay from my Checking account ending in ( XXXX XXXX was a huge error made by The Home Depot XXXX.
The Home Depot employee XXXX informed me that I was incorrect WHEN I GAVE HIM MY ACCOUNT NUMBER XXXX informed me that I had another account on file that ended in DIFFERENT NUMBERS What other account you talking or referencing about, I asked? XXXX then disclosed to me that a second account on file ending with the last two digits ( XXXX ) was opened in the year XXXX and that the last four digits of my Social Security number was used to open that account. I then calmly continued to explain to Mr. XXXX that I have never had, or received an account, nor have I ever opened an account with the Home Depot XXXX ending in account numbers ( XXXX ) in the years XXXX to this day, present time.
Home Depot employee XXXX informed me that for Security Reasons he could not disclose to me the last four digits of the other account number ending in ( XXXX ) when I had asked him. XXXX informed me that the account on file with the account numbers ending in ( XXXX ) has the same last 4 digits of my Social Security number and that the year of birth on record was year I WAS BORN Employee XXXX then proceeded to ask me if I know an individual who is referenced as XXXX XXXX? I then replied who, he then repeated the name again XXXX XXXX and continued to disclose to myself that she also has the same birth year, last four digits of my social security number ending.I then replied I have never known an individual named XXXX XXXX.
He, Employee XXXX, was unable able to verify further information pertaining to the account ending in XXXX per policy he stated. XXXX informed me that I should then call the retail/legal support department at XXXX to explain to them about the mishap of The Home Depot Corporations error. At that time I spoke with The Home Depot XXXX employees XXXX, XXXX, XXXX, and XXXX who were unable to identify themselves with any employee Identification numbers when I had asked.
I requested all statements and receipts pertaining to the fraudulent account ending in ( XXXX ), As well as the statements for my account number. I was informed that I would have to go to the store locations where I had previously made purchases to obtain the receipts. The Home Depot XXXX then disclosed to me they could only produce two years of receipts and that they can only be obtained physically in the stores.
On XXXX XXXX I then proceeded to The Home Depot XXXX XXXX XXXX, XXXX, Massachusetts XXXX location and The Home Depot XXXX XXXX XXXX, XXXX, CT XXXX where I then received two years of receipts.
Upon arriving at home I then continued my investigation by looking back at purchases that I had made at the two locations referenced above. I then discovered fraudulent purchases that I have never made or attempted to make at anytime. I then contacted by via telephone to no prevail The Home Depot XXXX to explain the discrepancies. I then physically returned back to the two locations mentioned above to dispute the purchases I never PURCHASED or AUTHORIZED from The Home Depot XXXX locations. I was then assisted by an employee at the The Home Depot XXXX Customer Service Department. While retrieving through the discrepancies the employee stated, We can only obtain two years of receipts because our company, Home Depot had a data breach in the years XXXX and XXXX. Then the employe continued, stating This place is a XXXX XXXX hole, Nobody can ever find anything.
|
| 09/22/2017 |
Yes |
- Checking or savings account
- Other banking product or service
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I enrolled with XXXX XXXX XXXX, a debt relief telemarketing service that pretends to be a legitimate law firm, to try and settle debts with creditors and avoid bankruptcy. XXXX XXXX XXXX, started to charge me {$980.00} from the first day I enrolled with them and kept my money in a Trust account on my behalf. XXXX XXXX XXXX, collected {$980.00} for eight months before they told me that they could not negotiate debts on my behalf. I was eventually sued by my creditors and now I have to file a bankruptcy with a much larger debt than I had when I initially enrolled with XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to attempt to settle any of the debts with my creditors, they directed me to NOT pay my debts during the time they collected my funds and they breached their contract because they were supposed to be providing a service of debt relief on my behalf. In the end, I wrote a letter to the company asking for my money back since XXXX XXXX XXXX, did not perform any work on my behalf. They sent me less than half of my money explaining that they used the other 54 % of my money in the Trust account for administrative fees that include but are not limited to ( 1 ) charging me for calling them to ask about the status of my case, ( 2 ) charging me for emailing them to get a status on my case, ( 3 ) charging me for a cancellation fee, ( 4 ) charging me for having to explain their case to the Justice Department in the State of California and postage for the same, and ( 5 ) charging me for contacting a creditor which they could never get to settle and after they sent me their billing summary the creditor confirmed they never spoke to XXXX XXXX XXXX. The total amount collected from me in form of automatic debit per month between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX was {$8000.00}. I received no services for this money. On XXXX/XXXX/XXXX, with the help of the California Secretary of State and the Justice Department, XXXX XXXX XXXX, refunded me {$3600.00} of the total {$8000.00} claiming they get to keep this money for administrative fees. XXXX XXXX claim is in direct violation of Federal Trade Commission rule of Telemarketing Services Rule 16 CFR Part 310.3 ( a ) ( 1 ) ( viii ) A through D entitled Deceptive telemarketing acts or practices - In the sale of any debt relief service AND Telemarketing Services Rule 16 CFR Part 310.4 ( a ) ( 5 ) ( i ) A through C entitled Abusive telemarketing acts or practices - Requesting or receiving payment of any fee or consideration for any debt relief service until and unless AND Telemarketing Services Rule 16 CFR Part 310.3 ( a ) ( 2 ) ( i ) through ( x ) entitled Deceptive telemarketing acts or practices - Misrepresenting, directly or by implication, in the sale of goods or services any of the following material information. All of the above rules are part of a regulating body that governs companies that promise debt relief such as XXXX XXXX XXXX, and it is meant to keep XXXX XXXX XXXX, from " front loading '' fees a term that basically means the company can not charge upfront for services it does not perform. XXXX XXXX XXXX, has not provided any proof of settlement of any debts on my behalf with any creditor, they wrongfully kept my money in a Citibank N.A., Trust Account Routing number XXXX and account number XXXX, and they have not provided any proof that any attorneys work for their company. In almost one year they have not provided a name or Bar number for one single attorney in what they claim is a multi-jurisdictional law firm with over 35 staff attorneys. I would like help recovering the remainder of my money from the Trust account above that holds my funds on my behalf according to XXXX XXXX XXXX XXXX own agreement. The amount still owed to me is {$4300.00}. XXXX XXXX XXXX XXXX phone number is XXXX XXXX XXXX XXXX XXXX or locally in California XXXX XXXX XXXX XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX. XXXX XXXX XXXX XXXX email is XXXXXXXXXXXX or XXXXXXXXXXXX. XXXX XXXX XXXX, also advertises daily on XXXX radio station XXXX in the New York XXXX Area under the names " XXXX XXXX XXXX '', " XXXX XXXX XXXX '', their website is XXXX - email : XXXXXXXXXXXX ( Contact names : XXXX XXXX XXXX - Enrollment Advisor ) or XXXX - Manager.
|
| 02/10/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
|
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Time line : XX/XX/XXXX : Mobile Deposit through Citi Mobile of the Citibank Check # XXXX for an amount of : {$2200.00} ( see attachments # 1 ) Email received from Citibank acknowledging the deposit.
XX/XX/XXXX I received a Citibank email stating : Please allow 1-2 days for processing and then write VOID on the front of the original check and destroy it. All deposits are subject to review and funds from your deposit may not be available for immediate withdrawl. ( see attachment # 2 ).
XX/XX/XXXX : After waiting for the processing time, thinking that the check has been reviewed and cleared, I transferred in the evening at XXXX the amount of {$1900.00} through Zelle , a Citibank tool. The transfer was done successfully, which I understood as one more proof that the check has cleared. I wrote Void on the check, as directed, but luckily I didnt destroy it. ( attachment # 3 ) XX/XX/XXXX : I saw on my account page that I have a returned check of the same amount. So, I called the customer service of Citbank and was told that the check I deposited on the XX/XX/XXXX was fine and that the check that bounced back is the second check that I deposited on the XX/XX/XXXX.
I was also told that If I wanted more information about the bounced check I need to go to a Citibank branch.
So, given that it became clear to me that the transactions I have done were not good, I went on theXX/XX/XXXX to the XXXX branch of Citibank, located at : XXXX XXXX XXXX XXXX, XXXX, DC XXXX, where I was confirmed that the check that was deposited on XX/XX/XXXX was good and that its the check that I deposited on XX/XX/XXXX that bounced back.
XX/XX/XXXX : In the morning I found out that on XX/XX/XXXX, at XXXX or so, I have had {$2200.00} withdrawn from my account.
I called right away the customer service of the Citibank and asked about the matter. I received confused and contradictory information regarding which check was rejected and when.
Given that I was not happy with the answers I received by phone, I went to XXXX XXXX branch located at : XXXX XXXX XXXX XXXX, XXXX, DC XXXX, where I have my account, and talked with an account manager. After giving me some confusing information, she explained to me that when I deposit a check in the bank, and because I am a loyal and good customer, as a courtesy, the bank makes the funds available to me, almost immediately but does not check whether the funds are actually really available. In case the funds are not available, the bank reserves the right to withdraw the funds from my account. I was surprised with this explanation because I never asked the bank for such courtesy. I was astonished and I said that I dont unsderstand why the bank would do me any favor without my knowledge or my request.
To make things short : on XX/XX/XXXX, through the bank manager, a first request was put to understand which check was withdrawn and when, and why? because none of these information was available clearly, even to the branch manager.
On XX/XX/XXXX I went back to the branch manager, as agreed with her, and after some phone calls, to learn that the check I deposited on XX/XX/XXXX was returned on XX/XX/XXXX as an altered check. The bank sent me a letter, later, you can find as attachment # 4.
So, I asked the account manager to put a request request asking the bank that : given their confused communication about clearing checks, given that the checks and the transfers I have done were all through Citibank, given all other communications either by phone or in person were misleading, and given that I never asked the bank for the favor to release me the funds before it clears the chack, I would appreciate it to have the amount of {$2200.00}, that was withdrawn from my account, be returned.
The bank replied by the letter you can see in attachment # 5. Asking me to go back to the maker.
I didnt accept their explanation and escalated the matter to receive once more an answer that says that : once I deposit a check in the bank, it makes the funds available to me available as a courtesy, then as written in their rules, it reserves the right to withdraw the funds if the check does not clear. Also, I was told that theres no specified time as to when the bank checks the funds, and that it could take 2 weeks or more.
|
| 09/12/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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Citibank continues to engage in the deceptive practice of promoting its banking services and attracting Customers funds at the expense of Public losing time and financial benefits.
On XX/XX/2022 I have responded to Citibank promotion " Welcome Checking Cash Bonus Offer ( inBTA ) '' The promotion required new checking account to be opened within one of the Citibank 's account packages and after which certain balances must be maintained on the account within specific period of time. ( see attached ) 3 pages long promotion description specifies " Eligible Customers '' and mentions " Certain Checking Accounts are eligible for the Welcome Checking Cash Bonus Offer ''.
In particular it mentions " Basic Banking Package '' with the remark " ( only Regular Checking available for Basic ) ''.
After which goes long list of " Required Activities : '' where " Eligible Customers '' are instructed to " enroll in the Welcome Checking Cash Bonus Offer on the same day you open your new Checking Account pursuant to the instructions provided ''.
The convoluted instructions Citibank provides make no distinction between simultaneous " apply '' and " enroll '' but require both. Furthermore the citi.com online promotion somehow differentiates between following precise instructions and " if you open your account on citi.com by any other means than those described ''.
Having spent considerable amount of time figuring out what exactly the steps and the sequence, i decided to give another try by " by clicking apply now.
I was presented with the choice of " packages '' from which Customer would select desired Checking Account ( apparently in the language of Citibank promotion " package '' means Checking Account only! ( see attached ) Within all the options, one stands apart.
It is an Option to " Consider an Access Account if you don't need checks ''.
Citibank deliberately fails to disclose interpretation that when Customer " Consider an Access Account if you don't need checks '', Citibank considers these Customers to be ineligible to Welcome Bonus.
Having recognized my intellectual inability to properly interpret Citibank 's " Welcome Bonus '' language I followed up with Citibank Customer Service ( see attached ) I was reassured by Customer Service representative that " yes ( the promotion ) is already attached you just have to follow the instructions that were there ''.
Having recognized my intellectual inability to properly interpret Citibank 's Customer Service language I followed up again after completing all " Required Activities : '' ( see attached ) Once again I was reassured that " Let me check the promotion details... Your account is enrolled in the promotion : XXXX '' Not until the time to Pay the Bonus the true meaning came about. ( see attached ) " Yes, the Account is enrolled, however you didn't open the correct Account Type to receive the Bonus. ", followed by interpretation that " Enroll means to register for a Account or an Offer '', " But you are not eligible for the Offer as you didn't meet the criteria of the Cash Bonus offer ''.
To summarize, I was explained that " Yes, the Account is enrolled, however you didn't open the correct Account Type to receive the Bonus '' and " the account is qualified for the offer and bonus is paid for as long as the promotion criteria are met '' just before the reversal and the declaration " I have double checked your Account and there are no Promotions linked to this Account ''.
This promotion and deception still continues!
In modern iteration of " Important Legal Disclosures and Information '' Citibank removed any notice of Access Checking Account while still offering the Access Account as " if you don't need checks '' under promotion " apply now '' requirement.
Having recognized my intellectual inability to properly interpret Citibank 's " Important Legal Disclosures and Information '' language I must assume that modern interpretation is going to be that where the statement " Open a new Checking Account in any Citibank account packages '' persists it leaves the room for Citibank to deceive Customer by declaring Access Account not being the part of the Package.
The behavior and the attitude that is unworthy major XXXX XXXX in particular and Banking XXXX in general.
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| 10/01/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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After about one year struggling to solve the problem with the Best Buy Store in XXXX CA # XXXX in XXXX XXXX XXXX,3 miles far from my house, On XX/XX/XXXX, I wrote a letter attached to all the required documents to Best Buy Credit Card Dispute Department to let them know my dissatisfaction with the goods/services that I had purchased with my credit card while I had tried in good faith to correct the problem. Because I did not get any result, I sent another letter dated XX/XX/XXXX to Best Buy Credit Services to let them know my dissatisfaction with the proceedings. I enclosed a copy of my order in five pages and the related after bill charges in four pages. I had also attached two images of the water source and water line kit and a copy of the agreement for the XXXX XXXX subscription. I have never received a reply to my dispute which I had presented to follow my right according to the Terms and Conditions of Offer attached to the agreement. In my " Billing Rights '' section of the agreement, I have been noticed about my rights and the Best Buy Credit Cards ' responsibility under the Fair Credit Billing Act.
In my latter letter, I wrote : " According to the notice provided on page 21 of the rules, I may have the right not to pay the remaining amount due on the purchase. To use this right, all three numbered conditions must be true which I believe I am fully and truly met.
The notice explicitly states : '' If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address for billing inquiries and correspondence shown on the front of your statement. '' Then I added : " Under the Fair Credit Billing Act, your responsibility is to investigate thoroughly about my claim in good faith and after having finished your investigation, you must disclose your decision to respond my claim. '' Unfortunately, I have never received any reply for my problem which I had explained and been substantiated with the documents presented attached to my letters.
Again, I am briefing the actions that were taken in here for your consideration : 1. Last year, in XX/XX/XXXX, after getting proposal from one of the associates in appliance in-home services at the store, I made an order to buy a refrigerator ; XXXX model XXXX XXXX XXXX.
2. This model matched my inquiry for making ice to take care of my family including my grandkids.
3. I believe I paid {$300.00} over the regular price of a refrigerator without ice-maker unit.
4. At the date of delivery, they refused to connect water line kit.
5. The water source has less than six feet length from the ice-maker unit. No need to cutting, soldering, or sweating of copper water joints.
6. From the date of delivery, I have tried a lot to apply for the remaining of the job that must be done by the delivery department of the store.
7. In XX/XX/XXXX, the appliance department of the store pushed me to register for the XXXX XXXX maintenance by paying {$190.00}.
8. On XX/XX/XXXX, under the basic installation to existing ice, they made an appointment for the job needed.
9. The group responsible for connecting the waterline kit refused to do the job.
10. On XX/XX/XXXX, under the new water supply line, they applied {$49.00} for another appointment to get the job done.
11. In the morning of XX/XX/XXXX, a handy man, named XXXX, was sent to my house and after looking at the water supply refused to connect the waterline kit due to the lack of the required tools. He told me that he will come back around XXXX to XXXX XXXX in the same day with the required tools to do the job. That guy explicitly told me that everything was present for the job to be done. Also, he expressed : the job is so easy to do.
12. After XXXX XXXX. of the same day when that guy didnt show up, I called the delivery department of the store and they had no reply for me.
13. Finally, on XXXX XXXX, somebody called me, from the delivery department of the store, and with no excuse stated that they want to refund my {$49.00}.
I have a lot of records for my phone calls without getting any result during the last year.
According to the documents provided, Best buy has the responsibility to deliver the goods sold in the situation to be used in full services by the customer.
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| 08/31/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I noticed on my macys card/statement that i was being billed {$15.00} with interest for a protection program since XXXX that i did not sign up for. I was informed by the credit card protection company that this was the only card i have enrolled in the protection plan out of all my card. And that i was enrolled in the store at time of set up. I did not consent to this enrollment nor would i only put protection on one card let alone a card/store that i hardly shop at.
this has now made me pay this monthly since XXXX and my last time i purchased that it will allow me to go back to was XXXX. i hardly ever use this card and now have paid off my purchases plus some along with over paying in interest. I do have automatic payment set up so i have no reason to log on and set up a payment this is how i never caught the fee for this protection that i didnt need or want. i have contacted the protection program starting in XX/XX/XXXX and filed 4 appeals of this and asked if it can be revolved from when started for from last purchase along with the increase.
My interest rate was also increased without agreeing XX/XX/XXXX from 26.50 % to now 27.24 % my new balance as of today is XXXX i asked them to speak with citibank myself but they tell me someone will contact me in 30 days and i never hear nothing or receive a letter only a call for XXXX that my request was denied and i have asked this of her several times to speak with citit that i want this disputed or i want it dated back from my last purse since there is no reason for protection of a purchase and was told i can not. they will not also show me how it was enrolled only that is was set up in the store or give me the name of the person or showing that i signed a physical paper rather then options on a key paid that was selected by the office that they would receive a promotion or bonus from. i was denied that information as well i have called monthly since XXXX along with in XXXX calling ever 2 weeks to check the status since i was told something would be sent or contacted and anything i did receive was a notice from macy which i was informed was not the letter from citi that it would show citibank on the header.
i feel this amount should be taken care of from the store since all my purchases have been paid more then in full and at this current time money would be even owed back to me with the amount i paid interest. i was informed by macys protection program that they can not back date purchases or statement greater then two years to give me more information so i can add the total amount that is really due to me along with all i have already paid XXXX to now at 26.50 % to XXXX to now 27.24 % interest increase for {$15.00} is more then my total of XXXX i realized something didnt make sense when this card should have been paid off. i do not get a noticed to my email that a statement was made available or that a payment was made neither so if family didnt bring up the store macys saying something was on sale there i would have never logged on to check on a price.
i have disputed this 4 times doing this monthly and the last contact was on XX/XX/XXXX and only a voicemail was left with no information only that not eligible which i called back asking again for a supervisor and to speak with the department myself from citibank and still have no heard anything from them.
this protection program was made i still in a freud way without my signing an agreement physically i wouldnt need protection when i have a full time job nor shop at this store often nor do i have protection on any of my other cards when i work in the medical field its not a job i would lose where my income wouldnt be stable or not be able to pay this. i did ask since i paid this from XXXX then what help can they offer they said if i become unemployed it would just delay my payments which is still no good for me so this protection program would never of been needed or anything i would ever need to help me with or a service i would ever ever use.
i have no letters or notices to attach because they have never sent anything to me in the mail i just have to keep calling or if a voicemail is left i call back and speak with XXXX i have no proof that this was even done correctly or what is being done.
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| 12/05/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I applied for a new Citi checking account to receive a bonus valued at {$500.00} after receiving an advertisement. Upon completing the requirements, Citi instead closed my account in error and refused to rectify the situation.
I hold a Citi ThankYou credit card and received an offer from Citibank for XXXX bonus ThankYou points ( value : {$500.00} when redeemed for travel ) if I opened a new checking account, transferred at least {$15000.00} into the account, made 1 bill payment from the account in each of 2 consecutive months within 60 days of opening the account, and maintained a minimum balance. On XX/XX/XXXX, I applied for, and opened a new Citi checking account. I fulfilled all of the requirements ( proof of address, proof of ID, W-9 form, and signature card ) submitted by XX/XX/XXXX, linking my ThankYou rewards account to the new checking account and receiving an email confirming my enrollment ( see attached ). Mindful of the requirements to fulfill the bonus offer, from the new checking account I made 2 bill payments in XXXX and scheduled another payment on XX/XX/XXXX.
However, I attempted to log into my account on XX/XX/XXXX only to discover that it was blocked. Upon calling Citi customer service, I spoke with a supervisor who told me that my account was locked because they had not received a photo ID and proof of address. I had sent this information to Citi via XXXX on XX/XX/XXXX. ( Attached I am including the email I received from Citi on XX/XX/XXXX confirming Citi 's receipt of these documents, as well as the submission I made with XXXX. ) Citi had in fact never notified me it was needed until I was unable to get the account up and running and made several contacts to customer service in XXXX to figure out why - finally someone told me that this information was missing, sent me a link to submit the photos/bills via XXXX and with another call later in XXXX or early XXXX ( I forget exact date ) confirmed that it was received and released my account to make bill payments. Indeed, the supervisor on XX/XX/XXXX told me that he saw that they did in fact receive this information and he would unlock my account and send me a new debit card in 5-7 business days. He even confirmed that the bill payment I had set up on XX/XX/XXXX had gone through ( being the second consecutive month of bill payment and also the 60th day after the account opening, this was needed to fulfill a requirement for the bonus offer. ) All was well, I thought, until today ( XX/XX/XXXX ) when I received an email from Citi to check my secure messages. Upon logging into my account I discovered that the checking account was closed and the balance of nearly {$15000.00} was now XXXX. I called customer service and spoke to a supervisor, who told me that my ID/proof of address was never received and my account was closed and the funds sent to me in a check via postal mail ( not yet received ). She further told me that there were no notes on my account from anyone else I had spoken to, and that I must have been given incorrect information by the supervisor the previous day. When I asked how we could rectify the situation, she told me that there was nothing they could do to honor the XXXX point ( {$500.00} ) reward offer because my account was already closed. To add insult to injury, she told me that I was disqualified from applying for a new rewards offer for 180 days. I emphasized that I followed everything and this was clearly an error on Citi 's part, but she repeated that there was nothing she could do about it. Of course, conveniently for Citi that means that they will not give me the XXXX points ( {$500.00} ).
I did receive an email from Citi on XX/XX/XXXX telling me that the documents were missing and that I needed to submit them " by XX/XX/XXXX '' ( Attached below. ) Given that the deadline was nearly a month in the past, that I already had confirmation that the documents were received, and that I had spoken to customer service agents telling me the same, I believed this email to be nothing more than a glitch and I ignored it. Furthermore, the fact that the checking account was fully up and running and was able to link to my ThankYou points account, I had no reason to believe that Citi was actually missing anything.
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| 04/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I have been attempting to resolve this issue for months now. A derogatory mark was placed on my credit report by Macys Inc due to a late payment of {$8.00} that was due by XX/XX/XXXX. Ultimately, a payment was submitted by me on XX/XX/XXXX of {$12.00} ( {$4.00} interest charges ). The dispute is not regarding the {$4.00} but the lack of proper notification by Macys that a payment was due. I should have received a notification via email on XX/XX/XXXX that a new statement was available, I never received this email. Macys claims that an email was sent and that a paper statement is sent, regardless of paperless statements, if a payment is late more than 30 days, I never received this letter, but Macys claims it was sent. I only found out about this late payment via a 3rd party, XXXX XXXX, and I immediately paid the balance due. The reason for delinquency has nothing to do with financial hardship as the amount is nominal, but due to a lack of proper notification from Macys towards its customer. Ive called the credit department that pertains to Macys and I have gotten nowhere, I escalated the issue to upper management, and nothing has been done other than not agreeing with my assessment of the situation. I wrote in 3 packages to separate address headquarters in XXXX to explain the situation, Ive written in to the corporate office multiple times through the web portal, and most recently I filed a complain via the XXXX XXXX XXXX and I only received a letter denying my request and Macys not willing to accept responsibility. Essentially, this is my word against Macys because they claim everything was sent and protocol was followed. But again, this is not the case and it is unfairly hurting my credit score. The evidence that I have to support this is my credit worthiness, history, and behavior. Prior to this incident, I had a XXXX credit score of XXXX and since then it has dropped to XXXX. Ive had multiple credit accounts in my 15 years of credit history that includes car loans, home loans, and credit cards and my credit history speak for itself. I have never been late, Ive never exceeded my credit limit, never spend irresponsibly, etc. I rack up more than {$2000.00} worth of credit expenses per month and every month it is paid in FULL and on time. Ive asked Macys to use common sense in this situation and realize that a late payment on such a small amount is completely out of character, based on my credit worthiness and payment history. Ive had the Macys card for 6 years and never have I been late ( nor any other loan, credit card, etc. ). Ive sent in documents to support this as well via email and via post and this does not see to be taken into account. Although Macys claims they sent everything, I can tell you that is not the case. Why wouldnt Macys realize this given my history? Why wouldnt Macys realize that perhaps even though they sent everything they claim the sent, that maybe I did not receive it? Mail is lost all the time in cyber space and via post. Why doesnt Macys give its loyal customer the benefit of the doubt especially when I prove that it is completely out of my credit history? At which point is my word accepted as true? If I were irresponsible with credit and my history showed this, that is another story and I would have no right to file claim after claim and dispute this derogatory mark. Clearly, this is not the case and I wish Macys would accept responsibility. I realize companies do not want to set precedents, and I understand that, but clearly, there is a problem here. Justice is not being served and Im wrongfully being hurt here. Again, I had to depend on a 3rd party to be notified. Macys did not properly notify its customer which is disappointing, unfortunate, and startling. This is small potatoes so not sure why I have to get to this point in order to resolve this problem. I've jumped through so many hoops and I'm continuing to do so all for an {$8.00} payment in which I was not properly notified. Enclosed you will find proof of my credit history and response from Macys with regards to the XXXX claim. Macys is simply reiterating everything that occurred ( which I already know ) and is not helping. My credit history clearly shows that this late payment does not make sense.
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| 03/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On XX/XX/XXXX I purchased a ticket for a concert through XXXX for {$350.00} using my Citibank AAdvantage Platinum Select AMEX Card. The concert was scheduled for XX/XX/XXXX but was postponed then later cancelled in XXXX due to the COVID-19 pandemic. XXXX sent me an e-mail advising the concert was officially cancelled and that I would be refunded my {$350.00} in 30 days.
After 30 days, I received nothing from XXXX so I contacted Citibank who was my card holder to dispute the charge ( Dispute ID # : XXXX ). During the initial phase of this dispute Citibank discontinued my AMEX as they advised they are no longer doing business with AMEX so WITHOUT MY CONSENT they converted my AAdvantage Citi Platinum Select AMEX card ending in XXXX to a AAdvantage Citi Platinum Select MasterCard ending in XXXX. All charges were including the dispute was migrated from the AMEX to the MasterCard. I advised Citi I did not want the MasterCard nor was I consulted about change to another one of their cards.
During the dispute, I was given a temporal credit during their investigation and which was later reversed by XXXX as they advised they did not have the money back from the event organizers so they could not refund me and the {$350.00} was put back on my card as a charge.
Citi asked if I would like to appeal the decision which I did as I had XXXX 's e-mail advising I would be fully refunded due to event cancellation. On XX/XX/XXXX I advised them we will appeal. I was given a second temporal credit by Citi for the appeal which was also reversed by XXXX as they were investigating the appeal. On XX/XX/XXXX Citibank advised me we won our appeal and they successfully recovered the {$350.00} from the merchant.
I then advised Citibank to close the account which has carried a {$0.00} balance for three months during the dispute and appeal process as I advised I intended to close the credit card upon the resolution of the appeal. On XX/XX/XXXX I received the {$350.00} deposited into my checking account with XXXX XXXX and on XX/XX/XXXX I received my {$99.00} membership fee reimbursement as the card had renewed during the appeal.
I received a letter dated XX/XX/XXXX confirming in writing that we successfully recovered {$350.00} from XXXX and refund has been awarded and that the investigation was now closed with no further action required of me.
In XX/XX/XXXX XXXX then reversed their refund of {$350.00} after my credit card was closed. Citibank never sent me any correspondence advising of this for 3 months. Until in XX/XX/XXXX, I received a debt collection call from Citibank in attempt to collect a debt for {$350.00}. I explain that was in result of an appeal vs XXXX in which we won, I was refunded and the card was closed with a {$0.00} balance. I asked Citibank on numerous occasions to produce this in writing to my home address which they still have not sent but call my cell # daily to advise of the debt which I do not owe.
I filed a XXXX Complaint against XXXX and Citibank as both blame the other and while my credit score dropped -250 points from Excellent to Fair due to falsified and erroneous debt collection against me as XXXX advised they fully refunded Citibank and Citibank denying being refunded as they claim there was the 3rd reversals in XX/XX/XXXX.
I had to dispute with both XXXX and XXXX due to the misreporting and damage this cause to my credit score as I was attempting to apply for a loan to purchase a home but the credit score search revealed all of this and I was denied.
I will escalate this to a court of law as I'm well versed with the legal field as I have been a XXXX for over 10 years and have never missed a payment on any of my credit cards. I advised both XXXX and Citibank that they are committing fraudulent and unethical business practices and I will sue for all future attorney services, fees, filing costs etc. if they do not rectify this error that they both do not want accountability for while I'm a victim of consumer abuse and having my credit ruined in the process.
Please assist me with review of this complaint as I feel Citibank and XXXX are conducting irresponsible and unethical business practices and are wrongfully pursuing a debt that I do not owe.
Sincerely, XXXX XXXX XXXX
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| 04/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
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PARAGRAPH 1 : I have been a Citi XXXX card holder since XXXX, which I preliminarily used for travel purchases. During Covid, I stopped travelling and my card was cancelled by Citi due to inactivity in XX/XX/XXXX. Unfortunately, I did not receive any email or mail information of this closure and I could even still login into my account, which still showed that I had my full credit balance.
PARAGRAPH 2 : I only became aware of the account closure on XX/XX/XXXX, when I tried to login into my Thank You Rewards account. At this point, I still had XXXX Citi XXXX XXXX Points in my account. I called Citi XXXX XXXX, where I was told that my account had been closed due to inactivity, but that I was still within the 60 days after the account closure that would allow me to use my points. I asked if the points could be transferred to my husband 's Citi XXXX XXXX account, which was still in good standing. The agent informed me that I could only convert the XXXX points to cash at a rate of XXXX cent per point. As this seemed the only option, I agreed and wanted to provide my checking account details for direct deposit. The agent informed me that they could only send a check, which I agreed to. Citi confirmed that the check valued XXXX USD was sent on XX/XX/XXXX ( ordered during my call on XX/XX/XXXX - see confirmation email XXXX ).
PARAGRAPH 3 : After several weeks of waiting for the check, I called Citi and was informed that due to delays checks may take up 6 weeks to arrive. Consequently, I waited longer, but when the check still hadn't made it by XX/XX/XXXX, I called Citi again. The agent informed me that they would cancel the check and resend it. Again, I offered that they could also transfer the points to my husband 's account or do a direct deposit to my bank account, but the agent explained that this was not possible. Citi confirmed that a replacement check valued XXXX USD was sent on XX/XX/XXXX ( ordered during my call on XX/XX/XXXX - see confirmation email XXXX ).
PARAGRAPH 4 : Again I waited several weeks, but the check still didn't show up. I called again and was told that due to delays some checks may even take more than a month, so I waited. I called again on XX/XX/XXXX, and at this point the agent informed me that they would reissue the check yet another time. Again, I offered that they could also transfer the points to my husband 's account or do a direct deposit to my bank account, but the agent explained that this was still not possible. Shortly after, Citi confirmed that a replacement check valued XXXX USD was sent to my address on XX/XX/XXXX ( ordered during my call on XX/XX/XXXX - see confirmation email XXXX ).
PARAGRAPH 5 : This time the check actually arrived at my house without problems, but it was only then that I noticed that Citi had changed the value from XXXX USD to XXXX USD ( which I had previously not noticed on the confirmation email ). I subsequently called Citi XXXX XXXX on XX/XX/XXXX, and explained the situation to the agent. The agent told me that the check should have certainly be reissued in the original amount, but also told me that they could not see the full history anymore, as this was done in the back office. The agent suspected that due to the account closure, it was not visible anymore that the original order was associated to a Citi XXXX XXXX account with each point valued at XXXX cent. They informed me that they would cancel the check yet another time and would write a detailed message to the back office to confirm all account details. While they could not see or confirm the amount, they assured me that the back office would reissue the check valued exactly the same as the original check that was sent on XX/XX/XXXX. After another week of waiting, I just received a new confirmation email from Citi stating that a new check valued XXXX USD was sent on XX/XX/XXXX ( ordered during my call on XX/XX/XXXX - see confirmation email XXXX ).
PARAGRAPH 6 : As there does not seem to be a way to get directly into touch with the back office issuing the checks and the XXXX XXXX customer service can not see the original amount of the check, I am seeking this path to get in touch with somebody at Citi who can actually track down what happened and resolve the issue.
|
| 11/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
Older American |
|
Issue with the sign-up bonus ( XXXX ThankYou Points ) on the Citi Premier card : BEFORE I applied online, I called Citi to confirm that I WOULD be eligible for the bonus, as I'd heard that people sometimes run into issues if they've had ThankYou Points cards before. I understood that I wouldn't be eligible for a bonus if I had opened or closed a TYP card in the past 24 months, but the only other TYP card I'd ever opened was the Citi Prestige, opened more than four years ago on XX/XX/XXXX. I " product-changed '' that Prestige to a Preferred ( no-fee ) card in XX/XX/XXXX, when we were all in lockdown due to XXXX and no one could travel, since the high annual fee seemed wasteful when our budget was tight, and changed it back to a Prestige in XX/XX/XXXX as travel was opening up again. At no time in those four years did I open or close a TYP card.
When I called Citi before applying for the Premier, the woman to whom I spoke confirmed that I would be eligible for the XXXX points bonus. She specifically told me that CHANGING to another TYP card does not count as opening or closing an account. A review of the phone call will confirm this.
However, after I received and activated the card, I saw a note on the Premier account web page stating that the account was NOT eligible for the sign-up bonus. I immediately tried to use the live-chat function on the web site, as I wanted confirmation in writing that I WAS, in fact, eligible for the bonus, but live chat wasn't working, so I was forced to call. Again, the woman I spoke with assured me that I WAS eligible for the bonus, and that there should be no problem with it. She told me that it was just " a glitch in the system, '' and that when " the system '' sees a cardholder has had a TYP card previously, it automatically adds that note to the page.
Since then, I've been using the card to earn the bonus ; in fact, one reason I decided to get the card was because I knew I had a fairly large expense coming up ( new fencing ), so I knew there would be no problem with meeting the minimum spending amount of {$4000.00}. But yesterday I received a letter from Citi which seemed to imply ( but didn't actually state ) that I was NOT eligible for the bonus due to having " accounts in the same product approved or closed within the last 24 months. '' I was able to use the live-chat function this time, but the agent ( " XXXX '' ) to whom I spoke said she didn't see the " offer '' on my account and wasn't able to review phone calls, so she advised me to call an " Account Specialist '' at XXXX. The Account Specialist also was unable to see the " offer, '' and asked me to e-mail the screen shots I'd taken of the application, approval, and original Prestige account opening ( XX/XX/XXXX ).
Again, let me be clear : I have NOT opened or closed any TYP account or earned a bonus on XXXX in the past 24 months -- just changed XXXX type of card to another, which I was assured by Citi agents doesn't count as opening or closing.
Attached is a screen shot of the beginning of the online application dated XX/XX/XXXX, showing the XXXX points offer as well as my name, address, phone number and e-mail address. Also attached is a screen shot of the approval confirmation that I received immediately after applying, as well as a screen shot of the e-mail I received on XX/XX/XXXX, the opening date of the original XXXX card. A gentleman at Citi to whom I spoke yesterday told me to send these to Citi as " proof '' that I had applied for the card with the XXXX points offer.
I'm beyond frustrated with this " system '' that seems to arbitrarily decide whether someone is or isn't eligible for a bonus that they've been told they ARE eligible for. I never would have applied for the card if I thought I wasn't eligible -- that's why I called before applying. I was considering other cards as well, but chose the XXXX in part because of the generous bonus offer. As a longtime Citi customer, I'm very unhappy about being put through so much aggravation for something that should not be an issue : - ( And I'm not alone -- there are hundreds of others posting similar stories on social media, protesting that they've been cheated out of thousands of promised bonus points or miles by Citi.
|
| 04/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I hired XXXX XXXX XXXX to install a custom wine cellar in my home.
In his contract there is a final payment that is to be made after completion of the project. As we stand today XX/XX/XXXX this contractor has not completed the project. The refrigeration is not installed and is not even on site. His installation person, XXXX, damaged the wine cellar door by drilling the hole incorrectly. He then compounded it by trying to force the lock into the crooked hole resulting in a damaged lock.
I contacted XXXX XXXX and explained the issue and asked him if he would like to return and correct the issue or would he like me to contact the locksmith to see if he could fix the lock and correctly install the lock. He instructed me to call the locksmith. I told him that he was responsible for the repair and that if he could get some stain it will be needed to repair the door. He told me that there would be a half of a pint of stain in the cellar. I told him that there was none and I double checked with another person. He said that he would order some. I called several times to inquire and after a month I called my cabinet finisher to see if he could stain the door and hide the damage after I asked my cabinet person to try and fill the hole that was left when the installed decided to drill half of the hole from each side and the holes did not line up straight. I have not received the cabinet persons bill yet and I have only received the bill for the outside of the door. It looks funny as it is two different shades so the rest of the door will have to be stained to insure uniformity.
What I learned when I examined my statement was that XXXX XXXX fraudulently charged my credit card for the final payment upon completion which I not only did not authorize, but I told him that he could not charge the card for any amount that I did not sign off on. He did this to avoid responsibility for his peoples damage to the installation.
There are other damage issues that need to be paid for as listed below : 1. XXXX inspected and monitored the installation of the cellar himself including the placement of the foam insulation which ws placed after the conduit was run for the electrical light switches and the thermostat. When his installers showed up they installed right over the switchboxes which meant that the walls had to be opened and the thermostat and light switches ahd to be moved to a new location. This included costs for the electrician, the drywall people and the painter as well as the cabinet maker having to modify the cabinetry to accept the thermostat and the light switches. The electrician and the drywall change costs were {$450.00} per my contractor XXXX.
2. The cabinet costs associated with this will not be clear until cabinet person gives me his final bill.
3. The locksmith charged me {$150.00} to un-bend the lock and straighten he home on XX/XX/XXXX, which is the day that I called XXXX and told him the charge and he them with out my knowledge or authorization charged my credit card for the {$1800.00}.
4. The Cabinet finishing person finished the door outside but not inside the jamb or on the inside of the door and it looks funny so the entire door needs to match. The first part of the cost was, {$450.00} and the rest of the door will cost an additional {$350.00} and will be completed next week.
I am trying to be reasonable. I am not responsible for the damage that his contractor created. I offered XXXX XXXX XXXX the opportunity to return and fix the issue or offered to have it done. They have not responded to me since they charged my credit card which is totally not acceptable.
This vendor acknowledges that he was aware of the damage. He acknowledges that I would not give him authorization to use my credit card for the entire payment of this project by altering his bills to write the amount that was acceptable for the work performed at various agreed upon points. When there was a problem he used the number from a previouis charge without my knowledge or authorization. He never attempted to remedy any of the issues that he was responsible for.
He does not have the right to take my credit card and charge it without my authorization or knowledge. This is fraud.
Respectfully, XXXX XXXX
|
| 12/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXXXXXX XXXX : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD, XXXX RE : Account Number : XXXX XXXX XXXX XXXX Current Credit Card Balance : {$20000.00} To Whomsoever It May Concern : I believe your statement contains a Billing Error in the amount owed : XXXX XXXX XXXX and XXXX/XXXX {$20000.00} In accordance with 12 CFR 1026.13 ( 6 ) - Billing error resolution : A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
I extended your organization the credit for account number : XXXX XXXX XXXX XXXX I hereby give your Company notice pursuant to 9-A 8-103.1-A ( b ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of Credit and the evidence of the indebtedness was just a merely computer-generated agreement.
According to 9-A 8-103.1-A ( b ) " Adequate notice '' as used in section 8-302 means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. That notice may be given to a cardholder by printing the notice on any credit card, on each periodic statement of account issued to the cardholder or by any other means reasonably ensuring the receipt by the cardholder.
Since the adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 9-A 8-103.1-A ( b ).
Further, pursuant to 15 U.S. Code 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.
From your end, I have not benefited from this transaction which is again a violation of 12 CFR 226.12 ( b ).
According to 12 CFR 226.12 ( b ), The term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
I was deceived by the deceptive form you created which is a violation of 12 CFR 1006.30 ( e ).
According to 12 CFR 1006.30 ( e ), Furnishing certain deceptive forms. A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumers creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor.
To remedy this matter, I hereby request the following resolution ; I. Refund extended credit amount in full.
II. Change the mention-above account status to Do Not Pay/Do Not Collect III. Full compensation me for the above-mention Consumer Violations IV. Fully compensate me for much mental as well as financial distress.
I am open to communicating with you for this purpose. To make sure that I am not put at any disadvantage, in the meantime please treat this alleged debt as being in dispute and under discussion between us.
If you accept my request, I will not escalate this matter to Federal Court. All collection activity must cease and desist. Also, during this Billing Error investigation period, if any action is taken which could be considered detrimental to any of my credit-reporting repositories, this includes but is not limited to any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this Billing Error Resolution Notice within 30 days from the date of your receipt, I will assume that you knowingly and willfully committed Racketeering/Extortion and Fraud against me ; therefore I will immediately open a complaint with the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). I will also seek legal counsel for a remedy to these consumer violations.
Thank you for your cooperation.
Sincerely, XXXX XXXX XXXX
|
| 08/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XX/XX/2021 Re : card ending in XXXX ( closed due to fraudulent charges ) Dear Consumer Financial Protection : I am writing in regard to two fraudulent charges that were made using my credit card number with Citibank, which I have since closed. I had a new credit card number assigned to me. The fraudulent charges remain on my new account. Today XX/XX/2021, I received a letter from Citibank stating that they were not going to issue me a credit and that I would be responsible for the charged amounts. I have an email from XXXX which confirms the charges were fraudulent and XXXX was willing to issue a credit but could only do so if the credit card company contacted XXXX directly.
The fraudster used my credit card number to make XXXX purchases on line. The purchases were mailed to my house which prompted me to look at my credit card statements.
I called XXXX and they confirmed through the tracking number on the packages that the fraudster used another email account but used my credit card number. The XXXX representative said to keep the items as it was not my fault. She also said to have Citibank call them and provide XXXX with a complaint form.
When I called Citibank to report the fraudulent charges they were at first credited but then someone at Citibank transferred the charges to be investigated in the Security Department. This is when one of the credits was removed and was never reapplied. The charge that remains on my account is for {$430.00}.
The {$42.00} has a temporary credit for {$42.00} but I do not know if it will be affected by the recent letter that Citibank sent me stating I am responsible for all charges. Please note that the {$430.00} charge has been accumulating interest since XX/XX/XXXX when the temporary credit was reversed ( taken off ). I do have a copy of that specific credit card statement showing the charges and temporary credit.
The {$42.00} fraudulent charge was applied to my account on XX/XX/XXXX.
The {$430.00} fraudulent charge was applied to my account on XX/XX/XXXX.
The credit was applied on XX/XX/XXXX and reversed the same day XX/XX/XXXX.
The {$430.00} charge remains on my current statement.
Please note that I have communicated with XXXX and they can only give me a credit if Citibank sends them a complaint form and contacts them directly. Citibank told me that they did reach out to XXXX but XXXX says Citibank has not.
I have copies of XXXX emails stating I may keep the items and that they are willing to credit my Citibank account. This is a Sears credit card but the statements come from Citibank.
The XXXX representative who investigated the fraudulent charges was XXXX XXXX on XX/XX/2021.
I contacted Citibank every Monday during XXXX and XXXX and spoke to different agents each time. XXXX a supervisor instructed me to send the packages back but XXXX told me I did not have to, in order to get the credit. The case number Citibank gave me is XXXX.
I mailed copies of XXXX email to Citibanks headquarter office in XXXX XXXX, South Dakota stating XXXX had determined the charges were fraudulent and that I did not have to send the packages back. XXXX was willing to issue me a credit but required a complaint form from Citibank.
I spoke to XXXX at Citibank and she told me I needed to talk to Dispute Department and have them send the claim to Security Department to investigate it there. XXXX in disputes placed a claim on both charges.
I learned that Disputes handles complaints when the consumer receives the merchandise. Security handles complaints when the consumer does not receive the merchandise. My complaint was transferred between departments because no one knew how to handle a fraudulent charge when the consumer receives merchandise but the consumer does not order the items.
I am requesting the Attorney Generals Office to investigate credit card companies compliance with investigating consumer fraud complaints and if Citibank, specifically, has made an effort to communicate with a representative at XXXX to get my credit of {$42.00} and {$430.00} totaling {$480.00}. It appears to me there is a training or procedure failure that has resulted in the delay and determination to not credit my account.
Sincerely, XXXX XXXX XXXX XXXX
|
| 11/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I previously submitted a complaint to CFPB ( complaint no. XXXX ) wherein It was explained XXXX XXXX was reporting inconsistencies to my XXXX, XXXX XXXX and XXXX reports. The inconsistent information was specified in the complaint however XXXX replied the account was being reported accurately and information was provided that had nothing to do with the inconsistencies at hand. This very complaint has also been reported to the credit agencies several times and XXXX XXXX has replied, the information is being reported accurately.
I had an opportunity to speak with XXXX XXXX - XXXX XXXX President Office on XX/XX/XXXX at which time Ms. XXXX explained to me that when the complaints are received the information in essence is not looked at in detail. After an in-depth conversation with Ms. XXXX, she requested that I provide her with copies from the three credit bureaus. Upon receipt of current credit reports from the credit agencies I submitted the reports as it pertains to XXXX XXXX to Ms. XXXX electronically on XX/XX/XXXX outlining the inconsistencies as I did in the former complaint made to the CFPB ( XXXX ).
On XX/XX/XXXX I received an email from Ms. XXXX indicating that she had information back from their Consumer Credit Service Department and that she would be giving me a call the same day. Later that day I received a call from Ms. XXXX indicating, they have reviewed the credit reports against the information that they have. Ms. XXXX advised that they don't know what happened and couldn't explain why my credit reports were different than the information XXXX XXXX had. She went on to advise that they would be updating my credit files so that their tradeline is removed from my credit files XX/XX/XXXX ( due to the inconsistencies XXXX showed the account to be deleted XX/XX/XXXX, XXXX XXXX shows the account to be deleted XXXX XXXX and XXXX XX/XX/XXXX XXXX. Because of the changes XXXX XXXX now made, which should have been corrected in XXXX when I first disputed the accounts with the credit agencies, the account is now showing as a new derogatory account and my credit score has decreased over 30 points on each credit report because of XXXX now realizing their error after I have produced physical copies of my credit reports. No consumer should have to do this if companies would simply take the time to review the information.
I have worked hard to get my credit reports back in good standing and increase my credit score. When it a dispute is made, it is the companies responsibility to do a through investigation and XXXX XXXX did not do that until I provided credit reports of which I should not have had to do since the information is " reported '' by XXXX XXXX.
XXXX XXXX provided false information in reply to my prior complaints because of their lack to do a thorough investigation.
My credit reports should not reflect a new derogatory account because of their lack and I am requesting that XXXX XXXX removes their tradelines from all of my credit reports prior to XX/XX/XXXX.
During my conversation with Ms. XXXX I requested that they put their response in writing indicating that they made a mistake and confirming our conversation that their tradeline would be removed from my credit files XX/XX/XXXX. Ms. XXXX advised that she would follow up with their consumer department to see if they could do that. My question to Ms. XXXX, what do you mean, you work for the presidents office On XX/XX/XXXX I also followed up in writing via email indicating that since XXXX XXXX has now realized they made an error, notified her that my credit score decreased because of their recent changes and to follow up on the requested letter, I have yet to hear back from Ms. XXXX.
Bottom line is XXXX XXXX provided inaccurate responses to my my prior disputes about the inaccuracies and as a result they now have updated my credit files which have significantly been impacted because of their recent updates in an effort to correct their mistakes that should have been properly investigated when the prior complaints were received. This certainly is not Fair Credit Reporting.
I was informed that the conversation with Ms. XXXX was recording and I am questing that the CFPB request a copy of the recording.
|
| 01/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/XXXX XX/XX/XXXX CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : Account Number : XXXX XXXX XXXX XXXX Credit Card Balance : {$16000.00} To Whomsoever It May Concern : I believe your statement contains a Billing Error in the amount owed : XXXX XXXX and XXXX/XXXX {$16000.00} In accordance with XXXX XXXX XXXX ( XXXX ) - Billing error resolution : A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
I extended your organization the credit for account number : XXXX XXXX XXXX XXXX I hereby give your Company notice pursuant to 9-A 8-103.1-A ( b ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of Credit and the evidence of the indebtedness was just a merely computer-generated agreement.
According to 9-A 8-103.1-A ( b ) " Adequate notice '' as used in section 8-302 means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. That notice may be given to a cardholder by printing the notice on any credit card, on each periodic statement of account issued to the cardholder or by any other means reasonably ensuring the receipt by the cardholder.
Since the adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 9-A 8-103.1-A ( b ).
Further, pursuant to 15 U.S. Code 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.
From your end, I have not benefited from this transaction which is again a violation of 12 CFR 226.12 ( b ).
According to 12 CFR 226.12 ( b ), The term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
I was deceived by the deceptive form you created which is a violation of 12 CFR 1006.30 ( e ).
According to 12 CFR 1006.30 ( e ), Furnishing certain deceptive forms. A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumers creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor.
To remedy this matter, I hereby request the following resolution ; I. Refund extended credit amount in full.
II. Change the mention-above account status to Do Not Pay/Do Not Collect III. Full compensation me for the above-mention Consumer Violations IV. Fully compensate me for much mental as well as financial distress.
I am open to communicating with you for this purpose. To make sure that I am not put at any disadvantage, in the meantime please treat this allege debt as being in dispute and under discussion between us.
If you accept my request, I will not escalate this matter to Federal Court. All collection activity must cease and desist. Also, during this Billing Error investigation period, if any action is taken which could be considered detrimental to any of my credit-reporting repositories, this includes but is not limited to any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this Billing Error Resolution Notice within 30 days from the date of your receipt, I will assume that you knowingly and willfully committed Racketeering/Extortion and Fraud against me ; therefore I will immediately open a complaint with the Consumer Financial Protection Bureau XXXX CFPB ), and the Federal Trade Commission XXXX FTC ). I will also seek legal counsel for a remedy to these consumer violations.
Thank you for your cooperation.
Sincerely, XXXX XXXX XXXX
|
| 04/26/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My complaint is against Citimortgage. I have had my mortgage with them since XXXX . Citimortgage is trying to get me to pay them more than what my monthly mortgage payment is {$650.00} They say I woe them {$2200.00}. In the 8 years that I have had my mortgage with them I have never missed a payment or paid less than I owe each month. My problem with Citimortgage started when I had to get flood insurance in XXXX . XXXX XXXX XXXX ( XXXX ) had messed up and over billed for my flood insurance and Citimortgage paid the amount. In XXXX of XXXX , when I got my mortgage statement and saw that my mortgage had gone up by {$400.00}, I called Citimortgage to find out why. They said it was my escrow and directed me to their escrow department who told me to talk to my insurance agent about it. XXXX immediately fixed the problem and sent me a check for {$1700.00} to send to Citimortgage. I promptly deposited the money into my checking account and sent Citimortgage a check for {$1700.00} they cashed in on XXXX XXXX XXXX . This should have fixed my problem and my mortgage payment should have gone back to normal. And I requested that Citimortgage send me letter stating that they had fixed everything and that my account was up to date. They did send me the letter that I requested stating that as of XXXX XXXX my account was at a zero balance and they had notified the credit bureau of the corrections. When I called Citimortgage in XXXX XXXX to make sure my payment was back to normal the automated system informed me that I owed {$910.00} for XXXX 's payment. When I talked to the customer service department the girl told me that since they were auditing everyone 's accounts for the end of the year that my payment was locked in at {$910.00} ( 50 % more than I normally pay ) and that I had to pay this amount for XXXX and XXXX but my payment in XXXX would only be {$590.00} I explained that I could n't pay 50 % more on my mortgage and the girl said she would fix it. I had the same problem the next month and in XXXX XXXX Citimortgage said the problem was fixed and sent me another letter like the last one stating that I had a zero balance on my account as of XXXX . I had contacted an attorney in XXXX XXXX because I did n't know what to about all of this. I let him know I had received the second letter from them and hoped everything was worked out. XXXX 's mortgage statement comes and it still says I owe {$1600.00} My mortgage payment should have been {$670.00}. So I called the attorney and he sent Citimortgage a request for a QWR. And requested that all correspondence be sent to his office. He sent the request in XXXX XXXX . After we received the QWR the attorney said he had a forensic account look over it and that I did n't owe them any extra money. And so it 's gone on like this ever since. My mortgage bill keeps going up, I ca n't get a hold of the attorney who was supposed to be helping me with all of this. I 've talked to Citimortgage several times and each time they say something different. Sometimes they say the made an error and to call back in 3 days and the problem will be fixed and other times it 's my fault and I need to pay up. There are not any Citimortgage offices anywhere in the state of Kentucky or the surrounding states to be able to talk to someone face to face. They say they will send someone to my house but that person is n't an employee of Citimortgage they work for a financial counseling service and ca n't help me with this problem. When you call Citimortgage you can never talk to the same person twice. They say they do n't have extensions and ca n't transfer calls. So no one you talk to is ever held accountable for what they say to you over the phone. I have n't heard from the attorney I originally contacted since XXXX XXXX XXXX and I 've tried several times because I want this matter resolved. I need assistance in getting this matter resolved as soon as possible, my monthly payment to be corrected and my credit rating fixed. Thank you for your time and consideration in this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX
|
| 03/30/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am seeking a charge dispute approval in the amount of {$210.00} back to my card for an item that I successfully returned to Best Buys warehouse on XX/XX/2019. I have made more than a good faith effort to resolve this issue with both Best Buy and XXXX, but have not received any assistance or satisfaction.
I placed my order on XX/XX/2019 and the item was delivered to my residence on XX/XX/2019. I no longer needed the item, because it was a gift for someone that I ended up purchasing in-store on XX/XX/2019, after being told that my original order would be cancelled.
Once I received the item, I contacted Best Buy to get a return slip in order to ship the item back to the warehouse for a refund. Using the XXXX shipping slip provided to me by a Best Buy agent, I first checked that the item was securely packaged and then shipped the item back at my local XXXX store on XX/XX/2019. The item arrived at the warehouse in XXXX, KY on XX/XX/2019. I then called Best Buy support on XX/XX/2019 and was told that Id receive a refund back to my card within 30 days, or the next billing cycle.
When I saw that the refund had still not posted on XX/XX/XXXX, I called Best Buy again and was told that the box had arrived empty. After discussion with the agent, they agreed that XXXX or the warehouse had lost the item and I would be refunded within the next billing cycle. Again, after not receiving the refund, I called back on XX/XX/XXXX and was told that they could not process a refund until I filed a damage claim with XXXX. So, I filed a damage claim that day, as seen in the XXXX tracking details.
What ensued after I followed these instructions was phone tag and non-acceptance of responsibility. Best Buy told me to call XXXX, XXXX told me to call Best Buy, and so on and so forth. I spent more than 30 hours in the course of three months in customer support, from Best Buy and XXXX ( phone, chat, forum, email ). Best Buy gave me the same response each time that " since the box arrived empty, we can not process a refund. '' XXXX gave me the same dead-end response that " because Best Buy purchased the return label, they must contact us to resolve this. '' Best Buy ever contacted XXXX or followed up with me regarding this case - a complete stalwart. Finally, after finding that neither side would provide assistance, I filed a complaint with the XXXX XXXX XXXX. Best Buy responded to that complaint that they could not process a refund for a lost item.
Next, I filed a consumer fraud complaint with the California Attorney General, which received the same response. The simple solution here would have been for Best Buy to provide me a refund for the item I clearly returned, and then communicate with XXXX regarding the damage claim in order to recoup any lost funds on their end. XXXX is Best Buys preferred provider, and since XXXX would not allow me to discuss the damage claim ( as technically I was not the shipper - Best Buy was ), I had no means to receive any assistance or guidance.
My last attempt to resolve this issue was to dispute the charge on the card, as I had been promised by Best Buy twice that I would receive a refund and did not - and I had also made more than a good faith effort to resolve this case with Best Buy and XXXX. After submitting 30 pages of documentation to Best Buy CITI Card, I was told that they had closed the investigation, after being informed by Best Buy that " they could not process a refund since the item returned empty. '' What was the point of submitting documentation if a real investigation would not be done? To me, it seems like Citi is not conducting objective investigations, but instead acting on behalf of Best Buy to deny chargebacks.
I hope that Best Buy can see my utter frustration and disappointment in the behavior of their company, a company of which I have been a loyal customer for over 10 years. This issue has cost me an incredible amount of time and money, having to take hours and hours out of my workday in order to discuss and argue my position, for something that should have been resolved with one single call, as it is done with beloved companies like XXXX. This was a simple return that was lost by XXXX - how can Best Buy not resolve this?
|
| 11/16/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
I opened a savings account online XX/XX/XXXX. Attempted to fund account with {$20000.00} at that time via ACH transfer from my checking account at XXXX Bank ( XXXX XXXX CO ). Called Citibank XX/XX/XXXX to see if transfer completed and whether my wife was listed as joint owner. Was told by Citibank representative my wife was not added to account and funds transfer did not go through. Checked with XXXX Bank on XX/XX/XXXX and was told the {$20000.00} would be transferred via XXXX on XX/XX/XXXX. Tried to put stop payment on transfer but was told by XXXX Bank it was not enough notice to do so. Immediately called Citibank and was told account was still open and would be funded and my wife could be added to account. Initiated three way call with Citibank rep and my wife to obtain information to add her to account. On XX/XX/XXXX I checked status of Citibank account online and surprised to see account had been closed by Citibank. Notified Citibank account closed and asked why. They informed me I had requested it be closed. This was not true. On XX/XX/XXXX our XXXX Bank account was XXXX XXXX to Citibank for {$20000.00} and since then I have contacted Citibank numerous times to request my funds be returned. I have talked to numerous individuals and supervisors and have been told numerous conflicting stories about if they have our funds, where the funds are located, and how to get the funds returned. We were first told since the account was closed, the money wouldn't even transfer, then they said they would have to hold it for 15 days, then it was 5 days, then they said it was sent to a branch - and there are no Citibank branches in Colorado. The majority of these individuals spoke very poor English and were poor communicators, and I was transferred over and over, sometimes even disconnected. I asked several times for instructions on what I needed to do to get my funds refunded. I was told that information would be emailed, but it never was. I can only call an XXXX number, and no one will give me a direct number to contact someone who can resolve this. I have only received one call from someone at Citibank to discuss this. I would estimate I've spent well over 30 hrs. on the phone trying to resolve this issue. On XXXX I received a voice mail from XXXX ( account supervisor Citibank ) that we needed to send a written request for return of the funds to a retail services operation in XXXX XXXX, TX. Written request was mailed via certified mail on XX/XX/XXXX to : Citibank, XXXX XXXX XXXX, RSO/BCS Mailroom, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX ( We have received the certified green card back but XXXX failed to complete the date delivered or person receiving the letter. ) It was also sent via XXXX on XX/XX/XXXX and was received by Citibank on XX/XX/XXXX. On XX/XX/XXXX I contacted Citibank again via phone and spent almost 2 hours on the phone and was transferred 5 times. I finally spoke to an " retail unit account supervisor '' named XXXX and was told that they had not received my letter yet and were still waiting on the " back office '' to authorize release of the funds. Once approved, the funds will be mailed to me via XXXX XXXX XXXX. I have been told so many different stories, I don't know what to believe and have no faith the funds will actually be returned. It appears to me they are using my money to earn interest for Citibank while I am deprived of being able to invest it and earn interest as I had originally intended. They should return my funds, plus interest I would have earned, plus costs I have incurred to send certified mail and XXXX correspondence.
The savings account I attempted to open with Citibank is now closed and I have still not received my funds back! When will I receive them? Despite the fact Citibank says the account is closed, I have since received an ATM card and PIN numbers and other documents in the mail for the savings account. Citibank continues to verbally tell me the account is closed.
I have had a credit card with Citibank for over 30 years and to say I'm extremely disappointed with the way I have been treated is an understatement. This has been extremely stressful on me and my family. The loss of {$20000.00} is a substantial thing for us.
|
| 01/22/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
Older American |
|
On XX/XX/2024, I received notification that my Citi XXXX, Citi XXXX, and other Citibank credit cards that I had for XXXX years credit limit was decreased due to an XXXX report. In reviewing my XXXX report, these three credit cards were the only ones with higher spending limits that overpaid every month for the last three years. I have been a loyal customer and have never been late on any payments in 3 years. With Citibank lowering my credit limit, my debt ratio went from 29 % to 41 % lower my credit score by XXXX points. This is unacceptable and as XXXX XXXX and speaking to other XXXX would have recently dealing with the same issues we feel targeted and suspect credit discrimination. Per credit protection law, During the application process or when making a credit decision, a creditor must not give you different terms or conditions, like a higher interest rate or higher fees ( based on any of these factors ) must not discourage you from applying or reject your application for a loan ( based on these specific factors : your race, color, religion, national origin, sex, marital status, age and whether your income comes from public assistance or whether youve acted on your rights under the federal credit laws ) must not consider the racial composition of the neighborhood where you want to buy, refinance, or improve a house with money youre borrowing must not consider your religion must not consider your race or sex, including sexual orientation and gender identity But a creditor may ask you to voluntarily disclose this information because it helps federal agencies enforce anti-discrimination laws. must not consider your national origin But a creditor may consider your immigration status and whether you have the right to stay in the country long enough to repay the debt. must not consider your age unless Youre too young to sign contracts, which generally means under XXXX. Youre at least XXXX, and the creditor will favor you because of your age. Your age is used to determine the meaning of other factors important to creditworthiness. For example, a creditor could use your age to determine if your income might drop because youre about to retire. Your age is used in a valid credit scoring system that favors applicants XXXX and older. A credit scoring system assigns points to answers you give on credit applications. For example, your length of employment might be scored differently depending on your age. must not consider whether you have a telephone account in your name But a creditor can consider whether you have a phone at your residence. may not ask about your marital status if youre applying for a separate, unsecured account, and you dont live in a community property state But if the application is for something other than a separate unsecured account, a creditor can ask about marital status using the terms married, unmarried, or separated ( not widowed or divorced ). may not ask for information about your spouse, unless Your spouse is applying for credit with you. Your spouse will be allowed to use the account. Youre relying on your spouses income or on alimony or child support income from a former spouse. You live in a community property state. may not ask about your plans for having or raising children may not ask if you get alimony, child support, or separate maintenance payments Unless they tell you first that you dont have to provide this information if you arent relying on these payments to get credit. But a creditor may ask if you have to pay alimony, child support, or separate maintenance payments. When evaluating your income, a creditor may not refuse to consider reliable public assistance income the same way as other income may not discount income because of your sex or marital status. For example A creditor can not count a mans salary at 100 percent and a womans at 75 percent. A creditor can not assume a younger woman will stop working to raise children. may not discount or refuse to consider some income because it comes from part-time employment, Social Security , pensions, or annuities may not refuse to consider reliable alimony, child support, or separate maintenance payments But a creditor may ask you for proof that you get this income consistently.
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| 10/18/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I have a complaint against Citibank. I called Citibank on XX/XX/XXXX and talked to XXXX. I told her that I would be going to XXXX for a few days. I asked her to please note my account. I returned to Maryland on XX/XX/XXXX. On XX/XX/XXXX I received mail from Citibank warning me of a fraud alert. It was at this time that I looked at my account. There was two withdrawals from XXXX XXXX in XXXX. One amount was {$810.00} another for {$440.00}. I called the bank and asked about the amount taken out. I talked to XXXX. I told her the amount was suppose to be {$1000.00} not {$1200.00}. She stated that I need to start an investigation for fraud. I told her that I would call the XXXX XXXX XXXX to see what happened with this overpayment before agreeing to a fraud investigation. XXXX gave me a reference number and a fax number and told me that they needed a detailed reason for a complaint, with the date and and my account number on it. They needed the letter before XX/XX/2019. I called XXXX XXXX XXXX I was told by XXXX to give them a few days and they will make the needed adjustments. I called Citibank and told them what XXXX XXXX stated. I received another letter from Citibank asking about a fraud alert. This time I checked my account and the whole page that showed the {$440.00} and other adjustments had been made on the online account. I asked them why did they change the statement. I was told that they had the right to make any adjustments that they need. They again said that I need to start an alert. I told them there was no need for an alert The Hotel was paid and and I received my refund which according to the XXXX exchange rate at that time amounted to {$620.00} the account has been paid no need for an alert. According to the online statement I received Citibank was paid XX/XX/2019 and I saw a credit for {$620.00}. I didn't look to see why because XXXX XXXX Representative had told me that was the amount I would have returned. At this time I had {$1300.00} in the bank which would have been enough to pay XXXX even at the USA rate.
On Saturday XXXX XXXX I receive another letter from Citibank. I called them and they told me that if I don't give them information by XXXX, XXXX they will be a deduction {$620.00} from my account. I told them they should not take anything from my account. I was told that the Hotel still had not been paid. I asked her if the Hotel had not been paid in all this time don't she think that they would have called me. She paused for a moment and then stated they will be withdrawing the money. I called XXXX XXXX, they confirmed that they were paid but stated they could not give information over the phone. On XX/XX/XXXX I went to Citibank at XXXX XXXX XXXX, MD XXXX and talked to XXXX XXXX and a lady that he said was his manager. Both of them reviewed my account. On my online account it showed the amount of {$620.00} as a transfer. On one of the statements he printed it showed a refund for XXXX XXXX. Both XXXX and His manager told me that I am not responsible for the account. They requested that I call back On XXXX XXXX, and the account will be corrected. I would not have the pay the {$620.00} back. Both of them told me that. I should not worry about it.
This morning XXXX call me and told me that they had deducted all the money that was left in my account leaving me a negative balance of {$490.00}. He told me I have to pay that amount because the {$440.00} was for a security deposit. I asked why didn't someone explain it to me. All I know is that amount was no longer showing on my online statement. No credits or debits for that amount. He said that he will send his coworker a statement about not discussing it with me.I can come in to discuss it again. When I looked on my online account it was showing a negative balance of {$490.00}. If XXXX and his manager couldn't look at the account and figure out what was going on with it after comparing it to about three different formats of the bill, how was I suppose to be able to figure it out? And for the thirty or more years that I have banked with Citibank, I have had overdraft protection. Why didn't the over payment go there. It is not even showing on the online account that I have overdraft protection.
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| 11/10/2023 |
Yes |
- Credit card
- Store credit card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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Opened a Home Depot credit card account XX/XX/XXXX with a {$1000.00} limit. Credit limit was decreased to {$500.00} in a letter dated XX/XX/XXXX. The 4 reasons stated for decreasing my limit in the letter were : Length of time credit history has been established, number of revolving accounts with high usage, payment pattern on your account with us, and number of recent credit inquiries. The letter stated the decision was made in whole or in part on information obtained in a credit report from XXXX. I contacted XXXX XXXX XXXX and spoke with a credit specialist at XXXX on XX/XX/XXXX to ask for further explanation on the decrease and to state my payments on this account have always been made on time so that reason doesn't seem justified, and to confirm they are not reporting my payments incorrectly to any credit bureaus. I also explained that I have used more of my credit in the past few months because I moved XXXX of my older XXXX and her baby, my XXXX in with me as she left a XXXX XXXX and another one of my older XXXX got married in XXXX, so my spending has been slightly different on my other credit cards due to those 2 factors, but that doesn't mean I'm not paying the cards, and I didn't use the Home Depot card but for a few small items. She advised they do review accounts on occasion and have the right to decrease or increase credit limits. She advised I should contact the credit reporting agency to confirm everything is accurate on my credit report as there is nothing they can do to change anything and transferred me to customer service to talk about my payments as they can't answer anything about that, they also can't see the letter that was mailed to me. The customer service rep. walked me through the dates and amounts of my payments and I asked so then everything has been paid on time, correct? And the representative said yes, so I asked if they could explain why that my payments on the account are stated as a reason for decreasing my credit limit. The representative advised they can just tell me the information on my payments, I would have to speak to a specialist to discuss anything related to credit limit, so I asked if that is who transferred me to them and it was, so they transferred me to another specialist. The second specialist I spoke with advised the same exact information as the first as if it is being read from a book, I need to check my credit report to ensure everything is accurate. XX/XX/XXXX, I pulled my free credit report from XXXX and all of my payment histories appear accurate and on-time. My length of credit history is reported as XXXX years and my average account age is XXXX years, XXXX months, so it would seem I have credit established for a long time which doesn't add up with the reason quoted in the letter. When checking the amount of credit inquires reported, there are 2 in XXXX, one of which is for the Home Depot card in XXXX and the other is CBNA in XXXX which I believe is Citibank who offers the Home Depot card and I didn't offer the inquiry, maybe they did that when " reviewing '' my account? And there were XXXX in the year XXXX which were XXXX XXXX which is a new account and the other is from a Bank of which I opened a new account because my previous bank moved locations and it was inconvenient for me. So I don't think those would count as a high number of inquiries which is another reason that was quoted. I explained my reason to them for the difference in credit card amounts at the time, but I feel like that explanation should be considered as a good explanation, but maybe not. I feel like XXXX of the reasons quoted are definitely not valid, XXXXne reason may be somewhat valid, but I did offer explanation for that, and I know they don't have to accept the explanation. It seems like unfair practice to me to decrease a credit limit after having only opened the account in XXXX and most of their reasons are invalid. And I feel like it's difficult to get any straight answers, you're just transferred between different people at the company and each time your transferred they note they will put you on a brief XXXX minute hold to transfer, that seems like a tactic to get someone to hang up because they don't want to wait.
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| 12/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX RE : Account Number : XXXX XXXX XXXX XXXX Credit Card Balance : {$16000.00} To Whomsoever It May Concern : I believe your statement contains a Billing Error in the amount owed : XXXX XXXX XXXX XXXX {$16000.00} In accordance with 12 CFR 1026.13 ( 6 ) - Billing error resolution : A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
I extended your organization the credit for account number : XXXX XXXX XXXX XXXX I hereby give your Company notice pursuant to 9-A 8-103.1-A ( b ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of Credit and the evidence of the indebtedness was just a merely computer-generated agreement.
According to 9-A 8-103.1-A ( b ) " Adequate notice '' as used in section 8-302 means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. That notice may be given to a cardholder by printing the notice on any credit card, on each periodic statement of account issued to the cardholder or by any other means reasonably ensuring the receipt by the cardholder.
Since the adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 9-A 8-103.1-A ( b ).
Further, pursuant to 15 U.S. Code 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.
From your end, I have not benefited from this transaction which is again a violation of 12 CFR 226.12 ( b ).
According to 12 CFR 226.12 ( b ), The term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
I was deceived by the deceptive form you created which is a violation of 12 CFR 1006.30 ( e ).
According to 12 CFR 1006.30 ( e ), Furnishing certain deceptive forms. A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumers creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor.
To remedy this matter, I hereby request the following resolution ; I. Refund extended credit amount in full.
II. Change the mention-above account status to Do Not Pay/Do Not Collect III. Full compensation me for the above-mention Consumer Violations IV. Fully compensate me for much mental as well as financial distress.
I am open to communicating with you for this purpose. To make sure that I am not put at any disadvantage, in the meantime please treat this alleged debt as being in dispute and under discussion between us.
If you accept my request, I will not escalate this matter to Federal Court. All collection activity must cease and desist. Also, during this Billing Error investigation period, if any action is taken which could be considered detrimental to any of my credit-reporting repositories, this includes but is not limited to any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this Billing Error Resolution Notice within 30 days from the date of your receipt, I will assume that you knowingly and willfully committed Racketeering/Extortion and Fraud against me ; therefore I will immediately open a complaint with the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). I will also seek legal counsel for a remedy to these consumer violations.
Thank you for your cooperation.
Sincerely, XXXX XXXX XXXX
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| 04/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American |
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My dispute is with Citicards and concerns fraudulent charges on my credit card for a total amount of {$1100.00}.
I became aware of the fraud when I saw a charge for {$840.00} for " landscaping services '' recorded on XX/XX/XXXX. I did not recognize the merchant, " XXXX XXXX XXXX XXXX XXXX '', supposedly located in XXXX XXXX XXXX XXXX , XXXX , a town where I live part of the year. After reviewing previous credit card bills I realized that the same merchant had made three other charges for smaller amounts : {$160.00} on XX/XX/XXXX ; {$61.00}, also on XX/XX/XXXX ; and {$83.00} on XX/XX/XXXX.
I filed my dispute with Citicards on XX/XX/XXXX for the {$840.00} transaction. The Citicard dispute resolution agent with whom I spoke recommended beginning with the largest charge and then filing subsequently for the other amounts if the first case was proven to be fraudulent. The case was assigned the number XXXX.
On XX/XX/XXXX I received notification that the review of the case was complete and that the charge was deemed valid. I followed up with several phone calls to the Citicards fraud investigation department and was told that the transaction had been made with the embedded chip and that I therefore must have been physically present at the time of the charge. They could not provide me with any information about the merchant in question, i.e., physical address, phone number, bank information.
After bringing my Citigold account manager onto a call with the fraud department I was able to get Citicards to provide me with a phone number for the merchant, which happened to be a U.S. number [ XXXX XXXX XXXX XXXX ]. I called that number and reached a company with a similar name [ XXXX XXXX XXXX ] based in [ XXXX, ] Indiana. However, the firm 's accountant had no record of the transactions and said that they had no business presence in XXXX, or even outside of Indiana.
With that information in hand I once again contacted Citicards fraud department and finally reached someone at the supervisory level. After I described my case and provided the information about the purported merchant, the supervisor denied that Citicards had any information at all about the merchant, notwithstanding the fact that they had previously provided me with a phone number. She said that the charges were made in XXXX and that I " should go to the merchant '' and inquire with them. I could not do so, I explained, because there was no such merchant in XXXX XXXX XXXX XXXX.
The supervisor was unable to suggest any other source of information about the recipient of the charge payments and left me with the unsatisfactory answer that Citicards did not have any more details about the transactions than what appeared in my credit card statement.
Having gone through exhaustive " Know Your Client '' ( KYC ) procedures with Citibank ( where I have had an account for thirty years ), I find it difficult to believe that Citicards has no knowledge or record of the recipient of the funds that were transferred as a result of the four transactions, especially since, as Citicards avers, the merchant in question is in XXXX, a country where Citibank has had serious money laundering issues in the past. I asked if it was possible to obtain bank information for the recipient and the response was negative. Thus, I have no way of determining who charged me for more than {$1100.00}.
I do not know much about credit card transaction procedures, but it seems to me that it might be possible that someone could have fraudulently opened a merchant credit card account using a fictitious name, phone number and address, perhaps " borrowed '' from a legitimate business located somewhere else. They could perhaps have scanned my card while it as in their possession, possibly at a restaurant. That scenario, however, did not register with the fraud investigation department 's supervisor.
Citicards seemed eager to brush the problem aside and shockingly indifferent to what was clearly a case of fraud. The fact that I am a longstanding client of Citibank and Citicards with no previous claims made no difference to them whatsover. Silly me, I thought that they insured themselves and their clients against such cases. Caveat emptor!
|
| 12/22/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I made online purchase of two items in the amount of {$620.00} from Macy 's, with same day delivery. The amount was charged to my Macy 's credit card. One of the items was not delivered ( {$150.00} ). I contacted Macy 's same day, initially I was told item will be reshipped and I will receive it in 2 days. This did not happen. I also did not receive an email confirmation of the communication I had, nor shipment information which I was told I am to receive in 24-48 hours. I contacted the store again after not receiving the communications I was told I will receive via email, or the item, and requested refund at this point, I did not believe I will ever receive the item. In fact this continued to occurred. Each time I was asked to explain what happened as I have never contacted them before. Each time I was told I will be receiving an email in 24-48 hours and refund is processed within 3-5 business days after that. I never receive any communication, call or emails to inform me of how this is being handled. On XX/XX/XXXX, since my statement on my credit card did include the charge, and at this point I was concerned that this have not been handled appropriately on the store side, I contacted the actual credit card services. I explained the situation and I requested they process this on their end since I have a charge on the credit line, for an item I never received. In my understanding, the representative processed my dispute, told me I will receive an email confirmation and once again once this is processed I will receive credit to my account in 3-5 days.
Today, XX/XX/2023, I called to follow up with the credit card services since once again no communication was received on my end. I asked to speak with a supervisor since the representative told me I do not have existing disputes on my account! A supervisor came on the phone, asked some information and told me to hold while she reaches to online department. I was then all of a sudden transferred to the store department ( the one I tried to resolve with initially ) without notification. Again I had to explain my issue, and I was told that there were multiple claims on my account ( which I was not aware of since I have not received no communication on this to notify of such being created ) and that they have been denied. I asked what is the reason for that and why I am not aware. I was told because of multiple claims. No respond was provided on why I was not made aware of this decision. I was told that the representative can open a new case and request secondary store review. I asked about the charge on my credit card, and was transferred back to the credit card services upon my request. I requested a dispute to be initiated for the finance charge on my credit card account since this amount is included in my statement balance ( including relevant interest ), and I do not believe that the store is processing this appropriately. The representative tried telling me the store needs to research this. I argued I have the right to dispute this amount and have provisional credit to my account while investigation take place. I was told this is to take " long time ''. I insisted on opening dispute ( Case ID XXXX was provided as I verbally requested on the call ). I was then told this will take 60 days, and when I asked if the amount is to be removed from my statement balance while investigation takes place, I was told NO, and that this will happen after the investigation, if I guess investigation rules in my favor.
This have been very unpleasant experience. Complete lack of communication, and definitely not good customer service. At no point I was made aware ( while calling ) or received communication ( via email as told ) of multiple cases being created, or that I have one already- so that I could have not created more ; or of the case decisions made. No provisional credit is to be provided on my account, according to the credit card services, and at this point I am questioning the validity and appropriateness of the case investigation that is/ have been taking place. My cases on the store side that I found out exited today were denied because of having multiple cases?! What kind of investigation is this!
|
| 08/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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|
Web |
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Hello. I am reaching out to share with you this ongoing issue that I have been experiencing with CitiBank over the past 2 months. On XX/XX/2022, I received an email from Citibank ( XXXX ) stating that " Your Citi account ( s ) will automatically close within 60 days '' and " We found that you have violated the terms of your account per the client manual. ". I have attached pictures of the email below. This came as a surprise as I was not using this account for any illegal or malicious purposes. I used this banking account to make purchases ( food, clothing, etc ), as well as to receive incoming deposits from XXXX, a well known and reputable online marketplace and clothing reseller. Between that time and now, I have called CitiBank 10+ times, constantly getting transferred, being told that there is no specific information they can give me, and that I will receive my funds within 30-60 days. I was also told numerous times that the reason it looks my account has been marked for closure is because of suspected fraud. With that being said, I must say that It is rather remarkable that a large corporation such as CitiBank with hold nearly {$10000.00} of someones money simply because they suspect fraud, as if it would not be very easy to simply have the client verify the transactions that are in question. That same day, XX/XX/XXXX, i called the banks general number, and was transferred over to the fraud department who said that they could not provide any info and they I would need to simply wait it out. I visited a local branch in XXXX XXXX, NY, that same day and was told that I would need to once again call the fraud department because they are the only ones who can help with that concern. For the next 2 months, I repeatedly called trying to get more information to no avail. The 60 day period ended yesterday, XX/XX/2022, and I am yet to have received any further correspondence, email, letter in the mail, or check. I called once again today, XX/XX/2022, and spoke to someone in the fraud department named XXXX. She said that my account has been closed, and the investigation ended, and that I will NOT be receiving any money that is in the account and it will instead be sent to some sub ledger with no further information. She has also said that the account possibly could have been closed because of the frequent deposits ( From XXXX XXXX, yet she did not point out any specific transactions. I then told her that all of the transactions were legitimate and I could show statements/documents showing this. From this conversation, it was clear that the funds werent being held because the transactions themself were illegal, but rather because the frequency of the deposits raised a red flag in the system. However, the frequency of a specific transaction is in no way an appropriate catalyst for these current consequences. I then went to a physical branch location located in in XXXX XXXX, NY, and spoke to a banker by the name of XXXX who called the fraud department once again with hopes to get the funds released. Only this time, we were told that the investigation is still ongoing and that I will still need to wait, a complete contradiction to what I was told earlier. As you can see, I am constantly being told a different story. The gist of this situation is that ALL the money in that account was obtained legally, with records to prove that if requested, yet, Citi has not asked for any of that info, and instead has choses to simply " close '' my account and attempt to steal my funds. At this point, I felt compelled reach out to other entities who could provide some assistance such as the CFPB. In the future, it isn't out of the realm of possibilities that I will reach out to other similar organizations or even a news agency to publicly display the cruel treatment that Citi bank has subjected one of their customers to. I have exhausted the resources CitiBank recommended I use, so now I believe it is time for further measures. I would VERY MUCH appreciate it if you could look into the case so that I can withdraw my funds. I would love it if these past few months of headaches and frustration could come to an end through the help of the CFPB. Thank you dearly for reading my message.
|
| 06/06/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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On XXXX XXXX , around XXXX XXXX XXXX PST, I contacted the Customer Service Department at Sears MasterCard a nd I spoke to a representative named XXXX XXXX pertaining to the Past Due status of m y Sears MasterCard account. I have posted a payment around XXXX XXXX prior to the XXXX XXXX balance and since that time, Sears has been harassing me with numerous calls everyday at all times of the day from XXXX . I informed this Customer Service Representative that I made the payment on XXXX XXXX to take care of the XXXX billing cycle balance. I remember making a payment of {$210.00} which is the minimum payment due on XXXX XXXX . However, I was informed by Sears MasterCard that there was something wrong with the payment that was posted on XXXX XXXX . I was able to finally scroll through the e-mail alerts that I have received from Sears MasterCard for the month of XXXX after spending time at the hospital and around XXXX XXXX , XXXX posted a Minimum Amount Due of {$480.00} as opposed to the {$210.00} amount posted for the month of XXXX . I was misinformed about this balance when it was supposed to be {$210.00} and Sears MasterCard kept calling me about t his Past Due Balance when it was originally posted as {$210.00}. I eventually spoke to XXXX XXXX at the aforementioned number on XXXX XXXX to post the Minimum Amount Due of {$210.00} to satisfy the minimum payment requirement for the month of XXXX . I told her that my previous bank accounts have been compromised and that I will be posting the payment drawn on my XXXX XXXX account ending in XXXX . I verified this with her several times and she even read the information back in addition to advising me that the account would be updated to its current status and in good standing. I confirmed this with a Customer Serv ice Rep I spoke to on XXXX XXXX , stating that my account would be kept current and in good standing with any late fees waived after the last payment that was posted on XXXX XXXX . However, when I logged back into my account on XXXX XXXX , I was surprised to find out t hat Sears MasterCard in correctly posted a Past Due status on my account prior to posting a payment in the amount of {$210.00} to satisfy the Minimum Amount Due requirement due on XXXX XXXX . I contacted the Customer Service Department and I was connected to a customer service representative, XXXX , stationed overseas and he stated that the payment I posted on XXXX XXXX with XXXX XXXX on the phone was returned due to the account being closed. I tried to dispute that payment being returned because I specifically informed XXXX XXXX I spoke to that the {$210.00} payment posted on XXXX XXXX would be drawn on my account ending in XXXX which she was able to confirm. I was then forwarded to a customer service representative in th e US a round the same date and I was able top speak to XXXX who verified that XXXX XXXX made a mistake in posting the {$210.00} payment drawn on a different account which I did not authorize her to use. I proceeded to authorize XXXX to post a payment in the amount of {$210.00} drawn on account ending in XXXX to satisfy the XXXX balance which was supposed to have been taken care of on XXXX XXXX , the Cus tomer Service Representative I spoke to, then posted the payment in the amount of {$210.00} drawn on account XXXX to take care of the Minimum Amount Due for the month of XXXX which was supposed to have been taken care of on XXXX XXXX . The Confirmation for this payment was XXXX wsent to my e-mail. I also informed XXXX that I previously posted a payment of {$210.00} on XXXX XXXX to take care of the XXXX balance due XXXX XXXX ( Confirmation # XXXX ) on top of the XXXX statement balance payment that was made over the phone. Towards the end of the call, XXXX informed me that the account will be updated to its current status in good standing in light of an error made by a customer service representative I spoke to on XXXX XXXX , which is indicative of inaccuracies on the part of Sears MasterCard in posting the proper Minimum Amount Due and the appropriate status of the account.
|
| 11/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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On Saturday XX/XX/2020 at XXXX PST, I attempted to make a cash deposit in the amount of {$780.00} to my CitiBank checking account via my local branch 's ATM. Shortly after inserting my cash into the ATM the process was stopped & the machine printed out a receipt with the following message : " I'm sorry. Because of technical problems, I can't return your cash right now. Please take this record. For assistance, please call customer service at XXXX ''.
Immediately after receiving this print-out I contacted the number provided to advise of the incident with the thought that the customer service agent would be able to appropriately resolve my issue with crediting my account as I had initially tried to do. The agent advised that an investigation will need to be opened for their team to research my issue and to expect a resolution in 10 business days. I explained to the representative that I fully understand all due process ( s ) on their end to be initiated but was unable to grasp as to why a provisional credit ( since it's a cash transaction ) could not be deposited immediately to which was informed that this is CitiBank 's policy, procedure and nothing more than pursuing forward with an investigation could be performed. The agent also stated that on Monday XX/XX/2020 to take a look at my ledger as there could be a chance of the deposit appearing and well, it wasn't.
So I decided to go to the branch where the failed transaction occurred thinking an in-person conversation would be a more suitable approach for resolution. While the representative was very " sorry '' for this inconvenience but they would not be able to assist me in anyway and that I should again reach out to customer service to see if they could provide me with a provisional credit while their investigation was underway. After my visit I got back on the phone with customer service, spoke to a manager who then expiated my case but again said it's going to be 10 business days before any credits can be made to my account. And again, to check my account the following day ( today Tuesday XX/XX/2020 ) as there's a chance a credit may be made. As of XXXX XXXX XX/XX/2020, I've yet to receive any credit, my account is now overdrawn with a negative balance of - {$570.00}. I am now behind on bills, am negative with my checking account & after contacting customer service yet again was given the same run around of 10 business days an apology & that an e-mail would now be sent to the investigations department to request my case be accelerated.
I'm an understanding, patient person & I know things happen. I for the life of me am unable to wrap my mind around why CitiBank will not work with me to credit my account and put me into a corner where I feel as my hands are tied and am at their mercy. I can't understand why my family and I are to suffer the consequences for my banks ATM error it just doesn't make sense. I've never filed any complaints before with CitiBank or even entertained the notion of coming to a time where I'd be contacting the Consumer Financial Protection Bureau for visibility.
This situation has left a bad taste in my mouth, I know we as a country & the world are suffering from a pandemic it's a terrible time for us all. Finances I think for a majority of us are tight as it is ( not to mention the holiday season descending ) and writing this complaint I feel is for the best interest of myself & others that the CFPB be informed ( not the end of the world, maybe it isn't important to CFPB ) but it is to me.
My wife and I are new parents, we work hard to try and are doing our best to keep ahead in these times just like everyone else. With banks, their willingness to accept our hard earned money is no question but when it comes to calling them out & owning up to an error on their end, is from what I'm experiencing with CitiBank, most disheartening.
I've accepted that my chances of a swift resolve are bleak. I'll sit patiently while CitiBank sends their ATM technicians to check the machine, investigate my claim, eventually resolve and all the while swallowing the words " sorry for your trouble '' as my food for now.
Going forward my lesson learned is no more ATM deposits with cash.
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| 02/20/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
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This is regarding the purchase of item on XX/XX/XXXX for {$370.00} at Home Depot using a Home Depot Consumer Credit Card issued and serviced by Citibank, N.A..
The day of purchase I was told by a Home Depot associate that the item was on sale and that if I applied for a Home Depot credit card and paid for the item with the new credit card that there would be special financing on the item. I would not have to pay any interest on the item nor pay for the item for 6 months. I specifically asked the associate if I needed to pay anything within the 6 months. The associate replied " No '', just pay the full amount in 6 months. So I believed that no payment for this one item was required until XX/XX/XXXX. I applied for the credit card and used it to purchase the item as well as one other item. The first bill that I received is attached ( pages 1 thru 3 ). The total amount is for {$400.00} ( {$370.00} for promotional item and {$31.00} for a second item ), it is page 1 of the attachment. Minimum payment was {$27.00}. I sent a check in the amount of {$31.00} to cover the full cost of second item purchased. I did this to ensure that there would be no interest charged on the first purchase. I then ignored all further bills since it was my understanding that no payments were required until XX/XX/XXXX.
The next time I became aware of this issue was upon receiving a letter from a collection agency - XXXX XXXX XXXX XXXX - around XX/XX/XXXX. See page 4 of attachment. I promptly called them and explained that it was my understanding that I did not need to pay the {$370.00} until XX/XX/XXXX. They did not have a copy of the bill, so I faxed them the page and noted that I did not have to pay until XX/XX/XXXX. In the interim I paid the {$370.00} for the item ( shown on page 5 of attachment ) before the XX/XX/XXXX due date.
I contacted XXXX XXXX again on XX/XX/XXXX. They said that my dispute was rejected and that I would have to pay all fees and interest charges. They told me I should have read the fine print. If I had to read and understand every fine print on every transaction that I make, I probably would not buy anything. I wonder how many sales associates would be able to explain the fine print to me?
Well I did read the bill and fine print. This is what I found : A ) In the middle of the first page ( 1st page of attachment ) of the bill it reads " You must pay your promotional balance of {$370.00} in full by XX/XX/XXXX to avoid paying deferred interest charges. ". So I thought that the only payment I needed to make was this amount in XX/XX/XXXX.
B ) In upper righthand corner of second page of bill ( 2nd page of attachment ) under heading " How to Avoid Interest on Purchases '' second paragraph it states " If you have a balance subject to a deferred interest or 0 % APR promotion and that promotion does not expire before the payment due date, that balance ( the " excluded balance '' ) is excluded from the amount you must pay in full to get a grace period ''. Again it seems to me that I needed to pay the amount before XX/XX/XXXX.
C ) On the third page ( 3rd page of attachment ) of the bill under " TRANSACTIONS '' it states " PROMOTIONAL PURCHASE : To avoid interest charges, please pay the above in full by XX/XX/XXXX. Monthly payments required. ". I just noticed this as I was creating this dispute. Still not clear what monthly payments mean as it relates to this transaction.
D ) On the third page ( 3rd page of attachment ) of the bill under " ACTIVITY AND PROMTIONS DETAIL '' there is a column headed " Promotion Minimum Payment Due ''. The amount shown is {$0.00}. Again I have to believe that the only payment that I have to make is for the full amount in XX/XX/XXXX.
This entire bill for this transaction is confusing to me. I am XXXX years young. I have made many transactions in my life time. Many more complex than buying one item at Home Depot with a Home Depot charge card. I have never had an issue such as this or a more confusing transaction. If I had known that I had to make monthly payments, I would have paid the entire bill at once ( not a huge purchase ). I am requesting a waiver of all interest charges and fees ( {$140.00} shown on page 5 of attachment ).
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| 07/16/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
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On XX/XX/XXXX, I discovered that my XXXX worth of My Best Buy reward points ( which has a value of {$410.00} ) was emptied from my account. Best Buy sent an email earlier that afternoon stating that my XXXX XXXX Unlocked account exceeded their limits of 3 copies of each title per platform, per year, per member on more than one occasion over the last 12 months. I sent an email to their executive relations department explaining that I did NOT exceed purchase limits of 3 copies of each title per platform, per year, per member. I received a call from XXXX XXXX on XX/XX/XXXX to which he confirmed that my points were removed from my account because of gross abuse of their XXXX XXXX XXXX program. He confirmed that I was very careful in that I purchased the up to 3 copies limit on most if not all of my purchases. Based on that conversation, Best Buy has confirmed that I did NOT violate the terms and conditions of their program, which again is 3 copies of each title per platform, per year, per member.
Best Buy 's statement in that I exceeded their limits of 3 copies of each title per platform, per year, per member on more than one occasion over the last 12 months is false. " The over the last 12 months '' is a condition that was never added to their published terms and conditions nor was I ever made aware of it. I have purchased more than the limit of 3 copies of each title per platform, but they were in different years ( i.e. XXXX and XXXX ). Therefore, I did NOT exceed purchase limits of 3 copies of each title per platform, per year, per member.
There was no merit in claiming that I exceeded limits of 3 copies of each title per platform, per year, per member. Therefore, Best Buy claimed that there was gross abuse of their XXXX XXXX XXXX program. What is considered gross abuse of their program? There is no mention of the terms " gross abuse '' in their terms and conditions. What activities or behaviors qualify as gross abuse? Best Buy could not fault me for exceeding purchase limits so they decided to come up with this " gross abuse '' claim, which is absolutely subjective and basically allows them to cancel my membership and reward points as they see fit.
The XXXX worth of My Best Buy reward points ( which has a value of {$410.00} ) were earned not only from using the XXXX XXXX XXXX membership to purchase games with their Best Buy credit card, but from using my Best Buy credit card to make purchases outside of Best Buy. The removal of my entire point balance is clearly theft. The points had a cash value even though the points can only be converted to reward certificates ( in {$5.00} denominations ) to be spent only at Best Buy. My points were removed from my account for reasons that can not be supported.
On XX/XX/XXXX, Best Buy decided to cancel their XXXX XXXX program and not allow any new membership signups, but allowed existing paid memberships to continue their benefits until expiration. My paid XXXX XXXX XXXX membership expires in XX/XX/XXXX. Isn't it convenient that shortly after Best Buy decided to end the program that they claimed that I was in violation of their program 's terms and conditions and therefore allows them to cancel it? I've been a member of their XXXX XXXX XXXX program since inception. I've not once violated their program terms.
Even though I've kept track of my purchases so as to NOT exceed limits of 3 copies of each title per platform, per year, per member, why would a company of Best Buy 's size NOT have a system in place to prevent purchases over the established limits? The terms and conditions are in tiny fine print, which are NOT communicated to customers upon signup and purchase of the paid XXXX XXXX XXXX membership. There are NO warnings that remind a customer about the limits both in store and online. Both in store registers and the online system allow customers to purchase over and above the limits, which is a HUGE flaw in their efforts to ensure limits are followed by customers. I could think of a handful of ways that Best Buy could have enforced the limits from their terms and conditions systematically as opposed to placing the burden to remember on the customer and none of which were ever implemented by Best Buy.
|
| 09/03/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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I signed up for a new CITIBANK checking + savings account package with the {$400.00} promotional offer ( XXXX ) that was sent to my email since I have a CITI credit card.
In addition to additional 0.05 % cash back on the credit card, there was a {$400.00} signup bonus if certain conditions were met.
The terms were as follows : - Open a Regular Checking account in the CITIBANK account package between XX/XX/2020 and XX/XX/2020 - Within 30 days of the opening of the new eligible checking account, any owner of either eligible account must make a deposit of {$15000.00} or more in New-to-Citibank Funds into the new eligible checking account.
- A minimum balance of {$15000.00} must be maintained for 60 consecutive calendar days following the date when the {$15000.00} deposit was made ( minimum balance ).
- Within 90 days of completing the activity, the {$400.00} bonus will be deposited into the account.
I read these terms very carefully and the only reason I was opening the account and jumping through all of these hoops was to get the promotional offer.
On XX/XX/2020 I opened the account package ( checking+savings ) and funded it with an initial deposit of {$15000.00}.
The checking account had an interest rate of % 0.01, the savings account in the package had an interest rate of % 0.04.
I called a representative on XX/XX/XXXX to ask if " maintaining the balance '' for the promotion would be eligible across both the savings and checking account, or if I had to leave the funds in the checking account. The rep told me that the " the combined balance can be maintained across both accounts, and it will be considered for the bonus ''.
On XX/XX/2020, I transferred {$15000.00} to the savings account to take advantage of that sweet extra % 0.03 since I had confirmed I would still receive the promotion.
On XX/XX/2020, XXXX calendar days later ( 60 were required ), I withdrew {$5000.00} from the citi savings account. This left {$10000.00} in my accounts to avoid any maintenance fees while I awaited the promotion to be deposited.
On XX/XX/2020 : I thought I would receive confirmation email or the actual bonus at some point. I opened an online chat to discuss the issue ( I have screenshots ). The chat representative also confirmed that my account balance could be maintained between the checking and savings accounts, and that the total balance would be considered for the promotional offer. That it looked to her that I would be eligible, but I just needed to be patient as there was still time left in the 90 days for the deposit to happen.
On XX/XX/2020, 91 days after I satisfied the requirements, I called CITIBANK to inquire about my promotion that should have been received. I had not received any communication as to whether or not I had satisfied the requirements. On the phone, the rep looked over the details, said I should have gotten it based on what they saw, and that I would need to file a " dispute '' with the promotional department, with all of the details, and that should clear it up. So she forwarded me to the that department and I filed the dispute stating everything I said here and was told I would hear back within a week.
On XX/XX/2020, I received a secure message in the account from CITIBANK stating that I had not met the requirements of the promotion : " Unfortunately, your account does not qualify for this promotion because the required deposit was not maintained for 60 consecutive calendar days in checking account. '' This was obviously rather frustrating as I had contacted the bank twice over the phone and once over chat, and on all of those occasions I was told that the balance across both accounts in the " package '', the checking and savings accounts, would be considered for the promotion.
I really feel that I took the time to carefully meet these promotional requirements and that CITIBANK should stand by what they told me and deposit the {$400.00} promotional signup bonus.
I am happy to provide any supporting documentation you require including screenshots of the chat I had with the CITIBANK representatives and a link to the promotional offer I received.
https : //banking.citi.com/cbol/20/Q1/r2c/valueprop/DC/default.pdf
|
| 12/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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On XX/XX/22, I opened a new checking account with Citibank on the incentive that if I maintained a balance of {$30000.00} for 90 days, I would receive a {$500.00} cash bonus. I was told that the qualifying funds would have to be from funds not already in possession of Citibank. Days later, I deposited a bank check for {$25000.00} into the account. During the next XXXX weeks, I deposited funds into this account, both qualifying and non-qualifying.
On XX/XX/22, I deposited, by ATM at the same location as opening the account, a {$3500.00} check from my husband 's XXXX account. Unfortunately, this was a mistake on my husband 's part. The bank account had been closed for about XXXX year. The original reason for this account closure was caused by XXXX bank -- another account was immediately opened by XXXX in my husband 's absence. I am open to elaborating on this XXXX account closing, but it would lead any reasonable person to understand my husband 's confusion.
This check is the source of the problem with Citibank -- or so they claim. On XX/XX/22, I received a phone call from Citibank 's " fraud department '' presumably in a far-away land. I answered their security questions, which I believe should have cleared everything up. Thereafter, Citibank put my account on " blocked '' anyway, including over {$27000.00} of my money.
It has been weeks now. After many phone calls to XXXX XXXX, banker ( XXXX ), all the local Citibank can do is tell me to contact the " fraud department. '' The " fraud '' department does not provide me with any Citibank policy guidelines, other than to angrily state the account is " under review '' and will likely close at some indeterminant time. They further tell me that when they do choose to close the account, that it will take another 70 days to receive a bank check from them after that.
I can not help but believe that minor mistakes are frequently made when funding accounts such as this, and Citibank uses this as an excuse to entirely tie up large sums of funds they did not originally have - a very punitive and draconian measure. It is interesting to note that my funds will be tied up for just about the same time I was going to be leaving the money in the account to begin with -- but at my own election. These are very suspicious circumstances.
Upon information and belief, as of today, the account is not even closed. The indefinite waiting period, bereft of any underlying bank policy to support it, with my money out of my control, along with passing the buck on to a foreign " fraud '' department, as well as a collective " shrugging of shoulders '' is very unsettling considering the substantial sum of money that is tied up -- leading me to ask ask myself if Citibank is truly trustworthy. The lack of personal discernment in this situation is appalling. This is arbitrary, whimsical and erratic behavior on the part of a national bank. Would this have happened if there were only {$500.00} in my account? Is there an end to this? If so, what is their policy in this regard? What is driving the decision making?
Remember that the totality of all of these transactions occurred on an extremely local basis -- all within a two-mile radius. And yet, the fraud department ( are they the actual " fraud '' here? ) in a far away land having nothing to do with our very local issue, by local people, who are real and available to personally show up, present identification, PIN numbers, etc.
Further, please note that no one would expect a check written and deposited on a closed account to ever be paid into another bank, so that is indicia of a lack of fraud. No goods or services were procured. My husband was legitimately confused -- we were merely trying to fund a new account in order to take advantage of the {$500.00} offer. Also, he HAD the money in a XXXX account that XXXX themselves set up in my hisband 's absence, as a substitute -- that was the account that my husband thought he was writing a check on.
In short, this was merely a mistake between a husband and wife, and now I am left with a inordinately severe and very unsettling punishment. Further, I am not the one who even wrote the check, so why is my account being affected?
|
| 04/26/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I received an email on XX/XX/XXXX of 2021 approximately XXXX or so. It stated my wire transfer ( Citibank ) was complete, that was news to me as I did not make a wire transfer. I was currently working on XXXX XXXX between XXXX and XXXX. Once I gathered my things I walked/ran from my job on XXXX to XXXX XXXX XXXX XXXX XXXX to a branch of Citibanks. I met with XXXX ( Citibank representative ) and stated someone has fraudulently wire transferred money from my accounts, this was not me. I showed him the email I received. He asked for all my documentation, verified I was who I stated and located what bank XXXX XXXX XXXX XXXX ) the monies had been transferred to as well as a name of the person ( XXXX XXXX ) who wired the money. I stated, well stop it please, he noted he can not do anything as we need to alert the fraud department. I said well let them know please. He said we need to fill out an affidavit for both of my accounts as my checking and savings were exhausted, I asked how was this not a red flag that someone has wired all their monies out of their account, either way he could not do anything until the fraud department was notified by means of affidavits, I filled out the affidavits and was told to come back tomorrow. I went back the next day, XXXX called the fraud department, and the affidavits were received. The fraud department asked if the wire transfer has been recalled, I just stared at the XXXX ( Citibank representative ). TE wire was not recalled and XXXX checked to see if the monies were still at XXXX XXXX XXXXXXXX. After checking of course, the money was no longer in XXXX XXXX XXXXXXXX as it was taken out. I was then told an investigation needs to be completed. I asked how long this will take as I have bills to pay, I need to wait 60 to 90 days for the investigation. I called almost everyday after 2 weeks as I heard nothing, when you call you get a representative that is overseas, so you need to ask to be transferred to a representative in the united states. Upon doing so they almost always stated the investigator is not online or we need to leave a message and they will call you back. That never happens, one day I got a woman named XXXX, she said although she does not work high dollar amount cases and is not my investigator, she will investigate my case and get back to me. That never happened, during the process I did get a hold of an investigator, not mine but told me that it was a scam and the bank denied my claim. I was beside myself. I then the official letter stating such, but the whole time I was trying to contact XXXX, finally I got her and explained what I been told, and she said she was sorry she had the flu that is why she didnt get back to me. She will look at my case right now, after reading my case file she said there was only one note on the case stating that someone had called in about the accounts, but it was deemed fraud, and nothing transpired after that. She stated just on the premise alone I should have gotten my monies back as they even deemed the call to be fraud. She said she is opening an appeal for me and now that she has been transferred to high dollar amount cases, she will ask het supervisor to request my case be giving to her. Days go by I cant get a hold of XXXX, but the appeal was open, and a new investigation was open. I receive a call from XXXX that she is reviewing my case and needs to ask a couple of questions, I give her all Im stating the above and more, she says within 5 days they will decide, of course Im calling daily and can not get a hold of her, time passes I finally get another investigator as I requested to talk to someone in the United States. This investigator states my claim was denied a Citibank does not cover scams, at this point I have not words. I still have not got the official letter stating such. So, I fill out a police report, I fill out identity theft and searched for a lawyer Im trying now to retain, as well reached out to XXXX XXXX XXXX on your side. I dont know what to do as I did nothing wrong but Im paying for the banks wrongdoing by not recalling this wire transfer after I told them it was not me, Im so angry and have no means to get my money back, please help. Thanks
|
| 07/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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On XX/XX/2020 I purchased an item on-line from a merchant ( XXXX XXXX XXXX ) using my Citibank credit card in the amount of {$270.00}. This item was shipped to me and received on XX/XX/2020 ; however, it did not meet my needs so I contacted the merchant on XX/XX/2020 to return it. The merchant did not respond so I contacted Citibank and filed a dispute and Citibank issued a conditional credit to my account.
On XX/XX/2020 the merchant responded to me and provided a shipping label with return instructions. Therefore, I cancelled my dispute with Citibank and they reversed the credit to my account. On XX/XX/2020 I returned the unused item in it's original condition and packaging to the merchant via XXXX and received confirmation that the item was delivered to the merchant on XX/XX/2020.
On XX/XX/2020 I contacted the merchant because a credit had not been issued to me for return of the item. I received no response from the merchant and, therefore, contacted Citibank on XX/XX/2020 asking for my dispute to be reopened. On XX/XX/2020 I received a response from the merchant indicating the item was currently in queue waiting for returns inspection. ( Please note in spite of my repeated future attempts to contact the merchant, this would be their only and final effort to contact me. ) On XX/XX/2020 Citibank contacted me indicating my dispute had been reopened and issued me a conditional credit and asked me to provide additional information. On XX/XX/2020 I sent 17 pages of documentation to Citibank regarding the purchase and return of this merchandise, including attempts to contact the merchant. On XX/XX/2020 I received another request from Citibank asking for additional information which I provided to them on XX/XX/2020. On XX/XX/2020, Citibank sent me a letter indicating they had completed their investigation and based on the information they had, it was not enough for them to rule in my favor and they denied the dispute and reserved the conditional credit to my account. On XX/XX/2020 I contacted Citibank asking for specifics as to why my dispute was denied considering the merchant was now in possession of the merchandise and my money. The agent could not answer and indicated an investigator would contact me ( which never happened. ) On this same date, XX/XX/2020 I resent all my documentation regarding this purchase to Citibank again.
On XX/XX/2020 Citibank contacted me and indicated they had received my information and would review it and notify me. On XX/XX/2020 Citibank requested additional information from me and I provided it to them on XX/XX/2020. On XX/XX/2020 I contacted Citibank to ask about the status of my dispute and received no response.
On XX/XX/2020 I reviewed my dispute in my Citibank account and noted the dispute was still pending awaiting additional information required from me. However, the additional information required was the same documentation I provided to them on XX/XX/2020 ; therefore, I contacted Citibank to explain this and the agent indicated a new request for information was being mailed to me and would also be downloaded to my account with 24-48 hours. ( This new information request was never received by me or downloaded to my account. ) The agent also provided me with a telephone number to call the Citibank Dispute Center. ( Note : I have attempted to call this number numerous times and the office is always closed. ) On XX/XX/2020 I contacted Citibank again to inquire about the status of my dispute and the agent told me the same information I was provided when I contacted them on XX/XX/2020. She was unable to offer an explanation other than to keep waiting for the letter to show up or for a downloaded document to appear in my account.
On XX/XX/2020 I tried to call the Citibank Dispute Center once again during their business hours and received the same recording that the office is closed.
I have no other recourse at this time. I've complied with all return requirements and have provided documented proof. The merchant has the returned merchandise and my money and Citibank will not support me in obtaining a credit. This is fraud.
Please note I have all proof to provide ; however, file was too large to attach.
|
| 04/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
So, this all started when I decided to book a trip for myself as a reward for getting myself out of college debt. I saved up and charged {$4500.00} on a travel plan for a trip to take place in XX/XX/XXXX. {$3400.00} of that money was paid for with a Citibank credit card.
In XX/XX/XXXX the COVID19 virus started XXXX people around the world. The travel company, in an attempt to not go bankrupt, did not allow me to cancel the trip until they provided an alternative option for me to review. Hence, I was not capable of asking for a refund within 120 days of original charge. The option was to move the trip 1 year into the future from original travel date WITH the option to cancel THEN if it was not suitable to the client. I was not willing to travel in XX/XX/XXXX not knowing the conditions of this virus.
In XX/XX/XXXX I received the notice that despite their efforts the company would be filing for administration and that I should be able to go to my credit card and ask for a refund since I paid for a trip that would no longer be happening regardless of my involvement.
This is when the nightmare truly started.
I requested a refund for a trip that I paid for that was no longer going to happen.
XXXX has a rule which states that on chargebacks there is normally a 120-day limit, but this can be extended to 540 days if the services were to be provided at a future date. So, for example, a vacation. My vacation applies here with this rule.
The time limit for my claim should start from the date I was expecting to receive the service/trip not from the purchase date, given I was buying something to be delivered in the future. In my case, citibank should use my new trip date of XXXX XX/XX/XXXX. Alternatively, they could use the date I found out that I would not receive the trip XXXX XX/XX/XXXX ).
I have been informed by the travel company and the administrators for the company, that I am not financially protected in any other way. I had attached the terms & conditions that are relevant for my booking several times. Thus, the responsibility lands on the credit card company and I had followed up in a timely manner PER the XXXX rules.
When I asked the Executive, XXXX XXXX, assigned to my case about the 540 day rule she was not aware of it at all. She admitted to not knowing many details that would pertain to my case and literally said, " I know that sounds bad. ", yet she was the decider on the fate of this outcome. ALARMING She was rude and failed to keep communications clear with me every step of the way. I followed up with emails and many MANY phone calls with almost all ignored. She eventually lied and said she left several messages on my voicemail that simply wasn't true. She had only left one right before going on vacation and then never ever returned any of my calls after that. Finally, I caught her on a different number than the one she had provided in her voicemail. She answered!!! She was not happy it was me.
When I asked to speak to literally anybody else besides her she flat out refused. She claimed that she is the highest level and that there are no more supervisors above her, period. After asking 5 or 6 times more she then mentioned a manager above her called XXXX but that I would never be able to speak to her. That no matter how hard I tried it would never happen. ALARMING.
I have continuously supplied the documents requested and I have been PROMISED follow-up phone calls ... But in the end my case gets concluded that it's customer fault without any phone calls and I have to reopen the case to provide more documents. And it never ends.
This battle has now gone on for more than a year and they have since credited me back the money and now have begun reversing the credit.
This is causing chaos on my credit as I am trying to secure a home.
I've wasted so much of my time on trying to get this resolved it's shameful. In the overall picture {$3400.00} is a drop in the bucket for this company. I would've given them a lot more over time too. Not only will I do what I can to tell everyone of my horrible experience, but I will suggest that they also move any and all charges to their other cards ... nobody relies only on one card.
|
| 05/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
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Complaint regards Citi AAdvantage Gold and Miles Up Cards My wife and I held AAdvantage Gold cards for 17 years. Since we were not benefiting from the annual fee, we decided to cancel these cards and apply for new AAdvantage MileUp cards. I called customer service to cancel our Gold cards. The agent asked me why and I gave the reason. He told me that I did not need to apply for the MileUp card on line that he could do it for us. He never told me that he was " converting '' our accounts, that he was not opening new accounts, or that what he was doing would mean that we would not be eligible for the miles or credit bonuses that we expected. After we satisfied the requirements for the bonuses, they did not appear on our airline accounts or monthly bills. I called customer service who forwarded our concern to a " benefits office. '' Several weeks later ( XX/XX/XXXX, XXXX ) we received notification from Citi AAdvantage po box XXXX, XXXX XXXX, SD XXXX that our accounts " were not enrolled in an offer that awards XXXX miles and {$50.00} statement credit. '' There was no further explanation. I then called customer service ( XXXX ) and learned that we were rejected because we had not opened a new account. The website for the AAdvantage MileUp Card states the bonus is earned " after spending {$500.00} within the first 3 months of account opening '' It does not specify that it had to be a new account. The website also states, Statement credit and XXXX XXXX AAdvantage bonus miles are not available if you have had an AAdvantage MileUp card opened or closed in the past 24 months. '' We did not have such a card. There is not statement of ineligibility for any other reason. Finally, there is clear documentation that we had opened new accounts and were not transferred from previous accounts. The two additional attachments show statements from our Gold and MileUp accounts. Each specifies an Account number that is different for the two cards. There is no other " master '' account number showing both cards in the same account in either our paper statements or our online Citi statements. Therefore, we believe that Citi misrepresented the terms for their credit card bonus, rejected our bonuses for deceptive reasons, and they should grant us the miles and statement credit bonuses.
Although not a direct subject of this complaint, I would like to comment on the poor customer service we received. When I called to find out why we were rejected, I was not satisfied with the explanation XXXX gave me so I asked to speak to a supervisor. He put me on hold and returned saying the supervisor was not available but would call me in 1-2 hours. I asked to be called on my cell phone, gave him the number and asked him to read it back for verification. I did not receive a call. I called back the next day and was told I had been called on my home number. I check my home phone and there was no verification of a missed call or message. I asked to speak to a supervisor and was connected to XXXX who returned to the line after a hold and informed me that he could not help me because the supervisor who allegedly called me was in charge of my case. He said he would personally insure that I was called. Again, I gave him my cell phone number and asked him to read it back for verification. He would not give me the name of the supervisor who was in charge of my case. I did not receive a call on my cellphone. I later checked my home phone and found that I had received a call ( despite two messages she should have received to call me on my cell phone ) and a message. The message started with her name which was unintelligible and ended abruptly in mid sentence approximately 20 seconds later. It is unlikely that my phone was at fault since an hour or so later I received an unrelated message from a friend that lasted approximately 3 minutes. I called again the next day and was told by XXXX that the supervisor was unavailable ( she wouldn't tell me her name or what 'unavailable ' meant ) but she would call me back shortly. I went through the same cell phone routine. It is now several days later and I have not received a call on either my cell or home phone. This is terrible customer service.
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| 02/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Background : We were scammed by XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX is a scam sold at XXXX XXXX. Salesman pressures it's visitors to buy into their vacation club by offering them money or services in exchange for listening to their " short '' presentation. Visitors are then given a 4+ hour presentation to be worn down and ultimately sold on the " great value '' of the club and the " low prices '' and " savings/benefits '' being a member of the club will provide. Visitors do not get to see REAL TIME pricing prior to contracting and becoming a member. We had faith and trusted that the pricing would be what we were told. We had to wait 30+ days for our membership to be active and able to get on the website to book a trip/ see pricing. The soonest we were able to get online and book a trip, we quickly realized we had been scammed as none of the prices were anything that they were said to be. Some of the locations for trips were completely unavailable or cost upwards of $ XXXX due to NONDISCLOSED resort fees, etc. We immediately called XXXX to verify thinking we were possibly looking at the wrong thing, but it was confirmed we were indeed at the right place and those were the prices. Upon discovering this, we immediately contacted XXXX by phone to cancel our contract and notified them of the breach in accordance with THEIR outlined terms. We were told over the phone there was nothing they could do. A few days later on XX/XX/XXXX, we received an email from a representative to discuss & proceeded to notify them of the breach of contract AGAIN in accordance with their terms. The Merchant refused to cancel and refund our money and maintained they were not in breach of contract. Therefore, we submitted the dispute with Citibank.
XX/XX/XXXX - dispute filed with Citibank for a charge of {$6700.00} placed on XX/XX/XXXX with XXXX XXXX XXXX after the merchant refused to refund our money. Received email from Citibank confirming receipt of dispute. A conditional credit was applied within a week.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Emails were received from Citibank notifying the dispute was being reviewed.
XXXX Email from Citibank notifying they had finally contacted the merchant and were waiting to hear back from the merchant who had until XX/XX/XXXX to respond.
XXXX we were notified that Citi had awarded the dispute in the Merchant 's favor/ closed the investigation and re-charged the {$6700.00} to our card.
XXXX We responded to Citi and reopened the dispute, resending the contract and evidence from the Merchant stating the terms of the contract specifically applying to the case- " if member considers that mediator is in breach of any of its obligations under this contract, member shall have ( 10 ) days counted from the date of breach to notify mediator .... if mediator is unable to correct said breach, member will have the choice of terminating the contract and requestion a refund of the total price already paid ... '' Citibank could not possibly have read the information provided to them if they awarded the case in the merchants favor. Moreover, Citibank states that they can not award the case in our favor even if they wanted to because the Merchant is refusing to comply.
Citibank clearly did not examine the documentation we provided to them or they would have seen the terms of the contract and awarded this case in our favor. To date ( XX/XX/XXXX ), it has been 178 days since this dispute was opened. XXXX has harassed and threatened us with multiple emails & calls threatening to ruin our credit history and send the money owed to collections. Citibank made NO EFFORTS to resolve our dispute within the FTC timeline of two billing cycles ; the FTC clearly outlines our rights as consumers and states if this violation occurs, we are not responsible for owing the charge to Citibank- regardless of the dispute status. Citibank refuses to acknowledge FTC guidelines or our consumer rights when prompted.
Bottom line- we have been scammed by XXXX and our credit card company is not backing us & in violation of FTC guidelines. We request enforcement of these guidelines and removal of the {$6700.00} from our credit card.
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| 03/18/2021 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX, I saw a promotional ad on the Citibank website offering a {$700.00} bonus for opening two new accounts : a Priority Savings Account with at least {$50000.00} and a Priority Checking Account ( opened with {$25.00} ). I called the toll-free number provided, spoke to a man named XXXX ( he would not provide his last name when asked ). I inquired about the promotion, told him that was the reason for my call, and mentioned that I had moved money around with other banks to take advantage of promotional offers like this one. I wrote down on a piece of paper what was required to achieve the {$700.00} bonus from Citibank. I also asked him what the current interest rates were at Citibank and wrote down this information as well. I kept this paper from my call. Satisfied with what I had been told, I opened the two accounts over the phone and transferred the required funds.
In the 150 days the money was at Citibank, I didnt write a check or use the ( 2 ) ATM cards provided. As I stated, my sole purpose for opening the accounts was to receive the {$700.00} bonus and I made this clear to XXXX on the phone. Twice, during the period between XX/XX/XXXX and XX/XX/XXXX, I called the Citibank customer service line and inquired about the date the bonus would be paid. The first time I called was in late XXXX, I did not remember the exact day I was told, but that it would be in XXXX. The second time I called was in XXXX to verify the exact date so that I could prepare to transfer the money after the bonus was deposited. This time, I was given the date of XX/XX/XXXX. At no time, in either of these calls to customer service, did they alert me that I was not eligible for the bonus or that there was a problem with my qualification to receive it.
When I checked my Citibank account on XX/XX/XXXX and did not see the bonus deposited, I called the bank on XX/XX/XXXX. I spoke to a representative named XXXX. She didnt know why I hadnt received the bonus. She checked and verified that I had completed all of the requirements, but didnt have the authority to put the {$700.00} in the account. XXXX suggested that I dispute the error, saying the process would take no more than 5 days to complete. When I responded Why 5 days?, she told me she would classify it as a priority. She then put me on hold while she filled out the form. She returned a few minutes later and said that she was transferring me to a supervisor.
At this point, XXXX ( ID # XXXX ) came on the phone and informed me that I would not be receiving the {$700.00} bonus because the employee ( XXXX ) who opened my account ( s ) failed to attach a promotion code to my application. She then asked me if I had a promotion code. I said I did not. I told her that I dont ever recall being asked to provide one. If XXXX did, I replied, then I certainly would have supplied him with one from the website to be eligible, but he did not ask me for a code. Again, I made it clear to him before I opened the account ( s ) that I saw the promotion advertised on the Citibank website and that was why I was opening the accounts.
XXXX consulted with two different departments and the answer came back the same. She too could not believe that I was being denied the bonus for the mistake of an employee. She mentioned that because the accounts were opened online that there was nothing she could do. I explained that I opened the accounts over the phone, not online. Several times I asked her if someone could go back and listen to my XXXX call, or examine the records of the call and verify our conversation, or better yet, speak to the employee that opened my accounts. She said that there were no record in the file as to who XXXX was and there was no way to verify the call.
When I inquired about an appeals process available to me ( contrary to what I was told by XXXX ), she said there was none. She said that my only option was to write a letter to the bank and ask that it be forwarded to the Executive Response Unit. I wish I could do more, she said to me near the end of our conversation. Finally, she informed me that she did file three internal complaints and provided me with those Complaint ID numbers : # XXXX # XXXX # XXXX
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| 07/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
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I recently opened a checking account plus w over draft protection, and over draft line of credit that comes w this type of checking account, I was automatically approved for all of the benefits that came w my new checking & saving account 's w Citibank Gold plus personal checking, Citibank sent me a debit card that wasn't valid, it didn't have a 3 digit num on the back of my debit card, They sent me my check book w check 's that Im not able to use, Citibank never added my Overdraft line of credit XXXX though I was approved for it, Citibank failed to honor my Over draft protection on my account XXXX though they told me all checks and debit transactions are covered, and that any check i had written was covered by both my line of credit, and my overdraft protection, that all I had to do it deposit {$1.00}, to start my account, I deposited {$5.00}, Citibank had sent me my overdraft line of credit welcome package, in that package I had to sign and return my loan documents by fax or mail, I faxed them back the same day I received the package, Citibank had confirmed they received my signature verification loan documents back and that they would be adding my Overdraft line of credit immediately! That never happened, Its been almost 3 months Citibank still hasn't honored nothing they had offered nor did I get the Citibank checking account gold plus account I was approved for, Citibank can't answer why they had me sign my loan documents but never gave me my overdraft line of credit. Nor have they gave me my {$1500.00} new members sign up bonus, its been 90 days, Citibank never gave my wife her {$100.00} referral bonus for referring me, Citibank bank has caused my checking account to be overdrawn and checks Citibank said had cleared have returned causing my rent payments to bounce. Other bills bounce. And caused my other bank account to have several bounced checks reflecking very very very negative on me. My accounts have all been blocked. Citibank is charging me over draft fee 's and other fee 's when they never cleared none of my checks, nor bills give paid including bounced a {$160.00} check on my wife 's us bank account after Citibank said that check had cleared. both rent payment 's have returned {$420.00}, {$750.00}, {$160.00}, {$350.00}, Citibank has caused my XXXX XXXX XXXX XXXX XXXX account to have several returned payments totaling {$990.00}, I have to pay that back on XX/XX/2021 to XXXX XXXX to bring my account back in good standing. And have to pay a bunch of fee 's they charged me. Not to mention destroyed my excellent history give had w my credit union. My landlord. And my XXXX account to be suspended by returning my {$480.00} auto payment give set up. Citibank lied and said cleared but returned 2 different occasions, Citibank bank has my checking account reflecting 4 different balances none which makes any sence because they never covered any of my transactions. Bills give paid. Checks ice written. Including my wife 's bank is now in the negative by {$350.00} w XXXX XXXX do to Citibank lying deceitful practice 's, Give called every day several different times a day spoke to supervisor 's '' account manager 's, banker manager 's, give XXXX filed a grievance against Citibank for faults advertising, and for refusing to fix their error 's. Way fee 's. And bounced checks. And fee 's. And for not honoring my overdraft line of credit XXXX though I've sign my loan documents and faxed them back into Citibank. And for sending me a fake debit card. And for sending me a check book with checks for my new checking accounts that Citibank isn't honoring. being assest overdraft fees of {$39.00} per overdraft transaction XXXX though Citibank never covered none of my transactions. Checks ice written. Nor bills give paid. All I get is put on hold transfered rep to rep. Hung up on. Or givin different numbers to call which all was a waste of time. I wasn't to know why I have a balance w Citibank bank when they never honored nothing they offered me. Nor that i was approved for. What are my rights as a consumer that's being taken complete advantage of me as a new Citibank Checking account Gold plus w overdraft line of credit foe personal use.
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| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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RE : Citi Predatory False Claims of Late Fees During Pandemic, and False Reporting to All Credit Agencies The following has been by far the most unethical scenario that my family has ever experienced with any creditor. I opened a Citi credit card at Home Depot in XX/XX/XXXX, account # is XXXX. Citi sent out our credit card and statement to the incorrect address, in a different town. We called looking for the card in XX/XX/XXXX. Citi admitted erroneously sending the card and statement there. Both were in fact returned to them by the US Post Office. To date, we never received the card, FYI. Our first statement didn't arrive at our correct address until XX/XX/XXXX, and it included many late fees, which confused us. First of all, we had a 6 months at 0 % interest Citi card. But regardless, Citi had never sent the statement or card to the correct address. Moreover, they had refused to allow us to pay the bill by phone because we did not have our account number. We did not have the account # because we had not received the card or statement because Citi mailed the card to the incorrect address!! In XX/XX/XXXX, we received our first statement from Citi. Despite having lost my job due to the pandemic, I immediately paid the principal amount that we were told we owed -- - {$3200.00}. ( I can provide proof of payment. ) I was told by Citi at that time that I did not need to pay the erroneous all late fees. Citi told me that they would delete the fees because it was THEIR error. However, instead, they continued assessing monthly fees totaling {$1800.00} in late fees and interest on late fees. All illegal fees. For more than a year Ive been dealing with this financial catastrophe. We've called and called and written religiously since last summer trying to sort this out. Despite all of our efforts, complete lack of culpability, and Citis promise to work it out, Citi did nothing. They closed the account, sent it to a collection agency, which reported this on my credit as " charged off as bad debt '' -- again see attached -- and canceled my account, with massive credit repercussions to me. My wife and I both lost jobs due to the pandemic. Ive now lost a badly-needed job prospect due to my credit going down more than 100 points because of Citis false reporting. I intended to refinance our mortgage to lower monthly payments, which we desperately need to keep our home. ( There have been weeks we could not afford groceries. ) I cant do that now because of Citis false reporting to credit bureaus. Its a nightmare. And its massively compounded stress to our family, including our XXXX-year-old child with XXXX XXXX, during what can only be described as the worst year in our adult lives. It's predatory. None of this should ever have happened, or gone this far. I filed a 2nd complaint with the Consumer Financial Protection Bureau This is horrific business malpractice toward a middle-class family just trying to make basic ends meet during a pandemic. {$1800.00} in illegal late fees. This amount of money may be nothing but a nice bottle of wine to Citi CEO XXXX XXXX, but its a great deal of money to us. It's completely outrageous that Citi would illegally take advantage of ethical, hardworking middle-class consumers such as us, and when we're already financial victims of the pandemic. I I provide evidence for all of this.
Attached is proof of : 1 ) My unemployment due to the pandemic ; 2 ) proof of the payment I made to Citi as soon as my first statement arrived ; 3 ) my credit report, proving Citi began reporting me for non-payment only a month after I opened the account, despite the fact they hadn't send me a statement or card.
Again, Citi failed to send me a statement until XX/XX/XXXX. ( Again, to date, they've never sent the card, which they send to the wrong address and for which they admitted culpability. ) Again, they refused to allow me to pay by phone or online without my statement or credit card, sent to the wrong address, to which they admitted culpability. Again, they also refused to give me my account # over the phone, so I could not pay until the statement arrived in XX/XX/XXXX.
It's all predatory and illegal.
Sincerely, XXXX XXXX
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| 11/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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|
Web |
Older American |
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On XXXX XXXX, I received a text message from what I thought was my bank, Citibank, saying : [ CITI-ALERT ] : We blocked your debit due to unusual activity. Verify now to gain access XXXX XXXX XXXX The # used for the text is ( XXXX ) XXXX XXXX ( a Florida # ) I believed it was legit because Citibank has centers all over the US.
I logged in with my computer and was sent to what seemed to be a very legitimate looking Citibank site, where I was asked to enter my banking details. I became suspicious when the site asked me to enter more details on a second page and logged out. Unfortunately, it was too late and they had sufficient material to hack and empty my bank account When I logged out, I called immediately the # I have for Citibank Business Accounts and was told that, being a Sunday, I had to call the next day during business hours.
The next day, Monday XXXX I got a text from my cell phone provider congratulating me on my new phoneI realized that something was wrong and took the appropriate steps to secure my phone #. I then checked my bank account and saw that there was a XXXX transfer of {$950.00} and a wire transfer of {$31000.00}. I called again the Citi Business Accounts # and was told that being a wire transfer, I had to call Citi Wire Specialty Services ( CWSS ). I did and got a recording that they were open only M-F XXXX XXXX XXXX XXXX XXXX ( I believe ). It was too late...
I called at XXXX ( XXXX XXXX ) Tuesday XXXX to insure I would be first in line when they open and after a long wait ( already at XXXX! ) was finally able to talk to someone who referred me to a supervisor ( after another long wait ) who was able to hear me and take my case ( case # CIT XXXX XXXX XXXX ) The supervisor at CWSS was able to tell me that the wire transfer went to a XXXX bank account with the XXXX XXXX XXXX, to a person named XXXX XXXX XXXX XXXX # XXXX '' ( per my bank statement ) She also told me to file a complaint with OC3 and my local law enforcement and to call her back with the case # XXXX.
OC3 does not give a # but I have the transcript and the XXXX County Sheriff Dept. case ID # is XXXX XXXX, signed by officer XXXX XXXX badge # XXXX.
I had the hardest time calling back CWSS to give the report #. It took 5 calls, each one with at least a XXXX wait and a couple disconnections before I could talk to a human being that took the reports # at XXXX. They were getting ready to close and no action occurred consequently. Meanwhile the scammers, who knew about the time zone differences and the sclerosed banking procedures, had plenty of time to go withdraw the money Having been told that the inquiry into this could take 60 to 90 days, I had no choice but to wait patiently past 60 days to start inquiring about this issue.
Meanwhile, having called XXXX, I saw a quick and favorable action from the service. They sent me a letter dated XX/XX/XXXX, acknowledging the complaint and I was refunded the {$950.00} on XX/XX/XXXX.
I have never received any correspondence from CWSS or any other service regarding the fraudulent wire.
Every phone calls I had to do resulted with hours of wait time, disconnections after being transferred or me hanging up by frustration and fatigue. I have all my calls documented in my call log to prove this.
At this stage, I feel like I have been let down by Citibank.The bank failed to provide sufficient security to prevent this fraud. I can not believe that such a large global bank like Citibank does not have a XXXX fraud call center, able to intervene quickly...
I have been a customer for over 20 years and have NEVER transferred money by wire, even onceSuddenly, a wire emptying my account did not raise a flag? Nobody thought about double checking the validity of this transaction? And after this happens, nobody has contacted me to inform me of the status of this case? I have to endure sickening wait time to try to find out and end nowhere?
At this point, I feel like I have no choice but to go outside the bank to whatever regulatory government agency is out there to get helpThe bank has denied my claim for reimbursement, based on the fact that I provided my information voluntarily...
Thank you!
XXXX XXXX
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| 04/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I booked a group vacation with XXXX based, XXXX XXXX XXXX XXXX on XX/XX/XXXX and I was scheduled to travel to XXXX XXXX with them on XX/XX/XXXX ( all dates are in XXXX format to match with the emails & receipts ).
I made two payments using my CITIBANK credit card ending XXXX : XX/XX/XXXX - USD XXXX XX/XX/XXXX - USD XXXX *Please see the attached XXXX XXXX receipts of payment with the confirmed date of trip XXXX XXXX postponed my trip via email in XXXX due to Covid travel restrictions.
*Please see the attached email postponing my trip due to Covid-19 *Please see a follow up email on XX/XX/XXXX where XXXX XXXX gave me the option to transfer my trip to a XXXX date, when Covid would allow me to travel. I selected a new date of XXXX of XX/XX/XXXX.
*Please see the attached email clearly showing that my trip was rearranged to XXXX of XX/XX/XXXX.
*Please see the attached receipt with my new trip date of XXXX of XX/XX/XXXX.
XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for.
*Please see the attached email sent to me by the insolvency practitioners, XXXX on XX/XX/XXXX, informing me of the administration.
Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy.
I attempted to open up a chargeback dispute on XX/XX/XXXX using the Mastercard chargeback code : XXXX for credit - Merchandise services not received.
XXXX XXXX merchant acquirer XXXX challenged my dispute with Citibank on the basis that I may have been told that I was protected by XXXX XXXX financial failure insurance on their XXXX XXXX XXXX which is incorrect.
*Please see the attached XXXX XXXX XXXX that are relevant to my booking which clearly show that insurance was in place for XXXX customers only.
I am told that the financial failure insurance was always in place for XXXX XXXX customers but from XX/XX/XXXX XXXX XXXX were able to insure every customer globally and they changed the XXXX XXXX XXXX to reflect this on XX/XX/XXXX. As I booked before this time, I am not insured or protected by any other method. I am told that Citibank was shown incorrect evidence by XXXX which includes a screenshot of the new XXXX XXXX XXXX ( after XX/XX/XXXX ) and its from the XXXX website - not the XXXX website which I booked from.
When the challenge was flagged by my bank, they should have given me an opportunity to show them evidence that clearly shows that I am not insured. I would have been able to submit the XXXX XXXX XXXX relevant to my booking which clearly shows that the financial failure insurance was for XXXX customers only. I would have also submitted a flowchart provided the insolvency practitioners, XXXX which was sent to all XXXX XXXX customers. XXXX informed me that this flowchart was agreed and approved by XXXX themselves. Please see the red box in the bottom-left corner clearly showing that the insurance is for XXXX customers only.
*Please see the flowchart provided by XXXX If required I can email the financial failure insurance company, XXXX to get a rejection letter from them but I am informed that a reply will take some time so my bank will need to keep the dispute open whilst I wait for the inevitable rejection response.
I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund ( see flowchart ). The XXXX Government backed XXXX XXXX XXXX are advising me to do the same via this letter XXXX : XXXX For your reference : The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In my case this date should be my new trip date of XXXX of XX/XX/XXXX. Alternatively, they may use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX ).
Mastercard state that on chargebacks there is normally a 120 day limit, but this can be extended to 540 days if the services were to be provided at a future date. So, for example, a holiday.
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| 08/06/2019 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Can't close your account
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Web |
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Hi- I opened a Citibank Accelerate Savings account # XXXX on XX/XX/XXXX. I initially linked a Checking account to fund the account with {$500.00}. I verified this account with trial deposit information.
Later on XX/XX/XXXX, I requested to add 3 additional savings account for external transfer ( CIT Bank, XXXX XXXX and XXXX XXXX XXXX ). On XX/XX/XXXX I verified these accounts via trial deposit for transfer and they were enabled for external transfer. Once the accounts were enabled for transfer I requested a transfer of {$15000.00} from CIT Bank {$150.00} from XXXX XXXX On XX/XX/XXXX Citi Bank attempted call me at XXXX with a potential fraud concern and left me a voice mail and I called them back at XXXX. On this call the representative routed me to the security department and they verified my identity, they confirmed that the both the account with the transfers belonged to me. They informed that they wou d need to verify my account with CIT Bank through a 3 way call with CIT and they would call me back and I should stay near my phone. Before I made the call they went ahead and cancelled my {$15000.00} transfer from CIT Bank and suspended my ability to make interinstitution transfers ( both at XXXX ). The {$15000.00} had been debited from CIT bank on XX/XX/XXXX ( per CIT Bank posted transactions ) by Citibank.
On XX/XX/XXXX, As I did not receive a call back from Citibank I contacted them again at XXXX. During this call again a rep verified me and passed me on again to the security team, the same story again that they would need to verify my account with CIT bank and they cant do it while on the phone and that they would need to initiate the call. I told them I was unhappy about the fact that my money was debited and they cant tell me how or when they can resolve the problem. They promised to call me back quickly and asked me to keep my phone close to me. I did not receive a call back. I was genuinely worried about the missing {$15000.00} and kept checking my accounts daily to hoping that there was a resolution.
On XX/XX/XXXX, I saw a pending return transaction for {$15000.00} on CIT bank and then I again contacted Citibank at XXXX to ensure my account was put back in good standing. This time the rep I spoke with was more understanding, but said until the return transaction is confirmed they cant remove the block on my account, but once this return is confirmed that should automatically verify the account. And he expected it to happen the next day. I received an email from Citibank on XX/XX/XXXX at XXXX XXXX informing me that my inter institution transfer was restored. I immediately initiated a same day transfer out for the {$650.00} in the account to XXXX XXXX XXXX account with the intent of closing the Citi account once the transfer was complete. This was posted to the XXXX account on XX/XX/XXXX.
Citibank account still continues to show this transaction as in progress when I checked on XXXX. I called Citibank on XXXX to close my account and they put me on hold for 25 minutes while they researched and came back and informed me that my account was on hold and they need to verify my CIT account again. They will be unable to close my account without verifying the CIT bank account. I informed the rep that I did not have a pending transaction with CIT bank and since I am not interested in continuing my relationship with Citibank they don't have to worry about verifying the CIT Bank account for funds transfer. The rep informed the only way i can close the account is by calling next day and verfying the CIT Bank account.
I am worried that Citibank is going to use this as pretext to reverse the {$650.00} in progress transaction with XXXX XXXX and keep this account perpetually open or keep charging me monthly fees. They also left the {$15000.00} in settlement account instead of crediting my account, putting it on hold while they verified the account and paying me the promised interest. I would like CFPB to help escalate this complaint and close this account. Also I would like Citibank to compensate me for lost interest and time over the past two weeks trying to resolve this entire situation over the past 2 weeks.
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| 04/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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THIS IS THE SECOND TIME I AM FILING A COMPLAINT WITH THE CFPB BECAUSE CITIBANK HAS FAILED TO ISSUE A CREDIT AS PROMISED. In your XX/XX/XXXX response to my first complaint on, Citibank said they would issue me a credit of {$44.00} by my next statement which I have not received. I contacted the phone number of the letter and it is fake. Please read below and attached documentation. If the credit is not issued this time, I will seek legal counsel.
I am writing to you to dispute this charge. On XX/XX/XXXX, I went on a website called XXXX and purchase a supposed XXXX jersey for my husband. I checked out the website and they had a XXXX XXXX, California address so I felt comfortable making this purchase. Immediately after I made the purchase, I received an email confirmation from XXXX for a purchase from XXXX XXXX XXXX XXXX. Right then, my alarm bells went off? Who is this person? I purchased a jersey from XXXX XXXX. I began XXXX the companys website and multiple sites came up saying that this was a scam. Embarrassed, I prayed I was wrong and the item be real and arrive. A few days later, I received an email with a tracking link and I began tracking it. The shipment was stalled for weeks. On XX/XX/XXXX, I wrote the company and requested an update. They responded with a tracking link from yet another company name, XXXX XXXX. I was puzzled as to what was happening. I XXXX XXXX XXXX only to find they had taken down the website. I began to panic. On XX/XX/XXXX, I noticed the package had arrived in New York. I again emailed the company and was told it would reach me soon. When the item did arrive on XX/XX/XXXX, I opened it and began to cry. It was 100 % counterfeit. ( please see attached photo ). The yellow lining was multiple different colors, the XXXX logo on the collar was fake and it looked as fake as possible. I immediately emailed the company and notified them that the item looks fake and requested a refund. I have never heard back. Immediately, I filed a dispute with Citi Bank. I have attached my email logs, XXXX receipt, my initial email confirmation from XXXX XXXX and a photo of the jersey. If you look for the companys website XXXX XXXX, it does not exist. This company is a fraud and they scammed me. Please do not let a confirmation receipt on their part suffice as evidence as they have used multiple email accounts, the website no longer exists, many people online have complained about being scammed and they produced a counterfeit item which is illegal. Finally, these people ripped off people during the holidays. I am a hard working mom who was buying a XXXX present for my husband. It is sad and upsetting. In XXXX, I filed a complaint with Citibank. I was asked to submit documentation to demonstrate that the jersey was counterfeit and the company was a fraud, which I did. I received a letter from Citibank dismissing my dispute. I called and complained. On XX/XX/XXXX, a Citibank representative told me he spoke with his supervisor and would credit my account {$40.00} to make up for the fraud charge. As upset as I was not to receive the entire amount, I accepted. I was told I would receive the credit within 72 hours. After 72 hours had passed, I checked my account and saw I was not credited the funds. I contact Citibank via online chat ( photo attached ) and was told " not to worry '' the Monday would be there shortly. Again, I never received the credit. I again contact Citibank via online chat and was again told they would inform their superiors via email of the pending credit and should receive it. Again, I never did. After waiting twice for two hour hold time and then being disconnected due to long wait time, I finally poke with someone who told me they would file a fraud charge on the card and it would be escalated for review. At that time, the representative changed my card number.I received a letter rejecting the dispute claim before I have even received my new card. It is like no one is actually reviewing my documentation of the fraud! To date, I am let angry and frustrated with the handling of this fraud by Citibank. I have not had my dispute taken seriously or receive the {$40.00} credit as promised.
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| 05/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I hired a contractor to install an epoxy floor in my basement. On XX/XX/XXXX, ( after being paid in full ) the contractor refused to finish the floor, honor the warranty, or provide compensation for the damages he caused to my bathtub and concrete patio. The payment to the merchant was split up into two separate transactions, so I disputed both charges with Citi on the same date ( XX/XX/XXXX ). My dispute numbers are XXXX and XXXX. Citi handled these disputes completely differently, and this dispute is regarding the way in which Citi has handled dispute # XXXX. On XX/XX/XXXX, I received an email stating that they received the dispute XXXX, this email made no requests for information or even a detailed reason for my dispute. The next email I received came on XX/XX/XXXX. It said that they contacted the merchant and would let me know if they needed anything further. This is in stark contrast to the notice that was sent to my account on XX/XX/XXXX for the other dispute ( XXXX ) which requested a detailed account of the transaction as well as the reason for the dispute and documentation from an expert concerning what was wrong with the floor. I reached out to Citis dispute department via phone on XX/XX/XXXX. I expressed my concern that I hadnt been asked to provide any information for the dispute in this complaint # XXXX. I was told that I could send the information via email and that it would be attached to my dispute. I sent all of the information that was requested for the other dispute in for the dispute in this complaint # XXXX on XX/XX/XXXX. This information included statements from 4 different experts regarding the issues with the floor, a transcript of all the text communication between myself and the merchant ( including the text where he stated that he would not be honoring the warranty ), all email communication, the contract, warranty, terms and conditions, photos of the issues with the floor, and a detailed account of the reason for my dispute. All the information that I sent was the same that was sent for the other dispute, however on XX/XX/XXXX, I received a notice in my account stating that the investigation for the dispute in this complaint ( XXXX ) had been closed based on the information they had available. The notice stated that if I wanted to continue the dispute that I would need to return the signed letter as well as a review from a similar merchant saying what was done incorrectly and proof of what was expected vs. what was received. I contacted Citi dispute customer service again via phone on XX/XX/XXXX. The agent looked into the account and verified that all the required documentation was there. He told me that he would be making a note on my account so that the investigator would look back and find the information. He instructed me to send in the signed letter via email and write a note explaining that the information had already been sent. I called back in and spoke with another agent to verify that this was all that was needed, and on XX/XX/XXXX, I sent in the signed letter with notations as instructed. I contacted Citi dispute center again on XX/XX/XXXX to make sure the letter was received and to verify that nothing further was needed and was told that everything was as it should be. However, on XX/XX/XXXX, I received a notice in my account stating that my dispute had been reviewed and that they would not be able to assist because they did not have a letter from a similar merchant stating that the work performed by the original merchant was incorrectly or unnecessarily performed. I provided statements from 4 different similar merchants stating what was wrong with the floor and why it needed to be redone. On XX/XX/XXXX I received a notice in my account for the other dispute ( XXXX ) stating that they were continuing to try to obtain a permanent credit. Both disputes are for the same service and I have provided all of the same information. I do not believe the dispute in this complaint ( XXXX ) is being handled correctly. I have provided all the necessary and requested information in a timely fashion. The investigation into this dispute should have never been closed. The dispute # is XXXX
|
| 05/16/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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Approximately from XXXX-XXXX I visited the Citibank branch XXXX XXXX. XXXX XXXX XXXX , NV XXXX on XX/XX/XXXX.
Ms. XXXX, A temporary manager asked me confidential questions about the history of my net worth. The questions were evasive and I just informed her that I worked hard but she became demanding and then I informed her that it was confidential because I realized that she did not show me documents that required the information she was requesting according to any Citibank Policies and Procedures or the Patriot Act or even the IRS. Her questions were personal and I found them uncomfortable after I answered once and she demanded a different answer. I believe this may have set her off her pattern of disturbing ways of behavior and inability to answer questions.
I was informed by a temporary Branch Manager XXXX XXXX NMLS ID : XXXX that she refuses to open a business account for my company because my driver 's license did not match the company address. I explained to her that my driver 's license would never match the or a corporate address. I had never hear this in my life as a former XXXX 19 years ago and a former XXXX XXXX of the Federal Reserve. I attempted to ask her to clarify for me why I could not use a physical United States mailing address that I have established to receive personal mail if I need to because I am a XXXX. She began to repeat back to me what, " I did not state, '' but that she has worked at Citibank for 18 years ; Which was irrelevant. She began to respond in a sloppy and aggressive manner and repeat the mentioning of the Patriot act as though I was not American and then she voided the Patriot act and stated Citibank 's policies and procedures super-cede the Patriot act and, " now, '' that is why she can not open the account.
She began to recite this over and over but she was not competent to answer my questions as though being a XXXX was illegal. I informed me that being a XXXX is not illegal and I still do not have proper clarity for her reasons. XXXX XXXX became aggressive and shouted roughly and sternly that I was becoming combative, yet I had not raised my voice, my tone was clear and distinctive and firm. She was getting ready to state that she was going to call the police and I stopped her in astounishment by telling her I was a Millionaire and I understand policies and procedures. She began to bit her lip and walked two feet towards me with stern burning eyes in an attempt to intimidate me, yet she could not answer my questions. I asked her how are people and associates I have met who have 20 plus million and live as XXXX able to have accounts at Citibank and use their mailing address. She still could not answer my question, clearly. She walked another foot closer to me as though she had an anger problem, yet she was trying to remain professional. I could see that this lady had power control issues. She was attempting to dominate not the account opening but, me. I stopped talking and asked for her card. She then looked shocked. I tried to talk to the banker whose card was left on the desk after the manager walked away ; However she rudely threw her hand up at me, it appeared in defense of her manager. It was very disrespectful. I took the card and departed.
" XXXX XXXX violated the Fair Lending Act of 1974. '' Ms. XXXX is a XXXX woman and so am I but I am certain if I were a woman of different ethnicity that the account would have been opened with no problem and the thought of unnecessarily calling the police on me would never cross her mind. She did completely state she was going to call the police I could see it rolling off of her tongue in my attempt to redirect her behavior and the purpose for my visit I did attempt to only receive clarity according to all of these policies she kept mentioning and could not explain. This does not sound like a Branch Manager of 18 years I am assuming that she just became a branch manager and came from another part of Citibank.
I immediately went right across the street to XXXX XXXX and opened a temporary account as they stated that a business address was sufficient after simply calling a particular department about me being a XXXX.
|
| 11/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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I am a victim of XXXX scam. I received a text and a phone call on XX/XX/XXXX, XXXX ( XXXX XXXX ) from a scammer posing to be a citibank employee claiming to help dispute an unauthorized charge on my checking account. It resulted in opening 2 new checking account and getting unauthorized approval for a personal loan of {$7800.00} ( I received citibank emails confirming these processed within minutes ) which then the scammer transferred the entire loan amount and about {$1900.00} of my personal fund from those checking accounts to another account via XXXX transfer resulting around {$10000.00} of transfer. I have already filed previous complaint regarding fraudulent loan approval ( Complaint number : XXXX ) and fraudulent openings of 2 checking accounts ( Complaint number : XXXX ). This report is regarding multiple fraudulent transfer of money.
Details or transfers will be found in provided screenshot attachments. 1 transfer under checking account ending with XXXX, 1 transfer under checking account ending with XXXX, and 6 transfers/transactions under original account ending in XXXX which I have used since the first opening of citibank account XXXX I believe ) more than 10 years ago created in New Jersey XXXX
After realizing the fraud/scam/breach, I started contacting Citibank customer service immediately around XXXX ( XXXX XXXX ) and informed the bank of the situation. I was working with " XXXX '' from " unsecured lending account department '' which she relayed the info and transferred me to " security department. '' This representative transferred me to another department which I was informed that they processed " blocking '' of all citibank checking accounts and loan accounts under my name, and informed me that the " investigation department '' will contact me for further guidance. I asked multiple times that since " all the charges that were made on this day XX/XX/XXXX are result of fraudulent process and it is shown as PENDING on the bank account '', if they can reverse or cancel the XXXX or loan process charges made this day. They informed me that the while the account is " blocked '' that would prevent those accounts from further transactions, but they will keep the account for the investigation team to collect information from. The call between citibank and myself lasted 47minutes. After quickly leaving my work and preparing myself for further follow-up actions, I contacted Citibank again at XXXX ( XXXX time XXXX at home to verify and inquire more about what I can do. The 1hour 18minutes of phone call with the Citibank representative repeated the same information informing me to wait for the investigation team to contact me back, and that they have block all related accounts under my name. They also recommended me to open a new checking account so that the refund money can be easily transferred back to me when the dispute is settled which I complied to. I asked them how can I be sure of that the process/action has been made, and the representative informed me that I would be getting the communication via my email or mail. At XXXX, without the mentioned confirmation email of the action against this fraud report sent to me ( I did received an email from Citibank for opening up my new account though ), I contacted the customer service again to verify and to request a written/documented confirmation of the events of this day. The representative repeated the same information mentioned above saying that all accounts are blocked and I should wait for their team to contact me back. I asked again since the XXXX payments were all in " pending status '', if that will be reversed or not processed. At that point, the representative informed me that the XXXX payment will not be processed answering my specific question.
I am reporting that I have NOT received any follow up email from Citibank regarding this fraud that I am experiencing. My online banking is " locked '' from laptop access, but I can still access it from my smartphone and I will report individual charges to CFPB as recommended from the website. Please contact me for any information or recommended actions that I can take from my side. Thank you.
|
| 11/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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In XXXX we paid XXXX XXXX XXXX monthly money to help with the upkeep of my credit report. It was then when the credit report company alerted me to a debt on my account by XXXX XXXX. Please see credit report attachment. I had found out that this was for a debt that is not mine, I then challenged it with the credit reporting agency and it was removed. I then filed a police report with the city to document that this was done. I believed that in XXXX my issue was resolved.
My bank account was frozen in the XXXX of XX/XX/XXXX. I was surprised and when I called my bank they said there had been a garnishment. I had no idea what to do or how to fix it, especially because I struggle with English which makes an additional barrier.
I then received a letter in the mail which has a copy of the garnishment. This was the first time I had heard of it or seen the paper. I was so upset that no one told me about it or warned me.
I then called the number on the garnishment paperwork. I had never known there was a court date or a garnishment until I saw this paper. I called XXXX EXT XXXX, and talked to XXXX. I told her this is not my debt. They said I have to pay and asked how much I make a year. I kept telling her to give me proof that this is my debt, provide me proof, why did you guys do this when I already told you this was not my debt in XXXX. All she kept saying is that I have to pay and it doesnt matter that it is not my debt I still have to pay. The conversation went in circles and she never answered my questions on why they never alerted me to a court date, why they can not provide me proof that this is in fact my debt.
I kept calling back for days and no one answered.
I was able to talk to someone for a second time on XX/XX/XXXX. I asked her to give me verification of dates, provide me proof that this is my debt, I need a copy of verification of the debt to see if this is a valid debt and if you do not provide me proof you are breaking the law and I have a right to sue you. She then said o yes of course and sent me the judgement against me with no proof of what they are claiming or where the debt started.
From my investigations, I have found that originally there was a debt that started in XXXX and Citi Bank owned the debt. Later they sold the debt to XXXX XXXX. In XXXX I informed XXXX XXXX this was not my debt and believed the issue was resolved.
Later they went after me knowing this was not my debt and garnished my wages.
This is an unfair practice against Washington residents. I do not know what can be done to help us and this is why they continue to do this. They take money from those that can not pay and those that do not speak good English. This is a predatory practice against certain Washington residents like me.
I feel like there is nothing I can do but pay a debt that is not mine and this is not fair. Credit agencies should not have this much power to take away from people without proof of the debt. This debt is not my debt and they refuse to provide proof.
I do not speak strong English and was able to find a person who could translate my complaint so I could submit this to your office. If it was not for this person in the community who informed me that I could submit a complaint I would not have known this is an option. This is why these companies get away with taking advantage of Washington resident like myself, because many of us do not know what to do or where to turn.
This has caused much hardship in my life. It also has cause our family a great amount of stress. We have not been able to sleep. We feel so unsafe at home because we were told that XXXX can take our property, our cars, or what ever they like to satisfy a debt that is not mine. I feel unsafe and scared each day. We have no peace knowing at anytime they can come and take our property. It has caused a lot of problems in my marriage and emotionally with my wife and I. My family, my wife, and I worry everyday. My credit has been low because of this false debt and now since the garnishment my credit has gone lower. I have lots of anxiety now that makes my day to day living vary difficult.
I need help and I hope that you can help me.
|
| 11/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
|
On XX/XX/2018, I pre-scheduled a payment online with my computer in the amount of {$890.00} ( In Error ) and a second payment in the amount of {$840.00} to bring this account current. Due to me having to care for my ill Father ( XXXX XXXX XXXX Military XXXX of The XXXX XXXX ) at the Veterans Administration Hospital in XXXX, North Carolina from XX/XX/2018 up until the date of his passing death on XX/XX/2018 at XXXX XXXX as his XXXX XXXX. I was in good faith and effort trying and wanting to make this payment with the funds my Father left for me. As result, the computer application PAYMENT PROGRAM WOULD NOT ALLOW ME TO DELETE OR CHANGE THE PAYMENT AMOUNT OF the {$890.00} PAYMENT THAT I SET UP IN ERROR. Therefore on XX/XX/2018, I called and spoke with a Sears Citibank Call Center Representative to assist me and have this specific payment removed from the system by way of cancellation. She stated that she would cancel both payments and schedule a new payment over the telephone with me since she was talking and speaking with me today.
I told her No, that will not be necessary. I did not want to make a payment over the telephone since I already had one pre-scheduled in the system already to post against my check account today in the amount of {$840.00}.
Long story short, according to my XX/XX/2018 billing statement a PAY BY PHONE XXXX, IL transaction in the amount of {$840.00} was made. This was also the information shared with me by the Sears Citibank Call Center Representative.
On XX/XX/2018, I went to the bank only to discover that my Sears payment scheduled for XX/XX/2018 in the amount of {$840.00} did not go through electronically as authorized and requested. Also, as evidenced by my bank statement and bank teller, payment did not go through on bank receiving end.
As a result, I spoke with several more Sears Citibank Call Center Representatives with the last one being named XXXX ID # XXXX, after asking to have my call escalated to upper management on XX/XX/2018 ( XX/XX/XXXX Holiday ). XXXX told me that there was in fact a COMPUTER GLITCH and that the computer held onto my payment until XX/XX/2018 and tried to process the payment. Then again she stated on XX/XX/2018. Therefore, causing my account to sustain overdraft fees, and for me to fax in a copy of my bank statement for reimbursement and refund of the fees plus faxing fees in the total amount of {$29.00}.
I always got reminder calls if I was a day late or if my account due date was near by previous Sears Call Center Representatives. Why was I not notified 7 to 12 days later that the COMPUTER WAS TRYING TO MAKE A PAYMENT FOR ME ON MY BEHALF? This is the information shared with me and what I was TOLD, by the Sears Citibank Call Center Representative. A COMPUTER GLITCH OF TAKING A PAYMENT WITHOUT MY AUTHORIZATION OR PERMISSION, AS A DRAFTED POSTED PAYMENT FROM MY CHECK ACCOUNT. I could have mailed a Certified Check on XX/XX/2018 quicker and faster 7-10 USPS time, than this payment, I requested to be made on XX/XX/2018 that was never made.
In conclusion, due to this COMPUTER GLITCHING PAYMENT PROGRAM, and SEARS CITIBANK CALL CENTER REPRESENTATIVE COMBINED on XX/XX/2018, my credit rating score has dropped significantly by 80 points. My Sears Department Store Credit Account XXXX was prematurely closed and my bank account that I use solely for this purpose of paying this credit card was Overdrafted for the very first time in 6 years. In short, since being established. NOT FORGETTING TO MENTION, The Sears Citibank Call Center Representatives telling me, XXXX XXXX you did not have any money in the bank on the date XX/XX/2018 that this payment was to be drafted, playing on my intelligence, and intellect.
Adding insult to injury, I am in the process of purchasing a family home with the assistance of the military. I need my Credit Score Rating Restored as well, also for employment as a Freelance Public Trusted Federal Government Accountant Consultant.
What is insignificant to you, is important to me. Reason being, I do not want this eventful situation to happen ever again, to myself, or to anyone else entrusted to Sears and Citibank as a loyal customer.
|
| 11/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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On XX/XX/XXXX, I awoke to find a message from my credit card company, Citibank, it indicated that it detected possibly fraudulent charges on my credit card. I immediately called Citibank and they closed my account and sent me a new credit card. The charges are from a company called XXXX XXXX XXXX XXXX XXXX XXXX. The charges totaled {$12000.00}. There were 4 charges for {$2500.00}. {$2500.00}, {$2000.00} and {$5800.00}. These were all fraudulent charges.
These were charged in the XXXX XXXX XXXX XXXX to a company in New York ( I live in Colorado ). These charges were NOT unauthorized by me and I have never heard of this company and did not receive any goods or services from this company. XXXX XXXX XXXX does not have much contact information via phone or email online either. The only information on this company I found is the following and is a fairly new company according to the details below : XXXX XXXX XXXX. is a XXXX XXXX XXXX XXXX XXXX filed on XX/XX/XXXX. The company 's filing status is listed as Active and its XXXX XXXX XXXX XXXX
The Registered Agent on file for this company is XXXX XXXX XXXX and is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company 's principal address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The company has 1 contact on record. The contact is XXXX XXXX XXXX XXXX XXXX XXXX
After the charges on XX/XX/XXXX occurred, Citibank closed my credit card and opened a fraud case. On XX/XX/XXXX, I received a letter from Citi stating that I was liable for the charges since, I provided my account number for the transaction. However, I NEVER provided my account number to XXXX XXXX XXXX I disclose to Citibank that I authorized XXXX to charge my account for {$1.00} on XXXX but not I did not authorize XXXX XXXX XXXX to charge my account for {$12000.00} on XXXX Citibank is saying that since I gave my credit card information to XXXX I am responsible for the charges to this XXXX XXXX XXXX because I authorized the transaction, but this is false, I did not authorize this company to charge any money to my credit card, therefore, this a fraudulent activity.
To be crystal clear, I did not authorize XXXX XXXX to charge my credit card, I have never heard of this company, I did not receive any goods or services from this company, there is no contact information to call or email information for this company either.
Once Citibank deemed the charges " authorized '', they said these were not fraudulent charges and that I was responsible to pay for the total charges. I then spoke to Citibank and they told me to call their Credit Dispute department as my last resort. The Credit Dispute department was confused and said this was actually fraud and so I told her Citibank closed the fraud case and my last option is Credit Dispute. So, on XX/XX/XXXXXXXX Citibank opened a dispute case and grated me conditional credit for the charges.
On XX/XX/XXXXXXXX Citibank asked for additional information on for the transaction that was {$5800.00} and I sent them the information they requested. On XX/XX/XXXX Citibank sent me a letter stating they have completed their investigation and I am responsible for the {$5800.00}. When I called the Citibank Dispute department to ask why this case was completed, they said that Citibank requested information, received it ( email attached is the confirmation ) but did not review the letter I sent for some reason, so I need to resend a letter with information regarding the charges. The Supervisor I spoke with said he would try to send the letter again and offer me a conditional credit for the {$5800.00} ( this has yet to happen ). He also asked me to send the letter again to the dispute center, which I did via email. He was not clear why the letter with additional information I sent was not reviewed or proceed by their review team.
At this point there is a charge for XXXX XXXX on my credit card for {$5800.00} and I have been trying hard to work with Citibank and their representatives. Citibank has been deceptive in stating that I gave my credit card information to this company, when I did not and I have been very clear that I have no connection to this company, XXXX XXXX XXXX
|
| 08/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I opened my account with Citi Bank on XX/XX/2022. I did an automated balance transfer of {$700.00} to my primary bank account with XXXX XXXXXXXX XXXX on XX/XX/2022. It was stated in the " Terms and Conditions '' that the balance transfer would take 3-5 business days to appear. I was not asked for a routing number, only the account number. The balance transfer was " posted '' on XX/XX/2022 as " XXXX XXXX XXXX ''. I reached out to CITI bank to confirm how long it would take for the transfer to show up on my XXXX XXXX XXXX account, I was told that Monday-Wednesday ( XXXX XXXX XX/XX/XXXX ). I also told the representative that the statement showed " XXXX XXXX XXXX '' but the account is at XXXX XXXX XXXX and the two have no correlation. I was told BY THE REPRESENTATIVE to " IGNORE '' the fact that my statement said " Discover Personal Loans ''. I also checked if CITI had the right account number and the representative confirmed that CITI did the transfer to the right account number. The balance did not appear by XXXX, XXXX, so therefore I gave CITI a call and was told by one of their representatives said that I would see the transfer most probably by tomorrow ( which was Thursday, XX/XX/XXXX ). Once again I double-checked if CITI had the right account number and once again, the representative confirmed that CITI did the transfer to the right account number. And I was told they would open an investigation. I did not see it on XX/XX/XXXX, so I gave CITI a call once again and the supervisor spoke to me stating that they would open an investigation regarding where the money is. I was also told to call XXXX XXXX XXXX to let them know that CITI bank would be giving them a call, so I called XXXX XXXXXXXX XXXX to let them know and ask if they see a transaction of any sort and was told " no '' by XXXX XXXX XXXX. I called back on XX/XX/XXXX just to ask if there were any updates and if CITI have XXXX XXXX XXXX a call and they never did. I was told by the supervisor that NO investigation was opened. He stated that he would open the investigation now. I was told I would receive confirmation through email or via mail. I received nothing. I called on XX/XX/XXXX, and I was told by the supervisor that they can not call XXXX XXXX XXXX because it's my bank, so I gave XXXX XXXXXXXX XXXX customer service through CITI bank 's supervisor and the supervisor hung up. Simply said nothing but hung up. I called again and they did not seem serious about the issue and told me to wait for the investigation to be complete for 14 days. I was told again I would be sent an email for confirmation but received nothing. I gave them a full 14 days and called CITI today ( XXXX ) and I was told the investigation is still in process and to wait 14 MORE DAYS because that's how long it takes for an investigation to process. I explained to them the whole situation on when it was started and I was told they started the investigation on XX/XX/XXXX. The supervisor said that they have no information for me. The supervisor raised his voice at me and accused me of " not listening to him '' when I asked what have they been doing since XXXX, XXXX. I told them to at least take the {$700.00} off my bill because I'm not responsible for that and since it is still under investigation or out for dispute but I was plainly not ever addressed for it. He clearly said without addressing any issue " I have no information for you, you have to wait 14 days ''. I also told them I just want to pay my balance in full ASIDE from the {$700.00} that I AM NOT RESPONSIBLE FOR and close the account with them, but they won't even let me do that. I also called XXXX PERSONAL LOANS today since my statement is showing " Discover Personal Loans '' and they also have nothing from CITI bank. By now I have spoken to XXXX XXXX XXXX, CITI bank, and XXXX. I have also gone to CITI bank once and was told to wait. Every time I have spoken to a supervisor, they are so rude and not helpful. Every single supervisor is so rude over there and they do not communicate with each other or write down notes so whenever you call you have to explain everything and you hear new surprises from them every time.
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| 09/24/2020 |
Yes |
- Checking or savings account
- Other banking product or service
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Citibank was offering promotional bonuses for opening checking and savings accounts. On XX/XX/2020, I called customer service because I wanted to speak with someone who could answer my questions and walk me through the process of opening my accounts to ensure that I did everything correctly and met all requirements to receive the cash bonus.
The process took roughly 45 minutes over the phone. The representative opened a savings and checking account for me, answered my questions about the cash bonus qualification requirements, and informed me that I needed to keep money in both the savings and checking accounts to avoid incurring any fees. She also informed me that the number one cause for people becoming ineligible for the cash bonus was not maintaining a balance in both accounts and having one of the accounts close by default after 3 months of having a {$0.00} balance.
On XX/XX/2020 I received an email from Citibank welcoming me as a new customer and informing me that they required me to complete a signature card which was attached to the welcome email. The email stated that the signature card and initial deposit needed to be received within 10 days.
On XX/XX/2020 I completed the signature card form and returned it.
On XXXX I transferred {$50000.00} required to receive the {$700.00} cash bonus into my savings account ( Deposit Teller XXXX CITIBNK D, XXXX XXXX, TX XXXX ) On XXXX I moved {$10000.00} from the savings account into the checking account to ensure that each account would remain open and fulfill the requirements for the cash bonus.
I took no further action on the account and received no notification that additional action was needed.
After the initial 90 days, I called to check on the status of my cash bonus. The representative assured me that all of the eligibility requirements had been met and that they had 90 days to deposit the cash bonus.
After an additional 60 days, I called again to ask and they informed me that all the eligibility requirements had been met and I needed to continue to wait.
After more than 6 months of waiting and being told the cash bonus was coming, I called again and was told that the reason the cash bonus has not been deposited was that I did not have a XXXX form on file. I explained that I never received a w-9 and that no one ever told me that I needed a w-9 form. The representative told me not to worry, that she could open a dispute and send me the w-9 form and that once the signed form was received and added to my account the cash bonus would be deposited.
I received the email containing the w-9 form and immediately faxed the completed w-9 form to the fax number I received over the phone. After a few days, I called to inquire about the status. I was told that the w-9 form had to be mailed. I mailed the form. After several days I called and inquired about my dispute. This time I was told that the w-9 form was received and had been added to my account, but that the back office was still reviewing the dispute and had not made a determination.
XX/XX/2020 I called back to check the status and was informed that the dispute was resolved and that Citibank concluded that I was not eligible for the cash bonus because I did not have a w-9 form added to my account within the promotional period.
I believe this to be an unethical bait and switch. I did everything right. I called and had the Citibank representative create the account for me over the phone, I replied promptly to the additional information that was requested of me ( e.g. signature card ). I did 100 % everything required of eligibility and furthermore, I was told by numerous employees who reviewed my account that I had fulfilled all eligibility requirements for the cash bonus.
After losing so much time and energy and undergoing emotional distress I decided to research who else CitiBank had done this too. I found on the consumer affairs website that there were others who had my exact experience and who were eventually able to receive their cash bonus through the help of CFPB.
e.g. XXXX XXXX XXXXhtm Original review : XX/XX/XXXX I can only hope that my story has a similar ending and outcome.
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| 05/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2021, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX received a call from a gentleman going by the name of XXXX XXXX, claiming that the XXXX XXXX was about to expire and that we needed to renew our subscription. Mr. XXXX then asked to gain remote access to the computer in order to upgrade the software. He did connect remotely and appeared to make several changes. He included a Note Pad file that showed the current software License Number and product number. He also included a XXXX XXXX XXXX XXXXXXXX XXXX number. The file also state that XXXX XXXX XXXX was active, that the Payroll Service was a privilege Membership and that the Software Agreement included 3 user licenses. The file showed XXXX XXXX as the account manager and listed two toll free numbers, XXXX and XXXX. XXXX requested payment via check and even offered to create the check in our XXXX system remotely. The check was printed, and XXXX requested that it be sent priority mail. The check was mailed via normal USPS means. At the end of the business day on the XXXX, we noticed that the XXXX software was not operating as it should. On XX/XX/2021 we called the XXXX and spoke with XXXX again. When we explained to XXXX that there were issues with Quickbooks we once again requested remote access. Once access was gained XXXX looked through various files and then using our computer, he displayed a map of the world with apparent tracer lines that he claimed was XXXX addresses that were being bounced through out the world but led to a XXXX gentleman. He even flashed an XXXX photo of a XXXX gentleman and claimed that we had been hacked. This seemed frightening at first but did draw scrutiny as it did not seem plausible that XXXX could use our computer to do such a trace. We ended the remote session and did a XXXX search for XXXX official site to locate a phone number. We dialed the number and was connected to a XXXX.
We explained the situation with XXXX and XXXX said he had no record of our interactions with XXXX XXXX. We immediately stopped payment of the check sent to XXXX. XXXX asked for our software license number and provided us with a Customer ID of XXXX. He stated that Quickbooks does not call to solicit payments and that if some did call, they should be able to provide that customer ID if they are legit. XXXX explained that we could renew the software license for 5 years and stated it would cost {$5300.00}. He them gained access via Log Me In. he repaired the XXXX files. Payment was given via credit card over the phone and our XXXX XXXX was once again operating properly. XXXX left a Note Pad file with the Customer ID, toll free numbers XXXX and XXXX. He also provided us with an email of XXXX. The file also stated that the charges would appear on our next statement with the name XXXX. Out of an abundance of caution we contacted our CPA to ask if this seemed legitimate. The CPA did some research. On XX/XX/XXXX, the CPA initiated a three-way call with A XXXX team member. Upon review the XXXX team member provided us with a tech support phone number of XXXX and an account department number of XXXX. Upon further investigation, XXXX stated that they could see no activity on our behalf. The XXXX team member then requested a screen view of where we located the number we called. When shown the method of a XXXX search and a result that stated XXXX Official site, the member stated that the site looked legit but the number we called was not in their database of numbers. In fact the number changed every time we closed the window and then accessed the site again. We called the credit card company to initiate a reversal of the payments and the XXXX team member advised us to file a report with the FBI. We immediately filed a dispute with Citi, the card which was used. On XX/XX/XXXX, we received a letter from Citi stating that they completed the investigation and closed the dispute. Citi stated that we accepted responsibility by providing the account number for the transaction and that the charges totaling {$5300.00} would remain on our account. This charge was made in a fraudulent transaction that is obviously a scam for service that would not be provided.
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| 10/15/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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To begin, I did not like the overdraft policy for the account type I had with Citibank, this is their standard-tier checking account product. It had been several times at this point where they had overdrafted me already even after I had deposited money in my account in a bank branch to bring the account current. Because this had happened several times and I wasn't happy with the service and their overdraft policy was very opaque I decided to switch to their access tier account, this is their bottom tier that doesn't charge overdraft and is a cheaper service fee monthly. I tried to set this up with the help of one of their agents who i asked to help my migrate the account type. I exercised all my due diligence in the process. The agent didn't at all mention the possibility that if future transactions hit the account that the account in question could be reopened without my authorization and the agent also left out that in-order to use my debit card witht the now linked access account I would have to select it as some sort of preference in the website ( which I only learned AFTER the bank had assessed me all types of fees ). I left the conversation with the agent with the impression that the account I wanted closed was, in fact closed. This was further reiterated by the word Closed written on the account in the account snapshot overview. In talking to this agent they assured me that my account wouldn't be charged for bank service fees for the month as I was in the process of migrating the accounts. I removed all scheduled or ACH type transactions associated with my checking account ( the one that I was trying to close ) and was only using my debit card which presumably was linked to both accounts. Then for a week, mysteriously, the citibank website doesnt function at all, nor does it function to connect to third party services like XXXX or XXXX XXXX, so I am unable to access anyt info related to my account and I contact their customer support who act really rude and unhelpful to me, even going so far as raising their voice to me. Several days later I am finally able to check my balance through citi and I see that the account that once read " closed '' now showed a XXXX balance which I found odd. Then I call customer service and the agent is basically telling me that I'm lying about the fact that the account read the words closed, essentially gaslighting me about what I saw, saying that their accounts don't print out the word closed on them and in many ways contradicting alot of info the previous agents provided me and I am charged - {$130.00} in overdraft fees and charges, specially {$100.00} overdraft fee occurring on XX/XX/2019 and {$34.00} returned check fee on XX/XX/2019, despite the fact that my access account associated with the same ATM/debit card had more than sufficient funds to cover the transactions in question, and unclear why such an extravagant fee was assessed, which their customer support team ( and I was talking to the most senior person at customer support I could access ) didnt explain to me ( usually overdraft fees or returned unpaid are just {$35.00} ) when I called why the fees were as such. Then, when I explained the entire situation to the more senior customer support person ( this after speaking with somewhere between 4-7 customer support agents that week ) who refused to return the fees to my account despite the assurance of the first agent that i wouldn't be assessed any fees ( when the fact of the matter was I was assessed fees that far exceeded those I would typically be charged by this bank ). After screaming and venting my frustration the agent tried to compromise with me by crediting half of the fee amount to {$68.00}, also for reasons unbeknownst that he was unable to demonstrate why that amount was being refunded. I told him that this wasn't good enough and that I shouldn't be penalized for their mistakes and that I refused to pay that and I would be filing a consumer complaint. Then on XX/XX/2019, without my authorization, an amount of - {$67.00} was transferred from my access account to cover the remaining fees on the standard checking account I was trying to close.
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| 05/28/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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For over a year we have had extraordinary difficulty using the Home Depot Consumer Credit Card and following the terms to receive the advertised 6 months, 12 months, 18 months, and 24 months financing terms that have been advertised. The root of the problem is that Home Depot uses an algorithm that makes is exceptionally complicated even for its own representatives to understand how payments are applied to the balances, meaning card owners are charged interest when they shouldn't be. Even though the consumer may think they are paying off a promotional balance in full during the promotional period, the consumer may still be charged interest on other non promotional balances even though the website for the card has a specific payment option labeled " amount to avoid interest '' under payments. This advertising, coupled with a specific payment amount option that says " amount to avoid interest '' with consistent results that end up with the consumer being charged interest is deceptive and infuriating.
Home Depot also offers payment plans that are unclear and inconsistent in how they are being applied. First off, there isn't simply a single " balance '' on the credit card. There is a non promotional " revolving balance '' and there can be multiple " promotional balances. '' Each promotional balance may have a different term in which to pay it off in order to avoid interest, which is the whole point to having the card. However, the method to target a payment to a specific balance is unclear and deceitful.
For example, if there is a {$150.00} revolving balance with no promotional period, an {$800.00} promotional balance due in six months, and a {$1500.00} balance due in 12 months, a consumer may make a payment of {$800.00} in the fifth month of the sixth month period to payoff the promotional balance and still gets charged interest on the {$150.00} revolving balance. And, if the consumer is within 1 or 2 months of the expiration of the due date of the promotional balance, the consumer has no ability to specifically target the revolving balance of {$150.00} until A ) the promotional balance for the 6 months at {$800.00} AND B ) the promotional balance of the {$1500.00} at 12 months are paid off first ( assuming the promotional balances end in consecutive months like XXXX and XXXX ). The result is that the consumer is paying more than the minimum balance on the card, ( say {$25.00} a month ) and yet gets hit with consistent interest charges on the revolving balance of {$150.00} even when they have paid more than that. Most often what may occur is that for the {$800.00} payment, the system will allocate a portion of the {$800.00} to the {$150.00} revolving balance, a portion to the {$800.00} balance, and a portion to the {$1500.00} balance, with a net result of the consumer not actually paying off the promotional balance, getting charged interest on the remaining part of the {$150.00} balance, and making a payment on the {$1500.00} balance when there is no need at this time to pay it given that there is time left on that balance. This is the worst result and infuriating when it is not the intended result.
There are other complexities about how this is advertised and presented but the bottom line is that the Home Depot/Citibank system does not compute all possible avenues of how interest is accruing and being calculated so the consumer does not have the ability to realize the advertised benefit because the " amount to avoid interest '' payments is incorrect. After multiple calls with Home Depot/Citibank reps trying to reverse interest charges and waive fees, even after paying thousands in " amounts to avoid interest '' we are bringing this deceptive and confusing trade practice to the CFPS attention for further investigation. The fine print that Home Depot/Citibank reps claim discloses the ability to receive interest from multiple balances is not effectively applied for the consumer to be aware of and it does give the consumer the ability to mitigate interest charges. This undermines the entire reason for getting the card, i.e. to avoid interest on large purchases by spreading payments over many months.
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| 03/03/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Opening an account
- Account opened as a result of fraud
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Web |
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To Whom It May Concern : My name is XXXX XXXX and I am a Citibank customer. I am writing this letter to report the inappropriate behavior and misconduct of two Citibank employeesBranch Manager, XXXX XXXX ( XXXX ID XXXX ) and Personal Banker, XXXX XXXX the XXXX, Maryland branch ( XXXX XXXX XXXX ). I believe they are collaborating to defraud me and cause me economic losses.
On XX/XX/XXXX, XXXX XXXX recommended a Citibank promotion program to me. She said if I deposit {$30000.00} for half a year, I would receive a {$500.00} bonus reward. On the same day, XXXX XXXX set up a new account for me, processing my {$30000.00} deposit ( see Evidence 1 ) after asking for my personal information and reviewing my previous deposit records with Citibank. XXXX XXXX also said that I could withdraw from the {$30000.00} and leave only {$1500.00} to keep the account open by the end of XXXX to receive the {$500.00} reward 6 months after the deposit ( see Evidence 2 ).
On XX/XX/XXXX, I inquired about the account status. Citibank told me that the {$500.00} reward had not gone through, but I could go ahead and withdraw the {$30000.00} deposit and keep {$1500.00} in the account ( see Evidence 3 ). On the same day, following Citibanks regulations and recommendation, I withdrew the rest of the money and left {$1500.00} in the account.
After months of waiting, I still had not received the {$500.00} reward. On XX/XX/XXXX, I went to Citibank to get a status update on the reward. Another Citibank employee reviewed my account and told me there was a problem. She said that in order to be eligible for this promotion, I must be a new customer with no existing account at Citibank for 6 months ; my last Citibank account was closed on XX/XX/XXXX and I was not eligible for this program. In sum, opening the account was a violation of the Citibank promotion policy.
XXXX XXXX lied to me and lured me into opening a new account and transferring large sums of money into Citibank under the notion Id receive a {$500.00} bonus reward. She had verified all of my personal information, account history, and made it crystal clear that I was qualified and eligible to receive this promotion. This was the only reason I opened this account ; had I not been eligible for this promotion, I would not have opened this account. XXXX XXXX did not understand the terms and conditions of this promotion. Not only that, she lied and falsely advertised the promotion to me and misled me into opening this account.
To move forward and resolve the problem, I met with XXXX XXXX on XX/XX/XXXX. He said he understood the issue and would help me, but instead, he was extremely rude, unprofessional, and overall, provided an awful customer experience. I asked him three questions during our conversation : 1. Is it the responsibility of Citibank employees to inform customers of terms and conditions when pushing a customer to sign-up for a promotion program? He said Citibank employees had no such responsibility.
2. Is it the responsibility of Citibank employees to verify whether a customer has met the terms for a promotion prior to pushing the promotion on them? He said that Citibank employees didnt have to.
XXXX. Is Citibanks system able to check whether a customer meets the terms of a promotion? He said no.
Based on his responses, its clear that Citibank and its employees have no responsibility to tell customers the truth. They can lie, make false claims, and withhold terms and regulations in order to get customers to open new accounts, sign-up for promos, and deposit large sums of money in a Citibank account XXXX Then, when customers ask for their promotions to be upheld, they will make excuses and do anything in order to not have to pay the reward it owes customers like myself. This is an awful customer experience. I would like for you to take this claim seriously, ensure that Citibank employees are transparent and tell customers the truth, and compensate me for my economic losses. Id like to resolve this problem as soon as possible and get the money Citibank owes me. Please let me know how we can do this amicably. Thank you.
Regards, XXXX XXXX, XXXX, XXXX,
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| 11/05/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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At the end of XX/XX/XXXX, start of XX/XX/XXXX, I signed up for 2 Home Depot Consumer Credit Cards. Both were initially done so online, and completed over the phone at the Home Depot store located at XXXX XXXX in XXXX, Oregon. I opened each credit card account that was new in order to purchase over {$1000.00} worth of products and received the {$100.00} credit as a promotional reward. Both of these promotional amounts of {$100.00} were denied, and both were reduced to only {$50.00} each, after five months of waiting.
The card ending in XXXX was an original purchase receipt on XXXX and was exactly {$1300.00} and was completed in store at Home Depot, through the XXXX website due to several of the products being available online only. After months of waiting for the credit to be applied properly, again requesting that the initial {$100.00} being honored, on XX/XX/XXXX after many questions regarding escalation of the call to get some answers, I finally received the following reason for denial of {$100.00} qualification due to the fact that some items on the order had been returned, making my initial receipt amount, of the initial purchase of {$1300.00}, invalid. XXXX item never showed up after several weeks of waiting so I went with another style of tile, while another I returned as I realized my breakers didn't work with the new style of breaker panel, weeks after the initial receipt purchase. In my understanding, the initial purchase still was in excess of {$1000.00}, and no promotional terms, frequently asked questions, or terms of the credit card agreement state to the contrary that returns forfeit any promotional amounts.
The card ending in XXXX was an original purchase receipt XXXX was exactly {$1100.00} and card sign up was completed over the phone, and then order completed on the computer with the XXXX website. After months of waiting for the credit to be applied properly, again requesting that the initial {$100.00} being honored, on XX/XX/XXXX I received the following reason for denial of {$100.00} qualification due to the fact that one item was price reduced for {$20.00} ( not even shown on my initial receipt ), making my initial receipt amount, of the initial purchase of over {$1100.00}, invalid, so that the one item had to be processed separately ( reportedly for one of the over {$300.00} tools ) making the remaining " original purchase '' amount worth only {$50.00} as it was processed separately. My initial purchase, was in fact for {$1100.00}. How their system processes my initial purchase is not within my control and is not available to be seen in writing. In my understanding, the initial purchase still was in excess of {$1000.00}, and no promotional terms, frequently asked questions, or terms of the credit card agreement state to the contrary that returns forfeit any promotional amounts.
I closed both accounts effective today and stated I'd be filing a complaint with the Consumer Financial Protection Bureau.
The promotion reads : " Offer is for new accounts, is subject to credit approval and valid XX/XX/XXXX until XX/XX/XXXX.
This offer is redeemable for either a {$25.00} discount on a single-receipt purchase of {$25.00} up to {$290.00}, a {$50.00} discount on a single-receipt purchase of {$300.00} up to {$990.00} or a {$100.00} discount on a single-receipt purchase of {$1000.00} or more within 30 days of your account open date at The Home Depot retail stores or XXXX when made with your The Home Depot Consumer Credit Card, The Home Depot Home Improver Card, The Home Depot Commercial Revolving Charge, or The Home Depot Commercial Account. Valid in the U.S., U.S.V.I., Puerto Rico and Guam. Offer does not apply to prior purchases, The Home Depot Gift Cards or Certificates, third party gift cards, installation products or services purchased in home, Tool Rental or to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX, XXXX products and trade styles. May not be combined with other discounts ; ask an Associate for details. ''
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| 10/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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We did a refinance on our home through XXXX Mortgage and they use XXXX XXXX XXXX for the closing and sending the payoffs. We asked that our credit card with CITI be paid off. This amount was {$6900.00} on out CITI XXXX XXXX XXXX card. The check to CITI was sent on XXXX XXXX, 2020. XXXX attached copy of check. On XXXX XXXX I started receiving emails stating we had not made a payment on our CITI card. On Monday, XXXX XXXX I called CITI in regards to our card. I told them our card had been paid off a week earlier. CITI advised me they have no record of payment or payoff being made. We notified XXXX XXXX about this. XXXX 's records indicate that the check was sent on XXXX XXXX, 2020. XXXX sent us a copy of the check. on Tuesday, XXXX XXXX I called CITI and told them we have a copy of the check, but they still had no record of payment. During this conversation, XXXX notified us that they now showed that CITI had CASHED the check on XXXX XXXX, 2020. XXXX still denied payment. CITI advised us they would send us a form to fill out, send them a copy of the check, the tracer #, and we had 10 days to do this. As of today, XXXX XXXX, we still have not received this form.
On XXXX XXXX XXXX, we again asked CITI XXXX it showed a payment being made. CITI said no. We were told to fax a copy of the check to a specific fax #. This was attempted on Thursday, XXXX XXXX. Fax would not go through, # would just ring non-stop. We called CITI that same day and were told that was a bad #. We were given a new fax # to try. This was done on Friday, XXXX XXXX at XXXX. We called CITI in the afternoon on Friday and CITI had received a copy of the check. However, they said that neither of our names were on the copy of the check. CITI stated the check might be in a holding area. We were told to call on the following Monday. We did, CITI stated they still didn't know where our check was. We advised CITI again that they had CASHED the check on XXXX XXXX. XXXX XXXX advised CITI they had sent the check along with a second sheet with our names and other information CITI has requested. CITI denies receiving this as well as receiving our check. CITI again stated they are in the " process '' of starting an investigation. However, CITI needed the last XXXX digits of our social security # 's, the tracer # on the check, and the last XXXX digits of credit card. We told CITI they already had all that information. The last XXXX digits of the card # were on the front of the check.
On Tuesday, XXXX XXXX, we again contacted CITI. Still no information on where or what had happened with our check. Now I became upset. I told CITI they had {$7000.00} of our money tied up. CITI has cashed the check, making interest off the check. CITI then advised me it would be a good idea to make the monthly payment to avoid any other issues. I declined. CITI then stated the had at least 30 days to investigate the situation. I stated in the meantime you have our money. CITI stated they had put {$6900.00} " temporarily '' into our account. This would be good for 10 days. I asked CITI if they had 30 days to investigate. how come I only get XXXX days to have " temporary '' money? CITI gave no response. I also told CITI that if our credit rating was interfered with because of this, legal actions would be taken to clear our names. We checked out acct. on XXXX XXXX XXXX. The phone service says the money is in our acct and no payment is necessary. However, computer acct now shows in bright red letters we still owe {$7000.00} and we need to make a payment. CITI is also charging us interest at 29 % on the money owed in this acct. We called CITI, they stated we would not be charged late fees and high interest. We checked yesterday, XXXX XXXX our account IS being charged ANY and ALL extra fees as well as 29 % interest on the balance. Brings us to writing to you for help.
This has been very difficult for us. CITI could care less. However, {$7000.00} of XXXX money has seemingly disappeared. CITI CASHED our check. Please look on copy of check and you will see date check was cashed. Front of check has last XXXX digits of credit card CITI was looking for.
We need your help!
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| 09/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made a reservation for a XXXX XXXX hotel in XXXX on XX/XX/2018. I initially was going to stay the hotel from XX/XX/XXXX to XX/XX/XXXX. I immediately cancelled the reservation after reading reviews about the hotel. I cancelled within the hotel 's deadline and received a cancellation confirmation from the hotel.
On XX/XX/XXXX I got email alert that my XXXX XXXX XXXX XXXX card had a balance of {$1000.00}. I immediately logged on to my account because I knew that this balance should have been XXXX because I hadnt used the card for any purchases since XXXX and the full balance had been paid off.
When I accessed my account, I realized that I had been charged XXXX charges of {$510.00} ( which amounts to the {$1000.00} ) for a XXXX XXXX Hotel in XXXX. Initially I did make a reservation for this hotel back on XX/XX/2018 but after reading the reviews about the hotel, I decided that I did not want to stay there so I went online and cancelled the reservation in the same day. I got a confirmation number for the cancellation. So, I was baffled as to why I was charged when I had indeed cancelled my reservation.
immediately called the hotel as soon as I saw the charges. When I called the hotel, I proceeded to tell the staff member that I was charged for a stay and I had never checked in to their hotel. She looked up my reservation and she said something about I checked into some room and then was moved to another. I said no, I never checked into your hotel and she asked me to hold. I stayed on hold for maybe XXXX minutes and when someone finally came back, it wasnt the initial person that answered. I relayed the same information to the young lady that answered the phone and she took my name and number and said that a manager would call me back. This all occurred on XX/XX/XXXX
I did not feel that anyone from the hotel would call me back because they just seemed very unprofessional, frazzled and disorganized based on the professionalism when they answered my call. Once I hung up with the hotel, I immediately called my credit card to inform them of the issue. I also put in a dispute online for the charges.
Maybe a week or so after I called about the charges, I logged on to my XXXX XXXX XXXX XXXX card and noticed that the hotel had reversed the XXXX charges that initially was {$510.00}. Instead, they subtracted the XXXX charges to {$420.00}, leaving my account still with a charge of {$180.00} that still should not have charged because I never checked into this hotel.
My husband then got a call from someone from XXXX XXXX XXXX XXXX which I believe was on XX/XX/XXXX. While the credit card account is in my husbands name, he wasnt entirely familiar with the situation because I was the one that made the complaint. I called XXXX XXXX XXXX XXXX back that same day and spoke with someone about the charges. The rep went over the information with me about the charges to the card and she stated that they would reverse the {$180.00} and that the XXXX XXXX hotel would have 30 days to dispute the charge.
I never denied making the reservation for the hotel, but this matter has become increasingly frustrating because I never checked into this hotel. While I understand that the credit card company had to do their due diligence to investigate the matter, the fact that the hotel sent them a copy of some hotel registration forms with my name on it but no copy of any identification from me, baffles me!
In all my years of making reservations and checking into hotels, Ive always had to present my identification when checking in. If I had indeed checked to their hotel, why didnt they send a copy of my id that I presented when I allegedly checked in!
On the date in question, I was in a whole another state. I was in XXXX Virginia from XX/XX/XXXX to XX/XX/XXXX. I could not possibly be in two places at the same time.
I recently wrote a letter to my credit card company and faxed them all of the evidence I had to support that I never checked into the hotel. I even submitted a copy of a review from a website that showed another person who was charged for a stay that they cancelled and never checked in to their hotel.
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| 07/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Servicemember |
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On XX/XX/2020 I had made a payment with a late fee on my Citi bank credit card for the amount of {$330.00}. I am now below my maximum credit limit by {$260.00}. My Citi bank app ( where I pay my bill ) tells me my account balance is {$0.00}. I had made a call a few days later and the automated machine over the phone told me I am over my credit limit. I understood it as my credit limit decreased but I was not notified. I reached out to city at their customer service chat on the app and spoke to XXXX. XXXX told me ; and I quote " I do apologize, however the only information available would be in the letter '' in regards to me asking XXXX how come my credit limit has been decreased without me being notified. I thanked XXXX for his time and made a call to city bank credit help number from the app link. I spoke to a woman after verifying all of my information whom did not tell me her name in regards to whom I was speaking to on the line, so she can not be named in this complaint, but when asked if she could inform me when my letter was mailed and when it should arrive approximately she told me it was mailed on the either the XXXX or the XXXX. My letter mailing date could not be pinpointed on a single day even though city bank 's system mailed it apparently. Then in my confusion, the representative submitted a request for a higher credit limit which she explained would not run my credit score at all. After a few more questions this representative informed me my credit balance was the same amount as always and had never decreased. At this time the representative informed me that my information that she had pulled up showed that I still owed {$47.00} because I only paid the minimum due with an interest payment of {$68.00} and a late fee payment of {$40.00}, which would equal {$220.00}. so I told this representative that it shows I still payed {$100.00} more than what she was telling me, so why was I still not getting an available credit on my credit card? Her response was to have me hold for a moment. She came back on the line and told me that my account that she had pulled up shows that I now owe {$110.00}. So now I have more questions because none of this made sense. Finally this representative informed me a few questions later that my card isn't working because the department that processes the payment ( not the believed to be automated system XXXX is closed currently and should go through on Friday. She stated that I should check again on the XXXX of this month. So now I'm left with more questions than I originally had in the first place, such as : Why was I told twice that my credit limit had been decreased and a letter was in the mail TWICE?
Why was it not decreased, but I was informed that it was?
Why was I informed that I owed 2 DIFFERENT payments due before my account was in good standings, even though the numbers she gave me did not account for the massive late fees I paid to put my account in good standings?
Why is this " department '' closed until the last day of the week/month, but not open during normal business hours the rest of the week?
I had also asked the representative how I go about filing a complain through the consumer financial protection bureau because I felt I was getting the run around. She asked me what it was about and told me that she had submitted it for me, which was a lie because I'm filling it out now and its more than one question.
My final question is why is it that every Citi bank representative I have talked to acted like they know nothing about Citi 's system, how to help me, or what is going on with my account, and they leave me with more questions?
I am starting to feel like Citi does not actually care about its consumers because it seems like a fairly easy issue to fix or find an answer to, and after the representative told me what I was charged {$330.00} for, I am starting to believe that I have been charged {$100.00} for no reason at all. But she couldn't answer that question either. I have not been rude over the phone, I was very calm and willing to listen to what the representatives had to say, but Citi seems to not care if I get help at all.
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| 11/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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CitiMortgage has unfair practices when it comes to modification requests. In XX/XX/XXXX, my then husband and I, submitted a modification request but CitiMortgage never formally gave us a respond to our request as we constantly being assigned new specialist, asked for additional documents and being told our applications was on the desk of an underwriter. In XX/XX/XXXX, CitiMortgage filed foreclosure documents to take my home. I eventually got a lawyer and was able to save my home. CitiMortgage is very deceptive and I think it is because of their size that they are able to get away with illegal practices. I say this because my original mortgage was with XXXX XXXX XXXX XXXX XXXX XXXX was sued for issuing risky home loans. In XX/XX/XXXX, we got a letter from CitiMortgage that we should be remitting payments to them. I always believed that CitiMortgage owned my mortgage. In reviewing documents related to my mortgage, I noticed that on XX/XX/XXXX, my mortgage was recorded with the XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) as being paid off and it was never assigned to CitiMortgage. It was only after CitiMortgage tried to foreclose on my mortgage that on XX/XX/XXXX they filed document to have my mortgage assigned to them with XXXX XXXX That means that from XX/XX/XXXX to XX/XX/XXXX CitiMortgage despite taking payments and modification request they never actually owned my mortgage since it was recorded as being paid off. CitiMortgage unfair practices is being repeated in that I filed for modification for my mortgage with CitiMortgage in XX/XX/XXXX. The reason for my modification request stated that I am recently divorced and therefore I am not be able to afford my mortgage payments. I was assigned a specialist who sent information to my ex-husband asking him to complete additional documents ( XX/XX/XXXX ). I cleared misinformation up with my specialist and was asked to send a copy of my divorce decree and other supporting documents. I submitted the documents but was asked by Citimortgage to supply income information for my ex-husband, despite it being made clear that as part of our divorce I am required to remove his name from the mortgage ( XX/XX/XXXX ). They sent me an emailing stating needed me to send by XX/XX/XXXX the XXXX XXXX form for my ex-husband. I emailed my specialist at that time and was told our modification was still sitting on the desk of the underwriter ( XX/XX/XXXX ) and he did not know when the application would be approved. To date, I have had three different homeowner specialists on this new pending modification ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ). I have been waiting for a decision on my modification request but I have not receive any documentation through the mail or online indicating what is the final decision. During the time, my modification was under review, I kept getting letter saying my mortgage was in default and explained what I need to do to apply for a modification. Simultaneously, I kept getting communications from CitiMortgage saying that they have received my modification request and it is still under review ( XX/XX/XXXX,XX/XX/XXXX ). I receive a letter on XX/XX/XXXX from Citi stating I need to cure my default or they will be sending our mortgage for foreclosure if I do not bring it current. I am confused since I CitiMortgage has not told me if my modification request was approved or denied. The last communication states my file was still on the underwriters desk. On XX/XX/XXXX I got a text message from CitiMortgage stating that they have assigned me a new homeowner specialist. I believe CitiMortgage is deliberately trying to take my home by not addressing my modification request in that they are asking for documents they know I am not able to provide. I am a divorced mother of XXXX and I do not want to lose my home. CitiMortgage has been sending me contradictory letters and I believe they are deliberately trying to take my home from me. I found out that CitiMortgage was claiming to be the holder of my mortgage from me. Please help me with this big bank that is preying on me because I dont have access to the resources they have to defend myself against them!!!!
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| 10/25/2023 |
Yes |
- Credit card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I purchased a refrigerator from XXXX XXXX and used their credit card to receive 0 % financing for 12 months and currently have a standing automatic payment each month to pay that promotional balance in full at the end of the 12 months.
The fridge was purchased in XXXX.
Then in XXXX, I made XXXX purchases, XX/XX/2023 and XX/XX/2023 totaling just over {$340.00}. To cover these purchases, I scheduled a payment of {$340.00} in XXXX before the due date, in addition to the regular automatic payment for the refrigerator.
In this last statement, I was charged {$4.00} in interest for charges which I assume are my purchases on XX/XX/2023 and XX/XX/2023. I specifically made an extra payment in XXXX on the XXXX of {$340.00} to cover the aforementioned purchases and now I am being charged interest.
XXXX XXXX has told me the following : An interest charge adjustment will be credited to your account and will be shown on your next billing statement.
We are unable to answer questions that are related to merchandise, returns, exchanges, shipping, warranties, etc. Please contact your local store or XXXX XXXX at Voice : XXXX, Hearing and Speech Impaired for TTY : Use XXXX or other Relay Service for further assistance.
Your statement due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your XXXX XXXX by the Payment Due Date each month.
If you fail to pay the New Balance by the Payment Due Date Interest charges will accrue between the Statement Due Date and the date the payment is received in full. There is a {$2.00} minimum interest charge.
Interest charges are computed for each billing cycle based on your Annual Percentage Rate ( APR ). See your Card Agreement and your billing statement for details.
Your purchase for {$260.00} was placed on the revolving plan which requires minimum payments each month. Interest charges will be posted to your account each month until the balance is paid in full.
Thank you for your inquiry regarding payments allocations. The following is an explanation regarding how we allocate payments to your account and how to avoid interest charges on your deferred interest promotion.
Payments in excess of the Minimum Payment Due are generally applied to higher APR balances first. However, when you have a deferred interest promotion on your account that is expiring within the next two to three billing cycles, we will apply your payment first to the Minimum Payment Due and then to the expiring deferred interest promotional balance before other balances. If the expiration date of a deferred interest promotion is before the payment due date in the billing cycle in which the deferred interest promotion expires, excess payments received before the deferred interest promotion expires are applied to the deferred interest promotional balance first in the last XXXX billing cycles of the promotional period. This may allow you to pay off your deferred interest promotional balance before it expires and help you to avoid interest on the deferred interest promotional balance that might otherwise be billed to your account.
We currently allow you to reallocate payments in excess of the Minimum Payment Due if you have an active deferred interest promotional balance on your account, provided the payment has already been posted to your account. To request a reallocation of a payment, please contact Customer Service. Their number can be located by selecting the HELP & CONTACT option at the top right of any Account Online screen.
If you wish to avoid interest charges on a deferred interest promotional balance, the entire outstanding promotional balance must be paid in full by the promotions expiration date.
After spending an hour on the phone on the website and on the phone with multiple representatives I was told that I needed to make another payment and then call again to have the payment allocated to my revolving balance.
I am trying to be a responsible consumer and avoid interest - yet XXXX XXXX is making it difficult for me to pay my revolving balance for the sole purpose of collecting interest income.
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| 10/12/2022 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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Web |
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XX/XX/2022 Saturday Morning I called into Citibank to check status on my dispute to see if the received my fax that I sent to them about a dispute that I submitted gave my information and they verified my account. There after being transferred to the dispute department I gave my name while speaking to someone by the name of XXXX who was not so nice to me I then asked if he received my faxes I sent on XX/XX/2022 he said he didnt see any information on my account, I said sir are you sure I sent them after giving when he said theres nothing here so he was so rude I couldnt speak to him he disconnected the line on me. And I spoke to someone else in the disputes department there after asking if I can please be transferred to a supervisor of the disputes department they placed me on hold with someone who stated that they were a supervisor by the name of XXXX and I compliant about XXXX and asked her if she can help me while speaking to her their was silence and it was for a while. And I can hear people in the background speaking and or breathing. I hung up. So XX/XX/2022 after XXXX I spoke to a customer service representative at Citibank and explained to her that I wanted a supervisor to help me with my dispute and she asked for my name and I gave it to her. Her name was XXXX so she had me on hold and a supervisor by the name of XXXX came on the line we spoke about my dispute no issues and I did another dispute to which I was calling into do Saturday XX/XX/XXXX and didnt get no where, so she said lets work on the new dispute then I gave her the information and a answered questions then she gave me my complain number and the fax number and email where to send to for my dispute. And all went well and she told me that theirs no supervisors available on the weekends to assist clients. I said they told me some one was a supervisor so thats not good. So Tuesday XX/XX/2022 I made a purchase on my phone and it was for {$5.00} and it was declined after telling me to call in a number I call they ask me to verify all of my information and I said the purchase was made me me. They said they were sorry they had to transfer me to the Fraud department, ok cool so they transferred me after being on hold for XXXX minutes they said that Citibank will be closing my account and no further information is noted. I said wait what thats crazy. I said wait something isnt right. So then called again and called customer service again then was transferred to fraud department and it happened again with this Citibank is closing your account and will not be doing any business with you any longer we will submit you a check for any funds that belong to you. After that I went to the bank at XXXX XXXX XXXX XXXX XXXX spoke to a banker by the name of XXXX and she didnt give me a card so I had no way of having any information from her she called fraud department and they gave her the same information after I was told the bank would know why so from what everyone who assisted me they dont know who or why the restrictions were put on my account. So she gave me a number to call and called it dont know why I must wait 30-60 days for my hardworking money and from all XXXX that were sent to me and money Ive sent to my children who are in college and I have doctors appointments and I use medication and have rent to pay before XX/XX/XXXX due to me on a payment plan and family and friends paying me I lost my job I dont drive and now cant pay to go to any interviews and or doctors appointments to which I have a appointment on XX/XX/XXXX for a XXXX XXXX and I must see my XXXX on XX/XX/2022 and I cant because I have no money my only source of income is my Citibank account I really feel someone between Saturday and Monday after speaking on a supervisor did this. I use a XXXX XXXX and I Ned to see doctors in the city which is XXXX hour away from me. I have no one here in XXXX XXXX no family their in XXXX XXXX and for this to happen for no reason and kinda strange it happened right after I spoke to a XXXX who claimed she was a supervisor assisting me. And odd no information is on my account only restricted but no who what where when and why.
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| 12/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/18 - I file a formal dispute with my credit card because the supplier made a mistake and wants to ship me the wrong product with wrong design. The supplier acknowledges they made a mistake via email on XX/XX/18 at XXXX. The supplier then promises to remake my product and fix the mistake, and ship me the correct product with correct design.
XX/XX/18 - I agree to give the supplier a second change and give them very clear instructions, I give them my official product design files, and I tell them the very specific production process to do on my product ( engraving/embossing ). I even provide them with examples of my competitor 's products with engraved/embossed designs. This process requires machinery at the supplier 's manufactory to press my design onto metal to create an engraved 3-Dimensional design. The design is " caved in '' or has the appearance of being smoothly " carved in '' to the metal.
XX/XX/18 - The supplier sends me a picture of an engraved/embossed design with my logo on a metal herb grinder. I gladly approve this design, since this is the correct design and process I want. The engravings and outline look properly, smoothly, and professionally done.
XX/XX/18 - Supplier is concerned with my credit card dispute from XX/XX/18 that is still open. I tell them that since they are fixing their initial mistake, they will be cleared by my credit card company if the show them proof of their goodwill to keep their word in fixing their mistake, and sending me the correct product. I want my credit card company to have on record that the supplier agreed to fix their mistake, so I let my credit card company handle the agreement.
XX/XX/18 and XX/XX/18 - The supplier finally sends me another picture ( after my multiple requests ) of the product. The supplier says my product is finished. However, the product design in this picture is not the same as the product design in the picture sent to me on XX/XX/18. This finished product is not engraved/embossed, it is scribed with a scriber. When a scriber is used, it " scratches '' away the metal to create a design. It simply looks like a scratched like made by a scriber or pick. This is not what I agreed to, nor what the manufacturer/supplier promised me nor sent me in their picture from XX/XX/18. A scribed design requires less of a process and has a lesser quality finish to the design as well. The design outline is not smooth, the color of the lines are " white '' due to the scratched metal, and the design is not " caved in '' nor has a deep 3-Dimensional design, due to the shallow scribed/scratched-on process used. Not only does this make the design look cheap, but also looks low quality and damaged.
XX/XX/18 and XX/XX/18 - I express my frustrations with the supplier for the second time making a mistake on my same order. I was nice and patient in accepting their apology the first time they made a mistake, and by accepting their request to fix the mistake. However, this supplier is stubborn in trying to use cheap/low quality manufacturing methods to make my order, and I will not accept their cheaply made products. They promised me a good quality product and even sent me a picture on XX/XX/18 of what they will make. However, they went behind my back and made a cheaper/lower quality product instead. This is not ethical. This is not fair. As of today ( XX/XX/18 ) the supplier has not shipped me anything, nor do I want anything. I have not received my order, nor do I want to receive their low quality product. They do not deserve my money after all the wasted energy, time, and big amount of stress that I have been put through.
Notes : Citi Bank has received my email conversation with the merchant regarding my alarming concerns regarding the products being " Defective/Not as Described '' from the photos that the merchant took before trying to ship to me. The photos of the completed products are " Defective/Not as Described ''. The merchant wants to ship me products that are " Defective/Not as Described ''.
I also never received the products. I refuse to pay for something that is " Defective/Not as Described '' and that I never received.
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| 10/22/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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- Confusing or missing disclosures
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Web |
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In late XX/XX/2019, I recieved a personal check from a former landlord for the amount of {$5700.00}. The check was from Citibank. I do not have an account with Citibank, so I took the check to my local citibank to get it cashed. The Citibank closest to my home did not even look at the check. As soon as I approached the teller saying I need to cash this check they said we do not cash checks here go to the next town over and cash it there. I went to the Citibank in the next town over and they told me that they will not cash a check for over XXXX $ and to get a cashiers check or 2 smaller personal checks. I went to my former landlord and told her what happened she immediately called her bank to ask them why a check she issued was not allowed to be cashed. They advised her to issue a cashiers check which they said is like cash and will not be rejected no matter the amount. So she gave me a cashiers check with my name on it a few days later. It was an official check signed by an official person employed at the Citibank where my landlord has her account. They said there will be no problem cashing the check as it itself is as good as cash. This time before i went to the bank I was anxious about getting embarrassed again. I decided to call the Citibank XXXX number to verify that intact I can bring a cashiers check issued by Citibank to Citibank in the amount of XXXX $ and get the cash for it even though I do NOT have an account with Citibank. I wanted to know this for sure. So I called you he XXXX number more than one time as did my wife just to make sure for sure that I could cash this cashiers check. Every time I called they said of course you can cash it, it is as good as cash, no account needed, and the purpose of a cashiers check is the guarantee of funds especially for large amounts. So again I went to the Citibank closest to my house first and the same thing happened as last time. They said we do not cash checks here please go to the next town over, I told them that I just spoke to Citibank customer service and they said that a cashiers check is like cash. They said they do not have XXXX $ in cash but the other Citibank does. So I went to the other towns Citibank and they said they can not cash a check over XXXX $ even a cashiers check. I told them I just spoke to the Citibank people over the phone and they said its as good as cash. So that branch told me to go to the exact Citibank where my landlord got the cashiers check and that Citibank would have to cash it. Because the funds were guaranteed from that bank and the person that signed the check officiating would be able to verify its validity. I drove to that Citibank location. This was the second day of work that I had to miss because what I thought was going to be 30 minute errand turned into a dehumanizing 2 hours long gas wasting ordeal. And of course for nothing. When I arrived at the Citibank that issued the cashiers check I was holding. The same bank that told my landlord that a person with no account will have no problem cashing the cashiers check at any Citibank branch. The very bank told me no that the official cashiers check that they signed at that same branch location would not cash the check because I do not have an account. I had all my identifying documents whatever they needed. This was devastating, that money was to be a down payment for a place to live for my wife and our XXXX babies. Out of desperation and out of options I was forced to go to a check cashing place that was able to cash the check for me upon going through all the necessary security protocols, such as calling the issuing bank and the calling, the landlord, all things that Citibank could have done. The check cashing place charged me XXXX $ to cash the check. They charge a percentage of the amount of the check. Please help. Why would the Citibank phone reps keep telling me that a cashiers check is good for any amount, no account needed, as long as you have ID and the check is as issued and signed by Citibank. I feel like I through away 2 work days and XXXX XXXX Why even issue a cashiers check if you are not going to honor the guarantee being made.
|
| 08/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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As of late XX/XX/2018, Citibank continues to report a balance to credit agencies on my account ( {$50.00} ), even though the account was paid in full ( final payment on a closed account ) as indicated in the confirmation number below provided by Citibank in the amount of {$50.00} paid on the date given below ( XX/XX/2018 -- clearing the bank several days prior to the due date of XX/XX/2018 ). ( Current balance online shows XXXX balance, so credit reporting should indicate the same. ) XX/XX/2018 XXXX XXXX Credited {$50.00} UNABLE to confirm the actual crediting of the payment, since Citibank never processed any more statements for me beyond the XX/XX/2018 due payment. ( Enclosed the last statement issued by Citibank, generated on XX/XX/2018. NOTE the credit limit was {$24000.00} on the closed account. NOTE the limit on the closed account is now reported as {$0.00}, thus giving creditors no idea what kind of credit limit I had been operating under when they look at my payment history on this closed account. ) Further, I am unable to report this inconsistency directly to Citibank because Citibank closed my account many years ago ( during the banking financial crisis, where my account was closed without reason, but left me with a balance to pay off on a closed account. ) Because technically I don't have an account with Citibank ( account closed ) they don't allow me to have 'normal ' customer service relations in order to report anomalies with my account. ( Notice the XXXX document attached which shows online help available, yet is not available to me - because of my account status as closed? Also, even though I send a confidential email, there isn't a record that it was actually sent, so unknown if there would be any response on my closed account -- hasn't been in the past. ) Further, Citibank has been reporting on my credit report for years that I was the one who closed my account. I never requested my account be closed, Citibank closed my account for their own reasons that had nothing to do with my payments ( never late ) and I certainly never requested my account be closed and communications over the years have indicated Citibank is not willing to reopen my account ( I am no longer interested in arguing with them to change their mind. ) A message stating that I did make a request to close my account no longer appears on my credit report, making it appear that I was the one who requested my account be closed with a remaining balance.
Further, my final payment was made effective on XX/XX/2018 on the 'closed account ' yet Citibank continues to hit my credit report with additional company credit checks beyond XX/XX/2018. There is no reason for this company to continue checking my credit worthiness as we no longer have a business relationship and I did not authorize them to continue accessing my credit worthiness beyond the time period that I still had a balance on their closed account.
Description of attached documents : XXXX - to show that while for other customers 'online help ' is available, it isn't available for me ( probably because my account has been closed for more than 10 years? ) XXXX - to show that in fact my current account balance is {$0.00} on a closed account.
XXXX - to show that in fact Citibank considers my account to be closed and my credit limit is {$0.00} ( changed from {$24000.00} ).
XXXX - to show that Citibank failed XXXX provide a final account closing statement when my final payment was made. The last statement available was for the statement closing XX/XX/2018. There was never a XX/XX/2018 statement generated on my account, thus no record of a final payment made by me was generated in a final statement ( even though the payment and confirmation is enclosed above, showing a payment made on XX/XX/2018 ).
XXXX - to show that my XXXX statement showed that my reported previous credit limit was {$24000.00} while making payments on the closed account, was changed to {$0.00} credit limit on the closed account after the account was paid in full.
XXXX - a full copy of my last available billing statement for period ending XX/XX/2018, and issued on XX/XX/2018.
|
| 10/31/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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On XXXX XXXX XXXX, I bought a washing machine on-line from XXXX XXXX for XXXX XXXX including taxes and hoses ). I applied for the XXXX XXXX XXXX card since this card allowed me to pay my purchase using installments, interest free, for XXXX months. Little did I know that XXXX XXXX will start adding fraudulent late fees charges on my account, though all the payments have been paid directly from my XXXX XXXX account in time ( I do have the evidence to provide ). Initially I was paying $ XXXX. In XXXX, XXXX XXXX stated they did not receive my payment and that I was late. I verified my XXXX XXXX account and the payment was sent. I called them on XXXX XXXX and the representative told me they will revert the late fee charge of XXXX} and probably there was a delay at their end.They credited me XXXX and not XXXX. The supervisor I talked to on the same day, XXXX XXXX, stated that my payment for XXXX XXXX is {XXXX since the current payment of XXXX} sent on XXXX looked it was delayed at their end ( that was received on XXXX ). I asked the supervisor multiple times if that is the correct amount I have to send for payment and she confirmed. I also asked why my monthly payment would change from XXXX to XXXX} and she did not answer my question.To my surprise, the bill received this week shows that I was supposed to pay {XXXX though no interim bill was sent to me with that amount and the supervisor stated clearly I have only to pay XXXX}. It is very unclear to me where XXXX} is coming from, how this was decided when all the correct payments were made in time and why the supervisor mislead me? The supervisor also stated though she could not change the late fee charge for XXXX}, however I would see it credited in my XXXX bill and then my monthly payment will return to the standard XXXX. That did not happen at all. In contrary, they started to change my monthly amount from XXXX to XXXX to {XXXX} to XXXX} that served only to confuse what the exact payment should be. Not only that, on the response to the complaint filed with CFPB, the XXXX XXXX XXXX itemized payments is totally incorrect and it does not reflect all payments I have made. I have all the evidence since those payments were made directly from my XXXX XXXX account and the transaction history is recorded and proof of payment.I feel this is done with a deliberate scope to confuse the payers and add illegal charges to their monthly bills.Not only I did not get refunded the XXXX, they claimed now I was late for XXXX months on payments and added another XXXX} late fees, with no explanation. Is only XXXX, how can they add late fees for XXXX months since XXXX XXXX? The entire bill was paid in full now. My total purchase was XXXX}. The remaining {XXXX were received by the company today. The representative XXXX, XXXX refused to remove the late fees charges, to close my account or allow me to talk to a manager. I was not late on my payments hence there is no reason for them to charge me XXXX in fees for XXXX months. However, XXXX XXXX from the Office of the President considers the late fees are justified and not only that misleads the CFPB that the initial late fee was credited ( only {XXXX} were credited out of XXXX} ) but how can it be possible to have a remaining payment of XXXX when I had already paid {XXXX prior to XXXX XXXX? {XXXX} plus {XXXX} XXXX late fee ) plus {XXXX XXXX already paid ) totals XXXX}. What I have noticed from the table sent to CFPB is that they have not included any of my payments for XXXX and XXXX. On XXXX XXXX I have paid XXXX} ( Reference XXXX ), on XXXX XXXX I have paid XXXX ( reference XXXX ), on XXXX XXXX I paid XXXX} ( Reference XXXX ), on XXXX XXXX I paid XXXX ( reference XXXX ), on XXXX XXXX I paid XXXX ( Reference XXXX ), on XXXX XXXX I paid XXXX} ( reference XXXX ), on XXXX XXXX I paid XXXX ( Reference XXXX ) and on XXXX XXXX I paid XXXX} ( reference XXXX ). I have an excellent XXXX XXXX of XXXX and was never late on any payments. XXXX XXXX credit card is refusing to acknowledge my payments and remove these bogus/illegal late fees charges. This constitutes fraud and I am requesting an investigation on this illegality.
|
| 06/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I did not receive everything I paid for so I created a dispute with Citi Cards over the phone on XX/XX/XXXX at XXXX XXXX. for a {$1000.00} charge on XX/XX/XXXX. When I created the dispute they asked for the transaction amount and the date, but when I started to tell them about the specifics they told me " they would contact me if they needed anything else ''. I made multiple calls over the next few months only to be told they were waiting for the merchant to respond. The next correspondence I received on XX/XX/XXXX dated XX/XX/XXXX from Citi was a letter that said " we determined that the service for which you were billed was provided ''. This dispute was not over a service provided it was a car, key and switches that was to be installed with it. From the beginning their dispute department did not investigate this claim properly or receive any additional information I had to support the claim. I immediately called them on the XXXX after receiving the letter to explain why this dispute was not completed correctly. They stated they had sent a letter that would need to be signed to continue the dispute but I had not received it. They also said it was on the website but the agent could not find it on there either. Then she said she would resend the letter that I would need to sign along with my supporting documentation to continue the dispute process. I asked if she could email or fax that and the response was no they needed the hard copy. At that time I emailed all of my supporting documents so she would have it. I then received a letter on XX/XX/XXXX dated XX/XX/XXXX that was mailed with a form to sign stating it needed to be faxed back by XX/XX/XXXX. I called again that day since the time frame had passed before receiving the letter and was told to sign the form, return it with my supporting documents and that they would reopen the dispute. I sent 12 documents showing that the purchase was supposed to have the convertible top actuator switch, reverse button, and window switch fixed. None of those items were fixed and I have documentation where I had them replaced for {$820.00}. The vehicle was supposed to be shipped with a new key also since the old one did not work, and that was not sent either. The key cost {$290.00} plus {$300.00} for shipping the car to the closest dealer in XXXX OH ( total {$1400.00} ). All of these items I have documentation from the owner stating he would fix or send with the car, but was not fixed or sent. This cost me {$1400.00} over the {$1000.00} I had disputed on my credit card. I also have documentation where I asked if the after market wheels rubbed which the owner said no. I have included documents the show this to be untrue, but still do not have a total cost to fix this issue. The next correspondence I received was a letter from Citi dated XX/XX/XXXX that came in the mail XX/XX/XXXX. This letter stated " As previously stated we are unable to require the merchant to issue a credit for this charge since the time frame in which to resolve a dispute has passed ''. Because of their lack of communication and poor dispute process the time frame where XXXX would have corrected the issue had expired as well. I have all of this information documented through email and time stamps on my phone.
Since then on my next statement I have paid the balance on my Citi account off ( as I do every month ) except for the {$1000.00} disputed charge and closed the account. I have also sent Citi a certified letter on XX/XX/XXXX stating the issues that I had and not to continue to pursue collections for the disputed {$1000.00}. This obviously did nothing as they have turned the account over to XXXX XXXX XXXX a debt collection agency, and this is why I am seek other recourse 's now. If you would like a copy of anything that I have stated not included please let me know. In 20 + years I have not had a late or past due loan or credit card payment, and this is the first issue which is affecting my credit score also. All said Citi delayed and gave me the run around until their dispute time frame had expired. Thank you in advance for helping to resolve this Citi Card issue.
XXXX
|
| 10/30/2023 |
Yes |
- Credit card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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I sent my first registered letter to Home Depot to put my statement into a billing error status.
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and it was delivered XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX XXXX to a different zip code I also sent copies via registered mail to Citibank ( their issuing bank ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX XXXX when I followed up with phone call they were unable to locate the letter and XXXX XXXX XXXX ( Citibank 's indentured bank in charge of discharging debt ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX am follow up phone calls showed that the letters were not in system, and I was later informed that they were sent to Citibank in XXXX XXXX I received a letter from Citibank/Home Depot Credit Card Services on XX/XX/XXXX that they were looking into it.
Another letter XX/XX/XXXX telling me that I had become a valued member XX/XX/XXXX, and that my last payment was XX/XX/XXXX, and I became delinquent XX/XX/XXXX.
I received another letter from them XX/XX/XXXX that my account has a XXXX balance, and to give them 30 days to contact the credit reporting bureaus.
Now they are suing me.
I will enc
lose all correspondence I sent them. I have a right to have my questions answered. Is my debt valid, or is it being discharged by The Deutsche Bank via 1099 A ( I have since filed a 1099 A myself online with the IRS and it was accepted ).
Is my contract being traded on the Primary or Government market, and then on the secondary or Stock Market? Is my lawful percentage of this consumer transaction 80 %, and they are entitled to a 20 % servicing fee. As per the IRS code income is defined as stocks and property.
Does my signature with my name and social security number give them access to the Treasury window to get paid?
Is the statement ( nowhere does it state bill ) they are sending me, actually of a dividend check ( bottom part ) and bond ( top part ) of a T-Bill that was created from my credit card account in the Treasury 's Primary Market Auction?
Am I supposed to stamp it according to 31 CFR 328.5 and 328.6, and endorse the back of dividend check?
What does it mean to write over my security rights? Does this deprive me of lawful income and the IRS of lawful taxes? Did they furnish me with all the relevant and necessary information to make an intelligent and informed decision concerning this matter.
I understand that I gave them implied consent by participating in their automatic payment programs, and giving them access to my bank accounts.
Having said this, I have questions now that need to be answered, after all a contract is only valid if both parties are properly informed, and both parties sign the contract. I have since then rewritten my contractual agreement, and sent it to their legal department via certified mail.
There also is a mandatory arbitration clause in Citigroup ( Citibank 's parent company ), nobody has offered me arbitration.
This is also potential security fraud and tax envision, and falls under FINRA regulations, and needs to be heard there. Citibank is considered a foreign liability company with its headquarters in Delaware and is governed by the UCC.
They kept charging me interest and late fees even though we entered a billing error, and took adversed action against me by suing me and closing my credit card which is a violation according to 15 USC 1666 a and 12 CFR 1002.2, UCC 3-603 and 3-604 ( They never returned my stamped and endorsed financial instrument which is sent registered mail ).
As a federal protected consumer I have a right to ask these questions, and have them answered in an honest and respectful manner. All my purchases were for home and personal use only.
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| 01/21/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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In XX/XX/XXXX, I met with a XXXX XXXX XXXX salesperson to buy an AC system. She convinced me to get a XXXX XXXX XXXX. I ended up buying and spending $ XXXX to buy 5 units, 1 big compressor and have it all installed with insulation. Here is where the issue starts. Although the sub contracted AC company that installed my Units were very nice, the job they did initially was terrible. They left a crack in my ceiling, and they did not professionally cover up the wholes they made to have lines for excess water to drip out. I had to email XXXX XXXX XXXX back and forth multiple times to try and get the issue resolved. The Supervisor came out and they redid the work they initially completed. Then came the insulation. It was a 4 week period in between all this. During that time, my AC system would display a " - - " on it 's display. This was a brand new XXXX system just installed. As in 3 weeks old and already the unit was shutting down and not blowing cold air. I called the AC subcontractor and he was nice enough to come out but couldnt find anything wrong. This happened on multiple units. Not just one. All during this time, XXXX XXXX XXXX did not really understand why I was getting frustrated. The insulation was installed, but again, not the best of jobs. Again, during this time period the system would shut on and off and there was no explanation. Again, it would shut off with no explanation and I would have to flip the breaker to get it to try and work. Again, XXXX XXXX XXXX has not been helpful at all. I literally financed the cost of a brand new vehicle to try and fix my living condition, and instead im sweating in my house because Sears genuinely does n't care. I tried asking for a Manager 's email and the Installation Scheduler from Sears would not give me their manager 's email. $ XXXX of that is for a 5 year master warranty from Sears because they promised to take care of any issues. Then, Sears sent out the contractor to check the unit. They sent out the original installer to check the unit. He said he could not find ANY issues. Sears then sent out a second contractor so they could validate my " warranty claim ''. During this visit, the contractor found rodent droppings and said that the wires were chewed. This was a completely different finding from the first contractor. The 2nd contractor took photos. When I asked Sears for photos of the first visit, they could not provide any. This is where it does n't add up. How did the rodents get into a condenser unit? The installers who initially installed the unit even took the time to mesh the pipes so rodents could n't get in. This leads me to believe that either the initial contractor who inspected the unit may have left an opening up, or they never checked the unit initially. Sears DID NOT provide proof of the initial inspection of the unit nor proof. So I have no idea what happened in the 4 days between the first visit and second visit. Also, I contacted Sears multiple times and they never provided me the dates of the visit or Photo proof. I then contacted Citibank, the creditor to file a dispute. When I filed the dispute, Citi went off of Sears letter. I want to know if and when did Citi conduct its own investigation. I was never asked for documentation or any information. From the generic letter that Citi sent me, it seems that they just went off of what Sears said. Citi never addressed the fact that Sears HAS NO PROOF of the first visit and the condition of the unit. They did not address the fact that Sears refused to send proof or respond in a timely fashion. They never contacted me for any information. It seems as if they just went off of Sears 2nd set of photos, but never conducted a full investigation. It seems odd that the first contractor would not take photos of their work or the unit to submit information for, but that the second contractor would. I have included transcripts of the emails between sears and I, and the generic letter from Citi. It is almost 5 months since I bought the unit and no help or anything. Please keep in mind that I bought an additional $ XXXX warranty that was sold to me and Sears did not honor it.
|
| 07/27/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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This is very horrible and bad experience day I never have before. I was checking my online banking someone access on my account to do wire transferred. Normally I checked my online banking twice or three time in a day to see any transaction isnt normally. So thats why I catches them immediately.
On XX/XX/2022 around XXXX. The scammer is access on my bank account to wire transfer with {$50000.00}, around XXXX the scammer took second action wire transfer with {$30000.00}. The third transferred is around {$75000.00}. And I was going to my local Citibank immediately around XXXX. And let the local bank manager knows who name XXXX XXXX XXXX and let her knows someone access on my bank account and wire transfer without my any acknowledge. The Citibank assistant branch manager is working so hard and check my account, and tried to recall the funds. But the first and second funds has been sent to scammers bank which is XXXX XXXX XXXXXXXX and XXXX XXXX. And third one had been catch back. We did file the case to fraudulent department associate on citibank said they will be contacting their bank to recall the money. It is under investigation. During the time, me and XXXX XXXX XXXX opened an new account at the same time. And also she is showed me the scammer is using different email address that I am not familiar. She is deleted immediately and changed back to my old email address. After we completed open an new account. We are trying to transferred the {$75000.00} from the old account to new account. XXXX saw her computer and checked the scammer is trying to do another wire transfer around XXXX. She is acting immediately to call the main office to recall those money, and transfer to my new account immediately. I was very unhappiness someone is tried to clean up my bank accounts funds. The Citibank is under investigation and provided me two different case number one is $ XXXX case number : XXXX XXXX {$50000.00} case number : XXXX XXXX XXXX The Citibank has been compound two case number with one case number of XXXX. Total amount of {$80000.00}.
Contact number of Citibank ( XXXX ) XXXX ( Option 8 ). Fraudulent department of Citibank.
Afterward I am feeling depressed went back to home and call the local police and explained to them the situation for today.
The police gave me a case number XXXX : email address : XXXX On next day XXXX XXXX. When I was doing on gym aXXXX XXXX at XXXXXXXX. Someone access my information to open a credit card on XXXX XXXX. Lucky me that my mobile phone had been set up XXXX XXXX and XXXX and alarmed me someone applied credit card around XXXX. And I called the police again and filed police report immediately. The police put it at the same police report with addition addendum on the case. Next day on XX/XX/2022. I stopped by on XXXX XXXX and showed them. There is someone using my information opened a credit card on your bank. They did research and found out it is on processing. And they are going to cancel the application immediately. I called my credit companies : XXXX and XXXX to frozen my credit. And I stopped to my phone to changed the updated phone number and email address.
XXXX XXXX XXXX XXXX number : ( XXXX ) XXXX Email Address : XXXX Address : XXXX XXXX XXXX. XXXX XXXX, CA XXXX The scammer company is called XXXX XXXX XXXX.
Besides, I also reported to XXXX news. If you need their help for my case.
Reported Local police officer ; XXXX XXXX ; Federal Trade Commission XXXX FTC ). There is reported number on attachment.
P.S.
We have reported XXXX XXXX channel and XXXX news. There have XXXX victims of wire transfer with unauthorized. We are looking for attorney who is takeover the case with contingency contract. Please let me know you want to takeover the case. The case is going to help your law-firm reputation. You might need to show up with media to present all of us to file lawsuit against to Citibank.
XXXX XXXX : Email address : XXXX KTSF XXXX : Email address : XXXX Email address : XXXX My update mobile number is ( XXXX ) XXXX My update email address is XXXX If you have question. Go ahead and feel free to contact me Sincerely XXXX XXXX XXXX
|
| 06/08/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
On XX/XX/XXXX I mailed a check for the full balance due {$38.00} The payment was received late and we were charged a {$29.00} late fee.
It was due XX/XX/XXXX but was received on XX/XX/XXXX.
On XX/XX/2020 I called Macys and was on hold for over 1 hour. Then when I did get a representative, I asked for a waiver of the late fee. I was put on hold, then the call was disconnected by the service rep.
I went on the companys website requested a waiver of the late fee.
Request on XX/XX/2020 XXXX XXXX ET I would like to request that the {$29.00} late payment fee be waived.
I mailed my {$38.00} payment before the due date but it must have arrived a day or two late.
I was charged {$27.00} late fee plus {$2.00} minimum interest. Things have been hard enough due to being under a stay at home order for COVID-19.
Please consider crediting my account {$29.00} to reverse this fee.
Thank you.
I received an automated response the same day, never any other correspondence.
Response XX/XX/2020 XXXX XXXX ET Dear Valued Customer, Were working hard to support our customers during this challenging time.
At this time, Customer Service agents are currently not available to assist customers via email. However, rest assured that many of your questions can be answered by visiting our Customer Service Help & FAQs available online at https : //www.customerservice-macys.com In addition, you can easily access your account 24/7 via our website and view your balance & statements, make payments, sign up for paperless statements, enroll in automatic payments and more.
We appreciate your patience and understanding during this global crisis.
Please do not reply to this email ; this notification is automatically generated.
Sincerely, Macy 's Credit Customer Service www.macys.com Now you can pay your bill on-line at http : //www.macys.com/mymacyscard On XX/XX/XXXX I paid the late fee {$29.00} online from my bank account On XX/XX/XXXX I cancelled our account with an online secure message Sent VIA secure email on XX/XX/2020 XXXX XXXX ET I have initiated a payment of the {$29.00} late payment fee because I did not receive a response to my request and I can not reach anyone by phone.
My time is too valuable to squabble over a {$29.00} fee.
Please CANCEL MY CARD as of today, XX/XX/2020. You have not supported our account with even the minimal customer service that I would expect.
I waited over an hour to speak with a representative the first time and he put me on hold then hung up on me. I sent the following message with no response, other than a computer generated response saying you received my message.
We are fed up with this poor service and I would have even considered staying a customer if you responded no to our request. However, no response is inexcusable and I am certainly not happy with the experience at all.
Our credit history is excellent and we expect merchants and credit companies to work with us because we have a long history of paying our debts in a timely manner.
Response XX/XX/2020 XXXX XXXX ET Dear Valued Customer, Were working hard to support our customers during this challenging time.
At this time, Customer Service agents are currently not available to assist customers via email. However, rest assured that many of your questions can be answered by visiting our Customer Service Help & FAQs available online at https : //www.customerservice-macys.com In addition, you can easily access your account 24/7 via our website and view your balance & statements, make payments, sign up for paperless statements, enroll in automatic payments and more.
We appreciate your patience and understanding during this global crisis.
Please do not reply to this email ; this notification is automatically generated.
Sincerely, Macy 's Credit Customer Service www.macys.com Now you can pay your bill on-line at http : //www.macys.com/mymacyscard On XX/XX/XXXX, I received an email notifying me that we have a new statement with a balance due of {$2.00} The due date is XX/XX/XXXX. This was a Minimum interest charge I am fed up with this company and will not pay any more fees and or charges!
|
| 08/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
When I received my Citibank Credit Card Statement of XX/XX/2018, I noticed that on XX/XX/2018, I was doubly charged for {$630.00} for my Auto Insurance Policy. I initiated a dispute with the Citibank which got resolved and they returned one of the charges of {$630.00}. So I thought everything was ok, until I received any invoice from my Auto Insurance company saying I owed them {$630.00}. Of course, I call them to find out what's going on and I find out the following ( after many calls to both the insurance company and Citibank ) : XX/XX/18 the auto insurance company did charge me twice, but when they realized their error, they refunded Citibank back {$630.00}. When I started the dispute on XX/XX/18, that caused a charge back and Citibank went and took another {$630.00} from my auto insurance policy, now making it look like I owe my auto insurance company, when in fact, I paid them back in XX/XX/XXXX using my Citibank. After numerous telephone conversations with my auto insurance company and Citibank, on XX/XX/2018 Citibank acknowledges that it did have the money that was refunded by my auto insurance company and that it's going to send it back to my auto insurance company and that I would get an email within 3-5 days confirming that this is being done. I explained to Citibank 's Dispute Dep Representative that I need this email to forward to my auto insurance policy, so that they don't cancel my auto insurance policy. She assured me that I would receive that email between 3-5 business days, which meant I could forward that email to my auto insurance company and not have my insurance cancelled. After 5 days, I didn't get an email, so first, I called my auto insurance company and they had not received any money from Citibank as of yet. So then, I called Citibank 's Dispute Dept and now they said, I would get that email in the next 24 hours and that email would have the instructions on how my insurance company can get the money from their merchant bank, since the money gets sent to the insurance company 's merchant bank. So I waited another 24 hours and I still didn't get the email that I was promised. So, today, XX/XX/2018, after 7 business days of the initial request, and still no email, I called Citibank Dispute 's Dept and ask to speak to a supervisor and I am told that it will take another 7 business days to get that email! Are you kidding me??? It will now take 14 business days for Citibank to email me a letter stating that they are sending the money back to my auto insurance company. The money was due on XX/XX/2018 to my insurance company, but if they have this email stating what's going on, they won't cancel my insurance policy. After explaining this to the various representatives and supervisor of Citibank 's Dispute Department, their position is that there is nothing they can do! HOW IS THIS ACCEPTABLE? HOW IS THIS FAIR? AND HOW IS THIS ETHICAL? I stand to lose my insurance policy, when I paid it on time back in XX/XX/2018. How is this ok for a company like Citibank not tell me that they got a refund in the first place? Because had I known that, I would have not started a dispute that caused the charge back. Why does Citibank, who has had the refund since XX/XX/2018, not inform me of this refund and try to figure out where this money belongs? And now that I ask for a simple email to confirm that they are sending it back to my auto insurance company, I have to wait 14 days to get it, and there's still no guarantee that I will get it in 14 days! According to the supervisor of Citibank 's Dispute Dept, the investigator drafts up the email and the legal department has to approve the email?? And this takes 14 days?? And what's there to investigate? The money was refunded to Citibank, Citibank was holding on to it for almost 60 days without notifying me and now it's going back to the my insurance company, but only because of the dispute I started. The legal department has to approve an email regarding {$630.00} of money that never belonged to Citibank in the first place? CITIBANK IS RIDICULOUS, UNFAIR AND UNETHICAL. SHAME OF CITIBANK FOR NOT DOING RIGHT BY THEIR CUSTOMERS!
|
| 08/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I went online late XXXX contacting a company I believed to be Home Depot in an effort to do the first ever badly need remodeling of a kitchen in a home purchased in the early XXXX 's. A lady, stating she was an architect, sketched out a plan ( see attached ) which initially would have cost {$4400.00}. The kitchen was actually too old by anyone 's observation to do a partial remodel and as I had {$4000.00} on hand decided to go all the way to keep it consistent with the help of refinancing as explained by her. It took quite a while to actually get the project started as I didn't have a lot of money.
About XX/XX/XXXX I decided to go ahead as in addition to mold under the sink, the kitchen also had a gas leak and large rodents were coming from the garage below through a gaping hole under the sink and intrude the dining and living rooms. The person who came to do measurements took pictures of the existing kitchen and then I was informed Home Depot would not do any kitchen installation as they could not assume liability for any labor which would not remain intact, such as the new sink falling through a hole in the floor. I hired a contractor who removed the walls, reinsulated the area where the work was to be performed, painted and then I gave them a call to start the project.
Within a month, after installation, the cabinet doors above the stovetop began to warp from the heat. Two shelves also came loose and so the third-party contractors XXXX came, replaced the doors and tightened the shelves. However, the situation happened again, this time XXXX had to hoist the shelves back to where they used to be. According to the actual Home Depot store, I should not have gone online, the architect had ill advised to drop the cabinets - rather than stand on a chair for the convenience of the occupants - and that it was standard industry knowledge that shelves should be a certain distance up from the stove.
A new problem surfaced despite many visits and calls to correct the heat situation. Water started to seep from behind the kitchen sink into the same area underneath where the contractor had replaced the rotten and molded wood. It became so bad in a short time Home Depot, at no cost, removed the brand new cabinet countertop and back splash ( which was completed rotted ) and replaced it with another of the same material. Before the second attempt to restore the countertop our home was invaded by dozens of tiny flies and to this day a cloth has to be placed behind the faucets to assist with water seepage.
I have incurred several hundreds of dollars ' worth of expense to make this project work, I had to pay plumbing expenses as XXXX XXXX would only disconnect but not reconnect the gas pipe. I also paid for two plumbers on separate occasions, one to install the water pipes and then again when the first signs of water damage became evident, and next when another plumber was hired to install the water pipes again. Electrical work was also a separate charge.
Despite exhaustive efforts, the bottom line is the materials used to rebuild the kitchen could not replace the original wood. On the surface it really looked nice, but the kitchen has now degraded to the point where its back to mold and mildew, is no longer upright as normal water use has caused the material to buckle as it loses its shape.
We were told we over use the water, were careless in wiping up the countertop and basically meant to feel we were at fault, therefore I took XXXX XXXX DBA Home Depot to court and sued for the amount quoted to try and again fix the problem. A check for {$2900.00} was mailed XXXX and deposited. At the arbitration I asked whether the check was towards the remainder of the bill and was informed the matter was " Done ''.
I am now receiving letters from Citibank for refinancing payment. I received a letter indicating I could settle for {$3000.00}. At the close of the court date, it was the intention to pay for the entire project without incurring a single interest charge until it became evident that an entirely new kitchen cabinet has to be ordered again and I only had {$2300.00} left to pay.
|
| 12/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My ex-wife forged promotional checks in XXXX against my Citibank " Diamond Preferred '' ( ending in XXXX ) and Citibank " Thank You '' preferred ( ending in XXXX ) credit cards for her own personal gains without my consent or authorization. I immediately reported the incident to local authorities in XXXX, CT Case # XXXX. She was arrested on XX/XX/XXXX after several months of an investigation involving several other credit cards and checks forged in my name. A warrant was issued for her arrest by the DEA on XX/XX/XXXX and she was charged with third-degree larceny ( four counts ), forth degree larceny ( three counts ), fifth-degree larceny ( five counts ), sixth-degree larceny ( two counts ) and second-degree forgery ( nine counts ). Her family posted her bond for {$25000.00} USD. Her judicial case is docket number XXXX.
Charges included 4 promotional checks forged on these dates and for the corresponding amounts ; 1 ) On XX/XX/XXXX check forged for {$600.00} ; 2 ) On XX/XX/XXXX check forged {$500.00} ; 3 ) On XX/XX/XXXX check forged for {$1500.00} and ; 4 ) On XX/XX/XXXX check forged for {$1000.00} USD. In aggregate, a total of {$3600.00} ( not including transaction fees ) was charged against my Citi " Thank you '' account.
Charges also included 5 electronically forged check requests without my permission or consent. According to the Citibank " Diamond Preferred '' customer service people, my ex-wife logged-into my accounts on the internet as me and re-routed all the passcode information and details to her personal XXXX and other electronic devices to hide the fraudulent activity. My ex-wife even re-routed statements to go paperless to her personal email address ( XXXX ) and then waiting one billing cycle before initiating her multiple acts of larceny. She electronically requested access on the internet to increase the existing credit limit from {$13000.00} to {$17000.00} USD, without my permission or consent. Once the access to money was increased and granted, she nearly maxed out the available credit card balance by eliciting checks and cash advances valued at {$16000.00} ( from XX/XX/XXXX to XX/XX/XXXX ) without my permission or authorization. In my mind, the balance of this account was paid off in XX/XX/XXXX, so I was not alarmed when I stopped getting statements. At that time, I assumed Citibank did not send out statements for this account because there was a XXXX balance. The electronically requested checks were for the corresponding amounts ; 1 ) OnXX/XX/XXXX check for {$3000.00} ; 2 ) On XX/XX/XXXX check {$3000.00} ; 3 ) On XX/XX/XXXX check for {$5000.00} ; 4 ) OnXX/XX/XXXX a check for {$1200.00} and ; 5 ) On XX/XX/XXXX check for {$4000.00} USD.
In all cases, these fraudulent charges were never removed from my account despite my fraud claim # XXXX and arrest actions taken by local authorities. I've provided all this legal information to the credit card company and I call almost daily to remove the charges I did not authorize ; especially since the arrest. I've sent information multiple times to Citibank through the required fax numbers provided, but I get no feedback because no one in their organization will contact me via email to help resolve. I continue to make minimal payments not to ruin my credit history and sadly I've been a devoted patron to Citibank for over 10 years. They are not responding to reason and I need to continuously explain the scenario and circumstances to a new individual every time I call, even though they claim that each call is recorded and the customer service or fraud representative I speak to claims to allegedly be taking copious notes and actions toward resolution.
I want Citibank to remove all the fraudulent charges I did not authorize from both of my accounts. I've clearly taken legal actions by pressing charges and an arrest has been made. I've even divorced the woman for these actions. I am starting to feel like Citibank has a strategy to keep prolonging resolution and denying my claims to get me to give-up and pay for the unauthorized charges. I am truly at my wits end so I am turning to the CFPB to help me resolve.
|
| 09/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Hi!
I am struggling with Citi bank for my credit card payment process. On XXXX, I changed payment checking account for credit card bill on citi website from XXXX bank to XXXX XXXX XXXX account since I was planning to close XXXX bank account. Then I received a confirmation email from CITI.
Here is the email Costco Anywhere XXXX XXXX XXXX Unsubscribe To : XXXX # # # # Fri, XX/XX/XXXX at XXXX XXXX Summary of the recent Citi Online session.
CONFIRMATION Citi Costco Wholesale Lock Icon XXXX # # # Cardmember since 2014 Card ending in # # # # Thanks for using Citi Online Hi, XXXX. Here 's a summary of the recent Citi Online activity for your Costco Anywhere XXXX.
An Online Bill Payment account has been added A payment account ending in XXXX has been successfully added for Online Bill Payment.
This action may have been taken by an authorized user. If so, only they will be able to make payments from this payment account.
An Online Bill Payment account has been removed A payment account that was previously stored for use in the Online Bill Payment Program has been removed. Payments can no longer be made from this account.
Please note that this action may have been taken by an authorized user on your account.
Questions?
If you have questions or the above was not authorized, please contact us at XXXX. For TTY : Use XXXX or other Relay Service.
Please note : Depending on the activity taken in Citi Online, and when those activities were completed, you may receive additional emails.
Citi is at your side before, during and after every purchase.
Your Citi Team After I received this confirmation email, of course I think everything is clearly changed. It says that I switched to my new checking account information, then also it states that my previous checking account has been removed.
However, XXXX was the auto payment date for the credit card bill, then citi accessed my old bank account at XXXX bank-that I removed on XXXX. It occurred overdraft fee {$30.00} from XXXX bank. I did not realize right away until I got a call from XXXX bank on XXXX around XXXX in XXXX XXXX XXXX They told me I do not have enough fund to pay the bill from citi bank, and this was their XXXX attempt. I told them I no longer deposit at XXXX, I switched to XXXX XXXX XXXX. Citi should not access my account at XXXX.
So, I called the customer service at Citi credit card bill payment department. I talked to a staff whose name was XXXX, and she told me that their system had my XXXX checking account and it is linked to my payment. I told her it must be an error that your system had, because when I logged-in citi website XXXX it clearly showed only one linked account, which was Bank of Hawaii XXXX She seemed to be confused and told me she should waive return fee from Citi bank. But I told her Citi was responsible for my bank 's overdraft fee. She said she couldn't help it.
I was going to understand her, however, I got another call on XXXX from XXXX bank saying that Citi sent payment bill AGAIN, and the teller told me she would return it again and it would be {$30.00} return fee. So, total {$90.00} fee occurred from Citi bank 's system error.
I called again to Citi customer service, and they told me that it was because citi sends payment request to the bank 3 times. So, I explained that I called on XXXX for the same issue then happened again. I requested to pay me overdraft fee from their system error.
But, I was told that it happened because I only updated payment information, not auto payment. They told me those are 2 different payment information. I told them no, when I logged in, auto payment preferable account was bank of Hawaii. Your system has a glitch. I also mentioned my e-mail clearly that I received on XXXX.
I am very concerned that my account was not correctly on their system, even though it does not show on my account page. They are blaming me for not updating correctly without clear information. I'd like them to pay all the cost that occurred from this.
I really appreciate your time for reading such a long e-mail. Please help me to resolve this problem.
Sincerely, XXXX XXXX.
|
| 05/17/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
I am writing his letter in hopes that you could help with the abusive and fraudulent practices of Citibank/ Sears Department store credit card.
In XXXX of XXXX, a Sears card was opened without my knowledge, consent, or permission. Since then, my credit has been destroyed by a delinquent account that I did not know existed. For months, Sears was sending statements with my name on it. Since I did not have an account with them, I immediately discarded the envelopes as junk mail. My wife eventually opened a letter and observed we were days from going to collectionon an account that I never opened.
I attempted to resolve the matter by calling their customer support line. They transferred me to their fraud department and assured me the matter would be resolved. Approximately 1 month later, I received a letter stating that my claims were unfounded and I would be responsible for the charges. I was furious because nobody from their fraud department called to actually take my statement. They just went off the few questions asked by the customer service representative. To make matters worse, late charges continued to compound during their investigation.
I spent the next 3 consecutive days ( about 1.5 hours PER DAY ) on the phone with the customer service line trying to clear this matter. I spoke to the fraud department and requested to speak to an investigator. They opened a new fraud claim and assured me I will speak to an investigator. Unwilling to allow my credit to be further destroyed, I asked to pay my account off in full. She indicated I owed approximately {$250.00}, but stated she could remove some late fees. An agreement was made that if I pay {$11.00}, my balance would be paid in full and my account would be closed. Both parties clearly understood that I still intend to dispute the accounts legitimacy, but I was only making the payment to stop the harm thats being done to my credit. On XX/XX/XXXX, I paid {$110.00} and was told my balance was paid in full.
Approximately 1 month later, I receive a statement indicating an {$80.00} balance was 2 months delinquent. From this point on, all conversations were recorded on my end with their knowledge and consent. I spent the next 5 consecutive days to customer service that offered absolutely no help. Every single call ended the exact same way. After 1.5-2 hours, I was informed that they were unable to help me at their level. They attempted to transfer me to management, but nobody answered. They took my information and assured me I would receive a call within 24 hours. Nobody ever called me. My final conversation on XX/XX/XXXX ended with a promise that I would receive a call from the fraud department within 24 hours. The call never happened. Once again, I paid over {$45.00} to stop my credit from being harmed with the understanding that my balance is paid in full and I may still dispute the legitimacy of this account.
On XX/XX/XXXX, a letter was sent stating my I am responsible for the charges for the following reason : You had knowledge of this debt and your actions indicate the same when you failed to call or question the resulting account of charges.
My knowledge of this account is only due to the 25 letters received in the mail!
There are two matters I am requesting your assistance : 1 ) I am disputing the legality of this account. I am requesting a full reimbursement of all money paid into the account, and a reversal of any damage done to my credit rating. I assure you they will be unable to provide any credit application with my signature on it. I never gave them my information, nor have I given permission to open a Sears card on XX/XX/XXXX.
2 ) Read the transcripts and listen to the recording on XX/XX/XXXX when I was assured that {$110.00} would pay the balance in full and my account would be closed. After this agreement, how is it legal to tack on another {$80.00}?
I have very good credit and always pay my bills. This company is so frustrating. Ive spent over 40 hours on the phone and have never spoken to anyone who has the power to help. Any assistance would be greatly appreciated. Thanks so much for your time.
|
| 06/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This complaint is in regards to a billing dispute Citibank case ID # XXXX On XX/XX/XXXX I created a billing dispute for a purchase made using my Citibank card on XX/XX/XXXX but the product never arrived from the merchant. I wrote to Citi that non delivery of purchase was the basis of my billing dispute because I will not pay for something that was never delivered.
I contacted the merchant XXXX by telephone, 3 times and left messages each time on their answering machineNot one time did a person return my call in regards as to why the product was never delivered on the date promised.
On XX/XX/XXXX, XXXX/XXXX, and XX/XX/XXXX I emailed the merchant as well to inquire why the product was never delivered and to let them know the situation had gotten well beyond the 14 day delivery date. Again not one time did the merchant respond to my emails.
On XX/XX/XXXX Citibank sent me a copy of the merchants reply to my billing dispute and Citibank preceded to close the case and hold me responsible for the charge, based upon afraudulent tracking number the merchant provided them as some kind of proof of delivery.
On XX/XX/XXXX I wrote a letter in response to the fraudulent tracking number that the merchant had given Citibank please read below : This is my notice that I reject the merchant 's proof of delivery as insufficient and possibly fraudulent.
If you enter in the tracking number given by the merchant at the shippers ( XXXX XXXX ) site, it clearly states, XXXX XXXX only received shipping info.
XXXX XXXX shipping website indicates it never received a package for delivery from the merchant.
Tracking # XXXX XXXX XXXX XXXX XXXX XXXX /XXXX There is no delivery date, delivery time and delivery address indicated in the merchants ' tracking evidence. The destination says only " united states '', no where on the merchant 's evidence does it state my address. That's a big problem.
If you enter in the tracking number, I was sent at the merchants own website XXXX XXXX which is now XXXX ), they too have a progress tracker for shipping and it too shows that no package was delivered and that the shipper XXXX, never received the package to begin with. Progress tracker is listed as shipment info received, there is no delivery date, ship to name or address.
XXXX XXXX XXXX Special note : Website of the merchant was taken down and renamed, right after I created this dispute with Citibank, which is highly suspect. They are no longer XXXX, they are now XXXX attached is an email with a tracking number showing they were XXXX.
In short, Citibank closed a case based on a random tracking number that the merchants own shipper denies having even received the product to ship therefore the tracking does not specify a shipping address, date and time of delivery, nor a ship to person name.
I caution, Citibank is opening up the banking system to a world of fraud if all a scam company has to do is generate a tracking number at a shipping company, never deliver the package to the shipping company nor provide ship to name and address, then use only the tracking number as evidence of delivery and banks such as Citi would allow merchants to win billing disputes in this manner.
A Tracking number alone does not mean an item has been given to the shipper, or that address, name are correct and delivery was made.
Another complaint I have is that Citibank is not reading any of my evidence documentation sent in order to support my case. I believe this for two reasons, first example, is the failure to check the validity of the tracking number.
Second example, on XX/XX/XXXX, I sent in more supporting documents to show that tracking number is fraudulent, and I sent it under the original previous correctID # XXXX. The automated system simply flagged it as a new case, instead of an addition to the original ongoing dispute, and sent out a form letter that this billing dispute could not be resolved because it was a new case past the time limitations of a new complaint .clearly my documentation never got reviewed by an actual person because it was not a new case, it was an addition to the original one.
|
| 12/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
On XX/XX/23 I tried to do a balance transfer of {$5400.00} from my XXXX XXXXXXXX XXXX card to my Citibank card because Citibank was offering 0 % interest. To perform the transfer using the Citibank app, they obtain your credit information by scanning a photo of your credit card then issuing the payment. After a few days, I noticed the balance had not moved from my XXXX XXXX XXXXXXXX Card so I contacted Citibank to find out what happened with the transfer and they say the transfer had gone through successfully, to which I explained to them it had not so they temporarily reversed the charge while they investigated. During this time, I believed they had corrected the issue so I initiated a new transfer for {$5000.00} which went through successfully. On XX/XX/23 Citibank then reversed their decision again and recredited my card with the initial {$5400.00} transfer plus a {$270.00} balance transfer fee. I called Citibank several times speaking with different representatives who all told me that the transfer had been issued and that I had to resolve with XXXX XXXXXXXX XXXX. I then called XXXX XXXXXXXX XXXX who had no record of a balance transfer of {$5400.00} from my account. They also told me that since they have no record of the transfer on my account, they can not do anything so I called Citibank back and the representative I spoke with confirmed that the credit card number was incorrect on their end, but that payment had already been sent and that XXXX XXXXXXXX XXXX had to resolve the issue. I called XXXX XXXXXXXX XXXX back and they again told me that they could not do anything because they have no record of the transfer, and the representative offered to remain on the phone with me while I spoke with Citibank. So I called Citibank back again with the XXXX XXXX XXXX representative on the line, the Citibank representative told me that it was my problem because I had entered the account number incorrectly, which I told him was not possible because I scanned my card via the Citibank app so they had an actual photo of the card number and name on the account. The representative even suggested to me that I reach out to the person who received my funds and request them to send them back to me, to which the XXXX XXXXXXXX XXXX representative even laughed and said that's not possible for two reasons, 1 ) they don't have the information of who the funds were sent to and 2 ) even if they did, they can not provide me that information. The XXXX XXXXXXXX XXXX representative even requested that Citibank work with them to obtain the account information so they can investigate on their end and the Citibank representative told him they can not give out that information.
I've filed complaints with the XXXX XXXX XXXX and the FDIC and on XX/XX/23 I did receive a call from Citibank stating they would correct the matter and I assumed it would be taken care of, but it is now XX/XX/23 and it still has not been resolved.
To make matters worse, Citibank took back {$3500.00} of the successful {$5000.00} transfer on XX/XX/23 which has not been applied to my account as of today. So not only do they owe me {$5400.00} from the failed transfer, but now they also owe me {$3500.00} of the transaction they took back. All the while I am paying to have these balances on both my Citibank and XXXX XXXX XXXX credit cards. This issue also has me over my Citibank credit limit therefore Citibank is demanding a minimum payment of {$1900.00} to get my account under the credit limit. I would not be over my credit limit if they had taken care of the initial error.
I want them to refund the amount they owe me plus the balance transfer fee associated to the failed {$5400.00} transfer. I also want the {$3500.00} that they took back from XXXX XXXX XXXX from the {$5000.00} transfer. This has been going on since XX/XX/23 and it is ridiculous that it has taken this long to resolve. I can't reach anyone other than their extremely unhelpful customer service representatives, who when I requested to speak to a supervisor or someone higher up, they flatly denied.
If this is not resolved, I will be taking legal action.
|
| 06/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My husband and I are in the process of bankruptcy PRO SE, so there is no attorney involved. However, we wanted to keep ( reaffirm ) our mortgage with Citimortgage ( CM ). On XXXX XXXX, I called CM and spoke with XXXX. She informed me to email their reaffirmation dept. & explain that we wanted to reaffirm the mortgage. I also wanted to make a mortgage payment, which she took the information for. Approximately a week later I wondered that CM had not withdrawn the mortgage payment from our bank account. The Reaffirmation Hearing was set by the judge for XXXX XXXX for all reaffirmations. We did not hear anything from CM. In the meantime I had already signed the reaffirmation papers in 2 days on 2 other debts, our vehicle & another loan. It was very easy. On XXXX XXXX, I called CM again to inquire about the status of the reaffirmation. XXXX told me the reaffirmation process was halted due to that we had not made a payment. I told her yes, we had, through XXXX. Upon further investigation, XXXX discovered the payment had not been processed by CM. She told me I could make a new payment, which would bring our account current, & that I needed to re-email the reaffirmation dept. to let them know again that we wanted to reaffirm. XXXX said if I did n't hear from CM within 3 days to call again. On XXXX XXXX, I called CM & spoke with XXXX, letting her know we had not received any reaffirmation papers to sign. She told me that the paperwork was in processing, but the person in charge of it was out of the office for the entire week. I asked to speak to a supervisor/manager. The supervisor said they had contacted the supervisor of the person who had been working on the case & the paperwork would be expedited. I should receive it Monday, the XXXX. On XXXX XXXX, I called CM again & spoke with XXXX. She told me the paperwork was in processing & I should receive it soon. On XXXX XXXX, I spoke with XXXX, as well as a " specialist, '' XXXX. They told me the paperwork was back from my attorney & was completed. I told them I had no attorney, & had not received any paperwork, let alone sign anything yet. XXXX pulled up the paperwork & said he was puzzled because the paperwork, in fact, was not signed. He said he would email the dept. to immediately email me the paperwork for our signatures. He said if I had not received by the following day to call again. XXXX also told me the bankruptcy dept. was having a lot of problems. On XXXX XXXX, I called CM to explain I had STILL not received or heard anything. XXXX told me I should receive the paperwork Monday, XXXX XXXX. I explained I was very worried, because after promise after promise had been broken by CM, I was not confident in receiving the paperwork on Monday, and the hearing was Thursday, for which the judge needed the paperwork ahead of time. After being placed on hold a couple of times, XXXX returned to let me know I needed to call CM 's attorney for the case, & she gave me the number for them. I called the attorney. I was given to a voicemail to leave a message, which I did, but I was getting worried that time is running out & I needed to talk to a person, not leave a voicemail. I called CM back & spoke with XXXX. She said they could do nothing more for me other than pass me off to the attorney & suggested I try calling the attorney again. I called the attorney again. The receptionist said the only thing I could do was to leave a voicemail because they were representatives for CM, not for me. The person I left a voicemail for would return my call, but only to tell me that they could not talk to me as they represented CM, not me. I called CM a third time & spoke with XXXX. I explained that CM is telling me to call the attorney & the attorney is saying they will only speak with CM. So could someone from CM PLEASE call the attorney to get the paperwork to me asap? I told her I can not get the mortgage reaffirmed after a whole month of trying, & all I get from CM is to call the attorney, & the attorney is saying for me to talk to CM. XXXX rather rudely told me there was nothing more they could do. We do n't even know where to go from here...
|
| 10/12/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
RE : REVOCATION OF CONSENT/AUTHORIZATION FOR RELEASE OF INFORMATION Dear XXXX DSNB : I disputed this with all of the credit reporting agencies and they say you verified it yet I received no sworn verification from you. You are not allowed to just claim something is verified and not provide the actual documentation and sworn affidavit of verification. Failure to do so is and NOT verified! Thats what the courts say, so I reject your claim of verification for this alleged account.
I am requiring you to remove this from my credit reports pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) because in order to be compliant with this section of the FCRA, you were REQUIRED to get my consent in writing to collect any information, to make any communication about any account on my credit report. I have NEVER consented to your communication on my credit reports.
I am also Opting Out of the sharing of this non-public personal information with non-affiliated 3rd parties pursuant to the Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. Credit reporting agencies are non-affiliated 3rd parties. I am attaching a brief on the GLBA and Privacy Act highlighting what I am saying.
By this notice, debt collector and/or Alleged Creditor, including its/their principals, agents, assigns, employees, shall comply with the provisions of the Gramm-Leach-Bliley-Act, 15 USC 6802, 6803 the Privacy Act of 1974, as lawfully amended at [ 12 USC 3401 ], the Right to Financial Privacy Act of 1978, as lawfully amended at [ 5 USC 552a ], and the Third Party Summons Act special procedures [ 26 USC 7609 ], for assisting the Respondent in keeping inviolate certain constitutionally protected privacy rights and guarantees, and from preventing encroachment thereon, also Opting Out of any and all non-affiliated third party reporting of any kind of my personal identifiable information.
By this notice, debt collector and/or Alleged Creditor, including but not limited to principals, agents, assignees, employees, shall comply with this demand ; debt collector and/or Alleged Creditor, shall provide Respondent with a copy of any express written authorization from Respondent, whereby debt collector and/or Alleged Creditors authorized for disclosing/divulging/sharing, any type or kind of my personal identifiable information with any non affiliated third-party, in any manner, as well as by means of communication, any information, documentation, data, property, effects and the like re Respondent. Debt collector and/or Alleged Creditor failure/refusal in providing said foregoing demanded authorization constitutes admission and stipulation that debt collector and/or Alleged Creditor are in violation of, including but not limited to Gramm-Leach-Bliley-Act and Privacy Act.
FULL CEASE AND DESIST SHARING OF INFORMATION WITH ANY AND ALL CREDIT BUREAUS PURSUANT TO GRAMM-LEACH-BLILEY ACT, The PRIVACY ACT of 1974, & The FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) You are hereby notified under provisions of the Privacy Act of 1974, the FCRA, and The Gramm-Leach-Bliley Act that I DO NOT CONSENT TO THE COLLECTION OF INFORMATION OR MAKING OF COMMUNICATIONS ON MY CREDIT REPORT. I officially OPT OUT of the sharing of my non-public personal information with non-affiliated 3rd parties such as and specifically the credit bureaus, pursuant to the GLBA.I am also reminding you of the prohibition of the sharing of my non-public personal information pursuant to the Privacy Act of 1974, and for your Failure to get my consent in writing for ANYONE to collect information used to make a communication on my credit report. You are required to completely remove, delete all traces of this from my credit reports IMMEDIATELY.
You have 15 days to send to me confirmation in writing that you are ceasing sharing this information pursuant to the Full Cease and Desist ordered by me, which includes deleting this alleged account from every one of my credit reports and every credit bureau you shared the information with.
Silence Equates To Agreement ~ Point of Law.
Time is of the essence, Without recourse, all rights explicitly reserved UCC 1-308, 3-415, and 1-1031
|
| 01/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I contacted the bank on XXXX XXXX, 2017, to request that chargebacks be initiated for transactions that were processed under a variety of different merchant descriptors. At the time, I told the bank that these transactions were fraudulent as I had not had any dealings with any of the merchants who appeared on my statements. I was told by the bank that they had all of the information needed at this time and would proceed with disputing these charges. Over the next three months, I was in contact with the bank on multiple occasions and was constantly told that my case was " being reviewed '' or was " in process ''.
After three months, the bank confirmed that all of the disputed transactions would be refunded in full to my account. The bank issued the refunds ( after confirming that the case had been reviewed and checked by " senior management '' due to the amounts involved ).
Nearly a full month after my funds were returned, I received a call from the bank that had received the funds in which I was informed that Citibank requested that the wire transfer ( which was the refunded disputed transactions ) be returned to them. Citibank did not provide my bank with an explanation, nor was I contacted by Citibank. It took Citibank nearly a full month to send me a letter ( all the while making repeated requests to my bank to return the funds ) in which they provided an " explanation '' for the recall of the funds. Citibank stated that they had conducted an audit of my case and found that the funds should not have been returned since the transactions were approved by me.
Citibank had not raised disputes on all of the transactions I requested. They raised disputes on 7 transactions ( which were all successfully recovered ). The actually disputed transactions were not recalled. On the remaining transactions, the bank provided " security credits '' and it is these credits which were recalled.
I had dealt with a single merchant that identified themselves to me as " XXXX ''. At the time I made my transactions to this merchant ( on the payment page on their website ), Citibank contacted me to verify these transactions as authorized. I confirmed that I had made these transactions, assuming that the different merchant names were just variations of the " real '' name of the merchant I was dealing with. When I started to have issues with the merchant and attempted to recover my funds from them directly, I discovered that the various names on my statements were actually independent companies on their own right that have no connection to the merchant on whose page I made the payments. The transactions were fraudulent in the sense that I received no goods, services or material benefit from any of the companies who received my funds, nor was I made aware that these companies were all third-party entities that seem to be involved in some type of money laundering scheme involving XXXX. I did approve transactions to XXXX, not to any of the other companies.
I notified the bank of these issues as well as pointing out the improprieties that Citibank engaged in while handling my case. In multiple calls to Citibank, I was informed that no one at the bank could speak to me about my case and I could only communicate via mailing a letter to a PO box . I mailed the letter well over three weeks ago and have received no response from the bank.
In summation : - The bank did not act my request to initiate disputes in a timely and appropriate manner as required by the card networks - The bank only raised actual disputes on a few of the disputed transactions. The provided " security credits '' on the remaining balance. The dispute that was raised were all successful - The bank claims that they conducted an audit on my account, but failed to notify me of the results at all, and it took them nearly a month to provide their explanation letter despite repeated calls - Citibank contacted my bank requesting a recall of the transferred funds without notifying me - Citibank has not responded to my letter in which an answer was provided to the " issues '' they stated were the basis of recalling the funds
|
| 05/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
UPDATE TO A COMPLAINT ORIGINALLY SENT BY ME TO THE DEPT OF BANKING BUT FORWARDED TO YOUR COMPANY BY DEPT OF BANKING THUS THERE IS AN OPEN CFPB CASE ALREADY BEING WORKED ON AND THE UPDATE IS TOWARDS THE END OF THIS CORRESPONDENCE : I paid partially for a XX/XX/XXXX vacation to XXXX XXXX ; however, CoVid 19 and the travel restrictions cancelled this trip. My doctor wrote a note stating due to my XXXX XXXX XXXX I should not travel, the owner of the XXXX XXXX XXXX agreed to cancel the vacation with a full refund back to me, but the problem is both XXXX and my credit card. The partial payment I made was {$810.00} which I disputed with my credit card in XX/XX/XXXX as despite the host agreeing to fully credit me, XXXX said they would not return my money and the California Attorney General. Thus, due my dispute with CitiBank Credit card, there was an {$810.00} credit on my account pending the resolution of the dispute. On XX/XX/XXXX I noticed the {$810.00} charge was re-applied to my account thus I called Citi and was informed the dispute was still open and being investigated as XXXX has declined to pay Citi card back the XXXX. I asked if I could file another dispute since the host says she agreed to fully reimburse me but Citi declined another dispute stating the dispute was still being investigated. I then checked my online account on XX/XX/XXXX for something else, and noticed I had messages where I found a XX/XX/XXXX notification from Citicard stating exactly the opposite of what I was told over the phone by Citi on XX/XX/XXXX : The investigation is closed as XXXX reimbursed me {$630.00} + {$79.00} on XX/XX/XXXX. After weeks of debating with Citicard/bank, as I initially could not find the XX/XX/XXXX refund, I questioned what happened to the XXXX as I am shocked that I received another Citicard/Citibank notification stating CitiBank sided in favor of XXXX. How does a credit card side with stealing XXXX from a customer that 1. Did not travel due to travel restrictions and a global pandemic and 2. Was informed by the owner of the vacation property she agreed to reimburse me 100 % due to the pandemic. So why would XXXX be allowed to steal XXXX from me..this is money I could use to pay my cable bill, UI bill or another bill that are now piling up due to decreased work hours and ineligibility for the economic impact payment. On XX/XX/XXXX I was informed by a CitiBank/Citicard Executive office employee, XXXX, that Citi cant force XXXX to change their policies. However, I dont agree with this statement as my XXXX card sided in favor with me for a full refund of XXXX which was a payment for a timeshare vacation scheduled for XX/XX/XXXX, that was also cancelled by travel restrictions and CoVid19. Two credit cards with two different resolutions : XXXX card successfully fought and won a FULL refund for their loyal customer ( me ) after siding in my favor instead of siding in favor of the the travel company and Citi card let XXXX steal XXXX from me by shockingly siding in XXXX favor. I was told by XXXX and also XXXX that XXXX offered a XXXX credit to me which expires in XX/XX/XXXX, so they gave you money per XXXX of Citibank/credit Executive office, but I had to inform XXXX that I would like my money back and not a credit for a vacation that I will never take since there is no resolution to the CoVid pandemic and probably wont be one until a vaccine is created which definitely wont be by XX/XX/XXXX. After speaking with CitiCard/bank I called XXXX and basically was told the same thing we can not reimburse you but did provide you with a credit of {$180.00}. As recently stated, I will not be traveling anytime soon due to a chronic health condition that puts me in a high risk category to suffer debilitating complications if infected with the CoVid. All I want is my XXXX back which again can be used towards my plethora of bills instead pf a XXXX credit that I will never use. Thank you federal government for helping me to get the XXXX off my CitiBank card just like XXXX card refused to allow a travel company to take money from me for a vacation that was cancelled by CoVid19.
|
| 03/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Up until XX/XX/2021, I have not had a problem making a wire or ACH transfer from Citibank to another of my savings of checking accounts at other banks.
On XX/XX/2021 everything changed and the nightmare begins.
I tried to make a transfer from my Citibank checking account to my checking account at another bank ( XXXX XXXX XXXX ). Each time my online Citibank checking account allows me to set up the transfer. The boilerplate notice tells me it can take up to three business days for the transfer to be completed. On the morning of the third business day, I receive a form email that states, " Unfortunately, the account provider has indicated problems with processing your request. As a security precaution, until this problem is resolved, we have put a hold on your ability to submit more of these transactions. For more details, please contact us by sending an email to XXXX or by calling us at XXXX '' And this is when you enter the black hole of Citibank. After speaking to the Citibank Representative who tells me to try again, I tell them that since I was succesful earlier in the month transferring via ACH to my XXXX XXXX XXXX XXXX account, I will initiate the transfer in the same amount to that bank. Citibank assures me that all is well and this transaction will go through.
Except it doesn't. ( Please see all attached documents ).
I call again. Each time the Citibank representative informs me there is a hold on the account. No reason why. They then direct me to the Fraud Department at XXXX. Initially, on XX/XX/2021, the fraud specialist tells me they do not have access to my account because it is under review. I will hear back in 1 to 2 hours. I do not hear back. Not that day. Or the next day. I call again. Exact same scenario. I will hear back in 1 to 2 hours. I never do. I continue to call each day, multiple times a day and then I am told that I will hear back in 48 hours. At this writing it is now XX/XX/2021. I have not received a call back. Even though I have requested some kind of response in writing, no written correspondence of any type explaining the issue has ever been received. Neither in email form or delivered via USPS.
I have had my son on the phone with me ( my son is in banking ). He has also tried to solicit an explanation from the Fraud Department. Ultimately, the specialist hangs up. On us. And the Fraud department has now either hung up or put me on hold for as long as 45 minutes before the line goes dead. This has occurred more than a dozen times now. I estimate I have been on hold with Citibank Fraud department for more than 10 hours as of this writing to no avail. Last night my son and I spoke with a Citibank Private Banking representative and detailed the entire saga. She was sympathetic. Tried to connect us to her supervisor. The supervisor said they could not speak with me. The supervisor instructed the private banker to send us to the Citbank Fraud Department. Been there. Done that. But hope springs eternal. Yet again, I spoke with a Fraud representative. And she followed precisely the same narrative script as all the others. I could barely hear her on the line because of roosters crowing in the background on her end. I am not making this up. The representative proceeded to utilize the same stonewall tactic. She could provide no information on why the account is under review because it is under review. Only that I will hear back in 48 hours.
At one point she called me by the wrong name. Said that there was an issue with my SBA loan. I assume she means a Small Business Association Loan. I am not a small business. I certainly fo not have nor ever have I had a loan from the SBA. I am a retired individual. My savings account and checking account are personal accounts. I remind her of this information. She tells me she needs to put me on hold. I beg her not to because the line always goes dead. She promises it won't this time. 45 minutes later the line goes dead.
I now live in an epic groundhog day scenario, in which each time I call the Citibank Fraud Department, the clock is reset with a 48 hour delay. I am at my wit 's end. HELP!
|
| 12/17/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
On Wednesday XX/XX/2021 I received a CITI FRAUD text message from XXXX asking me whether I attempted to send {$3000.00} with XXXX After I respond NO, a new SMS said that my card was deactivated and someone was going to call me Immediately after, someone called me from CITI FRAUD from telephone XXXX ( Utah ) He indicated that someone did XXXX wire transfers from my account, for {$2500.00} and {$7500.00}. Both amounts were on hold pending my verification. As soon as I would confirm that I was not the sender, CITI would return ( via wire ) the amounts back to my account He also indicated that he needed to deactivate my online banking and reinstate it. At this point he asked for my debit card number Since I did not have it with me, I asked him to call me in half hour, when he did In the new call, I received a new SMS from CITI FRAUD asking me to provide user id for deactivation, then password Although it sounds weird to ask for a password, I was 100 % CONVINCED that the call was valid, because it followed with text messages from CITI. It never occurred to me that both the call and the SMS were fake. In addition, I dont use CITI much and in my account was only {$300.00}. I simply forgot that I have a {$10000.00} line of credit ( overdraft ) Next, I received a new SMS asking me whether I was trying to send a wire of {$7500.00}.
I told the agent that I wasnt sending any wire, but he assured me that it was CITI sending the money back to me. As such, I responded XXXX ( yes ) When we were done, he asked me not to log in into online banking for XXXX hours After I hung up, I became suspicious and did logged in to my account. At that time, I realized he used my overdraft line of credit of {$10000.00} to transfer {$2500.00} and {$7500.00} to my account and then wire them out. My account had the same balance but now I owed {$10000.00}.
I called immediately CITI FRAUD and explained the whole story. The agent ( LIA ) explained that XXXX wire ( {$2500.00} ) was not processed but the other wire ( {$7500.00} ) was processed to a recipient named XXXX XXXX She confirmed from me the wire was fraudulent. She also said that I should call CITI Wires to make a recall I immediately called CITI WIRES. The agent ( XXXX ) put a recall request but mentioned that the recall depended on the beneficiary bank. When I asked whether the beneficiary bank was big and serious, she said it was Citibank At that time I got calmer, because Citibank would decide the outcome and would find easily the fraudulent client. Agent said I was going to receive a call or email with the outcome Since then I received no call or communication from Citibank. My card and online access is restricted On XX/XX/XXXX ( I think while I was in the call with the fraudulent agent ), I received several emails from CITI, first to let me know that I set up wire transfers, then to let me know that I added XXXX XXXX, then to ask whether I approved the {$2500.00} and {$7500.00} wires, then to say that the wire for {$2500.00} was cancelled, and then to say that the wire for {$7500.00} was executed ( Wire Transfer Details, Amount XXXX USD, Payee XXXX XXXX, Date XX/XX/2021, Transfer Type Domestic, Reference Number XXXX ). I remember having responded NO to the emails about the wires, maybe afterwards. CITI responded with we got you covered. I am set up for both email and SMS alerts, but only got the emails On XX/XX/XXXX, I received XXXX emails from CITI indicating that {$2500.00} and {$7500.00} have been deposited in my account. I though it was the resolution of the case, but an agent confirmed it was only about the transfer from the overdraft account to my account ( 2 days later? ) I called CITI twice since Wednesday. In both cases I was told that the case was still being investigated ( not in a rush, it appears ), and that my account still shows I owe {$10000.00} The whole situation is nerve wracking As of XX/XX/XXXX, Citibank did not send me any notification. I also don't have access to my accounts and everything is blocked.
Not sure how Citibank is not responding faster to this fraud.
I also made a complaint with the FBI
|
| 09/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2018 I made a reservation with XXXX XXXX for a stay on their boat from XX/XX/2018 thru XX/XX/2018. The financial arrangements were XXXX for 5 days and a XXXX security deposit that would be returned the end of the stay. See attached terms of rental provided.
When I arrive at XXXX for checking in I was give a tour of boat. I was told there was an issue with the power but power had been moved to a different slip. After settling in with my pups I turned the television on only to find out there was no signal on both sets. I texted my checking in person XXXX and was told to contact maintenance person XXXX. I called the maintenance person and was told he would be at the boot in an hour or two but told me the Marina signal can fade in and out and it is not the best or reliable.Upon the maintenance person arrival he tested both sets and found no signal as I had. Once outside he was able to trace the cable to a bad terminal at the slip and moved cable to another slip. Television in main sitting area was working but Television in Master Bedroom still had no signal. I was told by maintenance person that was the best he could do. On XX/XX/XXXX I noticed some of the lights in the cabin did not work specially in the kitchen and warm water came out of the sink faucet for cold water. The mat in the shower room was filthy and I put it to the side as I did not want to catch anything from it.
On XX/XX/XXXX, at XXXX the maintenance person for the marina knocked on my door and advised me that he was moving the power cables back to the original slip since the power issue had been resolved. On XX/XX/XXXX at XXXX I noticed the thermostat for the central air conditioning read 77 degrees yet the thermostat was set at 72. I left the boat to pick up a few items from the store. When I returned the temperature in the cabin on the boat had reached 80 degrees my dogs were panting and were over heated. I texted the owner and advised her of the problem with the AC and was told her house reached 81 degrees and it is because the outside temperature is so hot 104 degrees and the AC could not keep up. I advised her then that I could not stay on the boat with these high temperatures and risk my health ( XXXX ) or the health of my dogs. The owner stated she can understand and would try to get her maintenance person down to check on the AC. At 6:00pm I made the decision to leave the boat and began loading my belongings on to a cart to take to my car. At 630pm the maintenance person arrives in the parking lot and I advised him of the AC issue. He begins to berate me in the parking lot as to why I did not contact him sooner. The maintenance person walked on the boat and walked back outside and told me that it seems cool to him and left the boat. At no time did the maintenance person check the coolant or perform any checks on the air conditioning unit or compressor. I did advise the owner only to be told she was in a board meeting and could not talk.
I left the boat and turned in my keys and badges as instructed to do. Later that night 9:30pm I received a call from the boat owner apologizing for the inconvenience but when asked about a refund for my remaining days I was told we squeezed you in so we will not issue you a refund. The next day I received s thank you for staying its with no mention of the issues that I experienced. I did respond to the email reminding her of the experience. To this day no response from the owner.
I am disputing this entire charge since from day 1 of this vacation on XXXX XXXX there were nothing but issues. It has been a complete nightmare. From televisions not working to power/electrical issues and finally Air conditioning issues on a dangerously hot day 104 degree temperatures.
When I asked for a refund I was told no because they had to squeeze me in. What was advertised is not what I received and the conditions on this boat are poor. There are no cancellation terms but clearly they did not provide conditions suitable for anyone to live on! i am requesting a full refund on the days that i did not stay and a discount on the days i did stay.
XXXX XXXX
|
| 08/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Citibank Credit card company will not credit back {$880.00} since XX/XX/2019Account owner XXXX XXXX XXXX master card ending in XXXX exp XX/XX/XXXX We paid by error the amount of {$1200.00} onXX/XX/2019 to a contractor at the start of work. Instead of his requested deposit of {$700.00}, we paid for the total job without intending to pay in advance for a complete job.
The contractor ( XXXX XXXX from XXXX XXXX XXXX ) did not perform the job we hired him to do : to put a new drywall ceiling on a bedroom. He performed only the removal of the old ceiling and left us to hire another contractor to replace the ceiling.
OnXX/XX/2019The Contractor XXXX XXXX said he will have the credit card refund us the amount for the job he did not perform and we contacted the credit card disputing the charge.
His original invoice clearly stated how much was for the removal of ceiling ( what he did ) and how much was for the installation of new ceiling ( what he did not do ).
OnXX/XX/2019 The Contractor, XXXX XXXX sent a letter to our credit card Citibank asking them to refund us {$880.00} for the job that he did not perform, PAGE 8/8 Exibit D, Merchant statement. He sent them 8 PDF pages including pictures of the partial work performed. The real amount should have been a few dollars more {$920.00} however we will accept {$880.00} as is only a few dollars less. That is because contractor did not ad numbers numbers correctly.
The only important page is his statement on last page, 8/8 saying he did not complete the job only did partial work and to refund us {$880.00}, he should have put that page as 1 of 8 to have the investigator from Citi read it.
He replied to the dispute stating A ) He only did partial work agreeing with us that he did not complete the job.
D ) He agreed with us to be paid only for the partial work. He agreed with the itemized charges from the original Invoice for the removal of the old ceiling and dispose of it for {$210.00} ( as agreed ) and the cost of bags for debris {$42.00}. ( as agreed ) He added from the original Invoice new charges of {$30.00} and {$100.00} Making a total of charges of {$380.00} We had paid for a complete job {$1200.00} that he did not do. He asked Citi to return the difference : {$880.00}. We will accept it and move on.
This is the only important information on his 8 pages. Citibank please read his statement is the last page.
-NOTE : Please note we did not get the above letter 8 of 8 ( Merchants statement ) from the merchant, we got it from the credit card, he sent it to them directly a lo g time ago.
-The credit card did not refund it on XX/XX/XXXX when they received merchant statement nor any time after, apparently never read it, nor acknowledged it but posted it for their member to read it and still is there.
-One has to wonder if the department who got the response from the merchant and post it has any communication with the department who makes the refund. Or What type of training Citibank gives to his employees to handle disputes and why a client has to spend hours trying to have them do their job.
We have contacted Citibank credit card by email, by XXXX mail, and by phone in numerous times for months to no avail.
It seems they are very disorganized and a disjointed organization that each department does not know what other department does and knows. It has been very frustrating trying to resolve this dispute and talk to employees whose English and or accent is difficult to communicate.
We started this dispute sinceXX/XX/2019, more than 3 months ago and have wasted many hours contacting Citi Bank. They have had the merchants letter where he instructs them to give the refund for {$880.00} for 3 months already and still they ignore it.
-We will stop this dispute when the credit card gives the refund as instructed by the merchant through his response to Citibank investigations ( page 8 of 8 ) plus the interests fromXX/XX/2019 to the day the bank gives the money back.
-Enclosed is the 8 pages the contractor XXXX XXXX sent to the Citibank dispute department on XX/XX/2019. Today isXX/XX/2019
XXXX XXXX
|
| 05/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I used my Citibank credit card to rent a truck from XXXX in the amount of {$2300.00}. XXXX contacted me a couple of days later to inform me that my card had been declined multiple times due to an authorization issue ; therefore, I decided to use my debit card to make the purchase instead. I later learned Citibank closed my account prior to me attempting to make this charge with XXXX, I just wasn't aware of it at the time ; but it reflects on my XX/XX/XXXX monthly statement so naturally I thought nothing about the charge that never went through since the account was already closed. On XX/XX/XXXX, two months after my account had already been closed ; I received an email from Citibank informing me that they authorized the purchase with XXXX for the amount of {$2300.00}.
I then call Citibank immediately and told them I paid that amount using my debit card because it had been declined by them so many times. Again, not knowing at the time I tried to use the card, that my account had already been closed, which is probably why the transaction kept being declined. I then proceeded to forward my bank statement to them to show proof that I used my debit card to pay XXXX. They acknowledged it and told me the charge would be taken off my account.
Since XX/XX/XXXX, Citibank has been telling me that the charges would be reversed, and will reflect on the following months statement, and each month it isn't being resolved. When I receive my statement each month, that amount I'm disputing is still reflected on my account. I've been transferred from person to person for 3 months, with no resolution.
I even called to find out what my true balance was so I could make my balance XXXX and be done with this. I was told to just subtract {$2300.00} from the current balance, and that's what I owe them ; not taking into account that I'm being charged interest on money I never used. They keep giving me the run around and keep telling me they can't give me more information about my account because it's now closed.
I then filed a complaint with CFPB, Citibank responded by stating that I need to seek credit from the merchant instead of them ( Document included ).
I received my new statement on XXXX XX/XX/XXXX and the amount is still on my account. Prior to receiving this statement, I spoke to a dispute specialist, who then transferred me to another department and provided me with a direct number to that department. At that time, he said, they can't do anything with my account at that level it needed to be handle by someone higher than that department.
When I called Citibank ( XXXX XXXX ), I called the direct number given to me a week ago, since the specialist told me this was the department who has the authorization to resolve this issue. This person ( the person I spoke to with the elevated status ) told me the correction will be on my XXXX 's statement. When it wasn't, I called the direct number again ( XXXX XXXX ), I was once again transferred back to the dispute specialist, this is the same sector that from what they told me, could not fix this at that level and my case had to be elevated.
Now I'm at the point where the two sectors keep taking my back and forth between the two, with nothing being resolved. I had paid for a service twice, Citibank is aware, yet refuses to correct the mistake. Citibank has admitted to me a number of times that the balance is incorrect, but no one seems to be able or willing to right the wrong.
Now Citibank is claiming it was an authorized charge, yes it was authorized when I thought I had a valid credit card account and thought the charge would be paid then. But to authorize a charge 2 months later on a closed account after I've provided proof that I used my personal account to pay XXXX is unethical. I would like for them to deduct the {$2300.00} plus any fees and interest charged due to this from my balance, so I can zero out my account and forever be done with Citibank.
I feel Citibank refuses to delete the charge because they are more interested in me having to pay interest fees, rather than doing what's right.
|
| 01/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
Friday, XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) RE : Home Depot/Citi Bank Account Ending # -- -- -- -- -- -- XXXX We have two ( 2 ) Home Depot Accounts which were paid off in XX/XX/XXXX, one ending in account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of approximately {$24000.00} and the 2nd account ending # XXXX XXXX XXXX XXXX XXXX XXXX XXXX for approximately {$4000.00}.
I am disputing the recent credit actions on account ending # XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Prior to the XX/XX/XXXX payoff of both accounts, they were always been paid from a hardcopy invoice delivered by U.S Mail ( never from an emailed invoice ).
We have never had a late payment with either account in more than twenty ( 20 ) years. Clearly the {$48.00} late payment is an anomaly caused by the improper delivery of the XX/XX/XXXX invoice.
The first invoice after the payoff for account ending # XXXX XXXX XXXX XXXX XXXX XXXX XXXX was emailed on XX/XX/XXXX for a minimum payment of {$48.00}, which was apparently due on XX/XX/XXXX.
No Invoice for this account was ever emailed prior to XX/XX/XXXX and no hard copy by U.S. Mail during the month of XX/XX/XXXX.
I did not anticipate the XX/XX/XXXX invoice by email, because I had not ( knowingly ) requested nor authorized the email of monthly statements in lieu of a hard copy invoices from Home Depot. I received approximately ( 40 ) promotional emails from Home Depot during the month of XX/XX/XXXX alone. Therefore, I considered all of the Home Depot emails unsolicited spam and consequently did not read them. So, I was unaware of the XX/XX/XXXX emailed invoice.
I have since learned, from a CitiBank representative, that when I logged onto the Home Depot website in XX/XX/XXXX in order to download monthly statements in compliance a request by the bank ( XXXX ) funding the XX/XX/XXXX payoff of both Home Depot/CitiBank Accounts, I was, without my knowledge or permission, automatically opted into receiving all future Home Depot invoices via email.
I was subsequently informed by a CitiBank representative that it was my obligation to opt out to avoid this change in invoice delivery. Clearly, by any standard, this is a deceitful business practice!
We have never paid any of our bills from an email invoice ( from any vendor ), including all prior invoices for both Home Depot accounts, due to the high likelihood of fraud from hacking. So clearly, I did not knowingly agree to the email option in XX/XX/XXXX.
During this time, we apparently received several phone calls from CitiBank regarding the {$48.00} late payment. However, the caller I.D . failed to identify Home Depot as the vendor, and I was unaware of the Home Depot/CitiBank association ( notwithstanding the nanoscale font on the back of the Home Depot Credit Card ).
As far as I knew at that time, we had no business relationship with CitiBank, and these calls were also considered unsolicited spam.
In summary, as of XX/XX/XXXX, both Home Depot accounts were paid in full to the tune of approximately {$28000.00}. If we had received the XX/XX/XXXX invoice of {$48.00} in hardcopy by U.S. Mail, as in all previous months, instead of by email, the invoice would have been paid on time. I can not pay an invoice I dont receive because it is improperly delivered.
We have been excellent Home Depot/CitiBank customers for many years with a pristine payment history. Reporting us to the three ( 3 ) credit bureaus over this issue, caused by others, is profoundly unjust. This has caused me great harm and resulted in my credit score plummeting from a mid-score of XXXX to XXXX!
I did contact CitiBank in an attempt to resolve about this matter and received a less than encouraging response ( see attached CitiBank Letter ).
I am simply requesting that CitiBank immediately remedy this egregious situation by contacting the three ( 3 ) Credit Bureaus, XXXX, XXXX, & XXXX and having this erroneous thirty ( 30 ) day late payment expunged from my Credit File, so that my excellent credit record is restored.
Thank you for your cooperation.
Sincerely, XXXX XXXX XXXX
|
| 03/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
XX/XX/XXXX I went online to pay my Citi Credit Card, I proceeded to the pay screen and entered a new pay from account to make my payment. I filled all the fields out correctly as well as checking the button for Savings Account. I have done this procedure in the past with zero issues.
XX/XX/XXXX XXXX XXXX I was alerted to an issue because of a text message saying there was an issue with my Citi Bank Account.
XX/XX/XXXX I called the number on the back of my Citi credit card and was informed that the payment I had scheduled earlier would not process. I was told that Citi 's system couldn't talk to my bank, therefore triggering a declined payment message. I spoke with my bank and they have not had any system outages or malfunctions that would have caused this. That incident resulted in me getting charged a {$25.00} returned check charge, all for what, me being responsible and paying my bills. It was Citi 's computers that screwed up. On this call to Customer service, I reluctantly gave up my savings account info and routing number ( the same info I put in online to make earlier payment ) to have the rep process a phone payment. Rep stated that info went into system and would process soon. I thought everything was taken care of.
XX/XX/XXXXGot a call from someone at Citi stating that my payment on the XXXX did not go through and asked if I could make another payment by phone. I said no due to the fact that is twice now that they screwed up. Later that afternoon I went to my bank and the printed a transaction list from that saving clearly showing a check trying to be cleared through a savings account. Each and every contact I have had with Citi I have stated multiple times that this is a Savings Account. Who would try to clear a check from a savings account?
XX/XX/XXXX I logged in online and scheduled a payment ( from a previously used account ) and received a confirmation number as I usually do.
XX/XX/XXXX Pulled up my primary banks account and low and behold that Citi payment scheduled on XX/XX/XXXX has cleared before XXXX XXXX. This is usually how payment processing on any bills that I pay goes, even when adding new payment accounts.XX/XX/XXXX I called to have 2 previously assesses fees reversed. Was told by rep that only {$25.00} one could be reversed because it could have been a 'glitch in the system ' that declined the payment, The {$35.00} one was supposedly reviewed by a supervisor and declared ineligible due to my bank " declining it ''. I proceeded to tell customer service rep multiple times that this charge was a result of Citi 's rep trying to push my XX/XX/XXXX payment through as a check even though it was coming from a savings account. My bank has agreed that they didn't directly decline that payment. They were nice enough to print off my transaction history from my savings clearly stating that there was an attempt to clear a check from this savings account. It was declined because the company tried to pull the money as a check, " from a Savings Account ''. This was obviously the error of Citi, yet I got charged a {$35.00} Returned check fee due to their own ( Fill_In_The_Blank ).
XX/XX/XXXX Upon logging into my online account access I see that at this time Citi has reversed the XX/XX/XXXX {$25.00} charge. I will continue to monitor this to make sure they don't try and pull a sneaky reversal of the reversal.
XX/XX/XXXX Logged into My account to see if by chance that second fee had been reversed, No Such Luck.
From Just trying to make my XX/XX/XXXX monthly payment on this card has caused a lot of unwanted and not needed stress, along with {$60.00} in fees. Customer service reps and supervisors have been absolutely zero help and do not provide any acknowledgment or apologies for their XXXX ups.
After Reading all XXXX complaints about Citi on https : //www.consumeraffairs.com/finance/citicard.html? page=1 # sort=recent & filter=none after this incident, some of which as recently as a few weeks ago. I am apparently not the first one this has happened to either. I feel very sorry for anyone who has to deal with this unfair company.
|
| 06/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
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Web |
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I sent in monies to pay off balance of credit card. It was received on XX/XX/XXXX ( due to slowness in mail ). Payment was due on XX/XX/XXXX. I had a XXXX balance, called in to close the account. The representative tried to retain the business, I refused, thus he closed the account. Not mentioning that I would be accessed a fee or may have additional interest charges. I was under the impression my business with CitiBank XXXX XXXX card was done. So, I was assessed a late fee, and inteteres of {$1.00} or so. So I owe {$29.00}, but the statement period closed and the over {$3000.00} I paid on the balance did not count for that period, no the next. Not knowing I had a bill, I was assessed another {$39.00} late fee, and this time interest of over {$43.00}. Making my bill over {$110.00}. I did not receive a bill, nor did I know about it until I received a call from their automated system on Saturday XX/XX/XXXX because now my once {$0.00} balance is now {$110.00}. All fees. Nothing I should technically owe. I called to try and resolve as Citi has always been easy to do business with. I was told they would waive XXXX of the fees because they understood that technically this was nothing I did and was understandable. But before she waived the fee, I asked if I could speak to a supervisor. I was transferred to a client engagement specialist and after an hour still nothing resolved. Because I am no longer a client, they care little about customer service or accomodations, or reviewing my account in detail. I in essense was being punished for choosing to not do business with them. Furthermore, noone even cared that I never was informed that there could be additional fees and that call was never pulled. I was denied having a fee waived because it was systematic and they had no control. Having worked in many capacities of customer service, I absolutely know there wer accomodations that could be made for something so simple that became collossol. It is disgusting that you close an account and CITIBANK charges fees on top of fees because they are money hungry. Not one time did anyone take accountability. If there is a balance for the interest. I don't mind paying. What I have a problem with is being accessed fees twice when you clearly received a pay off. I am very disapppointed about this situation and I am hoping to have at a minimum that second fee waived and explanation of how I was accessed a {$43.00} interest amount but only {$1.00} the previous time. In essence, {$67.00} of the balance is fees. Because I don't have access to the account as it is closed, then I have to rely on what the representatives are telling me. It is also a coaching opportunity for representiatives when closing accounts to let the client know to check for residual fees. I was told just Saturday that the interest is based on a daily average balance and you basically have to wait two statements to ensure you have no fees. Why wasn't I told that when I closed the account. Citibank does not care about the consumer, just making money. This experience has caused me a level of stress and has taken way too much time.
When I called in to close my account, I was told I had a {$0.00} balance and never that I should expect additional fees/ or interest. This was a total surprise becasue a XXXX balance and a closed account means that the account is closed and no longer assessed anything. However, what was more chilling was the refusal of Citibank account representatives and supervisors to even hear me. They don't want my business, so I will no longer do business with them in any capacity. {$110.00} may not seem like a lot of money to most, but these are trying times and every single penny makes a difference. A company trying to nickel and dime consumers with fees should be illegal. Who in their right mind pays off an account to miss payments after? One who was unaware that there waos even a bill. The representative told me my bill was sent to an email address I no longer use. They should have mailed statements when there is a closed account. I don't have access to this account as it is closed.
|
| 04/26/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
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Home Depot failed to provide a legitimate reason to decline my request for a credit line increase, I requested an increase in my credit line, once on XXXX XX/XX/2019, however they declined my request based on Insufficient time since last review.
I have a fraud alert on my credit report, therefore, Home depot directed me to call their fraud department to verify my identity, I verified my identity on XXXX and XXXX XXXX, however Home depot still refused to provide a response to my request, so I contacted their credit department and because of that they stated that I requested a credit line increase through multiple departments and that is the reason that my credit was declined.
I contacted Home Depot via electronic means on XXXX XX/XX/2019 to request a credit line increase in the amount of {$13000.00}, the initial notification ( to my personal email ) that I received stated that they would notify me within 24 hours, then I received notification that I would receive a reply within 48 hours. On XXXX, XX/XX/2019, I logged into my account to schedule a payment, and there was an alert that I needed to contact home depot fraud department, which I did on XXXX XX/XX/2019, at which time I was told that the reason for the contact was because I had request an increase in my credit line and I had a fraud alert on my credit, the credit department verified who I was and the call ended.
On XXXX XX/XX/2019, I still had not received an approval or disapproval regarding my request for an increase in my credit, so I contacted home depot electronically and requested the status of the request, I received correspondence from home depot on XXXX and XXXX XX/XX/2019, informing me to contact the fraud department, I contacted the fraud department on XXXX and XXXX XX/XX/2019, and spoke with Home Depot credit services on XXXX and XXXX XX/XX/2019. I was told on XXXX XX/XX/2019, that they could not verify who I was because the credit report failed to list a phone number that I could be contacted at, I spoke with a supervisor, who sent a code ( XXXX ) to my phone, once she verified who I was, she transferred me to the credit department to complete my request, I talked to someone in the credit department and was placed on hold, in about 3 minutes of being on hold, the phone call disconnected.
On XXXX XX/XX/2019, I contacted home depot again requesting a response to my credit line increase that I submitted electronically on XXXX XXXX, initially I was told that I was approved, then I was placed on hold, when the clerk came back to the phone, she said that my request was declined, and that I would receive notification in 7-10 business days, later that day, I received an email and a letter that stated my request was declined because of Insufficient time since last review.
I contacted the number in the correspondence on XXXX XX/XX/2019 for an explanation and was told that because I requested an increase through multiple home depot departments in a short amount of time, my request was denied. I explained to XXXX that I ONLY MADE ONE REQUEST, and that request was on XXXX XX/XX/2019, she said that she would ask if she could obtain approval to override that decision, so she placed me on hold and within 3 minutes of being on hold the phone disconnected. I immediately redialed the number and spoke with XXXX, and explained the situation to her, she stated the same thing XXXX did and placed me on hold to see if she could obtain approval to override the denial, I was on hold for about 3 minutes and the phone was again disconnected.
I was hung up on 3 different occasions, once on XXXX XX/XX/2019, and twice on XXXX XX/XX/2019, and Home Depot STILL has not provided a valid reason why my request for a credit line increase was denied, I pulled my credit report and verified that each report list a phone number to contact me at, that phone number is XXXX, so when the clerk stated on XXXX XX/XX/2019, that the credit reports failed to list a number to contact me, that statement was false.
I want home depot to provide me with a legitimate reason to decline my request for a credit line increase.
|
| 10/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
The complaint site only allows to input one credit card. However, all of my credit cards are affected.
What happened : I have used Citi credit cards since XXXX. During the nearly 8 years, I've been very loyal, using them regularly and routinely, and NEVER missed a payment.
I have three cards with Citi : 1. 'XXXX XXXX XXXX ' with a {$48000.00} credit limit, earned {$3000.00} in cash rewards, but have not redeemed them yet.
XXXX. 'XXXX XXXX XXXX ' with a {$10000.00} credit limit, earned {$620.00} cash rewards, but have not redeemed them yet.
XXXX. XXXXCiti XXXX XXXX card ' with a {$25000.00} credit limit, earned XXXX rewards ( equal to $ XXXX based on XXXX rate ) but have not redeemed them yet.
Citi closed all my credit cards on XXXX XXXX ( Saturday ) without a logical or fair reason, which caused some large issues in my daily life.
1. The impact to my credit score was immense due to the large credit limit drop. ( I'm close to buying my own house, and this is debilitating for me ) -The effect that it has on my life is very negative from this significant credit score drop.
-I will most likely lose the chance to buy my house -I may lose future job opportunities since companies run a credit check.
XXXX. Refusal to let me appeal even know there's no logical or fair reason given XXXX. Taking all of my {$3600.00} cash rewards and point rewards ( $ XXXX ) that I earned away I will explain what happened and what help XXXX looking for.
* I used the first two cards ( XXXX XXXX & XXXX anywhere ) very often to buy all my personal and business office items, but used XXXXCiti XXXX XXXX XXXX ' less often.
Since XXXX XXXX, I decided to use 'Citi XXXX XXXX XXXX ' more frequently. We have a 'stimulus program ' to award employees who perform really well with XXXX gift cards. I was using my XXXX business credit card to buy XXXX gift cards from XXXX grocery store, instead, I wanted to use the XXXX XXXX XXXX XXXX '.
First, I called in Citi customer care and security team to report that I will start using the XXXX XXXX card ' more often and will have some big transactions.
Second, after they put in a note, I still had problem making the transaction. I received a security message every time, and I did call in every time to verify myself to make the transactions.
Third, and most importantly, I did ask them every single time if it's ok to use this card for these big transactions, if not, I would switch back to XXXX. However, all the security representatives I talked told me the same thing that it's fine, I just need to call in to verify myself.
HOWEVER, Citi still cancelled all my credit cards on XXXX XXXX ( Saturday ). I even called in to talk to representative to purchase the monthly stimulus prize-XXXX gift cards on XXXX XXXX ( Thursday ) Through all of these verifications with Citi representatives XXXX never once did any of them tell me this was something XXXX couldnt do.
I care about Citi, and Ive had these cards for 8 years. I use Citi for all my personal and business purchases, and have never missed any payments. I did call every time and verify who I was, and that I was in-fact making these purchases. The disconnect and wrong information I received as a loyal customer is concerning. I am not one to misuse or break any type of policies you may have, and that wasnt my intention.
I know Citi is sensitive, so I was looking for the Citi employees to guide me the right way. Customers dont know everything, but instead of answering and guiding the customer through the policies, my accounts were just closed. As mentioned above this has affected me in multiple ways.
Furthermore, my other two accounts were affected and I am still carrying a balance for all three.
This is very hurtful, after 8 years and they just kick you away, take all you have, and don't give a reason. They dont even don't allow you to appeal. Is this the way good customers get treated?
This situation has made a large inconvenience in my life and has caused some significant damages. I would like to work to resolve this issue and continue to be a loyal customer.
|
| 10/10/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX XXXX ( Social Security XXXX ; CA DL XXXX ; DOB XX/XX/XXXX ) XXXX XXXX XXXX ( Social Security XXXX ; CA DL XXXX ; DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear CFPB We are writing to get your help with the account Account NameCITIBANK Account XXXX Account TypeHome Equity ResponsibilityJoint with XXXX XXXX Date OpenedXXXX which had negative information reported for XXXX XXXX ( Social XXXX ) and XXXX XXXX ( Social Security XXXX ) in XX/XX/XXXX to all three credit bureaus. This account has been transferred to XXXX and is noted as XXXX Acct # XXXX We are loyal Citibank Private Banking clients. We have 2 home loans with Citibank, the line of credit in dispute here with Citibank, Citi Prestige Credit card, Citi XXXX XXXX XXXX credit card, and Citi brokerage account with over {$1.00} XXXX balance.
We have been very timely and careful with our credit usage at Citi. A review of our account will show we have paid everything in full and on time. We pride ourselves in being diligent in paying our bills.
My wife and I are both XXXX with a busy XXXX XXXX. We are in the process of buying a Covid-19 testing machine and a credit check revealed this negative information which precludes buying the machine.
The account was setup for BillPay automatic payments. We noted in XXXX that an error with BillPay occurred and called Citibank at XXXX on XX/XX/XXXX to XXXX in customer service. She said, The negative information will be expunged from all 3 credit reporting bureaus. We called again on XX/XX/XXXX, and XXXX at Citibank confirmed, This information has been corrected. I requested Reference numbers for both calls but they did not give it to me.
We are attaching a copy of a recently obtained XXXX report which corroborates the negative information reported to XXXX and XXXX. I have spent the past two weeks contacting you via phone to rectify this error.
The BillPay issue originated on Citibanks end. We are ccing our Private Bankers to follow up with this.
We are very loyal customers and we hope you will be able to correct this information with all 3 bureaus for us for both XXXX XXXX and XXXX XXXX.
Our community is suffering from Covid-19 cases. We hope you will be able to resolve this credit issue expeditiously please for the sake of our community.
Despite multiple attempts, we have not had our credit report corrected. Because of my concern about the negative credit ramifications, we paid all outstanding fees because we are loyal Citibank customers. The people at Citibank we spoke with acknowledged that mistakes with BillPay routinely occured. They assured us that there would be no negative credit information reported.
We called on XX/XX/XXXX, and spoke with Love at XXXX XXXX XXXX. She advised me to call the Line of Credit department and I called there at XXXX XXXX XXXX. I called again on XX/XX/XXXX, and spoke to XXXX, ID LMDJS at XXXX XXXX XXXX. I was also advised to call XXXX XXXX XXXX which I also contacted without any help. I was asked by XXXX XXXX, ID LMJKB to submit my dispute in writing by mail, fax, and email which I am doing. I have spent the past two weeks contacting you via phone to rectify this error. I do not feel it is fair despite multiple calls to correct this situation that I should have this negative information in my file.
Please find attached our handwritten notes of phone calls, the Citi Private Bank letter of support, credit report and a copy of our drivers licenses.
Sincerely yours , XXXX XXXX XXXX cc : Attention XXXX XXXX Disputes XXXX XXXX XXXX XXXX, NJ XXXX Citibank NA XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX.
XXXX, GA XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameCITIBANK Account NumberXXXX Account TypeHome Equity ResponsibilityJoint with XXXX XXXX Date XXXX StatusTransferred, closed.
Status UpdatedOct XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$500000.00} Highest Balance {$210000.00} TermsNA
|
| 07/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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I, Your Name ( XXXX : XXXX ) a natural human, consumer hereby am notifying you CITI BANK, XXXX XXXX XXXX XXXX XXXX that I realized the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to The Black law dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Please be advised that I received your statements and coupons from CITI dated XX/XX/2022, in the amount of {$1700.00} from XXXX {$9000.00} dated XXXX XXXX, and XXXX XXXX XXXX {$2700.00} dated XX/XX/2022. I accept your offer and I am returning your coupon as Tender of Payment pursuant to XXXX ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Bond coupon Part of bond which is cut and surrendered for payment of one of the successive payments of interest Coupon bonds Bonds to which are attached coupons for the several successive installments of interest to maturity. Benwell v. Newark, 55 N.J.Eq. 260, 36 A. 668 ; Tennessee Bond Case, 114 U.S. 663, 5 S.Ct. 974, 29 L.Ed. 281.
Coupon notes Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note, and designed to be cut off severally and presented for payment as they mature. Williams v. Moody, 93 Ga. 8, 22 S. E. 30.
Pursuant to Instrument A negotiable instrument ( defined in U.C.C. 3-104 ), or a security ( Pursuant to UCC3-603 TENDER OF PAYMENT.
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Pursuant to UCC1-308 Performance or Acceptance Under Reservation of Rights.
( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as " without prejudice, '' " under protest, '' or the like are sufficient.
|
| 04/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my Citi Priority Checking account XX/XX/XXXX after receiving a promotion stating XXXX XXXX XXXX frequent flier miles would be credited to my account if a {$750.00} spend and one qualifying bill payment in two consecutive months were made within the first 60 days of account opening. On XX/XX/XXXX, I called Citi Priority Customer Care with a couple of questions, one of them being the terms of " qualifying bill payments ''. I asked the representative if payment of bills using the debit card was qualifying and he indicated that it was qualifying. In XXXX, I paid my cell phone bill from my Citi account ( for month # 1 ) using the debit card, as the representative indicated I could to qualify. Later the same month, I was discussing the new account with a friend in banking who states that the terms didn't sound right and to call to clarify again. On XX/XX/XXXX, I called Citi Priority Customer Care, who confirmed that debit card bill payments were not qualifying, that I needed to set up Bill Pay via the App or Website. I did so right away, hoping that the check would be written before the end of the short month of XXXX, which would have kept me within my two consecutive month payments ... it was not. The check went out on XX/XX/XXXX. I explained to this representative that I had spoken with a Citi representative on XX/XX/XXXX who gave me the inaccurate information. At that time, I was encouraged to file a promotion dispute, and I did so. I followed up on XX/XX/XXXX by calling Citi Priority Customer Care, to which there was no new information. I received a letter the following week stating that because the promotional period ( 60 days ) had not completed, they were unable to make a determination. I waited until the end of the 60 days, and contacted Citi Priority Customer Care on XX/XX/XXXX. I explained the above information : how I called early in my promotional period to clarify the terms and was provided with inaccurate information which effectively made me ineligible to receive the promotion. Another dispute was initiated at this time. I received a letter XX/XX/XXXX essentially stating I didn't meet the terms of the promotion and therefore was ineligible for the reward. I called Citi Priority Customer Care again on XX/XX/XXXX, spoke with the first representative, explained the situation, and he stated that he would let me speak with a supervisor. I was transferred to a supervisor, who stated that " they are really strict about the terms ''. I stated that I understood this, but I shouldn't be held accountable for inaccurate information provided by their company. He stated that without meeting the terms there was not much that could be done, I could file a complaint or a dispute. I asked him how either would provide me with more information than I have gotten, which is just a letter stating I didn't meet the bill pay requirements. He stated that " it would be reviewed ''. I asked to file a complaint at this time, the representative indicated that " the managers review it and decide what to do ''. I asked for a confirmation to be emailed to me so I can ensure the appropriate information is being conveyed, to which I was told no. I questioned this, saying that the responses I am getting reiterating the terms of the promotion are not what I am disputing. I am disputing that I was rendered ineligible by inaccurate information given to me by an employee of Citi Bank. The representative apologized and said the employee was retrained. I explained that retraining is a start, but that I should still not be held accountable for their error, especially when I made efforts to clarify the areas I questioned so I was clear on the expectation of the promotion. I asked if I could speak with a manager, I was told they are not in right now. I asked if there was a better time for me to call back to speak with one or if a manager could call me back, I was informed that managers do not take calls. I asked when I could expect a response, I was told there is no time frame. I asked when I should follow up, and the representative said, whenever you like.
|
| 04/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
citi bank runs a promotion open a new checking and savings account and deposit XXXX of my money for 60 days and citi will deposit XXXX dollars into my checking account within 90 days after meeting the 60 days of XXXX dollars in a new checking and savings account combined. i deposited XXXX into a new checking and savings account on XX/XX/XXXX. I have met all requirements and it has been more than 90 days after completing the 60 day promotion period. Citi has not deposited the XXXX into my account. i have notified them and they are looking into it.
The Contract 1 TERMS AND CONDITIONS Eligible Customers can earn the {$200.00}, {$400.00}, {$700.00} or {$1500.00} Cash Bonus during the Offer Period by completing the following Required Activities.
By participating in the Checking Cash Bonus Offer, you agree to be bound by the following Terms and Conditions.
If you choose to change packages within 30 days of account opening ( see Package Options below ), your change reflects 1 ) that you have reviewed the new package offers terms and conditions, which appear in this document and 2 ) have consented to participate in the offer for that package.
Eligible Customers Eligible Customers are New-to-Citibank Checking Customers who have not been a signer on a Citibank checking account within the past 180 days.
Required Activities If Eligible Customers open their eligible accounts by any other means than those described, they will not be enrolled in this Offer and will not be eligible for the Cash Bonus.
Eligible Customers must : First, open a new consumer regular or interest checking account between XX/XX/XXXX and XX/XX/XXXX in an eligible Account Package listed in the Chart below ( Eligible Checking Account ). Certain Cash Bonus offers also require opening a new Citi Savings Account ( see Chart below ) in the same account package as the new Eligible Checking Account ( Eligible Savings Account ). The Eligible Savings Account must be opened within 30 days of the checking accounts Account Opening Date.
Second, enroll in this offer at the same time as account opening pursuant to the instructions provided. Customer is automatically enrolled when applying online Third, any owner of the eligible accounts must make at least the Minimum Deposit ( see Chart below ) in New-to-Citibank Funds, within 30 calendar days of the Account Opening Date of the checking account, into either the new Eligible Checking Account and/or the new Eligible Savings Account. Multiple deposits allowed.
New-to-Citibank Funds are 1 ) funds deposited from external accounts or payees other than Citibank N.A. 2 ) using domestic ACH transfer, Direct Deposit, checks drawn on banks other than Citibank N.A. or wire transfer. Cash deposits, Citi Global Transfers, international ACH transfers, and person-to-person transfer services such as XXXX XXXX XXXX, XXXX, and XXXX, do not qualify as New-to-Citibank Funds.
Fourth, the Minimum Deposit ( see Chart below ) must be maintained for 60 consecutive calendar days from the date the Minimum Deposit is met ( Minimum Balance ). The Minimum Balance may be held entirely in one of the Eligible Accounts or across both of the Eligible Accounts.
Note : If you choose to keep your entire Minimum Balance in one account, any account that maintains a zero balance for 90 days is subject to closure in Citibanks sole discretion.
Chart Cash Bonus Account Package Minimum Deposit and Minimum Balance Savings Account Required {$200.00} Basic Banking Package {$5000.00} no {$400.00} Citibank Account Package Citibank Account Package {$15000.00} {$700.00} Citi Priority Account Package {$50000.00} {$1500.00} Citigold Account Package Citigold Account Package {$200000.00} Cash Bonus The Cash Bonus will be credited within 90 calendar days from the date you complete all Required Activities. At the time the Cash Bonus is paid, it will be credited to the new Eligible Checking Account. If the Eligible Checking Account is closed, then the Cash Bonus will be credited to the new Eligible Savings Account. Open accounts must be in good standing.
Package Options
|
| 12/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
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I am banking with Citibank since XX/XX/XXXX with direct deposit account. I used Citibank mobile app to make a payment to a home cleaning service provider on XX/XX/XXXX using XXXX feature on its app. The transaction was successful and the intended recipient ( selected from phone contact list ) received the money right away. With a trust on Citi app another repeat transaction was performed to same home cleaning service provider using XXXX again by selecting the same phone number from contact list on XX/XX/XXXX. This time the intended recipient ( home cleaning service provider ) didn't receive the money.
When service provider reached out to me for cleaning service money for its service on XX/XX/XXXX then I filed a complaint ( Nbr. XXXX ) with Citibank that the recipient has not received the money on XX/XX/XXXX ( Please note that the intended recipient still used the same phone number where the money was sent on XX/XX/XXXX and same contact has been selected from phone book by me for requesting transaction on XX/XX/XXXX ). In response to my complain Citi sent a letter dated XX/XX/XXXX mentioning that I have authorized the transfer and I should contact the recipient directly.
On receipt of this letter another complain ( XXXX ) was filed on XX/XX/XXXX. During the call customer service mentioned the name of a person named XXXX XXXX as the recipient of the money and mentioned that I have authorized to send the money to this person. It was also mentioned that the recipient banks with Citibank. On hearing this I informed customer service that I don't know any person with such name and also no one in my phone book is saved with that particular name or the number. Customer service again opened an investigation and responded with letter dated XX/XX/XXXX that I should contact the recipient directly.
On receipt of this letter another complain ( XXXX ) was registered with customer service on XX/XX/XXXX with further explanation that I don't know any such person and has no idea how I can transfer the money to a total stranger. Customer service mentioned that its not the Citi fault but its the issue with XXXX. They again mentioned to investigate it. Another response letter was received dated XX/XX/XXXX against this complain mentioning that they can not honor my claim as I have authorized the transaction and again asked me to reach out to the stranger who is banking with Citibank for refund of money. Totally, frustrated with this response I took it on social media and tagged Citibank on twitter with the same complain. I got a response from Citi on twitter to connect to nearest branch.
On XX/XX/XXXX, I visited XXXX XXXX, Illinois branch and met the branch manager named XXXX. We explained her the issue. We also showed her the mobile phone with the transaction evidence. The transaction history at XXXX on Citi mobile app is still showing that on XX/XX/XXXX the number selected for transfer was still the intended right person. On looking at all evidence Branch Manager verbally mentioned that she will get the issue resolved. I asked if a new complain needs to be filed. She mentioned that she will keep working on the same complain number filed on XX/XX/XXXX and will get me the money back in my account. She also mentioned that if things doesn't get resolved she will use her own authority to refund the money back into my account.
Today its already 3 weeks over last complain and I haven't received the money back in my account. This shows the callous and don't care behavior of Citibank. This also shows how insensitive they are for their loyal customer banking with them for last 12 years both on shore and off shore location.
To conclude, the person who received money banks with Citibank ( as per their response letter ) and no one from Citibank customer service is reaching out to that customer to ask if that person really owns that money. Instead they are asking me to contact the person whom I don't know and is a complete stranger to me to request the refund. Also, Citibank is blaming XXXX and wants to get rid of the possible system issue they have.
|
| 11/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
I have been a Citibank client for over 24 years and I have been living in the XXXX XXXX, and more recently on the XXXX XXXX XXXX.
During this period I have always had my correspondence and cards delivered without any problem, despite the fact that the XXXX XXXX post code is composed of letters and numbers, differently to the US where the zip code is composed only of numbers.
In XX/XX/XXXX I visited a XXXX DC branch and opened a term deposit account, and was informed that my account had been upgraded to XXXX.
On XX/XX/XXXX I received an email saying that a new debit card has been issued and shipped by First Class mail and was due to arrive on XX/XX/XXXX. The card didnt arrive so I contact the relationship manager, XXXX XXXX , who promised a replacement card.
Subsequently I received emails dated of XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX saying that cards with different numbers have been shipped, with increasingly delayed delivery dates. The latest one says that the card will be delivered in mid-XXXX. I never received such cards. Also, when they decided to send me new unsolicited cards, Citibank cancelled my existing debt card which was valid until XX/XX/XXXX, therefore due to Citibank blunders I have not been able to access my money since XXXX.
I emailed and called Customers Services nd XXXX XXXX, who told me that there were technical issues because my XXXX post code was composed by letters instead of numbers and he was working with the technical team to solve the issue. This was in XXXX. The issue has never been solved. In addition to XXXX, I spoke to two unidentified women at Customers Services, they speak very poor English and were very rushed.
In the meantime whilst I was talking to a customer service representative, I received an email from Citibank saying that the card ending XXXX, which I never received, had been unlocked and it was now ready to be used. The email also said that the card had been unlocked by a Citibank representative. The woman at Customer Service said that this was a scam, that I should not be worried and that my card was not unlocked because I have not received it.
Nevertheless, I called XXXX who told that the card had been unlocked but that he could lock it again if I wish so. Then instead of locking, he blocked the card.
Due to the email saying that someone at Citi unlocked the card without my permission, I called Citi Fraud Investigation Department to ask them to investigate who unlocked my card without my consent. First I spoke to a man who refused to open a case because he asked for my card number ( which I do not have ) and he said that the card had been blocked and he could not open a case. Then he passed me to another guy who dropped the call.
I called again and spoke to XXXX, XXXX, and XXXX and finally to the worst of all of them, a male called XXXX, this one said that I had not passed the verification, despite the fact that I have been verified by XXXX who passed me on to him to open the case.
Citibank Fraud Investigation Department is not fit for purpose. Their verification process asks for a passport number which is not in my files, it doesnt recognize my bank account number, which I provided correctly, and ask for a card number, which I have no access because it has not been delivered.
Then I emailed the CEO of Citibank, XXXX XXXX and other Bank executives. My case was then passed to the Executive Resolution Unit. On XX/XX/XXXX I received a call from a female called XXXX who promised that she was going to issue my card and provide a tracking number. She did nothing, and when I complained by email she called me back on Friday saying that she was still working on the issue and that it was unhelpful for me calling several times. When I call her number and ask to speak to her she is never available. This situation is causing me stress, XXXX and Citibank has deprived me to access my money. I was planning to buy a XXXX XXXX present to my son but I do not have a debit card.
I have unsuccessfully spent 255 minutes on the phone trying to get my card, plus a string of unanswered emails
|
| 07/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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This complaint is regarding CITI XXXX credit card. I never received the actual credit card so I will list information that can be used to find my account. Cardholder name : XXXX XXXX Cardholder addresses : - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Last 4 digits of SSN : XXXX Loan type : Flexible Spending Credit Card Lender : CITICARDS CBNA Cardholder phone number : XXXX To Whom It May Concern, Thank you for taking time to review and investigate my dispute and complaint about this delinquent credit record. Background This is a credit card that comes with a XXXX XXXX XXXX membership. Originally, I used to have the XXXX XXXX credit card with this membership. Sometime in XX/XX/XXXX XXXX terminated their agreement with XXXX XXXX ( XXXX ) and switched their customers to CITI XXXX cards ( CITI ). I was one of customers whom they switched to use XXXX CITI cards. Problem When I was signing up for the XXXX XXXX credit card I was promised both verbally and in writing that I am signing up for the XXXX credit card with XXXX policies ( interest rate, grace period etc. ) and consumer protections ( charge disputes etc ). The main reason I signed up for the XXXX card is to have a greater consumer protection, better customer service and flexible repayment terms. After XXXX and XXXX partnership ended, they ( XXXX, CITI and or XXXX ) signed me up for the CITI card without my permission to accept their terms and regulations. I understand the debt can change hands and switching debt from one bank to another it is a normal practice. However, in this case the credit card had {$0.00} balance. I was signed up for a significantly different account with different APR, repayment terms, grace period, rewards, card brand, charge dispute protections, late fee amounts etc. I never agreed to any of the CITI credit card terms and conditions neither verbally no in written. XXXX and CITI signed me up for this account without my consent. It is important to note it was not a debt transfer from one servicer to another, it is a different account. Most importantly the CITI card never arrived to me in the mail and I have never received any credit card bills. However, sometime around XX/XX/XXXX XXXX billed the annual membership fee to this card. Since I was not aware about having this particular card, the balance was never paid and late fees and interest were piling up. What I have done resolve the situation with the creditor Sometime in XX/XX/XXXX I received a call from a CITI representative inquiring about the credit card I have with them. It was the first time I learned that I have this credit card. The representative called regarding the missed payments on this card. After learning about this credit card account, I immediately asked to cancel the credit card and refund the balance XXXX charged along with the late fees and interest. I was told by the representative the card has been cancelled and I do not owe any balance. On Saturday, XX/XX/XXXX I learned about the delinquent account on my credit report associated with this CITI credit card. I called the customer service and asked them again to cancel the credit card and remove all charges. Apparently, they did not cancel it first time I spoke with them. I was assured the card was cancelled and I do not owe CITI any outstanding balances. However, they could not remove the credit record and advised to contact the credit bureaus. Consequences to the Credit Report CITI reported this account as delinquent because the balance was not paid according to their due dates. As a result, the credit score suffered a significant drop due to this situation. It is the only event of this kind on my credit report in the last several years. Currently I am unable to get favorable interest rates on loans and/or disqualified for certain credit products and services completely. Phone call statements and legal recordings of some of my conversations with CITI are available upon request. Feel free to contact me for any additional information, if needed. Thank you Sincerely, XXXX XXXX XXXX
|
| 03/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
On XX/XX/1019 I booked a cruise through XXXX. It was an XXXX XXXX XXXX cruise that included the cruise and the air fare. I used my XXXX XXXX XXXX XXXX credit card and was paid for on XX/XX/2019. I was traveling with my sister-in-law and my niece. When my documents became available I went on line to change seats on the outgoing flight so I would have a seat near my sister-in-law and my niece. I picked a seat and paid for the seat on XXXX XXXX website. I paid {$65.00} on my Citibank AAdvantage credit card on XX/XX/2019 for the upgraded seat. At this time my sister-in-law had noticed that the date for departure of my flight was XX/XX/XXXX and it should have been XX/XX/XXXX. The cruise was departing from XXXX on XX/XX/XXXX and I would have missed that departure. My sister-in-law had set this trip up and then called XXXX, XXXX XXXX, to let her know about this error. XXXX advised that she would take care of this issue. I assumed XXXX contacted XXXX who then made the change in the booking for the flights with XXXX. XXXX only had record of my XXXX Rewards card number and had no information about the Citi/Advantage card number at all. On XX/XX/2019 I received confirmation of the correction of the flights for the correct day of departure. Also on XX/XX/2019 my Citi/AAdvantage card was charged an amount of {$1300.00} that I did not approve of or was ever made aware of until I noticed it on my account through my app. I immediately contacted Citi/AAdvantage card and told them that I did not make this charge and it was fraudulent. I set up a dispute with them and was told that everything will be ok and don't worry about it. Before I left on my trip I tried to track down what had happened and basically did all the leg work for Citibank. I mailed all the information I had to Citibank before I left on my trip. I also advised that that I will be leaving and would not be in contact with anyone until I returned.
When I returned home I had the dispute paperwork sent to me in the mail. I then called them to tell them that I had already filled out this paperwork and mailed it into them. It took some time but they eventually found it. There was a lot of copies of conversations back and forth between XXXX via email and XXXX via emails. XXXX confirmed that they did not charge me and XXXX advised that my flight was booked through a third party ( XXXX ) not through me directly and they did not charge me either. On my credit card statement XXXX XXXX charge for the seat change was from XXXX XXXX. The other charge was from ( my ticket number ) XXXX XXXX California for the {$1300.00}. I questioned XXXX if they had an office in XXXX XXXX, CA and they advised me that they did not. I told Citibank dispute department many times and they said that had nothing to do with it. I have been asking Citibank to show me how the charges came into there location to see the differences between the two charges and I have yet to see any of this paperwork. XXXX has sent them all the information showing that I did take that flight that day and I am not saying I didn't. I agree that I have and that I paid for that ticket through XXXX. I provided the paperwork I received from XXXX of my final documents showing my ticket numbers and my seat change number.
I have still been calling Citibank asking for document proof and they just keep telling me they are unable to get the merchant to issue credit for these charges. I keep telling them I would like to see how these charges came to them with no response to that request. I have told every person I have talked to at Citibank I have lost respect and confidence in their credit card because they are definitely not looking out for my interest.
I would appreciate anything you could do for me at this time. I have been getting charged interest on this money now and have been paying a little off of it at a time.
I am attaching the last big correspondence I have sent them that contains all the pertinent information. They also have the first big batch of emails correspondence I sent to them from XXXX and XXXX.
Sincerely, XXXX XXXX
|
| 10/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Citi accepted a new account application, accepted a valid cashier 's check for deposit, denied access to funds for over 39 days. Funds are not yet available to depositor. Invalidated new account promotion without regard to customer full compliance. Citibank concerns with XXXX Cashier 's Check found to be without merit by Citi.
New Business Checking Account Opened at XXXX Citi XXXX XX/XX/XXXX Checking account accepted/approved by Citibank XX/XX/XXXX Initial Deposit of a XXXX XXXX Issued Cashier 's Check {$5500.00} made XX/XX/XXXX to account XXXX -- XXXX XXXX Cashiers Check XXXX dated XX/XX/XXXX -- At time of Deposit {$320.00} " Available Today '' {$5100.00} " XX/XX/XXXX This is a new accout ( open 30 days or less ) '' Notice from Citi Fraud Prevention `` Your Citi account ( s ) will automatically close within 60days '' issued by Citi XX/XX/XXXX XXXX or about XX/XX/XXXX Debit card arrives at account address. Activation online denied Visit to XXXX XXXX branch of Citi - issuance of replacement XX/XX/XXXX, replacement card issued XX/XX/XXXX via XXXX Notice from Citi Fraud Prevention received at account address XX/XX/XXXX -- multiple phone calls made to Citi ; Fraud Prevention closed, general customer service line indicated account was blocked and scheduled to be closed. Left vmail message to account Rep XXXX XXXX XXXX Follow-up Friday XX/XX/XXXX -- Left multiple vmail messages for account Rep XXXX XXXX XXXX XXXX Spoke to branch representative who indicated that Rep XXXX was at a different branch, would relay message.
Follow-up Monday XX/XX/XXXX -- Left vmail message for account Rep XXXX XXXX XXXX Follow-up Wednesday XX/XX/XXXX-- Visited XXXX XXXX, met with XXXX XXXX, who confirmed and checked all XXXX information was accurate, XXXX called Citi, informed that Citi blocked the account pending verification of validity of Cashier 's Check. XXXXXXXX XXXX statement showing withdrawal requested.
Follow-up Saturday XX/XX/XXXX -- Met with XXXX -- Call to Citi ; informed needed verification of validity of Cashier 's check. ( note I had confirmed with XXXX XXXX prior to visit that check was valid. Unable to secure statement as closed account statements must be processed and mailed. ) -- Provided XXXX with Customer Copy of cashier 's check -- Informed by XXXX cashiers check had cleared XXXX otherwise the account would not continue to show {$5500.00} balance. Unable to provide any support.
Follow-up Saturday XX/XX/XXXX -- Visit XXXX XXXX Citi Branch with XXXX XXXX Statement -- Informed account was blocked and there was nothing anyone could do to assist.
Phone call to Citi Fraud Division Saturday XX/XX/XXXX -- Spoke to representative who indicated account was blocked due to questions surrounding validity of Cashier 's check. Rep indicated that she would need to call XXXX to verify, would I hold. After 5-10 minutes representative returned to the line, indicating that XXXX had confirmed the validy of account and that a message would be sent to " Back Office '' to release the block. Allow 24-48 hours.
-- Requested rep confirm that there were no other potentially blocking issues on the account. Rep confirmed, no other blocks.
Phone call to Customer Service Line Monday XX/XX/XXXX -- Spoke to Rep, told account blocked as the LLC state of incorporation did not match State of California records. Rep informed LLC was a Washington State LLC, placed on hold, Rep returned confirming incorporation information confirmed with State of Washington. Final block would be remove 24-48 hours.
Phone Call to Customer Service Tuesday XX/XX/XXXX -- Debit Card Login unrecognized -- Rep confirmed account was in process of being closed and check would be issued and should be received in 10-14 days.
-- When asked why 10-14 days, rep indicated that was the time period.
-- Rep agreed to contact " Back Office '' and see if closure could be stopped Later XX/XX/XXXX -- Received a call from Citi Cust Service Rep - Closing process could not be stopped Call From Rep XXXX -- Inquiring as to whether I had received by account closure check. Apologized for issues
|
| 01/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Dear CFPB, I am concerned with the process Citibank has in place for their Best Buy Visa card for automatic payments they refer to as Auto Pay. In XXXX, I was unclear how much they were going to deduct from my checking account which caused me issues with my bank.
I was set up in this program with a set amount of {$190.00} each month. In XXXX, I had an emergency that caused me to make a charge that went over my credit limit on my account. My bill was sent to me on XX/XX/2018 with a high minimum payment due to the overlimit amount, however on XX/XX/18, I got a notice that my credit limit had been increased which was a relief since I would no longer be over my credit limit.
On XX/XX/2018, I received an email with a link to a letter stating that I need to make some changes as my set amount of {$190.00} wouldn't cover my minimum payment. On XX/XX/18, I received my monthly Minimum Payment Alert email showing my minimum payment of {$170.00}.
On XX/XX/2018, when reviewing my finances and bills, I saw these notices. I was very confused as it seems my set amount of {$190.00} would meet my minimum due of {$170.00}. To be on the safe side, I changed my auto pay to pay the minimum payment due so that I wouldn't somehow end up past due and I got a confirmation that day of my change.
On XX/XX/18, Citibank attempted to remove {$740.00} from my checking account. Since I was not expecting that, it did not clear, so they attempted it again a couple days later. It did clear, but once again, since I wasn't expecting it, I was concerned when I saw a lower than expected balance in my checking account so I went in to investigate and found what had occurred.
I called Citibank to see why in the world they attempted to take so much out of my checking. The first representative transferred me to a new person who asked if I needed the funds returned. I really didn't, I was able to cover it, just from other accounts. It was more of an issue in that it was unexpected. I wanted to understand why they took that amount. The representative told me that they can't change auto pay mid-cycle ( even though their terms say they may at times for extra payments made so guess they can ). I still asked why they took that amount and how I should have been able to know that's what they were going to take. At one point, I even asked how I could get to my full statement online to see the fine print he was referring to and he didn't answer. He just rushed me to whether I needed the funds returned and to credit me for whatever fees I had incurred with my bank because of it. He did credit me the {$30.00} in fees incurred, however when I asked if he would please report my concern about the lack of clarity in the communications, he didn't say anything about doing that for me or how I could submit a complaint to Citibank myself. I also mentioned I would file a complaint, and he just said I should " do what I feel is right '' in a rather uncaring tone.
I have waited some time to see if Citibank would reach out to me about this, and they have not. Even if Citibank didn't do anything wrong, though I feel this seems like potential deceptive practices, it still seems like a huge opportunity they don't care to address. They are sending confusing communications, and when I look back at everything, there's nothing that makes me understand that on my due date, they will take the minimum payment as it was listed on my statement a month ago and not what my minimum payment is at that time.
I have attached my original e-bill email, the email stating my credit limit was increased, the email with a link to the letter about needing to adjust my auto pay ( I can not provide a copy of the letter as I can no longer access it on their site. They state it expires after so long after you read it XXXX, my minimum payment alert email with my amount lowered, my auto pay update confirmation email, and a copy of the Auto Pay terms they have on their site.
I'm sorry I even have to file a complaint, however Citibank 's representative failed to do anything to address this concern.
|
| 11/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I reserved a room in XXXX in the XXXX XXXX XXXX for the night of XX/XX/XXXX for XXXX through XXXX XXXX XXXX XXXX XXXX XXXX On the XXXX of XXXX, I noticed a charge for {$240.00} on my Citicard account, so I assumed they had accidentally overcharged me as the exchange rate for XXXX was only {$140.00} ; so I entered a dispute for {$97.00}.
I spent several hours and finally got through to XXXX to notify them of the mistake.
On XX/XX/XXXX, another charge from XXXX XXXX XXXX was placed against my card -- for the XXXX. At this point I realized that the entire charge for {$240.00} was fraudulent. I called Citibank to notify them to cancel the whole charge. The representative at Citibank wanted to cancel my card, but I asked them not to as I was in XXXX, where I needed to use the credit card, until the end of XXXX and would have no way to get a card mailed to my residence in NY.
XXXX XXXX XXXX sends emails with reservation details and reminders of upcoming checkins and payments due. I never received any notification for a {$240.00} reservation. They also have a customer dashboard that indicates all of the reservations made and cancelled. I explained these policies to Citibank and sent a photo of my dashboard that showed my entire history from XXXX to XXXX with XXXX and there was no reservation made in XXXX in an amount similar to {$240.00}. ( There is a charge from XXXX for a reservation in XXXX in XXXX that has no relevance to the XXXX fraudulent charge. ) There were XXXX reservations, XXXX cancelled, and only XXXX confirmed, which was the XXXX for XXXX XXXX XXXX I called XXXXXXXX XXXX XXXX and sent photos of my dashboard indicating no reservation for {$240.00} to the agent, who assured me that the charge would be lifted.
For the past several months, I have had repeated conversations with agents at Citibank, as it was obvious XXXX was operating in full knowledge of their fraud. I also gathered from other sources that this practice of false billing is common practice with this XXXX based company.
Despite their inability to uncover any evidence of my having made a reservation with XXXX for {$240.00}, and my submission of evidence to the contrary, Citibank judged the dispute settled in favor of the merchant, so Citi and the merchant get to profit from this fraud.
I have been so negatively impacted by the criminal actions of XXXX that I requested that Citibank deny payment to XXXX for the XXXX charge as well ; instead, they charged for both the hotel I used ( XXXX ) and a hotel I never heard of ( {$240.00} ).
I have been deleteriously impacted for six months by the injustice and waste of time spent pursuing a fair and common sense resolution to this dispute.
I am attaching some of the evidence that I submitted to Citibank : 1. photo of my letter to XXXX with a screenshot of the errant charge from my citicard statement XXXX photo of the XXXX dashboard that shows my entire transaction history going back to XXXX -- no XXXX reservation for {$240.00} in XXXX XXXX the text from an email sent to Citibank, partial excerpt : XXXX charged me a total of {$380.00}, when I only booked services totaling {$140.00}. Despite registering my dispute with Citicard to include the entire fraud, and notifying the merchant repeatedly ; Citi continues to plague me with these charges in support of the scam.
How do I prove a negative... to this day, my account at XXXX shows NO reservation that matches the fraudulent charge : Attached is a photograph of my dashboard with XXXX XXXX XXXXXXXX XXXX ]. The dashboard includes my entire history -- reservations made and cancelled -- with XXXX. Please notice that there is no reservation near the date of XXXX XXXX, nor in the amount of {$240.00}.
There is one uncancelled charge of {$140.00} for XXXX on the XXXX of XXXX, and XXXX cancelled reservations. The next legitimate charge is from XXXX for a reservation in XXXX for {$240.00}, which was paid for in XXXX.
Please return to me all of my funds that you have rewarded to these XXXX thieves.
Thank you for your time and attention.
|
| 06/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
Citi charged me a foreign transaction fee on my Citi Double Cash Credit card, ending in XXXX, with no references to the original transaction and wasn't able to locate or explain the original transaction. In the interaction that ensued with their support rep, I was told that A ) I was charged in a non-existent currency B ) The bank does not record all the details about the transaction and is unable to provide them to me Transaction details, as posted in my account : FOREIGN TRANSACTION FEE {$0.00} Transaction Type : Fees Posted Date : XX/XX/XXXX Reference Number : XXXX I called their support number ( XXXX ) and spoke with a representative, asking to provide me the information I would need to locate the transaction this was related to. The representative told me the fee was for a transaction I was charged by XXXX, for the ride I took in the XXXX on XX/XX/2018, and the currency they charged it in was " Florian '' ( that currency doesnt even exist, Florin was one of the names for the XXXX currency before they transitioned to Euro 17 years ago! The rep even attempted to spell out the currency name, incorrectly ).
When I explained that I was not in XXXX on that specific date, their first suggestion, instead of ensuring the accuracy of the transaction was to suggest I dispute it. I let them know that I didnt want to be banned by XXXX for disputing a valid transaction because Citi has failed to identify it.
I asked for a reference number, given by XXXX, that I could use to locate this transaction by. The reference number I was given ( XXXX ) does not correspond to anything I have from XXXX. As I found out, by digging through my statement online, it was a Citi reference. Which is neither searchable in the online portal nor included in any emails, so is not helpful in locating the transactions.
I asked for the amount in the original currency, so I could find the receipt from XXXX. I was told that it was XXXX " Florians ''. I have not transacted with ANY merchant in " Florians ''. I explained that I have taken XXXX and paid for it in XXXX, along the same dates, so if that was the transaction in question, I was expecting the currency for the XXXX transaction to show up as EURO.
After being placed on hold, the representative went on to explain that, even though XXXX is part of the XXXX XXXX, and that they have accepted Euro as their currency, the merchant chose to charge me in " Florians '', since the transaction was originating in XXXX.
They also told me they have NO WAY to see the transaction 's original amount, in the original currency. All they see is the converted amount in USD, once it is posted to my account, and the conversion rate for the original currency, that was effective on that date. The rep said they would need to calculate it out, which I asked them to do since that was the information I requested. I am highly suspicious of this claim that such an important part of a transaction isn't recorded, as I believe, for compliance purposes, a bank would need to record the original amount in the original currency, the conversion rate, effective on that date, and the final converted amount in USD. Having the bank admit that they don't do it is extremely concerning.
Digging deeper into my statement, while still on the call, I was able to find the original transaction from XX/XX/18, in EUR, as I expected. The amount was XXXX EUR. Which is suspiciously similar to the amount they quoted in " Florians ''.
I've asked the rep to confirm if they were able to see this amount and this currency on their end. They were not. They also couldn't explain why but they were showing a transaction in an ancient/non existing currency that I DIDN'T pay it in.
My previous 4 or 5 calls to Citi support were all related to international transaction and not a single call was resolved. In fact, in every interaction, they were completely incompetent, as the bank, and their reps included. Which I mentioned to the rep I spoke with.
This was the last drop, and as the result, I will be closing my account with Citi that I've had for 12 years.
|
| 01/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
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I have had an ongoing issue with Citibank XXXX starting with them not allowing me my funds from a government check, so they closed my account. I complained to the OCC, citibank then said they would send my funds no later than XX/XX/2021, they failed to do so, i filed complaint # 2 to the OCC, they responded that Citibank was unable to contact me and didnt have a mailing adress, even tho the complaint i filed to The OCC included my mailing address, email address, phone number etc, included all the information. The OCC replied stating the said facts quoted by Citibank ; " once i update my address Citibank will release my funds '', since said letter was recieved ive called Citibank over 25 times, getting hung up on 1/3 times, the other 2/3 times, being misguided and led to believe either " the funds have been mailed '', " the funds are protected by a fraud team that is unreachable '' or " they can not give me any further information ''. So i have now Complained a 3rd time to the OCC about Citibank and their Negligence and misleading information, letting them know that i will now be taking matters further, seeing the fact that they are not going to take action towards Citibank breaking contract, and not following regulations whatsoever. I have copies of all the complaints filed, i have the response email from Citibank as follows " XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Regular Checking Account ending in XXXX Citi Reference Number : XXXX, CC : Consumer Financial Protection Bureau Case # XXXX CC : Office of the Comptroller of the Currency Case # XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, You recently reached out to the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency regarding your concern about Citi XXXX and weve reviewed your request.
First and foremost, we sincerely regret any inconvenience you have experienced. Your comments are invaluable and remind us of the constant efforts we need to make to provide the highest quality of service to our clients. We remain committed to providing service that is efficient, reliable, and professional.
Our records indicate that your account sent an outgoing wire on XX/XX/2021, which generated a fee of {$25.00} and had an incoming wire on XX/XX/2021 that generated a fee of {$15.00}. We have included a copy of your transactions with this letter. These fees were outline the in Client Manual and Addendum you were provided at account opening, also enclosed.
Citibank has the right to close any account with activity deemed a risk to the bank. Attached is the closure letter emailed to you on XX/XX/2021. It can take thirty to sixty days to complete the closure of the account. If any funds are owed to you, a check will be mailed to the address on file once the closure is complete. Sixty business days would be XX/XX/2021 and we are not able to expedite it.
Citi is a not a compensatory bank, and we respectfully decline your request to be awarded {$1000.00} and {$30000.00} for any issues you feel you have encountered.
Although we must decline your request for immediate access to the funds in your account and compensation for any difficulties you have experienced we appreciate the opportunity to respond to your inquiry. '' i also have all the physical copies of the OCC responses and still nothing is getting handled. I do expect compensation from Citibank, and seeing that my Fiance and I are, any day now, going to have our child and those funds are a necessity IMMEDIATELY, I have to further this complaint against the OCC for not regulating this Institution Citibank N/A. I am just following appropriate steps to get this resolved. So with that being said : This letter is intended for " The NationaXXXX Treasury Department or any U.S. Government Agency Regulating the said Complaint. I rightfully am demanding my funds, compensation from Citibank N/A, and this complaint against the OCC to be delivered. I appreciate your time. Sincerely : XXXX XXXX XXXX
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| 02/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I started my Citi mortgage application ( loan application number XXXX ) on XX/XX/XXXX. My scheduled closing date ( a new construction ) was XX/XX/XXXX.
My loan agent said my purchase loan amount is XXXX, but she could try to increase the loan amount to over XXXX to try my other income resources. I paid my upfront fee on XX/XX/XXXX. I then kept checking with the loan agent the progress. On XX/XX/XXXX, I received the notice of providing more information which most of the documents I thought I had uploaded. I asked my loan agent immediately, but got the response back on XX/XX/XXXX with more information needed to provide. I provided the information immediately. There was no update that I kept asking my agent. On XX/XX/XXXX, I got the update to provide more documents which I provided immediately. On XX/XX/XXXX, I got the update that I might not be able to get XXXX loan approval. The maximum they can get is XXXX. This was less than XXXX weeks left from my original closing date. I had no choice, but to work with Citi on the XXXX, and I had to withdraw XXXX more cash from my brokerage account. My agent was still telling me they could meet the original closing date. On XX/XX/XXXX, I got the update to provide more documents including that I had to include my wife in the loan since XXXX bank statement was under her name. We had to rush the application to include her. They surprisingly pulled my credit again. It was about XXXX week from my original closing date. My agent told them they would rush to meet the XX/XX/XXXX timeline which I updated with my realtor agent who told the listing agent and other parties. On XX/XX/XXXX, I got another update to provide more documents which had XXXX days left to close the house. My loan agent still didnt inform me that we need to extend the closing date with the seller. On XX/XX/XXXX, my loan agent said we will have to close on the XXXX since there is no closer during the holiday session. I asked her are you sure that on the XXXX we can close and that I need to update with other parties? '' She said yes. Then we extended the date with a $ XXXX XXXX charge from the seller/builder. On XX/XX/XXXX, we received a XXXX, and asked XXXX questions regarding the XXXX where my realtor said I hope it won't affect the extended XXXX closing date. My loan agent said no, it wont. On XX/XX/XXXX, I got XXXX more documents/questions to provide even receiving my XXXX. I provided it immediately. On XX/XX/XXXX, we got yet another frustrating news that we wont be able to close since appraisal final inspection hasnt done yet, and Citi couldnt waive this. We had to extend the closing date again to XX/XX/XXXX. I tribble confirmed with my loan agent this is the final date that we have signed in the XXXX. If we miss that, we will lose the house and deposit. My loan agent said no problem to set the closing date to be XX/XX/XXXX. However, on XX/XX/XXXX ( after multiple emails/phone calls, my loan agent finally replied that before ), my loan agent told me they started scheduling with the XXXX on XX/XX/XXXX ( XXXX day before the original closing date ), and scheduled the final inspection date to be XX/XX/XXXX which was clearly the Citi loan XXXX messed this up. All parties like seller agent, listing agent, seller ( builder ), escrow all frustrated given barely any communications from Citi loan team until a final notice that they couldnt make it. Since I as the buyer was actively working on this, and wired all the downpayment ahead, sellers gave us the last chance to extend to XX/XX/XXXX the last time to close. Finally, XXXX had the report ready on XX/XX/XXXX, and went through to the Citi system on XX/XX/XXXX. We were able to close on XX/XX/XXXX ( though in the progress before loan approval and funding period, Citi loan barely had any communications with us ).
During the extension and after the loan closing, I asked my loan agent that Citi to pay for the extension fee ( $ XXXX {$2200.00} ). She happily agreed, but same as the loan process. No final response to us even after the loan has been closed for XXXX days.
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| 12/30/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
Older American |
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This letter details a complaint against the Home Depot Credit Services ( Citibank ). On XX/XX/2019 I paid a balance of {$280.00} that was due on my Home Depot Credit card account via check. My financial institution ( XXXX XXXX XXXX XXXX XXXX ) showed that the check had been cashed on XX/XX/2019 and funds in that amount had been withdrawn.
However, the next month I received a statement from HD Credit Services indicating that the payment had not been received and that I owed the {$280.00} plus interest and a late fee. I immediately contacted them to dispute the claim and was told that they had not received the check and that I needed to provide proof of such. On XX/XX/19 I went to XXXX XXXX XXXX XXXX XXXX ( XXXX ) and obtained the requested documentation and both faxed and mailed it to HD Credit Services to the attention of the Payment Research Department. After several calls to verify that they had received the information, I spoke with XXXX on XX/XX/19 who stated that they had received the faxed documentation and it would take 7-10 days to review it.
Yet again I received another bill with a late fee added and was informed that the investigation into our dispute was being closed by HD Credit Services due to insufficient proof that the check was received. The issue seemed to have been that the back of the check was not stamped or endorsed. Therefore, on XX/XX/19 I meet with a Financial Services Representative at XXXX. He was able to obtain a copy of the source of receipt which proved that the money was taken out of the Federal Reserve on XX/XX/19. On this same date I spoke with XXXX from the Payment Applied Department at HD Credit Services. He stated that there was no email where I could forward this information, but I could mail or fax it. This was done on XX/XX/19.
On XX/XX/19 I received a letter from HD Credit Services dated XX/XX/19 stating that I should call them at my earliest convenience. I spoke with XXXX and then XXXX on XX/XX/19 and was informed that I needed to obtain a proof of payee and that I could dispute the issue with my bank or with the bank who cashed that check. The source of receipt was insufficient because it did not show that the funds were deposited with CBNA/THD. When I asked XXXX to send me something in writing explaining exactly what information I needed, XXXX stated that he couldnt do that. Only form letters were sent out because their company is so large and therefore unable to individualize letters. When I asked to speak with XXXX supervisor, he stated that he did not have one, that there were only people in the back on computers!
On XX/XX/19 I spoke with the representative from XXXX again. He is the only person this whole time who genuinely tried to assist me in resolving the problem. Within five minutes he spoke with his accounting department who told him that my {$280.00} check had been cashed by XXXX XXXX XXXX. XXXX stated that they would reimburse this amount to our checking account and note it as a missing check.
When I called HD Credit Services again on XX/XX/19 and spoke with XXXX, XXXX, XXXX and finally XXXX, I was informed that my latest investigation was closed and I needed to take my dispute to my bank or XXXX XXXX XXXX. At this point I was so frustrated with the process and lack of response from HD Credit Services that I decided to pay off the {$280.00} and asked that the interest and two months late fees be waived. XXXX said that it was their policy to only waive the current months late fee and the amount I owed was now {$310.00}.
However, I received a letter dated XX/XX/19 which stated that under the Fair Credit Reporting Act, HD Credit Services was obliged to report my missed payment to XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. While I understand there are federal regulations that must be followed, it seems extremely unfair that my credit rating, which has always been excellent, has been effected by a matter that was beyond my control. I paid my bill in a timely manner and followed through with everything that was asked of me by HD Credit Services.
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| 02/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Servicemember |
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I attempted to use my Citi double cash back CC to pay the final invoice for a new roof for my house which totalled over {$6000.00} but was still well beneath the available balance on our card. Last month I paid the same exact company a deposit for the work which has already posted to my CC statement. The transaction this time for the remaining balance would not go through. I immediately logged online to see what the problem was and received a vague message saying that they suspected fraudulent charges and to call the phone number provided. I am an authorized user on the account but the representative said they could only speak with the primary account holder, my husband who is currently in XXXX. I explained that he was XXXX but had authorized me to use the account and that I can confirm the charge, which was on my card. The representative literally just repeated over and over that she could only talk to the primary. I tried relentlessly to explain that he can not just pick up a phone because he is in XXXX. I was given no other option, no email or online verification process or anything. She transfered me to her supervisor who was beyond reprehensible. I have never experienced such poor customer service. I was extremely distressed and in an incredibly vulnerable situation with my husband XXXX and they offered me no options, sympathy, or advice. I asked repeatedly for an explanation of Citi CC policy for authorized users, what rights do authorized users have in general and she would not tell me anything she just kept saying she couldn't talk to me at all because I was not a primary account holder and she refused to transfer me to anyone else. She finally said I could send in my power of attorney to be able to access the account but the only option is mailing it to a PO Box address and then waiting 5-7 days after they receive it for processing before they will even tell me what is going on with the account in the first place, let alone unlock it. After several distressing messages to my husband he tracked down a phone to call the number Citi CC gave us for him to be able to unlock the account, keep in mind he is calling long distance from XXXX. When he called they STILL refused to unlock the account and verify his identity because they couldn't call his cell phone number that is listed on the account!!!!!! He gave his SSN and answered every other question and because he can't answer his cell phone they wont confirm it's him and refuse to unlock our account or even say what the XXXX is going on in the first place. How is this fraud protection benefiting us??????? They said they would have to mail a letter to our house with a verification code that my husband will then have to call back from XXXX to Citi and tell them the code to unlock the account. So again our only option is to wait 5-7 days for something to travel in the mail. The entire reason we got this CC was to pay for our roof with 0 % interest while we wait for reimbursement from our home insurance company. Now I face having a late payment and screwing over my roofing company because my credit is tied up on a card I can't use. We had several different options for 0 % interest but now we suffer the consequences of a hit to our credit if we walk away from Citi to open a different account or the potential of paying interest on the balance using one of our other cards while we wait for reimbursement. I simply can not believe that this company has no other way to resolve an issue like this. We weren't even the ones who reported potential fraud. I simply tried to use my authorized card to pay a vendor that we paid before with no dispute. My husband called from XXXX gave all his identifying information. I stated the exact charge that I tried to make that they froze the account over. How can they justifiably keep us locked out of the account under the guise of fraud protection when the only thing we couldn't do was answer my husband 's cell phone number or read a text message because the service is disconnected because he is in XXXX!! What on Earth do we do?
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| 08/27/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2021 at XXXX. Citibank called me - violation of 15 USC 1692c ( a ) ( 1 ). This code says that a debt collector ( Citibank ) shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX, local time at the consumers location. Assume is the key word in this law and it is never a convenient time for a debt collector to call me, the consumer, about an alleged debt owed. Causing my phone to ring is also a violation of 15 USC 1692d ( 5 ). When I picked up the phone the automated system said " this an attempt to collect a debt '' which is a violation of 15 USC 1692e ( 11 ). When I spoke to a representative she stated that I had a payment due of {$51.00} which included a {$4.00} late payment. I informed her that I was a consumer and a natural person who does not owe a debt pursuant to 15 USC 1692b ( 2 ). Also stating that I have a late payment is considered obscene or profane language or language the natural consequence of which is to abuse the hearer or reader pursuant to 15 USC 1692d ( 2 ). She asked if I would like to speak to her supervisor and I said yes. When the supervisor, XXXX I think was her name came on the she stated that I had an outstanding debt and asked how I would like to take care of it. I told her pursuant to 15 USC 1692b ( 2 ) that a debt collector can not state that a consumer owes a debt. I gave her specific laws that she was violating and then asked her if there was a finance charge associated with the Best Buy-Citibank card. She said " yes ''. I told her that pursuant to 15 USC 1605 because there is a finance charge this confirms that this was consumer credit transaction. She said that she does have anything to do with credit bureaus and I can direct my concerns to them. I said ma'am this does not have anything to do this credit agencies and asked her if they adhere to Truth in Lending Laws and she said yes. I stated well if you adhere to Truth in Lending Laws then you should know that 1 ) I do not owe this alleged debt 2 ) my data elements extended Citibank this credit so my signature is was payment. She said she was not a lawyer and they have a legal department to handle this and I told her that an attorney can not represent this corporation as it relates to this matter pursuant to 15 USC 1692e ( 3 ). She said that because I signed a contract I can't just expect not to pay I have to fulfill my contract. I told her that that contract is fraudulent especially if I extended my credit and they have my negotiable instrument to turn around and say I owe them anything., which is also a violation of 15 USC 1692j. 12 USC 412 covers application for notes. Then the supervisor asked me " does this mean you are saying that you are not going to pay, because if you are not then I can to the paperwork to send you over to collections '' - this is a violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ). I told her that I wanted I wanted a notarized letter from Citibank showing me where they have " loaned '' me money as a validation of debt. The word loan is not defined under Truth in Lending Laws or under the Fair Debt Collections Practices Act ( FDCPA ) so I cant pay anything that the law doesn't define as it relates to myself as a consumer. The supervisor asked me the same question again " does this mean you are saying that you are not going to pay ''. I said I've already told you what I needed and I am on a recorded line and any further communication needs to be sent through the mail. She said she did not agree to be recorded. I said " I never said I was recording you, I said I was on a recorded line, when I picked up the phone the Citibank automated system said that this call was being monitored and recorded, so again if there is anything else that you need from me you can put in the mail ''. She said that she was going to fill out some paperwork and put me on the do not call list and I said while you are at it put a cease and desist notice as it relates to the collection of any debt. After I said that I hung up the phone.
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| 08/15/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
Servicemember |
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My card was opened XX/XX/XXXX. It took about 2 weeks to verify all my information. So on XX/XX/XXXX I initiated a dispute regarding a merchant. I did n't know that Citi gives provisional credit pending a dispute. I do n't carry a balance on my card so I accidentally over paid. I currently have a credit of {$3400.00} on my secured credit card account. On XX/XX/XXXX I was told that my funds with be released and available for use because I have n't had available credit for some strange reason. So I spoke to a Citi representative on the evening of XXXX after I spoke with her for 5-10 min about if I needed to send in supporting documents regarding my dispute she then say she needs my phone number I gave her my cell phone number the only number on my account. She says she ca n't verify who I am. I ask well how when none of my personal information has changed. Then she said my account is in review as I 'm already aware. I responded no I was n't aware. She could n't explain to me why it was in review and state she couldnt give me anymore information regarding my account because she ca n't validate my information. I was confused because a previous representative verified who I was before I was transferred to her. So I advised I no longer wanted to do business with Citi card and I 'm requesting my card to be closed. She then hung up on me. So I called the morning of XXXX around XXXX. I spoke to XXXX in the fraud XXXX XXXX department I asked him why was my account in this department? He asked did I loose my card or something I said no my account has been open for a few weeks. I told him I was calling to close my account. He put me on hold and then tells me my account ca n't be closed. I asked why? He said when the review is complete then I can request to close it. I asked why all of a sudden when I want to close my card you put my card in a status that Citi claims it 's not allowed? So the XXXX the customer service representative asked had I received a letter from Citi. I said no I have n't. He said well I should of received a letter regarding the review. I said I just spoke with customer Friday XXXX and my account was in no type of fraudulent status but seems when you all were supposed to refund me my overpayments my account is now in review. Then the representative said my letter was mailed yesterday XXXX so I asked him how would I receive a letter that has n't even been in transit with the post post office 24/hrs. So I asked to speak to a supervisor. XXXX refused he said he needed my phone number. I told him my phone number is on my account it 's the same number I been calling from. I just gave the Citi customer representative XXXX the same number. So after about 10 min argument I gave him my phone number then he asks for it again. I explained to him I just gave it to you. I had to ask him 10 times to speak to a supervisor because I was in the process of making complaints. And I told him a customer should n't have to ask more than once to speak to a supervisor. Finally I was put on hold. Then after 3min the customer service representative XXXX said the supervisor was on another call and that he could call me back and he asked for my phone number. I told him I would continue to wait. So 5 min later XXXX conferenced me in to a Citi fraud XXXX XXXX supervisor names XXXX. I explained to him about the difficulties with the previous representative and that I was requesting to close my account. He put me on hold then stated he was advised my account ca n't be closed. So I asked who advised you do I need to speak with another department or send you something in writing. He said I need to send a copy of my social security card. I asked why? He said when people request there cards to be closed they have to have a copy of there social security card. I told him that makes absolutely no sense. I told the supervisor XXXX I had a right to no longer do business with Citi. No different if they had no longer wanted to do business with me. Citi is refusing to close my account and refund my deposit. This is a secured credit card.
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| 05/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Servicemember |
|
Complaint - Denial of medical short sale with signed sales contract with cash offer and medical documentation.
XX/XX/XXXX - Real estate attorney submitted a signed sales contract with a cash offer of {$230000.00} for a short-sale to Citibank Mortgage for my documented medical condition.
XX/XX/XXXX - Buyer 's lease expired and needed a place to live and agreed to rent our home from us for the cost of the mortgage during the short sale process. Taxes were not included and we could not afford to pay them. We could only maintain paying our 2nd mortgage of {$220.00}.
XX/XX/XXXX - We moved across the country, which did provide a more stable climate. I noticed physical results nearly immediately and I did have a better quality of life.
XX/XX/XXXX - Our attorney contacted us stating Citibank denied the short-sale. Our attorney indicated they could appeal the decision to the next level. We agreed to proceed.
XX/XX/XXXX - We were contacted by our attorney to inform us of a second denial. Our attorney said he could escalate the file again. We agreed to do so, as we did not believe Citibank was paying attention to the medical reason, and Citibank was only focusing on the lack of lateness of our payment given the current situation of that time.
XX/XX/XXXX - We were told by our attorney, that Citibank denied the case again and did not want to see this file again until it is 3 months late. This confirmed to us, my medical condition was not in consideration which was the only reason for the sale.
This entire time we were inundated with multiple requests for the same forms/documents that were sent in MULTIPLE times, or Citibank constantly had a change in our account specialist and they seemed to need all the documents resubmitted and we were starting all over again, MULTIPLE times. We tried to explain we're trying to do the right thing by obtaining a buyer for our home & ask for forgiveness due to my sudden ongoing medical condition. Citibank told us to default on the loan in order to be considered. We followed their instruction and wrecked our credit in the process. Then we started getting collection and foreclosure notices due to us following THEIR instruction.
XX/XX/XXXX - Our buyer was getting weary with the whole short sale situation.
XX/XX/XXXX - Our CASH buyer got tired of waiting and told us that they are looking for another house. Funny, XX/XX/XXXX, I got a letter from Citibank that the file was complete and we could expect an answer in 30 days. However, just on XX/XX/XXXX, they sent a list of 8 things they still needed. I don't think this is coincidence but Citibank learned that our buyer pulled out and Citibank just covering their paper trail.
SUMMARY : We did the right, responsible thing in securing a buyer but ultimately Citibank gave us an ultimatum to move back and confirm once we arrived for them to work with us or destroy our future because I had an ILLNESS that was beyond controlling with medications. After moving back to the home, we had to do a re-modification of our loan, and that has hurt us further. The " trial '' period was still considered late on your credit. Our mortgage was sold twice now since XXXX, XXXX. However, my physical health is getting worse being in the climate we live, and we need to sell our home but can't as we can't pay a realtor fee just to break even. I believe what Citibank did to this family was wrong on so many levels. 1st we are responsible people which on XX/XX/XXXX my husband and my credit scores were XXXX & XXXX, now we're hovering around XXXX from the only late 's on our credit, Citibank. 2nd, we have paid well over {$10000.00} in medical bills for me since we weren't allowed to short-sale our home, and we had to pay twice to move across the country when it should have only been once and will be a third time now at some point. 3rd, the home that we planned to purchase was {$240000.00} in XXXX, now it is {$350000.00}. 4th, I suffer daily because Citibank would not let us short-sale our home responsibly and Citibank acted as if they were MY DOCTOR.
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| 10/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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XXXX XXXX, Thank you for your assistance in facilitation of the ongoing dispute in the amount of {$530.00} from XXXX XX/XX/2022 with Citi, associated with Vendor XXXX. What was supposed to be an enjoyable family event has turned into a problematic ordeal with Citi and this Vendor ; CFPB will note that this is our first and only disputed charge associated with our card, which has otherwise been frequently used without issue.
This Vendor falsely represented itself in its marketing as an official venue ticket seller. We contacted the Vendor prior to purchasing the tickets to validate they were associated with the venue, which was confirmed to us. The dollar value of the tickets that was charged to the card was not what was agreed, and it was not adequately disclosed to us as customers that the transaction was non-refundable ( in fact, we have since discovered that there ARE circumstances in which the Vendor can/will refund such charges ). We were alerted to the cost issue by the text alert Citi offers to its cardholders, such that we did not recognize or authorize the {$530.00}. Immediately upon noticing this, we contacted this Vendor again ( same day as order, weeks in advance of the event which was held in XXXX, FL on XXXX XX/XX/2022 ). They told us there was nothing they could do and we should take the matter up with our credit card company despite a proactive attempt to resolve the matter with the Vendor directly.
We followed Citi 's dispute process, but the investigators were not able to reach a favorable outcome. Based on the vague, ambiguous form letter Citi sent, we do not think they reviewed the documentation we provided to them in detail. As of today ( XXXX XX/XX/2022 ), Citi agreed to " re-review '', but we are not convinced this will yield a result in our favor, either. We are aware that this outstanding charge is negatively impacting our otherwise outstanding credit ; thus, we need some help from CFPB.
I have three ( 3 ) points of irrefutable evidence to support this dispute : 1. Email generated as a by-product of the disputed charge. CFPB will note a few things here : o Reference to XXXX XXXX this Vendor / Name alerted us that this was not a venue vendor but instead a reseller -- - we did not knowingly or willfully enter trading relationship with this Vendor Pink Palanca.
o CFPB will note that an E-mail received by us from the Vendor contained an Accept Tickets button We did not, at any time, accept tickets to place tickets into our Ticket Folio or take possession of tickets in question at any time. In other words, the Accept Tickets button was never clicked, and tickets were never transferred to us by this Vendor that would support or substantiate this charge.
o CFPB will also note the Vendor website contained the following language : In instances of fraud, they may be cancelled at any time This completely and wholly refutes the Vendors claim that all orders are Non-Cancellable, Non-Refundable, etc. given this direct disclaimer.
2. Email generated as a by-product of the subsequent order through venue Vendor XXXX : o Ticket numbers placed through our XXXX order are directly behind and adjacent to the seats associated with the disputed transaction with XXXX XXXX Why is this important? We have photographic evidence that the Vendor in question -- - because we did not accept the tickets in question -- - sold the tickets to another customer, and the seats in question were occupied, meaning the Vendor associated with this dispute ( XXXX ) is trying to double-dip here! This is financial fraud, and I will also be outreaching the FTC regarding the same, so this Vendor is not able to attempt to victimize any other consumers.
XXXX. I also have a screenshot of transaction with official venue ticket vendor XXXX dated XXXX XX/XX/2022 which shows the correct amount for the tickets we purchased ( despite a charge to the contrary by the other Vendor ). We made this several days after the original, following a good faith dispute placed on the aforementioned transaction for the reasons stated.
|
| 02/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
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I applied for a Checking Offer received in the mail addressed to me by Citi - {$400.00} after depositing >= {$15000.00} within 20 days of account opening, then maintain the balance for at least 61 additional days.There was an invitation code on the flyer.
Account opened XX/XX/XXXX Account funded XX/XX/XXXX Withdrawal of funds in excess of minimum required to avoid maintenance fee : XX/XX/XXXX, remaining balance {$1500.00} Reached out to Citi via chat more than once regarding bonus eligibility from the months XXXX - XXXX after meeting the requirements.
Multiple confirmations that I had fulfilled the requirements and the bonus should post " on the next statement '' Here is a log of my interactions : XXXX XXXX XXXX XXXX Citi has been XXXX XXXX XXXX XXXX XXXX XXXX for several months now through official channels and now must be escalated for resolution.
XX/XX/XXXX Opened case - XXXX to look into the promotional bonus not posting, was told it should be resolved in XXXX business days ( XX/XX/XXXX ) XX/XX/XXXX Followed up and was told to check back in another XXXX business days ( XX/XX/XXXX ) XX/XX/XXXX was told they escalated the case to the appropriate team, will receive callback when XXXX XXXX XXXX ) gets an answer.
XX/XX/XXXX XXXX a call from XXXX confirming account met eligibility requirements, but the offer code was incorrect. He was going to look into correcting this. No further follow up from him XX/XX/XXXX Letter received in the mail detailing that research has concluded and the code was invalid. Was asked to provide a copy of the promotional flyer XX/XX/XXXX Called to ask where to send the flyer. No one was able to locate an address and they would get back to me in XXXX business days with that address via email.
XX/XX/XXXX Still no word on the address, called to follow up. Advised to take a picture and a fresh case was opened to upload the record via email. Should take XXXX days to upload and then by Friday should be resolved. XXXX was the rep I spoke to Email address = XXXX Subject line : Case ID : XXXX password for email should be : XXXX XX/XX/XXXX No word from Citi XXXX Called to follow up again. Today is day XXXX and they said it could take up to 5 business days, so call back Monday when it's the fifth day.
XX/XX/XXXX Called again to see why this was not resolved yet. Was told this was already escalated, and having supervisor from client relations look into this while on the line. Investigation may time updated to take from 5-20 business days. Should be resolved by XX/XX/XXXX.
XX/XX/XXXX Received notice that the offer code used was invalid, just as on XX/XX/XXXX. Was asked to send the promotional disclosure once again. This was already sent.
XX/XX/XXXX Called to ask for the team that works these cases. Spoke with XXXX. Will refile case because they confirmed I was eligible for the offer with their sales rep.
Possible Explanation ( XXXX thought ) : System error causing the Invitation Number on promo flyer to put in an invalid code, which was not discovered until several months later.
New Case number : XXXX with Urgency note. Response should happen within 5 business days, Thursday XX/XX/XXXX XX/XX/XXXX Waited until Monday to call back to avoid Friday call volume. XXXX is going reach out to another account specialist. Case status shows someone is working on it. Still being worked on. Should have an answer by the end of the week ( again ).
XX/XX/XXXX Called and they said we have to wait until XX/XX/XXXX for the XXXX business day threshold to pass. They are still investigating XX/XX/XXXX Called and the case was still pending after the XXXX business day threshold. Was told to call back the next day XX/XX/XXXX Called and was told there was a letter that was sent out, and I need to wait for that to come in the mail, despite the notice not being on my account under Notices and Letters, which should be instant and automatic...
XX/XX/XXXX Filed CFPB complaint as I have been more than lenient with trying to resolve this issue in good faith between Citi and myself, to no avail.
|
| 08/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I wish to report fraudulent and unfair business practices by the credit card operation at CitiBank. They are cheating customers, in violation of law, by how they handle disputes and credit refunds.
Basically, when a customer disputes a charge, they open a sham investigation and post a " conditional credit '' for the charged amount. The customer may spend this credit on charges but may not withdraw it in cash. The account gets frozen so that even other, unrelated credit balances may not be withdrawn. Then CitiCards does nothing while keeping the dispute open for 90 days or more. Sometimes, as in my case, much longer. Even when the merchant voluntarily resolves the dispute by posting a refund, still they keep the dispute open and hold the customers money. Below I give two examples.
On XX/XX/2020, I charged {$16000.00} to XXXX XXXX XXXX XXXX ( the merchant ) for a cruise. I paid CitiCards for that charge, in full and in cash, on XX/XX/XXXX. About a week later, the merchant cancelled that cruise. Immediately I disputed the charge ( XXXX ). CitiBank waited three weeks, finally opened the dispute on XX/XX/XXXX, and posted a conditional credit of {$16000.00} to my account.
At that point, my account had a credit balance of {$16000.00}. ( The early payment I made, plus the conditional credit, less the original charge. ) The merchant told me, via email, that they issued a full refund of my money on XX/XX/XXXX. So, as of XX/XX/XXXX, the dispute should have been resolved in my favor, since the merchant agreed, and I should have promptly gotten back my {$16000.00} early payment which the merchant had refunded.
Instead, Citi kept the dispute open, failed to post the merchant refund, and held my early payment of {$16000.00}. I contacted them repeatedly, via phone and chat, asking for a refund of my early payment. Each time, they said that they would promptly send it ; however, it never got sent. As of today, ten weeks after the merchant refunded my money, CitiCards still holds my {$16000.00} early payment and refuses to return it.
It seems that the policy, at Citi, is to keep every dispute open for at least 90 days, even if the merchant issues a full refund in the meanwhile. Also, they will make no refund of an unbilled early payment while any dispute is open.
In a second incident on the same date my wife, XXXX XXXX XXXX, charged {$35000.00} to the same merchant on her separate CitiBank credit card. She, too, made an early payment of {$35000.00} and later disputed the charge. Citi notified her on XX/XX/XXXX that the merchant had posted a refund for the full amount ( a month earlier ) and her dispute was therefore closed. CitiCards kept the dispute open, even after the merchant refunded all money, and to this day, ten weeks later, CitiBank is still holding the {$35000.00} early payment, refusing to return it despite repeated requests.
When a customer disputes a charge, and the credit card company issues a conditional credit, that credit offsets the charge and brings the net balance to zero. This is not what happened here. We prepaid the charged amount before disputing the charges. Since early XXXX, our accounts have had a combined credit balance of {$51000.00} owing to early payment of the disputed charges. This is the money that CitiCards has refused to refund. It is money that we never owed and never got billed for.
As of today, XX/XX/2020, CitiCards still owes us {$51000.00} that we sent them early last XXXX, even though all disputes have been resolved ( in our favor ) and the merchant has long since refunded the money to CitiBank ( on XX/XX/XXXX ).
Admittedly there would have been no problem or issue if we had not made an early payment. Even so, CitiBank has no right to keep our early payment for charges that were never billed to us and that have long since been refunded by the merchant.
I can only hope that CitiBank will refund the {$51000.00} they owe us at some point. I hope, also, that you will shut down their fraudulent credit card operation so others will not be cheated as we were.
|
| 05/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I have an AAdvantage Platinum Select Card by Citi. I am carrying a Balance from 0 % interest Balance Transfer Offer and have been making payment that exceed the minimum required payment.
My XX/XX/XXXX Statement showed a Membership Fee charged on the last day of the Billing Period plus a small interest fee charged the same day. No other purchases appeared on the Statement. I called Citi to request that they remove interest fee as I was not given the Grace Period to pay off the Membership Fee. The representative agreed and credited the interest charge.
My XX/XX/XXXX Statement showed no purchases made, an on-time payment that exceeded the sum of the minimum payment and the Membership Fee, but also showed a new " Standard Interest Charge ''. I again called Citi to request that they remove interest fee as I clearly met the Grace Period criteria to avoid paying interest [ 0 ]. The representative agreed and credited the interest charge.
My XX/XX/XXXX Statement showed no purchases made, an on-time payment that exceeded the sum of the minimum payment and all previous fees & interest, but also showed a new " Minimum Interest Charge ''. I again called Citi to request that they remove interest fee as I clearly met the Grace Period criteria to avoid paying interest [ 0 ]. The representative agreed and credited the interest charge.
My XX/XX/XXXX Statement showed several purchases made, an on-time payment that exceeded the sum of the minimum payment and all previous fees & interest, but also showed a new " Standard Interest Charge ''. I again called Citi to request that they remove interest fee as I clearly met the Grace Period criteria to avoid paying interest [ 0 ]. This time the representative decided to file a Customer Compliant with his Supervisor so that the Supervisor could resolve the matter.
At this point, I believe Citi is intentionally overcharging customers interest. I can provide my statements to prove my case. I also believe Citi 's Consumer Rights Procedure [ 1 ] place undue burden and risk upon the Customer for identifying, documenting, tracking to resolution their Customer Complaint.
[ 0 ] How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing period. We will not charge you any interest on purchases if you pay your New Balance by the due date each month. This is called a grace period on purchases. If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. We will begin charging interest on cash advances and balance transfers on the transaction date.
[ 1 ] Your Rights What To Do If You Find A Mistake On Your Statement. If you think there is an error on your statement, visit us online or write to the Customer Service address shown on the front.
In your letter, give us the following information : Account information : Your name and account number.
Dollar amount : The dollar amount of the suspected error.
Description of problem : If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
|
| 05/03/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I sent a previous complaint [ Ca se n umber : XXXX ]. Despite XXXX separate applications in XXXX long years, with long delays and changing representatives through which I persevered heroically, I kept being denied. While I dont try to change the outcome, my concern is with the process. CitiMortgage has not been in compliance with the government guidelines, regarding loan modification for people whove had a hard time maintaining their loan. The reason I am certain about my rights being violated and your bank being in non-compliance, is because I pursued same with XXXX regarding my second mortgage with them. They followed the rule and within XXXX months, from when I filed the first application with them ( same ti me I filed my first application with you ), they approved it and modified my loan in ways that allowed me to stay current. In contrast, C iti ha d done everything wrong, and whether incompetent or purposely indifferent, they failed even to record my numbers correctly. But well get to this in order. First when discussing my application initially, I was given wrong information. Such guidelines and criteria for approval, were dismissed and changed later. Even the idea of being current with my loan, I was told that it is unnecessary, thus I borrowed money to pay so as to be in good standing. Later on, after denial, I was told the opposite. Second all documents that I sent, were requested time and again. Dragging the application between XXXX and XXXX months. Third when it arrived at the underwriters, they requested same yet again. Fourth when I was denied, I was never given the breakdown of the exact numbers that were part of the underwriters calculation. All I was told was that I was denied and after demanding the numbers, I was told a summary and not the breakdown. That is important, because as you will see, once I processed my complaint through the Consumer Financial Protection Bureau, a breakdown was provided, which showed that Citi h ad my information entirely incorrect. Fifth Citi had not even include d the CitiMortgage loan into my debt service. I mentioned it numerous times but no one could help. Sixth When I finally looked at the breakdown, I found that Citi had modified my debt upwards, and my income downwards, thus diminishing the percentages, in a convenient self-serving and arbitrary way. Seventh Every time my file gets escalated I get yet another misinformed representative who doesnt know my file and has limited access to its content. All that the rep does is to repeat the underwriters statement and recommend that I appeal or start another application. Eighth I appealed but not surprisingly - no XXXX read my updated info and was denied again. I did reach XXXX of the supervisors a year plus ago, following XXXX of my previous applications, XXXX XXXX , and they told me that the percentages are entirely different. When I look at the guidelines for loan modifications are typically in the XXXX percent to XXXX percent range. Citis arbitrary 55 % is non-compliant. I could go on and on. Currently, after I filed a complaint with the CFPB, I filed a feedback with them and they promised to investigate it further with promise to take action. They were encouraging, especially since my case was so coherent, well documented and since XXXX had approved the same loan, your bank had taken XXXX years and XXXX app to deny. I will fight this and use legal means if needed. It may not be unreasonable that if they pursue this discriminatory and prejudicial arbitrary and non-compliant means of abusing people with loans from their bank, that judges may dismiss your loan entirely. In essence, I wanted to modify my loan, so that I can continue paying for my home and be in good standing. They forced me to be delinquent in payment. Consumer Financial Protection Bureau Complaint number : XXXX Date submitted to CFPB : XXXX / XXXX / XXXX Date sent to company : XXXX / XXXX / XXXX
|
| 12/08/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
On XXXX the XXXX of this year 2020, I have ordered a set of appliances from Home Depot and took advantage of their offer XXXX XXXX 24 months of financing for purchases of XXXX or more with a {$100.00} coupon when you open a new account order id XXXX was scheduled to arrive on XX/XX/XXXX of 2020 ( DOC A ) After going back home and checking online I found valid a rebate that was not offered to me, I am attaching it as DOC B.
I print the coupons and spoke with my sales representative he apologized for missing this extra discount and told me they would have to cancel the first order and re-order so I would be able to get the 10 % off.
On XXXX the XXXX of 2020 I went back to the store to repair the situation, I upgraded the stove order since I was going to be given a 10 % off to a convectional stove with an air fryer model, the dishwasher from the first order was not available anymore so I chose a different model, the fridge and the microwave stayed the same I will include copies of the second-order as DOC C.
After finalizing the order I notice that a 10 % coupon was never applied since the prices on the refrigerator and microwave stayed the same and no discounts were given plus the {$100.00} off or 24 months interest-free for {$5000.00} or more purchases was also not carried over the new order.
On XX/XX/XXXX XXXX XXXX arrived at my house to deliver the appliances, the dishwasher had damage to it so we refuse to receive it, they never installed any of the appliances although it was promised to me that they would do so, I had to figure how to put the handles of the fridge together one of the doors on the fridge is at least 1/2 '' lower than the other.
On XX/XX/XXXX after they delivered the appliances I went back to XXXX XXXX to resolve the dishwasher situation. I waited over 30 days for these appliances and the next day XXXX had already scheduled with a contractor to finalized all installations, the only option the store gave me was to purchase another one they have in-display wich for this unit I had to pay cash since they were still to figure it out how they were going to give me the credit back for the dishwasher that came damaged in my order, they could not simply switch.
The next day after the contractor came and cut my granite to fit the range and finish all installations when I went to use the stove I notice that the stove delivered was different from the one I ordered. The stove is not convectional with an air fryer model. I once again called the store to resolve the issue and they reported to me that I would have to once more pay first for the stove so they could fix the order. I was in shock and only later realized that this company is so unorganized that they manage to credit my account 100 % by mistake.
So this is the situation I am facing now. I am reporting that the 10 % discount coupon had misled hundreds of consumers since I have living proof that they bump up the prices on the website and at the end of the day the price is the same as you can check DOC B and DOC C refrigerator and microwave are exactly the same after applying " the coupon '' I have been trying to make the store make the order right to me by delivering the correct stove but they are claiming they no longer have the model and are forcing me to keep the stove they delivered or they would come and pick up all the appliances. Without my agreement, they have already attempt last Saturday they send a truck to pick up the appliances. I am not running away from having the card recharged again and I understand I do have an obligation to pay for the appliances I ordered but this store has done me so wrong that I want to make sure before I agree to pay again that they make things right.
1- 24 months free of interest and {$100.00} off for opening the account 2-10 % factory rebate including the dishwasher I had to pay out of pocket since after over 30 days of wait they got me a damaged appliance.
3- I want the correct stove I ordered and my contractor to be paid to install the correct stove once they delivered to me.
|
| 10/07/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX I received an email informing me that a " Account Closing Notification '' letter is available on my mobile app, when I attempted to log in I received an error message saying " having trouble logging in ''. So I changed my password to see if it was the problem and it was not. Later that evening I called the bank and was told by a rep that the account was in the process of being closed and was referred to the fraud department and no other information can be given over the phone and was hung up on multiple times when all I wanted was to know why my account was being closed. I was informed that it can take up to 60 days for the account to be closed and for a letter and a check to be sent out, I was asked each time I called to confirm my address, and my mother 's maiden name, which I did each time I was asked. On XX/XX/XXXX I called to get an update since I had not received a letter nor a check for my balance of {$8700.00}. The rep I spoke to this day was very understanding and helpful but could only send out an email to the department who was investigating since it was the 63rd day since the email was sent about the account closure. The rep also told me that the department handling the claim was not taking any calls at this time. The rep gave this number to call to get updates. XXXX opt XXXX, when I called I was told nothing can be done over the phone, I have to wait until they investigate. I was also told to go to a branch multiple times and they would be able to assist and release the funds, I had mentioned to multiple reps that I lived in a state that did not have branch locations. On XX/XX/XXXX my mother went to a branch location in New York to speak with a Branch Manager and told him the situation and was told to come back the next day because he needed to consult with someone. On XX/XX/XXXX, when my mother went to the branch at the specified time the XXXX asked her to come at, that branch manager was not there and another manager told her to tell me to write a letter stating that a check was said to be sent out to me and had not been received, stating that the closest branch is over 20 hours away, and asking what steps to be taken since I was unable to go to a branch. On XX/XX/XXXX2, the letter that the manager on XX/XX/XXXX told my mother to write was sent out via USPS Certified Mail to XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, TX XXXX, the letter was signed for on XX/XX/XXXX, and I received the return receipt on XX/XX/XXXX. I called the fraud customer service number and was told that the account was still under review since the date of the notice I received and was hung up on. On XX/XX/XXXX, I drove from Texas to Florida which was the closest branch location. I am currently 4 month pregnant and due to the pandemic I am unable to fly. On XX/XX/XXXX I went to a branch I was told 2 things can happen, the money could be released if they verified that the check the bank stated that was sent out was never cashed, or they can send an email to the department handling the account and go from there. That evening I reached out to the rep in the branch via email for an update, I received an email stating the rep was speaking with a fraud specialist and that currently it is pending and to expect some communication and there was nothing else that he can do, other than give me another number to call which was the ACH line XXXX opt XXXX then opt XXXX. He also opened a case for the current ongoing investigation and provided it to me. When I called the number provided to me I was told the same thing again abut waiting the 60 days for the account to be closed and funds to be given, I was told the process again even though it had been well over 90 days. I was also told that I was misinformed when I was told that going to a branch will help resolve my issue and that I basically travel over 45 hours round trip for nothing. I just want for this to be over and for my hard earn money in MY savings account to be released to me especially because my account was frozen in the middle of a pandemic.
|
| 04/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I dont know where to begin ; Cit has been aware of this problem for a month done nothing, I opened a Gold account that was supposed to have a dedicated manager : I was able to transfer funds & log on, & the account linked to my Citicards ( so there was no security issue ). Then I got locked out, for no reason, & Cit could not verify me at all, in any way, because it claimed it needed my new debit card, which is negligent per se since I didnt receive it for another ten days. There was no reason for this since Im already fully verified with Citi. The nightmare then escalated for 7 weeks. My alleged dedicated manager disappeared without leaving any notice on her phone, so I waste a week waiting for her to contact me. When I finally got the card, Citi could not verify me because it had to call me on its automated system & it wont recognize my voip phone. It gives you no other way to verify yourself. Ive dealt with a dozen agents over a month ( some of whom Ive IDS for & can provide, some of whom lied & refused to give any, all of whom lied ) l wasted an entire week of my life, been locked out of my checking account & all my citicards. Im put on hold for hours by Citis managers because they can not get through to their tech support. Ive lost whole days of work waiting on hold & still accomplishing nothing ( Ive records of all the calls & emails ). Ive been promised this would be addressed weeks ago, & now the people allegedly handling it, XXXX XXXX & XXXX XXXX, have not even returned emails for more than a month. Ive had to buy 3 flights because I can not get into my Thankyou account & use my points as I had been planning for months. Citi was aware I also would be away for weeks in XXXX & unable to get calls at home. Every aspect of their system from the start has been negligent & broken. Citi has lied to me repeatedly, not responded, & only after a month raised the vague option of going to a branch, which I couldnt do while away ( I told XXXX repeatedly I would be ). It has thereafter refused to address ANY questions ; it will not verify in any way how I can restore access, address whether I need to go into a branch, & has only sent cut & paste responses insanely telling me to change my password. I believe theyve showed criminal animus & recalcitrance throughout ; Ive had no access to my checking or any credit card accounts for XXXX weeks. In terms of their response, I updated my phone number only at the direct instruction of their agent. It is beyond belief for them to tell me yet again If you have not done so, please create a new User ID using your ATM card ending in XXXX. During the process of the registration, you may be once again prompted to do the OTP or you can enter your ATM PIN since OTP can not be received. I went through this process for entire days, & their negligent system will not verify me by phone whether I use an ATM #, my old credit card log ins, or speak agents ; their agents have explicitly acknowledged, after keeping me on hold for hours ( when not disconnecting me ) that their phone system can not verify me no matter what I or they do. Ive also yet to receive any explanation for why their system allowed me access to my account the first days, then suddenly cut me off for no reason ( even under their own pretexts, they were either objectively negligent in first allowing access or objectively negligent in then removing it. None of the 10+ agents allegedly handling the matter have responded to dozens of emails asking them to follow up on their misrepresentations or specify how I can restore access : there is absolutely nothing confidential in those emails, as they address only procedures, not any specifics related to my account. I have contacted Citi at least 50 times over seven weeks and gotten no actual information or any resolution. I am resending the explicit questions Citi has refused to answer for XXXX weeks : Let me know if the only way I can apparently restore my access is by going into a branch & the first date I can close my account without losing the promotion.
|
| 04/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I am including a letter detailing the problem : XX/XX/2019 Citibank Attn. XXXX XXXX, Branch Manager XXXX XXXX XXXX XXXX, CA XXXX RE : Account No. XXXX XXXX This is a request for reimbursement of two mortgage payments withdrawn in error by Citibank after already being aware that the mortgage was transferred to XXXX and XXXX has their own system for making payments who were receiving payments already on a different date which required a date early in the month.
We did a careful review of all the XXXX statements, a history of XXXX account detail showing three payments applied over the three-month period and my Citibank statements showing six mortgage payments made in three months with one XXXX payment refunded. Citibank records show the numerous phone calls I made to resolve the situation and correct the duplicate mortgage payments and be refunded for Citibanks error being duplicated each month. Two payments that still need to be refunded were withdrawn from my account on XX/XX/XXXX and XX/XX/XXXX respectively. I was instructed by XXXX to request refund from Citibank on two occasions as it was explained that my request for resolution of the payment mishap was denied by XXXX and the error was completely with Citibank. I received this information initially from XXXX only several days after my initial request for a resolution when the mix-up first occurred. In XXXX when duplicate mortgage payments were about to happen, I notified XXXX prior to the XXXX payment cleared my account. This payment was refunded to me by XXXX via Citibank customer service assistance.
This problem began three months ago when XXXX took over the mortgage from Citibank. A mortgage form was required by me to set up payments and the new amount was {$1000.00} set for the XXXX of each month. I noticed the first month of the new mortgage was preceded by a Citibank transfer to XXXX on or about the XXXX of each month in the amount of {$760.00}. When duplicate mortgage payments were made at this time, I immediately notified Citibank by phone and in person and phoned XXXX. XXXX assured me that they were taking care of everything and concluded by reassuring me that the error would never happen again. XXXX explained to me that they required a different payment date near the beginning of the month and set the payments for the XXXX of the month.
The second month of the new mortgage was identical to the first with duplicate payments again. On the day I was to have the problem solved by Citibank Customer Service I brought the problem to the attention XXXX XXXX at Citibank in XXXX, CA. The problem was understood and verified that the duplication had occurred. On XX/XX/XXXX we had a three-way phone call with XXXX and I asked if my money would be refunded and was assured it would be. I asked for a payoff of the loan. It took three days to get the payoff document from XXXX and on XX/XX/XXXX I sent a wire to XXXX to payoff the loan in full.
I found that the month of XXXX is requiring yet another payment by Citibank to XXXX on a loan I paid off XX/XX/2019. After phoning Citibank to resolve the problem, finally it was necessary that the checking account was closed on the XXXX to protect my account from yet another reversal to my request to delete the scheduled payment. I saw no end in sight to stop the nightmare of erroneous extra payments being scheduled and then occurring no matter and now recovery of my finances is still a real struggle as all money has not been recovered. When the initial duplication of mortgage payments occurred, I used the Citibank online system and deleted the withdrawal scheduled for the old mortgage. Two more months of problems I had the assistance of the mortgage teller to delete the scheduled withdrawal with no success and the next time had XXXX XXXX deleted the scheduled withdrawal without any permanent result.
I am requesting a reimbursement for two additional errors made by Citibank in the amount of {$1500.00} to be paid to me and sent to my address at XXXX. XXXX XXXX, XXXX, CA XXXX.
Sincerely, XXXX XXXX
|
| 08/31/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I, XXXX XXXX, opened a checking account with Citibank onXX/XX/19 with a promotional offer of XXXX AA miles upon completion of 2 tasks.
Terms and Conditions of this promotion are as follows : For Citibanks Retail Checking XXXX AAdvantage miles Offer ( XXXX AAdvantage miles Offer ), Eligible Customers are ( 1 ) New-to-Citibank Customers, ( 2 ) who enroll in the AAdvantage XXXX miles Offer, ( 3 ) are at least eighteen ( 18 ) years of age, ( 4 ) have a valid W-9 or XXXX on file with Citibank and are not subject to back-up withholding, ( 5 ) have an AAdvantage account and ( 6 ) perform the qualifying activities indicated below ( Required Activities ). New-to-Citibank Customers can not be current owners of a Citibank consumer checking account or have been an owner on a Citibankconsumer checking account within the last XXXX calendar days before enrollment in the XXXX AAdvantage miles Offer.
If you are an Eligible Customer and enroll and fulfill required activities ( see required activities below ), you can earn XXXX AAdvantagebonus miles. AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within ninety ( 90 ) calendar days from the date you complete all required activities. At the time the AAdvantage bonus miles are to be credited to your AAdvantage account, you must have an open AAdvantage account and the new Eligible Checking Account must be open and in good standing.
Eligible Customers must open a new consumer regular or interest checking account in The Citibank Account Package ( Eligible Checking Account ) between XX/XX/XXXX and XX/XX/XXXX. Fiduciary, estate, business and/or trust accounts are not eligible for this Checking Account Offer even if they otherwise meet the definition of Eligible Checking Account. However, trust accounts that are a Living Trust and custodial accounts are eligible. All accounts are subject to approval.
Within sixty ( 60 ) days of opening the Eligible Checking Account, Eligible Customers must perform the following required activities : Spend at least {$400.00} on qualifying purchases using your, or any authorized users, Citibank Debit or ATM Card. Qualifying purchases must post to the new Eligible Checking Account within sixty ( 60 ) calendar days of account opening2 ; and Download the Citi Mobile App from your app store ( or text XXXX to MYCITI [ XXXX ] to receive a link ) and log in to your new Eligible Checking Account3.
Below are my purchases totaling more than {$400.00} : XXXX XXXX, XXXX Debit PIN Purchase XXXX # XXXX XXXX XXXX - {$57.00} {$10000.00} XX/XX/2019 Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX MN XXXX - {$25.00} XX/XX/2019 Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX MN XXXX - {$25.00} XX/XX/2019 Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX MN XXXX - {$25.00} XX/XX/2019 Debit PIN Purchase XXXX XXXX XXXX XXXX - {$110.00} {$10000.00} XX/XX/XXXXXXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MN XXXX - {$8.00} XX/XX/2019 Debit PIN Purchase XXXX XXXX MINNESOT XXXX XXXX - {$3.00} XX/XX/2019 Debit PIN Purchase XXXX # XXXX XXXX XXXX XXXX XXXX - {$66.00} {$10000.00}XX/XX/2019 Debit PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX - {$56.00} XX/XX/2019 Debit PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX - {$22.00} XX/XX/2019 Debit PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$16.00} XX/XX/2019 Debit PIN Purchase XXXX XXXX # XXXX XXXX XXXX XXXX - {$16.00} XX/XX/2019 Debit PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX - {$9.00} XX/XX/2019 Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX - {$9.00} {$10000.00} XX/XX/XXXX ACH Electronic Credit XXXX XXXX XXXX XXXX XXXX {$10000.00} {$10000.00} The App was downloaded within a week of opening the account I logged into my new checking account I have made several calls and secure messages to citibank and they can not XXXX find the promotion or not sure what the promotional code would be. Two calls that were over 40 min. long were dropped on there end when I was put on hold.
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| 10/12/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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XX/XX/2022 tried to use my Citibank Debit card for purchase but was declined twice. We tried to use my wife Citibank debit card for purchase but also declined.
We came home and called Citibank for explanation to see what was happening. They said account is blocked/ frozen at present point and wait till after XXXX XXXX weekend for issue to get resolved.
XX/XX/2022 - Account closed by Citibank. No reason provided. Said we would expect a letter in the mail and outstanding amounts will be sent out via mail to registered address.
XX/XX/2022 - XXXX letters sent out by Citibank ( arrived XX/XX/2022 ). One for Checking Account XXXX and one for Savings account XXXX.
Context from letter attached- We periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account ending - XXXX / XXXX and your other related Citibank accounts.
If there are any funds that belong to you at the time of closure, Citibank will issue you an official check for that balance to the address on file.
Sincerely, Citibank Fraud Department.
This was the 1st mention of fraud for our accounts from the letter sent by Fraud Department. Citibank said over the phone they would provide a reason for closing account. This was not provided. Also with an alleged fraud matter, Citibank is obligated to provide evidence of fraud for us to challenge, explain, provide evidence of the contrary. This has never been provided. Merely, during periodic review, we can no longer service account.
XX/XX/XXXX - {$50.00} Cheque for balance of XXXX account XXXX. Sent via XXXX with tracking number, received after XXXX delivery.
XX/XX/XXXX - Additional phone call to see status of other cheque from XXXX department. Advised to be patient and wait for XXXX - XXXX business days for cheque.
XX/XX/XXXX - Phone call to Citibank Fraud at XXXX EDT, spoke to XXXX. He said in order to access the remaining Checking funds, I would be required to visit my nearest Citibank branch in person to Verify my identity, my account and prove that the money in the Savings account is XXXX. Then I can fill a claim and request the refund be mailed to me by cheque.
XX/XX/XXXX - Flew on XXXX XXXX from XXXX, KY to XXXX, IL. This is the nearest Citibank XXXX. Had appointment at XXXX XXXX XXXX with XXXX XXXX. XXXX verified my documents in order to prove my identity ( SSN, Passport, Drivers Licence ). Accessed my account and told me XX/XX/2022, checking account funds were withdrawn ( {$7800.00} ) and balance is XXXX. Account is officially closed. I requested tracking number, cheque number and expected date of arrival.
XXXX called Citibank Fraud Department and spoke to agent who advised that there had been no cheque sent out, there is no XXXX tracking number and the funds are being HELD ( against my will ) and is being processed by the Ultra high fraud block. XXXX provided me the number to call this department however the number directs you back to normal XXXX channels and I am unable to speak to anyone in the XXXX XXXX XXXX XXXX department.
XXXX could not provide any assistance as she explained that my Account had a {$0.00} balance and she could not return funds if there werent any. Citibank XXXX tell me that it has been elevated to the XXXX XXXX department and they can not provide me with any more information.
XX/XX/XXXX- I flew on AA from ORD, IL back to XXXX, KY.
XX/XX/XXXX - Called Ultra High Fraud Block department again this am to request an update, letter, evidence or anything to track down where my funds are. Was told to go into a Citibank office in person for this, they can not prove me any more information.
As you can see, I am stuck in a never ending loop where Citibank will not accept responsibility or return my funds and directs me the Fraud Department and the Fraud Department will not provide evidence, says it is with higher division with whom I cant speak with and directs me to visit a Citibank branch in person.
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| 06/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am seeking a credit of {$1800.00} from Citi for merchandise that was not provided to me by XXXX XXXX ( merchant ).
XX/XX/XXXX ( Order 1 ) : I ordered a sleeper sofa from XXXX XXXX ( merchant ) for {$2600.00} using my Citi / AAdvantage Platinum Select credit card. The estimated delivery time was 20 weeks.
XX/XX/XXXX ( Order 2 ) : I ordered two sofas from XXXX XXXX ( merchant ) for {$3400.00} using my Citi credit card. The estimated delivery time was 20 weeks.
XX/XX/XXXX : I realized the two sofas would not fit in our space, and I canceled one of the sofas and received a credit from the merchant for {$1500.00} on my Citi card. The remaining balance was {$1800.00}, which is the amount that eventually became an issue on which I opened a dispute with Citi. It is the amount I have been seeking from Citi since then.
XXXX, XXXX : I received updates from the merchant that my two furniture pieces were being manufactured and were expected to be delivered as scheduled in XX/XX/XXXX and XX/XX/XXXX- and all seemed good.
XXXX XX/XX/XXXX : When communication with merchant indicated there were delays in the delivery, I contacted Citi Cards dispute department by phone to open a dispute on the sleeper sofa bed ( {$2600.00} ) and the sofa ( {$1800.00} ). However, the dispute on the sofa was credited incorrectly for the original full price of {$3400.00}, and Citi credited my account while they investigated the dispute. In the meantime, I pursued the issue directly with the merchant.
XX/XX/XXXX : It appeared that I had resolved the issue with merchant, and in order for the furniture to move forward, I needed to cancel the disputes with Citi, which I did. The XXXX XXXX merchant then experienced additional delays with the sleeper sofa bed ( Order 1 for {$2600.00} ), and I eventually received this piece in XX/XX/XXXX. There is no current issue with Citi on this item.
XX/XX/XXXX : I again became concerned with delivery of the sofa ( Order 2 ) and again contacted Citi to open a new dispute for the single item for {$1800.00}. I was assured by the agent in the dispute department at Citi that this was opened as a new dispute.
XX/XX/XXXX : In early XXXX, I received a form letter from Citi stating that there was nothing they could do because I had closed the dispute for the amount of {$3400.00}. This was reference to the previous dispute, not to my current dispute for {$1800.00}.
XX/XX/XXXX : The merchant closed its doors and shut down. On my own, I have pursued the sofa through the new ownership of the merchant company, and they initially were encouraging that I would receive the sofa ( Order 2 ). As noted above, I did receive the sleeper sofa bed ( Order 1 ) in XX/XX/XXXX.
XX/XX/XXXX : Upon learning the status of the merchant company, I again contacted Citi dispute department by phone regarding the response to XX/XX/XXXX letter and again explained this was a new dispute and was told by the dispute agent that my request would be investigated.
XX/XX/XXXX : While I had an open dispute with Citi as described, I continued to pursue the sofa with the new ownership of merchant. After a series of back and forth with them, I was notified that I would not receive the sofa for which I had paid the previous company ( that this new company had taken over ). I was out {$1800.00} and was not getting my sofa.
XX/XX/XXXX and XX/XX/XXXX : I made two additional calls to Citi to check on the status and was told that it was still being investigated.
XX/XX/XXXX : I received the same form letter from Citi stating that there was nothing they could do because I had previously closed the dispute for {$3400.00}. This letter was in reference to the previous dispute, not my current dispute for {$1800.00}.
I realize that Citi is not responsible for what happened through the merchant closing it's doors. However, one of the reasons to use a credit card is to have some sort of back-up when issues like this occur.
Here I am today contacting CFPB to see if you can assist me in getting my money back through Citi.
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| 04/14/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
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The Home Depot is always sending me advertisements/receipts to my e-mail account.
Since I'm now working from home, I'm doing other work around the house ( CORONA = SHELTER IN PLACE ) ; so when I saw another " HOME DEPOT '' on XX/XX/XXXX, I opened it ( thinking it's another advertisement ), but it was a " MINIMUM PAYMENT DUE ALERT '' Statement Balance : {$2800.00} Minimum Due : {$84.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$81.00} NOTE : I DON'T REMEMBER SENDING THIS!
ACTION TAKEN BY ME : I called Home Depot XXXX on XX/XX/XXXX & XX/XX/XXXX & tried to explain to a Supervisor ( 1st CallXXXX = DISCONNECTED/HUNG-UP on me? ) that I NEVER received my statements in order to monitor my account & the " PROMOS '', & he said that I signed up for " PAPERLESS BILLING '' when you " REGISTERED '' your # XXXX account. I NEVER REGISTERED FOR THIS ACCOUNT.
We went back & forth with this argument ( in a CIVILIZED discussion ), which went NOWHERE! In order to avoid any more accruing interest, while I investigate further, I paid the ENTIRE BALANCE OFF!
Payment Amount : {$2800.00} Payment Date : XXXX XXXX EDT Confirmation Number : XXXX After further investigation, I found that I did open AN ACCOUNT on line back in XXXX.
However, that was for a FORMER ACCOUNT # XXXX which was subsequently CLOSED! I found this out by trying to log-on to the ACCOUNT ( in question ) # XXXX, but I could NOT log-on! Why? Citi-Bank ( Holder of Home Depot accounts ) stated that I " NEVER REGISTERED THIS ACCOUNT ''. If I " NEVER REGISTERED THE ACCOUNT '', then how did I " AGREE TO PAPERLESS STATEMENTS ''? You MUST be " REGISTERED '' in order to receive " PAPERLESS STATEMENTS ''.
Home Depot stated that I signed up for " Paperless Statements '' to receive my monthly bills, & that I also agreed to paying ONLY the " minimum amount due '' to be withdrawn from my bank account ( XXXX XXXX ) monthly. These are false statements, for I never agreed to have my Home Depot account # ending in XXXX follow these guidelines. They have been taking between {$60.00} & {$90.00} out of my XXXX account # ending in XXXX since XXXX, XXXX. I would NOT notice these small amounts taken out for 3 reasons : 1st : When I log-on to my XXXX XXXX the first thing I see is my checking balance, & then I go to " BILL PAY '' ; Open my " PAPER '' bills, from OTHER " PAYEES '' = Pay them.
2nd : When I look at my " Checking Statement '', I see " CHECK XXXX '' under the heading 'description ', & - {$84.00} under the heading 'Debit/Credit '. It is NOT 'described ' as " HOME DEPOT '' ; you must 'click on ' " view check details '' in or to see that it's made out to " HOME DEPOT ''. That's the system for ANY written check. How do I know whether/not my wife didn't write the check.
3rd : It's really NOT a SUBSTANTIAL amount of money, that could be EASILY overlooked. Which helps Home Depot & leads into the following.
I believe they used a system of deceptive techniques prior XX/XX/XXXX : 1 ) I paid previously by phone to pay a bill & gave them my XXXX XXXX routing & account numbers. They now have these numbers.
2 ) Since I buy goods utilizing their 6,12, or 24 month NO INTEREST PROMOTION plans, they waited until I was well into ( +/- a few months ) paying off the 1st PROMO. ( I used more than 1 PROMO over years ) 3 ) They stopped sending me " PAPER STATEMENTS '', took " MINIMUM PAYMENTS '' out of my XXXX XXXX XXXX account ( WITHOUT MY AUTHORIZATION ) every month, & stated " PAY BY PHONE '' on statements I NEVER received.
4 ) Since they were NO longer sending " PAPER STATEMENTS '', I was thinking that my " AUTOPAY '' in XXXX XXXX paid/was paying the debts off.
5 ) As a result the ( 21.99 % INTEREST RATE ON ) " PROMOTIONAL BALANCES '' ( There were 6 in all ) missed their expiration dates, & XXXX in deferred interest charges were applied to my account, totaling {$1300.00}. Also, these overlapping fees are NOW part of the " REVOLVING BALANCE '' AT 21.99 %. In all I was charged approximately {$1700.00} of " PROMOTIONAL + ACCRUED REVOLVING '' interest.
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| 02/24/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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The charges that the company are alleging have occurred are on a closed account for a canceled service ( I-the customer have canceled these ). Best Buy did go back and credit part of the balance, but they are not taking care of the late fees associated with wrongly charging this card.
The Sales Associated recommended applying for and using a Best Buy card when we checked out at Best Buy XXXX on XX/XX/XXXX. He suggested using it for the great discount and said that we could pay it off when we were at the register before leaving the store. This is what we did do and these receipts are available if needed, but arent in question. The representative also recommended Best Buy XXXX XXXX service to help with a computer. We were unfamiliar with this service, the associate explained how it worked. He said that we would really like the service since we live an hour and fifteen minutes from the nearest store and we can drop off the item to be repaired or we can call and get assistance over the phone.
On XX/XX/XXXX, I brought a tablet computer to the store for repair. Upon getting to the XXXX XXXX XXXX, I was met with rude service. This repair service man was quite angry that I brought a tablet to be looked at without a previously scheduled appointment. He refused to help me and was speaking to me in such a way that a higher up in the department came over to help. The higher up agreed to take the tablet and that they could check it in when they had time available.
When I returned to pick up the tablet the service was not much improved, with the XXXX XXXX member telling me he was too busy to tell me what problems had been repaired.
With these being my only interactions with the XXXX XXXX, I immediately ( while at the checkout desk ) asked for the tech support service to be canceled. Proof of the cancellation is included and is dated XX/XX/XXXX.
Since then, I have not been in a Best Buy store or utilized their services in any form or fashion.
In XXXX of XXXX, I received a letter from CitiBank that my account was delinquent. I didnt have a CitiBank Card XXXX so I called and asked what this was referencing. When I called the lady asked for my card number, however I didnt have a card number. She could tell me that it was in reference to my Best Buy card. To clarify, I have never received a Best Buy card in the mail and have only used the store on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and always used my social security number on the keypad and paid the total before leaving the register. This CitiBank associate couldnt help me and advised me to call the local Best Buy store.
I did call the local store the same day, but they couldnt help me since it was a credit card issue.
It wasnt until XXXX of XXXX that I received a Best Buy Account Statement that showed an open balance, but wasnt itemized. When I called them, the associate gave me three different totals that were due ( the totals all varied between XXXX and XXXX ). She said the charges were from renewing my XXXX XXXX membership. I did explain that the membership was canceled well over a year ago and that we hadnt returned to the store or renewed the membership in any way. She said they would need to look into that, Id be receiving a letter in the mail in 6-8 weeks with their decision. They did deny my claim and refused to credit the account.
I have received monthly statements since this time and have called and asked about the charges nearly monthly. The charges have changed, but none of the associates can give me further information about them. I have asked to be forwarded to a manager, but have been unsuccessful in speaking to them.
In XXXX of XXXX, I received a credit collection letter from XXXX XXXX XXXX. Upon calling to discuss the previous events with them, she said that they would reach out to the company and look into the charges. They are stating that CitiBank reviewed the account and says the balance is valid. I greatly disagree with this for the above reasons and have evidence to support this being an unauthorized charge.
|
| 02/03/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Previous Response : XXXX To whom its may Concern, Im writing to inform that Citibanks last response to my inquiry was both inaccurate and untrue. Understand that just becasue you guys dont believe me doesnt mean Im incorrect and I refuse to let this lousy bank treat me unfairly when its you guys who stopped serving me. I was told that someone from the frauds department was attempting to contact me and thats all a lie, I would pick up the phone and theirs a never ending circle of I dont know what to tell you XXXX XXXX but you have to pay this balance back, but what you guys fail to note is phone call after phone call that came in from me working with you to fix this issue, You guys literally trapped me bank visit after bank visit, phone call after phone call and just said I must pay all the money back and accusing me as a thief indirectly over the phone and in person in one XXXX, NY bank. So the most common sense response is that you guys need to do additional investigating and whatever you need to do to get down to the bottom of this instead of making it a financial battle and saying okay you dont wan na pay, let me give this issue to my big bully friends to annoy people about something they have no physical or mental control of. I didnt spend the funds, deposit any funds or ever received any funds from my account after XX/XX/XXXX. Then an ignorant Citibank or a third party employee replys to my first complaint, professional doesnt address him/herself at all and just mentions a false title as if your really notified of any of this case ( You reply with lies and unproven results ) and act as if you are really trying to help when you havent done anything to help in almost a year. I worked so hard and diligently to work with your guys to find a solution and get to the bottom of this and you guys are all just a lazy at Citibank. Branch appearance after appearance and even willing to call the police to the branch at my home to solve this problem then Citibank notified me that this wouldent be necessary until their fraud team investigates further and they will let me know if a police report is necessary. So you all at Citibank Collecting a fat office slaary and contributing the most minimal support to its clients note, that will stop as soon as you guys begin to care about customer retention and growth. The manager in this Citibank department needs to have a reality check becasue you do not deal with clients that have a good history with your bank like so Im any matter what they did or being accused of, you investigate properly, And at least allow a due trail before trapping me every time on the phone and saying Their is no further way we can help you, you just need to pay back that balance debited from your account. Did you ever check the cameras at your ATMs did you ever check the Cameras at the Bank Branch where someone posed as me with my information and false identification becasue I had my id on me through the week of XX/XX/XXXX and you guys just handed them your money. A Lazy Citibank Employees fault in XXXX XXXX becasue your only worried about your check at the end of the week and deserve an investigation to see if you guys really care about benefitting the branch becasue your not and I truly believe theirs crooked Work beyond Citibanks vision causing illegal transactions like this to must need some kind of insider help if you guys are as safe as you claim Citibank. This is not or never a good customers fault, and for you guys to be so lazy and inadequate about this response is completely different and why your shareholders and lenders will be completely embarrassed and dissapointed when this issue Rises to the surface becasue I will refuse for you guys to ridicule me and give me headaches over the phone when you clearly know 0 Citibank employees were willing to do any additional investigating in the first place. Then deny my request to resolve and reverse this issue when there isnt anything you guys have ever tried to do to help since I came to the bank to report this issue.
|
| 09/17/2021 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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Web |
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Citi has repeatedly sent and continues to send personal offers to me to open an Accelerate online savings account and receive a {$100.00} bonus. I have held a Citi credit card for years with no issues, so I responded to this offer.
On XX/XX/XXXX, Citi allowed me to open the account online, which I did with my own true identity and information. Citi accepted my substantial opening deposit. The online access I already had for my Citi credit card was automatically connected to this account. Citi sent a debit card and a PIN number through US mail on XX/XX/XXXX.
On XX/XX/XXXX, before I had even received the PIN and debit card, I received the attached email, informing me that, " Based on a recent review of [ my ] Citi ( R ) Accelerate Savings account, '' I had " violated the terms of [ my ] account per the client manual. '' The email said that my account would be closed. This, despite no activity having taken place on my account other than the act of opening it with an initial deposit.
I called the number provided in the email to inquire about this, but the representative would not provide any information because I did not yet even have access to the account number, which was still in the mail, so I was told that I could not be verified. Citi refused to provide any information regarding the accusation that I had violated the terms of my account.
After providing all the personal information one would need to commit identity theft, and getting nowhere with the representative, I spent most of the morning convinced that I had fallen victim to a scam designed to steal my credentials. I ended this call and found that my Citi online login credentials, which had worked for years without issue, no longer worked -- even to access my credit card, which was not to be closed. This further convinced me that I had been scammed and that someone had stolen my access and substantial deposit.
I lost most of the day of work as I attempted to notify Citi that I had been the victim of fraud. At every turn, the banking side of Citi refused to help me or even acknowledge whether my deposit had been transferred. They demanded that I prove my identity using information that had not even made it to my house from US mail and accepted no other means of verification. Even when the credit card customer service agent directly told the banking agent that I was verified, Citi refused. Eventually one agent did verify that my initial call was with Citi and not with scammers, but did not verify that my funds were present and refused to provide any information. At various points, I was told that I had committed fraud or that there was a derogatory mark on my account, but no further explanation was given.
I was repeated told, from a script, that I must wait for a letter that would arrive via XXXX mail and provide more information. I was told that I would receive my substantial deposit amount as a paper check, sent via US mail, after an unacceptably long wait ( I forget whether it was 30 days, 60 days, or 6-8 weeks -- this was verbally communicated to me ). I was not comfortable with the security of my deposit, a substantial portion of my savings, traveling through the mail, which has repeatedly failed to deliver important items. Thankfully, I was able to recover my funds by initiating an ACH dispute with my original bank.
Finally the letter ( attached ) arrived. Instead of any explanation or acknowledgement that Citi had opened an account, taken my money, and held it hostage despite no action on my part, the letter simply said that " an account can not be opened for you at this time for the following reason ( s ) : Early Warning Decline. '' I called Citi again, this time verifying my identity using the debit card that had arrived, and was again given no information.
I did eventually receive a check from Citi, after my original bank had already recalled the funds. But Citi continues to refuse to provide any explanation, despite having accused me of fraud and/or having a derogatory mark on my account.
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| 04/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In short, I am stuck in this re-fi application for 7+ months and it's still going, everyone I have worked with in CITI bank ( the mortgage manager I am working with, the loan processor, their managers after the issue has been escalated since beginning of XXXX ) has been extremely hard to work with. They : have giving inaccurate info and false promises ( we'll get to your application real soon but no exact ETA ), are hard to get a hold of ( irresponsive on chats and emails constantly, always giving excuses like being out of office but without giving any notice or backup plan ), and often provide false information without verifying or straight up lying ( would tell me I am the 2nd on the re-fi list after a 7 months wait, then weeks after, come back and tell me I'm 4th on the list ).
I am happy to provide more details of each interaction/conversation upon request. Below is the rough timeline of events.
Last XXXX I got in touch with a mortgage adviser at CITI bank ( recommended by a realtor I worked with ) for a refinance ( specifically, it is a cash-out refinance for my current primary residential address which currently has no mortgage on it, to pay off mortgage of my second property which currently has a mortgage on it, then, the plan is to switch it to a non- cash-out refinance to even further lower the rate, all were planned with the same mortgage adviser at CITI ). I submitted my application early XXXX of last year. It was a incredibly frustrating experience because I not only have to experience this huge delay and also don't have insights into what I'm waiting on, I was also encouraged to stick to this application instead of shopping else where because I was constantly told this process will be done soon without actual ETA. The mortgage manager and the processor were both constantly out-of-office and not being responsive to emails or other communication channels ( XXXX is the real time chat app we use to communicate ), and at the same time, they would ask me to constantly refresh my documents without sending any ACK on reception of the docs or letting me know things like " now we are good '', " now we are just waiting on xxx to happen ''. So I am constantly asked to refresh my documents but at the same time in the dark on whether they will be any useful or whether they are going to get stale without even being looked at by underwriters. The whole doc collection process has also been done very unprofessionally, they would for instance, constantly ask my insurance agent the same documents over and over, reach out to me for the same documents even after having gotten in touch with my insurance agent, etc.
Starting from fall last year, I have been told that my application was just pending for the final approval but 7/8 months have passed by and I am still here without loan getting properly processed. During the process I have expressed my concern on the delay and my frustration multiple times, without getting any sufficient resolution. At the beginning of XXXX, I asked the mortgage manager to escalate this issue to her manager, and her skip manager, who for the first time was able to explain what's going on with the underwriter shortage, but still wasn't able to explain why as top of the oldest re-fi files CITI has, can not get prioritized properly with such amount of wait. I decided to be patient because I was told that I was top 5 ( then, 2nd ) in the queue and my file would be processed in the next 2 weeks, that was at the beginning of XXXX. Now we are here, 4 weeks later, not only my process was not moved forward, I was also told I was now 4th in the re-fi queue without further explanation. I understand new purchase can push re-fi files later in the queue, but I don't understand how my files can be pushed down the list even within the re-fi queue. It doesn't seem like my application is going anywhere and I am now stuck, with the financial loss ( what I could have saved, going with a speedier mortgage company ) and mental torture ( the frustration I am dealing with ).
|
| 10/26/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I am a XXXX who recently moved to the United States for work. I opened a Citibank account ( checking and savings ) with the branch associate XXXX at the XXXX, CA branch on XXXX XX/XX/21. The banker that I spoke to, XXXX, informed me of a promotion where I could receive {$700.00} for depositing and keeping {$50000.00} in the account. I transferred the {$50000.00} via interinstitutional transfer online from my XXXX XXXX account to this Citibank account, and called Citibank 's customer service for help with this transfer. I made this transfer on XXXX XX/XX/21 and it seemed to go through on XXXX XX/XX/21 according to the confirmation receipt provided by Citibank.
On XXXX XX/XX/21, I was notified by email that my account had been suspended and I no longer had access to my account. I called the Citibank, who referred me to the fraud department. On XXXX XX/XX/21, I called the fraud prevention department and spoke with XXXX, who said my account was under review. On XXXX XX/XX/21, I called the fraud department again ( XXXX ) and the agent said my banking relationship with Citibank would be terminated and the account will be closed due to suspicious activity from the {$50000.00} transfer ( again, the branch associate advised me to make this transfer to get the promotion ) and I would no longer be able to receive credits. I asked when I can expect my money back and they said they couldn't give me a timeline, other than the account will close in 30-60 days and a check will come by standard mail after. This is a very long wait time to get my money back. I asked if I could get my funds at the branch and she told me I can try but the branch would need to call the fraud department.
On XXXX XX/XX/21, I went to the physical branch in XXXX, CA ( XXXX ) and spoke with XXXX. I brought my passport and drivers license as proof of identity, utility bills for proof of residence, and all the account information that was given to me when I made the account. XXXX called the fraud department, and the fraud specialist ( XXXX ) told the branch banker that they can not reverse the closure decision or unblock my account for me to take my funds from the branch. Furthermore, they instructed me to call the institution from which I made the transfer ( XXXX XXXX ) to file a claim to reverse the transfer. They said that once I had done this, the remaining balance would be delivered by check, but they refused to provide me with a timeline. On XXXX XX/XX/21, I called XXXX XXXX as instructed by Citibank and spoke with an agent named XXXX. She said that the funds have already left my XXXX XXXX account and have reached their destination at Citibank, they can not reverse the transaction, and that they had never heard of the process that Citibank described to me. XXXX told me that this is all a Citibank issue now and I will need to get the funds from them directly.
On XXXX XX/XX/21, I called the fraud prevention department again and spoke with XXXX. I explained the situation as it is written here. XXXX asked me for my phone number for verification purposes, and then after I told him the phone number I have connected with the account, he told me that my phone number cant be used to be verified my account. He refused to provide additional information or tell me why he couldnt verify my phone number and wouldnt allow me to speak to a supervisor, and then hung up on me. I called again and spoke with an agent named XXXX who again asked for my phone number, and she also hung up with me after telling me that she couldnt verify my phone number.
In summary, Citibank is holding a large amount of money in my account that they have frozen. I have contacted Citibank a total of six times over the phone and in person, and they have given me conflicting instructions on how to get my money back out of my account and now refuse to communicate with me over the phone. They also have not given me an exact timeline as to when I will get my money back, only that it could take at LEAST two months. It has now been almost one month.
|
| 10/19/2017 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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On or about XXXX/XXXX/XXXX I filed a complaint with the cfpb ( complaint # XXXX ). Subsequent to what I thought was the resolution to the situation I waited for contact from the loan originator or their representative. As I was not contacted by anyone, I made contact with the loan originator - Citibank NA - today XXXX/XXXX/XXXX.
Today I phoned XXXX, an office in the midwest ( all the person on the phone would disclose when I asked his location ). I spoke to XXXX. We had a short, high energy discussion that ended when he hung up on me.
I phone back immediately in the hopes of reaching another representative. Turns out XXXX is the only Citibank employee that takes " recovery '' calls. I habitually take notes during conversations during customer service and during other types of phone calls, I am attaching my phone notes from my 2 conversations with XXXX for your review and understanding of who I was dealing with - a customer service/Citibank employee witha combative mindset.
As a consumer who is doing her best to meet her financial obligations it is disheartening to have a loan holder advise me that when they terminate a relationship with a collection agency they are under no obligation to advise the consumer. This lack of communication creates a situation wherein the consumer falls behind in their payments because the old agency is no longer taking calls on those accounts and the new agency has yet to contact the consumer.
Citibank terminated their relationship wth XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. In XXXX I received a demand letter from XXXX XXXX XXXX XXXX ( as you know from my original complaint # XXXX.
The purpose of my complaint today is to raise awareness of what I feel is a predatory practice n the part of both the student loan and collection agency industries.This is a no win situation for consumers.
I am a highly educated, intelligent woman who runs a XXXX XXXX. My degree is in XXXX-I am trained to observe, compare and to catch indescrepencies. When someone, I do not know who yet, took the liberty of telling Citibank that I ordered a cease and desist they lied. That lie sets me up for a world of paperwork and possible a paper trail indicating I habitually request cease and desist orders. I find this practice despicable.
Following is a copy of the transcript of my telephone notes : XXXX XXXX, XXXX TELEPHONE CALL NOTES XXXX Citibank - XXXX XXXX Re : XXXX XXXX XXXX , XXXX vs. XXXX XXXX XXXX XXXX , XXXX Per XXXX, the notes in his records indicate I requested a cease and desist therefore until I remove the cease and desist Citibank can no longer contact me regarding the money I owe. I tried explaining to XXXX that I did not ever request a cease and desist. He said it is in the notes he was reading that it was implied that I wanted a cease and desist.
He terminated the phone call without allowing a resolution.
I offered to forward a copy to him at Citibank, of my letter to XXXX XXXX XXXX, which he ignored in his insistence that nothing can be done until I file the cease and desist.
After XXXX hung up on me I called back.
XXXX answered! He states he is the only employee at that location in recovery. That he is there to help Student Loan holders that have lost tract of who they are supposed to be sending their payments to. Since that is not my case I again asked him what it is that I am expected to do to move forward in this situation.
XXXX stated that until I write a letter removing the cease and desist nothing is able to go forward.
I replied that I am not going to write a letter removing a cease and desist that I never requested to begin with. I asked who advised Citibank that I asked for a cease and desist. He replied that it was XXXX XXXX XXXX. I have requested a copy of that document.
In turn, XXXX has requested a copy of the document I sent to XXXX XXXX XXXX. I will mail that to him today to the following address, which was provided to me by XXXX : Citibank Student Loan Attention : Recovery XXXX XXXXXXXX XXXX XXXX, S.D. XXXX XXXX XXXX XXXX
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| 12/08/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XXXX XXXX XXXX XXXX XXXX I tried using my Citibank Debit Card in XXXX, New Jersey and also in XXXX, New York to make a purchase and both times my card was declined. Thinking that it may have been a problem with the machines and with my intent to contact Citibank, I used another card for my purchase. .On XX/XX/XXXX at XXXX a text was sent to me from Citibank ( Verification unit ) informing me that my debit Card was locked due to suspicious transactions. I was asked to verify my identity XXXX XXXX XXXX to unlock my card. On XX/XX/XXXX I received a call from Citibank at XXXX from XXXX it was a bad connection on the line so they called again from XXXX verifying whether I did a transaction for XXXXafter saying No, I immediately enquired of the customer service person whether that was the reason my card was locked and also I did not make any transactions or withdrawals so wanted to know what was going on with my account. We were on the phone for 16 minutes, after which the Customer Service Agent informed me that there was fraudulent activity on my card and transferred me to the Fraud Department.
The XXXX Department Agent then asked me did I make a wire transfer of {$44.00} and I immediately told him NO the fraud agent then said to me, that I'm a victim of fraud and that my account is locked and instructed me to go to Citibank and to start a new account, As I work out of state it was not possible for me to go and open the account until XX/XX/XXXX at the XXXX branch I spoke with Personal Banker XXXX XXXX XXXX ID : XXXX, she asked me for my credentials, ID, SS, and debit card, and proceeded to look up my account and confirmed to me it was locked due to fraudulent activity, as the agent proceeded to look into my account she, however notified me that my funds were still there in my saving ( {$45000.00} ) and my checking ( {$3500.00} ) and then proceeded with the opening of the new account The agent then gave me a new account folder with a temporary debit card.
When I left Citibank I was under the impression that everything was handled, as far as the fraud situation. On Sunday XX/XX/XXXX, and I'm shopping at keyfood, and try to use my temporary citibank debit card and the screen say insufficient funds. I returned to Citibank on Monday, XX/XX/ to notify the banker XXXX XXXX XXXX, and she was not there so I spoke with her colleague XXXX XXXX XXXX and asked him did he remember me from Saturday and he said yes so I proceeded to explain my situation with my new citibank temporary card that wasn't working, he then takes a look at my account and said she ( XXXX XXXX ) didnt do the transfer to my new account correctly and proceeded to complete the transfer to my new account. After completing the transfer to my new account, the Personal Banker XXXX XXXX XXXX gave me a receipt with {$530.00} in my saving account I then informed him, that the amount was incorrect. XXXX XXXX XXXX ) then say to me oh so they did get the money, I said how when I was told my account was locked since XXXX XXXX XXXX XXXX XXXX then informed me that an investigation is being done and it will take three to four weeks to complete.
After three weeks I went to the XXXX branch to get the status as I did not see my account reimbursed, I spoke to XXXX XXXX XXXX who made a phone call to someone in the fraud department, and the person then told me to go to XXXX to change my phone chip, because my phone may be compromised, and the fraud person on the phone also said to delete my citibank app off my phone and stated thats how they got to my account, I then waited to see what to do next, XXXX XXXX then gave me his card and stated there will be an investigation and I would be contacted, by phone or email, I then left citibank and went to XXXX to change my phone chip like I was instructed to do. When I contacted Citibanks Fraud Department again they told me my claim had been denied, I asked how and on what grounds and they told me Negligence. I am at a lost as to what I neglected to do to lose {$44000.00} hard earned money.
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| 12/28/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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I have had a payee set up with online banking for more than XXXX years with Citibank. The merchants name was established as XXXX. As of XX/XX/XXXX I received notice from this merchant that their payment information had changed. On XX/XX/XXXX I attempted to update this merchants address and name on Citibank online bill pay to reflect the changes. The online bill pay system did not allow me to successfully update this entry, so I decided to delete it and create a new entry. The entry I created read as such, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, IL XXXX. I was also instructed by the website that this merchant could only be paid via check method. On XX/XX/XXXX as I was reviewing Citibank online, I noticed that this same merchant had been changed by Citi to the merchants name of XXXX XXXX XXXX without my authorization. The method of payment for this merchant switched from check to the electronic method. I received confirmation from Citi that a payment established on XX/XX/XXXX with reference number XXXX was successfully sent to the merchant and had posted within XXXX via electronic method. Note : When I contacted the merchant about this payment, they indicated that they had received it on XX/XX/XXXX in check form, not electronic form. Also, on XX/XX/XXXX another payment to this merchant with confirmation number XXXX was sent out per the website as a check, but now it reads on online that the only method that is available is electronic. Both of these payments require an investigation to be sure they are successful.
Somewhere between the dates of XX/XX/XXXX and XX/XX/XXXX this merchant once again was changed back to the check method by Citi without my authorization. Citi also used some of the information I entered on XX/XX/XXXX for this change, but kept the merchants name as XXXX XXXX XXXX Citi also changed the mailing address to XXXX XXXX XXXX with a zip code of XXXX which was incorrect according to the merchants instructions. I contacted Citi XXXX XXXX on XX/XX/XXXX about this matter. At first, I was speaking to a rep that I had trouble comprehending due to his accent. He also was having trouble understanding me based on how he was responding to my questions. I did not get his name before he hung the phone up in frustration. I called Citi back on this same day and spoke to a person named ( XXXX XXXX. XXXX indicated that he was a customer service supervisor. XXXX and I discussed my payee/merchant problem as well as the previous phone rep hanging up on me. XXXX indicated that he would address the previous phone reps behavior and was able to successfully update the merchants name back to XXXX XXXX XXXX XXXX XXXX ( see attached ). XXXX explained to me that this merchant was not eligible for electronic bill pay, and that a paper check would be sent out. I was okay with that! We also confirmed the address and memo information relating to this merchant. I did confirm the update occurred via Citibank online later in the day on XX/XX/XXXX.
On XX/XX/XXXX I was reviewing my online account and noticed that now this merchants name was changed again by Citibank to the following, XXXX XXXX and the payment method was now electronic ( see attached ). I called Citibank and spoke to another customer service supervisor named XXXX. She indicated that she did not see any notes from XXXX in the system, and that she can only see that I called on XX/XX/XXXX. XXXX also stated that she would escalate the issue and she gave me a confirmation number of XXXX. XXXX indicated that she could not give me a timeframe in which I would hear the outcome of the escalation. She also indicated that she would address the fact that XXXX did not place notes in my account. During our conversation I had a difficult time understanding XXXX due to her accent. She appeared to become frustrated with me because I continued to ask her to repeat herself because I wanted to be clear on what she was saying. At some point she disconnected the call unexpectedly and did not attempt to call me back to follow up.
|
| 09/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Older American |
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I learned on XX/XX/XXXX via a notice from XXXX XXXX that my credit score has been lowered by XXXX points due to a Citibank collection/charge-off on XX/XX/2018.
I called customer service and spent over 1 hour on the phone being transferred from department to department, none of which could locate any information on this matte..
I then went to my branch in XXXX XXXX, NY and met with XXXX XXXX XXXX. XXXX XXXX took my information, made a call, and was also transferred from department to department. After an hour on the phone, he was able to tell me that the issue stemmed from an interest charge of {$0.00} ( yes, that is forty-nine CENTS ) due to a checking plus overdraft in XXXX. This transaction occurred on XX/XX/XXXX, when I received a notice that my checking account was overdrawn and that {$1000.00} had been transferred to my checking plus account. I had immediately transferred {$1000.00} to cover the overdraft. What I did not know was that there was an additional interest charge of {$0.00}. ( At the time, there was over {$2000.00} in my Citibank savings account, and I ended the statement period with a balance of {$3800.00} in my checking account. ) Therefore, because I owed {$0.00}, and without ever contacting me by phone call, letter, or email about the charge, Citibank just went ahead and took an action that ruined an excellent credit rating that I have striven for 50 years to maintain.
When I was no longer able to stay at the branch, XXXX XXXX told me that he would continue to work on the account and call me later in the day.
Later that afternoon, I received a call from XXXX XXXX XXXX, the branch manager, who told me that if I went to the branch the following day we could jointly make a call that would get the matter resolved.
I went to the branch that morning, and XXXX XXXX made the call. He was also transferred from department to department. After about 45 minutes, he ended his call and told me that I needed to do two things. First, I had to send a check for {$0.00} to a XXXX. XXXX address in XXXX. And second, that I had to send a letter to a XXXX XXXX XXXX. XXXX address in XXXX XXXX and explain what had happened.
Based on my experiences as described above, I was not confident that this was going to be resolved by sending a check for {$0.00} to a XXXX XXXX address in XXXX and a letter to a XXXX. XXXX address in XXXX XXXX. Therefore, when I got home, I sent an email to XXXX XXXX, who is the head of XXXX XXXX XXXX.
In response, on the XXXX I received a call from XXXX in the Citibank Executive Correspondence Unit. I explained the situation, and she agreed that I should hold off sending the check and the letter as directed by XXXX XXXX. She said that she would research the matter and get back to me.
On the XXXX, XXXX called and told me that she could not find any information that showed Citibank had reported my account to the credit bureaus. I told her that I had given a copy of the reporting to the branch. She asked me to send her a copy, which I emailed to her that day. She also told me that there should not have been any interest accrual, since I repaid the checking plus overdraft the same day that it was made. She then said that she was continuing to investigate and would get back to me. As of today I have not heard from her.
On the XXXX I received a letter from another Citibank office in XXXX XXXX, asking that I send them a copy of the credit report reflecting the disputed item and a detailed description and nature of your dispute. Both of these have been submitted twice, during my personal visit to the branch, and in my correspondence with XXXX XXXX and with XXXX.
I have already spent a significant amount of time and effort trying to clear up this matter, and it is only getting murkier. Therefore, I am asking for your assistance on my behalf.
I have always maintained an Excellent credit rating, and this downgrade and negative activity on my credit report will cause me substantial financial harm if it is not corrected quickly.
Thank you
|
| 09/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My complaint involves the purchase of a ticket for {$980.00} from XXXX XXXX on XXXX XXXX, XXXX using my Citibank Mastercard. As set out below, I have made a good faith attempt to resolve the matter both with XXXX and later with Citibank before filing this complaint. Specifically as to Citibank, it has not done a valid investigation of my dispute, now closed in favor of XXXX, and has reversed my {$980.00} credit. Based on the information provided below, Citibank should permanently credit my account in the amount of {$980.00}.
The itinerary of the flight ticket purchased was XXXX XXXX to XXXX XXXX and back. XXXX ( not me ) cancelled my flight on XXXX. XXXX after XXXX XXXX on XXXX. XXXX banned the entry of all foreign nationals for 21 days due to the Covid-19 outbreak. On XXXX. XXXX, the very day of the scheduled flight, I submitted an online refund request to XXXX and received written confirmation. But XXXX hadnt sent me the refund by the time payment for the ticket purchase was due on XX/XX/XXXX so I filed for a dispute with Citibank. Citibank opened the dispute and credited the {$980.00} to my account while the dispute was pending.
XXXX has from the moment I submitted my refund request sent me offers of a travel voucher. They acknowledge my refund request but have completely ignored it. I dont want a voucher ; I demand a full refund. On XX/XX/XXXX, I sent a letter to XXXX again requesting the refund and referencing the U.S. Dept. of Transportation ( DOT ) requirement that airline carriers provide a prompt refund to passengers when the carrier cancels the flight and the passenger chooses not to accept alternatives to the refund, such as a travel voucher. XXXX never replied to my letter.
With XXXX failure to respond my refund request, I have as an alternative sought a credit of {$980.00} from Citibank. I have sent 3 letters ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to Citibank demanding this credit and have had several phone conversations with Citibank employees, who misleadingly implied that my refund or credit was imminent. Both my XX/XX/XXXX and XX/XX/XXXX letters to Citibank cited 15 U.S.C. Section 1666i, which imposes vicarious liability on a credit card issuer if a cardholder like myself has made a good faith attempt to obtain a satisfactory resolution of a transaction, the amount exceeds {$50.00} and it took place in the same state as the cardholders mailing address. All of these conditions apply here : I sent both an initial and follow up request for the full cash refund to XXXX citing the applicability of the DOT requirements, that XXXX cancelled the flight and that I requested a full cash refund ; the purchase exceeded {$50.00} ; and the ticket was purchased from my home in XXXX, CA.
Citibank did not conduct a valid investigation. In its investigation it incorrectly relied on Article 12.3 in XXXX terms and conditions : The Carrier shall have no liability if the flight cancellation, diversion or delay was due to Unforeseen Circumstances. In its XX/XX/XXXX letter to me Citibank says you did not provide a valid proof that you cancel in accordance with the merchant terms and conditions But the DOT requirement above clearly overrides XXXX terms and conditions.
Although I was explicit in my XX/XX/XXXX and XX/XX/XXXX letters that after my good faith but unsuccessful attempt for the refund due me from XXXX, Citibank is liable for the {$980.00} purchase under 15 U.S.C. Section 1666i, Citibank never addressed this. In its XX/XX/XXXX letter, Citibank says that the merchant is not willing to issue credit to your account and it has no additional recourse. XXXX XXXX XXXX letter says that once the charge is approved, the merchants terms and conditions are imposed and must be followed. As mentioned, Article 12.3 violates the DOT requirements. Had Citibank conducted a proper investigation, it would have recognized this and imposed a chargeback of {$980.00} on XXXX.
Please require that Citibank permanently credit my account in the amount of {$980.00}. Thank you.
|
| 12/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
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On XX/XX/XXXX, I applied for, and was approved for, a Citi Custom Cash Rewards credit card which included two signup promotions and a {$3000.00} credit limit. The first promotion was to receiving XXXX Citi Rewards ThankYou Points for spending {$1500.00} on qualified purchases in the first 6 months ( by XX/XX/XXXX ). The promotional timeline for this spend bonus was effective immediately, even though the card was not shipped out until XX/XX/XXXX, did not arrive until XX/XX/XXXX, and was not activated until XX/XX/XXXX. The second promotion was an introductory period of 15 months 0.00 % APR on qualified purchases and balance transfers which was not activated until XX/XX/XXXX when I made an initial balance transfer of {$1900.00}. Since the balance transfer did not qualify for the first promotion, this meant that as of XX/XX/XXXX, I had {$1000.00} of available credit to spend towards the {$1500.00} total spend required to receive the bonus. As of XX/XX/XXXX, I still had {$230.00} worth of qualified purchases to make with my Citi Custom Cash Rewards card to receive the promotional XXXX bonus Citi Rewards ThankYou Points, which I had planned to spend on XXXX shopping. At that time, I had {$86.00} of available credit, meaning that I would have to make a payment of at least {$140.00} to have enough available credit to be able to meet the spend bonus. I made a payment of {$150.00} towards the card on the following Friday, XX/XX/XXXX, when I got paid, so that I could use the remaining balance to buy XXXX presents and qualify for the promotional bonus. Prior to this, I had made XXXX different payments to card, totaling {$630.00}, and in each case, my available credit balance was immediately adjusted to reflect the payment made. I made one payment XX/XX/XXXX, one payment on XX/XX/XXXX, two payments on XX/XX/XXXX, one payment on XX/XX/XXXX, one payment on XX/XX/XXXX, and one payment on XX/XX/XXXX. In every case, the payment was immediately applied to my available credit. The payment of {$150.00} made on XX/XX/XXXX was not immediately applied to my available credit. As of today, XX/XX/XXXX, it has still not been applied to my available credit. The {$150.00} payment appears on my Citi recent transactions as posted on XX/XX/XXXX. My bank statement confirms that the {$150.00} was withdrawn and the payment was posted on XX/XX/XXXX. I called Citi on XX/XX/XXXX to find out why my available credit has not been adjust to reflect my recent payment and they said that it could take up to 7 business days for my available credit to reflect any payments made to my account. This is a very convenient loophole for them to have up to an 11-day, interest-free loan any payment made by a customer on a Friday, while ensuring a mechanism to prevent customers from fulfilling spending requirements to qualify for promotional spend bonuses. How come it is that in every other circumstance that I applied a payment, I was permitted to immediately spend the an amount equivalent to that payment and add that to my outstanding balance, except in the case where it may require Citi to have to honor their promotional signup bonus and reward me XXXX Citi Rewards XXXX Points, equivalent to {$200.00}? I was coerced by Citi to spend {$1500.00} on purchases using their card with the false promise of a {$200.00} reward, effectively making {$1500.00} worth of goods and services cost me only {$1300.00}. I spent {$1300.00} before they pulled the rug out from underneath me, ensuring that they come out on top and net {$45.00}, while not having to give away {$200.00} worth of bonuses, and potentially having a larger balance with which to charge a high interest rate to starting XX/XX/XXXX. This is clear and deceptive, predatory lending behavior disguised as customer rewards and hiding behind fine print and vague terms that always favor the house. I want my XXXX Citi Rewards ThankYou Points, but mostly, I would like the CFPB to look into Citi 's deceptive rewards program to ensure this doesn't happen to others in the future.
|
| 07/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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|
Web |
Older American |
|
In XX/XX/XXXX, I accepted a HELOC loan from by bank, XXXX XXXX XXXX in order to consolidate my debt. XXXX required that my credit cards be paid off by them. My intent was to cancel all but 1 or 2 credit cards including this Citibank card. I planned to keep open a couple of cards to use in case of emergency. In mid-XX/XX/XXXX, I noticed that a Citibank card was not paid off. I contacted Citibank. I was told that no payment was made toward the card balance of {$19000.00} and to call XXXX. I contacted the XXXX loan officer who said that the credit card number on the check was incorrect but that it had my name on it and Citibank should have been able to credit my card in any event. In another conversation XXXX gave me the wire transfer trace and check numbers and told me that Citibank had processed the check on XX/XX/XXXX. I then called Citibank with the information and was told there was no record of the wire transfer even with the numbers. In late XXXX/early XXXX, I officially asked that both XXXX and Citibank open an investigation. On one call, Citibank told me they wanted paper proof of the wire transfer. I contacted XXXX with this request.
After many emails to the XXXX loan officer 's supervisor and his supervisor, a representative from XXXX was assigned to my case. However, there is no way for me to contact this individual directly and I asked for that information. Instead I call a number and tell the individual who answers the new information. That person then emails the information to my contact. I received two calls from my contact, the first to introduce himself and tell me he would be assisting me and the second to tell me that I needed to obtain an address from Citibank so that XXXX could send them the requested proof. That was last Friday, XX/XX/XXXX. I did as he requested. No word yet on whether or not that information I provided was used and the proof was mailed.
Citibank is worse. Even though an investigation was opened in XXXX, I have not received any information or messages from them. It is XX/XX/XXXX today. My last call to Citibank was very unpleasant. I spoke to a supervisor who gave me the address to send the proof and a FAX number. He recommended that I send both the proof via USPS mail and FAX just in case one was lost! Are you kidding me? I dutifully told XXXX that information too. I asked for the phone number of the investigation department or a name of an investigator but was told there is no phone number and no specific investigator by the same supervisor. I asked the supervisor about the interest accruing on my card. He said he would give me {$20.00} credit to my cash rewards. The irony is that in order to use the cash reward, the value must be {$25.00}. I not so kindly declined his offer.
I am making monthly payments plus interest not only on the HELOC loan but also on the Citibank Card. I have been making minimum payments to the Citibank card since XX/XX/XXXX so that my credit is not damaged by a missed payment and so that I don't incur penalties. I don't know what else to do to get a resolution. I would think that approximately 6 weeks to conduct an investigation would have been enough time to resolve this. I wonder if that {$19000.00} has been stolen by someone at Citibank or XXXX. How can they continue to charge me interest when the account is under investigation? How do I get the banks to work together and find the 'lost ' money!
In order to calculate the payments I made in XXXX and XXXX, I went to my Citibank account. I see that on XX/XX/XXXX a conditional credit for payment has been added with a total of {$18000.00}. This amount reflects my XXXX and XXXX payments and interest charged. There still has been no communication from Citibank! At least I don't have to make a minimum payment to the card in XXXX!
I know that the conditional payment is a small step in the right direction but I am still submitting this complaint. It has taken too long and too much of my time to get anywhere with this issue. I hope you can help.
|
| 12/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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On XX/XX/2020 I placed an order on BestBuy.com for a washer & dryer ( + delivery, installation and taxes ) for the total amount of {$4000.00}.
I purchased this with a BestBuy Visa credit card I had opened solely for this purchase ; as they were offering 0 % interest for 24 months. This card had NO OTHER CHARGES on it before this initial purchase.
Upon the day of delivery, I was not at home and my wife accepted it. The delivery people refused to carry the items down the stairs to the basement, and refused to perform the installation. When I arrived home later that day I called BestBuy and told them to send someone to perform the services I had already paid for that day ; or to come and pick up their merchandise. They elected to come and pick up the merchandise. I confirmed with the rep that there would be NO CHARGE for pickup of the merchandise, and absolutely no return or restocking fee.
On XX/XX/2020 they arrived at the wrong address to retrieve the product ; called me and blamed me for providing the incorrect address, and this was the day I noticed an INCORRECT refund of {$2600.00} show up on my account BestBuy account.
On XX/XX/XXXX, they finally got their act together enough to show up at the correct address and pick up their unused merchandise that had been crowding up my living room for weeks. It was on this day that 3 other erroneous orders were placed to my BestBuy account but not to the credit card. Several for the incorrect amount of {$2600.00}, one for {$0.00}, most of them stating the order were created in-store. I have never stepped foot in this BestBuy.
As it stands I paid {$4000.00}, was refunded {$2600.00} leaving a balance of {$1300.00} on my credit card for merchandise I never used, do not possess, and have no intention of paying for.
I contacted BestBuy support multiple times over the course of XXXX to have the refund issue rectified to no avail. Every person I spoke to said they saw no issue with the charges until I explained my original charge was {$4000.00} to which they all replied " That's not what our records show. '' On XX/XX/2020 I eventually spoke to someone claiming to be a BestBuy XXXX supervisor named XXXX ( no last name given ). She opened a " support ticket '' and was the only person I ever spoke to from BestBuy who acknowledged the fact that the actual ORIGINAL charge to my credit card was {$4000.00}. She provided me with a case # XXXX for this issue and assured me she would process the rest of the refund I was owed ( {$1300.00} ) ASAP, but it could take 3 to 5 business days.
The refund never arrived. I was never able to contact anyone at BestBuy who could give me an update to the case number she provided.
Since then, I have had nearly daily phone calls from CitiBank ( the BestBuy card issuer ) telling me that my account is overdue and needs to be paid. After explaining my issue with them, they stated I should just open a dispute for the remaining balance ; which I did on XX/XX/2020.
I have continued to receive near daily phone calls about my " overdue balance '' even though I was assured I would not be responsible for any finance charges or late fees associated with any disputed amount.
I have tried escalating the issue through BestBuy to no success.
I have tried escalating it through CitiBank to no success.
Since nobody seems to be able to perform the simple math to ascertain that I was refunded the incorrect amount from my initial purchase ; I have little recourse but to submit a complaint with the CFPB.
All I can say is don't do business with BestBuy if you have an alternative ; and XXXX help you if THEY make a mistake because they'll just refuse to fix it for months all while blaming you.
As an aside, on XX/XX/XXXX I did place another order with BestBuy on the CitiBank issued BestBuy Visa card in the amount of {$2900.00}. This merchandise was delivered installed and I have had no issues. The amount of {$2900.00} is the ONLY balance on the card that I am actually responsible for.
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| 03/09/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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On or around XX/XX/2022, I received an email from a third-party credit score company telling me that my Home Depot credit card account was closed. I called the provider of the credit card, Citi Bank to inquire about the closed account. My first point of contact, a junior customer service representative told me that the account was closed due to inactivity. I told her there had to have been a mistake because Ive had this account opened for more than 14 years and it was in good standing : no late payments and prompt payment of any balance whenever there was one. She transferred me to a supervisor.
The supervisor confirmed what the original customer service representative said that basically my account was closed for inactivity. I explained that I had never received notice by mail warning me that my account would be closed due to inactivity. The supervisor told me that by law Citi Bank is not required to give prior notice before closing an account. I then explained that this was unfair, considering I was a customer of theirs for at least 14 years ( 14 years and 6 months ). She told me she understood my plight and that she would forward my concern to someone within the department.
I further explained to the Citi Bank supervisor that because of Covid-19, it was unfair to close an account without prior notice, especially when so many of us are trying to make sure we can pay our bills without overextending ourselves needlessly with credit purchases. She once again told me she understood and that she would forward my concerns to someone else.
I find my account closure unfair for a few reasons. First, Citibank might not be required by law to inform me beforehand about closing my account, but as a loyal customer of many years they could have given me the courtesy. Not doing so speaks to how little Citi cares about me as a customer. Citi was very content and happy when Ive made purchases in the past, but when I was extra prudent and disciplined with my finances during the pandemic, Citi decided to punish me by closing my account.
This brings me to my second point ; the closure of the account has negatively impacted my credit history. The closure of this account decreased the average age of my accounts by at least 9 months. Again, this was not by my choosing but a deliberate act on Citis part. The choice they made has affected my credit history.
And finally, when I asked the supervisor if she could reopen the account because the account hadnt been closed for too long, she told me that was not possible and that I would have to reapply. I dont think this is correct. Credit card companies close accounts when credit cards are stolen, and the history of the old account transfers over. The supervisor could have reopened my account but was unwilling to do so. This means that if I applied and reopened an account with Citi, my credit score would be lowered by the hard inquiry. Also, the new accounts limited age wouldve brought down the overall age of all my available credit lines. Obviously, I did not reapply for the store card from Citi as the supervisor suggested. Wouldnt reopening my old account be the same as applying for a new one for Citi? From Citis perspective they would keep me as a customer, but as Ive already illustrated, this was not something they were interested in because their only loyalty to customers seems to lie when purchases are made regardless of need. Their loyalty to me began and ended when the profits did.
As an aside the closure didnt bring my credit score down because I have other older accounts in good standing. Im mindful though, that someone with less credit history than me could see their account significantly affected by actions similar to what Citi did to me. Therefore, closing an account without prior notice can negatively affect people with less-than-perfect credit, a position many folks are in. Closing an account without prior notice decreases the overall average age of the accounts and lowers the credit score for the consumer.
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| 12/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Older American |
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I ordered a part needed to repair my living room heater : The seller sent It Priority Mail by the USPS with 3 day delivery. According to the USPS it arrived on a certain day and was left in my mailbox : I live on a rural street and my house is set back from the street so you do not see it. I never got it the item but there was a fair amount of mail in my box that day!! After much back and forth the USPS said it was not their problem and on top of that they were not going to pay the insurance I had because it was delivered. They claim it must have been stolen from my mail box which makes no sense! Anyway, I ordered a 2nd gas valve and paid this time for overnight shipping with XXXX to make sure it arrived the next day as I had an appointment the next day to install it which had taken me two weeks to get : I needed my heater to work so I really had no choice.
I then filed an insurance claim ( in addition to the original missing item claim ). The Post Office denied my claim saying they would not cover the insurance BECAUSE the package had been delivered!!.
I filed a claim with Citibank XXXX XXXX as my card has a feature to cover damage or theft. I explained the story and pointed out they could see the original item in my XXXX statement and they would see the same item again that I had to reorder in the XXXX statement for an extra {$40.00} to cover the overnight service from UPS.
Citibank replied that they would not honor the claim because as they put it : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Toll-Free XXXX Fax Case Number : XXXX - Citi card ending : XXXX Dear XXXX XXXX : Thank you for your recent claim request. Regretfully, your claim is not eligible for payment for the following reason ( s ) : The Item was under the care and control of a third party.
Your claim is denied because per the Terms and Conditions, coverage doesnt apply if the item was under the care and control of a third-party including, but not limited to, the U.S. Postal Service, airlines, or delivery services.
If you have any questions, please call the Citi card benefit service center toll-free at XXXX ( Speech/hearing impaired : XXXX or other XXXX XXXX ). Our representatives are available Monday Sunday, XXXX AM XXXX XXXX XXXX.
In making this denial, XXXX XXXXXXXX XXXX expressly reserves all of its rights and defenses under the policy and does not in any way waive any right or defense which the company may have. If you have additional information regarding this claim that you would like us to consider, please forward it to us for review.
Sincerely, Citi Card Benefits Administration So as you can see the Post Office is saying they won't honor my claim because they claim it was delivered and Citibank won't honor the claim because they said it was still in possession of the Post Office. I understand that mail boxes are controlled by the Post Office so I really don't know legally who is right! I have tried now several times to ask the Post Office to send me a copy of the law or regulation that confirms that once the claim to have delivered something that it is legally no longer in their possession not withstanding it was left in a US Postal mail box but they refuse saying this is not their problem.
My thought was that with such a confirmation then Citibank would legally have to acknowledge that the item was in my possession?
Bottom line for me is I do not understand how the Post Office can simply claim they delivered something and if the customer does not get it it is not their problem nor do I understand how my theft insurance with Citibank XXXX is not valid because the item was presumably stolen from my mail box? I did file a police report the day all this happened at the suggestion of the Post Office and I sent that report to Citibank with my claim.
So if there is anything your office can do with Citibank I would appreciate it : the case number is XXXX XXXX : XXXX. I assume you have authority over the USPS!
Thank you very much XXXX XXXX
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| 02/22/2019 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Can't close your account
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Web |
Older American |
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On XX/XX/XXXX, I opened Citi Priority SAVINGS and CHECKING accounts over the phone. I provided the routing/transit and account numbers from my XXXX checking account for the initial deposit. The rep who opened my account refused to provide the new account numbers, " for security reasons. '' On approximately XX/XX/XXXX, I phoned the bank to close the accounts ; I had changed my mind about opening them because it was taking too long for them to process the initial deposit. Since I had no account numbers or documentation, I did not keep my notes with names and dates, because I thought the accounts were closed.
On XX/XX/XXXX, I received a letter from Citi Bank, dated XX/XX/XXXX, stating they needed my tax ID information for an account. I phoned and spoke to XXXX. He said my account had not been closed. He would initiate a closure request, which would take 1 - 2 days. I would received a confirmation letter in 5 - 7 business days.
About a week later, I received a statement from Citi Bank showing closing balances of {$0.00} for both the checking account and the savings account. I thought this was confirmation of the closed accounts, and neglected to read the fine print.
On XX/XX/XXXX, I received a letter from Citi Bank dated XX/XX/XXXX, advising me of " your recent deposit of {$12000.00}. '' I never made a deposit! I had closed the accounts! I checked my XXXX account, and Citi Bank, almost 6 weeks after I had requested closure of the accounts, had written a check to withdraw money out of my XXXX checking account. I BELIEVE THIS IS FRAUD AND ATTEMPTED THEFT. Luckily, the {$12000.00} was no longer in the XXXX account, so they did not pay the check, however, they assessed an NSF fee, and sent me a letter advising of this on XX/XX/XXXX.
I immediately phoned Citi Bank. Initially I spoke to XXXX, who couldn't help with the problem. She transferred me to XXXX, an account specialist in Loss Prevention. I could not understand him, partly because he was talking too quietly and partly because he was talking too quickly. When I was finally able to interrupt him by stating, " Stop! '' he hung up on me.
I called back, and was connected to XXXX in Fraud Prevention. He advised that there was a block on my account due to Citi not being able to get my money out of XXXX XXXX. He couldn't do anything about closing the account, and I was transferred to XXXX in Fraud Prevention. She told me my account was approved for closure, and to call back in 48 hours for confirmation that it had been closed. ( Either XXXX or XXXX told me they might be charging me a {$12.00} NSF fee. ) On XXXX XXXX, after 49 hours, I phoned for confirmation that my account was closed. I spoke to XXXX who said the account was not closed, due to a block being placed on it. However, the closure was " in process, '' and would take 24 - 48 hours. I advised that I had requested, for the third time, that my account be closed more than 48 hours earlier. She could only repeat that it would take 24 - 48 hours.
I asked to be transferred to a supervisor. I was connected to XXXX ( or XXXX ), who said she was a supervisor in Client Services. She told me that the checking account was not closed ; it had been reopened! She also said that the savings account closure was in process, and would take 24 - 48 hours. When I told her it had been 49 hours, she couldn't do anything because the Fraud Prevention unit was closed, and I would have to call the next day.
This morning, XX/XX/XXXX, I phoned the Fraud Prevention unit, and spoke with XXXX. He said XXXX had sent a referral to close the account, it had been approved for closure, and it was in process. However, it takes 30 - 60 days to close the account. I can go to a branch to close it earlier.
I do not understand why Citi Bank refuses to close my accounts, why they reopened an account that had been closed, and why they were trying to write a check off funds from XXXX XXXX so many weeks after I first closed the accounts. Why are the accounts not closed immediately?
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| 09/22/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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XX/XX/XXXX I opened a Citibank High Yield Savings Account online.
XX/XX/XXXX I linked my local bank checking account with the Citibank savings account to transfer money to the new Citibank savings account.
XX/XX/XXXX Citibank sent me an email telling me the account link was verified, and I could transfer money.
XX/XX/XXXX I logged into the Citibank savings account and transferred {$100000.00} from my local bank ( not Citibank ) to the Citibank savings account. I received an email from Citibank on XX/XX/XXXX that they received my request to transfer the {$100000.00} to my Citibank savings account.
XX/XX/XXXX The {$100000.00} was taken out of my local checking account at my local bank by Citibank on XX/XX/XXXX.
XX/XX/XXXX Citibank sent me an email that my money transfer had been suspended and that I needed to contact them to resolve the matter. The email said the money would be back in my local bank account in 3-4 business days. When I called Citibank, the person verified all of my personal info, but because I could not give her a debit card number, she said I needed to call back once I could give her my debit card number. I explained to her that there is {$100000.00} missing, not being deposited in my Citi account which has already been taken out of my local checking account, and I need to know what is going on. I told her this is a new saving account, that I do not have a debit card. She kept repeating that without a debit card number to give her, she could not help me. I asked her what I am supposed to do to get the {$100000.00} back, she said to call back once I have a debit card ( which Citi had not even mailed out to me yet ). She kept saying I needed to call back once I have a debit card. I asked for a supervisor, she said she is the supervisor. I hung up and called back hoping to get someone more helpful. When I called back, I went through the story again, the lady was able to verify the {$100000.00} was rejected because it was determined it was fraud, and it would be returned to my local bank account on XX/XX/XXXX.
XX/XX/XXXX Deposit was not returned.
XX/XX/XXXX I called Citibank again, was eventually routed to the fraud department, where I was told the deposit return was attempted on XX/XX/XXXX but did not go through. Then I was told that another attempt was going to be made on XX/XX/XXXX. So, I called my local bank and asked them to check to see if there was a pending deposit from Citibank for {$100000.00}. There was nothing pending. I again called Citibank back, then I was routed to the IT department, because the fraud department said the IT department had to help because this was a transfer initiated online. The IT department said the return deposit was not going back into my local bank account because a debit return request had to be made by my bank in order for me to get my money back. So, I went to my bank and worked with a banker to get this done. My local banker said if a bank to bank transfer was rejected, it should automatically come back into my account, there are not any requests that need to be made. So with my local banker, I again got on the phone with Citibank fraud department, who now said that no requests have to be made to get the money put back into my account, that Citibank will have the money back in my local bank account in 3 to 4 business days. The Citibank rep said by XX/XX/XXXX if the money is not back in my local bank account, then I should call them back. This is absolutely ridiculous. If Citibank was concerned that my transfer of {$100000.00} was fraud, they should have called me. Or they should have called my bank ( they said they did, but there is no evidence of this ). And once they decided they were going to reject the {$100000.00} transfer, it should have gone back into my local bank account where it came from. I should not have to spend this much time and effort and have to stress about where my missing {$100000.00} is. If I practiced medicine like they have treated me, I would be sued for malpractice.
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| 05/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Older American, Servicemember |
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XX/XX/2017 Revised and amended complaint since I DID try to work this out with both companies. Online chat with Sears and on the phone with credit card service. YOUR COMPLAINT XXXX XXXX 2017 I tried to make a purchase at sears.com When checking out they offer a 30 % credit on your first purchase up to a maximum of {$35.00} if you apply for their Sears Master Card C iti Bank Charge Card. After applying online a page pops up that says they need more information and to call a toll free number. I called and was approved but was told that since I had to call the promotion would not apply. I had my wife apply for the same S ears Master Card promotion offer and she was told to call and the promotion would not appl y to her either. We both have XXXX plus credit scores so their should not have been any reason to call to get approved. I believe they are doing this to every applicant. It seems Sears a nd Master Card are just using this promotion to get new cardholders without having to honor their advertised promotion. It would also appear Sears and Possib ly Master Card are both utilizing false advertising or a bait and switch tactic to scam unsuspecting customers. Here 's their offer and terms. Sears Card Offers 30 % off ( up to a total statement credit of {$35.00} ) when approved for a Se ars Mastercard a nd make a purchase today. Apply at Checkout. **30 % Off Offer : With credit approval, 30 % off with qualified purchase up to total statement credit of {$35.00} when you make your first qualifying purchase today with your ne w Sears Mastercard . First purchase must be made same day as account opening in order to receive statement credit. To make a purchase today at a Sears or XXXX store, bring a photo ID and have an associate complete an account number look-up. Limit one new account offer per account. Offer at participating locations only and may vary. The new account offer o f 30 % off will not apply if your first purchase or subsequent first day purchase is subject to different special financing ( deferred interest ) offer. Offers are subject to change without notice. Restrictions apply. 1 Subject to credit approval for qualifying purchases made on a qualifying Sears card at participating locations. Purchase requirements and exclusions apply. May not be combined with other offers. See store signs or associate for details, or visit sears.com/credit. Excludes Sears Commercial One Accounts and Sears Home Improvement Account valid on installed sales only. Offers are subject to changes without notice. +Sears Mastercard New Account : As of X/XX/2017 , the APR for purchases and balance transfers is 25.99 %, and the APR for cash advances is 27.90 %. These APRs will vary with the market based on the Prime Rate. The Minimum Interest Charge is {$2 .00}. The cash advance fee is 5 % of each transaction ; minimum {$5.00}. The balance transfer fee is 5 % of each transaction, minimum {$10.00}. The transaction fee for foreign purchases is 3 % of each purch ase transaction in U.S. dollars. See card agreement for details. Subject to credit approval. Limitations, terms and conditions apply. You will be given further information when you apply. The Shop Your Way program is offered by Sears Holdings Management Corporation. Citibank is not responsible for products or services offered by other companies. As of X/XX/2017 , the APR for purchases ( and for the Sears Mastercard, the APR for balance transfers ) is 25.99 % and th e APR for cash advance s is 27.90 %. Thes e APRs will vary with the market based on the Prime Rate. The Minimum Interest Charge is {$2.00}. The cash advance fee is 5 % of each transaction ; minimum {$5.00}. For the Sear s Mastercard, the bala nce transfer fee is 5 % of each transaction, minimum {$10.00}, and the transaction fee for foreign purchases is 3 % of each purchase transaction in U.S. dollars. See card agreement for details Sears cards are issued by Citibank, N.A
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| 09/08/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Application denied
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Web |
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I applied online for a Home Depot credit card just to be able to get the deals they were offering for major purchases. I have a rental property with several units. I also have a fulltime job. The rental property is extra income.
I applied for a Home Depot credit card around XXXX XXXX XXXX I say around because I was only able to complete 3 of 4 steps online and never received an email confirmation stating what the problem was with step # 4. My credit report was viewed because I received word from XXXX stating such. I had to proceed with phone calls to attempt to find out what was going on.
At that time I was not able to send or receive texts on the XXXX cell phone number ( talk only ), but I was in to process of getting another phone that would allow me to text. I called Home Depot 's telephone number to find out why I was having problems completing the application. From what I understood Home Depot 's representatives say, I needed to give a text number they could contact me with while I was on my landline phone ( XXXX ) with them. I was unable to complete because they were unable to text me while on the telephone to them.
That Home Depot rep placed me on hold and checked with another person for another way for me to proceed in the application process. I was instructed by that rep to call another Home Depot phone number and have have them speak with me at the same time on both my landline and my cell phone. I called the phone number I was given and explained what the rep I spoke with before stated needed to be done and immediately she stated " declined ''! I asked " Why? ". She refused to give me the reason why I was delined, stating I would have to wait for a letter to be sent.
More than a week later I finally received the letter stating why I was " declined ''. The reason : " Could not verify my identity ''.
I called as instructed in order to have my identity verified, and stated what the rep before her asked me to have the next rep call me both on my landline and my cell phone number simultaneously so that I could be heard on both calls, but the last Home Depot rep was unwilling to follow the instructions of the rep before her. She just ended the process right there!
I gave Home Depot two telephone numbers ( perhaps more than many of their credit card customers have ) , street mailing address ( not po box ), SS #, and yet they couldn't verify my identity!
Something must have been identified concerning me because I received a phone call from XXXX that Home Depot looked at my credit report. XXXX had no problem verifying my identity!
I just got a small loan for income producing property this past spring ( XXXX ) from XXXX XXXX XXXX Bank ( with payments < $ XXXX/month ). XXXX XXXX XXXX had no problem verifying my identity.
I also have a four major credit cards ( one of them personal and a business credit card ), and these companies have had no problems with verifying my identity. I also pay off all credit card balances each month and have my vehicles paid off. I've proven I can handle credit responsibly. Loans and credit card balances can not be the issue here.
The last FICO score on my one statement was XXXX. At the time of writing this, it is still XXXX.
I have even had the same address for 20 years, own my income producing property with no mortgage ( paid off years ago ).
This last Home Depot rep I spoke with gave me no chance to " verify '' my " identity ''. She wouldn't even try what the rep before her suggested.
I encourage Home Depot management to listen to all the phone recordings of my calls to all their representatives. Doing so will will prove that everything I am writing here is correct.
Do other Home Depot credit card holders have credit rating 's and FICO score 's that measure up to mine? Do I have more ways to be contacted and to verify my identity than perhaps other Home Depot card holders. Was I declined for some other reason?
Does Home Depot 's credit card issuing practice deserve a full investigation?
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| 07/24/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Wrong amount charged or received
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Web |
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On XXXX XXXX, 2017, I visited the 027 branch of Citibank on XXXX XXXX XXXX in order to authorize a wire transfer of XXXX USD from Citibank to a USD currency account that my wife holds with XXXX XXXX in XXXX. This is a transaction type which I have completed numerous times through another branch in XXXX, and there was never a problem. Ive told the greeter that I needed to perform an international wire transfer and was directed to a specialist who was to perform that service for me. The specialist was puzzled at the fact that the destination account number in her system required XXXX characters, and the number I provided was XXXX characters long. To this I replied that it is very likely that the first two characters of the XXXX correspond to the country code, which in this case would be PL. I have offered to double-check that information and come back the next day. This led me to think that this isnt something that branch does on a regular basis, as an experienced clerk who has done this before would be familiar with the structure of the XXXX. The following day, I came back and provided the account number as well as the XXXX code for this transaction. The teller who conducted this transfer asked me if I was interested in converting the said $ XXXX into XXXX XXXX. I declined and explained that I 'm trying to transfer the money to a USD currency account, so no conversion is necessary. I have repeated this instruction twice, to ensure that I was understood and the clerk verbally confirmed that. Citibank has charged me {$45.00} for this service. The clerk said that I should expect the money in the other account within 24 hours. I was given 6 pages of paper to review, which I signed under the assumption that they reflected my verbal instructions - that paperwork is attached. I can provide the Citibank reference number for that transaction. Two days later, I asked my son to check the status of the wire transfer and he informed me that XXXX has appeared in the account in question. The next day, I have visited the 027 branch in XXXX to inquire as to the fate of the remaining XXXX which appeared to have evaporated in transit. The same clerk informed me that this is likely due to taxes and/or fees which must have been applied by the receiving bank. Given that I 've completed similar transactions before, via Citibank, to the same receiving bank, I know for a fact that there are no additional feed associated with this operation. This answer demonstrated a complete lack of understanding of how currency accounts and wire transfers work and confirmed to me beyond any doubt that the person in question lacked the necessary knowledge and preparation to correctly draft a banking instruction to execute this transaction. Because of this gap, no successful outcome for this transaction could have ever been possible, regardless of how many times I would have taken to explain my intent. To summarize - I was charged once, {$45.00} for a wire transfer, and lost XXXX due to the inability of the clerk to correctly submit my request for processing. I have contacted Citibank on several occasions to attempt to rectify this error : - With the teller a day after receiving the money, - A Female manager at the same branch who promised to call me in regards to this incident - a phone call which never materialized, - I received a phone call from " XXXX '', a transfer operations manager, who has been attempting to convince me that the transaction was executed correctly. - I called XXXX seeking help to resolve this situation, on which occasion I spoke with a consultant and received a " confirmation number ''. The key point behind my claim is that the clerk who received verbal instructions from me to initiate this wire transfer did not have the necessary knowledge and training to understand the different ways in which a wire transfer can be executed. This has resulted in selecting XXXX as the wire transfer currency ( and not USD as I requested ), which has left me {$1300.00} in the red.
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| 01/21/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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I was scammed on XX/XX/2023 for {$490.00} by someone impersonating XXXX XXXX, ( XXXX ) saying I had to pay this fee to keep my original flight home from XXXX or be forced to fly ten days later. After speaking with the real XXXX XXXX, I realized immediately that I had been tricked and disputed the charge with my Costco visa at Citi Bank on XX/XX/XXXX, explaining it was a scam. I cancelled the card and got a new one. The charge on their system said XXXX XXXX XXXX XXXX TX, but I was told by the real XXXX XXXX that nothing the scammer told me was true, that their charges end with the reference code 660, that XXXX would never charge for a change they initiated, and I would have received an email with a receipt for the fee, none of which occurred. Three weeks later, on XX/XX/2023, Citi Bank emailed me with the good news that my dispute had been resolved in my favor. Your {$490.00} conditional credit is now permanent. There's nothing else you need to do. I was greatly relieved! For details, it said, please click here. I was curious to see how it got resolved so quickly. Generally, it takes up to 45 days at Citi, if the merchant doesnt reply, to get the dispute resolved. But there was no explanation, just dates. The next day, I got another email, saying Action Required! It said there was a message that might require my immediate attention! I looked in my account notifications and found only a blank page with a link in the middle that said in large letters Withdraw Dispute. I didnt understand. Why were they prompting me to withdraw a dispute with a scammer that was resolved in my favor, for which I was given a permanent credit? The only reason I could come up with, was it was a formality to finish the documentation, as when a complaint or bad review results in some compensation or explanation from a hotel or other business and they ask you to remove the complaint from the XXXX or XXXX review. Not suspecting anything, and given no warning or explanation, I clicked on the link, but immediately had doubts and called Citi customer service right away to see if that was a mistake. It was! I explained that I had no intention of reversing the dispute, and explained for the tenth time that it was a scammer, impersonating XXXX, and there is no way I would want to give the money back to him. The friendly woman explained that yes that was a common mistake. but she would take care of it. The next day, I got another message, telling me that they had received my communication, stating I needed to reopen this dispute, but that the money had been returned to the merchant and there was unfortunately nothing else I could do! I was furious!! Apparently, the woman with whom I spoke did not take care of it! I called Citi and complained and was told my complaint would be sent to Investigations but it would take approximately 10 days before I heard back. After waiting and worrying for 10 days, I finally got another message, saying that it was irreversible. Again, I called and asked to speak to a manager or someone with authority who could help me. The woman listened very patiently, but could only offer to send my complaint back to investigations again with another 10 day wait. After 10 days, I got another message that it was irreversible and threatening to report my account as past due to the credit bureaus, if I didnt pay the minimum due. I researched this online and found many people have had similar problems with Citi Bank. ( They have 1.6 out of 5 stars on XXXX XXXX ) My options are to file a complaint with the XXXX XXXX XXXX or file a suit in small Claims court, one requiring up-front payment of approximately {$250.00} and both taking up to 6 months to conclude with an uncertain outcome. I will cancel my Costco Citi credit card after receiving my Costco rewards certificate in XXXX. Considering many people are getting scammed ( XXXX XXXX impersonator ) and tricked ( Citi Bank ) out of much more, I consider myself lucky to have learned a valuable lesson about todays world.
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| 05/09/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I received a paper statement from Wayfair in the mail which had fraudulent charges. I immediately called Wayfair customer service and a fraud investigation was opened on my behalf. Since that investigation was opened, Wayfair determined that fraudulent charges were in fact made and removed those charges, but they have failed to remove all related fees and interest and continue to refuse to do so. I now continue to receive billing statements in the mail with the with the related interest and fees, and now am receiving calls from debt collection agencies. I have called and emailed Wayfair numerous times over the past several months and they refuse to handle or even respond to this issue.
Additional details regarding this matter are as follows : Wayfair Billing Statement Closing Date XX/XX/XXXX ( received XX/XX/XXXX ) : Containing {$86.00} in fraudulent charges.
Fraud report submitted XX/XX/XXXX via telephone.
Letter dated XX/XX/XXXX : Wayfair opens a fraud investigation claim on my account Letter dated XX/XX/XXXX : Wayfair advises that they have " adjusted the Minimum Payment Due '' on my account while the fraud claim is investigated.
Letter dated XX/XX/XXXX : Wayfair advised that they removed the disputed charges " and any related fees and interest charges from [ my ] account. '' Wayfair Billing Statement Closing Date XX/XX/XXXX : containing a balance of {$4.00} ( which included interest charges and foreign transaction fees related to the fraudulent foreign transaction which were never removed ) Wayfair Billing Statement Closing Date XX/XX/XXXX : containing a balance of {$6.00} ( which included interest charges and foreign transaction fees related to the fraudulent foreign transaction which were never removed ) Wayfair Billing Statement Closing Date XX/XX/XXXX : containing a balance of {$8.00} ( which included interest charges and foreign transaction fees related to the fraudulent foreign transaction which were never removed ) Wayfair Billing Statement Closing Date XX/XX/XXXX : containing a balance of {$8.00} ( which included interest charges and foreign transaction fees related to the fraudulent foreign transaction which were never removed ) I have called countless times since then to advise of this situation and have been informed that the matter will be taken care of and the fees removed, but I am continuing to receive statements.
My last verbal contact with Wayfair was on XX/XX/XXXX, at which time I was advised that my case was reopened, and that was the most they could do at that point. The representative at that time apologized and advised they would file a complaint on my behalf.
On, XX/XX/XXXX, I received another billing statement from Wayfair which still contains the foreign transaction fees and accumulating interest charges associated with the underlying fraudulent charge which have yet to be removed from my account. This billing statement also indicates that my account is now 3 months past due.
On XX/XX/XXXX, at XXXXXXXX XXXX, I emailed the information stated above in this complaint to Wayfair via email to XXXX. This message was sent with High Importance. No response was received.
On XX/XX/XXXX, at XXXXXXXX XXXX., I forwarded the XX/XX/XXXX complaint to Wayfair at the following addresses : ( XXXX ) XXXX ; and ( XXXX ) XXXX. Again, no response was received.
Meanwhile, I continue to receive harassing phone calls during the day from Citibank on behalf of Wayfair stating that they are attempting to collect a debt. Such calls were received on the following dates and times ( plus potentially other dates and times ) : - XX/XX/XXXX at XXXX XXXX
- XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
There may be other dates and times prior to XX/XX/XXXX, but my call records on my phone will only go back to XX/XX/XXXX at this time. I would need to check actual phone records to identify all calls that I have received.
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| 07/23/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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THD/CBNA refused to acknowledge my previous reports of fraudulent transactions/activity that occurred on my Homedepot Credit Card and my personal bank accounts, as a result of the infamous HOMEDEPOT Data Breach.
THD/CBNA has violated the FCRA & FDCPA and other banking regulations as THD/CBNA attempted to make unauthorized debits to a closed checking account & my savings account. Because of THD/CBNA security data breach, I have suffered damages in an amount to be determined later.
Prior to XX/XX/XXXX, my credit card account was never more than 30 days past due. Because of THD/CBNA data security breach, any payment attempt I or a customer service representative made, the payment source would automatically attempt to debit a closed account and cause NSF fees in the amount of {$35.00} ea. In XX/XX/XXXX, I attempted to make my payment, using my XXXX ACCT # XXXX. I was never made aware by phone or mail that the payment was returned for reason of NSF and had no clue that the payment did not go through. Then again on XX/XX/XXXX, I attempted to make another payment, again using my XXXX ACCT # XXXX. ALTHOUGH I selected XXXX ACCT # XXXX, the payment was debited WITHOUT MY AUTHORIZATION to a closed checking account ( XXXX ACCT # XXXX ).
On XX/XX/XXXX I called to inquire why the payment was NOT taken from the XXXX # XXXX. The customer service representative by the name of XXXX acknowledged that this was an issue with the system update that occurred in XXXX of XXXX. The representative explained that many customers accounts were affected where the system changed/named a PREFERRED PAYMENT SOURCE. On XX/XX/XXXX, the agent XXXX manually removed the ( XXXX XXXX account ending in XXXX ) and " XXXX '' further assured me that she processed a payment for the correct account ( XXXX XXXX ending in XXXX ). Even when done via phone and by THD/CBNA agent, XXXX, the XXXX XXXX acct # XXXX, was charged AGAIN and caused yet another and a grand total of {$100.00} in NSF fees.
XXXX XXXX XXXX XXXX concluded that because the checking account was closed several months prior to these transactions, that when THD/CBNA attempted to debit the checking account and was unsuccessful, THD/CBNA resent the transaction to pull funds from ANY share ( i, e. savings ) associated with my routing and account number WITHOUT my authorization. ( PLEASE SEE THE EMAIL FROM XXXX XXXX XXXX Director, XXXX XXXX ( attachment 1 ).
Because THD/CBNA inaccurate record keeping and Falsified Statements, this account balance has been disputed by me since on or about XX/XX/XXXX. Attached are some examples of the false statements in it's own THD/CBNA account payment history. Notice that THD/CBNA 's account payment history falsely shows that a payment was made on XX/XX/XXXX to Acct # XXXX which was to be removed by XXXX ). Notice that I have not used Acct # XXXX since XXXX BECAUSE it was closed ). ( Attachment 2 ) THD/CBNA payment history further show that a payment attempt processed via phone and by their agent, '' XXXX '' on XX/XX/XXXX, to ( XXXX Acct # XXXX XXXX was returned NSF. This is a false statement for two reasons, and proof of fraudulent record keeping by THD/CBNA : 1 ) THE XXXX Acct # XXXX has over-draft protection and it would have been paid.
2 ) The XXXX XXXX Acct # XXXX statement shows the RETRY & NSF Fee on XX/XX/XXXX - XX/XX/XXXX. ( Attachment 3 ).
Despite my many request for THD/CBNA to investigate fraudulent credit card charges, and unwarranted fees, THD/CBNA continued to proceeded with collecting the disputed balance.
I have previously received notifications from THD/CBNA that my personal information was breached and i was offered Credit Monitoring BUT THD/CBNA did nothing to monitor or even acknowledge fraudulent activity that I alerted them about several times. Ultimately the XXXX XXXX accounts were closed because THD/CBNA 's relentless attempts to debit ANY account I had with XXXX XXXX XXXX, the Credit Union advised me to close all accounts completely.
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| 03/11/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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Copy of letter sent to CEO Citibank, XXXX XXXX.
The XXXX article on fraud with XXXX accounts ( https : XXXX ) and the refusal by the banking industry to address their customers concerns mirrors my recent experience with Citibank. On XXXX XXXX, 2022, I was the victim of fraud. An individual, posing as an XXXX employee, offered to aid me in connecting my XXXX account to my XXXX account. Over several hours, the individual guided me through a series of steps allegedly meant to connect my XXXX and XXXX accounts. During that time, I gave out the number of my Citigold ATM. At no time did I reveal my user ID nor my password.
On XXXX XXXX, 2022, I was reviewing my account online, when I observed an unauthorized XXXX charge of {$5000.00} to " XXXX XXXX '', an individual I did not know. I immediately notified Citibank and my checking account, ending in XXXX, was closed. I received notification that an investigation was initiated and my account was credited {$5000.00} pending outcome of the investigation. Interestingly, on the day that the fraud occurred, there was another XXXX transaction of {$2500.00} to " XXXX XXXX, XXXX '' ( an individual I do not know ). This transaction was denied by Citibank. Also on that same day, multiple attempts were made to couple my Citibank account with XXXX. These attempts were denied by the bank.
Also in XXXX, I noticed a XXXX charge of {$2500.00} to my Citibank MasterCard. I immediately notified Citi MasterCard and the card was cancelled. An investigation was initiated and my account was initially credited {$2500.00} pending outcome of the investigation. That investigation was not resolved in my favor and has now been re-opened.
On XXXX XXXX, I received a message in the " secure message center '' that investigation of the XXXX fraud was resolved. I never received notification how or why it was resolved but my bank account was debited {$5000.00}. Many calls to Citibank resulted in an opening of a " dispute '' of the findings. Ultimately, that dispute was not resolved in my favor.
Today I spent another one and a half hours on the phone, speaking with four different agents in the " fraud '' division, as well as the " disputes '' division of Citibank. When I inquired about content of the various investigations, I was told that my claim " lacked credibility ''. I was also told that I failed to file a police report for a stolen device as the transaction was made on one of my devices. This is NOT accurate as none of my electronic devices were stolen ; they have remained secure and in my possession at all times. I was specifically told when I reported the fraud on XXXX XXXX that I did not need to file a police report given the electronic nature of the fraud. One associate told me that I should check my online banking account daily and that she had never heard of fraud perpetuated in the fashion I described.
As with many of the victims cited in the XXXX story, I have been a longtime member of Citibank, with over 30 years as a client ( most as a Citigold member ). My treatment by the bank has been shocking and has caused me tremendous distress. Sadly, as I see in the XXXX article, I am part of a growing community of victims of XXXX fraud. I believe that my particular case is governed by recent rulings of the Consumer Financial Protection Bureau. I did not initiate the XXXX transaction myself. The fraudster accessed my bank account and conducted the transaction himself. I reiterate : I did not provide the individual with my checking account number nor my user ID nor my password. As stated in the XXXX article : " The Consumer Financial Protection Bureau issued detailed guidance to banks last year about what kinds of fraudulent losses they're required to repay. the regulator requires banks to reimburse customers for losses on transfers that were 'initiated by a person other than the consumer without actual authority to initiate the transfer. ' inclusing those who obtain a victim 's device through fraud or robbery... ''
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| 05/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I reached out to XXXX XXXX with Citi Bank via email onXX/XX/2019 in regards to asking for a good will forgiveness on a {$180.00} balance I forgot to make a payment on ( I paid off immediately after learning about the late payment ). Then on XX/XX/XXXX XXXX from the executive office in SD contact me right away and I really appreciated the quick response. When XXXX contacted me she stated she couldn't help me with my account. My credit means so much to me I didnt want to give up, and asked her if you were in my shoes, would you give up or is there someone else that you would try to talk to? And she stated to me she would have her manager XXXX call me and maybe I can work something out with her. Well, XXXX and I played phone tag for 2 days and never had the chance to speak, as she stopped calling me back. But I did get a credit notification that my Late payment was removed from my account and I was back to 100 % payments on time. Then soon after I received a letter in the mail from XXXX stating she had confirmed that the late payment was removed, I called and left XXXX a voicemail thanking her and I thought my dilemma was over. About 1 or maybe 2 weeks later, I received a notification that the late payment was back on my credit and I went to look for the letter sent to me from XXXX to send it in to the credit agencies and couldnt find it. I called XXXX and left a voicemail requesting a copy of the letter sent to me and got no reply. A few days later I reached out to XXXX and left a voicemail. She called me back a day or two later which was XX/XX/2019 in the late afternoon and said she would send the letter on Monday ( XX/XX/XXXX ) when she was back in the office. I thanked her and waited patiently for a letter that was never sent to me. After checking the mail everyday that week, I finally reached out to her on Thursday or Friday ( XXXX or XXXX ) to confirm the letter was in the mail, since I had a feeling I was forgotten about. She returned my call XXXX and we had a rather puzzling conversation in which she told me she didnt know how my late payment was removed because she didnt do anything to remove it, In which I figured it was XXXX that helped since the letter was from XXXX, and all I wanted was a copy of the letter that was sent to me in which XXXX said she would email me ( confirmed my email address ) and send me a copy via mail. I refreshed my email all day looking for the email that again was never sent. I called back multiple times in the afternoon after letting hours pass thinking she just needed some time to get the email out to me and my calls werent answered or returned that day. I honestly lost sleep that night thinking about it and 1st thing the next morning ( XXXX ) I called and left another voicemail in which she returned my call pretty quick and she had informed me she was waiting on approval to send the letter back out to me. Ive been in customer service all my working life and I have my on own business and communication is a huge key factor in building relationships and I was bothered to not only hear she needed approval to send a letter that was already sent to me, But I waited nearly 10 days for a letter in the mail that was never sent to be told, she needed approval. On XXXX i emailed XXXX XXXX again about the letter and sharing the experience i was having with the corproate office. A coulple hours later, XXXX contacted me ( 1st time speaking with her since i started reaching out ). She refused to send me the letter even stating it was " accurate at the time '' but the not anymore. I dont understand how she can withhold a letter that was sent me to me before. I asked her to escalate the situation to her boss and when asking for her supervisors name, she refused to give me her first name and only said it was Ms. XXXX. This experience has literally caused me to lose sleep as its been very frustrating at the lack of communication and strong disregard for customers from XXXX at the Citi Bank executive office in South Dakota
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| 11/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I spoke with my credit card company on XX/XX/XXXX and setup Payments in the amount {$75.00} that day ( XX/XX/2018 ). Also setup reoccurring payments for every Friday in the amount of {$100.00} with the sole intention of bringing my account current and avoiding the account being closed. The payments that were successfully debited from my checking account on the following dates ( and amounts ).
*XX/XX/2018 {$75.00} XXXX 1 payment of {$100.00} XX/XX/2018 1 payment of {$100.00} XX/XX/2018 1 payment of {$100.00} XX/XX/2018 1 payment of {$100.00} XX/XX/2018 2 separate payments of {$100.00} i also have received late fees in XX/XX/XXXXand XX/XX/XXXX after making all of the payments agreed upon as will a total of {$74.00} The original representative stated that if the payments were setup it would avoid the account being closed. I asked and confirmed verbally on a recorded call 3 times that if I setup these payments the account would not be closed. 3 times on that very call before i agreed to setting up such a large amount in such a short period of time. All payments were received and applied to the account successfully. The account was closed however the same day I made the arrangement even though I was advised that the successful completion would avoid that.
Several times I have asked for a refund due to the false and misleading way that those funds were obtained. I would in no way have put aside {$670.00} dollars in less than a month in a have after my grandfather had passed away, my car was at risk of being repossessed if i was informed that this card was going to be closed.
Myself and my Fiance XXXX have spoken to them on at least 6 occasions and given false or misleading information. We have been told multiple times that the funds were refunded due to the fact the account could not be reopened.
finally this evening on XX/XX/2018 I spoke to a manager by the name of XXXX. Unlike XXXX and several others she refused to provide and ID number. She implied that she was better than me because she had never been late on a bill. She showed no sign that the FDCPA and false or misleading business practices procuring the payments I had previously requested refunded played a role in funding her company. She spoke over my fiance, she implied multiple times that other representatives were improperly trained, lacked the knowledge to provide accurate information regarding my account and admitted on a recorded line that the very day that my arrangement was setup my account was also closed.
I gave up everything to focus on this card, I wanted it to be the one shining light in my financial future that came from all of the financial hardship my life just handed me. Instead I am told that a representative can promise or say whatever they want, no one at that financial institution has to fix any of the lies, they can keep whatever money was given under those false pretenses and still talk down to me no matter how much I tried.
I would like every phone call between myself and CITI ( XXXX card ) reviewed by both CITI themselves and a representative of the Consumer Financial Protection Bureau ( CFPB ). I may or may not contact an attorney regarding the potential FDCPA violations of false and misleading information. Per the FDCPA and past cases each violation can be {$1500.00} dollars and any actual " injury ''. Actual each representative can be held liable at the same amount as their employer as they are acting soley as a debt collector.
Please review all the account documentation, all of the payments, all of the phone calls. No agent on the phone who is able to discuss an account with a consumer should be at a point that they could not know something accurate about that customers account. Agents should not be allowed to hang up on a customer who is doing everything in their power to resolve their financial obligation. No agent should be allowed to be rude to a customer who was mistreated or lied to by their company. We are customers. This is horrifying.
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| 08/30/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Our firm, XXXX XXXX, is monitoring our client 's request for mortgage assistance with CitiMortgage ( " CMI '' ) to help facilitate the process and ensure CMI 's compliance with Regulation X. For the past several months, CMI has failed to act diligently and continues to send requests for documents that were previously provided or that are not needed. Our client submitted her loss mitigation application on XXXX XXXX, 2016 via fax. A hard copy was sent via certified mail one day later, which CMI received XXXX XXXX, 2016. When the application was submitted, no sale date was scheduled ; but a sale date was later scheduled for XXXX XXXX, 2016. CMI failed to inform the Borrower whether her application was complete or not until a month later when it sent us an email XXXX XXXX requesting additional documents ( XXXX for contributor ; HOA payment & balance information ; hardship affidavits ; Dodd Frank form ; and letter stating no business bank account ). We received another email on XXXX XXXX requesting a XXXX form. All of the requested items were faxed to CMI XXXX XXXX and hard copies of documents were sent via certified mail attached to a RFI asking whether the package was now complete.
Then on XXXX XXXX, we received an email from CMI requesting the following documents:1 ) non-borrower authorization form ; 2 ) non-borrower proof of residency ; 3 ) HOA information ; 4 ) current P & L statement with bank statements XX/XX/XXXX-XX/XX/XXXX ( letter of explanation " for any deposits over $ XXXX '' ) ; 5 ) current P & L statement, business bank statements to XX/XX/XXXX-XX/XX/XXXX & letter of explanation " for any deposits over $ XXXX-non-borrower '' ; 6 ) letter of explanation ( " LOE '' ) how often bonus is received for borrower & non-borrower ; and 7 ) 30 days of consecutive paystubs for borrower & non-borrower. On XXXX XXXX, we submitted the following items to CMI via fax:1 ) LOE regarding HOA fee amount, frequency, & balance with letter from the HOA also ; 2 ) authorization form for non-borrower ; 3 ) proof of occupancy for non-borrower ; 4 ) 30 days of paystubs & LOEs regarding bonus pay for borrower & non-borrower ; 5 ) borrower bank statements for XX/XX/XXXX-XX/XX/XXXX & list of all deposits over $ XXXX ; 6 ) non-borrower bank statements for XXXX-XX/XX/XXXX & list of all deposits over $ XXXX ; and 7 ) non-borrower LOE stating no self-employment income. On XXXX XXXX, we received an email from CMI stating documents were complete.
Subsequently, CMI called our firm stating the following items were now needed : updated P & L statement & business bank statements for borrower even though CMI was already informed there was no business account. We faxed the updated P & L the same day, XXXX XXXX. On XXXX XXXX, we were again told no more documents were needed and the loan was in underwriting. Despite the foregoing, we received an email XXXX XXXX requesting information about deposits for {$1000.00} each on XX/XX/XXXX and XX/XX/XXXX. Please note those were n't included in the previous LOE on deposits because CMI only asked for deposits over $ XXXX. The deposit information was faxed to CMI on XXXX XXXX. Due to the ongoing review, we petitioned the court and got the sale date reset for XXXX XXXX so CMI could complete its review. CMI sent a letter to our client dated XXXX XXXX stating it would not review her because the documents were n't sent by the program deadline. We then sent a Notice of Error explaining all the documents were submitted and also reached out to CMI, who assured us the file would be resubmitted for review. During the call, the CMI rep asked that we provide the borrower 's XX/XX/XXXX bank statements. We sent CMI the statement on XXXX XXXX and received confirmation the package was complete and under review for a THIRD time on XXXX XXXX. About a week later, the client personally received an email from CMI requesting an unreasonably long list of documents, some of which were already provided and others that are just ridiculous and unnecessary.
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| 06/07/2016 |
Yes |
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Web |
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Macy's/Deparment Stores National Bank is charging me interest on {$0.00} - I missed a payment on my Macy 's account for the billing statement issued XXXX XXXX, 2016. The " Payment Due Date '' was due XXXX XXXX, 2016. After realizing I missed the {$280.00} payment, when I receive my statement for the following month XXXX XXXX, 2016, I was charged {$27.00} for the late fee and {$5.00} interest on my purchases. Which made my new total {$310.00}. No big deal, I understand that this was a result of my negligence. The " Payment Due Date '' on the XXXX XXXX, 2016 statement was listed as : XXXX XXXX, 2016. I paid the bill in full ( {$280.00} previous balance + {$27.00} Fees Charged+ {$5.00} interest totaling {$310.00} New Balance ) on XXXX XXXX, 2016. So I assumed I had paid my debt in full, and as a result my account balance should remain {$0.00}.
The following month, I received my statement for XX/XX/2016. It said " Previous Balance : XXXX ", " Payments '' : XXXX, " Interest Charged '' : +5.47, " New Balance '' : {$5.00}.
The problem is that I paid the balance in full on XXXX XXXX, 2016, before the payment due date : XXXX XXXX, 2016 and was charged {$5.00} interest on a {$0.00} balance. In the " Information About Your Account '' section of my bill the first section is entitled : " How to Avoid Paying Interest on Purchases. '' In this section it blatantly says, " Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. '' I missed payment for the XX/XX/XXXX bill I received with statement closing dates : XXXX/XXXX/2016 to XXXX/XXXX/2016 : Payment due XXXX/XXXX/16. I paid my bill in full for the XX/XX/XXXX statement I received with statement closing dates XXXX/XXXX/2016 to XXXX/XXXX/2016 : Payment due XXXX/XXXX/16 - paid XXXX/XXXX/16. The XX/XX/XXXX bill with statement closing date XXXX/XXXX/2016 to XXXX/XXXX/2016 is the bill where I was charged interest. But I should n't have been if " We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. '' was a truthful or valid practice of the company.
I thought my balance was {$0.00} and did not receive any statements in the mail like I 'm signed up to receive whenever I have a balance on my account. This resulted in additional missed payments, for the XXXX 2016 bill for the amount of interest ( {$5.00} ) and the XXXX 2016 bill for the amount of interest + a late fee ( {$5.00} + {$2.00} ) on my account. Macy 's reported this missed payment on interest that I should not have been charged for to the Credit Bureau ( XXXX ) as an unpaid account, but I was never contacted or made aware.
After sitting on the phone with representatives from the customer service number provided on my bill. They refused to even acknowledge that I paid my " New Balance '' for the bill I received in XX/XX/XXXX, in full, by the due date, and thus should have been charged {$0.00} interest the following month ( XX/XX/XXXX : billing cycle XXXX/XXXX/16 to XXXX/XXXX/16 ). After speaking with a supervisor I was told that they would " resolve '' the {$5.00} interest, and was supposed to be given a credit for that amount ( not including the {$2.00} fee for late payment on what should have been {$0.00}. ) While on the phone I told the supervisor I just wanted to {$0.00} my bill but should n't have to pay interest that the policy states I would n't be charged for. So I agreed to just pay the {$2.00} late fee & small balance from a purchase, using my bank account that they had on file. The payment I agreed to verbally from my account and the {$5.00} credit from the company have yet to be posted on my account activity.
My credit has been negatively affected by their error, and the company wo n't correct a mistake that violates it 's own policy. I know XXXX other people who have also recently been charged interest after paying their bill in full.
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| 07/06/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Sequence of facts. - On XX/XX/XXXX, I was approached by a XXXX XXXX representative, asking me for an interview concerning my opinion of the quality of drinking water in Puerto Rico. Gently I I answered all questions of the interview. My name and telephone number were given. It took place at XXXX XXXX Store of XXXX XXXX XXXX, XXXX, Puerto Rico ( PR ). - - I was contacted by a XXXX XXXX vendor via telephone call offering me a {$25.00} certificate if I accept a demonstration of a quality test of water in my home. I accepted the invitation. - - At the beginning of XX/XX/XXXX, such presentation was sponsored in my home, but no certificated was issued. On the presentation it was offered by the vendor the installation of two water filter systems. The vendor offered me a period of one month after installation in order to accept or refuse the purchase. It was specified by vendor that just in case I decided not to acquire it, they will pick up the merchandise. This XXXX XXXX representative stated that regardless if I purchase the system or not his salary is per presentation, while sale commissions are additional. The vendor asked me for my social security number with the purpose to verify my credit empiric record only. I confidentially proceed to give him my SS number. More information are included on a attachment 1, 2 and 3. - - The first water system was installed in XX/XX/XXXX, while the second system was finished on XX/XX/XXXX. - - As a surprise I received The Home Depot Credit Card on XX/XX/XXXX, including an statement. The biggest surprise was the charge of {$4900.00} for the purchase of the Water system described above. See more information on attachment 1, 2 and 3. I have no complain for the credit card issued, it is for the unauthorized purchase. The 30 day period given to decide the purchase or not was a false statement by the vendor. Such sale was pushed by XXXX XXXX without my authorization. This charge was dated XX/XX/XXXX, 3 weeks before I even know I have issued this credit card. - - Three day after using the water systems I was in discomfort with them. I decided not to acquire it or purchase - - On XX/XX/XXXX I visited the Customer service department of XXXX XXXX Store in XXXX to cancel the offer of the water system and schedule it to be pickup from my home. An electronic or digital receipt was given to me, based on my request to verify such purchase charged to me. See more information on attachments 1, 2 and 3. - - I also contacted XXXX XXXX manager XXXX XXXX XXXX telling him my decision of not purchases the water filter systems. XXXX XXXX XXXX signed my documents requesting the cancelation and an explanation of the facts. An original copy was submitted to him dated on XX/XX/XXXX. See attachment 1. - - I contacted the Home Depot Credit Services via telephone in order to open a dispute to cancel the charges on the credit cards. On XX/XX/XXXX, I received the Credit Services decision denying my dispute, after an investigation performed by them. In this respond they states : If you disagree, please provide a signed and dated explanation of my position. See attachment 3. - - On XX/XX/XXXX I sent to Home Depot Credit Services the signed and dated documents of my disagree with their decision. This letter has an acknowledged of receipt with the US Postal Mail. As up today I have not received any response from this Department. On this document that I sent there was attached the difference between the first copy of receipt given by XXXX store on XX/XX/XXXX and the second received by Home Depot Credit Services justifying the purchase. As you see the first receipt has not stamp and signature, while the second has it. Such signature is not mine. The receipts were created by XXXX XXXX without my authorization and my signature was falsified. All these evidences and success are included in my response to them. See attachment 4. - - Unfortunately I am paying the minimum payment amount to avoid credit record problems, until dispute is finalized.
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| 11/08/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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The fraud occurred on XXXX/XXXX/15 & XXXX/XXXX/15 on my original Macy 's American Express credit card account and also on my Macy 's store account, which was linked to this Macy 's American Express credit card. Please note that I still retain physical possession of my original Macy 's American Express credit card. My card was not lost or stolen. Only the credit card information was compromised. The Macy 's American Express Fraud Investigation Department called and left a phone message on my home phone alerting me to fraudulent activity on my card. When I received their phone message on XXXX/XXXX/15, I called the Customer Service number ( XXXX ) listed on the back of my credit card, was transferred to the Macy 's American Express Fraud Investigation Department, and spoke with them. They told me that there were XXXX attempts to use this original Macy 's American Express card in New York that they had blocked on XXXX/XXXX/15 & XXXX/XXXX/15. I confirmed to them that these were fraudulent charges by unauthorized person ( s ). Unfortunately, during that XXXX/XXXX/15 call, they failed to check my Macy 's store account activity on XXXX/XXXX/15 & XXXX/XXXX/15. My compromised credit card was deactivated by the Fraud Dept. person on XXXX/XXXX/15, and a new Macy 's American Express credit card, which was linked to a new Macy 's store account, was sent to me for use.
On XXXX/XXXX/15, I received my Macy 's store account bill, which then had the new Macy 's store account number and any charges made prior to XXXX/XXXX/15 using the original Macy 's American Express credit card number linked to the original Macy 's store account had been transferred to it. On XXXX/XXXX/15, I called Customer Service to report that there were also fraudulent charges made in Macy 's stores at locations unknown to me on XXXX/XXXX/15 & XXXX/XXXX/15. On XXXX/XXXX/15, there was {$520.00} charged for XXXX fragrances at XXXX. On XXXX/XXXX/15, there was {$2100.00} charged for XXXX XXXX items at XXXX and {$510.00} charged for boys XXXX clothes at XXXX. The total fraudulent charges are {$3200.00}. These charges on XXXX/XXXX/15 & XXXX/XXXX/15 were made using my original Macy 's American Express credit card number linked to my original Macy 's store account, which is the reason for my fraud claim.
Please note : I attempted to file a police report on XXXX/XXXX/15 for this fraudulent credit card activity with the Police Department. The police refused to do a police report, since the fraudulent charges did not occur in our county.
On XXXX/XXXX/15, I faxed Macy 's Fraud Investigation Department a cover sheet, my Fraud Claim Form with XXXX additional sheets of information and a copy of my driver 's license. When I was unable to confirm receipt of my XXXX/XXXX/15 fax to Macy 's Fraud Investigation Department after calls to them at their XXXX phone number on XXXX/XXXX/15 & XXXX/XXXX/15, I sent a letter on XXXX/XXXX/15 via USPS XXXX Mail XXXX with proof of delivery that explained my fraud situation and sent a copy of my fax transmission confirmation, as well as, the fax, which included the Fraud Claim Form with XXXX additional sheets of information and a copy of my driver 's license. The USPS proof of delivery letter shows that XXXX XXXX received my letter on XXXX/XXXX/15 at XXXX.
On XXXX/XXXX/15, I wrote to Macy 's Fraud Investigation Department again because I had received my latest Macy 's store account bill on XXXX/XXXX/15, which now had another new Macy 's store account number, which I did not request. The fraudulent charges from XXXX/XXXX/15 & XXXX/XXXX/15, which totaled {$3200.00}, and {$68.00} in interest for a total of {$3300.00}, had been transferred to this latest Macy 's store account number. On XXXX/XXXX/15, I sent Macy 's Fraud Investigation Dept. my XXXX/XXXX/15 & XXXX/XXXX/15 letters and XXXX/XXXX/15 fax & transmission confirmation. On XXXX/XXXX/15, I sent this information to Department Stores National Bank, XXXX. XXXX XXXX, XXXX, OH XXXX. ( Refer to attached files! )
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| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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On XX/XX/XXXX Citibank again... I received two emails pertaining to my Citibank card XXXX XXXX and Citibank card XXXX XXXX. Apparently, Citi has a personal vendetta towards me.
( 1 ) Last XX/XX/XXXX when questioned about new card offered your employee removed my new card and replaced it back upon an older card that I previously owned. That issue has never been explained why it occurred nor has it been corrected. I was only told to wait 1 year then re apply for the rewards card???
( 2 ) Then XX/XX/XXXX your Citibank credit department decided to decrease the credit limit significantly on both my cards # XXXX and XXXX XXXX. Plummeting someones credit limit from {$13000.00} to {$8800.00} ( odd amount ) and decreasing another card from {$7700.00} to {$4800.00} ( another odd amount ) has created several issues within each credit bureau, that I am still attempting to rectify. A dispute was file with XXXX ( dispute # XXXX ) and Citibank case ( # XXXX ) ( 3 ) And now XX/XX/XXXX Citibank credit department has raked havoc once again. Less than 3 months ago they decreased my credit limit on both cards and now they have reduced it again. Now going from {$8800.00} to {$5400.00} ( another odd amount ) and the {$4800.00} to {$2000.00}. Conveniently, the reduction of credit is just above the amount I owed.
I have called Citi bank to discuss this new issue of credit reduction. Spoken to several people none of which can explain why or escalate the issue. They just send letters explaining the reasons behind the credit reduction is the credit score ( the credit report score is lower because of their previous actions ). They claim that I can dispute if I find a discrepancy. I have expressed to Citibank CEO and Executive Response Team that by that time all 3 credit bureaus would have received the same information and it would again cause irreversible damage to my credit. This has now happened twice in less than 3 months, and I definitely feel that this is personal because of the original issue last XX/XX/XXXX. I will be filing a complaint/disputes with the Credit bureaus, tXX/XX/XXXX, the Department of Justice and Federal Reserve I expressed that I had been a long-time member of Citi bank and have never missed any payments, all three credit bureaus still report 100 % on time payments to all my creditors over past 7 years. I have NOT acquired any new cards, any new loans and am completely unsure why the credit limit was decreased the 1st time nor this time decreased again. Anyone would be upset as the amount owed vs credit limit is one of the equations used to help base credit scores. I asked the Citibank people to place notes on both card XXXX and card XXXX. They only offer for me to call the Executive Response Office after XXXX ( XXXX ) XXXX. This team of XXXX XXXX does NOTHING to help the issue or situation.
THE ISSUE This reflects badly on all three of my credit bureaus. My credit report will reflect negatively if the original credit limit is NOT re-instated to the original amount. XXXX clearly stated that credit balance vs credit limit is one of the heavy weighing criteria that they use for the credit score reporting number. I am completely blindsided as to what occurred or took place causing this issue in the 1st place. I express major concern and empathically request it to be reversed.
MY DILEMMA If this isnt corrected quickly once it adjusts with the credit bureaus it may worsen inside each credit bureau for months before corrections ever take place thus causing irreputable damage ( XXXX XXXX XXXX ). I have requested ( Executive Administrator assistant ) to hear my concerns and was asked to call the direct line ( XXXX ) XXXX after XXXX EST. I expressed that this is the third time in less than 1 year that I have had major issues and concerns with Citibank. I request it be escalated up to the Executive Administration or a Case Investigator immediately. I still have NOT been contacted back after leaving messages, emails and letters sent via USPS
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| 01/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My Citibank card was charged five times in XXXX, TX : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, TX {$1.00} XX/XX/2017 XXXX XXXX XXXX XXXX, XXXX, TX {$600.00} XX/XX/2017 XXXX XXXX XXXX, XXXX, TX {$250.00} XX/XX/2017 XXXX XXXX XXXX, XXXX, TX {$280.00} XX/XX/2017 XXXX - XXXX XXXX {$38.00} I normally check my bank and credit card statements on a weekly if not daily basis. Around XX/XX/XXXX I discovered that my Citi credit card had five charges that did not belong to me. I immediately called Citi customer service. I gave them the information they needed over the phone and said that they would get back to me. On XX/XX/XXXX, I received a letter from Citi stating that since the card was in my possession at the time those charges were made, I was responsible for such charges. I immediately called Citi customer service again and spoke with a few representatives several times, none of which were able to help me saying they would look into it. I had to explain everything over again to about 5 or 6 representatives, recounting the whole ordeal over again to each new person. On XX/XX/XXXX, one of the representatives agreed with me, saying that if those were not my charges they will be credited back to my account on the next billing cycle. The next billing cycle being on XX/XX/XXXX. I waited until XX/XX/XXXX and I noticed that the charges had not been credited back to my account. So, I called back to Citi several more times and explained once again my entire concern and they said that they couldnt do anything and that I had to pay for those charges. I then requested to speak with a supervisor. At that particular moment a supervisor was not available, so they took my information and then XXXX from Security Investigations called me back, once again I explained the entire problem and they said they will call me back. On XX/XX/XXXX, XXXX, a supervisor from Citi called me back and said that since the card was physically used they can not credit those amounts back to my card.
I was extremely disappointed and I asked her who should I write to, in order to pursue this dispute, since I didnt make those charge and was never in the city where those charges had been made. She then told me that I had to write to the Office of the President at XXXX, XXXX, SD.
On XX/XX/XXXX, I wrote to the Office of the President explaining my concern ( letter enclosed ). Few days after sending the letter, XXXX from the Office of the President called. Once again I had to explain everything that had happened to me. She said by XX/XX/XXXX she would have an answer and would call me back. When she called me back, she told me they were still investigating, but they had removed the charges from the gas station and the vending machine. The other charges, however, would take a little longer and she would get back to me. I have been in touch with her since then, trying to find out if this matter was resolved or not, but she still said that they were investigating and nothing was concrete yet. Finally, on XX/XX/XXXX, she called me saying that they could not credit the amounts back to my card because they couldnt get the necessary information from the vendors. She told me Citi had contacted the vendor 's banks but they wouldnt offer any information. She went ahead and googled the restaurants to provide me with their phone numbers. XXXX XXXX phone number is XXXX and XXXX XXXX phone number XXXX. She suggested that I should call and try to get the information myself.
I went ahead and called the numbers and both were dead ends. The number of XXXX XXXX lead to an automated response that said subscriber not available and the one for XXXX XXXX was a number for a private residence, not a restaurant. I looked at a different number online and that one ( XXXX ) led to a voicemail that was not set up. At this point, I am very frustrated that Citibank wants me to pay for something that I never bought in a city I havent been to in the past decade.
I have also included letters exchanged with Citibank.
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| 03/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I will submit a condensed version of the complaint since I just spent ONE HOUR gathering receipts, statements, documents, invoices, etc and completed all the forms, but when it came time to upload the documents, the computer froze and all the work was lost. Not to risk that again, I will submit the documents separately against Macys and Bloomingdales.
The following charges were made as a 60 % required deposit to XXXX XXXX and XXXX XXXXXXXX to order the product from XXXX, the dealership.
There were two invoices {$11000.00} for three sets of two sliding glass doors including installation {$8.00}, XXXX for two sets of double doors plus a side door, installation, and the Permit.
Macys charges : XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2500.00} Bloomingdale charges XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$2500.00} Other charge cards were used for the balance due. In addition, XXXX charged an additional 3.5 % for the use of the credit card, plus 7 % taxes. New door handles & new locks were needed for the 5 doors. This was an additional approx {$1800.00} cost.
THE PRODUCT TOOK NEALY A YEAR TO ARRIVE, as was the case with many materials these days.
XX/XX/XXXX XXXX said the materials arrived and he came to install and demanded the balance of the 40 % cost, of which I paid him in full.
XXXX left all the trash of removed patio and side door in the back yard although his contract included removal. The install was bowed and not closing and leaked in the rain. The handles were mismatched causing them to fall off. The front doors were reversed ( 30 years the right door opened, now it was the left ). Foundation cement was exposed and the door shook ... doors that were supposed to be tight and secure for a hurricane., I continued to call XXXX to set an appointment for him to finish all the undone and damaged work. Texts, calls and emails went unanswered.
After giving XXXX the benefit of the doubt and thinking that maybe it's because the materials take so long to arrive, I waited for XXXX to respond. That never happened.
Approximately XX/XX/XXXX I submitted a dispute to Macys. When calling Macy 's for a status update to my dispute, I was told by Macys 1 ) XXXX said he completed the work 2 ) Macy 's claimed I waited too long to submit a complaint & refuses to dispute HOW COULD I SUBMIT A DISPUTE SOONER WHEN IT TOOK A YEAR FOR THE MATERIALS TO ARRIVE??? That is unfair and unjust!
Afte realizing XXXX had no intention of returning, I contacted his dealer. I was informed that despite tha fact that XXXX XXXX XXXX licensed on his paperwork, and confirms insured, the dealer ( XXXX XXXX of XXXX XXXX ) informed me that XXXX is NOT insured and is using someone else 's license. XXXX came to look at the job and made a long list of defects. The cost of addressing the defects is estimated at anywhere between {$10000.00} to {$20000.00}. XXXX said the doors need to be removed, an engineer called in, cement poured, inspected along the way, before the doors could be reinstalled.
An addition cost caused by XXXX is when he shaved down a NEW XXXX lock lever which jammed the system and had me locked out of my house until XXXX XXXX while the locksmith picked the lock open for {$300.00}. The NEW XXXX lock ( {$280.00} ) also had to be replaced with another NEW XXXX lock ( {$280.00}. ) So, Macys ( and Bloomingdales Citi Bank is being UNFAIR in closing my dispute when there is no way I could have submitted the dispute any sooner. As stated previously ... it took nearly a year from the time of order to material arrival. Then I waited for XXXX to do the install instead of a scam. Again, how could I predict that and dispute sooner??? XXXX requested cash or check but I paid more money to have the protection for consumers which are backed by the credit card.
Not only did XXXX scam and steal and leave me in a mess, but CitiBank is cheering him on. It is UNFAIR. Citi Bank needs to step up and do the advocacy of the consumer for which they profess they do.
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| 07/24/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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XX/XX/2022 : I made an in-person deposit at the Citibank branch XXXX I deposited 13 checks totaling {$65000.00}. Everything looked fine and I walked out of the bank.
XX/XX/XXXX : I received an email at XXXX am stating that one of the checks had triggered a suspicious alert and my accounts had been locked for safety. The email instructed me to call the fraud dept. at Citibank. I called the number immediately and waited on hold for 45 minutes before reaching a human. This person asked me what the money was for. I told them in the most honest and clear way, what the money was for, and they claimed over the phone that the process would soon be complete and all was well, and that I would receive a letter in one week with more information. I told the representative that I would be out of the state and unable to receive an important letter, and they said to not worry about it. At this point I realized that my online bank account was not accessible - as if I had no bank account at all. The login process just refreshed to a blank login form, no information about whether this was a computer glitch or whether I was now banished from the system. No way to access my bank statements, customer service chat, etc. I was not informed over the phone of any details on the length of time it would take or whether the money was safe.
XX/XX/XXXX : I called the fraud department again because I was still locked out of my bank accounts and worried about the $ 65,000+ in my checking account. After one hour on hold this time, I reached a human. This person went through the same process as the first person, asking me what the money is for. I gave them the contact info of the issuer of the " suspicious '' check. I later learned that this person waited on hold for one hour, was treated rudely, and was hung up on when they called back the fraud dept. at Citibank. At this point I called my bank branch in XXXX and begged for their help. The personal banker whose name I did not record waved me off by saying that because this is a fraud case, they can not help me whatsoever. I believed him.
XX/XX/XXXX : I called the fraud dept. and spent hours trying to get a human who could do more than just go through the same fraud detection process. I got nowhere. I called Citibank customer service and went through a runaround for hours trying to find a supervisor or manager who was willing to help. I was being told that my bank account was referred for closure and was not told whether I would have to recontact the 13 people who had issued the checks that are frozen in my account. No information whatever was available. I called my branch and reached the same personal banker who again dismissed me. I begged to talk to anyone who cared about helping me. I was then connected to the branch manager XXXX, who presented as an extremely caring and willing customer service provider. XXXX stated that because the issuer of one of my checks was using a smaller credit union, Citibank had probably triggered the fraud alert but had no way of contacting the credit union to resolve the issue, because they use two different systems of interbank communication. XXXX was knowledgeable and helpful. XXXX promised to call the fraud department right away and get this resolved. I did not hear back for 24 hours, so I called my branch and XXXX informed me she was still waiting to hear back from the fraud department. I have now waited more than four days and there seems to be no hope of ever hearing back. I still have no idea where the money is, whether it has been returned to the issuers or has been seized by Citibank. Citibank has left me completely in the dark holding my money hostage. As far as I know, the money is gone forever, or could take months to be returned to me. To say this has been inconvenient and stressful would be the understatement of the century. I am submitting this complaint in hopes that Citibank will improve their fraud department communications and improve their customer service.
|
| 08/19/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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NB : I do not know if the COSTCO Visa card can be used at other stores.
RE : COSTCO member number XXXX COSTCO/Citibank denied me a credit card for unfair reasons, specifically, because I have a credit freeze on my credit report and it will not pull my credit report within a designated time when the freeze is lifted. The result is that I unfairly, if not as a result of advertising deception, pay more for items bought at COSTCO than I should, because I am barred from receiving additional discounts that I would get if I used the COSTCO VISA card issued and managed by Citibank. Although I tried to correct this problem with the membership division of COSTCO and with the credit card application processor, neither would do anything to correct the problem.
Within the last several years, I applied for COSTCOs VISA card after I became a member of COSTCO. I received a letter in response to my application for the credit card indicating that the application processor could not pull my credit report because I had a credit freeze on my credit report. I called the number provided in the letter and discussed the problem with a woman who answered the call. I explained that, because of the XXXX data breach and for other, similar, long-standing reasons, I have an enduring credit freeze on all of my credit reports. It is the only way possible to protect my privacy and risk of identity theft that I believe is rampant in the current system. I further explained that I could and would lift the freeze and provide a code to the woman that she could use to pull my credit report within a certain period of time after the freeze is lifted, so that she could complete processing my application. This procedure, of the credit bureau providing a code to me for a specific potential issuer of credit, is set by the credit bureaus. I also do not feel comfortable removing the credit freeze on my credit reports indefinitely and in general so that any source could get my credit report for an indefinite period of time. The only way to protect myself from the credit bureaus sloppy operations, abuse of my privacy for profit, and abuse of laws that supposedly govern them is to lift the freeze for specific entities that I authorize to pull a copy of my report within a few days of lifting the freeze, temporarily, after which the freeze resumes.
The woman who worked for whatever group sent the letter with the telephone number to contact her about my application for COSTCOs VISA, said that she would not use the code or pull the report within the specific period of time. I dont know why she unfairly refused to complete processing my application, but the CFPB should investigate why she refused to follow the credit bureaus own procedure to protect individuals from identity theft and a whole host of financial fraud. In particular, it should investigate whether Citibank, the application processor, or other affiliated entities are using applications for this credit card to gain access to peoples credit reports for other, unauthorized purposes.
But whatever the excuse is, COSTCO should issue me credits for whatever discounts I would have earned since I applied for its VISA and it should issue me its VISA immediately without further delay, assuming that my credit rating meets its criteria. I have every reason to believe that it would, despite the fact that Equifax still does not provide copies of my credit report to me for review readily when asked to as it should. ( I will request free copies of my credit report from XXXX again soon. ) Aside from this, COSTCO, Citibank and their affiliates implicated in the aforementioned denial of the credit card to me, should be closely monitored. Many COSTCO members nationwide are potentially affected by these habitual actions of unfair pricing, across all income groups, including persons financially injured by the current XXXX caused by the covid-19 pandemic. No one, including me, should be disadvantaged by COSTCO and Citibank in this manner.
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| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have a lawful right to privacy and that right has been violated by Account Name : CITI Account # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX They have violated 15 U.S. Code 1681 Section 602 of the Fair Credit Reporting Act which states : 15 U.S. Code 1681 Section 602- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
A consumer reporting agency may Not furnish my consumer report without written instruction from me under 15 U.S. Code 1681b Section 604 which states : 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I HAVE NOT PROVIDED WRITTEN INSTRUCTION TO : Account Name : CITI Account # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX TO FURNISH MY CONSUMER REPORT. THIS VIOLATES 15 U.S. Code 1681b.
They are also in violation of 15 U.S. Code 6802 which reads : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party Please see the attached documents that reflect attempts made in order to protect my privacy. These violations have caused a tremendous amount of stress for me, on my family, and household all together.
15 U.S. Code 1681c Section 605 states that there are requirements relating to information contained in my consumer report and reads : 15 U.S. Code 1681c Section 605- Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
I have committed no crimes so again, my rights continue to be violated here with these accounts being contained in my consumer reports.
The Consumer Law states that it is the duty of the furnishers of information to provide accurate information.
15 U.S. Code 1681s2 ( A ) ( 1 ) Section 623- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Account Name : CITI Account # XXXX reports 25 derogatory marks for a charged/written off balance on my consumer reports. Proof of late payments have been requested via certified mail for all 3 accounts, to no avail. Yet they remain on my consumer report without my consent and with conflicting invalidated information. I have included attachments supporting my attempts to protect my privacy
|
| 02/28/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I opened a checking account in XX/XX/XXXX with Citibank because the account offered a {$400.00} bonus if certain terms were met. Citibank made requests to me at that time to obtain pieces of information including a copy of my driver 's license. I provided all required documentation & funding information prior to the XX/XX/XXXX deadline that Citibank relayed to me.
The main issue stemmed from Citibank indicating it did n't receive a copy of my license, which I made several attempts to provide. I originally mailed a copy on XX/XX/XXXX. On XX/XX/XXXX, I called Citibank ( because I knew that I needed to still fund the account to meet the terms of the bonus ; however, the account had still not showed setup when I checked online, which is how I had planned to fund the account ), & they indicated they did n't receive the copy of my license I had mailed. I expressed my concerns of providing another copy due to the fact that Citibank would likely not receive the documentation by the XX/XX/XXXX deadline. After speaking with a supervisor, he agreed to overnight me an envelope so that I could overnight a copy of my license back & meet the deadline ( the other option was via fax, but I did n't initially have a way of doing that ).
Soon after, I figured that I could fax a copy of my license from the XXXX, so I called Citibank back to obtain their fax number. Immediately after, XXXX faxed my license three different times to Citibank to ensure it was legible. While still at XXXX I called Citibank back to verify they received the fax & that it was legible. Citibank indicated they could not verify receiving the fax for 24 hours.
After realizing I would no longer be able to fund my account online due to the XX/XX/XXXX deadline, I moved money ( {$15000.00} ) from my XXXX Account to my XXXX Account ( on XX/XX/XXXX ). This was done because as indicated by Citibank 's Welcome Packet in order to fund the account by telephone it must come from an existing checking account. On Monday, XX/XX/XXXX, I called Citibank to provide them with my account information. At this time I also made attempts to verify that my fax was received ; however, no confident validation was received. Given this, I decided to overnight another copy of my driver 's license to be on the safe side.
On XX/XX/XXXX, I called Citibank to verify that my account was fully activated and still eligible to receive the {$400.00} bonus. After speaking with a supervisor, he indicated the account had been closed for incompleteness ( on this day-XX/XX/XXXX-due to not receiving a copy of my driver 's license ). After explaining what had happened, he tracked down the copy that had been overnighted & saw that it was received on XX/XX/XXXX. The supervisor reopened the account & indicated that all information had been received. He also confirmed that I was still eligible for the bonus.
After waiting 120 days per the terms of the {$400.00} bonus, I called Citibank to see why the bonus had not been added to my account. They indicated my deposit had not shown in the account until XX/XX/XXXX, which missed the XX/XX/XXXX deadline. I explained the error the bank had made at account opening & so an investigation was started on XX/XX/XXXX.
On XX/XX/XXXX, I spoke with a supervisor over concerns of leaving {$15000.00} in an account making almost no interest. She indicated the account could be closed & that the bonus could be paid via check after the investigation was complete.
On XX/XX/XXXX, I called to close the account. On XX/XX/XXXX, I received a response to the investigation dated XX/XX/XXXX indicating the account had been closed on XX/XX/XXXX & was no longer eligible for the bonus.
On XX/XX/XXXX, I filed a complaint. A supervisor ultimately requested the fax transmission verification report from XX/XX/XXXX. I faxed it to Citibank.
On XX/XX/XXXX, I received a response. It said my request was denied due to the funding date.
In all, the bank 's practices are deceptive & I have been financially harmed.
|
| 07/11/2016 |
Yes |
|
- Closing/Cancelling account
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|
Web |
Older American |
|
I was in XXXX at the beginning of an intl trip. My Citi Premier card used for all my travel expenses suddenly stopped working on XXXX/XXXX/XXXX. I found out Citi had closed all my cards. Citi also deleted my ThankYou Account ( No.XXXX ) that had a bal of XXXX points in it.
As a XXXX and XXXX, I travel a lot and put all my travel and dining exp on the Premier cards due to the XXXX Category Bonus on Travel and XXXX Category Bonus on Dining. According to the ThankYou Program Rules, Premier card owner can redeem the pts for flights at a value of {$0.00} per pt. This is the usage I am saving my pts for. XXXX TYPs would mean {$1300.00} worth of flights to me.
When I returned home a month later I found 2 letters from Citi, one for my AA card ending XXXX and the other for my Double Cash card ending XXXX. Citi gives no reason to account closure other then that " Pursuant to our Card Agreement, we have the right to close your account at our discretion at anytime without prior notice. We have chosen to exercise this right. '' No letter is received for my other cards. Going over the Card Agreement I could not find any rules that I ever violated. In almost 20 years relationship with Citi, I had an impeccable payment history. I never carry any revolving balance. At the time when Citi closed my cards I had XXXX Premier cards earning TYPs, XXXX AA cards earning AA miles, XXXX XXXX card earning XXXX pts, and XXXX Citi Double Cash card earning XXXX % cash rebate. All my A/Cs were in good standing when Citi closed them. I have not violated any program rules. I tried to reach out to Citi to find out the reasons behind the decision to no avail.
Aside from the XXXX TYPs Citi takes away Citi also owes me the following earned but not posted yet pts and cash rebate : 1 ) On XXXX/XXXX/XXXX Citi emailed me a Spend Bonus Offer on my Premier Card ending XXXX. Citi stated : '' To thank you for being a loyal Citi ThankYou ( R ) Premier cardmember, we 'd like to share this special offer with you : Spend {$3000.00} on purchases with your Citi Thank You Premier Card over the next 3 months starting XXXX XXXX, XXXX and you 'll earn XXXX bonus ThankYou Points. '' I met the spend requirement on XXXX/XXXX/XXXX. The bonus was not posted to my A/C when statement closed on XXXX/XXXX/XXXX. Citi said it would post on XXXX/XXXX/XXXX. A week later Citi closed all my cards. Since Citi closed my cards and my TY A/C, Citi essentially avoided paying the bonus. At {$0.00} valuation XXXX TYP is valued at XXXX
2 ) My Premier card ending XXXX was opened in XXXX and still had a bal of " flight points '' earned when using the card to book flights per the previous reward structure. Citi has changed the structure but existing " flightt pts '' continue to be matched with pts earned from spending at a XXXX to XXXX ratio. Once matched, the flight pt become the TYP that has real value. On the billing cycle when Citi closed the card, I had put in a total spend of {$550.00}.
- {$290.00} regular spend earned XXXX TYP per {$1.00}. {$75.00} onTravel earned XXXX TYP per {$1.00}. {$180.00} on Dining earned XXXX TYP per {$1.00}. TYP earned from Spend would be XXXX+XXXX ( XXXX ) +XXXX ( XXXX ) = XXXX TYPs. An equivalent match from the Flight Points add another XXXX TYPs for a total of XXXX TYPs earned. At {$0.00} value per pt, XXXX TYP is valued at {$22.00}.
3 ) The Double Cash card ending XXXX earned XXXX % cash back at spend, and another XXXX % at payment. I spent {$8300.00} on last billing cycle. I made payments from the linked Bank A/Cs inside the Citi accounts online at {$2700.00} on XXXX/XXXX/XXXX {$3800.00} on XXXX/XXXX/XXXX and {$1600.00} on XXXX/XXXX/XXXX. Statement closed on XXXX/XXXX/XXXX with XXXX balance. I earned both the XXXX % on purchase and XXXX % on payment within the billing cycle for an amt of {$160.00} cash back.
In total Citi owes me {$1600.00} ( XXXX+XXXX+XXXX+XXXX ) the total value taken away.from me.
Citi also causes blemish on my otherwise stellar credit history
|
| 07/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XX/XX/2022, I opened a checking and savings account with Citibank at a local branch location located at XXXX XXXX, XXXX XXXX NY XXXX.
The branch banker, XXXX, had no issues opening my account and depositing XXXX large checks in the amounts of {$37000.00} and {$7200.00}. The checks were addressed to me, the account holder, however, the first name on the checks had a spelling error.
The next day, my accounts were flagged for check fraud because of the spelling error on the checks. I was sent an email on XX/XX/2022 stating my account ( s ) will be closed.
The company that issued the checks contacted Citibank to verify the checks multiple times. The Citibank reps in the Fraud Prevention office did not attach the notes to my account.
On July 5th-6th, 2022 " The company who issued the check to me called the Citibank Fraud Prevention Department at the number you provided. They spoke with someone named XXXX and gave him the check numbers, amounts, and payee names and explained that these were valid checks. XXXX told the company that he would be recommending that the flags be removed from the checks. Unfortunately, XXXX would not provide the company with any other information, including the timeframe for funds to be released if his recommendation is approved, and said any other information could only be released to the account holder. The company then checked its bank account. The funds are showing as debited, which means they havent been returned to the company 's account but perhaps that they are still being held at Citibank. '' I called the Citibank Fraud Prevention department ( XXXX Option 4 ) on XX/XX/XXXX to confirm if the checks are verified, they said they do not see any notes on the account.
On XX/XX/2022 " The company rep who issued the check called Citibank again today and spoke with XXXX ( she confirmed the spelling ) just over an hour ago. She repeated to XXXX that the checks are good and the company wants them to be released to the Citibank account holder. XXXX told her that he could not give her any further information because she is not the account holder, other than to say the resolution process usually takes two to three business days and that the account holder can call, provide her account number, and check the status. '' I called again to the Citibank Fraud XXXX department ( XXXX Option 4 ) and Citibank claimed they had no record of the company calling to verify the checks.
On XX/XX/2022 the Citibank branch @ XXXX XXXX was able to unblock my account. I walked in and spoke to XXXX.
I provided tax documents, past pay stubs from the company, and other bank transaction history proving that I have been paid by the company that issued the checks before. XXXX called the back office and inputted notes and error codes to restore my access.
I was able to make purchases and withdrawals using my account. I tried to set up XXXX XXXX and it triggered a fraud issue. I called Citibank on XX/XX/XXXX to regain access and was told that my accounts were being set to close. I was told to call XXXX, Option 7.
On XX/XX/XXXX, my accounts were flagged for review because the back office claims the checks are not verified.
On XX/XX/XXXX, I received an email stating my accounts will be closed.
I spoke to a branch manager the same day and was told that my accounts will be closed and there is nothing I can do about it. I have to wait for a letter and within 30-60 days of account closure, Citibank will issue a check for the funds in my account.
The branch manager also stated that I will not be able to open another account with Citibank and if I do I will be flagged by the bank.
I called Citibank Customer Service today and was told that the funds on my checking accounts were noted as fraudulently acquired and will be sent back to the company that issued the funds within 30-60 days. The checking account was closed on XX/XX/XXXX. The savings account is still open but is completely restricted and is in process of closure.
|
| 10/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
What happened : I have used Citi credit cards since XXXX. During the nearly 8 years, I've been very loyal, using them regularly and routinely, and NEVER missed a payment.
I have three cards with Citi : 1. 'XXXX XXXX XXXX ' with a {$48000.00} credit limit, earned {$3000.00} in cash rewards, but have not redeemed them yet.
2. 'XXXX XXXX XXXX ' with a {$10000.00} credit limit, earned {$620.00} cash rewards, but have not redeemed them yet.
3. 'Citi XXXX XXXX card ' with a {$25000.00} credit limit, earned XXXX rewards ( equal to $ XXXX based on XXXX rate ) but have not redeemed them yet.
Citi closed all my credit cards on XXXX XXXX ( Saturday ) without a logical or fair reason, which caused some large issues in my daily life.
1. The impact to my credit score was immense due to the large credit limit drop. ( I'm close to buying my own house, and this is debilitating for me ) -The effect that it has on my life is very negative from this significant credit score drop.
-I will most likely lose the chance to buy my house -I may lose future job opportunities since companies run a credit check.
2. Refusal to let me appeal even know there's no logical or fair reason given 3. Taking all of my {$3600.00} cash rewards and point rewards ( $ XXXX ) that I earned away I will explain what happened and what help Im looking for.
* I used the first two cards ( XXXX XXXX & XXXX anywhere ) very often to buy all my personal and business office items, but used XXXXCiti XXXX XXXX XXXX ' less often.
Since XXXX XXXX, I decided to use 'Citi XXXX XXXX XXXX ' more frequently. We have a 'stimulus program ' to award employees who perform really well with XXXX XXXX cards. I was using my XXXX business credit card to buy XXXX XXXX cards from XXXX grocery store, instead, I wanted to use the XXXXCiti XXXX XXXX card '.
First, I called in Citi customer care and security team to report that I will start using the XXXX XXXX card ' more often and will have some big transactions.
Second, after they put in a note, I still had problem making the transaction. I received a security message every time, and I did call in every time to verify myself to make the transactions.
Third, and most importantly, I did ask them every single time if it's ok to use this card for these big transactions, if not, I would switch back to XXXX. However, all the security representatives I talked told me the same thing that it's fine, I just need to call in to verify myself.
HOWEVER, Citi still cancelled all my credit cards on XXXX XXXX ( Saturday ). I even called in to talk to representative to purchase the monthly stimulus prize-XXXX gift cards on XXXX XXXX ( Thursday ) Through all of these verifications with Citi representatives XXXX never once did any of them tell me this was something XXXX couldnt do.
I care about Citi, and Ive had these cards for 8 years. I use Citi for all my personal and business purchases, and have never missed any payments. I did call every time and verify who I was, and that I was in-fact making these purchases. The disconnect and wrong information I received as a loyal customer is concerning. I am not one to misuse or break any type of policies you may have, and that wasnt my intention.
I know Citi is sensitive, so I was looking for the Citi employees to guide me the right way. Customers dont know everything, but instead of answering and guiding the customer through the policies, my accounts were just closed. As mentioned above this has affected me in multiple ways.
Furthermore, my other two accounts were affected and I am still carrying a balance for all three.
This is very hurtful, after 8 years and they just kick you away, take all you have, and don't give a reason. They dont even don't allow you to appeal. Is this the way good customers get treated?
This situation has made a large inconvenience in my life and has caused some significant damages. I would like to work to resolve this issue and continue to be a loyal customer.
|
| 05/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Merchant Name : XXXX XXXX XXXX XXXX, http : XXXX Credit Card Company : Citi card XXXX XXXX : - I ordered ( order # XXXX ) wall panel product for my home office improvement from the Merchants website. The Merchant sent me fake/invalid XXXX tracking numbers. Here are the fake/invalid XXXX tracking numbers : XXXX, XXXX, XXXX, XXXX, XXXX.
- When I told the Merchant that I would report this to the police, the Merchant sent me fake phone number to call them back. Here is their fake phone number : ( XXXX ) XXXX.
- When I filed a dispute with my Credit Card Company, the Merchant disputed back by submitting XXXX tracking number which shipped to a difference address ( not to my address ). The XXXX tracking number shown to be delivered to address in XXXX, New Jersey. I am in XXXX, California. In the XXXX XXXX XXXX XXXX, it also shows the order number that is not mine. Here is the wrong XXXX XXXXXXXX and order number # XXXX - I kept telling Citi card dispute rep that the XXXX tracking number was not shipped to my address, but the Citi card refused to do the investigation work, and no refund credited to me to this day.
THE DETAILS On XX/XX/2023 - I ordered 5 boxes of wall panels from https : XXXX for my home office improvement using my Citi Premier credit card, worth {$810.00} total. On that same day, the Merchant ( XXXX XXXX XXXX ) sent me two separated automated emails, one email contained my order information and one email contained XXXX tracking numbers ( there are 5 XXXX tracking numbers XXXX so Id assume each XXXX tracking number is for each box of the wood panels ) From XX/XX/XXXX - XX/XX/2023 - Ive been keeping an eye on the XXXX tracking numbers XXXX but two days, three days, four days later, the tracking numbers never get updated. They still show The delivery date will be provided as soon as possible. I grew concerned whether Im buying products from a legit business or not. So I emailed the Merchant asking for my order status, but no response. I sent a messenger to the Merchants XXXX for which I first learnt about their products advertisement, still no response.
On XX/XX/2023 - I filed a dispute with my Cit Premier credit card, because ( 1 ) the XXXX tracking numbers were still showing The delivery date will be provided as soon as possible. in fact, the XXXX tracking numbers still show this same message as of this writing and ( 2 ) there were no response to my inquiries from the Merchant. I also sent an email to the Merchant requesting to cancel my order and get my refund back, stating my concerns above.
On XX/XX/2023 - the Merchant, for the first time, replied back to my email saying that my order was being shipped via XXXX but provided no XXXX tracking number. I replied to the email and again requested to cancel my order.
On XX/XX/2023 - XXXX delivered SOMETHING to me, but since I dont have or expect any XXXX tracking number from the Merchant I refused to accept the delivery and asked the XXXX to return the product back to the sender.
During the dispute, Citi card forwarded me a letter, which appeared bo be sent as evidence from the Merchant. The letter claimed that the product had been shipped to my home address in XXXX, California. In that letter, it included XXXX tracking number that was the first time I got to have the XXXX tracking number. However, when I retrieved the tracking number via XXXX, it shown that it was delivered to XXXX, New Jersey, to a difference customer. More over, in the Proof of Delivery, which I also retrieved from XXXX, it shown a difference order number that is not mine, that order number might be belong to other customer.
Since I filed the dispute with Citi card on XX/XX/XXXX, I called the merchant MANY times, and only a few times that they picked up my call, but refused to refund my money back. It's been 5 months now and the dispute case with Citi card is still pending today. I have no other options but to file this complaint. Please help, I am being scammed by this company.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My ex husband and I shared a joint account at Citibank from back when we were married in XXXX - ( divorced in XX/XX/XXXX ). Our Citigold private banker in XXXX added a Checking Plus account to our joint checking account. My ex husband closed aforementioned account last summer/fall XXXX. According to XXXX, Citi made no mention of the Citi checking plus account while visiting a branch to close the account. XXXX said he would've paid it off and closed the account immediately. Unfortunately, since the checking account was closed payments to the checking plus account were no longer auto debited. I immediately contacted Citibank as well as all three CRA 's to inform them the debt is not mine and collection efforts need to be directed to ex husband XXXX. I have called CRAs, disputed, explained, provided faxed documentation of my divorce decree to no resolve. Citibank has allowed this matter to worsen for 10 months of derogatory/ late payments, which has severely damaged my credit scores. Prior to the late payments, my range was in the XXXX and plummeted all the way down to lower XXXX. I have faxed Citi our divorce decree ( dates below ) which states my ex husband is responsible in addition, he was ordered to REMOVE me from all joint accounts including our Mortgage and HELOC and is the responsible party. I faxed Citi on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting removal with my divorce decree, however I only received one letter in XXXX indicating the debt is valid. In addition to faxing, I have called and spoken with numerous departments and have hours of phone calls documented, including a conversation with a representative named XXXX from the XXXX whom submitted the request to remove me from the account while I waited on hold. Prior to this in XXXX, XXXX wrote a check payment for me go into a branch and pay. When I attempted to pay the account off, the branch XXXX of the XXXX XXXX branch said there is no such account on file. In XX/XX/XXXX the account went to collections. I immediately contacted rep XXXX XXXX with XXXX, whom refused to speak with me because I was not listed as an account holder!
I have disputed with all three CRA 's numerous times and called them directly explaining the situation, including uploading the divorce decree, however the only one whose updated/ deleted the account is XXXX thus far. I have spent hours on the phone with XXXX XXXX, XXXX and various Citibank departments in hope this could be resolved.
This account has created significant issues such as : 1. ) I was not given preferred financing for my daughter 's lease in XX/XX/XXXX. I was in tier XXXX and it cost me around $ XXXX more per month interest rate.
2 ) One of my credit lines was closed completely in XXXX due to low XXXX XXXX XXXX Although this is not part of my complaint, I would like to add, Citi has penalized me for my ex husband 's mortgage default in XXXX, XXXX and short sale in XXXX, even though my ex husband was ordered to remove me and quitclaim deed the property title over to XXXX as his sole property. Citi reduced my two personal credit lines from XXXX down to XXXX in XXXX, and have not raised my credit limits despite a 100 % excellent payment history.
XXXX ) I feel victimized and ignored by Citibank, XXXX and XXXX and calculated hours of phone calls from XXXX through XXXX. My understanding is Citibank needed to investigate within 30 days, however I have never received any responses to my disputes, except for 1 letter in XXXX stating the checking plus debt is valid. Furthermore, I would like it noted that I NEVER signed any paperwork to open the credit line in XXXX. I was a XXXX and XXXX XXXX XXXX XXXX until our divorce in XXXX! Recently, after some research contacted the XXXX Department, who asked me to forward my backup ; Credit Reports and Divorce Decree. See XXXX page fax dated XX/XX/XXXX. To date I have not received a response from Citi and I believe their 30 days investigation will be up XX/XX/XXXX. Please help!
|
| 04/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am writing to file a complaint against Citibanks incomplete and inaccurate response dated XX/XX/XXXX2020. Citibanks response, dated XX/XX/XXXX2020, stated that the charge of XXXX 's transaction in the amount of {$1500.00} can not be considered fraudulent and that they may require to report my account as past due to the consumer reporting agencies. Citibank has entirely missed the point and seemed to have mishandled my complaint of XX/XX/XXXX2020. I am of the opinion that Citibank has reached the wrong conclusions ; that may be due to an underlying failure to perform proper due diligence - review and investigate the matter.
On XX/XX/XXXX2020, I filed a complaint with CFPB ( previous CFPB complaint id # XXXX ) against Citibank regarding a transaction with XXXX for an amount of {$1500.00}. The reason was for not receiving service from the merchant ; however, Citibanks response indicates that this charge can not be considered fraudulent. In summary, the merchant unilaterally canceled my reservation without notification and my consent on XX/XX/XXXX2020, some hours before my departure time. I only discovered their cancellation of my tickets when I tried to check-in and reserve seats. I planned to fly with XXXX tickets, but the tickets were canceled by them. Without a confirmed ticket, what service did I receive from the merchant? None.
Its simple : XXXX took my money, and XXXX provided no tickets for my flights. So, my dispute for the charges to my credit card are for bad service/no service from XXXX -- why does Citibank choose to close the complaint by explaining the actions of XXXX were not fraudulent?
Citibank further indicates my credit rating may suffer. This also seems wrongheaded by Citibank. I take pains to keep my account in good standing. It has always been in good standing for all these years. My payments are always on time. Even though I did not receive the service from XXXX, I still made my full payment on time because I don't like outstanding balance and pay hefty interest. I received the Citibank statement for the XXXX transaction in XXXX with a due date of XX/XX/XXXX2020. The payment was cleared on XX/XX/XXXX2020. Proof of payment was included on the XX/XX/XXXX2020 submission. There is no outstanding item in my account ; therefore, why is my account being report to the credit agencies? Because of Citibanks irresponsible action, it appears my credit score has dropped to XXXX from XXXX. My understanding of the consumer protection laws is that Citibank must provide accurate information and it must take prompt actions to correct its errors.
Citibank should not rely on the outdated info and conclude their investigation without conducting a current review of my account and documents. Citibank indicated that they received a valid ticket info from the merchant. The tickets were valid from XX/XX/XXXX to XX/XX/XXXX, but the merchant unilaterally canceled my tickets on XX/XX/XXXX late afternoon. My departure date was XX/XX/XXXX. If the tickets were valid as Citibank indicated, why did I rebook another 2 tickets cost twice the amount of the XXXX tickets? I am not a bank and every penny is my hard earned money. It would not take long for an employee of Citibank to XXXX Customer complaints XXXX and discover that other travelers have experienced problems with this merchant ; this is a fact and it adds credibility to my complaint about bad service/no service by this merchant. I only found out about XXXX service problems after I had booked my tickets.
It seems Citibank closed the complaint based on their outdated comments dated on XX/XX/XXXX, 2020. I can say on a positive note that Citibanks representatives have generally been courteous, but their conclusion of this matter seems dead wrong. Each time I speak to the representative I am provided with inconsistent information. I strongly suggest that Citibank provides comprehensive training to its customer representative to avoid misleading information given to customers.
|
| 03/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I am complaining about being given miss information about how to pay my expiring 0 % interest promo rates. My problem is that now my plan to pay off the credit card without paying interest is completely built on incorrect information and I do not have the funds set up at the right times and will pay interest even though I called ahead to verify how to not pay interest. I will have to borrow money to make my XX/XX/XXXX payment as I dont get paid until XX/XX/XXXX.
What happened : Over 6 months ago I took advantage of a special promo 1.99 % rate on an existing credit card. It was my mistake to not ask beforehand if I could pay the balance from my 0 % rates, after the first statement I talked to them and they explained I could not request my payments to go toward the 0 % rates. So I started putting all but the minimum monthly amount into savings.
I talked to a representative of Citi Bank for my Diamond Preferred card over the phone over a month before the XX/XX/XXXX expiry date. I called specifically so that I would know how to pay off my expiring intro rate ( exp. XX/XX/XXXX ) and balance transfer ( exp. XX/XX/XXXX ) both of which are over 20 % interest when they expire. I was told that if I call within 9 days of the expiration of the interest rate that I could call and ask specifically to pay off the first expiring amount because interest would be immediately charged once it expired because my cycle ends on XX/XX/XXXX. She also said that I would not owe interest on my XX/XX/XXXX expiring 0 % interest ( since it was on the next cycle ) as long as I paid by the due date in XX/XX/XXXX.
So since I am paid today XX/XX/XXXX. I planned to have enough money to pay off the first expiring balance before it would cost me interest and on my next paycheck I could pay off the other expiring intro rate and again not pay interest.
Well this morning I tried to call their customer service line and every time I was transferred to a customer service rep from their automated line there was some message that was too fast to understand and then the line would disconnect. Feeling very afraid that phone technical difficulties would lead me to not be able to make a payment, I went to their chat service ( attached is the conversation ). I was told on the chat service that I have to pay first on my 1.99 % balance due in 2019 before I can pay on any other account even if I specifically ask them to do so. Needless to say, I was not happy to hear that the information given to me on my verification call of over a month ago appears to be completely untrue. I was able to reach Customer Service on their line after hitting a wall with the chat service. I was transferred to a supervisor as soon as one was available. She reviewed what I had been told and she clarified what the actual rules were. She told me how to proceed. I need to pay my minimum now ( due XX/XX/XXXX ) so that I dont miss that due date. Then on Monday ( XX/XX/XXXX ) and I will only be charged one day of interest. She verified that the amount expiring on XX/XX/XXXX will start accruing interest on XX/XX/XXXX, so I will want to make the payment then to avoid more than one day of interest. She also said she has marked this situation as escaladed and for review of the prior recorded phone call and would personally listen to it. She said she would also give me a {$50.00} credit for what this issue has caused ( and the interest I thought I wouldnt have to pay ). She was very helpful and respectful and understanding of my situation.
She already resolved the problem of me having to pay interest as she is giving me a credit of {$50.00}. But I still felt I should turn this in to insure that Citi is not doing this to other customers and to customers in worse situations than I am in. I can technically afford to pay the interest, but I ( and all customers ) have the right to ask a Customer Service Representative and verify the rules of how to pay off 0 % expiring offers and get accurate information.
|
| 04/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
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This complaint was delayed due to a major car accident in XX/XX/XXXX. XXXX XXXX referenced is attached, XXXX docs, XX/XX/XXXX-XX/XX/XXXX to show the corruption of my loan. A full detailed descript is also attached for clarification. On XXXX/XXXX/XXXX I purchased my XXXX acre horse property ; my loan - $ XXXX. In XX/XX/XXXX, my property valued $ XXXX, at foreclosure in XX/XX/XXXX, $ XXXX. It sold XXXX/XXXX/XXXX, $ XXXX. My home was never upside down ; Our $ XXXX/mos pymt do-able. I got XXXX in XXXX. In summary, I had XXXX forbearance plans ( all pd in full ) ; my loan mods always denied after. For 6+yrs were in loan mod, an approval in XXXX XXXX but Citigroup lost our paperwork & denied us. We sent endless credit reports, bank statements, insurance docs, etc. It was mentally & physically exhausting ; we avg 20+ hrs/week following up, re-explaining our situation/lost paperwork because lender reps were " transferred ''. In XX/XX/XXXX, we had $ XXXX equity in our home ; we could n't get a line of credit. XXXX HAMP applications = DENIED, all by XXXX XXXX XXXX. Citigroup made XXXX foreclosure attempts in XXXX yrs, all because we HAD $ $ $ equity. On XXXX/XXXX/XXXX, after 6+ year loan mod NIGHTMARE, XXXX said " a modification was n't allowed under the current Pooling Service Agreements ''. My attys repeatedly requested QWRs-NO RESPONSE. If we truly were in a financial " bind '' how 'd we pay $ XXXX/ $ XXXX/ $ XXXX in 24-48 hour periods when Citigroup demanded XXXX We had no choice, pay ( including " loaded misc fees '' ) or be " foreclosed ''. It was blackmail, but we did NOT want to lose our home!! At foreclosure my loan pymt coupon showed $ XXXX past due ( the $ XXXX payments we made still missing + $ XXXX in " OTHER '' unexplained fees ) ; we only owed $ XXXX. My house was taken illegally on XXXX/XXXX/XXXX by XXXX XXXX XXXX, WHO DID NOT EVEN OWN THE NOTE. Citigroup Global Markets gave XXXX a " loss note affidavit '' on my property XXXX/XXXX/XXXX. Our securitization audit ( SA, XXXX ) found, '' no recordation of the appropriate endorsements at the XXXX XXXX County, Virginia Land Records. The Deed of Trust & paperwork filed by Citigroup Global Markets XXXX XXXX IS N'T COMPLIANT w/the rqmt in the Pooling/Servicing Agreement. There are no dated endorsements on the copy of the PAY OPTION ARM note assoc. w/our Deed of Trust, violating the Truth in Lending Act, Sect.131 ( G ) ( SA, XXXX ), Citigroup 's " the appointment of Substitute Trustees filed by the lenders as authorized by borrower 's Deed of Trust is invalid & have been improperly filed in this case ''. Our Deed of Trust was entered in favor of XXXX ; our NOTE was entered in favor of XXXX XXXX XXXX XXXX ( note originator ). ( XXXX, XXXX ) says " if the Deed & Note ARE N'T together w/same entity, there can be no enforcement of the Note. The Deed of Trust CA N'T enforce the Note if each contains a different mortgagee. If the Deed of Trust is NOT a LEGALLY enforceable instrument, there can be NO VALID foreclosure on the Borrower 's property ''. Citigroup was never entitled to threaten foreclosures ; did n't have ownership to transfer our note to XXXX XXXX XXXX. This was done within 30 days of our final QWR demand ltr in XX/XX/XXXX, that they did NOT respond to. XXXX XXXX, pg XXXX ), " DUE TO THE HISTORY OF THIS NOTE, WE BELIEVE NOTHING SHORT OF PRODUCING THE ORIG NOTE WILL SUFFICE TO ACCURATELY CLARIFY OWNERSHIP OF NOTE & PROPER LEGAL STANDING. W/O 1ST HAVING PROPER OWNERSHIP OF DEBT, THE BANK CAN NOT INITIATE ANY COLLECTION ACTIVITY, LET ALONE FORECLOSURE ''. ( SA, XXXX ) found " THE NOTE HAS TO REFLECT A MIN. OF XXXX ENDORSEMENTS SINCE XXXX XXXX XXXX. XXXX DID N'T SELL THE LOAN DIRECTLY TO THE TRUSTEE, XXXX XXXX XXXX XXXX CO. IT FAILS TO MEET THE MIN RQMNTS OF THE POOLING/SERVICE AGREEMENT. '' Citigroup Global Markets XXXX XXXX is guilty of unethical lending practices, PURE harassment, theft of our $ $ $ & cover-up resulting in the illegal foreclosure of our dream home
|
| 01/17/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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Web |
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Complaint : Citigold checking account service denying my {$400.00} Cash Bonus On XXXX XXXX, 2015, I open a Citibank 's Citigold checking to earn {$400.00} Cash Bonus with promotion code XXXX through XXXX. The promotion requires 1 ) Open a new consumer Checking Account in The Citigold Account Package by XXXX/XXXX/2015. 2 ) Make an eligible deposit of {$50000.00} or more in new-to-Citibank ( R ) funds into their new Checking or new or existing Savings Plus account within 30 days after account opening. 3 ) Maintain a minimum of {$50000.00} for the next 30 days to receive their bonus.
I received the welcome package on XXXX XXXX, 2015 and mailed the signed signature card back to them on XXXX XXXX, 2015. On XXXX XXXX, 2015, I made a deposit of {$51000.00} into my new Checking in their XXXX XXXX branch and the deposit of {$51000.00} was soon shown in my online account page.
On XXXX XXXX, 2015 when I randomly browse my online Citi bank account, shockingly I found that the balance became XXXX on XXXX XXXX, 2015 through Teller Withdrawal, which I did not authorize. After I contacted Citibank customer service, I was informed that my account was closed by bank end department and they authorized the withdrawal and a cashier check was sent to me. I was directed to New Account Servicing for the explanation of the closing of my account. I was told that it was due to an error on my signed signature card. While identifying myself as the primary owner of the account and sign it, I accidentally checked a box for additional user and signed my name next to it. I was told because of this error, my account was closed.
I need to point out that I mailed the signed signature card on XXXX XXXX, 2015 and made the deposit on XXXX XXXX, 2015. In other words, the signed signature card should have already arrived before I made the deposit. But I was not notified any problem with my account when I made the deposit. One may debate that their New Account Servicing does not review signed signature cards that fast. I understand if it may take several more days. However, it took them 25 days to identify the error.
One may also debate that I need to wait until my signed signature card is approved before I made the deposit. Their {$400.00} promotion requires that I need to make an eligible deposit of {$50000.00} or more into my new Checking or new within 30 days after account opening. My account open on XXXX XXXX, 2015 and their identified the error on the signed signature card on XXXX XXXX, 2015, which is after 30 days. I would have missed the promotion window. In addition, in their welcome package, they did not specify I should wait until my signed signature card is approved before I made the deposit.
My point is that since the {$400.00} promotion requires 1 ) Open a new consumer Checking Account in The Citigold Account Package by XXXX/XXXX/2015. 2 ) Make an eligible deposit of {$50000.00} into their new Checking account within 30 days after account opening ; 3 ) maintain a minimum of {$50000.00} for the next 30 days to receive their bonus, I satisfied the first XXXX requirements. I do not satisfy the third requirement by 5 days because they took the liberty to close my account. This action makes me suspect that they close the account deliberately right before I satisfied the third requirement in order to avoid paying the {$400.00} cash back which I deserve. It also reminds me of the so called error that I made on the signature card. If I checked an extra box, I put my signature there, not somebody else. What problem does that constitute? Even if my error voids the signature card, they could have contacted me and send me another card to sign. How does that cause the close of the account? Even if they need to close my account, why did they keep my money so long? I also read on the internet that there are similar cases occurring with their Citi gold promotion, which make me suspect that they use this as a strategy to avoid pay {$400.00} cash back.
|
| 05/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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XX/XX/2021 Citibank XXXX XXXX XXXX XXXX XXXX, SD XXXX Account XXXX Account typeCredit Card Balance {$4800.00} Account XXXX Account typeCredit Card Balance {$8400.00} Account XXXX Account typeCredit Card Balance {$730.00} Dear Sir or Madam : I have been attempting to get my account corrected due to billing errors. As you are aware I am not responsible for unauthorized charges that exceed {$50.00}.
The bills that I have received are excessive and do not have knowledge of the amounts requested as I did not receive goods for exchange of the amount paid.
When I have made calls or contacted the company it has been a challenge as it becomes a argument around timeframes and when I contacted your credit card for the amount being charged.
I am asking for a full explanation along with written proof of purchase for the entire bill.
As a consumer I am exercising my right under thee consumer protections that are afforded to me under the Fair Credit Reporting Act.
I have sent your company a letter to address the bill and to date I have yet to receive a response. Only the demand for payment for purchases that I have not made.
This is a formal complaint which was not acknowledged by your company and I am hereby demanding that a formal investigation be reviewed into my account. I do have rights and if your company takes actions such as closing my account or restricting my account this is not only unethical but should not be done.
I have been a victim of identity theft which includes the cards that have a balance. If your company impacts my credit rating, reports me as delinquent as I found out you have it violates my FCBA rights. I am formally challenging the bill. In addition, the actions that you as my creditor have taken as I challenge my bill are discriminatory as I am exercising my rights in good faith under the FCBA.
I am demanding that as my creditor provide me in writing the corrections that will be made to my account. In addition, to crediting the account the finance charges, late fees, or other charges to the errors.
At this point the company has not investigated the charges on the card. I am asking for all relevant documents with signatures that prove that I owe the money requested because of my dispute.
If your bills are the result of the investigation I disagree with your investigation. The present status is that I dispute the amount owed and have advised the company as such. I do not appreciate the threats and position taken on my account with no response. Im demanding a immediate review so that this is resolved and corrected with the bureaus.
At this point your company has failed to follow the settlement procedure for the disputed amounts. I have advised the company in writing. It has taken more than two billing cycles to resolve the dispute and the require that the letter be acknowledged my complaint.
I have provided complaints about the quality of good and services in the past yet they also went ignored. I await your response to the proof of purchase, and advise on the problems that I advised on the quality of the goods delivered or that did not arrive.
This request is to correct the matter or I will have to ask for help from the FTC. I am being harmed and it was reflected in my credit report.
If you have concrete proof that I am responsible for this debt, mail me the documents that make you believe that. I contest that the bill of lading is correct so in the event that this matter goes forward I do have proof of letters being sent for correction. I am hereby am demanding that you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. I am hereby requesting that the credit bureau are corrected, the credit report that the debt is disputed.
I am hereby respectfully asking for this to be completed and acknowledged as it was ignored previously.
Thank you for your cooperation.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
|
| 07/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
|
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I am the victim of credit card identity theft. An unknown individual or criminal enterprise obtained access to my Citibank issued credit card number and security code by unknown means. My wife also has a credit card with the same credit card number. The credit card details had been loaded on to our family 's XXXX online e-Wallet and were accessible through our phones, laptop computers and tablet devices. It is quite possible that hackers were able to pierce internet security protocols to steal the credit card details, including security codes and chip data.
Between XX/XX/2023 and XX/XX/2023, approximately XXXX unauthorized charges were made to my account totaling an estimated amount of {$14000.00}. The bulk of these unauthorized and fraudulent charges were made in the cities of XXXX XXXX, XXXX and XXXX in XXXX XXXX XXXX XXXX, with additional charges in XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. The types of charges included auto repair, large expenditures at departments stores such as XXXX, XXXX and Best Buy, motel and gas charges, cell phone provider charges and fast food restaurants. My wife and I do not live, work or shop near these towns and had no occasion or reason to do so.
I was not alerted by Citibank, my credit card issuer, as to a potential fraud warning until XX/XX/2023, after most of the fraudulent charges had been made. I immediately checked my account online, called Citibank 's fraud hotline and identified multiple fraudulent and unauthorized transactions.
I went through every identified fraudulent and unauthorized charge with Citibank 's team. They agreed to cancel the card, issue me a new card and investigate the matter. However, on XX/XX/2023, Citibank 's security team sent me a letter claiming that there was no fraud and that the charges were payable by me. They claimed that ( a ) since the originally issued cards were in the possession of my wife and me at all times, and ( b ) the credit card 's XXXX chip was used to make the disputed transactions at a chip enabled card reader that no fraud occurred and that I am responsible for the charges.
There are clear errors in Citibanks reasoning.
First, credit card data, including security data, is frequently stolen by electronic means, and one does not need physical possession of a credit card to obtain card numbers and use that information to make unauthorized transactions. Card data are now very prone to hacking because they are stored on e-wallets and accessible from several devices, including cell phones, laptops and tablets.
Second, data obtained from XXXX chips can be cloned and used to create new cards which evade security protocols and fool merchants. Clearly, Citibanks fraud detection service was fooled as several unusual and uncommon transactions from merchants and towns that I have no history of frequenting were made before they recognized a problem with fraud.
Third, Citibank did a poor job of fraud detection. By their own admission, they did not alert me until well after almost all of the fraudulent transactions had taken place. Had they detected the activity sooner, I would not be facing such a high liability exposure. Citi cant, on the one hand, determine that certain suspicious activity constitutes fraud, cancel a card, replace it, and then, on the other hand, deny that any fraud occurred and force me to absorb the full cost for transactions that I did not authorize.
It is difficult to have confidence in the financial system when corporations behave in such a duplicitous manner.
I need the matter properly investigated and I need to be made whole. Citibank should do the right thing and issue me a full, permanent credit for the entirety of the amounts I have disputed. It would be easy for Citi to agree to reimburse me for the transactions that took place between XX/XX/2023 and XX/XX/2023 from the locations and merchants where I have no prior record of doing business. Thank you for your time and attention to this matter.
|
| 10/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
|
|
Citimortgage Loan # XXXXAfter my discussion with the Consumer Finance Protection Bureau they proposed that I submit another complaint. I felt it was necessary as a result of the response dated XXXX/XXXX/XXXX. I am writing to you with the expectation that Citimortgage will be able to assist with our credit reporting. There is a specific documented period that I am asking for relief in our credit reporting. As a result of delays beyond our control ( Section A XXXX, & XXXX ), transfer of ownership in the property ( XXXX, Section A ), and payments made in good faith ( XXXX, XXXX, & XXXX ), please correct the credit reporting ( removing the delinquency ) for the time period from XX/XX/XXXX thru XX/XX/XXXX.
I am writing to you to dispute specific periods of credit reporting. Attached are supporting documents including Filed and Recorded records from the courts. The specific periods in question are as follows:1. XX/XX/XXXX-1st payment was made on the Streamlined Modification. Attachment- # XXXX. XX/XX/XXXX- 2nd payment was made on the Streamlined Modification. Payment was returned as a result of Foreclosure. Attachment- # XXXX. XX/XX/XXXX thru XX/XX/XXXX-The property was sold on XXXX/XXXX/XXXX. After the foreclosure the property was owned by XXXX XXXX XXXX XXXX. See attached court documents-Court Filing # XXXX thru # XXXX. XX/XX/XXXX-Payment was made to get modification up to date. The payment was made for the period from XXXX XXXX thru XXXX XXXX. Attachment- # XXXXDocuments from Court Filings Filing # 1/Deed under Power of Sale XXXX Grantor : XXXX/Grantee : Citimortgage Filing # 2/Warranty Deed - Grantor : Citimortgage/Grantee : XXXX XXXX XXXX XXXX Filing XXXX XXXX Filing Foreclosure Sale Filing # 4/Court Order to Reverse Foreclosure - Grantor : Citi/FHLB Grantee : MTLSection AThis property was foreclosed on in XXXX XXXX after the first payment on Streamlined Modification was made to keep property out of foreclosure. After contacting the CFPB and the BBB, Citimortgage agreed to a rescission of the foreclosure. Here is a partial listing of pertinent events that occurred in the months immediately after the property was sold.
1. Spoke with XXXX XXXX ( XXXX XXXX XXXX Ext XXXX ) on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - Working with XXXX XXXX on rescission of foreclosure. Mentioned they are a little slow.
2. Spoke with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX - Working through steps to get loan modification. Should be finalized in 60 to 90 days. XXXX/XXXX/XXXX letter from XXXX XXXX.
3. Spoke with XXXX XXXX ( XXXX XXXX XXXX Ext. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX - Spoke to XXXX regarding a letter indicating payment terms for streamlined loan modification and to bring loan up to date. Letter dated XXXX XXXX, XXXX.
4. Spoke with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) on XXXX/XXXX/XXXX - Will issue a letter indicating payment terms for the loan modification and rescission of foreclosure.
5. Left messages for XXXX XXXX and XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Spoke with XXXX XXXX on XXXX/XXXX/XXXX and various dates over the next few months ( XXXX XXXX XXXX Ext. XXXX ) - XXXX mentioned that it was best to continue to call back to get updates.
Summary of Events : There were significant number of avoidable delays in the process to restore the property to our ownership. Based on conversations this should have been finalized by XX/XX/XXXX.
I was told by Citimortgage representatives that the Loan Modification was closed in XX/XX/XXXX. This was immediately after the property moved from XXXX XXXX to Citimortgage.
I made several attempts to make payments on the Streamlined Loan Modification. The representatives told me there was no active account to accept the payments.
There were no Incidents of ownership in the property XX/XX/XXXX to XX/XX/XXXX.
|
| 10/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
My parents have a XXXX home. I live in the home as a responsible XXXX some year old woman who pays the mortgage regularly and on time each month. My folks refinanced the home in XXXX 2015. We started the refinance payments XXXX XXXX, 2015. Two weeks ago my parents received a letter that stated that our loan was in " default ''. My mother is extremely ill and any stress puts her in the hospital. We could not understand what they were referencing. I wrote the " notice of error '' letter with the bank documentation of payments to Citimortgage. We even made the two month extra payment of {$1300.00} to cover the two months until the bank solved their problem and found our money. I called called the bank of Monday, XX/XX/XXXX, and we had a three way phone call with my poor mom. The Teller, XXXX # XXXX does confirm that they found my payments that were applied to the old mortgage number. She first told me that we were paid to date so not to worry, but I tell her yes, because we made two months extra pay and wanted to know where our XX/XX/XXXX and XX/XX/XXXX payment ( $ ) was placed? She just kept saying, I will give this to " my supervisor '', but do n't worry. Today, Thursday, XXXX XXXX, 2015, my poor parents receive some letter telling them they better pay or fill out some " hardship documents '' and to call a number on a Monday-Thursday only for XXXX-XXXX.
My mother who was very upset and struggling with the meaning, became very upset and dad was going to take her to the emergency room! I calmed her to tell her it was not a foreclosure notice, and why would we get a hardship form or any other letters concerning their " mess up ''? It is a XXXX home, they do n't have a hardship. To top off the unprofessional and disgusting manner in which Citimortgage has conducted business we never received statements for XX/XX/XXXX or XX/XX/XXXX and they charged late fees for both months. This is not the only mess in the years we have had this mortgage and new refinance with them. During the refinance in XX/XX/XXXX and XXXX, they charged my parents over {$3000.00} for fees that were not supposed to be charged based on their ads to refinance. In the past 6 months, they have returned checks to us for overpayments for the refinance. Nothing for our on time house payments they did not apply correctly. They sent my parents a file to a another client! His papers, his social, personal information, is entire identity. We called and asked if they did the same to us? They told mom to shred the papers! What kind of business is CitiMortgage?
Finally, if my mother loses her life, which hangs from the balance with XXXX, and many other medical conditions, such as her XXXX, and my father 's health is affected due to this very incompetent mess CitiMortgage, they will be dealing with an attorney. Why did we bail out the " too large to fail '' bank who ca n't manage a customer 's account, money or customer service.
I am so angry by the stupidity of their actions and the lack of prompt correction. I have asked for a letter of apology, and a record stating it was their mistake and a stop to their computer generated " hate letters ''. Their letters and lack of proper accountability is abusive. They have little accountability with customer files and money. I want resolution and I want it before they send a truck to foreclose on a house we have no issue with because they do n't coordinate account numbers in their refinancing system with an original mortgage loan from the same compan. We never refinanced out side the same bank! I have tracked XXXX different account numbers for our XXXX original loan and XXXX refinance loan, sme p they did not connect with the original. They had no problem with our XX/XX/XXXX and XX/XX/XXXX payment that went to the new account number, why XX/XX/XXXX and XX/XX/XXXX? Where is our money going?
CitiMortgage should be really concerned by their mistakes. Failure to protect a client 's good standing and another 's identity.
|
| 11/15/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
on Sunday XXXX XXXX I went to Bloomingdales in XXXX XXXX XXXX to buy a pair of leggings. While processing the transaction the Assistant asked if I had a POINTS CARD and I answered that I didnt. She strong armed me into opening the Points Card and, as she was being pleasant, I agreed while making sure that it isnt a credit card, correct? To which she replied that it wasnt.
The application for this points card seemed to be taking a long time and, again, I asked to make sure it WASNT a credit card to which she assured me it wasnt. In total I asked 4 times. She asked me to put in my details into the system, which I thought was strange, but I did it as thats what I was asked to do. A premise here is that Im from XXXX and havent lived in the US long enough to know not to give out my social for something like a points card. I saw this Assistant put zeros when prompted to input my income etc and noticed her colleagues had a strange look on their faces. In the end, she handed me a Loyalty card and I went about my day.
My credit score is in very good standing as I work hard to keep it that way, especially as were looking to buy a house. So I was shocked to see a week after this incident that my score had gone down by 22 POINTS. I didnt understand why as I had done nothing out of the ordinary and a drop of 22 points isnt normal.
A few days later the mystery was revealed. I received a letter from Bloomingdales telling me that my application for an XXXX XXXX card was declined!!
I was flabbergasted.
I called the credit department and was told that they would remove the application and contact the credit bureaus. It would be as if nothing had ever happened. She also said she would put in an official complaint.
I also called Bloomingdales in XXXX XXXX XXXX and spoke to a Manager who said she would look into the matter. The following day I received an email telling me that the Assistant who had done the transaction was new and theyd be sure to teach her the right way like this was going to be acceptable! First of all, the Assistant was DEFINITELY NOT new, so they were trying to fob me off, and secondly, this just showed me that the culture at Bloomingdales is to defraud customers and cover up for their colleagues, brushing people off if they complained.
I took time out of my life to go to the store on Saturday XXXX XXXX and asked for a senior manager of which the customer care assistants had problems finding any!! Finally, they got a regular ( i.e. not senior ) to come down. She was extremely pleasant and had heard of this incident prior to me going in. She spent the next 20-30 MINUTES trying to locate any Senior Manager she could find and finally found one who came down with an attitude. I, again, explained what happened, and this senior management staff member was extremely short and rude to me until my husband, who is American, stepped in. Im guessing the staff in this particular store dont like foreigners!
She told us she would investigate and be in touch within the week. I have heard nothing.
I also received a letter from the credit department telling me they withdrew the application but that there was nothing they could do about the credit.
This is evidently fraudulent as, if I had wanted a credit card, I wouldnt have put zeros in my income!!
So just for goiny into the store to buy something and make them money I got defrauded out of 22 points on my credit score-especially at a delicate time when Im trying to buy a house and THEY WANT TO SWEEP THIS UNDER THE RUG??? This is absolutely the most disgusting act of fraud by one of their employees to get a XXXX buck kickback for signing people onto credit cards and they, the company, stands by her and this behaviour?? So the 22 points I lost on my credit is worth her XXXX bucks?? Or rather the {$50.00} gift card they wanted to throw at me to shut me up???! Absolutely disgusting! This is FRAUD and Im reporting her and Bloomingdales for standing by this.
|
| 12/29/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I opened my accounts with Citibank, XXXX XXXX XXXX NY, since XXXX.
Further, I provided the bank with all my personal confidential information for my business and my family since XXXX, and again for KYC ( know your client ) process in XXXX, and again XXXX, and again XXXX.
Citibank closed my accounts with no responsible business justification.
The accounts were approved with Citibank and with XXXX, and I proceeded to work with Citibank and invested over XXXX XXXX USD ; I paid high commissions on many transactions including trading accounts, asset management, private Equity HH pre IPO offshore Feeder Fund II GP, ltd, IPO transactions, preferred securities.
I also produced business for Citibank by opening accounts with Citibank in New York, and Citibank in XXXX XXXX.
Citibank, in XXXX directed me into a forced and wrongful withdrawal of all my accounts including my business accounts in XXXX XXXX and New York.
Citibank has no sufficient process to safeguard client information and lacks accountability to manage adequate staffing and is incompetent and has created conflicts of interest and for clients has mismanaged policies and procedures.
I paid Citibank commissions and I had a contract which the General Partner of the feeder fund ; the General Partner was directed to discontinue its relationship and proceeded to effectively withdraw me on XX/XX/XXXX ( the Effective Date ).
Citibank was negligent, disorganized, and lacked in due diligence and in communications to properly and diligently verify my personal information ; Citibank created errors and miss managed my personal information due to deficient process with KYC and AML.
XXXX XXXX Branch Office Managers and Bankers : Internal KYC and AML and compliance should have internal notes including all emails and logged phone calls. Any claims that I was not in communication to confirm information for my account activity is a false statement and should be interpreted legally as a material misstatement and omission of information by Citibank.
I have reviewed the news that Citibank is deficient in enterprise-wide risk management, compliance risk management, data governance, and internal controls.
The Office of the Comptroller of the Currency ( OCC ) assessed a {$400.00} XXXX civil money penalty against Citibank, N.A, of XXXX XXXX, South Dakota, related to deficiencies in enterprise-wide risk management, compliance risk management, data governance, and internal controls.
The OCC took these actions based on the banks unsafe or unsound banking practices for its long-standing failure to establish effective risk management and data governance programs and internal controls I have been penalized due to the Citibank negligent business practices, negligent related deficiencies, negligent data governance, and overall negligence in lack of internal controls.
Citibank used my cash about {>= $1,000,000} USD, since XXXX. CPWM profited from my investment accounts as also Citibank retail.
I have been penalized and I have suffered personal hardship with my family and my business, and I have suffered financial losses due to errors in Citibank business practices.
I paid commissions on many transactions including trading accounts, asset management, and private Equity HH pre IPO offshore Feeder Fund II GP, ltd., IPO transactiona and preffered securities I request that Citibank reimburses me for all the commissions I paid to Citibank for all transactions for all my accounts since XXXX.
I have been sick over the hardship to my personal business, and I incurred in losses and damages in excess of XXXX usd and I have incurred medical economic losses due to my illness of XXXX USD. It has been months of high stress and hardship that Citibank caused me unnecessarily.
I have submitted to Citibank the terms of economic harm including out-of-pocket losses that resulted from the errors and violations by Citibank in effectively closing down my personal and business accounts.
Thank You
|
| 12/15/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
We initially complained to HUD and the Massachusetts Attorney General. It was recommended that we contact your organization, as they could not handle the complaint.
I am XXXX and my wife will soon be XXXX ; we both have XXXX XXXXXXXX XXXX
In XXXX XXXX we were declared bankrupt under Chapter 7. With reduced income, we tried to reduce unnecessary expenses. As part of this, we contacted the holders of our first and second mortgages. In early XXXX after a few weeks, XXXX, the holder of the first mortgage, reduced the monthly payment from {$620.00} to {$450.00}. We then contacted Citibank, holder of the home equity line of credit, seeking a loan modification of this mortgage. We had this line of credit with then since XXXX ; we always made the monthly payments on time, which ranged between {$370.00} to {$380.00}.
We first contacted Citibank about the loan modification in XXXX, XXXX. That 's when they began giving us the run-around. Though we provided all the financial and other information they requested, we could not get a clearcut response from them. Their communications were often confusing and conflicting, and XXXX of their favorite ploys was to ask for updated information since the information they were given was more then 3 months old and they would say that anything more 90 days old had to be updated.
Finally, in XXXX XXXX, a representative of Citibank contacted us, stating that we would first have to undergo a trial period of 3 months before a final decision about the loan modification amount would be made. The trial period began in XXXX XXXX. The monthly payment was {$360.00}. We awaited word, but heard nothing from them until we contacted them in late XXXX XXXX. Citibank informed us then we were not put into a trial period, as according to them we did not qualify. The person who responded to our inquiry was not the same representative we had been dealing with over the previous year. ( In fact, since we began this long loan modification adventure, we have dealt with more then 20 different representatives, most commonly they were called either homeowner support specialists or a member of the executive response unit. Most recently, in the last 2 months they have assigned two new people to work with us. ) We were told, in XXXX XXXX, that the loan payment would be {$360.00}. Some modification! They reduced our monthly payment by about $ XXXX! ( We have kept complete records of all communications with Citibank since we first sought a loan modification in XXXX XXXX ).
We have spent the last XXXX XXXX years trying to get Citibank to understand that, with our post-bankruptcy income and our fixed, essential expenses XXXX housing, medical, food, et al. ), that a reduction of monthly payment of about XXXX dollars was not fiscally realistic.
Citibank persisted in stating, despite our regular attempts to point out that a XXXX dollar reduction in monthly payments made no sense given our income and expenses and we would challenge their decision. Each time this came up, they would offer to review our situation, but, despite providing them with the detailed information they said they needed, they always came back with the same decision -- - {$360.00}.
Since we could not get them to appreciate the reality of our economic state, we used the guidelines of the FHA to determine what our monthly housing expenses should be. According to the Federal criteria, the Citibank monthly payment should be {$210.00}. So, since we could not pay the amount they requested, which exceeded our income, we have been paying them {$210.00} every month and on time. Citibank has responded by : 1. adding the $ 156 monthly difference to the amount we owe them and, 2. adding until recently, a monthly penalty of about {$22.00} for XXXX late payment ) The only change in this impasse has been their recent threats of initiating foreclosure.
WE DONT KNOW HOW TO UPLOAD..NEARLY XXXX00 PAGES OF DOCUMENTS. HUD ALREADY HAS ALL THE DOCUMENTS.
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| 05/16/2015 |
Yes |
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- Credit line increase/decrease
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Web |
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Citi Credit Card member since XXXX XXXX accounts XXXX & MastercardI have XXXX open active credit cards w/ Citi bank which I pay online. On XXXX/XXXX/XXXX, I paid the wrong account by mistake. A Visa payment of XXXX was due on XXXX/XXXX/XXXX. I paid the Mastercard account XXXX on XXXX/XXXX/XXXX ( MC minimum payment showed {$95.00} ). On XXXX/XXXX/XXXX, I received emailed statement for Visa, I saw past due status and contacted Citi customer service to advise of the mistaken misapplied payment. Agent promptly assisted me and processed payment reversal and stated it would bring my account current. Agent also reversed late fee of XXXX billed XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, received XXXX email notifications of credit line decrease for both Citi Visa and MC accounts. Citi decreased my Visa credit line ~ {$500.00} & MC ~ {$700.00} leaving me {$0.00} for open credit. Shocked by this negative action on my accounts I reviewed the Visa online saw past due of XXXX which I immediately paid. Thought Visa was current per the Citi agent who agreed to process fee reversal on XXXX stating he could reverse late fee since it was now current. On XXXX, I called Cit to request reinstatement Visa and MC credit lines. Spoke w/ credit dept, had to provide an to my update income ( XXXX annually ) and was told no barley missed the ratio ( ratio? Citi proprietary info ). Received letter from Cit shows reason for credit line increase decline debt balances too high for income. On XXXX, received paper statement saw I was assessed Risk Based Repriced APR of 29.99 %. On XXXX called Citi, escalated call to management explained that within 4 days of being past due XXXX time, due to PAYING the wrong account in ERROR, Citi took adverse action and decreased my credit lines by ~ {$1200.00} and increased my Visa APR on to 29.99 %. Reducing Mastercard credit line by {$700.00} when MC has perfect credit performance for life of account. Agent took action apologized for such abrasive treatment and reversed the RBR to the original APR, extended me an APR decrease incentive down to XXXX for 6mths on existing balances and new purchases. I initially declined and requested my credit lines reinstated as this was XXXX mistake and I am am human. I am requesting reinstatement of credit lines because w/ this NEW credit limit to balance ratio it will negatively impact my credit bureau profile. He offered to review account for XXXX if I agreed to a XXXX pull. ( hard credit hit, another negative impact to my XXXX profile. I was notifed on XXXX by Citi letter XXXX was declined because XXXX of my Citi accounts was past due. That is incorrect, accounts were current as of XXXX/XXXX/XXXX ). Mastercard credit line was n't reviewed at anytime for reinstatement. Agent then offered again lower APR promo & stated on new purchases.. I said I CA N'T PURCHASE! Citi took that away. He then offered to give me XXXX Citi Thank You points. I accepted stating again, all I wanted was for my credit lines to be reinstated. I have maintained impeccable credit since XXXX w/ absolutely XXXX missed payments with any lender. I have maintained such credit to hopefully allow for human error. I made XXXX MISTAKE by PAYING the wrong Citi account. I have maintained up till this XXXX error perfect credit performance with both of my Citi credit card accounts. Thought Credit Card Act of XXXX was to protect responsible consumers from this kind of abuse. Banks taking egregious actions on responsible card holders who make XXXX payment error. All I ask is that my Citi Visa and Mastercard account credit limits be reinstated to the {$5000.00} ( each ). Citi has inconsistent lending criteria. Which I feel is a violation for the Fair Lending Act. How I can be approved for an APR reduction promotion for new purchases and existing balances, but because I have too much debt, I am too risky of a card member with Citi Bank and requires them to decrease my credit lines? Please resolve in my favor. Thank you
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| 02/06/2023 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX, I received an email from Citi XXXX XXXX XXXX with an offer to earn up to a {$300.00} bonus if I met the following criteria : " Open a Citi XXXX XXXX XXXX XXXXXXXX and make the required minimum deposit within 20 days of opening your account and maintain the required minimum balance for an additional 60 consecutive days. '' ( {$300.00} bonus if the account was opened prior to XX/XX/XXXX and I maintained a balance of {$30000.00} or more ; the bonus was {$100.00} for balances less than this over {$10000.00} ).
The e-mail explicitly stated that ANY Citi XXXX XXXX Account was eligible for this promotion - " Certain Savings Accounts are eligible for the Citi XXXX XXXX XXXX XXXX XXXX. Any Citi XXXX XXXX Account opened during the Offer Period that you continue to own until the end of the Maintenance Period in the Access Account Package can qualify for the Citi XXXX XXXX XXXX XXXX XXXX. '' I used the link directly in the email to open a new Citi XXXX XXXX Account XX/XX/XXXX.
I make a deposit of {$30000.00} in New-to-Citibank Funds, in XXXX Citi XXXX XXXX Account balance on XX/XX/XXXX ( within the required 20 days of opening the Account ).
I maintained the {$30000.00} balance in the Account until XX/XX/XXXX ( beyond the required 60 consecutive calendar days after the XXXX day from the date that the Minimum Deposit was met.
My Citi XXXX XXXX Account and my Citi XXXX XXXX credit card account remained open and in good standing from the time the Citi XXXX XXXX Account was opened I contacted customer service in XXXX ( before I took any money out of the Savings Account ) to make sure that I had met the requirements to receive the bonus BEFORE I removed any funds from the account. The representative I spoke with confirmed that I met the criteria and that my Bonus was supposed to be paid to my Savings Account by XX/XX/XXXX ( within 90 days after I successfully completed all required activities ).
On XX/XX/XXXX, I contacted customer service via online chat to ask about the bonus. The representative confirmed that I met the criteria to receive the bonus, but since the bonus was not " due '' until that day, they asked me to wait in case the bonus posted that day and to follow up the next day ( XX/XX/XXXX ) if the bonus did not post to my account.
Since the bonus did not post, I contacted customer service via chat again on XX/XX/XXXX and they opened a case to investigate the missing bonus ( case ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I did not receive any correspondence or follow up, so I again contacted customer service on XX/XX/XXXX. They escalated the case and advised me to reach out again if I did not receive a response within 14 days.
On XX/XX/XXXX, I received a letter from Citi entitled " Our Research Results '' that indicated " Unfortunately, your account does not qualify for this promotion because the Basic Banking package is not eligible for this promotion. '' I did not open a " Basic Banking '' savings account. I opened a Citi XXXX XXXX Account using the direct link that was provided in the original targeted offer email. I don't see any distinction on my account that says my savings account is a " basic '' account, and the account description online and in my app say it is a Citi XXXX XXXX Account. Additionally, the offer email indicated that ANY Citi XXXX XXXX Account was eligible for this promotion.
Both times that I spoke with the representatives ( in XX/XX/XXXX and on XX/XX/XXXX ), they confirmed that I had met the requirements to qualify for this promotion. The interest rate on this account is substantially lower than my other savings accounts, so I lost out on valuable interest because of this " bait and switch '' tactic and even after confirming that I was eligible, Citi did not honor it's promotion.
I would like to receive the bonus that I was offered ( and earned ) of {$300.00}.
Thank you for your assistance with this matter and have a great day!
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| 08/29/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Older American |
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Citi Claim XXXX XXXX XXXX Citibank - Claim # XXXX New Jersey State Police - Case # XXXX FBI IC3 form filed On XX/XX/2022, I received an alert followed by a telephone call from XXXX who identified himself as a Citibank employee, stating that my checking account had been compromised. Someone had tried to use my debit card at a XXXX in XXXX, Georgia. I said I had not used my card in XXXX Georgia. XXXX said the charge was flagged because of suspicious activity. It was denied and no funds were charged to my account. XXXX then said he needed to check to make sure nothing else on my account was compromised. He sent XXXX codes to my text account to verify that it was my account. After being placed on hold, he then told that there had been a wire transfer of {$9200.00} from my account. I did not initiate or authorize a wire transfer. I asked him to freeze my account and block my debit card. XXXX said he did and the funds would be returned to my account. He would expedite the sending of a replacement card the next day.
I went into my account and found that it was not blocked and the amount of {$9200.00} was gone from my savings account. I immediately changed my password and PIN.
The next monrning I checked my accounts and saw that my money had not been returned. I called Citibank and the agent whose name I didnt get, blocked my card and froze my accounts. He said that fraud had been committed and I had to call Citis fraud division to report it right away. After long waiting times, I spoke to a wire fraud supervisor who said an investigator would be assigned to get the money back from a bank called XXXX XXXX and XXXX. I was told to call back in several days to find out the status of the investigation. I called and spoke with an agent named XXXX who said it was still under investigation. I went back into my account and saw a XXXX XXXX XXXX XXXX XXXX ) was listed as a payee. I immediately deleted this individual from my account. I have never heard of this person nor did I ever authorize any such person.
Several days later while driving in my car, I received a call from a Citi investigator but it was a very poor connection. I tried to understand him but I believe we did not understand each other when describing the events. I could hardly understand him or his questions, but answered what I could.
He ended by saying that a letter would be sent to me within 5 days explaining status of the investigation.
The letter arrived on the XX/XX/XXXX saying that my claim was denied. I called Citibank again and a XXXX XXXX, very rudely said that nothing could be done. However, he said he would transfer me to Incidents. I spoke to a agent named XXXX. XXXX said she was filing an appeal on my behalf. I received another call, XX/XX/XXXX. A Citi investigator told me that I needed to file an affidavit with Citibank which is what I did XX/XX/XXXX with XXXX at the XXXX XXXX XXXX in XXXX XXXX.
I have utilized all the security settings and devices Citibank provides to safeguard my accounts. I have been a loyal customer of Citibank for 30 years. At no time did I provide PIN numbers or passwords to this person who said his name was XXXX. I have never authorized anyone to take money from any account.
I have since received an answer from Citibank- it is an identical copy to the first denial by Citibank. It is XX/XX/XXXX. When calling for status they said that it was pending approval - this has taken 2 months to get to this point. The same individual reviewed the appeal and gave the identical response.
It looks over 8 hours to get through to fraud division over the phone after this occurred. I had asked for a swift recall but it was too late. I have notified the XXXX XXXX XXXX XXXX but they could not identify the account since only the last 4 digits of the account are seen. I have called the banking commission of Tennessee, and am waiting a response from the Federal Reserve of the XXXX XXXX who was notified by the banking commission.
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| 11/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I am a victim of XXXX scam. I received a text and a phone call on XX/XX/XXXX, XXXX ( XXXX XXXX ) from a scammer posing to be a citibank XXXX claiming to help dispute an unauthorized charge on my checking account. It resulted in opening 2 new checking account and getting unauthorized approval for a personal loan of {$7800.00} ( I received citibank emails confirming these processed within minutes ) which then the scammer transferred the entire loan amount and about {$1900.00} of my personal fund from those checking accounts to another account via XXXX transfer resulting around {$10000.00} of transfer. The loan was approved on XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and shows up on my online banking as " ADJUSTMENTS '' transaction type. I will file multiple separate report regarding each XXXX transfer that is recorded on my banking statement. After realizing the fraud/scam/breach, I started contacting Citibank customer service around XXXX ( XXXX XXXX ) and informed the bank of the situation. I was working with " XXXX '' from " unsecured lending account department '' which she relayed the info and transferred me to " security department. '' XXXX made a comment that usually the approved loan amount does not get processed for 1-3 business days and transferred my phone call to " security department ''. The representative from this department processed " blocking '' of all citibank checking accounts and loan accounts under my name, and informed me that the " investigation department '' will contact me for further guidance. I asked multiple times that since " all the charges that were made on this day XX/XX/XXXX are result of fraudulent process and it is shown as PENDING on the bank account '', if they can reverse or cancel the XXXX or loan process charges made this day. They informed me that the while the account is " blocked '' that would prevent those accounts from further transactions, but they will keep the account for the investigation team to collect information from. The call between citibank and myself lasted XXXX. After quickly leaving my work and preparing myself for further follow-up actions, I contacted Citibank again XXXX XXXX ( XXXX XXXX XXXX at home to verify and inquire more about what I can do. The XXXX XXXX of phone call with the Citibank representative repeated the same information informing me to wait for the investigation team to contact me back, and that they have block all related accounts under my name. They also recommended me to open a new checking account so that the refund money can be easily transferred back to me when the dispute is settled which I complied to. I asked them how can I be sure of that the process/action has been made, and the representative informed me that I would be getting the communication via my email or mail. At XXXX, without the mentioned confirmation email of the action against this fraud report sent to me ( I did received an email from Citibank for opening up my new account though ), I contacted the customer service again to verify and to request a written/documented confirmation of the events of this day. The representative repeated the same information mentioned above saying that all accounts are blocked and I should wait for their team to contact me back. I am reporting that I have NOT received any follow up email from Citibank regarding this fraud that I am experiencing. My online banking is " locked '' from laptop access, but I can still access it from my smartphone and I will report individual charges to CFPB as recommended from the website. Please contact me for any information or recommended actions that I can take from my side. I am also informing you that I've submitted the same report under Complaint number : XXXX last night, but was concerned that I've put in " Citibank '' XXXX of " Citibank NA XXXX and apologize in advance for the inconvenience. I am doing everything I can from my side as this is an urgent matter. Thank you.
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| 08/31/2015 |
Yes |
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Web |
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1 ) I applied for a Citi Thank You XXXX card on XXXX/XXXX/15 and was approved. The sign-up offer was as follows : '' Bonus Points. You will receive XXXX bonus ThankYou ( R ) Points after {$3000.00} in purchases are made with your card within XXXX months of account opening. " 2 ) I know from Citi that a XXXX-day grace period is given to attain to complete the minimum required spending to account for the time the credit card mail service may take. Consequently, my deadline to complete the challenge is XXXX/XXXX/15.
3 ) On XXXX/XXXX/15 I noticed there was a better public sign-up offer from Citi for the same product Citi Thank You Premier I had applied for. The public offer was for XXXX Thank You points upon meeting {$3500.00} in XXXX months. I attach a screenshot of the public offer and url.
4 ) On XXXX/XXXX/15 I sent a secure message to Citi requesting to match my sign-up offer for XXXX Thank you points after {$3000.00} in XXXX months to the better public offer of XXXX Thank you points after completing {$3500.00} in XXXX months.
5 ) I received a denial to my request from Citi arguing that the time I had to be matched to a better offer had elapsed. Citi 's response is as follows : '' Unfortunately, the time frame to dispute your enrollment in a different online offer has elapsed and we are unable to apply the new account offer you mentioned to your existing account. " 6 ) I replied to Citi 's message advising Citi that my challenge to complete the {$3000.00} spending and receive XXXX Thank You points was still open until the first days of XXXX ( XXXX/XXXX/15 ). I then requested again to be matched or else be given the XXXX Thank You points difference as a gesture of goodwill for the inconvenience.
7 ) My new request was denied again. Citi 's response was exactly the same : '' Unfortunately, the time frame to dispute your enrollment in a different online offer has elapsed and we are unable to apply the new account offer you mentioned to your existing account. " 8 ) I have decided to submit this complaint to the CFPB because of the following : a ) I find Citi is being unfair denying my request as my challenge was still open at the time of my request ( XXXX/XXXX/15 ) until XXXX/XXXX/15.
b ) Please note Citi 's " black-box '' strategy of denying a request stating that " the time had elapsed '' and not stating the time. In my opinion, this response shows lack of transparency as the time considered by Citi to deny my request is not specified. It seems to be an -on-the-shelf response ready to arbitrarily deny requests of consumers without any good reason.
c ) Please note that Citi does not include any clause linked to the sign-up bonus offers on landing page of applications stating that there is a certain time to request to be matched to a better public offer for the same product. There is not either a clause specifying that Citi will not match applicants to a better offer for the same product.
d ) Citi is then omitting this information. By omitting this information, I understand that as long as my challenge to complete the threshold spending is open ( XXXX days grace period ), if there is a better public offer for the same product, I am eligible to be matched. After all, common sense dictates that. You have an open challenge, it has not expired and a better offer shows up for the same challenge. Does not it make sense to upgrade the challenge to the better one? It seems to me to be a fair practice, considering that Citi omits any information on the contrary.
e ) If Citi would like to enforce a different time, I think Citi should make it explicit in every application and sign-up bonus offer. If not, common sense dictates the time to be considered is the time the challenge is open ( XXXX days grace period ).
f ) In view of the above, I kindly request Citi to match me to the better offer and deposit me XXXX Thank You points as I have already completed {$4200.00}, exceeding the XXXX threshold target.
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| 12/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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Synopsis : XXXX says they sent Citibank {$3400.00} for a balance transfer so XXXX can not address my complaint until Citibank sends the money back Citibank says XXXX never sent a balance transfer and they can not look for it to determine where the balance transfer actually went Both companies say that I owe them {$3400.00} and that I should just pay them more money until I can figure out a way to work it out.
XXXX : Balance transfer from Citibank to XXXX requested and approved on or around XXXX ( This would have almost completely XXXX out my Citibank balance ) Balance Transfer of {$3400.00} added to XXXX balance on XXXX statement Both companies say that I owe them {$3400.00}, which means that my debt of {$3400.00} has grown to {$6800.00}, not including the {$500.00} in interest fees that have racked up on my CITI account, and the XXXX points that my credit score has dropped. Both companies tell me to continue paying monthly notes and wait another 30 days to confirm that the transfer has not been completed.
No one will help me so I stopped paying Citibank after discussing the problem with multiple collections agents, who state that they can not transfer me to anyone else untiI pay my past due balance, even though other collections agents have transferred me to the complaint resolution department, where I have been told that either ( 1 ) they have submitted a form that will clear it up ( apparently this is not the case ), or 2 ) no one at whichever company I am speaking to can help me, because the other company has to initiate the response.
XXXX XXXX Multiple contacts with both companies have yielded no results XXXX stated that the balance transfer was complete and that Citibank would have to follow up with XXXX to resolve Next call : Citibank stated that they never received the balance transfer and they can not look for it without the transfer number, which is a number that only XXXX can provideI hav. e requested any documentation of funds paid from XXXX XXXX XXXX several times and have been told that they can not send information.
I have requested to speak with the Executive Office at Citibank multiple times but I can not get in touch with anyone. Citibank calls me 4 times a day, every day, for two months, now it is down to 2-4 times a day. I think they are going to just close my account rather than transferring me to anyone outside of collections. I keep waiting the extra 30 days for the balance transfer to complete ( as directed ), but I am not sending them more money. I typically spend 45 minutes to an hour on the phone, to then be told to call back and ask for a manager, or that a manager will call me back. A XXXX Supervisor called me back one time. Unfortunately I have to do work while I am at work, and I was unable to reach anyone who could assist when I called back.
After three months of receiving 4+ collections calls every day ( I stopped answering, which has to be the intention behind the calls ), Citibank granted a temporary credit of {$3400.00} to the account, pending documentation of the payment from XXXX. Citibank has since rescinded the temporary credit, so that this unsuccessful balance transfer to XXXX has increased the original debt of {$3400.00} to a total of {$7300.00} ( {$3400.00} + {$3400.00} + ~ {$500.00} interest to citibank ) and over a hundred points on my XXXX score.
Different agents from XXXX have stated that they do not know how to send this information, that they do not have this information, that Citibank has already accepted the money, that the money was applied to the wrong account and Citibank has to send the money back, and that they can not find it ( A typical call at XXXX cycles me through three agents that can not help me for about an hour ). I would like to note that even though they have not helped me at all, at least XXXX agents are courteous, and I do believe they would have helped me if the resources to do so had been available to them.
|
| 12/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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LOAN APPLICANTS INFO : Married couple, age XXXX ( XXXX XXXX for the previous four years ) and age XXXX ( XXXX XXXX for the previous one year Covid related severance ).
Seeking to purchase a new primary home and accompanying mortgage.
Jointly own their home without mortgage.
No debt, with the exception of credit cards. Credit rating > 700.
At the time of the loan request, the Loan Applicants were subsiding on two pensions, one annuity, XXXX income, Health Savings Account reimbursements, investment income and savings.
Other outstanding income streams not yet started include : one pension, one annuity, two social security benefits, and collective IRA XXXX which would alone eclipse the debt service for the potential loan.
RESOLUTION BASIS & BACKGROUND : 1. Citibank provided a congratulations letter to the Loan Applicants with conditional approval on XXXX XXXX.
2. Loan Applicants ( joint ) paid {$850.00} to Citibank for the loan creation fee on XX/XX/XXXX.
3. Subsequently, the Loan Applicants jointly submitted copious documents to substantiate financial status as related when obtaining the conditional approval.
4. On XX/XX/XXXX, Citibank Loan Processor requested five additional documents which were provided by the Applicants.
5. On XX/XX/XXXX Citibank provided a Statement of Credit Denial stating that the loan was denied due to insufficient income for total obligations ; and, unable to verify income.
6. After multiple appeals for re-consideration, On XX/XX/XXXX, Citibank Mortgage Representative reported that Citibank would no longer evaluate our Loan Request and at which time the Loan Request process was terminated.
PRIMARY CLAIM BASIS : Loan Applicants paid for a service ( creation of a loan ) but the provider ( Citibank ) did not create a loan. The loan was rejected because of Citibanks inability to properly structure the loan. The failure by the Underwriter, caused additional XXXX XXXX and added expense by the Loan Applicants. Requesting Citibank to refund Loan Applicants {$850.00} for services not performed seems to be reasonable.
Citibank ( service provider ) did not treat the Loan Applicants ( consumers ) fairly by lacking the necessary training, knowledge, and corporate governance to properly evaluate the Loan Applicants financial attributes and structure an Asset Dissipation Underwriting ( XXXX ) mortgage. XXXX - XXXX XXXX XXXX | XX/XX/XXXX.
XXXX XXXX XXXXXXXX Additional Considerations : Loan Applicants would put 39 % down on the purchase of the home.
The final loan application was 11 % less than the original loan request amount referenced in the conditional approval.
By XX/XX/XXXX, Citibank ceased to consider the loan application, after several appeals by the Loan Applicants.
o One appeal reviewing overall ( current and future ) income streams.
o Second appeal outlined Applicants wealth.
As part of creating the loan, Citibank offered an inducement to lower the APR % based upon the amount of wealth transferred to Citibank products. In seeking to lower the APR %, the Loan Applicants transferred liquid assets from XXXX and XXXX XXXX accounts into Citibank savings, checking and Wealth Management accounts amounting to 6X the TOTAL loan amount. The amount of funds residing in Citibank savings and checking accounts amounted to over two years of mortgage payments. Note - the Loan Applicants have other wealth that was not transferred. Additional cash ( > 1X the loan amount ) was created from the sale of their primary home on XX/XX/XXXX.
Complied with all requests for information, including many financial documents that were not originally invoked as part of the original loan applicants disclosure of wealth supplied at the time Citibank offered the conditional approval.
Loan Applicants obtained a correctly underwritten mortgage without issues via an independent lender and purchased the planned home on XX/XX/XXXX. Subsequently, this mortgage was sold to XXXX XXXX on XX/XX/XXXX.
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| 09/15/2015 |
Yes |
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Web |
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After my household income situation had changed, I began calling XXXX to explainthat I could no longer send them over {$300.00} each month to pay down my bill, and that I would need them to consider some sort of interest reduction, or somehow reduse the minimum monthly payment due because I was now living on a monthly budget of only {$730.00} from SSI. After several months of struggling to make the payments, I was finally enrolled into a " Pay Down Program! '' What I later found out, is that the lady who 'd enrolled me into the program had lied to me! As a result of her lie, or " misinformation, '' I incurred a {$1200.00} interest fee! As this woman was taking my information to put me in the program, I 'd told her that my first purchase on that card was on an 18month payoff promotion, and that it was almost paid off. The original purchase was for a {$1500.00} television, but that I only owed {$400.00} at that point, and that there was still a few month left to pay it off and that I 'd like to pay that off first because I did n't want that payment to eventually " balloon! '' This woman insisted that I would not be able to get into the program " without '' a promotional balance on my account. Well, I certainly could n't continue to send almost half of my XXXX check to them each month, so what could I do? She said that there was just no way that she could put me in the program, and that all of those ballooned charges would be included in my monthly payments. It was all so despicable! As a customer, who did n't file bankruptcy, who did n't just ignore the bills, but who instead, is on the phone for months trying to take responsibility for the debt I 'd created, I was horrified to find that the company I 'd decided to trust with my credit would behave this way! One woman I 'd spoken with as I was trying to find out about help, transferred me to another woman who swore up and down that she did n't know of any programs like the ones I 'd told her that the previous woman had told me about, and then after about five minutes of playing dumb, she finally admits that she works in the frekkin ' department I 'd been asking about! I could n't believe it! She was actually trying to " hide '' the information! And no, she did n't put me into the program! I was n't able to get into the program until months later, and then that 's when I was lied to - and then hit with that {$1200.00} bill! I 've already called and requested that they pull that phone call, as I understand that they are all recorded. They called me back and told me that that phone call was " unavailable '' and that unfortunately, they would not be able to remove that charge from my account! Well, I told them that in that case, I would certainly be talking to someone else who possibly can! They should not be allowed to get away with doing something like that! Please help! I have allowed this company, as part of the agreement, to auto debit my account {$150.00} each month for 58 months - and then I find out that I was lied to by the agent! I had been calling in for months, asking for some assistance from them until one day, I quit! I did n't send in my payment! I 'd never missed a payment. Never been late - but I was done! A couple weeks later, I 'd decided to pick up the phone again, and try again to get some help. I did n't want to let this thing destroy everything I 'd spent years to build. I was eventually put into that program at some point later! To my surprise and horror, I later found out, that because I 'd missed that ONE payment, XXXX had slapped on hundreds of dollars in late fees and penalties! My credit limit was only around {$7000.00}, but because of " their '' activities, my starting balance when they finally put me into the program, was over {$7600.00}! I 've been paying {$150.00} each month since XXXX - and I still have a balance of {$6500.00}!!!? I need your help CFPB! This company should not be allowed to abuse the consumers like this!
|
| 01/10/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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|
XX/XX/XXXX Dear Madam or Sir, Two issues : 1. After XX/XX/XXXX, Citibank - MasterCard chose to Not renew my XXXX XXXX Miles Up XXXX XXXX in XXXX. I received No email, postal mail or phone call to this effect from Citi MasterCard. When I called around XX/XX/XXXX, one of the Citi MC overseas customer representatives told me that my Card was not renewed owing to the high / maximum balance I was carrying on the card. While I was indignant at Citi 's decision, I chose not to contest it at the time even though I was making the minimum required monthly payments and had not turned delinquent at any time for more than one month. Late last year / month in XXXX, I vigorously challenged Citi MC customer service as to why in the online portal, my account says I have available credit of whatever many dollars available when my card itself was Not reissued to me after XX/XX/XXXX - See attached screenshot document!
To me the above is unethical, unfair as it misled me into attempting to charge certain expenses online ( but the credit card would get rejected within the system ).
Had some embarrassing situations along the way for no fault of mine.
Citi MasterCard owes me meaningful multiple Credits for the above mismanagement and stresses/ loss of face on business & social occasions caused to me when attempting to pay with my now ex-Card in XXXX and XX/XX/XXXX.
2 Since XXXX ( XXXX ) I have been XXXX ( my home is in XXXX - XXXX, VA ) tending to everything healthcare and home related, on behalf of my aged parents who are now XXXX and XXXX. My father is ailing with XXXX XXXX and my mother is ailing with an XXXX XXXX that has XXXX XXXX XXXX XXXX useless for now.
Being an only child, I have been stuck XXXX for almost three months and having to handle all medical issues, coordinate medical purchases and XXXX XXXX and XXXX for both parents. This has upended everything all-around for me since coordinating medical and home matters for XXXX XXXX parents simultaneously is a Full-Time Unpaid job per se.
My business in the US has been put on hold until XXXX or XXXX at least. That is my only active source of income.
Therefore, I attempted to reach Citicard MasterCard multiple times since XXXX but even though I am roaming on my XXXX XXXX phone, I could not get through any time to a humanoid customer representative - Their AI based automated response system seems set up to pre-empt customer calls.
I appreciate that Citicard also has been attempting to reach me but when I pick up the call goes dead on the calling end I believe.
A few hours ago I finally got through on a return call attempt on Citi 's XXXX phone number. First spoke with XXXX and articulated my emergent and on-going parental care related hardship that is consuming my time completely. I asked to close out my credit card formally along with a low monthly payment extended debt repayment plan..
At my asking XXXX transferred me to an Account Management rep. name XXXX. As I was answering XXXX 's questions aimed at determining my hardship based monthly payment, I stopped hearing XXXX 's voice. After 3 to 4 minutes I had no choice but to hand up.
In the meantime, my account keeps getting hit by new fees / late charges and add-on penalties at a time in my life when I can ill afford such chaotic discourse..
Request Citi Cards to Immediately call me after XXXX XXXX XXXX XXXX and until XXXX XXXX EST on my mobile number XXXX and / or Email me to pratshere @ XXXX XXXX I urgently need to be on a placed on a cancelled credit card debt Repayment plan for As Low An Interest Rate as possible..
At this point I want to simply Close my Citi MasterCard ending in XXXX and pay off the $ XXXX balance over 5 years with an option of partial or early repayment of the principal amount or any fraction thereof.
Can Citi Card extend me the courtesy at least of a LOWEST interest rate repayment plan with first payment due in XXXX?
Many thanks, sincerely, XXXX XXXX
|
| 11/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made a purchase in the amount of {$480.00} on a sports apparel website, XXXX XXXX XXXX on my Citi Double Cash Back MasterCard on XX/XX/2019. I was immediately texted and emailed by the Citi Fraud department of fraud for my credit card. The text said : XXXX - XXXX XXXX Free Msg Citi Fraud Dept : Card XXXX. Did you attempt {$480.00} at SP * XXXX XXXX XXXX on XXXX? Yes=1, No=2 or call XXXX. Case XXXX. Reply STOP to Opt-Out XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX Free Msg : Thanks. Please reprocess your charge. Your card is ready to use. Other questions? Contact Citi Customer Service at XXXX. Reply STOP to Opt-Out I selected that I knew the purchase and was instructed to Please reprocess your charge. Your card is ready to use. from Citi Fraud.
I then went back on XXXX XXXX XXXX website and created another other. An order of {$580.00}, XXXX, on the same date XX/XX/2019.
Citi let BOTH charges of {$480.00} and {$580.00} go through, even though it clearly told me to go and reprocess the order of {$480.00}.
I contacted the Citi Fraud Team, as they were the department who notified me AND contacted me. I inquired why they let this charge go through. They could not answer me. I filed a dispute of the charge with them. The disputed is dated XX/XX/2019 in their system.
On XX/XX/2019 Citi uploaded documents from the merchant saying I did indeed make the purchase.
On XX/XX/2019 Citi sided with the merchant and provided a letter : " We have reviewed the information you provided regarding your dispute.
Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. If you are unable to provide this, you will need to seek other means to obtain credit.
We regret that we are unable to assist you in this matter. '' I provided more documentation, along with the text messages and emails from the Citi Fraud Team directly telling me to go 'reprocess the order ' along with a detailed letter of the step by step process of what went on, along with emails from the merchant. The merchant has not given me product and has refused to give me my money back as well.
Citi again sided with the merchant after processing my documents, with a letter on XX/XX/2019 saying " We may be able to assist you if you provide us with a documentation showing the merchant agreed to credit your account. If you are unable to provide this, you will need to seek other means to obtain credit.
We now consider this investigation complete. '' From here, I provided Citi with documentation ( an email from the merchant owner ) who stated that me marked the {$480.00} order # XXXX as a 'do not ship due to duplicate ' He never agreed to refund me the money nor ship my items.
The owners email said as follows : " order XXXX Inbox x XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to me This order was requested no shipment because it was a duplicate. You did a credit card chargeback. Our evidence submitted shows no tracking because there was nothing shipped on this order. Your other order will be fulfilled soon. " On XX/XX/2019 Citi again still sided with the Merchant with the follow letter : " Since the merchant is willing to send the merchandise and work with you towards a final resolution, we are unable to require the merchant to issue credit. Our investigation remains closed. '' The merchant NEVER agreed to send me the merchandise nor agreed to refund my money. Citi is not reading the email correctly.
I would not be in the position of being charged {$480.00} for an order I went and reprocessed, if it had not been for Citi Fraud Department clearly instructing me on XX/XX/2019 to REPROCESS my order.
Citi is at fault and needs to credit back the money they charged on my credit card. The merchant has not and will not ship the items and clearly has stated that in the email send on XX/XX/2019. Citi let a charge of {$480.00} go through onto my credit card, even though they said I should REPROCESS that order.
|
| 03/15/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
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|
Web |
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Last year, Citicard put my life at risk, shutting off my credit card due to " fraud '' as I was driving on a winter night, on a XXXX highway. I was in XXXX briefly, with no cell service. I could n't charge gas or a hotel. Almost back to the U.S., I had no XXXX money left. My car ran out of gas in freezing weather. I could 've been killed alone on the highway at night. Then on XXXX XXXX, Citi declined a {$130.00} charge " due to fraud. '' I tried the charge 4 times, humiliated, not knowing Citi had arbitrarily decided the purchase, which I 'd made before, was n't within my " normal spending pattern. '' Another time, Citi declined my concert ticket purchase. I 'd gotten a front row seat. By the time Citi " allowed '' me to buy, I had a last-row seat. Today, I again received a robo-call from Citi, telling me they 'd shut off my card. It questioned my XXXX XXXX {$130.00} charge, which they 'd previously resolved. No option to speak to a human, only " yes '' or " no '' buttons. I called back. A different version of the XXXX XXXX {$130.00} " fraud '' recording. Finally, I got to a human, apparently in XXXX. Could n't understand the accent, asked for a U.S. representative, put on hold, cell died, called from landline, again the {$130.00} recording, then another agent I could n't understand ( I spent 36 years as an international pilot, so my understanding of foreign accents is reasonably good. ) Finally transferred to the U.S., eventually reached a U.S. supervisor. Over the nearly XXXX hours I 'd been trying to communicate, I 'd come to understand that their robo call was in error. They 'd intended to call me about a charge made today, from a XXXX gas station. Home all day near XXXX, I had n't made that charge. I was angry with Citi after they 'd put my life at risk in XXXX, still I persisted in trying to explain the situation to the U.S. supervisor. From the start, he refused to let me talk, but it was clear that he had no idea what had happened. He would n't listen, though, and told me to choose : either I stop speaking or the call would be over. After two hours, I chose " over. '' I called XXXX XXXX XXXX XXXX ( it 's a XXXX card ) and suggested they get a new card company. They listened, understood my concern, and sent my complaint to their management -- genuine customer service. I pay {$95.00} for my card, but Citi keeps shutting it off due to " fraud '' when nearly always, I 'm the one who 's made the charges. Citi is paid to run a credit card business, but I believe they are n't competent enough to provide that service on a dependable basis. Today, someone did make a fraudulent charge, but I 'm an XXXX ; I know security. I had n't lost my card or let anyone overhear my number. Citi clearly does n't have a system capable of protecting my card. That is n't my fault, but I have to spend days changing my card number with auto-paid merchants, on travel reservations, etc., and being without a card. In short, I pay for a service that causes me to be humiliated, to lose front-row concert seats, even to have my life put at risk. I 'm a long-time Citicard customer. Even their managers do nothing but parrot " rules. '' Their business seems out of control. If I have n't lost or misused my card or number, then it 's not enough that they do n't charge me for purchases I do n't make. Anyone late paying, they fine, but when, continually, their system does n't work, they inconvenience me, even put my life at risk, and do n't compensate me. Citicard, I believe, is n't competent to run a credit card business but should be put out of business. I 'm sure they wo n't be, but due to incompetence, their paranoia has gotten out of hand, putting customers at risk. I think people, not robots, should make/answer Citi fraud calls, Citi agents should take customer service training -- maybe from XXXX -- and each time Citi shuts off a card and/or declines a purchase for what is NOT fraud, they should compensate the card holder
|
| 08/08/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
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|
Web |
Older American |
|
I have had a first mortgage with CITIBANK since XXXX XXXX, there have Never been late payments or any issues with this loan. Recently, we locked in a 2.75 % rate with Citibank for a Refi of the same property. As mentioned no late payments ever and perfect credit record and over XXXX XXXX score for both my wife and I. We already got approved in XXXX XXXX for a HELO loan on this same property by CITIBANK.
This loan is approximately a 35 % Loan to Value of property loan based on their last year 's appraisal, so minimal risk to the bank. We have owned the property for 12 years.
The lock in period expires on XXXX and there have been no changes or misrepresentation on my part and a better XXXX than before. They offered me a credit of .375 % and I would pay appraisal which they charged my card. Also, If i had {$50000.00} in our Citibank account before close that would give me another 1/8 % discount on interest rate. We have regular balances of $ XXXX in our Citibank account anyways. The initial Loan Estimate was dated XXXX but had errors of not reflecting my loan credits and them adding the .75 % as points not a credit of .375 % It took them until XXXX XXXX, XXXX to correct the Loan Estimate! I also provided them a bank statement they required from XXXX XXXX XXXX showing another {$29000.00} in deposits for proof to get the further interest discount of 1/8 % and I told them more would be deposited to make the $ XXXX for the discount and if I could not then the interest rate would be 1/8 % more.
Here is initial offer email. : XXXX, I pulled up a current balance of {>= $1,000,000} ***Current payment is {$4800.00},,,, Current rate is XXXX,,,,,,,,,,, Savings over $ 500+ XXXX Arm Rates for XXXX/XXXX/XXXX for the same loan amount, no increase.
2.875 % = {$4300.00} = .125 % cost ( ( no relationship pricing ) ) 2.75 % = {$4300.00} 2.625 % = {$4200.00} With a $ XXXX Relationship : 2.75 % = {$4300.00} and .375 % Lender Credits for closing costs ( {$3900.00} ) ///////////// payment = {$4300.00} The saving to me would be {$500.00} a month!
On XXXX XXXX, XXXX the rep called me to tell me they had withdrawn the loan because I did not show the full $ XXXX for the discount 1/8 %! I demanded a refund of the fees I paid and written explanation for rejection which I still have not received other than this email : XXXX, Here 's exact comment from my immediate Mgr : The loan was declined because there was a 10 day letter that was sent ( NOIA ) and documentation was still not received. File was withdrawn based on that. Fees to be refunded as we can not offer the same rate.
Thank you, NOIA means : " Notice of Incomplete Application '',,, we were sent that let on XXXX XXXX. The revised LE was not corrected until XXXX XXXX, sent to you XXXX XXXX. The banks position is the Assets stmt 's requested needed to be in house or they would withdraw/cancel loan. **I 'm just the messenger on this, I will watch rates constantly for you should they go back that level.
XXXX XXXX Home Lending Officer Citibank , N.A .
It is obvious that they do not want to give me the loan because they would lose {$500.00} a month in interest. I have no adverse credit and have been their customer for 8 years with excellent payment record.
In their rate lock confirmation letter they state it can be canceled only if I dont disclose material facts or adverse change in credit, employment, income, assets or liabilities or they can not verify my eligibility or if I made false statements ... ... NONE OF THESE HAVE OCCURED and they approved me for Home equity loan on same house only Six months ago! This rate rate lock does not expire until XXXX yet they have rejected me even though I have the same loan with them since XXXX! got a HELOC approved six months ago and the monthly payment will be LESS by {$500.00} a month!
I would love to understand Citibank logic other than illegally them not wanting to give me a {$500.00} a month less mortgage thanks
|
| 04/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Attached is a letter I received from Citibank, datedXX/XX/XXXX which appears to be retribution for a recently filed complaint with the CFPB.
Moreover, there are statements from Citibank in this letter which are simply untrue to be blunt theyre lies.
And there are other issues in the letter. Let me summarize all of the issues with the Citibank letter and threats to freeze my account ( s ) here.
1. Citibank claims in first paragraph, some important information is still missing or out of date yet Ive been a customer of Citibank for 10+ years and Ive NEVER received any prior notice of this claim. Also, neither in this letter, nor in any other communication, has Citibank detailed what is missing or out of date as they allege.
2. I have over {$300000.00} in my checking and saving accounts, and in bold letters, Citibank is threatening that all transactions on your account will be blocked if I dont respond byXX/XX/XXXX. This is a very, very serious threat.
3. There are numerous other threats in the letter you can read for yourself.
4. In the Why is this happening? section, Citibank says, We have reached out to you several times previously. This is a lie. Period. Citibank has NEVER called, emailed or sent any other letters asking for missing or out of date information. Citibank has had my same email and phone number for 10+ years and I say again, to be absolutely clear, Citibank is lying with this statement when they say, We have reached out to you several times previously.
5. In the closing paragraph, Citibank says, We know that your time is valuable and we are committed to partnering with you in every way possible to continue meeting your financial needs. I dont agree that Citibank believe my time is valuable heres why.
a. On Friday morning, XX/XX/XXXX, I called the toll free number provided by Citibank and provided the key word " XXXX '' and my Reference ID on the letter - but the rep was unable to retrieve details of my letter when I provided the Reference ID as I was told to.
b. Citibank can verify this because they record all calls, but I was on the phone with the representative for more than 15-minutes and during this call, she was unable to a ) identify what information was missing or out of date or b ) connect me to an available supervisor to discuss the letter and my situation.
c. If Citibank cared about my time, or considered my business valuable as they claim, they would have a system that clearly highlighted missing or out of date information so the rep could enter it! They wouldnt expect me to wait on hold while their rep searched for missing or out of date data yet that is exactly what the rep said she was doing.
d. It's clear that Citibank is not interested in partnering with me in every way possible to continue meeting your ( my ) financial needs. Further evidence is that at one point, the rep asked me the date on the letter! How can she ask that? Shouldnt SHE have known that? And then, because I was calling on XX/XX/XXXXand the letter wasXX/XX/XXXX, she suggested ( please listen to the recording! ) that it was likely I had already spoken to someone at Citibank and provided the information but I just forgot! How completely rude and inappropriate.
6. She told me that my account was showing approved which she said means I provided the information and nothing else was needed and my account wont be frozen. But Im absolutely concerned, given the above, that my account or accounts will be frozen in less than a week!
7. After more than 15-minutes of getting nowhere with this rep, I hung up.
8. I called back a short-time later, but this time I was connected to a rep based in the XXXX. They were unable to connect me to a US-based supervisor. Frankly, Im DEEPLY concerned about having my personal information and account details accessed outside the US.
I genuinely feel this letter, which is factually incorrect and quite threatening, is retribution for a previous CFPB complaint.
|
| 02/11/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
CitiBank was running a promotion last year where you had to open a new account, deposit {$15000.00} or more within 30 days, keep the funds there for at least 30 days, and within additional 90 days you would receive a {$400.00} bonus ( please refer to the attached letter dated XX/XX/XXXX for the summary of the promotion terms ).
On XX/XX/XXXX, I called Citibank and opened new CitiBank account no. XXXX with XXXX # XXXX. XXXX assured me I will qualify for the offer as long as I will meet the other terms of the promotion. I had the {$15000.00} readily available and authorized immediate transfer to my new Citibank account.
On XX/XX/XXXX, I rec 'd a letter from XXXX XXXX from CitiBank, asking me to fax a copy of my latest home phone bill or my current utility bill and their signature card. I faxed a copy of the most recent XXXX bill and the signature card to CitiBank on the very same day. I also followed up with a phone call to make sure they do not need anything else from me to be able to process the transfer of the {$15000.00} and was told they do not need anything else, and was assured again that I will qualify for the {$400.00} bonus.
I monitored CitiBank 's withdrawal of the {$15000.00} on almost a daily basis and placed numerous calls to CitiBank, all of which are documented by CitiBank customer representatives leaving comments in their system, since I did not see the funds being transferred, despite my authorization on XX/XX/XXXX. I was again assured that it is merely their system error and that comments are being placed on my account that the promotion should be honored.
The funds were finally withdrawn on XX/XX/XXXX, which is after the 30 days funding requirement. However, this delay was caused by CitiBank, not by me. I called again to verify that I will still qualify for the promotion and was again assured that I will.
The account was opened on XX/XX/XXXX. Accounting for the 30 days to fund + the additional 90 days within which the {$400.00} bonus was supposed to be posted, that would take us to XX/XX/XXXX, by which the {$400.00} bonus was supposed to be posted.
I gave CitiBank additional month before following up re the {$400.00} bonus. On XX/XX/XXXX, CitiBank representative XXXX ( employee ID XXXX ), told me that I do not qualify since the deposit was not posted within 30 days of opening the account ( see the attached chat session dated XX/XX/XXXX ). When I pointed out that it was Citibank 's fault that they did not withdraw the funds within 30 days, which I specifically authorized to be withdrawn on XX/XX/XXXX, and asked him to read the notes on my account, he changed his tone and confirmed that he sees the notes about the issue, but was unable to resolve the issue and merely placed a request on my account about the issue and assured me it will get resolved.
When I followed up with CitiBank again on XX/XX/XXXX, this time with XXXX ( see the chat session dated XX/XX/XXXX ), she was surprised that {$400.00} bonus has not posted yet, and confirmed that their own comments on my account state " Citibank System error '' and " Promotion should be honored ''. She was also unable to resolve the issue, but assured me that their specialists are researching the issue and will get back to me within 30 days.
On XX/XX/XXXX, I rec 'd a letter from XXXX XXXX, the same CitiBank employee who on XX/XX/XXXX requested additional information that was provided the very same day, stating that I do not qualify for the offer because the funds were not deposited within XXXX.
I feel like CitiBank purposefully delayed transferring the {$15000.00} beyond the 30 day period to avoid having to honor the {$400.00} promotion. Despite their confirmation that it was their fault, they now refuse to pay me my {$400.00} bonus. I authorized the transfer on XX/XX/XXXX and had no control over when CitiBank would process the transfer. Thus far, having {$15000.00} with CitiBank, I only earned {$0.00} interest.
|
| 04/30/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX, XXXX, I signed up for Citibank offer using promotion code XXXX, which clearly stated that ( 1 ) I will get XXXX ThankYou Points within 90 days of completing all requirements and ( 2 ) to avoid $ XXXX monthly fee, I will need to maintain at least {$50000.00} balance in the account. As acknowledged by Citigold Online Client Service representative XXXX XXXX in his XXXX/XXXX/XXXX message ( attached hereto ) I completed all requirements in XX/XX/XXXX, so I should have received the XXXX ThankYou Points within 90 days of XXXX/XXXX/XXXX, on or before XXXX/XXXX/XXXX.
Citibank violated the terms of the offer I signed up for in XX/XX/XXXX, and despite my numerous requests made in writing and over the phone, continue to refuse to credit my account with XXXX XXXX XXXX. As of today, 121 days (!!! ) since I completed all offer requirements, I have not received the XXXX ThankYou Points in what I can only explain as Citibank 's wrongful and malicious attempt to continue charging me $ XXXX monthly maintenance fees, since I no longer maintain the {$50000.00} minimum requirement.
After I followed up with Citibank regarding the points, or lack thereof, I received a letter from Citibank Director of Client Research XXXX XXXX dated XXXX/XXXX/XXXX, in which she stated " A credit of XXXX ThankYou Points has been processed to your account today from Promotion XXXX ... '' As you can see from the attached online statement dated XXXX/XXXX/XXXX, XXXX XXXX lied and the XXXX ThankYou Points have not been credited to my account of as yet.
Additionally, XXXX XXXX stated in his aforementioned message dated XXXX/XXXX/XXXX that " Therefore, your points will show as credit on your statement cycle beginning XXXX/XXXX/XXXX. '' Again, Citibank blatantly lied as none of the XXXX XXXX Points are showing up on my statement as of yet.
When I called Citibank today, XXXX/XXXX/XXXX, at ( XXXX ) XXXX and spoke with XXXX who identified herself as XXXX, she told me that the XXXX ThankYou Points will be credited on my statement cycle beginning XXXX/XXXX/XXXX, but refused to provide that statement in writing, likely knowing it clearly contradicts the written statement from XXXX XXXX I had received on XXXX/XXXX/XXXX, and was also not able to explain why XXXX XXXX confirmed in writing that the points will be credited on statement cycle beginning XXXX/XXXX/XXXX.
As stated above, the only explanation I have for Citibank 's refusal to credit me the XXXX ThankYou Points I should have received on or before XXXX/XXXX/XXXX, is the fact that I withdrew my money and no longer keep {$50000.00} on balance, so they can charge me $ 30 monthly maintenance fees.
Had I received the {$50000.00} ThankYou Points by XXXX/XXXX/XXXX like I was supposed to pursuant to the terms of offer I signed up for in XXXX, which Citibank unilaterally changed and violated, I could have redeemed the points by XX/XX/XXXX, close the Citigold checking account on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX, and avoid the {$30.00} fee I was charged on XXXX/XXXX/XXXX.
Now, it appears I will have to wait another month and incur yet another {$30.00} fee which will be automatically posted on XXXX/XXXX/XXXX, since the XXXX ThankYou Points still have not been posted. As a matter of fact, if you look closely at my today 's online statement, you will see that the account balance is {$1000.00}. However, the available balance on top is {$30.00} less, {$1000.00}. Thus, even though it is still XXXX XXXX, Citibank already withdrew ( just not posted ) the $ 30 monthly maintenance fee for XX/XX/XXXX, which is just another proof of Citibank 's true malicious intentions for violating the original offer I signed up for in XX/XX/XXXX and their continued refusal to credit the XXXX ThankYou Points I should have received on or before XXXX/XXXX/XXXX. Due to Citibank 's wrongful delay, I am incurring $ 60 monthly maintenance fees and still do not have the XXXX ThankYou Points as of today, XXXX/XXXX/XXXX.
|
| 12/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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Citibank closed 2 store specific credit cards ( Macy 's & Best Buy ), 1 Citi Simplicity credit card and 1 Costco Visa ( Authorized user ) without any notice and 3 different agents refused to provide me with any information as to why all of my Citi cards had been closed on the same day XX/XX/2023. One agent went as far as telling me to call XXXX if I wanted more information. A second agent referred me to a letter in my document center that I was also not notified about that stated for me not to call Citi and they will not provide any additional information. I called and a second agent told me the bank decided to close all of my accounts and refused to give any additional information. I was then transferred to another agent who stated they were all closed due to fraud risk, but I have never reported any fraud on any of the credit accounts. Not a single person at Citi provided me with any additional information and then insinuated that I am the fraud risk even all of the accounts are over 10 years old, no fraud has ever been reported, there is no unusual activity, the accounts have never been past due 30 days or greater and are all current with possibly 2 returned payments between all accounts during the life of all the accounts. No one would answer any of my questions, refused to transfer me to a manager and would not document my complaint. When my mother, the primary Costco Visa account holder called, they gave her a completely different story than what was explained to me and the agent released my financial information to my mother, which completely violates my privacy. A final agent I spoke with advised me to write a letter ( attached for reference ) to Citi requesting my accounts be reopened and that would 100 % guarantee the issue would be resolved and the accounts be reopened, which left me extremely skeptical and untrustworthy of the agent and the information provided. All I have received from Citi is deception, lies, privacy invasions and complete disrespect. I have done nothing wrong, I have made all payments and I have been treated like a criminal that is not being told what the alleged reasons are.
I have called Citibank multiple times, written letters as directed by customer service agents and have had escalations created internally by Citibank agents. Every single time I call no one will provide any form of legitimate response as to why this negative action against me was initiated. I received letters from Citibank for all of the accounts affected and they all provide the same fictitious reason. Due to unusual XXXX credits and withdrawal transactions, the bank has closed the account. How can the accounts be closed for unusual transactions that are impossible to perform on credit card accounts? XXXX does not support credit cards and none of the accounts had a cash limit available for withdrawals ( 2 of the 3 accounts are store specific credit cards ). I have had the accounts for almost 20 years and I have never once reported fraudulent activity on any of them, i have never disputed a single transaction and have never even attempted to conduct a cash transaction on them. How can Citibank close a 2 decades long customer relationship for fictitious reasons that do not exist, refuse to tell me what has happened and what is currently happening with my accounts and practice discriminatory business actions without any explanation or accountability.
It has been more than a month that all of my accounts were unexpectedly closed with malice for no apparent, realistic or actionable reason. I have been lied to by every Citibank employee that I have interacted with during multiple phone calls. This form of deception is wrong and I do not appreciate being discriminated against after being a loyal Citibank account holder for 2 decades. I will continue to escalate and submit various complaints regarding this matter until there is a reasonable resolution for this unfair treatment.
Thank you
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| 03/13/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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CITI, its counterparts and or subsidiaries, but not limited to, has refused to provide what has been asked of them by way of certified letters.
CITI, its counterparts and or subsidiaries, but not limited to, has received 38 certified letters from me to provide exact verification as stated below. They admitted identity theft, yet refused to remedy my credit on their allegations.
They know this is not my account but continue to illegally report otherwise, reporting derogatory marks on an unverified account after saying theyd verified the account not producing any evidence as listed here below to provide and Instead evading and making Harassing phone calls against regulations even after having received a Cease and desist.
Upon researching this corporation they have a steady history of class action lawsuits both past and present for their illegal tactics through themselves their counterparts and or subsidiaries, as is seen within the CMPBs own documented cases against them for the exact same cause of action.Yet they continue on believing themselves to be above the law not to be punished for their heinous willful negligent and purposeful crimes of retaliation and negligence.
They have continued harassing calls despite my documented complaints and have further refused to provide lawful necessary stated compliant responses for verification.They continue to have their outsourced affiliates from the XXXX call to say there has been usual activity on my card and have sent letters before saying this or that I changed my email with them ... This is not true and I can provide evidence of this as I can their clear attempts at manipulating tactics I HAVE NEVER HAD A CARD FOT THE ALLEGED ACCOUNT they claim is connected to me.
THEY FRAUDULENTLY CONTINUE TO REFUSE TO REMEDY AND SEEK ANY MEANS POSSIBLE NOT TO PROVIDE ME WITH FCRA REGULATIONS STATED VERIFICATION.
They have refused to provide any of their verifications here which I requested numerous times to provide the following information with a declaration sworn under penalty of perjury under oath. : Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : *The description of the procedure used to determine the accuracy and completeness of the information.
*Name, address, and telephone number of each person contacted regarding this alleged account.
*A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.
Any automated response or e-Oscar verification is unacceptable.I am requesting a re-investigation along with your method of verification.
The item ( s ) in question are inaccurate representing a very serious reporting error.
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA.If not, I expect this item will be removed from my credit files immediately.
NON OF THIS VERIFICATION WAS PROVIDED AS STATED BY FCRA RULES AND REGULATIONS NECESSARY FOR COMPLIANCE.AS SUCH COMPLAINTS CONTINUE TO BE FILED AND FURTHER ACTION IS PENDING UPON THE RECEIVED COMPLIANT RESPONSES AS STATED. IT IS A FEDERAL CRIME TO ILLEGALLY REPORT UNVERIFIED INACCURACIES UPON A CREDIT REPORT ALONG WITH DEROGATORY TRADE LINE MARKS AND COMMENTS ALBEIT DOCUMENTED ADMITTANCE OF IDENTITY THEFT AS STATED BY THEM.
PLEASE REMOVE ANY AND ALL INACCURACIES UPON MY CREDIT REPORT IMMEDIATELY.I KNOW OF NOTHING THAT SUPPORTS THEIR CLAIMED ALLEGATIONS.
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| 07/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
Older American, Servicemember |
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On or about XX/XX/XXXX, I called Citi AAdvantage to inquire about when I could expect to receive the renewal on my Citi Aadvantage card that they had originally issued to me in XX/XX/XXXX and subsequently renewed each year annually thereafter with a fee. Usually, I received the new card about 30 days prior to the expiration date. when I called CITI customer service, I was told that my card would not be reissued. They said they had reviewed my credit and perhaps due to late payments or going over my credit limit that I would not be getting a card. I then reviewed my bank statements and other utility bills and everything IS paid on time -- in full. Nor did I go over my credit limit. I called back the next day, and I was advised by someone in the XXXX that I should just apply for a new credit card, that there was nothing they could do, however, they did see that I paid my card on time for the past 19 years -- in full. Because I work full-time in a hospital, My wife called and talked to someone state-side. The customer service person indicated that a letter was sent regarding the reason for " Your card won't be reissued. '' My wife said she told CITI customer service that we did not receive such a letter and that she requested the letter be resent since we did not receive the original letter. Then a letter dated XX/XX/XXXX stated that CitiAADvantagePlatinum Select, World-Elite Mastercard was reviewed since it was expiring soon and that they were unable to send me a new card due to a bankruptcy or a charge off on another credit card issued by CITI. This is Categorically FALSE. I did NOT Ever file bankruptcy or not pay a credit card that I requested. Additionally, I don't have another CITI card.
On XX/XX/XXXX, I sent a letter with a packet of information to Citi Card- XXXX XXXX XXXX XXXX XXXX, SD XXXX-XXXX. In that letter, I provided information to CITI card explaining that I never filed bankruptcy, and I NEVER had a charge off on ANY credit cards issued by any company with whom I requested credit. I requested that they provide me the credit card name, account number, any signed contracts, signatures, address, social security number, date of birth used etc. I requested how much they allegedly charged off because of me, and where I allegedly filed bankruptcy. I requested ALL information and I requested All supporting documentation that they used to impune my reputation and credit. I also requested contact information for the people making the decisions regarding my credit, their names, e-mail addresses and telephone numbers where they could be reached to discuss this information. I also requested that they reply in writing within 10 days or I would report them to The State of Texas Attorney General, the XXXX and take further action.
Today XX/XX/XXXX, I received a letter dated XX/XX/XXXX, NOT responding to the letter I sent but rather a form letter response to an issue that I don't have. The letter states : " Decline of Credit Limit Increase. '' I did not request a Credit Limit increase. I don't need one. They are stating in the letter that they can't approve the increase because they don't have income or monthly mortgage/rent payment on file for me. I called the number on their form letter-XXXX. It says my account is currently closed, that they received my recent payment of {$14000.00} on XX/XX/XXXX, and that the new balance on my account is {$7100.00} and it's due on XX/XX/XXXX.
My home is paid in full and has been for more than 15 years. I own all my cars. I used the Citi AAdvantage credit card to pay my utilities, groceries, incidentals, vacations and homeowner and car insurance instead of writing checks.
By the way, if Citi/Aadvantage doesn't hear from me by XX/XX/XXXX, they state that they will consider my request withdrawn.
How deceptive to respond to something NOT requested -- and then tell me my authentic request will be withdrawn if they don't hear from me again by XX/XX/XXXX.
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| 03/07/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I reached out to Citi and submitted remittance in the form of coupon payment on XX/XX/22. Citi accepted and received it on XX/XX/22 and did not apply payment.
Certificate Of Non-Response Date : XX/XX/22 Re : Acceptances by Citi on account number ending in XXXX I, XXXX XXXX have sent off certified mailing and payment in forms remittance/coupon in efforts to resolve and settle account ending in XXXX. This notice is Pursuant state law evidence of dishonor UCC 3-505 and UCC 1-202 I state the following as facts.
On the date of XX/XX/22, Citi at XXXX XXXX XXXX XXXX PA, XXXX received a remittance/coupon payment via Certified Mail. The corresponding certified number is XXXX as verified by Certificate Of Service.
After acceptance of mailing Citi refused to send confirmation that account ending in XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing your refusal, in response to the correspondence regarding account ending in XXXX.
Citi did not cure your dishonor. Citi gave no creditable or justifiable reason for refusal to confirm the adjustment and settlement of account ending in XXXX or send a notice of dishonor.
Therefore, based on the foregoing facts I state that Citi dishonored me, XXXX XXXX, through non-response, and did thereby agree that Citi accepted the remittance/coupon payment for account number ending in XXXX exchanged exemption for the discharge of the associated charges, including a settled account showing a zero balance, sent a letter of credit to the Secretary Of Treasury as notice that exemption is to be used to settle account number ending in XXXX.
Further Citi agreed that refusal to send the written confirmation of settlement of account ending in XXXX or a notice of dishonor from a qualified third party, in no way negates the fact that said account is to be settled, Citi and any of its representative have no capacity to pursue collection on said account, under UCC 3-603, UCC 3-111 , UCC 3-311, Pursuant 15 U.S. Code 1611 in the amount of {$5000.00}, Pursuant 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1692j in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( b ) ( 2 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( a ) in the mount of {$1000.00}, Pursuant 15 U.S. Code 1691 ( a ) ( 3 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1635 and UCC 3-306 , Pursuant 15 U.S. Code 6823 ( a ), Pursuant 15 U.S. Code 1635, Pursuant 15 U.S. Code 6827 ( 4 ) ( b ), Pursuant 15 U.S. Code 1640 ( a ) in the amount of {$5000.00} per violation or higher depending on pattern of failures aka R.I.C.O. charges in accordance with TILA Regulations, Pursuant 15 U.S. Code 1692k ( d ) I the affiant am invoking my jurisdiction and will administer judgment over this matter in accordance to 15 U.S. Code 169299c ( d ), I the Creditor in fact in accordance with 15 U.S. Code 1692a ( 4 ) and as the Creditor who has created the debt. I will declare default judgment in favor of XXXX, XXXX XXXX. Company failure to rebut and bring forth proof of claim in this administrative audit show proof in exhibit 1, that I owe the alleged debt shown in prior notice, Pursuant 15 U.S. Code 1692k ( a ) ( 1 ) in the amount of damages awarded in the amount of judgment in class action suit and that any further pursuit of collection is agreement that Citi collectively and and without argument owe I, XXXX XXXX the amount of {$5000.00} plus the remedy for the previous correspondence {$22000.00} and all just due remedy pursuant the 15 U.S. Codes mentioned in this letter in accordance with FDCPA and TILA, Regulations, in the amount of {$10000.00} and any further judgments in accordance with 15 U.S. Code 1640 ( a ) and that I XXXX XXXX may take all necessary actions to secure the claim to the remedy which is owed.
Notice To Agent notice knowledge U.C.C. 1-202 Respectfully All Rights Reserved Without Prejudice U.C.C 1-308
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| 11/07/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Citi advertises a benefit of Price Rewind, claiming that if I find a lower price, I 'll receive a refund for the difference.
That statement is false, I had two claims denied for a reason that is not covered under the Terms.
I 've tried to use this benefit twice, with no success, for a XXXX XXXX XXXX action camera. Keep in mind this camera is two generations old, since today they are already selling the XXXX XXXX. Therefore, this camera is no longer available at most websites and is on clearance at specific stores. A few XXXX stores still advertise this camera at their stores.
Both claims were based on the price advertised at XXXX XXXX official app, which is an online store catalog.
The Citi Price Rewind website does not search automatically individual XXXX store 's catalog, so I had to manually submit the advertisement for these particular stores.
Claim number : XXXX, opened on XXXX XXXX.
Price of {$25.00} advertised at XXXX store ( physical store, not XXXX website ).
Denied saying that the item has been discontinued at XXXX, and has not been available for over 6 months at that store.
The mistake is that the item does n't have to be current or even in stock to be eligible. An scanned item with the barcode ENSURES that it is exactly the same item, and IT IS AN ADVERTISEMENT since the XXXX app is just an online version of the store 's catalog.
I had to call 3 times, in 3 different days, requesting someone to follow-up. I only received a call back when I said I 'd seek legal assistance, and in that call the lady was extremely rude and did n't even let me finish speaking.
Claim number : XXXX, opened on XXXX XXXX.
Price of {$27.00} advertised at XXXX store ( different physical store than the previous claim ).
Denied saying that adjuster was not able to confirm the price with XXXX.
The mistake is that there is no need to even call XXXX, and there is no such need written on the Terms. The app is the OFFICIAL RETAILER APP, and is the online version of the store catalog where you can see what is advertised at that specific store. The scanned item assures that the exact item I purchased is the item advertised at that store, and they match exactly.
There is clearly an intention, with no grounds, to deny bigger differences in prices, or to deny claims against XXXX stores, or even something more personal that I 'm unaware.
The reasons for denial are not valid. Citi makes a strong statement for a program that is not delivering what it promises.
I provided a real, unaltered, online catalog ad of the store, matching exactly the same product by scanning the barcode to avoid any discussion about items being different.
Both prices ARE STILL AVAILABLE and are EASILY REPRODUCIBLE at the time of this letter, several days after claim was initiated. Having the XXXX app installed, setting it to the correct store and with the product in hands, in less than 10 seconds you are able to verify the advertised prices above.
It 's absolutely absurd to say these prices are not valid.
I 'll seek legal assistance, and file claims against Citi with consumer protection and governmental agencies. It might not produce individual results, but I sincerely hope it adds up and an action is taken collectively. Citi deserves a fine for denying valid claims like these.
I sincerely do n't understand how is it possible to advertise such program, and deny such simple claims like the ones I described above, where it is so easy to see the lower price. I take that this program is there only for marketing, and smaller differences are paid just to mask these bigger denials. The website tried to make me accept a payment of only {$30.00}, instead of the {$370.00} that I 'm eligible. Maybe this program is evaluated by number of approved claims, but not how many valid, bigger claims, are denied without a valid reason.
How am I supposed to trust this Citi card for any holiday purchase since such valid claims are denied.
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| 01/03/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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I lost my wallet or maybe it was stolen after watching XXXX night football and having drinks at XXXX XXXX XXXX. Because I had so much to drink I didnt notice until I woke up the next morning. When I called to order a new card they told me about a transaction where someone spent all of my money. So I disputed it because that was not me. I made the claim less than 48 hours from the transaction time and still was denied. The claim department has yet to honor me my money back. This just ruined my entire birthday and the holidays for me and I really need my money back.
As I said I lost my wallet the night before and it had everything from my Id to atm receipts to my pin in it. I made that account online and was giving a automated pin, so to remember it I ripped just the four numbers out of the letter and kept it with me. I had too many drinks at XXXX XXXX XXXX and woke up hungover and noticed my entire wallet was gone. When I called I automatically was told my account balance after I provided my social security number to verify my identity. The automated message told me I had 3 dollars and some change which is not what I left in my account after making my last withdrawal.
As said before I made a withdrawal on XXXX XXXX in the XXXX for XXXX $ the last thing I did with that card. I pulled {$80.00} and {$100.00} the 2 days before the XXXX $ withdrawal so I had some cash left plus the XXXX dollars when I went to watch XXXX night football at XXXX XXXX XXXX downtown XXXX. I dont remember the card numbers thats why its not provided in the beginning of this letter. When I found out about these transactions I disputed them furiously, I refuse to deposit any more money in that account until I receive my money back. I dont know if I misplaced the wallet at XXXX XXXX XXXX or the XXXX I just know I didnt have it when I woke up. I had to take off of work that day and everything because I woke up so late and hungover. When I asked where the transactions happened they told me something about XXXX and a post office at hours that I wasnt even awoke for.
That was not me, citi is saying it is because it they used my pin. That does not make the transactions valid because I the owner of the card disputed them once I found out about them. I literally just put that money in there why would I spend it all at once like that when I have bills to pay. I told you guys the pin was in my wallet just the four numbers, because it wasnt a pin I created. I didnt have an online account yet to even change the pin and I didnt know how so I just dealt with it.
I live in the XXXX, NY and I only used my card in the XXXX. Ive gone to XXXX XXXX plenty of times to do transactions that is the closest one to my home address. I have no ties to XXXX and its no way I couldve made those transactions if I was sleeping. I was not in XXXX the morning of XX/XX/XXXX idk if you guys want to ping my phone or what but I was at XXXX XXXX XXXX in apartment XXXX when those transactions were being made. That was not me XXXX XXXX, I am new to having a bank card I usually keep my cash but since I finally made a bank account I deposited with you guys. This is not how a new customer should be treated just because his account was recently opened i dont know what type of policy is that.
I need my money back, how can you just let someone steal your customers money and tell him your not do anything about it. This is a bit ridiculous its been 2 denials and nothing is changing. I need my money back my entire birthday passed without my {$2000.00} and now its going on XXXX and you guys still havent refunded what was wrongfully stolen from me. I have bills and younger family members that receive gifts, yes I still get paychecks but that doesnt mean I dont need my XXXX XXXX. That was not me. Ive been going through this back and forth thing with you guys since I made this claim, Im not just going to let someone steal my money this is wrong.
Claim # ; XXXX
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| 03/10/2016 |
Yes |
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Web |
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Fact # 1 ) I, XXXX XXXX XXXX obtained a Best Buy/Chase credit card XX/XX/XXXX. I used that card at that time for a promotion to buy a refrigerator for {$2200.00}. I did so because the promotion offered " {$0.00} down and 0 interest '' as long as the balance was paid off within 12 months. I did exactly that -- I paid off the purchase within a year and had no problems. There was no monthly interest charge, and there was no monthly minimum payment.
Fact # 2 ) I did not use that card again until XX/XX/XXXX. Apparently, without my knowledge, during this period my account was sold to Citibank without my consent.
Fact # 3 ) XX/XX/XXXX, I purchased a sound system for my home for {$910.00}. I made this purchase based on an advertisement campaign similar to the previous one XX/XX/XXXX ( I have enclosed a copy of a similar advertisement from today which offers 0 % interest on all purchases over {$390.00} AS LONG AS the purchase is paid off within 12 months. ) Nowhere in the promotion did it say that a minimum payment had to be paid each month. I confirmed the details of this promotion both with the manager on duty at the XXXX XXXX XXXX store where I made my purchase, and again with the cashier at check-out. I did this twice because I wanted to be sure, and because I did the exact same thing the first time using my card for a promotion in XXXX.
FACT # 4 ) Similar to the period from XX/XX/XXXX-XX/XX/XXXX, I did make sporadic payments over the next year ( XX/XX/XXXX-XX/XX/XXXX ) to bring my balance to what should have been a {$0.00} balance by XX/XX/XXXX. Instead, your company immediately after my purchase began charging me interest on my balance. Without my consent, I was accruing interest monthly, directly against the terms of the promotion I agreed to. In XXXX XXXX I had a balance of {$310.00}, which I paid in full in XX/XX/XXXX because I had already received a communication telling me that I was past due for that amount. Please note that I paid {$470.00} in interest and fees that I never agreed to, and were NEVER mentioned in the promotion I agreed to. This was a drastically different experience than the first time I used the card.
Fact # 5 ) I had planned out my budget for the year, and as evidenced in the attachment below I made payments according to that plan to come to a XXXX balance by the end of one year term ( XXXX XXXX to XXXX XXXX. ) Nowhere in the promotion did it say I had to make specific monthly payments, and specifically in my conversation with both the manager on duty AND the cashier I asked if I needed to make a monthly payment -- the answer was always " no, as long as you pay it off by the end of a year. '' Fact # 6 ) Your company 's incorrect addition of interest and other fees from the time of purchase NOT ONLY erroneously added {$470.00} to my account, but when the balance thus deviated from my plan it caused me to become ( inaccurately ) " delinquent '' in paying my bill. Again, I asked XXXX separate employees ( XXXX the manager ) if I needed to make scheduled monthly payments and was told " no. '' And that 's how it had gone the first time I used the card. These inaccurate " delinquencies '' were then incorrectly reported to the credit bureau. Your erroneous actions in this regard have been extremely detrimental to my credit rating. This has prevented me from obtaining a home loan and other necessary financing for both my business and personal life. This in turn has caused me and my family significant emotional and financial distress.
Best Buy/ CitiBank XXXX because you did not honor the terms of your promotion I have been wronged on XXXX fronts : 1 ) I have been erroneously charged an extra {$470.00} in late fees and interest ; and 2 ) I have had my credit rating ruined by your inaccurate reporting of " delinquencies '' that never should have existed in the first place.
I have made several calls to discuss with members of your staff to get these inaccuracies resolved
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| 02/18/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a CitiBank Accelerated Savings account via an online deposit of {$50000.00} on XX/XX/2023 in response to an email offer. I initiated withdrawals of {$10000.00} & {$5000.00} on XX/XX/XXXX & XXXX, respectively, in order to procure funds to cover costs that I would be needing to close on a home purchase that I had just made an offer on. Needing a few thousand more than what the online transaction would allow, I contacted the bank by phone on XX/XX/XXXX to see what could be done & was told that funds could be wired back to my bank account, but they needed the debit card number that was mailed to me, which I did not receive. I found out that it had been sent to the address of temporary rental where I'm living, instead of my mailing address, which I had already updated on the website for existing credit cards I have with CitiBank ( the postmaster said there's a " Vacant '' slip in the mailbox & any mail would be returned to sender ). The agent said a new card would be sent via XXXX to this address to arrive XX/XX/XXXX. In the meantime, I logged on to the website & made sure the mailing address was correct under the Savings account profile.
On XX/XX/XXXX, having not seen a delivery by early afternoon, I called again to check the status of the card & the agent said the order got canceled & a fraud alert triggered by the address update. I was put through to someone on their fraud department with a strong Indian accent, whom I could barely understand, & requested to get the card issued again. When I asked to get a confirmation on the address it would be sent to, I was told that they can't tell me that & the conversation got heated, then the agent went silent.
I logged on to CitiBank 's website a couple of hours later that afternoon to provide information to my loan underwriter that I had {$35000.00} remaining in this account & found out that I was locked out entirely, unable to view neither the savings nor credit card accounts. I called CitiBank twice through different support numbers with the exact same menu options before finally getting someone who said that there is a notification from the fraud department that my account is under closure & I will be getting a letter explaining why. I called in again on XX/XX/XXXX to try to get someone else who could assist with my lockout issue & spoke to a lady named XXXX ( speaking clear English ), who documented this same information & said she had to forward it on to someone else, as she could not undo the block on the account, & said I should hear back with two days.
I didn't receive any reply as of XX/XX/XXXX, so I called the number XXXX provided me in case I needed to follow up. I spoke with a US agent ( XXXX ) initially regarding my credit card accounts & she said they were still showing active, even though I could not log in. She directed me to proceed as if setting up a new online user account & I was able to gain online access to see these credit card accounts again. Upon getting resolution with the Savings account, she said those are serviced " offshore, '' but put me in through another english-speaking agent ( XXXX ) XXXX I was on the phone with him while he had me holding several times, but ultimately he said that only the department that put the block on the account can remove it. He put me on through to another agent who was Indian from their accent, but still relatively understandable. After just a few minutes with this man & having been on the phone for two hours to get to this point, all he could tell me was my account is in closure & remaining funds will be paid back by check within 30 to 60 days ( confirmed the {$35000.00} amount that I knew I had remaining, as well as the mailing address ), & I should be receiving a letter of explaination as to why this week, since his information says it was dated XX/XX/XXXX. As of the date of this writing ( XX/XX/XXXX ), I have not received any communication whatsoever from CitiBank.
|
| 10/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
Servicemember |
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Wayfair Mastercard TURNED OFF ALL MY AUTO ALERTS WITHOUT NOTIFYING ME, THEN CHARGED ME A BUNCH OF FEES.
On the evening of XX/XX/XXXX, I logged onto my Wayfair Mastercard online account to find that I had been charged both a late fee of {$29.00} and an over the limit fee of {$72.00}. I had always made my payments on time since acquiring the credit card account since XXXX, and found it odd that I was not sent any alerts prior to the fees. Among my automate notification settings, I had set my alerts to notify me if I was within a certain days of the payment due date, as well as an alert if I were within a certain amount of my credit limit. When I checked my alert and notification settings, however, I discovered that all of my automated alerts had been turned off. I had never asked for them to be turned off nor did I turn them off myself. The payment due date was on XX/XX/XXXX, and I had received zero alerts prior to or after the XXXX. I only found out because I logged onto my online account.
I tried calling customer service immediately on the evening of XX/XX/XXXX, but an automated message notified me that their customer service lines were closed despite Wayfair Mastercard indicating on their website that their customer service is available 24/7. I scheduled an online payment of {$650.00} to be charged from my checking account immediately as I did not want to be charged any more fees or have my credit rating damaged. I would have been able to make the payment on time had my alerts stayed on and intact. Again, I had never turned off or asked to turn off any of my alerts, and no one had notified me that all my alerts had been turned off.
I called again on XX/XX/XXXX and spoke with a customer service representative to ask to have both my late payment fee of {$29.00} and over the limit fee of {$72.00} voided and credited back to my account. The customer service rep agreed to do so, and I verified three separate times that my account would be credited back, and the customer service rep confirmed. Instead of my account being credited for the fees, however, {$170.00} was charged to my account. I never asked to make another payment, and the rep was well aware that I had already scheduled an online payment in the amount of {$650.00}.
I called again immediately following my first call and connected with a second customer service rep. After listening to my complaint, she informed me that the late payment charge of {$29.00} had already been waived and that she could also cancel the {$170.00} payment that I had never asked for, but that she could not void the over the limit fee of {$72.00}. I asked her to explain why my alerts had been completely turned off, and to connect me to someone who could answer my question if she could not. After a hold, she informed me that she could not find the answer. I asked to speak to her manager.
Once connected with the manager, I explained my situation once again. The manager 's answer was the same : that he did not know why my alerts had been turned off and that the over the limit fee of {$72.00} could not be credited back to my account. Instead of trying to assist me with my complaint, the manager ended the call attempting to set up my account for auto payment withdrawals from my checking account, and then tried to process yet another payment from my checking account once again.
Moving beyond my own case, I would find it only fair that Wayfair Mastercard gets assessed a penalty for predatory behaviors that burden the consumer not only with unfair charges, but saps them of their time, and causing undeserved stress and frustration. I ask that the CFPB and/or other appropriate regulatory agencies look into the matter of how often Wayfair Mastercard engages in turning off, without the customers ' knowledge, their auto alerts and notifications, and how often this results in customers being charged fees, and why customers are denied a refund when this happens.
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| 08/01/2015 |
Yes |
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Web |
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I have an issue with CitiBank not automatically cancelling auto-pay. My Minimum Payment Due was {$3700.00} by XXXX. Statement note says : " Please pay at least the minimum payment due, which includes an overlimit amount of {$3100.00}. '' I paid {$4500.00} on XXXX, which was above the required amount and timely. On XXXX Citi deducted {$3100.00} ( which was my over the limit amount, already paid! ). I called on XXXX and a Citi Manager was confused by the error, and promised funds of {$3100.00} would be returned to my checking account by XXXX. No money appeared, so I called on XXXX and found that " my request had been denied because it would put me over the limit ''. As I do not receive a fee for over the limit I challenged, but they would not refund the additional {$3100.00}, stating that the original {$4500.00} payment was not sufficient, and that it was applied to charges I made In My Current Billing Cycle ( aka, my *not yet completed* billing cycle )! They stated this was due to being over-the-credit-limit due to charges I had charged *since my last billing statement *. I told them that I had satisfied my minimum payment and even paid a little extra. I do not believe it is legal to demand payment for charges made during an open/current billing cycle and that Citi fraudulently deducted funds from my checking account. Regarding payment application, my Citi Card Agreement ( XXXX ) states the following : Application of Payments. Payments in excess of the Minimum Payment Due are applied in accordance with law. This means that we will generally apply payments in excess of theMinimum Payment Due to balances with higher APRs before balances with lower APRs. We generally apply payments equal to or less than the Minimum Payment Due and creditsto lower APR balances first.
Regarding the Autopay Policy on Citi 's website : Will an additional payment stop my AutoPay automatic payment?
We may reduce your AutoPay amount when non-AutoPay payments have been made during the monthly billing cycle. The amount of the reduction will differ depending on the payment type you 've selected. Depending on the AutoPay amount you 've selected, the process will be : " Minimum Payment Due '' AutoPay - the AutoPay payment amount will be reduced or canceled if the amount of your minimum payment has been paid by additional non-AutoPay payments made during the billing cycle.
( note, I met the scenario above fully ) https : //online.citibank.com/JRS/helpcenter/getHelpContent.do? dispFormat=popup & contentId=AdditionalPymtAtopAutoPayAutomaticPymt & contentType=help_item & JFP_TOKEN=X3KMNTWY & jfp.layoutFull # ( that link will work ) Important Notes : I am only signed up for auto-pay in case I forget to pay, it is rarely used. I make my own payments every month usually several times per month and the auto-pay always auto-cancels. I generally use this card for points and pay-off monthly ; I have n't paid off lately due to wedding expenses and this is unique to this scenario. I am not penalized for over-the-credit-limit transactions, they are allowed, with any amount over the limit on the day of the statement due/paid in full the next cycle, plus other charges. I feel this is a glitch in the Citi Payment system that could be affecting others and is illegal. Additionally, Citi was not able to immediately provide me with an electronic Payment Hierarchy to support their claims or even to read from on the customer service calls with XXXX employees. If I was not enrolled in the auto-pay program, I Would Not have been required to make additional payments until the NEXT Billing Cycle, and the {$4500.00} would have been considered a complete payment. This is DISPARATE TREATMENT between accounts that Are and Are Not enrolled in auto-pay. Last, Citi did not notify me of the denied request for refund of the {$3100.00}. XXXX manager stated there should have been a letter sent to my " Document Center '', and agreed it was not sent.
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| 09/10/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Hello. My name is XXXX XXXX, I need help, please! I can't get anyone to help me. I am self-employed. My business and I are still suffering. Due to Citibank still having a hold on my account asking me for my business documents information Citibank said I need a business account if that's was the case If I need a business account why would they accept my funds and deposit it into my personal account it I needed a business account I have given them more than enough business information now Citibank is being picky about the dates on my business documents saying it has to be a certain date and year document after verifying myself. I have been waiting for weeks now! Citibank told me it would take a few days. I really need my money. I am XXXX, struggling and in a car less, I was in the process of moving into my new home until citibank blocked my account!. I can't move into my new home for me and my business because Citibank blocked my account for no reason. I'll be homeless soon! I did an identity verification and Citibank asked for my business information proof of self-employment.what 's the hold up? What's the problem with releasing my money now! So I am asking for your help, please. I would like to know the status of why Citibank is still holding my money in the fraud department. I don't know what fraud about me withdrawing my legit money out of my own account to pay for somewhere to live to relocate my business to its new home, please! I am begging you can you please reach out to Citibank on m y behalf to let them know I do have a legit business and why are they still holding my money after verifying myself to them! This is ridiculous!! I am having an awful time trying to get my bank CitiBank to remove the block on my account. Therefore please send me a privacy release form so you can reach out to the CitiBank on my behalf if I don't get this money ASAP. I'm afraid I might have to close my business! Citibank bank has been unfair, misleading, and discriminated against me in lending Citibank has been completely negligent in speaking with me and trying to resolve this issue I attempted to use my card. It was declined. Also, my account through the app and my online account became completely inaccessible. Come to find out, the fraud department at Citi locked my account. So now I am totally without access to my legitimate money and guess what! Their fraud department does not work weekends. How lazy for an institution that handles your hard earned money. I am totally without a dime and theres nothing they can do! They blocked my account and put a fraud alert. I can not even withdraw using the bank booth. I called them several times regarding this issue. I answered all security questions like SSN, ADDRESS, card number, account number, phone number, security question answer and so on. But they refused to unblock my account and release my funds. It has been going on for the last 5 days. Now they said they will send a letter with code and I need to verify it. Even they said the phone number used for account opening is not on your name. I need to have a verified number to unblock the accounts and so on. I fulfilled all of their requirements but they do not remove alerts from my account. It is very important to withdraw money. But they do not allow it. It is a waste of time and highly mental stress. They all always drop the call and refuse to help solve the issue. This is my money and I have right over it to withdraw it anytime I need. Why blocked my account and money. I need help to sue them and ask for the price of this kind of harassment. citibank block my account I am XXXX in the process of moving in my new home I can't because citibank block my account for no reason they wanted to verify my transaction on my account I made the transaction I did not call citibank about any fraudulent activity on my account I already verified myself through citi bank reference code letter Sincerely XXXX XXXX.
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| 06/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I am the victim of a financial scam that resulted in my losing most of my life savings ( 401K, legitimate investments ( stocks, mutual funds ), savings and checking accounts ). I employed the services of a company that helps victims of financial scams. Below is the wording of the CFPB complaint, as per their legal counsel.
-- - Our client was solicited by a merchant, XXXX XXXX XXXX, operating under the web address XXXX to wire funds to a false and fictitious trading account. The merchant is part of a global network of cybercrime known as the binary option and falsified trading scam. Our Client has accessed the Internet-based platform of the Merchant available under XXXX. To the best of our knowledge, the Merchant did not provide a contract ; however, the terms and conditions contained on the site are intended to govern the relationship and responsibilities of the parties. Therefore, all information on the web-site is relevant for determination of the services and the rights and obligations of the parties. The Merchant claimed to be a financial services provider dealing with regulated financial products, such as CFDs, indices, binary options, commodities etc. In addition, the officers and employees of the Merchant are also presented as experienced brokers ( a designation that requires licensing ). Evidently, it is advertising and promoting itself as a provider of financial services and is trying to influence third parties decisions to undertake financial commitments and to invest in the offered financial products based upon the information provided by the Merchant on its website. All of those activities require the Merchant to possess the required licensing. The website of the Merchant contains clear statements that its team consists of professional brokers. Persons claiming to be such licensed brokers apparently contacted third parties and communicated with them the possibility of making an investment, which is strictly prohibited by the law if there is a lack of the respective license. Only a licensed broker can contact persons with the intention to assist them regarding where and how to invest their money. In order to be able to act as an investment intermediary, or broker, or similar i.e. in order to have the capacity to offer financial advice and to provide access to regulated financial products to third parties one has to be registered with the relevant supervisory authorities. It is the common rule that financial products such as CFDs, indices, binary options, stocks and commodities exists, are regulated, not only in the XXXX, in which the Merchant claims to be located, but also in most of the rest of the world, including in the United States ( where our client resides and where your money services business is registered ). Our research conducted from sources available in public registries has shown, however, that the Merchant is NOT licensed to offer regulated financial products nor to provide financial advice to third parties such as our client. XXXX XXXX XXXX XXXX XXXX Furthermore, our investigation in the case has shown also that there are warnings from Government Regulatory Authorities for operating and providing financial services without having the proper required licensing. The Merchant claimed to have the ability to trade regulated financial products. In reality, the merchant provides a fictitious and malicious software which does not execute any trades and is not connected to any recognized exchanges. It is manipulated by the merchant to exhibit its own desired figures. The merchant has left a trail of victims who have fallen for a sophisticated and well-crafted scam and that have lost their entire life savings. Evidence to support this can easily be found on the web by conducting basic research about the Merchant. We can provide further evidence if needed.
Bank transfer details below : Date : XX/XX/2020 Recipient : XXXX XXXX XXXX, LIMITED Amount : {$200000.00}
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| 08/24/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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I need your assistance again for the FOURTH time. I would like this complain to be passed on to Macys Management at the highest level. This will be the FOURTH time that I am asking for your assistance regarding an unauthorized and un-substantiated charge in my Macys credit card that Macys seem to ignore. Macys is not working with me to resolve my issue and prove to me that the charge they levied on me is a legitimate charge. It is FRADULENT!!
Macys Executive Department has assigned another clerk to work on my issue in XX/XX/2020 after I filed my THIRD complaint XXXX XXXX who is no better than the previous clerk as she never returns calls just like the first one. I started this request for assistance in XX/XX/2020. Macys Executive Credit Department, XXXX XXXX was the original clerk working my case. All she was doing was writing a letter to the CFPB with un-substantiated information. Then CFPB closes the case without asking for my input! The case is not resolved!
I am requesting assistance once again on FOUR issues : 1. FIRST ISSUE -- The {$400.00} bill in my account levied in XX/XX/2020 has not been resolved. I have made payments on a monthly basis because I do not want to be slapped with late fees and interest. Because this amount is in DISPUTE, I should not be paying anything until the dispute is resolved ( this is NORMAL procedure with credit card companies ). XXXX XXXX advised me to continue paying the monthly required minimum and I have been doing that. I DO NOT WANT MACYS TO RUIN MY CREDIT!
I do not believe I owe Macys the amount they insist that I owe. As the customer, I do not agree and I believe it is incumbent on them to prove to me why I owe them {$400.00} that suddenly appeared in my bill. The balance of the FRADULENT charge has decreased because I have been paying on a monthly basis. But once this is settled, I intend to get my money back!
2. SECOND ISSUE : I received my XX/XX/2020 statement and I have a finance charge of {$6.00} ( COPY ATACHED ). While this charge is in dispute, I was advised by both clerks from Macys ( XXXX and XXXX ) that I will not be charged any finance charge. I want this finance charge reversed!!!
3. THIRD ISSUE : I sent XXXX a letter last XXXX XX/XX/2020 ( COPY ATTACHED ). I requested that she explain to me what constitutes a special financing charge that is due for payment soon ( XX/XX/2020 ). She never responded on this issue. I again brought this to the attention of XXXX when she called me on XXXX XXXX and she promised to take a look at it. I have called for updated status three times since ( XXXX XXXX, XXXX XXXX and XXXX XXXX ) but just like the first clerk, no response.
4. FOURTH ISSUE : I advised XXXX that when XXXX sent me the first letter in XX/XX/2020, she only sent the letter but the statements were not included. So, I could not trace back what she is talking about in the letter against the referenced statements. XXXX told me ( that was again on XXXX XX/XX/2020 ) that due to COVID19, the receipt of these documents will be slower than normal but she will request them. So far, today is XXXX XXXX and I have not received them. So, how can I reconcile the letter against the statements?
This issue has been frustrating. A big corporation like Macys is not being proactive and responsive to customers for a very small amount. All I am asking for is prove to me that I owe them and if I do, I will gladly pay. I am not trying to get out of what I owe but SHOW ME because I do not know how this charge appeared in my credit card in XX/XX/2020.
These Executive Credit Department ( apparently the HIGHEST level established by Macys to help customers with issues ) are not customer oriented.
I have been a customer of Macys for many years now but I have severed ties with them. After I pay my legitimate balance ( promotional financing ), I am done with them. NO RESPECT! NO CUSTOMER CONCERN! TERRIBLE!
Your assistance is greatly appreciated.
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| 12/14/2016 |
Yes |
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Web |
Older American |
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My Macy 's credit card was fraudulently used XX/XX/2016 for an online purchase sent to my home address ( that was not even on my current Macy 's account ). When I reported the problem, Macy 's fraud dept quickly handled it, instructed me how to return the purchase, which I did immediately ; closed my compromised card # and issued a new #, and credited my account for the full amount of {$230.00} on XX/XX/2016, as promised.
Over the last six months, Macy 's bad bookkeeping double-credited my account for the purchase, then compounded the problem by subtracting an amount ( that was not itemized ), yielding me a credit I did not own, and ( worse ) adding back the same {$230.00} purchase once it had all been settled ( they belatedly transferred all paperwork to my " new '' card XX/XX/2016 ).
In this process, they omitted from accounting the XXXX charge I did owe -- - {$170.00} -- -for the only purchase I charged during this whole period ( XX/XX/2016 ). No amount of trying to explain to at least XXXX separate divisions who have been calling me for the last three months has made them revisit the accounting errors that led to this, even though some of the clerks have obviously been looking at the same statements I have in front of me -- -that show the mistakes and my legitimate charge ( that is then dropped from all future statements ). We have not made any payment since XX/XX/XXXX, because the amount owed and penalty and late fees are not real.
What I do owe -- - {$170.00} -- -I will pay when it is properly invoiced, without late fees or penalty fees.
Of the XXXX or XXXX people with whom I have spoken -- -at length -- -on some of these phone calls, only XXXX had strong XXXX capabilities, and they switched me to other offices where the language comprehension deteriorated as the conversations demanded more nuanced skills of understanding the very obvious goofs. This has been incredibly frustrating, realizing no matter how far up the line I seem to have moved during these torturous phone calls, it is n't far enough to resolve the issue.
I am sure Macy 's is affecting my husband 's and my perfect credit rating that we have maintained through hard work and planning, for more than 30 years. I am furious that this shoddy bookkeeping and collections activity are threatening that good record.
Increasingly for two months, we have been receiving harrassing calls ( they are randomly through the entire day, from XXXX. to XXXX ) from XXXX different Macy 's numbers -- -some are dead air, others are placed by clerks using imperious tones to demand that I pay charges ( and late fees and penalties ) I do not owe ; at the same time, I have yet to receive a re-drawn statement showing what I do owe -- - {$170.00} -- - ( in spite of at least one promise from a caller 5 weeks ago that that would happen. Instead, on XX/XX/XXXX, I received the same old bill with more compounded late and penalty fees ).
One of the last callers was a man who called me by my surname until he got testy and impatient and started calling me by my given name -- -which I consider an insulting attempt to intimidate me.
I did tell the last XXXX callers I was going to refer all future contact to an attorney.
( When I tried to tell the last caller not to call me again, but to call my attorney -- -and gave her the phone number -- -she not only did not listen long enough to take down a number, she started screaming at me repetedly, " Are you filing bankruptcy? '' I told her bankruptcy had nothing to do with this issue, to call my attorney.
I am hoping, before I incur legal bills, that this appeal to CFPB might be successful in putting an end to my ordeal. I am sure, if my situation is published online, it will resonate with others who are in the same predicament.
I was a XXXX-year loyal customer of Macy 's before this happened. Now all I want to do is get this settled and out of my life. Poor Macy 's -- -they deserved a better end.
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| 10/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Here is my last message to Citibank, it explains all to well my dilemma : I have had nothing but The absolute worst banking experience of my entire life, most definitely time for myself to file multiple lawsuit 's, arbitration, civil cases and more. My attorney is already on board and has been to witness the horrific customer service the citibank staff has put forth. I opened my account and citi took my funds from my government check that i use to feed my XXXX yr old daughter and XXXX yr old son with just fine, yet now Citi is trying to tell me that i cant access my money because i don't have and can not afford a cell phone, they have denied my funds, they have belittled me, they have hung up multiple times, they habe slandered my name and caused deprivation of character causing my life harm!!! I have done everything I can to try and get my funds, asking and pleading, explaining my situation that my children will not be able to eat if my funds are heald, ive tried sending photos of my Identification card as well as my Social Security card. Yet Citi bank will not even listen or give it thought to accept. Citi has also charged me multiple wire transfers of XXXX $ twice charged because they deny my funds being sent to feed and shelter my children. Now citi has completely blocked my account with account number being ( XXXX ) My full name being XXXX XXXX XXXX, birthday of XX/XX/XXXX, social security number XXXX, adress of ( XXXX XXXX XXXX, XXXX XXXX, XXXX Nevada XXXX XXXX ), and Email adress ( XXXX ) You at Citibank have made my life miserable in the last 72 hours of banking with you. Im going to the media with this, and will be making sure the XXXX, backs me. Ive already spoken to a member of the FDIC regulations Board who was baffled and advised me that what Citibank is doing is 100 % illegal, and just morally wrong. I just want to be able to provide for my children and buy them some food and pay for necessities. I have a group of individuals nearly XXXX XXXX across the nation who follow my Music and media, these are close fans of mine that know how hard i work to help others succeed and be merry. I have already blogged and reached nearly 25 % of them, who are now angy, blogging and posting themselves about how horrific Citibank treats their customers. I said to one of citi banks supervisors, " what would you do if you were promised that you would be able to get tour funds from an employee of a bank, yet then they just heald them for no reason, and your children couldn't eat '' he replied to me " sorry about your luck but there is nothing we can do, and you can call back Monday, goodbye ''. As he hung up, this was Friday XX/XX/XXXX. Just one example of how horrible and mentally straining the Citibank staff is. So my one last shot is to reach out to the higher staff of this horrible horrible entity you all call a professional Bank ... Citibank, the hellacious, unprofessional, insubordinate, rude, institution i wish i never would have heard of, unfortunately ive lost years off of my life due to the last 72 hours of debauchery, named Citibank. With that being said, i beg, basically on my knees for one of you who make this bank Citibank mold together for help. Respectfully, professionally and in honest need i can not wait any longer for my funds, my children do not deserve this, i do not deserve this. Morally you know you could fix this, legally if you dont fix this we will pursue FULL prosecution and demand retribution and accomodations that will financially, and emotionally redeem the morbid pain and loss citibank has cause myself and my children. The ripple effect of this will interfere for years due to Citibank. In XXXX name i XXXX, there is at least one Human with a heart, soul, or grasp on ethics involved with Citi Bank. I pray .... XXXX bless. It would be greatly appreciated if this could be dealt with in a timely manor so my kids can eat. Good day.
XXXX XXXX XXXX Please help
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| 05/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I have a BestBuy Credit Card which has Citi Bank as the issuer. I first started using it back in XX/XX/XXXX. At that time, I had a promotional balance of {$240.00} which can be paid off over 6 months period without any interests charged. Hence, I planned my payment of {$42.00} per month, starting from XX/XX/XXXX, to be applied to this promotional balance. Meanwhile, I also paid full payments of whatever regular purchases I made during that statement period which has XX/XX/XXXX r XX/XX/XXXX of each month as the closing date. My statement balance due date is the XXXX of each month.
Now, 4 payments later, I saw a promotional balance of {$130.00} which didnt add up. So I contacted their customer service where I found out the big issue. I first was told that all the monthly payments I made would be first applied to any regular purchases. Then the rest of the payment amount would be allocated to my promotional balance. This sounded no problem. It made me wonder how come my calculation didnt add up. Then I had the agent help me to go over how the payments were allocated each month. There came the big secret. For example, XX/XX/XXXX to XX/XX/XXXX, I made a regular purchase of {$150.00} which was due on XX/XX/XXXX. My payment of {$190.00} was made on XX/XX/XXXX which allocated to both of my regular purchase amount as well as the 1/6 of the promotional balance. Next month, XX/XX/XXXX to XX/XX/XXXX, I didnt make regular purchases. Hence, only the 1/6 of the promotional balance was due on XX/XX/XXXX. So I made a payment of {$42.00} on XX/XX/XXXX to the XXXX statement, thinking it would be applied to my promotional balance. Not the case. The agent told me partial of that {$42.00} was made to two different purchases that I made on XX/XX/XXXX and XXXX. The was done once again later. My payment on XX/XX/XXXX was partially allocated to a purchase I made on XX/XX/XXXX, which you know, not due till XX/XX/XXXX.
At first, I just thought this was confusing. It totally messed up my plan. Then I realized, wait a minute, the purchases I made on XX/XX/XXXX and XXXX were not even due till XX/XX/XXXX. When I paid the payment on XX/XX/XXXX, there wasnt even supposed to have an official statement indicated these charges yet since the closing date was XX/XX/XXXX. My XX/XX/XXXX payment was dedicated to my XXXX statement. Why, in the world, did they allocate my XXXX statement payment to my XXXX purchases that had the due date in XXXX? If I had the due date on XX/XX/XXXX, who gave them the right to allocate that payment? Same thing to my XXXX purchases that had the due date of XX/XX/XXXX. They just allocated my XXXX statement payment to my XXXX purchase.
The biggest issue is, if the customers were not aware of this payment allocation system, their promotional balance would end up going beyond 6 months when interests could be added to the remaining balance. Then I did a little research found out, on the BestBuy website, customers did complain about the same situation where they planned for 6 months equal payments but didnt notice the discrepancy till the interests were added after 6 months. For his situation, he set up auto-payment. I will have to call this a rip-off.
The agent agreed with my concern saying that she would send a note to the management. I went back to read all the fine prints on their statements, I couldnt find any sentences related to how they allocate payment and how the payments can be distributed for each billing cycle. Most Americans have more than 2 credit cards and make multiple purchases a month. Their newly invented allocation system not only confuses consumers, but also applies payments to charges that are not listed, or shouldnt be listed, on the statements yet. If there is a closing date, the charges should not be listed anywhere else but the statement right after the closing date. This is unacceptable in so many ways.
The website where I found the complains : XXXX XXXX XXXX
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| 07/29/2015 |
Yes |
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Web |
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My credit card issuer, Citi Cards, has charged late fees and interest on a disputed item that Citi Cards itself later agreed was invalid. Although Citi Cards reversed the disputed charge, it refused to reverse the late fee charge and interest for nonpayment of the disputed charge. I paid all charges to my account, except one item I had previously disputed, and requested cancelation of the card. Citi Cards charged me a late fee and interest solely on the pending, disputed charge, and then in the same month agreed that my dispute was correct and reversed the charge but not the late fee and interest.
Despite letters and phone calls, Citi Cards continues to add monthly late fee and interest for nonpayment of the initial late fee that never should have been charged.
On one call XXXX XX/XX/XXXX XXXX, however, Citi Cards representative agreed that the interest and late fee charges were solely on the reversed charge ; that the interest and fee charges were incorrect ; that the charges would be reversed in " XXXX days '' ; and that the account would be closed with XXXX balance due. Both my husband ( XXXX retired XXXX ) and I were on speaker phone and heard the representatives statements. None of promised actions were performed by Citi Cards.
In all subsequent conversations and letters, Citi Cards has simply repeated " a late fee is assessed when your minimum payment is not received by the due date. '' Apparently Citi Cards takes the position that, as a matter of its policy, it does n't matter if the amount due or minimum payment is actually not due.
Citi Cards has falsely reported the status of the account to credit reporting agencies. As of XX/XX/XXXX XXXX report on the account stated, " Account closed at consumer 's request and disputed investigation completed. Consumer disagrees. XXXX days past due as of XX/XX/XXXX. '' Citi Cards has failed to report on XX/XX/XXXX, it agreed that the disputed charge had been reversed.
To substantiate my complaint I have included these documents : -Citi Cards XXXX Statement XX/XX/XXXX - XX/XX/XXXX, shows purchases of {$240.00} and an additional charge of {$95.00} for renewal of the card. Page 2 shows that the disputed seller XXXX had dropped XXXX of the disputed charge of {$190.00} or {$95.00} ; and that Citi Cards had extended " conditional credit for dispute '' of the other half or {$95.00}.
-Citi Cards XXXX Statement for XX/XX/XXXX - XX/XX/XXXX shows payment of {$290.00}, which fully covered the purchases on previous statement of {$240.00} and the new purchases on this statement XXXX p 2 XXXX of {$55.00}. The subsequent statements show that there were no additional purchases on the account. Also on p.2 it states it determined dispute to be " a valid charge. '' The was the only notice I received from Citi Cards that the disputed charge was upheld.
-Citi Cards XXXX Statement for XX/XX/XXXX - XX/XX/XXXX. The first charge of a late fee. Since at that time all purchases had been paid and the annual fee refunded, the late fee was for non-payment of the disputed {$99.00} that was reversed the previous month.
-Citi Cards XXXX Statement for XX/XX/XXXX - XX/XX/XXXX. Citi Cards reversed its previous reversal and provided a credit for the disputed {$99.00}. It did not reverse the previous month 's late fee for nonpayment of the disputed {$99.00}.
-Citi Cards XXXX Statement for XX/XX/XXXX - XX/XX/XXXX. Another late fee for nonpayment of the previous late fee for nonpayment of the disputed {$99.00}. Total now {$53.00}.
-Citi Card letter of XX/XX/XXXX.
-Citi Cards XXXX Statement for XX/XX/XXXX - XX/XX/XXXX. Another late fee. Total now {$89.00}.
-Citi Card letter of XX/XX/XXXX
-Citi Cards XXXX Statement for XX/XX/XXXX - XX/XX/XXXX. Another {$35.00} late fee. Total now {$120.00}.
-My letter to Citi Cards of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, explaining that the late fees and interest charges are solely for nonpayment of an amount that was not due.
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| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Im writing to request that the errors on my credit reports are removed. This is in regard to a Macys/DSNB Citi Card ( XXXX XXXX XXXX XXXX XXXX, OH XXXX ).
My credit reports show that this account status is Charge off and " CO '' has being reported monthly from XX/XX/XXXX though XXXX XXXX. This is an error. I confirmed this over the phone today with Citi Bank and they told me but the person on the phone could not help me fix it.
I paid this account in-full with a zero balance via a cashiers check on XX/XX/XXXX. I confirmed this on XX/XX/XXXX over the phone and again today.
My credit report should reflect this as being " paid-in-full '' as of XX/XX/XXXX and should not be reporting a charge off.
Please help me fix this. This error has cost me thousands of dollars already and will cost me thousands more if it is not fixed quickly as I'm trying to close on a house in the coming days.
For a full timeline : -In XXXX I was living in XXXX XXXX . I came home to visit one summer and I did some shopping at my local Macy 's where my godmother worked. I purchased just over {$300.00} of items, and I opened a Macy 's card to help my godmother 's quota that she needed to get. I used a store credit I got from returning some clothes as well as my debit card for the purchase. What I didn't know is that there was a balance left on the card of about XXXX
-In XX/XX/XXXX I received letter in the mail from " Client Services '' saying I owed {XXXX} XXXX I contacted Macy 's at XXXX They told me the bill was 219 days past due They told they couldn't help me because the files are locked.
They couldn't give any information including my account number or purchase information because the file has been sent to collections.
I tried to transfer the call to Citi Bank ( XXXX ) which failed, because they were closed.
XXXX I contacted Citi Bank Said they don't have anything on file for my social security number, Said to call back on Friday XXXX XXXX Contacted XXXX XXXX XXXX XXXX XXXX via citi bank ) Said they don't have anything on file for my social security number XXXX XXXX Contacted Client Services Told they have my account.
Told me my current balance is {XXXX} Told me the original purchase was {XXXX} Macy 's on XX/XX/XXXX - This matched the date of a payment from my chase account Told to contact Macy 's at XXXX XXXX XXXX Contacted Macy 's Citibank Given a number to call back : Internal recovery unit : XXXX ( and then transferred ) Told my original purchase was : {XXXX} - Minus a XXXX credit XXXX - At that time I paid {XXXX} on my debit card -Leaving a balance of XXXX ( which doesn't add up ) Late fees and interest increased it to {XXXX} She told me she could reduce the balance to the original amount ( Small balance ) and it would take 3-5 business days She told me to call back after that and pay the bill in full.
She told in order to request the debt be removed I should : - Mail : XXXX XXXX XXXX XXXX AZ XXXX Citibank ; XXXX.
Note, name and call back number - Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Attention Macy 's XXXX XXXX of everything with explanation Request to be removed my credit report I sent this right away, I still have a copy of the letter. They never replied to me.
XXXX Contacted Macy 's Citibank Confirmed new balance of {$65.00} Told my original purchase was : {XXXX} Got address for payment XXXX Contacted Client Services ( XXXX ) XXXX Told they cant do payment for deletion XXXX Contacted by Citibank via email XXXX Account closed message appeared on my account XXXX Called Macy 's Citibank and confirmed that on XX/XX/XXXX everything was paid in full, zero balance XXXX Called Macy 's Card Services told me they can't help me and to instead to call Citi Recovery Department- XXXX Called Citi Recovery Department- Told they can't help me and need to call Internal Recovery Unit- XXXX -Called Internal Recovery Unit- They told me they could not help me and I should file a dispute.
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| 12/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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My name is XXXX XXXX and I am the XXXX of XXXX XXXX, a wholesale distribution company in Illinois. I XXXX XXXX XXXX in XXXX and have been doing business with Costco since XXXX. I XXXX XXXX from Costco then XXXX XXXX XXXX. Since XXXX I have been the number # 1 customer of their XXXX location store # XXXX in illinois if not the whole state, with purchases over {$20.00} XXXX a year from Costco. A couple of years they were even North of {$30.00} XXXX.
Last month my Costco Citibank visa account was closed without any reason provided. i got the letter in the mail five days after the account was closed. I have made my payments regularly and never been late. When i called the Citibank customer service they did not know why it was closed and told me they were not required to give me a reason.
My problem with them is if they wanted to close the account, they should have given me at least some transition time so i could arrange for an alternative for my customers till we figure this issue out. They also closed after 11 months of my rebate earned on my account, so that they don't have to pay {$270000.00} they owe me for the whole year. The manager of the location XXXX was very apologetic over it but said it is not in his hands.
I have emailed the CEO of Costco and Citibank, all i got was a letter from the executive response unit stating i made too many payments on the account in excess of {$9.00} XXXX from XX/XX/XXXX till XX/XX/XXXX. I have to charge the account daily and make payments daily for me to continue to do business. But none of the payments have been late or have bounced. Since when did making payments on the account became an issue. The charges and payments are all electronic.
I have been doing business the same way since XXXX and they never had an issue before. Even if they did had an issue all they had to do was tell me and i would have adjusted accordingly. They also stated that the rebate earned the whole year is held by them and if they close the account the rebate is forfeited. They don't want to pay my {$270000.00} they owe me in rebate rewards. They paid last year over {$300000.00} with me running the business the same way.
Upon some research i found out that there are a couple of small companies that Citibank is doing the same thing to. They are listed as follows.
XXXX XXXX XXXX amount owed {$37000.00} XXXX XXXX XXXX XXXX amount owed {$29000.00} Ironically all the owners of the other two companies and me happen to be XXXX.
There are other XXXX XXXX with non XXXX owners still operating and using the card the same way we do.
I want Costco and Citibank to come good on this and reinstate as i have been nothing but an ideal customer with them over past few years, and pay me and the other two people the rebate they owe. Citibank also has an Arbitration clause in their agreement so there is no class action law suit against them.
I get no answers from Citi customer service. They did not even give me a copy of the signed agreement I signed during initial setup. I am getting no responses or answers from them. My account rep sent me an online link to the Credit card agreement which does not even mentions the forfeiture of the rebate.
I feel this is happening to me because I am a XXXX and Citibank was recently sued by someone in New York for discrimination.
The link they provided for the agreement is as follows.
https : //www.citi.com/CRD/PDF/CMA/cardAgreement/Costco_Online_CMA_0118_vf2.pdf My company has almost shutdown because of this with very little business credit available on other cards. Same has happened to the other two companies one is out of business because of this and the other one is also almost done. They will be filing a separate complaint on this website separately as well.
They also closed my personal XXXX XXXX mileage mastercard with XXXX points, that i had since XXXX. I only used that for personal stuff and did not carry a large balance on.
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| 02/26/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In accordance with the Fair Debt Collection Practice Act FDCPA, If a consumer dispute a debt requesting the collection agency to validate the debt, the debt collector must stop all collection and reporting until it provides validation of debt. On XX/XX/XXXX, I sent CITIBANK N.A. a letter agreement # XXXX XXXX XXXX XXXX XXXX XXXX XXXX via UNITED STATES POSTAL SERVICES requesting validation of an alleged debt account ending in XXXX # XXXX XXXX. I requested, 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; of the alleged debt with accordance to the General Accepted Accounting Principles ( GAAP ).
2. Produce the account and general ledger statement showing the full accounting of the alleged obligation that CITIBANK is attempting to collect. Such as ; XXXX XXXX balance sheet ( XXXX # s XXXX XXXX XXXX ), 1099 XXXX report, XXXX registration statement, XXXX prospectusXXXX XXXX & XXXX call schedules A complete payment history documented from original creditor. This requirement was established by the case Fields v. Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX USCA-02-C-0072, 7th Circuit Court , XXXX XXXX.
3. Verification of their claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 4. Proof of the actual account receivable 5. Proof of the existence of an alleged account and/or contract in the actual flesh and blood name of XXXX XXXX XXXX duly signed and witnessed by both parties and both seals, not a unilateral agreement and upon which signed page there is reference to the entire agreement.
6 requesting to also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2020 and what actions s/he has taken in relation to this account.
CITIBANK did not provide the above mentioned documents to validate the allege debt, but yet still continue to report to the consumer reporting agency and attempting to collect a debt from me. On XX/XX/XXXX 2023, I sent another letter agreement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via UNITED STATES POSTAL SERVICES requesting them to send me debt validation documents of the alleged debt, still no documents have been provide. But continue to report to the consumer reporting agency and are attempting to collect a debt.
Furthermore, CITIBANK is also in violation of my federally protected rights of the Fair Credit Reporting Act FCRA, by continuing to report information on my consumer report that has not been validate pursuant to 15 US CODE 1681s-2 ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Duty to correct and update information ; 15 US CODE 1681s-2 ( 2 ) ( B ) If a debt collector has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Additionally, CITIBANK also violated me pursuant to the FDCPA 15 US CODE 1692b ( 2 ), 15 US CODE 1692b ( 5 ), 15 US CODE 1692d ( 2 ). PLEASE SEE ATTACHED EXHIBIT
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| 09/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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THIS COMPLAINT IS AGAINST XXXX, an XXXX XXXX CITI BANK 'S XXXX XXXX. THIS COMPLAINT HAS ALSO BEEN FORWARDED TO THE CA ATTORNEY GENERAL 'S OFFICE. THIS IS NOT A DUPLICATE COMPLAINT. THIS COMPLAINT SHOULD NOT GO TO XXXX. I REPEAT, THIS COMPLAINT SHOULD NOT GO TO XXXX. THIS COMPLAINT IS AGAINST XXXX, AN XXXX AT CITI 'S XXXX XXXX WHO HAS REPEATEDLY ABUSED HER POWER CLOSED ALL MY CREDIT CARDS IN ORDER TO FEED HER EGO. THIS IS NOT A DUPLICATE COMPLAINT. I HAVE ATTEMPTED TO SPEAK TO HER MANAGER BUT SHE REFUSED TO LET ME SPEAK TO HER MANAGER BECAUSE SHE DOES NOT WANT TO LOSE HER JOB. THIS IS NOT A DUPLICATE COMPLAINT. THIS COMPLAINT SHOULD REACH SOMEONE HIGHER UP THAN XXXX. I REPEAT, THIS COMPLAINT SHOULD REACH SOMEONE HIGHER UP THAN XXXX.
Citi Bank closed all my credit credit cards for apparently using " profane language '' with their phone operators. One of their branches called me and told me my SSN DL are all invalid and fake, so I would need to visit the Bank branch. I felt it was a scam call because I had my checking account with them for months and all of a sudden this kind of a call, it was very suspicious, I was having a few issues with their credit card dispute department. I wrote a few complaints to the CFPB separately for all the issues.
XXXX, the name is XXXX, The XXXX XXXX XXXX from CitiBank whose name is XXXX called me and said I am lodging too many complaints via CFPB and asked me to not lodge any further complaints because all my complaints were going to her desk. She showed frustration over the phone for her workload. I asked to speak to her manager, but she did not let me. She said she has a manager above her but I can not speak to her manager. XXXX eventually closed out all the three CFPB complaints without addressing the concern.
I again lodged a new complaint via CFPB and XXXX went ahead and CLOSED the complaint without addressing the concerns but instead warning me to stop using abusive language to their phone operators and branch operators.
I again lodged a complaint via CFPB telling them that since the last time I spoke with XXXX at Citi 's exec office I did not even call their customer service number not even once, the last time I visited a Citi Branch was over 6 months ago so how is it possible all of a sudden I used profanity to their customer service operators.
This morning I noticed all my Citi credit cards stopped working, I called CitiBank they said XXXX closed all my credit cards. I lodged another complaint with CFPB telling them all my credit cards had been unfairly closed, XXXX got that CFPB complaint closed marking it as duplicate.
I called Citi 's XXXX office and spoke with XXXX, I again asked for her manager and she said she is the highest point of contact. She said I was lodging too many complaints via CFPB so it was too much for her to handle so she closed all my credit cards. She indicated this same frustration over the phone two weeks ago. When she realized that what she was saying was lawfully wrong and unjust, she said I closed your cards because you used profane language with our phone operators. I told her that since the last time I spoke with you 2-3 weeks ago I did not even call your customer service number, not even once, I have not visited any of your Citi branches for about 7 months now, so how's it possible all of a sudden I used profanity to your customer service operator. XXXX said I do not like the way you talk to me so I closed all your credit cards. XXXX then hung up the call on me.
XXXX and Citi 's XXXX XXXX department informed me that no matter which government platform I use to escalate this, all my complaints would eventually reach XXXX ( Analyst at Citi XXXX XXXX ) and there is no way to get past her. All of my complaints against CitiBank via CFPB have gone to the desk of XXXX by default and CFPB has made it clear that they can not do anything about it. THIS COMPLAINT SHOULD REACH SOMEONE HIGHER UP THAN XXXX.
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| 02/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am writing regarding billing dispute XXXX. I am absolutely appalled at the documentation Citibank provided me.
First of all, this item was purchased on XXXX for {$8.00}. I disputed it on XXXX for {$8.00}. In the dispute, I clearly wrote the tracking number, that the package was lost, and that I had filed a claim with the post office ( this would have been for the lost documents ). The receipt from XXXX clearly lists it is for postal service. You can see the total payment requested was {$45.00}. The amount they paid me was {$53.00}. I deposited the check on XXXX. The claim with the post office was filed on XXXX and the dispute was opened well over a week later on XXXX. I figured Citibank would work directly with XXXX since they are an authorized postal location to verify that the package was lost. XXXX provided no supporting documentation other than the receipt. Did Citibank even provide XXXX with the reason for the dispute? They should have cross-referenced the tracking number and it would have resolved the problem. And, Citibank clearly could have taken the tracking number, entered it into USPS tracking, and found that I wasnt lying about the lost package. It is a legitimate dispute. XXXX also should have done more work on their end to resolve the problem and should have provided you with better documentation. Did you even alert them to the tracking number and my filed claim with the post office? It is really listed in the dispute.
In addition, the notes the Citibank dispute employee has written dont even make grammatical sense. It looks borderline illiterate. Why is Citibank employing people that dont even know how to properly write a sentence?
Finally, I literally dont understand why I wasnt notified about this problem months ago. I could have gotten Citibank supporting documentation of the claim with the post office. It is Citibank 's ethical responsibility to follow up on disputes. Then, when Citibank paid it out and I realized they ( XXXX ) were actually reimbursed for the postage as well and not cross referencing my dispute with Citibank, I could have withdrawn it. Why in the world would Citibank issue me a credit, also pay the merchant, and then take the amount and write it off? Why is Citibank issuing me a credit, then a conditional credit, then a permanent credit with no documentation required? This implies Citibank has followed up with the merchant and they agree with the dispute, which Citibank did and still failed to reverse it. And, if the Citibank employee coded that what I did was against the law, why on earth would Citibank not alert me to the problem? I listed it as goods not expected/received. You list examples of goods/services not as expected on your website as receiving something different than what was ordered, being unhappy with the service, the terms and conditions of the sale are not met, or ordering a specific brand and receiving counterfeit items. If a customer is doing something incorrectly, especially if you are going to say it is illegal, Citibank has an obligation to alert the customer and not let it pile up. If the package was not delivered as agreed under the conditions of priority mail, it is totally valid. The only reason why I even found out about this was when I withdrew every dispute with XXXX for the year because I wanted them to take accountability for false advertising, not properly processing refunds, and failing to issue refunds. I have addressed this in another CFPB complaint, XXXX is reimbursing me within the next week, they are working on fixing the problems within the store, especially the problems within their meat department chain-wide. I went as far to go to three different stores, took pictures of every step, and e-mailed it all to their district manager. Now he also gets to deal with this...
Citibank 's dispute process totally needs to be reevaluated. I have never been so disillusioned with a company in my life.
|
| 12/04/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I have been a XXXX customer for 16 years. I made a purchase on XX/XX/XXXX, couch sectional. The representative that was helping us, stated I can apply for a no payment or interest for 12 months. He did not state that the interest would be deferred for 12 months. I applied and was immediately approved. At the time of purchase, the sales representative ONLY gave me a receipt. I was not even required to complete a credit application to quality for the Special Promotion. There were no disclosure ever provided to me, not at time of purchase, nor by mail.
The couch was delivered on XX/XX/XXXX but there were significant damages. We went through multiple returns and on XXXX is when we had the entire couch available to use. I have been paying {$300.00} every month to my macys credit card. The allocation of that payment was being credited towards the regular transactions and not to the 12 month special event. Again, I thought that it was because a payment was not due for 12 months, hence why my payments are not being allocated to that balance. According to a recent email from XXXX if you wish to have an excess payment transferred to the Special Event Account prior to the last two months, you are required to call our Customer Service Department at XXXX and request that your payment be reallocated. Again, I wasnt provided anything in writing about the terms of this promotion nor that I had to call them in order for my payment to be allocated to the couches. I paid {$300.00} a month, why wasnt it equally allocated between the regular purchases and the special event account.
I was planning on paying off the entire balance upon the expiration of the promotion. I knew the expiration was sometime in XX/XX/XXXX/XX/XX/XXXXdue to the fact that's when our couch was available for use. On several occasions in the month of XXXX, my mailbox was burglarized. A lot of mail and several packages were stolen. We have been working with the USPS and local police in trying to resolve the situation. I did not receive my XXXX statement. I paid off the couches on XX/XX/XXXX.
On XX/XX/XXXX I received a statement and {$1500.00} of interest was assessed to my account. Right away I called and said there must be a misunderstanding, I didn't receive my statement last month, I want to pay of my card in full, but please adjust the interest to only reflect from the promotion expiration date to today ( XX/XX/XXXX-XX/XX/XXXX ) even though we didn't receive our couches until XX/XX/XXXX. Representative said no, I asked to speak with a manager, XXXX sales rep XXXX took over. She stated that the promotion starts from the date that couches are delivered and fully functional, not damaged. The couch was delivered on XX/XX/XXXX but there were significant damages, we returned it. We went through multiple returns and on XXXX is when we had the entire couch available to use. She said that no payment for the couches have been received since the purchase ( which is not true, I made a payment every month for an entire year for {$300.00}, never late ) I also asked how the interest charge calculation was calculated, and she said she didn't know since it was done by a computer.
According to a recent email from XXXX Beginning on the statement for the billing period ending XX/XX/XXXX, information regarding your Special Event balance was printed on page one ( 1 ) of all of your statements, along with a payoff date of XX/XX/XXXX. The payoff date for your furniture purchase is based on the date it is posted to your account. Page 1 of the statement never stated the Deferred interest, instead it only stated the amount of the purchase. I was under the impression that interest will start accruing at the expiration of my promotion instead it was deferred. Page 3 of the statement, had a deferred interest column, but again I was under the impression that thats the interest I would have been paying if I didnt have this special even promotion.
|
| 04/12/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XX/XX/XXXX when I called the CITI bank customer service regarding a closed account XXXX, the citi representative told me that the bank closed this account back to XX/XX/XXXX. I have NO any knowledge and I never received anything regarding this closing account. I spoke with CITI rep named " XXXX '' about 30 minutes regarding if the bank can re-open this account in order to receive a incoming direct deposit on XX/XX/XXXX. She told me to go to branch. However when I went to branch, the branch rep told me to call XXXX number. ON XX/XX/XXXX when I called the bank rep regarding the current dispute issues, I was told by the bank rep that this bank is in process to close all my account and mail me the remaining balance by check. Because I had same experience with XXXX who stole my funds and closed all my accounts in XX/XX/XXXX and XX/XX/XXXX. So I went to CITI on XX/XX/XXXX to ask them when they are going to close the accounts and why, however they never give the exact the time. On XX/XX/XXXX I told the bank rep that the government is not willing to update the bank account info and ask them to re-open the account XXXX in order to receive the refund because its bank 's fault. I also asked the bank to responsible the lost incoming refund {$500.00} because the bank closed my accounts at their own discretion. I have clearly told the bank that all dispute items are still valid. Not just because the bank close all my accounts that I can forgive bank 's fault. CITI bank must return the following dispute items plus my incoming refund {$500.00} on XX/XX/XXXX.
1. You never pay me promotional bonus {$400.00}, {$100.00}, {$500.00} & XXXX thank you points. As the promotional offer stated that the offer was for new account NOT new customer. The offer specifically indicated for existing savings plus account customer. In XX/XX/XXXX there were two new checking accounts which was linked with new savings plus account & new deposit.
2. I can not submit a new bill payment. As I stated that I submitted a bill pay {$740.00} on XX/XX/XXXX which was before the due date XX/XX/XXXX. This problem caused by XXXX county and another retaliated bank in XX/XX/XXXX. As national bank, you must responsible for this extra cost {$150.00}.
3. In XXXX your representative XXXX choose to close my debit card which I did NOT agree with. Therefore you must responsible for my time and cost ( {$20.00} ) to pick up the card at XXXX facility.
4. I am asking {$50.00} wire transfer fee to be back because my deposit was NOT safe due to the theft activities happened in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX a unknown person opened new Citi account by using my information. However your fraud department did NOT respond when I notified them. Since my deposit and transaction information were not safe, then you should responsible for {$50.00} wire transfer fee because the wire was NOT delivered on XX/XX/XXXX - XXXX per recipient. I had great concern that the funds were delivered to someone else. That 's the reason I put a review request.
5. {$280.00} dispute on two transaction : one was XX/XX/XXXX {$110.00} plus {$25.00} plus {$12.00} ( NO fee replacement transaction ), {$110.00} charged twice plus {$25.00} fees plus {$36.00} photo fees from same merchant. On XX/XX/XXXX I returned merchandise back to merchant.
6. Another dispute was XX/XX/XXXX {$140.00} ( merchandise was expired and returned ) due to constant dangerous harassment in the XXXX county, Maryland. On XX/XX/XXXX your citi rep told me merchant returned back {$140.00}, however 5 business days passed you never put {$140.00} back to my account.
7. {$3400.00} foreign exchange rate loss in XX/XX/XXXX. The exchange rate was {$1.00} to XXXX, however I was only given {$1.00} to XXXX.
8. {$20.00} unauthorized charge was canceled during pending stage on XX/XX/XXXX.
9. {$9.00} fraudulent checks which were cashed by another bank on XX/XX/XXXX and XX/XX/XXXX. I need my {$9.00}.
|
| 07/28/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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When I applied for a Citibank Citigold account on XXXX XXXX, I had applied using a promotional code I found on the Citibank website ( attached ), which promised XXXX Thank You Points in exchange for meeting the terms and conditions set forth. I was approved for the account and Citi sent me a disclosure indicating what the requirements for meeting the terms of the agreement. The next day, on XXXX XXXX, I found another offer on the internet with a bonus of XXXX points. So I logged into my Citi account and sent them a short message asking if I could instead obtain this bonus. They said no, but they made no mention that I was ineligible for the existing XXXX point bonus I 'd signed up for. This would have been the perfect opportunity to say, " I 'm sorry, but it seems that you do n't actually qualify for this offer because you were n't " targeted. '' Surely Citi knew at that time my offer code was one that came from the Internet. But Citi did not do this. I received my debit card soon after. However my PIN number never arrived, so I could n't activate the card and start using it to make the online bill payments in two consecutive months within 60 days of opening the account. I was worried that I might not have enough time to meet the terms, so I called Citi and requested a new PIN number around XXXX XXXX. While I was on the phone, the helpful Citi representative reminded me what I needed to do in order to receive the bonus. This would have been the perfect time to say, " I 'm sorry, but it appears that you were n't targeted for this offer, so you wo n't be receiving any Thank You points. '' But he did n't. Instead he assured me of what steps I 'd need to take to receive the offer. I told him that I was afraid that because the PIN was so late in coming, maybe I would n't be able to have two consecutive bill payments in the first 60 days. He said he 'd make a note in my account and be sure that I 'd still be able to receive it, strongly implying he both considered me eligible and that I 'd have more time. I was finally able to activate the card and fund the account on XXXX XXXX. ( see statements ). I submitted bill payments on XXXX XXXX and XXXX and XXXX XXXX, within 60 days of funding it ( as the representative I spoke with said I must do ).
Certainly if Citi realized I was ineligible for the promotion I signed up with, they should have just told me BEFORE I met the conditions and started paying monthly fees. But, never did Citi indicate that I had been denied until took the initiative on XXXX XXXX to contact Citi to ask when the points would be posted. But neither of these things happened. Instead, Citi took my $ 30 monthly fee and gave me no indication that I would not be receiving the sign-up bonus until six months after I 'd signed up. This is deceptive.
On top of that, in XXXX, when I sent a series of secure online messages to ask about this, Citi repeatedly told me that I was ineligible because I was n't targeted. However, they did n't address any of my questions about how Citi had already indicated either directly or indirectly on multiple occasions that I was eligible, even if I was n't targeted. They should n't have posted the notice on their website if they did n't want targeted people to apply. Anyone can run a web search and find it. Unfortunately it does n't seem to be active anymore. I asked twice for representatives to elevate my complaint to a manager. One time, they merely re-investigated and declared me un-targeted, thus ineligible. On XXXX XXXX, 2016 they said they 'd elevate it again to a manager, but I 've heard nothing from them in the last week. I feel like they 've been dragging their feet, hoping to get more monthly fees out of me ( next one 's due in a couple days ). Now I 'm follow through and submit my complaint to the CFPB in hopes that Citi will actually hear me. I 've searched your databases and it seems many other people have similar complaint
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| 02/22/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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ATTENTION LEGAL DEPARTMENT AND CREDIT DEPARTMENT FOR MACY 'S AND BLOOMINGDALE 'S XXXX XXXX!
MONDAY XXXX XXXX, XXXX : Call Time 36 Mins and Counting : 1 : Currently on the Phone with XXXX XXXX XXXX XXXX XXXX XXXX " XXXX Florida XXXX Credit Department . Was advised he is attempting to contact the " Employees Credit Department '' : 2 : Was advised " All '' Seasonal Employees Accounts and Pre-Paid Cards are automatically terminated regardless of Billing Discrepancies, and Or Credit Coding issues once an employee leaves the company. The Card is " NO LONGER VALID '', NOT EVEN FOR continued use even after employment has ended. This is the case " only '' with " Bloomingdale 's '' Department Store Employee Accounts, and NOT w/Macy 's. Macys does not have that policy. Macy 's Pre-paid Credit cards are still valid to continue to use even " without '' the employee discount. Bloomingdales should have adopted the same compliance and policies with regards to the same method for the use of their Pre-paid cards to continue to use without canceling the entire card out entirely.
" THE EMPLOYEE SHALL CONTINUE TO USE THE PRE-PAID CREDIT CARD WITHOUT THE CODING FOR EMPLOYEE DISCOUNTS ''. HOWEVER, " VALID POINTS - THIS IS A VIOLATION AND DISCRIMINATION AGAINST SEASONAL EMPLOYEES AND A VIOLATION OF ALL EMPLOYEES OF BOTH MACY 'S AND BLOOMINGDALES EMPLOYEE CONTRACTUAL ARBITRATION REGARDING EMPLOYEE 'S " BENEFITS AGREEMENTS ''!
I did apply for a regular Bloomingdales card but due to a Protected " Security freeze '' I personally placed on my account. In stead I was inadvertently, grossly affected and my security freeze was held against me and the Credit Department never did a follow-up as " Instructed '' for them to due to continue processing the credit application, so instead of the credit department decided to take the easy way out and sent me a Pre-Paid Card instead. If They had done the job to investigate correctly they would have seen and known that my Macy 's, American Express Card ( S ) etc, were on file and I was therefore a credit worthy person. I was told it was a " Computer '' that makes the credit discussions, and I responded back advising that they should " NOT '' rely solely upon a " Computer '' to make their credit decisions because they were incapable of making Correct Valid Human Judgment discussions. Accordingly to the FTC All Human Beings have the " Right 's '' as govern by law to object and override all computer data entry file errors! 3 : My " Argument '' again is that even once the cards issued from " Bloomingdale 's Department Store '' Pre-Paid Cards are " CANCELED '', it 's canceled and " REFLECTS POOR '' STANDING ON THE EMPLOYEE 'S CREDIT REPORT BUREAUS FILE. Once accounts are " Canceled '' it has a " Negative '' Stigma and affect on the employees credit report files!. If they are cancelling out credit cards it should be reported as in Good Standing! Now I will Pay the entire amount since the proper credit HAS BEEN FINALLY issued, but not until I receive a correspondence back from the Legal Dept regarding Canceled Closed accounts advising a better resolution regarding my Pre-Paid Bloomingdales Credit Card is open and active and OR Upgraded to a regular revolving BLOOMINGDALES CREDIT Card with the Minimum credit line.
A ) CREDIT ISSUED IN AMOUNT OF {$86.00} 36 % OF THE {$240.00} total corrected Balance due amount will take 72 Hours from todays date XXXX XXXX, XXXX. The Credit was again NOT Issued for the Purchase of the " MATTRESS Bed Purchased from Bloomingdales '' B ) On XXXX XXXX, XXXX, I Paid XXXX Purchased a " Mattress from Bloomingdales '' PAID ON MACY 'S EMPLOYEE REVOLVING CREDIT CARD, WHICH IS APPROVED AND CODED FOR CROSS SHOPPING. AGAIN NO EMPLOYEE DISCOUNT WAS CREDIT FOR THIS PURCHASE! UNTIL EFFECTIVELY TODAY XXXX XXXX, In the amount of {$400.00}. ON sales check number XXXX. C ) I, Was forced to make payment with the Macy 's Employee card because " Bloomingdales
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| 12/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am writing to request the removal of a negative 30 day late status currently listed on the Citibank account of my credit report. I believe that I was never late in paying Citibank and the late status should never have been reported to the credit bureaus. To explain : In XXXX of 2018, I received the XXXX Citibank credit card statement with an annual fee of {$95.00} ( and a {$0.00} balance other than the annual fee ). I called Citibank at the end of XXXX to close the account because I did not want to pay the fee. The Citibank rep said she would waive/credit the fee. In order to keep the fee waived/credited, I agreed to spend {$95.00} within the next 30 days. On XX/XX/XXXX ( well within the 30 days ) I spent more than {$95.00} ( and proceeded to spend over {$1200.00} that period ).
In XXXX of 2018, I received the XXXX statement - the {$95.00} fee was still listed on my account statement. I called Citibank to see why the fee was not waived/credited and still on my statement. The rep looked up my account and read the account notes and confirmed that the fee should be waived/credited and also noticed that I spent more than the {$95.00} agreed upon. The rep assured me again that the fee would be waived/credited. I checked online several times in XXXX - not seeing the fee being waived, I called several times to rectify - and finally was assured that the fee was waived/credited.
In XXXX of 2018, I received the XXXX statement - the {$95.00} fee was finally waived/credited, but now there was a late fee and interest charges from the {$95.00} annual fee that was supposed to be waived/credited in XXXX. I called Citibank to discuss the late fee and interest charges - this time asking to speak with a supervisor. The supervisor reviewed my account and agreed to credit all late fees and interest charges. A few days later, I checked my Citibank account online and late fee and interest charges were credited back to my account.
In XXXX of 2018, I learned that Citibank reported to the credit bureaus that I was 30 days late in XXXX. I called Citibank again - again asking to speak to a supervisor. I told the supervisor that my main concern was the negative " 30 days late '' mark now on my credit report. The supervisor reviewed my account and stated that she would have a letter sent to the credit reporting agencies to remove the late payment from my credit report. Shortly later, I received a letter from Citibank stating that my account has been in good standing for the last 12 months and that I have followed the terms of the card agreement.
Unfortunately, the 30 day delinquency remains on my credit reports. This should never have happened for a number of reasons : 1 ) I asked Citibank to close my account ( if it was closed there would be no annual fee and therefore no late status on my credit report ) 2 ) Citibank told me the annual fee was waived/credited ( if it was credited/waived there would be no annual fee and therefore no late status on my credit report ) 3 ) The only amount that was " late '' was the {$95.00} annual fee that was supposed to be waived/credited ( if it was credited/waived there would be no annual fee and therefore no late status on my credit report ) Finally, I have never been late paying a bill - not with Citibank or with any other company. My wife and I have worked tirelessly to maintain excellent standing with the credit bureaus - both of us having FICO scores over XXXX. My credit score has plummeted from XXXX to XXXX due to this unfortunate circumstance. I am seeking your assistance, your humanity, and your kindness with getting this matter resolved ASAP. I am beyond concerned about the impact this will have on my business and on our ability to secure a good mortgage in the next 6 months for our growing family of XXXX. Please remove the late payment from the credit reporting agencies. Thank you in advance for your assistance with this very detrimental matter.
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| 08/25/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Using a debit or ATM card
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Web |
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I made a purchase from an online merchant on XXXX/XXXX/XXXX as a holiday present. The merchant never fulfilled the order, despite contacting them via email on numerous occasions. I contacted Citibank in XXXX to contest the charge and sent in the requested documentation to open the investigation. Due to possible mailbox tampering at my residence and after not receiving a reply from Citibank regarding the investigation, I followed up with them in XXXX via phone and they told me to submit new documentation to reopen the investigation ( they had mailed me in XXXX, but I had n't received the letter ). I mailed Citibank the requested documents regarding the unfulfilled purchase and on XXXX/XXXX/XXXX was given a provisional credit for the purchase while they looked into the matter. I told all Citibank representatives that I spoke to that I was having difficulties with my mailbox at my address and travel frequently, so if they could reach out to me via email when they have updates on the dispute ( or need me to submit additional documents ) that would be preferable. After not hearing back from them regarding the dispute, I contacted Citibank and they explained that they 'd mailed a letter requesting additional information. As I had n't received their letter, I let them know that I could mail them the requested documents the following day. The representative said they would make a note on my case and they 'd extend the allotted time to submit this paperwork. I mailed in my additional documents the day after speaking with the Citibank representative. Citibank mailed me a letter on XXXX/XXXX/XXXX notifying me that they were closing the case since they had not received additional documents in " a timely matter '' and would be charging me for the provisional credit. I called Citibank again asking why they could n't follow up on the dispute as the last representative had told me that they 'd be extending the time permitting me to send in my additional documents. This Citibank representative told me to ignore the last letter sent to me as it was likely sent out before they had received my additional paperwork. On XXXX/XXXX/XXXX Citibank sent me another letter saying that they could n't do anything in regards to the dispute as all the requested information was not sent to them in a timely matter. I called Citibank again, this time speaking to an account specialist representative who, after listening to the entire ordeal, instructed me to resubmit all my paperwork to reopen the dispute. This representative gave me his name and employee number, but never a direct line to reach him ( all attempts to reach him after this time were unsuccessful ). Claiming to be my point of contact who would help me with this dispute, he made note that I travel frequently and may not see mailed letters until after the required date. He said that the dispute process can take up to 90 days, and I would be contacted if they needed further documentation. I mailed all requested documents to reopen this dispute on XXXX/XXXX/XXXX. I called Citibank today, XXXX/XXXX/XXXX, as I had not heard back from them regarding the investigation. They claimed that on XXXX/XXXX/XXXX they 'd mailed me a letter saying that they could not assist with the investigation as the charge is now over 6 months old. I demanded to speak to an account specialist who explained that they were obligated to reopen a dispute if I asked, however the dispute would always be rejected because I had n't submitted additional documentation back in XXXX XXXX when they 'd initially asked for it. In contacting Citibank on numerous occasions, I 'd received varied ( sometimes conflicting ) answers and in one case the wrong XXXX XXXX XXXX for submitting additional documents. Due to this, I 've spent a lot of wasted time, energy, and money in trying to combat a {$21.00} charge that they never intended to credit me for past my initial failure to follow-up in XXXX
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| 10/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have continually tried to rectify the information reported to the credit bureaus by my Citibank credit card. I tried disputing first through XXXX only to get a letter saying Citibank was not in error. Ive attached the letter dated XX/XX/XXXX This is my second attempt through the CFPB site. Citibank did remove the late fees from my account and the late payment report for the month of XXXX however, my credit account now shows late payments for four months instead of the three fales reports that I was initially contesting.
My report intially stated I was late for the months of XXXX ... now it states I was late for the months of XXXX Please see below as I copy and pasted the info posted on XXXX Payment Info Status Past due 30 days four times Status date XX/XX/2020 Past due amount {$180.00} Highest balance {$7600.00} Monthly payment {$110.00} Late payments XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 On XX/XX/2020 - I recieved a late notice in the mail with a late fee of {$40.00}. The late notice was for the month of XXXX which I had originally set up as a Covid deferral in XX/XX/2020 XX/XX/XXXXhowever, Citibank neglected to process the deferral. I called the number on the late notice and spoke with XXXX Emp. # XXXX. She could not understand why I was getting a late notice because I had requested that my account be put on covid relief for the months of XXXX and XXXX. According to the notes she was reading in Citibanks system that was the information she was seeing as well. XXXX told me to DISREGARD THE NOTICE! She also told me if I didn't make at least a PARTIAL PAYMENT soon, my account would be reported late for the month of XXXX as well. I asked her if a partial payment of {$50.00} would keep my account out of collections and she said YES it would, so I made a partial payment of {$50.00} over the phone.
Citibank has reversed the intial report on XX/XX/XXXXstating I was late for the month of XXXX because Citibank neglected to process the XXXX deferral as requested and promised. I've attached a letter from Citibank dated XX/XX/XXXX stating that my {$50.00} payment had been processed on the due date of XXXX, XXXX. It says nothing about being late and as highlighted says nothing amount a balance due for the month of XXXX ... .which is what XXXX Emp # XXXX had promised ...
It was also during the call on XX/XX/XXXX that XXXX Emp. # XXXX put my account on deferral as a customer service offer for the months of XXXX/XXXX. I then got a notice in the mail dated XX/XX/XXXX saying my account was put on defferal for the months of XXXX and XXXX. ( See attached ) My account is due on the XXXX of each month ... I made my XXXX payment today on XX/XX/XXXX so how could my account be reported as late if its not even due yet? ( See attached ) XXXX - Why should my account be reported late if I was told by a Citibank representative ( XXXX Emp. # XXXX ) that if I made a partial payment of {$50.00} it would keep my account going into collections for the month of XXXX? I also received the attached letter! Read Citibanks notes! Listen to Citibanks recording or both!
XXXX/XXXX - Why should my account be reported late if I received a letter from Citibank stating my account was placed on deferral for the months of XXXX/XXXX? It clearly states that there would be no late fees assesed and no negative reports made to the credit report comanies ( see attached ) XXXX - Why should my account be reported late if I paid the balance due today ( see attached receipt ) eight days before the due date of XX/XX/XXXX.
I have spent numerous hours on the phone and chatting online with CitiBank representatives trying to rectify this issue. Citibank did finally remove the late fees placed on my account and reversed the reported late payment for XXXX however, the late payments reported for the months of XXXX need to be reversed!
Please contact each of the reporting agencies to reverse the FOUR late payments.
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| 05/24/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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On XXXX XXXX, XXXX, my Macys store credit account was compromised by someone in XXXX when a fraudulent transaction was made in store for {$1100.00}. I live in XXXX, XXXX and never been anywhere near XXXX. I was made aware of this situation when I went to purchase XXXX gifts for my children and received an email from Macy 's stating that my order had been cancelled. I immediately logged into my account since there was plenty of credit line available to XXXX that a charge was made in the XXXX XXXX XXXX store for {$1100.00}. This transaction should have declined since it would have placed my account over the limit but they allowed this XXXX to go through and did not approve my purchase. I immediately called on XXXX/XXXX/XXXX and reported the fraud to Macy 's credit services in which they closed XXXX my Macy 's store account and Macy 's XXXX account and reissued new cards. They stated they could not see the charge but assured me that it would be handled and investigated but might take up to 90 days to process. As ridiculous as that timeframe sounds, I am still dealing with this today XXXX/XXXX/XXXX. When they closed these accounts, I stopped receiving online access to statements and payment options which was how I pay all my bills. I was advised that I would not be able to login online unless I activated the new cards since the balance was transferred to the new card numbers. I told them I refused to activate another card with them since I was not going to become a victim of fraud by their company again. They assured me that I would receive paper statements instead and have not received a single statement to this date. I did not receive any Fraud investigation forms until XXXX XXXX, XXXX in which I immediately filled them out and faxed to the number on the form for faster processing according to the company. I received a successful fax confirmation so I know the forms were in fact received. After speaking with numerous representatives on numerous occasions, I was finally told by XXXX on XXXX/XXXX/XXXX that the fraud claim had been CLOSED as of XXXX/XXXX/XXXX which is ridiculous since every other representative I spoke with would tell me the same old story. It can take up 90 days to process, call back in a couple weeks. Meanwhile, I was still making payments when this first happened since I did have a small balance on the account however, they never removed the {$1100.00} fraudulent charge from the account which was causing my minimum monthly payment to be at least {$75.00} per month which is way more than I should have to pay since interest was still accruing on a fraudulent charge and my minimum payment on a balance of maybe {$250.00} should have only been around {$15.00} to {$20.00} per month. On XXXX/XXXX/XXXX, XXXX reopens the fraud claim, escalates the claim and says I should receive something in the mail soon but could not tell me when. She apologized repeatedly and said to not make any payments until after investigation was complete and a clearing letter would be sent to all XXXX bureaus and fees waived. I called several more times to check and speak with XXXX on XXXX/XXXX/XXXX and am told that the investigation is still ongoing and that I should receive a clearing letter by the end of XXXX XXXX. Still no clearing letter and my credit report is now showing 4 months past due when I have no statements or letters about the investigation. Nothing at all from the fraud department. I call and get put on hold with rude reps and told to call numerous numbers to reach the fraud department to no avail. I have disputed with the credit bureaus only to receive notice from Equifax today that Macy 's states this is all accurate and staying on my report. I have ZERO late payments on all my credit accounts but this XXXX. I want a resolution to this issue, my credit report corrected and to be told exactly what I do owe and I will gladly pay it and never do business with Macys again.
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| 07/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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My account with Citibank Best Buy XXXX began around XX/XX/XXXX. Before unemployment and illness due to XXXX in XXXX of XXXX, I had been a customer in good standing with all payments on time nearly 100 %.
After XXXX of XXXX, I faced unpleasantries with unemployment and health matters. I made contact with customer service on XX/XX/XXXX to discuss options available to me, submitted a payment of {$90.00} and was told I would be further contacted with a program that was available. I heard nothing further. Additional attempts to contact customer service led to the phone system reporting that agents were unavailable and to call later.
During this time, I began being reported as late on my account and interest began compounding. Further, my late payment charges grew from $ XXXX to $ XXXX. I had been told that this would not happen with the proposed program for what I was supposed to be receiving more information on.
I finally got hold of another customer representative on XX/XX/XXXX, submitted a payment of {$88.00} and again requested assistance to prevent charge off or any further negative reporting. I was again told that my account was under review for a program and I would be mailed information. Again, I received no further information.
My focus was dedicated to finding stable employment when illness struck again and I was hospitalized and in rehabilitation through XXXX of XXXX. Upon returning home under threat of eviction, I found that Citibank had charged off my account, sold it to a collection agency and would have no further contact with me directly.
In late XXXX, after recovery, I again made contact with Citibank and was told that I was now ineligible for relief as the account was in with third-party collections. I was told this would not happen.
No promises made by Citibank were ever executed upon.
I was contacted by XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX and was offered a settlement to make good on the debt. While Citibank was citing a balance of {$3500.00}, they were offering me to pay off the debt within 90 days at a reduced balance of {$2100.00}. As Citibank had already marked the account as a charge off as they had promised not to do, I executed on the settlement and fulfilled it on XX/XX/XXXX to make progress.
On XX/XX/XXXX, I submitted a letter to Citibank requesting for the account to be reviewed in regard to the charge off and the lack of promised support. I graciously asked for assistance and Citibank responded on XX/XX/XXXX with a form letter that inferred that they had no idea what I was talking about in regard to the account.
Since XXXX of XXXX, I have spoken to customer service several times, submitted payments to stay accountable and eligible for relief programs and Citibank never followed through.
I am now submitting my next request and offer via the Consumer Financial Protection Bureau as it has now become a complaint as to Citibank and its representatives making promises that remained unfulfilled.
Citibank closed and charged off my account in XX/XX/XXXX at a balance of {$3500.00}. This balance included late fees and interest in the amount of {$1000.00} charged AFTER I requested assistance in XX/XX/XXXX through XXXX of XXXX. Citibank has collected {$2100.00} from me through a third-party and written off the situation.
I am offering to make a payment of {$380.00} to Citibank which reflects the difference in balance between Citibank 's final statement to me and what collections were accepted as settlement LESS interest and fees imposed AFTER I requested assistance which never came through.
This offer is provisional on the following : 1. Citibank agrees to accept this payment as satisfying the debt in full.
2. Citibank agrees to not list this debt as a paid collection or settled account.
3. Citibank agrees to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ).
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| 07/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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What happened was as I went to my annual credit report I noticed I had a lot of hard inquiries which dropped my credit score tremendously. I have 6 inquiries from XXXX XXXX here are the dates XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with this company I called them and they refused to remove them because they said they were accurate and I told them that I just noticed them on my report and have no idea where they came from and they said we are sorry but it says they are yours so there yours. XXXX XX/XX/XXXX I called them and they told me that this would be removed in 5 days and this was over a year ago and still on there. Next one is from XXXX/XXXX on XX/XX/XXXX I had others removed from my account from the XXXX company format and they were supposed to remove all of them and thus this one still remains and I dont no why.then on XX/XX/XXXX there were multiple inquiries on this day one XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX. And I told these companies I dont even drive why do I need a auto loan I 'm on XXXX due to XXXX and a fear of road rage. And they told we are sorry for the incovence we will remove these inquiries from your credit asap and yet they still remain.XXXX/XXXX is I 'm assuming a loan company which I 've never heard of and they showed up on my report on XX/XX/XXXX I tried contacting them and they said they would look over it and return my call still no response. On the date of XX/XX/XXXX I noticed two of the same account from credit plus either a credit card or a loan company that ran my credit with out my knowledge they informed me we are sorry but we can not remove it until the time lapsed to full years. One main XX/XX/XXXX is not correct I applied to that company in XX/XX/XXXX for money for my kids XXXX and they desided again to run it in XX/XX/XXXX of the following year without my knowledge somehow. XXXX XXXX XXXX XX/XX/XXXX is a incorrect account since I used this company from XX/XX/XXXX until XX/XX/XXXX for college and I graduated and they said I applied for another school loan which is inaccurate. XXXX/XXXX on XX/XX/XXXXthis I 'm assuming was ran on my credit and XXXX two was ran from the XXXX credit card company on XX/XX/XXXX and XX/XX/XXXX which I called them and said these inquiries are incorrect I have a credit card through your company already why would I apply for the same credit card. And they told me sorry sir we will fix this as soon as we review that u indeed have a credit card through our companies which I indeed do have a store credit card through them and they still have not removed the info. Then from XXXX XXXX I had a inquiries from XX/XX/XXXX and one on XX/XX/XXXX for the same thing a credit card which which at this time I already had a credit card which I only wanted to use to build my credit so I could establish enough good standings so I could purchase a descent home for me my wife and kids and yet all these inquiries kept popping up hurting my credit scores and pulling me under water along with another creditor but this time was a loan company that I already taken care of. And the company is called XXXX XXXX for a 4 year old account for XXXX dollars and they removed it from my account as closed and current back on in by another creditor as passed due and derogatory and opened. Then this year I went and got another loan from the same company called world finance and they gave me a loan so if I so didnt pay my debt why would they issue me another loan for more money and they said they ai n't sure what is going on. So I tried all I could do to support my family and I on my XXXX check and get a home and still these people keep dragging me down and running me in the ground. So as my last resort I am reaching out for help once again to get them to be removed and have them leave me and my family and credit alone. Thanks so much and God bless.
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| 11/24/2015 |
Yes |
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- Settlement process and costs
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Web |
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On XXXX/XXXX/XXXX I entered into a Deed In Lieu agreement with Citi Financial on property I owned for 23 years. At that time, I had a XXXX mortgage balance of {$96000.00} and a XXXX mortgage balance of XXXX. The agreement was that XXXX XXXX & XXXX mortgages would be dissolved in this transaction and I would have XXXX balances for both loans. On XX/XX/XXXX, I discovered that the XXXX mortgage {$96000.00} and XXXX mortgage {$23000.00} were reported to all ( XXXX ) credit bureaus as a full blown Foreclosures, not a Deed In Lieu of Foreclosure. I immediately contacted Citi Financial and told them that both mortgages were showing up on my credit as a Foreclosure and that this was not the agreement we made. I was and still am EXREMELY upset about this because the property was now in the possession of CitiFinancial and they sold it XX/XX/XXXX. Since XX/XX/XXXX, I have spoken to numerous Citi Financial representatives and they all agreed that the transaction was not handled properly and that they will escalate to management and get this problem resolved quickly. I have been disrespected and poorly handled as a US citizen and consumer. I went to the local branch in XXXX, XXXX and this Deed in Lieu option was a suggestion of the Branch manager. At the time I met with the Citi Financial branch manager about my options of getting rid of the property, I WAS NOT AT RISK OF LOSING THIS PROPERTY. At the time of this Deed In Lieu of Foreclosure transaction, I was living in XXXX with my husband. I had irate tenants in the property and they were refusing to vacate the property. The Citi Financial branch manager suggested that the Deed In Lieu of Foreclosure vs Short Sale would be the best option for me and that both XXXX mortgage ( {$96000.00} ) and XXXX mortgage ( {$23000.00} ) would be dissolved and I would have XXXX balances on both loans. The branch manager also said that since I was living out of town and the property would be owned by Citi Financial, I would not have to deal with the irate tenants. The Branch Manager also stated that by doing a Deed in Lieu of Foreclosure, I would not have to be in town to sign off on this transaction, they would overnight the documents to me in XXXX. Citi Financial sent the Deed In Lieu documents to me and I signed off on them on XXXX/XXXX/XXXX. I had a long consumer relationship with Citi Financial ( 15+ years ), therefore, I trusted that the company had my best interest at heart and that they would handle this transaction within honesty & integrity and follow the consumer fair lending and ethical lending codes. I have been violated as a XXXX citizen as well as a consumer. I know my rights because I work for a well-known Financial Institution in the mortgage lending area. So, I am well aware that I have been VASTLY violated and deceived by Citi Financial. This issue has RUINED my credit for the past 22 months and I PLEAD with you to HELP ME GET THIS RESOLVED Quickly. This issue has affected my finances to the point that I ca n't buy a car or borrow any money. Up until XXXX/XXXX/XXXX, I had great credit and had no problems purchasing anything. Now I have no buying power because of how unfair and unethical Citi Financial has handled this transaction. I SEEK CORRECTION ON MY CREDIT REPORTS AND RESTITUTION FOR THIS ISSUE. Citi Financial has promised for approximately ( 2 ) years now that they will correct this situation, but as of today ( XXXX/XXXX/XXXX ), all ( XXXX ) credit bureaus are reporting that I am owing {$22000.00} to Citi Financial and that I am 180+ days past due. Citi Financial has also assigned a new loan number to this account as if it were a new loan. They are also making hard inquiries on my credit to the point that it looks like I took out a new loan with them, but I NO LONGER OWN THE PROPERTY. THEY SOLD IT IN XX/XX/XXXX. PLEASE HELP ME GET THIS ISSUE RESOLVED. THANK-YOU!!!! I AM DESPERATE. IN NEED TO BUY A NEW CAR & CAN'T.THANKS
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| 12/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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Approximately, mid-XXXX, XXXX, I went to withdraw a modest {$100.00} from my savings account from the ATM. My card came back out with a slip stating that I had an insufficient balance. I went into the bank to find out that my savings account which was linked to my checking account had been wiped clean. Further investigation showed that my Sears account, which is a Citibank card, had been used without my consent for purchases made in Georgia to the total of {$16000.00}. I immediately called Sears and blocked my card as well as closed my checking account. I received written notice that Sears was investigating the fraudulent activity and that I was not responsible for any of it. Since then I have received my Sears statement and it appears to have been reversed as well as my money is back in my checking account. Within two days, I was contacted by Citibank about my Diamond Preferred card and that someone from Georgia requested that a card be expedited to them. I explained that I have not authorized any other users on my account. Apparently, a card was sent to this person who had a hard time verifying my information when trying to activate the card, so he was sent a letter from Citibank and when he called back, somehow he was able to activate my card. Please keep in mind that I, the account holder, never received a new card. I was told that I should only respond to written communication from Citibank from that point on. I received a letter with a reference number on it, which when I called Citibank, they had no matching reference number. I asked to make a payment on both cards, my Diamond Preferred and my Thank You card and I was told that both accounts had been blocked so I couldn't do anything at that point. Citibank has reached out to me, on the phone, many times and the first thing they request is my credit card number. I've explained that I don't have the new account number as I never received a card, then they want my Social Security number which I refuse to give out anymore, in light of what has taken place and then I'm told that they can't help me without one or the other. I was fortunate enough to have someone ( XXXX ) on XX/XX/XXXX who was able to find my account by using my home phone number. Once he opened my account he passed me along to XXXX in the Early Warning Division who was probably the most helpful person so far. He told me that after Citibank had expedited the other person my new credit card, that they blocked the account and didn't send me one, which I found to be unusual. XXXX informed me that my case has been sent to their Security Service Division and their phone number was provided to me. He said they would either email or send me written correspondence to discuss this situation. He also told me that the individual who has my credit card has now run up a new total of approximately {$96000.00} which is amazing considering that my card has a credit limit of {$13000.00}. I notified the Credit Bureau of this situation in XXXX and they said a one year fraud protection service had been put in place. My most current statement shows a balance of {$36000.00} +/- as of XX/XX/XXXX which means the individual has been able to somehow continue to charge on my account if the current balance is truly {$96000.00}. As a result of this, all of my credit cards, ATM cards and banking account have been changed at least once, some twice. My credit score has dropped almost XXXX points due to this activity which is very bothersome as I have worked very hard to get it up to where it was before this all took place. I would like this to be rectified as soon as possible so that I can pay off these accounts and get back to some sense of normalcy. I am truly disappointed in Citibank 's lack of interest in the handling of this situation, I feel as though I am just another number to them and they don't care how much this has disrupted my life, both financially and personally.
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| 09/03/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I am writing to complain about ineffective and deceptive banking services provided by Citibank : Citibank enrolled me in Checking Plus, a deceptive and predatory product ; provided me inadequate assistance when I indicated concern about my account ; provided me notices in a language I do not understand ; and failed to investigate fraud I suspected occurred on my account.
In or around XX/XX/XXXX I noticed on my statement that I was enrolled in a product called Checking Plus ( " CP '' ) and that it appeared I had taken out a {$3200.00} loan. I did not recall consenting to the opening of the CP account, so I went to XXXX XXXX XXXX, XXXX, my local Citibank, to inquire about CP. The branch employee told me that CP was merely a loan offer. I understood CP to be a conventional loan, and I thought I would have to request money at a branch to utilize CP. The bank employee did not explain that Citibank would automatically transfer money to my checking account if I had a negative balance, or that I would be charged fees and interest without prior notice from Citibank.
I told the representative that I only spoke XXXX, and I plainly brought in a statement in English. Citibank did not offer to provide XXXX notices at this time. During the next three years, I continued to reach out in XXXX about problems with my accounts and request statements in XXXX -- both via phone and at my local branch -- but I was never offered XXXX statements or notices. The bank 's failure to provide information in XXXX has made it impossible to fully understand my accounts or address my concerns with the bank.
During the next two years, I continued to bank as I had in the past. But because I was misinformed about how CP worked, I accumulated at least {$260.00} in fees and {$3400.00} in debt-at least {$630.00} of this amount in interest. Because my paycheck is deposited on Fridays, on Saturdays I would check my balance and then withdraw funds from my checking account for the upcoming week at my local branch ATM. I would never withdraw more than the displayed balance. With legal help, I recently learned that an automatic {$50.00} transfer to my saving account processed on Monday morning would overdraw my checking account. Instead of notifying me of the negative balance, Citibank automatically borrowed {$100.00} from the CP account at a 18.25 % interest rate and charged a {$10.00} fee.
Each month I reviewed my statement to ensure my account balances looked correct. Because the fees and loan payments often neared the amount lent from CP to my checking account, I did not realize that I was borrowing money. But between XX/XX/XXXX and XX/XX/XXXX, I spoke with Citibank representatives multiple times about the CP account because I was concerned after reviewing my statements. I was assured multiple times that CP was merely money that was available for me to use, even though all along I was actively borrowing money. Nobody explained that Citibank had already transferred money to my checking account, charged me fees, or made automatic payments from my checking account. I also brought up suspected fraud on my accounts but Citibank did not look into the fraud at any point in time.
I realized that I was in substantial debt because of CP XX/XX/XXXX after I went to withdraw money and my checking balance was much lower than expected because of automatic payments to the maxed out CP account. I again brought up this issue with Citibank representatives : even after speaking to representatives in Spanish, I received written replies in English, which I could not understand. I am now in collections on this account, and continue to receive notices in English.
Citibank failed to explain this product to me or address my concerns, and has made it impossible for me to effectively bank by communicating with me in English. Because of Citibank 's CP product, I accumulated significant debt, fees, and interest without my consent.
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| 05/11/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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The most unpleasant, unfair experience with my financial institution, Citibank. I n early XXXX XXXX i received my bank statements for XXXX and XXXX XXXX . I noticed multiple charges on my statements that did not make any sense to me, on XXXX XXXX , XXXX i went into my loc al Citibank bra nch and went over my statement periods that were mailed to me with the branch manager a t the time which was XXXX XXXX , and we filed a fraudulent claim with the fraud department. I was told by th e manager that the fraud service unit will be contacting me XXXX XXXX , XXXX between the hours of XXXX . Never received a call so went back to the branch about 2 w eeks later to talk to the manager a nd see what is going on and he wasnt there. went in again about a week later and he was there, when i spoke to him and explained that the fraud service unit has not tried calling me nor did they call on the day they said they would, his response to me was " they must be working on the investigation they will contact you if they need anything. '' I said ok. Two months later i get a call from a lady saying my account was ovedrdrawn a few hundred do llars and the account is going to be closed while talking to her i explained that i have a fraudulent claim in action right now how can that be? She looks up my information and tells me " i dont see there being a fraudulent claim filed. '' With working and moving and helping out my sick father, many months passed me by. Went back to the branch XXXX XXXX , XXXX and explained to the ne w manager what happened and we went over my statement periods that i was claiming and the total added up to {$29000.00}. Immediately Branch manager and I started filing my fraud cl aim right away. Then the person from the fraud department says he will contact me the next day, he never did. He contacted me 2 days later which was XXXX XXXX , XXXX . He tells me that the cu rrent manager of the bank now said there was close to {$64000.00} dollars fraudulent taken and i explained there was not that much fraudulent taken, i was asked how much did you come up with and i said around {$29000.00}. XXXX XXXX , XXXX manager said we need to open up an account for you so they have somewhere to start dumping the money into, so we opened up a simple savings account, few days later that account was closed not to my knowledge nor the branch managers knowledge. Now the fraud department tells branch manager on the pho ne that we are going to send him a check in the mail for the amount of {$16000.00} dollars. Waited and checked the mail for 2 w eeks and nothing, left messages for fraud dept. no return calls. Went back to the branch again and ha d manager get hold of fraud department and they said its out of our hands, have to take it up with the dispursement department so now i leave this guy multiple messges finally calls me back and tells me there is no check being mailed to you do to the amount of time that passed, i explained i originally filed my claim back when i was suppose to but nothing was done on citibanks end when i was made to believe there was and then the first manager all of sudden is no longer working for citibank something doe snt smell right. The last letter i got from citibank was received on XXXX XXXX , XXXX and it states after final adjustments were made you will be due an amount of {$200.00} and that will be mailed to you in a form of a check. we now consider this investigation complete. I was never informed about being able to have an Ombudsman associate help out with my claim. The branch that is giving some of the problems located at Citibank XXXX XXXX XXXX XXXX , Ca XXXX People involved are : Citibanks First Branch manager XXXX XXXX Citibanks cu rrent Branch manager XXXX XXXX XXXX Citibanks disbursement department XXXX XXXX Citibanks fraud de partment XXXX XXXX XXXX
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| 04/11/2016 |
Yes |
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Web |
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My credit card company, CitiBank, continues to find ways to impede how much money I can spend on my card each month. They have to give me " points '' back for my purchases, but they only gave me a {$320.00} credit limit. I still use it quite a bit, but they abuse their terms and conditions ( or at least that 's their defense ) to prevent me from spending money during the month. They only allow me to make 5 online payments a month on the card, but they only allow me to make and or schedule payments equivalent to what THEY declare is my " current balance ''. If I charge {$300.00} on my card on a given day, but it does n't display on their webpage yet, I ca n't schedule a {$300.00} payment. They simply refuse to let me make and or schedule a payment for that amount until it fully shows on my account. This is even though they already approved the payment to the merchant, and therefore KNOW the charge has gone through. I ca n't even schedule a payment for the charge for the day that its going to hit my account, I have to wait UNTIL the date it shows on my account to even make or schedule a payment.. Then, if I send a payment, directly from my bank 's bill pay system, they put a hold on the payment. They used to tell me they put a hold on the payment if it exceeds the current balance when they receive the check, but apparently, not anymore. They received a payment of {$240.00} on XXXX XXXX, and even on XXXX XXXX, it has n't posted yet, even though it shows posting on my account, it does not yet affect my available balance. My credit card has been declined, I think, 3 times since then for amounts less than {$20.00} each. They do n't even show a hold on my account on their web page ( I guess they want to be even more covert about their fraud than they were in the past, as it used to show the hold on the web page ). They 're playing games with my account to prevent me from spending more money to save themselves from paying me points and such. They claim the ambiguities in their " terms and conditions '' justify their actions, but in XXXX v. XXXX XXXX, it was confirmed that such ambiguities are in violation of California Business and Professions Code section 17200 ( et seq ). Basically, they claim because the agreement says they " may '' do something, they can do it whenever they want, but that 's exactly what the court struck down in XXXX v XXXX XXXX. I 've had this credit card for like 5+ years and I 've never submitted a false payment, yet they put holds on my payments? They 're just making up rules and procedures and overall, extremely limiting the amount of points I can earn on my card per month and year. They are limiting it to such a degree that I would argue they are violating their terms and conditions. Nowhere did they clearly state that there is a limitation on my points I can accrue based upon their defunct policies. Usually, when they put a hold on a payment i submit to them, they hold it for upwards of like 10 days. Which means, I can only spend a maximum of about {$960.00} worth of points per month ... which is n't written anywhere. If considering their online payments, I can only acquire about {$1600.00} worth of points per month, something that also, is n't written anywhere. They have offered to increase my credit limit, but only if I allow them access to my credit report ( as if they are blind to my usage of their card ) .I have refused because I 'm still entitled to acquire points, and if they did n't illegally abuse their processes, I would n't need to.Or they could just increase my credit limit, but they refuse to do that unless I appease them too. Their refusal to provide me with with the full use of my credit card and credit card account is absolutely unacceptable and I would love to see them prosecuted for such behaviours. Or, worst case secenario, keep records of this to show their pattern of evil. I 've complained to them before they do n't care.
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| 02/20/2016 |
Yes |
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Web |
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This complaint is about a {$1000.00} credit card transaction from XXXX/XXXX/2016. Citibank is incorrectly coding the transaction as a cash advance instead of as a purchase. The item purchased was a gift certificate.
I 've called Citibank 's agents at XXXX multiple times in XXXX 2016 to resolve this issue. They tried to deflect blame for this issue to XXXX or the merchant.
But it is Citibank that is engaging in UNLAWFUL and unethical practices.
According to California CIVIL CODE SECTION 1749.45-1749.6 ( a ) It is unlawful for any person or entity to sell a gift certificate to a purchaser that contains any of the following : ( 1 ) An expiration date.
( 2 ) A service fee, including, but not limited to, a service fee for dormancy, except as provided in subdivision ( e ).
...
I called XXXX on XXXX/XXXX/2016 at XXXX regarding this transaction and they said it was coded as a regular purchase. XXXX did not break the law. But Citibank is because they attempted to collect a service fee ( a cash advance fee is considered a service fee ) for this gift certificate purchase along with interest. Furthermore they are reneging on obligations to award cash back reward bonuses for this purchase. Citibank is doing business in California ; they must follow California law regarding gift certificate sales and purchases.
On XXXX/XXXX/2016 I called Citibank and spoke with XXXX. She said her manager was going to recode this transaction from a cash advance to a purchase. I inquired also about the interest fee and XXXX said everything would be resolved in 2-3 business days. However, 3 days later, they only issued a credit to the cash advance fee in the amount of {$50.00} and they did not refund the interest fee. And the transaction was NOT recoded as a purchase.
On XXXX/XXXX/2016, I called Citibank at XXXX and spoke with an account manager XXXX who said she would be able to refund the interest charge of {$6.00}. I inquired about the cashback reward for this transaction and XXXX said that it would be ineligible.
Citibank 's agents are behaving inconsistently with regards to this matter. The ones from XX/XX/XXXX said everything would be taken care of, and as of XXXX/XXXX/2016 they have yet to follow through. On XXXX XXXX, 2016 I made a similar purchase at the same merchant that was not listed as a cash advance by Citibank. It is unlawful for Citibank to collect cash advance fees from California customers for gift certificate transactions.
Furthermore, Citibank has engaged in acts of false advertising by saying that the doublecash rewards card is " The only card that earns you cash back twice on every purchase with : No Category Restrictions, No Caps, No Enrollments in Rotating Categories '' because they applied a different automated rule to one transaction compared to another even though the merchant is the same and the types of goods are the same in both transactions. I received a cash back bonus for the XXXX XXXX 2016 PURCHASE, so I should also receive a cash back bonus for the XXXX XXXX, 2016 PURCHASE which Citibank incorrectly coded as a cash advance. Again, their agents from XXXX XXXX promised to recode the XXXX XXXX 2016 transaction as a purchase and reneged on their promises. On XXXX when I called and spoke to XXXX account managers, XXXX and XXXX, they behaved like the transaction should still be regarded as a cash advance. If that 's the case, why did XXXX offer to refund the interest charge? XXXX even suggested that I call XXXX AGAIN about the transaction and have them redo the transaction even though I already called them on XXXX XXXX and XXXX said they coded the transaction as a purchase.
Citibank 's agents should have recoded the XXXX XXXX 2016 transaction as a purchase as they promised. Citibank is failing to provide their agents with the training and tools to resolve customer issues. I am disputing this {$1000.00} credit card transaction from XXXX/XXXX/2016.
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| 09/13/2016 |
Yes |
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Web |
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I have a department store card with Macy 's, who is misapplying payments to their gain. The account has a regular revolving portion, but they also offer 12-month no interest promotions for large purchases. I have been told repeatedly that payments and credits get applied to the revolving account first. XX/XX/XXXX, the balance due by XX/XX/2016 was paid IN FULL for all purchases that had not otherwise been returned by that date. We also paid and additional {$100.00}, which we were planning to allocate to the interest-free balance once payments posted. However, when we got our statement ( closing date XX/XX/2016 ), I was shocked that we had more than {$800.00} in the revolving balance, due on XX/XX/XXXX. We did not make anywhere near that amount in new purchases. After reviewing the statement I found that they had arbitrarily and mistakenly applied most returns and payments ( {$510.00} ) to the no-interest balance. This left a huge balance in the revolving account making it eligible for interest charges, to Macy 's benefit.
I have had several lengthy conversations with multiple representatives in multiple departments to no avail. I called customer service on Thursday XX/XX/XXXX and they were clueless on what to do. I asked to be transferred to the credit department and the woman who answered had no clue how to make sense of the statement either, so I asked for a supervisor. I was then transferred to XXXX XXXX ( supervisor ) who could n't understand what was happening either. I had to explain multiple times what the issue was before she understood what was happening. How does a supervisor not know how to read a statement? Even when she got what the problem was, she still did n't know how to fix it. She was supposed to call me on Friday XX/XX/XXXX but she did not call back with any answers.
On XX/XX/2016, I left a messages for both XXXX at XXXX, as well as for XXXX at XXXX. Sick of the getting the run around form Macy 's, I also filed a complaint with the XXXX on XX/XX/2016, to which Macy 's did not respond.
On XX/XX/2016 with the help of the XXXX, I finally got ahold of a woman by the name of XXXX XXXX at XXXX and was told the account would be audited and I would hear back from her within two weeks. She also assured me that any interest charges would be reversed since this is a problem they have dragged on, not me.
She never got back to me so I tried reaching her today, XX/XX/XXXX, to no avail. I left a voicemails for her but I work during the day so when I ask to get off early to deal with this problem, I ca n't just sit around waiting for a call. I called the front desk at XXXX and asked if I could speak to XXXX XXXX, but was told she does n't take incoming calls. This is interesting since she took my call before when the XXXX intervened and she personally gave me her number for me to reach her, but now she suddenly does n't take incoming calls. I asked if someone else could help and was transferred to XXXX XXXX, who was not familiar with anything on the matter and could not help in any way. Apparently the person who transferred me just wanted to pass the buck. XXXX also promised to call back, but my confidence is low based broken past promises.
The problem is simple, yet Macy 's had to conduct an audit and still ca n't figure out that XXXX was posted to the wrong account on XX/XX/2016. Just looking at the " Activity and Details '' on page XXXX of the statement ending XX/XX/2016 makes this painfully obvious to anyone with eyes, yet multiple professional representatives ca n't figures this out?
According to the XXXX site, and confirmed by XXXX XXXX, Macy 's gets these types of complaints all the time. As I feared, there was an interest charge on the account on XX/XX/XXXX for {$20.00}. The first of many if this problem drags on. Maybe these are n't mistakes, but a deliberate scam to make more money by Macy 's who ca n't seem to keep their stores open.
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| 07/21/2015 |
Yes |
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Web |
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This is regarding a Citi Cards ( Citi Bank ) deceptive and fraudulent practice. My account was at a XXXX balance and I was offered a balance transfer offer at 0 % interest for about 18 months ( until XX/XX/XXXX ). I thought that this was a good offer and decided to take it. I read the terms/conditions and called Customer Service no less than XXXX or XXXX times to get clarification on said terms/conditions. I was told that the offer was good for the time period stated and I would not be charged any interest on the transferred balance during that time. The numerous Reps that I spoke to also clarified the terms regarding new purchases-that if I paid the Outstanding Balance of any new purchases by the statement due date then I would not be subject to any interest charges and that interest on new purchases would only apply if I did not pay for all purchases on the due date. That is why I decided to take the balance transfer offer since I would not be subject to interest charges until XXXX and I would not be subject to interest on purchases if I paid the purchases by the statement due date. This is what the terms/conditions stated and what was clarified numerous times by their Reps before I took the offer. I transferred a balance of {$3900.00} and a 3 % balance transfer fee ( {$110.00} ) was assessed for a total of {$4100.00}. After taking advantage of the offer, I also made purchases during that billing period for around {$1600.00}. Upon receiving my statement I also again spoke to several Reps regarding the amount that I needed to pay to avoid interest charges since the Payment Due Amount was a minimum payment of {$75.00}. And I was told the same thing every time-that I needed to pay all new purchases in order to avoid interest. Some Reps added the {$75.00} minimum payment to the new purchases while some did not. However, to be on the " safe side '' I added the {$75.00} minimum payment to the purchases and made the payment of {$1700.00}. When the new statement for XX/XX/XXXX due arrived, I noticed that there were interest charges on my account which should not be since I had made my payments as required. Now I am being given a host of different answers as to why there are interest charges on my account. There should not be any charges for interest for that billing period and I can not believe that a company like Citi Bank would apply these blatantly fraudulent charges to my account. Now they are trying to tell me that I have to pay the entire balance in order to not be charged interest. Why would I take this offer if I were expected to pay in full the 0 % balance transfer amount which they stated was good through XX/XX/XXXX? This should not be allowed. You can not say one thing and then apply another and expect us to pay for this. I specifically asked about all this before I took the offer and made purchases. XXXX Rep even stated that my statement/account would reflect a breakdown between the balance transfer and the purchases and I would know exactly how much to pay. Sadly, that was not the case which was the reason why I had to call in so many times after I received the statement in order to get a determination on the actual amount that needed to be paid by XXXX. I try to be a good customer, I pay my bills on time and only want to be treated fairly and for Citi Bank to honor its obligations just like I honor mine. That is not asking for too much. How do they expect me to pay an entire balance that was stated to me would not be subject to interest charges until XXXX months later. If I was n't told this, do you think I would bite off more than I can chew? No, I do n't do that. Nothing was mentioned that I could n't use my card for purchases at the same time. They just like to tease the customer with all these veiled offers and pull the veil away later. Not fair at all! This is a fraudulent and deceptive Bait and Switch practice which must not and can not continue.
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| 05/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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On XX/XX/2022 around XXXX I received a text message from what appeared to be from my bank ( Citi Bank ) asking if the charges were mine, they were from an XXXX XXXX in Fl XXXX I texted back NO and then received another text saying the fraud dept would contact me shortly. Within 1 min my phone rang and the number was spoofed to my banks phone number. I didn't give any personal info, the rep sent me a code via text like they usually do when this happens and I read it back to him & then he started to go over my last few transactions, while he was doing this I received another text saying I was XXXX {$2400.00} to someone I didn't know so I told the rep on the phone and he said yes he could see it as well and if we moved quickly he could reverse it. He then instructed me to go into my XXXX and he put a contact in my account that had my name on it and told me I would be XXXX the money to myself and then he would reverse it and put it back into my account. I followed the instructions and did what he told me to do, he then said I didn't do it correctly and instructed me to do it again which then added up to {$4900.00}. I then clicked back onto my mobile bank app and that's when I discovered not only did the {$4900.00} came out, but now there was another bank account linked to mine and another {$5000.00} was taken from me so I got nervous and hung up and immediately called my bank and they told me I was scammed! Also during this time I received an email from my bank that someone had just tried taking out a personal loan in my name and an email from XXXX XXXX that someone tried taking out a {$300000.00} mortgage in my name as well. I reported all of this to my bank, the police, the XXXX, my credit bureau, and also filed a report to XXXX. My bank had to set me up with a whole new bank account, & new debit card. I filed a fraud complaint with my bank, and a dispute with my bank for the XXXX transaction. I did receive the {$5000.00} back for the fraudulent account that was linked to my account and they did give me back the {$4900.00} while they did their investigation with XXXX. 2 months later around XX/XX/XXXX, I saw my bank then took the {$4900.00} out of my account so I called them and the person from the fraud department told me it was mistake and it was because two claims for the same transaction were done and I would get that money back in 2-3 days. After 5 days of not recieving the money I called again and was told no thats wrong, the claim was declined because the transaction came from my device. I told them yes it did but I was under the impression i was speaking to a Citi bank rep and he instructed me to do those steps in order to get my money back and my identity was stolen and how could they approve one of the claims and not both when there is clearly so much evidence of my identity stolen and my account was hacked! This all happened on the same day at the same time frame by the same person! So they told me to appeal it and send all the information again!! I sent everything, called back numerous times, each time I would call, someone would give me different information and finally I spoke to a supervisor who then filed an identity theft claim along with the information I submitted and a complaint against the reps who told me false information. I waited another two weeks or so, called back again and was declined AGAIN! I even called back a few weeks ago and asked why am I not being protected under the regulation E act, and was told due to me checking the box that agrees to the terms and conditions of XXXX, I was not entitled to any of my money back and there is nothing they can do for me. This is a lot of money taken, I'm a single mom who works very hard for my income and this has put such a damper on my finances and I'm reading all over the internet that banks are doing this to so many people when indeed they are responsible for refunding that money back.
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| 03/27/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX, I signed a store card credit card contract with XXXX XXXX to pay for the installation of a new window. The installation ( XXXX ) was to be performed by XXXX XXXX XXXX XXXX XXXX week period as stated by the salesperson. I placed a deposit of {$530.00} on XX/XX/XXXX for window installation services that were to be performed in the XXXX week period I agreed to.
I was contacted by XXXX XXXX an Installation Services Coordinator on XX/XX/XXXX, via email to advise me that I can schedule my installation. I responded to XXXX XXXX 's email to ask if the installation could be scheduled for the following week on XX/XX/XXXX or XXXX of XXXX, and XXXX XXXX responded to my email to state unfortunately, multiple materials needed to complete this work would not be in stock until XXXX and then the remainder in XXXX of XXXX. Disappointed after receiving this news, and upon completion of receiving this email, by XXXX XXXX, I decided that due to the ambiguity of this contract, and the fact that the dates for installation and service are now much different than what I agreed to, I decided to place a cancellation for my installation the next day, on XX/XX/XXXX.
I placed a follow up email to XXXX XXXX on XX/XX/XXXX to let her know that my order is in the process of being cancelled and cited the case number provided to me over the phone as ( XXXX ). XXXX XXXX responded to the email to thank me for letting her know, and said she would notate it. After the cancellation process began, I started calling up XXXX home depot credit card daily to check if the refund or cancellation had been processed. After a week or so of not receiving it, I called the toll free number for XXXX XXXX, and spoke to someone at the store that was affiliated with this installation, and was advised by the customer service team that the cancellation takes XXXX hours to process.
I received an email on XX/XX/XXXX Subject line : " Case : XXXX HDIS Order Cancellation-Wood Windows '', from XXXX XXXX XXXX XXXX XXXX ) for XXXX XXXX XXXX XXXX who XXXX she would be handling my case, and working to confirm that my order has been canceled. XXXX XXXX also stated she would follow up with me on XX/XX/XXXX in regards to this case. I responded to XXXX XXXX 's XX/XX/XXXX email to thank her for the follow up.
On XX/XX/XXXX, I followed up by phone to XXXX XXXX XXXX XXXX and left a message for XXXX XXXX. XXXX XXXX called me the same day to tell me that I would be getting a refund in XXXX days. To keep a proper record of this process being that XXXX XXXX did not email this case update to me, I emailed XXXX XXXX on the same email chain a diary of our phone conversation. " As per conversation with XXXX XXXX via phone, order has been cancelled, and expected refund will be XXXX days from XXXX.
On XX/XX/XXXX I sent a follow up email to XXXX XXXX asking if the refund would be XXXX business days or XXXX calendar days including the full refund amount. XXXX XXXX responded the next day to my XX/XX/XXXX email to state it is XXXX business days, and to apologize for not specifying the amount of the refund.
On XX/XX/XXXX XXXX XXXX sent an email advising I was charged a deposit of {$530.00} on XX/XX/XXXX, and now mentions there is a 3 day cancellation window. No where in the contract does it say " After 3 days a consumer can not get a refund, or is not entitled to a refund. She advised me that the XXXX XXXX cancelled my order but are refusing to give me a refund because the product had already been ordered. The branch has not given or provided me with the product that they claimed to have ordered, and I did not receive a refund. I was charged {$530.00} and have no product or service rendered.
On the XXXX XXXX XXXX XXXX XXXX under # XXXX. Notice of Right to Cancel, it states " YOU MAY CANCEL THIS AGREEMENT WITHOUT PENALTY OR OBLIGATION BY CONTACTING THE SERVICE PROVIDER OR STORE DIRECTLY ; OR EMAILING SERVICE PROVIDER ''
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| 04/19/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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Customer account coding error by Home depot / Citi Bank - result in unreasonabledispute and collections process, now an Attorney representing XXXX XXXX XXXX as successor - in - interest to Citibank ( South Dakota ), N.A. The Home Depot account as Debt collector.
XX/XX/XXXX approved for one year = same as cash promotion Home depot / Citi Bank - sales staff made phone call, I gave my Social Security # and carpet was installed within 30 days no issues.
Months went by, no communication by Home depot / Citi Bank - no credit approved letter, no billing statement, no financial account information of any kind and the promotion offer was pay off before XX/XX/XXXX or XX/XX/XXXX.
XX/XX/XXXX contacting XXXX services, obviously and account error since I was the one advising no information from Home Depot - no credit card issued or invoice and promotion was pay off in one year to avoid any interest and how can account be placed in collections when no account information or communication of any kind has been established? This is obviously customer coding error from Home depot and advised it was Citi Bank, not home depot who financed the promotion.
XX/XX/XXXX I contacted Citi Bank, advised of error in customer coding issue and dispute collections since no idea of who to pay balance with - XXXX advise it was a credit card issued by Citi Bank ... I have never received credit card by Citi Bank or Home Depot. Promotion was approved via SS # over phone. I was offered to settle collections by paying {$1700.00}. " No I do not want to settle collections I want to be removed form collections and Citi Bank needs to advise credit reporting agencies of customer coding error, to avoid negative notes with credit reporting agencies '' ( my middle score was XXXX at time of promotion approval ) I, confirmed customer coding error. When I asked Citi Bank to confirm my ph # and address, Reply was wrong phone # and my address was incomplete ... again confirming this is coding error and should be removed from collections. I was told, only way to resolve is file dispute fax with details. Following Citi Bank dispute resolution process and communication to resolve ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX ) with no resolve.
XX/XX/XXXX letter from XXXX, stating they have, purchased debt from Citi Bank for collection purposes. I advised of dispute issue and on-going, looping with resolution process through Citi Bank and again had to issue letter of dispute to XXXX XX/XX/XXXX XXXX advised will open investigation and expect follow up in few weeks.
XX/XX/XXXX XXXX sends letter of investigation results, confirming credit reporting agencies account is in dispute along with a copy of Home Depot, consumer paperless credit card application with electronic signature and copy of account statement from Home depot credit services dated XX/XX/XXXX ... .the statement shows incomplete address and again, I confirmed this is the reason why, I never received any account information of any kind, no credit card, no credit card statement, no Citi bank information, no phone call nothing and why this was sent to collections in error and reminded them and on XX/XX/XXXX I was the one who came forward stating ... must be account coding error issue. I went to Home Depot to clarify when promotion date ends with intent to pay off and avoid any interest. The ridiculous problem resolution process looping same dispute with no results.
XX/XX/XXXX letter From XXXX XXXX XXXX XXXX. Attorneys - representing XXXX, XXXX XXXX XXXX. For Debt collection of sold pool of Charged off accounts From CBNA on or about XX/XX/XXXX. XXXX XXXX, XXXX - XXXX and XXXX, Both sent same account statement showing incomplete address, I am sure the post office sent citi bank notice - undeliverable and again I am the one advising something is wrong - should never went to collections, followed dispute process.
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| 05/24/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX., also being referred to as XXXX XXXX XXXX XXXX XXXX Filed a complaint against me and is suing for an alleged debt they allegedly bought from Citibank. XXXX XXXX XXXX submitted as Exhibit 2 an Affidavit of Sale Of Account. This is a statement from a Citibank employee named XXXX XXXX. This affidavit does not include any specific account information that pertains to me. Just that Citibank sold a pool of charged-off accounts. Exhibit 3 is a Bill of Sale and Assignment also signed by a Citibank employee. This document is not notarized, nor does it include anything proving that this alleged employee signed the Bill Of Sale. Exhibit 4 is a " Fact Sheet, '' it appears to be a generic credit card agreement that was not signed. Exhibit 5 appears to be an online application for this alleged debt. The information contains false information. It shows that I made {$170000.00} and that the address is XXXX XXXX XXXX.
I provided tax transcripts showing I had no reported income for XXXX, XXXX, XXXX, and XXXX. And that I lived at XXXX XXXX XXXX and not XXXX. This alleged debt was applied for on XX/XX/XXXX, according to this document.
Exhibit 6 is a copy of many credit card statements. It shows some payments were made but not the account number showing who paid. It also shows a purchase to XXXX XXXX XXXX XXXX, which is a company I own. I've provided documentation showing the XXXX account belongs to XXXX XXXX and not me. XXXX XXXX is my ex-wife.
I originally learned of this alleged debt from a Summons they filed on XX/XX/XXXX, I was served in XXXX of XXXX. I received a letter dated XX/XX/XXXX. It was the letter stating I have 30 days to dispute this debt, and if I don't respond that they will assume the debt is valid. I disputed the alleged debt within 20 days. They sent this letter out asking if it were mine after they had already filed the lawsuit. I responded with an Answer, and now we are set for arbitration.
XXXX XXXX XXXX doesn't have an agreement or application signed by me.
They failed to allow 30 days to pass for me to dispute the alleged debt before filing a lawsuit against me. They do not have any signed credit card receipts from me. They have no proof that I ever used or benefited, or applied from this alleged credit card.
They also attempted to contact me before XXXX XXXX
XXXX is a copy of the Summons filed.
XXXX is the letter they sent stating unless I notify them within 30 days, they will assume the debt is valid. Notice it was dated after the Summons was filed.
XXXX is the exhibits they are using in arbitration. Much of it is hearsay, and there is no proof that this alleged debt is mine or that I applied for it.
XXXX XXXX is my final response in preparation for arbitration.
Exhibit 1 is a credit card application that would be signed when credit is applied for. They have no such signed document. Exhibit 2 is my tax transcript showing I did not have the reported income that they alleged I had. Exhibit 3 is a copy of my credit report showing they never reported this alleged debt as disputed to the Credit Reporting agencies as they are required to do so under 15 I/S/ Code 1692 e8. Exhibit 4 is a copy of the back of 3 other credit cards I have. Notice each of them state that, " Card use subject to credit card agreement '' XXXX XXXX XXXX can not provide a copy of the back of the alleged card that says this. Exhibit 5 is a copy of county records showing when I moved into my current residence. Exhibit 6 is a screenshot of the XXXX account of XXXX XXXX XXXX XXXX. As you can see this account is owned by XXXX XXXX and not myself. Exhibit 7 is a copy of XXXX complaints from this year. And as you know, there are an additional 245 complaints with the CFPB. This company has a history of breaking the law. Every court case in history comes down to one thing, and that's proof. XXXX XXXX XXXX has NO proof that I applied for this alleged debt.
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| 06/10/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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Hi I have discovered XXXX of my cards a Macy 's American Express Card got some fraudulent charges in XXXX and XXXX of 2016. I had not used the card and was surprised to get a notification of my statement in XXXX from the Credit Card company. I logged in and to my horror saw that the card was fraudulently charged and contacted Macy 's credit card customer service immediately. I was assured they will look into it and that I need to submit an official fraud charges claim for the charges in question and send that to them by mail or fax. I had to wait for the official letter from Macy 's before I could do so. When I was worrying that what will happen to my account as I never was late on it and would pay balances in advance I was told not to worry or pay the charges as I would immediately assume the responsibility for them. I waited and when the letter finally arrived nearly 3 weeks later I filled it out and sent it to Macy 's ( it was late XXXX by then ). I called to confirm that they have received my fax the next day and I was not properly routed, had to wait on hold for 30 min, had my call dropped and to repeat everything again together with the explaining as the client services person was not aware of anything fraudulent on my account and they were rudely speaking to me saying my account is past due and I should pay right away. I spend nearly a whole evening on the phone until I got to a supervisor and finally got some clarity on the subject. And was assured I should disregard the late notices and threats at collecting money as they will investigate the fraudulent charges and take care of everything and not report it to the credit agencies. I have perfect credit, and am never late and this was a huge concern to me.
Well 60 days later I logged into my Macy 's account and saw the charges were reversed and the balance was XXXX but my credit limit had dropped on my Macys Amex card to {$300.00} instead of usual {$500.00}. I also have a Macys Store card that I always pay in advance in full before it 's due or try to anyways. The limit on that card is {$4100.00}. I started to check the statements to see the details and can not understand why that feature was frozen. And so I decided to call Macy 's. Again with the horrible wait times and dropped calls when they would not know what was going on with my account and transfer me from person to person. I was patient but finally was told that that account ( XXXX ) was closed after I had XXXX payments missed and that is why the credit limit was dropped to {$300.00} too. I was furious and started again explaining that I had fraudulent charges and I have all my notes and the fax I sent them and that they reversed the charges themselves already and I can see it but they did not say anything to that and again I had to wait and wait until I got through to another person in fraud department that finally told me something was missed on their end and that they wrongfully closed the account. He fixed it and assured me everything will be taken care of now. Well it was not, my credit dropped on all credit buros and they were reporting the card 30 and 60 days late. I called again to talk about that after logging in to pay my now Macys store card in full. After I paid I noticed the store account was closed! I called again and they again made a mistake and told me that my store account was closed due to delinquent missed payments! It took forever to get someone who knew what was going on to again fix yet another mistake on my account. I also reached out to all credit buros to dispute the delinquencies on my XXXX card, but just received notices from XXXX of the agencies that I have to contact the credit grantor as this appears to be correct according to Macys. I am going to contact Macy 's again. But this is unacceptable what I have to go through nearly months after the fact. I would like this to be known about poor customer service!
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| 10/24/2015 |
Yes |
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Web |
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RE : Citi retaliatory closing of accts in good standing immediately after I blow the whistle on Citi 's suspicious fraudulent business practices.
CITI : Your response " As explained in our XXXX XXXX, 2015 letter, we maintain our right to close your accts at any time for any reason. " XXXX : Your understanding of fed and state law is patently incorrect. No bank, including Citi, may close an acct for any reason if that reason is tantamount to discrimination or retaliation against a consumer for exercising his/her right to dispute a charge or complain of a bank 's fraudulent business practices, such as Citi discriminated and retaliated against me in the instant case. Citi asserts its mistaken assumption of absolute unqualified privilege in a federally regulated financial industry.
Citi confirmed my accts were in excellent standing for yrs. Only after I complained about my suspicion of Citi 's fraud and lack of due process and due diligence re : my disputes did Citi close my acct w/o NOTICE, REASON, or GOOD FAITH.
Furthermore, Citi has denied me due process and acted in bad faith by 1 ) repeatedly refusing to share merchant 's response and XXXX ) failing to provide me the opportunity to rebut it. 15 USC 1666, 1666i, and 1640 ( e ), 12 CFR 226.12 ( c ) and 226.13, California Civil Code at 1747 - 1748.95. Pursuant to fed and CA law, XXXX and even Citi 's policy, in a credit card dispute, the bank shall forward the merchant 's response. Here, Citi claims to have received a response from the merchant but Citi 1 ) never forwarded the merchant 's response to me, the consumer and therefore 2 ) denied me an opportunity to respond or further support my dispute for the chargeback. Citi admitted it failed to take these basic steps in chargeback and credit card dispute process.
By failing to abide by fed/state laws and Visa/its own policies, Citi illegally 1 ) prohibited my right to pursue a chargeback for services that were in breach of a contract, 2 ) denied me due process, 3 ) failed to properly investigate a meritorious chargeback dispute, and then 4 ) retaliated when I asked for the merchant 's response and expressed my concerns about Citi 's fraudulent practices in its billing disputes dept.
XX/XX/2015 : Thanks to CFPB, Citi finally provided the merchant 's response for the first time ever but CONTINUES TO DENY ME AN OPPORTUNITY TO RESPOND! I just learned that the merchant violated Health Info Portability and Accountability Act ( HIPAA ) by providing my private medical info to a bank!!!! And Citi withheld this violation and invasion of privacy from me for months. Citi must allow me TO RESPOND to this new info and continues to deny me due process in violation of fed/state law. Furthermore, a review of my Thank You point history revealed that Citi seized points which I earned via my Citigold Checking acct which is current and separate from credit cards! ILLEGAL!
Citi closed my accts which it admits were in good standing in retaliation of my complaint that it engaged in fraudulent practices by using one of its employees ' names w/o her knowledge or consent in all of its dispute communications. Additionally, Citi 's illegal actions have caused my acct to be late which I have NEVER been. Citi has engaged in illegal harassing collection attempts by calling me early in the morning, late at night, and several times in an hr. I have documented Citi 's harassing calls.
Citi has caused and continues to cause me economic harm when it illegally 1 ) confiscated {$700.00} Thank You points much of which I earned from my unrelated Citi GOLD CHECKING acct and 2 ) closing my acct which has ALREADY adversely affect my credit score and worthiness. Citi 's illegal retaliatory act caused my score to drop XXXX points in just a month! My involuntarily closed acct by Citi is the ONLY derogatory file on my ENTIRE credit report and has already caused me SEVERE financial hardship.
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| 05/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2023, I received a text from Citibank asking if I attempted to bill {$1500.00} in flights on XXXX. I confirmed I did not, and they opened a fraud investigation. They asked if I had any other charges I didn't recognize. I saw that there was a charge on XX/XX/XXXX for {$270.00} with XXXX. documentation they are a car rental company. I have never used them and also reported it was a fraudulent charge. Citibank sent me a new card.
On XX/XX/XXXX I was checking my account and saw that I had another XXXX charge for {$270.00} on XX/XX/XXXX, same day that I closed my account. When I called to say that was fraudulent, they said that charge must have been pending when I closed my original credit card number. They closed my second credit card number and issued me a new 3rd credit card number.
During this time I received some mailings telling me that I had started a fraud investigation and some emails. I also received numerous emails from citibank reminding me of due dates and offering me other products.
I went to check my statement on XX/XX/XXXX and saw that the XX/XX/XXXX XXXX charge for {$270.00} was back on my statement. I was very surprised and saw that there wasn't an option to click that I don't recognize this amount. I called customer service and they informed me that I had a notification in my account issued on XX/XX/XXXX. This document stated the vendor said the charge was accurate and provided " compelling '' evidence that it was my charge. As I didn't even know I had a notification, they default reversed the fraud complaint and noted the investigation was closed on XX/XX/XXXX.
I looked in my email, I have received 28 emails for due dates and product offerings since XX/XX/XXXX. This might not even be an inclusive number because I could have deleted some. However they did not manage to email me stating I had an action needed for this fraud investigation. This was hidden several pages deep in my online account.
I looked at the " compelling '' evidence that XXXX provided to Citibank. While the name and home address for charge is mine, the IP address is in Georgia- I live in Pennsylvania. The email address listed is XXXX which is not my email address. Moreover, this charge was the same timeframe as fraudulent XXXX charges.
When I talked to Citibank on XX/XX/XXXX, I said this is still fraud and I verify that I did not do these charges. I also emailed their fraud department, per their request on XX/XX/XXXX. They said they would reopen the case.
I checked my account again on XX/XX/XXXX. The charge is still there. I called and did customer service chat. While they said, yes they will reopen the case they would not and could not provide me documentation that the case was " reopened ''. Specifically, customer service rep XXXX XXXX indicated I " would not be liable for the charges and interest ''. That said, it still on my account and due. They indicated that I should call XXXX directly. I also did this yesterday and told them it was a fraudulent charge. They indicated they would investigate.
My understanding of my rights under the Fair Credit Billing Act is that they must conclude their investigation in 2 billing cycles. My billing cycles closed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their notification on XX/XX/XXXX that they had new compelling evidence is outside the 2 billing cycle time period of investigation.
I have 2 issues : 1. This is fraud and should have been handled with more care by Citibank.
2. Their " communication '' process for notifying customers they need additional action is inadequate at best. Based on the several emails and mailings I have received from them in this timeframe, it is reasonable to assume that is the form of communication that they would use to contact me for additional information. This random notification several pages deep on the account portal with time sensitive information is not appropriate.
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| 07/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I have a Costco anywhere visa card thru Citibank. I have been a great paying customer for about 4 years now, I am an XXXX XXXX and I use my Costco credit card to make daily purchases every single day, and I had a perfect transaction history on this card. I made daily purchases and I would make multiple large payments every month. Last year I spent {$30000.00} shopping at Costco. Thats what my end of the year summary said that I got from them. I also earned {$600.00} in rewards. Late last year I made 2 payments, one on XX/XX/XXXX and the other one on XX/XX/XXXX each payment was in the amount of {$1500.00}, and for some reason, XXXX XXXX blocked those 2 payments from going through. I was never notified by Citibank that those payments never went through, so I made smaller payments and those did go through. On XX/XX/XXXX last year, I made another {$1500.00} payment, and I was so irritated with both banks that I had to do a 3 way call with both banks on the phone, just to make sure that my payment would go through. That payment went through with no problem. One week later I went to Costco to get gas as I always do and I tried to use my Costco visa card at the pump, and it was declined. I called the number on the back of my Costco anywhere visa card and the representative told me that they closed my account because of those two large payments that I made last year that didnt go through. I argued with them and demanded to know why they closed my account without even telling me. I found out about it, after the fact. This is really shady and unethical of them. I explained to them that I had plenty of money in my checking account when I made those payments, and I should not be punished over a bank mistake that I had no control over. I lost addition income because I kept having to take time off of work to try and call them and resolve this issue. I kept getting bounced around to different depatments, and then I would get disconnected and I kept having to call them back. This frustration went on and on for months because each time I would call, the representative wouldnt even try and help me resolve this, they would just lie and argue with me. after about 4 months I was finally able to talk to a high supervisor in the execututive response unit, and I had to tell her the whole frustrating story all over again. Her name was XXXX and she told me that if I can get a letter from XXXXXXXX XXXX admitting that this was a bank mistake and not my mistake that those two payments never went through, Citibank would go ahead and reopen my account with no problem. Well it took me almost 3 weeks to track down the correct person aXXXX XXXX XXXX who was willing to write me that letter. I emailed that letter to the Executive response team over at Citibank and after they received that letter, they lied to me and refused to reopen my account. I explained to them that this account never should have been closed to begin with. I should not be held responsible for some XXXX bank mistake. I have called that excecutive response department many times over the last 4 months, and each time I talked to them, they would argue and lie to me. last week when I called them, I asked them about my {$600.00} rewards that I earned, and they told me that because they closed my account, Im not going to get my rewards dollars that I earned. That is stealing money from me, not only did they close my account for no reason, but now they lied to me over and over again about reopening my account, plus they refuse to give me the {$600.00} reward dollars that I earned. does this sound like a good way to treat a very good customer who spent {$30000.00} on my card last yer? I want my {$600.00} reward dollars that I earned and I want my accpunt reoped as promised. Citibank should not be alowed to deliberately lie and cheat customers.
I can get another copy of that letter from XXXX XXXX but it might take me a few days
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| 03/17/2016 |
Yes |
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Web |
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I got an invitation code from Citi Double Cash Card XXXX XXXX, applied got approved right way for a {$1200.00} credit limit with a 0 % APR for 15 months. I always made payment of {$200.00} a month. On XXXX XXXX, XXXX I log in to my Citi account notice a payment posted of {$800.00}. I did n't do this payment I decide to call Citi Card I tell them about the mistake they have made the representative tells me that I did made the payment. I asked her to please return the money back to the bank account her reply " We can not return the money back to the account ''. On XXXX XXXX, XXXX another payment is posted in my account for the amount of {$2000.00}. I call Citi cards again and spoke to a representative she tells me the payment was posted in my account. Once again, I tell her this is a mistake they are doing I let her know I have a credit limit of {$1200.00} tell her why would I make a payment over my credit limit. I asked her to refund the money she replies sorry we can not do that. She tells me I have a negative balance I tell her I am not going to use the card because I am not making the payments in my account. Her reply do n't if you do n't use your card over 30 days we are going to refund the amount left to you. On XXXX XXXX, XXXX I get the refund to my house of the amount {$1500.00}. I waited an additional 30 days to see what would I do regarding this matter I called back Citi and they tell me to deposit the check to my account and I did. On XXXX I see another payment posted for the amount of {$2000.00}. I get mad because Citi Bank is not doing anything to help me regarding this case I tell them I am not making this large payments to my account I asked to be transfer to a supervisor and she hang up. They send another refund check for the amount of {$1000.00}. I spoke to an employee from Citi card and asked her why would you accept payments then refund the money back this is a waste of time for a bank well known she does not know what is going on with my account she know something is not right, but she can not do nothing to help me. On XXXX XXXX, XXXX I see another payment of {$800.00} posted in my account I say enough I called back Citi bank and they did n't know what was going why they were posting payment in my account with no reason. The last payment posted in my account was on XXXX XXXX, XXXX for the amount of {$2000.00}. This is when I told the representative why would they allow to accept payment over my credit limit her reply our system allows the payments. I tell her no because the payment made were by checks and Citi Bank is allowing this because they want to ruin my credit score. XXXX XXXX, XXXX I log in my account see I owe {$7600.00}. I called Citi bank they do n't know what is going on I spoke to a male representative he tells me the payments were posted in error by Citi bank they reserve the payments to the correct account. I get mad and tell them I been telling Citi Credit Card this from the start and I tell him why have n't they called me regarding this matter his reply I do n't know why. I called back and spoke to another representative she tells me this bank is not good. To fight back because they did it on purpose for me to get late charges and penalties added to my account. Until this date I have not received an email, mail, nor did phone calls telling me what happen to my account. I am stress with this situation because this bank is doing this on purpose to affect my credit score. They never listen to what I told them from the start and allow this payment to be posted in my account knowing I never made those payments. I blame this back account for allowing fraud, allowing others have access to my account, and accepting payments over my credit limit. They should be responsible for their actions for not taking responsibility for what they have done to my account. Citibank took over 10 months to find the error they made to my account.
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| 12/05/2015 |
Yes |
- Bank account or service
- Savings account
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Web |
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Open a Citibank 's XXXX checking to earn {$400.00} Cash Bonus with promotion code XXXX good through XXXX/XXXX/2015. The XXXX is their premier banking relationship with priority service, preferred rates, and exclusive savings and rewards. Other benefits with banking with Citibank includes over XXXX fee-free ATMs nationwide, free online bill payment with Citibank Online, and free mobile banking with Citi Mobile. Offers available for accounts opened online, at your local branch and by phone. To apply by phone, call XXXX with the promotion code above.
Citibank XXXX {$400.00} Cash Bonus : Sign up OfferAccount Type : XXXX Account PackageAvailability : NationwideExpiration Date : XX/XX/XXXX/2015Hard Inquiry : NoneOpening Deposit Credit Card Funding : $ XXXX ( however, set your credit card cash advance to {$0.00} just to be safe ) Direct Deposit Requirement : NoMonthly Fee : $ 30 monthly fee unless $ XXXX monthly balance.
Additional Requirements : Deposit $ XXXX or more within 30 days of account opening. Then keep your deposit within your account for the next 30 days.
Closing Account Fee : NoneHow To Earn Citigold Checking {$400.00} Bonus:1.Open a new consumer Checking Account in The XXXX Account Package by XXXX/XXXX/2015.
2.Make an eligible deposit of {$50000.00} or more in new-to-Citibank XXXX XXXX XXXX funds into your new Checking or new or existing Savings Plus account within 30 days after account opening.
3.Maintain a minimum of {$50000.00} for the next 30 days to receive your bonus.
{$400.00} XXXX Account Package Bonus1. Visit this XXXX Account {$400.00} Promo Page to apply online, visit a Citibank branch to apply in person, or call CitiPhone Banking to apply by phone and mention code XXXX.
2. Open a new consumer checking account in the XXXX Account Package by XXXX XXXX, 2015.
3. Within 30 days after account opening, deposit a minimum of {$50000.00} in new-to-Citibank funds into the new checking account or new or existing Savings Plus account, and then maintain that balance for the next 30 days.
4. The {$400.00} cash bonus will be credited to your new checking account within 90 days from the end of the month in which you complete all offer requirements.
{$100.00} Citibank Account Package Bonus1. Visit the Citibank Account Promo Page to apply online, visit a Citibank branch to apply in person, or call CitiPhone Banking to apply by phone and mention code XXXX.
2. Open a new consumer Checking Account in the Citibank Account Package by XXXX XXXX, 2015.
3. Within 30 days after account opening, deposit a minimum of {$10000.00} in new-to-Citibank funds into the new checking account or new or existing Savings Plus account, and then maintain that balance for the next 30 days.
4. The {$100.00} cash bonus will be credited to your new checking account within 90 days from the end of the month in which you complete all offer requirements.
{$400.00} Current Citibank Customer Interest Bonus1. Visit the Citibank Current Customer Upgrade Promotion to enroll and upgrade.
2. Enroll in this promotion by speaking to a Citibank representative and upgrade to the XXXX Account Package. ( If you already have XXXX, you 're a step ahead. ).
3. Fund a new or existing Citibank Savings Plus Account with a minimum of {$25000.00} new-to-bank funds by XXXX XXXX, 2015.
4. Maintain a minimum balance of at least {$25000.00} throughout the next 3 monthly statement periods, and you can earn 5 times the interest on your savings for this bonus period : up to a {$400.00} bonus.
How To Qualify for Citi ThankYou Points Bonus1. Visit this Promotional Link and enter Promo Code XXXX to access the offer.
2. Open an eligible account package by XXXX XXXX, 2015.
3. Within 60 days after your new account is opened, you must complete XXXX qualifying bill payment each month for 2 consecutive calendar months.
4XXXX XXXX points by XX/XX/XXXX2015I ask {$900.00} XXXX point
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| 01/07/2016 |
Yes |
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Web |
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I am a long time client of Citibank ( 28+ years ) and consider myself proven to be dependable and responsible. I had a debit card for MANY years that accumulated miles with every purchase. Citibank discontinued the program so I applied for an XXXX XXXX credit card with Citibank so I could continue to accumulate miles. The card was issued approximately 2-3 years ago. The card is attached and linked to my Citibank online hub. As I began using the card, the charges regularly ran a balance around $ XXXX and I typically paid a few XXXX before a due date. I paid thru my Citibank online link or occasionally thru the phone with Citibank. I was never stopped from charging and was often up to {$10.00}, XXXX, XXXX and $ XXXX. I gathered from my actual charging experience that my limit was quite high. I had no reason to think otherwise.
Recently, I applied to refinance my home loan and my credit score was crucial to obtaining an affordable loan for the next 30 years of my life! After the loan company ran my credit we discovered a weird idiosyncrasy on the credit report. It showed a {$5000.00} payment due on the XXXX credit card. This was impacting my score and the debt to income ratio in a big way. I called Citibank XXXX customer service to see what it meant as my online hub showed NO payment due, a {$12000.00} available credit and my balance was {$8900.00} (? ) huh? After much investigating with the rep ( she did n't get it either ) we thought it best to increase the credit limit. I explained in GREAT detail to the rep that I was refinancing and I 'd like to show an amortized payment or somehow correct the inconsistency ( we discussed this over and over ), I was QUITE clear in at least XXXX comments that I DID NOT want my credit run but was there some way I could speak with the credit dept. if they could grant an increase so the large payment would not be reflected, thereby affecting my ratios? But not by pulling my credit. She seemed very understanding of my plight ( XXXX from Maryland ) she asked my income and mtg. payments etc., and said she had to read a disclosure before transferring me to a credit person, I replied no problem as long as my CREDIT WAS NOT PULLED. I was crystal clear. When I got to the credit person ( XXXX ), I explained my plight again and asked if there was anything that could be done without pulling my credit? Wherein she informed me my credit had already been pulled!!!! WHAT???? Unbelievable. I was then informed I had no spending limit but a credit limit, what does that mean? And then was why there was a $ XXXX payment due but my Citibank hub showed no payment due? After much talking she got me together with XXXX from Kentucky and I explained they pulled my credit WITHOUT my permission and to listen to my conversations. She tried to get me to the manager but no one picked up, she said she would call me as late as XXXX after listening to the tape. I did receive a call late where she acknowledged how many times I stated not to pull my credit and that XXXX would be strongly reprimanded but since she read the disclosure they would not contact the credit company to rescind the pull! I was incredulous and stupefied- There was much more to the conversation and ultimately she hung up on me mid-stream! This is NOT RIGHT, neither the way the credit card information appears & especially that I unequivocally did not give permission to run my credit but they ran it anyway. If it was by mistake and they correct it - OK, but instead they are defending their mistake via a statement that I responded to with DON '' T PULL MY CREDIT. Not legal in my opinion. A credit score 's part of survival today and if we have no control of what is reported, right or wrong. It 's like being put in jail for a crime you did not commit! I would add, not at any time was any representative impolite, the decision maker just did not do the right thing and I want it corrected.
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| 01/06/2017 |
Yes |
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Web |
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I am having an issue with the manner in which Citibank Mastercard has handled my chargeback dispute with a merchant. When I first contacted Citibank to open the dispute in XXXX, for XXXX XXXX and XXXX XXXX charges ( XXXX total, same merchant ), Citibank opened it on the premise that I canceled the purchases. Due to the merchant 's terms and conditions ( fine print ) I did not cancel within their 14 day time period, and so the charges were considered valid, although Citibank dispute agents whom I 've spoken with agree that they are dealing with these shady online " free trial '' operations all the time, and that their terms and conditions do, in fact, deceive the consumer. That said, I have documented proof that the merchant agreed, as a courtesy, to accept my returns for full refund, and they supplied me with return instructions and RMA numbers. I complied, and on XXXX XXXX, Merchant had my returns back in their hands, with signature proof and email confirmation proof. Now Merchant has failed to refund me anything. The dispute investigators keep telling me that I have not supplied proof of cancellation in the merchant 's timeframe ( 14 days ). When I showed proof of my returns and proof of the merchant agreeing to my returns for refund, I am told that because the disputes were initially opened on the basis that the cancellations were done, it will keep coming back with me losing the cases. An agent at Citibank yesterday XXXX XXXX/XXXX/XXXX XXXX told me that if they had, in fact, disputed it on the basis of my returns not being processed, I would have a case. I asked if they could go back to the Merchant with this information, stating that we require refund based on their written statement that I can return the items, and based on written proof and signature proof of their receipt of my returns on XXXX XXXX. Seems like a very simple concept, yet now Citibank is telling me that they are unable to go back to the merchant and change their reason for the dispute. I feel very unprotected here, in that I have XXXX product in my hands, and spent even more money to send it all back to the merchant at my own expense, yet they are being protected by my credit card company. When I asked WHY they can not go back to the merchant with the updated info, the agent told me that they are bound by certain restrictions with XXXX and XXXX. I find this ludicrous. The bottom line is I have paid FULL PRICE, nearly {$360.00}, for products that were returned back to the merchant PER the merchant 's request and approval, and the Merchant is now holding my money AND has their product back ( in new condition, I might add ). This just seems completely illegal and wrong. I have an excellent credit rating, and have had this particular Citibank card since XXXX with nearly a {$20000.00} credit line, and have never had so much as even a late payment! I am extremely disenchanted by this, and it leaves me feeling very vulnerable as a consumer. I have learned a big lesson from all of this, and will never participate in any type of free trial again. But at this point, with Citibank hitting brick walls with the merchant based on information they know the merchant has recourse against, and NOT going to the merchant with the more pertinent, updated information that they have in fact approved a return, promised to refund upon return, supplied me with return authorization numbers, admitted to receiving return and signed for it, and yet still holding all the money, this seems proof enough and reason enough to get the case resolved in my favor, or at the very least, award the credit as a courtesy to me, from Citibank themselves, to create customer rapport and appreciation, and to put my mind at ease and continue to have me as a XXXX cardholder. It 's not like I 'm asking for anything unreasonable. Everyone agrees I have returned these items. I am the victim here, and Citibank is not protecting me.
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| 08/23/2016 |
Yes |
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Web |
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I purchased an Ipod from BestBuy XX/XX/XXXX and it was explained in store that my purchase qualified for 18 months no interest if I used my BestBuy credit card to purchase. Given this information I accepted and used my BestBuy credit card to purchase. I later purchased a Fitbit from BestBuy on XXXX XXXX XXXX, at the time of purchase it was explained by the cashier that the Fitbit qualified for a 6 months no interest for being over {$100.00} dollars. At which point I purchased the FitBit with my BestBuy credit card oppose to using another card, since I would have 6 months to pay the FitBit. In XX/XX/XXXX my BestBuy credit card statement arrived and I was charged a finance fee of {$210.00}, I called to dispute the charges and obtain an explanation to get a better understanding on the situation. The service agents explained that the fee could n't be reversed and there was nothing that could be done since I did not pay the Ipod purchase off in time. I attempted to explain that I made a second purchase in that time and that when I purchased the FitBit the cashier explained it qualified for 6 months no interest for being over {$100.00} dollars. BestBuy customer service explained on multiple times that this was not the case that the FitBit purchase would n't have qualified for 6 months no interest and that the payments I sent were split between the original Ipod purchase and the FitBit purchase. I explained neither was made clear ( payment application or in store advertising ) and is the reason why I was calling to make a dispute. I also went to the BestBuy store I purchased the FitBit at for a copy of both the Fitbit and Ipod receipts and for an explanation on the FitBit qualifying. They were able to provide my the FitBit receipt but not the Ipod receipt ( which I found odd ) it was n't in the system and as for theFitBit they explained they have promotions all the time and it could be possible. I personally feel they should make this a bit more clear between the credit card agents and BestBuy stores to make this clear to consumers. They should also make how payments are applied more transparent to consumers after making a second purchase ( I was under the impression my payment was being applied to the Ipod purchase ). If I had know how the FitBit payment and IPod was going to be applied split between both I would have solely purchased just an Ipod and paid off one thing at a time. Either way I still paid the FitBit off before XXXX which would have been the 6 months no interest I was told I supposedly qualified for when purchasing the FitBit. This personally feels a little deceptive so that consumers are stuck paying huge interest charges after payments are applied a bit back handed by the credit card company and this is also my attempt at making consumers aware, while disputing this interest charge. Please also note that BestBuy goes back and forth on what qualifies the Ipod was {$290.00} the accessories are well under {$100.00} dollars seperately. In this case the Ipod would have been paid off well before the 18 month no interest. The in store explanation and phone agent Credit card customer service varied, one said total purchase the other said only for electronics items that qualify this is conflicting and misleading for consumers. Which also becomes confusing when paying off balances before promotions expire. Video games, earbuds & beverages do n't qualify as major electronics yet when going to apply interest to me all of a sudden according to the agents they did qualify as part of total purchase. Yet in the store and this varies amongst agents when in store and calling in to the credit card customer service interest free only applies to major electronics ( ipods, laptops, tv 's etc ). This is 100 percent confusing and most likely why consumers end up paying huge interest the qualifications changes from person to person. They need to stick to one thing.
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| 06/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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In XX/XX/19, I was purchasing a ticket online from XXXX XXXX, then they offered me a Citibank credit card promotion. The promotion was " if you apply with us, you will get {$250.00} bonus in your first purchase ''. So, I applied to the card, but unfortunately my application didn't work, I received an error message, I tried to call the customer service ; it was almost midnight, they put me on hold for almost 45 mins, but then I hang up. In the next day, I applied again, and it works then I purchased the ticket.. Then I received a message from them saying that I will receive the physical credit card to my home address. After a week, I received two credit cards that looks the same, but with two different account numbers under my name. I contacted the costumer service, I asked them " why did I receive two cards that look the same? they said " It's because you applied twice, that's why you received two cards ''. I tried to explain to them that the first time I applied didn't work, and there was an error code, it didn't let my apply. They didn't believe me, and it was hard to approve it since I didn't take no screen shot or other evidence. Also, they told me that the bonus {$250.00} was on the first card, and the purchase that I made was on the second card. I told them to merge the card or transfer the balance to other card so I can get the {$250.00} bonus, they said no we can't!!
At the end, I gave up. Then I went to their website and sign up. I added the second card that has ( my airline ticket purchase ) and it works fine, then when I went to link the other card, I couldn't. I received an error message says that the information is mismatch their records. I called the costumer service yesterday around XXXX on XX/XX/2019, they told me " Oh, it's because both cards under two different SSN, but they both under my name!!! '' So, they transferred me to a technical support, and the lady told me there was a technical issue, I told her my situation, she said okay give me a minute, then told me " don't worry I just updated your SSN on your first card '' I never authorized to her to do so, because that card I never applied for, also how come they approved something under my name that doesn't have my SSN?!!!!! I told her that, she said there's nothing I can do for you, I will transfer you to customer service specialist. At the end, they really didn't do anything, they said if you want, we could cancel the card and that's all!!
In conclusion, why did they approve a card at the first time that doesn't have my SSN? secondly, I did not give them the an authorization to update my SSN on the first card that I never applied for!. Thirdly, they playing a game with me, they doing all this to avoid getting my {$250.00} thats they promoted to me at the first time. Finally, I read something all over the internet talking about their policy says '' Theres an additional restriction for business cards : You can only get one business card in a 95-day period. Here again, the rule is officially 90 days, but its best to wait 95.
Wait 95 days before applying for a second business credit card Its important to note that business cards also apply to the 8/65 portion of the rule. Under no circumstances can you get two cards in eight days or three cards in 65 days, even if one of them is a business card.
In other words, dont apply for a new Citi card if any of these statements are true : 1. Youve been approved for any Citi card in the last eight days.
2. Youve been approved for any two Citi cards in the last 65 days.
3. Youre considering a Citi business card and youve been approved for a Citi business card in the last 95 days. " source https : //www.rewardexpert.com/blog/citi-credit-card-application-rules/. I tried to mention this to their costumer service, but they said it's not true. I'm wondering how did I get approve within 24 hours for two cards! according to this!
Thank you!!
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| 08/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Called after sent written cease of comm
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Web |
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That is my business line. I have requested in numerous emails to Citibank to cease and desist calling my business line. My online profile does not even have that number. I get XXXX calls in a day to my business line and about as many on my home line XXXX which I have also specifically said in over XXXX phone calls " stop calling me '' ... what 's the issue? I had a personal line of credit that I have been paying down in what I believed to be a timely manner. I just received a call from a " XXXX '' who until I asked " are you an attorney? '' was literally arguing business contract law, " you signed a promise to pay citibank and you 're XXXX days late, how 's that going to look on your credit?! '' I explain to XXXX XXXX that she can not begin to argue contracts with me. She admitted she is not a lawyer. I asked her " do you know what FDCPA is? That you are calling a number on the Federal DNC list? '' She just demanded payment ... how much? {$100.00} and though the exact same payment amount was made and cleared about XXXX days ago, she refused to even address that : " I 'll be happy to discuss your account when you make it current? What 's stopping you from paying today? '' Well ... calls from a robot asking me to hold ... calls on my business line that my bookkeeper answers and says Citibank is holding for you? '' How is this even ethical and who is a collection agent to call me at my unlisted and -- Citibank has promised to remove this number -- but will not tell me how they got it. They have only acknowledged receipt of my myriad of emails. XXXX and really every Citibank representative is hostile, aggressive, and it 's substantially abhorrent to harass a customer who left the bank for a competitor. In fact these calls only started when I left the bank, and we pulled our business account. Citibank in no way meets any need as a consumer or commercial bank. I do not appreciate calling my business line and saying anything to any party other than myself after verifying it is me. Asking " is this [ my name ] '' is not sufficient. They also violate the CARD Act and I believe the new FTC rulings. And when I tell the Citibank rep or email or call their supervisor I am promised they " do n't have my number '' and " wo n't call my business '' today though, XXXX says they will stop calling my business line when I pay {$100.00}. Can I make that now? '' This letter is a long time coming and I truly hope will illicit some type of serious response. I am shocked a bank that has yet to fully repay their TARP bailout can have what sounds like ex or. Urgent XXXX calling me, my business, my family : they called my sister. And blamed the computers ... utter nonsense ... last month where XXXX claims I am XXXX days late on a personal line of credit and " violating the terms of a legal contract with Citibank NA '' ( lawyer-type tough talk, ) and I have proof from XXXX Bank of that transfer, it is a repeating transfer every month : all I can see, though Citibank will not tell me, is that they changed what was due claiming I was a day late oddly the same month I changed banks. I actually made two payments that month and am happy to provide any and all documents at my disposal or sign an affidavit that yes, this is a valid debt obligation, and yes, I a, paying it and have been fulfilling my obligations to Citibank. I respectfully ask the CFPB to convey the importance of these Acts and Federal laws. It is a waste of everyone 's time and money. Aside from the sheer obscene rudeness and misinformation ... never has Citibank, in the XXXX years I was a client ever been helpful to me as a Client, and here I receive calls lecturing me on fulfilling obligations? Thank you for your time and attention. Please feel free to contact me ( yes, business line is fine. ) I am grateful there is a CFPB and I really just want Citibank to lose my number. I 'll pay as I have been doing and can show.
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| 12/29/2016 |
Yes |
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- Forbearance / Workout plans
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Web |
Older American |
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Citibank did the following : 1.Citibank profited by defaulting on workout plan [ Profits by Default ] & sale to debt buyer.
2.Fraud in Execution as Willful misrepresentation to Consumer of Work-out plan terms & risks creating financial benefit Citibank [ Profits by Default ]. Willfully & systematically created misleading representations of payment terms & attendant high probability of consumer default by risk of missed payments not caused by Consumer.
Citibank used systematic misrepresentation on both Consumer Account ( XXXX XXXX XXXX ) XXXX & on Consumer Spouse Citibank Account ( Sears ). See [ Sears Dispute ] of Citibank response to CFPB Case # XXXX.
3.Committed " Fraud in Execution '' in work-out plan design : Citibank set Consumer up to fail by systematic design of consumer assistance plans including : 1 ) knowing but not disclosing risks to Consumer of ACH or Bank-caused errors in required auto-draft payments that would be counted as a missed payment by Consumer, 2 ) violated FDIC AMG ( Account Management Guidance ) workout plan directives [ FDIC AMG ] by not defining key term " missed payments '' and not providing means to cure any missed payments, 3 ) Violating AMG by falsely stating in XXXX XXXX, XXXX Letter to define work-out plan that Consumer Account could not be re-aged & refusing to do so when auto-draft payment was disrupted by XXXX XXXX on Consumer checking.
4.Knowingly caused High probability of default due to ACH or Bank errors alone or with a Consumer error to cause Workout plan default -- & it worked! XXXX XXXX did not pay XXXX XXXX auto-draft to Citibank for Account - without telling Consumer. [ XXXX XXXX XXXX ] XXXX XXXX 's action caused a missed payment -cured by Consumer - but used nonetheless as key to Citibank falsely claiming default on Account. XXXX XXXX caused same problem in same month for Spouse Citibank/Sears work-out plan. XXXX XXXX secret policy change on auto-drafts was combined by Citibank with one missed payment by Consumer on Account XXXX ( due to a family death & its costs ) to unlawfully cancel workout plan.
The XXXX ACH achieved error rate on false debit entries was XXXX, with an allowed rate of XXXX [ XXXX ACH error ]. The XXXX ACH payments error rate was XXXX ( XXXX ACH errors ) Suppose Consumer is accurate at 98 % rate. Suppose Consumer Bank is accurate at ACH rate. This creates a probability across XXXX payments of all three actors ( assuming independence of events ) not making two missed payments across XXXX payments of about 19 % -- so Citibank makes loan assistance plans a Casino game - with winning odds for Citibank! Unlawful set-up & cancelling of consumer work-out plans across millions of credit accounts disposed of would benefit Citibank, among other ways, by falsely reducing reserves requirements ( Profits by Default ; Citibank reduces Reserves Requirements ) 5.Refused to investigate written Consumer complaint & re-age Consumer Work-out plan despite multiple complaints by Consumer to Citibank about wrongful work-out plan termination and written dispute by fax on XXXX, XXXX, XXXX. ( Fax Complaint ). See same tactics on Spouse Account ( Sears Dispute ) 6.Citibank used Deceptive Practice to breach contract. On or about XXXX XXXX, XXXX Consumer receives Citibank Letter dated XXXX XXXX, XXXX, with misleading information saying Consumer could cure missed payment. Time to cure was not defined with effect of defrauding Consumer.
XXXX Dealing enabled Citibank to default by offering, then reneged on, cure of item 5. On or about XXXX XXXX, XXXX Consumer received Citibank letter dated XXXX XXXX, XXXX arbitrarily cancelling workout plan by denying time to cure as received in post day before.
8.Citibank benefited by unlawful sale of Account XXXX to alleged buyer CACH/SquareTwo as " covered person '' with false information in same time frame & similar manner as noted in CFPB Citibank Order XXXX XXXX XXXX.
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| 03/03/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
Older American |
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On XXXX XXXX, XXXX I went to CITIBANK branch at XXXX XXXX XXXX XXXX in XXXX where I have XXXX checking accounts to make a deposit to an account that is in my name, NOT JOINTWITH MY SPOUSE I mistakenly slid the card for thewrong account that is joint with my husband .I put in my pin. When I realized that I had used the wrong account card. I told the teller He said NO PROBLEM, USE THE CORRECT CARD. I SLID THE CORRECT CARD, PUT IN MY PIN which is the same for both accounts.I made A DEPOSIT OF $ XXXX TO THE CORRECT ACCOUNT THAT IS NOT JOINT. Shortly after I left, a Citibank customer requested a bank check for {$2000.00} from the same teller. The check was drawn from our JOINTaccount, the one I activated in error.
We discovered this when checking our bank statement for XX/XX/XXXX.
I went to the branch & met with manager, XXXX XXXX. He called the Citibank fraud unit.I was told it may take 90days to resolve & get the $ $ back in our account. I said this is unacceptable, {$2000.00} is a lot of $ $ & we need it now. On XXXX/XXXX/XXXX XXXX credited our account for $ XXXX.We were not told that the credit was temporary, good only until the internal investigation was resolved. Over the next 3 months we received several letters requesting information for the investigation. I gave the letters to XXXX & was assured " do n't worry, I am taking care of it, the $ $ is in your account ''. Apparently he never informed the fraud unit that HE had resolved the matter.
The internal investigation concluded on XXXX XXXX. On that date, our account was again debited!! We received a letter that said I had failed to protect my secure information & the claim was denied. I went to the bank to see XXXX. I was told that he no longer works there! I met with new manager, XXXX. He said he had no time to talk. He said come back in 2 days.In 2 days I returned. He was not there, his location unknown. No one knew how to contact him. We were at a dead end.
I called Citigold customer service to get an explanation for the credit reversal. A helpful woman took my call.She tried to help, but she has no authority. She connected me with a woman in the office that reversed the credit. She would not discuss the matter as It was closed. I asked '' what if I lived payday to payday & needed the $ $ $ for rent, food, etc '' .The reply was " I guess you would have to turn to your family and friends '' .I could not believe my ears!
On XXXX my husband called Citibank Senior VP XXXX XXXX . After explaining the problem my husband requested that the money be returned. XXXX XXXX said she could n't do that & since she just learned about this she needed to look into it. She had XXXX, the missing branch mgr work it out. My husband followed up in 3 days He was told it was being worked. I was called by XXXX that evening. He said Citibank had the name of the man who took the check. He had been contacted & was asked to put money in his account to cover the check so that his account could be debited and the $ $ put back where they belonged, our account. This is unbelievable. I could not make this up. The bank made a mistake, took money out of our account & will not put it back until this man covers it. What if he does n't have it? I was told he never responded.
In the meantime we received a letter from the bank telling us that our account had been blocked & unavailable for transactions. We must close the account. If we did not close the account we were to sign a form that indemnifies them against any other unauthorized transactions against this account. BUT the BANK made the only unauthorized transaction The {$2000.00} was finally put back on XXXX/XXXX/XXXX. We asked for written assurances from XXXX XXXX that this money is in our account permanently & will not be debited again. We have not received such assurances.
There is more to add, but space does n't allow all details.
See part XXXX for more information.
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| 03/21/2015 |
Yes |
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- Closing/Cancelling account
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Web |
Servicemember |
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To whom it may concern, Citibank closed my credit card for reasons that do n't comply with and totally go against what the Federal Trade Commission, Fair Credit Reporting Act and the Consumer Financial Protection Bureau stand for in terms of fair credit lending and responsible business practice. Citibank " refused credit even though I qualify for it ''. I RESPONSIBLY maintained my credit card with Citibank as a diamond preferred member credit card holder for a little over 1 month. XXXX day, I called customer service and I was met by a woman who, like normal took my info. But as the conversation progressed I realized the person is someone I knew personally through a person I used to be engaged to. The conversation escalated quickly when she realized who I was. As time progressed I realized who she was and eventually I 'm saying to myself : " if she knew who i was the whole time why would she continue the conversation. '' In no way was I threatening and in no way was I abusive. If a customer service representative WHO ALSO KNOWS ME ON A PERSONAL LEVEL is going to berate me because she has a PERSONAL PROBLEM with me I 'm not going to just allow her to diverge from the topic of my bank account and attempt to NOT speak to a supervisor, which I requested from her and she refused to do. Eventually, I hung up and before I did she stated, " she was going to go to corporate and go out of her way to cancel my card ''. Again, I have been responsible with my card and in no way was I threatening and or abusive in my conversation, on the contrary, the representative was abusive and threatening in nature AND EVEN CITIBANK WAS APOLOGETIC FOR THE REP 'S BEHAVIOR after they learned of the situation. What makes this situation even more ridiculous is that right after the conversation took place, I was issued a " VALUED CUSTOMER CREDIT '' for XXXX DOLLARS for having to go through this issue. Citibank issues me not XXXX but XXXX credits and a verbal apology for an employees behavior and admits the issue was wrong on Citibank 's part, they turn back around and close my account.
Here is how the credit appears on the statement : ( I can provide you with official documentation upon request ) '' Congrats! Valued Customer Credit ( {$50.00} ) Posted Date : XXXX Reference Number : XXXX Merchant Country : XXXX XXXX and XXXX '' Purchases Later that day, I come to find out that customer service " banned me '' from calling the service center anymore because of that reps complaint about me. I get XXXX letter that states : " We are contacting you regarding your Citi ( XXXX XXXX XXXX Preferred ( R ) Visa ( R ) account. When we spoke to you on XXXX XXXX, 2015 you were abusive and/or threatening during the conversation. Based on this, we 've decided that we 'll no longer accept your phone calls in the future. If you have any questions about your account please send your inquiry to us at : Citibank XXXX XXXX XXXX XXXX XXXX, SD XXXX Thank you for your cooperation. Sincerely, Your Customer Service Team '' After calling the " executive office in South Dakota '' which obviously is an escalated customer service center, the rep states that the ban is not permanent in terms of calling CS. So the next day I call Citi back to check my balance and come to find out now my account is closed. They asked me if I received the letter sent out I said no. Here is the REVISED version of the letter from above ( for closure of account ) " We are contacting you regarding your Citi ( R ) Diamond Preferred ( R ) Visa ( R ) account. When we spoke to you on XXXX XXXX, 2015 you were abusive and/or threatening during the conversation. Based on this, we 've decided that we 'll no longer accept your phone calls in the future. If you have any questions about your account please send your inquiry to us at : Citibank XXXX XXXX XXXX XXXX XXXX, SD XXXX Thank you for your cooperation.
Sincerely, Your Customer Service Team
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| 02/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This message is to follow up on my previously submitted complaint regarding my mortgage application. After receiving a response from XXXX XXXX with Citibank, the CFPB system automatically closed my complaint but the issue remains unresolved. Please see my feedback below originally submitted on XX/XX/2022.
Dear XXXX XXXX, Thank you for your response to my complaint and for the fee reimbursement of {$200.00}. I appreciate your teams investigation into our experience while applying for a home loan. Unfortunately, your records do not accurately reflect what was communicated, or more explicitly, not communicated to us.
We received a call on Saturday XX/XX/XXXX from XXXX XXXX stating that the underwriter was requesting more information regarding the nature of '' my Husband 's employment with his employer, XXXX. There was no mention of a pending or even potential denial during this conversation. In fact, the word denial was never spoken to us until the week of XX/XX/XXXX. XXXX asked us for an email explaining the conversion process at his employer which we promptly provided that same day. There was no follow up to that conversation and my records show that we reached out to both XXXX and XXXX XXXX multiple times in the days that followed. They were unable to provide a substantial update on the status of our application for the next two weeks.
To reiterate, Im not upset that our loan was denied. Its within Citibanks right as a lender to approve and deny applicants based upon whether they meet certain criteria. Im upset because your employees failed to follow up on our application which left us with no alternative options when the message was finally delivered at XXXX XXXX on Friday XX/XX/XXXX ( our extended closing date ) that the application was officially denied. Its inexcusable that no one within the company notified us sooner, as the dates were clearly outlined in the purchase and sale contract. Furthermore, myself, my agents and the closing attorney were reaching out multiple times a day asking for updates and were ignored by your employees.
The complete disregard and unprofessionalism of the loan officer was so apparent to everyone involved in this transaction that the closing attorney literally threatened litigation because of his incompetence. Had Citibank provided us a formal denial even a few hours earlier, we likely could have renegotiated our contract with the seller and mitigated the risk of losing both the house and our {$20000.00} escrow deposit.
By waiting until close of business on Friday to finally inform us of the denial, Citibank left us backed into a corner with the Seller threatening to walk away from the deal and take our entire escrow deposit. Citibank and its employees treated us like we were an afterthought. I explored every internal and external avenue I could think of to have this situation escalated, which I described in great detail during my initial complaint. These efforts were entirely fruitless. No one from the organization was willing to take ownership over the mishandling of our application or push for a resolution.
As previously explained, we had to pay the seller {$7000.00} outright to prevent him from taking our full escrow deposit. I am seeking reimbursement from Citibank for these funds. The resolution of this issue is extremely important to me. At the time we applied for this loan, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Its shameful that an organization as sophisticated as Citibank would put a family in a position like this because of pure negligence. I will continue to escalate this using any means available to me. As a Citibank customer for over ten years, I implore you to please make this right. Its money that would still belong to us had Citibank met the bare minimum of their obligations as a lender and informed us of the approval or denial within the timeframe noted in the contract.
|
| 04/17/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Company closed your account
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|
Web |
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I opened a 1 year XXXX ( 2.5 % interest rate ) with Citibank and received a letter from them dated XX/XX/2020 stating my XXXX would mature on XX/XX/2020 and that it would automatically renew for the same term unless I request a change. So, to this effect, I called Citibank on XX/XX/2020 and spoke with XXXX ( reference number XXXX ). I told her I received the letter and wanted to make sure the XXXX does not renew. She at some point said she was having difficulty hearing me but then seemed like she understood the reason for my call. She explained that if I did not wish for the XXXX to renew they could mail me a check and specified the amount that would be mailed to me ( which I later learned was not even the 2.5 % interest amount which I had originally agreed to ). At the end of the phone conversation, she told me to allow 5-7 business days for me to receive the check at which point I actually clarified and said, " you mean 5-7 days AFTER the maturity date '' to which she clearly replied " yes ''. At no point did I say I wanted to terminate the XXXX prior to the maturity date. I was very clear as to the intent of my call which was simply to make sure that the XXXX did not automatically renew.
On XX/XX/2020, I received a check in the mail ( in amount which was actually {$550.00} less that the amount XXXX had told me ) from Citibank. It was then that I realized what she had done. She had quoted me the value of my XXXX on the day of my call ( before maturity ) and taken it upon herself to close the account prior to maturity rather than waiting for the XXXX to mature and then send the check which is what I understood she was going to do. I called Citibank that same evening and discussed the issue with the supervisor ( XXXX ) who told me she would file my complaint with XXXX and send her an email to see if XXXX or her manager could fix the problem since XXXX, the supervisor, was unable to do so. I inquired with XXXX and she confirmed that Citibank would be able to listen to the pre-recorded phone call to verify my complaint using the reference number above. She also recommended that I call at XXXX the next morning and file a " Presidential complaint '' with the Executive Response Unit. I tried to do this the following morning but when I called Citibank and spoke with XXXX, the daytime supervisor, she said that office could not be contacted due to COVID-19 and that I would just have to wait for them to call me directly since XXXX had put in a request for them to contact me the prior evening ( which she had not told me she would do. XXXX assured me the Executive Response Unit would call me the same day since XXXX had put in the request but I received no such call.
I called my local branch in XXXX, XXXX on XX/XX/2020 and spoke with XXXX, the assistant manager, and was told the branch would be unable to assist me since the XXXX was closed by the customer service representative over the phone. I was told to call them back to try to resolve the problem.
I have since called several more times ( with hold times over an hour and at times even being hung up on before being able to speak to any representative ) but I have been unsuccessful in my attempts to get the full amount which I am due for the 1 year XXXX that I did not authorize to be closed prior to the termination date. In fact, I have not cashed the check yet from Citibank because theoretically the funds should have remained in the XXXX until XX/XX/2020 and I fully intended to keep the funds there until maturity. I even suggested to Citibank to put a stop check in effect and " reopen '' the XXXX since I did not authorize it to be closed but they told me that would not be possible.
Your assistance in this matter would be very greatly appreciated. I am so grateful I have an organization to turn to for help since I myself have been unable to hold Citibank accountable for their unethical actions.
|
| 12/19/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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This co. has the worst customer service both in store & via phone. They have done little to nothing to resolve the problems. I had a credit card with them XX/XX/XXXX. & closed it due to the fact they could n't figure out why I did n't get the card when they did n't list my address correctly & as I provided it in person & the store when I applied for it. The 2nd time I got another card this yr. I had the same issues! I never got the card because of address issues with their system not being able to take long street names. My address is what it is. Nothing I can do to change that! I finally got a new card after they closed the one I never got. Each time I 've gone into their stores it 's a struggle to find a register with a cashier at it. When I call their credit dept. by phone or try to place an order online it 's a struggle to get the right assistance. I 've had issues twice trying to place orders on their web site. The 1st time it just did n't take. I had to have someone take it by phone which I do n't like to do. She never tried to figure out what the problem was nor escalated it for help because I 'm sure she gets the commission on the sale. Too bad for her as all the merchandise was returned to the store. Then they never sent a pair of shoes or the post office sent them back claiming not to be able to deliver them when they 've delivered everything else to my mail box. Today I tried to place an order but that never went through because it 's not claiming it ca n't verify my billing address when they send me bills every month to my XXXX without fail. A credit person told me that he did n't know why it was n't taking, updated an address that they have on file which he says was missing my box #, then transferred me without telling me why or who he was transferring me to, which ended up being another order taker from the online dept. that I did n't ask to speak to. I asked him to get the problem fixed via tech support. I called 6 times including to the local store to get this one order placed yet no one could assist me with fixing the problem, they only wanted to assure that I 'd get more $ $ added to my bill! That 's not real customer service. Macy 's like many other retailers sends it 's customer service jobs overseas rather than employing Americans. If they employed Americans who speak good English then they would n't be getting reported to you now! Since they do n't & have repeatedly failed to provide me with the service I believe I 'm entitled to, then I have every intent to pay them off ( they 're lucky I threw away the tags to the purchases I recently made or I 'd return everything to clear my balance ), & close the account never to shop at or borrow from them again. I 've had all I can take from this horrible company that cares nothing about their customers. It 's all profit based concern for them which is why they 're continually losing money compared to other retailers. I see them going out of business come 2017. They will deserve it as they 've been poorly managed, hire people who are lazy or do n't speak English & never have enough help on their store floors. This is a huge problem with them that they refuse to acknowledge or rectify. As a consumer I do n't have to put up with it. I asked that they fix the address problems so that I could place my order myself on line but they declined to do it & failed to address it so I could place it myself. They never showed any interest in doing so. I 've bought the merchandise from another retailer who did n't complicate the process. I have a new PC with XXXX XXXX and use XXXX XXXX. So they ca n't say it 's a browser issue. An external browser would never tell me my billing address does n't match as they 'd never have that info. This is a Macy 's problem pure & simple that they refuse to fix. Their failure to assist is why I 'm filing this complaint in addition to the poor quality service levels.
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| 03/30/2016 |
Yes |
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Web |
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I am writing in regards to my CITI Best Buy credit card. I purchased a television for the price of {$1800.00} from a Best Buy store during a promotional period that offered 24 months of 0 % interest. I have been making regular automated payments that are well over the minimum payment required since the time of the purchase. I opted out of receiving paper statements sometime shortly after the purchase, but continued to receive various monthly emails from Best Buy, including statements, payment due date reminders, and confirmation emails for each automated payment that was received, as expected. However, the monthly email statements suddenly stopped in XXXX XXXX. Since my payments were coming out automatically each month, it did not occur to me that I was not receiving statements as I had for the previous year. I knew that my balance was very close to being paid in full.
On Saturday, XXXX XXXX, XXXX, I finally received another emailed statement. Prior to this, I had not received XXXX since XXXX XXXX, XXXX - a full calendar year prior. On the XXXX XXXX, XXXX statement, the email noted that my account balance was now over {$1000.00}. I thought this must be a mistake, or that my account was used fraudulently.
I contacted Best Buy credit card customer service first thing on Monday morning, XXXX XXXX, XXXX to investigate the issue. The first individual that I spoke to informed me that the promotional period with 0 % interest had expired on XXXX/XXXX/XXXX, and that I had now been charged an interest fee on the entire {$1800.00} purchase. I explained that I had received no notification, no statement since XXXX XXXX, and had no knowledge that this interest was going to be charged, or I would have paid the {$340.00} balance in full first. She informed me that if I had contacted customer service within 30 days of the interest fee being posted - by XXXX XXXX, XXXX - they could have reversed the charge. However, now that it was XXXX XXXX, XXXX - 6 days later - there was nothing she could do. I then asked to speak to a supervisor. I then spoke to a man who I was told was in a supervisory role. He was rude and unhelpful. He told me that the issue was my fault, and that I had not received statements because I selected the paperless option for my account. He provided no explanation as to why I received statements through XXXX XXXX, XXXX and nothing since then, even though I had not changed any preferences in my account from the time it was set up. I asked to speak to another supervisor. After attempting to refuse to transfer me, he finally agreed and put me on hold.
I then spoke to a woman, who was also rude and argumentative on the phone. I explained the issue to her again. According to her, the system on her end showed that I was sent an email statement every single month since my account was created, and she could not explain why I did n't receive them on my end after XXXX XXXX, XXXX. I explained to her that this was in direct conflict with the information I was given by the previous representative, who told me I did not receive any statements because I opted not to. She offered absolutely no explanation for the conflicting information coming from her department. I explained that I felt I should not be held responsible for nearly {$800.00} of interest charged to my account, as I was not properly notified of the charge. I was also not given fair opportunity to contact customer service within the 30 day window that would have allowed for the charge to be reversed since I did not even receive a statement within 30 days. She refused to help me, and told me she would escalate my issue and I would receive a call within 48 hours. I never received the call, and called back 3 days later. I was told the previous person never even requested the escalation of my issue, and she had lied. The customer service dept now wants me to contact corporate to ask for a resolution.
|
| 06/22/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
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|
Web |
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I have been back in school for over a month at this time after taking a month leave of absence. Citibank along with my other student loan lenders were informed of this approved University break. Hopwever, last month ( right before I started back in class ) I began to receive continued phone calls daily from Citibank indicating that I was late for a payment. When I answered and spoke to a representative she informed me that she would notate the file to show I would be back in class and there shouldnt be any issue with getting the information updated, a week went by and I was still receiving the harassing phone calls of up to XXXX times a day sometimes XXXX times within XXXX hour. I assumed they would stop like the last rep said, but another week went by still with the harassing phone calls. ONLY Citibank was doing this, my other lenders all updated their systems and were completely fine with everything going on. I answered XXXX of the many calls again and spoke with yet another rep who indicated that it did show I was back in school and that I didnt need to do anything she would notate the file well but made mention that she couldnt " remove me from their automated system '' therefore although I remained in compliance with the rules, I still had to be harassed daily by a collections machine making me feel like I was running from my financial responsibilities and being a negligent person. Every time the calls would come in I would become more and more anxious as they never seemed to stop. I began to think thoughts like what if the rep lied to me and they are thinking im delinquent? What if I get a 'ding ' on my file now after my clean record of never missing a payment? What if this misunderstanding screws me from ever getting my mom off of my loan as a co-signer? The thoughts kept getting worse and worse, my boyfriend kept trying to calm me stating that I had done all that I needed to do on my end to keep them informed. However, this morning, I received a call from an XXXX number. Due to being at work I wasnt able to answer the call, but I did XXXX the number to see if I could find out who it was. Turns out it was a 'collections agency for student loans ' Citibank had lied to me again and now they are trying to tarnish my name and credit and punish me for getting back into school. A pit formed in my stomach and I felt like screaming because I am so tired of feeling like they have me chained by the neck and no matter how hard I try and comply or work with them, it is never good enough. I called Citibank to speak with a representative and when I informed the woman of my previous conversations with other rep 's she did tell me the account was notated but it was showing that I was on a 'Leave of absence. ' Shocked at this obvious lie, I tried to get furhter information out of her but much like every other horrible phone experience she was very vague and wouldnt tell me much about my last few conversations I had and how they notated the file. I told the rep that those prior reps had both informed me i would not be negatively impacted and I had even asked for them to notate my file of this since I am used to this horrible treatment with them. The women ignored what I was telling her and said that I needed to fill out another in-school deferment form. I told her that I have been in school for other a month and why was every other lender aware of this BUT Citibank, the woman refused to explain that and tried to place the blame on the school. The women then told me that if i were to get the in-school deferment on file then CItibank would 'back date ' any delinquencies that are showing as of now. I once again asked her to notate that she told me this on my account but who 's to say she even will. I am so frustrated and defeated with this company and wish someone would finally expose them for the fraudulent, dishonest acts they perform every day to thousands.
|
| 12/11/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I was in XXXX XXXX on XX/XX/2020 to replace a leaking refrigerator. Having recently losing my job due to the pandemic and also being a single parent replacement of the refrigerator was going to cause financial hardship but was a necessity. While I was in the store I learned that the Home Depot Credit Card from Citibank was offering a great financing option of 24 months and {$100.00} off of my purchase which was expiring on this night ( the promo on the appliances expired that night as well ). This offer made the purchase much less devastating so I agreed to apply for the card knowing that I would be approved because I am extremely cautious to ensure that my credit it always excellent. As expected I was approved for a {$6000.00} credit limit. As I attempted to make my purchase the clerk was asked to call to verify that I was a legitimate customer. First of all, I was not happy at all that I had to use the public store phone during a pandemic to speak with Citibank. That was way out of my comfort zone due to my underlying health issues. Being that I had to supply personal information I did not have the option of using speakerphone in the store. I was asked if I had my cell phone with me and I did not, I had inadvertently run out without it. Usually when I have to verify my identity the ask me a series of random questions based on my credit history, such as, Who do you have a car loan with?, What town have you lived in etc. That did not happen. I was asked if I have another Credit Card with Citibank, which I do not. That was it. I couldnt verify by Cell Phone and I didnt have another Citibank Credit Card therefore I was told I could not verify and could not use the credit card that I was just approved for and would have to wait for a letter to arrive to my home with a confirmation code. WHAT???? Had I been told prior to applying for the card that these were the only means for verification I certainly would have never agreed to have a Hard Hit on my credit report. I need to replace my refrigerator that day, I was told that a letter would be mailed in 1 week to 10 days ... are they kidding me! All promotions end that day and I needed a replacement refridgerator! I quickly ran home to retrieve my cell phone. Again going through the checkout process and the call for verification and once again contact with the public store phone. I now had my phone in hand and was ready to verify. I was asked if the phone account was in my name ... why is that relevant??? I have the phone that is associated with my account. I have a family plan with my sisters family in order to receive her military discount. This apparently, once again made me ineligible to verify my identity ... because my cell phone account is in my brother-in-laws name???!!!! What kind of ridiculous, inefficient system do they have to verify people. I spoke to a supervisor who told me there was no other way to be verified. I am beyond furious I now have a hard hit to my credit report for a card that I was approved for but was blocked by Citibank from using! I spoke with a very rude and passive aggressive woman at Citibank named XXXX at Citibank Executive Offices who advised me that the offer to resolve the issue was to cancel my card but she still refused to remove the Hard Hit from my credit report. THIS IS COMPLELY UNACCEPTABLE. They did not disclose their verification process prior to the application process and therefore are very deceptive to their potential customers. I was approved for the card and was blocked from using it. My request is that card cancelled immediately and I want the hit to my credit reversed and removed immediately their inefficiency to devise a program to verify legitimate customers should not be the problem of the legitimate customer. I will never, ever do business with Citibank. Not only did they not offer a reasonable resolution but their customer service is deplorable.
|
| 11/07/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
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|
Web |
Servicemember |
|
SUMMARY OF COMPLAINT : I opened a joint savings account with my wife with Citibank appoximately XX/XX/2019. Citibank closed the account XX/XX/2019, apparently for missing documentation. Citibank promised to refund the deposits ( totaling over {$190000.00} ) within 10 business days. They have still ( as of XXXX XX/XX/2019 ) not returned any funds and have been either unwilling or unable to provide any path forward for us to be able to retrieve our funds.
DETAILED COMPLAINT : Approximately XX/XX/2019 my wife and I opened a joint savings account with Citibank. In XXXX we made deposits totaling {$190000.00} into the account. I received a statement from Citibank showing deposits plus interest in the account totaling {$190000.00} through XXXX XX/XX/2019. Statement is attached.
Next I received a letter from Citibank dated XXXX XXXX 2019 ( attached ) stating the application was incomplete due to either a missing signed signature card or possibly an issue with a credit agency. The letter stated the account was being closed and we would receive the previously deposited funds within 10 business days.
I never received the funds and called on at least 3 occasions in XXXX 2019. I was told on each occasion that a check with the funds would arrive at our address within 7-10 business days. The check never arrived.
On XXXX XXXX 2019 I called again and a Citibank agent said that the check had never been sent, despite the previous multiple assurances during previous phone calls in XXXX. She then provided new information and said that the check would not be sent to the address we used when we opened the account because we did not provide utility bills or other proof of address. This new information conflicted with the written correspondence from the letter XXXX XXXX, and conflicted with all of the information from the phone calls in XXXX when we were told the check would be sent in XXXX.
I explained that my wife is XXXX XXXX military and we just moved to our address in North Dakota ( the same address used when we opened the account ) and that we live in base housing and our only utility bill is a single cable bill, and that we could also provide a copy of the first page of our lease with our current address.
The Citibank agent did not know if this would suffice but asked me to submit the cable bill and the first page of our lease. I submitted that information via docusign on XX/XX/XXXX and Citibank confirmed receipt and said they would have a response within 10 business days ( see attached email ).
I never received any further response from Citibank. I called them on two further occasions on XXXX XXXX and XXXX XXXX to ask about the status and they were not able to provide any timeline for resolution or any remedy or other method for us to retrieve the funds. They stated the " back office '' was still working on it but they were backed up and decisions from the back office were taking longer than usual. I asked for some written correspondence to update me on the status and still have not received that. The last response I received from them on XXXX XXXX was essentially verbal advice to just keep waiting.
At this point, Citibank has refused to refund our deposits totaling over {$190000.00} for over three months since they initially notified us that they are closing our account in the letter dated XXXX XXXX. They have repeatedly given us false information as to the status of our refund. They either have not been willing or able to provide any path forward for retrieving our funds. They have repeatedly broken their own policy deadlines on their original correspondence from XXXX XXXX and from their email correspondence on XXXX XXXX.
I do not know the status of our account or it's current value as it is unclear if it is accruing interest or if they are just holding it interest-free.
I am seeking the immediate refund of the money in our savings account.
|
| 05/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
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Web |
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On XXXX XXXX, XXXX, I contacted CitiMortgage and spoke with a customer service agent to collect information regarding the elimination of PMI from our home mortgage. I spoke with a young lady who was extremely thorough and seemed genuinely interested in helping us. I explained to the agent that my wife and I had recently retired and we were adjusting to retirement, especially with our finances. The young lady provided me with the following information, with absolute certainty, regarding our mortgage : 1. In order for us to qualify for the removal of PMI from our mortgage, our loan to value must meet the requirement of being 78 % or lower.
2. At the time of the conversation, our LTV was 94 %.
3. In order to meet 78 %, our home would need to appraise for {$390000.00}.
4. If our home appraised for at least {$390000.00}, that the PMI would ( not could, or possibly could ) be dropped fro : ; XXXX our monthly mortgage.
5. We would also receive a refund from the insurers for any monies that had been provided for pre-payment of PMI that was presently being held.
6. By meeting the appraisal value of {$390000.00}, our monthly mortgage payment would be lowered by the amount of {$330.00}.
She commented, " yes, you are correct. All I need to do is send you an appraisal consent form. You complete the form and fax it to the number provided. '' There was never any mention of additional requirements that had to be met for either Citimortgage or the underwriters.
The appraisal was ordered, performed, and when returned, the home appraised for {$460000.00}. I immediately submitted the required paperwork and the appraisal.
I later received a letter of denial from Citimortgage explaining that we did not qualify for the elimination of PMI. The letter contained completely different financial data and information from what we were provided by the customer service agent during my phone conversation of XXXX XXXX. The letter further stated that our LTV ratio was 79.25 % and the LTV ratio must be 75 %, instead of the 78 % that was guaranteed by the agent and that they remove the PMI if I paid them {$19000.00}.
On Friday, XXXX XXXX, I spoke with Citi customer service agents and supervisors in regards to my request in XXXX XXXX to drop PMI, I again expressed my concern regarding the discrepancy between my current LTV of 79.1 % and Citi 's records that indicate an LTV of 94 %. After some discussion, I was finally informed that the 94 % LTV was based on the original appraisal performed in XXXX, not the appraisal that was ordered by Citi for refinance purposes, an appraisal that came in at {$460000.00}.
At this point, I asked why I was required to pay for another appraisal if it was not to be used to calculate the current LTV. I was told that the new appraisal was requested only to confirm that the current value of the home had not declined or was still acceptable.
In XXXX of XXXX, I requested that Citi Customer service agents review the audio recording of the conversation I had with the agent who gave me the information that we would definitely be able to remove the PMI if the new appraisal resulted with an LTV below 80 %. Thus far, I have not seen nor have I been informed by anyone at CitiMortgage that this recording/conversation was ever examined.
I believe that their tactics were dishonest, unethical, and misleading. I was misled to believe that the new appraisal, if high enough, would -- without question -- allow me to eliminate the PMI from my mortgage. I asked why I had to pay for a second appraisal if it was not going to be used to determine LTV and was informed that it was to make sure that the home had not declined in value or was still acceptable.
I was given conflicting financial information, ordered to pay for an appraisal that was never to be used in calculating LTV, but rather to satisfy Citi 's need of assurance regarding our home 's condition.
|
| 04/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
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Unresolved Citibank issue ( {$250.00} ) XXXX XXXX, XXXX {$23.00} was the original amount for an administration fee ( everything else is late fees imposed by Citibank ).
This was a government issued credit card that was used for official traveling purposes only.
The training class that I was attending ended a day early so I did the right thing and changed my flight to an earlier one. Upon return, I filed a timely expense report, as required. There was an additional amount charged of {$150.00} and a CTO fee of {$5.00} ( original fare was {$340.00} ). These were all the charges. I have all records. There was no other administration fee at the time I filed my expense report that I was made aware of. If there was I would have included it, obviously. I only became aware of it after I was terminated from this job when I received a letter from Citibank. ( If I was still working there it would 've been an easy thing to amend. ) I immediately contacted my employer. I was told that I did not owe it and they would take care of it.
XXXX XXXX Received first letter from Citibank for {$23.00} ( this is when I first became aware of the charge ) Called employer ( XXXX ). XXXX left me a voice message on XXXX XXXX stating that I did n't owe anything ( I have the voice message ). He forwarded emails stating this to XXXX several times. I also called XXXX several times and left several messages. I never heard anything back from him.
XXXX XXXX XX/XX/XXXX called and left messages for XXXX, XXXX and XXXX ( heard nothing back ) XX/XX/XXXX called and left messages for XXXX, XXXX and XXXX again ( heard nothing back again ), Also called and left messages for XXXX and XXXX, XXXX name given to me from Citibank. ( heard nothing back from anybody ) XXXX XXXX XX/XX/XXXX called and left messages for XXXX, XXXX, XXXX, XXXX and XXXX XX/XX/XXXX talked with XXXX and XXXX. XXXX said he was going to look into it. XXXX was not helpful.
XX/XX/XXXX called and left messages to the same XXXX people.
XX/XX/XXXX XXXX finally got back to me. She said HR ( XXXX ) is refusing to pay it.
XX/XX/XXXX talked with XXXX again.
XX/XX/XXXX called and left messages for XXXX, XXXX and XXXX. XXXX returned my call and left me a message stating that they are working to get it resolved ( I have the voice message ).
XX/XX/XXXX talked with XXXX again. Left messages for XXXX and XXXX. XXXX returned my call and said it should have been paid in the beginning. She said it will be paid by the beginning of the following week but not the late fees! Nothing has ever been paid!
All along I continued to make calls to Citibank with no luck. I ask for a manager to call me back and he was completely dismissive. He was unwilling to do anything and refused to talk with me.
XXXX XXXX Citibank has now sent this to a collection agency ( XXXX XXXX XXXX ).
XX/XX/XXXX called XXXX Services twice. XXXX with XXXX. He filed that I 'm disputing it and forwarded it back to Citibank. He said it should be there by Thursday. Also called Citibank twice. XXXX with XXXX and XXXX. They said they could not do anything until they get it back.
XX/XX/XXXX called Citibank again. XXXX with XXXX who was no help and said they are not able to do anything with government cards! She refused to forward my call to a supervisor. She continued to refer me back to XXXX Services even though I repeated several times that they sent it back to them. Citibank has refused to work with me since day one! They have harassed me continuously with XXXX voice messages!
I have done all I can to resolve this matter and have been unable to do so. I have spent hours on the phone alone. It has affected my health over the last several months as well.
This was a legitimate business expense and I expected the government to pay all along.
I had spotless credit before this and insist that it be rectified immediately. Thank you for your attention to this matter.
|
| 11/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Subject : XXXX Collection, Account number ending in XXXX XXXX I have been attempting to work with Citi XXXX XXXX to have this account reported accurately on my credit report with all three bureaus ( XXXX, XXXX and XXXX ) This was a XXXX XXXX account that was taken over by Citi XXXX XXXX when it went to collections. In XXXX I began the process of repairing my credit and paying accounts that had gone delinquent in XXXX when I graduated from XXXX XXXX XXXX. While in school I had a job and used student loans. After I graduated while I was looking for a job a few of my credit card accounts went delinquent as I was under-employed and looking for a job as a dental hygienist.
I was able to contact all of my creditors and pay the balances I owed to them, except for XXXX/Citi. When I contacted them I was told the account had gone to collections, had been charged off, and they could not legally sue me or collect on the account. I received a XXXX from Citi for the XXXX XXXX Tax year. It indicated they charged off {$1400.00}. When I filed my tax return I paid tax on this money as income. ( XXXX attached ) This account shows up on my credit report reporting from XXXX, Account number ending in XXXX XXXX, with a balance of {$1900.00} and a past due amount of {$1900.00}. This is contradictory information as to what was reported when the account was charged off.
On the following days I spoke to the following employees of Citi XXXX to request a letter from them that I could provide to the three credit bureaus so that this account will be reporting correctly on my credit report.
XXXX XXXX # XXXX XXXX/XXXX/XXXX XXXX XXXX # XXXX XXXX/XXXX/XXXX I was told a letter would be sent to me within 10 days. When the letter arrived it said among other things that they are no longer attempting to collect on this debt. It went on to say the charge off amount would be reported to the IRS ( which it was ) The credit bureaus have told me they will not accept this letter to accurately report this account on my credit report as it does not contain the following information and verbiage : Required information : On Company Letterhead, With accurate account number that corresponds with the account number ( XXXX XXXX ) on my credit report and XXXX I received, Subject : XXXX PL account, Addressed to me.
Verbiage acceptable to the credit reporting bureaus to accurately report this account on my credit profile : This letter is in response to a request for a credit reporting adjustment. We researched our records and instructed the agencies to make the following changes Account Closed/Account Charged Off/No longer collecting on the account/Zero Balance Due.
We have submitted the completed Universal Data Form to each of the three major credit bureaus listed below so that they may update their records. Please be aware, however it may take 30 days for the update to reflect on your individual credit report.
XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account was charged off, I paid the applicable income tax for the charge off, they can no longer legally collect on the account which means I ca n't pay it, I tried to pay it and was told they ca n't legally collect on it. To further add to this insanity, Citi XXXX will not allow me to give the three bureaus permission to speak with them to get accurate reporting and the three bureaus will not allow me to be on a conference call to Citi to get information for accurate reporting. This is a hamster wheel of dysfunction. I have the right as a consumer to have accurate account reporting on my credit profile. I have tried to work with Citi XXXX and while they were very professional and very nice, I have not been able to get from them what it seems I am legally entitled to and this is for them to send me a letter that they will be reporting this account accurately to the three bureaus.
|
| 06/07/2016 |
Yes |
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Web |
Older American |
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I am writing on behalf of my XXXX-year-old mother who is in XXXX XXXX. She and I receive daily recorded phone messages from CitiBank ; yet I do not have a Citibank credit card. I believe they are calling because of the following : On XXXX/XXXX/XXXX, my mother purchased a {$35.00} Home Depot Gift Card for her grandson 's XXXX gift. She had not used this Home Depot credit card since XXXX, XXXX. Evidently, XX/XX/XXXX the credit card statement was sent to the address on the account ; however, my mother had moved from that house in XXXX, XXXX and we followed all postal service rules to forward her mail.
On XX/XX/XXXX my mother called me ( I live in XXXX, and handle her finances due to her age and XXXX issues ) XXXX, telling me she received a phone call from a man from Home Depot division of Citibank, that she owed over {$100.00} to Home Depot. She did n't remember the gift card at first, but then explained that she did buy the {$35.00} card, so why did she owe so much money? She never received a bill. He became very nasty and verbally abusive and threatened her with a collection agency ; he demanded her address, which she provided in fear and confusion. She told him she wanted to speak with someone about this, and he gave her a supervisor 's phone number. I think she hung up with the man and called XXXX ' at XXXX. XXXX told my mother she had to pay the entire amount by XXXX and gave my mother a post office box mailing address.
She was extremely agitated when she called me and recounted this. I was outraged that a company could treat a customer of advanced age so rudely ( they have her birth date, so they were aware how old she was ). I called the same number and spoke to XXXX ; I explained the situation and asked if these added fees ( {$64.00} in late fees and interest to date ) could be waived, since my mother was not at fault. I was ready to write a check for the original {$35.00} and mail it. XXXX then told me she could n't discuss the account since it was in my mother 's name ; she needed mom 's authorization to speak with me.
On XXXX/XXXX/XXXX, I called my mother and initiated a 3-way conference call with a Citibank rep, who transferred us to XXXX in their 'Escalation Team '. I explained the situation again, and he said he was only authorized to remove XXXX late fee! I reminded him that this was Citibank 's fault - mom 's mail had most likely been returned after the forwarding order expired, and Citibank never pursued the issue or attempted to determine her current address. ( by the way : I had no idea my mother still had this credit card in her possession, since I took her cards when she moved into the assisted living facility-she had no need for them-but left her with a debit card and XXXX CitiCard that she 's had for over 30 years. I followed up on all her accounts that I knew about ). I repeated my offer to immediately pay the original {$35.00}. I then verified the post office box address my mother had been given. Mom then closed the HD account. I wrote the check from mom 's chkg account, marked it " paid in full '' on the front and back ; it was cashed on XXXX XXXX as a " converted check ARC '' so there is no image available.
About 3 weeks ago, my mother told me she was receiving daily calls and voice mails from Citibank. I told her to ignore them. On XXXX XXXX, I began to receive these same daily calls and voice mails - why?? I pick up the phone and receive an automated message - " We 're sorry we were not able to speak with you personally ... '' Today, I called the number left in the messages ( XXXX ) and asked why I was being called, since I did not have a CitiCard. XXXX asked if I had a Home Depot card ; I responded that my husband and I do, but have n't used it in years. She asked for my phone number and said the calls would stop, but I received another one about an hour later.
Mom began to receive statements, which I do n't see.
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| 05/08/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I went to Citibank to deposit money for my account and they denied me the opportunity to do this. At the bank they told me that there was a note written from their back office. XXXX told me to wait until tomorrow and I would hear from the bank. On XX/XX/2020 when I emailed the personal banker XXXX on informing him I got a letter from Citibank fraud department. He never responded to me. I also never heard anything back from the bank So I called customer service and asked the agent to transfer me to the fraud team. They informed me the department was closed. The next day I contacted the fraud department at phone number I received in the mail and it was still closed. I was calling during business hours and the fraud department was closed. I thought this was an error so I called customer service again at XXXX. They told me to call back because the department was closed. I called again at XXXX XXXX and the department was still closed.
I then called a different number to get to the fraud department. The fraud department informed me that I need to call the identity theft department. The caveat here is I called the number the fraud department gave me to the identity theft department. When I called the identity theft department there was a message that department was permanently closed. I then call the fraud department back and they said thats who I have to talk to.
I am so frustrated with no being able to reach anyone that I file a complaint with the XXXX so I can get a hold of someone. I was informed they need to investigate this. At this point I don't believe anything Citibank tells me because any information I have gotten has been wrong or no one has followed up.
Citibank is a good company I have had great relationships with them with their credit cards. My mother also had Citicard for years and always praised Citibank for their great customer service. I have even had a Citibank account in XXXX.
What concerns me is that I spent 2 hours of my time going to the bank to open the account. Then I do not receive any mail for 3 weeks saying theirs an issue with my account. Then when I go to address it at the bank or over the phone I have no one to help me resolve this problem.
I find it very serious and inconvenient that I opened an account and they want to close it without me telling them to. I also find it very serious that if I want to open accounts in the future with Citibank that theyre not going to keep it open.
What frustrates me even more is I was sent a targeted offer to open a bank account to earn 50,000 miles. I opened it on time and now if they close my account I am not going to be able to get the miles. I was going to use those miles to visit my grandmother in XXXX who is XXXX and can die at any time. This is the second time I was sent an offer and now they want to take it back which is not cool. The first time Citi cards sent me an offer on the platinum card but they should not have so they gave me 10,000 miles. I just want to bank at XXXX like every other customer that uses this bank! I also want to keep my bonus miles opportunity.
What I also did not get is their was an opportunity to get less miles and deposit less money but the banker did not understand what I was talking about but it says that in the offer.
I would have informed you that it was identity theft but it was not. I have been a victim of identity them and have attached the police report. Opening this bank account is not identity theft because I opened it myself.
I also want to say that Citibank pulled my chexsytems. I now have their inquires on my credit reports. I feel that its unfair that they close the account because now I have to have more inquiries on my credit report which affects my credit when applying to other backs. I can be denied credit because of this. If I have to reopen a new account thats more inquiries on my credit report. That is not cool
|
| 10/21/2016 |
Yes |
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- Credit card protection / Debt protection
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Web |
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I opened a secondary credit card account with Home Depot/City visa, to be used by my trusted contractor, along with a XXXX credit card, for my house repairs. I set them both to be paid in full every month. The first 3 months, I had to go inside the store to make payments in person, since their system failed to activate for automatic payments. Later on, the automatic payments took effect. The charges were paid my XXXX checking account ( records attached ). Some of the first payments show that I had credit balances. The charges were very similar each month, so I made sure that I always had enough money in the bank to cover them every month. Later, because I was receiving too much of paper, so I decided to switch to a paperless account. Somehow, about the same time, and WITHOUT MY AUTHORIZATION OR KNOWLEDGE, I got switched to a minimum monthly payments only account! I started receiving ONE SHEET of paper instead of paperless, stating that " My account will be deducted the payment I authorized shown below or if less, the BALANCE DUE on the account '' The charges still looked similar to the previous ones, so I believed that I was making the IN FULL monthly payments I authorized, since I had never received or saw any statements or signs of accumulation of debt or finance charges or anything else in that one piece of paper I was receiving every month, or in any other ways of communication! The representatives argue that the statements were sent electronically and it was my responsibility to check for them ; which is unreasonable because if they were sent, they went directly to my junk mail, so I had no idea or suspicion, I learned later, that it happened because of the much advertising, they went directly to junk mail. Once construction on our house finished after almost 2 years, I called to cancel the account, and to my shock, their agent informed of a balance, over {$4000.00}! Which I assumed it was a fraud! After reviewing all the agent understood, apologized for the situation, she waved 6 months of finance charges, as her limitation. After I offered to make an extra effort to somehow come up with the money to pay for all the purchases only ASAP. I have been unemployed for a long while, so this means making an even bigger effort for my family and I right after construction. She guided me to call the escalation department hoping to get the extra charges removed. I have contacted many supervisors who apologized to me for the error, but reiterate being unable to remove any more.charges. I requested a settlement to pay for the purchase only in the account. They informed me that because " I made ALL PAYMENTS ON TIME '', I do not qualify for that either ''. I 'm a very responsible citizen with no credit problems ever. I have been a victim of their mistake and their lack of better communication to me as a customer. It 's obvious that their only form of communication was not efficient. Even though they were sending paper letters to me on a monthly basis, they never informed me of any balance carried over in 2 years! I have other paperless credit cards, I get from them a yearly paper statement, it is very helpful and efficient. I insist that I am being a very responsible person. I could had chosen to deny the charges, say I did n't make the purchases, or this is a fraud ; which in a way it 's true! I offered many times to pay for the actual purchases only, as long as they drop the more than {$800.00} in finance fees. I sent other payments to avoid the finance charges to grow. The balance now is {$3200.00}. Please help me make them understand that I 'm being victimized by them, and I need their help to bring this debt to a conclusion. This problem is overwhelming and is affecting my family and me a lot.
Thank you in advance for your understanding and support!
Sincerely, XXXX XXXX Thanks in advance for your understanding and support!
Sincerely, XXXX XXXX.
|
| 10/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
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I was the victim of fraud on my Citi Mastercard, but Citi investigated and erroneously concluded the charges are valid and will not remove them from my account. They failed to provide me any supporting evidence for their claim the charges were valid and they will not return my calls or further written correspondence on the matter.
The chronology of events is as follows : XX/XX/XXXX - while I was working and in possession of my credit card, two fraudulent charges were made on the card. One for {$19000.00} at " XXXX XXXX XXXX '' and one for {$31.00} at XXXX XXXX XXXX. Citi 's Fraud department called me to verify the charges. I emphatically denied the " XXXX XXXX XXXX '' charge but was confused as to the location I ate lunch that day and initially confirmed the XXXX XXXX XXXX charge. Upon realization of my mistake, I repeatedly and emphatically denied making either charge.
XX/XX/XXXX - XX/XX/XXXX - I have several follow up phone calls from Citi asking further question of me related to the fraud report.
XX/XX/XXXX - I receive a letter from Citi confirming the charge is under investigation.
XX/XX/XXXX - I receive a request from Citi to supply a copy of my driver 's license to further the investigation.
XX/XX/XXXX - XXXX email a copy of my Driver 's License to Citi at the email address they requested I send it to.
XX/XX/XXXX - I receive another letter from Citi confirming the charge is being investigated.
XX/XX/XXXX - I receive another phone call from Citi requesting a copy of my driver 's license. The representative says they did not receive my prior email and gives me a different address to send it to. I comply.
XX/XX/XXXX - I receive a letter from Citi informing me the investigation is closed and the charges have been deemed valid.
XX/XX/XXXX - I have another follow up conversation with XXXX XXXX at Citi, who I have been informed was the person in the fraud department who deemed my charges valid. I emailed him another copy of my license. He would not give me any supporting information documenting from the vendor proving my charges were valid. He instructed me I could request that information and file a written appeal to an address for which he provided me.
XX/XX/XXXX - I report the crime to the FTC in an Identity Theft Report ( FTC Report Number : XXXX ). I also report the crime to the XXXX 's XXXX Precinct ( NYPD Complaint # : XXXX ). The case is assigned to Detective XXXX XXXX of the XXXX Precinct.
XX/XX/XXXX - Detective XXXX calls me and informs me that he went to " XXXX XXXX XXXX '' to investigate the charge. He determined that there was a fake NYS license used to verify identity and that license had my name misspelled on it and the photo was of a person of a clearly different ethnicity than myself ( a dark skinned man, I am XXXX XXXX, XXXX XXXX ). Further, the vendor claims they submitted a copy of this identification to Citi when Citi requested it, so it should have been relatively simple for Citi to realize the proof of identification provided was not me.
XX/XX/XXXX - I mail a written appeal of my dispute to Citi along with all the documentation of the above. I send it by XXXX and have confirmation of receipt of the package by Citi Citi does not reply to me.
XX/XX/XXXX - I call Citi 's Fraud department, where a representative in Security Operations named XXXX XXXX says Citi has nothing in my account related to a written appeal and they consider the matter closed. She says that they do have a copy of my license via email on file. She refers me to XXXX XXXX for further follow up and gives me his direct phone number. I call it and leave him a voicemail asking him to call me back. He does not.
XX/XX/XXXX - I leave XXXX another voicemail asking him to call me back. He does not.
Meanwhile, Citi has started charging me late fees and a punitive interest rate >20 % on my account.
Please help me resolve this matter.
|
| 03/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Citibank has not handled my large dollar amount disputes in good faith. I paid for some home repairs by an unscrupulous contractor with my Citibank Double Cash credit card. When he stopped working on the project and I realized that some of the modifications he made to our contracts were illegal, I canceled my contracts with him, and tried to get my deposits back. The contractor refused to return my money, and so I disputed 5 credit card charges with him, because I had paid deposits in 5 different installments. One job was for flood damage repairs, and the contractor had finished less than 25 % or this job, but I had paid him about 75 % of the total cost in deposits. I worked out that the amount he owed me was {$13000.00} ( my deposits minus the work done ) based on his contract and an insurance estimate, since he did not provide detailed pricing. This was more than the largest deposit I made, so I disputed two charges for {$11000.00} and {$2300.00} to recover my deposits on XX/XX/XXXX. These two disputes were handled completely differently. The smaller charge went to charge-back and was resolved in my favor. However, the larger charge was never sent to charge-back. The reasons for this have changed over time. First, Citibank on XX/XX/XXXX, said my dispute was denied because I didn't provide enough information on the merchandise and did not try to return it, but this dispute involved no merchandise. It seemed that Citibank had confused this dispute with some of the other disputes discussed below. Next, on XX/XX/XXXX. they said that I did not provide enough information on the amount of the dispute. But, this was not consistent with their decision on the smaller amount dispute with the same facts. That dispute was resolved on XX/XX/XXXX, after the merchant did not respond to the charge-back. After this, I sent a revised accounting of the amount of the dispute, but they have not replied to this, although I have been told by their customer service representatives that this dispute is no longer being investigated. I enclose the details that I provided to get the smaller, {$2300.00}, dispute resolved in my favor. These details also justify the {$11000.00} dispute.
On XX/XX/XXXX and XXXX, XXXX, I disputed two other charges with the same contractor for improvements to my house to prevent future flood damage. These were for {$3100.00} and {$7100.00}, respectively. These were for charges for work that I had not authorized that were taken from deposits that I made to pay for other work. The unauthorized work was for installation of a 2nd sump pump just 12 feet from the first and an unauthorized extension of a drain pipe at a ridiculous cost. On XX/XX/XXXX, I was informed by Citibank that these disputes were being denied. On XX/XX/XXXX or XXXX, I discussed the reason for this denial with one of the Citibank investigators, who informed me that they required me to return anything that could be considered merchandise. This included unauthorized hardware that had been installed at my house that I was unable to return. So, this Citibank investigator indicated that I should modify the disputes with the amounts of this " merchandise '' removed. On XX/XX/XXXX, I revised these dispute amounts to {$2100.00} and {$7000.00}, and sent Citibank details on the cost of the " merchandise '' that I was unable to return. These disputes were declined without reference to this new information that I supplied in response to their request. Virtually all of Citibank 's responses seemed to confuse the different disputes that I submitted, so it seemed that the investigators were often confused. I have recently resent the details on these two disputes to try and resolve this confusion, and I enclose the details that I sent to Citibank and XX/XX/XXXX and XXXX, XXXX. Note that my calculation of the amount {$7000.00} contained an inadvertent error. The correct value is {$6900.00}.
|
| 12/19/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
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This complaint is in regards to a HELOC which was originated and approved by Citi Mortgage on XXXX/XXXX/XXXX. This heloc was approved by them in 7 days with no income verification, in the amount of {$430000.00}. At the closing I was not informed of the true risks and eventual costs of this loan due to the confusing terms in which I was misinformed at closing from the CitiMortgage closing representative. This closing agent misrepresented when the payments would revert from interest only to full payment status. I was specifically told at closing that I had 20 years before the interest only loan would revert to the higher payment. I was planning my finances accordingly. Looking back on when this loan closed, it would now be Non Conforming for reasons that after the financial crisis are now obvious.
There was false disclosure as the lender ( citi mortgage ) and their representative ( the closing agent ) misrepresented the true costs, risks, and the appropriateness of the loan terms which I am now faced with.
It was only after Citi sent a letter to me in XXXX of XXXX, that I was made aware that they would be requiring almost 3 times my current payment beginning this month. I was told at closing that this would occur in XXXX and not XXXX. So this month my scheduled payment went from {$1100.00} to over {$3000.00} per month. And this is before the recent rate increase by the federal reserve. There is likely another XXXX rate increases coming in XXXX as well, which will increase this scheduled payment even more substantially.
The letter that was sent to me by Citi in XXXX, requested that if I felt this increased unexpected payment caused a hardship and the amount was unmanageable, then I should reach out to them for relief in the form of a modification.
I reached out to a Citi homeowner support specialist on XXXX XXXX XXXX, and explained what I was informed at the time of closing and that I now consider that this loan was predatory in nature as this type of loan origination in XXXX was prevelant.
I explained that this scheduled increase would not be sustainable and that with further rate increases on the horizon, that I would lead to imminent default. She explained that if I sent in the modification package, that we could work through this and come up with an equitable solution that would prevent a default. I was told that I would receive an answer to my request for loss mitigation assistance in approximately 6 weeks.
It has now been 130 days since my initial phone call, and I have provided all requested documents in a timely manner. It is now 4 days before the payment increase, and I have been forced to put various bills on my credit card to avoid default for the XXXX payment. However I can not continue to pay bills by credit card going forward with an 18 % interest rate for obvious reasons. They put hard limits and timeframes on requested documents from the consumer, and it would be expected, that this application should have been reasonably expedited and handled in a timely and effective manner by Citi.
They have failed miserably in this respect and now I am on the verge of default and may need to consider other options. I have done the responsible action by seeking assistance, however for this to work, I have found that both parties must work togeather in an honest and constructive manner. I have already payed over {$120000.00} in interest with nothing to show for it. This type of loan should never have been pushed on us without explaining in plain English the eventual consequences. They had no problem approving this loan in 1 week, however they now choose to be totally unreasonable and can not make a decision in 130 days! I have informed them that if they help me then I will help them by not defaulting, however any assistance must be designed to resolve this imminent default. In conclusion, if they help me I will avoid default. Thank you
|
| 10/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
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Web |
|
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On XXXX/XXXX/16, I mistakenly directed a {$36000.00} payment ( via online bill pay ) from my checking account to my mortgage company, Citimortage, instead of to the credit card for which it was intended. ( note that I do not carry a balance on this or any credit card -- the amount was so large because it included a semester of college tuition ) When I realized the mistake on XXXX/XXXX/16, I immediately contacted both my bank and Citimortage. It was too late for the bank to stop the transfer and Citimortage indicated that they would be able to refund the payment once they received it. Let me confirm that my mortgage payments are fully up to date and my account is in good standing and I have excellent credit.
On XXXX/XXXX/16, Citimortgage confirmed that they had received the payment and indicated that I needed to provide via fax a 'proof of payment ' from my bank -- and that the refund would take a couple days. I provided this information via fax to Citimortgage on XXXX/XXXX/16.
On XXXX/XXXX/16, Citimortgage contacted me to say that they needed more information-specifically a 90 day running account balance of my checking account. I spoke to XXXX ( ID # XXXX ) who could not explain why the balance of my checking account had any bearing on the mistaken payment made and the refund requested. She confirmed that Citimortgage had the money and that they could see the account from which the payment came. She said that, due to the amount of the refund, this was their policy. And she promised to expedite the processing in their Research Department.
On XXXX/XXXX/16, we faxed our 90 day checking account activity. I spoke with XXXX at Citimortgage who confirmed receipt of the fax. He promised to call back with a status when the Research Department had a chance to look at the fax. And of course he promised to expedite the request.
On XXXX/XXXX/16, XXXX at Citimortgage called me back and confirmed that the information supplied was what they needed. XXXX said he had spoken to the Research Department and expedited the refund request and that I would have the money back into our checking account on XXXX/XXXX/16. XXXX said he would be out of the office on XX/XX/XXXX, but would reach out to me on XX/XX/XXXX.
On XXXX/XXXX/16, when the money was not back in our checking account I called Citimortgage and spoke to XXXX. XXXX was able to speak to XXXX, but then directed me to XXXX XXXX ( phone # XXXX, XXXXXXXXXXXX ) in the XXXX XXXX team. XXXX told me that XXXX was in error making any promises about the refund date. She said that they had 'just received ' the information requested ( that had been faxed on XX/XX/XXXX ) and that apparently it had not been processed. She confirmed that the information had been received and that it was what they needed. She advised that she would expedite the refund request and get back to me with an update. She said she could not provide an estimate on how much longer the refund would take.
On XXXX/XXXX/16, I left a message with XXXX at Citimortgage when I had n't gotten an update.
Today, on XXXX/XXXX/16, XXXX at Citimortgage called me back. She indicated that the checking account information I had provided was not what they had requested. While it included 90 days of deposits/withdrawals, it did not include a running daily balance. She had, however, requested that the refund be processed anyway. She said that she would hear back from the research department in another 2-3 days. I insisted on providing additional information from my checking account so that there would be no doubt that the refund would be issued quickly. I emailed that information to her on XX/XX/XXXX.
I believe that Citimortgage is unreasonably dragging their feet on providing this refund to me. In the meantime I have incurred expenses due to interest charges as I had to take money from my HELOC to pay the credit card bill while waiting so long for the refund.
|
| 11/12/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
|
|
XX/XX/XXXX I opened a bank acct with Citibank ( Citi ). A few years later I received a letter from Citi saying my XXXX promotion would end and a min. balance fee would apply to my acct. I was given a year before these changes would take effect. In XX/XX/XXXX, well before the Fed promotion was to end, I removed my money from the Citi acct, depositing it into a different bank acct ( XXXX XXXX XXXX XXXX ). Having withdrawn all my money from my Citi account, I logged into my Citibank.com acct to send a message requesting to close my acct. I used the internal Citi messaging system. I received a message in return explaining what I needed to do in order for my acct to close : to reply to that message with a couple additional details. I was told, having done that, my acct would be closed. I did exactly what they told me to. XX/XX/XXXX I received a fraud alert from Citi. At this point I was well under the impression my acct did n't exist. The alert let me know that Citi did not close my acct as requested and now it was being subjected to fraud attempts. I logged into my online acct. I found my acct was fully active and was being charged fees. The Fed promotion had expired and since my acct had n't been closed ( despite what I was told ) my balance of {$0.00} was being assessed min. balance fees. Along with that the Checking Plus over draft protection was kicking in to cover those fees -- those fees on an acct I was under the impression was closed. I noticed then that there was another message in my Citi message center. In short it said : whoops, we made a mistake, we actually need you to send this other response in order to close your acct. I received no phone call or e-mail. The ONLY effort they made to tell me they gave me incorrect information on how to close my acct was to send a message to the message center of the act I had been told was closed.
I call Citi. I explained the scenario to a customer service rep ( CSR ) who forwarded me on to his supervisor. I spoke with the supervisor for a substantial amount of time. He assured me he would take care of this mishap personally and immediately. I was told the account would be put back in order and closed immediately. XX/XX/XXXX I received a letter from XXXX XXXX Director Citibank N.A., asking me to pay the fees due on my acct -- the acct I had now closed TWICE. I call Citi on XX/XX/XXXX. I speak to a collections rep named XXXX who forwarded me to a CSR named XXXX. XXXX explained to me the steps needed in order to close the acct:1 ) Citi would waive the fees assessed on my acct2 ) Citi would refund the those fees back to the checking acct3 ) Citi would transfer the new balance of the checking acct into the checking plus acct, in order to get it back to its original {$100.00} and Citi would close the accts.
However, XXXX only had permission to correct {$70.00}. She said her supervisor could take care of the rest. At this point XXXX goes back and forth a while talking to her supervisor while I stay on hold. She says that they were able to waive the fees and refund the checking acct the full amount that would be necessary to bring the checking plus balance up to {$100.00}. However, the checking acct and the checking plus acct were no longer connected to each other and the funds could n't be transferred. The XXXX accts were disconnected when the debit card was reported stolen sometime after I thought the account was closed. XXXX says I can take care of this today if I go to a branch. There are no Citi branches within XXXX miles of me. XXXX transfers me to her supervisor ( XXXX, pronounced XXXX, employee ID XXXX ). XXXX laughs at me several times, refuses to transfer me to her supervisor, and finally promises to fix everything and call me XX/XX/XXXX She would not give me a way to contact her. She never called. I sent a letter to Citi. No response. And now Citi 's collections office is calling again ...
|
| 04/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
I am writing to you in hopes that you all take drastic action against Citi Mortgage in regards to the continued illegal Mortgage Activities. I have uncovered the continued massive fraud utilizing Mortgage Assignments. They may have been released from the XX/XX/XXXX Consent order but the Fraud continues.
Attached are my findings : Citi mortgage Notaries are illegally notarizing Mortgage Assignments. Not only are they fraudulently and illegally utilizing their own signature and state notary seal, but they are forging and illegally signing Assignments that should be signed by representatives ( Vice Presidents ). Attached is a small sampling of documents that were created by XXXX ( Florida ), which is their fraudulent document mill. You can clearly see on all of the documents that they were manipulated in some form or fashion. Although these assignment documents are supposed to be different and stand alone, they are not. In one section of the document from the Vice President 's signature down to the Notaries signature and seal are all the same, on all of the documents. We can rule out the use of a stamp, because there would be minor differences on the documents, which means that the persons signature, the Notary, and the seal were all manufactured or duplicated in some form or fashion. They may try to take the stance that they are electronically signing the documents, but how do you electronically sign XXXX signatures at the same time, again if you view the signatures, and the stamp you will see that these signatures are exactly the same. If you know anything about electronic signatures, you also know that there is a footprint or validation that goes along with that signature. There is none on these documents. Also if they claim that they are utilizing electronic signatures it is highly doubtful, especially in this case. The person signing the document would have to sign into a computer, sign the document electronically and then forward the document to the notary. The notary would then have to electronically sign the document, which defeats the purpose of notarizing and validating the signature on the document. We all know this is impossible, especially since they have to do this thousands of times per day.
There must be hundreds of thousands of these fraudulent documents. I only pulled examples from a few counties in the state of Maryland. I can just imagine what the actual amount is throughout the United States. Also keep in mind that the majority of these documents were created in XX/XX/XXXX, so although you were cleared/released from the consent order, the fraud and deception continues to thrive. I need not go into all of the ramifications that will come out of this, but it is enormous.
Also attached you will also find a small sampling of more fraudulently and illegally notarized Citi Mortgage Assignments. As you can see, there are individuals that prepared the document. You will also see that the same person that created the document is the same person that Notarized it. There is no way around this. Its right there in black and white and its wrong. Again, my guess is that there are hundreds of thousands of these documents out there. The Notary office guided me to a document on their site which clearly states, " A Florida Notary Public can not notarize a document if the notary public has a financial interest in or is a party to the underlying document. No way around the fact that the document states who prepared the document and who notarized it. No way around the fact that the person is a party to the underlying document.
Note : Electronic Signatures are authorized in FL, but there are specific requirements that need to be met and I can guarantee that they are not adhering to the requirements.
XXXX Notary 's Electronic Signature.
( 1 ) In performing an electronic notarial act, a notary shall execute an electronic signature in a mann
|
| 12/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
I applied at Citibank to refinance a mortgage held by XXXX XXXX, on a condo unit we used to live in, but which is now an investment property. I 've banked with Citibank for 18 years ( now CitiGold ) and the broker said they hold XXXX other mortgages in the building, so he believed that there should be no issue as far as the building goes. I have outstanding credit and sufficient collateral, and the LTV is 42 %, so it 's a great credit risk. I was rate-locked at 3.875 ( current loan is at 4.75 ), with a lock expiration of XXXX/XXXX/16.
I was told by my loan coordinator on XXXX XXXX, after providing the last requested document ( an audited budget for the building ), that she forwarded that document to the condo review team, and they 'd be able to review it " pretty fast ''. I followed up on XXXX XXXX and again on XXXX XXXX without receiving any response. With the lock expiration getting closer and rates going up, I began to wonder if I was going to have to pay to extend the lock, and I was also getting frustrated by the lack of response from both the broker and the coordinator. Since I work in the ecommerce industry, the weeks leading into XXXX are my busiest of the year, thus I had limited time to XXXX Citibank about my loan. But I was able to get a third email out on XXXX and, after having to add a number of other people to the discussion due to numerous out of office notifications, I finally received word back that the loan had been declined on XXXX, due to insufficient building reserves.
This was obviously frustrating since Citi holds other loans in the building, and in the budget I provided, revenue was in excess of expenses by over 20 % of the total building revenue. After pressing for further explanation a week later, I learned that the guideline is 10 %, which again shocked me that Citi 's condo review team would simply decline the loan due to insufficient reserves, with such a large % of revenue over expenses. It 's still unclear to me why the condo review team did n't ask the coordinator for further clarification about the potential use of the excess revenue for reserves replenishment purposes, and instead simply declined the loan, especially when the building was fine for their other loans. I believe this was a failure on Citi 's part to ask for clarification, instead of taking unilateral action to deny the building.
I finally found out that the reason was because there was n't a line item in the budget explicitly specifying the reserves contribution amount. I was able to obtain an updated budget from the building 's auditor and provide it to Citi the day my rate lock was due to expire, however it turned out that underwriting had already closed the file after the condo review team rejected the building, so I had no opportunity to even pay to extend the lock and still close at the locked rate. The representative I 've been speaking with said that they can resubmit my application and waive fees, but that the loan would be at current rates, which are so much higher now that it would be uneconomical for me to pursue the refinance. I stood to save close to {$500.00} per month, and am also out the up-front out-of-pocket application and appraisal costs, with nothing to show for it, all simply because Citi did n't bother to confirm how the excess revenue was being used toward the building reserves. As extensive of a document review process as they have ( I provided about 2 dozen documents ), I 'm astonished that they did n't perform proper due diligence in this aspect of the building 's budget. I 'm also shocked that there 's no grace period during which I can appeal the condo review team 's decision, before underwriting simply closes the file, thereby denying any opportunity for corrective action when misunderstandings like this happen. I do n't exactly know what I expect to happen here, but am looking forward to the bank 's response.
|
| 10/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX my card was compromised and someone charged {$6400.00} to my card.
On XX/XX/XXXX, citibank did the right thing and completely credited my account.
On XX/XX/XXXX, citibank ( or maybe the merchant ) did {$2100.00} of chargebacks back onto my card.
On XX/XX/XXXX, citibank did the right thing and completely credited my account, although this time they actually credited {$5.00} too much.
Here is where the unresolved dispute begins : XX/XX/XXXX, citibank ( or maybe the merchant ) did {$2500.00} of chargebacks back onto my card. This was made of up 4 charges : {$1000.00}, {$930.00}, {$620.00}, {$23.00} XX/XX/XXXX, citibank ( or maybe the merchant ) did ANOTHER {$1000.00} chargeback onto my card.
XX/XX/XXXX, citibank credited me for 2 of the chargebacks from XX/XX/XXXX : {$1000.00} and {$930.00} XX/XX/XXXX, 3 random credits were applied to my account, ( I was told this was done by the merchant ) : {$5.00}, {$20.00}, {$20.00} XX/XX/XXXX, citibank credited me for the last XXXX chargebacks from XX/XX/XXXX : {$620.00}, {$23.00} They still owe me a credit for the {$1000.00} chargeback that was charged to my balance on XX/XX/XXXX. When you net this against the 4 random credits they have given me that have no offsetting charge ( totaling {$50.00} ) and combine that with 4 months of interest charges charged to me for short paying these fraudulent charges, it equals to my current balance which is {$1300.00}, none of which I actually owe to citibank.
I have attached a spreadsheet that I've made which shows all of this charted out over time. Specifically, please take a look at the tab called " charges vs credits '' and also the tab called " sequential activity '' shows all of the charges in XXXX place with a running total on column XXXX I have also attached all of my credit card statements beginning with my XXXX statement when the initial problem started, all the was through my latest XXXX statement.
On my personal spreadsheet that I have attached below, If you look at the tab called " communication '', it details what I've been through with trying to work this out with citibank. Basically, it is the following cycle : - I call and explain the problem. The rep looks at my account and says that I've been given all the credits that I am due. I ask them to transfer me to their supervisor.
- Supervisor comes on and either sees the problem and agrees to get this fixed, or in the last case, tries to tell me that the charges on my XXXX and XXXX statement were informational and did not actually go into my balance. A quick and simple mathematical calculation proves that to be untrue, in any case, they then transfer me back to customer service so they can actually credit the account.
- Customer Service comes on and after explaining the problem again, they see the mistake but then they tell me that they don't have the authorization to make the credit, they will show this to their supervisor and the call ends.
- Supervisor comes and takes a quick preliminary look at the account, decides that I've been credited everything that I am due, and closes the case.
I have called and reopened the case many, many times. I am lost as to what to do. The last person I spoke with told me that they see the problem, and that I will be getting a letter showing that I have a {$1000.00} credit coming. That was 3 days ago and I haven't heard anything nor has my account been credited.
My current balance due is made up of the following XXXX charges : {$1000.00} charged XX/XX/XXXX < $ XXXX credited XX/XX/XXXX < $ XXXX credited XX/XX/XXXX < $ XXXX credited XX/XX/XXXX < $ XXXX credited XX/XX/XXXX {$110.00} XX/XX/XXXX statement interest charge {$140.00} XX/XX/XXXX statement interest charge {$94.00} XX/XX/XXXX statement interest charge {$31.00} XX/XX/XXXX statement interest charge TOTAL : {$1300.00} I have emailed this breakdown to citibank on multiple occasions.
|
| 12/14/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
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Web |
|
|
On XX/XX/2022 I was a victim of fraud and identity theft. Someone by the name of XXXX XXXX hacked into my XXXX XXXX and Citibank checking accounts and illegally transferred money via XXXX, to her bank account with XXXX Bank. XXXX XXXX is not someone I know personally, but apparently, she set up a XXXX customer account with her bank ( XXXX Bank ) using my email address ( XXXX ) and sent {$1800.00} from my Citibank Checking account to her XXXX Bank. I do not know, nor have I ever sent money to XXXX XXXX. I was able to successfully dispute the fraudulent transactions with XXXX XXXX, but Citibank keeps denying my claim and states " ... {$1800.00} were sent in accordance with your instructions ''. I have been fighting this transaction since it happened. I did not authorize XXXX XXXX to access my account, I did not authorize her to use my email address to set up a XXXX account with XXXX Bank, I am not a XXXX Bank customer and I did not send this money to this person at all. I have disputed this transaction twice with Citibank. The most recent dispute ( Claim # XXXX ) was denied and I was advised no fraud took place. I've sent in a copy of a police report showing someone accessed my account, a copy of my fraud report with the credit bureaus, proof from XXXX Bank that XXXX XXXX ( their customer ) set up a XXXX account using my personal email address, proof that my passwords were comprised from a report, and the letter Citibank sent its consumers showing they are aware of XXXX scams that are taking place. Citibank is refusing to reimburse me for this fraudulent claim and is violating my rights as a consumer. Per XXXX 's legal website " XXXX transactions are covered by the EFTA and Regulation E ''. This transaction falls under EFTA and Regulation E and Citibank is violating my rights as a consumer by not reimbursing me for an unauthorized EFT. I followed the XXXX-day rule and reported the fraud the same day this took place, on XX/XX/2022. I called Citibank on XX/XX/2022, after my claim with Citibank was denied again, and spoke to a Supervisor named XXXX in Client Relations ( Claim ID XXXX ) and was advised they aren't required to reimburse for fraudulent transactions that were conducted using XXXX. According to the EFTA and Regulation E that is not legally true. The Supervisor also suggested I ask the person that scammed me, XXXX XXXX, to reimburse me for the funds. How degrading and unlikely. I am the victim, but should ask the person that conducted the fraud to reimburse me? How, when they used my email address to set up a fake account? As of today, Citibank has closed my account due to it being overdrawn. Citibank initially provided me with a credit for the {$1800.00} and then reversed the credit after they denied my claim, which put my account in the negative, and now they have closed the account. According to the letter they sent to me as well, they will be sending this to a collection agency - even though the reason my account is overdrawn was due to negligence on their part and violating my consumer rights.
I filed a complaint with CFPB, and Citibank responded in XX/XX/2022 and their last message was that they will no longer be responding to my request. XXXX Bank setn me a letter advising they are willing to reimburse, but now Citibank is not responding to any emails as of XX/XX/2022. I have received a letter from XXXX Bank advising they are willing to reimburse if they receive a letter of indemnification from citibank. XXXX Bank is aware I do not have an account with them, and did not create any accounts with them. Citibank needs to provide me with a letter of indemnification so XXXX Bank can reimburse the funds.
As stated previously I did not authorize the transaction and do not know the person. Citibank has issued statements and newsletters to its clients about the XXXX scam circulating, so they are aware and refusing to reimburse me.
|
| 05/11/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
CitiMortgage - in below-the-belt methodology - declined our refinance 13 - THIRTEEN - weeks after we- existing CitiMortgage customers with an impeccable payment history - had initiated said refinance. Citi 's p athetically egregious - not to mention unprincipled - " explanation '' for their delay in informing us that they had no intention of proceeding with said refinance was due to the fact that a " PACE A ssessment '' is present on our property. CitiMortgage management going so far as to falsely claim the PACE Assessment was not " clearly present '' when we initiated the refinance process - This " explanation '' adding insult to an already insubordinate experience not to mention, a blatant lie on Citi 's part! CitiMortgage has continually and repeatedly articulated that they can not proceed with our refinance because : 1 ) " we must follow the lending guidelines '' and 2 ) That Citi must also follow " our own credit policy '' - Neither the " guidelines '' n or Citi 's " o wn credit policy '' have ever been supplied to the consumer as such should be, in a conspicuous manner and in writing! Nothing! 3 ) Citi ha s further repeatedly articulated that their " lending guidelines enforced by our investors '' prohibits Citi from refinancing our loan with them. Obviously, Citi ' s " lending guidelines '' and or " credit policy '' fail and or forget to consider the fact that Citi was a beneficiary of a Troubled Asset Relief Program ( TARP ) and received XXXX XXXX by XXXX of XXXX alone! With a market cap of XXXX XXXX XXXX in XXXX of XXXX , the U.S. taxpayer effectively owned this lemonade-stand company lock, stock and barrel! Citi 's economic illiterates have the gall to tighten their lending criteria to customers with existing and outstanding payment history?! Hear me now, CitiMortgage ; we - my wife and I - ARE your shareholders! Additionally, the data reflecting the increase to our property tax bill - resulting from the PACE Assessment - was confirmed by a Citi Tax Department manager as taken in by CitMortgage 's Tax Department several weeks before we initiated the refinancing effort! This increase to the property tax bill and associated data was sent directly - via electronic transmission - to CitiMortgage 's Tax Department by the XXXX XXXX County Assessors office ; the county in which the refinance was being sought! Any clerk, associate, loan officer, assistant loan officer, or escrow officer worth their salary and capable of conducting the most rudimentary of Preliminary Title Reviews would have easily noted the presence of the PACE Assessment two mon ths earlier! For this to have taken thirteen weeks, wrought stress related and fiscal damage upon us through XXXX , XXXX and the XXXX XXXX , not to mention crushing plans for paying off other, revolving debt. All the while, we were being assured by CitiMortgage that we were " good to go '' " you did a great job getting th paperwork to us in a timely matter '' and " yes, we did receive the subordination documents '' from the PACE creditor '' - What a sham! Between XXXX XXXX , XXXX and XXXX XXXX , XXXX we sent ove r 300 e mails, spent countless hours on the phone with these Citi imbeciles, and this is how they repay us? Repeating, the PACE Assessment and related property tax increase was/were not only clearly present on title, but was/were reflected - conspicuously and in writing - as an increase on our property tax bill as reflected on the amended Escrow Account Disclosure Statement which CITIMORTGAGE PROVIDED US weeks before our loan was declined! Citi KNEW of the property tax bill increase, or should have! A sorry spectacle! A poor example of how American business has declined, CitiMortgage i s the poster child for egregious, underhanded, and selfishly poor business practices. I would n't recommend them to a despot!
|
| 05/18/2016 |
Yes |
|
|
|
Web |
Older American |
|
My wife and I have had a credit card relationship with Citi/XXXX Card for many years.e We have never defaulted on any due payment, although we were a few days late once two or three years ago while we were traveling.
During this calendar year, we did not receive any CitiCard monthly statment for any billing period ending in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. After making a diligent search for a statement, I called CitiCard customer service and spoke with an agent on XXXX XXXX, 2016. I told the agent that we had not received a statement during 2016 and asked her to check our account. The agent checked our account and reported to me there was a charge of {$28.00} that was overdue as of XXXX XXXX, plus a late fee of {$25.00}. The agent then told me that if I would authorize her to debit my checking account the amount of {$28.00}, she would " reverse '' the late fee of {$25.00}. I then authorized her to charge my checking account with XXXX XXXX XXXX the amount of {$28.00}. The agent then put through the charge of that amount on my checking account. She then told me : " She will send me a corrected statement showing that they credieted my account with the payment of {$28.00} and that the late fee of {$25.00} would show as 'reversed'. " I asked the agent for her name and a confirmation number covering the transaction. The agent gave me her name and XXXX XXXX. XXXX. I relied on what that agent confirmed to me.
Had that agent told me that CitiCard would not reverse the late fee of {$25.00}, I would have authorized her to charge my account the total of {$53.00}, the amount overdue plus the late fee assessed.
Then, last Friday, XXXX XXXX, I received the latest statement form CitiCard in my mail for the period of XX/XX/2016-XX/XX/2016. On reviewing this statrment, I found that CitiCard had credited my account with the payment of {$28.00} on XX/XX/XXXX ( which did agree with the transaction confirmed by the agent duriing our telephone conference of XXXX XXXX, 2016.
However, this current statement did not show that the late fee of {$25.00} had been reversed.
Adding to my frustration, this latest statement showed another late fee based on the fact that the first late charge of {$25.00} had not been reversed and was included in the ACCOUNT SUMMARY-Previous balance of {$53.00}, before the credit of the payment of XX/XX/XXXX in the amount of {$28.00}.
I then called XXXX Customer Service. I spoke with Agent No. XXXX and reviewed the facts with him, including the reading of my notes of my earlier call of XXXX XXXX, 2016. Agent no. XXXX told me that I would have to pay both late fees and also the interest charge of {$0.00} which was assessed on the latest statement. I asked to speak with his supervisor. Another agent came on the line and after going over the facts with her, she also told me that I would have to pay both late charges as well as the interest charge. ( I asked both Agent XXXX and XXXX for their names, and I have made note of their names. I then asked Agent No. XXXX to speak with her the manager. I was told that I would receive a call from the manager in the next 12-24 hours. I did receive a call an hour or so afterwards from a woman who said she was a manager. She did not give me her name or any ID. She told me that she had reviewed my account and that I would have to pay the entire balance including both late fees and the interest charge. I told her that that was " unfair and unreasonable ''. I also told her that my wife and I have always made extra efforts to pay our bills on time or ahead of time, and that I was very concerned that by CitiCard 's continued showing the overdue balance for the XXXX late charges, that it might affect our very high credit scores with credit reporting bureaus. This agent told me that it would not. ( given, the facts stated above, I have good reas on to question this agent 's response. ) XXXX XXXX XXXX
|
| 08/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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To Sir/Madam I am writing to file a formal complaint against Best Buy, specifically the XXXX Store XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO. My complaint pertains to what I believe are misleading and deceptive marketing practices surrounding a recent promotion involving the Best Buy credit card and cashback rewards.
As a recent transplant to XXXX XXXX from California, my husband and I visited the aforementioned Best Buy store to make substantial purchases, exceeding {$4000.00} in value. During our in-store experience, a store associate informed us that by opening a Best Buy credit card account, we would be entitled to a 10 % cashback reward, called " rewards certificate, '' intended for new users. This reward, we were explicitly told, could be directly applied to reduce the balance on the credit card account.
Given that I already hold credit cards with established cash back programs, including my XXXX XXXX, I was specifically interested in the Best Buy credit card for its promised 10 % cashback benefit. I went to great lengths to confirm with the associate that the cashback reward would indeed serve to reduce the credit card balance and not merely be applicable to future purchases. On each occasion, the associate assured me that the reward would indeed offset the credit card balance.
In light of these assurances, I proceeded to open a Best Buy credit card account with an approved credit limit of {$4000.00}. Before finalizing my in-store purchases using the newly acquired credit card, I reiterated my understanding of the rewards with the associate. Once more, I was assured that the 10 % reward would effectively lower my outstanding balance by 10 %, resulting in a payment of {$3600.00}.
However, upon receiving my Best Buy credit card statement, I discovered on the credit card website that I had been credited only {$360.00} in the form of " rewards certificates '' and an additional XXXX points. This sum fell {$40.00} short of the initially promised reward amount. To compound the issue, my attempts to utilize these rewards to make a credit card payment were met with technical difficulties.
Subsequent endeavors to address these concerns with the Best Buy customer service department proved exasperating. My initial phone call was prematurely disconnected ( Attachment No. 1 ), and an online chat with an agent was terminated abruptly upon my mention of escalating the matter to the Consumer Financial Protection Bureau ( Attachment No. 2 ).
As a licensed attorney in California and a conscientious consumer, I am deeply troubled by such dubious marketing practices, which appear to be perpetuated by several companies in the industry. It is disheartening to witness that these practices persist despite my diligent efforts to seek clarity and confirmation prior to committing to the credit card account.
While I regret that I can not recall the name of the store associate who provided me with the information, I can attest to her indication that she was pursuing her PhD at a XXXX XXXX university. I am prepared to engage with her in person regarding our conversation if it XXXX in the investigation of my claim.
In light of the aforementioned circumstances, I am submitting a formal request for Best Buy to rectify this situation by disbursing the rewards as initially promised, in the form of a {$400.00} cashback. This sum should be applied directly to my existing credit card statement balance of {$4000.00}. I explicitly decline any alternative rewards, such as " rewards certificates, '' which are exclusively valid for future purchases.
I appreciate your immediate attention to this matter and your commitment to addressing these concerns in a timely manner. For any further communication, please contact me at XXXX or XXXX.
Thank you for your assistance and understanding as we endeavor to address and rectify this issue.
Sincerely, XXXX XXXX
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| 03/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I have been trying to get an audit of my account from the mortagge company for over 2 years, and applied for a modifcation with no results. I have submitted over XXXX applications within the past year, and each tie they would reassign the account after 90 days by allowingthe information to expire. There was an agreement reached by the federal courts where Citi would correct the account, and offer a structured payment plan that woud be affordable. During this time XX/XX/XXXX and XX/XX/XXXX, they assigned a rep, then it went to another. Citi agreed to a principal reduction, and sent information that exceeded my budget. however, to show good faith I paid XXXX a month to build a trial plan, where the loan could become stable and after i 'd lost my job in XX/XX/XXXX, and filed bankruptcy to see what could be done. during XX/XX/XXXX, i was just XXXX behind, as the employment ended in XX/XX/XXXX, it too Citi 3 months to offer me anything, By this time, the account had grew that it was impossible to do anything.
Currently, I was paying Citi constantly on a monthly basis of {$1700.00} from XX/XX/XXXX until XX/XX/XXXX. I stop paying as I started receiving foreclosure notices, and realized that my payments were not being applied to my account. They had me blocked from their internet site where payments could not be applied, ( i never wrote a bad check or anything with them ) they stated its a process when they are working on accounts to limit the use where updates can be made. Therefore, i sent payments through my online bill pay, where evidence could be tracked.
So in XXXX, Citi asked for me to send another loss mitigation application, and i did just this with the new rep, and they came XX/XX/XXXX or XX/XX/XXXX with a payment XXXX more than my original payment. I asked why and what were they doing, they said it was n't an explanation for it and demanded that i either accpet what they had put in the document or reject it. I then, edited the trial plan with payments in which I knew i could afford, and asked them to revised the documents ; they refused and sent my account to XXXX a foreclosure company to cause embarrassment abd economic harm when it is clear that information in which consumers are entitled too should be shared.
at the same time, they have added {$60000.00} to my mortgage and I am not sure where this is coming from, also Citi is aware that i am a victim of preditory lending. when I purchased the home it was for sell of XXXX, and the lender sent XXXX, where the broker and agent took at least XXXX off the transaction and registered my home as sbeing purchased at XXXX. When the economy changed in XXXX, i lost my job, and paid until all of my savings were gone, then asked for the interest rate to be changed which was done in XX/XX/XXXX every since then, its been a problem, and I would get mail from different entites of Citi XXXX reflected different things. The more i tried to explain the worst it got, then finally the Ceo XXXX XXXX answered my email and we had account in good status for about 9 months. when he left, the same old systems that sent bad information before started happening again.
i understand there are XXXX federal orders that protect homeowners like myself, and each time i have requested a face to face with Citi they declined and said we have assigned some XXXX who you can work with at your convienence which is over the phone and by email.
This is where shuffle begans all ober, and again, and again. I hae explained the situation more than once with the Mortgage lender, but it appears they have a duplication in their system where everything is not getting communicated properly, and I keep running into these unwanted problems with them. they lead me to belive they had underwriters working on my loans and processed information correctly and now has sent my acount to a firm for foreclosure. I am not understanidng this.
|
| 06/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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History as of XX/XX/XXXX Closed account with Citibank Mastercard XX/XX/XXXX ; due to COVID, I was not traveling anymore and did not need this credit card.
Last authorized use of credit card was XX/XX/XXXX at the XXXX XXXX for {$27.00}.
I made my last payment to clear my balance of {$27.00} on XX/XX/XXXX.
Citibank allowed an unauthorized charge in XXXX, XXXX from XXXX XXXX ; I have told Citibank that I did not authorize this and I did not purchase anything from XXXX in XX/XX/XXXX.
Received call from collection agent in XX/XX/XXXX ; up to that point, I did not know there was a balance on the account because I had closed it.
Called Citibank XX/XX/XXXX and talked with multiple people who admitted that my account made no sense. Citibank said they would order an audit to investigate what happened and I should hear from them in 2-3 weeks.
I never received contact from Citibank except for calls/emails to pay the balance.
I called back XX/XX/XXXX and spoke with XXXX, XXXX, XXXX and finally XXXX, an Account Manager. XXXX looked at the account and said your account does not sense. This is not your fault, I dont know why the audit has not been completed. She said she would look into why the audit was taking so long and call me. I never received a call back.
The ball is in Citibanks court to clear up this unauthorized charge. They have verbally admitted this to me multiple times. However, my credit is being impacted and that is not ok. I have done nothing wrong and have no confidence that Citibank will take any action to resolve this.
I plan to file a complaint with the Consumer Financial Protection Bureau.
Who is going to fix my credit rating given this is clearly not my fault and I have gone to great lengths to try and get resolution with Citibank????
XX/XX/XXXX : XXXX XXXX Called Citibank Disputes, XXXX Got to XXXX, # XXXX, she informed me that no one at Citibank can see my account ( no log, no audit, nothing ) due to it being sent to Recovery ; she said I had to call Recovery, they were the only people that could see my account ( XXXX, XXXX XXXX XXXX XXXX XXXX M-F ) XX/XX/XXXX : XXXXXXXX XXXX called Citibank Recovery, XXXX got to employee # XXXX, he told me because it was a NC account, he was not authorized to work on it and had to transfer me was transferred, XXXX, # XXXX call XXXX, ask for Dispute on charge acct in XXXX when account was closed called Disputes, instead got XXXX, # XXXX, Client Focused Team ( XX/XX/XXXX, {$8800.00} ) XXXX gave me wrong number, XXXX now going to transfer me to Dispute # XXXX XXXX, # XXXX, gave her date and amount of charge, needs to transfer again XXXX, identifier XXXX ; after holding, she came back and said she had to speak to her investigation department about the audit that was performed ; she read audit results to me, which included a letter and reference to statements, which I never received.
XXXX transferred me to Dispute department, XXXX # BDXXXX ; asked if I received a letter dated XX/XX/XXXX via email, I told him no. He said he is going to email it to me. If I dont get email in 24 hours, call XXXX ( Billing Disputes ).
Review email, contact XXXX XXXX investigator for next steps or questions XX/XX/XXXX : XXXXXXXX XXXX received secure email, downloaded. Letter referenced a letter on XX/XX/XXXX that I did not receive and also statement copies which I did not receive. Per the instructions I was given on XX/XX/XXXX, I called XXXX XXXX at XXXX ; there was a voicemail that said that phone number was not being checked and people should call Billing Disputes at XXXX Called Billing Disputes, got XXXX, then call dropped off Called BD again, got transferred to wrong place and call ended Called BD again, got transferred twice, got to XXXX, # XXXX, she transferred me XXXX, # XXXX, transferred me XXXX, Customer Service, call dropped Sent email to Billing Disputes requesting information ( email attached )
|
| 07/29/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Last year I was disputing charges on my Best Buy credit card that I felt I was wrongfully charged for. Best Buy opened up a case for the dispute but never updated me. I had to call in to get answers, which never worked because every time I called in, they said it was still being investigated. That was 7 months ago. 2 weeks ago I pulled up my credit report to see what was on it and I found that Best Buy put my account into collection even though it was still being investigated ( 7 month long investigation, which should have only took less than a month ). The collection agency where our debt is now at is Citi Bank North America. I contacted the collection agency and started asking them questions. They informed me that if I wanted to settle on the debt, I would first have to remove the dispute with Best Buy so they can move forward with a settlement. When I informed the rep, if that was the only way to settle on the debt, then please remove the dispute to see what we can settle on. The rep then removed the dispute and then informed me I would now have to pay the full asking price. I asked to speak with a supervisor because I felt like I was manipulated into removing the dispute so they can charge me full price. The rep informed me she was the only person there and that there was nobody else we could talk to. I end up disconnecting the call because the rep was so rude and manipulative. I called the next day to see if I could speak with the supervisor and they denied me again and informed me I can not speak to a supervisor. That is when I disconnected the call and then called my wife to be a witness to the conversation. We spoke with another rep about settling the 25 % we were n't disputing and that we did not agree to pay the 75 % we were disputing with Best Buy. The rep came up with a number that she was willing to settle the debt which was reasonable for us but she informed us that we had to agree to the terms before she sent out a letter to us. We did not feel comfortable agreeing to terms that we did n't have in writing, so we waited to speak with our bankruptcy attorney and he informed us to ask to speak with a supervisor because we should not have to agree to terms we do n't have on paper. So we called back for the 4th time and asked to speak with a supervisor and another rep denied us ... again, so we informed them that we were recording the call. The rep said she does not consent to the recording and we informed her for our own rights we are recording because the way we continue being treated with this company. After countless attempts of requesting the letter be sent to us or to speak to a supervisor, and being denied each time, we finally end up accepting the terms just to get the letter sent out because we wanted to settle the debt as quickly as possible. The rep said now that we accepted the terms, we will now get a letter in the mail and the settlement is only good for 30 days and will expire on XXXX XXXX, 2016. We waited for the letter to arrive to our house for over a week, so we felt the need to call the company back to see what was going on. After calling them today, we just found out they still have n't sent us the letter, so we asked them to push the 30 days forward to the day they send the letter. They informed us they ca n't do so and that they will send it out to us today, XXXX XXXX, 2016. I feel like they are getting over on people and that no matter what, they feel like they have the upper hand to deny people their right to speak with the next level up. I want a supervisor to call us back because we have been proactive since the day we found out about the debt and yet they still treat us so poorly. This is not a way to treat people, especially when there was an active dispute on the charges for this debt with Best Buy. These employees that represent the company are very unprofessional and give the company a bad rep.
|
| 07/09/2015 |
Yes |
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Web |
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Citi 's Bill Pay and Autopay system have always been confusing and overlapping and there 's usually limited control over them. I have always had trouble with their payment system and have been over charged many times over the years. Some times I need to adjust or edit the payment, either adding to the payment or editing it to lower it depending on my financial situation. A few months ago I made a phone payment and it ended up making Automatic Phone payments each month and this could not be edit over the phone nor over my account online. I logged into my account online to see if I can activate the Autopay so I can have control over my payments and so the automatic phone payments can be canceled. During the same month I also wanted to mail in a one-time check as soon as possible to help pay some of my debt as I am struggling since my surgery and XXXX. Although I applied for the Autopay again, the automatic phone payment still did n't cancel, the Autopay was still going to go through because it was pending but i was able to cancel it through my account. My check went through and my automatic phone payment still went through and i was unable to stop it until the pending payment was posted. I also changed my monthly payment due date till the end of the month so I have more time to pay my credit card payments. All in all, I tried paying off my Citi credit cards as much as I can last month so I can lower my month minimum payment as much as I can. When I looked at my XXXX statement, my minimum payment due is {$60.00} more than last month 's although I payed more off and my credit line has increased. So I called them on XX/XX/XXXX at around XXXX to ask them what happened. The first lady asked me if I had 0 % APR before, or if my interest rate changed. Then she started explaining to me my interest rate and how it worked. I then asked her if I can speak with a supervisor because that was n't the problem. When the supervisor answered, she not only shut me up and told me " I 'm talking, I 'm talking, let me explain '' and not let the customer talk about what matters to them, it was very rude and unhelpful. She later realizes it 's because i changed my payment due date and because of having around XXXX days, i have XXXX days so the payment increased. I told her that is inconvenient and when you change your date customers should be informed. The whole goal of me paying much more than the minimum payment, which i risked since on doing to lower my month payment in hopes of finding a solution in the next few months, and pushing the payment due date so I can have more time to pay my credit cards. It is very discouraging when you are trying harder, and it things seem to hit back at you even harder. The supervisor 's excuse when i told her you should clearly inform customers that the minimum payment may increase when you change the payment due date was.. '' Well, you are given more time so you should be able to pay it.. '' I have been a member of Citi since XX/XX/XXXX and my interest rates for both of my credit cards have never decreased. They have only increased my interest rates as a consistently loyal and good standing customer. I was never delinquent, late, or over the credit line. The rare times I would make a mistake I would immediately call and they would help. I even called them ahead of time when I started having some hardships in XX/XX/XXXX that prevented me from working. I did n't want to destroy my credit and my account with them that I 've had for so long so I thought it would be a good idea to to be honest and give them a heads up in case I would n't be able to pay my bills in the coming months. They told me that they made a note on my account. Since then I have still been able to pay my minimum payments to this day. This is more advice to people than a complaint who are having a hard time to be wary, I 'm disappointed, and I give up on Citi.
|
| 10/07/2015 |
Yes |
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Web |
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To Whom it May Concern : On XXXX XXXX, 2015 my Macy 's American Express number was charged for purchases I did not make. My account was charged XXXX times by XXXX, numbers : XXXX,XXXX,XXXX,XXXX. My account was charged {$77.00} for each transaction for a total of {$300.00} in fraudulent charges.
I was contacted by Macy 's American Express after the charges were made and asked if I had made the purchases. After telling them I did not make the charges they opened a fraud investigation. On XXXX/XXXX/2015 my account was closed, I was issued a new card and a fraud investigation was opened.
After the fraud investigation was opened I was asked to provide forms stating that I did not make the fraudulent charges. Macy 's American Express first supplied me with a " Standard Statement of Fraud Claim '' which asked for a copy of my drivers license. I mailed the form and a copy of my driver 's license into the Fraud Investigation Department of Macy 's American Express on XXXX/XXXX/2015. After that, the fraud department sent me a letter dated XXXX/XXXX/2015 and I was asked to fill out a " Declaration of Unauthorized Use ''. I filled out that form and faxed it into Investigation Department of Macy 's American Express on XXXX/XXXX/2015.
On XX/XX/2015 I also received a letter from Macy 's American Express stating that the balance on my account exceeded it 's limit and I am now unable to use the card. The card is exceeding it 's limit because of the unauthorized charges and Macy 's American Express is refusing to take the charges off while the investigation is ongoing. I am also being charged interest on the purchases I did not make.
To make matters worse, even though I am making regularly scheduled payments on both my Macy 's Card and my Macy 's American Express they have not been credited properly and both of my accounts are delinquent. This is because they credited the accounts which were closed due to the fraud instead of crediting the new accounts they opened.
I have called Macy 's and Macy 's American Express several times to resolve these issues and each time I am given a different excuse as to why my accounts are not being updated and why they are not reversing the fraudulent charges on my Macy 's American Express. This issue has affected my FICO score, has made it impossible for me to get new car insurance due to my bad credit rating and is affecting my ability to apply for a new mortgage. This is very frustrating because I have never made a late payment on any of my credit cards or loans, I am XXXX, and I am recently divorced which means I am now trying to establish my own credit.
Below please find a chronological list of attempts on my part to resolve this issue with Macy 's and Macy 's American Express:XX/XX/2015 - Fraudulent charges made to my Macy 's AmericaXX/XX/2015 XXXX Fraud Case Opened, Old Account Closed, New Account EstablishedXX/XX/2015 - Received letter stating that my Macy 's American Express Account has exceeded it 's credit limit.
XXXX/XXXX/2015 - Sent in Standard Statement of Fraud to Macy 's American Express XXXX Department.
XXXX/XXXX/2015 - Letter sent out by Macy 's American Express requesting additional information.
XXXX/XXXX/2015 - Declaration of Unauthorized Use faxed into Macy 's American Express Fraud Department.
XXXX/XXXX/2015 - Called Fraud Department to check on Status of Investigation. I was first told by XXXX that my case was closed without resolution. Transferred to XXXX, Account Specialist who told me they were in the process of a software conversion and that he was going to request my fraud investigation be expedited.
XXXX/XXXX/2015 - Spoke with Customer Service because payments had not been credited to my accounts properly.
XXXX/XXXX/2015 - Spoke with XXXX again, issue with fraudulent charges still has not been resolved and charges are still appearing on my Macy 's American Express Account.
|
| 02/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
Older American, Servicemember |
|
Citibank told us yesterday that they will not reverse the late fee ( we were not even aware we were late or owed anything ) we just learned of two days ago on about XX/XX/XXXX, even after we explained we are victims of the biggest national disaster fire in the history of California, called the " Camp Fire ''. Our entire town burned down, our home caught fire, both of our vehicles ( car and motorcycle ) were completely burned up, our street still looks like a war zone with many homes burned completely down. This is unfair because we were blocked from even entering our town for weeks after the fire and there are still signs put up by FEMA and other authorities stating it is extremely dangerous to enter our town or try to go home. This is wrong of Citibank to do especially since they received about {$460.00} billion, almost 1/2 trillion dollars in government bailouts through TARP after the banking collapse in XXXX and later. Our banks were all closed for a long time, one never re-opened except for a temporary trailer with two people in it making it hard to do anything financially related. The late fee is about {$35.00} that is unfair, but worse is they have or will report us to the credit bureaus. We have worked very hard to keep our bills paid and current even after this deadly disaster that killed friends and neighbors. Our son barely escaped with his life rescued by a fire truck as he walked out through the inferno, my wife and I are still in some kind of shock, a FEMA tent and mobile office is still there in what little is left of our town at the church parking lot where we volunteer serving food and giving out clothes and water to thousands of victims that keep coming for help trying to recover as we are still doing. Citibank should be fined heavily for refusing to accommodate us and should reverse the late fee, they should not report us to the credit bureaus or anywhere and should ask the credit bureaus to clear any negative report they may have submitted, due to the mitigating exigent circumstances. We have high credit scores, or at least we did, before this massive national disaster fire took place and burned down our town and closed our banks. We have been on the road constantly since the fire and still are on the road. Please contact Citibank on our behalf and ask them to use the same standards in helping us now, and other customers of theirs, that they got when they went to the American taxpayers including us when they received {$460.00} billion in bailout funds that they were not even required or even asked to say how they used it. About two days ago, on about XX/XX/XXXX, immediately after learning we were late, we paid off the entire balance of our Citibank credit card account that was about {$400.00}. My wife handled that call with Citibank and they treated her horribly, demanding the late fee, refused to listen to our fair reasoning and details my wife explained she gave them about us being victims of the national disaster fire destruction. We are still so off balance from the massive death and destruction of the fires just as we were when it first happened and as the fires kept burning for several days. We did not even know charges were being applied to our Citibank credit card account but some automatic payments to various services such as XXXX and one or two or more others were going through that we had intended to cancel but got so distracted and displaced by the fires. We have been through so much on this, many people have, please help us and our neighbors that survived the fires and are still struggling in hopes of recovering, please hold Citibank to high standards because they received so much help from the American people and our government and use of our hard-earned tax dollars. Please contact Citibank on our behalf about this unfair late fee and any related credit reporting they did or plan to do against us.
|
| 07/15/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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Hi, My citibank " Thank you preferred credit card '' has been closed since XXXX 2016.
I do not know the reason ; therefore, I called the customer service and want to reopen my credit card and give me the reason why my credit card has been closed. The staff in customer service just keep saying we do not have enough information ; we can transfer to other department to help you. However, the other department said same thing " we do not have enough information " we will transfer to others department. One agent wants me to write a letter to XXXX XXXX XXXX XXXX, SD XXXX or XXXX XXXX XXXX XXXX XXXX, SD XXXX to explain the situation. I did write the letter and went to the post office to send this letter to this department. Nevertheless, the department response to me " we are unable to process your request for us to reopen account without speaking with you '' ( letter uploaded_1 ). I called customer service again, the agent told me you have to write the letter to same address shows above. I was so angry and said I did and they want me to talk customer service. The agent said : I will help you to reopen the account for you. One week later, I received the letter from Citibank, it says : " Unfortunately, we can not reopen your Citibank thank you preffered card account, because it was permanently closed '' ( Letter uploaded_2 ). I am so angry and call the customer service again. The agent wants to me to go to citibank branch. I went to the citibank branch in XXXX and the agent said, we can not help you, you have to call customer service. I use the agent 's phone to call Citibank customer service again ( I do not remember how many times I call the customer service and each time I need to explain 1 hr ). Same thing happened, I have been transfer at least XXXX~XXXX agents and all the answer is we do not have enough information. The agent in the citibank branch, she can not stand this situation ( because it 's been almost 2 hrs and no one can help me ). She picks up the phone and talk to the customer service and said we need to talk to your supervisor. Customer service just said this time we definitely will transfer to right department. However, that department still can not solve the problem and keep transferring and said our manager will call you tomorrow. I give up and just ask them if my account has been closed, how about my thank you points? They said we need to transfer to another department and they will answer you. The department said since your account has been closed, you can not use the thank you points. I talk to them you can check my payment in past two years, I paid my bill on time every month and Citibank closed my account for no reason and there is about XXXX thank you point in my account. Originally, I am going to change this points to update my flight tickets to XXXX business class from U.S to XXXX. The Citibank just say we can not help you. Your account has been closed. That is unacceptable, ridiculous and not making any sense. XXXX Day after, I still not received any call from Citibank and I call the customer service again and want to speak with their supervisor. The agent told me we do not have any record and you have to wait XXXX hrs and the XXXX will call you. I said, the agent told me the supervisor will call me today. He said : sorry, you have to Waite 24~48 hrs. I am going to crazy and he said you have to write the letter to same address above, and I told to agent, they already response to me and want me to speak with customer service. He said that is impossible. This time I write down his employee ID is XXXX and ask him again your supervisor will call me tomorrow right? He said yes He or She will call you because tomorrow is 48 hrs. Guess what? I still not received the call from Citibank. I already spent too many times in these, its waste my time, energy. Please help me to justify Citibank. Citibank is extremely hateful.
|
| 05/30/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Servicemember |
|
For months now, since XXXX, I have been attempting to resolve several issues with Macy 's regarding their Macy 's Credit Card.
These issues include everything from being sent underwear, which had been worn, and re-ticketed and re-sold as new, in these times of a Covid-19 pandemic, when extreme measures of health and cleanliness should be taken. Macy 's is selling used underwear to its customer 's as new. I have sent multiple emails asking they remedy this issue, via the issuance of a credit, or by replacing it with a new, unused item being, but the requests have gone ignored, as indicated for months now. Their boiler plate response to my email requests for resolution is that due to Covid, they can not assist their customers. And yet, they continue to sell merchandise. This, without ensuring they have sufficient staff to handle credit card disputes.
I have also requested price adjustments, on several occasions, as allowed per their own guidelines, that price adjustments will be made within ten ( 10 ) days of purchase. I have requested price adjustments on at least four ( 4 ) difference items, and all of my requests have been ignored, with, once again, the boiler plate response that Covid 19 has impeded their ability to resolve price adjustments. And yet, they keep selling merchandise ; sales do not seem to have been affected. Only price adjustments, credit card returns, adjustments and billing disputes. These issues can not be resolved. Yet, they keep selling merchandise. I have calculated that I am allowed at minimum {$50.00} to {$70.00} in price adjustment requests which have not occurred because Macy 's is impacted by Covid and can not resolve the price adjustments. And yet they continue to sell merchandise.
When I have referred the inquiry directly to Macy 's Credit Card Services ( because they bounce the customer between their Macy 's retail and Macy Credit Card, causing delays and confusion to their customers ), the Macy 's Credit Card Services, bounces me back to Macy 's retail and does not accept a dispute on the credit card, which to me, seems like theft, because they are pocketing the price adjustments versus, crediting the adjustment on our Macy 's Credit Card.
Additionally, in XXXX, I returned some items which were purchased and then returned upon receipt. It took Macy 's twenty-eight ( 28 ) days, or almost ONE full month to issue a credit on the returned items. More recently, I returned more items. Macy 's credited my account for only {$10.00} for one of the items that I purchased for {$49.00} plus tax. They have proof of the item purchased, and they have proof of the price I paid. And yet they have robbed me of {$30.00} plus tax on this one item alone. I advised them of this. They sent a boiler plate response stating they can not assist me due to Covid. And yet, they continue selling merchandise.
Once again, they are delaying the crediting of ALL the items I have returned, with proof that I have returned these items. They have acknowledged receipt of these items, yet they not credited the items received for almost two weeks. But they continue selling merchandise.
It seems that Macy 's has been affected by Covid, only when it comes to refunding purchases, crediting returned items, authorizing price adjustments or responding to any and all inquiries that pertain to them returning MONIES to their customers. But ironically, Covid did NOT affect their sale of merchandise, and the money keeps coming in. And Covid did NOT affect their profits. Convenient, isn't it?
I want my returned items credited, I want my price adjustment requests honored, I want the used/dirty and re-ticketed underwear which was sent to me, and sold as NEW to be credited, and a clean, unused and healthy item sent to me.
And I want Macy 's to stop disrespecting their customers and using Covid as the excuse to do so.
Thank you.
XXXX XXXX
|
| 08/24/2016 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
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I am presently fighting a foreclosure sale date set for XXXX/XXXX/XXXX to allow for a federally mandated 30-day appeal period from the MHA HAMP RMA denial notification, which is XXXX/XXXX/XXXX and would allow for a proper appeal. CitiMortgage is stating that I am not entitled to an appeal period, which is incorrect!
I am confident that CitiMortgage, at a minimum, has violated RESPA in an area in which the CFPB has enforcement authority ; this is my official complaint. I am writing this letter to address the dual tracking on my FHA mortgage loan as well as the failure to put my FHA mortgage loan through a fair and compliant MHA FHA HAMP waterfall review for all available options in addition to the proprietary options available to me as an FHA borrower. CitiMortgage manipulated the income that I submitted to perpetuate wrongful foreclosure, which violates RESPA under the new rules established by the CFPB as well as the FDCPA per my understanding.
Basically, CitiMortgage " grossed up '' my mother 's contribution income then denied me for mortgage assistance using the false income inputs ; Citi intentionally increased my income without authorization to do so or permission from anyone that could authorize such an action. I have provided proof of the income adjustment from what was submitted on my RMA and what CitiMortgage used to wrongfully deny me for mortgage assistance. If I do not qualify because I do not make enough money then that would be a reasonable outcome based on the inputs used but that is not the reason for the denial ; the reason for the denial was that they could not lower the payment by 10 %, which makes sense if the income is intentionally inflated to disqualify a borrower for assistance.
At a minimum, I am entitled to a fair review, as adopted by RESPA as a result of the XXXX strengthening of consumer rights by the CFPB : " Fair Review Process : The servicer must consider all foreclosure alternatives available from the mortgage owners or investors - those with decision-making power over the loan - to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer. '' Also, I wanted to shed light on another matter that may have influenced the continued wrongdoing on my mortgage loan. The attached correspondence recently received from the State of Washington Department of Financial Institutions clearly states that, " Based on the available evidence, we determined that CitiMortgage violated the law by : Not timely and completely responding to our requests for information.
Not providing you and the mediator all required documents during mediation. '' In light of this discovery, I asked that CitiMortgage please address the State of Washington Department of Financial Institutions conclusions. I understand that I have a constitutional right to take legal action against CitiMortgage but at this time, that is not the path that I am seeking. I am requesting consideration for the past unlawful actions of CitiMortgage that forced me into a forbearance that was not requested or authorized, for the past unlawful actions of CitiMortgage that forced me into a loan modification just days after my father had passed away when I was not of sound mind or body, and for the present violations outlined in the attached correspondence from the State of Washington Department of Financial Institutions. I am simply asking CitiMortgage for a fair and reasonable pathway to retain my beloved family home.
I thank you in advance for your advocacy and intervention. Please help me to postpone the foreclosure sale scheduled for XXXX/XXXX/XXXX since I was not fairly run for mortgage assistance and I am now being refused the right to appeal the decision reached by CitiMortgage.
Thank you!
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| 06/14/2015 |
Yes |
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Web |
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Dear CFPB, This complaint is in response to Case # XXXX ( original case # XXXX ). I responded to Macy 's submission via telephone on XXXX XXXX, XXXX with a CFPB representative. The CFPB representative stated that she would enter my response verbatim into your database. I happened to log-on to the system this evening and noticed that my response was not there. Hence, I am responding now as follows : Macy 's electronic response and their written correspondence dated XXXX XXXX, XXXX fails to answer why Macy 's erroneously reported false information pertaining to my credit report when I applied to the Macy 's credit card. As verified by XXXX, the credit bureau is not responsible for what is reported on my credit report. They only provide the information that is present on the report. As verified by my credit reports that I faxed to CFBP, my credit report reported all XXXX of my accounts as " PAID AS AGREED '' over the past 8 years. Hence, Macy 's can not blame XXXX for the negative rating that they chose to use to deny a Macy 's XXXX application that I did apply for. This statement is also included in the correspondence that Macy 's sent that clearly states that the credit bureau is not responsible for their adverse decisions. I repeat, I did not apply for a Macy 's American Express card. This is a fact and I do not appreciate Macy 's dishonest statement stating that I did. As indicated, the cashier completed my Macy 's card application via entering my data into her cash register. I did not complete any form and did not leave with any paper work that Macy 's included in their XXXX XXXX, XXXX. If they roll the tape on this date, they will see that what I am saying is a fact. In regards to the disputed charge on my account in XXXX, Macy 's indicated that there was a shoe charge that was billed to my account by a Macy 's employee. They did not mention anything about a " look up '' error. For the record, I did contact Macy 's fraud department to ensure that this would not happen again. Considering that Macy 's is avoiding answering why they reported false derogatory information and blaming XXXX for their unethical conduct, they should be forced to prove what they are saying is correct, as I know for a fact they are lying. The fact that someone else 's email was attached to my credit card and a Macy 's employee charged shoes to my account, Macy 's can not be trusted. The fact that their Executive Office refused to respond to my inquiry regarding why they reported false information regarding my credit report indicates that they are engaging in unethical business practices and lack the integrity to tell the truth about their actions. This was confirmed as well, when their Florida office was determined to respond to this issue via telephone only and tried to avoid responding in writing. I do not appreciate anyone making false statements about my credit history, when my XXXX credit accounts were NEVER LATE and PAID AS AGREED since XXXX up until the time I applied for their account. In contrast, Macy 's reported " TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED '' and 'SERIOUS DELINQUENCY '', which is a lie. Macy 's did not disclose that I was applying for a Macy 's AMEX card and their response to my complaint is a lie. I call a spade a spade, as I am sick of the lies and corruption that is existing in our society today. There is no rule of law anymore and Macy 's has proven to have zero integrity. I also do not appreciate the fact that Macy 's sent CFPB a copy of my bill without my permission, which is a violation of my privacy. Macy 's conveniently avoided explaining why they took adverse action against my credit report based on false derogatory information because they are fully aware that I can take legal action against them, period.
Please re-open this case and submit my response to Macy 's or submit under a new complaint.
Sincerely, XXXX XXXX
|
| 04/13/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Early last year I fell behind in my mortgage payments due to loss of income. After a few months when I was getting back on my feet, I began seeking hardship assistance so I could get back on track. I applied for help through the government program XXXX. I was contacted by XXXX XXXX at Affordable Housing Corp, who has been helping me through this process.
I started seeking assistance through loan modification in XXXX of XX/XX/XXXX, when I was 3-4 months behind on my mortgage. For nine months now I have been submitting all requested documents, signing forms, writing letters of explanation about every thing, completing their " hardship affidavits '' and " workable solutions package '', meeting their every requirement in a timely manner. I was told repeatedly that when they had a complete application with everything they needed, that my request would be submitted for review, and at that point any foreclosure process would cease until a determination had been made.
In XXXX XX/XX/XXXX I was notified that my loan had been turned over to attorneys for foreclosure. I continued to submit all required documents with the expectation of being notified at any time that they were stopping the foreclosure process because they had everything they needed. However, the requests for new paystubs and bank statements, etc. never stopped, and I continued meeting their requests in a timely manner. Sometimes two or three weeks would go by before I got another required document request, and the whole time the sale date of XXXX XXXXXX/XX/XXXX ( tomorrow! ) kept drawing nearer.
Though I was assigned a homeowner support specialist, she was not available for me to get in touch with, without scheduling a phone appointment with her several days in advance. Sometimes I would receive the call I was waiting on, sometimes I would not. My emails went unanswered, and my questions and concerns ignored.
I received a letter from Citimortgage early in XXXX, dated XXXX XXXX, XX/XX/XXXX, stating that " Your application for mortgage assistance is complete ... Foreclosure activity will cease while your complete application is being evaluated for hardship assistance. We expect to complete our review by XXXX/XXXXXX/XX/XXXX ... '' Foreclosure activity WAS NEVER CEASED, and now my home of 12 years is scheduled for sheriff 's sale tomorrow, XXXX XXXX.
While desperately trying to get the sale postponed over the last week, I have been told, " Sorry, we ca n't help you, '' and " Sorry Ma'am, timing was not in your favor. '' Not XXXX person will admit that they have dropped the ball and messed up, nor will anyone from the mortgage company step up to help get this sale postponed so my situation can get a fair review.
I have been cheated out of a fair chance to save my home. I have explained to them that I could have been making my payments for the last XXXX months if they had just worked with me, and I have WANTED to make my payments. It was brought to my attention that they have violated your Regulation XXXX XXXX, and I would like my official complaint to be on record. I have not only NOT been treated fairly, I have been outright lied to repeatedly -- and no one cares.
I have tons of correspondence from them, and XXXX XXXX at Affordable Housing Corp in XXXX, Indiana, can verify and document everything I am saying. I accept responsibility for getting behind in my payments, but I have made cooperating with their every request a priority so I could save my home. I was told that in a matter of a few days, if the sale is not postponed, that I would be TRESPASSING in my own home! How can that be when THEY have not lived up to their spoken and written word???
While dealing with all this, my father passed away XXXX XXXX, and yet I have met their every demand, only to be told it was n't good enough. The stress, unfairness, and uncertainty is almost unbearable. CAN YOU PLEASE HELP ME??
|
| 07/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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I have held a Citi dividend card sinceXX/XX/XXXX with no late payments and a credit score > XXXX. I have not used it in recent years because I have switched to primarily using another card with better rewards. On this card, Citi offers quarterly bonus cash back and for XX/XX/XXXX it is 5 % off flights and hotels so I decided to use the card onXX/XX/XXXX to purchase a round trip flight from XXXX DC to XXXX for 2 people traveling XX/XX/XXXX via the booking site XX/XX/XXXX for total cost {$2000.00}. The next morning XX/XX/XXXX I received an email from the airline company indicating my card was declined but the reservation would be held for 12 hours if I would like them to charge the card again or use another card. At that point I called CitiXX/XX/XXXX @ XXXX EST to see why the card had not worked. I was told a block was placed for potential fraud because I had not used the card for quite a while. The agent told me the block would be taken off and she would include a large purchase note on the account to ensure the transaction would go through the next time. After speaking with Citi, I called the booking company to go ahead and ask the airline to charge the same card again. Later that afternoon, I receive an email from the booking company that the reservation had been cancelled by the airline. When I called to ask why, the booking company said the card was declined a second time and after a second decline, it is their policy to cancel the reservation. At this point, I would have to start a new reservation and unfortunately the flight prices had gone up {$220.00} per ticket. At this point I called CitiXX/XX/XXXX @ XXXX EST to see why the card was declined a second time. They indicated it was their employees mistake for not taking the block off ; that the large purchase note can not be used in lieu of removing the block. I then asked if they could compensate me for the airfare difference of {$440.00} since my loosing the reservation was a direct result of their mistake. The Citi manager said she was authorized to give max {$100.00} credit and together we conference called the airline XXXX directly to see if perhaps they would just charge the prior reservation even though the booking company would not- the airline would not and confirmed the tickets where indeed {$220.00} more each because there were now fewer seats on the outbound flight than there had been even 1 day ago. The Citi manager apologized and said she would give me her max allowed {$100.00} credit, which I indicated was not sufficient in this situation. Given the amount at stake was greater than the {$100.00} she was authorized to credit, I asked to speak with someone above her with a higher limit. She said there was no one available currently despite it being normal business hours but she would place a request and I would receive a call back in 24-48 hours. It has now been 4+ days and I have not received a call from Citi and in the meantime the same outbound flight is no longer available. A comparable RT ticket is now close to {$500.00} more per ticket. Citi reassured me that I could indeed use their card to complete my purchase when I called after the first decline but then they failed to take the block off resulting in a second decline and cancelation of my reservation by the merchant. When I called following the second decline, they refused to take financial accountability for their mistake and failed to follow up as they indicated they would. I called Citi again todayXX/XX/XXXX in hopes of speaking with a higher level manager and was again told that there was no one available, they would put a request in, and someone would call me in 24-48 hours which clearly did not happen last time. Of note, I also never received any fraud alert communication from Citi when my card was declined either time despite having up to date contact info on my account.
|
| 09/27/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
|
|
Web |
Older American |
|
I was a victim of a fraudulent wire transfer of {$15000.00} from my checking account I called to report the fraudulent transaction before the transfer was completed!
Even after the long waiting time, the first representative confirmed the full balance of {$15000.00} in my account- the transfer was not completed yet!
I was begging for help, but the representatives put me on hold twice not able to block the account! The Citi Bank representatives wasted more than 30 m the waiting time, in the identification process a second time after I was already fully identified!
The transfer was done in the presence of the second representative talking to me, identifying me for the second time, and not accting to prevent the transfer!
The two representatives did not coordinate their actions and Citi B Fraud Prevention Dep. doesn't take the appropriate measures to prevent fraud! I called numerous times to talk to Citi Bank representatives from the Fraud Prevention department, asking to speak with the agent Investigating the case about the fact that I called Citi Bank before the transfer was completed.
On three occasions trying to reach out to the representative from Fraud Protection Department, I was told that an agent will contact me in the next 24 to 48 hours, but I haven't been contacted to this moment.
The decision of the Fraud Protection Department to deny my claim is based on the conclusion that " I did not safeguard my account and this directly contributed to allowing the transaction ''. In the investigation, they completely avoided and exclude the fact that Citi Bank representatives failed upon my request to block my account!
If the representatives have adequate instructions on how to act and what to do in situations with urgent requests to block the account in case of criminal activities this transfer would be prevented! - This will be an adequate action for Fraud Prevention!
After 28 years of banking with Citi Bank, now when I am unemployed, on SS of {$1000.00} per month, ( {$10000.00} total after Medicare payment ), and I have in my Citi Bank account {$15000.00} savings to help me survive, Citi Bank did not assist me to prevent the fraudulent activity, or neither investigated with the Beneficiary bank where my money is!
Every transfer has a trace- Citi Bank has the Beneficiary bank information and the Beneficiary account, but no one of the two banks cares to create a system of fast communication in order to prevent the hackers from successfully moving and styling the funds!
Two regulated XXXX XXXX took 4 days to electronically communicate information regarding criminal activity and non of them was able to block my account before the transfer, or the beneficiary account after the transfer was reported by me to the beneficiary Bank on the day when was done!
We are left on our own to " safeguard '' our online accounts, and the Bank just can deny any responsibility for any kind of fraudulent activities from the online accounts, allowing Scammers and Hackers to succeed in their fraudulent criminal activities without any effort to protect or recover the funds!
I did not receive help! All that I heard were the answerers - " We can not! We have to wait for Citi Bank, or We have to wait for the Beneficiary bank '' ... Took days for them to communicate electronically, and took minutes to send my money somewhere and made the funds immediately available for stealing?
Nothing was done in a timely manner to prevent crime and scammers and hackers are aware of the inefficient actions and communications between the Banking institutions!
I am XXXX XXXX XXXX and this incident and how Citi Bank handled the case are causing me a terrible feeling of vulnerability, helplessness, and inability to operate in simple daily tasks!
Thank you for your time in reviewing my claim and please let me know if you need anything else.
Sincerely, XXXX XXXX
|
| 08/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Older American |
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My Citi card recently decreased my credit line from {$20.00} to {$8600.00} for {$12.00} Below please find my email to Citi and their email about their decision.In addition my XXXX XXXX score Is XXXX XXXX XXXX XXXX To : XXXX Thu, XX/XX/XXXX at XXXXXXXX XXXX You decreased my credit line by XXXX, based on XXXX report.
Thus ruining my score dramatically, I am ( was ) your customer since XXXX and never had late payment, always paying more than minimum. I called the customer service XXXX for some reason he closed my account when i made and making the monthly payment always on time and more than the minimum, never been late And i am going to report this issue to FTC and Consumer Financial Protection Bureau CFPB and Attorney general also XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX original message On Thursday, XX/XX/XXXX at XXXX XXXX PDT, XXXX XXXX wrote : Citi XXXX XXXX : XXXX XXXX XXXX Since : XXXX Account ending in : XXXX Dear XXXX XXXX : There was a recent review of your account and credit information. As a result, we have revised the credit limit to {$8600.00}. Your current account balance is {$8400.00} Our decision was based, in whole or in part, on information obtained from the following consumer reporting agency : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we decreased your credit limit You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. We encourage you to review your credit report for accuracy.
We're online Please visit Citi Online to view your current account information. If you've enrolled in Electronic Communications, please check the Document Center for more information. Otherwise, a letter has been mailed to you and should be received within the next 7-10 days. This is the most up to date information available to our credit specialists. If you find any information in your credit report that is inaccurate or incomplete, you have the right to dispute the matter by contacting the reporting agency at the address or phone number above. If your credit report changes as a result of a dispute, please give us a call within 60 days so we can re-evaluate our decision.
Sincerely, XXXX XXXX View Your Account Pay Your Bill Contact Us Email XXXX XXXX At the top of this message, you'll see an Email XXXX XXXX. Its purpose is to help you verify that the email was indeed sent by Citi. If you have questions, please call the customer service phone number on the back of your card. To learn more about online fraud, visit accountonline.citi.com and click " Security '' at the bottom of the screen.
Privacy | Security Email Preferences This message is from Citi Cards. Your credit card is issued by Citibank , N.A . If you'd like to refine the types of email messages you receive, or if you'd prefer to stop receiving email from Citi Cards, please click here. Citibank manages email preferences by line of business. Changing your email preferences with Citi Cards does not change your email preferences for messages from Citibank 's other businesses, which include retail branch banking, among others.
Should you want to contact us in writing concerning this email, please direct your correspondence to : Citibank , N.A . Customer Service po box XXXX XXXX XXXXXXXX XXXX XXXXXXXX Help/ Contact Us If you have questions about your account, please use our secure message center by signing on at accountonline.citi.com and choosing Contact Us from the Help/ Contact Us menu. You can also call the customer service phone number on the back of your card.
XXXX Citibank , N.A .
All rights reserved.
Citi, Citibank and Citi with XXXX XXXX are registered service marks of Citigroup Inc .
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| 11/01/2016 |
Yes |
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Web |
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On XX/XX/2016, I purchased an airline ticket from XXXX XXXX for travel from XXXX XXXX, XXXX to XXXX, WV ( XXXX ). I used a Citi AAdvantage Platinum Select WorldElite Mastercard to pay for the airfare.
One of the reasons I chose to pay for the airfare with this particular credit card was because of its Trip Delay Protection benefit, which pays for up to {$500.00} of expenses incurred due to a trip delay of at least 12 hours.
The Terms & Conditions ( T & C ) state the following : " If a Covered Traveler 's Trip on a Common Carrier is delayed for at least 12 hours, we may reimburse you for expenses incurred because of the delay. You are covered for up to {$500.00} per Covered Traveler, per Trip. '' The T & C define " Trip '' as follows : " Trip means any pre-paid travel, tour or vacation when all or at least a portion of the cost of the Common Carrier fare was paid using your Citi card and/or AAdvantage ( R ) miles for all Covered Travelers. '' My " Trip '' was XXXX XXXX, 2016, and I paid the Common XXXX, XXXX XXXX, for an air ticket to fly me from XXXX to XXXX. XXXX XXXX routed my trip through XXXX ( XXXX ) and XXXX ( XXXX ). At XXXX, my flight was delayed due to weather and arrived at XXXX over XXXX hours late. This caused me to miss my connection, and there was not another open seat to XXXX, my point of destination, for 16 hours. I was originally scheduled to leave XXXX at XXXX and arrive at XXXX at XXXX on XX/XX/XXXX. Instead, I departed XXXX at XXXX ( XXXX hours later than scheduled ) and arrived at XXXX after XXXX ( 16 hours later than scheduled ) on XX/XX/XXXX.
When I was at XXXX, after I was rebooked onto the flight to XXXX, I called the Citi Benefits call center. I spoke with a customer service representative ( CSR ) about the Trip Delay Protection benefit. The CSR stated that he could not pre-approve potential claims, but he told me that the delay in my trip, as I described the missed connection, was covered by the Trip Delay Protection benefit.
Relying on the interpretation of the benefit by a Citi Benefits CSR, as well as the plain language of the benefit 's T & C, I booked a hotel room for the night in XXXX, and used XXXX to drive me to the hotel and back from the airport. I paid {$200.00} for the hotel. I paid {$24.00} for the round trip XXXX ride.
On XX/XX/XXXX, I submitted all requested documentation to Citi Benefit 's claim center. I was told I would have a response within 2 weeks. After 2 weeks had passed, I began weekly calls and/or e-mails requesting a status update on my claim. It was not until XX/XX/XXXX that I was informed by a Citi Benefits CSR on one of these phone calls that my claim had been denied because my flight from XXXX to XXXX was delayed for less than 12 hours. I asked how I could appeal the decision because the T & C do not define " Trip '' as each single flight segment within air ticket itinerary. The CSR stated I would receive an immediate e-mail and letter in the mail stating the claim appeal process. I have never received an e-mail. I finally received a letter in the mail 3 weeks later stating an appeal could be made by calling the same call center with whom I had already been speaking.
I called and made an appeal, pointing out that my " Trip '' had been delayed for 16 hours. It was all part of the same air ticket issued by the Common Carrier. I was stuck in XXXX for 16 hours, which is a " Trip Delay, '' and there is nothing in the T & C that redefines " Trip '' to exclude such a delay. Today, I was notified that my appeal was denied because my flight from XXXX to XXXX was delayed for less than 12 hours.
Citi Benefits is not following the T & C of their own benefits. At best, it 's misleading. At worst, it 's fraud. Additionally, a Citi Benefits CSR specifically told me missed connections are covered by the Trip Delay Protection.
I want the {$230.00} to which I am entitled.
|
| 08/17/2015 |
Yes |
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Web |
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I had a gas credit card from Shell for several years, and I generally paid the full amount due, as the bills arrived. I paid my bill in XXXX of 2014, and thereafter received no new bills.
Unexpectedly, in XXXX of 2014 Citibank XXXX the issuer ) began calling my residence, every day. My wife who is not well is home during the day, and asked me why Citibank was calling. I told her I did n't have any Citibank cards ( I did n't know Shell uses Citibank XXXX and it probably was solicitation. She would then pick up the phone and tell them to stop calling. They did not.
Finally, Citibank called when I was home, and we spoke to a representative who demanded payment. It was explained that we had not received any billing and that we wanted an accounting as to what was allegedly owed, and the calls to stop. We were told they had the right to call every day. When the representative explained it was a Shell card, I thought back and believed there had been a purchase for about {$70.00} that may have not been paid due to no billing. In XXXX I estimated what I owed and sent {$100.00} to cover the bill, since I had still not received an accounting. The calls then stopped, but several weeks later re-commenced.I spoke to one of the callers, told her I protested the amount, that I had not received billing and requested a billing statement to enable me to determine what was allegedly due and when the charges were allegedly incurred.
I heard nothing, and received nothing, in response but the phone calls continued. I then again spoke to one of the callers, explained the situation and again requested a statement that would detail the amounts owed and when they were incurred. Approximately 2 weeks later, I received a bill. This was the first time I was provided with a bill in months. It did not set forth the original debt, nor did it explain how I incurred late charges on bills that I did not receive, but merely set forth an amount allegedly due.
Although I did not receive the full explanation I requested, I enclosed a check in the amount of {$120.00}, the amount represented to me as being the total amount due, under protest. I did not acknowledge that I owed this amount or any amount, but I merely wished the daily telephone calls to end. My wife, who is not well and at home during the day, is greatly disturbed by the calls. I also demanded, once again, a complete explanation of the billing that precipitated these charges. Since I did not receive the initial bill which led to this situation, I demanded a refund of all late charges paid, and that any negative reports affecting my credit be rectified.
In response, I received a letter demanding that I speak with one of their representatives. I had already spoken to their representatives, and had not been able to get through to them that I did not owe any money, that I had been illegally billed for services that I had not incurred, and that I wanted the harassing phone calls to stop. Moreover, there was no reason to re-hash the situation with an employee who did not have the authority to resolve the issue, refund my unfairly charged " late fees '', and who had no authority to resolve the issue other than by demanding additional payment from me.
Not only were my requests to stop the harassment, the illegal billing, to refund monies improperly billed, disregarded, but Citibank apparently continued to charge me XXXX what I can only assume are late fees ) without sending me any bills, and re-instituted its daily calls. I have ripped up my card, do not use Shell gas or any Shell products, and have not received any billing statements, so I could not have incurred any additional charges.
I feel that this is not administrative oversight, but an intentionally calculated program to not send billing, and then charge late fees and penalties. Any assistance in resolving this matter would be greatly appreciated
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| 01/20/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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I placed a defective item I purchased from XXXX XXXX XXXX XXXX into " dispute '' with CitiCard '' " Diamond preferred. '' The item was a small cement mixer which arrived defective and XXXX XXXX issued me a Return Merchandise Authorization. I returned the item via XXXX. CitiCard advised me they had contacted XXXX and XXXX had so many days to reply. XXXX replied by stating they never received " their '' defective cement mixer back. I contacted XXXX and they told me they had proof that XXXX did receive the mixer back, as an employee of HF signed for the returned mixer. On XXXX XXXX, 2016, I received a letter from CitiCard which was dated XXXX XXXX, 2016. The letter stated what XXXX had stated regarding their mixer and advised me I have until XXXX XXXX, 2016 to prove to CitiCard that XXXX did in fact receive their mixer back. I contacted XXXX again and was told they can only fax or snail mail the document to me that proves XXXX received their mixer back and it would take up to XXXX to 10 days. On XXXX XXXX, 2016, I arrived home and found a " new '' cement mixer, wrapped in white strapping on my front porch. It was from XXXX XXXX. I called XXXX and told them I was not accepting the cement mixer, as the job was done and I did not need the mixer any longer. I also told XXXX that I never ordered or was contacted regarding XXXX sending me another mixer. I contacted CitiCard and ultimately spoke to a supervisor in the " Dispute Department '' of CitiCard. I explained to " XXXX '' that the solution to this problem was easy. All that had to be done to resolve the issue was call XXXX and have XXXX fax the XXXX documents that XXXX XXXX signed upon receiving their XXXX cement mixers back. " XXXX '' advised me she could not do that, even after I asked her if we could possibly establish a XXXX way call and get this minor issue resolved. All " XXXX '' could provide was excuses as to why she could not do anything to resolve a " Dispute. '' The supervisor of the " Dispute Dept. at CitiCard after being given the solution to a minor problem could not possibly dial XXXX..but I could. " XXXX '' gave me Citicard 's fax number and I asked who I should have XXXX address the fax to. XXXX astonishingly replied, " We do n't do it that way! '' I asked how they did it. XXXX explained the fax number she provided me was what amounts to a general receipt depository and nobody at CitiCard therefore takes XXXX personal responsibility if the fax should be lost, never received, missing in action etc. ( Unbelievable ) So, having little options I contacted XXXX and asked them to fax the proof that XXXX XXXX had in fact received both cement mixers back. I gave the XXXX employee the case number CitiCard had in their letter and asked the woman to please cross-reference XXXX ' case number with CitiCards case number in the sincerest hopes I could get approximately {$110.00} U.S Dollars refunded or credited to my CitiCard account. I sent CitiCard what documents I have to date on XXXX XXXX, 2016. Having said that the critical documents are the documents XXXX received when XXXX XXXX signed for the return of their defective cement mixer and their unopened cement mixer I returned.
I find this RIDICULOUS! One places a charge on their credit card in dispute for " investigation. '' CitiCard 's investigation consisted of Harbor Freight claiming they did not receive their defective cement mixer back, so I have to prove in 9 days or less that I in fact sent the mixer back, because a supervisor in the credit card dispute department can not do ANYTHING that results in even attempting to resolve the problem. This despite being given the answers as to how to resolve the problem in the most expeditious manner possible ... by the customer. I can assure ALL that I returned XXXX their cement mixers and simply want my refund for approximately {$110.00}. I get 9 days to " prove '' my claim?
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| 06/06/2015 |
Yes |
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- Customer service / Customer relations
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Web |
Servicemember |
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Best Buy Credit Services XXXX XXXX XXXX XXXX XXXX MO XXXX is where I was about to send a letter appealing a customer service request that was denied. My wife was paying monthly on XXXX and XXXX gifts purchased at Best Buy on 24 month and 18 month promotions that ended in XXXX and XXXX 2015. She had payments scheduled in online banking to send to the Best Buy Credit Card. The scheduled payments must have expired because I got a call in XXXX, XXXX and XXXX by a computer telling me that the monthly payment was missed and offered to take a payment using my checking account information. I called customer service tonight and spoke to a very nice lady who took full payment at my request and also offered to remove the most recent monthly late fee. I asked for an explanation of the total interest paid in 2015 of {$1200.00} when my pay-off was only {$1500.00}. She told me about the XXXX and XXXX interest charges of {$670.00} and {$380.00} respectively. From my perspective, those quietly appeared without warning. And when she explained that the 27.99 % APR was on the initial purchase price calculated daily going back 24 months and not on the remaining daily balance, I felt that it was excessive. I respectfully asked for her use XXXX that rate. She put me on hold to ask a credit manager and the answer came back as no. She was so sweet and helpful that it was hard for her to tell me no. I asked if the credit manager would reduce the interest by XXXX and she said she was already told no to any relief. The reason she gave is that I had not tried to contact them sooner. If I had contacted them in the month following the interest charge, they may have removed it completely. But since it was 3 months after the charge, it would all stay. My frustration is that my wife pays our monthly bills and I knew something was wrong when I got a phone call. If they had used a person instead of a computer to call me for the recent missed payment, maybe I could have asked at that time. But I did n't know about the excessive interest charges until I opened the XXXX statement today. If the computer that called me to collect my missed monthly payment told me that it included 77.53 % interest and 22.47 % principle and fees, I might have asked to speak with someone instead of just paying the requested payment of {$440.00}. Remember that these were gifts to me from my wife. Anyone who is married would recommend that I just pay the requested amount from the phone call instead of asking to see my wife 's accounting records. After the second monthly phone call from Best Buy Credit, I had to risk rocking the family boat and ask her. I survived and when the next bill came in the mail, it was laid out on the counter for me. That was last night. She was still paying the amount she originally scheduled, but it was no longer meeting the minimum because of the gigantic interest charge on what was then a small balance. I think that my call to Best Buy Credit today could still be considered timely since it was the first bill that came after XXXX phone calls from their computer. We did n't miss any payments. It was the accumulated interest that caused required adjustments that my wife did not make any. I reacted after XXXX months in a row of notice that something was not right. I only asked that the interest charges be reduced to something both I and the phone representative thought fair. But I got a cold NO. The credit manager had the power to give a crumb at least. But nothing. It will cause me to not shop at Best Buy any more because it cost almost as much as the original gift and we never missed a single payment. The computer that called should tell us that our recent payment was not enough or we should get a special, separate notice that our balance doubled due to interest. Especially when they say NO because I called 3 months later instead of XXXX or XXXX. Cold-hearted.
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| 01/11/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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THIS IS NOT A DUPLICATE COMPLAINT NOR IS IT A COMPLAINT ADDRESSING A PREVIOUS ISSUE, Citi Bank closed my complaint with remedy that I am not satisfied with and will not accept. This complaint is in response to their response admitting that I had an account fraudulent opened with them they finally are removing the accounts from my consumer report and have cleared me of all financial responsibility but this is not enough for the injury and damages that they have caused upon my life from XXXX!!! they have stolen thousands of my hard earned money to satisfy a fake debt. they refused to accurately report and validate the account when I began disputing it and damaged my report for years making it hard for me to obtain credit. damaging my credit worthiness and capacity and reputation for years. so I say again THIS IS NOT A DUPLICATE COMPLAINT. THERE WAS NO RESOLUTION THAT I THE CONSUMER FOUND FITTING. THIS IS MY LAST ATTEMPT BEFORE ARBITRATION I'm writing this complaint today to address an on goin issue I have been having with Citi Bank, an account was opened at Citi Bank using my personal identification information. I began disputing this account since XXXX. 2 whole years. Citi Bank finally investigated this account following up to my last CFPB complaint and the results that they found determined that I was in fact telling the truth and the account was indeed opened in result of identity theft. A received a letter from Citi Bank clearing me of all liability of any alleged debt that was created from that account and that they would be removing the account from my consumer reports. Since XXXX I have been disputing this account, this negative account appeared and still appears on my consumer report. Citi Banks failure to ensure that this account was actually valid before reporting it to the consumer reporting agency has in fact caused significant damage to my consumer report for the years it has been reporting to my consumer report and has made it extremely hard for me to extend myself credit through which has caused me extreme financial hardship especially through out this pandemic. Citi Bank is indeed guilty of 1 count of taking adverse action against me and they are now civilly and criminally liable. I submitted numerous complaints to the XXXX and cfpb which were all previously ignored. If they would have done what the bureau requires them to do this entire situation could have been avoided but instead they knowingly and willfully continued to report this negative account to my consumer reports even after receiving my many disputes. I also have proof that Citi Bank took federal reserve notes from my personal debit card accounts to satisfy to alleged debt that they have now admitted was fraudulent. I have reason and proof to believe and does so believe that regardless of your/their location, Citi Bank has participated in racketeering activity as defined in Title 18 U.S.Code 1961, by knowingly, intentionally, with forethought and malice have been taken federal reserve notes from my personal debit card account to satisfy an account fraudulent opened in my name with them and refusing to actually verify this account this is embezzlement, theft by deception and extortion.I requested Citi Bank to refund me any money ever taken from me to satisfy to alleged debt and to provide me with the bank statements for this account or the accounting to be reviewed so that I am in fact refunded the correct amount. i refuse to settle for anything less than I am am deserve and not willing to negotiate. this has gone on for years. this account was established in XXXX. XXXX to XXXX they have taken adverse action against name reporting this fraudulent account to my consumer report. Citi Bank is in violation of 15 usc 1692j ( a ). 15 usc 1692d ( 1 ), 15 usc 1681b, 15 usc 1643 and they are now liable pursuant to 15 usc 1692k. I am demanding monetary relief
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| 01/11/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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THIS IS NOT A DUPLICATE COMPLAINT NOR IS IT A COMPLAINT ADDRESSING A PREVIOUS ISSUE, Citi Bank closed my complaint with remedy that I am not satisfied with and will not accept. This complaint is in response to their response admitting that I had an account fraudulent opened with them they finally are removing the accounts from my consumer report and have cleared me of all financial responsibility but this is not enough for the injury and damages that they have caused upon my life from XXXX!!! they have stolen thousands of my hard earned money to satisfy a fake debt. they refused to accurately report and validate the account when I began disputing it and damaged my report for years making it hard for me to obtain credit. damaging my credit worthiness and capacity and reputation for years. so I say again THIS IS NOT A DUPLICATE COMPLAINT. THERE WAS NO RESOLUTION THAT I THE CONSUMER FOUND FITTING. THIS IS MY LAST ATTEMPT BEFORE ARBITRATION I'm writing this complaint today to address an on goin issue I have been having with Citi Bank, an account was opened at Citi Bank using my personal identification information. I began disputing this account since XXXX. 2 whole years. Citi Bank finally investigated this account following up to my last CFPB complaint and the results that they found determined that I was in fact telling the truth and the account was indeed opened in result of identity theft. A received a letter from Citi Bank clearing me of all liability of any alleged debt that was created from that account and that they would be removing the account from my consumer reports. Since XXXX I have been disputing this account, this negative account appeared and still appears on my consumer report. Citi Banks failure to ensure that this account was actually valid before reporting it to the consumer reporting agency has in fact caused significant damage to my consumer report for the years it has been reporting to my consumer report and has made it extremely hard for me to extend myself credit through which has caused me extreme financial hardship especially through out this pandemic. Citi Bank is indeed guilty of 1 count of taking adverse action against me and they are now civilly and criminally liable. I submitted numerous complaints to the XXXX and cfpb which were all previously ignored. If they would have done what the bureau requires them to do this entire situation could have been avoided but instead they knowingly and willfully continued to report this negative account to my consumer reports even after receiving my many disputes. I also have proof that Citi Bank took federal reserve notes from my personal debit card accounts to satisfy to alleged debt that they have now admitted was fraudulent. I have reason and proof to believe and does so believe that regardless of your/their location, Citi Bank has participated in racketeering activity as defined in Title 18 U.S.Code 1961, by knowingly, intentionally, with forethought and malice have been taken federal reserve notes from my personal debit card account to satisfy an account fraudulent opened in my name with them and refusing to actually verify this account this is embezzlement, theft by deception and extortion.I requested Citi Bank to refund me any money ever taken from me to satisfy to alleged debt and to provide me with the bank statements for this account or the accounting to be reviewed so that I am in fact refunded the correct amount. i refuse to settle for anything less than I am am deserve and not willing to negotiate. this has gone on for years. this account was established in XXXX. XXXX to XXXX they have taken adverse action against name reporting this fraudulent account to my consumer report. Citi Bank is in violation of 15 usc 1692j ( a ). 15 usc 1692d ( 1 ), 15 usc 1681b, 15 usc 1643 and they are now liable pursuant to 15 usc 1692k. I am demanding monetary relief
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| 01/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I am being charged twice by creditor Citibank , N.A . XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX for a single purchase from XXXX XXXX for the amount of {$1200.00}. I have disputed the charge twice in XXXX and XXXX with no resolution. I do NOT dispute the original charge on XX/XX/XXXX AND I DID pay that amount. When the trip was canceled, I initiate a dispute and later withdrew the dispute. However Citibank added the charge back into my account and insists the vendor says it is a valid charge. I have contacted XXXX XXXX several times and have written proof they only charged me once. I have submitted documents to Citibank and have spoken several times to the Citibank Dispute Department explaining my situation. Several times, the operators confirm that XXXX XXXX submitted a single charge to my visa account. I have a signed Certified Mail Receipt from the US Postal Service that shows Citibank received my documentation. The following is just one document I sent to Citi ( R ) Cards XX/XX/XXXXXXXX XXXX XXXX, MO XXXX XXXX & XXXX Here are the sequences of events that have occurred for these two disputes.
XX/XX/XXXX - I used my Citibank Visa to deposit {$1200.00} to XXXX XXXX for a guided trip through XXXX from XX/XX/XXXX, XXXX XXXX, XXXX. I paid the {$1200.00} charge in my XX/XX/XXXX statement.
XX/XX/XXXX - AHI canceled my XXXX trip due to COVID -19.
XX/XX/XXXX - I called Citibank to dispute ( XXXX ) the {$1200.00} charge to XXXX XXXX. I was given {$1200.00} credit in the XX/XX/XXXX statement.
Later XXXX - I spoke by phone to Citibank and verbally withdrew my dispute.
XX/XX/XXXX - XXXX XXXX credited my account {$600.00}.
XX/XX/XXXX - Citibank Visa generated a letter concerning the transaction for a transaction dated XX/XX/XXXX for a {$1200.00} charge to XXXX XXXX.
At this point in time the dispute had been settled. I had dropped the dispute in XXXX, so I did not complete the paperwork. The {$1200.00} was added to the XX/XX/XXXX statement and I had paid the statement in full.
The XX/XX/XXXX statement has another {$1200.00} charge to the same XXXX XXXX for the same date of XX/XX/XXXX. I have tried to explain this double charge of {$1200.00} with XXXX in customer services on XX/XX/XXXX and supervisor XXXX on XX/XX/XXXX. Both have acknowledged the double charge and had made attempts to correct the problem. However by XX/XX/XXXX, no correction has been made. XXXX had instructed me to pay my XXXX statement minus the {$1200.00}.
I have contacted XXXX XXXX and they did not double charge me. I have an email to that effect.
XX/XX/XXXX - The second dispute claim XXXX XXXX XXXX was created because Citibank Visa claims XXXX XXXX double charged my account. I was now given another {$1200.00} conditional credit and the {$28.00} interest charged for the {$1200.00} that was not paid on the XXXX statement was credited.
XX/XX/XXXX - A letter dated XX/XX/XXXX, is now on their website saying they have rejected my dispute again.
I suspect that XXXX XXXX DID NOT create a second charge. Please verify if there was a second charge by XXXX XXXX between XXXX and XXXX, XXXX. I suspect there was a miscommunication at Citibank Visa between XXXX and XXXX, XXXX. While the dispute was withdrawn in XXXX and paid in the XXXX statement, the paperwork dated XX/XX/XXXX was created asking for response to the dispute. I did not respond since I thought the dispute had been withdrawn. BUT since there was no response, another {$1200.00} charge ( REVERSE XXXX XXXX XXXX ) was added to the XXXX statement. Since there is a repeat charge and tentative credit, both for {$1200.00}, they should negate each other.
I have tried several times and spent many hours trying to resolve this dispute with no results. Some Citibank Visa Dispute personnel such as XXXX, XXXX and XXXX have been helpful while others were not.
If you need any clarification, please contact me.
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| 03/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX I signed up for a service on an existing Citi card, offered by Citi Bank called a Citi Flex Plan. This is an offer to utilize unused credit balance as a fixed interest loan. I received a {$9900.00} sum on the terms of 6.99 % over 60 months, with a monthly payment of {$190.00}.
One of the questions I had was readily answered. The question was " how to I pay my flex loan and my card payment separately since they're on the same card '' as I intended to continue as I have for the previous 5 years and pay off my balance at the beginning of every month. The answer seemed to be simple, on the payment tab, there's an option to pay balance + 1 month of Citi flex plan payment. This option goes on to clarify that this payment does not include any additional months payment.
On the first payment I owed both a card payment and flex plan payment I selected this option and made my payment. This was XX/XX/XXXX. When I went to pay on XX/XX/XXXX I was shocked at the amount owed for my standard purchase account.
I withheld payment at that time and exported my payment data to ensure no false charges were made to my account. After a significant amount of time accounting for all payments I still could not verify where this excess payment was coming from until I checked my flex plan balance. At my XX/XX/XXXX payment, instead of 1 month being deducted from that payment, 14 months were deducted. This means that an additional sum of over {$2000.00} in purchases were rolled over into the following month.
When I spoke to the bank, they said that any payments over the statement amount will be payed to the flex plan, and that the charge can not be undone. The issue is that the payment option does NOT display statement balance + flex plan balance, it displays running balance + flex plan balance, which means if you choose that payment option after your statement has been issued, all additional payments after said statement that are stated to go to your purchase account instead go to your flex payment. I should note that by the time the actual cause of the issue was sorted out I had been on the phone for several hours and spoke with multiple customer service representatives. I was told by the last representative that they understood what I was saying and they would need to look into it and call back. I missed the call back and the number they gave me connected back to the main service line. I told this representative the situation and they stated there's no way to connect me to the previous representative or to see their interpretation of the issue and asked me to start over from the beginning at which point I decided to file a complaint instead.
The main issue here, while seemingly innocuous being that my payment was still applied to an outstanding balance dollar for dollar, is actually quite devastating for my family. The reason we have this flex plan in the first place is to cover my Wife 's XXXX care after she no longer qualified for insurance through her job. We planned to spread treatment payments out over the flex plan loan term to hold us until she was able to get insurance through work again. Now we've lost the ability to draw {$2000.00} out of that flex loan as well as losing {$2000.00} out of our operating budget that went to paying the additional purchase account expenses. This is a blatant violation, of the fair debt collection practices act, as both the amount I owed and the accounts to which my payment would be applied to were misrepresented.
I thought this would be a routing call for the bank, however multiple times customer service failed to see the issue. Citi customer service is essentially non-existent. I was continuously denied the opportunity to speak to anyone who had the authority to actually look into the issue, and when there was a potential solution, Citi 's own system made it impossible to follow up on.
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| 08/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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We received our Sears CITI Platinum Master Card statement XX/XX/XXXX for statement closing date XX/XX/2020. This statement showed several fraudulent transactions resulting in {$700.00} worth of charges and payments & other credits or {$610.00}, resulting in a balance due of {$85.00}. We notified customer service at XXXX and advised XXXX these transactions we fraudulent as we had not used this card since purchase reflected on statement ending XXXX and paid.
XXXX advised she would cancel our current cards and issue new cards. We could expect to receive the new cards within seven to ten business days. We received new cards XX/XX/2020 and activated them but have not used them and will not till this is resolved.
We received a letter from XXXX XXXX referencing the cancelled cards dated XX/XX/2020 advising they were working on the reported fraud claim. We received a letter from Sears Mastercard dated XX/XX/2020 referencing the new card, advising they are adjusting the minimum payment due on our account by our next payment due date XX/XX/2020 to {$0.00}. We received a letter from XXXX XXXX dated XX/XX/2020, referencing the old account, advising they completed their investigation and have removed disputed amounts and any related fees and interest charged, and updated the three credit reporting agencies to a resolved status. We also received a letter from Sears Mastercard dated XX/XX/2020, referencing the new account confirming the information provided in the XX/XX/2020 letter.
We received the statement closing date XX/XX/2020 reflecting the new account and it again showed debits and credits which appear to be transferred from the old account reflecting a balance of {$430.00}. We called Customer Service XX/XX/2020 to attempt to resolve the mistakes they have made. XXXX advised they failed to credit {$430.00} reflected on the old account. Sent it back to Investigative Department for correction. Called automated account system XX/XX/2020 and balance still reflected {$430.00}, called Customer Service and XXXX advised the same thing as XXXX, allow another 7 to 10 business days for correction, and late fees or interest will not be charged.
We received statement ending XX/XX/2020 with a balance of {$430.00} plus late fees and interest charges for a total of {$470.00}. On XX/XX/XXXX, we received a call from a collection agency and spoke with XXXX and explained previous contacts with Customer Service and Fraud Department, she advised this did not belong in Collections Department and got the Security Ops Department on the line and XXXX advised it will take 7 to 10 business days to correct, will not receive any collections calls, you owe nothing and do nothing, he would refer to Fraud Department for correction. He provided written confirmation of what had been discussed. This letter was dated XXXX XXXX referencing the old account and indicated all disputed charges including late fees and interest had been removed and credit reporting agencies notified to update account.
We received statement ending XX/XX/2020 and it reflected a credit for the {$430.00} but did not credit the {$28.00} fee or the {$8.00} interest charged the previous month. The new balance reflects a past due amount of {$36.00} and a late fee of {$41.00}. Called Customer Service XX/XX/2020 and spoke with XXXX advised her of the situation and she connected me with XXXX with the Investigation Department who advised us not to pay and allow 7 to 10 business days for correction.
Received a letter dated XX/XX/2020 from CITI indicating our Sears Mastercard account is still open however your charging privileges may already be suspended in the future. Called Customer Service and spoke with XXXX who after explanation connected me with XXXX who I attempted to refer to previous letters but she was not interested and simply asked if I wanted to dispute these charges and hung up.
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| 06/14/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Dear Sir/ Madam, I am writing to you today about an issue I had with Citibank ; and more specifically, a Citigold checking account that I have opened with them XX/XX/XXXX. At the time of opening the account, I have used a promotion that should have awarded me XXXX XXXX XXXX miles after meeting certain requirements. After opening the account, I have confirmed with Citibank customer service in writing that my account was successfully enrolled in the promotion and that I am eligible for it. The following is an excerpt from the answer I received on XXXX/XXXX/XXXX : " Thank you for choosing Citibank for your financial needs. I can confirm that you opened your account with the promotion XXXX for XXXX AA miles. '' On the next day, I have had another interaction with Citibank and provided them with my mileage account number. Again, I have received an answer that implicitly confirms that they see I am enrolled and eligible in the promotion. They have even cited the requirements that I need to meet in order for the miles to be deposited in my mileage account. The following is a part of the message I did receive : " I will be more than happy to assist you with the XXXX AA miles promotion for checking account ending in XXXX. Thank you for providing your AA account number. Our records show promotion code XXXX is applied to your checking account. Listed below are the requirements you must complete to qualify for the offer : Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/XXXX. Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card which must be posted to the new checking account. And 1 qualifying bill payment must be posted to the new checking account each month for XXXX consecutive calendar months. The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you complete all offer requirements. ".
Not only did they confirm the requirements but they also confirmed the deadline for the miles to be deposited which is fine so far as it is consistent with the timeframe they provided when I opened the account. On XXXX/XXXX/XXXX, I have confirmed with the bank that the requirements were met and this was their answer : " After reviewing your account, I see that you completed the requirements, and were met on the statement cycle that ended on XXXX/XXXX/XXXX, please allow up to 90 days for the bonus miles to be credited. '' After more than 90 days noticing that the bonus was not posted to my account I reached again to them and they told me : " After reviewing your account, I can confirm you completed the requirements, please note the bonus miles are processed by the end of the statement cycle of XX/XX/XXXX, please allow up to XXXX weeks for processing, if you have not received the bonus miles by XXXX XXXX you may reach out to us by phone or send another message and we will gladly open a case for further research. '' From that point, the messages kept going back and forth and they were coming up with a different excuse every time to tell me at the end around XX/XX/XXXX that after a thorough investigation, it turned out that I am not eligible for the promotion and I gave up complaining to them at a certain point.
Subsequently, I am submitting this formal complaint because I judge that Citibank has been very misleading to me in this transaction. If I am not eligible as they claim ; then they should have told me so from the very beginning and I would have understood it. However, they confirmed to me the eligibility and that everything is fine and that I should not worry again and again and again while deducting the XXXX $ monthly fee that the account carries every month. Out of a sudden, their systems show that I am ineligible for the promotion.
Kind Regards, XXXX.
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| 02/23/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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Citi XXXX XXXX AAdvantage closed my account on XXXX XXXX, XXXX ( of course given this was XXXX, no one at Citi could explain what was going on that day ) after 15 years of being a customer with no prior notice nor attempt to contact me via phone or email. No payments were due at the time as I had already paid {$6500.00} in cash ( direct debit ) + a {$270.00} credit from a vendor in that month of XXXX ( my credit line was just north of {$16000.00} ).
Citi claims that on XXXX XXXX, I made ( another ) online payment of {$2500.00} ( from a different account than the other {$6500.00} ) that was returned NSF despite the fact that my account at XXXX XXXX has no record of anything being presented at that date ( or for the entire month of XXXX ) and in fact sent a Letter to Citi explaining this. I was never notified by either institution of any NSF until Citi closed the account on XXXX.
The root cause of this either an outright mistake or the Citi Website 's poor design which is misleading and prone to error given the nature of how customers select accounts in a Drop Down box to choose which account the direct debit is made from. I have XXXX accounts linked to this Citi account and one could easily choose the wrong account. Given the fact that 2 weeks had passed since this payment was, evidently, initiated I of course could not remember exactly what transpired. But I believe I tried to cancel this transaction realizing that the wrong account had been selected. Citi had a record of the transaction being cancelled in fact but can not tell if " I '' did it or if Citi did after the fact. It is now not even clear to me IF there is a Any Way to cancel a transaction which is of course poor design at best and not my fault.
I did contact the bank and despite a helpful customer service rep named XXXX in Kentucky, after weeks of going back and forth with No Explanation of the " cancelled transaction '' that Citi said I had XXXX NSF transactions over the life of the account ( the prior one being on XXXX/XXXX/XXXX - almost enough time even for a bankruptcy to be expunged ) and there was " nothing they could do '' and that the account was automatically terminated.
Furthermore on XXXX XXXX, I received this notice from Citi saying they had forgotten to notify me that they had charged the Annual Fee to the card of {$450.00} : We charged you an annual membership fee without prior notice We discovered that we failed to include a statement message on your Citi ( R ) / AAdvantage ( R ) XXXX XXXX ( R ) account notifying you of the annual membership fee the month before we billed it. We apologize for our oversight.
Lastly I paid the entire balance on the account to {$0.00} on XXXX XXXX ( as I said I would ) and there is currently a {$24.00} credit due me on their website for which they have not contacted me nor paid me.
Furthermore on XXXX XXXX, Citi sent me a lette To the extent that there is No Capability to cancel an initiated Debit on the Citi website nor any notice being given of a problem or potential problem, that is not a proper website for a very large financial institution to be using to the detriment of their customers.
Of course my credit has been impaired by Citi 's unilateral actions and with No Opportunity for me to rectify the situation.
I would appreciate the CFPB 's help in getting this account re-opened and the appropriate fees reimbursed.
Perhaps more importantly would be delineating some Standards and Procedures around Web Design / UI and clear method for Consumers to be able to cancel transactions when mistakes are made and that Consumers be contacted before account closure to be given the opportunity to ameliorate and mistake made due to poor Web Design until such time as the Website can be improved to address this issue. I 'm in the XXXX business and I know there is a proper way to do these things - Citi is not doing them
|
| 10/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Citibank has stolen $ XXXX from me!
I can't believe this is happening to me. I will start from the very beginning : I opened up checking account on XX/XX/22 with. XXXX XXXX XXXX explaining to him that will be receiving wire transfers from XXXX. explaining how much i would be receiving and how many there would be he said thats fine there will be no problem he will set the account up and noted in the system. I then made a deposit for XXXX Same day as I open the account. My friend did the transfer for the amount of XX/XX/22 {$25000.00} usd. Was wire transferred from Her account. AUD {$35000.00} went through it was in the account it was clear my account was good. The next wire transfer that was sent from her was on XX/XX/22 USD. In the amount {$18000.00} Again going into my account from the same person. international AUD. {$24000.00} I cleared into my account everything was good on both ends accounts was fine. This is when the problem begin. XX/XX/22 next wire transfer was sent from the same person for XXXX again because of the exchange rate and its AUD. For her it was XXXX followed with Another transaction from her for {$4500.00} USD. AUD XXXX. For her. It showed up that it was all clear in the accounts.
A week latter I went to the the branch asked to withdraw XXXX from my checking account. they said my amount is frozen due to fraudulent activity. They said they can not talk to me i need call up The fraud department and they gave me the number to call. They can not do anything. I was so upset. After hours in the bank. Now hours on the phone. Then I was told on the phone it was fixed the account I can use my account its not frozen any more. they say they fixed it is ok to charge my card and use it. The block is now off the account. Not true.
I have spent hours and hours on hold with citi bank, and transferred around with different people because nobody has any idea what they are talking about.. Nobody could tell me why my account was flagged for " fraudulent activity ''.
I finally got to talk to someone who gave me some information. He said there closing my account and they would be mailing a check out to me 30 to 60 business days never received a check. He didn't tell me the reason it was being flagged, I asked why cant I just pick up the check from the branch why do I neeed to wait I want my funds. You need to wait for the check 30 to 60 days I then hang up go in to the branch THIS IS WHERE IT GETS CRAZY.
My money has been transferred to the federal back office at citibank investigating it. they do not have a number and they did not contact me the fraud department at Citibank that the money is going to be held. My money isn't even with citibank anymore, it is with the federal government. They locked me out of the account. Cant see anything.
Nobody has contacted me to get more information, or proof that it is my money. Nobody has investigated. They just decided that's not her money ''. And gave it to the mother f*cking government. Or they stalled it and blamed it on the government.
I spoke to my financial advisor and he told me. I got in to a vary bad accident I needed emergency XXXX. By back its was broken emergency XXXX has to take place I need XXXX titanium rods and XXXX screws. My all my Insurance did not get paid because they Close my account with all my money. They destroyed my life. Credit is destroyed my bills over the top. its a real nightmare 7 months now. Since XXXX now XXXX She called the bank told them to transfer back all the money. To me or her. if theyre will not return it to me. My friends AUD bank branch has contacted them through email several times. Letting them know that its my money to release it to me. They lie and say 100 different stories. Please help me I cant afford this and I do not deserve this. I want my money it belongs to me XXXX Citibank needs to be held accountable. This is not legal.
|
| 10/23/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
Older American |
|
XX/XX/2016, my credit card, which had a travel warning and which I have been using when I am in XXXX, for the past 5.5 years was blocked for a {$7.00} purchase, at XXXX XXXX. It was a customary monthly charge and my balance was no more than {$100.00} out of {$2500.00} available.
I thought the problem was with XXXX and proceeded to hire a cab to go grocery shopping. Having spent 1.5 hours in the store and unloaded the card at the cash register, I faced another charge decline. Since it is not safe to walk around with cash in XXXX, I had only {$10.00} and could buy nothing. And so I hired a taxi and went home with no food. The taxi cost me {$12.00}, the whole enterprise 3.5 hrs of wasted time.
Having arrived home, I discovered an email from Citi, asking me to confirm that the declined purchase was mine. I did as requested, got a message that my card was unblocked. Then I received a phone message, asking me to call Citi Fraud Department. I did, but the automatic system refused to recognize the case number given to me again and again, and again. And it gave no such an option as talking to a human being. I wrote Citi. As usual, received a promise that somebody would contact me. I wrote to a contact person at the Executive Office - XXXX XXXX, who has been as unhelpful as anybody can imagine and then some more. As usual, there arrived her encrypted reply XXXX we are writing to confirm that we received your recent concern XXXX No indication of what concern or when it will be addressed, no understanding of the fact that a cc blocked in a foreign country is an emergency. No surprise either.
XX/XX/2016 XXXX XXXX replied to another XXXX recent concern XXXX a few month old in reality, which she has refused to grasp - a dispute, in whose resolution Citi refused to follow their own dispute procedures. Since XXXX XXXX and other Executive Office employees refuse to separate issues and even accounts, this complaint has a lot of evidence for the dispute incorrectly resolved, about which I filed a separate complaint.
For the next 10 days, I had been writing to XXXX XXXX, Citi Cards CEO, explaining, pleading for help, demanding help I have written messages on the so called secure boards, I emailed and faxed to XXXX XXXX and to XXXX XXXX, whom I inferred to be the person in charge of the SD Executive Office ( my inference stemming from the fact of another protracted conundrum that was finally resolved by her ). And wasted many hours of my time and over {$100.00} in phone bills on trying to unblock the card. Citi customer service kept telling me either that my card has no problem, or that they passed my message to the Executive Office. No replies from XXXX XXXX, until XX/XX/2016. No replies from XXXX XXXX until Friday XX/XX/2016, but XXXX XXXX 's empty reply - we are working on your recent concern -was not about the Simplicity card, with which the present complaint is concerned.
The record of my written attempts is attached to this complaint along with some responses I received on the secure message boards, one of which acknowledged, post factum, that the problems of my card decline stemmed from the fact of my travel warning being lost/discarded/not noticed by the system. It was not the first time that Citi was having computer problems, nor the first time that they refused to listen and to escalate the problem to the people who could resolve it. A few empty replies that I received from Citi can not be quoted, because Citi does its very best not to permit any records into the open. They encrypt even such idiocy as XXXX we have received your recent concerns and are working on them XXXX
Have received no replies of any kind from Fraud Department, no phone number to speak with somebody in the Fraud Department. Spend hours on the phone, trying to reach the person in charge of the Fraud Department in the USA. PLEASE SEE FULL ACCOUNT ATTACHED
|
| 08/19/2015 |
Yes |
|
|
|
Web |
|
|
I am no longer receiving a 30-day grace period on any new charges on my Citibank credit card. I took out a {$10000.00} 0 % promotional cash advance and I have always paid the minimum due plus all the new account charges.
I have proven this to Citi on the phone and via chat, but nobody seems to be able to help me. Their own credit terms state " Amounts in excess of the minimum due are applied to balances with higher APRs before balances with lower APRs '' However, the representative keeps telling me " When you use your card to make a purchase at an Annual Percentage Rate higher than 0.00 % while carrying a 0.00 % promotional balance, any purchase that you make is subject to interest charges even if they are paid in full on that statement. ".
All charges are subject to a Grace Period, unless new charges are n't paid in full ( which never happened ), From Citi.com " Grace Period on Purchases. You can avoid interest charges on purchases, but not on balance transfers and cash advances. This is called a grace period on purchases. The grace period is at least 23 days. To get a grace period on purchases, you must pay the New Balance in full by the due date every billing period. If you do not, you will not get a grace period until you pay the New Balance in full for XXXX billing periods in a row. Certain balance transfer offers may take away the grace period on purchases. If that is the case, the balance transfer offer will describe what happens. " According to my balance transfer offer, there was a term stating " If you transfer a balance with this offer, interest will be charged on purchases made with your credit card, unless your purchases have a 0 % APR, or you pay the entire balance ( including any transferred balances ) in full each month by the payment due date. " I have gone back and forth with online customer care " XXXX '' as well as telephone agents, but nobody seems to understand the issue, nor is able to help. I will attach the latest chat log -- it is a joke. I clearly ask a question like " and I get simple canned responses, like " Please advise me of what billing cycle the minimum payment plus new charges was not satisfied to cause me to lose my Grace Period? Why am I no longer receiving a Grace Period on my New Transactions? '' and I get back " When your balance is not paid in full by the due date ( including any promotional balances ) your account is subject to Interest charges. Once you have paid your account in full by the payment due date for XXXX consecutive months, you may again take advantage of the 20-25 day grace period. " To summarize my last XXXX billing cycles to prove everything has been paid in full and on time, I have included details below : XXXX Statement - Generated XXXX XXXX, Due XXXX XXXXPrev Bal XXXX New Purchases were XXXX, Payment of XXXX, leaving XXXXXXXXCRXXXX Statement - Generated XXXX XXXX, Due XXXX XXXXRefund of XXXX processed, XXXX cash advance, XXXX new charges and XXXX fee for cash advance -- minimum payment was XXXX, amount paid was XXXX on XXXX/XXXX Statement - Generated XXXX XXXX, Due XXXX XXXXMinimum Payment Due was XXXX, new charges of XXXX, paid XXXX on XXXX XXXX Statement - Generated XXXX XXXX, Due XXXX XXXX * Interest of {$1.00} includedMinimum payment of XXXX, New charges of XXXX, Paid XXXX on XXXX XXXX Statement - Generated on XXXX XXXX, Due XXXX XXXX *Minimum interest Charge of $ XXXXXXXXMinimum Due XXXX, New Charges of XXXX, Payment of XXXX by XXXX Statement - Generated XXXX XXXX, Due XXXX XXXX * Interest of XXXX includedMinimum Due XXXX, new charges of XXXX, paid XXXX by XXXX Statement - Generated XXXX XXXX, Due XXXX XXXX *interest $ XXXXXXXXMinimum Due, XXXX new charges of XXXX paid {$2000.00} so far ( XXXX ) As you can see by the above, every minimum payment was always paid and ALL new charges were always paid, there is no reason that I 'm not entitled Grace period.
|
| 06/25/2015 |
Yes |
|
|
|
Web |
|
|
I purchased a computer from the Best Buy Store on XX/XX/XXXX at the XXXX Mall, in XXXX, New York for a total price of {$970.00}. During this time i was persuaded from their sales men to open up a Best Buy " rewardzone ' credit card and by doing so i would gain reward points. Believing this would be to my advantage i agreed to applied and i was tolded i would receive my new card in the mail. Immediately, they wasted no time sending me my XXXX bill statement in the mail. I started to make my monthly payment of {$73.00} per month which was way over the {$25.00} minimum payment ; however, i seemed to noticed i was n't making a dent and my " total balances '' were not decreasing XXXX bit because when i looked at the monthly statements i noticed high interest rates brought it up higher. So, i called the Best buy customer service and complain that my payments were not making a difference and these high interest rates are the cause. The customer service representative was very nice on the phone and suggested a solution by putting me on a " Promotion Allocation plan '' she said i can keep the same amount of monthly payment of {$73.00} which she said is definitely above the {$25.00} minimum payment and this should be sufficient enough to bring my total balance down as long as i keep these steady payments recurring monthly at {$73.00} per month. That was all the information that was relayed to me by this customer service representative nothing else was included or said to me by this person. Every month i sent in the steady payment of {$73.00} and did noticed i was finally seeing my balance decreasing from {$970.00}. Until XX/XX/XXXX, when i received a shocking Best Buy bill account statement stating : " Your Promotion Allocation plan has expired. The application of payments will now revert back to applying funds according to the terms and conditions of your account. To set up a new plan, please contact customer service ''. I was slammed with a interest charged of {$230.00} that brought my ( monthly hard work ) balance of {$520.00} which now jumped to {$680.00}. Totally shocked and confused and wondering what happened i called their customer service asking why are they slamming me like this and i was tolded because i did n't pay off my balance within allocated time limit. I asked, " What time limit? '' I was not informed of no time limit. They then asked me if i have the {$400.00} plus dollars available to pay it off? I said of course not. I am on a fixed income and can not afford to come up with that kind of amount of money. She had the nerve to ask me if i could borrow it? I said, " are you serious? ' Can they offer me a new set up plan which is stipulated on the account statement instructing me to what to do? They said sorry they have no new plan available. I said the statement says otherwise? They said not available at this time. I said i wish to speak with a manager then. They claimed they are a specialist and there is no one above them to speak to. I said is this how you treat long time, loyal customers leaving them in debt without offering no resolutions except trying to drain {$400.00} plus more dollars and keeping their customers trapped in debt. All you are to gain from this as a end result a destroyed creditability. This Best Buy credit services is a very, very misleading company with their " rewardzone '' advertising. Where is the reward? Where is the customer benefiting on this credit card? I see where they are benefiting by slamming and draining their loyal customers of their hard earned savings. This is totally uncalled for and unethical! I was absolutely deceived by a incompetent Best Buy employee and not properly informed at the time. As a result of this, i am a senior citizen on a fixed income and will never be able to manage these high interest charges and find myself at their mercy of a never ending cycle of debt.
|
| 11/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/22, I received a Fraud Alert text message allegedly from Citibank around XXXXXXXX XXXX XXXXXXXX, asking if I had authorized a ~ {$400.00} payment to XXXX XXXX XXXX. I replied no. I received a text from the same number that a representative would be calling me. Then someone called me, but their caller ID said " Potential Spam '' so I did not answer. However, they called about 5 times in a row, so I eventually answered. The man I spoke to said he was from Citibank and would be helping me with the fraudulent activity on my account. He gave me details about how the person had attempted to purchase something from XXXX, XXXX in XXXX, Georgia using my card. I asked how that was possible given I had my card on me. He said they had linked my card number to their XXXX XXXX and tried to use it that way. He had my name and address, and asked me security questions which I answered. He said he would help me put a hold on my account, cancel my existing debit card, and send me a new one. I said I was worried because the caller ID had warned me of potential spam, and he told me to XXXX the number, which I did. It came up as Citibank, and it was also the number on the back of my Citibank card : XXXX. When I said I was still concerned, he rattled off his employee number, told me he'd worked in the fraud department for 6 years, etc. etc. I didn't write his information down, which I regret now. He said he was putting a hold on my account, and cancelling my existing debit card. I insisted I needed a new card sent to me ASAP as I was traveling out of the country on Saturday. I also expressed my frustration that this was the second time in XXXX that my Citibank card had experienced fraudulent activity. He apologized and said there had been a security breach at Citibank and he was doing everything he could to help me secure my account. He asked me if I wanted to press charges, I said yes, and he said I would receive information in the mail regarding me new case. While I was on the phone with him, I received an email from Citibank saying that my application for a personal loan of {$15000.00} had been approved. I asked him what that was about since I had NOT applied for a loan. I was very suspicious, but he was quick to apologize and say that it was a mistake and that the person helping him secure my account had made a mistake. He said I needed to send the {$15000.00} back to his Citibank supervisor. While on the call, I received two more emails from Citibank. One that I was approved for sending wire transfers and another that said XXXX XXXX had been added as a payee on my account. I asked him who she was and how she'd been added to my account? He said he added her, that it was his supervisor, and that I needed to send her the money back to fix the loan error. He was pressuring me and since his number on the caller ID was the Citibank number, I believed him. My Citibank online account was being slow ( probably because he had hacked into it ), so he told me to wire the money using my mobile app, which I did. XXXX XXXX payee information said she was Supervisor XXXX. After we hung up, I knew something didn't feel right, and so I called Citibank to confirm I had been speaking to a real representative of the company and that he indeed had been securing my account. I soon learned that he had completely scammed me. And I proceeded to file fraud claims with the checking department, loan department and wire transfer department at Citibank who are working on the case now. The scammer has since texted me again, asking about whether I authorized a {$15000.00} wire transfer, but the case # referenced was not correct, and I have not responded. He also called me XXXX times the morning of XX/XX/22 and I did not answer, and he later called me 2 times in the afternoon after which I blocked him but I'm concerned I blocked Citibank since it is their number.
|
| 04/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
XXXX USA XXXX CitiBank started once again delegating transactions from history. Contacted CitiBank and the supervisor XXXX answered line and went Inaudible.
Fraud Department stated that is a worker at the XXXX XXXX, branch that is deleting transactions from my account, named XXXX.
They reported her to Citibank and requested her removal from the company/Unauthorized access to account.
XXXXXXXX XXXX USA XXXX XXXX XXXX stated that " everyone has to wait for XXXX account to update! We delete the transactions, Just wait for the Batch process ACCESS update! I stole your card yes! '' Although, Fraud Department stated that the information for 'batch Access update ' is incorrect. As per Fraud Department, " transactions should not be deleted for an update, workers at CITIBANK are removing transactions to the account, thus most customers have to call repeatedly -- -we received all your complaints to consumer finance -- -what is being done is illegal, we informed CEO at CITIBANK. '' Fraud Department Requested that CEO remove all workers and XXXX that are participating in this XXXX ' overhaul of banks -- -but he/she/CEO failed to do so.
XXXX XXXX XXXX XXXX XXXX USA XXXX Contacting CitiBank for erased transactions on my account.
Automated stated " Dont you know we USE you! We USE your account -- -- It's XXXX AGAIN! '' XXXX -- - access to to CitiBank account!
XXXX XXXX picked up the line calling herself XXXX!
Refund from Home Depot was also erased from transaction history.
XXXXXXXX XXXX USA XXXX Contacting CitiBank for erased transactions on my account.
Automated stated " Dont you know we USE you! We USE your account -- -- It's XXXX AGAIN! '' XXXX -- - access to to CitiBank account!
XXXX XXXX picked up the line calling herself XXXX!
Refund from Home Depot was also erased from transaction history.
XXXX XXXX USA XXXX Representative stated with XXXX under tone to voice " they caught the original XXXX XXXX, she was helping us! We put her voice in all our calls instead of ours.
Had to contact CitiBank again -- -reprsentative disregard automated information entered and just proceed to request card numbers and pins to access account information -- XXXXCitibank stated that once information is entered at automated no other information should be requested.
XXXX XXXX ' is a code word used by XXXX members and is timed during the day -- -thus everyone hears it and they can move into territory -- -its uttered with the voice of XXXX member XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX could be heard chuckling while the representative ( b ) XXXX answered the call as a supervisor for CitiBank XXXX
XXXX did not HAVE access to the screen online information after social security information was entered.
XXXX XXXX answered the call using an XXXX under tone to voice. XXXX did not have access to account, transfered the call as she pretended to use a computer.
XXXX stated that have to check DNA for all the CitiBank imposters they caught!
XXXX XXXX XXXX picked up the line and continue the charade requesting pins, card numbers and other account information and forwarding information entered at automated such as social security number and pin.
XXXX Citibank worker XXXX had access to account after providing social security number and pin to automated. XXXX asked if my transactions were disputed : I XXXX XXXXXXXX XXXX XXXX. answered NO, they are everyday transactions!.
XXXX stated " let me review your account! '' And call was dropped!
XXXXXXXX XXXX Worker in background " XXXX you do not need the account number and card number once the customer gives automated their social security number. XXXX because of you they are going to close CitiBank! '' XXXXXXXX XXXX Client Relations XXXX XXXXXXXX continue stating " I want the card number to access the account ... .transfer the call... it's going to be the same... it's going to be the SAME! '' XXXX XXXX XXXX
|
| 12/20/2018 |
No |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have found when trying to transfer funds online between accounts that Citibank has frozen a savings account with an approximate balance of {$13000.00} as of XX/XX/18. This is my trust account, and is a money market savings account. The bank is Citibank. The account was opened in Florida in XX/XX/2007. Citibank has had all my trust documents in their possession since XX/XX/2007. I was told I had to call the XXXX department, and at my first call I was not told the name of the department or what the letters stood for. I was told my account was frozen because I was sent a letter and I did not respond. I never received any letters from Citibank regarding a department called XXXX. I spend a few hours on the phone with this department trying to understand the information that was requested and felt very uncomfortable answering these very personal and financial questions on the phone and asked if I could go to my local branch to answer them and was told yes. I went to my local branch, in XXXX XXXX on XXXX Road yesterday and was assisted by XXXX XXXX. I spent over an hour at the branch. I brought all my trust documents again so they could be copied and forwarded to the XXXX branch. I spent almost an hour on the phone answering questions. These were very inappropriate. I was asked to NAME NAMES of people that were involved in a business my husband sold in XX/XX/2007. I was asked for the percentage amounts that other people owned in this business. I was asked about my father, who is deceased. None of this pertains to my personal trust account at Citibank. I tried to explain that we are retired. I tried to explain that the source of most of my funds, those that comprise over 25 %, are from the sale of the business in XX/XX/2007. This did not seem to be enough. I was told that I would hear back from Citibank by XXXX of that day. I did not. I called the XXXX department again. I was told I could not speak with any supervisor in the entire department because each and every single one was in a meeting. I was promised a callback in 2 hours. I received no callback. I called Citibank again and was told I needed to contact a banker in XXXX. I called and it is not even possible to live a message. I emailed this banker. Her name is XXXX XXXX. I was able to reach her this morning and asked her to please step in and try to help. She advised me that she can speak to the XXXX department but can not unfreeze the account. I have repeatedly asked for the direct report above XXXX to make a complaint and get results. No one can even tell me a name or department that XXXX reports to, including many calls to customer service. It is the week before XXXX, it is also the end of a month and year. I need to access these funds. I have been with Citibank for many many years. I have had this account with Citibank for over 10 years. This account really has very little activity and does not have substantial sums of money transferred in and out. There is much more activity in my checking account. I have been a Citigold customer for years. It is unconscionable to be asked questions regarding other people. This is not XXXX XXXX, nor the XX/XX/1950 XXXX XXXX era. I understand it is necessary to protect against money laundering. The questioning needs to be adjusted. The person I spoke with in this department on more than one occasion had very little training. The people I spoke with did not understand some of the questions they asked, let alone my answers. They did not have any financial background and did not understand basic financial terminology. It is extremely frustrating. I wish to have this account unfrozen in a timely manner. What safeguards for the public are in place to assist when banks go beyond their mandate for security? Please advise as to what other steps I may take to have this issue resolved as soon as possible. Thank you, XXXX XXXX XXXX, XXXX XXXX
|
| 04/13/2016 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
Older American |
|
Complaint : Unknown un requested and un explained Monthly Charge ( {$80.00} ), Interest Rate of $ 25 %.
I had had a Citibank Credit card. I started using about 2009. I used the card primarily for travel and some construction. I was XXXX five years ago ( see Exhibit # XXXX. I have n't used it in about 2-3 years. I made Monthly by mail then change to there on line APP exhibit # XXXX. There is no transaction data on the billing after APP. Since I had n't used the card frequently I dismissed the transaction listing as a lack of use. I accepted their security service when I started the on-line APP Exhibit # XXXX. The monthly charge is {$12.00}. The security app is not shown in on-line APP. However, I get a quarterly statement about security of my account.
Two months ago I made a payment online as usual. The following week I got a call from Citibank stating that I had missed a payment. I had always paid the account on time, never missed a payment. I checked checking account immediately and no money had been with drawn from my account. I re-submitted payment immediately. I turned out that the on-line app did not execute on their end. All I received was some type fo from which I did not fill out. It was called " Payment Safeguard. '' I did n't see any mention of a product. I later get a statement stating that I was enrolled ( Exhibit # XXXX. ) I asked about the interest rate often, It has always been 25 %. I tolerate this obscene rate because I intend to pay off all my debt now that my health has been stable.
I realized my core debt had n't decreased even though I had been paying above the minimum. I called Citibank customer service. I request a copy of monthly statements for the previous year. Citibank customer service stated they could only sent me the Last three months, and that I would get them in about three weeks. Three transaction sheets show up with the security charge of {$12.00}, but also a charge of {$80.00}. I called Citibank immediately asking the reason for the {$80.00} charge. I did not get a answer that I could understand. The end point was that I had stated the Safe Guard service by signing a coupon offering the service. I my anger by this time I asked that they send me a copy. They did in about a week ( Exhibit # XXXX. ) The lower image is a copy of the coupon Citibank says I signed, never happened. I suspected a forgery, that 's what I found.
Having been in XXXX several year at XXXX, I was well aware of clear plastic Millar forgery. The upper image in Exhibit # XXXX is a carbon copy from my check book before I started using the on line APP.
However, seeing the date of the supposed start of safe Guard I could only say " WOW. '' I was in my forth year of being XXXX from a fall, so they owed me. They did, and to send my medical records for the time period ( Exhibit # XXXX, ) I did. Never hear or been able to call any part of Citibank since.
It appears that in my case and in The wife 's case with CFPB most of the rules where broken. Citibank put both of what they claim as our debt in the credit reports as bad debt. We both had credit with stores and gas cards closed having never been late or delinquent. Now we are being foreclosed on our home. We lost XXXX % of our retirement. We had cash flow problems but we manage with agreement with the better humans and will be OK even though we are in our twilight years of XXXX and XXXX. My wife 's CFPB case number : XXXX. Oh Citibank, your welcome for this XXXX XXXX XXXX XXXX, 4 years and 10 years of XXXX and XXXX XXXX XXXX.
In addition retirement lost we have lost our home. It is up for a short sale now. A lost of about {$200000.00}. The hassle of a move at our age probably means death to one or both of use. I believe Citibank 's should be looked at in terms of Racketeering, It looks and acts like organized crime and has appeared as a real evil, or as the XXXX
|
| 01/05/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
Hi My name is XXXX XXXX.
I`m going through nightmare because of Citibank and their unprofessional customer service.
I have Citibank checking account where I was keeping my life savings.I have another checking account with XXXX XXXX where I do my banking and pay my bills.I use this Citibank checking account as saving.I was trusting Citibank and keeping my savings what I have earned in their bank, since they offer me free checking account.Since I was not using that account very often and I had paperless statement I was not constantly aware what is going on in my account.i just was trusting Citibank and would never think that they will let me go through this nightmare what I`m going through now.
One day when my father passed away few months ago and I needed to take money from my account because I had expenses to cover i called my Citibank checking account to check my balance and also find out how much they charge to transfer money to my home country Armenia.When i called first I got surprised when automatic service told me that I have there few hundred dollar available balance, because I knew that I have there around XXXX $ dollar.Then I got little nervous and asked for life representative.
When I spoke to life rep and asked her where is my money, she told me that the records indicate that I wrote a check for XXXX $ to someone.I got really surprised, upset and frustrated at the same time at that moment, because first of all I never wrote any check to anyone from that account and second of all from the day when I opened that account I never had any checks on that account.I never ordered checkbook.Anyway eventually we find out that I`m a victim of identity theft.There is forgery check and fraudulent activities on my account.At that moment I was in terrible situation, since my father just passed away and I had to go through this everything also.They told me not to worry about this, since I have nothing to do with it, and just go to Citibank branch the next day to close this account and open new one.They also opened the dispute for this transactions, and they promise me to issue conditional credit so I can cover my expenses.Within next few days we did everything what they ask and also sent affidavit of Forgery.
After almost 2 months I receive letter from Citibank with some none sense unprofessional explanation.That letter says that they denying the reimbursement since the interval between you first notified of the transaction and the date you finally informed Citibank exceeded 30 days.They also mention that Client Manual stated that information, which is false statement.We have client manual and next to that 30 days notice requirement there is highlighted note, that forgery endorsements are exceptions.You can not control identity theft or when you will become a victim.It does not make any sense.
Anyway after we receive that letter we called Citi bank several times.Every time we speak to them they politely apologizing and saying something different.One of the reps even told us that they deny the case because they never received the affidavit form.We have tried in 3 different occasions to reopen the case and even done the affidavit in their branch, but even that did not helped.Now they told me that they will again open the investigation, but I don`t trust them anymore.That`s why I need your help.
I`m old woman with lots of health problems.And I`m going through nightmare this passed 3 months because of them.We told them many times.Why you never called me to verify such a large transaction before granting it, where is your security??? Why I have to go through all this because of you unprofessional act? In one day I lost all my life savings.
Please help me to get my money back.
This is USA and in this country no one can treat consumers and tax payers like that.
They disrespecting us and discriminating without any reason.
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| 12/02/2016 |
No |
- Bank account or service
- Checking account
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Web |
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I have been a loyal customer of Citibank, and a Citigold member for years. On XXXX XXXX, funds in several of my accounts had been frozen, due to a name mismatch of the payee. The initial instructions given by the XXXX representative who contacted me were not accurate, as they asked me to bring a co-signor to the branch. The next morning, upon our arrival, I was told that my business partner could not co-sign because my account is frozen. If this was the case, why was this even presented as a solution to rectify the situation? My partner spent a workday in the bank with me and was n't even needed or able to assist in a viable solution. On XXXX/XXXX/16, after much time and effort, due to having to acquire a notarized affidavit, he completed and faxed an affidavit and was told that it would be resolved between 24-48 hours. As of XXXX XXXX, my account is still frozen. XXXX does not accept calls, and employees I contacted were increasingly rude and unhelpful, I resorted to tweeting XXXX, who discovered that the details from the fax were too dark to read. I do not understand why this was not communicated in a timely manner and that I had to inquire after waiting an extended period of time. Clearly, faxing is not the best way to send this information- they should have provided other options to send the affidavit and ensure a timely resolution. I now know that payments that came into my account had more than one name attached to them, and that to access my funds I will need each of these other persons to sign and send an affidavit. This is not a viable solution as the nature of my business makes this a nearly impossible feat. Because the bank allowed this to continue without issue for many months I was unaware there was an issue. I work with individuals across the United States and with many, I do not have a personal relationship simply a business relationship or contact. Obtaining an affidavit from each individual would be an enormous undertaking as these affidavits would have to be completed during regular business hours, due to the notarization requirement, and no compensation for the loss of time is available.
I hold the opinion that I should have been privy to this information from the start. Since I previously had no issue with receiving payment in this manner for months, I had absolutely no idea what was happening, nor did I suspect that the outcome would leave me unable to access my funds, not only my earnings but those used to pay necessary associated business and living expenses. This is a systematic error and to freeze so many months of repeated payments at the click of a button, is unfair to the client especially when there is no viable solution and the institution is inflexible. This is a contrived issue as no court order was issued, no judgment rendered, nor fraud reported by any of the other named payees. I should have been told of any issues with my account from day one! As of the date of this complaint, the account is still frozen. I am both incredibly frustrated with the system, as well as with the staff of Citibank. On a number of occasions, the staff of Citibank was rude and provided misinformation in regard to courses of action. They repeatedly encouraged me to admit culpability for a situation that they created due to speculation instead of facts. Their conduct has made this terrible experience even worse. In many instances I had to call them, go into the bank, and go on twitter just to find out that there were problems that they had n't told me. I do not know when or if my account will be unfrozen, and can not access any of the money I 've worked so incredibly hard for. Their behavior is not only unethical but unconscionable and I respectfully request an investigation into their conduct and that you advocate for the rights of consumers like myself who have their money held hostage without sound reason
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| 07/08/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I signed up for a new Citigold bank account with Citibank, N.A., pursuant to a promotion offering XXXX XXXX XXXX Aadvantage miles. The promotional code is XXXX. At some point in either XXXX or early XXXX, XXXX, I applied online for this account and used the aforementioned promotional code. I was approved for the account, without any mention of any issues existing with my eligibility for the promotion. On XXXX XXXX, XXXX, I sought confirmation of my completion of the promotional terms in writing from Citi by way of secure message ( all secure messages referenced are attached and offered as evidence in support of this formal complaint ). The next day, on XXXX XXXX, XXXX, I received a response from Citi representative XXXX XXXX XXXX, who stated, in pertinent part, that all promotions will differ and are targeted to specific account holders at different times, and if I was not targeted I will not qualify for the promotion. In the very next sentence, XXXX XXXX stated, " Our ( Citi 's ) records confirm that your account met all requirements for promotion code XXXX. The AAdvantage bonus miles will be credited by Citibank to your AAdavantage account within 90 calendar days from the date when you completed all offer requirements. Please keep in mind this waiting period is standard for all promotions and can not be waived. After your 90 day waiting period is complete or by XXXX/XXXX/XXXX, the bonus miles will be applied at the end of the next statement billing cycle, which will be no later than the end of the XXXX XXXX statement. '' As the boilerplate language in the message about Citi 's general methods of targeting only certain account holders was immediately followed by a direct, unconditional statement that Citi 's records confirm my account met all requirements, and even providing the time when I should expect them, I was reasonably assured that I would receive the miles.
Secure in the knowledge that I had " met all the requirements '' and that my miles " will be credited '' after the 90 day waiting period, I waited. After the expiry of the 90 day waiting period on XXXX XXXX, XXXX came and went without the promised miles posting to my AAdvantage account, I again inquired via secure message as to the status of the miles on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received a reply from Citi representative XXXX XXXX, stating that I would not be given the miles, and that " the promotion was not offered in conjunction with the opening of my account ... '' and " ( they ) have determined that ( I ) am not eligible for the promotional incentives. '' The message attempted to use the prior message from Citi representative XXXX as support for this new position, referring to the language regarding all promotions differing and being targeted to specific account holders.
In summation, I ( 1 ) applied with and was successfully approved for a bank account with this promo code, ( 2 ) subsequently went out of my way to secure verification from the bank that I had complied with the terms of the promotion and would receive the miles, and ( 3 ) was, in fact, granted this assurance. Only after waiting three whole months and paying the associated account fees am told that I wo n't be getting the offer. These practices appear to be bait and switch. Citi contends I was ineligible prior to even applying for the account ( which I dispute ). Assuming Citi 's position to be true, they could have either rejected my application with the inapplicable promo code, or should have told me back in their XXXX writing to me that I was ineligible instead of telling me that I had completed " all the requirements '' and that " the miles will be credited within 90 days. '' If Citi, with all of its technology and resources, is unable to determine whether I was targeted when I inquired back in XXXX or XXXX, how am I supposed to know? This is misleading and unfair.
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| 08/27/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Dear CFPB, Over the past year I have made multiple complaints to the CFPB regarding unlawful activity by loan servicer CitiMortgage. I am disappointed that the CFPB has failed to take action despite blatant disregard for the law.
Most recently, CitiMortgage sold my home while I was protected by a Chapter XXXX bankruptcy filing ( and still am ). To date, they have not rescinded the sale of my home and have flagrantly abused the bankruptcy rules.
At the time that the foreclosure sale was conducted on XX/XX/XXXX, CitiMortgage failed to comply with the XX/XX/XXXX Real Estate Settlement Procedures Act ( Regulation X ) and Truth in Lending Act ( Regulation Z ) Mortgage Servicing Final Rules.
Although the coborrower assosciated with this loan has excellent credit and excellent wages, CitiMortgage has REFUSED to assist us. Beginning XX/XX/XXXX I requested the name of the creditor, the amount due, the date of default, the location of the note and any assignments so that I could validate/verify the debt. CitiMortgage refused to comply.
Although CitiMortgage would have been paid in FULL- CitiMortgage REFUSED to provide accurate payoff amounts ( XXXX conflicting amounts ), refused to reveal the date of default, refused to provide the location of the note so we could review the note, and refused to provide the name of the creditor ( XXXX is not a creditor under TILA ). We had the option to sell our home if good title could be assured, could have refinanced the mortgage or paid off the mortgage in full. CitiMortgage stonewalled our attempts to do so. Furthermore, CitiMortgage claimed they would provide reinstatement numbers but failed to do so.
Interestingly, CitiMortgage pursued foreclosure. In doing so, XXXX ( the guarantor ) received fewer proceeds because of the actions of CitiMortgage. The house sold at auction for XXXX whereas, we were willing to refinance or reinstate for a minimum of XXXX. Therefore, CitiMortgage 's actions resulted in XXXX less than they would have received had CitiMortgage had worked with us to satisfy any debt.
Prior complaints I have filed include : * a revoked traditional ( in-house ) loan modification that was revoked without reason after I made the three timely payments in violation of the TARP agreement. I provided the 'approved repayment plan ' documents. CitiMortgage claimed that XXXX would not approve the modification but an inhouse modification does not require Fannie Mae approval.
*CitiMortgage held our modifications in a suspense account for XXXX years instead of applying the funds to our account in violation of Regulation X. When I asked for these payments back after XXXX years, I was told that they had applied them to my account. These payments were made to modify a loan and should have been returned upon refusal to modify loan.
*In violation of Regulation X, CitiMortgage has refused to follow good customer policies. I requested assistance XXXX XXXX to pay off any debt. Instead of assisting me to satisfy any debt, CitiMortgage engaged in poor customer service policies including stonewalling.
Under Regulation X I had a right to obtain : the date the loan became delinquent, the creditor, an accurate payoff amount, and good customer service.
It has now been over XXXX years since I made my last loan modification payment to CitiMortgage.
Other issues we have had over the duration of this loan include : * CitiMortgage filed XXXX false proof of claims in my prior bankruptcy claiming they were the lender when they were only a servicer. The submission of fraudulent claims holds up to a {$500000.00} violation per incident.
*CitiMortgage filed legal documents claiming to be the lender/creditor in court documents when they were merely a loan servicer.
*CitiMortgage claims to have acquired the loan by merger when CitiMortgage merely acquired servicing rights for the underlying mortgage note.
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| 02/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Older American |
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This complaint is for Citibank and affiliated with its Costco Visa Card by Citi. This is the most difficult time of my life : I am old, with many serious health problems, alone, without money and on fixed income.
I needed money for myself and my family. Old people and sick people are inclined to believe that there are also people in our society that are ready to help. And very soon, in XX/XX/2020, a person who was taking care of the less fortunate, appeared and offered me financial help - a big winning check from XXXX XXXX XXXX that could solve my problems. But there was a catch : I have to pay a fee to get the check delivered. The check was going to be delivered at the beginning of XXXX, then, the end of XXXX, end of XXXX and finally it was never delivered. However, the requirement for the money I had to provide never ended. First, this individual used up the money in my Bank account, when it finished, I had to take a {$25000.00} loan from Citibank and send it to him. After 6 months I was a sick, old and poor woman. Then, I had to withdraw my money outside Citibank : my savings and IRA accounts. Because this was not enough, he took my credit cards and charged them to the top to make " more money ''. I insisted that he had to pay his debt and return immediately the cards but he didn't return them, nor he paid what he had bought, as he promised. The charges were done in XXXX, with XXXX currency and had a certain profile - building material. The person who bought the building materials was using hotels, restaurants and bars in XXXX. Because the card remained with him for more than 6 months, were not returned and I did not have any idea of what he was going to buy, my interpretation is that the card was stolen and used for fraudulent activity, something Citibank didn't recognize.
The system of Citibank is good to serve the bank but not the customers. When my money finished, Citibank closed my account without any warning on XX/XX/2020 and almost immediately after that my on-line access. My accounts were paperless and as a result of this all needed for me information seized : activity in checking and other accounts. I was completely helpless. For a month I was calling all possible telephones of Citibank to clarify the situation but I was being transferred from one telephone to another, to a third and so on until my conversation was discontinued. I wrote a letter to Citibank on XXXX to explain the situation. No answer. Finally, due to two exceptionally kind people I collected the necessary statements but understood pretty soon that Citibank has ordered collection of debt on my loans and credit cards. This was the last thing I expected from Citibank.
Let me explain to you the situation : My last purchase from Costco was in XXXX, 2020 and I paid the balance of {$2100.00} in XXXX. I didn't purchase anything after that. The following purchases done with my Costco credit card were done by the scammer in XXXX. This individual first robbed me, took all my money from my bank, my savings account and IRA accounts then took my credit card and never returned it or paid off his Jamaican purchases.
As the XXXX statement shows, he owes {$8600.00} to Costco credit card. If he paid meanwhile something, it was to be able to charge the card again.
At the end of XXXX, I wrote a letter to Citibank credit cards. However, I did not get an answer from them. I understood that the credit card companies didn't get my letter either. All Citibank did was to enforce collection of debt on my credit accounts. Nobody asked me any questions. I was on paperless billing and my on-line account was closed in XXXX. I asked for the statements since then but received them with delay. For a month I am calling Citibank to clarify the situation but I am being transferred from one telephone to another, to a third and so on until my conversation is discontinued.
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| 02/02/2017 |
Yes |
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Web |
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Back in XX/XX/XXXX I noticed a renewal charge for an XXXX when I received by card statement. I contacted my Best Buy Card ( Citibank ) and notified them that I no longer had the computer and needed the charge removed from my card. I went through the steps of being sent to the XXXX to have the situation handled ( I am not sure if this is a confirmation number or employee number XXXX ). Then on XXXX, I had to call back again because the charge had not been taken off of my card. Again I went through the steps of speaking to Citibank and then to the XXXX and was given the dispute # XXXX and was reassured it would be handled in XXXX to XXXX days.
On XX/XX/XXXX, I had to call again because I noticed that the charge was still on my statement and now had several late fees. I called again irritated. During the first call I was contacted to a supervisor named XXXX who hung up on me. I admit to being loud on the phone and expressed my frustration but did not cuss or disrespect him in anyway to warrant being hung up on. I called back again, this time speaking much calmer and explained to XXXX XXXX XXXX XXXX about the situation. She repeatedly told me that I had to take the issue up with the XXXX and attempted to forward a call to them ; which ended in a dial tone and hung up. I then had to call in a XXXX time ( keep in mind, each time I am stuck on an automated system pushing me to make a payment over the phone and having to go through several prompts before getting to a representative. The prompt to get to the main menu is extended because of the past due account and is similar to going through the system XXXX before getting to a person ). This time I was connected to XXXX ( XXXX ) who again started by telling me that I needed to take my issue up with the XXXX because they are a XXXX party. He then transferred me to XXXX XXXX XXXX XXXX, who given my elevated frustration was able to find that I had called all of these previous times and that the situation had not been handled. She stayed on the line with me and resolved that the XXXX had credited an old account number rather than the new account number. She stated that the issue would be resolved in XXXX to XXXX days. She stated that the XXXX representative was named XXXX and the case # XXXX. She also stated that even after this was refunded I would still have a balance of a few cents and would either have to pay that or call the XXXX XXXX and have them remove those charges. Before all of this my Balance was a standing {$0.00}. I expressed by frustration for having to spend more time going through a series of additional phone calls but agreed.
On XX/XX/XXXX XXXX & XXXX, I started receiving phone calls from Citibank ( from an automated system ) that my account is still past due. I called them again. The account still has not been credited and they stated they could not stop the phone calls without either stopping ALL phone calls on the account or I could call back and have them started after the situation is handled. My frustration stems from the following : 1 ) the numerous phone calls, time, energy and frustration that I have endured to handle this simple situation ( We are on month XXXX ).
2 ) the numerous XXXX parties that have effect on my account and countless people that I have had to call and contact to handle this simple situation ( even after my account is credited, I still have to contact the XXXX XXXX ). If Citibank, BestBuy/XXXX, and the XXXX XXXX are all collaborating then why do I have to speak to each XXXX separately to handle the same dispute? Do they not speak to each other?
3 ) In no way will I be compensated for my mistreatment in this situation other than my balance hopefully being returned to {$0.00} ; other than cancelling their card when this is over. However, if the roles were reversed I would have fees, loss of privileges, and penalties placed on me.
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| 11/16/2016 |
Yes |
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Web |
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I am disputing the late reporting 's on my credit report from Citi Bank. These reporting 's should not be listed on my credit because this is an error that Citi Bank has made, in not sending me a bill in the mail and if they were not sending me a bill, I should not be held liable for not making the payments on time. Here is my account of what has occurred, with a little bit of backstory : I started my own business. I opened a Citi Credit Card to purchase a few small items that I needed, since the card had a no APR for, I believe it was XXXX or 18 months. My wife handles all the bills, so as the bills came in the mail, she wrote a check and put it in the mail for the payment. As anyone now days does, we receive tons of bills in the mail and neither of us has a list somewhere of what bills come in and which ones have been paid for the month. We are under the assumption that if a company wants to be paid, they will send us a statement/bill in the mail so that we know that they need to be paid.
So when we stopped receiving the Citi Card statement/bills in the mail, neither of us noticed. And at this point in time, I had not set up an online account for my card. I had no need to. I only planned on my wife making the payments thought the mail as the statements arrived. So the only method of payment I had was to receive the statement/bill in the mail and send in the bill with a check.
I would also like to point out that I said that I had recently started by own business and when I applied for a business license apparently my phone number was then listed EVERYWHERE for whomever wanted to call and try to sell me things. So my phone started ringing multiple times an hour ( as early as XXXX to XXXX and XXXX at night ). Since my small business was just myself and the phone number listed was my personal number, I did not have time to answer all of these phone calls and listen to someone give me a sales pitch for XXXX minutes about whatever water services, graphic design services, or other service that they wanted me to pay them for.
So I stopped answering my phone completely, unless the person calling was in my phone book and I saw their name on my phone. At that point I was still listening to the voice mails, but then after I had over XXXX in a one week period I started just deleting them without listening to them. It was too much and I did not know how to get people to stop calling me. One night a number had called me multiple times and it was at like XXXX at night and it upset my wife, so she answered the phone. It was an automated service calling to say that my Citi Card was overdue and I needed to call them as soon as possible.
My wife and I were so confused. I tried to call the number back, but after being on hold over 30 minutes, I hung up. I talked with my wife and she said that she honestly could not remember the last time that a bill had come in for the Citi Card and she said that she honestly did not even think about it. She said that she did not even realize it until now. But she did say that I still received a Citi Card credit card offer in the mail at least once a week that she shreds and throws away.
So I called Citi Bank back multiple times waiting over 30 minutes each time and finally hanging up. I continued to receive the phone calls but they were all when I was working and I was unable to answer the phone. The ones at night were automated services telling me to call them back ( not sure if they were automated during the day as well. I finally got someone on the phone and told them about the phone calls and that I was not receiving any statements/bills in the mail. The person told me that my account showed that they were being sent to me and they did not know why I was not receiving them. He said that I should create an online account and try to pay that way.
So the next day I created an online account, an
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| 11/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XXXX XX/XX/2023, my credit monitoring service sent me an alert - that a charge had appeared on a card I had not used in a while ( a Citibank card ending in XXXX that i had not used in a year ). I went to the account and saw a charge of {$160.00} for XXXX XXXX made on XX/XX/XXXX that was showing up on my statement.
XXXX immediately called Citibank and reported this as fraud. The person I spoke to confirmed that I had not made the charge, nor had I authorized anyone to, and then said she was opening a dispute. I asked that my card number be changed because me card was compromised and she said something to the effect " of course, I'm surprised that didn't pop up before ''.
XXXX went to check on this in the online dispute center a bit later, and noticed two weird things : XXXX ) I had both a purchase dispute and a fraud dispute open for the {$160.00} charge, both noted as reported by me on XXXX ; XXXX ) XXXXwo additional transactions were under the " fraud dispute '' section listed as " transaction did not post '', one by the same vendor for the same amount but attempted XXXX, and XXXX by " XXXX XXXX XXXX '' for {$170.00} on XXXX. Both were listed as being disputed by me on XXXX, which I didn't ( I wasn't even aware of them ).
XXXX XX/XX/XXXX, I called Citibank about this. I was told that a mistake had been made on their end, and that they would work it out and I needed to " watch for the letters ''. I was also given XXXX dispute numbers as reference : Fraud dispute - XXXX Purchase dispute - XXXX -On XXXX XXXXXX/XX/XXXX, I checked the online dispute center ( having heard nothing ) and saw that the purchase dispute was active, that the " merchant had responded '', and the fraud dispute for the {$160.00} charge was gone ( the fraud disputes for the transactions that hadn't posted were still there ). I called the fraud department to re-report ; they acknowledge that their notes confirmed that I had reported this charge as fraud, and that they would put *more* notes in. I asked that this please be confirmed with me in writing ; I was told no. I then closed my account ( I hadn't activated the card with the new number ) because I was not confident in the way they were handling this.
XXXX XXXX XXXXXX/XX/XXXX, I checked the online dispute center instead. I saw a notification that I was responsible for the charge, that the conditional credit would be reversed, and saw that all the fraud disputes had been erased. I called billing disputes to relay the investigation and was told : XXXX ) Again, that their notes showed that I had reported the charge as fradulent.
XXXX ) That the purchase dispute investigators had been corresponding with me ( they haven't, I double checked ).
XXXX ) That again this was fine, I had to just respond to a letter that they had sent me confirming that I hadn't made the charge.
XXXX ) That, contrary to # XXXX, she couldn't find the fraudulent charge in their records. Yikes.
I noted that this was violating my fraud protections under the XXXX that limit my liability to {$50.00} for fraudulent charges. I again asked for written confirmation that I had reported the charge as fraud on XX/XX/XXXX, and even said check the recording to confirm. I got a noncommital answer but I was told that, again, the report of fraud was going " in the notes ''. I reiterated my request that I get written confirmation of what they were saying was in their notes. I'm not optimistic as she was noncommittal and said she didn't understand why I had gotten nothing in writing so far.
Whether intentionally or due to incompetence, Citibank is violating my rights under the XXXX. I am liable for up to {$50.00}, not {$160.00}.
I have attached screenshots of the dispute portal showing the fraud disputes ( now erased from the portal ) and the purchase dispute that was erroneously opened being decided in the merchant 's favor.
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| 09/12/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XXXX/XXXX/2015, I opened a XXXX Checking Account through CitiBank using the promo code XXXX. This promo code was advertised to give a bonus of XXXX bonus XXXX XXXX after opening a new XXXX account by XXXX/XXXX/2015 and, within 60 days of account opening, post XXXX bill payment each month for XXXX consecutive months. My husband opened an identical account using an identical promotion.
Prior to opening the account, my husband called CitiBank to confirm eligibility for XXXX of us. The rep confirmed that we were XXXX eligible, so we signed up on the website. Upon approval of the account, I immediately initiated a re-occurring bill payment, scheduling it once a month for 2 months.
After the second bill payment posted my husband called CitiBank, and the rep confirmed that we had XXXX met the terms of the promotion, and that we would be receiving the bonus points in the next few months.
The points had still not posted in XXXX in either account, so we called back in. The representative again assured us that they would be posting, as we had met the terms of the promotion on XXXX accounts.
The points still had not posted a couple of months later, so we again called in. This time, we were told that if we had not been targeted for the promotion, we would not be receiving the points, but that they would look into it and send us a letter.
We never heard anything back, so we called again and were told the same thing. This time, we received an email a few days afterwards stating that we were not targeted for the promotion on my husband 's account, and would not be awarded the points.
We called back in and informed them that we had been targeted for the promotion, and even if we had not been, they had told us for nearly 6 months that we were eligible and had met the terms for both accounts. Meanwhile, we were being charged a $ XXXX account fee. After being transferred around for just over an hour, we were transferred to the wrong department. Someone at Citi had accidentally transferred us to the department which handles inquiries from Citi employees regarding their employee Citi savings/checking accounts. Despite being confused at how we got there, the representative was very helpful. He again confirmed that the promo code was showing as attached to XXXX of our accounts, and that we had met the terms including the bill payment on XXXX accounts. He promised to have this looked into and said that we would receive a letter in the next week with the outcome of the investigation.
A week passed and no letter. We called back in, and the representative could find no record of the conversation we had previously, and no record of the investigation being initiated. She apologized and promised to follow through with initiating it herself. A few days later we again received an email claiming that we were not targeted on my husband 's account and would therefore not be awarded the points.
We called again and informed the rep of the ordeal we had been put through, and that we had been told for so long that we were eligible and had completed the terms, and would be receiving the points for both accounts. This rep was helpful and promised to escalate the claim.
But again, the same outcome.
We called a couple of weeks ago to give them XXXX last chance, and the best I was offered was that they could put in a request to potentially send me XXXX points as an apology. Despite that I had been promised XXXX XXXX points for each account.
I would be happy to furnish the phone call recordings, and I am sure Citi can do the same.
Update : Citi was finally willing to honor the XXXX points promo for my husband 's account, so this should be possible to do for my account as well. All communications with Citi referenced both accounts, XXXX accounts had the promotion applied, and all account activities ( bill payments, etc. ) were done in tandem. **
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| 03/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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In XX/XX/XXXX, my wife and I became victims of CitiMortgage our mortgage company first, by seeking a modification and being told we had to first be 2 months behind. They then took 12 months to process the modification and created an additional {$30000.00} dollar principal balance increase and the monthly payment remained about the same.
When we made our XXXX modification payment t we were told to only sent the difference of the amount due since we had a {$700.00} credit on the account. We were later notified that our payment was considered late due to not sending the complete amount. We contacted them and even though they could see our credit in their system they could not move the amount to complete the XXXX. payment, so it was late they and they would not help us any further. We sent the remaining balance but were then forced to seek out assistance from what was happening to us by them We then entered program with a person named XXXX XXXX whom promised to help us by paying off our note with Citimortgage and then charging us an amount comparable to the market value of our home, at that time. We signed up and unfortunately spent almost 4 years paying attorneys fees to keep our house out of foreclosure. Well that fraudulent person was recently convicted and sentenced for Mortgage Fraud. During that time the bank was refusing to work with us at all.
We were then forced to open a claim against the bank and they finally allowed us to submit our information for another modification and on XX/XX/XXXX we were approved for a Fannie May-modification plan. We were asked to start making trial payments ; however, their letter stated that they would suspend their foreclosure proceedings and not move to conduct a foreclosure sale after the our XXXX trial payment was received. However, After they received the XXXX payment all they did was postpone the sale date instead of stopping the foreclosure sale proceedings. We contacted their attorney but his response was that by postponing the foreclosure sale date they met their obligation to the agreement. I explained and sent him a copy of the agreement and told him that the Foreclosure was to be suspended from conducting a sale and that a postponement meant that the sale was still active and just re-scheduled to a different auction sale date.
Their attorney, XXXX XXXX XXXX, recently proceeded to threaten me with a claim to sue if I did not provide him and Citimortgage a " Letter of Rescission '' from XXXX XXXX, who is currently incarcerated and sentenced in a Federal prison. I fail to understand why I should continue to be victimized by Citimortgage and their attorneys for a document that I have no real means to secure. This matter of a " Letter of Rescission '' is between Citimortgage and XXXX XXXX and they should pursue him with a claim. I had previously given their former attorney XXXX XXXX XXXX XXXX all he contact information for XXXX XXXX and his incarceration details to contact him for a claim they were preparing on XXXX XXXX, supposedly. I contacted the Department of Justice 's Victim/Witness department anyways for fear that Citimortgage would cancel my modification process and they responded favorably and they will try to get XXXX XXXX, who is currently incarcerated, to sign the letter of Rescission by XXXX XXXX for CitiMortgage.
I believe that Citimortgage is not honoring their obligation as stated in their approval letter by not suspending the foreclosure proceedings. I also fear they will continue to try to sell my home, or cancel my modification process because of my claim, in spite of my efforts to work with them and provide them with the documents they have asked in a timely manner, even with the help of the D.O.J. I confirmed on XX/XX/XXXX that my second payment was received and I emailed their attorney XXXX XXXX XXXX but the sale date is till active for XX/XX/XXXX.
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| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Update this account to reflect PAID for the month of XX/XX/XXXX.
I am need help communicating with CITI because they have been ignoring my requests regarding this account. I have been writing to the bureaus and CITI regarding this account for several months and I still no NOT see they they indicated that this account is being disputed. I have proof to furnish if necessary. ( Missing DISPUTE indicator according to section 623 ( a ) ( 3 ) of the FCRA.
Citibank is reporting a late payment for XXXX of XXXX on my credit report. I always have this account on AUTOPAY this explains why I have NEVER been late on this account. Citi is reporting this 30 day late according to bank error. I called and spoke to a representative who said that the AUTOPAY feature that I signed up for and currently still have, was DEACTIVATED my Citibank because I did not accept their new terms and conditions that they sent via email. During this XXXX XXXX Month I was in quarantine as Pennsylvania ( the state I was in at the time ) and my home state of NY both declared State of Emergency. XX/XX/XXXX is when the State Executive Order Declaring Declaring a Disaster Emergency in the State of New York was put into place According to the Consumer finance website the CFPB released a statement outlining the Responsibility of credit reporting companies and Furnitures drawing the covid-19 pandemic. many lenders are being flexible when it comes to Consumers making payments yet Citibank took this time to delete my already existing agreement with them for auto-pay. Citibank has put me in a very scary and painful position because I have never been late on any of my bills on my credit report ever. This is the only late payment that I have ever experienced and it has dropped my credit score tremendously. Citibank did not tell me about this they took it upon themselves to remove my auto paint which protected me drawing the state of emergency that me and all my fellow Americans had to deal with. during quarantine I did not have access to all my electronic devices and my mail as I was at hearing to Federal and local state laws. I needed auto-pay to keep me protected so during the pandemic I was not breaking any laws by traveling state to state as I usually do.
According to Consumer Reports, Citibank has been making many mistakes during this pandemic and has not been handling consumers accounts with appropriate care and accuracy. Consumer Reports has explained that Citibank has been very inconsistent with their communication drawing covid-19 including me. of all consumer complaints between XXXX and XXXX of XXXX 36 % of all complaints are about Citibank this is more than three times the amount of any other company. I need this late payment removed immediately because Citibank 's Bank error.
I am suffering tremendously emotionally and I am suffering harm to my financial well-being. I can not believe there is a late payment on my credit report that I did not do. I should not be suffering because of Citibanks error and according to the cares Act and nyc.gov the laws and policies that have been implemented to protect Americans during state of emergency times have all been ignored by Citibank. this is destroying my perfect record and I need this updated immediately and if not, I will seek help from my family attorney or and fcra attorney of my choice.
I am including the screenshot of Citibank reporting a late payment in XXXX after my Governor declared state of emergency and I already had an established auto-pay feature on my account for many years prior. update this account to reflect positive payment on XX/XX/XXXX. I have called, I have written, and I need help to communicate this issue with Citibank. This account needs to be updated and the late they have reported needs to be removed.
XXXX XXXX XX/XX/XXXX
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| 01/06/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX I was contacted by Citi Fraud Department alerting me to possible fraudulent activity on my account I was asked when the last time I used my Debit/ATM card to which I replied that I used it on XX/XX/XXXX to withdraw cash from a Citi ATM in XXXX NY.
I was then asked if the card was in possession to which I replied that I assumed it was as I usually place it in a compartment in my car. I was not nearby my card and therefore could not go an check if the card was indeed there. I asked the representative if the fraudulent transactions were done using the actual card and the representative replied that it was not necessarily the case. We went over the transactions ( listed below ), and when I stated I did not recognize them, the representative said that the chares will be redeposited onto my account. My card was disactivated and I requested a replacement card with a compete new number to be mailed out to me immediately.
On XX/XX/XXXX, I was contacted again by the Citi Fraud Dept. and I was stunned when she accused me of having the card in my possession. I stated to the representative that I could not find my card anywhere and went on to look for it again while she was still on the line. She insisted that these purchases were made using the actual card and I told her that the card either was stolen or I lot it after withdrawing the cash on XX/XX/XXXX. I went on to explain that I rarely make purchases using the debit card, let alone in such frequency as when the fraudulent activity took place. I added that I was at work, in XXXX XXXX, NY at the time of purchases in question. The rude representative was extremely impatient and said that the fraud department was going to make a determination within 10 days.
I walked over to the branch in XXXX, where I last used my card and asked the manger how I could get a hold of the ATM machine footage to see if I might have let the card in the slot and someone had picked it up. The manager said he was not allowed to release such footage due to confidentiality issues and added that the Fraud department could make such request. I contacted the Fraud dept and was told that such requests aren't made and that they weren't authorized to do so and that it was up to the branch manager 's discretion to release such material.
I was stunned to learn that Citi withdrew the money back out of my account to pay the vendors involved in the fraudulent activity following the determination that I had the card in my possession at the time of transactions and therefore I was to be held accountable for the charges. I contacted the Fraud department yet again, explaining that I did not have the card in my possession and that they should ask request footage of the chip swap from the vendors, but they brushed it off.
On XX/XX/XXXX, I spoke to the Fraud department, asking to speak to a supervisor but I was told I had to send an appeal letter I order t reopen the case as it has already been resolved, and not in my favor.
I will send the appeal letter but I am filing complaint against Citi, with the CFPB, as I do believe that I have been mistreated by the bank of which I have been a client for over 20 years. I expect my bank to protected my funds but unfortunately has failed to do so.
The following are the unauthorized transactions that Citi paid to the vendors : $ XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) $ XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) $ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ) $ XXXX XXXX XXXX XXXX NY ( XX/XX/XXXX ) The following charges were redeposited onto my account on XX/XX/XXXX following initial conversation with Citi fraud rep but are ALL pending withdrawal by Citi back to vendors XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
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| 02/28/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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My mortgage was transferred to Citimortgage in XX/XX/XXXX after I purchased the property in XX/XX/XXXX for {$89000.00} with a down payment of approximately {$20000.00}. I began having financial hardship issues and fell behind on payments in XX/XX/XXXX. Citi assigned the account to a homeowner support specialist. This individual instructed me not to make payments while Citi worked up a loan modification. When the representative finally made contact with me again ( after I left a Voicemail and followed the instruction not to leave multiple messages ), he told me the new payment amount under the loan modification and when the new plan would begin.
However, I later was told that the modification fell through and the property was going into foreclosure. Citi would not accept payments.
The property went into foreclosure in XX/XX/XXXX but was apparently removed from foreclosure when Citi set me up on the Making Home Affordable program ( HAMP ). I successfully completed my three trial payments of {$500.00} each. Citi then informed me for the first time that they did not actually own the loan. It was owned by XXXX, which did participate in HAMP. Citi was required to participate in HAMP, but that did not matter, because they only serviced the loan and did not own it.
It was XX/XX/XXXX when another person assigned to my account set me up on a payment arrangement and stated that there would be a balloon amount at the end, which could then be rolled over into a second payment arrangement. This individual said at that point, I would be almost caught up. This arrangement began in XX/XX/XXXX with payments of {$950.00} each.
After making numerous payments, I was informed by another representative that Citi actually could not roll over the balloon amount into a second payment arrangement. Now they would not arrange any repayment program at all without extremely large monthly payments to only last approximately six months.
Citi returned multiple checks of up to {$2400.00} each in XX/XX/XXXX and XX/XX/XXXX as I attempted to bring the loan current. Thousands of dollars in payments were returned. The property was not in foreclosure so there was no reason for the organization not to accept money to pay down the arrears.
In addition, Citi continued to encourage me to apply for a loan modification. I am not sure how many times I applied during those years. For example, I have stacks of letters from XX/XX/XXXX from three different homeowner support representatives repeatedly asking me to send in documentation over and over.
All the paperwork, including the legal documents, continues to list XXXX as the investor, although XXXX has not actually existed since XX/XX/XXXX. It was bought out by XXXX. The loan modification application I submitted in XX/XX/XXXX would have needed approval from XXXX.
A Citi representative told me it was essentially too late to obtain a loan modification because the payments would now be too high. She suggested I should have applied for a modification before.
Citi representatives confirmed to me that Citi, as XXXX, actually bought the loan at the sheriff 's sale. XXXX Bank did not buy the loan with Citi as servicer. Yet the defunct XXXX is listed as the high bidder.
I am nearly XXXX years old and have lived in this house for almost 20 years. I have tried very hard to work things out with this bank. I do not understand why a gigantic corporation can make these sorts of errors and not be held accountable... because technically, they only serviced the loan and did n't own it. True, the federal government has now fined Citi nearly XXXX, partly because of the way this corporation has treated homeowners. But that does not help me. Citi has issued a deadline of XX/XX/XXXX to leave the property, so it can sit vacant along with the other XXXX bank-owned residential properties in my immediate neighborhood.
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| 11/17/2015 |
Yes |
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Web |
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I am XXXX & was XXXX for the last 2 years. From XX/XX/XXXX to about XX/XX/XXXX, I was mostly in bed, very ill. When I began to get a little relief & feeling a little better, I went on my computer to find that the XXXX credit cards issued to ME ONLY were maxed out! This live in " caretaker '' helped himself to my XXXX credit cards without my knowledge, permission, or authorization. When I found out on XX/XX/XXXX, I immediately called the XXXX XXXX Police, who sent Officer XXXX to take my report. I did n't even get an " incident number '' until XX/XX/XXXX, over 1 month later, this was after several calls, leaving messages, etc. I even went down to Police station & was yelled at by cop, stating that I was not going to get anything. He stated " you can talk to me until you are blue in the face & you are not getting anything ''. This typifies the way the Police & the local DA have treated me. Also the XXXX credit cards were notified immediately, and they all said, I am NOT responsible for any charges. XXXX XXXX reimbursed the fraud charges after I filled out the necessary paperwork, as did XXXX XXXX, who actually sent me a check for over {$2000.00}. Also, XXXX reimbursed all the fraud charges except the balance transfers done by this thief. I am still trying to get through to their " fraud agent '', because the original agent said it was the policy of XXXX XXXX not to reimburse these charges. I called after waiting several weeks for XXXX XXXX to call me & was given a totally different story by a different fraud agent, who said it is NOT their policy to not reimburse fraudulent balance transfers, but that the notes on my account stated that I told original agent I did the balance transfers. Thisis very easily fixed, as EVERY conversation was recorded. I never told thios agent that I did the balance transfers or that I benefited from them. I have been waiting several weeks again for them to call me back, as they assigned a new fraud agent.
XXXX XXXX XXXX at first denied my claim, then I appealed & they approved it, and I was told by a fraud agent that over {$12000.00}. would be direct deposited into my checking account ( I gave her all the info on the phone ). Then 2 or 3 days later I got a letter from XXXX XXXX XXXX stating that they had credited my account & I was not responsible for any fraud charges. Then a few days later, I got a phone call, stating that they changed their mind, and then 3 or so days later got another letter from XXXX XXXX XXXX stating all the charges were reinstated & that I am responsible for all of them. This is after spending literally hundreds of dollars sending faxes of old statements showing the fraud charges.
Citi Bank, picked & chose what they decided was fraud before the police investigation was complete ( which it still is NOT, since XX/XX/XXXX ). The fraud charges on Citi were about {$3200.00}, and they credited me about {$600.00}. Also all XXXX credit card companies got incorrect information from a XXXX XXXX with XXXX city police, stating that I did not wish to pursue the arrest of the perpetrator. This is not true, when Officer XXXX took the original report, I told him I can not wait to see this individual arrested & put in jail, and I would be happy to testify against him. XXXX XXXX XXXX stated in a phone conversation that the only way they XXXX consider refunding the fraud charges is if the individual who did them is arrested! I went to police station at least 6 to 8 times, always treated with disrespect, and also the DA 's office laughed at me on phone when I said I wanted to meet with the DA or an assistant DA. So I went th the DA 's office & they laughed in my face when I told them I wanted to speak to DA or assistant DA, and responded that I could not! I insisted, so a man came out to the hallway, where there were about XXXX people waiting & wanted to discuss it in front of th
|
| 08/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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We feel that Citi Mortgage has violated may laws during our modification process. First we want explanation on the following : On XXXX XXXX, XXXX we received a letter stating the following " We have completed a thorough review of your account based on the information you provided to us and we are please to share with you the following : You may be eligible for a modification of your loan. We will contact you shortly to discuss the details of modifying your loan. At the time of this letter the foreclosure sale scheduled to take place on XXXX XXXX, XXXX should have been canceled. It was not canceled until the day before the sale date, XXXX XXXX, XXXX. This is a violation of dual tracking. To complete a thorough review of our account, they would have to had a complete file. Also we never were contacted to discuss the details of modifying our loan.
On XX/XX/XXXX & XX/XX/XXXX we received letters from Citi stating " Your application for mortgage assistance is complete '' What to expect " foreclosure activity will cease while your complete application is being evaluated for hardship assistance ''. It also states, " We expect to complete our review by XXXX/XXXX/XXXX. Four days later, XXXX XXXX, XXXX a foreclosure sale was scheduled to take place on XXXX XXXX, XXXX. Again dual tracking. They had a complete application that they were in the process of reviewing. Citi was simultaneously evaluating us for a loan modification at the same time that they prepared foreclosure on our property. In a letter dated XXXX XXXX, XXXX, XXXX XXXX responds to a previous complaint that we had filed with the CFPB. She explained what has transpired on our account. She stated on XX/XX/XXXX, that we submitted a partial financial document package. Stated on XXXX XXXX, XXXX a foreclosure sale was scheduled. But neglected to mention what transpired on XXXX XXXX, XXXX and XXXX XXXX, XXXX, that our file was complete. The foreclosure date that they scheduled on XXXX XXXX, XXXX was not canceled until XXXX XXXX, XXXX the day before the sale date was to take place. When in the first place it should have never been scheduled. Also let me remind XXXX XXXX, that the sale scheduled for XXXX XXXX, XXXX was the sale that XXXX from XXXX XXXX XXXX called and spoke with the support specialist at the time, XXXX XXXX that it needed to be canceled because the file was complete. XXXX XXXX told XXXX it was not complete. XXXX had to have the issue escalated to a higher lever within Citi to get the sale date stopped. Once again another support specialist that we had to deal with that did not know what they were doing. Citi Mortgage dragged us along through a slow, confusing, contradictory, redundant and fraudulent modification process. Because of the contradictory documents we never knew if we starting all over with a new modification process, if our file was incomplete, or waiting to hear from them on " details of modifying of our loan '', as stated in a letter dated XXXX XXXX, XXXX ( which we never did receive the details ). Letters dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX are letters of a modification denial. Each letter contains different reasons used in the decision making process for the same type of programs. This is contradicting, confusing information. Another example on contradicting information is on XXXX/XXXX/XXXX we received a dcoument stating " our application for mortgage assistance is complete ''. Also on XXXX/XXXX/XXXX we receive a document " We received your request for mortgage assistance '', stating " once your file is complete with all required documents, we will stop all foreclosure activity until we determine ... ''. Again contradicting information. Do they have a complete file or are we starting from the beginning with the process. This process of contradicting, confusing, misleading continues throughout the entire process. See attached timeline.
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| 02/13/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, I live in XXXX Wisconsin. The purpose of this letter is to ask for your help and support to clarify a misunderstanding that I had we Citibank. Everything started like four weeks ago while I was in the process of securing a loan at the XXXX XXXX XXXX when the loan bank agent told me that I was determined to be a credit delinquent for failing to make payments on one of my credit cards. I was to have a 3.9 % rate but because of this situation my rate increased to 4.9 %. This was unexpected because of the situation that I will describe in the following points : 1. My first step was to contact Citibank and I explained that it was a mistake that I was considered a credit delinquent by their credit institution.
2. I told them I have not gotten any emails or letters informing me that I was delinquent in my card payments. They answered me that I requested not to be contacted any longer by the credit personal. This was really surprising that anyone would make this kind of decision, I would be economic XXXX! I have been using credit cards over twenty years and I know by experience how easy a bank can give you late fees and accrued interests.
3. I wrote a letter to Citibank explaining that I never had intention not to honor my credit debt with their financial intuition. I stated them that I did not get any bank statement either in paper or electronically from them indicating me that I was behind in my payments. Furthermore, I tried to make clear that it was not possible for me to know I was falling behind in my payments because no bill ever reached my hands. I specified to Citibank that I have several credit cards and I rely on banks to mail me or email me my bills to help me to keep organized and pay my credit cards on time. I feel I did not honor my Citibank debt because the communication system failed. Though, I feel Citibank is treating me as if I refused to make payment to cover my debt with their bank.
4. I consider Citibank is requesting to collect fees and interests despite I had informed them I never got any bills either by email or paper regarding bank statements. I feel Citibank wants collect money without taking into consideration that I never intended not to fulfil my monetary responsibility with your bank.
5. Citibank wrote me letter that there is a pre-selected option when enrolling the account online that triggers electronic option of sending bank statements or other kind of communication. In this letter they acknowledge I made payment on XX/XX/2016. No more bank statements from Citibank reached me. I checked my XX/XX/2016-XX/XX/2016 my XXXX history account to corroborate that I might have gotten missed Citibank emails of communication, but there was none from Citibank.
6. In addition, you mention recorded conversation with Citibank agent regarding my delinquency on XX/XX/2016 and XX/XX/2016. If you review the times of the call, you will find out they were made during the day ( between XXXX to XXXX ) while I am at my job. I recalled tell the Citibank representative not to call at my job because it creates me trouble in my work place to attend these personal calls. I believe to request to be reaching at home. Though, I requested from Citibank to share with me tthe recording if all possible.
7. As I mentioned above I was informed that I was determine by Citibank as a debt delinquent and I was a part of a collection debt process by my personal bank ( XXXX XXXX XXXX XXXX ) while applying by a loan. I tried to fix this misunderstanding right away, I contacted Citibank collection department and a made a payment of {$1000.00} dollars. This gives you a proof of my character as honest person that I earn every dollar in a honest way and I consider my prestige as a good citizen to be maintained by honor my legal, social and economic responsibility.
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| 11/22/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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I purchased a TV at a Best Buy Store, the TV was not in store but in their warehouse, I ordered it using my Best Buy CC which is through Citibank. A few days before delivery I found the set online for XXXX less so I called for a price match of which they refused so I canceled the TV and The delivery, Best Buy said they credited my Best Buy CC card and I believed that was the end of that.
A few weeks later I started getting extremely nasty calls asking me to make payments on the XXXX TV from Citibank, I told them I never bought it, I canceled it before delivery and the credit was returned to my Card. They told me The XXXX was put on A gift card, I did n't know what they were talking about I had no gift card and Best buy knew this. Citibank wanted me to prove to them I did n't have the money on a gift card I asked them how do I prove it to them, I had refused the set and returned it, technically I never saw the Tv it never left the warehouse and a gift card was never mentioned.
I found out later that while I was ordering the set the salesman had made a mistake with my delivery and had to refund the money Back to my CC, because it takes a few weeks to get the money put back on my card and I would n't be able to purchase anything for XXXX weeks he took it upon himself to put it on a gift card without my knowledge. This is how Citibank saw the money still owed it showed as I had a XXXX gift card.
Citibank told me to call Bestbuy to straiten it out, Best Buy said they did n't show it on a gift card they show it refunded and the money back on my card. I thought that was the end but lo and behold a week later Citi was back harassing me for payment.
I told them I have a perfect Credit report and I am not stealing a TV set. They again told me to call Best Buy to fix this. I called Best Buy and told them I need proof of the sets return and I mentioned about the gift card Citi said was used. They told me then that it 's a tactic the salesman use to bypass the XXXX weeks it takes before you can use the CC if they have to cancel a transaction and ring up another purchase, so the customer can still make a purchase the same day without waiting, I was angry to hear that they did this without my consent.
Best Buy sent me a formal receipt for the return I forwarded it to the Citibanks address on my billing statement, again I thought it was over they wanted proof so I sent it.
It did n't end they would n't except it, finally I got to the dispute XXXX at Citibank and she simply called Best Buy and straitened it out and they apologized for the 2 months of grief they caused me somedays they tied me up on the phone for hours and it cost me a lot of missed work.
Yesterday I ran a credit check because I took a loan on my house to pay off my CC debt only to find out Citibank and Bestbuy had reported to the credit bureaus I missed a payment on the loan that i never had for the TV I never received. In the last month I did n't know why but my bank at XXXX raised my CC interest rate XXXX points to 18 % as did XXXX Bank because Citibank reported I missed a payment for the mistake they made.
On XXXX of my credit reports it said Bestbuy filed a missed payment then canceled it and restored my credit report to satisfactory, however on the other reports they left it as a delinquent payments, They admitted fault but left the damage on my perfect credit history it took a lifetime to have a perfect credit rating.
Im a victim of the fact that Citi and bestbuy do n't talk to each other when it comes to the return of merchandise they actually refuse to look into it when a customer returns XXXX. Citi just demands payment, I want all my XXXX reports cleaned up and restitution for my damages. I want them to contact the banks that raised my interest and denied me credit Home Depot card went from a XXXX limit to XXXX they need to fix it all.
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| 08/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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My wife and I were contacted by CitiMortgage in XXXX, 2015, to refinance our existing mortgage with them ; they had held our mortgage for about ten years. Around that same time, I had spoken with a couple of other brokers interested in helping us lower our interest rate and explained that I had left my job to start my own business eight months earlier. I was told by these brokers I needed to be self-employed two years before I could refinance my loan. We decided to go with Citibank since they knew our payment history. XXXX XXXX XXXX ID XXXX ( Phone XXXX ext XXXX ) at Citibank was our mortgage loan officer. He asked when I had actually registered my business with the state ; it was almost exactly two years prior. XXXX said we could move ahead with the refinance process. On XXXX XXXX, 2015, my wife, XXXX, then paid {$470.00} to begin the loan process after a credit check was completed. Two weeks later, I was contacted by a title company and was told I needed to pay an additional {$200.00} for a Loan Subordination on our HELOC.
We then spent the next two months submitting tax forms, letters of explanations about properties we lived in 20 - 28 years earlier, letters explaining why I do n't have XXXX forms for businesses that were listed as Schedule C in our submitted tax forms, complete copies of our Family Trust after being told they only needed the Certificate of Trust, as well as the usual bank statements, pay stubs, W2s, etc. At times, after submitting documents, Citibank contacted us and told us they could n't find them and we would have to resubmit them. I was able to see what I had submitted on their website and told them so. Sometimes they would find the file, sometimes I was required to resubmit again via unsecure email. Near the end of this process, the underwriter would ask for documents that had been submitted and our loan processor, after I would tell him they had the document, would say ; " Yes I see it. I do n't understand why she is asking for it. " On XXXX XXXX, I received an email from XXXX stating that the underwriter 's findings were that our debt-to-income ratio was too high and to call him to discuss. We set up a conference call for XXXX on XXXX XXXX. When we called, we were told that my income for last year was only {$6800.00}, and we did not qualify. I asked him how they could arrive at that amount when our net taxable income was {$73000.00}. XXXX was unable to site any specific figures and said he would have to talk with the underwriter and would call back around XXXX
Later that afternoon, I received an email from XXXX. In part it stated, " I have discussed with my manager who in turn is going to the underwriter 's boss to get information. It may not be until next week before I get back with you. I am off until Wednesday next week. If I do hear before I leave for the day, another 4 hours or so, I will get back with you right away. " Just to give a little information about us -- our credit score at the time of this transaction was XXXX, Citibank carried this loan for approx. 10 yrs. Our only debt was this loan for {$140000.00} and a HELOC in the amount of {$38000.00}. Any credit card debt is paid in full each month. We have never been late, on any of our payments. Our property appraised for {$250000.00}, and I have enough in liquid assets to pay off both of these debts. This should have been a simple loan modification.
I wrote an email to XXXX XXXX the next day and copied Personal Processor, XXXX XXXX hoping for some response, knowing XXXX was on vacation until the XXXX of XXXX. With no response by XXXX XXXX, I sent the same email again the afternoon of the XXXX, I got a call from XXXX within the hour telling me the loan was denied without further explanation on how they came up with such a low income for us.
We pursued a new loan with a new company XXXX. We were approve and funded XXXX
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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This is my second complaint against Citi regarding the same problem because they refuse to comply with their regulatory FCRA duty to remove the credit reporting error occurring on XX/XX/2023. I am the victim of identity theft and on XX/XX/2023 someone in XXXX XXXX, IL attempted to apply for a credit card with my personal information with Citi and XXXXXXXX XXXX These inquiries immediately notified me through my credit monitoring and I disputed with the respective companies the same day. XXXXXXXX XXXX immediately removed the inquiry from my credit report and confirmed the application was denied because it was routing from XXXX XXXX.
I have attached my original CFPB complaint and pitiful Citi 's response refusing to correct my credit reporting. I'm angry on XXXX points : 1. Citi 's reply denies I was an identity theft victim because all of the information on the credit card application matched my personal information. The usage of my correct personal information is the sole nexus of attempted identity theft fraud. I have never disputed whether my personal information was correct in the application, but rather that I did not submit the application.
2. Citi claims my FCRA dispute was denied because my personal information matched, however, this is false. On XX/XX/2023 Citi called to inform me my original dispute investigation was completed. On that same call they asked for my mailing address to send the results. Citi did not have my mailing address to confirm my personal information was even correct at the time they originally completed their " investigation. '' 3. Citi refuses to confirm the mobile IP location of the attempted application because it would confirm the applicant was not me. On the same day of the Citi application, XX/XX/2023, there was another attempted credit card application with XXXX XXXX XXXX was able to immediately deny the application and removed their credit reporting due to identity theft because of ( a ) their regulatory compliant FCRA Red Flag programs knew to deny the application, and ( b ) the mobile application was coming from XXXX XXXX, IL.
4. Citi has a duty per FCRA 623 ( a ) ( 2 ) to remove incorrect credit reporting information when the information is the result of identity theft. They failed.
5. Citi has a duty per FCRA 1681s to conduct a reasonable investigation into a credit reporting agency dispute. They failed, and then lied by claiming their investigative conclusion was based on information they did not yet have ( mailing address ; see # 2 ).
6. Citi has a duty per FCRA 623 ( a ) ( 6 ) ( B ) to remove reporting conducted through identity theft when a victim provides an identity theft report. I completed all necessary information and even put a credit security freeze with all three of the credit reporting agencies because someone has my information.
7. Citi has a duty per the FCRA Amendment Red Flags Rule to have an effective program to identify, detect, and appropriately respond to identity theft attempts. Citi did deny the credit card application, of which I was grateful, but refuses to acknowledge the fraud or appropriately respond with an inquiry removal. These failed Red Flag program practices can lead to systemic non-compliance and Citi 's ability to prevent fraudulent activity in the future.
8. Citi failed to respond to my UDAAP claim. Citi denied discrimination in their response, but I did not claim discrimination. UDAAP is a much more comprehensive set of practices resulting in harm and Citi 's refusal to conduct a reasonable investigation, acknowledge identity theft used my personal information, and perform their regulatory duty to remove the fraudulent inquiry on my credit is causing me harm.
Citi needs to act responsibly and compliantly by removing the inquiry on my credit report. I will continue disputing with the CFPB and the FTC until this is resolved.
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| 10/14/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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XXXX - Citi bank official website - offers the following scam a {$400.00} reward program to anyone who opens a new checking account and deposits {$15000.00} in to the account within the first 30 days and then keeps at least this amount in the new checking account for 30 days. I thought this investment would be a nice way to make an additional {$400.00} dollars so I went for it. I wired transferred from my other bank {$16000.00} dollars in to the new Citi bank account. I verified with Citi bank customer service that they had received the money - they said yes. I then asked if there was any thing else they needed from me for opening this checking account - Citi customer service responded no everything is complete. I thought great after I keep the money in for 30 days I will qualify for {$400.00} dollars from Citi. Seemed pretty strait forward BUT not so fast - right around the XXXX day of my new Citi account having been opened, I received an email from Citi saying that my first statement was available for viewing. I went online only to seem that my account had a zero balance - SHOCKING!!! I called Citi and they tell me account blocked - WHY?? As it turns out suddenly they created a bogus issue with my primary home address - saying that it did n't exist and they could n't verify it so they were closing my account. Odd since they had sent multiple mailings to my primary address were I received from Citi a checkbook, another time a atm card, another time a pin number that I used to activate my atm card and I sent them a copy of my phone bill that has my primary address on it. Also the wire transfer came from XXXX XXXX XXXX with documents that have my primary home address on them. None of this mattered they still closed the account!! Coincidently that they closed it right before the day that I would qualify for the {$400.00} dollars for them to have to pay in to my account?? I think no coincidence - clearly it is a scam for this bank raise fast cash from Americans never planning on paying {$400.00} dollars -- just a scam -- total scam. Example even if XXXX XXXX Americans fall for this Citi scam multiplied by XXXX each equals {>= $1,000,000} XXXX dollars of quick cash for whatever Citi needs. Further if they do not pay out the {$400.00} dollars by closing accounts early then Citi saves another {>= $1,000,000} XXXX dollars of expenses. In total Citi may be able to use closing of accounts as losses to offset earnings to pay less taxes with the IRS not being any the wiser. Consider these amounts may be XXXX folds greater if tens of millions of Americans fall for this scam and if they pay out a few to try to make it look legitimate with a couple XXXX early closing they make and save billions - what an intelligent Citi bank scam.
Secondly I am concerned if I will ever see the closing account Citi check of {$16000.00} dollars -- Because the first atm card never arrived and Citi new account department never investigated what happened to it. Then two Citi supervisors told me that the closing check would be mailed to me and if it got lost the Citi bank was not responsible for the lost money. WOW!! more Shock!! I called US Federal reserve that assured me that Citi is totally liable for the closing check and if lost in the mail Citi would just have to send me another check - Relief!! and Peace of mind. Yet because of the recent XXXX XXXX employee fiasco in the news - It makes me wonder if these employees and any of their associates outside the bank in the Citi new accounts department were involved in the missing atm card considering they did not investigate were the atm card disappeared too and tried to convince me ( purposely lying to me ) of no liability for closing check and almost sounded as if they were planning the closing check on being lost. I pray that the closing check arrives and does n't end up lost/missing/stolen.
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| 09/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
Older American, Servicemember |
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On XXXX, I applied for a Citi XXXX XXXX XXXX account. My application was denied for the following reasons : 1 ). You have filed for bankruptcy and your previous account ( s ) with us was included in that filing, 2 ). Your previous or existing account with us has a history of late payments.
3 ). The credit privileges on your existing account ( s ) are currently restricted.
The denial letter also stated that, " our decision was based in whole or in part on information in a report from the following consumer reporting agency : XXXX By coincidence, I have an XXXX account that allows me to check and manage my credit.
When I check my online XXXX credit dashboard it shows that I have an " Exceptional Payment History '', " Late Payments 0 '', " Collections 0 '', Public Records 0 ''.
As my XXXX credit report shows, I have never had a late payment and my XXXX XXXX XXXX also shows that I have an, " Exceptional Credit History Length '', " Average Age 10.8 years '', " Oldest Account 37,3 years ''.
I have current Citibank credit cards and have never missed or been late on a payment. I also have a Citibank checking account where I have carried a 5 figure balance for so many years, I can not remember when I opened the account.
On XXXX, after doing some internet research, I contacted Citibank at XXXX XXXX XXXX XXXX. A woman answered the call, asked for, and I gave her my Citibank Application ID which is XXXX, and other personal identification information. From the start, she was a difficult person to deal with. When I started to tell her that I was not happy about being turned down for a credit card based on misinformation, that I was a Citibank customer with an excellent payment record who also had a 5 figure checking account for many many years, and that I also happened to have an XXXX account that showed I had XXXX late payment and excellent, exceptional credit history. Now, my hearing isn't too good, however, I thought I heard her tell me that she wasn't interested and that if I wanted her to help me I should shut up and listen to her because she, " had the power to overturn an application decline ''. She told me that my application was " not declined ''. I told her that I was, in fact looking at the application decline letter that stated, " We're unable to approve your application ''. At this point, she became belligerent and asked me if I was going to argue with her or do what she said. I told her that she was being illogical by saying that my application was not declined, when in fact it was declined. Throughout this conversation, this CitiXXXX employee had continued to talk over me. She was constantly interrupting me by talking over me. Judging by the words this arrogant Citi employee was using, it appeared that she wanted me to beg her for the opportunity to have a Citi credit card. The conversation became pointless so I hung up and decided to file this complaint because it appears that Citicorp has staffed its inquiry hotline with hostile individuals in an attempt to intimidate and harass people who have had their credit card applications denied. In my opinion, the job of this CitiXXXX employee was to talk over me, attempt to intimidate me, and verbally beat me into submission.
I am disappointed that Citibank has chosen to treat me with such a high degree of disrespect considering the fact that I am a long-time Citibank and CitiXXXX credit card customer. To add insult to injury, I also feel that I have been insulted and defamed by the false and defamatory information that CitiXXXX has concocted to deny my credit card application.
In addition to this application, I will be in contact with my daughter, who is a practicing California attorney to discuss what legal options are available to me so that I can address CitiXXXX XXXX unprofessional, possibly illegal denial of my credit card application.
|
| 06/30/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
Dear CFPB : I would like this complain to be passed on to Macys Management at the highest level. This will be the THIRD time that I am asking for your assistance regarding an unauthorized and un-substantiated charge in my Macys credit card that Macys seem to ignore. Macys is not working with me to resolve my issue to my satisfaction ; I feel they are ignoring me!
I started this request for assistance in XX/XX/XXXX. Macys Executive Credit Department ( Ms. XXXX XXXX from Macys Executive office has been the one responding to you ). All she was doing was writing a letter with un-substantiated information. Then CFPB closes the case. The case is not resolved! Macys continues to insist that I owe them {$400.00} in my regular account but could not show me evidence as to why I owe them this amount.
I am requesting assistance once again on two issues : 1. FIRST ISSUE -- The {$400.00} bill in my account has not been resolved. Please note that I have paid a total of {$80.00} to date because I do not want to be slapped with late fees and interest. Because this amount is in DISPUTE, I should not be paying anything until the dispute is resolved ( this is NORMAL procedure with credit card companies ). However, Ms. XXXX XXXX advised me to continue paying the monthly required minimum ( I paid {$41.00} in XXXX statement and {$39.00} in XXXX statement ). I DO NOT WANT MACYS TO RUIN MY CREDIT!
The letter that Macys sent you and me dated XX/XX/XXXXDID NOT ADDRESS MY CONCERN AT ALL!!! It was confusing and I am unable to trace and reconcile what Ms. XXXX is talking about.
On XX/XX/XXXX, Ms. XXXX left me a voice mail stating that she will call me. I had already left her a voice mail a few days stating that I did not understand and did not agree with her letter of XX/XX/XXXX. That was the last time I heard from her. I called on XXXX XXXX and left a voice mail and advised that I want to settle this issue as soon as possible. Again on XXXX XXXX, I left another voice mail and this time, I was upset and stressed that she was ignoring me. NO RETURN CALL HAS BEEN RECEIVED TO DATE ( XX/XX/XXXX). It is very frustrating as my only way to contact her is through phone and she ( or any of her colleagues in this department do not have the customer courtesy to return calls I told Ms. XXXX in a long voice mail that I can not follow the letter she sent on XX/XX/XXXX. I was expecting to see a debit and credit where at the end, she can clearly show that I owe Macys money. She only provided me raw numbers and referenced statements. This is unacceptable as I can not reconcile her numbers! Macys has to prove to me, the customer that I owe the amount that suddenly appeared in my credit card statement.
I do not believe I owe Macys the amount they insist that I owe. As the customer, I do not agree and I believe it is incumbent on them to prove to me why I owe them {$400.00} that suddenly appeared in my bill.
2. SECOND ISSUE : I sent Ms. XXXX a letter last XX/XX/XXXX ( ATTACHED ). I requested that she explain to me what constitutes a special financing charge that is due for payment soon. We spoke on the phone about this and I advised her that I do not want a repeat of one special financing charge that is the root cause of all this mess. She told me that she will check on it and I HAVE NOT HEAR FROM HER SINCE!
CFPB, please provide me assistance. Ms XXXX is just writing irrelevant information but not resolving my concern. She also told me that I should stop asking your organization for help because it makes her look bad before her bosses. It makes it appear that she is not resolving my concern. I told her that provided she continues to communicate with me and helps me resolve my issue, I will work with her. BUT, XXXX XXXX WAS THE LAST TIME SHE LEFT ME A VOICE MAIL AND HAD NEVER RETURNED MY CALL TO DATE!
Your assistance is greatly appreciated.
|
| 02/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I opened an interest checking account ( XXXX ) with Citibank N.A. in XX/XX/XXXX. I was subsequently provided with checks to utilize with this account.
On XX/XX/XXXX, I tendered check # XXXX in the amount of {$2600.00} to the XXXX County Tax Collector for payment of the XXXX real estate property taxes pertaining to my primary residence. The balance of Citibank account XXXX on XX/XX/XXXX was {$3400.00} On or about XX/XX/XXXX, I received an fraud protection email from Citibank asking if I had in fact used check # XXXX to make a payment. This email included a graphic button that could be pushed to indicate affirmatively that I had tendered the check as payment, which I did. I continued to monitor the account throughout XX/XX/XXXX, noticing that check # XXXX never posted to account XXXX. I was never contacted by Citibank with further regard to check # XXXX.
On XX/XX/XXXX I received the attached notice from the XXXX County Tax Collector dated XX/XX/XXXX. This notice explained that Citibank had returned check # XXXX, and that as a result I was being assessed a {$25.00} returned check fee and a penalty of {$260.00}, which was calculated to be 10 % of my original tax bill.
I immediately contacted Citibank on the evening of XX/XX/XXXX and spoke with a customer service representative and a supervisor. After explaining the situation, both representatives asserted that I had " never activated the check writing features of the account ''. I argued that having the checking account open for five months and being provided with checks to write against the account implied that the account was ready to use. The representatives provided no explanation as to why the check was returned when there were sufficient funds in account XXXX to have check # XXXX negotiated successfully.
After multiple circular arguments, I requested that the Citibank customer service manager close all of my depository accounts in the most expedient fashion possible. The manager readily agreed to close my accounts, making no effort whatsoever to assist me in resolving the situation in a favorable fashion.
On XX/XX/XXXX, I contacted the XXXX County Tax Collector to ask if the returned check fee and penalty could be appealed or reconsidered. The XXXX County Tax Collector informed me that their office would only waive the returned check fee and penalty if Citibank provided a letter explaining that the returned check was not a result of insufficient funds. I was also informed by the XXXX County Tax Collector representative that interest and penalties had accrued since XX/XX/XXXX, the date of notice and that the amount due had changed to {$3000.00}.
I then contacted Citibank customer service on XX/XX/XXXX to ask that the letter requested by the XXXX County Tax Collector be produced. The Citibank Customer Service representative refused to assist me in having this letter produced, instead telling me that I would have to travel to a branch location to request that such a letter be produced. When I told the Citibank Customer Service representative that Citibank did not operate any physical branch locations in North Carolina, my state of residence, she simply acknowledged that she knew this, and still refused to help me.
On XX/XX/XXXX I paid the XXXX County Tax Collector {$3000.00} to satisfy the outstanding tax liabilities, and avoid any further penalties.
On XX/XX/XXXX, I received via email, a Customer Service satisfaction survey from Citibank regarding my call on XX/XX/XXXX. I completed the survey and requested that I be contacted further about my experience. As of XX/XX/XXXX, I have never been contacted by Citibank.
The complete failure of the Citibank checking account product in this circumstance, and the refusal of Citibank Customer Service representatives to help me resolve this situation cost me {$340.00} that I should never have had to pay.
|
| 04/15/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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I purchased a washer and dryer from Best Buy in XX/XX/XXXX. The cost of the pair was over {$1100.00}, which qualified me to receive 0 % financing for 18 months. I did n't have my Best Buy credit card with me at the time of purchase and the employee had to look it up in the system. He inadvertently ran the purchase through on my Best Buy Reward Zone Visa credit card instead of my Best Buy store card like he was instructed to. I noticed the mistake before leaving the store, and voiced my concerns because I used the Reward Zone Visa card for daily purchases and paid it off at the end of each month and did not want it to get confused with the extended financing option. He assured me it would n't be a problem, that all payments would be applied to the higher interest balance first and then any remaining monies would go towards the zero percent balance.
I was weary, but the store was about to close and he was persistent, so we let it go and left. The washer and dryer was delivered the following week and when my credit card statement arrived, the regular balance for that month was around {$1200.00}. So I made a payment for like {$1200.00} to pay off the regular balance, and put {$50.00} towards the washer and dryer. Well, the following month when my statement came in the mail I noticed that I was charged an outrageous amount for finance fees, which should have been XXXX because I paid off my regular balance.
Here what they did was took my payment and put it against the entire balance for the washer and dryer wiping out my zero percent interest, leaving like {$100.00} left to go towards the regular balance.
I immediately called customer service and complained, they agreed to fix it. It took two months for the zero percent financing to be put back on, but it was n't correct. They had the wrong terms, the wrong amounts. They did n't reverse the finance fees correctly. They kept charging me finance fees. It was a complete mess. I ended up calling customer service more than 15 times in that year trying to straighten it out. I eventually just gave up and stopped using the Reward Zone card completely, I calculated exactly what the payments should have been with zero percent interest, and that is how much I paid each month. I ended up paying a little extra just to make sure they got their money, but when my husband had his XXXX in XX/XX/XXXX I had no more to give. It is not my fault that Best Buy hires incompetent employees. I have explained in detail so many times exactly what they did wrong to so many people on their end and they all said they could see it and they were going to fix it and then they did n't or they still got it wrong. The {$660.00} that they say I still owe is all just finance fees with late fees on top of finance and late fees that I do not feel I should be responsible for paying. I mean, had they put it on the store card like I asked in the first place we would n't have had this problem in the first place, but even so who in their right mind would think someone wants to pay off a XXXX balance over one that 's billing at 23 % when they send in their payment?! That 's a freaking NO BRAINER!! I was told after the zero percent balance was wiped out that I should have specified which balance I was paying off ... why would I have given up my bonus reward points to get zero percent interest if I planned on paying it off in full the next month???? That 's so stupid. Seriously? These people are complete XXXX.
For as much XXXX as this has been, I seriously would have just paid the debt by now just to rid the stupidity from my life. That 's if I could have afforded it. Unfortunately unforeseen health issues between my husband and myself have us in a bit of a struggle and that 's not an option for us. Honestly, I take pride in paying my bills when they are my bills to pay. However, this one is not ours to pay.
|
| 01/06/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I have a checking account with Citibank, which I opened in XXXX. In XXXX XXXX, I received a letter from Citibank addressed to me that said they would pay me {$300.00} if I fund a Citibank Savings Plus Account ( between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) with {$25000.00} and keep that balance for 90 days. ( The letter had Invitation Number - XXXX ). On XXXX/XXXX/XXXX, I deposited {$25000.00} in the Savings Pluss Account at Citibank XXXX XXXX XXXX, XXXX XXXX VA XXXX. From that time, I never let the balance go below {$25000.00}. In early XXXX XXXX, I had not yet received the {$300.00}. The 90 days had completed in early XXXX. I called Citibank and spoke with XXXX XXXX in the XXXX XXXX branch. I told her the story and gave her the invitation number. She said she will create a case for investigation and I would get a response in XXXXXXXX business days. I said, " what is there to investigate, you can see I never let the balance go below {$25000.00}, and it been more than 90 days? '' She said they must investigate. I told her I was unhappy and I wanted the manager to get involved. She said she would speak with the manager. I gave her my phone number and told her to have him call me if there is a problem. On XXXX/XXXX/XXXX, I had heard nothing from Citibank so I called Citibank Customer Service. I was connected to a call center. I talked to XXXX people. The first lady could not say why the issue/case had not been resolved. I asked for her supervisor. He promised to call me with 48 hours with status. I gave him my cell phone number. Later that afternoon, there was message on my phone to call a phone number ( which was in Iowa ). I called and a recording told me to call another number. That number just led me back to Citibank Customer Service. I never heard from the call center. A day or two later I called Citibank XXXX XXXX and insisted on talking to the branch manager, XXXX XXXX. He said he would open an investigation case. I said they already did that on XXXX/XXXX/XXXX. He said he needed to do it again. He asked me to send him a copy of the Citibank letter as an attachment to an email, which I did as soon as our phone call ended. I explained over and over how bad this was for Citibank to not have an automatic system for crediting my account as soon as the 90 days had passed, and how wrong it is for me to have to continue calling Citibank to get the money that was promised. On XXXX/XXXX/XXXX, XXXX XXXX called me and left a voice mail saying the case has been resolved, I will get the money in my account by Wednesday ( XXXX/XXXX/XXXX ) and he would call me then. I went into my on-line account on XXXX/XXXX/XXXX and saw messages showing the case had been resolved. I did not hear from XXXX XXXX on XXXX/XXXX/XXXX, so I tried to reach him by phone multiple times on XXXX/XXXX/XXXX. At noon, I left messages for him to call me, which he did late in the day ( but I was on my way home from work ). I call him again on XXXX/XXXX/XXXX, and he did call me back. However, he said now that he did not know when I was going to get the {$300.00}. He said he has to get the right person in the promotions department to approve the payment. He said he can only communicate with the promotion department via email, which he does daily. He said there were numerous promotion departments and neither he or his supervisor can call and talk to the people in the promotions department. I told him this is unbelievable. I asked him if his supervisor was aware of the situation and what I have been going through. He assured me his supervisor knew what was going on and there was nothing his supervisor could do. XXXX asked me to give him a few more days. I said, " for what, can you guarantee this will be resolved next week? '' He said no, but reminded me he is doing everything he could and would notify me ASAP. This is my current status as of XXXX/XXXX/XXXX.
|
| 03/24/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
My husband and I have had a credit card with Citibank since XXXX. We pay our credit cards off in full every month and have no missed payments. We 're great customers of Citibank.
In XXXX XXXX, they contacted us to say that the cards we have on that account needed to be upgraded to chip cards. We agreed. Unbeknownst to us, they closed our account and opened a new account on XXXX XXXX XXXX with these new cards. We did n't ask for that and that was never explained to us.
This severely impacted our credit score. That credit card was the longest standing card we had and a key component of your credit score is " age of credit history '' where the average length of time of each of your accounts is tallied. With that account closed by Citibank, that dinged our credit history and our scores fell.
We are trying to buy a house and this is a huge issue for us. The better your credit score, the better the loan you can get.
We have spent the better part of the last 18 months trying to get Citibank to correct this mistake. Every time we call and tell the story all over again, which I 've done 4 times now, they assure me it 's all fixed and in 30 days that information will be with XXXX and XXXX and it will all be fixed.
Then every time, I wait the 30 or so days and our scores do n't change. I call XXXX and XXXX and they assure me they have the latest information and that Citibank have n't corrected it.
I call Citibank and tell the story all over again and so it goes for 18 months now. The levels of sheer incompetence are staggering.
Then yesterday, my credit card gets denied at a store. This is the account that they opened with the new chip credit cards that started this whole mess. I call Citibank and they tell me that the account has been closed at my request.
I absolutely blew my stack.
I never requested the account to be closed and neither did my husband ; not on a call or in writing. The lady I speak to tells me that there 's a note to say that I requested this account closed on my last call. Which of course, I did n't do.
This will be reported to the credit bureau at the end of this month. This will send our credit scores down further. Citibank can make a request to reopen the account but in order to do that, they have to do a hard pull from the credit bureau. This also sends my credit score down further.
I ask to speak to a manager who tells me that the account was not closed at my request as the first operator told me, but they they closed it as part of trying to fix the original problem.
So here are my options as of today : 1. Have them attempt to reopen the account with a hard pull and if it 's approved, my credit score takes a hit but at least the account is still operational.
2. Have them attempt to reopen the account with a hard pull and if it 's denied, we take a hit for the pull and also the account being closed.
Both are bad for us and neither fix the original problem of getting Citibank to correct their original mistake of closing our XXXX account.
So, through absolutely no fault of mine or my husband 's, Citibank has cost us the chance of buying a house for the last 18 months because of their continuing ineptitude. They are unable to fix the original problem despite repeated assurances that it 's all been corrected. And now they 've plunged us into an even deeper hole by closing the account that wrecked our credit score in the first place.
And all they ever do is apologize for the inconvenience. This is not an inconvenience. An inconvenience is getting caught in the rain without an umbrella or waiting 10 minutes for an XXXX.
This is a catastrophic series of ineptitude and unprofessionalism that has wrecked the financial health of two loyal customers for the last 2 years with no end in sight.
Please make them fix this and pay for their mistakes because I ca n't get them to.
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| 08/19/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
Older American |
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In XXXX XXXX, I borrowed {$3500.00} from OneMain Financial, XXXX XXXX XXXX, XXXX XXXX, SC XXXX. I was told the monthly payments would be {$300.00} per month until the bill is paid off, and I was given a check for the {$3500.00}. When I received the loan papers in the mail, I read that the term was XXXX years, and I realized that by the time I finished paying off this bill, I would have paid {$22000.00} during the XXXX years. Soon after several months of paying XXXX per month, I increased my payments to XXXX in trying to get the bill down. But at the end of XXXX I noticed that for each payment, the bill was still not going down. I would pay {$350.00} instead of {$300.00} and they would turn around and charge me all of the {$350.00} for interest. I spoke to a representative, who told me that all I was paying was interest because the loan was compounded daily ( this made no sense to me ). I soon realized that I would never get the bill paid off. On XXXX different occasions, I found that I was not able to make my monthly payments and I called OneMain to see what I could do. They told me on both occasions that I could re-finance the loan and then I could skip the current month 's payment. This happened twice, until the principal amount that I owed became over {$8000.00}. I was not told this would happen, and I did not understand how this happened.
I am attaching XXXX payment statements that I could find, that shows where I making over-payments on this loan, and they were charging me interest in the exact amount of my overpayments ( {$350.00} ) See attachment.
As a result watching of an infomercial, I contacted a company called XXXX XXXX ( XXXX XXXX has been sued by you for unlawful business practices, and I feel that I was further taken advantage of by this company in this unlawful practice. They just changed their name from XXXX XXXX to XXXX XXXX, XXXX and continued to solicit money from me. They advertised that they could help you consolidate your bills and get a fresh start. They said they would contact your creditors and negotiate your debt and get it down, and negotiate debt settlement with your creditors. In hope that this company could help me get this bill paid, I signed on with this company to pay them {$260.00} a month, beginning XXXX XXXX, and they would settle this bill that the interest would not allow me to pay. I paid this amount through automatic bank draft from XXXX XXXX through XXXX XXXX.
In XXXX XXXX, I received a letter from XXXX XXXX, XXXX. vaguely stating that the company ( infomercial company ) that I was dealing with was not XXXX XXXX, that XXXX XXXX had gone bankrupt, and that I was to continue business as usual with them. The letter was so vague that I was left not knowing who " they '' are, referring to " your attorney. " I also received a letter in the same month from the Estate of XXXX XXXX, indicating that XXXX XXXX had been sued for illegal activity and forced to quit business. The letter said that I " have the right to get back any money that is with your attorney in a settlement account. '' I have paid to XXXX XXXX XXXX every month for XXXX months, and I would like to get back all of this money that I am entitled to. Then they said that there is {$00.00} money in my settlement account. Yet, I was notified over XXXX months ago that the account with XXXX was settled. I do n't know what happened to the XXXX payments for XXXX XXXX, XXXX XXXX, and XXXX XXXX in the amounts of {$260.00} each. And my XXXX question is, if the courts ordered this company to cease doing business because of fraudulent activity in XXXX, XXXX, why are they still drafting money from me up until XXXX XXXX, XXXX?
I feel that I have been taken advantage of and wronged by both XXXX XXXX ( or XXXX ) and One Main Financial, I am asking you investigate my claim against One Main Financial on my behalf.
Thank you
|
| 03/06/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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This complaint is against Citi Bank on a personal account. Back on XX/XX/2017 my car got burglarized between XXXX and XXXX. at around XXXX I became aware of some alerting texts from all my bank fraud alerts about illegal transaction taking place against my bank account and credit cards, as I was trying to understand why I then realized i did not had my wallet next to me and that I incidentally must had left it in the car or fell within my car, i jumped off my bed as it was Sunday morning and ran to the driveway where my car was parked and encounter my landlord who sadly express to me sorry the window on your passenger side its broken, then i turned back back into my room to get my cell phone and called police to report the burglary, the police instructed me to terminate the call with them and to contact all of my banks and credit card companies and to call them later since reporting to my banks and credit cards was more important. I did as the XXXX Police instructed me and I called Citibank immediately in regards to the matter and the events taking place and to place a fraud alert into my accounts as my wallet along with my IDs, credit cards and atm cards were taken, Citi representatives told me not to worry about it and that since I had placed the call immediately that they were going to credit back my funds into my account within 72 hours, to what I respond to them but I have written checks to people I need my funds to be refunded within 24 hours and that at the moment no charges had yet been incurred into the account, the representative told me that they were going to do their best, and that they were going to be following via correspondence with me and via telephone to track any changes in my account in view of the events.
I tracked via online access my accounts until they got blocked and requested me to input the new atm card information which had not arrived yet to me as it took more than 3 days to received. I followed with Citibank few days after the incident and noticed that Citibank on my personal account did not refunded the illegal transactions incurred in the fraud but instead they had incurred an overdraft fee of {$34.00} dollars in my account as the illegal charges had placed my account negative, I immediately the day after the burglary went to try to deposit cash and the personal at the XXXX Branch did not allow me to deposit cash into my account since I did not have my atm cards nor any form of ID except my check book from the account in I was trying to deposit the cash into so that no more overdrafts fees were incurred, but the personnel after been showed proof of the texts alerts that my account has been compromised and that through online access I could prove the ownership of the account, I still had to battled and request the branch manager to come and talk to me and after expressing and showing proof of the ownership of the account only then after escalating through management that I was allowed to deposit funds into the account to not incurred more charges. As of today 's date XX/XX/2017 the funds incurred in the fraudulent transactions have not been refunded and more insufficient fees and check returned fees have been incurred into the account that were trigger by CitiBank not doing what they said they were going to do. I just had another escalation via chat and then via telephone conversation and for the third time the chat and telephone conversation after been transferred several times to supposedly proper parties to assist me and correct the problem they proceeded to say please hold on while I take care of these issues and then the call gets terminated without a word or any other instruction for me to follow. so this is it ... I advise the representatives that if the problem persisted or follow the same deceptive practices this time I was going to make it public ... so here it is..
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| 01/26/2017 |
Yes |
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Web |
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We made a purchase at Best Buy ( XXXX ), XXXX, KS XXXX Phone : ( XXXX ) XXXX in XX/XX/XXXX in the approximate amount of {$2700.00} and financed this purchase in their 0 % interest for 36 months promotion. To make payments, we were required to manually schedule each payment on their website, which we did. We then made a separate purchase approx XX/XX/XXXX in the approximate amount of {$800.00} and financed this purchase in their 0 % interest for 18 months promotion. During this transaction, the sales representative assisting us at the Best Buy store, as well as a supervisor, advised us that we were able to have two separate purchase promotions at the same time, and that when we made our payments, the payments would first be allocated to the first purchase promotion to fulfill the agreement and then subsequent payments would be allocated to the second purchase promotion. After carefully reviewing our account transactions, it appeared as though this was properly occurring. In XX/XX/XXXX, XXXX sold their Best Buy credit card account services to Citi. Our account was affected by this and payments were not being processed properly from this point on. Representatives that I spoke to on the phone stated that there is a possibility that during the merger/buy-out, our account could have experienced errors. While reviewing our account transactions, we made payments on time and adequate amounts to fulfill our financed amount within the agreed 36-month term. In further review of our account, payments were improperly allocated by the company ( or their system ) to the wrong purchase promotion, causing the agreed upon promotion to expire before the purchase amount was paid in full. In XX/XX/XXXX, we received a bill which added interest for the entire 36-month financed promotion period, as well as interest for the second 18-month financed promotion period. We have attempted to make contact with the company on countless occasions, spoke to countless representatives, first line supervisors, account managers and yesterday, XX/XX/XXXX, to an alleged " Customer advocate manager, '' who refuse to give us solutions or to make things right with their consumer. Multiple representatives have stated in recorded phone calls, that the payments being made should have been posted to the first promotion purchase ( the 36-month promotion in this case ) until it was paid off and then subsequent payments would go towards the next promotion purchase ( the 18-month promotion in this case ). Contact with initial representatives advised us that they were unable to review transactions or account status ' that were beyond 6 months, and required me to submit a letter in writing to account services about the error/discrepancy because they were the only department that could review this past the 6 months. We submitted the letter requesting them to review our account and requested contact via telephone. After not receiving a response, contact again was made with their customer service department. After no progress was made with the initial representative, I requested a manager. This manager advised that there had been a note made in the account that a letter was sent on XX/XX/XXXX and then read the letter to me over the phone, stating that the request for refund for the 18-month promotion was denied. I advised this manager that the promotion in question was the 36-month promotion because that is where they added interest to my account, which directly affected the 18-month promotion. He, again, told me he was not able to review my account past the 6-month timeframe and told me I would have to submit another letter to the same place, asking for the same review, specifically citing the 36-month promotion issue. He also stated several times that any person I spoke to, would deny my claim, just as this letter has. More to this, unable to add text due to max
|
| 05/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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A couple of months ago I had contacted my mortgage co. to see if there is anything that I could do, such as a loan modification, etc, as I am currently on XXXX and am struggling to make the payments. I had missed XXXX payments 2 years ago due to illness, but have continued to make the payments since then. Although I have not received an official foreclosure notice, I seem to keep getting letters from XXXX different states implying that this is what is happening. When I ask them directly if this is what their intention is, I receive no response. This mortgage has gone from {$90000.00} to XXXX. I refuse to let them do this over XXXX payments that I am trying to catch up on, and was the reason that I had contacted them in the first place.
When I started this process a few months ago, I was assigned an XXXX, which I had seemed to find out later, that this person has nothing to do with any decision at all, but just sends emails and attempts to collect information. So far, I have not had any contact with the underwriter who apparently has my fate in his or her hands. The XXXX Specialist left after a few weeks, I was assigned another, and now am in communication with a XXXX. I have complied with all of their requests, needing at times to have information sent to them in a XXXX day time frame. I have done that. This week, I had received a folder delivered via XXXX in which they stated that they needed more information, and that the due date for this information is XXXX XXXX, 2015. I find this to be more reasonable, has it will take me more time to collect this information as I do not even have it myself. That was on XXXX XXXX. On XXXX XXXX, I received an email stating that this same information needed to be sent in by XXXX XXXX, in XXXX days, from the same company. I emailed them and told them that I would be unable to get this information to them, that I had already received a different date via the letter, from them and that I would honor the date on the letter, as well as being very upset about how this is being handled. The next day, I received an email from the Specialist, who is the only person I am in contact with, stating that he was the one that sent the letter, even though this makes not sense to me, and that the reason for the XXXX day period to submit information is due to the escalation that they are attempting to do with this issue. I did n't know there was an 'escalation. ' It states in the email ... 'If you can not send your documentation until XXXX XXXX, 2015 then I will need to close out my escalated case. I will still be assigned to your account and it can still be reviewed. ' It goes on to state that beyond that date would mean that it would be sent to another department, under that same persons supervision. Now, this may seem to be very simple, but in all of the communication that we have had, there is this quiet sense of veiled threat that if I do n't jump every XXXX minutes, that something is going to happen. What would have happened if I had not been available on XXXX XXXX to respond to the email that required information by XXXX XXXX, even though I had received the letters stating XXXX XXXX as the deadline the day before? I am becoming very concerned, afraid, and upset about the way everything is happening. I have no say in what is being discussed or decided, as I am not in contact with the actual people who are working on this. I think this may have been a very bad idea, although I thought I was doing the right thing. I am beginning to think that there are a group of people that are sitting around deciding how many hoops to have me jump through as quickly as possible so they can take away my home anyway, even though they are supposed to be 'helping ' me.
I need some help with this situation, as I really do n't know what is happening. Please send further information if possible.
Thanks
|
| 03/02/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania Zip Code Exempt, ( DMM XXXX XXXX ( XXXX ) ) Non Domestic, Real Land North America ( FINAL JUDICIAL NOTICE OF DISPUTE OF DEBT and REQUEST FOR DEBT VALIDATION ) CITY BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX , South Dakota XXXX Account Number : CITI BANK Credit card JUDICIAL NOTICE IS HEREBY GIVEN : Your office has listed a debt on my credit reports you claim I owe. Which I have no knowledge of, nor did I consent to opening this account. My identity was stolen after my wallet was stolen with my social security card and drivers license. The purpose of this letter is to dispute this debt, which I know I dont owe, and to demand that you validate it by providing the documentation and information requested below.
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) Accordingly, please provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification and or copy of any judgment ( if applicable ) ; 4. copy of and or proof that you are licensed to collect debts in PENNSYLVANIA 5. proof of the last payment made on the account.
6. Itemized statement of charges.
7. Original contract between creditor and XXXX XXXX of the family XXXX correct wet ink signature.
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware that I dispute the debt.
Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
|
| 07/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Solar was installed in XXXX of XXXX with a system ID of XXXX. Price was set at {$94.00} per month provided that the solar tax credits that I received from the state were given to XXXX by XXXX. The amount due at that date was {$8800.00}. I received a call on XXXX from a XXXX " rep '' telling me that I had a payment due of {$8800.00} on XX/XX/XXXX. I questioned it and they asked me to go into my portal where I could see the payment due. I told them I did not have the money for it and put it on a credit card. My credit card was Citibank Mastercard. Within minutes of the payment I received an email saying " thanks for the early payoff ''. I called XXXX back XXXX minutes after the credit card payment was made and requested a refund. The customer service rep told me that the payment was pending and to call my credit card company and dispute it. I asked for a letter telling me that XXXX would not block the dispute. They sent me an email confirming that they would not be blocking the dispute and apologized for the bad information given to me by the representative that forced me to make the early payment. There was a case idea generated by XXXX with the number XXXX. Citibank instituted a conditional credit on my account while they investigated the issue. The case was prematurely closed due to a clerical issue on XXXX and the charge reappeared on my statement. The dispute was reopened on XXXX through Citibank Mastercard where I was finally able to provide documentation of what had transpired with XXXX. I called XXXX and escalated this issue as this was literally fraud ( my being told that this amount was due when I had almost a full year on the terms of that portion of the contract ). Someone named XXXX XXXX was assigned to the case and served as an advocated for me through their billing and collections department. XXXX has a billing department to which you can not reach. I have never heard of a billing department without a phone number. XXXX on a recorded line has told me that their customers do not have the ability to speak to their billing and collections department. While Citibank was investigating the dispute, XXXX and XXXX generated a " one time '' courtesy refund for the full amount of {$8800.00} to my bank account despite informing me that the refund would be generated back to the original payment method. Upon receiving this refund, I immediately called Citibank and informed them I had gotten a refund so they advised me to close the dispute and just pay the bill. At the closing of the dispute, the full charge of {$8800.00} reappeared on my statement on XXXX. I then paid in full on XXXX. Citibank is stating a transaction ID of XXXX where they reversed the charge and reimbursed XXXX. XXXX is stating that they never received the payment and has now issued an immediate bill for the {$8800.00} again. This bill in currently due and interest and late fees might be assessed if not paid immediately. Neither Citibank nor XXXX will help me figure out where the money went between Citi and XXXX. Citi is maintaining that my statement of their reversal is good enough documentation that the funds were released to XXXX. XXXX is saying that they don't have the funds, period. In the interim I have requested that XXXX disable my auto-pay so that my bank account can not be auto-drafted this amount that I have already paid. That case ID is XXXX. Someone named XXXX XXXX has been assigned to my case from XXXX and thus far has not been able to get to the bottom or provide the resolution. Upon calling Citibank they will not provide me with the necessary documentation to prove that they have made payment on my behalf. Citibank continues to just maintain that they paid XXXX and that the reversal on my statement in proof that XXXX was paid. In the meantime XXXX has marked this as currently due and interest and penalty will be assessed.
|
| 07/09/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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XX/XX/XXXX my wife had purchased a new tablet for me approaching the holiday season. When checking her online statement we found that her card had been charged approximately five-thousand dollars in fraudulent charges and the card was maxed out. Our joy of going into the holiday season immediately turned to worry as this amount of money would financially ruin us. We called the number on the back of the card and the red flags began. The automated phone system had absolutely no way of talking to a live person and reporting the fraud. The phone system was very limited in help options and would hang up on you after a short time. After multiple call attempts we finally determined that we could get a person on the phone after a long process of mis-dialing the account number. About a half hour into calls we were able to get an agent on the line and explain the fraud we had found on the account. The agent stated that we could not report fraud on the phone ( what!! ) and that we would have to submit a form that would be mailed to us and it could take up to 30 days to receive the form. I asked if the form could be e-mailed to me or at least expedite shipped in any way. the agent stated that we had no other recourse than to wait for the form via mail. This was the next red flag. Our other credit cards have clear and easy was to report fraud, flag fraudulent charges, talk to a live agent for assistance, and open a fraud case immediately for quick resolution. This was not the case with this company. After waiting the 30 days for this mystery fraud form to arrive, nothing came ... We repeated calling again and navigating the cumbersome call system. We again got an agent on the phone who said they would be mailing us another copy of this fraud form to be filled out. After about another 30 days to the day we finally received the form we had been waiting for. At this point we are XX/XX/XXXX. It is almost 2 months in and we had not even been able to begin the investigation. We filled out the form carefully and in great detail. The form was submitted and we waited for a response. The form stated the investigation could take up to an additional 60 days. We were continually receiving statements for the entire balance owed on the maxed out account. She asked me what to do and I did some research on the FTC website. I told her not only to pay them, but to pay the entirety of the legitimate charges on the account so that when the fraud case was resolved we would have a zero balance and could easily close the account ; about {$800.00} which included various add on fees and late charges. We paid and waited. Again nearing the deadline of the 60 days we finally received a letter sating that the fraudulent charges were removed from the account ( Yay! ). Soon after we received another statement that said we owed more late fees. We called.. again.. And found that the credit card company had opened an alternate account in my wife 's name and the fees were something having to do with the fraud account. Our response to them was very clear : " TELL US ANY BALANCES OR FEES WE OWE ON ALL ACCOUNTS IN HER NAME, WE WILL GLADLY PAY THEM BUT CLOSE EVERY ACCOUNT. WE DO N'T WANT TO BE AFFILIATED WITH THIS CARD OR ACCOUNTS ANYMORE.. '' We paid the fees and assumed we were closed and done. Not quite.. We soon started receiving statements that we had a negative balance and were owed the money we had just paid for Fees. We assumed they would eventually send us a check if they felt like. Now in we are XX/XX/XXXX, 8 MONTHS AFTER THE FRAUD, we just received a statement on a closed account saying we now went from a negative balance to owing {$19.00}. We called again ; The agent said she does not know how this happened the account is clearly closed and not active. Why are we still getting statements?? I just want to be done with this. When does this end??
|
| 10/05/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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XX/XX/XXXX, I opened a Brooks Brothers Platinum MasterCard account with XXXX XXXX. From the time I opened the account until the time the account was sold to Citibank Retail Services XX/XX/XXXX, I used this credit card as my daily use card, and during that same period I charged approximately {$30000.00}. Also, during this time, I typically paid my monthly balance in full, and on the rare occasions I did not, I always paid a significant amount of the balance owed.
Sometime in early 2015, which was when the Brooks Bros. portfolio was still held by XXXX, my credit card was skimmed. It took several months before I discovered this had happened, but the moment I did discover it, I immediately notified Synchrony. As such, XXXX blocked the card and initiated a fraud investigation to assist in relieving me of those charges that were fraudulently made. However, due to XXXX 's stellar customer service, a bulk of which is outsourced, XXXX somehow got the notion I was disputing the account 's existence and was seeking reimbursement for {$30000.00}. Because the account was opened for months and because the balance was consistently repaid, XXXX denied the fraud claim.
XX/XX/XXXX, all Brooks Brothers accounts were transferred to Citi Retail Services ( CRS ) because XXXX lost the account. While words can not express how happy I am that this has happened, I remain stuck with fraudulent charges. Because I no longer have online access to Synchrony 's online statements, I am unable to view the statements so that I can provide Citi with an accurate accounting of the charges I never made or authorized. When I contacted XXXX to obtain the statements, they referred me to Citi, stating they no longer answer question about or service the Brooks Bros. portfolio. I was not surprised that they passed the buck.
I initially contacted CRS about this issue in XX/XX/XXXX, just a few weeks after they took over the portfolio. Since that time, I have made about a dozen calls to CRS requesting these statements. I have also requested them online using Citi 's online account servicing. I 've spoken to countless individuals at Citi, confirmed there are copious notes on my account relating to this issue, and was even told that my request was being passed along to the individual who is acting in the capacity as a liaison between Citi and XXXX during this transition process. As recently as a week ago, I contacted Citi and again requested statements ranging from XX/XX/XXXX.-XX/XX/XXXX. However, in the three months since initiating contact with Citi -- and a total of six months since I first alerted XXXX of this situation -- the charges remain on my account and I have still not received the requested statements.
In fact, I will point out that I have contacted Citi so many times both via telephone and online, each contact relating to the issue at hand, Citi 's Early Warning/Fraud Dept. has blocked my account and required me to complete a verification to confirm I 'm the one making these requests. At this point, I 'm reluctant to make any additional contact out of fear that my account will once again be blocked or possibly even closed. I certainly do n't want to deal with another account disruption, and the last thing I 'd want to ever happen is to end up with my account 's standing jeopardized simply because I 'm requesting statements.
While I have repaid these charges, I only did so in order to protect my own credit rating and to maintain my account 's good standing with Citi. However, I have essentially given the criminal who used my account a pass because no one has been held accountable, and I am out of approximately XXXX- {$6000.00}, which is the total amount of the unauthorized charges.
Please note this complaint is not really against Citi because I am all but certain if they had the statements in their possession I would have received the
|
| 10/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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Web |
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Because I was unhappy with my current bank, XXXX, and have two Citibank credit cards, I opened a checking and savings account at Citibank on XX/XX/XXXX. Currently there is a combined balance of approx. {$9500.00}, mostly funded by direct wires from my XXXX XXXX
I registered and was approved for XXXX XXXX on XX/XX/XXXX with a {$2500.00} daily limit ( I think ). I tried to use XXXX to transfer money into my XXXX account on XX/XX/XXXX, at least three times on XX/XX/XXXX, and at least twice on XX/XX/XXXX. See attachment B.
Each time I tried XXXX, the service was denied, then cancelled and fraud alerts were placed. Except for {$11.00} to XXXX and when I inadvertently XXXX money between my Citi accounts. I appreciate how continually trying to XXXX an outside account the daily limit, even if it is my account, looks suspicious. Instead of not using the service, I grew frustrated and tried again and again. I was trying to transfer funds to XXXX bank because I needed to show ample funds in one account for a lease application.
That Monday, XX/XX/XXXX, I went to a Citibank on XXXX XXXX at XXXX XXXX XXXX in XXXX to make a withdrawal of {$2500.00} to deposit in my XXXX account. I was denied.
The teller said she did not have my signature on file. I signed a signature card and emailed it on XX/XX/XXXX.
I was told my drivers license was suspicion because it was out of state. Many people who live in XXXX have CT Drivers Licenses. That was the ID I used to open my Citibank accounts.
I was told my drivers license name was a mismatch. My Drivers License and passport say XXXX XXXX XXXX. My Citi accounts say XXXX XXXX. Perhaps it goes back to my first credit card from XXXX and I used the name XXXX in the box for first name and XXXX for the middle name? It was never an issue with Citibank for XXXX years.
I was told I used the incorrect pin number. That is possible, I have three checking account, XXXX, XXXX, and Citi. The first attempt may have been wrong, but the second or third was not.
The bank XXXX said my account was blocked over the weekend after my attempted XXXX activity. Moments later the fraud department told me a 48-hour freeze was placed on my account. My funds are still blocked, my account is closed or is being closed. I was told many times a letter was sent, which I never received.
I funded the savings account in XX/XX/XXXX, with an {$8.00} XXXX transfer from my XXXX bank. On XX/XX/XXXX I transferred {$1.00} XXXX into my Citi checking account from XXXX XXXX. On XX/XX/XXXX another {$500.00} was added to the account from XXXX. I had not tried to access the account until XX/XX/XXXX, I went to a local branch because I did not have the pin number original sent to me. They local branch gave me a temporary debit card and I withdrew {$400.00}.
The XXXX payment was from XXXX XXXX XXXX account. We lived together over the summer. I helped him with his unemployment claim. I mistakenly added my account number instead of his. When we realized this error, it was fixed and I re-payed him {$500.00}. See attached E. This was questioned by a someone at Citi on XX/XX/XXXX. I was told to go to a branch and put his name on my account. However, I do not know if that was what led to the account block and closure because it was six weeks before the episodes in discussion. Anyway, while XXXX and I were scheduling time to go the bank, I called Citibank to confirm and that the pertinent information would be in my file. I was told that was no longer an option and my account was closed. They read me a statement and said a letter explaining why my account the decision was sent, which is yet to be received. I do receive bank notifications, but I am denied online access, and have not read them I have no negative marks on my checking account history. I have no fraudulent activity on any account, ever. I need restored access to my funds.
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| 03/19/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I am filing this complaint against XXXX XXXX XXXX, XXXX, AS ASSIGNEE OF CITIBANK , N.A ., XXXX XXXX XXXX XXXX XXXX, and CITIBANK, N.A Background : I opened a Citibank credit card account on XX/XX/XXXX. Due to unplanned circumstances, I was unable to make the minimum payment. I tried unsuccessfully to work with Citibank. My last payment towards the outstanding balance was in XXXX, XXXX. The account was charged off in XXXX, XXXX, and sold to a collection company. I tried to work out a payment plan with the collection company. They wanted two lump sum payments that I could not manage. XXXX was the last I heard from anyone regarding the account until I was served a COMPLAINT FOR DAMAGES lawsuit, on XX/XX/XXXX, from an attorney representing XXXX XXXX XXXX, XXXX.
There are two parts to my complaint.
First Part : XXXX XXXX XXXX, XXXX failed to provide me with a Written Notice of Assignment of Debt. As a result, I was not aware of my right to validate and/or dispute the debt. XXXX XXXX XXXX, XXXX, is a DEBT COLLECTOR as defined by the Fair Debt Collection Practices Act ( FDCPA ) and as such, are required to comply with the Fair Debt Collection Practices Act ( FDCPA ), Section 1692g. Validation of debts III. LII U.S. Code Title 15. COMMERCE AND TRADE Chapter 41. CONSUMER CREDIT PROTECTION Subchapter V. DEBT COLLECTION PRACTICES Section 1692g. Validation of debts ( a ) Notice of debt ; contents : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debtcollector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Second Part : According to the Florida Office of Financial Regulation, neither XXXX XXXX XXXX, XXXX, nor its affiliate, XXXX XXXX XXXX , XXXX, is a licensed Debt Collector in the state of Florida.
XXXX XXXX XXXX, XXXX provided the Court NO EVIDENCE that Plaintiff complied with the FLORIDA CONSUMER COLLECTION PRACTICES ACT, ( FCCPA ), with regards to the sections listed below.
a.559.553Registration of consumer collection agencies required ; exemptions.
( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration.
b.559.715Assignment of consumer debts. This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. ( History. s. 1, Ch. 89-69 ; ss. 6, 13, Ch. 93-275 ; s. 3, Ch. 2010-127. )
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| 08/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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On XXXX/XXXX/XXXX I submitted an online application for a Citi Double Cash XXXX. I have excellent credit, and minimal debt so I was surprised when my application was n't immediately approved. Instead, I received an online notice and subsequent email confirmation indicating my application was received and Citi would be in touch within a week. On XXXX/XXXX/XXXX after waiting a week and hearing nothing from Citi, I tried to check my application status online through the link provided in the email confirmation. The application ID was autofilled based on the link in the email, and I entered my zip code as requested ; I received an error message indicating the information does not match Citi 's records. After a few tries, a message appeared indicating my request could not be completed, and that I should call XXXX for further assistance. I called the number and entered my SSN into the phone system when requested. The system advised that there is no indication that an application with my information had been received. After trying a few more times, my call was transferred to an agent who was able to locate my account, but indicated that a letter had been mailed to me and she was unable to take any information from me or to process my application at that time ; I needed to wait for the letter. The agent indicated that the letter was just mailed, and could take 7 days to reach me. I hung up, frustrated that I 'd wasted a week and did n't know why my application had n't been processed. I finally received the letter in the mail on XXXX/XXXX/XXXX. The letter says : " We 've stopped reviewing your application. Thanks for your interest in the Citi Double Cash XXXX account. We ca n't finish processing the application because of the following : We could not verify the accuracy of the credit information on your application. In order for us to continue processing your application, please call us at XXXX .... If we do not hear from you within 30 days from the date of this letter, we will be unable to give your application further consideration. '' I called the telephone number provided in the letter ( the same number I 'd called the week before, when I was told I had to wait for this letter in order for my application to be processed ). Again, when I entered my SSN the system indicated there is no record of my application. Again, I was transferred to an operator who apologized and indicated that a letter had been mailed to me, that it would take 7-10 business days to reach me, and that she was unable to process my application until I receive the letter. She also indicated that Citi was unable to verify my address ( the address on my application, and the same address at which I had received the letter ) nor my telephone number. I was told that I could not verify my address and/or phone number by phone, and that Citi will require me to provide documentation. The agent indicated she was unable to tell me which information would need to be verified or what documentation I would need to provide and that I needed to wait for the letter.
My credit score has been impacted as a result of the inquiry ( which appears on my credit report, despite the fact that Citi 's system ca n't find my SSN when I call ), and although it appears that Citi is concerned about Identity Theft based on a discrepancy between the information I submitted and the information in my credit report, I have no idea what that is or whether I should also be concerned. In addition, after two weeks and two very frustrating phone calls, I do n't know what information Citi needs in order to process my application, and I do n't have any idea how long I 'll need to wait in order to obtain a decision. And given the less-than-stellar experience as an applicant, I am not particularly confident in Citi 's ability to service my account, should my application be approved.
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| 02/08/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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This complaint centers on my request for hardship assistance for a Heloc which was originated in XXXX. CITI Mortgage and their third party broker whom they had a working relationship with, misrepresented the terms, true costs, risks and the appropriateness of the true terms of this loan. They claim that the terms and conditions were quote " discussed '' with the broker in order for them to fully explain the complicated hidden details of this interest only loan, which in today 's climate would be non conforming for obvious reasons. This was never done, and I now find myself with a payment that went from {$1000.00} to {$3100.00} per month which is unsustainable.
This complaint centers on how this file has been handled since I reached out to CITI for hardship assistance in XXXX of XXXX, or over 6 months ago.
Citi sent me a letter prior to this unexpected payment increase which advised me to seek help from them if I felt that these payments would cause a hardship. I submitted a loss mitigation application shortly after my initial phone call to them in XXXX of XXXX.
I have been given the runaround from them from the beginning of this process while seeking options to avoid default and save my home. I have been continually submitting requested documents for over 20 weeks with no end in sight. CITI has kept me in the dark as to what documents are legally required for them to complete my request for assistance. A number of these document requests are not even applicable to my circumstances. Furthermore there have been requests for documents that I had already submitted, and this has caused this review to pass the 6 month mark which has caused me to go into debt as I have had to start paying bills by credit card. They have never explained in plain language the purpose of some of the document requests and how they pertain to my request for assistance. An example of this is their XXXX requests for a signed letter explaining where and when I spend my time in relation to my properties. When I filled out my initial hardship application I specifically stated that the subject property is my primary residence, however they continue to ask about my daily movements in relation to my properties. Requests such as this only continue to slow down the process when time is critical for me to avoid default. They just continue to burden us with excessive and duplicate paperwork requests. I also get confusing and conflicting information as In their latest request for documents sent on or about XXXX XXXX, On XXXX hand this letter stated that the documents were due by XXXX XXXX to avoid this file being closed. However I received an email from XXXX XXXX on XXXX XXXX which advised me that these same documents were due on XXXX XXXX. So on XXXX hand the letter allowed 30 days and yet XXXX email had a due date of only 5 days! CITI turned this file over to XXXX and he was assigned to be my single point of contact in case I had important questions or needed clarity on items such as this. There has been a complete lack of communication by the Citimortgage representatives from the start and I have been assigned multiple representatives during my application process. In their letters to me, it always states that XXXX XXXX is my single point of contact and that he can be contacted directly with any questions. Unfortunately this has not been the case with XXXX XXXX. He initially called me when he took over the account and he assured me that he would be available and remain in contact with me through this entire process.
I have tried to call him directly on numerous occasions and have even left emails with him requesting that he call me. He has failed to do so which is very frustrating. I am trying to avoid default and they do not seem to care. I need finality XXXX way or the other soon. Thank you, I will keep the Department updated on this.
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| 10/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have twice tried to resolve a billing dispute for {$2300.00} ( See Receipt ) for a two week cottage rental from XX/XX/2018 through XXXX and a private merchant on the site. I have proved my case to Citibank credit card billings dispute services based on their criteria that the quality of a rental cottage was significantly different than what was described, most recently onXX/XX/XXXX. My case included a clear certificate of the poor quality as requested by the credit card plus other significant evidence based on their criteria : Proof of what was expected versus what was received. Examples of proof would be a sales slip, certificate of quality, newspaper advertisement, or an itemized bill. ( See XX/XX/XXXX request for docs ) I sent a clear certificate which stated the house was infested with fleas and would be so for the whole of my stay regardless of any treatment undertaken. I was offered only two days refund during my stay which made it impossible for me to leave, and then was offered 4 nights refund on XX/XX/XXXX, a day after I had vacated the property on XX/XX/XXXX at the end of my booked stay. I refused as I was asked to sign a statement saying I would take no further action in complaint. I did leave the property for the last two days of the stay, having had various pieces of rented watersports equipment safely returned to the vendors after which I was able to leave the house and the area overnight. I still have not been compensated for the flea sprays costing {$60.00} and launderette costs of {$60.00} which were necessary in my first week at the merchant 's cottage. I might have been able to leave the cottage earlier had the merchant offered a more appropriate refund but they did not and so I had to stay or incur further unreasonable credit card charges and at that point I had no assurances that the merchant would refund me. I don't see why I should be denied a refund after clearly being sold a bill of goods that I was essentially 'forced ' to receive? The credit card services should refund me based on this. ( See XXXX XXXX proposed refund ) I was told later when the dispute was resolved against me that because I accepted the services ie I stayed in the property, despite the quality, that I can not make a valid claim. We determined that the service for which you were billed was provided. They also stated incongruously that Your dispute involves the quality of service provided and service provided and we have no recourse with the merchant for this type of dispute. Why did they ask me to provide evidence of the quality if this was the going to be deemed invalid? ( See XX/XX/XXXX 1st refusal ) This is unfair, I was not ever offered an adequate refund during my stay in order to allow me to leave the property for the two weeks. Surely having a complaint of this nature involving accommodation in which the refusal of would render one homeless, in effect, for the period is recognized as different from one where a faulty piece of merchandise can be returned immediately with no serious effect on the buyers living conditions or wellbeing. Was I expected to live in my car for the two weeks? If I bought a sweater that was infested with moths, I would clearly deserve a refund. How is this different?
Citibank have stated as the man reason for refusing my claim ( see above and below ) that they were not able to charge back the merchant as a result of their regulation, 'Please contact the merchant directly to resolve this matter, we have no recourse to recover these funds ', however I dont feel this is my responsibility or should have any bearing on my case for a refund. I should be eligible for the full refund as I was sold a bill of goods and have proved my case beyond doubt according to their criteria for a full refund regardless of how they able to proceed with the merchant. ( See 2nd refusal XX/XX/XXXX )
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| 03/17/2017 |
Yes |
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- Unsolicited issuance of credit card
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Web |
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On XX/XX/XXXX I was misinformed by a Macy 's employee at the XXXX location that the Macy 's Credit Card was a " Rewards Card '' that was in no way a credit card. Was told that i would need to activate the Rewards Card later when i received it in the mail, which i never did receive. The employee told me if i signed up with the card i would receive a discount on the item i was looking to buy as a XXXX present, since it was initially out side of my price range. I handed this employee my debit card to pay for the item, she took the card and came back with a receipt for my signature. Today, XX/XX/XXXX, I received a call from Macy 's advising my credit card balance was past due. I stated that i did not own any type of credit card, let alone a Macy 's Credit Card. I explained how i was misinformed by the employee at the store and that I had never received the card or read any disclosure about a credit card. Then the customer service representative who contacted me transferred me to the Fraud Dept, then they transferred me back to customer service and so on for almost 2hrs. Multiple representatives stated, on recorded lines, that they apologized i was misinformed and that their employee committed the error. So Macy 's has admitted on a recorded line that they made a mistake and i was misinformed. During the absurdly long phone call I had time to read the entire " Department Stores National Bank Credit Card Disclosures '' from Macy 's website. I found on the last page that i fully qualified under the section " Your Rights If You Are Dissatisfied With Your Credit Card Purchases '' to not have to pay the remaining amount due on the purchase. Below is the section I am referring too ; " If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true : 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than {$50.00}. ( Note : Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services. ) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at : Department Stores National Bank XXXX XXXX, OH XXXX '' I brought up this section of the agreement and was told by one employee that she did not know that was on there and that she thought i was the first person to ever read it ... So she transferred me to the 7th customer service rep, XXXX. XXXX stated that because the agreement was signed the balance is owed, when i brought up that section in the agreement ( since she just stated that was the one i signed ) XXXX told me that I may qualify but i need to submit this in writing and that it would take them 30-60 days, but during this time I would continue to be credit reported and even if they do reach a resolution that odds are it would not benefit the customer. She also told me i was already being credit reported. So with the mindset that Macy 's was negatively credit reporting me, I paid the {$63.00}. I then asked for XXXX supervisor because of how aggressive and mean she was. The supervisor then said i was not being credit reported yet, and that they would not credit report me if i did submit this in writing as expressed in the contract. She then said because i just paid on the phone i no longer qualify for term # 3.
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| 10/02/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
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|
Web |
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During the years of XXXX Citi sold many charged of accounts with already inflated puffed misrepresented fraudulent amounts as and with the principle my account happened to be one of those accounts it was a little over {$3000.00} Citi inflated it to over {$6000.00} in a little amount of time. The CFPB contends that, If you had a Citibank credit card between XXXX XXXX, XXXX and XXXX XXXX, XXXX and Citibank raised the interest rate on your credit card due to a delinquent payment or default on your credit card you may be included in the Citibank Credit Card Class Action Lawsuit Settlement. Also Citibank customers to get refunds, debt forgiveness under settlements over allegedly illegal debt collections XXXX XXXX and XXXX XXXX, Citi overstated the interest rates on nearly XXXX card accounts that it sold off to XXXX different debt buyers. Inflation of the principle of the debt by citi illegal and very aggressive debt collection practices purchasing inflated debt without correction also my brother harassing and using his address and as a false person in fradulaent proof of service The second CFPB action is an order to comply with a New Jersey state court order to refund money collected from consumers due to the alleged altering of affidavits, as well as the court 's order to stop collecting an additional {$34.00} XXXX in debts. CFPB is ordering the XXXX debt collection law firms involved in the case to pay a total of {$80000.00} in penalties to the bureau 's Civil Penalty Fund. Im in California and though the CFPB as well as court 's order Citi and debt collector to stop collecting an additional {$34.00} XXXX in debts. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has breaking the willfully has done this to me I am still being affected by these practices falsifying documents, altering documents altering affidavits documents filing false. XXXX XXXX XXXX purchased these inflated debts from Citi one or two of the XXXX debt collectors Citibank sold these already altered and falsified document with already inflated principle to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX continued to use these inflated amounts as the basis in filing lawsuits with these false and inflated amounts as a basis on top trying to collect these debts and also lawyer fees and accurals that were totally wrong and to make matters worst continuing after being reminded that UNIFUND and there lawyers are breaking the law tricking courts and sheriff department filed wrongful writ of execution for bank levy all of this while using false altered documents false affidavits possibly robosigned false principle amounts that were used with false affidavits. XXXX XXXX XXXX, XXXX XXXX XXXX are sure to fail chain of title, no contract with the signature between the debt collector and I. They have n't proved this. XXXX must prove that : ( 1 ) it has the right to sue you ; ( 2 ) that debt is yours ; and ( 3 ) you owe the amount they sued you for. They have n't and are still trying to collect debt on this. They continue to willfully break the law even after being sued in class action lawsuits, fines and they continue. It is so unreal these guys are still in business. They know that they are wrong and they still try to get away with any and everything that they can. I am seeking they stop pursuing me. The thing that makes it easy for XXXX XXXX XXXX, XXXX XXXX XXXX to get prosecuted again is the track record. I am seeking that XXXX XXXX XXXX has there debt collecting bond revoked since they continue to disobey the law time and time again so willfully, For filing so many false and altering court filings XXXX XXXX group requires being barred and there Bar number revoked. I warned them through a cease and desist letter informing them that they are breaking the law by continuing to try to collect so instead of doing what is right by. ( THERE IS MORE TO THIS )
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| 05/20/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Full Complaint attached as Doc.
The purpose of the letter is to outline specific reasons of our full dispute of the information CitiMortgage has provided regarding this complaint and previous complaints. We are requesting a full escalation review of these issues with remedies of all powers available to the CFPB and federal law.
XXXX. CitiMortgage stated in their response they notified a third party of the service transfer of our home.
a. We disagree as the bankruptcy attorney for XXXX XXXX XXXX XXXX XXXX XXXX did not receive notice as he was working with XXXX XXXX, Attorney for CitiMortgage, Inc. on the Motion for Relief from Automatic Stay filed by CitiMortgage with a hearing date of XXXX XXXX, XXXX. CitiMortgage continued with motion fulling knowing the loan was sold on XXXX XXXX, XXXX ( Document Attached ). This motion followed previous multiple filings by CitiMortgage of Motions for Relief that denied by the Judge. XXXX XXXX was negotiating with CitiMortgage until reaching a deal on XXXX XXXX, XXXX the day before the hearing.
b. We believed CitiMortgage responded to the complaint with fraudulent copy of the letter based upon the information contained in the letter of transfer of services received in response to the complaint we submitted. This letter was printed after receiving our complaint and addressed to the attorney in an attempt to cover up that we were not notified as there is no proof of mailing or receipt. CitiMortgage did not provide any proof that the letter was actually mailed.
XXXX. All other communications from CitiMortgage were sent directly to our home. It is convenient for CitiMortgage the most important document containing Change of Servicer is only sent to the attorney with the message please forward to your client if you deem it appropriate. All other communication was sent directly to us including the Notice of Mortgage Payment Change dated on XXXX XXXX, XXXX, but the most important information of service transfer was not sent directly, but supposedly XXXX XXXX, XXXX four days earlier. XXXX notice was sent directly to our home.
XXXX XXXX XXXX was not part of the bankruptcy and did authorize any third party to receive her information. This notice of service transfer would have been required to be sent to her as well. CitiMortgage has admitted to not sending the notice as required by federal law. CitiMortgage did not provide Notice of Change of Servicer as required by federal law and we are requested a full remedy.
XXXX CitiMortgage did not provide XXXX Mortgage with loss mitigation status and documents and we now have to begin the entire process over with XXXX Mortgage. This directly opposes the mortgage servicing rules placed in effect by CFPB in XXXX XXXX.
XXXX. XXXX Bank states in their notice they became the new owner on XXXX XXXX, XXXX. ( Statement Letter Attached ) However, CitiMortgage continued filing motions with ongoing bankruptcy activity while not providing notice to the court they sold the loan. It is the same type of dual tracking of a foreclosure with loss mitigations options. This lack of disclosure to the court constituted a fraud of the bankruptcy court and a lack of good faith as a creditor in a bankruptcy filing. Additionally, the hearing filed by CitiMortgage set for XXXX XXXX, XXXX was a factor that ultimately resulted in the bankruptcy dismissal.
a. CitiMortgage filed Change of Payment with the Bankruptcy Court and Trustee on XXXX XXXX, XXXX raising the monthly payment over {$400.00} a month from {$1700.00} to {$2100.00} after selling the loan on XXXX XXXX, XXXX to XXXX Bank without any disclosure of this sale to the Bankruptcy Court or us, the homeowners another tactic to have the case dismissed after numerous motions rejected by the Judge to lift the Automatic Stay. The payment was just raised a few months earlier from {$1700.00} to {$1800.00}.
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| 12/05/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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Citibank is not allowing me to make payments, violating my privacy and harrassing a customer in good standing, claiming they need to verify my identity on my new Diamond Preferred Account. They have locked my account online and all other methods of access.
XX/XX/2016, I applied for a 0 % APR Diamond Preferred Card through Citibank. The card was granted and sent to me. I requested the card for a specific trip that I am currently on. I charged {$2400.00} to the card from a mix of XXXX and XXXX vendors. XX/XX/XXXX, I decided to make a {$1400.00} purchase from XXXX a XXXX vendor. The charge was delcined.
When the charge was declined I assumed it was likely due to some sort of protection mechanism that Citibank had in place since the vendor is from XXXX. A few days later I received 2 letters stating the card had been flagged for fraud.
I immediately called to get the card released and handle the misundertanding before I left on my trip. Upon calling, I found that ( oddly ) they had the wrong phone number on file ( a former number ) they were using that number to identify me and nothing else. ( Meaning they were sending a confirmation ID and since I no longer had the number they could not identify me ... despite asking me for another Citibank credit card I had on file with them and verifying all other information. ) I was told at that time I needed to either mail or fax in a copy of my social security number ( the entire thing ) and a copy of my driver 's license. I initially refused and stated that I believed I was a victim of internal fraud with Citibank. ( Citibank Diamond Preferred card : XXXX, number initially called. vs. my long time XXXX XXXX Citibank card : XXXX ) I declined Citibank Diamond Preferred 's request to send in a copy of my social security card and my driver 's license and immediately called the other number on my long-time card. The XXXX Citibank card customer service transferred me back to the Diamond Preferred Citibank card, confirming to me I was talking legitimately to Citibank. It was confirmed to me I had the right organization and attempted to make a payment online, and while I was able to link my XXXX account to my Diamond account. It would not allow me to make a payment on my Diamond Account.
I called them and confirmed I would NOT be accruing interest or late payments ... since I was not able to make payments to my account. They verified in fact I would not accrue interest or have any late payments logged since they were the ones holding my account.
They would not unlock my accoutn without the driver 's license and social security number. After much haggling and escalating the call ... I finally gave in and faxed my driver 's license and social security card. I called to confirm they received them. They had and told me to wait 5 days. I did and called again. At this time they said they could not confirm my identity still and needed more information. They gave me options, one of which was my utility bill.
Again, against my best interest, I wanted to get this resolved and sent them a copy of my utility bill. They told me to wait 5 to 10 days. I waited and then called back again. After waiting I called to verify the card had been released.
Incredulously. a week ago I found out that it was not, and it would not be released. They had a new request. They asked if I had credit cards with any other credit card providers ... XXXX, XXXX etc.? I answered that I did.
They then stated that to release my account and to verify my identity they would need the numbers of those credit cards and account numbers!!!! Incredulous, I stated there was no way I was providing that to them and informed them they were in violation of privacy.
I have been traveling the nation by vehicle and had hoped to find an in-person bank that I could go to, to discuss .. but they have closed branch
|
| 09/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
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Web |
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I am writing about the mismanagement of my home loan file since the inception of my application. Based upon Citibank 's errors and negligence I nearly lost my first home, was made to suffer an extreme and unnecessary amount of stress, and have been forced to take a much more expensive home loan. When I submitted my offer on my home, based on Citibank 's consent and their representations about the strength of my application, I removed my loan contingency clause in the contract, thus putting me at jeopardy of losing {$25000.00} during escrow. When my offer was accepted and it was time to close the contract within the scheduled time frame, Citibank went utterly silent. My closing date came and went with no confirmation as to my loan approval. Nor did Citibank provide any confirmation during a 14 day extension I was able to negotiate with the sellers.As i put together my offer for the house, I initially submitted an offer with my first loan amount in which I was pre-approved for {$460000.00} but after I learned the ballpark amount the owners were looking for, XXXX XXXX ( loan officer ) was able to increase my loan amount by {$22000.00}. I received multiple assurances from XXXX as to the strength of my loan application. After she sent me updated pre-approval with my new loan amount ( {$480000.00} ) she followed up with an email to me stating the following : " I hope you are able to convince seller/listing agent to accept your offer. '' I therefore submitted an offer on a house and removed my loan contingency with her verbal consent. After I submitted my initial offer, she followed up with a phone call to the listing agent and assured her, and the owners, of the validity and strength of my loan. Specifically, her XXXX XXXX, 2016 email stated " I just left XXXX [ listing agent ] another voicemail letting her know that you are a solid qualify and motivated buyer and we should n't have any issue with loan. I told her to call me if she or the seller have any questions regarding your loan profile/qualification. '' When the owners chose my offer, XXXX due to the increased loan amount and the follow-up by XXXX XXXX advocating the strength of my loan, XXXX they and I had a good faith belief that the process would be smooth, efficient and timely, as promised. We had been given every expectation that Citibank would be able to finalize the loan by our XXXX XXXX, 2016 closing date per XXXX XXXX 's email on XXXX XXXX, 2016. The closing date, XXXX XXXX, 2016, passed and I never received an answer from Citibank. Among the various errors and miscommunications, the lack of urgency and responsiveness from Citibank during my 30 day escrow period, with regards to the final approval, was particularly negligent. On XXXX XXXX, 2016 I finally received an email from XXXX XXXX XXXX at Citibank stating : " We heard back from the review committee and the Underwriter today and unfortunately the loan has been denied ... .the reasons for denial were ... 1. Insufficient income total obligations. 2. Excessive use of credit. I am sorry for this news, but let me know if you have any questions or want to discuss live. '' Again, this email was sent XXXX full business weeks after our closing date. By the end of the week of XXXX XXXX, 2016, I realized I was at jeopardy of losing my earnest money deposit in escrow of $ XXXX. Because of Citibank 's lack of responsiveness, I had to scramble to find another bank. That bank was able to approve my loan during my 14 day escrow extension. Unfortunately, due to the short turn around time ( and since I never had a final answer from Citibank, despite the strong, written pre-approvals ), I was forced into a significantly more expensive loan, with a much higher interest rate ( 4.3 % ). I have been harmed by Citibank 's errors, misinformation, delays and general negligence during my entire home-loan process.
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| 02/25/2016 |
Yes |
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Web |
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Dear representatives of The Consumer Financial Protection Bureau, I hope you are doing well in XXXX.
I 'm writing to you because I would like to get your cooperation. I 'm still experiencing some very serious difficulties with the Financial Institution " Citibank '' and their credit card My Best Buy Signature Master Card. I have been so patient with them but I ca n't take my problems with this credit card company anymore.
I finally received the copy of my Credit card statement that I requested around 31 days later after I requested.
XXXX XXXX, the representative of The Citibank Office of The President who was working with my previous complaint at the beginning told me when he spoke with me in a very rude way some things that were not nice when I spoke with him.
He said to me that he could n't help me any longer even I told him that I needed this copy of my credit card statement urgently to send it to my client in the state of XXXX for my trip expenses reimbursement.
I have also mentioned my problem with the credit card company about my XXXX Best Buy Certificates that were issued by My Best Visa Signature Credit Card ( XXXX certificate of {$10.00} and another certificate of {$5.00} Dollars ) but they were not accepted in the Best Buy Store when I took them there. They issued me XXXX Best Buy certificates, I printed them but they did n't work in the Best Buy store when I went there. They told me that they were not valid.
XXXX XXXX promised me that a supervisor was going to call me to address this issue. I was waiting for the phone call for many weeks.
Every time I called them to follow up, they just answer me with excuses and more excuses. I got also many false promises that a manager of The Office of The President was going to call me but nobody called me. Finally someone call me on XXXX. The name of the gentleman was XXXX XXXX and he spoke with my wife because that day I was working during a project in XXXX XXXX, XXXX and I did n't return home until the night.
I called him back when I returned from XXXX XXXX and I left a voice message in his answer machine. Nobody ever returned my phone calls or nobod ever called me back when I left voice messages. I continued calling but they told me to be patient that XXXX XXXX was not in the office until XXXX but he will call me when he returns.
I waited for his phone call but nobody ever called me. They were just ignoring all my phone messages. Finally, I spoke with someone today who was also very rude and she told me that nobody was going to call me anymore because they have spoken with my wife.
They lied to me saying that my wife agreed with the resolution provided by their credit card company but my wife told me that she said to them that she did n't know anything and she told XXXX XXXX to call me the next day and XXXX XXXX promised me to call me the day after but he did n't keep his word.
My wife is not an authorized user of my credit card, she ca n't make decisions about my credit card and she also believes that they are lying and they only said this to me with the intention to close my case on-purpose.
I have also waited for a disputed charge to be credited but have n't received the credit yet as they told me that they were going to issue me a credit even I 'm waiting for already several weeks.
I will really appreciate your help and cooperation in order to resolve this matter. Feel free to e-mail me or call me. I will be glad to provide you with the records of my phone calls showing how many times I attempted to call my Credit Card Company to speak with " The Citibank Office of The President '' but they just ignored all my phone calls.
I have called them around 30 times without success and I left around 6 voice messages for XXXX XXXX. I have the feeling that this credit card company sometimes does n't care about customers. Sincerely, XXXX XXXX
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| 07/01/2015 |
Yes |
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- Credit card protection / Debt protection
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Web |
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I am writing to inform you of unfair business practices conducted by Best Buy XXXX. and XXXX, XXXX On XXXX XXXX, XXXX, a fee of {$300.00} was charged to my Best Buy credit card. This surprised me, as I always made my payments on time and never had issues with Best Buy previously. I thought that this was a mistake made by the billing system, and that the fee would be cleared as soon as I made a payment in XXXX. However, this was not the case. On XXXX XXXX, XXXX, I contacted Best Buy customer service to find out why I had to pay this fee. After speaking on the phone for more than XXXX hours, the customer service representative told me that the fee was charged because I still had a balance on the account on XXXX XXXX, XXXX. I argued that there should not have been a balance on the card because whenever I bought an item, I always bought it with a " no interest in paid within 'x ' months '' offer. I would always calculate my monthly payment by dividing the price of the item by the amount of months I had to pay if I did not want to pay interest. The representative then transferred me to a manager named XXXX. The manager was not able to explain why an outstanding balance would result in a fee over {$300.00}. Then, the manager transferred me to the Corporation Department, which also was not able to tell me anything except to continue paying. Because I was seeing that this was going nowhere, and because I running short on time, I had to drop the call. A few days later, I began to look through my statements and discovered that I had been enrolled in debt protection since the day I opened the credit card, XXXX XXXX, XXXX. Now I knew that something is definitely wrong. I would never sign up for credit card protection because I would never purchase something over {$1000.00} and because I have a stable source of money from my XXXX payments due to being a XXXX, single mother. Also, I clearly remember the word " insurance '' never being mentioned when applying for the credit card at the Best Buy store. From XXXX XXXX to XXXX XXXX, I had been charged {$240.00} in credit card protection. Furthermore, before the fee of {$300.00} on XXXX XXXX, XXXX was charged, I only had an outstanding balance of {$230.00}. On XXXX XXXX, XXXX, I e-mailed Best Buy customer service, asking for an explanation for why I had credit card protection. That same day, I received a response that told me to contact XXXX to request cancellation for the debt protection program. On XXXX XXXX, XXXX, I responded that I will not request cancellation for something that I never signed up for, and that it is Best Buy 's responsibility to take the charges off my account. That same day, a customer service representative named XXXX responded and stated that he has canceled the debt protection and refunded the debt protection fees from XXXX XXXX to XXXX XXXX by adding a credit of {$17.00} to the account. To remove the charges before that, I would need to contact XXXX myself. I viewed this as Best Buy admitting to their mistake, and that the rest of its damage would have to be fixed by me. So, on XXXX XXXX, XXXX, I contacted XXXX and requested them to take the fees off the account. They said that I will receive a letter within XXXX days that will have the documentation required to do this. After waiting a little bit longer than the XXXX period and not receiving the letter, I contacted XXXX again and spoke to a representative named XXXX and requested that they take the fees off the account. Like the previous representative, she told me to wait XXXX days for a letter. To prevent a repeat of what happened the first time, I asked XXXX if she could send some sort of confirmation that the letter has been sent. She responded that her company offers no such service. After waiting through the XXXX day period again, I received no letter and am now asking for your help.
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| 04/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I applied for a mortgage on a home that was sold at a foreclosure auction in XXXX XXXX. I contacted Citibank and was assisted by XXXX XXXX who advised that she would expedite the application process due to the time constraints of the foreclosure purchase process. I submitted payment in the amount of {$760.00} for the application and appraisal report as requested by XXXX. I provided all my financials, proof of funds, copy of the contract, and was praised for my outstanding credit score and low debt ratio. However after 3 weeks of waiting, we were informed that the contract provided by the referee was not sufficient for Citibank. We provided the bank with a copy of the NY State XXXX citing the format of a foreclosure contract, and advised the bank that this was the only legal document permitted to be issued by the referee to me for the house. I did not get a response from the bank at all in regards to this issue. During this time, the attorney for city bank reached out to my lawyer to discuss a closing date! This was very perplexing as I had not heard back from XXXX. I was then contacted by XXXX XXXX, a personal processor at Citibank, who advised he would be reviewing my file and working with the underwriter to assist me. An appraisal was scheduled ( and paid for ), and performed on XXXX XXXX, 2016. The appraiser congratulated me on the impeccable condition of the home considering it was a foreclosure and advised that I would have the appraisal report I paid for in 1 weeks time. A week later, we were issued a document, seemingly called an " appraisal '', which contained only photos and reasons why the loan was being declined. This is not what I paid {$760.00} for. The format of the appraisal should have stated the name of the appraisal company employed to perform the research/inspection of the house on behalf of Citibank including the appraiser 's name and the supervisory appraiser 's name who reviewed the report and confirmed the appraiser 's analysis. In addition, the report should have contained the appraiser 's license/certification number. The report should also include the address/legal description of the house along with specific details such as the size, zoning, flood zone information, room count, etc. Most importantly, the appraisal report should have included a VALUE of the home based upon a sales comparison report of other homes that are most similar to the home I am purchasing. It should have included a minimum of XXXX houses. I received none of this information. Additionally, I was told that the loan was being denied due to Fannie Mae guidelines. I contacted a representative at Fannie Mae who stated that no such guidelines existed and that what I was being told was false. Then I was told that the loan was being denied due to the condition of the home, XXXX of the items being illegal partitions and bathroom in the basement. I went on the DOB website and pulled the approved permits for this work and forwarded it to the bank to show them that the work was in fact performed legally. I contacted XXXX and XXXX who then passed me off to XXXX XXXX XXXX XXXX XXXX, the producing Lending Manager / VP of Citibank who took all of my information and told me he would be passing it along to XXXX XXXX XXXX, XXXX Area Lending Manager of Citibank, who would call me to discuss. After 3 days of silence, and my closing date fast approaching, I reached out to XXXX with hopes that he would review all the facts and assist me. He told me that he did not receive the information I sent to XXXX ( emails that XXXX was also copied on ), and that the house was inhabitable and therefore they were denying the loan. As a foreclosure, what 's the bank expecting the condition of the house to be in? I am being discriminated against for no reason, and no one has the desire to assist me or give me a true reason for my denial.
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| 09/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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In XXXX 2012, we began a refinance process with Citibank on our condo at XXXX XXXX XXXX. We have XXXX complaints regarding the refinance. They are below. We would like each addressed.
1. Citibank used predatory and deceptive lending practices to close this loan. We were told more than once by XXXX XXXX that a XXXX refinance would not affect our PMI. He said the process is " outside '' of PMI and nothing changes. When my husband sent an email expressing concern about the cost of refinancing and said we wanted to do more research, XXXX XXXX sent the attached email, assuring us " we could only lose by not refinancing. '' XXXX This is an outright lie, please see below for estimate of how much we will lose. ] XXXX See attached email from XXXX 2012. ] I do n't consider an extension of a remaining XXXX payments to XXXX payments 'not changing ' and neither will any other reasonable person.
2. We were told we did not need an appraisal to refinance. When the closing agent came to our house, he had horribly low market values in the documents. I told him those were not accurate and I asked him where they came from. He told me to ignore them because they are meaningless and generated from some automated system for underwriting XXXX refinances. I started to hesitate again, but he continued to insist that " It affects nothing, do not concern yourself with these numbers. '' His response to my complaint about the value being too low was that system values are often low because they do n't account for things that would factor into a real appraisal like upgrades and location. We could n't see sq ft. or anything else that was used in the value. No advance notice of this value was given. We were given no chance to research or investigate it. We first saw it at closing. There are laws around this! Fast forward 3 years and we now know this is being used to determine our new LTV and when we can drop PMI! How can it be legal to use this artificially low system value? This is costing people XXXX. XXXX even have disclosures that the values are not to be used except for underwriting. Had we known it would affect our PMI, we would have paid for a full appraisal. Our property was under water, but not by that MUCH!
3. Contrary to XXXX email and XXXX letter XXXX See below and also attached ), this refinance was not in our best interest. By review of the loan amortization tables, if we hold this loan for 15 yrs we will lose XXXX $ XXXX on the refinance. Plus, as PMI is not deductible, we have lost tax savings. We can provide financial records from 2012 to prove that the reason for this refinance was not due to cash flow issues. In 2012, we had substantial retirement and LIQUID savings. This refinance was to save money long term.
4. See letter for XXXX the most grossly inaccurate statements I 've seen. XXXX explains how the investigation revealed this refinance was beneficial to us. In no way does that letter calculate an annuals 'savings '. Given I highly doubt Citi is going to write off the difference from the re-amortization of principle, you can only factor in savings from interest. And it needs to be offset by the add'l PMI payments and the cost of the refi. Are you duping others this way?
While not required because we refinanced as an investment prop, I want it noted that Citibank took away our only opportunity to catch this by not providing a PMI Disclosure and not including a payment schedule on the Truth in Lending statement. NOT GOOD BUSINESSInstead of being customer service oriented ( we have been long standing members for over 10 years, citigold customers ), they keep finding the loopholes. We do not do this as a business, we are just XXXX people with XXXX children trying to make ends meet. And instead of walking away like everyone else, we did the 'right ' thing, and Citibank took advantage of us in the process.
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| 12/12/2015 |
Yes |
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- Credit line increase/decrease
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Web |
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I applied for a Macy 's store credit card to help build my credit score. I was approved for a card with a credit limit of {$300.00}. I purchased around {$100.00} worth of items, and then for around 6 months made my minimum payments when the due date came around. I tried to enroll online to make payments online, but they could n't link the online payment option with my card, because they said the card number was n't valid. I called tech support and they could n't help me. they said their system was having trouble recognizing some of the recently issued card numbers. Unfortunately I do take ownership of being a few days late on a payment due date. Dot 30 days, around 7 days. I went to the store and made the payment, since I could n't online, or enroll in e-mail statements which I do for my other cards. At that time I had a XXXX balance on a XXXX credit limit card. About a month later I had never received any notification from Macy 's I had pulled my credit report to see how my scores were doing. I was shocked. Macy 's had dropped my credit limit down to what I owed on the card. It had probably dinged my score at least XXXX-XXXX points. I immediately went to the store and paid the balance down to half thinking, I will wait a few months and the damage would be fixed. I also called them about why they would drop someones credit limit before notifying them. No one could answer my question, or even cared. I actually finally did get a letter from them in the mail, about 45 days after they had already dropped it. This is terrible. If I had known by credit limit had been reduced, I would have immediately paid down the card. This could possibly cost a person XXXX 's of dollars in higher interest on a car loan or a home loan, because of the affect it has when someone owes what they can borrower on a credit card. Here is another nice part of this story. I was starting to get so mad about this, I decided to just pay the card off and possibly even close it. I called yet again to see if they would help me resolve this issue. Their only option was to apply for a credit line increase. I said no and paid the remaining balance to zero, on a card that now had a XXXX credit limit. I called a day later to verify the balance, and they said the online option should be working, so I went online to hopefully register the card, and hook up a bank account for future payments. It finally worked, and I noticed there was a document waiting for me to view. I clicked on it and guess what? They had dropped my credit limit to {$100.00} about 2 weeks prior. I still have not received that notice! Even though the account is now paid to zero, if that happened to weeks ago, it means my XXXX dollar balance was really close to XXXX and would have been reported already so yet again they have destroyed my credit score further. I plan on closing the account. I first want to try and resolve. After talking to XXXX people today, they are oblivious to what I am saying. I have been given an XXXX number which is closed, so I will try that. The second downgrade was supposedly an examination of my updated equifax score, which is funny because they are the ones that helped drop that score by twice, dropping my credit limit without any advance notice. I am furious, this has probably set me back 6 months or more on getting my credit score in a decent range. This is not acceptable or fair to consumers. If I were to try to finance a car today they have cost me thousands in interest. I probably could have got around 8-12 % range on a used vehicle. Now, there are places that probaly would n't even finance me, and the ones that would, would charge around 25 %, Thanks Macy 's store card and thanks to whatever bank issues it, and thanks for not resolving the issue. Do n't get a Macy 's card. I have others and have no issues with them dropping my credit limit.
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| 09/29/2015 |
Yes |
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- Advertising and marketing
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Web |
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I 've been trying to contact Citibank about a dozen times to resolve a " misunderstanding '' about the XXXX bonus points when I opened the Citibank XXXX Credit Card account.
Firstly, I was so excited to jump on the offer of " receiving XXXX bonus points when you spend {$3000.00} within the first 3 months '' thru the link online for XXXX XXXX because the offer had significantly changed from XXXX pts for first year & XXXX pts for XXXX year after spending requirement. I went through the application process very smoothly and was instantly approved, could n't be happier. There were no sign of rejection or disqualification on the bonus offer which was the only reason I decided to apply for the card at that time. I was aware that I had the card a long time ago and I was just thinking there 're nothing indicated that I was not qualified, so I was good to go. If there 's something, Citibank would have informed me already or send it along with the card.
Receiving the card with the Congratulations sign, I was so eager & really tried to meet the spending requirement. Nobody said anything ; everything went great until the day I wanted to use the points to book for my travel and nothing 's there. I 'd been trying chatting & calling customer services, opened the investigation and every time a different representative gave a different answer. I still remember XXXX, the one who I was chatting with on XXXX/XXXX/2015, rest assure me that the request had been processed : XXXX : at XXXX I would like to inform you that I can see there is a reward programme on your account, and I see that our representative has transferred the details of the reward points to the marketing team, and it will be updated on your account.
XXXX : at XXXX One thing I must assure you, that as the reward points has already been processed, it will be reflecting on your account soon.
I always trusted Citibank and I 've been a customer for a long time, but things had gotten ugly after that. Then they said I was not qualified for the bonus offer because of the 18 months timeframe, and the decision was made by XXXX Department, I asked for a chance to speak with XXXX and they said XXXX would n't talk to anyone!! It turned out there was no appropriate explanation up front, no consistency, transparency, no understanding and appreciation. Suddenly you 've been thrown under the bus, you felt that was unfair and shady and you could n't do anything out of frustration, all reps/supervisors said they could n't do anything either.
I just wished if Citibank had said something at first when I applied that I was approved for the card and was not qualified for the offer, or along with the card before I tried really hard to spend all of that for the offer that I 'd never get. The really frustrating thing is there are nothing in online banking showing the history just to let me know how long it 's been, and if I had waited just XXXX more month longer, 18 months frame would have passed then I would have been officially eligible. How could I know & all of this should n't have happened. As of now, Citibank are still offering the XXXX bonus points to customers, even matching the bonus with the XXXX first year and XXXX second year ( which only people who raise their voice may get and it 's still not fair ), there 's nothing to describe the disappointment to me.
I believe just like the bank has to provide notices for any significant change, it should provide appropriate notices for the promotion/ offer status upfront so customers know beforehand before they tried hard to fulfill their part to meet the requirement for nothing, and this is the only reason they apply for the credit card. The bank should honor the offer when it failed to notify the customers after causing so much confusion and frustration dealing with no appreciation from customer services.
Thank you,
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| 03/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Our home in Missouri will be sold XXXX XXXX. Aside from the usual issues - Yes, we have missed many payments & failure of CitiMortgage to provide a certified true copy of note, thus ensuring authority to foreclose, there 's other problems. In XXXX XXXX I sent a QWR ( Qualified Written Request ) to Citi addressing many concerns & questions about the account. I 'cc ' the name of husbands Chap XXXX attorney in the QWR. Citi sends half-assed response to him. Those concerns they choose to ignore is going to cost us our home. & gt ; I believe there has been a slow, methodic intent to put us so far in debt our only option is to loose the house. Beginning XXXX XXXX we agreed & completed a forbearance repayment w/ down payment & double payments. When we start to make regular payment Citi wo n't accept because there is no account to put payment to. Numerous times payment is rejected, there 's no account. From XXXX XXXX - XX/XX/XXXX we stopped getting mthly state-ments. We wondered how the double payments were being disbursed & asked over and over for an itemized report. XXXX XXXX we get statement and we 're XXXX mths behind. Citi could n't find the acct because it was never taken out of forbearance. We asked for an official explanation & got nothing. Their purposeful negligence, for which they never took any responsibility, put us in a position we never overcame. We just got done struggling w/ XXXX payments, getting the acct right & here we go again. We were in shock & disbelief. Now were just mad!! & gt ; For about a year they was n't to concerned about the accumulating debt. Then we started working on loss mitigation & loan modification applications. XXXX is a blur of constant submission of paperwork. Its been lost, expired or there 's a turnover of personnel. XXXX XXXX XXXX we finally have a completed app & they hope to have it resolved in 15 days. That 's the last we hear of that. We 're being referred to foreclosure & now our application is incomplete. We worked on a loan mod app for approx 18 mths & all that was offered was HAMP ( said the request was incomplete ) and XXXX repayment plans which amounted to XXXX payments every month. XXXX XXXX husband filed Chap XXXX and it was dismissed XXXX XXXX XXXX. On XXXX XXXX told going to be foreclosed on. & gt ; I thought all this new legislation was in effect to try & keep people in their homes. Citigroup is called on over and over about the way they do business & still they screw up peoples lives. We asked about a lower interest ( we 've been paying 10 % since XXXX ) Nothing. Found out the last double payment we made in XXXX was never credited to account plus there 's approx. {$750.00} that 's unaccounted for. XXXX XXXX to the present we 're charged for monthly 'drive by ' inspections. We were charged for XXXX appraisals in 7 months. Citi sent {$52.00} check w/ letter in XXXX stating late fees were not done in accordance w/ the note. I asked what were they doing then as opposed to how they calculating it now. No answer. Another reason they do n't want to work with us is our home appraised at {$75000.00} in XXXX XXXX. ( {$35000.00} in XXXX ) I 've asked for an itemized break down of pay-off amount. Did n't happen. I sent a debt validation letter XXXX XXXX asking for entire payment history. I got XXXX to present. What about the XXXX yrs prior? I have proof of XXXX of violations of servicing standards, cease & desist orders, TILA, RESPA and more. & gt ; We 've paid approx. {$55000.00} on a {$30000.00} loan. Over {$31000.00} is interest alone. Citi wants more than {$23000.00} for pay off. {$80000.00} for {$30000.00}. Something has got to be wrong with that. We live in small town & I ca n't find an attorney to file injunction in federal court to stop the foreclosure. I hate to think that they could possibly win this. I 'm starting to believe there is no justice.
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| 02/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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On XX/XX/XXXX I called Citicard to report fraud on our credit card that was discovered by me when collecting old Citi credit card statements for tax purposes. I discovered that back in XXXX, beginning on XX/XX/XXXX and ending on XX/XX/XXXX charges and cash withdrawals were made on our account from XXXX, XXXX, XXXX, and XXXX the total of these charges was XXXX. This, of course, does not include interest and cash withdrawal charges, which are high. I was told by XXXX in the fraud to send copies of all statements with letter and disputed charges underlined. This was sent out on XX/XX/XXXX. I was told it would be 90 days before resolution. After 90 days and no communication, I called again and after much difficulty was told by XXXX that they never received the information. Keep in mind, all this information is available to them from their own records. So I mailed them again on XX/XX/XXXX. I have verification that they in fact received the certified package on XX/XX/XXXX. On XX/XX/XXXX I received a letter by regular mail stating, in summary, that they had tried to get in touch with me for more information, but since they couldnt they used information they had which, and I quote, wasnt enough to resolve the dispute in your favor. Your dispute has been closed. I called them just as soon as I was able, which wasXXXX, and informed them that at no time did they make an effort to contact me either by home phone, cell phone, or email and that all these numbers and addresses were on file with them. I started out talking to XXXX who was very helpful, however, as often happens, we were cut off and when I called back, talked to XXXX. I explained again the lack of communication on their part and he apologized for the trouble and said he was reopening the case and resolution would take another 90 days.
Having had absolutely no response from Citicard I submitted a complaint to cfpb. That claim was presented on XX/XX/XXXX and assigned ID # XXXX. In response to this complaint Citicard actually contacted me by email, lied to me about having tried to be in touch by phone, ( though its very telling that they were willing to use email after the complaint was filed ), and requested answers to 11 questions. I answered those questions. They acknowledged receipt of answers with an email sent to me on XX/XX/XXXX. The email further stated, and I quote, Your communication has been received and will be reviewed with the highest priority. I never heard from them.
So, on XX/XX/XXXX I called yet again and spoke to XXXX. This person said they had not received the paperwork for the fraud. When I confronted her with the fact I had proof they were received, all of a sudden, after being put on hold, they were discovered. Then she told me that the case had been closed on XX/XX/XXXX. This is the case closing I mentioned earlier that was reversed. Also, I find it interesting that she would try to sell me on a case closure when Citicard had responded to my complaint 7months after this closure. In other words I was being lied to. The best I could get out of her was she would reopen the case. She was in quit hurry to get me off the phone so I let it go.
Today, XX/XX/XXXX I was for contacted on my land line with a message left. This message asked for a return call as they had questions. I returned the call a couple hours later only to be told AGAIN, that they had not received the paperwork. After again telling them I had proof they did in fact receive it, I was put on hold and told again that after looking further, they did in fact have it and that they would be contacting me. As they have given me every reason to disbelieve them and after 18 months of trying to resolve this, I am now filing an updated complaint. Thank you for your time and I hope you can help me resolve this issue.
See complaint filed XX/XX/XXXX for supporting documents.
|
| 02/11/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
After reading the latest actions, dated XXXX XXXX XXXX, that " CFPB has taken against CitiMortgage in regards to giving the runaround to borrowers trying to save their homes mortgage services kept borrowers in the dark about options, demanded excessive paperwork '', which is stated that took place in XXXX. The article also states that CitiMortgage must pay XXXX to wronged customers : CitiMortgage must pay XXXX to approximately 41,000 consumers who received improper letters from CitiMortgage. CitiMortgage must identify affected consumers and mail each a bank check of the amount owed, along with a restitution notification letter. We fall into the catergory of " wronged customers ''. On XXXX/XXXX/XXXX, we received a letter, " Notice of Incomplete application '', by CitiMortgage identical to the information that is in the CFPB report. A letter demanding us to submit dozens of documents and forms that had no bearing on the application or that the consumer had already provided. Many of these documents had nothing to do with a borrower 's financial circumstances and were actually not needed to complete the application. After we realized that we had received such letter ( s ) from CitiMortgage that violate the Real Estate Settlement Procedure Act, we became concerned will CitiMortgage take responsibility and really pay to the affected consumers. On XXXX/XXXX/XXXX I called CitiMortgage @ XXXX and spoke with a XXXX. I voiced my concern to him that due to the nightmare we have been through with CitiMortgage with the loan modification process, I do not trust CitiMortgage being responsible to settle as it states the the CFPB letter. I explained to him briefly about the letter and wanted to know how we can find out that we are part of the affected consumers. He put me on hold to talk to " upper management ''. After speaking to a lady he told me that she is not aware of any claim that the CFPB has against CitiMortgage. He stated that she said if there was she would of had training on it and she has had no training. He went on to say that the lady in upper management said all she was aware of against CitiMortgage is a wrongful foreclosure. I told him that this action against CitiMortgage had nothing to do with wrongful foreclosure. On XXXX/XXXX/XXXX I made another call to CitiMortgage to the same number with the article in hand. I again spoke to XXXX and explained to him in detail what the letter says and how there is no mention of wrongful foreclosure. He said that they are not aware of any such action against CitiMortgage for what I had mentioned to him. I told him that I was told by CFPB that CitiFinancial has already started paying out to the affected customers. He then says that it must just be CitiFinancial. I again explained to him that it says in detail CitiMortgage is part of this as well and mentioned how they are to pay back XXXX to affected consumers. He again denied that they have ever received any of the information relating to this most recent action. I told him there is no way that someone within CitiMortgage does not know something about this. He again told me they have no information on it. I then asked the name of the lady in " upper management '' that he spoke to on the call we had on XXXX/XXXX/XXXX. He said he could not remember. I asked do n't you have it in the notes. He opened our account and said no he did not put any notes about his conversation with upper management. I asked XXXX do yo want me to fax you the information from the article, he said yes and asked that I fax it to Research Dept @ XXXX. I not only faxed the information from the CFPB article, I also faxed a letter requesting all the " Notice of incomplete application '' letters for the years of XXXX. CitiMortgage continues to not take responsibility for their continuous deceptive acts or practices during a loan modification.
|
| 08/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
To Sir/Madam I am writing to file a formal complaint against Best Buy, specifically the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO. My complaint pertains to what I believe are misleading and deceptive marketing practices surrounding a recent promotion involving the Best Buy credit card and cashback rewards. As a recent transplant to XXXX XXXX from XXXX, my husband and I visited the aforementioned Best Buy store to make substantial purchases, exceeding {$4000.00} in value. During our in-store experience, a store associate informed us that by opening a Best Buy credit card account, we would be entitled to a 10 % cashback reward, called " rewards certificate, '' intended for new users. This reward, we were explicitly told, could be directly applied to reduce the balance on the credit card account. Given that I already hold credit cards with established cash back programs, including my XXXX XXXX, I was specifically interested in the Best Buy credit card for its promised 10 % cashback benefit. I went to great lengths to confirm with the associate that the cashback reward would indeed serve to reduce the credit card balance and not merely be applicable to future purchases. On each occasion, the associate assured me that the reward would indeed offset the credit card balance. In light of these assurances, I proceeded to open a Best Buy credit card account with an approved credit limit of {$4000.00}. Before finalizing my in-store purchases using the newly acquired credit card, I reiterated my understanding of the rewards with the associate. Once more, I was assured that the 10 % reward would effectively lower my outstanding balance by 10 %, resulting in a payment of {$3600.00}. However, upon receiving my Best Buy credit card statement, I discovered on the credit card website that I had been credited only {$360.00} in the form of " rewards certificates '' and an additional XXXX points. This sum fell {$40.00} short of the initially promised reward amount. To compound the issue, my attempts to utilize these rewards to make a credit card payment were met with technical difficulties. Subsequent endeavors to address these concerns with the Best Buy customer service department proved exasperating. My initial phone call was prematurely disconnected ( Attachment No. 1 ), and an online chat with an agent was terminated abruptly upon my mention of escalating the matter to the Consumer Financial Protection Bureau ( Attachment No. 2 ). As a XXXX XXXX in XXXX and a conscientious consumer, I am deeply troubled by such dubious marketing practices, which appear to be perpetuated by several companies in the industry. It is disheartening to witness that these practices persist despite my diligent efforts to seek clarity and confirmation prior to committing to the credit card account. While I regret that I can not recall the name of the store associate who provided me with the information, I can attest to her indication that she was pursuing her XXXX at a XXXX XXXX XXXX. I am prepared to engage with her in person regarding our conversation if it aids in the investigation of my claim. In light of the aforementioned circumstances, I am submitting a formal request for Best Buy to rectify this situation by disbursing the rewards as initially promised, in the form of a {$400.00} cashback. This sum should be applied directly to my existing credit card statement balance of {$4000.00}. I explicitly decline any alternative rewards, such as " rewards certificates, '' which are exclusively valid for future purchases. I appreciate your immediate attention to this matter and your commitment to addressing these concerns in a timely manner. For any further communication, please contact me at XXXX or XXXX. Thank you for your assistance and understanding as we endeavor to address and rectify this issue. Sincerely, XXXX XXXX
|
| 02/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
In XX/XX/XXXX, I applied to refinance my mortgage with Citibank.
I was told in XX/XX/XXXX by the mortgage agent XXXX XXXX that it would close in XX/XX/XXXX.
In between that time, I completed all the paperwork with expediency for the underwriter ( s ) whenever asked. I did not want to be the reason that anything has been held up.
XXXX came and went, and there was no traction. I had asked for a status and they said they were working on it. I asked that the transaction close prior to the end of the year for tax purposes. I was ignored.
XXXX came and went. While I was waiting for a closing, all they did from XXXX until XXXX was ask for employment verification. I kept asking and not getting an answer, other than they are running behind.
The application was started in XX/XX/XXXX- the loan did not close until XX/XX/XXXX - an unreasonable/unacceptable amount of time.
In the time between when I was first promised a closing date of XX/XX/XXXX to XX/XX/XXXX, I incurred damages of {$4500.00}. This consisted of : 1. Loss in interest spread. My loan was fixed at 3.875 % for 30 years. The new loan was 3.375 % for 30 years. Taking the six months in between XXXX and XXXX, I paid an additional {$1000.00} in interest.
2. Loss in points deduction. Because the new loan closed in XXXX instead of XXXX, I lost an entire year of the tax deduction for the origination points, which I estimated was {$470.00} that I could have reinvested elsewhere.
3. This refinance was a cash out transaction. The goal- which I stated to them in XX/XX/XXXX, was to take money out of my current home to pay off a mortgage on a co-op that my father in law lives in. The mortgage on that apartment had an interest rate of 5.125 %. Had the loan closed on time, the effective interest rate would have been 3.375 % on that money. The interest spread on that I calculated to be {$2900.00}.
I pleaded my case to Citibank, knowing that the delay was 100 % on them as I always turned around data requests from them immediately, so that they could not claim that my action/inaction delayed the process and any damages would be my own fault.
After sending countless emails to the managers/higher ups of Citibank 's mortgage team ( with not one reply, ever ) to get the loan closed, the loan officer ( XXXX XXXX XXXX went to fight on my behalf as she recognized that my losses were legitimate, especially after quantifying them.
I will attach the email with the details above to this complaint.
I realized that I would never get the full {$4500.00} from them, so I asked for half - {$2000.00} to at least get some of the damages back. XXXX XXXX, after a couple days of talking to her superiors, told me ( in an email - so in writing ) - that they would give me a {$1500.00} credit. I accepted because I did not want to litigate anything - I just wanted what would be reasonable and fair. I was told the credit would not come at closing, but would be a separate check of {$1500.00} mailed to me, 4-6 weeks after the close.
The loan closed on XX/XX/XXXX. At the end of XXXX, 60 days after the close, I still did not receive the {$1500.00}. I sent subsequent emails to Citibank- and even emailed their attorney about this. They know that the {$1500.00} offer was in writing by XXXX XXXX, a Citibank employee. Nothing happened, so I sent follow up emails again between XXXX and XX/XX/XXXX to Citibank and their attorney. All I got was the attorney saying they would forward it on to senior management- which I believe he did. However, I did not get a reply from anyone at Citibank.
I have emails asking Citibank and/or their attorney for an update on the status of the {$1500.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
As of today, XX/XX/XXXX, I have not received any communication from Citibank with regard to this matter.
|
| 11/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I 'm a XXXX veteran and Homeowner who NEVER missed a mortgage payment. My Mortgage servicer Citi instituted Illegal Foreclosure proceedings against me. I was forced to file Bankruptcy to protect my home from the Illegal foreclosure. Ireporting Mortgage servicing abuse by Citimortgage Inc. as follows : Citi, at all pertinent times acted as an agent for XXXX the actual owner of the mortgage loan. Citi, failed to properly apply payments consistent, with the terms of the loan modification and original note. Citi, failed to properly apply credits to the escrow account. Citi, failed to conduct proper analysis of the escrow account.Citi, unlawfully held funds in an unapplied funds or suspense account.On XXXX XXXX, XXXX the loan entered into a modification with Citi. Despite having no payment due until XXXX XXXX, XXXX, pursuant of the modification agreement. Citi, unlawfully withdrew XXXX additional payments of {$580.00} from my bank account on XXXX XXXX, XXXX and XXXX XXXX, XXXX.The terms under the modification contract stated that NO Payments were due or required for 2 months with the effective due date for the first payment on XXXX XXXX, XXXX. I was not given or allowed the 2 months grace period. I submitted a written and oral notice to Citi to stop payment for the {$580.00} collected under the Forbearance Agreemen.Citi withdrew funds without my authorization XXXX, XXXX and XXXX, XXXX. I contacted Citi and was informed that the funds could n't be refunded directly back to me. Citi, on XXXX XXXX, XXXX held {$2900.00} in the Unapplied Funds Account. Citi failed to properly transfer funds to pay the required {$1100.00} due for Homeowners Insurance on XXXX XXXX, XXXX. Citi on XXXX XXXX, XXXX held {$2900.00} in the Unapplied Funds Account and created a shortage in Escrow Account that reflected a negative balance of minus - {$1000.00} dollars in the Escrow account. Citi, willfully and illegally withdrew funds from my Escrow Account and paid Property Taxes. I am a XXXX veteran and hold a XXXX Exemption status. Citi was provided with the proper documentation in XXXX. Property taxes are not included in the mortgage loan contract. Only Homeowners Insurance.Citi willfully submitted a false inspection report to XXXX stating that my home " May Be Vacant '. XXXX declined to renew my homeowner 's policy due to the inaccurate report. Citi, willfully tried to force place Homeowner 's insurance on the residence.Citi, improperly refused to accept payments from me in my efforts to have my account corrected. Citi, improperly charged the mortgage account with late charges, property inspection fees, broker price opinion fees, and foreclosure fees and cost. Citi repeatedly failed to investigate and respond to inquires that I made regarding transaction errors and misappropriation of funds.Despite continued and regular payments to Citi, my mortgage loan account fell further and further behind due to misapplication of the escrow account.Citi, willfully and knowingly maintained errors on the mortgage loan account yet continued to order and run escrow analysis on the loan. This reflected an inaccurate escrow account balance and delinquent status on the loan. XXXX, reversed XXXX regular payments, and failed to provide an explanation or response to validate why the XXXX regular payments were reversed. The above actions or inactions, resulted in the mortgage loan account being shown in a delinquent status, when in fact, all post-modification payments were made on the account in accordance with Citi 's instructions. Citi improperly and willfully instituted statutory foreclosure proceedings against me and my property when the account was not or should not have been delinquent and despite my continued effor to have the account corrected. On XXXX XXXX, XXXX Citi submitted a fraudulent Proof of Claim in XXXX Arkansas Bankruptcy Court.
|
| 12/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
To whom it may concern : I am writing in regards to a complaint I have with Citibanck, N.A. I have been a customer of theirs for over 30 years. I haven't had any major complaints, until now.
On XX/XX/2023 I was on vacation and used my Citibank card to close a bar tab at a restaurant called " XXXX XXXX '' in XXXX, XXXX XXXX XXXX. I gave the owner 's son my credit card to close out the {$160.00} bar tab. When he brought me my receipt, he had accidentally charged me {$1600.00} instead. When I brought it to his attention, he apologized and went to correct it. Unfortunately, he was unable to issue me a credit because he could not get the terminal to process a refund. The owner, XXXX, came over and explained to me what had happened and they were having a problem with the terminal. She said she couldn't get a refund to go through either. She asked me to dispute the charge and she would not contest it. I told her I would do that and then I did NOT sign the incorrect receipt. Ten minutes later she ran my card again. This time for the correct {$160.00}. Even though the tip was already on the bill, I included an extra {$8.00} tip on top of it for the good service bringing the total charge to {$170.00}.
When I returned to the United States, I contacted Citi on XX/XX/XXXX to contest the charges. They opened dispute number XXXX. I had assumed this would be a fairly easy dispute since the receipt was never signed, and another charge issued a few minutes later with the same card, and the merchant was NOT contesting the chargeback. Sometime later, I received a letter dated XX/XX/2023 that said they had turned down my dispute and charged the full {$1600.00} back to my account. I proceeded to contact their dispute department again on XX/XX/XXXX and ask why. The supervisor ( XXXX ) told me that the dispute was filed under an incorrect title. She said she would close this dispute and open a new dispute under the correct title. She opened dispute number XXXX.
On XX/XX/2023 I received a letter from Citi saying that they previously took the money from the merchant but then said " I cancelled the original dispute. '' The supervisor is the one who closed the dispute, but the letter said that since I closed it, they will not reopen it. Since that time, I have spoken with XXXX customer service agents, XXXX different supervisors and written a letter pleading for help all the way up to the board of directors and the Citibank CEO. All with no help or anything but the same form letter saying that I should not have closed the dispute. I have messaged back and forth with XXXX, the business owner. She shared with me all the emails back and forth with her bank. I have email the representatives from her bank that gave me the dates and tracking numbers of the money sent back to Citibank. She can not send me the money because Citibank currently has it and that would put her small business out {$1600.00} while Citibank does nothing to rectify their error. I have given the dispute department ALL of this information for what would seem to be an open and shut case. I just get the same excuses and responses I've gotten for the last 6 months. Citi disputes tells me that there is no one higher to escalate this case to past the XXXX supervisors I spoke with.
I am at a complete dead end. As I stated in my letter, I know Citi is a $ XXXX corporation and my business means nothing to them, but this is ridiculous. It is a horrible breakdown in customer service and proves that since they're " too big to fail '', they don't need to be concerned with stealing money from their customers.
I have included all of the emails, screen shots of messages, receipts and emails from the business owner and bank in the XXXX XXXX XXXX. If there is anything else that you need to address this issue, please reach out to me.
Respectfully, XXXX XXXX XXXX
|
| 12/13/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX I found an online job listing for a data entry clerk for XXXX XXXX XXXX XXXX based out of XXXX, Kansas. I found the job listing on XXXX website and thought she was applying for a work from home data entry position. After I completed the job application, I received a response from the hiring manager, about being interviewed. The hiring manager via text message asked if I would be willing to interview through a web application service called XXXX XXXX is an online form builder that makes it easy to create robust forms and electronic documents.
I agreed to an interview, and I received a hyperlink to the XXXX website. I clicked on the hyperlink and was routed to an online questionnaire. After completing the questionnaire, the hiring manager told me she would be in touch with me in the next few days.
XX/XX/XXXX I received a text message from the hiring manager with a job offer. I accepted the position and I started the following day.
XX/XX/XXXX The hiring manager messaged me about needing special equipment to do my job. The hiring manager told me she would send me a scanned check as soon as possible. I received an e-mail with a copy of a check for XXXX to cover the equipment.
XX/XX/XXXX The hiring manager told me to send {$500.00} via XXXX to what I believed was a partner company for the equipment. Then I was told to send {$580.00} via XXXX XXXX.
XX/XX/XXXX I was told to send {$320.00} to another associate via XXXX for equipment. After paying the amounts, the hiring manager told me to expect packages in the next few days with the equipment and supplies I would need for the job.
XX/XX/XXXX I was notified by my bank Citibank via e-mail that the check I deposited a few days earlier bounced in my XXXX account due to insufficient funds. Citibank charged me a non-sufficient funds fee. After following up with Citibank I learned it was the scanned check I received from the hiring manager. I tried to follow up with the hiring manager but received no response. I then contacted XXXX XXXX XXXX XXXX XXXX department and explained to the HR representative the check they sent to me had bounced. The company told me they had been dealing with these fraudulent job postings and had received numerous calls about the same job posting. Then I called XXXX XXXX XXXX and spoke to the company 's owner about the check having bounced from non-sufficient funds. The owner told me I needed to contact my bank to try to get my money back. I contacted Citibank and opened a claim with their fraud department. Citibank told me that they would not pay me back for the missing funds unless I acquired a police report.
XX/XX/XXXX I received a full copy of the police report. I contacted Citibank and they did not accept my claim or pay my missing funds although I acquired a police report. I filed at least 8 claims for the {$500.00} & {$320.00} via XXXX and the {$580.00} via XXXX XXXX from XXXX I have filed XXXX claims to Citibank to have my missing funds returned to my account. My claims have been denied. I have had the displeasure of dealing with this injustice, Citibank representatives have not been pleasurable to work with while filling and having my claims denied. I had to speak to a supervisor about the last claim I filed because the representative was so rude and insensitive to my scam situation. After this interaction with a supervisor, I was told on the phone that my claims would be sent to a specialist department to get the claim handled. The claim was still denied. During the process of dealing with these scam charges to my Savings account, my account has been closed by Citibank due to insufficient funds. Citibank has not shown me the customer service deserved of a customer who was a victim of a scam and provided the documentation, time, and patience to multiple claim denials as a result of a criminal scam.
|
| 03/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
There is currently a billing error in the amount of {$230.00} on my account. The amount is incorrect because it is erroneously linked to a charge that was investigated as fraudulent and resolved in XXXX.
Although the Security Operations department of LLBean Mastercard notified me in writing that the dispute had been resolved and my account cleared on XX/XX/XXXX ( see attached ), the charges remain and continue to accrue interest and late fees. I have tried multiple times to resolve this issue by phone with multiple agents from the billing dispute, fraud and security operations departments, there has been no action taken to resolve this issue.
This matter arose on XX/XX/XXXX when I purchased a jacket from a vendor listed as XXXX. I ordered the jacket on-line and paid for it with my LLBean Mastercard. I made a payment to LLB Mastercard for the total amount, {$100.00} ( {$100.00} plus a foreign transaction fee of {$3.00} ) on XX/XX/XXXX.
I never received the jacket. I called customer service and was referred to the fraud department. On XX/XX/XXXX I received correspondence from security operations that the claim was being investigated. On XX/XX/XXXX, I was notified by security operations the fraud investigation was complete and that we removed the disputed charges and any related fees and interest charges from your account. Both communications are attached.
In order to receive a refund for the purchase, I was given a choice of wire transfer or check. I requested a wire transfer. When it did not arrive within the promised time frame ( within 3-5 days ) I requested that I be sent a check. On XX/XX/XXXX, I spoke with a customer service representative. That check was issued on XX/XX/XXXX in the amount of {$100.00}. That should have been the end of it.
I began noticing activity on the account related to this transaction. When I spoke to a customer service representative in late XXXX XXXX he stated it looked like two departments had been working in the account, possibly fraud and billing disputes and that he would get it sorted out. Nothing changed. Simply put, the disputed amount {$100.00} or {$100.00}, depending on whether the foreign transaction fee was included ) was being added on and taken off the account over and over. Attached is a timeline supported by billing statements and activity logs.
On XX/XX/XXXX I contacted customer service again and spoke to XXXX in billing disputes. There was much confusion and he proposed to open a new billing dispute. I explained that all of this was already resolved by the fraud department, but I was told a new dispute had to be initiated. I requested that my account be adjusted to remove any late charges and that I be assured that this mistake would not be reflected on my credit report. He told me that as long as 30 days have not passed it would not be an issue. He issued a refund of the late charges and interest that had accrued on the account.
The following day I called back and spoke with XXXX in billing disputes because XXXX was not available. Again, I requested that I not be penalized for the mistakes made by LLB Mastercard.
She confirmed there was an open investigation and that I should not worry about penalties or adverse credit implications. Twelve days later I began receiving calls from a collection agency along with emails stating that my account is past due.
On XX/XX/XXXX, I spoke with XXXX in the fraud department who assured me this issue would be resolved and my account would have a zero balance. It has been two weeks and nothing has changed. I attempted to contact the fraud department this morning, identifying myself as a lawyer and was kept on hold for 20 minutes at which time I ended the call.
I sent a certified letter with attachments to LLBean Mastercard with a copy to CFPB by certified mail with all attachments on XX/XX/XXXX.
|
| 04/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I posted my furniture on XXXX on XXXX XXXX , XXXX . A man named XXXX XXXX replied to me via text message saying he is interested in the furniture the same day. He said hed send me a check and a portion XXXX $ ( my furniture plus XXXX for keeping it in his favor ) would be mine and the rest XXXX should be deposited to his mover. The teaching number for XXXX was XXXX . I figured the mover fee could be for multiple things hes moving around in my area. A week later, I received the check and deposited it right away in order to speed up the process of selling the furniture. The day after, a Monday, XXXX texted me that he would like to pick up the furniture ASAP so to please deposit the fee into XXXX XXXX XXXX 's XXXX XXXX Account XXXX , which I asked my mom to do. However, she cautioned me that before doing that, I should call Citibank to make sure the check cleared. I called and they assured me the check was clear and all the funds were available. My mom was still skeptical so I called another three times to make sure the check cleared and the agents assured me the check was clear. It was then when we decided to deposit the money into the XXXX XXXX Account. XXXX XXXX and I agreed to meet at XXXX XXXX XXXX XXXX so that I can give him the furniture. Later that day, he texts me that his father got involved into a serious car accident and he will need the remaining XXXX . Th is is when I became skeptical about the entire transaction. I told him I was not able to immediately deposit anything because I am in class all day until XXXX XXXX . Nevertheless, he gave me a name, XXXX XXXX in XXXX California, zip XXXX and told me she would be waiting in California for the funds in a XXXX . In order to see where this was going I told him I deposited the money and he became very persistant on getting a confirmation number and threatening me with I will be very upset at you if something happens to my father. I told him I was going to make a police report and a claim with Citi because I was not convinced that this transaction was legitimate anymore ( I attached the texts for proof ). A couple of days later, the check bounces, and my Citi account is left at a negative. I had XXXX direct deposits go in there the same week of my spring break vacation which left me even shorter with money. My complaint with Citi is the following : If they had not cleared the check, I would have never deposited money into this scammers account. In addition, I called a total of 4 times before releasing any of my own funds to someone else. I am highly upset because I am not left with a negative account and Citi will not take responsibility for this. If that had followed procedure and verified the check before mistakenly clearing it, I would not have given anyone my money. After making a claim with Citi, they gave me a claim number. Now, every time I call them, they ask me Who gave you that claim number, no one should have opened a claim for you. I have spent a total of 10 cumulative hours talking with them on the phone and they give different information every time. The first time they gave me faulty information was when they cleared the check without making sure it was actually clear. Then, they gave me a claim number because this was going under investigation. Now, that I am demanding a formal investigation, they are telling me whoever opened a claim should not have done so. I am not a citi employee, nor am I a banker. I was counting on Citi to do their job, as it is not my job to clear checks. I am now paying the consequences for their mistaes and they are refusing to own up to anything. I really need a formal investigation to be conducted because I am a college student and my account is at a negative, This whole experience has been nothing but stressful.
|
| 02/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
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i opened a citi bank checking account because they show you can instantly create and deposit through app. i read through the jumbled disclosers and reviewed their welcome kit and all its links throughly nowhere did i see anything about not having access to account until card activated. i mean they even sent me various emails about logging on, setting up XXXX and then closed my account for violating terms .. the emails addressed to me and my action links all led to same account login however 2 or the 4 emails have different account numbers in email. when i went to log on i found access blocked and immediatly contacted them.
i cslled citi customer service and the fraud departmnt was walking me through the steps to regain access. this was not possible despite providing identification, a photo of me and myself holding id, again with the specific 'hold pencil by clock and have id in other hand ' all of those and my ss card, bc, dissolution of marrige and then we finally got closer. i gave everything but full account number as i never was provided the entire string of number assigned tomy account only the last 4 " XXXX '' and the representative could only attempt to acess via my security question and the correctly provided answers. i had to really think on this when applying for account so to be safe i WROTE THE QUESTIONA AND ANSWER in my folder that holds all information in the event of my untimely demise if in accident or something. EVERY answer was not working, he said they just do not give him the proper indicators of a matching answer ( he did not have access to see it either just a 3 letter search bar that went green and moved on or red and removed a ticker mark that restricts account further. he called his supervisor and was told i had cashed a fraudulent check in this fake account!!! what the actual heck, i informed him i was indeed a real person and created a reall account with them and that the check was assigned to me via a client after i completed a tree removal for her home. i further explained that i was a licenced business owner and held an LLC for over 2 years and have benn doing this work for over 6 years. that i in no way commit petty acts of fruad and provided every bit of information up to THEIR SYSTEM failing to accept the correct answers i know i applied with.XXXX the supervisor disconnected and the rep apologized for the inability to fix things and recomended that i activate my card as soon as possible to see if it would grant access without the methoed we had used to bypass account numberm ( i wasnt given ) the fillowing day i got the notice of account closure for violating terms. and in THAT EMAIL i got link to a different disclosure addendum not previously provided within the welcome kits or any of the clickable links that came with the new account or during the new account. i do not like banks, i actually read all the bs and i know for a fact it was not provided and the webite are different, one opened as a pdf the other was a webpage tab. one came as a link title client manual and roughly 30 or so pages with a electonic page at the end ( non fillable so i never signed it ) similar. the other was client manual - consumer accounts ( 80+ pages ).
furthermore i was oresented a dozen terms and conditions and inportant legal disclosure informative text and no single one offered information about policies in regards to how the new account mus remain untouvhed or used until a certain requirement weas satisfied or met or whatever the terms they implied now.
i did deposit a {$300.00} check into the account, this was a legit check an i have already verifief with my client that the funds were pulled from her account onm XX/XX/23. CITI told me that the funds had NOT BEEN ACQUIRED OR RECIEVED as of this morning XX/XX/23. FULL BLOWN LIE made over chat with XXXX and her supervisor
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| 08/02/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XXXX XXXX 2016, I opened a Citigold checking account under a promotional offer ( Offer code : XXXX ). The promotion provided for an award of XXXX XXXX XXXX AAdvantage miles upon completion of a number of criteria : {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached ( Attachment 1 ).
On XXXX XXXX, I messaged Citibank via their online secure messaging system to verify that I was enrolled in the promotion and to confirm the requirements. On XXXX XXXX, I received a response from Citibank ( XXXX XXXX, Citibank communication reference number XXXX ) via the online secure messaging system welcoming me to Citigold, confirming that my account had been opened under promotional offer XXXX, reiterating the requirements of the offer ( as described in Attachment 1 ) and explaining that the XXXX promotional miles would be credited within ninety ( 90 ) calendar days of my meeting those requirements. A copy of this correspondence from Citibank is provided in Attachment 2.
On XXXX XXXX, I again messaged Citibank via their online secure messaging system to provide my XXXX XXXX frequent flier number. On XXXX XXXX, I received a response from Citibank ( XXXX XXXX, Citibank communication reference number XXXX ) confirming that Citibank had received my frequent flier number, reminding me of the requirements of the offer I had been enrolled for ( as per Attachment 1 ) and repeating that the XXXX promotional miles would be credited within ninety ( 90 ) calendar days of my meeting those requirements. A copy of this correspondence from Citibank is provided in Attachment 3.
After completing the requirements of the offer during the period of XX/XX/XXXX to XX/XX/2016, I again messaged Citibank via their online secure messaging system on XXXX XXXX. On XXXX XXXX, I received a response from Citibank ( XXXX XXXX, Citibank communication reference number XXXX ) confirming that the requirements of the offer had all been met and that the miles would be automatically credited to my account on or before XXXX XXXX 2016. A copy of this correspondence from Citibank confirming enrollment in the promotion and completion of the requirements is provided in Attachment 4.
On XXXX XXXX 2016, I had not received the AAdvantage promotional miles so contacted Citibank. I received a response back from Citibank on XXXX XXXX 2016 ( XXXX XXXX, Citibank communication reference number XXXX ) explaining that I will not receive the promotional miles as I was now not targeted and so not eligible. A copy of this correspondence from Citibank is provided in Attachment 5.
This was surprising and disappointing - Citibank had previously confirmed my eligibility for the offer ( Attachment 2 ; Attachment 3 ) and assurances had been given by Citibank that I had met all the criteria and even provided a specific date by when the promotional bonus would be awarded ( Attachment 4 ).
I have made financial decisions with Citibank assuming the promotional miles would be paid ( including paying monthly service fees ). To arbitrarily decide in XX/XX/XXXX that commitments made by them previously in the year would no longer be honored is a breach of our arrangement.
Under the terms and conditions of the promotion, I am eligible : I am a Citi AAdvantage credit cardmember who received the communication, I am over 18 years of age, and I did not already have a consumer checking account with Citibank. The account was and continues to be maintained in good standing.
As of the date of this complaint, the AAdvantage promotional miles have not been issued by Citibank, despite Citibank 's assurances that they would be awarded before XX/XX/2016.
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| 09/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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This is an updated/revised complaint from one previously submitted.
I received a call from the Citibank executive branch on Tuesday XXXX because they were made aware of a consumer finance complaint by me and are required to call. I was told that the subpoena I had mentioned in the letter was important to the case. I called the XXXX police dept. and spoke to the detective about how gaining access to the subpoena was going. After two days of playing phone tag I got in touch with him on Friday XXXX with the bad news that the video had been erased. Industry standard for keeping surveillance footage is six months. XXXX XXXX XXXX is five months not six. I find it highly suspicious that after the consumer and state complaints and after the phone call with Citibank that conveniently the footage has been erased.
Citibank is of the opinion that because my card was used to withdraw the {$4800.00} my claim is denied. I resent the implication that Im the scammer here and that I am the one trying to extort the bank for {$4800.00}. I was not wanting to seek legal action against Citi but that appears to be where this is heading. I will not falsely be accused in so many words of a crime.
Below is the original complaint sent.
CitiBank Case # XXXX, Claim Number XXXX On XX/XX/XXXX, {$4800.00} dollars was withdrawn from our checking account without our consent. After calling Citibank as to how this had happened, it appears someone had walked into the Citibank in XXXX NY, a place neither myself or my wife had ever been, and withdrew the funds from our account via the teller. An internal investigation was launched. On XX/XX/XXXX we received a letter stating that the claim had been denied.
We appealed the decision. I went to the XXXX Police filed a police report which amounts to grand larceny. I then went to the Citibank in XXXX to talk to the manager. He said it was good we filed the report because now we can subpoena the footage and the card reader device to see the card used. My card never left my wallet.
I spoke to the fraud investigation dept again letting them know I had filed a police report with which I had emailed to XXXX. I had to keep making investigators aware of the emailed report since they never know anything about it. The agent I spoke to found the email and assured me if would be sent to the agent investigating our claim.
My take on what has happened.
My card was going to expire at the end of XX/XX/XXXX, a new card was most likely sent in the mail but we had moved so the new card went the old address and was intercepted by a fraudster. How they were able to gain my pin I dont know, I can only ascertain they were able to reset it Online or via a phone call with Citibank XXXX Bottom Line they were able to reset the pin via CitiBank The agent I spoke to this time said this was new and good information and that he would pass it along to the investigator and I would here back via a phone call. I never heard back... so I called and was told we have been denied again for the same reason.
I again called to appeal and added subsequent information that could be applied to the investigation and again was given lip service about the new and relevant information that could help and I would receive a phone call within XXXX to XXXX hours never receiving a phone call.
7 days later I received the same letter of denial only with a different date on it, XX/XX/XXXX. its very obvious that no further investigation was ever done or is ever done.
I have come to find out that Citi has a terrible reputation on crediting their customers that get scammed. We have been with Citibank for almost 30 years and have put millions into the bank via our paychecks and a home equity loan. And they have a completely divorced attitude on what has happened or even remotely trying to help us.
Sincerely, XXXX XXXX
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| 05/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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I would like the interest charges associated with the {$1300.00} in fraudulent charges on my Citi Card to be deducted from my account.
On XX/XX/XXXX, my daughter and her friend ordered XXXX XXXXhrough the friend 's app on the friend 's phone. My daughter gave her our credit card number to make the purchase. This purchase was allowed by me and this charge is not being disputed.
From XX/XX/XXXX until XX/XX/XXXX, there were 32 additional purchases on the friend 's phone through the XXXX app that we did not know about and did not authorize. The total amount of all these purchases was {$1300.00}.
When I realized on XX/XX/XXXX, that all of these purchases took place, I called Citi at XXXX and spoke with XXXX and had him shutdown the card.
I called the local XXXX and talked with XXXX, the manager XXXX I wanted to see which charges belonged to us ( since we eat there occasionally ) and which ones did not. XXXX was able to tell me which ones were done through the app and which ones were done at the restaurant. He also emailed me a copy of every receipt ( fraudulent and authorized ) for all the purchases made during that time.
On XX/XX/XXXX at XXXX, I called Citi and spoke to XXXX XXXX She recommended that for the payment due on XX/XX/XXXX, I pay the amount due minus the disputed charges and she gave me the direct number to the fraud department.
On XX/XX/XXXX at XXXX, I called Citi and spoke to XXXX to follow up about the letter I received saying that Citi closed the case and that the charges of {$230.00} will remain on my account. I wanted to know why they closed it and why the amount was only {$230.00} instead of the full amount for all the charges. The letter said that we provided the merchant with our account information. We provided it only for the purchase on XX/XX/XXXX, not the other 32 made on the friend 's phone. XXXX said that the case would be reopened and that we would get another letter informing us of the outcome.
On XX/XX/XXXX at XXXX, I called Citi for an update and no one answered.
On XX/XX/XXXX at XXXX I called Citi again for an update. When I called the fraud number, the message said that the case has been closed and to call back at a later date. I immediately called Citi back at their Customer Service number and reached XXXX who transferred me to XXXX. As I explained to her the situation and that I needed to have the case reopened, she recommended that I put it all in writing and attach any receipts and send it to Citicard, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Attn : CitiBank Fraud Department.
On XX/XX/XXXX, I spoke to XXXX at the other XXXX location where food was also purchased and got the three remaining receipts.
I finalized my letter with all my receipts and mailed my packet on XX/XX/XXXX.
On XX/XX/XXXX XXXX called for status. XXXX said that there were no updates and they were still reviewing my letter.
On XX/XX/XXXX : XXXX called for update. Spoke to XXXX. Got hung up on.
XXXX called again and spoke to XXXX XXXX? ). Put on hold for 11 minutes and then hung up on.
XXXX called back. Spoke to XXXX and who transferred me to XXXX. I was put on hold for 22 minutes and then hung up on.
On XX/XX/XXXX XXXX called back, was put on hold two minutes and hung up on.
XX/XX/XXXX XXXX called back, spoke to XXXX and transferred to XXXX XXXX I asked if they received my documents and she said that it did not show them as having been received. That was incorrect because someone had received them because my signature confirmation from the USPS showed that someone received it.
On XX/XX/XXXX XXXX, spoke to XXXX who transferred me to the Fraud Department XXXX I was on hold 12 minutes and then she hung up on me.
At this point, I determined that Citi was not reopening my case. I would now like the finance charges associated with those purchases removed from my account.
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| 07/06/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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In paying my regular monthly payment for my Best Buy card for the month of XXXX, I attempted to pay the regularly scheduled payment due. I was shocked when I received a call from my bank telling me an item for over {$2000.00} from Best Buy was attempting to clear my account. Somehow, in trying to make my payment of {$66.00}, a payment for the full balance was made. I believe this is because Best Buy has the full balance as the default amount, & when paying through the mobile site, things constantly bounce back and forth & change before you are able to realize anything has happened. I immediately called Best Buy customer service, & I was told that once they received the payment back from the bank, I could make the correct payment, plus submit the information showing the fee I was charged by the bank ( that they would not refund ) so that Best Buy could refund that fee. This was on XXXX/XXXX/16. On XXXX/XXXX/16, I received another call from my bank ( XXXX VA ) letting me know that this same item has again been presented for payment. I again requested that the item be returned. I was charged another fee by the bank. Unfortunately, the bank also paid this item against my account instead of returning it, causing my account to be negative. I was unaware that the item had been paid until XXXX/XXXX/16 when I checked my account online. XXXX, the bank associate I dealt with, suggested that my only course of action was to come in to the bank & file a dispute. From working at XXXX previously, as well as several other financial institutions, I know first hand that customers should ALWAYS contact the merchant or company in a dispute situation before asking the bank to step in. I advised XXXX that I was aware of this, & would contact Best Buy first. Again, I immediately called Best Buy 's customer service line, & spoke with a different agent than I did the first time. This agent informed me that an item that has been returned will attempt to clear a total of 3 times, something I was not told in the beginning ; I was originally led to believe that once the item was returned on XXXX, that was the end of it. This individual let me know that once the item tried to clear the third time, I could call Best Buy back & begin the dispute process. I would need to write a letter describing the events that transpired, send a copy of my account transactions showing the fees that were charged due to this situation, & request that Best Buy refund them since the bank would not. When I noticed on XXXX that the item had been paid by the bank & not returned, I called the branch & spoke with XXXX. I asked why the item was paid not returned as we talked about ( I was never given a clear answer on this ) ; I also asked about the autodrafts that would be coming through my account on XXXX & XXXX as it was too late to stop them. After much discussion, XXXX told me that she would pay those items through & not charge an overdraft fee for them ( the items were {$25.00} to XXXX XXXX XXXX, {$100.00} to XXXX, & {$250.00} to XXXX XXXX ). I was forced to call back on XXXX when I discovered that the {$25.00} item to XXXX XXXX XXXX had been returned & a fee charged. XXXX stated that there were not enough funds in the account, & denied that we had ever had a conversation concerning the items. Thankfully, my husband was home when I originally spoke with her, & the phone was on speaker. At this point, the dispute had already been filed with Best Buy, & I was simply waiting on the refund to my account. XXXX was extremely rude, & suggested I should have bypassed Best Buy & gone straight to the bank & I would have already had my money back. At this time, I have XXXX NSF/OD fees charged, & after multiple communications with Best Buy, they refuse to assist with ANY of the fees. I have requested that XXXX of the fees be refunded, and they refuse.
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| 10/23/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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I went on line intending to book a 4 day stay at the XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX, 2015 ). I did this at what I believed to be the XXXX XXXX XXXX website. I entered all the information including my credit card data. I did this believing that my credit card was being used to hold a reservation and would not be actually charged until the day of my arrival ( a customary hotel procedure ) When I clicked " submit '', the screen froze and I had to re-open my browser. I did this twice, with the same result. There was never any indication in any manner shape or form that any transaction had actually taken place. I tried calling the XXXX ( XXXX? ) number listed on the website, but never got through. At one point I kept the phone on " speaker phone '' for XXXX minutes, but still no answer.
Eventually, I called XXXX XXXX via the toll number ( XXXX ). They did not appear to have any reservation for me, so I made one.
I monitor my CitiBank account via the website regularly, especially as my due date ( the XXXX ) approaches. When I noticed dual charges of {$1100.00} with the description " XXXX*Hotel Booking '' appeared on XXXX XXXX, I called Citibank immediately , explained the situation and these XXXX ( obviously erroneous ) charges were removed.
At this point, we had absolutely no reason to believe that there would ever be any problem. I had no reason to believe that this matter was not completely closed. We had absolutely no indication that there was any XXXX party involved in this transaction other than myself and XXXX XXXX XXXX.
Some two months later ( XXXX XXXX ), these XXXX charges, both for {$1100.00} reappeared on our account. As soon as I noticed these, I called Citibank. This is the first time that I heard that this " XXXX '' was NOT a direct affiliate of XXXX XXXX , but a XXXX party merchant called " XXXX ''. I strongly protested this whole turn of events to CitiBank and they told me I would have to go through their " Billing Disputes '' process, which I did. We wrote hard copy letters, gave documents, had multiple phone conversations and wrote multiple e-mails.
Eventually CitiBank told us that they could NOT remove these XXXX charges. Among the numerous unacceptable and heinous excuses they gave us was that the merchant, " XXXX '' would not cooperate with them on this.
I have since contacted the XXXX XXXX and they confirmed that they were indeed paid XXXX times for our XXXX stay - once by us directly and XXXX by XXXX. Doing their part to resolve this, XXXX did credit {$880.00} and {$790.00} to our Citibank account ( even though we never had any dispute with XXXX to begin with ).
CitiBank has always stated that their customers would never be held liable for fraudulent, unauthorized use of their card, as this clearly was. It is now obvious that this website was a " phishing '' site - a common method of criminal internet fraud.
Citibank was alerted to this clearly fraudulent charge nearly immediately, and over a week before we actually arrived at the XXXX XXXX. Citibank had no right to honor the merchant 's request for payment after we reported it as unauthorized ( which was at most a day or two after it appeared ). CitiBank was irresponsible in not informing me of it 's actions - that the credits negating these XXXX {$1100.00} charges could be reversed, and especially that the merchant involved was NOT XXXX XXXX, but a XXXX party called " XXXX ''. If we had any idea of any of this, we could have easily resolved the situation days before we arrived at the resort.
I reiterate here : I never transacted any business with XXXX, never intended to do so and at absolutely no point in the transaction was there any hint or indication that the transaction involved any XXXX party other than myself and XXXX XXXX. I entered credit card data not to be charged, but to reserve a room.
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| 05/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Credit card company forcing arbitration
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Web |
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Im consumer thats making a Formal complaint against Citi Bank ( South Dakota XXXX XXXXhis has been going on since XXXX XXXX years in the making. I as consumer I like to share my story. I purchased a Credit Card with Citi Bank. I went thru all of it with Citi Bank. They were charging me Outrageous interest fees that made it impossible for me to pay my bill off. So I stopped paying to find a some resolution with court. So Citi Bank took me to court. It started after Citi bank South Dakota, took me to court bc I the consumer had massive amount of fees. I wanted them to take me court, Bc there was a judgment /already in place which XXXX. I do appreciate the judge for granting me my judgement. The Judge told me to pay XXXX w. Which commencing on XX/XX/XXXX. The judge told me I had to send weekly payments to Citi banks Attorneys Office, which I did. It was a total of XXXX court proceedings, and the third court proceeding never took place in XXXX, Citi Banks Attorney started double charging me each time. I sent payment to there Attorneys office. I was truly trying to pay this Credit Card off making double payments and even took out loans, bc I didnt no my rights were being violated at the time until the Attorney office was charging me crazy amount of money even tho judge granted my modification of {$25.00}. I would pay double payments of XXXX dollars to Attorneys office trying so hard to pay this bill off, but Citi Bank Attorney office had different intentions they would charge me extra XXXX dollars of interest and not reporting this to IRS /Gov so the Attorney office was embezzling money from me, there were so many different amounts money they told me I owed on the statements they sent me. It outrageous amount of money. It got to the point. I couldnt keep up with different amounts they said owed them. Then Citi bank after 14 years hired another Attorneys Office to make matters even worse for me before the pandemic hit us they fired attorney that was working on case bc I sent evidence to them wat last attorney did to me, so they went thru many lengths to get back at me even. Took me court .again after 14years why? They told me. I could join into a remote hearing conference call, but Attorney did ever thing possibly to make sure, I didnt get into that remote conference call. I never received a invite from XXXX to download the invite. I even have emails proving that I tried to get in hearing conference call. I got the run around bc they didnt want me to let the Court know what was going on, .So Attorney that was on the case gave me the around, so that never happened. so they lied to my employer said they couldnt reach agreement with me the Consumer. Went thru many length to garnished my check to the 25 % maximum of my pay. But they had no problem sending my employer a blank form of a bogus judgment even tho there was judgement that, I was trying to fight Which was XXXX weekly. That judgement on XXXX XXXX never was sent to my employer. now I cant pay my bills. I didnt owe this money bc ( Attorney said to me it doesnt matter wat ( judge ) says we can do wat ever we want to u, So they been embezzling so much money out of me. I consumer should not have to go thru all this just pay off a credit card bill. I have been experiencing XXXX XXXX XXXX and crying all the time at night and staring at walls & having XXXX XXXX. And sever night mares. Not eating some days. I should be compensated for my pain & suffering and all of my back pay should be reimbursed and stopping that bogus wage garnishment and judgement that they lied online about me. I dont deserve this treatment. I keep asking myself why me. I work just like any one else. Im hard working. Im sorry Im crying right now. I cant finish my story. I just wanted other consumer to know wat Im going thru with Citi Bank South Dakota, XXXX. Doc no - XXXX
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| 11/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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Re : Misrepresentation/Misleading Possible discriminationXX/XX/2015, I called CitiMortgage inquiring about a refinance on my home loan. I have been a customer of CitiMortgage over 25 years.
The representative I spoke with told me of XXXX different types of refi.
Refi no money out would not require any appraisal Refi with cash out.. would require appraisal.
He gave me rate and fees on both. I advised him I would think about it and call back.
XX/XX/XXXX I called CitiMortgage back and spoke with a XXXX XXXX. I explained I wanted to lower my payments on my current mortgage. He again told me of the XXXX different methods ...
Refi no money out would not require any appraisal Refi with cash out.. would require appraisal.
When I told XXXX I did n't know which way to go, he suggested I do the Refi with cash out. If I change my mind, I could always go the other route. I agreed to it.
Then we ran into a problem. The appraisal company and I had a disagreement ** and we were unable to complete the appraisal part of the loan. When I called CitiMortgage to advise them of the problem, I was told there was nothing they could do since they can not interfere with the 3rd party vendor. It was suggested I just withdraw the application and they would refund my XXXX XXXX paid for appraisal fees back. I was not happy.
I called XXXX XXXX and explained the problem. I told him lets go ahead and switch my application to a Refi with no cash out since that type of refi did not require an appraisal.
He said he would have to get back to me.
He called me a couple of days later and stated " they '' changed their minds. " They '' are now requesting an appraisal on the property after all ... ... even though taking no cash out.
I advised XXXX I have been told twice by XXXX different people ( XXXX being him ) that on a no cash out refi, an appraisal would not be required. He said I know, I will have to find out why they are saying that now and get back to you. ( I also have email trails ) I have heard nothing since ... even after several texts to XXXX inquiring.
I have a XXXX credit score ... so I know it 's not a credit issue I have had a loan with CitiMortgage for over 25 years with excellent pay history..so I know that 's not it.
Isnt this misrepresentation? Misleading? Providing untrue information? Or is it because : Is it because I am female?
Is it because I am older?
Is there now discrimination involved?
To change their mind after what I was first told by XXXX separate people? To the point that their own loan rep doesnt even know why?
I sent a complaint letter to CitiMortage on XXXX/XXXX/15. I received an acknowlegement they received. It would be reviewed and I would be advised. Never heard back.
I was also told I would get my $ $ back. They charged my credit card {$520.00} and TODAY, over a month later I get a letter that I will only get a credit of $ XXXX.back.
**appraisal issue : I have a home with XXXX XXXX acres. There is an old house at the end of the property that was build in the XXXX that is waiting to be torn down.. In the pass, CitiMortgage classified the old building as a " outbuilding '' or a " shed '' as it added no value to the property ( I have refinance twice before with Citi ). I have a nice XXXX story home with a huge barn/stables and a pool. Citi 's contracted appraisal vendor wants to inspect the old house and it has to pass inspection ... which it wo n't ..Hence why I am going to tear it down. We could not come up with an agreement ...
I explained the situation to CitiMortgage ..reminding them I have been a customer of theirs for over 25 years and we have refinanced twice before with no issue. My loan balance is only {$120000.00} with property value ( without that old house ) well over that. They said nope ... .had to have appraisal.
Advised me to withdraw my cash out loan.
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| 10/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I encountered a hardship situation XX/XX/XXXX. I had an XXXX credit score then, and I try to convey my problem to the citi representatives asking for help. I was struggling making all my payments and staying current with everything that went on in my live then. Citi bank told me that I did n't qualify for a refinance because my property was underwater. They could not help me. I defaulted in my loan months later, then Citi back was willing to work with me and send me a package to apply for a loan modification HAMP or any other program available. The process was not easy the representatives assigned to me kept changing and they kept asking for documents over and over again. However it seems like they never reached the right person on time. The excused was many times " it was probably stock in the fax memory. We have closed the file and you have to reapply. '' If you do an investigation on my case my file was closed and opened more than XXXX times in a period of XXXX years. They did not communicate well at all. I finally got fed up and I hired a layer to help me. {$4000.00} later the lawyer got them to send me a denial letter XX/XX/XXXX. They denied me because the bank that owns my loan does not participate in any of the programs available. XXXX Bank does not participate in any programs available set by my government to help owners keep their primary property. They also denied me because I did not have enough income to cover the payments. I was never refusing to pay I have never wanted a free ride. I am hard working woman that encountered a few set backs and I was asking for help. I had my job for 10 years, I have been helping the economy since I came XXXX 20 years ago. I pay taxes like everyonelse does and I had had to work XXXX and XXXX jobs to make my obligations. Citi bank took three years to tell me that I was never going to get a loan modification to begin with. Instead, they led me on for three years occurring fees, interest, and penalties. My XXXX credit score is ruined. My debt to Citi is so big now that I ca n't even think of repaying. As a matter of fact the only program they offered was a repayment plan. I needed to come up with {$35000.00} with 30 days of the denial letter was issued. They never told me that my monthly payment was going to change. I decided I was going to try to keep my home, I do n't want to lose it. I took a XXXX job, I rented the XXXX floor of my property and I was going to borrow the {$35000.00} from a relative all in order to take the " only option they gave me to retain my home. When I call to let them know that I wanted to take that option and I gave them my new numbers, they denied me intermediately. The representative said even with the {$35000.00} I would not be able to afford the new monthly payment because I had accrue penalties, fees, interest and attorneys fees. I asked how much is it? He could not tell me, but I did not qualified. My other options were short sell and/or deed in lieu of foreclosure. He try to entice me into going to the second choice he said by giving the property back to the bank I could qualify for some reallocation money. If I take the short sale the bank would not give me any reallocation money. I took the short sale option. Then he said that I have to write a letter saying that " I do n't want to keep my home. That I have refused any retention program they have offered me '' in order to qualify for a short sell. They asked me to lie in a document. I am so sad and sick of the way this bank have treated me and others, I hope I do n't get sick from the stress. This bank instead of helping me with my hardship they have created a bigger one for me. My credit is ruined, and I am losing my home of 10 years, and they want me to lie in order to attempt to short sell my home. I want to keep my home and fix my credit. Please help me.
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| 08/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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I have had a citi secured card for approximately for 4 months. Today, I logged onto my account to find out my account is closed. I put down a {$1800.00} deposit and have never missed one payment on this card. I actually paid more than was due each month in order to keep the cards utilization under 30 %. I have followed all suggestions from my veterans credit counselor and my XXXX credit monitoring service. I have no idea why my account was closed because I have to wait 7 to 10 days to receive the letter with the explanation as to why my account was closed. My birthday is this weekend and I was flying to XXXX XXXX with no credit card. I made a {$800.00} dollar payment on XXXX/XXXX/2019 and the very next day XXXX/XXXX/2019 my card is closed. Now I have to cancel my trip, I will lose the deposit I paid for the hotel as the hotel requires check in with the card that was used to place the deposit and reservation well that card is now closed and the hotel requires a 72 hour cancellation notice in order to get your deposit back. I am also not going to get refunded for my airline tickets either! This is a complete disaster for not only me but my family as well! What makes this whole situation worse is now my credit score is going to take a huge hit! I have worked very hard to improve my credit not only to have good credit but to also purchase a home using my veterans benefits, I have been working with a credit counselor with Veterans mortgage company to improve my credit and opening this citi secured card was suggested to improve my credit score, now my credit that I have worked so very hard to improve will take a huge hit and I will have to wait longer to purchase a home. I am literally almost in Tears! I make {$72000.00} dollars a year which may not be a ton of money but I worked very hard to get my current position! I thought that I would graduate to a regular card in 18 month and maybe even qualify at that time for a better citi bank card. I am begging you please to find out what I did wrong and what ever that reason is why didn't I get a call or warning? I even changed banks and opened a citi checking and saving account and the majority of my pay being debited into my checking citi checking account. I opened my citi checking account with my direct deposit to ensure that I would never miss a payment on the citi secured card. I feel like I did this all in vain! This is Not a way to treat a US XXXX Veteran! I opened the secured citi cards account to build my credit as well as use that newly built credit to purchase a home utilizing my veteran benefits. I am so very disappointed and needed to bring this to your attention as I am at a complete loss as to why this has happened and I am know that next month citi bank will report this account as closed. Now what took me months and months to improve will be severely affected by this sudden closure of my Citi secured card! What makes this day even worse is that I got a notification from my XXXX credit monitoring that my score increased 36 points today and now that will for sure go down once this citi secured card is reported as closed. Thanks Citbank! I am a man who is now completely distraught I am seriously holding back tears right now! Not sure how I will explain this to my family either. This whole situation is horrible! I thought that Citi bank was great, the customer service was always awesome and professional. I got my card in a timely manner and was proud that I could put down the {$1800.00} deposit as that deposit amount really helped my credit score improve as well. I don't think that Citibank realizes how detrimental closing an account is to a person 's credit. I know I am only one customer out of their millions of other customers but their decision will really negatively affect my credit score but I suppose they do not really care!
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| 03/17/2017 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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On XXXX/XXXX/17, I went into Citibank located at XXXX in XXXX, VA - I was there to withdraw money from their ATM and to make an emergency deposit for someone. After withdrawing money, I proceeded to the teller window to make the deposit. The branch did not have deposit slips available, so I had to write the persons name and account number on a sticky note. The teller, XXXX, asked me if I had an account and I replied 'no '. She told me that I had to show a valid drivers license in order to make a deposit. I asked her why, because I was only depositing {$300.00}, and that I was n't requiring money back in change. She told me that it was required by the bank and Federal Government. Also, she said that if I had a check to deposit instead, then I would not need to provide my personal information and identification. I asked to speak with a branch manager at this point. The branch manager, XXXX, asked me what the issue was. I explained to him that I was only making a deposit and why they needed my drivers license and personal information. He told me that it was required by Federal Government Law and it was bank policy. I asked for written literature of this or documentation but he did not have this information. It was basically verbal. I asked him if I could find this info on their website and he said its not available. I asked for the Corporate contact information and he said he could not provide this to me. I also asked if I could speak with the District Manager, but again he said that he could not give me that information because it was for internal employees only. He instead gave me the Customer Service number to speak with an agent. I told him that I would need to speak with a District Manager because I did not agree with their verbal policy regarding identification being required to make a deposit. He explained that it was the only way I could make this transaction unless I had a check - otherwise they would need my personal information if I did n't have my drivers license. I had to make the deposit, so I proceeded back to the teller 's window and presented my drivers license. She took the information and gave me a receipt. The transaction took about 10 minutes for her to enter my license and personal information. I asked her for the District Manager 's information and she said she did n't have it. She asked me to get it from the Branch Manager. I told her that I already spoke to him and that I was not granted that information. She then asked her colleague and was told to give me the manager 's email address. She gave me the email address and did not apologize for the inconvenience. I was concerned at this point because she initially told me that she did not have the managers information, and the branch manager said the same thing. After leaving the branch I called their customer service at XXXX. I asked to speak with a Supervisor and that I wanted to make a complaint. A supervisor named XXXX came to the phone after 10 minutes or so. He told me that it was a Federal Government law which required them to ask for my license and personal information to make a cash deposit and that all banks do this. I told him that it was n't true because I made similar deposits at other banks like XXXX and XXXX, and they never asked for my license. He said that it was bank policy as well and it was for any amount of cash. I asked for the District Manager 's number and he told me that he could not give me that information. He said I could only file a complaint and that even if he called the manager, they would not answer the call. He then said that if I did not have my license I would need to provide my social security number and personal information. He told me that the bank did not have to post this policy anywhere nor online because it was Federal Law. The bank did not help me and treated me unfairly.
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| 12/21/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I have recently finished with a loan mod on my 1st mtg with XXXX XXXX and am in the middle of a review on my 2nd. After my husband passed I 've been thrown into a huge financial tailspin, and trying diligently to do the right thing. I received the following email from XXXX with CitiBank. As per her email. I called CitiBank to find she was not in and not sure when she would be. the gentleman I spoke to would not accept the payment I tried to make ( as instructed to do so immediately in her email ), per his " supervisors '' direction. In the email she asks for my XXXX tax statement, which I do not have yet. My accountant is working on it as I type this to you. I can not give what I do n't have, and he wo n't take my payment with out it.. I am completely frustrated. Until this year I 've never been behind on either mtg. I have not, admittedly, handled my husbands passing very well. But when I am instructed to make this payment even tho I am in review or they will foreclose, and I try to do as told, only to hit a brick wall, I do n't know what to do next. Any help you can provide would be most appreciated. XXXX 's email is now being copied into this msg..
Hello XXXX XXXX and XXXX XXXX I hope this email finds you well. Thank you for your patience while I reviewed your documents. The only thing missing is the tax returns. Your extension expired on XXXX/XXXX/XXXX, so we need them in order to finish the review. Also, your file is listed as a possible release to a third party at the end of the month. If this happens, you will no longer be eligible for review on a modification. In order for me to place a hold and assure your file to stay with me, I will need you to make a payment to bring the file under 180 days past due. XXXX monthly payment will be enough, as you are currently at 193 days past due. Please make the payment by XXXX/XXXX/XXXX in order to reduce the risk of going to collections. Please let me know the date you will be able to make the payment so I can submit the hold request as soon as possible ( Today preferred ). Please phone in a scheduled payment if you can, so that the payment can be seen in the system and show that you definitely plan to make it. Please try and send the document in by XXXX/XXXX/XXXX, if you can, so that the file does n't get turned down for incomplete documents ( It was due by XXXX/XXXX/XXXX ). Please put your full name and account number at the top of each document. I will continue to follow up with you weekly, and notify you of any updates. If you have any questions, you can always call me. If I 'm not available, then please schedule an appointment for me to call you back. Thank you for your cooperation in this matter, and I hope you have a great rest of your day XXXX. XXXX Tax Returns all pages and schedules, signed and dated on page XXXX of the XXXX.
This information can be faxed to XXXX, or emailed to XXXXXXXXXXXX. Please add your name and account number on the top right hand corner of every page you send, and copy the email to me at XXXXXXXXXXXX so I will know what you have sent.
Please reply to this email with at least a " thank you '', so that I know you received it.
Thank you for being a valued CitiMortgage client.
Remember, during any point of your treatment review, you can reach me by telephone at XXXX XXXX XXXX XXXX, XXXX. XXXX, Monday, Tuesday, and Thursday XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, and Friday XXXX XXXX. - XXXX XXXX XXXX XXXX XXXX, or email me at XXXXXXXXXXXX. I look forward to working with you.
Sincerely, XXXX XXXX Single Point of Contact XXXX, XXXX XXXX ( use leading XXXX ).
CitiMortgage , Inc .
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ABOUT THIS MESSAGE Calls are randomly monitored and recorded to ensure quality service.
I ADMIT I AM SCARED NOW ... ... ... .WHAT CAN I DO????
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| 10/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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My complaint actually relates to both Citi mortgages and also my Citi Credit cards. Some experiences were good, but others were either illegal or unethical. In this case, I am primarily referring to my second Citi Mortgage ( before then, I had a different Citi mortgage, which I paid off, but that is not relevant in this particular complaint ).
My primary and then only mortgage left on my house only had about {$4500.00} left to pay before it was closed. But apparently, when I switched my bank to XXXX XXXX, a mortgage payment was a couple of days late due to a delay with XXXX XXXX while setting up my new account ( Citi 's mortgage check arrived three days later ). Thereupon, I received a call from a man at Citimortgage who was belligerant and to my mind bullying and harrassing me. He wanted my routing number, but I did n't trust him enough to give it to him. I told him that I would pay off the mortgage and after all I only owed a few thousand dollars left on the mortgage but he continued threatening and bullying me.
So, to not have to deal with Citimortgage any longer, I immediately logged in to my mortgage account and listed my routing number and paid off what was left in full.
And even though I paid off the mortgage in full, I was almost immediately getting constant calls from people trying to loan me money. Some were very rude and nasty. When I told them I did n't need money from them, some of them got belligerant and insisted I was wrong, I needed their money. I have never gotten calls like these in my life, it was obviously instigated by the Citimortgage guy.
On top of that, he called the Citi cards, evidently telling them that I was a bad risk ( which I absolutely am not ) and they notified me that they reduced my credit limits from about {$17000.00} each to {$500.00}, {$2000.00} and they threatened to close the third entirely unless I paid a substantially increased amount per month.
Given the circumstances I immediately paid the {$9000.00} balance on the XXXX Citi card in full, even though I still had 0 % interest ( with the previously paid XXXX or 4 % fee ) on the card. So, given that I immediately paid off both my mortgage debt and 0 % credit card debt I had absolutely no Citi debt. Even so, Citi would not reinstate my balance although I always pay my bills and had a very high XXXX score.
Despite the various things over the years that as I said were either unethical or illegal, my immediate complaint is that, nine months later, they continue to refuse to notify the XXXX organizations that I have paid everything in full.
These days, many credit cards report the actual XXXX scores, not the fake scores the XXXX companies give you if you purchase their score. So I can see on XXXX XXXX XXXX, CitiCard and XXXX that although I have a high XXXX score, it was reduced by probably around XXXX or XXXX points because Citi mortgage refuses to notify any of the XXXX companies ( XXXX and XXXX ) that I have paid off the mortgage in full. Consequently, all my statements regarding my actual XXXX scores with the different companies are lower because they do n't know if I 'm paying my mortgage or not.
I have called Citimortgage more than a dozen times reminding them that they have n't reported that I 'm paid off. They have no problem reporting every month that I 've paid my mortgage, but now that it 's paid off they wo n't perform their fiduciary duty. I have spoken to a number of managers and staff people ( sometimes they 've called me ) yet, nine months later, they still wo n't report it. I believe this is on purpose, to harass me. Or they could care less if they mess up someone 's life.
The reason that I care ( besides I despise liars and being conned ) is also because I am about to sell my house in XXXX XXXX and buy XXXX fixer uppers. They do n't care, and they continue to ignore me.
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| 11/17/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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I applied to the job of a XXXX XXXX on XXXX and was connected with XXXX XXXX who was in contact with XXXX XXXX that made up a company called " XXXX ''. XXXX XXXX asked me to transfer {$1000.00} to XXXX XXXX via XXXX to help fund the art supplies, so I did. He then asked to transfer another {$1000.00} to complete another order to XXXX XXXX and I did. XXXX told me I would be fully reimbursed and paid the following Monday. But Monday came and I was not reimbursed so I emailed XXXX but was told to wait till Saturday. It was Saturday and was still not given my money back so I reached out and was told to wait another week. It has been 2 weeks so I emailed XXXX and was told that he was scammed by XXXX XXXX and should file a dispute. I have tried to contact XXXX but am not confident that she will reply. Her email address is XXXX or XXXX and her address is XXXX CT XXXX.
This was the email after I received the job : Thanks for getting back to me, I am happy to receive your response. I went through your profile and I think you are qualified for this job. I am looking forward to working with you.
My aim and intention is to be able to restrict myself to painting alone while I have someone else who will handle all sales and customers request. This is one of the reason why I am bringing it online so that the business can continue even when i am not available.
This is why I need to bring my art online by setting up an online gallery.
Your involvement in this business venture will be very limited for a start, but you will get more involved gradually over time in order to give room for you to learn the basics.
But For now, while I will respond to all client inquiries and provide them with all information needed such as price list, sizes and history behind every painting, I will refer them to you to complete the sale if the buyer still wants to proceed to purchase.
All you have to do is to receive payment, coordinate packaging, reproductions and shipping. You will be working along with my printer who will be making the prints while i will handle the packaging and shipping.
I majorly market my arts through agents and galleries and usually get between 7 to 10 inquiries in a week and out of this, 3 to 5 of them ends up buying while the rest might delay purchase or look elsewhere thus you will only be dealing with those who wants to buy only.
You will also mail an invoice to the buyer after payment and keep record of all sales.
Later in the future, I would want you to find a local printer who can make prints for us ( Though I think you might not be ready for that now ). My printer handles this for me and his service is quite expensive.
To proceed, you will have to set up a merchant account ( Don't worry, I will walk you through the process and it is free to set up. ) but before that, please let me know when you will be ready to start working and if the terms explained above is clear to you.
Lastly I want to know if you have any special interest or passion for art or if you are just taking this job for the extra income. ( This is not a requirement for this job, but just to know you better ).
Like I stated earlier, this does not require you to make any payment/ investment or appear physically at the job location as all work will be done virtually right from your location nor do anything illegal.Please let me stress that my job gives little room for online browsing and I might be very difficult to reach sometimes when I have a special assignment, but this does not happen all the time.You need to work from Monday to Friday and sometimes on Saturday.likewise you can be flexible with your time plan by working either in the morning or afternoon.However, i will provide you all that is needed to setup the simple website as well.
Hope to have your response soon ; Thank You.
Regards, XXXX XXXX XXXX
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| 02/03/2016 |
Yes |
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Web |
Older American |
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While shopping in Macy 's in XXXX XXXX I was persuaded by a customer service rep to open a joint account for my daughter. The rep informed me that after my daughter had received the card she would be able to contact Macy 's and have my name removed from the card. The card was approved and I never received a credit card or statement because all of this was sent directly to my daughter 's address. Approximately six months later I received a call from Macy 's in reference to a late payment. I informed them that I was under the impression that the card was not still in my name a I had never seen a card or a statement. I was informed that the card was in my name. I then informed the representative that I wanted the card closed. I was informed that I could not close the card because it was a joint statement. I then stated that I wanted the card usage to be suspended until the balance was paid off. I was told that they could not do that either. I asked for the bills to at least be sent to my home so that I could monitor the payments. It took 3 calls to Macy 's to receive the bill. When I saw the bill I was surprised to see that they had my name incorrect with the wrong middle initial. XX/XX/XXXX my daughter initiated Chapter XXXX proceedings. Her attorney 's office informed her that she could file Macy 's under her Chapter XXXX. She later informed me of this. From that point I no longer received any statements from Macy 's. I received no correspondence from Macy 's including a statement or late notices. I was under the impression that the attorney had given her correct information. I received a letter in the mail from Macy 's XX/XX/XXXX informing me that they had been trying to reach me by phone and wanted to verify my information. I in turn called Macy 's to see why they were trying to contact me. They informed me of the credit card charges. I informed them that the account was under a bankruptcy. They then claimed that they had no information under my daughter 's name or her social security number. They were holding me responsible. I talked to a Citibank representative and we were not able to resolve anything as she was trying to twist my words and she gave me the wrong name for my daughter. On XX/XX/XXXX I was able to speak to a representative named XXXX and explained to her what my complaints. I first asked her for the account number as I have no record of the account number and she told me that they were unable to give account numbers over the phone. But ... she wanted me to make a payment over the phone. I explained to her that I was not willing to make a payment over the phone to an account number that I did not know and that I would certainly bring the account up to date when I received the statement in the mail. She said that she was generating a bill and that I would receive in seven to ten business days. Why so long I do n't know. I have received three other calls since then from Macy 's and Citibank about the account. I have explained that I am waiting on the bill. I have been told that they they see in the computer where XXXX generated the bill and that they could not generate another. I asked could they expedite it and was told no. Incidentally I have worked for the postal service for over 25 years and it is rare that it takes more than fourteen days to deliver a first class letter. My main complaint about Macy 's and Citibank is that I believe that they are purposely delaying the delivery of this statement to accrue as much interest and tack on as many extra charges as possible. The majority information that they supposedly mainly pertains to my daughter such as e-mail address and they have her address included on my credit report. This is adversely affecting my credit status and I believe could have been avoided if Macy 's had chosen to send a bill to my home as requested.
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| 06/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
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Hi, The issue I want to raise here is the refusal of Citi bank to credit back ( refund ) my annual fees that they promised to refund me.
I had a Citi / XXXX XXXX XXXX XXXX Credit Card which carried an annual fee of {$50.00}. On XX/XX/XXXX, I was charged the {$50.00} annual fee for the period of XX/XX/XXXX to XX/XX/XXXX. I called Citi Credit Card department ( henceforth referred to as " Citi '' ) around XXXX XX/XX/XXXX to see if they could waive the fee off ( they usually have different deals to waive fees off ). They did provide me a deal, but I refused since it was not a good deal. So during that call, the Citi rep asked me to call back later to check for a new deal.
Again in XXXX I called back again ( around XXXX XXXX I believe, but don't remember the exact date XXXX to check for a new deal. Since there were no new deals, I asked the rep to cancel my account. Before canceling the account, I asked her about the fees and she said that the fees would be refunded back to me at the end of next billing cycle. Therefore I asked her to cancel my account. She canceled it and told me that the negative balance of XXXX {$25.00} ( at the closure of my account, it had a negative balance ) would be refunded back immediately and the {$50.00} annual fees would be refunded back at the end of next billing cycle. But to be doubly sure, I called back again a few minutes later to make sure that my fees will be refunded to me. The new rep on the line told me the same thing and said that the negative balance of XXXX {$25.00} would be refunded back immediately and the {$50.00} fees would be refunded back at the end of next billing cycle.
Within 5 days, I saw my ~ {$25.00} back in the account. But even after waiting until the end of next billing cycle, I did not receive the {$50.00} fees back to my account. So I started contacting them ( around late XXXX ). But due to Covid-19 the wait times were long and after several attempts ( including once waiting for almost 4 hours on the call ) I could not get hold of anyone. Then I found about their in-app message support system. So using the Citi XXXX app I contacted a Citi rep on this issue and they replied back saying that the fees can not be refunded because I closed the account more than 37 days after being charged the fee! I tried contacting them again in XXXX and XX/XX/XXXX, and different reps ( a few in XXXX and one of them in US ) always told me the same reason for not refunding the fee!
This is ridiculous since during my cancellation call ( in XX/XX/XXXX XXXX the Citi rep never told me that and instead assured me the fee would be refunded. Even on my second call that same day ( card cancelation day in XX/XX/XXXX ), a different rep assured me that my fees would be refunded. But because I have no proof of the same, Citi is refusing to refund my {$50.00} fee! I would have never canceled my card if the rep had told me that day that the fee would not be refunded. Now after just using the card of about 2 months, Citi has charged me an entire year 's worth of fee. They promised me to refund back the fee on cancelation, but now refuse to refund me my fees!
The big problem here is that, in such cases the customer never has proof of what was conversed in a call and therefore has no way to prove it. And that way, Citi can keep refusing to refund fees to a customer and the customer would become powerless, without a way to get their money back. On one hand a rep can lie to you and then days/months later another rep will say something else and you would have no way to prove what the first rep told you.
The sad part for me here is that I have been a long time Citi Credit card and Citi banking customer. I have 2 credit cards and a bank account as well and yet they lie to their customer and refuse to refund them the promised fees.
Please help!
Thank you!
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| 12/10/2016 |
Yes |
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Web |
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I have been in collections on a credit card for a very long time for Citibank, N.A., Citi AAdvantage World Mastercard I was already setup on a payment plan with the first company that collections were passed off to : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX I have been making payments to them for over a year via Direct withdrawals from my checking account, through several 6 mth agreements.
Now this last month I got a call from a new collections company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX the day after XXXX took out a withdrawal, asking me to make arrangements for payment and offering a settlement. I negotiated a settlement with them for {$1000.00} and asked them for a letter stating that the settlement would close the account paid in full ( to ensure I would not hear from another company later on for the remainder of the balance ) They faxed over the letter. I also asked for a letter stating that they would remove this account from the credit history on my credit reports. They stated that they were not in control of this and I would have to contact the credit owner, CITIbank, and gave me the number.
I contacted Citibank and talked to an individual " XXXX '' I think, that stated that Citi does not do that, ever. I stated that that is false and it is done all the time and even documented on several occurrences on the internet with names and tracking of the companies involved, and even recommendations from attorneys, that I request it before settling anything, hence the request. He stated that that is false and untrue.
I told him he was wrong and asked to speak to his supervisor. He asked me to hold while he checked on availability for his supervisor. After a couple of mins he came back and stated that his supervisor was busy but that she would call me back, then proceeded to tell me that after I settled or paid off the loan that then I could request in writing that CITI remove the credit history from my reports and that is how they handle that. I stated that that letter would be a waste of time because if I 've already paid off the account or settled, then there is no leverage reason why CITI would negotiate to do this, hence the advice online from attorneys that you get it in writing up front, because even when you have that, many times you are forced to threaten to take them to court just to get them to follow through on what you already have in writing.
After remaining on hold several times with several different people at the call center who could n't pass me on to a supervisor because they were too busy and supposedly would call me back and never did. I gave up.
The next day I got a call from XXXX stating that they could no longer settle with me because CITI had called the account back and I got a call from XXXX asking me to setup a payment plan for the same account with a different amount. Keep in mind, I still have a documented withdrawal setup to come out on XX/XX/2016 with the same company.
So now, not only have I not only been paying for a long time, on time, every time payments for the account in question, and the debt being passed off to another company to attempt collections at the same time, but I 'm being called in an attempt to collect the debt in a 3rd way by the same company I am already paying. And they ca n't claim that they were just calling to negotiate continuing payments, because when I stated that I already have payments setup in the future for this account with her company, she did n't have a clue. " Oh, really, we just got this account today ''.
I would say now this constitutes as harassment. I 'm now being hunted not only by XXXX different companies for the same debt, but XXXX of those companies is attempting it twice through different people when payments are already established and agreed upon.
|
| 02/27/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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Web |
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|
Never felt so small, due to how I was treated ... ....
This is my ( sic ) story of how numerous avoidable events that took place at the Citi Bank branch made me feel like I was pre-judged, demoralized, discriminated against, and made to feel like less of a human by a couple of employees at the Citi Bank branch # XXXX in XXXX, CA. My initial reason for going into a branch in the first place was to get a temporary debit card, on the advice of a Citi Bank customer service representative via telephone contact. In an attempt to reconcile my concerns about my debit card, I was made to look like I was an uneducated, less than human with no rights or voice, unimportant, poor XXXX attempting to open my first bank account. My frustration started at another Citi Bank branch, due to their customer service and lack of unwillingness to help me resolve my issue. By the time I reached branch # XXXX, this is day two getting the run-around and chasing this card after banking hours and with no resolve. After several long minutes of waiting around to be helped, I noticed XXXX sitting at her desk not attending to any customers or and watching me. She finally decided to help me probably just out of lack of me noticing her, and I could tell she had an attitude. XXXX seated me and then coldly asked me for my information, in the most impolite, unfriendly, unwelcoming way that seemed belittling. She blatantly showed me no regard and no concern for my situation regardless of her prejudice. The look she gave me before even uttering a word to me was that of disgust, ( like I was growing some type of XXXX out of me ). After looking into my account XXXX advised me that my account was blocked and her manager would have to help me, but because of my frustration I was prompted to again contact their customer service department by phone for some other type of solution and also for record. I spoke directly to a supervisor, she informed me that my account was fine and there was no need for the branch not to issue me a temporary card. The agent on the phone requested to speak with XXXX several times and XXXX refused several different times. XXXX refused so much to speak with the manager on the phone that the supervisor on the phone, informed she would make her own report of the branch if she did not answer. The branch manager was as unhelpful as her employee and chose to pre-judge me for whatever reason. Deovi ( which is the branch manager ) felt as if she had was justified and merit in the way she was treating me when she saw in my account that I am currently in check systems. I voluntarily disclosed to her that I had a horrible experience with identity theft that was ongoing with an ex-friend. I also voluntarily informed her that I had covered all my bases, i.e. ( police report, fraud on my credit report, text messages, and video ) of the incident, to further ease her mind. Even though I did not feel the need to explain myself to her, I tried to ease her mind. After I took the time to explain myself, she looked at me and told me she would not issue me a card until I produced a check for her to verify. At that point, I almost lost it, due to feeling humiliated and belittled. Thank XXXX for recordings, I was on the phone with customer service the whole time. My experience left me with a sour taste in my mouth for anything Citi Bank. I felt like I was treated with the utmost disrespect and in an uncivilized manner, that no human being deserves. It was definitely a far cry from the kind of service I would expect from any well established business, let alone a large financial institution. Due to the way I was treated on XX/XX/2017 specifically by branch employee XXXX and manager XXXX at the XXXX branch # XXXX, I requested that my account be closed and I get a receipt to show they had closed my account. XXXX told me she
|
| 02/08/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
On XXXX XXXX, 2015 I discovered that I am the victim of identity theft and fraud when I received an email from Best Buy thanking me for a {$2400.00} purchase. I dealt with that and filed a police report. An hour later I received a call from XXXX asking if I was in their store trying to buy a {$7000.00} purse. I dealt with that and their loss prevention dept. I canceled my card. After accessing my Best Buy account, I discovered that the purchase was actually on XXXX XXXX.
I went online and made reports with all XXXX credit reporting bureaus. I went through my all of my credit cards and cancelled all of them and indicated that the reason for doing so was because of identity theft. Macy 's was one of those credit cards.
On XXXX XXXX I received an emailed receipt from Macys in the XXXX XXXX XXXX for {$1600.00} in purchases. I immediately called Macys and reported the theft ; I called the number on the back of my credit card and reported the theft ; I found out that the Macy 's fraud dept does not work on weekends or after XXXX central time.
So I went online and sent several " contact us '' forms informing them of the theft and that my card was supposed to have been canceled on XXXX XXXX. I received auto replies.
All of the thefts were done via the cashiers giving out my credit card numbers. I still have all of my cards and my driver 's license.
Macys insists my driver 's license was presented to get my credit card info. Despite my telling them that I have my driver 's license and I 've never been to the XXXX XXXX XXXX, they did n't care.
I received a credit card statement in XX/XX/XXXX for $ XXXX in purchases from Macys XXXX on a credit card I 've never had and which did n't match the number the cashier gave to the thief on XXXX XXXX. The statement also included purchases on that " new '' credit card on XXXX XXXX. I again called Macys and explained that I never had the " new '' credit card. So they told me it was sent to me in XXXX 2015. Regardless, I 've never received it and I 've never made purchases with it. I made purchases after XXXX 2015 using the XXXX and only card I 've ever had. In fact, when logging into my account, the " new '' card has never appeared. Still, they do n't care.
I received a letter from Macy 's with receipts attached - no signatures- and all on my credit card number as given to the thief by the cashier in the XXXX XXXX XXXX .
So I called yet again and again I was met with " your driver 's license number was given. '' The woman got nasty and kept putting me on hold to talk to her supervisor. Then she says clearly I was given the wrong number to call and I was mailing my letters to the wrong addresses. All of the addresses I used were on the Macys website. So I took note of the street address where she wanted my letter sent. She said she 'd send me the correct fraud forms to fill out.
The next day, a Saturday, in the morning, I received an overnight XXXX envelope with a new Macys credit card! No fraud forms, no letter, just a new credit card. I also received an email reminding me that I owe a payment on the {$3700.00} balance!
I 've sent 2 letters certified return receipt requested and I 've not received a phone call or letter with the requested business records of the transactions in question.
I did not activate the new card. I informed the credit bureaus of what Macys is doing : issuing a new card and transferring the balance in question to new cards so when I contest the balance on XXXX card, they move it to another XXXX to avoid having to not try to collect the disputed debt.
Macys has since blocked access to my online account. And of course, they sent a message to me on an account I do n't have access to. I called to request a copy via snail mail. I doubt it will come. I 'm waiting on my signed returned receipt cards before I proceed further.
|
| 12/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
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|
Starting on XX/XX/XXXX I began to get text messages from Citi about potential fraud activity, By early XXXX I began to get calls from Citi about potential fraud activity.
There were some fraudulent charges on my ATM that Citi, so they cancelled that ATM and sent a new one.
Less than a week after getting the new card, activating it, Citi called again and there were a plethora of fraudulent activity including : Wire transfers, XXXX payments. So Citi had me close that account and open a new one, which we did.
I received the new ATM card, activated it, but Citi hadnt moved my money, after another several hours on the phone they unlocked the old account and finally moved my money. Relocked old account.
I began getting fraud alerts again. Called Citi and they placed a lock on the account. Before that happened, I had : - I logged in and noticed someone had changed my email and mailing address.
- I changed them back.
- I went to see when they had sent me checks for this new account ( so I could get my money out and into my new local bank account and saw that whoever had changed the mailing address had expressed checks to themselves at a XXXX address. I live in XXXX, MA.
- I was then contacted that my Citi credit card had potential fraudulent activity, sure enough there were attempted charges to it, Citi cancelled that card and sent a new one.
At this point I lost any faith that Citi had a handle and I just want my money out of the account so I can close it and be done with it. I was told a variety of options from Citibank : XXXX. I HAD to go to a branch to close my account. I couldnt close my account over the phone. ( The closest branch is a 4 hour drive each direction, not an option for me ) 2. Someone told me I could close the account over the phone and my options were : a. They could close and mail me a check it would take 10-15 days to receive a check b. My new bank could initiate a bank to bank transfer to request the funds out of my citi account to my local bank account ( XXXX XXXX ) c. I could write myself a check from this account to my new bank ( not an option since the checks hadnt arrived and still have not ( ordered XXXX, as of XX/XX/XXXX still havent arrived ) XXXX. I went to my new local bank and talked to them about the bank to bank wire transfer. I was told that they can not initiate it, it has to come from Citibank.
4. I called Citibank again they told me they could not do the bank to bank transfer, my account is locked, when I asked them how I can get access to my money so I can pay my bills, etc. They had no answer for me.
5. I called another time, talked to someone named XXXX who said he could close the account and send me a check. I asked for confirmation that he could do this via email or a reference or transaction number, he said he couldnt provide that. But it would be 10-15 days for me to receive a check.
6. I waited a few days and decided to call back to check on the status. Told it was processing because there is a fraud investigation and it would not close until the fraud investigation is resolved.
7. I have no ability to use online banking to see what is happening with my accounts.
8. I have NO ACCESS TO MY MONEY. I can not pay my bills. Citi doesnt seem to care.
9. I have spent over 20 hours on the phone with Citi customer service. I have had calls dropped, I have been transferred to supervisors who are not supervisors, I have begged multiple times for this to be escalated or sent to a US-based person who could help me navigate. They either refuse and just do not answer me. There is no one that can troubleshoot. Every time I have called I have to re-explain the situation over and over. I am bounced between Fraud and Customer Service often just sitting on hold with no response for 30+ minutes. More details, but thats as succinct as I can get.
|
| 03/28/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am providing information of concerns related to the actions of my lender in creating an escrow account that has created a very stressful financial burden. I could n't understand why CitiMortgage did this because we had been paying our taxes. They told me a notice regarding this was forwarded which I told I had not recalled seeing. I informed that I open every piece of mail received from their office and shared I found it interesting that they had not sent this notice " certified '' and " regular '' mail, which is something Citi often do. In this case that did not happen. But because the bank had already submitted the tax payment, it created a negative escrow balance and additionally increased our mortgage by approximately {$640.00}, which could be applied to our auto insurance and utility bill. In asking if this could be removed or decreased, I was told I had to comply with the criteria which I have not found in my contract, was to 1 ) pay the mortgage on time for 12 months ; and 2 ) pay the negative escrow amount ; and 3 ) then paying the reduced mortgage amount of {$1200.00} for the year and then after that they would " consider '' removing the escrow account. Even incurring the increase of $ XXXX that money could pay the utility and sewer bills. On one other occasion, Citi created an escrow account but removed it after I complied with another " criteria '' which was to pay the XXXX quarter taxes. That was not an option this time. I requested this removal because of its financial burden and simply because the taxes are ALWAYS paid. I 'm not sure what Citi 's motives are with my account, so it would not be in our best interest to not pay the mortgage or taxes. In XX/XX/XXXX, we will have been in this home 22 years. The difficulties have only occurred within the last few years, but again, the mortgage AND taxes were ALWAYS paid. Early XX/XX/XXXX I spoke with a Citi rep to explain the current hardship noting it was because of my husband 's XXXX, paying the other household bills and my daughter 's XXXX. Considering that, it seemed quite insensitive for the bank to increase the mortgage to a whopping $ XXXX a month because of our " paid '' taxes. This has provided a more stressful financial liability. I must not fail to note that this is our second and last child to complete a XXXX. Considering the taxes are paid EVERY year AND with XX/XX/XXXX as my daughter 's " XXXX '' year of XXXX, adding an additional {$650.00} to our load means coming up with additional funds for our bills. The insensitivity comes in when considering that the XXXX quarter had just passed its due date and with her college year ending before the XXXX quarter barely starting, having the tuition gone would lighten our overall load. If after XX/XX/XXXX we still presented a concern, then I could understand an escrow account. I ca n't comprehend why the bank was insistent on the escrow account. I explained to the customer service rep, to the tax and accounting office reps that once graduated the taxes would not be a problem. Unfortunately this escrow seems to be something of a broader issue. It 's unfortunate that the bank did not seem sympathetic to increasing the mortgage from {$950.00} to over {$1600.00}, it is an irrational and regrettably, and to me like a tactic to get us out of our home. Although it would not benefit them by removing us, it truly is n't benefiting us by increasing our mortgage. My point is the mortgage and taxes are paid EVERY year. I understand the bank 's rights and their concern but what I do n't understand is how they can be insensitive to my request when the mortgage and taxes have been paid every year without fail for the last 14 years. But increasing the mortgage by adding an escrow account at this point is a very deceptive incomprehensible tactic to strong arm a hard working family.
|
| 05/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American |
|
XXXX XXXX , 2017 I tried to make a purchase at sears.com When checking out they offer a 30 % credit on your first purchase u p to a maximum of {$35.00} if you apply for their Sears Master Card Citi Bank Charge Card . After applying online a page pops up that says they need more information and to call a toll free number. I called and was approved but was told that since I had to call the promotion would not apply. I had my wife apply for the same Sears Master Card promotion offer and she was told to call and the promotion would not apply to her either. We both have XXXX plus credit scores so their should not have been any reason to call to get approved. I believe they are doing this to every applicant. It seems Sears and XXXX XXXX are just using this promotion to get new cardholders without having to honor their advertised promotion. It would also appear Sears and Possibly XXXX XXXX are both utilizing false advertising or a bait and switch tactic to scam unsuspecting customers.
Here 's their offer and terms.
Sears Card Offers 30 % off ( up to a total statement credit of {$35.00} ) when approved for a Sears Mastercard and make a purchase today. Apply at Checkout.
**30 % Off Offer : With credit approval, 30 % off with qualified purchase up to total statement credit of {$35.00} when you make your first qualifying purchase today with your new Sears Mastercard . First purchase must be made same day as account opening in order to receive statement credit. To make a purchase today at a Sears or XXXX store, bring a photo ID and have an associate complete an account number look-up. Limit one new account offer per account. Offer at participating locations only and may vary. The new account offer of 30 % off will not apply if your first purchase or subsequent first day purchase is subject to different special financing ( deferred interest ) offer. Offers are subject to change without notice. Restrictions apply.
1 Subject to credit approval for qualifying purchases made on a qualifying Sears card at participating locations. Purchase requirements and exclusions apply. May not be combined with other offers. See store signs or associate for details, or visit sears.com/credit . Exclude s Sears Commercial One Accounts and Sears Home Improvement Account valid on installed sales only. Offers are subject to changes without notice. +Sears Mastercard New Account : As of XXXX / XXXX / XXXX , the APR for purchases and balance transfers is 25.99 %, and the APR for cash advances is 27.90 %. These APRs will vary with the market based on the Prime Rate. The Minimum Interest Charge is {$2.00}. The cash advance fee is 5 % of each transaction ; minimum {$5.00}. The balance transfer fee is 5 % of each trans action, minimum {$10.00}. The transaction fee for foreign purchases is 3 % of each purchase transaction in U.S. dollars. See card agreement for detai ls. Subject to credit approval. Limitations, terms and conditions apply. You will be given further information when you apply. The Shop Your Way program is offered by Sears Holdings Manageme nt Corporation. Citibank is not responsible for products or services offered by other companies. As of XXXX / XXXX / 2017, the APR for purchases ( and for the Sears Mastercard, th e APR for balance transfers ) is 25.99 % and the APR for cash advances is 27.90 %. These APRs will vary with the market based on the Prime Rate. The Minimum Interest Charge is {$2.00}. The cash advance fee is 5 % of each transaction ; minimum {$5.00}. For the Sears Mastercard, the balance transfer fee is 5 % of each transaction, minimum {$10.00}, and the transaction fee for foreign purchases is 3 % of each purchase transaction in U.S. dollars. See card agreement for details Sears cards are issued by Citibank, N.A
|
| 03/07/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
Macy's/ Amex Fraudulently added penalties and interest to account. See below : XXXX XXXX, XXXX Macy 's , Inc.
XXXX XXXX XXXX XXXX.
XXXX, OH XXXX RE : Customer Complaint Dear President /CEO : Often the interest in profiteering by large corporations creates an environment where numbers on paper become more important than individual customers. These customers are the reason the company engaged in merchandise sales and service will ultimately survive and prosper or fail. Turning a blind eye to that fact and poor decisions to increase profit on paper leads to programs, policies and third party administrators that completely alienate that which you rely on the most for business, your customers. To keep those customers, fairness and a proper resolution of problems with human beings is your life blood even though some in society engage in a less personal staring into a phone screen lifestyle. Your company will rely on and always need human beings that are customers that involve professional sales and service to purchase your merchandise. Part of the service with the shopping experience is your store credit. I opened an account with Macy 's and used it time and again. However it is your credit card and the service that is the reason we will not shop there again and I feel that it is important that you understand this so that you might be able to prevent failure as a business.
Two weeks ago, I was called and told that I owed over {$250.00} on my Macy 's account and it was 120 days past due. I inquired for what had I purchased and not paid for in a timely manner. According to the " Citibank '' caller a purchase was made on the store credit account for {$29.00} XX/XX/XXXX. The credit card expired on XX/XX/XXXX. The Card is in the name of and ends in XXXX. I have never received a statement, a bill or an overdue notice on that purported purchase either by mail or email. I have been in Macy 's and checked with the clerk each time I was in the Macy 's as a regular customer in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX making many holiday purchases using cash or otherwise since the card expired. I was told by multiple clerks that the card showed closed and there was a XXXX balance. In XXXX, I filled out an application to renew the card as it showed closed in XXXX. On XX/XX/XXXX I received collections calls for the {$250.00} and when I was told that it was for the XXXX purchase, I asked to what was the other {$220.00} dollars for and was informed penalties and interest. It also showed a closed account in XXXX by expiration and there was no information about the renewal application I filed in XX/XX/XXXX even though I had received new cards showing the account open thru XX/XX/XXXX. So in less than 5 months a {$29.00} item increased almost 10 times its value without receiving a bill, statement or notice of past due in the regular mail or email at any time prior to the call which made me livid. The caller reviewed the computer screen, agreed with me and advised that they understood how I it was unreasonable. They then advised that penalties and interest would be reversed and I authorized payment for the {$29.00} item out of my bank. That caller also advised that there would be not negative credit rating on my record and if so that would be reversed as well. I was assured that I would receive an update that this had been corrected either by mail or email and it was not done. Repeated attempts at correcting this garnered inconsistent statements, false entries different than the card holder was told, multiple hang ups during critical times, continued calling when told not to call again, no response to further inquiries and adding on additional penalties, interest and fees while dispute is still pending with the company. It has been nearly 2 months with no response nor the account corrected.
|
| 10/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
CITI Mortgage - Modification-added over XXXX to my balance.
XXXX/XXXX/XXXX Modification offer # 1 ( Trail payment XXXX ) XXXX/XXXX/XXXX offer # 2 ( Trail payment XXXX ) Trail payment was on XXXX, XXXX and XXXX XXXX trail payment was made on time as per the agreement and was told should receive the document to sign and return back .I keep following up and finally get a manager stated the agent who is assign to this case is no longer with Citi XXXX
XXXX So now the new agent review the case and stated she is very confuse will review with her manager. Per her manager everything is good and I should receive the final modification documents.
XXXX/XXXX/XXXX Email from agent ( Thank you for your last trial payment should will draw the final modification documents will sent to you ) XXXX/XXXX/XXXX - Email stated we miss our payment trial, she was very confuse I try to explain but she refuse to work with me will have to have a manager review the case. I keep calling and leaving messages no reply.
XXXX/XXXX/XXXX letter received stated unable to approve the modification.
XXXX/XXXX/XXXX Need to open an escalation case with the Executive office -- all documents was email to Executive unit XXXX/XXXX/XXXX - XXXX keep working with the executive unit made all the payment requested to keep the current under the 2rd modification term in the mean while the account went in foreclosure.
XXXX/XXXX/XXXX Copy of document from the Executive unit.
At this time, we will pursue with the modification that was given to you earlier this year. We are processing the missed trial payments, and will be delaying the sale date, as we wait for the final modification document to be drafted. Once the payments have been applied to the account, the closer will begin on your documents. The foreclosure decision will be made within the next couple of day. As you have kept up with your side of making the missed trial payments, we will honor the modification. I will follow up with you on final modification documents when they are prepared and ready to be sent.
XXXX/XXXX/XXXX I had to request upper management to look it to this - they did post pond the sale date and apology for their error this should have not gone in to foreclosure.
XXXX/XXXX/XXXX 3rd Modification was completed.
1.
Once the Modification was completed the added about XXXX to my balance. Before the Modification the balance was XXXX once the completion the balance is {$210000.00} which I also make a total of XXXX in payment. I been requesting a summary/break down of the charges I keep getting a summary of the payment and the capitalized amount of XXXX total. No breakdown of the charges.
XXXX/XXXX/XXXX - XXXX/XXXX/XXXX I been try to get an explanation of the charges of over several months and getting no result. I was told to send my request in write each time. Keep getting the same information. At one point the manager stated that they is no way I can get that information it only for the underwriter.
I keep requesting it.
XXXX Email Received Thank you for your phone call today. The modified principal balance in XXXX XXXX, was {$210.00}, XXXX, XXXX term, interest, taxes and insurance and escrow which = my monthly payment etc. The total amount capitalized into the modification was {$15000.00}, therefore the principal prior to the modification of XXXX, plus the capitalized amount of XXXX total XXXX.
2.
XXXX/XXXX/XXXX My Mortgage was transfer to a new company which is XXXX. I was current on my payment after the modification but I notice that XXXX/XXXX/XXXX CITI mortgage had a payment reversed for {$1500.00}. I did not make any payment from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX my bank has no record for any payment returning to CITI. I been requesting a copy of the return payment or bank information and was told there are unable to get the information.
|
| 03/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My husband went to make a {$1500.00} in his CITI BANK checking account at XXXX XXXX on XX/XX/18 through the ATM before heading to work. The ATM spit out a receipt saying " I'm sorry. Because of technical problems, I can't return your cash right now. This piece of paper doesnt specify the amount that was just deposited at the time. When he checked his account the account stated {$0.00} dollars. He waited 2 more hours till the branch open to speak to the branch manager. During this time he had to miss work. When XXXX came around and the branch manager XXXX XXXX arrived she simply told him that the branch has nothing to do with the ATM and that this happens often. Completely wipe her hands and wanted nothing to do with it. She didnt lift a finger to try and help. She went inside the bank and went on about her business ; she didnt even provide my husband with the customer service number. My husband called the number on the back of the debit card where he was told he was going to have to wait 10 days and they couldnt do anything about it. I consider this THEFT from CITI BANK. NO ONE WANTS TO TAKE RESPOSIBILTY AND DO ANYTHING ABOUT RESOLVING THE PROBLEM. My husband told the branch ( # XXXX ) " MANAGER '' he was going to call the cops and she simply answered " okay called me when they get here '' as my husband waited outside the branch. The police made a police report and recommended to my husband to file a CIVIL LAWSUIT against CITI BANK which we have already contacted our lawyer for this matter. Our bills are complety on hold due to this and we are being charged late fees. We have contacted every number we could find and search on the internet and everyone has given us the run around and told us that we have to wait 10 days and that a investigation has been open. As I did some research I read that a lot of other CITI BANK customer have has the same problem several times and no one has resolved their issue either. This is THE MOST UNPROFESSIVAL BANK AND INCOCIDERATED PEOPLE TO EVER TRUST WITH YOU HARD EARNED MONEY. As per the branch ( # XXXX ) " MANAGER '' XXXX XXXX once I came to the branch to get an explanation why couldnt she just open the ATM and withdraw our money that was in LIMBO and we need ASAP to cover out due bills, she was the most UNPROFESSINAL BRANCH " MANAGER '' we have ever dealt with. She refuse to help us with anything and actually threaten us with having to close our account. She just repeated that this happens all the time and she cant do anything about it. She mention that they have a company called XXXX that comes once a month and she knows nothing else that she can do for us as she walked away smiling and got back to her personal call in her office. She said to me that she would have the cops drag me out of the branch ( # XXXX ) if she had to. The NASTIEST person I have ever come across in my life. I thought MANAGERs are there to help the customer and see if they can reach a solution to the problem at hand. This woman didnt lift a pen to help instead made threats, claimed this happens all the time at this branch ( # XXXX ) and she smiled to me and my family as she walked away. My husband spent an entire day trying to resolve this horrible matter with ZERO RESOLUTION. He had to miss work which means MORE MONEY LOSS DUE TO THIS HORRIBLE MATTER.Today is XX/XX/18 MONDAY and we still have not gotten our money back. Again this is THEFT from CITI BANK. We have called Customer service and we have been hung up on and given the run around over and over. We have yet to cover our pass due bills no one is willing to help. I have some family members that have CITI BANK and THEFT will be closing their accounts due to this DISSASTER and DEFT.As I mention we have contacted our lawyer and will take this to court since we feel some one is go to answer for this MESS and THEFT.
|
| 08/20/2016 |
Yes |
|
|
|
Web |
|
|
Dear sir or madam, On XXXX XXXX I was advised that XXXX of my CITI credit cards were closed. No representative from CITI bank was able to explain why. Only XXXX ( out of XXXX ) supervisor vaguely suggested that this could be due to an ongoing dispute and fraud department closed my account after an ongoing investigation. I sent this letter to CITI but no answer Dear Sir or Madam, I was informed that my accounts were closed after fraud investigation. No representative was able to tell me why, only few vague suggestions. It shocked and frustrated me the way your fraud department handled this issue and just closed both of my accounts without explanations or without even contacting me for supporting documents regarding disputes that were previously resolved in my favor ( see letter attached ) I contacted fraud department and they advised me to contact the office of the President because they could n't resolve this issue and they were n't even sure why my accounts were closed. I was with you for almost 4 years now, never missed any payments, made Citi cards my primary cards for all payments including for those abroad. I established good credit and was continuously on the way to increase my credit score, until you just shut down both accounts with balances on them, ruining my credit!
After reviewing all my charges I do n't see any fraudulent transactions nor I was informed about attempted fraudulent charges. Representative and then supervisor from Fraud Department told me that they never saw anything like this and could n't tell me why both accounts were closed. Recently I was traveling a lot to XXXX, XXXX, XXXX and XXXX, plus I made some hotel reservations in XXXX and XXXX, but these are all my transactions and I am responsible for them, no fraud was ever reported.
I had few disputes recently due to a fact that my friends were unable to get US visa and therefore unable to travel on XXXX flights that were purchased using Citi dividend card. I disputed those charges and indicated the fact that visa was denied and people are n't able to even enter the country and unable to board the plane, which is proven with the letter from American embassy in XXXX ( see attached ) this was a reason for my dispute, it 's supported with the document and properly indicated, These disputes were resolved in my favor ( please see letter attached ). I disputed these transactions because XXXX XXXX were unwilling to help. XXXX returned money upon request immediately in this situation ( see letter attached ) I did everything correctly and legally, indicated true reason for a Dispute and now supporting it with the document. I sincerely ca n't believe that Citi can close the account based on dispute between client and the merchant. If there was no legal basis for me to win that dispute then I would have to be informed about it in writing or asked for additional documents, so that you could adjudicate properly, but non of it was done. There was no dialogue between Citi and me. You just shut down my cards disrespectfully and carelessly damaging by credit for no wrong doing from my part. Problems happen, disputes happen. Sometimes merchants are correct, sometimes clients are correct, but I 've never seen a situation when the bank can give up on the client without any explanations because of the dispute between merchant and and client! Again, if you needed additional info then it could be requested, but why close account and damage credit for someone who was with you for 4 years?
I suspect that my accounts were closed due to an error. This could potentially cause damage and long term consequences to my credit report by closing cards with outstanding balances on them without informing me. I was a loyal customer for almost 4 years now and sincerely I did n't except that Citi would EVER handle issues this way
|
| 10/07/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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To WHOM It May Concern : I stay in XXXX XXXXXX/XX/XXXX. I open an account within citibank company online. Since I open the account everything was going fine. I received my debit card in the mail fund my account and had direct deposit going into this account. I talked to one of the agents and my account get blocks by the fraud department. I called in plenty of times to see why my card was blocked after I was able to use my card. I call in the first time when I was trying to activate my card and one of the reps hung up the phone on me telling me I am not who I say I am ( because I have a deep voice I am XX/XX/XXXX I asked her how she can tell me I am now who I say I am. I am the account holder. She then hung up the phone. I called back spoke to a supervisor the supervisor also hung the phone up. At this point I am lost for words. I called back a guy ( sorry I did not get his name at this point I was mad ) He gave me an address to send my information to because they needed 2 forms of identification ( which I sent it no problem ). Called back the next day talk to a lady in XX/XX/XXXX( One of the nicest ones I spoke with ) she gave me a fax number to send my identification in and told me to call back after I sent the identification ( which I did ). At this point when I called back I got a couple reps and sups name because I told myself I am going to have to take this to an attorney ( which I did ) also contact the corporate office ( which I am doing now. ) I spoke with XXXX thru chat he told me to contact the number I also spoke to a XXXX she hung up the phone on me. I spoke to a XXXX she is from the XXXX spoke to a Supervisor by the name of XXXX he says he was from XX/XX/XXXX spoke to a XXXX she is also from the XXXX also spoke with a XXXX she is from the XX/XX/XXXX and also XXXX is from the XXXX. I spoke to a lot of other agents in between but them are the names I happens to write down. Out of all the agents I spoke with the customer service was very rude and not helpful at all. ( expect the lady in XX/XX/XXXX, XXXX, and XXXX they were nice ). My account is blocked every time I talked to someone something ends up happing to my account the first time, I talked to an agent my account is block because they dont think I am the account holder. Yesterday XXXX/XXXX/20 when I talked to XXXX, XXXX, and XXXX my mobile app is blocked. No one will unblock my account. I keep telling the agents I have no branch in my area. Talked to XXXX and he told me to make a trip to XX/XX/XXXX to go to a branch. I asked him on who funds. I work 3 jobs and I go to school so I can not just up and leave like that. At this point I AM HOT! My funds are in this account I do not have access to get into this account and I feel like whoever block my account can unblock my account because it was block for no reason. So at this point I have contacted an attorney, I contacted the citibank ethics hotline, I contacted the XXXX, I contacted my local news station, and I also contacted the XXXX XXXX XXXX XXXX XXXX because I feel like I am being denied assess to my account because I have a man voice and it dont match the name to my debit card. I am also reaching out to you all. At this point this is the worst customer service I ever experienced in my life. This bank is the worst I ever had to deal with. If they make it that different to people showing there identification and they can not take it into a local branch ( because they dont have a local branch in there state ) maybe they should not let people established accounts in areas that do not have a local branch. My money is in this account and can not touch it so yes, I am HOT.
Also even with the letter that they sent me to my mobile app states all I have to call in to get this situation. the letter do not say nothing about me having to go to a local branch
|
| 03/16/2017 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with my lender or servicer
- Don't agree with fees charged
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Web |
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Several unresolved problems - XXXX Stafford and XXXX perkins loans ( all subsidized ) were consolidated by Citibank SLC in XX/XX/XXXX. Citibank financed {$10000.00} for 180mo for total of {$17000.00} 1st due XX/XX/XXXX. In those 15 years, I had forbearance for economic hardship 2x, lender option 2x and administrative 2x. I filed Chapter XXXX bankruptcy in XX/XX/XXXX. I still paid a total of {$17000.00} in original 15 year term of the loan. I had to file Chapter XXXX again in XX/XX/XXXX. Credit report obtained for proceedings had a Student Loan with XXXX XXXX I disagreed! I only knew of Citibank to service my loan. I tried contacting XXXX with no success however " XXXX. XXXX on behalf of XXXX '' began calling and sending wage garnishment threats in the mail. I was demanded to pay {$5500.00} in full. I was shocked. I tried to dispute the entire balance and was laughed at. I tried to explain that I was in the middle of bankruptcy proceedings an in obvious financial distress. I was laughed at and was told ( as if I did n't already know ) that bankruptcy means nothing to US Govt and if I did n't agree to pay $ XXXX for a loan rehab I would suffer wage garnishment. I was belittled and the very thing I was trying to avoid with bankruptcy was having my employer involved in my financial woes. I agreed like a dummy to auto drafts for $ XXXX. My lawyer told me to cancel future payments when I told him. He said it violates the automatic stay regardless of it being a student loan. I later find out that the violation was not on my part. XXXX violated federal law under the automatic stay. I continued to dispute the fact I even owed a balance. I received notices from XXXX and disputed the balance with them to no avail. In XX/XX/XXXX I was contacted by XXXX on behalf of XXXX with a garnishment letter. I followed procedure in the letter ; requested an administrative hearing, complete payment history, and all supporting loan documents. I received an illegible copy of a loan application/promissory note and " post claim '' payment history with only the payments of {$75.00} made to XXXX. I requested full payment history again and legible copies of loan disclosure and repayment schedule that is part of the loan application and promissory note. Citibanks website only gave XX/XX/XXXX thru XX/XX/XXXX online pymt history. Missing 9.5 years of payment history, I was rail-roaded by XXXX in the Admin hearing. Burden of proof on me to produce payment copies from 11-15 years prior. XXXX ; 0 accountability to provide loan documents. From XX/XX/XXXX was garnished for {$3800.00}. I was the primary earner for family of XXXX and about to be homeless. XXXX admitted that even before garnishment I qualified for $ XXXX pymt. They said I had to pay $ XXXX for next 6 months on top of garnishment to stop the garnishment. I do n't owe it, and it would have ended before 6 months with {$2800.00} as their balance. I, my husband, and XXXX kids were about to be homeless. I was left with no option but to quit my job of 9 years, losing all benefits, so I could afford to live. After screaming matches, in XX/XX/XXXX I finally received a full pymt hist from Navient proving I paid {$17000.00} in the orginal loan terms. {$3700.00} was added in capitalized interest during periods of forbearance ( on subsidized loan ). I have now paid {$21000.00} on {$10000.00} principle. I am at the end of my rope - there are more details that I ca n't fit. I am now getting calls from XXXX from a rude kid that would n't ID himself. When he finally did, I told him I refuse to deal with a third party, send me a letter with info and I will request in writing to return the account to XXXX. I did not finish college due to disqualification for financial aid for the XX/XX/XXXX year because I worked and made XXXX. XXXX College XX/XX/XXXX XXXX XX/XX/XXXX
|
| 01/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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On XX/XX/XXXX at approximately XXXX, I logged onto Citi Mortgage 's website to make a payment for XX/XX/XXXX as I do every month. I made a payment in the amount of {$940.00}. At XXXX am, I received a call from a Citi Mortgage Representative requesting payment for XX/XX/XXXX which I advised the Rep that I had already made a payment that morning already. The agents response to me was that the payment should post to my account within 3 business days. I responded " ok, '' and we disconnected the call.
To my surprise on XX/XX/XXXX, I received a call from a gentleman at XXXX requesting a payment for XX/XX/XXXX. I do not recall his name but stated to him that I had already made a payment for XX/XX/XXXX. He said that he did not see the payment nor that I even attempted to make a payment in his system. Of course at this time I was very upset because now my payment would be considered 30 days past due and I voiced this to him and he stated that I should try to get my payment in as soon as possible to avoid this. I did not have my personal items on me as I was running late for work and forgot my cards and check book at home.
I had my fiance text me a copy of my checks so that I could make a payment since Citi did not have access to the checks that I have on file and use to make my payments EVERY month. I called back at XXXX and spoke with XXXX, I gave her my payment and explained to her what happened that I went online and made a payment but not sure what happened to their system. I asked her would my account be reported 30 days late and she responded that at the time of our conversation, my account had not been reported and that she believed I would be ok given the holiday. She also stated that if the late payment posted to my reports that I could dispute this inaccurate reporting.
On XX/XX/XXXX, I came home to a letter from Citi stating that they reported my account to the Credit Bureaus for being late. Imagine how furious I was. I have never paid my account 30 days late with Citi Mortgage and I have voiced this with every Rep that I have spoken to since.
On XX/XX/XXXX at XXXX and XXXX I contacted Citi in regards to the letter that I received. I spoke with Supervisor XXXX who assisted me with filing a dispute, she explained to me that I should receive a response from Citi 's research team on XX/XX/XXXX.
Today, XX/XX/XXXX, I received an email from Citi stating that the dispute had been completed. I contacted Citi at XXXX pm to find out the results of the investigation. To my surprise, the agent advised that no change would take place to my credit report, and that the late payment would stay on my report.
This is absolutely unacceptable as I DID NOT make a payment late ( I have attached proof of this from the history on my cell phone where I make my payments from EVERY month. ) Since Citi stated that they did not receive my payment and did not want to take responsibility for whatever system error they may have experienced on XX/XX/XXXX, I went online today to make a payment just as I did on XX/XX/XXXX to see if the History on my cell phone would look the same, guess what, it did!
Even though I asked in my dispute to research the calls and listen to the recorded calls of me stating time and time again that I made a payment on XX/XX/XXXX, it does n't appear that this was done.
Based on Citi 's reponse to this complaint I will be filing a lawsuit pursuant to the FCRA for 1 ) Defamation 2 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act as I was did not make a late payment and clearly there was a glitch on Citi 's website which caused the payment not to process. Citi needs to be held repsonsible for their error, because of this my credit score plummeted over XXXX points and will do major damage in me closing on my properties next month.
|
| 07/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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Web |
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I enrolled in the CitiGold bank account with the promise of receiving XXXX XXXX XXXX Miles. The conditions required a {$1000.00} minimum spend and two bill pays in successive months. I met these requirements, however it took me 3 months to complete, instead of the typical 2 months because of problems with the delivery of my card and PIN.
To elaborate, my checking card was sent by XXXX, and required that I be present for the delivery. This was not possible because the delivery attempts were made while I was at work. Despite multiple lengthy calls to both Citi and XXXX, I was unable to arrange for delivery of my card & PIN. First I was told by the Citi representative that I needed to arrange with XXXX for delivery via their online portal. I did this, but they came at the wrong time anyway. When I contacted them about it, they said that they needed to get the request directly from Citi, so I did that & they attempted at the wrong time again, then sent the card back to Citi. Meanwhile, I was locked out of my online account, had no way to monitor my credit card OR my bank account, and suffered {$100.00} in fees & interest for a late bill that I was unaware of.
At this time, I called Citi and explained the problem, as well as my concern that the card would not arrive in time for me to make the spend within 2 months. I was assured that there were notations on my account detailing the extreme difficulty I had in simply obtaining the card. Ultimately, they re-sent the card & PIN, & I drove 20 minutes each way to the XXXX facility and received by card & PIN. I proceeded to meet the requirements in the 2 successive months after receiving my card & PIN.
Since meeting the requirements I have been told on multiple occasions that I met the requirements, and that I simply needed to wait a designated time before the miles would be issued. After it became clear that Citi was dragging their feet on the issue, I began documenting my phone calls.
-On XXXX/XXXX/16 I called and spoke with " XXXX , '' who personally verified that I met the requirements, & stated that the promotion code was noted on file. He said " I do n't know why it has been delayed, but it should be issued soon. It is probably delayed because of the billing cycle. '' He told me that XXXX miles would definitely be awarded by the end of XXXX.
-On XXXX/XXXX/16 I called and spoke with another representative who again confirmed I met the requirements, & provided me with a reference number in case there was any other problem. She also told me that the case was being in some way prioritized, that I would receive a secure message within 72 hours & provided an access code for the message. No message was received.
-On XXXX/XXXX/16, after receiving another bill and still no response regarding the reward miles, I called yet another representative, XXXX . I stated that I had upheld my end of the bargain, but I felt like Citi had not. Further, they had not met the deadlines they set for themselves in previous conversations with me on XXXX accounts. I had been charged $ XXXX/month for having the account open while they decided if they should uphold the promise they made when I opened the account. The representative, XXXX, agreed to credit my account with {$60.00} for the last two months ' fees, as well as waive the next month 's {$30.00} fee.
-On XXXX/XXXX/2016 I received notification that Citi was denying me the miles because I had not completed the spend in the timeframe they designated. There was no mention of any of the aforementioned problems, conversations, or promises.
My entire experience with this Citi promotion has been frustrating, time-consuming, and not worth it. They have not upheld the promises they made, they have not met the timelines they set, and finally they have not credited me with the reward they offered.
|
| 10/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
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I have used Citi credit cards since XXXX. During the nearly 8 years, I've been a very loyal, used them regularly and routinely, NEVER missed any payment.
I have three cards with Citi : 1. 'Double cash card ' with {$48000.00} credit limit, earned $ XXXX cash rewards, but not redeemed yet 2. 'Cost anywhere card ' with {$10000.00} credit limit, earned {$620.00} cash rewards, but not redeemed yet 3. 'Citi thankyou Premier card ' with $ XXXX credit limit, earned XXXX rewards ( equal to $ XXXXcash based on 1:1.5 rate ) but not redeemed yet Citi closed all my credit cards on XXXX XXXX ( Friday ) without a reasonable and fair reason, which 1. hurt my credit score a lot because {$83000.00} credit limit drops... ( I'm close to buy my own house, this is killing my credit score ) 2. refuse to let me appeal even there's no fair and reasonable reason given 3. intend to take all my {$3600.00} cash rewards and points rewards ( $ XXXXvalue ) away I will explain what happen and what I'm looking for help * I used the first two cards ( double cash & XXXX anywhere ) very often to XXXX all my personal and business office items, but used 'Citi thankyou Premier card ' less often.
Since XXXX XXXX, I decided to use 'Citi thankyou Premier ' more. We have an 'stimulus program ' to award employees who perform really well with XXXX XXXX cards, I used to use XXXX XXXX credit card to buy XXXX gift cards from XXXX XXXX store, instead, I wanted to use this 'Citi thank you Premier card ' for it.
First, I called in Citi customer care and security team to report that I will start using this 'thankyou Premier card ' more often and focus on big transaction.
Second, after they put in a note, I still had problem to make the transaction, I received security message every time, and I did call in every time to verify myself to make the transactions.
Third, most importantly, I did ask them every single time to learn if it's ok to use this card for these big transaction, if not, I would switch back to XXXX, because I don't want to risk any misunderstanding or unexpected situation. However, all the security reps. I talked to every single time told me the same thing that it's fine, I just need to call in to verify myself for a while.
HOWEVER, Citi cancelled all my credit cards on XXXX XXXX ( Friday ). I even called in to talk to rep. to purchase the monthly stimulus XXXX gift XXXX on XXXX XXXX ( Thursday ), but they closed my credit cards the other day.
Since I care about Citi, it's been 8 years, I almost focus all my personal and business purchase with them, never missed any payment. For switching using XXXX to Citi Premier, I even called in every single time to make sure if everything is ok.
I know Citi is sensitive, so I was looking for the citi employees to guide me the right way. Customers wouldn't know everything, but instead of answering and guiding the customer what Citi doesn't like, Citi just closed your account which 1. hurt your credit score 2. cause you nearly {$7000.00} financial lost by taking away your 8 years ' cash rewards.
3. I even still carry a balance when they closed my accounts EVEN WORSE, even they don't like a customer to call in every single time to make sure the way of using 'Premier card ', what's the problem with my other two credit cards, what is the good reason they closed my other two credit cards?
This is so hurt, it's like you contribute solely and loyally for 8 years, but they just kick you away, take all your have, and don't give any reason, and even don't allow you to appeal. Is it a fair and a good way to treat their customers?
I feel so depressed and desperate that Citi is a dictator, they do whatever they like and nowhere can control. I'm almost close to buying my own house, but they just hurt my credit score at this time. So disappoint and frustrated for them.
|
| 08/20/2016 |
Yes |
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Web |
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Dear Sir or Madam, I was informed that my accounts were closed after fraud investigation. No representative was able to tell me why, only few vague suggestions. It shocked and frustrated me the way your fraud department handled this issue and just closed both of my accounts without explanations or without even contacting me for supporting documents regarding disputes that were previously resolved in my favor ( see letter attached ) I contacted fraud department and they advised me to contact the office of the President because they could n't resolve this issue and they were n't even sure why my accounts were closed. I was with you for almost 4 years now, never missed any payments, made Citi cards my primary cards for all payments including for those abroad. I established good credit and was continuously on the way to increase my credit score, until you just shut down both accounts with balances on them, ruining my credit!
After reviewing all my charges I do n't see any fraudulent transactions nor I was informed about attempted fraudulent charges. Representative and then supervisor from Fraud Department told me that they never saw anything like this and could n't tell me why both accounts were closed. Recently I was traveling a lot to XXXX, XXXX, XXXX and XXXX, plus I made some hotel reservations in XXXX and XXXX, but these are all my transactions and I am responsible for them, no fraud was ever reported.
I had few disputes recently due to a fact that my friends were unable to get XXXX and therefore unable to travel on XXXX XXXX flights that were purchased using Citi dividend card. I disputed those charges and indicated the fact that visa was denied and people are n't able to even enter the country and unable to board the plane, which is proven with the letter from American embassy in XXXX ( see attached ) this was a reason for my dispute, it 's supported with the document and properly indicated, These disputes were resolved in my favor ( please see letter attached ). I disputed these transactions because XXXX XXXX were unwilling to help. XXXX XXXX returned money upon request immediately in this situation ( see letter attached ) I did everything correctly and legally, indicated true reason for a Dispute and now supporting it with the document. I sincerely ca n't believe that Citi can close the account based on dispute between client and the merchant. If there was no legal basis for me to win that dispute then I would have to be informed about it in writing or asked for additional documents, so that you could adjudicate properly, but non of it was done. There was no dialogue between Citi and me. You just shut down my cards disrespectfully and carelessly damaging by credit for no wrong doing from my part. Problems happen, disputes happen. Sometimes merchants are correct, sometimes clients are correct, but I 've never seen a situation when the bank can give up on the client without any explanations because of the dispute between merchant and and client! Again, if you needed additional info then it could be requested, but why close account and damage credit for someone who was with you for 4 years?
I suspect that my accounts were closed due to an error. This could potentially cause damage and long term consequences to my credit report by closing cards with outstanding balances on them without even informing me. I was a loyal customer for almost 4 years now and sincerely I did n't except that Citi would EVER handle issues in such way. At the end it 's just a dispute between airlines and the passenger!
Please reopen my account as soon as possible and provide compensation for damage and inconvenience that was caused including negative information that was probably reflected on my credit report. If account will remain closed please explain specifically why it was closed.
|
| 07/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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|
Web |
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The Fair Credit Reporting Act is intended to secure my right to accuracy and fairness, and I have unfairly been taken advantage of by CitiBank on XX/XX/2021. I have also received zero value after administering my credit to CitiBank by way of my credit card, i.e., social security card to extend back to myself in the form of a Double Cash Card.
On XX/XX/2021, I used my credit card.
( under 15 USC 1605, a credit card is defined as any card, plate, coupon book, or other credit device existing to obtain money, property services, or CREDIT for family or household purposes, ) In this transaction, the only card I could have used was my social security card administered to the social security administration. Affiant is aware that I am the original creditor, natural person, and consumer. Because Citibank involved a finance charge, When I used my credit card inside my application, I administered my right to credit for Citi Bank to extend back to me. In the form of a CitiBank Double Cash Card and all the benefits that come along with it.
( In the definition section, Congress states that under 15 USC 1602, a finance charge is defined as information connected with any consumer credit transaction. ) ( Congress also says. It's determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extendedand imposed by the creditor as an incident to the extension of credit. ) After completing the application, to my surprise, I was denied by Citi Bank despite me being the original creditor and a natural person. Citi Bank received compensation for this finance charge from what I understand under this section 18 USC 8, and I was left with only an adverse action letter and a hard inquiry placed on my consumer report.
Based solely on what I've researched in this section, Congress has shown that this appears to be a violation under 15 USC 1681m ( D ) Because I am the consumer, I have the right to prohibit information inside my consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that the consumer does not initiate. Accordingly, I am here to enforce my rights and depose the following facts.
I feel that based on what Congress has stated in this section CitiBank violates 15 USC 1681m ( ii ), ( I ), ( II ). An Adverse Action does NOT include experiences between the consumer and the company furnishing the information on a consumer report.
On XX/XX/2021, I received a notification from CitiBank via email of an Adverse action letter stating I was denied due to information being furnished on my account without my written consent provided in my name by XXXX.
And they alleged that the natural person has a delinquent credit obligation ( s ), either paid or unpaid. CitiBank says its decision was based in whole or in part because of the furnished information written without my consent from XXXX.
( I've added exhibits and an affidavit of truth that has been sent to Citibank. ) Citi Bank appears to be in violation based solely on what Congress has said under 15 USC 1691. It shall be unlawful for any creditor to discriminate against any applicant concerning any aspect of a credit transaction ( a creditor is defined as a person, and because a person is defined as a natural person meaning born of two human beings, myself, not a lifeless entity such as a corporation, organization, or agency ) ( under this section, an applicant is defined as any person ) ( meaning the right granted to a creditor ).
Because I am the original creditor and the natural person, CitiBank can NOT deny anything once a finance charge is involved.
Also, this transaction is derived from the use of my credit card/social security card. And for this application to have been completed, I had to provide that information.
|
| 08/10/2016 |
Yes |
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Web |
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Citibank contacted me on XXXX XXXX at XXXX. to say that they were calling to collect a debt that I owed them. I asked the woman who called for information about this " debt '' since I had called Citi 's automated account line on XXXX XXXX and received the information that my payment due on XXXX XXXX had been received and posted. The woman was unable to provide information about this debt. That day I contacted Citibank 2 times to try and get information so I could address the issue, without any luck. I have now contacted Citibank 18 times to obtain information about this situation so I can resolve it. It is still not resolved. All Citi would tell me was that they tried to cash the check and the bank was refused. I checked with my bank on XXXX XXXX by going there in person, and checked with my bank on three separate occasions. On every occasion, my bank told me that no check had been presented for payment and if it had been, there were sufficient funds in my account to have paid it. I repeatedly asked Citibank for information about the check and where they presented so that I could get to the bottom of this issue. I also paid them in full for all amounts on my credit card, including amounts not due so that as of XXXX XXXX, my balance was a credit of {$150.00} ( I paid more than the amount of charges so there would be sufficient to cover any additional interest or penalties ). On XXXX XXXX ( my 15th call ), a Citibank employee named XXXX finally provided me with the routing and account number for the check that they claim they presented for payment and was refused so that my bank and I could understand what occurred. She told me that she would send me a copy of the check so that I could research it with my bank and bill payment service. On XXXX XXXX, I contacted Citibank with my bill payment service and was told by XXXX ( Citibank ) that Citibank would fax a copy of the check to my bill payment service within 24-48 hours. As of today, XXXX XXXX, no copy of the check has been received by me or my bill payment service. After confirming with Citi that no other amounts were due, on XXXX XXXX requested that Citi return the extra funds to me and was told that this would happen. I have yet to receive my funds. During the course of my 18 calls, Citi employees have laughed at me, told me that this would not affect my credit report even after I told them that the day before I had received information from my credit monitoring service saying that Citi had submitted potentially negative information about me, refused to provide me information about the payment so that I could find out what happened, failed to provide information that they said they would provide and told me that this was just an " inconvenience '' for me. Citi has closed my account, even though they admitted that I had never had a returned payment ( on XXXX XXXX in a conversation with XXXX ) and this dispute was active at the time that they closed the account. Citi has claimed that they have concluded one investigation of the incident and a second review of the account closing. They notified me about neither of the results. I learned about them only because I called to ask. Citi has ( 1 ) provided me with no information or erroneous information, ( 2 ) damaged my credit rating despite the fact that my bill payment service and bank both have informed them that the payment was made by check ( due to Citi 's policies ) rather than electronic payments as all of my previous payment had been made and that the payment was good and ( 3 ) retaliated against me for disputing this issue and telling them that I would file complaints against them with federal and state banking authorities and this agency ( which I informed them of on every call except the initial call ). They have also failed to refund my money in a timely manner.
|
| 08/01/2015 |
Yes |
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- Credit line increase/decrease
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Web |
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On XXXX XXXX, 2015, Citibank Credit Cards reduced my XXXX limit to {$5400.00}. I have been in excellent standing with Citi, making all payments in time ( many times XXXX payments a month over the minimum payment requested ) for the past 8 years. I have always carried a balance on this card, while paying the card in full throughout my account history.
When I called and inquired about my credit limit decrease, I was transferred to many people. XXXX agent was not understanding what I was saying and put in for a credit limit increase, when I simply was inquiring about the sudden decrease on my account. While trying to get clarification why an increase was made, the agent left the line and I was forced to call back.
After calling back, a manager then forwarded me to the credit management department where I spoke with XXXX. XXXX said that the decrease could have been from many factors, he told me the utilization rate was high ( 43 % ) and I have too many inquires ( I just bought a house ). In addition, he told me that my debt-to-income was too high. After I told him this was because my student loan income based repayment was not factored in, which would bring my DTI down to under 20 %, I offered to provide documentation for this but was told this would not be necessary. I explained to XXXX why I had n't used that card as much as I used to, specifically since I was working to pay it off based on my plan, as I have done in the past, he cut me off to tell me that he understood but in order to reinstate my limit, he would have to pull my report and review it. If he thought it was worthy, he would then pass it along to his Supervisor to review and make a decision regarding reinstating my former credit line.
When I asked what the criteria was in order to be passed along to the Supervisor, XXXX told me he could not tell me. When I asked to speak to his Supervisor, XXXX asked me, " What do you want to ask him? '' Not only was the customer service disrespectful and unprofessional, but I felt as a loyal cardholder I was not being told information that I felt entitled to know regarding my own personal credit card and my banking 's criteria. I then asked to speak to the Supervisor regarding the criteria, XXXX told me that the Supervisor could n't tell me the criteria for a reinstatement and still did not let me speak to him. XXXX then pulled my report, reviewed it on the phone with me, came back and told me he would pass it on the the Supervisor to decide and I would receive a phone call or e-mail within XXXX hours. Today, I received neither a phone call or e-mail from the Supervisor, but instead a message in my Citi account page saying I was not reinstated with no explanation or personalization from said Supervisor. When going back to review this document, it was automatically deleted from my inbox, as well as my other messages from months past.
Prior to my decrease, my utilization rate was around 43 %, and among all of my credit accounts with various banks. Now, with the limit decrease, my utilization of credit jumped to 63 % within a day, ultimately dropping my credit score from XXXX to the mid XXXX. When my credit was decreased, it was decreased to the point where only {$93.00} was available. Coincidently, that is near exact what my minimum monthly payments are for that card. The following billing cycle would have maxed my card out with interest, resulting in fees. It feels as if I am having the wool pulled over my eyes and am being thrown around the ringer as an easy target for money via fees. I am responsible for my credit standing. However, with this detrimental action, Citi has now affected my score without my consent. I currently have the money to pay off my card and will do so if my credit line, credit score and utilization percentage are not fixed.
Sincerely, XXXX XXXX
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| 12/17/2016 |
Yes |
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Web |
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On XXXX XXXX I tried to purchase airplane tickets for my trip to XXXX. I used the website XXXX where they provided my with flight option for {$790.00} corresponding to : {$440.00} New York - XXXX. via XXXX XXXX, and {$350.00} XXXX - New York. via XXXX XXXX. However, after processing the first flight for {$440.00}, the website failed, and the whole transaction was incomplete. I immediately called Citi to make sure that they did not allowed that first charge to go through. They decided to cancel the account, start a dispute, and issue a second card. On XXXX XXXX 2016, I tried again to buy my tickets through XXXX. The same option was available, this time with a different price for New York - XXXX : {$440.00}. And with the same price for the segment XXXX - New York : {$350.00} However, I faced exactly the same problem I had the first time. After completing the first half of the purchase, the website failed an the transaction was incomplete. Again I contacted the Citi customer support to dispute the transaction. They decided to put it on hold.
In XXXX I received XXXX different letters. A first XXXX dated XXXX XXXX regarding the first transaction. And the second XXXX dated XXXX XXXX regarding the second transaction. The first letter was asking for further information regarding the purchase case. The second letter was inquiring if I recognized or not the transaction.
I decided to give a response to both transactions in the same letter. sent a letter on XXXX XXXX, through certified mail, providing the case number XXXX, where I explained the problem I faced with BOTH transactions. With this letter, I included : 1 ) Both letters from XXXX XXXX and XXXX XXXX ( which actually arrived to me on XXXX XXXX ). 2 ) Copy of the first transaction with value {$440.00}. 3 ) Copy of the second transaction with value {$440.00} XXXX ) Copy of a THIRD successful purchased for the same trip, as support of my claim that the first XXXX transactions were incomplete. ( I am actually using this ticket, but not the first XXXX.
I tried to contact the merchant as well and they asked me to provide all this information, which I had sent to XXXX XXXX XXXX. But they did not help either.
Around XXXX XXXX I contacted Citi again to see what was the status of my case ( s ). They said they could n't provide any further information and that they were going to call back within 48 hours. I explicitly asked to call me after XXXX, given that my work does not allow me to communicate during normal hours. I did not receive any call within that time frame. Again, I called on XXXX XXXX. This time with my nephew 's help. I read my original letter to the person I was contact with. He said that the transactions were being handled by the dispute department. I was transfer to an associate called XXXX, with ID number XXXX from XXXX. He told us that the XXXX different transactions were going through different process. The first XXXX ( {$440.00} ) was being handle by the security department which he did not have access to. The second XXXX ( {$440.00} ) was being handle by his department. However, he said that this process was on hold because I have not provide them with further information ( which is not true since I sent the letter on XXXX XXXX ). He asked us again to send the letter to exactly the same address with not additional information to make sure the letter was being sent to the right person. After this we were transferred to the Security Department to talk about the first transaction. Right after the person picked up the call went off. We called again, this time we talked to XXXX with ID number XXXX. He said that he was not able to provide any further information and that I was going to be contacted within the first 48 hours. I explained that I went through that before with any success. I decided to start this.
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| 09/15/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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Dear CFPB : Yesterday I noticed that Citibank had charged me in my Citibank Checking Account numerous unauthorized fees that I never agreed to and that in the same account for more than 10 years I was not charged.
I opened the account in XXXX California A approximately 13 years ago. I also have other accounts with Citibank.
Citibank had advertised to me and agreed with me that there would be overdraft protection and no overdraft fees. For more than 10 years, Citibank honored that agreement.
Citibank also advertised to me and agreed with me that there would no monthly or other fees for the checking account. Again, for more than a decade there were no monthly service fees.
Yesterday when I logged into the account, which I seldom do, I noticed that I have negative balance and an overdraft charge, both of which were unexpected. Looking closer, I saw that for the last 13 or 14 months, Citibank has been taking {$25.00} out of my checking account as a " Monthly service fee '' every month.
My main complaint is that neither the monthly service fees, nor the overdraft fee that resulted from them, were ever agreed or authorized by me.
As an ancillary complaint, I have spent more than two hours, spread over multiple phone calls as well as an online chat session and leaving a voice mail, while experiencing terrible service, trying to resolve the matter with Citibank yesterday and today.
My original call was dropped -- apparently inadvertently when I was put on hold -- and I had to start over. From there, I have been multiple " blind transferred '' as explained by the call center personnel. I understood I was being transferred to someone with more authority, only to be explained to by that person that they had background and we had to start over.
At one point, the employee told me I must go in person to the branch where I opened my account and that this was a " branch '' issue. However, the branch is closed. And, what's more, I am in another state with no way to go to that branch even if it were still open for business.
In addition, yesterday an employee promised I would be called back within 24 hours, and I was not. When I called back today to inquire, I was again passed off to several successive employees, including being derailed to a security unit to ask about a charge from 2018. That person told me they would need to freeze my account access. Perhaps that was an unintentional diversion or tactic but insisting I talk to another team and asking to freeze my online access obviously makes it difficult for me to pursue the hundreds of dollars in unauthorized fees they have charged.
Ultimately, I was told there was an approval request outstanding that " normally '' would take an additional 24-48 hours to process, and that I should not call back and they would not necessarily call me back whatever the outcome of that request was.
I am very frustrated by the fees and that is exacerbated by Citibank 's response. Citibank has ended up with hundreds of dollars of my money and will not answer a straight question or promise to respond to me on any timetable now.
On the plus side, Citibank has reversed two of the fees -- the erroneous overdraft fee as well as the most recent month 's monthly service fee. However, while have said they will look into the complaint, they have not provided any information about when I should expect a response or how I might learn the outcome.
Further, they have refused to confirm either way whether Citibank plans to charge those fees in the future ( for example, next month or if there is ever an overdraft again ).
Please help me resolve this matter. I am a lawyer and I am happy to go out and engage a hungry plaintiff 's lawyer who can see a slam dunk case and pursue it. But I would sooner just get my funds back.
Regards, Consumer
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| 12/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Lost job XXXX of XXXX.
As per Citibank, I defaulted effective XXXX/XXXX/XXXX. I am sharing brief history as I believe my case is not an ordinary scenario : Hardship Origin and Extenuating Circumstances : XXXX of XXXX hired by a XXXX where I lost my job only 6 months later due to whistle blowing and cooperating with the XXXX. This XXXX was later found to have defrauded the XXXX of XXXX in an estimated total of XXXX XXXX dollars. Due to the ongoing criminal investigation, I remained silent as requested by the authorities.
XXXX of XXXX hired by XXXX, XXXX of XXXX employees confided in me as HR Manager in questionable activity. My investigation confirmed fraud at large level. XXXX of XXXX, constructively discharged and I was also hurt on the job. Recovered Medically for most of XXXX, held jobs not in my field due to resolving injury.
Dual Tracking : XXXX XXXX, XXXX my home was sold in Auction while I fought to save our home for years losing money to attorneys and even spent all of XXXX sending in documents hoping to be approved for a modification. Late XXXX Citibank Exec Response Team representative made announcement that modification was approved, nonetheless Citibank failed to remove the house from being sold in auction. Note : my communications to Citibank during this time up until the day of the sale were extensive. The day of the sale, no one at Citibank answered my calls.Certificate of Title reads as follows : " The undersigned clerk of the court certifies that a Certificate of Sale was executed and filed in this action on XXXX XXXX, XXXX '', ( 5 days later ), signed by XXXX XXXX on XXXX XXXX, XXXX and recorded by Time Stamp on XXXX XXXX, XXXX. XXXX XXXX, XXXX As per the Executive Response Team Associate, the sale had been reversed the same day although the docket shows the sale went through. An approved motion by the Plaintiff/Bank to vacate Foreclosure of XXXX XXXX, XXXX and issuing of Certificate of Title entered on record on XXXX XXXX, XXXX was approved and signed by Judge XXXX XXXX XXXX XXXX, XXXX entered in Clerk of Court record on XXXX XXXX, XXXX. X-wife during this time resided in the property, had recently been granted Temporary Exclusive Access by Family Court Judge. To my knowledge, modification was granted although x-wife refused to sign the documents and to honor the trial period payments. Foreclosure sale reset : XXXX of XXXX, I attempted to file XXXX XXXX Bankruptcy on my own but failed to meet requirements. XXXX of XXXX, x-wife vacates property and I moved in. A second attempt to file Chapter XXXX submitted with help of attorney, however guidance suggested to convert to XXXX XXXX which was finally submitted during XXXX of XXXX. During this period of time, after making first payment to XXXX XXXX, a modification letter arrived with confusing verbiage stating that payment of {$1900.00} per month was due on XXXX XXXX, XXXX and no later than end of month XXXX XXXX, the same for XXXX of XXXX, and XXXX of XXXX. This practice makes it impossible for any " struggling homeowner '' especially with medical limitations.
XXXX Email to Citibank CEO Dated XXXX/XXXX/XXXX, Change in Servicer occurred XXXX/XXXX/XXXX, no prior notice was provided. Note : I was unaware of the change in servicer at the time and my email to the Citibank CEO trigerred being referred to the Citibank Executive Response Team. After much phone tag and emails to Citibank, I finally learned that XXXX had my loan. ( Approximately 25 days of time elapsed and Citibank could have easily just emailed back or send me a letter explaining the change ), this conduct is deceptive and malicious.
Modification package to XXXX submitted XXXX/XXXX/XXXX - ( 38 days prior to Sale date of XXXX/XXXX/XXXX ). Package was complete in the definition of complete at that time, nonetheless, XXXX did not escalat
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| 10/12/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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CITIBank Fraud prevention locked my chequing & savings accounts in XXXX and I've faced substantial difficulty accessing them and my money over the last 5 months. I've repeatedly spoke with agents over the phone to resolve this without success. They're unable to verify my identity with their 3rd party phone verification because my phone number is not on public record under my name supposedly. Instead they sent a letter with a reference number to my home address and when I called in with it, I was informed my account would be closed and I was hung up on. Since then I called in several times and they keep claiming to send letters to my home but I've not received any others. I verified with USPS that there was no missing mail. I'm so fed up and helpless to this situation.
On XXXX I filed a complaint with Citi Executive response Unit ; case # XXXX. I'm still waiting for their response. I have {$2500.00} frozen with them.
I also submitted a complaint with Office of the Comptroller of the Currency website ( https : //www.occ.treas.gov ).
Notes I've taken from conversations with rough dates : XXXX XXXX - Locked out of my account because of suspected fraud - Called Citi bank fraud prevention, Agent : Megs - Last numbers of Employee ID XXXX - Told my phone number could not be used to authenticate my identity because it didn't contain my name and was not part of the public record.
- Alternative was to send a letter to my home to verify my identity.
XX/XX/ - Called XXXX Talking to Rep : XXXX - Transferred to XXXX security department Employee ID XXXX - Could not authenticate my phone number with their 3rd party system to verify my identity ; Sent me a reference number by mail.
- Filed a complaint on my behalf, supposedly ; Never heard back about complaint.
XXXX - Called XXXX ; 4 times 4 different Representatives Call # XXXX with Rep : XXXX - Called in with reference letter received ; reference number in letter ( REF # XXXX ) - Informed my account would be closed and I would receive a letter informing me of why it would be closed within 90 days - Said she would be terminating call and hung up on me abruptly.
Call # XXXX with Rep : XXXX - Confirmed with me the amounts within each of my accounts and that my account would be closed and provided my account balances Call # XXXX with Rep : XXXX - Confimed my account was locked and would be closed.
XXXX - Called again and was told I would have to waiting for letter with reference number to arrive and my account wasn't going to be closed. I just need to verify my identity.
XXXX Called XXXX and spoke with Agent : XXXX to get my money back - Filed another complaint ; Informed I will receive letter in 5-7 days to verify my account - Never received letter XXXX - Called at XXXX 24min duration : XXXX and spoke with Agent : XXXX - Transferred to another department ; Fraud Department and Risk prevention Agent : XXXX Employee Number : XXXX - I informed them I never received a letter. Informed me they would have to send another as my phone number could not be used to authenticate my identity XX/XX/2023 - Called at XXXX 20min duration : XXXX option 7 - Automated menu redirected me to consumer fraud department Agent : XXXX Employee Number : Refused to give employee number, claimed not allowed - Cant help me, transferred to another department ; Fraud department XXXX Employee Number : Refused sharing employee number- I repeatedly asked for supervisor because its been months of not receiving a verification letter - Agreed to forward me to supervisor - Held for several minutes before being informed that no supervisor was available.
- Took my number down and I was told I would receive a call back within the hour- No Call back received ever.
XXXX XXXX Called XXXX ; Citi Executive response Unit Spoke with XXXX and was given Case ID
|
| 05/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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I initiated a dispute with Citicards/Citibank concerning an unauthorized charge made on XX/XX/XXXX by a merchant we are working with for new hurricane impact-rated sliding glass doors and windows, XXXX XXXX and Doors. The Dispute no. with Citibank is XXXX. The amount of the disputed charge is {$24000.00}, and it would have been the second of XXXX payments to be made under the contract. The dispute was initiated in XX/XX/XXXX, and I provided the contract and numerous communications with the XXXX establishing that it was not entitled to make the second charge on our credit card until all merchandise had been delivered. Some, but not all products had not been received by XX/XX/XXXX, and still have not been received as of today 's date. Citibank initially credited my account for this charge but quickly reversed that credit and reinstated the charge saying that we had not provided sufficient information to sustain the chargeback. But Citibank admitted that it had no signed charge authorization in its files, and that the XXXX had not completed an XXXX charge. Citibank has refused to provide us any information that it was receiving from the XXXX throughout this process, although it is apparent that it is providing the XXXX with the information we submit to Citibank. Citibank has ignored that there is no signed authorization from us on this charge, and has directed in a XX/XX/XXXX letter that we undertake an extensive process to obtain information about the value of the non-delivered or incorrect products delivered from a " comparable merchant. '' Since this is a nearly {$70000.00} contract, the work required of an uninvolved " comparable '' merchant would be extensive and we could not find a merchant to do that, so I spoke with Citibank and we were instructed to hire an expert that could provide the data needed to Citibank, including verification of nondelivery, the cost of the nondelivered items, the cost to remove and reinstall the items that had been incorrectly installed ( all of the sliding glass doors and window that had been delivered were installed incorrectly and rejected by the local XXXX Department ). We provided the requested information by hiring an expert glazing consultant at substantial expense and undertaking a complete inspection of the products and work. That report was delivered to Citibank on XX/XX/XXXX, supplemented on XX/XX/XXXX with cost information. The costs of the products that were not delivered exceeds {$22000.00} without consideration of the costs to remove and reinstall the products. Citibank has written us after the report and stated we never responded to their XX/XX/XXXX letter, which is false. Citibank has refused to reasonably investigate and evaluate the substantial information submitted. We have submitted to Citibank numerous reports from the XXXX Department that all of the installation work has failed inspections for Code compliance and that a STOP WORK order was issued by the XXXX Department on XX/XX/XXXX due to the Merchant 's improper work. We have now been informed by the XXXX, over 6 months after the dispute started, that it claims to have an " XXXX '' signature, though it has never provided it to Citibank or us until XX/XX/XXXX. That " XXXX '' signature is an obvious forgery - a straight line through a signature block on a form where the number of our credit card was manually keyed-in. Citibank has admitted the signature is " suspect '' but continues to charge our credit card. We have communicated with Citibank numerous times by facs, by voice on the phone, and by email, and have not been able to speak with a person who is familiar with our file. Each time we get a new low-level representative in their Dispute XXXX Department XXXX We need assistance, please. We have a substantial file if more information is needed. Thank you.
|
| 08/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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XX/XX/XXXX, XXXX- I was in XXXX XXXX, XXXX XXXX Departure area waiting for my outbound filight to my next destination when I, decided to enter a coffee shop and ordered one ( 1 ) bottled water, one ( 1 ) small cup of espresso coffee, and two noodles soups/dish.
I, asked the waitress how much and she said {$8.00} so I handed/gave her my SEARS Mastercard. I see the waitress leaving the coffee shop and going next door to the More Than Free Duty Free store and took her a while to come back. When the waitress came back and returned my credit card and my receipt, I read and look at it and said " this is too much and wrong, I only ordered a bottled water, a coffee and two noodles soup dishes? '' The waitress said " sorry '', and I said, 'you better fix it and reverse the charges and correct the right amount ''. The waitress insisted she did not know how to fix it and started texting someone. I, offered my {$10.00} bill to just pay for my food order, and requested and begged the said waitress to reverse and cancel the overcharged amount. The waitress stated that she did not know how and told me that the owner wanted to gave the food for free since I was overcharged {$870.00}. I asked if I could take a snapshot/picture of her phone so I could see the owner 's name and she said it is ok and handed me her phone. Whether I, stayed there at the airport and missed my flight to wait for the waitress to reverse, fix, and return the overcharged amount of {$870.00} vice {$8.00} only, the waitress stated she was not able to do it as she did not know how to fix it. There was a male customer there and he overheard us while I was begging the waitress to fix it, the male customer told me that he works in the bank and it takes 2 weeks to 30 days before a charge or refund is resolved or returned to my account, so I left my name and my email address to catch a plane and hoping that the merchant will refund the money back to my credit card. The merchant did email only once ( XX/XX/XXXX ) stating " Copy and Noted ''. I had been emailing the same person ( XXXX XXXX ) that emailed me stating " Copy and Noted '' inquiring when he/she is going to return the money? however, I did not get a reply anymore. It's been 3 weeks and SEARS Mastercard company has not been supportive nor helpful in resolving this issue. It is not fair and it is not right that I have to pay {$870.00} for a food that only cost {$8.00} and was overcharged by this merchant. I feel that SEARS Mastercard should assist me fully as I am their customer, and request the merchant to provide a breakdown of what I ordered that cost {$870.00} in a coffee shop, and a signed receipt that the charged was valid since I did not sign anything because I knew I was overcharged and the amount was totally wrong. I did inform SEARS Mastercard about me going to XXXX including XXXX and will use my credit card in XXXX ahead of time and before I went to XXXX. Since XXXX XXXX XXXX XXXX had a WIFI, I, immediately wrote to SEARS MASTERCARD website ( on-line ) requesting to stop payment due to I thought it was fraud then though it was an overcharged issue, and was told that unfortunately, SEARS Mastercard could not help unless they talked to me. I told them in writing and replying thru on-line website of the international roaming charges on overseas long distance calls and would call as soon as I landed and arrived XXXX on XX/XX/XXXX and that i did call when I arrived, however, SEARS Mastercard company still did not assist, and continued to pay the merchant the {$870.00}. I, already requested assistance also from the Hotel Staff ( XXXX XXXX ) where I stayed during my visit at XXXX, to inquire or talked to this merchant about returning the overcharged amount. The correct amount that should have been charged in my credit card was only {$8.00} not {$870.00}
|
| 09/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Citimorgage has engaged in what I believe to be deceptive behavior and stall tactics to retain my existing mortgage at 4.375 % instead of the refi rate of 3.00 %. They therefore are profiting at my expense while they stalled on refinance my loan application over 10 months. Citi had marketed to me that I was approved for the loan and they just needed more documents to close the loan. Over the next 10 months they asked for endless documents which were always provided and ran my credit 3 times and they are now set to run my credit again for a 4th time.
As Citimorgage was my original lender I applied with them to refi my mortgage from 4.375 % to 3.00 % on XX/XX/XXXX. Over the next 10 months they have stalled, repeatedly asked for more information which was provided, ran my credit a second time on XX/XX/XXXX, and on XX/XX/XXXX, Citi inadvertently closed the loan application because they misinterpreted the information provided and closed the application without my consent all after indicating I had been approved and closing it was their mistake. On XX/XX/XXXX they opened a new application and said they put a rush on it to close ASAP and again ran my credit report for a 3rd time on XX/XX/XXXX. Then over the next 5 months ( from the second application ) they repeated asked for additional information, which was provided every time. Every month they ask for more and more information and were now 11 MONTHS from the original refi application and three credit reports later and they indicate they will need a 4th credit report. They are detrimentally impacting my credit score with all the credit pulls.
In the mean time I have missed out on a lower interest rate over the last 10 MONTHS costing me thousands of dollars in additional interest payments to Cititmorgage. They are profiting from the repeated delays and hurting my credit score.
THE FOLLOWING ARE THE EVENTS THAT HAPPENED : First application with Citimortgage Loan officer XXXX XXXX with credit check XX/XX/XXXX Pre- application and cost analysis with XXXX XXXX on XX/XX/XXXX Refi with interest rate lock date for the refi application on XX/XX/XXXX with 1st credit pull done Property Appraisal done XX/XX/XXXX Original citimortgage loan interest rate 4.375 % for 30 years Refi interest rate 3 % for 20 years 2nd credit pull XX/XX/XXXX On XX/XX/XXXX XXXX left a VM stating that all files back to underwriting and will take 3-4 weeks to review and If alls good, closing should be scheduled 2-3 weeks unless there are additional documentation needed.
XX/XX/XXXX Citi inadvertently closed the loan because misinterpreted the information provided and closed the application without applicantss consent all after indicating it had been approved and closing it was their mistake.
Resubmitted the loan on XX/XX/XXXX and a 3rd Credit pull done on XX/XX/XXXX XXXX XXXX the Citibank Sales Manager who facilitated the 2nd ( resubmitted ) loan More documentation required, letters and bank statements provided.
On XXXX XXXX XXXX XXXX wrote an email that No Appraisal needed for this application after resubmitted XX/XX/XXXX Loan application status : In Review. An Underwriting assistant assigned in the loan : XXXX XXXX.
More documentation required and submitted. Complied and provided.
XX/XX/XXXX XXXX email stated pushing the loan as quick as possible so no need for another credit pull.
More documentation and letters required.
XXXX stated several times that He/Citimortgage is putting a rush on the loan XX/XX/XXXX Citimortgage letter asking for more documentation Citimortgage didnt have Property Appraisal certification to close the loan Multiple phone calls made to XXXX, XXXX and XXXX to proactively provide documentation requirement XX/XX/XXXX mortgage loan conditionally approved XX/XX/XXXX More documentation required with borrowers checklist
|
| 03/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX XX/XX/XXXX Citibank XXXX Dear CFPB, Im writing to report blatant discrimination against my account and dispute case with Citi Bank. My dispute case number is XXXX XXXX card ending in XXXX On XX/XX/XXXX I called Citi Disputes Dept. , and spoke to a supervisor who proceeds to tell me that Citi Bank practices discrimination. The reason I said that is because the Citi supervisor told me that Citi can decide which dispute claims are paid, even if the card holder mails in/ faxes in the necessary evidence to defend their dispute case. Which I have been doing since XX/XX/XXXX. I have nailed in and answered every question Citi have asked for, but yet to no avail.
I opened a dispute claim with XXXX XXXX XXXX XXXX through my credit card entity Citibank, due to the fact the room was Not as Described. What the merchant advertised on their website and what I received is a total contradiction to what I actually received. Which was a subpar room, that had broken cabinets for the refrigerator, broken tiles in the rooms, peeling wall paper, water damaged stains with signs if mold, the second room smelt moldy, and there were some areas that appears to not been cleaned in months. I took pictures and showed the hotel the atrocity I experienced. I had also took the liberty to open my claim because I was extremely unsatisfied with room I booked for my Birthday weekend with XXXX. If it were any other weekend, I my not be as peeved, however it was my XXXX weekend.
At my stay at XXXX in XX/XX/XXXX, I had to request a room change 3 times before I was provided an acceptable updated room that was not nasty looking and trashy. The first day I arrived I requested a room change because it was not vacuumed or cleaned properly. While in the room I started to smelled like moldy wet carpet. I called the front desk and explained I needed a room change, because I could not breath well in that room. I was offered another room change to subpar room with broken tiles. I then proceeded to speak to a property manager who stated they would refund my resort fees for the inconvenience. Upon check that was an issue to get my resort fees. The hotel continued to say that it was refunded and in actually it was not. Im under the understanding that the resort fees were about {$150.00}. I paid {$550.00} for the reservation. I did not enjoy any resort amenities and the wifi did not work and the phone in the room. This entire trip was a disaster but because I stayed there a only dispute partially.
Due to my inconvenience I faced with my stay I find it was fair to dispute and request {$250.00} out of the {$550.00} I paid to stay at what seemed like a roach motel. I paid for 3 nights and only one of those nights I received an adequate room and felt at peace after all the issues. What baffles me is the fact that the hotel knows that their hotel has an over abundance of defects. The reason was because the property manager I spoke to td me that the hotel is being remodeled and that was when he said let me give you a room on the 10 FLOOR, WHICH HAS BEEN ROMODELED.
I plan to write the XXXX XXXX XXXX XXXX, and my states Attorney Generals office to inform these entities of Citi practice of discrimination. Again, to reiterate that on XX/XX/XXXX at approximately XXXX the Citibank dispute supervisor told me on that even though I have nailed pictures, emailed an over abundance of email during the dispute process, and have explained that my dispute is not as described. Citi is unwilling to refund me on this dispute because I was awarded funds for an entire dispute that has nothing to do with this current dispute. The other dispute pertained to a hair wig.
CFPB, please assist with an investigation into my claims because they are valid.
Thanks, XXXX XXXX
|
| 05/18/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
MONEY MISSING IN CITIBANK XXXX ACCOUNTS @ CITIBANK, N.A, USA UNAUTHORISED CLOSURE CITIBANK XXXX ACCOUNTS BY CITIBANK N.A STAFFS CITIBANK XXXX ACCOUNT NO. : XXXX @ CITIBANK, N.A, USA I, XXXX XXXX XXXX, holding Identity Card No. XXXX have a Citibank XXXX Account XXXX. XXXX opened with Citibank N.A, XXXX XXXX XXXX XXXX XXXX XXXX Office at XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX New York, XXXXXXXX on XX/XX/XXXX.
I am lodging this report for your investigations relating to my bank deposit money missing in my Citibank N.A XXXX Account No. XXXX, Unauthorised Withdrawal of Money in my Citibank N.A XXXX Account No. XXXX and Closure of my Citibank N.A IXXXX Account XXXX. XXXX by Citibank N.A XXXX staffs without my Approval.
Citibank N.A staffs have Unauthorised Closed my Citibank XXXX Accounts Without my Consent/Approval. The Money in my Citibank XXXX Account is Missing and the Money is Withdrawn without my Authorisation.
On XXXX XXXX, XXXX, I have a telephone conversation with Citibank N.A, service staff to check my Citibank XXXX Accounts Status. After checking the Citibank computer, Citibank N.A, Customer Service staff confirmed my Citibank XXXX Account was NOT REGISTERED/RECORDED in Citibank N.A XXXX XXXX XXXX XXXX Moreover, Citibank customer service staff is unable to trace whereabouts my MISSING MONEY kept in my Citibank XXXX Accounts.
My Communication via telephone and email with Citibank N.A USA is as follows : - On XXXX XXXX, XXXX, I sent several letters via email to Citibank N.A Customer Service staffs at Citigroup Customer Service XXXX Citigroup Center XXXX XXXX, XXXX, FL XXXX, USA regarding the Unauthorised Closure of my XXXX Accounts and Whereabouts is myMissing Money kept in my XXXX Accounts.
The Names of Citibank N.A Customer Service Staffs I have contacted and emailed my letters to : XXXX XXXX XXXX, Citis Customer Service XXXX XXXX XXXX, Senior Vice President Sales Group Manager XXXX XXXX XXXX XXXX XXXX XXXX, Citis Service Assistant XXXX XXXX XXXX, Vice President Sales XXXX XXXX XXXX XXXX, Assistant Vice President Financial Advisor XXXX International Till today, I have NOT received any reply from Citibank N.A Customer Service staffs names mentioned above.
On XXXX XXXX, XXXX, I sent several letters via email to Citibank Executive Staffs in Citibank N.A Head Office at XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, XXXX regarding the Unauthorised Closure of my XXXX Accounts and Whereabouts is myMissing Money deposited/kept in my XXXX Accounts.
The Names of Citibank N.A, Executives Staffs that I have emailed my letters to : - XXXX XXXX, CEOand President of Consumer Banking XXXX XXXX, Chief Administrative Officer XXXX XXXX, Senior Vice President, XXXX XXXX XXXX XXXX XXXX XXXX, Chief of Staff to CEO Till today I have NOT received any reply from Citibank N.A, Executives Staffs names mentioned above.
I will be grateful if your CFPB could conduct a thorough investigation of the : ( 1 ) Missing Money in my Citibank XXXX Accounts.
( 2 ) Unauthorised Withdrawal of Money in my Citibank XXXX Accounts.
( 3 ) Unauthorised Closure of my Citibank XXXX Accounts.
and inform me at the earliest of your investigations outcome to my above address and/or Cell Phone.
My Cell Phone No. : XXXX or Email Address : XXXX Thanking you in anticipation of early enforcement action by your Consumer Financial Protection Bureau ( CFPB ).
Citibank N.A USA Contact Citibank , N.A .
Customer Service Centre XXXX Citigroup XXXX, XXXX XXXX, Florida XXXX XXXX Phone : XXXX XXXX XXXX ) XXXX Citibank N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX New York XXXX For your references , I enclosed 2 Pages Citibank XXXX Account Statements and ( 2 ) XXXX Police Report.
Sincerely Yours XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
|
| 12/02/2016 |
Yes |
- Prepaid card
- Gift or merchant card
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- Managing, opening, or closing account
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Web |
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I had a " Thanks for Sharing '' card from Macy 's with {$94.00} on it that Macy 's is unable to release funds for. The card was received in XXXX and does not have an expiration. I was charged {$25.00} to enroll in this rewards program, and the funds were earned as 10 % of purchases made in XXXX on my Macy 's card. While they can see the funds on the card and say it has n't expired, there is a block on the card as they need to activate it via the card that accrued the points, however they are unable to find my Macy 's card in their system as its been inactive too long. After several attempts with them unable to pull up my Macy 's card info, they 've told me they 've gone ahead and removed the block and I can go into Macy 's to redeem it, only to have it rejected during checkout and finding out a block is still in place. We 've been in Macy 's 4 times in attempts to use this card, each time being told its been unlocked and ready to use only to be unable to use it. My mother who I was giving the card to does not drive and lives 30 minutes from Macy 's, so this is a hardship for her to get transportation there only to be unable to redeem it. It 's been about 6 months of attempting to use this card, with no resolution on Macy 's end. I was first told the block was removed in XXXX by a card activation associate " XXXX '', but my mother was still unable to use it later that month. On XX/XX/XXXX I was in Florida with my mother with both cards in-hand ( I had the original Macy 's Card, she had the Thanks for Sharing card we are attempting to redeem ), so I called back in to get this straightened out. I was told by " XXXX '' that she sees the block was removed XXXX, but put back by someone on their end on XX/XX/XXXX. She told me she 's removed the block again, entering in account notes not to reactivate the block, and that we can now redeem it. Within a few hours, we went to Macy 's however upon checking out, the card would n't go through with a notation for the sales associate to call the card department. Upon speaking with someone from their loyalty department ( XX/XX/XXXX approx XXXX ) I was told that she is unable to release the funds on the Thanks for Sharing card without an active card, however she attempted to get me to open a new credit card account saying that this would resolve the issue. Skeptical of this as I was previously told it was a security feature that the original card that accrued the points was needed to active the Sharing card, both myself and XXXX, a sales Manager at the XXXX Fl location questioned this, only to be told that this might not work. ( Note, I believe offering a false promise of compensation/consideration for opening a line of credit is against UDAAP guidelines ). At this point I was put in touch with her supervisor XXXX ( employee XXXX ), who informed me that she did not know how to remove the block, but would make inquiries on their end and get back to me within 3 days. On XX/XX/XXXX without hearing back, I 've called Macy 's and been put in touch with XXXX ( ID # XXXX ) who says he is unable to see any holds on their end stopping me from using the Sharing card, it must be user error at the store and I can go in and use it. Going back to Macy 's on XX/XX/XXXX, they are still unable to use the card, but a store manager said she 's seen this issue several times with the Thanks for Sharing card, and exchanged the card for " Macy 's Money '' coupons telling me I should be able to use that. Note : I typically do not shop Macy 's as I find them to be more expensive than other stores, but made additional purchases in XXXX with the understanding that I was earning money back on my Thanks for Sharing card.
I feel their behavior and unwillingness to adequately resolve this is in violation of the Unfair & Deceptive Abusive Acts & Practices.
|
| 01/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
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|
Web |
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On XX/XX/XXXX, I was notified that my new Citi credit card had been shut down due to " suspicious activity ''. Given that the start of the card timed with a string of quick buys on XXXX XXXX during a video gaming event, I understood and called the company in good humor. In the below information, I have put an asterix ( * ) ahead of my major concerns as there are many issues that occurred.
In order to confirm there was no fraud taking place, Citi asked me to give them a phone number to verify my identity. I provided them with the number on the account. This is the only phone number on the account, as it is the only phone number I have had since XXXX. I was notified by Citi 's fraud department that they could not use this number to verify my identity because my name was not on the account for the phone. I am on a family business plan. When I asked the relevancy of this information given that I was providing the number on the account ( which they confirmed ), they stated that it was policy that the number used to identify the card member had to be in the card member 's name regardless if the number was on the account or not. The City fraud department then requested that I provide another number to use to verify my account.
*As stated, there are no other phone numbers associated with the account, nor do I have another phone number - or even one that would be associated with my name if they're doing a check like that. Here I would like to express concerns that they're doing checks on phone line ownership. The status of the ownership of my phone line does not impact the fact that it is the only phone number associated with the account and the only one they should be using in contact with me.
Once it was clarified to the representative that I do not have another phone line, the representative said that they would like to try something and put me on hold. After several minutes, they notified me that they tried another number and did not reach me. This was obvious to me as my phone was the only one in the home ( no landline ) at the time of the call.
*They stated that they called a number associated with my name, confirming that it was not associated with the account I had created with them, and had reached my grandmother, notifying that they were calling from the Citi Fraud Department and telling her that there was an issue with my card. At that time, I was then required to disengage from the Citi call to discuss with my grandmother, whom I have not lived with since XX/XX/XXXX and has never had any control or interaction with my banking information, my financial situation.
*After several minutes, I called Citi back and reached a new associate. When I asked where they retrieved my grandmother 's phone number from, I was notified that Citi uses public records to search and confirm account holder information.
Once I had confirmed with the representative that there was no other way to verify my identity except through an associated phone line or to wait for Citi to mail me a confirmation number, I was additionally notified that it would also not be possible to close the account until these steps were taken. I requested to be escalated to a manager so that we could flag the account for closure and proceed as quickly as possible as I no longer trusted Citi with my personal information. I was notified that managers were not available at this time and would call me back as soon as they were available.
At XXXX EST, Citi called me with two back to back phone calls overriding my " do not disturb '' phone setting ( waking me up ) and left an automated message.
Citi has since made no further steps to resolve the situation. At this time, I have no intention of unlocking the fraud lock on the card except to close the account, as I prefer it not to be used again.
|
| 01/28/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On XXXX XXXX, 2016, the father of my son and my fianc was XXXX. He had a checking and savings account through Citibank- which per XXXX law- became the inheritance of our XXXX son. My attorney instructed me to freeze his accounts until an affidavit could be completed to allow the release of the funds to our son. I called Citibank on XXXX XXXX and froze both accounts. He had XXXX auto debits coming out of his checking account- a mortgage payment for his condo and one for the monthly assessment fees. The Citibank representative who froze the accounts assured me repeatedly that no funds would be allowed out of his accounts while the accounts were frozen. And, upon his death, his ex-wife who is on the deed, became solely responsible for the condo and all financial obligations associated with it. I called back a few days later to confirm that the accounts were frozen and that no debits would be allowed out while the accounts were frozen- again- I was assured this was correct. There was an auto debit attempt made by the condo association in XXXX and that was declined- the condo association has a record of this. Additional proof that the freeze was in effect. Somehow between that time and XXXX when the affidavit was complete- Citibank allowed an auto debit to occur and the condo association debited out {$1200.00}. The accounts were still frozen and remained frozen until they were closed and a check was issued in XXXX. When I received the check, I realized the amount was less than what was in his accounts when he died. I called Citibank and was informed about what happened- the supervisor could not give me a reason as to how or why it happened and told me a check would be mailed to me for the amount since it was clearly an error by Citibank and Citibank would then work to retrieve the funds from the condo association. I was told this check would be received within 10 business days. I never received this check. It was then that the horrible battle began in trying to get this money credited back. Numerous supervisors all telling me different things, not calling me back as promised, no resolution at all. I could not visit a branch to discuss this in person since I now live in XXXX where the closest branch is XXXX hours away. Finally, a branch manager in XXXX submitted a statement of unauthorized debit and this went to the condo association to retrieve the money. The condo association will not give back the funds because the ex-wife has not been paying the fees and they want to recover them even though they are taking the money from a XXXX versus the person financially responsible for the property. Independent of this, however, Citibank refuses now to credit back the account even though I was told initially it would be, because they can not retrieve the money from the condo association. Everyone from Citibank who I have spoken to has acknowledged that the money should have never been allowed to be debited out while the account was frozen but Citibank refuses to accept liability for this bank error and credit the account. I still have no answer as to how or why this happened, why our son is being penalized for this when it was an error by Citibank, and why the account has not been credited. The last response I received from the branch manager was, " those are all very good questions and you are correct, however there is nothing I can do. '' Citibank allowed an unauthorized debit to occur- they have record of it and so does the condo association and have admitted that this should have never happened, however refuse to credit the account the amount of money they allowed to be debited out. This money was to go to our XXXX son 's college account and it needs to be returned. I did everything right, as instructed. Citibank made the error and they need to take liability for it.
|
| 04/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
In XX/XX/2019, victim went to the Bloomingdale 's store in XXXX XXXX, CA, to check on her account because she had not received a statement. She made a payment of {$100.00} and was informed that her balance was for almost {$2000.00}. She disputed the amount and was told that the account would be closed and a new credit card issued. Further inquiries revealed that the charges were for a pair of shoes valued at {$900.00} and for sunglasses valued at {$300.00}. None of these charged were authorized by the victim.
A new cad was received, a special password for purchases was created, and all credit reporting bureaus were notified. Bloomingdale 's was also asked for copies of the purchases. No reply was ever received.
In the same month, victim received notification from XXXX XXXX that someone using her name and SSN had submitted a credit card application. Victim reported this was not her application. In the same month, victim received notification from XXXX XXXX in XXXX, FL, of another credit application, which had been denied because of unverifiable information. Same month, another notification was received, this time from XXXX XXXX in XXXX, KY, reporting the opening of an account in her name. Victim informed XXXX of her stolen ID. In XX/XX/2019, XXXX Bank informed victim that someone using her name and information had submitted a credit application for an XXXX XXXX card. This was again reported as fraud. In same month, victim received a letter from XXXX XXXX XXXX XXXX in XXXX XXXX, SD, reporting a credit application under her name. Again, this was reported as stolen ID. Same month, victim received information that a new account had been opened under her name with XXXX XXXX in XXXX, UT, in the amount of {$1800.00}. This was immediately disputed, and a request was made for a copy of the credit application.
In XX/XX/2019, a person identified as XXXX XXXX deposited {$1100.00} to the victim 's XXXX Bank account, allegedly as " rent payment ''. Victim owns no rental property. A few days later, an unidentified person withdrew {$200.00} from her bank account, listing a phony account number. There were further attempts to impact the victim 's bank account, so victim closed her account. All these events were reported to the nearest XXXX XXXX Police Department station, where she was given report number XXXX. Notwithstanding all these events, which were reported to the Bloomingdale 's " Fraud Investigation Department '', the said department replied with a form letter, informing victim that " their investigation '' had failed to clear her of the unauthorized charges, and demanded payments, which they have continued to do so through various collection agencies. Documentation regarding the above-listed cases of identity theft were provided to the so-called " Fraud Investigation Department, '' to no avail. Her credit was damaged, reported as out for collection, and repeated requests for PROOF of her making these unauthorized purchases have met with intransigent denial and refusal, always responding with form letters insisting that she is responsible for the unauthorized charges. The collection agencies have been repeatedly asked for proof and asked to cease and desist from further communications, again, to no avail. If there is fault to be assigned, the Bloomingdale 's " Fraud Investigation '' incompetents are to blame, as they have not performed their duties appropriately and have failed to provide proof of the victim 's culpability. I would like to have this matter resolved before I need to contact an attorney, at my expense, to resolve the matter, and to assign compensatory damages to Bloomingdale 's. Thank you for your assistance with this vexing matter. Just noticed a request to submit attachments. The files I have are too many to upload, but can submit them via mail.
|
| 04/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
In XX/XX/XXXX, I opened a 0 % Citibank credit card account, in order to transfer some of my higher balances. The credit limit was {$4500.00}. I transferred balances and since opening the account, I have paid every payment on time. There have been times that I paid over what was due to bring down my balance. Without my asking, Citibank increased my credit limit to {$8200.00}, I believe in late XXXX. In XX/XX/XXXX, they again increased my credit limit to {$8700.00}.
I have not used the card since XX/XX/XXXX, because I wanted to bring my usage percentage down. My current balance is {$4600.00}. With a credit limit of {$8700.00}, my usage percentage was about 53 %.
On XX/XX/XXXX, I received a XXXX XXXX alert, stating that Citibank had lowered my credit limit to {$4900.00}! Owing {$4600.00}. on a {$4900.00}, credit limit increased my usage on the card to 94 %!!
I called Citibank and the agent told me that I was sent a notice via USPS on XX/XX/XXXX. I haven't received it. But I also moved to a new house.
I asked the agent why Citibank lowered my limit. She stated that my credit usage was too high overall. I explained that my usage has only increased by a little, over the past few years, and asked why the limit wasn't lowered before. For this, she had no answer. I also explained that I have paid all of my credit cards on time, and almost always pay over what it due on each card. ( I monitor my credit score every month! ) I complained to the agent that we are in the middle of a Pandemic, and many people are not working and have to use their credit cards for present. I stated that all over social media, Citibank has bragged that they are helping customers, who are having trouble making their credit card or loan payments by using deferment, credit limit increases and other methods. At the same time, they have lowered my credit limit. I have not asked for their help with my payments, and have continued to pay what is due during the Covid-19 pandemic.
I feel that Citibank has unfairly taken advantage of customers like me, who haven't asked for help and who continue to pay their credit card bill during this crisis. Their action in lowering my credit limit has set a precedent for my other credit card companies to do the same. This would wreak havoc on my credit score, which will sorely disable me for my future.
As it stands, due to Citibank 's harsh decision, I learned on XX/XX/XXXX that my credit score went down 27 points this month!!! I am totally disheartened, as I have worked so hard to build my credit since my divorce from a financially irresponsible husband!
I ask : Why bother paying my credit cards on time and pay extra, if I am going to be penalized unjustly anyway? I wouldn't even have lost that many points on my credit score if I paid one, two or maybe three payments late! Would I have been better off, if I had asked Citibank to help me with my payments, rather than continue to pay on time? I don't know. But lowering my credit limit is very unfair and hurts me and my family.
I read Citibank 's many reviews and saw that during this pandemic, their overall rating is one star. I saw that a few other consumers have suffered the same fate as I have. All of the reviews were from disgruntled customers. I am also going to write a review.
I received no satisfaction from my call to Citibank to resolve the issue. The agent told me that the only thing I could do was to contact XXXX, where they received my information. That same information has been there all along, since I opened the card. Why lower my credit limit now? I will contact XXXX. But XXXX did not make the decision to lower my credit limit, Citibank did!!
I appreciate your assistance in helping to resolve this issue and ultimately, get my credit score back up and in good standing.
Thank you.
|
| 11/19/2016 |
Yes |
|
|
|
Web |
|
|
Dear CFPB, I am writing about a continued and willful data security breach on the part of Citibank/Macy 's American Express Credit Card. Despite informing them multiple times, both written and via telephone, they continue to send me another individual 's private financial information. I have no way to contact her to inform her of this, and the company seems to have been unwilling or unable to remedy the issue. I 'm sure the other individual would be grateful for your help in resolving this.
On XXXX XXXX, 2016, I received an incorrectly addressed email to a " XXXX XXXX ''. My name is XXXX XXXX, and I imagine our actual email addresses are similar. I 'm sure it was an honest mistake, and neither her nor Citibank/Macy's/American Express are to blame. Usually with this type of automated email, there is some sort of " Received this email in error '' link to easily fix mistakes like this. Unfortunately, there was no such link in this case. I replied to the email informing them of the wrong address, but did not receive a response. I did the same for additional emails, not expecting much. The emails footers said : " Please do not reply to this email. For account-specific inquiries, please sign on to your online account or call Customer Service. '' Of course I was not able to log onto someone else 's account, but the emails frustratingly provided no other contact information.
Then, the emails started to include account balances, payment dates, and last XXXX digits of the account number. At this point, I was more concerned, since this was rapidly approaching the level of information needed for an identity thief to take advantage of poor XXXX. I searched for some way to contact the company or her, and entered a written complaint on the main Macy 's website complaints section. I received no response.
The emails continued to be sent, and continued to include private things like balance information and payment dates. So, I XXXX for information, and found a customer service number to call. On XXXX XXXX, 2016, I spoke with a representative named XXXX XXXX. She was initially confused, and insisted on being given the full account number to remedy the problem. Eventually, though, she said the problem would be fixed.
The problem was not fixed. I continued to receive XXXX XXXX personal emails.
I called again on XXXX XXXX, 2016, waited on hold, got through eventually, and asked to speak to a manager. I talked to him, and he also asked for full account information, etc. Once he understood, he suggested that I simply set Macy 's email address as part of my spam filter. This is obviously not a solution, as the private information is still being sent. I asked him to actually fix the problem, and he eventually said he would, and would email me confirmation of the fix. Unfortunately, I did not get his name.
More than a month later now, I have not heard back from him, and have continued to receive XXXX XXXX account information via email. I 've gotten her account balances, her payment dates, her overdue notices, and more.
Rather than just ignore the situation, I have tried to do the right thing for this complete stranger named XXXX XXXX. I have sent emails, written complaints, and spent hours on the phone on hold and with representatives. This should be one of the simplest problems in the world to resolve. That the issue could happen in the first place is forgivable. That Macy 's clearly has no mechanism in place to resolve what can not possibly be an isolated incident boggles the mind. I wonder how may other people 's personal financial details are being sent to strangers who did not have the time or inclination to report it.
At this point, I am reaching out to you because I do not seem to be able to get through to Macy 's in any substantive way.
Sincerely, XXXX XXXX
|
| 06/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
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In the XX/XX/XXXX, I asked XXXX ( XXXX ) to assist with a home modification loan with my mortgage holder, CITIMORTGAGE " CITI. '' I submitted all documents to XXXX and had notified CITI that XXXX was assisting me. I was advised by both XXXX and CITI to withhold my mortgage payments and save the amount I would be paying in the process. I no longer had access to my CITI account online. I contacted my advocate monthly regarding the status of my modification and continued to send required documentation as requested. In XXXX of XXXX, I was asked to submit documentation of a second mortgage with a timeshare company, which I had notified my XXXX advocate the company my mortgage was originally with had been sold to another company and the new company was unable to provide the mortgage statement XXXX and CITI were requesting, so I was asked to submit a personal statement regarding the same. Once the statement was available, it was submitted to XXXX. I received a letter from an attorney regarding plan to foreclose on the property and replied to them my home loan is currently in the process of modification. I was informed by XXXX that CITI had not made a decision regarding my modification and it was still in underwriting as of XXXX. On XXXX XXXX, XXXX, I was notified my property was being foreclosed with the sale date of XXXX XXXX, XXXX, although neither XXXX nor I had received any documentation regarding the status of my modification from CITI. I emailed the letter from the attorney listed on this notice. XXXX XXXX, XXXX, I received a letter from CITI naming XXXX XXXX as my new contact, which gave me the impression CITI was still working with XXXX regarding my modification. During a telephone call with XXXX, the advocate assisting me ( who identified themselves as a supervisor ) was chatting online with a representative CITI while I was on the call with her. XXXX informed me of the conversation taking place regarding the status of my account with CITI and why they had chosen to proceed with foreclosure while my loan modification had not been finalized, and then informed me CITI had abruptly ceased from replying to the questions asked during this chat. The following week, I was informed by XXXX my property was sold at auction on XXXX XXXX, XXXX to a third party. On XXXX XXXX, XXXX, I arrived home to find a note taped to my door stating I was illegally occupying this residence and legal action or eviction would take place with a number attached. I called the number, but did not receive a return call at the time of this filing. I contacted CITI and spoke with a representative who informed me my telephone number, which CITI has had for more than five years was tagged as 'DO NOT CALL ' and had not been verified, but no one was able to tell me who tagged my number as to not call, as this has been the primary number they have always had on file and had previously used to contact me. I was also informed by CITI they have not had any communication from XXXX, as recent as XXXX, XXXX, although I was on the telephone with XXXX as they were communicating via email in a chat. It was my understanding early in the modification process that CITI has immediate access to all XXXX documents, which is why I submitted my documents directly to XXXX to avoid confusion. I also was informed during my conversation with CITI on this date that a letter of denial for modification was mailed to me dated XXXX XXXX, XXXX, but the representative I spoke with could not explain why I received a letter dated XXXX XXXX to notify me of the new representative assisting me with required documents. I never received the document dated on XXXX XXXX.
As a result of this my home has been sold to a third party, despite my efforts to modify my home loan, and I never received a decision regarding my modification.
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| 04/18/2016 |
Yes |
|
- Credit decision / Underwriting
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Web |
Older American |
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In XXXX, we originated a refinance with a company named XXXX XXXX XXXX XXXX. XXXX did not fund the loan. The reason for the refinance was not to get money out, but to get free from a predatory loan by XXXX home loans while we were in litigation. It cost us over {$70000.00} above our principle at that time to secure a refinance agreement.
Immediately upon completion of the loan arrangement XXXX notified us that our loan had been " sold '' to CitiMortgage who would be our servicer. During this time we were in litigation with XXXX for their predatory lending practices for charges of fraud and XXXX counts of bad faith.
At the end of XXXX, CitiMortgage called us and informed us that as a result of Obama 's bailout plan we qualified for a modification if we wanted to apply. Initially we declined, however as our legal fees mounted, and work slowed down, the next time they called we agreed to apply for a modification.
In XXXX XXXX, in a XXXX call with XXXX XXXX, Myself and CitiMortgage customer service we were informed that we qualified for a modification and it would be XXXX 45 days until we received the packet in the mail.
XXXX45 days passed with no packet arriving, each time we called, CitiMortgage informed us that it was in underwriting, or they were working it. We called again after three months to follow-up. We were informed that because we had not missed a payment our modification had been delayed. If we were in arrears our modification would be 'accelerated '.
As the implication ( later confirmed in writing ) ( attached ) was that we needed to miss a payment to have our ( already qualified ) modification issued, we missed a payment in XXXX XXXX.
We had a scheduled jury trial date for our lawsuit with XXXX scheduled for XXXX XXXX, XXXX. We called CitiMortgage at the XXXX, as we had not yet received our modification packet. They assured us that it was being completed and we would receive it by XXXX XXXX. We missed XXXX XXXX payment in anticipation of our loan modification packet with the new payment.
By XXXX XXXX, we still had not received it. We called CitiMortgage in a panic and CitiMortgage assured us it was on it 's way to us. On XXXX XXXX, XXXX, a customer service employee called us to inform us that we would be receiving our packet soon.
On XXXX XXXX, XXXX, we at long last, received a packet, ( attached ) however it was not a full modification, but a trial modification assuring us that if we made the 3-month trial payments we would be qualified for a full modification. CitiMortgage informed us that if they did not receive the payment by XXXX XXXX, XXXX they would withdraw the offer. We sent the payment XXXX overnight.
CitiMortgage never intended to honor their modification with us. On XXXX XXXX, XXXX, they transferred servicing of the loan to XXXX who refused to honor the trial modification.
In addition to this abusive behavior by the banks and servicers, the news and internet is filled with other ongoing abuse, so that we can anticipate what is coming. What the 'lender/servicer ' says does not coincide with what they do, and to date there is little to no recourse for the borrowers who have been set-up as " foam on the runway '' to foreclosure.
When CitiMortgage did not honor the modification. I set out to find the owner of our note, hoping we could plead our case with whoever that 'trust ' was. What I discovered is that was no trust.
I was informed by XXXX XXXX, from the CitiMortgage corporate office, that CitiMortgage had never put our 'loan ' in a trust.
XXXX did not have their own funds to fund a loan. To date, CitiMortgage has not provided accounting to demonstrate that they funded the loan and in XXXX XXXX, we received a letter from XXXX XXXX XXXX informing us that our first loan was now with XXXX XXXX XXXX. ( attached )
|
| 06/17/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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XXXXCitimortgage (Citi) has abused and harassed my family for over a year and a half. XXXXCiti violated several State and Federal laws, including but not limited to RCW 31.04.027(2), RCW 31.04.027(13), RCW 31.04.290(1). XXXXCiti failed to make any reasonable attempts to rectify the situation, provide appropriate remedies for damages. In XX/XX/XXXX I applied for Homeowner's Assistance to lower my monthly mortgage payments. My request was denied on XX/XX/XXXX. A year and a half, XXXX plus written / verbal requests and notices later, Citi still refused to provide me with an accurate and updated account reflecting no Homeowner's Assistance Status. Citi has a duty and obligation, express and implied to provide every borrower with an accurate account. Accurate in every way, including but not limited to payments, account balances, tax and insurance premiums, dates of transactions, account statuses and make accurate updates to accounts in a timely manner. The breach of Citimortgage's obligation is indisputable. Citi had plenty of opportunities to cure the default but failed to do so. The harm has been done by Citi was tremendous. We're a new family XXXX my wife and I recently married, we have a XXXX year old daughter. My wife often logged onto the account / called Citi to check, we were bombarded by mail, requests and notices about the status of the alleged assistance, assignment of a new homeowner support specialist and ineligibility for a Foreclosure Prevention Treatment. Feeling secure, being protected and safe in the family home is one of the most important things for a woman in a marriage. Citi took that away from my family for no reason! Anytime a large Citi envelope arrived, XXXX my wife and daughter looked at me with tears in their eyes and asked: "are we in trouble"? It was cruel, unsettling and intimidating. I couldn't help asking the question, is Citi here to brake up American families and disrupt lives of responsible borrowers like us? Again, we had nothing to do with Citi's Assistance, Modification, or Treatment Programs, we clearly asked Citi XXXX plus times during that XXXX months to stop the reckless solicitations! How loud and clear does it have to be for Citi? What part of the NO and STOP couldn't they understand? Taking the frequency and duration into consideration, the reckless harassment and cruel abuse of my family by Citi is evident. By late last year, early this year I had ENOUGH of my wife's and daughter's tears and MORE THAN ENOUGH of Citimortgage's harassment and abuse. I sent several demanding letters, notices to Citimortgage, XXXX specifically advising them XX/XX/XXXX that they defaulted on their mortgage servicing obligations, I asked again to properly update my account or suspend it if they need more time and until it's repaired. No further payments will be made until the correction to the account is done. No person in the United States or anywhere else in the world should be expected to apply a payment to an account that is erroneous and inaccurately maintained by a financial institution. Citi responded by penalizing us with late payments and late reporting to the credit bureaus. My requested of adjustments was denied immediately. Citi failed to provide us with the name of the examiner. Citi's improperly updated Mortgage Assistance Tool, erroneous "coding" / "flagging" and a series of clerical errors by an unjustifiable number of Citi Executives and IT staff has been acknowledged in Citi's response to our State. Many XXXX disruption of lives of perfectly responsible American families is the result! A thorough and credible investigation is a legal and moral imperative. Given the gravity of Citi's conduct described in my complaint, I ask the CFPB for a thorough investigation and to take enforcement actions against Citi. (see attached)
|
| 07/21/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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In XXXX XXXX, I was a victim of identity theft. Several accounts were fraudulently opened in my name and nearly {$50000.00} was charged to these accounts. Since this occurred, all creditors have determined that the accounts were not mine with the exception of Macy 's. I have sent Macy 's their Statement of Fraud, proof of identity, proof of residency, the police report filed with the local police department, as well as the Identity Theft Victims ' Complaint and Affidavit from the Federal Trade Commission. This information has been sent to Macy 's on three separate occasions by postal mail, fax and XXXX. I received a letter from Macy 's Macy 's on XXXX XXXX, XXXX confirming their receipt of all information requested. Macy 's has refused to close the account and remove it from my credit reports. Macy 's sent the account to XXXX XXXX XXXX , XXXX " XXXX '' in XXXX XXXX. I received a letter from XXXX on XXXX XXXX, XXXX demanding payment. I sent XXXX the following letter via XXXX on XXXX XXXX, XXXX. I have not received any correspondence from either Macy 's or XXXX since then nor have they removed the fraudulent information from my credit reports.
Letter : XXXX/XXXX/XXXX XXXX XXXX XXXX , XXXX .
XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX RE : Department Stores National Bank / Macy 's Account # Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to open an account and make purchases with Department Stores National Bank / Macy 's. This debt is not mine. In accordance with the Fair Debt collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify Department Stores National Bank / Macy 's that the debt is the result of identity theft.
The credit card used to charge these items was opened without my authorization by someone using my sensitive personally identifying information.
Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft.
Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigator 's summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. Notify the original creditor that the debt is the result of identity theft ; 2. Stop collection proceedings against me ; 3. Cease reporting this information to the credit reporting agencies ; 4. Provide me with the information I am requesting ; and 5. Take all actions required of you as a furnisher of information to credit reporting agencies.
Thank you for your cooperation.
Enclosures : Proof of Identity Proof of residency FCRA 615 ( g ) ( 2 ) FTC Notice to Furnishers of Information Police Report filed with the County Sheriff 's Department Macy Statement of Fraud Letter from Macy 's acknowledging receipt of Statement of Fraud.
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| 09/30/2015 |
Yes |
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Web |
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Below is what I sent to the Macy 's Collections department via U.S. Mail.
On or about the date of XXXX 2015, I made a purchase at the Macy 's Men 's Store in XXXX, CA. The purchase was over thirty dollars ( {$30.00} ) but did not exceed XXXX XXXX dollars ( {$100.00} ). I do accept responsibility by stating that I did pay the bill two ( 2 ) months late. However, I immediately paid the bill the following month and had the late fees waived being a long time Macy 's Credit Card holder. On or about the date of XXXX 2015, I received a letter in the mail stating that I had an outstanding balance for approximately one hundred ( {$100.00} ) dollars. Knowing clearly that this was a mistake, I immediately contacted the Macy 's Customer Service number at XXXX. I explained to the Macy 's representative that I had paid the bill in full the previous month and should have a balance of zero dollars. The Macy 's representative placed me on a brief hold which ended up lasting longer than expected, approximately forty five ( 45 ) minutes. The Macy 's representative then explained to me that Macy 's had made a mistake and that my balance would be brought back to XXXX yet again. At the end of this call, I did not receive an e-mail as requested referencing the adjustment and Macy 's being at fault. On XXXX XXXX, 2015, I AGAIN received a statement reflecting a balance of roughly one hundred ( {$100.00} ) dollars. IMMEDIATELY AGAIN, I called the abovementioned Customer Service number and explained the same issue again. After being on hold for approximately fifty five ( 55 ) minutes, I was AGAIN told the issues would be resolved and my balance brought to a XXXX. AGAIN, I asked for an email to be sent to me but again none was sent. I obtained the Macy 's Collection representatives last name and badge identification number for future issues I knew I would likely be going through. This agents last name is XXXX and her badge identification number is XXXX. On XXXX XXXX, 2015, I AGAIN received a statement with a new balance of XXXX ( {$100.00} ). AGAIN, I IMMEDIATELY contacted the Macy 's Customer Service and went through the entire orderal yet AGAIN. This time I was on hold for approximately forty three ( 43 ) minutes. In the end, I was AGAIN told I would receive a letter in the mail and within twenty four ( 24 ) to forty eight ( 48 ) hours I would see a balance of XXXX dollars. AGAIN, I obtained the representative 's last name and badge number, XXXX, XXXX. On this date of XXXX XXXX, 2015, I am writing to Macy 's Department Stores National Bank, to immediately look into this ONGOING issue which has NEGATIVELY affected my business, investments and my credit score. As mentioned above, I do take full responsibility for not making the initial payment but do honestly say again, that I paid my balance off shortly after. I 've been a Macy 's Credit Card holder for over five ( 5 ) years and have never carried a balance, with the exception of one or two late payments. However, even after learning of the late payments, I pay them off in full and never carry a balance. Therefore, I need this issue resolved ; I need a letter from this agency exonerating me from any and all balances base on the information provided, the notes on my account, and base on the representative 's that I spoke with. Furthermore, on XXXX XXXX, 2015 I spoke with XXXX XXXX ( XXXX ) who is a Macy 's Manager within the Collections Department located somewhere in the United States. After belittling and blaming me for this ongoing issue, XXXX XXXX ultimately brought my balance down to XXXX ( {$1.00} ). XXXX XXXX stated she would NOT provide me a letter exonerating me because this issue was my fault and she was already doing me a " favor ''. Although XXXX XXXX brought down my balance, she was completely rude and unprofessional
|
| 01/06/2016 |
Yes |
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|
Web |
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|
Good morning, I am writing regarding my Macy 's credit card that I have had for over 10 years. In XXXX, Macy 's contracted to a new credit card vendor ( I believe XXXX XXXX ) and since that time, service has been terrible and the website is constantly down which prevents me from paying my bill. To note, I have never been late in paying this bill in the 10 years I have had the card until this XXXX. In XXXX, I attempted to pay the complete amount due online over the course of three days, but each time the site was down. After these failed attempts, I admittedly forgot about this obligation as I was on vacation and I failed to pay on time. As such, Macy 's contacted me to make a payment and kindly waived the late fee as I was a loyal customer. When I spoke with a customer service rep in XXXX, I asked for the payment due assuming I would be noted the entire amount since I had always paid in full. Instead, I was given the minimum amount due to pay which lead to interest charges that I ultimately had to pay. Not paying my account on time also lead to minimum payments due on the purchase of a couch that I had made earlier in the year under a no payment/no interest for a year deal. It was not the minimum payment due that bothered me, instead it is the fact that I am unable to get a reliable answer from customer service at Macy 's about the accrual of interest on this couch purchase. Despite nearly an hour on the phone on XXXX separate occasions and multiple transfers, nobody can tell me if interest is applied, at what rate, and whether its daily, annual, etc. This is inexcusable!
Again this month, I have a minimum payment due ( I am trying to get an answer on the couch interest, but am prepared to close the account and pay in full due to their poor service ) and can not access the website. I recognize there are technical difficulties but when sites are unable to process payments for days at a time, a grace period or other exceptions should be in effect. I am an educated consumer with a great credit rating and find it unacceptable to be impeded in maintaining a high credit score by a non-working website and customer service representatives who are not adequately educated to assist me or find someone else to resolve the matter.
Macy 's is aware of the situation such that on XXXX XXXX they sent the attached email to apologize for the " challenges '' during their credit card website " upgrade. '' Dear Valued Cardholder, As you may have noticed, Macy 's recently upgraded its online credit servicing site, featuring enhanced security and new capabilities, such as customized alerts for managing your account, real-time account updates and a mobile-friendly design.
Unfortunately, the implementation of this upgrade may have caused challenges when accessing and using our credit servicing site, which resulted in a disruption of online servicing for many customers, as well as longer-than-normal wait times for customers calling us.
Resolving these technical issues and reducing hold times are top priorities for us. We are doing everything we can to ensure we provide you the level and type of service you have come to expect at Macy 's.
Macy 's truly apologizes for any disruption and frustration you may have experienced when attempting to access your Macy 's credit account online or when contacting Credit Customer Service. Please enjoy this EXTRA 30 % OFF ( due to length, I removed additional details of the offer ) If you need assistance or have questions about your credit account, please do n't hesitate to contact Credit Customer Service at ( XXXX ) XXXX.
We look forward to serving you now and in the future.
Sincerely, XXXX XXXX XXXX XXXX, Macy 's Credit and Customer Services Your attention to this matter is appreciated. Many thanks for all you do to protect consumers.
|
| 05/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
this complaint relates to multiple issues ( statements/data, fees, interest, customer service ) we've encountered with our Citi/AAdvantage Platinum Select XXXX XXXX XXXX
* we used to be able to see our chat history on citi.com, but citi has since removed this feature ; we do not otherwise have records of prior chats to provide.
** i have since gotten a new cell phone, and do not have access to my call history to provide you with records.
1. most importantly to us, we have not been able to get an accurate .csv export of our account data since XXXX when we export .csv files from our account, the data does not match what is reflected our our statements. we have tried to address this multiple times -- via chat* and via telephone** -- with citi. we have been told " technical assistance will call you '' but this has yet to happen.
as consumers, we deserve to have access to accurate data, and to be able to trust that citi is appropriately managing our account -- and what they report to credit agencies.
2. beginning in XX/XX/XXXX, we have frequently encountered " system issues '' when attempting to make debit card payments via telephone. miraculously (? ) these " system issues '' are resolved after the payment due date ; however, we are then charged a late payment fee and ( likely ) interest.
we both want the interest and late fees to be refunded. it's also interesting how frequently citi 's telephone system is unavailable -- and specifically for making debit card payments, which technically cost citi money.
as consumers, we deserve to be able to make our payments via the method of our choosing, within reason, and to not be charged fees because of citi 's technological issues and/or because citi is trying to recoup fees it is charged for debit card payments.
3. going back to XX/XX/XXXX, we had found fraudulent charges on our account and reported them to citi XXXX while this issue was eventually resolved, it appears that we may have been charged interest on these fees at some point -- and because we have not been able to access accurate data, we can not confirm this.
the late fees and interest charges likely carry a cumulative effect, thus costing us more money over time.
as consumers, we deserve to have fraudulent activity taken seriously and resolved efficiently, and to not pay for fraudulent purchases.
4. we have brought this to citi 's attention on multiple occasions -- via chat and telephone calls. we are never given a quick answer, rather placed on hold for a length of time and/or told that someone will call us back. to our knowledge, we have never received a phone call from citi customer service/tech support that addresses any of these issues.
as consumers, we deserve expedient service from our financial institution.
5. citi publishes on its website that consumers can " View and download statements for the past 24 months. '' however -- for us -- citi provides only *5* months of statements. where are the other 19 statements??
**** over the past three years, we have spent so much time and energy trying to address these multiple issues with citi. not only should we not need to spend our time and energy in this way, but these issues aren't even addressed let alone resolved!
my first career was in XXXX and XXXX XXXX, and with various responsibilities in XXXX XXXX and XXXX XXXX. citi 's actions here and their lack of response over time would have been completely unacceptable!
as consumers, we deserve accountability.
and, perhaps most importantly of all : if i have the privilege and access to be able to manage my money like this -- and even spend the time trying to address it with citi -- and i **still** encounter such difficulty, then how is citi treating the consumers who *don't* have the same privilege and access that i do???
|
| 04/15/2016 |
Yes |
|
- Loan modification,collection,foreclosure
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Web |
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We have been denied a modification with Citi Mortgage. The denial is not my complaint. This information is new and in addition to my previous complaint that was filed. My complaint is what we have expressed previously, along with new errors on their part that has put us in danger of losing our home. When we received the modification denial letter from Citi, it stated in one area that the information that they used in the decision making process was " letter of agreement between responsible parties - letter between XXXX individuals stating the amount of child support ''. We have never received or paid out child support. We have been married for 39 years. Where are they getting their information from. I want them to provide that letter. Another item in the letter is our " monthly gross income of all borrowers on your loan before payroll deductions or taxes '', they have listed {$8300.00}, which amounts to {$100000.00}. We have never made that amount. It is about {$20000.00} more than what we actually receive. I ask that they prove where these figures came from. We put trust in Citi that they have responsible, educated individuals going through this process for their customers. Obviously they do not. What a shame, they are messing with individual livelihood.
XXXX XXXX gave false information to our third party representative XXXX XXXX. He told we had XXXX choices, either a short sale or we could do a re-payment plan. If we chose the repayment plan we would have to pay {$11000.00} down. XXXX ( our XXXX party representative ) had a phone appointment with XXXX XXXX on Thursday, XXXX XXXX XXXX at XXXX XXXX PST. He did not hold up to this meeting and never did make contact with XXXX for another meeting. XXXX contacted Citi to arrange another meeting, only to find out that our file was no longer with XXXX XXXX no longer had our case & was transferred to a different representative. Surprise, surprise another representative. I should not be surprised. This just delays us with finalizing this process. Add 's days to the finalization, adding additional interest at our cost. This is so wrong how they have dragged this process out. We are paying for their unprofessional operation.
We always provided all requested documents in a timely manner through this entire lengthy process. Over and over because they kept changing our processors. It should be required that all documents are available for the next processor, without making the customer start over.
Something needs to be done with the way Citi has handled our account. False information, not stopping a foreclosure date when requested because our file was not complete, when it was complete, unnecessary delays, not holding up to scheduled meeting. Telling us on XXXX/XXXX/XXXX they anticipate resolving our case within 15 days. Here it is XXXX/XXXX/XXXX and finally being resolved. This shows they do n't care or know what they are doing, 10 months later we are finally at the end of resolving this.
We are behind on our payments because in order to " pre-qualify '' for a modification we had to show a need. Being current is not showing a need. So were instructed to make the next 4 payments at half of what we would normally pay, Not knowing what I know now, that put us into a foreclosure status, which then did not allow us to make payments. Just because someone is current on their loan does not mean there is not a need for help.
Citi needs to provide a copy of the letter in regards to child support and the documentation showing that our {$8300.00} as they have stated on the letter dated XXXX/XXXX/XXXX. This is false inaccurate information. XXXX XXXX provided false information. XXXX XXXX provided false information. If a consumer presents false information to a bank, they are held accountable. Should this not go both ways?
|
| 04/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
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From XXXXXX/XX/XXXX to XXXX on XX/XX/XXXX, a series of eight unauthorized transactions totaling {$2000.00} were rapidly debited from my Citibank checking account. These eight unauthorized debits reflected XXXX payments transferred from my Citibank checking account to a person identified as XXXX XXXX, whom I have never met nor heard of. These eight transactions were promptly flagged as suspicious by Citibank in the Citibank app on my mobile phone.
At the same time, I received a call from Citibank ( XXXX ) to confirm that the charges were fraudulent. I confirmed that they were, and was told a fraud report was being filed. A new Citibank debit card was mailed to me on XX/XX/XXXX, and I activated it on XX/XX/XXXX. My CitiMobile App, however, remained locked.
On XX/XX/XXXX, I phoned CitiBank in order to try to unlock my App. On that call, the Citibank rep told me that no report of the fraud on XX/XX/XXXX had been filed. She then filed the fraud report.
The next day, XX/XX/XXXX, I visited the Citibank branch at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. There, an agent unlocked my accounts and reset my Citibank App. The agent also opened a new CitiBank account for me, and advised that I close my old CitiBank account once the fraud investigation concluded.
At this point, the fraud claim investigation seemed to be proceeding properly. On XX/XX/XXXX, the fraudulent debits were tentatively reversed, and the missing {$2000.00} was provisionally restored to my checking account. On XX/XX/XXXX, I received written notification from the bank that the {$2000.00} had been provisionally restored. On XX/XX/XXXX, I received another letter stating that the investigation was in progress and that I had been given provisional credit of {$2000.00}.
On XX/XX/XXXX, however, I was notified by email that Citibank had been trying to obtain more information for the fraud investigation, but had been unable to reach me. In fact, Citibank had NEVER contacted me to seek such information, either by email or via the Citibank mobile app or by phone. Nonetheless, the XX/XX/XXXX letter requested that I immediately contact XXXX at XXXX to provide additional information, and stated that the provisional credit for {$2000.00} would be withdrawn if this information is not received by XX/XX/XXXX.
Upon receiving this XX/XX/XXXX email, I immediately called Citiphone. However, no one there knew what additional information was needed. Instead, a Citiphone agent directed me to email Citibank at XXXX to ask what information was needed. I did so immediately. However, I have received no response from anyone at that address.
On XX/XX/XXXX, I again phoned Citiphone at XXXX, to inquire what information was needed. Again, no one told me what information is needed. However, this time an agent told me to send a Fax to XXXX XXXX XXXX XXXX, which I immediately did. I have received no response to my fax.
On XX/XX/XXXX, I again phoned Citiphone at XXXX, where I spoke to an agent identified as " XXXX XXXX. '' XXXX told me that Citibank had not received my email or my fax and might claw back the provisional {$2000.00} credit as soon as XX/XX/XXXX, though he said he would try to keep the case open.
I am at my wit 's end. I am a victim of fraudulent electronic transactions which Citibank itself identified as fraudulent. After contacting me on XX/XX/XXXX and purporting to open a fraud investigation and provisionally crediting my account, Citibank has ignored all my communications about this matter and now has threatened to claw back the {$2000.00} that was stolen from my account. This is a lot of money to me. Citibank 's Web Site states that I am covered for the full amount of the fraud if unauthorized EFTs are made from my deposit account.
XX/XX/XXXX Please make Citibank live up to this promise. Thank you.
|
| 09/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I'm working with XXXX best in America mortgage company as they like to call themselves. " Economic Justice through home ownership '' as they describe themselves. I first went to the worshop on XX/XX/XXXX. Then I made an appointment for an intake for XX/XX/XXXX. After providing all requested documentation such as my husband 's pay stubs, my pay stubs, children SSI award letters, credit card statements, a {$25.00} fee, a {$34.00} fee for credit check, and many other documentation, it was all sent to underwriting. In two weeks I received the news that I was XXXX qualify so I could start home searching. I went to a second workshop for 1 hour to help us through home searching. After finding house that we liked, we put an offer of {$160000.00} and it was accepted. I did the inspection within the 7 days for {$500.00} and I gave a {$1000.00} deposit to the seller. After finding the house, completing the inspection, and signing the purchase and sales agreement, XXXX again have to do another credit check, income check, and I had to send more documents for " Credit Access '' which requires underwriting approval. Once again I was approved. My husband and I on Wednesday XX/XX/XXXX, went to XXXX XXXX, Connecticut office to meet with counselor XXXX XXXX to sign the mortgage application which was about 50 pages long. On XX/XX/XXXX, we received a lot of lender, Citibank, conditions/requirements which require us to provide more documentation such as pay stubs, bank statements, children SSI award letters, children 's birth certificates and many other documents. Everything was quiet after that although every two to three days I would ask XXXX, my closing coordinator, for updates. For the past week and a half I do not hear from XXXX or anybody. Lack of communication was a big issue because I didn't know where the mortgage process was standing. I asked my realtor to email my closing coordinator, XXXX, my counselor XXXX, and my attorney, XXXX XXXX, but did not hear anything back from any of them. My realtor and I went ahead and requested a mortgage contingency extension for another week. Still one more week and I didn't hear from anybody. On XX/XX/XXXX, the lender, Citibank, decided to denied my loan or mortgage for the simple fact that they will not count the children SSI as part of the household income. Citibank rejected my Award letter verifying SSI income, birth certificate and bank statements showing the deposits. They said that if I do not use the SSI money, my income to debt ratio will be 49.96 % and the ratio is 43 %. ( Im not sure why I wouldn't use that income! ) What I don't understand is why they don't want to count the SSI income if I was able to prove per their request that the kids are XXXX and XXXX years old by giving them birth certificates, also I provided award letters, and bank statements for the last 3 months showing that the income is receive in a regular basis in the bank account. They are discriminating my family from getting a mortgage loan just because I'm counting on my children SSI income. I don't understand how I went through underwriting twice before getting to the lender, Citibank, and I was approved those two times. I am XXXX, low-income family trying to get better and own a home. My XXXX children have XXXX and they receive Social Security for their XXXX. They are only XXXX years old and XXXX years old so they will get SSI for at 3+ years which is what they require to count SSI as income to apply for mortgage. The reason why I was able to be XXXX qualify, and then Credit Access was approved it's because I was able to prove that the kids SSI was likely to continue for the next three years by providing their birth certificates. I feel like my family and I were discriminated. Please help my family and I achieve this goal of becoming homeowners.
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| 03/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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XX/XX/2023 - I made a payment of {$650.00} to my Citi Double Cash Credit Card account from my XXXX Checking account. It took a few days to process, but there was no notification of the payment failing from Citi to me.
XX/XX/2023 - I logged into the Citi Double Cash Credit Card account and saw that I had chosen the wrong account by mistake. I immediately made a payment for the same amount, but from my XXXX checking account, which the payment was originally supposed to be made from.
XX/XX/2023 - The account was closed on my end when I logged into the account. At this point, I never missed a payment, and I paid the majority of my balance off well in advance of the statement being sent, as well as before the due date. I immediately called Citi to see what was going on, and they informed me that the account was closed because of the returned payment. As I mentioned, I was very confused because I gave them no reason to close my account based on my account history. My payment history is attached, which shows my large payments I frequently made to keep the account balance low ; my account also had no late payments. This made no sense for them to close my account, especially after I made a payment and contacted the to explain the mix-up.
XX/XX/2023 - A letter was issued to me from Citi stating that the account had a return payment and I should " make a replacement payment right away. '' By this time, I had already made a payment and contacted them regarding it. The fact that this letter is dated XX/XX/2023, after I've already made the payment that cleared my XXXX Bank, made me aware of the negligence and poor banking practices of Citi and that they were fabricating a reason to drop me as a customer.
XX/XX/2023 - I was issued a letter stating that the account has been closed because of the one returned payment. I had to wait for this letter from the customer service department because I was told it would allow me to call back to see if I was able to get the account restored. Once I received it, I gave them a call. They asked for income information to get the account restored. They did not pull a credit report during this call because they said it wasn't necessary, given the prompts the agent had on their computer for the restoring of the account. This information was sent to their team to review, and I was told to wait for a letter in the mail.
XX/XX/2023 - They issued a letter stating they were unable to open my account because " your credit report showed paid or unpaid delinquent credit obligations ''. They did not pull a credit report to obtain that information and they did not have my permission to do so. Nevertheless, anything there was on my current credit report was there before I opened the credit card with them, so the information they stated in the letter was false, and they truly had no reason to close the account.
The day I found out the account was closed, which was about 2 weeks before I received notification of the account being closed, I had no access to the account. They made me wait for letters in the mail, as I explained. So when I called them today ( XX/XX/2023 ) to get this account paid off since they were not reopening the account, I was charged a late fee for a payment I had no knowledge of. They did not send me a statement, and I was unable to access the account. I went ahead and paid the account off in full today as well.
I will be closing any other accounts with them and will never do business with them again. It has been a ridiculous journey with this company and their horrible customer service, having multiple times I was hung up on intentionally, had bad attitudes, not being transferred to managers, and being given the wrong number to speak with agents in the US. This happened more than 5 times on separate occasions.
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| 04/12/2016 |
Yes |
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- Advertising and marketing
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Web |
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I applied for a citi prestige card on XXXX XXXX based on a XXXX ThankYou points after spending {$0.00} promotion on citi site. When I received my approval letter, it mentioned about {$3000.00} spending within three months. I contacted Citi via secure message about the discrepancy. I received a reply that citi is aware of this incidence and is investigating. Since then I have called several times and sent several secure messages but I keep on getting the same reply. It has been more than three months now. I contacted citi card including citi bank CEO XXXX XXXX XXXX XXXX on XXXX XXXX. I received a call back from citi and a Secure Message ( SM ) confirming that the points will be credited to my account by XXXX XXXX. I did n't receive the points or any communication until XXXX XXXX. I contacted Citi card on XXXX XXXX. I received a message that did n't make any sense. It was referring to events outside of the issue and with no relevance to me. On XXXX XXXX, i contacted XXXX XXXX. This seems to be a scam orchestrated by citi card. I am not alone. Many customers have been affected by this and citi is giving a run around. I have attached my correspondences with citi for your reference. Now, I am filing an official complaint.
Message From : meXXXXom Subject : Thank You Points Spending requiremen Date : XXXX XXXX, 2016 XXXX EST We understand the importance of prompt, accurate assistance, and we apologize for the incorrect information you received. The resolution regarding the promotional offer to earn XXXX bonus points if you spend {$0.00} that was posted in error was scheduled to be corrected by the end of XXXX. Unfortunately, this has been delayed and the bonus Thank You points will post to your account of the end of XXXX. We apologize for any inconvenience this may have caused.
If there is any way we can be of further assistance, please feel free to contact us.
From : XXXX Subject : Thank You Points Spending requiremen Date : XXXX XXXX, 2016 XXXX EST I am upset with the current response. The person who responded was either drunk or is incompetent. My assessment is based on the following observations XXXX The person neither did read the message nor did thorough investigation. The previous response from citi SM is as follows From : meXXXXom Subject : Thank You Points Spending requiremen Date : XXXX XXXX, 2016 XXXX EST We do not have an exact date on when the issue will be resolved ; however, the bonus Thank You points should post to your account by the end of XXXX. If there is any way we can be of further assistance, please feel free to contact us. - The promotion was for citi XXXX, there was no mention of citi preferred. But, the current response many times refer to that - I applied for citi prestige on XXXX XXXX, the day the promotion was published in citi website. I know I dont have a citi preferred card. Hence, it is of no use to mention it in the response. Because, I know what I was doing. I would expect a response from you within next 3 hours failing which I will escalate this matter.
From : meXXXXom Subject : Thank You Points Spending requiremen Date : XXXX XXXX, 2016 XXXX XXXX Unfortunately the offer to earn XXXX bonus ThankYou Points for {$0.00} spending was inadvertently made public for the Citi ThankYou Preferred Card account. Our records do not indicate you have a Preferred Card account in your name and therefor your Citi Prestige Card is not eligible for this offer.
Your account is enrolled in the promotional offer to receive XXXX bonus ThankYou ( R ) Point ( s ) as long as you spend {$3000.00} by XXXX/XXXX/2016.
Please allow 1-2 billing periods after you have made the necessary purchases for the points to appear on your statement. If they have not appeared after that time, please call us. For your convenience, our number is lis
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| 12/02/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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The below complaint was marked as duplicate to avoid addressing/resolving it, previously submitted to CFPB numerous times prior. The disputes department with Citibank has a habit of claiming non-receipt of information sent to them numerous times including via fax, email, postal mail. This is the case with dispute filed for purchase amount of {$800.00} to a merchant in XXXX, XXXX XXXX XXXX XXXX. The package containing item, a XXXX XXXX XXXX, was lost/stolen and reported to the carrier, XXXX.. An investigation made, XXXX was unable to locate package and advised me to have merchant file claim for loss.. I emailed the merchant numerous times, their rep by the name of XXXX replied stating XXXX is still investigating, well after their investigation was complete and advised to have merchant file claim.. I attempted to explain this to XXXX, numerous emails back and forth, nothing resolved.. I then disputed transaction with Citibank, information was sent numerous times via fax, email, postal mail. As per usual, their disputes dept claims non-receipt of information which is suspicious as it was sent three different ways ... It appears one of the documents was later received as a temporary credit was issued, later reversed in XXXX as again, disputes dept claims they did not receive additional information requested ... First, all information was provided in initial documents which a rep in disputes team verified.. Second, there was no request made for any additional information. Citibank has attempted to refer me back to XXXX and or merchant for resolution ... XXXX does not refund, the merchant has stopped replying to my emails.. It appears Citibank will not pursue this matter further, despite their suspicious behavior of claiming non-receipt of documents sent three different ways including email, fax, postal email..The merchant should have been refunded by XXXX, they do not refund directly. The merchant has stopped replying to my emails, they are located in XXXX and it appears they are now attempting to scam me ... I have copied complaint below..
Citibank disputes team is claiming non-receipt of information sent to them three different ways including, email, fax, postal mail. The information sent includes estimated delivery date of item, XXXX tracking number, item ordered, as well as attempts at resolution directly with foreign merchant located in XXXX. As per usual, Citibank claims they did not receive information at all or not in time to further dispute charge which is in the amount of XXXX The information was sent three different times, through three different channels as stated before including email, fax, postal mail ... Their disputes reps stated a fax was received, a temporary credit issued thereafter.. This credit was later reversed claiming they did not receive additional requested information which again, is a recurring theme with Citibank.. CFPB complaints were filed about this issue and credit reversal, Citibank rep referred me back to XXXX whom does not refund and will refer me to merchant in which case, they stopped replying to my emails after charge back filed ... Needless to say, both parties can not resolve issue as first off, XXXX does not refund and any refund would come from the shipper which is the foreign company located in XXXX and no direct number to reach out, does not reply to emails.. If Citibank lost information sent to them three different times through three different channels, that is their error ... In case it was not received in time, please note, it was sent several months back and I have no control over postal mail. However, email and fax are received the day sent and can not be counted as late as it is the day of ... I request Citibank research their records, referring me back to merchant and or XXXX will not resolve this
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| 05/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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A payment was due t o CitiBa nk on XXXX for {$99.00}. Prior to that date, I tried several times to make the payment online. I have always been successful with their online payment system - never any issues but in XXXX , I received this error message 'Sorry, this feature is temporarily down '. So, I tried again a few times. Lost track of the dates and on XXXX XXXX I tried one last time and got the same message so I sent an ECheck through my Credit Union i mmediately. Please see attached bank activity repor t Page 1. In retrospect, I should have called CitiBank right away but I was just too busy and not prepared to be on hold for so long. Already frustrated with their online system, I figured they were aware of the issues and would not charge me a late fee if it did arrive late. I still had a day! I thought that was that and never heard anything from CitiBank - no e mail ; no statement so on XXXX XXXX , I went online to make sure payment was received and all was ok. I noticed I was being charged a late fee of {$26.00}. I called immediately and explained why the XXXX XXXX payment was late. Told the rep about the error message I was receiving and I was told it was because a new card was sent to me and was not activated. Never received that card either. Well, then why did the error message not say that? And why did I not receive any notification that I owed a late fee? Regardless, they refused to waive the late fee after being a customer for over 10 years and never ever making a late payment. And now I have a lost-card floating out there somewhere. So, I asked to have my account closed and to pay any fees I owed with her ( sorry, I do not remember her name - did n't think it would come to this ) Fee were paid on XXXX , over the phone, in full - so I was told and my account was closed. See Page 2 & 3 a ttachments. Payment cleared XXXX Page 4 attach ment shows the only email I received since XXXX , saying that I owed 2 more lat e fees. Of course, I called immediately and asked to speak to a manager. He info rmed me that I owed XXXX because I paid my late fee late on X/XX/17 instead of XXXX and now it was X/XX/17 ( see date of email ) and now I owed another late fee. Again, why did I not receive any other emails or statements? The only statement ever received since XXXX is Page 5 atta chment which was received on X/XX/17 , after the email on XXXX and after the due date of X/XX/17 ! He insisted on me paying these fees despite the system issues ; despite the fact that I was on the phone with a REP on X/XX/17 asking to pay my account in FULL and despite the fact that I was clearly a responsible customer who had always paid their bill. I believe that he was upset that I closed my account and this was retribution for doing that. I told him I would never ever pay this bill. My account continues to accrue late payments and interest - can they get away with charging me XXXX each month for the rest of my life? My credit is stellar - above XXXX . I have never ever made a late payment on any of my trade lines. It is obvious that I am a responsible consumer and credible in my complaint here. I took full responsibility for making my XXXX payment late and I paid that fee and even asked if anything else was due before closing my account and was told no, everything is closed and complete. So, as an act of retribution, they decided to start charging me additional late fees - that is the only thing that makes sens e. Plus, the y should be held responsible for not having a working website. They ca n't be allowed to promise a feature that a consumer depends on and then not allow it to work!! That 's fraudulent advertising and almost entrapment. Thanks for hearing me out.
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| 03/22/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Older American |
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On XX/XX/XXXX I took an email solicitation ( attached ) to the Citibank XXXX, IL branch to open a Citigold account and earn XXXX AAdvantage Miles. There was no minimum deposit requirement. However, Personal Banker XXXX informed me that also making a deposit of at least {$50000.00} would earn an additional {$500.00} cash bonus. I deposited {$54000.00}.
XX/XX/XXXX I left a message asking that he send me something to confirm the promise of the AAdvantage Miles and the {$500.00} bonus for my records. I received no response, so followed up with an email ( attached ) which was n't answered, so sent a second request ( attached ) on XX/XX/XXXX. That afternoon I received an email ( attached ) from XXXX as : " Hello, Hopefully this e-mail will serve you as plenty of evidence sir, and as far as the Aadvantage card promo you have the offer that was sent to you by mail.
If I may help you with anything else please feel free to call contact me@XXXX. " XX/XX/XXXX My Citigold account showed the {$500.00} bonus had post on XX/XX/XXXX, but the AAdvantage Miles had not yet been credited.
XX/XX/XXXX I called Citibank Customer Service and asked why my AAdvantage Miles bonus had n't posted. She checked my account and said I 'd met all requirements and the bonus should be there by mid XX/XX/XXXX.
XX/XX/XXXX I again called Citibank Customer Service about the AAdvantage Miles and was transferred to the branch. They said they would research, but never called back.
XX/XX/XXXX I Called Customer Service again and he said he 'd do some research and call back. I complained that I 'd not been getting calls returned and he said he 'd call back before the end of day. He called and said he was still researching and would call back tomorrow. He also never called.
XX/XX/XXXX I called the Citibank XXXX, IL branch for a status. I gave up after over 10 minutes on 'hold ' and called the Citibank Customer Service . Representative XXXX opened a 'case ' and said I should hear back in 7-10 days.
XX/XX/XXXX I received an email notice ( attached ) that I wo n't get the XXXX AAdvantage Mile bonus since I got the {$500.00} bonus and there can be only one bonus per customer. I called and explained that I had been promised by the branch Personal Banker the AAdvantage Mile bonus for opening the account plus, additionally, the {$500.00} bonus for also making the {$50000.00} deposit. The customer service representative said the policy is just one bonus. He transferred me to a 'supervisor ' who suggested, since it was the branch that made the promise, I take my complaint to the branch.
XX/XX/XXXX I went to the branch and XXXX agreed that he believed I should get both and would file an inquiry with his organization. I told him I 'd be in Washington State visiting family until XX/XX/XXXX and he could email or phone me a status or resolution as I monitor both when traveling. He did not email or call.
XX/XX/XXXX I returned home and visited XXXX at the branch. He said he 'd received the same response that it was Citibank policy that only one bonus can be awarded. I suggested that he and his Branch Manager, XXXX, consult with their Area Management to override the 'one bonus ' corporate policy in light of the fact that they, at the branch, had made this promise. That evening I received an email ( attached ) from XXXX asking for my XXXX AAdvantage number.
XX/XX/XXXX and XX/XX/XXXX I left phone messages, asking for a status on XXXX phone, but received no return call.
The Citibank policy of allowing only one bonus should not ameliorate an unsolicited promise by a Citibank Personal Banker of a bonus of XXXX AAdvantage Miles for opening the account and an additional {$500.00} for depositing {$50000.00} into the account. I 've met my obligation, thus I 'm requesting that Citibank honor theirs.
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| 04/19/2016 |
Yes |
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Web |
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My purse was stolen on XXXX XXXX, 2015 at about XXXX XXXX containing my wallet with my credit cards. At that time I was not aware my Macy 's card was in the wallet and that is why I did not notify customer service to cancel the card.
On Monday XXXX XXXX I received a phone call from a representative from Macy 's of suspicious activity on my card with purchases made online. I informed the representative that I was robbed and my card was in the wallet. He stated he will cancel the charge, cancel the card and would issue a new card.
On XXXX XXXX, 2015 I received my XX/XX/XXXX statement with the amount of {$430.00} on purchases made on XXXX XXXX at XXXX at Macy 's store from XXXX XXXX XXXX. On the same date I called customer service and explained to the representative that my card was stolen and I have not made those purchases so the representative stated he will cancel the charges. I thought this problem was taken care of as I have spoken to XXXX different representatives on XXXX occasions but on XXXX XXXX, 2015 I received the XX/XX/XXXX statement with the same charges on my account plus late fee of {$25.00} and interest of {$10.00}.
On XXXX XXXX, 2015 I sent a letter explaining the situation to the Department of Fraud along with the Statement of Fraud and the Police Report number. I have received a confirmation letter from them on XXXX XXXX, 2015. Then on XXXX XXXX, 2015 I had to fax all the above information to the Fraud Department as they had claimed they have not received any documents from me. But I have the postoffice confirmation signature on XXXX XXXX, 2015 as well as their confirmation letter on XXXX XXXX, 2015.
Since XXXX 2015, every month I have been receiving my statements with late fee charges to the Macy 's account even though every month I have been contacting the Fraud Department and have been explaining the whole situation to a new representative each time. I have been assured each time that this problem will be taken care of.
XX/XX/XXXX I have finally found out from a representative the claim was never set up in their system and I was promised once more than in 2 -3 weeks I will be receiving a clearing letter. Two months later and no clearing letter but a new statement from Macy 's department arrived along with phone calls from collection department. I had yet another conversation on the phone with yet another representative who stated he will update the status on my claim. Today, after 7 months this process started, I have received a letter from the Fraud Department stating they could not accept my claim as a fraud claim based on the information provided.
It is unacceptable to consider this investigation failed and I question the Fraud Department for not demonstrating due diligence in their investigation process.
Consumer protection law was broken as the Macy 's store cashier did not verify proper identification when presented with a Macy 's credit card ( I would n't have been in this situation if the cashier would have done their job in the first place ).
Macy 's store could have used their camera to identify the person who made the purchases and verify against my ID card.
I have always paid all my credit cards in full and on time therefore my past credit history should carry weight for establishing my credibility when considering this situation.
The Fraud Department representatives assured me time and again they will put a stop to the late fees and interest during this investigation as it is standard procedure, but they failed to do so. As a result, my credit score has been drastically affected.
It took 7 months to get an answer from the Fraud Department, months which caused mental and emotional stress having to spend hours on the phone to clarify the situation as well as the stress caused by the collection department.
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| 08/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.
As a federally protected consumer, I am making this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for committing identity theft. I have never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my failure to dispute the validity of the alleged debts shall not be construed as an admission of liability pursuant 15 USC 1692g ( c ). As of 8XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any right to collect on this alleged debt.
I have never received any documentation requesting validation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, before they committed multiple violations under FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, can not provide me proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall be held accountable for actual damages caused, and shall be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 09/26/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
|
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Web |
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On XXXX XXXX, 2017 my Citibank debit card was stolen and used without my awareness by an unauthorized party not long after I made an atm deposit into my checking account at a local Citibank branch. My debit card was used in what I was told was multiple unauthorized atm transactions totaling the sum of {$2400.00}. I am not able to list the exact amounts of the transactions because I have been restricted from my online banking following this incident and have been unable to receive sufficient information from Citibank representatives. I was notified via a Citibank alert of suspicion of fraudulent transactions on my account. As soon as I received the alert I immediately called Citibank to report the issue to their fraud department. I was told to file a dispute, which I did and and the Citibank representative told me there would be a 10 business day investigation conducted in which time Citibank would use to process provisional credit. I made numerous contacts to the fraud department following this day in order to keep up to date with the matter and give any other information they felt was relevant to it. I believe three days after filing my dispute I spoke with the investigator handling my case named XXXX. XXXX asked me a series of questions regarding the day of the incident, my most recent transactions, and any relevant information I may have about who made the unauthorized transactions on my account. Concluding our conversation, the investigator XXXX, informed me he would have the investigation finished within the week. After 72 hours of no follow up call or update from Citibank I called them to question the status of their investigation. I was then told by representatives I would have to wait the 10 days as previously mentioned by the representatives and that they would have an investigator call me. I mentioned that I had already spoken with their investigator, XXXX. The representative told me that was n't possible because they had n't sent my case to him yet, and they would have someone get in contact with me within 48 hours. After 48 hours I again received no form of contact from Citibank and decided to get in contact with them myself. In my phone call to Citibank their fraud department informed me my claim was being denied verbatim, '' because my set pin number was used in the transactions transactions disputed therefore you must have authorized them ''. So even after promptly reporting the issue, calling consistently to give as much information as possible, and waiting their given time and incurring late charges on my bills my claim was denied. After being told my dispute was denied I demanded to speak with the highest level supervisor I could reach and was instructed to file another dispute. As instructed to I urgently filed another dispute with Citibank on XX/XX/XXXX. I have called Citibank every day since the day I filed my dispute to keep up to date and to resolve the matter in an urgent manner as I have been and am being negatively impacted by the situation. In every conversation with Citibank agents I have been told the investigation is still being conducted and to wait 10 business days again. Today on XXXX XXXX, 2017 I was informed Citibank would not change their decision from the last dispute because my pin number was used and i should 've been more careful with my pin number that my dispute was being denied. So after trying to resolve the dispute with Citibank 's fraud department, I was again instructed to file a third dispute which I filed today, XXXX XXXX, 2017. The reference numbers for my current dispute is XXXX and XXXX. I have been patience and non belligerent and non combatant with Citibank and its agents. However, their failure to handle my situation reasonably and lawfully has be-thrown my faith in Citibank 's proceedings.
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| 02/26/2016 |
Yes |
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Web |
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Please be patient, I 'm XXXX Dear CITI BANK & to whom it may concern regarding a cover up by Citi Bank with regard to my ( XXXX account ) I have proof of fraud charges added to my account without " MY '' knowledge, XXXX XXXX bank 's refusal to send me " itemized statements '' of where a charge was made? what merchant? when/date?, Has denied me access to my past statements in Itemized form only a month & a Lump sum $ amount I owe!!?? This is a cover up and refusal to comply. I 'm asking for legal action by Consumer Fraud protection, Credit Fraud FBI department, XXXX DA 's office & any other banking regulation department that prevents bank fraud, scamming, & cover up.
I have the proof against CITI BANK, and any agencies refusing to take action to prevent Citi Bank from this continued covering up of fraudulent charges, that I have suspected since receiving a letter from the FEDERAL GOVERNMENT agency called XXXX XXXX XXXX or XXXX, Informing me of a cyber attack on the Government and that MY INFORMATION WAS LEAKED!! Everything from where I was born to ss # to all my bank accounts, info etc.
Since that letter of indubitably a huge apology to me and my family for allowing this, XXXX offered me & my family free, for there mistake of leaking this info & lack of Firewall protection, and accepted the free service for life for a company ( paid for by TAX dollars for there mistake XXXX 's ), that a credit and identity monitoring service be put in place at there expense, but that I to should keep a constant look out for fraud charges.
This occurred or was identified by ( XXXX ) approx. XXXX XXXX. Therefore I started reviewing bank statements and credit card charges only to find multiple Fraud charges with XXXX, XXXX bank, XXXX Bank XXXX XXXX, etc. and all banks cooperated and removed multiple fraud charges. The only bank refusing to provide multiple requests for itemized past statements was CITI BANK VISA CARD!!! To this day every week I call Citi bank and request full itemized statements and email them ... But told it would be mailed and never received.
So I will prosecute and find all agencies and CITI BANK will pay for my damages. All agencies that have any authority in credit fraud, consumer protection or abilities to stop this, but look the other way, will also be prosecuted for a position in power to prevent harm to others and stop criminal acts, such as Citi Card is doing to me and my family. To ignore this scam, fraud, or cover up will be considered as Aiding and abetting in CITI Banks power to commit this illegal activity against me.
So I ask, Please contact me, by email or phone so that I may resolve this damage caused originally by ( XXXX ) but Citi bank is using its power to prevent me from disputing charges by not showing clear past itemized statements I 've asked for XXXX.
I have proof and emails and phone calls to your bank of my multiple request 's for 12 months back from XXXX XXXX XXXX & earlier as much as XXXX XXXX XXXX for your office to cooperate & go back and print out as requested " ITEMIZED STATEMENTS '' not a $ XXXX for that month!!!, BUT Itemized!!!, where charge occurred? When charge? Amount by what merchant?
It is fully documented you lost them as was told by a customer service rep when called, Your Bank can Only provide lump sum $ amount for each month. ( Thus not allowing to see where charge was made or dispute a single charge by clumping into " ONE '' lump monthly bill amount ... .Zero details ... .THIS IS FRAUD, COVER UP and demand a dispute of all charges from XXXX XXXX XXXX back to the XXXX of XXXX XXXX DISPUTE ALL CHARGES AS I WAS A VICTIM OF IDENTITY THEFT AND YOUR BANK IS REFUSING TO COOPERATE IN FILTERING OUT FRAUD CHARGES BY NOT ITEMIZING THE MONTHLY CHARGES!! PURE FRAUD AND COVER UP but strange there NO dates
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| 05/11/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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In XXXX, we began working with CitiMortgage to modify our mortgage loan. At that time, we were having difficulties making the monthly payment and they suggested the payments be adjusted by modifying the terms of the loan. We agreed. We then began the process of providing them with various and assorted documents that they requested. During this time, we were in constant contact with CitiMortgage personnel. We were assigned an individual to work with and we spoke with that person almost weekly.
Sometime at the end of XXXX, we received communications from the Legal Department at CitiMortgage regarding their beginning foreclosure proceedings. We brought this up with our contact and were told not to worry about it, that modifying the loan would resolve that problem. So, we did n't worry ( stupidly ) about the foreclosure and continued to work towards modifying the loan.
Late in XXXX, we began making trial payments that we were told would be the new monthly payment amount. We made three trial payments via automatic withdrawals, and then another five payments via automatic withdrawal. Then CitiMortgage stopped withdrawing the payments. We discussed this with them and subsequently made three more payments via phone. Suddenly, CitiMortgage returned those payments to us. When we asked about this, we were again told not to worry about it and to not make any more payments until the loan modification had been finalized and approved.
Early in XXXX, CitiMortgage told us our modification had not been approved because there was one form we had failed to return to them. We advised them that we had not received that form and when they checked their computer files, they admitted they had made a mistake and not sent the form. This necessitated beginning the modification process all over again. Again, we were assured that as long as they were working on the modification, foreclosure would not proceed.
Well, foreclosure did proceed and we have lost our home. We did everything CitiMortgage asked us to do. We trusted that the people we were working with knew what they were talking about. Additionally, while they say they served notice about the foreclosure, we have no recollection of that occurring, nor do we have the notice that was supposedly served on us, but it is a case of " they said, we said '' with no proof on either side. We understand that before foreclosing on an FHA insured mortgage, there was supposed to be a face-to-face meeting with an FHA representative to see if there was a way to resolve everything without foreclosure. That never took place, either.
To truly rub salt into the wound, the last contact we had with CitiMortgage we were assured that the next step would be our receiving a letter from the attorney handling the foreclose advising us that we had thirty days to vacate the property. That letter never came and the sheriff appeared this morning telling us we had 24 hours to vacate. We had been packing up our belongings and were in the process of locating someplace to rent, again, relying on what we were told by CitiMortgage. Now we have no place to live and have to pack up 15 years of belongings and XXXX children and figure out where we are going to sleep after today.
While we understand we share responsibility in this entire situation, we also feel that CitiMortgage was talking out of both sides of their mouth - telling us on one hand not to worry about having our house foreclosed while the Legal Department was going full speed ahead. We had no reason to believe that while they were accepting payments from us, they were also proceeding with foreclosure. Our contact was an authorized agent of CitiMortgage and we should have been able to rely on what they were telling us. CitiMortgage should have to be held accountable for their actions,
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| 05/01/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I applied for a new Citibank checking account in XX/XX/XXXX under an advertised promotion ( Promotion XXXX ) whereby I was to receive a {$400.00} bonus if I ( 1 ) made a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account within 30 days after the date the account was opened, and ( 2 ) maintained a minimum balance of {$15000.00} for 30 consecutive calendar days following the date I made the qualifying deposit. After applying for the account, I received a letter from Citibank, dated XX/XX/XXXX, that Citibank was " in the process of completing [ my ] application, '' but that the application was " incomplete '' and that it needed additional documents to " complete the process. '' The letter arrived when I was overseas on my honeymoon. As a result, I did not see the letter or provide the additional information until on or after XX/XX/XXXX when I returned to the United States. After providing the additional information, I contacted Citibank by phone to try to find out my account number so that I could access my account and make the qualifying deposit. I was told I had to wait until I received an ATM card to do so. Despite assurances that one was being sent, it never arrived. I was forced to call back several more times. After repeated attempts, an ATM card was finally sent to me on approximately XX/XX/XXXX. After receiving the ATM, I immediately accessed my account for the first time and initiated an electronic transfer of {$15000.00} ( from an outside bank ) to my Citibank checking account on XX/XX/XXXX. I received an acknowledgement from Citibank on XX/XX/XXXX that {$15000.00} funds were being transferred. ( According to my Citibank account statement, the funds were not actually credited to my account until XX/XX/XXXX, which is still within 30 days of when the account was actually opened and days within Citibank first gave me access to the account. ) My initial {$15000.00} deposit has remained in my Citibank account from XX/XX/XXXX to today 's date. I contacted Citibank again in late XX/XX/XXXX after the funds had been on deposit for over 90 days to inquire about the promotion bonus. I was not told of any alleged issues with my qualification for the bonus. Instead, I was told I would need to wait for my XX/XX/XXXX statement for it to appear. After the bonus was not paid in XX/XX/XXXX, I again contacted Citibank to make an inquiry. In response to my inquiries, I received a form letter stating that " your account does not qualify for this promotion because the required deposit was not made within the stated timeframe '' -- i.e., within 30 days after the account was opened. After further communications with Citigroup, I have learned that Citibank considers the account to be opened on XX/XX/XXXX when I first applied for the account online. This reasoning is demonstrably false. As discussed above, XXXX sent me a letter on XXXX XXXX, stating that my application was still in process and that the account had not yet been opened. Moreover, I made the required {$15000.00} deposit within 30 days of when the account was actually opened sometime later in XXXX. Further, even assuming the account was actually opened on XXXX XXXX ( and it was not ), I actually submitted a {$15000.00} electronic transfer on XXXX XXXX -- within 30 days of XXXX XXXX -- and received an acknowledgement from Citibank of that XXXX XXXX transfer. Finally, and perhaps most ironically, Citibank made it impossible for me to deposit any money in the account any sooner because it delayed until early XXXX XXXX to send me an ATM/debit card. Until that time, I was not given an account number, online access to my account, or any other information regarding the account, and thus lacked any ability to deposit any funds.
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| 04/22/2015 |
Yes |
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Web |
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This is in reference to a CITBANK AAdvantage Platinum Select Card. I was charged for a payment protection plan I never agreed to, after several attempt and after being told it would be removed from account, it was not and continued to be charged and accrued on my account. This plan was provided represented by the credit card company, as it was being charged it was essentially cancelling the effectiveness of any min. payment ever satisfying the account. After years of paying the min. payment the primary balance had never moved and in some cases caused account to go over-limit and causing XXXX to be reported and charged additional fees even though min payments were being made. So basically the min payment was not structured to at any point provide relief from this debt. It is my understanding that a min payment is by law required to be structured to eventually pay down the balance in a reasonable amount of time. In this case if I had left the account run as it sat it would have literally never paid itself off with min payments. After speaking with card company after the XXXX time the added protection plan was removed from the account and was told the total amount of charges and any and all accrued finance charges would be credited to account within 10 days. This was on XXXX/XXXX/2015. I received a letter date XXXX XXXX saying they were trying to reach me when no such attempts to call were initiated and then a letter date d XXXX/XXXX/2015 saying the protection plan was removed from account. I called on XXXX/XXXX/2015 to hear the account was closed without explanation and when asked why and when as the account was always current, I was told it was closed so long ago she can not view the reason or the date of that event. I asked how would it make any sense to be charged a protection plan on an account that I have no access, use or benefit of, have not charged on for years, have no statements for and was given no answer to that. I was now being told that the refund of the plan that should not ever been on my account would not take 10 days but 30 days and when it was approved it would hit the billing cycle with XXXX-XXXX billing cycles. I explained so I will be charged interest and so on while this is being resolved. Again I reiterated how is it that account be structured in a manner that it will be NEVER paid off and had no answer and essentially was being treated with no concern for my concerns. It is my position that if the improper charges were never placed on account and a minimum payment schedule was applied to the account the account would have been satisfied already. I was basically told they did not understand and had no willing ness to review the account to reconcile. I explained my position was I wanted the account reconciled and I would pay off the amount legitimately owed on the account but would not pay for charges I never agreed to and for a accounting error on their end calculating the min payment t in manner that would never satisfy the account. My position is their action on the phone and documented violate the laws that govern how responsible credit card agencies handle their customer and they should be investigate .for such violation in my case and globally if seen fit. It is my position that these deceptive practices are not a simple mistake but a strategic business practice that violates the law and allows this company to unfairly burden credit card holders in a manner that would NEVER provide relief form debt. I hope this is an isolated incident but if it is not I encourage others to review their accounts for inaccuracies and take the necessary steps to protect their financial interests and put this company Citi Bank CitiBank, Citi Cards on notice. Their address is CitiCard Customer Service Center, XXXX XXXX, XXXX XXXX, SD XXXX
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| 08/28/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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Notice, it is a fact, I, the affiant, is a consumer and a natural person in accordance with 15 U.S.Code 1692a ( 3 ).
Notice, it is a fact, I, the affiant was told, I owed an alleged debt proven by EXHIBIT ( 2 ). This is a violation of 15 U.S.Code 1692b ( 2 ).
Notice, it is a fact, affiant is aware, that XXXX XXXX XXXX has wrongfully accused I the affiant, of a crime which is a violation of 15 U.S.Code 1692e ( 7 ) and has proof EXHIBIT ( 2 ).
Notice, it is a fact, affiant has reason to be believe and do so believes, THE HOME DEPOT in accordance to Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ) Notice, it is a fact, on [ XX/XX/2021 ] I, the affiant, have sent a notice of dispute on the validity of this alleged debt to XXXX XXXX XXXX. During this time it is required for all debt collectors to cease all collection activity including any previous furnishing of the dispute information until the dispute is resolved. XXXX has proof in EXHIBIT ( 2 ) this debt collector not only did not remove the account, XXXX XXXX did not report a notice of dispute. This is a direct violation of 15 U.S.Code 1692g ( b ).
I do not believe this debt is accurate or is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. You will forthwith return and transmit your written evidences of your delegated authority to represent that you XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on XXXX XXXX, together with a certified copies of signatures contract between you and consumer name, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing consumer name private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation forMonetary damages. Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX
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| 06/26/2015 |
Yes |
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Web |
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I am writing in hopes of clearing up a serious error currently listed on my credit report.
On XXXX XXXX, I received a letter regarding a Master Card Account ( XXXX through Best Buy, now with CBNA ). The letter stated that I was seriously delinquent ( 90 days+ ) on payment for an annual fee for this card. Believing this to be an error, as the card had, to my knowledge, been closed for some time, and this was the very first correspondence I had received on this matter, I immediately contacted their customer service division. Things went immediately from bad to worse. According to them, not only was I past due ( now to the tune of {$190.00} with interest and penalties ), they had reported this to the Credit Bureaus after ( according to them ) several attempts to contact me. INSISTING that this letter I received on XX/XX/XXXX was the very first letter I had EVER received, customer service then told me that all prior correspondence had been sent by e-mail. When I asked what e-mail address they had on file, they indicated it was XXXXXXXXXXXX the e-mail address which was closed upon my resignation from my job in NJ back in XXXX 2011. Over and over again, they insisted that not only did they send the notices to this address, but I had CONFIRMED this to be my address within the past year. At that point, I demanded to speak with a manager. The manager, while confirming that the e-mail address had not been functional for nearly XXXX years, and that it was, in fact, IMPOSSIBLE for me to have confirmed a non-existent e-mail address with my former employer, then told me that there was nothing they could do about the past due fees, nor about the negative reports to the Credit Bureaus. At that point, I requested a call back from their supervisor.
On XXXX XXXX, I received a call from a manager ( XXXX ) who, finally, began to understand everything that was going on. Not only did he waive ALL past due fees, including penalties and interest charges, but he indicated that he would have a letter sent to the Credit Bureaus clarifying that this never should have been reported. Additionally, he requested that ALL personnel involved with the conversations and correspondence with me be " re-trained '', as he was clearly embarrassed by their actions, and sincerely apologetic for everything that had transpired. As I told him, my concern was not the {$190.00}. My concern was the mark ( s ) now on my Credit Report ( s ). Today, we received a letter from CBNA acknowleding that they absolved me of the annual fee, but will not change the information reported to the credit agencies. Hence, a 90 day delinquency remains on my report.
As you can clearly see on ALL of my Credit Report ( s ), NOT XXXX, in seven years of reporting, is there even XXXX late or missed payment. None. XXXX. My wife and I have worked tirelessly to maintain good standing with the Credit Bureaus. Granted, our debt-to- income ratio is higher than we 'd like it to be, but that it due to my spouse being out of work for the past year. But even with that circumstance, we have never, nor would we ever, be delinquent with a payment. Under NO circumstances. But ESPECIALLY for a {$59.00} annual fee?!? Jeopardize our ability to get a mortgage next year, with a XXXX son with us now?!? Never.
I am seeking your assistance, your humanity, and your kindness with getting this matter resolved ASAP. My credit score has plummeted due to this mistake, and I am beyond scared about the impact it will have on our ability to secure a good mortgage in the next XXXX to 12 months. If you have any questions or require any additional information, I can be reached at ( XXXX ) XXXX or by e-mail at XXXXXXXXXXXX. Thank you in advance for your anticipated assistance with this very, very serious matter.
Respectfully submitted, XXXX XXXX
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| 11/23/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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On XXXX/XXXX/2016 I found out that my wallet was lost or stolen. I immediately contacted the banks to block my cards. I found out that they were some unauthorized transactions from my debit cards from XXXX and Citi bank. So I filed the disputes with the banks. After the investigation, XXXX approved my claim as they found out that they were unauthorized.
I had no news from CITI bank and there were nothing deposited in my account. On XXXX/XXXX/2016 I called the bank to find out about my claim and to my surprise I found out that they canceled the case as they were missing some documents. Nothing was requested from me and nobody contacted me from CITI bank. They requested over the phone they need some proofs from me that it was not me and that I was in another state. Immediately I fixed them all necessary information and documents photos, bank statements etc. I On XXXX/XXXX/2016 I faxed them also the resolution letter from XXXX approving my claim. I filed police report too. On XXXX/XXXX/2016 they sent me a decline letter saying -- We believe that the transactions that comprise your claim must be considered authorized and as a result we are unable honor it.
-- You are entitled by law to obtain copies of the information used in our investigation. Please note, we do not routinely use ATM video in our research.
on XXXX/XXXX/2016 I immediately contacted CITI bank and complained about their poor service as nobody contacted me regarding my claim, on XXXX/XXXX/2016 they canceled the claim without requesting anything from me, plus I found out that some of the dispute department employees see my documents faxed but some confirmed that I had never sent anything to them. as they were experiencing some technical difficulties. I was advised to send same documents one more time with an appeal letter that I did.
see below the appeal letter XX/XX/2016 Attention to Citi Bank Centralized Dispute Unit I am writing to request a review of a recent decision of XX/XX/2016 regarding my claim XXXX XXXX I lost my wallet and disputed all unauthorized charges from my Citi bank debit card on XXXX/XXXX/2016.
After 20 days, I contacted you and found out that you were cancelling the dispute as you were missing some information ( nobody contacted me or requested anything from me during that period ). On XX/XX/2016 I faxed all necessary information that were requested via phone by Citi dispute representative regarding my travel to XXXX XXXX. I faxed all documentation XX/XX/2016 to XXXX number. On XX/XX/2016 I faxed resolution letter from XXXX XXXX XXXX to XXXX number that the charges from my XXXX debit card were unauthorized and they closed the claim in my favor. Then I filed the police report.
During these days I have received no communication from your bank till XXXX XXXX with my first Citi bank statement and my claim decline letter.
I am appealing this decision as it is not fair and it is against The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) otherwise I have to file a formal complaint to Consumer Financial Protection Bureau and make my issue public.
Credit Card Loss or Fraudulent Charges Under the FCBA, your liability for unauthorized use of your credit card tops out at {$50.00}. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you did n't authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use.
ATM or Debit Card Loss or Fraudulent Transfers.
If you report an ATM or debit card missing before someone uses it, the EFTA says you are not responsible for any unauthorized transactions. If someone uses your ATM or debit card before you report it lost or stolen, your liability depends on how quickly you report it : XXXX
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| 01/21/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Citi Cards lowered the credit limit many times since I got the Citi Diamond Preferred Credit Card. There was no valid reason because I had never missed a payment. One of the excuses they wrote on the notice mentioning that they lowered the limit, was that I had spent a high debt-to ratio amount. This is false because they were lowering the limit to get it closer to the amount I had spent, then falsely accusing me of spending too close to the limit. These two injustices on the part of Citi Cards, lowering the limit, then reporting me for spending too close to the limit caused me a lot of financial losses as I was starting my XXXX XXXX XXXX self-publishing business and was depending on my promised available credit to pay for the start-up costs of establishing the business. So, upon finding out that the amount on which I was depending had disappeared, I started applying to borrow from other sources. My applications for a XXXX loan were all declined because Citi Cards ' false reports had brought down my credit score from Excellent to poor. And the only credit cards who allowed me to borrow more were at an interest rate of over 35 %. Citi Cards caused my credit score to go from XXXX ( the highest possible ) to XXXX in the Poor category. Plus, I had budgeted for a schedule of payments that I could afford, but when Citibank brought down the credit limit to less than what I had already borrowed, they not only lied to the credit bureaus that I spend above the credit limit, but they added the difference they went below my borrowed amount ( in this example {$70.00}, Exhibit Three ) to my monthly payment thus more than doubling the monthly payment ( see Exhibit Three again ) and including the total in the MINIMUM DUE to make it mandatory to pay it right then. This is clearly and obviously a case of stealing money by forcing the borrower to pay for a reason that they caused themselves. And the false report that I spend above my allowed limit lowered my credit score even further, caused more of my credit applications to be declined, AND ADDED TO THIS, the more one applies for credit, the lower the score goes down. THE TRUTH IS THAT I HAVE NEVER SPENT ONE CENT ABOVE THE AVAILABLE CREDIT when I make a purchase. I was always extra careful that my credit score wouldn't go down from XXXX to XXXX, but NOW, THROUGH NO FAULT OF MINE, the score crashed to the lowest possible level. I had to find other sources from which to borrow because I had to honor the business commitments which I had ordered. Right now, I have stopped making the minimum payments due for THE FIRST TIME IN MY LIFE. I incurred huge losses from not being able to publicize my books at seasons when many XXXX XXXX XXXX are usually bought as gifts, because of having to keep paying the extra amount to Citi Cards. Plus, that caused me to miss bringing in all the profit I could have made during the holiday season. I developed XXXX XXXX XXXX XXXX XXXX XXXX XXXX. that is why my family thought I had XXXX. But the skilled XXXX succeeded in preventing a second brain XXXX, which would have caused my immediate XXXX. Citi Cards caused much more financial losses than the extra amounts they kept adding to the minimum due in addition to their false reports accusing me of actions for which they were responsible themselves. Just by lowering multiple times the limit on which I was depending to cover the business startup costs, threw my whole planned budget off. it was a chain reaction that step by step brought down my credit score from the top level to the lowest and led to losing all the funds that I would have saved by now to pay off my credit card debts and pay for all the cost of setting up the business. Not to mention the aggravation to my medical condition by causing the development of new XXXX XXXX XXXX XXXX
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| 12/03/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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On XXXX XXXX, 2017 I noticed in my email a shipment to Texas of over {$1000.00} purchases on my Best Buy credit card underwritten through Citi Bank. I was not noticed by Best Buy or Citi that it was an unusually transaction. I called and reported these transactions, filed a claim and eventually the charges were reversed. Best Buy sent me a new card with a new number.
On XX/XX/XXXX I tried to purchase a door buster on Best Buy.com with my Best Buy credit card. I accidently used my old card number as I had two Best Buy cards in my wallet from the precious incident. I also had called to increase my credit limit that day to make a purchase which resulted in a hard inquiry. The only security question I was asked was my account password. I then had a Text message from Best Buy to update my payment information, my order did not allow me to edit my Best Buy credit card payment information so I repurchased the item with the replacement card number. I received a text message a few hours later that my order had been canceled because bestbuy was unable to verify information. I was not contacted by email or phone. I re did my order and it was immediately canceled. I work in banking so I assumed it had to do with the purchase on my credit card so I called the credit card number and was told there is nothing wrong with my card I need to contact Best Buy 's customer service. After a one hour 40 minute hold time I speak to a rep who has no idea why my order is getting canceled and tries to place it over the phone. Again it wo n't work so he tells me to call the store and ask them to put the item on hold. I asked him if they could do that since t was the holidays and he said yes. I call the store and am informed they do not hold items during the holiday, I explain the situation and the employee tries to make a purchase over the phone for me, he got a fraud alert asking me to be in the store with my id and suggested I call the credit card. I call the credit card and they clear this alert and stay on win me while I attempt to make the purchase online again, again my order was immediately canceled. The rep was not getting any declines. He gets me in contact with another rep from Best Buy. Com and they try multiple times to make the purchase. Still not working so I am transferred to Citi. Citi hangs up after saying hello once. Again they try to let the transactions go through with a rep from Best Buy. Com and I finally ask for it to be escalated since there had been no solution and I had been trying to make the purchase for over 6 hours and had talked to multiple representatives. I speak to a supervisor named XXXX who says I need to use a different card to make the purchase that I ca n't use my Best Buy card. I said that is totally unacceptable since I had a hard inquiry on my credit today to use my card and I have available credit and I want to take advantage of the 0 % financing for 18 months. He says that my card is locked and it 's going to take 10 days to fix it. He was condensending and when I explained it 's not my issue that bestbuy/Citi allowed someone else to use my card but I 'm trying to purchase and pick something up where I have to show photo ID within a 15 mile radius of my house it is completely unacceptable. I asked to speak to his supervisor or to be transferred to headquarters and he replied " yeah, that 's not going to happen. '' So because XXXX card allowed someone to use my card in XXXX I was unable to make the purchase for the sale of {$200.00} off a XXXX XXXX XXXX, take advantage of 0 % for 18 month financing through my Best Buy credit card which is in good standing and has sufficient available credit and have a hard inquiry on my credit report for a credit card I was told I can not use. This is unfair, and deceptive to me as a consumer.
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| 07/11/2016 |
Yes |
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Web |
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I paid my Macy 's credit card ( Citibank , N.A . DSNB ) balance in full on XXXX XXXX, 2016 in the amount of {$2700.00}. This was the balance on my statement. After I paid this balance I considered the card to be paid off and there to be no remaining balance or further payments due. I did this with the intent of paying down debt and to improve my credit score so my family can purchase a house in the upcoming months. However, months later I found out that there was an interest charge the following month after I paid my credit card in full. I received no past due notices and no phone calls to alert me of the past due bill. I had no idea that I still had anything remaining to pay. One day I checked my account following an email I received monthly and noticed over {$80.00} was past due!! These were monthly statements sent every month to my email address, which I then had to log into my account to view the statement. Having paid it off, I did n't think there was any need to log into the account to view a statement. The email itself contained no indication that there was a problem with the account or that the account was past due. I receive other email notifications from other credit cards that provide said info right in the contents of the email message, so as to immediately alert the borrower. When on a whim I decided to look at my account, I was so upset that I immediately called and made payment. During the call I expressed my frustration with not being called to be notified. I have NEVER been late on my payments, which can be confirmed by pulling my credit report. During the phone call the woman could not seem to understand me - I had to repeat my account information at least 3 times. She agreed to waive all of the late fees associated with this issue and I made payment of {$24.00} on XXXX XXXX immediately upon becoming aware of the issue. I told her that I did n't even care about the money - my main issue was that this was over 30 days old and would have been reported to the credit bureaus. The woman told me no, they do n't report to the credit agencies. I knew at that moment that she did n't know what she was talking about. For some reason I decided to accept her reassurance that it would not be reported and that the error was resolved by her removing the late fees and me paying the {$24.00} and her assurance that it would not be reported.
This month I looked at my credit score and it went from XXXX last month to XXXX this month. This is absolutely unacceptable as I was told on the phone it would not be reported. Further I made it clear on the call that in the future if there is ever a problem with the account I wanted to be called and notified. Please have the credit card company pull the phone call that occurred the evening of XXXX XXXX, 2016 and confirm the misinformation I was provided. This information should be honored and this should not have been reported to the credit bureaus. XXXX would expect that when they pay a balance in full there are no further payments due. This accompanied with me receiving no past due alert is not acceptable. I will be extremely angry if I can not purchase a house in the upcoming months for my family because of this error and the impact it 's had on my credit. My credit score has NEVER been this low, ever. Please correct my credit reporting to remove any delinquency and address the representative that gave me the information that it would not be reported.
I work in the financial services industry myself and this would never be acceptable. In fact, I worked answering CFPB complaints in my previous role and am well versed in how this works. I 'm extremely disappointed and when I am in a position to pay off all of my citi card balances I will be doing so and closing all accounts associated with the bank.
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| 05/27/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I opened a Citigold checking account on XXXX XXXX, 2015, during a promotion in which they were offering XXXX XXXX XXXX miles to open a new account and complete the following requirements within 60 days : 1. Make {$1000.00} in debit card purchases 2. Make XXXX more bill payments for XXXX consecutive months I completed these requirements by XXXX/XXXX/15. I then sent the customer service department a secure message to verify that I met all the requirements, and that I would, in fact, receive the XXXX XXXX miles. I then received the following response : " Dear XXXX XXXX, Welcome to Citibank Online, my name is XXXX. Thank you for your message regarding your promotion requirements.
In review of your account, I can confirm your requirements for XXXX are met.
Summary of Required Behaviors : XXXX XXXX Miles Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/15.
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card, which must be posted to the new checking account.
XXXX qualifying bill payment must be posted to the new checking account each month for XXXX consecutive calendar months.
Now that you have met the requirements, Citibank will credit the XXXX bonus miles to your XXXX account, within 90 days from the end of the statement period in which the completed offer requirements. Please feel free to respond with the XXXX account number for our files.
Here at Citi, we take pride in finding solutions for your financial needs, and I am pleased to have provided your requirements confirmation. We will not require anything else for this promotion. Thank you for participating.
XXXX XXXX, thank you for choosing Citigold. If there is anything else we can do for you, please contact us online with Live Chat, by sending a message, or calling Citigold XXXX at XXXX. Internationally, you can call us collect at XXXX. XXXX XXXX is available at XXXX XXXX XXXX XXXX. We are available to assist you 24 hours a day, 7 days a week. We appreciate your business and the opportunity to serve you.
Sincerely, XXXX XXXX '' I then told the customer service department my XXXX frequent flyer number and received the following reply : " Dear XXXX XXXX, Welcome to Citigold, my name is XXXX. Thank you for your response. I appreciate your providing us with your XXXX member number.
I have noted your XXXX Member number on your account. The XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements.
On a separate note, I want to take this time to make sure that you are aware of the requirements for the Citigold Account package. In order to avoid the monthly service fee of {$30.00}, your combined average monthly balance in all eligible deposit and retirement accounts must be {$50000.00} or more. Outstanding lending products such as loans, lines of credit and mortgage balances no longer contribute to the combined average monthly balance in order to avoid the monthly service fee and {$2.00} non-Citibank ATM fees. '' Because I was told I needed to wait 90 days I then waited the requisite time period. At this point the miles still had not posted to my account so I again asked the customer service department when I could expect them to post. At this point I was told I did not qualify for the promotion, and that I would not be receiving the promised miles. Unfortunately for me I had been paying the $ XXXX/month fee to keep the checking account open because I expected to see the miles within a 90 day time frame. It seems incredibly dishonest to tell me to wait 90 days for the miles only to renege at the end of the 90 days, at which point Citi had already collected XXXX monthly fees.
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| 01/12/2017 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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The complaint that I am filing is for Citibank refusing to honor and distribute funds for a promotion that was advertised through XX/XX/XXXX and XX/XX/XXXX. This promotion required a customer to " open a new consumer checking account in the ... .Citibank Account Package by XX/XX/XXXX, make a deposit of {$15000.00} or more in new-to-Citibank funds in to [ the ] new checking account ... within 30 days after opening the new checking account and maintain a minimum balance of % XXXX for 30 consecutive calendar days following the date [ the ] qualifying deposit [ was made ]. '' Per the offer terms, " the cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. '' The terms were satisfied as a deposit of {$15000.00} was made on XX/XX/XXXX. The account had been funded for 30 calendar days as stipulated in the requirements. Based on the promotional requirements, the bonus was to be deposited by Citibank on XX/XX/XXXX. As of XX/XX/XXXX, this deposit has not been made.
On XX/XX/XXXX, at approximately XXXX EST a call was made to determine the status of the bonus. The customer service representative confirmed that the deposit should have been made at that time, but informed me that since there were several bank holidays recently the bonus may be delayed by a day. He informed me that the bonus would post on XX/XX/XXXX at XXXX.
The bonus had not posted on XX/XX/XXXX by XXXX EST, so I called the bank again. This time, the customer service representative explained that the bonus should have posted but could not explain why it had not. A promotional dispute was put into Citibank 's system to investigate the issue. The representative explained that the dispute would be investigated and the matter resolved within the next 2 business days.
On XX/XX/XXXX I called and was able to reach a customer service representative who explained that I should wait for another day because the holidays may have been the cause for the bonus not posting.
On XX/XX/XXXX I called the bank again. The customer service representative put me on with a supervisor to discuss my issue. He told me that the bonus was set to post at the end of the statement period, which was XX/XX/XXXX. He told me that he would put in a request to expedite the promotional funds to my account.
I called on XX/XX/XXXX and was transferred to another supervisor who told me that I was eligible for the bonus and that he would enter a high level dispute to expedite the bonus. He also told me that his supervisor number is XXXX and to contact him for more information.
I called back XX/XX/XXXX to determine what progress had been made on the disputes as the bonus had STILL not posted. The customer service representative informed me that she had been speaking with a supervisor about the issue and that the bonus would definitely post on XX/XX/XXXX.
On XX/XX/XXXX the bonus has not posted. I talked with a supervisor named XXXX who told me that the dispute that was filed on XX/XX/XXXX had been closed. He did not give any details as to why the dispute was closed, but created a new high priority dispute with reference # XXXX. This supervisor explained that the dispute was expected to take 24-48 hours to resolve.
All in all, Citibank lured me in to deposit a significant amount of funds into their company using a promotion that they have not honored. I now understand why bank has a poor consumer reputation in my community and via the internet. I know that any investigation done by the CFPB will find Citibank to be in breach of contract per the terms that were provided in their promotional disclosure. I now need the assistance and protection of the CFPB to ensure that this breach of contract by Citibank is investigated and properly resolved.
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| 04/19/2015 |
Yes |
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Web |
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I recently opened an XXXX XXXX XXXX Platinum Select credit card account with Citibank ( " Citi '' ), largely due to their advertised promotion that upon spending {$3000.00} in the XXXX 3 months, I would receive XXXX bonus XXXX XXXX XXXX miles. Upon activating the card, I used it a handful of times and then attempted to activate the card for use with XXXX Pay. The last step of Citi 's XXXX Pay sign-up process requires you to confirm a security pin that Citi supposedly texts to your cell phone of record. I did not receive this pin through text so I determined I just would not use XXXX Pay with this card. I then went to a store and tried to use my card for a purchase, at which point it was declined. When I called Citi, they routed me to the fraud department, where an associate confirmed my name, my security password, and address then informed me the fraud alert was placed on the account due to a failure to verify the XXXX Pay. I informed the individual I did not want to use XXXX Pay and to remove it if it was causing this issue. She then informed me she would have to verify my identity yet again before removing the fraud alert and the only way to do so was to send me a text message to my cell and to repeat the security pin received in the text back to her. Yet again the text from Citi did not come through. She verified my cell phone multiple times and it still did not come in. I asked to speak with a manager, who then told me the same information and that the only other way to confirm my identity was through a call on a land line ( I do not have a land telephone line ) or to call my place of business during normal operating hours so they could speak to a receptionist who could then transfer the call to me. I explained I worked for a company XXXX but I live in XXXX and use my cell phone for my work phone so this was not an option. The XXXX informed me I was out of options then since the text message confirmation was not working. I offered to confirm my social security number, my mother 's maiden name, date of birth, or any other commonly used verification data and he said that would not be acceptable. The following day I went to a physical Citi branch at which point I provided government issued ID and my credit card to a personal banker verifying my identity, he then called Citi 's internal fraud line and they repeated they could only clear the fraud by sending me a text message with a pin. Citi attempted this again and the branch employee confirmed with Citi the text did not come in. I asked to speak to another fraud manager. Once she picked up, she informed me that Citi was in fact experiencing problems with XXXX, my cell carrier, in providing the text messages and was aware they were not going through. She finally removed the fraud alert, or so I was told. I then used the card XXXX times more and then it was again declined for fraud. I called yet again and Citi again tried to confirm my identification with a text, even though I had physically been present in a branch office and confirmed my identity with a Citi employee using a government issued photo ID and my credit card. The employee said they removed the fraud warning yet again. This morning I logged into my account and it says I have been shut off for a fraud warning yet again. This is unacceptable as they are not allowing me access to my account. Furthermore by limiting access to my account they are not allowing me the benefit of the advertised XXXX mile bonus mile reward, the availability of which was confirmed in my account opening letter. Additionally, Citi must provide an alternate means of verifying identification outside of a text message, as that is a cost to consumers ( you can incur a charge for each received text ) which is not disclosed in the account terms and conditions.
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| 06/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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Account XXXX XXXX XXXX XXXX In XXXX XXXX, on XXXX XXXX I put a deposit down to rent a vacation home for 1 week in the XXXX of XXXX for my XXXX daughters, my sister, their families & myself. I did take out travel Insurance. Two days after placing the charge I contacted the owner of the rental home and informed her " XXXX XXXX '' that I had to cancel the rental due to circumstances beyond my control. This was XXXX XXXX, XXXX. The page of the rental stated ( Free Cancellation ) until XX/XX/XXXX.
Ms. XXXX was very gracious and agreed to the cancellation with no penalty. Just in case I contacted Citi-bank and in XXXX XXXX the charge was removed. Then two months later in XX/XX/XXXX, Citi-bank put the entire charge back on my card. By XX/XX/XXXX the Coronavirus was sweeping the country and world. My cancellation in XXXX XXXX had nothing to do with the Coronavirus, but this would now be another reason why my wife and I would not be traveling. We both have XXXX XXXX, we both are senior citizens XX/XX/XXXX at the time. Our family doctor XXXX XXXX XXXX told my wife that she would be " crazy '' to make any trips at that time.
I learned that I was fighting XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had XXXX in both XXXX & XX/XX/XXXX to remove the XXXX. I am again fighting another XXXX on my left leg and I am due to have XXXX on XX/XX/XXXX for this XXXX. The surgeries that I had in XXXX would have prevented me from traveling even if the Coronavirus had not occurred.
I have provided all of the above to Citi-bank. Including documentation from the rental homeowner XXXX XXXX accepting my cancellation, plus XXXX acknowledging that my reservation was cancelled. As I stated above the XXXX XXXX stated I had until - ( XX/XX/XXXX ) to cancel. I have sent all of this to Citi-bank twice by certified letter, by text message & I have spoken with a rep. from Citi-bank back on XX/XX/XXXX. This lady was very rude & totally unprofessional to say the least. She insisted that I had no right to cancel??? I have been a good customer of Citi-bank for 25+ years.
No one at Citi-bank will listen to reason and are as far as I am concerned acting illegally by trying to force me to pay a charge of $ XXXX dollars for a charge that the seller/renter agreed that I could cancel without penalty. I will never pay this charge.
I have attached the online rental page that states that I had until XX/XX/XXXX. At first it stated until XX/XX/XXXX back in XXXX of XXXX. When I started to have problems with Citi-bank I downloaded to my computer a copy of the rental page to protect myself.
Below are copies of emails between MsXXXX XXXX & myself agreeing to cancel the rental & charge with no penalty.
Re : Your reservation has been confirmed XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX To XXXX Due to circumstances beyond my control I am forced to cancel this rental agreement that I made 2 days ago. I understand from the page the house was listed on that ( Free Cancellation until XX/XX/XXXX ). Today is XXXX XXXX, XXXX and well within that time limit.
I will send the same message to the owner. I will also call my credit card service to inform them that I have cancelled the rental agreement within the time frame & I will not be charged anything.
Regards, XXXX XXXX XXXX On XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX wrote XXXX XXXX XXXX : Your reservation : XX/XX/XXXX through XX/XX/XXXX - XXXX # XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX To XXXX XXXX Owner has replied to your message Property # XXXX Reservation ID XXXX Arrive XX/XX/XXXX Depart XX/XX/XXXX Nights XXXX Guests XXXX adults, XXXX kids Owner name XXXX XXXX Message from the owner Keep my number if anything changes The refund will come from XXXX I dont receive any money till you arrive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Cell phone
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| 08/10/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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To whom it may be concerned.
I opened an account at Citibank. Then I lost my phone and changed the number with the Citibank. A couple of days later I initiated a wire for XXXX $ ( XX/XX/XXXX ), they called me in order to confirm the wire and asked me security questions which I answered. Moreover, I called Citibank before sending the wire so they won't cancel it or block my account. However, they canceled the wire and blocked the account. The reason they gave me was that they can't verify my name to the number I calling them from ( the new number I got at XXXX XXXX XXXX ), they probably forgot that I answered security questions. At first, they said that the phone verification process will take from 24 to 48 hours. I called them in 72 hours ( XX/XX/XXXX, my birthday day ), nothing changed. They asked me to call them on my mother 's phone number, then from my brother 's phone number. I did both, however, the account is still locked ( approximately for 4 days already, meaning that I can not use my card or receive/send money ). Because of that, I am unable to pay my bills, credit cards, phone bills, buy food, receive my XXXX payments, etc. Bank representatives over the phone kept screaming on me, hanging up and kept transferring me from one department to another one without even asking me. They promised to call me back around 4 times, I haven't received a single phone call from them. I am spending around 5-6 hours on a phone daily because of them. It is like a nightmare, every department gives different information, I would even say the opposite information. So a couple of the representatives told me that the bank will contact XXXX XXXX XXXX to verify the phone number to my name in 24 to 48 hours, however, it has already been more than 10 days and they keep giving me different information in every department and the account is still locked. They also told me to call XXXX XXXX XXXX where the representative told me that Citibank is just giving me headaches because the new phone number is registered under my name and even the callerID is under my name. Moreover, I use this new phone number with the XXXX, XXXX and listed as my contact information on my XXXX. I can not come to the branch because I have XXXX, so one of the representatives told me that I can notarize a power of attorney on my brother 's name and that he can unlock the account with two photo ID 's of me and POA. He came into the branch where the bank manager asked me to call the Citibank fraud department. I did call them again and heard a new version of how should unblock my account and they also told me that the POA won't help here. The only solution they gave me is to call them from the old phone number which is already taken by another person. Are they asking me to commit a crime? So how can I unblock my account? How are they allowed to block my account for such a long time? Who will compensate me for financial and legal losses caused by the team of the Citibank? Why are they kipping my money? I am not criminal, however, the bank is treating me like one and can not provide me the information about what I have to do to get my number in their " database '' where it does not associate with my name? Why the bank can not call the XXXX XXXX XXXX and verify the information for more than 10 days? Why they are not giving me the options to solve the problem? Seems like representatives over the phone have no clue on what is happening, what are the protocols and how they can verify a phone number to a name? There are many reviews on the web with the same issue people are having with the Citibank. The institution is doing illegal things and using people 's money. The only explanation I have to justify their actions. I am having an actual XXXX XXXX I am XXXX. How can I solve this? Please help
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| 12/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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After several months of faulty and unhelpful correspondence with CITI, my confidence in their common purpose of serving their clients and safeguarding assets is shattered. As a last resort, I researched the Fair Credit Billing Act ( FCBA ), CITIs practices and discovered several clients have asked the CFPB to intervene with CITIs unfair billing practices.
Please note, my long-time boyfriend purchased airline tickets and airline travel insurance to Florida as a celebratory act for our first XXXX, using the account ending in XXXX. Per the details of my CITI account-XXXX on XX/XX/23, the insurance was {$18.00} and the returning flight was {$700.00}. I am asking that the CFPB reach out to CITI to have the previous charges removed from my account for the following reasons : A ) My partner asked that our insurance be utilized and our flights cancelled. The XXXX representative refused.
B ) There were conditions set forth by XXXX XXXX, which could have presented health concerns for the first trimester of my XXXX : a. Several on boarders had aggressively barking dogs which were not in containers but small leashes. This presented an issue of personal safety.
b. I felt I could not breathe due to the broken air conditioning. I could feel my body overheating, I began to get dizzy and could not stand in the extremely long line. Research shows, insufficient air conditioning can cause a number of immediate and long term issues.
C ) He walked to the front of the line and asked for our flight to be cancelled and resold to other patrons. The XXXX rep rudely demanded he go to the end of the line and would not assist. We called CITI and explained that we could not board the flight. CITIs representative relayed we would not be billed if we did not board the flight. She offered to cancel the card, so we would not be charged and stated we could buy an airplane ticket with a different XXXX. CITIs rep reiterated, we would not be billed for the XXXX flight. The card ending in ( XXXX ) was cancelled.
a. We purchased a {$1000.00} flight returning home with XXXX XXXX given the instructions of the CITI representative and the conditions of XXXX.
b. New card was opened ( ending in XXXX ) and the XXXX XXXX charge was unbeknownst to myself reapplied.
D ) I have asked that CITI provide verification, we were aboard this flight. They have not.
E ) We should not be charged for a flight we attempted to cancel. The same flight a CITI representative empathetically stated we would not be charged for. Which led us to purchase a {$1000.00} returning flight with a differing airline Please note, I have disputed this charge three times. More recently, I called CITI again at the beginning of XXXX to inquire as to what was occurring with the dispute. A CITI rep asked me to submit verification that the flight for XXXX was purchased and the charge would be removed in 10 days. I immediately submitted verification of this. The amount was not removed. I called back, I was on the phone for over an hour, as representatives were not able to location my cases information. Eventually in the Dispute Department, I spoke with XXXX who informed me the investigator on my account- XXXX XXXX XXXX reach out to me within 1-2 business days. Given the holidays I gave MsXXXX XXXX additional time ( as of to date ) I, disappointingly have received no follow-up contact. I am asking that you all intercede and have the amounts credited back to my account. As we are anticipating the arrival of our bundle of joy, the now unauthorized charge of over {$700.00} can be used for more practical and welcoming matters. I have included verification of the closed CITI account and the email sent to the representative verifying the purchase of the XXXX XXXX ticket. We did return from Florida on the XXXX XXXX flight.
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| 09/25/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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TLDR : I transferred XXXX $ to my landlord via XXXX from XXXX XXXX XXXX app to her account with Citi bank, however, she did not receive the money and the money was not returned to me either. Citi has the money and they are neither willing to complete the transaction nor return the money.
On XX/XX/XXXX I sent my landlord XXXX $ for first month rent plus deposit through XXXX XXXX XXXX ( XXXX ) App, which in turn was using XXXX to transfer the money to her Citi bank account. However, she did not receive the money, so within a week, on XX/XX/XXXX we went to a XXXX branch and asked them about this. In the same meeting she called her bank and and the XXXX accountant talked with Citi on her behalf about this. At the end everyone assured us that the money will be delivered shortly, or in the worst case scenario it will be returned within a month.
On XX/XX/XXXX of XXXX, my landlord, whom had not received her money, pressured me to send her the money again, which I did, first through XXXX again, which I immediately cancelled ( this one got returned ) and then through XXXX. This transaction was successful.
After a month had passed and the money was not returned to me or delivered to my landlord, I filed a claim to XXXX for the first time. I will attach a picture of the response I got, but it boils down to that they have completed the transaction as I have instructed and my account will not be Credited. After visiting XXXX and calling them, it turned out that Citi had not responded to their phone call inquiry. So I consulted with XXXX 's Graduate Legal Aid Office ( GLAO ), who gave me the assurance that for these civil cases there's a 3 year statue of limitations. And so I filed another claim with XXXX and got a similar respond. My landlord can testify that she also went to Citi, and they told her that they had not received the money.
As an XXXX XXXX student who's very busy, I couldn't follow up on this very often, but I did visit XXXX branches at least half a dozen times whenever I could, usually to no avail. At this point we were suspecting maybe XXXX has not transferred the money, so my landlord tried contacting them, however they only responded saying XXXX does not keep the money and it is either returned or gone through.
This was the situation until early XXXX that in one of my visits to XXXX, the accountant whom I am very grateful of, after intensive phone call sessions cracked the case and discovered that for the last claim I had filed with them, Citi had finally answered the phone call and had confirmed that they had received the money!! This made me very suspicious, so after consulting with GLAO again, I talked with my landlord and told her the situation, she then sent me a copy of her bank statement for the corresponding month, and clearly the money was not represented there.
So on Friday XX/XX/XXXX of XXXX my landlord and I went to a branch of Citi bank, asking about the situation. After a long phone call session, someone behind the phone acknowledged the money was indeed in Citi 's hands so they opened a claim assuring us that the situation is finally going to be resolved either by returning the money or completing the transaction.
However, few days later they sent a letter saying " Per the Electronic Fund Transfer Act -- Regulation E, because of the timing of this transaction, it will not be honored. ''!! This is very outrageous. I again consulted with XXXX 's GLAO, who showed me a passage in EFTA, basically saying that we needed to complain within 60 days. ( Which we had done!!! ) He thought this was outrageous too, specially because we had complained about this several times within that 60 day period and afterwards. He then forwarded me to your website for filing a complain as my last hope before suing them in a court.
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| 08/30/2015 |
Yes |
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- Credit card protection / Debt protection
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Web |
Servicemember |
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In the latter quarter of XXXX I opened a Best Buy Credit Card account and purchased a new television and surround-sound system for approximately {$1400.00} through the creditor XXXX with a 24-month 0 % interest-rate. Shortly thereafter I set up an automated monthly bill-pay of {$25.00}. In XXXX of XXXX I began receiving confusing letters from Citibank , N.A . informing me that they were unable to contact me and that my account was now delinquent. The first was dated XXXX XXXX, XXXX and stated my account was delinquent and I could clear this debt by paying immediately {$700.00} of the current balance of {$1000.00}. The second was dated XXXX XXXX, XXXX and stated that they had been trying to contact me but were unable to. I believe this is a lie, as all of my contact information was provided by me when I opened the account and they obviously had my home address. Also, at this time I did not understand that a new creditor had bought this debt, as no-where in either of the letters I received did it state this fact. Not realizing that a new creditor was holding this debt I verified that my automatic-bill-pay was still active, and figured that the most recent payment which became delinquent must have gotten lost in the mail. I attempted to call Citibank , N.A . through the toll free number provided in the letter, and followed their automated phone system to the point where it asked me for my social security number or XXXX account number. When I provided either my S.S.N. or my BestBuy account number the automated phone system disconnected my call. I tried this several times with the same result. I then attempted to call XXXX and was told that they could not provide any help to me, as Citibank , N.A . now owned the debt. This is when I fully realized the situation ; that a different credit company had bought my debt. I again attempted to call the toll free CitiBank , N.A . number and again was disconnected each time I entered my S.S.N. or my account number. In the months following I began receiving collection notices for the debt amount, with the addition of {$200.00} in extra fees. I spoke to a representative of XXXX XXXX , XXXX and attempted to explain the situation telling them I refused to pay on this debt unless my account was re-instated with the additional 18 months of 0 % interest I was entitled to, and all additional charges were removed, but they could not help me with Citibank, N.A., as the debt was now purchased by this collection company. This debt is now been passed to XXXX other collection companies and has been adversely affecting my credit for almost 2 years now. I am a XXXX XXXX XXXX XXXXveteran, and a XXXX student. I am currently between vehicles and am unable to purchase a new car to commute to campus because of this collection on my credit. This is a serious problem for me, as I am entering my XXXX for my XXXXmajor. If I can not get to school my future career path may be in jeopardy. I believe the misleading and obfuscating letters I received from Citibank , N.A . was a deliberate attempt to violate the terms of my 0 % interest rate deal so that they could collect on their new debt and not honor the original agreement I made with XXXX. The claim that they " Could not contact '' me is false, as all my contact information was provided to XXXX when I opened the account. I also think the fact that their automated phone system disconnected me when I attempted to enter my S.S.N or account number proves this. I am hoping for a speedy solution to this issue, and truly believe this was caused by a deliberate attempt by CitiBank , N.A . to negate the original deal of 0 % interest for 24-months, which I made this purchase under, with obfuscation, out-right lies, and disreputable business and lending practices. Thank you for your time.
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| 02/08/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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To : OCC From : XXXX XXXX XXXX RE : Short Sale with CitiMortgage Date : XXXX XXXX, XXXX My name is XXXX XXXX XXXX. I am desperate for help, and not sure where to get the help I need.
In XXXX XXXX, I purchased a home with my mother ( XXXX XXXX XXXX ) as a cosigner. The mortgage company is CitiMortgage ( loan # XXXX ). Doing well the first few years, I struggled in XX/XX/XXXX and then again in XX/XX/XXXX, due to losing my job and health issues. I thought CitiMortgage Loss Mitigation department was helping me, unfortunately the " re finance '' was more than what I owed on my home, more than what it was worth, and higher monthly payments.
In XX/XX/XXXX, I had XXXX and was out of work for a while plus IRS placed a tax levy on my payroll. I was having a hard time again with my mortgage payments. I decided to do a short sale, so I would not have a foreclosure. I spoke with a man by the name of XXXX XXXX with CitiMortgage and he told me " once I had a buyer that CitiMortgage would then work with my realtor ''.
I then had XXXX XXXX ( XXXX XXXX / short sale specialist ) out to my home and listed my house a short sale. After several offers we had one in XXXX XXXX that was reasonable of XXXX, with earnest money of XXXX down. XXXX XXXX and XXXX XXXX, had the contract with all information needed sent to CitiMortgage.
It has been a nightmare. After eight months of sending CitiMortgage ( through XXXX XXXX ) all of our bank statements, payroll stubs, hardship letters, my mother 's retirement statements, her bank statements, our XXXX 's and tax records for the last several years. They continue to keep us hanging and waiting for the next step. Every time CitiMortgage wanted more information we would send it.
Now, CitiMortgage sends us a memo : Good Afternoon XXXX, I trust both you and XXXX are well. This is your regular weekly status update email, in which I regret to report we have crossed the hard stop deadline on liquidation assistance prior to foreclosure ( thanks to the sale date that appeared since your last update, placing the deadline back on XXXX/XXXX/XXXX ). The only options at this stage are to reinstate or payoff the loan ( including legal costs/fees, quotes for which may be obtained directly from XXXX XXXX XXXX XXXX XXXX at XXXX ), or declare other legal debt protection measures. Should I see anything of note this coming week I will contact you as soon as feasibly possible, otherwise you may look forward to your weekly status updates up until XXXX/XXXX/XXXX. Please do not hesitate to jot yourself a note for our regular weekly contact or reply to this email if you have any questions in the interim, and since it 's a new month I would appreciate a quick " thank you '' to acknowledge receipt of this message.
Remember, during any point of your treatment review you can reach me at ( XXXX ) XXXX, Ext. XXXX, Monday - Friday XXXX XXXX. - XXXX XXXX. ( CT ), or email me XXXXXXXXXXXX. I look forward to working with you.
Sincerely, XXXX XXXX XXXX Homeowner Support Specialist ( XXXX ) XXXX, Extension XXXX ( use leading XXXX ).
CitiMortgage , Inc .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX I was shocked. I never knew there was a foreclosure date nor did XXXX XXXX or XXXX XXXX. We did not received weekly status updates from XXXX XXXX.
Are they doing what the government says " a lender should provide foreclosure alternatives to us homeowners ''?
This is unreasonable on CitiMortgage ; selling the home on the door steps of a courthouse may bring XXXX or XXXX XXXX. And they had an offer for XXXX!
CitiMortgage is not assisting with foreclosure postponement, what are they really doing? We are trying our hardest to do what we can do. However, I could not keep the house any longer. But, I wanted to do what would be best for all, and I feel that Ci
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| 06/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XX/XX/XXXX I charged {$27000.00} to my Citibank card at XXXXXXXX XXXX XXXX in the XXXX XXXX XXXX XXXXXXXX in XXXX XXXX XXXX, PA.. I also charged the same amount on American Express. This was for custom cosmetic products ( sent every 3 months ) and monthly facial and full body treatments for 3 years. I received my first paackage of procts in XXXX and was scheduled for my first treatment appt on XX/XX/XXXX. When I arrived, all of the store personel had changed, no one knew that I was coming and they had no idea what sort of program I was supposed to have. They insisted on doing a facial while they attempted to sort out the issue. I re-iterated the fact that I have very sensitive skin and many XXXX XXXX ( had previouly given them a full list of the XXXX ). They were not ble to get in touch with anyone. I had XXXX XXXX XXXX, which have not yet resolved 15 months later. I visited my XXXX as soon as possible and was given XXXX XXXX and told not to use ANY products until my skin cleared up. Obviously I was extremely upset and filed disputes with both credit card companies. over the course of about 2 weeks the new management begged my to reconsider, promised they would give me all the proper services I paid for and in addition give me an at home piece of equipment and install it ( supposedly valued at {$25000.00} + ) and that we would start fresh with the 3year program as of that date. Effectively a NEW AGREEMENT. I contacted both credit card companies and withdrew the complaint after asking and being assured that if the company did not uphold its end of the agreement I could refile.
It became apparent that the company could not provide the treatments and the second round of products due in XXXX never arrived. After being unable to reach the mgt. or get any answers from the store staff I called to refile the dispute at the end of XXXX. American Express did so and ultimately refunded my money.CITIBANK refused to refile or start a new complaint. I called several times asking for managers until I was told I could submitt evidence for their review, which I did on XX/XX/XXXX. I had to call multiple times as I did not receive any feedback within the time frame they said, Finally on XX/XX/XXXX they notified me that they would not accept a dispute. I immediately called and emailed to escalate the complaint and each time I received the same stock answer as to why they refused the dispute. They claimed I had received the products I paid for. Obviously the one quarterly shipment arrived but none of the others AND the 3 year time period was supposed to have restarted in XXXX after the first set of products arrived and I could not use thaat shipment because of the allergic reaction. I requested that they change it to a fraud complaint instead of a disputed charge. Multiple times I requested that they just make the attempt and I would be fine with not having even a temporary credit until the other party had time to respond or not. I had come to believe that XXXX XXXX was running their charges through some cover firm and would not respond to the complaint. I took this to what they told me was end of the appeals process- an executive complaint- which came with another denial to even make attempt to help me recover a very large some of money. I have been a Citibank card holder for over 30 years, my credit limit grew to over {$33000.00} and I have an XXXX credit rating. Everyone I have spoken to The licensing dept of the PA Attorney General and the XXXX fraud help line agrees that this is a legitimate viable case of fraud. I am also filing a complaint with the FTC to attempt some action against XXXXXXXX XXXX XXXX, but have been advised that short of a law suit the only way to recoup my money is through Citibank who should have processed the complaint.
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| 02/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I have been using Citi Credit Card since XXXX. In XXXX, I got a job with XXXX XXXXk in XXXX and called Citi customer service to check if there is anything special I need to do as I might not be using my credit card as much being out of country for extended period and was told no special action needed. In XXXX, I called again and informed that I have a special project and might not be able to travel at all to US for a few years and will not be using my card for 2-3 years and again was told that nothing special to be done and they have activated a " fraud alert '' to be sure no fraudulent activity and I might not be monitoring the card activity for an extended period. After XXXX, I travelled to US in XXXX and card worked perfectly.
In XXXX, when I was abroad, my card expired so I called Citi to check if they could ship my new card to an address in XXXX and was told that they ship the cards in US only. I made arrangement to get the card shipped to a friend 's house which is where it has been since end of XXXX as Covid struck and travel restrictions started. As I have pre-existing XXXX XXXXXXXX my doctor advised that I be extra cautious and stay indoors which is what I have been doing for past few years. Few days ago my friend informed that there was a letter from Citi indicating that my account has been closed as it has been inactive for " several '' months and based on information from my credit report as my score was not high enough to keep the account open.
The letter is dated XX/XX/XXXX and though Citi has my email address on file, no prior information was sent to me through email even though in my account, they have the record that I've been out of country since XXXX. Least Citi could have done was give a month 's notice to get my cash reward amount redeemed and arrange for an alternate credit card which I could use on my return to US as when I travelled out of country for an extended period, I cancelled all my other cards and retained only this Citi card based on my long standing relationship with them.
I had {$75.00} as cash reward balance in this account when Citi decided to close the account unilaterally. I went online but could not do anything at all as it showed account is inactive. I called the customer service number on XX/XX/XXXX, day after my friend informed me of this letter and was given 3 different numbers to call as no one knew how to handle a closed account. On 3rd attempt, I was informed that Citi recently had a " change of rule '' and any card not used for 15 months, it will be closed. I asked for my reward point balance transfer and was told that there is nothing they can do and I was told to either send them a letter by post or a fax and the relevant department will see if there is anything which can be done for a closed account as any balance is deemed to be forfeited for a closed account. In today 's day and age, how can an organization not have an email address for customers to write to? because of my high risk conditions, I've been staying indoor since past 2 years and now Citi rep is expecting me to go to post office in XXXX to post a physical letter to Citi USA, that too with zero guarantee that the amount will be redeemed. Also, expecting a customer to have fax facility at home is a very unrealistic ask. How can they get away with not having an email or someone who can assist with this on phone is really beyond me and qualifies as harassment for the customer. My question to them is if I had a debit balance on my account, would Citi have still closed my account unilaterally and decided to let go of my payment? And if not, what gives them the right to forfeit reward points I earned due to my previous spending and not give me the opportunity to transfer them to my bank account before account was closed?
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| 09/16/2016 |
Yes |
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Web |
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This is to dispute Citibank 's response to my complaint case number : XXXX filed with the CPFB, as I find my issue was not addressed by the company and further action is needed from Citibank to at least properly address my concerns. Let me explain myself.
In my original complaint, I disputed Citibank 's reason for denying my application : Length of time accounts have been established on your credit report based on my Equifax Credit Report.
I stressed I hold a XXXX credit history on my Equifax credit report and I have several credit cards opened with Citibank, the oldest of which is over XXXX years old. I also mentioned a Citibank 's Credit Agent advised me on the phone Citibank looks at over 5 years personal credit history to approve sole propietors for a business credit card.
Citibank 's response made no reference to those claims which where the core of my dispute/complaint.
In order to properly address my issue, I request Citibank to specifically respond to the following points, XXXX by XXXX, based on my Equifax Credit Report attached herewith : 1 ) Do you consider 4 years and 2 months of time of accounts established on my credit report short enough to deny my application for a business credit card? Please explain.
2 ) If so, what is the minimum length of time of accounts established Citibank is looking at to approve a business credit card application?
3 ) Is the 5 years minimum length of time of accounts established advised to me by a Citibank 's credit agent on accurate?
4 ) Why does not Citibank disclose this hard policy on the landing application page for the product?
Until Citibank 's response does not address XXXX by XXXX the XXXX points specified above, I will consider my dispute/complaint has not been properly addressed..
I need Citibank 's further clarification as 4 years and 2 months does not intuitively seem to be a short credit history to base a denial for my application.
If Citibank is considering 4 years and 2 months as not a long enough credit history and/or is looking at over 5 years of time of account established to approve a business credit card application, then Citibank should disclose this on their landing application page to avoid misleading and luring applicants into applying for a product for which they are automatically disqualified due to Citibank 's minimum time of account establishment hard policy. The key point here is that 5 years of time of account establishment as a minimum requirement to approve an application is not intuitive and thus needs to be disclosed for transparency purposes.
If only I had known about this before submitting my application, I would not have submitted it and wasted a hard pull of my credit report. Based on the above, if Citibank keeps denying my application, I request to have my hard inquiry from my XXXX credit report removed as I find I was misled by Citibank 's omission to disclose this requirement on the application page of the product, for instance by stating " applicants with less than 5 years of account establishment will not be considered for this product ''.
In order to properly address my issue, I expect Citibank 's response to explicitly address the following : - the XXXX points highlited above, XXXX by XXXX - my request to be approved if 4 years and 2 months of credit history are considered long enough to approve my application - if still declined, an explanation as to why 4 years and 2 months of credit history are considered long enough for a personal credit card application and not for a business credit card by Citibank - if still declined, my request to have the hard pull from my XXXX credit report removed due to the lack of transparency of Citibank in disclosing such a hard and counterintuitive policy on the application page for the product
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| 01/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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At the end of XX/XX/XXXX, I saw Citibank 's new account promotion, " Deposit and maintain a balance of at least {$75000.00} : {$1000.00} cash bonus, '' and decided to use it. I opened an account and transferred XXXX from a XXXX XXXX checking account that my husband and I are using jointly as our main checking account. When I tried to check if the money had reached the Citibank, I discovered that I couldn't log in. I called Citibank customer service and was referred to your fraud prevention department ( XXXX option XXXX ). I called them, and my nightmare began.
Most of the representatives I talked to at that number had a very heavy accent. So much so that I couldn't understand half the words they were saying, but the worst part is that they didn't understand my words. I was advised that my account is marked for closure because of a " third party transaction. '' I tried to explain that I transferred the money from my joint account with my husband. We even pay our joint citi credit card from the same account every month for 6 years. It led nowhere.
The first representative advised me to contact my XXXX XXXX bank and reverse the transaction. I did, which turned out to be completely wrong advice because XXXX XXXX determined that it was a legit transfer, not a fraudulent one, which they couldn't reverse.
I contacted the Citibank fraud prevention department again and tried to reach a supervisor. I've been promised a call in 48 hours. For XXXX days, I feared putting down my phone. I even showered with my phone so as not to miss the call. Nobody bothered to call.
Then I called again and was advised that I needed to go to the local branch with my husband and submit paper proof that he was my husband.
On XX/XX/XXXX we went to the branch at XXXX XXXX XXXX, XXXX, CA XXXX. We've been helped by an extremely nice and helpful banker, XXXX XXXX NMLS ID XXXX, phone number XXXX. He checked the notes on my account and discovered that a representative from the citi fraud prevention department wrote on my account that the funds were transferred from my cousin, not my husband 's and my joint account. I guess, the language and cultural barrier prevented him from understanding that a husband and a wife could have different last names.
We submitted all the paperwork ( our passports, marriage certificate, driver licenses, XXXX XXXX checkbook with both our names, joint tax return for the last year, and our children 's birth certificates ) at the branch and were assured that the account will be reopened in the same magical " 48 hours ''. Well, 48 has passed, and nothing has changed.
I feel that Citibank discriminates against me for being a woman in a marriage.
The fraud prevention department 's other solution was " wait 60 days and we will send you a check, '' which doesn't work for me. The amount is too large for me to risk being stolen from the mail. I do want access to my money for these 60 days.
These are my funds and I need them.
I contacted citibank executive resolution unit XXXX claim # XXXX, which requested all my documents again. I submitted them again.
Nothing.
I called their fraud department again XX/XX/XXXX, they claimed that they are not aware of any documents Ive submitted, and that I went to a bank, although the banker called them directly, gave his id and security code, confirmed that we showed him all the documents, and made copies of them. I ask for a supervisor and was promised a call as soon as he us done with another line. Nobody called again.
Their standard response is " wait 48 hours, wait 15 days, wait for 60 days ''. All I want at this point is for Citibank to reverse the transaction and send the money back to my XXXX XXXX account, which they refuse to do. They are holding my money and refuse to give them back.
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| 11/17/2016 |
Yes |
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Web |
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My husband, XXXX, and I rented a car with XXXX from XXXX XXXX in XXXX, Massachusetts. XXXX made this reservation using XXXX ( XXXX ) number, and informed XXXX at that time that we would be using XXXX XXXX gift certificates to partially pay for our rental, in the amount of {$120.00}. In fact, we did n't order these gift certificates from XXXX until after we had confirmed with XXXX that we could use them, as we know the gift certificates come with terms and conditions. XXXX had ample opportunity at that time to tell us there would be a problem using our gift certificates, but failed to do so.
On XXXX XXXX, when we arrived at the XXXX XXXX, the XXXX agent who had been manning the XXXX desk had already left for the day. He left our keys with a XXXX XXXX agent. We then called XXXX local number in XXXX and spoke with this XXXX agent ( I can only assume that he had forwarded calls to his cell phone ). We told that agent that we were leaving our XXXX gift certificates with the XXXX XXXX agent. He told us that he would " take care of it. '' Again, we were not told that there would be any problem using our XXXX gift certificates. We left on a morning ferry on Sunday, XXXX XXXX, and dropped our keys in the XXXX box, since their desk was not open. We were, needless to say, surprised when the charge came through for the entire amount of our rental, {$160.00}.
As soon as we saw that charge on our credit card, we filed a {$120.00} dispute with Citibank. We waited until XXXX XXXX to get any response from Citibank. On that date, Citibank wrote us a letter with XXXX response enclosed. XXXX did not acknowledge the crux of our dispute at all in this letter, instead simply stating that the amount of our bill was {$160.00}. They did not even reference the {$120.00} XXXX gift certificates that they had received as payment.
I strongly object to the idea that at this point I needed to provide further " evidence '' to Citibank to get them to respond reasonably. I was OVERcharged on this bill, and XXXX had gift certificates at its disposal to recover this {$120.00}. Recovering that {$120.00} should be XXXX problem, not mine. At this point, Citibank insisted that they needed " documentation proving [ I ] should have been billed an amount other than what the merchant posted to [ my ] account. '' On the telephone, one of Citibank 's agents suggested that I should have obtained a receipt showing that XXXX accepted my gift certificates.
This is an entirely unreasonable request, and it 's not the way the world works. When you give gift certificates for payment, you do not receive a receipt. REGARDLESS, I spoke with the manager of XXXX in XXXX, MA and she asked me to e-mail her the gift certificates. When I spoke with this manager, it was on a 3-way call, with Citibank on the line. The purpose of this e-mail -- cc : ed to Citibank -- was to provide Citibank with the " receipt '' they were requesting.
After all of this, today Citibank refuses to resolve this dispute in my favor. Their position is that I have not given them " documentation proving I should have been billed an amount other than what the merchant posted. '' All of this is a classic stonewalling tactic. It is clear to me that staff at Citibank have been given a narrow instruction in order to avoid looking at the actual facts of a situation to resolve them with any degree of judgment. This is a simple complaint, and I have gone above and beyond over 2-1/2 months to provide Citibank with everything they have asked, whether reasonable or not. It should not be this hard for consumers to recover money they are owed. I do n't understand why human beings are employed at Citibank when they do little other than repeat boilerplate verbiage and are not empowered to provide real help to their customers.
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| 05/28/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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We began building our home in XXXX. By the time it was finished in XXXX and the real estate market had crashed, we had no choice but to convert from the Citi construction loan to the ARM offered by Citi Mortgage. In XXXX we told them that we were struggling to make payments and that when the payment adjusted up in XXXX XXXX, we would not be able to make the payments. They encouraged us to apply for a loan modification. After months of sending financial information to them they denied our request for a modification, saying we were making our payments and had no need for a modification.
In Fall XXXX we asked Citi about doing a short sale. We followed Citi 's requirements for short sale by putting our home on the market in XXXX for several months with no offers. We then completed a short sale application which Citi received on XXXX XXXX. Our assigned Citi rep, XXXX XXXX, told us that we could move forward with the short sale process saying in an email on XXXX XXXX, XXXX, " The documents you have sent over have been received and now all we need are documents from your realtor once you have a buyer on the home. " We received an offer on XXXX XXXX which we accepted per Citi instructions and sent to them. ( Citi has never responded to that offer ). After sending the offer to Citi, they required us to re-sign all our contract paperwork with our real estate agent and then wanted revised offer paperwork. These requests trickled in from Citi over many weeks.
Suddenly on XXXX XXXX we received an email via our real estate agent from a new Citi rep, XXXX XXXX XXXX, to complete an entirely new application, including additional information not originally asked for. We were shocked that XXXX XXXX had sent this request for our private, personal and business financial information to our real estate agent and not directly to us. We communicated to her through our real estate agent that it would take us a couple of weeks to pull all this together since XXXX was in the middle of moving her office and XXXX had a week scheduled out of town. Additionally our accountant needed to be given time to do XXXX P & Ls. When XXXX sent XXXX XXXX XXXX a clarification question on XXXX XXXX, XXXX XXXX responded on XXXX XXXX that since we had just ended a quarter they now needed the first quarter of XXXX in addition to what she had already requested. Our accountant had already completed and charged us for his work and we had faxed reams of financial information to Citi per XXXX 's XXXX XXXX request.
We calculated that we had been given only 9 days to complete an entirely new application and not told we had a deadline or we would have to submit an entirely different ( subsequent ) quarter. XXXX XXXX was not forthcoming with deadlines.
We have had conflicting information from Citi. XXXX XXXX told us by email that documents expire after 120 days while her supervisor, XXXX, told us by phone 4 weeks later that they expire in 90 days. XXXX also told us that we had never been approved for a short sale and that our original rep, XXXX XXXX, was no longer with the company.
It is our position that our documents would not have " expired '' had Citi acted in a timely way on the offer that came in above the appraised value of the home. Citi caused our documents to " expire. '' They have asked us for new quarter information XXXX times, including multiple bank statements, P & Ls, detailed business expenses and now they are asking for XXXX tax returns after we sent XXXX in XXXX which they originally requested. Their actions have caused us increased expense and significant loss of time and health due to the stress of their harassment.
Additionally, we have received daily collections calls from Citi with the callers having no information that we have applied for a short sale.
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| 06/15/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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In XXXX of 2022, I opened a new online account with Citibank and funded it by transferring a total of XXXX ( via ACH transfers ) from my savings account with XXXX XXXX and checking account with XXXX XXXX XXXX XXXX. Shortly after the money was in the account, Citibank froze my account and notified me via email that the account was going to be closed. They stated that I violated one of the terms in the client manual. I called customer service and asked for an explanation of why the account was closed ; they would not tell me what term I violated. They said that I would be receiving a letter in the mail, that would tell me why my account was closed and that they would send the money back to me in 30-60 days.
Nearly a month after receiving the email, ( early in XX/XX/2022 ) I received a cashiers check in the mail from Citibank for the sum of only XXXX. I called to see where the rest of the money was and to explain that I still hadnt received a letter. I was told I needed to be patient and that they couldnt tell me anymore than that. It has been more than 60 days since I received the XXXX and nearly 90 days since my account was frozen. The remaining XXXX has not been returned to me. I still have not received the letter that I was promised. I have called several times and they have refused to tell me anything.
Note : Please see unreturned funds sent from XXXX. XXXX XXXX to CitiBank ( Found on attachments ) XXXX ... XXXX XXXX ... XXXX XXXX ... XXXX I went to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( the closest branch is 2+ hours from my house ) last week ( Tuesday XX/XX/XXXX ) to try and receive some help in the matter. I provided my ID ( so they could see it was me ) along with bank statements from the accounts the money was transferred from. I also showed them ACH trace numbers that XXXX XXXX XXXX XXXX provided me with when the money was transferred from XXXX XXXX to Citibank. The branch representative called customer service and again, customer service was not very helpful ( even though the branch representative told customer service that I was in the bank with proof that the money had not been returned ). They told the branch representative to tell me that the missing XXXX was sent back to where it came from and that was as much information as they would provide. I was told by the branch representative that customer service would reach out to me in 24-48 hours and provide a way for me to send them documents in order to prove where the money came from and that I have not yet received the money back.
It has now been over a week and Citibank has not yet reached out to me. I have checked with XXXX XXXX XXXX XXXX and confirmed that they have not received anything on my behalf from Citibank. Citibank will not tell me how ( IE, via check or ACH transfer ) and to where the money was returned. Citibank has an obligation to tell me where the money was sent without me having to hunt for it. This is banking negligence and malpractice at its finest. This money is large percentage of our ( my husband and I ) life savings and were getting to the point where we may have to make other arrangements to fulfill some of our obligations if this money is not returned in a timely manner. I'm also very upset about being kept in the dark about everything. It would be one thing for them to tell me what's going on and this is when you should expect your money back. However, they are causing me much unnecessary stress and anguish over the uncertainty of what's going on and when/how/if I'm going to get the money returned. Please tell me where it was sent, how it was sent and what my expectations should be. Citibank needs to know that they have caused undue stress in my life and have made me lose confidence in banking in general.
|
| 08/01/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
I was contacted by Shell/Citibank Fraud Alert on XX/XX/XXXX regarding an attempted fraudulent charge on my account. I indicated that the charge was not mine. Instead of stopping the charge, they allowed it and I was billed at the end of the XXXX billing cycle. I contacted Citibank in early XXXX and was advised that they would reverse the charge and send out a new card for the one used in the fraud. No new card was sent at that time and the charge was not erased on the XXXX billing cycle. Called back in XXXX and was told that the charge was not a fraud charge but was an internal transfer of a previous fraud charge on my account in XXXX, XXXX. I had changed from the Shell Drive for 5 card to the Shell Rewards card and they indicated that a previous fraud charge was being billed to the new account. I had previously been credited in XXXX for the XXXX fraud charge so I assumed that they would also reapply the credit since it had already been resolved. As of XXXX the fraud charge has not been removed. I have had several conversations with Citibank and opened 3 or 4 fraud reports. Since the fraudulent charge occurred on the old account numbers the Citibank fraud team has not opened their fraud investigations on the proper account at least 3 of those times. They have always opened the fraud investigation under the new account numbers. The fraud investigators don't find anything and and close the investigation with no feedback to the person who created the initial claim. Since XXXX I have been told two different stores - 1 ) not a real fraud charge just an internal transfer and 2 ) really a fraud charge and finally had a new card issued in XXXX two months after Shell/Citibank actually contacted me about the fraud attempt. I pay my bill in full every month but because I was advised that I was not responsible for this XXXX charge I have deducted this from the payment. I closed the account out of frustration because of being misdirected by Citibank on so many different occasions and because they seemingly can not execute on getting this issue resolved. In a recent phone call I was advised that the previous accounts attached to the `` Drive for 5 '' card are in fact still open. I have no idea why those accounts are still open as I used Shell 's website link when I was logged into my online account to " upgrade '' to the Shell " Fuel Rewards '' card. I don't understand why the original account was left open when the new accounts were created. Additionally, the fraudulent charge occurred on the old account numbers but is showing up on the statement with the new account number/card. As a result of this as of XX/XX/XXXX a credit has finally been issued for the {$85.00} on the old account number but my new account number still has a {$170.00} balance because of the interest charges they have applied against my account as well as the late fees for the past two months. And today I was alerted by my credit monitoring that they are now reporting me as past due to credit agencies. I pay my bill in full every month but have deducted this charge and the interest amounts as well as fees based on them telling me that I am not responsible for either the charge, the interest charges or fees. The company looks like utter confusion because their Security and Fraud division have given different reports of the issue at hand. Last contact with them was on Thursday XX/XX/XXXX where I had to request that the credit applied to the old account be moved to the new account. I was told it would take 7-10 business days for that to happen. As of this morning, it hasn't. I suspect that next I'll have to call them back to remind them to remove the interest charges and fees. I can only imagine what I'll have to do to have the past due issues with credit agencies resolved.
|
| 10/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I am writing regarding the recent notice I received from my credit card company, CITI, requiring me to agree to receive statements and legal notices electronically in order to maintain digital access to my account. I believe this policy may be illegal for the following reasons : 1. The Electronic Signatures in Global and National Commerce Act ( ESIGN ) states that companies can not require electronic delivery of statements and notices as the sole means of delivery unless the consumer consents electronically in a manner that demonstrates the consumer can access information electronically. While CITI is requesting my consent, they are also threatening to revoke digital account access if I do not consent, which may run afoul of ESIGN 's requirements.
2. The ESIGN Act also requires companies to provide consumers with notice of their right to withdraw consent to electronic delivery and provide alternate means of delivery at no additional cost. The CITI notice does not mention my right to withdraw consent or obtain paper statements.
3. The Truth in Lending Act requires credit card companies to provide periodic statements in writing at least 21 days before payment is due. While electronic delivery satisfies the " in writing '' requirement, CITI 's threat to revoke all digital access if I do not consent could prevent me from receiving any statements as required by TILA.
4. The Fair Credit Billing Act establishes consumer rights in the billing process, including the right to receive prompt crediting of payments and corrections of billing errors. If CITI revokes my digital access for failure to consent to e-statements, I would lose my ability to quickly identify and dispute potential errors in my bill.
In summary, CITI 's policy requiring consent to paperless statements or else face denial of access to my account information appears to contradict consumer protections under ESIGN, TILA, and the FCBA. I urge you to look into this matter to ensure companies are not unlawfully coercing consumers into electronic contracts. Please let me know if I can provide any additional information. Thank you for your time and attention.
-- -- -- -- -- -- -- -- -- -- -- -- -- Action Needed : Agree to go Paperless to maintain digital access to your account ( s ) Were requiring you to go Paperless to maintain digital access to your account ( s ). This means your statements and legal notices will be provided only on Citi.com and the Citi Mobile App.
Not ready? We will remind you one more time. After that, authorizing Paperless Statements and Legal Notices will be required or you will not be able to access your account ( s ) on Citi.com and the Citi Mobile App to make payments, view transactions, or use any other digital features.
After selecting 'I Authorize ', you can always switch back to paper delivery on your 'Paperless Settings ' screen and maintain digital access. Go to 'Services >> Statement & Documents ' on Citi.com or 'Profile >> Statements & Communications Preferences ' on the Citi Mobile App .
Paperless delivery is secure and convenient.
Automatically receive payment due reminders on credit card account ( s ) Immediate access to past 24 months of statements ( 12 months if not Paperless ) No statements will be lost or stolen in the mail By clicking " I Authorize '' I agree to the Paperless Terms and Conditions and understand that I will receive my statements and some legal notices electronically only instead of through the US mail. The Paperless Terms and Conditions provide more details, including the system requirements to view documents, and how to get a paper copy or cancel Paperless. I also agree to the Alerts Terms and Conditions and understand that Citi will send me an email alert five days before my credit card payment is due.
|
| 08/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
Older American |
|
and I am writing this letter to inform you about a dispute that I filed with CIT BANK and has been denied to be refunded after all the explanations, documents, report I have made to notify CIT that a BIG SCAM was initiated with my account.
Below, are the emails I have received from the so called company XXXX XXXX stating that they will refund me my money and till today nothing has been done. I have called you dispute department many times, speak to different supervisors, seeking for their help to let me recover my money, all they say do not worry CITI BANK is doing their best. The next day, I get a letter that it has been denied. I have tried everyday to see how I can fight for my refund but everytime I call, the supervisor will say, a letter has been mailed. I do not feel that this is right that I am being treated wrongfully. My account with your bank was scammed including the use of XXXX.
It all started last XX/XX/XXXX I was trying to find a transmission for my car and I came across this company called XXXX XXXX XXXX name is XXXX XXXX ). The man on the phone by the name of XXXX XXXX XXXX XXXX XXXX said they will deliver the merchandise Monday XX/XX/XXXX. He then instructed me to gt into my account with CITI after which could see that he was doing transactions in my account. I ask him what is XXXX said that is how they will get paid {$500.00} issued to XXXX XXXX and another {$500.00} issued to XXXX XXXX. Being XXXX XXXX XXXX what could I do. When Monday came, no delivery whatsoever. I then called CITI bank right away and informed them of what transpired, to cancel whatever has been done. Your representative from CITI sand not to worry. CITI protects the customers all the way.
So I waited and was told to file a dispute and I did over and over again. Finally the last XXXX, XXXX reopened anther case number and said she will explain to the higher management department what scam was committed. I notified her this morning that there are 2 things CITI Dispute division should know : XXXX I called XXXX XX/XX/XXXX XXXX AND FILED A DISPUTE AND COMPLAIN against my account using XXXX to XXXX a payment. I was told by the employee that it is only CITI who can reverse the amount if it is a scam that was committed on my account. He said especially CITI BANK, XXXX, XXXX XXXX XXXX XXXX XXXX These are banks who protect their customers.
XXXX I made a call yesterday morning to the man XXXX XXXX and was able to speak to him and ask if I was refunded, I told him NO and he said hold on, next think I know he was in my account by typing the word XXXX. I asked him why can he see my account and said that I should make a deposit of XXXX to my account since I only had {$4.00} cents balance. He goes into my transaction and saw there was a withdrawal of {$12000.00} and another for {$7000.00}. He ask me where is the money and I said it was for the funeral expenses for my brother XXXX XXXX, consisting of the coffin, plot, church funeral parlor and more. He said the only way he can refund my money is if I will make the deposit to CITI bank. Then he close the phone and had it disconnected.
I happen to be a victim of being scammed by them for {$19000.00} and I had to fight my way to recover my money. I made a report to the FBI, made a police report with XXXX Police XXXX, wrote a letter to XXXX XXXX, wrote a letter to CITI bank and went to XXXX XXXX as well. With the help of XXXX and hard work, XXXX finally refunded me. But now, CITI is the one that is giving me a very very hard time.
Please I beg kneeling down through this email and look into my case of being a victim of the scammers who get XXXX XXXX
I apologize for emailing you directly but as a XXXX XXXX XXXX XXXX who lives on social security, I was left with another alternative and seek for your help.
|
| 11/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XX/XX/2019 REF : COMPLAINT ON CITI ON CONSUMER FINANCIAL PROTECTION BUREAU The incident was initiated in XX/XX/2019 when my brother has the home foreclosure and the family was seeking out the loan to help him. They came to the loan company : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Alaska XXXX XXXX https : XXXX XX/XX/XXXXXX/XX/XXXX: XXXX XXXX, Director ( XXXX ) Direct line XXXX XXXX, CFO ( XXXX ) XXXX XXXX, Senior Account Manager ( XXXX ) This loan company ( XXXX ) got hold of my cards in XX/XX/2019 and claimed that they needed the physical cards to process the loan to the card and transferred to my brothers bank for loan . The credit card on file and the physical cards are the loan requirement. I had never done any business with XXXXloan company before. The loan amount was {$60000.00}. My brother did not receive any loan as promised.
There was XXXX balance in my CITI Bank card before the XXXX XXXX was using my credit card and made charges. They claimed to load the loan to the credit card by using the card and transferred to the XXXX XXXX for my brother. No loan was received.
In XXXX, I filed the Fraud claim against XXXX XXXX and they called me back and said that they would not pay for all the credit adjustment if there was a Fraud claim against them. They asked me to close the case and they would not pay. In good faith, I was trying to work with XXXX directly myself. I closed the Fraud claims with 9 credit card banks, including the CITI. I was told that the XXXX would pay for all credit adjustment in XX/XX/2019. It was dishonored.
I tried to reopen the Fraud claims against the XXXX in XX/XX/2019. CITI however refused the SECOND CHANCE on FRAUD dispute and declined to reopen the claim on my behalf.
I was bounced between the Fraud and Billing dispute departments. The Fraud declined to take my case as the loan company was given the card info and had the card. I explained to the Fraud team that the card was provided for loading the loan to the card purpose ONLY. Then, I was told to submit all the documents to Billing dispute instead. CITI claimed that I accepted all the transactions as valid in XXXX and they would not reopen the Fraud case even though these are the Fraud charges. The card was given to the loan company for loading the fund and any reason deviated from the original intent was FRAUD. However, CITI FRAUD DEPARTMENT DID NOT LISTEN AND REFUSED FILING ANY FRAUD CLAIM, DENYING THAT IT WAS FRAUD.
Accordingly, the Billing dispute declined the claim, saying that it should be handled by Fraud team.
The reason I closed the Fraud claim in XX/XX/2019 as I was trying to work with the loan company in good faith, but the Fraud claim ITSELF WAS VALID.
It is the FRAUD that the loan company did not honor what they promised and fraudulently charged the {$3300.00} on the CITI credit card, fraudulently claiming that it was for the loan processing for the loan.
I am seeking that CITI can reverse the fund that was fraudulently charged to my CITI credit card.
I have filed the Criminal report at the State of Alaska against the XXXX XXXX, police report in XXXX, FBI online, XXXX, Attorney General complaint, NC and Federal Trade Commission, NC.
Thank you for your meditation in this process and I look forward to hearing from you the positive resolution in this FRAUD CLAIM.
Best, XXXX XXXX XXXX ( XXXX ) XXXX XXXX This Financial Crime involves the total balances of approx.. {$120000.00} for 9 credit cards XXXX {$5600.00} XXXX {$24000.00} XXXX XXXX {$39000.00} XXXX XXXX ( {$3400.00} my own expenses ) XXXX XXXX {$3200.00} XXXX XXXX ) {$1100.00} XXXX XXXX {$18000.00} ( My own expense is {$440.00} ) XXXX XXXX {$3700.00} CITI {$3300.00} Thank you for your review and all my credit cards were closed by the banks in XXXXXX/XX/2019.
|
| 04/27/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
I was contacted DSNB/Macy 's on or about XX/XX/XXXX and the representative told me that there were charges on my account that were suspicious so they asked if they could read the charges off to me one by one and I would tell them which were mine or not. They stated XXXX charges which were not mine. Then they said that they would send me a statement of fraud to fill out, which I did and returned within about 2 weeks and it would take them 60-90 days to process. Then I received a letter in XX/XX/XXXX stating that they were going to lower my credit limit, so I then called again and I was transferred to collections. I then sent in XXXX letters on XXXX separate dates stating that these charges were fraud, I paid off my valid charges and filed a police report. I also received a letter XX/XX/XXXX that stated that my charges were found not be fraud which was allegedly sent in error because the fraud department said that the investigation was still ongoing. In XXXX XXXX, I placed yet another call to the fraud department and was informed that my claim was processed incorrectly and they just closed my account, issued a new card but never flagged the charges as fraud so I had to fill out another fraud affidavit which I mailed and faxed back and was told it would take another 60-90 days to process the claim. Then in XXXX XXXX, I received a collection letter giving me payment options and I called customer service and was informed that my claim came back as not fraud and I asked for a manager, they would not transfer me and then said they could have their manager call back which they never did. Then on XXXX XXXX, XXXX, I spoke with a representative in the " consumer protection '' or fraud department again and they said that the fraud investigation was ongoing and that they would expedite it. After this call, in XXXX for the period of a week I received 18 collection calls to my home during the day while I was at work. I then had to call Fraud dept to have them have the calls stopped since this was fraud. Then on XXXX XXXX, XXXX I called and was told that it could take another 3 weeks for the fraud investigation to be completed. In XXXX XXXX, I was advised that my account was charged off to Citibank even though there was a pending fraud investigation and I was never given an answer as to whether the charges were deemed fraud or not, and that I would have to contact them. When I contacted Citibank they were unable to help me and directed me back to the fraud department at Macys in which they stated that they didnt understand why the account was charged off since it shouldnt have been with a pending fraud claim. XX/XX/XXXX, I tried calling the fraud department at least 5 times being on hold for times of up to 30 mins and with no one answering the phone and I could n't be on hold for an hour. I then called again and finally got in touch with someone and was on the phone for my whole lunch hour and had to hang up because I had to go to work. I was advised that a manager was going to remove the charges, fix my credit and contact Citibank to clear anything up within 3 business days. I then received a collection letter from XXXX XXXX XXXX which tried to collect the money from me. I then called another 4 times to the Fraud department to see what was going on with my charges being removed and yet again there was unbelievable wait times.
On XXXX XXXX, XXXX, I called and finally got someone on the phone and was on the phone for a total of 45 minutes and was told that the charges have not been removed and they would have to speak to manager about it and I would have to call back again. A few days later I called back and was told that since the account was charged off that they would have to do another fraud investigation which could take another 90 days.
|
| 12/22/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
I purchased a couch and ottoman from Macys in XXXX XXXX. I was incredibly happy with my purchase and with the delivery services of Macys. The couch was for my first apartment on my own, in WashingtonXXXX. I had one year to pay for the couch with no interest, using the Macys credit card that I opened to purchase the couch. The payments began in XXXX XXXX, even though the couch was delivered in XXXX.
Based on the date the payments began, I believed I had until XXXX XXXX ( XXXX year XXXX to pay off the entire balance of the credit card and calculated my monthly payments accordingly - and set up automatic payments so to always pay on time. So, you will imagine my surprise when, on XXXX XXXX, XXXX, I discover that all of the interest for the couch and ottoman ( which originally cost about {$900.00} XXXX had been added to my monthly statement, even though the outstanding balance was approximately {$150.00} at this point.
I spent hours on the phone trying to resolve this in the beginning of XXXX and believed I had. The customer service agent agreed to waive the interest and I paid the entire balance of the credit card on the phone that day. I believed I was done. I asked if the automatic payments would be turned off in a subsequent phone call, and was assured they had been.
Later, on XXXX XXXX, XXXX, {$62.00} was taken out of my XXXX checking account by Macys ( documents enclosed ). I contacted Macys about this on XXXX XXXX, XXXX and was assured the situation would be resolved if I faxed in proof of the withdrawal by Macys. I was promised that I was no longer carrying a balance on my credit card during this phone call ( which I asked about explicitly ). I faxed in the requested information immediately ( documents enclosed ). At this point I had spoken to the employees with the following IDs : XXXX and XXXX.
Not only was the situation not resolved, but an additional {$61.00} was taken out of my checking account on XXXX XXXX, XXXX. I again contacted Macys about this. I spoke to XXXXEmployee ID XXXX on XXXX XXXX, XXXX. She told me to re-fax my information to Macys ( to a different fax number and to her attention - documents enclosed XXXX. She told me she could not give me a direct number to follow-up, but she assured me that she would call me on Monday, XXXX XXXX at XXXX XXXX to confirm that the situation was being resolved. I never received a call from her that day or any other day.
On XXXX XXXX, XXXX, I called Macys yet again and spoke to a supervisor, XXXX XXXX ( XXXX ). She told me I did not need to re-send the previously faxed information. After a lengthy phone call, she told me this would be resolved within 7-10 business days and that she would personally make sure this situation was handled and that I received the {$120.00} I never received the funds from Macys. I have called XXXX XXXX between 3-5 times since our conversation on XXXX XXXX, XXXX. I have left between XXXX voicemails - each XXXX including my name and cell phone number. I have never once received a phone call back.
Today, I was checking my credit score and credit history as I received communication from XXXX that my personal information had been hacked, and I discovered that Macys is still reporting that I have an outstanding balance of {$260.00} on my Macys Credit Card.
I have never before experienced such blatant lying and failure to fix a problem by so many employees within XXXX company. I have exhausted all reasonable channels available to me and I still do not have my {$120.00} that Macys wrongfully withdrew from my XXXX checking account. And now my credit is also being affected. I have filed a complaint with the XXXX and I have included XXXX XXXX 's name and contact information. My next recourse is legal action, which I hope will not be necessary.
|
| 01/13/2017 |
Yes |
|
|
|
Web |
|
|
In XXXX XXXX, my credit card company claims that I logged into my account and agreed to paperless statements. I have not logged into this account in more than a year, paying my bills via automated phone or check by mail. Additionally in XXXX XXXX, I was hospitalized XXXX due to complication related to my XXXX XXXX. I never rec 'd a statement from Citi for XXXX. When I return home for hospital in XXXX, I was shocked to find a voicemail from Citi indicating that my payment was now very late and I had accrued late fees. I called and spoke to them about the matter. I explained that I had been very ill, and further I did not receive a statement in the mail. They assured me they would reverse the late fees and that this infraction had not been reported as a late pay on my credit bureau.
In XXXX of XXXX, I again did not receive a statement and consequently had an additional late payment and fees. Called again, was assured they would reverse the late fees and still no clear answer as to why my statements were not arriving in my mail.
In XXXX I was hospitalized again ( much more serious episode ) and remained in critical condition for days. Once I returned home, I once more did not have a statement, and was contacted again by Citi about my late payment and fees. I explained the circumstances, and they once more said that the fees would be reversed. I believe the same situation played out again in either XXXX or XXXX of XXXX. I called again and explained that I had not received the statement and how can this possibly keep happening?
On XXXX XXXX, XXXX I again received a call that my payment was late and that I owe more than {$100.00} in late fees. I was transferred twice until I finally got a supervisor. After all of my calls and wondering where on earth my billing statements were going, it turns out that I was switched to automatic pay without my consent or knowledge. The supervisor tried to tell me that I had in fact signed in to request paperless ( I had not ). She asked if I gave my account login info to anyone else ( i have never ). Then, I asked a simple and direct question of her : how many times have I called in between XXXX XXXX and today XXXX of XXXX? She responded that I made at least 5 calls. She then said " I think we are getting off the point here ''. I responded that this is EXACTLY the point. I have called 5 times in 6 months telling all agents and supervisors that I am not receiving my statements in the mail and therefore forgetting to pay. Why had nobody in 5 separate phone calls checked to see if there could be a possible reason on their end why I was not receiving statements by mail ... and exactly coinciding with the time frame when I became " paperless ''. Citi 's polity is to only credit back XXXX late fee per year period. Thus, I am stuck with more than {$600.00} in late fees & penalties that I feel really are not my fault. I was told they could not help me further and to contact the Office of the President if I wish.
A final concern during this most recent call was that I said well, I am prepared to make a payment today now that I know that I have a payment due. I told her to process it for an amount that was more than double the minimum payment. Her response was " well that will take care of you XXXX and XXXX payment then. I was confused by this and said, no I wish to pay this amount for XXXX and she again tried to force me to split the payment between XXXX and XXXX since I was making a sizable payment. I am a bit more savvy perhaps, and I saw this scam coming from a mile away. It is insidious that a credit card company would try to bully clients into payment in advance ( in an over pay situation ) as that really creates a minimum payment situation for two months, and they can collect more finance charges.
|
| 03/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XX/XX/2023 To Whom It May Concern, I am writing because Citibank closed a regular checking account I recently opened with them without notice and will not return XXXX that was in the account to me for at least sixty to ninety days. Additionally, my last conversation with bank representatives cast doubt on both the method they would be using to return these funds as well as the amount that would be returned.
In short, although I have spent many hours talking with various Citibank representatives, I can not get a straight answer from Citibank as to why they did this or exactly how I am going to get my money back.
Additionally, this money represents all of my liquid savings and not having access to it for several months is a hardship.
Citibanks only communication with me was after the account was closed in the form of a standardized email stating that my account had been closed because I had broken their user agreement. This is false.
This account was new and I have had only a few very standard transactions with Citibank.
At first, Citibank representatives said that a paycheck from the XXXX XXXX where I work was flagged and that this was the issue. Later conversations, however, showed that this check had cleared. The new reason given was that there was an issue with my initial deposit with Citibank from my old bank, XXXX XXXX XXXX
However, any issue with this deposit seems to have been caused by an error on Citibanks part as documented in both their records as well as in the final statement from my previous bank, XXXX XXXX XXXX the bank from which I made the initial deposit into this account.
Copies of both bank statements are attached for your review.
According to records from XXXX XXXX XXXX after I made my first deposit into the new Citibank account a transfer of {$12000.00} on XX/XX/2023 Citibank returned the entire deposit to XXXX XXXX XXXX on XX/XX/2023 for some unknown reason.
The following day I noticed that my balance at Citibank was XXXX and assumed the transfer hadnt gone through. There was nothing to indicate anything was pending and there had been no communication from either bank, so I made the transfer request again on XX/XX/2023. This time the transfer worked and everything seemed fine for the next few weeks.
This activity is all reflected in the attached final statement from XXXX XXXX XXXX XXXX
Citibanks records differ from XXXX XXXX XXXX and seem to reveal they made an error by initially crediting me with a double deposit on XX/XX/2023 something clearly not reflected XXXX XXXX XXXX records which show I made exactly one deposit to Citibank on that date for {$12000.00}.
Citibank then lists a debit of {$12000.00} from something called XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/2023 clearly impossible as XXXX XXXX XXXX received the return of my initial deposit two days earlier on XX/XX/2023.
It was only after seeing a XXXX balance in my account that I made a second request for a transfer on XX/XX/2023 as reflected in the XXXX XXXX XXXX statement.
I then closed out my account at XXXX XXXX XXXX.
Shortly thereafter, Citibank closed my account without warning or valid reason and is holding my funds for an unreasonable amount of time. This extreme action was unnecessary as Citibank could have frozen the account for a short time and contacted me and a brief investigation would have cleared up this matter in a short period of time. Instead, Citibank took actions which have prevented me from accessing all of my liquid savings for a long period of time, causing me great hardship.
I would be grateful if your agency could help me sort this out and possibly convince Citibank to release my funds ASAP, the total of which should be XXXX in the form of a certified check.
Thanks for your help.
Sincerely, XXXX XXXX
|
| 06/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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I bought a computer from Best Buy in late XX/XX/2020 and also bought the XXXX XXXX protection to help me with the computer set-up. ( I did not write to you prior to this because I had never heard of you until now. ) I needed help setting up my computer and went online and XXXX the best buy telephone number on or around XX/XX/2020. The Best Buy logo showed up with their telephone number. I called the number and the man answered very professionally stating that he was a Best Buy rep and he needed to get into my computer to help fix the problem. I know this was a normal procedure as Best Buy reps had come into my computer remotely before. When I let him in, the screen once again showed the Best Buy logo. He said not to worry and he would fix my problem and to leave the computer on. He said I would be receiving some things in the mail to fix my computer and to call him back when the box arrived. I said that would be fine although at that point I was a bit suspicious. The next day the man called me up to see if the box arrived. I thought that sounded even more suspicious as I never had a Best Buy employee call me first so I turned off the computer. So when the package came he called me and wanted the numbers on the cards. I had received a router and 3 game cards. I did not give that to him and instead went to Best Buy to ask if this was real. They said it sounded suspicious. They took back the router and refunded me the money, but said they could not give me the money for the game cards. They said not to worry though, that Citicard was very good about that. They also had 3 game cards emailed ( digital game cards ) so I had a total charge of {$600.00} ( eventually, because, I had held onto one card, and returned to Best Buy several times, one manager finally did give me a refund for the one game card I still had in my possession. So the total was then {$500.00} owed back to me.
I have been in battle with Citicard ever since. They wrote me back in XX/XX/2020 and told me that I was not entitled to the money back. I called them up and they said that it was not fraud!! I went to the police with the issue and they said it was fraud. ( See attached police report. ) I reopened the case several times with them and was on the phone many times with them for hours upon hours on end. Citicard is claiming that it was not fraud and they will not credit me the money. They said it was a scam and I am responsible This is the definitional of fraud from the XXXX XXXX dictionary : intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right b : an act of deceiving or misrepresenting : TRICK This is what was done to me and the police agreed!! But Citicard did not. On XX/XX/2020, I spoke to someone in the Citibank in America named XXXX. She felt horribly and worked hard to try to get me the money back. She spoke to someone else and I was on hold for about another hour, but at least I felt I was getting help. At that point, I was told that they were going to give me my money back. On XX/XX/2020, I spoke o XXXX who told me I would be getting the {$500.00} back. I did in fact get it into my account and I received a letter in XX/XX/2020 that they were reversing the refund and they were charging me again! So now I have another {$500.00} charge on my Best buy card because they reversed it!! This is harassment and I have another issue with them with another charge at XXXX XXXX XXXX XXXX Unbelievable. I have a high credit score and I am not appreciating what they are doing to me as I am continuing to pay these bills for fear not paying them will lower my score.
I would greatly appreciate your help. I will attach as many attachments as your system will allow.
Thank you, Kindest regards, XXXX XXXX
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| 03/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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This complaint pertains to the failure of Citibank to remove an unauthorized charge on my Citibank XXXX XXXX XXXX Mastercard. After alerting Citibank of an unauthorized charge on my Mastercard account. Citibank simply closed that Mastercard account attempted to open a new Mastercard account in my name, transferred the unauthorized charges to the new Mastercard account and attached additional fees and interest to the new Mastercard based on my not paying the original unauthorized charges.
The initial billing error was for charges totaling {$150.00} on my Citibank XXXX XXXX XXXX Mastercard with account no. ending in XXXX. The {$150.00} charge includes a charge of XXXX plus a fee of {$28.00} plus interest of {$2.00}. These charges have since been transferred to a new card having an account no. ending in XXXX. Additional fees in the amount of {$39.00} and interest in the amount of {$3.00} have been imposed by Citibank bringing the total alleged balance to {$190.00}.
This card was originally issued by Citibank as a Sears card and was then renamed by Citibank to XXXX XXXX XXXX Mastercard. My last transaction on this Citibank Mastercard was on XX/XX/XXXX for {$4000.00} wherein I paid this account off in full. Until the unauthorized charge occurred, the only communications I received from Citibank were the updated Mastercard ending in XXXX ( which Citibank initiated ) and various advertisements. Since I do not use the card, I did not have an online account for the Citibank Mastercard.
On XX/XX/XXXX I received an email from Citibank XXXX XXXX XXXX MASTERCARD indicating that my account was past due. ( Copy attached ) I was alarmed because I have not used this card since I paid it off in full, almost one year ago. I also have not received any statements from Citibank concerning this card since I paid it off in full almost one year ago.
After receiving the email from Citibank, I made many attempts to create and access an online account on XX/XX/XXXX. I was eventually able to create a Citibank online account to retrieve copies of statements for this Mastercard. I found that there was a charge for {$110.00} to XXXX, which I am very sure I did not make. I checked my XXXX account online to confirm any credit cards that may have been used for subscription purposes, and I was able to verify that the only credit card I have ever used with XXXX is an expired Visa, not the Citibank Mastercard. The subscription service I had with XXXX expired years ago. ( A copy of that verification is attached ).
In short, I have not made any charges on this Citibank XXXX XXXX XXXX MASTERCARD since I paid it off in full almost one year ago. In addition, this Citibank Mastercard is not being used for any subscription billing purposes. The initial charge of {$150.00} on these Mastercards are in error and so are all additional fees and interest. I called the Citibank fraud protection line on XX/XX/XXXX to alert them of the unauthorized charge but was told by the Citibank representative that they would be sending me a letter which I never received. The representative offered me no help what-so-ever. Then, according to Citibanks written guidelines, I submitted a timely, written notification disputing this unauthorized charge, via express mail. In response Citibank posted a letter to my online account indicating that I am not responsible for these unauthorized charges. ( Copy of Letter attached. ) However, Citibank then closed my initial XXXX XXXX XXXX Mastercard ending in XXXX and attempted to open a new XXXX XXXX XXXX MasterCard for me ending in XXXX to which they simply transferred all of the unauthorized charges. ( Copy of Statement attached. ) They have also locked me out of this new Mastercard account online. So, I can not dispute this charge online.
|
| 12/11/2015 |
Yes |
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- Closing/Cancelling account
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Web |
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We have a Shell gasoline credit card, primarily as an emergency, as we also have a XXXX and XXXX ones as well. In XXXX while out of town we used the card once, making a purchase of lest than {$20.00}. Earlier in the calendar year Shell had sent us new cards with a new account number replacing the old XXXX. I did n't realize that with this new account number I would also be locked out of my online account, as apparently my passwords were also changed by the company, NOT ME. I tried at the end of XXXX 2015 to pay the account and could not access it online. To be honest as I work long hours I did n't make another attempt assuming I would be billed. I never received a bill or overdue statement through the US Mail. The company started calling my house recently and apparently were calling on the landline I use for business as I work from home, but this is my personal account so I do n't recall giving them this number. I recently found out that they were reporting this to the credit bureaus as a seriously overdue account with late fees accessed. Today, XXXX XXXX, 2015, I called and in a rather lengthy process paid off the account which had ballooned from a less than {$20.00} fuel purchase of to more than {$80.00}. The representative at Shell would only remove XXXX late fee when I explained to him that since receiving the new card ( which I never requested ) that I was neither able to access my online account to pay NOR had they sent me any form of bill so I did n't know what the amount due was. Moreover when I paid the bill, in excess of {$65.00}, I requested to close the account and I wanted a written confirmation sent to my home address showing that the bill was paid in full and the account closed. The representative told me he COULD NOT send me written confirmation to my home address, he could only give me a confirmation # over the phone ( XXXX ). He then was supposed to transfer me to another department to close my account but after putting me on hold I was somehow disconnected and I had to call back and go through another lengthy hold process and speak with XXXX more CSRs in order to close my account. As I previously stated I work from home and I literally had to move a meeting in order to remain on the phone with this company to get this resolved. This bill was also reported to the credit agencies even though I WAS NEVER NOTIFIED AT MY HOME ADDRESS OF THE ACCOUNT BEING DELIQUENT. I can not emphasize this point enough as I bought a new car in XXXX of this year and at that time my credit rating was very strong. I do n't believe I should have been accessed ANY late fees and quite frankly I wonder if this company deliberately did this to make some money off me as I do n't use their card pretty much at all. I would like to be refunded the late fees as they basically more than tripled the initial charge and I am in the habit of paying all of my bills on time and this would n't have happened if XXXX ) they had not replaced my card with another XXXX with a new account number ( it was NOT replacing a lost or stolen card ) without informing me that the change would impact my online accessibility and XXXX ) they never sent me ANY form of communication to my home address even though obviously they HAVE my home address which is how they sent me the card to begin with. I am especially disturbed also at their refusal to send me any written confirmation about the bill being paid and the account being closed. I thought they were required to provide me with this. I work on computers all day and pay my bills mostly online as well, but I still keep hard copies of some types of information and would have appreciated having this in writing for my records. I would still like something in writing stating that the account was closed and paid in full.
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| 10/05/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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XX/XX/2020 - I opened Checking and Savings accounts with Citibank. I transferred {$2000.00} to Checking account and {$5000.00} to Savings account.
XX/XX/2020 - Someone stole letters with a Citibank debit card and a pin code.
XX/XX/2020 - Someone use the stolen debit card to withdrew {$3000.00} with the teller in the Citibank branch.
XX/XX/2020 - Someone used the stolen debit card to make purchases in XXXX and XXXX in the amount of {$640.00}.
XXXX - I checked balance and found unauthorized transactions in my account. I locked the debit card immediately, called to Citibank and created claims for Checking and Savings accounts.
XX/XX/2020 - XX/XX/2020 - During few months I tried to return my money from Citibank. It is a third complaint about this issue. More details about my steps in the first complaint XXXX and the second complaint XXXX.
XX/XX/2020 - I created first complaint in Consumer Financial Protection Bureau. XX/XX/2020 - I received a response from Citibank through CFPB that my claim for Checking account was reopened. First complaint was closed in that time.
XX/XX/2020 - Citibank denied my claim for Checking account again in the third time.
XX/XX/2020 - I received a letter from Citibank that my claim for Savings account also was declined.
XX/XX/2020 - I received a response from Citibank through XXXX where the bank asked additional proof that I was out of the town when unauthorized transactions happened.
My statement : - I had never received letters with the debit card and pin code. I didn't authorize anyone to use my debit card. All transactions from the debit card were unauthorized.
- Unauthorized withdrawal happened XX/XX/2020 in XXXX XXXX, CA. Unauthorized purchases happened XX/XX/2020 in XXXX XXXX, CA and XXXX, CA. I was in a trip in XXXX XXXX CA from XX/XX/2020 to XX/XX/2020.
As a response for my second claim Citibank requested additional information. Let me provide it here : - Citibank quote : " When a Citicard is ordered, we never send the card and the PIN number together. Citibank mails these two items separately due to safety measures. Your Citicard was mailed on XX/XX/2020. ".
My answer : Please find the attached file " XXXX - Informed Delivery Daily Digest.pdf '' which shows that on XX/XX/XXXX I could receive 4 letters, it looks like 3 of them from Citibank. As minimum, one of the letter was sent from " XXXX Citibank drive '' so it is definitely Citibank 's letter. Despite the fact that you sent it separately they arrived in the same day. So, there is no difference if you send it in one letter or two. Feel free to check letters which you sent with my attached file.
- Citibank quote : " You have now provided a copy of the XXXX XXXX receipt showing you were out of town. We had our back office review the document and it would be denied again due your name not being listed. We ask you provide proof of payment for the XXXX XXXX by providing another receipt or your credit card receipt showing payment with your name. '' My answer : first of all, attached XXXX receipt contains my name on it, it says " XXXX : XXXX XXXX, XXXX XXXX ''. Please double check it. Just in case, I attached this receipt again " XXXX receipt.pdf '' and a snippet where you find necessary field : " XXXX receipt snippet.png ''. Secondly, I attached statement from XXXX XXXX XXXX where you can find transaction for XXXX as you requested : " XXXX ''. And, just in case, a snippet for that transaction : " XXXX.png ''.
To sum up : My debit card has " Zero liability guarantees ''. I notified Citibank about fraud in few hours as soon as I found unauthorized transactions. In accordance with the law and my Citibank debit card agreement I should not be responsible for unauthorized transactions. I didn't authorize anyone to use my card.
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| 04/08/2019 |
Yes |
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- Struggling to pay mortgage
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|
Web |
Servicemember |
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My wife and I applied for a mortgage modification approximately one year ago through Citimortgage. With our loan being a VA loan we were afforded a face to face meeting on XX/XX/XXXX and uploaded the documents to the given email. At this time our mortgage had fallen behind three payments due to fixed income and we were seeking a deferment of the payment to the end of the loan. At this point the process started and never really went anywhere. Here is a list of the dates and documents that were requested and sent.
XX/XX/XXXX -- Uniform Borrower Form, First Quarter Earning Statement-XXXX, Explanation of Hardship, VA Award Letter, XXXX XXXX XXXX XXXX pay statement, Utility Bills, HOA statement, XXXX Award Letters, XXXX, XXXX Tax returns, XXXX Missing Tax return explanation, Bank Statements 90 days ( All Accounts ).
XXXX ( Approximately ) - No communication concerning modification status other than document request.
XXXX- HOA receipt of payment was sent per request XXXX -- No communication concerning modification status other than document request.
XXXX- Second Quarter Earnings Statement-XXXX, Bank statements 90 days ( All Accounts ) XXXX -- No communication concerning modification status other than document request.
XXXX- Letter of explanation concerning property claim. Explanation of XXXX award letter for children.
XXXX -- No communication concerning modification status other than document request.
XX/XX/XXXX -- XXXX XXXX XXXX Compensation pay statement XXXX -- No communication concerning modification status other than document request.
XX/XX/XXXX -- Document signed on XX/XX/XXXX concerning XXXX profit and loss statement, Bank Statements 90 days ( All Accounts ) XX/XX/XXXX -- After several days of phone calls, children 's birth certificates were sent per Citimortgage request. Letter of explanation concerning eldest step-child birth certificate.
XXXX -- No communication concerning modification status other than document request.
XX/XX/XXXX -- Letter of explanation for eldest step-child birth certificate sent again per request.
XXXX -- No communication concerning modification status other than document request.
XX/XX/XXXX -- Bank statements 90 days ( All Accounts ), Profit and Loss statement -- XXXX, XXXX, XXXX XXXX Award Letters, XXXX XXXX change letter for step-child aging out.
XXXX -- No communication concerning modification status other than document request. This request was facilitated by standard email practices, USPS, and XXXX unlike previous request which was just email. This request was for XXXX HOA statement, XXXX Uniform Borrower Form, XXXX Wife/Co borrower birth certificate for XXXX continuance based on her age per email. Wife receives XXXX due to children drawing XXXX off father 's XXXX.
XX/XX/XXXX -- Received mail correspondence concerning current servicer Citimortgage has changed to a new servicer named XXXX XXXX XXXX & XXXX XXXX ( XXXX ). Old account and new account numbers were listed per company standards.
XXXX- Received letter from XXXX concerning debt with Citimortgage, sounding like collection letter. Listed verbiage about the Fair Debt Collections Practices Act, Informational Only purpose clause due to active bankruptcy, Debt Validation Notice, Amount of Debt, Name of Creditor : CITIMORTGAGE, Dispute of debt, Concerning XX/XX/XXXX to present all mortgage payments have been made on time. We did file a Chapter XXXX, in XXXX in which we did not reaffirm the debt. However, we do want to keep the property, still live in the property, and want to bring everything up to date. We have been advised by a XXXX representative that they can not fully take over the account until the modification is completed. They can receive payments, but can not do a modification on the account.
|
| 07/21/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
|
XXXX XXXXXXXX ( account paid in full every month ) XXXX XXXX Purchased XXXX XXXX XXXX XXXX XXXX XXXX at Home Depot XXXX, Oh The DISPUTE is over the homedepot.com employee 's error to exchange their damaged shower unit over the phone as it can not be done in the store since the shower base was installed. She entered different dollar amounts for damaged for the exchanged/replacement shower unit resulting being an overcharge balance due of {$140.00} on the current due XXXX XXXX, XXXX statement XXXX charge balance due : {$0.00} XXXX charge balance due {$1100.00} for XXXX XXXX XXXXXXXX {$750.00} and XXXX XXXX {$430.00} total {$1100.00} Paid in full check # XXXX XXXX charge balance due {$37.00} new purchases Paid in full XXXX online banking XXXX charge balance return shower regulator return CREDIT XX/XX/XXXX - {$100.00} purchase door rails XXXX with new balance = {$47.00} paid XXXX online banking = paid in full All good UNTIL... XXXX from Homedepot.com decides to exchange on her computer identical shower units- explained below entering the wrong dollar amounts.
I called the XXXX store and XXXX said to return the panel to the store and they would reorder. I believe on XX/XX/XXXX I drove to the XXXX, Ohio store with a defective/damaged section. XXXX found out we could not order only one panel. After XXXX XXXX hours at the customer service desk working with employee XXXX through HomeDepot.com XXXX XXXX XXXX said let 's credit your entire shower unit ( as the base is installed ), and can not be returned with the damaged wall panel. Then we will charge you for the same unit and the same dollar price and send it to the house for no charge since the customer has had multiple damaged units.
I agreed as long as BOTH prices ( original and replacement ) were identical and no charge for delivery to the house ( {$55.00} ). Store employee XXXX was with the entire XXXX XXXX hours. I was to take the damaged unit home. After the replacement was received I agreed to return all damaged/extra units to the XXXX store and again I paid XXXX with a truck to do so and XXXX the manager was notified and accepted the returns.
I then received the XXXX billing and it was totally incorrect. Called the store on XX/XX/XXXX to find out when XXXX was working. On XX/XX/XXXX I drove XXXX min. to XXXX again when XXXX was working. For XXXX hours XXXX and I were on the phone with the bank of the Home Depot card and Homedepot.com trying to get this overcharge resolved. They did remove the {$55.00} delivery charge. However, Homedepot.com kept saying I was still owing other money ( for return/replacement that XXXX put on the account. XXXX statement amounts {$690.00}, {$750.00}, and {$55.00} and we struggled to understand the statement to find the credit ( XXXX ) and then the {$690.00} was put into no interest for 6 months! Which no one could explain to me. The shower unit was ALREADY PAID in FULL XXXX XXXX XXXX. XXXX did NOT do what she said on speakerphone to XXXX and me. I paid check XXXX XXXXXXXX {$47.00} which was the correct balance due =paid in full.
XXXX charge balance is {$140.00} with my payment of {$47.00} AND delivery fee credit of {$55.00} with NO NEW PURCHASES. Before I left I filled a billing inquiry dispute with a very confused person at homedepot.com and have heard nothing This is me trying to figure it out : As the confusing statements had Home Depot employees were unable to figure it out beyond the error happening with homedepot.com I Paid XXXX- XXXX used {$750.00} charge exchange and ONLY my unit credit of {$550.00} = {$190.00} less {$55.00} XXXX plus int I owe nothing and have overpaid with my time and paying XXXX to pick up and return their damaged products.
If you need hard copies let me know as I do not have a scanner to attach.
Thank You.
|
| 10/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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On or about XXXX XXXX, XXXX I received a phone call from CitiBank with whom I have a MasterCard account. They informed me that there had been what they believed to be fraudulent activity on my account. There were 6 identical charge incidents of XXXX that were dated XXXX XXXX, XXXX cited as having come from XXXX with a Merchant ID of XXXX.
I informed CitiBank that these charges were not mine. The card account was closed and a new card was issued to me. I was informed that the charges had been removed from my account and that an investigation would take place.
Several weeks later, CitiBank mailed statements to me requesting my signature which I believed stated that these were not charges that had been made by me and that they were pursuing the matter with XXXX. I attached a statement that they could see that none of these charges were for my XXXX number and cited different phone numbers for each charge. I do have a XXXX but these were numbers and charges that are not related to MY phone or MY account.
I was later notified by mail that two of the charges had been permanently removed from my CitiBank account.
Recently I received another statement by mail stating that the investigation was complete and that the remaining four charges had been permanently reinstated to my account and charges were due.
I called CitiBank and I spoke to XXXX in the CitiBank fraud department and was informed that I had signed a statement making me accountable for those four charges. I was unable to convince him that a mistake may have been made and I may have made it by possibly misunderstanding the document, but I thought that was unlikely. I did become upset at his repeating that they had the legal statement with my signature for four of those charges. I had not kept a copy of the signature request statements and asked that a copy of each of those documents be sent to me.
I received the copies Monday, XXXX XXXX, XXXX.
Those statements are included in the attachments.
I pointed out that there were six identical charges of {$100.00} which were made on the same day and with the same merchant ID : XXXX which initiated their call to me as they suspected fraudulent activity was occurring. They were correct in their suspicions! Those documents were sent later for each of the six charges and I did send them back to them after signing, but I was under the impression that those statements meant that they would pursue the issue with XXXX, not expect me to pay for those charges that were not mine.
I feel like I was duped by CitiBank.
I had thought I was helping them to retrieve the money from XXXX when I signed those documents.
I had erased some of the emails CitiBank sent and did not keep a copy of the documents I signed as I had assumed that CitiBank was on my side of this dispute and that they were taking responsibility for settling the charges as fraud on my account as I did not make the charges.
The copies that I asked for and received of those signed documents are all stating that those ARE NOT charges that I had made.
Of the statements that I do have, one is one of two emails I received stating the charge is permanently removed from my account.
I have attached a series of documents with as much of the information regarding this issue as possible including my card statements and the communications from CitiBank showing the different phone numbers involved, etc.
CitiBank has declined to make any further comment other than they have my signed documents.
I did not make ANY of those six charges, do not understand why only two of them have apparently been removed and the remaining four were reinstated as charges to my new CitiBank card account, and am in hopes that you can help me resolve this issue.
Thank you XXXX XXXX XXXX
|
| 01/24/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
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Citi Bank Corp. Credit Services Attn : IRU Dispute Department XXXX XXXX XXXX XXXX , XXXX XXXX I am writing to dispute finance charges accruing on a Home Depot credit card which I was informed was through Citi Bank .
I made a purchase XX/XX/2016 at Home Depot in XXXX, XXXX. When checking out the cashier asked if I would like to apply for a Home Depot credit card and receive {$25.00} off my purchases. I always pay cash but decided to take advantage of the discount and the cashier said it would only take a minute. I agreed and she entered the information for me. I showed her my driver 's license for identification purposes. My purchase that day was I think XXXX gallons of paint and some tile. Subsequently, I NEVER RECEIVED THE CREDIT CARD NOR RECEIVED A BILL FOR ITEMS PURCHASED THAT DAY. Thereafter, I was extremely busy with the remodeling and then a hectic summer came and I forgot about the purchases and credit card. I never received a bill, credit card or any communication from Citi Bank by mail or by phone.
I received a call in late Fall from a debt collector regarding this card and charges. I was shocked and explained that I had never received a bill to pay or the credit card. I told her that I had an excellent credit rating and would never not pay a debt. She said she would give this information to Citi Bank. If the collection agency had my telephone number and I assumed after that I would hear from Home Depot ( City Bank ) and finally get a bill so I could settle this matter. I did n't hear anything else until I received paperwork in the mail from XXXX XXXX, XXXX XX/XX/XXXX. The address listed on this correspondence was XXXX XXXX XXXX XXXX, XXXX XXXX. I DO NOT RECEIVE MAIL at this address. The local post office will not forward mail on to me with this address. ( Only reason I received this was another XXXX XXXX on duty and knew me personally and put it in my box as a favor ). I called the telephone number listed on the correspondence and spoke with someone ( last name XXXX ). I explained the same story to her and she in turn said she would return it to Citi Bank. I then asked her if I could call Citi Bank. She said yes, but to wait because she had to send them her information. She also said they would contact me. NO ONE has contacted me. I was filing papers last week and came upon the papers I received and decided enough was enough - I wanted to get this settled. In trying to settle by telephone, I was channeled through an off shore collection agency. In trying to inform them I wanted to settle the account I learned that Home Depot had closed my account and sold my debt to the collection agency. They informed me they would send me a copy of my credit card application. I have not received it. I was told to write a letter disputing the charges. I was told that no one from the dispute department would speak to me by telephone. I was told this dispute may take 30 - 60 days to be reviewed - another month or two of finance charges. Time marches on and interest charges build up. I feel this is a scam in order to build up credit card interest fees and to then blackmail the customer to pay up or have their credit scores bomb.
Using common sense, someone with excellent credit scores and a history of always paying her bills in advance of due dates would pay this small credit card balance and not knowingly risk damaging her credit rating.
I want to pay for the items I charged that day XX/XX/2016. I will not pay the interest charges accrued since the initial day of purchase. I reiterate, I DID NOT RECEIVE A BILL OR THE CREDIT CARD. I AM carrying this forward to credit agency watchdogs and state and federal credit card consumer agencies. I also have found that Home Depot has dinged by credit history and I want this expunged.i
|
| 09/26/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
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I have been subjected to predatory financing, the assignment of adjustable rates that did not match our income, failure to process our paperwork in a timely fashion, and numerous occasions where Citimortgage continued foreclosure proceedings against me while we were under review for a modification. Our original loan was refinanced in prior to XXXX by XXXX XXXX XXXX. At the time, they refinanced XXXX properties at once and we feel that they were predatory in doing so. The interest rates on both properties escalated quickly and made the properties too expensive to pay. Additionally, the properties were valued at much less than what was owed. The loan process was inadequate in that XXXX held XXXX at the close of escrow to pay off my student loans. They did not pay the loans but Citi will not acknowledge that amount in the current loans. I am paying for funds that were never disbursed by the company. XXXX is no longer in business to provide the documents or escrow totals to me. Citimortgage became the holder of this property and have refused to work with me to become current. This is despite my demonstrating that I am capable of making the payment. Over the course of the past three years, I have continuously sought modifications through Citimortgage. They have consistently lost my documents which caused me to file new documents almost every 90 days. Throughout the years and most recently in XXXX, they have changed the point person without notifiying me on several occasions. I have submitted complete modification packets to the assigned person to find out months later that there was a new person as my primary contact. The primary contact would have no information about my case or would say that they had partial information about the case. Citi has encouraged us to make a payment on the account but then has later said that they had no record of the payment and could not show where the payment was credited. This was not through a trial payment but through the agent primary contact saying that we could make a payment. The co owner filed a chapter XXXX and the bank accepted payments at that time. When I attempted to continue to make payments afterwards, Citi told me that they could not accept my payments. My last loan modification request was denied. There was no reason fro the denial. I appealed the decision but faced an auction date despite that appeal and the despite the submission of a new loan modification packet. Citi representative who was my fifth point person this year requested documents and although I submitted them on the date that she requested them, I received a letter dated the next day indicating that I had not submitted the papers on time and therefore my house would still be auctioned. Although it is my desire to stay in my home, since my modification was denied, I appealed the decision but also sought loan mitigation options through Citi. I was told about the short sale option. I asked to be allowed to do that but was told that my home would have had to have been on the market for 15 days prior to my request. Since then I have completed another loan modification packet and have been told that the bank can not talk with me about the process because I am in bankruptcy. I had to file bankrupt, because that was my only option left to help me to keep my home. I am unclear as to what else to do. I am capable of making the original modification payment. The bank will not assist. Additionally, the home has a beam that runs through the center of a room which was added prior to our purchase, the insurance will not cover the repair of the beam which is resulting in the roof sagging. The bank will not acknowledge that there is an issue. I am sending a narrative at this time. Please advise as to which documents you may need.
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| 08/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I applied to Citi Prestige Thank You Rewards card on XX/XX/XXXX based on their promotional offer mailed to me that advertised 60,000 points with {$4000.00} in purchases within 90 days. I was approved, completed the required spend, and never got the advertised 60,000 bonus. Upon contacting Citibank, I was told they would investigate and get back to me. I received a letter stating that I already had a Citi Prestige card within the past 24 months and thus was not eligible for the promotional offer, even though it was mailed to me.
However, I know that this is not correct. I did previously have a Citi Prestige card. I applied for that card on XX/XX/XXXX and I closed that card by converting to a Citi Double Cash Card in XXXX of XXXX. I know with absolute certainty that I converted to Double Cash and closed the Premier account before the end of XXXX of XXXX. I actually tried to convert in XXXX of XXXX, but was told than I needed to have had the card for at least 12 months prior to converting, and need to wait until XXXX to convert to Citi Double Cash. I was told that as long as I converted within 30 days of my account anniversary, I would get the annual fee charged to my account refunded back to me. I did complete the conversion from Premier to Double Cash in XXXX, and it had to be before the XXXX of XXXX ( one month from my account anniversary on XX/XX/XXXX ). I know that because I did get my annual fee refunded to me. That wouldn't have happened if I converted any later than XX/XX/XXXX.
My application to the new credit card was on XX/XX/XXXX. That is at least 26 months since the previous account closure/conversion.
I have a letter from Citi showing that they completed the requested change on XX/XX/XXXX. That's actually two months longer than it should've been, but it is still more than 24 months from XX/XX/XXXX. Also, the XX/XX/XXXX can not be the date I requested the change as I would've been charged the annual fee since it was more than 30 days since my credit card anniversary date of XX/XX/XXXX.
I called again today and spoke to Citibank customer service. The first person I spoke to didn't introduce herself but kept insisting that I didn't close my original account until " towards the end of XXXX ''. When I asked her to give me exact date, she said she didn't have a date, but she could see it was " towards the end of XXXX. ". That was a ridiculous response, so I asked to speak to a supervisor. I spoke to supervisor XXXX. She insisted that I did not closed my old account until XXXX of XXXX. She also did not have an exact date, but insisted she could see " XXXX of XXXX '' in the system. Any attempts from my side to prove to her otherwise by providing the info I supplied above were not successful. It appears that there is an error in Citibank system that they are not willing to fix.
As a result of that, I closed all of my credit card accounts with Citibank. However, I do not want to allow Citibank to treat customers like that, and I don't believe that an error in their system or straight out lie by the supervisor is acceptable.
I am entitled to the 60,000 ThankYou point reward that was promised to me, and I still would like to receive that. I hope CFPB will help me to resolve that issue. I am attaching the supporting application from two different credit cards. I don't have anything that confirms that I requested the account to be closed in XXXX of XXXX, but I do have a letter from Citi showing they completed my request on XX/XX/XXXX. That's certainly more than 24 months before my application date of XX/XX/XXXX, and also before the date of XXXX of XXXX when supervisor XXXX insists I closed the account. I don't want to let Citi get away with lies and cheating consumers out of advertised offers.
Regards, XXXX XXXX
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| 07/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Citimortgage either through malicious intent, poor judgement, or incompetence has totally destabilized a low risk mortgage that had a very low loan to value of less than 15 %, probably closer to 10 %. They have proceeded to ruin my credit due to their actions that were unwarranted given the high credit quality of my mortgage and my long history of making my mortgage payments on time.
This 30-year mortgage with a current balance of approximately {$76000.00} was originally issued by Citimortgage in XXXX , XXXX as a 15-year conventional mortgage and was subsequently sold to XXXX . It is not a subprime loan.
I have paid my mortgage on time since late XXXX when it was issued at {$320000.00} principal outstanding. In early XXXX I was laid off from work and again in late XXXX . I continued to make payments until recently, despite my inability to gain fulltime employment. It should be noted that I had repaid my mortgage principal on an accelerated basis up until XXXX equal to approximately {$180000.00}.
In early XXXX the mortgage was formally recast by XXXX to lower the monthly principal and interest payments which were based on the original {$320000.00} outstanding The balance at that time was {$140000.00}. A formal recast does not reduce the principal outstanding nor the stated interest rate on the mortgage which was 5.25 %.
In XXXX my mortgage was refinanced at a lower interest rate at Citimortgage 's insistence ( or more likely at XXXX XXXX insistence ) when it had a balance of {$96000.00} and it was agreed I would be responsible for the escrow payments.
While the last few years have been significantly stressful, I have continued to make the {$700.00} principal and interest monthly payment with Citimortgage and paid my annual {$12000.00} in property taxes directly with my local taxing authority. I am working as an independent consultant and my cash flow on a weekly-monthly basis is not consistent and thus it makes sense for me to handle the escrow myself.
The property taxing authority is my town which is very small with a population of just over 4,000 people. Needless to say the town tax clerk knows me personally and my financial situation. While I have been delinquent with the town they have never filed a lien and if they were to file a lien I would pre-empt that filing by catching-up on my property taxes. It should be noted I am financially motivated to make this payment because the amount of equity in my home is approximately {$600000.00}.
Unfortunately, Citimortgage does not understand this even after I explained this in a letter in XXXX , XXXX . Ciitmortgage in XXXX , XXXX took it upon themselves to pay my taxes without informing me either through writing or by phoning me directly to review. My town did not call Citimortgage requesting payment. Citimortgage then reinstituted the escrow payment and consequently placed me under severe financial pressure. They agreed to release me from the escrow requirement only after I repaid the escrow deficit. Because they were continuing to charge me escrow I was forced to continue making monthly escrow payments. Thus I did n't have additional liquidity to fully repay the escrow deficit without causing a mortgage default. In XXXX this liquidity ran-out and I was forced to miss the XXXX mortgage payment including the escrow balance due. This triggered a default because I only have sufficient funding to pay the principal and interest now. In addition, this has triggered additional liquidity pressure because I had a {$50000.00} home equity loan that was providing me liquidity. This liquidity has been cut-off and thus Citimortgage 's actions have taken a stable situation as of XXXX , XXXX and completely destabilized my financial well-being!
|
| 09/25/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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In XXXX of XXXX I noticed that I was being charged by Privacy Guard on my XXXX XXXX and CitiBank debit cards of {$19.00}. I contacted XXXX XXXX and advised them that I was being charged on 2 different debit cards for their services. At that time they stated that they only had my XXXX XXXX Debit card on file that they weren't charging the CitiBank card. At that time I filed my 1st dispute with Citibank. At that time I noticed that XXXX was charging me {$19.00} also. The telephone banker told me that she'll block the merchant from pulling any more funds from my account. They wind up granting me provisional credit to my checking account ending in # XXXX, weeks later they came back and got the monies back. The reason was I didn't provide proof of disputes. I never received anything requesting my proof.
On XX/XX/XXXX, I noticed that XXXX XXXX and XXXX was still pulling from my account. Contacted Citibank telephone banking and the rep assured me again that they'll block these companies from pulling funds from my account. They transferred me to disputes again and they gave me case # XXXX. The rep that took my dispute stated that she'll send me a package via snail mail to provide proof that my other banking account was being charged too. Nothing ever came. Basically, I forgot about it.
On XX/XX/XXXX I received an email from XXXX stating that they experienced a data breach and I need to make sure I didn't have any unauthorized transactions on my banking accounts. Reviewed my XXXX XXXX, XXXX, and Citibank accounts. Noticed that my CitiBank account was still getting charged {$19.00} for XXXX and {$19.00} for XXXX XXXX. Meaning the last 2 reps never block these merchants from pulling the monies from my account. Again they filed a new dispute XXXX. I was at that time given provisional credit. 11 credits of {$19.00} and 11 credits of {$19.00} from XXXX. Then on XX/XX/XXXX I received 5 letters stating that they were taking the credits back due to the disputes were too old to dispute also they stated that they double credited me for some of the disputes so they debit my account 7 times for {$19.00} and 7 times for {$19.00}.
I stopped into my local branch and the branch manager faxed all my supporting documents to the dispute department the rep name was XXXX on XX/XX/XXXX. XXXX confirmed that she received everything she needs to proceed with the appeal and dispute. Also the Branch Manager gave me a new debit card to make sure these charges would stop pulling.
On XX/XX/XXXX I noticed that XXXX XXXX is pulling from the new debit card. I went into the branch today and the branch manager printed out the transaction history. Basically, she stated that the disputes department owes me for 17 charges. Called the disputes department again today where I was told the reason why the funds were pulled back from my account it was because they can only dispute charges within 90 days and the duplicate disputes. Explained had they stopped the charges from pulling in XXXX of XXXX. We would not be going through this now. Rep told me that I need to do an appeal. Told him that I already did on XX/XX/XXXX. He told me he had no record of it. That's when I became enraged and asked for a Supervisor where he put XXXX on the phone and she stated that she was unable to see what the branch manager sent into the disputes department. I asked could I email her the information. She ended the call by stating that she'll email the rep that the branch manager was working with on XX/XX/XXXX since she was gone for the day.
CFPB I'm coming to you to get my monies back from this bank I feel they're trying to rip me off. I want all my monies back from XXXX XXXX and XXXX plus even overdraft fees I received because of this.Please find my proof attached to this case.
|
| 11/09/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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BEST BUY credit card services through XXXX XXXX statements reflect service lines are open at XXXX ct ( XXXX ). I called XXXX on XXXX at XXXX ; first issues is that the caller is not provided option to get to a service representative for XXXX minutes. When I reached a representative named XXXX, I explained that I missed my payments as I was in FL with my Father from the end of XXXX into XXXX. My father passed away on XXXX XXXX. During this difficult time and as ALL my prior payments were on time, I requested courtesy to waive late fees and also asked if anything was reported to the credit bureaus. XXXX advised that she could only perform one credit reversal but I needed to speak with a XXXX who could waive the other and to assist with credit reporting. However, managers would not be available for another 10 minutes so she said I could call back. WHAT? your lines are open at XXXX et, supervisors should be available to assist. She said they are not. I asked how I could get more quickly to a representative / XXXX rather then the extended hold time to make it through their IVR. She said she could give me a direct number XXXX. I called back at XXXX ( et ) ; needless to say this was not a direct line. I again had to navigate XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX before I could request a representative. This time I spoke with XXXX ; to whom I explained that I had called before. She said that a XXXX is always there when their lines are accepting callers. So that means I wasted time with the earlier XXXX. I asked again for courtesies based on prior on-time payments and my father 's death. She apologized but said the prior XXXX had misinformed me as they can only waive XXXX late fee in any one billing cycle. She was very nice and said that I would have to call back after the end of the billing cycle ( XXXX ). Since I had called back to speak with a XXXX, she routed me to ( NOT A XXXX ) but XXXX in the XXXX XXXX XXXX He proceeded to tell me the same SCRIPT ; that no one can waive two late fees in one billing cycle. Also, as this was not a bank error, they would not adjust credit reporting. As he did not represent himself as a XXXX, I asked for escalation. He read his condescending script .... we are sorry for your loss ... blah blah blah. BE A HUMAN NOT A SCRIPT ... people feel insincerity when scripts are followed. He said next level has same access as him and could not help me further. I asked for the next level as I believe when I would get their attention, they would have an escalation path at their level. He said the next level was it. Well that is not it .... XXXX, you have a XXXX. I realize that during the most horrible time in my life, I missed 2 payments. However, I have not been late prior to that. YOU MAY BE RIGHT CITIBANK BUT IT DOES NOT MEAN YOU ARE DOING THE RIGHT THING. Best Buy should either engage a better service provider or pay more for better services from Citibank. Sometimes it is not about the money and should be about the people. The people who use the cards and pay your salaries. I would appreciate escalation as to inability to get to a XXXX and XXXX lengthy process to get to a real person. I would also appreciate waiving of the XXXX late charge of {$27.00} as they did waive the {$37.00} for XXXX XXXX XXXX {$64.00} in late fees for 48 days on a balance of {$130.00} XXXX and adjustment to credit reporting based on my circumstances. Thank you CFPB for any assistance into services of Citibank in their capacity with XXXX 's card program. If XXXX or Citibank can not provide appropriate service, I will no longer be a patron of XXXX. I have other choices as a XXXX Being with XXXX. XXXX XXXX, during the call with XXXX, I asked and paid {$130.00} balance on my card. The only balance is {$27.00} for XXXX XXXX XXXX.
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| 07/03/2016 |
Yes |
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Web |
Older American |
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From a Prior complaint [ XXXX ] I received a phone response the next ( Friday XX/XX/2016 ) day at XXXX.
It consisted of a 9 second message on my answering machine thusly : " XXXX XXXX, this is XXXX with the executive office of Citi Card. This call may be monitored or recorded. I did receive your concern from the Consumer Financial ... .. '' The call ended there.
I attempted a call back but the number collected on my caller I.D . was not a working number. It is a 'spoofed ' number so the consumer has no option to re-contact the financially regulated caller other than the customer service number which hangs up saying the office is closed.
AGAIN this institution is not doing as promised .... a truncated call with no call back option is not re-contact as the Consumer Financial Bureau expects and will most probably be advised by Citi Card/Bank that they tried contact but were unsuccessful.
I have saved the phone message along with a followed test message by myself to ensure the message box was not full or malfunctioning as proof.
I copy the original complaint below that this supposed call back is about XXXX I have a recurring bill of {$8.00} for a XXXX subscription each month. I have had this subscription & recurring charge for over 6 years. I charge nothing else on this CitiBank account ( XXXX ). The XXXX subscription is all I use it for.
This date ( XX/XX/2016 ) I received a bill for {$120.00} instead of the usual {$8.00}. I was shocked and called the credit card company. Customer NOservice at Citibank explained that I missed last months payment and incurred a late fee ( {$25.00} ) and interest. ( {$1.00} ) While I explained that if I do not receive the bill in the mail I can not pay it and that if I was being charged for Citi Banks oversight for failing to mail the bill, that I would cancel the card and account with the next payment I mail. I was advised that they could cancel both the fee and interest charges and I was then transferred to an account resolution/dispute location. I waited on line during this transfer for 15 minutes 3times before the line auto-disconnected with a message that the dispute office was closed. ( be advised this is at XXXX PDT here in the XXXX Oregon area so I am calling WELL within business hours ) The OTHER BIGGER problem is that I have a charge for {$79.00} to a Pay Pal account ( I did not incur ) as well. While I am happy to have late fees and interest charges reversed I advised the CITIBANK ( NO ) Customer Service person that at my age of XXXX I do not even know HOW to use Pay Pal and I did not buy anything through Pay Pal with this card. There is a fraud here.
I was transferred to the CitiBank billing dispute dept and received a voice message that THAT particular office is closed. THREE TIMES I attempted to resolve this problem and all Three times the line was disconnected after an automated voice notification that the office was closed ( due to high volume ). Again I am calling well within normal business hours with this problem.
I am sorry that Citi Bank entered into a relationship with Costco that it failed to provide the staff for. But when it affects a customer receiving charges for possible fraudulent activity I do believe they should be attending to the fraud and incorrect billing problem instead of disconnecting the credit card VICTIM trying to report the problem because they are understaffed as a result of their own mismanagement..
I need this Pay Pal fraud attended to and I would expect the late fee and interest charge to be removed AND as a result of how this was NOT handled I would ask that CitiBank as a financial institution regulated by FTC under the US Code should be reprimanded at the very least or fined.
Your complaint number with Citi Bank Credit Cards : # XXXX
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| 10/15/2015 |
Yes |
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Web |
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I have been dealing with an issue since I first spoke with a rep during the week of XXXX. During my XXXX call, the rep advised me that I had a balance on my account which was a result of a ~ {$50.00} purchase that I made XX/XX/XXXX. I made a payment of {$25.00} as scheduled XX/XX/XXXX and it left me a remaining balance of XXXX {$27.00}. The rep advised me that I had a balance of XXXX {$90.00}. I was completely caught off guard and asked for a breakdown. The rep advised me I had a remaining balance of {$27.00} + {$38.00} late fee for XX/XX/XXXX + XXXX {$25.00} late fee for XX/XX/XXXX. I advised the rep that I had not received any statements from their company. I offered to take care of {$27.00} to resolve the balance with the request to have XXXX late fees waived as a sign of goodwill as I had expressed that I never received my bills PLUS the LATE FEE IS MORE THAN MY BALANCE OWED. The representative stated that they were only able to waive XXXX Late Fee per year and they would offer me the waiver in exchange of me paying the {$27.00} + XXXX {$25.00} Late Fee. I advised that was not fair or reasonable and that I needed both fees waived. The rep said no and then I requested to speak with a supervisor. I spoke with a supervisor who advised me the same thing. I expressed once again about the fairness to consumer. I requested to speak with someone higher and was advised no there would grant my request for a 2 month fee waiver.
2nd Call : Inbound XX/XX/2015I made a XXXX attempt ( XXXX ) to have my issue resolved regarding the late fees and to pay on the account. I explained to the rep my issue again and noticed that my balance due amount changed slightly. I asked for a breakdown of my amount once again and was advised .... {$27.00} remaining from purchase - {$38.00} late fee for XX/XX/XXXX ( which the rep proactively waived on my 1st call ) + {$25.00} late fee for XX/XX/XXXX + ... {$38.00} late fee for XX/XX/XXXX ( since my dd was on XX/XX/XXXX )!! At this time, I am extremely upset that your company rep could not resolve my issue, then waived a late fee ( without my approval ), AND THEN CHARGED ME THE SAME {$38.00} late fee from 4 DAYS AGO!!! Now, I am highly upset and stated that I will contact the CFPB, XXXX, and the AG Office. I advised the rep that I need to speak to someone else and she stated that I already spoke to the supervisor which would not approve it. The rep then told me to call another number ( XXXX ) to speak with an Account Specialist.
3rd Call : Inbound XX/XX/2015I made a 3rd attempt to get this issue by contacting the Account Specialist group at XXXX and behold I got the same rep that spoke with on XX/XX/XXXX call as she reminded me. She recapped the notes and stated that the information still stood about me not receiving a XXXX late fee waivers but now since one Late Fee was waived ( without my approval ) now I ca n't receive an additional waiver. I asked to speak to the supervisor of her supervisor and she stated she will try to see if they will come to the phone. I advised the rep that I am completely fed up and that I will be contacting regulatory agencies. She placed me on hold and I hung up.
Key points : Charged late fee ( s ) greater than the amount of my remaining balance of purchase {$38.00} late fee waived without my approval ( review call ) I was never advised to make a payment or any payment as my due date was on XX/XX/XXXX to avoid another late fee ( review notes ) No calls to notify me of my delinquency until I accumulated & gt ; {$60.00} worth of late fees ... guess what, if I was contacted by Macys the 1st day I was past due ... low and behold I would be current as I would had paid the {$27.00} and had the late fee waived No escalation process for the consumer to get situation resolved
|
| 06/16/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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The following is a request letter sent directly to XXXX regarding their reporting late payments which in my view was unfair. Appreciate any assistance CFPB can provide.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, CA XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX, 2016 Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX : Best Buy Account # XXXX To Whom It May Concern, I am writing to request that Best Buy 's credit card company, XXXX remove the XXXX late payments that are currently shown on my credit report for the months of XXXX and XXXX 2016, and send a revised report to each of the major credit reporting agencies notifying them of the revision. These past due reports have severely impacted my credit score, which has placed stress on my family 's finances due to denial/reduction of other forms of credit that we rely on, and, more importantly, it has affected our ability to qualify for a mortgage for a home for our growing family. I would hope that some leniency would be granted given my overall consistency with payments, and also because my husband 's account with Best Buy has always been in good standing and on time for over 5 years.
Some points that will hopefully help justify why this revision should take place are as follows : 1. I accept complete responsibility for the balance that was on the account, {$190.00}, and would have paid in full once reminded of the balance, however, I do not have any record of being notified, in writing or via phone, that there was a past due balance. If phone calls were in fact made, please provide the dates and phone numbers that the calls came from so that I can cross check my phone bill records. If not provided, I 'd assume that the calls did n't take place, and hope that this would further substantiate my request.
2. Unfortunately, I did n't XXXX the past due balance until pulling my credit report on XXXX/XXXX/16. Upon finding the late payments, I immediately contacted XXXX to find out what I could do to take care of the balance and remove the late payments. XXXX stated that they had closed the account so there was no opportunity to remedy the situation.
3. In a further attempt to remedy the situation, I filed a dispute with XXXX ( report # XXXX ) in order to explain the situation again, but the only response was, " Account closed at credit grantor 's request. '' 4. As a last resort, I called XXXX directly again on XXXX/XXXX/16. I was told voice messages were left notifying me of the late payments, and that the late payments could not be removed. During the call, the representative from the Escalation Department stated that I had selected paperless statements when I made the purchase, but she also acknowledged that I had not created the online account. It would make sense that if a customer supposedly selects paperless statements during the application process and then does n't create an online account, your system should be flagged to send a follow-up paper bill. Another missed communication opportunity. I refer back to item # XXXX above for the request of records to support the claim of attempted communication via phone.
Again, I in no way was expecting to be relieved of my responsibility for the balance, and accept that I should have been more diligent in remembering what credit balances exist in my name. I just wish a better effort had been made to notify me.
Should the request to remove the late payments not be granted, my husband and I will reconsider future purchases being made at Best Buy, and will definitely work to move my husband 's Best Buy credit balance to another banking institution.
Thank you for your consideration, XXXX XXXX XXXX & XXXX XXXX XXXX cc : Consumer Financial Protection Bureau XXXX Disputes Department - XXXX
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
Older American |
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Citibank Customer Service XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Gentlemen : I received the enclosed letter, and I am more than shocked. First, you never sent the merchants response. How in the world did you come to the conclusion that this fraudster is innocent, while I was blackmailed to pay for an illegal charge? I would like you to read my letter of explanation again and stop this foolishness immediately!
1. On XX/XX/XXXX I looked up our reservations on XXXX XXXX. I saw a vacant seat that my wife could use, and we would finally sit together. I clicked on the link to change her seat. My screen froze. I tried again with no success. A XXXX XXXX agent got on the phone and told me there was a special department that managed this type of request. She supposedly transferred me to the department to help me change my wifes seat. An agent came on the phone. He identified himself as XXXX XXXX. I told him about the seat change, and, after a pause, he came back on the line to say that this ticket was not fully paid for, and the reservation was frozen. He told me that unless these new fees and charges were not paid, my wife would not be allowed to fly to XXXX XXXX the following day. I read him the letter from XXXX XXXX showing the flight was paid in full. He kept demanding extra money. He kept saying the reservation was frozen and if I didnt pay the extra money or my wife would not go with me to XXXX XXXX . Most of our grandchildren live in California. We booked this trip in XXXX to make sure we would be at two graduations. How could I disappoint her? The threat was enough for me. I gave him my XXXX card. He put me on hold for at least XXXX minutes. He returned and told me my card was rejected. I later talked to XXXX XXXX who told me there was never an attempt to charge my XXXX card on that day. XXXX kept asking for another card. I asked him to try XXXX again, but he was smarter than me. He knew XXXX would not pay the change once I explained the circumstances. Your card worked. I am now sorry I did not try a different one. I paid the money because I could not disappoint my wife or our grandchildren. Just picture yourself being shaken down by a payment that would upset your plans and make those who were supposed to celebrate with us anxious and angry.
2. I am going to enclose the invoice for her ticket. You will be able to see that my wife was paid in full, which included taxes and fees. {$2800.00}. What else could there be? Nothing, only a scheme to yank a few XXXX more dollars by extortion.
3. Finally, how do you explain this same company using this same credit card to purchase several more tickets on different airlines? You let them charge the tickets with my same card. You initially charged my card for these tickets. Now they are under investigation. This makes no sense. You either punish a fraudster or tell them to continue using the card for whatever reason they would like. How is this possible? Your fraud department is just plain awful. Charging me the extra XXXX XXXX is unfair and what about the other airline tickets? Am I responsible for those too?
4. Other peoples names appear on the flights I supposedly booked.
I urge you, one more time, to carefully look over my account. I also would like a copy of the merchants statement as was advertised in your last communication. There is no excuse for this charge to stand. The merchant never gave you the entire story. If he had, you would be punishing him. I never threatened him with a cancellation of his flight. I also have no idea regarding my current account balance. It reads XXXX in one place and a charge in another place. Thats no way to run a business? Fix this please.
Sincerely, XXXX XXXX
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| 12/15/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I have been a client of Citibank NA for over 20 years. This is the first time i have had a fraud dispute, and the first time i have ever had to go through such lengths to try and get information and my case resolved.
XX/XX/XXXX - 2 fraud charges were posted to my account originating in XXXX. One amount for {$470.00} and another for {$3200.00}.
After reporting the Fraud, Citibank reversed the charges on XX/XX/XXXX.
On XX/XX/XXXX Citibank Fraud Dept recorded my statement, and asked me to send a letter, and evidence that I had regarding the unauthorized charges.
That letter was sent XX/XX/XXXX. The following are the results : XX/XX/XXXX - Fraud Charges re-charged to my account. No notice given of outcome of dispute.
XX/XX/XXXX - asked why was my claim denied, and told they did not receive the evidence ( even though I had sent it XXXX other than a fake receipt from the merchant I took a picture of. I was told that I need to send Letter of Appeal XX/XX/XXXX - Letter of Appeal sent XX/XX/XXXX - Spoke to XXXX at Fraud Disputes Department - acknowledged receipt of the XX/XX/XXXX Letter of Appeal - but " there was a problem with the filing because after receiving the Letter, there was a duplicate request of fraud investigation which confused the investigators '' XX/XX/XXXX - Spoke with XXXX in the Disputes Department : said they could not find the Appeal letter - even though it was confirmed by previous representative. And said to send it again ... because it was not forwarded to the investigator. So need to re-send the Appeal letter so the case will be re-opened again XX/XX/XXXX - spoke with Supervisor XXXX, after being told by representative that there was no information on file, I was then informed by the supervisor that she read the file and said she will send all the info to the DEBIT ESCALATIONS UNIT and i should have a result in 2 business days XX/XX/XXXX - XX/XX/XXXX : No response, or information received from Citibank XX/XX/XXXX : Spoke with XXXX in the Fraud Disputes Dept - and opened a case ( Case # XXXX ) to have someone from back office contact me by phone.
XX/XX/XXXX : No one called, but received a secure message on my online account that the dispute had " been resolved '' ( this was the first and only correspondence i had ever received from citibank in this entire process! ) XXXX - XX/XX/XXXX : no additional correspondence, emails, notices, or calls received as I was expecting there would be an explanation of a positive outcome, and reversal of charges ( credit XXXX on my account. which did not come.
XX/XX/XXXX - spoke with Supervisor XXXX in Client Relations Unit after 1 hour, got disconnected when i was told she would look into how to approach the case.
XX/XX/XXXX - spoke with Supervisor XXXX in Client Relations Unit - explained what the story was of this case ... and was put on hold and got disconnected again.
Each time I try to get information, Citibank is not forthcoming. It seems like my Fraud dispute is constantly denied for issues having nothing to do with the dispute itself : misfiling papers, double appeals at same time, investigators not getting proper information, etc ....
Each time, I am spending hours and hours speaking to one person then another then another.
Each time, I am requesting to speak to someone in person and told that is not a possibility.
Each time, I am requesting the information that formed the basis for the initial denial, and told " we will re-open the case '' ... or .... " we will have an investigator look at it '' ... or ... " someone from the back office will get back to you '' ... and none of those times does that happen. and I have yet to receive information for the basis of the original denial.
I gave up and decided i need to file a consumer complaint.
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| 08/15/2015 |
Yes |
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Web |
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I received robo calls on my home phone prior to XXXX XXXX, 2015 regarding a Home Depot bill. These calls came once a day and I do not answer long distance phone number as they are usually scammers. I called Home Depot on XXXX XXXX, 2015 and spoke with XXXX. As I calmly tried to pursue this issue she immediately pointed out my blame. She mentioned that I had made no " paperless payment '' in XX/XX/XXXX or XX/XX/XXXX making my small bill of {$72.00} with late fees equal {$130.00}. I tried to explain first, that my husband & I thought in XX/XX/XXXX that he would die of XXXX and second, that I have NEVER used " paperless '' for any bill in 40 years with ANY credit card company and that I have an excellent credit score of XXXX-XXXX. I went on tell her that the phone calls were an invasion and I would pay the bill if the XXXX late fees were waived and the Home Depot bill was mailed to me. I save and know the logo of each bill and was positive that up until last year Home Depot has sent me a paper record ( as I keep them all going back 15 years in my attic ). She insisted that I had signed up for 'paperless '. I insisted I had not. I ask that these XXXX late fees be waived back to the {$74.00} and that because I NEVER received a bill I was aware of, that I should be able to pay the minimum of {$25.00} per month on that {$74.00} bill. Instead she placed this on my credit report which I just noticed taking my report from 'excellent ' to 'good ' as my daughter in now looking for an apartment in XXXX and needs my credit rating to be excellent so that we can help my husband with excessive hospital and XXXX bills. I have only one large credit card bill at XXXX for {$600.00} and no other loans ( home and cars paid in cash ). I also mentioned that continual phone calls over {$74.00} are seen as invasive and that there are new laws where I can receive {$1500.00} for each additional call past my original decline phone call on XXXX XXXX, 2015 As stated above, this debt is my first with Home Depot {$74.00} with a balance of $ XXXX {$8000.00} usable credit at the time. I feel I should not be harassed and that I most certainly NEVER, EVER have gone 'paperless ' in 40 years with Home Depot or any other credit card. Please review this fact and re-establish my correct rating of 'excellent '. I told XXXX at Home Depot XXXX am willing to pay {$25.00} over 3 months as was the initial payment without their 'paperless ' FRAUD. Once again, my husband has just survived through XXXX and instead of sympathy or understanding I receive a negative credit report. Please understand our dire circumstances and why this fraud causes us extreme difficulty in paying even {$74.00} when it should have been {$25.00} for 3 months. XXXX medicines are many and each is extremely expensive causing a family with no debt at all to worry about our retirement as we are XXXX years old and wiped out. We can get by with the minimal bills on the small purchases I make and have not ever been in debt but can not do any more than this. I find this extremely cruel given we felt my husband would die and the bill was so meager. NEVER, NEVER SIGNED FOR PAPERLESS! I will make a sworn statement to that effect here and elsewhere ( I was a XXXX in XXXX and my daughter works for our XXXX XXXX. My daughter and I have also met with XXXX XXXX, XXXX XXXX XXXX in XXXX who I will bring this issue to next.. Please resolve this at {$25.00} per month for 3 months and I will never use Home Depot card again but DO NOT WANT IT TO BE A NEGATIVE INFLUENCE ON MY CREDIT REPORT BECAUSE OF HOME DEPOT 'S 'PAPERLESS ' FRAUD! PLEASE, PLEASE HELP. I will swear under oath to all of the above and you can check my husband 's hospital records as well as all of my current debts ( stated above ) for truthfulness.
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| 11/09/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am not doing this again. I was XXXX around by XXXX board of Directors over a consumer products safety recall and decided to get a new washer because I could not tolorate the situation. I needed a longer drain hose for my XXXX XXXX XXXX XXXX washer and found out there was a safety recall on the washer. I had been emailing XXXX board of directors XXXX around told they sold to XXXX and that XXXX was no longer in the applaince Business. XXXX sent me back to XXXX. XXXX board of director assigned XXXX and was not resolving recall. I had no way of knowing that Home Depot would charge me for the wrong washer I never received after spend hours the next day in the store to fix this and Citibank N.A. locked me out of the credit card account to cover up with home depot not fixing this for two hours in the store when I got home wanting to know what I was charged for and credited. Citibank made me pay XXXX at the store saying my credit was tied up in cancelled worng order XXXX washer.XX/XX/XXXX home depot delivered defective washer and employee beat my existing gas dryer for saying the control panel was loose on washer delivered. In teas I call Home Depot Corp. XXXX tells me that I can not go anywhere in CA. and avoid XXXX despite what brand applaince. XXXX XXXX at home Depot lies. I received another defective washer XX/XX/2018which is against the law. Citibank N.A. ethic has case numbers and filed complaints. I am not taking any more lies from HOME DEPOT, not more lies. I received no credit and they never paid for my washer and thought they could trick me into signing up my rights as a consumer and carried this scam out with false statements and schemes carried out by Citibank N.A. much like the illegal lock out on the HOME DEPOT credit card account to defraud me as a consumer. I do not have to take XXXX dollars because I made not that I am not giving up my rights. HOME DEPOT store is refusing to give me a non defective XXXX washer that I have been paying for over two months now. This started in XX/XX/2018. It is against the law to knowingly and willfully conspire to deprive any person for the rights. HOME DEPOT and Citibank N. A. are tyring to make me suffer a XXXX. They are aware that I have received two defective washer and could not leave my doctor because of severe XXXX XXXX XXXX over severe consumer abuse and fraud inflicted on me. I have no XXXX XXXX XXXX. They are tryign to keep me upset in tears and pull schemes to cheat me. I have reported this corruption and deceit to various agencies. As well as high ranking officials. The second time they hid the defect which is marked internal because of the severe defect. This is illegal. They are giving consumers known defects and lying. I received and will not take any money from HOME Depot. NO one is stupid enough to take XXXX and pay for a defective new washer and damage to their costly gas dryer. I had no home to live for a year. Various governmental agencies are aware of my frail situation severely abused by Home Depot and Citibank N.A. lying for home depot. Home Depot twist things and given HOME DEPOT documents to use against me and lie. They told the store I got a free washer when the credit was for the worng washer never delivered. I made note of the defect and damage done on XX/XX/2018 that left me in tears. There are finger prints and other evidence. XXXX has visited me and returned MS. XXXX HOME DEPOT scam envelopes to pull a fast one on me. I wrote that I am not giving up my rights. I have a right to promptly have a no defective washer and my damage dryer replaced free from schemes to pick of a ill frail person that has suffered non stop. This changes daily due to Ms. XXXX lying and deceit. There was no kind gesture. MS. XXXX will not follow the consumer alws.
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| 03/05/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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XX/XX/XXXX-Married XXXX couple ( CitiMortgage borrowers, since XX/XX/XXXX ) initiate refinance with CitiMortgage via telephone with goal ( s ) : Payoff existing loan, $ XXXX@4.25 % APR. Reduce APR. Reduce monthly payment. Utilize allowable reporting advantages tax year XX/XX/XXXX.
XX/XX/XXXX-Per request/in response to initial phone conversation -in order to provide clarification regarding XXXX- borrowers forward copy of Annual County Property Tax Information Statement to Citi Mortgage Representative via email. Further, within email text, borrower points out specific location of XXXX ( XXXX ) as reflected on tax statement.
Per real estate professionals consulted by borrower 's since, the presence of a " XXXX would be readily apparent '' during the Preliminary Title Review process - properly conducted - " to any real estate financing professional and or loan officer ''.
XX/XX/XXXX to XX/XX/XXXX, 300+ emails exchanged - most initiated by borrowers - between borrowers/Mortgage Representative/Personal Loan Processor** ( s ) / and XXXX. Borrowers providing - among other items - all requested/required documentation in support of refinance effort. This included formal XXXX Subordination document ( s ) to second position on title.
Dozens of phone calls also exchanged during and after this period.
On or about XXXX-Borrowers receive convivial phone call from CitiMortgage Personal Loan Processor**, seeking title related information and advising borrowers as to what to " expect '' going forward.
XX/XX/XXXX-Loan Estimate $ XXXX@4.0 % and XXXX Points funded and conveyed. * XX/XX/XXXX-Following-up on additional documentation provided by borrowers, Citi Mortgage Representative : " So thank you very much for your prompt work on getting those to me. Loan Processor** also informed me that she is very familiar with the XXXX and has worked with them many times before. She informed me that she still needs to contact XXXX for some internal documents. This can take some time but we will keep you updated as we go through the process. '' On or about XX/XX/XXXX-Via telephone, Citi Mortgage Representative articulates that " I misspoke. Loan Processor** has actually never worked with XXXX before. '' The obvious : If Loan Processor** was " very familiar '' with XXXX and due diligence had been conducted in the first place, Loan Processor** certainly would have informed borrowers in XX/XX/XXXX Citi would not originate refinance with XXXX recorded on tile. A blatant lie coupled with an attempt to cover Citi 's tracks.
XX/XX/XXXX-CitiMortgage informs borrowers Citi is " not able to originate a new loan '' XX/XX/XXXX-Borrowers contact Citi " Executive Response Team ''.
XX/XX/XXXX-Updated Loan Estimate $ XXXX@4.0 % and XXXX Points funded and conveyed *. *In both of these scenarios, Loan Costs " Loan Amounts '' reflected " {$5200.00} '' which-when factored-is XXXX Points not XXXX Points which XXXX {$1000.00}. We received these egregious figures three different times-once via Next Day XXXX-Citi has remained silent on this issue.
XX/XX/XXXX-Borrowers have repeatedly been told : " We must follow the lending guidelines enforced by our investors, as well as our credit policy. These guidelines dictate that we can not originate a new mortgage loan account on a property that has an active XXXX lien recorded on title. '' XX/XX/XXXX to present-Borrower repeatedly articulates, nowhere within CitiMortgage documentation is it disclosed-in a clear and conspicuous manner in writing-that Citi will not, or can not proceed assessment recorded on title.
Borrowers find it inexcusable- bordering criminal -CitiMortgage took over two months to articulate their " guidelines '' forbade a XXXX on property, much less attempt to abscond with {$4200.00} of borrower cash.
|
| 03/31/2015 |
Yes |
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Web |
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On Monday XXXX XXXX between XXXX & XXXX PST, I contacted my Sears credit card to inquire about a charge and a renewed credit card. I spoke to a representative who could do nothing but apologize about not being able to help me. That CSR could not access my account for some unexplainable reason. Suddenly, I was transferred to another CSR in XXXX. That representative immediately asked for my " personal password. '' I was confused by this because they are not allowed to ask for my personal password. They 're supposed to identify me by asking for the answer to certain secret questions, which I previously set up. When I inquired about why they were asking for my " personal password '' I was told that was the way it is. I was feeling suspicious of who I was speaking with after the transfer and believed it to not be Sears Credit Card services at all. Too many hackers and identity thief 's are out there today and after this experience I decided something was wrong. I then ask to speak to a manager, more precisely, someone higher up. The manager whose name was XXXX ( or XXXX ) got on the phone and was immediately defensive & borderline rude. She kept interrupting me & would not allow me to clarify the situation & basically was unhelpful. I never raised my voice or said anything inappropriate. I even asked about the language to be certain I understood what they were trying to ask of me. I thought maybe it was a matter of semantics & language. This manager would not acknowledge that to be the case, which made me feel hesitant to release any information to these " representatives. '' In any case, XXXX refused to neither help me & clarify my concerns nor solve any issues. She was quick to let me know that everyone followed a script and they have to ask the question as it is written. I understand this to an extent, because I worked in XXXX. We had scripts, but were also taught to listen to the customers. After all, they may a reason for their questions. Not everyone calling in is out to scream, yell & lodge complaints. That was not the purpose of my call. All I wanted was clarification about the personal password request & conduct my business accordingly. I did not get to conduct my business. I did not get answers to the questions I had. All I was told by this manager was that that 's the way it was ; reading the script verbatim and asking for customer 's personal passwords. In my opinion, this was utterly ludicrous. This is exactly how identity theft begins. I realized XXXX was not going to assist in any formidable way, which is a shame. I simply said thank you and have a nice day before hanging up. I was not about to get involved in a hacking situation or breach of security issue, especially not knowing for certain who I was actually speaking with. I wanted to report this because I do not believe I was represented well by Sears 's Credit Cards services. And I do not want to see other people have their personal account information compromised toward the possibility of identity theft. These representatives forgot that they are a consumer as well & they did n't provide good customer service. They did not care and put my personal account in jeopardy. In the end, I did not believe I was talking to the credit card company and if I was talking to the credit card company then they should probably go back and review that call center location in XXXX and the practices they have written into their script, which promotes jeopardizing customer accounts. What concerns me is that Sears did not protect me or was concerned with my personal security at all & it brings to question things such as a lack of professionalism, identity theft & good customer service. I also seriously question their business ethics & will consider changing my services.
|
| 07/31/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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This complaint is regarding a fraudulent charge on my Citi Bank Best Buy Credit Card account. The total amount of this fraudulent transaction was {$1200.00}. On the enclosed digital receipt, it appears that {$1000.00} was charged directly to my Best Buy credit card. However, the remainder amount {$200.00} was charged to a different mode of payment ( see the enclosed digital receipt ). I opened this credit card in store on XX/XX/2021. And I would like to emphasize that I never received the physical credit card at my on-file mailing address. And I suspect that my credit card was used in an unauthorized manner to make the aforementioned fraudulent transaction. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the matter be investigated, the billing error may be corrected and the associated information provided to relevant credit reporting agencies be corrected with immediate effect.
I became aware of this fraudulent transaction on XX/XX/2021, after logging into my XXXX online member account. I contacted Citi Bank Best Buy Credit Card Customer Service and the merchant ( Best Buy # XXXX ) to report this unauthorized activity. At the Citi Bank Best Buy Credit Card Customer Service helpline, I talked with Agent XXXX ( Agent ID : XXXX ), Conversation Reference # XXXX. In addition, at Best Buy store # XXXX, I talked with Store Representative XXXX, and was able to get a case registered for this fraudulent transaction in Best Buy records ( Case ID : XXXX ).
Citi Bank Best Buy Credit Card has been incompetent throughout this matter. My first and foremost concern is the lax consumer security protocols in place at Citi Bank Best Buy Credit Card department. How was my potentially unactivated credit card used for this unauthorized fraudulent transaction? Why did my credit card never arrive at my on-file mailing address? When I contacted Citi Bank Best Buy Credit Card department on XX/XX/2021 around XXXXXXXX XXXX I was told by Agent XXXX ( Agent ID : XXXX ), that credit cards are shipped in activated condition. If this information is true, then it raises serious consumer security concerns. And this reiterates the negligence and incompetence of Citi Bank Best Buy Credit Card, which has already caused me immense mental and emotional stress.
To make matters worse, I learned that Citi Bank Best Buy Credit Card reported my credit balance utilization ( while including the fraudulent transaction ) to credit reporting agencies, which has caused my credit score to drop by a significant amount. This is utterly incorrect. I have always maintained good credit in the past, and this behavior is unacceptable. I would like to request CFPB to inquire Citi Bank Best Buy Credit Card regarding this credit reporting and kindly facilitate the correction in my credit report with relevant credit reporting agencies.
Finally, the general customer service and responsiveness at Citi Bank Best Buy Credit Card is subpar. Several agents that I talked with over the phone were plain rude and unhelpful. Many agents chose to talk over me and hung up the phone call, while I was calling to report this fraudulent transaction and inquire about progress made in the investigation on this case. Citi Bank Best Buy Credit Card needs to train their representatives on how to behave with customers.
I have enclosed copies of the following documents supporting my position : Federal Trade Commission ( FTC ) Identity Theft Report, Best Buy digital store receipt, XXXX online account purchases page ( screenshot ) and Equifax initial fraud alert ( confirmation page ). Please investigate this matter and correct the billing error and the associated information provided to relevant credit reporting agencies as soon as possible.
|
| 02/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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Step 1. Fraudulent purchases in XXXX Step 2.Unprofessional handling and cooperation from Citibank.
Step 3. OnThursday XX/XX/XXXX about six XXXX XXXX received a mobile phone call from a man stating that he was from the Citibank fraud department Citibank was displayed on his phone as an incoming call. she relate a lot of XXXX personal information that only a bank should know as an example the balance on the credit card account and other personal numbers that have bank would have. he requested me to relay the other missing numbers to verify that he was truly talking to XXXX. he was claiming that there was activity on my card and asked if I had made an {$800.00} transaction in XXXX and wanted to see if it was me. I told him that I had not made a purchase and that I would call Citibank direct and at his insistence he said he could stop the transaction immediately and stop further purchases in XXXX and alert the fraud department. he also received my home phone number to have two lines going at the same time that he could talk to the XXXX vendor simultaneously. he claimed he was going to send me a new card that would have no interest fees for one year because he could see that I had a good payment record. after hanging up and telling my wife XXXX she could see that it was not a legitimate call and said you got scammed. I called Citibank in mediately and talk to a representative there who said it was not their true fraud representative and they would stop any further purchases immediately and send me a new credit card. she also recommended that I change my mobile phone number, which I did, so that the person could not access my phone for further access and possibly get more personal information. after receiving the next billing statement that itemized all purchases I about fell over because {$20000.00} worth of transactions were purchased within 2 hours on my card in XXXX. I have never been to XXXX nor do I know anyone who lives there. when I called Citibank to inform them that these purchases were not mine nor did I authorize them they replied that they will not be charging me for those and could see that it was not me that did it. soon thereafter Citibank claimed I swipe the card there in XXXX, which is impossible since the card never left my possession. Never has XXXX or the credit card bin to XXXX. If he had gone to that country he would have informed Citibank to allow the transactions as he has done in the other out of USA trips with a starting and ending date of travel. On XX/XX/XXXX the thief was trying to use the card but Citibank blocked it and would not allow the purchase to take place. XXXX and XXXX tried in good-faith to work with Citibank and they claim that since I gave the numbers away that is his responsibility to pay the {$20000.00} they said how do we know that you did not give the numbers to your friend? that was insulting after being a faithful on-time payment customer for over 20 years. The bank did not protect me from these fraudulent purchases. in the past Citibank would stop transactions that were excessively large and unusual. Why they did not this time I do not know. It is taking more than 4 months to work on this because Citibank said it was not my purchase and then they change their mind after further review and made a decision without asking XXXX or any questions. We could not talk to a representative a responsible person and were placed on hold many times and bounced around the phone system. On XX/XX/XXXX we inform XXXX and also the social Security office in case the person had access to my social security number. The XXXX XXXX Police department was also informed and a report was taken.
Step 4. Citibank Billing dispute XXXX XXXX XXXX , South Dakota XXXX Step 5.XXXX XXXX-Citibank- Unknown
|
| 08/31/2015 |
Yes |
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- Loan servicing, payments, escrow account
|
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Web |
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I filed a complaint on this site in XXXX about the problems with misapplied mortgage payments and FALSE CLAIMS against HUD by Citimortgage. I told you about the electrical problems and outdoor electrical wires hanging off of the buildings, buildings being off of their foundations etc. I want you to know that I wrote Senator XXXX XXXX and President Obama about the HUD/FHA. XXXX times I wrote about this situation and each time the Director of HUD would write to the President and Sen. XXXX that they would love to assist me but I do not have an FHA loan. I sent copies of my mortgage statement, to show that the loan is FHA, and they still told me other wise. There are too many major things wrong with the way things are on my property and loan. On XXXX XXXX, of XXXX Citimortgage held a trustee sale on my property and never sent notice to me concerning the sale. I had just sent a payment of {$2200.00} on XXXX XXXX, XXXX. I know that Citimortgage never held the note from Home Mortgage Loan Company, and therefore had no assignment of note. Citimortgage sent a man to change the locks on my door in late XXXX XXXX, and that is how I found out about the illegal trustee sale. For a year and four months Citimortgage did not contact me. I just found out that Citimortgage changed my mailing address to some post office box and only sent mail there. I do not have a post office box. On the answer to my complaint Citimortgage said that they needed more time. I had told the President and Senator about all the unsafe conditions that my property was sold to me under. A year after the close of escrow XXXX XXXX XXXX XXXX had an arrest warrant issued for my arrest due to the conditions that this FHA loan approved property was in. Citimortgage did not have a deed in my name from the close of escrow until late in the year of XXXX. There was no certificate of occupancy issued on my property in XXXX. The certificate was not issued until XXXX and then it was issued to a XXXX XXXX XXXX. To get this certificate XXXX XXXX had to show a valid deed in his name.
Citimortgage constantly placed mortgage payments made by me into an account other than my account and would then refuse to find the money and place it for my credit. I later found that Citimortgage has XXXX accounts where they were placing the majority of my payments in a XXXX account with an ending number XXXX digit higher than my primary account number. They would then force me into foreclosure and default that was not even valid. All of this trouble while making major repairs to a property that never passed even a code inspection.
In XXXX of XXXX Citimortgage vendors along with the police began a campaign of harassment and threats against me and my family. The vendor would walk into my home without knocking and threaten to take my entire family including my XXXX daughter who uses a XXXX to jail. It was under these conditions that Citimortgage coerced me out of my home.
My loan with Citimortgage is still active and valid and my HUD account is still active and valid, my property insurance is active and valid and in my name. Citimortgage is criminallyguilty of extrinsic fraud, extortion, and stealing XXXX my dollars and making false claims against HUD. The threats of harm to me and my family that came from the vendors for Citimortgage and attorneys are also criminal. Because of the way my HUD account was constantly denied and the vendors for Citimorgage were above the law I wanted to protect my XXXX daughter and not be shot dead or tossed in the street tunaware. Citimortgage used a very aggressive police hand in getting my XXXX family out of my house and getting me the sign lies against the court system for fear of their power to even control the Department of Housing and Urban Developmen
|
| 01/04/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Older American |
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To : Citibank From : XXXX XXXX XXXX Re : Unauthorized Transaction Dispute - Urgent Attention Required Account Number : XXXX Transaction Date : XX/XX/2022 Transaction Amount : XXXX USD Dear Citibank Customer Service XXXX I am writing to formally dispute an unauthorized transaction that occurred on my Citibank account on XX/XX/2022. I am deeply concerned about the security and integrity of my account and the apparent failure of Citibank to uphold its duty of care in this matter.
On the mentioned date, I received a call from an individual who claimed to be a Citibank employee, inquiring about a XXXX USD withdrawal from my account. I promptly denied making such a transaction, only to discover that the amount had been debited from my account without my authorization. Disturbed by this discovery, I visited my local branch on XX/XX/2022 to file a claim for the unauthorized transaction. The original claim number is XXXX.
Despite taking immediate action by filing the claim, I was disheartened to learn that Citibank was unable to recover the funds fully. The only resolution provided to me was a partial refund of XXXX USD that was credited to my account on XX/XX/2022, which is significantly inadequate compared to the total unauthorized withdrawal.
I allege that Citibank has breached its duty of care, commonly known as the XXXX duty, as established in the case of XXXX XXXX XXXX v XXXX XXXX.
The XXXX duty obliges financial institutions to exercise reasonable care and skill when executing client instructions, especially when there are reasonable grounds to suspect fraudulent intent.
As per The Bank Secrecy Act, financial institutions are required to assist U.S.
government agencies to detect and prevent money laundering. Specifically, the act requires financial institutions to keep records of cash purchases of negotiable instruments, file reports of cash transactions exceeding XXXX USD ( daily aggregate amount ), and report suspicious activity that might signify money laundering, tax evasion, or other criminal activities. I did not receive any warning from anyone from Citibank.
In this case, it is evident that a fraudulent transaction took place, and an ordinary prudent staff member of Citibank should have had a reasonable basis for suspicion. I urge Citibank to thoroughly investigate this matter and take immediate action to recall the unauthorized transaction made on my behalf by the fraudster who deceived me.
As a dedicated and loyal customer, I have had the privilege of being associated with CitiBank for close to 40 years, maintaining a commendable standing throughout this extensive period. The recent fraudulent incident has profoundly impacted not only my financial security but also my mental well-being. The trust and confidence that I have placed in the institution over the years have been significantly shaken by this unfortunate occurrence. I have always valued the relationship I have had with CitiBank, and the distress caused by this scam has been deeply distressing. It is my hope that the necessary measures will be taken to address this situation and restore the trust that has been compromised.
If, for any reason, the funds can not be fully recalled, I request Citibank to provide me with a reimbursement or compensation for the entire amount of XXXX USD. I believe that, as a loyal customer, I deserve the full support and protection of Citibank in rectifying this situation promptly.
I appreciate your immediate attention to this matter and expect a thorough investigation to be conducted to resolve this dispute as quickly as possible.
Please provide me with regular updates on the progress of the investigation.
Thank you for your prompt assistance in addressing this urgent matter.
Respectfully, XXXX XXXX XXXX
|
| 08/10/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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XX/XX/XXXX My husband and I have been trying to solve a problem with Citibank. We have been unable to accomplish this task with hours of phone calls to Citibank, which included hours of time on hold and talking with multiple different representatives from Citibank.
My husband and I are both XXXX, we have been longtime Citibank Card holders, last year we had three of their cards. Over the years, we have easily charged a couple hundred thousand dollars on our Citibank cards and we have always paid our bills on time and in full.
Last year, was different! We had one of our cards hacked in the summer of XXXX. We had terrible trouble communicating the incorrect charges. Finally, all the incorrect charges were removed, but one charge was taken off that should not have been. We called right away to try and solve the issue. We had NO success. We decided to close the account, as we did not feel like the account was being managed competently. We paid the charge, in fact, we over paid the charge by one dollar and our closed card sat with a credit on it. We called weekly to try and get the reversed charge unreversed to no avail.
The credit of {$96.00} sat until XXXX. We called in one last attempt to do the right thing and have a legitimate charge put back on the card. Finally, this was done on XX/XX/XXXX. And the {$95.00} charge was returned to the card. The next day on XX/XX/XXXX Citibank issued me a refund for the {$96.00} credit that had been on my account for months.
The problem is I NEVER GOT THE REFUND of {$96.00}. We called over and over again to tell them that I did not get the refund. They said to just pay it and they would work it out later. That might have worked in ordinary circumstances, but this whole last year my wife has been battling XXXX XXXX XXXX- all the while she has been trying to set the accounting straight with Citibank XXXX XXXX is expensive and XXXX is when our deductible resets and so we are hit with mountains of bills. We felt it was important to pay our legitimate bills and not ones that were fabricated. My wife has called Citibank well over 100 times and many days, she can not get through and she has spent countless hours on hold. She has explained the situation over and over again and no one understands it- or is able to deal with it and make things right. She has had them refuse to escalate our case to the executive level.
To make matters worse, Citibank has begun to ding my credit with delinquencies- something- I have never had before. In four months, my credit went from high 700s early 800s to XXXX. Normally this would not be a financial problem, but with rates at historic lows, we have the opportunity to refinance our home and save thousands of dollars. This would really help us in with medical expenses, but we can not get the rate because of what Citibank alone has done to our credit. We get flyers every day to refinance and once we call and they hear my credit, they can not give us the deal they have offered. That is reserved for people who have good credit.
What we have done? We have been loyal Citibank customers who tried to do the right thing. We have called repeatedly to try and get Citibank to take ownership of their mistake and now we are getting our credit ruined and our financial future has become unnecessarily unstable, which has caused a lot of stress in a family that is already dealing with a medical stress.
I have all the clear documentation on my end of the statements to prove my case. Citibank has nothing!
My wife after a frustrating day unsuccessfully trying to deal with Citibanks error. She should not have to be doing this. Her focus should be on getting better and instead, she is forces into cycles of calls with no results. Frustrating to say the least.
|
| 07/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My complaint concerns Citibanks abetting of fraud committed on my debit card through their failure to provide an adequate, or timely appeals process. I made a complaint with Citibank in XX/XX/2020, sent a formal appeal letter on XXXX XX/XX/2020, and have made several phone calls following up on the status of this matter since then. I have not heard anything back from Citibank. Citbanks failure to provide an adequate fraud investigation, dispute resolution process or adequate note taking of customer communication has resulted in its abetting of fraud on my bank account.
The following information outlines my complaint : On XX/XX/2020, {$200.00} was fraudulently removed from my bank account. On XXXX XX/XX/2020, {$510.00} was also fraudulently removed from my bank account. On XXXX XX/XX/2020, the {$510.00} was returned. Both were XXXX transactions. ( see supporting information in attached letter ).
On or around XXXX XX/XX/2020, I made a formal complaint to Citibank about the fraud, and Citibank returned {$200.00}. Since XXXX XX/XX/2020, I have not received any phone calls, or written letters asking for information about the fraud.
On XX/XX/2020, I received a letter from Citibank advising that they had completed their investigation and as a result of adverse findings against me were debiting {$200.00}. Citibank never contacted me about this investigation. If they had done so, I could have provided supporting evidence to demonstrate fraud had been perpetrated against me. The investigation included information about the use of a XXXX account registered to another person and the IP address used which does not correspond to my suburb of residence, and I was in another state on the date of transaction. I provided evidence of this in my letter to Citibank ( see attachment ).
On or around XXXX XXXX, I telephoned Citibank who advised that I needed to send a formal letter of appeal.
On XXXX XX/XX/2020, I sent a formal letter of appeal with supporting information demonstrating that : I did not have a XXXX account in my name, I had not been in Illinois when the transaction occurred, that the address listed on the transaction as mine was not correct. ( See attachment which also includes correspondence from Citibank ).
Since XXXX XX/XX/2020, Citibank has not contacted me about my claim.
On or around XXXX and XXXX XXXX, I called Citibank for an update on my claim. They advised that they would escalate the matter, file a dispute, and that I should receive confirmation of the appeal in 7-10 business days.
On XXXX XX/XX/2020, I contacted Citibank as I have received no correspondence from them confirming of my appeal. On XXXX XX/XX/2020, I called twice and was unable to speak to customer representatives as their system was not working.
On XXXX XX/XX/2020, I called for a status update, and as I had not received a confirmation letter. In phone call XXXX, I was advised that there was no record of my telephone conversation on XXXX or XXXX XX/XX/2020, and that no appeal process had been commenced. I was advised to resend the original letter dated XXXX XX/XX/2020 ( which I have still not heard back from ).
I am hoping that Citibank can finalize my appeal. I have waited more than 5 months to hear the outcome of my letter. I am complaining about the inadequacy of their initial fraud investigation ( where I was denied natural justice as I was never contacted ) and the subsequent appeal where I have received no communication in over 5 months. The fraud process and investigation is clearly inadequate, and is abetting fraud itself, as the supporting information that they provided to me in a letter dated XXXX XXXX ( see attached ) indicates that paypal ( acting as Citibanks agent ) contacted the fraudulent XXXX account rather than me.
|
| 06/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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|
Web |
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|
I received an electronic letter through my account message center dated XX/XX/XXXX stating my credit limit had been reduced from {$7900.00} to {$1100.00} due to an account showing a delinquent credit obligation on my XXXX credit report. The letter goes on to state If you find any information in your credit report that is inaccurate or incomplete, you have the right to dispute the matter by contacting the reporting agency at the address or phone number above. If your credit report changes as a result of a dispute, please give us a call within 60 days so we can re-evaluate our decision. If you have any questions, call us at XXXX or go to citi.com. '' I tried calling the number on several different occasions but each time after holding for a while the automated response said they could not take the call at this time to try back later. I mailed a letter to Citi on XX/XX/XXXX stating the information on the credit report was an error and was already in the process of being corrected with the credit bureau. I requested that the credit limit be reinstated and that someone from Citi contact me to resolve the issue as lowering my credit limit would negatively affect my credit score and I was in the process of refinancing my house and would cost me a significant amount of money due to the credit score dropping.
On XX/XX/XXXX I received another electronic notice stating At this time, we're unable to approve this request because we don't have your current income and/or monthly mortgage/rent payment information on file. I updated the information and then received another letter dated XX/XX/XXXX stating, Hi, XXXX. We reviewed your request to increase the credit limit on your Citi Diamond Preferred Mastercard account. We're unable to approve your request because your credit report shows a delinquent credit obligation, either paid or unpaid with another creditor. If your credit report changes as a result of a dispute, please give us a call within 60 days so we can re-evaluate our decision. I have again tried to call the number on the letter, XXXX, several times but keep getting the automated response sayin to call back at another time.
The information on my credit reports showing delinquent payments were put on in error. I disputed the negative reporting and have received letters from each credit bureau with the credit reports showing the delinquencies and non payment information has been removed and there are no accounts, past or present, showing delinquencies or balances not paid.
On XX/XX/XXXX, I tried calling the Citi number on the back of my card trying to see if someone could transfer me to the department that made the credit limit reduction to try and get the limit reinstated. I spoke with XXXX who tried to transfer me to the proper department but he came back on the line after holding and stated that the Line Management Team, the department for the number in the letter I received, was not available and he did not know when they would be and could not transfer me to anyone who could tell me who or when I can get in touch with the department responsible for making the change to the credit limit. I spoke with XXXX supervisor, XXXX, after spending 1 hour and 46 minutes on the phone with XXXX, and she said they can not request to reinstate the credit limit until 6 month after the change was made, meaning I would have to wait until XX/XX/XXXX to even request the limit be reinstated. I explained to her that the letters I received did not say to wait 6 months to request to reinstate but to contact them within 60 days and I have not been able to reach them. XXXX said the only other option would be to mail a letter in requesting the limit to be reinstated with a copy of my credit report showing the delinquencies removed.
|
| 10/25/2016 |
Yes |
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|
Web |
Older American |
|
This a complaint about yet another credit card, which Citi Bank made unusable for me in XXXX, despite my travel warnings, low/no balances, and Citi being completely aware that I and my nonprofit have been living on and off in XXXX, for nearly six years.
Beginning XX/XX/2016, I have been reporting Citi their computer system problem and their Fraud Department Problem, because of which my Simplicity Card XXXX was blocked again and again, for small and recurring charges, despite my travel warning, The Citi CS and Executive Office replies have been of XXXX kinds - 1. we have the right to doubt ( this is after accepting the same charges for SIX years ) AND 2. your card is not blocked and can be used.
So, after Citi had been denying services for my Card XXXX, in XXXX, XXXX, for two weeks, and kept blocking the card as soon as it would be unblocked, I decided to re-arrange my financial affairs so that I could use my Citi Thank You XXXX card for normal recurring expenses and for business travel, whose plans I had to change with financial losses.
Naively, I thought that another card would not be a victim of the Citi faulty computer system and totally incompetent and unsafe Fraud Department, whose XXXX, XXXX, and XXXX employees are given full access to our private information. They know our Social Security numbers, addresses, and bank, and credit card information. They have absolutely everything they might need to break into our accounts. This is safety, the Citi way : ( Before switching to the Citi XXXX card XXXX, I rearranged my financial affairs, by clearing the card for use. On XX/XX/2016, I checked my travel warning for that card and discovered that it was gone. So, I put in a new travel warning ( please see records of my complaint attached ). This, of course, confirms the problems with Citi Computer System.
On XX/XX/2016, I emailed faxed a letter to Citi Cards XXXX XXXX XXXX and the person who I thought to be the manager of XXXX Executive Office, XXXX XXXX ( please see fax attached ). In that letter, I summed up all the problems I had with Simplicity XXXX and asked them to make sure that the ThankYou XXXX card is ready for use and would not be blocked. At that point, the card balance was {$140.00} and the limit {$5000.00} XX/XX/2016, the card was rejected for {$5.00} medicines purchase at XXXX pharmacy. then for buying and groceries at XXXX. I came home, discovered yet another fraud warning and realized that, most likely, I would not be able to use this card either. That it would be blocked again and again, just as Simplicity XXXX had been. Unfortunately, that prediction came fully true.
Attached is the detailed record of my please and demands and the Citi denials of there being any problem and lies, and even the bad science fiction inventions ( see letter of XXXX XXXX of XX/XX/2016, attributing the card processing failure to the bad machine used for the processing ). Of course, it does not matter for that Executive Office employee that the card had been used at the very same store for nearly SIX YEARS.
My correspondence with Citi Bank, for both Citi Cards ( see attachments to the present complaint and to that about XXXX card ), includes my letters to XXXX XXXX, the Citi Card CEO, and XXXX XXXX, the person who I presumed to be the Manager of Executive Office because a couple of year ago it was she, who finally resolved a problem, about which another XXXX volumes of correspondence had been written. I have also left multiple voice messages at XXXX XXXX voice mail.
There had been no replies from XXXX XXXX from XX/XX/2016 to XX/XX/2016, i.e. nearly two months, during which I was stranded in a foreign country, where walking with cash is neither safe, no recommended, without credit card. = please see continued
|
| 05/25/2016 |
Yes |
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Web |
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XXXX XXXX, XXXX I purchased a laptop from Best Buy in the amount of {$2300.00}. On XXXX/XXXX/XXXX I enrolled in automatic bill pay through Citibank for Best Buy for the minimum balance ( {$25.00} ) to be withdrawn from my bank account. I was a XXXX student at the time and was temporarily living XXXX to finish up my degree as a XXXX XXXX. I did n't want to be bothered about making monthly payments to my account while I was studying for my XXXX exam, hence the reason I signed up for automatic bill pay.
On XXXX/XXXX/XXXX I receive an email stating that my account had an important notification. This email was the first I had received regarding the status of my account. The email was not specific to what the issue was or that my account had become delinquent. The email only offered new ways for me to lower my monthly payment or reduce my interest rate. To my knowledge I was setup for automatic bill pay so I was under the impression I was up to date with my monthly payments.
On XXXX/XXXX/XXXX I received another duplicate email stating that my account needed attention. So I called Best Buy to find out why I was receiving these emails. The Best Buy agent informed me that I owed {$330.00} on my account, which included late fees and monthly payments for the months of XXXX - XXXX XXXX {$180.00} in late fees and interest, {$150.00} in monthly payment ). I asked the Best Buy agent why they did n't receive my monthly payments from automatic bill pay and he apologized and said he did n't know what the issue was, but that it had been fixed. He then confirmed that my automatic bill pay would work in the future and that my account was up to date until my XXXX XXXX payment.
On XXXX/XXXX/XXXX I received a letter in the mail stating that my account has been sent to collections through XXXX XXXX XXXX. To much confusion, I called Best Buy on XXXX/XXXX/XXXX to ask why my account had been sent to collections and their response was that it must be a mistake because on their side my account was up to date. At this time there had been another mistake to my account and I was charged a late fee for XXXX 's payment due date although I had made XXXX 's payment on XXXX/XXXX/XXXX. The woman I spoke with stated that she would waive this fee due to Best Buy 's mistake.
I then started receiving phone calls from agent from XXXX XXXX XXXX. On XXXX/XXXX/XXXX, I spoke with the agent and he informed me that my account had been sent to him as a third party to collect the entire amount owed on my account ( {$2100.00} ). I explained to him that this must be a mistake and that I was up to date on payments ( according to Best Buy ). He encouraged me to contact CitiBank.
On XXXX/XXXX/XXXX I contacted CitiBank and explained the situation. An agent told me that he was n't sure how to correct the mistake, but I could talk to the supervisor if I called back in an hour. When I called back I spoke with a woman who told me it was my fault that my account was in collections due to unmade payments and I explained to her that this is a mistake because the payments should have been automatically withdrawn. She stated that I was careless for not checking my bank account to make sure that the payments were actually being withdrawn and refused to transfer me to the supervisor.
After months fighting with Citibank and Best Buy and sending in a dispute, they finally resolved the issue in my favor. I entrusted that by setting up automatic bill pay I would n't have encountered this issue and that they should have contacted me after not receiving payments for 6 months to see if there was an issue prior to sending me to collections. Now, my credit score has suffered immensely. I have not qualified for benefits because of this mistake made by Citibank and Best Buy.
|
| 05/04/2016 |
Yes |
|
|
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Web |
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|
My concerns involve my Citibank credit card. When I was attempting to make a regular, smaller payment online, somehow, a payment for the entire balance of my credit card was processed and then deducted from my checking account. I have been unable to successfully request and obtain a refund because my checking account bank denied the payment due to insufficient funds and will not allow the transaction to be processed because of the high amount. ( Therefore, Citibank can not issue me a refund because they have not received payment ). Instead, Citibank keeps attempting to process the full balance, despite me having put Citibank on notice that this transaction is an error. I have been unable to get the issue resolved after a week and several hours on the phone with multiple departments within both banks. I have even had both Citibank and my checking account bank on the line simultaneously. In the end, I was told that Citibank no longer had control over the transaction and could not stop it ; I must wait until Citbank stops trying to process the payment. I was informed that this could be " three or four '' times ; the answer changed depending on the representative. No one with Citibank could tell me if it would be 3 or 4 times, and what policy dictated how many times it would be attempted. However, waiting until they stop attempting the transaction and waiting for Citibank to follow their refund request process leaves me unable to access any other funds in my account ( including my federal income tax refund and my biweekly paycheck ) and, therefore, unable to pay mortgage and other necessary bills. This also means that my checking account has continued to assess a series of fees ( insufficient funds and return payment ) because of Citibank 's multiple attempts to take the money out of my account. Citibank informed me that they could not/would not reimburse any of those fees, despite them being a result of their inability to stop the process. The only option left is to attempt a stop payment with the checking account bank ( which can only be done if the account is not overdrawn and is an additional fee ) and file a dispute with my checking account bank. As an attorney myself, while I understand the process that was explained to me multiple times, what I can not understand is how there is no policy, procedure or other mechanism in place with the bank to prevent these erroneous transactions and rectify it without the consumer needing to be assessed multiple fees and constantly get updates in the process, taking on the burden in what is essentially a dispute between XXXX large banking companies. Additionally, before processing a transaction for the entire credit card balance, there was no " alert '' to me, as the consumer, to confirm and clarify that the full balance was being paid. In fact, despite the fact that the payment was done on XXXX XXXX, 2016, it was not until XXXX XXXX, 2016 that I received an email confirming the transaction ( which was after I spoke to a representative about the error on XXXX XXXX, 2016 ) Normally, when I make my payments to Citibank, I receive confirmation of the transaction within one business day. Had this confirmation for the XXXX XXXX transaction been sent on a similar timeline as my previous transactions with Citibank, I would have likely caught the error and could have rectified it immediately. To clarify, I am not referring to when the payment posted, as I understand this can take approximately 2 business days. I am referring to just an email confirmation. This is very troubling that I did not receive Citibank 's confirmation for the transaction until AFTER I already reported it to their Customer Service Department, back-dated three ( 3 ) days earlier -- my original payment date.
|
| 01/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
To Whom It XXXX Concern, Please Help.
On XX/XX/2022, I paid a merchant ( XXXX XXXX ) {$4500.00} to purchase and install a furnace and A/C unit in my home. I used my " Citi Custom Cash '' credit card to pay my bill. The next day I realized I had lost my credit card. I immediately went online to my online banking portal and notified the Citibank card was Lost/Stolen. A dialog box asked me if I recognized these XXXX pending transactions, XXXX of them being the {$4500.00}. I chose the " yes '' option because I did not see anything wrong and requested a new card to be sent to me. On XX/XX/2022, the merchant ( XXXX XXXX ) called me and said he received an email from his processing company ( XXXX ) that this transaction was either a scam or fraud. He texts me a snapshot of the email. He requested I pay him with a different card. I did not want to use my secondary card because of the higher interest rate, but I paid him {$4500.00} on my " Thank You Preferred '' CitiBank credit card. I wanted to do the right thing and did not want the merchant to think I was taking advantage of him in any way. So, now there are XXXX payments, XXXX on each card, for a {$9000.00} total.
I called customer care, explained what happened, and disputed the first transaction. I have been calling them and pleading with them to return my money, but they won't. I call them almost on a weekly bases with no help from anyone. They keep telling me to wait for XXXX to 10 days, then I call back, and they keep saying the same thing repeatedly. I asked where the money went and am still waiting for a straight answer. They gave me a conditional credit for {$4500.00} while investigating and then took it back.
I contacted the merchant, and he tried to help me get my money back. Although he attempted to help, he informed me there was nothing he could do to help me in this situation.
I was asked to send emails to Citibank of receipt of the purchase and fill out forms for Citibank, which I did on XX/XX/2022 and again on XX/XX/2022 when requested by my credit card provider.
I was asked to contact the merchant, which I did, and still, it did not resolve anything.
I filed a complaint with corporate and got nowhere. They asked me to go to XXXX XXXX and informed me that this was the merchant 's bank. I went there and was told by the merchant when I called him while I was at XXXX to find out this is not who he banks with, and Citibank was also his bank.
I went into the Citi Bank Branch and was there for three hours on the phone with the help of the personal banker with no resolution. The personal banker told me to put a dispute on the second charge I made to the merchant and see if I would get that back, so I followed her instructions. I still did not get anywhere with that.
I called my credit card again, and they finally told me the funds were in some holding and gave me an acquirer reference number. I tried to find out what this means and where the funds are. Citibank then told me they were closing the dispute and there was nothing more they could do for me because too much time had passed. I have been trying to get this resolved for almost 6 months with no resolution in sight.
This situation has affected me in so many ways. It has put me behind on all my other bills, and I had to borrow money to help with this situation. I am still trying to pay my credit card and do not want to compromise my above XXXX XXXX XXXX. I always pay my bills on time, and I feel that fraud has been committed against me by my own credit card provider.
I have been seriously sick over this and do not know who else to turn to. My friend found your agency and told me to file a complaint.
I appreciate any help you XXXX be able to provide.
Thank you, XXXX XXXX XXXX
|
| 02/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I, XXXX XXXX, purchased a tour of the XXXX XXXX XXXX in XXXX from XXXX XXXX XXXX via a telephone call with a female on XXXX XX/XX/2020. I used my Citi Card and charged {$670.00} and there was NEVER a mention of any non-refundable policy at the time of the call. The tour was scheduled for XXXX XX/XX/2020 from my notes. Around XX/XX/2020, our flight to XXXX was cancelled and shortly afterward we started to hear that the borders and the tourist attractions in XXXX were closed/closing. We waited until XXXX to see if the border shutdown would cease, but we had to make the decision to cancel the trip around XXXX XX/XX/2020. We cancelled all the tours, trains, hotels, etc ... including XXXX XXXX XXXX ... all refunded our monies paid EXCEPT XXXX XXXX XXXX. They only offered to give us a 'credit + 25 % for a further trip ' but we did not want to go back to XXXX anytime soon due to the COVID virus, border closings and tourist attractions uncertainty. We only wanted our money back for a tour that we had cancelled with plenty of notice ( over two weeks ), and that we were unable to participate in due to both the US and XXXX enforcing travel restrictions on tourists. I was forced to chargeback the {$670.00} in XX/XX/2020 with Citi Cards shortly after we were denied a refund from XXXX XXXX XXXX.
On XXXX XXXX Citi Cards ( attachment 1 ) and XXXX XXXX XXXX ( attachment 2 ) responded to the chargeback. XXXX XXXX XXXX stated the tour was non-refundable in a response that was un-readable. They stated that I booked the tour online ( not true ) and I checked a box agreeing to the refund policy ( not true ) and that they executed the tour prior to my departure date ( not true whatever that meant ). Citi Cards stood by the merchant and not the consumer and reversed the charge back to me.
I appealed the decision on XXXX XX/XX/2020 and was told by Citi Cards to appeal based upon 'good faith denial of services ' ( see note on attachment 1 ). In 'good faith ' we paid for two tours for my family and were denied access to the tour by XXXX with the US Tourism shutdown ( or the US shutdown of the tourist access to XXXX ... either way it was a government block ). I received the Citi Cards letter dated XXXX XX/XX/2020 ( attachment 3 ) requesting documentation, which Citi Cards already had.
I sent a written letter of explanation on XXXX XX/XX/2020 ( attachment 4 ), and called XXXX XX/XX/2020 to make sure Citi Cards was working the appeal. On XXXX XX/XX/2020, Citi Cards issued another denial of chargeback letter ( attachment 5 ).
Frustrated, I called a Citi Cards Manager ( XXXX ) on XXXX XX/XX/2020, who stated that Citi Cards has done all it is going to do and that they have to pay the vendor and I was responsible for a charge on a service I was denied to utilize. I called XXXX at the Executive Office of Citi Cards on XXXX XX/XX/2020 and he initiated another investigation of the matter and would take up to 15 days to complete. I got another name ( XXXX XXXX ) who would be the investigator. I received no resolution so I called XXXX XXXX in the Executive Offices of Citi Cards on XXXX XX/XX/2020. I called three times for an update and he never called me back. Then I got a letter dated XXXX XX/XX/2020 ( attachment 6 ) stating that the merchant was giving a credit to us for future use but too bad, we are out the {$670.00} for a tour that was cancelled in a timely manner for a reason that was outside our control and that we did not and could not use. And we are forced to return to XXXX to use the credit should we want to get resolution.
This is a complete lack of customer service on the part of Citi Cards and it is illogical, cold hearted, immoral and wrong to force a card holder to pay for a service that was not rendered.
|
| 09/13/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX I opened a new citi checking account. The account was opened under promotion XXXX.
The terms of the promotion are : 1. Open a new Regular Checking account in the Citibank account package by XX/XX/XXXX.
2. Within 30 days after account opening, make a minimum deposit of {$15000.00} or more into your new Checking or new or existing Savings Plus account or Citi Savings account.
3. A minimum balance of {$15000.00} is required to be maintained in the Checking account or existing Citibank Savings Plus Account or Citi Savings account for 60 days from the date of deposit is made.
4. In addition, initiate one qualifying direct deposit must post to the new checking account each month for 2 consecutive calendar months after opening the new checking account. Citi Savings account.
Once the terms are met, I would receive a {$300.00} bonus.
On XX/XX/XXXX I received an email with the attached letter requesting documentation proving my address. We had just moved to a new home at the end of XX/XX/XXXX. The letter asked for A copy of your most recent utility bill showing your name and current home address. We had not yet received any utility bills and I was unable to provide the information immediately. I did provide a copy of our mortgage statement but was told that was insufficient. Furthermore, my name was not on our electric bill, only my spouses name. I had to speak to someone to get confirmation that providing that bill along with bank statements or credit card statements would be sufficient proof.
I sent in the information that week.
On XX/XX/XXXX I received an email that my used ID was established. I proceeded to immediately initiate a trial deposit and on XX/XX/XXXX my linked XXXX XXXX account was approved. I then initiated a transfer of {$15000.00} into my account. Due to Citis slow processing the funds arrived on XX/XX/XXXX, however the funds were in fact deducted from my XXXX account ( see attached XXXX statement ) on XX/XX/XXXX. This means that while they may have not been available in my account until XX/XX/XXXX, Citi had the funds in hand on XX/XX/XXXX.
On XX/XX/XXXX I received and email stating I would not get the {$300.00} bonus as The required deposit balances were not met.
I contacted citi on XX/XX/XXXX and on XX/XX/XXXX to argue that I should get the bonus as I was unable to deposit the funds right away due to citi requiring address verification. It took almost 4 weeks for the process to complete. As such I had no access to the account and there was no way to initiate any deposit. They did not give me an account number or a debit card that would activate until they completed verification. As such, the 30 days should start from when the address verification was completed. At the very least, it should start from the date I received the email ( XX/XX/XXXX ) or even the date of the pdf in the email ( XX/XX/XXXX ), both of which would result in the deposit completing on the 30th day ( XX/XX/XXXX ).
The response from citi ( attached ) stated : Unfortunately, your account does not qualify for this promotion because the required deposit and direct deposit were not made within the stated timeframe '' This was the identical response i received both times i called. The response appears generic and automatically generated. It does not appear anyone actually did more than superficial research into my request.
Furthermore, I initiated and had all funds transferred out of my external account by day 27 from account opening ( XX/XX/XXXX ). Every other bank transfers funds within 2 business days. Requesting the transfer on XX/XX/XXXX would result in funds availability by XX/XX/XXXX or XX/XX/XXXX. There is no reason the transfer took so long, nor should I be penalized for citis slow processes.
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| 06/29/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
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Web |
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This is in relation to my " Best Buy '' Credit Card which is 'backed ' by XXXX XXXX : I 've had this credit card for years and years, and until the dates in question, I never missed payments. In fact, until the dates in question, I had never missed any payments on anything - I 've had credit for 23 years and in that time, my credit report had NEVER had a delinquency or missed payment at all. Between XX/XX/XXXXand XX/XX/XXXX my scheduled payments were not run ( which no one at the XXXX/Best Buy end can explain the basis for ). I manually paid the invoice for the month of XX/XX/XXXX but, I did not 'check ' to see if the payments that I scheduled online to come out in XX/XX/XXXX and XX/XX/XXXX worked ( as I was going through a separation and moving house at the time ). These payments were not processed and I never knew about it. The statements were supposedly going to my old address during that time and though they 'claim ' I was receiving email statements too, I do n't recall this being the case and I 'auto-file ' those anyway ( because I always pay my bills and therefore have no need to check my statements ), so I did n't see the " overdue '' notifications ... Having said all that, my biggest grievance is this : ***Phone calls were EVENTUALLY made by XXXX/Best Buy BUT, these sounded like fraud/phishing/a scam!! These calls were made by a robot or computer, they came through from obscure numbers in obscure places, occurred at ALL hours of the day, sometimes VERY late at night, and they did NOT state it was Best Buy or XXXX calling. No name was given at all! And absolutely no " basis '' for the call was given either. In fact, the 'robot ' started the call by asking me to identify myself ( not the other way around as it should have been ). Someone asking for information from you before they give any to you is a HUGE ALARM bell and the best practice is to hang up. It was all VERY suspicious, especially to someone like me who works for a bank and sees fraud and scams like this regularly. Hence, I did not answer or hung up. Thus I NEVER learned of my late payments!!! I never knew who was calling as no name was given at all! As soon as I became aware of the missed payments, I paid them in full and I think I paid off the total balance owing at that time too, to negate any need to deal with them going forward, due to the bad experience. The card is still open but, still has a XXXX balance ... ... ... .. Ive contacted XXXX/Best Buy NUMEROUS times between then and now, by mail and by phone. They have admitted to seeing my point and they have even several times acknowledged that the 'auto-dialer ' issue has been raised by other customers too. And at one point I was promised by a senior staffer there that a letter would be sent to the credit agencies to have the notations withdrawn from my credit reports - this never happened and they deny that, that was ever promised. They have denied wrong-doing and are being entirely unhelpful, unfair and in my opinion, unethical, denying my requests to have these items removed from my credit reports. Please help me to have these items removed as my credit was and is SEVERELY impacted by them. As my fianc and I are moving in together, I now have XXXX kids instead of XXXX ( aged XXXX, XXXX and XXXX ) and am therefore in desperate need of a larger car, and I need to go on my fianc 's mortgage also. BUT neither of these two things are literally even possible with my score the way it is. Thank you in advance ... I would also like to believe that you can help to avoid this situation repeating itself for other customers by ordering an overhaul of XXXX/Best Buy 's absolutely flawed business practices, especially around the phone-call notifications of missed payments. Thank you.
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| 05/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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RE : Is it a false or at least misleading advertisement of Citi Savings Account Promotion Bonus Program?
I have been a Citibank customer years since XXXX. I didnt expect something like this.
Early in XX/XX/XXXX, I logged into my account in the Citi mobile app, to check my accounts as usual. I saw an offer for a cash bonus if I open a new Citi Accelerate Savings account, complete certain requirements.
By then I already had a Citi Accelerate Savings account ( and I liked it ), so I was wondering why the advertisement was still pushed to existing account owner like me. I wasnt sure that I was eligible, so I used the online chat support in the Citi mobile app, a Citi agent confirmed my eligibility, saying that as long as I open a new account, deposit NEW money, and complete all required activities, I will get the bonus. ( I believe that Citi can check the chat history before I opened the new account, the chat conversation record can surely be found. ) Based on this information, I went ahead and opened a new Citi Accelerate Savings account ( ending in XXXX ), and used the online chat support again to confirm the bonus promo code ( XXXX ) was successfully applied to the new account. ( Attached screen shot file : XXXX ) Soon I deposited total XXXX XXXX new money ( not small amount for sure ) to the new account. And to double confirm everything is ok, I used the mobile apps chat support once again, another agent double-confirmed the program requirements and my bonus promo code, and said if I met all the requirements I would receive the bonus by XX/XX/XXXX. ( Attached screen shot files : XXXX and XXXX ) So I maintained the balance for sixty days, based on the bonus programs requirements. But on XX/XX/XXXX, the bonus wasnt posted as expected. A couple of days later, I contacted Citi again, an agent acknowledged that my account was registered with the bonus program and I met the requirements but the bonus was not posted as expected, she immediately raised an internal dispute case ( XXXX ) for me even without my asking to dispute, and said I would be kept posted. ( Attached screen shot files : XXXX and XXXX ) Then after waiting for several days, I received a paper letter in my mail box. The letter says that the Citi Accelerate Savings account has to be in the Access Account Package to be eligible for the concerned bonus program, my account is in the Citi Priority Account Package and thus not eligible.
That obviously surprised me to an extent beyond speech when I was reading the letter!
I really dont recall the Access Account Package language in the offer advertisement. And I doubt it was there. I have questions for Citi as below : XXXX ) Why did the Citi mobile app pushed the offer advertisement to my account in the first place? If my Account Package wasnt the intended customer segment? And there was no warning about so called Account Package at all?
XXXX ) During my multiple correspondences with Citi please refer to the attached screen shots - before opening the new account, after opening the account, before finishing all the required activities, and after finishing the required activities, why all the agents consistently confirmed my promo code and the required activities, but none of them mentioned the Account Package language, or at least give me some warning about it?
These really make me think like : Was Citi trying to attract new deposit by false or at least mis-leading advertisement? I certainly hope it is not. I hope that Citi will review my case and honor their commitment to issue the bonus to me. It's concerning to think that this may have been a case of false or misleading advertising, and I hope that Citi takes steps to ensure that their promotions are clear and transparent in the future.
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| 10/26/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
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|
Web |
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I opened a Citibank account in XXXX and transferred {$25000.00} into the account XX/XX/2021. Currently my account is at ~ {$21000.00} after transferring funds to investment accounts. When I opened the account I was never sent a physical card. I was sent a piece of paper from the XXXX XXXX office that had a PIN number and the last four digits of a card number ( no card was attached ). At the time I didn't think this was an issue because I only needed online access to transfer funds into investment accounts ( would never need to use the card to do this -- wire transferred ).
The week of XX/XX/2021 I noticed that I lost access to my account. I had no way of seeing my funds on my mobile app or online via the computer. I called the customer service line ( XXXX ) to discuss my issue on XX/XX/2021. She states the issue is fraud. I think a transaction over ~ {$1000.00} around XX/XX/2021 triggered their fraud system ( this was a security deposit payment for my new apartment in XXXX ). The person on the other side requested for many things : my full name, phone number attached to the account, my address, account number, and card number. The issue is that I was never sent a card so I could not verify my identity with my card number. The only thing I could give her was the PIN number and the 4 digits on the piece of paper sent to me. I do not have online access to my account so I couldn't give her an account number. She then ensured me that she would send a debit card to my house and I would be able to gain access into my account after changing my username/password.
I received a confirmation email from Citibank that my card was on the way ( with a tracking code ) and it was sent to my address within a day ( I include this document below ). I received the card on XX/XX/2021. I try to login to my account on XX/XX/2021 and can not gain online access with my card number. The site says that I'm blocked and to call customer service. I call the same number ( XXXX ) on XX/XX/2021 and I am asked for my new card number, account number, and many other verification questions. The person states that he can not verify my identity and to call back on XX/XX/2021. At this point I'm very annoyed and every conversation I have feels like a scam.
I call back XX/XX/2021 at least ~3 to 4x to try and make sense of Citibanks verification process. I'm consistently tossed around from agents to " supervisors/managers '', and never given a straight answer to what is going on and why they couldn't verify me. I'm told that nobody can help me over the phone and a letter will be sent to my address with a verification code. I have to wait 5-10 business days to get this letter. At this point I am VERY frustrated and do not understand why I can not verify my identity through my SSN or passport. I requested to visit a Citibank branch but there is no Citibank branch in XXXX, so I have to deal with customer service in XXXX.
I'm frightened that I will never see my funds again due to this verification process. Nobody seems to understand why I'm blocked and will not give me straight/honest answers. I will be moving soon from XXXX to XXXX ( within a month ) and my emergency funds are tied up with Citibank. The address I'm currently at, is the my account is tied to. I'm worried that is a going to be a huge " verification '' mess because they keep sending me things in the mail to help verify my identity. I do not feel that my money is safe nor is my personal information ( identification information ).
I attached proof of a recent transfer of money from my XXXX XXXX account to Citibank.
I have also filed a complaint with OCC. I'm considering on having a lawyer contact Citibanks legal team if customer service continues to be negligent.
Please help.
|
| 08/07/2016 |
Yes |
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Web |
Older American |
|
I am writing to complain about the refusal of Citi Bank to cancel interest and penalty charges improperly added to my Citi MasterCard account.
I have had a Citi card for over twenty years. My practice has been to pay the full balance of the card every month, as shown on my printed statements, so I will not incur interest or penalty charges. During the last year, I have twice been required to cancel my card because of fraudulent charges, quite possibly as a result of inadequate security arrangements of Citi Bank. The second of these cancellations occurred XX/XX/2016. At the time, I paid Citi all amounts then properly due -- that is, the amounts for all purchases I had made, but not the fraudulent charges made by someone else -- and Citi removed those charges from my bill. Citi then sent me a new card, which I have not activated. Since XX/XX/XXXX, I have made no charges and have had no working Citi card.
After XX/XX/XXXX, without my permission, Citi stopped sending me printed statements for my expired card. I did not miss receiving these statements because I assumed that, my account having been cancelled after I paid all outstanding charges, no more was due. But Citi charged me for several purchases, totaling {$180.00}, that I had made but had not been posted to my account at the time the card was cancelled. I was unaware of those charges and so did not pay them. Citi then began adding interest and penalty charges to the amount they claimed. They now claim that I owe them {$320.00}, far more than the charges I actually incurred. {$180.00}.
I received no adequate notification of these charges, interest, or penalties. Citi sent me only electronic notifications. I have all my bills arrive by hard copy. I receive dozens of email business solicitations every day, do not read them, and have never agreed to be billed electronically by Citi or anyone else. Citi sent me nothing in writing, and did not call to ask me why such a reliable customer had stopped paying.
In addition, I had accumulated {$82.00} of Citi dividend dollars, which can be used toward one 's payment of a bill. Citi now claims that I have forfeited this {$82.00}, which I think is not proper. The entire situation happened as a result of the fraudulent use of my card and the need to cancel it.
Citibank has refused even to consider removing the interest and penalty charges, which resulted from security breaches in my Citi account, and which I do not owe because I never received proper written notice of the sums originally due. Since I discovered this problem on XXXX XXXX, 2016, I have been told by XXXX different Citi representatives that they lack the power to make such adjustments. To speak with these representatives, I had to make at least seven telephone calls, during about half of which my connection to Citi was abruptly cut. One representative promised me that a supervisor would telephone me within 36 hours, but this did not happen. All in all, I have spent at least four hours on the phone trying to resolve this matter. I have offered to pay the full amount of the charges that I had made, {$180.00}, and to forfeit my {$82.00} in dividend dollars as well. Citi insists that all charges on the account including interest and penalties are mine and can not be removed.
So far as I can tell from the credit card agreement, my only recourse against Citi at this point is to start arbitration proceedings, for which I would apparently have to pay a {$200.00} filing fee. Meanwhile, my failure to pay what Citi demands could damage my credit rating, which until now has been unimpaired.
I am therefore requesting that Citi cancel all the interest and penalties they are now claiming, at which point I will be glad to pay the {$180.00} in underlying charges.
|
| 08/05/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
|
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In XXXX 2016 I opened a Citi ThankYou Premiere Credit Card. In XXXX 2016 I did research into other Citi products and account options and came across an online offer for XXXX ThankYou points for new customers that opened a Citi Gold Checking account. I decided that the bonus incentive was worth opening a new account and proceeded to do so using the online promotion code. I activated my account and received physical mail which I responded to to complete the new account process.
The requirements of receiving the new customer incentive offer was to use their eBill payment service for a period of 3 months after opening a new account - a requirement that I knew I could meet ( and did ).
A month after opening the checking account I called and spoke to a Citi Gold account representative to confirm that I was following all steps required to receive the promotion - I was assured I was doing everything as expected as per my promotion contract. I explicitly asked if after fulfilling my obligations that were part of the contract I would be eligible for the XXXX ThankYou points - his answer was " yes ''.
In XXXX ( 3 months after opening the account ) I called again to the Citi account reps. I went over the details of my promotion and the representative said that ALL THE REQUIREMENTS WERE MET and that the points should post to the account in 1-3 months.
In XXXX ( 5 months after opening the account ) I called to check the status of my promotional points. The representative that I spoke to was as confused as I was to why the points had not yet posted and opened a support ticket inquiry into the matter that would escalate the issue to their back offices. I waited a few days and then called back to find out the status of the inquiry. It was then that I was learned of their deceptive business practice.
The representative on the phone ( and later his supervisor when I asked to speak with her ) both told me that I was not part of their internal list of candidates for the promotion. Supposedly Citi mails/eMails out promotion codes only to certain prospective new customers and I was not on their internal list. This did not stop them from accepting my application with the referral code, taking my money, having their representatives confirm verbally my eligibility or charging me monthly account maintenance fees ( {$30.00} per month ) - all in an attempt to bait me into using their service with a non-existing reward at the end of the process.
I feel cheated by CitI Gold checking for taking my money in monthly fees ( {$30.00} per month ) only to deny me the sign up bonus that would have covered about a years worth of monthly fees. If I was not on their secret list of qualified customers, this should have been communicated MONTHS before wasting both time and money in a non-existing promotion. Why was I not confirmed or denied as soon as I signed up for a new account? Why were the representatives that I spoke to multiple times not made aware that I was not on their list for the documented bonus? Why should I have the responsibility of fulfilling the obligations of the promotion ( which I did withing the expected 3 month period ) and Citi not have the responsibility of rewarding that good behavior? Why should I comply with the terms on the contract only to have the same contract broken by Citi because I was later found not to be on their secret internal list of " qualified new customers ''?!
The only resolution I seek is for Citi to honor their promotional incentive and give me the XXXX ThankYou points as were promised. By denying me the contracted benefit this amounts to a deceptive business practice and feels like a bait and switch to get new customers without reciprocating any goodwill bonus.
I await your resolution.
|
| 08/05/2016 |
Yes |
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Web |
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I signed up for Citi CC offer promoted and received inflight on an XXXX XXXX flight on XXXX/XXXX/2016. I have scanned and attached the offer in its entirety for reference. There is what appears to be a document/offer # reference at bottom of page : XXXX. Key terms for XXXX bonus miles : {$1000.00} spend in first 3 months. Bonus Not Available " if you have had a Citi / AAdvantage Platinum Select XXXX opened or closed in the past 18 months '' I met that requirement having closed my previous card approximately 20+ months earlier, which is why I took the time to sign up. I followed up on the phone after not receiving a response a couple weeks later, and after some discussion, was approved and had the XXXX bonus offer confirmed. Rest of the story is represented accurately by a copy of my correspondence via Citi online message system below. I met the bonus requirement with $ XXXX spend in first month, but when the miles did n't show reporting immediately on my Citi statement ( as is their SOP ), I inquired about this. Their response was that I was n't eligible for the bonus as I had been a cardholder in past 24 months. My attempt to clarify that the offer requirement was 18, not 24 months, apparently fell on deaf ears, as you can see below.
Can you intervene for me please? Based on the 3 responses received I do n't think me appealing through this message system is going to have any effect - as much as I would think that would be the preferred method. Based on their very clear, in writing, good faith offer terms, I made the decision to spend my time and accept the impact of a credit review to sign up, and then to direct my spend towards this Card. They need to honor their offer terms.
Thank you.
XXXX Citi correspondence via online account message system : From : meXXXXom Subject : missing aadvantage XXXX bonus for $ XXXX Date : XXXX XXXX, 2016 XXXX EST Dear XXXX, We appreciate the opportunity to assist you.
As outlined in our prior message, you were not enrolled for the XXXX bonus miles offer because you have already received a same or similar offer on a different account within the past 24 months. Therefore, this account was not eligible for enrollment and we can not apply the XXXX miles to this account.
While we are unable to accommodate your request at this time, we appreciate the opportunity to explain our position.
XXXX, Sr. Account Specialist From : XXXX Subject : missing aadvantage XXXX bonus for $ XXXX Date : XXXX XXXX, 2016 XXXX EST Please review. Those were not the conditions of the offer. 18 months ( not 24 ) were the conditions. Footnote XXXX. This is/was a current offer. I kept original copy. I can send a scanned copy if necessary, but you should be able to find it by the following : The publication number for reference is XXXX. Offer expires XXXX/XXXX/16. Please add the miles asap. Thx From : meXXXXom Subject : Re : missing aadvantage XXXX bonus for $ XXXX Date : XXXX XXXX, 2016 XXXX EST Dear Valued Customer : Thank you for your inquiry.
We regret any confusion or inconvenience. We did not apply a bonus offer to your account because you received a bonus offer on a different account that was opened or closed within the last 24 months.
If you have any further questions, please let us know.
Best Regards, XXXX Account Specialist South Dakota From : XXXX Subject : missing aadvantage XXXX bonus for $ XXXX Date : XXXX XXXX, 2016 XXXX EST In reviewing my current statement I see XXXX miles reported for the {$1000.00} spend ; however that level of spend should have concurrently triggered a reporting of XXXX miles for the inflight offer I signed up for XXXX/XXXX/2016. I reconfirmed the benefits with agent when activating my citicard received. Please advise timing on receipt of bonus. Thank you
|
| 06/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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On XX/XX/XXXX I opened a brand new personal account with CITI Bank XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX DC XXXX. The banker 's name is XXXX XXXX. I showed two promotional bonus to XXXX XXXX : {$500.00} for business account with deposit of {$15000.00} for 60 days and {$300.00} for personal account with deposit of {$15000.00} for 60 days. She agreed to open both accounts for me in order to get {$800.00} bonus. She has asked two types of identifications. She scanned my driver 's license by using her own cell phone without my consent. I have asked her to delete my ID from her personal phone immediately. I also saw her to keep stepping on the floor when she keep walking to her back office on that day. On the same day XX/XX/XXXX I put deposit of {$15000.00} into personal account at cashier 's window. But she told me : '' you can withdrawl your deposit tomorrow morning '' - means XX/XX/XXXX. I was disappointed because my purpose was to get bonus and I have to keep the deposit for 60 days which I did until XX/XX/XXXX. On that day she also referred me to another business banker XXXX XXXX. I have showed all business account documents to XXXX XXXX. He told me that he need trade name. That's the reason he can not open business account. He asked me to make another appointment. I have tried several times by sending email to both XXXX XXXX and XXXX XXXX in XX/XX/XXXX. However there was no any response. I also emailed XXXX XXXX that she need to change personal account to business account because XXXX XXXX was not willing to open business account, so there was a {$200.00} less bonus. From XX/XX/XXXX to XX/XX/XXXX there was no any response from both of them. Until XX/XX/XXXX the 61th days after I put deposit over 60 days, I went to the branch to ask for bonus. But XXXX XXXX refused to pay and asked me to close account. I felt she has NO any intention to pay promotional bonus because she asked me to withdrawl the deposit from the second day I opened the new account. Same as another Banker from XXXX XXXX who closed my account within 10 days and refused to pay {$1100.00} promotional bonus ( The complaint was filed in the past against XXXX XXXX ). Because XXXX XXXX refused to pay and I spoke with her branch manager on XX/XX/XXXX. After I confirmed they did not pay. I withdrawled deposit on 61th days and she closed my account without my consent. From XX/XX/XXXX and XX/XX/XXXX I notified Citi bank customer service two times regarding same issue. I spoke XXXX ( employee # XXXX ) and her superior XXXX # XXXX. However they still refused to pay. At this time, I am asking {$800.00} promotional bonus to be paid since 150 days ( 60 days + 90 days ) almost passed from XX/XX/XXXX to XX/XX/XXXX. I also ask another {$700.00} in XX/XX/XXXX business account bonus ( failure to open per my several requests ) as well as another {$100.00} bonus in XX/XX/XXXX to be paid according to CITI Bank promotional bonus advertisement in branch. Total {$1600.00} unpaid promotional bonus. I am also asking XXXX XXXX to pay {$450.00} unpaid promotional bonus. XXXX XXXX {$1100.00} unpaid promotional bonus. XXXXXXXX XXXX unpaid {$700.00} promotional bonus.
Except for this, there was a bank error {$8500.00} balance printed on the XX/XX/XXXX bank statement, however I only received less disbursement which deducted {$8500.00} from the total balance. At this time, I am asking CFPB to enforce either XXXX XXXX XXXX or CITI Bank to pay the stolen funds {$8500.00} plus interest rate 20 %, late fee $ XXXXmonth, my time $ XXXX/day to collect stolen funds as well as criminal injury according to the lawsuits filed at both State and Federal Courts. ALL MY BANKING INFORMATION IS CONFIDENTIA INCLUDING ACCOUNT NUMBER, NAME, ADDRESS AS WELL AS ALL OTHER INFORMATION.
|
| 08/21/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
In summary : Citi closed my savings account, which holds the vast majority of my life 's savings ( close to {$100000.00} ) causing significant financial duress. They did not provide recourse to obtain those funds any earlier than " 30-60 days '' due to suspicion of fraudulent activity. This was done without proper communication and for reasons that are wholly inadequate.
-- -- Hello, I opened a savings account at Citi bank in XX/XX/2020 ( I received an email confirming approval XX/XX/2020 ). I was attempting to take advantage of a great interest rate.
To fund the account, I performed ACH transfers from two accounts of my own ( XXXX XXXX and XXXX XXXX XXXX ). The total amount exceeded {$100000.00} which is essentially all our available liquid savings.
On XX/XX/2020, I called Citi in order to learn how to best make a large transfer back into my XXXX XXXX XXXX account in order to write a check and make a downpayment on a house. Over the phone, I was instructed that I could transfer {$10000.00} via ACH and {$50000.00} via wire transfer. They mentioned that I could easily do that online. After that conversation, I hung up and performed the two transfers through my online account.
The {$10000.00} ACH transfer went through without issues. Leaving my bank balance near {$98000.00}.
On XX/XX/2020, I received an email from Citi stating that the wire transfer was canceled as they " couldn't verify information I provided ''.
On XX/XX/2020, I log on to my account to solve the issue, and I notice that my account is no longer appearing on my online profile.
I proceed to call Citi. And after many calls, speaking with many different agents, I am informed that my account is closed and there is nothing they can do to expedite releasing the funds, which will be released in " 30-60 days ''. It came to a point in which they read a script that finished with " I will proceed to disconnect this call '' and hang up on me.
During the conversations, some agents mentioned that if I went to my nearest Citi branch I could speak with a branch manager and they could release the funds.
Well, I am in XXXX, Texas and there are no Citi branches anywhere near me.
The next day, XX/XX/2020, I call multiple Citi branches in Florida ( which, to my knowledge, is probably the closest to me ). After calling 5 branches I finally get a hold of one. I leave a message and the branch manager called me back. He performed a conference call with Citi answering service ( and also called a couple of individuals on his own ) and the conclusion is that there is no recourse. He mentions that even if I traveled to Florida with proper ID and documentation, he still would not be able to release the funds earlier.
Citi bank closed my savings account, with a substantial amount of money ( most of my savings ). This is money that I urgently need to cover living expenses and a down payment on a house, which makes me run the risk of losing {$8000.00} in earnest money. They did so without properly informing me. And they reason it was done was related to a wire transfer that I made, following all the security steps, right after I spoke with them on the phone. Regardless of the transgression, all I wanted was for them to transfer the funds to the origin accounts or write a check and send it to the authorized address in their system but much earlier than 1-2 months from closing. Both of which they refuse to do.
I find myself needing my hard-earned money and with no possible option.
I believe this matter requires an official response from the bank, and hopefully results in disciplinary action to the individual that made the unilateral decision to freeze such a large amount of money without regard to the consequences that can have on a family unit.
|
| 10/30/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
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On XX/XX/2018 i reported 3 unauthorized transactions from my Citibank savings and checking accounts for the total amount of {$20000.00} occurred on XX/XX/2018 and XX/XX/2018. Since then for 2 and a half months Citibank was not able to resolve the problem and return my money. I put a complaint on Citibank where i described in details the security failures and violation of dual factor authentication protocol.
On XX/XX/2018 i received the answer to my complaint.
Citibank still denies my claim based on : " Upon review, it was found on a call recording that occurred on XX/XX/2018, that you informed us that you allowed a third party to remote access into your personal device. Once the third party had access, your device was used to log into your Citibank account online and the third party initiated the wire transfers. It was determined that no notifications were issued as the device and IP address were consistent with prior use. As such, we must respectfully decline your request for reimbursement. '' First of all i never said that i allowed anybody to remotely access my computer. This is not true. Transcript of the recorded conversation will prove it.
All i said that if according to Citibank findings my IP was in use for the transaction, means that the computer was hacked and through remote access criminals were able to steal my money without me knowing about it. Citibank says something absolutely different that i was not hacked but allowed hackers to use my IP and to steal money from the bank accounts.
Citibank also agreed that notifications were not issued since the device and IP were consistent with prior use.
I spoke with 3 different Customer Service representatives : XXXX - XX/XX/2018 XXXX - XX/XX/2018 XXXX - XX/XX/2018 All three said that there is a certain procedure or duo factor authentication protocol to initiate a Money Wire. It was confirmed that this is mandatory security procedure for every transaction regardless of home computer or any other device is being used.
According to the representatives bank must send one time passcode through SMS or through a phone call or if there is no access to the cell phone customer should call Customer Service Center and answer certain security questions.
XXXX also said that in my case should've been at least one red flag for the suspicious activity on my account since i never used Money Wire for 23 years and also because this is a very high risk transaction because criminals could steal all customer 's money.
Based on the information i provided, XXXX recommended to appeal the decision previously made by Citibank.
It's quite obvious to check not only IP and the device but also verify that the account holder is sending {$20000.00}, not anybody else who somehow obtained access to customer 's computer, and I don't understand why this simple procedure was not done on XX/XX/2018.
It seems Citibank instead of taking care of their security loopholes is trying to make the customer responsible for all the defaults.
Criminals are aware of these loopholes and will continue stealing more and more money until appropriate security measures will go into effect.
Once again i completely disagree with my bank response to my complaint and my problem.
I am a victim of very serious and sophisticated internet crime. I reported it to XXXXPD and FBI IC3 Unit. New York DA Office is also investigating the case.
Under penalty of perjury i declare that i never gave any permission, authorization or allowed anybody access to my computer and my personal information. I do not know any person to whom my money was sent through these unauthorized money wire transactions.
I expect my claim to be approved and request a complete reimbursement of {$20000.00} ASAP.
Sincerely, XXXX XXXX.
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| 04/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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From XXXX XXXX XXXX PST to XXXX XXXX XXXX PST, Citi employees have engaged in pattern of restricting COMPLAINTANT 's account with false cause, then refuse to properly verify him to unlock the account. There were total of XXXX account restriction over the course of 3 days.
( 1 ) XXXX at XXXX XXXX after adding the card to XXXX XXXX upon activation of replacement cards.
( 2 ) XXXX XXXX XXXX after adding the card to XXXX XXXX [ Interacted via phone call on XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX ] ( 3 ) XXXX at XXXX XXXX after adding the card to XXXX and XXXX XXXX on devices or accounts that have already been verified by previous representative, though it is expected that most users who receive their new replacement card ( s ) add the new numbers to previously added accounts and merchants. [ Interacted via phone call on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ] ( 4 ) After COMPLAINTANT successfully made transactions and locked/unlocked the card on XXXX at XXXX XXXX.
Representative initially resisted unlocking the card by claiming that it needs have the verification letter be read by the COMPLAINTANT to verify him. However, COMPLAINTANT pointed out that " if Citi can verify the COMPLAINTANT using the verification letter using the same mailbox ( as Citi faces same risk of wrongly verifying the true identity of the recipient of its letters/cards either way ), it also should easily be able to fix the issue by sending new replacement cards to the same mailbox. '' Each time COMPLAINTANT pointed out this strangeness, Citi employees have unlocked the account, just to restrict it again later on. It is questionable whether the true intent of these lock/restrict activities on Citi 's part is the truly guard the validity of the transactions or to frustrate COMPLAINTANT 's user the credit card. COMPLAINTANT also has other accounts with Citi, however, Citi selectively chooses to allow the other card to be used as a verification method while encouraging the COMPLAINTANT to put all his credit card accounts in to online mobile banking accounts, which would make it easier for Citi to lock COMPLAINTANT 's entire portfolio of Citi accounts, should Citi employees choose to manually intervene yet again. ( Since locking the mobile account for usage of one credit card would lock all accounts, as opposed to keeping those separate to prevent the restriction of one account from affecting the other ).
[ On XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ] When confronted as to why Citi has shifting reasons behind being unable to properly verify the COMPLAINTANT, Citi indicated that it can't reuse verification methods that have been used by previous representatives. It is baffling that further interactions regarding the card could have been prevented had previous representatives who exhausted verification methods successfully unlock the account, but rather leave it locked in order to have the next representative use it as an excuse to keep COMPLAINTANT 's account blocked.
Closest guess COMPLAINTANT has at this point is that Citi is attempting to block or restrict accounts that have additional authorized users that can obscure Citi employees ' way of tracking COMPLAINTANT 's movement and spending habits. By forcing COMPLAINTANT to be the only authorized user on the account, Citi can more easily trace the COMPLAINTANT and his activtiies. ( By constantly causing dispute/restriction issues, Citi maybe trying to justify future inquiries as part of a regular or ordinary routine. However it keeps failing to apply the same procedure or criteria against all other users as well as failing to have call/text/email/case records that would support its claim of carrying out ordinary procedures ).
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| 12/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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http : XXXX ( tv news report of our story ) In XX/XX/XXXX, my wife, XXXX and XXXX, and our XXXX young children moved into XXXX, in XXXX, TX. There we built our life, raised our kids, and active members of the community, church, schools, and the XXXX.
Throughout the XXXX years, we were also responsible in our finances. We live within our means. In XX/XX/XXXX, my contract of XXXX years was not renewed at my company due to financial hard times. We asked our mortgage lender, CitiMortgage for assistance to modify our loan to reduce our payments. By now, we had already been paying XXXX years on our home, and wanted to stay without having to dip into our savings or retirement if not necessary.
CitiMortgage agreed, and assigned us a friendly rep who began to work with my wife. XXXX made it clear we wanted to stay in our home, and asked what we needed to do. Over the next several months, the rep sent her forms to fill out, proof of past income, documents, etc of which XXXX provided ; making progress by phone and email in a working relationship. XXXX asked if she should be making mortgage payments during this loan modification process, and the rep told her " No, it only messes things up ''. XXXX did what the rep said to do, following her instructions on everything including forms, verifications, etc. Slow progress ; gaps of time between the rep contacting her for the next instruction. Active pockets of time would be followed by a dormancy period where nothing happened. A new rep was assigned to us in mid-stream with no explanation.
Letters came to the house that talked about possible foreclosure, but our rep assured us they were still working on our loan modification. Sure enough, we would receive encouraging letters confirming how our loan modification was close at hand. Our rep said the foreclosure dept of CitiMortgage was not up to date with our ongoing loan-mod work. Not once said they would foreclose. On XX/XX/XXXX an eviction letter came to our house saying it was sold at auction and a new owner was ready to take possession of the house. Immediately we called our CitiMortgage rep, but she was unavailable, and did not return our repeated messages. However, XXXX days after that, we received a friendly letter from CitiMortgage telling us they were still working on our loan modification. Complete communication failure and deception on the part of CitiMortgage in our loan modification resulted in our house being foreclosed on. They failed to communicate with us a concise picture of our loan modification, and deliberately delayed the process in order to run out the clock on the foreclosure process. Our lifestyle and our financial records show a clean record of paying our bills. It makes no sense that we would dutifully pay our mortgage for XXXX years, then suddenly stop, when we have money in savings, investments and XXXX to keep our home. We are XXXX hardworking people who have invested our lives into XXXX ; paid for 21 years on our home ; hit a bump in the road with my contract not being renewed, and faced it, responsibly asking for assistance from CitiMortgage who we trusted, and whose reps said they could help us if we worked the process. All we wanted from the beginning was to just lower our payments through modifying our loan. Up to the date of foreclosure sale, and beyond, we were sent letters by CitiMortgage for loan modification ( see attached ). We worked with them in good faith, and they took advantage of us. Web search shows nat'l lawsuits against big lenders including CitiMortgage who " dual track '' -- lenders ' reps pretend to work with you for your loan mod, while purposely delaying the process so the other part of the company can foreclose. Citi & others paid billions for this in years past.
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| 06/30/2016 |
Yes |
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Web |
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This is written notice to CITI BANK that your claim has been disputed under the FAIR CREDIT REPORTINGACT ( FCRA ), FAIR DEBT COLLECTION PRACTICES ACT, THE FAIR AND ACCURATE CREDIT TRANSACTION ACT, AND COLORADO STATE ATATUTES. I have the XXXX right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that INVALIDATED, INACCURATE, DISPUTED ACCOUNTS which are being illegally displayed on my credit file, be LEGALLY VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to CITI BANK by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( CITI BANK has now legally exceeded the time frame allowed by law ).
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes.
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ) FDCPA, FACTA, AND COLORADO STATE STATUTES within 30 days or a complete withdrawal in writing of any claim. CITI BANK has failed to remove this INVALIDATED accounts information, outlined in my original disputes. This inaccurate accounts information should not be associated with my credit report and CITI BANK has failed to legally VALIDATE this accounts information in the time frame allowed by law.
AS YOU CITI BANK, ARE IN FACT NO DOUBT AWARE, THAT IT IS ILLEGALY AND A DIRECT VIOLATION OF THE LAW TO CONTINUE TO REPORT THAT AN ACCOUNT IS ACCURATE, WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT IT IS!
CITI BANK HAS LEGALLY FAILED TO PROVIDE ME WITH THE FOLLOWING : Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and " VALIDATION '' HAS BEEN REQUESTED!
This is not a request for " Verification '' or proof of my mailing address, but a request for Validation made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence.
Please provide me with the following : What the money you say I owe is for-HAS NOT BEEN PROVIDED IN TIME FRAME ALLOWED TO YOU BY LAW!
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED Provide me with copies of any documents that show I agreed to pay what you say I owe-HAS NOT BEEN PROVIDED Identify the original creditor- HAS NOT BEEN PROVIDED Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED.
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED At this time I will also inform you that your offices have reported AND ARE CONTINUING TO REPORT INVALIDATED information to all three major credit bureaus ( XXXX, XXXX and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative marks that have been found on all XXXX of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Citibank/Sears for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character AS YOU CITI BANK ARE NO DOUBT AWARE THAT YOU ARE IN DIRECT VIOLATION OF THE LAW!
AT THIS TIME I HAVE WAITED LONG ENOUGH FOR CITIBANK TO CORRECT THIS ERROR, AND I WILL NOW ONLY ALLOW YOU 5 BUSINESS DAYS FROM THE DATE OF YOUR RECIEPT TO COMPLETELY REMOVE THIS INVALIDATED, INACCUARTE, DISPUTED ACCOUNTS FROM MY PERSONAL CREDIT REPORTS! CITI BANK YOU ARE VIOLATING THE LAWS AND ARE CONTINUING TO KNOWILY VIOLATE THE LAWS, AND YOU WILL LEAVE ME NO OTHER ALTERNATIVE BUT TO SUE YOU HERE IN THE STATE IN WHICH I LIVE FOR VIOLATING THE LAWS.
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| 12/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Fraudulent charges were made in the amount of {$830.00} in XX/XX/XXXX on a credit card that we havent used since last year. On XXXX XXXX, at XXXX XXXX, a text alert for potential fraud was sent to my phone. When I awoke to read it, I immediately responded " 2 '' to indicate I had not made these charges ( sent XX/XX/XXXX at XXXX XXXX ). At XXXX that same morning, I called Citi to speak with someone in their fraud department ( this was a 16 minute phone call answering their investigations questions ). They told me that if they had any further questions, someone from the investigations department would contact me. My new card shipped on XXXX XXXX. After not hearing from anyone but seeing that the charges were still on my account, I called on XXXX XXXX at XXXX to get a status update. I spoke with them for 21 minutes, answered the same questions I had already answered in XXXX, and was told again that if they had any further questions someone from investigations would contact me. Between this date and the next time I called, I happened to see on my XXXX XXXX app that the charges had been removed, which led me to believe that the issue had been resolved. Later, they reappeared on my XXXX XXXX report with a new remark stating Consumer disputes after resolution. As I had heard nothing from Citi regarding any kind of resolution and the fraudulent charges were still appearing on my account, I called again on XXXX XXXX at XXXX and answered the same questions for a 3rd time for 22 minutes because they again had no records of my previous conversations with them. Each time Ive spoken with Citi, Ive clearly stated that my husband and I were not in possession of the card when the purchases were made and that we have never been to the store locations in the XXXX, MA area where the purchases were made ( XXXX XXXX, XXXX, XXXX XXXX XXXX ). When I expressed frustration over how many times I had to follow up and answer the same questions as a result of my call records seemingly disappearing in their investigations department, the representative insisted that I had not spoken to them and that while the card was closed in XXXX, I had not contacted them until XXXX-XXXX, suggesting my own carelessness. XXXX phone records prove this to be categorically false, of course. I realized the full extent of their disorganization when I received a letter in XXXX notifying me that the investigation was closed and that we were responsible for the charges, citing a narrative that was never relayed by me to investigators ( specifically, " you verified that the card of XXXX XXXX was in their possession at the time of the transaction ( s ), so we dont consider this fraudulent activity ). I immediately called Citi Customer Service who tried to connect me with Investigations but then said they were not open on a Sunday ( XXXX XXXX at XXXX XXXX for 12 minutes, much of it on hold ). I called again on XX/XX/XXXX. Baffled by their incorrect reasoning for closing the investigation, I asked the representative to read me a transcription from a previous call and sure enough, she said I told them that my husband had the card on his person ( again, I never stated this ). Had they associated another customer 's narrative with my account by mistake? Clear that the investigation had been carried out with gross negligence, I requested copies of all call records, all call transcriptions, names of each person I spoke with over the course of 4 months and the name and contact info for the investigator responsible for my case - all of which I was denied. The representative told me I would need to write a letter to Security Services requesting that my investigation be reopened. As a result of everything outlined above, I am seeking other avenues for resolution.
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| 12/03/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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I have written Home Depo credit services XXXX XXXX XXXX, MO 3 Dispute letters along with receipts & my statements trying to show them the billing error that occurred between XXXX & XXXX. I returned 10 Boxes ( bought way to many from the advice of your flooring dep ) out of the 13 boxes vinyl plank flooring .I went online in to view my account it showed a negative balance of - {$110.00} in credit. Between the time I looked online end and the time I received my statement in XXXX XXXX the balance went from a credit of {$110.00} to owing over {$500.00}. Yes I'm aware I charged around {$340.00} but when I had my statements as was able to view this account online it was not $ XXXX worth. PLEASE NOTE : I initally canceled my card & ordered a new one thinking it was unauthorized .Upon receiving New Card I was no longer able to view any activity from the old Card as if it was a whole new account. That is why I am not being as precise with the exact amounts and dates. Over the last 7 months.
3 separate dispute letters with copies & copies of copies of my statements & dispute letter ( using FTC sample letter went out to Home Depo card services. Certified mail over the last 7 months the 3rd dispute I made the mistake of not making a 4th copy. Then again I should never have to write XXXX dispute letters with no results or answers.
I went to the local Home Depo customer service & the employee was able to print out some receipts but not everything like a statement shows. I called Home Depo Card services In XXXX asking to send statements for the last 4 months just to see if I could find out what went wrong & the 1st time they sent me a bunch of advertisements and sales they had at Home Depo The 2nd was XXXX and XXXX statements when I asked for XXXX XXXX and XXXX XXXXzero help. So I researched and did dome math and itthe amount came up to {$190.00} too much. Which was the refund I had received was reversed or not recorded or the cashier added back on I don't know but my bill was {$200.00} too much ( interest ) It was if I never as if I never returned 10 Boxes of flooring so I called Home Depo Card Services & the 1st time the man on the phone admitted they accidently added it back on and said they would fix it. This was in XXXX. The 2nd time I called was in XXXX in response to my dispute letter asking me to call with further information that's all it said a man answered and before I could tell him what I was calling about he spoke over me saying I know your return was added back on disregard the letter we figured it out give us time to fix it but we will take care of it. On my 6th bill I have received since writing XXXX dispute letters and nothing had been done like they acted as if it never happened and I would just pay it and go away. .In XXXX I called for prob the 6th time since XXXX a younger girl answered. I told her it's been 6 months this dispute has not been resolved & I could not believe I was hearing this!! ! She said YOU HAVE TO START ALL OVER WE NEVER GOT YOUR DISPUTE LETTERS .I said really your address is not XXXX XXXX XXXX XXXX Because I sent them Certified mail to the address it says to sent billing disputes to on my statement and Home Depo Card Services/ representative Signed for 2 of the letters. She said NO & gave me some off the wall address to restart this whole fiasco of this. It's apparent to me your dodging the fact you messed up .I asked you in writing to show that I owe every penny you claim I do with no response I have more than done my part.
You received my proof at leat 2 times that you signed for. TRY DOUNG YOUR INVENTORY FOR THAT MONTH IN FLOORING. HOW ABOUT YOUR CAMERAS LOOK AT THEM I CAME IN PUSHING A HUGE FLAT BED CARD IN THE MORNING XXXX A M. please do something besides ignore me
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| 06/12/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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In XX/XX/XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged a monthly service fee of {$30.00}. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$30.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 've done google searches and found forums full of people or are recently having this same problem with citibank. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. I have documentation through a secure message where citibank told me I had met all qualifications for the offer and would receive the points by XX/XX/XXXX. Here is a copy/paste of the secure message where Citibank acknowledged I had met the requirements for, and would receive the bonus points : XXXX XXXX XXXX XXXX Subject : Re : Promotional Offer Reference:XXXX Dear XXXX XXXX XXXX, Thank you for choosing Citigold Online Messaging Services. My name is XXXX and I will be more than happy to assist you with the XXXX ThankYou points promotion for checking account number ending in XXXX.
Thank you for opening a checking account with Citi. We are honored to serve you!
Our records confirm your account met the requirements for promotion code XXXX.
The bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 days from the end of the statement period in which you complete all offer requirements.
Please keep in mind this waiting period is standard for all promotions and can not be waived. Your promotion bonus will be applied after your 90 day waiting period is complete or no later than the XXXX XXXX statement.
If you would like to be notified of the status of your bill payments, you can set up alerts using our free Citibank Online wireless alerts service. This service provides you with the option to receive notices when bill payments can not be issued due to insufficient funds and when bill payments have not cleared in 15 calendar days. You can also receive alerts for all bill payments that cleared the prior business day. In addition to bill payments, you can get alerts on balances, deposits, or checks. You can receive the alerts on a text-enabled cell phone, at any e-mail address, or both. To set up wireless alerts please click on the " Account Management '' link and under " Account Services & Enrollments '' select " Enroll in/Manage Citi Alerting Service ''.
XXXX XXXX XXXX, it was a pleasure providing you with the incentive information. I hope you have a great weekend!
At Citibank, we take customer satisfaction seriously, and invite you to share your opinions about the service you received from me, XXXX XXXX. Please click the link below to take a short survey on your contact experience. You will need the reference number # XXXX listed above to complete your feedback.
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| 08/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I have purchase 2 flight tickets ( for myself and my wife ) with XXXX XXXX XXXX XXXX XXXX XXXX for the amount of $ XXXX ticket XXXX total amount of {$1900.00} XXXX. Our scheduled flight that was from New York to XXXX was expected to take place on XX/XX/XXXX to celebrate our honeymoon. The tickets purchase was done with my Citi Prestige credit card believing back then that Citi will stand behind me and protect me if something goes wrong. I have been a Citi customer for over 13 years. When Covid-19 pandemic occurred, the airline XXXX XXXX XXXX announce cancellation of the flight and went completely dark not answering any phone calls or inquiries made via email or social media channels. After trying to reach out to the airline several times and through several attempts, I reached out to Citibank on XX/XX/XXXX as service purchase with the card was not delivered and merchant could not be reached for comments or resolution. Citi reaction was that too much time have passed since the transaction occurred and that we need to contact merchant directly for resolution. As a reminder, merchant could not be reached and moreover both banks, regulators, and airlines were all encouraging consumer to give airlines time during the pandemic to respond and resolve issues. On XX/XX/XXXX, I reopened the dispute as I didn't understand Citi rational and was answered on XX/XX/XXXX ( XXXX weeks after!!!! ) by Citi stating that the merchant stated that they have extended a voucher to be used for future travel until XX/XX/XXXX. This of course does not help us when there doesnt seem to be any resolution for the pandemic in place and places that XXXX are operating in are at high XXXX risk without resolution in the near future. Moreover, on XX/XX/XXXX, XXXX reached out to us and told us the credit amount was reduced to {$390.00} per ticket!!!!!! This is where are do see XXXX as an attempt to step away from responsibility and crediting my credit card account. When reaching out to XXXX, they have mentioned that the remaining of the mount can be recovered by contacting XXXX a company they work. After contacting XXXX we were told that the refund amount they are willing to consider will be less 13 % of the fare and XXXX component plus the applicable cancellation fee, with As this completely changes the resolution that was not accepted at the first place by us, I reached out to Citi again opening a dispute AGAIN just to find out that Citi again is closing the dispute as it had been a long time since the transaction occurred without bothering to solve the issue. I expect this credit change event to reset the clock here as the merchant is clearly charging money here for a service that was never provided and offering 30 % of the amount originally charged for future credit with the airline. This is un heard of and it is about the time Citi take responsibility and protect its customers. Until now for the past 20 months no one from Citi bothered to call me, explain, ask for information and really try to resolve. I have all documentation in place and all communications as well as attempts for communication with all stakeholders including Citi and if Citi does not issue a credit on my account and charge back merchant, we reserve the right to take legal actions against the airline and the bank.
I expect a resolution from Citi to recover all amounts both the remaining amount with XXXX and the amount XXXX is refusing to credit as well as the amount that XXXX would be willing to consider crediting ( unless this amount will eventually be refunded ) once and for all, this is not how I would expect bank to operate.
I look forward to bank resolution and seek advise and support from the CFPB.
Thank you, XXXX XXXX, XXXX, XXXX XXXX
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| 07/28/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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Not only that the company didn't address any of the concerns I raised in my complaint number : XXXX, but intentionally tried to gray out the entire age discrimination issue I raised in my subject complaint, through injected new unrelated items, such as assets and prior year income from investment, neither of which I claimed as current income. Since my current income is made up of pension and social security income, it is special in the sense that it for life income and as such, it should not matter when I started receiving it. My current income therefore, should have been the companys focus, unless the company is trying to gray up the issues as to avoid answering my specific questions related to age discrimination by the company through incorrect and unfair application of its debts to GROSS income ratio.
Below are the questions I raised in my complaint # XXXX : A - Why doesn't the company add back to my net income ( pension and social security ), the percentages representative of FICA ( social security and Medicare taxes ), NYS income tax and the 70 % IRS exemption for my social security income to arrive at the equivalent gross income amount, to be used in determining the debts to GROSS income ratio used by the bank, in spite of the fact that CFPB defines " gross '' income as income which includes " taxeS '', and other deductions, emphases on " taxeS '' not just one type of taxes ( federal income ) as the company thinks.
- Summary of The Companys answer : absolutely no mention what so ever of the percentages representative of FICA ( social security and Medicare taxes ), NYS income tax. The company instead focused on the 11 % federal income tax I paid in XX/XX/XXXX.
B - Provide an explanation of the 11 % net to gross income conversion which Citibank used in denying my application, and how would that reflect the social security, Medicare and the New York state income taxes all of which I'm exempt from paying, and as such, their respective percentages of net income should be added back to my net income to arrive at the equivalent gross income which then can be used to arrive at the correct debt to gross income ratio?
- Summary of The Companys answer : Absolutely no mention what so ever of how applying the 11 % will substitute the percentages of social security, Medicare and the New York state Income taxes all of which I'm exempt from paying. The company instead mentioned income I received from investment in XX/XX/XXXX, something which is not only unrelated to my question, but rather to the entire loan application!
C - Citibank -the company- did not address why with a net income I earned from my job during XX/XX/XXXX which is happened to be less than my current net income, the same company arrived at an acceptable debt to gross income ratio in XX/XX/XXXX ( I was told it was in the 40 % s ) when I refinanced my mortgage back then, but not now when I'm applying for a smaller loan with higher equity in my home and most importantly, why that would not constitute age discrimination against pensions and social security receivers for not allowing them same opportunity allowed to wage earners?
- Summary of The Companys answer : No mention what so ever.
To summarize, Citibank is avoiding my specific questions related to treating those who receive pension and social security in a way EQUAL to those who earn wages. Specifically, when implementing the debts to gross income ratio. By not adding the percentages of social security, Medicare and local income taxes to the net pension and social security income received, or by intentionally avoiding to explain why it should not do so, I do believe Citibank is acting in an age discriminatory way, and not as an equal lender opportunity bank, as it should be.
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| 02/10/2017 |
Yes |
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Web |
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I received a missed call from Citi XXXX XXXX 2017 stating there were purchases on my credit card ending XXXX that were suspicious, and wanted to confirm if these were my charges. I told the Agent no, and that when looking at my past history from Citi card ending - XXXX you can see that I do not do any purchasing what so ever with this card. And these are definitely not my charges. I do n't see how this could have even occurred because I keep my card in my possession at all times and I even use my at home personal computer when paying my monthly bill. I am a very loyal customer when It comes to making monthly payments to the creditor but they have not been loyal to me when It comes to protecting my information as a customer of theirs. When I paid my monthly payment to Citi on XXXX XXXX 2017 I did not see any suspicious charges on my statement and I always review my balance monthly. My monthly statement XXXX/XXXX/2017 balance was {$1500.00} I made a payment on XXXX XXXX 2017 for the XXXX minimum payment {$32.00} which leaves a balance of {$1500.00}, all of this information is correct. However on the same day about one hour later after making my payment and reviewing my statement I receive a call from Citi Alerts asking me to confirm charges on my account. This was the first time Citi alerted me about these fraudulently charges but when I got a agent on the phone I am told that a few of the charges had even taken place before XXXX XXXX 2017. I do n't understand why I was not contacted before XXXX XXXX, why the wait when you already know that I am a customer that do not have a pass history of making purchases. This should have been a RED Flag right that Instant that something was wrong, ( perhaps fraud activity ).
Again as my history shows with this card holder I do not make purchases and I 'm sure they too can see this when reviewing my pass history with this card ending XXXX.
I was ask by the Agent to close this account so that she could open a new account with a different card number, I agreed to close the current account ending XXXX with remaining balance of XXXX subtracting the XXXX payment I made on XXXX XXXX 2017 But when I asked for a confirmation statement with this card ending XXXX emailed to me Citi agent emails me a balance including the fraudulently charges. I had been told by the Citi agent that these charges were declined and that they are not pending the charges on me and that they can see that I do not have any past history of purchases and that they do believe these purchases are not mine. XXXX of the charges where even stated to be from XXXX, I have a XXXX phone cell provider. This is ridiculous I never have this problem with any other of my creditors. I am very careful of protecting my credit cards and keeping them in my possession. This should not have happened. I am not waiting for a investigation, Citi agent said could take up to XXXX to 7 days.
I should not have any interest charges or balance that included the false purchases amounts. I should have my correct balance after I made my payment on XX/XX/XXXX2017. I have been told that a credit or refund will be credited to my account, and that I will be able to review my correct balance within XXXX to 7 days. But I just still want this to be known of because I am concerned right now and I am not feeling Secured by Citi card Services.
I will am sending as a attachment to this claim the email confirmation statement that was emailed to me from the Agent I spoke with after asking her to kindly correct my balance of the fraudulently charges on XXXX XXXX, 2017 Your submission, [ Case number : XXXX ] in my previous submission to you all yesterday I left out the attachment and wanted to included it for better understanding purposes.
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| 11/10/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
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Web |
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XXXX XXXX, XXXX, a subsidiary of XXXX XXXX XXXX XXXX XXXX, who CFPB has taken action against for using deceptive tactics to collect bad debts is doing so in Georgia and getting away with it. The firm that filed suit on their behalf is XXXX XXXX XXXX, XXXX, XXXX GA XXXX. The attorney who filed the suit is XXXX XXXX XXXX who claimed Citibank N.A/ Best Buy had issued me a credit card in XXXX and at issue I used the card and left owing a debt ; Citibank NA Best Buy has never reported negative or otherwise on any of my credit reports. She submitted forged/doctored evidence and three affidavits that had four different purchase dates for alleged account and claimed the alleged account was an account opened in XXXX & charged off late XXXX ; one of their purchase dates shows they would have purchased a non-charged off acct., they submitted the court a XXXX Citibank Credit Card Agreement XXXX In my filed answer, I showed their information inconsistent and inaccurate and how they accessed my credit report to try to piece together mailing address and other personal information to try and make the debt mine, they submitted unnecessarily redacted information represented by a black line, they have bills that I believe are doctored and stated in four affidavits the info to be true and correct electronic file documents. She did not object to my answer she just employed deception three days before court by using an associate, XXXX XXXX XXXX, to use his influence as a Georgia XXXX ( XXXX ), and his frequency w/ XXXX XXXX Ga Magistrate Court Civil Claims Div. ( he appears XXXX times as Associate Party-AP with the court and appears XXXX times as AP in the same county 's Superior Court. The way they work is their office has an attorney to file the suit and if defendant challenges them they employ XXXX influence and defendant finds themselves in a no-win situation.The judge & atty worked coherently & judge requires defendant prove the matter instead of debt buyer and will not allow you to present your evidence by interrupting you and changing the subject and keeps going in circles .The night before court I accessed the court 's website and learned that XXXX had re-submitted XXXX of XXXX docs that had been filed 1.5 months earlier with the lawsuit.The only NEW document was an affidavit stating the exact lies stated in the other three.The only difference was the submitter who had placed an eye-catching large blue signature on the first three consecutive documents which drew my attention and caused me to investigate him further that 's when I learned he was a GA magistrate judge, then, I knew what he was up to. I investigated XXXX XXXX XXXX - the magistrate judge to hear complaint & learned they shared the same XXXX. Before court the next day, I informed judge of my concerns of conflict of interest ; he did not recuse himself. I had an unfair hearing with an influenced an biased judge ; however, he did ask attorney about the XXXX credit card agreement she had submitted as evidence, but then allowed her to skirt the issue. I showed him a XXXX XXXX Best Buy credit card agreement that I had entered into by electronically signing an agreement at a XXXX XXXX GA Best Buy. He inquired of the address on the alleged bill and asked about possible id theft, I told him I had experienced id theft but informed him that, to date, the alleged account is not on credit report and was there-fore not reported on XXXX police rept. He reset hearing for 3 wks later. I HAD NO HEARING for he called us to the bench, ignored police report & the date of credit card agreement, the other county for XXXX acct and ended up ruling in their favor and told me to appeal in their Sup.Ct where my outcome will more than likely be the same due to XXXX influence
|
| 08/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have previously disputed my accounts with XXXX XXXX XXXX, Citibank, XXXX XXXX ( car loan ), XXXX, XXXX XXXX and XXXX XXXX indicating the creditors have consistently reported inaccurate information yet they have replied stating to the past disputes, the information is correct.
XXXX XXXX XXXX : to name of few of the inaccuracies : XXXX XXXX XXXX reported to XXXX XXXX and XXXX the account was charged off XX/XX/XXXX and reported to XXXX the account was charged of XX/XX/XXXX. XX/XX/XXXX the creditor reported to XXXX XXXX payment ok, XX/XX/XXXX the creditor reported to XXXX 30 days late, XX/XX/XXXX the creditor did not report to XXXX. It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan.
Citibank : The creditor reported to XXXX XXXX and XXXX the account was charged off XX/XX/XXXX and in XXXX reported the account as a charge off to XXXX. How can this possibly be fair credit reporting. In addition, the creditor reported to XXXX XXXX the account 120 days past due XX/XX/XXXX through XX/XX/XXXX, the creditor then reported the account 180 days XX/XX/XXXX, then went back to reporting the account 150 days past due ... It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan.
XXXX XXXX : XX/XX/XXXX the creditor reported the account as being a charge off to XXXX XXXX, XX/XX/XXXX a charge off to XXXX, for XXXX it my credit files states the account is a charge off however it doesn't state when. XX/XX/XXXX the creditor reported the account late 60 days to XXXX XXXX, XX/XX/XXXX the creditor reported the account to be OK, XX/XX/XXXX reported to XXXX the account was late 60-89 days. How can the account be late to 2 and not late to the other. This is sloppy and unfair reporting. For XX/XX/XXXX, the creditor reported the same as they did in XXXX and reporting remained to be inconsistent.
XXXX XXXX : XXXX and XX/XX/XXXX the creditor reported the account to XXXX XXXX as a charge ; XXXX and XX/XX/XXXX is when the creditor reported the account to be a charge off to XXXX ; it was not until XX/XX/XXXX that the creditor reported the account as a charge off to XXXX. With regards to late reporting : XX/XX/XXXX the creditor reported the account as ok to XXXX XXXX, Good standing to XXXX and 30-59 days late to XXXX ; XX/XX/XXXX they reported 30 days late to XXXX XXXX, OK to XXXX and 60-89 days late to XXXX ; XX/XX/XXXX the creditor reported OK to XXXX XXXX and XXXX and 90-119 days late to XXXX ; XX/XX/XXXX the creditor reported OK to XXXX XXXX, 30 days late to XXXX and 120-149 days late to XXXX. This is very inconsistent and unfair reporting. It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan.
Because of theses inconsistencies, I am requested all of the mentioned creditors remove their tradeline from all 3 of my credit files.
See attached spreadsheet for all of the inconsistencies.
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| 08/17/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Can't close your account
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Web |
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I opened a credit card with Citi bank back in XXXX. The card was rarely used and it was the only card that I opened with Citi. Until XX/XX/XXXX, after somebody stole my identity, I contacted Citi to close my credit card to mitigate the damage. Citi assigned a fraud specialist to my account. After about a month of investigating, I was able to closed my credit card. I received a letter from Citi confirming my account was closed. I also called in the XXXX customer service line to confirm that my account was completely closed. After that, I no longer receive any other correspondence from Citi.
Recently, I started to get emails from Citi regarding my credit card account. Each day, I receive an email for a different account ending number. The first one was received on Wednesday, XX/XX/XXXX, regarding an account that I don't remember associated with. The email indicated the following : " Your account has been closed due to a lost or stolen card. As requested by you or an authorized user, we closed your account. We're setting up a new account, and once approved, we'll send you a new card ( s ) with a different number. '' Being a fraud victim, I get nervous whenever I receive a notification about an unauthorized credit card account. Hence, I contacted Citi right away to inform the bank that I did not call in to get a replacement card and requested Citi to close the card for me. After spending half an hour with the customer service representative, I was told that there was a second card that was opened under my name, which I was not aware off. I was transferred to a fraud specialist. After spending another half hour with the fraud specialist going through the same verification process and giving the same explanation, the fraud specialist indicated that she'll closed out the second card and will send me an email confirmation within the next 24 hours.
I did not receive any email confirming the closure from Citi. On Thursday 's evening, I received another email from Citi regarding an online activity for another credit card. I contacted Citi again to explain my situation. The representative was clueless about what had happened. It appears that the bank do not keep good records of their customers ' calls. I had to spend another half hour on the phone with the representative to through the same verification process and repeated my explanation to the representative. Afterward, the representative indicated that the previous credit card account was not closed properly. Instead of closing out the card completely, the system automatically generated another replacement card without my consent. I was assured that this third credit card will be closed and I should received a confirmation from Citi within 5-7 business days. The representative also confirmed with me that I do not have any other credit card floating around with Citi.
However, the next day ( Friday ), I received another email from Citi for another credit card. It looks like this card also has an annual fee associated with it. Again, I also did not apply for this card. The card with an annual fee was opened without my consent.
I am tired of having to contact Citi everyday to close out credit card that I did not even open in the first place. Every time I call in to close one card, the next day another card would open under my name. Citi makes it so difficult for me to close out a card that was opened without my consent. Over the past few days, the bank has put me under a lot of stress and anxiety to close out my account. It is strange that the bank still able to issue a new card for me when I already froze my credit file. It is also stressful to know that the unauthorized card that I don't even know of also has an annual fee that I might be liable of.
|
| 06/27/2015 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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On XX/XX/XXXX I deposited a check into my Citibank account via Citi Atm from XXXX XXXX Bank. A month later it was paid but not to my Citi account. They told me the check was never redeposited or cashed. They refuse to discuss with XXXX XXXX bank who, by the way, was more than willing to help. I spent the next 11 months reporting this over XXXX sources such as OCC, Attorney General, XXXX, FTC, TV networks, various publications, etc. - even sued the person who wrote the check and lost. After being even more frustrated, I flew to XXXX to make a video with my XXXX friend about my journey to collect my money. Since no one would pay attention to my emails and phone calls I thought a video might be more direct to the people who were too lazy to read my story. I had gone to the Citi branch numerous times and spoke with the more than useless customer service XXXX #. Finally, CFPB made them listen and they refunded my money. Now they refuse to compensate me monetarily for lost wages/time interest. Their reason? They said I could have resolved it sooner! This is what I sent them to be compensated : Lost wages and money due to trying to reclaim my money which Citibank lost:1 ) XX/XX/XXXX-Took off a day of work to go to court to sue ex employer ( XXXX XXXX ) who bounced a check on me. Lost {$2400.00} ) Took off half a day of work to go to courthouse to talk to free lawyer services-Lost {$1200.00} ) Took off an hour from work 4 days to go to Citibank branch in XXXX XXXX to ask their help to research problem and write a letter for court- Lost {$1200.00} ) XXXX XXXX - Flew to XXXX to make a video of my story with my actor friend to reclaim my money since letters and emails were not working. Lost 1 day of work which cost me {$240.00} XXXX approx. {$200.00} ( XXXX # XXXX, ticket # XXXX ) Total lost wages and money - {$920.00}. I work as a XXXX XXXX at {$30.00} hr.
Aggravation hours:1 ) Numerous hours emailing and researching to find someone to help such as TV networks, newspapers, government agencies, etc2 ) Hours prepping evidence for court3 ) Hours filing a report and follow up with the Major Crimes Division of XXXX County , XXXXAfter being ignored by most everyone is when I went to make a video to tell my story and posted it on XXXX : XXXXCitibanks response to compensating me is as follows : Dear XXXX XXXX, I am writing as a follow-up to our telephone discussion of XX/XX/XXXX, concerning your request for compensation for lost wages you claim was a direct result of a check deposit processing error that occurred on XX/XX/XXXX. I regret that my attempts to reach you by telephone have been unsuccessful.
First and foremost, as much as all of us at Citibank take great pains to avoid errors, occasionally mistakes happen. Be assured that we remain committed to providing service that is efficient, reliable and professional.
XXXX XXXX, although the circumstances that occurred are indeed unfortunate, we must respectfully decline your request for monetary compensation in the amount of {$920.00}. We believe that the processing error that occurred on your Checking account ending in ... XXXX could have been identified sooner than XX/XX/XXXX, had our Bank Adjustment Unit received the proper Source of Receipt from the check maker 's bank XX/XX/XXXX. Notwithstanding, I am genuinely sorry for the resulting inconvenience this matter has caused you. As a gesture of goodwill and to bring this matter to resolution, we have submitted a request to credit your Thank You Member account XXXX Thank You points. The adjustments will reflect by the next statement cycle or within 30 calendar days. Regards, XXXXClient LiaisonCitibank Executive Response UnitCitibank Service Center XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX or XXXX
|
| 09/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I purchased a camera ( {$1100.00} ) XX/XX/XXXX with a promotional 0 % interest for 12 months with the value of the camera being paid off. I contacted BestBuy, spoke with XXXX, XX/XX/XXXX because my account showed a promotional balance of {$800.00} for the camera and {$230.00} for a cell phone that I bought XX/XX/XXXX and returned the same month. I pointed out that I 'd returned the phone so I should not have a promotional balance for it and that I 'd paid {$1300.00} between XX/XX/XXXX and XX/XX/XXXX, which more than covered the cost of the camera. XXXX said that I needed to specify, when making payments, that the payments were specifically for the camera. I told him that I was n't informed of that when I made the purchase and no where in the paper work does it say that. He said he would make the adjustments to my account to reflect that the promotional balances were paid off, both the phone and the camera.
I followed up on XX/XX/XXXX and spoke with XXXX because the phone promotional balance of {$230.00} was deleted, but now the camera reflected a promotional balance of {$230.00} - the exact amount of the cell phone purchase. XXXX told me that it could take two billing cycles for the correction to be reflected on my account.
XX/XX/XXXX I called BestBuy again and spoke with XXXX because my account still reflected the promotional balance of {$230.00}. XXXX, then told me that they had made all of the adjustments that they possibly could have and no more could be made. I asked XXXX why is it that the amount that still remains on my account as a promotional balance the very same amount that was paid for the cell phone that I returned. She then claimed that they could not go back and make any adjustments beyond 6 months. Then she said that only payment amounts that were made ABOVE the minimum due could be applied to the promotional balance on the credit card. I told her that it does n't say that on anything that I got after making my promotional balance purchase. I then pointed out to her that the math does n't add up as far as my payments and the ending promotional balance. It 's more than a coincidence that after they removed the {$230.00} promotional balance for the returned cell phone that my remaining promotional balance for the camera is the EXACT same amount as the returned cell phone, {$230.00}. She said she would ask her supervisor about it. After putting me on hold, she came back and said that her supervisor, XXXX, would review it and " will make adjustments that need to happen ''. To make " adjustments that need to happen '' does n't tell me that they will REMOVE the promotional balance that should not be on my account. If they do not remove it by XX/XX/XXXX, they are going to add {$240.00} in interest to my account for the camera, which has already been paid off. To date, I have paid, {$1900.00} to best buy, which more than covers the price of the camera ( {$1100.00} ) The Terms and Conditions language about the 12 month financing, from and email sent to me after opening the credit card, only specifies that " Points are not awarded on promotional credit purchases. '' There is no mention of how my payments will be applied to the promotional balance. Below is my payment history on the account.
Date Payment XX/XX/XXXX {$25.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$150.00} XX/XX/XXXX{$75.00}XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$50.00} XX/XX/XXXX{$50.00} XX/XX/XXXX{$150.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00}XX/XX/XXXX {$400.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX{$50.00}XX/XX/XXXX {$35.00}XX/XX/XXXX {$55.00}XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} TOTAL {$1900.00}
|
| 08/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Attn XXXX XXXX I had a credit card with Home Depot and I got behind in my payments. I am XXXX years of age. My business of over 40 years began bringing in less and less money, starting in XXXX, because it is dependent upon the XXXX. The XXXX was in a downward spiral at that time and is just now coming out of its decline. We took on more debt than we ever had before, just to keep things going.
My wife had always handled the finances, ran the household, cleaned the house, did the laundry, shopping, cooking, etc., and, in general, took care of our XXXX XXXX dogs, me and everything else. She also worked for the my business doing reports, which were very time consuming, but she did them quickly. Unfortunately, my wife was stricken with XXXX XXXX, which affects people in different ways. My wife mainly has XXXX, all of which are so severe that she sometimes can not get into or out of bed, or put on all of her clothes, by herself. So, whenever necessary, I help her with whatever she needs. I also try to do the household things my wife used to do, but am falling very short of that. In addition, I do not do " the time consuming reports quickly. '' In fact, sometimes they seem to take me forever with all of the interruptions and additional things I am now responsible for. I am trying to deal with my situation, but it really is dire.
Further, money is so tight that we can not afford to eat healthy. When a company demands a large payment with the threat that they will charge off our bill if I do not pay it, our " food money '' is the only place to take the funds from. I was re just asking for some time and consideration. As I said above, I had a credit card with Home Depot and I got behind on my payments. I should also mention that I had XXXX other credit cards, and other assorted bills, and I got behind in my payments on all of them, as well.
I usually pay my bills by telephone, so each time I called Home Depot Credit Services to pay my bill, I received a lecture about my payment being late, at which time I would again explain my situation.. They told me my situation was considered a " hardship, '' so I needed to speak to a Debt Counseling Company. I had already spoken to XXXX called XXXX XXXX XXXX. I guess Home Depot sold my account to Citibank when I got behind in my payments because suddenly Citibank was calling me constantly. I explained my situation to the Citibank employees. Citibank continued to make its same demands, while I explained to them, over and over again, that I could only promise to pay {$50.00}, until things improved.
On XXXX XXXX, XXXX, I paid Citibank {$50.00}, on XXXX XXXX, I paid {$160.00}, which included the money we needed to buy food. I supposedly had to pay that amount to keep them from charging it off. I begged them not to charge it off because there was no way I could pay the entire balance, which I also constantly explained to them. On XXXX XXXX and XXXX XXXX, I paid Citibank {$50.00}. Then, on XXXX XXXX, XXXX, XXXX told me I had to pay an additional {$250.00} or they were going to charge off my account. As usual, I begged them not to charge it off because I could not afford to make payments, let alone the over twelve thousand dollar balance, so I paid Citibank the {$250.00}.
On XXXX XXXX, XXXX, I called Citibank to make a payment, but was told they had charged it off and that my dept had been sold to XXXX XXXX. I called XXXX XXXX. I told XXXX XXXX that I wanted to make a {$50.00} payment. He said that I had to pay the entire {$12.00}, XXXX. I told him there was no way I could pay more than {$50.00}. He said I would have to talk to XXXX XXXX. I explained the situation to her, that I could not pay the full amoun
|
| 02/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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I opened a checking and a savings account with Citibank online on XX/XX/2021 to take advantage of the special bonus for qualifying balance.
I deposited the {$500.00} to the checking account and {$15000.00} to the savings account from my main bank electronically on XX/XX/2021.
On XX/XX/2021, I received a notification from USPS of my incoming mail with pictures of the actual envelopes. Two of the mails are from Citibank, one looks like an envelope containing the debit card and the other with the temporary pin.
On XX/XX/2021, I collected the mail and found that the two envelops from Citibank were missing so I called the customer service at XXXX XXXX PST and reported this issue to the customer service representative. The customer service representative said that she can not trace the mail and that there is nothing she can do. She transferred me to the new accounts department and I requested that they close the accounts. The representative confirmed that the accounts were closed and that I will receive a check for the {$15000.00} within 10 business days.
On XX/XX/2021, XXXX XXXX PST I received a Fraud text alert from Citibank about a {$660.00} charge at a XXXX Store. The text asked to respond yes/no to the charge, I responded NO. I called and reported the fraud and was informed of another charge for {$2700.00} at a XXXX XXXX Store. I went through the process of disputing the charge. I mentioned that I never received the debit card and pin and to immediately freeze the account and including the online access. The representative said the he froze the account and that I will not be responsible for the unauthorized charges.
On XX/XX/2021, XXXX XXXX PST I called the customer service line to follow up and inquire about why the account was not closed as requested on XX/XX/2021. The customer service agent confirmed that the account was not closed immediately, instead a request to close was processed. Therefore the charges were made. I repeated again that I requested an immediate closure which could have prevented the unauthorized charges.
On XX/XX/2021, XXXX XXXX PST I called the toll free number and asked for an update and informed that it is still under investigation. I explained the whole situation to the agent and to notate this time. I asked for a follow up call from a supervisor and she said I will get a call.
On XX/XX/2021, XXXX XXXX I called the toll free number after receiving a letter from Citibank notifying me about the results of their research. The letter stated that the {$2700.00} was made from the card and pin. I was told that my account is closed and I was refunded the sum of {$3000.00} and some change. I asked how my checking account had over {$500.00} and was told that there is {$8000.00} and change in my Savings account. I asked to be transferred to the dispute department and the direct line, They gave me XXXX XXXX XXXX. The phone never connected so I called the number and it is a fax number. I called the customer service and she said my account is locked and I need to call again. I called again and was never successfully transferred to the dispute line.
I looked online for the dispute line. I called at XXXX XXXX PST and inquired about the case. I asked to reopen the dispute. She asked me for for additional information and to send the email from USPS to an incorrect email address. I attempted to send the email was returned.
I want to report report Citibank for their negligence. They did not do a thorough investigation. Instead just looked at the obvious- using the card and pin excuse. They should not have sent the card and pin on the same day together. They should have closed the account immediately as requested. The should follow consumer protection guidelines.
|
| 03/01/2017 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
Recently I had a very bad experience with My Best Buy Credit Card ( affiliated with Citi bank ). Not only I have been charged more than what I 'm supposed to pay, also they have messed up with my credit score while this case was still under review. I feel that I have been cheated and I need justification please. My experience with Best Buy Credit Card summarized as below ; ( 1 ) On XXXX XXXX I Purchased a XXXX for approx. {$1700.00} in Best Buy Showroom at XXXX, XXXX, XXXX, CA.
( 2 ) At the time of purchase, Best Buy offered me an 18 months Promotional Offer. This offer allows me to pay $ XXXX month for 18 months ( I 'm supposed to pay approx. {$1700.00} ( Camera Price ) by XX/XX/XXXX ) without any interest. Also I was not informed that this card is from Citibank, nothing was communicated to me.
( 3 ) I did sign up for the " Auto Payment '' option and the deal was for the credit card to deduct {$100.00} every month from my Personal Bank account ( XXXX - Checking Account ).
( 4 ) On XX/XX/XXXX ( after 2 months ), I got a call from Citi bank customer care saying that I did not make any payments for the last 2 months. I was shocked to hear this as I did sign for auto payment. I explained this to the caller and she apologized and told me that the auto payment option has not been enabled at their end. Also at that time I was out of the country, on vacation. The caller then asked me to call Citibank once I 'm back to XXXX.
( 5 ) On XX/XX/XXXX, I called customer service from the nearest Best Buy Showroom and they apologized once again for not enabling the " Auto Payment '' option. During that call they ask for my permission to enable the auto payment option. The caller did mention that since I have not made my last payments, the first deduction will be for {$200.00} and {$100.00} every month moving forward. The caller did also mention I will not be charged any interest for the missed payments.
( 6 ) Meanwhile Citibank has reported to the Credit Bureau and it affected my credit score ( from XXXX to XXXX ) in XXXX - XX/XX/XXXX. I called Citibank customer service and explained to them it was not my mistake that the auto payment option has not been enabled and I was out of the country. They told me that they will inform to Credit Bureau that it was a false report. This is my first impact on my credit score and it is all because of Best Buy and Citibank carelessness. I then worked very hard to build my credit scores.
( 7 ) The " Auto Payment '' option that I signed up with Citibank was supposed to stop in XX/XX/XXXX but I noticed that the deduction form my account was still ongoing and they took extra {$400.00} ( from XX/XX/XXXX to XX/XX/XXXX ).
FYI, till date I did not received my Best buy Credit Card, until I receive it I can not login or access my account.
( 8 ) I called Citibank Customer service on XX/XX/XXXX and I was told that I still owe $ 300+.
( 9 ) I explained everything to the customer service ( from Day 1 story ) but they did not have any access to my account. They could only access the last 6 months statement. Also, till today I have not received the actual credit card, it was not mailed out to me. They suggested me to request for the complete statement ( from XX/XX/XXXX to current date ). I did request for the complete statement and I was promised that I will get it in 7 to 10 days but as usual they did not send anything to me.
( 10 ) I called them again and again for 3 months ( till XX/XX/XXXX )! For the statement. I must have made almost 10 calls to request for the statement and finally after 3 months I received the full statements.
I provided my Account Number in " Credit card Number '' section.
I ran out of space here! Please see the supporting document for complete story.
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| 01/03/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Staples Corp. sent my company to XXXX for accounts that had been paid. They did not allow a reasonable period of time for us to respond with payment ; less than 15 business days, when we had discovered errors in their billing which warranted us to review closely the request.
History : I promptly responded upon receipt and requested that our bookkeeper assist in researching stated past due accounts listed in an email dated for XX/XX/XXXX from XXXX XXXX our assigned account representative by Staples. This email asked that I please assist with some invoices not paid in arrears. I assured XXXX XXXX that this concerning and we would research it and certainly pay outstanding balances. As the XXXX I needed to be sure that nothing was overlooked.
I did not receive any further communication from XXXX XXXX, instead I received another email from the collections department at Staples.
This email was from XXXX XXXX and was received on XX/XX/XXXX. I assured her, as I had XXXX XXXX ; that this situation was a top priority for us and that we were alarmed that there were past due balances. I did ask for an explanation as to why we were not notified sooner, as we have been paying invoices received after those dates for balances owed. I asked what the process was on there end for notifications. Both our bookkeeper and I requested invoices to verify proof of purchases from Staples collection department on that same date of XX/XX/XXXX.
For the invoices outstanding XXXX responded on XX/XX/XXXX with most of the invoices requested. We did our due diligence and reviewed our accounts receivable/payable and I requested a printed check on XX/XX/XXXX and it was printed on XXXX/XXXX/XXXX for all outstanding invoices and some current invoices. Our bookkeepers mailed the check to me and it was signed and mailed to Staples. Less than 7 business days from Staples providing necessary information to validate charges. That check was deposited electronically on XXXX/XXXX/XXXX by Staples.
Further documentation to support the need for close scrutiny of balances as the XXXX ( which they were informed of ), as mentioned above ; is that on XXXX/XXXX/XXXX our bookkeeper provided proof to XXXX of XXXX invoices that Staples collection department had listed as being past due that had actually been previously paid. The check number and date were provided as well to assist them in correcting the incorrect information.
On the same date of the deposit by Staples of XXXX/XXXX/XXXX a letter was printed by XXXX with a demand for payment.
I responded in email to XXXX XXXX at XXXX with verification after spending 1.5 hours of my time to pull proof of payment on all invoices listed on the demand letter. I also contacted XXXX and spoke with XXXX XXXX (? ) providing her line by line the date for checks made and the amounts to pay balances that they had listed as past due and under collection and advised her that all accounts have been paid with exception of a current charge at the end of XXXX XXXX ( which I had already authorized payment of this morning, prior to this taking place ). I have made a verbal request for them to cease communication efforts on this matter and will be sending them via email a formal letter related to their claim # XXXX.
In the demand letter only XXXX of the XXXX listed balances had been past due ; of the past due amounts we had not received any invoices and was the stated reasoning to XXXX behind our request to review copies. We promptly responded to all communications and paid as well after verifying that the balances were in fact outstanding. We had some reservations again after noting that we had paid in full for listed invoices that they were stating as past due from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
|
| 04/12/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
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Web |
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I am writing regarding recent handling of my account with CitiFinancial.
I have had this loan for eight years. During that time, I have not needed to communicate at all regarding my account. I pay my bill, they take my money, no issues. Recently, however, I have been in the process of refinancing my home loan. I am working with a bank that will refinance us into a VA loan ( my husband is a XXXX veteran ). We have been paying nearly 7 % interest on our current loan, and the economy has sufficiently rebounded to the point where we can get a lower interest rate. We have literally been waiting for years for this day to come.
We submitted paperwork to CitiFinancial to get a subordination on XXXX XXXX, 2015. We have been told each time that they have a 30 business-day turnaround for this document. That 's six full weeks to get an update to a document that already exists with my current loan. I have a loan pending, and am stunned that an organization that deals with mortgages and loans ca n't expedite a document when a loan is pending. I have paid for an appraisal, provided all the information to the Federal Government to get the VA financing approved -- and completed the list of documents required by CitiFinancial. Apparently, though, CitiFinancial has set back the date another week because the authorization we provided was n't their form. They are saying that the complete packet was received on XXXX XXXX after we were told several times that they had everything they needed on XXXX XXXX.
I also want to provide feedback about their phone system, the communication I had with their corporate office, and their customer service department.
Phone System : I have notified their customer service staff on several occasions that they have an issue with their phone system. If you call ( XXXX ) XXXX, and enter your account number or home telephone number, followed by the last XXXX digits of your Social Security Number ( XXXX TIMES ), then you 'll be transferred to a customer service representative. Then, when you get the representative on the phone they 'll ask for your account number, your Social Security Number, your name, address and telephone number. See, they have to look it up anyway because their system is n't set up to automatically bring up the account information. I know, because I asked.
Calling the Texas number is n't any better. When I called that number, the automatic greeting said " thank you for calling One Main Financial. When I pressed the option I wanted, the automatic greeting said " Thank you for calling CitiFinancial. '' When I spoke with the person on the line, she told me that I needed to go to my local CitiFinancial office and I could get the subordination there. She looked up the number for them, and when I called, the manager answered " One Main Financial. '' The One Main manager told me that CitiFinancial mistakenly sends their customers to One Main on a regular basis.
Customer Service : I have spoken with customer service on several occasions, and some of them have tried to be helpful, but have their hands tied when it comes to providing customer service. They tell me that there is n't a supervisor to speak to, and it 's going to be 30 business days. That 's all they can say -- they might as well be a recording. I 've been waiting for 4 full weeks, and I apparently have 3 more weeks according to customer service. I want to paint my house and put in a new fence so I can plant my garden -- things that have to wait for CitiFinancial. And it probably goes without saying that once this document comes through, I 'll be looking for another lender to finance this loan through. Livid does n't begin to cover how I a feeling at the lack of customer care that CitiFinancial has for me.
|
| 09/21/2015 |
Yes |
|
- Customer service / Customer relations
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Web |
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In XX/XX/XXXX, we purchased granite tile from the XXXX located in XXXX, IL, which cost several XXXX dollars and was to be installed in the primary shower area in our home. Based on the promise of the sales person at the time of purchase that the store also could install the tile and would stand behind the work forever, we also engaged XXXX to install the granite tile. Prior to installing such tile, we DEMANDED that the installer apply a waterproofing material to the underlying cement board before installing the tiles. After the installation process was completed, I asked the installer if he had applied a waterproofing material before installing the tiles, and he stated that " it was a professional installation job. '' Thereafter, we regularly ( i.e., at least annually ) sealed the tiles and wiped off excess water every day. Within three years thereafter, a water line began forming behind the bottom row of granite tiles just above the bathtub. In addition, we noted that the grout applied around certain granite tiles, and especially around the tiles in the corner directly below the shower head, had visible holes in it. In XX/XX/XXXX, we telephoned and visited the store to complain about the growing water line forming behind the bottom row of granite tiles and also to report that mold was now visible. The store manager, XXXX XXXX, was verbally abusive and combative in response. He accused us of being dishonest and also stated that waterproofing material is not necessary in a shower area. In XX/XX/XXXX we filed a written complaint with XXXX regarding the above situation that included illustrative pictures and copies of invoices that prove no waterproofing material was included in the materials used during the original installation. XXXX insisted that the same installer come to our house to fix it. We set up several appointments with the installer, but he cancelled many such appointments on short notice. Finally in XX/XX/XXXX the installer visited our home to evaluate the situation. We provided him with a sample of the granite tile so that it could matched and he stated that he was going to have a meeting with the store 's management to discuss our situation and that he would revert back within a week. By XX/XX/XXXX, the installer still had not contacted us and I called XXXX XXXX, a manager in XXXX. During this conversation, it became clear that XXXX XXXX had not followed up to monitor the installer 's progess in fixing this situation. XXXX XXXX also trivialized the situation. Because the water and mold continued to build at a rapid rate behind the granite tiles, we hired a XXXX rated tile installer to remove the bottom row of granite tiles to evaluate and make repairs to the originally installed tiles, which cost approx. {$2300.00}.
The new tile installer found the following defects in XXXX workmanship:1. No waterproofing material was applied to the cement board prior to installing the granite tiles.
2. There was defective caulking and grouting around the bottom row of tiles.
3. Roofing nails rather than screws were used to secure the underlying cement board.
4. Insufficient space was left between the bottom row of granite tiles and the top of the bathtub.
All of the above defects caused water to leak behind the bottom row of granite tiles. Pictures were provided of the above defects as well as every stage of the new installation process, which was submitted with an explanatory letter to XXXX. Although we have submitted incontrovertible proof of the defects in their installation process of the granite tile, XXXX has refused to reimburse us for the cost to replace the damaged tiles. They did not keep their original promise to stand behind their work, and we have been scammed as a result.
|
| 03/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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Sometime around XX/XX/2023 we hired XXXX XXXX to install a dishwasher. When the appointment was made we went into great detail to explain our kitchen set up and also answered all of the questions they asked us. The person helping us was XXXX and after going through everything involving the job he gave us a quote and explained what each item was that made up that quote- it was for {$320.00} and included the installation of the dishwasher, installation of an electrical outlet and fees for hauling away 2 dishwashers. He then said they required a credit card on file to hold the appointment and we obliged. On Wednesday, XX/XX/XXXX they showed up to do the work. The first thing they looked at was the location of the pipes and discovered that they are coming up from under the house ... .vs the other possibility of them being behind the drawers of our island connected to our sink. They then said they needed to access the crawl space to take a look. Once they were done with that they informed us that they would not be able to do the job and would have to come back another day as they weren't prepared for an installation involving pipes under the house. We mentioned that when we were talking with XXXX setting up the appointment we told him we didn't know where the pipes came from and we discussed the two possibilities expecting that the installers would be prepared for both scenarios. The young man at our house said XXXX had not put that in the notes for the job. We said we were fine with rescheduling and then the young man informed us that they were going to charge us a fee for the " Site Inspection '' they had conducted. He said this would be in addition to the quote we had been given. When asked he said he wasn't sure how much the fee would be but he thought it about {$140.00}. We told him we were not ok with this and ultimately after he called his manager- who was actually the company Owner from what he said after- and we were told the fee was going to be charged. We expressed we weren't ok with it and I asked for the name of the decision maker with the company and he gave that information to me and left. We called the appliance company that we bought the dishwasher from and that referred us to XXXX XXXX and spoke with the manager there. After hearing our story she offered to contact the owner of XXXX XXXX as she has a good relationship with him. She also mentioned that XXXX is new. To this date I have never heard back from her and a couple days later a fee for {$160.00} was charged to our credit card. We filed a dispute with Citi, the issuer of our credit card and they declined the dispute saying " After a review of your dispute, we determined that we are unable to assist you because you received the services you contracted '' ... and referred us back to XXXX XXXX for any further resolution. Here is our position : When the installers showed up for the job they were there to do an installation. They looked behind our drawers in our island and accessed the crawlspace all under the guise of completing an installation. After they did that work they THEN told us there would be a fee for a " Site Inspection ''. That was the very first time those words had ever been mentioned to us. We weren't told about it during scheduling, we weren't told before they did the '' inspection '' and we were not given an option to accept their fee or not accept it and decline the service because it was never on the table until after they determined they would have to come back. They very clearly did NOT do the job they were contracted for and created a way to still charge us due to their mistake of not being clear in the job order. The reasoning for declining our dispute is not a fair evaluation of the actual events.
|
| 04/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Dear Madam or Sir, I am writing you regarding two issue I am having with Citibanks Secure Master Card division, which in all honestly seem like a completely different company when compared to Citibanks private banking branches. I say this because of the lack of professionalism and lack of genuine good customer service and negligence I have had to endure.
My secured credit card was abruptly and without any notification to me, closed last XXXX of 2019. Citibank then ceased the {$500.00} security savings deposit I had transferred to them in order to open this account. After ceasing this deposit and applying this deposit to my balance the amount I owed was {$100.00}.
After contacting Citibank secured card they informed me that the account was closed because of a returned electronic check payment. I informed them that I had spoken to someone at Citibank secured card about the returned check because it was sent in before the due date and when I had authorized it to be charged and although the representative at Citi had promised me that the electronic check would not be run, or presented to my bank again, Citibank attempted to run this electronic check 2 more times causing me to occur {$95.00} in overdraft fees from my bank. When they closed my account I was waiting for Citibank to resolve this issue and asking them to reimburse me for the fees I had occurred from my bank. Instead of a supervisor ever calling me back as I was promised and resolving this issue, they closed my account and ceased my deposit without any notice and without attempting to reimburse my fees as I had been told they would possibly do because of what they had did.
After contacting them a number of times afterwards and no one called me back I decided today to file this complaint because after speaking to someone by the name of XXXX in their recovery department, he told me the balance owed was now {$260.00}. I asked him how could that be possible because I had been trying to get this issue resolved and a supervisor was suppose to have called me back and also because they could not add late fees and other fees on a closed account. He told me they were added because basically I was just stopped from using my card, or rather restrictions put on my card. I told him that was not true and they told me my account was closed in XXXX and also because they told me they had took my deposit and gave me the balance of {$100.00} over the phone and sent me an email with the balance, so I know it was closed in XXXX. He then didnt say anything, but seemed like he was at a lost for words. I then asked to speak to a supervisor, but he told me that he was on another call and would not be able to call me back. I then asked for my account number so I could include it in this complaint, but he told me he did not have any access to it which completely sounded ridiculous because he was in the recovery department and he had just looked up my account information.
I am seeking your assistance with these issues as this has affected my credit and I feel now that they are trying to take advantage of me, especially with the situation in this country now and myself being on leave because of the covid crises. My major concerns are not only the fees, but also because of my account being closed, which I feel was done unjustly. Your attention to this would be greatly appreciated.
Please note that the rep at Citibank Secured Card would not give me my account number after I had told him I was filing a complaint with your office. He told me as I mention that he did not have access to the account, but only the last four numbers which are XXXX. I will try to put my social security number in the section that asks for account number.
Thank You, XXXX XXXX
|
| 10/22/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
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My husband passed away on XX/XX/XXXX ; as you know there 's a lot of paperwork that has to be completed. I had to have my husband 's name removed from all of our joint acts, & did n't have any problems doing so until I called Macy 's. We had a Macy 's American Express acct that could be used at all Macy 's stores & everywhere XXXX was accepted. On XX/XX/XXXX I called Macy 's customer svc, was told by the rep it was too late in the day to reach their Probate Dept ( I had to speak to this dept to have my husband 's name removed ), told to call back the next day. I had to use my XXXX card that evening, it was denied. I called customer svc to first find out why my card was denied, next to speak to Probate to have my husband 's name removed. I was told that my acct was closed, the cardholder was deceased ; over the next XXXX hours ( several long holds & XXXX hang up on me ), I asked, how a customer svc rep could arbitrarily close my acct without going through the Probate Dept. I was told the only thing I could do was to open a new acct, &, " No, you ca n't speak to the Probate Dept '' I said I do n't want to open a new acct, I have been with Macy 's over 45 years ; I would lose my status of better coupons & my credit limit. After getting angry I finally got Probate, she reinstated my acct., it should n't have been closed. Since all of this began : I had XXXX fraudulent charges on my XXXX bill, had to get a new card, now told that I ca n't remove my husband 's name because of this ; my XXXX payment was applied to the old acct #, my card was denied at Macy 's, stated I had n't paid my bill ; {$6600.00} was taken out of my bank acct by Macy 's on XXXX XXXX, never got credited ; during all my calls to get this credit, on XXXX I was told someone called said card was lost, had to get a new card ( I said I did not call in a lost card, why was I able to charge until XXXX if card lost, no answer ) ; spoke to fraud dept. was told nothing in notes about a lost card call ; I called the corporate ofc, spoke to the asst. to Pres., told her all that happened, she stated that the payment was being processed call in XXXX hrs to make sure it was posted, also said nobody called about a lost card ; she connected me to Probate, the process of removing my husband 's name started ; called XXXX hrs later to see if payment posted, it was n't ; told to call in XXXX hrs again, did, still not posted ; wrote letter to XXXX XXXX, Pres Of Macy 's Corp on XXXX, never got a response ; payment finally posted XXXX ; I received XXXX credit cards in the mail XXXX, XXXX XXXX cards ( same acct # ), XXXX Macy 's card ( different acct # ) ; called customer svc, was told I opened a new Macy 's acct, NOT TRUE, I never opened any new acct ; was on the phone over XXXX hrs, spoke to manager, I told him all I want is my Macy 's XXXX card that I could use in Macy 's & everywhere else ; after a long hold, he told me to cut up the Macy 's card, he activated my new XXXX card, all was straightened out ; couple of days later I tried to use my card in Macy 's, it was denied, I was told by the manager ( after XXXX hr wait to see why denied ) my acct was closed ; called customer svc was told nothing could be done, my acct was closed ( I DID NOT CLOSE MY ACCT ) ; called corp ofc, after XXXX calls was told because of the removal of my husband 's name, nothing could be done for 2 - 3wks ; I paid {$25.00} for a 10 % back on all purchases XXXX - XXXX ( receive that credit in XX/XX/XXXX ), already have numerous purchases, I 'll lose total amt earned ; there 's an incentive program I have {$130.00} accumulated in, I 'll lose ; if my original account is n't reinstated ; most likely it wo n't be reinstated after being closed for 3 - 4 wks. Please help!!!
|
| 02/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I have had several ongoing issues with Citibank mainly when it comes to the accuracy of my mobile and online banking inspector the mobile app where the app freezes or because of technical issues with Citibank. I'm not able to view my account accurate balances I have also as well noticed that last weekend I had an extraordinary. Horrible experience where my account was frozen over {$4.00} XXXX ride that they sent me an email alert that I did not confirm I guess in time. I was very frustrated because I got an email alert for it, but City allows me to use my car all day long towards the evening. I noticed My account was locked. I was able to use my card through most of Saturday with no problem. And once I start to notice that my mobile banking was acting funny I called in and they had locked my card from use. And when I went to speak with the fraud department, they were very rude barely spoke English with several Representatives when I ask to speak to a supervisor, they refused me several times. They were telling me the supervisors would tell me the same thing that they were going to tell me being very disrespectful variant agonizing. Furthermore I gave them all of my possible security answers and phrases and they kept telling me that it was invalid. What I later found out because I have to wait until I went to the bank is that I did indeed give him one of my correct answers. I would also like to add. That I did log into my online banking and reset my password. I updated my phone number and several times when I spoke to different supervisors. I was told that they couldn't verify my phone number on the phone with me that I would have to know what number was on file which is very conflicted because I had previously spoken to several agents who had verified mine. Each time I called in. Each person would have the same attitude as if they flagged my account. And we're just completely incompetent. What ticks me off was that once I got to the bank what I found out was that I have two different verifications. I have a verification for my account. And then I have a separate verification password for my mobile banking. None of the agents ever clarify what? Passphrase verify what account whether it was my main account or my mobile banking with has two different sets of questions. Regardless of the matter I still called in with the correct passphrase for my account. I verify this on Monday when I went into a branch. So the last two supervisors and ages I spoke with completely lied to me and I want to call reviewed when I told them the correct passphrase and they told me it was incorrect and that I would have to come into a Brandt unacceptable. I have no access to know how much money I had in my account even to present day. They still have technical issues with the app and online banking XXXX. A lot of times I have no idea what's in my account. Because I'm not able to view anything to access my account. So now the account is overdrawn. XXXX XXXX XXXX and continuous limited activity. I don't see how it's legal or fair for bank and sit here and charge me fees or anything else when they have purposely I feel limited to access to my account so that I have no idea what's in my account. And when I call in for help, I get people the argumentative that are sitting up here and acting fraudulent themselves when I'm getting them the correct password for my account and they're telling me it's not and I have to Go into a branch. And knowing that I'm giving them the correct verbal password and they're lying and telling me it's not I spent hours on the phone with these people that was last weekend even still I'm having ongoing issues. Please notice the screenshots of the error messages I get in regards to Citibank.
|
| 09/01/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
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|
Web |
|
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I received a Double Cash card from Citi in early XXXX XXXX and began using it. Somewhere between XXXX XXXX ( do n't remember the exact date ) my card was declined at a local grocery store. On XXXX XXXX I tried logging into my Citi account. I had not set one up yet, but the site said that I already had, I am assuming it means when I first applied for the card online. I do not remember what password I used ; rather than let me reset the password online, an error message told me to call a customer service number instead. I called that number, which turned out to be their 'early fraud ' number, but before I am able to reset my password to get into my account, they needed to verify who I am. I am able to provide everything they ask for ( security word, address, email address, SSN, phone # ), but they say they are unable to 'verify ' my phone number. This is the only phone I have ( cell ), and this phone # is literally the only phone # that has ever been registered to my name ( had it for 10 years now, through XXXX ). They said that they have a database that has phone numbers associated with their clients, and that they have a different number on file for me than the one I am giving them ( the one I am calling from ... my only number ). This card is the FIRST time I have ever done business with Citi, and this is the phone # I provided on the application, so I ca n't fathom why they would have another number on file for me. One agent even admitted that their information could be incorrect, but that the only way for me to get around it was to either call from that other magic number they have on file for me, or to fax copies of my driver 's license, social security card, and a utility bill to them.
They have me by the short ones here. I am compelled to send this personal information ( which I am uncomfortable sending over fax for identity protection reasons ) to them because at this point I have already used the card for a few weeks. I have charges on it that I need to be able to pay off, which means I need to be able to get into my online account, which means I 'll have to do what they say. Perhaps the worst part of all this is that I know that some of those charges are nearing the time when I will start to be charged interest on them ( of almost 20 % ), or they might already be there. So now for the entire duration that it takes them to resolve this using my faxed docs, I will be being charged interest of 20 %. I would like to think that wont't be very long, but given the nature of the phone calls I 've already had with them over this, I am not too hopeful that this will be resolved quickly. I have already spent a few hours dealing with their reps and being on hold over the course of 3 phone calls. I have spoken with 3 different reps, and asked to speak with a supervisor twice, both times the supervisor has been mysteriously 'not around right now ' or 'busy '. I 've been told that a supervisor will call me back right after they wrap up with another customer ( ironically they had no problem saying they would call me back on this same phone # ... the one they are convinced is not actually mine ), but that was 6 hours ago and I have not been called back.
From your drop-down issue selector I am marking this a 'Customer service / Customer relations ' issue, but it is also a 'Identity theft / Fraud / Embezzlement ' issue due to them having put the hold on my account in the first place. I also think that this will evolve into a 'Billing disputes ' / 'Billing Statement ' issue due to the fact that by the time this is actually resolved I will likely have interest to pay off that I otherwise would not have had if they were not so convinced that they know my personal phone number better than I do.
|
| 01/09/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
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On XX/XX/XXXX, I was at Macys-XXXX XXXX XXXX store making a small purchase. I was using my Macy 's credit card to pay and the sales associate asked if I wanted a Macy 's American Express card. The card I had was a Macy 's American Express Platinum card, but what I needed was a replacement card NOT a new account. I made it clear to him that I needed a replacement card and before I knew what happened a brand new account was opened. I immediately contacted Macy 's customer service to have this new account closed. Obviously, the sales associate was concerned more about scoring a new account opening and obtaining his bonus. Once in contact with customer service, the new account was closed and I was told the charge applied to the new account ( {$22.00} minus 20 % discount for newly opened accounts ) would be taken care of and that I would not have to pay. I really never thought much else about it. Fast forwarded to XX/XX/XXXX and on this particular day I received two envelopes from Macys. One for the account I had since XXXX ( this account was closed XX/XX/XXXX ) and the closed account from XX/XX/XXXX. The first envelope opened was for the closed account from XX/XX/XXXX and the amount due was something like {$36.00} ( including a late fee because I missed the XXXX statement ). I could not believe my eyes. I was told not to worry that I would not owe any money during that phone call to customer service in XX/XX/XXXX. I phoned customer service on XX/XX/XXXX and was made to feel like a liar, but I did manage to get the late fee waived. The arrogance of the customer service operator was stinging. She was not about to waive the remaining amount. She kept saying how sorry she was but I knew she could care less. I suggested she pull the phone conversation from XX/XX/XXXX since is was likely recorded and listen to the call to verify what I was saying was true. Of course this did not occur. Therefore, I made it very clear once she received the $ due that I would part ways from Macy 's which I did. XX/XX/XXXX rolls around and here arrives another credit card statement for the closed account from XX/XX/XXXX. This time seeking {$2.00} - a minimum finance charge fee. I have had many credit cards over the years and NEVER recall such a fee. Of course this is their way to sneak in a charge hoping consumers don't notice which allows them to sneak on a late fee for another statement the following month. I paid the {$2.00} on XX/XX/XXXX and I am hopeful this fiasco is all over. I doubt it because Citibank ( which operates Macy 's credit cards ) are nothing but fraudsters.
As for the account I had since XXXX, as of XXXX it was a Macy 's American Express Platinum card. Yes, I was one of their best customers. I spent at least {$5000.00} in XXXX alone, but being one of their best customers did not mean a thing in the end. This particular card was paid off XX/XX/XXXX and was closed XX/XX/XXXX. I closed it because of the fiasco and treatment received from Citibank and Macy 's customer service. It was definitely time to part ways especially since they did not care about my loyalty as a customer. Their fees and fraud charges are more important than customers that spend money. On XX/XX/XXXX, they applied a {$23.00} finance charge due by XX/XX/XXXX. Yes, that's right... I paid off the card - a zero balance - and they apply a {$23.00} finance charge. Again, this is something I have not noticed with any credit card in at least 26 years of opening my first credit card. The fee was waived, but this all needs to be looked into. These are some very questionable practices and as far as I am concerned something should be done. Macy 's lost me as a customer for good and others facing the same treatment should follow my lead.
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| 09/26/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
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- Account opening, closing, or management
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Web |
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I opened a secured credit card account at Citibank. I requested information on the steps to close the account and how my despot would be returned should a choose to do this. Instead of responding my account was closed. I still can not receive any information on when a check will be issues and they currently list account closed at my request. They are now claiming 5 weeks after waiting 3 weeks. This is fraud and a breech of the terms of our agreement. Furthermore they are refusing to pay interest and I feel they owe me late fees now.
Message From : XXXX Subject : Secured Credit Line Date : XXXX XXXX, 2016 XXXX XXXX So even though I only asked for info on how to close the account ... you have gone ahead and just done it with no info ... and then claim it is at my request because obviously you can not read. And even worse ... I still have no information about getting my deposit back ... either wire the money today or re-open the account. I will be filing a complaint with the FTC. Your correspondence system is a symbol of incompetence. What a joke. I demand a call an apology today XXXX with a full explanation of this travesty of customer service.
From : me***********************om Subject : Secured Credit Line Date : XXXX XXXX, 2016 XXXX XXXX Dear Customer, We regret your decision to cancel your account. However, we do understand that certain choices have to be made in order to maintain a positive financial portfolio.
We have closed your account at your request. If you would like to consider reopening your account, please contact Customer Service. Our Customer Service number is XXXX. If you are outside the XXXX, you may call us by dialing the operator from a land line telephone and requesting to place a collect call to the United States at XXXX. Our telecommunication number for our hearing impaired customers is XXXX.
We sincerely thank you for your past business and we hope to continue doing business with you in the future.
From : XXXX Subject : Secured Credit Line Date : XXXX XXXX, 2016 XXXX XXXX XXXX, Thanks for the response. I guess the question I have now asked multiple times is this ... HOW DO I CLOSE MY ACCOUNT THEN!!! If I am not valuable enough to consider for a regular line of credit instead of a secured line, why should I stay with Citibank? I have unsecured offers from other banks. How do I go about closing the account and getting my deposit back? If my payment history thus far doesnt give me any status with you as a card provider ... why should I stay. Basically I am paying a fee to borrow my own money still.
From : me***********************om Subject : Secured Credit Line Date : XXXX XXXX, 2016 XXXX XXXX Dear XXXX XXXX XXXX XXXX We appreciate the time you took to let us know that we did not meet your expectations. For this we sincerely apologize as your business is very important to us.
Unfortunately, since your account is a Secured Credit card, we are unable to process a credit line increase or raise the limit set on your account. The credit line for your account is based on the amount of money you provided for the Certificate of Deposit when the account was opened and therefore can not be changed.
Please know that we will continue to improve our service to you and we hope that you will continue to make Citi your choice for quality and value.
If we can be of further assistance, please let us know.
Sincerely XXXX XXXX Account Specialist Tennessee From : XXXX Subject : Secured Credit Line Date : XXXX XXXX, 2016 XXXX XXXX Your response is almost insulting ... Did anyone even bother to read my ask ... instead I get a robot response that doesnt answer my question?!? Please send me instructions on how to close my account. I wish to deal with a human not a ro
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| 05/15/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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On or about XXXX/XXXX/XXXX the borrowers, XXXX XXXX XXXX and XXXX XXXX XXXX received a call from a law firm in California offering to help them reduce the loan interest rate and monthly payments on the property located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. They paid, up front, {$2000.00} to get help as they were living paycheck to paycheck and a lower mortgage payment would have helped. The people at the law form advised the borrowers to stop making their mortgage payments to assist in the process. After 3 months the borrowers found they were, of course, in default on their loan and ad been scammed. They have been attempting since then to work out, initially, a loan modification and then, when that was denied, a short sale. They initially contacted me for assistance with the short sale on XXXX/XXXX/XXXX. I have been attempting to work with Citi Mortgage sine then to get a short sale approved.
The challenge we have been having is an apparently obstructive situation in Citi Mortgage. We have submitted complete packets of short sale documents on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Every time we have completed the provision of the required documents we do not receive any updates for the next XXXX weeks and then we are, once again, required to provide a " fresh '' set of bank statements, pay stubs and tax return information. The last, and most complete, set of documents submitted occurred on XXXX/XXXX/XXXX. When I followed up with a request for an update on those documents on XXXX/XXXX/XXXX after not having received any updates or confirmation of receipt of the documents submitted on XXXX I received an email from XXXX XXXX, the file negotiator, requiring more pay stub documents and then telling me that " the file has been returned to the homeowner support representative for homeowner retention consideration. The homeowners will not qualify for an opt-out ''. After months and months working on a short sale, and having submitted, on XXXX/XXXX/XXXX, the Decline from Retention Programs document, it is strangely odd that now, now, we receive the notification that the borrowers were not considered for a retention option according to XXXX XXXX, the File SPOC. BUT there was a loan modification application and denial in the past. The fact that the folks at Citi Mortgage have taken so long to process this file, and have thrown roadblock after roadblock in the homeowner 's way when all the homeowners have done is provide all of the required documents in a reasonable timeframe apparently does not get taken into consideration.
My complaint against Citi Mortgage has to do with the way that the people handling this file for Citi Mortgage have been working. By not apparently working on this file for prolonged periods of time allowing the expiration of the borrowers pay stubs, bank statements and other documents to occur, and then requiring a " fresh '' set of those documents to be sent in over and over is evidence of a possible violation in both federal and State of Oregon statute. I believe that Citi Mortgage is in violation of the State of Oregon Unlawful Trade Practices Act by not dealing in good faith with these borrowers. There is another serious concern I have. The way this file is being handled is in an antagonistic, challenging and obstructive manner that indicates a motive possibly other than honestly evaluating the borrowers for a legitimate foreclosure prevention option.
These good folks have been victimized by others in the past and it feels like they are being victimized by Citi Mortgage now. Please review the attached documents, investigate the way Citi Mortgage is handling this file and respond accordingly. Thank you.
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| 08/07/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I was out of XXXX, FL on XXXX XXXX XX/XX/2023. On XX/XX/2023, around XXXX I received a notification alert on my cell phone that said that a {$240.00} charge was made from my account at a XXXX XXXX at XXXX. I immediately logged into my bank account to verify the truth behind it and it was true. I immediately contacted my bank from the car due to the fact that I was on my way back to XXXX, FL from XXXX FL. I advised the representative that there was a fraud on my account and that I knew it was not me because I was not even in XXXX at the time of the use. I had my debit card on me and always do and my bank transaction will reflect that I had just used the card earlier in the day in XXXX FL. On XX/XX/2023, I contacted the bank again to follow up on the status of the fraud and was advised that nothing new had been done and at that time it would take up to 10 business days for a credit to be issued to my account for these funds. Needless to say, I was upset because here I was the victim in this situation and my own banking institution is treating me like I am a criminal. I called back again on Tuesday and was advised that there still was no update to the fraud and at that point, I contacted my local police department ( JSO ) to file a police report in hopes that it would speed up the process of returning these funds to my account. The police officer came to my home to gather a statement from me and I was advised at that time that the card had been used relatively close to my home which leads me to assume that this person got my information prior to me even leaving for XXXX on XX/XX/2023. The police officer went to XXXX and reviewed the camera footage of the incident in question and came back to my home to show me the picture of the woman using a card at a self check out register. I still had the physical card in my possession and I was advised that criminals are using skimmers to obtain bank information to clone debit cards and make them accessible for them to use. The officer said the woman parked in the further parking area of the parking lot and was unable to obtain the tag information for the woman who made the purchase. I contacted CitiBank immediately and provided them with the case number that the officer provided me and then I let it rest for the week in hopes that today, Monday, XX/XX/2023, there would be a resolution. I contacted the bank today since I did not see the funds back in my account and was advised that my case had been closed and denied due to the debit card being in my possession at the time of the fraud. This is completely ridiculous when I have a police report of the fact that it was another woman who used a cloned card to make this fraudulent purchase. I have now had to dispute this case again today with an updated case number and now will have to wait up to 10 additional business days in hopes that these funds are returned to me. If these funds are not returned to my bank account, I have already obtained legal counsel and will move forward with litigation to rectify this situation. It is ridiculous that there is camera footage and a police report that states this was in fact not myself who made this purchase and proof that I was not even in XXXX Fl and the card was used in XXXX FL just earlier that day which is over 3 hours away from XXXX FL. I am completely distraught with how the bank is handling the situation and I will never recommend this bank to anybody. These funds need to be refunded back to me and legal repercussions should take place for the woman who fraudulently cloned my card and used it. If my funds are not returned to my bank account by XX/XX/2023, I will move further with the legal counsel I was forced to obtain today to rectify this situation.
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| 11/09/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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PART 1 - This complaint is regarding closure of 3 accounts due to what I am being told is a violation of the terms of the account involving the appearance of fraud. I got a letter from Citi regarding the closures. I made 30 or 40 attempts to call. Most of the people i talked to said they couldnt tell me anything ; one employee was able to help me figure out that the issues involved a {$15000.00} transaction made in late XXXX and early XX/XX/XXXX. I made many requests for someone at Citi to call me but I never received any calls. I have been an account holder with Citi since XXXX, for 35 years. I did not commit fraud. What occurred was as follows. I wanted to transfer {$15000.00} to my husbands account at XXXX XXXX XXXX. On XX/XX/XXXX, she transferred {$16000.00} from her Amex savings account to her Citi account ending in XXXX ( {$15000.00} to give to her husband, {$1000.00} I kept for unrelated purposes ). I had planned to use XXXX in her Citi account to send money to my husband and discovered that she could not send that high amount by XXXX. So I transferred {$15000.00} to my husband using XXXX. The account ending in XXXX is the account I use for XXXX. When using XXXX, the transaction came back reading as if the transaction had been a {$15000.00} payment to a vendor. I did not feel comfortable with this transaction being categorized as a payment from a customer to a merchant, so I cancelled the transaction. I called Citi to explain. I was told I would receive a {$15000.00} provisional credit. This was what Citi advised me should happen. It wasnt at my request ; I was only trying to inform Citi and make sure I was doing everything right. I also was credited {$15000.00} by XXXX. This led to an over-credit of {$15000.00} in my account. I informed Citi to take the provisional credit of {$15000.00} back and I was told that would be done and this issue closed. I then wrote my husband a personal check for {$15000.00} ( check XXXX ). As an additional problem beyond the account closures, I was told I would not get the balances belonging to me returned. In a similar pattern to my phone calls regarding the closure, I was not able to get any information that makes much sense and my requests for a call from someone who can help go unanswered. I t was told at one point I will not get my money back because it doesnt appear to belong to me. At another point I was told it was sent back where it came from. Other than a {$600.00} payroll deposit on XX/XX/XXXX, the rest of the funds in her accounts should not fit the category of being returned. I am also due {$200.00} from XXXX, {$25.00} from XXXX and {$250.00} from XXXX. Plus, the {$600.00} payroll deposit that she informs me has not been sent back. As stated, I have been an account holder since XXXX. I did not commit any kind of intentional fraud or rule infraction. It appears that this is a case where Citis algorithms led to an inaccurate result. I ask for an explanation of the specific activity that led to the decision and the specific account terms alleged to be violated. Further, I was told I was sent a letter XX/XX/XXXX. I did not receive it, nor did I receive the copy I was told would be sent.
PART 2 - Three refund checks in the amount of {$25.00}, {$600.00}, and {$200.00} were mailed to me in a XXXX envelope with no explanation by XX/XX/XXXX. I received an email on XX/XX/XXXX with an explanation and a copy of the Client Manual. I had a balance of {$250.00} in checking account ending in XXXX on XX/XX/XXXX. Also on XX/XX/XXXX, a deposit from XXXX for {$600.00} and a withdrawal of {$250.00}. What happened to my {$250.00}? The account was closed around XX/XX/XXXX and I had no access to this account. Refund the remaining amount of {$250.00}.
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| 11/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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ImI am writing to express my deep concern and frustration regarding a fraudulent activity that occurred on my XXXX credit card on XX/XX/2023, during my visit to XXXX, XXXX. Despite my best efforts in reporting this incident promptly, I am disheartened to note that the matter remains unresolved for nearly three months.
On the day in question, I was in XXXX, XXXX, for work. I had taken a taxi from my hotel to the airport as I was preparing to depart. When it came time to pay the taxi fare, I presented my XXXX credit card to the taxi driver. However, the driver informed me that the card did not work on their terminal. Consequently, I had no choice but to pay the fare in cash, which amounted to {$650.00} XXXX pesos. At that moment, I had approximately {$24.00} in cash with me, and I settled the fare promptly. After paying the taxi driver, I proceeded directly to the airport security checkpoint in order to catch my flight.
To my shock and dismay, a mere five minutes later, I received an email notification from XXXX informing me of a transaction totaling {$1700.00} with a merchant that I did not recognize or authorize. Immediately recognizing the severity of the situation, I contacted XXXX 's customer service and reported the fraudulent transaction. I followed the prescribed protocol and diligently provided all necessary information and documentation to support my claim.
In the days that followed, I maintained regular communication with the bank, providing any additional information or documentation as requested. However, despite my cooperation and adherence to the established procedures, it is deeply disheartening that this matter has not been resolved as it should have been. I find it both unacceptable and distressing that I continue to grapple with this situation, especially given the clear evidence that I had already paid the taxi driver in cash and I can not believe the absurd of this case.
I implore you to treat this matter with the urgency and seriousness it deserves. The delay in resolving this issue has left me feeling not only unfairly treated but also unsafe, as I had acted promptly upon noticing the unauthorized transaction through my mobile app Notification Center.
I am willing to cooperate fully and provide any additional information or documentation necessary to expedite the resolution of this matter. Please understand the gravity of this situation and the impact it has had on my financial security and peace of mind. I urge you to take immediate action to investigate this incident thoroughly and rectify the fraudulent charges on my account.
I have attached all relevant documentation once again to this letter for your reference. I kindly request that you prioritize this case and provide me with a prompt and satisfactory resolution. Additionally, I would appreciate regular updates on the progress of the investigation.
I want to emphasize that I have no additional proof to provide beyond what has already been submitted. Since I paid the taxi fare in cash, there is no digital transaction traXXXX to follow. I had no choice but to use the cash I had on hand at the time. Additionally, I requested a digital receipt at the time of payment, but upon closer examination, it appears that the receipt provided was from a different individual, further corroborating the fraudulent nature of the transaction.
I trusted in XXXX 's commitment to customer satisfaction and its dedication to addressing issues such as these promptly and effectively. I hope that, with your assistance, we can swiftly resolve this matter.
Thank you for your attention to this pressing issue. I eagerly await your response and a swift resolution to this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX.
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| 09/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I initiated a dispute with my Citi Mastercard branded credit card on XX/XX/2020 in the amount of {$1000.00}. The dispute involves a merchant ( XXXX XXXX ) who canceled flights and failed to issue a refund. The specific type of dispute I initiated is classified by Mastercard as type XXXX ( Goods or Services Not Provided ). The following information is from XXXX ( XXXX XXXX XXXX XXXX XXXX ) : " Reason code 4855 chargebacks must be processed within 120 calendar days from the settlement date. Or it must be processed in the latest anticipated date that the goods or services were to be provided. '' There are certain circumstances that permit adjustments to the 120 day timeline, however, none of those situations apply to this case where the merchant failed to provide the service that was purchased. You can also reference the official Mastercard chargeback guide available here : XXXX XXXX XXXX.pdf Since 172 days have passed since I initiated this dispute, Citibank is no longer in compliance with the Mastercard guidelines that they are required to follow for this type of dispute. Citibank has, over the course of numerous phone calls initiated by me to follow-up on my dispute case, continually kept saying they needed more time. I was told in XXXX and XXXX by more than one representative on separate calls that Citicards would resolve my dispute within 90 days ( of a date in XXXX when final information was re-submitted on XX/XX/XXXX ). It has now been over 90 days since that time.
Overall, Citibank has simply mishandled this dispute. In XXXX, I was even instructed ( and followed the instructions ) to re-submit information to Citibank 's dispute center using the email address billingdisputes@citi.com. The reason I was instructed to re-submit information is apparently because the " investigation team '' did not correctly understand the documents that had already been sent, even though the dispute representative on the phone had no problem understanding the same documents. Documents submitted by me are emails from the merchant stating that they canceled the flights in my reservation and that they promised a refund to the original form of payment ( my Citibank credit card ). I also included language from the US Department of Transportation ( DOT ) that requires all airlines who cancel any portion of a customer 's itinerary to refund the customer in full for the entire trip. I opened a case with the DOT and received an email from XXXX stating that the airline was required to respond to my complaint, however, I have never received a response.
Following today 's call when I told Citibank that their 90 days I had been promised to resolve the dispute were over, the initial representative informed me that it would take another 20 days. When I pressed on, I was transferred to a dispute supervisor ( XXXX ) who said she would submit a " referral '' back to the investigation team who should potentially resolve the dispute in another 7-10 business days. I followed up that phone call with a Citibank customer service representative to lodge a complaint, however, Citibank does not provide any kind of case number for this.
Having made 5 to 10 separate phone calls, many of which resulted in speaking with both an initial dispute representative and then a supervisor, Citibank has failed to resolve my dispute according to the guidelines required by Mastercard and also failed to deliver on their own timelines and promises to resolve the dispute and have representatives follow-up with me. I have never received a single follow-up call or email from Citibank other than a form email generated by a computer with a subject line that reads " Thanks for the dispute details '' following my calls to that department.
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| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I mailed a dispute to XXXX on XX/XX/2022 via certified mail tracking number XXXX. XXXX received the item on XX/XX/2022. A copy of the certified mail receipt is attached.
My dispute was about a Department Stores National Bank ( DSNB ) now XXXX/Citibank NA reporting an account where DSNB/XXXX/Citibank NA tried to sue me in court over the account however, the case was voluntarily dismissed by DSNB/XXXX/Citibank NA. I have provided XXXX with a copy of the lawsuit complaint and a copy of the dismissal ( the case was dismissed by DSNB/XXXXXXXXCitibank NA 's attorney which I will attach a copy of the complaint and dismissal to this complaint.
On XX/XX/2022, I received a letter from XXXX dated XX/XX/2022 written in XXXX ( I don't speak XXXX and my language is English ) informing me of the results of the dispute investigation and from what I can make out and translate it seems as if XXXX is claiming that the information has been verified as accurate therefore XXXX will not delete the account from my credit report.
All future communications should be in English only.
The account reflected on my credit report also fails to state, lack, or is missing the statement or notation that the information is disputed by the consumer which may be a violation of the FCRA.
I don't believe that XXXX is properly investigating my dispute and is just allowing the creditor to claim that the information is verified as correct and leaving the account on my credit report. How can an investigation take only nine days? Additionally, I don't believe that DSNBXXXX/Citibank has no intentions of collecting this alleged debt because any renewing or refiling of any lawsuit against me regarding the same claim and account would be subject to O.C.G.A. 9-2-61 and O.C.G.A. 9-11-41.
Additionally, discovery request were filed in the lawsuit filed against me that has now been dismissed and DSNB/XXXX/Citibank NA nor their attorney never responded to. Pursuant to Georgia law O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ), the party upon whom the discovery has been served shall serve a copy of the answers, and objections if any, within thirty ( 30 ) days after the service of the discovery request, except that a defendant may serve answers or objections within 45 days after service of the summons and complaint upon that defendant. The court may allow a shorter or longer time at the courts discretion. The party submitting the interrogatories may move for an order under subsection ( a ) of Code Section 9-11-37 with respect to any objection to or other failure to answer any discovery motion/request.
In regard to the request for admissions, pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) the matter is admitted unless, within 30 days after service of the request or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission a written answer or objection addressed to the matter, signed by the party or by his attorney. Any matter admitted under this Code section is conclusively established unless the court, on motion, permits withdrawal or amendment of the admission O.C.G.A. 9-11-36 ( b ).
DSNB/XXXX/Citibank NA is refusing to remove this account from my credit report in retaliation of a lawsuit that they filed against me that their attorney dismissed and is only continuing to report this account on my credit report for the purposes of and with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit and or to have to pay a higher interest rate or receive a lower credit limit if extended a line of credit.
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| 05/08/2015 |
Yes |
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Web |
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I applied for a Citi XXXX XXXX on XXXX XXXX. After the credit application process was done, I was denied the credit. That was fine. I received the denial letter with the information concerning the application. As I read the letter it stated that they used Experian as the CRA to help them determine the application. Then it told me that if I sent an UPDATED copy of my credit report within 30 days, that they would re-evaluate `this` application. I was already in the process of getting some things corrected on my credit reports. Once I received the corrected reports I then sent them that updated copy as they noted to do so in the letter to their XXXX XXXX address. I sent it certified 2 day priority mail on XXXX XXXX. Upon reviewing my credit report today XXXX XXXX, 2015, I noticed a new hard inquiry on my credit report from XXXX. I could n't understand why that was because I had not applied for anything with them since XXXX XXXX 2015. So I called them to question this issue. They claimed I requested a new application because I sent them an updated copy of my credit report. That is FALSE. I did NOT authorize a new application nor a new hard pull from my Experian credit report. Their response was that a re-evaluation of a credit app requires a new hard pull for which they did not notify me or request my permission to do so. Further more why on earth would you ask me to send you my most recent updated credit report, which I did, if you were going to do a hard pull anyway and not use it. That makes no since. Also if I only had 30 days to re-evaluate, and if I missed that deadline, and today being XXXX XXXX, then it should not have been done to begin with. I did not agree to a new application. This is a very deceitful practice and very dishonest. Below at the bottom is an excerpt of the denial letter sent to me showing that they only required an UPDATED hard copy be mailed to them. Nothing mentioned that they will unnecessarily rerun my credit or that it is a part of the process. The credit lady I spoke to XXXX ( And I do have the employee ID if needed ), was unwilling to help me with this because this was clearly unauthorized. The letter I provided with the credit report shows that I was also under the assumption the purpose of the report I sent was for the purpose of re-evaluation. I do not want and will not have that unauthorized inquiry dated XXXX XXXX 2015 on my XXXX report.
________________________________________________________________________________Important information for youOur credit decision was based, in whole or in part, on information obtained in a report from the following consumer reporting agency : XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we denied your request.
You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. We encourage you to review your credit report for accuracy.
You also have a right to a free copy of your credit report from the consumer reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have a right to dispute the matter with the reporting agency listed above.
If your credit report contained incorrect information, please send us a complete copy of your updated credit report within 30 days to the following address so we can re-evaluate your application : Citibank , N.A .
XXXX XXXX XXXX XXXX, XXXX XXXX sure to include your name, address, and the Application ID XXXXXXXXXXX
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| 03/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am writing to you to dispute this charge. On XX/XX/XXXX, I went on a website called XXXX and purchase a supposed XXXX jersey for my husband. I checked out the website and they had a XXXX XXXX, California address so I felt comfortable making this purchase. Immediately after I made the purchase, I received an email confirmation from XXXX for a purchase from XXXX XXXX XXXX XXXX. Right then, my alarm bells went off? Who is this person? I purchased a jersey from XXXX XXXX. I began XXXX the companys website and multiple sites came up saying that this was a scam. Embarrassed, I prayed I was wrong and the item be real and arrive.
A few days later, I received an email with a tracking link and I began tracking it. The shipment was stalled for weeks. On XX/XX/XXXX, I wrote the company and requested an update. They responded with a tracking link from yet another company name, XXXX XXXX. I was puzzled as to what was happening. I XXXX XXXX XXXX only to find they had taken down the website. I began to panic.
On XX/XX/XXXX, I noticed the package had arrived in New York. I again emailed the company and was told it would reach me soon. When the item did arrive on XX/XX/XXXX, I opened it and began to cry. It was 100 % counterfeit. ( please see attached photo ). The yellow lining was multiple different colors, the XXXX logo on the collar was fake and it looked as fake as possible. I immediately emailed the company and notified them that the item looks fake and requested a refund. I have never heard back.
Immediately, I filed a dispute with Citi Bank. I have attached my email logs, XXXX receipt, my initial email confirmation from XXXX XXXX and a photo of the jersey. If you look for the companys website XXXX XXXX, it does not exist. This company is a fraud and they scammed me. Please do not let a confirmation receipt on their part suffice as evidence as they have used multiple email accounts, the website no longer exists, many people online have complained about being scammed and they produced a counterfeit item which is illegal. Finally, these people ripped off people during the holidays. I am a hard working mom who was buying a XXXX present for my husband. It is sad and upsetting.
In XXXX, I filed a complaint with Citibank. I was asked to submit documentation to demonstrate that the jersey was counterfeit and the company was a fraud, which I did.
I received a letter from Citibank dismissing my dispute. I called and complained. On XX/XX/XXXX, a Citibank representative told me he spoke with his supervisor and would credit my account {$40.00} to make up for the fraud charge. As upset as I was not to receive the entire amount, I accepted. I was told I would receive the credit within 72 hours. After 72 hours had passed, I checked my account and saw I was not credited the funds. I contact Citibank via online chat ( photo attached ) and was told " not to worry '' the Monday would be there shortly. Again, I never received the credit. I again contact Citibank via online chat and was again told they would inform their superiors via email of the pending credit and should receive it. Again, I never did. After waiting twice for two hour hold time and then being disconnected due to long wait time, I finally poke with someone who told me they would file a fraud charge on the card and it would be escalated for review. At that time, the representative changed my card number.I received a letter rejecting the dispute claim before I have even received my new card. It is like no one is actually reviewing my documentation of the fraud! To date, I am let angry and frustrated with the handling of this fraud by Citibank. I have not had my dispute taken seriously or receive the {$40.00} credit as promised.
|
| 09/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a Citi account on XX/XX/2022. Since that time I've been able to login into my account, make deposits and withdrawals without any problems. However, on XXXX XXXX, I attempted to login into the Citi mobile app, and received a notification that my access was blocked. I was attempting to login to the mobile app to try to a deposit a check that I received from the Department of the Treasury, the check was for Rental Assistance which I was approved for and they mailed the check directly to me and I received the check on XX/XX/2022. Once I received the check and deposit I'm suppose to give the landlord a certified check of the full amount of {$19000.00} and provide proof/confirmation that the fund were appropriately used for rent owed. I called on XXXX XXXX and told them my account was restricted, they asked me for my phone number to send a verification code to verify me, when I gave them the number that was on my profile with the bank, they said they can't verify me using that number. I informed that this is the only mobile number I have. They told me they exhausted all options and then hung up on me. The morning of XX/XX/XXXX, I called again, they were able to verify me with a security question and they told me the block was lifted. I went to the bank on XX/XX/XXXX, and the deposit the check, they told me it would be available on XX/XX/XXXX. On XX/XX/XXXX, I went to the bank do process the certified check to give to landlord and was told that the account as blocked again. The called the fraud department for me at the branch, and I was told to 24-48 hours for them to verify me. Once again, they tried the mobile that's on the account and I was told they couldn't use that number. I spoke to XXXX XXXXXXXX, they said I should be receiving a letter 3-5 business with a reference number and once I receive the letter call, and give them the reference number to verify the the account. On XXXX XXXX I received the letter, the directions on the letter said they're sending me this letter to confirm a recent activity on my account and they can only do so by speaking with me directly. They said they have placed my account in a restricted to call the XXXX XXXX with the reference number that's in the letter. I spoke to several of agents, they told me that reference number is not working. I explained to them that's the number that's on the letter. They told me to wait 24-48 hrs or go to the branch to verify me. I went to the branch, they were able to verify me but the fraud prevention said they couldn't lift off the restrictions. I explained to them the check that was on the account was a government check for rental assistance and I need to give the funds to the landlord and submit proof that I've given the funds to landlord right away. They told me to wait another 24-48 hours. On XXXX XXXX, I went to the Citi bank branch, the bank manager spoke to them, told them she verified all my information but then they told me they are in the process of closing the account and any fund that's on the account will be mailed to me within 30-60 days. I told them I'm suppose to give the check to landlord right away because I get in trouble with IRS and face possible fraud charges if I don't submit proof that the landlord received the fund immediately. I told them that I was at the branch, if they want to close the account I should be able to withdraw the funds or they can overnight the check back to me. They told me I have to wait 30-60 days to get the funds. I told them I will be facing eviction or possible jail time if I wait that long but they didn't show me any compassion. I spoke to about 10 agents and they all told me something different and now finally without any warning they closed the account.
|
| 07/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
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XXXX CA XXXX started taking funds from my Citi Bank checking account unauthorized onXX/XX/XXXXuntil I made a complaint to my bank on XX/XX/XXXXadvising the transactions were fraudulent. Those charges are as follows: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
totaling XXXX The only warning I got on fraudulent activity was onXX/XX/XXXXafter the larger charge of XXXX which prompted me to discover that Citti Bank had allowed fraud the whole month from XXXX on my account.
I called the fraud department and advised them of every charge and every amount as well as the day it occurred.
Citi bank started a dispute for the XXXX charges on XX/XX/XXXXon my request .I received letters dated XX/XX/XXXX that Citi Bank was disputing the charges and that funds would be placed back in my account.
Citi Bank started putting funds back in my account as follows:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling: XXXX
this amount returned to me by Citi bank is XXXX off from the XXXX that was actually taken by XXXX Then XXXX started returning funds to my account due to the dispute from Citi Bank starting; XXXX returned the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totalingXXXX
The amount that XXXX put back in my account is only XXXX over what they originally took in fraudulent funds. I am satisfied with what XXXX returned to the account.
Then Cit Bank seeing that XXXX had returned my funds as requested started deducting from my account the funds they had placed originally in my account to cover the lost funds from fraud however they originally only refunded me XXXX;
The amounts Citi Bank took are as follows: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
four of these transactions reflect four similar transactions they had returned to my account on the same day as the refund for the fraud the extra XXXX is a mystery to me
. Then Citi bank started withdrawing again as follows: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling: XXXX
Citi Bank on XXXX XXXX took out five transactions refunding themselves XXXX then on XXXX XXXX XXXX XXXX XXXX they took out 16 transactions to refund themselves totaling XXXX equally between the XXXX transactions and the XXXX transactions XXXX that Citi Bank refunded themselves for the original fraud refund: however as stated above Citi bank only refund XXXX Citi Bank has over refunded themselves XXXX causing my checking account to be overdrawn. By my calculation, I should be positive in my account by XXXX
I called Citi Bank today, XXXX XXXX XXXX, to discuss this issue and to have them correct the problem; the first representative I could not understand but he continued repeating that due to XXXX refunding me; Citi bank was entitled to reimburse their original refund for the fraud. I advised him the numbers were not correct and he continued to repeat the same thing over and over.
I asked to speak to a supervisor and after getting the supervisor I tried to explain again that the account should not be overdrawn and that Citi Bank took too much money from my account. The supervisor was of no help and wanted to go through each transaction one at a time excluding the banks' actions in XXXX; he refused to look at the whole picture.
|
| 07/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Back in XXXX of this year I ordered a couple of bottles of vitamin supplements from a company called XXXX, tel. no.
XXXX, using my Citi XXXX XXXX XXXX XXXX MasterCard tel.no.
XXXX This was a special offer to receive the supplements as a free trial, I only had to pay the shipping and handling of {$10.00}.
Within a couple of hours I received a call from the representative of XXXX encouraging me to extend my purchase to some kind of club, " don't worry you can cancel at any time '' he told me. I interrupted his spiel, thinking that this was all probably some kind of scam, and told him, " Listen to me, I can see where this is going, this is some kind of scam ... I want you to cancel the entire order NOW, the free trial and any additional orders. '' And that's the way the call ended.
About a week later I received the free pills that I had cancelled anyway, and I was charged for the shipping and handling only on my credit card, but I also received an email that the account was cancelled so I didn't think I needed to worry about any future charges.
But about a week after that ( I'm sorry I don't have the exact dates ) I got a credit alert call about my Citi Card, asking me if I had made a recent charge for {$180.00}. I said absolutely not, I made no such charge on my card. The Citi Card representative said, " Don't worry, we will take care of it, we will cancel your card and issue you a new card and those charges will not be on your new card. '' I asked them who the charge came from and they replied, " Some internet company .... but don't worry about it, we will take care of it. '' I expressed my appreciation for their diligence in protecting me from fraud.
They did close the old account and issued a new card. The {$180.00} did not appear on the new card but the {$10.00} shipping and handling charge carried over and I paid this bill. I thought that would be the end of it!
But about a month later, on XX/XX/XXXX I believe, I got another alert from Citi Card that {$180.00} had been charged to my NEW card! I asked them what was going on, and they referred me to their investigative department. When I explained how this charge that had already been dismissed had reappeared on my new card the representative said that they were sorry but I had been ''taken in '' by the ad for the free supplements, that IF I had read in detail the long, arcane " terms and conditions '' fine print of the free trial when I had ordered, ( which he said, and I quote, " NO ONE EVER DOES '' ), I would have seen that the pills really weren't free, and because I had checked the " read terms and conditions box '', I had essentially played into that companies scam. He said, and I quote again, " IT HAPPENS ALL THE TIME ''. I explained to him how I had cancelled the order within hours of making it and that I had never authorized or received any additional product from the company. He said, sorry, because I checked the terms and conditions box there was nothing he could do about it.
So what this tells me is that Citi card continues to do business and accept charges from a company that they KNOW are scamming their customers. As the investigator said " IT HAPPENS ALL THE TIME ''. They could easily stop allowing their card to be used by that company.
Instead they ENABLE, COLLUDE WITH, and even worse PROFIT (! ) from the scamming of their card holders. As far as I am concerned that makes Citi XXXX XXXX XXXX XXXX MasterCard part and party to the scam!
I cancelled my card and told them that I was never going to pay this bill, because they were part of the scam by continuing to accept charges from a company that they know very well is scamming their customers : " IT HAPPENS ALL THE TIME '' as the investigator said.
|
| 07/24/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Fraudulent charges were made on my Home depot Credit Card due to the fact that Home Depot sent out activated credit cards, unknown to me, that apparently someone retrieved, due to the fact that I never received them.
These transactions took place between XX/XX/2023 and XX/XX/2023 at a variety of Home Depot Stores. The amounts were : {$720.00}, {$640.00}, XXXX, {$2700.00}, and {$10.00}.
I immediately called and reported the fraudulent charges, not once, but twice, to the customer service number on the back of the card, as soon as I discovered them. I identified each charge that was not authorized by me. I was told that an investigation would follow.
I provided all the information I had at the time. I identified which charges were fraudulent and also identified that the card number used was not the card I have in my possession. I was told that Home Depot chose to send out additional cards with different account numbers that were tied to my account without my solicitation or knowledge. As I mentioned above, I was never contacted to provide anything additional. I provided all information that was requested of me at that time.
In addition to the above findings which are not supported by facts, there are other things to consider.
These additional cards were not solicited by me. I had no knowledge of their existence. They have numbers that are not the account number that I regularly use. They are not the card I use and have used for years, the only card. From my conversations with 2 customer service representatives, Home Depot arbitrarily decided to expose me to fraud by sending out active credit cards that anyone could obtain and use without my knowledge. Even the card number you referenced in you letter is not one that recognize or have ever used or possessed. The single card I have, and the only card I have ever used, and is in my possession ends with... XXXX.
I have also discovered that Home Depot, without my knowledge, authorized 3 additional cards unknown to me, and never received by me. These are ... ( last 4 digits ) XXXX, XXXX, and XXXX.
Home Depot Credit, as an investigative body, are privy to more information than I can provide. I assume you have access to the receipts in question, which I have also obtained, that show the location, date, and specific time the purchases were made. I also assume, since Home Depot requires a signature, that you have copies of those, and should be able to compare. I would also think that Home Depot has video of the cashier locations, that you have access to, that could identify the culprits. Have you utilized these things that are at your disposal?
Home Depot also has information as to my purchase history, purchase locations, and types of purchases. Certainly it should be easy to see that the multiple locations, types of purchases, and card used is not consistent with my purchasing pattern, and the needs of a XXXX year old man. These purchased were made at a series of different locations not relative to my resident address or where I typically do business.
I would think you would also find it suspicious that I purchased this multitude of items not only at several different locations, but did it all in a 5 day period. This seems very consistent with fraud.
I also filed a police report on XX/XX/2023 with the XXXX XXXX XXXX XXXX. Case # XXXX. I provided them with copies of the receipts for the fraudulent charges which showed location and time of purchase. As of this date the claim is still open.
Once again, it should be obvious these are fraudulent charges. The fact that Home Depot issued multiple cards in my name, each with a different number, unknown to me, is in itself irresponsible and invites this type of activity.
|
| 09/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XX/XX/2017 I have never received a paper statement from this company!! Usually did all my payments, checking account activity, etc. online.
I called Citibank ( XXXX XXXX XXXX card ) to start the process of reporting that I had lost my wallet the previous day XX/XX/17, which included the aforementioned credit card. They informed me that I would receive the new card in 3-6 days. I also wanted to catch the account up as it was delinquent for 3-4 months where I was only able to make a small payment in the amount of $ XXXX/month. I made a payment on the account that was behind and asked several times what I needed to do to catch the account up and make it current. The person I spoke with informed me that the amount needed to catch the account up and make it current was {$530.00} which i then paid using my debit card. I then went onto the internet website that I used to get current account information and saw that there was another {$50.00} that was due by XX/XX/2017. I asked and expected an honest answer about the amount that I had just paid to catch the account up and make it current. I am and have been unemployed for six months now and gave them every last cent that I had to catch the account up according to a customer service rep I had talked to on the date of my {$530.00} payment. This is an action to get more money out of me, and its deceitful and fraudulent.
XX/XX/XXXX I tried to log onto the website I used to get account information and make payments in the past and was n't able to log on. I then uploaded the Citibank App. and tried to log in their to no success. I then I called the call center for Citibank Credit cards and talked to another customer service representative to make the {$50.00} payment and not incur the wrath of Citibank and its late fees and raised interest rates. I was informed that the account had been closed several months earlier and that I was no longer allowed access to any of the Citibank Websites and that he could n't take my payment because of some confusion on their end. He informed me to call back in 4-5 business days and try again then. This would then make the current payment of {$50.00} due by XX/XX/2017 late, through no fault of my own. I asked about the late fee and was told that I would incur one if the payment was n't retrieved by the due date. but according to them I would n't be able to make that payment until after the due date??? Im so confused.
Ih ave never been told that I could not make a payment several days before a specified due date to any company and especially when the time frame they gave as to when I could make a payment was after a due date. This again sounds very predatory and fraudulent and I ask for some kind of relief from this company which is trying to milk me for dollars that I do n't have at the moment.
Im trying hard to repay a debt that I have incurred and take full responsibility for the account being delinquent. I have been assesed massive amounts of late fees and an increased and incredibly large interest rate which makes this account harder to pay off.
I also thought that I had credit protection on this account which would have helped in the matter of my becoming unemployed, but was told that I did n't.
Just want some help in trying to deal with a large company that is more interested in $ $ $ $ than the humans they take advantage of!!!!
This company also asked for and used my social security number to identify my account which is against the law if I 'm correct. Please do n't let companied dealing with or through foreign countries to be able to use my social security number as identification! Especially when Im asked to give it to people who live in XXXX, over a non-secure telephone connection!
|
| 10/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
continuation to Case number : XXXX : XXXX answer - with my dispute : Their Answer : Please note that the last payment towards the Citibank account was on XXXX XXXX, 2008 for {$94.00}. XXXX 's business records indicate that the suit that was filed against you for the Citibank account XX/XX/XXXX, within the applicable statute of limitations period. No judgment was ever obtained in this suit, and the suit was subsequently dismissed. The above-mentioned account was closed as the Statute of Limitation had expired and there is no longer a balance due and owing.
My response to dispute this noThe suit was dismissed per the Judge - to state I made a payment for {$94.00} on XX/XX/XXXX is another misrepresentation:1. ) - The judge teleconferenced the paralegal with XXXX XXXX and had asked for documentation showing I made this payment ( which would have the only thing that would have restarted the Statute Of Limitations on this account ) and she said they do not have anything - no statement - no bank that it was paid from.
2. ) Then the question arose if the minimum payment due was {$200.00}??? why would I make such an odd payment of {$94.00}? of course as I said under oath - I did n't make a payment.
3. ) I also had submitted to court bank statements of accounts for that time period and there were NO debits to XXXX XXXX ever made.
4, ) The Statement I have attached shows the statement dated XX/XX/XXXX was for XX/XX/XXXX and it shows no payments made that month.
5. ) The other attachment only shows that I had a balance at that time.
6. ) The XXXX attachments were the only items the Plaintiff provided in this case - along with the sale from CITI.
7. ) It was dismissed twice - once from the Court Commisioner and once from the Judge as there was no burden of proof whatsoever that {$94.00} was paid so start over the SOL.
8. ) XXXX XXXX has been on trial for numerous misrepresentations to mislead and falsify information to the consumer and in laymens terms - The tried every which way in the 4 times they took me to court.
9. ) The judges final question to me before his decision was " Why do I think I should prevail in this case? '' and I stated " Because the law is the law and they are breaking it right here in court.
10. ) This was clearly a time-barred account that information was misrepresented in order to collect time-barred debt.
11. ) Lastly - their Attorney from XXXX XXXX : Approached and followed me to the entrance the first 3 times in court stating that " All you need to do is just pay {$50.00} now and then just {$50.00} or {$75.00} a month - whatever I could afford and they would give me a great settlement.
The meeting with the court commissioner - XXXX had set up a teleconference with the plaintiff for him give a statement and he would n't answer his telephone when they were called from the courtroom.
Under FTC Settlement, Debt Buyer Agrees to Pay XXXX for Alleged Consumer deception - - - XXXX : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; using illegal debt-collection practices, including misrepresenting the character, amount and making false representations to collect a debt ; andfailing to provide verification of the debt and continuing to attempt to collect a debtThis is what XXXX did to me - 4 times to court- each time XXXX miles roundtrip
|
| 11/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2023, I noticed fraudulent transactions for XXXX XXXX services ( a service I have never, ever used, because I am an adult and not a teenager that plays video games ), and realized when I had recently lost my wallet at the airport, my Citi card must have been stolen from my wallet. I immediately reported the concern to Citi. The service representatives were inept, unskilled, and struggled to understand the very basic concepts of fraud. I was repeatedly put on hold, the call dropped, had to call again, and then speak to a supervisor. I attempted to explain that I wanted to report the charges as fraudulent and the card to be cancelled, but did not want a replacement card at that time, because I was traveling, and did not want a new card sent to my home when I wouldnt be there to get it ( I previously had an issue where Citi sent my credit card to the wrong address, and because Citi for reasons that are inexplicable to me, includes a pin and instructions to activate the card for whomever gets the package to activate it, it was activated and fraudulent purchases were made ). The CSR was so inept, they kept attempting to close my account, which I did not want. I was told repeatedly not to worry, and all would be okay. The transactions would be reported as fraudulent, they would not send a new card until I contacted them again, and no further charges would go through on the card.
About a week later, I got a fraud alert and once again called Citi. When I spoke to the CSR, they were totally clueless about my previous call and requests. They once again tried to send me a new card, and once again, when I told them I could not receive the new card, tried to close the account. I once again had to walk them through what was going on : I wanted the old card blocked, the charges reported as fraudulent, and not to send a new card until I was back from traveling.
It is now XX/XX/2023, almost an entire month later, and I notice that the fraudulent charges are still showing on my account via the app. Because a payment is due, and I always pay the balance in full, I call Citi YET AGAIN. YET AGAIN, the XXXX has no clue about any of my previous calls, and attempts to walk me through the entire fraud process from the very beginning once again. ONCE AGAIN, I have to explain that I dont want to close the account ; I just want to block the old card, report the fraudulent charges, and not receive a new card until I have returned ( I am on a long term travel work assignment and will continue to be for several months ). I asked to speak to a supervisor, and after being placed on hold for over XXXX minutes, the XXXX came back on the line and said : We are experiencing a systems upgrade and unable to access any accounts. Please call us back after an hour or XXXX. I can only XXXX that when I call again tomorrow there will still be no record of any of these issues, and I will deal with yet another XXXX that will treat the issue as if it is happening for the first time.
The fact that Citi has let these fraudulent charges sit for over a month, and has not addressed the issue, is pathetic at best and a blatant violation of customer trust and false advertising that they protect their consumers from fraud. The fact that I have had to call on multiple locations, and there is no record of me reporting the fraud shows that fraud monitoring is unacceptable, their risk controls weak, and their ability to conduct financial business a danger to US consumers.
I implore the CFPB to investigate this matter thoroughly and apply the appropriate reprimands and sanctions against Citi. The fact that they cant accurately monitor fraud or protect their consumers makes them unfit to sell financial products.
|
| 07/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Was contacted by a man named XXXX XXXX, stating he was representing a law firm, in an attempt to collect a debt with XXXX XXXX on XX/XX/XXXX. He stated that they had attempted to serve me a subpoena to court because they were going to take legal action for the unpaid debt, which originated on XXXX. He stated that I owed {$7900.00}, which included attorney fees ( {$1.00} ) and filing fees ( {$240.00} ). He stated that he could speak with the attorneys and see if there could be a settlement for a reduced amount. I did have a VERY old unpaid account with Best Buy, didnt recall it being that high, but I did have it in my past. He came back to me with an amount of {$5800.00} because the had removed the attorney and filing fees. He asked me what I could afford each month and I told him around {$300.00}. At the time I was actively trying to improve my credit so I thought this would help. He told me that he would send me a XXXX document outlining the payment plan. We set up a date for it to be charged to my debit card each month and I gave him my card information. I received the document via my email from XXXX XXXX, which I thought odd, within a few hours. The cover sheet stated it was from XXXX XXXX XXXX XXXX. It had my current address listed ( not the original address ) a case number, the original creditor ( XXXX Best Buy ), my original account number ( which I have no clue if it is accurate ), my SSN, and amount due ( {$5800.00} ). It also listed the monthly payment amount {$300.00} and due date of each month ( XXXX ) to begin on XX/XX/XXXX and to continue until paid in full, which would be XX/XX/XXXX. Every payment has been made since that date, approximately {$3300.00}, unless I have called and arranged a different date.
Earlier in this year, XXXX of XXXX, I began REALLY investigating my debt because I would like to get a divorce and I was considering equitable distribution prior too. At that time I realized I had never once received a receipt from XXXX XXXX whatever.so I called, spoke with XXXX and he said he would have the accounting dept be sure to send one after each payment. When I received the first receipt, it was to XXXX XXXX XXXX, XXXX, which was never disclosed to me or on any paper work that I received that they would be processing the payment. I have attached a copy of the payment agreement signed on XXXX and a copy of the first receipt I received on XXXX.
I began do my own research on these companies and my rights as a consumer. I called XXXX again and asked for pretty simple information about my case and he refused to give it to me. I was told it was confidential and I would have subpoena it from the lawyers, at my own cost. Did some more investigating, my Best Buy account was charged off on XXXX, way past the XXXX in NC of 3 years to file suit. I also have found out that a I can not be threatened with legal action for a debt that is time barred per the FDCPA I have called XXXX and asked for more information about my case but have not heard back.
My consumer rights were violated because I was naive to the law but it had been over 10 years since the charge off when I was initially contacted, they knew EXACTLY what they were doing. I was never informed that they were attempting to collect a debt that was time barred by the statue of limitations in NC, my residence. I never received any type of written notice from this company in attempt to collect. When I requested information about the original debt, it was denied to me. I have found quite a few consumer complaints on the web about XXXX, XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX, CA stating they were called about a debt from XXXX for ridiculous amounts and asked to settle right then and there or be sued.
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| 02/23/2016 |
Yes |
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Web |
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In XXXX XXXX, I made a large purchase at Best Buy at 0 % interest for 18 months with a monthly minimum payment of {$25.00} using their store credit card, which I had opened in XXXX for a similar promotion. I began paying $ 25 monthly, until XXXX XXXX, when I received a payment reminder e-mail from Best Buy reminding me that my minimum payment was {$27.00}. I contact Best Buy via online chat to inquire about the change on XXXX/XXXX/XXXX. The representative in the online chat told me that as of XXXX XXXX Best Buy changed their minimum payment to [ whichever is greater of 1 %, plus fees and interest or ] {$27.00}. I asked why I was not notified of this change. The same representative told me that Best Buy did not notify me because they send both a statement notification and a payment reminder monthly, so they did not see a need to send a separate notification for a change in the Cardholder Agreement. I told him that changing the cardholder agreement without notification was unacceptable and 1 ) I wanted a copy of the new terms for my account ; 2 ) I want to file a complaint about the lack of notification. He told me that he would have a copy of the new agreement sent to me via mail and made available online. He also directed me to customer service at XXXX.
The same day on XXXX/XXXX/XXXX, I contacted customer service to file a complaint. The first [ telephone ] representative did not know how to file a complaint and sent me to her supervisor, XXXX. XXXX informed me that the first [ chat ] representative was mistaken, that an updated cardholder agreement had been sent on XXXX/XXXX/XXXX, and that I must not have received it. She also told me that Best Buy is required by law to mail the agreement, so it is not and would not be made available to me via the secured message center online. However, she did agree that a request for additional copy had been placed and that I would receive a copy of the agreement via mail.
Today ( XXXX/XXXX/XXXX ) I have yet to receive a copy of the updated terms. I called to follow up with customer service at the above number. When I asked about receiving the terms and the status of the complaint. The representative told me that she had checked with her supervisor and there is no way for an additional copy of the Cardholder Agreement to be sent. Also, there was no way for her to provide any confirmation that a complaint was filed or what the status of the complaint was. However, she said I could the most recent Cardholder Agreement at XXXX. While I was still on the phone, I went to the site, only to find that the terms still listed at that web address as of XXXX XXXX on XXXX XXXX, have a minimum payment of {$25.00}. I asked to speak with the supervisor.
After being on hold, this phone call was now going on 33 minutes. The supervisor, XXXX, came on the phone. She confirmed that after opening the account and the initial Cardholder Agreement being sent, she had no way to send another copy. She also confirmed that she had no documentation of my complaint being filed. She did, however, confer with her colleagues, and came back, to tell me that she can send a request that can take up to 30 days to process for a Cardholder Agreement to be sent.
Citibank and Best Buy changed the terms of our agreement without any notification. Then, they attempted to cover their tracks by lying about it. In the meantime, they are still advertising terms for a financial product, which they have no intention of honoring. At a minimum, this is deceptive advertising. At the worst, this is some scheme to fool unsuspecting customers, such as myself, into being {$2.00} short on a payment so they can charge late fees, penalty APRs, and terminate promotional interest rates.
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| 08/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Older American, Servicemember |
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On XX/XX/XXXX I received a suspicious or obviously malicious email. I forwarded it to XXXX XXXX XXXX ( XXXX ) for analysis.
The best way to report this was to simply forward the suspected phishing email to XXXX Forwarding suspected phishing emails to XXXX contributes to fraud and crime prevention services to protect users and track criminal activity. By submitting information to XXXX I give XXXX permission to save the email in its entirety for these purposes. All data is handled responsibly and under contract with the XXXX vetted member community. View the full XXXX privacy policy here XXXX XXXX XXXX In XXXX, Congress expanded the FTC Act to not only prohibit unfair methods of competition but to also prohibit unfair or deceptive acts or practices in or affecting commerce to allow the FTC to directly protect consumers. See 15 U.S.C. 45 ( a ) ( Section 5 of the FTC Act ). These procedures provide information regarding the applicability of Section 5 of the FTC Act. In XXXX, Congress passed the Dodd-Frank Act. Section 1036 of the Dodd-Frank Act prohibits a covered person1 from engaging in unfair, deceptive, or abusive acts or practices ( Dodd-Frank UDAAP ). See 12 U.S.C. 5536. Section 1031 of the Dodd-Frank Act provides authority to the Consumer Financial Protection Bureau ( CFPB ) to promulgate rules identifying such acts or practices as unfair, deceptive, or abusive in connection with consumer financial products and services generally. See 12 U.S.C. 5531. These procedures also provide information regarding Sections 1031 and 1036 of the Dodd-Frank Act.2 The legal standards for unfair and deceptive under Section 5 of the FTC Act and the Dodd-Frank Act are substantially similar. Further, the legal standards for unfair, deceptive, or abusive are independent of each other. Depending on the facts, an act or practice may be unfair or deceptive or abusive or any combination of the three, or not constitute a violation.
On XX/XX/XXXX I recieved an email with Social Security logo on the letterhead. Beneath the logo was a XXXX XXXX. : XXXX. Then the word Alert! then my email address. Then, in the body of the letter it starts : " This is to notify you that your Social Security Number has been terminated due to suspicious activities found during our investigation. You should not use this number for any future transactions. '' Then it says : ( To know the reason of the termination in details ) call toll free number XXXX ( XXXX ) XXXX and I did. A XXXX XXXX XXXX answered my phone call. He transferred me to a XXXX XXXX XXXX. He asked me did I have a bank account. I said yes. He said he needed me to get XXXX remote desktop application from the XXXX store and upload to my XXXX. I did. He wire transferred the moneys in question. I am showing in this complaint - that the domestic wire transfer of XXXX from my Citibank 's personal checking account was for {$5700.00} plus {$25.00} bank wire fee, along with {$500.00} XXXX transfer to an XXXX XXXX at XXXX by a XXXX XXXX at XXXX ( XXXX ) XXXX were acts or practices that are consumer-oriented, and have a White Collar Crime flavor that was misleading in a material respect, ( The SSA letter ) and that I am the victim and was injured as a result of this deception. The {$5700.00} was wired to XXXX XXXXXXXX XXXX routing # XXXX and to account XXXX. Citibank 's XXXX ; Citibank 's General Counsel and several others has been informed but to no avail. The New York Attorney General also has the power to enjoin deceptive consumer practices or to initiate enforcement actions against any person or business that engages in deceptive acts or practices or false advertising. The harm totals {$6200.00} which needs to be returned to my Citibank checking account.
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| 05/20/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Order # XXXX with XXXX On XX/XX/XXXX we placed above XXXX XXXX XXXX order using the Citibank Home Depot credit card ending XXXX for the lawn mower. This product was never delivered to us however XXXX shipping company which XXXX XXXX uses and the XXXX XXXX website states it was delivered to our home but in reality we did not receive the product.
The order is for XXXX XXXX XXXX XXXX in. Battery Electric Cordless Riding Lawn Tractor with ( XXXX ) XXXX XXXX Batteries and Charger.
The Home Depot while placing the order never gave us an option for signature for such a large purchase which has now put us in this predicament. The shipping company/ XXXX XXXX never called us 30 mins prior to the arrival which they committed to during order placement. We were waiting for the truck knowing it is a large delivery and never saw any truck coming into our property for the delivery. As soon as we saw the status change to delivered we called XXXX XXXX. They called XXXX to verify the delivery. XXXX stated it would take them several days to research. XXXX XXXX called and washed their hands off stating we need to follow up with XXXX ourselves and open dispute with credit card company. They further stated they are unable to refund or replace or cancel. The home dept team and credit card company with whom we have filed dispute with is asking us for documentation for non delivery. Instead of asking us for evidence which can never come into the picture since we never got the product- what proof can we provide as a consumer who is stating we did not get the product as promised by the company, we want XXXX or XXXX XXXX to provide proof of delivery ( e.g Picture of the delivery/ video or our signature for receiving the item ). Why is the burden of proof on consumer and not the company that committed to deliver.
{$5400.00} was charged to our account and we want the charges reversed immediately. This is our hard earned money.
The issue is XXXX XXXX is bouncing us between courier ( XXXX XXXX ) and the credit card company and not taking accountability of swiftly solving this issue. Credit card company is stating they will need to investigate and that could take XXXX days. The charges have already posted. Despite us stating the charges are fraudulent, they would not reverse the charges immediately.
We have spent countless hours dealing with their team to no avail.
We need someone at XXXX XXXX ( which is the company that took our order and committed to delivering the product correctly and in a timely fashion ) to roll up their sleeves, take accountability and FULLY refund the money or get the product delivered asap.
This is unfair lending practice and we do not appreciate their lethargic approach of having the consumer deal with the problem.
As an example, this is what the Home Depot assistant indicated - " I did review the order notes and it looks like the previous associate advised contacting your bank to dispute the charge as the item shows as delivered. Were you able to have the charge disputed? If so, I can certainly reorder the item for you. Or you can contact XXXX at XXXX to file a claim '' Please help us retrieve our hard earned money.
We have also filed XXXX complaint with home depo as well as XXXX and Citibank refused to refund immediately. We also reviewed all the XXXX, XXXX reviews and shocked at how many times similar incidents have taken place with other customers. As per complaints board, only 8 % of XXXX cases were ever fully resolved and some consumers are being forced to pay. XXXX has given XXXX an F rating. We are very worried we will cheated out of our hard earned money. Please help us and get us a refund from this company. Citi bank is holding our money XXXX.
|
| 12/08/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I have been attempting to receive validation of an account from XXXX over the past four months. I have called repeatedly and sent written notifications for this information but nothing has been sent to me. This alleged debt along with others was obtained by someone other than myself around the same time, on the same date. I have placed fraud alerts on all of my credit reports. I have a police report that has some other accounts that were opened on the same date ( XX/XX/XXXX ) as this XXXX account that have been proven to not be mine. On XX/XX/XXXX I finally sent certified letters to the Credit Bureaus requesting proof of this account and received a letter from XXXX saying that they received my inquiry and have verified my account but no verification information sent. To date that is the only communication that I have received. I decided to call today ( XX/XX/XXXX ) and work something out with them as they have had my account under Fraud investigation for several months at this point and it is affecting my credit ( I was not sent any paperwork to fill out even though they claim they sent it ). After I was given the run around for about an hour I finally spoke to XXXX ( who was great ) and she stayed on the line until I had a live person from the Fraud department on the phone. I then proceeded to speak to XXXX and informed her that I wanted to try to settle the account because it was affecting me and that I did not have much money and could pay {$100.00} today. The account total is {$330.00}. She then told me that she could not offer me a settlement ( although the account is charged off ). I told her that I had never heard of that and I was willing to do this even though the account is not mine and they have never proven that it is mine. She told me that I would have to have a hardship. I asked her my choices of hardship and she told me that she can not tell me but I would have to tell her. I proceeded to tell her that I do not have much money and that financially I am not in a good place right now and that is why I am trying to better my credit by working with them. She basically brushed me off and still would not tell me anything about the hardship choices or offered anything to me after I told her everything. Yet, she told me I could send in payments but like I told her I do n't have anything like that and can not commit to making any payments. She was basically trying to make me pay them the whole thing even though it has already been charged off as a loss to the company. So instead of accepting a settlement they are just going to allow it to sit there until they sell it to a collection agency for pennies on the dollar in which I will then have an even bigger hit to my credit and they still get the tax reduction for it. I have never encountered a company that did not accept a settlement much less not even try to counter it. She was very rude and did not try to help at all. I requested to be sent to a supervisor and she denied that request and asked if there was anything else she could do and when I told her no I need to speak to someone else she abruptly hung up the phone. I was on the phone with the company for almost an hour and a half, talked to eight different people after getting the run around, offered to try to settle the account, just to be hung up on. This is unfair to me as I have patiently been awaiting their fraud results and still have not gotten anywhere. They keep reporting to the credit bureaus as a verified account but has not sent any proof. The only thing that XXXX offered me was to tell me the items purchased but as I told her that does not mean the account is mine. I tried to offer what I had and they did not even try to be reasonable with me.
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| 10/13/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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I am having a checking account with Citibank. On XX/XX/2020, I made a wire transfer transaction of {$1000.00} to XXXX XXXX XXXX XXXX. The next day, XX/XX/2020, I made another wire transfer transaction of {$4000.00} to the same account with the same bank XXXX XXXX XXXX XXXX. On my Citi Mobile app, it said that the beneficiary should receive it on XX/XX/2020. I kept checking with the beneficiary if they have received the money I have sent out. They insisted that they have not received the money. 7 days later, XX/XX/2020, I decided to recall the transaction. I spoke to XXXX, and he had given me some options, however, he did not completely explain the options for me, so I went to the option that I think is best for me which is recalling the wire transactions ( instead of tracing/investigating the wire which could take up to 90 days ). He said Citibank will give me a call once they have some news regarding the transactions. A couple of days later, still no call from Citi XXXX I have to call them back to check on the recalls. They said that XXXX XXXX has not replied to them. XX/XX/2020 I have to call them again. This took about a few calls for about 1 month, they finally said that the Beneficiary bank has received the money and they have to wait for the beneficiary to agree to refund the money back to me. But at this time, the company that I tried to wire the money to still confirms that they have not received the remittance that I made. One day, CitiBank contacted me regarding the {$1000.00} that I had made earlier on XX/XX/2020 that it was going to the wrong account and they had refunded the money for me. But they insisted that the money I transferred on XX/XX/2020 and XX/XX/2020 for a total of {$5000.00} were gone because the beneficiary had withdrawn the money. I had tried to contact the beneficiary recipient a few times and they said they have not received the money. Finally, on XX/XX/2020, spoke to XXXX again, I asked Citibank to send me all the proof, statements, any email/communication kind of message that they had with XXXX XXXX ( Beneficiary bank ) that state that the Beneficiary has received and withdrew the money. Again, on XX/XX/XXXX, Spoke to XXXX, I asked one more time to help me send all documents/investigation statement that could help me verify with the beneficiary that I had sent the money to the correct account and address. They said that it took 5 business days for the secure emails of those documents to be processed and sent. I waited 1 whole week until now, I only receive 1 piece of document for only 1 transaction. It does not include any communication kind of form that XXXX XXXX confirmed with Citibank that the beneficiary had received the money and had collected the money. Yesterday XX/XX/2020, I spoke to Citibank Representative, I did not get her name, but she said there is nothing else CitiBank can do for me. I have to contact XXXX XXXX by myself because they have done their part.
How can they have done all their parts when I only asked them one simple request, is to send me proof/statement related to the transactions that show I have made the transactions and the money had sent to the correct account just so I can prove to the beneficiary that I have made that remittance. Whatever they had sent me is not completed and not helping.
Reference number for recalls # XXXX XXXX for {$1000.00} on XX/XX/2020 # XXXX XXXX for {$4000.00} on XX/XX/2020 XXXX {$1000.00} ( I believe this is a reference for the refund that I sent money to the wrong account on XX/XX/2020 ) Spoke with XXXX on XX/XX/2020. He was very helpful, always tried to help me.
XXXX is the reference for the document they sent related to {$1000.00} on the XX/XX/2020 transaction.
|
| 09/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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This is fraudulent collection opened by someone who stole my identity.
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( Emphasis added ) Therefore I am disputing this debt because I do not owe it.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and Attorney Generals office. Civil and criminal claims will be pursued.
I respectfully request that you provide me with the following : 1. The amount of the debt ; 3. Verification or copy of any judgment ; 4. Proof that you are licensed to collect debts in Maryland ; 5. Proof that the original creditor attempted or contacted me regarding this debt ( certified mail, letter, etc ... ) I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.
You can not add interest or fees except those allowed by the original contract or state law.
Any attempt to collect this debt without validating it violates the FDCPA.
Couple years ago, I have lost my ID along with all my information which had all 3 bureaus place a credit fraud alert on my credit as a result of identity theft. As a result, on 07/09/2018, I have disputed with the CFPB and have all the disputed items removed from my credit report. Now, enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that claimed an Identity Theft, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
As a matter of fact, this debt has already been successfully disputed through the CFPB on XX/XX/XXXX with complaint number : XXXX and has also been successfully removed from my credit report.
Sincerely, XXXX XXXX
|
| 05/29/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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|
Web |
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The following is an account of what occurred with Citibank on XX/XX/2022 : XXXX ) XXXX I was heading Southbound on the # XXXX subway and received 2 messages from Citibank asking if I made the following wire transfers : A. a transfer for {$2400.00} from my checking account and B. A transfer for {$52000.00} from my savings account. I IMMEDIATELY responded, No. I then received a subsequent text informing me to Please call Citi Fraud Dept at which I subsequently did.
Later, after returning home from work, I found the following 6 emails from Citibank : 1 ) XXXX The payee on your account was updated 2 ) XXXX Youre now set up for Wire Transfer Services 3 XXXX XXXX ( The same time I received the texts ) Fraud Alert : Your Citibank accountReview the recent activity below ( this was regarding the wire transfer for {$52000.00} ) 4 ) XXXX ( 3 minutes AFTER I responded No to the text fraud alert ) Your wire transfer was sentThe hold on your transfer was removed [ This was regarding the wire transfer from my savings account for {$52000.00} ] 5 ) XXXX Fraud Alert : Your Citibank Checking Account ( This was in reference to the wire transfer for {$2400.00} ) 6 ) XXXX ConfirmationThe hold on your transfer was removedthis transfer was sent. ( Regarding the wire transfer for {$2400.00} ).
In the space of only three to nine minutes, Citibank released my ENTIRE LIFE SAVINGS!!! This AFTER I informed them that I DID NOT MAKE THE TRANSFERS! Its as if I forgot in XXXX minutes that I did authorize the transfers when I ABSOLUTELY DID NOT!!!
I have spoken to SO many people in Countless offices including : 1. FBI I filed a report 2. NYPD filed a report 3. EAP at my job who referred me to Scams & Frauds thru XXXX 4. Legal Referral Services not qualified due to my income 5. XXXX XXXX currently investigating my claim 6. XXXX XXXX XXXX XXXX not qualified due to my income 7. XXXX XXXX XXXX was told their attorneys dont handle these types of claims and referred me back to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX filed a complaint and received a Dear XXXX email response that they forwarded my claim to Citibank and if I receive a response to please let them know.
9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX attorneys only 1 responded and informed me that I. Domestic wire transfers are specifically excluded under current law along with additional protection of requiring Citibank to cover legal fees II. I could pursue the matter under several smaller statutes, but it would likely cost me thousands of dollars AND I could still lose III. I was the 5th person to contact him within the past XXXX weeks with the EXACT same issue with Citibank including a woman 8 months pregnant who lost $ XXXX.
IV. Suggested I reach out to : a. XXXX XXXX of Consumer Affairs ( this is how I ended up filing the complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney Generals Office c. Federal Consumer Financial Protection Bureau I will file a claim with them I actually did receive several responses from Citibank : 2 telling me that the receiving bank didnt receive a response from XXXX XXXX XXXX the name of the individual who received my money ) and 2 denials one for each transfer stating it wasnt fraud.
Needless to say, I AM DEVASTATED! Where is my protection when I entrust my life savings to a MAJOR AMERICAN FINANCIAL INSTITUTION and they are LEGALLY allowed to dispense with 95.5 % of my savings in THREE MINUTES ( quite literally the time it took me to travel from XXXX to XXXX streets on the subway ) and the remainder six minutes later! And remember that all of this occurred AFTER I INFORMED CITIBANK THAT I DID NOT AUTHORIZE EITHER TRANSACTION!
I have records of all the aforementioned claims as does Citibank.
|
| 04/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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Good Day, My name is XXXX. A while back I took a balance transfer offer from Citibank. I transferred roughly {$4300.00} to a zero interest diamond preferred card. As of XX/XX/XXXX, I had paid that balance down to {$1800.00}.
I receive social security XXXX and my husband gets paid bi-weekly. So, I figured that he had 9 paydays left until XXXX, which is the date that zero interest promotion expires and I had 5 XXXX payments coming. So, after doing the math, it came out to 5 payments of {$140.00} a month from me and {$120.00} per pay check from him. I set my online banking to send these payments automatically so I wouldn't forget.
Then at the end of XXXX before the expiration date, I intended to double check that it was pif and pay anything that was left outstanding so as to avoid any deferred interest.
The deferred interest is a significant amount. It would be somewhere between $ XXXX {$900.00}. So, I felt it was very important to get it paid on time.
In the meantime, Citibank offered me another promotional balance transfer, which I accepted. This one has a very small interest rate, less than 1 % and it doesn't expire until XX/XX/XXXX. So, I am figuring that I will take care of that one after I finish the one thats due by XXXX.
I wrote Citibank a letter in XXXX explaining that I want my payments targeted to the oldest bill, in other words, the one that expires on XXXX.
Now, its XXXX. I am reviewing bills and such and I see that the promotional balance which expires on XXXX has not decreased nearly as much as I expected it to with the payments I have made. I realize that they have been putting the payments toward the promotional balance that expires on XX/XX/XXXX.
I have XXXX , and it has affected my speech. I don't like speaking on the phone, so I open a chat with " XXXX ''. After explaining all this to XXXX she basically tells me that Citibank applies any payment above the minimum toward whichever promotion has the higher interest rate.
I can't believe that's true. That I have no control over how they apply my payment. So, I call and speak to " XXXX '' and she tells me the same thing. Lastly I speak to a supervisor, XXXX XXXX She also told me the same thing. So the bottom line is that in order to avoid paying all that back interest on that zero interest promotion not only would I need to pay it in full, but I would need to pay the other one in full also because no matter what I ask for they are going to put my money toward the promotion that expires on XX/XX/XXXX first because it charges interest.
When I asked the supervisor where this information was disclosed she told me it was given to me verbally when I transferred the balance. First off, I did this all online. I did not speak to anyone. When she finally realized that I didn't do this promotional offer over the phone, she told me it was disclosed on the website but, she could not tell me where. She offered to send me a letter. I don't need a letter after the fact.
I want a copy of what I agreed to when I took this promotion specifically where it says how the payments will be posted and that I have no control over how I want my money applied.
Ideally I want to be able to finish paying the zero interest promotional balance by XX/XX/XXXX and then pay off the other promotional balance by its due date of XX/XX/XXXX. If I am not given the opportunity to do it that way, I guess I will have to transfer both promotions to a different zero interest card and go from there. In that case, I want citibank to provide me documentation that I agreed to this method of payment application or I want the transfer fees that I originally paid refunded.
Thank you for your help with this matter.
Sincerely, XXXX
|
| 12/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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OnXX/XX/XXXX I authorized the payments for a service to be rendered. The seller told me to give him 30 days to prove that he can perform the service. If after 40 days I 'm not satisfied that he will not only give me back my money but he would compensate me just for giving him to opportunity to prove that he can perform the service.
After after many attempt to have the service performed as promised, on day 37 I inform the seller that I wanted to get my money back, I have n't heard from the seller. I pulled up my credit card statement to see how the payment was charged, then I see it was done through a payment processor by the name of " XXXX '' I contacted them through their website, which by the way was different from the website that the seller marketed his services.
XXXX told me that they have to send an authorization request to the seller since the seller authorized them to only refund up until 30 days. I told them that was a shock to me send the seller offered a 40 days money back guarantee. They told me that I should hear from the seller with 24 to 48 hours. ( I have attached my correspondence transcript document as " Cancellation Attempt 1 '' & Cancellation Attempt 2 ) On day 39 when I have n't hear from the seller, XXXX told me that there was nothing they could do on their hand because they need authorization from the seller since they were only aware of a 30 days therefore was not able to verify the 40 days money back guarantee ) Soon after I contacted my credit card company to dispute the transaction since I felt I was the victim of a scam, which was on XX/XX/XXXX.
On XX/XX/XXXX I received a E-Communications from my credit card company with a response from XXXX about the dispute.
On XX/XX/XXXX I respond to my credit card company with documentation as proof showing each response that I could prove to be a lie. ( The correspondance transcript document is also attached as " XXXXXXXX Email to Citi Dispute '' ) On XX/XX/XXXX I received another E-Communications from my credit card company not telling me that there was a problem with my documents provided but telling me that it seems that I 'm disputing the quality of the service and that they could weigh in.
I inform Citi that I was n't dispute the quality but the actual service that I thought I was paying for.
On XX/XX/XXXXI received a letter informing me that Citi could help me any further that I was to contact XXXX to see if they could help.
On XX/XX/XXXX I responded saying that if it could have been resolved with XXXX I would n't have a need to put in a dispute for this transaction and CC XXXXXXXXXXXX, which I was told to do from my own research online on how to resolve this issue from the response received on the XX/XX/17 letter.
I received a call from that unit would told me to give them some time to review all the documents. After 2 or 3 day I received another call not telling me that my documents were not accurate but that they could n't help because no one can reach the seller and that they could only go with the 30 days money back guarantee that the seller told XXXX and that is now showing on the seller website.
I told the Citi rep that I have the seller on a recorded video guaranteeing the 40 days and as well as a pdf printed the powerpoint presentation that the seller used to offer his service. The rep told me that both the video footage and the powerpoint presentation are not sufficient.
That 's why I continued my research on how to resolve this situation and I found your website. And that 's why I 'm filing this claim because I feel that both XXXX and Citi are facilitating scam artists like this seller to get away with people 's money without providing any services for those stolen funds.
|
| 08/22/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I have a XXXX XXXX Citibank credit card. The HD card will automatically send certain purchases over a certain amount into their " deferred interest category '' for a certain period of months. XXXX or 24 months deferred interest depending on the amount of the purchase. The XXXX Citibank website is built to be super confusing. I understand the website, but am still getting screwed by this credit card. So, in order to pay off " promotional balances '' you must satisfy your minimum payment first, then any amount you pay in excess of that will be applied to your promotional balance. The kicker is, you must go into the website and navigate through a confusing maze in order to " allocate '' or pick which promotional balance you want your excess payment to satisfy. You can click up to XXXX promotional balances at a time. Your payment will be split XXXX ways. Here is my BIG issue, I had a promotional balance that was about to expire, the remaining balance was around {$920.00}, I clicked on this amount so that 100 % of anything extra I paid to my account after satisfying the minimum payment would be paid directly to this promotional balance so that I do NOT incur the HUGE penalty deferred interest of almost {$700.00}. Basically almost 85 % interest, even though they say its 29 %. That is a problem within itself, but that is NOT why I am reaching out. I am reaching out because I paid a single payment of {$920.00} to cover that remaining balance of {$920.00}. After making the payment and after the fee cleared my bank and cleared Home Depot Citibank card, I double checked to see if that balance had been removed...... Well... it had NOT. the HD card has taken my money, but NOT allocated any of it to the balance. I got on the phone XXXX separate time for at least an hour each time and was told that they had fixed the issue as they could see that my payment in addition to the minimum should have covered that {$920.00} promotional balance. They assured me it would be reflected in XXXX hours. So I would check back and it would NOT be changed, so that is when the multiple calls happened and each time they said they fixed it and NOT to worry, that when the new bill statement came out, I would get the accurate update. I just opened my new billing statement and was charged an additional {$670.00} in interest for the promotional balance that HD had agreed had been satisfied ... Fortunately, I keep up with this stuff or it would have just gone under the radar and been added to my total credit card balance. I called in today and they assured me that they refunded that full amount and I should see that reflected ASAP. They also are having to re-allocate funds for other payments I made that are NOT paying off promotional balances as they should. They agreed, I did everything right, but the system is not putting funds in the right place. My concern is how many past months have I been charged extra interest for promotional balances that I paid off, but were NOT reflected in the HD system. Also, once a promotional balance expires, a consumer/customer and NOT go back and see if our payments ultimately went to that balance, we just have to hope it did and watch to see if our interest that month went above normal. Here is where you come in, you guys need to do serious research on these promotional balances with Citibank Home Depot card and see if they are not allocating payments correctly and charging the consumer extra interest each month. This could be a HUGE scandal. If what is happening to me is happening to hundreds of thousand of other people, we are talking a major illegal scam to customers... I appreciate your help on this, I also have proof of all of my issues if you need to talk to me.
|
| 12/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
I held a checking and Savings account at Citibank and on XX/XX/2020 I asked a representative to close the Savings account and to change the regular checking account onto a Basic checking account.
I also that day sent a first ACH from Citibank to XXXX XXXX that went through.
I have been trying since then to have access to the rest of my money held in my Citibank account ( {$5100.00} ) first by transferring {$5100.00} and because this did not go through {$5000.00} to myself as was an ACH transfer from Citibank to XXXX XXXX. It appeared to go through but I have not as of XX/XX/XXXX received the money yet.
Transfer was scheduled XX/XX/XXXX to be delivered XX/XX/XXXX Below are the lists of emails received XXXX is to notify you that the Inter Institution Transfer request ( s ) below has been canceled due to an over limit condition.
The amount was then changed from {$5100.00} to the permissible {$5000.00} and the transaction appeared to go through.
Email on XX/XX/XXXX : XXXXThe funds have been deducted from the account from which you requested the funds be transferred. However, the funds may take another day to reach the destination account.
The request will continue to show on your Activity page as " Pending ''. We will update you as soon as the transaction is complete.
Then later on XX/XX/2020 : Unfortunately, the account provider has indicated problems with processing your request.
As a security precaution, until this problem is resolved, we have put a hold on your ability to submit more of these transactions.
XXXX XX/XX/XXXX : Unfortunately, the request could not be completed, as one of your account providers has rejected the transaction. As a security precaution, we have temporarily suspended your access to the service. Please contact us at XXXX so that we can resolve the problem and restore your access to the service.
I called this number and talked to a number of representatives over a few days The representatives names were XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX learned from a customer representative that my account was suspended and from another customer representative that the account was closed - that a check had been sent in the mail XX/XX/XXXX and should be received in 5 to 7 business days ; that would have been then XX/XX/XXXX if the check was mailed as asserted on XX/XX/XXXX.
I have learned finally through customer representative XXXX that the wrong account had been closed on XX/XX/XXXX or XXXX ; instead of closing the regular checking and changing to a basic checking account and closing the savings account they closed the checking account. Citi representative XXXX mentioned that they had no record of who closed the account that they did not know who sent the check as they appeared to have no record of it but that they would enquire about it.
I have as of XX/XX/XXXX not be informed of what happened or where the money is. What is now appearing in the Savings account ( that should have been closed ) is XXXX cents.
The purpose of a bank is to have customers ' money accessible when needed.
I have not received the money.
A bank statement received XX/XX/2020 shows for XX/XX/XXXX other withdrawal for the sum of {$5100.00}. Where has the sum of {$5100.00} been sent, how and by whom is unclear as per the statement or conversation with customer support. The statement furthers shows a balance of {$0.00} in the checking account that was closed without my authorization or knowledge and a balance of {$0.00} in the Savings account that should have been closed on XX/XX/2020.
The emails sent to Citibank at the address they provided have been all repeatedly not delivered with the message the recipient server did not accept our requests to connect
|
| 02/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
On XX/XX/XXXX, my wife and I attempted to make an online credit card payment using our Citi card for {$1500.00}. After entering our information correctly, the website became unresponsive and did not provide confirmation that the payment was received. The next morning, on XX/XX/XXXX, my wife and I confirmed that the intended recipient had not received the payment. We then called Citi and spoke to a customer service agent, who was unable to find any pending transaction for that amount. This agent told us that there was no problem with the account, and that we were free to try again.
Upon going back to the payment site and resubmitting our information, we received a message from the website that our CVV code was incorrect. This message was not accurate we confirmed that the CVV code on the website was correct ( of which we have documentation ). We called Citi again and provided our credit card number to the phone navigation system, and this time we were directed immediately to the fraud alert department. A new agent told us that Citi had locked our account because of suspected fraudulent activity. She unlocked our account, and our third attempt to make the online payment went through without any further issue.
This is a repeated issue with Citi- in the 15 years my wife and I have been customers of Citi, we have repeatedly had similar issues with large transactions being flagged as fraudulent by Citi ( most recently on XX/XX/2019 ). Therefore, my wife ( who was formerly a senior executive at one of the top five banks in the country and is an expert in banking regulations ) and I pressed the agent for the reason why the transaction was rejected and our account locked. The agent told us that the system had flagged the transaction as fraudulent because I had not entered the CVV code correctly. When we told her this wasnt true and that the information had been entered accurately, the agent began providing, one after another, other explanations why our account had been blocked e.g. the transaction amount was too large, the transaction was outside of our normal pattern of activity, the transaction was suspected to be counterfeit, etc. The agent could not explain why any of these flags triggered in our specific case, nor why she didnt provide these alternate explanations in the first place- instead providing them one at a time after we were unsatisified by the reasons we had already heard.
We pointed out that the only indication we had there was any issue at all was a false message from the website that we had entered our security information incorrectly. We received no communication from Citi directly to tell us that our account had been locked. When we asked the agent why, she first told us that we had not kept our contact information up to date, and that she had no email address listed for our account. I confirmed that I had received an email from Citi only two days earlier ( on XX/XX/XXXX ), but had no email after either of our first two payment attempts telling us that our account had been locked. The agent then confirmed that she did have my email on file after all, and could not provide any explanation why the system had not sent me an email to tell me that the account had been blocked because of suspected fraudulent activity, as was required by law.
Citis policy of flagging transactions as fraudulent and aggressively locking customers accounts without notifying the customer is clearly designed to minimize Citis potential losses to fraud at significant inconvenience to their customers, in violation of the law. Further, the agents repeated attempts to shift the blame to our actions were clearly designed to fraudulently deflect Citis culpability for the event.
|
| 07/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
XXXX failed to pay me its advertised promotional bonus of {$500.00} for over three weeks beyond the due date of XXXX/XXXX/16, and required me to keep my account with them open until the bonus was finally paid on XXXX/XXXX/16.
On XXXX/XXXX/16, my mother, my husband, and I each opened an individual account at XXXX based upon an advertised promotion : receive a {$500.00} bonus if a new account is opened with a deposit of {$50000.00}, the money is maintained for 30 days, and receive the bonus 90 days thereafter. My mother ( XXXX XXXX ) opened a trust account ending in XXXX, my husband ( XXXX XXXX ) opened an account ending in XXXX, and I opened an account ending in XXXX. At that time, the bank made an additional offer to my mother that if she deposited {$200000.00} into a separate wealth management account, she would receive another {$500.00} bonus, and she opened that wealth trust account ending in XXXX.
After my husband made numerous complaints on behalf of all of us, he and my mother were belatedly paid their bonuses on XXXX/XXXX/16 ( without explanation for the delay ), and then finally paid my bonus on XXXX/XXXX/16. My husband filed a similar complaint with you, Office of the Comptroller of the currency, Case # XXXX.
My husband made his first inquiry regarding the status of our bonuses via email on XXXX/XXXX/16, and received an email response that the bank would get back to him. He again asked via email about the status on XXXX/XXXX/16, and received an email on that date, stating in part, " It seems like you 've met the promotional requirements, but we ca n't credit the account unless approved by our back office. '' On XXXX/XXXX/16, my husband was informed by the bank via email, stating in part that " they are overloaded with credit requests and that they have n't gotten to your account yet, '' and " I know you have waited for quite a bit but what they are telling me makes sense. As soon as I get an email, I will forward it to you. '' On XXXX/XXXX/16, my husband emailed the bank saying that he believed they were in breach of contract for failing to pay the promotion on time as advertised : the bank made an offer ( the promotion ), I accepted the offer and made the deposit, and I complied with all terms.
On XXXX/XXXX/16, my husband spoke with his contact at the bank. The contact told my husband that he was doing everything in his power to escalate this and get it resolved, but he believed that XXXX was very backlogged with these promotions.
On XXXX/XXXX/16, the bank confirmed via email that my account had to remain open to receive the bonus. As a result, I was forced to keep my account open past the promotional time period in order to receive my bonus.
On XXXX/XXXX/16, my husband emailed another bank contact about the status of my bonus, since the bank had finally ( belatedly ) paid the bonus to him and to my mother. The contact responded via email that " XXXX is a signer on the large account ending in XXXX, she received the credit for {$500.00} on XX/XX/XXXX into that account. '' This is incorrect for XXXX reasons : First, I never authorized my bonus to be placed into my mother 's account. Second, and more importantly, that {$500.00} was the bonus paid for opening that account ( not mine ), which the bank had previously confirmed via email ; it was not the bonus that was owed to me.
The bank took my {$50000.00} deposit. I complied with all terms. There was no legitimate reason for delaying the payment of my bonus and for forcing me to maintain my account past the promotional deadline in order to receive the bonus that I was owed. I received the bonus on XXXX/XXXX/16, but still feel the practices of the bank should be reported to you. Thank you.
|
| 03/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
XX/XX/2015 a promotional advertisement was posted on internet by Citi Bank agent XXXX XXXX XXXX for Citibank Citigold checking to award prospective applicant XXXX bonus miles if the applicant opens a Citibank Checking Citigold Account Package, set up a bill payment for at least 2 consecutive months, and make at least {$1000.00} in debit card purchases.The full text of AD is copied and pasted below.The front page tries to lure customers to Citi Website using the Promotion code below. It does not mention customer must read other disclosures for more terms and conditions.This AD is designed in such a way only to lure and trap customer by giving me XXXX bonus miles as a bate. The AD does not state if you have already existing account you are not eligible, nor does it direct to other pages to read terms and conditions.My question is when I opened account over internet with their promotion code and they knew from their records I have already basic checking account why they did not deny even if I overlooked it. From my standpoint I met all the conditions that they stated on Promotion front page and even Citi representative wrote me I have met all essential conditions so I must get award around XX/XX/XXXX but with latest communication Citi denied.I have copy of that letter too which I can attach or copy paste later. To satisfy their conditions it took me 3 months in my seniors. I consistently was supposed to maintain high balance of {$50000.00} to avoid paying monthly fees. To do that I took money out of my nest egg saving with XXXX XXXX where I got around 1 % interest but interest here is negligible.So I been loser in old age from both sides, thanks to citi bank running these shady promotions.
XXXX Citibank Citigold Checking XXXX XXXX XXXX XXXX Bonus Miles By XXXX XXXX on XXXX XXXX, 2015 Bank Bonuses Citibank Citigold Checking is offering up to XXXX XXXX XXXX XXXX bonus miles with promo code XXXX good until XXXX XXXX, 2015. In order to get the maximum XXXX bonus XXXX miles, you must open a Citibank Checking Citigold Account Package, set up a bill payment for at least XXXX consecutive months, and make at least {$1000.00} in debit card purchases. The Citigold XXXX XXXX miles bonus is enough miles for XXXX roundtrip domestic tickets. The amount of bonus miles earned also depends on the checking account opened and how much you spend on your debit card.
*Important* Those with a Citi/XXXX credit card, you are more than likely qualify to Apply for the Promotion : Apply Here then enter code XXXX. You can also copy and paste XXXX to enter your promo code. If not, give them a call XXXX or visit a local branch to inquire about the bonus. Many people have taken advantage of these offers by calling in and successfully signing up for this promotion. Just make sure you have all your screenshots and phone numbers to call after the 90 day period follow up.
Citigold Account earns XXXX XXXX bonus miles, requires {$100.00} in debit card purchases Citibank Account earns XXXX XXXX bonus miles, requires {$370.00} in debit card purchases Basic Banking Account earns XXXX XXXX bonus miles, requires {$120.00} in debit card purchases Citibank Citigold XXXX XXXX Miles : Sign up Offer ( use offer code XXXX ).
Account Type : Citigold Account Package Availability : Nationwide Expiration Date : XXXX/XXXX/2015 Hard Inquiry : Soft Opening Deposit Credit Card Funding : $ XXXX ( however, set your credit card cash advance to {$0.00} just to be safe ) Direct Deposit Requirement : No Monthly Fee : $ 30 monthly fee unless $ XXXX monthly balance.
Additional Requirements : Make at least {$1000.00} in purchases using your debit card and set up bill payment for 2 consecutive months.
Closing Account Fee :
|
| 08/02/2015 |
Yes |
|
|
|
Web |
|
|
I want to file a serious complaint against Citicards/Citibank. I had XXXX credit card accounts with them, XXXX Choice Visa, and XXXX ATT Universal card. Both had interest rates around 11.25 %. Immediately after the bank reform act of XXXX, they jacked my rate on both to 29.99 %, even though my account had always been in good standing, and not been late over the years. It caused my minimum payment to go from around {$450.00} and {$350.00} respectively to around {$800.00} and {$500.00} per month. I contacted them immediately to please take the rate back down, as I had been a long time client since XXXX and XXXX respectively. They refused to do so. I told them that that excessive increase was not fair and bordered on usery. They informed me that they were .10 % less than usery! I tried everything to get them to take the rate back considering my account had always been in good standing. They told me that was the only rate available to me at the time. I told them that eventually, I was not going to be able to meet that high payment. They did nothing to help me. Since that time, they added a " Credit Protector Fee '' for around {$24.00} per month that I did not notice on the statement ( since I always paid it online, and just did n't see it on there ). I have called them over the course of five years, I have called them at least XXXX times to ask for help in a reduction of the interest rate, and they told me they could not offer me any options unless I defaulted on payment! That was exactly what I was trying to avoid happening, to damage my credit. Again, sorry. No options available. Finally, my husband became unemployed as a corporate pilot for four years, and we finally exhausted our bank accounts and funds. I asked if the credit protector insurance that we never authorized, could help pay the bill. They referred me to to the insurance company, and they told us no, we would not qualify. I then went back to Citi and told them I wanted a refund for all that they had charged me for the service that would not pay, plus I did not authorize. They said no. I went into default, not because I wanted to, bu because I had no choice ( no pun intended ). Either pay my mortgage or Citi. I chose to save my house., I am now in collections on both cards, and I feel Citi has completely ruined my credit by what they did with my interest rate, and have put me on the verge of bankruptcy. I feel they owe me a refund for all the excessive interest, since the accounts were always in good standing, and a refund for the Credit Protection Services that were no good. I do n't know what to do, as they have never cooperated. Even when I called to tell them I could not pay their bill at that rate, they refused to make a payment arrangement that I could afford so I could pay them. There must be others out there that they have done the same thing to. Ca n't there be some sort of class action suit brought against them, or some sort of writeoff of the excessive interest? I feel I have paid them all I am going to thru their unjustified excessive interest. At this point, they have turned it over to a collecton agency. Can you help me in some way? I am not opposed to paying them some sort of arrangement, but they have been unwilling to do so in the past, which is why I finally decided to let them go pound sand. I would welcome any help or advice you could give me. Citi has caused me to such financial hardship, that I now am in default with XXXX XXXX, and XXXX XXXX, but I am going to contact them tomorrow to see about an arrangement with them. They both have always been wonderful in the past, and I want to pay them what I owe. Not so Citi. I would welcome any help to go after Citibank. Thanks so much!
|
| 07/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
First, I would like to say that Citi Bank 's Customer Service is absolutely horrendous. I noticed the business underhandedly closed my account yesterday morning. So I asked why via their online chat and first I was told it was closed by their dispute team due to security risk and suspicious activity on my account but need not to worry because I would receive a new card within a few business days ... Then someone else said it was closed by their security department, which is completely different from their disputes team, and told me to contact them directly so they could help me with this ... So I called the number that was given, and got no help at all. I was on the phone for a total of 26 and a half minutes, just to be given the runaround and be hung up on ... Simply because I expressed my upset and aggravation due to being given the runaround all morning.. Different agents giving me conflicting information ... I get told to call a specific number to get details on what happened, just to be told the same vague info I've already been given ... To be more specific -- I call, get transferred 3 times, then he has me on hold for 15 minutes just to come back on the line to tell me the same thing everyone else told me within only a minute or two.
After being hung up on, I spend another 17 minutes on the phone, to be given yet again, contradicting information ... This time around, my account wasn't closed due to security risk or suspicious activity. It was closed due multiple other reasons, and that I would NOT be receiving another card in the mail, like the first agent via chat had told me ... He advised me to write a letter and mail it to them, but I am not writing a letter and mailing it out and wasting even more time just to wait for it to arrive to them, only to get a denial in return.
And honestly, why should I be writing a letter asking for reconsideration? I did nothing wrong! This bank chose to have an option to dispute charges online even if they were authorized, and I can't help that many businesses I buy from in XXXX New Jersey still aren't accepting returns. I also can't help that a lot of the restaurants I've been going to XXXX and they can't get their order straight or they give me food that's horrible quality, etc. If they don't like people disputing charges for those reasons maybe they shouldn't have them as an option then? And if there were any issues with in regards to me disputing charges, then they should've given me a warning before going and closing my account like that.
Also I always make my payments, on time and in full. Whatever happened with me and other banks, that has nothing to do with the relationship between Citi and I. I can not help that I have several other closed accounts due to my previous banks ' bad business practices, not liking the way the banks do business, or because I was authorized user on someone else 's account and they decided to not pay their balance anymore. Not to mention, they were well aware of these closed accounts when you approved my application the end of last year.
Not really sure which it is, or if it's both.. but those are the only factors it could be. Suspicious activity? By that I'm assuming they mean fraudulent and there was no fraud on my account, nor have I reported any. Nevertheless I know they don't permanently close someone's account over fraud ... Can't tell what the reason ( s ) is, since clearly they can send me the letter explaining why to my e-communications on my account online which I can still access so that I can see it instantly, rather than have to wait 7 to 10 business days in the mail ... All I know is this is absolutely ridiculous, and I want my account re-opened immediately.
|
| 10/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I opened an account in CitiBank in XXXX. Since then, I have operated with them without any overdrafts, returned checks or any other irregularity.
In the first week of XX/XX/XXXX, I started to receive letters from Citi requesting personal information. I provided information that by then they should have had in their records. I called the number provided several times and answered all of the banks questions.
Later that month, my son visited and wanted to help resolve any questions. We went together to the branch where I have the account and talked to XXXX XXXX XXXX, Bank Manager ( XXXX ). She made a phone call and let us both know that everything was okay and to disregard future letters.
Regardless, the bank called and sent me letters requesting the same information. Around XX/XX/XXXX, I became worried and returned to the bank. I spoke with Account Representative XXXX XXXX ( XXXX ). She called and they told her not to worry- everything was okay.
In XX/XX/XXXX, I received a letter from my Insurance Company advising that the authorized monthly premium deduction from my account had been returned. I immediately called Customer Service and a representative told me that my account had been blocked ( no date ). After that, I started receiving complaints about checks returned resulting in significant fees.
I paid whatever I could that could be paid cash. On XX/XX/XXXX, I visited the Bank again. They confirmed my account was blocked and that my money was not available. XXXX XXXX tried to get the account unblocked and she got a promise that they would do it the next morning so that I could pay my XXXX XXXX and XXXX XXXX XXXX credit cards.
Next morning, I went to the Bank again. With XXXX XXXX help, they unblocked the account so that I could pay my utilities and credit cards and get some cash. I was informed that everything would be OK according to the KYC Department by the end of the week.
Beginning of following week, I started to receive letters and phone calls with complaints about authorized withdrawals not paid. Payments made over the Bank phone on time were not paid. I have date and confirmation number. Penalty plus interest starting to accumulate. Utilities, Security Services, charitable contributions- everything unpaid.
Last Monday ( XX/XX/XXXX ), the Bank Manager called me to let me know she had been on the phone for hours and finally solved my problem. She told me to expect a call by Tuesday XX/XX/XXXX with good news. The phone call never arrived.
By Friday I was again at the Bank asking for an answer. No end in sight.
On XX/XX/XXXX, my account is still blocked, and I am living off whatever I can manage from cash savings and help from my son. I have gone several times to the Bank and everybody is polite, but they can not do anything. During my visits, I hear many senior citizens in similar distress with many unresolved complaints. Whats going on here?
I have direct deposit for my retirement check, and other benefits. The Bank has my money, but does not want to release it to me. I do not have money to take them to court, but it is what they deserve given that their central headquarters, wherever they are, hiding and using my money.
At this point, my life is a mess given what Citi Account Manager ( XXXX XXXX XXXX : XXXX ) whom I saw yesterday reported from KYC : Apparently, the analyst has not been at work for some time and apparently Citi Corp does not care. He might come back during the weekend, but thats not certain.
By the way, nobody can give a cause for the current blockage of my account. My good credit is destroyed, my utilities can be cut any moment, and I am under an extreme amount of stress. At the age of XXXX, I need help.
|
| 04/11/2017 |
Yes |
|
|
|
Web |
|
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I entered into a credit card dispute process for the amount of {$1400.00} regarding an item I ordered with my Citicard. I did not get the item I ordered ( I ordered a custom-built wood crate but received boxes ). The Citicard Dispute Process was not followed ( displayed on pg 5, 6 & 11 in attached PDF ). Because the process was not followed, the Merchant was awarded a victory. ( NOTE : For character-count purposes, I may abbreviate Citicard as Citi and Merchant as Merch ). See outline of issue below : CITICARD DISPUTE PROCESS STEPS : A. Presentment B. Chargeback ( chargeback steps 1-5 below ) 1. Merch disputes chargeback 2. Merch provides doc to support ( submitted on 90th day, XX/XX/XXXX ) 3. CARDHOLDER HAS THE OPPORTUNITY TO DISPUTE ( I was never allowed this chance ) 4. Account could be re-billed ( See Citi Representment Doc. XX/XX/2016 page 11 of attached PDF ) 5. Once re-billed = dispute resolved C. Second Presentment D. Arbitration TIMELINE : Submit my dispute Merch notified and granted 90 days to respond Merch responds on day 90 at XXXX ( with falsehoods and irrelevant information about insurance ) 2 days later, dispute is ruled in Merch favor AND funds are returned to Merch ( thus forfeiting any recourse Citi had ) and completely skipping my ( cardholder ) opportunity to dispute the Merch documentation ( step B3. above ).
3 days after ruling in Merchant 's favor, a letter with Merch response/doc is drafted to me 5 days after the letter was drafted, it is mailed 14 days after being mailed, I received it 1 day after receiving a copy of Merch response, I submit my response ( " Cardholder Opportunity To Dispute '' ) with INDISPUTABLE PROOF of what I ordered AND that I did not receive what I ordered ( copy available upon request ) Finally, I am told that because the Merch was granted their funds back that Citi no longer has recourse in the matter and the Merch refuses to refund my money.
Now the excuses start about insurance, that the Merch is willing to work with me, waiting to hear from me, etc. - none of which is true and displayed earlier in my multiple letters to Citi ( copies available upon request ) Each time I question why I did n't get full process, I get stonewalled Send Certified Letter to Citi Legal ( see attached PDF pg 1-16 ) Customer Service responds and does n't address the process - only calls the Merchant for discussion, not me ( the cardholder ) their customer Letter is sent to me ( see attached PDF pg 18 ) the letter never addresses my complaint I continually call to discuss the issue of PROCESS but am stonewalled ( as you can see from call logs in attached PDF pg 19-20 ).
SUMMARY : Step B3 ( which is the step that protects the cardholder ) was completely skipped over and Step B4 was executed.
Why did the Merchant get the last word before ruling in their favor and WHY did n't I get the chance to prove what he said is false AND to prove that I did n't get what I ordered? Having insurance on an order does n't mean the Merchant built the custom crate I ordered. Boxes are not crates - period.
CONCLUSION : win or lose, the PROCESS was not followed and I ( the cardholder ) did not get to exercise my right to second presentment before the dispute was ruled in the Merchant 's favor. Equal opportunity to present all evidence was not exercised when the Merchant was awarded a victory prior to my ability to respond ( step B3 ). I should have had the opportunity for full process and therefore should be awarded.
I welcome any request for additional information or questions you may have or clarification you may need regarding this issue and can be contacted via the information provided in the " My Information '' section of this submission.
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| 10/04/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I have been with citi Bank for over 10 years I believe. I have not had any issues up until thr pandemic began. When I called in to seek information from a representative I was shocked that call center workers were working at home. Given the high security issues hearing chickens and roosters in the background kids screaming or playing or other people 's conversations meant my information and account Information was not secure. I was sympathetic don't get me wrong the pandemic made some drastic life challenges but I was shocked bank representatives had access to millions of customers private information with no one overseeing what those people were doing. I also ran into issues with my bank account always being overdrawn couldn't understand why I called multiple times as the balance showed I had funds yet the bank would say I didn't send the item back only to see the next day I did in fact have the money. But now I had to pay a late fee for the bank and a fee for the merchant. I would get my money back from the bank but not thr merchant. Now after complaining multiple times this happend a few months in a row thr bank annoyed no more bank fees for overdrafts yet today I look at my account and the balances are all over the place. The accuracy is wrong and they sent back an item when that should have cleared. I will give you an example of what I mean bill paid for XXXX balance showing XXXX transfer made of XXXX balance now showing XXXX next transaction XXXX transfer balance XXXX next transaction deposit XXXX balance now showing XXXX next transaction transfer XXXX balance now XXXX next transaction deposit XXXX balance XXXX that is just a small glimpse of what unreliable improper accounting is going on. The balances do not match thr transactions they do not credit thr account properly and appear to make it seem like I owe more when I don't and do not allow me access to what I should have let me show you some more transactions so you really understand a bit more prior to thr above transactions we have a transaction of XXXX with a balance of XXXX another transaction right after that one for XXXX with a balance now of XXXX next transaction XXXX with a new balance of XXXX another transaction of XXXX with a new balance of XXXX and other transaction of XXXX with a new balance of XXXX another transaction of XXXX with a new balance of XXXX I hope your catching XXXX pattern here and seeing how wrong this is. Another transaction of XXXX and a final new balance of XXXX! So how can you explain this everything a transaction happend here the balance went UP not down. Than the first balance the transactions took away but took away what thr actul deposit was so I got a XXXX deposit it TOOL AWAY XXXX it didn't credit the amount. Yet on thr second set of transactions is gave me credit for what should have been a decrease in my balance. This is my life my only source for funding my family. This improper banking is causing hardship disruption and undue stress I can't seem to keep my finances in order and it's not MY FAULT ITS THE BANKS. And they are aware of this yet fail to fix it. I'm asking this to be fixed immediately XXXX have lots of printed documents showing other charges even got an email showing I was negative and they dent back payments yet when I called the reps said I wasn't negative yet they sent back merchant transactions after that call I got thr letter they no longer are charging fees for overdrafts which tells me citi knows they have a problem but instead of fixing it they stop charging people improper fees so we can't sue them. But they have ignored the problem. And it needs to be fixed immediately again I have more docs I just can't upload them all on this email
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| 09/18/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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Costco Citi Visa Credit card -Trip Cancellation/Interruption Insurance coverage, as outlined XXXX in booklet " Your Guide to Protection Benefits '', sent to us with our new CitiCostcoVisa cards. The week before departure, I verified XXXX x by phone that the Travel Protection Benefit would cover the trip. Our applications for travel visas to go to XXXX XXXX Planned Trip dates : XXXX XXXX XXXX, 2016.
XXXX TravelPartyMembers all covered, designated as TPM # XXXX, # XXXX, etc XXXX CLAIMS = XXXX. Nonstop flight XXXX to XXXX, XXXX ; airline sent luggage to XXXX.
XXXX flight XXXX, ( XXXX ) cancelled, due to weather.
XXXX.Passport stolen by a fraudulent taxi driver, causing consequences for Travel Party Member , XXXX, XXXX XXXX, which added days to passport replacement procedures.
I called CostcoCitiVisa cust svc 4 times, regarding coverage for XXXX trip. XXXX XXXX XXXX, 2016 to find out if trip insurance would accompany the flight & hotel reservations that I charged XXXX on XXXX. I asked if the trip would be covered by CostcoCitiVisa since it was purchased on XXXX, and the Costco account was switched from XXXX to CitiVisa on XXXX the answer was 'Yes, all Costco purchases prior to XXXX are turned over to CostcoCitiVisa, so it will be in effect '. To make absolutely sure, I reiterated the dates reservations were purchased and dates trip will occur after XXXX is no longer partnered. Again I was assured that 'Absloutely, the insurance offered with CostcoCitiVisa will cover it '. I would have purchased other trip insurance if their answer had been 'no '. On the subsequent 3 calls to CostcoCiti Customer service, XXXX, after XXXX # XXXX and # XXXX were back home, the coverage was denied. So I called XXXX : said they no longer have access to my account. I paid the charges on XXXX to COSTCO CITI VISA.
CLAIM # XXXX XXXX : XXXX settled baggage claim incurred since bags sent XXXX. Total {$92.00}.
CLAIM # XXXX. Cancellation of the connecting flight to destination ( = XXXX, XXXX ), due to " weather ''. Not getting to XXXX resulted in a cascading series of travel rearrangements, extra expenses = a. XXXX had already charged the XXXX XXXX hotel cost for XXXX night in XXXX that was impossible to cancel due to our not-knowing of the late flight cancellation ; XXXX XXXX cost for TPM # XXXX, who had gone to XXXX to meet up with us.
c. The cascade effect of lost day meant travel member TMB # XXXX had gone to our next stop where we were going to meet her, cost for extra night at hotel.
d. TPM # XXXX was able to rearrange his meeting day = {$0.00}.
The interruption made us lose 2 days of travel/sight-seeing, missing pre-arranged appointment with a XXXX city official, cutting out our visit to XXXX completely.
CLAIM # XXXX ; Flew from XXXX to XXXX, where we unknowingly took an illegal taxi, despite Security watching the taxi service. Police informed us the taxi charged us 3 times the normal fee. The passport of Travel Party Member # XXXX was lost in the shuffle- not recoverable by police since that taxi was an uncertified, " illegal '' taxi. Trip interruption due to this theft resulted in transport charges to/from police station, XXXX XXXX XXXX to replace passport & visa, and later to apply/get replacement passport/visa. We lost XXXX day, with police reporting + XXXX day at the XXXX. The theft caused XXXX # XXXX to have to return to USEmbassy to finish the process later.
Travel Party Mbr # XXXX departed XXXX XXXX ; # XXXX departed XXXX ; # XXXX & # XXXX departed XXXX XXXX ; # XXXX had to continue his trip many days due to trip interruption consequences, requiring him to return to XXXX XXXX ( XXXX, XXXX, since closer than XXXX, r, less expensive trip to make ~2weeks later )
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| 02/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Older American |
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This complaint is for Citibank and affiliated with its Sears Mastercard. This is the most difficult time of my life : I am old, with many serious health problems, alone, without money and on fixed income.
I needed money for myself and my family. Old people and sick people are inclined to believe that there are also people in our society that are ready to help. And very soon, in XX/XX/XXXX, a person who was taking care of the less fortunate, appeared and offered me financial help - a big winning check from XXXX XXXX XXXXXXXX that could solve my problems. But there was a catch : I have to pay a certain amount of money to get the check delivered. The check was going to be delivered at the beginning of XXXX, then, the end of XXXX, end of XXXX and finally it was never delivered. However, the requirement for the money I had to provide never ended. First, this individual used up the money in my Bank account, when it finished, I had to take a {$25000.00} loan from Citibank and send it to him. Then he said he has " opened an account in my name in XXXX XXXXXXXX XXXX '' ( Routing number XXXX, Account number : XXXX, XXXX, Iowa, XXXX ) with {$40000.00}, so that I can start paying the credit card debts. I used efficiently the money to pay partially the credit cards. However, the same day, on XX/XX/XXXX, the checks were returned, because the bank declined the transactions. When the credit cards were blocked by the bank, he started squeezing all my savings accounts. To all my complaints, the answer was that if I did not agree, he was going to donate the check to charity. After 6 months I was a sick, old and poor woman. Then, I had to withdraw my money outside Citibank : my savings and IRA accounts. Because this was not enough, he took my credit cards and charged them to the top to make " more money ''. I insisted that he had to pay his debt and return immediately the cards but he didn't return them, nor he paid what he had bought, as he promised. The charges were done in XXXX, with XXXX currency and had a certain profile - building material. The person who bought the building material was using hotels, restaurants and bars in XXXX. Because the cards remained with him for more than 6 months and I did not have anything to do with his purchases ( they were done behind my back ), my interpretation is that the card was stolen and used for fraudulent activity, something Citibank didn't recognize.
The system of Citibank is good to serve the bank but not its customers. When my money finished, Citibank closed my account without any warning on XX/XX/XXXX and almost immediately after that my on-line access. My accounts were paperless and as a result of this all needed for me information seized : activity in checking and other accounts. I was completely helpless. For a month I was calling all possible telephones of Citibank to clarify the situation but I was being transferred from one telephone to another, to a third and so on until my conversation was discontinued. I wrote a letter to Citibank on XXXX to explain the situation. No answer. Finally, due to two exceptionally kind people I collected the necessary statements but understood pretty soon that Citibank has ordered collection of debt on my loans and credit cards. This was the last thing I expected from Citibank. My telephone started ringing 10 times a day for collection of debt. The creditors wanted to collect the money ( plus penalties and interest ) in two billing cycles. No question whether I could or not. I wrote a letter to Sears Master card ( Attachment 1, 2 and 3 ), no answer.
Citi Sears Mastercard, billing period ending XX/XX/XXXX, has currently balance of {$11000.00} ; increment from the previous month {$280.00}
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| 10/08/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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Cardholder 20 yearsTimeline of events : XXXX years old.applied for my first credit car .this card Utilized card to establish credit for my future endeavors Personal history..paid for my college in CASH! XXXX XXXX and XXXX XXXX Worked XXXX jobs to make happen.
Bought house when XXXX yrs old Bought a XXXX at age XXXX with a XXXX govt loan EXCELLENT CREDIT Married ... what I now know ... a thief Had XXXX children, with the thief/con-artist He began forging my name on convenience checks he stole out of mailbox unbeknownst to me and stealing my credit cards and using them for his own personal business which was failing I realized I needed to get out, sought an attorney, devised a plan which took years to finalize in court.
Divorce attorney advised me to wait till divorce was final to pursue legal action but keep a VERY GOOD PAPER TRAIL I continued to pay all forgeries and cards he ran up to protect my personal and business credit score He stopped paying child support once I sold my house in XX/XX/XXXX and informed him he was NOT coming with us I was forced to stop paying these debts he ran up because I could no longer sustain the debt and keep food on the table and shoes on my kids feet, I tried but could n't keep up with the bills My XXXX young kids and I stayed at my parents ' house while I secured a home for us to live in Because of my terrible credit it took 5 months for me to search for a bank who would take my loan, only way a company would finance the house was to clean up my credit so I was forced to pay THIS CITIBANK BILL OUT OF COLLECTIONS IN ORDER TO GET THE LOAN ( XX/XX/XXXX ) I requested for all Citibank bills be mailed to me so I could start my efforts of recovery while going thru a 3 year long custody/divorce case If you notice I had a XXXX for over 5 years once I discovered activity so he was not able to steal anymore ... I kept it at new home out of fear for a bit longer This man knows, my social, mothers ' maiden name , street I grew up on, city I was born in, and anything he would need to steal my identity By now I WAS HIGHLY XXXX Trying to run a business, care for my children, household and the like while fighting for your life is not an easy task, hence this lengthy process I eventually opened all of those previous bills and made an effort to move forward I tried to go thru your fraud department but they dismissed my case without asking further questions ... this is a crime in itself I am requesting you take my case seriously ; I am a TRUE VICTIM OF financial abuse AND YOU HAVE TO TAKE ME SERIOUSLY. I WILL NOT STOP UNTIL JUSTICE IS SERVED Ytd ... my crusade to restore my credit and receive total refunds for all monies XXXX XXXX stole from me and their fee 's etc. involved in these transactions and to restore my credit to its rightful number/statusNOTES : There is a copy of an email from my divorce attorney which mentions my plan to go after him for fraud. This plan took years to execute because of the lengthy legal process and my inability to afford an attorney at the time.
There is a copy of one of my many credit reviews which show proof, I was forced to pay citi out of collections to secure the loan.
Included is my moving storage unit to show this story is not made upAlso included are invoices in which XXXX XXXX used my NAME and card for his business without permissionA copy of my divorce decree in XXXX XXXXI met with a credit counselor in XXXX of this year ( XX/XX/XXXX ) to help this crusade, she and my attorney advised me to resolve issue myself first before pursuing legal actiondefinition financial abuse ... .Making person financially dependent..Overuse of your credit cards or refuse to pay the bills ( thus ruining your credit )
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| 10/18/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
Older American |
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1 ) I dispute any authorization to make XXXX these charges ; and 2 ) Citi 's " investigation '' and closure of this action.
On XXXX XXXX XXXX I ordered a 14 day trial of " XXXX XXXX XXXX '' from XXXX. There was no address ( other than the internet location identified as - " XXXXXXXXXXXX '' ). The address given was " XXXX '' which appears on the Citicard billing for account ending XXXX.
On XXXX XXXX, XXXX a USPS shipping label was created and indicated it came from XXXX XXXX CA XXXX. The only address appeared to be XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX.
The best evidence indicated the address of XXXX XXXX XXXX is that it may be XXXX XXXX XXXX ( aka XXXX ) in XXXX XXXX. They may also go by the domain address : " XXXX. '' Citicorp 's investigation ( # XXXX ), other than duplicate charges, indicates that certain documents were submitted by XXXX XXXX XXXX as evidence. They described the transaction : XXXX XXXX XXXX XXXX advertisement, identified as XXXX. This is disclaimer purports to set out the terms and conditions for orders from support " at XXXX, of XXXX, XXXX '' " XXXX '' was never ordered, nor received, and has no involvement in the matter. Yet Citicorp evidently did not read the correspondence and has honored XXXX 's ( not XXXX XXXX ) transmission, closed their file, and tell me that I must contact the merchant directly " or use any other means available to ( me ). '' As further evidence the letter accepted by Citicorp identifies the product as " XXXX XXXX, '' and not the XXXX XXXX XXXX.
Then, in the body of that letter ( paragraph XXXX ) it states that : " j.j. clicked to accept the terms and conditions ... '' There simply is NO checking or other indication of acceptance because there was nothing to be clicked. They did not include any such " checking '' to prove their point. And XXXX XXXX was not part of any 14-day trial. And Citicorp just accepted their assertion that it had been done.
In e-mails to this complainant XXXX XXXX XXXX did state that a cancellation was received and honored, and that data had been transmitted - but ignored by - Citicorps.
I have a copy of the actual confirmation of the so-called order that purports to indicate that complainant had automatically submitted to the additional terms. It does not.
Please note the date that order was sent, and in particular when it was addressed. They, without any prior authorization, had sent the message on XXXX XXXX, yet the invoice was dated XXXX XXXX. Even if the 14 day period could be reduced to a ten day period the desire to XXXX around with the customer is so driven that they did it in 13 days.
Even in " ordering '' these people could not meet the dates set. For example, the " product '' on this Order numbered : XXXX was not sent until long after it should have been replaced on XXXX XXXX, XXXX, and it was received on XXXX XXXX, XXXX ( USPS Tracking : eVS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
In any event, because there was no confirmation that the terms and conditions were ever in evidence, let alone was signed, checked or clicked for, these things are only fluff in order that customers can be seduced into withholding their apparent distaste for being scammed.
Not only is this product a product of scamming but the Customer Service Team XXXX Citicorp is derilict in that they employ persons that otherwise can not read and understand simple XXXX. Or, it may be that they too are fraudulent!
And what really ticks me off is that Citicorp 's Customer Service Team states that it is my responsibility to understand the terms and conditions ; but even more-so, it is the Citicorp 's gratuitous statement that I had agreed to those terms and conditions.
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| 06/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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" We have had an extremely difficult time with our mortgage company, CitiMortgage. They have given us the runaround, they have violated our consumer rights and they have engaged in illegal activities that may result in the wrongful foreclosure of our home. We are very concerned that CitiMortgage is intentionally trying to force me to give up so they can foreclose on my home of XXXX years. We have been in foreclosure for over XXXX years. CitiMortgage has cost me over {$5000.00} in Lawyer 's fees which part of that {$5000.00} included my vehicle title being put up as collateral, and us having to pay {$210.00} on a monthly basis to keep from losing it, and another title loan on my other vehicle of {$250.00} a month adding to my monthly expense 's along with my regular monthly expenses. Just so happens both of these extra expenses included in our budget also happens to be the dollar amount CitiMortgage claims is the amount which disqualifies us from getting a modification on our home. We have been doing everything in our power to make this right with our lender, but they are just unwilling to work with us. So we are requesting a review into CitiMortgage 's questionable tactics as listed below : Real Estate Settlement Procedures Act ( RESPA ) Regulation X Violation DCitiMortgage has violated the Mortgage Servicing Rule 12 C.F.R. pt.
1024.41 subpart c. CitiMortgage failed to comply with Loss Mitigation Procedures. CitiMortgage exceeded the XXXX day time line to review my complete application. In fact, the constant mishandling of our account perpetuated CitiMortgage 's excessive delays. While continuously requesting us to send them the same documents over and over again claiming they did n't receive them. Even after being denied we still received letters requesting some of the same documents we already sent during the modification process. They clearly do not have their priorities in order to control their business, so how can I trust them to have their priorities in order to properly handle my modification. CitiMortgage wrongfully denied me due to insufficient income.
RESPA 12 CFR Chapter X Part 1024.41- Dual Tracking 1024.41 ( g ) the servicer is restricted from moving " forward with foreclosure while simultaneously working with the borrower to avoid foreclosure ''. CitiMortgage has blatantly engaged in dual tracking. In XXXX of2010, we received a foreclosure notice from CitiMortgage. This caught us by surprise, because we were previously in review for a loan modification. I called CitiMortgage to get to the bottom of this and they confirmed that ourAccount was still active and under review for a loan modification. Why was CitiMortgage moving forward with the foreclosure?
CitiMortgage has repeatedly violated Section 5 of the FTC act - prohibits " unfair or deceptive acts or practices in or affecting commerce '' -Cause or is likely to cause substantial injury to consumers- Can not be reasonably avoided by consumersI am now concerned that CitiMortgage has prepared and executed false and misleading documents with the courts and government agencies as part of the foreclosure process. I am requesting a copy of all documentation associated to the processing of the foreclosure of our home.
CitiMortgage 's failure as a servicer is absolutely egregious and it has caused great harm and injury to my family and me. CitiMortgage 's illegal practice is putting my family at risk of becoming homeless, due to no fault of our own. We want to refer our complaint to the Consumer Financial ProtectionBureau, The Federal Trade Commission, the Office of the Comptroller of the Currency and the Department of Justice to issue a ruling on CitiMortgage 's continued violation. ''
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| 07/09/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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The History : Back on XX/XX/XXXX, someone fraudulently charged my Office Depot credit card. Not having used it for a year, I was unaware of it until I suddenly got an email with a bill due alert. As soon as I got the alert I logged into my account and found three fraudulent charges, most were for {$200.00} gift cards.
I contacted Office Depot and had spoken to the fraud department, but they did nothing. I repeatedly tried to contact them. I also filed an online police report with the city where the bill showed the store where it had been charged, and even talked to the detective.
Office Depot closed the old card and issued a new one, but It turned out they simply transferred the fraudulent balance from the old card to the new card.
Over this time trying to get it all resolved, my account kept showing a balance of {$660.00}, only now it started going up, due to accruing interest and finance charges. I very was scared it would get turned over to collections! ( My only fault was I didn't check my card account balance, because I hadn't used it in a year! ) Some months later, I finally got a correct phone number for someone in Office Depot 's fraud division who said the case had been closed, and they reopened it. Still, the ever-increasing balance remained.
They closed the new card and transferred the balance to the old card ( XXXX ) that is still showing in my name.
I tried contacting various people within Office Depot, consumer advocates, and Citibank, and one person suggested I contact the FTC, but the link was actually for the Consumer Financial Protection Bureau, so I opened a case.
After that, Office Depot issued a letter addressing my complaint, concerning the fraudulent charges on my account. See the case number below. It should not be closed, as they have not done what the letter said they would do.
CPFB Case # XXXX, Citi Reference Number : XXXX Although the letter they sent addressed the issue ( which I see at the top of their letter concerns card number XXXX which had been closed ), they still have not taken the actions they claimed that they would as far as card XXXX which is showing up in the account as being current. I was waiting for the next billing period, in which they said the amount would be set to XXXX due to the credit. Quite the contrary, the new ( " subsequent '' ) billing period just started today, and the same old charges are still showing up saying that I owe a minimum balance of {$56.00} and a total balance of {$660.00}. ( See screenshot. ) The Office Depot Credit Card account was still not credited for the fraudulently charged card 's balance to be reset to zero as promised!
They limited the access to my online account XXXX, so I can not even download or view a copy of the XX/XX/2020 pdf statement showing the details. ( I can not log into the XXXX account at all. ) I had requested my cards be closed, but I will not feel at ease until I no longer have any balance showing, just like they promised! This issue is not resolved, and the case should not have been closed!
Attached are : 1 ) Office Depot 's XX/XX/XXXX letter saying the issue has been resolved in my favor and a credit was to be issued to the account with the amount being set to zero in the subsequent billing.
2 ) A screenshot of my account today ( XX/XX/XXXX which is now the subsequent billing period ) with the balance showing on the page as the same old {$660.00} amount, but the billing and statement dates are newly updated.
I won't rest until they do what they promised and credit my account to reset my balance to XX/XX/XXXX, and I want to see the actual proof of it.
Only once that is achieved, I want my Office Depot Card accounts completely closed.
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| 11/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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On XX/XX/XXXX my daughter requested a refund of {$2300.00} from XXXX for a product that was paid for over a year ago using an XXXX XXXX, a card that had the balance paid off. XXXX refunded money to XXXX XXXX, but since it was through a XXXX membership, money was forwarded to CitiBank, which is the new bank XXXX is is using. I waited until XX/XX/XXXX to call CitiBank because XXXX said it might take 3-5 days to process. On XX/XX/XXXX, CitiBank stated that they has received the money from XXXX, but that I could not get refund because money would be used to pay part of my balance. I explained that this was not my wish and needed a check for the refund to purchase another item. They said this was their policy and the only way to get a refund was if I had a credit balance, which I did not. I told them that money was mine since I had not used my CitiBank card to pay for the initial item that was refunded. The only reason Citibank even got the refund was because they were now the bank that worked with XXXX instead of XXXX XXXX. Getting nowhere, I requested a manager, who again stuck to the script that this was their policy and I could not get refund. I asked for yet a higher level administrator, who also said nothing more than this was their policy. On XX/XX/XXXX I called again to try and resolve this issue. The customer service rep, XXXX, put me on hold and talked to a higher lever administrator and both returned to the phone. I was then told that they could not write a check, but that they could send the refund to my bank account. They had me verify my account number and said it would take 3-5 days for the process, but I should see money in my account by then. I was elated that they had been so helpful and stated this. On same day, I received an email stating request for refund had been made. On XX/XX/XXXX I once again called CitiBank since I did not see money in my account and wanted to follow up. I was told that request had been denied. I asked why, and they gave me the previous response, that it was their policy not to give me a refund, and that I should not have been told otherwise. They said if the vendor undid the initial refund I could get possibly get the money from them. I asked if this was something that had been done before, but they did n't know and said it was up to me to try. I again spoke to a manager and an administrator. I explained that they were making the decision of how to use my money without my consent. I continued that it was never their money to begin with, and that the records show I have never beendelinquent and my balances had always been paid off. When I got nowhere, I asked for a higher level person and was told there were none. I asked for a corporate number and was told there was not one, but that I could write to them. I took the address down, but then went online to find that there actually is a corporate number. I called, but the recording said to call back since everyone was in a corporate meeting. On XX/XX/XXXX my daughter called corporate and spoke to XXXX, who repeated their policy. When my daughter explained how it was not their money to do as they wish, she responded with " I guess we 'll just have to agree to disagree ''. On XX/XX/XXXX I emailed XXXX hoping they could undo the refund, but on XX/XX/XXXX they responded saying the refund had already gone through so they could not help me. Citibank has a rating of half a star out of five and rightfully so. After reading the numerous customer complaints, it is clear that they are not about working with the customer and often make the decision of how customer 's money is handled for them. I hope that submitting this claim will help me get the refund that belongs to me.
|
| 11/02/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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Home Depot and CitiBank refused to increase my credit limit. They both compelled me to disclose my social security number which allowed me to access my own credit yet they continue to refuse me an increase. The definition of credit card in the XXXX XXXX XXXXXXXX XXXX is ANY CARD, plate. COUPON book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This shows that my social security card is a credit card and Home Depot and CitiBank accessed that account. Home Depot and CitiBank refusing me to increase my own credit is an adverse action according to the Fair Credit Reporting Act in 15 USC 1681a ( 1 ) ( A ) ( iv ) ( II ) which says adverse action means an action that is adverse to the interest of the consumer. I received a letter from Home Depot claiming they made the adverse decision because my consumer report with XXXX has a freeze. When I requested the credit limit increase, it was not disclosed to me that they would check my consumer reports. I did not consent for them to do so. I have an outstanding history with Home Depot and CitiBank as far as making my payments on time and paying off my balances. Home Depot and CitiBank could have based their determination off that outstanding history alone. The fact that they compelled me to disclose my social security to allow me to access my own credit is enough to allow me to determine what my needs are. It is not Law that corporations must be allowed to view my reports. It is law however that they request permission to do so. Not only is Home Depot and CitiBank viewing what should be my private transactions, Home Depot and CitiBank are making reports to consumer reporting agencies without my consent nor authority to do so. This is a violation of the Fair Credit Reporting Act and the XXXX XXXX XXXX in 15 USC 6802Act. While Consumer reporting agencies have assumed the role of assembling and evaluating consumer credit and other information, I did not consent to any of it. My private transactions should remain private. They have violated my right to privacy. This can not be undone. Home Depot and Citibank have made negative remarks to consumer reporting agencies which have caused me adverse actions in other areas of my private life. The Fair Credit Reporting Act was created to protect me and assure consumer reporting agencies meet the needs of consumers in a fair and equitable to the consumer. Their actions have been fair nor equitable to me. I am a victim of identity theft which is why I placed the freeze on my reports. Per 15 USC 1681g ( a ) I need to request my complete file as defined in the Fair Credit Reporting Act in 15 USC 1681a ( g ) the term file when used in connection with information on any consumer, means ALL of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. I need al this information to verify accuracy of information in the records in my file and accounts. 12 cfr 1002.2 says an open ended credit means credit extended under a plan in which a creditor may permit an applicant to make purchases or obtain loans either directly from the creditor or indirectly by use of credit card. This further shows that my social security is the consideration to my accounts. 16 cfr says creditor is a person who in the ordinary course of business, lends purchase money or finances the sale of goods or services on a deferred payment basis, provided such person is not acting for the purposes of particular transaction, in the capacity of credit card issuer. This further shows it is not CitiBank who provided to credit since this code says the credit card issuer isnt the creditor.
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| 01/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
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Over two weeks ago I called Citicard to have an authorized user removed from my account, as they were supposed to have done months before. They seem to have sold my authorized user 's name with my address to mailing lists. I started receiving numerous adds and junk mail in his formal name, which he almost never uses, at MY address, where there is no connection except through Citicard. This indicated that they violated our privacy. The agent with whom I spoke denied that Citi had sold our information to a mailing list, but it was obvious that she was lying, because there was no other way the junk mail could have come to my house with the other name on it.
Several days later, I attempted to purchase gasoline with my Citicard, but the transaction was declined. I called Citi and got a rude, useless agent who didn't help at all. I had cars in line behind me honking and screaming because my car was blocking the lane, and it was an extremely stressful situation. I had a XXXX XXXX in my car, and she had to listen to my argument with the useless agent on the phone because my transaction was denied and the agent wasn't helping. I asked for a supervisor to call me back, which of course, Citi couldn't be bothered to do.
The agent on the phone said that my card account had been closed due to my requesting that this be done! I did not only NOT request that Citi close the account, I insisted that they do NOT do that because it caused so many problems each time they did that in the past. Citi has closed my account and reissued a card more times than I can keep track of. And each time I get fines, fees, problems due to auto payments being blocked and other problems. This time my car insurance, my professional insurance, my internet and other transactions were blocked causing cancellations of my policies due to Citi 's lack of professional responsibility.
About a week later, I received a letter stating that my new PIN number was enclosed. I never received a new card! I had to use other credit cards, which is a hassle because it means having to keep track of numerous billing dates. I called Citi and they gave me a list of excuses for why I got the PIN letter but not the card. Each time I looked online, it said " processing '' but not " sent. '' After yet another cancellation notice due to my card being cancelled and not replaced for over 2 weeks, I called Citi AGAIN. I was on hold for about 40 minutes waiting for a live agent and then on hold with an agent who couldn't give me any useful information. He kept changing what was said. I asked for overnight mailing of the new card, and compensation for being on the phone at that point for 52 minutes, in addition to all of the other times I had to call but got nowhere. I have a phone record for at least 6 instances of my calling Citi about this matter since XX/XX/XXXX. This agent said a supervisor would call me back within 24 hours. Citi has never once honored their promise of a callback.
I think there is something suspicious happening at Citi. They constantly claim violation of the accounts, state they are closing and reopening accounts, send the new card to the wrong address, but then won't tell me to what address they sent it, despite their violating my privacy and putting me at high risk for identity theft or misuse of my credit card. I think Citi should be investigated and made to improve their security and customer service.
I want compensation for all of this wasted time and aggravation and embarrassment. I would appreciate your assistance. I think Citi tries to get away with improper behavior because they are such a large corporation, they seem to believe they can take advantage of individual customers.
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| 12/14/2016 |
Yes |
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Web |
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XX/XX/XXXX - XX/XX/XXXX there was fraudulent activity on my Best Buy credit account. XX/XX/XXXX I filed a police report, notified Best Buy of the specific fraudulent charges and asked Best Buy to close their credit card. The card was closed, my credit balance was set to {$0.00} and the resulting investigation deemed fraud had occurred. My credit reports ( XXXX, XXXX, XXXX ) have reported the account closure and balance accurately since then.
XX/XX/XXXX ( over a year later ), I applied for a new Best Buy credit. I was declined a new card, and received a letter dated XX/XX/XXXX stating, " ... we were unable to approve your application ... for the following reasons : Recent credit performance on your existing account. '' I called the Best Buy New Accounts department, who informed me my account was flagged as not being in good standing and there was no indication it was closed due to fraud. I then had a series of phone calls over the next few weeks with the Best Buy Security Operations and Best Buy Fraud department to explain the situation many times - my credit was perfect, and fraud had occurred. Around XX/XX/XXXX I finally reached a nice gentleman over the phone in the Security Operations team named XXXX who assured me he understood the mistake which occurred and would clear up the matter. He said the correct information about fraud, which was noted on my account, would be conveyed to the new accounts department and I would be issued a new Best Buy credit card by XX/XX/XXXX or so.
While eagerly awaiting my new credit card, on Friday, XX/XX/XXXX I instead received a letter from Best Buy Security Operations dated XX/XX/XXXX which read, " We have completed our investigation regarding your claim of unauthorized use. Unfortunately, based on our review, we have determined that you are responsible for the charges in question ... You did not identify disputed charges. '' I had never requested another investigation into the charges on my credit card from XX/XX/XXXX. I had asked Best Buy to investigate the lack of accurate information shared across departments. But instead the Fraud department had " re-investigated '' the fraud allegations from XX/XX/XXXX. In fact, this re-investigation never occurred, at least not with my involvement. I was never contacted about the charges on the card from XX/XX/XXXX. Someone simply decided to label the charges as not fraudulent. I called Best Buy that same Friday and found that, although my credit card was still closed, it now had a balance of over {$3600.00} on it ( all the fraudulent charges from XX/XX/XXXX ). The lady on the phone asked if I wanted yet another investigation, which would temporarily set my balance to zero. I said yes. And my balance is now XXXX. But how long will this last? Until the " investigation '' finds no fraud occurred again?
On Tuesday, XX/XX/XXXX I called Security Operations again, and I was transferred to XXXX on the Fraud team. XXXX said this was a Security Operations issue, not a Fraud issue. Wary of being bounced back and forth like a basketball, I asked her to look at all the notes on the account. She said she had never seen anything like it before. There were notes stating there was fraud determined last year after the initial investigation in XX/XX/XXXX. And she said because I " launched '' another investigation this year, there were also notes stating there was no fraud found. XXXX said it was clearly marked as a fraud case in XX/XX/XXXX, and there was no indication of details about why the charges did not remain marked as fraud after the " investigation '' in XX/XX/XXXX.
I was a victim of fraud, plain and simple. Best Buy determined that to be the case decisively in XX/XX/XXXX.
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| 12/08/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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Our nightmare with the XXXX conversion from XXXX XXXX to Citi began in XXXX. We have an excellent credit rating and intend to keep it that way. In my XXXX statement ( originated from XXXX XXXX and transferred to Citi for payment ), I discovered a fraudulent charge of {$4100.00} against my son 's card from XXXX posted on XXXX XXXX, 2016 ( see attached ). My son did not authorize the charge. I did basic internet research and found the following ( screen shots attached ) : The type of business was identified as HealthcareHOSPITALS.
A XXXX search turned up XXXX a cruise ship conference booking service for credit union professionals located XXXX XXXX XXXX MO XXXX XXXX XXXX
A XXXX search turned up " No results found '' ( see attached ). This is a non-existent company.
I followed the Citi " Dispute this charge '' online process, which failed : The site came back with " that content you are looking for can not be found. '' My second attempt yielded a case number ( XXXX ). Then I clicked " View Disputes '' and got the message " ... there are no dispute cases available for this card number. I called " Customer Service, '' ( XXXX ). I spoke with XXXX in XXXX XXXX/XXXX/2016 - Who said he did not have the authority to record a dispute of the charge without canceling XXXX Citi card. Since the Citi card was my son 's only access to funds while away in college, and the fact that the XXXX XXXX card the charge was made against was already cancelled because of the XXXX conversion, I asked to speak to a supervisor.
Supervisor XXXX in Arizona who assured me that it went through and that it would take XXXX to five days to post : XXXX. She also said that late fees and interest have been suppressed pending posting and withdrawal of {$4100.00} charge. When I received my XXXX statement online it still showed the fraudulent charge with interest accrued with no recognition of the dispute. My account continues to show the unwarranted {$4100.00} fraudulent charge, including interest, now totaling {$5400.00}.
Since XXXX I have spent countless hours on the phone with Citi " Customer Service, '' " Fraud Department '' and " Security '' in multiple conversations, being transferred to different people in different states, at different phone numbers, with different stories, with countless false promises stating that the disputed status will be reflected on my statement, and that the fraud department will resolve the issue and update my account to delete the obviously fraudulent charge from my account and my excellent credit rating not be affected by this erroneous charge. None of these Citi employees have followed through with the commitments they made.
Instead, I and my family members have been receiving harassing, unfounded credit collection calls at all hours from the Citi Collections. When I described my experience I got apologetic responses and offers to be transferred to customer service. I finally demanded that any Citi contact only be made in writing. What I have received since is a " WE MAY HAVE A SOLUTION FOR YOU! '' letter from XXXX XXXX, Citi Vice President, advising that I set up a payment plan!
Since XXXX I have been lied to and badgered by Citi representatives. It is evident that Citi refuses to recognize a disputed charge that occurred on the XXXX card number. I venture to guess I am not the only XXXX customer who had high-dollar fraudulent charges in their XXXX statement that transferred to Citi who have been stonewalled and badgered when attempting to clear the fraudulent charges. This leads me to believe that Citi has no intention of deleting the fraudulent charge and accumulated interest without my taking further action. Citi 's behavior is reprehensible.
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| 09/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Around XX/XX/XXXX, I called CITI concerning fraudulent charges on my credit card. I believe the contact was initiated by a warning when I logged in online. I might have received a text as well. I called CITI on XX/XX/XXXX. I had a total of 3 calls to CIT on XX/XX/XXXX for a total of 39 minutes as they were having issues verifying my account. At that time, I let CITI know these were fraudulent charges and to turn the card off.
I have had over 20 phone conversations from XXXX today XXXX, with CITI about the fraudulent changes for more than 4 hours in total talk time. We have gone through the charges more than once. I spoke with CITI on the following dates XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. On some of the dates, there were multiple calls.
The fraudulent charges were made XXXX XX/XX/XXXX. There were pending charges after the 17th that never hit the account, as I had spoken to CITI. CITI recognized the fraudulent nature of the changes as they notified me once they started occurring. CITI should have turned the card off after I contacted them on XXXX.
I have asked CITI for a case number associated with the disputes, and they said each dispute was its own case. There are approximately 38 fraudulent transactions.
I received a notice from CITI around XX/XX/XXXX ( this is the date I retrieved from the mail ) saying that CITI had tried to reach me. They claimed that I did not contact them and were denying the dispute for that reason. When I called CITI, I was told a letter dated XX/XX/XXXX was mailed to me, but I have no record of receiving this document. When I called CITI on XX/XX/XXXX, I believe I spoke to the Dispute Investigation Department ( not sure of the actual name ) ; the representative was not able to see the times I had spoken to CITI prior, including the calls on XX/XX/XXXX for 24 mins, and XXXX for 17 mins. I have phone records of the calls, so I was very surprised that CITI claimed I had not responded.
On XX/XX/XXXX, I was unable to get a resolution, and the agent refused to allow me to speak to a supervisor. Eventually, the agent transferred me to the Fraud department, and I went through all of the charges again and was told that the disputes was reopened.
I called to follow up on XX/XX/XXXX and was told that the disputes were not reopened on XX/XX/XXXX. On the call on XX/XX/XXXX, I was told on the phone that they reopened the disputes, but I have not heard back and feel I am getting the runaround.
After over four hours on the phone, it feels like CITI is trying to make the process as difficult and time-consuming as possible. It seems my prior conversations are not noted by CITI representatives. Looking online, I see many other consumers making similar complaints about CITI and their process to dispute charges.
I filed an online Fraud/ID Theft report with the Colorado Bureau of Investigations this morning, XXXX. I have not yet received a case number.
I have had this card for over 30 years, and CITIs system recognized the fraudulent nature of the charges. I am unsure if my credit card info or an actual card was stolen. I requested a replacement card from CITI on XX/XX/XXXX. I could not find my card but did not think it was lost or stolen, so the number was not changed. I have possession of a card ending in XXXX and think there was more than one physical card ending in XXXX because of the replacement sent. I could not get the information about the replacement card from XX/XX/XXXX from CITI until a call today that lasted 39 minutes.
No consumer should have to go through this effort to dispute fraudulent charges. I did not make the disputed changes.
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| 04/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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Citibank sent me multiple letters and emails, told me that I was pre-selected for XXXX XXXX XXXXXXXX AAdvantage bonus mile after {$3000.00} purchases. On XX/XX/XXXX, I received this promotion email again, it comes with a non-transferable exclusive invitation number XXXX and an expiration date of XX/XX/XXXX, so I clicked the Apply Now button, and submitted my application on XX/XX/XXXX.
My application was not approved immediately, but approved on XX/XX/XXXX after the Citi customer rep called me and verified some information, and she congratulated me for XXXX bonus mile at the end of conversation.
After I received my new Citi AAdvantage card, I called Citi customer service again to check what is the deadline for me to be eligible for this XXXX bonus offer, since I need to make {$3000.00} within the first 3 month, and I was told the deadline is XX/XX/XXXX.
On XX/XX/XXXX statement, I noticed that I didnt get XXXX bonus miles, even though I have fulfilled all the requirements. So I called the Citi card service, and the customer rep told me that he didnt see the promotion code in my file. I provided him with the invitation number XXXX.
After a few days, I received a letter from Citi, this time it said I am not eligible for XXXX bonus offer. So I call Citi customer service again, try to figure out why. A gentleman told me that I am not eligible for this offer because they now have new 48 months rule instead of 24 months, and I received the similar XXXX bonus offer 40 months ago ( in XX/XX/XXXX ). I asked him why Citi didnt tell me this 48 month rule when I applied for this Citi AAdvantage card, he laughed at me ( I could tell even over the phone ) and told me that it is in the invitation email, it is my problem for not reading those terms carefully. So I read that invitation email thoroughly at least 2-3 times, finally found that 48 months rule in the middle of grayed fine print area. I asked him several questions : 1. Why XXXX bonus mile was on the top of the screen, with colorful big font size, and this new 48 months rule was put in the middle of nowhere fine print gray area?
2. Normal rule for new card promotion is 24 months for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Citi didnt let me know their rule is 48 months instead of 24 months, before and during my Citi card application process.
3. A common practice is, if I am not eligible for one promotion offer, I should be notified immediately with warnings like other banks do, before I submitting my application, so I can decide whether I still want to apply for that card. Citi didnt show any warning during my Citi card application process.
4. I believe Citi database should be very powerful, and be able to figure out which client is eligible for this XXXX bonus offer. My question is, if Citi knows I am not eligible for this promotion, then why Citi still repeatedly sent me pre-selected invitation letters and emails, and invited me to apply for this credit card with enlarged XXXX and other my personal info on the top of first page?
Since the gentlemen was not able to answer my question, he transferred me to his manager. His manager was much nicer. I told her, the most important thing between a bank/credit card company and its client is trust. Today Citi could mislead me on the promotion offer, tomorrow it could fool other customers on the interest rate, or even take away their money, with some hidden terms in fine print. It is definitely not acceptable. She apologized for the misleading invitation email, and offered me with XXXX points, and told me that that is the best she could do for me. I asked her what if I am not satisfied with this offer, she told me that I can file a complaint to CFPB.
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| 06/20/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I want to send a serious complain about the terrible & not trust worthy practice Citibank is doing for their CitiGold checking account. I got invitation to open a CitiGold Checking account to open a $ XXXX checking account for a XXXX XXXX XXXX miles promotion by meeting couple usage requirements, I got confirmation in XXXX XXXX that I met the CitiGold AA bonus miles promotion ( seen following email ). In XXXX XXXX, I got confirmation I did meet the usage requirement and I will get my XXXX XXXX miles by XXXX/XXXX/XXXX.
I never got a bonus XXXX miles and I queried CitiGold 10 days ago and they said they XXXX and ca n't award the XXXX miles.
I am request CFPB to step in to help me to resolve this False Citigold Checking promotion and get my XXXX miles credit ASAP.
Thanks so much to protect consumer like me.
XXXX XXXX Citigold Account XXXX XXXXXXXXXXXX XXXX From : XXXX XXXX XXXX Date : XX/XX/XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX XXXX, Welcome to Citibank, my name is XXXX. After carefully reviewing your account, I confirmed you have completed all requirements associated with promotion code, XXXX.
To set your expectations, the XXXX bonus miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. Since the requirements were completed in XX/XX/XXXX, I was able to calculate that the bonus miles will be credited to your AAdvantage account by XXXX/XXXX/XXXX, which will be viewable on your XX/XX/XXXX statement.
My goal is to thoroughly address all of your concerns today, and if you would like to be notified on the status of your bill payments, I would like to suggest our wireless alerts service. This service provides you with the option to receive notices two business days prior to bill payments scheduled dates, can not be issued due to insufficient funds, and when bill payments have not cleared in 15 calendar days. To set up wireless alerts please click on the " Enroll in/Manage Citi Alerting Service '' from the " Account Services & Enrollments '' menu located on the " Account Management '' page.
XXXX From : XXXX XXXX XXXX Date : XX/XX/XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold 's Online Message Service, my name is XXXX and I hope that you are having a pleasant day today. I will be pleased to provide more information Thank you for choosing Citibank for your financial needs!
I can confirm that you are enrolled in the promotion XXXX for XXXX XXXX miles. As a reminder, the requirements for this promotion are as follows : - Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/XXXX.
- Within 60 days after account opening ( by XXXX/XXXX/XXXX ) : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card which must be posted to the new checking account.
- And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months.
Qualifying bill payments are those made using Citibank Online, Citi Mobile or CitiPhone Banking. Bills paid by making a transfer between linked accounts and/or transfer payments made to accounts within Citibank or to accounts with Citibank affiliates do not qualify as bill payments for this offer.
The AAdvantage bonus miles will then be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you complete all offer requirements. Please note, it does take another statement cycle after the miles are processed for them to reflect your AAdvantage account.
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| 05/20/2016 |
Yes |
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Web |
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XXXX XXXX, XXXX XXXX XXXX Macy 's Executive Office Re : Consumer Financial Protection Bureau Case # XXXX Express accounts ending in XXXX and XXXX Dear XXXX XXXX : In response to your most recent communication, I respectfully submit that from my perspective, there are a number of errors and misrepresentations contained in the information you provided. The Macy 's store account ending in XXXX that you indicated was opened as a joint account by XXXX and XXXX XXXX is an error. I did not know XXXX XXXX in XXXX. I was a junior in high school in XXXX.
XXXX XXXX and I were not married until XXXX. From XXXX XXXX XXXX was married to XXXX XXXX, his second wife, and in XXXX XXXX have still been married to his first wife, now known as XXXX XXXX. The Macy 's account XXXX was not opened as a joint account by myself and XXXX XXXX in XXXX. If he added me to the account he did so without my knowledge. I was not aware of that situation. That account was not opened as a joint account with me. Maybe with XXXX of his other wives, but not with me.
XXXX XXXX and I were divorced in XXXX in XXXX. All the credit card accounts had been paid down at that time and he agreed to assume all future accounts in his name only, as stipulated in the divorce decree. Apparently, Macy 's corporation allowed XXXX XXXX to open a credit card account using my name in XXXX, 7 years after we were divorced and without my consent or knowledge. How can you do this to me? And how can you add my name without my consent or knowledge, and then assert that I can not take my name off these accounts? If he had n't died, would you have continued to allow him to run up debt in my name without my consent or knowledge. I 've been remarried for many years, and owe XXXX XXXX and his estate nothing.
I did not sign up for the account in XXXX, since I was remarried for a number of years, and had no contact with XXXX XXXX. I am and was unaware of his financial dealings with you. Nor did I sign up for an account with him in XXXX, when I was in high school and did n't know XXXX XXXX existed.
I moved to XXXX in XXXX and was remarried in XXXX in XXXX. My current husband and I purchased a home in XXXX in XXXX. The credit report in XXXX did not show these " joint '' accounts. We sold that home and purchased a new home in XXXX just outside XXXX.
At that time a credit report run by the lending institution showed a number of " joint '' accounts listing my name along with XXXX XXXX. My husband and I considered that fraud. We contacted all lenders who had listed me on XXXX finances, including Macy 's.
I called and spoke to a Macy 's representative. I told the Macy 's representive that the accounts listed should be in XXXX name only as we had divorced in XXXX. I was told that the accounts would be closed and once closed the undersigned would not be held liable for them. I have made no purchases on any of the " joint '' Macy 's accounts. As I said previously the one listed as " joint '' from XXXX is in error. I have also reported to the Consumer Financial Protection Bureau, Federal Trade Commission, and the XXXX County Sheriff 's Department, the fact that Macy 's allowed XXXX XXXX to illegally open a joint account in XXXX using my name.
As indicated in your letter you had been sending all bills to the XXXX address, which was XXXX office address. I moved to XXXX in XXXX.
Macy 's corporation allows an individual to open a " joint '' account without the signed permission of the second party and then tries to hold the second party liable for purchases made by the first party? I did not sign up for the joint accounts, was divorced from XXXX XXXX in XXXX in XXXX, remarried in XXXX. I have resided in XXXX since XXXX. I have
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| 04/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/XXXX Complaint and request : for assistance to reconcile an incorrect matter with Citibank N A Account opened XX/XX/XXXX Current balance today {$0.00} Charge off internally with Citibank XX/XX/XXXX Last payment required and made XX/XX/XXXX Hello, I am requesting assistance to have an old matter with Citibank resolved. Please note Citibank does not have current information and is ruining my credit worthiness due to improper recordkeeping.
In XXXX, I was put on a payment plan with Citibanks internal Collection department, with fixed payments and stopping all interest on the account. I started a payment plan with Citibank in XX/XX/XXXX. All payments were taken out automatically from my bank account.
Fast forward to XX/XX/XXXX, and I changed banks for my checking to XXXX XXXX XXXX. I was promptly in touch with Citibank and restructured the remaining balance with payment starting on XX/XX/XXXX, with 48 payments set up to be taken automatically out of my bank account. All payments were taken out as agreed and I have all bank statements for all 48 payments that were taken out automatically.
The payment ceased to come out of my bank account as XX/XX/XXXX being the last payment as agreed. This last payment came out of the account, my XXXX XXXX checking account, that I set up with them in XX/XX/XXXX. All 48 payments came out. I still have that XXXX XXXX checking account to this day. I never denied them a payment nor stopped payment on any of my payments. They were all paid as agreed.
In XX/XX/XXXX, I was sent a correspondence from a collection company called XXXX XXXX XXXX, XXXX. Their physical address is XXXX XXXX XXXX. XXXX XXXX in XXXX MN XXXX.
I was promptly in touch with The collection company, XXXX XXXX XXXX, XXXX, and let them know this was a mistake and that I do not owe any balance and that account at that time was over a year old and has been paid off 12 months prior as agreed.
XXXX XXXX XXXX XXXX has continued to stay in touch with me and call me for a balance. I sent had conversation with them within the last 30 days and ask them to please stop calling me, and if I owe money to please send me documentation verifying and proving that.
Today I received correspondence from radius global solutions, With irrelevant information from XXXX and XXXX. The information they provided does not show a balance nor a reason why I am with their collections agency. In fact the letter they sent me shows a zero balance.
Furthermore, I watch my credit closely on a weekly and monthly basis, and XXXX provided me with a list of credit cards that were offering 0 % interest for 18 months for balance transfers. XXXX also itemizes cards that I would be approved for with my credit rating. I applied for credit with Citibank, on XX/XX/XXXX, due to the recommendation from my XXXX account. I was denied credit from Citibank on XX/XX/XXXX, reason being is ... I have an account with a balance with them that was not paid.
Please note this incorrect accounting and not accounting for all of my payments that were automatically taken out of my account, its not only disturbing because now theyre asking for money that I do not owe but now Ive been denied credit with Citibank and its ruining my credit.
Please assist me in getting this removed from my credit, removed from my Social Security number and having the inquiry from Citibank either reversed approving me for credit or having it taken off my credit report as an inquiry. At this time the inquiry will stay for 24 months. I find all these actions from Citibank and XXXX XXXX Solutions very unfair and are affecting my financial worthiness, security and truthfulness.
Thank you for your time.
XXXX XXXX XXXX
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| 03/16/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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In XXXX while I was in a Trial Modification with Citimortgage that I paid as agreed they foreclosed on my property. That foreclosure was set aside in XXXX and I Citi never contacted me to set up my new mortgage. In XXXX, XXXX they foreclosed again. This foreclosure was set aside by a judge in XXXX XXXX, OHIO since obviously it was an illegal foreclosure. During this time I was contacted by XXXX XXXX, Homeowner Specialist at Citi Mortgage and was told that she would be working with me to set up a new Trial Modification. It should be noted that in XXXX of XXXX, I was contacted by Clear Point and told that I could qualify for a new Modification where the investor on my loan, XXXX would forgive my outstanding interest and penalties but I would have to get the foreclosure set aside. I did share this information with XXXX XXXX at Citi when the foreclosure was set aside in XXXX and she told me that the Underwriter was working on my approval.
In XXXX of XXXX, I was told via email by XXXX XXXX that my modification was approved by Citi and that I needed to call her. I called her and when I asked her what my mortgage balance was, at first she could n't tell me and had to check with an underwriter. I was then told her that the balance was approximately $ XXXX. When I asked her what the PITI was, she could n't tell me but only stated that in my permanent modification documents this information would be revealed. I told her that this was unacceptable and I waited for additional information from her to wit no resolution was received.
On XXXX XXXX, XXXX I received via XXXX, what appeared to be Trial Modification documents and was told that I needed to make my first payment by XXXX XXXX, XXXX. I immediately went to the US Post Office in XXXX OHIO and mailed the check with the payment coupon to the address noted in the Citi Correspondence. I did not mail this certified but it was mailed first class and to date the envelope has not be returned by the post office for a wrong address. On the same day, I sent an email to XXXX XXXX and told her to expect the check to hit their servicing department by the XXXX. I also told her that I was disappointed that disappointed that the actual terms of the payment ( PITI ) as well as mortgage balance was not noted in the documents.
I emailed XXXX XXXX the early part of XXXX and expressed concern that my check had n't cleared. I asked her to contact the servicing department to find out why they had not processed my check and also to make a copy of the envelope showing the postmark on the envelope to support that I had sent the payment on XXXX XXXX. She told me that she " could n't '' contact that department. This sounds at the very least incredible since she was the specialist assigned by Citi to handle a mortgage modification. There is something wrong with this process. By the way, she also told me that I could have made the payment over the phone with her directly yet that was never put in writing with the modification documents. If it had been offered as a payment method I would have done this on XXXX XXXX vs sending in by mail. To date, my payment has not been processed. I received a text ( truly remarkable ) this past Friday evening stating I would be getting a new Homeowners Specialist and that I would get and email or letter stating who that person would be. I have received neither Professionally this is once again being bungled by Citi as it was in XXXX ( see previous complaint with CFPB ). I also feel that since Citi foreclosed in XXXX and sold the property for approximately $ XXXX that amount should be the new mortgage balance amount, especially since I was told by Clear Point that I would qualify for this too.
|
| 04/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
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I recently learned that CITI Bank closed a credit card account ( without written notice ) that was issued 26 months earlier.
My credit card account status was current, paid up to date, with no late payments ever, all pervious payments met or exceeded CITIs minimum required payment credit card repayment requirements. All payments were made XXXX weeks before payment due.
In short the account is in excellent status, and each payment paid was paid early and above the minimum payment requirements during the entire length of card holder agreement.
I routinely make my credit card monthly payments thru CITI bank automated ACH debit system. The system is an automated technology that allows paying your credit bill via your person checking & savings account. The account was linked together using CITI bank account service.
I used CITI Cards system with the same banking account information to pay my credit card bill the pervious month without incident or concern, and for that matter tI have paid by ACH everytime since becoming a Citi customer. As is the case with all my reoccurring ( eletrical, internet service, auto insurance..all paid without flaw using ACH and my personal checking account.
However XX/XX/2021 payment, CITI card system indicated my payment was returned, I was charged {$28.00} for return fee for a ACH return.
While I knew I had the resources in my personal bank account to cover the amount of the authorized payment..CITI states my payment was returned without explanation.
Upon receiving the non payment email I immediately contacted CITI Cards via chat on the CITI App and inquired about the returned ACH. I was advised that the routing number appeared to be incorrect. I was advised to correct. I was advised the {$28.00} removed if I make a request.
After the inquiry I immediately again made payment using CITI Cards service, I removed the old account that was used successfully before and linked the same account again to CITI Card payment platform for ACH payment. And again the second payment attempted failed.
I contacted CITI Cards again, a second time via phone and inquiried as to why my payment is being rejected and why Citi credit card closed?
I was advised my credit card account was closed due to breach of terms due to my payment being returned!
I tired to explain the situation, the customer service rep was indifferent..was not in his department?? I gave him an ear full and disconnected the call..
My account was closed due to CITI Cards technology failure. For the I used the same bank account information for XX/XX/2021 XXXX the pervious month ), as I did for XX/XX/2021 payment ... both times the payment was successful and completed using the exactly account information, same method ( ACH ) ..its Citis technique glitch.
After collecting evidence that nothing has changed on my end and using the same methods I went further I contacted my credit union for where the payment was being pulled to discuss any technology issues, any account issues..was there ANYTHING to prevent the authorized CITI Cards transaction from occurring and being completed XXXXNO XXXX XXXX, there sis no reason Citi Card didnt receive your payment. There is NO issues from XXXX XXXX side what do ever. That evidenced by the fast all other authorized transactions were processed in a timely manner..
The bottom line, I did not breach my service agreement with Citi Cards, I was not in default, I paid my debit on or before due date, I pay the required due amount or greater.
Please note the attached doc indicating how the authorized ACH was successful the pervious month, with the same bank account, same method of transfer. This is purely a CITI Card error.
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| 03/26/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Banking errors
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|
Web |
Older American, Servicemember |
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re : closed citibank account XXXX ; d opened account XXXX ; savings account XXXX.
i am being shortchanged and stonewalled by citibank. they have a program in which clients receive reward points ( rps ) for using services such as checking, savings, direct deposit etc. i am not getting the rps i am entitled to.
in XXXX, XXXX, i closed checking account XXXX ( hacked ) and immediately opened account XXXX. all of the rps associated with XXXX should have been seamlessly transferred to XXXX ( e.g. rps for a linked savings account XXXX and rps automatic funding of that savings account. ). unfortunately, they were NOT due to employee incompetence. a couple of weeks later i was told by another citi employee, when discussing an unrelated matter, that i could lose all 23,000+ rps associated with the closed account XXXX. i spoke with citi employees in south.dakota, the XXXX, texas, florida, and kentucky for verification but was given conflicting information. i called citi at least 10 times before the 23,000+ rps was resolved on XX/XX/XXXX. however, i discovered i was still not receiving rps for savings account XXXX which should have now been linked to XXXX. i called repeatedly and was told on XX/XX/XXXX by XXXX and XXXX that XXXX would be linked to XXXX and that i would get rps on a recurring basis. that has not been the case. unfortunately, citi does not provide telephone extensions so it is very difficult to speak to the same person.
on XX/XX/XXXX i wrote citi ( snail mail ) detailing my travails. i asked for XXXX rps to compensate me for the enormous inconvenience i had experienced. NO RESPONSE. on XX/XX/XXXX i wrote again. on XX/XX/XXXX, mr. XXXX ( XXXX ) called and assured me i was getting points for for XXXX. he showed me online XXXX rps but couldn't tell me how many were for XXXX and how many were for XXXX. there was no breakdown. he kept harping, " you didn't lose any points, you didn't lose any points. '' true, but only because of my due diligence and perseverance. if left to the ineptitude of citi i would have lost all of them! he offered me XXXX rps for my troubles. i asked if i had any options. he said, no. i accepted.
on XXXX i spoke with XXXX at the rewards center in kentucky to confirm what XXXX told me. XXXX told me i was receiving NO rps for XXXX. the XXXX rps was associated with XXXX only. a direct contradiction to what XXXX assured me. i called XXXX and told him. " why did you go and do that? '' he asked, as if i would discover something he was trying to hide. he said he would have his supervisor ms. XXXX call me the following monday when she returned from vacation. she has not. i called XXXX 2 more times. he did not pick up or return my calls. on XXXX a XXXX or ms. XXXX called from citi 's executive offices in south dakota, XXXX i left a message. no response. i called her 2 more times the following week. now, the only option was to call back. no option to leave a message. on XX/XX/XXXX i spoke with XXXX in the s.dak rewards center and he confirmed what XXXX told me earlier. NO rps for XXXX.
citi has been less than truthful. now, they are not returning my calls nor am i able to leave any messages. i have called citi at least 10 more times since XXXX initially called. i am not getting all the rps i am entitled to. this has become a nightmare. i am asking for XXXX rps ( i have been given XXXX already ) ; that i start getting rps for XXXX ; and that i get rps for the automatic funding of XXXX. any lost points linked to XXXX should also be restored.
it would be most productive if someone from citi outside the original loop contact me. thank you XXXX XXXX XXXX XXXX ( landline, leave message ) XXXX XXXX XXXX.
XXXX XXXX, ca XXXX
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| 03/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
Servicemember |
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Citicards has a false, misleading advertisement on their credit card policy called " 0 Liability Fraud Protection ''. Here is the link : XXXX XXXX XXXXXXXX According to their stated policy : Included with Select Citi Cards Youre protected against unauthorized charges on your consumer credit card account.
At Citi, you will not be responsible for unauthorized charges ( charges which were not made by you, or anyone allowed to use the account ).
I feel that I have been wrongly treated by Citicards based on their misleading statement of their 0 liability fraud protection. I have been dragged along by Citi for over 3 months on a fraud dispute I made in XX/XX/2018. They assured me I would have all my money back then and they closed my credit card and issued a new one. Now I am dealing with the horrific stress of card charge reversal that is affecting my mental and physical health. I have not been sleeping and eating since the reversals were notified to me last week.
I told Citi that I refuse to pay the unauthorized charges but they told me that will affect my credit report and end up in late fees. Why am I being punished for being a victim of fraud -- according to their advertisement ( unauthorized charges-charges not made by me ).
Here is my letter to the Citi Dispute Department : XX/XX/2018 Hello Dispute Department, I have called almost everyday since the reversal of {$100.00} and {$100.00}. I even requested to the Investigation team to reopen the closed case for {$100.00} from XXXX XXXX Why am I not afforded a rebuttal for this case? I was never given a chance. That is terrible customer service from Citi. That is why they are called scam artists- they provide false documents and false websites and take our hard earned money.
I attached a XXXX posting from customers contacting XXXX XXXX of the false advertisement using her name for the product. It's the same situation I am going through. Please review attachments. It is incredibly wrong to charge customers without notice in any form ( email or letters or receipts or confirmation email ) that there is a " terms and conditions '' applied to an order without ever placing the information anywhere. Then using our contact information to place more orders we did not place. I never received a second shipment on the XX/XX/18 " order '' they placed without my authorization. They are placing false charges for false shipments that do not arrive. Why am I paying for something that I did not order in the first place and on top of that never received!
I feel that Citi is not protecting its loyal clients. I have never been late with any citi card bill. I always pay in full amounts. If you look at my credit history with Citi, you can see I am one of your best customers. I even have 2 different cards with Citi. By not protecting us, you are encouraging scammers and illegal activities ripping off customers. You are enabling the online scamming system.
I have been ill treated from day one of my fraud alert call to citi in XX/XX/2018. I did all the right things by notifying Citi of unknown, unauthorized transactions -- and strange " XXXX XXXX '' names of the business.
I have filed FTC, XXXX, and Attorney General Complaints. I called the XXXX XXXX vendor for refunds and they have no return or refund policy and refuse to let me talk to their supervisor, saying since I have done a dispute with the credit card, my account is forever locked and can not be worked on. Without your help, we are being victimized and more customers each day will have the same terrifying scenario I am going through.
Unfortunately, with my ill treatment at Citi, I will be closing all my cards after the final dispute is closed.
|
| 08/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
Older American |
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I have been traveling outside of the US on my sailboat since XXXX. I was last in the US in XXXX. My boat is currently in XXXX.
My wife and I are currently travelling in XXXX. On XX/XX/XXXX and XX/XX/XXXX I was booking airfare and lodging to continue our trip using the Citi MasterCard I have had for the past 40 years. The card has a XXXX limit. I use the card regularly and pay the full balance at the end of each month.
I had made about 8 transactions when I received an email from the Citi fraud department telling me to contact their fraud department as they suspected there was fraudulent activity on my account. This has happened in the past when I make an unusual transaction such as making a large purchase with a company I have not previously dealt with.
I called the number provided and assured them I had made the charges. I expected the usual questions I had come to expect from past experiences. i.e mother 's maiden name, last 4 numbers of social security number, answers to pre-established security questions. I was asked for my " security code word ''. I had never heard of such a thing. He then said " the place you'd most like to travel ''. I immediately recalled that I had selected that question in the past and responded with the answer. He said " excellent ''. He then asked me for my us phone number saying he would send me a text message to that number and to tell him the information that was in the text message. I explained that i was traveling in XXXX, had no way to access that number as I no longer have that phone number. I offered to give him the number of the Sim card I was currently using. He said he could only send the text message to a US number.
The interesting thing about the transactions in question is that they were made to companies I use regularly and often. The payments for lodging were to XXXX, the only company I use for hotel bookings and XXXX who I primarily use for air travel. I have made multiple payments to both of those companies in the past 60 days. There was nothing unusual about these transactions. As I am currently traveling in XXXX, I also booked airfare for 2 short trips with XXXX XXXX. I used my card with this airline 3 years ago. The total of these charges was less than {$600.00}. There is no outstanding balance on my card and the last 2 monthly payments on my account were for approximately {$2600.00} and {$2300.00}.
I asked to speak with a supervisor who essentially told me there was " nothing they could do ''. He told me he was sending a letter to my US address of record and that I would have 7 days to respond. I explained that it was impossible for me to respond in that time frame as my mailing address in the US is a mail forwarding address and the mail will then need to be forwarded to me in XXXX. He said there was nothing else he could do.
I then asked to speak to his supervisor, he said he was the supervisor. I demanded to speak to his boss, after a considerable amount of hesitation, he said someone would call me. I gave him the XXXX number for the SIM card and asked when I should expect the call. He said " I have no idea ''. At this point I was doing everything possible to keep from exploding and demanded he give me an idea when I would receive the call. Again, after such hesitation, he said " an hour or two ''. It's been more than two hours and I have still not received a return call.
I am now concerned that I may be stranded in XXXX Wonder if I will be able to get back to XXXX where I can better deal with this situation. I can not believe that a company would deal with a 40 year customer, with an impeccable credit history in this fashion. There is something terribly wrong at Citi bank.
|
| 09/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Hello. My name is XXXX In XX/XX/2022 I opened a Citibank account and deposited money into it from my job and earnings from the last 3 years I was using the account fine and everything was good but all of a sudden XX/XX/2022 I received a call from Citibank stating that there was some fraud un authorized ACH activity going on in your account do you recognize it?. I immediately went through my online banking and responded back that it was not me and it was a fraud then the fraud department started a claim for me while I was on the phone with them and suggested I open a new account and transfer my available funds to a new account to avoid further fraud so I opened another account by one of customer service agent online ( through ) and transfer my funds to the new account. After that by XX/XX/2022, I called to fraud department to know the status of my fraud claim they mentioned claim is closed and my account was credited with the funds and I have full access to use my funds after that. On XX/XX/2022, I received an email from Citibank stating that " Your Citibank accounts will automatically close within 60 days '' and " We found that you have violated the terms of your account per the client manual. ". and in that email, they mentioned I can get my funds after 60 days through the mail by check but if I want to access my funds sooner I have to visit the branch with my id I have attached pictures of the email below. This came as a surprise as I was not using this account for any illegal or malicious purposes. I used this banking account to make purchases ( food, clothing, etc ), and also I have a plan to purchase a home in the future as well as to receive incoming deposits from my small-scale self-employment and job, Between that time and now, I have called Citi Bank XXXX00+ times , constantly getting transferred, being told that there is no specific information they can give me and that I will receive my funds within 30-60 days. I was also told numerous times that the reason it looks my account has been marked for closure is because of suspected fraud. With that being said, I must say that It is rather remarkable that a large corporation such as Citibank holds nearly { {$58000.00} } of someones money simply because they suspect fraud as if it would not be very easy to simply have the client verify the transactions that are in question. That same day, XX/XX/2022, I called the bank 's general number and was transferred over to the fraud department who said that they could not provide any info and then I would need to simply wait it out. After one month I visited a local branch XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on XX/XX/2022 that same day and was told that I would need to once again call the fraud department because they are the only ones who can help with that concern. For the next 2 months, the same day I called the branch manager the person from the fraud department who hold my account illegally she did not mention her name and said you will receive zero dollars what can you do and she humiliated me with a sarcastic way repeatedly I felt first time in my life, XXXX, tired and even I cried all the day just because dont know what to do. From the same branch, I took copies of my statements and recent transactions also someone from the bank understands my situation and I was suggested by one of the bankers in the branch to contact CFPB to get some help.
Please help me to recover my funds from Citi Bank 1 ) Citi bank XXXX 2 ) No customer service 3 ) Even if they are not explaining to the bank manager 4 ) Citi Bank not even following the instructions provided by the Citibank to me by email I am attaching all the necessary documents please help me
|
| 03/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
On XX/XX/2022 I contacted loan officer XXXX XXXX from Citi Bank who was recommended to me for a Cash Out Refinance Mortgage I was looking to do on my Condominium. I told him I was looking to borrow {$400000.00}. I went over all my income, expenses & credit score ( over 800 ) with him and he said qualifying should be no problem.
On XX/XX/XXXX I submitted the application for the {$400000.00} loan with a fixed rate of 3.250 %. I uploaded all the initial required documents like 2 years of Tax Returns, Paystubs, Bank Statements, Taxes & Insurance etc..
On XX/XX/XXXX a payment for fees and appraisal was requested and I paid {$750.00}. Over the next few weeks I was asked for multiple documents which I provided the same or next day.
On XX/XX/XXXX I was asked for a letter of explanation for the purpose of the loan which I provided on XX/XX/XXXX. I stated it was to repay my daughter who lent me {$400000.00} to purchase the Condominium. I was asked for a Loan Agreement which I provided along with a copy of my daughters cancelled check.
On XX/XX/XXXX XXXX XXXX called me and asked if I wanted to increase the Loan amount to {$420000.00} to be able to pay back my daughter and cover the fees. I agreed and the loan was re-disclosed.
Over the next few weeks multiple new documents were requested and the process was getting to be very slow and laborious. It was taking a week for the Underwriter to review every document requested. I called XXXX to see what was going on and left a message. He didn't return my call and I left 4 phone messages and several texts over the next 2 weeks. I finally texted him that I was going to file a complaint with Citi and he finally returned my call.
More documents were requested regarding 12 months of cancelled checks for my car lease along with a letter of explanation about what I plan to do with the asset at the end of the lease. I told XXXX XXXX this is really getting to be ridiculous since my credit report clearly shows I never had a late payment in the 2 years since the auto lease started. I did however provide the documentation. When I asked him why they were requesting this he stated there was a problem with my DTI. I told him that you had my income and debts for almost 2 months and why am I being told about this now? He said he would inquire and get back to me. When he called back he said they could only offer me a {$210000.00} loan because of the high taxes and HOA fees. I was furious but at this point I agreed to move forward because I needed to give my daughter at least part of the funds she lent me.
After going through this nightmare for over 2 months I receive a generic email ( not even the courtesy of a phone call from XXXX XXXX ) on XX/XX/2022 stating Adverse Action : " The principal reasons for credit denial are : * Requested Loan Purpose '' I really couldn't believe my eyes since I provided the attached letter and documentation almost 2 months earlier on XX/XX/XXXX. It was never addressed as a problem for almost 2 months. I believe they were just looking for a way to decline my loan and pulled this out of their hat at the last minute.
I am a XXXX y.o. XXXX with a XXXX XXXX. I have gone through so much stress for over 2 months with this. I have had trouble sleeping the last 2 nights. I believe it is more than incompetence and I find it very curious that when I applied the lock rate I had was fixed at 3.250 %. The rates for Citi Bank 30 Year Fixed as of toady are now at 4.0 % Something is not right.
I now have to start this process over again with another bank with rates almost a point higher. If I can get a 4.00 % rate I will be paying {$31000.00} in more interest since I no longer have the 3.25 % Rate.
|
| 02/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Citibank XXXX XXXX Back credit card employs misleading and predatory practices.
On XXXX XXXX, 2021 I transferred a balance of more than {$9000.00} from a XXXX credit card, 0 % APR for 18 months. I have only made a few purchases on the Citibank card, to take advantage of the promised 2 % cash back.
I was told that " If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance ( including balance transfers ) by the due date each month. '' I assumed it meant that until my entire balance transfer had been paid, I would be charged interest each month from the day I made any purchase until the day I paid Citibank for it. That would be a drawback, because most cards don't charge ANY interest if one pays for a purchase by month 's end, but I accepted it as a necessary evil. However, it turned out to be much, much worse.
Citibank now tells me that, no, they have been charging me interest on past purchases *forever*, until I pay off my entire transfer balance ( which I have 18 months to do ). I have made NO purchases at all since XXXX but have been charged interest each month on purchases made -- and paid for -- long ago. I even paid hundreds of dollars MORE than I needed to pay, to pay down my transfer balance, to make sure that I didn't have any outstanding purchases. But I'm still being charged interest.
I called and talked to XXXX and then supervisor XXXX ( employee # XXXX ) ; they simply read back the same line that I quoted above. But it's a very misleading line, since no credit card I've ever seen charges interest on purchase that have already been paid off. It could just as easily be interpreted the way that I interpreted it, meaning that until I pay off the entire transfer balance, purchases that I make each month will accrue interest until I have paid for those specific purchases. Citibank charging hundreds in future interest based on one, contestable line seems predatory.
Citibank apparently pays fees to many credit card review sites, such as XXXX Underscored ( https : XXXX ), because all of those sites tout the 2 % cash back feature AND the 0 % APR balance transfer feature, but not a single one mentions the tremendous drawback of being charged interest forever on all purchases until the entire balance transfer is paid. ( XXXX Underscored, for example, acknowledges that they receive fees if someone applies for a Citibank card after visiting XXXX 's site. ) This seems even more predatory. Citibank acts as if their policy is transparent and everyone knows about it, but not a single one of these paid review sites that I could find mentions anything about their interest policy.
Why would anyone use Citibank 's balance transfer feature, pay 3 % of the balance transferred, and then ALSO use the card as a credit card ( as Citibank and its paid reviewers suggest that people do ), if doing so will incur monthly interest charges that will far outstrip the 2 % cashback? Please don't let them continue this practice. They need to state upfront that their card should be used EITHER as a balance transfer card OR as a 2 % cashback credit card, but that using it as both will result in heavy charges.
I am attaching a section of my the language that Citibank uses on my statements, indicating " how to avoid paying interest. '' I assumed it was relevant to my account because they're the ones who chose to include it each month. If it doesn't apply to me, it would comprise just one more example of Citibank 's obfuscating policies and language.
Citibank 's practices are predatory and unethical, all based on their interpretation of a single, contestable line. I will never do business with Citibank again.
|
| 02/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Hello CFPB team, On XXXX XXXX, XXXX, I logged into my Citibank online account, which is how I manage my Citibank credit card. Before my account was displayed, I received a promotional message directly in my web browser from Citibank offering a Cash Bonus if I opened a High-Yield Savings Account through Citibank. The terms were straightforward : put {$50000.00} or more on deposit in the new Citibank High-Yield Savings Account within 20 days of opening the account. Then, keep at least {$50000.00} minimum in the account for 60 days, and a {$450.00} bonus will be credited within 4 weeks of meeting requirements.
This seemed like a good deal, so I signed up, fully funded my account within the first 10 calendar days, and kept my full balance on deposit with Citibank for 3 months. By XX/XX/XXXX - more than 4 weeks after meeting the requirements on XX/XX/XXXX - I had still not been credited the {$450.00} Cash Bonus advertised by Citibank when I opened my account.
I contacted Citibank support on XX/XX/XXXX to ask when my bonus would post to the account. At XXXX XXXX, the support rep ( " XXXX '' ), informed me that the 30 calendar days would start counting from XX/XX/XXXX, and that meant my bonus would post before XX/XX/XXXX.
I checked again on XX/XX/XXXX but the bonus still had not posted to my account. I contacted Citibank support again, XX/XX/XXXX at XXXX XXXX XXXX the support rep ( " XXXX XXXX ) confirmed that I had met the requirements, but that the bonus still had not posted, and that a dispute would be opened on my behalf.
XXXX weeks later, I had still not heard back from Citibank or seen the bonus post to my account. I contacted Citibank support again, this time by telephone. The support rep I spoke with on XX/XX/XXXX told me that Citibank was unfortunately dealing with " lots of disputes for new account bonuses not being credited ''. She told me that she would add a note to my account saying the customer called. But then encouraged me to wait " just XXXX weeks more '' to get an update.
Following that call, on XX/XX/XXXX I was provided a letter from Citibank ( titled, " Our Research Results '' ) through my Citibank online account portal. The letter mentions a promotion code and states that it " was not offered in conjunction with the above account ''. Furthermore, the letter asks for written proof that a Cash Bonus was offered to me, and states that " we do not accept a print out ''.
This is deceptive marketing and very poor customer service. I signed up for an offer that Citibank pushed to me through their own online credit-card management portal, and now Citibank delays paying the bonus and now states that my account was never eligible for a bonus anyways. This directly contradicts every conversation I had with Citibank customer support - 3 times, who consistently made it clear to me that 1 ) they were well aware of the Cash Bonus promotion and 2 ) my balance and time deposit met the requirements for the bonus.
It is almost bait-and-switch to promise a Bonus for opening an account, and then claiming, nearly 5 full months later, that no bonus was ever offered to me. It clearly was. I am attaching the screenshot I do have from when the offer was presented to me in my Citibank online portal.
While I am extremely disappointed in Citibank 's handling of this situation so far, I still have hope this is a mix-up and the CFPB can help resolve this situation with Citibank. A fair resolution would be for Citibank to credit my account with the {$450.00} Cash Bonus they offered when I opened the Citibank High-Yield Savings Account they advertised to me on XXXX XXXX, XXXX.
Best regards and Thank you for the work you do for all of us.
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| 08/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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On Tuesday, XXXX XXXX, I deposited a personal check for {$20000.00} with a teller at CITIBANK that my mother gave me from her joint checking account that belongs to her and my step father. On Friday, XXXX XXXX, I went into my bank app on my cell phone to check to see how much of the check had cleared. I could not get into my account so I called the bank. They told me I had to call the fraud department as my account was being closed. I immediately called the fraud department number and they told me the check had been flagged as fraud. I asked why and all they would tell me was that they had to get in touch with the person who wrote the check, I said I would have to call my mother as my step father has XXXX and does not speak XXXX. They told me they would speak to my mother. They told me to have them call the fraud department so I did that. When my mother called they told her they could not speak to her and for them to go to the bank and have the bank call them. On XXXX or XXXX, XX/XX/XXXX XXXX XXXX, XXXX, they did that. They went to XXXX XXXX XXXX whereas a person from the bank called the fraud department and thought she had straightened everything out. She told them the check was good and even where the money had originally come from. I didn't hear anything back from CITIBANK so I thought everything was done but decided to call just to make sure. They told me no one had called them from the bank and they still had to speak to my step father. My sister got his cell phone, charged it, and gave me the number for them to call him. I called the fraud department and they told me that they don't do that. They can't just call any number. This has been the situation since day one. One person tells me one thing, another person tells me something else and I cant just speak or work with one person. I have personally gone to CITIBANK twice, they don't help. I have personally gone to XXXX XXXX XXXX twice. They have tried and are still trying. They finally told me they filed a Hold Harmless Claim on XX/XX/2023, almost 2 months after this whole thing started, even though I had told XXXX XXXX XXXX that CITIBANK told me to tell them to file the claim back in XX/XX/2023, and them telling me on two separate occasions that they had filed the claim back in XXXXXXXX XXXX, but neither bank will tell me anything else. I live in a different state than my mom and have gone 2 times to XXXX XXXXXXXX XXXX to try and get this resolved but they say that CITIBANK wont work with them. When this problem started, XXXX XXXX XXXX said CITIBANK should have called them to verify the check before they put a hold on it and they never did that. They never even called me to say there was a problem. XXXX XXXX XXXX said they have never seen a situation where one bank wont work with the other. I have called both banks over and over and the money is still being held by CITIBANK. They will not release the funds back into my mother and step father 's account and XXXX XXXXXXXX XXXX doesn't know why they wont put the money back. Citibank had since closed my account but still has the {$20000.00} on hold. I don't know what to do. Neither bank will tell me anything. All CITIBANK tells me is that XXXX XXXXXXXX XXXX hasn't filed anything. They also told me to get a claim # from XXXX XXXX XXXX for the Hold Harmless Claim but every time I call XXXX XXXX XXXX they don't have one to give me. I called them today, XXXX and still nothing. A manager at XXXX XXXXXXXX XXXX told me to file a complaint with your company to see if anyone can help cause I don't know what else to do. Please help. My mother is elderly and this money is all she has left. Thank you for reading this and I hope you can help.
|
| 03/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
While Citi has agreed that there has been ongoing fraudulent activity on my accounts, I am being blamed for one of the purchases despite continuing to provide evidence to the contrary. Most recently, I received a written response from Citi regarding this case on XX/XX/2022. Since the written response, Citi has been ignoring my emails and not returning my calls regarding this situation.
Citi is claiming that I made the fraudulent purchase and had the card in my possession because I confirmed the last 4 digits of the card number, and because the credit card was listed on my online account. Citi also stated that the card was added to the online account on XX/XX/XXXX, which is also the date they previously told me the card was sent to me. I have the USPS Informed Delivery feature set up, so an email is sent for every single piece of mail that is scanned by USPS, even if we do not end up getting the mail, such as if it is later stolen like in this situation. The email attached shows that the USPS did not scan the piece of mail that contained my credit card until XX/XX/XXXX. I would not be able to activate a credit card that had not even been processed by USPS on XX/XX/XXXX in the manner that they are claiming. Additionally, they also had previously told me that they sent the card then so it could not have been in any way possible for it to be in my possession the day they say the card was added to my online account.
As I have stated multiple times, I accessed the last 4 digits of the credit card from my online account ( not from having the card in my possession ), and that card was automatically added to the account, just like all the previous cards had been. Before Citi blocked access to my account, I was able to see the last 4 numbers of all of the credit cards that had fraudulent purchases that had been sent to me and not received. The only card I ever physically added to the online account was my very first card. With each stolen card that Citi confirms was not in my possession, I only knew the card number from the online account and never added those cards to my online account either, yet they showed up. I have never in my years long history of owning multiple credit cards through different companies ever added a new card to an existing account. The cards are always automatically added and updated.
Citi can very easily look at the date the card was shipped and see that I could not possibly have added this card to my online account or had the card in my possession on XX/XX/XXXX, and can look at the email below to show that there is no possible way I could have had the card in my possession on that date. The piece of mail attached also has a number on it that can show that this is the card in question. Additionally, Citi can easily check and see that all of the cards sent to me that were not received and contained fraudulent purchases were all listed on the online account. Citi is not making any effort to actually investigate this situation and is trying to charge me for a {$1600.00} purchase that I could not have possibly made. I would like to also point out that a purchase made that very same date, within the same hour and in the same area was deemed fraudulent, while I am being blamed for a single purchase. Additionally, whenever I provide evidence Citi changes the reason for why they are blaming me for the purchase, even when it literally does not make sense and is impossible and then ignores me. They also continue to block access to my online account and claim it is for security purposes, however, I had access to my online account for all of the other fraud cases as this has been an ongoing case spanning multiple credit cards.
|
| 02/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Hello I am the owner of Grocery store and used business credit card called Costco Citibank.
On XX/XX/XXXX I suddenly got the letter said " We ( Citi Bank ) closed your account '' and I was so stunned to see it bc I have been very good customer who pays the bill on time and my business is running very well. I immediately called customer service line at Citibank, and the associate told me he doesn't know the reason. and I asked what will happened to the rewards ( Costco Rewards value {$3500.00} in business, and {$500.00} in individual ) that I accumulated, and then he said it will be forfeited. I'm so upset to hear that they close my account by force and forfeit my money? And I didn't hear the reason?
The letter contained the message that " I may request a statement of specific reasons for the action taken to close your account '' So I sent a letter and even faxed the request letter on XX/XX/XXXX. And I haven't heard anything from them at all since.
After a second thought, I really can't believe that the points are forfeited because the account has closed. And wonder what if the banks takes advantage of this rule to the customers like close the account on their end, not pay the reward?
So I called Citibank again. The another associate advised me differently than before.
He said of course I can get the point but Costco Citi Credit card 's points are available to use after XX/XX/XXXX. After XX/XX/XXXX they send out the check so I need to wait until then and the points are ready for you regardless of the closure of the account. That made a lot sense to me cause the situations vary so everybody has the right to gain the rewards as those rewards are based on how much they pay.
I waited for about 3 months until XX/XX/XXXX. Even though I haven't heard anything Citi bank about the request a statement, I didn't care too much. I would rather move on, burn the bridge with Citi bank, and focus on re-gaining the rewards. That is all I wanted.
On XX/XX/XXXX, today, I called Citibank, The associate said the rewards were forfeited as the account has closed.I was so stressed out to say again and very furious about the fact that former associate gave me the false information, and I missed the prime time to take care of this matter in a timely manner. I trusted what he said and waited until now to call to request the rewards get available by now.
I was connected with a supervisor XXXX in Arizona, she confirmed that rewards are forfeited and there is nothing she can do. And she, as a supervisor, does NOT know the reason why the account is closed. ( I enrolled auto pay, so I am never late and pay in full. Really don't know the reason on my end ) I rather asked what can I do for this insane situation?
My account has closed all of sudden- request the reason - not hear any - was advised to wait until rewards available - turned out rewards can't be available She answered the account closure is not her department choice, but credit card 's choice.
I asked she can escalate this issue to the department. She said she can't. There is no channel I can talk with them.
I lost opportunity cost- I could have earned more rewards if I use another bank.
I could have been happier without all these headache and anger.
I hope this made sense to CFPB and help me this insane situation to be resolved.
All I want is getting rewards that I collect. All my business 's spending was made this card under pandemic era.
I recalled the hard time in stocking the essential goods in my store by going Costco early in the morning, waited in long line. It was tough time indeed, and the result if this hard work is too bitter and insane. Please help. Thank you.
XXXX XXXX
|
| 12/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
Late XX/XX/XXXX - Called the Citi Fraud Prevention Team in response to a flag that I viewed in my online banking which indicated that there were possible fraudulent transactions on my account. I indicated immediately that I was traveling internationally and required the card. I was asked several security questions which I correctly answered before being asked for my US cell phone. I indicated that I currently do have one. I was told that because I do not have a US cell and am not calling from a verified number I need to provide my full checking account number. I indicated that I did not have that information to hand and could only do so once I returned to the US. The customer service representative indicated that until I did so they could not provide me with any information about the potentially fraudulent activity. I asked to speak to their supervisor but was told that they were unavailable but would call me back shortly. I provided a local number in XXXX where I was staying however nobody called me.
XXXX XX/XX/XXXX - Called for second time from an international number while traveling in XXXX. Provided, upon request, the correct answers to several security questions including whether I was the sole cardholder, whether I had any other Citi products but could not provide my full checking number - I told the customer service representative that I am traveling abroad and do not carry my check book with me. Follow up question was " Have there been any changes to your account recently ''. I said that I do not understand the question could you please elaborate. No meaningful guidance was provided. I indicated frustration with a vague, non-precise question and indicated that I wanted to complain. The individual indicated that he would raise a complaint with the appropriate team.
XXXX XX/XX/XXXX - Called from my 'verified ' home number I was again asked to provide my full checking account number which I did. I was also asked to provide a reference number for the case which they would have sent me on any written communication. I indicated that the letter I was sent had no reference number ( see attached letter ). I was not provided with any information about the potential fraud that occurred on my account so I asked to speak with a supervisor.
After providing the supervisor, XXXX, with the full background to the case, I indicated that I wanted to make a formal complaint about Citi 's security questions because they were not reasonable and I already answered most of the previous questions correctly. The supervisor indicated that whenever I phoned from a 'non-verified ' number I would be prompted with questions of the type of have been asked. I asked if it made sense for someone to be traveling internationally with their US check book on the off-chance they had a need to call Citibank. I indicated that I wanted to cancel the card and the supervisor confirmed she would do so. Despite me asking, the Supervisor did not provide any details of the fraudulent transaction despite having identified me and after I provided the requested information ( except for the 'reference number ' for the case ).
As expressed to the supervisor on the call, I have been a Citibank card holder since XXXX and have used the card regularly. Because of the regular use I rely on the card especially when I am traveling so that I do not have to take large amounts of cash. The issue with the Fraud Prevention Team left me without use of their card for three weeks when I was traveling in XXXX and despite three calls, at Citi 's request, I have still not been informed about the nature of the potentially fraudulent transactions nor whether I am responsible for the charges.
|
| 03/08/2017 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
Please direct to Citigroup CEO XXXX executive offices. Conversations with Citibank Account Managers in U.S. call centers are productive but their positive attempts are blocked by Citibank Office of the President. All my Citibank accounts are in good standing and useful financial tools when serviced respectfully. One account open for over 15 years was converted coercively by Citibank offshore call centers in XXXX to the Citibank XXXX. Subsequently I suffered severe impediments to routine customer service issues and extreme misogyny often escalated when I requested a U.S. Citibank supervisor. For 8 months Citibank offshore call centers refused to transfer my calls to Citibank supervisors or XXXX call centers. As I was hatefully told by a male Citibank XXXX representative in an offshore call center in XXXX, " Citibank does not transfer women. '' I provided Citibank XXXX of the President XXXX with detailed information regarding guttural hatred and belittling laughter issued by another male in the same Citibank XXXX in response to the subject of XXXX customer service. Citibank XXXX of the XXXX informed me no discrimination took place. My requests for substantiation remain unanswered as Citibank Office of the XXXX XXXX has not returned my calls. Unresolved issues include : harassment of account conversion to Citibank XXXX which earns less cash back rewards ; promise all payments including those to remaining balance prior to conversion including balance transfers would qualify for 2 % cash back if I converted ; {$25.00} cashback credit promised for converting my card online ; XXXX malfunctions ; Citibank XXXX call centers utilization of misogyny in place of customer service ; and removal of notes to my account regarding misogyny substantiation.
In retaliation for providing feedback critical to Citibank to alleviate misogyny, Citibank Office of the XXXX has issued defamatory and falsified statements in my name to deny customer service. Per Citibank Account Managers in XXXX different U.S. call centers, they have been directed in writing by Citibank Office of the President to actively deny me customer service ; deny online access to my accounts in good standing including bill pay and mobile ; continue denying financial incentives and cashback promised to me for Citibank XXXX conversion ; and threaten me with litigation by referencing falsified statements written by Citibank Office of the President XXXX including but not limited to, " We received your written request to discontinue further telephone communication. '' Citibank has never received a written request from me to discontinue communication as all customer service issues brought to their attention remain unresolved.
Per my conversation with Citibank Office of the President XXXX, he believes women should not receive equal pay for equal work. In response to multiple complaints regarding Citibank financial XXXX and unfulfilled Citibank XXXX financial incentives he said, " Do n't have to do anything about it. I do n't want to. I do n't have to. '' He also issued passive aggressive statements designed to invalidate women speaking out alleging complaints by women are feelings based and not factual. During conversation, he constantly interrupted and repeated, " Sorry you feel that way. I 'm not doing that. '' Citibank denied my request for call transcript.
Punishing women who speak out against financial misogyny guarantees Citibank profits. My complaints are made in good faith and to the best of my ability to improve Citibank customer service, maintain my Citibank accounts free from harm, and allow women doing business with financial institutions freedom from hatred based on their gender.
|
| 06/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Dear Sir or Madam, I am looking for help to resolve an outstanding issue related to an offer that Citi Gold advertised but is unwilling to honor.
My wife and I received an offer by mail to open a Citi Gold checking account, and when we meet the offer 's conditions, Citi transfers into our XXXX XXXX mileage program XXXX miles for each account. Although I opened my account XXXX, XXXX and according to Citi agent I met all offer requirements on XXXX XXXX, Citi has not honored the offer, placed my account offer under an investigation since XXXX XXXX, for no known cause and with no known end date.
Below are the details, in chronological order.
I opened an individual account on XXXX, XXXX online, and visited a local Citi branch ( XXXX, XXXX ) to help complete opening the account.
After Citi bank branch helped to complete opening the account, I followed the offer 's requirements, and successfully met them by XXXX XXXX.
I was with frequent contact with Citi to be sure that my account is setup correctly. With each call, the Citi agent assured me that the delay will affect me meeting the offer requirements.
On XXXX XXXX, I called and spoke to a supervisor at Citi who confirmed investigation for my account has completed, which concluded that I met all offer conditions, and as the offer promised, I will receive the miles within 90 days.
On XXXX XXXX, I called and spoke to numerous agents to ask why I have not received the miles as expected. Most notably, XXXX in XXXX opened a case XXXX XXXX XXXX XXXX, was surprised, assured me that based on his records I should have received the miles my now. He apologized and suggested to escalate the issue to the 'BackOffice ', and he will follow-up on the escalation and call me the following week. As before, he said he does not know what the 'backoffice ' status is because he has no access to their systems or individuals there.
I told XXXX that many agents before him promised the same thing but I never hear back from them. Nevertheless, XXXX assured me of his plans. One week later, I never hear back from XXXX or anyone else.
On XXXX XXXX, I called and spoke to an agent and his supervisor, XXXX. Both indicated that my account offer is under investigation, and as before they did not know the reason nor the status of the investigation, nor did they have access to the 'backoffice ', but promised to send an 'escalation ' to the investigation.
On XXXX XXXX, I called and was told that I will receive a letter of the results of the investigation by mail to receive it between XXXX XXXX and XXXX XXXX. I received no such mail.
On XXXX XXXX, I called to update Citi that I never received the 'letter ' as expected. I was told again that 'backoffice ' investigation is ongoing, that they have no visibility and that someone will contact me, by secure mail or letter.
On XXXX XXXX, I sent a secure email ( using Citi web site ) about the issue.
XXXX XXXX XXXX, I received a reply secure email on Citi site, from XXXX XXXX XXXX XXXX repeating the exact same thing I have been told since XX/XX/XXXX. I copied/pasted his reply below for your reference. XXXX sentence of interest is 'At this time, we do not have an estimated time of when the case will be resolved to advise you of the outcome. ' My plans were to switch to Citi for my banking and credit card needs for my business and personal needs. After living thru what should have been a simple process, I wonder if I can rely on Citi to deliver to more important and complex needs.
This issue has dragged on since XXXX XXXX, and has no end in site. Citi should honor their Moto 'To be enable growth and progress ' by first honoring their promises and what they offer.
Regards
|
| 03/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I request that Citi and XXXX XXXX change their practices for responding to customer complaints. I request assistance with getting a permanent refund of charges to my Mastercard ( Citi ) credit card account by XXXX XXXX store # XXXX in XXXX, Texas.
I took my XXXX XXXX XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX to diagnose an engine warning light and for an oil change. They told me their analysis showed the engine light indicated that the car needed replacement of the oxygen sensor. They replaced the sensor and changed the oil. They charged {$100.00} for a XXXX Oxygen SensoXXXX and {$100.00} for labor to " Remove & Replace Oxygen Sensor. '' They also charged a {$23.00} shop fee and tax.
The next day, the engine light came on again, indicating that the repair they made had not fixed the problem as promised. I called the XXXX XXXX shop and was informed that the diagnostician wasn't in but they would call me when he returned the next day to tell me what they planned to do about it. They never called. I made a complaint to XXXX XXXX ' corporate customer service line on XX/XX/XXXX, and again was promised that someone -- - '' XXXX. XXXX '' from " corporate '' -- -would call me back to discuss it. They, too, never called.
In the interim, I found a competent, independent repair shop that successfully repaired the problem. They showed me proof that the XXXX oxygen sensor is NOT approved for use in my car. XXXX XXXX therefore should have known in advance that the part would not solve the problem, but installed it anyway. The unsuitability of the part was confirmed beyond question when warning light continued to come on. Compounding the injury, XXXX XXXX charged me {$100.00} for a part their website then offered for retail sale at {$65.00} -- -a clear case of false advertising. Again, this information was available to XXXX XXXX in advance. When I twice contacted XXXX XXXX about the problem, they failed to explain their actions, failed offer to do the repair correctly, and failed to refund my money. Instead, they silently stonewalled resolution.
I was shocked and appalled by the way XXXX XXXX treated a senior customer. The shop that fixed my car was not surprised, however, and said they frequently hear complaints about XXXX XXXX.
On XX/XX/XXXX, I filed a complaint with Citi 's customer service. I told them I had documentation of ( a ) the part 's unsuitability and ( b ) the advertised price for the part. I explained that the documentation makes clear -- even to someone with no technical knowledge -- that my complaint has obvious merit. Customer service said they would put the charge on hold while they investigated but refused my documentation, saying they would request it if needed. [ Note : I tried to upload documentation to the Consumer Finance webpage but when I did, it rejected the entire complaint. ] On XX/XX/XXXX, Citi acknowledged by email that it had finally received a response from the company and was reviewing it. This suggested that XXXX XXXX was disputing my claim ; otherwise a refund would have been authorized immediately. I called customer service to again offer my documentation. Customer service again refused my documents and said they do not want to see them until Citi 's review is completed. This makes no sense to me unless Citi considers facts irrelevant to reaching a decision. I therefore have slim hope that a fair decision is forthcoming.
Six weeks after receiving my complaint, Citi still has not requested my documentation nor has it completed its review. Meanwhile, I am left wondering if the XXXX XXXX charge will re-emerge, creating financial uncertainty, and I fear doing business with either company in the future.
|
| 12/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
2ND COMPLAINT INFORMATION ( The first case of fraud is under your complaint XXXX for {$89.00} ) ________________________________________ This is a 2nd complaint from XXXX XXXX, XXXX XXXX XXXX, XXXX. NY XXXX XX/XX/XXXX Regarding My CITI Credit Card # XXXX ( debit for {$85.00} ), this 2nd case of fraud is from the same merchant using different name and address. ( The first case is under your complaint XXXX for {$89.00} ) In this 2nd case, scammer used a different companys name and address. However, they used the same USPS tracking number XXXX to prove their shipments.
- The following is the description of the 2nd fraud transaction I sent to CITI : -- - CITI ( R ) CARDS XXXX. XXXX XXXX XXXX XXXX, SD XXXX Ref/ Credit Card # XXXX [ case # XXXX for {$85.00} ] This refers to your letter dated XX/XX/XXXX regarding an unauthorized debit of {$85.00} to my CITIBANK credit card # XXXX XXXX XXXX XXXX on XX/XX/XXXX. The debit was based on the Merchants own Billing Model which I have no knowledge of until I received your letter with that information. This Billing Model is to charge {$5.00} on Day 1, and to charge {$85.00} on the 15th day with no product shipment. And on DAY 45, will ship the second shipment and charge {$91.00}, and will continue to ship the good every 30 days with no ending date. This Billing Model is definitely not acceptable to me. The merchant indicates that I have to call to discontinue the shipments but I have no prior knowledge of this terms and conditions until I received your letter. The way the merchant obtained my credit information is as follows : - On the night of XX/XX/XXXX, I went on line to check-in with XXXX XXXX for me and my wife, XXXX XXXX, for the next mornings flight # XXXX from XXXX to XXXX. After checking in, the computer screen popped up few questionnaires about my satisfaction of the XXXX service. After I answered those questions, the screen showed that I was entitled to have a gift worth {$50.00} for free but I had to pay for the shipping charges of {$4.00}. I paid the {$4.00} with your credit card. Then, the screen went off by itself. Thats how the merchant obtained my credit card information and Since then, they keep charging the credit card. ( Please see statement attached for the unauthorized debits of {$5.00}, {$34.00}, {$85.00} and {$89.00}, XXXX ).
I believed this is a fraud. Please reverse all unauthorized debits based on the following reasons : 1. Both my wife and I are XXXX years old. We have no intention, no need and no interest to buy Cosmetics.
2. From the start to now, I have never had contact with the merchant. The merchant ( or the scammer ) must have created a self-made tried order for {$34.00} in order to bring up all the subsequent debits 3. CITICARD from the start to now be standing on the scammer side and follow the scammer own billing model. I am dubious as to whether this is a conspiracy of CITICARD employees with the scammer.
4. I have no knowledge of the Merchant Billing Model until I received your letter with attachment. Therefore, I was not able to cancel the order on time.
5. The merchant said my wifes information is provided in the CRM [ Customer relationship management ] database ( see your page 6 and their EXHIBIT D ) which is not true because we have never been the Merchants customer. They should not have the records of our personal information. I assumed the information was stolen resulting to the wrong information of No. 6 below.
6. The merchant indicated the name of the card holder is XXXX XXXX which is not true.
7. The USPS tracking # XXXX had been used in the first case of {$89.00}. which means the first case and the 2nd case are one company.
Regards, XXXX XXXX
|
| 09/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Dear Sir : I have a Citi Prestige card, for which I pay $ XXXX, and I have not received a promotion as promised.
In XXXX I used my Citi ThankYou points to book a hotel reservation ; and, due to COVID, I had to cancel the reservation in XXXX.
I was not happy with the way Citi ThankYou handled the hotel cancellation, and, on XX/XX/2020, I spoke with XXXX in Citis retention department.
Due to the inconvenience caused by the process to cancel the hotel reservation, XXXX in the retention department added an offer onto my card on XX/XX/XXXX.
The offer was to spend {$4000.00} in 3-months, from XX/XX/XXXX - XX/XX/XXXX, to receive XXXX ThankYou bonus points.
I know that the offer was to spend {$4000.00} in 3-months, which is consistent with the promotional terms of all credit card bonuses. The offer was NOT to spend {$4000.00} each month for the next 3-months.
By XX/XX/XXXX I had already spent {$10000.00}, which is certainly above the {$4000.00} threshold, but I had not yet received the XXXX bonus points.
On XX/XX/XXXX, I called Citi and I spoke with XXXX to inquire about my missing points.
To my surprise, XXXX told me that the offer was not to spend {$4000.00} in 3-months [ as I had been told ], but instead the offer was to spend {$4000.00} PER MONTH between XX/XX/XXXX and XX/XX/XXXX.
But, not to fear, as XXXX told me that even though I did not spend {$400000.00} per month, I was only {$1800.00} away from meeting the total threshold.
XXXX XXXX added XXXX bonus points into my account as an apology, and she then placed me on hold so that she could reach out to the retention department to see if they would agree to honor the promotion if I spend the additional {$1800.00} in the next XXXX, by XX/XX/XXXX.
XXXX came back on the line and told me that, yes, the retention department did agree to honor the promotion if I spent the additional {$1800.00} in the next XXXX.
XXXX was clear that she placed XXXX bonus points into my account as an apology, and not as some sort of consolation for not meeting the threshold. This would be in addition to the XXXX points if I spent the additional {$1800.00} in the next XXXX.
While I was still on the phone with XXXX, I immediately made an online purchase in the amount of {$2100.00}. XXXX told me that this would qualify me for the promotion as long as it posted by XX/XX/XXXX.
The {$2100.00} purchase posted on XX/XX/XXXX, and I therefore met all the terms.
As of XXXX XXXX, 2020, I had not yet received the XXXX bonus points as promised by XXXX on XX/XX/XXXX.
I called today, XX/XX/2020, and I spoke with XXXX. To my horror, XXXX told me that I do not qualify for the promotion because I did not spend {$4000.00} PER MONTH between XX/XX/XXXX and XX/XX/XXXX!!!
I explained the whole story again from the beginning, XXXX reached out to the retention department, and no one would budge. XXXX apologized but told me there was no way that Citi would award me the XXXX points.
XXXX is now requesting the telephone transcript from XX/XX/XXXX, but she is making no promises that they will help me.
This is downright fraud and I have been lied to.
I have been bamboozled not once, but twice now.
Even putting the initial confusion aside [ {$4000.00} in 3-months versus {$4000.00} per month ], I was told very clearly by XXXX on XX/XX/XXXX that they would honor the promotion if I spent an additional {$1800.00} by XX/XX/XXXX, which I did. I withheld my end of the bargain, and I am entitled to my XXXX bonus points.
I have been lied to by Citibank, and this should not be tolerated.
Is this something that you can help me with, and let me know if you need a copy of my credit card statement.
Thank you,
|
| 05/14/2015 |
Yes |
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Web |
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I have had a credit card account with CITI for over 7 years. For quite some time I have noticed a monthly {$8.00} charge applied to my account from " XXXX '' as the description in my monthly statements. I always assumed this charge had something to do with the interest charged to my account for carrying a balance month-to-month. I am a XXXX year-old, XXXX female, with little-to-no prior history and knowledge of credit card companies and finances. In fact, this was my first ever credit card. After recently going through my financial situation with my husband, we both became suspicious as to the true nature of this monthly fee and decided to investigate further.
I contacted CITI on XX/XX/XXXX via online chat to discuss this re-occurring charge. The first representative I spoke to- by the name of XXXX- indicated that " Watchguard '' was in no way affiliated with CITI Bank and that I would have to contact them directly to question the service. This was somewhat puzzling to me as a simple XXXX search yielded at least XXXX different documents seemingly linking the " XXXX '' service and CITI Bank. After numerous questions, XXXX continued to deny any affiliation between the XXXX entities and urged me to contact " XXXX '' directly at the number provided in the line item of the charge description on my credit card statement. Shortly after this online conversation, I spoke with a representative from " XXXX '' by the name of XXXX, who indicated that he was from the Ohio office location. After describing my particular situation, he proceeded to confirm to me that " XXXX '' service was contracted by CITI and used as a way for people to protect their accounts from stolen cards and fraudulent transactions. Further, he described the method in which the " XXXX '' service was automatically placed on my account in XX/XX/XXXX as a free trial service, to which I was then supposedly required to opt-out of the service before the trial period ended in order to avoid future monthly charges. 33 months later and here we are, {$8.00} charged to my account every month for a service that I never even knowingly opted-in to.
Aside from feeling like I have been totally taken advantage of for the last three years, my husband and I really feel as though this service and corresponding monthly fee is both unfair and deceptive. The manner in which this service is first introduced as a " free trial period '' and automatically applied to a consumer 's account is in no way reasonably avoidable in our opinion. To put it simply, there is just no way I would have ever knowingly entered into any kind of arrangement like this. I really feel as though I was unknowingly coerced into purchasing this unwanted product/service.
Looking back, I am aware that I should have questioned this charge much sooner than now, but have nothing but my lack of knowledge and inexperience with credit card companies and finances to blame. I am not nave enough to believe that I will ever see any of the full {$290.00} that was charged to my account over the years for this service. In fact, as of today I have paid of the entire outstanding balance on my credit card and am seriously considering closing my account with CITI. It is hard to feel any other way but disappointed in how this has all played out. It seems totally unreasonable to me that a credit card company ( or affiliate ) could place a service like this onto an account without consent and then continually charge the very same customer after not taking specific action to opt-out of the service before the " trial '' period ends. My hope is that the CFPB at least takes notice of this service offered by CITI and investigates the matter further.
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| 04/22/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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My wife and I are XXXX retirees. We live on pension and investment income from our savings.
I opened an online Citi XXXX XXXX account with Citibank N.A. XXXX on XX/XX/2022. I made two deposits ( online transfers ) into this account, {$200000.00} from another joint account with Citi [ so that both accounts would be within FDIC insurance limits ] and {$32000.00} from a joint account with XXXX [ to earn the slightly higher interest rate paid by Citi ]. Both of the latter accounts are my joint accounts with my wife. Citi made an interest credit of {$38.00} on XX/XX/2022 and of XXXX on XX/XX/2022, leaving the account with a credit balance of {$230000.00} on XX/XX/2022.
Much to my horror, on XX/XX/2022, Citibank Fraud Prevention sent me an Account Closing Notification, essentially saying that upon reviewing the suitability of their banking relationship with me, Citi can no longer service my account ending in XXXX. The letter also says that if there are any funds that belong to me at the time of closure, Citibank will issue me an official check for that balance to the address on file. The author is not named, and the letter is not signed by anyone.
Simultaneously, Citi also disabled my login credentials for all my accounts, preventing me from any way to verify the balance in my account or to communicate with them expeditiously by verifiable, electronic and secure means.
Citibank has no branch in XXXX XXXX where I reside. My only recourse has been to call them over the phone ( XXXX ). I have called Citibank about six times in the two weeks or so following the receipt of this letter. Calling this number and getting a live representative takes hours. Citi representatives do not share their last name; are not forthcoming with an explanation ; and have hung up on me at least three times. However, in three separate conversations, the representatives ( XXXX, XXXX and XXXX XXXX indicated that : ( i ) Citibank is conducting an investigation of a problem [ while the representatives are deliberately vague, they allude to a cyberattack or hacking attempt against Citi or its clients accounts ] ; ( ii ) however, my funds are safe, all three representatives confirmed that there was a credit balance of {$230000.00} on XX/XX/2022 ; ( iii ) nonetheless, Citibank will not return my funds right away and the representatives can not explain the reason for delay except to say that this is Citibanks process ; ( iv ) Citibank will not confirm the safety of my funds in writing or send me an email to that effect ; ( v ) Citibank will not transfer the funds back into my joint account with them or in any other way allow me to access the funds ; and ( vi ) Citibank will not promise to pay interest up to the date of return of the credit balance.
I understand that every bank should have, indeed may be required to have, a robust defense against hacking. But I am appalled that a global giant bank like Citi can unilaterally close down any clients account, for no fault of his and refuse to return the credit balance forthwith. Why should I as a client be so victimized by Citi, when I have done nothing wrong?
I need CFPB to prevail on Citibank NA to immediately refund my credit balance with them. I do not wish to deal with Citibank ever again. While I don't want to dwell on it, this episode has caused me and my wife grave financial hardship and emotional distress. Frankly, it is completely destroying my faith in the entire banking system.
CFPB or other regulatory agency should investigate if Citibank NA is guilty of similar treatment of other depositors, if such behavior is in violation of banking laws and take appropriate disciplinary action against Citibank NA.
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| 11/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I am a victim of XXXX scam. I received a text and a phone call on XX/XX/XXXX, XXXX ( Colorado time ) from a scammer posing to be a citibank employee claiming to help dispute an unauthorized charge on my checking account. It resulted in opening XXXX new checking account and getting unauthorized approval for a personal loan of {$7800.00} ( I received citibank emails confirming these processed within minutes ) which then the scammer transferred the entire loan amount and about {$1900.00} of my personal fund from those checking accounts to another account via XXXX transfer resulting around {$10000.00} of transfer. The loan was approved on XXXX, XXXX ET ( XXXX Colorado Time where I reside ) XXXX and shows up on my online banking as " ADJUSTMENTS '' transaction type. I will file multiple separate report regarding each XXXX transfer that is recorded on my banking statement. After realizing the fraud/scam/breach, I started contacting Citibank customer service around XXXX ( Colorado Time ) and informed the bank of the situation. I was working with " XXXX '' from " unsecured lending account department '' which she relayed the info and transferred me to " security department. '' XXXX made a comment that usually the approved loan amount does not get processed for XXXX business days and transferred my phone call to " security department ''. The representative from this department processed " blocking '' of all citibank checking accounts and loan accounts under my name, and informed me that the " investigation department '' will contact me for further guidance. I asked multiple times that since " all the charges that were made on this day XX/XX/XXXX are result of fraudulent process and it is shown as PENDING on the bank account '', if they can reverse or cancel the XXXX or loan process charges made this day. They informed me that the while the account is " blocked '' that would prevent those accounts from further transactions, but they will keep the account for the investigation team to collect information from. The call between citibank and myself lasted XXXX. After quickly leaving my work and preparing myself for further follow-up actions, I contacted Citibank again at XXXX ( Colorado time XXXX at home to verify and inquire more about what I can do. The XXXX XXXX of phone call with the Citibank representative repeated the same information informing me to wait for the investigation team to contact me back, and that they have block all related accounts under my name. They also recommended me to open a new checking account so that the refund money can be easily transferred back to me when the dispute is settled which I complied to. I asked them how can I be sure of that the process/action has been made, and the representative informed me that I would be getting the communication via my email or mail. At XXXX, without the mentioned confirmation email of the action against this fraud report sent to me ( I did received an email from Citibank for opening up my new account though ), I contacted the customer service again to verify and to request a written/documented confirmation of the events of this day. The representative repeated the same information mentioned above saying that all accounts are blocked and I should wait for their team to contact me back.
I am reporting that I have NOT received any follow up email from Citibank regarding this fraud that I am experiencing. My online banking is " locked '' from laptop access, but I can still access it from my smartphone and I will report individual charges to CFPB as recommended from the website. Please contact me for any information or recommended actions that I can take from my side. Thank you.
|
| 02/24/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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To Who it may Concern : Hello members of the Consumer Financial Protection Bureau. It is with a heavy heart that I would like to formally put in a complaint against Citibank. Citibank essentially stole my money and refuses to give it back.
On XX/XX/XXXX, an unauthorized charge appeared on my transaction activity. It stated this : - {$1000.00} Debit Card Purchase XX/XX/XXXX XXXX # XXXX CITIBANK , N.A . XXXX XXXX SD XXXX Immediately I knew this was a mistake. I never use my debit card to purchase anything, so I called Citibank to dispute.
On XX/XX/XXXX, I put in a claim to dispute this transaction. They said that the investigation can take up to 90 days, but they will provide me with a {$1000.00} provisional credit during the process. Citibank then sends me a letter stating that if the investigation does not rule in my favor, then they will give me a 5 day grace period before they remove the money. If it rules in my favor, then I would just keep the {$1000.00}. Please see the attachment DOC1.ProvisionalCredit.pdf.
As mentioned, on Friday XX/XX/XXXX I put in a claim. The fraud investigative unit is closed during the weekend, so I expected the investigation to start the next business day. On Monday XXXX, XXXX XXXX, 3 days later, the claim was already closed. They debited the {$1000.00} out of my account, did not provide any letters on why it was closed and the reasoning behind it. When they debited my account, it made my account negative - {$990.00}.
Since XX/XX/XXXX, Ive been calling Citibank and asked them to provide me letters. I wanted a detailed explanation on why the investigation was closed and why it was closed not in my favor. When I asked them, they did not have an answer for me. In the notes of Citibank, it just appears as Other Debit with no notes.
This has been escalated to the highest it an go at Citibank, and they still refused to give me the money back. They stated that the transaction in question was used to pay a Citibank Credit Card ( which I do not own one ) or it was used to pay a Citibank Loan ( which I do not have ).
They said that they were going to email the merchant directly and will wait for a response. I wanted all the detailed merchant information so that I can contact them myself and dispute the transaction. They refused to give me that information as well.
While I was disputing this, I also received a THREATENING letter from Citibank stating they will report me to Consumer Reporting Agencies if I didnt put money back in there within 15 days. I was scared that this was going to affect my chances of getting business financing in the future. I felt bullied to pay this. Please review the highlighted portion of the second page on attachment DOC2.ThreateningLetter.pdf.
After I put the money back into the account, and after I sent in 2 appeals, Im still getting no where with them and I feel like I just gave them {$1000.00} that I can not afford to lose.
Citibank has broken their promises with me. They closed the claim without an investigation and went back on their word on the provisional credit. Then they bullied me into putting more money into the account. Furthermore, they made a number of promises that they will send me a letter within 10 days regarding this. The 10 day mark came and went many times as I called and requested it many times.
I really need your help. I do not know what steps to take next. They are not getting back with me and it has been over 2 months since the claim was closed.
Please help me. I will provide my Citibank information below.
Executive Response/Dispute Unit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Fax : XXXX Citibank Reference Number : XXXX
|
| 11/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I would like to file a lawsuit against Macys Department Store if they dont remove. Many reasons why. Its in regards to card at Macys with only a mere minimum credit line of {$100.00}. The account reflects open as of XXXX on my credit report. It currently shows as a closed account with a crazy balance of {$940.00}! For a XXXX credit limit? It makes no sense? Anyhow I was XXXX at the time and starting my life. Credit was of extreme importance as I needed it for basically everything, its our lifeline and says a lot about a person. Anyhow, because of that stupid Macys card, it held me back from everything involving credit. I have done disputes for over 10 years with XXXX XXXX and XXXX. I have given every reason in the book even and it always comes back as, verified as accurate. If I been disputing for longer than 7 years and a total of 30 payments at XXXX each when the account wasnt used? Thats uncanny and whomevers account it is they need there money back because I have no knowledge of such or even got a notice that account was closed or calls or anything which is weird too? I didnt want to call because every time you talk to them, it remains on your credit another 7 years. Unfortunately just dealt with having to pay high interest rates and wanted to wait the 7 years to fall off but never did! So now its been 14 years and it has depressed me and frustrated me over the course of again, 14 years! This has created and added to major XXXX and XXXX in which I have proof. Anyhow this only adds to my XXXX XXXX state. Im going backwards in life now because of this and am XXXX now and care about my credit is why I am working to repair it. Credit even affected me getting work. I decided to call and look into it and it looks like a total of 30 payments were made at XXXX each and I have no knowledge of such and didnt make sense because credit limit was XXXX! And this is close to {$800.00} in payments and it reflects XXXX closed balance on my credit report which shows 947 % credit utilization over that XXXX limit. I never opened this account and need proof because I have had identity fraud in past which may be on file. Credit drastically drops because of a 947 % credit utilization which shouldnt happen in first place and shouldnt go past the XXXX limit. Thats a discrepancy right there. Anyhow I decided to call and basically -Sorry for the mistake we still got ta send for investigation on Macys side and a 60 day waiting period? I been waiting a decade. Please please help me get this removed. During the payment period and the dates of payments I wasnt even in the country and have proof. I was in XXXX for work during XXXX I also had to endure paying higher interest rates and live in places I didnt like etc. because of my credit score. Again, I am XXXX now and just ready to take action in my life again and just keep being a good person. I want justice even after disputing this so much pain and suffering from this and it has mentally drained me. I thank you for taking the time to read this. Also I have emails from payments in which it addressed XXXX which is same last name as mine! So that poor lady is probably making payments that are not even applying to her account which ends in XXXX I think mine which is not really mine is supposedly XXXX and can see the tangled webs of craziness and have reached my end of how to deal with this. I even have a dated payment from XX/XX/XXXX and account shows closed the same month as well. Macys seems difficult to deal with and Im sure other people have the same issues and some just dont take action. I sincerely thank you for taking the time to read this. Attached to will see 2 different account numbers and names?
|
| 10/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I opened the dispute with Citibank on XX/XX/22, following numerous communications with the company who lied from day XXXX to even get my business. On XX/XX/22 the company in question, XXXX, sent me an email that states " XXXX XXXX XXXX XXXX I am reaching out to you from XXXX. I do apologize for the late response, I was waiting on confirmation to approve the cancellation of your loan.
With any of our third party loans, cancellations after the 3 day period is very difficult as you are subjected to their contract terms, however we were able to cancel your loan with no penalties.
I understand you and your boyfriend felt there were other avenues you can take in taking care of your IRS liability, and I would urge you not to put it on the back burner.
The IRS has just invested millions of dollars and hired thousands of agents in order to start active collections, and some agents can be extremely aggressive and impose garnishments, liens and XXXX 's on taxpayers who are already having a difficult time with day to day living.
I know your experience with us wasn't the best, but I hope with this lastest good news, it will change your perception of us. We really work tirelessly to help any client of ours, and try and do it with the utmost intergity, and I am sorry it wasn't the right fit for you.
If you have any questions, please let me know.
Regards, XXXX XXXX XXXX XXXX Quality Assurance Supervisor '' Additionally, prior to ever using XXXX, I received in writing, proof they have a 100 % money back gaurentee " 100 % Resolution Guarantee or Your Money Back As a TaxRise resolution client, we guarantee enrollment into a tax resolution or your money back.
100 % Compliance Guarantee Upon completion of our services, we guarantee that you will be compliant with all required income tax filings for the contracted tax years and filings.
No-Cost Rejection Appeal Guarantee In the event that an Offer in Compromise is submitted to settle your tax liability, and that offer is denied or rejected, XXXX will XXXX the decision at no extra cost to you.
100 % XXXX Calculations Guarantee If you are required to pay the IRS or XXXX tax authority a penalty due to a XXXX calculation error on your tax return, we will refund you the amount paid for tax preparation and submission for that tax year. In addition, we will amend the return and refile it at no additional cost.
For more information about our guarantee policies, speak directly with a XXXX representative by calling XXXX. '' https : XXXX Citi failed at every opportunity to perform any due diligence in obtaining proof of my claim, but they went to XXXX and requested their proof. I was not represented fairly or accordingly by Citi and Citi has now charged my account {$500.00}.
XXXX. The " 100 % '' money back guarantee should be more then sufficient to reverse the charge, clearly I was not happy and XXXX. XXXX committing fraud and lying voids any contract that was in place.
XXXX. The written email from XXXX confirming my account was canceled without penalties to me is absolutely enough to reverse the charge - Citi never once asked for any proof supporting my claim.
XX/XX/22 Citi closed my dispute saying the company was within their rights, never cited any of the money back guarantee or any of my actual concerns.
Further, I called Citi XX/XX/22 and the customer service rep " XXXX '' did not answer one question, and when i asked numerous times he over spoke me not allowing me an opportunity to speak, and all he did was re-read the letter Citi sent on XX/XX/22 numerous times. XXXX declined my right to speak with a supervisor and did not address any of my concerns but further aggravated me.
|
| 12/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Dates and details below.
I was scammed by a company/owner and started a chargeback since services were NOT rendered by the owner. The owner was supposed to move my personal belongings from XXXX, TN to XXXX, FL. Instead of doing this, they texted me they were leaving my items in a field in TN and not refunding my money. They literally texted me a photo of the location and my things left in the field. I forwarded the text exchanges, the photo evidence, the invoice detailing what I paid them to do, and all other evidence that showed services were not rendered and that I had tried solving this with the merchant who had refused to return my money. I told all this to Citibank and sent all the evidence to them. Citibank did not contact me by phone or email like I had requested while I was out of town and kept sending letters to my home while I was out of town. However, I still filled out the forms they sent when I got home and sent them back to them by email. The forms they sent were the same exact form that I have filled out in a detailed manner and sent back XXXX TIMES now. They just sent me the SAME EXACT FORM for the XXXX and XXXX time as of XX/XX/XXXX. The Citibank call center employee on the phone told me Citibank had misunderstood what had happened when they sided with the merchant and I have asked to speak directly with someone so that does not happen yet again during the appeal process and I can not get a live individual to contact me. They just keep telling me to fill out this form and send it to the dispute center email and then I end up getting a new copy of the blank form a few days later in the mail. This is unacceptable. They have also not responded to my dispute within the required 10 day timeframe for electronic transactions TWICE now out of the 5 times I contacted them by email. I have also contacted them by phone 3 times. It is absolutely ridiculous at this point. They have taken {$600.00} out of my account and given it to the merchant who obviously scammed me and they are doing everything in their power to draw this process out past the appeals timeframe so they do not have to correct their mistake. I have been dealing with this incompetence and these illegal tactics since XXXX. I want my {$600.00} back in my account. I want this process over and done with. I also would like them to be held accountable for their blatant disregard for several federal and state laws. I would be more than happy to send over a detailed document of multiple laws they have broken that you all could fine them heavily for. If you need to contact me, please do so by phone between the hours of XXXX and XXXX EST or XXXX to XXXX EST. Thank you.
XX/XX/XXXX - XXXX time sending dispute form and sending all attachments of proof that the agreed upon services were NOT rendered.
XX/XX/XXXX - submitting appeal request XX/XX/XXXX - filling out same exam dispute form and sending again with all attachments of proof that services were agreed upon and then NOT rendered.
XX/XX/XXXX - filling out same exam dispute form and sending again with all attachments of proof that services were agreed upon and then NOT rendered.
XX/XX/XXXX - filling out same exam dispute form and sending again with all attachments of proof that services were agreed upon and then NOT rendered.
XX/XX/XXXX - filling out same exam dispute form and sending again with all attachments of proof that services were agreed upon and then NOT rendered.
I also called in several times in-betwen those emails to the disputes department. I can get the call logs if needed. They never called me. The only contact I received that they initiated was sending that same form over and over again.
|
| 12/26/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
To whom it may concern.
My Goal IS TO KEEP MY Home!.
I have submitted the same documents several times to CitiMortgage and I have not received a response on my request for assistance namely loan modification.
I started the process for hardship in XX/XX/XXXX. The acquired amount continues to accrue.
My home has a least 50 % equity and I believe that CitiMortgage wants to take it.
When I first sent the requested information to Citimortgage I was only about {$1700.00} in the arrears now it is about {$25000.00}. I have accumulated work that would allow me to resume making payment. I am hoping for a Loan Modification.
I feel that Citimortgage has treated me unfairly during this process. I have express this several times to the executive and 3 specialists Each time that I sent in the required documents, I was told the foreclosure process will cease and I would have an answer within 30 days. As of date, I have not received any decision.
YES I WANT TO KEEP MY HOME, that I worked very hard for!
CitiMortgage has changed my home owner specials three time. This is frustrating because I am not able to establish a supportive communication relationship.
Specialist1 was from XX/XX/XXXX to XX/XX/XXXX..I also sent an email to Ms. Specialist1 stating my concern. I reached out to Citimortgage executive office on XX/XX/XXXX concerning the status of my loan modification. She made excuses about Specialist 1 being on vacation. My last correspondent form Specialist1 was XX/XX/XXXX.. She stated again that my documents were with the underwriter..
In XX/XX/XXXX I was assigned a new home owner specialist that I was not aware of until I called in XX/XX/XXXX ... Specialist2 he requested previous documents that I had already sent in. I complied and was told that My documents were with the underwriter on XX/XX/XXXX ...
When I spoke with with Specialist 2 in XX/XX/XXXX-XX/XX/XXXX, he informed me that I had been reassigned a new homeowner specialist.. Specialist3 also requested some of the same documents along with a new requested document Dodd- Frank Certification .As of XX/XX/XXXX, Specialist3 informed me that my documents were with the underwriter, I do not understand why Citimortgage is treating me this way. I have complied with their request of documents. Why such a long delay for a decision? ..
It appears that I am being mislead and perhaps there is a deceptive practice going on here.
I believe that I am being taken advantage of. It appears that I am running a race and when I get close to the finish line, the race get extended, On XX/XX/XXXX or XX/XX/XXXX, I spoke with an agent about my concern and he assure me that Citimortgage does not want to take my home and no I do not need an attorney. How could I be so nave.
Recently I received a letter from collections. I am not sure what this is about. If my documents are with the underwriter, them why I am receiving this document from collection. Who are these people requesting a letter from me?
I have returned call from CitiMortgage in which the person on the phone would not give me their ID number. It appears that it was an out source company they may perhaps be connected with Citimortgage. Their were children playing in the background. Therefore I was not sure if the other person on the phone was legitimate. I hung up. This happen a couple of times last week.
I have always acted in good faith with citimortgage and I now believe that Citimortgage does not appear to be dealing in good faith with me.
I am confused, disappointed and frustrated. I do not understand why Ctimortgage have not helped me to keep my home.
Please assist me in this process.
IT IS MY GOAL TO KEEP MY HOME!
Thank you
|
| 06/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
|
On or about XX/XX/2021, I placed an online order with XXXX for a refrigerator. The purchase was made using my Citi AAdvantge Card. On XX/XX/2021, at XXXX XXXX I received a fraud alert from Citi Cards asking if I was trying to make the referenced purchase. I did not immediately see the message, when I did see the message I indicated via the message system that I did try to use the card. I then received a second e-mail stating the purchase was declined, but the card was now ready to use.
We contacted XXXX customer service to explain why the card was declined and to reinstate the purchase. The wait times for XXXX Customer service are over 1 hour. Additionally, the appliances are placed back in a queue if not shipped when payment is made- delaying delivery. The average wait time for appliance deliveries is around six weeks. ( Order number XXXX. The amount of the purchase was {$1800.00}. ) On or about XX/XX/2021, I received an e-mail confirmation of the order. On XX/XX/XXXX at XXXX XXXX, I received a fraud alert from Citi Cards. It indicated I needed to contact their fraud number at XXXX. I phoned the number and spoke to a representative. I explained that the purchase was again declined. I also explained the long wait times to get appliances and that I did not have a refrigerator to use. I was assured the card was ready to use. We contacted XXXX and explained the situation. They indicated that they would rerun the card and ship the appliance as soon as possible.
On XX/XX/2021, I received a fraud alert indicating I needed to call the previously mentioned number. It should be noted this message was received at XXXX XXXX and I did not see it until later in the morning. I again phoned the fraud department of Citi Bank. The representative acted as though this was the first time this issue was raised. I asked that she please read the computer transcript so she would understand the issue. She indicated that she could stay on the line if I wanted to call XXXX and have them authorize the purchase. I explained that you cant just call XXXX ( as previously stated, wait times are over XXXX hour for customer service ). I tried to get the representative to explain how I should resolve this issue. She said the card would be unlocked until XX/XX/XXXX ( as I recall ) and XXXX would have until then to run the card. I explained that there is often a long lag time from when the card is authorized and when they charge the card for shipment.
At this point, I told her I understood she could not do anything else and I asked to speak with someone who had the authority to assist me. She stated she would contact a supervisor and I could speak with them. Eventually, I heard someone on the line but was unable to hear who it was. After several seconds I heard some intermittent background noise and a clicking sound. I asked several times if anyone could hear me, but did not receive an answer. I stated that I couldnt hear anyone speaking and held the line for several minutes, after which it was clear I was no longer connected.
We attempted to phone XXXX again, but the representative was not immediately able to determine if the order had been completed. I do not know if the order went through and will have to wait to call XXXX later to see if the order status has been updated.
Complaint : 1. Citi Cards is not upholding their financial duties and has essentially denied me the use of my card. This despite the fact I pay my card balance in full every month and have never had a late payment. I maintain a FICO score of over 800. I have met all terms of the Card use agreement and expect Citi Cards to meet their obligations and resolve this issue without delay.
|
| 09/04/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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In 2013 I had no choice but to claim bankruptcy. My wife fell XXXX and was forced to close her XXXX after over 20 years. I was still recouping from the market crash XX/XX/XXXX-XX/XX/XXXX. CitiMortgage was holding both my original mortgage and my XXXX mortgage. Some how during my personal bankruptcy my home and my wife were dragged into it by the trustee. I had to pay off the trustee XXXX just for him to approve my bankruptcy. I wanted to opt out of my bankruptcy but my lawyer mad me stay with it assuring me my wife and home were safe. During this time I fell three months shy in my mortgage payments with CitiMortgage. When I sent in the entire three months amount our checks were returned to us with a letter stating we had to pay the full loan amount and they would not accept our payments. We now applied with Citi for a Modification. After constant delays, claims they did not receive paperwork etc, we were told we cant do anything unless our original mortgage was paid off and our home is now going into foreclosure. Call after Call, letter after letter with threats to foreclose on our home is one of the reasons my wife became ill. I borrowed money from my mother and paid off the original loan. Now we started the application process for the modification loan again with Citi. Once again. Constant delays, Claims they never received the paperwork, We even sent the third set of docs certified and had the persons name who received our docs. Even though we had proof we sent the docs on time, we were told our time limit has expired and there is nothing they can do except redo the application again. This would be the forth time and months of XXXX. Finally we got a modification but not for the terms I was told they would be. I was told we would get a low interest mod. I received the mod papers and was shocked at the 40 year term at over 8 % interest. The XXXX dollar a month payment only pays approx. XXXX per month toward my principal. I called and complained but got nowhere. Between a rock and a hard place I signed the loan just to keep us out of foreclosure. I was told after six months we could refinance for a lower rate. Well after six months of payments Citi sold our loan to XXXX XXXX. Now I am at square one. Keep in mind my home is worth over XXXX and we own less than XXXX. We can not afford a lawyer and I have been told my modification and foreclosure threats were done illegally and I could have that entire loan dismissed but would need to hire a lawyer. Being I can barley afford to pay for toilet paper, obviously I cant pay for a lawyer to stand up to the monopoly that has taken full advantage of my families hardship. The stress of this three year ordeal has taken its toll on my entire family. Something has got to be done and I have reached a dead end with all of this. I have paid my bills on time for over 30 years only to be rewarded by getting screwed over when my chips were down. Please help us. My wife and I worked hard for what we have and now are being punished due to an economy that fell XX/XX/XXXX-XX/XX/XXXX topped with crooked lenders taking advantage of citizens they know cant afford to go up against their team of high paid lawyers. People like me cant afford to prove the corruption and illegal actions these big lenders like Citi are getting away with. It makes me sick when I look on line at all the complaints against Citi alone. A majority of them is like reading my own situation. But yet they just keep getting away with it because they know can and there is nothing a peon like me can do about it. I do not have high hopes for this complaint to go anywhere but I have nothing to lose. CitiMortgage already made sure of that.
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| 01/26/2016 |
Yes |
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Web |
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COMPLAINT AGAINST EXXON MOBIL Exxon has refused to provide answers to questions requested by me and my attorney to support the reporting of derogatory information to XXXX, XXXX and XXXX regarding an alleged debt to my account.
On or about XXXX XXXX unauthorized charges were made to my Exxon Mobile credit card ( by Exxon. ) If Exxon mailed statements they were sent to an incorrect mailing address. Additionally, any contact information Exxon had on record, including my email, work address and phone number were incorrect as well.
I discovered this in XXXX XXXX when I reviewed my credit report. I noticed Exxon put derogatory remarks regarding late payments made to Exxon on my XXXX, XXXX and XXXX credit reports. In response, on XXXX XXXX, XXXX, I called Exxon and spoke with their representative XXXX and I explained to him my situation. XXXX confirmed that Exxon did not have any current contact information. I told him that I did not have possession of a valid Exxon credit card, never activated a new credit card and have not received statements for quite some time, because I stopped using the card.
I provided XXXX my current address and contact information as well as requested that my Exxon account be cancelled. After we spoke about the balance on my card, XXXX put me on hold and spoke with a supervisor. When he got back on line he told me my card would be cancelled and that all charges and late fees on my account would be removed. Since Exxon is not a philanthropic organization I am sure they realized this situation was just a big mistake and not my fault so their reversing of all charges was the appropriate action to take.
XXXX of XXXX, I filed a dispute with the XXXX credit bureaus regarding the late payments reported by Exxon. In my letter I explained to XXXX, XXXX and XXXX that Exxon determined no legitimate charges were made, no balance was ever due and no payments were necessary or required. In my letter I asked XXXX, XXXX and XXXX to remove all derogatory reporting regarding late payments. I was surprised that in their response to my letter, dated XXXX XXXX, XXXX ( Attachment # XXXX ) Exxon stated that the information reported to the credit agencies accurately reflects my account history and the reporting can not be changed.
Again, On XXXX XXXX, XXXX I sent another letter to Exxon, XXXX, XXXX and XXXX. ( Attachment # XXXX ) requesting Exxon to explain how they can legitimately report late payments ( now 90 days ) to an account where all charges were reversed, no balance was due and no actual payments were ever made. In Exxon 's response dated XXXX XXXX, XXXX they stated that the information they reported to the credit agencies accurately reflects my account. Additionally, ( Exxon ) did not provide the information I requested regarding how my account balance was reduced to XXXX and how you can be late making a payment on a zero amount due. ( Attachment # XXXX ).
As a result of Exxon 's refusal to provide verification of debt or how the balance due was paid, on XXXX XXXX, XXXX my attorney XXXX XXXX XXXX sent a letter to Exxon and the credit bureaus. Requesting verification of all legitimate charges to my account and to verify the nature as to how the debt was satisfied. ( Attachment # XXXX ) Again, Exxon sent back a ( form letter ) reply dated XXXX XXXX XXXX, stating that the information reported to the credit agencies accurately reflects my account history. Exxon refused to answer any questions ask by my attorney XXXX XXXX and did not verify the debt nor did they provide him the additional information we requested that was sent to the credit bureaus in response to my dispute. ( See PDF # XXXX Exxon XXXX XXXX XXXX Reply.
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| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
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In XX/XX/2020, CitiBank alleges that they didn't receive my {$22.00} check that was mailed 3 to 4 weeks prior. So, I gave them a check by phone to get the account current, but asked that they please notify me of receipt of the missing check as soon as it is available. They received the check, allegedly the same day, but instead of notifying me, they cashed it BUT DIDN'T POST TO MY ACCOUNT. Then came XXXX and the MISSING CHECK still wasn't posted. I called again and told them that my bank shows they cashed the check, but they gave me the runaround and finally HUNG UP THE PHONE when I asked for a supervisor. I called back and after 20 minutes or more, they picked up. I again asked for a supervisor, but this time I was left on hold for over 30 minutes and then HUNG UP ON AGAIN. Now, they DO NOT WISH TO RESOLVE THIS ISSUE!
I told them that unless they could find where my check was posted and show it to me, I no longer wished to have this service. The supervisor was all apologetic and told me they would find the check and get back to me. Well then came XXXX. Again, the check was not posted and I called to cancel everything. They tried to discourage me by giving me to agents who couldn't or wouldn't help but I stayed on the line. I finally got a sympathetic agent who said she would fix the problem before the XXXX statement. Now, I don't know if you are aware, but they sourced out the account to the XXXX for servicing and although they speak XXXX, their XXXX is XXXX. After going around and around in the hold pattern, I was finally given to an agent who appeared to want to help me. We did a 3 way with CitiBank, the XXXX and me. I went through all the problems and gave them dates and check numbers but after all this, THEY DIDN'T FIX THE PROBLEM. Now each month they removed the interest and late fees, but then the next month they were there again. Now this seems to be an inherent issue with CitiBank and I sincerely want you to do a deep dive into their practices. If you look at my Credit Score, for the past 45 years, YES 45 YEARS, I have NEVER been late on a single payment and my credit score was well into the XXXX and EXCEPTIONAL!!!! Now, because of XXXX XXXX issues with my Credit Hold and their inability to address a new charge on a XXXX XXXX inquiry, my credit score has been slowly dissolving until lately. Now, I don't know which issue is causing the most damage, but when I tried to give you all the particulars in the dispute, I was quickly shot down by the dispute department. YOU are there to SERVE your customers and YOU should make every effort to resolve disputes in the CUSTOMER 'S FAVOR!!! NOT THE BANK ...
Finally, I tried again to resolve with XXXX, only to be dismissed by the dispute department without so much as a followup email. I believe CitiBank is practicing banking at its worst, by charging its customers for all the fees and interest that they do not deserve!!!
You, as a government agency, must protect the citizens from unusual and unfair banking by the customers as well as by the banks. I have had a PERFECT SCORE up until XXXXXXXX XXXX XXXXXXXX XXXX up and then this Citibank XXXX. LOOK AT MY CREDIT SCORES FOR THE PAST 45 years. Do you think that now, at XXXX XXXX XXXX, I have decided to be a credit risk????????? The answer is NO, one thousand times NO!!! And for you to take the word of a XXXX in a far away country who doesn't have a handle on REAL XXXX and who is operating on an overnight schedule is ABSOLUTELY APPAULING!!!! Look at my credit scores and let me know how this XXXX happened in the first place. That is if you REALLY want to resolve the issue or if you only want to kick it down the road like before ...
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| 06/05/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Citi bank sent me a promotion to open an account and receive XXXX flight points.
On or around XX/XX/XXXX I opened the account online with their promotional code provided. They completed an electronic withdrawal from my XXXX business account on XX/XX/XXXX. I received a call on or around XX/XX/XXXX that a copy of my ID needed to be provided. I went and provided it and the banker stated my card would come in the mail.
I never received a call or my card, but on XX/XX/XXXX I received and email there was a problem with my account. I visited the branch on XX/XX/XXXX to deposit the funds per email via check and was informed my account was closed by the fraud department and I would need to open a new account.
I called XXXX customer services and filed a complaint that my account was closed with out my knowledge. The funds previously wired were returned to my business account.
I reopened the account at the bank branch on XX/XX/31 and deposited a check for XXXX. The check cleared XXXX on XX/XX/31. I went to use my debit card on XXXX, XXXX and XXXX and my transactions were declined. I called XXXX on XXXX, the rep stated another fraud hold was placed on my account and I would have to call back Monday XXXX to speak with that department.
I called back XXXX and was given the run around. The XXXX rep told me XXXX called XXXX and was told the XXXX account didbt have the funds to to cover the check. When I explained to the rep it was my account and the check had cleared, she stated that we would need to call XXXX on 3 way. There was a long hold and when she came back she stated I would need to enter my account number. Then when I told her I didbt have it that we would need to connect to a XXXX rep she stated I would need to call back with the account number. I explained to her that did not make sense Bc she just told me they called XXXX and was told funds were not available. I requested a supervisor and she placed me on hold for XXXX minutes, then rerouted me to regular customer service.
While on hold I called the XXXX number back and was told the fraud department doesnt call banks they verify though an electronic system.
Once the fraud department was back on line, I requested to speak with a supervisor and XXXX rep ID XXXX refused to transfer me with verifying my account. Once transferred to supervisor XXXX in the fraud department I explained to her that I would like her ID number for my formal complaint she refused. I asked for the previous rep name and ID for my complaint she refused. I asked for her managers info she refused. And stated she would file a complaint on mr behalf.
When my account was previously closed without notification a complaint was filed, and I have yet to hear a response from XXXX on that complaint.
All of the reps have given me inconsistent information on the status of my funds and have not been willing or able to resolve this issues timely.
The fraud department at XXXX is incompetent to say the least. XXXX sent me a promotion, I have XXXX XXXX cards. Im an established customer with could be easily verified within their own internal systems. The closure of accounts ands holding of funds is negligent.
The promotion I opted in for requires debit purchase and bill payment set ups. I have been unable to sastify these requirements Bc they froze my funds and held my accounts so Im unable to set up bill payments.
XXXX needs to release my funds immediately and waive the bill payment and debit purchase due to their errors. I opened the account with specific purchase and bill payments and now due to their errors I have had to pay these these bills with other funds and make these purchase with other funds.
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| 11/17/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Fact, The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices.
Fact, XXXX is aware and has proof that XXXX XXXX XXXX is in violation of 15 usc 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXX XXXX XXXX did not receive any prior consent from me.
Fact, XXXX is aware and has proof XXXX XXXX XXXX is in violation of 15 usc 1692g. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; Fact, XXXX is aware and has proof XXXX XXXX XXXX is in violation of 15 usc 1692d. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person. A negative account hurts my financial reputation.
Fact, XXXX is aware and has proof XXXX XXXX XXXX is in violation of 15 usc 1692 ( d ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt.
Fact, XXXX is aware and has proof XXXX XXXX XXXX is in violation of 15 usc 1692 ( i ) ( a ) ( 2 ) ( a ). Any debt collector who brings any legal action on a debt against any consumer shall in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity in which such consumer signed the contract sued upon.
Fact, XXXX is aware and has proof XXXX XXXX XXXX is in violation of 15 usc 1692 ( j ) ( a ). It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Fact, XXXX is aware and has proof XXXX XXXX XXXX is in violation of 15 usc XXXX. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure.
( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector.
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| 11/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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A Charge with XXXX XXXX XXXX XXXX has special pricing contract with XXXX XXXX XXXX because involved with a claim on car accident. Promises made by XXXX were not honored by XXXX. Then when car returned charges were far higher than what was arranged via XXXX XXXX contract they have. Its a bait and switch open end fraud that XXXX regularly engages in. When car returned they dont honor XXXX XXXX pricing but end up charging retail highest price. XXXX refused to provide detailed invoice in attempt to resolve. Called corporate and they all railroaded and blocked me from any invoice and moved forward to charge credit card. I had no other choice than to file a dispute via credit card and Citibank. Boy o Boy was I mistaken that Citi would back me up.
I proceeded to dispute to ask Citi to assist in obtaining the invoice to attempt to resolve. Dispute opened XX/XX/2022, response to Citi via there email XX/XX/2022 to there Billing disputes email. I have proof it went through. Citi is motivated by always saying " we tried to reach you but you never responded '' ... This is a total lie and can be proven that response by email exists on XX/XX/2022. Citi has a pattern of claiming that cardholder fails to respond. I have seen this response before that its a fraudulent pattern of portraying that cardholder doesn't respond, Please investigate. There Citi App has alert sign up but its intentionally being blocked to make alerts easy to get. When getting alerted is impossible, non existent or very difficult to meet the dates and then Citi regularly default 's that that cardholder didn't respond. This default is Citi 's genuine desire. This is totally fabricated by Citi and they do not act in good faith. This is a pure example. The truth is they really don't want you to respond. They would rather make there files appear that they did everything but cardholder didn't respond. This is Bank Fraud and conspiracy to deprive a cardholder of there federal rights to dispute a transaction and have a genuine portal and clear communication to help them resolve a false charge. Citi is corrupt and this is surely a pattern. There is not a genuine attempt by Citi to comply with Federal Law to handle disputes. Rather they strangely always claim they are not getting a response from cardholder. Investigate Citi immediately. I responded XX/XX/2022. Citi makes excuses that its not legible or didn't receive which is total fabrication of the truth. They are hiding behind technology difficulties but the truth is they are intentionally not wanting you to be able to respond and make alert set up blocked on app and dont want an easy way to be alerted. This a similiar Bank stunt or fraud Banks engaged in with mortgage crisis. With that time " there claim would always be they didnt get the documents ''. Totally false and total play of client. Once XXXX responded with False invoice charges I wrote a 4 page letter sent to Citi XX/XX/2022 breaking all detail down and awaited response. I got no response because they had retroactively just closed out case and refused to admit to there intentional mishandling in a genuine good faith attempt to resolve. They have no proof of receiving email response sent to billing disputes email at Citi. They make excuses that they didn't get it, its not legible etc. I'm waiting for them to use the excuse there dog ate it. Investigate how many times they don't get response. Investigate how they block the cardholder alerts being set to ensure and better outcome. Its a conspiracy for sure. They want to look or appear like they complied but genuinely do not comply with Federal law and really seek to tell client to deal with merchant on there own.
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| 06/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On or about XX/XX/XXXX, I gave XXXX XXXX XXXX my credit card via a telephone number for a deposit to purchase glass and supplies to install shower doors in my house. The amount of the deposit was {$4900.00}, which was XXXX the cost of the job. I never authorized the company to make another charge on my card after that.
On XX/XX/XXXX, around the time XXXX XXXX finished installing the doors and the total amount became due, XXXX XXXX charged my card an additional XXXX. I did not authorize them to charge my card because we had not yet done an inpsection, but nevertheless, the money was owed by me.
On XX/XX/XXXX, XXXX XXXX charged my card a third time without any authorization from me in the amount of {$4900.00}. This was {$4900.00} over and above any agreed upon price for the shower doors.
On or about XX/XX/XXXX, upon noticing the unauthorized additional charge in the amount of {$4900.00}, I immediately reached out to XXXX glass. I followed up with the company via email on XX/XX/XXXX.
On XX/XX/XXXX, the owner of XXXX XXXX XXXX XXXX XXXX XXXX ) sent me an email stating, " I was able to find the charge. I will issue the credit today. '' On XX/XX/XXXX : XXXX XXXX sent me an email with a refund receipt attached. The refund receipt was for XXXX.
On XX/XX/XXXX, I noticed that the credit had not been applied to my credit card account so I sent another email to the company. The owner responded, " looks like the credit I issued made our batch sales negative and iI eeded to force it through. I didn't realize I had to do that. I have reissued the credit. You will see it on your next statement. I am sorry for the confusion ... '' I waited for my next statement but the credit never appeared. The company then stopped returning my calls and emails.
I filed a dispute with Citibank on or about XX/XX/XXXX. In response, Citi Cards issued a conditional credit in the amount of {$4900.00}.
Citi Cards asked me to provide information supporting my claim. I provided all the written email exchanges I had with the company wherein the owner, XXXX XXXX, agreed that the charge was unauthorized and that he would refund my account. The merchant himself admitted in writing that the charge was unauthorized.
Over the course of the next 2 years, Citi Cards has been allegedly investigating this matter. They have sent me at least 7 letters stating that they were contacting the merchant 's bank to resolve this.
On XX/XX/XXXX, Citicard sent me a letter stating, " We have received the information you provided regarding your dispute. We attempted to resolve this dispute with the merchant or their bank. They are unwilling to issue credit. Our investigation remains closed. We now consider this investigation complete. '' Citicards also charged my card back the {$4900.00} on or about XX/XX/XXXX.
I called Citicards dispute department on that same day to ask if they could reopen the case or if I had any recourse to recover the money stolen from me. They told me no. They said since I authorized them to use the card on XX/XX/XXXX, I am responsible for the unauthorized charge nearly a month later.
I only authorized them to take a deposit over the phone XXXXne time. I certainly did not authorize another charge 10 days later for nothing. If this logic were sound, that would mean no one could ever give payment over the phone because if the merchant wrongfully used the card at a later date the consumer would be responsible. Even the merchant admitted in writing that the charge was unauthorized.
I provided Citi card with all the supporting documents, dates, and information, including several emails from the merchant acknowledging the charge was unauthorized.
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| 01/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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My name is XXXX XXXX, I am writing this letter to complain about the unfairness of the Investigation Department, Security Services at Citibank, NA / AAdvantage, in regard to a credit card, which was used by someone other than me in the XXXX XXXX XXXX store on XXXX XXXX.
In XX/XX/XXXX, I went online to make a payment to above credit card.
I inquired why my balance was so high, as I didnt remember buying anything lately, as I have Auto Pay and dont use the credit card much, nor do I get statements. I was informed that a purchase had been made on XX/XX/XXXX, at XXXX XXXX XXXX Store # XXXX in XXXX XXXX XXXX XXXX, for the amount of {$7000.00} for jewelry.
I informed her I didnt make the purchase, she agreed to put an investigation on it. The credit card was cancelled, a new one was sent to me in the mail with the {$7000.00} charge on it.
I received the statement copy, sent to me, looked over the charge on my card, which bothered me, but I thought it being a mistake, itll get fixed.
On XX/XX/XXXX, I called Citibank N.A. /AAdvantage again, I spoke with XXXX XXXX for another investigation as I have never been to XXXX XXXX XXXX as stated on the statement, nor have I ever been or purchased anything in a XXXX XXXX XXXX XXXX.
I received a letter on XX/XX/XXXX, from Citibank , N.A . Security Services stating, Investigation was completed, and the dispute is now closed, making me responsible for the charge because the charge card was in my possession. Making me the scape goat for this charge!
On XX/XX/XXXX, I decided to do my own investigation, I called XXXX XXXX XXXX, after speaking with the fraud department, I was informed, XXXX XXXX XXXX do not require signatures on their receipts any longer and their videos are not available after 30 days, which is what I had asked about, to verify it wasnt me in the store making the purchase. I was also informed me that there were no notes nor any indication Citibank N.A. /AAdvantage had done any investigations on this incident, it appears no one has followed up on who really made the purchase. Im willing to take a lie-detector test or whatever it will take to prove the purchase was not done by me.
Im XXXX years old, I live alone and live on {$1500.00} a month Social Security check. My husband passed away on XX/XX/XXXX, my XXXX adult daughters are married and responsible citizens. All living here in Florida. If an investigation needs to get done on any of us, we are all willing to take lie detector test and whatever methods to prove Im telling the truth.
This {$7000.00} charge needs to be taken off my Citibank N.A /Advantage Credit Card , as I did not make the purchase, nor did I authorize anyone to use my Credit Card XXXX
Whatever needs to be done to prove Im not responsible for the {$7000.00} purchase, at XXXX XXXX XXXX. I will do.
I dont know how this could happen, but I will not pay for something I didnt buy. Credit Card numbers can be inverted by someone not seeing too well and with all the technology out there, anything can happen, and it does.
XXXX XXXX XXXX must have receipts showing a signature, videotaping by the store must have been done. XXXX XXXX XXXX is a prestiges store, how could they allow this to happen?
{$7000.00} may not be a lot of money to XXXX XXXX XXXX, but to me its an overwhelming amount of money. Ill fight this until it is removed from my credit card, and credit reporting agencies.
Im XXXX years old, I'm having sleep-less nights, stressing over my credit being ruined, if I don't pay this off and getting sick thinking someone's using my identity to make purchases without my knowing it. How can I protect myself against all the scammers in the world today?
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| 11/17/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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With the help of the Consumer Fraud Complaint Unit of the New York State Attorney General, in XXXX we began to investigate a fraud on the homeowners insurance policy for my residence located at XXXX XXXX XXXX, XXXX, New York XXXX, located in the TOWN OF XXXX, XXXX XXXX, NEW YORK.
All my family business was being handled by my lawyer of 10 years, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York. I did forward documents pertaining to the homeowners insurance policy to XXXX XXXX. Soon after, XXXX XXXX XXXX, my Attorney of ten years, accused me of harassing him and I did visit his office with a witness to deliver a cease and desist notice for all my information that he did represent me for. In XXXX, with the help of the Office of the NYS XXXX, we did determine a fraud on the homeowners insurance policy and the policy was cancelled, Citimortgage was notified via certified mail, of the fraud and of the fact the XXXX XXXX was no longer retained as my legal representative. In XXXX XXXX, Citimortgage did notify me that it was within their right to obtain an insurance policy for the residence for which they claimed to hold the mortgage for, this correspondence was once again incorrectly sent to the law office of XXXX XXXX as XXXX XXXX XXXX XXXX. And ownership of the mortgage remains in dispute from documents received in XXXX that they sent me indicating the XXXX XXXX group, XXXX, NY holds the mortgage. In XXXX XXXX I did receive documents from Citimortgage indicating that they obtained an insurance policy for the home via XXXX, XXXX XXXX XXXX XXXX located in the COUNTY OF XXXX, in XXXX, XXXX XXXX had listed the policy delivered through the mail addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX OFFICE OF XXXX & XXXX XXXX XXXX XXXX XXXX NY XXXX. Documents were sent certified to Citimortgage, via XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX which is the insurance processing center for Citimortgage Inc, to notify them of the insurance fraud which was determined and to notify them once again the XXXX XXXX XXXX, XXXX XXXX XXXX is NOT the legal representative for my family. We have NOT received a response.The policy in place is once again fraudulent. A mortgage fraud has been determined via counsel for Citimortgage at the XXXX County Supreme Court, XXXX, counsel is XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. This is the fourth fraudulent foreclosure attempt. XXXX XXXX is in collusion with XXXX XXXX XXXX representative XXXX XXXX, located in the Citibank XXXX XXXX XXXX, XXXX who held an auto insurance policy on me in XXXX and staged an auto accident upon me to enable me and my children to be followed and stalked away from the family home. XXXX XXXX was my lawyer, he did serve Summons and Complaint to the driver who struck my car, he filed the papers in the wrong name. When I asked him why, he claimed I harassed him. Soon after my young daughter was stalked until she ran away from the family home. The previous homeowner suffered the identical crime. When she tried to report it to the XXXX Police XXXX Precinct, she was called crazy. XXXX XXXX was the XXXX XXXX Attorney for the the XXXX Precinct. I was called crazy when I tried to report this identical crime. My family continues to be menaced by XXXX Precinct officers and receives traffic tickets every month. With the help of the XXXX we discovered a fake accident listed on my XXXX Report. The accident occurred in XXXX. A ring of XXXX criminals ran a staged auto accident ring there and staged XXXX accidents, " Pop '' XXXX XXXX was arrested. This is part of the ring operating in XXXX, NY that stages accidents and stalks homeowners from their homes. Investigate it.
|
| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
|
|
I'm contacting you to dispute all negative demerits on my credit report regarding best buy. The company is very dishonest and tells mistrustful information to receive money. I finally have the time to contact you about my disastrous relationships with the company and their line of credit. I thought that Best Buy was a legit store, but it has some of the worst operations and logistics of all the retailers.
First off I did not use the credit card for months. I did not need to buy electronics at the time, so I did not use them. I wasn't gon na go off spending money on a XXXX that I could not afford. The card sat on my desk unactivated. I already had a XXXX from XXXX.
I was proud of myself for earning a good credit score and therefore earned the right to have credit for this store. I always wanted a Best Buy Card.
Then An emergency arose and I had to move into a new place. So I thought the card would be handy, and it was to an extent. And if the record is checked I really only bought things that are considered essential. Things such as the XXXX XXXX and XXXX XXXX Ordering from them was drama because things would come up as delivered and I would never receive them. I ended up getting refunded several times because orders never came to the right address and I would be furious and disappointed. It also made me look dishonest because this happened so frequently. Eventually, I stopped ordering items to be delivered and a family member picked them up for me.
At the same time, because of the new apartment, I also was forced to purchase furniture using XXXX. My interactions with XXXX were perfect. I received the products I ordered in days and have enjoyed the mattress kitchen table and other products. So XXXX XXXX and other companies besides best buy handled the logistics of their business well. Also, they were paid automatically and XXXX over a period of three months. But if I did not receive the product and was charged hundreds of dollars we would have a similar problem as with best buy.
Best buy is the worst company that I have ever purchased anything from. In XXXX I purchased a XXXX XXXX XXXX XXXX XXXX to go in my living room. This order was placed on XX/XX/XXXX. I never received the fireplace but it showed up as delivered. I have had to hound this company for months for a XXXX dollar refund. And the credit was finally added back to the card on XX/XX/XXXX. That's 3 months for a refund. I waited for months for the product to arrive and the delivery date kept changing until one day when I looked at the tracking info and it came up as received. I ended up having to chat with someone online several times about the fireplace that was XXXX dollars and eventually I was told that the product was out of stock and my order had been canceled. Even with them knowing that I had not received the product there was still a XXXX charge on my account for months. I chatted several times about this and in the midst of trying to get a refund my credit score plummeted. The store was reporting that I was not paying the money that I had borrowed from Citi but they were not saying it was because they owed me XXXX dollars and took several months to repay me. I refuse to pay a company that owes me money and these situations are not black and white. Best buy is the worst purchasing experience that I have ever had with any company. And considering the reviews and ratings in the XXXX, a lot of consumers agree. This company takes advantage of people and I want to make sure that poor customer service doesn't reflect badly upon me concerning my credit. I'm disputing everything with this ridiculously trashy company that can not handle simple operations.
|
| 10/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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|
XXXX XXXX XXXX ( Social Security XXXX ; CA DL XXXX ; DOB XX/XX/XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX Acct # XXXX ( previously Citibank acct No XXXX ) Dear CFPB We have written multiple times to XXXX, Citibank and CitiMortgage without any help from them ; three separate letters to them and additional parties as noted at the bottom of the letter have been notified.
Multiple copies of all my written notes, telephone conversations, drivers license, utility bills have been sent to the companies on this letter and those cc 'd below.
We are writing to get your help with XXXX Acct # XXXX ( previously Citibank acct No XXXX ) which had negative information reported for XXXX XXXX ( XXXX XXXX ) and XXXX XXXX ( Social Security XXXX ) in XX/XX/XXXX to all three credit bureaus.
We are loyal Citibank Private Banking clients. We have 2 home loans with Citibank, a line of credit with Citibank, Citi Prestige Credit card, Citi XXXX XXXX XXXX credit card, and Citi brokerage account with over {$1.00} XXXX balance.
We have been very timely and careful with our credit usage at Citi. A review of our account will show we have paid everything in full and on time. We pride ourselves in being diligent in paying our bills.
My wife and I are both surgeons with a busy clinical practice. We are in the process of buying a Covid-19 testing machine and a credit check revealed this negative information which precludes buying the machine.
The account was setup for XXXX automatic payments. We had noted in XXXX that an error with XXXX had occurred and had called Citibank at XXXX on XX/XX/XXXX to XXXX in customer service. She said, This is a problem with XXXX. We know you made the payment on time and you are accelerating your payments. This will not be reported to the 3 credit reporting bureaus. We called again on XX/XX/XXXX, and XXXX at Citibank confirmed, This information has been corrected.
We are attaching a copy of a recently obtained XXXX report which corroborates the negative information reported to XXXX and XXXX. I have spent the past two weeks contacting you via phone to rectify this error.
The XXXX issue originated on Citibanks end. We are ccing our Private Bankers to follow up with this.
We are very loyal customers and we hope you will be able to correct this information with all 3 bureaus for us for both XXXX XXXX and XXXX XXXX.
Our community is suffering from Covid-19 cases. We hope you will be able to resolve this credit issue expeditiously please for the sake of our community.
Despite multiple attempts, we have not had our credit report corrected. Because of my concern about the negative credit ramifications, we paid all outstanding fees because we are loyal Citibank customers. The people at Citibank we spoke with acknowledged that mistakes with XXXX routinely occured. They assured us that there would be no negative credit information reported.
We are attaching a copy of a recently obtained report which corroborates the negative information reported to XXXX, XXXX and XXXX. I have spent the past two weeks contacting you via phone to rectify this error. I do not feel it is fair despite multiple calls to correct this situation that I should have this negative information in my file.
Please find attached our handwritten notes of phone calls, the Citi Private Bank letter of support, credit report and a copy of our drivers licenses.
Sincerely yours , XXXX XXXX XXXX cc : Attention Cenlar Credit Disputes XXXX XXXX XXXX XXXX, NJ XXXX Citibank NA XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX Box XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX.
XXXX, GA XXXX
|
| 06/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
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I purchased a XXXX stove XX/XX/XXXX from a Sears outlet store located in XXXX, TX. in the amount My salesperson 's name was XXXX? At the time of the purchase I also purchased SEARS MASTER PROTECTION PLAN in the amount of {$290.00}, which was refundable if not used within a year. I began calling XX/XX/XXXX with a request to cancel the protection plan. I never made a claim on the stove, so the protection plan was fully refundable per the salesperson -- XXXX. When I first began calling the cancellation number, I was told I could not cancel the agreement as I was originally told by my salesman. XXXX put me in contact with a Mr. XXXX. This process began last year in XXXX. Several unsuccessful attempts were made -- -- or so I thought!
Since I had a year to keep the plan without incurring any penalties if the plan was never used, I decided to keep it until closer to the one-year anniversary date. Therefore, I began calling again in XX/XX/XXXX because realizing the nearness of the deadline for the protection plan. To my surprise, when I finally did speak with someone in XXXX, I was told the protection plan had been cancelled on XX/XX/XXXX and " you were issued a check '' I was told, to which I replied, I never received a check. No adjustment was ever made to my account as best I can tell! This was the beginning of several calls with various numbers. Here is a list of all the numbers I have been unsuccessfully calling over the past 3 months : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX -- -- all with EXTENDED wait times of more than 45 minutes with many of them!! One of the personnel gave me case number ( s ) : XXXX, XXXX and was told to ask for a Ms. XXXX @ XXXX.
When I asked about the check that was supposedly issued to me, I was told several times that someone would research the check and get back with me -- -I have never received a return call from either of these numbers. I did not think that was a difficult problem since the check has a number that can easily be traced. Others gave me a time to call them back to get the status of the check, to which I did faithfully each time. To date, I am at square zero and it has been over a year since my initial contact with Sears. During the initial break out of Covid-19, the wait times were extremely long -- -more than an hour each time -- - due to lack of personnel. Each time I would make several calls in a day because I was always given different departments to call and I was desperate for a resolution! I have been extremely patient with them.
It was a 12-month interest-free credit card purchase which was to be paid in full XX/XX/XXXX. Because I have not been able to resolve this issue, I now have {$190.00} of interest added to my card along with the {$290.00} service protection fee that was never removed. My focus was on resolving the protection plan issue and I failed to pay down the principal on the stove resulting in default on the 12 month interest-free offer, which would have not been a problem at all ; but my focus was only on getting through this. My last statement was {$510.00} of which a {$32.00} payment was made on XX/XX/XXXX. I continue making payments until an equitable resolution because I do not want this reflected on my credit report.
I have attempted several times to find out what the purchase amount was. I was told that they do not keep those records after a year, and I do not have the purchase agreement. The only thing I was able to get from them was the receipt number -- - # XXXX. To my knowledge, I probably owe another $ XXXX on the account. I need to know because I will never know when I am done due to miscommunication or non-communication with them.
|
| 11/29/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I would like to report a scam!
In or around XXXX XXXX, XXXX I opened account # XXXX with Citibank for {$110000.00}. Unfortunately, I hadnt established plans for these funds yet, so I placed {$49000.00} in a Citibank CD. As my plans developed, I realized a CD was probably a bad decision and converted it back to regular savings. As a result, I incurred a {$61.00} penalty. Im not necessarily disputing this charge, it was the result of my error in decision making. A couple months later, I discovered a good direction for the funds and invested in an income property. I discovered a property around XXXX XXXX, XXXX. I walked into a branch on XXXX XXXX to execute a wire transfer for the full amount in account # XXXX. I also advised the banker that this transaction also closes out the account. At this exact stage in the process, I feel there should be no further action necessary on my part for the following reasons : 1. This was a savings account, so there were no outstanding checks for either party to be concerned about.
2. Citibanks system would not allow me to execute an online wire transfer for the full amount of my account ; therefore, I had to physically go into a branch to have a banker execute a wire transfer and close out my account.
a. If I were writing process steps for a customers savings account close-out process, the customers obligation would end HERE! There is absolutely no logical reason a customer should have any duty beyond this point. It is not my responsibility to help Citibank clean up its accounts. If I physically walk into a branch, withdraw my money and terminate my relationship with the bank for whatever reason, there should be nothing else!
But unfortunately, like a jilted lover there is more.
3. When I expressed my intentions of executing a wire transfer for the full amount of my account and closing the account, the banking associate asked me to call in a few days later to close out the account. I dont know why my account wasnt placed on some internal Citibank employee close-out list, and just taken care of.
Why do I need to express my intentions twice? To add insult to injury, apparently following those steps was't even sufficient. Because XXXX months later I am receiving threatening e-mails about an account I closed out XXXX months ago.
4. As ridiculous as this matter is, my attached phone records prove I followed he directions and called the number on the back of my Citibank ATM card to close-out my account. I spoke to a Banking associate on the phone, provided her with the details of my latest transaction and informed her of my wishes to close my account and terminate my banking relationship with Citibank. I see this as nothing more than an obvious scam to try and squeeze more money out of consumers.
The person on the phone assured me the process had been completed, yet XXXX months later Im still being contacted regarding {$55.00} in outstanding service charges. This is not my problem, Citibank needs to revise their Savings account close-out procedures and stop trying to scam consumers for more money. I did everything I was supposed to do. No matter whether we are in person, or on the phone, we are at the mercy of banking employees and trusting them to follow through on our requests. My position is that it is the banks responsibility to trace their employee on the receiving end of my phone call, and determine why my account was not closed out on XXXX XXXX nor 3 days later on the XXXX. When in this process, do you own up to your broken processes and procedures? Therefore, fair resolution in my eyes would be clearing my name of the {$55.00} debt, and stop sending me e-mails, period!
|
| 06/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
XX/XX/XXXX my wife took our car to XXXX for an oil change. In addition to changing the oil, they also drained, flushed and refilled the transmission. In the process of doing so, one of the transmission seals was blown out and the transmission incurred a notable link.
Upon returning home ( XXXX hours away ) I noticed transmission fluid on the garage floor. I called the XXXX XXXX, spoke with the manager and was directed to take it to our local XXXX store here, which I did. They confirmed the leak, took some pictures, and told me there was nothing they could do. They also noted that the fluid level was reading full- even after driving XXXX hours+ with a substantive leak- meaning the transmission was overfilled.
I communicated again with XXXX, the manager at the store in XXXX and indicated the situation, he at first was resistant to try and help out, indicating they didn't warranty work for any vehicles that had over XXXX miles on them. As I was running into a brick wall, I took the vehicle to a local service company who replaced the damaged seal and charged me XXXX in the process.
I then communicated again with XXXX who began to come around based on the information provided by the company that repaired the damage. He said he would work with me to try and resolve the situation. I continued to check in with XXXX who said he was working on my behalf to resolve the situation. This took a number of weeks as while important to resolve, I was willing to let the XXXX process work. At the end of this XXXX indicated his regional manager XXXX was the hold up and was not agreeable to work with me on this. At this point XXXX suggested I file a claim with XXXX corporate as a way to get this cleared up.
This was much later in the process, I called on XXXX and spoke to " XXXX '' who took my information and gave me a claim number XXXX. I called back a few weeks later as still nothing had happened and on XXXX spoke with XXXX who indicated is was up to XXXX the regional manager to get this resolved and he was supposed to have called me. Never happened.
I called yet again on XX/XX/XXXX and the rep at that point got XXXX on the phone and he proceeded to tell me I was XXXX in terms of getting this resolved- their equipment is infallible and that was that.
After this I got on the Citi website to file a dispute, only to find I had to call it in to get things processed. I called and the rep I spoke with said she couldn't process anything unless I sent in a letter and documentation regarding the problem. I did that and didn't hear anything back. I called after a week or so and spoke with another rep who indicated my paperwork had been received, but for whatever reason had not been entered into their " system ''. He indicated would get that covered and for me to check back. Again, nothing...
I called today and found out a letter had been supposedly mailed to me ( never received ) that stated that Citi could not process the dispute due to the time that had elapsed.
Sooo, I followed the process and in good faith was working with XXXX with the expectation they would make things right. They damaged what up until that point had been a perfectly functioning leak free vehicle. In addition to charging me for the privilege of them having XXXX things up, I had to shell out another XXXX to fix what they had damaged.
Because I believed there would be some satisfaction with the process, I did not file a dispute. When I did, Citi indicated there was a process, which ultimately there was not- due to the timeframe- which only occurred as I was working to resolve the issue with the merchant. Thanks to them for having me spin wheels for no reason.
|
| 06/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I received an alert of a XXXX gas station charge with my debit card. I marked no for not authorized and immediately called citibank. I was told the charge went through and my account was pending. I asked what was the purpose of sending an alert if they were going to pay it regardless that i had marked not authorized and immediately sent the alert right back. I was told it would take 10 days to 30-90 days for investigation. Now they alerted me so its obvious they thought there was fraud. I had card blocked and new one sent and requested to speak with a supervisor about getting my money posted back to my account as i needed the money as promised to my landlord. I spoke with a supervisor who told me the same thing as the fraud rep. I explained to the supervisor that citibank failed me in protecting my acct because they paid after i sent no on alert and they obviously thought there was fraud because they sent the alert. I was also told the alert automatically blocks card to prevent further fraud. I asked the supervisor how does citibank allow a XXXX gasoline charge without the person using a pin #. His response was, " I Live in the XXXX and we dont have to use a pin # to get gas and they have an option to use a debit as credit ''. Im thinking if you dont know the importance of a pin # transaction then you truly didnt understand my point as here in Calif, i have never been able to use my debit card at a gas station without inputting a pin and surely not for XXXX. I immediately asked to be transferred to a manager, he says ok but then i request to be transferred to a U.S.manager. Now why does Citibank thinks its okay to send U.S. customers to XXXX phone lines if the banking system is differnt there. I was instead sent to the customer service escalation team, eventhough i requested a manager. After speaking with him, i asked a fraud question that he could not answer. I then asked him if i was speaking to the fraud dept., why as a representative of the escalations team, would he take a call transferred from the fraud dept if he couldnt answer questions related to fraud, what a waste of now 1 1/2 hours in. So he then says do i want to block card. I said the first lady that took my call told me she was blocking the card and sending me one in the mail..i asked if i could pick up in bank and she said no, it has to be mailed. Well she never blocked card and never ordered new card. So the rep in escalation did this. I asked the escalation rep at least 10 times for a manager and he stated his manager prefers not to speak with clients but that he would take my number and have a manager call me in 48hrs. Funny how in the XXXX i was being transferred immediately to a manager but then i asked for one in the U.S. but now speaking to the U.S. citibank, i was refused a manager. Different policies for different countries but i didnt open my acct in the XXXX and policies should be the same. He then proceeded with questions in regards to me filing an investigation and asked will i be willing to make a police report. I told him the police report needs to be on Citibank at this point. He then ends the conversation with, someone from the escalations dept will return ur call. Seriously? You just told me 20 minutes ago my call would be sent to a manager. This bank failed me on numerous issues here and i even asked if they could credit my acct the XXXX so i could pay my rent as i have direct deposit and they could get there money back after investigating. I even told them to send someone to the gas station and look at the video as it wasnt me. He refused and refused to let me speak with a manager. I will close my acct with this circus of clowns!
|
| 09/29/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My wife and I went to XXXX XXXX to inquire about getting some new laundry room cabinetry and a sink installed in our home. We went through the consultation with the XXXX XXXX installation department and found that we wanted to move forward with the project. We had one of their insulation technicians come to our home to mock up the floor plan for the laundry room. Everything went well and we were extended a line of credit of {$14000.00} to complete the laundry room. We were told that the waiting time would be about 6 to 9 weeks. A contract was signed on XX/XX/XXXX and the estimated installation date on the contract was for XXXX. Once XXXX had come and gone, my wife started to try to contact XXXX XXXX to get information on our install. The people we were calling, and XXXX and a XXXX from XXXX XXXX which were on our contract, were unresponsive and not able to give us any information regarding our account. We had consistently calling for months to get update and received no information. More importantly, the terms of our agreement with XXXX XXXX for the cabinetry and sink insulation started requiring us to make payments on the 24 month no interest financing that came with the order. We made a total of six payments with no product installed and no updates on the process. Ive began to get involved in the process on XX/XX/XXXX and I called the credit card provider for XXXX XXXX to stop charging due to breach of contract. I also tried to reach XXXX, which I was unsuccessful and left him several messages. I spoke to XXXX XXXX at XXXX XXXX in the insulation department, and she informed me that we were on schedule to get our product in XX/XX/2022. I informed her at that time that that was unacceptable, as this was the first that we had heard of any delays in anything or gotten any information on the status of our project. She also stated, which I documented, that the supplier sometimes had run behind and that was the reason for the delay. To make matters worse, even with all of the lack of communication from XXXX XXXX side, they informed us if we canceled the order they would charge us a 35 % fee which is stated nowhere in the paperwork that we signed. XXXX finally responded via email once I sent an email to the installer demanding a full refund for the {$14000.00} that was showing up on my credit report and also the payments we have made on a product that we do not have in our possession. I informed them that I refuse to pay for something that I havent received and Ive been making my payments and living up to my part of the obligation of our contract. XXXX XXXX and their installer are in breach of contract not myself and my wife. The week of XX/XX/XXXX, I had inquired when production started on our project with no response from XXXX. Then, in an email from XXXX XXXX, she stated that production had started on XX/XX/XXXX. Again there was no communication of any production happening on that date prior to this documented email. I feel XXXX XXXX is being deceptive in their practice and trying to get me to pay for something that I dont have. There have been several attempts to get this resolved. XXXX XXXX has not been accommodating and Ive been passed around through several departments with no resolution. I feel that XXXX XXXX is using deceptive practices to keep my credit while they scramble to get something produced that I no longer want because of the excessive delays and lack of information. The {$14000.00} charge has been on my credit report since XXXX and I want it removed and a full refund. We also want the payments that we were making back from XXXX XXXX I no longer want to do any business with their contracting team.
|
| 12/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
RE : CFPB Complain ID : XXXX Citi Reference Number : XXXX After receiving the response from Citibank dated XX/XX/XXXX and stating that it is impossible to locate the monetary resources blocked, we are submitting a repeated complaint attaching the documents requested by Citibank.
We are asking Citibank to review the documents attached and base the investigation using the data provided, not the materials filed by the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following documents contain all information concerning the attempted transfer of monetary resources : ( 1 ) initial payment order, ( 2 ) XXXX-messages from Citibank stating that monetary resources were frozen by OFAC representative XXXX etc.
If it in some way helps the investigation, we are describing the whole situation below.
On XX/XX/XXXX, XXXX XXXX XXXX initiated a transaction with XXXX " XXXX XXXX XXXX authorizing the transfer of XXXX XXXX ( XXXX XXXX XXXX XXXX ) from his bank account ( No. XXXX ) to the bank account of XXXX XXXX XXXX at Citibank XXXX. XXXX. Under XXXX XXXX XXXX. XXXX, dated XX/XX/XXXX, the specified funds were seamlessly transferred from the paying bank ( XXXX " XXXX XXXX XXXX XXXX ) to the corresponding bank ( XXXX XXXX XXXX Citibank '' XXXX, XXXX ), where they were credited to the bank account No. XXXX.
Confirmation from XXXX XXXX " Citibank '' XXXX arrived promptly on the same day, verifying the successful crediting of the funds to the bank account owned by Citibank XXXX. XXXX in XXXX XXXX " Citibank '' XXXX. But funds did not go any further.
Following the transfer, XXXX " XXXX XXXX XXXX XXXX XXXX XXXX Citibank '' XXXX, and XXXX XXXX made XXXX inquiries regarding the subsequent movement of funds or potential return options. Subsequently, XXXX XXXX learned that during the attempt to transfer specified funds to Citibank XXXX. XXXX via XXXX the specified funds had been frozen by an order from the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX and no actions could be taken unless a special license was issued by XXXX. We applied for such license and waited for a long time having the case pending.
However, after a long while, we received a letter from XXXX stating that case status has been changed on " Returned Without Action ''. We contacted XXXX and Learned that Citibank failed to provide XXXX with the Blocking Report describing our transfer. After that, we've addressed this issue to Citibank N.A. London again and on XX/XX/XXXX, XXXX XXXX received an unexpected letter from Citibank N.A. London stating, " With the information you provided, we are unable to locate any wire transfer under XXXX review. '' This revelation intensified the situation, suggesting that there was no legal basis for freezing XXXX XXXX 's funds in the first place. But despite the fact Citibank N.A. London stated in the letter, we've never received any information about the current status of the attempted XXXX-transfer, beneficiary ( Interactive Brokers, LLC ) has never received the money nor the money ever returned to XXXX XXXX 's bank account.
In an attempt to unravel the complexities of the situation, XXXX XXXX turned to the XXXX XXXX XXXX in early XXXX. Officers from the XXXX XXXX XXXX investigated the status of XXXX XXXX 's application and repeatedly confirmed that Citibank XXXX. XXXX had frozen the disputed transaction without reporting it to XXXX. The failure to submit a Blocking Report prevented XXXX from locating the transaction, thereby hindering the issuance of a special license.
We hereby respectfully ask you to help resolving the sutiation and return the monetary resources to XXXX XXXX by at lease filing the Blocking Report with XXXX.
|
| 02/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
Servicemember |
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On XX/XX/XXXX I called Sears Shop Your Way Credit Card services for a couple of tasks. First, I called to make a payment using the XXXX. I also wanted to update my telephone on file because I needed to activate my new card that was expiring at the end of the month. The XXXX transferred me over to a person to change my telephone number. The man that received my phone call was not a pleasant person but that didn't stop me from wanting my information updated. He had me on the phone for nearly an hour placing me on hold off and on. He said he couldn't change my number because he wasn't sure that it was a real telephone number and that the system wouldn't let him. He called me from another phone line to test my number without telling me that he was doing that until after I rejected the phone call the first time. After I answered while still being on hold, he proceeded to tell me that it was him just making sure. Once he did that, he said he was able to change the number on file. I found that odd but didn't think much of it. I also requested that he change my preferences of electronic billing to mailed paper billing because I told him I am unable to login online because the constant system errors so therefore I can not pay my bill online but I needed a paper copy so I could call in the XXXX with the minimum amount due. The XXXX doesn't state the minimum if you're making a payment unless you press the option for account details. He agreed to doing so all the while having a tremendous attitude. So I rest assured that he fixed my issues so I could continue doing business with this company properly. In XX/XX/XXXX, I had to call AGAIN with the same issue to change my phone number associated with my account because obviously it wasn't done. Today, XX/XX/XXXX, I called the XXXX to check my progress and the system said my account was closed. After calling and speaking with XXXX representatives, the supervisor told me that my account was closed at the end of XX/XX/XXXX and they have no record of me speaking with anyone in XXXX, only with the XXXX. Frustration overwhelms me because of the situation that I am being put in because of a vindictive employee. I asked the XXXX if their system automatically enters notes when a customer calls. She said that it is required by employees to make notes but it is not automatic. So now, I am left with a closed account on a credit card that still has a balance. I don't use it because of the high interest charges but I still want the account open because I use it at least once a year. I was now planning use it and now the account is closed. I find it odd that even after I called again in XXXX to change the number that the rep in XXXX couldn't do, the representative didn't even inform me that the account was closed. What is even more alarming is that every month that I make the payments, the system never mentioned that my account was closed. It's not until now that the XXXX says my account is closed. How is it that from XX/XX/XXXX through XX/XX/XXXX, the XXXX never mentions my account is closed? Now the XXXX says it is closed. I have questions that were not answered especially because the phone call that I made in XXXX is not even registered. I will be gathering information from XXXX XXXX XXXX to document the phone log of that day to show I called the company. The company is : Sears Shop Your Way by Citi. Phone number : XXXX. The complaint number is : XXXX. It's not that I feel I have been treated unfairly. But I followed protocol demanded by this company, however, their employee didn't do their job and now I am out of luck. I have a closed account with a balance of XXXX that had a XXXX limit.
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| 08/25/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2019 I contacted Citibank to filed an investigation on four fraudulent charges in the amount of {$99.00} made on my debit card that were not authorized. The investigation was started and I was granted a provisional credit of {$390.00}. I was informed that I would be contacted on the outcome of the investigation. On XXXX XXXX a letter was mailed advising the case had been resolved and that I was at fault, the letter stated the amount of {$390.00} would be deducted from the account on XX/XX/2019. Please note that I never received the letter mentioned above. On XXXX XXXX the amount of {$390.00} was deducted from my checking account. I contacted Citibank on XX/XX/2019 requesting to understand the reasons for the decision and to request copy of the investigation results. The representative who assisted me apologize for the inconvenience of the matter asked if I wanted to filed an appeal on the decision. I accepted and agree to the appeal of the decision. The representative also agree to credit my account in the amount of {$99.00} x 4 times equal to {$390.00} the credits are shown as credit adjustments for inquire # XXXX. The same day the amounts were deducted from my account in the amount of {$99.00} x 4 equal to {$390.00} shown in the statement as " other debit ''.
I contacted Citibank and was advised that case was still under investigation and needed to wait the time for the results. On XX/XX/2019 I received a letter advising that the case had been resolved and the request for reimbursement had been honored, a credit will be posted to the account in the amount of {$390.00}. I contacted Citibank and spoke to representative on Wednesday, XX/XX/2019 to inquire on the status of the reimbursement. I was informed the reimbursement would be credit 10 days after XX/XX/XXXX. On XX/XX/XXXX I called Citibank and spoke to XXXX to inquired on why I had to wait the long time wait for the reimbursement. He was unable to retrieve the information in his system and had me on line for more than 50 minutes after I requested to speak to a supervisor. I was transfer to the supervisor but immediately after the transfer the call dropped and was disconnected.
I proceeded in calling Citibank again on the XXXX and spoke to representative XXXX she was unable to provide any further information other than the case being closed and reimbursement completed. I informed that reimbursement had not occurred and I was still pending the credit of {$390.00}. She contacted Citibank Investigation unit and was advised that credit had not been disperse and would be credit 3 days after XX/XX/XXXX.
My account on XX/XX/2019 showed no credit and I proceeded in contacting Citibank to request an update on the issue. The representative informed that credit had been issued and case close. I informed him the credit had been reverse and taken out of my account on the same day on XX/XX/XXXX.
I was transfer to XXXX Citibank Supervisor he checked the system and advised the case closed with reimbursement completed. I informed him that credit of {$390.00} had been reverse and I was pending the credit based on the instructions of the letter. At this point I was upset and demanded he resolve the issue. He advised that he would personally contact me within 24 hours on the status of the case.
I never received a follow up call from any representative of Citibank or was I given the credit. It's disappointing that every time I contact Citibank I receive different versions and nothing resolved. I am still out of {$390.00} and I feel Citibank is being deceiving in the handling of the case. Please help me. I have all the supporting documents to support the claim.
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| 03/02/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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First of all, I really appreciated CFPB helps customers to have their rights and what they were originally promised.
I submitted my 1st case XX/XX/XXXX and received the answer XX/XX/XXXX. However, I can't accept Citibank 's answer that they kept lying to customers.
COMPLAINT ID XXXX [ Original complaint ] There is a Citibank offer last XXXX ( the offer is still on going ). If a new customer opens checking account for the 1st time, and deposits {$15000.00} for more than 3months, then I can get {$400.00} bonus. Therefore, I opened my 1st bank account and deposited {$15000.00}, and I checked with CITI banks customer service that Im eligible for the offer after I applied the promotion. I was supposed to get {$400.00} by XXXX XXXX, but I didnt get it until the mid of XXXX, so I called customer service again. The representative double confirmed Im eligible for the offer, but the back office is super busy because its end of the year. She also told me I can receive the offer in the 1st week of XXXX, but I didnt get any offer or feedback from CITI . After that, I called again, and the another representative submitted the investigation ticket because shes not sure why my case is being delayed. At that time, she also confirmed that Im eligible for the offer. She told me I could get any feedback and offer within 5 business day, but I didnt get any feedback. After that, I called the customer service more than 10 times, and EVERYTIME WAS SAME ANSWER : I am eligible for the offer and my case is under investigation with the urgent case note, and I could get any feedback and offer within 5 or 10 business days. I also talked to several supervisors, and they also confirmed it. However, I never got any feedback from CITI, and when I called last Friday, another representative told me Im not eligible because some kind of promotion code was not attached. I followed every step as the guide said, and CITI representative confirmed Im eligible for the bonus offer right after I applied, and more than 10times from different representatives every time I called. I also talked to supervisor, and she kept saying shes sorry for all the wrong information and inconvenience but theres nothing they can do. They couldnt told me what kind of code was missing because they didnt know, either. This does not make sense at all, and I can not believe how CITI bank scammed customers.
[ My response for Citi 's response about the above case ] Citi sent me an email that I should send them the proof that the promotional offer was directed and addressed to me, but I believe that CITI bank can not send me the direct email because the offer is for the new customers who opened their 1st checking account. How can they send the direct email to a person who is not their customer? That is why CITI Bank is using so many advertisement, articles and influencers to make people to be their customer.
I want to ask CITI that show me the promotion that requires the promo code. It was a promotion for PUBLIC not for the specific targets. Citi bank also says on their website that it's just new-to-bank, transferred from outside of Citibank. ( file attached ) https : //online.citi.com/US/ag/banking/special-offers Moreover, CITI told me that they sent me the same response for 2 times but I have never received them. They sent me so many advertisement, but not the one that I was promised to receive : their feedback. I called them more than ten times and what I heard was only 'You are eligible for the promotion. You'll get the bonus offer within 5 days. '. I just do not understand the way CITI managed their mistakes.
Please please correct their lying and scamming customers.
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| 12/28/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
|
|
Web |
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DATE : XX/XX/XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX FLORIDA XXXX XXXX CitiBank XXXX XXXX XXXX XXXX XXXX : XXXX Account Number ending : Citibank locked me from online banking, cant view my account Debit Card number : XXXX Citibank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX, XXXX Citibank branch number : XXXX Re : account frozen, wire transfer frozen, and false information reported by Citibank on my account.
On XX/XX/XXXX I signed online in my Citi Business account and noted my account for travel notice from XX/XX/XXXX to XX/XX/XXXX and received confirmation. On XX/XX/XXXX I made an international wire transfer from my Citi Business account in the amount of {$22000.00} it was a XXXX gift to mom to help her remodel the house. I received 3 different calls from the Citi fraud department, they verified every detail and told me thank you very much for confirming the wire transfer it was successfully done On XX/XX/XXXX the {$22000.00} left my citi bank account and arrived in my moms account with the message fraud and my mom Could NOT take the money I sent. I contacted Citi to get this resolved on XX/XX/XXXX, and they verified me again they told me my account was sent to the fraud department and it will get closed within 60 days. Citibank reported false information on my account when they verified me 3 times over the phone before they approve the wire transfer, their customer support and fraud team verified me successfully and confirm the wire transfer was done successfully, then 12 hours later Citibank turned around, and market the wire transfer fraud and froze my account.
My account was frozen, the wire are market fraud and customer service refuse to provide any information or what steps I need to take. From XX/XX/XXXX until XX/XX/XXXX I called Citi bank daily to get this done, but no one can give me a clear direction or what should I do, no matter how much I provide verification about myself. Citibank violated and misled false information on my account after their support team verified me and confirmed the wire transfer.
I NEVER received an email or letter from Citi bank about my account will be closed or any communication about the wire transfer being frozen or any information about my account. I contacted Citibank again on XX/XX/XXXX and tried to understand what are my next steps, they told me my account was sent to be closed. I requested Citibank to send me an email or letter regarding my account, and they failed. I no longer want to be a Citi bank client anymore, and requesting that Citibank remove the word fraud from the wire transfer. This is false information reported by Citibank when their team verified me over the phone and their team confirmed the wire transfer. On XX/XX/XXXX I received another call from XXXX XXXX Citi fraud department from the fraud specialist XXXX, he wanted to verify again if that was me initiating the wire transfer in the amount of {$22000.00} and I confirmed YES, it was me. In total, I have received 4 different calls from Citibank verifying the wire transfer - all verification was done successfully.
Asking Citibank to fix this ASAP, and release the wire transfer, release the word fraud from the wire transfer.
Citibank is committing fraud and misleading false information on my account. This is a crime, what Citibank is doing, and holding my money XXXX. Citi bank causes me financial damage and I will make sure they pay every cent for every damage they cause me during this XXXX season while traveling with my family. Again, Im asking Citibank to release the wire transfer ASAP, I no longer want to be a Citi bank client.
Sincerely XXXX XXXX
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| 02/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XX/XX/19 - Received email alert about suspicious activity. I did not make these purchases, spoke with rep, who canceled card and issued a new one.
XX/XX/19 - Had NSF fee from bank where Citi company tried to process payment for full amount of card.
XX/XX/19 - Spoke with agent at Citi who told me I did authorize that payment over the phone, initiated investigation since I did not do this. Changed security password on account. I was told by agent that another attempt would not be made. She had offered to credit my account back the {$3000.00} for payment but I explained it did not actually get taken out, it was declined, I just want to make sure it does not hit again. She assured me it would not. Called my bank who gave me a courtesy refund on amount of NSF change. They said they would not do it again and that I need to make sure Citi does not attempt to take again, or I will get hit with more fees. I assured them that Citi had said it would not.
XX/XX/19 - Citi attempted again resulting in another NSF Fee from bank.
XX/XX/19 - Spoke with several people over course of 2+ hours at Citi . I was first given the security department number by person on Chat service, who told me I had to wait until I received new cards to do anything. I called security department, who accessed my account with old security word, even though I made attempts to access with new, even spelling new word, they finally accessed with old. I even told them it was old one and security guy admitted to accessing with the old one. He kept telling me he couldnt help me and gave me a number to call. I called that number which was incorrect department, she was not able to find my account to access. I was then transferred to another department and the person accessed my account again with old password, even though I tried with new one. I was once again told several time I would have to wait until new card arrived to dispute charges, even though I was telling him the issue was with Citi attempting to take payment from my Compass checking account, a payment I did not authorize and was told would not attempt again. I also tried to get a supervisor on the phone since I did not feel like he was understanding the issue. He kept saying I needed to wait until I had card and call back. I was not sure when I would get new card and I decided to end call since I was highly frustrated at this point.
XX/XX/19 - call back, spoke with rep who did access account with correct password. She said she is not able to issue refund to bank but did issue {$40.00} credit to card. She assured me several times it would not attempt again.
XX/XX/19 - Another attempt made. resulting in another {$38.00} fee from bank.
XX/XX/19 - called customer service at Citi again. First rep told me she could not issue any more credits. That there is no way to stop the payments, I would have to do stop payment with bank. Also told me to call back to see later if they could issue more credit. Spoke with supervisor. She was able to issue {$76.00} and told me that payment would not be attempted again, that past information was incorrect and they would make 3 total tries. She also mentioned that the payment was already flagged and being held since it was unusual - higher than normal payment and a phone payment instead of online. She also said there is no way to email me notes on issue so I have it documented for my records, just that it is on file.
At this point I have spent 5+ hours dealing with this. I am out {$76.00} in my checking account which is not extra money I have. Citi is giving credit to account but that does not help with money in my account currently or bills I need to pay now.
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| 06/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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On XX/XX/23 I received a phone call from who I was deceived in to believing was a Citibank Employee. They called me from the Citi number ( XXXX ) XXXX. I was on the phone with them from XXXX XXXX- XXXX. During this time my account was hacked while I was on the phone and my password was changed, there was a {$2000.00} transfer from my checking plus account to my checking account, my email was removed from XXXX. I did not authorize any of these changes. I was on the phone while all of this occurred. The person who claimed to be a citi employee told me that there was a fraudulent XXXX payment made in the amount of {$2500.00}, and that the money was taken out of my account. They told me not to worry and that they would be working with XXXX to get this money refunded to me. In order to do this I was going to have to issue a XXXX payment refund to myself. They told me they were speaking with the XXXX supervisor XXXX XXXX, and they would be issuing the refund of {$2500.00} in to my account. They told me the available funds were {$1600.00} but were not reflecting on my account yet. They had me select myself as the recipient of my XXXX transaction. From my recipients list it said my name and had my email address. I selected myself and they told me the refund would reflect immediately once it happened. I started to issue the payment and saw that the name XXXX XXXX appeared under my email address. They told me that it was the XXXX employee who he previously mentioned who was authorizing the refund. My email still appeared under the recipient and I had selected myself from my list of payees. As soon as the payment was sent a {$2000.00} credit appeared in my account. Thats when I panicked because it was still short {$500.00}. The scammer said that there was a {$2000.00} limit on the refund and I would need to repeat the process again tomorrow to get the remaining {$500.00}. What I did not know at the time was that the scammers had transferred {$2000.00} from checking plus account in to my checking account. There was a thread of emails from Citibank that I never received while I was on the phone with them. They had access to my email account somehow and opened and removed these emails. There was one at XXXX from Citi indicating that my password had been updated. At XXXX there was an email from Citibank saying that my email address had been removed from XXXX. There was also an email from XXXX XXXX XXXX with XXXX with a confirmation number, even though i dont have a checking account with XXXX. And then at XXXX there was an email from Citibank saying that my {$2000.00} transfer from my checking plus account had been authorized. I never received these emails as they were removed without my knowledge. I just found them on the server a few days after the fact on accident while searching for other citi emails. They had been opened and deleted by someone else. I did not authorize any of these changes or moving of funds. The moving of the {$2000.00} made it appear that there had been a credit issued to my account when in fact it was just the scammers moving my checking plus amount to my checking account. This was fraud. Please help me get my money back. I need this money to live. How were they able to hack in to my account and make all of these unauthorized changes? I am beyond frustrated with Citibank as they have done absolutely nothing to help me get my money back. They told me to file a dispute and then just denied the dispute because i initiated the payment. It was made under false pretenses and i was scammed. Please help me. I have call logs, and copies of the emails that were accessed from my email account by the scammers.
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| 10/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I returned an item from XXXX that was purchased used my Visa Citi Card and the credit or refund of my purchase was issued by XXXX on XX/XX/2021. I have placed 16 phone calls and spent over 8 hours of phone calls with both XXXX and Citibank and three of those calls were with both parties over two plus months. And still today, there is no resolution and honestly i sit here today not even sure if Citibank is even working the issue. I am owed my money and should receive compensation in the form of interest for them keeping my money and not fixing issue.
I have a record of all phone calls by date and have had multiple supervisors names at Citi that said they would follow up but do not. There is no direct line to these supervisors so each time I call, i get a new person that will not forward my call and it is another hour to explain issue and they too can not fix or say they will and do not. My last call was on XX/XX/2021 and still not resolve or return call.
I think i know what the problem is and what they should investigate. I have conveyed this many times. I had purchased under two different transaction in Late XXXX and Early XXXX two couches from XXXX. They were the same couch but one was brown and one was cream. Again, these were two different orders and transactions but each were for the same amount of {$2100.00}. One of the orders, I cancelled with XXXX before I ever even received the item. There was a problem with the cancellation and while I had never received or put eyes on this couch I was having difficultly receiving credit to the transaction for I submitted a credit card dispute on XXXX, Dispute ID : XXXX. This dispute was resolved in my favor and credit was permanent on XXXX/XXXXXXXX per the infomation that can be view today.
Here is where the problem lies I am sure but I am the customer so Citi will need to work this out. The credit i received for the cream couch that I did receive and used for months until its return on XX/XX/2021 and XXXX providing credit to me via my CitiVisa card on XX/XX/2021 I received an email from Citibank Visa that said congratulations your dispute was resolved. I did not have any dispute open and the only dispute was the one from XX/XX/2021 that was resolved in XX/XX/2021. The return was for the amount of {$2100.00} which is same amount but has nothing to do with the previously closed dispute. They have hijacked, stolen, taken my merchant credit and applied it to something that is not in dispute. If their systems have issues that is not for the customer to have to bear this much work, grief or distance from money owned.
I need my {$2100.00} money returned from the money they received from XXXX on XX/XX/2021. Again, this return has nothing to do with the previous and already closed dispute from the beginning of they year.
Another thing... .that is now just annoying... .they told me that they needed to open a dispute for this return ( I did not ask, some agent thought it might work. ) Anyway, i accidently hit withdrawal on the mobile app and there is no confirmation button so it got withdrawn. Now the last rep at Citi to try and reopen or whatever needs to happen told me now it is my fault for accidently pressing that ... ..what? Then reopen ... .they can't. Then do whereever you need to do to investigate and give me the money you owe me... .nothing. This is their issue and they really should assign someone to work issue. The last supervisor XXXX also advised that i have been phoned. No, I have received only one call back from XXXX. Citibank and the promises or them calling has not happened, i have answered all calls unless they come in as market by XXXX as spam.
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| 11/03/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
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In our Citicard statement for the period of XX/XX/XXXX to XX/XX/XXXXthe outstanding balance listed was {$3600.00}.
Of that amount the charges made by us totaled {$480.00} and the balance of {$3200.00} were fraudulent charges, mostly done on line by persons unknown.
As has been our practice we paid the full amount we had charged, check XXXX ( {$480.00} ) and notified the bank of the fraudulent charges line by line.
On the XX/XX/XXXX to XX/XX/XXXX statement the outstanding balances were {$1400.00}.
That amount also contained many fraudulent charges which we spoke about to Citicard Reps. We were told to pay the minimum amount while they investigated.
We paid not the min ( {$25.00} ) but {$200.00}, check XXXX. We were also told there would be no late fees while they investigated!
On the next statement, XX/XX/XXXX to XX/XX/XXXX the new balance was {$1600.00}. However, the listed charges amounted only to {$380.00} of which {$320.00} we had made, and {$61.00} were fraudulent.
Based on the conversations with Citicard Reps we made two 2 payments. Our check XXXX for {$850.00}, to cover the balances from the previous statement, which we had made, based on their investigation, and check XXXX for {$320.00} to cover the charges we had made on the current statement. These payments were made onXX/XX/XXXX.
The statement listed an interest charge of {$18.00} and another interest charge of {$28.00} as the " total interest for the year. Again we were told the late fees-interest would be waived.
The only other charges made after that period were on XX/XX/XXXX. {$54.00}XX/XX/XXXX... {$37.00}, and XX/XX/XXXX... {$200.00} for a total of {$300.00}.
This amount was paid, check XXXX, in full on XX/XX/XXXXWE DID NOT USE THIS CARD AGAIN AND HAVE NOT SINCE.
Hence there should have been no charges outstanding, including late fees.
Yet the statement for XX/XX/XXXX to XX/XX/XXXX listed a new balance of {$240.00} after the previous payment of {$300.00} and credits of {$29.00} and interest of {$3.00}.
We could not explain the new total since we had stopped using the cards and after repeated phone calls to Citicards, they were not able to tell us the origin of the charges in the new total, {$240.00}. Nevertheless the Cust Service MGR we spoke to promised to remove the balance.
In the next statement XX/XX/XXXX toXX/XX/XXXX the new balance was {$160.00}. Previous balance of {$240.00}. It listed unspecified credits of {$100.00} {$25.00} late fees and {$1.00} interest.
Again after multiple attempts on our part speaking to various Cust Service MGRs they were not able to tell us the origin of these charges while demanding payment.
Since we had longed stopped using the Card there should have been no balances, especially since we were told multiple times that the late fees would be waived while they " investigated ''.
We have had this card since XX/XX/XXXX and we never left month to month outstanding balances.
Since we had no other choice we did the unspecified balance remaining. Mean while we filed a complaint with CITIBANK, Executive Response Unit.
On XX/XX/XXXX we received a letter a XXXX XXXX XXXX in which it listed total credits due to fraud and late fees. It did not provide any details as to the unspecified charges.
It concluded : " if any additional fraudulent charges were billed and were not credited, please contact me directly '' ... XXXX XXXX XXXX XXXX. We did, twice. There has been no response.
It is simply wrong to charge us, while we paid monthly fraud protection fees, unspecified amounts all while they were investigating thousands of dollars of fraudulent fees. Their response was simply awfully unfair.
Respectfully XXXX XXXX XXXX XXXX
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| 02/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
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Web |
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We purchased a kitchen suite for {$4000.00} from XXXX. Like many Costco customers, we decided to buy it from Costco only because Costco promised that they offer a total of 4 year warranty including 1 year from manufacture, 1 year extended by Costco, and 2 year from Citi Card with which we pay for the purchase. One of this suite , dishwasher, had problems very shortly after we got it. We contacted Costco and had repair service twice and the whole dishwasher replaced once, all covered by XXXX warranty. We got very frustrated by the poor quality of this product but was still patient enough to keep using it for a while as we thought we had extended warranty to cover possible product problems. The problem unfortunately happened again some time last XXXX, the dishwasher stopped working completely. We did a lot of internet research trying to figure out what is wrong with it and tried to fix it. But all our effort failed even though we tried different ways. We than contacted Costco for return or repair that was declared by Costco as their extended warranty and 100 % satisfactory guarantee. Since we didn't contact them soon enough to catch the two year warranty by Costco because we were trying to fix it, we were told by Costco to contact Citi Card for extended warranty coverage. We had peace in mind as we had experience with extended warranty services from XXXX XXXX multiple times on various products purchased from Costco. But to our great surprise, Citi Card even didn't bothered to contact us for details but simply denied our warranty request with only one sentence we had never heard about. It said in their letter, " As the product has a product defect, no coverage can be provided ''. We checked original warranty from XXXX and it clearly states that XXXX cover all the manufacture defects. Costco openly declare Citi Card extends original warranty for another two years. What don't know what Citi Card 's warranty extends and covers if product defect is not covered? This is obviously a violation of Federal Warranty law with a clear intention of taking advantages of consumer 's lack of protection resources. We then contacted Citi Card on XX/XX/2020 for their explanation of their unclear, ambiguous rules on coverage. I talked to a few representatives including a manager on a few calls for a few hours. But I was denied for coverage by all of them using this unclear statement. This is a very unprofessional, unethical and irresponsible business practice I have never had with all other merchants and extended warranty service provider for decades. They obviously use and manipulate fine prints to deny their warranty obligation at their will. At my second effort, I contacted Costco for help. I called a few times talked with a few people from different departments. To my surprise again. Costco refused to help me with this problem with Citi Card. Costco asked me to handle this difficult problem by myself with Citi Card. This is a very irresponsible business practice. It was Costco 's promise of 4 year warranty that mislead us in making the uninformed purchase decision for Costco product. Costco didn't inform us that the so called extended warranty actually won't cover manufacturer defects and what this extended warranty will cover in detailed and clear statements. We don't understand what this warranty by Citi Card really extends. It was a lye. It was not a warranty at all. Costco used that fancy statement of 4 year warranty to expand their business by tracking customers to make purchase at Costco but refuse to help their customer for their protection right. This is absolutely irresponsible, deceptive and unfair to consumers.
|
| 12/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My wife and I had a joint credit card account with Citi Bank / Citi Cards since XXXX. For over 4 years, we never carried a balance, we always paid early, we often paid twice per month, we sometimes paid {$50.00} to {$100.00} more each month resulting in a negative balance. There was NEVER one blemish on our account. However, in XX/XX/XXXX, I requested to close the account due to the annual fee. Subsequent to that request, instead of canceling, Citi issued a replacement card that we did not request. We never received a paper billing statement in the mail for the new card. We attempted to access the billing statement online for the new card but was unsuccessful. Only the old card was accessible online. Citi then transfer some automatic payments from the old card to the new card ( for XXXX and XXXX XXXX XXXX ). We did not request this transfer. We requested the card be canceled. We did not request a the new card. Without knowledge of the transferred automatic payments and without being provided with or having access to the billing statements for the new card, we were unaware a balance was due. As such, Citi assessed late fees and interest charges. We were unaware of these fees and charges as well.
Over the course of the next 9 months, I spent a total of 38 hours on the phone explaining the situation over and over and over and over and over again to Citi. I had to request paper statements be mailed to justify the automatic payments. I paid the legitimate automatic payments. And multiple times Citi agreed via phone to waive the fees/late charges but failed to actually do so. Citi finally remove the inaccurate charges in XX/XX/XXXX. However, in the meantime, over the course of the year, Citi reported a delinquent account to all three credit bureaus. Both our credit scores dropped from XXXX to XXXX. Although Citi finally agreed the fees were not accurate ( by virtue of the charges being removed by Citi ), Citi still refuses to admit the damage done to our credit reports is illegitimate and Citi refuses to rectify the damage with the credit bureaus.
My wife and I are closing on a home mortgage in XX/XX/XXXX. The lender is requiring signifiant fees of {$400.00} per month for Mortgage Insurance due to our poor credit. They are also requiring a much higher interest rate due to our poor credit. This will undoubtedly result in tens of thousands of dollars in additional money over the course of the 30 year loan because of the errors caused by Citi and Citis refusal to correct.
We have been exceptional customers for 5 years. Review the file dating back to XXXX and that will be clear. In return, Citi failed to cancel our card as requested and instead issued a new card that wasnt requested. We were never able to access statements for the new card but gladly and promptly paid the legitimate charges once statements were provided. Citis errors will cause us signifiant financial burden that will impact us for the next 30 years total ten of thousands of dollars from a higher interest that will haunt us for 30 years due to a high mortgage interest rate due to poor credit. Not to mention the countless hours spent attempting to rectify this to no avail.
Please send updated information to all three credit bureaus ( XXXX, XXXX, XXXX ) to fix the damaged caused by Citi and bring us back in good standings with these bureaus.
Dates of Delinquencies Disputed : All delinquent and adverse dates in XXXX, including but not limited to the following.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Our credit reports are showing 30 and 60 days lates for some of the months in XXXX.
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| 11/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Loan XXXX. Citi Mortgage XXXX is the subservicer.
Both of these banks are violating my rights. Committing fraud, lying, did not pay the taxes that were due for the year. Forced me into escrow stating XXXX XXXX will not allow a non Escrow account! My loan is not even XXXX XXXX owned. I would of never in a million years obtain a mortgages backed by this XXXX bank who has millions of dollars in fines in e wry aspect of fraud from banking, mortgage, not paying escrow accounts. Sterling money out of ESCROW row accounts. Over charging interest, XXXX XXXX has escalated and is investigating fraud. The loan originating and never bought by XXXX or XXXX. My closing docs were hanged the day before closing to not provide my lender credit of {$5000.00} than fudged more numbers during the process of doing a seller credit which made not any sense. My ratios were XXXX XXXX guidelines and I do not have A XXXX XXXX XXXX which I have many emails supporting my claims. I did not want to be escrowed as I was concerned about the fraud Citi bestowed on millions of people. I did not want to close on this loan as fraud was clearly done making me by {$4500.00} of points to go from a 3 % to a 2.75 % the day before closing! Which took well over 60 days and kept delaying the closing. I was threatened that if I didnt close I was losing my {$10000.00} XXXX money from Citibank . I have many emails from my closing attorney that indicated that the closing documents were fudged and told by the loan closer who lied and then finally admitted the senior loan closer XXXX XXXX told her to change the numbers and if she did not the Jr loan closer would be fired. I have this on a recorded call from the JR loan closers cell phone. I have emails from XXXX XXXX stating she was only told what to do. Referring to the XXXX XXXX closet a d orders from senior loan closer. Basically took my {$5000.00} lender credit that could of went toward closing costs yet without my consent of XXXX a measly XXXX for close to {$4500.00} to {$4900.00} to cover there disgusting fraud.
I called XXXX shortly after I closed telling them I will have financial difficultly paying this loan after making pay off my car and ZERO credit cards! Left me with XXXX! I was ignored! The loss mitigation documents were only received XXXX and have a signed notarized document from the mailman of 35 years!
My {$2000.00} from Citi bank that directly went in my bank account from my direct deposit has been stolen by Bank XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL XXXX. I reported this for 16 days straight to Citi bank. Ignored. Money just gone in thin air. XXXX tracking number provided does not exist. These funds were suppose to go toward my Mortgage payment. Stolen. Where is the money. 18 days.
Horrific fraud! XXXX XXXX was emailed the CEO! All of my complaints were ignored and this behavior is accepted.
I borrowed the money for my first mortgage payment and paid on XXXX and if the stolen money is not provided I will be filing a chapter XXXX against my mortgage. I have hired an attorney and advised to file XXXX immediately!
Where is the money out of escrow to pay the taxes on the property!
XXXX XXXX filed a FTC and actually called the FBI as they are shocked what is going on.
All the way around I have been abused, mentally, and have taken a unpaid leave of absence and being intimidated and threatened by this bank.
I will not continue for this bank to steel my pay that was in my bank account and Stole it and. I where yo be found. Charging me late fees and have a personal vendetta against me. XXXX XXXX is getting there resources together to ensure this CEO is held accountable!
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| 09/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Servicemember |
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In XX/XX/XXXX, My Citi Advantage card was locked simply because my son who is a authorized user tried to connect the card to his XXXX XXXX to have XXXX XXXX. I called 6 times and no one would help me. They asked me, the account holder, questions and I answered them all, but the only questions they asked were " do you have another acct with citibank and do you have a land line number. My answers were no because I don't.
I gave them my phone no but they said they could not verify my acct by my no, so I told them to ask me any other security question and they said they could not ask me anything else. I spoke with another supervisor and he asked me some different questions and he was able to get my card unlocked so I could use it again. { keep in mind that i spend thousands of dollars on this card monthly and make thousands of dollars in payment }.
In late XX/XX/XXXX, they flagged my card again and all my son did was go into a store and attempt to get a pair of shoes. I changed phones from a XXXX to an XXXX and it required a card to be registered on it, as all XXXX products do. When I attempted to add this card to my phone, it locked my card account again. I spent over 3 hrs working on this and talking to multiple representatives, and no one would help me. I kept asking if you can not verify my account by me, how do you do it. They could not tell me and did not care or want to hear anything I had to say. I finally spoke to another supervisor and he asked me if there were anyone in the household that he could send a code to so I gave him my wife 's no. He sent her a code, she read it to him and he unlocked my account. Never seen anything like it before. That could have been anyones number, and they used that to verify my account and she isn't even on the account of have nothing to do with it, yet they can not verify my account using MY own number or my childrens ' no. who are authorized users on the account..
Now today, XX/XX/XXXX I received a letter from Citi Advantage telling me to complete my XXXX XXXX activation. Gave me a number, and after calling it, they again locked my acct, and would not verify my account with any info I gave them. I informed them to please unlock the account as my XXXX children who are in college have no money without my credit card, and they stated they did not care, they were not doing anything until I got a letter they were sending out to me, yet again. The representative I spoke to was XXXX, and there were 2 supervisors, named XXXX and XXXX. They never tried to help and just told me they were not gon na do anything until I got the letter, then I needed to call them like I did today after I got this letter. I have never seen anything like this, I am disgusted, very disappointed and feel for some reason I am being discriminated against. I really dont know what to say about all this. My kids are in school not without money since Citi card did this for the third time but this time is the last straw.
The last supervisor I spoke to ( XXXX ) lied to me or was reading incorrect info in my account, he stated that I was asked several questions and I did not get any of them right. I informed him that I was one asked if I have another acct with citi card and If I have a land line no. and I answered no to them both, he then stated that is not what is noted here in your account, but he refused to tell me what was in there.
I want something done about this, I am a retired XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and this is the treatment I am getting from a card that I use and spend thousands of dollars on monthly. I want something done to these reps, supervisors and Citi card.
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| 11/12/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Servicemember |
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On XX/XX/XXXX, there were 6 fraudulent transactions charged from XXXX to my Citibank checking account. I reported the situation to Citibank 's dispute department and they provided provisional credit on my checking account for all 6 charges. According to them, they conducted an investigation and gave me permanent credit for 3 of the smaller charges but did not for the other 3 of the bigger charges ( {$640.00}, {$670.00}, and {$750.00} ) - this did not make sense since all the charges came from the same source. They claimed that they had sent me correspondence asking for additional information which had to be returned within a few days. I never received such letters and even if I had gotten them, I would not have made the deadline because I was in the hospital with my XXXX XXXX XXXX daughter who passed away in XXXX. Instead I received a letter which stated that they had closed the case and they would not credit my account because I did not respond to their correspondence. I called them as soon as I saw the reverse charges on my checking account and tried to explain that I did not authorize such charges and someone had hacked the XXXX account and illegally used my debit card. Citibank told me I had to submit a dispute letter explaining the situation so they would open up the case again. I faxed, mailed and email the letter on numerous dates and to summarize what the letter said - this is what I wrote : " Reference case number XXXX Citibank checking account # XXXX Dispute # XXXX, Transaction # XXXX on XX/XX/2021 in the amount of {$670.00} Dispute # XXXX, Transaction # XXXX on XX/XX/2021 in the amount of {$640.00} Dispute # XXXX, Transaction # XXXX on XX/XX/2021 in the amount of {$750.00} As stated on my letter, ( attached below ), to summarize, I, XXXX, did not authorize any of the above transactions and did not authorize anyone or any automated system to use my debit card or checking account for such transactions. I also did not receive any products, credit or anything pertaining to these transactions. My debit card was hacked and was used without my permission- this was an illegal act and whoever did it should be penalized for it. I also contacted XXXX and they agreed that these transactions were fraudulent and not made by me. I have attached XXXX 's emails for your information where they show that each transaction was accessed by an unauthorized user and their email shows that the account was compromised and can be used as proof for any claims through Citibank. Also, when I spoke to XXXX, they said that the products for these products were delivered to Maryland. I live in New York and don't know anyone who lives in Maryland.
The letter and the XXXX emails are attached as PDF files for your viewing. '' After numerous calls to see if Citibank had received the letter plus other relevant documentation and to see what their resolution was, they told me to wait because the process could take 45 to 90 days. I received a letter regarding one of the transactions and they said that too much time has passed since this transaction and that they are not able to investigate it and would not credit the account. I wrote a second dispute letter emphasizing the fact that XXXX agreed to the account being hacked and showing each transaction and how this can be used as proof for claim by Citibank. I even tried to get XXXX to credit my checking account but they said that the banks are the ones who credit disputed transactions.
I have also tried to get a letter from Citibank stating that these transactions were fraudulent and my account was hacked so I can file a police report, but nothing has been provided from Citibank.
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| 01/05/2021 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I've not yet received the {$700.00} Citi Priority Package new account bonus despite having met all requirements and its past the time the bonus should have been credited.
I opened Citi Priority Package checking & savings accounts on XX/XX/XXXX and immediately funded {$25.00} to the checking & {$50000.00} to the savings accounts. I held the {$25.00} & {$50000.00} in both accounts for more than the required 60 days of XX/XX/XXXX. In fact, the money is still on deposit as of XX/XX/XXXX.
On XX/XX/XXXX, 19 days after meeting the 60 day requirement, I called & spoke to a Citi Priority banker. I asked : a ) if he could confirm I met the bonus requirements, b ) if I could convert the savings account to a Citi " Accelerate '' savings account to obtain a slightly higher interest rate, and c ) if he could confirm that doing so would not jeopardize my bonus. The banker told me : a ) I had met the requirements to receive the {$700.00} bonus, b ) it would be awarded to my checking account within 90 days of XX/XX/XXXX so I should receive it by XX/XX/XXXX, and c ) he confirmed I was eligible to convert the savings account to an Accelerate account and this would not jeopardize my {$700.00} bonus given I had already met the requirements to earn it and just had to wait for it to be credited.
It is now past the 90 day period where the bonus should have been posted to my Citi checking account ( which is still open ). Today, XX/XX/XXXX, I spent over an hour on the phone with various uninformed members of Citi Bank 's customer service department. This is supposed to be a " Priority '' service account ( it carries high $ XXXX monthly fees and high balance requirements to avoid such ). Therefore it is frustrating and unacceptable to have to track down the bank to honor the bonus that should have already automatically posted, and spend more than an hour on the phone being transferred around to various clueless customer service reps.
I was ultimately told it would take them 4 weeks to " investigate ''. It should in fact take 5 minutes for them to pull up my account, see I met the requirements, and post my bonus!!
I was also advised not to remove any money or close my account before they can research & issue the bonus - so they are now " trapping '' my money for an additional period of time until they rectify this in addition to wasting my valuable time.
Citi surely has the technology to determine I met the bonus requirements and the bonus should have automatically been posted without me having to track them down. It certainly also has the ability to rectify this immediately, not take 4 more weeks.
Based on similar online complaints, it seems this is a common issue with Citi Bank ( more than any other bank ). They apparently routinely avoid honoring their obligation and make it unreasonably difficult and lengthy for customers to receive what theyre owed. Shouldnt the bank should be investigated and fined if this is indeed their practice?
Bottom line : I should immediately receive the {$700.00} bonus. I also request the bank issue a goodwill credit of no less than {$75.00} for : a ) defaulting on its obligation, b ) wasting my valuable time with incompetent customer service personnel, and c ) effectively " trapping '' my money until this is resolved.
There is no doubt if the tables were reversed and this was a credit card account where I was late in meeting my obligation, the bank would be charging exorbitant interest, late fees and penalties. Therefore, my request is more than fair.
If this is not resolved to my satisfaction as above, I am willing to be a lead plaintiff in a class action lawsuit if warranted.
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| 12/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On XXXX XXXX, XXXX, I used my CitiBank XXXX to get my car out of a mechanic garage called XXXX XXXX XXXX in XXXX, MN. The work was n't done, but I was forced to pay or my car was going to be held hostage. It was already there for 5 months. I had to call a tow truck to get it out because it still did n't run. The receipt that I signed was for XXXX XXXX XXXX in XXXX, MN for {$3800.00}. I did n't have any glass work done and not in XXXX, MN.
I contacted XXXX XXXX XXXX several times asking for receipts and repair slips so I could take my non-running car to another shop for repairs. I had already given them {$3000.00} on top of this amount. I never got any paperwork from them.
On XXXX XXXX, XXXX, I notified Citi that I wanted to dispute this charge in a one line box on their website..
On XXXX XXXX, XXXX I received a letter in regular mail dated XXXX XXXX, XXXX that stated the merchant responded and my case was closed in their favor. And they took back my conditional credit.
I immediately called Citi and told them this must be a mistake! How did they " win ''? I was told to get a 2nd opinion from a similar merchant with a letter head or business card. Because my car does n't run, and I have to locate another specialty shop, I called around to make an appointment to get this estimate.
On XXXX XXXX, XXXX, I received another letter in the mail from Citi dated XXXX XXXX, XXXX, which was only 9 days from their original letter, advising that since I did n't get them the documents they needed, my dispute of the dispute is closed. That left me zero time to get an estimate.
I called Citi again and stressed how unfair this was to me, their customer. I was given until XXXX XXXX to get them a 3rd party statement from another garage, which essentially was an additional 14 days.
I got the car towed to another man, and he wrote a 3 page letter disputing the work the original mechanic was charging me for. He faxed it to Citi.
On XXXX XXXX, XXXX, I received an email stating they only received one page, and my dispute is again closed.
On XXXX XXXX, I personally re-faxed the 3 page letter and contacted Citi. Because it takes 24 hours for documents to load and show, he said not to worry, I have an additional 41 days. I do n't know how he came up with that number.
I am complaining today because I think the Citi dispute process is unfair. Especially when you call and all you get is a recorded message and no way to leave a message. You never get to speak to the same person twice, and they do not seem to care about me, their customer. I 'm not even sure they read what the dispute is about or the answer from the original merchant. They did n't even notice that I never made a purchase at the store I am disputing the charge from. The dispute is open - the dispute is closed- a few extra days here and there. All I know is I have a payment due in a few days and I 'm not paying for something I am disputing.
They all seem to waive around how they are following Federal Practices, but I 'm not sure they know exactly what they are, which led me here today ; to find out what rights I really do have. I paid for a brand new shiny engine, I got an old used beat-up one. And one that does n't run. And no receipts to chase down a warranty. I got a 3rd party merchant to confirm that the motor is not new- at MY expense. This process is taking way too long and is very confusing and stressful. They are asking me to provide information as if this is a court of law, but ask nothing of the merchant.
I feel Citi should give me my credit back and let this XXXX XXXX XXXX take me to conciliation court ( where I would win hands down ).
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| 11/04/2015 |
Yes |
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Web |
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XXXX XXXX - Twice now I have submitted an application to obtain a Macy 's Department Store Credit Card and have been declined for failure to clear an initial fraud alert I have placed on my Credit Bureau. I work in the financial services industry and understand how Fraud Alerts work. I have very good credit ( XXXX score ), and should easily be able to obtain an approval for a store credit card. As a result of my good credit and in an effort to keep it that way, I have placed an initial alert on my credit report to contact me at my primary cell phone number ( home number secondarily ).
The first time I applied ( around XXXX 2015 ), I was standing in the store and submitted and application at the point of sale. As I stood there for several minutes with my cell phone in hand waiting for a call to clear the alert, I eventually had the clerk call the credit department who informed me that I was declined because I did n't answer the phone when they called. My cell phone was in my hand the entire time and had maximum signal ( and I confirmed, they did not call my home number by mistake ). I asked them to retry and they said they ca n't - " you get one try only ''. After arguing with them and asking to speak to a supervisor, I eventually gave up due to the line forming behind me in-store. I was told that I had to wait 30 days ( I believe ) to reapply - at the time, my frustration about the situation made me think that there is no way I would ever reapply for a Macy 's card.
A couple months later I decided to try again, because without a Macy 's card you are forced to pay higher prices for purchases - which is a primary concern of mine here. My second attempt in XXXX 2015 was around XXXX Pacific time from my home computer. I reapplied online and had my cellphone sitting by my side the entire time, waiting for it to ring. It did n't. I soon received an email saying my application was suspended until further information could be obtained - it included a customer service number where I learned that they were only open until XXXX EASTERN time ; and therefore, I had to wait until the next day. Sometime around XXXX the next day, Macy 's credit call while I was in the shower ; no message was left, but I reverse dialed the number and confirmed it was in fact Macy 's Credit Department. I then called the customer service line and was told the same thing again - one try to clear the alert and then you 're declined. I again argued with the CSR and eventually asked to speak to a manager. XXXX ( supervisor ) came on the line and explained to me that their system prevents them from clearing an alert after the one-attempt had failed and that I could reapply in " X '' days ( I do n't remember, I think he said 30 day ). I asked to speak to a SVP or higher, which was declined. I hung up in utter frustration.
My concern here is that I 'm being forced to pay more for items at Macy 's because of their inflexible and unfair credit issuing practices ( generally Macy 's card holders save XXXX % on purchases ). I have great credit, a lot of disposable income and am a very responsible credit user. Macy 's practices are flawed and they need to be investigated and corrected as a result. Can you please let me know what you can do for me ( and countless others ) in this situation? I question the entire industry practice of discounting for Store Card holders if they 're not going to apply fair lending practices.
Thank you XXXX XXXX, I look forward to the CFPB 's response.
XXXX XXXX, 2015 - incident number from Macy 's Credit Email Ref # XXXX. I no longer have the reference information from the first incident sometime around XXXX 2015.
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| 11/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I missed the 60 day response window by one day for claim # XXXX ( attached ). I thought I had through XX/XX/XXXX. So I am starting a new complaint since the company 's response, which I have attached, is simply and unequivocally false.
I did agree to the flex plans 5, 6, 7, and 8 as seen on my XX/XX/2023 statement and began paying them off in XXXX over a period of 6 months as proven by the subsequent monthly statements. I did not override any auto payment plan on XX/XX/2023 to result in the full repayment of my flex plans because if I had they would have all shown to have been paid in full in the next statement and not shown as having remaining balances on the subsequent statements.
I did call to have the company explain to me why the {$4300.00} was added back to my balance when I requested the refund because it was set to be repaid in a 3 month repayment Citi Flex plan 6. I thought I was being double charged. They never clearly explained it to me, so I had to go to a third party to understand that it had to be added back to my balance. However, I reduced my autopay on XX/XX/XXXX by the {$4300.00} because they were trying to have me pay the full balance of {$4300.00} plus the monthly payment for flex plan 6, which was paying off the same amount of {$4300.00} over 3 months. Ultimately, I fully paid the {$4300.00} in Citi Flex plan 6 as seen on page XXXX of my XXXX statement. Starting with the XXXX statement, you can see a payment of {$1400.00} was made in XXXX, XXXX, and XXXX, resulting in a {$0.00} balance for the plan on the XXXX statement. I have attached the email from Citi stating I had paid off the plan.
Then on the XXXX Statement, Citi added duplicate flex plans 10, 11, and 12, for the identical amounts as the plans 7, 8, and 9, which I had already made 4 payments, 4 payments, and 3 payments on, respectively. They completely restarted the plans to show 6 months worth of payments due. I never agreed to this and have no idea why it was done, but it is complete and blatant fraud. They are essentially stealing money from me.
On the XXXX statement, they continue with the errors by applying my XXXX payment to the fraudulent Flex plans XXXX, XXXX, and XXXX. They add another fraudulent flex plan XXXX for a full 6 month term, which is for the identical amount of {$1200.00} as plan XXXX and the fraudulent plan XXXX. They also cleared the remaining principal amounts on Citi XXXX plans XXXX and XXXX and put the amounts under balance transfer offers XXXX and XXXX. They also cleared the remaining principal amount on Citi flex plan XXXX and said they moved the amount to balance transfer offer XXXX, which doesn't even show up anywhere on my statement. Again, I have NOT AGREED to any these flex plans XXXX or balance transfer offers.
To reiterate from my last complaint have had multiple calls with an accounts specialist in Arizona named XXXX, but she has now stopped calling me back. They screwed up my XXXX statement so bad I can't even understand what they did or why. This has caused me great distress and anxiety that I should not have had to deal with. I've always been a customer that pays off the full monthly balance when due. They have provided no help or resolution in this matter. My balance should should never have had these fraudulent flex plans 10-14 added, and should be lower by {$5300.00}. Any funds applied toward those fraudulent plans 10-14 plans through from XXXX through XX/XX/2023 should be immediately refunded along with any interest paid as my balance has been in dispute this entire time. The fraudulent flex plans and any balance transfers should be completely cleared from my balance.
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| 02/11/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
Older American |
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I do have banking accounts ( checking, savings IRA ) at Citibank branch XXXX in XXXX XXXX, NY. I am a XXXX customer for over 30 years but only after my retirement I found time checking and verifying irregularities on my accounts.
I would like complaining on the followings : 1. Citibank unfair practice of providing selective interest on saving accounts in a way that benefits the bank only.
a. I have 4 equal saving accounts same amount in all 4 accounts, all accounts opened the same day by the same bank agent at the same branch.
b. I discovered that one account, XXXX gets a consistently higher monthly interest than the other accounts. I Contacted my account manager in early XX/XX/XXXX but so far, the discrepancy between the interest continued. See below the situation XX/XX/XXXX to XX/XX/XXXX with a gap of {$78.00} in my disadvantage.
Account Ending & Monthly Interest Difference in Month XXXX XXXX XXXX XXXX XXXX Bank 's advantage XX/XX/XXXX {$16.00} {$16.00} {$16.00} {$24.00} {$24.00} XX/XX/XXXX {$15.00} {$15.00} {$15.00} {$23.00} {$23.00} XX/XX/XXXX {$16.00} {$16.00} {$16.00} {$24.00} {$24.00} XX/XX/XXXX {$22.00} {$22.00} {$22.00} {$24.00} {$5.00} TOTAL {$78.00} SUMMARY : I would appreciate your investigation into the above banks business practice and letting me know.
2. Citibank of unfair practice of rejecting wire transfers in order to charge fees and poor customer service a. I am using my checking account for DBA as XXXX XXXX XXXX XXXX for more than 7 years. I have records showing that from XX/XX/XXXX through XX/XX/XXXX, few companies, from XXXX, XXXX, XXXX and XXXX have wired money to may accounts. All wire transfers have been processed without a glitch.
b. In earlyXX/XX/XXXX, the same XXXX company that successfully wired the last transaction on XX/XX/XXXX, using the same template with identical SWFIT/ABA, account # and name had the transaction rejected by Citibank and very high fees were imposed by both Citibank and XXXX XXXX XXXX for processing the rejection.
c. My inquiries with Citibank were focused on the followings : i. Why the bank didnt inform me of rejection of the transfer ii. What is the reason for rejection of the transfer d. During long phone calls with the bank, I got many contradictory excuses but not one that makes sense to justify the rejections of two wire transfers and the refund of fees charged.
e. Upon written insistence and many phone calls, Citibank appointed on XX/XX/XXXX XXXX XXXX XXXX to investigate the reason for rejection and respond in writing. No feedback was received until I followed-up on XX/XX/XXXX. At that time, I received instead of a reply including 8 messages, detailing all my accounts activities from XX/XX/XXXX to XX/XX/XXXX but no other answer why the bank rejected the wire transfers nor any feedback of refunding the fee.
f. Beside the fact that Citibank violated my financial privacy by researching my banking accounts, no coherent explanation on the rationale of processing about 15 wire transfers without a glitch while suddenly rejecting one from a known and recurring sender with identical instructions.
g. Citibank demonstrated a very poor customer service, providing conflicting excuses and refusal to provide written documentation for the wire transfers rejections while unfairly charging fees.
h. I doubt that by cutting and reducing customers service Citibank improves satisfaction rather than boosting its profits. Certainly, finding new excuses to charged fees certainly contributes to the banks profitability on the back of its customers.
SUMMARY : I would appreciate your investigation into the above banks business practice and letting me know.
|
| 05/30/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2022 I received a text message on my cell phone, asking me if I made a purchase with my Home Depot credit card account/Citibank . I immediately responded no to the text message. Shortly after that I received another text message asking me if I made another purchase and I replied no immediately as well. I called the number that they prompted me to call immediately to let them know that it was not me using the card. I also informed them that I did not use the card on hand, which was expired nor did I authorize or give the card to anyone else to use. During the time that my card was used, I was physically at work, working as a XXXX Night Shift. They informed me that they will remove the charges and open a file for dispute and do an investigation and get back to me.. two months later I received a letter on XX/XX/2022, stating that they reapplied the balance plus interest to my account and I am now responsible to pay this amount. They did not provide any proof, No camera footage, no sales copy receipt/signed nor did they care that my card was expired and I could not use it. They also did not care the fact that I had never received a replacement card or activated it. They said that the investigation shows that the purchase was used with a physical card and as a result, it must be me that used it and therefore I am responsible. Since then, I submitted them all documents, proving that it was impossible for me to purchase using my card at that time of date being that I was in a different town an hour and a half away from the purchase location ; at same time I was physically at work ( I supplied them the necessary paperwork from my employer, confirming my presence at work ). In addition, I supplied in the copy of the card that shows clearly the credit card I had on hand which was expired at time of purchase. In addition they requested that I submit copies of my passport with signature to prove if it was my signature on the sales receipt which they told me that they can not let me see the sales receipt or signature that was signed on sales receipt or look at the footage from the cash register. I filled out a police report as well as identity theft report and have gotten nowhere with Citibank/Home Depot credit services . They are insisting I pay for charges plus interest for purchasesI did not use. I spoke to Home Depot manager in person and they confirmed that multiple reports of fraudulent purchases were done to their customers. She stated that now they have all types of way to duplicate a card or take credit cards mailed to customers by stealing their mail. They advise me to get in touch with the fraud department at Citibank and sending all the paperwork disputing charges.. I did send in certified letters disputing the charges to Citibank fraud department supervisor name, XXXX but she keeps on sending letters and over telephone telling me that I am responsible for these charges. I am outraged and horrified how they are insisting on innocent customer who is a victim of identity, theft and fraud be held responsible for purchases she did not purchase. I am also horrified and appalled how Citibank is handling this dispute from a loyal good standing customer very unprofessional. Citibank is attempting to make me a responsible without any proof or proper investigation.. I am kindly requesting that Justice should be served, and I should be credited for all the fees that incurred as a result of these fraudulent purchases and interest that they insist on charging every month. They also refuse to close my account and keep on charging late payments and interest even though they refuse to close my account.
|
| 02/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I placed an order with XXXX in the amount of {$190.00} using my Citi Double Cash Mastercard. The merchant stipulated that the order would ship by late XX/XX/XXXX. Throughout the month of XX/XX/XXXX, I sent several e-mails to the merchant to inquire about the status of my order, but received nothing but automated replies that did not address my concern. On XX/XX/XXXX, after still not receiving my order ( or even any additional details about my order ), I opened a dispute with Citi. Initially, Citi stated that a final decision would be made by XX/XX/XXXX. Within a few days, that date was changed to XX/XX/XXXX. I contacted Citi via their online chat to ask why the date was pushed back, and whether it could be pushed back further. I was told to address that concern with the Citi billing disputes department via e-mail. I sent an e-mail to the address provided, and a second e-mail to the same address 9 days later, but neither e-mail was ever responded to. During this time, the merchant ( XXXX ) sent me an e-mail stating that the order was cancelled and refunded ( as I had previously requested ). Despite this e-mail, it was never refunded by the merchant. Some time after that, I received the ( supposedly cancelled ) order in the mail, so I contacted the merchant, and requested a return. I returned the order with USPS tracking number XXXX. The merchant stated to me that they issued my refund, but I have not received the refund ( I received a " conditional credit '' from Citi that can be reversed, but no actual refund from the merchant ). To the best of my knowledge, XX/XX/XXXX has not stated to Citi that the merchandise was returned to them, but I did provide Citi with that information, along with the tracking number as proof. In the weeks/months after that point, Citi 's deadline was pushed back several more times, first to XX/XX/XXXX, then to XX/XX/XXXX, then to XX/XX/XXXX. On XX/XX/XXXX, I was told by Citi via phone that the refund would post by early the following week and would be reflected in my next statement, however that was not the case ( again, I did still have the " conditional credit '', but there was no final decision in the dispute, or a final refund posted to my account, as promised ). On XX/XX/XXXX I received my statement ( the one I was told would reflect the refund ) and when there was no mention of a refund, I contacted Citi via phone again. This time I was told it may take until XX/XX/XXXX to make a final decision, but definitely no longer than that. I told the Citi associate that I was getting frustrated with all the extended deadlines and would file a formal complaint against Citi with the XXXX XXXX XXXX if the refund was not made/finalized by XX/XX/XXXX. On XX/XX/XXXX, the date on Citi 's website was pushed back yet again to XX/XX/XXXX. On XX/XX/XXXX, the XXXX complaint was filed via fax. I called Citi today ( XX/XX/XXXX ) and the automated line told me that the credit was now permanent. Wanting confirmation since Citi 's website still listed the credit as conditional, I asked for an operator and was eventually connected to the disputes department. The Citi associate I spoke with claimed ( counter to the automated line ) that the credit was not yet permanent, as Citi had not heard from the merchant 's bank. I informed the Citi associate that the merchant told me ( via e-mail ) that they would not be in touch with Citi, and I also added that Citi stated on their site that they would give the merchant ( or merchant 's bank ) until XX/XX/XXXX to respond and that that date had already passed. The Citi associate did not have any reasonable answer/explaination for that.
|
| 02/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have been battling with CitiMortgage and subsequently, XXXX ( whom they sold the mortgage to ) for several years. To be clear, I had both a first and second mortgage with Citi which they then sold to the later company. I went through a horrible health stretch from the years XX/XX/XXXX til XX/XX/XXXX. I explained this to Citi at least hundreds of times through letters, emails, and voluminous calls. At times they were sympathetic, at times threatening, but rarely helpful. I even, on several occasions, wrote to XXXX XXXX, the CEO of Citi. My only goal was to refinance my mortgage so that my payments were more within my ability to pay during the trying times I experienced due to my health. I was stonewalled and given the ever bureaucratic run around. Finally, I was assigned to a woman in the mortgage department who dealt with such issues on a regular basis named XXXX. I am sorry I do not have her last name. But internal Citi docs will be able to identify her. She counseled me SPECIFICALLY to stop making payments. She said that the best way to qualify for a refi was to demonstrate distress through NOT paying. I did as I was told, and within 9 months of taking her advice I was approved for a HAMP modification. I was told and sold that everything within this program was going to help. I ALWAYS pay my debts, and therefor bankruptcy was never an option for me. It is against my moral fabric. If I had done so when my health issues began I would already be out of the reporting woods, but I never considered that an option. I borrowed the money. I needed to pay it back! I received the loan docs and quickly signed them. My monthly payment dropped, and I was able to afford to stay in my home. Once again, this entire process was navigated by Citi. I would never have come up with this solution on my own. I have paid dearly for this in two distinct ways. First, when I sold my home to relieve the financial pressure on me, there was a balloon payment that NEVER appeared on any of my mortgage statements. This didn't come to light until the final closing docs were generated. This payment was nearly 60k, which, in order to sell my home, necessitated with 2 days notice before closing, me stroking a check for XXXX instead of me pocketing XXXX. What a horrible eye opener. But Citi and XXXX received EVERY dime I ever owed them, with a handsome profit to boot. So, that happened. Then I started to notice that my credit reports and scores were dinged nearly irreparably as a result of me following Citis counsel. So not only did I make good on every penny I owed them, they penalized me without notification because I merely did as they told me to do! These unfair practices are beyond reprehensible. They negotiated with a man who was on deaths door in bad faith. They took advantage of someone they knew was in a desperate situation. They are predators, plain and simple. They benefitted by knowing my commitment to repay all of my debts. The preyed upon the weak. I am no longer week. I run a financial services company and my income, and health, are now better than ever. But I can't get credit. Or buy a house for my family. Or get a decent rate on any loan, be it car or credit card or anything. I want Citi taken to task for this miscarriage of justice. They have subjugated a good man who has worked hard his entire life and paid all of his debts. I have written. I have called. I get nothing but a stiff arm. I am writing this missive concurrent to complaints to the credit agencies. I want this cleared off of my record. I would like an apology, but this would suffice. Thanks in advance for your assistance in rectifying this travesty.
|
| 12/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I had received an unsolicited settlement notice from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX and Reference # XXXX ) dated XXXX XXXX, 2015 for {$330.00} regarding my outstanding debt with Citibank for Sears Mastercard claimed to be {$1000.00}.
When I realized that I would be receiving funds that would allow me to pay off this debt, I contacted on XXXX XXXX, 2015 the prior collection agency for Citibank that I had dealt with, the XXXX XXXX XXXX, and was informed that they could not assist me to settle this debt as Citibank had recalled this debt from them. XXXX was the first collection agency hired by Citibank that was finally able to provide me with the documentation that I accepted as accurately documenting that the credit card purchases that were the basis of the stated debt were indeed mine. However, Citibank had reassigned this debt to a new collection agency, XXXX XXXX.
I then called XXXX XXXX the same day and ultimately spoke with XXXX, a supervisor, and I agreed to pay the balance of the credit card charges I had made in the amount of {$640.00}, but none of the interest nor late fees that were assessed that drove the debt up to the alleged {$1000.00}. The amount I agreed to pay was nearly double that of their unsolicited offer of {$330.00}. XXXX then emailed their settlement offer letter to me for the amount of {$640.00} that same day with a deadline of XXXX XXXX, 2015.
I had certain conditions before I paid off this debt and was informed by XXXX to contact Citibank directly. I was ultimately directed to Citibank 's XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and spoke with manager XXXX. I was told to write to Citibank and expect their reply to take 15 - 30 days to process.
I wrote out these conditions in a letter and faxed it to Citibank at XXXX as directed by their manager XXXX. I was told this fax was not received, so I sent it again on XXXX XXXX. I called Citibank and confirmed it was received on XXXX XXXX. However, Citibank representative XXXX advised that it will take 30 -60 days ( not 15 -30 days ) for a response even thought the settlement offer letter had a deadline of a week later.
I called XXXX XXXX to advise them of the delayed response by Citibank. While I asked to speak with supervisor XXXX, XXXX XXXX took the call and advised me in no uncertain terms that they would not modify their settlement letter and they would not extend the stated deadline. Note that I have not received any communication from XXXX XXXX since that phone call.
60 days had elapsed with no response from Citibank. I called their XXXX department on XXXX XXXX and spoke with representative XXXX and ultimately spoke with supervisor XXXX. I was informed that Citibank could only accept payment of the outstanding debt in full as this debt was assigned to a XXXX party collection agency. Furthermore, I was informed that only when this debt is returned by XXXX XXXX to Citibank in +/- 200 days, at that time Citibank would be able to negotiate with me. However, there is no way to know when this would occur and it would be up to me to constantly call back to check. Supervisor XXXX also said that while the debt is with a XXXX party collection agency, Citibank can not provide ANY settlement documentation. It was suggested that I contact Citibank 's Office of the President as they may or may not reply to my requested settlement conditions.
It is unacceptable that the holder of the debt, in this case Citibank, should hide behind XXXX party collection agencies and go out of their way to repeatedly mislead that they would respond to my letter of requested settlement conditions.
|
| 10/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
The following facts are submitted to dispute CitiMortgage 's report to the Credit Bureaus of being 30 days late XXXX thur XXXX XXXX. I had applied for the HAMP ( Home Affordable Modification Program ) and had been approved. The payments in question were made as defined in the Loan Modification document and as directed by our HAMP Loan Modification representative.
XXXX/XXXX/XXXX I received our HAMP Loan Modification documents setting our total payment at {$2100.00} that included an ESCROW analysis stating : Due to the timing of your tax and insurance payments, we have determined that there is a shortage of funds in your escrow account in the amount of {$690.00}. You may pay this amount over a 5-year period. This monthly payment has already been included in the monthly escrow payment stated above.
XXXX/XXXX/XXXX - I received notice our payment had been raised from {$2100.00} to {$2200.00} because of an Escrow adjustment, before we made our first HAMP payment.
At that time, I called and spoke with XXXX XXXX XXXX ( our HAMP Modification Representative ) and XXXX XXXX advised me to ignore the Letter and to pay what was set forth in our HAMP loan Modification agreement, and I did.
XXXX XXXX explained it would take some time for all Departments to be on the same page, everything had to be posted.
I made payments as directed by XXXX XXXX from XXXX XXXX thru XXXX XXXX. I spoke with numerous Customer Service Representatives and asked them to check our Loan Modification Documents, nothing helped. Then, I realized Citi Mortgage was holding the check for {$2100.00} every month until the next monthly payment was made, then posting a payment of {$2200.00} which made it appear as I was always one month late as they reported to the Credit Bureaus. I then made a payment in XXXX, XXXX to make up the difference between the {$2100.00} and the {$2200.00} payments to bring the account current per their calculations, which disregarded the dispute of the Escrow increase and the terms of the HAMP agreement.
I was never late in making the payments as set forth in the HAMP Modification and followed the directions of the HAMP program 's representative and as specified in the HAMP agreement. This statement was and is still on every monthly statement : XXXX/XXXX/XXXX We received your complete modification document. Continue to make your future payments as detailed in the agreement.
I am asking that these 30 day late reports be removed as Citi Mortgage failed to investigate my dispute of the Escrow Increase and the fact that the HAMP Program process included an Escrow analysis and the approved modification specified to make payments as specified in the approved modification. I made the payments as specified and on time, until I realized CitiMortgage was destroying my Credit Rating. Proof of the Escrow increase error is further supported when CitiMortgage received a County Tax Refund of {$1700.00} on XXXX/XXXX/XXXX and I received an Escrow Refund a little later. ( {$1.00} is the exact amount collected by Platinum Mortgage on XXXX/XXXX/XXXX at closing for 1 year in advance Taxes. ) Also, CitiMortgage was using the full taxable amount of $! XXXX for County Taxes in their analysis, instead of the XXXX Exemption amount of {$1000.00}, ( of which they were provided a copy in XXXX, XXXX ) which alone amounted to a {$930.00} error. Not to mention, CitiMortgage did not pay my XXXX taxes until XXXX/XXXX/XXXX after my property had been sold for Taxes.
All of the foregoing is supported by CitiMortgage records which I can provide along with the canceled refund check and the letter from the XXXX XXXX Tax Assessor sent to them.
|
| 05/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American |
|
My issues with Citibank started approximately four years ago. Identified approximate {$60000.00} with a fraudulent charges in XXXX using my card. In addition to these charges, the perpetrator of fraud gained access to my checking account making electronic payments to Citibank. The amount criminally withdrawn from my account was approximately {$18000.00}. In addition to the charges and checking account issues, my email, phone number and address were changed making access to my account near impossible. I made many attempts over a period of six months to communicate with Citibank to correct and reverse the fraudulent charges. It was clear the representatives felt I was the perpetrator of the fraud. Unfortunately, the Citibank representatives failed to make any corrections to my account. I was only able to make headway after having an extended chat on the Citibank website. It was a day after this conversation that a US based representative was able to initiate the investigation and soon the issue was resolved. Given the poor customer service at Citibank, I chose to not activate nor use replacement Citibank cards.
Approximately 2 years ago, I was contacted via letter and phone by Citibank informing me of a balance due on my account. This was not the account number for any of the replacement cards sent me from the prior fraudulent charges. I called the Citibank representatives numerous times over several months and eventually the charges were reversed. It was my understanding this situation was resolved. However, I began to get phone calls and letters informing me of overdue charges on my account which was supposedly corrected. Again, numerous phone calls were made informing them of the prior fraud issues and these were likely more fraudulent charges. Despite these phone conversations I began to get repetitive phone calls, texts and letters regarding the overdue balance. Eventually, after many hours on the phone, I made contact with a representative who acknowledged the error at Citibank. The issue was related to service fees for the overdue fraudulent totally approximately {$300.00}. I was told this would be reversed and the issue rectified. Not long after this I received a letter from a collection agency for this {$300.00} balance. In addition, I found my credit rating dropped from approximately XXXX to XXXX. When calling the credit bureau ( XXXX ), they said Citibank sent negative credit rating for severely delinquent payment on the fraudulent charges and fees in my name. The collections company helped with getting the charges reversed by Citibank as they were known to be fraudulent. However, Citibank did not correct the issue with the credit bureau. More phone calls have been made without success or finding someone who has been able to make the changes to the credit bureau report that obviously need to be made. I filed a dispute for the second time with XXXX. They sent this to Citibank for review and I received a letter yesterday noting Citibank felt the negative report was accurate.
I have run out of patience with this matter. Citibank is unresponsive, incompetent and negligent. A recent attempt to get financing for a garage renovation was rejected due to the Citibank negative credit bureau entry. I have not had any issue with credit in 45 years. My income yearly exceeds {$800000.00} and I always pay on time, pay balances to XXXX monthly and usually pay off loans early. Citibank has severely impacted my credit worthiness due to their reckless practices. I have retained an attorney and plan to sue Citibank for damages. I would appreciate your assistance in punishment for their incompetence.
|
| 05/05/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Consumer Financial Protection Bureau, On XX/XX/22 my wife, XXXX XXXX opened a Regular Checking andCiti XXXX accounts with Citibank , N.A . ( in person at XXXX XXXX XXXX, XXXX CA XXXX ) {$0.00} were deposited at that time.
On XX/XX/22 XXXX and I ( XXXX XXXX XXXX ) returned to same Citibank N.A. branch ( XXXX XXXX and I was added to the account and we made a deposit via personal check ( from XXXX XXXX XXXX XXXX in the amount of {$200000.00} ; {$200000.00} into the savings and {$500.00} into the checking.
On XX/XX/22 XXXX XXXX XXXX shows the personal check for the amount of {$200000.00} was cashed by Citibank N.A.
On XX/XX/22 Citibank locked our accounts and apparently blocked us from all access. No notice or communication of any kind was attempted by Citibank N.A.
On XX/XX/22 XXXX attempted to log into accounts and for the first time discovered the block on the accounts. XXXX immediately visited the XXXX branch to discuss the matter with the Citibank N.A . Employees who oversaw the original transactions ( XXXX XXXX XXXX XXXX. The branch manager XXXX called Citibank Corporate on our behalf but was told only that our account had been referred to first party fraud services and that a check would be mailed to us likely within 60 days.
That same afternoon, XXXX spoke with the staff at our usual bank ( XXXX XXXX XXXX ) and they expressed shock and confusion as we have been perfect customers, holding several credit card, checking, savings, and an auto loan through safe with zero overdrafts or late payments over the approximately 10 years we have been customers. The team at XXXX even helped us produce documents to prove that the {$200000.00} personal check was cashed by Citibank XXXX. We also have proof of the legitimate origins of the funds. {$160000.00} was the result of extracted home equity when we refinanced our home on XX/XX/22, and the remainder was from XXXX personal savings account, accrued through wages earned over many years. Our intention with the money was to use the superior interest and cash back rewards that Citibank N.A. advertises in an attempt to offset some of the mortgage interest/inflation depreciation that we are loosing while we wait for construction permits to expand our home.
Strangely, on XX/XX/22, we received a monthly statement from Citibank N.A. Showing balances to each account in the amounts that we deposited plus {$5.00} in interest. The statement made no reference to the closure.
We have since called several Citibank phone numbers only to be told that our account had been referred to fraud services and that the amount of the account would be mailed to us in the form of a check within 60 days and then promptly hung up on. Meanwhile, we have no reason to believe anything they are saying to us as we are making mortgage interest payments on money that we no longer have access to. We both have clean criminal records and carry credit scores over XXXX. There is nothing that we can imagine on our end that could possibly warrant such treatment.
As of today ( XX/XX/22 ) we still have not received any formal notification of the account closure or any actual explanation as to why Citibank N.A. has confiscated nearly all of our wealth. A quick glance through the Consumer Financial Protection Bureau, Consumer complaint Database, seems to indicate that Citibank N.A. has done similar harm to many, many, other people on and around the same date, all over the country. This is extremely alarming and the national Press should be informed so that American consumers can protect themselves and avoid Citibank N.A.
Please and thank you for any help, XXXX XXXX XXXX & XXXX XXXX
|
| 04/12/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
1 ) CitiMortgage did not provide notice of transfer of servicing rights to XXXX. XXXX has provided me documentation the loan was sold to them on XXXX/XXXX/XXXX. This is concerning as there is a documented history with CitiMortgage of discrepancies of the account balance, loss mitigation errors with documentation filed at the XXXX XXXX Court as well as previous complaints filed with the CFPB and OCC. I attempted every possible solution to work with CitiMortgage and they refused forcing me to file bankruptcy.
2 ) I was in Bankruptcy, CitiMortgage continued to file motions to lift stay and increase payments over {$400.00} a month without providing any notice to the Court the mortgage was sold.
3 ) CitiMortgage lists the account on their website as paid in full and that I am now responsible for the taxes and insurance.
4 ) This was an FHA mortgage and received notice of early payoff.
5 ) XXXX is now threatening foreclosure.
Background and More Information CitiMortgage began servicing our home loan in XXXX. Due to several issues of servicing the account and loss mitigation abuses, we filed previous complaints with the CFPB as well as the OCC. CitiMortgage would respond to CFPB and OCC with intentional misinformation to cover the intentional mishandling of the account.
In XXXX, XXXX and XXXX of XXXX we made trial modification payments and were informed the loan would be modified. However, the loan was never modified and CitiMortgage later stated they did not receive the paperwork. However, the modification documents with the amount paid to CitiMortgage is on file in XXXX XXXX in XXXX, Alabama.
In XXXX XXXX, while in Loss and Mitigation, we submitted documents to CitiMortgage repeatedly and directly through their attorney, but CitiMortgage refused to stop foreclosure scheduled for XXXX XXXX, XXXX. I, XXXX XXXX, had to file bankruptcy to stop the foreclosure sale. In addition, CitiMortgage sent locksmiths out to change the locks. I submitted additional documents repeatedly to CitiMortgage, but I continued to be misled. I was told I was denied and requested a review. Their review only lasted one day and they sent to foreclose. CitiMortgage attempted to foreclose again while in loss and mitigation on XXXX XXXX, XXXX. The bankruptcy was previously dismissed and I obtained an attorney. I refiled the bankruptcy and again submitted documents to CitiMortgage without any response. I filed a complaint with OCC which CitiMortgage response was that I was now in bankruptcy, but never addressed the discrepancy in the account. CitiMortgage repeatedly filed motions with the court have the stay lifted and was denied by the Court and did not provide any proper claim to the court.
In XXXX XXXX, I received notice from XXXX that they now service my loan. However, to this day, I have never received notice from CitiMortgage of transfer of servicing of my loan. The loan was sold on XXXX XXXX, XXXX. However, CitiMortgage continued to file motions with the court with a hearing on XXXX/XXXX/XXXX never disclosing to the Court or to me the loan was sold. In addition, in XXXX CitiMortgage filed paperwork with the court raising my monthly payment from {$1700.00} to over {$2100.00} a month. This ongoing filing with the Court by CitiMortgage contributed to the case ultimately being dismissed. XXXX is now sending threatening letters of foreclosure. We are asking for a full review and correction of how this mortgage has been handled. In addition, the initial transfer of servicing was effected in XXXX during foreclosure by law firm which my concern is a result of robo-signing and CitiMortgage never had standing to foreclose.
|
| 07/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/, I filed dispute in the amount of {$840.00} from the merchant XXXX. Citi Bank sent me a letter in the mail asking for additional information a few weeks later, and I responded to their request promptly with all the information they were asking for. I even called their customer service/dispute department letting them know I submitted the requested information. The agent I spoke, acknowledge receipt of the information requested and assured me that they will resolve the dispute in my favor soon.
Now, onXX/XX/2023, Citi Bank issued credit for the disputed amount to my account. I called their dispute department to confirm, the the credit issued, is permanent and resolves my dispute. The agent confirmed that indeed, the credit is permanent and the dispute was resolved in my favor since they did not receive enough information from the merchant.
Then this is where Citi Bank began to exhibit their incompetence. Just a few days after received the {$840.00} credit to my account letting me the dispute was resolved in my favor and the confirmation that the credit was permanent, I received an email notification from Citi indicating that they had issued credit for the disputed amount twice to my account and that they were going to debit my account for the additional credit. I called their dispute/customer service back a few days later letting them know, I only received one credit and not two. The agent I spoke to seemed lost and clueless about what was going on. After being placed on hold for several minutes, he returned to the phone letting their no indications of the alert notification I received and that, I should not worry since the dispute is resolve with a full permanent credit issue in my favor.
After I spoke to them and onXX/XX/2023, they debited my account for {$840.00}. I called them right away and I was told to write in an appeal before I will be issued the credit. I asked why I need to write in an appeal and no one could provide a tangible explanation. I asked to spek to a supervisor. Again after being place XXXX hold for a really long time, I was finally connected to a supervisor. He indicated that they made an error and that he doesn't even understand why my account was debited. He told me he was going to process a refund to my account.
Since then, I called citi multiple times for my credit. I have been assured multiple times they made an error and that they were going to issue credit. But I have not received any credit. Most times when I call the agent do not seem to a clue of what is going on.
Now received a letter dated XX/XX/, again letting me know that they have " finally resolved the dispute and that the credit is permanent. WHER IS THE CREDIT??
I have called back several time again and again after XX/XX/XXXX when I received this letter ( attached ) and they keep acknowledging that I should have received permanent credit and that they were going to submit a request for the credit to be issued. Up until now, I still do no have the credit. The last agent I spoke to, categorically stated that she doES not understand why I m being tossed around. She promised that she would ensue I receive credit. Here we are on XX/XX/ and I still do not have credit. I'm so frustrated and exhausted. This is by far the worse customer service experiences I have ever received. I just need my money back!
They've even issued a letter saying the credit is permanent, yet I don't have the credit. This is not rocket science. It's just cross incompetence and citi bank not knowing what they are doing. PLEASE ISSUE CREDIT FOR THE DISPUTED AMOUNT, I SHOULD HAVE RECEIVC LONG TIME AGO TO MY ACCOUNT.
|
| 03/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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This is in regards to a ANNUAL FEE for a Citi Presitige Card that was recently increased from {$350.00} to {$490.00} without my consent, and where benefits were DECREASED ( removed most travel insurances and protections, and capped the 4th night free benefits, while increasing the fee ).
The problem arose when CITI charged the annual fee and closed my account by mistake, and declined to re-open my account or reimburse the annual fee ( {$490.00} plus interests ). Citi has also declined to provide any of the benefits of the card, which heavily subsidize the annual fee XXXX {$250.00} travel travel credit, fourth night free, etc ). Despite my multiple attempts to resolve the issue on XX/XX/XXXX ( by phone twice, and XX/XX/XXXX by mail ), they have denied it. It is important to note that the entire balance in the closed account includes ONLY the annual fee and interest accrued due to CITI failing to remove the charge. I request that CITI remove this fee immediately before the account goes into collection and further damage to me and my credit report, at which point, CITI would have caused irreparable larger damage and be responsible for even larger loss. I also request that CFPB launches an investigation about CITI 's practices for fee increase and decrease on benefits and involuntary account closures by automated systems while keeping the fees. This should be prevented to happen for me and future customers.
To be more specific with timeline, this is a credit card that I lost a few weeks ago and only use for small recurring payments that are auto-paid from my bank account. Once I saw a large balance in my account, on XX/XX/2020, I called customer service to discuss options on a {$490.00} annual fee that was billed in XX/XX/2020 ( which was increased this year from the {$350.00} that I paid last year, without my consent ). As you can imagine, when I saw the charge, I was surprised and wanted a resolution immediately, since this is a card that I do not use on a regular basis and I have used {$0.00} in benefits since the annual fee. With the old annual fee, I was ok getting the benefits in order to subsidize the expensive annual fee, however, the increase to {$490.00} seemed too much, so I wanted to clarity on the issue from customer service on new benefits and a resolution by speaking to them.
I called late at night to customer service and while I was on the phone hoping to speak to the cancellation department, the AUTOMATED COMPUTER SYSTEM canceled my card BEFORE speaking to a human. A FEW MINUTES LATER after the automated system cancellation, and on the same phone call, I finally spoke to a human to correct the mistake, CITI 's customer service representative, and supervisor XXXX. I requested for the card be reinstated or get the annual fee reimbursed. He declined.
A few minutes later, on XX/XX/2020, I called back your customer service representative XXXX on team 4, from the XXXX department who declined to speak XXXX to me and only spoke English to me. She advised me that XXXX was correct and regardless of whether my card was lost, I was unable to get a new card nor waived the annual fee.
I further demanded that CITI waive the charge immediately on my letter to customer service from XX/XX/2020, and reserve the right to seek federal and state resolutions if this was not reimbursed. CITI declined to reimburse the illegally charged fee.
I hope CFPB immediately intervene before further damage to my credit profile ( which is in the XXXX ) is done, and launch an investigation to CITI practices as outlines above.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, HI XXXX Phone : XXXX
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| 09/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I processed a payment of {$250.00} on XX/XX/18, which later returned due to NSF on the same day. I was charged a {$25.00} return fee from Citi as well as a {$35.00} return fee from my bank. I was NOT notified by Citi that payment returned.
I later went in to check my account and Citi tried to take the payment 2 more times ( XX/XX/18 and XX/XX/18 ) even though I did not authorize it! I was charged {$35.00} overdraft fees from my bank each time! My account is not set up on auto-pay and this was supposed to be a ONE TIME PAYMENT!
I called Citi on several occasions to try to get this resolved, only to get attitude from the representatives telling me that " I should make sure there's money in my account to prevent this going forward. '' That is beyond unprofessional! The Citi representative then explained to me that re-trying a payment 3 times is their policy and that all the major credit card companies do this. I work for another major CC company and I can confirm that this is not our policy and its a legal issue. I asked why I was not notified of the returned payment or that the payment was going to be re-tried ; she responded and said " oh we don't do that until we cant get the money. '' I went back and looked at the payment disclosure online on the Citi website and no where in the disclosure does it state that the payment will be tried 3 times! This is unprofessional, deceiving and a legal violation. Below is the disclosure provided online : Terms and Conditions Payments You can make a maximum of two payments on any day. You can do this by making or scheduling up to two payments each day of your then current billing cycle. You can also schedule up to four payments to occur in later billing cycles, but never more than two per day, and never more than 90 days in advance from the day you are scheduling the payments. Other restrictions may also apply. For Professional Card accounts, you can make or schedule payments on weekdays ( Monday through Friday ). The amount you pay on any given day can not exceed your then current balance plus 7.5 %. If the amount you pay exceeds the then current balance plus 7.5 % on the payment date, we will reduce the amount we withdraw so that it equals the current balance as of the day we withdraw the funds.
Same Day Payments The payment cut-off time for online bill payments is XXXX ET. This means we will credit your account as of the calendar day, based on Eastern Time, that we receive your payment request. You will see a reduction in your current balance, and in your minimum payment due, as soon as we receive your online payment request. However, your available credit may not be increased by the amount of your payment for up to two ( 2 ) business days. Note that any payment made after 5 XXXX ET on your statement closing date will not be included on that cycles billing statement, but will be on your next cycles billing statement.
Returned Payments If any electronic payment is returned unpaid by your financial institution for any reason, we may charge and you agree to pay a returned payment fee. You may also be charged late fees based on the terms and conditions of your Card Agreement.
Limitations If you are making an online payment for the first time, or have recently changed your payment account information, we may impose limitations on the number of payments accepted. If you do not make an online payment at least once every eighteen ( 18 ) months, you may have to re-enroll in Online Bill Payments. You can edit or cancel a payment up to XXXX XXXX. ET on its scheduled date unless by editing the payment your current balance will exceed your credit limit.
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| 09/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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A merchant committed fraud by shipping an incorrect item, then ignored all requests to correct the situation. Although I disputed the transaction with Citicard ( aka " Citibank '' ) 1 month later within the allowable dispute period, the matter had still not been resolved three months later, despite my frequent request for updates from Citicard. I was ultimately denied the recovery of my money by Citicard because " too much time had passed ''. This is unacceptable since the passing time was all due to delays from both Citicard and the fraudulent merchant. Specific details now follow. On XX/XX/2020, I purchased a large inflatable water slide for {$99.00} from an XXXXadvertised merchant located in XXXX. Prompt shipping of 3-5 business days was promised. However, 1 month later on XX/XX/2020 I still had not received the item. The XXXX tracking number I had been given still showed " preparing for shipment '' and 2 email requests to the merchant from me regarding status update had been ignored. I disputed the transaction with Citicard, and I received the response that I would be given conditional credit of {$99.00} while they investigated the transaction. I did not hear anything else on the matter until XX/XX/2020 when a package finally arrived from the merchant. However, it did not contain a {$99.00} large inflatable water slide -- it contained one pair of socks. I called Citicard that same day to let them know that I believed that the merchant was trying to defraud both me and Citicard, but I was informed that I would need to wait for official email communication from Citicard to continue or update the dispute. 10 days later on XX/XX/2020 I received communication from Citicard that the merchant had " proven '' shipment and delivery, and therefore Citicard would reverse the {$99.00} conditional credit and close the dispute. I responded to Citicard on XX/XX/2020 by email, fax, and USPS mail using their own provided form that I was not satisfied with the resolution, that the merchant had indeed committed fraud of which I had solid proof, and that I believed the merchant was deliberately working within Citicard 's known policies in order to carry out the fraud. I did not receive another response until XX/XX/2020 when Citicard requested more information including receipts, etc, with a warning to return all requested information by the next day, XX/XX/2020! I replied the very same day with all requested proof including receipts, advertisements, email attempts to the merchant for resolution, and pictures of what was ordered vs what was shipped. Confusingly, I received two email responses from Citicard. On XX/XX/XXXX, I received an email stating " We received your dispute information. Your dispute is still open. '' 3 days later on XX/XX/XXXX, I received a secure message linking to a document backdated to XX/XX/XXXX stating that because they had " previously requested necessary additional information from you through email concerning this dispute and did not receive any response '' that the dispute was being closed (! ). Finally, on XX/XX/2020 I received another secure message that " the time frame in which to resolve a dispute has passed. '' I sent Citicard a strongly worded email stating that all delays were on their side, that I would not let this go, that I will continue to contact them for resolution, that I may close my several Citicard credit card accounts since they can no longer be seen as trustworthy, and that I may seek legal counsel on the matter. I honestly have no hope of remuneration from the XXXX merchant but I feel that Citicard should be held accountable for their complicity in this.
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| 10/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX, I noticed two unauthorized ( {$22.00} and {$85.00} ) activities with my Citi/ Costco Anywhere Visa Card . I called Citi Bank to report fraudulent charges. My card ended with XXXX was closed and Citi issued me a replacement card, which was out for delivery on XX/XX/XXXX.
On the night of XX/XX/XXXX, I noticed another unauthorized charge ( {$280.00} ) made with the replacement card which I HADN'T RECEIVED yet. I called Citi Bank again to report this fraudulent charge when it was still pending, but Citi 's customer service agent told me to WAIT until the charge went through to file a dispute. ( They could have canceled the transaction and stopped the payment AT THAT TIME!!! ). I didn't activate my replacement credit card until XX/XX/XXXX and avoided using it for fear of further fraudulent activities with this card.
Ever since then, I have received numerous email messages from Citi Bank, asking me to reply with required information to help with the investigation, which I did.
On XX/XX/XXXX, I paid off all the balance on the Citi/ Costco credit card ending in XXXX and cancelled the card because I have been so tired of the hassles of inefficient investigation,.
On XXXX XXXX, I received a message from Citi Bank, telling me that their Billing Department completed the investigation and transfer my case to their Security Investigation Department. They also decided that it is MY RESPONSIBILITY to pay {$280.00}, so they charged it to my credit card ending with XXXX ( THIS IS a FRAUDULENT charge! ).
On XXXX XXXX, I called both Citi 's Billing Department and Security Department and talked to them for hours. The security department said they couldn't access my case since it was just transferred to their department and the Billing department told me that I don't have to worry about the payment until XXXX. However, I will have to pay the LATE FEE if I don't pay the {$280.00} charged by Citi Bank.
On XXXX XXXX, I logged into my Citi Bank account and noticed that I was issued another replacement Citi/ Costco Visa card, which I DIDN'T REQUEST AND DIDN'T WANT. I called Citi 's Customer Service to cancel the card and asked them to put the unauthorized charge of {$280.00} under the " fraudulent dispute '' instead of " purchase dispute ''. Unfortunately, the customer service agent DIDN'T INFORM me that cancelling the unwanted/ unrequested Citi/ Costco credit card would make my Costco membership number INVALID and I wouldn't be able to access my Citi online account any more!
On XX/XX/XXXX, I replied a call from Citi Security Investigation Department and had to provide the same information that I had done every time I called Citi Bank. The agent from Security Department told that I will have to call back to get updated information regarding their investigation. They WON'T REACH OUT to me for any updates!!! I also noticed that I was not able to log into my Citi Bank account on XXXX XXXX.
On XX/XX/XXXX, I realized that my Costco membership number was invalid because I called Citi Bank on XX/XX/XXXX and asked them to move my case under " fraudulent dispute ''.
On XXXX XXXX, I called Citi 's Customer Service and asked them about how they had the right to make any changes of my Costco membership number after I closed and cancelled the Citi/ Costco credit card . They said it was Costco 's responsibility. I asked how I will be notified of any message about the investigation and the agent said I will get it from mail ( This is different from what I was told on XX/XX/XXXX! ).
I am really tired of and frustrated about my experience with Citi Bank regarding how they handled the fraudulent reports.
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| 12/29/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Please be advised this complaint is being made with regards to Citibank and their Dispute Investigation Department.
The following reference numbers are associated with this complaint ; XXXX XXXX XXXX XXXX On Thursday, XX/XX/XXXX, I, XXXX XXXX XXXX became a victim of a fraudulent scam. It was understood that I was purchasing a XXXX XXXX puppy from a breeder located in XXXX, Ohio ( see attached contract ).
Not being able to reach the breeder, I became concerned and filed a dispute with Citibank on XX/XX/XXXX. The first dispute reference number is : XXXX in the amount of {$1200.00}.
Subsequently, on XX/XX/XXXX, I contacted Citibank once again and spoke with XXXX and was provided another reference number : XXXX. It was explained that this dispute for monies fraudulently taken were in the amount of {$600.00} and {$900.00}.
On XX/XX/XXXX I contacted the Citibank Dispute Department and spoke with XXXX at XXXX XXXX XXXX XXXXXXXX stated the investigation was still undergoing.
On XX/XX/XXXX at XXXX XXXX XXXX I submitted supporting documentation, i.e., FBI Complaint, CFPB Complaint, FTC.GOV Complaint, Complaint made to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see attached ). Called Citibank on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to request an update pertaining to faxed documentation.
On XX/XX/XXXX contacted XXXX XXXX Department requesting an update on the investigation and spoke with XXXX. Email follow-up sent by XXXX at XXXXXXXX XXXX XXXX
On XX/XX/XXXX called Citibank Dispute Department and spoke with XXXX, he stated " the investigation is ongoing and was provided a credit to my account in the amount of {$1200.00}.
On XX/XX/XXXX. XXXX contacted Citibank Dispute Department the CSR stated that the Investigation Team denied my dispute. I was then transferred to XXXX who I asked to appeal the decision. Was provided a new reference number : XXXX On XX/XX/XXXX aXXXX XXXX XXXX XXXX., contacted Citibank Dispute Department XXXX XXXX follow-up and spoke with a XXXX. She stated that the appeal is in its " pending stage and the case was reopened ''. Explained to XXXX that this individual who took my monies is an imposter and using a fictitious profile on XXXX, using stolen picture 's of humans and dogs. Pretending to be a dog breeder and using a fictitious XXXX XXXX called XXXX XXXX XXXX which was requesting {$1500.00} to be paid to them, hence I refused.
On XX/XX/XXXX, I requested to appeal this investigation and was denied. Citibank stated I was only able to receive a partial refund in the amount of {$760.00}, whereas I am at a financial loss in the amount of {$1900.00}.
Furthermore, Citibank has been unhelpful with this investigation and on XX/XX/XXXX debited my checking account in the amount of {$1200.00} placing me with no monies and in the negative balance.
Moreover, with all my supporting documentation submitted of over XXXX ( XXXX ) pages sent to Citibank, they still have gone ahead and denied my appeal and investigation. Regardless, I have become a victim of fraud and a scam. I changed all passwords and XXXX finally has closed the deceptive " persons '' page after reporting this nearly fifteen ( XXXX ) times. My monies are FDIC Insured and therefore, I the customer of Citibank since XXXX have never had any issues until recently, and Citibank should have taken the loss with attempt to their " investigation '' with the opposing parties financial institution.
In sum, I am requesting the CFPB assist me with my complaint and obtaining any and all monies that are owed to me.
I thank you in advance for you time and consideration.
Regards, XXXX XXXX XXXX
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| 01/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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From XXXX through XXXX of XXXX, I was employed with a company that contacted me through legitimate business channels to offer me the possibility of employment. The name of this company was XXXX XXXX XXXX XXXX ( XXXX ). After numerous discussions about the employment opportunity, I accepted and signed an employment contract on XX/XX/XXXX. My first day of work was on XX/XX/XXXX. My duties for this job as they were described to me was to purchase high demand products that were specifically order by customers located in other countries that did not have access to these products. I would be reimbursed for the purchase price of these products via an official company bank account with my name listed as an authorized account holder. I would then ship these products to an intermediary that would be gathering products from various employees and ship them in bulk to the customer fulfillment location. After 2 weeks I began to get suspicious of the operation due to the lack of information I was being provided and the questions I had asked that remained unanswered by my superior. After asking these questions repeatedly, every payment that was made from the company bank account was reversed and I was stuck with a large amount of debt. I repeatedly reached out to my superior after this instance and was assured it would be resolved. It was never resolved, and my superior ceased all contact with me and would not respond to my calls, messages and emails. I immediately contacted the credit card companies to ask them how these payments could reverse, and they stated that it was a feature of the bank account that was being used. I was never paid for any work and was left with over {$85000.00} worth of debt.
I immediately went to the police and filed a police report. I then contacted the police in each city I was sending products to. I was alerted to large XXXX at one location and the police were unaware of anything at the second location. I then reached out the to Federal Bureau of Investigation ( FBI ) who informed me that this was a fraud scheme and there were many victims throughout the country. I was informed because the criminals were foreign, it would be highly unlikely for any justice to come to them, and I was best off to contact a lawyer.
I contacted an attorney in XX/XX/XXXX. After explaining my situation to them, they agreed that I should not be held liable for debt incurred and I retained their services to help me in this matter. On XX/XX/XXXX, my attorney sent the first of three demand letters to each of the 3 creditors via certified mail. The second demand letter was sent XX/XX/XXXX and the third was sent XX/XX/XXXX, all letters were sent via certified mail. These letters explained the situation as well as highlighting the banks involvement in the perpetuation of this crime. My attorneys received no response from any of the 3 demand letters to the 3 different creditors. I was told by my lawyers that I had 2 options, sue the creditors to force them to address this issue or do nothing. They told me they recommended that I do nothing. It would be very costly to engage in litigation with 3 separate creditors and it would most likely cost more than the debt itself. My attorneys believed that the creditors knew that they could not collect this debt and therefore would just write the debt off and avoid any legal battle. I have taken their advice and have not heard from any of my creditors. My credit score and credit report have been destroyed. I am unable to receive security clearances for work and have lost out on several employment opportunities. This has completely turned my life upside down.
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| 05/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
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This complaint is regarding my Citi XXXX XXXX Card. I had an auto payment set up on the account and the payment was due on XXXX XXXX 2017. For this payment, I wanted to use a different bank account than the one li nked to the auto-pay because of a hold on a deposit, so about XXXX XXXX . ( PST ) on XXXX XXXX 2017, I cancelled the auto-pay online. Then later in the day around XXXX XXXX . ( PST ) on XXXX XXXX 2017, I went online to make the payment manually. My account showed that the auto payment was being processed, though I had cancelled it already. I called the customer service and spoke to a representative ( XXXX ). XXXX first told me that the auto payment was being processed, but then checked with a supervisor and later confirmed that my auto-pay cancellation request was successful and that I would be able to make the XX/XX/XXXX payment manually online. I went online, but was not able to make the payment of {$360.00} ( my last month statement balance ) because it still showed that the auto-pay was being processed and my balance was only {$230.00}. I immediately call ed Citi 's customer service back at around XXXX XXXX . ( PST ) o n XXXX XXXX 2017, and spoke to another representative ( XXXX ). I e xplained the situation, she looked into my account and read the notes input by XXXX . XXXX c onfirmed with a supervisor that my auto-pay cancellation request was successful and then informed me of the same. She told me she could take my payment over the phone at no charge so that I would avoid any late fee because I could not make the payment online. I gave her my bank account number and the routing number. This call lasted 17 m inutes ( according to my phone records ), so i t must have been approximately XXXX XXXX . ( PST ) when I gav e XXXX my other ba nk information. When I accessed my account online today, XXXX XXXX , 2017, I noticed that the bank posted a late fee and interest. It also showed that the payment that I made at around XXXX XXXX . ( PST ) on XXXX XXXX 2017, was posted on XXXX XXXX 2017. I called Citi to inquir e about this and both the representative ( do n't remember the name ) and his supervisor ( XXXX ) said I made the payment at XXXX XXXX . ( CST ) on XXXX XXXX 2017. I t old them that was not true because the last time I called Citi and spoke to XXXX was Saturday, XXXX XXXX 2017, at XXXX XXXX . ( PST ) w hich would have been XXXX XXXX . ( CST ). Th ey were adamant that I made that payment late, even though I have my phone records showing th e two tim es I called on Saturday, XXXX XXXX 2017. T he representative first told me he could n't remove the late fee, and I argued my case. Then he agreed to remove the late fee but not the interest. I then asked to speak to a supervisor who could help me and provide a better customer service. In the end, XXXX agreed to remove the late fee and see what else he could do for me, but he gave me a lecture about how I should make payments on time. Please note that I have never made a late payment once on this account. He was very unpleasant and handled this matter very unprofessionally. They should not make me jump through hoops when I did n't make the payment late. They created this whole lie about how I made the payment late. It appears that Citi manipulates its customers by posting a payment by phone nearly 12 hours later than when the payment was actually made. This type of unfair and unlawful business practices s hould not be allowed.
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| 07/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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As a XXXX XXXX XXXX, in XXXX I personally, with hammer in hand, built this home for myself and my family to enjoy and create wonderful memories to pass down to future generations. As you can imagine, this home has great personal and emotional value to me and my family. I have a first mortgage on the property with XXXX XXXX XXXX. In XXXX when the hardship set in, I was a home builder who averaged 12 - 15 new home constructions for over 20 consecutive years, and an average income of approximately $ 150,000/year. In XXXX, our local housing economy followed the national housing economy and suffered a major recession after the XXXX bank/mortgage crash. New construction contracts were practically non-existent, as was my business. I started to fall behind in my mortgage payment in XXXX. At the same time, I was struggling with a very hostile divorce involving XXXX young children ( XXXX & XXXX yrs old ) and marital property. In XXXX, to make all of this worse, I was diagnosed with XXXX XXXX. Complications from the XXXX XXXX and nearly XXXX caused me to be out of work for a year after. During the hardships, I remained in constant contact with Citimortgage and was up front with my circumstances. Since XXXX, I have applied for and have worked with Citimortgage on 8 separate Loan Modification Applications. Three of the Loan Modification applications resulted in me being rejected ( with NO reason given ) for both the Federal HARP and HAMP programs. Five other Loan Modification applications resulted in payments that were unreasonable and unattainable because the monthly payment offers were higher than my original mortgage payment that I defaulted on, also, again no reason or justification for the higher payments. The Loan Modification process has been frustrating, as I have diligently cooperated in returning required documents upon Citimortgage 's request, and then go weeks ( sometime months ) without a response. Many times, when responses were received, the representative would not be the original person I had been working with, resulting in the loss of documents I previously sent, which would then have to be re-submitted, thus setting the process backwards for months. My records show I have been assigned at least 10 different Citimortgage employees referred to as " Single Point of Contact '' " Homeowner Support Specialist '' in the past 8 years. In the meantime, I have not been allowed to make mortgage payments, and the " total due '' and all modification figures, including late fees, foreclosure and attorney fees, continue to accumulate. For two of the separate Loan Modification Applications, the process took longer than the bank would allow, and they turned into foreclosures. My attorney was able to have both of these foreclosures overturned by a Judge each time because the bank attorney, XXXX XXXX XXXX, procured the foreclosures in an illegal and unethical procedure. Even with the Judge throwing out the foreclosures, Citimortgage continues to include these foreclosure and bank fees in my total arrears amount owed. This started the Loan Modification process all over again. The most recent foreclosure proceeding forced me, on my attorneys advice, to file personal Chapter XXXX Bankruptcy ( XXXX XXXX ), to allow me time to apply for my most current Mortgage Loan Modification Application ( 8th ), which resulted in another unaffordable mortgage payment without any explanation or itemization of how they arrived at the payment and total arrears dollars. This 8 year ordeal to save my home for my family has cost me hundreds of lost work hours from my business. PLEASE HELP ME SAVE MY HOME!!!
Thank You
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| 07/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I bought through the program of XXXX ( XXXX XXXX XXXX XXXX XXXX ), and the closed date was XX/XX/XXXX., Escrow No :, this house has two XXXX PROGRAM LIENS.
All the professional people involved in this transaction did not explain or discuss or neither was I aware about the problem that will represent this lien on my property. If I would have known, first I wouldnt buy the house and second I wouldnt have be qualified for a loan, because the amount of the lien is charged on the property taxes.
I called the Tax Collector and they said the amount is because the previous owner did some repairs to the house, and the money is charged in the property tax bill. I called Citi and they said that this issue should have been explained to me during the process of the purchase of the house and they said they cant help us. But again, Escrow, Title, XXXX, the Realtor who represented me, and all the professional people involved in the transaction did not explain or clear this previous lien.
Obviously the amount that is increasing my payment makes a drastic change in my financing situation, on the final paper that I received from the bank my payment has to be {$1200.00} including taxes and insurance, now the payment is {$1700.00}, I was never approved for this amount. All the numbers were calculated according to the regular taxes without including the XXXX Program lien, because no one was either aware of the lien or no one noticed the lien.
I trusted the people who represent XXXX, I understand that XXXX should protect me as a buyer against predatory lenders, and help me to achieve an affordable mortgage payment. XXXX lenders and underwriters must review all the reports and any information including preliminary reports from title company, I believed they did not review this report because XXXX and Citi accepted to close this transaction without clearing this lien.
There is no way for me to understand why XXXX and Citi didn't noticed these two assessments that were recorded as a lien against the property that are collected by the county tax collector. Both XXXX and Citi were over my income, I couldn't be qualified for XXXX, that was the listing price of the house, they approved me for {$250000.00} ONLY and I paid the difference, my monthly payment was approved for {$1200.00} and adjusted in XX/XX/XXXX to {$1300.00} and now with these two XXXX payments I'm paying {$1700.00} since XX/XX/XXXX, an increment of {$410.00} every month, I can't afford this new payment.
XXXX and Citi had approved the loan without including this XXXX payment, if Citi and XXXX would had included it I wouldn't be approved for this loan, and for sure I wouldn't have bought the house. I went to obtain a copy of the recorded lien and reading the document I have to pay for 16 years {$1500.00} two times a year and for the second one {$1100.00} two times a year for 7 years, a total of {$5200.00} a year, at the end of the years the amount is about {$40000.00}, this is unacceptable. That means the price of the house was more than {$300000.00}, with my income impossible to pay it.
During the transaction no one provided me with the complete documentation of the liens, it was until this year that I obtained.
I have been sending emails to XXXX, and Citi, but I haven't had a response.
The XXXX program lien, it's on first position and the closing disclosures requested that Citi has to be in first position, that means if I am not able to pay my mortgage, XXXX can foreclose my house.
I sent a claim to escrow in which they denied, and I can not afford an attorney, I feel that everybody is avoiding the responsibility of this issue.
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| 01/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My first problem that has bothered me for years wit Citimortgage is this ... I filed bankruptcy in XXXX and reaffirmed my mortgage with Citimortgage. At the time of filing I was with a program call Bisavers and in good standing, my payment was automatically paid biweekly. In XXXX I was actually release from bankruptcy. However in about XXXX, while checking my credit report, I found that my mortgage was still showing as in bankruptcy. I contacted Citi, and they then tell me that my lawyer did not sign, therefore it was not honored. I went back to my attorney and the bankruptcy court to fix the problem but Citi said it was too late because the case was closed. In XX/XX/XXXX, Citi, notified the program that automatically paid my loan payments that the loan was in bankruptcy and they drop me without my knowledge..and from that point I got behind ... along with other issues one was I lost my insurance, I was late often by payments went up because I was n't able to get any that I felt was in my budget. Citi automatically placed insurance on my home that tripled my initial amount. From this point Citi began reporting to credit bureaus..not only my bankruptcy but my delinquent payments. This went on several years with different complaints to them as well as the bureaus, because by law it was if they carry me bankruptcy they could not report delinquent information. Approximately twice, Citi removed the delinquent reports but still carried me in bankruptcy status. Within in notime my score began droppung, and there again Citi begans to report my delinquent payments. Im still recieving the bills monthly but it states that it 's not an attempt to collect a debt. I have no access to my account information on line ... and when calling in, I 'm sent to the bankruptcy department. I have really been so upset about how the company has handled my mortgage with no respect to my concerns or my rights as a consumer. Last month they started foreclosure because of lack of payments, which is understandable ..I sent in 2 payments..I was sent letters and advised to call an advisor assigned to me but of course..she was always on another call ... I scheduled call backs..no call backs. Finally, received a letter to contacted the law firm. I called to get the total understanding of what was happening and what I could do to stop the foreclosure. I was able to reach a young man at Citi who help me save my home of 20 years. On top of what I owed I had to I had to pay an additional XXXX to the law firm. After making all full payment, Citi never contacted me back, by letter or call to let me know the conclusion. I was told by consumer service that the payments were received and my mortgage is reinstated. I then filed a dispute with Citi, about credit reporting again, because they are still reporting delinquent payments and will probably by next month report the foreclosure or collection. I recieved a letter from Citi asking me to send in credit reports with information I 'm disputing. My belief is that they know they are illegally reporting to the credit bureaus and are refusing to correct it, as if I dont know my rights..as well as holding my mortgage loan XXXX for over 12 years for no legitimate reason. I am so disguised with how they 've treated me and have given up several times, thinking I had no other resort, but sue, but I ca n't afford to fight a corporation. I feel that in totally it is deliberate and predatory. This has caused stress, aggravation and XXXX which has affected so many other areas of my life. I also would like an audit of my mortgage payments and an estimated payoff date. Thank you in advance.
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| 02/08/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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I XXXX ( XXXX ) XX/XX/XXXX has posted my resume on XX/XX/XXXX ZIP Recruiter website for jobs. I received a response by email on XX/XX/XXXX stating that my resume had been reviewed and approved by Business Development XXXX at XXXX XXXX XXXX named XXXX XXXX. Copies of all emails, checks, deposits slips and other documents are attached to this report. XXXX gave a formal introduction about the company, my roles and responsibilities and offered me a position as XXXX with XXXX hours per week/ XXXX days with a pay of {$500.00}. XXXX asked me to email my biography or work history details and CITI bank details and I did that. On XX/XX/XXXX he sent me a XXXX email stating that he also engaged in Corporate Social Responsibility by catering to the needs of foster homes across the states and moreover he was going to send me some checks that I would have to deposit in my account and follow his instructions. On XX/XX/XXXX I received an email with details of tracking number XXXX XXXX XXXX from XXXX with a cashier 's check from XXXX bank made payable to me from remitter XXXX in the amount of {$280.00}. After I received the check through UPS he texted me on XXXX XXXX to deposit {$2400.00} from the cashier 's check to the account number of XXXX XXXX XXXX XXXX XXXX account number XXXX. I deposited the {$2400.00} to the XXXX account number XXXX as per his instructions and I emailed him the deposit slip. On the same day, he told me to purchase a {$20.00} check for an XXXX foundation on the name of XXXX XXXX XXXX and scan the check and send to him. On XX/XX/XXXX I received a text stating that I am getting another check via XXXX XXXX number XXXX in the amount of {$2900.00} and that I would have to make a cash deposit of {$2500.00} into the same person 's XXXX account of XXXX and email him the deposit slip, which I did that. For the remaining {$400.00} he told me to make a deposit to XXXX to XXXX as per his text situation of things at their orphanage home were worse. He told me to do make a money order from one XXXX to another XXXX, which I did and attached the slip. All those slips I have with me. On XX/XX/XXXX morning around XXXX am I received a text message from XXXX that said that I was going to receive another check via XXXX tracking number XXXX and I later received a check with amount of {$6900.00} from XXXX, remitter XXXX, made payable to me. Meanwhile I have to pay some bills from my account so I logged in to my online bank account and then I was surprised to see that nothing was showing up on my account and I contacted CITI bank people and they told me there was some issue with last check I deposited and that my account has been blocked. I was so surprised and in trauma because all my cards are blocked.
When I tried to contact XXXX on PHONE NUMBER XXXX, he did not respond at all. I tried my best to contact him but in vain, no responses. The bank people contacted me again to pay back the amount of {$5200.00}. Citi bank told me that al-though I deposited the checks at the teller and I withdrew the money with them, they still can not make it out and after money has been transferred they told me I do n't know what to do where to go how to manage the things I was in trouble for 4 days then I decided to inform the police and I informed the XXXX Department XXXX XXXX XXXX, Office of Inspector General agents on XX/XX/XXXX because I have not used a single penny of bank. Moreover I have all deposits slip, delivered envelopes and the third cashier 's check they sent me. I called CITI bank customer care people and they connect me to Fraud department and I spoke to person name XXXX and I explained to XXXX al
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| 10/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
Servicemember |
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XXXX months ago, a payment was missed on my Citibank credit card, and a penalty interest rate of 29.99 % was swiftly applied. I called immediately to set up automatic payments in order to avoid any future oversights, and was informed tat that time that the penalty rate would be eligible for removal following 6 months of consecutive on-time payments.
XXXX consecutive on-time payments have since been made, however, the penalty APR has remained in place. When I called last week to request removal of the penalty APR, I spoke to XXXX different representatives, via XXXX distinct channels ( phone, chat ). Each first line representative parroted a similar response, and that response was : " I'm sorry, while you are eligible for removal of the penalty APR, I do not have that option available to me yet in the system. You are welcome to check back in after periodic review to see if the option generates at that time .... '' No clarity was provided as to when " periodic review '' would occur, or at what cadence it should occur. Given that I had been eligible for removal of the penalty rate for XXXX months, an *effective* periodic review process should and would have caught this without the need for me to intervene.
Not only did the supposed periodic review fail to rectify the situation, but it seems that the standard procedure is engineered to wear consumers down, or encourage them to try later. This strategy is likely quite effective for Citi, as many consumers may not have the time, energy, inclination, or knowledge sufficient to escalate effectively. I will include screenshots of a chat conversation which demonstrates how difficult Citi is making it for consumers to address penalty APRs that are eligible for removal. You will see that several requests made by me for escalation were met with " You are welcome to call back after periodic review, please let me know how else can I help you today?, '' or something equally unhelpful.
After XXXX more points of contact via phone that same day, and a relentless persistence on my part to demand escalation, I was finally able to get the rate reverted back to the non-penalty APR of prime plus margin. However, the level of resistance and avoidance I encountered from multiple Citi employees was unacceptable and clearly indicative of an abusive procedure whereby Citi is applying penalty APRs expeditiously, and then leaving them in place well after the consumer is eligible for removal, and possibly as long as they can to continue to generate more interest income.
I am certain that if this happened to me, it is happening to many other consumers, and Citibank needs to be held responsible for its clear failure to adhere to regulations in place to protect consumers.
The Credit Card Act of 2009 says that if a credit card company can increase your interest rate based on market conditions, your XXXX XXXX, and other factors such as payment history, it must also consider those factors when deciding whether to lower your interest rate. Further, the act requires card issuers to review such accounts every 6 months at a minimum, and if the factors have changed in the customer 's favor, the card issuer is required to lower the rate. With respect to penalty APRs, the regulation states that rates must be reduced if a penalized customer makes XXXX consecutive on-time payments.
As a result of the failure to remove the penalty APR as expeditiously as it was applied, I have paid more than {$2000.00} USD in interest over the past XXXX years. This amount represents only interest beyond what would have been incurred by my non-penalty XXXX given the balances held.
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| 03/03/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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Web |
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Citi Bank High Yield Savings Accelerate Account Credit Card Account On XX/XX/XXXX, I tried to log into my account and it was unsuccessful. I assumed the online site was down so I tried to log in again on XX/XX/XXXX. I was unable to log in again and I had received an email from Citi bank saying my high yield savings account ( and any other citi account ) would be closed within 60 days. The email said I had violated the terms per client manual, on the HYS account. So, I called the number XXXX option 4 as provided in the email if I had any questions. I spoke to a representative. The representative said that she had no information she could give me and she transferred me to another department. I spoke with another representative who looked into account. She said I was blocked any access to my account, and repeated details of what the email had said.
I explained that Ive only had the account opened for 2 months. At which she responded that my account was under investigation, and hung up on me. I do not understand why my account was closed to begin with as I have not overdrawn or let dormant. I have read through the client manual multiple times and have not been able to find any violation, that would have gotten my accounts closed.
Another problem is, since I have been blocked from my account, I am worried about the time frame I receive my money back. I also can not check to make sure the address they have on file is correct.
The email I received is as follows XXXX We periodically review customer accounts and assess account activity. Based on a recent review of your Citi ( R ) Accelerate Savings account, we found that you have violated the terms of your account per the client manual.
As a result, your Citi ( R ) Accelerate Savings account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately.
With your account closing, please remember to : Make sure that the address we have on file is correct- we will send any funds belonging to you to this address, once the account is closed. If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card.
Please note that credits may be applied to the account to satisfy an overdraft. If we are unable to apply the credit to an active account, the credit is unable to be returned to the sender.
Immediately cancel any automatic deposits or recurring transactions from your account ( s ) ( including direct deposit and monthly auto-billing ).
Please stop all ATM/debit card activity - your card is no longer active.
If you have a linked Checking Plus account, the closure of your checking account is a term of default under your Checking Plus agreement. Therefore, in accordance with the terms of your Checking Plus agreement, we will also be closing your Checking Plus account and you will no longer be able to take loans from the account nor will it be available to cover overdrafts. If you have an outstanding balance on your Checking Plus Line of Credit, you will continue to receive statements and are expected to continue to make payments in accordance with the terms of your Checking Plus Account Agreement.
If you'd like to discuss this matter further, please call us at XXXX, Option 4, Monday - Friday, XXXX XXXX - XXXX XXXX, and Saturday - Sunday, XXXX XXXX - XXXX XXXX, ET ( TTY : XXXX for hearing and speech impaired services only ) to speak with an agent that can help you with your Citi accounts
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| 02/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX and XXXX, XXXX multiple unauthorized charges were made on my Bestbuy consumer credit card. One purchase was made on XX/XX/XXXX in the city of XXXX, AZ Bestbuy store in the amount of {$3.00}. Four more purchases were made 0n XX/XX/XXXX in the city of XXXX XXXX, CA Bestbuy store in the following amounts {$250.00}, {$260.00}, {$71.00}, and {$340.00} for a gran total of {$930.00}. On XX/XX/XXXX my wife and myself were in the XXXX XXXX area XXXX XXXX XXXX, and XXXX, Ca ) shopping for XXXX gifts ( I have bank statements ). On XX/XX/XXXX my wife and I stayed home to wrap gifts and made only one purchase that day in our local XXXX XXXX XXXX ( I have bank statements ).
After Best Buy notified me by text on XX/XX/XXXX that my account was being used fraudulently my account with them had a fraud alert placed on or about the same day by Best Buy. I received a phone call from a person claiming to be from Best Buy Fraud Department shortly after the unauthorized purchases were made. The person on the other end asked if I recognized any of the purchases to which I replied no. They asked if my Best Buy credit card has been lost or stolen to which I replied no. They told me that I was not responsible for the charges and that new cards would be issued. Best Buy also posted a message to my account stating that they would not charge me for the fraudulent charges nor any interest.
On XX/XX/XXXX I received another phone call from Best Buy fraud department although this time with a totally different tone. This time I was asked if my Best Buy credit cards were with me during the time of the mentioned purchases and if I or my wife had ever misplaced our cards at all. Yes we had our cards at home and they had not been misplaced. I told the representative that the only time I used my Best Buy credit card was to pay for my XXXX XXXX internet service. Then I was asked how do I explain the purchase to which I replied, I have no idea. I was told that the investigation would continue but at the time the investigation did not look favorable for me but they would do their best to have a positive outcome for me.
I could not understand why this would not be in my favor because of the fact that I nor my wife made thses purchases. I hoped a thorough investigation on the part of Best Buy Fraud Department would vindicate myself and my wife.
On XX/XX/XXXX I received in the mail a letter from Best Buy. In it was their conclusion to their investigation and their conclusion was based in part on the following statement You received benefit from the disputed charges made on your account. And as a result, I was re-billed for the entire amount of {$930.00}. I called Best Buy Security Operations on XX/XX/XXXX to let them know that I was in total disagreement with their decision. I asked if I could appeal this decision and I asked that this investigation be reopened and both questions were responded with no.
I asked for proof that myself or my wife made such purchases such as a photograph or a copy of a signature, what items were purchased and their response was that I had to go through the local police for such requests. This leads me to believe that the Best Buy stores in XXXX, AZ and XXXX XXXX, CA were not contacted during their investigation, how can this be? It seems Best Buy has no intention to help its customers during stressful claims of fraud. Best Buy insisted that since my credit cards were with me there was no way they could be duplicated and therefore I am responsible for the charges.
My credit score is exceptional. There is no way that I would jeopardize something Ive worked so hard to maintain.
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| 02/09/2016 |
Yes |
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Web |
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I noticed an unauthorized charge of {$50.00} on my Macy 's credit card account when reviewing my XXXX billing statement online and followed the instruction on the site to dispute the charge and provided all the information asked by the dispute form. I even called customer service to confirm that the dispute has been received. I was told that I would not be liable for the charge during the investigation and no late fee and interest would accrue while this is being looked at. When my XXXX statement arrived, I noticed that the disputed charge is still on the account, plus late fee of {$27.00} and interest charge of {$1.00}. I called customer service again to find out why, and was told that they did not receive any dispute prior to this. This is already very frustrating especially when I have done the dispute online AND called. Now I am being told that they will officially open an case, close my old account and give me a new account number. My new card with a new account number arrived in a few days. When trying to call to activate the new card by calling the number on the sticker, after waiting for 5 minutes in silence no one picks up. I tried 4 more times after that and got the same treatment. I even tried to activate it online, only to receive error messages telling me to call customer service. I finally called customer service AGAIN, and got transferred directly to the collection/payments department, demanding that I make a payment immediately because my account is past due. They also told me that they can not activate my new card because they can not allow me to make new charges until my account is in good standing. This is beyond ridiculous at this point. I finally got through to another rep and explained my entire situation once again. After holding for an eternity, I got transferred to their consumer protection department, and again, had to tell my entire story over. The rep told me that my account will continue to rack up fees and interest until the investigation is complete and in the mean time, I will not be allowed to use my new card to make purchases because my account is past due. I then asked her why are you sending me a new card when I am not allowed to use it. She said it 's their job to send me a new card, but it 's the collection department that is putting a hold on it and they have no control over it. This is the most ridiculous and contradicting thing I have ever heard. How can you have such conflicting policies within the same company? Departments blaming each other instead of solving the customer 's issue. In all my experience dealing with other credit card companies, whenever a dispute of fraudulent charge is raised, a conditional credit is put on the account for that amount so it stops appearing as balance due and no late fee or interest will be charged while investigation is being done. Once investigation is complete, if the finding is in my favor, the credit becomes permanent. I would use my card as normal during the whole process. Seems like Macy 's has a policy that yields the worst possible experience for a consumer in this situation, not only will you not stop assessing fees and interest on the disputed amount, but you wo n't even allow the consume to continue using the card ( not that I am XXXX to use the card at this point given the treatment I have received ), as if dealing with a fraudulent charge situation is n't already hard enough. Now I have to worry about having a mark of " past due account '' on my credit report. This is very unfair to the consumer. I have an impeccable credit score of XXXX and I will not let this create a ding on my record.
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| 01/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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Im writing this complaint to ask for help. COSTCO CITI XXXX made a mistake in our original dispute, claiming a {$2500.00} dispute and then closed the dispute based upon the merchants word. CITI later reopened the dispute. Either they were trying to appease us or they saw merit in our complaint. This time they even gave us a credit for {$12000.00}, whereas before they only gave us a {$2500.00} credit due to an error on their part.
On XX/XX/XXXX, we paid XXXX XXXX located at XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX, {$14000.00} using our COSTCO CITI XXXX card. CITIs own documentation shows we disputed the charge on XX/XX/XXXX as we DID NOT RECEIVE SERVICEs FOR WHICH WE PAID.
We paid what amounted to {$15000.00} including airfare for our XXXX daughter to attend a 30 day/night treatment with community housing. XXXX XXXX discounted the {$15000.00} by {$400.00} as airfare was charged separately. I came to learn later it is illegal in Florida to offer a transportation discount across state lines as it is a felony charge. It is called enticement. She received 3 days of counseling and 5 nights stay at their residential housing before XXXX XXXX TRANSFERRED her to XXXX XXXX XXXX for XXXX treatment, where she stayed until she was released the afternoon of XX/XX/XXXX and then on XX/XX/XXXX was TRANSFERRED by XXXX XXXX to another facility located XXXX hours away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The new location was XXXX XXXX XXXX XXXX located on XXXX XXXX. XXXX XXXX our daughters counselor at XXXX XXXX XXXX XXXX can vouch that she arrived on the XXXX.
XXXX XXXX has a clause in their documentation that said, If the Client is transferred for therapeutic or medical reasons, any monies paid by or on behalf of the Client will be refunded at a lesser rate of our full per diem rate for each day. WE RECEIVED NO REFUND for missing services we paid for. We understood the transaction was nonrefundable for circumstances like our daughter leaving or we didnt like the service, but not because XXXX XXXX took it upon themselves to TRANSFER her elsewhere. Still their own clause applies.
XXXX XXXX said our daughter made a major rule violation and that is why she was discharged. Yet, XXXX XXXX own documentation stated she was discharged XX/XX/XXXX. They discharged her 4 days prior to her arrival back at their facility. She was still in XXXX XXXX. HOW COULD SHE COMMIT A RULE VIOLATION WHILE IN A HOSPITAL OR IN A XXXX XXXX FOR WHICH XXXX XXXX WAS SUPPOSED TO BE TREATING HER?
We have provided all the documentation to CITI. We even explained XXXX XXXX the Business Manager for XXXX XXXX and spouse to the CEO of XXXX XXXX is listed as a felon on probation. We now know XXXX XXXX is a felon for brokering health care patients for insurance fraud at other facilities or we would not have agreed to our daughter going there. He is still using the same residential facility as he did in the past. This alone should raise a RED FLAG for anyone.
CITI has been provided all the documentation to support our comments, but they side with the merchant instead of their client, even knowing XXXX XXXX of XXXX XXXX is a felon on probation until XXXX has not persuaded them. Once again our dispute was turned down and it seems no one can help an XXXX couple or a XXXX XXXX woman.
Even our demand letter to XXXX XXXX went unanswered. The attorney informed us it would be {$20000.00} to try the case and because XXXX XXXX is incorporated they would declare themselves insolvent as they have in the past and close shop without us getting a penny.
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| 09/11/2015 |
Yes |
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Web |
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We routinely, electronically paid our monthly credit card bill in mid XXXX through our personal bank. We were notified about 2 weeks later by the credit card company that we had failed to pay our monthly bill and should we not pay the bill there would be late charges, adverse credit report actions, etc. We immediately sent another electronic check to pay the bill and contacted our bank to investigate this. Over the course of the next 2 weeks we identified that what happened is that the original electronic check went through to the credit card company and they coded it incorrectly and so could n't cash the electronic check. The XXXX check we sent went through fine and subsequently the original electronic check was also cashed on our account. So we paid the credit card company XXXX. In working with both our personal bank and the credit card company over the past 7 weeks we have now been credited for the original check and the XXXX check EXCEPT that the credit card company continues to say they only cashed {$1800.00} of the {$2000.00} of the original check and they refuse to credit us the remaining {$200.00}. The following events have occurred : -originally the credit card company stated they never received the original check and blamed our bank-after our bank investigated it was found that the credit card company had been at fault by miscoding the original check. The credit card company acknowledged this. At this point the credit card company told us they only received {$200.00} from the original check not the $ XXXX-after further discussions with our bank and the credit card company, the credit card company then said that they in fact got {$1800.00} of the original {$2000.00} but that we had issued a stop payment of {$200.00} on the original {$2000.00} check. This stop payment allegation never happened.
-At this point I had a representative from my banks executive team speak with the credit card company personally and told them 1 ) no stop payment had ever been issued on the check in question, 2 ) it was impossible to issue a partial stop payment on a check ( i.e. we could n't have stopped payment on only {$200.00} of a {$2000.00} check ) and 3 ) all our bank 's records showed that the credit card company had in fact cashed the full {$2000.00} of the original check. We even submitted a copy of the original check to the credit card company which showed it had been deposited. We should have then been credited the remaining {$200.00} on our account.
-We just received another letter from the credit card company still stating that they now want our bank statements for the past 2 months to investigate this further. We still have not had the {$200.00} in question credited to our account.
This has been an ongoing problem for the past 2 months now. We have been repeatedly given different accounts from the credit card company over what they say happened. I have had our personal bank executives contact and speak with the credit card people to tell them what happened and that what they are alleging could not have happened and that the credit card company has made several errors it appears throughout this. It is an unreasonable expectation from the credit card company to ask for two months of personal bank statements. We have tried to work with them and our bank has even spoken to them. We would expect that this {$200.00} be credited to our account immediately as all of our banks records show that this check in question has been cashed weeks ago.
Of note, XXXX from the XXXX Executive Team ( phone XXXX ) helped with this and our Citibank contact has been XXXX, ID # XXXX ( phone XXXX ).
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| 08/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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Im filing my complaint in regards to my credit card account with Citibank.
For the last six months Im experiencing extremely difficult time to communicate with Citibank. All my attempts to resolve issue with my account with the above bank were unsuccessful. I have been trying to contact them to resolve issue pertaining to extra interest charged to my account for cash advances. Citibank uses unfair billing practices of charging their customers with extra interest for purchases or cash advance transactions that have been paid off.
I contacted Citibank Customer Service department on XX/XX/XXXX. The department is referring me to contact Client Focus Team stating that my account is handled by payment arrangement team and they dont have access to my account. They are transferring call to Client Focus Team, that department are not willing to assist me neither, and referring me to Credit Counseling Department, and so on and on.
I spent about two hours being on the phone with Citibank trying to speak to Account Manager. After numerous attempts to request to speak to Account Manager, I was transferred back to Customer Service Department and spoke to Manager named XXXX. He was reviewing my account with me and confirmed to me as a previous representatives that my cash advance balance that was posted to my account over 2 years ago, was not paid off. His conclusion based on the payment rules allocation of Citibank. XXXX stated to me because I was making minimum payments towards my balance, all my payments they were distributed towards my purchases with low APR and excess of payments will be distributed towards to higher APR which is cash advances. On XX/XX/XXXX Citibank decided to move my cash balance that is subject to interest rate of 9.9 % to my standard purchases to eliminate any interest they charge me for cash advance every month. Technically they did not resolve my dispute with extra cash advance interest they charged me since XX/XX/XXXX. They motivate their decision as a courtesy to show me that there is no more interest charged to my account towards cash advances.
Im completely disagree with their decision about cash advances and their payment allocation rules. I conducted my own research of the interest that were charged to my account since XX/XX/XXXX. Billing statements show the same balance of {$66.00} in average subject to interest. Regardless of my payments that I made towards my outstanding balance, were not applied to cash advance transaction.
The cash advance transaction was placed on my account in XX/XX/XXXX for {$54.00}. Prior to my account was closed, the APR for cash advances was 25.74 % and I was making more than minimum payments. Citibank states that all my payments were allocated towards my purchases, and not towards my cash advance transaction. In XX/XX/XXXX my account was enrolled into Debt Management Program and my APR for purchases and cash advances was changed to 9.9 %. There are no more purchases made to my account since account was closed. Citibank is playing game and uses their unfair billing practices and charges me extra interest towards cash advance transaction that have been paid off.
All my attempts to discuss my account with Citibank did not bring me any positive results. It is not possible that the small transaction of {$54.00} was not paid off.
Citibank does not admit their error and they motivating their response there is no error from their side. I was charged extra interest from them and now since they moved cash advance balance to my standard purchases, it even harder for me to prove that cash advance balance on my account was paid off.
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| 03/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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I've had a Citibank credit card account for over 37 years. It had a very high limit which I only kept that account in case of a family emergency. I never used that account for regular purchases. The card was kept locked up. I did however have the account set up to pay balance in full each month as an Autopay to be deducted from my personal checking account.
In XX/XX/2022 I noticed on my bank account that over $ XXXX was taken from my account as an autopayment from Citibank . I contacted Citibank customer service and they immediately connected me to the fraud department who went over the transactions with me and assured me I would not be responsible for any of the fraudulent transactions. The $ XXXX would be returned to my bank account, which it was, and they shut down that " credit card '' and sent me a new one. However, I never received that new card and then the next month more fraudulent charges appeared on my account under a new card number. Again I contacted Citibank customer service and again they assured me I would not be responsible and they would shut down that card, and send me a new one. Again I never received a new card, and again there was more fraudulent activity the next month now XX/XX/2022. This time after being transferred within Citibank customer service and around an hour & a half of discussion on the phone someone finally was starting to see what was happening and seemed like they could help me. Apparently as soon as they would verify my correct address & email someone from the dark web was changing it and ordering new accounts and cards in my name. And again I was assured that I would not be responsible. But, in XXXX of 2022 I received an alert from XXXX XXXX that my credit scores had dropped from XXXX to the low 700 's because of a 30 day late payment on my Citibank account. Like I said I have had this account for over 37 years and have never ever made a late payment, or even used the card not once in the past 2 or 3 years. I also have made it a personal goal for my husband and myself to always maintain perfect credit scores as we are both in the financial services business and understand how valuable an excellent credit rating is. I contacted Citibank customer service and the foreign representatives could not help me at all, they seemed to struggle with understanding my situation and how they could help. I repeatedly asked for someone in the fraud department which I finally did speak too, and they said they understood and would correct the situation. The next thing that happened the next month was I got another late payment and my account of over 37 years with an extremely high limit was closed and my credit scores dropped another XXXX or so points. At that point my scores were in the 600 's. I contacted Citibank to submit a dispute, as well as filing disputes with all three credit bureaus.. Supposedly my disputes have been ignored, or settled as legitimate and my credit reports are still showing inaccurate information and my Citibank account is " closed by creditor '', Which has adversely effected my excellent credit history. I understand that it looks bad to have a creditor close your account, and it adversely effects your score as it reduces your debt to credit ratio when you lose access to a high amount of funds.
I did contact an attorney but it seems like all the credit attorneys just want to help people that are trying to get out of paying their actual debts... not fight for those that have legitimates issues with a creditor.
Thank you very much and please let me know if you need any further information from me.
Sincerely, XXXX XXXX XXXX
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| 06/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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In XX/XX/XXXX or early XX/XX/XXXX I was driving and a Sears rep contacted me to talk about extending my warranties for my appliances, meaning my XXXX Washer & Dryer, XXXX Refrigerator and XXXX XXXX dishwasher all purchased from Sears. I agreed and requested an email or bill as could make no notes.
I attempted in XX/XX/XXXX to find out from various parties including Citibank, Sears Customer Service and others within Sears as to What amount I owed. I was going to have XXXX XXXX and was attempting to pay all bills and have never had a late payment reported. No one could give my any information what so ever about any of this.
PAGE 1-On XX/XX/XXXX I requested copies of all the warranties for my applicances. In another email I requested the cost be provided as well.
Page 2-3 Is Sear customer service saying they can not help me with the copies of my warranties etc but call someone at warranty.
Page 4-5-Are calls I made after the late pay trying to get people to remove as I never knew my total and never received anything with any amounts.
Page 6-My bill was late the XX/XX/XXXX and they sent me via US mail a letter dated XX/XX/XXXX I was late with a payment. Why they did not send an email or notice on my Sears account I will never know as I could have paid and not been delinquent. I paid on the XX/XX/XXXX when received and they posted on the XX/XX/XXXX. They then turned me over to the credit bureau for
my 3 days late past 30 days. Page 7 Shows my 3 payments of {$460.00} I made for over what was due and after calling everyone at Citibank and Sears I was told my bill was paid in full. PLEASE UNDERSTAND I STILL HAD NO TOTAL AMOUNT DUE, NO BILL WITH ANYTHING REFLECTING WHAT MY WARRANTIES WERE, HOW MUCH EACH ONE WAS NOTHING VIA EMAIL, PHONE OR US M
AIL despite all of my calling and emailing.
Pages 8-12 document my multiple attempts to obtain my warranties ( which have the cost on the bottom ). In response to my requests for a copy of warranties, I was sent receipts from the purchase of 2 of my appliances from XX/XX/XXXX and XX/XX/XXXX and no warranties.
Page 13-First Master Protection Agreement from Sears. Note no Balance and I have no clue if part of the renewal or not Page 14-Second Master Protection Agreement from Sear-Has the wrong Serial Model Number. This one has a Price, Taxes and Total but again if it has the wrong model I have no way of knowing if wrong or correct. I called and no one could give me proper info. This is dated XX/XX/XXXX AND IS THE FIRST AMOUNT OF EVEN A WRONG BILL I HAVE SEEN AND WAS TURNED OVER TO CREDIT BUREAU FOR MISSING A MAY PAYMENT.
Page 15-Third Master Protection Agreement Corrected and delivered XX/XX/XXXX after many calls and my giving them the serial numbers and correct model info Page 16 and a bill amount of {$530.00} Page 17 is where they listed an account I had 10 years earlier and was closed by Sears and transferred to Citibank card.
My position is I never received a total any invoice or any other paperwork reflecting an amount for the services until XX/XX/XXXX. Sears told my my bill was paid in full in beginning of XX/XX/XXXX. I don't understand how any reasonable person would think I was " 30 days late with a payment '' with this track record. My husband collapsed with a XXXX and XXXX XXXX XXXX and I have been consumed with his care.
This is the first attempt I have had time to follow up with my dispute with the credit bureaus. In my opinion the credit bureau disputes are a joke. They did not request any info from me, they did not talk to me and in short all they did was what Sear told them to do.
This is a shameful way to handle me.
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| 12/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2022, a purchase showed up on my Citibank card from a vendor called " XXXX '' for {$81.00}. I did not recognize this vendor, and could not relate it to any purchases I made. I reported the charges as fraudulent, and locked my card. Weeks went by, and I saw my card was unlocked, so I locked it again. The charge had not been resolved. I checked again in XXXX to find my card unlocked again, so I called to close the card. Citibank issued me a new credit card number. ( Unbeknownst to me, Citibank intended to allow, and did allow, vendors to charge the new account under the old number. I paid those fraudulent charges, and they are not at issue here. ) At this time, Citibank told me the XXXX matter was still under investigation.
On XX/XX/2022, Citibank sent a letter stating that they had received a response from the vendor saying the charge was legitimate. In the letter, I saw that an order had been made by a customer named " XXXX XXXX '' with the email address XXXX. XXXX XXXX had made the order from my zip code in XXXX, PA, but the order was shipped to a residence in XXXX, Maryland. The items ordered were identified as 'grocery ' and included Arizona XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fruit snacks.
I responded to Citibank in late XXXX through their online system stating that the charge was illegitimate. Whether the vendor has a way to discern this or not, I do not live in Maryland. I have not traveled to Maryland in years. I do not go by the handle " XXXX. '' My phone number is a XXXX ' number ; not a XXXX ' number. I have no idea what XXXX is, and I would never purchase any of the items listed. Citibank 's system indicated that they would investigate my response and respond to me.
In XXXX, I closed all of my accounts with Citi and spoke with many representatives due to my extraordinary dissatisfaction with their handling of my accounts. In all of these conversations, the instant matter was discussed. In all of those conversations, I was told that the matter was still under investigation.
In XXXX, when my accounts were officially closed, and my only remaining 'balance ' was the {$81.00}, I began receiving calls and emails from Citibank stating that my account was delinquent and showing that late payment fees were being assessed. Again, I called and spoke with several representatives who told me they understood my frustrations, that they would remove my late payment charges, and that I would receive a communication regarding the resolution.
The late payment charges that had been assessed at that time were removed, but since then, more have been assessed. I have not received any response from Citibank investigating my claim. Instead, I have clearly been reported to credit agencies as being delinquent in my payments. My credit score has dropped 150 points overnight. I have almost 25 years of debt/credit history and have always paid on time. Consequently, my credit score was near perfect as of XX/XX/2022 before Citibank reported me.
Citibank has no actual process for investigating a fraudulent charge other than asking the vendor to verify that a charge was made, even though most fraud is the result of a vendor unwittingly accepting an unauthorized persons ' use of someone else 's card. Citibank has repeatedly lied to me about the existence of an investigation, and now has allowed my financial reputation to be harmed.
I hope that escalating this issue through this agency will result in more action than simply torturing Citibank 's customer service team, who clearly have no power to do anything, but likely spend all day on the phone dealing with complaints.
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| 02/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On vacation in XXXX XX/XX/XXXX. I purchased some jewelry at a local shop using my Citibank card. The jewelry was XXXX pesos ( {$100.00} ). When I looked at my credit card purchases I noticed that I was also charged XXXX pesos ( {$290.00} ) while I was at the shop and assumed that they had charged my card for both transactions while I was at that store. When we arrived home, I was prompted to file my claim using the Citi app and I didnt file my claim properly. I said it was a duplicate charge and provided the receipt for the transaction I paid for. I did not understand the differences between each claim and assumed I was providing information for a fraud charge.
XXXX issued a credit for the charge and then a few weeks later I was notified it was reversed. I then contacted them as to why and that is when I described to them my mistake in reporting the issue and was told that it would be handled and then went through the process of getting a new card and proceeding with a fraud case.
Nothing was ever done past issuing me a card. I waited for a few months since I was told these things can take time, but I soon realized I needed to contact them again. I then went through the lines of communication to be told that they will update my account with new information and that Ill be contacted in 7-10 days. That this is such a small amount ( nearly {$300.00}?! is small ) and that they will take care of this immediately.
The transaction being disputed was in XXXX of XXXX. I have made many, many attempts to resolve this issue with customer service but each time I reach out, they inform me my dispute is closed and then I have to go through the process of explaining that Ive been calling about this and Ive been told that this isnt an issue and that they will resolve it and someone will contact me.
I even submitted an awful review of my customer experience when prompted to and received no follow up. This did not stop the dozens and dozens of e-mails and letters asking me to sign up for all the wonderful product and services I receive daily. So they know how to contact me and do so frequently.
It is now almost XX/XX/XXXX. I received no updates on the status of my dispute, of the fact it was refiled, or any information other than notices that they have received notice, and twice denying the dispute. Once, initially after I made a mistake in filing my claim. Then again in XXXX letting me know too much time has passed and now there is nothing they can do. I called to express my frustration with this news and was offered {$90.00} for my trouble. I refused that and said I would really like for them to try again. Today I was provided a new statement saying that they can not issue me a credit for the purchase and that they will no longer communicate with me regarding this issue. That I need to contact the merchant and ask for credit and then send them that information. I was fraudulently charged in XXXX. I now believe that there were no intentions of ever helping me or providing me with fraud protection. I can not go to Citi bank or their call center and change my paperwork, I am unable to initiate a new dispute or to change the filing of the dispute. I have spent hour and hours of my life on hold, being hung up on, transferred. Call lost and now Im coming here because this whole thing is awful. Every step of the way I tried to give the benefit of doubt, and hope that things were just taking longer than normal with the state of the world. Now I feel like I was being strung along long enough to where I could be denied service since the 60 time window was just now brought to my attention.
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| 03/24/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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This is a complaint update ... ..this is my former complaint information : Case number : XXXX. I am still am trying to reach a modification agreement with CitiBank. I have made a payment when XXXX, when she as my " person '' told me to. I have asked repeatedly when I need to do this again, and if we are at any kind or resolution. I 'm sorry that when my husband passed, I checked in and out of life for nearly 3 years. I am thankfully better now and I am trying diligently to do the right thing and save the only thing I have left ... ... ... XXXX my home. I lost XXXX XXXX evidently XXXX and was reassigned to XXXX. I unfortunately have a " stalker '', so I do n't answer calls from unknown numbers, if you 've never had some stranger stalking you, you can not imagine the terror that goes along with simple phone calls. He arranged a phone appointment once, I am self employed as a XXXX, I unfortunately was with a client and missed his call. I have been unable to ever make verbal contact with him again. Citibank 's customer service is not customer friendly. After explaining my story to whomever answers the phone, I am told EVERY TIME that I HAVE to speak to the person I asked to speak to in the beginning. And then I stopped hearing from XXXX. He refused to be in contact with my local advocate, XXXX XXXX with XXXX XXXX XXXX, even tho I signed a form giving him permission. He has multiple emails from me giving my permission as she is most often easier to reach during the hours he works. He complained that I did not list her job title after her name on the form ( I was n't instructed to do so ... ... .but does this make her less of a contact/advocate for me because she does n't have a job title written in? ) so I asked if I needed to resubmit the form ... ... ... .he never responded ... ... ... .In fact I 've spent all of XXXX trying to reach him, phone ... .email ... ..no response back and neither has he or any other representative phoned my advocate. I 've begged for an address to send a payment because I can not pay online any longer ( thank you Citi for removing that convenience ), and I do n't just want to send a check to some address and never have it make it to where it needs to be. XXXX took my last payment over the phone ... ... I would do this with XXXX as well, if He would respond to me. So now I get a letter in the mail from Citi DEMANDING payment in full. I do n't know what is happening, I do n't know what to do. All I wanted was a chance to catch up my payments, and reduce the interest rate from it 's current 8 % to something I can actually pay off in my lifetime. While I was aware years ago my husband took this ref, i I first of all, never even thought at XXXX he would be diagnosed with a MOST aggressive XXXX XXXX and be gone at age XXXX, ( so yes, i signed with him ), but he used that money to pay off some of his personal bills and credit cards I did not use a penny, he always made that payment. i both legally and responsibly assume the debt since his death, but as I mentioned, XXXX, yet I 'm still here, breathing and living ... ... and trying to make sense of my life now. oI can not apologize more for the mess I get into here, but I 'm not trying to avoid paying. I WANT TO PAY HIS BILL AND I WANT TO KEEP THE ONLY THING I HAVE LEFT ... ... .MY HOME AND MY DOG. He was our world and I 'm trying to fix the fact that I got weak and lost sight of reality for awhile. Please help me figure out what to do. My first mortgage with XXXX XXXX modified with me and I am on track and current and have been for many months now. Please help me with Citi ... ... ... Thank you, XXXX XXXX
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| 04/21/2017 |
Yes |
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- Credit card protection / Debt protection
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Web |
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I received a denial letter for an extended warranty claim on m y XXXX . T he warranty coverage is provided to me as a Citi Double Cash MasterCard holder. I strongly disagree with the denial. I do n't believe the insurance company performed due diligence or even reviewed the appropriate policy terms when evaluating my claim. The XXXX XXXX 2017 denial letter I recei ved indicates that " Your claim is denied because per the Terms and Conditions, coverage does n't apply to [ sic ] item that has a product defect, recall, or experiences normal wear and tear where no failure has occurred. The benefit applies to items that has [ sic ] a mechanical failure or manufacturer 's defect '' The first sentence states, coverage does n't apply in the case of Product defect Recall Or normal wear and tear When no failure has occurred. In my case, I did in fact have a failure since th e XXXX would not charge. Thus, the first sentence would not apply to my claim.
The second sentence reads that the benefit applies when there is a mechanical failure or defect. Here, I had a defect/failure that prevented the XXXX from charging. Thus, the second sentence would apply and I should have coverage. On XXXX XXXX 2017, I c alled the number on the letter and was told that failure would be normal after XXXX months, therefore I 'm not covered. I find that directly contradictory to the idea of a warranty. The point of a warranty is that covers defects and failures during the period being warranted. I will also note to the extent that this language is ambiguous it should be construed against the drafter - the insurance company. I requested to speak with a supervisor. I was told that the supervisor was busy, but that I would receive a callback the next day. No callback was ever received. Additionally, I have no idea what terms and conditions the claims adjuster even cited. I have attached a copy of the terms and conditions I received from Citi regarding the extended warranty benefit. Nowhere, in those terms is the language cited in the denial letter present. XXXX exclusions are listed 1 ) You fail to care for or service the item appropriately as required by the manufacturer.
2 ) The item has a product defect, recall, or experiences normal wear and tear where no failure has occurred.
3 ) The item is damaged because of an act of XXXX , such as a flood, hurricane, lightning, wind or earthquake. None of these XXXX exclusions apply to my situation. The coverage simply states, that they will extend my manufacturer 's warranty for XXXX months. I will also note tha t th e XXXX Manufac turer Warranty does not contain the language cited by the claims adjuster either. By both sets of terms and conditions, my claim should qualify. It is interesting to me that there are also XXXX grammatical errors in the language being cited in the denial letter ( marked by " [ sic ] '' in the language quot ed earlier ), XXXX ) There should be the word " an '' before the word item in the XXXX sentence XXXX ) In the XXXX sentence " has '' should read " have '' I 'd be surprised if such errors would be present in any standard terms and conditions that would have been reviewed the insurance company 's attorneys.
I will also will note that the claims adjuster did not inspect the product as to the cause of the failure.
This issue should be revisited by the determination and my claim should be approved.
I reserve the right to provide additional arguments.
A copy of this complaint was also forwarded to the Wisconsin Commissioner of Insurance.
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| 01/17/2017 |
Yes |
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- Closing/Cancelling account
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Web |
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I am writing because my Citibank XXXX card account that I have had open for over 16 years was closed without warning and with no opportunity to appeal the decision. It came as a complete surprise when I found that my account had been closed. Calling to try to request reopening the account and to explain what had happened was even more frustrating as there was no real process or means to have my story heard and have the situation rectified.
About a month ago ( XXXX XXXX ) I got an email from my dad 's secretary that Citibank was trying to reach me and they left a number. I called the number and the person on the phone told me that I should pay approx. {$150.00}. I could not understand why a creditor would be coming after for me for such a small amount so I thought maybe it was some type of scam. ( If you have access to this call, you can listen for yourself ). In order to make sure this was not a scam, I told the person on the phone that I would pay through my online account. Unfortunately, I was locked out of my online account and when I called to get a new password, they told me I needed my debit card. When I gave them my debit card number, they told me it was n't the most recent because citi had sent me another card. I did n't know what they were talking about so I just asked them to send a new card. I 'm sure you can see all of this in my account notes. I never received that debit card and a couple weeks passed before there was another call to my dad 's office. This again was strange that they were not calling my cell phone but an office where I did not even work. I told them I would pay as soon as I received my card and had access to my account. I was not told anything about the possibility of my account being shut down. I also received no emails or online messages that my account would be shut down. I had assumed that my credit card account had been in autopay which it has always been on, but I 'm guessing after a period of dormant activity that the autopay was turned off. Approximately a week later I received my new debit card, logged into my account and paid my balance fully. I then asked if I could speak to someone about having the late fees on my account waived. It was then that they informed me that my account had been shut down and there was no way to reopen it. This is an account that I have had open since XXXX XXXX. There was absolutely no one to look into reopening to my account and no investigation as to why it had been closed. Whomever I was speaking to on the phone ( wherever they were located in the world ) did not have enough communication skills to warn me about my account closing and tell me what was actually happening and came across instead as someone trying to perpetrate a fraud against my account. Now because I was trying to be safe with my money and because Citibank could not effectively warn me that my account would be closed, I will have a HUGE ding to my credit score and no opportunity to explain or rectify this situation through a process.
As further proof that I was not sufficiently warned, I received the email ( see below ) on XXXX XXXX from Citibank letting me know my monthly statement was available. It said nothing about shutting down an account. There was a Statement summary with a statement date of XXXX XXXX, XXXX. The statement balance was {$990.00}. The minimum payment due was {$200.00}. The Payment due date was XXXX XXXX, XXXX. I paid off the full balance on XXXX XXXX, XXXX. So why was my account closed? You can also see why I would be in no rush to pay off my balance to someone over the phone when I received an email like this.
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| 10/25/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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XXXX XXXX case ( XXXX ) on this account was marked " closed '' but the issue was not resolved satisfactorily. I then submitted a new case ( XXXX ) accordingly, only to receive a curt response that " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' If they are sidestepping the issue due to an email address not matching, that issue is now fixed with this re-submittal. Suffice to say, as a joint owner, I am 100 % qualified to act as representative on this account.
While there was opportunity to provide " feedback '' on the original case 's closure, it seems like Citibank still needs to explain the refund rationale and, more importantly, further refunds are still due.
I find it curious that Citi has chosen to refund an apparently-arbitrary and only partial amount of the fees charged. Further, they provide no explanation as to why they think only such a partial refund is warranted. I want everything refunded.
This issue / complaint arose because they have a broken process and no effective controls to prevent this bad outcome ( that being improper migration of children from XXXX to adult deposit accounts ). I might even say we are broaching XXXX territory here, frankly, to the extent that insufficient notice was provided and the product migration to a level of monthly fee that is exhorbitant itself defies common sense and fairness. Not withstanding the foregoing, I also submit that they had established a PATTERN OF PRACTICE for years where there was no fee whatsoever on the account. I don't think they can simply fall back on a passive " well, it's in our disclosures '' as just cause to implement these fees. It's also not clear the extent to which they apprised directly the newly-adult joint owner on the account of the fee implications ( such as a welcome letter delineating change in terms ).
Since XXXX of XXXX, there have been 14 charges of monthly service fee @ {$25.00}.
In response to prior CFPB complaint they did refund 7 ( as well as a courtesy single-fee refund done in XXXX unrelated to the Complaint ), thus 8 total refunds. Citibank provided absolutely no rationale for how they chose to refund only 7 of the fees in the original response, though later apprised me, perhaps due to my feedback lamenting the same it was " courtesy ''. IT SEEMS TO ME THAT IF 7 MONTHLY FEES WERE VALID TO REFUND, THEN SO TOO SHOULD THE OTHER 6 ( again soon 7 after XX/XX/XXXX cycling ).
Therefore, I believe Citibank should still refund another {$150.00}. ( 14 fees @ {$25.00} less 8 already refunded = XXXX {$25.00} ).
This is exactly the kind of frustrating thing the XXXX XXXXXXXX loves to write about, so maybe I'll get some action via them.
Original complaint : My son turned XXXX in XX/XX/2021. He had a XXXX checking account on which I, his father, was responsible individual. It was not an active account but had collected hundreds of dollars of funds that were birthday & holiday gifts over the years from relatives. Upon turning XXXX, his account matriculated into some kind of higher-end Citibank " Priority '' checking account with a ( whopping ) $ 25 monthly service fee. It looks like since his turning XXXX a year ago he has been charged that fee 13 times ( and one was refunded out of courtesy ). When I log in online I can still see the account as I guess I'm still an authorized signer on the account. I don't believe Citi has a good process to right-fit customers that become adults in this situation. A {$25.00} fee amounting to hundreds of dollars charged in the last year is unconscionable.
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| 09/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2022 I placed an order for 3 custom made shutters, from XXXX. all of which had the following missing pieces. When the items were received, the packaging was intact and in good condition, showing no indication of being opened or tampered with, as well as no indication of damage or missing pieces, which is why the shipment was accepted and signed for.
The parts missing are as follows : Shutter 1 : Large4 panel shutter for sliding door ( 69x80 ), Missing 1 complete panel ( received 3 of 4 ), Missing side support Shutter 2 : Small 2 panel shutter for bathroom window ( 44x16 ), Missing entire frame Shutter 3 : Large window shutter ( 91x46 ), Missing 1 complete panel ( received 3 of 4 ), Missing bottom frame piece The missing pieces make the shutters unusable. Upon contacting XXXX XXXX customer service, I was advised that the pieces were no longer available as they no longer work with the supplier used for the order. Their current supplier does not offer shutters in the same color/finish, and I need to match existing shutters in the house.
Shutterstore.com has been unresponsive to requests for a refund or replacement. I have been unable to reach an agreement with them to return the items. I have contacted them many times by phone but keep getting put on hold and/or disconnected.
I have sent emails but received no response.
Phone calls were made on the following dates ( times approximate ) : XX/XX/2022, XXXXXXXX advised that no replacement parts available, call disconnected XX/XX/2022, XXXXXXXX call on hold then disconnected XX/XX/2022, XXXXXXXX advised again that parts are not available, transferred to supervisor, then call disconnected XX/XX/2022, XXXXXXXX placed on hold indefinitely-I hung up after 1 hour XXXX XXXX, XXXX, XXXXXXXX call disconnected after rep picked up XX/XX/2022, XXXXXXXX call placed on hold, I hung up after 1 hour XX/XX/2022, XXXXXXXX no answer XX/XX/2022, XXXXXXXX, told there are no return or refund, transferred to supervisor who said the same.
XX/XX/2022XXXX XXXXXXXX, call disconnected after placed on hold for 45 minutes They do not seem to want to work with me to resolve the issue. Return of these items would be costly as it needs to be shipped via XXXX XXXX XXXX due to their size and weight ( XXXX per shipping document ). I am wiling to return the pieces I have as they are useless to me ; however, XXXX XXXX appears unwilling to work with me or pay for return shipping. I have not been able to speak with customer service to resolve Regarding the emails sent to me by XXXX XXXX after the dispute was open, I did respond to each email, but did not receive any follow up response from them.
I did receive a {$5.00} credit was for an overpayment on the original invoice.
I have disputed the charge with Citibank, but they have been unresponsive as well. Initially, they provided a false response from the vendor stating that I never contacted them, along with a bill of lading showing that the items were delivered ( That is not the subject of the dispute ). After I escalated and waiting another two months or so, all I received was a letter from Citibank stating that I need to provide a statement from them saying that they would credit my account, and that the matter was closed. The whole point of the dispute is that they are avoiding the issue and did not provide a credit to my account. Citibank is not honoring the XXXX 's XXXX XXXX terms of service which indicate that " If the goods or services you bought with your card, are not as described, damaged, or are never received, you can ask your card issuer to process a refund request. ''
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| 04/09/2021 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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It has been a horrible experience with citibank. I received the response from citibank of the rejection of cash bonus in {$400.00} last XXXX Ironically after citibank kept rejecting my eligibility of {$400.00} bonus after I opened the checking and savings accounts and made the qualifying deposit and stayed there for 6 months, NOW here comes the 1099-INT from citi for the said {$400.00} they never sent me.
I have NEVER received the said {$400.00} bonus and now citi lied to IRS that it issued {$400.00} bonus? Where is it? If citibank claim such, they better send me the check in {$400.00} now. They should classifiy this as XXXX income and cancel XXXX 1099-INT they sent me. Otherwise it is misleading and actually fraud to IRS. By lying to IRS that it issued the {$400.00} bonus but actually didn't is considered a federal crime.
Please fix the issue by sending me {$400.00} check and report this income to be " XXXX '' income as I don't think we can backdate.
Here was the history of the {$400.00} argument in last XXXX for reference : Citi has been promoting it $ XXXX {$400.00} offer for its different criteria deposit. I opened the account via its promotion link online on XX/XX/XXXX. I called on XX/XX/XXXX and told them that instead of depositing for $ XXXX for {$1500.00} bonus, I would like to downgrade the package for $ XXXX deposit for {$400.00} bonus. The rep on the phone ensured me many times that the account is linked with the promotion and I will get the {$400.00} bonus after depositing $ XXXX.
I deposited $ XXXX on XX/XX/XXXX and the money has still there since then until today ( XX/XX/XXXX ), which has been over SIX months. The requirement is having the deposit stay for 60 days, which already way passed it. I chated online on XX/XX/XXXX and the rep said I should have qualified but he said he will open an investigation with case XXXX XXXX XXXX XXXX. I also called citi and the first rep said he didn't see the promotion linked to my account. Later the case was escalated to a supervisor, who said I already downgraded my account, which I said I knew but the rep on XX/XX/XXXX expressly told me it is ok as it is just {$400.00} bonus instead of {$1500.00}. The supervisor then said, oh, because the linked checking account was closed. I said I didn't close the linked checking account but Citi closed it at its sole discretion without any notification. He said he would follow up on the investigation team and give me the answer. On XX/XX/XXXX, I received the letter from citi saying they can't find any promotion linked to my account. So what's going on? Overall experience is just that citi tried to avoid giving the promised promotion and overall advertisement is misleading and scam.
Per the terms, citi should have given me {$400.00} bonus on XX/XX/XXXX, which was 60 days after the required deposit period. I have patiently waited for another 4 months but it ended up they closed my linked checking account and said, oh, there's another fine print. The term stated " the Minimum Deposit ( see Chart below ) must be maintained for 60 consecutive calendar days from the date the Minimum Deposit is met ( Minimum Balance ). The Minimum Balance may be held entirely in one of the Eligible Accounts or across both of the Eligible Accounts '' and " At the time the Cash Bonus is paid, it will be credited to the new Eligible Checking Account. If the Eligible Checking Account is closed, then the Cash Bonus will be credited to the new Eligible Savings Account. '' So why my {$400.00} is not showing up in my saving account? It should have appeared from any date after XX/XX/XXXX.
Sincerely,
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| 05/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
Older American |
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I was notified that I had past due charges on an account I had closed almost 2 years ago. The charge was for a subscription in XXXX, but I wasn't notified till XXXX as I have not recieved any billing from Citicard in the past 2 years. ( I don't have the card, I don't know the card number, except for the last 4 digits. ) I called Citicard to clear the charge. I paid the charge in XX/XX/XXXX after an extended series of calls to Citicard to verify what the subscription was for and to get assurance that my account was closed.
I asked if there were going to be any other charges and was told there would not be any.
In XXXX I recieved a notice by mail that I owed Citicard a finance charge of {$1.00}. I called once again to clear the charges as I had been informed in XXXX. This time after talking to 4 different employees I was told the finance charge was because I paid the first fee late, even though I had been told by the person who took my subscription payment there would be no further charges.
I paid the {$1.00} and asked for proof that my account was closed and there would be no further charges. I was told this would be confirmed on my XXXX bill. I recieved the XXXX bill with a XXXX charge. They are calling it a minimum interest charge.
This will be the 3rd month in a row that I have had a bill from Citicard after speaking extensively with representatives in various depts : Customer Service, Escalations Dept. Each time I'm told there will be no more fees and my account is closed.
It is not closed, they keep charging me, and it has effected my credit rating, which I need to have for a new loan.
I'm unable to get this account closed. They continue to charge me, using terms such as finance fee, interest fee or a late fee, even after I specifically ask that my account be closed and ask for assurance there will be no charges of any kind. Each time I call and speak with a Citicard representative I'm told there will be no more charges. Yet I recieve another charge.
I do not have this card, there have been no other persons making charges on it. I paid the bill XX/XX/XXXX that was past due from XXXX, XXXX. They dropped the late fees due to the fact that I have a perfect payment record for the 15 yrs that I used the card and I beleived the overdue charge was a fradulent charge because I thought the account was closed from almost 2 years ago..
My credit rating has dropped, I continue to get bills for what they call finance, or interest or late charges even tho I've called numerous times and am told there will be no more charges.
I need my top credit rating to be reinstated, and I refuse to pay any more for this incompetent and dishonest response from Citicard.
I've asked to speak with supervisors, who review my account. They assure me it is closed and that there will be no more charges or fees. Yet here it is XX/XX/XXXX and I have a new charge of {$.00} for what they call a minimum interest charge for XX/XX/XXXX.
I have copies of the current bill and the letters they send asking me to call them, which I do, but I am unable to stop this relentless cycle of charges on a card that they tell me is no longer active.
As you can see from the enclosed account informatioon. The new charge is called a Mimimum Interest Charge, but there are no charges on the account. So this is a completely unexplained fee. This is the 2nd time this has happened. I paid {$1.00} in XXXX beleiveing the explanation that it was a finance fee for my late payment. But I was assured there would be no further payment needed, no more charges. Here it is XXXX, XXXX and they are still charging me fees.
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| 12/10/2016 |
Yes |
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Web |
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Thursday, evening, XX/XX/2016, I received a phone call unsolicited and pressured into visiting a business called XXXX XXXX at their offices. They had found my name just bec I had looked at their website & knew nothing about internet dating. They told me they are very exclusive & do extensive background searches & promised they would arrange introductions to wealthy males in the XXXX area that been pre-screened. I went in & spent about 1.5 hours easily filling out their long & detailed information about my credit history, my bank accounts, what kind of car I drove and year, my debt, my drivers license, etc. The questions regarding my preferences were basically ignored even though I specifically said no XXXX, no XXXX, basically I was only interested in XXXX men between XXXX-XXXX. I told them about my horrific accident that caused me to XXXX, I needed to sue because I would win. They had run my credit report & I had a perfect credit history, & that determined my options that I could pay either {$50000.00} for XXXX dates where I could sell my membership once they had found me my perfect match or I could pay $ XXXX and they would make XXXX connections but could n't sellthe agreement. They kept telling me about all their great successes & people found their ideal mate within just XXXX-XXXX dates & then either gifted their membership. In addition to a very bitter divorce that ended mercifully in XX/XX/XXXX, I was also, in the middle of going through a break up with my ex-boyfriend. I was lonely, have n't been able to work because of my injuries & am unemployed, I was frankly very lost & just wanting something to start going right in my life. I was pressured and they used all kinds of dubious & unethical practices & convinced me to spend $ XXXX since I could " sell '' this horrible membership. They are also known as XXXX XXXX, XXXX XXXX and have been sued by the FTC for their deceptive trade practices & lost & owed people their money back. The contract is exactly the same. They charged XXXX credit cards, XXXX from Citibank Aadvantage for $ XXXX ( was reduced to $ XXXX ), XXXX - Citibank $ XXXX, XXXX - $ XXXX and my XXXX debit card for $ XXXX. Currently, only Costco Citi has reversed the charge as I have contested these charges and Citi Aadvantage has ruled against me even though I have hired an attorney and I attempted to cancel within 2-4 hours of returning home & sent them an official email with my cancellation notice at XXXX pm the following evening after they started forcing men on me in violation of their agreement that I was supposed to receive information about these contacts before ANYONE contacts each other. They sent me XXXX man in XXXX XXXX that sent me a text message that Friday night after I had already indicated to XXXX that I was canceling the agreement and suddenly the need to match me became very urgent & way too eagerly called me the next morning telling me all about himself and was XXXX, gave me his name, his occupation, & what questions I wanted to know about him & when could we meet? I had to call XXXX with XXXX XXXX asking who this XXXX guy was. She encouraged me to call him back & go on a date. Citibank Aadvantage did NOT resolve my complaint within 2 billing cycles, they back billed me & said a letter was sent XX/XX/2016 it was sent XX/XX/2016 & I received it XX/XX/2016 & have told them on XX/XX/2016 by my attorney and my email that I accordance to the rules, they had not resolved my claim within 2 billing cycles & would not be paying them. My original claim started XX/XX/2016 but they would n't let me file until XX/XX/2016. I do not owe a thing.
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| 07/27/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I transferred {$15000.00} from XXXX XXXX to my new Citi checking account. However, the funds never appeared in the Citi account.
I opened an account with Citi on XX/XX/XXXX. For my initial deposit, I chose to charge my XXXX XXXX account {$15000.00}. Soon after I had initiated this deposit from Citi 's website, I saw the funds debited from my XXXX XXXX account. I attached two screenshots of XXXX XXXX, my XXXX XXXX XXXX statement, and a confirmation email from Citi, all showing that the transfer happened. However, this was the last time I had this money. It has been missing ever since.
In the days following XX/XX/XXXX, I received two phone calls from Citi that I was unable to answer since I was at work. Then I received another email, saying the transfer could not be deposited and that it would be returned. ( Also attached. ) Apparently, these phone calls were to confirm my identity before allowing the transfer. Since I could not answer, it was cancelled and sent back. The problem is, my XXXX XXXX deposit account had been closed, so it was not able to receive the returned funds. I tried calling Citi support several times. They said they would send the money back to me. But in fact, they only tried to transfer it yet again to the closed account. After talking with XXXX XXXX support, they sent me an email saying, in part : " Hi __, After reviewing your account, I can see that your direct deposits were rejected and can confirm the funds will be returned to the originator of this deposit within 3-5 business days of the posting date.
In order to help locate the funds, I have attached a PDF to this email showing the rejected direct deposits and the return trace IDs.
With that said, your XXXX XXXX and direct deposit account have been deactivated. You may continue using XXXX XXXX to send and receive payments. '' The PDF that came with that email is also attached. It shows that Citi attempted to return the transfer on XX/XX/XXXX, but it was rejected. This has led me to conclude that the missing funds are still somewhere in Citi 's system.
In the months since, I have been on the phone with Citi countless times trying to get this worked out. This customer service experience has been hideous, to say the least. I've gotten almost nowhere over the phone. I always talk with people who can barely understand me, and also seem very unconcerned that {$15000.00} is missing. They have been dismissive, and quick to tell me that I am wrong and that there is no {$15000.00} and I don't know what I'm talking about. I tried scheduling a video appointment with a banker. A person named XXXX XXXX was supposed to meet with me on XX/XX/XXXX. But he was a no-show.
In all my phone calls, at one point a case was opened and then closed. I received a letter saying that there is no {$15000.00}. In another call, I was transferred to a representative named XXXX, who was actually very helpful. As soon as I told her what was wrong, she was very concerned and did everything she could to help. Unfortunately, this issue is not part of her department. But she did say that she could see on my account what happened and that I was right. She told me that there was a department who was waiting to hear from me and that she would transfer me. However, once transferred, I talked to another dismissive, unhelpful person who told me I was wrong, and that this was an issue for another department. XXXX told me that she works for Citi Priority customer service. Go figure.
Finally, I wrote a letter to Citibank containing all of the details found here. That was almost two months ago and I never got a response.
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| 03/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American, Servicemember |
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Citi Dispute number : XXXX In XX/XX/XXXX I paid in advance for one year of health insurance with the XXXX XXXX on my Citi credit card. I paid {$8900.00} for insurance starting on XX/XX/XXXX.
In late XXXX I was advised by my insurance agent that the XXXX XXXX was being investigated for bankruptcy and to cancel the insurance policy with them. I was advised to dispute the charge on my credit card so I could get excess premiums returned to me, since the company apparently wasn't servicing any claims.
I checked first with Citi and they said I could file a dispute on the transaction. I did this on XXXX XX/XX/XXXX claiming half that amount ( {$4400.00} ) for the half year that I couldn't be covered by the health insurance.
Shortly after that the XXXX XXXX informed me that the division managing my insurance was not going bankrupt. I asked if I could cancel my insurance anyway as I had already taken out another policy due to the previous notification. They agreed in writing and stated that I would be refunded excess premiums, but that I would need to cancel the credit card dispute to get a direct refund from them.
Citi advised me that credit card transaction disputes require you to allow the merchant to resolve the dispute, therefore I cancelled the dispute, not because the company didn't owe me the money, ( they acknowledged in writing that they did, and would pay me ) but because the Citi stated I needed to work it out with the merchant.
As a result Citi closed the dispute on XX/XX/XXXX with a status of " Resolved - Customer Responsible XX/XX/XXXX ''. This was a surprise and a harbinger of things to come. I never said I was responsible for this, I was just trying to do what I was advised in allowing the merchant to resolve the issue with me.
After a number of months trying to get my excess premiums returned to me by XXXX XXXX I realized they had no intention of refunding the money, and I would not get any money back.
In XX/XX/XXXX I contacted Citi and said that this merchant was being fraudulent and could I reopen the dispute. They said yes.
In early XX/XX/XXXX I reopened the dispute with Citi disputes division for the amount of {$4400.00}. Citi declined the dispute stating, " We closed your dispute since you cancelled it and once you cancel the dispute we can not reopen the dispute for you ''. This was the first we had heard of this. Based on previous conversations with Citi we understood that a dispute could be reopened.
I called Citi immediately, I asked why they could not reopen the dispute and they claimed that this was the law. I asked which law or policy they are referring to. Citi could not tell me.
Within 10 days we contested this by email and also spoke with Citi management but we received the same reply, and no indication of what law or policy they were referring to.
We have spoken to Citi Dispute management but they refuse to do anything to help us. It is ironic that the Disputes Division created this mess via bad advice and now is refusing to do anything about it. I did learn from one representative that Citi customers commonly fall into this trap and are bilked by companies that know Citi cant/wont reopen a dispute. I am flabbergasted that the Citi Disputes Division led us into a trap that they had full knowledge of. Surely, they can warn customers of this law/policy prior to the fact.
I followed the advice of the Citi Disputes Division and did the right thing in trying to resolve the dispute directly with the merchant as they requested. Having created this mess, the Citi Disputes Division are now refusing to resolve an issue.
|
| 03/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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OnXX/XX/XXXX I contacted Citibank to let them know that I had noticed XXXX and XXXX charges on my Citibank statement that did not belong to me. At the time, I looked back to early XXXX XX/XX/XXXX and let Citibank know that none of the XXXX/XXXX charges back to XX/XX/XXXX were mine. Citibank cancelled my credit card on the phone call. They promised to reverse all fraudulent charges and told me I would not be liable for them. Within about 10 days Citibank reversed the fraudulent charges plus related interest charges from XX/XX/XXXX to XX/XX/XXXX. That was {$590.00}. Subsequently, after doing additional research, I realized there were fraudulent XXXX and XXXX charges on my account dating back to XX/XX/XXXX7. There were approximately 130 fraudulent charges which total {$2400.00} ( before interest charges ).
As background information, at the time these charges were made, I was a student and my mother reviewed and paid my credit card bill. She had assumed that the XXXX and XXXX charges were mine so she paid them. Then in XX/XX/XXXX I moved to XXXX XXXX and a few weeks later I purchased a car. It was then, onXX/XX/XXXX, XX/XX/XXXX, that my mother asked me why I was still using XXXX if I now had a car. I told my mother that I had not used XXXX for many months. At this point we realized something was wrong and I called Citibank so my card could immediately be cancelled to avoid additional fraud.
Eventually Citibank sent me a few of the receipts for the fraudulent charges - they were in the name of XXXX XXXX XXXX but with my credit card account number. XXXX XXXX XXXX is someone I had been in a relationship with in early XXXX. I have not seen him or spoken with him since early XX/XX/XXXX. The fraudulent charges began in XX/XX/XXXX, months after I had last seen or spoken with him. The Citibank fraud investigator called XXXX XXXX XXXX and he falsely stated that I had allowed him to use my credit card. Based on his claim, Citibank rejected my claim and closed the case. It seems obvious to me that XXXX XXXX XXXX would not be truthful with a fraud investigator and would naturally state that I had provided him with my credit card to use. Of course this defies logic as I had not seen or spoken with him for many months when he began to make the fraudulent charges.
I then filed a police report so that XXXX XXXX XXXX XXXX fraudulent practices would be investigated. I have no news on the status of that investigation but I have attached the information about the detective and case number. I have also provided this information to Citibank.
Unfortunately Citibank is now ignoring me. XXXX XXXX, who signed the Citibank letter that I have also attached, does not return my phone calls. I have called her and called her, every couple of weeks, to no avail. When I call the general number for the Citibank Executive Office, they take notes and tell me that Ms. XXXX is handling my case and she will get back to me. It's a vicious circle that gets me nowhere. So my Citibank credit card is at its maximum balance, everything on it is the fraudulent charges plus interest accruing each month. I am a new XXXX trying to start my XXXX-XXXX career and I am burdened with this debt burden that Citibank refuses to remove from my account. Citibank should be sending the charges back to XXXX. These are two huge companies who made a mistake - they processed 130 charges with my credit card number but without my name - with someone else 's name!!! Neither company validated the card number with the name of the authorized user. And now these companies expect me to pay {$2400.00} because of their mistakes!
|
| 12/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I applied to refinance a property with Citimortage for a loan I already have with this vendor. I wanted just to lower the rage, I wanted no cash out. The loan to value is 20 %. I have an excellent credit rating of XXXX. The loan payment excluding the income from the property was less than 5 % of my monthly income. The home is cash positive just with the existing tenant rent. I was asked to authorize the payment for a credit check which I did, and this confirmed my excellent credit. They then debited my account for an Appraisal and a Property Inspection. This charge was {$730.00} USD and was never explained to me. I live in XXXX but I am a US citizen and I have owned this property for many years. First they sent me the loan package via regular email not via a Courier so by the time it arrived the loan application had already expired ( it expired on XXXX XXXX and it arrived in my possession on XXXX XXXX ). Then when I contacted them and complained they said they would keep it open but that I would have to agree to pay a large and undetermined amount for an International Credit Report. I had already been told that the Appraisal had been CANCELLED.
It is worth noting here that the lady in their Processing section completely ignored 5 emails from me during this period over a series of days. So I could not get an answer on some questions I had to allow me to proceed. The man who took my application originally apologized for this and agreed that my treatment by them was not acceptable.
I complained to them about the package arriving late and the appraisal being cancelled but they said it would stay open only if I first agreed to this XXXX Credit Report which was first said to be between {$5.00} and {$9000.00} XXXX. When I complained about the range they clarified to say it was between {$500.00} and {$900.00} XXXX, still a wide range.
I complained to them that this had never been mentioned before as being needed, which is obviously true as they just then were asking for approval for this. And I complained that it appeared that they were trying to get out of the 90 lock on the loan - effective since XXXX XXXX - because they did not want to honor the lower interest rate now that rates have gone up since XXXX won the election.
I told them I was not willing to pay for this XXXX Credit Report because it was never mentioned as a condition or a requirement to get the loan. I made it clear that I lived XXXX from the very first part of the conversation with CitiMortgage. There is no way they were not aware of this, particularly as they have my current mailing address in XXXX on file and I refinanced with them 5 years ago and have ALWAYS been in good standing.
Their company is just too large. They did not consistently communicate with me and just kept ignoring my requests for answers. The person who originally took my loan was cooperative but only after the fact and he took more than a week off in the middle of this with nobody handling his emails.
This is just bait and switch. Offer 1 thing on certain conditions including a 90 day rate lock, then try to do anything they can to get out of it.
Once I told them I did not want to pay for the XXXX Credit Report I asked for my payment for the Appraisal and Property Inspection to be refunded. I understood that my XXXX credit report would not be refunded.
They have since told me that this was not possible due to XXXX parties even though I was informed that the appraisal was cancelled. They are just trying to keep my funds and to get out of the lower locked in rate. This is pure fraud. They are trying to steal my money
|
| 12/07/2015 |
Yes |
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Web |
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I want to bring to your attention that Citibank with my Best Buy credit card is performing ruthless and unscrupulous business practices which I do not feel is legal. XX/XX/XXXX I was XXXX by my new landlord, causing me to move into a shelter until I found a new residence. I called Best Buy right away to let them know of my situation. Having to move again caused a major financial situation because I had to come up with moving expenses all over again. I was told they would complete a late fee reversal and I would need to double up on the following month 's payment. When I received XX/XX/XXXX 's statement, I was charged a late fee and when I phoned, I was told they removed the amount from my principal. I have never heard of something so ridiculous. My statement showed a late fee. This showed me how they value their clients business, they do n't. Up until XX/XX/XXXX, I had never been late on a payment before my extenuating circumstance occurred. In XX/XX/XXXX, I phoned in my payment and the CSR asked if it would be coming out of my XXXX XXXX XXXX XXXX account. I said no, that I had went online trying to update my financial institutions information and it would n't allow me. Nor would it allow me to update my address. I gave him all of my new information and was given a payment confirmation number. In XX/XX/XXXX when I received my statement, there was another late fee added. The CSR I spoke with in XX/XX/XXXX, processed my payment from my closed XXXX XXXX XXXX XXXX in XXXX XXXX, NM. I tried calling and was told there was n't a payment made. I gave the confirmation number and was told the payment was processed to go thru the wrong account. A mistake was made on their part and they charged me for it. I tried calling and speaking with a supervisor, but did not get any satisfaction so I submitted a letter along with my following months payment. Now I receive my XX/XX/XXXX statement, and notice they charged me close to a {$300.00} interest fee. I had purchased a pc system for a new job and was given no interest for x amount of month 's promo. The promo has ended I believe, but you do n't charge the client for a whole years ' worth of interest in one month, am I correct? I believe so, because none of my other creditors have charged me unnecessary extravagant fees that they just make up as they go. This is n't my first credit card. I am not ignorant, and pay my bills on time. I have held credit cards for the past 30 years and have never been treated so terribly with a company telling me they are going to do one thing and turn around and do another. They are taking advantage of their clients AND getting away with it. I know what they are doing can not be legal in the financial industry. I just received my XX/XX/XXXX statement and am not going to try to contact them over this dispute because I have had nothing but problems with this account for the last 7 months. Their website is disastrous, the CSR 's are incompetent and between the creditor, Best Buy and the bank servicing the card, Citibank, they are both conducting illegal consumer fraud! So I am submitting this complaint. I had planned on taking my taxes and paying this card off in full and cancelling the card because of all of the problems I 've had continuously. But I refuse to pay for fees made up in the air. I am seeking justice in the matter of all of the late fees I was improperly charged and now, a preposterous {$300.00} interest fee. They have tacked on well over {$500.00} in excess bogus fees. Not to mention what they have done to my credit report. Consumers have rights too! Especially those that pay on time.
|
| 07/31/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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Complainant seeks the assistance of CFPB to resolve this matter as it affects all former consumer credit card account-holders of Citigroup dba Citibank ( " CITI '' ). Complainant recently found out his CITI credit card was terminated without notice. CITI 's representatives refused to answer any questions regarding Complainant 's account except stating his account was closed for security reasons. This coincided with CFPB 's decision to fine CITI XXXX for improper business practices in another matter. The closure of said credit card accounts also forfeited Complainant 's rights to receive a return of his paid CITI credit card annual fee. An annual fee is collected upon acceptance and annual renewal to continue utilizing CITI 's credit card. Annual is defined as a " XXXX '' period. CITI refused to refund or prorate Complainant 's annual fee paid after CITI 's decision to terminate its business with Complainant without notice. Furthermore, Complainant had thousands of accumulated points in CITI 's ThankYou Rewards Points ( " Membership Points '' ) dating back for years. CITI also terminated Complainant 's website and phone access to Membership Points to redeem Membership Points for rewards. On the other hand, CITI 's terms and conditions for the XXXX Rewards Program ( XXXX ) specifically dictates : '' We may revise or terminate ThankYou Rewards with XXXX days prior written notice. Any revisions may affect your ability to use the ThankYou Rewards Points ( " ThankYou Points '' or " Points '' ) you have already accumulated. If ThankYou Rewards is terminated, you will have only 90 days from the ThankYou Rewards program termination date o redeem all your accumulated ThankYou Points '' Furthermore, Complainant never received any notifications from CITI regarding the termination of his Membership Rewards program " with XXXX days written prior notice ''.
Per CITI 's representative, this practice of termination of account-holders and withholding, ceasing, and deliberately refusing access to account-holder 's Membership Rewards dated back for decades.
CITI 's knowingly and willingly committed intentional acts to defraud consumers. Complainant suspect CITI 's actions have saved CITI XXXX dollars by means of not converting account-holders 's Membership Rewards for cash payout, airline tickets, hotel accommodations, gift cards, etc.
Complainant alleges he has lost over {$600.00} in rewards due to CITI 's fraudulent acts.
1. CITI knowingly and willingly deceive consumers by providing false information with an intent not to perform its duties as set forth in the terms and conditions ; 2. CITI 's knowingly and willing made false statements to deter consumers from benefiting the Membership Rewards 's points they 've accumulated over time ; 3. Consumer 's reliance on CITI 's employee 's verbal interpretation of the terms and conditions to justify account-holder 's forfeiture of Membership Rewards 's points and that upon reasonable inquiry consumers 's would not have discovered the truth of the matterIn summary,1. Complainant alleges CITI has intentionally defrauded previous account-holders by utilizing fraudulent misrepresentation of facts to deny account-holders of redeeming Membership Rewards 's points ; 2. Complainant alleges CITI 's knowingly and willingly utilized said schemes in order to save XXXX dollars in payouts and conversion of account-holder 's Membership Rewards for monetary compensation, merchandises, airline tickets, hotel accommodations, etc ; 3. Complainant alleges CITI knowingly, willingly, and deliberately performed said fraudulent actions for decades
|
| 05/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Confusing or missing disclosures
|
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Web |
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XX/XX/2023 I contacted Citibank to open a new personal checking account. I had a large check I needed to deposit as soon as possible and there were no branch locations within 250 miles. I completed the disclosures, opted in for digital signatures and electronic verification on the account. I submitted the requested verification documents immediately after receiving the docusign email. This resulted in high risk credit inquiry no. 1 on my credit.
XXXX 4 days after submitting the application, I called Citibank to check on the status of the account/application. I was told that they decided to close the account because they believed it was fraudulant. They never contacted me for additional information to verify my identity or to even let me know they were unable to open the account.
XX/XX/2023 I contacted Citibank again and began a new application ( number 2 ) over the phone. I specifically stated that I needed to open this account with digital/electronic verification due to the time restraint. She said no problem, as soon as she was done with the application, I would receive an email with my new account information, I can create an online ID and deposit my check via mobile deposit.
XX/XX/2023 I contacted Citibank again to follow up because I had not yet recieved an email from them. They informed me that I did not opt in for electronic verification. I told them, I specifically stated I needed electronic verification because I have already submitted 2 applications in a week and still do not have an account and can not get the same straight forward answer from anyone single person. They said they could not open the application to opt in for the electronic verification, I would have to mail back everything after I received it in 7-10 business days or I could cancel that application and start a new one. I canceled the application. This resulted in a high risk credit inquiry AND an account opened with my ss number, so 2 additional marks on my credit history.
XX/XX/2023 I contacted Citibank AGAIN... and started application no. 3. I opted in for electronic verification. I signed the signature card electronically immediately after receiving it and submitted the requested verification documents. I was told by 3 different agents that proof of residency can be a utility bill, an internet bill, OR a bank statement. I submitted a 17 page document containing a recent statement for my XXXX XXXX account, a loan payment due statement, AND the last page was a XXXX XXXX bill for my electricity.
XX/XX/2023 I received another email to upload proof of address verification. So I resubmitted what I had sent the day prior. I contacted Citibank later that day asking for the status on the documents I submitted for verification. She said they are not acceptable. I asked how that could be... I submitted a loan payment request statement, a bank statement less than 30 days old, and an electricity bill. She informed me that the department who does the verification failed to review all pages of my submission, missing the last page with the electricity bill and instantly rejected my submission just based off the first few pages they chose to actually look at. Credit hit number 4.
I am about to lose a {$15000.00} check because of this. The lack of communication with clients, failure to notify me of a denied application and the reason why, and failure to be thorough in the review of documents submitted is not acceptable and is more than likely going to cost me {$15000.00}. I needed this money, Im unemployed, waiting on XXXX, and this could have been a huge leap forward for me in life.
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| 10/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XX/XX/2019, I was victimized by a tech support scammer who claimed to be associated with XXXX and was charged {$1500.00}. I realized almost right away what had happened, and followed the instructions of the FTC ( Federal Trade Commission ) Consumer Information website How to Spot, Avoid, and Report Tech Support Scams, which states If you paid a tech support scammer with a credit or debit card, you may be able to stop the transaction. Contact your credit card company or bank right away. Tell them what happened and ask if they can reverse the charges. I followed these instructions, called Citicards, explained what happened, and asked them to not put the charges through. They agreed, and recommended that I cancel my card and get a new number, and I did so. However, the charges appeared on my next credit card bill. The charges were posted on XX/XX/XXXX ; that was 9 days after the transaction and after I called to inform the company. I called on XX/XX/XXXX ( speaking with XXXX, XXXX, XXXX, and XXXX ), XX/XX/XXXX ( XXXX and XXXX ), and XX/XX/XXXX ( XXXX and XXXX ), and each time, I was bounced back and forth between the fraud/security department and billing disputes. Each time, I was told that since I gave out my number, it was not considered to be fraud and it would have to be a billing dispute on the basis that I did not receive the service for which I paid. And each time, I was told that a billing dispute would be opened and I would be contacted in 7 to 10 days. I was also told that I would not have to pay the disputed charge and I would not be charged interest. I never was contacted after the calls and the charges continued to appear with interest. On XX/XX/XXXX, I called for the fourth time and was told by XXXX, the supervisor in the billing disputes department, that the fraud department judged that since I gave out the number, it was a legitimate charge and I was responsible for it, and a billing dispute could not be opened because it was already adjudicated. But the reason it initially went to the fraud department was not my faultit was because the agent on the initial phone call referred it to that department. Not to mention that I had informed Citicards on the day of the transaction, asking that the charge not be posted, following instructions on the FTC website -- and that was nine days before the charge was actually posted. It makes no sense that if it was determined that the disputed charges need to go to billing disputes instead, an investigation there can no longer be opened ( And in fact, I was told three times that such an investigation would be opened, although it never was ). The entire explanation makes no sense to me, but I was worn down after spending so many hours with no end in sight. I was also being charged interest on the fraudulent charges, so I authorized the amount to be paid and closed my Citicard account. My wife, who also had a card under her own name, closed her account at the same time.
I did, however, want to file a complaint about this incident, and so I looked on the Consumer Financial Protection Bureau website and saw other complaints that were very similar to mine in which Citicards promised to open an investigation multiple times and failed to do so, compelling the consumer to pay the fraudulent charge. One of these was a case in which the consumer did not give out his number and even so, he continued to be charged. I do not understand how Citicards is being allowed to continue to treat their clients in this unethical manner, in effect enabling agents of fraud to criminally profit at the expense of their clients.
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| 07/04/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the abovenamed Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX XXXX this action might constitute fraud under both Federal and State Laws.
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
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| 05/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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Web |
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This complaint is in reference to an egregious violation of the Electronic Funds Transfer Act ( EFTA ) whereby Citibank, NA imposed liability on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( hereinafter " the victims '' ) in excess of what the EFTA allows.
The victims are joint accountholders of the following checking and savings accounts at Citibank, XXXX : XXXX ; XXXX ; XXXX. All of these accounts are for personal, family, and household purposes.
On XX/XX/XXXX, through unknown means, unidentified individuals gained access to the victims ' accounts and made two unauthorized transfers. The first unauthorized transfer was for {$2500.00} and the second was for {$19000.00}. That same day, the victims noticed the unauthorized transfers and immediately notified Citibank. Despite the victims ' diligence in notifying Citibank of the unauthorized transfers, Citibank refused to stop the transfers resulting in a loss of {$21000.00}. The victims then proceeded with Citibank 's Unauthorized Wire Claim process and submitted a Security Affidavit on XX/XX/XXXX in an attempt to recover the {$21000.00} loss.
While Citibank reimbursed the victims for the {$2500.00} unauthorized transfer, it has refused to reimburse the victims for {$19000.00} of the remaining losses they suffered, citing an alleged " failure to take adequate steps to safeguard your account. This failure compromised the security of your account information and directly contributed to allowing the transaction ( s ) in question to take place. '' See attached Decision of Fraud Claim dated XX/XX/XXXX.
Citibank 's actions are in violation of the Electronic Fund Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ) and the implementing Regulation E ( 12 C.F.R 1005 et seq., which includes an official staff commentary ).
15 U.S.C. 1693g provides that in most instances a consumers liability for an unauthorized transfer ( also see 12 C.F.R. 1005.6 ( b ) ) may not exceed {$50.00}. That cap on liability is subject to exceptions. Most notably, according to Official Interpretation of Regulation E 's Section 1005.6 ( b ) ( 3 ), in cases of an unauthorized transfer not involving an access device, " if the consumer notified the institution within 60 days of the transmittal of the periodic statement that shows the unauthorized transfer, the consumer has no liability. '' Additionally, Official Interpretation of Regulation E 's Section 1005.6 ( b ), expressly states that negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E 's Section 1005.6.
The unauthorized transactions in the victims ' case did not involve the use of an access device as they still had their debit cards within their possession. Additionally, the victims notified Citibank of the unauthorized transactions the same day they were initiated, which is much earlier than the 60 day threshold under Regulation E and EFTA.
Thus, Citibank 's refusal to reimburse the victims {$19000.00} of the remaining losses they suffered citing their alleged " failure to take adequate steps to safeguard [ their ] account '' is a violation of EFTA and Regulation E because : ( 1 ) Citibank imposed a greater liability than is permissible under the law and regulation even though the victims notified Citibank the same day the unauthorized transfers were initiated ; and ( 2 ) Citibank used alleged negligence by the consumers as the basis for imposing greater liability.
By reason of the facts and circumstances stated above, the victims demand that Citibank reimburse them in the sum of {$19000.00}, plus interest.
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| 12/14/2016 |
Yes |
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Web |
Older American |
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In XX/XX/2016 Costco forwarded all my credit card information from XXXX to Citibank because Costco would no longer honor its accounts with XXXX. I have never used the Citibank card, opting instead to keep an account XXXX - but those credits I earned before Costco switched to Citibank were not applied to XXXX or Costco, so the only way I could access the reward points before the change over in XXXX was to open a Citibank card ( even though those credits had been applied to my XXXX account before the change over. ). In addition I thought I had paid the Citibank card off, which were charges that had reverted to Citibank, but one payment of more than {$3000.00} was not credited to the Citibank account. When I called, Citibank said that the payment did n't go through because the wrong number was used in the transfer, when I had paid by phone. I have used my XXXX checking account to pay both my XXXX card and now payments to the Citibank account, even though Citibank had ALL the information that XXXX had forwarded to them when Costco changed from XXXX to Citibank.I was able to make one large payment to Citibank but not the {$3000.00} owing which Citibank said did n't go through, even though I have used that same checking account number to pay by telephone for the last 20 years. In addition, Citibank charged me {$110.00} in XXXX to renew my membership with Costco -- without my permission. I have never opened an account with Citibank and therefore have charged nothing to the card because I did not apply for a credit card with Citibank. But Citibank will Not dispute those Costco membership renewal charges, instead telling me they would help me get through to Costco - All other disputes in unauthorized payments were taken care of by my other credit card holders, including XXXX and XXXX. I have Never used the Citibank card, other than to pay account balances. Now, I have paid interest on the Citibank card for the past six months, which was not my error, I also have lost {$200.00} in refund points to Costco even though those that refused had been charged to XXXX before the change over was started in XXXX. I also will lose another {$200.00} refund points from Citibank that I accumulated since my account was transfered to Citibank, again unless I open a credit card account with Citibank. I have been making minimum payments to Citibank to try to pay off the {$3000.00} owing which was not credited to my account because the information somehow did not go through when I had the money to paid it off in full this summer. Citibank had notified me of the change over, but the information was confusing to me, in part because of the legalistic language Citibank used, and because of the numerous telephone calls and offers sent to me to try to get me to open a Citibank credit card, which I have never authorized. I did understand the transfer from XXXX to Citibank, but other than that, it has been very confusing. For example I had sent two payments in the same month this summer to XXXX, but the second payment did not go to XXXX, instead it went to Citibank. Apparently I was not allowed to make two payments in a month to XXXX, resulting in higher interest payments to XXXX on money I thought I had paid to XXXX. Early on in XXXX, Citibank did " forgive '' some interest payments resulting from the change over but not for the last six months resulting in their error, and not for any of the {$400.00} points I have supposedly earned with Costco, or the unauthorized {$110.00} charged to my non-existent Citibank credit care, along with me losing all refund points from Costco.
Thank you
|
| 11/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
Older American |
|
I opened two credit cards in order to pay an attorney for services. The attorney was adamant that legal fees would be reimbursed either through court proceedings or upon insistence in a settlement because I was so wronged, that the legal process could remedy the problem.
I started with the attorney XX/XX/XXXX and every week she would tell me " We will be filing on Monday. '' And Mondays came and went. Late XX/XX/XXXX I finally said, " All the time and money that is being wasted could have gone into the court case to finally settle this matter. '' ONLY then was I told the case is a " black hole of money '' and " give us another {$10000.00} in three days or we will withdraw. '' She fleeced me for {$5000.00} I certainly was n't going to throw away another {$10000.00}.
Because I was misled and misguided about the reimbursement of attorney fees and due to the attorney 's failure to act as well as her breach of confidentiality, I believe she was not entitled to the money. So, I submitted a dispute of {$1800.00} for XXXX XXXX and {$2000.00} to XXXX XXXX. The balance of money the attorney demanded was paid by family.
Citi Bank stated they had to have a " like merchant '' state where the original merchant was wrong. That may work with some businesses concerning merchandise, or travel tickets, etc, but to have an attorney say something that might be construed against another attorney yields the following : 1 ) You will have to pay me a {$500.00} retainer 2 ) I will have to take approximately 2 weeks to investigate this ( at approx $ XXXX/hour ) 3 ) I 'm not going to stab another attorney in the back 4 ) I do n't spit in the eye of an attorney. It is nearly an impossible task which is self defeating and puts an undue burden on the consumer, both financially and time-wise.
I had finally come across an attorney who listened to my plight and was sympathetic to how I was taken advantage of. He was willing to write to XXXX XXXX on my behalf/ I submitted the required letter to Citi which included his name and contact information. He is a licensed attorney in the state of NY, ( a like merchant by any standard ). He could be verified through any XXXX XXXX directory. He had his contact information readily available to Citi for verification. Yet, Citi closed the dispute stating they did not receive a business card from the attorney. I explained that he is a current attorney with an active license in NY, however, he does XXXX XXXX in Florida. His business card reflects his finance business, which make him no less of an attorney.
I could have acted as ridiculously as Citi and just created a simplistic business card. That proves nothing. The XXXX XXXX directory is the best source of credentialing or the NY State Bar. To dismiss my dispute is unconscionable.
Not only did I have property stolen, which is what brought me to the original attorney who misled and misrepresented herself costing me thousands, but Citi has be derelict in any effort to protect it 's client.
One other thing I could not understand about Citi is when I initially submitted my dispute for the {$1800.00} paid to the attorney, Citi refused to dispute the entire amount. I had been paying the monthly bill from the time I opened the account, plus whatever interest. By the time I realized what the attorney was doing approximately XX/XX/XXXX/XX/XX/XXXX, my balance with Citi was approximately {$1100.00}. And, that was the limited amount Citi would allow me to dispute. The entire way Citi operates is unfair.
I will also attach the letter from the attorney who wrote the letter to Citi on my behalf.
|
| 08/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
|
My Account was frozen and then closed by CITIBANK without any apparent reason, explanation, and I did not have any access to a considerable amount of my money which was frozen by them during approx. 6 months!
Below is my original complaint from XX/XX/2023. No explanation was provided by Citi following this complaint.
After spending lot of time, efforts, transferring large amount of money based on their sweet words and promises, all my recently opened Citibank accounts ( Checking, Savings, Cards, etc. ) and my money are " blocked '', I can not use My money in the checking account, I have no idea how and when I am going to have it back, since I reside abroad. They claim that I have violated their terms without giving any details or explanation...
Before opening the account, I have explained to them multiple times that I am not a XXXX resident, that I don't have SSN, that I live abroad most of the time.
I have shown to them my foreign passports.
I have asked them multiple times if there could be any problem in such a situation to have a fully active Citibank account, to perform multiple wire in/out transactions ( including international ), to have a fully active brokerage account, etc. Their answer to all these questions was a BIG NO, " no problem whatsoever ''.
After I have disclosed all the possible information, they have convinced me and have encouraged me to sign for the Citigold account, to expect a call from XXXX XXXX, who as they said to me is XXXX of the stars of their investment teams, to expect a long-term cooperation and a " beautiful friendship '', etc.
Based on their nice promises and sweet words, believing that these were true, I trusted them... I worked hard trying to transfer all available funds as soon as it was possible. This did cost me money, loss of alternative income and of course time.
This has worked for about 45 days ... Until I have requested the execution of my first wire out of MY account of a small portion of MY money...
Following this request, they have blocked imprisoning my total balance, my hard-earned money that I have foolishly and trustfully deposited in their hands .... there were signs that something is going very wrong even before that wire request...
I feel deeply deceived, robbed, used by Citibank system for unknown reason. I know that this is a completely wrong, unjust, unfair situation that I find myself trapped into thanks to my unjustified trust in Citibank employees, branch manager and the entire institution.
Today I am robbed of a considerable amount of money by this institution without any explanation, without any reason. It is very sad that in a country, which glorifies itself as a birthplace of a personal and financial freedom, I personally experience one of the worst possible financial imprisonments, inhuman, hostile, deceiving service and attitude, a major deception by a well-established and " well regulated '' institution...
This institution repeatedly fails and refuse to provide me with any explanation about what is going on and why my account was first limited, then frozen/blocked, and finally closed ; with any information regarding how, when and where I can expect to get my money, that to my understanding they illegally hold for unspecified length of time, back.
I hope that they are very happy and satisfied with this achievement of causing financial, emotional and other damages to their clients.
I from my side deeply regret that I had this bad and undeserved luck of stepping into their branch...
My name : XXXX XXXX XXXX Citibank, NA XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX
|
| 06/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XXXX XXXX I, XXXX reported a debt to my credit report in XX/XX/XXXX in the amount of {$4500.00}. XXXX claims that they hold this account since XXXX of XXXX. However, the company did not call, mail, or email me about this debt to allow me the opportunity to dispute it or resolve it before reporting it to the credit bureaus. After several calls to XXXX, I finally spoke with an agent who was not willing to provide much information over the phone and advised that a verification notice would be mailed to me. It was not until I contacted this organization that they finally communicated with me. Since I received the notice I have called XXXX at least ten more times at XXXX, and I am continuously directed to their voicemail. There is no live agent to speak with.
Please note the account was reported to the credit bureaus before my first and only conversation with XXXX. The impact on my credit report triggered my research about the organization and my contacting them.
According to CFPBs debt collection rules, the debt collector is required to communicate with a consumer in person, via phone, email, or via mail, then wait a reasonable amount of time before reporting to credit bureaus. XXXX did not communicate with me before reporting this account to the bureaus thus XXXX failed to follow appropriate CFPB guidelines.
I previously submitted complaint ID : XXXX with the CFPB to follow up on this collection account and XXXX failed to provide more context on their collection practice and why I was not contacted since XXXX. Instead, XXXX advised that a new service provider : XXXX XXXX XXXX, is to be contacted about this debt. XXXX also claimed that I provided a cease-and-desist to the new service provider when they contacted me.
Again, I could not even communicate with XXXX, how am I expected to know that another collection agency is attempting to collect on this debt? I have no documentation pointing to a new service provider. I learned about this because I initiated a dispute process with CFPB. Otherwise, I would have never known that a new agency is now involved.
I plead with CFPB to look further into this issue as XXXX failed to follow fair debt collection practices.
XXXXWhy was the consumer not contacted since XX/XX/XXXX?
XXXXWhy was the account suddenly reported to the consumer 's credit report in XX/XX/XXXX without calling, emailing, or mailing any letters or invoices since XX/XX/XXXX?
XXXXWhy does the consumer report state that the account is opened in XX/XX/XXXX, when in reality it started to be reflected in the consumer 's report in XX/XX/XXXX?
-Why is a new service provider being introduced after XXXX failed to communicate with the consumer since XX/XX/XXXX? Did XXXX receive authorization from the consumer to transfer this account to another service provider?
XXXXWhy does the consumer report still name XXXX however, the organization claims a new collection agency is managing the debt?
-Is it an acceptable practice to damage a consumers report by reporting a debt for which the consumer was not timely notified about nor allowed to pay before being forwarded to the credit bureaus?
All these questions need answering as these are the gaps XXXX practices created.
XXXX unfair and cloudy reporting practices have caused me a lot of financial issues. I request that this account be completely removed from my credit report due to the organizations failure to properly and timely inform the consumer about this debt. Upon removal, and if the account is deemed to be owed, I would be willing to discuss further with XXXX directly, not XXXX XXXX XXXX.
|
| 06/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
RE : CitiCard XXXX XXXX XXXX credit card. Despite a transaction dispute in process with an XXXX seller regarding my {$540.00} supplement purchase ( on XX/XX/2017 ) as product I received was not what I ordered and was returned, CitiCard processed this {$540.00} charge through my XXXX account without advising me of seller 's claim and allowing me to dispute the claim before CitiCard processed the {$540.00} payment to seller through my CItiCard XXXX account. CItiCard simply notified me that the {$540.00} payment had been processed through my account after the payment had already been processed by CitiCard. Both XXXX and seller ( XXXX XXXX XXXX ) agree that the {$540.00} is due to me and both XXXX and seller state that the {$540.00} refund has been processed back to my CitiCard XXXX account. CitiCard, however, denies that a refund has been received and is not only billing me for the {$540.00} charge but has now added both late payment fees and interest charges, despite both XXXX and seller acknowledging my return of the incorrect product I received. CitiCard said that I ( rather than CitiCard ) must contact XXXX and seller to obtain the {$540.00} refund that XXXX and seller state has been refunded to my credit card but CitiCard denies receiving. I have communicated in writing withCitiCard and with both XXXX and the seller more than 60+ times during the 6+ months since the XX/XX/2017 transaction date and both XXXX and seller state adamantly that a full refund of the {$540.00} payment was processed back to my XXXX account ; however, CitiCard continues to deny receipt of a refund. An XXXX supervisor asked if, in addition to my efforts, CitiCard had also submitted a claim for the refund? The XXXX supervisor was unable to find any documentation of any claim submitted on my behalf by CitiCard with these records. The XXXX supervisor advised me that the various banks have their individual procedures for submitting claims regarding disputes such as this. Despite the fact that CitiCard processed this {$540.00} payment through my XXXX account when a transaction dispute was in process without advising me of the nature of seller 's claim and allowing me an opportunity to dispute seller 's claim and only notified me of the processing of the payment to XXXX after the payment had been processed, CitiCard continues to respond that it is my responsibility to follow up on the refund that both XXXX and seller state has been refunded to my XXXX account. Although I have requested that CItiCard provide me with a copy of any claim made by CitiCard to XXXX to resolve this matter ( if any claim was in fact processed by CitiCard ) I have had no response from CitiCard to my request to CitiCard for a copy of any claim CitiCard may have processed to XXXX. I am XXXX years old and have worked hard all my life to maintain excellent credit. I pay the full balance on every credit card ( or any other billing ) immediately upon my receipt of any billing statement. I have copies of my more than 60+ communications to both XXXX and to seller as well as to CitiCard over the past 6+ months attempting to resolve this matter. I have provided CItiCard with documentation from both seller and XXXX that the product was returned that that both seller and XXXX agree that a {$540.00} refund is due to me. I have been unable to find information regarding how credit card providers such as CitiCard are regulated and I am urgently in need of help. I simply can not even sleep over this matter that is threatening to destroy the excellent credit I have worked to build and maintain throughout my entire life.
|
| 01/20/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
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For the past 10 years, I had a checking account at the XXXX, CA branch of Citibank, that had one job ... to automatically pay my mortgage. XX/XX/XXXX, and unknown to my wife or I, Citi changed its fee policies stating that certain checking accounts had to maintain $ XXXX or else you 'd receive a $ XXXX/month penalty ( I do n't know about you, but tying up $ XXXX to avoid unfair fees is unreasonable and simply not possible!!! ). I did n't notice these pernicious & " surreptitious deductions '' ( which were cleverly hidden on the back side of a page in a barely readable sized type ) for over 2 years! I know their defense will be, " That it 's right there on the statement ''. But, I propose to you, that the average banking customer who set-up an account for a singular purpose like automatically paying their mortgage might fully peruse their statement the first few months and might check in on something other than their balance once every few months, but after 8 years ... all either my wife or I looked at was the balance and made sure we had enough in there to pay our mortgage. Below are more details to this story : XX/XX/XXXX, we sold our house in XXXX, CA, and while going through mortgage and banking statements I discovered these $ XXXX/month fees. I immediately telephoned Citibank 's customer service, and of course, they could not help me, but then referred me to the XXXX XXXX, branch which was open that day ( XX/XX/XXXX ), a Saturday. When I sat down with the senior banker at the XXXX XXXX Citibank, XXXX XXXX XXXX, she seemed sympathetic and acted as if I was not the first person to bring this to her attention. She told me that she would credit me for the last 4 months fees, and acted as if she had done me a favor ( I still have not received a statement to confirm the credits ). She then said, " If you bring me your statements for the past few years, I 'll see what I can do ''. So I made an appointment with her for the next Saturday morning. I showed up at the appointed time with every statement for the past two-plus years, and to my surprise and disappointment, she had n't shown up for work that day. So, I was directed to see XXXX XXXX XXXX, a " personal banker ''. He was not helpful, and wanted me to leave my original statements with him refusing to make copies. Finally, another banker overheard his refusal and jumped in to help make copies. Then he proceeded to try to sell me on a new Citi Mortgage, knowing we had just sold our house and were looking to purchase another and so we would be in need of a new mortgage. A few days later I received a call from XXXX XXXX, telling me I should have fully read my statements and there was nothing further she could do to help, but then asked if I would like to talk to the Citi Mortgage Manager. Imagine how I felt!
To re-state, for the first 8 years of having a mortgage and checking account with Citibank there were no fees, then a policy was created that forces the customer maintain a {$50000.00} balance or else charges of $ XXXX/month will incur, and these terms are tucked away on the back of a statement ... not on Page XXXX, in Large Bold Type! Why should a customer ever expect to see them at any time? I believe this activity to be an unscrupulous business practice. In fact, I believe it 's criminal! How many XXXX dollars is Citibank stealing from its unknowing customers?!!!
Please find the enclosed Citibank Statements : There are statements from XX/XX/XXXX, through XX/XX/XXXX, where No Fees were charged. Then there are statements from XX/XX/XXXX, through XX/XX/XXXX where Citibank was charging fees.
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| 07/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Re : Account ending in XXXX.
I would like to inform you that Citibank has reported the account ending in XXXX as a Charge Off on my consumer report to the credit reporting agencies ( XXXX, XXXX, XXXX ), and this action may constitute fraud under both Federal and State Laws.
I am aware that according to the IRS, a Charge Off becomes gross or ordinary income. Income isn't supposed to be reported on consumer reports. Is the IRS aware of this agreement you have with the credit reporting agencies?
The definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ).
Referring to the IRS Publication, Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ), Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies. '' Pursuant to 26 U.S. Code 61 ( a ) ( 11 ) - Gross income defined Except as otherwise provided in this subtitle, gross income means all income from whatever source derived, including ( but not limited to ) the following items : Income from discharge of indebtedness.
As defined by the IRS, even if you didnt receive a Form 1099-C, you MUST report Canceled Debt as Gross Income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report Income to my consumer report.
According to Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Also, if your debt is canceled and the lender must file Form 1099-C, the lender can include the information about the abandonment on that form instead of on Form 1099-A. The IRS clearly explains that if my debt is canceled then the lender, which is yourself, MUST file a 1099-C.
If Citibank has filled out a 1099-C form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.
I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. I did not receive anything which is a violation. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.
Referring to the IRS Publication, Instructions for Forms 1099-A and 1099-C ( Rev. XX/XX/2022 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt. " Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. '' If the canceled debt was not more than {$600.00}, Citibank is still required to report the debt as income to the IRS.
The continued reporting of this inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of your responsibilities as a furnisher of information & 15 U.S. Code 1681e ( b ).
Sincerely,
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| 05/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have worked on this problem with Citimortgage since XX/XX/XXXX resulting in a severe runaround. If you XXXX " problems with Citimortgage '' you will see multiple web sites reporting the same situation I have experienced. In XX/XX/XXXX a man from Citimortgage called my Insurance company, XXXX and canceled my insurance putting their own insurance on my XXXX loan. Their insurance was 4 times the cost of XXXX. They then said my Escrow and Insurance accounts were drained and the only way it can be fixed is by doing a refinance which now they are calling a modification. The papers they recently sent are not the ones I signed because they do not show the Notary Seal. XX/XX/XXXX they were crediting {$150.00} towards my Principal which was at {$43000.00} .... now today they credit {$24.00} towards principal with a balance of {$53.00}. Loans decrease with payment not increase. Plus the paper they just sent says it wo n't be paid off til XX/XX/XXXX, this is impossible. It 's a 30 yr fixed begun in XX/XX/XXXX. Do the math. They are conducting a scam. Every time I call I 'm transferred multiple times and get no where. I have spent 6-7 hours on the phone for multiple days, weeks and for years since I discovered what happened. A lady from Citimortgage researched my file for four hours with me on the phone and she found proof that they were not crediting monies to my principal as the loan states. She set up a case with a report of what she found and scheduled a call back ... .when she did not call I called her direct number to be told she had been fired. I have asked for my file to be sent to me multiple occasions to be told they have lost my file and can not pull up my payment history. I opened over 15 '' cases '' as they call them, never to get any answers. I then noted main contact names at the top of my statements with contact numbers. I would call to find either they had been fired, or no longer in the department, or told they had never worked for Citimortgage. I have mortgage insurance and they have refused to tell me who that is so I can contact them ... .I asked who the President of Citimortgage is for notification and they refuse to give a name or way of contacting him or her .... ( I think it is XXXX XXXX . ) They have closed all of their Citimortgage offices so I went into several Citi Banks in multiple states and they say Citimortgage only exists by phone and most of the call stations are outside of the United States. I even quit making house payments in hopes of getting someone solid or real assigned to my account still with no success. By the way I have recieved boguss phone calls from XXXX, XXXX, XXXX, and??? other countries around XXXX or XXXX XXXX wanting my Citimortgage information. I have shown my loan documents to professional loan companies and they all say I have major problems, the docs do n't look real, and by their calculations I should owe a lot less than {$53000.00} ... .around 27,000. So in good faith I called to pay off my loan and end this nightmare and still no return calls, no instructions in how to do so, and their Bank said they could not take the payment. I got two different woman on the phone that stated they owe me money and they put me on hold to figure out how much money was owed to me only for a supervisor to get on the phone and hang up on me. I ca n't tell you how many times they just hang up. This has reached EMERGENCY STATUS! I have read of several who gave up and walked away from their homes. Citimortgage should be held accountable like XXXX XXXX. There needs to be a detailed investigation I 'm not the only one!
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| 06/17/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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XX/XX/2016, I was induced to open a Citibank CitiGold checking account with a bonus offer by using a Promotion Code " XXXX. '' The bonus promised XXXX AAdvantage bonus miles in exchange for opening a CitiGold account with the above promo code and within 60 days after account opening spend {$1000.00} of purchases using the Citibank Debit Card and make 1 or more qualifying bill payments each month for two consecutive calendar months. Consequently, I confirmed with Citi that I fulfilled all terms of the offer but did not receive my bonus points as promised and after an internal investigation I was denied the bonus. Fortunately I have kept evidences of all of the steps regarding this offer and am able to provide you with details for this investigation.
On XXXX XXXX, 2016, I opened online my new CitiGold Account After enrolling with the promotion code provided. The screenshots that I keep clearly show the promotion code being attached to my new account.
On XXXX XXXX, 2016, I contacted Citi by the Chat function on their website. I was assured by a representative named XXXX that the promotion is attached to my account : " XXXX : at XXXX I see that the promotion is attached to your account. '' In addition, the representative made a note on the account of my AAdvantage number.
On XXXX XXXX, 2016, I contacted Citi by Chat again and I spoke with a representative named XXXX, who confirmed that 1 ) the promotion is applied properly on the account, 2 ) I have satisfied the requirements, and 3 ) I should receive the bonus miles no later than XXXX XXXX, 2016 : " XXXX : at XXXX XXXX, I do see the note on the account with the promotional code placed on the account.
XXXX : at XXXX I do see that you have completed the qualifying bill payments.
XXXX : at XXXX You have also completed the debit purchase of {$1000.00}.
XXXX : at XXXX The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 calendar days from the date when all offer requirements were completed.
XXXX : at XXXX Let me provide you an estimate when you can expect to receive the rewards.
XXXX : at XXXX I see that you have completed the last bill payment on XXXX/XXXX/16.
XXXX : at XXXX Yes, I believe that 's right XXXX : at XXXX Hence, you can expect to receive the rewards no later than XXXX/XXXX/2016. This is the maximum time frame you can expect to receive the rewards. '' On XXXX XXXX, 2016, after I did not receive the bonus as promised I initiated a Citi Gold live chat session with XXXX. XXXX reconfirmed that I have met the requirements : " XXXX : at XXXX I appreciate that you have met the requirements. '' XXXX also asked for my AAdvantage number and made a note for it in the account. He also opened an investigation with reference number XXXX, and told me that I will be receiving an answer by XXXX XXXX, 2016.
After I did not heard by the promised time, I made two more attempts to get an answer -- one by chat session and one by phone.
Finally on XXXX, XXXX, 2016, I receive a communication regarding the result of this internal investigation, informing me that my bonus is denied with the following reason : " There was not an AAdvantage Mile promotion offered in conjunction with the opening of your account. '' I am extremely disappointed that Citi is now refusing to honor their end of the agreement. Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
Thank you for your time and attention to this matter!
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| 10/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX, a fraudulent charge of {$800.00} was placed on my Best Buy Citibank credit card by a merchant in XXXX, Texas. I contacted Citibank to file a claim regarding the fraudulent charge, and they informed me that they were investigating the charge and they sent me a letter stating that I would not be liable for the {$800.00} or any related fees or charges ( see attached documents ). I closed the credit card account on XX/XX/XXXX due to the risk of fraud, and planned on paying off the remainder of the balance before the expiration date of the card ending in XXXX. That expiration date was XX/XX/XXXX. Citibank send another credit card to me in an attempt to get me to continue services with them, this card ending in XXXX, however I never activated the card. On XX/XX/XXXX I went online to the Best Buy Citibank website that I have always used to make a {$1000.00} payment towards the balance. At that time, I was able to see my current balance on the closed account, as well as all account activity and statements. On XX/XX/XXXX I logged back on to the Best Buy Citibank site to make another payment and saw under the account activity that the same merchant in XXXX, Texas had made another charge of {$800.00} to my closed credit card account on XX/XX/XXXX. I immediately contacted Citibank 's Security Department to file another fraud complaint. I inquired as to how someone could place a charge on a closed account that even I could not make charges to. They had no answer. Two days later I went back online to view my balance and see if the charges had been removed, but now the site would no longer give me viewable access to my account activity ( XX/XX/XXXX ), only my current balance of {$1600.00}. This showed that they had not removed the fraudulent charge, but had removed my ability to view my account activity so I could no longer see what was going on with my financial responsibilities or liabilities. I attempted to call them again and get answers for why this was happening, but was transferred back and forth between departments 6 times. On XX/XX/XXXX I logged on to the website to discover that I could no longer see my account balance ; it stated the balance was {$0.00} ( see attached document ). I called Citibank to ask what was going on and spent 3 hours on the phone, getting bounced around between departments, being told by each person that they didn't know what was going on or they didn't have the authority to do anything. Finally I learned that the Security Department created a new account number - without my permission- and transferred the balance over to that new account. The customer service person said that they could not give me access to the new account, so I could not see what the balance was, the account activity, or get a statement. I was totally blocked from seeing my financial responsibilities and liabilities. All she did was send me a generic email giving me my current balance of {$1600.00}, which reflects the fact that they did not remove the duplicate fraud charge to my account ( see attached email ). Now I can not see if someone if putting false charges on my account, I can not see what I owe, and I can not see whether or not they are taking off the fraudulent charge. Citibank has been trying to dodge their culpability and responsibility in these matters, and is now trying to block me from having access to my own account while a fraud investigation is pending, causing serious financial liability issues for me. They have been uncooperative, deceptive, and they changed my account number without my permission, blocking my access.
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| 10/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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The process of applying for a mortgage began quite normally, I had individually received a pre-qualification letter in early XX/XX/2019 and went through the initial mortgage qualification process with a friendly and helpful mortgage specialist over the phone and via emal, upon which I began searching for a suitable property slightly below the pre-qualified dollar amount in order to get a preapproval I can use in the house purchasing process. I found a property and submitted a formal offer with a seller ( with a 45 day closing timeframe ending XX/XX/2019 ( originally ), a mortgage approval contingency and an earnest money deposit of {$10000.00} in the accepted purchase agreement sent to escrow ) on XX/XX/2019, upon which I began the mortgage commitment process with Citibank in order to be able to secure financing prior to the 45 day closing window.
At this point, when the file was handed over to the loan processor and the underwriting team is when the process began to deteriorate. Our file, due to different requests for information as well as the addition of my wife as a co-borrower and her own, was sent back multiple times through Citibank 's underwriting and risk assessment teams, all the while that 45 day closing date was clearly communicated on multiple occasions to the mortgage specialist and loan processor respectively ( on the phone and via writing ). Initially I was assured that this date would be met, however it became clear about a week prior to the closing cut-off, and acknowledged by the loan processor in writing XX/XX/XXXX, that Citibank could not finish their process up and thus the loan processor requested an extension of the closing window in order to get a full approval ( which the seller also agreed to ), as Citibank were only able to supply a conditional approval as of that date.
As I had business travel to XXXX already planned for XX/XX/XXXX and communicated this clearly to Citibank in writing as regards the logistic urgency of having a final approval issued prior to that, ultimately after some more underwriting review submissions and daily back-and-forth over the following 8 days I did receive a full approval Saturday XX/XX/XXXX ( I was advised by loan processor that it was issued Fri XX/XX/XXXX ... but computer system problems prevented its issuance until the next day ).
My actual complaint revolves around the fact that, after Citibank issued me the approval and Closing Disclosure, and then notified me of a practical final closing date, and I in turn rightfully removed the financing contingency for the seller, that I assumed all was well UNTIL a senior mortgage sales agent from Citibank called me ON THE DAY OF CLOSING Thursday XX/XX/2019 and advised me the approval had been declined post-approval, prompting me to go in-branch, escalate and lastly work with Citibank 's Origination Advocacy team, who ultimately advised me that the approval was now declined ( even though I had already received it ). Obviously this caused no minor disruption in my personal life as now I was left in the lurch with the new home purchase falling through, existing residence already all packed up and ready to move out and a business trip overseas to go on that I would potentially come back from effectively homeless as a result of this extremely last-minute declination from Citibank under the most inconvenient of circumstances. The seller finally chose to cancel the purchase transaction that day and to keep my {$10000.00} USD earnest money deposit, and entirely due to what I feel is a major error here in Citibank 's handling of this matter.
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| 05/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am filing this claim with the CFPB to recoup all of my money spent on XXXX XXXX products.
My wife and I were walking from our room to the beach when we saw the storefront. XXXX XXXX, the store salesman and our dedicated sales rep after purchase, asked whether I wanted a XXXX XXXX. I said yes, then our small talk led to us being convinced to go into the store for a free XXXX XXXX XXXX XXXX free trial use of their XXXX XXXX XXXX XXXX XXXX XXXX The solution in the store worked well, so we showed interest, and we were then given a free trial use of their XXXX XXXX which was supposed to remove lines on your face. Both products seemed to show noticeable differences on our faces so we purchase the XXXX XXXX XXXX and ( because of the large amount of money spent ) we were given a number of XXXX XXXX XXXX XXXX XXXX
Furthermore, we were given an entire replenishment set of all the XXXX for when we ran out.
All product had to be shipped to us in California ( from Hawaii ) because : 1 ) They didn't have all of the product, and 2 ) My wife and I travelled with carry-ons, so we didn't have room in our suitcases.
We arrived back home, received the product, and realized there was missing product, so we contacted XXXX XXXX, and he told us he would ship the missing product to us. By 'contacted ' I am referring to text conversations between my wife and him. Weeks went by and the correct products never showed up. On top of that, we quickly realized the product we did have didn't work anything like what was used in their store in XXXX.
Upon this realization, we tried to find any details on XXXX that would allow us to return the product for a full refund. After reaching out to XXXX, the messages between him and my wife started turning green ( rather than blue, as occurs when messages are being sent and received between XXXX XXXX ). As a result, we called him and the store in XXXX and got ahold of the store. They told us over the phone and in email that they would forward our concern to XXXX, but we never heard back from anyone. At this point, I was no longer able to get ahold of the store in XXXX and XXXX was nowhere to be found ( still ). I started searching online for some details about XXXX, most importantly their customer service contact phone #. Until a few months ago, however, their website was extremely unprofessional and the only means for reaching out to them was through their online portal. They failed to include a company address and phone # at the time. No one ever called/emailed us back, so I filed the claim with Citibank.
Citibank kept our correspondence/filed claim spinning in circles by focusing on details of my initial claim that were irrelevant. For example, they requested a checklist of product ordered versus product received, so I provided the checklist, yet it was irrelevant because we were trying to ship ALL the product back to XXXX since late XXXX XX/XX/XXXX.
Some time between XXXX XXXX and XXXX XXXX, XXXX polished their website so that the company looked legitimate. They even included a contact phone #. When I realized this, I immediately contacted the phone # and left a voicemail. I did this 3+ times in XXXX and I have yet to receive a call back.
So, after being denied by Citi 3+ times over the course of the past ~1 year, I am now emailing you for some assistance. The supporting evidence I've provided Citi is very detailed, so ( again ) I am filing this claim with the CFPB to ultimately recoup my money. I've supplied ample evidence supporting my case, but Citi continues to deny the charges as fraudulent or recoupable.
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| 03/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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This is a problem that started in 2020. I have since tried to get help. I called the company for over a year and stopped when they sent my account to debt collection and tarnished my credit score. I finally gave up until I found this. So in 2020 I started using my credit card again and made some purchases here is where everything fall apart. Using citi double cash banking app I put in my banking information and made a large payment of {$500.00} at the time. The credit company rejected my payment. I was confused and opened the app. They tried to withdraw the payment from a different bank and an account that I dont own. I dont even know how that is possible. I called them the first person I spoke to a man was quite frankly rude. I explained that I used the app to make my payment but that they tried to withdraw funds from a different bank. I asked how is that even possible. I was told in a very rude way that the it was impossible and that I made the mistake. I told him that on the app the only bank account listed was my bank and I wanted to know how they withdrew funds from a different bank that I dont own. The man told me that it was my fault and the call was disconnected ( honestly I think he hung up on me ). I reprocessed the payment the same way I did it the first time and it went through within 24 hours they collected my payment and closed my account. I called again and was told again that it was impossible for them to withdraw from a different bank and that the mistake was mine I dont have an account with that other bank. I asked why my account was closed and that I wanted this resolved and I was told that it was illegal for them to speak with me about my account but that they would not mind a payment for my account. I only paid part of my account. They told me that I would receive a letter in the mail explaining why my account was closed. For six months I was calling every few days. During this time I never received a letter in the mail. Every time I called I was told that it was illegal for them to talk to me about my account. They told me to wait for a letter and every time asked me to make a payment. After six months I told them that if its illegal for them to speak to me about my account then its illegal for me to pay it until someone can talk to me. I was calling about once a week for over a year and each time I got the same response ( its illegal for us to talk to you about the account but we are willing to take a payment from you. Also please wait for the letter in the mail ). Each time I was stonewalled, finally after a year waiting for a letter I received on in the mail it was two sentences long saying that the bank closed my account due to a low credit score, at the time my credit score was above XXXX according to the three major credit score companies. They destroyed my credit score and sent this debt to multiple debt collectors. I tried after it was sent to debt collection I called them one last time and I asked for a manager a supervisor anyone and each one told me again that it was illegal for them to speak to me about my account, but that they would take a payment from me. I refused to pay because the issue wasnt ever fixed and they refused to speak to me. I am desperate to resolve this issue. I still want to know why they shut down my account and refused to speak to me. I also asked many times for them to investigate how my payment was processed from an entirely different bank then the one I added in the app. But I havent found anyone who could help me with this and my credit score has suffered greatly because of them.
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| 10/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am complaining how my citi credit card handled my dispute. They didn't handle my request professionally, mislead me with wrong information, and helped a scammy third party website commting a fraud.
XXXX XX/XX/XXXX : XXXX XXXX XXXX advertised a very cheap price of {$1600.00} on XXXX XXXX XXXX : I booked the ticket based on the price they advertised from XXXX : They used the XXXX number and constantly blowed my phone off ( I have supportive screenshot ) : content of calling : Firstly, they claim the {$1600.00} doesn't exist. I had to pay {$400.00} more to get the ticket. -- -- Why do you sell me a ticket that doesn't exist???
Secondly, after I said I didn't have extra money, they said wait! You only have to pay {$200.00}!
Thirdly, I said " I don't have a dime for more. If you can't sell the ticket for the price you advertised for, I will just chancel the ticket. '' Fourthly They said : We will just do {$1600.00}. I said great!
XXXX pm : They called me and later on sent me an email ( around XXXX ), asking for my ID and citi credit card. That's huge red flag right there that eventually lead to making the decision of not going with this company. No company would ever ask me to email my ID and credit card over to them. God knows how they are going to do with my top 1 sensitive personal information. I said : There's no way I'm gon na send this information to you. You are a fraud company, I want to cancel my ticket now. They answered : No you can't canceled it! I said every company has a 24 hr cancellation policy. You haven't issue the ticket to me yet, why can't you cancel it? They answered : Oh just wait for the ticket to be issued! I said no I just want to cancel! They responded : Just wait for the ticket to be issued! They totally ignored my cancellation request and insist me to wait for the ticket to be issued.
XXXX I called Citi and reported fraud. You can see my screenshot that there was the XXXX number. I also attached the dispute email that happened on XXXX. Citi said don't worry, you will get your money back. Just have to wait for the pending purchase to post first.
XX/XX/XXXX XXXX am XXXX just issued the ticket the next day!!! They ignored my request and issued the ticket the next day!!! ( please see attachment ) For the most part of XXXX, I have been constantly calling Citi to make sure my case is handled as soon as possible, because I need the credit back to buy another ticket.
3 weeks to a month later : Citi made a decision : " Good news! You have been issued a security deposit credit! '' I didn't know what a security deposit was, so I called citi, the representative on the phone said : '' Ma'am, the problem was resolved, decision is final! '' 5 days later : I made sure the credit was not changed or reversed, then I bought another ticket to XXXX.
XXXX I noticed the credit was reversed. XXXX If you said the decision wasn't final, I would have waited to buy another ticket. I don't have money to pay for XXXX tickets.
P.S : Something Very Important : About the ticket I bought from XXXX, I called XXXX XXXX to verify this ticket, the airline told me I'm not able to use this ticket, because I'm a XXXXXXXX XXXX, my trip from XXXX back to XXXX through XXXX will be denied by this airline.
This has been a very frustrating experience. I was so disappointed that Citibank reversed the credit while the representative said it was final earlier. I never used this ticket, instead I bought another one from trusted website and used that one instead. Now I am facing two plane ticket charges.
Please help. I am better reached by email.
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| 08/24/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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In XXXX of this year, I found out that I had been charged a late fee but knew that neither my wife nor I had used our Home Depot card in a long time. I logged in and realized it was for a charge at a Home Depot in South Carolina dated XX/XX/2023 and we live in Minnesota. I disputed the charge.
I received a letter dated XX/XX/XXXX letting me know that the dispute had been resolved and that they had credited my account and updated my credit report. ( Ive attached this letter to our complaint. ) On XX/XX/XXXX I was also charged an additional late fee. I had no idea why as I had been told that the dispute had been resolved so I starting looking through my statements and realized that when the fraudulent charge was made at the Home Depot in South Carolina the total amount was for {$250.00} but then there had also been a credit for {$34.00} at the same store in South Carolina a day later, XX/XX/2023.
For some reason when the dispute was resolved I was credited for the total amount but then the credit card company added the {$34.00} back on to my account as a debit even though it was all part of the fraudulent purchase.
Prior to these fraudulent charges, my account had been at a XXXX balance for a long time so this was not for some previous balance and I have not used the card since so it was for no new purchase.
My wife first called the Fraud department on XX/XX/XXXX @ XXXX and spoke with a representative for 19 minutes. They said they would make a note in the file and that the investigator would need to go in and update the account and asked her to allow 14 days for this to occur.
We then got a call from the Collections department and so she called the Fraud department again on XX/XX/XXXX @ XXXX again explaining the issue and that we were getting calls. She was told that they would put a note in the file that this was fraud and ask Collections not to call anymore and that we just needed to allow 14 days for the information to get updated.
We continued to get calls from Collections weekly if not daily and my wife finally called Collections back on XX/XX/XXXX at XXXX. She told Collections that she was frustrated that they kept calling her and was told by the Fraud department not to make any payments and that this discrepancy would be fixed so didnt understand why they continued to call her. She asked that they stop calling and we havent gotten any phone calls since although we did get a letter that told us they would no longer contact us regarding our late fees.
Weve tried to be patient but after not seeing anything resolved and seeing our credit scores continue to drop over this we are getting very frustrated. Additionally, Citibank ( home depot credit card company ) continues to add on late charges and interest each month.
On XX/XX/XXXX we wrote a letter to the Home Depot Credit Services, XXXX XXXX XXXX, XXXX XXXX, SD XXXX since that was where the original letter had come from back in XXXX telling us that they had taken care of the fraudulent charges.
We explained everything that we are explaining again now hoping that someone might respond. We have heard nothing and when I log in to my account it still shows we are past due, and I see nothing that says they have opened the issue back up so that they can fix it.
I have included a copy of the letter from the Fraud department telling us the issue was resolved, the letter we sent to Home Depot on XX/XX/XXXX as well as a .pdf of all of our statements from XX/XX/2023 to present and a .pdf of specific areas of our statements with notes so you can see exactly what Im referring to.
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| 08/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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We opened a credit card through Costco with Citi Bank, which we used for vacation. We made a large payment against our large balance, we sent in a check for {$5000.00}. We did this believing that the funds would go from our bank, to the credit card, and then we would have {$5000.00} in available credit on that card to use. But we do not. Citi Bank has taken the money from my bank, but will not allow me to use have that amount available for 288 hours, or 12 days.
The check we sent began processing on XX/XX/XXXX and was cleared from our account as posted by our bank on XX/XX/XXXX. Although Citi Bank policy states to allow up to 48 hours for large transactions, they will not release the balance until XX/XX/XXXX. Multiple calls to customer care and management have resulted in an unequivocal no from Citibank. They will not, and can not do anything to allow this balance to be available for use. This Citibank policy was not written or disclosed at any point. Had I as the customer been properly informed that there was a policy that any large first time payment would be under Review for such a long period of time I would not have made such a large payment. However, because I was trying to be financially responsible and pay my debts, that amount of money is not available for my use either on my personal bank account or from my credit card. This is a situation that I did not anticipate because their policy did not disclose it. Now it is the first week of school and I have no money in my bank and no money on my credit card.
I made such a large payment out of my bank funds under the belief that at the worst, I would have to wait a couple of days before being able to use that amount of money on my credit card. Our financial plan for this pay period was to use the credit card to pay for food, clothes and school supplies for the first week of school. Then next pay period make another large payment, thus using our credit card as it is designed to be used. Now I am forced to take a 401 ( k ) loan and overdraft my bank account by several hundred dollars. Each and every transaction up to a max of {$1000.00} will result in a large overdraft fee of {$25.00}. When this is all said and done I am anticipating having a financial loss and damage of around {$2000.00} because of a policy that I was not informed existed, and has no recourse to correct. I can not feed my kids, I can not but school supplies, I can not put gas in my car, and I am am powerless because I was trying to be responsible. My best hope is that my 401 ( k ) transaction clears before I reach my overdraft limit.
Upon multiple attempts to work through this, the best resolution offered was a {$50.00} credit to my rewards balance, which will be available to use in XXXX, which is 6 months from now. If I were to do something similar to my credit card company, they would be fining me thousands. To make matters worse, they stated that if we had paid with a debit card, it would have never gone for review. I wont begin with the discussion on the security of debit card transactions and fraud vs a signed check with a routing number, because as the government body overseeing this, I am sure you know more about that than I do and see the ridiculousness of that.
Citibank, at this point it feels like they are stealing from me. They stole my {$5000.00} and because of an undisclosed and I detailed policy, I am penniless for almost two full weeks. And they have offered no reasonable solution. In addition, their unethical actions will cost me thousands in penalties and fees. Please call for more information.
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| 06/16/2016 |
Yes |
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Web |
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I had a Macy 's credit card account which was opened on XXXX/XXXX/XXXX to take advantage of a free financing offer. This account was subsequently closed on XXXX/XXXX/XXXX. At the time of closure, the account had a zero balance. Since XXXX XXXX, this account has been reported to the credit bureaus as closed / unknown. Without explanation, this account, which had been closed for over 5 years appeared on my credit report as over 120 days past due. Upon discovery, I contacted Macy 's, who then referred me to Citibank, who was indicated as the card issuer. I spoke to a representative at Citibank who advised that there was a {$8.00} balance remaining on the card. She could not offer an explanation of how this account which was closed over 5 years ago with a zero balance suddenly had a {$8.00} balance. However, she was able to refer the matter to another group within Citibank for resolution.
In XXXX of XXXX, I discovered that Citibank 's " resolution '' was to change the reporting of the account status from " over 120 days past due '' to a " charge off ''. This action was taken despite no one ever being able to explain to me how my account went from a zero balance at the time of closure in XXXX XXXX to having a {$8.00} past due balance in XXXX of XXXX. Upon discovery, I immediately contacted Macy 's, who again referred me to Citibank. Citibank advised that in order to correct the reporting I would need to submit, in writing ( by fax ), a request for correction with an explanation of the circumstances. On XXXX XXXX, XXXX, I submitted the requested information via fax to XXXX.
On XXXX XXXX, XXXX, I received a letter from Macy 's thanking me for " my inquiry '' and advising that I now need to submit the same information that I faxed on XXXX XXXX by mail to an address in XXXX, OH. Upon receiving this letter I called the number listed to inquire why I was receiving this request. After a long wait, I spoke to an individual who then placed me on hold and connected me with an individual named XXXX in the Citibank XXXX. XXXX looked at my account information and informed me that she could only see information back to XXXX, but that what she could see looked " odd '' to her, as the account was showing closed with no balance up to XXXX XXXX, at which time an {$8.00} balance appeared. XXXX had no explanation for how this could happen, other than she explained that Macy 's often will add a $ XXXXmonth fee to closed accounts. Although, she could not confirm this is what happened to my account, she did say that she had seen it before.
I requested XXXX 's help in correcting my credit report, however she said her department did not handle that, and that the department that did could not be reached by phone. XXXX checked the notes on my account and found that on XXXX/XXXX/XXXX notation was made that an update had been sent to the credit reporting agencies. However, XXXX was unable to see what the contents of the update were. She offered to have a supervisor / manager call me sometime within the next XXXX5 business days to see if they could provide me with further information. I accepted this and am now waiting for a phone call to come some time within the next XXXX5 business days.
My issue is still not resolved and it has impacted my credit score negatively by roughly XXXX points. The negative impact has interrupted the process I was going through to refinance my mortgage.
Given all of this, I am requesting the CFPB 's help to resolve this issue with XXXX Citibank so that the negative ( and false ) reporting to the credit agencies will be fixed post haste.
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| 08/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
Servicemember |
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Summary for my experience CitiBank at XXXX : I opened up a checking account on XX/XX/XXXX with Citibank over the phone with an Agent with the understanding that it would earn a $ XXXX bonus if I kept $ XXXX in the account for a certain period of time. I met this requirement, but when the time had lapsed for the bonus to payout, I chatted on XX/XX/XXXX to see what was going on and a case was opened. I then chatted on XX/XX/XXXX I was told that my account had qualified for the bonus payout, but I was missing a XXXX for the bonus payout to proceed. I was told at this time I could fax it and I did so. I then called on XX/XX/XXXX and was told there was no XXXX on record and that I would need to mail it as this was something you could not fax in. I dropped off the completed XXXX in the mail the next day on XX/XX/XXXX. I then followed up today XX/XX/XXXX in a phone call and the XXXX says my account now does not qualify, but they do have the XXXX on file. I complained and explained that in previous chats with Citi agents, they said it had qualified. I am now waiting for a response that they say will take XXXX business days to respond.
Because of the way I have been treated in regards to not getting the promised bonus, I started doing an internet search to see if others have been treated the same way where the bonus was not paid out. I did find the exact runaround from a post online where Citi did not pay out the bonus. This seems to be methodical process the Citi is using to not pay bonuses. The link is XXXX : XXXX and the specific section in this link that shows the same runaround is : Promotion Scam- I Want My Money Plus Interest Posted by : XXXX | XX/XX/XXXX Timeline with specifics : XX/XX/XXXX : Chatted with Agent about missing $ XXXX bonus and Agent opened up a case below : YOUR CASE ID : case id XXXX Was told the investigation may take up to XXXX business days. Responses will be sent after case completion.
XX/XX/XXXX : Chat with Phobe- She chats : Our records indicate you have qualified for the above offer. Unfortunately, the above account is not Form W-9 ( or Form W-8 ) tax certified.
Please complete the enclosed Form W-9 ( or Form W-8 ) and mail the finished form to the following address : Citigroup Technology, Inc .
XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX Once your account reflects as tax certified, you may contact the Customer Service telephone number listed below, to request a follow up investigation.
Here is the direct phone number to contact our dedicated team : XXXX. ( for TTY : use XXXX or other XXXX XXXX ).
Please note, this department is available XXXX hours a day, 7 days a week.
XX/XX/XXXX : Chat with XXXX I then chat with Tiara to see if I can fax the form : XXXX responds below that I can download the form shown below and then send it to the global fax number.
https : XXXX Send the completed form to : Citigroup Technology , Inc XXXX
XXXX XXXX XXXX XXXX XXXX, SD XXXX or XXXX XXXX XXXXXXXX XX/XX/XXXX : I faxed XXXX on XX/XX/XXXX finished at XXXX XX/XX/XXXX : I called Agent. Agent said i still needed to mail XXXX. mailed out what I faxed on XX/XX/XXXX via drop off at post office in the morning.
XX/XX/XXXX : called to speak with Agent. Agent said the w-9 is now on file but her backend supervisor told her the ach method didn't qualify for the bonus now. I told her that in discussion with previous Agent, and that all I needed to do was provide a w-9 and that my account had already qualified for the bonus. The Agent filed a new dispute with reference # XXXX and advised I may get a response up to XXXX business days.
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| 02/22/2016 |
Yes |
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- Credit decision / Underwriting
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Web |
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1. In XXXX I was XXXX. Being self employed I lost some business because I had to temporarily stop working. I had no choice but to file for bankruptcy. Because In XXXX I was no longer able to make my monthly mortgage payments because my savings were depleted I stopped making payments.
2. In XXXX To prevent foreclosure in my home I accepted a loan modification. The loan modification reduced my payments significantly from XXXX to XXXX. This modification deferred {$45000.00} of the principal balance with no interest or monthly payments. The negatives were that the loan was extended to 40 years, the interest rate was XXXX when the HAMP rate was 2 %.
3. Being an independent Loan Mortgage Officer attending a seminar in early of XXXX I had the opportunity to talk to a CitiMortgage Homeowner Support Specialist who suggested to stop making the monthly payments so " the bank would pay attention to your file '' she said. I believed she was genuine so on XXXX/XXXX/XXXX, I sent a letter with all the financial information to CitiMortgage and stopped making payments as suggested.
On XXXX/XXXX/XXXX CitiMortgage reply requesting additional information which was sent timely.
On XXXX/XXXX/XXXX CitiMortgage requested more information and send me XXXX Borrower Assistant Form XXXX which, on XXXX/XXXX/XXXX was fully completed and faxed with all the additional information requested.
OnXXXX/XXXX/XXXX I received a letter from another Homeowner Support specialist who appeared not to know that Citimortgage had already been talking to me for the past 9 months. On XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I received similar letters. It was confusing.
4. Parallel to processing the application for the loan modification CitiMortgage began foreclosure proceedings making me believe that this was a necessary process to qualify for the HAMP program. To my surprise on XXXX/XXXX/XXXX I was served summons by the court. I believe this was done in purpose to pressure me to accept the loan modification that they would propose.
5. On XXXX/XXXX/XXXX I received an email informing me of the approval of the mod-trial, which I accepted after the scary moment I endure when I received the summons.
6. The mod-trial ended by XXXX/XXXX/XXXX but, on XXXX/XXXX/XXXX XXXX XXXX XXXX send me a Servicing transfer, to begin payments on XXXX XXXX, XXXX XXXX. Although, the mod-trial payment ended XXXX/XXXX/XXXX, the modification agreement dated XXXX/XXXX/XXXX calls for a modified principal balance as of XXXX/XXXX/XXXX. Additionally, the amount that was previously deferred for XXXX was included in the principal also, the loan was extended 3 more years or 40 years from the closing date and 4.625 interest rate, the new monthly payment increased from XXXX to XXXX.
8. I received the closing package on XXXX/XXXX/XXXX and when I called to question why they had deceived me during 9 months making me believe that my payment could be reduced, they told me that " if we do n't receive the package by tomorrow '' they will foreclose. They gave me no choice to deny the offer. I still have not recovered my business income and is really causing me hardship. If they had not encourage me to stop making the payment with the hope that I could get the HAMP rate I would have never applied for the second modification. My credit score has been affected.
9. CitiMortgage did not provide me with an amortization schedule and neither a breakdown of the late charges, interest, late payments and principal that were modified. Therefore I do n't know if they waived all prior late charges as outlined in their offer.
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| 07/22/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX CITIBANK N A XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX XXXX XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
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| 01/21/2017 |
Yes |
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Web |
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Citibank Violated the Regulation Z and the CARD Act of 2009.
Previous complaint unresolved, as issue was never addressed by Citibank. Citibank has never addressed the issue. XXXX Months prior to the card Act of 2009 ( 6 years after having my card open and enjoying a fixed rate of 9.9 % ), I received a letter stating that Citibank has made a decision to adjust my rate for new and existing purchases to a variable rate of 29.99 %, but I could call and opt out of these terms, and my account would be closed, and payable at the current rates. This was not a result of being late or credit worthiness, but a corporate decision to change my rate prior to the CARD act prohibiting these practices. We received two of these letters, one for another account with a much smaller balance ( which we closed, and they made no effort to keep open ). I immediately called in to close my account. There was no way I was willing to pay 29.99 % on more than a XXXX balance which was currently at a 5.99 % rate. Upon calling in, the associate attempted to retain me as a customer telling me that I had great credit history and have been excellent with my card. I expressed my concern and unwillingness to accept the new terms and would like to close my account. The agent informed me that since my account balance was not purchases, the 29.99 % would not apply to my EXISTING balance.
I would still have my Rate for life, and once the 5.99 % expired on the other balance transfers it would go to the 9.9 % rate, not the 29.99 % and not to worry.
I questioned the associate multiple times and was assured that my EXISTING balance would not be subject to this outrageous adjustment. I was also informed that Citibank had did this to all of their customers, and that once the market rebounds, that they will be lowering the rates. I once again expressed my concern about the existing balance being adjusted and would like to close it to be safe. I was assured that my existing balance would not convert to the 29.99 % variable rate. I agreed to keep the account open only under the terms as the associate outlined, which turned out to be totally UNTRUE!!!! As time has passed, the misleading information from Citibank has gotten worse and worse. I have been called a liar that my account was NEVER at 9.9 %, one agent stated she has worked for more than 20 years and never saw a fixed rate of 9.9 %. They have reduced my credit line to put my balance utilization up and impact my credit negatively. At one point I was advised to take a pre-approved offer I received from Citibank with an 11.99 % fixed rate for a new product, write on the application, " APPLY TO MY EXISTING CARD '' and return it, and they could adjust my outrageous rate on my existing universal card. Which, obviously did not work, but I did it any way at their advice. I have been told that " you are out of your default period, the 9.9 % will be back on your card '' ( when was I ever in default? ). " You have been a great customer, never late with any payments, you will have no problem getting that 9.9 % rate back. '' The list goes on and on. Every interaction has started with a call recording disclosure, I would think these calls should be available. Through it all, I have never been late with a payment, even when the rate is outrageous. They keep telling me that I am a great customer, admit to the error, but refuse to honor their commitments of 9.9 %. Instead they apply temporary adjustments, but refuse to do that any longer. My account has been converted to a XXXX XXXX, and I feel that this is an effort to hide historical data.
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| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT i paid my account and then i requested payment plan in XXXX. They agreed with XXXX dollars a month, catch up plan. I was making the XXXX dollars a month and more monthly. In XXXX they reported my account past due delinquent and they offered another catch up plan before the delinquent report. I was making the new payment plan and paid over XXXX dollars, i was cought up with my payments and i reached to CITI Bank and spoke to someone name XXXX. She informed me that CITI Bank doesn't offer catch up plan or payment plans, and informed me that in my account, there's no record of me having a payment plan. I emailed them XXXX letters of proof for payment plan confirmation, after i sent them that i never heard back from them so i emailed again. They sent me another letter stating that they regret any inconvenience and that they didn't have any contact of a payment plan before XXXX XXXX XXXX. In the same letter at the bottom it mentioned that during there investigation into my concern, regarding unfair treatment we found no evidence of discrimination action, please note that CITI Bank dose not condone any behavior or practice which is unfair or decrement of any one. If i have any additional information for me to forwarded to address above that was provided in the letter. I've never had claim about that situation so i don't know what that is for. I replied to them telling them that i didn't know what they where talking about discriminator, I send them first later from XXXX of the payment plant and they never replied so i called today and spoke to XXXX from the XXXX response team. They acknowledge that i had a payment plan after i showed them proof, he said that he apologized for mis communication and didn't know why the other representative could not see payment plan information and that he would see what he could do, he would not promise anything after they where the ones at fault. Then they went and fixed my payment status on my account to paid as agreed, to no late payments. A few weeks later they changed the status to late, then back to current. I am not sure if this was some game being played, but to meddle with someones personal info as much as they were doing should be reprimanded. They sent me a letter stating that they will be updating my account to paid as agreed. They later changed their mind it seems and made so many unwarranted changes to my report without notifying me. This is pretty scary on how a company can just with a touch of a button report to a bureau on payment status at their own will without no such cause. They have backtracked and told me so many different stories, i was promised so many call backs and never received them. I called and asked to speak to the reps that i was dealing with and not a single rep would take my call or call me back as promised. This has become utterly disappointing and scary on how i can not trust a company that has my personal information and can change information without my consent and on the other hand is telling me something completely different. I recently received another letter stating that they are closing my account now, again none of this makes sense and i think this company needs to be investigated.
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| 08/24/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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RE : CITI REFERENCE NUMBER : XXXX You are hereby ordered to CEASE AND DESIST all actions! You are hereby in RECEIPT OF NOTICE under the Fair Debt Collections Practices Act, RCW 62A.3, RCW 19.16 and 19.86 regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER.
In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT your demand for payment in the above-named matter upon your complete and total fulfillment of the following conditions : Condition:1. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your Company now claims is owed.
Condition 2 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt.
Condition 3 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt.
Condition 4 : Provide verifiable proof that any actual money was ever created or loaned to me by Your company, and not mere bookkeeping entries that were made in an attempt to establish the alleged obligation or debt, and in which case, this entire matter would constitute fraud on your part.
You have twenty-one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain. Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection.
Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance is considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by your company to secure payment with a Writ of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of {$75000.00} USD, payable to XXXX XXXX as compensating damages. Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
XXXX : XXXX [ Agent/ Beneficiary ]
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| 01/02/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Add-on products and services
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Web |
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The credit card is for Macy 's and issued by Citibank/ XXXX.
On XX/XX/XXXX Macy 's issued a letter stating it was a " reminder that you are enrolled in optional Credit Protection for your Macy 's card account, which may be able to help you through difficult times ... '' I never heard of this product before receiving this letter, so I checked my credit card statement for that month, and found there was a {$17.00} fee that month that was charged on my account and described as a " credit protection ''. It also indicated that total fees year to date was {$22.00}.
I called Macy 's customer service, because the identity of the issuer of this letter was not clear. It detailed the sender as : " Customer Care Center '' Credit Protection, XXXX XXXX XXXX XXXX, GA XXXX.
I informed the representative who took my call that I never authorized Macy 's to charge my account for this additional fee, that I never heard of this " service '' and asked it will be removed immediately from my account. The representative said the service will be cancelled and that I will not have to take any additional actions in regarding to this issue.
I paid my balance in full, leaving the disputed amount of {$22.00} unpaid.
Macy 's did not remove this fee and started collecting interest and late fees for a fee that I never authorized to charge. Macy 's issued a letter on XX/XX/XXXX, that they will not refund this fee, since my account was " protected '' under this service, claiming allegedly I opted in this service since XX/XX/XXXX On XX/XX/XXXX, I called their customer service again, and asked to speak with a supervisor. I spoke with a representative who identified herself as " XXXX ''. Since XXXX said that Macys will not refund the fee, I asked to escalate my complaint.
I received a letter dated XX/XX/XXXX, that my inquiry is under review. Again the fee was not deleted from my account and I received no proper respond to answer my complaint that this fee was charged without my consent or knowledge.
After I was notified that I am being charged since XXXX without my consent I research the issue and found I was one of many suffering the same issue and the same " customer service '', but I was astound to learn that this specific issue was already addressed by CFPB and that a consent order was issued in XX/XX/XXXX which determine Citibank/XXXX XXXX practices were deceptive and in violation of CFPA.
Although this order forced Citibank to reimburse all the fees they illegally charged Macy 's customers, I never receive any notice that I was charged or reimburse for this service, and to date I never even receive any disclosure about the service and its terms, until I was " reminded '' about this service 10 years after it was forced on my account without my knowledge or consent.
Not only Citibank did not follow the order to amend their practices, they kept charging these fees and even when I finally notice ( thanks for their " reminder letter '' ) they refuse to credit me back for the fees that were determined by CFPB to be abusive and deceptive.
The customer service is only a sham, and the letters are automatically issued to the customer, but no one address the issue and during the time they pretend to " review '' the dispute, they charge interest and late fee that are higher then their initial illegal fee.
And the " best '' in their abuse practice, is that refusing to pay will hurt the customer 's credit. This is bullying against customer to pay fees they are not entitled to collect, by intimidate them that not-paying it will result in a stain on their credit report.
|
| 09/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
At XXXX XXXX Pacific Time on XX/XX/2021, I received at XXXX a blocked/sender ( " Restricted '' ) call from someone whom, after I pushed for her name, identified herself as " XXXX XXXX XXXX of " Document Servers. '' She would not tell me where she was located, but rather simply told me " Central California. '' She informed me she was " working on behalf '' of, but not working " for '' when I pushed her on that issue, " XXXX and XXXX. '' She informed me that she was preparing to initiate " civil action '' against me, and informed me that written communications had been sent to a former address of mine -- XXXX XXXX XXXX XXXX, XXXX, Washington XXXX -- an address at which I have not lived for over ten years. As it turned out, which I learned when I contacted " XXXX and XXXX '' moments later, her call was connected to a purported Citibank credit card debt from almost 15 years ago. Under any conceivable stretching of the statute of limitations on the debt -- including taking into account any tolling or payments made -- the statute of limitations had expired a minimum of five years ago. In Washington, the state in which the Citibank debt was incurred and the state in which the Citibank account was opened, as well as, as indicated above, the state in which the address is that " Document Servers '' purportedly, according to " XXXX XXXX '' of " Document Servers, '' sent mail to me regarding the debt, the statute of limitations on such debt is six years, which still is fairly generous, comparatively among states, to creditors. I asked " XXXX XXXX '' for contact information for " XXXX and XXXX '' and informed her that she was never to contact me again in any manner. Still, at XXXX XXXX Pacific Time she called me twice and hung up. Not only was the purpose of the call clearly to illegally threaten me with suit over a debt barred from litigation by the statute of limitations, but also I consider " XXXX XXXX 's '' two hang-up calls to me after I informed her never to contact me again to constitute criminal harassment.
I then called the number -- XXXX -- that " XXXX XXXX '' gave me for " XXXX and XXXX. '' The person who answered the phone simply answered the phone " litigation department. '' I immediately asked to speak to the person in charge. After several minutes a " supervisor '' named " XXXX XXXX '' got on the phone. One of the first things I asked him, being an actual law school graduate myself, was whether there was even one person in this " litigation department '' with a law degree. XXXX XXXX answered in the negative. I asked him what legal jurisdiction he felt he had to make contact with people and threaten-overtly and subtly -- civil suits over debt barred from suit by the statute of limitations. I also mentioned my legal background. He responded, " You sound like a smart person. I am certain you have heard of 'tolling agreements. ' A lot of our debt involves debt with 'tolling agreements. ' '' I suspect that almost none of " XXXX XXXX XXXX ' '' debt involves " tolling agreements, '' and, regardless, " tolling agreements '' was completely irrelevant to the debt I was being threatened with being sued regarding. By that point XXXX XXXX also had long pulled up on his computer, at my request and using my phone number, the purported Citibank debt-at-issue. I asked " XXXX XXXX '' about " XXXX XXXX '' and he informed me he had " never heard of her. '' He informed me that " we use three organizations to make those type of calls. '' What happened here, on several levels, was patently illegal.
XXXX XXXX, XXXX.
XXXX XXXX XXXX ( XXXX ) XXXX XXXX
|
| 12/13/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am very distraught at what has occurred in the last few months. I have a credit card with Home Depot/Citibank. I've had the account for about a year. Throughout this time I have been making payments to them in a timely manner.
What I would do is always make the payment on the due date and sometimes I would make a double payment. Citibank would always accept it as a double payment. I did it at least twice. Both times Citibank took it as a payment for the current month and for the following month no problem. That is until XX/XX/2018. In XX/XX/2018, my father had been given a XX/XX/XXXX by doctors in the US. He was XXXX of XXXX and was told there was nothing more than could be done. Because of this, he contacted doctors in XXXX and was told that there was a treatment available for him. We literally packed up and left the next day. In the meantime, I paid all my current creditors double payments as I had done in the past because I knew I was going to be gone for some time while I supported my father. Everything was fine with all my creditors except for Citibank.
Apparently Citibank reported a 30 day late payment to the credit report for the month of XXXX. My minimum payment was only {$25.00} but I paid {$100.00}. I did not find out about this until I checked my credit report to make sure I was still on track to purchase a home that I contracted for. I saw the 30 day late payment and immediately my heart sank. On top of that, I was furious because it was a lie. I made sure I made more than the minimum payment due to the fact that I knew citibank/home depot had taken them as double payments in the past so I don't see why they didn't this time.
Because of this, I called the customer service number on the back of the Home Depot/Citi card and actually got to speak to a manager there. He actually told me that he did see a bigger payment and that he was going to correct the 30 day late. He attempted to do so but his system would not let him. Because of this, he informed me that he would actually write a letter to Citibank explaining thew situation so they could remove the 30 day late. Citibank said no because they had to be fair to all their customers. I think that is an arbitrary decision and a bogus answer. If they wanted to be fair to me, why didn't they apply my larger payment as a double payment just as they had done so in other occasions in the past. They had done it at least on 2 other occasions. When I brought up this point, they then said that if I had made the payment one day later, their system would have recognized it as a double payment. That to me just sounds like more hogwash. So because I paid it one day too soon their system took it as one large payment instead of double payments like it had done so in the past?
What's worse is that this late payment now disqualifies me for the home I had contracted just a few months prior. I told them this and they still won't remove this 30 day late payment that I never paid late. I paid them in advance. I feel it's wrong that I am being punished arbitrarily. I made preparations for leaving out of town and am still being punished for it. My father is dead now, my credit is damaged due to no fault of my own, and now I won't be able to buy my house when its finished in less than a month. All because CITI decided not to take my payment as a double payment as it had done so multiple times earlier in the year.
Please help me as I don't know what to do. Even the manager at customer service was trying to help me reverse the 30 day late payment so I know that I am not in the wrong here.
|
| 09/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
This is now the third attempt to get this info to you -- I hope it works this time. I am in a definite hardship situation and all XXXX and CitiMortgage do is keep me going in circles : I had to retire early from my position due to medical reasons, and I do have the corresponding paperwork that supports this claim. I am also involved in a long, stressful battle with my older brother over our parent 's funds and some property which began more than two years ago when my father died XX/XX/XXXX. I have since ( XX/XX/XXXX XXXX had the care of my mother but because I had planned on it, this by itself is not a hardship ; the fact that she suffers XXXX however IS very difficult. I am also in the remaining six months of a bankruptcy, that when finished will be FIVE years long. My brother stole all of our mother 's remaining money and some valuable possessions, so I have had only MY monthly annuity ( 56 % of full-time regular pay ) to pay for the upkeep of XXXX households for over two years now. I applied for a second mortgage through CitiMortgage XX/XX/XXXX and was clearly not thinking reasonably -- I have also been in the grip of a severe XXXX that took years to diagnose and then treat. XXXX my home loans are at high rates -- 6.2 % for XXXX XXXX {$110000.00} XXXX and 7.5 % for CitiMortgage XXXX originally {$75000.00} but has ballooned to over {$100.00} XXXX My home and property are not worth the XXXX put together. Due to the hardships I have and AM still suffering through, I was also contacted AND scammed by just such a group of " lawyers '' as described in the article in XXXX Magazine, who would take care of reducing both interest rates to 3 % AND at least have half of the CitiMortgage balance " forgiven. '' HA. I paid {$3000.00} for basically nothing XXXX it was tax refund time so I had some funds XXXX. This group calls themselves XXXX XXXX XXXX. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX.
Now I have received a foreclosure notice from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX based on the lack of payments to CitiMortgage. I have not ever been able to pay CitiMortgage on a regular basis -- and the loan balance is out of control. The clock is ticking and I need someone or something to intercede and put CitiMortgage in a position that will induce them to reconsider everything, from the principal balance ( XXXX forgiveness of the balance based on the predatory nature of the loan AND my extreme conditions that are happening ALL AT ONCE ), the interest rate ( from 7.5 % to 3 % -- the going rate and not at all a " demand '' ) and to make these changes effective immediately. I also need to have XXXX do the same ; however that balance does n't require a drastic cut, unless it is deemed fair and necessary based on all of my extenuating, " hardship '' circumstances. That interest rate is 6.2 % and 3 % is what I can handle. I have run amortization schedules for 2.8 %, 3 % and 3.2 % and they are " do-able '' for me even with an escrow account amount to cover homeowner 's insurance and taxes every year. The MARKET VALUE of my home is {$180000.00} and the TAXABLE VALUE IS {$100000.00}. I need a home where I can care for my mother and of course live in MYSELF for the rest of my life. Will you PLEASE intercede on the foreclosure? And will you please refer me to a legitimate, genuine and authentic agency that I can send ALL of my accumulated forms, documents, letters, " pay '' stubs, etc., to so that this mess has a concrete, negotiated and FAIR resolution? Thank you for any and all help you can give.
|
| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American |
|
I have a Citi credit card account I have been trying to get the late payment removed on my credit report for over 2 1/2 years. On XX/XX/XXXX I made 2 payments on Citi card accounts. I accidentally paid my husbands account 2 times when I should have made one of those payments on my card ending in ( XXXX ). Shortly after the due date XXXX XXXX Citi card collections contacted me and I made another payment for this account. All payments were 3-4 times more than the minimum amount to be paid. On XX/XX/XXXX I contacted a supervisor, XXXX, who removed the late fee and the late payment notice. The payment was made 3 days later not 30 days late, I had already made the payment just on the wrong account. My name is on all 3 accounts but they wouldn't transfer the payment. On XX/XX/XXXX I spoke to a rep in the call center that advised me to write a letter to : Associate Credit Bureau Dispute Credit which I did and attached a copy of my report showing payment history was 100 % on time. Somehow the late notice shows up again on my credit report. On XX/XX/XXXX I filed a dispute, I should receive a letter in 7-10 business days. No letter received. On XX/XX/XXXX I spoke to supervisor, XXXX, he said he removed the notice while I was on the line gave me a confirmation number of # XXXX. On XX/XX/XXXX, Notice is still there, I spoke to a supervisor in the call center and they agreed to remove the late notice, I was supposed to get a letter stating it was completed. On XX/XX/XXXX I contacted the call center again to ask for the inquiry number since nothing is ever completed and promised, and that supervisor said there was nothing in the computer but he would enter a review request. From XX/XX/XXXX until XX/XX/XXXX I entered on line disputes through XXXX XXXX and XXXX and XXXX. They all come back with no changes made. On XX/XX/XXXX I talked to a supervisor XXXX he submitted a review request and stated the notice would be removed in 30 days which would be the XX/XX/XXXX bill cycle. He was reluctant to give me any kind of tracking number but told me to trust him it is done and I would get a letter stating the correction was made. On XX/XX/XXXX, correction not completed, I spoke to a supervisor, XXXX, operator # XXXX told me he couldn't go into the system to change the late notice. It's not a banking error it was my fault I paid the wrong account. I told him I have been dealing with this for 2 1/2 years and everyone tells me something different. First they can't see the account because it is paid in full, then they can't go back that far, then they will submit these review request..which nothing is ever done. I'm tired of dealing with this and I want the notice removed. Under credit reporting it should only be reported as missing..which I paid the account or more than 30 days late... I paid the wrong account on time and then paid this account within 3 days. even with inquiries they fall off in 2 years ; I have complied with my agreement to pay and I have always paid {$100.00} or more on all these minimum amounts of {$26.00}. I told XXXX I want someone in management to take care of this once and for all. This XXXX 's supervisor is supposed to call me by XX/XX/XXXX ; No name, No phone number, just somebody is supposed to call me and he's going to tell me the same thing XXXX just told me. I want the notice removed. I have 3 accounts with Citi and they are all current with outstanding ratings. Just this one which one supervisor corrected and someone went in and added the notice back on. Please advise at your earliest convenience how you can help me. Thank you.
|
| 04/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On XX/XX/2019, I opened two credit disputes with a merchant -- XXXX -- for two payments made for the same product. One was for {$430.00} and the other was for {$1200.00}.
The following week, I called Citi to make sure I was providing all the information possible to support my claim and asked if I could do more, such as provide photos or other evidence that the cups weren't able to be separated. Citi said that I've done all I can do and that I needed to wait 45 days for a response from the Merchant.
On XX/XX/2019, I got a notification from Citi that the merchant had responded to my disputes. Citi asked me to provide a signed letter and address the merchant 's response, along with proof of return and documentation that supports my position. At this time, I only saw one letter come up on my Citi portal, so I addressed the {$430.00} dispute.
On XX/XX/2019, I submitted my response for the {$430.00}, detailing my position ( as asked ) for why the cups were defective. I also explained that the merchant would not provide return shipping, though I asked them to twice. I also explained that the merchant provided INCORRECT information about the wrong case. They presented their case with bad information, which I pointed out in my letter.
On XX/XX/2019, I saw and submitted my response for the {$1200.00} dispute. The response was identical to the response for the {$430.00} dispute. I detailed my position ( as asked ) for why the cups were defective. I also explained that the merchant would not provide return shipping, though I asked them to twice. I also explained that the merchant provided INCORRECT information about the wrong case.
On XX/XX/2019, Citi notified me that my dispute credit of {$430.00} had been made permanent.
On XX/XX/2019, Citi notified me that my credit of {$1200.00} would be reversed and billed to me. I called Citi to ask why and spoke with a supervisor named XXXX. I couldn't get a straight answer from XXXX. At first, she said Citi attempted to go to pre-arbitration. Then she said they went to arbitration but Visa declined because they didn't have enough proof. I pointed out that the merchant didn't provide ANY proof because they sent a response to the WRONG case and XXXX told me that " we all know what they meant ... we're talking about the same thing. '' XXXX then told me that Visa requires proof of return. She then explained that there might not ever be proof of a return if the merchant doesn't accept the return. I told her that the merchant would accept the return but that they didn't provide the label. I had made the merchandise available for them to pick up and they didn't come. I explained that I did everything I possibly could to return the merchandise to a merchant who would never accept it and XXXX explained that Citi can't help because Visa won't accept the arbitration. XXXX talked over me so I'm not sure she ever actually heard me. She was very difficult to work with and it took me so long to try to understand what she was saying because she gave contradicting information. I asked why one charge dispute was made permanent and one was reversed when the cases were identical and she said that one must have been just for the downpayment, which didn't require merchandise to be sent back. I reiterated that the letters from Citi, the response from the merchant to the WRONG cases, and my responses were identical. I doesn't make sense that one charge was reversed while the other was made permanent. XXXX just reiterated that it was because Visa wouldn't accept the arbitration and that there was nothing Citi could do.
|
| 05/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Older American |
|
This dispute with Best Buy has been resolved, in my favor as of XX/XX/XXXX. However, Best Buy has caused my credit score to drop from " very good '' to " Good. '' My dispute date with Best Buy was XX/XX/XXXX, when I was told that once the charges were in dispute, it WOULD NOT effect my credit. Then I see in XXXX and XXXX of XXXX, Best Buy reported my account as delinquent, which brought my credit score way down to fair. I WORKED HARD TO MAKE SURE I HAD AN OUTSTANDING CREDIT REPORT. Now my credit score is XXXX, which I find to be unacceptable. I called Best Buy and was told they notified the credit report companies and told them the dispute was resolved in my favor. I called Best Buy again regarding this matter and was told they only send the information to the credit reporting company on the XXXX of each month. Now it is the XXXX of the month and my credit score is still not up to par.
Below are the facts of this case : On XX/XX/XXXX, I purchased a laptop from Best Buy and returned it on XX/XX/XXXX. I purchased another laptop on XX/XX/XXXX and returned it for another laptop. I didnt like the color and Best Buy didnt have the color I wanted in stock and ordered the color I did want. I found a better deal on XXXX so I returned the 3rd one to the UPS Store in XXXX, VA. I did not keep the receipt for the shipping return.
I had a zero balance on my account before the transaction on XX/XX/XXXX, I do not have a laptop from Best Buy. I received an invoice stating I owed money for the laptop I do not have. I called Best Buy to dispute the charge and probably spoke to 10 15 different people as well as employees at CitiBank.
On XX/XX/XXXX, I received a letter from Best Buys Customer Service, XXXX, stating : We are pleased to inform you that we resolved your inquiry concerning the disputed charge ( s ) from Best Buy listed below : Dispute Amount {$450.00}, transaction date : XX/XX/XXXX. We issued a credit for the above amount and we now consider this matter resolved and have completed our investigation. Any amount placed in dispute status has been removed.
On XX/XX/XXXX, I received a letter from Best Buys Customer Service stating basically the same thing the XX/XX/XXXX, letter stated but the transaction amounts were {$420.00} and {$150.00}. These numbers are very confusing to me. At this point I was grateful to have the credit for the laptop I DONT HAVE.
On XX/XX/XXXX, I received an invoice from Best Buy in the amount of {$450.00}. I immediately contacted Best Buy and spoke with an employee named XXXX. XXXX stated a mistake was made and they are redoing the invoice and will contact me within 72 hours. I did not hear back from Best Buy. I receive another invoice on XX/XX/XXXX for {$450.00} plus a {$28.00} late fee.
I called them on XX/XX/XXXX and spoke with, A Specialist named XXXX XXXX. She directed me back to customer service and I spoke with XXXX and she sent me to XXXX. XXXX re-entered the request for the dispute. She stated Best Buy reversed the credit due to me because of a bank error and gave me a case # XXXX. On XX/XX/XXXX, I spoke with XXXX who said he would send me to an Escalation Specialist. I was on hold for at least an hour and then they hung up on me. I am really tired of fighting this battle as I have health issues and I really dont know what to do. All I know is I dont have a laptop from Best Buy.
Thank you for taking the time to read this letter, although, you are probably as confused as I am. Please investigate this matter and replace my credit report status back to the great score it was before this issue.
|
| 09/29/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Near the end of XXXX 2016 I opened a Citigold checking account with the promotion code : XXXX. The promotion offered XXXX AAdvantage miles after making {$1000.00} in debit card purchases and 1 or more qualifying bill payments for 2 consecutive calendar months. I completed the requirements on XXXX XXXX, 2016. A couple of weeks ago I realized that I still had not received my miles, so I called the Citigold customer service number. The service rep confirmed that the promotion was linked to my account and that I had met all of the requirements, but said that it could take up to 90 days ( after meeting requirements ) for the miles to post. That date would be XXXX/XXXX/16. On XXXX/XXXX/16 I still did not have the miles, so I called them again. The service rep could not figure out why I did not get the miles and escalated my case to be " investigated ''. Today I received an email from them stating that I was not " the individual to whom the offer was addressed ''. I called in again to ask about this and the customer service rep escalated my call to a supervisor ( XXXX, I think was his name ). I explained to him that I applied for the account online and even printed out the " Promotion Disclosures '' which stated all the terms and conditions. He asked if it had my name on it, because then perhaps he could make an exception for me, but obviously it did not ; it was just a pop-up window. I explained that I did not have any screenshots or anything of the application with my name on it because that would be an insanely unsafe thing to do! He put me on hold and came back with the same response I got from everyone before : that I was not targeted for the offer. I told him that I was literally holding a printout of the Disclosures and in the Terms and Conditions, it states " This offer is available to Citi/AAdvantage credit cardmembers who receive this communication. '' Well, at the time I had a Citi AAdvantage Gold XXXX, so everything seemed fine. XXXX told me that " this communication '' was referring to a targeted offer. WHAT THE HECK??? If I am literally reading something and it says " this communication '' without any other description, then the communication is what I am reading, right??? XXXX again told me No and that unfortunately the website ca n't tell who is or is n't the " targeted customer. '' So that 's my fault??? The worst part is that I had made plans based on receiving these miles. I also was paying $ XXXX/month for the account over the last two months, all the while being told I would receive the miles by XXXX/XXXX/16. XXXX told me that the best he could do is close my account today and make sure I 'm not charged another {$30.00} in two days. Gee thanks.
While I was on the phone with them, I did a web search and found that many people received their miles/points using the exact same application process I did, but that earlier this year Citi started rejecting the promo as they did in my case. I heard from several people that filed a complaint with the CFPB and were able to get their promo bonus. I told this to XXXX hoping he would keep me from having to compose this complaint, and he told me that Citi was granting the bonuses after complaints earlier, but now they 're fighting back harder because it 's costing them too much. Wait a sec -- so you 're telling me that not only did you start granting the miles/points because it was the right thing to do, but instead of honoring the promotion, you went the other way and are now fighting this even harder because it 's costing your company too much??? Insane!!!
PLEASE help me.
|
| 02/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
On XX/XX/2021 I applied for online and was approved for a CitiBank XXXX XXXX AAdvantage credit card. After being notified of this online, it took approximately two whole weeks to receive my card in the mail and to be able to start using this credit line. That was today on XX/XX/2021. I activated my card on the official CitiBank app for XXXX and I noticed that my phone number was listed as XXXX instead of correctly as XXXX. I corrected it in the app and was notified there that the changes had been accepted. I then began to shop with the card. After a few purchases at local stores, my card was suddenly declined when I attempted to make a purchase.
On XX/XX/2021 at XXXX hours, I called the phone number listed on the card ( XXXX ), I entered my card number, I answered the security question I was greeted with, and I was transferred to a representative who told me they had to verify my identity. They asked for my phone number and I told them XXXX. They said that they could not verify my identity with that number. When I asked why they could not provide any explanation. They asked me for another phone number such as a family member 's phone number. I gave them my wife 's phone number, XXXX. They told me that my identity could not be verified with this number either and asked if I had any other random phone number. I told them no and that this did not make sense to verify my identity. I asked if I could verify my identity in any other way and they told me no. I asked for a supervisor and after resistance by the representative, I eventually was transferred.
The manager went through the same exact verification process and denied me in the same exact way. I asked if there was any other way to verify my identity and they told me no. They told me that they would have to verify me in person by sending me an access letter in the mail. I asked if they could expedite this letter and they told me no and that it could take up to several weeks to arrive. I asked if there was any other way to be able to make purchases with my card in the meantime and they told me no.
Around approximately XXXX hours that evening, I tired to login to my account in the app and was not able to login. After entering my login credentials, I greeted with a message to immediately call XXXX. I called the number,, entered my last four digits of my card number, gave my personal question answer, and again the representative could not verify me by using my phone number and had no other way to verify my identity.
The sign up bonus offer for this card is that I have to make {$2500.00} in eligible purchases within the first 90 days of opening the account. It is obvious now that the unnecessary delay in getting me my initial card ( which took 11 days ) and now this unnecessary delay in verifying my account is going to realistically allow me around only 60 days to fulfill their sign up bonus terms. This would appear to be extremely misleading marketing and possibly even a purposeful unnecessary tactic to deny me the ability to achieve the sign up bonus. On top of this, I am now being completely unnecessarily denied access to my credit line and even access to my own credit account because CitiBank fails to provide a working and functional identity verification method or to provide even a single reasonable alternative to verify my identity ( except for post-mail ).
At this time, I have also contacted the Attorney General of California. I have not contacted an attorney. I have not sought court action or a law suit. I plan to file a complaint with the XXXX XXXX XXXX as well.
|
| 04/22/2015 |
Yes |
|
|
|
Web |
|
|
RE : CITI CARDS, ACCT # ****************Dear XXXX : The following is my response to your letter ( EX. XXXX ) dated XXXX XXXX, XX/XX/2015 and received on XXXX XXXX, XX/XX/2015 The credits referenced in your letter are not for the refund of the returned mattress and box spring.
The {$85.00}, XXXX and {$0.00} refunds are for the jewelry armoire that was ordered on line XXXX/XXXXXX/XX/2015, at the Sears store, XXXX XXXX for {$85.00} ( EX. XXXX ). This item never arrived at the XXXX Mall store for me to pick up. Since I had placed this order online at the XXXX Mall store, the store manager told me to come into the store to select a jewelry armoire, which I did on XXXX/XXXXXX/XX/2015. The XXXX was what the clerk used to make an exchange for the jewelry armoire that had already paid for but did not receive. The XXXX was the additional discount applied from a store coupon and your billing statement reflects the {$65.00} that I paid for the jewelry armoire ( EX.XXXX ). On XXXX/XXXXXX/XX/2015, Sears credited my Citicard account for XXXX as reflected on my statement ( EX. XXXX ).
The original amount of the purchase for the mattress and box spring was {$770.00}. The other amounts of {$18.00} and {$88.00} credits are for the partial cost and return of the box spring which totals {$100.00}. Sears is to refund me {$660.00}, which is what I initially requested when I opened this dispute. The agent who opened the dispute told me he could not put that amount in at the time and stated that he had to put the entire amount of the original transaction. The calculation is as follows:XXXX MATTRESS AND BOX SPRING AFTER DISCOUNT ON ORIGINAL PURCHASE-XXXX Refund receivedXXXX Refund XXXX Balance Due I also have an open complaint with the Sear XXXX XXXX XXXX XXXX XXXX XXXX My XXXX XXXX is XXXX.
Lastly, I called Citicard on XXXX/XXXX/XX/XX/2015 to find out what I needed to pay to avoid finance charges for this current statement and I was told to pay {$960.00}. Unfortunately, at that time, I did not know that you had already reversed the disputed {$680.00} amount without notifying me of the reversal and the agent was including that amount in the {$960.00} quote. I activated an online payment for the {$960.00} amount and after receiving your letter today, I realized that the {$680.00} was included in the payment. Since I just received your letter today and was not given the opportunity to provide you with this information ( because I thought Sears would in good faith take care of this matter as stated during our last conversations and their responses through numerous emails ) please cancel the {$960.00} payment or promptly refunded me the over payment.
Again, please credit my account for disputed {$660.00} for the returned mattress and box spring to Sears. And promptly refund me for the XXXX overpayment to my Citicard account.
Sincerely your customerXXXX XXXXSeveral other times, Sears attempted to deliver and replace the mattress on the last occasion, the mattress was stained with what appeared to be XXXX or other liquid. I refused the mattress and returned the original purchase. I have since tried to get my refund of {$660.00} and Sears continues to give me the run around stating that they have refunded me. I did a dispute with my credit card account who has since reversed the dispute and changed me for the mattress without any proof from Sears that they have refunded me my money for returned merchandise. I have an open complaint with Sears XXXX XXXX # XXXX but they have also given me the run around. Please helpXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
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| 10/23/2016 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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On XXXX XXXX, 2016 I discovered that a series of unauthorized withdrawals have been done on my account with XXXX XXXX XXXX XXXX. These withdrawals go all the way from XXXX XXXX up to XXXX XXXX in the amount of {$2000.00}. I have attached a snapshot of transactions from my account.
I tried to report this immediately to the bank by calling them the minute I noticed this ; however, as it was a Saturday, they 're answering service could not do much but take my message and refer me to their XXXX XXXX service whom I discussed my situation.
On Monday, XXXX XXXX, I spoke to XXXX from Member Services who instructed me to file disputes and claims on these transactions. She also told me that under Federal Regulations, I can only dispute up to 60 days out from the time of my claim. As such, they were only able to recover all but {$350.00} of fraudulent withdrawals.
Later, XXXX called me to explain to me what they are doing and that as she said earlier can only recover transactions within the last 60 days. They said that I should discuss my situation with Citibank as these amounts are outside the 60 days window for disputes. XXXX also explained to me that these may not be fraudulent transactions but possible an error on the part of the other party who happens to bank with the XXXX XXXX also and has the same digits in their account no. except for the last XXXX which could have been transposed inadvertently.
I said that, regardless these are unauthorized transactions and should be reversed especially the fact that the other party banks with them and therefore they have reign over that account and this entire incident for that matter. She said however, there are regulations and that Citicard needs to be the XXXX to reverse such transactions which was the same way the other transactions were treated except for the first or early transactions which apparently are being ignored.
I tried reaching someone at Citicard and Citibank for two weeks who could help me. I was thrown around as no one knew how to handle such a case. So everyone I talked to said that it is my bank who should deal with this on my behalf.
So, as you can see, I 'm in the middle of this being thrown back and forth between these XXXX banks.
I am filing a complaint on XXXX XXXX XXXX for not resolving this issue that is just, and washing their hands off by using a technicality under supposed Federal Regulations law ; furthermore, for not having the proper accounts system to prevent such an error like this, if it is, to protect their client-members.
I want to also file a complaint against Citibank/Citicard for ignoring my calls regarding this matter and for taking my case lightly. I had sent them a letter based on an address I was given by their customer service, and have yet to hear from them. With that letter is a copy of the credit union 's request to Citicard to address the transactions that occurred in XXXX, which according to them Citicard had ignored or have not responded to at all. I 'm also attaching that letter here. They are as much responsible for not ensuring such a fraudulent use of other people 's account and for failing to correct this appropriately given the evidence that these are fraudulent transactions.
Whether there is a 60 day dispute window or not, such should not be an excuse to avoid correcting what truly are unauthorized transactions. What this incident implies is that we can not completely rely on banks to keep our monies safe without us having to check on it from time to time. This is a disgrace!
Please help me recover my savings.
Thank you.
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| 03/03/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Application denied
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Web |
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For over 20 years I have had a Best Buy store card to make big purchases. On Saturday, XX/XX/XXXX, my wife and I decided to buy new kitchen appliances and we thought we would put the purchase on my Best Buy credit card given they were offering 18 months of financing. Why use our cash flow when we can take advantage of such a great promotion. The sales rep helped us pick out new appliances totaling over {$4000.00}. When I attempted to use my Best Buy credit card I was told I would have to reactivate my card given it had been awhile since I used it. So I entered my application information and was declined for a Best Buy credit card. I was however, approved for a Citibank Gold Visa for a {$59.00} fee! I had no idea at the time I applied I was actually being evaluated for 3 different types of credit cards offered through Citibank. There was no full disclosure on the screen and I was not allowed to only apply for the Best Buy credit card which was the only card I was interested in having. When I asked why I didn't qualify for a Best Buy credit card Citibank wouldn't tell me why until I received the letter. My wife works for XXXX and of course went nuts when she heard this because we always pride ourselves on have low debt and good credit. Needless to say we almost walked away from the sale and I was horrified to be denied the Best Buy credit card that I've held for so many years. We decided to put the purchase on our XXXX card instead and decided this will be the last purchase we make at Best Buy due to the relationship they hold with Citibank.
After the purchase I went home and called Citibank back and spoke with a manager with the help of my wife. The manager confirmed that a model decisioned my application and that I was declined due to insufficient credit experience. I asked what credit report was pulled and was told it was Experian so I immediately went online and pulled my credit report. The ironic thing is I have less than 5 % debt, my FICO score is above 800, I have 9 open accounts including an {$18000.00} VISA through XXXX XXXX XXXX, as well as several other store credit cards similar to Best Buy where you can only make purchases at the store. I have a total of XXXX in available credit to use!!!! On top of that, I had 33 credit card offers available for me to explore including 2 from Citibank! I have no mortgage because it's in my wife 's name ( she owned the house before we married ) and I paid off a card loan 3 years ago so I have no installment loans. I never thought that would make me eligible to be declined due to insufficient credit experience and neither did my wife. She feels I was declined because I would not be profitable for Citibank given my great credit history. I was only offered a {$59.00} annual fee Visa through Citibank which is insane and they are treating me like I have barely any credit which is not the case. When I reviewed my credit report I noticed that XXXX XXXX previously held the Best Buy portfolio and I never had a problem getting approved for an account. Now that Citibank owns the portfolio, they are attempting to qualify customers for their VISA and are forcing good quality credit customers like myself to pay an annual fee given we are deemed not profitable. This practice is unfair and deceptive! I am attaching copies of the decline letter, as well as screen images from my XXXX credit report showing the information I've stated in this complaint. The CFPB need to review Citibank 's practices as they should not be forcing customers to pay for a credit card when they have excellent credit.
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| 06/12/2016 |
Yes |
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Web |
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Citi is refusing to credit me the XXXX XXXX XXXX XXXX bonus they owe me for signing up for the Citigold bank account promotion and meeting all the requirements for the bonus in a timely manner. They informed me they were reneging on their end of the agreement months AFTER I signed up for the account and meet the spend requirements by debit card and bill pay. During the time period I was meeting the requirements I contacted Citi to make sure everything was going okay and in order and I was reassured of such, at no time I was given any reason to believe they planned to deny me the bonus. I even contacted them after meeting the requirements and I got a conformation from Citi via direct messaging ( which I have both via hard copy and saved in my Citi inbox ) that I meet all the requirements and my bonus would post soon. It never did. After patiently waiting for a few weeks after the date I was told the bonus would post I again contacted them by phone and was reassured again it would post, and again it did n't. It took dozens of phone calls and chats with Citi to try to clear the matter up, and in the end I was told they would not honor my bonus because I " was n't supposed to get that promotion '' in the first place. Mind you, this was told me to me MONTHS after I signed up for the promotion, meet every requirement they had and even after multiple communications with Citi in which they clearly confirmed my account had meet all the requirements and the bonus would post soon.
I received the promotion advertisement in a mailer sent to my home, the sign up code was XXXX. The bonus offer was XXXX miles and the requirements to : 1 ) Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/15 ; 2 ) Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card, which must be posted to the new checking account ; and 3 ) XXXX qualifying bill payment must be posted to the new checking account each month for XXXX consecutive calendar months. I meet each and every XXXX of these requirements and again, I have saved messages from Citi conforming such.
I did n't ask them to send me the offer, they did. All I did was follow the steps in hopes of getting the XXXX bonus and after doing everything they wanted I was told they 're not going to hold up their end of the bargain due to something that I had absolutely no control over. They told me to go into a branch and try to sort it out but I live in Ohio and we do n't have any Citi branches. They ask if I saved the mailer and I told them I did not as I saw zero need to dot hat after I was approved for the account and I confirmed everything was in order ; why would i save " junk mail '' when I have an messages from them not only acknowledging I meet the requirements and the bonus would post soon? No part of the agreement/promotion/offer or any of the documents I got with signing up for the Citigold account in any way stipulated I needed to hold onto the promotional mailer to get the bonus, none of them even mention the mailer.
I feel as though I was lied to and as though they did n't honor their end of the agreement. I did everything I could properly, I meet every requirement that was documented and printed and I have conformation from them stating so.
Shortly after I was told they were reneging on their end of the agreement and after being denied the opportunity to discuss the situation with whoever makes these decisions via telephone, I closed my Citigold account as I was quite upset about the entire event. I
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| 02/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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* This is a corporate card thru CITI. Ive worked for my employer for 20 years and NEVER had any fraudulent issues. I submitted a fraud claim to CITI in XXXX of last year ( XXXX.2022 ), right before my business travel.
* Myself and my son were deathly ill the week before so I didnt see any of the notifications sent as charges were being made which I communicated to CITI when I reported the fraud * The card was cancelled immediately and replaced the same week before I left for business travel * The card was maxed out fully on gift cards the previous week to my business travel. I called again from the airport because I have having issues paying for pre-booked travel plans and was told its still under investigation * It was also identified that 2 of my personal bank accounts were also hacked, and later discovered my husband had {$7800.00} in fraud charges on an XXXX card and my personal gmail was compromised as well.
* I also filed an online complaint thru XXXXXXXXXXXX as suggested * By XXXX, I was unable to access my personal gmail because the hackers had closed the email account all together, this is the email where all my original confirmations may have gone.
* Trying to figure out what happened, the only thing I could determine is all cards that were hit, were all listed in my XXXX wallet app since I was traveling the following week * Currently, both of my bank accounts have already resolved the claims and confirmed fraud, XXXX just sent my husband an email confirmation that the charges on that card were confirmed as fraud. The only outstanding fraud charges are the ones on my Citi card.
* Ive sent numerous emails to 2 different email addresses pertaining to their fraud unit and I havent recieved any responses. I just sent a new one today so waiting to see if I hear back.
* Ive been an employee for XXXX for 20 years, Ive NEVER EVER had an issue with a corporate card and Im extremely worried this is going to put my job in jeopardy.
* My husband and I did have something similar happen the year prior but only with our personal accounts/cards, and we discovered XXXX has several claims out there where employees were caught selling IP addresses for a LARGE amount of customers and then hackers would impersonate somehow? I really dont know much about that, but even all those issues were confirmed fraud and closed.
* All of these charges are still showing on my expense report and need to be removed immediately before there are any consequences to my job, they are about to charge our organizations budget code and then I fear I will be at risk at a job Ive had for 20 years I really need help.
* The only other note I would make is, about a week or 2 before this occured I rec 'd a text stating I had a balance due immediately and it was for a utility I do have an account thru, I stupidly quickly clicked on it and then I just got an error screen. BUT after that, my phone started acting very weird, it was going thru the battery really REALLY fast, apps would shut down with no warning, I had to reset several passwords because it kept saying I had the wrong one stored in the phone, which always autopopulated and never had an issue before, people were saying they were calling and texting me but I wasnt receiving all of them and overall everything was just acting very oddly. I was also noticing a definite uptick in emails about new subscriptions and whatnot, what I just assumed it was more than usual spam emails. My husband said his started acting funny too. After all this happened and I remembered that text, he was furious with me.
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| 07/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On the morning of XX/XX/XXXX I woke up to an email from Citibank with a statement balance of {$7100.00}. I had paid this card down to a {$0.00} balance in XXXX of XXXX and had not utilized it since then so this balance was unexpected. I opened my account to see two charges : 1. XXXX XXXX XXXX # XXXX for {$6900.00} 2. BALANCE TRANSFER FEE for {$200.00} Total balance : {$7100.00} I immediately knew this was not accurate as at this time 1 ) I didnt have credit card balances of that amount to transfer and 2 ) the only checking account I have available to write checks through is XXXX XXXX XXXX XXXX
I called Citibank at XXXX XXXX that morning ( XX/XX/XXXX ) and told them that these transactions were fraudulent. At the time I thought it was a balance transfer to which I told them it was fraud because I didn't have those amount of funds to transfer. They said they would file the claim and take care of everything.
In XXXX I didn't make any follow up calls as I figured this may take time to look into. In XXXX I began receiving a call a day from them asking me to pay my credit card minimum statement. I called them and told them that they should be looking into the fraud dispute and I shouldn't owe anything. They told me that they had sent a letter of declaration to my home for me to sign and send back. At this time, I was on the XXXX XXXX for 3 weeks and not home. As soon as I got back to my home ( in XXXX XXXX ), I found the letter in my mail, signed it and sent it back. This was either XX/XX/XXXX or XXXX. The letter including the fraudulent check that was written to government mint.com. This was a very clear indication that it wasn't me and I figured very easy for them to understand. The check is written with a " Citi '' logo on it, the routing number XXXX doesn't match any searches I found, especially not a Citi location. The signature on the check is not only not mine ( I can provide copies of my license and passport signatures ), but it said " XXXX XXXX '' and I am not married.
In XXXX I called Citi a total of 10 different times for a total of 2 hours and 38 minutes ). Each time no one seemed to have any idea how to help. On XX/XX/XXXX I was told they never received my letter so the dispute was closed. They said they would reopen it. On XX/XX/XXXX, the security center told me that my transactions were XXXX. When I asked if the balance was XXXX they just said " it would be '' after the investigations team looked into it. I asked to be transferred to that team and again they told me it had been closed but they would re-open it. It was this call that I was finally able to tell someone I had a photo of the check they sent me and that it wasn't my signature and I didn't have a checking account with them.
I called back on XX/XX/XXXX to follow up again and was told by the investigations team that this time they emailed me a new declaration. It wasn't anywhere. I checked my spam and trash but I never received an email. I do get emails from them so I know they have the correct email. We confirmed that it was XXXX and she said they would try to email again.
I tried calling back on XX/XX/XXXX, they dropped my call in the middle of " looking into '' the dispute and I didn't bother calling back.
It is now XX/XX/XXXX, almost 4 months later. I am under so much stress and losing sleep and time from trying to get someone to help me. I just checked my credit score which has gone down XXXX points just this month, after holding a very good score historically. I feel that Citi is conducting fraud themselves and is refusing to help me.
|
| 09/10/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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Items were purchased in store using a Macy 's Credit Card on XX/XX/XXXX in the amount of {$170.00}.
Monthly billing cycle closes on the XXXX of each month.
On XX/XX/XXXX a Late fee was charged to account in the amount of {$27.00} for late fee in which no payments were made within 30 days.
On XX/XX/XXXX Iogged on into Macy 's online account and paid off the entire credit card balance which was based on the balance given to me online in the amount of {$170.00} to bring my account to XXXX which was immediately shown upon payment. At no point was there any indication of any additional fees that had been accrued/charged or even option to pay once account was listed as having XXXX balance.
Knowing account was at a XXXX $ balance based on information specified on website on XX/XX/XXXX and given no notification that balance was not at XXXX at that time even though a late fee-charge had already been applied to account, I did not take notice of the next 2 statements that were only emailed out on XX/XX/XXXX and XX/XX/XXXX.
Accrued late fees and interest built up from XXXX without any knowledge because late fee was not mentioned, specified, or even given option to pay during payment on XX/XX/XXXX.
Late fees built up in the amount of {$100.00} consisting completely of compounding late fees and interest all of which I was unaware existed.
Account went 60 days past and no attempt to contact me was made other than the regular monthly statements which showed no indication of a past due balance. It should be noted again that the billing cycle closes on the XXXX of each month, however the email stating that " Your monthly Credit Card Statement is ready to be viewed '' are set out 8 days ( XXXX ) after the billing cycles closes I checked recent invoice on XXXX and noticed that I had an outstanding balance which I promptly paid on XXXX in the full amount of {$100.00} which according to the Macys.com once again brought my account to XXXX.
Yesterday XXXX I checked my credit report and noticed my credit rating dropped significantly and is all due to Macy 's not indicating there were additional money owed on the account when payment was made on XX/XX/XXXX. Furthermore, there was no option to even overpay on the account so at no time was I able to pay the full balance on the account on XX/XX/XXXX even though a late fee was charged on the XX/XX/XXXX.
I spoke to Macy 's at length yesterday for around 2 hours and they told me that there was nothing they can do. According to Macy 's they were attempting to contact me via phone and mail but I received no such contact. There were many exchanges and at the end of conversation it was clear to see that they were being pretty irrational towards their position and not willing to help whatsoever. At one point, the Senior analyst told me that I should have waited until the XX/XX/XXXX to make a payment and not made one on the XX/XX/XXXX because the late fee would have been on my account by then which is tough comprehend from multiple angles. This is just one example of the numerous claims that Macy 's made that in the end didn't prove a point, except that I was wrong and they're right even though it wasn't proved whatsoever.
Please contact me at your earliest convenience and I will gladly provide billing statements, call duration, phone records, etc. to validate my position and to show that Macy 's total lack of communication of an account balance is the reason why my account continued to be charged, went past 60 days due, and ultimately dropped my credit score for the first time in 5 years.
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| 05/13/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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My name is XXXX XXXX, I am currently a Citi checking ( account # : XXXX ) and saving account holder ( account # : XXXX ), as well as Citi credit card holder for nearly XXXX years. I applied the Citibank Account Package on XX/XX/XXXX, with a promotion to earning up to {$500.00} after meeting certain requirements ( later I was told that the promo code is XXXX ).
Upon submitting the applications, I received two emails indicating the last four digits of my checking and saving account numbers ( see the following Email 1 ). However, for the next several weeks, I had gotten no communications from Citibank, either in physical mail or email/call to inform my application. I was assuming that due to COVID-19, the marketing team was busy with other essential matters. Therefore, I chose to wait.
In the middle of XXXX and around XX/XX/XXXX, I couldn't help but tried myself to contact the new account department to check the status. In my thoughts, if the application was declined, I should at least receive a letter explaining it ; if the application was approved, I should see a debit card delivered to my address. However, during both calls, after a 2-hour waiting in the line, I was told that I still needed to wait more time as the application was still under review. I even asked whether I need to provide more supportive documents to facilitate the process. I got the answer " No documents needed '' and a promise " Just to wait '' over the phone.
On XX/XX/XXXX, I received a reminder email from Citi to state clearly these requirements to earn XXXX dollars ( see the following Email 2 ). At that time, I didn't have any information about my newly opened accounts, except the last XXXX digits account numbers, nor was I able to fund my new accounts or set up a direct deposit. Also, at that time, I assumed the application was not completed yet, and I shouldn't worry too much about the qualifications.
Time flies. As of the middle of XXXX, I still got no communications from Citi. I redialed the new account department around XX/XX/XXXX, only to be told that my application almost came to an end, and I shall receive a debit card with 7-10 business days. It was until then that I was informed that my account opening day was XX/XX/XXXX, and all promotional qualifications started since XX/XX/XXXX as well. The agent herself thought it made no sense to count days from XX/XX/XXXX and suggested me to further contact after receiving cards and finishing online access setting-up.
Eleven days later, I received my debit card to set up user-ID and finally got access to my full account number and routing number. Then I called to check with the new account department to get a detailed history of my account approval process. It turned out that not a single supportive document was required during the process, and my account application was not finally approved until XX/XX/XXXX, despite the last four digits account number was given to me on XX/XX/XXXX. In total, it took 57 days to get it processed. However, in the system end, the promotion qualification date still started since XX/XX/XXXX, requiring a new XXXX fund within 30 days and a direct deposit within 60 days. That being said, when I get ready to transfer funds, I am already disqualified.
I am suggested by a customer service agent to submit this promotional dispute and get me qualified for this bonus, to which I should have been entitled. The delays in getting ready to fund accounts are not my faults nor within my control. I'll appreciate it if a reasonable solution can be offered. Thanks in advance.
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| 11/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/, I received a text alert at XXXXXXXX XXXX : Free My Best Buy Citi Fraud Msg. Card XXXX Did you attempt a charge at XXXX XXXX on XXXX? XXXX, XXXX. Reply STOP to Opt-Out. I immediately texted 2 for NO. Then, I received another message from the same source thanking me for the response and providing the number for a Fraud Dispute. I then spoke to 2 separate representatives indicating VERY CLEARLY that I was at home and had not used the card for any purchases. Now, the fact that Best Buy TEXTED and CALLED the same exact night CLEARLY indicates that they suspected fraudulent activity. Their representative told me that there had been a fraudulent purchase online at Best Buy on XX/XX/ for {$1200.00} and 2 fraudulent purchases at a XXXX, one for {$100.00} The fact is that Best Buy knew something fraudulent was occurring. That is why they contacted me! I spoke to their representative on XX/XX/. A woman named XXXX flippantly informed me that she did not have any of the information from the previous phone calls, which Best Buy ALWAYS INDICATEs ARE RECORDED. I asked her why she was calling me if she did not have all the information. Why would a representative from Best Buy call me without having all available information regarding this issue?! She then told me that she had heard the previous recorded conversations I had with the Best Buy representative and told me that she cringed when she heard them say to me that the major fraudulent purchase was made online because, according to " XXXX, '' that information was not true. So, I WAS LIED TO REPEATEDLY BY BEST BUY REPRESENTATIVES/CUSTOMER SERVICE! First, " XXXX '' told me that she did not have this information. Then, she told me that she had heard the recorded conversation and cringed because the Best Buy representative lied to me about the fraudulent purchase. Then she said that I had to find out who committed the fraudulent purchase! So, the Best Buy representatives lied to me, tell me I have to pay your bank money for something I DID NOT purchase, and then told me that I am the one with the obligation of figuring out what happened. They have not even provided a receipt for the alleged transaction!
Now, Best Buy is accusing me of fraudulent activity that this company knew was occurring by contacting me at the moment it was occurring! Best Buy is accusing me of theft. So, they need to file a police report, or get search warrants, or obtain video footage of the fraudulent purchase or do all of the above before calling me with twisted explanations in which Best Buy own representatives discredit each other and say they are lying. At the very least, they should provide proof with an actual receipt of the major transaction! Best Buy needs to prove that I charged this card on XX/XX/ and on XX/XX/ before calling me to accuse me of lying and stating that Best Buy wants me to pay them {$1200.00} for the fraudulent transaction on XX/XX/ and {$100.00} for the fraudulent transaction on XX/XX/XXXX. What in the world makes Best Buy think that this company can just call people and tell them to pay Best Buy money for something the credit card holder didnt buy?! If Best Buy makes me GIVE them money- over a XXXX dollars - then, they probably commit this fraud with others, with anyone Best Buy wants to cheat out of money. The issue now is a matter of SOCIAL POLICY and extortion committed by Best Buy that could amount to millions!
I do not have documents to attach because Best Buy has not produced a receipt for these transactions. All I have are the charges on my credit card statement.
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| 08/04/2016 |
Yes |
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Web |
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1. XXXX XXXX, XXXX I charged {$37.00} of store merchandise on my Macy 's credit card.
2. XXXX XXXX, XXXX statement showed a late charge of {$25.00} 3. XXXX XXXX, XXXX I called Macy 's requesting a refund of the late charge. The late fee was reduced {$13.00} leaving a late charge of {$14.00}. I was n't happy about that, since my credit history is that of a good customer. I asked to speak with a supervisor. Customer service refused.
a. While on the XXXX XXXX, XXXX call I paid {$51.00} ( {$37.00} merchandise plus {$14.00} late charge, on the phone.
b. While on the XXXX XXXX, XXXX call I asked that the account be closed. The Macy 's representative refused to close the account.
4. XXXX XXXX, XXXX, I received another statement from Macy 's dated XXXX XXXX, XXXX that showed a new late charge and interest charge totaling {$37.00}.
5. I settled the total balance of my account on XXXX XXXX, XXXX yet Macy 's continued to compound late charges and interest charges in the months that followed until the total balance was {$260.00}.
6. During the months that followed, I called Macy 's attempting to close the account and resolve the matter. The representative for Macy 's refused to negotiate - demanding the total balance of late charges and interest charges be paid. I explained the merchandise charge plus the late charge and interest was paid in full on XXXX XXXX, XXXX and the charges outstanding were nothing more than late charges and interest charges on late charges and interest charges.
7. I subsequently received a letter, dated XXXX, and another, dated XXXX ; with both letters being from XXXX different/ distinct addresses : XXXX XXXX XXXX, XXXX , OH XXXX with the other address on the letter being : Payment Processing, XXXX XXXX XXXX, XXXX , OH XXXX. The letters asked me to pay the accumulated late + interest charges. I paid on XXXX XXXX.
8. On a statement, ending on XXXX XXXX, XXXX, they stated that the balance due was {$260.00}, and due on XXXX XXXX, XXXX. In XXXX, XXXX I received a letter dated XXXX XXXX, XXXX, from : XXXX, OH XXXX, stating I owed {$260.00}.
9. In XXXX, XXXX, I received a letter, dated XXXX XXXX, XXXX, from XXXX, TX XXXX, for {$260.00}. This amount is about 7 times the amount of the merchandise I paid for.
10. On XXXX XXXX, XXXX, I called the Macy 's phone number, trying again to settle this issue, and was transferred to the " Interior Recovery Unit Department '', where I talked with XXXX. XXXX required the last XXXX digits of my SSN. XXXX said it was in the charged off status, and XXXX XXXX XXXX had it, but that she ca n't see when the charges were so she 'll mail me the statements from XXXX to XXXX, XXXX, but that it will take 2-4 weeks to receive them. When she hung up, she said, " Thanks for calling Citibank ''. Somewhere along the way, the address got changed to XXXX in XXXX, AZ. There are so many addresses and phone numbers to call, and when I do call to make things right, no one can or will help me get the whole story, and have refused to close the account in order to stop the accumulation of fees. I think the people answering the question lines are trained bullies, not intending to actually help the customer.
11. It sounds like Macy 's is using Citibank for their credit card service and support.
12. I received my Homeowner Insurance bill in XXXX XXXX and in the bill it showed that my credit score was XXXX in the prior year. My current score shows as XXXX. It appears my credit was destroyed for a purchase, late charge, and interest charge of {$51.00} that was paid in full on XXXX XXXX, XXXX.
|
| 02/13/2017 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
Sometime in spring or summer of XX/XX/XXXX, Costco Wholesale Club & Citi credit cards open an unauthorized credit card in my name. Once the account was opened they UNJUSTLY ENRICHED both Citi & Costco by charging fees that were never authorized. In XX/XX/XXXX XXXX XXXX was fined {$180.00} XXXX for fraudulently opening accounts in a similar manner. see- https : XXXX? XXXX In all of XX/XX/XXXX, Citi & Costco failed to send and have me acknowledge credit cards by activating them. Citi & Costco posted unauthorized fees on the account to unjustly enriched either Costco or Citibank.
The fees charged to the account were never : 1. authorized by me.
2. for any tangible or consumable product whatsoever, they were only for intangible membership fees, service fees or late fees provided either by Costco or Citibank XXXX
On XX/XX/XXXX I received my first communication from Citibank concerning this account in the form of a statement which was now one month PAST DUE with late fees and service charges.
I was outraged at this fraud for the following reasons : 1. I never authorized this account.
2. I never activated the any credit card for it.
3. I never authorized any charges to this account since I did not know it existed as an open and active account.
4. I have another account with Citibank which is in good standing and I do get my statements from them on that account.
5. I have an exceptional credit score, this fraud against my name account will damage my credit.
On XX/XX/XXXX I called the Citibank customer service line. I complained about this and disputed the bogus charges and the late fees which would unjustly and enrich both Citi & Costco. The customer service agent taking the call agreed to refund the all charges and fees and offered to send me out a credit card for this account if I wanted to keep it open by activating it. I agreed to keep it open on the condition that they would show it current and refund the unauthorized charges. The card was sent out and received the first week in XX/XX/XXXX
On XX/XX/XXXX I went online to view this account and saw that nothing had been credited back to it. I then called customer service at Citibank again explain the situation a second time and disputed the charges a second time. Once again Citibank agreed to refund the fraudulent charges. In addition to that they got a Costco representative on the recorded line and the Costco represented it agreed to refund their charges.
The Costco representative further directed me to go into the a Costco store and pay a membership if I desired to be a member. I have been a member of Costco since the year XX/XX/XXXX and I expressed outrage it how they could do this. The Costco representative advised that I had an XXXX XXXX card and Costco used to honor XXXX XXXX ... Costco discontinued that relationship with XXXX XXXX and had allowed XXXX XXXX to " sell me '' to Citibank. I did not know that becoming a Costco member somehow made me an " indentured servant '' with no constitutional or consumer rights where one of their vendors could actually " sell me '' to another as if I was some sort of slave. I seriously doubt that this explanation is legal.
On XX/XX/XXXX I logged on and checked this account. Proper credits were not made and it was still past due.
I an seeking remedy and damages since the company is ignoring the opportunity to remedy their unjust activity. I clearly no longer wish to be a Costco member since they 're engaged and a " course of conduct '' which constitutes fraud and unjustly enrichment of Costco and / or Citibank.
|
| 10/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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I had a charge to my CC, Citi- from a Business called XXXX - for {$3000.00} on XXXX. I had been in contact with the owner of the Business numerous times, both by text, as well as by telephone and email. His Name is XXXX XXXX. He was offering to build a Website, in order to become an XXXX Affiliate. I had several conversations with him, and he had even given me his personal cell phone, as well as his physical address. He had convinced me to become part of his team, and earn commissions. He had a support team working for him in Arizona. He had told me his support person, 'XXXX ' would be contacting me " to set everything up '', in a matter of a couple of days. I however, was never contacted by his support staff to be set up. I contacted him at his Company, and he seemed genuinely upset that his staff had not contacted me to set me up with all of the information I needed to get started. I was concerned, however, he seemed to be trustworthy, and he promised that one of his staff would be contacting me right away to set things up. So after waiting a few weeks, I contacted the Company again ; afterall I paid {$3000.00} for this and now was paying interest too. I hadn't heard a thing. I did reach Mr. XXXX XXXX, and he told me that, " his employees took him for a ride and embezzled money from him, and took all of his contacts and clients, and he apparently contacted the authorities, and contacted the Arizona Attorney General 's Office. He told me he would be working hard to get his feet back on the ground and would be paying everyone back that had paid for the services and didn't receive them. He had told me that he had a new staff person, and that she would be assisting him. He also told me that he would make sure my account was credited. I again checked with my CC company, and there was no credit issued. I then contacted my CC Company and started a dispute. I did this on XXXX. Dispute ID # XXXX. This is what Citi Card gave me. I explained what happened and the person I spoke with told me that " this would be alright, as things like this, ie, not receiving what you paid for, and similar cases, would be covered and refunded to the card holder. I continued to check and call as well as sent in further information that Citi Card requested of me. They had sent me an email on XXXX, that they had received everything they had requested. There was a time lag, while I was in XXXX, Minnesota, at the XXXX XXXX, having treatments, and tests, where, I wasn't able to get my mail. I live alone. However, when I did return, and went through my mail, I forwarded everything I had that was communication with this Company. I contacted Citi Card, several times, asking where my replacement money was ; and one of the times I spoke with a XXXX on XXXX, and she told me she would send an expedited request to the dispute department, to act on this case. I then spoke with a XXXX, from Citi Card on XXXX, and requested to be updated as I still hadn't received my money returned to me. This XXXX, told me there was nothing they were going to do. I had asked her about their Company Policy that is 'standard ' that covers a Consumer, from this type of situation, and she said she 'was n't aware of any Policy that Citi Card had like this! ' I was quite upset, and said I would be contacting someone about their failure to practice their standard of not being responsible for a service or product charged to a consumers account that they did not receive. I am contacting the CFPB, after doing some research on how to file a complaint regarding a Credit Card Company.
|
| 06/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage Miles in exchange for opening a CitiGold account by XXXX/XXXX/16, and meeting XXXX other requirements : the required minimum amount {$1000.00} of purchases using the CitibankDebit Card must be posted to the new checking account AND XXXX qualifying bill payment must be posted to the new checking account each month for XXXX consecutive calendar months XXXX AAdvantage Miles equals approximately {$800.00} in travel on XXXX XXXX when redeemed for award travel ( or XXXX domestic round trips ).
After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account.
On XXXX XXXX 2016, I confirmed with Citi that the offer is attached to my account. In the secured message, XXXX XXXX confirmed it by " In review of your account, this promotion is for our targeted Citi credit card members. I can confirm the promotion is attached and I have provided our requirements for XXXX promotion with your online application on XXXX/XXXX/16.
Please keep in mind ; you will not be eligible for this offer if you were a signer on or owner of another Citibank consumer checking account within the last 60 calendar days. If this does not apply to you, please disregard. '' She had confirmed that the offer is attached to my account and as long as I was a signer on or owner of another Citibank consumer checking account within the last 60 calendar days, I would be eligible ( since this is first time I signed up for Citibank 's checking account '' I fulfilled all terms of the offer and contacted Citi to confirm that I had met the requirements on XXXX XXXX 2016. XXXX XXXX from the Citibank confirmed it via secured message stating " Welcome to Citibank, my name is XXXX I will be happy to assist you in regards to the XXXX AA Miles promotions for your Citigold Checking account ending in XXXX After reviewing your account I am showing that the requirements have been fulfilled.
The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 calendar days from the date when you have completed all offer requirements. Bonus miles credited will be based on your account package at the time of disbursement.
On XXXX/XXXX/2016 is when I see the requirements were fulfilled. 90 days from that date will be XXXX/XXXX/2016. '' On XXXX XXXX, 2016, I contacted Citi to re-confirm that I will get the bonus miles as promised by XXXX/XXXX/2016. However, XXXX XXXX from Citibank all the sudden changed their words and said that I am not eligible to get the bonus miles. " Unfortunately, you are not eligible for this AA miles promotion XXXX XXXX XXXX. While Citi does offer AA miles promotions at times, this offer is available only to targeted Citi card members who received the offer via a direct communication from Citi. Our records show you are not a targeted client. '' On XXXX XXXX, 2016, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I met all requirements to receive my bonus.
On XXXX XXXX, 2016, My appeal was denied.
-- -- Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement.
Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
|
| 04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
- XX/XX/2020 I had my credit pulled by a lender in preparation for buying a home. Upon conducting this credit inquiry, my lender informed me that I had a derogatory remark on my credit from a Citi Bank XXXX XXXX Charge Card for a transaction for airfare and billeting that I was not responsible for.
- XX/XX/2020 XXXX : Called Citi Bank XXXX XXXX - Call Duration : 34mins.33secs.
I called Citi Bank to inquire on what this derogatory remark was for. They confirmed my address and stated that they would send me a 1099c. I was not aware of what this document was for, I was just trying to find out how to resolve this issue and they had never sent me any documentation previously.
- XX/XX/2020 XXXX : Called Citi Bank XXXX XXXX - Call Duration : 32mins.35secs.
I called Citi Bank to inquire on what I could do to resolve this as my lender had informed me that a 1099c was similar to filing bankruptcy on a singular basis for one specific debt and results in a derogatory remark on one 's credit.
- XX/XX/2020 XXXX : Called Citi Bank XXXX XXXX - Call duration : 14min.17sec.
I called Citi Bank and asked to speak with the Fraud Department. I told them that I was calling to notify them that I needed help disputing and fixing an inaccurate derogatory remark on my credit. The person I spoke with told me it was my responsibility and they refused to allow to dispute it. I asked to speak with their supervisor and they said they would have a manager call me back within 24-48hrs.
- XX/XX/2020 XXXX I missed a call from the Citi Bank Fraud Department .
- XX/XX/2020 XXXX : Called Citi Bank XXXX XXXX - Call Duration : 8mins.
I called Citi Bank back and spoke with a representative by the name of XXXX. She told me that she would have a Fraud Dept. Manager call me back within the hour.
- XX/XX/2020 XXXX : Citi Bank Called Me XXXX XXXX -Call Duration : 2mins15secs.
Fraud Dept. Rep. XXXX called me back and informed me that the manager would not be calling me back because it was a recovery dept. matter. She then provided me with the Recovery Dept. 's information. XXXX - XX/XX/2020 XXXX : Called Citi Bank - XXXX - Call Duration : 18mins17secs.
I called the Recovery Dept. and spoke to Recovery Dept. Representative XXXX ( sp ) to notify them that I was disputing and needed help removing this inaccurate derogatory remark from my credit history. XXXX was very rude, uncooperative and specifically told me that Citi Bank would not help me resolve this matter. I then asked XXXX for his supervisor and he transferred me to a supervisor named XXXX who claimed his employee number was # XXXX ( which is also conveniently my current home residence apartment number ). XXXX claimed that it was not the correct protocol for me to be contacting Citi Bank regarding this matter and that because they had already sent me the 1099c, I would need to contact the three credit bureaus directly myself. I notified him multiple times that I was formally disputing the responsibility of this fraudulent credit reporting and the resulting derogatory remark. XXXX told me that he would not do anything and would not open an investigation. I asked for his supervisor and he informed me that they would call back within 24-48hrs.
- XX/XX/2020 XXXX : Incoming call - XXXX - Call Duration 33min.34secs.
I spoke with a Mr. XXXX ( Employee ID # XXXX ) who told me that they can not help me because they have already issued a 1099c. He then explained that due to the 1099c it is now a matter with the IRS despite it never having been my financial responsibility to begin with.
|
| 08/03/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
On XXXX XXXX 2017 I went into the XXXX XXXX Best Buy store to buy a laptop for the upcoming school year ( I am starting XXXX XXXX in the fall ). I found the laptop I wanted and went to purchase it. The employee helping me told me there was a promotion going on where I could open a Best Buy Credit Card and pay no interest and no payments for up to 12 months. This was a perfect as I was expecting a stipend in XXXX that would be paying for the computer purchase. So, I opened the credit card and when the card came in the mail I put it in a safe place so that when I was ready to pay in XXXX I would know where it was. Then In XXXX I started receiving phone calls from Best Buy urging me to log in online to look at my account. Yesterday, XXXX XXXX 2017, I logged in and saw that my account was past due. I was shocked because this was contradictory to what the sales person explained as the terms and conditions of this credit card. I clicked to read my " Promotional Balance Details '' and it showed " Minimum payment due {$0.00} '' this was a relief because I had only made this one purchase on my card and it was a Promotional Purchase so it seemed clear that the " Promotional Balance Details '' would be what apply to my account.
I started a chat with a customer service representative to explain the misunderstanding and accidentally closed the window so the chat ended with no resolution. I started a second chat with another customer service representative who continued to repeat to me that my bill was past due and that they were unable to see where I was reading read my " Promotional Balance Details '' and " Minimum payment due {$0.00} ''. I explained that I understood that my account says past due but that I was informed that I would not owe payments or be charged interest for 12-months but the cycle of repetition continued. I asked the representative to have someone call me and they said they were unable to do that but gave me a XXXX number to call myself.
I called the number and was connected to a customer service representative who repeated the same facts to me, my account was past due and they were unable to access my online account to see what i was reading about " Minimum payment due {$0.00} ''. I then asked to be transferred to someone who could access my account online and see what I was reading to explain to me why it says " Minimum payment due {$0.00} '' if thats not true. This customer service represetnative connected me to a technical support representative. I explained my dilemma to this representative who repeated that I owed money and added that they did not have access to my online account details and would not be able to see my online account details ( despite that being the reason I was sent to technical support in the first place ).
I was then connected to another representative who finally admitted that my account does read " Promotional Balance Details '' and " Minimum payment due {$0.00} '' but that my Promotional Balance and Card Balance are not the same thing. This felt very misleading to me as I had only made one purchase on the card and it was a Promotional Purchase. The representative agreed that it was a confusing statement but insisted that I pay the money owed. I expressed how dissatisfied I felt and all she did was apologize. I ended up paying the bill for fear of being reported to collections and ruining my credit but I feel as though Best Buy was misleading in how they advertised the credit card to me and the online account was also misleading by reading read " Minimum payment due {$0.00} ''
|
| 09/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
Older American |
|
After paying balance on my Macy American Express- and being a customer who never had a late payment- I placed a lock on my Macy 's American Express card in XX/XX/2023 to safeguard it while not in use. Also put a lock on my XXXX XXXX card and requests for my credit reports.
XX/XX/2023 I requested a replacement card when I realized my current card had expired XXXX ; and had not received a replacement card. I was told a replacement card would be sent out right a way and to expect in 7-10 business days. I am unable to locate first individual 's name I spoke with- or time called.
XX/XX/2023 @ XXXX I called to check on the replacement credit card that still had not been received. Of course this is also a safety issue! I spoke with XXXX. XXXX confirmed the call of XXXX ; and also confirmed that the replacement credit card had " NEVER BEEN MAILED '' from my call made on XXXX ; and " there was a mail issue. '' He promised to get it mailed out as soon as possible- even promising to " Overnight '' the card due to the delay- no card- no communications- no nothing. XXXX stated I should receive the replacement card from 24 to 48 hrs. and to be on the look out for it.
XX/XX/2023 @ XXXX XXXX Macy 's American Express regarding nonreceipt of replacement credit card. Spoke with XXXX who state she could " see where the replacement credit card had been sent on the XXXX and I should have it. '' XXXX proceeded to tell me that she showed it had been both " sent and delivered on XX/XX/XXXX '' which of course would be impossible ; even if they were local- they're not. Then she kept up my ineptness and told me " to check your mail. '' No replacement credit card.
XX/XX/2023 @ XXXX spent a disheartening amount of time on the phone with phone representative XXXX who was clearly doing her best without really knowing what to say to answer my questions regarding the delay of the replacement credit card- that kept being promised to be sent out??? After several excruciating minutes XXXX shared that my replacement credit card WAS in fact sent out and that I should receive it in 10 to 14 business days!!! Nearly twice as long as what I was originally told at the beginning of XXXX!!! I asked her for both a tracking number and my case number. After being on hold- again- I was given both.
When I asked to speak with " a supervisor or XXXX, '' I was told no manager is available ( of course! ) and " the supervisor is with another customer. '' Of course again. Those call ALWAYS are at least a 30 minutes wait- minimum! This was no exception.
XXXX the SUPERVISOR came on finally and stated she was the one who had given XXXX the case number AND the tracking number for my replacement cards. She had been " coaching her in the background. '' No empathy. No apology for the delay and ATROCIOUS customer service. And absolutely No understanding of customer inconvenience! WOW.
NEITHER the case number or tracking numbers provided were valid. The tracking number went to NO major carrier ; and no where on Macy 's site for a " case number '' And as of this writing STILL have received no replacement credit card.
HOW does that work? Does a company just not send you the card and your account just sits there with available credit but the customer never uses it because they never receive a credit card?
HOW much money does Macy 's LOSE NOT sending customers out their replacement credit cards out timely or at all? That's just ridiculous!!
WHY am I being penalized with this inability to get a replacement credit card when all I've done is be a good customer?????
|
| 01/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I enrolled the Citibank Account Package {$400.00} Checking and Savings Offer of Citibank N. A and the detail as below : " Open a new Checking account and Citi Savings account in Citibank Account Package between XX/XX/XXXX and XX/XX/XXXX.
Within 30 days after account opening, make a deposit of {$15000.00} or more in New-to-Citibank funds into the new eligible checking account or new eligible Citi Savings Account, and maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days following the date when you made the {$15000.00} deposit.
The remaining balance requirement may be deposited into either the eligible Checking Account or eligible Citi Savings Account. '' I opened the checking and saving account on XXXX XXXX. And I transferred {$13000.00} to citi saving account by ACH transfer ( online transfer ) and {$1500.00} by XXXX payment to ciit checking account from my other banking account on XXXX XXXX. Then I transferred the {$1500.00} from citi checking to citi saving the same day which made the balance of {$15000.00}.
I kept the balance at least {$15000.00} till XXXX XXXX, more than sixty ( 60 ) consecutive calendar days.
I even double checked with the citi bank representative on phone call to make sure my balance met the balance requirement just after I made the deposit. And I was confirmed I've done things correctly.
The program said {$400.00} rewards will be sent to me within 90 days after the 60 days of keeping minimum balance of {$15000.00}. XXXX XXXX was the 90th days and I still didn't get the {$400.00}. So I called the bank. They said they would investigate.
On XXXX XXXX, I was advised " Unfortunately, your account does not qualify for this promotion because XXXX Credits are not considered a qualifying deposit. '' I studied on the promo program, no conditions on how the deposit made and I checked with the bank representative just when I made the deposit and was advised my balance meeting their requirement. But now they tells me that I am not qualified after 5 months when I opened the accounts.
I am complaining about 1 ) XXXX credit is the real money that I transferred from my banking account in other banks. The money was deposited to the citi bank account and money is there. XXXX payment is just the alternative way of online transfer or check deposits. I see no reason why the XXXX credit doesn't account. If Inot, I should be alerted when I check with the bank representative on the phone call at the very beginning. Moreover, I transferred this amount ( XXXX ) from checking to saving account right away online which is an online transfer. In this sense, I made my saving account balance of {$15000.00} all by online transfers. Now matter what, the deposit is qualified.
2 ) the {$400.00} rewards should be sent to me within 90 days after the 60 days requirements met according to the terms and conditions. First, per my understanding, the XXXX days should be the latest day to get the money automatically. But the bank did not. Second, they advised if the accounts are closed during the 90 days waiting for the rewards, I will not get the {$400.00} which means they force the consumer to keep the account open for another 90 days ; Third, during the 90 days, if I didn't keep the minimum of {$10000.00} in the account, I will be charged for a service fee every month. So this whole promo program seems a fraud to me : they forced you to keep {$15000.00} for 60 days and {$10000.00} for another 90 days to get {$400.00}. When you endure all this, they just told you you are not qualified.
|
| 04/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I had a six-month zero interest on purchases promotion through my Citi Diamond Preferred Master Card. I also had a XXXX XXXX program balance through this account. On XX/XX/2021, I went online to pay my monthly payment, and the site presented several options for amounts. I selected to pay {$1400.00} because the site indicated that would be applied as follows ( quoting precise text/copy from the website here ) Remaining Adjusted New Balance + Flex Plan Monthly Payment This is the remaining amount owed to satisfy your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include XXXX XXXX payments due in future months.
This indicated to me that I would be paying off the purchase promotional balance plus my regular Flex Plan required payment ( normally {$450.00} ).
Additionally, the printed statement states : Minimum Interest Charge. If we charge interest, it will be at least {$0.00}.
How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your monthly Citi Flex Plan Payment Amount ( if any ) plus your New Balance, excluding any Citi Flex Plan balances, by the due date each month.
If you do not pay your monthly Citi Flex Plan Payment Amount plus your New Balance, excluding any Citi Flex Plan balances, by the due date each month, you will pay interest on your purchases from the date theyre posted to your account until you pay such amount in full for two billing periods in a row. We will begin charging interest on cash advances and balance transfers on the transaction date. We will begin charging interest on a Citi Flex Plan balance at the start of the billing cycle following the billing cycle during which you created the Citi Flex Plan.
Again, I selected to pay the {$1400.00} amount on XX/XX/XXXX because the website indicated I would satisfy your monthly Flex Plan Payment Amount and the non-Flex Plan portion of my last statement balance. I knew that I needed to pay off purchases before the zero percent interest promotion ended, and that's what I was left with the impression I had done by making such a large payment. I later in the month made an additional payment of {$850.00}.
On XX/XX/2021, Citi moved {$920.00} from " Promotional Purchase '' to " Standard Purchase. '' So, they are now attempting to collect standard interest on the {$920.00} and didn't pay it off as they indicated they would when I paid {$1400.00} on XX/XX/XXXX. I called today to dispute the way the payment broke down and was applied, speaking to two separate customer service reps, neither of whom would help me adjust the way the previous payment was applied. One of the reps told me that I needed to submit a screenshot of the text that their website showed me on XX/XX/XXXX indicating a payment of {$1400.00} would satisfy your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. I guess I'll hop in my time machine and go back to get that.
The printed statement that I received at the end of XXXX ( attached ) DOES indicate that my purchase balance was XXXX. So at some point they DID apply the payment breakdown as they indicated they would and showed that I did in fact pay off the purchases balance. But on XX/XX/2021 they went into my Flex Loan account and moved {$920.00} into a purchase balance so they could start to collect regular purchase interest on it. Unbelievable.
|
| 10/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I booked XXXX # XXXX through XXXX on XX/XX/XXXX. I purchased airfare for {$2200.00} for XXXX XXXX XXXX and {$2200.00} for XXXX XXXX XXXX on my Citicard through XXXX which went to XXXX ( XXXX the airline ) for a trip to XXXX leaving XX/XX/XXXX and returning XX/XX/XXXX XXXX # XXXX & XXXX ( credit back through Citibank on XXXX statement ) On XX/XX/XXXX I received an email through XXXX ( XXXX ) that due to the Coronavirus Covid-19 all their flights were cancelled from XX/XX/XXXX through XX/XX/XXXX ( see email attached ).
And that they would give me a voucher for a later date. I responded ( see email attached ) that I did not want a voucher I wanted to credited back on my credit card. We were going to see my daughter in XXXX for XXXX and we would need to book on another airline if they were not going to be flying. They credited us back in total for my sons ticket which was purchased on another credit card and booked with them directly. They said that me and my husbands tickets needed to be credited back by XXXX and to reach out to XXXX. Even though the credit card charge went directly to XXXX.
I repeatedly have called and reached out to XXXX. During this time from XX/XX/XXXX through the trip date and after that date. The XXXX site said at that time due to the high volume of calls etc.. you can only reach out to them within 24 hours of your trip which I did. I called and submitted the form regarding the itinerary which is what XXXX says to do. I have repeatedly submitted this form online regarding the airfare that was cancelled by XXXX and that it needs to be cancelled through XXXX and refunded to me. I have never been able to get anyone on the phone. I only get the automated person who tells me when I put in the itinerary number that the trip was cancelled. On XX/XX/XXXX I received an email from XXXX saying the flight home was cancelled on XX/XX/XXXX ( see attached This was the first time XXXX reached out to us regarding the cancelled flights even though XXXX had reached out to us on XXXX ) and that we have been put on a random flight from XXXX to Arizona on XX/XX/XXXX. I repeatedly reached out to XXXX and again can not get anyone on the phone. I have submitted the online form multiple times and no one has gotten back to me. It also says I cant contact them until 10 days before my trip If I go onto my account on XXXX. The trip now shows that its from XX/XX/XXXX through XX/XX/XXXX confirmed Itinerary # XXXX and its a one way flight from XXXX to XXXX on XX/XX/XXXX. I still can not get anyone on the phone to straighten this out. Also, I submit the online form again to cancel this.
These are the reasons I reached out to Citibank to handle this dispute. Citibank ended up fighting the disputes and I was credited back for one of the tickets. I immediately called and was told they were still handling the other one and that is why I had not been credited back. I continually called and each time was told they were still fighting it, weekly I called. I asked if they needed any additional paperwork or if they wanted me to resend the paperwork I had submitted to them. Each time I was told no, this went on for months. I was just told today XX/XX/XXXX that they closed the dispute because I never submitted the paperwork. Even though I have called repeatedly since I sent the paperwork in and each time was told they had it and was working on it. They will not help me with this at all and have closed the case. I could have easily re-sent the paperwork in months ago. I am now completely out {$2200.00} XXXX XXXX XXXX XXXX
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| 05/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I wrote you back on XX/XX/XXXX and asked you for help on a matter with CitiMortgage. Case XXXX. At that time you sent the complaint Over to Citi and they responded with a letter and about 60 pages of paperwork.
After getting the papers and sitting down with a attorney i was advised to re file my complaint with you and forward it to the D.O.J And the U.S Department of Housing and Urban Development and the Attorney General Senior Counsel City of XXXX XXXX State of CA.
The paperwork i Received from CitiMortgage was so Doctored up and so one sided in CitiMortgage favor.
My Claim is CitiMortgage was a were of the acts of fraud on my Mortgage account.
I also believe CitiMortgage did not do There Due Diligence on gathering the paperwork needed on the last complaint i filed, only receiving 60 pages plus when in fact there should be over one thousand documents if not more, And with those documents i can show, Fraudulent loan modifications papers while in CitiMortgage contral.
I can show forged signatures on my loan documents.
I can show a fake notarized loan modification document.
And the list goes on and on.
I can show that when CitiMortgage said they called me and they said i never answered there calls, ''WRONG '' I have over 200 phone records showing the dates and times of phone calls i made to CitiMortgage.
I have over 500 faxis that was sent to CitiMortgage showing i sent Documents that they required over and over again.but CitiMortgage claims they never got them, I had phone calls emails and letters from CitiMortgage employees telling me When to File Bankruptcy and when to close it out because i had my loan modification approved. " " LIES '' '' I have loan Deferment letters from CitiMortgage that said i was approved to put the past due amount on the back of the loan. Then when i sent them back with a payment CitiMortgage sent them back to me with the pay off date changes.
The most resent problem just took place a few weeks ago i was working with a CitiMortgage employee XXXX XXXX XXXX XXXX XXXX XXXX XXXX From the Executive unit she informed me of all the wrongdoing on my account and told me the foreclosure will be on hold until we can resolve the fraud.
Then a week latter i am sending her emails and they are being returned to me so i call to set up a phone appointment for her to call me back well she missed 3 of those call backs so i called again and i find out she is no longer working with CitiMortgage.
Then a few days latter i find out the foreclosure is reset for XX/XX/XXXX Then i found out after making many calls i got a new worker to help me.
So i sent this guy all the paperwork for a loan modification. he takes it and tells me he would put the forecloser sale on hold until after underwriting looks at everything. well one day latter he calls me and told me my loan mod was deniaed and the foreclosure is now set for XX/XX/XXXX he told me that i had 30 days to appeal it.
As of today i still have not received any loan mod denial letter and any documents i have asked for to appeal so on XX/XX/XXXX i e mailed the new guy and asked for him give me 15 more days so i can get the loan mod denial and other paperwork needed.
He told me underwriting said no.
Now i have a foreclosure set for 7 days from now i still have not received one piece of paperwork from the new guy but here told me he request it and i should have it any day now.
CitiMortgage needs to be held accountable for all the wrong doing on my account..
CitiMortgage needs to be held accountable for the forecloser misconduct on my account.
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| 08/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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I made a transaction with XXXX XXXX XXXX for a XXXX that was scheduled for XX/XX/2022. On XX/XX/XXXX they changed the XXXX XXXX XXXX and the doctor that I initially requested, was assigned, and paid for. At that time I told them that I did not want the surgeon that they assigned to me due to that doctor being involved in a death of a patient of his last year, the doctor that they assigned to me AFTER I paid was also not board certified. I then expressed that I wanted a refund and would not be following through with the XXXX since the doctor that I requested, the XXXX center that I agreed to, could not be assigned and made available to me.
On the morning of XX/XX/XXXX I logged into the patient portal where I am required to put through the paper work for a request of refund as stated in the payment agreement that I signed and that was sent in to my credit card company. On XX/XX/XXXX I no longer had access to my patient portal as Id had on XX/XX/XXXX. Effectively denying me the access to file for a refund as stated in the merchant paperwork that I signed. I no longer have access to my records or documents because I have been denied access to the patient portal. Multiple attempts to resolve the issue with the merchant went unresolved and unanswered.
I then filed a dispute with my credit card companies based on the fact that XXXX took my money and refused to attempt to resolve this issue with me. My credit card companies have then come back to me stating that I need to show that I attempted to cancel with the merchant XXXX XXXX XXXX. I then sent in text messages and emails and my claim was denied because they said that they could not accept electronic communications as proof.
The merchant is in XXXX Fl and I live in XXXX, DE with that being said all of our communications are electronic and uploaded onto a portal that the merchant controls and has now restricted my access to documents away from me. I have no way of providing the information that my credit card company is requesting, however the merchant has my money, has not provided the agreed upon services with the provider that I chose and the merchant has stopped communicating with me. The merchant has my money and has not provided services, which constitutes fraud. Because my credit card company has upheld that they will not accept electronic documentation that XXXX was not performed, that the XXXX XXXX was changed to an entirely different company, the doctor was changed all without my permission or knowledge, and allowing avana to still keep my money my credit card company has essentially become a party to the fraudulent practices of XXXX XXXX XXXX. I AM A VICTIM OF FRAUD. Selling a person something and then changing what you give them after payment is fraud and that is what happened in this case. XXXX sold me a XXXX XXXX with a board certified plastic surgeon and after payment they gave me a non board certified XXXX that had taken a XXXX XXXX weekend zoom class performing XXXX in a storefront!!!
This situation has caused my credit score to plummet, it has caused me stress because I can not afford to pay for this XXXX and not have had the XXXX. I am a single mother. I thought having a slicker appearance would help me in my career. I have lost time dealing with this situation through calls, emails, texts, etc. I am paying high interest on a credit card balance that is not my true balance, late fees.
The documentation that XXXX sent in literally has the cancellation policy written in the terms, but Citibank never bothered to read the document.
|
| 11/08/2016 |
Yes |
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Web |
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I purchased a refrigerator from Sears and the unit malfunctioned. Per the below rundown, I requested return of the refrigerator well within Sears-specified policy but was stonewalled ( the claim is not each request I made was not documented by the Sears phone agent ) until the 30-day return period was expended. Then, the 30-day return policy was quoted as reason of the non-return. Sears then refused to refund. Because of Sears ' dishonesty, the refrigerator was in my house when the flood disaster struck. I am now being compelled to pay Sears credit for the non-existent refrigerator. Please help.
Date : XX/XX/XXXX Account : XXXX Account Holder : XXXX XXXX XXXX Rundown of ( some of the ) Customer XXXX XXXX XXXX Interactions with Sears, on this matter : XX/XX/XXXX : Ordered/Purchased Refrigerator.
XX/XX/XXXX : Delivery promised but delayed.
XX/XX/XXXX : Delivery made ; client and driver found damage. Driver instructed customer to call Customer Service.
XX/XX/XXXX : Called Sears Delivery Service and was promised {$250.00} credit for damage.
XX/XX/XXXX : Temperature control failed after odd noise. Worked after being reset.
XX/XX/XXXX : Received e-mail ( see below ) from Sears Customer Solutions confirming offer of {$250.00} credit.
XX/XX/XXXX : Temperature control failed after odd noise. Worked after several resets.
XX/XX/XXXX : Called delivery team at XXXX for the credit offered, as instructed in e-mail. " XXXX '' stated that the record shows {$250.00} credit was offered on XX/XX/XXXX, and that the credit was processed on the same day. Promised that the credit would be posted that weekend when informed the credit had not yet been posted. XXXX asked for my Sears Credit Card number gave additional credit for scratches on the freezer door.
XX/XX/XXXX : Temperature control failed, again.
XX/XX/XXXX-XX/XX/XXXX : Called Customer Service and requested return of refrigerator. I told the agent that I wanted this " Junk '' out of my house and returned to the store. I was promised that my request would be documented and that I would receive a return phone call about the return. No return calls or confirmations were provided, as promised by the agents.
XX/XX/XXXX : Logged into Sears Credit page but system would not allow send of message. I was told by a phone agent that problem was a mystery and did not show my log-on attempts. Informed to wait.
XX/XX/XXXX : Refrigerator making odd noises, 4 times during the day.
XX/XX/XXXX : Attempts to log-in to Sears Credit met recurring errors. Would not allow me to send a message.
XX/XX/XXXX : Finally able to log-in to Sears with and sent message after having agent make new account page for me.
XX/XX/XXXX : Called store and spoke with XXXX, salesperson from whom we purchased the refrigerator. Related the above and requested help returning the refrigerator. She promised to call us back after speaking the manager. No return call was made.
XX/XX/XXXX : Called store and asked for XXXX, who was not in. Asked for manager, and provided phone for return call.
XX/XX/XXXX : Appliance Manager, XXXX XXXX, returned call and informed me that he could not help me.
XX/XX/XXXX : Spoke with Night Store Manager, XXXX. She will see what she can do and call-back, by noon, tomorrow.
Subsequently, I visited the store and spoke directly to the Appliance Manager, XXXX XXXX. After intentionally obtuse responses ( e.g., we gave you a credit for damage ), he finally came clean and told me that he 's sorry but Sears has his hands tied - - he could not correct the wrong even if he wanted to.
|
| 04/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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To whom it may concern, I have been going through this for well over 4 yrs now THE TIME HAS COME I MAY LOSE MY HOME .i HAVE FILE SEVERAL BANKRUPTCY. TO TRY AND SAVE MY HOME NEED HELP. I WAS WITH XXXX XXXX with new Jersey XXXX XXXX HAS REACH OUT TO SEVERAL PEOPLE WITH CITIBANK ON MY BEHALF TO HAVE GOTTEN NO WHERE PLEASE HELP ME I HAVE COPY THE EMAIL THAT WAS SEND YESTERDAY XXXX/XXXX/XXXX .I MODIFIED THE MORTGAGE IN XXXX XXXX WAS PLACE TO THE END OF MY LOAN FOR PAST DUE TAXES CITY OF XXXX NEVER RECEIVED PAYMENT FOR TAXES PROPERTY TAXES WERE SOLD LIEN HOLDER IS FORECLOSING ON ME .I WAS WORKING WITH XXXX XXXX IN CITY TAX DEPARTMENT IN XXXX SHE SAID XXXX CHECKS WERE GOING TO BE MAILED TO XXXX FOR XXXX AGAIN XXXX NEVER RECEIVED SO I WAS AGAIN N FORCE INTO A BK TO TRY AND SAVE MY HOME NO GOOD PLEASE HELP XXXX XXXX XXXX XXXX XXXXFrom : XXXX XXXX [ XXXX : XXXXXXXXXXXX ] Sent : Monday, XXXX XXXX, XXXX XXXX XXXX To : XXXX, XXXX XXXX [ XXXX ] Subject : XXXX XXXX Acccount # XXXX ( Non-Payment of {$60000.00} in Taxes ) Good Morning XXXX, I am writing to you at your request about what has transpired this morning with CITI.
I call Customer Service and was told that they could not speak to me as the client had done a bankruptcy and so I was transferred to the bankruptcy department and given the phone number of XXXX, in case I was disconnected. I spoke to XXXX and she tried to research why XXXX was not paid to the City of XXXX and it was clearly included in this client 's modification dated XXXX/XXXX/XXXX. ( See attachment of modification ) She told me that the taxes were not paid and then after about one hour on the phone I was disconnected from her.
I called back and began speaking with XXXX, who also read XXXX 's notes and tried to get me an answer, but she had to transfer me to XXXX in the Tax Department ; however, he could not answer my question of why the taxes were not paid and transfer me to XXXX, who was another rep in the Customer Service department. XXXX then requested that I contact XXXX, which is Loss Mitigation department. Everyone is passing off the responsibility, so I reached out to you in a last ditch attempt to get this issue resolved for the client.
The client had been advised to file for bankruptcy to try to save the home from foreclosure due to this tax lien and now that Stay has been lifted. ( See legal documents of tax lien and Stay being lifted attached ) The property located at XXXX XXXX XXXX, XXXX, NJ XXXX has been foreclosed upon by the City of XXXX for non-payment of that {$60000.00} due to CITI never paying that amount and now CITI will lose this property due to this tax lien.
The client has also tried to work with XXXX XXXX, XXXX XXXX? And XXXX XXXX and nothing was ever resolved.
Thanks, XXXX XXXX XXXX XXXX New Jersey Citizen Action XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Fax XXXX XXXX Logo Primary Lock Up cid : XXXXXXXXXXXX XXXX XXXX ( XXXX ) This e-mail including any attachment ( s ) is intended only for the use of the individual or entity to which it is addressed, and may contain information that is privileged, confidential, and/or exempt from disclosure under applicable law. If the reader of this message is not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this message is strictly prohibited. If received in error, please notify the sender immediately by return e-mail and delete/destroy the message and any copies thereof.
oup i dont want to lose my home i have no where to go something is wrong please help me
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| 01/30/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Please help. I've not yet received the {$700.00} Citi Priority Package new account bonus despite having met all requirements. The bonus should have already been credited per the banks promotional terms. Ive spent hours on the phone with Citi & received verbal confirmation that the bonus should have been posted, but I have yet to see it ACTUALLY posted. I want the {$700.00} bonus posted immediately and a {$200.00} courtesy credit for all the time Ive spent chasing this incompetent bank.
I opened Citi Priority Package checking & savings accounts on XX/XX/XXXX and immediately funded {$25.00} to the checking & {$50000.00} to the savings accounts. I held the {$25.00} & {$50000.00} in both accounts for more than the required 60 day holding period through XX/XX/XXXX. In fact. all the money is still on deposit as of today, XX/XX/XXXX.
On XX/XX/XXXX, after having already met the 60 day requirement, I called & spoke to a Citi Priority banker named XXXX. I asked : a ) if he could confirm I met the bonus requirements, b ) if I could convert the existing savings account to a Citi " Accelerate '' savings account to obtain a slightly higher interest rate, and c ) if he could confirm that doing so would not jeopardize my bonus.
XXXX told me : a ) I had met the requirements to receive the {$700.00} bonus, b ) the {$700.00} would be awarded to my checking account within 90 days of XX/XX/XXXX and so I should receive it no later than XX/XX/XXXX, and c ) he confirmed I was eligible to convert the savings account to an Accelerate account and this would not jeopardize my {$700.00} bonus as I had already met the requirements. He said I simply had to wait and the bonus would automatically be credited on or before XX/XX/XXXX.
Today, XX/XX/XXXX, I spent over two hours on the phone with various members of Citi Bank 's customer service department, being passed around from one person to another. My calls were dropped on 2 occasions and I had to start all over again. The connection quality was horrible and some of the reps spoke barely understandable English. This is supposed to be a " Priority '' service account which carries a high $ XXXX monthly fee and high balance requirements to avoid such. Where is the Priority service? Where is any service? It is unacceptable I have to track down the bank to honor the bonus, spend two hours of my time on the phone, and ultimately be told theyll take up to 4 weeks to research it further!! It should in fact take 5 minutes for them to pull up my account, see I met the requirements, and post my bonus.
I was also advised not to remove any money or close my account until they investigate. So in addition to wasting my time, Citi is " trapping '' my money for an additional period of time until they rectify this.
Based on similar online complaints, it seems this is a common issue with Citi Bank. Shouldnt the bank should be investigated and fined for such practices?
BOTTOM LINE : I should immediately receive the {$700.00} bonus and no less than a {$200.00} goodwill credit for the bank : a ) defaulting on its obligation, b ) wasting my valuable time with incompetent customer service personnel, and c ) effectively " trapping '' my money until this is resolved.
Theres no doubt if this was a credit card account where I was late in meeting my obligation, the bank would be charging exorbitant interest, late fees and penalties. Therefore, my request is more than fair.
If this is not resolved to my immediate satisfaction as above, I am willing to be a lead plaintiff in a class action lawsuit.
|
| 06/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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I remember when the APR 's on my credit cards were all less than 10 %. Granted that was a long time ago, - before the establishment of the CFPB. I also remember during the Great Recession after the Banking Reform Act was passed, that fees for late payments and insufficient funds at my credit union were less than {$10.00} per incident and had limitations as to how many times in one business day a consumer could be fined. Over the years, all of those fees have crept back up to the inflated absurd levels typical of banks and credit unions today.
So, my complaint is not really about a particular incident, but is a general complaint that credit card interest rates are crazy absurdly high -- when the Fed rate is at zero. Now that my business is vastly diminished due to a global pandemic, I called customer service for each of my three credit cards ( XXXX XXXX XXXX card, XXXX MC card, and Citi Diamond Preferred MC card ) asking for a reduction in the APRs, which are at 21 %, 18 %, and 20 % respectively, -- and was simply told " no ''. Made a second round of calls, explaining that I was close to my credit limits due to having to use them to pay rent, buy food, and pay bills, and I asked to speak with managers.
Given that all three institutions have public statements about helping clients, I don't think my request was entirely beyond reason. Even one or two percentage points for a temporary period of time would have assuaged my anger, but I was not even offered a review, a " maybe '', or " let us get back to you ''. One card offered to enroll me in a " special program '' specially designed to help customers get through the pandemic. There was the reading of the small print, and the do-you-understand-your-responsibilities as if I was signing my life away ... and all their vaunted special program did was cancel the late payment fee. Nothing more. I have had all three cards since XXXX, XXXX, and XXXX respectively and maybe a dozen late payments between the three over all these years ... until recently. The penalty now for a late payment is a hike in your APR -- in addition to the {$25.00} or {$30.00} late fee -- with no consideration at all for previous early payments, double payments, or even having no balance at all.
These policies have nothing to do with discipline, customer responsibilities, or incentives because I have reviewed much research on this issue prior to breaking with my credit union in XXXX. They are simply trying to maximize their profits with policies that they can get away with now that regulating bank practices is less of a political priority.
My credit score has always been well above XXXX, I have paid off mortgages, student loans, credit cards that I thought were rip-offs, a truck ; I have never been evicted, never failed to pay rent ( even if I had to use a credit card to do so ), never any legal problems, never lost my driver 's license ; I have paid all my taxes, and have generally been financially responsible -- but now when I have had to use my credit cards under duress, I am finding myself in a hole that seemed manageable at first ... and yet turned out to have quicksand at the bottom.
These absurdly high APR 's are predatory, as are the policies around late fees, penalties, stonewalling clients like me who are asking for APR reductions, and are inconsistent with their public narrative of " helping '' their clients or consumers during the Covid-19 pandemic. Please do your jobs and rein in these abusive banking practices, before so much more damage is done.
Sincerely, XXXX XXXX
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| 09/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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On XXXX XXXX I applied for an accepted credit card through Citi Bank application ID : XXXX and was wrongfully denied. According to Citi Bank the reason I was denied was because " too many recent credit inquiries on your credit bureau report '' this statement is unclear and doesn't provide specific information as to why I the consumer am being denied under the Equal Credit Opportunity Act 15 U.S.C. 1691 ( d ) ( 3 ) as this was not a specific reason because they didn't tell me the specific " inquiries '' they claim are on my consumer report. On the letter Citi Bank further states " our decision was based in whole or in part on information on a report from the following consumer reporting agency : XXXX '' so they based their decision off a consumer report from XXXX?, Citi Bank further states that XXXX played no part in the decision even though they provided the information. How they had nothing to do with my denial yet you obtained my information from XXXX and used it against me? Citi Bank sent me a generated response to the Adverse Action taken against me and I don't accept this response due to the fact that it is false, misleading, inaccurate and confusing.
The response is false because I have no " inquiries '' on my consumer report being furnished by XXXX. It is misleading because Citi Bank is attempting to create a false sense that I do not qualify for my right to extend credit. It is inaccurate because there are no " inquiries '' on my XXXX report so what is " too many inquiries ''?. I am confused due to the contradicting response I have received from Citi Bank and as an applicant I am being discriminated against 15 U.S.C. 1691 ( a ).
I for a fact know that there is no valid or specific reason to why I am being treated less favorably than other applicants due to the fact that I did not find any rule or stipulation that states Citi Bank can deny my application due to " too many inquiries '' especially when there are no inquiries.
I also can't seem to understand how or why I would be treated this way as I am in fact the Original Creditor 15 U.S.C. 1602 ( g ) using my credit card 15 U.S.C. 1602 ( l ) to extend credit to Citi Bank in order to create an accepted credit card 15 U.S.C. 1602 ( m ). How can you place a deny me for something that doesn't belong to you and you didn't create?
besides credit is a right granted 15 U.S.C. 1602 ( f ) not a privilege or benefit that Citi Bank gets to administer with no regard to federal law.
This is a clear case of discrimination according to 15 U.S.C. 1691 ( a ) as I am not being considered as an applicant for exercising my rights under the consumer credit protection Act. This misconduct has caused me to be restricted in my everyday activities and being able to properly provide and take care of my family in this Hyper-inflationary period. This situation has also caused me to lose faith in Citi Banks ability as a financial institution and made me realize that no matter how dependent these financial institutions are on the American consumer they ultimately just use you for a transaction and throw you in the trash like waste, until they need us for bailouts.
I write this in hope that my concerns are taken seriously, respected and addressed. I hope to amend our relationship and correct the previous mistakes and errors committed against me the consumer.
Attached is the letter of denial received from Citi Bank, a letter that was sent demanding a reconsideration and a copy of my XXXX consumer report further proving that there are no " inquiries '' on my report.
|
| 12/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
Older American |
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I am filing this claim out of shear frustration over Citicard taking away {$1600.00} in dividend dollars I had earned because of inactivity on my account for XXXX year according to Citicard. They removed ( expired ) them on XX/XX/XXXX as shown on page XXXX of my XX/XX/XXXX statement ( attached ). I immediately called their customer service support when I received my statement on XX/XX/XXXX only to get a customer service area that appeared to be outsourced to an overseas company. I had difficulty understanding the rep and they really didn't grasp my situation. I attempted to explain that I never received any notice that my dividend dollars were going to expire on XX/XX/XXXX on my account. Furthermore, my XX/XX/XXXX statement ( attached ) on page XXXX indicated my dividend balance was {$1600.00} and on the same page it reflected a charge for {$43.00} that is automatically charged for antivirus software every year as reflected on my XX/XX/XXXX statement ( attached ) on page XXXX as well. All the rep did was to read me a script stating how sorry they were for the inconvenience and there was nothing they could do. I went on to explain that I have had this card since XXXX and didn't use the card as much since XXXX moved their card to Citicard that I also use heavily for my purchases because the rewards are better than the dividend card. Again, I was read the same script so I requested to speak to a supervisor in the XXXX in hopes that they would look up my account history and see how much I spent on the card to accumulate that much in dividend dollars as well as my XXXX card history.. I was transferred to a XXXX customer service XXXX and got a recording and I left my number for a call back. On XX/XX/XXXX I received a call from a supervisor in Florida named XXXX ( she would only give me her first name ) and told her my tale of woe on how I was going to use the cash rewards for XXXX presents for my family., I further explained how devastated I was that this was done during this pandemic and that I did have activity on my card and never received any notice the cash rewards would expire on XX/XX/XXXX. She was very pleasant but told me their was nothing she could but would file a claim on my behalf. I asked if she could provide me with a phone number to the area making the final decision but she said she can't do that. I can't do that seems to be the montra for all Citicard customer service areas. Even though each area informed me that I lost the rewards due to card inactivity for a year, why they could not see the activity I saw on my statement is beyond me. Then, low and behold I received the form letter ( attached ) that states that according to the terms of the cash rewards program ( did I receive XXXX years ago or when? ) cash rewards expire after 12 months if they are not redeemed and unfortunately they are unable to replace expired cash rewards. Well, this was a new twist. My last ditch effort to get someone at Citicard to really look at my case I called the number on the form letter. I won't bore you with all the details about the discussion but they were consistent with their lack of concern for customer issues and the amount of money I lost I was told they were sorry for any inconvenience but we can't replace expired cash rewards. Please do whatever it takes to help me get back what I earned and not let companies like Citicard ( Citibank ) do this to people and hide behind pages and pages of terms and just do the right thing and notify customers they need to act before their rewards expire.
Thank you.
|
| 06/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
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Web |
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SInce XXXX when CitiMortgage suddenly changed their flood and hazard coverage requirements, I have been fighting them over the fact there is no good reason, and they were never able to give me XXXX. Every year we got threatening letters about them force placing the additional insurance. Rather than risking issues with our credit or any other problems we did n't need, we would reluctantly obtain the additional insurance. Each year I would google the topic and hope to find something about the practice and the fact it is suspect. Last year I was thrilled to find that a Lawsuit was filed again them for this exact issue. I researched and then inquired about joining the class action lawsuit. We joined the lawsuit and were given a claim number and submitted the paperwork by the deadline and waited. The next thing I know, we are again getting letters from the bank that not only are they force placing additional flood insurance, but they are also now withholding escrow money to cover the insurance for the following year! Literally, continuing to do EXACTLY what they are being sued for. I could not get any answers through the Citi claims administrator XXXX phone, fax, email all repeatedly ignored ), or the CitiMortgage insurance department, who claim they need to receive their instructions from the administrator, and finally even the attorneys office who was representing the people, could not seem to get me an answer as to why not only were they continuing this practice on our account, but what happened to fulfilling the settlement terms of the lawsuit with the claimants? We were never contacted to say we were not part of the lawsuit and had been waiting to see what was next. We were not seeking monetary compensation for the years in question that we were made to buy additional insurance but we did expect them to fulfill the rest of the terms which included not requiring the GREATER of the XXXX insurance amounts. The Federal regulations dictate that you are required to carry flood/hazard insurance to cover the replacement cost value of your home OR your mortgage balance, whichever is LESS. In 2010 Citi changed those requirements to having to carry it in the amount that was GREATER. I think part of the lawsuit insinuates that they had a financial interest in the insurance provider they were using to obtain these additional policies. I have still not been told why we are not qualified as part of this lawsuit, after receiving a claimant number and everything. More importantly though they have now force placed the additional insurance because I refused to increase it while I was awaiting the settlement to take effect. Had anyone informed us we were not being included, I never would have let them take out the insurance, nor would I have allowed them to start an escrow account, when we never had XXXX before. How could they now be allowing only the customers that got wind of the lawsuit, to be exempt from carrying the additional insurance, and remain able to require the rest of their mortgage customers to abide by the other rules? It hardly seems fair or legal. Especially when we have consistently fought them on it, thought we finally were getting relief from it, and instead have months worth of extra headache and paper, with no real clearcut answer. Yet I imagine the minute we refuse to pay the additional money, we will hear from plenty of people. I am at ropes end now with them. Absolutely unacceptable, especially after they just had to settle a lawsuit basically confirming all this. I do n't know what to do anymore.
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| 05/30/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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XXXX XXXX XXXX was a division of CitiGroup as indicated by their statement in my XX/XX/XXXX XXXX Rpt # XXXX : " Account has been transferred to Another Office. " On page XXXX of the XXXX page Consolidated Note Rpt. issued by CitiMortgage , Inc. on XXXX XXXX, XXXX, the Escrow balance upon merging with XXXX servicer XXXX, was positive in the amt of {$1500.00} until CMI paid the Citation premium in full on XX/XX/XXXX for {$930.00}. Citation Hazard Insurance, through my XXXX membership, ran from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. We switched over to XXXX XXXX on XXXX XXXX XXXX.
From the point that CMI assumed responsibility for this account, the escrow account does not add up correctly and Sec. 10 of RESPA was routinely violated.
1. All but XXXX of the regular mortgage payments we issued from XXXX XXXX through XXXX XXXX, XXXX have disappeared. They have never been credited to our account.
2. On XXXX XXXX, XXXX a disbursement for {$3600.00} was made by CitiMortgage from this account and added to the principal balance, which had just been modified by a HAMP @ {$210000.00} to an unidentified payee for an undisclosed purpose.
In XXXX XXXX when HAMP deposited the mortgagor 's incentive of {$830.00}, CitiMortgage did not reduce our principal, their interest or otherwise credit our account with our incentive under the rules of HAMP.
Furthermore, when we attempted to Cure our Default in XXXX by remitting the missed payments, according to the original note, whose terms can not be changed by any subsequent document other than length of repayment & interest charged ; CitiMortgage , Inc. was responsible to refund us our money for they were not applied to the account and there were no expenses or fees borne by CitiMortgage , Inc. to process the HAMP. They have kept our money.
3. CitiMortgage , Inc. has misrepresented our payments to XXXX on more than once occasion and this is why we stopped making payments after the XXXX XXXX mortgage and sought to have the Ch. XXXX Dismissed which was approved on XXXX/XXXX/XXXX.
4. We also attempted on XXXX occasions to return the XXXX XXXX Hazard Insurance Premium they had paid despite being made aware that we had changed HomeOwner Insurance companies two months before that payment issued. When we returned it to them, making our XXXX XXXX XXXX aware and requesting she apprise the Escrow Dept. in advance so they did n't mistake it for a regular mortgage payment, the Escrow dept did in fact send it back so that they could continue to assess XXXX interest on the non-reimbursed escrow distributions made on behalf of this account.
CitiMortgage, Inc. XXXX , XXXX et al were all aware of the incomplete transfer of this home to us : the spouse issued XXXX QC 's to his wife in XXXX XXXX thereby nullifying his QC ; XXXX XXXX XXXX signature appears on a number of the sale/transfer documents, not the least of which are the Purchase & Sale Agreement and Rider to the XXXX. We suspect that the XXXX 's or their counsel may have been the recipient of the {$3600.00} no one @ Citi can provide information about.
At last, Citi claims they do not have the records from XXXX to XXXX : If that 's the case, how did they arrive at a beginning balance for the Principal? They have refused to produce it for us. There was a material error made in processing the allocation of the mortgage payment, wherein the Interest amount was placed in the Principal column and vice versa, such that the balance of the principal was more like $ XXXX when XXXX assumed servicing not $ XXXX as is reflected in Citi 's records.
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| 02/10/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Citibank - Citigold Checking Account Promotion CASE Dispute # XXXX I was enticed to avail a promotion of Citibank branch located at XXXX XXXX XXXX XXXX. XXXX, CA XXXX. The promotion is you earned {$600.00} bonus if you open an account for {$50000.00} and maintained the same balance for at least 90 days. It was XXXX XXXX an account officer of Citibank in XXXX, CA who explained to me the details of the Promotion.
I was asking for the promotion code from the account officer but was told that she would just put a notice of the promotion on the reference or note field in their computer system.
I opened the Citigold Account on XX/XX/XXXX and trusted XXXX XXXX of Citibank XXXX, CA branch regarding the promotion of {$600.00} bonus after maintaining {$50000.00} for at least 90 days even there is no promotion code and just a notation on their computer system. I went out of the country ( XXXX, XXXX ) since I opened my citi checking account. After more than 90 days I checked my Citi - checking account online and noticed that the {$600.00} bonus was not credited. I complained by overseas call to Citibank 24 hour online banking and spoke with a citi - associate ( XXXX -employee # XXXX XXXX ) and was told that he saw the notation of the promotion of XXXX XXXX and subsequently told that the promotion should be validated by the branch where I opened the account. He forwarded my complaint as well to XXXX XXXX of Citibank XXXX, CA. The following day XXXX XXXX called me back and was told that they need to forward my complaint to Citibank Head Office to validate the promotion and was given a dispute no. XXXX initiated on XX/XX/XXXX. As of this date there is no resolution yet regarding my complaint and its past more than 90 days already. I attempted to call directly XXXX XXXX XXXX of Citibank XXXX, CA branch but my call cant get through the recorded message just keep on routing my call to a call center. I decided to file a complaint again my means of live chat and they forwarded my complaint again to Citibank - XXXX CA branch care of XXXX XXXX who called me the second time around. She told me that Citibank Head Office is still validating my complaint??? and because of the delay regarding the promotion bonus they are giving me a XXXX reward points which is equivalent to {$100.00} gift card of my choice to be credited after 4 banking days. I ask XXXX XXXX to email me our verbal conversation so that I have proof of what she promised me. She verified and confirmed my email on file and was told that she will email me after our conversation. To make the long story short after 4 banking days I did not received the XXXX reward points as well neither an email from her indicating our phone conversation regarding the promotional bonus and the XXXX reward points. I subsequently filed a written complaint ( XXXX XXXX Ref # XXXX - XX/XX/XXXX ; XXXX XXXX Ref # XXXX XX/XX/XXXX ; XXXX XXXX Ref. # XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX/XXXX/XXXX. Since I am outside the country and so skeptical with the transaction deal that I am encountering with Citibank, I requested them to block my Citigold Checking account for security purposes. I am now planning to return back to the USA as soon as possible and withdraw my all money but my problem is I might loose the promotion bonus and rewards points that I am entitled???? Please help me resolve my case with Citibank. I exhausted all ways and means to deal with Citibank but still no resolution to my case. My overseas cellphone no. is XXXX which is also on my file with Citibank XXXX, CA branch.
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| 11/05/2023 |
Yes |
- Credit card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I had a promotional deferred interest balance on my Home Depot card. Home Depot 's online payment system allows you to select balances to apply your payments to.
On XX/XX/XXXX I removed the promotional balance selected, which should have applied the payment to the revolving interest bearing balance.
On XX/XX/XXXX I made a payment of {$200.00}. The payment was still applied to the promotional balance as it was expiring at the end of XXXX.
On XX/XX/XXXX I called regarding a damaged item and tried to change the payment to apply it to the revolving balance. The representative stated the system would not allow this because the promotion was ending within 60 days and all payments must be applied to the promotional balance.
On XX/XX/XXXX I selected the promotional balance and made a payment to the promotional balance, which the system showed was applied as I intended.
On XX/XX/XXXX I paid the remaining promotional balance.
On XX/XX/XXXX I confirmed that the promotional balance showed {$0.00} and removed the promotional balance selection so future payments would be applied to the revolving balance.
On XX/XX/XXXX I made a payment of {$200.00} toward the revolving balance.
On XX/XX/XXXX I confirmed the revolving balance and promotional balance showed {$0.00} and changed my selection to apply payments to a XXXX deferred interest promotion.
When I got my statement it showed the deferred interest being assed with about a {$200.00} balance on my promotional ( now expired ) balance. My revolving balance was unpaid and XXXX XXXX promotional balance was paid off and another XXXX balance was partially paid. I called Home Depot, explained the issue, and was told I needed to pay my bill. I informed the first caller that Home Depot was in violation of XXXX XXXX XXXX for not applying my payments as offered by them and selected by myself and for not applying payments to the expiring balance, which the representative told me in XXXX was required. I requested a supervisor and explained the same information. The supervisor did not have an answer as to why the system applied the payments differently when the statement was issued. I was credited the interest charged ( over {$3000.00} ) and was told my complaint would be escalated for review. I told the supervisor I wanted an answer as to why their system is violating the XXXX and direction for call center staff to escalate issues instead of simply telling customers to pay their bills. After a few weeks, I received a letter from XXXX XXXXHome Depot that simply started they reviewed my complaint and found no evidence of discrimination. My complaint didn't mention discrimination at all, it was regarding illegal practices. During the call I informed Home Depot that I would be reporting the incident if they did not address the issue as XXXX XXXX and Home Depot have a history of dishonest practices and have been sued regarding their promotional programs. It's clear they have no interest in changing and I'm concerned many other customers don't call to correct these issues and if they do, they may not be forceful enough to have the issues corrected. I can't imagine how many thousands of dollars they have received because they are not applying their payments and promotions correctly. I also had two previous promotional balance that were applied with different terms, which was corrected when I called after reviewing my statement. But, how many costumers do not review the statement and assume the agreement they entered into would just be reflected correctly on their accounts?
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| 06/14/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Approximately on XX/XX/XXXX I received a letter via XXXX from CitiBank requesting I confirm the business ownership for our business, XXXX XXXX That day I filled out the form and mailed it back via First Class USPS Mail.
Approximately two weeks later, I received, again via XXXX, exactly the same form from CitiBank. This time I went into a branch with the paperwork and one of the bankers on staff, XXXX XXXX in the XXXX Branch, faxed the form in on my behalf and confirmed via e-mail that he had done so ( e-mail attached ).
On XX/XX/XXXX our two employees let me know that they had attempted to deposit their paychecks but the funds had been frozen. I tried to check online what was going on and i saw a note letting me know the account was frozen. I called on Friday XX/XX/XXXX and they confirmed that the reason the account was frozen was that although they had received the business ownership form, they had not yet processed it. I was of course incensed that they could freeze my funds because they had failed to process a form i had submitted 6 weeks earlier. I was assured that the freeze would be lifted within 24 hours. I asked him to confirm that I was not able to access my funds due to the banks failure to process a form I had submitted 6 weeks prior, and he confirmed. I said I would be closing the account as soon as I would be able.
On the morning of Monday XX/XX/XXXX, I checked my account again online and saw that freeze had not been lifted. I attempted to call the branch where the account had been opened, supposedly this is where to freeze lift had to originate, and after multiple attempts to contact them failed, I went into a branch ( XXXX XXXX ) and spoke with a banker there. After checking and calling he confirmed the account was frozen because the form had not been processed, there was nothing I could do, I could not access my funds, they would not be able to refund any fees due to the frozen funds of our employees paychecks, and the freeze would be lifted in 2 additional days at XXXX.
I decided I would close all the other accounts I have with CitiBank on the spot, and they gave me my funds for my personal account and an account for another business I had with them. The banker and the teller were kind and apologized, but I did let them know that it was unacceptable that I still did not have access to my account for something the bank had failed to do, and that I would be closing the frozen account as soon as I was able to do it.
It is now Thursday, XX/XX/XXXX and the account is still frozen. I called again and was told again that the freeze would be lifted in 24 hours. I was told that the paperwork had been escalated to top priority on XX/XX/XXXX, but it is clear that it is not true. I have now been told the account would be released with 3 different timelines, and none of those timelines have been met.
The account continues to accept deposits from our online shop ( though I diverted those daily deposits on Tuesday when at wits end I opened a second account for the business ), but it has frozen all withdrawals. This includes tax payments that are due and already scheduled to be deducted from the account tomorrow, XX/XX/XXXX. I now suspect that those payments will not be made, in addition to all other bill payments that have been set up from this account.
I am at a loss of what I can do to regain access to my funds. I have complied with all the bank requests, and yet my accounts are frozen and every assurance and timeline I have received that the accounts would be available have not been met.
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| 11/04/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
Older American, Servicemember |
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XXXX XXXX I signed up for a 2 year computer protection service from XXXX XXXX XXXX charged on my XXXX Visa credit card XXXX upon access to mycomputer. Blocked my computer sharing without my permission. I had to continually reset their access per their phone calls. Half dozen or more times only to be blocked each and every time It took couple hrs to install whatever they did but it wasnt what was promised per their initial phone call and what they promised me Program should have only taken half hr or so. I was charged {$590.00} on my Citi card For the next 2 or 3 week days XXXX called me at least2 maybe 3 times out of the blue and ask how my computer was doing They were checking to see if I noticed their hacking my network The agreement was already VOID by their illegal set up On Sun 5 days later Iwas notified by XXXX XXXX XXXX XXXX NY that they were associated with co that had my orig 3 year protection service and my network was being hacked They accessed my computer and showed me attempts to hack my acct beginning from very time XXXX accessed my computer All my security was deleted or turned off Inow I lost my XXXX because my XXXX XXXXprint program disappeared For my protectionI had them delete XXXX because they were trying to get in my XXXX XXXX XXXX accts I immediately disputed bill with Citibecause of hacking even suspicion of hacking justified cancellation XXXX ended up defrauding me later in a different matter and a third co cheated me out of {$1100.00}. XXXX XXXX/ XXXX XXXX of NY Was 3 rd co in a row that cheated me Back to Citi/XXXX. Citi cr edited my acct the {$590.00} only later to reverse their credit. They have been billing me for 25 mths on fraud never installed sca service that was cancelled in 5 days For 1 1/2 years or more Citi turned me over to 3 credit agencies saying Iwas delinquent on a service which I never got I moved inXXXX XXXXXXXX and havent used my computer since XX/XX/XXXX when XXXX XXXX ripped me off for promised {$1100.00} refund in deleting their 3 year program They blocked my computer sharing like XXXX but I had my XXXX on and they run up {$2000.00} plus charges which I got reversed My 2 year program I never got would have expired XX/XX/XXXX I found out after the factXXXX is a scam co per internet I did not ignore Citi I made over 50 phone calls letters emails to bill dispute. Reps mgrs supervisions credit and fraud depts to no avai XXXX XXXX. Executive Response XXXX XXXX vote XXXX XXXX vp XXXX XXXX Sc Executive Responsehave all sent me letters saying Iowe this bill. Being last charges. {$860.00} with interest and late fees as of XX/XX/XXXX They have totally ignored my dozens of repliesIn XXXX They turned me over to now 3 collectionagencies XXXX XXXX. XXXX Sc Then XXXX XXXX and XXXX Sc which hounded me for some 7 or 8 mths TIL hey thoght Fla Atty Gen office was going to act Then it ended up with XXXX XXXX which sent my letters back as undeliverable I have been in constant contact with Fla AGXXXX XXXX and now XXXX. FTC Fla Deptof Financial Regulation SCConsumer Protection Agency but they have ignored me I have 00 pigs on file against these cos Do not do business with XXXX Citi XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX NY XXXX XXXX ( no relation to XXXX ) XXXX XXXX XXXX XXXX Citi. XXXX and XXXX are trying to extort {$860.00} from me or XXXX scam XXXX pai5d mymoney back except {$69.00} bank fee They are responsible for their rogue employees XXXX XXXX XXXX really hacked my acct Cheated me out of {$110.00}. That is another separate complaint XXXX XXXX XXXX XXXX Fla
|
| 06/11/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
|
I just submitted a complaint against American Express Macy 's Credit Card, which is Department Stores National Bank. The previous Complaint did not address any of my concerns, and a new issue has come up as of last night. I am hereby filing a new and supplemental complaint against American Express Macy 's Credit Card, which is Department Stores National Bank.
Curious how Macy 's seems to be affected by Covid only when it comes to responding to their client 's concerns, but have no problem selling their retail. And they show little regard to their customers of almost forty ( 40 ) years, as in my case.
I am a XXXX XXXX in XXXX XXXX, and I have been addressing consumer grievances for many years. Covid has not kept me from continuing to assist the good people of California as they need a consumer agency which is there for them.
Their response from their employee, XXXX XXXX Macy 's Executive Office XXXX Extension XXXX was a non-response. In fact, it was hurtful by how non-humane her response was.
Her response was limited to a spreadsheet of the credits made. I did not ask for, nor did I need a recap of what has and has not been credited by Macy 's. I have access to online activity. Recapping the online activity which I have access to, did not address any of my concerns and did not offer any solutions.
Asking me to call another Department ( the Executive Office for Macys.com order department for further assistance who can be reached by calling XXXX ), was discourteous and dismissive, and appeared was a boiler-plate response.
If she needed more information on the items returned, adjustments requested and dirty underwear delivered to me by them, Macy 's has multiple emails from me regarding these various issues which she has access to, As with anything else pertaining to my account.
Ms. XXXX not only did not address the issues, she did not even at minimum, forward my grievance to the Executive Office, to have THEM address my concerns with courtesy, and have them resolve my issues.
Regarding the new health risk issue which occurred yesterday. Macy 's delivered a set of earphones which had also been previously sold as new ( as with previous items noted by me, but not addressed by Ms. XXXX ). The earphone package had been opened, used and re-packaged, delivered incomplete and sold as new. The earphone is equipment which is placed in a human ear. This time, Macy 's outdid itself. A pair of earphones trumps used underwear.
Hence, my issues remain unresolved. I still have not received credit for previously returned items, and one of those items includes a XXXX watch for {$120.00}, I was credited {$10.00} for an item which I paid {$53.00}, are only a few examples of what I have written directly to Macy 's about.
I also have not received price adjustments which have been requested several times.
But what is worse, Macy 's has not addressed the used underwear issue and now, they are sending used earphones to their clients, such as the ones delivered to me yesterday.
CFPB, do I need to report Macy 's to the CDC? To the Department of Labor, to the State Attorney, the FTC?
Help us please. Which agency regulates their behavior during Covid and their irresponsible acts, such as delivering used underwear and used earphones to their clients.
What exactly is Macy 's obligation not only to you, as a Federal Consumer Protection Agency Regulator, in addressing complaints, but also to me, the consumer? Because they did not address my concerns. And seem completely unaffected by your involvement.
|
| 08/24/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
Over last several months, I have faced various service, financial, and credit difficulties with XXXX different consumer credit card products and accounts issued and/or serviced by Citi Group. This has been a result of neglect, barriers, mis-handling, mis-processing, and lack of integrity in handling of consumer finance and credit matters by Citi. Below is a short summary : Citi has neglected to fairly or accurately handle and process verbal and written communications which, in fact at the extreme outcome, has resulted in closing my credit card account in good standing ; thereby denying access to credit and funds to my family and me.
Citi has not responded to written communications I have submitted asking them to explain why my credit card account in good standing was closed.
When I ask Citi to correct their mistake by reactivating/reopen my account - which they have negligently and erroneously closed - Citi threatened and required to pull my credit report again, thereby negatively affecting my credit reports.
Citi has systematically presented barriers to service my calls to their service centers pertaining to these and other matters with products they have issued to me. The company has failed and neglected to return calls promised to me by front line agents as call-back from supervisors in 24-48 hours. Supervisors are routinely not being made available on phone lines. These experiences and failed promises have repeated easily 4-6 times in just the recent 2-3 months.
Citi has abandoned a credit card product issued to me ( Citi XXXX XXXX XXXX ). They have forced me into a new product and new account ( Citi XXXX XXXX XXXX ). In this transition, I raised certain clarifications and requests pertaining to terms, conditions, and features. Citi refused and neglected to address my communications on this matter. Over several months I tried over phone and most recently in writing.
Citi 's consumer web login system and methods to make payments and schedule autopayments are generating errors, not updating in accurate or expected behavior, and are presenting barriers to payment, thereby triggering debt collection proceedings and other undesirable consequences to the consumer.
Citi 's new XXXX credit card partnership with a large retail merchant ( Costco ) to transitioning XXXX XXXX account holders resulted in a breakdown on previously set up autopayment, triggering harassing collection calls. In trying to resolve these matters, my calls to Citi 's service centers commonly were getting disconnected, Citi 's XXXX 's insisting automated phone payment without explanation or charges and blocking the phone calls from proceeding to live Citi customer service or collection representatives.
When Citi closes an account on their own and issues new products and accounts, for example in this case - as a result of new partnership Citi has formed with XXXX XXXX / XXXX or with Costco / XXXX ; the old accoun closure is flagged as Closed by Customer '', not as Closed by the Institution ''. Citi informed me that if they flag it as closed by them, then it is reported adversely to credit reports. This manner of flagging is inaccurate and lacks integrity in consumer credit and consumer financial record keeping.
I started keeping logs and asking for identification of Citi staff I have been talking to on phone. Most recently I have spoken to the following individuals at Citi who have provided me ID 's which they claim to be theirs : XXXX ( ID XXXX ), XXXX ( ID XXXX in the Missouri XXXX ), XXXX ( ID XXXX ), XXXX ( ID XXXX ).
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Creditor Information CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Within the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is indeed kept private and isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CITICARDS CBNA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' CITICARDS CBNA the financial institution and the ConsumeXXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, CITICARDS CBNA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' CITICARDS CBNA never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. CITI CARDS CBNA also never credit my account for the certificate of indebtedness. The IRS also claims I am supposed to receive a statement every year because it is considered income, and I never received the necessary forms to do so. CITI CARDS CBNA did not credit my account via the Electronic Funds Transfer Act on the interest from the dividend payments they made off my treasury coupons. CITI CARDS CBNA is listing my payments as late which is violating 15 USC 1666.B for a open ended consumer credit plan. 12 CFR Part 1026 states Truth in Lending ( Regulation Z ) which protects people when they use consumer credit.
|
| 03/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
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The account was attempted by the customer to be closed XX/XX/XXXX ; Citi did not attempt to reconnect per its procedures or policies a disconnected line even thought the customer had called numerous times and given contact information in the event of such. Assuming then the account had been closed. The customer called again on XX/XX/XXXX after receiving notice for a past due payment for annual fee of XXXX $ on XX/XX/XXXX now being late after XX/XX/XXXX no payment was made. Citi provided no explanation at this time as to the customers grievance about why the account was never closed and the XXXX $ fee assessed from the XX/XX/XXXX call. The customer asked that this be investigated and escalated internally and never heard back from Citi. The customer called back in XX/XX/XXXX to investigate into this and was told this was being investigated and properly escalated within citi internally and never heard back. Citi is continuing to assess late fees and only now responsive after opening a complaint with cfpb.
Citi reviewed the information submitted regarding account closure issue only after filing complaint with cfpb. Not once did Citi investigate at my request when calling in their phone line directly to request investigation internally on quality and control for why my account was never closed. Citi records reflect that I called and spoke with an agent on XX/XX/XXXX and upon reviewing the call, confirmed that I did make a request to have the account closed. Citi reports that I disconnected the call during disclosures and per Citi procedures, if the account closure disclosures arent read in full and the call disconnects, the account will remain open. Citi does not note that I attempted to call back in. Citi also does not note attempt to reestablish the call even after I confirmed my phone number and reported having issues with multiple agents and the the lines on Citi bank side disconnecting. Citi notes that I again spoke with an agent on XX/XX/XXXX, requesting the account be closed so the agent read all the account closing disclosures and completed your request. Citi does not note that I spoke to 6 different agents, bounced around different departments, trying to investigate into a fraudulent charge on an assumed closed account and not once explains to me that the reason my account was never closed was because the line disconnected. Had Citi explained this and then explained that the XXXX $ annual fee assessed is due to the account wrongfully never being closed on Citis procedure and lack of follow up - then I would've filed a complaint with cfpb at that time. At this time I also asked for more clarification around the XXXX $ charge to multiple departments when I had specifically closed my account prior to the annual fee being assessed. Again, not once did an agent clearly explain the fee due to an error with the previous attempt- to which the conversation would have been different. I then asked Citi to open an investigation again internally and I was told this would be done and never heard back from Citi as to the findings of that investigation - all this time Citi has found it fit to charge me late fees to my closed account annual fee of {$99.00} billed on XX/XX/XXXX. Because of the added AAdvantage miles benefits that come with this card, Citi will not waive the annual membership fee - even though when I previously canceled the card I switched from flying XXXX to flying XXXX, under the premises that Citi had indeed closed my account. So The benefits they feel fit to charge for I never received.
|
| 06/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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Dear CFPB, I received a charge from XXXX on my credit card statement for {$8100.00} which I did not make. The charge was posted on XX/XX/23 and I created a billing dispute with Citibank for the charge. They placed a conditional credit on my balance and asked for more information.
XX/XX/23 - Called XXXX to understand this charge and they informed me that this charge did not exist in their system and it was fraud and to address it with my credit card company.
XX/XX/23 - Sent invoices and a letter describing how this charge was not made by myself or XXXX.
XX/XX/23 - Received a letter from Citibank saying that they did not receive documents so they closed the dispute and reversed the credit.
XX/XX/23 - Called Citibank. They saw that the documents were received and told me that the dispute would be reopened and the credit would be reapplied.
XX/XX/23 - Put in a dispute with XXXX and quickly received a note saying that this is fraud, the charge does not exist on their system and to take it up with my credit card company. They provided the dispute number and resolution.
XX/XX/23 - Since Citibank didn't reverse the charge I called again to find out that the case was not reopened and no action was taken. Spoke to XXXX XXXX who said she would get the case reopened and I would see the credit in 5 days.
XX/XX/23 - Called Citibank again to see why this is being treated as a billing dispute and not fraud as the vendor is saying it's fraud. XXXX at Citibank said they had to treat it as a billing dispute as XXXX has my credit card number so I am thier customer. They said they can't treat it as fraud even though the vendor is saying they did not make the charge. Was told that the case would be reopened and it would take 5-7 days.
XX/XX/23 - Called Citibank as no action was taken on my account. Spoke to XXXX. I was told that my case was not re-opened but he assured me that he would get it opened, I would see a response from Citibank in a week and the charge would be reversed in 5-7 days. He asked for the response from XXXX with the case # and resolution, which I sent through email that day. He assured me that this would be resolved in a week due to the large amount.
XX/XX/23 - Called Citibank disputes again as no action was taken on my account. Spoke to XXXX. She confirmed that my case remained closed and no action has been taken to resolve this. She saw all the prior work orders, all the documents I sent in, including the one from XXXX saying it was fraud and all the notes from the prior calls. She said that she woudl put in a work order to have it re-opened. I let her know that I have been told this multiple times and there has not been any action and I would like this escalated. She let me know there is no escalation path and there was no XXXX XXXX to have this resolved. I asked if a XXXX has other options and was told no and to call back in a week if there was no action.
As you can see, I have taken action many times to have this fraudulent charge reversed and Citibank is not taking action. They actively gave me incorrect information many times and all the commitments they have made to resolve this have not been acted upon. I am looking to have this charge reversed from my account as it is invalid and fraudulent. Even the vendor is calling this fraud so I can't see why this is lingering.
Please let me know what other actions I can take to get this resolved as soon as possible. I appriciate having an government organization I can turn to which fights with me on these issues.
Thanks, XXXX XXXX
|
| 06/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
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Web |
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On XX/XX/XXXX my identity was stolen, used to hack into my Citibank online account, used to open up two unauthorized checking accounts and used to send $ XXXX of my savings to an unknown XXXX recipient ( s ). I was never scammed or convinced by anyone into sending these funds from my established devices, these were sent for me when my account was hacked.
First, the hackers moved money from my savings account ending in XXXX to my checking account ending in XXXX. I had these accounts with Citi for over ten years and theyre the only bank accounts Ive ever had. Once the money was in my checking account ( XXXX ) they tried sending $ XXXX but I believe they reached a transfer limit because at first that did not go through.
They then OPENED two checking accounts ending in XXXX and XXXX WITHOUT MY CONSENT AND AUTHORIZATION. Citibank lets you open accounts online very easily but you need extremely private information : they had my social security number. These accounts were opened and then the money started being sent off through XXXX, fractions at the time. Once again : I never used my devices to send these XXXX transfers. The funds were sent while my account access was compromised to and sent to a phony name ( XXXX XXXX ) with the recipient email being different in every single transfer ( see attachment ) and there were many : $ XXXX would ultimately be sent off from these 3 checking accounts ( XXXX and fraudulent XXXX, XXXX ) in transfers of either {$2500.00} or {$500.00}.
I reported this to the police and to the FTC as well, then I filed claims with the bank because they never caught this identity theft while it happened so I had to report it. It Here we are, almost 3 months later and I am still dealing with an overdrawn checking account, which will close in 18 days with a balance of - {$4900.00}. The bank stands by their decisions to only honor my claims for the $ XXXX sent from the fraudulent accounts and they are DENYING my claim for the other $ XXXX that were sent from my original checking account. They state lack of credibility? They themselves confirmed there was ID Theft so this makes no sense at all.
If ONE of the many XXXX transfers is confirmed to be fraudulent, without my authorization and consent, and if identity theft is CONFIRMED by the bank then ALL of the transfers have to be considered fraudulent. There is a picture of a letter from the bank admitting there was ID theft attached to the email. This was all part of the same crime on the same day to the same phony recipient done by the same identity thieves. You cant say only half of the crime is identity theft and the other isnt. This fraud is obvious and I feel like it has been grossly mishandled by the elusive back-office fraud prevention team that has no direct point of contact. I cant call them, cant make more appeals and the bank has gone as far as blaming me for this and saying I owe them the money.
I am reaching out for help, this is so urgent because my whole financial life depends on it. I am a XXXX XXXX XXXX millennial with student loan debt that only has bank accounts with Citi and has worked for over a decade on paying things on time and having good credit of XXXX. The banks faulty investigation will ruin me more than it already has : I havent been able to use my checking account or debit card for months. I need any type of guidance please. Not only do I want the bank to honor all my claims because they recognized there was ID theft, I am thinking of taking legal action because of the many damages caused to me.
|
| 02/14/2017 |
Yes |
|
- Unsolicited issuance of credit card
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Web |
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Sometime in spring or summer of XXXX, XXXX XXXX XXXX XXXX Citi credit cards open an unauthorized credit card in my name. Once the account was opened they UNJUSTLY ENRICHED both Citi XXXX XXXX by charging fees that were never authorized. In XXXX of XXXX XXXX XXXX Bank was fined {$180.00} XXXX for fraudulently opening accounts in a similar manner. see- https : XXXX? XXXX In all of XXXX, Citi & XXXX failed to send and have XXXX acknowledge credit cards by activating them. Citi XXXX XXXX posted unauthorized fees on the account to unjustly enriched either XXXX or Citibank.
The fees charged to the account were never : 1. authorized by me.
2. for any tangible or consumable product whatsoever, they were only for intangible membership fees, service fees or late fees provided either by XXXX XXXX Citibank XXXX
On XX/XX/XXXX, I received my first communication from Citibank concerning this account in the form of a statement which was now XXXX month PAST DUE with late fees and service charges.
I was outraged at this fraud for the following reasons : 1. I never authorized this account.
2. I never activated the any credit card for it.
3. I never authorized any charges to this account since I did not know it existed as an open and active account.
4. I have another account with Citibank which is in good standing and I do get my statements from them on that account.
5. I have an exceptional credit score, this fraud against my name account will damage my credit.
On XX/XX/XXXX I called the Citibank customer service line. I complained about this and disputed the bogus charges and the late fees which would unjustly and enrich both Citi XXXX XXXX. The customer service agent taking the call agreed to refund the all charges and fees and offered to send me out a credit card for this account if I wanted to keep it open by activating it. I agreed to keep it open on the condition that they would show it current and refund the unauthorized charges. The card was sent out and received the first week in XXXX of XXXX.
On XX/XX/XXXX I went online to view this account and saw that nothing had been credited back to it. I then called customer service at Citibank again explain the situation a second time and disputed the charges a second time. Once again Citibank agreed to refund the fraudulent charges. In addition to that they got a XXXX representative on the recorded line and the XXXX represented it agreed to refund their charges.
The XXXX representative further directed me to go into the a XXXX store and pay a membership if I desired to be a member. I have been a member of XXXX since the year XXXX and I expressed outrage it how they could do this. The XXXX representative advised that I had an XXXX XXXX card and XXXX used to honor XXXX XXXX ... XXXX discontinued that relationship with XXXX XXXX and had allowed XXXX XXXX to " sell me '' to Citibank. I did not know that becoming a XXXX member somehow made me an " indentured servant '' with no constitutional or consumer rights where XXXX of their vendors could actually " sell me '' to another as if I was some sort of slave. I seriously doubt that this explanation is legal.
On XX/XX/XXXX I logged on and checked this account. Proper credits were not made and it was still past due.
I an seeking remedy and damages since the company willfully ignored the opportunity to remedy their unjust activity. I clearly no longer wish to be a XXXX member since they 're engaged and a " course of conduct '' which constitutes fraud and unjustly enrichment of XXXX and / or Citibank.
|
| 01/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On Monday, XX/XX/XXXX, I contacted CitiBank via their Chat and requested that they put a stop pay on the following Payday Loans : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX and XXXX, and lastly XXXX XXXX XXXX ( XXXX XXXX KS ) XXXX. All of these were set to be debited on Friday the XXXX of XX/XX/2021. I was well within the 3 business days required to place the ACH Stop Payments.
On Friday the XXXX, I saw that all of the payments were pending. I again reached out to Citi Chat and told them the issue, giving them all of the information again and was told that they would file a dispute. I want to mention, this is the SECOND time this has happened.
This morning I looked at my account and saw that the payments posted AND they returned several bills that tried to post to my account. I again reached out through their Chat feature and spoke with several representatives, giving them the exact same information over and over. I discovered that a dispute was never opened on Friday the XXXX. XXXX, was rude an condescending, telling me that they could not return the items because they posted already, that I had not given them the correct names of the companies and on and on. I took the names of the companies directly from my account transaction history. I also verified with the original representative if he needed the information again and he said no, he just needed the amounts. I sent the info to him several times so he had the correct information. I also received documentation of the stop payments in the mail on Saturday the XXXX.
After spending 2 hours on chat and being told they could only file a dispute, I was told to contact the customer maintenance team.
I spent an hour on the phone with them. They collected information about each item, apologized that the items were not returned as stop pay and admitted that they did not know what happened. But, rather than correcting their error and refunding the money to my account ( like they did the last time this happened ), they told me that they were filing a dispute, will contact each payday lender and that I will have to wait 10 days to receive my credit. That is completely unacceptable. I also spoke to a Supervisor, who said there was nothing else she could do for me and apologized that I had to wait 10 days. This is my rent money which I now can not afford to pay. I am having XXXX Wed and now have no money to pay the hospital when I arrive.
I have done nothing wrong. I stated that my dispute was NOT handled this way the last time. They apologized the last time and the funds were in my account later that day. This time however, the fault appeared to be placed on me. They had all of the information for each lender, the dates and amounts, yet still failed to return them as Stop Payment. Now I am being punished for their error by having to wait 10 days until they do an INVESTIGATION in order to get my provisional credit. This is not a Reg E issue, but a banking error. I feel that this violates UDAAP and want it documented. I have copies the the transcripts, so that the CFPB can see everything, including how I was treated. I also told them that this was a Written Complaint that needs to be documented within Citibank and was told that the could not do that. I audit banks and I know that written complaints need to be documented. This did not happen, so I chose to file my complaint here. Once my funds are credited back to my account, I will be closing it promptly.
Thank you, XXXX XXXX
|
| 12/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX Citibank XXXX XXXX XXXX, XXXX Floor XXXX XXXX, TX XXXX Re : Account No. XXXX Closure On XX/XX/XXXX, I, XXXX XXXX XXXX opened a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with Citibank XXXX I have been a Citibank customer since XX/XX/XXXX, owning many different Citibank products in the last 15 years.
The City Priority Checking Account ending in XXXX, was funded via a transfer from another personal account of mine at XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$30000.00}. From XX/XX/XXXX until XX/XX/XXXX, there were no transactions on the account. On XX/XX/XXXX, a check in the amount of {$3.00} was paid.
On XX/XX/XXXX, I requested another transfer from my XXXX XXXX XXXX XXXX belongs to me in the amount of {$25000.00} into my Citi Priority Checking Account with the intent of opening a CD Account with Citibank with those funds.
On XX/XX/XXXX, as I routinely do in the morning, I logged into my Citibank to check the status of the requested transfer. To my complete shock, my Citibank Priority Checking Account was no longer listed under my products in my Citibank login.
I reached out to Citibank Customer Service via the chat option online to request information on why my account was not listed and was transferred to over 5 different customer service associates that could not explain what had happened.
I then proceed to try via the Customer Service phone number and was told by a Citi Representative that an Investigation was opened for my account. I was also guaranteed that in 24 hours, I would hear back with the results.
I then proceeded in the next few days to call multiple times to check on the status of such investigation that was started without Citibank informing me of such and no additional information being provided to me. As per the list of phone calls with Citibank customer service attached, I wasted valuable hours of my time just trying to figure out what happened to my account and funds.
Today, XX/XX/XXXX, I finally received an email from Citibank stating : Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual.
As a result, your REGULAR CHECKING account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately.
This has been frustrating to say the least. I am requesting that Citibank officially describe and inform me of the violation to the terms of my account as per the client manual actually was.
Citibank currently holds {$55000.00} of my hard-earned money and have been told is that it will take 30 to 60 days to return those funds to me via a check. How Citibank unilaterally and without providing reason, believes it is acceptable to withhold someones funds for 30-60 days baffles me. I need these funds to meet my financial obligations.
There are so many issues with how Citibank conducted this process, and it has forced me to have to write this letter. I look forward to your reply and a resolution to my problem before seeking help from the Consumer Financial Protection Bureau. Please contact me by phone at XXXX XXXX.
Sincerely, XXXX XXXX Attachments - List of Interactions with Citibank Customer Service - XX/XX/XXXX Deposit Confirmation - Account Closure Notice E-mail
|
| 05/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened a " CitiGold Interest Checking Account '' under the promotional offer, which entitled consumers to receive XXXX AAdvantage miles on XXXX XXXX. The conditions of the offer stated a requirement that the consumer must spend at least {$1000.00} on the debit card, and make at least one bill payments in two consecutive months. The promotion code was XXXX and I received the details of this promotion as part of a letter mailed to me by Citibank.
On XXXX/XXXX/2016, a representative from Citibank confirmed via Secure Message on the Citi website, that I had indeed satisfied the conditions of the offer and will be receiving the XXXX miles in 90 days from XX/XX/XXXX statement period ( no later than XXXX/XXXX/2016, which means I should have received the miles by XXXX/XXXX/2016 ). The message read as follows : " From : XXXX XXXX XXXX Date : XXXX Account Number : Interest Checking XXXX Subject : XXXX : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome back to Citibank, my name is XXXX. I am happy to confirm that you successfully completed the requirements of your promotion XXXX. The XXXX AAdvantage miles will be credited by Citibank to your AAdvantage account after 90 days from XX/XX/XXXX statement period.
The reward miles can take up to 10 days to post to your account for redeeming. At the time the Bonus miles are credited to your AAdvantage Member Account, your checking account and Citi credit card must be open and in good standing.
I want to take this time to make sure you are aware of the requirements for the Citigold Account package. In order to avoid the monthly service fee of {$30.00}, your combined average monthly balance in all eligible deposit and retirement accounts must be {$50000.00} or more. Outstanding lending products such as loans, lines of credit and mortgage balances no longer contribute to the combined average monthly balance in order to avoid the monthly service fee and {$2.00} non-Citibank ATM fees.
XXXX XXXX, I am pleased to have helped you confirm your promotion today. I invite you to share your opinions about the service you received today from me, XXXX. Please click the link below to take a short survey using reference number XXXX.
Send Your Opinions If there is anything else we can do for you, please contact us online with Live Chat, by sending a message, or calling Citigold Customer Service at XXXX. Internationally, you can call us collect at XXXX. TDD/TTY Service is available at XXXX. We are available to assist you 24 hours a day, 7 days a week.
Thank you for choosing Citigold. We appreciate your business and the opportunity to continue to serve you.
Sincerely, XXXX XXXX Citigold Customer Service '' It is now XXXX/XXXX/2016, and well past the 10 days that the agent noted above that it may take the miles to complete posting to my XXXX XXXX AAdvantage account.
I have sent another secure message and was promised a reply by today. No reply was given by Citibank. I spoke to a customer support manager this evening at around XXXX EST, and he refused the help and told me to simply wait.
I have seen on XXXX and other social media platforms where hundreds of users are complaining of the exact same predicament. Those who were targeted by mail, have written confirmation of the offer requirements being met by secure message, and are being denied the miles by Citi. They are using the XXXX XXXX I believe this is a bait-and-switch scheme, where consumers are enticed into signing up for a high fee checking account via a promise of a reward that never comes.
|
| 02/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
... To make sure this was delivered and delivered properly, i must say ; first of all, i am a young hardworking man who deserves my fair share of consumer rights laid out for us all to see and abide by. I should not be held responsible for things i am not liable for. Big businesses everyday get away with unfair business practices in order to save themselves a extra buck or gain extra bucks, but I am not one to let it happen to me! I am currently going through a identity theft recovery and i have had a couple credit accounts opened in my name and also fraud charges against my actual accounts from an incident in early XXXX! A guy ran up on me in XXXX of XXXX, outside of XXXX XXXX and pretty much beat me up and took my wallet which held my ID, SOCIAL CARDS, INSURANCE CARDS AND DEBIT/CREDIT CARDS. I was contacting my banks and such, giving them a heads up on what happened. Long and behold, there were multiple fraud charges on some of my credit cards that were compromised, i was able to take care of the situation through my banks, mostly all of them did not hold me liable for any unauthorized charges EXCEPT for my XXXX XXXX XXXX credit card issued by DEPARTMENT STORES NATIONAL BANK. I personally called them in early XXXX about a {$5000.00} unauthorized charge made or posted on my account on XX/XX/XXXX ... They said they'd investigate the case and it can take up to XXXX. Meanwhile my account was still accessible to the crime thief as it was charged again and again, {$2500.00} on XX/XX/XXXX and another {$2500.00} on XX/XX/XXXX. I contacted them again in XXXX about it all, and was told not to worry, my account had been adjusted with the proper amount of credit so i moved along and assumed all was taken care of until around early XXXX i come back to view my account online and see that they had reversed all of the disputed fraud charges on my account. I also got an alert from the credit bureaus that this card account was maxed out, staining my credibility. I also got a letter in the mail dated XX/XX/XXXX, XXXX see letter in attachments XXXX stating after review of the investigation, they decided to permanently reverse the credits from my account because they said the charges were made using my previous cards " protected '' embedded chip?? Like that meant anything in my case. There are no card codes to process a charge on my credit card with them, hence, anyone can literally use my card with no problem, as they did! They claimed on the letter that the card was in my possession so the transactions in questioned arent considered fraudulent activity ... XXXX what!? I LITERALLY TOLD YALL, MY WALLET AND CARDS WERE STOLEN! WHAT KIND OF MADE UP STORY YALL GOT IN YALL SYSTEM THAT HAD ME IN THE PRESENCE OF MY CARDS BEING FRAUDULENTLY USED. What the XXXX. I was beat up and robbed! I FILED A FTC LAW ENFORCEMENT POLICE REPORT and sent it to the credit bureaus for the accounts opened in my name and fraud charges from the incident. The thief used my cards, NOT ME. I AM NOT RESPONSIBLE AND I SHOULD NOT BE LIABLE for XXXX worth of purchases, they need to GIVE ME BACK THE FULL XXXX CREDIT ONTO MY ACCOUNT FOR USE or CREDIT THE ACCOUNT AND CLOSE IT OUT. Either way, will make it right. You can't force liability on me, this is unacceptable, making up 'card in my possession ' stories in yall back offices that was NOT claimed by me in any claim initiated and yall KNOW IT. Total unfair business practices and I wont stand for this. I will fight tooth and nail and pursue litigation to defend my rights and stand by my claim.
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
A third person deposited a check in my account for {$30000.00} on Friday, XX/XX/2023. On Monday XX/XX/, when I reviewed my account I found {$9000.00} as AVAILABLE in my funds, I send a note to my bank manager asking about it because I did not know about partial payments, She told me that she was seeing the same, then on Wednesday XXXX XXXX XXXX in my account I saw another {$5500.00} available in my account. Again I called my bank manager and she told me that we can call to Customer Service to ask when the total money will be available but I told her that it was OK while finally the money will come to my account. As I was informed that FUNDS WERE AVAILABLE, I made one payment for {$9000.00} based on the Citibank information that funds were available. I have to say that I made payments using other bank account but confidence that funds were available in Citibank. To my surprise on Friday, XX/XX/, my Citibank accounts shows XXXX funds availability because the check was rejected. I call to the bank asking what happened and told me that theirs procedures allow them to put availability funds in my accounts while the check deposited is in process to be fully collected.
I want to put a complaint to the authorities that supervise banks because Citibank has the following procedure : Check Deposit limits apply and vary based on clients tenure ( new vs. existing ) and banking segment. The current limits set on your account are in accordance with the terms and conditions governing your Citi International Personal Account Package.
Deposits received before the end of a Business Day ( Refer to the Client Manual Consumer Accounts for definition of Business Day ) will be credited to your account that day. However, there may be a delay before these funds are available for your use. Depending on the total amount of your check deposits on any one day, the deposit amount may not become fully available to you until the fourth Business Day after the day of the deposit.
Funds from all check deposits on any one day that total {$5500.00} or less will be available on the third Business Day after the day of deposit. The first {$220.00} of these check deposits will be available on the first Business Day after the day of deposit, an additional {$450.00} will be available on the second Business Day after the day of deposit and the remainder of the deposit will be available on the third Business Day after the day of deposit. If the total of your check deposits on any one day is greater than {$5500.00}, the amount in excess of {$5500.00} will be available on the fourth Business Day after the day of deposit.
On XX/XX/, we received your personal check deposit in the amount of {$30000.00}. In accordance with the terms and conditions governing your Citi International Personal Account Package, the funds were available as previously described.
On XX/XX/, we received a return of unpaid deposited check of {$30000.00}. Unfortunately, the funds were withdrawn from your checking account ending in XXXX
As you can see the bank did not follow the procedure leading me to be subject to scam. Also they do not want to give copy of the checks either information anbout the accunt and company who deposited the check in my account because I want to sue that people for scam but bank does not cooperate giving the information.
AS YOU CAN SEE CITIBANK DID NOT FOLLOW THEIR OWN PROCEDURE THEY PUT AS AVAILABLE TO MY ACCOUNT A MUCH MORE LARGER AMOUNT THAN {$250.00} OR {$450.00}. This mistake from the bak made me subject to scam por {$9000.00}
|
| 07/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
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It all began with me receiving an email from CITI on XXXX saying I needed to use my card otherwise my account would close due to inactivity. Since this is the card that I have had for 20 years and my oldest card, for my credit score sake, I thought I would keep it open, so I went to add it to my Apple Pay on XX/XX/XXXX on my laptop to use it. It would not work, so I opened the chat and the person told me the last three digits of my card was the security code. It was not. So it wouldn't work. I then decided to call customer service for help since the chat misled me into entering incorrect information and probably started this whole situation. The customer service person immediately transferred me without telling me why and all of a sudden I was talking to someone in Fraud. That person said they needed to verify me and asked me for my landline phone number and what other accounts I had with CITI. I don't have demand depository accounts with CITI, so apparently I was not eligible to be verified. There was no option for a One Time Passcode or other method of authentication that any other financial institution uses. Instead I was told I would have a letter mailed to me. No instructions on what to do with the letter or anything. Just I had to wait for a letter. I asked to be transferred to the complaints department and was told that was impossible and I would be provided a physical address to mail them a letter. So I hung up and dialed customer service again and was given phone number XXXX to call and log a complaint. I called the complaints number and they told me they couldn't talk to me unless I had a landline or accounts with Citi, otherwise, I would need to wait until I received the letter. She wouldn't even LISTEN to me and attempt to hear me out. She told me it was absolutely impossible to get help on the same day. She also told me that she would have a supervisor call me that same day ( I confirmed it would be the same day ). I did not hear from anyone. At this point, I decided to call back and close my account because I would rather have my credit score lowered than to deal with CITI ever again in my life. No one was willing to help me or escalate my issue or make any attempt to provide assistance. They told me I couldn't close my account or even log a complaint. She told me I had to wait for the letter to come in the mail in 5-7 business days and she wasn't even able to see any of my customer profile. She did at least tell me what the letter was for and that it would have a reference number that I would need when I call back in. I finally received the letter on XX/XX/XXXX and called in to close my card. The automated service automatically transferred me to the fraud department which verified me from the code in the letter. I told them I wanted to close my account because of the terrible experience and I think they closed it, but the representative was not clear and did not provide me a confirmation. I asked again to be transferred to a complaints department and was hung up on. I then called back again to the general customer service number XXXX and was told I could file a complaint with them. However after I shared my story, the representative again placed me on hold and then hung up on me again before any confirmation of receipt of next steps. I am unclear of whether or not my account is closed or if my complaint has been filed. It seems to be misleading and deceitful to require a customer to have depository accounts with a financial institution in order to get help with a product.
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| 07/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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I hired XXXX XXXX XXXX XXXX XXXX to move me to a different apartment. The morning of the move the customer service people called to tell me that the crew is running behind schedule - that they will be at my home at the later window of time quoted ( XXXX XXXX to XXXX ). The C.S rep also informed me that I would be called when the crew in nearby and again when they are at my residence.I received some calls from 2 different phones due to poor reception they called from a 2nd phone. When they parked - they called me and stated they were here which is the time noted on my phone bill scan at XXXX. At XXXX the move was over and they required that I sign their copy of the billing which I did and they rubbed my card number onto the bill and I was given a yellow copy. I also had written on the receipt that they lost the footing from my bed frame which they are liable for.After not receiving a billing ( mail or email ) I called XXXX XXXX and asked what is going on and also was told the amount and total times ( arrive/depart ) which was shocking as I know the time they arrived and had looked the call up in my cell phone memory. The moving company refused to properly bill me despite me sending them a scan of my copy of the bill with no times noted but it does only have a {$67.00} truck charge. Due to them not correcting the billing time to after XXXX I filed a dispute with Citi Mastercard over the phone and then after receiving the complaint forms ( which lack a box to check that states fraudulent billing/over-billing ). I later received request from Citi later to fill out the exact same forms again which I feel is a game since I verbally explained the problem to Citi CS reps that the time started was XXXX and they can prove the true starting time by GPS - time/date and location from the phone call that belongs to an employee or corporate XXXX XXXX. Citi did n't perform this investigation because they would find out that my story was fact and their 'merchant ' bill-er is defrauding me and MasterCard would have to dismiss them from usage privileges. I have complained to Citi numerous times about this issue.Finally, I filed a complaint with Illinois Attorney General XXXX XXXX 's office and they were able to obtain a partial refund of {$140.00} which {$15.00} is for the bed frame issue and 1 hour amount {$130.00}. If you look at my copy that is the one with few numbers written in, it will be obvious that the company tried to defraud me by overcharging my credit card which CS at XXXX XXXX had before the move. With this comment, another issue is with the crew lead stopping loading at my residence after about 1.5 hours to call the office to check on my credit card info. They had it days before and I feel that this ploy extends the billing amount as they charge by the 1/4 hour at {$130.00} per hour. Also, now it appears to me that they were likely planning to overcharge me. Since the company would n't correct my billing during the 1st call, I feel that the written bill of {$67.00} is legally what I owe and nothing more.I have spent hours of my time trying to correct this problem.To restate my point - the bill in my possession states that {$67.00} charge for truck and no time expenses.If the company had properly corrected the overcharge with the 1st complaint, I would have legally signed the correction -- -not now. They are in violation of the law and so is Citi being a partner in their fraud. Citi benefits from the fees on the total dollar amount. Also, I do not believe that I am the only one over-charged.
|
| 05/16/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2017, I agreed to a 14-day Free Trial of XXXX XXXX. In moving through the computer website for XXXX XXXX XXXX XXXX, an advertisement screen was activated to order another product of XXXX XXXX XXXX, I didnt really want this product but I clicked on the page and there was no way to cancel that choice. It was a 14-day Free Trial also, so it wasnt a big concern. On XX/XX/2017, the products were shipped in the same envelope to my address but I was charged twice for shipping and handling. On XX/25/2017, the products were received by USPS. The tracking number for the package was XXXX. On XX/10/2017, I called and cancelled the order for both products, XXXX XXXX and XXXX XXXX XXXX. This was exactly 14 days from the delivery of the Free XXXX XXXX products. I did not order XXXX XXXX XXXX on XX/XX/2017 and then cancel on XX/XX/2017. I havent even opened the Free Sample I received. On XX/XX/2017, I filed a dispute of charges on my Citi Bank account for {$110.00} charged on XX/XX/2017 the price of the XXXX XXXX and {$79.00} charged on XX/XX/2017 the price of the XXXX XXXX XXXX. On XX/XX/2017, Citi Bank sent me a package with documents provided by the merchant and a letter declining to provide a refund for the XXXX XXXX XXXX of {$79.00}. I sent Citi Bank a copy of the email showing cancellation on XX/XX/2017. I was refunded the {$110.00} for the XXXX XXXX product. On XX/XX/2017, I received a letter from Citi Bank that explained that since this charge was dated prior to my cancellation, they are unable to assist me in obtaining credit from this merchant. They consider the investigation complete.
In applying for the Free-Trial from XXXX XXXX the merchant had my email address, my mailing address, my credit card information to pay for the shipping and handling of the Free Products. The merchant created a Transaction History which was completely fabricated. They listed a transaction on XX/XX/2017 XXXX XXXX CST for the XXXX XXXX XXXX ( I was asleep ). However, there is no tracking number linked to the shipment of this transaction which occurred on XX/XX/2017. The merchant claims that I was sent a physical product and that I was both stealing the product and attempting to attain a refund for a product that has already been delivered. The merchant sent examples of Billing Reminders, Customer Receipt/Purchase Confirmation which are fabricated. The shipping carrier is USPS and the shipping tracking number is the number used for the 14-day Free Trial, as listed above.
On the fabricated Billing Reminder the merchant states : this is a friendly reminder that your recurring payment has been processed on 2017-XXXXX. Please be advised your next payment will occur 30 days from the transaction date. The date of XX/XX/2017 is the date that I agreed to the 14-day Free Trial. This is not the beginning of a recurring payment. If my next payment will occur in 30 days from XX/XX/2017 this date for billing my next payment would be XX/XX/2017, NOT XX/XX/2017 as the merchant alleges which is PRIOR to the end of the 14 Day Free Trial. The merchant claims that Proof of Proper Disclosure of their Terms and Conditions and Refunds and Cancelations Policy was provided. Unless returned properly with an RMA, I was stealing and that by contacting Citi Bank to dispute the charges I acted against the terms and conditions. I never received such terms and conditions because I opted to participate in the 14-day Free Trial. I only received 14 Day Free Trial Details from the merchant. I never authorized the purchase on XX/XX/2017.
|
| 07/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
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Web |
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Late XX/XX/2020 : Realized CC expired but never got notifications that replacement issued.
XX/XX/XXXX : contacted citi card online via chat bot ; agent looked into replacement card issued and said card not issued because of credit bureau reporting. Explained to agent that my card account was never bad shape and dont know why Citi refused a card. Did not get it in writing. Continued to pay card.
XXXX- XX/XX/2020 : called Citi on 3 occasions and was told I would be getting a replacement card soon due to error in system. Each conversation took at least 30 mins. Each time an agent would apologize for bank error. Was told to wait 7-10 days for replacement. Last agent confirmed that account was closed in error by bank and they will fix the issue and send me a new card. Checked on my app ; new card number issued 2 times.
XX/XX/2020 : decided to visit local branch to resolve issue. Branch manager helped and was surprised that while I was receiving correspondence by mail from Citi but still no card issued. Last mail correspondence received was in late XXXX on change APR rates. Bank manager was surprised and connected me to a card services immediately and explained the issue. Representative on the phone confirmed to me and bank manager that account was closed in error and Citi will have to reopen it. I went through the steps to reopen the account over the phone. Agent they said that its up to card services to approve. I disagreed saying that I didnt ask to close the account and what Citi is doing after 2 months of back and forth, is discriminatory. Bank manager sympathized with me. Agent agreed it was a bank mistake on having the account closed. I questioned why then the prior agents continued to assure me a replacement card would be sent out if the account was closed? It was even recorded on my Citi app. Was told to wait for call or correspondence the following week from Citi on outcome. I spent 1hr 15mins at the branch.
XX/XX/2020 : Got a voicemail form Citi to contact them. Returned the call and agent from Fraud dept named XXXX connected with me. Upon review of notes, she said the voicemail was to inform me that Citi denied my new account that was processed at the branch. I explained to her what when wrong. She was also unsure why the call was directed to fraud. She reviewed and found some questionable issues with the communication. She then told me shell review the matter with a supervisor. She got back to me and told me she was instructed to contact card services to resolve the issue. The mistake was made in error by Citi and theyll try to resolve it. I was put on hold for almost an hour while she tried to connect with card services. Finally I was connected with another agent and she didnt know who XXXX was. She had to review my case again. After 10 mins she said she understood the issue but need to put me on hold so that she could connect to card services. After 15 mins, another agent came on the line and the call went dead. I had spent 1hr 30 mins on the phone!
My point is : I never asked to close the account. Each time, Citi reps confirmed to me that the account was closed in error.
Card had expired and no replacement came.
Promise of new card and number was issued.
Citi practiced discrimination towards me by closing my account because it felt that the credit score was low. But Citi did not inform me of actions but instead mislead me for almost 3 months, even though I continued to receive mail notifications of APR recently.
Seeking CFPB to resolve this damaging practice by Citi.
|
| 08/12/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
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In XX/XX/XXXX I took out a citi health card for a friend of mine. This card has become nothing but a hassle since I opened it. Citi cards representatives have used the fact that I opened the card for a friend as a point of argument with me at any opportunity ( constantly insisting my friend is the problem, saying she 's not paying the bill ) when from the good payment history on the card, this is obviously not the case. In XX/XX/XXXX the payment of {$79.00} was due on the XXXX as it is every month. My friend paid this bill online ( as she does every month ) and it happened to be on a Sunday. Citi did not process this payment right away, and whenever they finally did, it was returned due to insufficient funds in the account. However, this was not brought to my attention ( the cardholder ) for XXXX days. Conviently enough for them, I 've now racked up a late fee for the month of XXXX & ridiculous interest charges. The agreement that I signed back in XX/XX/XXXX was XXXX months no interest ( they have since denied ever having that offer ). Once I was finally informed about the " missed '' XXXX payment, I did everything they asked. They had no phone number for a resolution department but only gave me a fax number to send the information I had to. The resolution to that was a generic letter in the mail stating that the balance on the card was now at XXXX. I called citi card at least XXXX times in the last week of XXXX and spoke to as many supervisors. Each representative is more ignorant than the last, and I 've never gotten the same answer XXXX from any of them. One of the last supervisors I spoke to ( a woman, whose name I ca n't recall, this is yet another point of argument for them ) informed me that the XXXX payment could be " tacked on '' at the end of the balance of the card ( basically adding another month at the end of the balance. I 've since learned this is not the case ( and have been told by representatives that being a responsible credit card owner this is something I should be aware of, which I am, as I am a responsible credit card owner, which is proved by my payment history ). This is another thing that citi talks down to me about every opportunity they get. I had XXXX supervisor tell me that they could listen to the recorded phone call of that supervisor telling me it was ok to " tack on '' the payment at the end. Yet another supervisor has told me this is not at all possible. Not one person at citi card has ever helped, I 've never gotten any resolution to my complaints, just the same generic letters in the mail. To avoid having to deal with these incompetent people any further I am having the balance transferred to my XXXX XXXX. this is yet ANOTHER problem for citi. When I called to explain to them that XXXX would be transferring the balance, I was told over and over again that, in America, you ca n't pay credit with credit. I was told this so many times that I had to put my phone down for a second so I did n't lose it on the guy. These are the most unprofessional people I have ever experienced. I work in customer service so I 'm all too familiar with how difficult some people can be. I can assure you, until I realized they were not willing to help me, I was a very pleasant cardholder to deal with. But not so much anymore. I 'm in the process of buying a house & this is affecting my credit score. I would love to talk to someone who has absolutely XXXX affiliation with this terrible company, to see if I could finally get some resolution to all of these problems. Thank you.
|
| 03/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
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I accumulated cash-back rewards from Citibank and decided not to redeem them so that I can make a larger purchase for the holidays and not have to worry about the expense. When I signed into my Citibank account, I saw that my cash-back rewards balance was at {$0.00}, which didn't make any sense because I hadn't redeemed all of my rewards. On XX/XX/2021, I initiated a chat with a Citibank representative through the Citibank website and I explained that my account was showing a {$0.00} balance when it should have shown a balance of {$1300.00}. After researching my complaint, XXXX, the Citibank representative, told me that I would receive back my cash-back rewards in the amount of {$1300.00} and that I would see it in my account within 5 - 7 business days. I have a screenshot of the conversation showing that XXXX from Citibank told me that I would be credited back with my {$1300.00} cash-rewards balance. I patiently waited for the credit to appear in my account, but it never happened. I once again reached out to Citibank and even though their representative told me that I would get my cash-back rewards, they changed their minds and told me that my rewards had expired. I told that that I was never advised of any expiration, but they wouldn't listen to me. They shifted the blame to me and told me it's in their terms and conditions, which is really their way of trying to get out of their obligations and mislead their consumers.
1. I have dealt with many companies in the past and have always received email alerts if a reward that I had earned was subject to expiration as well as a warning as to when the reward may expire and need to be redeemed by.
2. Citibank misled me and never advised me about any expiration date.
3. Due to Covid, I had to drastically cut back on my expenses, which led to me not using this particular Citibank card for more than 1-year. Had I been advised that I needed to use the card in order for my rewards not to expire, I would have done so. Again, this was a Covid-related issue and Citibank should have been more accommodating and understanding.
4. I believe that Citibank has engaged in deceptive behavior in taking advantage of their customers. They are attempting to hide behind " terms and conditions '' that are stuck in boilerplate agreements and notices that they know customers don't read or go back to at a later time to review. For them not to send out an alert to their customers advising them that their rewards are expiring is a deceptive practice that is put in place to defraud their customers out of their rightfully earned rewards.
5. Citibank has engaged in fraudulent behavior because its customer-service representative who is authorized to speak and take action on their behalf specifically advised that my rewards balance in the amount of {$1300.00} would be credited back into my account. An action that has not yet been taken by Citibank, which amounts to fraud and deception.
I am requesting that Citibank immediately return my rewards balance to my account in the amount of {$1300.00}.
Because I am at work during work-hours and am in a position that I can not take calls during the business day, I am authorizing my husband, XXXX, to speak on my behalf if needed.
Thank you for your time and I hope you understand that this is not a small matter to me. {$1300.00} is a lot of money to me and I was saving it up to be able to but holiday gifts for my family. Please have Citibank immediately return my rewards balance to my account in the amount of {$1300.00}.
|
| 07/27/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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|
|
Web |
Older American |
|
I was hired over the internet by a cryptocurrency company ostensibly based in XXXX XXXX.
Immediately after being hired, I found that the nature of the work was not at all as it had been described to me, and for which I was hired.
The employer, XXXX XXXX, requested me, as part of my job, to set up an External Account, which it identified as XXXX XXXX XXXX XXXX, and had me request 4 money transfer over a period of 8 days from XXXX XXXX XXXX XXXX to be deposited into my Checking Account with Citibank. The transfer requests were for {$5000.00} each. The first such transaction occurred on XX/XX/2021.
I was instructed, via XXXX, by the person training me from XXXX, XXXX, XXXX XXXX, to use the money, and go and buy bitcoin from a locally-based bitcoin machine located at a convenience store in XXXX XXXX, NY. for {$5000.00}.
The pattern and instructions were the same for all 4 transactions : request {$5000.00} from XXXX XXXX XXXX XXXX ; take the money to the convenience store ; buy {$5000.00} worth of bitcoin ; and text back the Bitcoin Purchase Receipt to XXXX XXXX via XXXX XXXX. The company always texted me a scan of its wallet to access the bitcoin machine.
While transacting with Citibank to request and withdraw the funds from my account, Citibank, on multiple occasions, sent warning signals and emails that there were problems with the XXXX XXXX XXXX External Account.
Citibank, on one occasion, indicated that " the account provider has indicated problems with processing your request '' ; and on another occasion that " as a security precaution, until this problem is resolved, we have put a hold on your ability to submit more of these transactions '', indicating that XXXX XXXX XXXX XXXX had problems with the account holder itself on its end. Citibank went on to tell me that once the hold was lifted, it would notify me by email.
But irrespective of that, on 2 occasions, the money - - {$5000.00} each - - was always there, with no indication that there were continuing problems or issues with XXXX XXXX XXXX XXXX, or that there were any strings attached to the funds.
By the funds being there, I took it to mean that Citibank had resolved the problems or issues it had with XXXX XXXX XXXX XXXX ; that the hold on the account was lifted ; and that the funds were cleared, ostensibly so after receiving confirming emails reading : " The funds have been deducted from the account from which you requested the funds be transferred. " ; or " The funds have been credited as of XX/XX/2021 to the destination account, and deducted from the account from which you requested the funds be transferred. '' At this point, there was nothing left to consider.
But, by XX/XX/2021, 20 days after the first transaction on XX/XX/2021, Citibank had gone back and debited my account for {$5000.00}, {$4900.00}, and {$11.00}, totaling {$10000.00}, for the first 2 transactions that had been made since XX/XX/2021, even though the transactions were listed as having been " Completed '' on its internal, online, customer-only-registered " Transfers Activity Details '' page downloaded on XX/XX/2021 from its website. The latest such printout of the webpage listed the transactions as having been " Rejected '' without offering any explanation.
Citibank 's actions wiped all the money out of my checking and savings account ; blocked my account ; and has created an overall negative customer-service experience.
Citibank now holds me personally accountable for the {$10000.00} debt, for which I should not be held responsible.
|
| 02/20/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
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|
This is a copy of XXXX as it concerns CITI also : Please see CFPB complaint XXXX and note I recently submitted to US Dept of ED FSA office complaint XXXX regarding CITI. Note there are issues with my cosigner. There is a malicious takeover of commercial interests and extends back to personal matters. Some of her family has been involved and I believe has used her co signing on this loan and other things in various matters they have sought to deny and deprive me information of. Not only is information being denied, but my accounts are being monitored and cut off and the communications I do receive are hijacked. I intend to ensure the copyright I made is put in my name. This individual is not communicating with me and I believe from others I am being victimized. There are other complaints. There properties were put into foreclosure. I was not informed and I do have overlapping property. I want to know how these loans were taken into account. Some of those involved in takeover do stem from the program I attended at XXXX I believe but since then the program has dissolved diminishing it's value and I was not notified. Here is text to the complaint. Please also note the check I received from XXXX number XXXX is not valid and I need a new one. However I requested information about this due to suspicions about this program and it's connection to other matters. hence I would like this addressed also. I am seeking discharge and repayment to the listed parties. Here is my complaint made referencing CITI because they were the original loan holder and believe this transfer could be due to my situation. Please explain and provide me the original documents from CITI also. Again here is complaint XXXX made to US Dept of ED FSA : The XXXX XXXX XXXX program I obtained these loans to attend dissolved diminishing the value of the program. I believe it is apart of the privacy and human rights violations I have experienced apart of a long range takeover of commercial interests. For example, some could extent to copyright XXXX which is a film/tv project regarding the anti nuclear movement from the XXXX and XXXX. However, I would like to also emphasize I believe there is IP ( that I have not formalized and the oppression I am experiencing designed to prevent ) regarding ediscovery. XXXX began developing a set of ediscovery standards that actually began after these matters and is currently in the process of updating and implementing more for example standards XXXX and XXXX and due to being violated in a medical procedure some of this now may interact with what I believe is a cortical modem of some kind interacting with my account and ediscovery process. However, this XXXX XXXX program is something I believe was targeted as apart of their long term de meriting process. and the student loans themselves something those have targeted in their attempts to degrade me. XXXX XXXX, the individual whose name I put the copyright in was a co signer. Her family has been exceedingly malicious and I believe targeting my life even before. Hence I believe these loans were a factor even prior to their transfer to XXXX. I am requesting all details of these loans and any information regarding them. In terms of participating in the financing of my projects and unfortunately complicity in takeover attempt. CITI could be an involved party, and these loans used for those purposes also. I need to know if they are involved in this in anyway also. Please see attached CFPB complaint regarding XXXX for details on issues related to that.
|
| 10/12/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX letter Date ; XXXX XXXX, 2015 Dispute number ; XXXX XXXX ; Date ; XXXX XXXX, 2015 I purchased a ; XXXX TV along with a wall mount on ; XXXX/XXXX/15 for my church ( XXXX ) for {$790.00} ( tax exempt ). I returned it XXXX/XXXX/15 and I also returned the wall mount and what I believed was the cancelation of the TV purchase by, XXXX XXXX at customer service desk. She said it was all taken care of, I also called and cancelled the delivery.
But on XXXX XXXX ; It was supposedly delivered at our church, XXXX, XXXX XXXX XXXX XXXX XXXX Ohio XXXX. I spoke to your delivery man when he called me at ; XXXX XXXX to confirm, and I told him that the order was cancelled.
I was not aware of any problems until I received my next month 's bill. I did not take delivery of that TV, I did not receive that TV, I went back into your store and they gave me a copy of a signed delivery paper ; this is not my signature.
Again, I did not receive this television, no one else is authorized to sign for our church but my dad. ( XXXX ) This TV was supposed to be delivered to a church ; the delivery people did not put that Television inside of the church. We have an alarm system and according to ; XXXX XXXX XXXX ; there was no entry or exit in their log at the time they so called delivered TV.
Who was your delivery driver that made the delivery? What did the person signing for the TV look like?
The signature on the delivery receipt is not my signature. ( enclosed, is my signature and the signature of whoever supposedly signed for the delivery of the TV ).
Apparently their delivery policy is, anyone over XXXX can take delivery and they do not have to put a {$800.00} TV inside of building, why did n't the delivery people verify who took delivery by asking for a valid ID or for the purchase receipt?
What was the number on their caller ID that came up when the delivery was supposedly rescheduled three times? I never rescheduled a delivery. Why would I reschedule if I had cancelled the order?
If this was purchased on the XXXX of XXXX, why was it so called delivered on XXXX XXXX?
I thought all necessary actions to cancel that order was taken, we Did not get this Television. I called Best Buy, we followed all of their investigative procedures, but they still insist that the delivery people delivered the TV to us.
We submitted a XXXX police report on, XXXX/XXXX/15 ; XXXX # XXXX XXXX after the lady at your customer service at Best Buy told me initially not to file. ( enclosed ) Because we believe a Best Buy employee stole this TV and yet Best Buy continues to bill us and charge interest for a TV that we do not have.
In their investigation, no one came to the church or to our houses to see if we had that TV, as a matter of fact no one even called us.
We have received absolutely no good response from Best Buy, from the corporate office nor from their legal people, they would n't even compare the signatures, which would prove, we did not sign for that Television.
We have been trying for six XXXX 6 XXXX months to prove to Best Buy that we did not receive this TV, yet we keep getting billed for it. We continue to pay for a TV that we do not have and they act like it is no concern to them.
We have contacted, the Better Business bureau, the attorney General 's office and the XXXX police.
They ( XXXX XXXX XXXX XXXX sent another letter dated XXXX XXXX saying the matter is closed and as long as we are being billed and do not have TV, the matter is not closed.
Thank you
|
| 09/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
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|
In XX/XX/XXXX, my CITI COSTCO XXXX credit card account was seriously compromised. I asked customer service/fraud department to investigate and close the account. My card was just replaced after few more fraudulent charges they identified, last four of the card XXXX. This was the last card I received.After paying the last statement ( see attached ) seeing they did not close the account yet, I blocked myself the card/account on XX/XX/XXXX. Prompted by an alert by mail, Sunday, XX/XX/XXXX I called again.I was transferred to fraud department talked to " XXXX from Texas '' who promised she will verify me and close the account. After this call my account info was changed, email, address etc, I was locked out of my own online account and starting this moment new credit cards were issued, cards I did not request, authorize nor I did receive. What I did receive were the alerts of " suspicious activity ''. As a good customer I called every time and after few people hung up on me I talked to the fraud department ; I told them is fraud and ID theft and I begged them to close the account ; each time they promised to verify and close the account but instead issued a new credit card. Last episode was on XX/XX/XXXX. I talked to XXXX who asked me if I agree to forfeit my {$80.00} rewards on the card. I said " yes '' just close the account.She promised to send me in XXXX h an email to confirm the account closing. Saturday, XX/XX/XXXX, called to inquire about the email I did not receive, talked to XXXX, who communicated that the account is not closed, and a new card was issued on Friday, XX/XX/XXXX. The COSTCO CITI credit card customer service was/is enabling and perpetuating the ID theft, on XX/XX/XXXX perpetrators tried to compromise my CITI bank account I was paying the credit card with. I went in person to the CITI bank location in XXXX and closed the bank account I had since XXXX ; the private banker was outraged by my story, talked on a secure line with CITI COSTCO credit card, fraud department, disputed all fraudulent charges pointed out all wrong info on my account, changed by perpetrators ( email address, residential address etc. ) ; the call ended with the promise that I will receive in 30 days a letter that will confirm the closing of the credit card account. The private banker thought the issue was resolved ( see attached her email ) XXXX XX/XX/XXXX to speed up the process I sent a letter to the CEO of CITI BANK and CEO of CITI COSTCO XXXX card telling my story ( attached ). I received a reply from CITI executives communicating that I will have an answer in 15 days, but 30 days later still no answer. On XX/XX/XXXX I sent by email to Citi Executives the ID theft report together with the letter detailing the laws the credit cards have to abide by in these cases and on XX/XX/XXXX sent by mail the same documents to the fraud department together with their last alert ( at that time ) dated XX/XX/XXXX ( attached ). Their answer to all this, was to send another alert with " suspicious activity '', dated XX/XX/XXXX, for a totally different card,. No explanation, no answer, no communication, all they wanted, it was for me to step back on the hamster wheel and call them, practically to do again what I did for the last 8 months, with absolute no information, no result and no resolve.
Please see the attached documents.
I am an exemplar customer, I always paid in time my dues, I never have passed a deadline for anything not only credit cards payment, before the ID theft my XXXX score was XXXX or more.
|
| 08/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Hello. I have a credit card with Citibank -- it's an AA Advantage card. I have used it for years as my primary card spending anywhere from $ XXXX a month to $ XXXX a month. I like the card as it accrues me miles, has a high limit, and great features.
In the past, there have been fraud warning that were tripped for various reasons : maybe an item of clothing that seemed weird, maybe a strangely large purchase -- all valid, and while annoying in the moment, all were easy to avoid. They would send me a text message asking if it was a valid purchase, I would type Y into the chat, and it would be approved. Easy, no fuss.
3 weeks ago, the night before I was heading to fly to XXXX on a 2 week vacation, I tried purchasing a XXXX pass for the country of XXXX. During the 2 step verification process I fumbled the 2FA on my keypad, and messed up a few times : I am human afterall, and mistakes happen.
The fraud protection got tripped, and my card stopped working. But what started was a bizarre next 3 weeks.
That night I tried calling to clear the fraud warning, but the call was odd. The fact I had to call was odd too -- no emails or texts this time. I called, I knew my security answer, and yet, they were asking me my phone number. Not only that, they were asking me to add a second phone number -- a second cell phone number specifically -- to verify me. Who has 2 cell phones? No matter what I did I could not get them to verify me : I had every verifiable piece of information available : security word, previous addresses, social security -- none were good enough. They resorted to sending a physical letter to my home address.
This poses as a safety risk -- I was leaving the next day on a 2 week vacation. But what if I were already on vacation? They would have financially stranded me -- I usually only travel with a single credit card when I travel specifically for security purposes. What if that was the card that I brought? Being stranded in a foreign country without a deep financial resource could have been a very, very dangerous proposition. So there is that.
Luckily I could change my strategy and took a different card with me.
While on my trip, once the authorization letter came, I had a third party take a photo and send it to me so I could verify and get on with it : it was incomplete with the top of the letter cut off, so when I called back, I only had the 4 digit verification code, and not the date stamped on the letter. Because of this, the whole thing was scrapped and had to resend yet another letter, postponing it another week!
When I got back from vacation, and had the new letter in hand, I called again to verify -- and this time, they didn't even need the date all the sudden -- just the 4 digit code, even though the last time I had called they said without the date they couldn't enter it in the screen to lift the fraud warning. It makes no sense!
So, now, finally with it lifted, I asked to ask for a supervisor to explain it all -- specifically if Citibank, as a company, has XXXX biases to middle eastern companies.
That is the only thing I can think of : there is no difference in this fraud warning versus the others in the past. The fraud protection must have some kind of filtering process that treats transactions for non-us -- or possibly middle eastern countries -- as alternative fraud systems.
So not only is the fraud verification system fraught with inconsistency, it's also incredibly dangerous for travelers, and quite possibly powered by racist-leaning algorithms.
|
| 05/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Servicemember |
|
I have been locked out of my Home Depot credit card website and app. When I try to access them it says : " Access Denied '' and that I do not have permission to access the server. I have approximately 15 promotional offers with this credit card with the oldest one set to expire on XX/XX/XXXX. Note that it is now Thur XX/XX/XXXX so that deadline has passed.
On XX/XX/XXXX I contacted Home Depot Credit Card Customer Care at ( XXXX ) XXXX. In a 15 min, 12 sec phone call the Customer Care Representative failed to provide me and give me access to my credit card information. She did offer to send me a complete transcript of my credit card transactions. I specifically asked for a listing of transactions SINCE MY MOST RECENT CREDIT CARD STATEMENT which was approximately on XX/XX/XXXX.
She said it would take approximately 7 to 10 business days to receive this information. I received a package from Home Depot Credit Card on Wed XX/XX/XXXX, a day after the first promotion set to expire. This package contained a copy of all my credit card statements dating back to XX/XX/XXXX. It did not include what I specifically asked for, namely : 1 ) Did I pay off the full balance of the promotion that expired on XX/XX/XXXX XXXX ) How was my most recent transactions allocated across all of the promotions I have running concurrently XXXX ) What is the current state of my promotional balances as of XX/XX/XXXX XXXX ) What is the payment reversal which occurred in the past few weeks or so?
On XX/XX/XXXX I paid {$15.00} to XXXX, a consumer advocacy organization. Within a few days I received a phone call from XXXX who stated that she was with the Home Depot Executive Escalation department. I attempted to explain my greivances with Home Depot and it's credit card ( approximately 20 ) and she did not provide me any source of resolution. She stated that any Home Depot Credit Card issues had to be addressed to Citibank. When I contacted Citibank they stated that they are just a " money collection '' department and that any promotional balances had to be discussed with Home Depot directly.
I have made the following phone calls in an effort to get this resolved : XX/XX/XXXX XXXX am outgoing call of 10 min, 15 sec XX/XX/XXXX XXXX XXXX outgoing call of 6 min 16 sec XX/XX/XXXX XXXX XXXX outgoing call of 6 min 35 sec XX/XX/XXXX XXXX XXXX outgoing call of 20 min, 22 sec XX/XX/XXXX XXXX XXXX outgoing call of 13 miin 9 sec XX/XX/XXXX XXXXXXXX XXXX outgoing call of 1 min 53 sec The package I received on XX/XX/XXXX did not include the recent transactions since my last bill. I once again contacted Home Depot Credit Card services on XX/XX/XXXX and the Customer Service Rep told me I have a promotional balance of {$110.00} set to expire on XX/XX/XXXX but she was unable to send that to me in writing by email or mail. She attempted to get me access to my Home Depot Credit Card transactions ( include promotional balances ) but was unsuccessful, despite numerous attempts using numerous methods. She referred me to Home Depot Credit Card Tech Support, but I have decided to escalate the issue to the CFPB.
I have included 16 documents in this complaint, but bear in mind I have many, many additional documents, to include voicemail messages, chat transcripts, screen shots, and phone call recordings. But being a respectful person I have decided not to include them in this complaint at this time as I do not wish to over burden Home Depot Credit Card Services. I can and will include this additional documents and files at a later date.
|
| 01/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
XX/XX/2019 XXXX attempted to charge my card ending in XXXX. Citi allowed one charge for $ XXXX to process and blocked the following two attempted charges for even larger amounts for more as fraud.My account was closed and a new card was issued. The chargewhich posted I filed a billing dispute for, as I was only provided a working driveable vehicle for about a day before being instructed to return the vehicle to the XXXX XXXX XXXX location who would provide me with another identical or better vehicle which I would be able to safely operate with my disability. A disability which was originally accommodated as legally required when I initiated the rental. The XXXX XXXX location refused to provide me with a safe, functional vehicle despite their requirement to do so under the ADA. I provided Citi with my written correspondence with XXXX, the case # 's they created and written commitment to void the contract out, in addition to my original contract which XXXX modified without my knowledge or permission. A temporary conditional credit was issued by Citi. Additionally, I filed acomplaint against XXXX with the Justice Dept and the Texas Attorney General for their many violations.Shortly after my new card being issued on XX/XX/XXXX, there was a new charge from XXXX for a toll road in New Jersey. I live in XXXX on XX/XX/XXXX, I called CIti to dispute this charge as I did not make or authorize it. I was told my security preferences where changed and my new card number would not be provided to merchants as a convenience. Whichwould prevent XXXX from charging me further as I did not provide them my new card number. On XX/XX/XXXX however, XXXX charged my previous account which was closed and Citi allowed their charge on my closed account to post to my new account, despite my security preferences having been changed which should have prevented this. This charge from XXXX was for $ XXXX. The charge was marked as fraud and Citi closed the new account and issue a new card number. A week after noticing and reporting these fraudulent unauthorized charges On XXXX I called Citi once more to inquire why I was still being held liable for these unknown and unauthorized charges. At that time the security operations department simply told me the case was closed on the unauthorized charges since I had previous business with the merchant. They could not provide an explanation as to why the charge on an expired card was allowed to post when my security preferenceswhere changed. Fraud operations did however notify me the unauthorized charges were made without the card being physically present. Meaning the card was manually entered and processed. Yet Citi still states this charge which I did not authorize or even have knowledge of as valid and not fraudulent because I did business with this merchant in the past. A merchant who previously triggered a fraud alert and Citi blocked charges for. When I requested the documents used during the course of the investigation the agent stated she would terminate the line if I could not produce the contract for the fraudulent $ XXXX charge. That's a ridiculousrequest as I had no knowledge of the charge nor did I authorize it. So how could I provide such a document.
The definition of unauthorized or fraudulent transactions are one that the card holder does not know about and/or did not authorize. Yet, Citi claims this unauthorized transaction where my cancelled card was manually entered is valid. This extremely against the law and the XXXX liability policy Citi claims to have.
|
| 07/07/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Dear CFPB : I need to send a major concern/complaint about the false advertisement made by Citi Bank to encourage custimers to sign into their Citi Gold account to receive bonus American Airline bonus miles.
I opened a Citi Gold checking account with more than $ XXXX deposited in ec. XXXX and made several checking activities to meet the bonus XXXX miles requirement.
Based on the email I received ( attached ) from Citi in XXXX 2016, I met all of the spending requirements and I should receive the bonus XXXX miles by XXXX/XXXX/16.
However, nothing happen and I asked Citi to investigate XX/XX/2016 and stil nothing happen for the past 7 weeks when they said they will open an investigation.
There is something wrong for Citi Bank to create this false advertisement to ivite customers to sign up their checking account -- without honoring their promise for offering AA bonus miles.
I am requesting Citi to process their promised XXXX bonus miles in the next 30 days.
Thanks to help many citizens like me having problems with Citi false campaign.
XXXX XXXX Citi Gold # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX XXXX XXXX Date : XX/XX/2016 Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citibank 's Online Message Service, my name is XXXX. I hope you are having a great day and it is my goal to thoroughly address all of your concerns today with your promotion inquiry.
I certainly understand your concerns with the status of the investigation on the promotion offer. After further review of your account, I can confirm that the case is still being investigated. Once the investigation is completed, you will be notified via secure email and Citibank Online message with the outcome. Please be advised due to the high volume of cases, it can take sometime for the case to be resolved. As soon as the case is resolved, you will be notified via secure email and Citibank Online message. I do apologize for any inconvenience it may poses due to the time it takes to work the case.
Please note, all promotions will differ and are targeted to specific account holders during specific time frames ; so if you did not receive this promotion via your Citi credit card statement, personal email, or through U.S mail to your home address you will not qualify for this promotion. If you have had a previous account with Citibank, you will not be eligible for the promotion offer. We regret if this causes you any inconvenience.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX Wise Date : XX/XX/2016 Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold 's Online Message Service, my name is XXXX and I hope that you are having a pleasant day today. I will be pleased to provide more information regarding your promotion.
I can confirm that you completed the requirements for the promotion XXXX to receive XXXX XXXX miles as of XXXX/XXXX/16. Per the promotion policy, the AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you complete all offer requirements. The end of the statement period is XXXX/XXXX/16.
With this in mind, you should expect to have your miles processed no later than XXXX/XXXX/16. Please note, it does take AAdvantage an extra statement cycle to reflect the miles online.
|
| 10/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
My CITICARD/CBNA account was/is in good standing.
On XX/XX/2019, I initiated a payment of {$9500.00} to cut my balances by half.
Regular minimum payments were made. CBNA withdraws minimum payments regularly from my account that ends in XXXX around the XXXX of each month. XXXX is my default account in service for automated withdrawals for most of the year.
On XX/XX/XXXX, my one time payment was automatically drawn from account NOT XXXX. I expected XXXX to be default.
On XX/XX/XXXX, I went to my bank account to see that funds were not transferred out of XXXX. I immediately made a payment for {$9000.00} on XX/XX/XXXX drawn from the XXXX account. The payment was received. A payment was NOT necessary at the time. Minimums wouldve been ordinarily withdrawn as they were.
Very unusually, I could not cancel the XX/XX/XXXX transaction. The option didnt exist.
I removed the account from the list so such an issue would not arise.
On XX/XX/XXXX, I found that there was a FEE for a returned check (?! ) and, further, a charge was just declined.
On XX/XX/XXXX, I spent one hour and 43 minutes talking to three agents on the phone, whose identities are : XXXX, XXXX and XXXX respectively. Agent XXXX did not know why and told me my account was open.
She transferred me to XXXX ( XXXX ) who told me that the account was closed without giving me a reason ( and without telling me that he had just closed it. ) I requested immediate reinstatement after he said i could request one but apparently his computer was not working so he transferred me to XXXX.
XXXX ( XXXX ) told me that there were no credit-related reasons but there was an issue with a payment. I gave the detailed explanation pointing the payment was made. XXXX said that he fully understood that it was unintentional but due to a black and white CBNA policy he could not reinstate the account even though he wanted to after his review. He recommended that I write to the Office of the President explicitly stating that they have the authority to override policy, but he can't. They can take take a decision based on the fact that it was unintentional.
On XX/XX/XXXX, I spoke for another sixteen minutes with two agents. The second Line Representative told me that I should write this letter and must point out the issue with the default account. She said that a review trigger must not have happened in the first place. She gave me a different address, so I am sent letter to both places plus via email.
On XX/XX/XXXX. XXXX/XXXX called me to say that her office ( the Executive Response Unit ), which is the highest " escalation '' doesn't have any authority other than submitting it to " XXXX '' -- the credit unit. She said that she can't and the reason was the erroneous transaction. She, unfathomably claims further that CITIBANK doesn't know how their actions will negatively affect my credit. She agrees this was unintentional but she said CBNA doesn't care for that. In other words, they have no policy for supporting customer success even if a good part of it is their own inconsistent application of account selection across payment types.
On XX/XX/XXXX, I received the letter dated XX/XX/XXXX that there was an issue with the bank account and that I should correct the account. There was nothing in that statement about closing my account. They did not give me an opportunity to correct. The fact that I had self-corrected on XX/XX/XXXX, was immaterial to them when they wrote the letter on XX/XX/XXXX. There are no arrears. A payment was NOT due.
|
| 07/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
CITI BANK Dispute Reference # : XXXX Please review the attached file.
Good morning. On XX/XX/2019, I made a purchase on XXXX. I used my Citi Bank Platinum credit card to make the purchase. The item was shipped by a third-party merchant, using the services of XXXX. The item was shipped in my sibling 's name because he would be home if the package were delivered in normal business hours. It so happened that I was home from work on XX/XX/2019, when the package was delivered. My brother signed for the package in my presence and the delivery personnel left. We opened the package almost immediately and found the content empty. I rushed out to see the XXXX personnel but he was already gone. I called XXXX on the same day, XX/XX/2019, and the agent promised that they would amicably resolve it by commencing an AZ investigation. They emailed the merchant and the merchant responded in a few days. The individual was of no assistance whatsoever and told me that the package should not have been signed for if it were empty. Mind you ; there was no way to have learned of the content of the package unless it was opened. Basically, that was it with them. I called XXXX again and they promised me that they would take care of it and I would see the credit appear on my credit card within a few days. When it did not happen, I called them back and then later that day I received an email from them that they would not do anything about it and it is closed. My other option was to reach out to Citi Bank as they issued the credit card.
On XX/XX/2019, I reached out to Citi Bank and detailed all of what I said in the preceding paragraph- just everything. They told me that they gave the merchant until XX/XX/2019, to respond. On XX/XX/2019, I received an email from Citi Bank, asking me to sign a document and send it back to them. It happened that I was at the airport traveling overseas ( as I am XXXX ) and I could not respond to them within the stated time. When I spoke to Citi Bank, I told them, the information they are requesting was information I already provided over the phone with the representative who documented the complaint. On XX/XX/2019, I spoke with a rep at Citi Bank who asked me to write a letter and explain what happened. I told her I did that the very first time and she told me that the representative who initially took commenced the dispute did not put all of what I told him in the system. I complied and sent the information ( email between myself, XXXX and the third party merchant ) the next day, XX/XX/2019, via fax. I have attached the document which I faxed over to them.
On XX/XX/2019, I received an email from them ( Citi Bank ) which told me that I did not respond to them in the required time ( XX/XX/2019 ). I reached out to them again ( via chat ). I told them I provided nothing new because all of that information was already in the dispute to substantiate my claim from the get-go. They told me that I could restart the claim by calling XXXX. When I called them on XX/XX/2019, they told me that the time has passed because I did not respond in time. I asked them how many days do I get to respond usually and the agent said " 45 days. '' I told her XX/XX/XXXX-XX/XX/XXXX is not 45 days. She started to get confused and did not know what to say. She promised to send a request to reopen the dispute and I should hear from them in 10 business days. All they are doing is push me around to frustrate not. None of them is willing to remedy the situation. I am asking you to assist. Thank you very much.
|
| 06/29/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX/XXXX/XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX AAadvantage miles ( worth approx. {$750.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria on XXXX/XXXX/XXXX, and was told to expect the XXXX miles to be deposited into my account by XXXX/XXXX/XXXX. The promotion terms specifically states that the miles " will be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you complete all offer requirements. '' In the ensuing months, I was charged a monthly service fee of {$30.00}. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited by XXXX/XXXX/XXXX, Citi has pulled a bait and switch. They have refused to deposit any miles into my account.
I sent a message to Citi XX/XX/XXXX asking about the status, and Citi responded stating that they have requested the credit of the miles to my AAdvantage account and that I should revive a prompt response by e-mail. Having received no e-mail and no miles, on XXXX/XXXX/XXXX I contacted Citi and they responded stating for the first time that they " have received a overwhelming response to the Promotions and all accounts are under review. '' Citi now promised that I would receive a letter by U.S. mail " with the outcome of this request. '' I contacted Citi again on XXXX/XXXX/XXXX, and they responded stating that they understood my " concerns with the status of the investigation on the promotion offer '' and that they did " not have an estimated time on the promotion. '' Now I have {$60.00} of fees ( soon to be {$90.00} XX/XX/XXXX ) and I still do not have any of the miled credited to my account. A search on XXXX reveals forums full of people who are having this same problem with Citi. It 's not right. I 've been lied to and they have no problem collecting a monthly account fee while they " investigate '' whether they are going to honor the terms of their promotion. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold their promotion. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for XX/XX/XXXX. I have saved the promotion terms I was provided in XX/XX/XXXX, and all of the secure communications I exchanged with Citi representatives, including the message where they confirmed that I had met all qualifications for the offer and should expect to receive the miles XX/XX/XXXX. Here is a copy/paste of the secure message ( with identifying information removed ) where Citi acknowledged I had met the requirements for, and would receive the miles : From : XXXX Date : XXXX AccountNumber : InterestCheckingXXXX Subject : Re : PromotionalOffer Reference : XXXX DearXXXX.XXXX, MynameisXXXX, andIappreciateyoutakingthetimetocommunicatewithmeaboutapromotionlinkedtoyourCitigold CheckingaccountendinginXXXX.IamhappytohearfromyouandIhopeyouarehavingaterrificday.Itismypleasuretohelp youwithyourfinancialneeds.
Uponreviewofyouraccount, IseethatyourapplicationwassubmittedonXX/XX/XXXXwithpromotioncodeXXXX ... .YoucompletedtheaboverequirementssoyoucanexpectthebonusmilestobereflectedonyourXX/XX/XXXXstatement.Your XXXXmilesnumberisassociatedwiththisapplicationsincethisisatargetedpromotionbasedonyourAAdvantageMasterCard withCitibank.
|
| 07/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
from my letter to them : In late XX/XX/2020, I opened a checking account through a special offer on your website to put the funds for our XXXX reunion that had been postponed due to Covid. It offered a {$200.00} bonus if I opened a checking account, deposited a required amount, kept that amount for 90 days etc. Please see the enclosed copy of the online offer for all details of the offer. Please note the section : Eligible Customers Checking Offer Eligible Customers are New-to-Citibank Checking Customers. New-to-Citibank Checking Customers have not been a signer on a Citibank checking account within the past 180 days.
Not a word in that statement about having to have been specially invited to apply.
Please note the web address and date on the printed pages. It is your website address, is it not?
https : XXXXXXXXr Date is XX/XX/2020 ( the date I printed and read through all the criteria, and came back to that same site a few days later to apply ).
After the required time period, having met the criteria listed, I expected to get the {$200.00}. It did not appear. I inquired, and was told that they would open an investigation. I just received the result letter of the investigation, in which it said I had not been invited to participate in the special offer so it did not apply. This information was nowhere in the online offer. I had never been informed when I applied through the offer that I did not qualify because I wasnt invited. The letter also said I could contest the decision, but could not send any copies of the online offer. Only a letter that specified the offer was directly to me would apply. Is this not deceptive banking practice? Offering something online but then not telling the customer they dont qualify, and when they inquire as to why you are not standing by your offer, saying no you dont qualify because we didnt send you a special letter? Why do you put these online, as you still are, if you are not taking applications for those accounts?
( see https : XXXX? XXXX XXXX XXXX & XXXX : XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I called the number referenced in the letter, but got rude, difficult to hear ( are they all working from home on bad internet phone lines? ) unhelpful customer service reps that said essentially, well you got a letter too bad. Anything else I can do for you? I finally asked for the CEOs address and email, but they could only give me this address. So I am writing to you to ask, why do you put these offers online if you do not intend people to apply for them? And when they do, you do not inform them that they do not qualify for some reason that was not stated in the online offer ( if you have to have a letter, then why put the offer online at all? ) IS THAT NOT DECEPTIVE BANKING PRACTICE?
I visited the Citi XXXX page, and made a comment about the issue, and was contacted by private message by your XXXX representative. We messaged back and forth and I explained to her ( XXXX ) what had happened, and sent her the printout of the offer I had applied through. She determined that it was through an advertisement that was on XXXX search, placed there obviously by Citi itself, as the link to apply actually did open up an account. But she couldnt locate an offer code on the papers. She did finally find an offer code to apply, and sent the information into your representatives, and applied the {$200.00} to my account, as she was confident that you would find in my favor. But then I received a letter denying the code, and removing the {$200.00}.
|
| 06/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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|
On XX/XX/XXXX, I was approved for a Citi Diamond Preferred card with an {$1800.00} limit. When I questioned the limit on the telephone with the representative that approved me, she sarcastically said to me, " This is an initial limit, when you activate the card, your limit will automatically be adjusted higher to your real limit. '' I was suspect of this, saying to her, " Are you certain about that? The only bank I know of that raises a credit limit on the day you activate a card is XXXX XXXX. '' She became irritated with with me, and said, " No sir, " initial '' means " beginning '' I do this all the time, and I assure you they'll raise the limit when you activate the card! '' She even went on to say that " I usually see this card approved for {$500.00}, but they gave you {$1800.00}. Therefore, it looks like they're going to give you a very high limit once you activate the card. '' The lady was so adamant, I reasoned that she clearly must know something I don't know, so I accepted the card. When I activated it, everything she said turned out to be false. I spoke to a supervisor in XXXX, who said that they don't even have the power to do a " manual review '' of credit card accounts anymore, so there's nothing that can be done. She told me to wait six months and that she was sure that I wouldn't have a problem increasing the card limit in six months. I questioned her on this, and explained that my monthly expenditures are approximately 25-25,000, and that I pay off those expenditures monthly. Further, I explained that a credit card with an XXXX limit is literally useless to me. She once again assured me of what she said.
As a result, I waited six months pursuant to the supervisor 's suggestion, and tried to request a credit line increase. I spoke to a very rude supervisor in their XXXX office who referred to me as " you people '' ( I quite literally have no idea what she possibly could have meant by that ) try to get higher credit limits even though you're not qualified, and that she gets " these phone calls all day ''. ( More on this later ).
She said I don't use the card enough, and that it's not consistent with my demographic. She suggested I convert to the Citi Prestige card, but when she tried to do it, she informed me the system wouldn't let her, because I needed to have the card a year.
Several incredibly rude and misleading conversations later, I tried to convert the card today, XX/XX/XXXX ( well over the one-year mark ). I was told that they system won't let me do it because I have a promotional APR on the card until XX/XX/XXXX, and that that could not be overridden. The supervisor then proceeded to say that " You can apply for a Prestige card at any time! '' in the same sentence. I wasn't going to try to reason with such buffoonery. Ergo, I politely told her that I've been getting lied to for an entire year with this card, and that I was taking this to CFPB, and I wished her a good afternoon. She was silent -- and therefore spoke volumes with her silence.
Ergo, I'm submitting this complaint and demanding that Citibank close the card, remove any inquiries associated with the card, and the card itself from my credit reports. The fact that I have been lied to by so many people with exactly the same lie over the course of a year lets me know that this is widespread behavior at Citibank. Moreover, had I known the " reality '' of things with this card, I would NEVER have activated it. I was coerced into using this card, with fraudulent intent on the part of Citibank.
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| 11/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On or about XX/XX/2022 I received a letter in the mail informing me that Citibank was resolving a fraud claim in my favor that was initiated on XX/XX/2022 regarding several fraudulent activities on my checking accounts whereby an unauthorized person contacted Citibank and obtained identifying information and was able to access my online account. The unauthorized user was able, through the assistance of the person at Citibank to open two fraudulent accounts and transfer ALL of my funds from my two accounts ( that were held by me ) and then transfer all of my funds into their accounts with a different banking institution, Citibank stated that they resolved this claim favorably and returned some of the funds that were determined to be stolen through the actions stated herein.
On XX/XX/2022 I looked at my online bank account and all of the previously returned funds were drained from my two non-fraudulent accounts and those funds were put into the two accounts that were previously determined BY CITIBANK to be fraudulently opened ( which is why they returned the funds in the first place ). I called and was told nothing about the matter, was told I would get a call back. Did not get a call back. On XX/XX/2022 I went to the branch on XXXX XXXXXXXX XXXX XXXXXXXX XXXX and spoke with XXXX XXXX, and for three hours I sat at his desk on his landline talking to various people at Citibank about the fact that my funds were taken from me IN ERROR by the bank. I was told that in fact, the fraudulent accounts should have been closed at the time that it was determined that they were fraudulent, when my funds were returned to me. I was told that this was the banks error, and that they would need to open a NEW investigation to determine a new outcome that could take up to 45 days. It was clear at the time to everyone I spoke with that CITIBANK had made an error in removing the funds from my legitimate accounts to put into the fraudulent accounts as three separate 'OD ' transfers. OD stands for Overdraft. These overdraft amounts that were taken to cover the amounts STOLEN through the fraudulent accounts. On XX/XX/2022 I spoke again to XXXX XXXX at the XXXX XXXX branch location and he told me that there were three investigations in the " disputes department '' and all three were still pending, and he stated that he spoke with the " fraud department '' and there was no new information for me regarding my lost funds. I have not received a single phone call from Citibank nor any correspondence since XX/XX/2022 regarding the removal of my funds. I have received a number of emails informing me that I have a XXXX balance and a negative balance on the two non-fraudulent accounts respectively as a result of the OD transactions that occurred on XX/XX/2022. I have spent countless hours dealing with the first phase of this situation- that was documented to have been resolved in my favor via phone and in person at the branch resulting in many lost hours of work. Every time I call it takes at least 45 minutes to speak to a person who has any information regarding my account and I am transferred at least three times. I have been hung up on, I have been disconnected, I have waited on hold for up to 2 hours at a time. When I go to the branch I sit at a desk and the same issues occur while on the bank land line and I am still the person doing all of the work to try to obtain information regarding my lost funds. I have all documented transactions and balances and documentation to PROVE all of what I am stating here.
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| 08/09/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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This is a follow-up to Case number : XXXX. I disputed the resolution to that case and am resubmitting the case with additional evidence supporting my position.
Here is a summary of the description from the prior case : I applied for a Citigold Checking account with Citibank on XXXX/XXXX/XXXX after receiving the promotion code XXXX. The requirements for this promotion were to open a Citigold checking account, make one bill pay transaction for two consecutive months, and make {$1000.00} in purchases via the debit card. Upon completion of the promotion requirements, I would receive XXXX AAdvantage Miles. Citibank opened my Citigold Checking Acct in early XXXX XXXX. I promptly deposited funds and began working to satisfy the promotion requirements. I completed the bill payments on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I completed the {$1000.00} in debit card purchases on XXXX/XXXX/XXXX. Following completion of the requirements, I contacted Citibank customer services and was informed that I had met the requirements and the miles would be post XXXX statements after the period in which I met the requirements. Given the requirements were completed in XX/XX/XXXX and the XX/XX/XXXX statement closed on XXXX/XXXX/XXXX, I expect the miles to post XX/XX/XXXX or XX/XX/XXXX. After not receiving the XXXX AAdvantage miles by XX/XX/XXXX, I sent a message to Citibank via the messaging function on their website on XXXX XXXX, XXXX. After several weeks I received a letter from Citibank on XXXX XXXX, XXXX indicating that after investigation they determined that I was not actually eligible for the promotion. This contradicts information previously provided to me by Citibank customer service.
Citi response ( summary ) : In our review we found that the offer in question, promotional code XXXX, was not directed to you. Upon review of your interaction with our Citibank representatives via chat, phone, and online message, we found no evidence of misinformation. Please be advised that although you may choose to enter any given promotion code during the online application process, the promotion eligibility itself is still subject to verification. For this reason we must respectfully decline your request for the XXXX AAdvantage miles promotion.
If you would like us to research this matter further, please provide us with documentation showing you were solicited for the promotion. We thank you for the opportunity to respond to your concerns and look forward to serving you in the future.
Based on Citi 's response for additional information, I do not understand how Citibank can deny my request by indicating that the promotion code XXXX was not directed to me. I am attaching the Promotional Disclosure that I printed upon submission of the application for the Citigold checking account on XXXX/XXXX/XXXX. The first sentence of the Terms and Conditions section of the Disclosure clearly states that promotional offer was attached to my account ( i.e. " This offer is available to Citi/AAdvantage credit cardmembers who receive this communication ). I have been a Citi/AAdvantage credit cardmember since XX/XX/XXXX. Included in the attached image is a copy of the my Citi AAdvantage credit card. In addition to receiving the XXXX AAdvantage miles due to me, I am also requesting that Citibank remove the past 3 monthly account fees charged to my Citigold checking account ( $ XXXX/month = {$90.00} total ) to compensate for my inconvenience of having to repeatedly follow-up with Citi regarding this offer.
Sincerely, XXXX XXXX
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| 06/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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To whom it may concern, I am a current credit card customer with Citigroup Finance LLC, AKA Citi Credit Cards or Citi Bank.
On XX/XX/XXXX, I used my Online Banking to update my new payment method and I add to that purposes my Checkings Account from XXXX XXXX XXXX.
For that process, I used Online Banking https : //online.citi.com and I used the option to Link Your Bank Account and then I proceed to verify my credentials and then Complete.
After a few days, my account appears as an unverified and then after a few days turns from unverified to Inactive.
On XX/XX/XXXX, I called to the customer service phone XXXX XXXX XXXX XXXX and after speaking with different departments and different customer service agents they confirm to myself is nothing wrong with my Citi credit card account, payment method or credit balance and I should be using my credit card account with any problem.
On XX/XX/XXXX, I checked my account information using again https : //online.citi.com and after review processed transactions I see between six or seven charges into my credit card balance and as a description shows fees for returned payments.
On XX/XX/XXXX, I called again to the customer service phone XXXX XXXX XXXX XXXX and Mr. XXXX with employed number XXXX ( agent provides the employed information and his name ). After speaking with Mr. XXXX around an hour, he mentioned that those fees are correct and I must pay it as soon as possible. He argues that the account I provide when I did the process to add a new payment method is incorrect and it is my fault as a customer. I do not use any other method to make that process and I use the tools Online Services from Citi provide.
In my statement, I review the transactions from my XXXX XXXX XXXX Checkings Account, and I can see one transaction from XXXX of XX/XX/XXXX for {$20.00} USD. I can confirm Citi Card Online makes that withdrawal transaction.
In addition, Customer Service confirms that Citi Group makes that withdrawal transaction.
What is on dispute : - Is known that they already process one withdrawal transaction and that confirms my XXXX Checkings Account is legit.
- Citi Group still charged me with those fees transactions for returned payments and they don't want to give me a real reason of why this is happening, or any solution to that. They argue that I need to continue regularly paying my credit card and any fees on my statement because what I agreed on my terms and conditions contract.
- In addition, Customer Service confirms those returned payments are cause for a problem regarding routing number information. How they process the payment on XX/XX/XXXX, if the information is incorrect? Customer Service confirms that the account I provided is incorrect and they did not process any payment and they can not process further payments. How they justify those charges? Citi is in a total contradiction of what they are doing and the reasons they give to me do not make sense if we review statements.
- How many customers have the same issues? This is something to worry about, is not fair these companies make a profit with unfair charges. People do not have the same access as I do try to find fair solutions.
- As a customer, I make the calls trying to stop and solve everything before this happens. Why if I act with responsibility as a customer I have to pay unfair fees?
I am looking forward to still being a customer with Citi, they provide amazing services and I know this dispute is going to be solved fairly.
Thanks, XXXX XXXX XXXX
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| 02/27/2017 |
Yes |
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Web |
Older American |
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Hello team, I need your help. Please can you assit me in resolving this mess that I have with XXXX diffrent merchamts. Because of their bad faith and incopetence, they want to stole {$290.00} from me. Thanks again.
I rented a car with XXXX back in XX/XX/XXXX. Some of my items with a value of {$290.00} dollars were stolen when the car was under their care. After I complained, and even thought admitted in one e-mail that they were sorry for the incident, they refused to take any responsibility. They stopped answering to my complains.
I am attaching all of the correspondence between XXXX and I. You can see that they stopped talking to me when I asked how they were going to give my money back. And you can see in one e-mail one of their employees apologized for their action, or betterto say for their theft, but nothing else.
So I contacted Citi Bank, and make a formal complain with their billing dispute department. I presented my case of why they should not honor that charge. After many weeks of e-mails back and forth, my complained again XXXX was dismissed. I disagreed with that decision.
After I asked Citi Bank to review the decision back in XX/XX/XXXX.
1. I asked my complained to be escalated. Only after XX/XX/XXXX I was able to speak with XXXX XXXX XXXX at Citi. So it took Citi bank 8 months. During that time I was insulted, ignored, never my request were listened on time. It was a total disrespected for a customer.
When I spoke to XXXX XXXX XXXX ( just in case, his direct telephone number is XXXX ), I explained the problem in some detail., He mentioned that they can not made XXXX responsible because it has passed much time. Now, this is a Citi Bank issue, because it took many months for my initial request to be acted upon.
I told him the mistakes that I believe their billing dispute department made : 1. The e-mail sent by XXXX employee apologizing for the theft. This e-mail should have been enough for Citi Bank to have make XXXX responsible. This e-mail was ignored by Citi agent. She did not take any action.
2. I offered to have a three way conference call between XXXX, Citi, and myself. This request was never listened. It was ignored as well.
3. I asked to Citi 's agent to explained what she needed when she requested some type of document that I did not understand. This person never responded again.
4. This person mentioned that Citi has some obligation to XXXX 's bank to collect the money, does not matter what. Disregarding me as a Customer that were stolen {$290.00}.
I spoke with XXXX XXXX XX/XX/XXXX. He confirmed that Citi is not responsable for this charge because when I signed the rental car agrement, in one of the clauses says that XXXX is not responsible for any theft. It sounds like they can steel anything from Customers, and they are not responsable., their hands are washed.
Because I was told by XXXX XXXX XXXX that is too late to make XXXX responsabile. This delay was 100 % responsability of Citi Bank for not having taking my request for an earlier review seriusly, but I was workarounded and lie etc.
I want for City Bank to credit my account for {$290.00} dollars + interest. for the damage they did to me.
I am enclosing all of the e-mails between I and XXXX. Please pay attention of one e-mail in particular where one employee apologized for the theft. This happened after I asked how XXXX was going to pay me back. If you agree with me, she ackwoledged what they stole the items.
I also enclosing e-mails between Citi and I.
Best Regards XXXX XXXX
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| 01/12/2024 |
Yes |
- Credit card
- Store credit card
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- Getting a credit card
- Card opened without my consent or knowledge
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Web |
Servicemember |
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I went to apply for a Costco membership. My wife and I both wanted a Costco membership. The Costco Customer Rep XXXX XXXX # XXXX, facilitated the process on a touchscreen tablet that she flipped over to our side periodically for information input. She defined the process as the Coster membership application and stated she would do mine first and then my wife. I explained that my wife would possibly do the credit card but I already had several credit cards and in fact even had a Citi Card already. The Customer Rep continued what she explained was the membership application. Even my social security number, address, Photo IDs and salary was presented as part of the info set for the Costco Membership. The Customer Rep would flip the tablet back and forth for what me and my wife both thought was setting up a membership. The Costco Rep also took my phone and navigated in and out of apps and even closed apps during this process and I could not entirely see the whole process and this made me extremely uncomfortable. It was not until the associated said to look for an email, that I received the email but said this email is from Citi Bank and the Customer Rep said thats the Costco Credit Card and to that I responded, I did not want a Credit Card, my wife was potentially interested in that, but the Customer Rep said Well you can just add your wife later, when you get home - To that I responded I did not want a Credit Card at all, especially not another Citi Bank Card, because I already have a Citi Bank Card. The response to that from the Customer Rep was that I could call Citi Bank. So I did call Citi Bank and I called the number on the printout that Costco gave me XXXX. The Citi Bank Rep stated they see my Citi Bank Diamond Card but would have to transfer me to another department for the Costco account. Once transferred the Citi Bank Rep there stated they did not think they could cancel the card until I receive the new card. I stated that was unacceptable as I never made an actual authorization in the first place and asked for my signature to be produced. They escalated me to a supervisor. The supervisor stated I had to wait 72 hours to cancel and I asked to be escalated to make a formal complaint. I was sent to the Fraud department due to my statement of not authorizing the account. The Citi Bank Rep at the Fraud Department asked my issue and I said I never wanted the account and wanted it canceled, stated I had to wait 24 hours. I explained that I was first told I had to wait until the card arrived, and I was then told I had to wait 72 hours and now I am being told 24 hours. I then stated emphatically that I want to be transferred immediately to make a formal complaint with the CFPB - the Rep did not do that nor did he make an attempt to transfer me to an internal department to file a complaint. From the very beginning, the process of how the account came to be, still can not be shown to me, where I signed and authorized the creation of a new account and if one took place it did so fraudulently. The moment I received an email from Citi Bank I told the Costco Rep I did not want the card account for myself and I was simply told to contact Citi Bank and from the moment I spoke with Citi Bank, I was told an error is preventing them from closing my the Credit Card account and nobody allowed me to lodge a formal complaint. These credit card practices from Costco & Citi Bank are absolutely predatory and deceptive and the barriers in place for account cancellation is absolutely overbearing.
|
| 11/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XXXX XXXX, I opened a dispute regarding a charge on my credit card requesting a partial of {$1200.00} out of the {$2200.00} paid to " XXXX XXXX XXXX XXXX ''. I then took the case to small court claims in XXXX XXXX in Virginia. In the court, I reached a settlement with the merchant and he have a partial refund check that I accepted. In return, I was supposed to close the claim with my XXXX Credit Card company. On XXXX, I called the credit called company billing dispute department telling them that I reached a resolution with the merchant and they confirmed the case is now closed and they will release the {$1200.00} to the merchant. I asked them to send me a letter stating the case is closed and they never did. One week later, I received an email from the XXXX stating " the case is still open and they are still investigating the case ''!!. I called the bank and they said " Everything is good, and that was a probably a glitch in the system! ". I requested again a letter from the bank stating the case is closed and the {$1200.00} is released but again they never did send anything. I reviewed my XXXX Credit Card statement and it did show a " {$1200.00} charge on my account '' indicating that the conditional credit I was given is now recharged to my account. On XXXX, I received another email stating " The dispute of {$1200.00} is now decided in my favor '' and they credited my account a " {$1200.00} ''!! I called the bank to find out what 's going on and why I need to call the bank more than XXXX times to close this case and I keep having back and forth {$1200.00} credit and charges. I finally asked to speak with a billing dispute supervisor who she introduced herself as " XXXX XXXX '' who apologized and said that 's no acceptable and is going to " open an investigation '' and she will personally take care of the matter and I will need not to call back again. I again, requested a letter from the bank for the third time stating the case is closed. Again, nothing is received. Few days later after with this lady, I opened my credit company and now I see two charges of {$1200.00}, meaning they over charged me another {$1200.00} instead of only taking out the credit they gave me. I called the bank on XXXX and I spoke with a billing dispute agent who stated " Yes, you are 100 % correct, we over charged you an extra {$1200.00} ''. I spoke with this person for XXXX minutes, and then he transferred to a supervisor who said her Emp ID is XXXX!!. I though the billing dispute agent whom I spoke with for 20 minutes is going to explain the matter to her, however when I spoke with this supervisor she had no clue about the case! She kept putting me on hold back and forth and kept saying " let me check your account ''. After being on the phone for 38 minutes she mentioned " my case is too complicated and she does not want to adjust any charges not to cause more complexity to the case '' She said she will have " senior supervisor '' to look into the case. She refused to give me any further information, nor to give me any time frame, or who is going to contact me or how this case will be resolved. She was extremely rude and not helpful. This company has been wasting my time for the last 6 weeks and putting me under legal consequences as I received a letter from the merchant accountant stating they did not receive their {$1200.00} and they want to take the case back to court since they gave me a partial refund but they did not receive their {$1200.00}! I hope CFPB will look into this ASAP. Thanks
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| 10/25/2016 |
Yes |
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Web |
Servicemember |
|
THE MERCHANT PURCHASE : I hired XXXX XXXX XX/XX/XXXX to send out tank and soil samples for a residential oil tank for DEP certification. It was required by the buyer of my home so I could close on the sale. XXXX filed a report with the DEP that the tank and soil failed testing, filed with them that the site was undergoing remediation, and told me I had to pay him {$25000.00} to clean the soil and properly dispose of the tank. He said it was a requirement of the DEP.
THE MERCHANT DISPUTE : When XXXX was confronted with 1 ) documentation in the form of a raised seal from the State of New Jersey that the tank and soil were already certified as clean years earlier, and 2 ) filled with DEP certified matter, and 3 ) the lab he hired denied failing the site and 4 ) the lab he hired said the site was clean, and 5 ) my lawyer retained a new company to re-test, after all that, XXXX still insisted that I needed to pay him {$250000.00} to " clean '' up per the State of New Jersey. XX/XX/XXXX I contacted the DEP directly, they contacted XXXX regarding the complaint and all the documentation I provided them, and he completely backtracked and withdrew his filing in a matter of minutes. I had a letter from the DEP before lunch, and they specifically spelled out that XXXX had reported the erroneous test results and that he never should have reported it.
THE MERCHANT PAYMENT : XXXX said he would not charge me for anything it since it was his error and I had to pay double for the new company to re-test everything. Believe me it was a big fight but that 's where we landed. I called it into Citi on XX/XX/XXXX letting them know to reverse the charge and that XXXX XXXX was not contesting, sent them all of the documentation they asked for, and we were all set. With the letter from the XXXX it 's all pretty straight forward for everyone. Everyone put a period and moved on. Then on XX/XX/XXXX something happened and Citi released parial funds for {$2300.00} to the credit card I had supplied XX/XX/XXXX. The XX/XX/XXXX charges were indeed closed out without being contested, as promised. I do n't know what happened between XX/XX/XXXX and XX/XX/XXXX. Citi originally said it would not be a problem and logged everything, and even XX/XX/XXXX when I called in to find what the charge was for they said it was an error. Now they are saying the disputes department people were not authorized to tell me it was an error ( ok ), and XXXX decided to pay XXXX XXXX on it 's own ( ok ), and I have no way to contact XXXX and there is no one I can contact to pursue further ( not ok ).
Citi said it was sent to secret arbitration, just moments ago the first I 'm ever hearing about this, so secret they can not give me any details because it is all secret. So Citi tells me XXXX had a secret arbitration unbeknownst to me, and I was n't informed of the arbitration nor given the chance to defend myself because I do n't need to know, and Citi is prohibited to share any of the interactions or processes of the arbitration. The whole thing is illegal and a violation for me to know anything about it other than XXXX decided to make a payment, because they need to pass that piece along to me because I 'm the one who actually needs to make the payment. All they are legally allowed to tell me is just that I 'm not allowed to pursue it with XXXX or anyone else at Citi. Period. Really? Is this really true? Can someone please confirm this is true? If this is America in XX/XX/XXXX then it is what it is and I 'll adjust my expectations.
|
| 08/30/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XXXX/XXXX/2015, I opened a Citigold Checking Account through CitiBank using the promo code XXXX. This promo code was advertised to give a bonus of XXXX bonus ThankYou Points after opening a new CitiGold account by XXXX/XXXX/2015 and, within 60 days of account opening, post 1 bill payment each month for 2 consecutive months.
Prior to opening the account, I called CitiBank to confirm my eligibility. The representative confirmed that I was eligible, so I signed up on the website. Upon approval of the account, I immediately initiated a re-occurring bill payment, scheduling it once a month for 2 months.
After the second bill payment posted, I called CitiBank. The representative confirmed that I had met the terms of the promotion, and that I would be receiving the bonus points in the next few months.
The points had still not posted in XX/XX/XXXX, so I called back in. The representative again assured me that they would be posting, as I had met the terms of the promotion.
The points still had not posted a couple of months later, so I again called in. This time, I was told that if I had not been targeted for the promotion, I would not be receiving the points, but that they would look into it and send me a letter.
I never heard anything back, so I called again and was told the same thing. This time, I received an email a few days afterwards stating that I was not targeted for the promotion, and would not be awarded the points.
I called back in and informed them that I had been targeted for the promotion, and even if I had not been, they had told me for nearly 6 months that I was eligible and had met the terms. Meanwhile, I was being charged a $ XXXX/month account fee. After being transferred around for just over an hour, I was transferred to the wrong department. Someone at Citi had accidentally transferred me to the department which handles inquiries from Citi employees regarding their employee Citi savings/checking accounts. Despite being confused at how I got there, the representative was very helpful. He again confirmed that the promo code was showing as attached to my account, and that I had met the terms including the bill payment. He promised to have this looked into and said that I would receive a letter in the next week with the outcome of the investigation.
A week passed and no letter. I called back in, and the representative could find no record of the conversation I had previously, and no record of the investigation being initiated. She apologized and promised to follow through with initiating it herself. A few days later I again received an email claiming that I was not targeted and would therefore not be awarded the points.
I called again, and again informed the representative of the ordeal I had been put through, and that I had been told for so long that I was eligible and had completed the terms, and would be receiving the points. This representative was very helpful and promised to escalate the claim.
But again, the same outcome.
Citi does not seem to care what they have told the customer. They do n't care what promises they have made. They do n't care about compensating for telling the customer wrong or deceitful information.
I called again today to give them one last chance, and the best I was offered was that they could put in a request to potentially send me XXXX ThankYou points as an apology. Despite the fact that I had been promised XXXX ThankYou points.
I would be happy to furnish the phone call recordings, and I am sure Citi can do the same.
|
| 09/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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MACYS Macys is playing part in a legal process that borderlines on extorting excessive fees from consumers. In XXXX I accepted a settlement that was mailed to me twice from a collection agency known as XXXX XXXX XXXX XXXX XXXX XXXX When I had the available funds to settle an old Macys account for {$510.00}, I was told that Macys had recalled the collection. Suddenly after multiple attempts to pay the agreed upon settlement with a new third party known as XXXX XXXX XXXX, XXXX, I get served with a lawsuit during a pandemic, where millions of Americans are suffering financially. This law firm has refused to show proof of the transfer rights to collect from Macys, and the accounting on the final balance is fraudulent. The XXXX XXXX stated they would not accept less than {$1300.00} as final payments, and their agent XXXX XXXX claimed that Macys was contacted on my new offer slightly higher and was declined. This is bogus and nothing more that a scam perpetuated by a member of the XXXX XXXX XXXX. Macys should be ashamed of handling their affairs like this during a pandemic. My case is scheduled for XX/XX/XXXX, and I will demand a jury trial to show the awful collection practices of Macys and their lawyers.
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 08/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX XXXX XXXX came to my home to demonstrate a vacuum cleaner which I subsequently agreed to purchase for {$1800.00}. At that time, Mr. XXXX took my credit card number and processed the transaction for that amount ( as is noted by the paid in full on the receipt. ) When I received my Estatement in XXXX from Citibank, I was fully expecting the {$1800.00} charge to be included as I had, indeed, authorized a single transaction for that amount in XXXX. I subsequently paid the bill.
In my XXXX Estatement, I noticed that the amount was particularly high so I reviewed the statement and saw that Mr. XXXX had charged me for a second time on the single purchase that I had made in XXXX. I attempted to call Mr. XXXX multiple times but he would not answer his phone. I was able to finally get in touch with him through a lengthy text conversation. During this conversation, Mr. XXXX stated that I should simply call the credit card company to have this issue resolved. I immediately called Citibank and informed them that this was a fraudulent charge. They issued me temporary charge back and said they would investigate. They subsequently asked me for more information which I supplied. Included in that information was a copy of the original sales receipt dated XX/XX/XXXX, and a copy of the screen shots of the text conversation I had with Mr. XXXX in which he states that the credit card company will get the money from from the terminal.its called a vendor chargeback.
I have spent the last 8 months calling Citibank about this charge while they transferred it back and forth to various departments. I have provided them with ample information showing that I only authorized ONE SINGLE transaction, not two. I spoke with a Citibank employee who told me this was a fraudulent charge so the matter was sent to the fraud division. Citibank closed the initial credit card account and opened a new account under my name ( which I did not request ). Since then I have been unable to access information for the original account, including payments, transactions. etc.
On XX/XX/XXXX I received a letter stating that the fraud department had closed their investigation. I was confused by this as I had just spoken with a supervisor the day before regarding my case and she ( her name was XXXX ) told me that Citibank was looking into the matter and that someone would be contacting me within 10 business days.
On XX/XX/XXXX, I received an email from Citibank titled Update on your dispute. I attempted to open up this communication to see what was happening with this case but every time I have attempted to do so, I get an error message saying that the online account information is temporarily unavailable. Yesterday, XX/XX/XXXX, I attempted to login again and I still receive the message Were very sorry. AccountOnline is temporarily unavailable. 10 days later and it is still inaccessible, so I called Citibank to check on the progress. They told me that they were not going to reverse the charge and have subsequently charged me interest on the disputed amount. I have exhausted every means I have to resolve this matter including filing complaints with the XXXX XXXX XXXX and The State Attorney Generals Office, but to no avail, so I turn to you for assistance with this matter. I am unable to provide you copies of communications with Citibank as their online system has been down for at least 10 days now so I am unable to access those communications. I will gladly forward them to you as soon as their system is working.
|
| 01/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
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I received an email regarding two payments received by CITI. At the time I was expecting and received record of my {$300.00} payment made, received, and cleared. I was then latter informed once during email of a 3rd party {$500.00} payment made to my account. I immediately informed CITI about this. I requested an investigation. Numerous managers at CITI informed me that BOTH the XXXX and the XXXX were legit according to the investigation.
On or about XX/XX/XXXX CITI falsified documentation on my online statements by placing a Payment Correction of {$500.00}, and at that very time was opposite of what numerous members of their alleged management team informed me upon my own asking ( that the credits, both were legit credits ).
Just finding out more info today that the {$500.00} in actuality was an error on CITI 's part as they informed me that ( the scenario was another client had made a {$500.00} payment to their account and the payment inadvertently got placed on mine.
Banks make Errors, Customer make errors. In this case ( 2 ) people at known were impacted ; myself, and the other alleged client based on the information received today XX/XX/XXXX upon my own calling and research.
CITI recognized that 3rd party payments are a real thing and do happen. I will admit I have made payments to my mothers credit card, and siblings. We all do it, and you probably have done for a family member as well. The fact is I was TOLD verbally by CITI managers on numerous calls that the ( 2 ) credits were legit. At the time there was an over {$400.00} ( CREDIT showing on my account ) because I tend to keep my credit card balances LOW.
CITI negatively impacted my financial credit score 's utilization which negatively impacts my overall credit score.
I have a pristine history of paying ontime, and IN FULL as a matter of fact. I deserve even lower APR but that will come soon enough as I manage things very very well.
CITI pushed my hand with this issue. They initiated the ERROR in the first place. They lied to me the consumer about the facts of the investigation and the result, and never at anytime did CITI notify except with one email that I will share. They have my contact info phone, mail address, email address, secure messaging on their website, but at NO TIME did anyone from CITI contact, or do their job.
They negatively impacted my health as my landlord recently passed, my transmission is failing on my car this days after having to buy new tires for my car. I am XXXX XXXX XXXX XXXX. You think it is ok for you to just perform financial actions without my legal permission and you think it is ok for you to FAIL to NOTIFY ME?
Thats not ok.
This is NOT ok.
Citi admittedly made an ERROR, and they 're making me pay UNFAIRLY for it. All the time negatively impacting my credit score -- all which I am working on a financial matter that required good behavior on my credit score but CITI is screwing that up, and yet I repeat without notifying the customer. I seriously have no else but to say, XXXX is wrong with CITI. How can they legally falsify/change/redact statements? How can they perform an action which their Fraud department maybe should have followed up with me, or atleast someone but NO ONE DID.
All this negatively impacted my birthday XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This WAS UNFAIR! Put yourself in MY SHOES and you 'll maybe feel the heat coming off of me as to how grossly I am being treated in this mistake that CITI made. Shame on CITI, SHAME on CITI!
|
| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT MACYS/CBNA XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$30.00} {$30.00} {$30.00} Date Opened : XXXX XXXX XXXX Balance : {$1800.00} {$1800.00} {$1800.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1800.00} {$1800.00} {$0.00} Credit Limit : {$2800.00} {$2800.00} {$2800.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XXXX XXXX XXXX Comments : - - Charge Amount in H/C column is credit limit Date Last Active : XXXX XXXX XXXX Date of Last Payment : - - XX/XX/ Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DISPUTE RESPONSE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
|
| 05/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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|
Web |
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On XX/XX/2022, I received a call in regards to a personal loan that I applied for. In the days prior, I had submitted my information to several sites that were supposed to connect me to different lenders that would approve my request for a loan. The man I spoke to was XXXX XXXX, who said he represented XXXX XXXX Bank in Florida. He asked me verify the last 4 digits of my social security number and address. I was then told that I was approved for the loan, but because my credit score was XXXX points below what they require to process the loan, they would enroll me in a credit repair program and said that by them depositing money into my account and then withdrawing it, it would increase my credit score. When the funds were deposited into my account, I was asked to purchase a XXXX gift card for the amount and provide the card number, exp. date, and zip code. On XX/XX/2022, I was asked to do this again, but my card declined. I called Citibank and was put on hold for over an hour and when I finally spoke with someone, asked about the recent deposit and was told that the check was fraudulent and as a result, my account would be closed. Prior to the check being deposited, I had a balance of about {$2.00} and the previous day, I was asked by the loan company to withdraw {$130.00} of my own money to send to them as a symbol of good faith and that it would be returned to me, along with the personal loan on XX/XX/XXXX. Citibank said that I would receive a letter about my account closure and then hung up. On Monday, XX/XX/XXXX, I filed a report with the FTC for scam/fraud and identity theft. I also froze my credit reports and placed fraud alerts on each one. Today, on XX/XX/XXXX, I received an email from Citibank stating that my account, which has been closed, is overdrawn by {$2100.00}. I called Citibank three times. On the first call, the representative said he could not assist me if I didnt have my account number or debit card number, which at the time, I could not find or thought I had access to because my account is closed and Im not able to log into it. I had to dig through my emails and phone to find any of that information and was only able to locate the last 4 of the account number and debit card. When I called again, I was put on hold for over an hour and a half, and when someone from their fraud department answered, I was asked for my full name and then they hung up on me. I called Citibank again, explained to a representative what just happened & my reason for calling, and I was transferred back over to the fraud department. A lady answered, asked for my full name, and I provided the last 4 of my debit card. She put me on hold for a minute. I really could not hear her very well and asked several times if she would speak louder and to slow down her speech. When she returned, I couldnt really understand much of what she was saying, and she then hung up on me.
I was not able to get any type of information about what is occurring & any liability I may or may not have in regards to all of these charges, and I also was not able to clarify or get information about a deposit from my job that posted to this account on XX/XX/XXXX. I have no idea if Citibank will apply this deposit to the negative balance on this account. When I spoke to my employer, they said they would issue pay card if the deposit bounces back, but Im concerned that Citibank will just apply it to this balance on a closed account. I need someone to intervene & at this point, Citibank is not helping me at all.
|
| 02/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is regarding the following disputes with Whole Foods : I have repeatedly requested my complete dispute history along with the merchants response on these disputes. The first request was put in writing to billing disputes e-mail department on XXXX. The second request was placed in writing to billing disputes on XXXX. To date, I have failed to receive any supporting documentation. I have also asked for supporting documentation through the CFPB twice on all my disputes and Citibank has failed to provide them to date.
I have withdrawn all the disputes for the year from XXXX XXXX, and I am attempting to work out a resolution directly with them. Citibank is making it impossible for me to come to a resolution due to failing to provide supporting documentation as requested. I have had problems with this location for several years now. I have complained directly to the store in person, over the phone, and in writing,, I have filed a prior XXXX report, I have called their regional office, and more recently I have discussed the problem with their district manager.
On XXXX, I spoke to XXXX in billing disputes regarding these transactions. He stated Citibank had paid the merchant on several of these transactions : the one for {$9.00} dated XXXX ; the XXXX for {$7.00} dated XXXX ; the one for {$7.00} dated XXXX ; the one for {$7.00} dated XXXX ; the one for {$4.00} dated XXXX ; the one for {$7.00} dated XXXX ; and the one for {$8.00} dated XXXX. To date, Citibank has reversed the following charges : {$9.00}, {$7.00}, {$7.00}, {$4.00}, and {$7.00}. XXXX stated he couldnt provide details of what was disputed because he didnt have access to it.
In addition to paying the merchant, Citibank issued me permanent credits with no documentation required. If the merchant disagreed with the dispute, they still paid the merchant, coded my dispute as misrepresented, charged the disputed amount off on their P & L sheets, and let the supposed misrepresented disputes pile up. Then, right before mailing my rewards check for the year ( nearly {$1000.00} ), they closed my account and kept the check.
On XXXX, I spoke to XXXX in billing disputes around XXXX XXXX. She also stated she could not access specific information about the disputes. I told her about my multiple requests by e-mail, over the phone, and to the CFPB. She stated she would research the problem and would make sure all the appropriate paperwork was sent my US mail and also to my Notices and Letters section of my e-mail. She put me on hold, stated she finally found the requested information ( apparently only submitted recently ), and said I should get the paperwork shortly. Hands down, she has been the most helpful representative I have spoken to so far.
Once this matter is settle with XXXX XXXX, I plan on sending Citibank all the supporting documentation on the refunded disputes and request that they properly code the disputes as not misrepresented. I am absolutely worn out by Citibanks ineptitude.
I am sending screen shots of all the dispute withdraws. I am sending screen shots of all the e-mails written to billing disputes since the XX/XX/XXXX. I am also including an XXXX worksheet of the XXXX XXXX disputes. I am alse sending a PDF file of my transaction history rebill. I expect Citibank to start to do their jobs and to get me all the dispute documentation including the merchants response, including whether Citibank claims the dispute was mis-represented.
XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
|
| 01/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
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Web |
|
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I entered into a loan modification for my mortgage with Citi Mortgage on XX/XX/XXXX. Since that date, I have made monthly payments in accordance with the modified loan agreement. In XX/XX/XXXX, I received a statement from Citi Mortgage stating that I could no longer make payments on the account, unless the remaining debt was paid in full. The letter stated that they would be proceeding with foreclosure if the remaining balance was not paid in full. I reached out to the company and was informed that the reason for this letter was because the paperwork for the official loan modification had never been submitted to complete the process. I was also told that due to the fact that I had made a few payments that were over the amount that was agreed to, if affected my account. The representative, XXXX XXXX, stated that she did see a foreclosure notice was filed but by reviewing my account, she saw that all payments had been made and the company had failed to submit loan modification paperwork to me in order to sign and finalize the agreement. She stated she would follow through with my account, get the correct paperwork submitted and informed me to make my payments the exact amount so that it no longer causes a computer glitch in the future. Unfortunately i never had a return or follow up phone call from her. In XXXX, XXXX, and XXXX I received similar letters stating that I again needed to pay the balance on my account in full. Each month I called and had to make my payments over the phone, and was told by an agent that I did need to continue making my monthly paperwork and would be receiving paperwork any day in regards to the loan modification. When I called XXXX XXXX, the agent stated that the loan motification paperwork was mailed out XX/XX/XXXX. So i waited for the paperwork to arrive. After waiting 2 weeks for the paperwork to arrive, I contacted the company again and was informed that a new agent, XXXX XXXX, was assigned to my case. This was the 4th agent ( since XXXX ) that was handling or had been transferred to my account. I was never able to speak to the same agent/representative twice. He stated that there was no record of my contacting the company or that any paperwork was drawn up in regards to my loan modification. Each time I spoke to someone regarding my account, I was reassured that they would review and investigate the account and I would receive a phone call from them within a week, yet I never received a return phone call from anyone within the company handling my account. Today, XX/XX/XXXX, I tried again to reach out to the company. I spoke to a representative that stated she was unable to provide any information about my account including payment amount for reinstatement or total loan payoff amount. My house is set to be auctioned off on XX/XX/XXXX even though I have made monthly payments per my loan modification agreement. The only information the agent gave me was a number to contact attorneys handling the case. When I contacted them, they referred my back to the original mortgage company, Citi Mortgage, even though Citi Mortgage referred my to them. I was under the assumption that I was entered into a motified loan agreement, made monthly payments to the company, have reached out to the company numerous times each month and have had no resolution in regards to my mortgage. I was also informed today that my account has been added multiple fees ( filing fees, attorney fees, etc ) even though I have made monthly payments and should not be in foreclosure.
|
| 06/23/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Below is the letter I sent to Citicards, which explains all of the details : My Payment always due each month on the XXXX Ive never been delinquent to Citibank, and for the couple of times I was one or two days late, I paid the hefty fee of {$35.00}. But for the record, I have never been over 30 days past due, which is what is reported to the credit bureaus.
Being a loyal consumer since XXXX has become more of a detriment to me lately.
OnXX/XX/XXXXmy Credit Limit was still as it has always been {$3100.00} On XX/XX/XXXX I made a payment in the amount of {$2500.00} On XX/XX/XXXX your company suddenly decides to run a credit check on me and decrease my spending limit based on delinquencies to other creditors That is what I was told when I called, but dont believe it for ONE second. It is clear and very obvious to everyone that Ive spoken to that this is being handled as a reprimand for me being a conscientious consumer trying to pay down her debt and increase her credit score, as now you can no longer collect quite as much interest per month from me, so now I must pay the consequences. Again, just to underscore how sure I am of this reasoning : My payments to YOU are on time Those other creditors you are referring to if you bothered to check the truth are debts that I disputed as invalidThat is why they havent been paid. As the credit bureaus should be removing them, since the creditors were not able to validate them.
So, suddenly, on XX/XX/XXXX, I make a large payment of {$2500.00}, and the way I am rewarded for that as a loyal consumer is by dropping my credit limit down to {$600.00} which then makes it look as if Im : 1. Over utilizing my credit with you FALSE!
2. Going over the Limit by {$74.00} FALSE!
Several, and I mean several inbound and outbound calls were made surrounding the 48 hour period of that large payment by many different customer service agents from Citi who were concerned that there may be a security breach of some type. Okay, sure some stranger kindly decided to make a large payment on my account balance? Come on now, these excuses above dont even make any sense. Say them out loud once or twice. Its clear you want the interest. And dropping a LOYAL consumer from a {$3200.00} limit to {$600.00} isnt a bit extreme????
This is completely unacceptable to me as I am being a responsible consumer who wants to lower her debt, and increase her credit score ( which by the way your two moves above did the opposite ). Why is there a punishment for that? Is someone at Citibank at risk for not getting as high of an annual bonus for this? I can not even imagine another reason. And please dont patronize me by trying to explain that you randomly pull credit reports on an annual basis. While this much may be true, please re-visit the second set of bullet points, and youll see why this will not hold as a valid excuse.
And as if the above isnt ludicrous enough, in of itself, you have the nerve to charge me the standard interest rate {$38.00} based on the entire previous balance of {$3100.00}, along with a {$14.00} over the limit fee?
Im pretty confident that I can find enough social media sites, and mom blogs, as well as the Fair Credit Reporting Act would be able to assist me further.
This is the most unfair treatment I have ever seen by a company as large as yours, and all you have to do is make this right, but since Im not 100 % confident that is going to happen, I will be submitting complaints to The Consumer Financial Protection Bureau and the FDIC as well.
|
| 09/11/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I applied for a loan modification with CitiMortgage. Prior to the banking melt down, my husband and I refinanced our home. We were put into a XXXX Interest Only Arm. It would be interest only for the first XXXX years. We are XXXX and have been for many years. The interest only option worked for us during the recession. It helped us maintain our home, even though our XXXX had to be used to help a lot during the most challenging times. But we were never late and always made our payments. We knew this would be the year we needed to refinance as our loan would not be fully amortized. We worked very hard at maintaining our credit and paying down our debt. We tried to get refinanced and apparently, we do n't make enough with the new lending guidelines to qualify. It was suggested by our credit union that we request a loan modification, that it was not necessary to be late on your mortgage to be considered. So we did. I submitted everything they asked for and let them know that the money in our accounts were from last year and that this year was very slow and to not mistake that as extra income in any way. I was told that during the review process it would be requested to be updated. No one ever asked me. Instead, I received documentation that we make too much money to be considered. I contested this, and then they told me that I was not in eminent default. so no changes to their answer would change. Meaning, 1. no one had died, 2. I did n't get a divorce and 3. I was n't late due to a job loss. I told them that the reason I applied was to avoid any future interest rate increases. I was told that I make too much money and can afford it. I said, while it may seem I can afford it now, the feds will increase interest rates most likely by the end of the year. In XXXX my payments increased to {$1000.00} more a month than what we were paying and the remainder of my term is XXXX years. I was only asking for a fixed rate over a 30 year amortization. She said they would not consider any changes to my terms. So, I as a XXXX person, I do n't make enough money to refinance my home and make too much money to modify my terms. This just is n't true. They have my tax returns. I 've even updated my bank account statements and they can clearly see that I have n't had a paycheck since XXXX. I do not feel I am being treated fairly. I 'm a realtor and know so many stories first hand about how people asked for principal reductions, fixed rates, etc and they were in better circumstances than me. I 'm not asking for any favors. The mortgage broker who qualified me for this loan knew that we were self employed, we did n't know until after the fact that we had an adjustable mortgage. It was never made clear to us. Now that we understand it, we have worked hard to get rid of the mortgage and in a more permanent XXXX. We worked hard at keeping our credit good, paid our mortgage as our responsibility and are only asking for a fixed rate ( even if it has to go up a little ) on a 30 year amortization. We have been denied unfairly. Not to mention, how many home counselors we have been reassigned to from citi is unbelievable in such a short amount of time. I do not believe they have looked at our file, but only as a number by the way they referred to us as not having eminent default, by death, divorce, or loss of job that resulted in late payments as their requirements. Technically, we do n't have 'jobs ' ... .we are self employed and are lacking work this year, despite the many years on XXXX our industries.
|
| 09/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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On XX/XX/2020, I purchased a {$200.00} virtual visa gift card via XXXX XXXX using my Citi credit card ending in XXXX. On XX/XX/2020, I tried to use this gift card for the full amount of {$200.00} but the transaction was declined, the transaction DID NOT go through. However, when I checked the gift card balance, I found that it has XXXX balance. The transaction was pre-authorized, this pre-authorization always falls off in 2-3 business days ( Since the transaction was declined ) and funds go back to the visa gift card. In my case, this didn't happen. The {$200.00} was never re-deposited back into the visa gift card by XXXX XXXX.
I followed the instructions listed on XXXX XXXX to resolve this issue and filed a dispute with the XX/XX/XXXX ( The bank that issues XXXX XXXX gift cards ) on XX/XX/2020, I mailed in my dispute documents to XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, USPS tracking number : XXXX, delivered on XX/XX/2020. On XX/XX/2020, I calledXX/XX/XXXX at ( XXXX ) XXXX at XXXX XXXX ET on a recorded line to inquire about the status of my dispute, the agent wasnt able to find my dispute documents and he got a supervisor involved. The agent advised me to dispute what I paid for this gift card directly with my credit card Bank ( Citi Bank ) as their dispute process takes 100 days to resolve.
I contacted XXXX team by email on XX/XX/2020, XX/XX/2020,XX/XX/XXXX, and XX/XX/2020 to resolve this dispute. The only response I ever get back from them is : Our team is still looking into this and we will be reaching out to you soon with the best solution. Its been 6 weeks and not only I didn't hear back from XXXX, but theyve deactivated my account and I lost access to all the virtual gift cards I purchased through Fluz app. I have exhausted all my efforts with XXXX to resolve this dispute without any success. I filed a complaint against XXXX and XX/XX/XXXXwith the XX/XX/XXXX, CFPB, and Attorneys General Office, they didnt respond to any of these institutions.
On XX/XX/2020, I opened a billing dispute with Citi Bank over the phone. Case ID XXXX. On XX/XX/2020, I sent a letter to XXXX explaining in details what happened and why I am disputing this transaction, I also provided Citi Bank with a copy of all my email communications with XXXX showing how XXXX has not been cooperating with me to resolve my complaint.
On XX/XX/2020, I received a letter from Citi Bank via email saying that the Merchant has responded to them, and based on that response they decided to close the case in Merchants favor. Upon reviewing the documents provided to me by Citi Bank I found the following : 1- Citi Bank used the wrong dispute reason code ; XXXX Non-Receipt of Service/Merchandise.
The correct dispute code for this case must be : XXXX - Cardholder Dispute - Goods or Services Were Either not as Described or Defective. The gift card was delivered to me but it was defective. When I tried to use it, it was declined and the {$200.00} was seized by XXXX Bank and was never re-deposited back to the visa gift card. That {$200.00} is not in my possession.
2- XX/XX/XXXXresponse to Citi Bank doesnt contradict my claim and doesnt address it either. XXXX stated that the gift card was delivered to me and that it has insufficient funds which is true because that money was seized by XXXX Bank.
3- Citi Bank dispute department didnt read the details I provided to them, an issue Citi Bank is notoriously known for which led them to use the wrong dispute reason code and process this case accordingly.
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| 07/22/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XXXX/XXXX/16 I opened a Citigold account after being enticed by their sign-up bonus offer of XXXX XXXX XXXX AAdvantage Miles after meeting the requirements of the promotion.
The Citigold package stated you needed to open an account by XXXX/XXXX/16, spend {$1000.00} in qualifying debit Card purchases and have one or more qualifying bill payments for 2 consecutive calendar months within 60 days after account opening.
After meeting all of the above requirements, on XXXX/XXXX/2016, I contacted XXXX XXXX via chat to confirm that I had completed all of the qualifying activities for the promotion on my account. He confirmed that I had met each requirement and that I was qualified for the promo. I was told to expect my points to post no later than 90 days ( XXXX/XXXX/16 ).
On XXXX/XXXX/16, after waiting the full 90 days, no AAdvantage miles were credited to my account. I then contacted CSR XXXX via chat to see when I could expect the points. XXXX told me she put in a request and the points would be credited in XXXX business days.
On XXXX/XXXX/16, after waiting for the 2 business days and 5 additional business days, I placed a call to Citigold and talked to CSR XXXX. She told me that my request was under an investigation and I would hear back in 24-48 hours. When I inquired why my account was under an " investigation '' she said some people were not supposed to get the points? I told her that I had already confirmed that I had qualified and she said she put in a 2nd request for my points.
On XXXX/XXXX/16, after waiting 48 hours with no call from Citibank, I contacted CSR XXXX via chat who said that the promotions team was already working on my request and I should hear from no later than XXXX/XXXX/2016.
On XXXX/XXXX/16, after Citibank had not contacted me again within the promised time, I received a letter to my e-mail address stating " Unfortunately, there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' I then called Citibank and was transferred to supervisor XXXX. I told him I was confused because I had applied for this account with the promotional offer and confirmed on multiple occasions I was eligible and met all of the requirements. He told me that I was not " targeted ''. When I asked him why I was able to sign up and use my code he just kept repeating " you were not targeted ''. I asked him repeatedly why I have only now been informed of this and why no other CSR said anything to me but only confirmed my eligibility. He stated " I 'm sorry that they did n't inform you that you were not a targeted customer ''.
At this time I feel that I have been a victim of fraud and have no other recourse but to file a complaint with the CFPB. It is fraudulent to continue to mislead a customer that they will receive a promotional offer for which Citibank has no intention of honoring. For 111 days after confirming I was qualified I have been just waiting and no one told me I was not eligible. Citibank had 5 separate chances to inform me that I was for some reason not eligible for the promotion they marketed.
Instead Citibank drug out the process so they could steal as much money from me using their products as possible before they informed me that they were never going to hold up their part of the agreement for me meeting ALL of their requirements for the promotion they enticed and allowed me to sign up for.
I demand that my account be credited the XXXX AAdvantage miles promised to me for holding up my end of the agreement.
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| 04/30/2015 |
Yes |
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Web |
Older American |
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On or about XXXX XXXX, I purchased from Macy 's a Westinghouse XXXX microwave at a special price of {$59.00} plus shipping and tax, {$64.00}. I bought it knowing that I would have to sacrifice on my food budget, but felt it a wise buy nevertheless. A most unsuspected surprise : My utilities were high. Additionally, deposits were required on both my gas and electric accounts despite the fact that I had a good payment history in the Midwest for many years : A {$49.00} setup charge plus a {$50.00} deposit for electricity and a {$260.00} deposit on my gas account! My XXXX month 's bills were never received. I received past-due notices and wound up always being a month behind, but paying out each month for gas {$100.00} and electricity {$50.00}. Believe I was finished with my electric setup/deposit in XX/XX/XXXX. But, I received an electric bill with a 100 % increase for XX/XX/XXXX! Just think, I did not have XXXX XXXX or a XXXX
Long way around the block to explain what got me in trouble with the Macy 's bill, but necessary. To make matters worse, the microwave is defective! I would have loved to return it, but I just did not have the shipping money or gas money to return it at the XXXX ( or XXXX XXXX ) Macy 's! So, I have been stuck with a defective microwave that " double beeps '' instead of starting up, has to be " reset, '' and refuses to accept instructions. I then have to re-enter the instructions or hit a speed button ( that does hopefully it will work on the second attempt. Sometimes I will hit a speed cooking cycle and get no response. Plug it into another outlet, and it is a different microwave. It has been very frustrating to use the microwave and hear from Macy 's about what I owe them for a piece of garbage.
Well, my lease was discontinued " without cause '' and I was given XXXX days to move out. This is a XXXX-plus senior property with restrictive rent. I know perfectly why I had to go. I am no longer needed to lead the " cooperative '' that accommodates certain other " permanent '' tenants with smaller or no heat and electric bills for XXXX. Weather 's getting warmer! No? Well, then, why did the gas company refund my deposit after deducting the most recent bill BEFORE I even moved out ( within seven days after my discontuance notice )? When discontinuing I was told by a gas company employee my name would be removed from the account, but the account does not close.
Anyway ... I am now living in my car and am waitlisted for a housing authority senior property in XXXX. I do not have to pay electric, gas, internet or rent right now, however, living is far from ideal. I called XXXX Cards ( the outfit who has been dunning me for Macy 's ). I know settlement offers can be made. However, they do not want to budge with me. The microwave now is sitting my granddaughter 's closet. I offered {$100.00} and no negative comments on my credit record. The response was 'no. ' I owe some {$300.00} on a defective {$59.00} microwave, the quality of which Macy 's is not identified with. Further advice was I could pay the {$100.00} but would be responsible for the balance of {$200.00}.
Macy 's has the option of charging late charges between {$5.00} and {$35.00}, however, it has always opted to charge me {$25.00}. Before the microwave problem, I believe I had XXXX late charge because I do not like paying Macy 's that phony {$2.00} charge it assesses after you have paid off your balance. This last time, along with the {$25.00} penalty, they opted to decrease my credit limit.
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| 03/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I booked two flight tickets with an online travel agent, XXXX , XXXX in the amount of {$1500.00}. Initially, I made duplicate bookings for the exact same itinerary. Due to the travel agent 's website issues, I was not able to get confirmed tickets and there was no US phone # for me to call and they failed to respond to my email inquiry. All I got was the travel agent 's order #. The order could not be found in both the airline websites and the travel agent 's website. I worried about online scam. I contacted Citibank to express my concerns. Citibank put the transaction under fraud dispute and advised me to rebook my tickets. I rebooked the tickets with XXXX on the same date. It was 8 days after the booking with XXXX, they finally confirmed tickets. Citibank chargeback the transaction to XXXX. The travel agent got in touch with me to inquire about the chargeback they received from Citi. I responded to them and provided Citibank an update regarding the communication I had with XXXX. Citiback told me that they could not investigate the case because I got in touch with the XXXX. Citibank stated that they would close the case and reverse it to a general dispute. On XX/XX/2020, Citibank closed the dispute and reposted the transaction to my account. They nerve reverse the dispute. On XX/XX/2020, XXXX canceled my reservation at the very last minute without notification and my consent. I had to rebook another flight tickets to get my destination. I requested a full refund from XXXX, they refused to provide me a refund. They stated that Citibank is in favor with them. I called Citibank to request a dispute of the charge. Citibanki rep refused to reopen the dispute. The rep stated that the charge was initially dispute under fraud, once a charge is under fraud investigation, Citi would not reopen the dispute. I told the representative, under the Fair Credit Billing Act, I have the right to dispute this charge ; however, the rep told me that I have to deal with XXXX to get my refund. They cant help. On XX/XX/2020, I went to a Citi branch to seek for help. The branch rep called Citi Credit Card for me and we were told that they could not reopen the case until 1st week of XXXX. On XX/XX/2020, I went back to the same branch and the rep called Citi Credit Card, I was told that I needed to submit a written letter and supporting documents for the dispute. On XX/XX/2020, I submitted my dispute via email as well to the Citi branch rep for him to escalate my request. Citibank declined my disputed on XX/XX/2020. Citi stating that the information they had was not enough to support my claim and resolve the dispute in my favor. The transaction will not be removed from my account. There was no explanation or supporting documents for the decline. Citi did not contact me to ask questions or request any documents other than a final letter notifying me that the charge stands. I do not know Citis investigation/review standard. All I know is that XXXX did not provide me service. They cancelled my flight tickets on XX/XX/2020 and the merchant stated that Citi is in favor of them. I did not want to have an outstanding balance, I made a full payment to Citi for XXXX transaction on XX/XX/2020. I have attached a detail letter and the supporting documents for your review and recourse to me as at this point, I feel victimized in this process. Please assist in providing me the directions needed to help as I have no other options to get closure currently. Please contact me if you any additional information.
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| 02/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Hi There, How are you today? CitiMortgage is trying to sell our house on XXXX/XXXX/XXXX. We agree that we had a hard time from early XXXX to XXXX. First and foremost we have always wanted to pay our mortgage. Here is pretty much our timeline.
1. My husband lost his job in XXXX due to the fact that our daughter was severely XXXX. We used our savings to pay our mortgage and bills until our XXXX ran out in XXXX of XXXX. We have XXXX children and XXXX of them also has a lot XXXX.
2. At the same time the economy was pretty bad so my XXXX business took a turn for the worse.
3. We talked with Citi in XXXX and they said they could not do anything for us because we did not have much income.
4. In XXXX of XXXX we filed for Bankruptcy to stop the sale of our house.
5. In XXXX of XXXX my husband received a good paying job. We immediately contacted Citi to try and get our home re-done. I have copies of the Making Home Affordable Paperwork that we filed in late XXXX.
6. In XXXX of XXXX we filed for bankruptcy again.
7. I have email correspondence going back to late XXXX XXXX with a XXXX XXXX saying they were reviewing the loan.
8. At that time Citi had been with XXXX, XXXX XXXX, and XXXX. They were a law firm that got in legal trouble because they were miss-filing foreclosure stuff. XXXX of the articles on this was XXXX XXXX.
The law firm I guess re-structured with a new name because the same attorneys were used but were under the name XXXX XXXX XXXX 9. I was never told why the first Loan was denied.
10. Meanwhile Citi just kept making our payment larger each month until it got up to a XXXX mortgage amount, which was a ridiculous payment on a mortgage of {$400000.00} with a fixed rate of XXXX XXXX for a term of 30 years.
11. We were now dealing with XXXX XXXX in Citi in late XXXX and were re-directed to re-file again 12. After months of giving them every piece of paper they asked for, we were still not getting any answers.
13. We then went to XXXX Law Firm in XXXX of XXXX to try and get this done and continued with the Law Firm of XXXX XXXX when the name changed.
We have always responded very quickly to Citi 's requests for paperwork. It was usually the same day or no more than a couple of days. At the most it was one week.
Meanwhile CitiGroup has received a lot of funds from the government to supposedly help homeowners like us and XXXX article in XXXX where it agreed to use XXXX to help homeowners like us XXXX articles are XXXX XXXX 1.Is there a way to stop CitiMortgage from selling our house? We have asked our lawyer if we can sue just to stop the sale.
2.We have been trying to re-do our mortgage for over 4 years.
3.Meanwhile all 's that they have done is to keep racking up what they say we owe 4.Our mortgage balance when this all started was {$400000.00}. I get that we owe for the taxes for I think 5 years although at XXXX point that was part of our payment, but somewhere that changed. I am assuming it changed when we stopped paying the payments. They are saying now that we owe them over {$300000.00} dollars although I am not sure how. Even with the taxes for 5 years which should total about {$84000.00} we should still be able to re-do our mortgage with my husband 's salary. XXXX houses in the past 8 months in the neighborhood we live in sold for $ XXXX. It seems that Citi-Mortgage has kept dragging this along so they could just keep adding fees to say we owe this money with their fees and jack up what we owe to say we have no equity and now to force us out.
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| 10/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I discovered that late charges were being added to my account after my account was transferred from One Main Financial to CitiFinancial, XXXX, XXXX office around XX/XX/XXXX. When I asked CitiFinancial about this they could not give me an answer. I finally read on the back of my statement that any payment made would apply to interest and principal only. No amount was being applied to the late charges they could not identify. The XXXX, XXXX office is now closed and the account has been transferred to XXXX, XXXX. They have agreed to apply any overage I pay on my mortgage payment to the late charges. However, I am being told that if I owe as much as one {$1.00} late charge that I am being sent a Homeownership Counseling letter that is required of them by the Consumer Financial Protection Bureau. I called the phone number in the letter and a complaint was made to you in my behalf. Your response was that you could not accept my complaint unless it was signed, therefore, I was told to go on line to file my complaint. I also am receiving collection calls prior to my grace period days being up because of the Consumer Financial Protection Bureau. I am also being treated in the same manner when I use the telephone to make my monthly payment because of the Consumer Financial Protection Bureau. The first thing they say to me after I tell them I am calling in my payment is " This is an attempt to collect a debt and information you give may be used for that purpose. This call may be recorded etc. " They tell me that they will continue to make collection calls to me every month and use the collection language every time I call to make a payment until the unidentified late charges are cleared up. On XX/XX/XXXX I received a letter from XXXX XXXX stating he had been unable to contact me. He called while I was at work and I told him I would call him back. I called back and left a message that I was returning his call. I called back on the next day they were in the office and spoke with a lady and she said she would tell him I called. All this took place before he sent the letter on XX/XX/XXXX. I consider myself a decent customer paying on time. At least XXXX % of my monthly social security check is being paid to CitiFinancial. They received Bailout Money from the Federal Government but, they would not lower my interest rate and they did not offer HARP loans. My home is underwater, has been devalued over 80 %. They send me offers from various lenders to refinance but, the lenders will not refinance unless I pay the difference in what I owe and the amount they will finance. Also I must reside as a primary resident in the home for six months before they will even consider refinancing at all. I have asked for the Center Manager, XXXX XXXX XXXX to call me but she has never called. I saw a program about something similar to my case on TV, only the people could not pay. They wound up letting the bank foreclose and then buying it back from an investor. I am XXXX years old and I can not handle being treated this way. I am in fear of having a XXXX or a XXXX XXXX from getting so upset by the way I am being treated by the so called requirements of the Consumer Financial Protection Bureau. Also, YOU never returned my call before the first complaint was filed. Adult Protection Services will be my next call for this abuse I am going through for such a few dollars. Right now it is down to {$300.00} but, I do not have the money to pay this in full to keep from being harassed even if I can keep my home.
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| 04/11/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Confusing or missing disclosures
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Web |
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The attached is an explanation and the actual letter I sent to Citibank.
XXXX XXXX XXXX XXXX XXXX XXXX .
XXXX IL XXXX To whom it may concern, I am writing in regards to a complaint I have with Citibanks overdraft protection line of credit policy. On XX/XX/19 my wife XXXX XXXX XXXX and I went to the XXXX Citibank branch at XXXX XXXX XXXX XXXX XXXX IL XXXX. We went in for the sole purpose of adding myself ( her husband ) to her Citibank checking account with optional overdraft protection line of credit as well as her savings account which she had prior to us getting married. When my wife got this checking account years ago, she opted in for the optional overdraft protection line of credit. Her credit was run and she was approved for {$5000.00}. When we went into the bank, we spoke with branch manager XXXX XXXX who told us in order for me to get added to my wifes checking account I needed a credit check. I questioned this because I was not applying for credit and she could only respond that it was Citibanks overdraft protection policy. Being unable to elaborate why it was necessary, XXXX XXXX started suggesting to just add me as a beneficiary, so I would only have access if my wife passes away contrary to what my wife and I already discussed and agreed upon. I then explained I have the same overdraft protection at other banks and when my wife was added they did not do a hard or soft credit check on her because I was already approved for the line of credit protection. Even to open a new checking account with those banks only one party needs a credit check for the protection. My wife has also been added as an authorized user to every retail credit card ( multiple banks ) I had prior to marriage. This is also the same for new credit cards I opened by myself after marriage with no credit check required of wife. Later in the evening I called Citibank customer service about the policy and again received explanation as to why my credit needs to be pulled to be added to a checking account other than it is policy. Today XX/XX/19 I spoke with XXXX XXXX from the XXXX branch who explained again the credit check is necessary because it is Citibanks line of credit protection policy. When asked if our line of credit protection will increase after my credit check XXXX replied no and that it will be dropped if my credit is not good ( which it not the case ). I feel the unnecessary need to have my credit checked for something my wife has been approved for already is an invasion of my privacy. I say this due to the fact that I am not getting anything in return for having Citibank access my personal financial information other than to be added to what I have a legal right to. I also understand my wife can opt out of the line of credit protection which she was approved for because of my reluctance to a credit check, but she does not want to do so. Also, there is nothing in the overdraft policy or fine print I can find stating how or why my credit check is necessary or how it will or will not be used. I am also fully aware the soft credit inquiry being requested are used for employers/new employees, landlords/new tenants, when you check your credit yourself or for pre-approved for a credit offer which is not the case here. Actually, a hard credit check is more applicable here because it is a line of credit. After this unpleasant experience with Citibank and causing much stress between my wife and I, you can guarantee I will be attempting to have my wife switch her accounts. Thank you.
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| 03/23/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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XXXX/XXXX/XXXX someone got our info & went to Macy 's & made {$1800.00} purchase. XXXX/XXXX/XXXX, learned of charge when bill arrived ( had already learned of similar issue on non Macy account so had already done notice to credit bureaus & police report ). Called fraud number on bill to report fraud, which had NO option to talk to rep. Eventually reported card stolen as that was closest option. Choosing that option closed account & opened new one automatically. Then I could get a rep. Told rep story, learned charge made in OH ( we live in IL ) by person using SSN & fake license. Rep told me I would get fraud package to complete, could use old card until new one arrived ( which could also be used ), that I would n't be responsible for charges, & no adverse info would go to credit bureaus, but should notify them of fraud & file police report. Call took 44 min. I actually did make card purchase on XX/XX/XXXX for less than {$30.00}. XXXX/XXXX/XXXX got fraud package & returned via US mail on XXXX/XXXX/XXXX, rec 'd XXXX/XXXX/XXXX. XXXX/XXXX/XXXX got robo call from Macy 's. Called number given, which was from collections, after holding a while told volume was high & call disconnected. Called back got rep, told our history, she said she saw no notes on record & transferred me to fraud. I held for so long I called on another phone that answered first. Told history again, this rep said do n't pay bill, do n't charge anything, & he would email collections to stop calls. He said no adverse info would go to credit bureau. XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, more robo calls. Called back twice, again calls disconnected due to high volume. Called fraud #, after history, told robo call stop takes 7-10 business days, but rep said would resend email just in case. Said not to make payments ( 33 min call ). XXXX/XXXX/XXXX got live call from collections, told history, transferred to fraud. This rep said, pay valid part of bill or fees would be valid, he annotated I had been given bad info. He said he 'd stop collection calls XXXX/XXXX/XXXX, pd valid debt & sent email to contact us link re payment. Email returned for having " special character '' of apostrophe - REALLY? Resent in poor English got response that they do n't do fraud, contact fraud separately. XXXX/XXXX/XXXX called fraud # to check on case since had XXXX more collections calls & had been told resolution should be & lt ; 60 days, but got cus svc person who asked for payment. Told history, transferred to fraud # which is what I DIALED in first place. Told history, rep said resolution 60-90 days, but no credit bureau adverse report while pending. Worked with supv to address complaint ( 39 min call ). XX/XX/XXXX got past due notice from Macy 's. XXXX/XXXX/XXXX notified Macy 's credit limit being reduced. XXXX/XXXX/XXXX notified XXXX other credit card limits are reduced, history a factor. Got credit report, saw Macys reported past due. XXXX/XXXX/XXXX, called Macys fraud #, again got generic cus svr, transferred to fraud. Told history, no help, asked for supv. Lenghty holds, mult times. Supv said no timetable for clearing fraud, but would expedite write off since went back to XX/XX/XXXX. Told they do report adverse info to credit bureau, ca n't explain why I was told otherwise, but they remove after investigation clears. Sorry about other credit cards, could do letter if needed. I will notice of decision, & update to credit is a 30 day cycle so will take time ( 41 minute call ). XXXX/XXXX/XXXX Got live call from collections. HELP!
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| 05/20/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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RE : IN RESPONSE TO CFPB COMPLAINT # XXXX & XXXX. REQUESTED FURTHER INSPECTION INTO FRAUDULENT ACTIVITY My name is XXXX XXXX XXXX, a federally protected consumer, beneficiary, and private individual entity. I am making this complaint against CITIBANK N.A. for violating a cease and desist notice received by them on XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I am aware only of and not limited to, the clever fraud being guised under subtle nuances and subtexts that I will be addressing in this response to an unsatisfactory reply that was received by myself on XX/XX/2022.
I have never given CITIBANK N.A. any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached a debt validation letter, a Cease-and-Desist notice, Exhibit A, which is a copy of XXXX reporting on my consumer report, Exhibit B which is a copy of their response to CFPB complaint # XXXX & XXXX, and a FTC report labeled Exhibit C that will be used when filing for litigation in Federal Court to this complaint.
In reference to Exhibit C, there are multiple remarks that I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with CITIBANK N.A. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CITIBANK N.A. any right to collect on this alleged debt. NOR have I received any proof that Citibank mailed validation of debt to the address, such as a certified mail tracking number.
It is my belief that CITIBANK N.A. is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms.
I have never received any documentation requesting validation from CITIBANK N.A. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CITIBANK N.A. can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CITIBANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CITIBANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and CITIBANK N.A. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 05/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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1. On XX/XX/23 my Citibank Costco Anywhere Visa Credit Card was charged a total of {$350.00}. The charge was sent from XXXX XXXX to my XXXX account. This charge was not authorized.
XXXX. On XX/XX/23 my Citibank Costco Anywhere Visa Credit Card was charged a total of {$350.00}. The charge was sent from XXXX XXXX to my XXXX account. This charge was not authorized.
XXXX. On XX/XX/23 my Citibank Costco Anywhere Visa Credit Card was charged a total of {$350.00}. The charge was sent from XXXX XXXX to my XXXX account. This charge was not authorized.
XXXX. On XX/XX/23 my Citibank Costco Anywhere Visa Credit Card was charged a total of {$2500.00}. This was in the form of 7 separate transactions in the amounts of {$350.00} each. The charges were sent from XXXX XXXX to my XXXX account. These charges were not authorized.
XXXX. On XX/XX/23 I called and spoke with the Citibank Costco fraud department over the charges. I informed them these charges were fraudulent and were not authorized. My Costco credit card was canceled and a new card was issued to me.
XXXX. On XX/XX/23 temporary credits in the amount of {$3500.00} were issued back to my Citibank Costco Anywhere Visa Credit Card account. This was in the form of 10 separate credits of {$350.00} each.
XXXX. On XX/XX/23 I received an electronic notice from the Citibank Costco billing disputes department. The notice stated they needed more information from me regarding claim XXXXXXXX. They requested the information be sent back to them no later than XX/XX/23. I signed the document acknowledging the charges within the claim were fraudulent and emailed the signed document back on XX/XX/23 to XXXX as requested.
XXXX. On XX/XX/23 I received an electronic notice from the Citibank Costco billing disputes department. The notice stated they needed more information from me regarding claim XXXXXXXX. They requested the information be sent back to them no later than XX/XX/23. I signed the document acknowledging the charges within the claim were fraudulent and emailed the signed document back on XX/XX/23 to XXXX as requested.
XXXX. On XX/XX/23 I sent a follow-up email to XXXX regarding claims XXXX & XXXX. I requested that Citibank acknowledge they had received my emails and signed documents regarding these claims that were sent back to them on XX/XX/23 & XX/XX/23. I did not hear back from Citibank.
XXXX. On XX/XX/23 I sent another follow-up email to XXXX regarding claims XXXX & XXXX. I requested information on when I could expect a final resolution from Citibank regarding these claims.
XXXX. On XX/XX/23 I called and spoke with the Citibank Costco fraud department over the claims. The agent I spoke with stated that they had received all my information and nothing further was needed from me. I asked if they had a resolution yet to my claims. The agent stated the claims had been closed and that I would not be re-billed for the charges. I verified with the agent that the total credits of {$3500.00} were permanent and the agent stated yes they were.
XXXX. On XX/XX/23 I called and spoke with the Citibank Costco fraud department over the claims. Citibank had sent me an electronic notice that they didn't receive my information and that I would be re-billed for the charges. The agent I spoke with stated they did have the information and wasn't sure why it was stating I would be re-billed. The agent was going to re-forward my disputes back to fix the issue. I was re-billed for 9 of the 10 transactions for a total of {$3200.00}.
|
| 06/08/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American |
|
1 ) Placed online order XXXX through XXXX. Before completing the purchase, I was offered {$25.00} credit to be applied to purchase if I applied for Home Depot Credit Card.
2 ) Applied online for credit card, was approved, placed online order but did not receive the {$25.00} credit.
3 ) On XXXX, spoke to CSR XXXX at XXXX. Told her I was charged full amount and that the {$25.00} credit was not issued to my account. She said, " the credit was applied, will be in one to two billing cycles. If it comes after the {$95.00} bill, then can request the refund of {$25.00}. '' 4 ) On XXXX, after receiving bill of {$95.00}, I called XXXX, to ask that the {$25.00} credit be applied to my bill. Per CSR XXXX, she said, they applied the {$25.00} credit and all I owed was {$70.00}.
5 ) On XXXX, I returned a part of that online purchase at the local Home Depot store. The amount of {$47.00} was credited back to the credit card. At this point, my records showed I only owed {$22.00}. I assumed they gave me the {$25.00} credit. ( Online order {$95.00} minus {$25.00} credit, minus {$47.00} refund = {$22.00} due ) 6 ) On XXXX I received an email stating I was late in making a payment. I called the number the email stated, XXXX to question why the late notice. Spoke to CSR XXXX, who immediately said my balance due was {$78.00}, which included a late fee and late interest rate. I asked him about the {$25.00} credit. He said he could not do anything about it, that they were the collection service. I reiterated my question, that I never got their promised {$25.00} credit and I am also having to pay late fee. He said he would transfer me to a department that could help. Instead, I got XXXX, who also could not help me with the credit. He insisted that I was late and owed the late fee and late interest rate. ( At this point, they said I owed {$22.00} + {$25.00} + {$29.00} late fee + {$2.00} late fee interest = {$78.00} ) Apparently, NO ONE COULD EXPLAIN WHY I DID NOT RECEIVE THE CREDIT.
7 ) That same evening XXXX, I then went to the store to see if Customer Service could help. They said they couldn't help and asked the manager to help. He took my information and said they'd get back to me in a couple of days.
8 ) On XXXX I received an email from the credit card that they received my check for {$22.00} BUT that I owed {$56.00} ( {$25.00} + {$29.00} late fee + {$2.00} late interest fee ). By this time it became apparent that they scammed me into believing I would get a {$25.00} credit for applying for their credit card. They also unfairly assessed a late fee + interest even though I had returned product and was credited a refund, applied to the credit card, before the due date. AND, there was no recourse, no one I spoke to, who could or would help.
8 ) On XXXX I went back to the local Home Depot store, frustrated, because no one called back with any solution. I mentioned to the manager on duty that night that I hadn't received the promised call from the other manager. At this point, it became clear that I would not be able to get a " RIGHT '' resolution. I paid the entire amount off {$56.00}.
9 ) On XXXX I closed that credit card.
10 ) I am lodging this complaint against Home Deport Consumer Credit Card Services, and all the CSR 's who said the {$25.00} credit was issued, but deceived me. Also, for wrongly assessing me a late fee plus a late interest fee = {$31.00}.
11 ) Is there anyone who can help obtain this $ back? I pay my bills on time and maintain an above average credit rating.
|
| 01/19/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I opened a Home Depot credit card during a promotional period. I was supposed to receive a {$50.00} credit upon opening this account, but Citi Bank was unable to apply this to my online purchase. I was told to make my purchase in the store and they could apply the {$50.00} credit to this order. Defeats the purpose of ordering online...
They were not able to apply my credit in the store, so I was instructed to purchase the item, then call the credit card company to have the credit applied. I did this and have been assured, after multiple calls, that this {$50.00} promotional credit would be applied.
Consequently, I also have now incurred interest that - for the last TWO calls, I have been assured would also be removed. I was told they would enter this as a banking error due to an error with Citi Card posting this credit, as it was getting close to past due. I was assured also that as of and no later than Sat, XX/XX/XXXX, this will be credited and the {$79.00} in its entirety would be removed from my account.
As of Wed, XX/XX/XXXX, it's still on my account and now I'm officially past due.
" You definitely should have gotten this applied by now '' is what I consistently hear and what I head as of today. This will not impact your credit as it will be coded as a " banking error '', but it is still showing as late ; {$50.00} balance and {$29.00} interest.
My attempts to get this handled from the onset began in XXXX ( all after the XXXX epic fails upon terms of the promotion to open the card ) and below are the subsequent calls I have made in an attempt to get this handles before it got to " past due '' status.
Today I have been told it takes time, it was submitted and will take until next Tuesday. Why was I told that it would talk XXXX day in my last call with XX/XX/XXXX XXXX the XXXX day. Now it's taking 7 days to get this corrected. I asked to speak with a manager, then got XXXX ( team # XXXX ) who assured me that he'd have it corrected no later than XX/XX/XXXX. Also he assured me that the {$29.00} was removed. I assured him it was not as I was looking at my statement. He said, oh, it should be gone tomorrow for sure.
How is this allowed to happen? First they are in breech of their promotional offer to a neglecting level. Next, they can not correct what they admitted are " quirks '' with their " new system ''.
My credit will be impacted if this is not corrected asap, and this can not happen. No one has yet to take this seriously and Citi Bank has been disastrously negligent. Impacting someone's credit because of an error and negligence is absolutely unacceptable and this can potential be irreparable, not to mention offering a promotional credit that months later, I am still dealing with.
The customer service number I am contacting each time is XXXX and the last XXXX digits of my XXXX XXXX card is XXXX. I can only hope, too, that all of these calls have been recorded to validate the horrific challenges to right this months-long error on their part. The promotional sham and lack thereof to correct this mess ( I get mistakes happen, but for XXXX months and impacting my credit- not to mention the hours of time I've spent correcting this ) is unspeakably unethical and should be handled accordingly.
Calls to Citi Bank, not including the initial concerns with being able to apply promotion to both online and the subsequent store purchase : XX/XX/XXXX ( XXXX mins ) XX/XX/XXXX ( XXXX mins ) XX/XX/XXXX ( XXXX mins ) XX/XX/XXXX ( XXXX mins ) XXXX XXXX XXXX
|
| 10/23/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I wrote a complaint to your organization about Citi complaint # XXXX, however Citi claimed not having any knowledge of me being a customer of theirs so they couldnt respond to your organization about the complaint. How ironic, when I received an email from Citi stating they received a complaint from CFPB about them and that the fees are valid and they wont reverse them. The same way they could use other means of information ( such as my card number I provided ) to identify me and send me a private email about the complaint, the same information could have used to respond to your organization. They also stated I should update my email address which I did yet your organization still havent received their response to the complaint. Citi, as always, not being consistent with whatever they relay to their customers, stated in their response sent to me via email ( attached ) that I owe {$410.00}. However from the statements I received via my app it shows that they charged me {$710.00} in returned check fee some amounting to {$30.00} and others {$41.00}. Yet in their response they made it clear that all returned check fee is {$41.00}, the same inconsistencies I received from their customer representative when I called to query about the many return check fees I was seeing via my app, yet there was no evidence of returned payment/check shown The same way they could blatantly state the bank makes no errors as it relates to the fees they sneakily charged me, the bank same way the bank should rely the correct information to me as it relates to the fees I was actually charged. On my side its showing they withdrew {$710.00} in returned check fee yet in their response its stating they only took {$410.00}. As per the attachments, in their response they didnt state the fees they charged me on XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX at {$30.00} each and XX/XX/XXXX and XXXX. The information should be privy to whomever responded to my complaint, therefore the response should be outlining everything to the T. I dont want to hear any excuse as to why they so happen to miss out those days yet I was charged for it. That shows how inefficient Citi is when it comes to customers and their money, as if we pick money off the ground. I work very hard for my money and need accountability as to where its going and from the response from Citi vs the concrete evidence of the statements it shows Citibank constant inconsistencies Ive been receiving from the first time I made a deposit and my account wasnt updated immediately like it used to. After calling to find out why was that I was told by a customer representative that I shouldnt worry the funds is there it just hasnt updated. When I relayed that cony to another customer representative they had the nerve to state there must have been some miscommunication on my end, not theirs but my end. Since Citi never makes mistake I wont accept any excuse as to why the amount in fees charged differ in their response vs the actual statement downloaded by Citi on my app. Citi knows what they are doing, the fact that I would make daily payments to avoid interest, they try to find a way to get back some money from me. Worse I was getting rewards and they were getting no extra money, they needed to find a way to get back some money from me for all those 4 years Ive been with them. So they sneakily take {$710.00} from me, claiming its for returned check fees, which in their response wasnt even accounted for. Where did the difference of {$300.00} go??!!
|
| 05/19/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am currently a CitiMortgage customer. When I started going through some financial problems I reached out to do a loan modification and I was denied. I hit hard times, took out a second mortgage ( also with Citi ) borrowed from my XXXX, and eventually had to file bankruptcy. Then I lost my job. I tried to do another mod but was denied. Then I hired a lawyer because I could n't pay the mortgage. After 2 years I was back on my feet had multiple jobs ( working 15 hour days 7 days a week, just to make enough money to pay back Citi. I offered to pay all the past interest with the finance & late fees and to restart my current mortgage where I left off and was denied. Citi wanted all or nothing. Now we are going into year 6 of fighting, racking up all the fees. I am continuing to work hard to make enough money to pay back Citi but I will never catch up. We tried once again to renegotiate my loan and the only thing I was offered was to double the length of my loan to 40 years, to double the interest from 2.something to over 5.5, which in turn is doubling my monthly payments. I can not keep up the pace of 100+ hours per week, so by taking this offer which my lawyer says I have no choice or else Citi will sue and take my house I will end up defaulting again. My XXXX mortgage went from XXXX to over XXXX. My second mortgage is XXXX. My house is n't even worth this much.
I offered a win win situation. Citi would receive all interest and fees and continue my loan for the remaining 20 years at my current interest rate. I would also be able to pay the XXXX mortgage as well, even if I give up XXXX of my many jobs.
I dont understand why Citi refuses to negotiate with me and is coming after me so hard when I am willing to pay, wanting to pay for the last 3 years.
Is there anything you can do to help me?
XXXX XXXX XXXX Loan # XXXX XXXX mortgage Not sure of second mortgage loan # Now CitiMortgage has responded to my complaint with a letter stating that they tried to contact me unsuccessfully ; that I didnt have enough fund for a downpayment to reinstate my account ( as I said I had enough to pay all the interest & fee, just not the principle - they was no offer of a downpayment ) ; they said I never sent them requested documentation ( this is XXXX because I sent everything that was asked for monthly and have the emails to prove it ) ; they claim they did n't receive the LOA ( I sent that in 5 times with my XXXX lawyer and 3 times with my XXXX ). They say my hardship package was incomplete and since documents were n't received they closed my case. They kept dealing with me instead of my lawyers. I am not sure what my first lawyer did on my behalf so I fired him, but I know my second lawyer worked my case.
I feel if they are being untruthful then they need to revisit my claims and do an actual loan modification ( on that helps me so I will not default again ) instead of basing a 40 year loan on the highest income year of my life ( which will probably never happen again ). I should not have to work XXXX jobs, 100+ hours 7 days a week to afford my home.
When I offered them the interest & fees at the time my monthly payments would have been approx. {$1100.00} with 20 years left of my loan at 2.35 %. Now I am paying over {$2200.00} on a 40 year loan ( I will XXXX years old when I finally pay it off ) at over 5 %. This does not include my XXXX mortgage with the same company.
They lied and has denied me at every turn causing this to grow into something extremely unreasonable.
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Subject Complaint Regarding Refund Denial by XXXX XXXX and AAdvantage Credit Card Dear CFPB, I am writing to file a complaint against XXXX XXXX and AAdvantage Credit Card regarding the denial of a refund for my canceled flight reservation. I believe that both entities have violated consumer protection regulations in the banking and airline sectors, as outlined in the Federal Register document titled Airline Ticket Refunds and Consumer Protections ( Document ID : XXXX ). I seek your assistance in resolving this matter in accordance with the aforementioned regulations.
On XX/XX/XXXX, I purchased two tickets for my wife and child from XXXX XXXX, with a total cost of XXXX. Unfortunately, the day after the purchase, both my wife and child tested positive for Covid-19. In response, I immediately canceled the reservation but was not provided with a credit or refund by XXXX XXXX. Subsequently, I contacted XXXX XXXX ' customer service multiple times, only to be advised to approach my credit card company for a refund.
On XX/XX/XXXX, I received an email confirming the cancellation of the reservation from XXXX XXXX ; however, no refund was granted. To rectify this situation, I promptly filed a complaint with the following details : Complaint Details : Complaint Record Number : XXXX AAdvantage Credit Card : Account number XXXX XXXX XXXX XXXX Amount XXXX The merit of this complaint can be attributed to the following factors, which are in violation of the regulations outlined in the Federal Register document : Violation of AAdvantage Travel Back Guarantee : Upon opening my AAdvantage Credit Card account, I was informed by a sales agent that it includes a travel back guarantee, which covers trip cancellations. In this case, despite the cancellation being necessary due to unforeseen circumstances, I was denied any form of refund.
Reference Airline Ticket Refunds and Consumer Protections Federal Register Document ID XXXX XXXX Failure to Comply with COVID 19 Pandemic Regulations At the time of the flight cancellation on XX/XX/XXXX, the Centers for Disease Control and Prevention ( CDC ) still had the US COVID-19 Public Health Emergency ( PHE ) declaration in place. As per the regulations outlined in the Federal Register document, airlines were required to offer free cancellations if a positive Covid 19 diagnosis was encountered. However, XXXX XXXX did not honor this regulation and denied any form of refund.
I kindly request your intervention in this matter and urge you to investigate the actions of XXXX XXXX and AAdvantage Credit Card. I believe that both entities have violated consumer protection regulations, as detailed in the Federal Register document, and that appropriate measures should be taken to ensure I receive the refund I am entitled to under these regulations. I have continued to reach out to Citibank Credit Card customer Service and the complaint still is in Pending Status since XX/XX/XXXX.
Please find attached copies of all relevant documentation supporting my complaint, including the reservation cancellation email from XXXX XXXX, the credit card statement showing the purchase, and any other pertinent evidence.
I appreciate your attention to this matter and look forward to a swift resolution. Should you require any additional information or have any further inquiries, please do not hesitate to contact me. Thank you for your commitment to protecting consumer rights and upholding the integrity of the banking and airline sectors.
Yours sincerely XXXX XXXX
|
| 10/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am homeless ( in XXXX, XXXX ). I have a house in XXXX that I can not sell with only a mortgage for an addition I had to do to replace a condemned garage. I bought the house itself cash. I have not been able to pay this mortgage nor taxes, and the mortgage company keeps boosting up the money owed. At this point, I 've lost a lot of money and pretty much all my equity on the house. This mortgage company has always been shady and I 've complained before. I asked them why they have n't foreclosed and they simply said that they " charged it off '' because they did n't want it. Meanwhile, with an original XXXX loan, house worth near 70K, the loan now says I owe almost 38K after about 8 years, last year was my time of trouble, otherwise I paid okay. They told me ( after many calls/cut offs/etc ) that they send a letter to my place of residence which I got evicted from so could never get the mail. I said okay FAX a copy to the XXXX XXXX XXXX XXXX XXXX ( who are taking care of me ) and they said they did n't have a copy - although they had verbally read the contents/etc off to me on the phone. I have this one thing for XXXX left to get help and I can not get it. I even sent DHHS my credit report showing the charge off. Food stamps a must, plus SSI and XXXX for XXXX. Luckily I finally go XXXX. Help. How can a mortgage company pull this. Why ca n't DHHS work with me - I 've visited them, called them, got info to them any way I can. They 've already got so much money out of me with high interest, fees, etc. Help. I will forward what I sent to the Federal Reserve. All the info is there. My number is XXXX. XXXX XXXX XXXX in XXXX XXXX.
I hope you can help. Thank you.
Oh, and they are CitiFincial in XXXX XXXX ( I think. The name, location of account, etc kept changing, etc ) XXXXHere : Your submission, [ Case number : XXXX ] XXXX PS XXXX I 'm not concerned about foreclosure - I WANT them to foreclose and they refuse.
Consumer Financial Protection BureauReply|To : XXXXXXXXXXXX ; Thu XXXX/XXXX/2015 XXXX XXXXWe received your submission from the Federal Reserve and will review it as soon as possible to determine if it involves a Federal consumer financial law within our authority.
Depending on what we find, we will : Send your complaint to the company for a response ; or Send your complaint to the appropriate regulator or help you get in touch with your state and local consumer protection office if your complaint is not within our authority ; or Let you know if we need more information to continue our work.
While we ca n't give legal advice or represent individuals in legal matters, if you want more help you can contact a private attorney or your local legal aid office for free or low-cost legal resources at www.lsc.gov.
You can register to track the status of your submission at : XXXX.
New CFPB mortgage rules protect borrowers and make it easier for them to get the help they need. Submitting a complaint wo n't automatically stop or delay foreclosure, but if you 're behind on your mortgage, or having a hard time making payments, call us at ( XXXX ) XXXX ( XXXX ). We can help you find a housing counselor in your area who can develop a plan of action for your situation and help you work with your mortgage company. Foreclosure prevention help is free and special assistance may be available to military members or veterans. You can find more information on mortgages at : XXXXThank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX )
|
| 08/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
On Wednesday XX/XX/XXXX, I was trying to make an online ACH transfer from my Citibank savings account into my credit union checking account. The Citibank software would not allow me to complete the transaction. They said the account wasn't linked, but it was the same account that I had used to fund the Citibank account in the first place. Citibank has the worst software for a financial institution that I have ever used. After speaking with several representatives and being on the phone for over an hour, Citibank required me to have an ATM card with a pin to complete the transaction. They said they would overnight a new card and pin. I was also told to do a wire transfer instead of an ACH transfer when the ATM and Pin arrived. I was expecting both to be delivered the same day. No such luck. On Friday XX/XX/XXXX, I received the ATM card and had to wait until Monday XX/XX/2023 to receive the pin. When I received the pin, I immediately went online and tried to activate the card to complete the transaction. I entered the ATM and pin and it would still not let me enter my account. I tried several times and then I called customer service and was on the line for 1hr and 46 minutes. The account was finally unlocked and I initiated the wire transfer to the original checking account that the money was deposited from. I used my wife 's name as she is the primary owner of the account. I was then sent to the fraud center, because I was told my wire transfer was on hold for 48 hours and then 48 business hours and then 48 hours again. They couldn't read the script correctly and I still don't know what the correct answer is. When I answered all of their questions concerning the fraud and the security questions correctly, they still said that the funds were on hold. I asked for the reason and they said it was a new beneficiary ( again note it was the same account that I used to open the Citibank account in the first place ). This is not a reason to hold my funds from me. I answered all their questions, had the latest ATM card and pin number that should without a doubt prove that I am the lawful owner of the account. I believe the call center was vindictive towards me and would not release the funds. The customer service line was useless and frustrating to say the least. These funds were needed for a timely reason and now this in jeopardy. I allege the Citibank used unfair and deceptive means to keep my lawful funds from my possession even after successfully speaking with their fraud prevention center. The final customer service supervisor I spoke with was XXXX, the rudest of all and wanted to hang up on me but couldn't until I allowed him to. He also placed me on hold to see if I would hang up. The Citibank document number I was given was Document # XXXX. I don't know if this exists, but I am filing an official complaint against Citibank. I waited 120 hours and then I was told I would have to wait another 48 hours or 48 business hours before granting me access to my money. They have prevented me from accessing my money. The lost of interest on my account, the interest that Citibank made by holding my funds and the missed opportunity was costly. I will never do business with Citibank again and recommend no one else do business with them. Please inform me of my next steps, how to prevent Citibank from using these practices against other customers and any legal options that I have to pursue damages against Citibank and their call center for willfully withholding my funds.
|
| 08/27/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was XXXX critical need for my agency protecting the agricultural interests of the USA but in another country for XXXX months last year. My last XXXX was not voluntary the just kept me as a needed highly skilled asset for my profession. I received an email from city bank mortgage that letters they sent to me were returned. This is true so much mail came in my absence that the postal inspector for my area started sending letters return to sender. This proves that I did not receive notification of what they were doing. I checked my banking statement online when I got back and to my shock and awe my mortgage payments were up by over {$250.00} per pay period of which we have XXXX XXXX per year. So at XXXX times per year the increased my monthly payments to over {$750.00}. I called the Citi Bank Mortgage section to find out what was their major malfunction. They told me that I had a past {$420.00} +/ outstanding real estate tax debt with the county. The also said since my current real estate tax bill was due soon that they have executed a forced escrow. Now mind you the XX/XX/2014 bill still had time for me to act through XX/XX/2014. On top of that they threw in for good measure fees to cover water, sewage and utilities. I do not pay for any of those services and there are never bills charging for those. In fact I build my house from a the ground up from a clearing in the woods. I paid for the well, plumbing to the house and the septic system to be installed.
I view Citibank 's piggy backing to those charges as malicious and predatory at the least obligatory parasitic. I did get to talk with someone with citi Bank and got a reduction in charges for the Water, Septic and utilities but what remains strange to me is that the charges to me are way more substantial that what I owed for the taxes which again were not due in XX/XX/2014 until XXXX and city Bank paid them while I was XXXX in XXXX. Next steps the whole process has upset my finances and budget to the following occurrences whereby the upset my budget and recurring payments.1. My electric coop has denied me access to their scheduled payments for service due to non sufficient funds in my account.2. My Auto insurance was cancelled due to non sufficient funds.3. My house insurance was cancelled due to insufficient funds in the account.
Now as a result of this Citi has put into place an insurance policy estimated by me to cost me some {$5200.00} for the year and the new fleecing they are robbing for accounts to an increase from before I left the country last year to work from {$990.00} PER PAY PERIOD Every two weeks to now {$1300.00} this amounts to over {$700.00} monthly in mortgage payments to Citi. If I was making XXXX a year that would still hurt.
Thus at this point there is no point in going out to pay for a home that is underwater I will never own and at this point of taxation I ca n't eat, heat or light my home, nor insure it, the cars or enjoy any sort of life style. At this point it would be better to move back to the family farm down south and live off the land. I can not continue to just subsist here with the horrible conditions imposed on me by Citi Bank Mortgage Would not be able to retire next year. It is giving XXXX and XXXX at this point. Thus I heard about your agency from the news this morning about out Military working men and women being gouged by unscrupulous individuals in areas of military bases.
Thank you for listening it helps a little but the XXXX, XXXX and XXXX persist, XXXX
|
| 09/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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I requested Citibank discharge or offset the balance on my Sears Citibank Mastercard to the US Treasury in accordance with Public Policy HJR 192 of 1933 et al. However, Citibank has ignored my written requests, they have kept the documents provided to them needed to perform the discharge ( i.e. two 1099a forms, two remittance coupons, affidavits and notices of acceptance for value ) and they continually call me without my permission. When I reach out to them via online messaging they refuse to provide me an opportunity to follow up with them via email in order to preserve my rights. I am submitting in PDF a copy of the documents ( Notices of Acceptance for Value, Affidavits, 1099a, remittance coupon, exhibit ) sent to them via certified mail in XXXX, XXXX and XX/XX/XXXXXXXX and proof of delivery via the USPS website.
Now that Citibank has illegally refused to perform the discharge and are in default because they failed to provide a notice of dishonor from a qualified third party such as the US Treasury, they are illegally charging late fees in violation of 15 USC 1666 ( b ) which states under ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX I called Citibank at XXXX to request removal of the XX/XX/XXXX late fee but XXXX, the representative said the system would not allow her to remove it. She even tried to get help from a Supervisor but the system blocked them from removing the late fee.
As proof that the balance is supposed to be discharged and returned to the US Treasury please see the following laws : All debts are the obligation of the US Treasury as shown in 18 USC 8 Obligation or other security of the United States defined : The term obligation or other security of the United States includes all bonds, certificates of indebtedness,, coupons, XXXX : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, notes % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX The term coupons refers to the same coupon all credit card companies such as Citibank issue every month to consumers which is the detachable stub at the bottom of each months billing statement.
As further confirmation that debts are the obligation of the US Treasury see 31 USC 23 or 31 USC 3123 Payment of obligations and interest on the public debt : ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt XXXX XXXX XXXXXXXX According to HJR 192 of 1933 the gold standard was suspended and the requirement of a particular type of payment is inconsistent with the declared policy of congress. Every obligation shall be discharged.
Whereas the holding of or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction : Whereas the existing emergency has disclosed that provisions or obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United Statesobstruct the power of the Congress to regulate the value of the money of the United States, and are therefore inconsistent with the declared policy of the CongressEvery obligationshall be dischargedThe term obligation means an obligation ( including every obligation of and to the United States ) XXXX : XXXX
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| 06/14/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I feel that I have become the victim of unscrupulous debt collection agents that have taken extraordinary actions to deny my due process rights.
The first Alleged Plaintiff is XXXX XXXX, XXXX, the garnishee is listed as, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ID : XXXX, Their agent is XXXX XXXX, attorneys for the plaintiff is the XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ID Number XXXX, represented by the following attorneys filing this Garnishment with my employer, XXXX XXXX XXXX ( # XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ). This action was filed in the Manistee Justice Court of the State of Arizona in and for XXXXhe County of XXXX Case # XXXX in Surprise, Arizona, notarized by a State Notary, XXXX XXXX XXXX XXXX XXXX, State of Oklahoma, and approved for the plaintiff with a stamp from a Justice of the Peace. At no time was I given the opportunity to challenge this action nor, did I consent to have my case heard before a Justice of the Peace, along with not receiving instructions on how to challenge the filing, Also, I was unable to verify the date of the alleged debt.
The second alleged plaintiff is XXXX XXXX I, as assignee of Citibank, represented by the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : Number : XXXX whose attorney for the plaintiff XXXX XXXX ( XXXX ) is attempting to file a civil action in the Manistee Justice Court to be heard before a Justice of the Peace, Case # XXXX. At no time was I given the opportunity to challenge this action nor, did I consent to have my case heard before a Justice of the Peace, along with not receiving instructions on how to challenge the filing, Also, I was unable to verify the date of the alleged debt.
All the above entities are associated with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Number : XXXX, their law practice is listed as temporarily closed and the phone number listed has been reassigned. XXXX XXXX is currently doing business as XXXX XXXX XXXX XXXX, which is the plaintiff represented by the XXXXXXXX XXXX XXXX XXXX, in Justice Court.
XXXX XXXX XXXX are for small claims and civil suits that do not seek an award of more than {$3500.00}. They are designed for people to be able to represent themselves in court. Small claims court cases are held in Justice Court locations. There are NO juries, NO appeals, and NO attorneys allowed in small claim cases. Attorneys ( unless representing themselves ) can not appear, take part in the filing, or represent either side unless everyone agrees to it in writing, I did not consent to have my case heard in a Justice Court outside of the city in which I reside.
On Tuesday, XX/XX/2022, I contacted all parties concerned to inform them that I would be filing this complaint in 13 days should we fail to reach a resolution in this matter, the law firms were contacted by both Email and the United States Postal Service, Certified Mail, that effort was not successful leaving me with no option other than to file this complaint.
The XXXXXXXX XXXX XXXX XXXX is currently taking more than 25 % of my disposable income, with an order from a Justice Court stamped by a Justice of the Peace that I was not provided the opportunity to contest. They used 40 hours as a base, due to the pandemic, my hours have been cut due to lack of work, yet they are still taking 25 % of my pay based on a 40-hour work week.
. This has created a financial hardship for my family.
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| 05/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2022, we went to dinner at a Restaurant XXXX XXXX XXXX, Missouri called XXXXXXXX XXXX. Our total bill before tip to the server was {$160.00}. We attempted to pay with our Citi credit card. Citi blocked the transaction for concern of fraud. The server swiped the card into the payment system 5 times because they received the declined message at their point of sale system. The server returned with the card saying it was declined, so we paid with our debit card from XXXX XXXX XXXX, adding a tip of {$40.00}, bringing the total to {$200.00} ( attached document titled XXXX XX/XX/2022 Statement shows the payment from the credit union to XXXXXXXX XXXX processed on XX/XX/2022 ). At this point, I opened the Citi app and noticed an alert for the declined transaction asking if we had made the transaction. When I selected Yes we were attempting to use our credit card for the purchase, a notice came across the screen saying to pay again as they had stopped the previous transaction. I also received a text message from Citi that they stopped the transaction, as well as an email ( attached documents titled Text Message and Citi Fraud Alert Email, I do not have screenshots of the in-app notification, but the text and email document that Citi did decline the transactions ).
On XX/XX/2022, I noticed the 5 original transactions for {$160.00} were charged to the Citi card ( attached document titled Citi Statement shows these 5 transactions ) and filed a dispute with Citi for these transactions ( attached document Citi Dispute Opened Emails show the 5 email receipts from opening these disputes ). When I opened the dispute, Citi requested documentation that we paid XXXX XXXX via other payment method, which we supplied a sent screenshot from XXXX XXXX XXXX as the statement had not yet been processed ( attached document XXXX Screenshot ) On XX/XX/2022, I received notice from Citi requesting a signed statement that we paid via another method ( attached documents Citi Need Info Email ) and sent the requested signed letter stating the method was paid in another form ( attached document Citi Signature Letter ) and emailed it to their billing dispute email as request ( attached document XXXX Email to Dispute ).
On XX/XX/2022, I received notice the original letter was illegible for their processor and the dispute was closed with instructions on how to reopen the dispute. I responded with an updated copy of the requested letter via email ( Attached Document Citi Signature Letter 2 and Updated Dispute Letter ).
On XX/XX/2022, I received notice that Citi needed an additional letter with the signature requesting similar information. I supplied this letter via another email to Citis dispute email address which can be seen in the Updated Dispute Letter email ( attached documents Updated Dispute Letter and Citi Letter 2 ) On XX/XX/2022, I received notice that Citi needed the letter mailed to them with the documentation that the transaction was paid for via another payment method ( attached document Action Required Letter and XXXX XX/XX/2022 Statement ). I mailed this letter on XX/XX/2022 via USPS to their requested address XXXX XXXX XXXX, XXXX XXXX, SD XXXX.
On XX/XX/2022 I received notice that the dispute was closed and Citi was unable to resolve in our favor ( attached document unable to resolve letter ).
At this point, I believe we have been beyond patient with Citi and followed all requested steps by Citi and provided adequate documentation to resolve the issue.
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| 06/16/2016 |
Yes |
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Web |
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Dear Agency : 1. RESPONDENT ( S ) failed to rebut, answer, or respond, to Conditional Acceptance Upon Verifiable Proof of Claim, and Certificate of Mailing, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, 2016 ; with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability, with evidence attached, of all statements herein made being false, and a copy with all evidence and a copy sent to undersigned for rebuttal or acquiesce. That Conditional Acceptance upon Bona Fide Proof of Claim gave you a reasonable deadline to perform. And, at no time before then, or after then, have you requested a reasonable extension of that deadline. To date, RESPONDENT ( S ) failed to rebut, address, answer, or respond in this matter, you have chosen instead to fall completely silent. Accordingly, RESPONDENT ( S ) is now in default as against undersigned 's Conditional Acceptance upon Verifiable Proof of Claim, and Certificate of Mailing. Under the doctrine of " qui tacet consentire videtur, " he who is silent is taken to agree '', " silence implies/means consent ''. Moreover, under the doctrine, your silence has activated estoppel in this matter.
2. I do not consent to your agency assigning disputed debts to law firms and third-party debt collectors without informing them that the debt is disputed.
3. I do not consent to your agency contacting consumer with the intent to annoy, abuse, or harass consumer into paying.
4. Your agency is prohibited from reselling any debts associated with the above matter, to protect consumer from the potential harm that results when debt collectors continue to sell and resell debts that may be inaccurate or lack the business records and information needed to collect them.
5. If your agency attempt to collect on debts by suing consumer in court, please take notice that the consumer will file the Conditional Acceptance upon Verifiable Proof of Claim, and Certificate of Mailing, USPS Certified Mail Delivery Confirmation and this AFFIDAVIT OF NON RESPONSE.
No assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE - W ITHOUT RECOURSE - NON-ASSUMPSIT NOTICE IS HERE BY GIVEN, this document stands under the doctrine of " qui tacet consentire videtur, " he who is silent is taken to agree '', " silence implies/means consent ''. Failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. Failure to rebut, address, answer or respond in this matter by XXXX XXXX, 2016 created a Default Judgment and Declaratory Judgment of the facts stated herein being true. Failure to rebut or continued acquiesce, failure to address, answer or respond in this matter XXXX XXXX, 2016 created a Summary Judgment. Further Failure to rebut, address, answer or respond in this matter by XXXX XXXX, 2016 created a Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under " full faith and credit '' in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
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| 05/13/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
Servicemember |
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your bank error and arb and sc suit Inbox XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX PM ( 8 days ago ) to joan.haslam, me Dear XXXX XXXX, I was told to reach out to you to settle this matter out of court. I submitted my claim for arb in XXXX and XXXX through XXXX XXXX attorneys. They suggested I use a criminal and civil attorney and press charges against the Citi employee who committed fraud.
Over a year ago, at least, I told the citi branch on XXXX in XXXX Ca to close account as well as by fon, chat, and email to XXXX XXXX. I also told XXXX XXXX needed the bonuses he left off and he promised he would get them. They were XXXX for meeting activities for the over XXXX accts and the ref bonus of XXXX. Neither were paid. I also told XXXX I needed the refunds coming in from XXXX and XXXX, totalling XXXX ( and other merchants ) when they came in. Still no answer. No one speaks english on that joke of a customer svc line and they just hang up. They understand NOTHING and are NO HELP. So now I am out about XXXX.
Then a year later, you write me telling me an IRS check was cashed on acct I CLOSED that was way past its legal tender date by law and statute..over a year old. I didn't cash it and that could be verified. Apparently when some of the refunds came in, totalling XXXX, it reopened ( or you just never closed which you are notorious for ), and wiped out my money when this mysterious IRS check opened to a closed ( verified by my above correspondence and videoed and recorded calls and visits ). How does this happen? Well XXXX was fired and he had access to all this.
I wrote to IRS and they did a long investigation and wrote back saying they determined some sort of fraud on Ciit 's part but have not done anything. I just wrote the IRS back with my found information.
So XXXX out the XXXX and the worst part is I had excellent credit my whole life which allowed me to invest and get bonuses like the ones you didn't pay. I lost XXXX this year alone on the bonuses because you TANKED my credit with all this and I can't open any type of account going on 5 months. It has been a nightmare. My lawsuit provides for this damage in the amount of XXXX and immediate repair and removal of all negative reports and remarks to my credit and interest accruing until it is done and proven. I also am asking for punitive damages as this is clearly not only a breach of contract case, but also lack of fiduciary duty.
The total to settle out of court, notwithstanding legal fees that could accrue until my check is cashed, is XXXX. There is no provision in this settlement at all for my lost time from work, and the horrific stress and XXXX XXXX, especially in dealing with your " customer service. '' If this settlement offer is not met, I will move forward the above and include the 10 percent ( very low side ) for punitive and above special damages, file more regulatory complaints and feedback reviews, and the filing and legal fees, totalling the case to nearly XXXX.
This will be my only offer and then I will hand over to the XXXX XXXX legal team. I can not provide you with anything because you did something to my login but you have access to my statements, documents, check and correspondence. All I have are my emails to XXXX instructing acct closure and refunds.
The other bank documents I have seen but would just subpoena them and add that to the case cost. I think you will agree settling out of court is our best interest.
Thanks XXXX XXXX XXXX atm card XXXX and there is savings
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| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
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Consumer Financial Protection Bureau XX/XX/2021 Ref : XXXX XXXX Citibank Credit Card No Ending : XXXX XXXX Complained Ref No : XXXX RE. : Complaint against Citibank Credit Card and XXXX Hello, During XXXX of 2021, my credit score plunged XXXX points in response to Citibank reported over the credit line transaction that was unexpected and unannounced interest charge by the bank on my account. I communicated the matter with Citibank customer support who gladly forward to me a letter notifying me that Citibank had requested the credit agencies to remove over the credit line from my credit report, see copy attached. Apparently, up to todays date this matter is not resolved and still being swung back and forth for over three months now, and no clear idea is given by either Citibank nor XXXX, to investigate the matter and restore my credit score, regardless how many times or requests I had to place with them.
The sequential of the dates related to this matter was as follows : On XX/XX/2021 I paid {$2200.00}, the total balance of my Citi credit card, so I had XXXX balance.
On XX/XX/2021 I received an offer from Citi via mail to transfer other credit cards debts to Citi card for 0 % or 0.99 % interest rate.
On XX/XX/2021 I called Citi and processed the offer and according to Citi representative the maximum I could get was {$6900.00} since {$340.00} were reserved for the balance transfer fee. Total of both were {$7200.00} which is equivalent to my credit limit, {$7300.00}.
On XX/XX/XXXX, unexpectedly, my account was charged {$21.00} + {$0.00} as interest rate. This charge put my credit line above the credit limit, and hence automatic reporting of the transaction occurred and it was reported to the credit reporting agency XXXX. I knew of the transaction at a later date when I was alarmed by the sudden plunge in my credit score, which was a drop of XXXX points at once.
On XX/XX/2021 as I became aware of the problem, I contacted Citi bank to rectify the problem. Over the course of many calls, I received a letter from Citi bank dated XX/XX/2021, copy attached. In this letter Citi Bank notified me that a request was sent to the three credit agencies to remove the over credit line comment from my credit report. In the same letter I was asked to allow 30 days to process such request.
On XX/XX/2021 after seeing no correction was made, I filed a dispute with XXXX on the matter and faxed them Citi Bank letter dated XX/XX/2021.
On XX/XX/2021 I saw no correction made to my credit score so I contacted XXXX to check on my dispute status. I was informed that Citibank had responded on XX/XX/2021, and denied my dispute as the transaction was accurate.
Here is the bottom line : my dispute is not about the accuracy of the transaction, rather is about the timing and circumstances that let to such transaction to occur. It was solely based on the mis-information I received from Citi Bank representative while processing the offer to transfer other credit cards balance to Citi Credit card . The Interest charge on my account came as unexpected and unplanned, contradicting very good faith invested in the matter. Furthermore, Citi Bank had acknowledged and honored to rectify such reporting as shown in the attached letter. However, the problem is not solved yet regardless how much contacts or appeals I had filed with them to reverse the damages on my credit score.
Please help me to resolve this matter.
Best Regards, XXXX XXXX My email Address : XXXX My phone number : XXXX
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| 12/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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For all of these transactions listed below, there are recorded conversations, as we ask each time we phoned to ensure these calls were being recorded for 'quality and training purposes '. On XX/XX/XXXX, we received letter from XXXX XXXX XXXX that we would be awarded {$100000.00} for damages to our home from Hurricane Harvey and that the check would be arriving in the mail. On XX/XX/XXXX, we received letter from Citi Mortgage advising us that they would be selling our loan effective XX/XX/XXXX. We saw a 'train wreck ' happening here with these dates, i.e. our insurance check on its way, and this transfer of our account to another lender. We knew the check would be in our names with a requirement for Citi Mortgage to sign off as well, and that the mortgage sign-off would be the 'bottleneck ' to get our funds to repair the house. So, we decided that we would rather pay off our mortgage ( ~ {$70000.00} ) and use the remainder to repair our house ( ~30,000 ). So, we phoned Citi Mortgage Help Desk to find out how we could mitigate this train wreck. The person on the help desk informed us that we had to : 1- Request a payoff for the loan 2- Draft a letter stating that we authorize the funds to pay off the mortgage and refund the balance 3- Endorse the check and mail this to Citi at address of XXXX XXXX XXXX -- XXXX Ohio. On XX/XX/XXXX, we finally received our check from the Insurance, so we sent the check and all the above information to the address above with 'overnight ' shipping ( ~ {$25.00} ) so that it would arrive at Citi on Monday XX/XX/XXXX in time to avoid being in the aforementioned 'train wreck '. So, Monday and Tuesday, we waited and we did n't receive any correspondence ( phone or e-mail ) from Citi regarding this important transaction. So, Tuesday afternoon, we phoned Citi Mortgage Help Desk to ask about this payoff. We were routed to a new person on the phone, and after we explained everything, they told us that they received the check, but were just holding it, because our account was set to transfer to XXXX XXXX the next day. Of course, we were very upset about this, and we asked to escalate to a supervisor. We discussed with supervisor XXXX, who assured us that she was so sorry that this was happening ( in her very well trained de-escalation protocol ) and that she would investigate to see what could be done, and would phone us back. XXXX did not return our phone call. XX/XX/XXXX, we phoned Citi Mortgage Help Desk again and left a message ( s? ) for XXXX asking what she had found and, again, we received no return phone call. We were advised that it would be 6-7 days before XXXX XXXX XX/XX/XXXX XX/XX/XXXX would establish our account and recognize us as a client as we discussed with someone from Citi Mortgage Help Desk requesting payoff of our loan and requesting refund of the balance. At this time, we are informed that they dont know what happened to the check. So, of course, we are enraged.
We asked Citi Mortgage to 'pull ' our account information, and not to transfer our account since we had already signed all the necessary paperwork and expressed to them that we wanted to use the funds now in their possession to pay off our loan. We received no help or information from Citi Mortgage, and read on to see what 'train wreck ' their lack of initiative caused this homeowner -- We are now 45 days past the initial contact with Citi Mortgage XXXX and we still do not have our money from our insurance -- see XXXX ' complaint against XXXX XXXX .
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| 12/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am a Citi AAdvantagePlatinum Select Credit Card customer and made an online purchase on XX/XX/XXXX to XXXX for a one year XXXX XXXX XXXX print and digital subscription in the amount of {$180.00}. After more than a week of no service - either print or digital, I tried contacting the company. XXXX has no contact information on its website so I contacted Citi AAdvantage to dispute the charge due to non delivery of services. I then researched and found the XXXX XXXX XXXX XXXX site, contacted them to order the same subscription which turned out to be {$30.00} less. The second subscription purchase was made on XX/XX/XXXX for {$150.00} and I had the digital service before the phone conversation ended and the print delivery began 2 days later. To date I have received nothing from the subscription ordered from XXXX. The XXXX XXXX XXXX XXXX communicated that XXXX has no affiliation with their site.
When the original dispute was filed, Citi AAdvantage refunded the {$180.00} and a chargeback was sent to the merchant. The merchant XXXX XXXX XXXX emailed me that he had been notified by Citi of a problem with the purchase. The email further stated that they were sorry for the problems and could either provide the full service ordered or issue a refund. In the same email, sent by XXXX XXXX, he stated that " I can see we have started the subscription and set up the digital access ''. This was and is completely false. I responded by email, stating that by this time, XX/XX/XXXX, almost three weeks has passed and I have received neither the print or digital XXXX subscription for which I paid. I requested a full refund. After the email request I received nothing further from XXXX XXXX or XXXX.
XXXX sent a chargeback verification for the subscription to Citi AAdvantage in response to the bank 's request which shows I paid in full and the card was not fraudulent. Citi AAdvantage reversed the charge and reinstated the {$180.00} on my bill.
I disputed the reinstated charge for a second time asking the bank to investigate the XXXX site and reimburse my payment for services not received. The following information was provided to Citi AAdvantage for further review : The XXXX phone number listed on my credit card statement XXXX XXXX NY is a XXXX based number assigned to a company named XXXX.XXXX- Tx ; the chargeback evidence submitted was processed through XXXX with a XXXX XXXX address , no phone number only a fax number, the business location shown on the XXXX chargeback is XXXX, NY and the website on the XXXX invoice is XXXX XXXX XXXX with a statement description XXXX ; the XXXX XXXX XXXX is not a site listed on the internet DNS address could not be found. The business description states " Pay per subscription, we charge the customer as soon as they receive their first issue ''. Nothing about this site adds up and appears to be an internet scam.
Based on the above, I am requesting a refund for the {$180.00} purchase for services not received through XXXX along with the {$38.00} interest charged for deducting the purchase price while still under investigation. I also request a full investigation of the the aforementioned websites and XXXX XXXX. This is the first time in 25 years as a card holder that I have ever been forced to pay a merchant for products never delivered and if Citi AAdvantage will not protect their customers when these incidents occur, internet scams or other legitimate merchant disputes then all of their customers are vulnerable and underserved.
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| 11/22/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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CITIBANK IS DENYING ME ACCESS TO MY ACCOUNTS AND NO CAN SEEM TO FIX IT. MY ACCOUNTS ARE IN GOOD STANDING.I can not gain access to my credit card accounts and bank account with Citibank because when I try to log on it has a screen that keeps saying unless I activate my card I can not access ANY of my accounts. I have spent hours on the phone 2-4 hours and still not received any results. I NEED ACCESS TO MY ACCOUNTS!!! I have now called again today and been transferred twice and then the third time I was hung up on. NO ONE SEEMS TO KNOW HOW TO FIX THIS! Now I have been given a new phone number to call. I am just going to keep typing to give an example of my phone calls. Now they say they want information I can not access because I do all of my business online. I can not give them what they want because I can not access my account. Do you know your savings account number?? I don't maybe I should. But I can give them my security word, all of my credit card numbers every bit of information and now they are transferring me again. Oh now they have tried to tell me to go to a standing bank well there is not a single one where in my state that I can find. Only ATMS. They have now transferred me to a supervisor and she it telling me she can not help me that I need to call a different division back. And after explaining this again she now has either put me on hold or something without telling me. I am still connected but no one is talking to me. Now after 5 minutes of silence it hung up on me. So starting over with another phone call. Now they are saying it is because that card is expired as of TODAY. Well why did I not get a new one. They are saying they have no record of it being sent when I asked. I am being told that this is the problem. And, that they will send me a new card that I can put in this page that keeps blocking me. However they will not overnight it to me because they don't do that. They can only expedite it. I have tried to deal with this many times and now this is what they are saying will fix it. How come not one else was able to see this when I asked over and over again. This it totally a screwed up situation when you are being denied access to 4 different accounts because of one card that I can not find the number of because I likely cut it up because I would not use it and because of using only online banking I do not have paper statements of the actual account number. Oh and now I am transferred back to the credit card department when I said I wanted statements for my accounts. The person that transferred me said they could email me statements, now I am being told that they can only send them by mail. I explained that I do not want anything by mail because I have had things stolen in the past and my accounts accessed. I was told that I was being transferred to a supervisor. I ended up at tech support again. Which I have already talked to many times. AGAIN I feel like I am loosing my mind when I have to start over again. I feel like no one is listening when I have to repeat myself too with things I have already explained to the person I have been talking to. Like I already said I do not want statements mailed and then I am asked again by this same person if I want statements mailed because that I what they can do. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now today the total time spent on the phone call is around 3 hours with no other results. I should be getting paid for this.
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| 03/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XXXX, my credit card issuer, CITIBANK XXXX XXXX XXXX XXXX, informed me via fraud alerts via text message, of potential fraud occurring on my account.
On XXXX, I contacted CITIBANK via phone and was informed of several charges and attempted charges from XXXX, that were potentially fraudulent. I had not used that particular credit card for several weeks, so I was able to confirm that ALL of the charges and attempted charges referred to, were indeed fraudulent.
A review of my account online, showed three fraudulent charges that had gone through. Two of the three charges were apparently successfully disposed of by CITIBANK.
However, a third charge for {$100.00} to a XXXX *XXXX XXXX XXXX XXXX, was disputed by the overseas seller. On XXXX, CITIBANK informed me of this dispute. On XXXX, I responded to CITIBANK, via their designated email address, with a declaration that the charge was indeed fraudulent.
Furthermore, on my XXXX reply to CITIBANK, I included a memo and photographs, giving evidence of the details of how the charge was fraudulent.
On XXXX, CITIBANK informed me that I had to pay the disputed charge, because the seller had provided documentation that merchandise had been delivered to me.
A review and some quick confirmation of the documentation provided by the seller, versus the information that I provided CITIBANK, would indicate to a skilled investigator, the mechanics of the fraud perpetuated by the seller.
I am a retired investigator and this kind of fraud was unknown to me until I received the dispute to CITIBANK from the seller. Once I had all the elements in front of me, it was clear how the fraud was conducted ( subsequent to the point of someone illegally obtaining my credit card and address information ).
The seller mailed me a blank sheet of paper, from an address that did not match the name shown on the billing statement. A commercial mailing service was used, in which a USPS tracking number was generated. The seller mailed me a plastic envelope containing a single, blank sheet of paper. I was not expecting this in the mail and did not know what it was or who it was from. Since this was occurring simultaneously as the fraudulent use of my credit card, I suspected that it might be somehow linked.
Later on, when the dispute by the seller came in from CITIBANK, I then understood how the fraud workedand am dismayed that when I informed CITIBANK of itthat their investigators did not immediately pick up on it.
The envelope mailed to me, since it had a tracking number, showed that I had received something. But it was not whatever the fraudulent seller had indicated on their dispute paperwork. Again, I received an envelope containing a blank sheet of paper. That is the key to the seller fraud in this instance. They can claim that I ordered something and that it was received at my address.
Fortunately, I took a photo of the received envelope from the seller. A little bit of investigative work by CITIBANK, via the shipping service, would show that the item in the envelope was a lightweight item ( in this instance a piece of paper ), as opposed to a pair of shoes that the fraudulent seller claims that I was sent.
I make a request as long time customer of CITIBANK, that they actually conduct a simple investigation, using no more than an investigator sitting at a desk at his/her computer, and the memo/photos/information that I sent them.
And then erase the fraudulent {$100.00} charge from my credit card.
Thank you.
|
| 02/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I called the bank to cancel said card because they had issued my Daughter a card on my account months before this I did not request this my daughter did she told me about it I did not care because same bank refused to issue my wife a card prior at my request after they gave her the card I told my daughter she had to pay the bill not me as I do not use the card she charged it up to XXXX when I called bank they not only did not close account but sent new cards I got 3 days after I requested closer of said account I called again asked them what the XXXX they were doing why was this account not closed there were trying to cover there XXXX for issuing my daughter a card and thought I would activate them I did not so after they close the account on XXXX XXXX they never sent me a bill so my daughter never paid it as we never got a bill in XX/XX/XXXX I get letter saying your past due XXXX I called bank when I brought up issue of no bill supervisor claims I got e-mailed bills I have never in my life had any account of mine sent to my E-Mail then I ask to remove all charges due to their error and 3 times 2 in XX/XX/XXXX and in XX/XX/XXXX ask the bank to put this bill in my Daughters name and send her the bill they refused so this bill also showed on my Daughter credit report after I paid it up to date on XX/XX/XXXX of XXXX which no my daughter owes me and my wife this bank removed this info off my daughters credit report like she never was on this account that was yesterday XX/XX/XXXX when my daughter said it was on there day before then even though I called and it save paid up to date no payment due in this billing period for XX/XX/XXXX I get paper bill claiming I owe XXXX on XX/XX/XXXX now how the XXXX does a bill go from XXXX to XXXX in like 2 weeks owed all dollar amounts over XXXX was directly related to charges they tape on from closer date in XX/XX/XXXX from not sending a paper bill I actually ask for all documents from closer date to date XX/XX/XXXX they have not provided such to me I got ask XXXX XXXX question by the bank like you did now you owed money or you closed account you still owe money you didn't know, I know this I paid it up to date for charges I did not owe them and they took my card payment so they collect money from me that makes this a fraud charge by doing so does not matter if they are a bank the money owed was due to their mistake they refused to fix after issuing my daughter a card on my account then not sending me a bill after closer of said account and I can pay this off anytime I want but my daughter owes 100 % the bill I do not pay off daughters debts she's can pay it every month, my main issue is you denied my request to give my wife a card who makes over XXXX a year and XXXX credit score yet you issued my daughter one with limited income and a very low credit score how the XXXX does the bank explain that one and at no time did my daughter do anything I knew about what she did after she did it like I said she is responsible for this debt not me and bank removed it off her credit report and it shows 90 days late on mine that needs fixed I'm never late on anything that I pay every month that's how we got .09 % interest on 2 vehicle we just bought on XX/XX/XXXX and I care a 5 digit bank account me and my wife and this bank want 's to play games with me over mistakes the bank made in connection with this account you took my money I did not owe the bank so the bank happily commit fraud have a very nice day now : )
|
| 05/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
On or about XX/XX/2021, my wife and received proceeds from a refinance to pay down dome of our debt. These were 3rd party checks, which I personally dispensed promptly. There were about a dozen sent to our account list ; only one on behalf of The Home Depot managed by CitiBank was not credited until the XXXX of XXXX.
In the time between, there were incessant phone calls to collect {$270.00}. This was a perceived past due, current payment, and, charges.
The calls came incessantly and usually from XXXX XXXX. As I tried to explain the matter, the topic seemed not to follow 'the script ' as the usual response was to accept a bank account or debit card. For weeks, usually on Saturday or Sunday, the calls came and I attempted to explain the matter. There was no resolution. The collection agents apparently do not have training or a 'decision-tree ' for anything other than collection of a past due amount..
On or about the XXXX of XXXX I was able to speak to a XXXX agent. She was abrupt, rather hostile and unbelieving. However, she did provide me with a FAX number to send the cancelled check. I wondered " why '' on all previous calls, no agent offered that remediation but rather left me unsure ... and troubled. Citi Bank offers no email. This meant a XXXX mile round trip AND charges to fax the document : insult on injury ... more cost on the consumer to prove their integrity.
Finally, the matter resulted in a credit banance. One would think 'all is well. I did until l this morning, XXXX on the XXXX of XXXX. There is a troubling letter from CitiBank. They have termed the matter a " dispute '' and, as such, will advise " if XXXX XXXX accepts the resolution ''. Huh?
When I spoke with the agent on or about the XXXX and then again the XXXX of XXXX, I wanted assurance that any negative report to credit bureaus is reversed. There is NO MENTION of this in this latest written document from Citi Bank. It looks to me they are trying to switch responsibility for their LATE POSTING. The check was 'cashed ' on the XXXX of XXXX, 2021.
The XXXX XXXX is at the " mercy '' of CitiBank. Nevertheless, both are " big boys '' and know what the other is doing ... or so the consumer would imagine.
I am asking you to intervene on our behalf. I also ask that this message be archived as part of collection practices when the consumer is not always wrong. That is the attitude from Citi Bank. I ask for a formal document showing that Citi has reversed all negative reporting and accepted the error of a check that dwelled in their system for nearly a month, resulted in hostile collections, and ... darnit ... just not right.
I have files that I can submit ... but honestly, I am at my end of patience with CitiBank and others, including The XXXX XXXX Management ... should be clearly aware of this matter. It may be 1 in 1,000 ... but ... it also may be 999 of 1,000. Citi should train their collections personnel far deeper than this incident indicates. ( I train for a living and I know pretty well when something isn't right. ) Perhaps the most confounding and troublesome ... is that I am a senior who feels deeply disregarded and disrespected by Citi Bank. The XXXX XXXX needs to know how their financial partner treats their customers. Maybe, both just don't care : it's " the arrogance of wealth and success ''. The bottom line doesn't 'care ' until the bottom line suffers!!!
Respectfully and kindly submitted ... the reverse of Citi Bank and their efforts for 30 days in 2021.
|
| 04/24/2015 |
Yes |
|
|
|
Web |
|
|
Dear Sir or Madam, From the attachment Citicard Statements that I received a XXXX weeks ago, it is shown clearly that right after my moving Citicard put the {$630.00} moving charge to my card, which is the corrected XXXX. But Citicard removed it next month and put the fake amount {$1100.00} for the moving charge. Citicard did it on purpose to promote the fraud and made things confusing and unclear. They knew extremely well the {$630.00} was the correct XXXX, but they charged me {$1100.00} for a year, for almost XXXX year.
Citibank did fake investigation. They used the fabricated contract as the only evidence, Then they said the {$1100.00} is correct, which was obviously helping the fraud. Since then Citicard has been charging me the late payment fee and interest based on the fake and fabricated contract. They were robbing my money.
In XXXX 2015, a year later after moving, Citicard admitted they used fake contract and credit me back {$420.00} ( XXXX ), but that is still more than the original charge {$630.00} as XXXX - XXXX = {$720.00}.
Even much worse, Citicard charged me the late fees and interests monthly for almost a XXXX for the mistake they made to me. When they credited me the {$420.00}, they removed only XXXX months late fee and interests, but kept all the other month late fees and interests charged to me. Citicard made the fraud on purpose by replace the correct {$630.00} with the {$1100.00} that was the fraud fake XXXX. They knew I would deny the fake XXXX, so they can charge me the late fees and interests monthly.
Now I have paid all the expenses I made, the remained {$190.00} in my account are all from the late fees and interests. I request your office to tell Citicard,XXXX. Remove the {$190.00} late fees and interests charged to me illegally.
XXXX. Refund me the remained difference between the fake charge {$1100.00} and the true cost {$630.00}, which is {$90.00} ( XXXX ).
XXXX. Citicard has to correct the damages to my credit score with the XXXX credit bureaus.
XXXX. Request Citicard to send me an apologize letter.
In the Citicard letter dated on XXXX XXXX, 2015 that you forwarded me, Citicard said " ... we may report your account as past due to the consumer reporting agencies listed below ... '. It sounds like they have not reported that. They are cheating. They have been reporting my past due to all XXXX agencies for a year ; and all those was caused by their fraud using the fabricated contract as the only evidence. As the results, my home owner insurance premium increase 300 % and my auto insurance premium increase 200 %. And it was all because the Citicard 's fake actions and fraud business. These are the mistake and damages Citicard made to me on purpose.
All the facts show Citicard is doing business in fake, illegal, corrupted, fraud and even criminal ways ; they were helping and protecting the fraud done by the moving company, cheating and lying, made the amount incorrect on purpose, charging me late fee and interest illegally. Citicard is robbing my money. Citicard must be investigated and punished. This is legal issue, but not a commercial issue. Citicard is deserved to be investigated thoroughly and they should receive the proper punishment. It should remove away Citicard business license, to stop their business of charging customer illegally, to prevent them to continue to rob money from other customers.
Thank you for your time and attention.
I am waiting for your feedback.
Sincerely XXXX XXXX XXXX XXXX
|
| 04/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
From : XXXX XXXX Address on file XXXX XXXX XXXX, XXXX, XXXX XXXX Previous Card Number before it was replaced was XXXX XXXX XXXX XXXX I am in need of help. i purchased a item off of XXXX and used my ATT Universal card to pay for the item via XXXX. The transaction was authorized by me for the amount of XXXX $ for a watch.
XXXX order number is XXXX and it was sold by XXXX id XXXX and title of the item is XXXX XXXX Submariner Ceramic Two Tone XXXX XXXX Dial XXXX Men 's Watch. The XXXX item number is XXXX XXXX date of XX/XX/XXXX.
I paid using my Attuniversal card via XXXX. I never received my item from the seller. The tracking number they provided shows clearly the item was sent somewhere else and signed for by someone but not to my physical address. I never recieved anything at my address and nor did i sign for anything and believe it is fraud. The seller never responded.
The seller never responded to numerous emails that I sent via XXXX. It was then i contacted ATTUniversal card. The person who took my call must have misunderstood me and opened a case of fraudulent charge that i did not authorize. But I did authorize the charge but I never recieved the item.
I even called the next day and spoke to another agent at ATTuniversal and they said that I did a good thing of calling as the case only showed that a fraudulent charge was made.
The agent stated that he was able to add notes to the current case and that things should resolve soon. Sadly, that is not what happened. I was never contacted about anything in regards to the situation by ATTuniversl citi cards. I simply got a Letter via online that stated against me but was a little confusing. So i called ATTuniversal again and they said nothing to worry, they have agreed in my favor. i was relieved to hear that. But later, i saw the charge was added to my billing in the amount of XXXX . Clearly there has been a mistake. I have already contacted ATTuniversal Citi and also XXXX. They have stated that the case is ongoing but what I do not see that anywhere on my acct on ATTuniversal citi nor XXXX but i was told the case is open and the merchant has been contacted. I must have made about 30 calls to XXXX and attuniversal citi cards regarding this matter. They should have a record of all calls and also recordings.
If you simply look at the tracking the Seller has provided, you will see that the item never was sent to me. It is a XXXX tracking number of XXXX that the seller provided to XXXX. When i clicked on it, it showed the item was already delivered and signed for on XX/XX/XXXX ... .that is before I even bought the item!.
The XXXX listing is XX/XX/XXXX but delivery shows XX/XX/XXXX? to XXXX XXXX, XXXX .... I am in XXXX. not in XXXX. Once again, item bought XX/XX/XXXX but delivered XX/XX/XXXX? how can that be? and delivered to XXXX where the item was supposedly coming from. I am in XXXX my whole life.
I have copies of all that i could gather to show proof of the fraud that this seller has done. I even mailed it to the Citi cards via certified mail and also to XXXX but to no avail did I get a response. I am so disappointed about how long this is taking but i believe once the respected merchant see 's this, they will conclude what has taken place. Thank you for your time and I hope to hear from you asap to close the matter. I have been a faithful citi card customer and XXXX customer for years. thank you for hearing my plea and request.
XXXX XXXX.
you can call me XXXX XXXX email XXXX XXXX
|
| 05/21/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I opened an on line account on or about XX/XX/XXXX with Sears Citi Bank.
My son and I enrolled in the automatic payment plan to have the monthly payments deducted from his bank account. I received a letter form Citi Cards confirming the automatic payment monthly deduction beginning XX/XX/XXXX and continuing on the XXXX of each month until paid in full. Minimum payment due was {$27.00}. The letter was signed XXXX XXXX, Vice President, Citibank, NA. The letter was dated XX/XX/XXXX.
On the morning of XX/XX/XXXX, I returned a call from an unidentified number on my cell with no voicemail. I returned the call and learned that it was from Sears about my XX/XX/XXXX payment being delinquent. I told the representative that there must be some mistake because my payments are set up for automatic withdrawal. She said that it was not showing up on the account for re-occurring payments. As she looked further she discovered that the automatic payment plan was cancelled the same day that it was set-up, however she could not give me a reason why it was cancelled. I made the payment of {$27.00} immediately and she waived the late fee. After processing the payment she stated the balance left for the month of XXXX is {$64.00}. When I questioned the balance she said that she waived the late fee ( {$27.00} ) but it will not show up in the billing cycle for a few months and when the adjustment is made they will deduct it from my account balance. I do not agree with that decision ( 1 ) It was confirmed in writing that the payments would be deducted from the banking account monthly, ( 2 ) if the agreement we made for the bank draft was cancelled I should have been notified. There was no correspondence whatsoever from Sears or Citi Bank regarding cancellation. Despite the negligence on the part of Sears/Citibank they are holding me responsible to make the {$27.00} payment which I actually do not owe. I have even been threatened by an agent of CITI Bank who declared that if I do not make that payment I will be charged {$27.00} late fee each month until I pay it or my credit is ruined, whichever comes first.
One reason some agents gave for the cancellation was that they were not allowed to withdraw payments from a bank account of which I am not a signer. However, several agents from Citibank offered to restore the automatic payment plan that we had previously. If those were stipulations regarding the automatic withdrawal it should never have been set up in the first place.
After several calls to Sears and Citibank between XX/XX/XXXX and XXXX XXXX, on Thursday, XX/XX/XXXX, I made another call to Sears and reached a customer service agent whose name is XXXX in XXXX XXXX. XXXX told me that my account had already been adjusted and my current monthly balance is {$37.00} and that the {$27.00} late fee had been removed from my account. I asked him several times if he was sure and he insisted that those charges were no longer there. Therefore I made the payment of {$37.00} which he said left a XXXX balance.
I only learned that the {$27.00} late fee was still pending when I made a call on Sunday, XX/XX/XXXX, and the recorded statement announced that the payment was still due.
After many calls I still can not seem to get this issue resolved. Adding {$27.00} late fee ( which I do not owe ) to my account affects my balance and interest tremendously. And all because Sears/ Citibank neglected to inform me of changes that were made in an agreement that we had in good faith.
|
| 04/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
OnXX/XX/XXXX I learned that XXXX XXXX XXXX XXXX obtained a judgement against me as I was applying for a mortgage. The judgment was obtained in XXXX County General District Court on XX/XX/XXXX. I called the plaintiff 's attorney- XXXX , XXXX , XXXX XXXX XXXX but they indicated they do not handle Citibank any longer and told me to contact Citibank directly.
On XX/XX/XXXX I called Citibank at XXXX and they indicated they have no information about me owing them any money and they had no information on the judgment. I spoke to XXXX in the XXXX XXXX department and she told me that she was referring the matter to the attorney who now handles their account and was requesting that their attorney prepare and file a release. XXXX XXXX ID # is XXXX, XXXX indicated the firm now handling the Citibank accounts is XXXX and provided the phone number of XXXX. XXXX indicated that she was going to instruct the attorney to file the release.
On XX/XX/XXXX XXXX XXXX- of the title company I am using for my home purchase- also spoke with XXXX of Citibank and eventually was provided with a different phone number to call to contact the attorney.
On Friday, XX/XX/XXXXXXXX spoke to XXXX- the attorney assistant who can be reached at XXXX and was told the attorney who handles liens in XXXX would prepare and file the release. On Wednesday, XX/XX/XXXX XXXX called XXXX again to check the status of the release but was only able to leave a message.
OnXX/XX/XXXX I called the firm of XXXX of XXXX XXXX, FL phone # XXXX, ext XXXX to confirm that the release was being prepared and filed. I could not speak to an attorney so I left a message. On XX/XX/XXXX I finally received a call from the attorney- XXXX- and she indicated she had no knowledge of the judgment or request from XXXX of Citibank to prepare and file the release. I emailed her a copy of the judgement and she indicated she will call her firm 's client service department so that they can call Citibank. She indicated that if no one at Citibank has any information on me that she doesn't how I am supposed to resolve the judgement. She indicated that she doesn't have direct dial phone number that she could she provide to me. I gave her my cell phone number and emailed a copy of the judgment to her at the email address she provided- XXXX.
I am trying to settle on my home on XX/XX/XXXX and need to resolve this matter but keep getting the run around and being pushed off with no information provided about why the judgment was obtained against me in the first place. Citibank says they've instructed their attorney to file a release but their attorney says she has not been given that instruction by Citibank. No one at Citibank has any information to explain what the judgment is for. Please note that a representative of the title company was told last week the the release was being prepared but the attorney for Citibank has not prepared or filed the release. Her name is XXXX XXXX and her email address is XXXX Please know that additional calls were made by XXXX XXXX of the XXXX XXXX XXXX on my behalf as she represents the title company I am using for the home purchase. She was told that Citibank has no information and that Citibank was instructing the attorney to prepare and file the release. I had an attorney- XXXX XXXX phone # XXXX attempt to contact the Citibank attorney but he was not able to speak any attorneys at XXXX.
My home purchase is in jeopardy if I am not able to resolve this matter within the next week or so.
|
| 11/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hi CFPB, This is XXXX XXXX and continuum with documents RE : complaint number XXXX XXXX Kindly contact XXXX XXXX and XXXX XXXX. XXXX which I intend to contact also. Since XXXX XXXX to XXXX as stated in my complaint to CFPB it 's clear according to XXXX XXXX XXXX I will not get the service I deserve.
I would certainly like to thank everyone involved in XXXX XXXX resolution to Credits back to my account after five ( 5 ) month debacle. The production of misfiled receipts in XXXX XXXX exonorated me of returned merchandise.
Seemingly, XXXX XXXX XXXX did not thoroughly research facts or find XXXX XXXX worthy enough to mention. I feel insulted blamed, attacked by her comments. Nor am I in receipt of a memo which dictates or threatens any such actions from my contact person XXXX XXXX, XXXX.
Therefore, who ever Collaborated with and allowed XXXX XXXX to be Bias, Harass, Defame my Character will not be tolerated this time for several months over questions and a phone call.
Since XXXX XXXX to date the Supervisors mentioned on my account ( I have documented ) have denied, harassed, hung up on me, negate and refuse to RESEARCH OR ANSWER WHY XXXX XXXX XXXX XXXX XXXX COUPON DID NOT TAKE- They wo n't assist me with RECEIPTS IN HAND to go over RECEIPTS NOT ON STATEMENTS.
XXXX XXXX when I started back using the card. Problems I was unaware of were disclosed and rectified. The Reps were Awesome until XXXX. Supervisor in XXXX saw digital coupon did not take said she would research do a audit call me back in 2wks. Also, she had corrected markdown from XXXX deal reveal that was n't applied to dress.
She never called back, I left 2 messages had to speak start over with new Supervisor who could not understand why the first supervisor dropped assisting me.
There was no need for me to call the Executive office for these small things the prior reps were helping until I realized the Prejudice by XXXX. The Supervisors made remarks about my past issues with my account which OFFENDED ME and Disparaging to my Character notated on my account which I believe is the cause of whats occurring now.
By XXXX XXXX I continued to pay my bill not disputing anything just wanted to go over receipts and the Supervisors became Argumentative Refusing to take time out of there busy day to talk to or call me back which to date XXXX XXXX no one Respectfully has done to Rectify my questions by talking to me.
Instead I 'm told to ''LOOK AT YOUR STATEMENT '' " WAIT FOR AN AUDIT '' sent incomplete Audit like in XXXX calling back and forth telling these Supervisors my RECEIPTS do not MATCH THE MANUAL TYPED NON-DESCRIPT documents.
This is a Violation of several Statues which protects Consumers. This is Blatant Prejudice I 've stated more than once to call me. I 'm not going to tolerate be bullied a second by anyone at XXXX due to Slander notated on my account.
All I want is to pay my bill. If XXXX XXXX memo gives all Employees the going ahead to not call and answer my VALID XXXX TO XXXX XXXX DISPUTE causing my account to go in default by not responding to me and Character Assassinate me with response to CFPB about XXXX XXXX RESOLVED ISSUE.
Well we shall see about that wo n't we. Thing is Absurd, Intentional Prejudice over past issue I had. I have no Grudges with anyone will talk to anyone at XXXX.
I will not except being Threatened via Memo written by reps from XXXX who did n't comprehended reason for NEW COMPLAINT or mention VALID REASON for CREDITS at no FAULT OF CONSUMER.
|
| 10/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I opened a Citi XXXX XXXX XXXX credit card account on approximately XX/XX/XXXX. I opened the account using a promotion whereby I would receive XXXX bonus points after spending {$4000.00} in the first three months. I reached the {$4000.00} spending limit on approximately XX/XX/XXXX. However I never received my bonus points.
I first contacted Citi by chat on XX/XX/XXXX to inquire about the bonus. They confirmed the {$4000.00} spending limit had been reached and I would receive the bonus points when my XXXX statement posted. That did not happen.
I then contacted Citi by chat on XX/XX/XXXX and they said there was no record of a promotion being tied to my account, in direct contrast to the first chat session on XX/XX/XXXX. They asked that I email " XXXX '' asking for the bous with a screenshot of the XXXX bonus point offer, which I did on XX/XX/XXXX.
On XX/XX/XXXX, I still had not received the bonus points or a response to my email sent to Citi, so I called Citi to ask about the issue by phone. I spoke to XXXX, ID # XXXX, Call Ref. No. XXXX, who told me that he would send this issue to the back office to investigate and they would get back to me. I have not yet heard from them via phone.
On XX/XX/XXXX, I received a letter in the mail from Citi, apparently in response to my my email from XX/XX/XXXX. Their letter rejected my request for the XXXX bonus points, stating : " Terms and conditions state Acquisition Special Offers will not apply if customers have existing accounts in the same product approved or closed within the last 24 months. '' In response to that term and condition : I did not close or open a Citi XXXX XXXX XXXX card in the past 24 months, however I did open a Citi XXXX account on approximately XX/XX/XXXX via a product change from a Citi Aadvantage card that I had prior.
HOWEVER : the critical point is that the term and condition referenced in Citi 's letter is very different from the actual language on the Citi webpage for the XXXX bonus offer for the Citi XXXX XXXX XXXX of the Citi Bank website ( see : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) The language on that webpage states : " Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi XXXX, Citi XXXX XXXX, Citi XXXX XXXX XXXX or Citi XXXX, or if you have closed any of these accounts XXXX in the past 24 months. '' Crucially, I have never received a new cardmember bonus for any of the cards listed, nor have I ever closed any of the cards listed. Therefore, based on the terms and conditions stated on the website, which were those in effect when I opened the account, I am objectively 100 % eligible for the XXXX bonus thank you points.
Therefore I ask for the following immediately : 1. Please Issue my XXXX bonus points as promised, as I am objectively eligible for them based on the language on the Citi offer webpage.
2. Additionally, I request a {$100.00} statement credit, or XXXX Bonus Points, for the following reasons. a ) I have wasted hours of my time contacting Citi chat ( twice ), Citi phone ( once ), Citi email ( once ), and now lodging a complaint with the CFPB to get a points bonus I should have gotten automatically, and that time has great value to me, and b ) Because my bonus points have not yet come, even though they were due weeks or months ago, I was unable to book a trip I planned to book using these points, which ruined my vacation plans and caused undue psychological harm via stress and anxiety.
Thank you.
|
| 02/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I am writing regarding the cardholder agreement Citibank has provided me through their website.
About two weeks ago, I ordered my cardholder agreement through the website. The agreement they sent me is not Costco 's agreement, although the PDF document is clearly coded for Costco. Lists nothing about the Costco agreement, period, including rewards. I have addressed this problem in a prior CFPB complaint and Citibank has failed to properly address in in writing. So, I am filing an individual complaint about it.
Initially, when I spoke to XXXX in the executive office on XXXX, I told her about the incorrect agreement. She then referred me to Costco 's website. Citibank should be providing customers with the right agreement when ordered.
I then tried to order another Citibank agreement on their website and the link to order it disappeared. Then I noticed the cardholder agreement disappeared on their Notice 's and Letter 's page.
On XXXX, I spoke to XXXX in the executive office. I informed him also that I don't have possession of the right agreement and he also referred me to Costco 's website. I again told him Citibank shouldn't be directing people to Costco 's website ; they should be providing customers with everything in the agreement, including outlines of rewards.
On XXXX, called Citibank 800 number. I talked to to XXXX. I asked her for a copy of my cardmember agreement electronically and by mail. She stated it would appear in my Notice 's and Letter 's page within 24 hours. About 24 hours later, I received an e-mail stating there was a letter regarding the details of my pricing terms. I clicked on the link, logged in, and nothing was there.
On XXXX, I talked to XXXX in customer service. I asked her for another agreement and the explained e-mail notifications and nothing showing up in Notices and Letters. XXXX said I have been the 2nd or 3rd person to complain to her in the last week and just thought it was just a dispute related problem. Apparently, dispute communication through Notices and Letters have been disappearing as well. She said I was the first person to alert her that it was also a cardholder agreement problem. I told XXXX that I was also having problems with older dispute notifications vanishing, although a few are still there. I have put in written requests for numerous disputes through billing disputes, and I assume they are manually entering the requests which is the only reason I have recent ones. XXXX said she would send it to me electronically again and would also send it by mail. I told her if it didn't appear again with the same e-mail that I would call them back and request another one electronically.
On XXXX around XXXX XXXX, I spoke to XXXX in customer service. I asked for a copy of my cardholder agreement. I told him it wasn't coming through Notices and Letters. XXXX put me on hold and stated he was going to discuss it with his escalations team. He left me on hold for several minutes. He stated they had just sent it out ( I told him it still wasn't in Notices and Letters ) and he replied I would get it in 7 days.
I am including screen prints of the Costco agreement, a PDF file of the agreement they provided on their website, screen prints of the Notices and Letters page 's that reflect it should show a 12-month history and it doesn't, as well as it showing there is no pricing agreement. I am also providing a screen print of the e-mail notification I received that states I had a pricing notification.
|
| 04/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am a customer of Citibank, two weeks ago my fianc, who is wealthy deposited a little over {$17000.00} into my accountI lost my job last XXXX due to COVID. I have only been able to find temp jobs that pay just minimum wage, as a result of this I am experiencing serious financial problems. I am going to be evicted in a few days, my car is about to be repoed. I dont have money to care for my daughter and provide basic needs such as food and shelter. My fianc is in the XXXX right now I am in a serious situation and when the money was deposited Citibank locked my my account, suspended my debit card and shut off my mobile/online banking. Every time I call to speak to them I get some XXXX XXXX XXXX XXXX that is talking to me from XXXX there is a language barrier as most of the time they do not understand what I am talking about. They have no clue about the US air banking laws. They sit over there and play God with peoples lives. I have answered all their verification questions regarding the account and where the money came from they actually accused me of committing fraud or doing something illegal I can assure I am not committing fraud or any suspicious activity. I just need my money to be released. I asked Citibank if this is how they treat people who have a lot of money in their accounts? I am sure there are people who are millionaires and have bigger deposits than I have. They are condescending, rude, unprofessional and accusatory of anything I say. I am XXXX years olds and live in XXXX I have never been in trouble before in my life, I am not a criminal. I just need my money so I can move to XXXX and be with my fianc when he returns to the US. I was told 2 weeks ago that I would receive an answer in 5 business days but that came and went. I called the bank again last Tuesday XX/XX/XXXX and was told again that I would receive an answer in 5 days. But still nothing. I should have checked out Citibank before I became a customer. I have found out some very disturbing things about Citibank practices. I read where XXXX XXXX dollars was transferred from Citibank to the wrong account and then fined. There are some deceptive practices and illegal activity perpetuated by Citibank and they have the audacity to hold my account hostage? NO! I am not going to let this happen. I have read reviews and complaints from other Citibank customers that experienced the same treatment that Citibank is doing to me. They are causing severe mental anguish and stress because I will be out on the street, with no job, no money, no food, and no car. Citibank really needs to be investigated throughly they are nothing but thieves, unethical and crooked. There is no reason for them at all to be holding my money hostage. I bet they are going to steal it and it will end up in some Indians pocket or transferred into an employee account. The money was verified and posted to my account. They were not illegal funds. It belongs to me and I want it NOW!! There is no reason for it to take this long. Citibank really needs to re-evaluate the decision to send jobs to XXXX. Just because they work cheap doesnt mean it is better service. Jobs that Americans could have are given to foreigners that are clueless and incompetent. The unemployment rate in the US right now is skyrocketing, people need jobs in the US. It is sad that the CEO of Citibank lets greed determine his actions. It clearly is about the almighty dollar and thats all that matters to the extent of stealing customers funds.
|
| 12/07/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Im disputing fees and asking Macys to investigate the closing of my account. Ive made several attempts to explain the issue to Macys customer service but I cant get transferred to the dispute department. Customer service misled me and put in a blank dispute. There is missing statements and no alerts between XXXX XXXX. I just receive earlier statements after waiting several months and I noticed some billing issues and possibly intentional tactics to cause more fees.
1. Price of first order is incorrect and over charged.
2. I was charge NSF fee for a payment I did not authorize and was never informed.
3. A payment was return NSF even though my bank account had funds.
XX/XX/XXXX I was approved a new card with XXXX limit.
My first purchase was presented as below ( I can provide proof with a Dated screen shot of order ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Created for Macy 's Size : XXXX XXXX : XXXX {$59.00} Sale {$33.00} Qty : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Created for Macy 's Size : XXXX XXXX : XXXX {$69.00} Sale {$28.00} Qty : 1 Bag ID : XXXX Total {$62.00} plus estimated tax XXXX Minus additional 25 % off as a new account discount.
The first billing statement reads.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$88.00} SALES TAX {$8.00} RECEIPT TOTAL {$97.00} NEW ACCOUNT DISCOUNT - {$24.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$13.00} SALES TAX - {$1.00} RECEIPT TOTAL - {$14.00} NEW ACCOUNT DISCOUNT PAYMENT {$3.00} The total changes for that purchase have several amount {$97.00} card - {$5.00} card {$82.00} total Documented transaction Purchases 1. {$83.00} XX/XX/XXXX 2. {$36.00} XX/XX/XXXX 3. {$65.00} XX/XX/XXXX 4. {$32.00} XX/XX/XXXX Payments 1. {$40.00} XX/XX/XXXX 2. {$21.00} XX/XX/XXXX 3. {$29.00} XX/XX/XXXX 4. {$31.00} XX/XX/XXXX 5. {$2.00} XX/XX/XXXX 6. {$82.00} XX/XX/XXXX Unauthorized payment and fees 1. {$40.00} XX/XX/XXXX unauthorized payment 2. {$40.00} XX/XX/XXXX reversal of XXXX amount 3. {$21.00} XX/XX/XXXX returned payment fee 4. {$2.00} XX/XX/XXXX interest charge 5. {$2.00} XX/XX/XXXX interest Total fees for XXXX {$25.00} Total interest XXXX {$.00} as of XX/XX/XXXX.
Monthly email alerts Email alert XX/XX/XXXX Statement Balance : {$21.00} Minimum Due : {$21.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$40.00} Email alert XX/XX/XXXX Statement Balance : {$36.00} Minimum Due : {$29.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$21.00} Email alert XX/XX/XXXX Statement Balance : {$31.00} Minimum Due : {$29.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$29.00} Statement Balance : {$2.00} Minimum Due : {$2.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$31.00} Statement Balance : {$87.00} Minimum Due : {$29.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$2.00} Statement Balance : {$10.00} Minimum Due : {$10.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$87.00} Statement Balance : {$10.00} Minimum Due : {$10.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$87.00} XXXX XXXX checking account XXXX statement XX/XX/XXXX XXXX XXXX {$27.00} account balance {$31.00} XX/XX/XXXX Mobile Purchase Sign Based XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX {$9.00} account balance {$23.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16.00} balance {$6.00} XX/XX/XXXX Returned Insufficient Funds - ACH Txn {$16.00} account balance {$23.00} Statement ending XX/XX/XXXX balance {$110.00} minimum payment $ {$110.00} XX/XX/XXXX paid {$16.00} to settle my bill {$1.00} bill XXXX
|
| 11/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I set up this account to put my savings in. The account required a balance of {$1500.00} to waive the monthly fee, so I transferred via XXXX {$1500.00} into the account. Over the course of the next few days, I did a few transactions at XXXX XXXX and a restaurant. On XX/XX/2021 I saw that one of my other bank accounts had a higher savings interest rate so I decided to move the funds from Citi to that bank. I went online and XXXX the other account I have {$1.00} to confirm I had set it up correctly. Upon trying to send the funds to XXXX out my account, I was immediately kicked out of the site and I received an email that my account was blocked. The email provided a number to call the fraud department to assist. I called the number and after being put on hold for 25+ minutes, I hung up and called the main number. Citi uses offshore workers in their call center which I believe should be illegal for financial institutions as they safeguard such sensitive information that a foreigner could steal!
I asked for an American call center rep and was transferred to a XXXX woman who introduced herself as a supervisor. I explained to her the issue and told her I was waiting for a long time to speak with fraud and just wanted access to my account to be able to remove the funds. She stated she had to transfer me, but would warm transfer me. I then spoke with a woman in some other country who almost immediately stated her system was down and she couldn't help me. I told her that was not acceptable and that I would stay on the phone with her until there was a resolve. I was on the phone during this call for a period of 1 hour 17 minutes and 48 seconds. During the majority of the call she kept placing me on an open hold, unmuting her line to advise she was still there. Around the 45 minute mark, she put me on a closed hold and I heard hold music which had not happened during the call up to this point. She did not advise I was being placed on hold either. After about 15 minutes the music ended and there was silence, I said " hello '' a few times and nobody responded. I waited a few more minutes and then called Citi from my XXXX whilst keeping the line on my XXXX open.
I called Citi on my XXXX and spoke with a foreign rep, I asked for a US citizen and was transferred to XXXX. While advising XXXX of what was going on, I told him that I had the line open on my XXXX and there was silence. I explained that this woman either dumped me into an answerless queue, or she had me on mute and was ignoring me. Almost immediately after saying that, she got on the line and started talking. I hung up with XXXX and told her that I assumed she was ignoring me. She started going on a tangent about how my account was going to be closed and they would reach out to the account holder with additional information. I began asking questions at which time she was still talking over me and then she hung up. According to my phone I called at XXXX EST and was on the phone for 1 hour 19 minutes. I want the recording pulled!
I called Citi back and again told the foreign rep I needed an American. I was transferred back to XXXX and explained what was going on. The lack of care about my issue as he responded was apparent.
By the end of this call, I was still unable to login to the website, access funds via my debit card or get XXXX to overnight me a check of my account balance. Additionally, XXXX didn't listen to a XXXX thing I said as he kept telling me to login online to make changes.
|
| 06/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a Citibank Priority Checking and savings account at Citibank online using a promotion ( screenshots attached ). On XXXX XXXX my application was approved. On XX/XX/XXXX I requested an ACH transfer to Citibank which was delivered by ACH deposit ( $ XXXX ) on XX/XX/XXXX, which was the amount required to earn {$700.00} bonus. I have maintained this balance between both accounts the entire time since then. I have complied with all of the terms and conditions of the offer.
After waiting the full period required, I should have received my bonus at latest on XX/XX/XXXX. After not receiving my bonus, I first called Citibank on XX/XX/XXXX. I spoke with XXXX who said they would investigate and send me a resolution within 10 business days by email- and she provided a password for me to access it. I never received an email as promised, but I did receive a letter on XX/XX/XXXX ( dated XXXX attached ) stating that I did not qualify for the promotion. However, the wrong promotion was cited in the letter. The promotion referred to in the letter ran from XX/XX/XXXX to XX/XX/XXXX. This promotion did not even exist when I opened my accounts. I immediately called. They told me that I should ignore the letter -- that they were still working on it, that it had not been decided despite what the letter said. She said that I will hear within 2 weeks by email and regular mail. Again, no response. Again I called on XXXX. After a long wait on hold, I was told that the case was closed, I asked for supervisor and asked them to call me back if disconnected. They disconnected me and never bothered to call back. I called back and spoke to XXXX who put me through to XXXX XXXX supervisor ). He confirmed it was closed and said he would file an appeal which would go to the research department and that I would hear in max 5 business days. He gave me a email password and a new reference number. He said that he could see who gave me that bad information and he would handle that accordingly.
The next day when I received and accessed the email it was merely a letter saying they were investigating. On XX/XX/XXXX I called again and was told it was pending. Supervisor XXXX put me on hold and got on phone with a specialist. She told me that the specialist CONFIRMED that my account is ELIGIBLE AND QUALIFIED and that she would expedite the process of getting my bonus. She said she would follow up with me on Monday morning, XX/XX/XXXX at XXXX XXXX to tell me what date to expect my bonus. No one had the courtesy to call me at all Monday.
I am frustrated and I believe that this is more than mere incompetence. When I was investigating this promotion, I had read on various websites that Citibank does everything to avoid paying bonuses. I foolishly assumed that the other individuals might not have met all the terms and conditions but that I would, so I would not have a problem.
At this point, Citibank has had use of my money for over 2 months longer than they were permitted to, without paying a bonus. This has lowered my effective interest rate, given that a bonus is considered interest ( 1099 issued ). I believe that they are using delay tactics intentionally in order to hold customers hostage longer, and in effect, lower the interest rate they are paying. I hope that you will investigate their tactics given the numerous similar complaints. Note that many times during this process I have offered to supply them with the screenshots of the promotion but they were not interested.
|
| 08/03/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
On the morning of XX/XX/2022, my husband went to the citibank.com website to check for an automatic deposit that we were expecting, not knowing at the time that our computer had been hacked and the website cloned. The website had an alert with a red banner that stated our accounts had been frozen and to call XXXX ext. XXXX - a number we later learned was that of a hacker/scammer. Terrified by this alert, we immediately called the number and spoke with someone named XXXX who told us that our money was safe. My husband was asked to give information, which he gave, and he was reassured that the accounts were safe and protected at Citibank.
On XX/XX/XXXX early morning, my husband checked our accounts and noticed that money had been transferred from our checking account and one of our savings accounts and put into a second savings account. He also noticed that there were two separate withdraws of {$99000.00} and an {$37000.00} from the second savings account. At XXXX AM, I called XXXX. I was told by XXXX that the accounts were safe, but we weren't satisfied with her response as we already knew money had been transferred out, so I asked to speak with a supervisor. I was referred to XXXX at XXXX who I called and was told the money would be returned in 2 - 3 hours.
There were several back and forth calls with XXXX throughout the day and we were continuously assured that the money would be returned within a specific timeframe ( i.e., another 2 hours, another 4 hours, etc. ).
On XX/XX/XXXX I called XXXX again and this is when I began to realize that something was not right. We then decided to call the Citibank Fraud department using the number on the back of our credit card. We were finally speaking with a legitimate Citibank representative who informed us that we were the victim of a scam and that the money was taken as two unauthorized wire transfers. It took us hours and hours trying to get to the correct department and by the time we spoke with the correct person in was late in the evening. We were advised of the following : file a police report, go to the bank and alert the bank manager, have our computer scrubbed, and to immediately change all of our passwords.
On XX/XX/XXXX early in the morning, my husband filed a report at the police department, we then went to the bank, spoke with the manager and received new debit cards, took our computer in to be scrubbed, and changed all of our passwords as instructed by the fraud department.
Within approximately a week, {$99000.00} ( less a {$25.00} charge ) was returned to our savings account, but there no information on when the remaining {$37000.00} would be returned.
Over the next several days/weeks we continued to try to reach someone who was working on our case, but we were unsuccessful - many times waiting on hold for over 2 hours at a time. We also continue to check in with the bank manager but there were no updates.
On XX/XX/XXXX, we hand delivered a letter to the Citibank manager, advising them again that our account was subject to an authorized transfer of {$37000.00} as required by the EFTA, as implementation of Reg E.
On XX/XX/XXXX, a letter was sent to us from Citibank Client Services notifying us that they had completed their research regarding our request for a wire recall, but that the Beneficiary bank stated that they were unable to return the funds. As this was an unauthorized wire transfer, we are most dissatisfied by this and are hoping for a resolution. Thank you.
|
| 03/16/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Citibank Complaint Citibank did not attempt to settle the debt with me. I had written to Citibank on XXXX XXXX, XXXX requesting a debt reduction or debt cancellation. I informed them that my monthly net income in XXXX went down from {$3800.00} to {$1500.00}. And yet it was not until XXXX XXXX that I began to experience the deficit do to my saving being depleted for medical and tax obligations. Citibank responded with a letter dated XXXX XXXX, XXXX stated they have received my communication and would like to discuss my situation ; and explore alternatives that would be agreeable to both of us.
I received a settlement offer from Citibank dated XXXX XXXX, XXXX. The outstanding balance was {$16000.00}, the settlement amount was for {$8300.00}, with the deadline of XXXX XXXX, XXXX. On XXXX XXXX, XXXX I called Citibank ( XXXX ) and was informed that the settlement amount of {$8300.00} must be paid within 3 months, each payment for {$2700.00} and the first payment due on XXXX/XXXX/XXXX. If I could not pay the {$8300.00} within the 3 months, the other option given was {$500.00} per month for 5 years. My net income at the time was {$1500.00} per month and as I had explained in my letter to them dated XXXX/XXXX/XXXX my living expense total {$1800.00} which did not include food and every month bills were delinquent or partially paid or not paid.
The next letter from Citibank was dated XXXX XXXX, XXXX stating my amount will be charged-off unless a payment of {$260.00} is received by XXXX XXXX. EST on XXXX/XXXX/XXXX. Well I did not have it and Citibank would not extend the date. However, I did not give up I faxed Citibank Internal Recovery Unit - Dispute Department on XXXX XXXX, XXXX disputing the amount of {$17000.00} and requesting clarification of the correspondence that I was receiving from XXXX to mediate a settlement offer of {$8500.00} with payments of {$330.00} per month with deadlines dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. And the collection letter from Client Services dated XXXX/XXXX/XXXX with a balance due of {$17000.00}. I also requested that they consider my request for a debt reduction and cancellation. Citibank did not respond to my fax.
After XXXX XXXX the billing statements continued to be mailed to me each month and though I could not pay the minimum payment due which range from ( due XXXX/XXXX/XXXX ) {$2400.00} to ( due XXXX/XXXX/XXXX ) {$13000.00}, my last payment to Citibank was the last statement they mailed to me with the due date of XXXX/XXXX/XXXX which I paid {$15.00}. Nevertheless, I received collection letters from XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX , XXXX, dating from XXXX to XXXX.
I also received letters from legal groups ; XXXX XXXX XXXX XXXX in XXXX, XXXX, letter dated XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX in XXXX, XXXX letter dated XXXX/XXXX/XXXX.
My last letter from Citibank was dated XXXX XXXX, XXXX up until XXXX XXXX. I received a letter from Citibank dated XXXX XXXX, XXXX in forming " your loan with a balance of {$16000.00} has been sold to XXXX XXXX XXXX and is no longer owned by Citi. Effective immediately, please send any future payments or correspondence to XXXX XXXX XXXX '' Why were my options closed to negotiate a repayment plan when in fact Citibank had the loan up until XXXX XXXX? Citibank stop communications with me when handing my account over to collections agencies and stopped mailing out billings statements to me. Where is the accountability?
|
| 12/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
On XX/XX/XXXX I was approved for a Citibank American Airlines Advantage Mastercard that offered XXXX bonus miles for spending {$3000.00} in the " first 3 months ''. ( Quotes given here reflect wording on the Citibank webpage that I screen-captured and printed out ). An additional stipulation was that AA " Advantage bonus miles are not available if you have had any Cit/AAdvantage card ... opened or closed in the past 24 months. '' Once I reached over the stipulated {$3000.00} mark, on XX/XX/XXXX I called Citicards to cancel my old card since I was no longer using it. The representative who closed the card said that by closing the card I could no longer use that old card any longer. I had asked if this would cause any problems with my new card. He said, " no. '' I specifically asked about the bonus miles, and he did not mention there would be a problem.
I never received the bonus miles, and then called the Citibank phone number. I was told an inquiry would be sent to their Consumer Service department by the phone representative. On XX/XX/XXXX I received an unsigned form letter in response stating that I was not eligible for bonus miles because " Special offers are n't available when an existing account in the same product has been approved or closed within 24 months. '' I called back about this and was told there was no one whom I could talk to on the phone in that department and to fax a response to XXXX. I did this onXX/XX/XXXX, carefully giving an in depth explanation regarding the difference between the reasons for not getting bonus miles if the old card was closed in the " past '' 24 months '' as stated in the online ad, and the letter I received with the wording " closed within 24 months ''. I made it clear that I was eligible I had not cancelled the old card " in the prior 24 months '' before being issued a new card. I received another response from Citibank on XX/XX/XXXX, looking like another unsigned form letter, again denying the bonus miles, and not addressing that the online ad for the credit card had language that was different that the reasons for denial stated in the letter I had received from Customer Service. Instead it just repeated that I had closed a card " within past 24 months '', now adding the word " past '' in the phrase used in their letter to me on XX/XX/XXXX, but still not honoring the wording of the ad which did not use the word " within '' anywhere in that ad. I wish to have this situation resolved, since I have made 2 attempts, ( 1 phone call and 1 fax ) to bring to the attention of Citibank that there is a problem in the wording of their ad which is causing me to not receive the bonus miles which I had every reason to expect to receive based about the wording in their ad. Other consumers should be aware of this problem. If I had know about the difference between the ad and the actual Citibank policy, that is, the difference between the words " prior 24 months '' ( the ad ) and " within 24 months '', and then " within the past 24 months '' ( the letters that Customer Service use to alter the wording they are basing their denial on according to whatever new information I am I writing to them about ), I would have never cancelled the old card until 24 months had passed since I was approved for the new card. As it turns out, if I had waited just 11 more days, the XXXX miles would have been posted because the 2nd monthly cycle of the new card would have been over and the miles would have already been banked.
|
| 04/01/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
XXXX/XXXX/15, approximately XXXX, TuesdayADDRESSED TO : MyNameMyAddressRE : Received Advertisement for personal loan up to {$6000.00} '' Loan Certificate Same-Day Decision '' # XXXX # ( id number on the flyer ) FROM : One Main FinancialBranch Location:XXXX NJ XXXXXXXXReturn Mailing Address ( on envelope ) XXXX XXXX XXXX MD XXXX decided to apply for a small personal loan because my car needs repairs.
I phoned the above referenced number and spoke to a customer service representative named XXXX. She asked for the above referenced ID number, and took the usual information to apply for a loan, which I provided ; my name, address, work history, XXXX XXXX digits of my SSN, financial history, etc., I am a homeowner, and I have an apartment at another location. She did some calculations with the information I gave her and said I could borrow up to {$8500.00}. She asked how much I would like to borrow, and I told her {$3000.00}. I asked about the interest rate and she told me that be calculated based on my records.
Afterwards, XXXX, thanked me, explained about confirming my information, and that she would now transfer me over a loan consultant named XXXX ( a gentleman ). She provided me with his telephone number, ( XXXX ) XXXX.
I spoke with XXXX XXXX, to confirm the information I had given XXXX. He informed me that he would have to contact my employer, to confirm employment. I gave him my direct supervisors name and phone and the main number at the XXXX I work for. He informed me that as soon as he confirmed that information he would call me back and I could visit the bank that evening, about XXXX and close on the loan.
I did not hear back from XXXX XXXX.
XXXX/XXXX/2015, XXXX approximately, WednesdayXXXX XXXX called. Informed me he could not reach anyone at the college. I remembered that this is XXXX and staff will be at a minimum. I gave him the name and phone number of the XXXX of my XXXX. Several minutes later XXXX called me back and informed me all well and I could come in tomorrow evening to sign the papers. I offered to visit the branch in XXXX in the morning, but he said he had an appointment. He suggested after XXXX ( again ) because he has a closing. I agreed and said I would arrive between XXXX and XXXX. We hung up.
I realized, a few seconds later, he had n't given me any information about the loan. I called him back and asked about the interest rate. He quoted me 29.993 % for a personal loan for 4 years and the monthly fixed payment of {$150.00}. ( Pause ) I told him that rate is high. Then I said, alright, and told him I would see him tomorrow.
I created in Microsoft-Excel amortization chart. The interest rate he quoted me was NOT 30 %, BUT 52 %, at 4 year on {$3000.00} for a monthly payment of {$150.00}. I called him back and told him about this and he told me there were all this OPTIONS the Bank could add on to the loan tomorrow night. Apparently, the {$150.00} quote assumes the customer SIGNS WITHOUT READING.
I asked him to send a copy the loan to me in an email, Word.doc or .pdf file, or fax it. He said he could n't because the Bank only does that for a Mortgage. I asked to speak to his manager, XXXX who said the same thing.
When I asked WHY, there was DEAD-SILENCE. XXXX XXXX, the Branch Manager of OneMain Financial hung up on a customer asking about obtaining a copy of a contract in which the bank stood to make a substantial profit of {$4100.00}, if the Customer opted in for all the Add-Ons on the {$3000.00} loan.
|
| 07/07/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
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Good afternoon. On XXXX XXXX, 2016, I applied for a Best Buy Credit Card which is supplied through Citibank. When the original application was submitted, I gave my work address as the statement mailing address since we would be moving later in XXXX. On XXXX XXXX, 2016, after receiving our first statement, I called the phone number listed on the statement to payoff of the card balance by authorizing an electronic debit of my checking account. The payoff information was accepted through Citibank 's automated system and I was advised my payment would be posted within 5 days. I went back to the system 's main menu to request an update to my address now that our move had been completed ; I was then transferred to a live customer service representative. When I advised the customer service representative that I wanted to update my address, she requested my phone number which I provided. This is the same phone number I have had for years. I was told by the representative that she could not verify my phone number in her data base. I was then transferred to another department and spoke with another representative. I was again told that my cell phone number could not be verified and I could therefore not update my mailing address. I then asked if I could provide my SSN to prove my identity and was told that my SSN could have been stolen. I then proceeded to tell the representative that Citibank had just accepted my personal bank 's transit routing number/checking account number to pay off the account balance in full so I did not understand why updating my address ( for Citibank 's benefit ) could not be done. I was then told that " anyone '' can make payments on an account. I was asked for information on the back of my credit card but unfortunately, I had brought with me to work only the account statement. I told them I would call back the next day once I had the card in hand. I then called back on XXXX XXXX, 2016 with the credit card. The customer service representative who answered the call told me again she could not verify my cell phone number and that she could not update my address even though I had the card. I proceeded to give her several other phone numbers ( my husband 's cell as well as out prior land line number ). I then asked to speak to a supervisor and was told someone would call me back within 24 hours. Later on XXXX XXXX, 2016, there was a message left on my cell phone ( the same number they could not verify ) indicating they were returning the call I had requested earlier in the day. I returned the call at the " fraud '' number the caller left in the message and spoke to " XXXX '' who again told me he could not verify my phone number and suggested I send in a written letter with a copy of my driver 's license and other proof that I am who I said I was. Then, when I asked if I could speak with a supervisor, " XXXX '' kept repeating my name saying he could not hear me ; he finally said that he was hanging up, which he did.
This experience has been extremely frustrating. I appreciate a service provider putting in place processes to protect their customers but when that same provider accepts, through an automated system, my personal banking information but will then not update an address because they can not tie a cell phone number to me, and tells me that my SSN is not acceptable either because it could have been stolen, I find serious flaw in their process. Certainly, a cell phone number is easier to gain access to than an SSN!
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| 04/21/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem making or receiving payments
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Web |
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I received a call from an ( XXXX ) number on XX/XX/XXXX around XXXX while on my lunch break at work. I was on the call-back queue for the DMV, so I answered the call thinking it was them, but instead it was someone claiming to be Citi Bank fraud department and they asked to speak to XXXX XXXX ( me ) to verify recent activity on my account. I denied the charges. They then needed me to confirm details to ensure I was the account holder before beginning the process of reversing the fraudulent charges to get my money back. They verified my name, billing address, account information, last 4 digits of my SSN, etc. They then told me I would receive a text with a security code and to repeat it back to them ( I believe this happened twice ). Once they confirmed I was the account holder, they then asked me to log into my Citi bank phone app to look at some of the fraudulent charges which were made via XXXX. When I denied that I sent those payments, they guided me through the process of getting the money returned which involved moving funds via XXXX in order to verify that it was actually my account. I followed the directions to transfer money from my savings to checking account, to complete a XXXX transfer that was already prompted in my account. I did NOT choose the recipient, the recipient was already listed in the transaction, and the name was XXXX XXXX ( or XXXX XXXX ). After I completed the steps, I was told my money would be returned to my account in 24-48 hours. They then told me they would upgrade my account to a " Citi Priority '' account for added security and asked me to confirm this change in the app, and create a new password. 3 business days later, my funds had not been returned, so I made a deposit to Citi bank in person so that I could continue to pay bills. I made the deposit on XX/XX/XXXX. A few hours after that deposit, I received a text and call from Citi Bank 's real fraud department asking to confirm a recent transaction of {$380.00}. I denied, so they declined the transaction, and then I asked how it was possible to have this transaction when my account was supposed to be frozen since I was just contacted by the Fraud department the week prior. I was transferred to the Dispute department where they reviewed my account and confirmed that no dispute had been filed on my account, and that the call I received the week prior must have been a scam. They then proceeded to actually freeze my account and open a dispute claim on XX/XX/XXXX. Because my account was frozen, I was unable to make payments through that account and had to withdraw the money I deposited. Since then, the investigation closed and I was told by Citi bank that my funds would not be returned since the transactions were made through my account. I appealed the dispute decision on XX/XX/XXXX explaining that the person posing as the fraud department was able to get into my account and my app after gathering my information and guided me through a step-by-step process to get my funds returned which involved using XXXX to confirm that it was my account/app. They filed the appeal and advised me to file a police report to strengthen my claim. I called my local police department and was told that since the fraud happened via phone call, I need to file a report with the FTC. Since I am waiting for the result of that appeal, I am filing a complaint against Citi Bank for their incompetent security, inability to protect my account and initial denial of reimbursing my funds.
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| 01/26/2016 |
Yes |
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Web |
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In XXXX XXXX, Citibank notified me that my credit card statement was available. For about the past 10 years, I have been getting that statement online. I went online and logged into Citibank 's website and was unable to retrieve the statement. I called customer service and was told the website was down and to try again another time. Over the next several days, I spent 5.5 hours trying to get that statement. Each time the website would n't respond when I clicked on the button to download my statement. Each time I called customer service, the representative told me that the site was down. The last time I called customer service, I asked a supervisor to send my statement to me via email so I could pay it on time and the supervisor refused, citing security concerns with email. I asked the supervisor to send my statement to me via U.S. mail and to extend the time for payment so I would n't be late and the supervisor refused to mail a statement to me, telling me to just keep going online and eventually, the statement would be available there. I do remember I was less than a week away from my payment date and I was concerned about late fees and interest - and I 've had that account about 10 years without these kinds of problems. It 's also a " Rewards Card '' and I did n't want to forfeit rewards. After Citi refused to send my credit statements to me, and since I already had 5.5 hours of time involved trying to get a Citi statement to PAY THEM, I sent a letter to Citi at the payment address requesting that they ( 1 ) Close my account ; ( 2 ) Send a statement to me via U.S. Mail, ( 3 ) Extend my payment deadline without penalty fees and interest, ( 4 ) pay my " Rewards '' in full, and ( 4 ) pay damages for my lost time for their broken website and refusal to provide a statement to me. I did n't hear back from them at all. I also shredded my card and told Citi that I shredded the card in that letter. On XXXX XXXX, XXXX I went into a Citi office in downtown XXXX XXXX and spoke with XXXX XXXX, one of their personal bankers. On XXXX XXXX, XXXX he printed out XXXX statements covering XXXX and XXXX. Curiously, those XXXX statements covered transactions from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX without a break - in other words, the " missing '' statement occurred during the time I was trying to obtain that XXXX/XXXX/XXXX ending statement and their website was " down. '' The XXXX statements I received include late fees and interest even though Citi did n't make them available to me until XXXX XXXX, XXXX. After reconciling the account, I found {$65.00} " missing '' that Citi is asking for ( probably from that missing statement in between the XXXX provided ). Now Citi is telling me I have to pay the balance, including late fees and interest ; including the {$65.00} they have not accounted for ; and that only after I do that will they consider reopening my account. I have countered and offered to pay them the agreed charges that I made, less {$43.00} approximately in " rewards '' that I would have obtained had Citi actually made these statements available to me when I was online or mailed them to me or emailed to me when I requested. I do n't know anyone who can afford to spend hours trying to download a statement because the bank ca n't operate its software properly. A large cost of that time was speaking with foreign customer service representatives who have to spend much time reading from scripts and who are not authorized to provide any real help.
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| 02/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I came home XX/XX/XXXX from out of town to find XXXX letters from CitiMortgage, which confused me because I did n't know why. XXXX letter stated that I owed {$8000.00} by XXXX/XXXX/XXXX and the other XXXX stated I owed {$7100.00} by XXXX/XXXX/XXXX. With me being in Bankruptcy I first called the attorney to see why I received the letters and they knew nothing about them. I was then told by the paralegal that Citi sent me a letter XX/XX/XXXX stating if a payment was n't made a motion for relief would be filed. I also reached out to XXXX XXXX on XXXX XXXX, XXXX, and XXXX XXXX, XXXX through email because his name was on the letter stating to contact him, but I never received a response to the email. I then call Citi to find out about the letter they sent me, and was told that the letter was n't sent to me it was sent to my attorney which is supposed to send it to me. As of today XXXX/XXXX/XXXX I still have not seen this letter. I call Citi back to find out what exactly I need to do, since the attorney never still the letter to me. I was told all I could do was try to get a modification, which I really did n't need because I was only due for XX/XX/XXXX, but due to the bankruptcy attorney not sending the letter to me XX/XX/XXXX Citi filed a motion for relief, which is why I received the letters XX/XX/XXXX because at that time the attorney is no longer the middle person. I started the mod process the last week of XXXX XXXX, which I was told right off back it was looking good. I submitted all documents that were asked for, and received emails weekly stating that no further documents are needed at this time every week after, stating that the underwriter 's are still working on my file. All of a sudden I received an email on XX/XX/XXXX Stating the underwriter has requested updated documents because the items on file have expired. This was strange to me because every email before that no docs were needed. The same email also states in parenthesis ( you can probably use the same ones you sent us originally, just use some white-out and update the date ) This is FRAUD. I once again filled out everything all over again and faxed them back to XXXX XXXX XXXX, which I also emailed him to verify if the docs were received, the first email no reply, I turned around and sent the same email again XXXX on XXXX/XXXX/XXXX, and the other on XXXX XXXX XXXX which was last Friday, I finally got a response. XXXX told me I sorry to inform you but the file has been closed by the underwriter, and that he is going to have to dig through the documents and see what he can rescue so that he does n't have to ask for items that are not needed. He then tells me that because of time restraints, he will not be able to do that now but he will set a reminder in his schedule to give him time to review what they had on file. None of this makes sense to me when I was just asked to resubmit everything. I replied back to his email asking about the status of everything and he has not replied back. I have been told they Citi has customers to send in all these documents, only for them to never review them, because they want the documents to expire and they want you to go in foreclosure, this has been going on since XX/XX/XXXX. Which now at this point from the letter I received in the mail I am now in foreclosure, which is a little confusing because I was just asked to resend all documents. I do have every email that has been sent to me if I need to pass these on to someone for review.
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| 12/02/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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On XX/XX/XXXX at XXXX PM I received a phone call from Citibank with number XXXX ( this number saved under my phone contacts in case I need to call my bank so I dont have to search online ), saying that someone used your debit card in XXXX store in Georgia with amount of {$500.00}, please confirm if I used my card, I said no and the person who claimed that he is calling from Citibank said in that case we need to lock your account and set up a fraud alert.
I was surprised as my account was already had a fraud alert. While I was on the phone, a person asked to confirm my personal information which I did not give him as I felt a little suspicious then he said I have your card number and home address so he confirmed that for me.
After I received an email and text message from Citibank that my password has been updated, right after the second email came that the Fraud alert was set up and confirmed {$1000.00} transaction, I click NO. All this time person was on the phone with me and he was guiding what to do.
Then I saw he moved {$10000.00} from my saving account to checking as my checking account had less than {$1000.00}.
I asked him why you moving money from my accounts he said we confirming if a fraud alert is working, from this moment I figure out that its fraud who is hacking my account. I hang up and call back Citibank that my account was hacked, gave all information they claimed an investigation under my account Reference # from the Citibank Fraud department is XXXX. It was XXXX XXXX transactions were made to XXXX XXXX with amounts of {$2500.00} ; {$1500.00} ; {$1000.00} ; {$2500.00} ; {$1500.00} ; {$1000.00} total of 10K. Citibank told me that by XX/XX/XXXX you will receive back your refund. Although I keep receiving emails from fraud and I changed my email in the bank account and password and opened a new account to move my money as the old account was hacked and I don't trust them anymore.
Today XX/XX/21 I am calling the fraud department in Citibank again to follow up, they told me that claim was denied and we are not refunding your money as the transaction happened online with your permission. I didn't confirm non of these transactions.
We trusted Citibank to secure our bank account, and I've been their customer for 12 years if Citibank can not secure their system how do they want us as customers to trust them now. After that news, I asked to speak with a supervisor over the phone and again explained to them that they are not requesting any evidence from me but they denied already what type of investigation department is this that making decisions out of nowhere. Supervisor Name XXXX made a note and said you will receive an email within 2 business days to provide proof of emails that were received from " fraud Citibank '' and 5-7 business days mail about your status of a claim When I went to Citibank branch by my house there was another senior couple who were complaining about fraud and I overheard them that they lost 40K and the XXXX XXXX XXXX XXXX XXXX me himself that lately a lot of customers complaining about fraud. So if your own people know what's going on in your bank system why you are not securing your system???? They are hacking Citibank left and right and they totally fine with that. Please take under your consideration and accept my complaint for Citibank that not returning and not properly running investigation on their side. All documents ( calls and emails ) and proof of transactions are attached Thank you
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| 11/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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When XXXX changed their credit card affiliation from XXXX XXXX to Citi Bank, I was issued a Citi Bank card in the mail, without applying or requesting it. Since it was my XXXX XXXX XXXX as well, I kept it for that purpose, but never put purchases on it. I never received a bill from them in the mail but didn't think that odd since I wasn't putting charges on that account. I was surprised to receive a call from Citi Bank a few weeks ago informing me that I had a {$240.00} balance on my card. My wife spoke with them ( as I am hard of hearing ) and they said the charge began with a XXXX renewal in XX/XX/2018, which we neither requested nor knew about. CitiBank contended that we were on paperless statements and that we had been sent notice of charges due by email. My wife told them that we were unaware of any charges until this moment, and we would gladly pay the {$60.00}, but would like the late fees and interest removed. The agent said they could remove the latest month 's charges, but nothing else. My wife spoke to two more supervisors over this agent who both said it was bank policy to never remove more than the last month 's fees and interest and that no one in the bank would be able to remove any more of the fees. She asked to escalate to the next level supervisor and was told that someone would call me in 10-15 days. It has been 15 days and I had not yet had a call. I am not hopeful for a resolution from the bank.
We did an email search and found only one statement had ever been delivered on this account, in XX/XX/XXXX ( see copy attached below ). It went to my junk mail. I was unaware of it and had never opened it. There were no other statements.
My wife called back and asked an agent how we got on paperless statements. She said it was online and mumbled something about " maybe it was clicked by mistake ''. She couldn't give us a date when this supposed " click '' occurred. I called later and asked to be given proof that I had requested paperless statements. The agent told me she couldn't give me any " proof '' it was done online and someone would have to have all my private information to do that.
It is our FAMILY POLICY to NEVER GO ON PAPERLESS STATEMENTS FOR ANY CREDIT CARD, since there is always the possibility of something like this happening. I never requested or " clicked '' for paperless statements.
My wife was told that there was no way to stop the accrual of fees and interest without paying the balance, so on XX/XX/XXXX we paid the balance ( {$200.00}, the total due minus the latest penalty and interest, which were removed ).
The card has been cancelled, so this can not happen again, but 1 ) I never requested paperless statements 2 ) I can only find ONE paperless statement that was sent, and that was after one month 's fees and interest had already accrued, my email account shows no other communications from CitiBank before or after ( except for the confirmation of our payment on XX/XX/XXXX ) 3 ) there is no XXXX anywhere near us, so I rarely think about them and their " automatic recurring renewals '' - I expect to receive a billing when I have a charge due and they sent me no notice 4 ) a search of my history on any other credit card shows that I always pay the amount due each month and 5 ) CitiBank never bothered to contact me by phone until the charges reached {$240.00}. I feel I have been scammed and that it was their purpose to run up charges on this account before actually contacting me regarding the bill.
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| 11/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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On XX/XX/2021 CitiCards XXXX. informed me of a reduction of a credit limit based on XXXX factors, a recent pull of my credit report and my XXXX ever late payment to them ( I simply thought I had paid this bill when I apparently had not ). Citi bank reduced my limit from {$4800.00} to {$1200.00} as a result of the missed payment. I was not served with a required notice of the late payment, nor was this payment attempted to be collected before they went to re-evaluating my account. This is an account that I have now maintained for over XXXX years with stellar payment history.
When I attempted contacting customer service initially to find out why they had done this, they read me the generated letter. I asked them for a copy of the report used, as the stated reason regarding reporting in their letter was : " Your credit report shows your balances on your revolving accounts are too high in relation to those credit lines. '' They claim their data was obtained by XXXX so I went and pulled my most recent XXXX report which is dated XX/XX/2021 ( The day before the notice ). My overall credit utilization is 21 %, of which XXXX accounts are greater than 50 % utilized, XXXX being my revolving bills account ( A low limit card with another issuer ) and the other being a 0 % financing line through synchrony for a large purchase. So being that these are the facts, my contact to customer service switched from a why to can I get a copy of the report used in the underwriting decision on my account.
The rep during my initial contact was unable to provide this, and claimed to have put in a complaint on my behalf. In the mean time, because my account was XXXX days past due, without any legally required pre-empt on the attempt to collect the debt, the rep did proceed to attempt to confirm payment on my account. This had irked me.
Being that customer service was unable to provide this to me while I was legally delinquent, I made another contact attempt on the following monday, with a request for an explanation. This too was fruitless, as they initially instructed me to file a credit reporting dispute. There is no reporting issue which I stressed, and asked to speak with a rep that can connect with the department that reviews credit limits. They provided me with a number to the customer service main line, which I called. Moving on after contacting customer service over the phone, I was directed to the credit limit increase/decrease department. However because my request was for an explanation of a decision, and not a request for an increase or a decrease, that rep was unable to help me. So they provided me with a number to contact ( XXXX ) due to the phone system not working right, which turns out to be for an unrelated third party monitoring company.
At this point, I am fed up as all I want is a copy of the report used to come to a lending decision, as it my right under the FCRA. Citi 's letter nor their reps seem to be able to provide this to me, and I'm not going to waste time filing a credit reporting dispute for a non-related matter. I would like a copy of the report citi obtained to make a lending decision, so that I may review it for accuracy. I do not understand how my current card utilization played a factor in their decision and it seems like they came to this decision arbitrarily due to XXXX late payment. There is an option that they should have used for this payment, and that's called a late fee.
This is bad business on their part.
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| 07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Macys has been inaccurately reporting on my credit bureau for the longest - reporting to only 2 of the 3 CRA 's - not XXXX. I recently caught it last year in XX/XX/2021. I have been in constant contact with Macy in regard to the inaccurate reporting and to get this rectified. When calling Macys, I have not been able to reach support via phone. I have been hung up on and blocked from reaching Macys. As proof and according to TN consumer law, I now record all my calls as proof. I have all recorded phone call interactions with Macy. They have had ample time to get this corrected and refuse to do so, they are not only NOT reporting the account as in dispute for inaccurate reporting, but they are simply not rectifying the issue and causing harm and damage to me and my consumer credit report. Not only that, but I have five calls recorded where Macys representatives refused to let me speak with the credit department because my card was past due 12 days, which I scheduled the payment but it had not posted to the account. They said if your account is past due you can not talk to the credit department which is greed and pure discrimination, due to the fact that they will only assist you which consumer credit issues if your account is current. No where in our contract does it state this information, and since when can they refuse to assist me with fixing a issue that has been ongoing over a year.
Nevertheless, in XXXX I received a call about being past due from XXXX. Therefore Macys provided my information to a third-party company known as XXXX, they called me with my banking information on file which I recorded- they were trying to see if i would authorize a payment from one of those methods. I never gave permission for XXXX to have my of my information, especially for her to just call out my banking info this was alarming so i told them I already satisfied the payment and not to call me again trying to collect a debt because i have no contract with XXXX. I made sure to tell them remove me from XXXX and leave my account alone with Macys as they have full permission to talk to me ( This is all recorded ) When I called Macys, I then discovered that XXXX put me in a cease of contact status through XXXX and Macys and in order for them to allow Macys to contact me again, I would need to authorize Macys and " service providers '' the ability to contact me. This is odd, being that I never provided this authorization in the beginning. Nevertheless, I had been in constant contact with XXXX since XX/XX/2021. XXXX is a supervisor of Macys at ex XXXX - ID XXXX. He provided me his extension to get this resolved but he has been trying but unfortunately has been unsuccessful and dropped the ball. I have suffered ruined reputation, XXXX, XXXX XXXX XXXX, and extreme stress in relation to this issue. In XXXX, Macys sent me a letter confirming that they would rectify the reporting issue and correctly report to all three bureaus, but still did not. At this point MACYS/CITIBANK has XXXX this request in its entiretly, because they are still reporting to only two bureaus and not XXXX which is causing lower scores on XXXX. Therefore I am seeking the following : 1 ) I am seeking monetary and emotional damages for violations of FCRA, accurate reporting as well as 2 ) failure to mark this account as disputed despite several contacts of dispute regarding inaccurate reporting 3 ) discrimination based on ability to pay and 4 ) have my account rectified as it should.
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| 04/21/2017 |
Yes |
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Web |
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On XXXX XXXX XXXX I contacted Macy 's to inform them via email that I did not get order # XXXX . I order fr om Macy 's on a freqeunt basis but due to the need to request a price adjustment on this order I called Macy 's customer service number. The representative I spoke to had trouble with placing the order, even though I am a Macy 's Charge Customer and all of my information is in the system. The order was for only one item a pair of pants. This order should have been delivered to my house. I requested a refund. On XXXX XXXX XXXX I got an email fro m Macy 's stat ing that the package was delivered on XXXX at XXXX , XXXX , Ga and signed for by XXXX . I live in XXXX , Ga XXXX and have had numerou s Macy 's item delivered to my house. The email stated that in order to get a refund I needed to return the item to a Macy ' s st ore or use the Merchandise Return Label included with the shipment. That would be impossible, since I never got the pants that I ordered. I call ed Macy 's and requested the address for the delivery and a copy of the signature. I was told that the address was : XXXX XXXX XXXX XXXX XXXX . I was speaking with an Off Shore Customer Service Representative. I informed the person that the address was the address of the Macy 's s tore at XXXX XXXX , not my home address. The representative said that she could send me the item again. I explained to her that I did not want the item. I wanted a refund. She did not seem to know what to do, so I requested a supervisor. I then spoke to an O ff Shore super visor named XXXX , and requested to speak with a US Supervisor. I did this because XXXX seemed to not understand the issue,. The third representative was XXXX in North Carolina, She said goes by the name XXXX . After explaining the entire situation, " XXXX stated that " Macy 's w ould try to help me. '' I explained to her that this wa s Macy 's error. That I was not asking for a favor to be done for me. I was requesting my rights as a consumer and a customer. I also gave her other order numbers to show her how frequently I have Macy ' s send items to my home address. I informed XXXX that I wanted the following : 1. I wanted my account credited and an email from Macy 's 2. I wanted an email from Macy 's that acknowledges that this was Macy 's error.
3. I wanted an apology. XXXX stated that she was unable to send me an email and that it needed to be done by upper level management. In case that there are problems in the future, I realize that it is important to have a paper record of this mistake. I WAS NEVER given A VERBAL APOLOGY BY XXXX OR ANY OTHER REPRESENTATIVE. I HAD TO TELL XXXX THAT I WOULD HAVE FELT BETTER, IF 3 REPRESENTATIVES AGO A MACY ' REPRESENTATIVE HAD APOLOGIZED. At that point she did offer an apology. XXXX called me back and said that I should have gotten the email from Macy. I i nformed her that I had not gotten any email from Macy 's or any kind of verification that my account had been credited. I shared with her that as a Macy 's Customer for many y ears I was amazed at the lack of Customer Concern. I got no answer. Nev er one word of appreciation or respect about being a Macy 's C ustomer. I informed XXXX that because I could not depend on Macy 's to correct this problem based on the way it had been handled I was going to file a formal complaint with the Bureau of Consumer Protection,
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| 07/03/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I opened my Citibank account in early XX/XX/2021, and I have never had the amount of issues I had with Citibank with any other bank my entire life. Every transaction I would make would throw a fraud alert and would lock my account and I would have to call the fraud department to review the account. Depending on the day of the week, their verification system would tell them my phone number was not my phone number and they would hang up on me. Countless calls and hours spent on the phone with them. One week, I was on the phone for 30 hours with them. The. The following morning, it took the person on the phone 30 seconds to unlock my account. These transactions were not unusual for me either. I am building a house and Home Depot was a frequent merchant of mine and it threw the flags. Same with XXXX and my local gas station. Nothing I could do would satisfy their algorithm and I have been hung up on more than my entire life if phone calls by them. I was treated like a criminal as though Im not me by every single person I spoke to. I usually had to call Citi private bank support if I wanted anything to actually get done because they were the only ones who cared. The final straw was when I deposited three checks from my old bank. Two for {$10000.00} one for {$5000.00}. All made out to me. I was on vacation when I made the deposit, and had thought that the funds would be available much sooner than electronically transferring which is why I requested the checks in the first place. But instead they just deposited with a processing hold. Later that day, I got an email stating that one of the checks had been returned, because the payees name didnt match the title of the account which it did, and I was given a receipt of the deposit. So I called and asked them where my check was and the {$10000.00} they said they would mail it back. So upon receiving the letter it stated the reasons again and that I was to bring in to the branch for re-deposit and review. However, the check was not my check. It was what they called a legal copy of my check. However, the account number was missing the last two numbers and the routing number had an extra digit at the beginning. So at this point I was already fed up with Citibank so I called the issuing bank and asked them to just cancel the check and they stated they couldnt because Citibank already cashed the check. At this point I theorized that must be why they changed the numbers on the check. Because they already cashed it and my money was in some sort of a holding account until I went to the branch so thats what I did. I went to the branch and redeposited the legal copy as they instructed. It flagged my account and placed it in a blocked status that I am still unable to have lifted and my account has been closed. So Ive lost {$10000.00} and Citibank says I now owe them {$10000.00} for what, I dont know because they will not provide me statements, no give me access to the messages in my secure inbox in my Citibank account. My only thorny is that the person who compromised my other bank, has somehow managed to tie up my Citibank account. I have a police report but Citibank wont even take that information from me or allow me to see my statements to verify all my transactions were made by me an that my citibank account wasnt also targeted. The person who got into my other bank account has an old ID of mine that isnt expired so they would be able to gain some access and thats what I think has been going on.
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| 09/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Credit card company forcing arbitration
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Web |
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To whome it may concern, I am a credit card customer of Citibank ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ). I had an item advertised online for sale and somebody contacted me and offered to purchase the item by paying off my credit card bill using a XXXX account. As many people know, this is an unreliable way to accept payment and a common scam so I contacted Citibank customer service and asked them : if I receive a payment from someone online who offered to pay off my credit card bill, how long after the transfer date will the payment be truly finalized where it can not be reversed. I was told by the Citibank customer service representative that I would have to wait an entire billing cycle ( 1 month ) after the funds had arrived into the account for all payments to be settled and no more transactions will be able to be made into or out of that account. Everything will be finalized by then and all payments settled.
So going on the advice of the CS representative I told the payer to go ahead but you will have to wait at least a month, they said ok and the {$11000.00} payment was sent on the XX/XX/XXXX, the buyer sent through all the transfer receipt details, and the payment was cleared into my account on XX/XX/2019. Then I proceeded to wait until XX/XX/XXXX before shipping the item. Immediately before I shipped out the item I contacted Citibank to ask if the status of the account or the payment had changed in any way, which they confirmed everything was in order and no changes had been made, so I sent the item out priority express as the buyer had been sending through abusive messages multiple times daily demanding that I send out the item earlier than the 1 month we had agreed upon. A few days later, on the day the package arrives, I check my credit card statement and it informs me that the {$11000.00} payment has been rescinded by the payer claiming that it was made in error.
This was obviously a fraudulent reversal and a warning to anyone who is considering accepting payment via credit card bill pay - do not accept this method as a form of payment, the payer can reverse the transfer at anytime, including 6 months later if they choose to and even if the credit card account has been closed down. The credit card company did not contact me or consult me on the matter before sending the money back to the payer, even though I had informed them prior that the payment came from an unknown source and to contact me if anything changes with the payment.
I contacted Citibank about this reversal and they bluntly informed me that now the money had been sent back there is nothing they can do and that I now owe them the {$11000.00} plus interest.
I also messaged the payer about the issue but received no response, and after threatening to contact the authorities and have the item they purchased ( a watch ) registered as stolen, 1 month later I received a response from the payer saying that the reversal must have been made accidentally and that they will repay the amount that was reversed. On XX/XX/XXXX I received a payment of {$15000.00} into my credit card account originating from the same XXXX account. Then the payer demanded that I send the difference ( {$4000.00} ) to him overseas via XXXX XXXX ( which of course I will not do ) by XX/XX/XXXX or else he will reverse that payment as well. As this date has now passed the payer is now stating that they will reverse the payment immediately unless they receive the difference via XXXX XXXX.
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| 10/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I sent my first registered mail to Citi Cards XXXX XXXX XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XX/XX/23 XXXX pm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX am when I followed up with phone call they were unable to locate the letter and XXXX XXXX XXXX ( Citibank 's indentured bank in charge of discharging debt ) RF XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX am follow up phone calls showed that the letters were not in system, and I was later informed that they were sent to Citibank in XXXX XXXX I received a letter XX/XX/23 telling me that my account was delinquent, and they were no longer going to contact me due to my letter. They didn't answer any of my questions.
I will enclose all correspondence I sent them. I have a right to have my questions answered.
Is my debt valid, or is it being XXXX by The XXXX XXXX via XXXX A ( I have since filed a XXXX A myself online with the IRS and it was accepted ).
Is my contract being traded on the Primary or Government market, and then on the secondary or XXXX XXXX? Is my lawful percentage of this consumer transaction 80 %, and they are entitled to a 20 % servicing fee. As per the IRS code income is defined as stocks and property.
Does my signature with my name and social security number give them access to the Treasury window to get paid?
Is the statement ( nowhere does it state bill ) they are sending me, actually of a dividend check ( bottom part ) and bond ( top part ) of a XXXX that was created from my credit card account in the Treasury 's XXXX XXXX XXXX?
Am I supposed to stamp it according to 31 CFR 328.5 and 328.6, and endorse the back of dividend check?
What does it mean to write over my security rights? Does this deprive me of lawful income and the IRS of lawful taxes? Did they furnish me with all the relevant and necessary information to make an intelligent and informed decision concerning this matter.
I understand that I gave them implied consent by participating in their automatic payment programs, and giving them access to my bank accounts.
Having said this, I have questions now that need to be answered, after all a contract is only valid if both parties are properly informed, and both parties sign the contract. I have since then rewritten my contractual agreement, and sent it to their legal department via certified mail.
There also is a mandatory arbitration clause in Citigroup ( Citibank 's parent company ), nobody has offered me arbitration.
This is also potential security fraud and tax envision, and falls under FINRA regulations, and needs to be heard there. Citibank is considered a foreign liability company with its headquarters in XXXX and is governed by the UCC.
They kept charging me interest and late fees even though we entered a billing error, and took adversed action against me by suing me and closing my credit card which is a violation according to 15 USC 1666 a and 12 CFR 1002.2, UCC 3-603 and 3-604 ( They never returned my stamped and endorsed financial instrument which is sent registered mail ).
As a federal protected consumer I have a right to ask these questions, and have them answered in an honest and respectful manner. All my purchases were for home and personal use only.
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| 02/05/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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In XXXX XXXX I was asked to represent a seller in petitioning his lender - CitiMortgage to allow them to do a short sale because of a financial hardship that was created when the occupant relocated. The borrowers household budget could not support this property expenses as well as their living expenses. I received an offer on the property and have had numerous conversations with the lender including the submission of several duplicate documents which on occasion has not been uploaded so that the representatives can identify the docs. The file has been transferred a few times, XXXX appraisals done the beginning of XXXX XXXX and the value is grossly overstated. At the time the appraisals were done, the city had issued code violations that were readily available but the appraisers failed to provide the reporting of these violations which were issued XXXX XXXX. Furthermore, Citi Mortgage assigned the property to a preservation team while the property remained occupied by the tenants in XXXX XXXX. While the tenants were in the process of relocating they communicated their move out date to the rep which in turn changed the locks etc..I had to call Citi to obtain access to a property that the owner - WHO IS STILL MAINTAINING THE HOME was not aware that they entered into his home. I am currently disputing the net requirement at closing of {$58000.00} because the homes in the immediate area/and like condition does n't allow for the sales price that would net {$58000.00}. In addition the value has declined even further because of what has been done to the property that will cost additional money to restore. At the time that I listed the home ( I have photos ) the porch needed MINOR repair because of cracks near the steps however, I went to the property on XXXX/XXXX/XXXX and immediately viewed the horrible cement job that was done by the preservation team. Someone replaced the stairs and attempted to patch the cracks on the porch. The homeowner is unaware of who authorized this and at the time the buyer viewed the home, this damage ( called repair ) was not present. I am quite disturb that this is directly impacting the file moving forward. Most recently I received a call the homeowner support specialist requesting additional information - I forwarded pictures, XXXX, citations from the city referencing the Occupancy Cert removal, an affidavit the city required signed by the buyer, a letter drafted by myself reflecting the quality of the home that is diminishing due to the lack of attention by the assigned preservation team and their unauthorized work performed without the appropriate permits pulled for the cement work. As of today the CitiMortgage rep failed to honor a scheduled appt to continue the discussion of the file with the goal of getting this matter settled and approved because this case has been opened since XXXX XXXX. After waiting a hour for the rep to call, I contacted Citi and was told that neither she nor her manager or team lead could be located after being left on hold for several minutes. I am concerned that the borrowers will not be given a fair and accurate consideration. The buyer has increased his offer from the initial offer in spite of over {$14000.00} in repairs the home needs. The avg home price in this area is {$55000.00} which is move in condition. This home does not meet the criteria of " move-in '' because of repairs required by the local municipality in order to have the occupancy certification re-instated.
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| 07/05/2016 |
Yes |
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Web |
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Since XXXX/XXXX/2016 I was trying result the issue with me old XXXX XXXX card with no Luck! I was calling more than XXXX time to XXXX to try to pay my bill but the seems not to care and told me they sold my account to Citi cards without my permission without me receiving anything from Citi cards no agreement or card or nothing and I never signed anything with them. I have been calling Citi cards since XXXX/XXXX/2016 without any resolution up to date! Even I let them know that I am not interested in their card or their business! XXXX cards employees and customer service are the worst ever in life! XXXX, XXXX, unprofessional, low class, XXXX, XXXX! For the last XXXX days any Citi card number I call they put me on hold forever and just never answer my calls!
On Sunday XXXX/XXXX/2016 I had to wait XXXX minutes for " XXXX '' from Citi cards to answer my call! And when I asked her for her ID as a reference of my call with her! She " refused to provide her employee id or any info '' but she expects me giving her my SSN and other sensitive info! I asked to speak with her and her Super Visor and I had to wait another XXXX minutes, then I got " XXXX XXXX '' super visor which also " refused '' to provide her ID! I explained her! That I do not owe Citi cards nothing! Since I never signed with them any agreement and never activated any card and not interested in their business never and ever! Since she kept refuse provide me with her ID I had to end the call with her.
List of Citi Cards Phone Numbers that never answered the calls and times I was waited!
XXXX XXXX/XXXX/16 XXXX - XXXX minute long XXXX XXXX/XXXX/16 XXXX - XXXX minutes long XXXX XXXX/XXXX/16 XXXX - XXXX minutes long XXXX XXXX/XXXX/16 XXXX - XXXX minutes long XXXX XXXX/XXXX/16 XXXX XXXX minutes long XXXX - XXXX, PA XXXX/XXXX/16 XXXX - XXXX minutes long XXXX XXXX/XXXX/16 XXXX - XXXX minutes long On XXXX/XXXX/2016 called Citi card XXXX and spoke with " XXXX '' and I asked her close the account and she said she can not do it because there is a block on the account be Citi Card Fraud Department so she transferred me to the fraud department and I spoke with " XXXX '' who I provided my SSN and DOB but she refused to provide her id and was laughing at me with other in the background while we talk on the phone! I asked her to close my account! She says no problems! But when I asked her for reference number for this conversation and to make sure she closed the account! She said to me! She can not provide me with reference number! And she says she can not provide her real ID number and start to make up id and gave me " JAW '' and she hangs up the phone. She was super XXXX! XXXX! Disrespectful! Unprofessional! Just ashamed on Citi Cards and their low class employees who trained to be a liars! She never sent me any email that shows that my account is closed! And anytime I call to any Citi card phone number they are not answering!
I am asking that Citi Card will " CLOSE MY ACCOUNT FOR GOOD '' and transfer back the debt to American Express and advised them to provide me with " A Replacement XXXX Card " That I will be able to pay to XXXX!!! Since I am not interesting in Citi Cards and I am " DISPUTING '' the entire debt that was sold to Citi Cards!!!!!
And if XXXX wants this debt paid to them! They must provide me with " A Bew Replacement XXXX Card!!!
I am not dealing with Citi Cards in any way! And I never signed any agreement with Citi Cards! And I do not owe them anything!!!!!!!!!
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| 09/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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This is for wayfair credit card on XX/XX/2023 and XX/XX/2023 I made two payments of XXXX each to be directed to my interest free for 24 months balance. I did these payments online and then called over the phone to have them posted to the intrest free for 24 months. They were done and when I was done with the last one I was advised my balance was XXXX. Then in the coming month I charged XXXX to the card for the statement for XXXX XXXX When When I received my statement for XX/XX/2023 my total due was XXXX. But there was a charge for XXXX which I never did. I called the company they advised me there was a payment that was reversed by my bank for XXXX.
I advised them that was not correct and filed a dispute. I got my new statement for XX/XX/2023 stated my balance was XXXX I called and I filed a dispute the agent told me they did not see any payments made by me for XXXX and I filed another dispute, because I never heard about first dispute. Then in XX/XX/2023 I received my new statement balance was XXXX because the last agent credited me interest charges for XXXX while dispute was being investigated she stated I was not suppose to have the returned payment of XXXX because I never attempted that payment. Mean while never heard about dispute so I continued to make minimal payments.
Finally XX/XX/2023 I filed another dispute for the same charge and finally got a response that the charge for XXXX was not from a retunred payment it was a issue with my direct payments being applied to the account. i was told by account manager that when they add direct payments to a account there is suppose to be equal positive and negative charges to balance out the account but in my case there were only postives and no negatives but they fixed it and account balance is correct.
I hung up the phone and for the first time I when threw all my statements since XX/XX/2023. I found that oon my statements there were a lot of direct payment adjustments on my account that I never made. There as followed XX/XX/2023 XXXX, XX/XX/2023 XXXX, XX/XX/2023 XXXX, XX/XX/2023 XXXX, XX/XX/2023 XXXX, and XX/XX/2023 XXXX. I only made two direct payments of XXXX each on XX/XX/2023 and XX/XX/2023.
I called the bank back and spoke with XXXX from tennessee on XX/XX/2023 at XXXX XXXX we were on the phone for 1hr and 10 min he went threw my entire account and found there was a error with the direct payments and he advised me he filed another dispute. I called back the next day to see if there was a dispute filed I was told no, so I asked for a account manager I was put on hold and called dropped.
I called back on XX/XX/2023 spoke with XXXX from tennessee explained to her the entire situtation she researched and found there was a error as well with direct payments, She stated we should remove all direct payments and start all over to fix your balance she put me on hold and then came back and adivsed the direct payments are to old and the system will not allow her to remove or change them. She advised she needs to speak with a supervisor to have them removed she put me on hold and came back and advised they are to old to be removed and there is nothing that can be done. I asked her what do you mean this effecting account balance and my credit she apologized and advised there is nothing that can be done.
My account balance is XXXX and over the limit by XXXX they are not willing to fix my acocunt. Someone messed up on the direct payments and the company will not fix the issue.
|
| 01/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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|
Web |
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My wife and I have been credit card customers of Citi for over 15 years. We have nearly perfect credit and have never missed or been late with a payment in our time with Citi, and have always paid our balance in full.
On XX/XX/XXXX, I mailed a check with the full statement balance as a payment, due on XX/XX/XXXX - exactly the same as I do for every other monthly payment, one full week in advance of the due date. However, Citi did not process the payment until 3 days after the due date. Citi further marked my account as having been " delinquent, '' and charged late fees as a result. Citi did not attempt to contact me, either via email or phone, at any time to tell me about this issue. On XX/XX/XXXX, Citi then declined a recurring payment because they claimed my account was delinquent, even though I am still well below my credit limit - again without contacting me to inform me. This resulted in me being late in my monthly payment to another vendor.
I called to complain on two separate occasions. On the first occasion, Citi put in a request to waive the late fee. On the second call, Citi told me they had already removed the late fee, but they claimed they had no way to remove the " delinquent '' status, since they hadn't processed the payment before the due date ( even though the delay was not our fault ). Citi also told me that they will report my account as delinquent to the credit bureaus, even though they have already since processed the payment for the full account balance from my last statement.
During this second complaint call, Citi made several fraudulent claims. They first claimed that we didn't mail the payment out on time. When we told them we could prove it was mailed on the XXXX, they then blamed the post office for delayed delivery and claimed they didn't receive the check until after the due date. When asked why we weren't notified, Citi claimed that they could not notify us about our payment not being processed on time because we were on a " do-not-call '' list, even though we had opted out of being contacted exclusively for marketing purposes only. Further, we regularly receive automatic emails from Citi telling us our statement is available online, and have received calls and emails about other account status changes as well.
Citi claimed that they were following their standard banking policy by putting our account in " delinquent '' status, even if our payment was only one day late through no fault of our own. When my wife, who is a banking executive, pressed the Citi customer service supervisor on which " standard '' banking policy she was referring to, the supervisor then said it was Citi 's bank policy to do this, and that we were " wasting our time '' to argue with her any further. It was clear that Citi 's " bank policy '' was designed to use the convenient excuse of delayed post office deliveries during a pandemic ( and during the holidays ) as a predatory mechanism to charge extra fees from their customers without notifying them, and it was only by chance that we discovered this.
I told Citi during this call I would be filing complaints to all of the appropriate regulators. Two days after saying this, we got a letter delivered via XXXX overnight mail ( not their normal mail delivery method ), where Citi claimed that I had requested to not be contacted for any reason, including for late payments. We have never made such a request - in fact, we had just requested the exact opposite from Citi.
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| 07/02/2015 |
Yes |
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Web |
Older American |
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I have had a CitiBank Citi Card ( credit card since 1991. I have been a good customer for them as at XXXX point I had for various reasons an amount owed of over {$70000.00}. CitiBank has made a small fortune in interest charges from my account. I paid the total amount owed and swore I would never let the balance go without being paid in full each month. Then I lost my job and good salary and ended up having to use the card to live and pay bills with, thinking I would be able to get reemployed. I have been unemployed now for over 1.5 years and since I am XXXX years old, it does not look like anyone wants to hire me. I now owe Citi Card over {$32000.00}. They are charging me $ XXXX/month in late payment, over credit limit fees and interest at 15 % and 29.9 % combined. This despite the credit limit being driven over my credit limit because of the penalties and interest they keep adding onto the account each month, not because I am using the credit card. I have cashed in all savings, XXXX, Annuities, etc. trying to survive and last year had less than {$30000.00} in income ( primarily from social security ). I have had numerous collection department calls per week because all I can afford to pay them per month right now is {$410.00} and that is only if nothing happens out of the ordinary like when the car broke down and had to be towed to the shop for repairs. Could not pay Citi Card that month. I have asked them to stop charging me interest so I can start to pay down the principal amount I owe them, but they refuse, even though they know that I am elderly and unemployed. I have told them they are forcing me to have to file Chapter XXXX bankruptcy and since I have no real assets left ; they will end up receiving NO money at all, instead of letting me continue to pay them what I owe them at the $ XXXX/month rate. They will not reduce what I owe by reversing the exorbitant interest charges, thereby dropping the total amount owed down to the point where the $ XXXX monthly payment will allow me to pay them off over the next five years at that rate ( even though at that amount there is not enough money left after paying bills to be able to pay for my XXXX XXXX XXXX health insurance, or the copay amount I owe to doctors. I currently have macular degeneration, but can not afford to even go to the doctor to have it checked. My vision in my right eye is like looking through a fog, and getting worse. The Citi Card is the only bill I can not pay as I have reduced all other expenses to the bare minimum and am renting out a bedroom in my house for extra income. This has allowed me to stay current on all other bills and to actually have some money left to buy food to eat for a change. My son has given me {$10000.00} over the last months, but he has his own family with XXXX children and can not continue to subsidize my for much longer. How much money should this company be able to make off of me under these circumstances? I could understand an interest rate related to XXXX interest rate, but past that is usury, and should be prohibited. Can you bring pressure on this company to comply with my request so I can pay them what I owe them and get my self out of debt to them, PLEASE!!! Needless to say, they have also ruined my credit rating which was a score of XXXX down to a score of XXXX. I have not done any of this on purpose and certainly do not want to end my life with such a negative stigma and in this kind of debt, please help me. Thank you.
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| 03/16/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
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I am writing to file a formal complaint against The May Department Stores Company and Citgroup who purchased the May Department Stores Company credit card receivables and services all cardholders for a deceptive business practice of offering deferred interest programs with full knowledge they would block consumers from applying payments towards deferred balances illegally generating deferred interest.
I am requesting your office investigated this illegal practice and enforce current laws or enact new laws to prevent this type of leading practice targeting minorities and seniors and file a class action lawsuit on behalf of all consumer affected.
I made ( 2 ) two deferred purchases first on XX/XX/XXXX, in the amount of {$1000.00}, second on XX/XX/XXXX, in the amount of {$500.00}, for a total of {$1500.00}.
Although I made other purchases during this time period XXXX XX/XX/XXXX XX/XX/XXXX, I paid Macys {$2800.00}, towards my deferred balance who refused to apply said funds as directed and blocked consumers from making selective payments towards deferred balances.
After I filed a formal complaint Macys then decided to apply two payments in the amount of {$420.00}, towards the deferred balance then charges {$490.00}, in deferred interest after 12 twelve-month period ended {$310.00}, interest for {$1000.00}, purchase and {$180.00}, interest for {$500.00}, purchase and claimed balances were not paid prior to ending period with full knowledge Macys blocked consumers from applying payments towards deferred balances.
Macys engaged in a deceptive business practices by refusing to disclose how consumers can apply payments towards deferred balances prior to purchase, blocked consumers from applying payments towards deferred balances, falsely claimed deferred interest on the of {$1000.00}, purchase was {$280.00}, but charged {$310.00}, claimed deferred interest on the amount of {$500.00}, purchase was {$110.00}, for 12 months but charged {$180.00} interest for balances that were paid.
Macys knowingly applied payments towards newer purchases without the consent or knowledge of consumers, sent out complicated statements that did not show or disclosed formulas or rational uses to apply payments towards deferred balances then claimed it was the consumer responsibility to apply said payments.
In addition, Macys refused to allow me to dispute the interest charges or calculations told the consumer to make additional payments, said consumers do not have the rights to dispute any of their billing or interest charged which is a direct violation of Fair Credit Billing Act.
I asked Macys to allow me to file a billing dispute under the FCBA, placed disputed amount aside and remove from outstanding balance opposed to being charged more interest on the deferred interest charged in amount of {$490.00}, until issues can be considered reviewed by several government agencies. Macys denied my rights to dispute deferred charges which is a direct violation of FCBA.
Therefore, I am seeking assistance and ask your office to investigate this deceptive business practice and provide relief in form a class-action lawsuit or enact and enforces laws to prevent companies for using this deceptive lending practice.
Please find attached an XXXX spreadsheet and Macys invoices showing payments and balances and Macys billing statements for evidence your review please note first payment amount was {$400.00}, almost half the amount charged {$1000.00}.
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| 11/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I opened up several disputes on my two citi bank credit cards in XX/XX/2020. The disputes were for digital items, all against the same merchant, and all for the same reason ... not being able to play the game after I bought digital items, due to their server kept crashing, and severe server lag on the game company servers. Company admitted the issue in emails to me, on their social media accounts, and their official forums. After months of trying to get it fixed, and them not being able to provide a solution, I opened up a dispute with citi bank for the transactions. I provided all the proof of the server issues, and the merchants own admissions about the issues on XX/XX/2020 at XXXX XXXX EST and XX/XX/2020 at XXXX XXXX EST. I was initially given an initial refund by citi bank in the amount of {$350.00}, while waiting for the merchant to respond. Merchant did respond in the initial time frame, so the charge back amount of {$350.00} was put back on my card.
Citi bank then asked for more information if I wanted to continue my dispute on XX/XX/2020. The wanted proof of what was ordered versus what was received, proof I tried to work out the issue with the merchant, and proof I returned the items I received. I explained to them in a follow up email, that I couldn't return the items because they are digital items, but I never used them, and the merchant is welcome to remove them from my account and give me a refund. I provided them the email chain between the merchant and I, where they admit the server issues are well known, but they are unable to fix it, and they would not give me a refund. The email chain was directly between the merchant and I, and had all the dates of contact. I also provided proof of what was ordered and what was received. I sent this information back to citi bank in an email on XX/XX/XXXX at XXXX EST. I also sent a follow up email with further explanation of my issues with merchant on XX/XX/XXXX at XXXX EST.
I got an email from citi bank on XX/XX/2020 at XXXX EST that they issued a 2nd charge back to the merchant for the disputed amount of {$350.00}. I also got a follow up email from citi bank on XX/XX/2020 at XXXX XXXX est, saying the merchant hasn't responded yet, but they had until XX/XX/XXXX to respond. The merchant never responded. I contacted citi bank on a weekly basis after that to find out why this case wasn't closed since the merchant did not respond in the given time frame. I contacted citi bank until the middle of XXXX, and they kept telling me they don't have any updates. On XX/XX/XXXX I got a letter from citi bank stating they were closing the dispute for {$350.00} because I did not provide details on the dates of contacts with the merchant, or that they proved or that I attempted to return the merchandise.
This case for {$350.00} should have been closed in my favor, since the merchant did not respond to the 2nd charge back for almost 2 months, and they were only given until XXXX. The fact that they closed my case, saying I didn't provide the information they requested, which I did the date/time of the emails are listed above. Further more, they closed other disputes against this merchant in my favor in the amounts of {$90.00}, {$330.00}, and {$250.00}. There are still several disputes open that citi bank is giving me the run around for. Two of them are currently in arbitration with XXXX, because the merchant responded to those 2nd chargebacks in the time frame given by citi bank.
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| 03/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I have 2 cards with Citibank. One for about 6 years. One for about 2 years. I received 2 emails on XX/XX/XXXX that a review was done on my accounts. They said I owed a lot to other creditors ; therefore, they reduced my credit lines on both accounts so they would be maxed out to about 99 % of the line. Prior to that I had approximately {$1000.00} available on both cards. I was given no notice. The emails said it was effective immediately.
My credit score has been over 700 for at least over the last year. My current credit reports show no late payments at all. It also shows all my accounts as current. Of my 2 credit cards. I had only 1 late payment for 2 days which I paid the same day as the call. I also paid my next months ( XX/XX/XXXX) payment approximately 4 weeks early. I called on XX/XX/XXXX to ask if they can reverse the decision. I also explained to Citi that I also had a recent increase in income.
I understand the technical reason why the credit line was decreased ; however, I believe that this is act in a violation of Unfair, Deceptive or Abusive Acts and Practices ( UDAAP ). The actions taken by Citi will add 3 factors that will negatively decrease my credit score : 2 cards maxed out at 99 % and a significant percentage of my use of my combined credit lines. I have very good credit and a very good payment history both directly with Citi and on my credit report. I have used my credit lines responsibly and within the limits provided to me. Now my credit score will be affected negatively, not by my actions, but by the actions of Citi.
On Friday a credit specialist said given the circumstances, she would submit a request to have them reviewed again to reverse the decision. She put through 1 request ; however, she couldnt put through the 2nd request because my payment was 2 days late. I told her I would use the mobile app to make a payment. She told me it would take the next day for it to reflect on her system. She said a supervisor would have to review the request and I should get a response in a couple of days. She told me I could call the next day, today, XX/XX/XXXX once I made the other payment. I paid the XX/XX/XXXX payment and I paid the XX/XX/XXXX payment so I am current and paid the XX/XX/XXXX payment about 4 weeks early. When I called today, the credit specialist told me that she could not reinstate my credit after review. She told me they dont just look at the ability to repay. This was her response when I told her my credit score and payment history.
I asked to speak to a supervisor. His name was XXXX. He said the department wont go against their guidelines or override the decision. I asked if there was anyone I could speak to and he there is nobody higher than him I can speak to. He also told me that my pending request from yesterday is still pending but will be rejected. I asked since he used the words guidelines and overrides, it implied that discretion could be used ; moreover, it seemed to contradict that it was impossible to reverse the decision.
I also feel he was not being truthful when I asked if this could be escalated or if there was anybody else I could speak to. To sum this up, I feel it is unfair to penalize a customer with credit score of over 700 with a good payment history for years with all his accounts in good standing. I am not requesting for new or additional credit. All I want is the credit line I had prior to this action by Citibank that I have been using responsibly for years.
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| 05/28/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I noticed a fraudulent charge of {$700.00} from XX/XX/2019 when logging into my Best Buy Credit Card online account on the night of XX/XX/XXXX. The next morning, XX/XX/XXXX, I called Best Buy to report the fraudulent charges that were listed in my online account as having been made at a store in XXXX, NY.
During that XX/XX/XXXX phone call, I told the representative that the {$700.00} charge was fraudulent and I specifically explained to the representative that I was concerned with potential identity theft and since there was no way for me to lock the card through my online portal, I requested that the Best Buy card be locked/put on hold so no more potential issues could arise AND that a password be placed on the account.
When I called back in a few days later to follow up on why the fraudulent charge was still showing in my online account and why it wasn't removed, I spoke to someone else and she immediately made me feel concerned that the initial phone call I had made to report the fraud charge was not done properly.
This representative then stated to me that she would finally be tagging the charge as fraud, it was going to be investigated and that she would need to shut down the existing card and send me a new one in the mail.
Concerned with the Best Buy credit card fraud and potential identity theft, I went to the Pennsylvania State police on XX/XX/XXXX and filed a police report, specifically citing the Best Buy fraudulent credit card charge.
On XX/XX/XXXX, I received what was essentially an inaudible voicemail message that seemed suspicious to me, so I sent a secure message through my Best Buy online account asking if it was really them that had left me a voicemail message. When they confirmed it was, I called Best Buy again on the morning of XX/XX/XXXX and explained my concerns around the inaudible message and once again around the fraudulent charge on my card. The man I spoke to during this phone call stated it was being investigated and I would not be held liable for the fraudulent charge.
After logging onto my online account again a few days later, I then noticed two more fraudulent charges in the amount of {$670.00} and {$430.00} that hit my online account on XX/XX/XXXX from a Best Buy store in XXXX XXXX, New York.
I once again called Best Buy about the additional fraudulent charges and expressed my concerns about how it was even possible for those two new fraudulent charges to have gone through when I still had not even received the new card in the mail. The customer service representative on the phone was unsure and suggested I call the security operations department during their business hours. I did what she suggested and was connected to a very unpleasant and unhelpful representative named XXXX ( rep ID XXXX ). I once again inquired with her how additional fraudulent charges could have even been made when I had not yet received the new card they were supposed to be sending out in the mail. The representative XXXX seemed disinterested in trying to assist and just kept repeating " we are not sure, we are investigating. '' After trying to take every possible step I could think of to proactively protect myself by asking for a hold/freeze to be placed on the card, adding a security pin and agreeing to receiving a new credit card, I have zero confidence that Best Buy is trying to protect the customer ( me ) with the same sense of urgency and security as I am and that is disconcerting.
Thank you
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| 05/06/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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The problem started on XX/XX/XXXX when I received a new debit card for my Citibank Checking Account, as I received the card I proceeded to activate it through the phone number listed on the sticker of the new card, their automated recording gave me a message that the card had successfully been activated, however a month or so after, I attempted to use my card at a store and I was told my card had been declined by the bank, I knew this was an error as there was more than enough funds to cover the transaction amount. The next business day I took my card and physically went to one of Citibank 's branches in XXXX where the branch manager checked the information of my card and called their debit card department where they verified that there was an issue with the card, however according to them they solved the issue over the phone. A couple of weeks later I tried using the card again XXXX in XXXX XXXX and the card not only got declined but the merchant received a message that the card was reported stolen at such point the merchant confiscated the card and I was put through humiliating experience in front of other people. After this episode I immediately contacted customer service from overseas having to incur long distance phone expenses and additional expenses from foreign transaction fees that where charged to me by my other financial institution ( I have a Citigold account which does not charge foreign transaction fees while XXXX ), I was told by the rep on the phone that they will be overnighting a card to me to XXXX XXXX, the card arrived 4 days later at which point I was already returning to the US, so I received the card and waited two days to activated once I was back in the US. I activated the new card and tried using it and got declined again, so I called once again to the customer service number and was told that the XXXX digit code on the back of that card did not match what was on their system so they where going to be sending another card. At XX/XX/XXXX I received card number XXXX and called the customer service number to activate it and make sure all the information matched what they had in their system and the agent tells me that the code does not match again, ( sounds like a joke ) at this point I request to speak to a supervisor and get to the bottom of the issue. I spent around XXXX minutes on the phone while I am on my way to the airport on XX/XX/XXXX trying to get the issue solved with this supervisor and she assures me that by XX/XX/XXXX I will get my card at the hotel where I was going to be staying at in XXXX, FL, well no card came on Tuesday so when I received a call from Citibank to verify that the card was received I told them that no card had been received, so they sent out another card to be received on XX/XX/XXXX ( card number XXXX ). So on XX/XX/XXXX XXXX card came to the hotel and neither XXXX of the cards are the correct cards ( XXXX of them is an ATM only card and the other card does not match my account type ). I have tried to communicate with Citibank through all channels possible, including social media ( Twitter ) and everyone promises follow-ups and solutions but then nothing. I lastly requested an email address to their executive offices and was promised that I will receive such address, but it has been 4 days and no address has been received.
I do not want this type of incompetent actions by this large institutions to go un-noticed as we the customers are paying for their services.
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| 06/20/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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In XXXX of XXXX I purchased a new XXXX speaker from Best Buy for a little under {$1000.00}. I opened up a Best Buy credit card through Best Buy Credit Services, financed by CitiBank on the agreed upon stipulations there would be no interest fee charges so long as I paid the balance due from the purchase of the speaker within XXXX calendar year. Subsequently, I began making {$100.00} payments toward what I owed. I in fact paid off the speaker XXXX months *early*. After reviewing my account on their site, they absolutely charged interest on my account, and only after speaking with a representative, some of interest fees were removed but not all. In fact, they had taken a portion of some of my payments and applied it toward their assessed interest, such that now it appears on my statement as Ive not paid enough to cover my balance ( which I have clear documentation from their site that I have duly paid what I owed ). In other words, I made {$1000.00} in payment toward the speaker, they inappropriately assessed interest when we both agreed they wouldnt within 1 year, they inappropriately intercepted my payments made toward my speaker and applied a portion to those frivolous interest charges, and are now reporting to the credit bureaus that I was XXXX ) delinquent in making payments ( which is patently false ). I had a 100 % payment record on my credit report prior to their shake down XXXX ) that I have an outstanding balance still due with them ( which is patently false ), XXXX ) they lowered my credit limit from {$2500.00} to {$350.00}. Which dramatically, and negatively, effected my overall debt to income ratio on my credit report. All while Im literally in the process of looking for a home/home loan. All told, they have negatively affected my credit score by 104-106 points. I currently have a credit score of XXXX and should have a score of XXXX as I have no outstanding debts, and I have a 100 % payment record. Full stop.
Best Buy Credit Services and CitiBank illegally assessed interest charges and fees on a debt that was paid and when they they had a clear contract with the consumer to not charge these interest charges and fees. Subsequently they are abusing their right to submit information to the 3 major national credit bureaus and using them to shake down their customers for their, at the very least, inappropriate fees and charges. The credit bureaus will not remove the account from my report even after having provided exceedingly clear evidence that Ive paid what I owed, and that the negative remarks amount to fraudulent activity on my report. However, because apparently the word ( and whatever fabricated documentation theyre able to produce ) of the creditor is stronger than the evidence of the consumer. This is nothing more than a modern day, legal, mob enterprise thats using our national credit bureaus to shake down and extort Americans out of millions of hard earned dollars by holding their credit scores hostage for illegally assessed interest fees and charges. Full stop.
Theyre quite literally costing me thousands, if not, over {$100000.00} in direct damages with the current state of interest rates and how Im not able to get a rate from a bank now thats lower than 8 % because of my credit score.
CitiBank is the worst company I have ever dealt with and I would rather eat glass on the surface of the Sun than bank with them or purchase another product from Best Buy ever again in my entire natural life.
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| 11/18/2015 |
Yes |
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Web |
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XX/XX/XXXX, after looking at my statement I noticed that my credit card company Citi/Shell had reversed XXXX payments made XX/XX/XXXX, XX/XX/XXXX and applied late fees to each of these payments. I was not notified by the credit card company of any of this and only found out by signing into my online account. At this time, I contacted Citi/Shell customer service and told these payments were reversed because my bank had returned them unauthorized. First of all, if my bank had returned them they would have notified me ( as well as a bank charge for a returned item ), of which my bank had not. Secondly, why were they just not stating these unauthorized payments 3 months later? I asked these questions to the creditor and I was not given an explanation. I was just told they were unauthorized by my bank and I needed to contact my bank, which I did and my bank stated that they had no record of any unauthorized or returned payments from this creditor. I showed this information via a letter from my bank to the creditor, as they requested and disputed these reversals. Every time I submitted additional proof to the creditor, they would come up with other documents or reasons for the reversal. After submitting two letters from my bank, they now are stating that, the account number was transposed wrong in their system. These payments were made online as they had been previously and for over 3 years the same way. The online payment system does not require you to type in the account numbers each time you make a payment. You use a drop down menu to pick the account in which you would like to pay from. This was set up when you set up the initial online account and unless you go in and change the bank information, which I had not, the account number remains the same and you just choose which bank institution you would like the payment to come from. These payments were made in the same fashion as they had been for well over 2 years, if not more. The numbers could not have been transposed wrong. Each time I explained this information to Citi they refused to listen to me or came up with a different reason for the reversal of the payments. This was not an error on my part, but I was penalized with late fees and additional interest for these payment of which I had disputed. These late fees and interest reached over {$500.00}. I made payments on the account during the dispute for the balance that I owed, minus the disputed payments. But, since they had the minimum over {$200.00} from the reversed payments, I never knew what the true minimum was without the disputed balance. They offered no assistance on that either. The late fees were applied each and every month, even after $ XXXX payments were made. On a normal billing cycle prior to the reversal of the payments, the minimum due was {$25.00}. So, I paid {$50.00} to ensure the true minimum was made. This issue was never resolved due to Citi refusing to correct the issue or explain to me why they reversed the payments 3 months after they were made. They never acknowledged an error in their system and never adjusted the billing during the dispute. The fees and interest continued to accrue to make the minimum balance a ridiculous amount, because of all the fees stemming from this error. Please help me, this has been put on my credit report and the balance they show as owed is late fees and interest in excess of {$500.00}. Let me know what documentation you need and I can and will produce it.
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| 01/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
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My XXXX was closed due to inactivity on XX/XX/XXXX.
On XX/XX/XXXX at XXXX PM XXXX XXXX I phoned Citibank and asked it the account could be reopened without a hard credit inquiry. I spoke to XXXX, who said that she would submit my request to reopen the account. XXXX said there would only be a soft credit inquiry and not a hard inquiry. This call was recorded by Citibank. The recording proves that I never consented to a hard credit inquiry and that I stated explicitly on that call that I only wanted to request for the account to be reopened if there would be no hard credit inquiry. XXXX expressly stated that there would not be a hard credit inquiry on my credit report and that there would only be a soft credit inquiry.
On XX/XX/XXXX I received a credit monitoring alert that Citibank pulled a hard credit inquiry that was reported to XXXX, even though I never consented to a hard credit inquiry and Citibank had not informed me that they were going to pull a hard credit inquiry. I called Citibank right away at XXXX XXXX XXXX XXXX and spoke to XXXX. She agreed to submit to the Credit Dispute Unit my report that I did not consent to a hard credit inquiry and my request to have the hard credit inquiry removed from my credit report.
On XX/XX/XXXX Citibank Credit Management Department sent me a letter ( see Attachment ) stating We are unable to locate the credit bureau inquiry you are disputing based on the documentation you provided to us. Further information was requested and I provided that information to Citibank , N.A . XXXX XXXX XXXX by in writing by fax on XX/XX/XXXX ( see that fax, Attachment XXXX, which includes the requested further information : page 49 of my XXXX Credit Report from XXXX Citibank, XXXX, XXXX XXXX XXXX, XXXX XXXX, SD, XXXX, which shows that on XX/XX/XXXX Citibank , N.A . pulled a hard credit inquiry ).
I also spoke with XXXX at Citibank XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX Time. XXXX stated that on XX/XX/XXXX XXXX had misinformed me when she told me there would only be a soft credit inquiry. She said that Citibank should have informed me that there would be a hard credit inquiry and that the account could not be reopened without a hard credit inquiry. She apologized for the mistakes XXXX made. She also assured me that XXXX would or has already received corrective training to help prevent her from making the same mistakes again. She stated that she was going to submit an electronic credit bureau dispute on her end ( on my behalf ), requesting to have the hard credit inquiry removed from my credit report as good will, since the mistake was on their end and since I never consented to a hard credit inquiry in the first place.
Nonetheless Citibank , N.A . sent me a letter dated XX/XX/XXXX ( see Attachment ) denying my request for them to remove the hard credit inquiry, which was pulled in violation of the Fair Credit Reporting Act insofar as Citibank , N.A . did not inform me that a hard credit inquiry would be pulled when I requested to reopen my recently closed credit card account. To the contrary, the phone representative understood that I did not consent to a hard credit inquiry, and she explicitly stated that there would only be a soft credit inquiry and not a hard inquiry.
This hard credit inquiry remains on my XXXX Credit Report through to the present. Please get Citibank to remove this hard credit inquiry from my XXXX credit report ASAP and have them let me know they you have done so.
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| 11/25/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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I am XXXX XXXX XXXX, natural person, and I am submitting this complaint myself and there is no third party involved.
Citibank is a deposit-taking financial institution and I, XXXX XXXX XXXX XXXX private banker, consumer customer to Citibank N.A . was denied the right to make EFT of a 12 CFR 204.2 ( a ) ( 1 ) ( iv ) due bill check as deposit being a transferable instruments. The due bill or redeemable coupon pursuant to 18 USC 8 as eligible obligations equitable security per 31 USC 9303 ( c ) and presented as credit device to obtain credit via remittance transfers credit account drawn from XXXX XXXX XXXX and XXXX Bank to be transferred to my federal reserve deposit insurance transaction account at Citibank N.A at four different Branches.
First branch at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, on XX/XX/2021, I approached teller and request to make a deposit and was told told that Citibank can only take 12 CFR 204.2 ( a ) ( 1 ) ( iii ) checks, I advised that the instruments was a convenience check and that MICR routing and account number could be put in manually. She asked a coworker who examined my draft and said it was not a check despite the payment order, which appeared to be an 15 U.S.C. 1 illegal restraint and 15 U.S. Code 1611 willful neglect of duty in providing what appeared as inaccurate information. Requested to speak to a manager and an banker appeared name XXXX XXXX XXXX XXXX ID XXXX, looked at the the due bill deposit and examined it and declined to facilitate the transfer stating that only checks are accepted despite the wide array of federal regulations definition to deposit. I left and called customer service for advice on how to make a deposit of a due bill to take collection and was advised to speak to a manager. I went to Citibank NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and spoke with Branch Manager XXXX XXXX who was confused and insisted he consult his FDIC bank representative and alleged he could take copy and ask his superior. Received message from XXXX alleged instrument was not a negotiable item.
XX/XX/2021 I visited the Branch at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and approached a Teller who said she was new and advise I consult Branch Manager XXXX XXXX who unsure and advised I e-mail the federal regulations and and he would forward it to find out, have not heard back as of yet. Later that day I visited a branch at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and another confused look of a Teller who left to ask her branch manager XXXX XXXX XXXX XXXX and returned stating that her manager said they could not be accept it as a deposit but would not state a defect in the instrument. Manager didn't come out to discuss the matter in his expertise of banking so I took a card and left and send a personal e-mail and have not received a response.
The branches appeared to be acting in bad faith in violation of several laws in misrepresenting my tender of 12 CFR 204.2 ( a ) ( 1 ) ( iv ) due bill deposit for collection. This is very upsetting that that I could not get any clarification and proper use of my account at Citibank branches as I expect bank managers to be competent in educating consumers about deposits transactions.
I attached a few images of transactions of a successful deposit of due bill at XXXX Bank by a friend similar to the deposit I attempted that was discriminated.
Why are the requirements for a due bill deposit, draft, bill of exchange for my transaction account?
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| 06/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This began when I contacted XXXX XXXX XXXX in XX/XX/XXXX regarding overdraft fees. I requested that my account not accept charges that are above the current balance, and the only way to do so was for switching to a XXXX ' account. The representative stated that no difference will be noticed with my current activity other than writing paper checks, which I had never done with my personal account for over 5 years.
I accepted to change of my personal checking account to XXXX. ' On XX/XX/XXXX, XXXX XXXX processed an auto ACH for {$130.00} without any issues. On XX/XX/XXXX CITI attempted to withdraw an ACH in the amount of {$250.00} but it was denied. I was not notified until a week later ( XX/XX/XXXX ) when a CITI representative contacted me asking for a payment. I submitted a debit card transaction to CITI and contact XXXX to inquire about the reasoning behind the charge not going through. XXXX notified me that CITI processes ACH as paper checks ( first time I was aware ) and therefore rejected ( prior XXXX rep. told me not to worry as things will continue as is ).
When I submitted my {$250.00} debit card payment to CITI on XX/XX/XXXX, I asked the representative if I have any other payment I must make, and he assured me all is up to date and no other payments are needed.
**NOTE : I am on a pay-off payment plan with CITI since XX/XX/XXXX. They set me up on a no interest 60 month plan to pay off my debt. The agreed amount is {$250.00} due by the XXXX of every month. When I enrolled, my account was approaching late status, so I opted into this, and clarified with a representative if I have to pay off my late payment amount or focus on XXXX, the rep told me that I will NOT need to worry about the late payment and it will not affect my report to the credit bureau because I am now enrolled in a payment plan, so essentially pay XXXX starting the following XXXX and 30 days beyond that then it will be late ( I have a copy of the chat transcript with agent ID clearly stating not to worry about late payment reports ).
In XXXX of XXXX, I was alerted that I have a late payment in my credit report from XX/XX/XXXX from CITI. I contacted CITI and they stated that my account was carrying the late payment balance from the moment I enrolled in XX/XX/XXXX, but the represntative never stated my account was ever late for the past 2 years ( it was hidden not even on the front end website ). Because this was carrying over apparently, 1 day past my due date and it triggered a late payment report.
I disputed the to both CITI and three credit bureaus multiple times with sufficient evidence regarding my new checking account issue, chat transcript from CITI representative, but due to some fine print that I attempted to clarify with a representative ( who explicitly stated not to worry about late payments ) the report is considered accurate.
I also then realized that as of today, the carry over balance of XXXX ( from XX/XX/XXXX ) is no longer in my account. Somehow my the balance was paid off, but other than the two payments ( XX/XX/XXXX which was 'rejected ' ) and XX/XX/XXXX I never made double payment.
I checked my bank and see that it was indeed withdrawn and debited on the correct date, but CITI still shows it as returned.
I then created a new dispute discussing how this carry over balance was no longer in my account because it was indeed debited on the correct date, but yet again they concluded the late payment as accurate.
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| 09/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This complaint is being filed for my XXXX XXXX Visa Card ending in XXXX regarding a billing dispute in the amount of {$510.00} with the merchant XXXX. A hotel stay was booked through the site " XXXX '' from XX/XX/2018 to XX/XX/2018. As mentioned in the in initial dispute, the room I was booked in at the hotel I was staying at was horrendously unsanitary and filthy. From the second I was inside of the room, I noticed a pungent and overwhelming smoke and XXXX odor lingering within the room. From there, I noticed that there were bugs and roaches, small and big, crawling in the sink, bathtub and living room area. Furthermore, there was a leak in the ceiling in which sewer water was dripping down into the restroom area - the smell reeking of human XXXX and XXXX. The smell was vomit-inducing To top ALL of that off, the bed had roaches as well as bedbugs crawling nonstop. I was bitten by a few of the bedbugs on my first night there.
This room is one that is uninhabitable by any means. Words alone can not do proper justice when describing this dilapidated room which looked un-cleaned for months, if not a year. Hotels, in any area, have the one basic requirement of providing a livable area absent of roaches, sewage leaks or any other fixable defect.
As originally mentioned, I only spent 1 night at the hotel ( maximum 8 hours ) before I left and never came back. Multiple and repeated attempts were made with the merchant to rectify this situation to no success. The merchant denied any and all responsibility for this broken-down room and refused to issue any form of credit/refund.
Overwhelming evidence was provided during the initial dispute of this charge in the form of photographs showing the roaches, bedbug bites as well as the leak in the ceiling. Every single piece of evidence, as well as an explanation, was provided during the initial opening of this dispute to Citibank. As such, a full credit is due at this time for this charge. I expect this resolution due to the plethora of evidence submitted which fully backs up my statements provided.
A full credit is also due because I DID NOT stay at the hotel for longer than 8 hours on the first night - after which I LEFT AND NEVER CAME BACK. As such, no further services were provided by the merchant after I left. A full refund is also due on that SOLE BASIS.
There are multiple avenues to go down here with regards to this charge - all of which leads towards a full credit/refund. To break this down simply, a statement was provided during the INITIAL dispute process explaining the nature and circumstances surrounding this dispute. In addition, photographs were taken of the filthy and unsanitary room which further fully and unequivocally, backs up my statement. Layered on top of all that is the fact that this stay at the hotel did NOT, under any circumstance, last longer than 8 hours on the first night ( XXXX XXXX Monday, XX/XX/2018 to XXXX XXXX Tuesday, XX/XX/2018 ) - after which I vacated the premises and did NOT return. The merchant provided NO services after XXXX XXXX XX/XX/2018. As such, on that basis alone, a FULL refund should without a doubt be issued.
The plethora of evidence is overwhelming which supports, verifies and backs up my statements provided. The merchant should be held FULLY accountable for this disaster of a room provided to me, which is un-livable, no matter how this is manipulated. A full refund of {$510.00} is expected an deserved in this case.
|
| 12/02/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Mortgage ComplaintTo whom this may concern : CitiMortgage is stating that I am 2 payments behind for XX/XX/XXXX and XX/XX/XXXX. I have made all payments for the year with the exception of XX/XX/XXXX 's payment that has not been made yet. I have called about this error on three different occasions asking to have this fixed. I was told by citi rep ( XXXX ) on XXXX that 2 payments were reversed on XX/XX/XXXX and XX/XX/XXXX for the XX/XX/XXXX and XX/XX/XXXX electronic payments. I checked my bank statements and called my bank and all payments have been made and the money removed from my account. ( see Debtor Claim Detail _ NDC.pdf for the trustee payments ) Upon my own investigation from Citimortgage 's website it appears that the two payments in question for XXXX were split up and not posted to the account. for example, I paid XXXX on XX/XX/XXXX electronically now look at the accounting from citi 's website. This looks as if the payment posted then was removed posted then removed ... .then broken up into XXXX payments adding up to XXXXXX/XX/XXXX {$32.00} Unknown {$0.00} {$0.00} {$0.00} {$0.00} $ XXXX {$610.00} Additional Funds Received {$0.00} {$0.00} {$0.00} {$0.00} $ XXXXXX/XX/XXXX ( {$640.00} ) Unknown ( {$160.00} ) ( {$320.00} ) ( {$140.00} ) {$0.00} $ XXXX {$640.00} Unknown {$0.00} {$0.00} {$0.00} {$0.00} $ XXXXXX/XX/XXXX ( {$640.00} ) Unknown {$0.00} {$0.00} {$0.00} {$0.00} $ XXXXXX/XX/XXXX {$640.00} Unknown {$0.00} {$0.00} {$0.00} {$0.00} $ XXXXXX/XX/XXXX ( {$640.00} ) Unknown ( {$160.00} ) ( {$320.00} ) ( {$140.00} ) {$0.00} $ XXXXXX/XX/XXXX {$640.00} Unknown {$0.00} {$0.00} {$0.00} {$0.00} $ XXXXXX/XX/XXXX ( {$640.00} ) Unknown {$0.00} {$0.00} {$0.00} {$0.00} $ XXXXXX/XX/XXXX {$640.00} Unknown {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} + XXXX XXXX XXXX states that the XXXX was a payment from the Bankruptcy trustee .Now see below a print out of the trustee payments which stopped XX/XX/XXXX based on a modification agreement between myself and CitiMortgage. ( see trustee payments ) As we can see there were no trustee payments made after XX/XX/XXXX and no payments sent over the amount of XXXX.
I called and spoke XXXX form the Bankruptcy dept at Citi on XX/XX/XXXX XXXX XXXX. XXXX states that she see 's 2 payments that were made for XXXX from the trustee on XX/XX/XXXX and XX/XX/XXXX this does not add up since the Trustee sent the last payment on XX/XX/XXXX.
Please investigate my Mortgage account and get this resolved as this has been going on way to long. Myself and my bankruptcy Attorney have had to call in and ask to have payments posted the whole time I 've been in the bankruptcy.
Also, CitiMortgage has asked me to send in my bank statements to prove I paid the payments but I do n't believe I need to keep showing them my personal banking history based on their careless handling of my account. ( see bill pay printout from my bank ) Also, see my CitiMortgage trans union credit report below showing I was past due 3 times before my bankruptcy dismissed.
My best guess is that Citi recorded these XXXX payments as coming from the trustee and did not post them as payments. However, the splitting of the payments I made and stating that the trustee sent these payments is truly dishonest.
Lastly I called the Trustee on XX/XX/XXXX and she states the last payment made to CitiMortgage was for XXXX on XX/XX/XXXX. ( see attached Documents from the trustee ) Please see the document titled Mortgage Complaint for better viewing.
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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I am filing another complaint against Macy 's / DSNB as I believe their statement practices are unfair and deceptive. Compared with other creditors, this company puts far too much of the onus on the consumer to ensure that payment mechanisms are in proper working order. Furthermore, the statement notifications that Macy's/DSNB provides to their consumers are unclear and deceptive to the reader under certain circumstances.
In my case, Macy 's / DSNB sent an e-statement generated on XX/XX/20 indicating that my attempted autopayment on XX/XX/20 was successful. The balance on my account was reflected as {$0.00} XXXX statement attached ). After seeing this {$0.00} balance, I was deceived into believing that my account was paid off, and therefore had no reason to deliberately return to macys.com/credit to review any further ebilled statements thereafter.
On XX/XX/20, Macy 's / DSNB reversed my autopayment of {$54.00}, due to it inadvertently being associated with a closed bank account, yet provided no explicit notification that the balance had been added back to my account due to a reversal. While an email was delivered indicating that I had an account statement ready for review, I had no reason to believe a balance greater than {$0.00} would be on this statement. This is especially true, when considering that ( 1 ) no Minimum payment due, Statement balance, or payment Due date was included in the body of the email message and that ( 2 ) I made no additional transactions with my Macys credit account after the statement date of XX/XX/20.
I learned my account was delinquent by a sudden drop in my credit score on XX/XX/20. When I noticed my score had dropped, I investigated on my own and immediately made a full payment of {$87.00} ( including late fee ) on the same day to bring my Macys / DSNB account current after learning it was the cause for the drop in my credit score.
I have since tried many times to remedy this with Macy 's / DSNB through the appropriate customer service channels, but they have shown only rigidity, understandably operating strictly within their policies, even though they probably agree that this resulted in unnecessary damage to my credit score. I have always been a customer in good standing and I clearly demonstrated a willingness to make payment on this account in full and on time. Any reasonable person presented with all the facts in this case would agree that this was a simple mistake that could have been completely avoided had Macys / DSNB done a better job in communicating with me about the status of my account. I believe Macys / DSNB should implement new statement practices that ( 1 ) provide a written letter or digital message notifying consumers when a payment reversal occurs, and ( 2 ) include Minimum payment due, Statement balance, and payment Due date in the body of email statement notifications like other banks.
To support my case, I am also attaching examples of email statements that I receive from my other creditors XXXX and XXXX XXXX. These creditors clearly demonstrate the Minimum payment due, Statement balance, and payment Due date in the body of their email messages. Had Macy 's XXXX Department Stores National Bank done this, I would not have missed the payment deadline. The right thing to do is remove the delinquency based on my immediate reaction to remedy the account when I learned of the issue.
Do the right thing Macys Executive Office and save yourself a customer.
|
| 02/06/2017 |
Yes |
|
- Customer service / Customer relations
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Web |
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I had fraud on my card back in XXXX XXXX. A new card was issued. I apparently did not update this account number in my bill pay at my credit union. I received no communication from Sears that my payment was being automatically redirected. In XXXX XXXX, my payment posted back to the original card. On XXXX XXXX, my husband attempted to use his card to purchase an item at a Sears store. The card was declined. He went out to his truck to call and find out why. We have had multiple issues with this card for the past 6-7 years, but have kept the card because it is XXXX of my oldest pieces of credit ( which I know is good for my credit score ) and is XXXX of our higher limits. He was told that the card was delinquent, last payment received was for {$30.00}, but {$57.00} was due. When he told me later that day, I went to my checking account history and saw my bill pay amount for {$60.00} cleared my account on XXXX XXXX ( bill was due on XXXX XXXX ). So, this morning I call Sears to inquire why we were declined when payment was made. During this call, I discovered the issue with the previous account number. I expressed my frustration that the payment was transferred all this time, yet I received no communication of the error - or the fact that this would stop in XXXX. My current bill, which I received by email this morning shows an amount due of {$200.00}. I asked if this was due to the account being marked delinquent and fees charged. She indicated yes, but she would transfer me to their recovery department. Then, they would transfer the payment to the correct account, which would make all the fees, etc ... go away and my minimum payment would go back to what it would be if that payment was applied to the current account. When I was transferred to the recovery department, they noted the payment on the other account and said they would 'take my request to transfer the payment '. That statement gave me the impression they could deny my request - which did not settle well. Then, I asked about the payment being processed effective XXXX, so no fees would be charged. He told me customer service would need to take care of that. I told him they just told me the Recovery Department would process all of that. I was placed on hold while he inquired ... then was told the exact same thing as before. I repeated my request for the effective date and he said once again he would need to check ... put me on hold for a few short seconds and came back and told me the customer service department would be the ones to handle that request ( not enough time to make a true inquiry.. therefore I felt lied to and deceived ). I repeated the same back that they said he would. This is now feeling like a game of lets play bumper cars with the customer and send them all over the place and see if they give up, so we do n't have to honor their request. I told him I was at work and did not have time to make multiple phone calls. I also have to wait 3-5 days for my requested transfer to happen. Meanwhile, I am showing delinquent and can not use my card. Then I have to wait for this transfer in order to call back to customer service to reverse fees, etc ... I imagine when I call, I will be told that the request needed to happen at the time of the transfer request. I am extremely disappointed in how I was treated and the lack of consistency in responses from different departments. I feel like a victim of this card, rather than a long-standing good customer.
|
| 02/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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My complaint : Following up new information update referencing CFPB # XXXX : Citibank Sears Mastercard continues to pursue collection of an invalid identity theft fraud debt by handing it over to a collection agency. After reviewing the evidence, XXXX XXXX XXXX, a professionally respected debt collection company, has closed my account without further action and returned it to their client, Citibank.
Even a bill collecting company recognizes this farce. As the Consumer Financial Protection Bureau ( CFPB ) suggests, to be fair I requested XXXX to provide proof from Citibank Sears that I gave anyone permission to use my excellent credit they provided none. My XX/XX/XXXX initial response letter to XXXX summarizing the facts of identity theft and their XX/XX/XXXX case closing letter of my account are attached.
My Request : Citibank Sears Mastercard team should do the right thing and follow XXXX example to close the account and report the account to the credit bureaus as fraudulent thereby reversing their negative credit report. Given the documented fraudulent facts, Citibank needs to reconsider their illogical position it does not make sense.
Any legitimate independent third party reviewing the overwhelming evidence of identity theft and fraud of my accounts will recognize the truth.
The significant facts in my case are that a new husband who is a documented con artist/identity XXXX proven by three different third party investigations added himself to my existing Citibank Sears MasterCard and XXXX accounts without my permission or knowledge. Thief husband also created two additional credit card accounts in my name determined to be fraudulent. He then committed wire fraud ordering products from XXXX using those cards. Citibank Sears team has made an eighteen month effort to ignore the identity theft facts and distract with self serving opinions. Without merit or conflicting evidence they disavow my sworn FTC testimony ( subject to perjury ) proven true by three other independent investigations and personal evidence provided to Citibank Sears group. Whereas the other existing account that thief husband added himself as an authorized user, XXXX XXXX, acknowledged the fraud and relieved the debt. XXXX even issued a letter of appreciation and raised my excellent credit significantly. As before the fraud, I currently have no debt and have excellent credit.
The fraud included an XXXX account, a bank account and four credit card accounts. Only Citibank Sears Mastercard team refused to cooperate by withholding my account statements and authorized user information, thereby undermining our efforts. And their own documentation indicates the identity thief was inappropriately added again to my account after I closed the account due to fraud.
Everyone else helped to uncover fraud. Instead, Citibank Sears team leads with an improper premise implying identity theft can not occur in a marital environment and quote : we consider this a civil matter and suggest you find other resources in seeking restitution.
I have already turned down Citibank Sears offer for a reduced settlement from {$6100.00} inflated balance to {$2300.00} because it is an identity theft case supported by significant fraud evidence.
Citibank Sears should reexamine the facts and reverse their negative credit report. Three other peer credit card companies and now XXXX recognize the truth.
___________________________________________________________
|
| 03/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX and I split the cost of a XXXX XXXX XXXX XXXX, XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX. We each were charged {$8600.00} to our credit cards. XXXX used XXXX. I used Citi Mastercard. Unfortunately, XXXX XXXX had the car on consignment and went out of business without putting the title our names or paying the owner of the car. XXXX and I submitted disputes to our respective credit card companies. Citi assigned my dispute # XXXX. Both credit card companies refunded the money temporarily pending an investigation. XXXX made XXXX refund final in XXXX. I called Citi a couple dozen time inquiring about the dispute. Citi sent me emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each time requesting the same information about the dealer. I responded promptly each time that the dealership was closed and the owner was arrested. Citi reversed my refund XX/XX/XXXX stating the bank sent a dispute and sent me an email asking when I had try to return the car. So we return the car to the owner XX/XX/XXXX. Then Citi informed me the refund reversal was final because we had not returned the car to the dealer. How are we supposed to return a car to a dealer that is out of business? If the dealer was in business, then they would have paid the cars owner and we would have gotten the title!!!
========TIMELINE======= - XX/XX/XXXX XXXX XXXX and I split the cost of a XXXX XXXX XXXX XXXX, XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX. We each were charged {$8600.00} to our credit cards. XXXX used XXXX. I used Citi Mastercard.
XXXX XX/XX/XXXX I called XXXX XXXX because our 30 day tag expired and we hadnt received the permanent tag. I was told they would resubmit the paperwork and mail us another 30 day tag.
- XX/XX/XXXX I called XXXX XXXX because our second 30 day tag expired and we still hadnt received the permanent tag. Their recording said they were out of business.
- XX/XX/XXXX I went to the DMV. They told me the temporary tag was in our names, but the title was still in the original owners name, XXXX???. XXXX XXXX had the car on consignment. The DMV gave me the number to the DMS ( deal complaint ), XXXX.
- XX/XX/XXXX I called XXXX. They said they had already received many calls from people regarding XXXX XXXX and said they would get back to me. I left several messages on the next week or more.
- XXXX? XXXX XXXX drove to the DMS office at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX . He spoke to XXXX XXXX of the Florida HSMV.
- XX/XX/XXXX XXXX and I submitted disputes to our respective credit card companies regarding the dispute. They sent us forms to fill out and request supporting documentation.
- XX/XX/XXXX XXXX provided us an email explaining his office has submitted an administrative action to XXXX with an intent to revoke the XXXX XXXX license.
- XX/XX/XXXX I submitted my dispute for {$8600.00}, purchase agreement and XXXX email. Citi assigned my dispute # XXXX.
- XX/XX/XXXX Citi refunded my money temporarily pending an investigation.
- XXXX? XXXX XXXX credit card company, XXXX, made his refund permanent.
- XX/XX/XXXX Citi sent me an email requesting information.
- XX/XX/XXXX Citi sent me an email requesting information.
- XX/XX/XXXX Citi sent me an email requesting information.
- XX/XX/XXXX Citi sent me an email requesting information.
- XX/XX/XXXX Citi reversed my refund.
- XX/XX/XXXX We returned the car the owner, XXXX.
|
| 07/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Was charged an unexpected annual fee. Was told I had been notified in XXXX and accepted the annual fee. Asked what notification I was given and was told it was on my XXXX statement. It was not. Was told it was in " Notices and Letters '', it was not. Finally found it on my XXXX statement. If it takes them 3 tries to figure out where they slipped it in on a statement that I have no reason to open ( I receive electronic statements and as long as the balance looks reasonable, there's no reason for me to log in and download the pdf since I monitor transactions online ), I don't think it's reasonable to expect me to have seen it. Including it as a paragraph on an e-statement and not as an actual notification seems like insufficient notice for a {$450.00} charge. If I get standalone emails about changes to privacy policy, revised definitions of terms, and important items in my statement ( like an annual reward check ), I'd think I should get a standalone email about a new {$450.00} change in fee.
The paragraph said that my annual fee was changing to {$450.00} and the authorized user fee would be {$0.00}. They then charged me {$490.00} as an annual fee and {$75.00} per authorized user ( there are 3 ) for a total of {$720.00}, not even following the fee schedule they " notified '' me of and I " agreed '' to of {$450.00}.
I was out of the country when this happened ( charge posted XX/XX/XXXX ) but then spent an hour online chatting online with an agent on XXXX who suggested I change the card to a no fee card and that if that wasn't agreeable, I should call ( which is when I was told by the agent I had been notified and agreed to the new fees ). Spent 45 minutes with them during which they said there was nothing they could do but that I'd hear back in 48 hours. I did not hear back.
I spent another hour or so on the phone on XX/XX/XXXX being told they knew nothing about the ongoing inquiry but they'd be happy to start another one. I asked why I hadn't been contacted within 48 hours and she said that there was no reason to expect a response in 48 hours, it can take months for them to sort these things out. I asked what a reasonable estimate would be for her new inquiry and she said there was no time limit, but again, wouldn't be surprised it if took months or more.
Given that my balance, including this erroneous fee, wasn't due for another week or so ( 2 weeks from my initial complaint ), I asked that they remove the erroneous fees while they investigated it and she said there was no way for them to do that. I asked if there was any confusion over what the correct fee should be, or any reason they should be charging me {$720.00} instead of the {$450.00} that was on the previous " notification '' ( which I would still dispute as proper notification ), and she said no. I explained that I did not want to loan Citi {$270.00} for months or more while they performed their investigation at 0 % interest and she said that I could just underpay my balance by {$270.00} and then dispute the charges each month. I explained that sounded absurd and that they should just adjust the account by {$270.00} now and she reiterated that this was simply impossible.
So here we are at the end of XXXX, almost 4 months later, with absolutely no progress made. I had filed a complaint with NY Department of Financial Services on XXXX and they just informed me that since they are not the primary regulator, they'd suggest I file with CFPB.
|
| 03/21/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
I have a complaint to file against Citibank 's Citi Card department.
My family and I have recently traveled to XXXX and we used my Citi Dividend Card to plan the trip and purchase our tickets. However, on the first day of our trip, our bags ( XXXX ) were lost by the XXXX company. We had to purchase clothes, toiletries, and necessities for the group. Our luggages were returned to us a day later.
On XXXX, I filed a baggage loss protection claim with Citibank 's Benefits Assistance Center.
On XXXX/XXXX/15, I was instructed to fill out a XXXX XXXX XXXX form and to collect all the related documentation. I submitted the form and attached a copy of our tickets, baggage claim form, airport irregularity report, and other documentation back to Citi 's Benefits Assistance Center the following day.
On XXXX/XXXX/15, I received an email from the Benefits Assistance Center that my claim is declined because my card does not cover Baggage Delay Protection.
On XXXX/XXXX/15, the same day, I replied the email with proof that my card in fact does cover Lost Baggage protection.
On XXXX/XXXX/15, the Claims Admin acknowledged that my card does include Lost Baggage protection, but does not cover Baggage Delay Protection.
When asked about the difference between XXXX XXXX XXXX and XXXX XXXX XXXX, the Claims Admins said " The difference between the XXXX is that the delay is for bags that are delayed that you eventually get back, and the lost is where the airline officially declares the bag lost meaning your never getting your bag back. " This is where I am confused. Realistically, how would I know that when the airline lost my bags, whether my bags were just going to be delayed or they were actually lost? How would I be able to make a judgement at the time of loss whether to my expenses toward necessities and clothes for the next day were going to be covered? And he is suggesting us to not purchase any travel necessities because our bags could just be delayed instead of lost, and we would not be covered as long as our bags were returned to me at some point even after my trip or possibly weeks/months later? If I had to figure out exactly whether my bags were going to be returned to me at the time it was lost by the airline company, how was I protected in any way by this CitiCard?
This response does not make any sense to me. I then asked for documentation or terms of service for this statement as I would like to understand if legally he can make this claim. The response I get was " To get a guide to benefits you will need to contact Citi Card for it, and or look online on Citi.com. '' I then contacted Citi 's customer service team, and they responded with the following : " Unfortunately, the Secured Message Center for CitiCard is unable to assist you with any questions, concerns or issues with the the Lost Luggage benefit as they must be address by a representative of the benefit provider. Please contact the benefit provider directly with any issues you may have. '' This appears to be a case where different Citi Cards divisions are making it a technicality issue by exploiting the terms and languages. They are actively finding ways to not protect its members ' interests when clearly our benefits were affected.
I am at a loss as I am unable to find any help in this matter. I am filing this complaint to hopefully find a way to communicate to someone who can please help me get this issue addressed.
Thank you very much.
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Dear Sir/Madam, I am writing to bring to your attention the numerous violations of consumer rights committed by CBNA ( Citibank , N.A . ) and XXXX, two financial institutions operating under your jurisdiction. As a concerned consumer, I believe it is crucial to report these violations in order to protect the rights and interests of fellow consumers.
CBNA and XXXX have consistently disregarded the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically sections 807, 808, and 809. These sections clearly define the limitations and guidelines for debt collectors, ensuring fair treatment and protection for consumers. However, CBNA and XXXX have repeatedly engaged in abusive and harassing debt collection practices, including incessant phone calls, threats of legal action, and the use of deceptive tactics to coerce payment.
Furthermore, CBNA and XXXX have also violated the Fair Credit Reporting Act ( FCRA ) section 623a, which mandates that creditors must provide accurate and complete information to credit reporting agencies. Despite my efforts to rectify inaccuracies in my credit report resulting from CBNA and XXXX 's erroneous reporting, they have failed to take appropriate action, thereby damaging my creditworthiness and hindering my financial opportunities.
In addition to the aforementioned violations, CBNA and XXXX have also violated the following statutes : 1. 15 USC 1666b : This section requires creditors to provide clear and conspicuous disclosures regarding the terms and conditions of credit agreements. CBNA has failed to provide accurate and transparent information, leading to confusion and potential financial harm.
2. 15 USC 1681e ( n ) : This section mandates that creditors must investigate and correct any inaccuracies in credit reports upon receiving a dispute from a consumer. Despite my repeated attempts to dispute erroneous information, XXXX has neglected its responsibility to conduct a thorough investigation and rectify the inaccuracies.
3. 18 USC 894 : This section prohibits extortionate extensions of credit, which involve the use of threats or coercion to obtain repayment. CBNA 's relentless and intimidating debt collection practices can be considered as extortionate, as they have consistently employed fear tactics to extract payment.
Additionally, CBNA and XXXX have violated M.G.L. Chapter 93A section 2, which prohibits unfair and deceptive acts or practices in the conduct of any trade or commerce. Their actions have caused significant harm and financial distress, warranting legal action under this statute.
I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into CBNA and XXXX 's practices and takes appropriate action to rectify these violations. It is imperative that consumers are protected from such predatory behavior and that CBNA and XXXX are held accountable for their actions.
I have attached supporting documentation, including correspondence with CBNA and XXXX, credit reports, and any other relevant evidence, to substantiate my claims. I am willing to cooperate fully with any further inquiries or investigations that may be required.
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to ensure that CBNA and XXXX adhere to the laws and regulations designed to protect consumers ' rights.
Yours sincerely, XXXX XXXX
|
| 04/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Problem Description : There were two charge of {$120.00} on my credit card account for a taxi ride which should have been less than {$5.00} dollar. I have called and reported to Citibank credit card and have opened the dispute. I have reached out to the company / taxi driver on the charge and they have claim it will be fixed. The charge was never corrected and I had ended up with two charges of {$120.00}.
Once arrived back from a XXXX vacation, I have followed up the charge dispute along with request to get a new credit card cause i did not feel comfortable with such a fraudulent transaction.
Initial dispute was filed on XX/XX/XXXX and another dispute was filed again on XX/XX/XXXX for both of the charges.
XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have contacted citibank repeatedly for the update and status of the investigation and the response was that it is currently being worked on. This process repeated through out the year even when I goto the dispute section it is showing conditional credit reversed and customer responsibility for both of the transaction.
I have provided the documentation multiple times to the XXXX with the following references.
XXXX XXXX Date Amount Description XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX Transaction Date XX/XX/XXXX XXXX Amount {$120.00} XXXX XXXX XXXX Fast forward, XX/XX/XXXX I have received a very first response from Citibank with a response from the merchant. I wasn't clear on what I was looking at because it looked like transaction detail with the two charges.
Also attached to the email was the first letter indicating that citibank needed a response from me by XX/XX/XXXX and no later than XX/XX/XXXX to continue the investigation. Which was a surprise cause I have called multiple times almost daily to follow up on the transactions due to lack of details.
This experience has ruined my confidence in our banking system specially on credit card uses which I thought was more protected. The fraudulent transaction happen during my vacation at XXXX XXXX to take a short taxi ride back to my hotel.
The way citibank has handled the entire process is very questionable, where I didn't know what was happening with the fraudulent transaction.
I have spoken with numerous customer service and fraudulent department folks, whom failed to provide any details. As a consumer, only thing I can do is to refrain my self from using the credit card which doesn't make sense. I just hope these type of experiences don't happen to other consumer overseas..
Then detail of the letter is follows.
This letter concerns the transaction described below made with card number XXXX : Date Amount Description XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX We needed your response to our XX/XX/XXXX letter no later than XX/XX/XXXX in order to continue our investigation. Since no reply was received by this date, the dispute was closed. Please understand that Citi does not set these timeframes and we are unable to extend them or reopen a claim once this date has passed. We no longer have any options available to pursue a credit on your behalf through the dispute process.
We regret that we are unable to assist you in this matter.
While we realize your account may be in good standing, Federal Regulations require us to remind you that we may report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement.
|
| 04/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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I have reported 3 times to Citibank Dispute department since XX/XX/XXXX. Initially there was a charge from XXXX XXXX XXXX online website for {$130.00} in XX/XX/XXXX on my card ending in XXXX filed a dispute with Citibank and closed my accountand they issued a new card ending in XXXX. They reversed the charge in XXXX. Then the company sent a document stating I made this transaction XX/XX/XXXX with a delivery confirmation page. Citibank reversed the charge of {$130.00} back to my account in XXXX and closed the dispute. I contacted them in XXXX to re-open the case which they did and reversed the charge again. In XXXX I received a letter stating XXXX XXXX XXXX XXXX had proven I made a purchase of {$130.00} from their store XX/XX/XXXX. I was completely frustrated so I decided to do my own investigating by reading these documents ( 11 pages in XXXX and 14 pages in XXXX ) that where sent to me from Citibank from these fraudulent companies and this is what I found XXXX XXXX XXXX XXXX which was originally XXXX XXXX XXXX, purchase of {$130.00} is seemingly the same purchase. It seems XXXX XXXX XXXX purchase of {$130.00} was made on XX/XX/XXXX but the same purchase was made at XXXX XXXX XXXX on XX/XX/XXXX for the same {$130.00}. The description of the XXXX XXXX XXXX is stated under Company and Product Description as an online site that sells a wide range of jewelry products ( page 2 of 11 that was sent to me from Citibank on XX/XX/XXXX ). It also states at the bottom of the same page, Line 11, that the customer could return the unused portion within 30 days of the item being shipped ; this is a jewelry store, how do you have an unused portion of a piece of jewelry? As for XXXX XXXX XXXXXXXX XXXX and Product Description is a SHOWROOM that sells a variety of beautiful jewelry, which suggest that I would have had to physically visited their showroom to make this purchase ( page 3 of 14 that was sent to me from Citibank on XX/XX/XXXX ). I also also noticed on that same page Line 7, that unused portion had been deleted and re-worded as an error or defective product.
The compelling evidence that was sent to Citibank listed THREE different tracking numbers for the same item that I never purchased or never received. I decided to log onto XXXX to do a tracking search on all 3 tracking numbers listed on page 6 of both documents from XX/XX/XXXX and XX/XX/XXXX. ALL tracking numbers state the LABEL was created but no update available until item has been received at USPS on ALL 3 tracking numbers. USPS NEVER received the item and neither did I. I NEVER purchased anything from either of these fraudulent companies. This claim has been reverse twice. Citibank gave me a refund of {$150.00} that I was told included taxes and interest on my XXXX statement which left a balance of a negative - {$18.00}. Then Citibank reversed my credit and added the {$130.00} back to my account and added the negative - {$18.00} which left me with a balance due of XXXX XXXXXXXX and a threat of being reported to the credit bureau for not paying this fraudulent charge.I had a payment due XX/XX/XXXX for {$41.00} which I did not pay. I have called and spoken with numerance people regarding this matter. but I am sad to say this charge is still on my account. I have been told this could take anywhere to 3-5 days or 30 days to be removed. Today I checked my account and now it's delinquent and I owe {$82.00} payment and a balance of {$150.00} due to a late fee.
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| 06/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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DATE NOTATION / ACTION XX/XX/XXXX Paid XX/XX/XXXX statement 3 days late in full at Store # XXXX, XXXX, IL. Paid {$960.00} via CK # XXXX which the cashier ( XXXX ) processed electronically and provided a receipt XX/XX/XXXX Payment of {$960.00} was credited to my account XX/XX/XXXX Cancelled order for backsplash tile online ( {$110.00} ) Material did not arrive in time for project XX/XX/XXXX Without any explanation at all the {$960.00} payment made on XX/XX/XXXX was reversed. XXXX?
XX/XX/XXXX Bill received Received XX/XX/XXXX statement it does not reflect the {$960.00} payment made on XX/XX/XXXX or the tile order cancelled on XX/XX/XXXX. Store # XXXX employees are the rude AND XXXX XXXX XXXX XX/XX/XXXX Made adjustments to incorrect statement and paid {$110.00} cash at store # XXXX. Employees at Store # XXXX do not know how to process any type of credit acct payment.
XX/XX/XXXX XXXX bill received Received statement dated XX/XX/XXXX. Reflects the {$960.00} payment made on XX/XX/XXXX then for unknown reason the paymt of {$960.00} is reversed on XX/XX/XXXX. The cancelled check reflects that {$960.00} was deposited into Home Depot acct # XXXX on XX/XX/XXXX.
XX/XX/XXXX Called customer service XXXX for an explanation as to why the {$960.00} payment was reversed. Spoke to some foreigner named XXXX who could not tell my why the payment was reversed but wanted me to make another payment to replace it.
XX/XX/XXXX Went to Store # XXXX & spoke to XXXX, who claimed to be the manager YET could not tell me why the payment was reversed. He claims his employees know how to process credit acct payments but he is wrong. It is clearly obvious that something went wrong AND IT WAS NOT CUSTOMER ERROR. Store # XXXX is incredibly lame on all levels. Today is a Sunday and there are only 3 employees 2 @ customer service and 1 @ checkout lane # 1. I had to hunt down an employee to get the incompetent manager, XXXX, and this employee told me that she was on break but would help me anyway. Really? What kind of half baked, scandalous operation are they running here?
XX/XX/XXXX 1st SUBMITTAL Sent certified letter # XXXX to Home Depot Credit Services requesting explanation for payment reversal when payment was deposited into HD acct on XX/XX/XXXX Attached three ( 3 ) exhibits of documentation XX/XX/XXXX 2ND SUBMITTAL Received a letter from Home Depot requesting the same documentation I originally sent on XX/XX/XXXX. Not only do I have to repeat what I had already done but the scandalous HD put a 10 day time limit on the response. XXXX HD and their merry band of incompetent thieves. Reported them to the FTC.
XX/XX/XXXX Received some propaganda XXXX about hassle free returns & fraud protection. HA, HA HA. Home Depot is the one running the fraudulent scams. Or at least the inbred employees at store # XXXX XX/XX/XXXX Once again I incurred the cost of cert mail to resend the same XXXX information I sent on XX/XX/XXXX. Just another HD deliberate delay, deflection, and non-transparent smoke screen scam. Reported to the FTC ( case # XXXX ) & Dept of Justice 0XX/XX/XXXX PAID {$130.00} cash at the incompetent store # XXXX. Someone at that store forged a signature for this tile order because I cancelled and I NEVER PICKED IT UP.
XX/XX/XXXX Received a letter from Home Depot Credit Services stating they are reporting me to the CRAs but DID NOT PROVIDE AN EXPLANATION AS TO WHY THE SCUMBUTCKETS ARE CHARGING MY CARD AGAIN FOR THE {$960.00}
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| 06/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XXXX XXXX, 2017 reviewed my Citi / AAdvantage Platinum Select World Elite credit card online statement and found multiple unauthorized charges made in a 2 day period. Immediately called the credit card company and reported the activity. Was told the card would be cancelled, new one overnighted to me and charges reversed pending investigation within 3 days. Possible XXXX XXXX connection, as the card was enrolled without my knowledge the day of the fraud. XX/XX/XXXX, had not received new card, called to check on tracking info. was told they do not overnight cards and it would be 10-14 days. XX/XX/XXXX, received email that my new card was enrolled in XXXX XXXX. This was fraudulent and I called and cancelled the new card although it had not been received yet. Continued to call every 3 days to find out why no reverse on the charges had occurred. Most calls they did not seem to have account of my report although they could see I had cancelled cards. Continued to be told it takes 3-5 days for credit to show. Closed the accounts all together. They stated if I would keep the account open they would give me 1.9 % and credit on the fraud in 3-5 days. I closed accounts Have called every few days with no resolution or information to the fraudulent charges. The amount is still showing as due on my account and I am accruing interest. XX/XX/XXXX called and finally spoke to someone who said nothing could be reversed until I filled out a form which should have been mailed to me. I informed them it had not and they said it was on the way and would be received by XX/XX/XXXX. The form has not arrived and called today, XX/XX/XXXX and was still not connected to anyone who seemed to have knowledge of the complaint and fraud. they still do not have all the correct disputed amounts and have put a legitimate charge in dispute which is causing me issues. Amount and description of fraudulent charges : XXXX '' XXXX XXXX TX NAME : XXXX XXXX DEPART : XX/XX/2017 XXX TO XXXX : XX : CLASS : XXXX : STOP : XXXX XXXX TO XXXX : XXXX : CLASS : XXXX : STOP : XXXX XXXX TO XXXX : XX : CLASS : XXXX : STOP : XXXX '' XXXX X/XX/17 '' XXXX XXXX TX NAME : XXXX XXXX DEPART : XX/XX/2017 XXXX TO XXXX : DL : CLASS : XXXX : STOP : XXXX XXXX TO XXXX : XXXX : CLASS : XXXX : STOP : XXXX XXXX TO XXXX : XXXX : CLASS : XXXX : STOP : XXXX '' XXXX X/XX/17 '' XXXX XXXX TX NAME : XXXX DEPART : XX/XX/2017 XXXX TO XXXX : XXXX : CLASS : XXXX : STOP : XXXX '' XXXX X/XX/17 '' XXXX XXXX TX NAME : XXXXL XXXX XXXX : XX/XX/2017 XXXX TO XXXX : XXXX : CLASS : XXXX : STOP : XXXX XXXX TO XXXX : XXXX : CLASS : XXXX : STOP : XXXX '' XXXX X/XX/17 '' XXXX XXXX TX NAME : XXXX XXXX DEPART : XX/XX/2017 XXXX TO XXXX : XXXX : CLASS : XXXX : STOP : XXXX XXXX TO XXXX : XXXX : CLASS : XXXX : STOP : XXXX XXXX TO XXXX : XXXX : CLASS : XXXX : STOP : XXXX '' XXXX X/XX/17 '' XXXX XXXX TX NAME : XXXX XXXX DEPART : XX/XX/2017 XXXX TO XXXX : DL : CLASS : XXXX : STOP : XXXX XXXX TO XXXX : XXXX : CLASS : XXXX : STOP : XXXX XXXX TO XXXX : XXXX : CLASS : XXXX : STOP : XXXX '' XXXX X/XX/17 '' XXXX XXXX XXXX TX NAME : XXXX XXXX XXXX DEPART : XX/XX/2017 XXXX TO XXXX : XXXX : CLASS : XXXX : STOP : XXXX '' XXXX X/XX/17 '' XXXX XXXX XXXX TX NAME : XXXX DEPART : XX/XX/2017 XXXX TO XXXX : XXXX : CLASS : XXXX : STOP : XXXX '' XXXX X/XX/17 '' XXXX XXXX XXXX XXXX XXXX CA `` XXXX X/XX/17 '' XXXX XXXX XXXX XXXX XXXX CA `` XXXX X/XX/17 '' XXXX XXXX XXXX XXXX XXXX CA `` XXXX TOTAL {$330000.00} in Fraudulent Charges
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| 05/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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On XXXX , We received a call from collection agency. They claim that we owe Citibank more than XXXX XXXX dollars under a Costco issued Citibank credit card. I have always set my credit card account on automatic payment option so I have no idea how and when I owe them such a big amount. The Citibank representative informed me an account under my name is responsible for the debt but I have never heard the last XXXX digits they reported to me. I dont have such a card. I then ask them to provide detailed information on whole transition history on this particular account as well as to open an identity fraud investigation. Ever since I received the call, I have been working with Citibank representative to open a credit fraud case. This process took more than XXXX months and they made mistake to sent me a XXXX transition report, when we required the whole past history of this unknown account. Then they prematurely and abruptly closed the case, saying that I have remitted money with my other account. That is not the case. My current normally used Costco credit card were previously issued by Costco under XXXX XXXX . In the year XXXX , XXXX XXXX companionship with Costco has ended so they transfer all my previous history to Citibank. Citibank then proceed to send new credit card out. They mistakenly sent XXXX new credit cards, XXXX was to my current address. Another was sent to my previous address where I have moved out XXXX years ago. I have changed my address and billing address as soon as I left my previous residency. So the root of my complaint is caused by this additional card they sent. The XXXX that was sent to my old address somehow was activated without my knowledge. And on that specific card, there are XXXX charges of unknown air tickets under my name. They are ordered via XXXX , a third party travel agency website. Citibank has mistakenly link all my past transition history to XXXX cards then claim that I have knowledge of XXXX , which in fact, I only know my own card. The XXXX cards have different account number. With all evidence we gathered, we also opened an official identity-theft case at local police station. We have been contacting with our assigned Citibank investigator but she hardly ever replied. She is also quite rude and impatient when I am trying to ask for an interpreter. Citibank lowered my credit points even if I am constantly sending newly found evidences to prove my innocence. They ignored most of my calls and told me unless I help them to get back the amount that was used to buy the XXXX air tickets on the unknown account under my name, or find the perpetrator who steals my identity, they will not help me to restore my credit. This dispute has serious impact on my credit report of XXXX year. During XXXX months I have made countless phone calls with Costco, Citibank, XXXX and police XXXX , trying to resolve the problem that Citibank does n't even recognize me as a victim. They kept saying it must be me who opened that unknown account. " You just forget it '' is the typical answer I get. It is a serious insult. This dispute caused many issue to me. My son 's academic performance was also heavily impacted because he must constantly make lengthy phone calls on my behalf because I do n't speak XXXX . Our family was deeply troubled because without my credit point restored we ca n't take any major financial decision such as moving.
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| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I submitted a dispute electronically regarding a Department Stores National Bank ( DSNB ) now XXXX/Citibank NA reporting an account where DSNB/XXXX/Citibank NA tried to sue me in court over the account however, the case was voluntarily dismissed by DSNB/XXXX/Citibank NA. I have provided XXXX with a copy of the lawsuit complaint and a copy of the dismissal ( the case was dismissed by DSNB/XXXX/Citibank NA 's attorney which I will attach a copy of the complaint and dismissal to this complaint. I don't believe that XXXX is properly investigating my dispute and is just allowing the creditor to claim that the information is verified as correct and leaving the account on my credit report. The dispute was submitted on XX/XX/2022 and the results were provided XX/XX/2022. How can an investigation take only thirteen days? I think XXXX is allowing DSNBXXXX/Citibank to use an automated system and just claim the information is being reported accurately with little to no investigation. Additionally, I don't believe that DSNBXXXXCitibank has no intentions of collecting this alleged debt because any renewing or refiling of any lawsuit against me regarding the same claim and account would be subject to O.C.G.A. 9-2-61 and O.C.G.A.
9-11-41. Additionally, discovery request were filed in the lawsuit filed against me that has now been dismissed and DSNB/XXXX/Citibank NA nor their attorney never responded to. Pursuant to Georgia law O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ), the party upon whom the discovery has been served shall serve a copy of the answers, and objections if any, within thirty ( 30 ) days after the service of the discovery request, except that a defendant may serve answers or objections within 45 days after service of the summons and complaint upon that defendant. The court may allow a shorter or longer time at the courts discretion. The party submitting the interrogatories may move for an order under subsection ( a ) of Code Section 9-11-37 with respect to any objection to or Page 3 of 3 other failure to answer any discovery motion/request. In regard to the request for admissions, pursuant to O.C.G.A.
9-11-36 ( a ) ( 2 ) the matter is admitted unless, within 30 days after service of the request or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission a written answer or objection addressed to the matter, signed by the party or by his attorney. Any matter admitted under this Code section is conclusively established unless the court, on motion, permits withdrawal or amendment of the admission O.C.G.A. 9-11-36 ( b ). DSNB/XXXX/Citibank NA is refusing to remove this account from my credit report in retaliation of a lawsuit that they filed against me that their attorney dismissed and is only continuing to report this account on my credit report for the purposes of and with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit and or to have to pay a higher interest rate or receive a lower credit limit if extended a line of credit and some righteous obligation to report this account to the credit bureaus. DSNB/XXXX/Citibank is not required by law to report this account to any credit bureau and they are not prohibited by any law from removing this account from my credit report.
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| 09/19/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I am contacting you because of a problem that was created by Citibank with my mortgage payment and life insurance policy. We have had life insurance on our mortgage now for over 30 years. It was n't until we refinanced 10 years ago that we started having problems with Citibank.
In our mortgage statement, it is clearly shown that the monies for the life insurance of {$27.00} are being taking out every month and put into escrow to make the life insurance payment. I received our new statement for XX/XX/XXXX and behold, the life insurance has been dropped off of our mortgage payment and for some reason Citibank canceled it!! My big question is, who are they to decide not to pay my insurance premiums and cancel my life insurance policy?? I have received a cancellation notice from the insurance company, but I received nothing in writing from Citibank stating that you were no longer going to make payments. They made this decision without my content or permission.
All of this start XX/XX/XXXX when we had to file Chapter XXXX Bankruptcy. I had lost my full-time job and was unemployed for 9-months. We made the statement at that time that we were to continue making our mortgage payments as usual, nothing changed there. What did change, is that Citibank continued to take out the {$27.00} for the life insurance premiums, I am assuming put it in escrow and then stopped making those payments to the insurance company. After receiving a notice from XXXX XX/XX/XXXX, we were informed that they had not received a payment. We contacted them and we were told that the payments had stopped and now were 3 months behind! My question again is, why did the payments stop and what happened to 3 months ' worth of insurance premiums that were clearly stated on our mortgage statement it was taken out?
My wife contacted Citibank and she was given a case number and to follow up again in 10-days. This would give the Citibank Representative time to investigate this issue. After the 10-day period and follow up from Citibank, my wife called yet again and had to explain the entire situation over to XXXX different people, and still can not find out why the payments stopped to XXXX, or why they were still taking out the money on a monthly basis. None of those XXXX people could explain why, what, where and when or give her a concerning answer. XX/XX/XXXX, we received a notice from XXXX that our life insurance was cancelled due to NONPAYMNENT for 6 months from Citibank. So as it stands right now, if I die, the house will not be paid off, and my wife will have to turn it back over to Citibank for a problem that YOU started, caused and refuse to resolve and/or fix. My wife suffers from XXXX and XXXX and can not work anymore. She has been waiting for more than 5 years on a XXXX decision. I currently work XXXX jobs to make ends meet, take care of the house, and the lawn, shopping and play caregiver to my wife of 36 years. She has no quality of life and this situation has not helped it at all.
The way I see it, since the life insurance has n't been paid since XX/XX/XXXX and it was cancelled XX/XX/XXXX, Citibank now owes me 5 months ' worth of life insurance payments in the amount of {$130.00}. I 'm sorry to have taken this long to pursue this, but after trying to get a life insurance policy that I can afford, I can no longer let them get away with this. I 'm hoping that your organization can help us resolve this unjustified action by Citibank.
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| 10/02/2023 |
Yes |
- Credit card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/XXXX, I called THD Credit Card Services and made a payment in the amount of {$750.00}. I asked the representative to apply payments as follows : 1 ) apply a requested amount toward a monthly minimum payment, 2 ) the rest of the money apply toward promotional balances starting with the oldest. The rep XXXX ( XXXX ID XXXX ) and rep XXXX from the financial (? ) department assured me that the payments will be applied as directed. XXXX also read the statement/disclosure indicating that the allocation will be applied as discussed. The call was recorded on XX/XX/XXXXXXXX @ XXXX XXXX EDT. On XX/XX/XXXX, I called THD CC Services and made another payment in the amount of {$640.00} to close the promotional balance only which expires on XX/XX/XXXX. I made two payments during the same billing cycle ( XX/XX/XXXX and XX/XX/XXXX ), the minimum monthly payment was covered during the XX/XX/XXXX payment. The due date is the XXXX day of each month. The reference number is XXXX XX/XX/XXXX @ XXXX XXXX EDT. On XX/XX/XXXX, I noticed that the payment in the amount of {$640.00} was not applied toward my expiring promotional but applied only partially and the monthly minimum was taken out of this payment again leaving the outstanding balance of {$450.00}. I called back on XX/XX/XXXX, at XXXX XXXX EDT. The rep XXXX from a supervisor team assured me during the verbal statement on a recorded line that my payment in the amount of {$640.00} made on XX/XX/XXXX will be re-applied toward an expiring promotional as a requested XXXX out the outstanding balance. Today, XX/XX/XXXX, I noticed that the outstanding balance of promotional charges in the amount of {$640.00} is indeed XXXX out, but the balance was moved to an earlier closed promotional charge which now generates compound interest daily. This is not a first assurance when THD CC services employ deceptive practices. The consumer has no options to make payments as needed, instead, the consumer is forced to call in to request an allocation otherwise the promotional charges can not be paid overtime but must be paid along with the monthly payments. The CC Services do have the option to allocate additional money to promotional charges, but the consumer can only select up to 3 expiring promotional charges and the funds will be allocated in the way that only 33 % will be allocated to the first promotional charge, 33 % to the second, and 33 % to third, or if a consumer selects to pay off two promotional charges, then only 50 % will go toward the first selected charge, and 50 % to the second promotional charge. But if the consumer wants to pay off several ( two or more ) promotional charges at the same payment, there is no way to select 100 % for each promotional outstanding balance. The consumer must call in. However, even if the consumer calls in and requests payment allocation, that does not guarantee that the payments will be allocated as requested. The payments can be allocated whatever the " system '' allocates which makes the tracing of allocation of funds incredibly difficult. This is a deceptive practice by THD CC services and I am certain that many if not thousands or hundreds of thousands of consumers are affected by this practice. I am also asking the Consumer Financial Protection Bureau to initiate a thorough investigation into the THD CC services and take legal action against financial THD CC Services that engage in unfair, deceptive, or abusive practices. Thank you
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| 09/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I had a Citibank Mastercard with a XXXX limit that I had completely used up and I was slowly paying it off a little each month as I have many other bills and I can not afford to just pay off the entire balance all at once. in the app one day I was making a change to the autopay feature and I somehow and completely unintentionally set up Autopay to pay off the whole balance due on the card each month. I intended to setup autopay to pay some amount under XXXX a month, a little more than the minimum payment. I realized I had made this mistake when one day I looked at my checking account and it was overdrawn by {$1300.00}.
Citibank had attempted to pay themselves {$1800.00}. This was a result of what I had done on the app without realizing it. I immediately contacted Citibank and told them what happened, apologized for the mistake and explained that I never would have intentionally created an autopay for the full balance due since I had no where near that amount in my account and it had only just happened that day so they said it would be reviewed and they would be in touch with me to let me know if they were going to reverse this charge and send back my money. So next I called the XXXX XXXXXXXX XXXX where the checking account is and their explanation was a little Different as they acted as if I had nothing to worry about as the money was never transferred to citi and assured me it would be back in my account by the next day. It was back in my account the next day, but the day after that Citi once again attempted an electronic transaction to get the full balance owed from my checking account. The same day I received notice that Citi was lowering my credit limit to {$600.00}. After one more failed attempt to remove {$1800.00} from my checking account that was at the time down to a balance under {$200.00}, Citibank finally stopped that transaction from happening and with fees and interest, etc. my citi app showed the card now had a balance of {$2300.00} and that I was over my new lower credit limit by {$1700.00}. Soon thereafter the app indicated that my minimum payment due on XX/XX/17 would be {$1700.00}, the entire difference between my already existing balance and the new lower {$600.00} credit limit. I contacted citi and was told there was nothing I could do but payoff the whole amount over the {$600.00} limit and if I did not then citi would start adding {$40.00} a month as a penalty fee for exceeding my credit limit. So, because of the mistake I made with the app, it seems I am about to get seriously penalized by Citibank and their reps I spoke to didnt seem to think it made any difference that I am only over the limit because they retroactively lowered my limit and I have not engaged in any transaction that caused my account to be over the limit, I am only over the limit because they lowered it. They wanted to explain the reasons why my limit was lowered but that was really not the point, although I am certain they only lowered the limit when they thought momentarily that I had paid back {$1800.00} and lowered my balance to {$600.00}. I just dont think they should be able to lower my limit and then demand immediate payment of the entire difference, {$1700.00} as the minimum payment, which will if not paid cause them to add more penalties to the balance making it even farther over the limit. I mean can they just lower my limit to XXXX and demand all their money right now? They seem to think they can.
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| 05/08/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
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Complaint for horrible customer service and consistently being lied to. I opened a new acct on XX/XX/XXXXXXXX and confirmed the acct had the promotion within a week. I have called over 30 times to resolve this issue and spoke to several supervisors. I opened an account eligible for Citibank 's new account promotion ( XXXX ) on the phone. Criteria : Deposit and maintain a balance of at least {$30000.00} to earn a {$500.00} cash bonus. After making the qualifying deposit within the first 20 days, maintain that minimum balance for a consecutive 60days after the 21st day to receive the cash bonus. I opened an account in XX/XX/XXXXXXXX and transferred XXXX from my personal bank checking account that is my main checking account. The customer service reps and supervisors confirmed that Im on track from XXXXbecause I called to confirm if I needed anything because I've been doing this process with other banks. Over the course of 6 months while trying to collect my bonus I got nowhere. Citi reps were confused that they either dont offer promotions or didnt know how to verify my account. They opened a " Case '' that was supposed to resolve the problem, but I still haven't seen a dime 3 months after I was supposed to receive the bonus. Even after the 90-day period I made sure I met all the requirements. Most of the representatives I talked to at that number had a very heavy accent and you can tell they didnt understand. So, I have to repeat myself over and over. The worst part is that they didn't understand my words. I called at least 8 times a month and have several complaints and reference numbers after CITI said they are denying me the bonus but at least 3 reps said I was on track before XX/XX/XXXX for the bonus. I had one rep named XXXX who said she promised me and my spouse will get the promotion and I met the requirements. Here are the complaints/reference # that were given to me and a summary of my complaints. XXXX ( XXXX ) XXXX XXXX stated in XX/XX/XXXX ( XXXX confirmed also on XX/XX/XXXX ) that I will ensure me and my family member will get the promotion bonus and I was on track, XX/XX/XXXX XXXX ( supervisor ) started a dispute because she said I never was eligible for promotion and accidently started over the clock for the prev. dispute so the customer service rep was confused when I called back, XX/XX/XXXX XXXX up on me and filed a complaint but they didnt give me a complaint #, called back same day and spoke to XXXX XXXX # XXXX, XX/XX/XXXX. XXXX ( supervisor ) ref # XXXX stated I need to send them a w9 tax form because the only way to get a bonus is if I have a tax id number. They even sent me {$20.00} on XX/XX/XXXX in my account because I told them they should pay to fedex the sensitive info because they could have told me this when I opened the account. Come to find out this was another lie because they denied me the promotion either way. I even sent in the promotion flyer that I got to the fax they provided. Finally on XX/XX/XXXX I complained one more time that I had the proper code and should have the promotion. I set up the same account with my family member and they got the account because they got locked out due to potential fraud issues. FYI. They sent me a flyer with a promotion to try again but you have to be a new customer. I have all my supporting docs. Latest ref number XX/XX/XXXX XXXX ref # XXXX. Resolution would be to give me my promotion and I was promised {$500.00}. Reported to XXXX
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| 09/20/2023 |
Yes |
- Credit card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/XXXX, I called THD XXXX XXXX XXXX and made a payment in the amount of {$750.00}. I asked the representative to apply payments as follows : 1 ) apply a requested amount toward a monthly minimum payment, 2 ) the rest of the money apply toward promotional balances starting with the oldest. The rep XXXX ( Agent ID XXXX ) and rep XXXX from the financial (? ) department assured me that the payments will be applied as directed. XXXX also read the statement/disclosure indicating that the allocation will be applied as discussed. The call was recorded on XX/XX/XXXX @ XXXX XXXX EDT.
On XX/XX/XXXX, I called THD XXXX XXXX and made another payment in the amount of {$640.00} to close the promotional balance only which expires on XX/XX/XXXX. I made two payments during the same billing cycle ( XX/XX/XXXX and XX/XX/XXXX ), the minimum monthly payment was covered during the XX/XX/XXXX payment. The due date is the XXXX day of each month. The reference number is XXXX XX/XX/XXXX @ XXXX XXXX EDT.
On XX/XX/XXXX, I noticed that the payment in the amount of {$640.00} was not applied toward my expiring promotional but applied only partially and the monthly minimum was taken out of this payment again leaving the outstanding balance of {$450.00}. I called back on XX/XX/XXXX, at XXXX XXXX EDT. The rep XXXX from a supervisor team assured me during the verbal statement on a recorded line that my payment in the amount of {$640.00} made on XX/XX/XXXX will be re-applied toward an expiring promotional as a requested XXXX out the outstanding balance.
Today, XX/XX/XXXX, I noticed that the outstanding balance of promotional charges in the amount of {$640.00} is indeed zeroed out, but the balance was moved to an earlier closed promotional charge which now generates compound interest daily.
This is not a first assurance when THD XXXX XXXX employ deceptive practices. The consumer has no options to make payments as needed, instead, the consumer is forced to call in to request an allocation otherwise the promotional charges can not be paid overtime but must be paid along with the monthly payments. The CC Services do have the option to allocate additional money to promotional charges, but the consumer can only select up to 3 expiring promotional charges and the funds will be allocated in the way that only 33 % will be allocated to the first promotional charge, 33 % to the second, and 33 % to third, or if a consumer selects to pay off two promotional charges, then only 50 % will go toward the first selected charge, and 50 % to the second promotional charge. But if the consumer wants to pay off several ( two or more ) promotional charges at the same payment, there is no way to select 100 % for each promotional outstanding balance. The consumer must call in. However, even if the consumer calls in and requests payment allocation, that does not guarantee that the payments will be allocated as requested. The payments can be allocated whatever the " system '' allocates which makes the tracing of allocation of funds incredibly difficult. This is a deceptive practice by THD XXXX services and I am certain that many if not thousands or hundreds of thousands of consumers are affected by this practice. I am also asking the Consumer Financial Protection Bureau to initiate a thorough investigation into the XXXX XXXX services and take legal action against financial THD XXXX XXXX that engage in unfair, deceptive, or abusive practices. Thank you
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| 12/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Sent card you never applied for
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Web |
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My husband and I have had a Citicard since XXXX. Have autopay on all my bills & credit cards. I paid the Citicard balance in full in XXXX, XXXX.
Citicard closed my account without my knowledge. Citicard issued me a new credit card without my consent or knowledge and also REMOVED MY AUTOPAY INFO. Citicard charged me a {$99.00} fee for this new card. I never activated this new card an did not realize it was a new account number. I receive paper statements from Citicard but only occasionally read them since I have autopay set up. Saw the {$99.00} charge on a paper statement that had in red letters " account XXXX months overdue ''. Impossible, I think, since I have always had autopay set up since XXXX.
I immediately called Citicard and spoke with person XXXX who said she was only there as a collection agent. She told me Citicard had reported a delinquent payment to the credit bureaus ( for the 1st time in my entire life ) a late payment ( which was not a debt ; rather, an advance Citicard yearly fee ). I tried to log into my account but saw it had been closed. I saw online a different account number, different from the one on my Citicards but matching the paper statement. I created a new account using the account number listed online, and resubmitted all my Autopay data to pay the {$99.00} fee.
I called customer service and asked that Citicard contact credit reporting bureaus and correct the misinformation they report of a late payment on a balance consisting of their $ XXXX yearly fee, since not only did I did not authorize a new account or card and was unaware of any delinquency, but I also never activated this new card. They should have closed my account, not issued me a new card, and not tried to collect on a fee for an unauthorized and unactivated card. I haven't used the Citicard for years.
Citicard customer service 2nd person XXXX said that Citicard should have called me but nobody called me or if they did, it was a robocall and I have XXXX activated due to a spam problems. These people answering customer service phones have no authority to do anything. This 2nd XXXX person contacted his " supervisor '' who told him that I never set up AUTOPAY. When I objected, he said the last payment you made was via a personal check. Yes, I said. XXXX XXXX XXXX told me that I had a daily and weekly limit on the amount that they would approve going through my checking account debit/credit card. I was advised to pay off larger debts via check. So I did. I explained this was why the last payment was via check. In XXXX, XXXX, my account was paid off, the balance was {$0.00}, and I had AUTOPAY in place in case I used the card in the future or my husband did.
But that did not happen. Instead, Citibank removed my AUTOPAY data without my knowledge and closed my credit card account, then issued a new card and new account ( when the old one was still good and not close to expiration ), without AUTOPAY set up, then charged me a fee of {$99.00} for the entire year ( I may have already paid this fee on the previous card ), then treated this fee on an unactivated, unauthorized card as a debt to them and reported it as a delinquent debt to the credit reporting agencies. Why did Citicard remove my AUTOPAY data?
I am wondering when I last paid Citicard 's {$99.00} fee. I am beyond disgusted. I have only helpless people who I can barely understand over the phone attending to customers. I have no recourse. Please advise.
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| 07/30/2015 |
Yes |
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Web |
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On XXXX XXXX, I submitted an online balance transfer request through the XXXX Mastercard website ( Citibank ) to pay XXXX credit card bills. 3 payments went through as normal, but XXXX is still outstanding. I called Sears mastercard today to find out what is going on, since the amount of the payment ( {$2600.00} ) is deducted from my available balance, but has n't paid the other credit card yet. A supervisor there explained to me that " the Federal Reserve is holding the funds for up to 60 days '' and that I can call them for more information. I called the Federal Reserve customer care number, and they told me that they do not hold any funds ever, and that I can file a complaint with the CFPB. I decided to call the other company XXXX, to see if they received the payment but had n't credited yet. I spoke with someone at XXXX who assured me that they have n't received any payments either by check or electronically, and that the best solution was to call Sears Mastercard back and get them to put a stop payment on it. I called Sears Mastercard back and spoke to a different supervisor, who went through a lot of research to get me a slightly different answer. By this time, I realized that I entered the receiving bank 's account number incorrectly ( it 's off by XXXX digit at the end ). Initially, he was saying that could be why my payment had n't been credited yet, however I explained to him that the receiving bank had no record of ever getting the payment in the first place. He said that they had n't issued a payment yet, because they were waiting for the " FRB to provide clearance '', and when I questioned it further, he explained that the XXXX needed to give them authorization to send the payment. I continued to question this, because why would the XXXX need to give authorization, when I am giving the authorization to send the payment? He told me that his notes read " will be processed & posted after the check clears the FRB ''. I asked him how the check can clear the XXXX when they have n't even issued a check yet, and he said that it was in regard to the FRB giving them clearance to issue the check. I insisted that this did n't make any sense, and he agreed that " something strange '' was going on here. When I asked to speak to someone else, he said that there was n't anyone else to speak with. I asked him if he had a supervisor, and he said yes but they were " offline '' and I could n't speak with them. I also asked to speak to another department, perhaps one that handles the balance transfers, and he said again that they were " offline '' and that I could n't speak with them. There was too much guessing, too much run around, and when I asked him what the next steps would be, he said " it 's a waiting game ''. He said that balance transfers can take up to XXXX days, however the confirmation I received when I initiated the transfers said " 1-2 business days from today ; however it can take up to 10 business days ''. He told me that it is in the account disclosure, and when I asked him to send me it, he said I could pull it up online. Each employee that I spoke with at Sears Mastercard, XXXX, and the XXXX were pleasant to deal with, however, there is a {$2600.00} payment that is still missing and no one can seem to figure out what the problem is. Sears Mastercard blames it on the XXXX, the XXXX says that XXXX Mastercard is lying, and XXXX ( the receiving bank ) has no record of any attempt at a payment.
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| 07/24/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXXXXXX : One Main Financial, Inc.
XXXX XXXX XXXX XXXX XXXX, NJ XXXXRegarding the Disclosure Statement, Note and Security Agreement for Account XXXX ; XXXX/XXXX/XXXX : The amount financed was {$9300.00} ; the finance charge amount is {$8400.00}, or ninety percent ( 90 % ) of the secured loan at a rate of {$290.00} per month. The final payment date is listed as XXXX/XXXX/XXXX for a sixty ( 60 ) month period. The APR is quoted as 28.99 %.
Simple math tells us that the amount the borrower will owe at the end of the sixty ( 60 ) months is {$17000.00} ( $ XXXX {$17000.00} ). It is clear then, that there is no APR of 28.99 % as stated.
Regarding the debited amount for account XXXX in the monthly statement : The finance charge is again referred to as " interest ''. For this most recent statement, the amount deducted from the borrower 's bank account for the XXXX month of the loan is {$290.00}. Of that amount, {$140.00}, was applied to principal, leaving 52.6 % applied to interest ( $ XXXX $ XXXX {$150.00} ). At no time has the " interest '' for this loan ever been below this amount ( fluctuation between 77 % XXXX % ). And, in fact, it will not, nor can ever be, given that the " interest '' is not interest at all, but a simple calculation of $ XXXX months= {$17000.00}, the original amount of {$9300.00} financed at a rate of 90 %.
Credit Score on XX/XX/XXXX:XXXXLoan was secured with a XXXX Toyota Corolla.
On XX/XX/XXXX, borrower met with a representative of One Main Financial @ XXXX to ask if there was a way in which the loan could be converted back to an unsecured loan so that vehicle could be sold and a new car purchased ( to get back and forth to work ). Borrower is a XXXX and has been employed with XXXX XXXX XXXX XXXX since XX/XX/XXXX. Driving distance is approximately XXXX miles.
Amount left due on the loan is stated as {$6400.00}. A payoff figure for that day ( XX/XX/XXXX ) was quoted at approximately {$6300.00}. ( what the borrower will actually be charged in the remaining 29 months for the life of the loan is {$8600.00} ; One Main continues to misrepresent with inaccuracy even the monthly billing statement. ) Payment in the amount of {$9200.00} has been made since XX/XX/XXXX ( {$9500.00} as of XX/XX/XXXX ).
Borrower was informed that she could do XXXX of XXXX things : Re-apply for a small loan ( {$300.00} ) and the loan could be re-negotiated as unsecured and it was also stated that the monthly amount would be lower ). Given that flipping the loan would increase the debt to {$12000.00} ( + {$570.00} or the amount borrowed at 90 % ), if finance charges of 90 % hold true. This statement by the representative can be construed as Predatory Lending. ORPay {$2000.00}. to reduce the loan amount, thus giving " corporate '', as stated, a reason to consider the request.
*No TILA was provided to borrower at any time during the loan process.
Federal law authorizes the OCC to order supervised institutions to make monetary and other adjustments to the accounts of consumers where an annual percentage rate ( APR ) or finance charge was inaccurately disclosed under certain circumstances. XXXXCosts in addition to loan : As a secured loan, One Main Financial required a {$500.00} deductible on Auto Insurance with Collision. This raised the rate for a policy with XXXX XXXX to XXXX per month on a XXXX Toyota , excessive coverage for a XXXX year old vehicle.
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| 08/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Dear Sir or Madam, I applied for a mortgage refinance with Citibank XX/XX/2021. I would add they promptly required payment of all processing fees which I paid. I have submitted every document the bank has requested of me. I have responded to and submitted everything requested within 24 hours. Every time I do this, I am told that the file will be submitted to the underwriter. I end every submission with a request to please let me know if there is anything else that is required. I have rarely if ever received a response. The only time any action is taken on my application is when I have called to ask what is going on. We are a few days out from 8 months that Citibank has had my application and it seems there is no sense of urgency nor regard for me as a customer. I have requested to speak to a supervisor / manager and I have never been allowed to speak to one. I have only been allowed to speak to a senior processor but never anyone who is a manager or supervisor.
On or about XX/XX/XXXX, spoke with a processor by the name of XXXX XXXX. She apologized for the delays and asked me to submit recent pay stubs as the ones I submitted previously had expired since so much time has passed. I submitted them and she assured me at that time that it would take perhaps 7 to 10 more days then my loan application would be reviewed by the underwriter. I followed up in an email on XX/XX/XXXX and I also called Ms. Ms. XXXX and another processor by the name of XXXX XXXX. Neither of them has ever responded to my email nor my voice messages.
On or about XX/XX/XXXX I requested to renegotiate the rate lock which is locked in at 3.5 % as interest rates have dropped since the time I submitted my application. I was told they can not re-negotiate my rate because my file has not been reviewed by an underwriter. In other words, I am being penalized for the banks incompetence.
On XX/XX/XXXX, I submitted additional documents requested of me and I ccd a Ms. XXXX XXXX, Area Operations Manager. I never heard from her, instead I have been met with a request for still more documents which I have submitted timely and still nothing. On XX/XX/XXXX, I received a call from another Processor XXXX XXXX. She assured me she would assist me. She was apologetic for the days and she proceeded to explain that Citibank has a new computer / software system that has contributed to delays as their employees need time to learn the new system. As much as I appreciate the courtesy and the explanation, I have been left to deal with an endless request for documents and it seems I have to accept Citibanks incompetence.
I have explained to Citibank that every month that passes costs me money because I am paying a higher interest rate on my existing mortgage. None of my concerns seem to matter to anyone at Citibank. Just last week, the processor admitted that my file has been bounced around to several processors. She also admitted that no one has been working on my file.
Lastly, as much as it pains me to say it. I am starting to wonder if there is some sort of ethnic, racial and or bias based on my sexual orientation. I say this because I have run out of ways to understand what logical explanation there could be for a delay of this magnitude not to mention the horrendous customer service.
My patience is gone and I hope you folks can help me get Citibank to complete my refinance timely.
I thank you in advance for your help.
Sincerely, XXXX XXXX XXXX
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| 01/24/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XXXX XXXX, 2022, I was the victim of a scammer who texted and then called me, posing as the Citibank fraud dept. alerting me to suspicious activity involving my accounts- specifically two debit purchases and a large transfer of funds from one linked checking account to the other.
The caller provided a Citi employee badge ID number upon request, said they'd locked my account to prevent any further activity, and then talked me through two transfers via Citi 's XXXX payment app- supposedly restoring the transferred funds to their proper account - totaling {$4900.00}. When I asked for some additional information and a confirmation number for the call, the caller abruptly hung up. I called the number back, only to hear static. I then called Citi directly, and was told that while the transfers- both the fraudulent one the caller had mentioned, as well as the two XXXX transfers he had instructed me to make - had gone through, there was no record of the Citi fraud department contacting me, or of anyone with the name and badge ID the caller had given me working there.
Upon determining that my accounts had somehow been accessed by the scammers and unbeknownst to me upgraded from Basic Banking to 'Priority ' status- thereby making more of my funds available to them - I immediately filed a claim for the lost funds with Citi XXXX In a few days, I got a form letter denying my claim on the grounds that the fraudulently-initiated XXXX transfers were 'consistent with my normal banking activities. ' On XXXX XXXX, I went to a Citi branch near my home, and met with a banker to escalate the claim and hopefully get a reasonable resolution. She contacted someone in the fraud department, and I re-explained the situation to him. In addition to re-submitting my claim, we also had to completely re-establish my Citi profile, opening brand new checking and savings accounts, new user ID, etc.
On XX/XX/XXXX, I received a second form letter from Citi identical to the first one I got, citing the same reason for rejecting my re-submitted claim, and offering no additional information.
Again : those two XXXX transfers were the result of fraud, and absolutely *not* consistent with my normal banking activities. I rarely use the XXXX app, and certainly never for amounts as large as the two transfers the scammers tricked me into making.
Even more alarming, the Citi fraud department appears to have ignored the fact that prior to the scammer contacting me and impersonating a Citi employee, they were able to access my Citi profile and upgrade it to a Priority account, without my knowledge, without my consent, and without Citi alerting me of suspicious activity until XX/XX/XXXX - via an email, long after the alert would have been of any help.
Upon receiving the second rejection letter, I emailed the banker I'd met with, asking her thoughts on any next steps we might take. After waiting a week for a response, I emailed her a second time to follow up ; as of this writing, she still has not responded.
In addition to the financial disaster this has been, my anger and frustration is based in Citi 's failure to protect my online profile or alert me in a timely fashion that my account had suddenly been upgraded- both of which made nearly all of my cash assets available to the scammers. That anger and frustration has been compounded by Citi 's dismissive, generic rejections of my claim, and now the banker 's non-response to my email.
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| 09/20/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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I'm an XXXX XXXX military person with a government issued Citibank Travel business card which is used to pay for my military travel. Today, I received a notification that my travel wasn't booked because of an issue with my government issued credit card.
I contacted Citibank Travel to inquire and they informed me that there was an outstanding balance of roughly {$2.00} that wasn't paid on my last expense report ( a payment of over {$5000.00} was made at one time to cover the entire cost of the trip ). After 4 phones calls today, I was told by a supervisor the international currency fees weren't accounted for when payment was submitted by my military credit card manager which was the reasoning for the {$2.00} fee. I asked for them to provide documentation that they attempted to contact me but no documentation was provided. There response every time I asked that question was that it's my responsibility to ensure the mailing address on file is correct, as it was supposedly showing my previous residence. I informed them that when I moved to my new duty station, that I updated all of my information, to include my credit card information on our travel credit card program and that I wasn't sure why that wasn't reflecting since each time I login to the system, it asks me to ensure my credit card information is correct. I also informed them that my travel claim will not process unless every penny is accounted for, which in every situation, has always resulted in the entire balance being paid in full ( by the military, they pay off the credit card after every travel - not me - I'm as far detached from this as anyone could be ). To make matters worse, they suspended my card for 60 days despite me offering to pay the balance in full on the spot when I called today and said there was no exception to this policy and that regardless of payment, there was nothing that they could do to reactivate my credit card which means my official military travel next week has to be cancelled.
The new total balance owed is {$140.00} I believe vice {$2.00} and some change because they charged me 2-3 late fees as well as a wage garnishment fee to have the military pay system called XXXX, garnish my wages for the balance. The fact that no mail, no phone calls and no notification from my command makes me question the legitimacy of these fees and whether or not the company actually adhered to their own policies.
When I spoke to the supervisor I asked the following " why would I pay ( the military ) over {$5000.00} in a single payment and not pay the other {$2.00}, and why would you think that I purposely avoided paying the {$2.00} ''. I then stated to them if I was going to be delinquent on paying them, it would be for {$2.00} and to use some common sense that this was an oversight on my military travel office.
At the end of the day they didn't care, they wanted their {$130.00} in fees that they assessed I owed and could care less to use common sense or attempt to have a real person call me to inquire about the delinquent payment and instead just sent it to the collection agency to have my wages garnished. I'm XXXX years old, am still serving on XXXX XXXX for the last 24 years and have a credit score of 800-815. Their attitude, behavior and demeanor was the most rude and hostile phone call I've ever experienced in my entire adult life.
Anything you can do to assist in this matter is appreciated and I thank you for your time.
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| 02/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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TO WHOM IT MAY CONCERN : My name is XXXX XXXX. I am hoping filing this complaint through the CFPB will help resolve the disputes Ive previously made with Citi Bank regarding my CitiBusiness Platinum Select World Mastercard ending in XXXX. To specify, I am disputing a {$490.00} charge for XXXX which I did NOT initiate or authorize. As Ive previously told Citi, this credit card was stolen and used to make unauthorized/fraudulent charges between XX/XX/XXXX-XX/XX/XXXX ( dates provided by Citis online statement ) for almost {$3000.00}. I also have a XXXX account which was hacked ( date unknown to me ) and the Citi card was used to make purchases on XXXX which I, in no way whatsoever, ever authorized. I reported this card as stolen to Citi as soon as I found out. Citi was supposed to investigate the charges, but I have not received any substantive investigation results and Citi is now demanding I pay the charges. Nothing Citi provided me showed how these charges could possibly have been made by me. This scenario seems to be a nationwide problem due to all the hacking and poor security measures put in place by those entities which store our information. I have experience in IT and know that Citi could easily figure out where these charges originated by a simple IP check or other various means that would point them in the right direction. Citi has, instead, chosen to try and collect this debt from me. I am assuming because that is easier for them than actually investigating the charges. This is unethical and violates our agreement. I should not be held responsible for charges that I did not initiate. Citis investigation stated ( by no explanation or means of how they reached their decision ) the charges are reversed back to me, even though I did not make them and even though they can not show how I could possibly be responsible. Citi is responsible for the cards activities. Citis own security system should have detected the spending pattern on the card was highly irregular and contacted me at that point. I know this is commonly used by CC companies because I have had to verify purchases which seemed out of place in the past. There were 18-charges within 8-days totalling almost {$3000.00} and Citi didnt contact me once during this time to verify they were legit. This card wasnt a go-to card for me, I typically used it a few times per month ( 3-4 times ) which my account history shows and which should have alerted Citi to possible fraud or at least suspicion of, on their part ( please see XX/XX/XXXX vs. XX/XX/XXXX statements attached ). I am requesting all documentation, such as any signatures that were recorded when the stolen card was used, and any other documentation which Citi used to come to this incorrect decision. I realize investigating charges can be timely, but this is their responsibility and they have the means to do so, and the cost should not come down on me because the bank has deemed it cheaper or not worth to get to the bottom of. I have dealt with the situation as Citi requests when your card is used without your permission : I promptly reported the card stolen as soon as I found out. Citi should have known sooner, but thats neither here nor there, at this point. Thank you for your time and ( I hope ) prompt attention to this issue. If there is anything I have failed to do to meet my burden to Citi, please let me know. I would like to have this resolved as soon as possible. Again, thank you.
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| 10/03/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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In XX/XX/XXXX I was offered at Home Depot a new credit card, I told the gentleman that my old card was still working and he said that if I got a new card I would get a discount of {$25.00} on my purchase, he never mentioned that I was opening a second account which I would never have consented to.
I was never sent a statement for that account till in XX/XX/XXXX when I was notified that I was behind in my payments. I called XXXX XXXX who handles home depot accounts and explained to them that I was totally unaware of having two accounts. I asked them to put the total on the old card and closed the new account. They said they could n't do that that all they could do was for me to pay it off and then close it, so I did, right then and there with my bank card.
Two days ago I went to Home depot and made a purchase and found out that both accounts had been closed. I talked to customer service and explained to them what happened and they made a call and said that they would investigate the problem for me to come back Saturday to check about it.
When I got home I had two bills in the mail from Home Depot. One for each account. One said that on the new card I still owed a balance and I was late with my payment so they doubled the payment. The other statement said that I owed a balance on my old account, which I do, that I was late with my payment and they doubled the payment. I am never late or have never missed a payment. I make my payments through my credit union with the account number of my old account.
I went back to Home Depot and told them to please get the mess straightened out. They made some more calls and told me that my payments were getting sent to the new account that I had paid off, and closed, and that I had a credit of {$27.00}, and that they were going to reimburse me by sending it back to my bank. I do n't know where they got that amount as I pay payments of {$35.00}. Did they keep the interest on a payment that was n't even needed on a XXXX balance account? Also, They put that payment on an account that it was not sent to. Who authorized that payment to go to an account with a different number that it was sent to. Also, I have credit on that account but I get a bill with a balance on the same account, How is that possible?
Any how, Home Depot said it was my credit union that was sending it to the wrong account, I went to my credit union they checked and they only have one Home Depot account number and that is the number of my old account that I send my payments to..
I went back to Home Depot and they said they could do no more for me. Please, I am getting charged late charges when I am not late have never missed a payment ever, and I 'm getting charged late payments on the new card that has or should have a XXXX balance and is closed. I am scared to death to make another payment, where are my payments going? Getting charged late fees when I should not be getting charged for. What is going on? If I was n't an intelligent person I could be easily scammed by making that payment on the account I paid in full with a XXXX balance. Good thing I am still a competent XXXX year old. I am not making any more payments until this is resolved. I did make that double payment this month, XXXX-2017, of {$58.00}, that included late fees that were wrongfully applied. I made it just so that I do n't get more late fees, but I 'm hoping it does n't get sent to the wrong account again, or some where else.
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| 12/07/2015 |
Yes |
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Web |
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My Macy 's credit card information was stolen and fraudulently used to make unauthorized purchases using XXXX XXXX account and in Macy 's stores in the state of New York from XXXX/XXXX/15 to XXXX/XXXX/15 ( XXXX card with XXXX lines of credit ). I live in Florida and never went to locations in question. Prior to the incident I had a {$0.00} balance on both accounts. Macy 's American Express first informed me of suspicious activity on XXXX/XXXX/15. As soon as I saw their email I called Macy 's Customer Service on XXXX/XXXX/15 to report the identity theft and dispute the charges totaling {$1500.00} on both accounts ( XXXX XXXX and store ). While the XXXX charges of {$180.00} were initially adjusted, Macy 's refused to acknowledge the store charges of {$1300.00} as fraudulent. Since then I called several times and talked to several agents, but every time the agent was surprised to hear that I dispute the store charges as well. Then the agent would take my information again, tell me not to worry and that the investigation is in process. The Macy 's AmEx sent me a form to fill out which I did for both accounts and sent back on XXXX/XXXX/15 with a copy of my driver 's license. When I called again I was told the XXXX charges were adjusted pending investigation but the fraudulent Macy 's store charges remained untouched with late fees piling up. Finally, on XXXX/XXXX/15 I was told by an agent that I was supposed to fill out a separate form for Macy 's account which I finally received on XXXX/XXXX/15. I filled it out and sent back with a copy of my driver 's license with my signature per certified mail on XXXX/XXXX/15. In the meanwhile I received a letter from Macy 's dated XXXX/XXXX/15 stating that I DID NOT REPORT my card stolen and that it was a valid charge. They sent me a copy of the store receipt with clearly different and illegible signature for XXXX of the disputed charges. I sent XXXX certified letters to Macy 's Department Stores XXXX in Ohio ( as instructed on the back side of the statements ) on XXXX/XXXX/15 and XXXX/XXXX/15. On XXXX/XXXX/15 I received a call from Macy 's stating that I am delinquent on my account. I called back on XXXX/XXXX/15 and talked to agents XXXX and XXXX ( ID # XXXX ) to ask for the case number. They said I have no case number and that I still have XXXX XXXX and store charges on my account. The call was dropped. I called back and asked for the case number again. I was put on hold for over XXXX min. Finally I talked to agent XXXX ID # XXXX and asked again for the case number. She was again surprised that I dispute the XXXX and store charges and said she " is looking for the case number and can not find it ''. She put me on hold again. Then she said I have a balance of {$2600.00} on my XXXX XXXX account! ( The initial disputed XXXX account balance was {$180.00} ). I asked to tell me where this number comes from. She said she can not give me this information. She has to talk to the supervisor whom she can not reach. On this day I was on the phone for XXXX hours and XXXX min mostly on hold and waiting for a supervisor to get me my case number. I was not connected to the supervisor and was told I do not have a case number. At this point I do not know how to deal with Macy 's as its representatives lie, change facts, refuse to talk and acknowledge my fraud claim and that my credit card information was stolen. I feel that Macy 's is involved in willful unfair business practices.
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| 11/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We tried to get a loan from citi bank with loan agent XXXX XXXX ( NMLS ID : XXXX ) and it took us 14 days longer than the closing date to close the loan and we had to spend XXXX dollars extra as our late penalty.
During this whole loan closing process, XXXX failed to let us know what documents are needed in advance : we submitted the bank statement from an overseas account in the email on XX/XX/2022, she didn't mention anything to us about the fact that it wasn't in XXXX, until XX/XX/2022 she suddenly said that it needs to be translated and the translation wasn't completed until XX/XX/2022 which is the main reason that we are way behind our schedule of closing the loan.
During this whole time, we've trying our best to work with XXXX on preparing the documents that are needed to close the loan, we were able to send the documents within XXXX day upon receiving the requests ( indicated in our email chain ). Yet, when the delay happened, citi bank is trying to blame us for not giving them the documents on time. How can we, as the customers know what kind of documents that we need to prepare since this is our first time getting the loan?! Also, at the beginning, my husband called XXXX to explain the details about how we got the gift money from overseas and why it might be complicated to document. Instead of guiding us to how to prepare more documents to make things clear for the underwriter, XXXX told us Not to mention too much before the underwriter ask for it. We trusted her during that time and didnt prepare anything extra as she suggested and thus resulted in the insufficient materials that we prepared for the first round of review and a further delay in the loan.
During the whole process, there are multiple times that XXXX asked us to prepare the same documents. The reason about that is her assistant is on vacation, and she used to review your documents so when XXXX took over the work from her assistant, she took extra time to review everything again. Because of her lack of familiarity on our loan documents and status, we had to spend extra time going through everything with her again which results in misjudgment of our loan status and the documents we need to prepare for the loan.
The reason we got the late punishment from the seller is that during the phone conversations that the listing agent had with XXXX, her unprofessional behavior and ambiguous words has resulted in the seller and the listing agent losing their trusts in us. They were furious and shocked about us choosing such an unprofessional loan agent whos incapable of her job to work on our loan. Because of that, in our text messages and phone calls, the listing agent mentioned more than once that he has completely lost his trust in citi bank, and he made us to agree to working with another loan agent at a different bank that he trust at the same time to make sure that someone reliable is working on our case. He mentioned that because he doesnt believe XXXX has the responsibility to close this case, he would give us late fee addendum for not moving to another bank sooner to close the case.
Based on those, we think XXXX should be responsible for the delay in closing because of her inexperience in judging what documents are needed for the gift money, her failure in communicating with XXXX during their work pass down as well as her unprofessional communication with XXXX the listing agent on our the details about the loan status.
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| 08/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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I called in on XX/XX/2021 to dispute a charge for services that was unsatisfied with, because I did not received what I signed and agreed and paid for from the merchant-XXXX XXXX XXXX. After trying reaching out the XXXX XXXX XXXX several times by emails and phone to resolve this matter and they failed to cooperate in any way, I decided to do a dispute the charges with my credit card Citi Bank in the amount of {$4400.00} that was paid to XXXX XXXX XXXX on XX/XX/2021 for services they did not completely do that was agreed upon in the contract signed. As I called in to do my request my dispute by phone I thoroughly explain to the guy representative what I was disputing and what I wanted my reasoning for my dispute to be. Citi Bank did not reference my reasoning of my dispute on the correspondence sent to me about my dispute, which perhaps the issue of this could have been fixed and properly done, so I was not aware of what they were sending over to the merchant when respond and act on the dispute until I received and email from Citi Bank regarding an update on my dispute. I then called, because the dispute correspondence was not available to me through my online account letter/correspondence section. I was then told about the update and that my dispute was closed in favor of the merchant as they provided documents showing service was not cancelled! which is true, but also the incorrect reason for my dispute. Citi Bank did not properly handle my dispute with XXXX XXXX XXXX as they should have. They disputed my matter with the wrong incorrect reasoning which was " cancelled goods or services '' as this was not my reasoning for the dispute, my reason was for the dispute is/was for full services not rendered/delivered as it was agreed upon per the contract between XXXX XXXX XXXX and I ( XXXX XXXX ). Therefore, It left me ( XXXX XXXX with a unjustified dispute and my dispute could not be reopen, because as it is policy/law with MasterCard, that a dispute can only be submitted one time for the charge that is being disputed.
So I feel like Citi Bank should be held responsible for incorrectly/wrongfully handling my dispute that did not allow me as the customer to get the proper investigation and resolution to my dispute. It also didn't request and allow the proper evidence/proof from XXXX XXXX XXXX to be submitted as to show what was paid to be done and that it was done ( according to XXXX XXXX XXXX ). So this now leaves me the consumer-XXXX XXXX to have to be financial responsible paying for something that was agreed upon to received in its entirety and did not receive the full product and full service that I paid for.
Citi Bank- Ms. XXXX , Account Manager has admitted and confirmed when speaking to her on XX/XX/2021 that the representative I spoke with on XX/XX/2021 incorrectly disputed my matter by putting in the wrong reason for the dispute based on what she had heard on the recording of the phone call that day of requesting my dispute with XXXX XXXX XXXX. Citi is at fault for not properly disputing my matter and entering my request and they need to come up with a realistic proven resolution. Because the letter sent XX/XX/2021 doesn't make sense I the merchant had agreed credit account, then why would I have initiated a dispute with Citi Bank, so what they are requesting to be done in order for my account to be credit is nonsense, and doesn't make sense.
**.Letter is attached to complaint file.
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| 06/28/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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Hello, XX/XX/XXXX I decided to start a XXXX as a XXXX, XXXX and XXXX XXXX. Since it's my first time I didn't understand the vendor 's instruction to wire money to international banks, especially using swift code. So in the process I made a mistake sending the money to the account number that was given to me for the intermediary institution for the foreign bank which is citibank.
On XXXX of XX/XX/XXXX the WITHDRAW took place showing in my account as receiver name XXXX and described and amount POP CK FEE of {$5.00} and total of {$1100.00}. But that money didn't get to where it was supposed to and I contacted citibank and they can't tell me anything because I don't have an account with citibank. They told me to talk to the bank or institution I used to send money. So I called several times back and forth between XXXX XXXX XXXX XXXX XXXX and CitiBank to resolve this issue. Nobody has any clue or willing to help me so I ended up sending the email below on XX/XX/XXXX. I am totally frustrated with the lack of help from this credit union. Even though I made a mistake sending money to a wrong account but it's sad the bank can't assist me resolving this issue. I will go to the hire level or go to the court if I have to and fight this.
Then I got this email on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX.
Dear XXXX XXXX Thank you for contacting us.
This email is in reference to your XXXX XXXX XXXX XXXX inquiry XXXX Thank you for your patience on this matter After conducting some research into your current situation and speaking with our account services about your case, we have been informed to have you contact your other financial institution, Citi Bank, and provide them with your trace number to locate those funds. Since the funds have already been sent, you would have to contact them.
Your trace number is XXXX.
I hope this helps. Please let me know if we can help with anything else. Have a great day! If you would like further assistance, simply reply to this email. We can also be reached by telephone at XXXX.
Thank youXXXX XXXX
But I kept on pressing hard to find the right person to help me in the bank and some kind of communication was taking place with hope of getting my money back.
I even make three way calls based on XXXX 's suggestion and the two banks communicate how they can go by resolving this issue. That was on XX/XX/XXXX. That was the last I heard from them.
So I sent another email to XXXX on XXXX XXXX, XXXX.
Almost a month now I haven't heard back from him.
XXXX XXXXMember Service SupervisorXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Office XXXX Fax city bankXXXX XXXX XXXX, XXXX XXXX ny XXXX On XX/XX/XXXX I got an email saying there is anything they can do to help me. So on XX/XX/XXXX I called citibank to find a way to resolve this situation. The customer service agent transferred to a supervisor and he wasn't willing to help me and he keeps on saying there is nothing they can do to help me. He didn't even want to give me anyone above him to talk to or anything. I thought this is America and Banks can get away with stealing people 's money.
This is not what I expect from big banks like citibank and I have had a credit card with you guys since XXXX, I just want my money back and I don't think I want to deal with you guys ever.I was looking into opening an international bank account but now with this kind of service I wouldn't even tell my enemy to do that.
Regards, -XXXX
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| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have been disputing 2 incorrect credit report items that Citi Bank - Best Buy Credit card filed for me. The issue started when they didn't cancel a " membership '' that they were supposed to cancel for me back in XXXX of XXXX. The renovation of the membership showed up in my XX/XX/XXXX statement and I immediately called Best Buy / Citi and let them know the charge was incorrect since I didn't want to renew the annual membership and they agreed to remove the charge from my card. Because this was not a purchase or a charge I authorized I didn't pay the amount to them. The next month statement still had the charge but now it included late fees and interest. I proceeded to call them again and let them know that this was supposed to be corrected and it never did. They mentioned they will take care of it this month and apologized. For this reason I didn't pay the charges again. The third month the charge still showed up and the only thing they removed was the fees and interest for me. After this third time of calling them again they finally agreed and removed all the charged completely since once again this was not a purchase or a service I agreed on keeping. I thought everything was ok but after my credit was pulled I was made aware that the score dropped drastically due to Citi reporting a 30 and a 60 day non payment for their account. I immediately called Citi / Best Buy to dispute this and the people over the phone ( customer service ) filed the report and agreed with me after explaining this to them. They mentioned this could take up to 30 days to get fixed since they issue reports to the credit bureaus once a month. After the first month I received a letter from Citi / Best Buy saying that after investigation they decided to not remove the late payment reports without giving me a full explanation. I called them a second time thinking this was a mistake and the same thing happened, the person over the phone in customer service agreed with me but once again after 30 days I received a second letter saying they denied my request. At the same time I start disputing this account at XXXX and they report that Best Buy is denying the claim and is remaining in my report. I finally called a third time and elevate this as much as i could with the biggest rank supervisor available who agrees with my claim ( for the third time ) and explains to me that there is a second filter that evaluates the disputes and come with the final determinations so that was the reason why my 2 previous disputes were denied. During this 3rd dispute the supervisor put a lot more detail on the explanation and promised me they would fix this. This time I received a third letter saying that " the account is no longer in dispute '' and they requested to delete the account in dispute from my credit report. After talking one more time with XXXX they told me they didnt remove the late payments since the letter just mention to delete the dispute note only.
This has been extremely frustrating and it has been an issue that is affecting my personal economy and my recently created business. Due to my business I depend on credit lines and loans to keep it on float and for the last 8 months they have been denying personal and business credit lines since they are both tied to my personal credit record that has always been fantastic up to this issue with Citi.
I really need help from you to get this clarified for good.
Thanks XXXX XXXX.
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| 10/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
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In XX/XX/2019 my company made two car rental reservations in order for me to travel and perform my job. Both reservations were paid for with a corporate prepaid voucher. In order for me to pick up the cars I had to have a valid credit card on file in case of accidents and/or damages made to the vehicle. At the completion of both rental periods, both vehicles were returned with no damages and my company received a final receipt reflecting a zero balance. However, both car rentals were fraudulently charged to my card. My credit card is a secured card issued by CitiBank and only had a limit Of {$500.00}. I opened this card in XXXX in an effort to build/establish my credit since I have virtually none. Since these transaction were allowed on my account, I have been unable to use my card and therefore my credit has suffered. I filed two disputes with CitiBank and sent copies of the final billing invoices received from my employer reflecting a balance of {$0.00}. Month after month I have battled with CitiBank over these transactions. The Investigators have claimed to have not received the documents or the at they were blurry and could not read them. In response I both emailed and faxed on numerous occasions clearly legible versions of both receipts. I have also spoken to at least 7 Supervisors employed at CitiBank who have all notated my accounts in my favor of the corrections to be made and urging the Investigators to reassess the disputes and expedite the process. Each Supervisor assured me that since they were in a Supervisory Position that their respective comments to correct my account would have weight with the Investigators decision to complete the dispute. Each employee that I worked with on this matter all agreed that I was charged in error. I did not encounter any CitiBank employee that made any claim that I was charged correctly. Yet, my account has remained overdrawn in excess of over {$2000.00}. None of the employees offered a valid explanation as to why these transaction were even allowed to clear my account when my credit limit was only {$500.00}. As of last week, my account has been closed and my initial security deposit has been applied to my account. This account reflects this status on my credit reports as well. When I spoke to a representative at CitiBank, they only offered a response of there is nothing more we can do. This is simply ridiculous. I have worked hard and was simply trying to establish credit to better my credit file with the hopes of eventually purchasing a home using my VA Benefits. I do not understand how or why this has happened nor why CitiBank has allowed this to occur without any care whatsoever of the effects it has had on me ... their customer that believed in their false statements of protection against fraudulent and unauthorized transactions. I was even demoted by my employer because I have been unable to travel or obtain clearance to pick up rental cars in order to visit clients without a valid credit card. I have been with my company for over 5 years. Im now forced to start all over again hoping that another opening happens in my old position. This has completely ruined my life. And CitiBank only offers an unsympathetic apology. This is clearly a case of corporate level nepotism as CitiBank failed to offer any protection at all to me as their client. They failed to protect my interest and allowed transaction well above my credit limit to clear my account.
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| 06/30/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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In XXXX of XXXX we received a decision from the XXXX Court of Appeals regarding a lawsuit we had filed against CitiMortgage in XXXX.
Upon reviewing the Appeal court decision we discovered that CitiMortgage and their counselXXXX introduced fraudulent and deceptive evidence into their XXXX brief ( Addendum Volume XXXX Part XXXX pages XXXX ) that was not present in the trial court. This action amounts to fraud, falsification of public records, mortgage fraud as well as criminal fraud.
The evidence CitiMortgage and counsel introduced into the Appeal Court record was an Affidavit by CitiMortgage employee ( alleged XXXX XXXX XXXX. XXXX Affidavit now proffered a copy of our mortgage note with the addition of a XXXX page that contained an endorsement that was never presented during the trial court. In fact, in all prior court filings and county records, as well as XXXX Affidavit that was XXXX presented in CitiMortgage 's Motion for Summary Judgment on XXXX XXXX, XXXX ; the mortgage note contained only XXXX pages and had no endorsements. Interestingly, in the same Appeal Addendum ( Volume XXXX Part XXXX pages XXXX ) Citimortgage presents a XXXX page note with no endorsement in direct conflict with the note presented in XXXX testimony that has XXXX pages and an endorsement on pages XXXX.
The lack of an endorsement was central to our original complaint and appeal. XXXX XXXX Affidavit, sworn under oath, was prejudicial to the outcome of our appeal, may be criminal in nature and violates Rule 60 of XXXX Civil Procedure.
Under XXXX Civil Procedure Rule 60, amended paragraph ( 4 ) of subdivision XXXX c ) states a judgment, decree or order may be modified or set aside " [ f ] or misrepresentation or fraud ( whether heretofore denominated intrinsic or extrinsic ) by an adverse party. '' The concealment or forgery of this XXXX page with endorsement to our mortgage note is evidence of fraud among other legal violations yet to be determined. Tampering with a public record is a Class D felony and is punishable by up to six years in prison in XXXX
This fraud involves a property located in XXXX, a borrower who lives in XXXX and a mortgage servicer and employee that reside in XXXX. This deception resulted in an unfair trial and potentially the loss of a home valued at over {$300000.00}.
This is n't the XXXX time XXXX has perjured himself. There is a XXXX case entitled XXXX XXXX XXXX XXXX XXXX XXXX and CitiMortgage, Inc. XXXX XXXX District Court XXXX ), where XXXX XXXX declared under the penalty of perjury, that a note that was endorsed to CitiMortgage came directly from the loan originator. Despite XXXX sworn testimony, CitiMortgage later admitted judicially that the assignment of XXXX note from MERS was a fabrication.
Note : Although I am not certain that XXXX XXXX XXXX who use aliases XXXX XXXX and XXXX XXXX XXXX is the same individual, XXXX year-old XXXX XXXX from XXXX was recently arrested for XXXX and other charges.
My dealings with Citimortgage have been rife with fraud over the past decade. Not only did Citimortgage file XXXX fraudulent proof of claims in XXXX Federal bankruptcy proceedings, but revoked an 'approved repayment plan ' when we were in compliance with the agreement. There are a myriad of other issues involving Citimortgage including standing and other fraudulent acts, but this latest illegal maneuver has resulted in a violation of due process and prejudiced the court 's decision.
Thank you.
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| 05/09/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX, I opened a checking and savings account after seeing a promotion on Citibank website that stated that new customers who open a checking and savings account can receive up to {$500.00} as bonus. The way this breaks down is that customers can receive {$400.00} bonus by depositing {$15000.00} new-to-citibank funds between the new checking and savings accounts and maintaining a minimum of {$15000.00} between the checking and savings account for 60 consecutive calendar days. Customers can also receive additional {$100.00} by completing one qualifying direct deposit each month for two consecutive months within 60 days of account opening for a total of cash bonus of {$500.00} ( this promotion is still live on Citibank 's website ). I completed all these requirements exactly as stated by XX/XX/XXXX. I had called citibank around this time in XXXX and was provided the confirmation by the customer service representative that I have met all the requirements and I can expect to receive the {$500.00} bonus 90 days later as per the promotion rules. On XX/XX/XXXX, Citibank automatically closed my savings account citing the balance in my savings account was {$0.00}. On XX/XX/XXXX, following the 90 day period, I did not receive the {$500.00} promised by Citibank and therefore, called to inquire. The customer service representative again confirmed I have met all requirements of the promotion and should have been given the {$500.00} by now. He advised he will connect with his higher level support and investigate further. On XX/XX/XXXX, I received an electronic communication stating that I do not qualify to receive the {$400.00} bonus because my savings account is closed. I called customer service again to rectify and spoke with a " supervisor '' who was not willing to listen and kept citing the same statement as stated in the letter received on XX/XX/XXXX. I informed the " supervisor '' that the terms and conditions do not state that the savings account has to be open at the time of disbursement of the bonus. The following is the excerpt from Citibank 's own terms and conditions as found on their website which clearly contradict to what Citibank is stating as the reason to deny the bonus. Additional terms and conditions are attached to this complaint as well.
" WHAT IS BEING OFFERED IN THIS CASH BONUS OFFER?
If you are an Eligible Customer, enroll in the $ XXXX {$500.00} Checking and Savings Offer, and fulfill required activities ( see required activities below ), you can earn a $ XXXX {$500.00} Cash Bonus. At the time the {$400.00} Cash Bonus is paid, it will be credited to 1 ) your new Eligible Checking Account if both your Eligible Checking Account and Eligible Savings Account are open, 2 ) Eligible Checking Account if your Eligible Savings Account is closed, or 3 ) your new Eligible Savings account if your Eligible Checking Account is closed. The Cash Bonus will be credited within ninety ( 90 ) calendar days from the date you complete all required activities ( see required activities below ). If you are eligible for the additional {$100.00} cash bonus ( {$500.00} offer ), at the time the Cash Bonus is credited to your Eligible Checking Account, your new Eligible Checking Account must both be open and in good standing. '' I believe Citibank is intentionally engaging in fraudulent promotions to attract new customers. I humbly request you look into this matter and take the appropriate actions.
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| 01/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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1. On XX/XX/XXXX We disputed the credit card through the Citi credit card with the reason the law firm doesn't provide the job and service to us. the Citi card rejected the dispute and unwilling to reopen the case with the reason the Citi credit card is not allowed the consumer to using the credit card to pay for the services. I never heard about it and then I requested the Citi card to provide me the policy regulation statement by email per reason rejected disputed. Citi credit card company unwilling to provide me what she was told me about it. I feel unfair as a consumer without the protection from the credit card company. I emailed again to upper management and none of them respond back to us.
2. We paid the law firm for the retainer fees to answer the court or plaintiffs from our company check with total amount of {$20000.00}. The law firm wants me to signed an agreement as additional contingency fees {$30000.00} to filing the malicious prosecution lawsuit against the plaintiffs. But none of the job and services performs on the case at all. The law firm keeps ignored and quite after the firm got money from us.
3. The credit card total charge rejected dispute is {$30000.00} which is as below : a ). 10 X {$2500.00} = {$25000.00}, which the law firm signed the agreement with me the firm will do deposition, discovery, and summary judgment and cross-complaint back to the plaintiffs which they already know we were innocent. But none of the jobs and services has provided to us and no movement we received the services until the case was dismissed by plaintiffs and court.
b ). The law firm contacted us on XX/XX/XXXX said the case will go for trial around XX/XX/XXXX. He requested me to pay another {$5000.00} for the trial fees and we agreed to the law firm to charges the credit card on XX/XX/XXXX. After charges, the {$5000.00}, on XX/XX/XXXX, the lawyer emailed us said the case was dismissed by plaintiffs and the case was closed by plaintiffs. We don't have a copy of any court paper as show dismissed from the law firm, he just email said case dismissed he received XX/XX/XXXX. Since the case was dismissed by plaintiffs, none of the jobs and services the law firm has been a show to us. We asked for the action, the law firm ignored and no responding email or call. Today XX/XX/XXXX, I search the case online ( attachment is dismissed court filing ) to see when and what date the case dismissed ; the case was dismissed on XX/XX/XXXX with proof of the filing from the court. That means within 21 days, the lawyer already knew the case was dismissed but he never told us and still lied to us that he was still preparing for the trail. After the law firm charges {$5000.00} on XX/XX/XXXX, he told us on XX/XX/XXXX cases dismissed, we got scam this {$5000.00} again by this law firm. The law firm was dishonest and scam, since we paid {$30000.00} as he promised on the agreement to do based on the agreement, none of them he provides and performs to the client. We explained to Citi why the reason we disputed, as Citi must understand the reason we disputed the credit card. But the Citi was very rude and dont let the client explain. The city disputed dept said they dont need to know. Its very disappointing as the credit card provider was treat very unfair and no professional.
I am seeking to help upper management Citi to re-open disputed the case. If you need any additional information, please let me know. Thank you
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| 10/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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|
Web |
Older American, Servicemember |
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After years of accepting only XXXX XXXX XXXX, XXXX shifted several years ago to accepting only XXXX. In conjunction with the shift, In conjunction with the shift, CitiBank offered a " XXXX XXXX XXXX Card '' account to all XXXX XXXX XXXX Customers.
I refused the offer to open a CitiBank VISA account because I was satisfied with a XXXX account from another offeror.
In XXXX XXXX, I was surprised to receive a new CitiBank VISA card in the mail. I shredded the card and did not activate it.
Several days later, I received a CitiBank VISA statement in the mail showing a {$60.00} charge for renewal of my XXXX membership. When I visited XXXX, I was told that my instructions for automatic membership renewals charged to my ( now cancelled ) XXXX XXXX card had been transferred to the CitiBank VISA account that had been opened in my name.
I want to be perfectly clear about my relationship with CitiBank.
( 1 ) I never agreed to open a CitiBank VISA account. The account opened in my name was fraudulently opened without my consent.
( 2 ) I never consented to renew my XXXX membership by charging the fee to a ( fraudulently opened ) CitiBank VISA account.
I called CitiBank Customer Service in XXXX and stated that I disputed the fraudulent charge to a fraudulent account. I asked them to cancel the card and reverse the charge to XXXX. When I visited XXXX 5 days later, their Customer Service desk told me that the charge had not been reversed by CitiBank. They told me to monitor my membership online to see when CitiBank reversed the charge. They also told me that my complaint was one that they received frequently.
I was away from home from XXXX XXXX XXXX. On the morning of XXXX XXXX, as I sorted through mail that had been delivered in my absence, I found a CitiBank statement for a billing period ending XXXX XXXX was delivered to my home earlier this month while I was travelling. It showed an unpaid balance of {$60.00} PLUS a late payment fee of {$25.00} and interest of {$0.00} Before I could deal with the statement, I received a debt collection telephone call.
When I called CitiBank Customer Service, I learned that the account had been closed as a result of my XXXX call. However, the charge for the XXXX membership renewal had not been reversed as I requested, thus leaving an unpaid balance on the account which let " the computer '' to assess a late fee and interest. When I explained my situation, the Customer Service Rep agreed to waive the late fee and interest charges.
I made an online payment of {$60.00} to CitiBank today to close out this issue but my payment does not change the following facts.
( 1 ) CitiBank opened an account in my name without my consent.
( 2 ) My authorization to to XXXX to charge my membership renewal to an XXXX XXXX account should have lapsed when the XXXX XXXX account was closed. I never authorized automatic membership renewals charged to a CitiBank VISA card. Nevertheless, membership renewal was charged to CitiBank VISA without my consent.
( 3 ) When I advised CitiBank VISA of this situation in XXXX, they closed the account as I had requested but they did not reverse the XXXX membership renewal charge to the fraudulent VISA account as I had requested. Instead, they sent me a notice of an account past due and assessed both a late fee and interest.
( 4 ) XXXX Customer Service representatives in XXXX told me that they frequently receive complaints of this situation.
|
| 08/13/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
To whom it may concern : We are XXXX ( Solicitor in XXXX ) Lawyer 's office named XXXX XXXX XXXX in XXXX, XXXX. Please visit our website to know more about us at XXXX XXXX XXXX I'm one of the staffers of the office. My name is Mr. XXXX XXXX. I'm in charge of overseas matters.
I'm writing this inquiry to you on behalf of our office 's representative Mr. XXXX XXXX. He is a qualified XXXX XXXX certified by the Minister of Justice in XXXX.
One of our male clients has requested us to close a bank account of Citibank ( XXXX XXXX Texas ). The account holder is his oldest daughter who has already passed away. So we would like to know whether you could help us close the bank account and transfer the money to the designated bank account in XXXX.
Here is the thing. The male client, MrXXXX XXXX XXXX, is a father of his decedent oldest daughter, Ms. XXXX XXXX, who is also the account holder. Along with her death, we have started the inheritance procedure for her. Since the decedent Ms. XXXX XXXX is a XXXX nationality, her heirs shall be determined in accordance with XXXX Civil Code. And now, the XXXX family court has ordered Mr. XXXX XXXX of her father to acquire her bank account as her heir.
What I mentioned above has already seemed to been transmitted to Mr. XXXX XXXX of Branch and Client Services who is charge of this matter in Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX because I have already sent a couple of letters to him and received summary portion of the statement of the account owned by the decedent Ms. XXXX XXXX.
I have asked Mr. XXXX XXXX a couple of times in my letters to close the bank account owned by the decedent Ms. XXXX XXXX, but no contact I received from him no matter how long I had waited for. So I have tried calling the customer service center a couple of times, but the operator just kept insisting that they didnt know how to close customers account.
So Mr. XXXX XXXX is very much concerned whether the closure of his decedent daughters account can be really realized and often asks us the state of progress via email. However, we are at a loss to be able to answer nothing because no information is available from Mr. XXXX XXXX just send us summary portion of the statement.
Mr. XXXX XXXX says in his letter that Mr. XXXX XXXX should call XXXX Customer Service, but I dont think he can do because of time difference between the U.S. and XXXX. That forces Mr. XXXX XXXX who is in his late XXXX to sit up late during the night to call CitiPhone Customer Service that can be just a burden on him.
Mr. XXXX XXXX do wants to close his daughters account as soon as possible and transfer the money to the designated bank account in XXXX.
We would really like you to help us realize his request.
For your reference, please find the attached copies of a letter from Mr. XXXX XXXX, certified family register of XXXX family and its English translation, originals of the latest summary portion of the statement from XX/XX/XXXX to XX/XX/XXXX as PDF files sent from Mr. XXXX XXXX to me and copies of Adjudication Cases Regarding the Division of Estate or Petition Case For Division of Inherited Property Adjudication issued by the XXXX Family Court XXXX branch in XXXX on XX/XX/XXXX. The XXXX Family Court XXXX branch has jurisdiction in which there was a probate proceeding over the decedent that determined the heirs of the decedent.
We look forward to your reply soon.
Sincerely, XXXX XXXX
|
| 05/14/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
This complaint is with Citi Bank. The address on the account is my parent 's address ( XXXX XXXX XXXX XXXX XXXX, PA ). I live in XXXX XXXX, MD. On XX/XX/XXXX, I opened a Citi Accelerated Savings account on line and deposited {$88000.00} from my XXXX XXXX account. I decided to open the account with Citi because the interest rate was higher than XXXX. On XX/XX/XXXX there was a returned check on {$88000.00} due to a micro deposit concern. Citi also charged me a {$12.00} fee for the returned check. On XX/XX/XXXX Citi refunded me the {$12.00} for the returned check fee. On XX/XX/XXXX, I deposited {$110000.00} so I can open the account. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I added more funds to my account. In mid XXXX I could no longer access my account on Citi 's website. I spoke to a representative from Citi and they told me my account is under review and under investigation from the Fraud Department, and my account is in the close out process. I asked why and Citi told me I would know from reading the letter. Citi even called XXXX XXXX with me on the phone to verify that the money was mine.
XXXX XXXX told Citi that it was my money. Additionally, Citi froze my funds so I could not get my money out of my account. Citi told me I would get a letter with the details. It has been 4 months and I never received such a letter. I called Citi repeatedly since XX/XX/XXXX and they tell me to wait for the letter. Again it has been over 4 months. Everytime I ask Citi they tell me to wait for the letter. They give me the same information every time and I get no where. They are brushing me off. I have a lot of stress due to not getting my money and how I am treated. In XXXX I lost out on a house closure because I could not get my money. All I want is my money and the amount as of XX/XX/XXXX is {$120000.00}. On XX/XX/XXXX my money was no longer in my account. {$120000.00} was withdrawed by Citi and I have not received a check for the funds. I wonder what they did with my money for approximately one month. On XX/XX/XXXX I got a letter in the form of an email from Citi. In the letter it states that Citi rescinded the closure of my account and that my account is in a normal status and the funds have been credited back to my account. On XX/XX/XXXX I received a new debit card in the mail. I tried to activate my card and register on line as well. I was on the phone with Citi for an hour and 46 minutes. They told me the letter is wrong, it was sent out in error and I would get a check by mail. I wanted to speak to someone about this and they rep. said the department, which is the returned check department, would not speak to me. The representative said I am relaying a message to you and that is I will get a check in the mail and my account will never be opened. They told me about getting a letter for 4 months and I am asking you for help because I have never received the letter Citi is talking about with a check. I am being treated unfairly. I never got an apology from Citi. All I want is my {$120000.00} that is due me from my savings account that Citi closed. I have worked for XXXX for over 35 years in an XXXX capacity and this is my hard earned money I saved from my working for all of those years. Please help me. I trust that you will. I have enclosed the letter I was referring to and screen shots of my bank statement regarding these transactions. Thank you kindly for your assistance and your understanding.
|
| 05/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
This complaint is concerning CitiMortgage originating a loan based on inaccurate information provided in an appraisal report that was produced by XXXX XXXX of XXXX Appraisals ( XXXX ). These factual errors impact the assessed value of the home. The errors are as follows : wrong neighborhood listed, incorrect number of bedrooms and incorrect number of bathrooms. Report contains unflattering pictures of the inside of the home. CitiMortgage had roughly 3 weeks to have the factual errors corrected prior to originating the loan however CitiMortgage chose not to have the appraisal report corrected. The loan was originated on XX/XX/XXXX and the appraisal report was made available to me on XX/XX/XXXX through the XXXX portal. The following is a chronology of events : XX/XX/XXXX Informed XXXX XXXX XXXX that appraisal report contained an inaccuracy.
XX/XX/XXXX - Sent e-mail to XXXX XXXX of XXXX Appraisals re : the inaccuracies that are contained within the report.
XX/XX/XXXX XXXX XXXX XXXX responded to my e-mail stating that the appraiser will make the corrections and issue a new appraisal report.
XX/XX/XXXX Sent second e-mail to appraiser informing him that there are two additional errors that are contained within the appraisal report.
XX/XX/XXXX - XXXX responded to e-mail stating that I need to go through the lender/appraisal management company.
XX/XX/XXXX I responded to XXXX e-mail inquiring as to who is the appraisal management company. XXXX responded via e-mail that the lender can make the request.
XX/XX/XXXX Sent e-mail to XXXX XXXX XXXX XXXX, CitiMortgage loan originator, of the inaccuracies contained within the Appraisal Report.
XX/XX/XXXX XXXX XXXX XXXXXXXX responded to e-mail stating that I have to contact my XXXX loan officer/counselor re : an appraisal appeal.
XX/XX/XXXX Contacted XXXX Mortgage Consultant re : appraisal appeal form XX/XX/XXXX I responded to XXXX XXXX XXXXXXXX e-mail stating that I am requesting to have the factual errors corrected on the appraisal report that were made by the Lenders appraiser. I requested that XXXX XXXX XXXXXXXX explain why XXXX would not have the appraiser correct the errors. XXXX XXXXXXXX XXXX never responded to my e-mail.
XX/XX/XXXX Provided detailed explanation of the factual errors that the appraisal report contains to XXXX Mortgage Consultant via e-mail.
XX/XX/XXXX Appraisal report with a postmark date of XX/XX/XXXX was sent to me in an unsealed envelop exposing PII related to me.
XX/XX/XXXX XXXX XXXX XXXX forwarded the information to her appraisal team for review. Was informed that the process can take up to ten days for resolution.
XX/XX/XXXX Sent follow-up e-mail to XXXX XXXX XXXX re : an update on the appraisal appeal.
XX/XX/XXXX Sent second follow-up request to XXXX XXXX XXXX re : an update on the appraisal appeal.
XX/XX/XXXX XXXX Mortgage Consultant responded that she sent a follow-up request to her Closing Team and Appraisal Dispute Team. I was ccd on the e-mail to both teams.
XX/XX/XXXX Sent follow-up e-mail to XXXX XXXX XXXX and the Appraisal Disputes Team.
XXXX XXXX XXXX XXXX responded asking did I contact the servicing team at CitiMortgage directly.
XX/XX/XXXX I responded that I contacted XXXX XXXX XXXX XXXXXXXX at CitiMortgage and that he directed me to XXXX.
XX/XX/XXXX CitiMortgage has yet to correct the factual errors contained within the appraisal report. XXXX Appraisal Disputes Team has yet to address the issue.
|
| 08/05/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
hello I am complaining about the credit card debt collector company XXXX XXXX XXXX attorneys at law, they garnished my wages from my check, with out letting me know or even contacting me. so I become aware when I check my bank account and noticed that I was short on my pay check so I call my employer up that is XXXX XXXX they informed a creditor card debt collector has garnished my wages from my check. I begin to receive letter from my employer that XXXX XXXX XXXX are the responsible party, so I contact XXXX XXXX XXXX , to make a negotiation because I ca n't afford the amount of what they are taken from my paycheck, so how I am supposed to live everything 's food and rent car payment is high as well I got family. I talked to their account manager XXXX XXXX and another person I forgot her name, but they both began to be surprised, when I told them that I lived in the state of Texas for 7 year already, then they told me that they do n't do any business to any resident in the state of Texas, they thought I lived in Washington state. after that they told me they will relinquish the debt collection and will inform XXXX credit card company ( Citibank south Dakota ) that they can not do collection on me because Texas is not their jurisdiction of operation. At this time after I may contacted with adp wages department of XXXX XXXX XXXX , telling them I made contact with the debt collector that they will send paper work to not take wager from my paycheck. is still a progress the debt collector informed me that it will take 9 day for them to do the paper work to forward it to the adp wage department of XXXX XXXX XXXX . finally I begin to make contact with the texas bar lawyer association they informed me that I can do a complaint with the FTC.gov as well they told me that the state of Texas has a restricted law on debt collector ability to garnish wages from pay check in relation ship to credit card debt.
here is what the law of Texas informed me " Your home and wages : Some collectors will threaten to take your home or wages to pay for a debt. In Texas, if your residence has been declared a homestead, it can not be taken to pay a debt except for debts taken for the purchase of the home ( ie, a mortgage in default ), for home improvements, for home equity loans or to pay certain taxes. Wages may be garnished only to pay debts related to court-ordered child support, back taxes, and defaulted student loans. Debt collectors can not garnish wages for repayment of consumer debt.
" also I learned the status of limitation for debt collection is 4 year in Texas and in Washington is 6 year, debt incursion was in XX/XX/XXXX and XX/XX/XXXX , so I way pass the status of limitation for both state. What really crooked about the XXXX XXXX XXXX is that they file a sue against me in a state that I do n't live in or ca n't appear in the court and speak for me to defend my self. Further more I did n't get any notification at all. So is a one side relationship that they are always win and no one can object to anythings they said, is very unfair and is not right by common law. I also attached document picture from the Debt collector as well the Document picture from the internet related to the Garnishment law of Texas and status of limitation for debt collectors also a paycheck stub to show the credit card debt collector garnished my wages. Again thank you
|
| 11/29/2016 |
Yes |
|
|
|
Web |
|
|
This past Spring/Summer I started receiving notices from XXXX that they were going to be transitioning from XXXX ( which I am a cardholder of a XXXX ), to a XXXX Citibank card. I decided I would not 'opt in ' to make the transition, as I do not care to do business with Citibank XXXX and I certainly do not want another credit card. I want to say that the notices were so many, they started becoming a nuisance and easier to disregard than actually acknowledge.
Soon, I started receiving mailings from Citibank, but because I did n't have a business association, I disregarded them as credit card offers and set them aside in the shred bin. Finally I realized XXXX of the mailings was actually Citibank issued cards, not just the fake cards that are sometimes mailed out with an offer. Then as I sorted back through the mailings, I realized they were actually statements because the account was charged for a XXXX membership renewal, and by this time, had accrued late fees. This week, I received a letter from Citibank, delivered by XXXX, offering a 'payment option '. At this point, I am well beyond frustrated, and concerned all of this will have a negative effect on my credit report.
XXXX how to deal with the situation, I called the Consumer Financial Protection Bureau for assistance. I was advised that XXXX does have the right to sell and transfer my account to another party, without my consent. I do not have a balance on my XXXX, and have n't in probably over a year. So in my opinion, there was nothing to transfer. My frustration just keeps increasing. I was asked by the CFPB representative what resolution I was looking for, and it would be : XXXX. ) For the charges to the account to be reversed, with the account being brought to a zero balance, XXXX. ) The account to be cancelled, and XXXX. ) Absolutely no effect on my credit report/rating In my opinion, not XXXX part of this was consumer friendly. There should be other options for a business such as XXXX to transition to a new credit card company they choose to work with that puts the consumer first. For example, the ability to opt-in, not just an automatic transfer. In my case, I would have chosen to opt-out, but do not feel it was offered, unless it was buried in XXXX of the multiple mailings. Just because XXXX and Citibank have the understanding that they can transfer the account, does n't mean they clearly communicated that to the consumer. So, notices that highlights the fact that there currently is no option to opt in or out, instead of blasting customers with multiple, repetitive mailings that are general in nature.
Speaking of the mailings, I believe they should be reduced to maybe XXXX or XXXX. XXXX to say the changes that are coming up, XXXX that confirms all the facts just before the change happens, and XXXX to confirm the change. Even the notices from Citibank looked like the average credit card offer that I am not interested in. They were very easy to disregard.
In my opinion, there should be XXXX options : XXXX. Sign a form consenting to make a change to Citibank, transferring an XXXX balance, if that applies XXXX. To keep your existing XXXX account as-is, understanding it will no longer be associated with XXXX, or to XXXX. Opt-out completely, with no transfer to Citibank, cancel your XXXX, and if there is a balance on your XXXX card, pay it in full to close the account.
Thank you for your assistance. I look forward to your reply.
|
| 06/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX, Debt collector own by foreign companies, Non-citizens don't share all the rights of citizens under the XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXX. XXXX, VA XXXX They're subject to immigration law, under which the executive branch has broad authority to determine whether it wants them in the country or not. And until they've passed through immigration control.XXXX XXXX XXXX XXXX. Right to privacy is being violated.freedom of thought and conscience, I feel i am being discriminated against. This Discrimination that violates Title VII of the Civil Rights Act of 1964, the Age Discrimination in Employment Act of 1967, ( ADEA ), and the Americans with Disabilities Act of 1990, ( ADA ). Harassment in the dictionary is described as aggressive pressure or intimidation. This company is allowed to behave any way it desire and Nothing is done about it. The right of the people to be secure in their persons, houses, Harassment is unwelcome conduct that is based on race, color, religion, sex ( including pregnancy ), national origin, age ( XXXX or older ), disability or genetic information.Apply illegal pressure to collect a bill. Questions over personal jurisdiction over foreign operating with in the United States. Action impairing a person from benefiting their rights, arise when foreign nationals commit crimes against XXXX American against are unreasonable. XXXX, " being harassed '', demands, personal peace and privacy is being invaded repeatedly. Persistently and wrongfully to annoying, offensive, without cause pressured continue to annoy or upset someone over a period of time : and are using the court system to intimidate, it's identity Theft victims. This wrong to continue to torment the XXXX, senior citizens upset them over and over again with questionable tactics. Demands for money that is not owed by any means. In the legal sense, these are behaviors that appear to be disturbing, upsetting or threatening. Harassment is unwanted, unwelcomed and uninvited behavior that demeans, threatens or offends the victim and results in a hostile environment for the victim. They don't seem to believe that a person have the right to say no. This is not my Debt. Fair Debt Collection Practices Act ( FDCPA ) and Association and contract to do things not unlawful, including practice of a trauma and harassment profession to stop. Status that entails specific rights, duties, and benefits. U.S. citizenship is usually acquired by birth when a child is born in the territory of the United States. The right to peace. A draft declaration on the right to peace prepared by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX will underwrite progressive negotiations aimed at achieving a United Nations Declaration on the right to peace. There are several recorded instances where consumers have tried to stop debt collection related harassment, including phone calls from XXXX XXXX XXXX or XXXX, by bringing lawsuits upon the company. Debt Harassment complaint is a form of torment. Reporting falsely because they are a debt collection company not a factoring company. XXXX XXXX XXXX or XXXX, by bringing lawsuits, There seems to be no limit. including phone calls from XXXX XXXX XXXX or XXXX, by bringing lawsuits. XX/XX/XXXX I was sued for over {$2000.00} for a Debt i didn't owe. From XXXX XX/XX/XXXX. I didn't owe sears {$2000.00}. % XXXX Sued under different name by XXXX XXXX XXXX XXXX XXXX When will they stop!
|
| 12/03/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/19 I visited Macy 's fine jewelry dept at XXXX XXXX, XXXX, GA. I selected a pair of gold earrings to purchase at their " PRESALE EVENT ''. ( This is where you select merchandise, Macy 's rings it up and holds the charge on your Macy 's card until you pick up the merchandise at a later date, in this case, XX/XX/19. ) The problem is, I never picked up the item. Still, even though I didn't pick up the earrings, Macy 's billed my store credit card on Monday XX/XX/19 for the amount of {$260.00} plus interest each month.
I continued to pay at least the minimum payment due on my bill online each month.
I performed an audit of my account a few months later and realized I was billed for merchandise not received.
According to the cardholder agreement to dispute a charge : I have 6 months from the date of purchase to fine a dispute ( WHICH I DID / see attached billing dispute confirmation, dated XX/XX/19 ) The purchase must be made in my home state within 100 miles of my mailing address and the purchase must be more than {$50.00}. ( WHICH IT WAS ) You must use your credit card for the purchase ( WHICH I DID ) You must not yet have fully paid for the purchase ( WHICH I HAVE NOT ) I assumed this would be a simple dispute and would be credited promptly.
Certainly Macy 's has cameras all over the Fine Jewelry department and neither I nor anyone I know picked up the merchandise on my behalf.
This has been a colossal headache to deal with Macy 's. First of all, I was told when I originally made the dispute that it could take up to 60 days or 2 billing cycles to resolve my dispute. I never heard another thing about my dispute. I called Macy 's customer service twice for updates and got nowhere. They then said they would need an extension and my dispute would be resolved withing another 30 days ( 90 total ). I finally received the completed investigation results, dated XX/XX/19 where they declined to credit me for the dispute for the following reason : " We've conducted our investigation using the information that you provided about the dispute. With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor. '' This is a canned declination letter. I do not believe any investigation was performed. They did not ask me for anything to aid in their " investigation ''. Furthermore, they certainly have cameras in Fine Jewelry and like any sophisticated retailer, they would have the capacity to view footage and prove that no one received this merchandise.
It is my belief that these " PRESALE EVENTS '' are unethical and should be unlawful as it provides no real benefit to the consumer. You have to pay with your credit card and can not leave the store with the merchandise. How is this legal? This event will only serve to benefit the retailer as highlighted by my claim. How many consumers get charged in this scam and do not report? They should have safeguards in place where the consumer does not get charged when merchandise is not picked up. The burden of proof that merchandise is received should be on the retailer in this scenario. Do they not require a signature to pickup the merchandise? If they do, they do not have my signature for this pickup because I never received the goods.
See attachments : 1 ) Original Pre Sale Reciept, dated XX/XX/19 2 ) Confirmation of Billing Dispute, dated XX/XX/19 3 ) Dispute Resolution - DECLINATION Letter, dated XX/XX/19
|
| 06/11/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
In XXXX XXXX I lost the majority of my business and my income decreased by 75 %. I approached company CitiMortgage and informed them that I would not be able to make payments. They offered possible solutions including Modification and I agreed to begin the process in XXXX XXXX. From XXXX XXXX until XXXX XXXX I kept sending and re-sending the documents they requested and finally was approved. I was put on 90 days of trial payments beginning XXXX XXXX, XXXX. I had to call CitiMortgage on XXXX XXXX to remind them to take the agreed payment. For the next XXXX months I made my agreed to payments on time. At the end of the trial period I was told I would receive final documents, Those documents never arrived until XXXX. When I called to inquire I was told I was assigned to a new support specialist. Upon receipt of the documents I was to sign along with my wife, who was not listed on the mortgage but was required to sign because of the marital property laws. We signed had them notarized and returned them and soon was contacted and told that XXXX the documents required both signatures but did not indicate such. I was told by the support specialist I would need to complete the entire process again, re-sign and notarize an entire new set of documents. I faxed them the document in question and heard nothing. I had made all of my payments through XXXX and quit the payments until they cleared up the document issue. I was notified that I had been assigned to a new support specialist ( the XXXX XXXX ) and never heard from the person. In XXXX XXXX I found out that CitiMortgage had filed a Foreclosure judgment against me. When I contacted the support specialist he confirmed the filing and I told him I did n't want foreclosure. He suggested we re-open the file and I began the process of submitting all the required documents, as I did in XXXX XXXX. I sent a registered letter to the CEO of CitiMortgage outlining the gross incompetency of the organization and this massive run around I had gone through. At the end of XXXX XXXX I was contacted by a support specialists from the executive response team. She said she could n't explain all that had happened but would look into the matter. Once a week for 3 weeks she called me and finally suggested that if I could make the XXXX payments she may be able to reinstate the modification. One week later was notified by e-mail I had a new specialists and to date I have never heard from him. In XXXX I received a call from XXXX at CitiMortgage he was calling to find out what was going on with my mortgage, I told the same story. He called the next week and said he would contact the person on the exec.response team and have him contact me, to date no contact. I have been contacted by yet another person at Citi asking me what is going on with my mortgage after explaining it all again she said she could n't explain this mix up but would look into the issue, that was two weeks ago and nothing since. I am now two years into trying to pay a mortgage and save my home and all this incompetency continues. I received a summons two weeks ago from the foreclosure attorneys giving me 30 days to pay {$130000.00}, I have answered the summons asking for a 60 day extension. I have more specifics, times, dates and people which I have not included in this statement. CitiMortgage has mishandled this beyond belief. This is a FHA mortgage with 8 years left ( out of XXXX ) and never a late payment.
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been disputing 2 incorrect credit report items that Citi Bank - Best Buy Credit card filed for me. The issue started when they didn't cancel a " membership '' that they were supposed to cancel for me back in XXXX of XXXX. The renovation of the membership showed up in my XX/XX/XXXX statement and I immediately called Best Buy / Citi and let them know the charge was incorrect since I didn't want to renew the annual membership and they agreed to remove the charge from my card. Because this was not a purchase or a charge I authorized I didn't pay the amount to them. The next month statement still had the charge but now it included late fees and interest. I proceeded to call them again and let them know that this was supposed to be corrected and it never did. They mentioned they will take care of it this month and apologized. For this reason I didn't pay the charges again. The third month the charge still showed up and the only thing they removed was the fees and interest for me. After this third time of calling them again they finally agreed and removed all the charged completely since once again this was not a purchase or a service I agreed on keeping. I thought everything was ok but after my credit was pulled I was made aware that the score dropped drastically due to Citi reporting a 30 and a 60 day non payment for their account. I immediately called Citi / Best Buy to dispute this and the people over the phone ( customer service ) filed the report and agreed with me after explaining this to them. They mentioned this could take up to 30 days to get fixed since they issue reports to the credit bureaus once a month. After the first month I received a letter from Citi / Best Buy saying that after investigation they decided to not remove the late payment reports without giving me a full explanation. I called them a second time thinking this was a mistake and the same thing happened, the person over the phone in customer service agreed with me but once again after 30 days I received a second letter saying they denied my request. At the same time I start disputing this account at XXXX and they report that Best Buy is denying the claim and is remaining in my report. I finally called a third time and elevate this as much as i could with the biggest rank supervisor available who agrees with my claim ( for the third time ) and explains to me that there is a second filter that evaluates the disputes and come with the final determinations so that was the reason why my 2 previous disputes were denied. During this 3rd dispute the supervisor put a lot more detail on the explanation and promised me they would fix this. This time I received a third letter saying that " the account is no longer in dispute '' and they requested to delete the account in dispute from my credit report. After talking one more time with XXXX they told me they didnt remove the late payments since the letter just mention to delete the dispute note only.
This has been extremely frustrating and it has been an issue that is affecting my personal economy and my recently created XXXX. Due to my XXXX I depend on credit lines and loans to keep it on float and for the last 8 months they have been denying personal and XXXX credit lines since they are both tied to my personal credit record that has always been fantastic up to this issue with Citi.
I really need help from you to get this clarified for good.
Thanks XXXX XXXX.
|
| 10/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American, Servicemember |
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Citigroup FROZE ALL my accounts from XX/XX/XXXX-XX/XX/2018 at end of business day unfroze them. I was unable to withdraw, transfer money, get cash or pay bills. This action included brokerage accounts and savings, checking accounts. I live on these accounts as I am retired and personally appear in the Branch at XXXX XXXX XXXX XXXX, XXXX XXXX, N.Y. XXXX, tel. # XXXX XXXX XXXX, several times a month for banking or brokerage business and speak to XXXX XXXX , XXXX XXXX and XXXX XXXX.
During XX/XX/2018, I personally spoke to these people several times on account matters in similar fashion as I have for years. In fact, on Friday XX/XX/2018 I received a cell call from XXXX XXXX while in XXXX, R.I. and we had a pleasant conversation over nothing particular and I went on with my trip.
XX/XX/XXXX in early afternoon, I needed some cash and went to my bank ATM and could not get access to ANY account. I went into the branch and waited to speak to XXXX XXXX the Citigold rel. Manager. Several people were ahead of me so I waited. Maybe close to an hour later she spoke to me and told me 100 other people in the branch had the same thing done. XXXX was working on it to fix it. I went home and got a debit card from another bank where I keep a small amount of funds. I returned to the ATM got funds. This took me about 2 1/2 hours.
Friday XX/XX/XXXX I returned to bank found all accounts still frozen. This time I spoke to Branch Manager ( new person and do not know name ) and XXXX. In front of branch manager, XXXX said that XXXX was working on it and accounts would be unfrozen by XXXX that day. I relied on her statement and left. Saturday about XXXX I went to bank ATM for cash and found accounts still frozen. Called XXXX found out accounts frozen since XX/XX/XXXX and she would call the necessary people to correct, this action took almost XXXX hour. No change. Sunday I realized I would need access to the frozen funds for normal bill payments/cash in about 3 days. As a retired lawyer, I started to prepare an Order to Show Cause for a judge to immediately release my accounts so I could pay bills without borrowing money or defaulting. I worked on it about 5 hours on Sunday. XXXX, XXXX called Tuesday morning said accounts would be unfroze by close of business on Tuesday. Accounts were unfrozen.
My wife found a letter ( attached ) from Citigroup received by her in mid XX/XX/XXXX. saying she needed to give bank financial info and speak to bank employees or brokerage accounts might be affected. We were not planning any brokerage actions and bank personal had not asked any questions of us for more info. In small print on rear it said failure to give this info could cause banking accounts to be affected. I personally spoke to these people many times in XX/XX/XXXX. and no particular questions.
1. Never received notice about banking accounts frozen until discovered the day after.
2. Citibank deliberately allowed this error to not be corrected for 8 days. This allowed bank employees to enjoy the 3 day XXXX XXXX weekend while I was not. It is not believable this action could not have been corrected earlier. Citi did not want to do it!
3.Bank Manager on Friday XX/XX/2018 did not follow up and allowed bank employees to enjoy a 3 day weekend and me to suffer including the 100 or so other people from the same branch.
4. How many other people had this irresponsible lack of action and causing extreme emotional stress?
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| 08/30/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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On XX/XX/XXXX, I received an email from my landlords that the rent check ( {$3000.00} ) that I sent from my Citibank online paper check bill pay system had been " returned unpaid '' by their bank, and that as a result, I needed to pay both my rent amount as well as an additional {$170.00} " bad check '' fee. When I called Citi to look into the issue, the agent informed me that from their end, the check was in an " open '' status, implying that no attempt to claim the funds had been made. I contacted my landlord again and they reiterated that their bank ( XXXX XXXX ) returned the check unpaid and clawed back the funds from their account. I made a new payment through XXXX to my landlords for {$3100.00} from my savings account to square away my rent, then re-contacted Citi to try and resolve the issue. I was once again told that the check was still " open '' ; I requested that if it is still open, to stop payment on it so that I could get back the {$3000.00} funds that had been debited from my account on XX/XX/XXXX in order to create the check. I further requested that Citi reimburse the {$170.00} that I incurred since this check error was out of my hands once I submitted the payment online.
The agent told me that she put in a request for the stop payment and that she would " note down '' the request for the {$170.00} reimbursement, and that the funds should reappear in my account after a couple of business days. On XX/XX/XXXX, I received a credit in my checking account for {$3000.00}. The same day, I also received an email from my landlords, stating : " just got off the phone with XXXX XXXX Business Accounts ( for about an hour and multiple levels of support staff ) and they explained to me the issue with the check your bank had sent us. Unfortunately, it was due to the check having a bad routing number so this means that we can no longer accept your bill pay checks in the future. '' On XX/XX/XXXX, I called Citi again with my reference number to ask about the status of the {$170.00} fee, and to inform them that the original check itself had a bad routing number. The new agent that I spoke with saw no mention of the fee, and avoided talking about the routing number, and just said that they see that I had already been reimbursed {$3000.00}. They then informed me that they would put in a new request for the fee reimbursement, and that I would receive some communication in the next XXXX business days explaining their investigation.
On XX/XX/XXXX and XX/XX/XXXX, I called again, each time noting that I had not received the {$170.00} fee reimbursement, nor had I received any letters or communication from Citi to follow up on my case ( after they claimed that they had sent the correspondence ). In the XX/XX/XXXX call, I specifically requested a photocopy of the check that was sent, in hope of proof that the routing number was incorrect.
Last night ( XX/XX/XXXX ), I received a letter in the mail from Citibank, dated on XX/XX/XXXX, that says " As you requested, on XX/XX/XXXX, a stop payment was placed on the bill payment check issued to , these funds were credited back to your Checking account ending in # # # #. Therefore a photocopy of this item is not available. '' It has now been a month since the original issue ; I still have not received reimbursement for the fee, and I now have to find a new bank or method of bill pay as my landlords refuse to take the Citi billpay checks.
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| 11/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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I am writing to appeal the decision made by Citicards that determined two charges I made on XX/XX/2019 for {$290.00} and {$200.00} to XXXX XXXX to be valid. This is an outrage and I would have written sooner had I not been so dismayed and angry when I received the news.
This is even more upsetting because only within the past three weeks, I heard a best friend in Maine and my cousins husband in Texas were scammed in the very same way.
Here is a detailed explanation of what took place.
On XX/XX/XXXX, I was doing a XXXX search ( for soap factories in XXXX in the late 1800s ) when suddenly my computer froze, a screeching, beeping sound commenced, a drop down screen appeared instructing me to call the 888 number provided to reach XXXX XXXX, and a digital voice announced that my computer was in need of technical assistance and I needed to call the 888 number immediately. My first reaction was to try to shut down my computer but I could not move the mouse. My heart beat raced and felt as if it was going to explode out of my chest. Not knowing what else to do, I called the 888 number. A kind voiced XXXX answered. I explained what had just happened and he promised to help me but in order to do so, he would put me in touch with tech support. The tech person introduced himself and explained I would need to purchase some software to help him remove the problem. This required me using my credit card for a purchase of {$290.00} and included a one-year service contract. I was still so upset and my heart was still racing that it took me several attempts to get the charge approved and processed. I then had to give my permission for the tech to take over my computer to search for the maleware, which I allowed him to do. Four hours later, he declared the problem was fixed, but then he pass me on to another tech rep.
This man was extremely aggressive. He explained I still have numerous vulnerabilities and would need to purchase additional software for over {$500.00}. Because in my gut, I knew this was a scam, I stated firmly that I wasnt going to spend any more money. At this point, he became belligerent, pressuring me with the why and how I was going to have the same thing happen again. I again said I wasnt going to spend more money, and that I didnt really know who he was. He shouted, Well, I dont know who you are! However, I was tired, noexhausted by the strain of having dealt with this situation that when he offered me a deal, I agreed. They would reduce the price of this additional software and throw in another year on my service contract, all for only another {$200.00}. Once again, it took several attempts to get this transaction approved. At least I had my computer back.
Shortly afterwards, I posted the whole situation on XXXX, and a friend of one of my friends wrote : Take a deep breath, XXXX, but youve been scammed. This woman, who owns a professional XXXX service company, came to my home several days later to really clean my hard drive and explain how I had been had. Meanwhile, the so called service company calls my cell phone 8 10 times a day, every half hour, leaving a robo message. So they have continued to harass me, nearly ever day, for the past two months. Naturally, I dont answer those calls.
Summary of my complaint : despite my declaration to MasterCard that I approved these two purchases under duress, they found the charges valid, and I was forced to pay the {$500.00}.
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| 08/03/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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On XXXX XXXX I logged in on the internet to pay my 2nd mortgage with Citifinancial of XXXX which is due on XXXX XXXX. Once logged in I received a pop-up alert below : ALERT Your account is past due. Please contact your Center, a CitiFinancial Center representative will be happy to assist you in finding a workable payment solution.
I automatically panicked with this alert because I knew my account was n't delinquent but whenever I have a problem with them it seems like their customer service is terrible and they always try to make the customer wrong and it justs really gets me stressed. For instance, I had a problem with them before a while back in which I logged into my account online and made a payment and checked my checking account and found out that there where XXXX payments taken out of my account. I immediately called them and the rep immediately denied that they had taken out the XXXX payment and showed only one payment and said that I needed to get a hold of my bank about this. Basically blaming the bank. So I called my bank and got the XXXX payment stopped and then all of a sudden several months later I received a gift card from Citifinancial apologizing for taking out the XXXX payment after they said it was n't their fault.
So once I saw this your account is past due alert I started thinking here we go again and now what have they done. I went on and made my payment online for the XXXX of XXXX and keep in mind it is n't due to the XXXX and then called the number XXXX which suppose to be for account questions and talk to a rep that told me I needed to call the local branch where I was located. I do n't recall having to do that before and once I called the local branch I was told that they do n't have my account and I need to call the XXXX again. Here we go another fun time with CitiFinancial. This time, I talk to another rep who verified that my account was n't delinquent which I already knew but he preceded to tell me that it is normal to get your account is pass due alerts from companies when they are not yet due because he gets them from his bills. So that 's when I knew that I was n't going to get anywhere with this rep because it was obvious he did n't have any idea what he was talking about. You might get emails or alerts that say your account is almost due but you should n't get alerts that your account is past due unless it is pass due. So I told him I wanted to speak to a supervisor because like I said they always want to make the customer wrong. I ended up getting another rep asking me to verify myself when I had already done this twice and should have been forwarded to a supervisor. I will admit that this rep was more helpful and understanding and did get me over to the supervisor. To make a long story short I had to send my account info over to the supervisor 's email and she was going to check my account and get back with me on this alert. I received an email from the supervisor verifying that there is n't anything wrong with my account and it was a error however as of XXXX/XXXX/2016 I am still seeing this alert past due popup when I log into my account. This is really frustrating to have to continue to see this and it makes no sense why that can not or have n't gotten this resolved. This company really has poor customer service. I sent another email today to the supervisor trying to find out when the alert will be removed and still waiting for a response.
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| 06/20/2016 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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I am filing a complaint against Citibank regarding my Savings XXXX account ( ending in XXXX ).
I check my online banking balances every day, and on XXXX XXXX, 2016 I noticed that the balance on my Citibank XXXX Plus account was {$490.00} which was {$4.00} short of the {$500.00} balance on my account the day before. I found this odd since according to Citibank online banking, there were no transactions posted or pending that took place to account for this {$4.00} difference. I sent a secure message to Citibank through online banking, and on XXXX XXXX, 2016 I received a reply back from a Citibank support representative " XXXX XXXX '' ( Reference : XXXX ) which said the following : " I would like to inform that Statement Savings Account ending in XXXX is enrolled in Basic Banking Account ( BBA ) package as standalone account which requires maintaining the average monthly balance of {$500.00} or more to avoid the monthly service fee of {$4.00}. The average monthly balance is calculated on balance of account and the monthly average is adding the daily balance of account for 30 days statement period and the total amount is divided by 30 ( days ) ; not ending balance on the account. Since you have n't maintained the monthly average balance of {$500.00} for the XXXX/XXXX/2016 to XXXX/XXXX/2016 statements cycle, your average balance was {$400.00}. so the service fee of {$4.00} was charged on the first business day of next statement cycle. '' I found this very surprising. For not even a second during the statement period of XXXX/XXXX/2016 to XXXX/XXXX/2016 was my balance in this account under {$500.00}. I had {$500.00} deposited and posted into my account on XXXX XXXX, 8 days before the start of the statement cycle. The only transactions during the statement cycle was a XXXX cent and XXXX cent deposit on the XXXX XXXX and later a XXXX cent withdrawal on XXXX XXXX. At no point during the statement cycle did the balance on my account dip below {$500.00} so I have no idea how Citibank calculated my average monthly balance to be " {$400.00}. '' I then called Citibank to clarify this matter on XXXX XXXX, and was connected to a Citibank supervisor " XXXX '' based in Texas. I spoke with her for almost an hour, and she was incredibly rude and unhelpful. When I complained to her about the irregularities in my account, she kept told me to refer to the terms and conditions. When I asked her to point out under where this {$4.00} charge would fall under in the Terms & Conditions for having an average monthly balance of over {$500.00} or how Citibank calculated my average monthly balance to be " {$400.00} '' she would leave me on hold for extended periods of time then tell me again to refer to the Terms & Conditions without explaining anything and eventually she hung up on my call.
I believe Citibank may be committing widespread financial fraud by fraudulently charging fees on their consumers. They are incorrectly charging monthly fees in violation of their own terms of service, and then hiding this fee by not even showing it as a transaction in their online banking website and simply taking the money out of the account. I doubt I am the only person affected by this, and Citibank may be systematically defrauding millions of Americans like me which is why I 'm imploring the CFPB to thoroughly investigate this matter. I am more than happy to provide account statements or any other documentation necessary.
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| 01/20/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Older American |
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ON XXXX XXXX XXXX my computer was hacked by scammer name XXXX XXXX # XXXX claiming he is from XXXX XXXX to clean computer due to corrupted defender. He can clean the computer for {$270.00} so I paid with credit card .Next day he called back that my computer was still on warranty so he will return my money back but in order to do that he said money coming from the company bitcoin wallet. I was sent a link to get the refund but when I input the amount of {$270.00} XXXX checked if amount was correct, I agreed when it was refunded it was too much it became {$27000.00} he could have added extra zero to the amount prior to sending it to my account. He said I have to return the extra money back to them I agreed. To do that he wanted wire transfer for {$26000.00} on XX/XX/XXXX to XXXX XXXX it was done case # XXXX .Next day he said money was denied by CITIBANK to recall money. It was done but I was unable to check online since the scammer locked my computer. XX/XX/XXXX another wire transfer done from XXXX XXXX to XXXX XXXX for {$25000.00} since he claimed no money was sent on the first wire. Next day XXXX scammer said the money did not go through again to recall the money I did it again, fraud line agent XXXX told me it takes 3 days to fund the transfer. On XX/XX/XXXX called fraud line another agent XXXX and XXXX to return the money back gave me case number XXXX. XXXX said the transfer was stopped no money was returned. on Another wire transfer done from CITIBANK for {$25000.00} to XXXX XXXX case # XXXX on XX/XX/XXXX sent and recalled it back same day since XXXX said no money was received again .This guy was manipulating all my accounts from two banks and took cash advance from XXXX XXXX credit for {$6000.00} by XXXX # XXXX XXXX on XX/XX/XXXX. All these transactions I was never informed by both banks what was going on. Same date XXXX demanded me to deposit cash money to XXXX machine for {$25000.00} to get their money back it was done .Another deposit done on XX/XX/XXXX since he claimed the machine was jammed that money was returned by IRS that I need to deposit another $ XXXX off set the jammed .Again on XX/XX/XXXX he still insist that money was not enough to deposit another {$10000.00} all these money went to their XXXX wallet address XXXX XXXX XXXX I was able to see online my account and found out all money was gone on both banks I called XXXX he denied scamming all the money .I then went CITIBANK to close my accounts and reported to fraud line about the it. Then I went to XXXX XXXX but the banker said I have to call the fraud line since he can not access my credit card transaction so I called fraud line to report the scam done XXXX responded on XX/XX/XXXX that the wire recall was no longer available funds already withdrawn and the receiver account was closed. XXXX XXXX responded on XX/XX/XXXX that they could not reverse the online transfer since either there is not enough funds in the account or it is closed XXXX XX/XX/XXXX XXXX I sent a dispute letter to both banks to investigate further this scammer and up to now no response XXXX have file a report to the local police about the fraud on XXXX the fraud to IDENTITY THEIF website and FBI on XX/XX/XXXX. Here is XXXX XXXX email address XXXX said he works with XXXX XXXX help line phone # XXXX or XXXX. Phone for XXXX wallet ta get XXXX code was XXXX. To send XXXX picture phone # XXXX. XXXX XXXX phone # XXXX .Thanks you.
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| 03/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made 4 different order transactions online purchases at XXXX on XXXX XXXX. They were is listed here ; first transaction for {$48.00} for jeans, second transaction for {$48.00} for jeans, third transaction for {$48.00} for jeans, and fourth transaction for {$48.00} for jeans. They were is listed here ; 1st transaction for {$48.00} for jeans, 2nd transaction for {$48.00} for jeans, 3rd transaction for {$48.00} for jeans, and 4th transaction for {$48.00} for jeans. On XX/XX/XXXX I returned three of the orders and on XX/XX/XXXX I returned the fourth order for the jeans at my local XXXX store and was given four separate receipts showing the returns and that they would be credited to my Citibank XXXX ending in XXXX for each of the returned orders. I have had to open a dispute with Citibank for each of these charges, because Citibank was not crediting the return credits that XXXX had sent to them. I have had to open a dispute with Citibank for each of these charges, because Citibank was not crediting the return credits that XXXX had sent to them. I have screenshot showing where Citibank notified me by text and notifications that XXXX in deed sent them the credits. However, Citibank was not posting the credits to my account so far three of the disputes have been resolved but now 1 has been reversed for {$48.00} and 1 of the disputes had been reopened and reversed twice. So now Citibank owes me for two of the disputed transactions. They keep giving me conditional credit and then reversing them Even though they have all the receipts that I have sent them showing proof that I am owed these credits for these returned merchandise. They just keep asking me to send them the same receipts that I sent to them previously but do nothing. They dont return phone calls and they are charging back to my credit card these reversed conditional credits that were given in the dispute process. They have given the conditional credits several times and reverse them several times, and are so confused as to what is going on they just keep making a mess of everything that no one can understand and the dispute department. I initially filed a complaint with CFPB and Citibank executive team about the one credit that I was missing and they promised that they saw the error that happened and would credit my account. I Believe they did this, just to get CFPB to close the case. And after it was closed, a conditional credit was given on a re-open dispute, but then reversed. Also, they have reversed another one of the disputes that I had for {$48.00} that was settled. I have contacted the city executive team several times and have been told that I would get a call back within 24 to 48 hours yet no one has called back since XX/XX/XXXX and today is XX/XX/XXXX and so i called again and they said the same thing. The analyst XXXX and XXXX handling my cases is never in and never returns phone calls. The executive team ofc at Citibank just likes to keep opening case numbers and taking messages but that is the extent of it. I have to keep opening disputes on returns in order to get my money back especially from retailers XXXX and XXXX XXXX. It is not these retailers fault as far as i can see because XXXX have Screenshots of where the credits are coming into Citibank but not being applied. Please assist me in getting the amount owed to me which is {$48.00} for one return and {$48.00} for the other return that they have reversed.
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| 09/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
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I got scammed by XXXX XXXX XXXX in XXXX XXXX while I never been there and never open site to do transactions, my credit card details has been stollen and used in XXXX XXXX and bank now says they were authorised transactions.
Bank name : Citi Bank Card : Credit Card Card used in : XXXX XXXX via XXXX XXXX Transactions : 1. XXXX XXXX XXXX XXXX XXXX {$150.00} 2. XXXX XXXX XXXX XXXX XXXX {$280.00} 3. XXXX XXXX XXXX XXXX {$430.00} On XX/XX/XXXX I got called from my health provider XXXX asking for payment method due to it was declining direct debit for like 3 months so I assured they are them before giving them my credit card details and shed XXXX to them and they deducted around {$46.00} which was due so that was fine.
On XX/XX/XXXX while I was watching video on XXXX all of sudden it recognised my face 3-4 times showing blue circle on the top of the apple phone it generally does when we try to unlock phone and make payments so at that time I didnt understand what happened and I tried to figure out if that plays in the video as well so I tried to play video several time but it wasnt so didnt find out what happened.
Next day XX/XX/XXXX I got called from Citibank I dont pick up due to was sleeping but when I called back it played recorded message about Citibank found suspicious activity in my credit card I thought its scam so I hang up but I was curious and checked my Citibank statement and found out that there were unauthorised 3 transactions was made in XXXX XXXX , then I called back to Citibank and explained them what happed and I also asked if I need to report to police station they said dont need to we will refund you after investigating so I didnt report but later on XX/XX/XXXX I got letter in post that says those transaction was authorised by me hence they can not do refund. As soon as I got that letter I called them and asked them to give me call back but they didnt call me back neither give proper explanation why they cant refund me.
After that I reported to XXXX # XXXX & XXXX # XXXX, those are the case and refernace numbers that I reported to.
Then I called back them again on XX/XX/XXXX and they asked me to get the details from mobile service provider saying that my phone was hacked or from XXXX saying my XXXX XXXX was hacked or any kind of proof to reopen the case. However why they did not asked me these stuff earlier at that time?
I called my service provider XXXX XXXX- they said its been long and they dont have information Called XXXX- they said they dont store transaction details, the phone used they only have transaction details doesnt matter if same card in both phones the phone used that only phone has transaction history thats why those transactions arent showing in my phone and they said thats my proof. And they dont have any other proof.
I called them Citibank and asked why they didnt asked me to get those details earlier and closed my case? The apologised and make complaint to their department and I also mentioned them that I complied to above authorities so she transfered me to someone else to discuss about it due to I reported to authorities and they offered me to pay half of the money I said I can not while those transaction I didnt authorised so I need full refund. However she reopen the case and they will do further investigation on it. But I still doubt they will not refund me scammed money. Hence I need your help resolve this issue.
Thank you
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| 12/14/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Dear CFPB Representative, XXXX XX/XX/2020 I received an automated email from Citibank saying that as of XX/XX/2020, my account XXXX XXXX ) had a balance of {$2400.00}. This made me worried since I knew I have over {$5000.00} on my account. When I logged in to my Citibank App it showed I only had {$5.00} on the account. There were four unauthorized XXXX transfers on my account. I called a representative and immediately let them know about fraudulent charges ( totaling {$5000.00} ) on my account and was told that she submitted the claim to the Disputes department.
Right after talking to the Citibank representative, I called my co-signer ( XXXX XXXX ) on the account and let him know about the fraudulent activity as well. When he checked his main Citibank account : XXXX. He found out that his account has been compromised as well, and there was an unauthorized Citibank transfer. After talking to a Citibank representative, he found out that someone opened an additional fraudulent Citibank account using his information and linked his main account to theirs. Later the fraud department mailed a letter to XXXX confirming that there was a fraudulent account indeed, which they ended up closing. Several days after that, XXXX reported identity theft and placed a credit watch alert.
Coming back to the initial case, other than XXXX transfers, there were also ACH transfers out of my account, however, those funds got bounced back, as I didnt have enough funds on my account. In addition, before the thieves made their third XXXX transfer from my account, they moved {$100.00} from XXXX 's main account, I suppose so that they could have a round amount to transfer out.
To sum up, both on my joint account with XXXX and on his account, there was fraudulent activity, all during the same two days.
In addition, several days after I discovered the fraudulent activity, I received a letter in my mailbox from Citibank, dated as of XX/XX/XXXX, that there was an address change on my joint account. This again has never been authorized neither by me nor by XXXX. When speaking to the Citibank representative they said that the address change was authorized by someone who presented themselves as XXXX, they didn't specify if it was done online via his account or via the phone.
Despite the overwhelming evidence of the fraudulent activity on both accounts, Citibank representatives reversed and refunded all the charges other than the XXXX XXXX, which totaled {$5000.00}. They said that they do not have sufficient information to believe that we didn't authorize those transfers and that we need to direct the complaint to the receiver.
I and XXXX reached out to the police department and we have the investigation report, however, they said that due to Covid-19 related work backlogs, we can't hope for the investigation to happen anytime soon and that it might take up to a year to reach the XXXX funds receivers.
We have spent numerous hours on the phone with Citibank representatives, having to wait on hold, and never able to talk directly to the people working on the case, but only to leave messages via the general customer service representatives. Eventually, after investigating our case for a few months, they twice rejected our refund request.
Finally, XXXX faxed a request to Citibank to receive all the paperwork related to their investigation, but they never mailed it, even though they are required by law.
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| 02/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I am Citi Card member since XXXX. I am a fan HOWEVER When accessing my Citi Bank credit card account online on XX/XX/XXXX I chose the option to pay my current balance which is generated by the computer system. I paid the current balance leaving the card with a XXXX balance.
Ive since found charges from the closeing statement on my card and could not figure out why the numbers did not work.
I then called Citibank for clarification. The reason they gave was due a gray area where they said that even though I paid my current balance online its really a statement balance So thats why the balance didnt include the charges after the last statement which ended on XX/XX/XXXX ... soo not a current balance?? or as the website current balance disclaimer says This is the current balance on the account today including any remaining balances from the previous statements close date. Does not include any pending or interest fees. Also warns you not paying your balances in full. Ok so then how do I know what to pay so I dont get charged.
So the discrepancy I was complaining about were the charges ocurred on the XXXX and throughXXXX that were not included on the online current balance XXXX payment.
Even though it says it is the current balance.and even though the statement end as the XXXX? The representative said I should be able to figure it out ... from what the limited information Citi provides listing all charges by date but not by when it actually occured ... REALLY???? impossible to figure out.
Additionally, the system does not give me the option to pay my last statement as opposed to my current balance it does not say anything regarding differences in balances.
I complained to Citibank clarified to them that I am paying online and not by paper. I complained about the difference experience between paper and online statements.
The supervisor that I spoke to named XXXX number XXXX said he would forward the complaint and apologized for the misleading information on the online account.
I called today XX/XX/2020 at XXXX and spoke to citibank for 47 minutes.
It is so difficult to figure out because the difference between the current balance and statement balance are not clearly stated. I tired but couldnt find any information anywhere to quantify the balances shown. Impossible to figure out.
This is not the only credit card that this is happening to my fianc also is having the same exact issues with XXXX XXXX XXXX.
The banks then are charging fees if we dont pay off our full balance due but how can we pay off our balance when it is not clearly stated and we have no idea what our final balances are.
So if I pay on the XXXX I do not expect the purchases I made on the XXXX to appear after that date.
Lets get crazy and consider if it takes the bank 4 days post a payment ( in this day and age ) is that not something that should the consumer should be made aware of? and should the consumer be penalized for that as well? How are we supposed to figure our balances out?
Should be plain and simple not hidden or need a accounting degree to figure out.
Since the inception of computers and programs that allow us to be responsible and pay our bills ontime to avoid fees however that doesnt make banks money and I believe they made this intentionally deceptive and confusing.
Overly complicated policys and proceedures makig it so difficult to figure what we owe then penalize our mistakes.
|
| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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Date : XX/XX/XXXX To XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Washington DC XXXX Dear Sirs, Sub : Discrimination of Citi Bank towards credit card application Ref : Credit Card Application No : XXXX I applied for a credit card ( Citi Advantage Platinum Select XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and I got a letter from Citi Bank XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) stating that my card application is declined based on the credit report, 1. Your credit report shows a high amount of unused credit compared to your available credit lines. 2 Your credit report shows you have recently opened one or more accounts Then I contacted XXXX credit agency and I received a copy of my credit report. I checked the Credit report and found that I did not open any accounts in the last one year. There was not even any single inquiry after XX/XX/XXXX. Also, I understand that in order to improve my credit score, I should always keep my credit card usage under 2 %. Instead of appreciating my lower usage of credit lines, they used it as a reason for declining my card.
Even the credit agency ( XXXX ) can not find any account opened in my name.
Even I called the Citi Bank customer care and after transferring so many agents, spoke to XXXX and she said I should contact XXXX. I told her that I already did that and since the denial letter from Citi Bank is absolutely wrong, I informed her they discriminated against me In order to prove that declining my credit card application is an act of Discrimination against me, I applied again on XX/XX/XXXX and as I expected they declined my card saying the only reason as multiple applications for credit. They did not mention anything about the false reasons they mentioned in the first declining letter I am sure that somebody sitting in their office is doing purposely may be because of my XXXX origin. I have excellent credit score with XXXX and XXXX. Never missed any payment for any credit card or loan If they have no plan to give me credit card, why they are sending me the offers and putting hard enquiries to my credit file so that my score will be decreased. Based on their advertisement saying that I will get 50,000 miles after spending {$2500.00} in the first three months, I applied for the credit card I want you to intervene in this matter and ask them to 1. Immediately withdraw their inquiry sent on my credit file which negatively affected my credit score.
2. Tell them not to run my credit in future without my consent and never send any more offer letters or advertisements to me 3. Since they treated my credit file misused give me a compensation of {$500000.00} at the earliest and I was never declined by any other Banks.
4. In fact I did not apply by myself. XXXX XXXX invited me to apply as I am one of their frequent flier number holding person I am attaching the two letters received from Citi Bank declining my credit card application and you can see the reasons for declining my application are baseless.
Hope you will look into this matter seriously as there should be some standard norms in approving or denying the new credit cards to bona fide citizens or United States of America and they should give me the correct reason behind declining my credit card application I need justice in this discriminating action by Citi Bank at the earliest.
Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX Email : XXXX Tel : XXXX XXXX XXXX
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| 01/27/2016 |
Yes |
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Web |
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The double standard of Credit Card companies punitive actions against it 's credit customers and the subsequent unaccountability to it 's own consumer when the time comes for accountability. Macy 's is directly responsible for holding my credit score DOWN, while I was intentionally making substantial payments in order to change my credit usage ratio. Macy 's directly caused my credit score stay stuck in one place due to neglecting to REPORT TO ALL XXXX BUREUS, the balance and payment information for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Still, today, XXXX XXXX, XXXX, theres been NO change.
These past 7 months I have been actively working to repair my credit and have successfully seen my score rise from a XXXX to a XXXX. Then it dropped down arbitrarily, even though I 've made substantial payments to each account.
I committed to paying what was necessary to get out of a debt spiral and to begin a wealth cycle, investing thousands of dollars to both pay down my credit balance ratio as well as pay for credit repair services, as well as the number of months and time spent on the phone and subscriptions to all XXXX Bureaus. I am wholeheartedly focused on this task to its success ... Yet I have been stopped in my tracks and my score is at the mercy of an unaccountable system that bears down its heavy burden onto my back. On top of my own diligent work, I now have to do the footwork for a major credit company! It takes hours of my valuable time, mental health and useless financial frustration.
This was all in an effort to be prepared to a purchase through financing an automobile to be delivered XXXX XXXX. I had worked to achieve my down payment, had achieved a XXXX point increase on my credit score, but still needed the solid XXXX to begin to be eligible to apply for financing. I was turned down at the application process with no exceptions, that my score reflected XXXX, meanwhile, Macy 's showed a severley inaccurate credit usage ratio around XXXX %, whereby I had paid it down to XXXX %. It will be down to XXXX % in XXXX XXXX.
Macy 's neglected to report to the XXXX credit bureaus even with XXXX separate phone conversations to update my reports manually, which their credit card department agreed to.
Beyond the lost time, money, emotional anxiety, I 've been falsely accused and have had to bear the extra burden of having a too low credit score to be approved for the first stages of financing.
Staring down these inaccuracies, delays, outright unaccountability by creditors, what, how and when they report is DANGEROUS and DAMAGING. The mere fact that consumers are at the mercy of being perfectly accurate and who 's scores are a representation of their behaviors, meanwhile creditors are collecting interest, fees, late charges in addition tho the money they are paid back as agreed. Then this information sits on the report, misinforming the scrutinizing money grubbing lenders. It is pure sabotage!
Laws need to be protecting the credit consumer and the scoring process needs to be consistent and precise and to all XXXX Bureaus. My consumer behavior is controlled by me and I should not share in the responsibility the bad behaviors of the Creditors. This is really a game between the Credit Score Keepers and the lenders, while you 've got the consumer masses sitting in the stands, watching their lives being treated like a game.
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| 01/20/2016 |
Yes |
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- Forbearance / Workout plans
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Web |
Older American |
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I was the XXXX after the XX/XX/XXXX XXXX Earthquake. As a XXXX, I became a disaster victim. XXXX XXXX XXXX ( XXXX ) paid my XXXX for 9 years, but around the time XXXX XXXX crashed, I was ready to go back to work. XXXX refuse to pay the vocational rehab coverage in my policy, so I was left to public assistance in the form of Social Security XXXX and the Calif. State Dept. of Rehab for my re-training program. I consequently defaulted on my son 's student loans. I cashed out my retirement and XXXX whole life policy to pay what I could and still defaulted on XXXX credit cards. I have been trying to sell my home for 3 years to pay the remaining debts. I attend XXXX XXXX, but am in poverty. My house sold last week so I contacted creditors. The student loan lender is settling amicably and so is XXXX XXXX XXXX. But Citibank has a {$12000.00} card balance ( now {$16000.00} with interest ) and lien on my home. They told me that since I am " rich '' they would only reduce the {$16000.00} ( now with interest ) to {$12000.00} ( XXXX XXXX XXXX ). I asked to talk to a supervisor. The supervisor, XXXX XXXX XXXX, XXXX, told me I lost the discount ( from {$16000.00} to {$12000.00} ) because I complained and now the balance is {$16000.00} and they will just take it out escrow ( they have a lien on my home ). I asked him for the note and proof they served me legally ( I was never served when they sued me ). He said he does n't have to provide the note or anything else and he wo n't discuss settlement unless I have an atty. I told him no law requires me to have an attorney. I explained that many friends got out of their debts thru bankruptcy, and I am actually paying mine thru my home 's equity in a sale. Further, I was offered deals when everyone knew I had no assets to pay, but now that I am losing my home to pay my debts ( I built it in XXXX XXXX, they wo n't give me a fair settlement. XXXX County courts where this was filed in XXXX/XXXX/XXXX is under investigation by the State of Calif. for illegal activities. It was case No. XXXX XXXX. The debt collector is XXXX XXXX XXXX, XXXX XXXXt XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, tele ( XXXX XXXX XXXX. I told both XXXX XXXX and XXXX XXXX that I saved many lives after the earthquake, and risked my own life, had private XXXX insurance ( $ XXXX/mo ). I asked for some consideration because XXXX wo n't honor their contract with me and that 's not my fault. Note : The Calif. Dept. of Insurance investigated 4 years ago and confirmed I had the coverage and no person could go back to work after 9 years without retraining ( plus I am not allowed to work in my old profession anymore due to medical ). However, Dept. of Ins. said in their letter to me they have no enforcement powers. Moreover, no atty will take a XXXX income case for 4-5 years of XXXX benefit pmts. So there is no " sheriff in town '' for these insurance companies, the reason for my default on all my commitments, even though I had ample income through my policy to cover me for life if necessary. I request a settlement from Citibank credit cards for {$6000.00}. I think this is fair considering my situation and that I am losing my only home to pay back my debts. I have no retirement because XXXX committed alleged fraud against me and my policy with them. My home sale closes escrow sometime between XX/XX/XXXX-XX/XX/XXXX. Thank you for considering this situation and for your assistance.
|
| 11/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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my low rate on my credit card advance ended on XX/XX/2023 so i decided to pay off the whole balance of my citibank credit card i went to their site ... and used my checking account money at chase to pay the full balance on the XXXX of XX/XX/2023 i used a direct fed wire from the number one bank to the number two bank in america using american dollar bills a week later no money in my checking account but none in my credit card either ....
i called many times over the next few days and was told... please be patient... it is a process and it can take up to 21 days to pay off a credit card i explained many times i used cash money ... and a fed direct wire to make sure it would go through quickly and easily citbank management told me sometimes they have to review larger cash deposits to make sure the sending bank is still in business so i ask you think the largest bank in america that i used for 27 years went out of business the day i send you money ..????
they said it is for my own protection .... really???? how is that???? i am out XXXX of my money and can not use it ... .or find it .... and you have it ... and will not post it for my own protection???
i was told be patient it can only take 21 days maxiumum to review and certify the deposit i said i thought fed wires were almost instant... .why 21 days .... that is when they hung on me i thought it was a great question as i never heard of this happening i waited a few more days hoping this would finally be finished ... .i was wrong i was put on hold 3 hours to get a manager .... they read the same script ... .i need to be patient while they review the payment and make sure it is ok... .. might take a total of 21 days and it is all for my protection i was tired of this by now .... its my money... i worked hard for it ... where the XXXX is it and why is cash not good anymore in america .... well they also hung up on me i do not feel i need to wait any longer .... i used seasoned cash money from america in an american bank to pay off another american bank both located here in nyc i did not use a check or borrow from another credit card ... ..was pure cash sent throug a wire and now 10 days later no one at citibank wants to even try to explain why this is happening to me...
i feel i am being disgarded and mistreated and it is wrong .....
my credit score was not increased as the deposit is still in limbo affecting my credit history since i can not make any payments on a fully paid off card my score will surely go lower as i do not make payments i was escalated to citibank complaint dept and was told this happens all the time where the bank wants to make sure transactions are real again never heard of this ... and not happy if this is the new america... i do not trust banks anymore and will be closing everything at citibank i would like to pay off the other loans but i will only lose more money ... so there goes my credit scores...
i think this is criminal and or fraud and want the dept of finance to investigate... .also to listen to the many recorded phone calls where they say they can not release any info to me... .the card holder and the payer ....
imagine this happened to you ... .and you needed money that you have but can not find for 21 days for no reason someone should tell americans that they american cash dollars are suddenly possibly not good big banks are getting away with robbery XXXX XXXX XXXX XXXX XXXX ....
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| 06/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Best Buy credit card by Citi bank. I asked for confirmation of debt defined means my wet signatures not a bill. I tried to use a 1099C cancellation of debt refused it.
12 usc 1431 banks can not loan money because they are the borrowers.
Money modern mechanics book from federal reserve states banks can not loan money. Hummm. Banks take people signature promises to pay and exchange them for credits. Basic booking entries.
Per 42 usc 408 asking for a social security number is illegal for any credit transaction or loan is a crime because we have unlawful money backed by air.
Article one, section ten, clause one says no state shall enter into any treaty, alliance, or confederation ; grant letters of marque, coin money, emit bills of credit. Federal reserve notes are promises to pay in the future. Lawful money is gold and silver.
The United States since 1933 been under bankruptcy.
Per usc 1602g we are the consumers and the banks are the borrower Ucc 3-104 explains what a negotiable instrument is and how to use it.
To : Citi bank I, : XXXX XXXX XXXX, Authorized Representative, am sending the coupon of the account summary to Citi bank as payment for what I owe. I have recently learned that a coupon is a way of paying according to ucc 3-104. I noticed that you have sent me these coupons and ask me to remit them with another check or money order and then you have redeemed both. That is double dipping of course and is illegal.
I am potentially willing to overlook this crime as long as.you accept this legal form of payment, so I am sending the payment coupon to be accepted as a payment. Per ucc 3-603b if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge to the extent of the amount of the tender of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
If you reject the payment coupon or claim to have shred it, I still expect you to follow the law and discharge the debt.
Here are some definitions to clarify what I am talking about just to reference state statues if you need a refresher.
Instrument : A written legal document such as a contract, lease, deed, will or bond. These instruments are worth their face value, so the amount to be discharged will be the amount I have written on volcher. If you refuse to accept a negotiable instrument I will send the IRS a 3949A and I have enclosed a copy of my fee schedule.
Closing an account without permission {>= $1,000,000} per account Refusing a negotiable instrument {$10000.00} per occurrence Since we have no lawful money I want the payment in silver coins legal tender.
Vocher : a small printed piece of paper that entitles the holder to a discount? Or that may be exchanged for goods or services.
sincerely and without ill will, By : XXXX XXXX XXXX beneficiary and authorized representative All rights reserved without prejudice, without recourse I, XXXX, XXXX agent to said principle XXXXXXXX XXXX XXXXXXXX hereby accept all titles , rights and interests owed to principle XXXXXXXX XXXX XXXXXXXX, I hereby instruct ceo of this account to apply the principle balance to said account full balance. If this can not be honored please respond in the mail with alllll with statue and codes like i did with non acceptance. Apply the above instructions.
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| 01/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
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|
Web |
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XXXX Citi XXXX Fraud-Denied claim even have evidence On XXXX XXXX XXXX, XXXXXXXX XXXX I received a notification in my cellphone that I have a pending transaction in Citibank onlinebanking app. As I check it there were two pending transfers, one is XXXX at XXXX and the second one is 3,600 at XXXX. I immediately called Citibank customer service using my cellphone and my cellphone can not make outgoing call. So, I used my neighbor 's cellphone to call. I called the Citibank Fraud department, they were able to check there were two pending transfers to XXXX XXXX ( XXXX XXXX XXXX ). I told them that it's fraud and unauthorized. It was not me. However, the customer service was only able to cancel the second one 3,600 but not the first one XXXX. She said that I need to file a complaint or affidavit letter which they will provide. I immediately opened a claim case and request them to contact the beneficiary bank for a wire recall. On the next day, XXXX XXXX, XXXX. I went to Citi branch near my place and file the affidavit of unauthorized online wire transfer and sent it to them and the fraud department has confirmed that they have received it. And on the same night, I went to the local police department to file a police report. I called the investigator from the Citibank XXXX team to provide my police department complaint number the next day. Then, I filed FBI complaint and FTC for the identify theft report. I have called the investigator after a week or two. Then on XX/XX/XXXX, the investigator called me that they denied my claim. I disagreed, so I requested to reopen the case. The next day I went to the police department to pick up a copy of my police report and went to a Citibank branch to ask them to help me fax the report to the fraud department even they did not request it. I was desperate that I need the money back to my account because I only have about 3600 left in my account for my own living expenses, including mortgage and taking caring of my XXXX parents. I was very cooperatively and put my trust on Citibank to provide me with the reasonable care.
Unfortunately, when I called on XX/XX/XXXX to check on the update of my appeal, they told me that they closed the case and the previous investigator didn't open an appeal for me. I was shock and disappointed!! Therefore, I quickly requested to reopen the case. In the past few weeks, I have tried to contact different lawyers. Meanwhile, I called the wire department to request a proof of the XXXX transection time for three times. They can only able to provide the transection day XXXX XXXX XXXX but not the time XXXX written on the research result. Also, the decision on Fraud claim was very short and generic saying that it was a scam. However, I have never done a big amount of wire-transfer before!! WASN'T THAT OBVIOUS IT IS A FRAUD WHEN ALL OF MY MONEY IS GONE IN TWO BIG TRANSFERS? IF THEY CAN CANCEL THE SMALL ONE, WHY THEY CAN'T CANCEL THE BIG ONE?? When I checked my XXXX text and call records, no one from Citibank contacted me to verify my identify for the big transfer. That was unreasonable customer care!!!
Today XX/XX/XXXX, I called for an update for my appeal. Citibank XXXX team still said it is under investigation and asked me to wait 30 to 60 days! Oh please HELP!!!!! I AM DESPERATE TO RECOVER MY MONEY IN CITIBANK!! I WORK OVERTIME TO SURVIVE UNDER THIS PANDEMIC. I NEED JUSTICE. PLEASE PROVIDE ME WITH REASONABLE CARE!!
|
| 09/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Fall XXXX realized there was a balance on an account I didnt use anymore. I called Citibank. The rep helped reverse the charge. I also requested to close the account because I didnt use it. It still had my maiden name on it ( XXXX XXXX XXXX ). I dont have direct documentation to submit. Im attaching the following screenshots in an attempt to prove that I called and the charges were removed : - Screenshot of my email account showing various emails from Citi a statement on XX/XX/XXXX showing a balance, a survey following my call with them, a statement on XX/XX/XXXX showing no balance.
- Screenshot of the XX/XX/XXXX email showing a balance - Screenshot of the email survey - Screenshot of the XX/XX/XXXX email showing no balance I can submit bank account records if that would be helpful to prove I did not make a payment to clear that balance. The balance was cleared up on Citis side. I tried to look for a call record from my XXXX account but the website says the records are only available for a certain time period so I was unable to screenshot of a log to prove I called.
XX/XX/XXXX I called Citibank ( XXXX ) and was told the account didnt have any late payments. The issues from last fall were completely resolved.
XX/XX/XXXX Dispute opened with all 3 credit bureaus.
XX/XX/XXXX XXXX resolved the dispute in my favor XX/XX/XXXX XXXX says they called Citi who said the account did have late payments.
XX/XX/XXXX I called Citi again. I called a different number this time. I called the number that the credit bureaus listed ( XXXX ). I was told the erroneous charge was reversed last fall but not the late fees and interest. She put in an order to reverse those charges and said it would be done in 2-3 business days. She said that on XX/XX/XXXX updated information would be sent to the credit bureaus.
XX/XX/XXXX after still not seeing updates on credit for XXXX or XXXX I called Citi to confirm their end. The rep said the charges were reversed.
XX/XX/XXXX I called XXXX to see if they had received an update from Citi. The rep said no Citi had not sent updated information.
XX/XX/XXXX I called Citi for the 4th time after speaking with XXXX. The Citi rep says all the late fees and interest had been reversed last fall. The Citi rep said she send information to XXXX. She said Citi would have sent updated information to XXXX 30 days after that adjustment so probably XXXX of last year. Citi rep told me the problem is on XXXX side and I should open a dispute.
I told her I had already done so. That XXXX says they called Citi and were told I was late. The rep told me she could give me an address and fax number for a different department at Citi so I could file a dispute. I told her I wanted a phone number. I said I wanted to talk to someone. She said I couldnt. There was no number. I had to send a letter or a fax. After insisted that wasnt acceptable she said she could file it for me. So while I was on the phone with her she a credit dispute with Citi for me.
XX/XX/XXXX I opened another dispute with XXXX in case that would help speed things along. I attached a PDF version of a XXXX document where I laid out the phone calls Id made between XX/XX/XXXX and XX/XX/XXXX.
I believe Citi needs to submit information to the credit bureaus stating that there were never late payments on this account. The failure to provide updated, accurate information is negatively impacting my credit score.
|
| 01/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
This relates to my Costco visa card issued by Citibank. On XX/XX/XXXX I made some purchases at Costco warehouse in XXXX, CT. Later I found that in addition to the purchases I recognized there was an extra separate charge of {$310.00} for goods bought here. Since I didn't buy these extra goods I visited the Costco XXXX warehouse on XX/XX/XXXX to see what this was about and seek a duplicate receipt for this supposed purchase. The warehouse folks ( including their back office staff that spent 30 minutes trying to find this out ) couldn't locate any such {$310.00} transaction that supposedly took place. They advised me to take it up with the credit card folks. So I then called this credit card customer service at XXXX who gave me conditional credit for this amount while they investigated the matter.
On XX/XX/XXXX they notified me electronically that they have " closed out investigation and reversed our credit. '' The reason they gave was " This merchant has supplied us with a sales slip ( s ) indicating that this transaction took place in person and your credit card was present for this transaction. You should have received the merchandise at the time of the transaction ... '' I knew this form explanation was false because the warehouse people had been unable to show any such record of items purchased for this {$310.00} and I called uo the customer service at XXXX again on XX/XX/XXXX and spoke with their agent XXXX.
XXXX then called the Costco XXXX CT warehouse while I was on hold and 30 minutes later confirmed that they had no such record of any purchase. He said he was re- reversing credit ( so I again wouldn't be on the hook to pay this {$310.00} amount ) while treating this as a fraudulent transaction that they would investigate. I hung up satisfied but then got the credit card bill of XX/XX/XXXX showing this charge of {$310.00} still on the bill, and no credit for it in the next ( current ) billing cycle.
Today on XX/XX/XXXX I again called XXXX and after two failed calls, frustrating automated response system ( that kept saying " I didn't get your response '' ) I finally got through to billing disputes dept agent XXXX who said I would only get credit if and when their Security Department had completed their investigation ( she couldn't say when that would happen but could take a couple of billing cycles. ) Meanwhile the charges would stand on my account. As I understand it that's now how credit fraud charges are supposed to be processed. XXXX did say I was welcome to deduct these charges from the bill I was paying but there would be no proof from my side that such a conversation had taken place, so I'd essentially be liable for finance, etc. charges on outstanding carry over balances of amount owed. I asked XXXX if she could send me any communication ( email, text, etc. ) that I could offer as proof of her advice and she said she couldn't.
In sum Citi Costco credit card dept first wrongly rejected my billing dispute on false grounds in their XX/XX/XXXX letter, and then wrongly refused to credit back the amount due on XX/XX/XXXX after opening the fraud investigation ( so I'm still on the hook to pay this amount for now. ) I shouldn't have to pay this wrongly charged amount while they take their own time investigating this matter. They should also fix their automated customer response system so that it works properly and doesn't make it so hard to reach a live agent.
|
| 11/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
1 ) Dispute with Citibank Disputes : Case # XXXX XXXX XXXX ) Complaint against merchant known as Guest Reservations/ cci guest services XXXX or XXXX The facts are as follows : On XX/XX/XXXX I went online to what I thought was the reservation website for the XXXX XXXX in New York XXXX to check in on XX/XX/XXXX for XXXX night to visit my son and grandson.
The charge for the room was quoted as {$550.00}. I charged the room to my Citi Advantage Platinum Select card ending in XXXX but after the situation with the merchant I cancelled that card and was issued a new card ending in XXXX because I did not trust them and was worried about my card being compromised.
A few minutes after my credit card was charged I received a confirmation stating I had been charged a total of {$840.00} significantly higher than the initial quote of {$550.00} the higher amount included {$280.00} for what was described as Tax Recovery Charges.
So to summarize so far, I had made the hotel reservation through a third party website who had deceived me into believing they were the hotels official website. In addition, a non-cancellation policy was added, but not until after my credit charge was charged.
As I mentioned the charges were significantly higher than initially presented due to the undisclosed Tax Recovery Charges.
I contacted the merchant the next day to cancel with them as I had been misled and overcharged and wanted to book directly with the hotel which was my original intention.
The merchant only offered me a partial refund of {$200.00} which still left me short of the amount of {$640.00}.
As a basis of fair comparison, when I made the reservation directly with the hotel, the same room was XXXX plus {$82.00} taxes for a total of {$600.00} with just a XXXX hour cancellation policy compared with the merchants room rate of {$550.00} plus taxes of {$280.00} for a total of {$840.00} with a non-cancellation policy.
No hotel reservation that I have ever made has such a non- cancellation policy without giving a full cancellation refund at least a few weeks ahead of the check in date, and I cancelled the next day after realizing I hadnt booked directly with the hotel.
If I had not been deceived, I would have never made the reservation with the merchant and would never have agreed to such a non-cancellation policy had I been aware of it before I gave my card.
I believe my account is corroborated by a similar complaint to mine on a Trip Advisor review stating the following : This company is completely unethical. They are extremely deceptive and lure customers into thinking they are booking directly through the hotel.
To conclude : I would like to lodge a complaint against the business practices of Guest Reservations/ XXXX guest services XXXX or XXXX Regarding Citibank, I contacted their Disputes department : XXXX Case # XXXX I gave them all the information and they initially credited my account with the {$640.00} They then rescinded the credit after the merchant contacted them. I responded to them by saying I was disappointed and dissatisfied with the reversal of my credit based on the information provided by the merchant not addressing the deceptive practices and lack of transparency in their booking process I would appreciate you reviewing first my complaint against the business practices of the merchant and second -the fact that Citibank should reinstate the {$640.00} credit to my account.
|
| 07/28/2016 |
Yes |
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Web |
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We opened a credit card account with Citi Bank about 20 years ago, account # ending in XXXX. We had few credit cards before and were fairly ignorant about the process. As a result, we found ourselves using it more than was practical and became indebted to Citi Bank. We worked with Citi Bank and paid off our balance. Then we cut up our credit cards and never used them again, thinking that everything was finished.
Citi Bank did n't contact us for the remaining 2 years that we lived XXXX, nor for the first year after we moved to XXXX, XXXX Then after 3 years of not using this credit card and not hearing from Citi Bank XXXX we received another statement claiming that the account had NOT been paid off and had continued to accrue interest and fees to the amount of approximately {$5500.00}. We were very upset, and contacted Citi Bank by phone. We just wanted to be done with them and did n't ask at the time exactly where all of these fees had come from. XXXX sides agreed to settle with our paying half of the amount that Citi Bank claimed we owed.
We now realize that this was a major mistake, because somehow, Citi Bank continued to charge us fees and interest for the next 15 years! We, however, knew nothing about this. We moved from our first house in the XXXX area to purchased another home about 10 years ago. Believing that we had no unfinished business with Citi Bank, we did n't send them notice of our new address. Nor did any mail from them get forwarded to us from the old address.
The enormity of the mistake caused by our ignorance and Citi Bank 's failure to help us to understand what was happening was revealed when we sold our latest property at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. Citi Bank had placed a lien against our property for {$23000.00}! The only reason we were given was that Citi Bank was n't able to find our new address. This is very hard to believe for these 2 reasons : 1 XXXX The cell phone number of the primary card holder had n't changed since we talked to them by phone 11 years ago. IF we still had unfinished business with Citi Bank, they could easily have called.
2 ) If Citi Bank was unable to find our new address, how is it that they WERE able to place a lien against the property at the same address.
We now fear that we may have never actually closed our credit card account with Citi Bank. If that was the problem, it was purely a matter of our ignorance, because we did n't intend to use the card ever again, and in fact have NOT used it during all of the intervening years. It appears to us that Citi Bank took advantage of this situation and did not explain what was happening to us. The total amount that we 've paid them since thinking everything was settled 15 years ago is approximately {$26000.00}. That is extremely excessive in light of the situation, especially since we have n't even used the account in all these years. We believe that Citi Bank should reimburse us most, if not all, of the money that they took from us when we sold our house on XXXX XXXX XXXX last year. This was money that we did not use in our account, and it is money held against us without any notification from Citi Bank. We are a lower middle class, working family on no public assistance of any kind, and now do not have the money to purchase a new home. Instead, we find ourselves renting a house in an undesirable neighborhood that is NOT healthy for our children. Please help.
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| 01/27/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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On XX/XX/XXXX, we applied for the Citi XXXX XXXX XXXX XXXX XXXX ( it was then approved XX/XX/XXXX and shipped on XX/XX/XXXX ). At the time of our application, the offer on Citi 's website ( which we clicked through ) was that they would award XXXX bonus miles after meeting {$4000.00} of spending in XXXX months. I have attached photos of that page which do not have our name on it because we went directly to the Citi website to review/compare before applying.
We indeed spent {$4500.00} within XXXX months, exceeding the minimum requirement and qualifying for the bonus, which was then never received.
We have reached out to Citi twice by phone and twice by email. In all of our outreach to Citi, we keep being told that we were not registered for a XXXX bonus and that instead, our account shows an offer of XXXX miles after {$5000.00} of spending in XXXX months, of which we were a couple XXXX dollars short of.
This, however, is not what we applied for, nor is it listed on ANY documentation, was not listed in my account, we received NO email about this offer, and it is not provided ANYWHERE in our terms and conditions paperwork. Therefore, the only offer we were aware of was the one that we clicked on their website for : XXXX bonus miles after {$4000.00} in XXXX months. If there was something that changed or occurred behind the scenes on their website or system, we had no control nor no knowledge of it.
We are extremely detailed and watched our spending very carefully every XXXX XXXX XXXX to ensure we met the {$4000.00} requirement. I also poured over all of our documentation, emails, online account, etc. to make sure I didn't personally miss something that notified us differently. We keep coming to the same conclusion : we met the XXXX bonus offer requirements and were never informed differently until we " didn't meet it. '' After multiple conversations with Citi, I have yet to receive any proof that Citi informed us of the requirement to spend {$5000.00} which therefore appears to be a " bait and switch '' approach to avoid honoring the bonus we expected of XXXX.
To be clear, I am not requesting the XXXX bonus miles be honored. I am requesting that they simply honor what we applied for : XXXX after {$4000.00} in XXXX months.
I called Citi in XXXX, XXXX as well as XX/XX/XXXX. I also emailed them on XX/XX/XXXX based on the suggestion of the rep I spoke to on the phone. Citi replied with the attached letters on XX/XX/XXXX and XX/XX/XXXX.
The letter dated XX/XX/XXXX says that they can not apply a generic offer to an account as they need to be listed in my name and email address, however we applied ONLINE for this card based on a generic online offer, so the letter does not make sense or align with their supposed business practices.
While I have provided them backup showing the offer that we clicked through online, I am still awaiting proof that Citi XXXX notified US of the offer that they are stating applied at the time of my application. So far, they have not provided me any documentation to show that we should have known of an offer of XXXX after {$5000.00} in XXXX months ( which is a different offer than the one that I clicked through online ). The fact that we were unaware that the offer they are stating " posted '' to our account is supposedly different than what we applied for continues to show deceptive marketing and misleading and unfair business practices.
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| 02/15/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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Citibank ( 2nd mortgage ) has been giving us the run around for the short sale review. As of today they advised me that the Right to Survivorship that we sent is invalid so wee need to present the executor of the estate paperwork. Not until this is provided we are not authorized on the account.
We initially submitted the Right of survivorship to Citibank on XX/XX/XXXX It was faxed and emailed to the specialist assigned to the file.
On XX/XX/XXXX an agent confirmed that the documents were received but no indication if it was reviewed. On XX/XX/XXXX another agent confirmed there were documents received on XX/XX/XXXX but there is no notes on the account as per the status of the short sale review. Then on XX/XX/XXXX, I was advised that Docs are submitted for review. Said the status of the file is " Active case '' and they are working for the file to get re assigned. ETA is 2-3 days. On XX/XX/XXXX, I sent a message via twitter and their response was : " Sorry to hear this has occurred. Regrettably we are not able to accommodate account specific inquiries via this forum. We can however help escalate your concerns to our mortgage group to address and or contact you. Please allow us 1 to 2 business days for a response. Please know our mortgage team will only be able to speak with a listed account holder at time of call. We appreciate your time and patience. '' On XX/XX/XXXX the file was assigned to another specialist. On XX/XX/XXXX, I resubmitted the docs they requested and was advised that it would take 24-48 business hours to beimagedand uploaded into their system. On XX/XX/XXXX the specialist assigned to the file called ( only because I requested for a call back ) he said he received the docs we sent but he needs to validate it and another department will do that it would take 24-48 hours. He said he will have it escalated and will call us back to confirm. I asked if he can also respond to my emails, he said he will do that as soon as the docs are validated. Then XX/XX/XXXX I called and I asked if the documents we sent were already validated, the rep that I spoke with said the authorization is not valid.
On XX/XX/XXXX the file is transferred to Citibank 's recovery team and we were advised that we are not authorized on the account, so we faxed the borrower 's death certificate and will along with the wife 's authorization letter and to make matters worst we needed to send the documents 3 times before it showed on their system on XX/XX/XXXX. By then we were advised that we are authorized on the account and the the file is transferred to a Citi servicer ( XXXX XXXX XXXX ), we were advised to send the authorization again and on XX/XX/XXXX. XXXX XXXX XXXX 's supervisor advised us that they can't service the file as per their agreement with Citibank because the borrower is deceased. And now it will take another week for the file to be transferred back to them and another week for the short sale review, had they not forwarded the file to a servicer the process could have been quicker because they are very much aware that the borrower passed away on XX/XX/XXXX. and we have sent proof.
We would like to ask for your help to get Citibank to expedite the approval because we are about to loose the buyer. Also, they shouldn't have forwarded the file to XXXX XXXX in the first place because they already knew that the borrower is deceased. We look forward to your immediate response.
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| 05/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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One XX/XX/XXXX I applied for a Citi Bank secured credit card the card required a deposit of {$200.00}. I agreed to pay the deposit because it was refundable. After appling I received an email with a link to check the status of my application. Two days later on XX/XX/XXXX Citi Bank withdrew the {$200.00} deposit from my checking account. I thought that since they withdrew the deposit amount from my person checking account I assumed my Secured Credit Card Application had been approved. So I went online and checked the status of my application to my surprise there was no update what so ever. I then called Citi Bank on XX/XX/XXXX the same day they withdrew the deposit, the representative informed me that my application had not been approved the representative stated that Citi bank was still processing my application. I waited patiently for 3 more days. Today XX/XX/XXXX I went online to check the status of my application which I have done since I applied ( I check the application status every day since applying ) to my surprise yet again there was not any type of update for my application. Every time I have checked the status of my application I take has always said the same exact thing ( I have attached a screenshot of what it says every time I check my application status ). After checking the status I then called Citi Bank and the gentleman informaed me my app was not approved yet it was still being processed I also ask him if a card had been mailed out. The representative told me the card had not been mailed out and told me that it could take 30 days for my application to be processed I asked the representative why the deposit of {$200.00} had been withrew from my personal checking account if my application had not been approved. I informed him I could have had the money Citi Bank withdrew, he told me there was nothing he could do. By this point in the phone call I was XXXX so I hung up on the representative. So about 3 hours later I checked the status of my application and it had still not been updated. I then called Citi Bank for the second time. I simply told this representative that since my Citi one application had not been approved yet and since Citi Bank was not corresponding with me but phone or email I wanted to cancel my application. The agent told me that my application had not been approved yet and she then stated that she could not cancel my secured credit card application. The agent told me that my card was scheduled to be mail on XX/XX/XXXX. I asked the agent how she could tell me when the credit card was going to be mailed if my application had not been approved yet which the agent could not give me a answer. I then asked to speak with a supervisor who informed me of the same the supervisor told me that my application had not been approved yet and the supervisor told me she could not cancel my application and refund my money back into my che account. I ask the supervisor how they could refuse to cancel my application. The supervisor could not give a excuse except that she could not cancel my application nor refund the {$200.00} dollars back into my account.I do not understand how a Bank can take my money before applicator approval nor do I understand how Citi Bank can refuse to cancel my application and refund the deposit ( {$200.00} ) back into my account. I just want to cancel my application and have my money refunded back into my person checking account
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| 06/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In brief : On XX/XX/XXXX, I brought a laptop to XXXX XXXX XXXX XXXX XXXX for repair. I paid a total of {$310.00} for diagnosis and repair. I was told this was for diagnosing the functionality issues the laptop was having ( i.e. the 'motherboard ' ) as well as repair of a broken hinge on right side. ( I would like to add, at no point have I disputed the {$55.00} charge for repairing the hinge ; this was in fact done satisfactorily ).
After picking the laptop up and returning home, I saw that it was still not working, and immediately contacted XXXX XXXX XXXX, and was told to bring unit back, which I did the next day. Over the course of the next few days, after picking up my still non functioning laptop, I was told the problem was ( maybe ) the hard drive, a 'bad sector ', and at one point it was blamed on a XXXX XXXX update overloading my computer ( these various answers obviously rendered the initial diagnostic that I paid for faulty, or incomplete ). I communicated with XXXX & XXXX in person, as well as via email and phone call.
I the filed a dispute with Citibank over this matter. I was given a 'provisional credit ' of {$210.00}. In the time since, I have replied to every communication from Citibank in a timely manner and with all of the requested documentation. In a response from the merchant dated XX/XX/XXXX, XXXX & XXXX actually states that the laptop " ... can be damaged during traveling. It's a possibility that during the customer 's trip from home to here and back that something or some incident could have caused damage to the drive ''. The audacity of that insulting statement is mind boggling. Also, that would be excuse number 4 (! ) given as to why they did not repair my computer.
In a letter dated XX/XX/XXXX, Citibank informed me that without a 'valid credit slip ' they would be debiting my account for {$210.00} on XX/XX/XXXX. On XX/XX/XXXX, I replied in letter form ( faxed from a Citibank location ; this was confirmed in two later phone calls with Citi ), responding to the merchants response again, and reiterated that I had already sent in all of the 'credit slips ' I had been given by XXXX & XXXX computers.
My account was debited {$210.00}, undoing the provisional credit I had been given. I called Citibank customer service on or around XX/XX/XXXX and spoke with two different customer service representatives. They were both pleasant enough, however ; the first rep was hard to understand ( accent wise, but ok ) but did not comprehend the issue I was calling about at all. I was transferred to another rep who did seem to comprehend why I was calling. She was unable to reapply the credit ; when I asked about how to appeal that decision, she was absolutely unhelpful. She would not or could not tell me how to open an appeal of the decision ; would not or could not transfer me to someone who could resolve this issue or provide further information ; would not or could not put me in touch with the 'legal department ' that handles disputes ; and would not or could not mail me any information as to how to proceed ( " we don't mail things '' - actual statement ).
I am, needless to say, outraged. I have had this account with Citibank for approximately 20 years, and the lack of consumer protection offered by them is disturbing. I was obviously swindled by XXXX & XXXX Computers, and Citibanks indifference and lack of advocacy on my behalf is beyond disappointing.
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| 05/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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My name is XXXX XXXX my loan is with CITI Mortgage the loan number is XXXX property address is XXXX XXXX XXXX XXXX NY XXXX. I have applied for a HAFA Short Sale with CITI MORTGAGE. My application has been going on for over XXXX year. CITI has and is misrepresenting the XXXX report that was most recently ordered in regards to the AS IS value of my property. My property currently has approximately {$300000.00} thousand dollars in XXXX XXXX XXXX XXXX XXXX. Last year Citi ordered a XXXX which is part of the process of a short sale. The XXXX report that was completed failed to accurately represent my house and the issues with it. Specifically the XXXX Violations. CITI had acknowledged this and allowed a license appraisal to be submitted by my attorneys. That report reported the AS IS value by a licensed appraisor which included the XXXX violations in question. CITI then disagreed and disregarded that report. CITI then again ordered a XXXX on my property in which it specifically was to take assessment of the XXXX violations, The report that CITI ordered has given them a detailed report of the violations and everything in regards to that matter. The value that the report has stated per the XXXX violations and cost to cure is being misrepresented by CITI. CITI is stating the value was AS IS at the amount of {$480000.00} not to include the XXXX violations but with the cost to cure. That representation by CITI is FALSE. The report actually gives an evaluation of a lesser amount taken into account the XXXX violations and cost to cure. CITI is now forcing me into foreclosure based of that misrepresentation of a report they themselves ordered. CITI has received a full offer with the deductions that are required by XXXX XXXX XXXX in regards to XXXX violations are refusing to accept it with the stance of the report that they are misrepresenting. As of today XXXX/XXXX/15 my attorneys office has tried to contact numerous supervisors in regard to the denial and have asked for escalation of that denail to be told the cant speak to a supervisor and the file can not be escalated. CITI has also denied a copy of the report which XXXX to be revised numerous times by the XXXX due to the format needed wasnt being allowed by CITI. In order for the XXXX to mention and make adjustments for the XXXX as well as all other information the report required a specific format. CITI attempted to get in the way of that reporting. Under XXXX XXXX XXXX are required to be paid at the time of closing by the seller. There is no getting around that, unless the buyer is accepting responsibility of those XXXX. CITI has not and would not allow an offer where the buyer would accept responsibility for the XXXX. CITI has stated it will force me into foreclosure. The XXXX will still be required to be paid even in foreclosure so why force me into foreclosure? That is not negotiating in good faith! I purchased this house with a mortgage from CITI in the condition that it is in, the parts of the house in which the XXXX violations were given existed at the time of the loan. CITI is also liable for those violations for they had knowledge that these parts of the house existed. I was unaware that the parts of the house in question were illegal and in such closed on the house after review by CITI. In such CITI is responsible in helping me out of foreclosure and assistance in taking care of the XXXX which are mandatory by XXXX
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| 12/09/2019 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Unable to open an account
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Web |
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In the beginning XXXX I attempted to open a Citibank checking and saving account due to their attractive bonus and my need for a new bank to work with. I funded the savings account with {$15000.00} that was required with the intent to place {$25.00} to the checking to meet the requirements. A couple weeks after applying to open the account I never heard from Citi Bank. The savings account was funded but I was unable to transfer money from my savings to checking. I then called and they stated there was a block on my account but that it was a mistake and would be removed. The dates of my calls I can not distinctly remember as I have called over 15 times. Another week went by and I called again and was told there was still the hold but it was no mistake and it was due to the need to verify my identity. This made sense to me but I was a little confused why they never sent me any email or mail correspondence regarding the hold. After several more calls, I finally get an email about filling out their verfication forms. I filled them out the same I recieved them, XX/XX/XXXX. I called the number as the email directed as it stated " Your submission will be reviewed within 3-10 business days. If you have not received a response after 10 business days, please call XXXX option 2 for assistance. ". I have called since then 5-7 times and each times I am able to speak to a manager who tell me there is a block but they are unsure why it is still there. Sometimes they tell me it is because they still need to verify me but can see that my forms are submitted and look good. They then tell me that it is the 'back office ' who must review them and they can not undue the hold. It has been 2 months of this 'back office ' never getting back to any of the emails the supervisors send on my behalf. I reach a dead end with supervisor and anyone on the phone and they will not provide an email or phone number to this 'back office '. They won't tell me why it my identity is not being verified and I have never had any issues in the past. Three weeks ago I ask to close the account since I just want my money back but was told it is this 'same back office ' who processes this request and have never heard any response back about this request. I have attempted to transfer the money out of my accounts via external transfer to the same bank I funded it from which was approved for inter instituional transfers on XX/XX/XXXX but each time it gets rejected with no known reason. The last time this occurred on XX/XX/XXXX, I was told it 'might ' be an automatic trigger from the system since I tried to transfer such a large amount and their fraud system kicked in. They say to try again. It gets rejected again. They don't know why. So right now I feel as though my money is trapped in Citi Bank. I can not fully open the account without signficant holds, I can't close the account because the same people who undue the holds won't respond to fully open my account and they won't let me transfer my money out of the account. There is no physical branch near me for me to speak with someone in person either. Ideally, I would like to simply transfer money back to the account it came from and be done with Citi Bank for good. I would like the bonus offer I qualified for and should get as I met the requirements. Most of all, however, I want my money back in a timely manner since it is over {$15000.00} and I have bills to pay.
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| 04/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The complaint I am filing is to against CitiBanks Dispute Department. We disputed our Credit Card charge because we purchased the XXXX but never received any service. The charge on my credit card for {$1700.00} USD is listed as " XXXX XXXX XXXX NV ''. The whole thing is a scam and we are the victims. We need CitiBank to continue the dispute process and help us to get back our {$1700.00} USD. Citibank denied our dispute request only base on weve signed the purchase agreement. However, CitiBank did not see the fact that we have never received any service from the merchant at all. We are very disappointed for the XXXX credit card dispute result. I called and spoke with the dispute supervisor XXXX and XXXX XXXX from Team # XXXX, they did not help. They refused to provide their last name either. I believe as a Citibank customer, our right should be protected. Citibank should not turn us down without even seeking our side of the fact.
Here is our story : My husband and I got scam while we traveled in XXXX in XX/XX/XXXX. We got ripped off bad by XXXX XXXX XXXX. We purchased the XXXX for {$3400.00} USD, which promised to provides access to the website XXXX and lots of benefits such as free stays, low rate 5 stars hotels, etc. The salesman, XXXX XXXX XXXX convinced us to pay 1/2 of the full payment first, which was {$1700.00} to start the tryout opportunity for using their discount rate hotel booking system online. XXXX XXXX asked us to initialized and signed the contract, did not worry about it says no refund, no cancellation. He guaranteed once we try it, no one will cancel such a great deal. He asked us to initial every items on the contract, including To make your reservation with this promotion your purchase must be paid in full. He explained this term meant that we can not book for free stay in their resort until we paid in full ; however, once we paid the {$1700.00}, we can start to access their online hotel booking system for the discount rate, such as $ XXXX/week for 5-star hotel worldwide. The deal they were offering was too good to be true, and we were not thinking straight enough to see through their scam after their affiliate sales team provided us with pina coladas and beers so nicely. The fact is, we have never received any online access, nor even a welcome email from XXXX XXXX XXXX as promised after we paid. We've been calling XXXX ( XXXX ) XXXX numerous times since XX/XX/XXXX. Yet, messages left but never received a return call ; and never able to reach any live person either. They ripped off our {$1700.00} payment and did not provide any service. This is not the deal that we were promised, and we requested a full refund. I emailed to their customer services, XXXX and XXXX. XXXX XXXX XXXX replied as : " Hello again, this is not a scam. Your membership activates after you pay the full purchase price as written in the contract that youve initialized and signed. If you want me to give you an example, you go to a nice shoe store and want to own a nice pair of shoes. You only pay the half of the shoe and you want to wear it out the store. Would you call that a scam? ~Mac AKKAN ''. At this point, they don't earn our trust, and we don't want to activate our membership with this company. The whole thing is a scam. We need CitiBank to help us to get back our money. First dispute filed on XX/XX/XXXX. Second dispute filed on XX/XX/XXXX. CitiBank denied our requests.
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| 02/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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Following the recent announcements with Citi I decided to do some account research and noticed some irregularities in the APR I was charged on an account over the 18 years that I had my account. This notification is in regards to a Citi Dividend card that I own. I opened the account in XX/XX/XXXX with an interest rate of 8.90 %. Between XX/XX/XXXX and XX/XX/XXXX the rate on that card moved around from 8.90 % to 19.24 % and back down to 14.99 % which is where it was at yearend XX/XX/XXXX. The account then increased in rate to 19.99 % in XX/XX/XXXX without any known reason or notification that I can remember or have record of. I believe the Card Act prohibited banks from increasing the rates as they had done prior to XX/XX/XXXX. In XX/XX/XXXX the account was moved to 29.99 % under something called an " Interest Back '' program where I would receive 10 % back of the interest charged at 29.99 %. Not sure exactly why this occurred but it did. Then, in XX/XX/XXXX the account moved to an APR of 26.99 %, which I am not sure why that rate since the last regular rate I had was 19.99 % in XX/XX/XXXX ( although it was 14.99 % in XX/XX/XXXX and where I believe it should be currently ). The rate remained at 26.99 % until XX/XX/XXXX when it was moved to 29.99 % again for penalty pricing it appears. I don't believe the account was ever more than 60 days past due so it should not have gone into penalty pricing. It has remained in penalty pricing since XX/XX/XXXX ( almost 4 years ). There have been some instances when due to timing of payments processing and late mail that late payments have occurred, but the account has never been more than 60 days past due from the records I have. Late charges have been assessed and paid accordingly. The account has been current for at least 18 months currently, yet the account remains in penalty pricing at 29.99 %. I recently spoke to a customer service representative on XX/XX/XXXX about the penalty pricing and that I did not believe the account should be in penalty pricing of 29.99 % and the representative and the supervisor I spoke to said that it was properly in penalty pricing due to their methodology. This appears to be in violation of the XXXX Card Act rules, which is why I am sharing these details with you. I tried to get this cleared up with Citi, and their customer service did not feel that they had done anything wrong. As I have dug into the account deeper over the past few days I really do not know why the account APR ever increased from 14.99 % which is what it was in XX/XX/XXXX. Citi has continued to increase my credit line to where it is today at {$5900.00} from a starting point of {$1100.00} in XX/XX/XXXX, which would normally be positive feedback but the APR remains much higher than the 14.99 % rate. I do admit I should have looked more closely at the rates on my statements earlier, but I assumed that there were rules in place to prevent it from increasing, and an expectation with Citi that they would not just raise my APR inappropriately.
I am requesting that I be refunded all interest paid in excess of the 14.99 % rate starting in XX/XX/XXXX, which appears to have been the rate I should have been charged all of these years since XX/XX/XXXX. There is nothing that I know of that should have increased that rate to 19.99 % in XX/XX/XXXX, and then all the way up to 29.99 % at the end of XX/XX/XXXX where it remains today.
XXXX XXXX
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| 09/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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Acct # XXXX XXXX XXXX XXXX My Citibank card was compromised, unauthorized payments to bogus or closed accounts were attempted for reasons i am not sure of. As a result of this fraud I have received charge-back fees and Citibank closed my account ; reason given was payment chargebacks. Citibank reported the inaccurate balance and account closed to the credit bureaus having a huge negative impact on my credit. When the true responsibility is actually Citibank and here is why.
For the past 2 plus months attempting to sign online to view or manage my citibank simplicity card has been nothing short of an arduous deal, to the point that I literally fear the thought. I have contacted XXXX numerous times, explaining the difficulty making my payments and managing my account.
When I or most consumers receive an error message attempting to sign on, we spend long periods ( 20-30 minutes ) trying different browsers, resetting passwords, which then must send a code and enter other verifying information.
-error messages include ..our server generated an error while processing your request or - getting a blank screen or entering the wrong password, but everytime I reset the password I get the same response. Then I finally call customer service, I wait on hold for 5,10, 15 minutes or longer. I get someone from XXXX or XXXX. I have to explain the entire situation, they transfer me to another department, on hold again, when a representative finally answers, I have to tell them the entire same story I just told the last rep., then we go through the identity process and finally the Citibank rep. instructs me to -Use a different browser ( doesnt work ) -Clear cookies and cache ( doesnt work ) -restart computer -another reset of my passcode Finally, the rep. Admits this is a known problem and they are working on it. That was over a month ago. I was on the phone for over an hour, plus the time i spent prior to calling, took nearly 1 hour 45 minutes.
I do not have that kind of free time. Monday - Friday, I must get up at XXXX ; XXXX, leave for work by XXXX and do not get back home until XXXX. I am exhausted and do not have the mental strength to go through something like this.
What truly XXXX me off is the fact CITIBANK is aware of this and does not inform their customers, this would have saved me all that time and frustration of trying to figure out if the problem is me or my equipment and then all the wasted time on the phone.
On top of all this, I am unable to make a payment or monitor my account. Which is how my account is compromised and I am unaware of anything until I receive a letter from Citibank that they closed my account due to payment chargebacks.
So i begin conducting some research, ( more hours of my time spent ) and find out there are thousands of similar complaints all over the web. Here is one link http : //downdetector.com/status/citi In then contact a friend who is a computer detective, does work for the FBI on ( computer crimes ) and I find out the reason Citibank acts like the problem is a simple fix and the fault of my computer or browser, is to cover up the fact their website has been continually hacked and consumers information compromised. I have been informed from very reliable sources Citibank has been covering this up for many months and lying to me and other clients about the security of their produce and our information. Really freaking unbelievable!
|
| 05/07/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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In XXXX XXXX , financial counselors at XXXX XXXX XXXX advised me orally to declare Chapter XXXX bankruptcy. Before taking such a step, as debts arose during a time when my judgement was impaired, I sent Citibank a modest proposal for debt settlement on XXXX XXXX , XXXX , explaining the accrual of debt arose from health problems which persisted, preventing me from earning income sufficient to make payments. Citibank declined to respond with a written proposal for a settlement or other arrangement. Also on XXXX XXXX , XXXX , I requested validation of the debt, including a copy of the contract and credit card statements for the past three years. On XXXX XXXX , XXXX , a letter from Citibank declined to provide me with a copy of the specific contracts applicable to my transactions, declined to provide me copies of any statements, and yet affirmed the validity of the debt for which it offered no documentation and for which it would not supply specific contract details. Citibank also made assertions in the letter that were misrepresentations of material fact or statements of fact that had the tendency to mislead. On XXXX XXXX , XXXX , I responded to Citibank, specifically addressing these concerns : " In your letter, you indicate that, We [ Citibank ] have regularly sent you monthly statements to the email address provided to us : XXXX XXXX XXXX . This would appear to be an intentional misrepresentation of material fact, in likely violation of consumer protection laws. On information and belief, Citibank sent notices ( not statements ) to this email address that my statement was available to view, should I be able to access the statement online at Citibanks website. Citibank did not email the statements themselves. That said, I have no records of any statements because Citibank never sent me any statements, and has now prevented me from accessing the statements on Citibanks website. I therefore asked for the statements from the last three years to be sent to me so that I could review them for validity of debt. Citibank has denied this request, and now has misrepresented material facts regarding the transmittal of statements to me. This is suggestive of systemic consumer rights violations. Citibank is seeking to collect a debt without providing proof of validity of debt. '' In its XXXX XXXX , XXXX letter, Citibank expressed that there were in existence contr act ( s ) between us and that I agreed to the contract s ( s ) of an ever-changing credit card agreement by mere use of the card. Citibank sent me an " examplar card agrement, '' rather than the precise agreements that Citibank indicates applied each time I used the card. I do not therefore possess knowledge of or have access to the actual contrac t ( s ) Citibank indicates I agreed to by using the Card, as Citibank h as refused to send me these specific contracts. On XXXX XXXX , XXXX , I wrote a letter to Citibank i ndicating : " During the period in which I used the credit card and accrued debt, which has yet to be validated, I was XXXX XXXX and incapable of entering into a binding contract. I did not understand the terms of the contract, or what I was agreeing to, and I did not have sufficient self-control to properly abide by the contracts terms. '' On XXXX XXXX , XXXX , a professional XXXX diagnosed me formally with a XXXX XXXX
|
| 01/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Failed Dispute Center Citi Mastercard Citis Dispute Center system has failed me. Every customer service representative I have talked to, agrees that the documentation I have provided clearly proves the dispute in my favor. I provided the documentation per Citis requested timeline and have the email saved ( attached ) to prove that, however Citis current status says that the timeline has expired.
On XXXX I purchased a XXXX XXXX gaming console for {$190.00}. The vendor shipped instead a phone case! The tracking number was used by the vendor to prove that a package was delivered. I was initially shocked receiving the package, but relieved when I recalled that my credit card has protection to prevent this type of fraud! I'll just file a claim -- - but here is where I learned that my credit card company is not organized well to act on my behalf.
*I submitted all required documentation to Citi on their timeline. The agents tell me that they can clearly view the information that I sent, on the proper dates. However the official letters I receive from Citi declare that they received no response from me.
*The Citi representatives are quite friendly and understand the dispute completely, however they have no decision authority and instead need to submit paperwork to the backoffice.
*I have requested several times to speak to a manager, even once was told that a manager would call me backbut I have never been able to discuss my dispute with anyone beyond the 1st level of customer support.
*I am told to wait 5-7 business days for any response.
*Many times the automated phone system hangs up on my call.
*A notice appears several clicks deep into My Citi Account, but despite having account alerts enabled, I am never emailed notification of these messages.
On XXXX I filed dispute XXXX with Citibank, my credit card company. Citi requested all information for the dispute by XXXX. It seems that Citi did not file my paperwork on time with Mastercard, per the latest communication from them on XXXX, stating The time frame in which to resolve a dispute is established by Mastercard, not Citi and state that you must supply a response to the merchant 's rebuttal we sent to you within the specified time frame. We have no rights with which to compel the merchant to issue credit for this charge. Our investigation remains closed.
On XXXX I emailed Citibank all documentation of the dispute XXXX attached ). This includes the vendor invoice, tracking number, XXXX tracking status showing that it was not a 4lb package but a 2oz envelope, photo showing the envelope with tracking number, photo of the envelope received with tracking number and phone case. On one occasion ( XXXX XXXX XX/XX/2020 ) an agent told me that my email was received but no images the contents of my letter provide a detailed enough description to fulfill the claim : the tracking number, 3rd party evidence from XXXX that the package weight was incorrect. On two other occasions the agents confirmed that my images were visible in the original email ( XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 ) Chat transcript agent confirms documentation received in time.
I am surprised that Citi has not engaged more on this dispute, as this scam/scammer seems to have slipped through their fraud detection. If Citi was truly acting in the best interest of its cardholders, Citi would want to learn as many details possible from new scams.
|
| 08/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
I have a credit card with Citi Bank/ XXXX XXXX XXXX. I never missed a payment and always payed XXXX over my original note. I went out the country for vacation in the month of XXXX XXXX and had a final bill of XXXX from XXXX XXXX XXXX. I doubled my monthly note to pay that balance off. I have my bill set up for automatic payment for a long time now. Last month I started receiving notifications stating I was late and not paying enough, I was very confused because I'm never late and always pay on time. After two weeks of going back and forth with Citi Bank, the bank accuses me for signing up for a promotional balance. The accusations came from multiple management team members stating I called and signed up for s promotional balance. ONE representative accuse me of signing up through email, one accused me of cwllingbfor thr promotion, as of XX/XX/XXXX a representative accused me today of clicking on a email link. I ask for two weeks to show me proof and they can't show proof. My interest rate increased effectively without my consent and I didn't sign up for s promotional balance. I need to retrieve proof from either phone records, records of a email, or my signature that I signed up for a promotional balance. The representatives have condemn me and refuse to show proof, 3 different dates were given when I sign up for an email promotional balance. When I prove to them I received no emails from Citi Bank on the dates accused, on XX/XX/XXXX the presidential department representative assume it was a email link. Please help me. My XXXX payment went to XXXX by choice and now this company sent me a bill for XXXX a month. If this company can show you any paper trail proof to your company I would appreciate this. Please help me. This company is wrong, please request my payment history. You have my permission. I have all recording, I can send them through thumb drives or emails. The inconsistency and different stories of accusations of how the promotion offer was opened is so unprofessional because thr represenative also made thr comment that anyone could of clink on the link. The payments I've been making since XX/XX/XXXX didn't amount to anything because of the ghost interest that was placed upon me. My credit is impeccable and the interest as of date is 24.99 %. I don't conduct professional business with an elite credit card company by clicking on a link. I can provided the proof of how this company refuse to show the proof they don't have. XX/XX/XXXX the balance was XXXX with a minimum payment of XXXX. On XX/XX/XXXX my initial balance was XXXX with a minimim payment of XXXX. XX/XX/XXXX XXXX XXXX was XXXX this is the target promotional balance. I noticed the balanced wasn't going down so I added an extra XXXX to bring the balance down, never late. I don't entertain paper billing because I'm double payment set up on automatic payment. When I noticed my balance wasn't going down I tried to get into my account with the same password I used for years, I got lock out. With best Reguards I need your assistance with proof I sign up for a promotional balance that I didn't touch. This credit card company have and attempting to drain my other monthly bills and responsibilities. I'm never late and this isn't right they can't show proof but demand to charge me for something I didn't need to sign up for because I'm a responsible customers who pay on time no matter how much the balance is.
|
| 07/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
I am getting contacted by a caller stating they are a processing department ( that's what they say in the message ) about a debt that I am not familiar with that is from XXXX based on what the person said when I called back. The first call came from a dialer on XX/XX/XXXX, and when I answer they provide a contract number- they do not announce themselves as a debt collector at first. I called back asking about the company and the contract and what it was about and at first they were forthcoming and said they are XXXXXXXX XXXX XXXXXXXX, but when they said it was an attempt to collect a debt, I asked for specifics, and they started giving me dates that the application was in XXXX and paid timely until XXXX and then just stopped. XXXX is not a time I would have been applying for credit cards, and they stated my employer 's name as a name that I've never heard of. The first time, I asked the person on the phone to spell the employer name, because I wasn't sure I was hearing correctly and was trying to XXXX it - the name they were saying was completely unfamiliar to me, so I wanted to XXXX it and see if it might have been a XXXX on an actual employer I may have had at some point, but the name didn't come up, and they wouldn't confirm the spelling and started getting hostile and asking if I'd been served yet ( which I haven't ) and telling me that they were going to contact my employer and take action against me if I didn't pay the amount they were stating ( around {$2300.00} ) and that if it went to court the amount was more than doubled ( over {$5000.00} ) and I would have to take up the dispute with the judge and pay the higher amount. I then repeated multiple times that I never had that card and would not have had any card during that timeframe and that the employer was not anyone I'd worked for - I repeated myself more than once, they kept threatening that they were calling my employer next and starting legal action, and then they hung up on me- I'm not sure why I would have been served if there was no legal action. I also told them I monitor my credit reports almost daily and that debt is not on my reports and again, not my debt. They called again XX/XX/XXXX, and gave a different contract number, so I called back and got a different group that said the debt under a different creditor name and then finally put me on hold and a different person picked up- it turned out to be the same person as the week before and eventually, the same debt as the original call. I again restated the debt wasn't mine, and she said she was calling my employer to start the process for garnishing my wages and made the same threats about legal action. I tried calling the company they said was the original creditor, Home Depot but that company does not have records back that far to see who submitted the application, and their dates did not match up to what the caller was saying for an application under my name- they found an account under the same name as mine that was charged off in XXXX, but they had no further detail that could help me figure out who submitted the application or when. The processor has called two more times in the last few days, XX/XX/XXXX and XX/XX/XXXX and I have not been able to answer- it is always a robocaller. I listened to the message, but I did not call them back. They left a message today saying this was my last warning, and next would be the call to my employer.
|
| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
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Web |
|
|
this is the letter is sent Citibank Credit Bureau Dispute Unit XXXX XXXX XXXX XXXX XXXX, SD XXXX on XX/XX/XXXX : I am writing to this department to address an issue I have with the reporting of my Citi XXXX credit card account XXXX XXXX XXXX XXXX to all three credit bureaus ( XXXX, XXXX, and XXXX ). The primary account holder is SS # XXXX of ( address and ph # removed ) and I am the authorized user on the account ; ( information removed ) This account has always been reported to my ( Authorized user ) credit report with all three bureaus for the past ten plus years as an authorized user. In XXXX of XXXX the aforementioned Citi account dropped off from all three credit reports even though the account is active and in good standing. I researched your company as it pertains to authorized users and have determined it is your ( Citi ) policy to report authorized users to the credit bureaus and have confirmed this with your customer service agents on four separate calls I made to address this issue from XX/XX/XXXX-XX/XX/XXXX. Unfortunately, I have received varying responses from the agents pertaining to this issue. Both my mom and I called and confirmed the SS # on the account and verified the addresses to ensure that the correct information is on file. Just recently I was informed that I had to submit this request to the Credit Bureau Dispute Unit and that the Customer Service Agents could not assist me ; I wish I was told this back in XXXX when I first started calling.
My request is simple ; I would like this account to be reported on my ( Authorized User ) credit report with all three bureaus ( XXXX, XXXX and XXXX ). Attached you will find a copy of my XX/XX/XXXX reports from XXXX and XXXX, I was not able to pull a historical report on the XXXX website, but the account was being reported to them as well. XX/XX/XXXX was the last time it was reported to the three credit bureaus ; the XXXX reports do not have any information reference to the Citi account. I will include the XX/XX/XXXX XXXX report to show the omission. Let me know what else you may need.
Sent a new letter on XX/XX/XXXX : Update XX/XX/XXXX : Upon receipt of your response dated XX/XX/XXXX ( attached ) you indicated that the acct/card above ( information removed ) is being reported to all three major consumer reporting agencies and to contact them directly in reference to the account not showing up on any of my credit reports. Upon learning that I wrote a similar letter to all three agencies asking for them to kindly report the information on my credit report. On XX/XX/XXXX I received a letter in response from XXXX ( attached ) that indicated that they are not receiving the account information from Citi. Now I am confused. Which one is it? Can you please report the account ( information removed ) to the three major reporting agencies as it was prior to XX/XX/XXXX?
I have made numerous calls and sent numerous letters to Citibank as well as the credit reporting agencies, they are all pointing the finger at each other as who is responsible for the reporting mishap. Please help me, this is negatively affecting my credit score and the inaccurate report is affecting my ability to get approved for a reasonable rate mortgage and vehicle loan and the higher interest charge will cost me thousands of dollars all because of inaccurate and missing information that no one wants to be responsible to fix.
thank you
|
| 06/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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On XX/XX/2019 I made a cash payment in the amount of {$690.00} upon finding out from the merchant that I can use cash rather than my credit card. Unfortunately, the trainee at the location held my card prior and ran it though. I was assured that it would fall off the card as I paid cash.
After the time, it did not fall off and I was charged on my citi card as well. I disputed the charge and they did an investigation. They asked me for documentations of what happened. The problem was that the card was hit and should have just been removed. When I went home that day, the credit card showed pending, and i was assured it would fall off. I reviewed my cash receipt and realized that I was charged for things that I didn't agree too and immediately called the merchants corporate office. He said for all of my troubles, he could provide me with my cash refund of {$580.00}, I could pick it up at the branch or he could send a paper check. I did not feel comfortable going to the location and wanted the instant funds returned in case the check would never arrive. He said that I can put it on any card as it is my cash refund. I decided that I would pay my citi card so that I could pay it down.
I waited 4 more days and logged into my account, the transaction that was to drop/fall off now hit the account. Citi immediately assumed that the cash that was returned onto my card was for the pending, now non pending charge. I was instructed to get a letter from the merchant explaining this. I sent it to them. They still did not understand what was going on. A simple charge that should have went from pending to removed. So I spoke to managers and supervisors at citi ... they assured me that they would work with me as I am protected. One manager said to obtain a good faith letter from the merchant, this was on XX/XX/2019, almost a year later!! I, with more running around & getting the runarounds, obtained another letter from the merchant explaining that the {$580.00} credit was not to be touched as that was my CASH that I applied to my card as a payment on my account and that the {$690.00} is still owed fully to me as it should have been an easy double charge wipe by citi. I called to follow up to make sure the letter was rec 'd by citi. Again, I spoke to a supervisor and was assured that with the good faith, if the merchant doesn't respond within 31 days, XX/XX/2019, they ( citi ) would take the full {$690.00} away from my card balance.
I called a few times in between to make sure this was still going to happen. Every time I called in, the rep would say " I am sending this to our investigator to make sure an update is provided asap '' & every time i would hear nothing. Now it is close to XX/XX/XXXX, I figured I would call XX/XX/XXXX, and was told there is nothing that can be done. After almost a year, I am being told nothing can be done. Why so many different promises & working to get the items needed for a simple fix. It should have been handled right away, but no one can understand what is going on over there ... & they handle our money. I don't trust them with any of my transactions anymore. I asked them what all the running around was for that I had to do and all of the follow ups. I was assured multiple times by reps and managers that this would be resolved as I am protected as a citi card holder with a good faith letter. It is almost a year later & I am still getting runarounds.
|
| 09/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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On XX/XX/XXXX, I received an email alert that my credit rating had changed. I logged in and saw that there was a Citibank XXXX XXXX XXXX account that had past due payments. I had no idea about this account and have not made any late payments on any of my personal accounts. I have one Citibank credit account that is fully paid ( and authorized as I applied for it ). I called XXXX to see if this was an error and was told no it's valid on my account and I disputed this.
I next called the Citibank phone # on the report and was bounced around from departments as no one could give me information as I did not have account info. I gave them my Social Security and they still could not help me so I went into the Citibank branch at XXXX XXXX XXXX # XXXX and asked to speak to a person. The man I spoke with said I was on a joint account with my mother, owed {$7700.00} and was several months past due. Since this was the first I ever heard of this joint loan he suggested I send a letter to validate debt to the bank ( which I mailed via certified mail on XX/XX/XXXX XXXX.
I then contacted my mother and she would not tell me how I got on this account ( I do recall she had me added for 'emergencies ' to a Citibank XXXX and savings account - no loan or credit cards were ever authorized by me under my name ). I then told her she needs to pay this loan off immediately as I'm being penalized and after threat of legal action she wrote a check to Citibank which I picked up and paid off the full amount in the Citibank # XXXX on Monday, XX/XX/XXXX. At that time, I also asked that a statement showing the account was paid off and closed be sent to me at my address since I am being held responsible for this debt ( which is different from my mothers ). I provided my address. I also asked to speak to a manager if there was a way to get the negative credit off my account since I never authorized/knew of a joint loan and also collected the money due to pay off this account. I was told no one could speak to me and to come back. So I went back to the same branch on Wednesday, XX/XX/XXXX and was again told no one was available to speak with me and then made an appointment to speak to the branch manager on XX/XX/XXXX at XXXX. On XX/XX/XXXX I spoke with the Branch Manager of # XXXX and explained my issues XXXX clearing my credit report, getting a copy of the account being closed from Monday and also information/copies of how/when I was added to a joint credit account without my knowledge ). She said it looked like someone signed for it at a branch in XXXX XXXX in XXXX and that sometimes if the customer knows a teller they will waive and accept that as authorization. I have never gone to a Citibank in XXXX XXXX ( or even anywhere in California as I don't bank there ) so if that is true then there was fraud on both parties by adding me to this Loan without my knowledge or authorization. Branch Manager said she'd follow up and get back to me.
From XX/XX/XXXX to XX/XX/XXXX I have not heard back or received any paperwork in the mail so I sent an email to follow up. She called me and emailed me back on XX/XX/XXXX. I unfortunately missed her call so left 3 more messages and sent another email on XX/XX/XXXX. I have exhausted all options to get information on this account from Citibank. I would like proof of signature, a copy of the loan application, and a copy that this account was paid off and closed.
|
| 12/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I hired a building contractor to remodel my kitchen and bathroom in XX/XX/XXXX. The builder had me pay them XXXX in advance -- which amount I paid with 2 Citibank credit card payments. The company demolished my kitchen and bathroom and purchased some uninstalled cabinets and abandoned. the job. I tried to resolve the matter with the contractor who would not reimburse me.
So I contacted Citibank and disputed ONLY ONE of the two payments - the payment on XX/XX/XXXX in the amount of XXXX. ( I decided to allow the builder to keep the second payment of XXXX ( even though according to a 3rd party building inspector, the actual value of the goods and services was XXXX ).
So it was very clear that for the amount of XXXX NO WORK WAS DONE OR MATERIALS RECEIVED. According to some of the many Citibank employees I spoke to, this seemed very clear cut.
I filed the dispute with Citbank on XX/XX/XXXX in the amount of XXXX and they repeatedly asked me for more back up and third party assessments, contracts etc. All of which I provided. While still explaining that NO GOODS AND SERVICES WERE PROVIDED FOR THE XXXX that I was disputing. I had left them with the other payment.
This Citibank process started on XX/XX/XXXX until XX/XX/XXXX. I did not receive any regular updates so had to repeatedly call Citibank. Every time I spoke to a rep they said that it seemed clear to them but they aren't the ones making the decision. They made notes ( which they read to me ) to clarify the situation and were to be sent over to those assessing the situation ( with whom customers can not talk ). I spoke to an employee XXXX who suggested I send an update letter in XXXX to try to make sure all were clear on the claim since they continued to ask me for irrelevant information ( see attached ).
However, this department seemed confused throughout the process as they asked repeatedly in emails for the same information, including if I had '' returned the goods ''. But as you can see from the above, there were no goods to be returned. No goods or services were received for the XXXX it was free and clear and rightfully should have been reimbursed in full.
After multiple contacts, finally in XX/XX/XXXX, a representative named XXXX said he would try to clear up the confusion on this and said that he would assist me. In fact he committed to call me weekly from when we first spoke to give me an update. He called me weekly and left messages or told me it was still in process but he had no news. Until early XXXX, when he called and said that there is nothing Citibank can do and the case is closed.
It is clear to me that there was an error in the process and miscommunication and confusion between one department and another which prolonged processing this dispute for an unreasonable time without a positive resolution.
After XXXX told me this, I requested to talk to a supervisor ( even though XXXX claimed to be a supervisor ). He had a woman call me who just said exactly ( word for word ) what XXXX told me that there is nothing they can do and did not give any explanation. When I asked her if I could speak to a higher authority, she hung up on me.
I have been a Citibank customer for decades and I was extremely disappointed and shocked that such a reputable company handled such a clear cut case ( as stated by a few of the Citibank employees I talked to on recorded calls ) in such a negligent manner.
|
| 11/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
On XX/XX/XXXX I received an email that said money would be charged to my XXXX account for a XXXX purchase. I XXXX the XXXX XXXX customer service number and was fraudulently led to believe that the person I called was a XXXX representative who would assist me with this issue. The number was XXXX, and he called me back several times at XXXX. This person said several things were charged to the XXXX account, specifically someone from Alabama and Florida attempted to charge the account several times. To fix this issue he said to download an app called any desk remote to see the accounts and he would put a block on these accounts. Since I believed he was a true rep I allowed him to download this app to view the accounts to fix the issue. He said to stop any further activity dummy accounts would be set up on XXXX and XXXX XXXX and to transfer money to them. There were several times when money did not go through and a pop up came on that said access denied and he said that's what we want. However when I checked my account {$2000.00} was gone.
Specifically this rep did so many transactions that it appeared he was helping by blocking further fraudulent transactions, but in fact he was adding small amounts of money to the following persons via XXXX.
XXXX. XXXX XXXX {$99.00}, XXXX, and {$240.00}.
XXXX XXXX- {$630.00} XXXX. XXXX XXXX {$99.00} Then he did the same with cash app for amounts of {$140.00} and {$130.00} for XXXX. He claimed these were also dummy accounts and this was the only way to block future fraud.
In the end {$2000.00} was taken from my Citibank savings and checking accounts under false pretenses. These false pretenses were that the person on the phone was a trusted rep and that he was fixing a fraudulent issue. Never did I authorize him to take my money for a purchase or personal use. This money was an unauthorized transaction.
Immediately after this happened I called Citibank. Citibank said they would conduct an investigation and would possibly provide provisional credit. However I did not receive provisional credit and in fact when I called to follow up about it they said a letter was drafted and dated XX/XX/XXXX which said that I authorized these transactions.
I find find this outrageous and feel Citibank did not do a thorough investigation. A determination was made less than 24 hours of the call. Furthermore, I received e-mails and texts from the bank that said they suspected there was unauthorized transactions and please call if it wasn't you. I complied with this, and Citibank unreasonably denied any credit.
This fake rep also took a XXXX credit card out in my name and charged {$99.00} on the card to XXXX XXXX. The credit card is under synchrony. After their investigation they deemed this charge to be unauthorized and the account is now closed. If synchrony saw the fraud Citibank should also honor the fact that this is unauthorized as well.
I have been a customer of citibank for over 25 years. They never even considered my transaction history or habit involving XXXX. This is an account I rarely use. Additionally, there were several amounts all sent in one setting to accounts that were never previously used.
This is very upsetting to me because this isn't a small amount of money and I depend on this to pay mortgage and my sons college tuition.
I have also filed a police report and they classified this as criminal impersonation.
|
| 04/02/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I have been using Macy 's XXXX XXXX card for several years now with no issues of any kind. I always pay off the card as soon as possible when it becomes possible to make a payment on Macy 's website. On XX/XX/2021 I made a purchase at a Macy 's store XXXX {$53.00} XXXX. After about a week I went online to pay off the card. After I completed the payment I saw the usual screen confirming a successful transaction and crossed the payment off my list. I haven't used the card since then. On XX/XX/XXXX I received a voice message asking me to call Macy 's. I thought there might be some scam going on, went to check my account online and saw that instead of {$0.00} balance I had {$120.00} balance and it was not any additional purchase I never made but " late fees ''! The account looked as if I had never paid off that {$53.00} balance. I immediately checked my Citibank account that should have the record of the transaction from the middle of XXXX when I paid off the card - and found nothing. So apparently what happened is even though I was shown the screen confirming successful payment after I completed it on Macy 's card website, no payment actually went through, there was no warning of anything incorrect and no communication from Macy 's regarding unsuccessful transaction and later potential late fees. I called Macy 's to explain the situation and they immediately canceled the late fees and I paid the initial sum via phone ( confirmed by Citibank ). I was really shocked by all that but the worst was yet to come : several days after that I received an email informing me that a late payment on my account has been reported to Transunion! I called the number dealing with Macy 's credit card again and after multiple conversations they still refused to remove the late payment from my report saying that they understand the situation but they can't do anything because I can't give any document to support that I made that payment in the middle of XXXX. I asked them again and again to look at my history of years of immediate payments of much larger sums, including recent history, the size of the credit line, etc - all of which make it unbelievable that I would just miss a payment like that - but they keep repeating I have no document. I realize it was my mistake not to have taken a screen shot of that " successful payment '' screen - but after such a long history with Macy 's and no issues any time I guess I was naive enough to trust them. According to XXXX, they have now destroyed the credit history that I have built up over the years and have so carefully maintained - 90 points lost. I can't believe that they should be allowed to do something like this to people and that there is no remedy. I understand we all make mistakes and any website, even a really good one, can have a glitch but to refuse to correct the error of this kind and damage a loyal customer 's credit score to that degree is very wrong, especially in these times. I am sure I am not the only person who finds herself in this situation because if a glitch like this happens once it is sure to happen again and Macy 's XXXX XXXX representatives will again provide no warning of no actual transaction happening, send no email regarding potential late fees alerting their customers that something went wrong and then proceed to cause potentially significant financial difficulties to them by damaging their credit history.
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| 11/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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When I began the process of purchasing my first home in XXXX, I explored mortgage rates with Citi Mortgage. Unfortunately, Citi performed an illegal ( under the Fair Credit Reporting Act ) credit inquiry, then refused to remove that inquiry. The results of this were that 1 ) my ability to obtain credit from other lenders was inhibited, and 2 ) I was coerced into accepting a new, higher rate from Citi.
I have included all relevant emails from this encounter. Here is more detail : On XX/XX/18, I reached out to a Citi Mortgage representative via email, per the recommendation of my real estate agent. In asking for a quote for a mortgage rate, I wrote " I'm happy to provide any other information that you need, and please of course feel free to pull a credit report, so long as it's a soft pull so as not to impact my score just yet. '' ( see attached : XXXX Complaint 1 ). Three days later, I was told that Citi had in fact made a hard inquiry. Wanting to get rates from Citi 's competitors, I insisted that Citi remove the inquiry ; over the ensuing weeks, I was told that the inquiry did not impact my credit score ( which is, of course, incorrect ), that the inquiry would be removed, and finally that it would not be removed (! ). Meanwhile, I did reach out to competitors to get rate quotes, and, with the illegal inquiry still in my report, the rates that were quoted were higher.
Meanwhile, when it came time to finalize the rates, I was offered a higher rate from Citi than the rate initially offered. I gave Citi several opportunities to honor their initial rate, but they refused. With no other options -- I couldn't risk losing the property, and, because of Citi 's anti-competitive practice of refusing to remove the inquiry, I couldn't get a fair rate from a competitor, as my credit profile was incorrectly tarnished by the illegal inquiry -- I signed the contract.
I repeatedly attempted to allow Citi to do the right thing and honor the initial rate, but they refused. It wasn't until the beginning of XXXX that I finally got a call from Citi 's escalation department, saying that they would take no further action because I " signed the contract ''. ( Note that they did attempt to get back to me by phone earlier, we just didn't connect by phone. ) While there are a lot of components to these events, to me, the narrative is straightforward : Citi was abusive ( making an illegal inquiry, then refusing to remove it ), deceptive ( telling me that they were working on removing it, only to later tell me that they had stopped trying to get it removed ; telling me that a hard inquiry " did not and will not affect [ my ] fico score '' ), and anti-competitive, forcing me into a contract that was unfair, given their behavior. All of this is clear from the attached emails.
The remedies that I asked for were simple and appropriate ; initially, I asked them to remove the inquiry in a timely fashion so that I could explore rates with other lenders. Once it became too late to do that, I asked them to honor the initial rate that they promised, and that I could have locked in, had I known that I was frozen out of rates with other lenders, and that the rate they would give me could change.
Buying my first home has been a challenge, but a joy. However, Citi 's illegal behavior has caused me significant distress, and has put a significant damper on what should be a wonderful milestone.
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| 05/15/2015 |
Yes |
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Web |
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I lived in XXXX for many years. In XXXX I began preparing to move to XXXX to care for my XXXX parent. I opened a Sears account in XXXX and purchased a washer-dryer from Sears in XXXX, which was delivered to a XXXX address. At that time, I still lived in an apartment in XXXX. I had the washer-dryer delivered to the XXXX address at which I would be moving and had the billing statements sent to my XXXX address. By the time I moved to XXXX a few months later, I had paid off the entire Sears credit card balance. During this time I never received a card from Sears.
When I moved permanently to XXXX in XXXX, I still had not received a Sears card. In late XXXX XXXX, I purchased a refrigerator from the same XXXX Sears store from which I had purchased the w-d a year earlier. When I made the purchase, I did not have a card but because my account was active, the cashier accessed my account using my Social Security number. The purchase was put on my Sears credit card. The XXXX Sears store clerk also updated my billing address from the old XXXX apartment to my new house in XXXX. I was told I would soon receive a statement and new credit card. The refrigerator was delivered to my XXXX house in early XXXX.
By XXXX XXXX, XXXX, I still had not received a billing statement or replacement credit card from Sears. I called Customer Service, and they informed me they had no record of the transaction. I went to the Sears store and handed the manager my receipt. She confirmed that my billing address had been updated but directed me to call Sears to get a billing statement.
When I called Sears Customer service, I transferred to the Fraud Unit. I was informed that I could not receive a statement until I can produce a Sear statement, which I have never received! After XXXX hours on the phone, I was told to fax a letter to the Fraud Unit stating my XXXX address so that they could " verify that I exist. '' I complied and also faxed my SSN and DOB, along with the only documentation I have from Sears, the receipt from the recent refrigerator purchase. I was told that with this information, they would be able to update my address and send me a statement.
When I had not heard from them by XXXX XXXX, I called again. The rep verified receipt of the fax. This time I was told that Sears had sent a letter " to my current billing address '' to which I am required to respond before they will update my billing address, reissue a card, and send me a current statement. I assume my " current '' billing address of record is the old XXXX apartment address at which I have not lived FOR XXXX YEARS. The rep directed me to GO TO XXXX and try to obtain this letter from whomever might now occupy my old apartment!!!! The rep refused to offer any other assistance.
I called back. After XXXX minutes of insisting to speak to a manager, I was transferred to a Customer Service Manager, who directed back to the Fraud Unit. That person reiterated that I must GO TO XXXX to retrieve the letter from Sears!!!
Recapping, the address to which Sears has sent a letter to confirm that I exist is located in XXXX, and I have not lived at this address for almost XXXX YEARS. The purpose of receiving this letter from Sears is to verify that I exist so that I can update my billing address to my current residence in XXXX and receive a new card from Sears on an active account with no negative issues related to that account.
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| 12/22/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My checking account was closed for no apparent reason. I had deposited a refund check into my account which then citibank promptly closed my account. I had deposited over {$10000.00} into my account and used my debit card normally like a consumer should. Citibank is not a normal bank and should be avoided at all cost. For us normal consumers who do usual banking we should use a bank that works. Citibank now proceeded to steal my money. About {$4000.00} is currently stolen and in citibanks possession. They are claiming to send out a check in the mail for 60 business days. In the norms of todays banking world 60 business days too long and almost nightmarish. Citibank business practice is similar to most loan sharks and scams and therefore is a fraudulent bank in entirety. It has very bad business ethics and the CEO and chairmen should be sanction by the US Government and sent to prison and chains. XXXX XXXX held another financial institution which did normal business hours and conducted business therefore citibanks CEO and chairmen should be treated the same as XXXX XXXX. As of right now my money is stolen and I cant get it bank. I believe 60 business days is the norm for charge back cut off but I have never sold merchandise with the checking account so citibank is dealing with my money fraudulently. I visited the bank branch and was told the branches are a separate organization as citibank online. About a month ago when I created this account I had received my debit card in the mail with another document giving me my pin number. The box where my pin number was blank. This is their current business operation. I also was never asked to give any Identification documents outside of my social security number to create this account which was unusual. I visited the branch to add a pin number and add a government issued identification to my account. The branch manager told me they are unable to add my ID to my account because there is no way to access the citibank online system from within the bank branches computers. I had an account opened with no ID with citibank. I also tried to add a pin number to my account but the branch said they currently dont have capability to add a pin number to my account because of the separate system issue. This is the XXXX they said if it doesn't make sense it coming straight from CITIBANK. So citibank branches give complete XXXX to the customers instilling more criminally and malicious behavior outside of fraud. I think citibank should be completely shut down instead of greasing lobbyists hands with money. I want to visit a citibank branch and withdraw all of my money but it is currently impossible to do because i am dealing with citibank. It is trying my patience and I am worried I will never see the money again or possibly around XXXX of 2022 or maybe even longer if something happens to my check in transit. As of now I have to change my plans and purchase a different lease on my Private mail box and shipping whatever check comes in the mail there because I have plans of leaving the USA to a different country and I have to deal with this issue and pay for the shipping the whatever check comes in mail. I wish I can go to the branch and withdraw my money like a first world country bank.
ps i also have to return some expensive merchandise around {$400.00} in total value from XXXX shopping that I cant return isnt harassment illegal?
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| 03/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Citibank is refusing to refund me {$330.00} for fraudulent charges that I immediately reported as fraud and am willing to attest to such in a police report. Further, Citibank is preventing me from filing a police report because my local precinct requires a letter from the bank stating that it requires a police report, and Citibank has repeatedly ignored my requests for such a letter. Finally, Citibank neglected to conduct an investigation into whether the charge was fraudulent, and instead, simply sent me a letter asserting that I " verified that [ my ] card was in [ my ] possession at the time of the transaction '' even though I did no such thing. The card was not in my possession at the time of the transaction, and I certainly did not " verify '' that it was. Citibank has hung up when I called for more information, and has not replied to multiple emails.
Here 's the timeline : XX/XX/2021 : My wife 's Citibank credit card was stolen from her at approximately XXXX while she was out shopping. We do not know how exactly ; it may have been pickpocketed or picked up by someone when she placed it down on a counter to pay. Shortly thereafter, a fraudulent {$3.00} charge appeared on our account.
XX/XX/XXXX : Two more fraudulent charges appear on our account, one for {$320.00} and one for {$13.00}. We noticed the charges that afternoon / evening and immediately reported the card as stolen via Citibank 's mobile app.
XX/XX/XXXX : Citibank sends us a letter ( attached ) stating that it has closed its investigation because it " confirmed that [ we ] participated in the transaction with the merchant '' and " verified that [ our ] card was in [ our ] possession at the time of the transactions. '' Approx. XX/XX/XXXX : We receive the XX/XX/XXXX letter, and I immediately call Citibank for more information. A representative informs me that the bank 's basis for asserting that it " confirmed that we participated in the transaction '' was because the fraudulent purchases were in-store purchases, i.e., they were not online purchases. I explained that the physical card was stolen from us and requested that Citibank reopen the dispute.
XX/XX/XXXX : I called back to ask about the progress of Citibank 's investigation, and the representative explained that the dispute was closed because the bank " confirmed that we participated in the transaction. '' I once again explained that we did not participate in the transaction, and the representative said that the bank would refund the charges if I file a police report. I called my local precinct to file a report, and the precinct told me that, in order to file a police report, I would need a letter from Citibank stating that the bank requires a police report in order to close its investigation. I sent an email to Citibank 's Security Operations Manager requesting such a letter and explaining that I could not file a police report without it. Citibank never responded to my email and never provided the letter I needed to file a police report.
XX/XX/XXXX : I sent a follow-up email to Citibank 's Security Operations Manager reiterating my request for the letter that my police precinct requires in order to file the police report that Citibank deems a prerequisite to refunding me the money that was fraudulently charged to my account. Citibank never responded to this email and never provided the letter I need to file a police report.
|
| 03/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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In XX/XX/XXXX of this past year, I got a notification on XXXX XXXX that my credit had changed. Since I have not done anything with my credit, I was concerned. It showed that one of my citicards accounts had been closed by the company. I called customer service and they stated that they had closed the account a few months ago due to inactivity, and since it was over 30 since they closed it, they could not reopen it. I have credit cards that do not carry balances because I use them only when necessary. Well, this particular card had a {$13000.00} available credit balance on the card. As a result of closing the card, I lost {$13000.00} of available credit, which increased my debt-to-income ratio and tanked my credit score of 40 points! When I told them I wanted to reactivate the card, they said that they could not do it, but I could apply for a new card instead where they could open a new account for me. I told them, that if I apply for a new card that it will affect my credit score as a hard inquiry. They told that's the only way they could open a new account for me since the other was closed. I reluctantly agreed. Well, surprise surprise that when I applied for another account, I was declined due to the debt-to-income ratio. The exact reason my credit score dropped over 40 points! So, now my score dropped 40 points, I have a hard inquiry on my account that also damaged my score a few points and nothing to show for it. HERE IS THE KICKER : -THE " CLOSED '' ACCOUNT STILL SHOWS UP ON MY ACCOUNT SUMMARY PAGE WITH MY {$13000.00} BALANCE STILL THERE AND I STILL GET MONTHLY STATEMENTS FROM THAT ACCOUNT! The company never notified they would close my account to give me an opportunity to use the card. They closed it without notification and as of today, my online account still shows that it is active and I still get statements, which is also misleading. This is completely wrong and they need to rectify this. They were not the least bit sorry. I went back and forth over a few months, finally giving up in XX/XX/XXXX. That is until the latest issue happened.
On my other citicards account, last week I was offered a citi flex loan, which is where you are able to take your available balance and pay off other cards with no fees and a low 7.99 % interest rate. I had over {$4000.00} on that card and want to use more of my card credit for the loan, so I decided to pay off the balance of my card so I could use more of the card for other debt. That was last week. As soon as the balance was cleared, I logged into my account to do the flex loan ... guess what? It was no longer available. It seems a bit more than ironic that the company removes an offer that would provide them with less interest return when you do not have another balance to make money off of. I called customer service today, and they told me that they can not give the promotion back and that I could wait to see if I am offered it again sometime in the future. This company has been nothing but trouble for me and I want something done about this.
Sadly using the secured message center on the citicards website allows me to send a message into the company for them to respond. However, once those messages are sent, I can only see their replies. There is no way for me to find the documentation of what I sent to them previously as proof of my conversation ... only what they sent in return, which was a card agreement.
|
| 06/07/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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|
Web |
Older American |
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Re : Account Number XXXX ( now closed without my knowledge ) CC : Consumer Financial Protection Bureau Case # XXXX CC : Office of the Comptroller of Currency Case # XXXX Re : CFPB Case Number XXXXCitibank Case Number XXXX Sir/Madame, This message is in response to Citibanks last response to me on this file XXXX dated, XX/XX/XXXX regarding the captioned account. I apologise for the relatively late follow-up. I have twice been hospitalised in recent weeks ; one expected but sudden ( XXXX XXXX XXXX XXXXXXXX ) and the other unexpected for an XXXX in the private part of the male anatomy.
I am totally dissatisfied with this response from Citibank. Here are the key elements now.
QUOTE We show the account was in the XXXX XXXX XXXX XXXX which has a {$25.00} Monthly Service Fee if the combined balance falls below {$25000.00}. Regrettably, we are unable to compensate you for the Service Fees, as Citi is a non-compensatory bank. It is the account holders responsibility to make sure the account contact information is updated. We consider this issue resolved.
END OF QUOTE Point 1. Note, I did take action to update my account information by visiting the XXXX, XXXX branch and spending at least 45 minutes trying to ensure that the male operator could take account of my non-US address. Obviously, he failed because I never did receive any communication at my new address in XXXX XXXX. I had visited XXXX XXXX XXXX office in XX/XX/XXXX expressly to update my account address details and the bank failed to exercise this minimal responsibility.
In a previous message, Citibank acknowledged this step : QUOTE : We regret to hear that your address was not updated as you requested when you visited the branch bank. Upon review of your inquiry, we found that the {$100.00} in funds remaining in your account ending in XXXX were considered as abandoned property. Therefore, they were sent to the state of South Dakota on XX/XX/XXXX. You will need to contact the state and provide them with XXXX ID XXXX.
END OF QUOTE Point 2 I am not seeking to be compensated for service fees. I am seeking the return of funds that were unlawfully removed from my account.
Citibank compounded matters by soon after introducing a hefty monthly charge of USD 25, a couple of months after I had visited their XXXX branch. This was a so-called XXXX XXXX XXXX XXXX XXXX Really? Accordingly, my balance of USD XXXX at XX/XX/XXXX was thereafter rapidly reduced to USD XXXX by the date of transfer to South Dakota in XX/XX/XXXX.
Did Citibank offer to refund my funds? No, I was supposed to chase what little balance remained myself.
Come on. Would anybody rational keep funds in a bank account when a charge amount of such magnitude had been introduced? Did this compel Citibank to carry out any extraordinary steps to ensure that this client would be satisfied with such an arrangement? NO! It defies common sense. It manifests a complete lack of customer service mentality.
CONCLUSION Citibank has handled this complaint extremely poorly. They gave me no option for replying to them by e-mail. Instead, I have to call them long distance at my great expense OR I have to rely on snail mail. I have found that ordinary mail to/from XXXX XXXX is taking an excessive amount of time to reach me in XXXX and vice-versa. Totally unacceptable.
Thank you very much for your attention to this file and my concerns.
Respectfully, XXXX XXXX
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| 10/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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To Representative, - XXXX : I found an illegal use of my credit card on XXXX account and reported it to Citi cards. The unauthorized transaction XXXX XXXX ( XXXX XXXX ) was occurred at at XXXX in XXXX on XX/XX/2023. The unauthorized charge was withdrawn a few days later.
- XXXX : I received a paper letter from Citi cards that they had made necessary adjustment to my credit card account.
- XXXX : I found the amount of the unauthorized transaction was reversed to my credit card account back, so I called City Cards customer service. I was told the issue was still under investigation and I should wait for the contact from Citi cards security center. My dispute report status showed it's under investigation on their website. I waited.
- XXXX : I called a Citi cards customer and asked about the progress of the fraud report. The agent named XXXX, she told me the charge wasn't the final and the case was still under investigation. She told me that I should wait until I get a contact from the investigation department.
Citi cards website still showed me my dispute report status was under investigation by the day.
- XXXX : I found that I was charged interest for delinquency of the unauthorized transaction.
I called Citi cards customer service and was told that the case was closed. I explained what happened and she said she would report to the Citi cards investigation department to ask to reopen the case.
After hang up the phone, I searched my email box and found an email that an action required letter was sent to me by Citi cards. All I received the letter from Citi cards was the one page letter that Citi had made an action to my credit card account without any further information.
I realized there was an online message center and found the notice and letter contained the statement I needed to submit and the transaction records from the merchant ( XXXX ).
I called the number ( XXXX ) written on the statement form and reached out to an agent XXXX. After I explained to him about the case, he told me he would call me back on the same day or by the next day.
- XX/XX/2023 : I emailed Citi cards billing dispute center ( XXXX ) with the statement what they asked me and details of the issue.
- XX/XX/2023 : I didn't get any contact from them to be updated. I called them again but the agent repeat the comment that it's under investigation. After hang up the phone, I had done as below.
XXXX ) Submitted the report to Federal Trade Commission 's XXXX. ( FTC report # XXXX ) XXXX ) Submitted the online report to XXXXXXXX XXXX XXXX ( Tracking # XXXX ) XXXX ) Reported the unauthorized charge dispute to credit bureaus. ( XXXX ) - According to the merchant 's transaction records, they got the result of CVV Response and AVS Response with no response and no match when the transaction was arisen in overseas. However, they approved it.
- Citi cards was neglected to double check the unusual big amount transaction which was arisen in overseas to secure their customer 's credit account. I only used the credit cards account for small credit transactions for over years. Also, Citi cards didn't provide proper information that how I get the notices and letters and what I need to do during I contact them to check the dispute status.
I believe it's grossly unfair to make the customer responsible for the consequences of a credit abuse incident caused by their insecure systems.
|
| 09/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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On XX/XX/2020 I booked a vacation to XXXX with XXXX XXXX XXXX XXXX for travel from XXXX. At the time I paid two deposits of {$1300.00} and {$560.00}. Than the Covid 19 pandemic happened. I attempted to call the resort in XXXX multiple times during the month of XXXX and got no answer and could not leave a message. I finally emailed the resort on XX/XX/2020 requesting to cancel due to the travel restrictions that had been put in place. Got no response. Tried to call the resort in XXXX multiple times in XXXX, no answer. Finally filed a dispute with Citi cards on XX/XX/2020 hoping I would have better luck going this route and that Citi could get a hold of the merchant. Citi responded to me on XX/XX/2020 that my {$1300.00} disputed had been denied and on XX/XX/2020 that my {$560.00} dispute had been denied. The merchant responded and said I could only rebook. On XX/XX/2020 I responded to Citi with a screen shot of the merchants own public website that due to Covid you could cancel or rebook if you were booked to stay between XX/XX/2020 and XXXX XXXX. Which we were. I also provided a copy of my email showing I had requested to cancel. On XX/XX/2020 I was able to finally able to obtain an email from the merchant confirming I had canceled. I provided this to Citi on XX/XX/2020. Than on XX/XX/2020 the merchant sent me another email saying I was owed a refund. I provided this to Citi as well. I followed up on my dispute on XX/XX/2020 and was told that they had not received all the documentation. I provided it again. I received confirmation from Citi it was received on XX/XX/2020 and I would have a resolution in 7 to 10 days. I followed up again on XX/XX/2020 and told it would be escalated, that nothing had been done. On XX/XX/2020 I received a call from the Citi dispute area that my claims were being denied because I did not provide proof that I canceled. I told the rep I had provided that back on XX/XX/2020 and again on XX/XX/2020. The rep promised me it would be escalated as she did find the proof and I also emailed the Citi dispute area for the 3rd time a copy of the cancellation. I am greatly lacking in my trust of Citi at this point. The phone call on XX/XX/2020 involved the rep getting a supervisor on the phone to see if there was anything else that could be done. When the supervisor came on it was hard to hear him because of a poor connection on his end. On top of that he had roosters and chickens crowing in the background so loudly that I could not hear. I asked him if I was hearing chickens and roosters and he said yes. That he was working from home and there was nothing he could do about it. He can't control it. I told him I also have pets in my home but I went to an area of my home were it was quiet so I could hear and not be disruptive. He did not care. I finally ended the call as it was not productive and I could not hear him.
As a side, this same merchant charged me on XX/XX/2020 for the remaining balance of the vacation I had canceled. That charge was for {$2900.00}. I also filed a dispute with Citi for this charge since the trip was canceled. Citi did find in my favor for this charge and made it a permanent credit on XX/XX/2020. I have pointed this out to them since I do not understand why they refuse to reverse the other two disputed charges and have claimed multiple times that I have not provided proof of the cancellation when clearly I have.
|
| 06/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My dispute is with Citi Mastercard.
In XX/XX/XXXX, I disputed two charges that I paid with my Citi Mastercard ( Citi ) for a purchase made at XXXX 's ( the merchant ) for one purchase ( that I paid for with two separate charges ) of countertops which included installation.
The two charges were for {$700.00} and {$3000.00}. The dispute for the {$700.00} was settled in my favor, so my complaint is specific to the charge made on XX/XX/XXXX in the amount of {$3000.00}.
When the merchant completed the installation, I was asked to and did sign a Certificate of Completion, which states the installation was completed but says nothing about the condition of the product or the quality of the installation, only that the installation was completed.
Immediately I discovered several defects and issues not only with the countertop but also with the installation itself. I sent several emails to the merchant including the salesperson and the store manager and received no response.
I filed a dispute with Citi who then allows the merchant somewhere around 90 days to respond. When the merchant finally responded to Citi as the 90 days were coming to an end they said I never notified them of my dissatisfaction with the product, which was not true, and cited that I signed the Certificate of Completion.
Citi then sent me a notice that my dispute has been resolved in the merchant 's favor because " the merchant is not willing to issue credit to your account. '' I appealed their decision several times based on the fact that according to the Fair Credit Billing Act ( FCBA ) if there is a quality issue with the purchase and the charge is over {$50.00} and purchased in my home state, the credit card company is required to complete an investigation. In my case, Citi only and continuously, simply asked the merchant to give me a credit, which is not an investigation and is something I already did myself, I didn't need Citi to ask for a credit on my behalf, I needed them to investigate, which if they did a proper investigation, they would have determined the merchant was in breach of their contract and/or warranty and should have settled in my favor.
I finally was able to speak to a Citi dispute department supervisor ( I believe on XX/XX/XXXX at approximately XXXX p.m. XXXX Time ) who, despite all their notices saying they can't help me because the merchant won't agree to issue me a credit, said they wouldn't help me because I signed the Certificate of Completion, which again my dispute with the merchant wasn't that they didn't install the counter, it was that they improperly installed a damaged counter.
My claim against Citi is they have violated the Fair Credit Billing Act by not properly investigating my dispute.
It should also be noted that one Citi dispute department representative XXXX XXXX XXXX said on XX/XX/XXXX, I could convert all my evidence against XXXX XXXXs to PDFs and submit them with a form to help resolve the claim in my favor ( their paperwork states that photos can't be submitted because " they are not compatible with our system '' ). I did that only to find out later that Citi won't accept any evidence from the customer, however, they accepted evidence from the merchant.
I believe Citi Mastercard has not acted in good faith and chose not to properly investigate my claim for reasons unknown to me.
Thank you for your assistance with this matter.
|
| 03/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My complaint concerns a claim ( Reference Number XXXX ) I filed with Citibank for unauthorized transactions on my account. I lost my Citibank MasterCard debit card sometime on or around XXXX without my knowledge. I discovered the debit card missing on XX/XX/XXXX when I was going to use the card for a transaction and couldn't locate the card. I immediately called Citibank customer service, and was transferred to the Fraud Department. I was asked when was the debit card lost, and I answered, " I don't know the exact date, but sometime around XX/XX/XXXX because that is when the unauthorized transactions began. I asked if there were any transactions on the account as I was concerned the debit card may have been compromised. I was informed there were six transactions on the account. I told the Fraud Department representative that those transactions weren't mine. I hadn't used the debit card since XX/XX/XXXX. The Fraud Department representative then transferred me to a dispute resolutions specialist in the Dispute Resolutions Department in order to file a claim. From the date the claim was filed I've received two letters from Citibank. The first letter, dated XX/XX/XXXX, stated an investigation had been opened for a transaction on XX/XX/XXXX at a XXXX XXXX XXXX for {$240.00}, and I received a provisional credit for that transaction. The second letter, dated XX/XX/XXXX, stated an investigation was opened for a transaction on XX/XX/XXXX at XXXX for {$71.00}, and a provisional credit was also provided for that transaction. I waited to receive correspondence for the remaining four unauthorized transactions that were filed in the dispute, but I didn't receive any additional letters. Accordingly, on the eleventh business day after I filed the claim ( XX/XX/XXXX ), I called the Fraud Department to ascertain the status of the claim. I explained what I just wrote. I received letters for two of the six transactions, and a provisional credit had been applied to the checking account for those two transactions. I wanted to know why I hadn't received information ( letters ) concerning the other four transactions that were suppose to be in the claim, and why I hadn't received a provisional credit for those transactions. I was told those four transactions are still pending in the Fraud Department. I then asked to speak to a supervisor about the claim. I explained to the supervisor that Regulation E as set down by the Federal Reserve System provides the rules and guidelines for EFT systems, which includes POS terminal transfers. I said in many cases, especially those similar to mine, banks have 10 business days to investigate a reported EFT error, at which time either the claim investigation must be completed, or a provisional credit provided. The supervisor ( XXXX ) said she would expedite the claim to another area within the Fraud Department, and that she would call me at XXXX XXXX on XX/XX/XXXX to provide an update on the claim. Today is XX/XX/XXXX, XXXX didn't call, and there hasn't been any additional provisional credits applied to my checking account. Citibank is violating Regulation E for my disputed debit card transactions. I've attached the two letters received from Citibank, and a copy of my account transaction history from XX/XX/XXXX through XX/XX/XXXX. I wrote, '' need credit '' next to the four transactions that need to be provisionally credited to the account.
|
| 10/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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1. RESPONDENT ( S ) failed to rebut, answer, or respond, to XXXX Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX ; with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability, with evidence attached, of all statements herein made being false, and a copy with all evidence and a copy sent to undersigned for rebuttal or acquiesce. That Conditional Acceptance upon Bona Fide Proof of Claim gave you a reasonable deadline to perform. And, at no time before then, or after then, have you requested a reasonable extension of that deadline. To date, RESPONDENT ( S ) failed to rebut, address, answer, or respond in this matter, you have chosen instead to fall completely silent. Accordingly, RESPONDENT ( S ) is now in default as against undersigneds Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing. Under the doctrine of qui tacet consentire videtur, " he who is silent is taken to agree, silence implies/means consent ''. Moreover, under the doctrine, your silence has activated estoppel in this matter.
2. I do not consent to your agency assigning disputed debts to law firms and third-party debt collectors without informing them that the debt is disputed.
3. I do not consent to your agency contacting consumer with the intent to annoy, abuse, or harass consumer into paying.
XXXX. Your agency is prohibited from reselling any debts associated with the above matter, to protect consumer from the potential harm that results when debt collectors continue to sell and resell debts that may be inaccurate or lack the business records and information needed to collect them.
5. If your agency attempt to collect on debts by suing consumer in court, please take notice that the consumer will file the Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing, USPS Certified Mail Delivery Confirmation and this AFFIDAVIT OF NON RESPONSE.
No assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE WITHOUT RECOURSE NON-ASSUMPSIT Failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. Failure to rebut, address, answer or respond in this matter by XXXX XXXX, XXXX created a Default Judgment and Declaratory Judgment of the facts stated herein being true. Failure to rebut or continued acquiesce, failure to address, answer or respond in this matter XXXX XXXX, XXXX created a Summary Judgment. Further Failure to rebut, address, answer or respond in this matter by XXXX XXXX, XXXX created a Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
|
| 04/12/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
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Citibank with XXXX XXXX had a promotional offer to open credit cards under the Citi XXXX XXXX line : spend {$2500.00} in the first 3 months and the cardholder would receive XXXX free weekend stays at a hotel in the XXXX portfolio. I applied for the card in XXXX XXXX and spent more than {$2500.00} in the first 3 months. I never received my rewards certificates. I called Citibank on XXXX/XXXX/XXXX to inquire about them, was told they had been issued ( although I never received them ), and that I had to call XXXX regarding details. XXXX told me when I called they were issued and they expired XXXX/XXXX/XXXX. When I said I never received them, XXXX said the company had " gone green '' and no longer issued paper certificates, and that they did not have an email address associated with my XXXX profile. I know this statement is incorrect because XX/XX/XXXX and XX/XX/XXXX I received emails from XXXX 's reservations department. When I asked XXXX for an extension of the rewards certificates ' expiration dates, I was told Citibank handles that aspect, but, regardless, that I only had to reserve by XXXX/XXXX/XXXX, not stay. I called Citibank again and was told I would have my certificates reissued in 10 to 14 days, with later expiration dates. Also, I was told I only had to book by XXXX/XXXX/XXXX, not stay. I called Citibank again on XXXX/XXXX/XXXX to ask about the reissued certificates, and was told they would not reissue them ( and, in any event, the agent said the Citibank system showed a XXXX XXXX, XXXX expiration date for my certificates ). The Citibank agent again told me I only had to reserve by XXXX/XXXX/XXXX and not stay by then. Then I called XXXX again, and, after a series of phone transfers, was twice told that I had to complete my stay by XXXX/XXXX/XXXX. Through each call, each company said the other company handled the certificates and did not seem to know what aspect of the card 's promotional offers belonged to which company. On XXXX XXXX, XXXX, I sent XXXX and Citibank a letter ( attached ) describing my horrible customer service experience, and participated in a three-way call with both companies on XXXX XXXX, XXXX. The Citibank account specialist on that call informed me a referral was sent to XXXX, but that no new certificates would be issued by XXXX. After the Citibank Account Specialist and I say on hold for nearly an hour, a XXXX representative finally spoke with us and said the certificates would not be reissued but XXXX would give me a paltry number of XXXX Rewards points as consolation. The representatives continued to place blame on each other. I informed them I do not want a consolation, I want the promotional offer that induced me to sign up for the card and that I missed due to their lack of communication and miscommunications.
I would understand if I, through some fault of my own, misplaced or overlooked the certificates when they were sent to me, but that did not occur. I was simply never sent the certificates and never informed they had supposedly been issued until the month of their alleged expiration. Not only do I want my owed sign-up bonus, I feel deceived by both Citibank and XXXX, and am concerned that their practices are misleading to other customers. These business practices harmed me, and likely harms other consumers ( indeed, cursory web searches reveal similarly situated customers ), and I request the CFPB review them.
|
| 02/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In reference to complain XXXX-XXXX On XX/XX/XXXX, I rented a 16 ' XXXX truck to move from XXXX to XXXX. The XXXX damage inspection sheet at that time indicated damage to the front top of the vehicle which probably led to water coming in the cab. During my trip gallons of rain water leaked into the cab within minutes, soaking myself and my personal belongings including my laptop. I had to pull over and stay in XXXX XXXX XXXX XXXX XXXX in Virginia as it was not safe to continue driving in that condition. I returned the truck on XX/XX/XXXX at a XXXX in XXXX XXXX and they were closed because it was Sunday. I left the keys in the drop box. I made a phone call to XXXX on XX/XX/XXXX to explain the situation and they stated the truck I had rented had not been checked in yet, however I would have to go online and fill out a report customer service form. I filled out the report customer service from on XX/XX/XXXX. It states on XXXX 's website they will respond in two business days. They responded on XX/XX/XXXX for me to call the claims department. I contacted the claims department on XX/XX/XXXX, the same date I received the email and explained to them what happened. I have not received any further correspondence from XXXX regarding this matter. On XX/XX/XXXX, I opened a dispute with CITI claiming goods/services not as expected, and received a conditional credit. On XX/XX/XXXX, the conditional credit was reversed due to a ruling in the merchants favor based on the fact XXXX claimed I had never contacted them. In order to reopen the case CITI requested the details and date of each contact made by the merchant as well as their attempt to resolve the matter. On XX/XX/XXXX, I sent them documentation, phone records, and copies of emails in my defense to prove that I made a good faith attempt to resolve the issue with the merchant. CITI also wanted proof of what was expected vs what was received. Examples they asked for would be a sales slip, certificate of quality, newspaper advertisement, or an itemized bill. On XXXX XXXX, I sent CITI a newspaper article where they stated " XXXX trucks are one of the cleanest and best maintained rental truck fleets on the road. '' It also stated " Every vehicle undergoes a ten point quality inspection to ensure proper fluid levels, tire pressure, and other necessary elements for a reliable safe travel '' As previously noted the XXXX damage inspection indicated damage to the front top of the vehicle causing gallons of water to leak into the cab within minutes. This truck was rented out with XXXX 's knowledge it was not in safe and reliable condition. It is safe to assume that when one rents a truck it shouldn't leak so profusely that you would need to pull over and get a hotel. I have clearly complied with CITI 's request for proof. CITI then completely closed the case in favor of the merchant stating I was unable to prove what was expected vs what was received, when in fact I sent them an abundance of proof. It should have been clearly decided in my favor as I was given a XXXX truck that was unsafe to drive.
CITI reposted the balance of XXXX without any explanation on XX/XX/XXXX, prior to hearing back from the merchant. The merchant has responded on XX/XX/XXXX and the case has been pending since. I have asked for this charge to be removed from my account as the dispute is still pending, and they have removed the balance.
|
| 08/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On or about XX/XX/XXXX I received confirmation that a judgement had been entered against me by Citibank in the amount of {$16000.00}. This was originally filed in XXXX and then filed again in XXXX. It initially appears to be 2 judgments but upon review, it is evident that it is one balance entered 2 different times.
I contacted Citibank to try to settle this balance. I was advised that they no longer had my file and to contact the attorney listed on the judgement. On XX/XX/XXXX, I contacted XXXX XXXX - the attorney listed. She advised me that her firm no longer managed the Citibank judgements, she gave me the name of the new agency/contact : XXXX XXXX @ XXXX and XXXX. I left vm for XXXX everyday and my calls were never returned. I hired a debtor attorney who sent XXXX an email and was advised by XXXX that they do not have my file and that I need to contact Citibank. See below.
I have contacted Citibank and they are telling me that I need to resolve the issue with XXXX and XXXX. I have been going in circles for almost 30 days.
I am trying to settle this debt and seem to have no way of resolving this.
RE : seeking to resolve Citibank judgment against XXXX XXXX From : XXXX XXXX ( XXXX ) To : XXXX Cc : XXXX Date : Monday, XX/XX/XXXX, XXXX XXXX EDT Good afternoon, We do not have this file in our system. Please reach out to the bank directly.
Thank you!
XXXX XXXX XXXX Attorney XXXX office XXXX fax XXXX TTY XXXX XXXX & XXXX, P.A.
XXXX XXXX XXXX | XXXX XXXX XXXX, DE XXXX www.tenagliahunt.com THIS FIRM IS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
This e-mail ( including any attachments ) may contain material that ( 1 ) is confidential and for the sole use of the intended recipient, and ( 2 ) may be protected by the attorney-client privilege, attorney work product doctrine or other legal rules. Any review, reliance or distribution by others or forwarding without express permission is strictly prohibited. If you are not the intended recipient, please contact the sender and delete all copies.
Any U.S. federal tax advice contained in this communication ( including any attachments or enclosures ) was not intended or written by the author to be used, and can not be used, for the purpose of ( 1 ) avoiding penalties that may be imposed on a taxpayer or ( 2 ) promoting, marketing, or recommending to another party any transaction or other matter addressed herein.
If you no longer wish to receive emails from us, please email XXXX From : XXXX [ XXXX : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX Subject : seeking to resolve Citibank judgment against XXXX XXXX Dear XXXX XXXX : I am contacting you with regard to a judgment in The Court of XXXX XXXX for the State of Delaware in and for XXXX XXXX at Docket XXXX attained by Citibank , N.A . against XXXX XXXX in the amount of {$16000.00} by default judgment on XX/XX/XXXX and filed in the XXXX XXXX of the State of Delaware Case No. XXXX on XX/XX/XXXX.
I understand that you have taken over the case from XXXX XXXX. On behalf of XXXX XXXX, I would like to discuss a settlement in exchange for satisfaction of the judgment. Please confirm that you are the appropriate contact for such purpose and how to proceed, at your earliest convenience.
XXXX XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX, PA XXXX Ph : XXXX Fx : XXXX
|
| 09/27/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
The best way to submit my complaint to you would be to copy you on my last email to Citibank 's executive office, as follows : Eight ( 8 ) weeks now, of phone calls and emails going nowhere ... and my Citigold account is still frozen, and my FICO scores have dropped about XXXX00 points now, because of this.
My money is locked up by you and I can not pay my credit cards.
Will you please tell me what I need to do to unfreeze my savings account?
I already gave you so much proof of my identity, including...
My XXXX Bank statement My Credit card statement A copy of my drivers license Then you asked me for a government document in your letter, and I emailed you my social security statement.
All of the above have the same address on them, except my drivers license, because our new address will not be official until XX/XX/XXXX and I don't believe the XXXX allows XXXX addresses on licenses.
I also received the debit card ( to the frozen account ) you sent me, and called to activate it, reciting this debit card number to one of your reps on the phone : XXXX XXXX XXXX XXXX If my address is not verifiable, how was I able to give you the above debit card number off of the card you mailed me?
And why would you mail a debit card to an account with XXXX deposited in it to an unverified address anyway, if you really believed what you are accusing me of???
When I log into my Citibank account online, I see all my accounts but it will not allow me access to my money. On one of the countless phone calls to your bank, I was told that my account was flagged for fraud. But no one could give me a reason, still, after XXXX weeks of disputing this.
As I have said before ... My husband opened the exact same account with the same address, same day, same deposit amount, and he was not asked to verify anything! He was welcomed with no requests.
While I am a long-term Citibank customer and I am being treated so badly for depositing money to a new CitiGold account.
What is going on? Why am I being singled out? Why didn't you just reject my ACH deposit I sent to fund my new account from my XXXX bank account? Or tell me that I needed to pay utility bills to prove my identity, before I sent the money to fund the account? At least my money would have been safe at my XXXX bank account, if you were more fair that way.
I keep telling you that I don't pay utility bills. My drivers license has my previous address on it ( and so does my husband 's ) because we are in the process of moving and our new address won't be official until XX/XX/XXXX I called the phone number you gave me in the letter to me, and the person taking the call claimed he was escalating my complaint and someone would get back to me, and no one got back to me just like I told him no one would, as usual. The last 10 calls all promised that someone from their back office would contact me, and that never happened.
Do you think maybe you can actually help a Citibank customer out? What else do I need to do, a blood test, finger prints?
There has to be another way to verify my identity instead of antagonizing me for 8 weeks and ruining my credit. At least offer a solution before my credit is completely ruined!
Please have someone call me. If you want me to go to a local branch I can do that too, but you can't just freeze my account and forget about me ... .you still have my money!
( end of email copy )
|
| 11/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened a promotional account with Citibank on XX/XX/2021, the promotion that was offered to me was to deposit {$50000.00} for 90 days and I was supposed to receive {$700.00} cash back, when I tried to fund the account the banks system was unable to verify my other bank information and didnt allow me to fund the account, I tried multiple times and I wasnt successful, the account closed since it wasnt funded, I then talked to a supervisor of Citibank and he told me to open a new account and fund it with {$50000.00} deposit and that he will make sure to make notes that the previous account was closed due to a system issue. I opened the account in XX/XX/2021 and funded with the {$50000.00}, they also requested to open a savings account which I did, the savings account remained XXXX balance since they said that only one account needed to have a balance {$50000.00}. The terms of the promotion mentioned that you need to keep the funds and both accounts open for 90 days, I kept the funds for 90 days and called to ask for the cash back, they told me that I needed to wait another 90 days to receive my funds, I talked to another supervisor and he reviewed the terms of the promotion and he said all the terms were met because even though the savings account closed due to XXXX balance, it closed after the 90 day requirements. I waited another 90 days and didnt receive the cash back promotion, I called multiple times and in total I talked to 4 supervisors and they all assured me that the promotional terms were met and that I just needed to wait for back office investigation. The back office first send me a letter explaining that the promotional terms were not met because the savings account was closed in XX/XX/2021, the account was actually opened in XX/XX/2021 and closed in XXXX so back office information was incorrect, so I called again and talked to another supervisor, she reviewed the case and said that the terms were met and that was just a mistake and that she would open another case and have it solved, then a receive another letter from back office saying that the promotion terms were no met because I had a prior account with the bank, I explained to them multiple times that the prior account was opened but I wasnt able to fund it because an issue with their system and that one of their supervisors make notes on it about the issue and assured me that the account will qualify for the promotion, they still refused to honor the cash back promotion, the last supervisor I spoke with was XXXX she was extremely rude and while she acknowledged that she can see all the notes that the prior supervisors added, she told me she was not able to help me, she kept me waiting on the phone for 35 minutes yet didnt resolve the issue because she wasnt willing to do it. The bank is deceiving their customers offering cash back but they are not honoring the promotion and they are just making excuses to justify their practices. I have kept the money in their bank for 7 months and have lost a lot of months of interest that I could it earn in a different bank, after the 90 days of the promotion passed they assured me the terms were met and to keep my funds in the accounts for another 90 days but now they are saying terms are not met, if that is the case why they were dishonest and made me wait an additional 4 months with the promise that they will provide me with the cash back.
|
| 09/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
On XX/XX/XXXX I purchased an XXXX XXXX XXXX computer and the XXXX XXXX XXXX protection ( {$1400.00} ). This purchase occurred online as I wanted the product delivered to my son at XXXX XXXX. AND, importantly, I purchased this at Best Buy using the Citibank Best Buy card because I wanted the reward points. Nonetheless, the transaction was booked as promotional credit without any reward points and I can not get either company engaged to fix the issue.
In the chat, as the purchase transpired, it was clear to me that the agent was confused as I had to repeatedly type : " I want rewards, not financing ''. In fact, I believe that would be clear in a review of the chat transcript, but I have been unsuccessful in getting anyone at Best Buy or Citibank to provide the transcript or assist.
I was told by Best Buy that I had agreed to the terms, to which I don't recall. However, I reiterated that if I did so, it was clear in the transcript that my intention was to receive reward points. Consequently, the manner in which this booked was deceptive at best and frankly I wonder if Best Buy incents their colleagues to book as promo credit vs. rewards where possible. Anyone would find that all of my Best Buy purchases are done with this card for reward points and the credit is paid in full automatically. Additionally, I have been told by Best Buy that this transaction can not be " repaired ''.
I have been told by Citibank that I have to pursue this issue with Bet Buy. In fact, several Citi employees have told me that they have nothing to do with the rewards portion, " Best Buy manages that ''. In more than a couple conversations, I have reminded the Citi representatives that this is their program and they own the program end-to-end, including Best Buy 's actions. Nonetheless, after several hours and days on the phone and in messages online, I can not get anywhere.
In my most recent call ( XX/XX/XXXX ) to fix this, I escalated a call with Citi to two levels, spending over an hour on the phone. She ( XXXX ) connected us with a Best Buy representative ( XXXX ) wherein they were ostensibly going to collaborate to assist. After some discussion with XXXX, XXXX excused herself assuring me she would provide this information to the XXXX card product manager and someone in the Compliance department. I also asked her to formally lodge a complaint within Citi. Within a few minutes the call was disconnected and I never spoke with either of them again.
My last call with Best Buy was XXXX XXXX where I spent more than an hour on the phone ; the agent ( XXXX ) informed me that I had consented and there was nothing that could be done. While I objected and remain convinced I did not provide consent, he refused to review the chat transcript to ascertain my intent or to provide a means by which I could retrieve the transcript. The agent who escalated my call had said she looked at the transcript and agreed that I had intended to receive reward points.
This issue is not for a lot of money -- the reward points are worth roughly {$65.00}. However, by booking my transaction as a promotional credit, both companies may benefit more -- the deferred finance and interest costs eventually due Citi and the avoidance of reward points that translate directly into expense for Best Buy. If this is being done a systemic scale, e.g., agents incentives, then there is a much larger problem.
|
| 12/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I recently pulled my credit report from all three credit reporting bureaus and found that an item which I had disputed with MACYS/DSNB ( the Company ) over a year ago is still being incorrectly reported to the bureaus. On XX/XX/2018, I sent correspondence to MACYS/DSNB, as well as XXXX, XXXX, and XXXX disputing the incorrect information. I have enclosed copies of each of the three the credit reports I recently received. The facts surrounding the disputed item, are further described below.
During XX/XX/2018, I used my Macys card for the charge account ending in XXXX in order to purchase one item in a Macys department store in XXXX, GA. The account carries promotional terms for purchases from time to time, and applicable interest owed on outstanding balances is billed monthly.
From XXXX thru XX/XX/2018, I did not receive any statements in the mail billing me for my purchase per the hard copy billing option which I selected for this account. In addition, I did not receive any electronic copies of any bills during that time.
During XX/XX/2018, I received a Macys statement in the mail which included amounts owed for my original purchase in XX/XX/2018 and additional late fees and interest which had accumulated since the purchase transaction. On XX/XX/2018 I met with a store manager, at the Macys department store of original purchase, and we held a conference call with a customer service representative to determine the reason why I had not received any bills for my initial purchase. During the call we discovered that my bill was being sent to an incorrect address partially consistent with my residence, but that address contained an error in the city of destination which was caused by predictive computer prompts. Based on the billing address error, customer service removed all penalties and accumulated interest since I never received a final bill for the initial charge purchase.
The enclosed credit reports from XXXX, XXXX, and XXXX are inaccurate because they reflect that my Macys charge account became delinquent starting in XX/XX/2018, although I never received any final bills or other notifications for any of the amounts which contributed to the total reported as delinquent, and Macys removed all past due penalties charged. Given that I did not receive proper billing notice for any of these incurred amounts, the charged balance was not yet owed per the credit agreement applicable to this account. The matter has since been corrected through the efforts of the customer service team and the disputed account was paid-off promptly upon presentation of a proper billing statement. In short, this matter was settled equitably through the efforts of Macys customer service team. Therefore, I requested that MACYS/DSNB remove all references to any past due amounts owed during XX/XX/2018in order to correct the information reported in my credit file accordance with applicable law and ethical standards and their own corrective actions to balance on my account.
However, my recently pulled credit report indicates that a year has passed and MACYS/DNSB has been unwilling or unable to properly investigate and resolve this matter by contacting all of the credit reporting companies to have them remove the disputed item. Accordingly, I am now requesting that the Consumer Financial Protection Bureau assist me in bringing this matter to a final equitable resolution.
|
| 09/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Note : I originally sent this to an consumer rights attorney. He could not find any information and said that it warrented a complaint to CFPB. I can provide the statements that I am reffering to in the notes below ...
On XX/XX/XXXX at approximately XXXX XXXX I was updating my spreadsheet that listed the promotional terms, as well as the APRs for all of my credit cards. It also contains information on which balances I need to pay first in order to avoid the heaviest interest charges.
When I was reviewing my spreadsheet I saw that I was about a year in with my Citi Diamond card. And my promotional terms would expire soon.
It shows the terms that I agreed to when I transferred a balance to them. Last year around this time I transferred my XXXX balance at 1.99 % for 18 months. I believe I did this with the checks I received in the mail.
I had this card set up for automatic payments so I thought I needed to check in to see where I was with it.
When I logged into my account something strange had occurred. I was paying the full interest of the card! I discovered that I paid almost 700 $ just this year from making minimum payments. That was not at all the 1.99 % balance transfer that I agreed upon. This was obviously a mistake so I called Citi. After about a half hour of being on hold, the representative came back. He was speaking with his manager to figure out what happened.
When he came back he told me something like this.. We see that you did the transfer from your but you also made a prior payment that paid off the balance of the card. Since you paid this balance in full you do not get the promotional balance of 1.99 %. At this point I needed to speak to this particular manager. This did not make ANY sense to me and I was angry. I may have used words like convoluted XXXX! I think I asked the manager if he really thought that this was cool to do to customers in which he ignored me. So after another 20 minutes or so of arguing with this particular manager I demanded a printout of every single one of my statements. I kept asking if he was going to help me because this was extremely unfair and absolutely not the terms that I had agreed to. Why would I pay XXXX in fees to transfer a balance just so that I could pay more on it! That would be absurd. This whole thing was absurd. He ended up crediting the interest from my last two statements. I feel this is an admission of guilt but I still feel like I had a bait and switch pulled on me. If you take the time to review my statements. When I received the statements this is what it shows in order.
STATEMENT 1 Shows the balance before the transfer. {$5400.00} It also includes an offer etended to me OFFER # 5 where it states that I am eligible for a transfer at 1.99 % with terms until XX/XX/XXXX STATEMENT 2 Shows where I pay off the ENTIRE BALANCE and accept OFFER # 5 to transfer my XXXX BALANCE of {$4400.00} with 1.99 % with terms until XX/XX/XXXX I also agree to pay the TRANSFER FEE of XXXX.
STATEMENT 3 Shows where CITI CHANGED THE TERMS of our agreement, they delegate {$1700.00} to STANDARD PURCHASES, the other half was changed to OFFER # 4 at 0 % TERMS WHICH EXPIRE XX/XX/XXXX.
Since I was paying other cards off and set up automatic payments I was unaware of the bait and switch until now. I am very frustrated and I feel scammed out of nearly {$700.00} and who knows how else they scammed me.
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| 01/18/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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CitiMortgage RE : Loan # XXXX FHA Case # XXXX With a last minute request for a Profit & Loss Statement my ( XXXX ride-share ) income which was already showing in my bank statements already given explained in my Hardship letter, stated in the CFPB Complaint # XXXX, prior to the Foreclosure Sale date ( XX/XX/XXXX ), the FHA Pre-Foreclosure ( PSC ) documents were submitted received on ( XX/XX/XXXX ) was rejected.
Complaints were filed. Calls were received by XXXX XXXX, XXXX XXXX User, from XXXX XXXX ( ID # XXXX ), XXXX Department on XX/XX/XXXX @ XXXX EST, that XXXX ( ID #??? ) XXXX, XXXX, XXXX, would call him. She called XXXX on, XX/XX/XXXX @ XXXX, stating because the foreclosure had already occurred that there was no option for a Short Sale. XXXX argued otherwise that the mortgage loan is a government insured product that they must obey the FHA Guidelines but she stated she had to go into a meeting and would call XXXX back. On, XX/XX/XXXX @ XXXX, XXXX XXXX called XXXX back [ now ] citing they did not get a full package ( 7 ) days before foreclosure sale date nor could not rescind the Sale because of FHA XXXX XXXX it is apparent contradictions that XXXX XXXX and XXXX XXXX XXXX Guidelines that do not exist FHA Loss Mitigation Options, Handbook XXXX, Sections nor would tell XXXX which Sections do these alleged Guidelines exist.
IN SHORT, CitiMortgage consistently creates discretionary guidelines, arguments, delays, tactics to ratify [ this ] Foreclosure Sale outside of FHAs Loss Mitigation Options endeavoring no resistance of illegal foreclosure business practices/activities i.e. profiling XXXX ( minorities ) senior citizens, nix ( {$0.00} ) relocation money, ruin our credit and pursue a deficiency judgment the perfect crime. They can not be allowed to circumvent the Law of Unauthorized Mortgage Account foreclosure business practices very similar to the Court approves XXXX XXXX {$480.00} XXXX settlement for allegedly lying about fake accounts. Shareholders accused the bank of lying about cross-selling tactics XX/XX/XXXX, XXXX XXXX said events are much worse.
A denial of Due Process will be deemed an act of conspiracy and conversion and will be escalated to the TV stations channels XXXX, XXXX, XXXX, and XXXX Investigations Teams, my State Delegates, Senator, Governor, Office of the Comptroller of the Currency, State Attorneys General Office, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX in the Morning. If necessary, XXXX XXXX XXXX. : XXXX XXXX Agrees to Pay {$110.00} XXXX to Resolve Consumers Class Action Lawsuit About Unauthorized Accounts, will be hired to file this Class-action suit ( yes ) it will cost CitiMortgage BILLIONS.
On XX/XX/XXXX, I received a letter ( see attachment ) from CitiMortgage if the request for short sale is not rebutted before ratification of the foreclosure date or within ( 10 ) days by written response following your receipt of this letter, I will presume said above facts to be correct and will enforce my Rights against any and all Banks, Servicing Companies and/or persons who violate my Rights willfully or out of ignorance of the Law.
UNDER PENALTY OF PERJURY, I have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief, is true, correct and complete. All calls were monitored and recorded ( phone transcript ) will verify the conversation with the above Parties.
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| 03/22/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Banking errors
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Web |
Servicemember |
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Background info : My parents opened up 3 CDs in XXXX XXXX at the XXXX XXXX Citibank Branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. My father passed away on XX/XX/XXXX, and I began handling my mom 's finances, as she is not able ( I am a trustee ). All three CDs were to have the interest earned transferred each month to my parents ' " interest income checking account, '' ending in XXXX.
Mid-XXXX, I realized that there were problems regarding two of the three CDs.
CD XXXX : No interest was being paid to any of my parents ' accounts. The statement showed the interest was being transferred to an account, however, no one at Citi, even to this day, knows to which account the money is being transferred.
CD XXXX : Interest was not deposited correctly into the interest income checking account, as per my parents ' request, but added back to the CD itself.
CD XXXX : Interest correctly being deposited into the checking account ending in XXXX.
Actions Taken : 1. On XX/XX/XXXX, I went to the XXXX XXXX Branch and spoke with XXXX XXXX. He told me that he would look into the missing interest. At the time he was unable to find out exactly where the interest income earned was going. Additionally, he called over his female supervisor, who also was unable to figure anything out.
2. Filed an online account complaint on XX/XX/XXXX, having a " live chat '' with XXXX. She assured me she would file an investigation into CD XXXX. ( Case # XXXX ) 3. On XX/XX/XXXX, XXXX XXXX XXXXXXXX a Citigold Relationship Manager Associate in New York wrote an email to my dad stating that he had been trying to get in touch with my father. I had actually returned his call twice, however, he never called me back. I emailed him on XX/XX/XXXX stating that my father was deceased, that I had indeed returned the call, and if I didn't hear back from him, I would need to take further action.
4. XXXX XXXX XXXX returned my call on XX/XX/XXXX and told me that he was referring me to XXXX XXXX, the bank manager at the XXXX XXXX XXXX.
5. A letter was received dated XX/XX/XXXX stating that Citibank completed their research and two ( 2 ) months of interest income were credited to the checking account, even though seven ( 7 ) months in total was outstanding as of XX/XX/XXXX.
6. Met with XXXX XXXX at the XXXX XXXX XXXX on XX/XX/XXXX. He said he had a " great '' team who would be able to do some detective work, and be able to resolve the situation shortly.
7. Received another letter from Citibank dated XX/XX/XXXX ( CLAIM # XXXX ), which stated that the research had been completed and that they had posted one additional month of interest earned for CD XXXX ( NOT TRUE ) and CD XXXX ( TRUE ) into checking account ending in XXXX on XX/XX/XXXX. It also stated that the CD XXXX would have its interest posted to the checking account, effective by the XXXX statement cycle. [ As previously mentioned, it has been posting back into the CD ] 8. Spoke via telephone with XXXX XXXX on XX/XX/XXXX at XXXX XXXX. He shared that he realized the situation was yet to be appropriately handled, even though the correspondence dated XX/XX/XXXX stated that everything was resolved. I shared with him that I felt it only fair that all interest income earned for CD XXXX should be transferred immediately into the checking account, since it was Citibank 's error. Nothing as been done as of today 's date : XX/XX/XXXX.
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| 09/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/18, I submitted to the CFPB, and the CFPB forwarded to Citibank, complaint number XXXX.
Today, on XX/XX/18, I received Citibank 's response, which was fundamentally and wholly deceptive and deficient. Thus, the issue remains unresolved as follows ( references to " COMPANY CLAIMS '' are to its XX/XX/18 CFPB response ) : ( a ) COMPANY CLAIMS : A letter was sent to the customer regretting his experience when he called and spoke with customer service regarding this issue. MY REBUTTAL : I have received no such letter. Further, given the certainty with which the company references its purported letter in its response, it is suspect that the company somehow fails to specify when and via what method its purported letter was sent to me.
( b ) COMPANY CLAIMS : The letter advised that since the account was over the credit limit he received the ATM error and could not make the payment at the ATM. MY REBUTTAL : As I already stated in my complaint, I did not exceed my limit ; Citibank exceeded my limit when it assessed its end-of-billing-cycle interest fee. As I further already stated in my complaint, this exact scenario of Citibank exceeding my limit with its monthly interest fee has been happening on the account for the life the card but has never prevented my making cash payment at an ATM. As I further already stated in my complaint, I was able to make payment at the same ATM on my other Citibank credit card despite the fact that it too was over the limit due to the same exact reason. As I further stated in my complaint, if the issue was that I was over my limit, then the resolution would be my making payment, which is exactly what I was trying to do when Citibank refused to honor my valid credit card for the sole purpose of making that payment per its own explicitly stated policy and as I had done hundreds of times prior. Citibank is especially disingenuous and suspect on this issue as it fails to specify in its response an alternative method of making my cash payment.
( c ) CITIBANK CLAIMS : He was informed that he has XXXX ThankYou points, which will expire on XX/XX/18 and he would need to redeem them before they expire. MY REBUTTAL : Besides not having received the letter Citibank ambiguously claims it sent to me, there is no way for me to redeem my earned ThankYou points given that the account is closed, which is why I asked that their cash value be included in Citibanks resolution to me in the first place. Citibank is again disingenuous and suspect on this issue as it fails to specify in its response an alternative method for redeeming my earned ThankYou points.
( d ) CITIBANK CLAIMS : His request for debt forgiveness was denied and the balances on the accounts are valid and were reinforced as owing. MY REBUTTAL : Given that Citibank failed four times to honor my valid credit card at two of its own branch ATMs for the sole purpose of making cash payment per its own explicit policy and as I had done hundreds of times under the same conditions, it is in fact the case that CITIBANK BREACHED ITS CONTRACT WITH ME FOUR TIMES. THUS, I DENY AND DISPUTE THE ALLEGED DEBT IN ITS ENTIRETY. Given these grounds, which I will invoke in any future proceeding, Citibank will remit this matter immediately, mark/close its files accordingly, and rescind as necessary any related adverse information placed with the national consumer reporting agencies.
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| 12/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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While I was in XXXX MT someone hacked XXXX XXXX stores POS system and stole credit card numbers on file and made multiple fraudulent charges. I had purchased a ring from XXXX in XX/XX/XXXX so they had my account on file and my cc number was among those that were used to make fraudulent purchases. They charged {$2300.00} on XX/XX/XXXX at XXXX XXXX in XXXX XXXX, CO, and then {$2100.00} on XX/XX/XXXX at a vendor shown as XXXX in XXXX, CO. All CITI could tell me about XXXX was that they were a jewelry store. They wont give me the name of the actual store and can not tell me what I supposedly even purchased there. I have search a lot on the internet and can not find any vendor in XXXX with the initials XXXX. A XXXX search for a credit card vendor code " XXXX '' also didn't turn up anything.
I immediately contacted CITI to have them freeze my account when I saw the charges. They asked me to check and see if there were any other suspicious charges on the account. I saw one vendor XXXX For {$80.00} that I did not recognize so I disputed that charge as well. When I got the dispute form for the XXXX vendor I saw that they had a different DBA name that I recognized and so the charge was valid. I called the CITI Fraud Department and told them that I recognized that particular charge and it was valid. I also submitted the paperwork. The guy I talked to in XXXX at the CITI Fraud department mis-understood me and changed the {$2100.00} charge at XXXX to a valid charge as well.
I have called the CITI Fraud department at least 6 times telling them they made a mistake and that XXXX charge WAS fraud and they needed to remove the charge from my account. I also forwarded them the email from XXXX and my flight confirmation showing I was in XXXX, MT when the purchases were made. Every time I called they assured me that they recognized it as a fraudulent charge and they would remove the charge within 2 billing cycles. One woman told me they were just waiting for the vendors bank to reimburse them for the charge before taking it off my account. Every month the charge would still be on my account and I would call CITI Fraud again to tell them to remove it and every time they told me they were going to remove the charge and any interest and fees in the next two billing cycles. They never did.
Last week I logged on to my account to see if it had indeed been removed this time and of course it had not been. They had even put an alert on my account that I was delinquent in paying my credit card. I have an XXXX credit score and I have not used that credit card since disputing those two Jewelry store charges. CITI is no claiming that the XXXX charge is valid but they wont tell me what evidence or reasoning they are even using to support the claim that it is valid. They won't even tell me the name of the Vendor or what I supposedly purchased from them. Per CITI they were supposed to have sent me written notification that the charge was deemed valid. They never did.
In Short, CITI is claiming that that out of two charges, for almost identical amounts, that happened over two days, at two Colorado Jewelry stores, when I wasn't even in the state at the time, the charge where I sent them the email from the owner of XXXX confirming that his POS got hacked was a fraudulent charge but the second charge from XXXX, who nobody can identify is somehow a valid charge.
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| 08/11/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My account was fraudulently used on XX/XX/2019 to the amount of {$200.00}. I have been a Citibank customer for over a decade and I NEVER even once had to speak to them in regards to any form of fraud with my bank account. That is why I am deeply offended by the lengths that I have had to go to thus far in order to prove to them that the occurrence was fraudulent. I primarily if not exclusively use Citibank ATM machines and there are an abundance of them in XXXX ; the location where this fraudulent transaction occurred.
In fact, I believe that my information was stolen while using a Citibank ATM on the last transaction prior to the fraud. I for sure would not have been have been using a non-citi ATM because as you can see in the amount of the dispute. A fee was charged of {$1.00} to withdraw {$200.00}. I see no reason to pay someone to use my own money. That makes no sense to me when XXXX has million options.
My card is basically an ornament in my wallet. No purchases are ever made with it and no one ever touches it but me or an ATM machine which is almost always a Citibank ATM. This is the primary reason why in over 10+ years I have never had to deal with any form of bank card fraud because I keep my exposure very limited.
Unfortunately, I now work in XXXX XXXX XXXX which is very densely populated and I believe that somehow an individual was able to tamper with the last ATM that I used prior to the incident on XX/XX/2019.
I check my account on my cell phone regularly. Therefore, I contacted my bank immediately when I noticed that I was missing money by means that were not authorized by me. This was around XXXX on XX/XX/2019.
I disputed the charge and then the bank then reversed their temporary credit stating " it was within my normal type of activity ''. I disputed this again ; this time providing evidence of emails from my work email address around the time of the withdrawal.
Despite this information and my request to review the account history to find any previous withdrawals during the middle hours of a normal 9-5 work week or from a non-Citibank ATM ; my second request was also denied.
Of course as I worked for, earned and paid taxes on the money that was lost ; I attempted to fight it a 3rd time. However, this time I was provided a different fax number for escalation. This number has not worked over 2-3 weeks of attempts to fax.
( Records of this can be provided as needed with date/time and images of the fax attempt as well the phone response. ) - One attached to this claim The biggest issue that I have is that I am being told what a transaction that " is normal for me '' or " would not be fraud '' is by their research. Yet, their researchers failed to get any of the main information correct when sending me this last denial letter.
The letter not only has the wrong dollar amount but also listed a completely different date. Even more troubling would be the fact that the date on the letter ( XX/XX/2019 ) is a date in my account history that does not even have ONE single transaction on it. ( No withdrawals, deposits, debits, credits, or anything to even dispute. ) This is why I have turned to you for help ; because I believe that their customer service is incompetent and I have been directed to a dead-end with " my only option now '' being to submit a request in writing to a non-working fax number. [ Fax : ( XXXX ) -XXXX ]
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| 06/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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" Executive summary '' -- Citibank is making it impossible for me to pay off a trivial balance by refusing to supply an address to which I can send a check, or even a valid phone number where I can receive the information. Instead they are adding late fees and now collections fees. Since this seems somewhat incredible, I am providing the details below. I've been trying for over a month to resolve this. Thanks for any help you can offer.
Greetings : Despite the fact that I maintain a very good credit rating, Citibank suddenly informed me that they were cutting the overdraft credit line attached to my checking account ( " Checking Plus '' or " CK+ '' ) to the amount then outstanding.
I've been trying for weeks to get Citibank to supply me with an address to which I may send a check for the remaining balance ( it was approximately {$45.00} or so, but since Citibank has severed my online banking access I can no longer confirm the exact amount. When I look at my credit-card accounts I can still see a CK+ balance now reading {$75.00} but I can no longer call up that account. ) At any rate, I decided to close the checking account, which I was able to do over Citibank 's online chat function since repeated attempts by telephone had failed. When I did so, I transferred my existing checking balance ( {$89.00} ) as a credit to the CK+ credit line and asked the agent ( 'Shahbaj ' XXXX how to pay off any remaining amount. I had already paid {$500.00} on XXXX XXXX, so the remaining balance was trivial. Note : I was able to pay that amount by transferring from my checking acct balance, but that account is now closed so this avenue of payment is no longer available.
XXXX responded as follows : " You can just give a call to our Custom credit department and it'll be done instantly. Here is the direct number Please contact our One Stop Sales Unit at XXXX '' I asked : " Do you know how exactly payment may be transmitted? '' XXXX responded : " Once you call them they can pull the funds from your other bank account or you can also send a check. Kindly call them and they'll tell you the specific details. '' I called the number directed but none of the menu options pertained to the task.
So I went through an alternate path and, after repeated attempts, eventually managed to speak with someone. However I was unable to understand his name.
He instructed me to call " Collections '' as the account " has been terminated and referred to collections '' He told me the number to call is XXXX and he and I both repeated that to make sure I had it correct. He also affirmed that a late charge and collections fee have now been added to the balance.
When I phoned that number a recording said it's a non-working number.
I tried several times.
At this point I'm at a dead end. Citibank is making it literally impossible for me to pay off this trivial debt, to which they are now adding late fees and collection fees. I implore you to do whatever you can to help me. Thank you.
PS : Not that it matters, but I've been a loyal Citibank customer since 1980, first in New York and then in Washington DC. That's forty years, and I can assure you it counts for nothing with them.
Naturally, I have also attempted to pay the bill online but Citibank 's site responds with this message when I do : " Account Details and Activity Information is not available for Closed Accounts. ''
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| 10/25/2016 |
Yes |
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Web |
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XX/XX/XXXX we bought a new house, and we were looking to remodel the kitchen. We went to Home Depot and worked with a fabulous designer, who told us that if we placed our order in XX/XX/XXXX and opened a Home Depot credit card ( through Citibank ), we could get 24 month no interest financing.
I remember filling out the credit card application, and signing the paperwork for the promotion. Our paperwork with the Home Depot reflected a 2 year promotion payable by XX/XX/XXXX XXXX.
We paid off our Home Depot card a week before the interest would accrue and called to get confirmation that it was applied to the account. But then, when I went to get a HELOC against my house, it showed that my Home Depot card was virtually maxed out - it lowered my credit score enough that I had to take a high interest HELOC. Upon investigating it became apparent that Citibank had back-charged XXXX of interest to the card.
On XXXX XXXX, XXXX I called XXXX to figure out why the balance was there.
In spite of me having paid {$5000.00} against the account back in XXXX XXXX to pay off the entire remaining promotional balance of {$4100.00} for the kitchen, they left a tiny balance of {$23.00} on the promotional account so they could charge 100 % of the back interest.
The CSR noted this from looking at my account history and assured me that : It would be cleared up by a special department called something like the Review Department. They would compute the amount I 'd paid in excess due to their error and, of course, remove the erroneous debt of over {$4700.00} from my account. BUT it would take up to two months for them to resolve everything.
I would be sent a full ( erroneous ) accounting within 10 days which I received in a timely manner.
On XXXX XXXX, XXXX Having heard nothing from Home Depot I called to follow up.
The " Review Department '' had concluded that the promotion was a 6 month promotion. The CSR have no power to dispute it.
Several damning pieces of evidence exist to indicate that they are lying : 1. I have an image of the promotional flyer for XX/XX/XXXX, stating the option for 24 months free financing with the Home Depot card. ( attached ) 2. I have prior bills from the credit card showing that the deferred interest was for 2 years, due XX/XX/XXXX ( please see the note on the bill indicating that the promotional amount ran through XXXX XXXX, XXXX.
3. The " back interest '' was not charged to the account until XX/XX/XXXX - if this were a 6 month deal, it should have been charged XX/XX/XXXX.
3. This also happened to us when we bought our fencing material this year - the deal was purchase more than XXXX and the finance promotion was for 24 months. It impacted our decision to re-fence the full yard, instead of just once side. The card was reflecting 6 months financing on that purchase as well when we called about the other issue. Fortunately they did rectify that situation, but it indicates a pattern of misconduct to me.
This refusal by Citibank/The Home Depot to acknowledge the terms they offered will impact the terms of my mortgage refinance ( I have to refinance my mortgage to eliminate the high interest HELOC I was forced to take because my debt to income is still showing XXXX higher than it should be due to THD ). In other words this " mistake '' is costing me a lot more than just the fraudulent back interest being charged by Citibank.
|
| 10/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Good Day Sir or Madam, To say that I am completely disgusted with Citi is an understatement. I have had a credit card ( Double Cash Back ) for about a year. I have always maintained the credit line appropriately and responsibly. Never an issue and I just paid the entire balance off to zero, from {$7000.00} approximately. The reason that I am writing your agency today is that I desperately need your help, as I feel completely disrespected and taken advantage of. Again, I have always maintained my account appropriately, even through very difficult times. This brings me to the crux of the issue. In late XXXX last year, my wife was in an extremely bad car accident. Her car was totaled and she almost died. I was on several of her credit cards as an authorized user. During her recovery, we tried to mange our finances as best as possible. It was at this time, that on one of our very small lines, with XXXX XXXX, we made a payment for only {$29.00}, which was the ENTIRE balance, in XXXX. Again, my wife was in an AWFUL accident, and we honestly thought we paid it on time. Needless to say, any decent human being would understand this situation. XXXX XXXX reported the payment late. We had no idea of this, especially with everything that was going on. This brings me to the major issue and where we are truly requesting that you step in with some decency to rectify this situation. Citi Bank, last week, reduced our credit line from XXXX to XXXX, based on this bogus and disputed information. We have a XXXX balance with both XXXX and Citi banks and shave always maintained our accounts in the highest of standards. Punishing someone after they have had an illness or an accident is not an ethical or even LEGAL thing to do. We get hurricanes in XXXX Florida and companies always reach out to us for assistance and payment forgiveness. This case is no different and there is a statute that protects us which should be applied. I personally have tried to contact Citi bank numerous times, to no avail. In fact, one representative, on a recorded line, even told me that he didnt care about my wifes personal problems, health, or well being. Stating also, that he didnt care whether I was a happy customer or not, and that I didnt know what my information was on my credit report. I was so angry and disgusted, that I hung up. This is, to say the least, unacceptable behavior. Not to mention, absolutely AWFUL things to say to another human being. And AGAIN, I paid the entire line off just now!! This particular reps name was XXXX. He supposedly is in their Kentucky office. Maybe, he said other things about myself or my wife, and it was blocked out on my end. Who knows?? XXXX XXXX has noted the account and seems willing, at this time to help resolve this. Lastly, this is a ridiculous situation, all caused because of a disputed, supposed, late payment, during a LIFE & DEATH circumstance. We, my wife and I, request that you, as an agency created to protect us, please investigate, punish, and chastise Citi for doing this to us. Especially, that rep XXXX, if you can find out who and where he is. This has been an awful experience over nothing and violates consumer law, not to mention all rules of common decency. We are all human and should respect one another, especially in times like these. I thank you in advance for your help and passionate response to this matter.
Kind Regards
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| 06/24/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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I am filling this compliant regarding Citibank closed my saving account and refused to send me the funds remaining in my account.
I opened a new Citibank Accelerate Saving account back in XXXX and successfully deposited $ XXXX on XX/XX/XXXX from my XXXX XXXX XXXX saving account. On XX/XX/XXXX, I received an email from Citibank that my account will be closed within 60 days. The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated. I contacted Citi twice on XX/XX/XXXX and XX/XX/XXXX, both Citi representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get the remaining funds back, they said I will be receiving an mail with detailed statement and a check of the remaining balance, which is around {$15000.00}.
Ok, no problem. But after patiently waited for 2 months, I still have not received anything from Citibank as of XX/XX/XXXX, so I called them again and this time they told me I will not be getting a check of the remaining balanced on my closed account. Instead, they asked to me contact XXXX XXXX XXXXXXXX where the funds originally came from, and they need XXXX XXXX XXXXXXXX to file a Hold Harmless Claim and return the remaining balance to the original account. Again, there were no explanation from Citi representatives as to why they can`t just return the remaining funds to me, which is legit deposit from my funds in XXXX XXXX XXXX XXXX
Anyways, I contacted XXXX XXXX XXXX for this request of filing Hold harmless claim. After talking to 5 different agents in XXXX XXXX XXXXXXXX claim department, which took me almost 4 hours. I got the same answer from them that XXXX XXXX XXXX can not file a Hold Harmless claim for the XXXX XXXX fund transfer to Citibank, because the fund transfer was totally legit and no implication of fraud, it was made by myself and was successfully deposited to Citibank account. XXXX XXXX XXXXXXXX states that Citibank should return the remaining funds directly to me, because it`s my money in Citibank account. If Citibank suspects any fraud involved in this transfer, XXXX XXXX XXXXXXXX expects Citibank to contact their fraud department and provided a contact email address.
In the following days, I made numerous calls to Citibank again, informed them of the response I received from XXXX XXXX XXXXXXXX, but all in vain. Citibank refused to contacXXXX XXXX XXXX XXXXXXXX fraud department to request a claim, and Citibank Deposit Risk team still insists XXXX XXXX XXXXXXXX to contact them to file a Hold Harmless Claim for a legit funds transfer from XXXX XXXX XXXXXXXX perspective. Citibank again refused to return my funds back to me on the closed account.
As a consumer, I`ve done my due diligence and spent tons of hours working with Citibank trying to get my money back, but ended up being putting into a hopeless position by Citibank where I run out of ideas how to get my {$15000.00} funds back. Citibank closed my account and hold account balance since XX/XX/XXXX with no reasonable explanation, and made the process impossible for a consumer to get their legit hard-earned money back. I sincerely hope CFPB can help in this situation with Citibank and and get my funds back.
Thank you so much
|
| 05/26/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
|
PLEASE NOTE : YOU HAVE THE WRONG PHONE NUMBER FOR ME!!!! YOU DID NOT GIVE ME AN OPTION TO CHANGE IT ONLINE FROM MY PREVIOUS COMPLAINT OF A LONG TIME AGO. MY PHONE NUMBER IS : XXXX BACKGROUND : On XX/XX/2023, I placed an order for {$190.00}. There was {$3.00} credit left on my card. The CREDIT CARD chopped up that amount into two amounts on that credit card, i.e., XXXX and XXXX. In answer to an email of today from the credit card company to " update '' my information, I happened to go onto the Home Depot CREDIT CARD website today, XX/XX/XXXX, and discovered that, according to them, I was {$180.00} OVER my credit limit! This was upsetting. I make a concerted effort NEVER to overdraw my account. I knew something was wrong, but there was NO INFORMATION on the website that would tell me what was going on, so I had to speak to a human being.
( 1 ) It took me about 20 minutes to get a human being to come to the phone. VERY difficult. The computer voice kept telling me that she did not understand my words. I am partially XXXX, so I always need to talk to a human being when trying to get a problem fixed, PLUS the web site did not have any information about this.
( 2 ) The first person I spoke to ( FINALLY! ) told me that the PENDING deduction from my account was not taken off when the ACTUAL deduction for the order hit my account, which makes it look as if I have ordered TWICE AS MUCH as was actually ordered. He told me it would " eventually '' roll over in a couple of days. I wanted him to notify people who are in charge of this function that I have a complaint about it because it looks bad for ME when they show that I have overdrawn my account, which I DID NOT DO!
( 3 ) The next person, a woman, told me that the PENDING CHARGE stays on my account for 7 to 10 days, REGARDLESS of whether or not the order has hit the account. ( I am assuming it is when the order SHIPS that this is when the 2nd charge is made to the credit card. ) I wanted this woman to tell me how to lodge a complaint about this or to notify the decision makers that this was a problem for their customers. NONE of my other credit cards or bank accounts or loans operate in a way that makes it look like I have overdrawn my account for 5 to 10 days out of the month! That's not right.
INSTEAD of doing that, she dumped me onto the queue for the online ordering department of Home Depot, knowing that they would not be able to answer any questions about the CREDIT CARD, which is what I had called them about to begin with. I think she was trying to just get rid of me and also avoid getting an unflattering questionaire result at the end of the call.
( 4 ) When the next person came on the phone, after waiting for a LONG TIME, he said he would have to switch me back to Citi Bank. I had already been on the phone for a very long time, I had been treated disrespectfully by the second person with whom I spoke ( who said she was a supervisor ) and I was not going to go through the runaround all over again, and start from the beginning at the credit card company, all over again. So I hung up.
WHAT I WANT : is for the PENDING charges to be removed when the ACTUAL charges hit the credit card, INSTEAD of the present situation, where the PENDING CHARGES arbitrarily remain on the account for 7 to 10 days, regardless of whether or not the actual charges have hit the account. I know they can do that
|
| 08/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In XXXX XXXX I contacted CitiMortgage to give me the requirements to remove my mortgage insurance. I received a letter from CitiMortgage on XXXX XXXX, XXXX, however, the information I was sent was not correct. The requirements I was given did not pertain to the state of California. I found this out recently in XXXX XXXX when I submitted a complaint through the CFPB asking for assistance to remove my mortgage insurance because CitiMortgage was requiring items that did not pertain to me to remove the mortgage insurance. As a result of my findings, CitiMortgage removed my mortgage insurance, however, it should have been removed in XXXX XXXX. The value of my home was {$630000.00} in XXXX. This was the value per the sales comparables in XXXX my area. My balance at this time was {$470.00}, XXXX. The requirement to to remove the PMI was that I needed to be at 75 % LTV. At this time I was actually at 74.5 % LTV. My mortgage insurance should have been removed at this time, but CitiMortgage did not remove it because the company was referring to the PMI requirements to remove PMI for other states, not for California. I contacted CitiMortgage on XXXX XXXX, XXXX asking for a refund of the PMI premiums I paid after the time my PMI should have been cancelled. I talked to XXXX, who is the person on the " Executive Research Team '' that is assigned to my case. I also asked XXXX to submit my request to CitiMortgage Executives to change the letter regarding PMI removal for customers in California because the letter CitiMortgage is currently sending to borrowers gives inaccurate and misleading information. XXXX told me he would contact me by XXXX/XXXX/XXXX. I did not receive a call from XXXX on XXXX/XXXX/XXXX therefore I called him on XXXX/XXXX/XXXX and left him a voicemail. I called once again on XXXX/XXXX/XXXX because I did not receive a call and I talked to XXXX. He told me the PMI Team was reviewing my case and he would call me back on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called him because I did not get a call and I left him a voicemail. I called him again on XXXX/XXXX/XXXX because I did not get a call back and left him another voicemail. Then on XXXX/XXXX/XXXX I called the customer service department at CitiMortgage to get in contact with XXXX 's manager. I talked to the customer service manager XXXX, ID # XXXX. He contacted the " Executive Research Team '' and he was told that the manager in the department was not available to talk with me. He was told to email th them and someone would call me right away. It is XXXX/XXXX/XXXX and I still have not received a call back from a manager at the Executive Research Team. I need the CFPB to help me get two things accomplished : I need to get a refund for PMI premiums that I paid from XXXX through XXXX which is the period after my PMI should have been taken off my account. My PMI pmt was {$350.00}.
{$350.00} x XXXX {$2100.00}. This is the amount I should be refunded.
The second item I am asking the CFPB to help me with is to make s sure CitiMortgage is sending the correct PMI removal requirements to borrowers in California. The letters that are being sent to borrowers do not have the correct information according to Civil Code Section 2954.7 and as a result borrowers are being misled. My account number is XXXX. Thank you for your assistance and I would appreciate it if this was taken care of expeditiously.
|
| 01/28/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, while working on my taxes and going through my credit card statements, I noticed a charge on my Best Buy Credit Card Statement that fluctuated month to month. I normally just pay my account online each month and unfortunately don't pay close attention to the statement. I have purchased numerous items over the years from best buy that including a warranty ( such as XXXX, computers, televisions etc ) so if I noticed a charge on my account over the years I assumed it was for one of these. When I began to really closely review my account statements I noticed I was charged the fluctuating fee every month all the way back to as far as my statements would pull up online (XX/XX/XXXX ). There is a number next to the charge that states to call this number concerning this fee and not the Best Buy Consumer Card number. I called this number and questioned the charge and I was notified at the beginning of the call that the call was to be recorded so the company should have the recording. I inquired about the charge and when it was added to my account and asked how is was authorized to be put on my account. The representative told me I had been charged for debt protection and the charges began in XX/XX/XXXX when I opened the card. I told the rep, that I had NEVER authorized this charge and I wanted to dispute it and wanted all of the charges refunded back to XX/XX/XXXX. She asked if I wanted to cancel the debt protection and I said yes ( I never authorized it to begin with ), she then told me that she would cancel it, and she would have all of the charges removed and I would see this reflected on my next statement. Meanwhile I called Best Buy Consumer Card Service number and notified them of the fraudulent charges and my disappointment, I then inquired about the about interest that has been charged against this monthly fraudulent charge since XX/XX/XXXX. The representative told me he could reverse the recent amount of 41.00 interest charged but that would be all he could do so I told him I would wait until the refund was made and then speak with someone else concerning the interest on the charges. I then messaged Best Buy online and asked to be mailed copies of all of my statements that weren't available online past XX/XX/XXXX. I received those statements in the mail today ( XX/XX/XXXX-XX/XX/XXXX ), XX/XX/XXXX-XX/XX/XXXX was not included in the mailing ( most likely because XXXX was over the card through those years and sold to Citi in XX/XX/XXXX ). I received an online message through my account stating that the debt protection was cancelled but the funds would not be refunded to me. From the statements that I have dating back to XX/XX/XXXX, I have been charged XXXX for these fraudulent debt protection fees on the statements that I have and there's no telling how much more for the three years I don't have available. I went online researching this matter and it's clear I'm not the only person that this has happened to. This is a widespread matter that needs to be investigated and stopped. I expect for these fees to be fully refunded and my account credited the full amount and the interest amount that was charged against these fees refunded as well. Best Buy, Citi nor any third party company has any documentation of my authorization for this debt protection or the fees associated with it. Thank you for your assistance in this matter.
|
| 01/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I am disputing a derogatory credit report issued by XXXX XXXX based on two missed payments, specifically in XXXX and XX/XX/2018.
Several phone calls were made to XXXX XXXX on XX/XX/2018 to expedite payment and clear the remaining balance in order for this writer to appeal for reversal of the derogatory remarks with XXXX 's consumer credit specialist. This writer further went to XXXX 's store on XX/XX/XXXX and turned in a {$150.00} cash deposit to customer service to fast-pay an adjusted balance of {$140.00} since the phone payment done on XX/XX/XXXX has not cleared yet ( normally takes 48 hours per XXXX XXXX ).
An excerpt of the letter sent to XXXX XXXX to help resolve the issue is thereby included in this narrative : I am writing to dispute a late payment report with derogatory remarks imposed in my credit file. The item Im disputing is XXXX star rewards account. Its remaining adjusted balance of {$140.00} was paid over the phone as of XX/XX/2018, and the account was closed upon my request.
This late payment report is inaccurate because of the following : 1. I accompanied my XXXX-year-old daughter to XXXX store to pick and purchase a party dress for her. When the purchase was made on XX/XX/2018 ( original purchase {$100.00}, the record was obtained from XXXX store XXXX ), I was under the impression that the items were applied into my debit/bank card because I handed it over to the store clerk. I was offered during this check- out to enroll for XXXX rewards card for on the spot store discounts and for future purchases. I said No, I dont have enough time because we were in a hurry to leave for her hockey game that evening. The store clerk insisted it will take a few minutes so I reluctantly said okay. I preferred using my debit card as a credit card so I signed off for the purchase and we both quickly left. I was unaware that the store card was also approved during check-out and the purchase was entered into the store card instead of my debit/bank card which I thought was charged for the purchase so I did not expect a bill to arrive.
2. I received XXXX statement as of XX/XX/2018, and found out that the account is 2 months past due. Im not even aware if there were other statements that were mailed to us because this is the first and only statement my husband and I have seen for the months of XXXX and XXXX. The address printed on this statement is incorrect. The full address is as printed above .... ( address deleted per CFPB instructions ). We live in a 16- unit condominium building with a designated mailbox for each owner. I did not receive a XXXX XX/XX/2018 statement nor a XXXX credit card. There is no guarantee that previous XXXX XXXX statements were delivered appropriately or mailed to my current address.
As a result of this derogatory remarks sent to the credit bureaus, my credit rating was greatly impacted in the midst of our mortgage loan pre-closing which was questioned during supplemental report review.
I am requesting for removal and reversal of the derogatory credit reporting as I find this unfair and unacceptable business practice. For a {$100.00} or unadjusted {$110.00} which I initially offered to pay for with my debit card, your store clerks should have been trained to respect preferred payment methods from customers who already said no the first time when an invitation for a store card is presented but declined.
|
| 07/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2023, I filed a complaint with Citibank about a charge of {$97.00} XXXX : XXXX XXXX XXXX The charge was revised, removed, and the {$97.00}, was credited back to my account.
On XX/XX/2023, I received an email from Citibank stating, Your FICO score has changed click here to review. When clicked the link it took me to Citibank and I logged into my account. There is where I saw a charge of {$97.00}, XXXX : XXXX XXXX XXXX.
I contacted Citibank immediately to let them know there was a fraudulent charge on my account. I was told after XXXX or so hours that the security department was closed, to call back on Monday, then the representative hung up on me. I called right back and spoke with a manager who told me that the charge was a previous charge from XX/XX/2023, and the credit was returned from a previous credit applied and placed back on your account on XX/XX/2023.
I said XX/XX/2023. It is XX/XX/2023. Why I did not receive a letter in the US mail about Citibank 's decision or a letter to my email address Citibank has on file? She said, We sent you the letter via email on our website. I said, I dont have an email with Citibank XXXX She said, All customers have an email.
I said, I was not aware, Citibank should have sent me something to my home regarding their change or a letter to my email that you have on file.
I said, I would have never known about this, and the only reason I know about this now, is I received an email from Citibank saying Your XXXX score has changed click here to review. I am concerned about my credit score and additional fees. No one had called, emailed, or sent me a letter to my home or email warning me about Citibank 's decision to recharge me.
I said, I just paid the account off in full in XX/XX/2023, and I feel like you guys are retaliating against me since I complained, about Citibank overcharging me after I paid off the account and I stop use the card. As a result, Citibank had to credit me back because you tried to charge me interest fees after the account was paid off in full.
The manager said, Well I can show you where to find the letter. She and I look but the system would not allow me to download or open the letter. So she said, I can send you a copy to your email but it would take XXXX hours to receive it. So I told her to send the letter so I can see it.
I feel like they have broken many laws. I have not received a notification in a month. I have not received a notification to my email there have on file, I have not received a notification to my home via US mail, and I could not download the document via their website, even with the help of a manager while on the phone. Citibank has not given a legal justification or reason why they are refusing to remove the charge and charging me {$97.00}.
I am saying CFPB to investigate, Citibank 's illegal mishandling of this process. I am asking to have my account credited {$97.00} and place my account back to a zero balance to show the account is paid in full, and a positive and zero balance shown on my credit report on all three credit reporting agencies. ( XXXX, XXXX, and XXXX. ) FYI on XX/XX/2023, they canceled the original credit card and issued a new credit card. Then XX/XX/2023, decided to charge me {$97.00} after they canceled my original credit card and there are currently charging me interest on the {$97.00}. That makes no sense.
|
| 12/05/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
This complaint is for Citibank.
On XX/XX/2018, I opened 3 CD accounts ( with different maturity dates ) online at Citibank. I have transferred {$25000.00} to each of these CDs using the funds I have in my checking and savings account ( {$75000.00} total for the 3 transactions ). None of the transfers were successful. Two of these {$25000.00} came back, while one of the 25,000 was missing. It was supposed to go back to my savings account but it never did.
I called Citibank on XX/XX/XXXX. They have opened a case for me, XXXX. They said it will take 1-2 business days to get investigated and resolved.
It did NOT.
I called back on Monday and asked for an update, and there they told me it will take 5-7 days. One agent said it will actually take 10 days max. It is a computer error on Citibank 's end. They shouldn't be allowed to hold a large amount of my money, XXXX, hostage while taking their time to " investigate ''. It is not acceptable. What if I need this money to pay rent and utilities, and I would be kicked out on the streets if I dont?! It should have been escalated and should have corrected within 1 business day. I don't know why I have to be in queue for 5-10 days without a concrete promise that the funds will go back to my account.
It is my money and they lost it, and some reason it takes them 10 days to rectify. This does not make any sense to me.
I was in touch with the bank daily, but all I get was the case was not assigned to any investigators yet, and there is nothing they can do. There was not an option for me to be assigned to one agent so I don't have to explain myself every time I call. Two supervisors ( XXXX, XXXX on XX/XX/XXXX around XXXX ET ; and XXXX, XXXX on XX/XX/XXXX around XXXX-XXXX ET ) offered to call me back for an update / time frame and one of them offered to personally monitor the situation, no one called me back. Two times I was hung up on as I was being transferred to a supervisor / manager. One of the agents at the dispute department, XXXX at the Texas location ( XX/XX/XXXX around XXXX-XXXX ET, I didnt get his team # as he was quite defensive ), refused initially to transfer me to the supervisor or call into the investigation team to get updates.
I asked to be transferred to the " investigation / premium escalation / back office '' who will be investigating the case to get more information, they said they can not do that as they won't take calls. I asked if the case can be escalated, they said that can not be done. On XX/XX/XXXX, an escalation case was created by a supervisor ( Team # XXXX ), but it is in queue behind the case that was opened and that will also take 5-7 days to even be looked at. So that wouldn't help.
To this date ( XX/XX/XXXX ), I was told that my case wasn't assigned to anyone, it will take 5-7 days / maximum 10 days from the day the case is opened, and there is no guarantee that funds will go back to my account when they actually investigate. This is terrible. XXXX can be someone's life savings, and I was not able to sleep at night because of this, yet, nothing can be done by no one. I would like to file a complaint, and please do help me get my XXXX back into my account, PLUS any interest that it would have accrued at this point.
Another complaint I have is, how would it be so challenging to transfer money into a CD via online banking to begin with?!
Thank you.
|
| 04/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Good morning, I file a claim against the Best Buy Credit Card service company, since on three occasions I have filed a claim for improper collection for my credit account that they have unfairly decided to close my case, after I tried to make three approaches to fix this charge issue, the claim for the improper charge was for a purchase of air tickets on XX/XX/XXXX, the said payment for the locator number XXXX which is combined with a ticket number XXXX was rejected by of the line of credit on two occasions an attempt to purchase was via the XXXX website and when I did not receive the confirmation I was forced to call the airline asking for a reservation under the name of XXXX XXXX and XXXX XXXX they told me that the payment was declined on the transaction ID is XXXX the second attempt was on the call I submitted the payment in telephone authorization, that can only be done with the same card number card previously registered on the page, the transaction transaction ID is XXXX This information was obtained on XX/XX/XXXX from XXXX XXXX and confirmed on Monday, XX/XX/XXXX, with this information and since XX/XX/XXXX, by XXXX the collection was in Hold, no charge appeared. Therefore, I could not make the claim at that time, since it is necessary to wait for the charge to appear in the account statement to issue the claim, the {$990.00} charge appeared on my statement for XXXX XXXX XXXX as a XXXX XXXX purchase with references other than those found by me the transaction ID in XXXX and the billing reference in the account statement is a number similar to the air ticket number XXXX that differs by one digit. I called the airline first and the airline confirmed that the payment transaction was not approved by the XXXX on the day As of XX/XX/XXXX, the airline 's customer service, through the different transaction numbers, can not verify where and where this charge was made. They deny having made a subsequent charge and that they never received the payment at the time of the purchase. This voice information and in two emails an open claim ticket XXXX and a cancellation email due to insufficient payment for the locator XXXX indicated that they did not have the payment registered, they could not make my reimbursement. Therefore, I had to process and start a claim with the credit company the claim did not seem to be a problem but the credit company Best Buy Credit Card service managed by Citibank has not been exactly an easy task for the investigations for this charge and they have shown me evidence or they have obtained evidence that does not have my name and does not have the dates of the claims, I can conclude that they manufactured evidence by coincidence since That the evidence that they have shown me has been from my relatives, in this case my mother and my wife and they are trying to say that I do use the air tickets and that the claim does not proceed, I have given them all the information and they to this day XXXX they refuse to review the evidence that is wrong and they do not want to help me. That is why I ask that you communicate with the credit company and we manage to mediate so that they search for and verify all the evidence that really corresponds to my locator number XXXX and under my name XXXX XXXX to my card number. XXXX because they disclosure information no related to me they broke privacy act and fair credit report act.
|
| 03/17/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Servicemember |
|
On XX/XX/XXXX and XX/XX/XXXX I made a cash deposit of XXXX in a local Citibank ATM. I tend to make multiple large cash deposits like this monthly do to having to transfer money between multiple banks. On XX/XX/XXXX I was going through my bank statements because over the last few months I have caught Citibank adjusting my funds around so that I would bounce checks, I decided that i would look back a few months because it seemed like my balance did not add up to my personal spread sheet i keep at home for my banking records. I came across multiple discrepancy that I will add later on here as well. I discovered on XX/XX/XXXX when i made 3 deposits of XXXX dollars they had my account showing that i withdrew XXXX and then deposited XXXX then deposited XXXX and then deposited XXXX and then deposited XXXX. Now they showed me making all of these transactions at XXXX then at XXXX and then 2 deposits at the same time in the same machine at XXXX one for XXXX and XXXX which I did not do any of the transactions listed at the time they adjusted it to say. I seen how messed up the transactions were and that i was missing XXXX plus XXXX dollars in withdrawals that i did not do. I called Citibank to report the errors and requested to file a investigation and requested to have my missing money credited back to my account. on XX/XX/XXXX City Bank agreed to credit XXXX only to my account and said they would look into the issue and send me a report when the investigation was done. Now I was irritated considering i have still XXXX missing and that I caught them moving charges around to bounce my account, Now on XX/XX/XXXX I received a letter in the mail from city bank stating that they were going to pull the XXXX from my account because I should have reported the error sooner then 60 days. I called them and told them that I would have reported it sooner if I was not gone for business, and then gone for XXXX and XXXX holidays, and that honestly they are supposed to make sure my account is accurate and that i should not have to check everything all of the time because thats there job. After telling the lady over the phone to not steal any money from my account she said she was sorry and there was nothing she could do. She admitted to me that Citi bank seen the error and that they adjusted it on that day which now explains why i had multiple withdrawal 's and deposits that day. I told her that thats my money and I wanted to file a dispute so they would not pull the only money I had to my name she filed a new dispute and let me go. A few hours later I seen that my account was overdrawn for XXXX dollars which i called again and they said sorry but they cant do anything. I told them thats stealing and that they can not legally keep my money just because it was a little over 60 days when i seen the missing money. This Bank stole my money and left me and my children penny less for 4 days until i was paid by work. I missed 3 days of work and I want Citibank to not only Pay me the XXXX they stole but XXXX for 3 days loss wages and to tell my children why they had to ask a local church to help feed us because the greedy banking company stole there fathers XXXX dollars to pay for Food and Gas the rest of the week. Please have this bank held responsible for there illegal actions. If you need documents please let me know I can provide everything you need.
Thank You
|
| 05/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
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( 1st dispute ) as I disputed this, SEVERAL TIMES XXXX ( where I was advised to send the email ) Name : XXXX XXXX Subject : XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number : XXXX Acct number : XXXX Case # : XXXX Date : XX/XX/XXXX Amount : {$2700.00} ( XXXX ) My account, ending in ( XXXX ) was COMPROMISED, whereas SOMEONE DISPUTED MY VALID TRANSACTIONS! Therefore, once I was made aware, I DISPUTED the FRAUDULENT DISPUTES! I received a provisional credit, in the amount of {$7800.00}, to make good, on the valid transactions, that were disputed, fraudulently! I requested that Citi please reverse this debit, on my account, as there was NOTHING, for me to provide, additionally, as they were requesting, considering the transactions were FRAUDULENT! All of the transactions that were submitted, were FRAUDULENT, & the majority of them, were handled, as such! However, the transaction ( s ) in question, was not handled, as FRAUD, because CitiBank requested ADDITIONAL DOCUMENTATION, which they did NOT request this, for the rest of the transactions, included in the claim! I was totally confused, & tried to provide SOMETHING, per their request, & got nowhere! My claim was DENIED and I APPEALED IT, SEVERAL TIMES, only to end up with my account CLOSED, due to this negative balance, stating that I owe {$2700.00}, along with NEGATIVE REPORTING, to XXXX XXXX! My FRAUDULENT CLAIM was handled, as a regular dispute, though it was FRAUD!
XXXX XXXX Done by : XXXX ( whom I thought finally understood my situation, as I had the HARDEST TIME explaining this situation, OVER & OVER to Citi representatives , who barely spoke, nor comprehended XXXX ) XX/XX/XXXX Reference Number : XXXX Amount : {$2700.00} ( I thought he understood, & Id be getting REMEDY, but that NEVER HAPPENED ) COMPLAINT : Ive been trying to resolve a fraudulent issue, with my account, since XXXX, & have gotten NOWHERE!! Ive faxed, documents, as well as emailed them, & still, NOTHING!! Im prepared, to take this further, due to the incompetency, within this bank, when it comes to communication, & resolving issues, for customers! Every time I call, which is often, I have to explain the situation, to the representative, as if you guys dont utilize NOTES, that you can refer back to, so that the rep knows whats going on, & the customer, doesnt have to KEEP repeating themselves, hence I shouldnt have to constantly contact you, considering I was promised, a call, back, SEVERAL TIMES! I was given SEVERAL promises, for callbacks, from supervisors, in both the customer service department, AND the centralized disputes unit, & NEVER ACTUALLY GOT A CALL, BACK!! So, NO, I wouldnt refer ANYONE, to CitiBank! I am demanding that CitiBank COMPLETE A THOROUGH INVESTIGATION, to this dispute, pertaining to XXXX! I am NOT responsible, for this, as Ive expressed OVER & OVER that my account was COMPROMISED, & FRAUDULENT TRANSACTIONS were completed, on MY account! This had RUINED MY REPUTATION, as Im unable to open bank accounts, & ALWAYS DENIED CREDIT, due to this reporting of ACCOUNT ABUSE! CitiBank is KNOWINGLY reporting this INCORRECT INFORMATION, as Ive been DISPUTING THIS, from the start! My leasing office contacted me, advising that I had a balance due, as my rent payments were CHARGED BACK! I instantly contacted Citi, regarding this, making them WELL AWARE, that my account had been COMPROMISED!
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| 06/11/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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On XX/XX/XXXX, I contacted Citibank 's customer service regarding monthly service fees I was charged for last 5 months ( {$25.00} per month ). The rep informed me that in order to have the service fee waived on the banking package that I was currently have, I would need to maintain a monthly average balance of $ 10k. I then informed the rep that I have never maintained that balance in that account since I opened it back in XX/XX/XXXX. She then informed me that I had a waiver placed on the account that was waiving the monthly service fees but that waiver is no longer valid and that I would need to maintain the balance requirement. I informed her that I would not be able to maintain that balance and to move me into an account were I would not get a service fee. She then informed me that she's waiving the service fee 's I was charged and that she will be downgrading me into a basic banking package where I wouldn't get a service fee. She then told me that there's nothing else that I need to do and we hung up. Fast forward to XX/XX/XXXX, I checked my bank statement and I was charged a service fee for the last 2 months. I called customer service and the rep informed me that the previous rep never downgraded my banking package. When reviewing my account package he informed me that the type of savings account I have was preventing the downgrade and that it needed to be converted to another type of savings account. I told him just to close the savings accounts instead of converting it. He informed me that he closed the savings and downgraded my account package but he wasn't able to waive the last 2 months of service fees. I told him that the previous rep didn't tell me the issue with the savings account and since she told me that I was downgraded I shouldn't be responsible for the fee. I then requested to speak with a supervisor and then the call was disconnected. I called again on XX/XX/XXXX and asked to speak directly with a supervisor this time and explained to her my situation. She informed me that she cant waive the 2 months of fees and I was also charged a fee for closing the savings account the previous day ( which to rep failed to mention ) and that it was my responsibility to know what my banking package requirements are to avoid the fees. She then went on to informing me that the original rep that I spoke with on XX/XX/XXXX, only noted in the system regarding the fee reversals and nothing regarding the banking package change. I explained to her, again, that I shouldn't be responsible for the last 2 months of fees because I was told that the account was downgraded. She then went on saying that it was my responsibility to know the requirements of my banking package etc ... I informed her, again that I was aware of it back on XX/XX/XXXX when the rep told me and that's why I wanted a downgrade my package then. She then repeated herself saying that it was my responsibility to know the requirements of my banking package etc ... ( this went on for 5 minutes ). At the end she said that I have to send a written correspondence to Citibank Client Services in Texas to have them waive the service fees and that she'll file a complaint against the original rep and that rep 's manager will review the call since its recorded. I asked her to pull the call since it's recorded, but she informed me that the recordings are for training purposes only.
|
| 10/28/2023 |
Yes |
- Credit card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Older American |
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Note : The following was sent certified Return Receipt to Home Depot Credit Services in XXXX XXXX and XXXX XXXX
On XX/XX/XXXX, I purchased a Dryer from Home Depot along with 2 sets of Plastic Boxes. When I went to pay the cashier she ran the Customer Service Invoice through the register. The printed information was jumbled and not readable. I told her to reprint it. She could not. She called a Manager and he told her to return the item and repurchase it. I only repurchase the Dryer, not the XXXX plastic boxes. She did and everything was ok until I got home and looked at my account.
Promotional Balances Expiration Description Balance XX/XX/XXXX NO INT FOR 24 MOS - PMT REQ $ XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX No INT FOR 12 MOS - PMT REQ $ XXXX BALANCE XX/XX/XXXXXXXX XXXX No INT FOR XXXX XXXXOS - PMT REQ XXXX XXXX BALANCE I did not purchase anything for {$71.00}. Second, your own standards say the a purchase must be {$200.00} or greater for the PromXXXX.
I called Home Depot Credit Services on different days and this is the service from each of your Customer Service reps : XXXX - We discussed distribution of payments. She was helpful.
XXXX ( Specialist/Manager ) - It was difficult getting a straight answer from her. She mumbled something about allocations. She acknowledged it was their problem created by their systems. She said it would take 2-10 days to fix. Nothing ever happened.
XXXX XXXX Customer Service Rep ) - A total waste of time.
XXXX ( Manager ) - I wonder if he knew what planet we are on. I explained my problem to him and he discussed something else. He told me it was still being investigated. I ask to speak to a Senior Manager. He said he was transferring me to a Senior Manager. I wanted on the line for 45 minutes and then hung up.
XXXX ( Manager ) - I finally reached someone who listened and understood the problem. He said I would get a letter confirming my identity concerning my account. I never got anything.
XXXX XXXX- she gave some hope. She said she knew what caused the problem and would fix it. That was months ago and the problem is still there.
Listed below are the documents I attached to the original letters ( I can provide them if you tell me how ) : Exhibit 1 - Customer service invoice with garbled printing. Date XXXX XXXX XXXX
Exhibit 2 - Garbled portion of Customer Service Invoice ( Exhibit 1 ).
Exhibit 3 - The original initial register receipt for the Dryer and 2 Plastic Boxes. XXXX {$610.00}. Date XX/XX/XXXXXXXX XXXX XXXX
Exhibit 4 - Customer Receipt Refund. Date XX/XX/XXXX, no time stamp.
Exhibit 5 - Customer Service Invoice for repurchase of Dryer only. Date XX/XX/XXXX, XXXX XXXX.
Exhibit 6 - Reprinted garbled register information from initial Customer Service XXXXnvoice ( part of Exhibit 5 ). Date XX/XX/XXXXXXXX XXXX XXXX
Exhibit XXXX - Repurchased Dryer invoice with no other items. Total {$600.00}. Date XX/XX/XXXX, XXXX XXXX.
The attached documents are absolute proof of what I purchased and signed up for a promotion not to pay interest if the amount is paid within 12 months.
I received a letter on XX/XX/XXXX from the XXXX XXXX facility. They told me to call because they needed additional information. I called. The Customer Service Rep had no idea what I was talking about and asked me to start from the beginning. I told her it's all in your system. I hung up.
Please help me.
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| 03/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I had an issue Dispute Resolution with Citibank so i phoned there dispute resolution department Saturday XXXX. The call went on for nearly four hours ( being transferred to three different representatives ) .The second rep XXXX was quite disrespectful and spoke over me most of the call so I asked to speak with her manager. I was transferred to XXXX, who was likewise not very professional. XXXX was rude and condescending to me on the phone and said that the Dispute was closed two months ago, despite getting my first request for information by post XX/XX/XXXX. He told me this request was automated sand that they had decided my case in XX/XX/XXXX without any information or request for information. I said I was shocked and disappointed in Citi. He then told me I was just upset because I didnt get what I wanted. I said as a customer of 20 years I expect a legitimate investigation of the billing dispute and requests for information. He made a few more snide remarks so I said I would need to consider whether or not I wanted to continue being a Citi customer. He then asked are you confirming you want to cancel your card. I said no and then finished the call. When I woke up this morning, Citi had cancelled my card without my authorization.
I phoned in immediately and spoke with XXXX in customer service for almost an hour. I explained what had happened and he said that should never have happened and apologized profusely. He then said they would need to pull my credit report and reapply for a new card. I told him that I did not want my credit to be pulled as I have an XXXX credit score and did not want to get it tarnished because a Citi agent made a fraudulent cancellation of my card without authorization.
XXXX again apologized and said he would refer it to the Office of the President. I heard back from XXXX XXXX from the office of the president a short while ago and he said he would look into it. He initially stated that because I stated I was considering terminating my account and then got off the phone that they had the right to cancel my card. I told him that that is not true, that I never gave authorization and also relayed that I had recently cancelled my XXXX XXXX with Citi and had to go through a multi step verification process to cancel. He said they dont need to verify via this identification process and that the agent has the right to terminate my card based on my saying I was thinking about cancelling and terminating the call ( even though I said I didnt want to cancel it before I terminated the call ). I told XXXX this was not correct and that I would be filing a complaint with the CFPB. He then stated he was going to review the tape. He disappeared for a couple minutes and returned to the phone to which he said the tape was lost or was not recorded, but not to worry because I no longer needed to contact the CFPB because he was investigating. I replied that I would be filing a report for just this reason, Citi are acting in a dishonest manner and need a real investigation.
I am writing in hopes of getting my card reinstated. I have another complaint with the CFPB that I filed yesterday in regards to their Dispute Resolution process. I believe that because of my initial complaint to Citi on Saturday night that led to them spitefully cancelling my card. This sort of retaliatory business practice should not be tolerated.
|
| 08/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Citibank failed to post a check that they admitted arrived at their bank on Thursday XXXX until the time and date of XXXX XXXX XXXX. Since the check had not shown in the system, I called in on the XXXX and asked if they had any record of my mailed payment. I was told no and so I was forced to make an additional payment via ACH so as not in incur any finance charges or late fees.
When the payment and the check both posted on the night of XX/XX/XXXX, my account was left with a negative balance of {$8300.00} ( negative as in they owe me {$8300.00} due to a double payment ) I called in to the bank on XX/XX/XXXX and requested the ACH payment be reversed back to the originating bank. The customer service representative confirmed that it was being processed and it would be handled within 24-48 hours.
Tuesday the XXXX, nothing had happened. The account was still showing a negative balance and no reversal had been promised. I started a chat and the chat operator was unable to understand why the payment hadn't been reversed as promised within the time frame so I asked for a supervisor. I was told they don't have the ability to transfer in chat I called in on the phone again. This time I was promised it would be reversed within a new time frame of 3-5 business days.
I then pointed out that it was going back to the same place it originated from there should be no delay in reversing a payment. The operator said she would send a request to expedite the payment reversal. Apparently this was never done or they don't understand what " expedite '' means.
On Friday the XXXX I again called in after no progress had been made and nothing had been done.
I spoke with a lady named XXXX in South Dakota. She promised she would personally contact the department that handles payment reversals and get this pushed through. She would then follow up with me on Saturday regardless of the outcome to apprise me of the status of the reversal. she also claimed she would do a second follow up call with me to give me the update regardless of what she learned. Of course I received no call.
I called in and asked to speak with her. She had mentioned that I can ask for her to be transferred. However when I called in to ask to speak with her I was told that they can't transfer to specific people. So either she lied about me being able to be transferred to her or the other operator lied about no being able to.
I asked for an update on the status of the reversal and was now told it will be 2 weeks. At this point I'm asking the CFPB to intervene as the bank is obviously either incompetent or outright just retaining funds they have no right to hold onto ( without interest of course ). Their stories keep changing and they are no one seems to understand their own policies.
I've never dealt with a bank that refused to 1 ) reverse an overpayment ( or at least mail out a refund check for a credit balance ) 2 ) continually lie about and change the timeframe as to which they would do so, 3 ) refuse to provide a reason as to why the funds are being held. Again all I am asking is that the funds be returned to the originating bank, nothing strange or unusual.
Further I asked the operator to show me in the legal terms and conditions for the account where they have the right to hold onto an overpayment and not return to the originating bank and they were unable to do so.
|
| 10/07/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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a creditor named citibank XXXX na citicards who obtaind citicorp credit services to collect delinquent accounts in XXXX and who made an agreement to accept less than owed has suddenly decided to retain an attorny named XXXX XXXX XXXX chartered who file a writ of garnishment for an amount unknown to me ... citi had agreed to reduce and accepted less as per attached ... then they stated XXXX due as they also agreed..they reflected this on my credit reports yet this company named XXXX XXXX XXXX XXXX a debt collector is suing me for an amount XXXX plus legal fees this is unjust not warranted as the credit card company noted XXXX due when they accepted less than owed ... now this atty is looking to take money from me for their legal fees and god knows what ... exorbitant interest and legal fees ... i had requested they validate the debt ... they never did ... they obtained a judgment without proper service and provided a affidavit indicating that a XXXX who noted they were not me said to leave at door ... i was n't here at the time ... and i do n't have a garden ... i do n't know any XXXX year old that is XXXX and XXXX and i was not made aware of a summons or complaint as the credit card company had already agreed and accepted less than owed ... then this other atty obtained a writ of garnishment 5 years later after it was settled ... and sent out a letter to generic employers with my social security number on it ... stating that they received a judgment yet i was n't properly served as i am not XXXX do n't have a garden and am not XXXX or XXXX ... i was not in town at this time either ... then they got a judgment it looks like 9 months later and i was n't even aware there was a hearing ... .in XXXX of XXXX i sent them the notice it was settled and asked them to validate the debt ... they never did and said i do n't need to answer as they will take care of it ... i notified the court house as well and asked them to vacate the judgment in XX/XX/XXXX ... they also noted paid ... now this atty is harrassing me ... i filed a motion to set aside and they said since i filed it practically 5 yearss later it is too late ... well i was never served to appear and i could n't even defend myself ... and citi already accepted less ... i noticed they went to credit reporting company eperian and pull info,,, including my social seuirty number and then addressed letters it looks like generically to emloyers & gt ;???? I do n't have any employers and then i get weird mail for solicitations for lines of credit for towing companies that have bad reputations and seize cars that aren ; t me yet they 're using my address and property for what i do n't know ... it sounds evil ... .please assistthe credit reporting companies is noting XXXX due just as the citibank people said they would state ... the atty is looking to garnish monies i canafford to give up ... as my earnings are less than XXXX per week not including my expenses ... i filed an objection to claim of expemption ... i filed a motion to set aside ... the atty is stating that since i am now filing this 4 and 1/2 years later they have the right to collect XXXX plus XXXX in legal fees yet the credit card company citicorp credit services in XXXX agreed to accept less than owed ... .is this legal??? can you please assist and ask the XXXX XXXX and XXXX XXXX a XXXX to cease and desist in their actions
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| 05/26/2023 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I received emails and physical mails regarding promotion for opening an accelerated savings account. Terms for the promotion will be listed at the bottom of my complaints.
I opened the account In mid XXXX through the link sent to my email. I also called right after I opened the account to ensure I am enrolled and qualified for the promotion. I have kept my balances in the account for over XXXX $ USD to meet the qualifying deposit. When I didn't receive the bonus in XXXX, I called Citibank. The customer service ensured me that I've met all the requirement and I should receive the bonus by XX/XX/XXXX. However, when I called again in XXXX, they told me they couldn't find a promotion attached to my account, and refused to honor the promotion. I've done all the right thing to make sure I am enrolled in the promotion by applying through the link sent to my email and called in to be asked for enrolling in the promotion. I've tried to dispute it with Citibank, but no one can give me a specific reason except they couldn't find the promotion attached to my account, and that my account is a basic package that did not qualify for it. I can not talk directly with the " backend '' people who made the decision for the dispute and so far no one can tell me why I was not enrolled for the promotion.
Terms for the promotion are listed below. In order to enroll, one can either apply through the link provided or call the representative to ask to be enrolled. I did both to double secure my eligibility, and it was clearly some mistake on the backend of Citibank that led to me being not qualified for the promotion. I am sure all the phone calls are recorded and I request Citibank to do their investigation and honor their promotion, or it would be a clear fraud/deception.
*Important Terms and Conditions : Your Citi Accelerate Savings account will be opened in the Access Account Package. To waive the {$4.00} monthly service fee for a Citi Accelerate Savings account in the Access Account Package not linked to a checkless Checking Account, maintain an average monthly balance of {$500.00} or more.
Citi Accelerate Savings Leveled Bonus Offer Qualify So long as you are at least XXXX XXXX XXXX, are a primary Citi credit cardmember, and have received a communication from Citibank inviting you to participate, you can apply to participate in the Citi Accelerate Savings Leveled Bonus Offer.
Here are the required activities to qualify : First : Open a Savings Account.
Open a new Citi Accelerate Savings Account as an owner in the Access Account Package between XX/XX/XXXX and XX/XX/XXXX ( Offer Period ).
Certain Savings Accounts are eligible for the Citi Accelerate Savings Leveled Bonus Offer. Any Citi Accelerate Savings Account opened during the Offer Period that you continue to own until the end of the Maintenance Period in the Access Account Package can qualify for the Citi Accelerate Savings Leveled Bonus Offer.
The Citi Savings Account product does not qualify for this offer.
Second : Enroll.
On or before XX/XX/XXXX, enroll in the Citi Accelerate Savings Leveled Bonus Offer. You can enroll online by clicking apply now on the link provided and following the instructions for online account opening or by contacting a Citibank representative by phone and asking the representative to enroll you in the Citi Accelerate Savings Leveled Bonus Offer.
|
| 03/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
On XX/XX/2023, I logged in to my CITI account to make a payment on my Costco CITI Visa card. My billing statement cut on XX/XX/2023, had a statement balance of {$200.00} and a minimum payment of {$41.00} with a due date of XX/XX/2023 ( Attachment XXXX ).
When I went to the payment page ( Attachment XXXX ), it gave me four options : XXXX. To make the minimum payment of {$41.00} ( calculated based on the original statement ), XXXX. To pay the remaining statement balance of {$1.00}, XXXX. To pay the current outstanding balance on the card of {$1700.00}, or XXXX. To pay a custom amount.
I selected the second option, to pay the remaining statement balance, as I always do, to zero out the current billing statement. When I selected option two, I received an error message, indicating that I still owed {$39.00} to satisfy the minimum payment to avoid going late ( Attachment XXXX ). In other words, I was put in a position where I was forced to OVERPAY my remaining statement balance or be penalized with late payment fees. Thats absurd.
Obviously, CITI knew I only had {$1.00} remaining on my billing statement and gave me the option to pay that amount. However, when I attempted to pay it, their system wouldnt allow it. How is it legal to force an overpayment to meet a minimum that has not been adjusted to match the amount actually due? This could easily be remedied by adjusting the backend of the program to recognize when the remaining statement balance is LESS THAN the minimum payment due and having the minimum payment due automatically adjust to match the remaining last statement balance. Its not rocket science. Instead, CITI is essentially extorting an overpayment under the pain of late fee penalties. Even though the excess payment is credited to the account, I should not be FORCED to pay more than my statement balance. The late fee listed in CITIs fee schedule is up to {$41.00} '' ( Attachment XXXX ) Im basically paying the equivalent of a late fee by simply trying to pay off my current billing statement balance. Thats insane.
In short, if an option is given to pay the remaining statement balance, and that balance is less than the remaining statement balance, you should have the right to pay the remaining statement balance to, in effect, zero out that billing statement.
I am not sure what would happen if, after the end of my last billing cycle, I had made no other charges and my outstanding balance was XXXX. I suspect I would have been able to pay the {$1.00} since you wouldnt be able to submit a payment that exceeds the outstanding balance. Im not sure why this is different, because, for billing purposes, we are talking about a single billing cycle, not about the outstanding balance remaining on the account. And certainly, a customer should never be charged a late fee for paying off the remaining statement balance. Im in essence being penalized for being a responsible customer. I pay off my balance, in full, every month, so this really irks me. For people who are cash-strapped, this potentially presents a much more serious issue.
I did reach out to CITI about the issue and the representative admitted it was odd, but it was how the system was. I did pay the minimum that exceeded my remaining statement balance because I had no other option. It is my hope that you will investigate this practice and bring it to a swift end.
|
| 05/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
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RE : Citibank AAdvantage Platinum Select Card Acct # XXXX XXXX XXXX XXXX Dear CFPB : As detailed below, Citibank/Citicards ( hereinafter Citibank ) charged an erroneous {$95.00} fee on a closed account. I have called the Citibank call center over six times to try to resolve this issue. I also sent a letter to Citibank on XX/XX/XXXX. That letter is attached hereto as Exhibit 1.
There is no factual or contract dispute -- each time I called, one or more Citibank representatives agreed that the charge was an error and promised to correct the account. Nonetheless, Citibank continues to send me bills for the erroneous fee plus penalties and interest.
As of today XXXX XX/XX/XXXX ), the erroneous balance on the account is {$120.00}. I would like Citibank to : ( 1 ) correct their records to show that the account balance is {$0.00}, ( 2 ) send me written confirmation of such correction, and ( 3 ) represent and warrant to me that the account was always paid in a timely manner ( which is, in fact, the case ) and that no negative information has been or will be reported to any credit reporting agency.
The following is an outline of the relevant facts.
XX/XX/XXXX Annual fee of {$95.00} was charged on the account.
XX/XX/XXXX I called the Citibank call center to close the account. I was told that the annual fee will be credited and that I should pay {$120.00} to reduce the amount owed to {$0.00}.
XX/XX/XXXX Payment of {$120.00} was posted. The balance remaining on the account was {$95.00} ( the annual fee ), which was confirmed by the XX/XX/XXXX statement received shortly thereafter. That statement is attached hereto as Exhibit 2.
On or about XX/XX/XXXX I spoke to XXXX in the Citibank call center. She told me that the full {$95.00} would be credited to me by XX/XX/XXXX and I should not make a payment.
XX/XX/XXXX I spoke to XXXX XXXX in the Citibank call center. I was told the full erroneous balance on the XX/XX/XXXX statement ( {$120.00} the erroneous annual fee plus interest/penalties ) would be credited no later than XX/XX/XXXX.
XX/XX/XXXX I spoke to both XXXX XXXX and XXXX XXXX in the Citibank call center. I was told the full balance ( now {$150.00} ) would be credited within 3-5 business days.
XX/XX/XXXX I spoke to XXXX and XXXX XXXX in the Citibank call center. I was told the full balance ( somehow now {$95.00} ) would be credited within 2-3 days. XXXX stated that he was doing the adjustment right now.
XX/XX/XXXX Citibanks automated system shows a balance of {$95.00} on the account.
XX/XX/XXXX I sent a letter ( Exhibit 1 ) detailing this issue to Citibank. I have not yet received a response.
On or about XX/XX/XXXX I received the XX/XX/XXXX statement showing a {$120.00} balance ( the erroneous annual fee plus interest/penalties ) on the account. The XX/XX/XXXX statement is attached hereto as Exhibit 3.
XX/XX/XXXX Citibanks automated system shows a {$120.00} balance on the account.
By my estimation, I have spent substantially over three ( 3 ) hours on the phone with the Citibank call center and sent them a detailed letter regarding this issue.
There has never been a dispute that the balance on the account should be {$0.00}. Citibank has repeatedly agreed that they have made an error and has repeatedly promised to fix the error. Nonetheless, they continue to send me bills and show a balance on the account.
|
| 04/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
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Web |
|
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My father died in XX/XX/XXXX. Left me his only son all his belongings, he was also single.
My mother, his ex wife since XX/XX/XXXX, and he remained friends and she stayed with him in his house his last XXXX years of his life to help care for him. My mother, unknown to me at the time, was presenting herself to al of my father 's creditors as his " wife ''. My father right before his death made it clear to me he was not agreeable to being presented to anyone as husband and wife regarding my mother for any reason.
Upon the time of my father 's death me and my family were living in a leased home. My mother qualified and received my fathers social security since they had been married XXXX years ( XXXX ). She stayed in the house and made the payment until I and my family were able to complete our lease on our home and move into my father 's home, as he and we wanted. I completed a probate since my father had no will and was single.
My mother moved out of the home and I started taking over the payments. Then I was laid off work. When I initally contacted the mortgage company they informed me they were unable to speak to me because in their records they had that XXXX XXXX ( my mother ) was the righful owner of the house since my father passed. I had to explain she was not his wife. I sent them all the correlative documents. I asked for a deferrment of a payment, they said no because i was not the mortgage holder. Next they started transferring my account to different locations of their " servicing centers '' and each time I would go through the whole explanation of who I was and have to send the documentation again. All the while sending the documentation to their corporate office and speaking with them. At XXXX point I set up auto withdrawal, they would do that. The XXXX XXXX did n't go through my account because their system wanted to withdraw at XXXX and my salary did n't deposit into my account until XXXX XXXX. At this point they would n't take a check from me. All the while I am requesting a modification of the loan. Each time my account was transferred to a new " servicing center '' their employee would tell me to send a voided check and signature to authorize automatic withdrawal and I did each time. They never set it up. So in fear of the automatica withdraw suddently going into effect I refused to send more payments until someone would agree to something. They never would.
I just want to keep the house. Now that I have found the 12 CFR Part 1026 RIN 3170-ZA00 Application of REgulation Z 's Ability to Repay Rule to Certain Situations involving Successors in Interest, I believe the mortgage company violated this rule. I made it clear to the mortgage company I had every intention of keeping the home and paying the mortgage. Now they have filed foreclosure. This rule really hit home with me when I read it, because talking to several different people with Citifiancial I had some ask me why I did n't ask for a modification and then others tell me that a modification was n't possible! It appears it was all along.
Lastly, my wife ( XXXX XXXX ) and I have Power of Attorneys on each other and she has permission to speak to anyone regarding anything pertaining to these matters.
I am attaching the foreclosure petition and our answer, death cert, probate, power of attorneys and correspondence i have had with the mortgage company.
|
| 03/03/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
Older American |
|
XXXX XXXX I saw that 30 DAILY fraudulent withdrawals from ATM in XXXX occurred, beginning XXXX XXXX from my savings account, totaling {$15000.00}.
Although I have a wonderful history with Citibank on XXXX XXXX spanning 4 decades, accounts, mortgages etc. they have dropped the ball and have thrice declined my request to be reimbursed for this fraudulent mess. They have unbelievably stated to me - Based on investigation. ( they have done none ) this atm card belonged to me and MY pin number was used- further, it seems to be my usual banking activity. '' None of that is valid.In fact, They never contacted me when suddenly {$500.00} is taken multiple times a day from a machine across the world.
This statement from them is ALL INSANE.
It was NOT my card, citibank sent it to XXXX, The card was in XXXX 's name- also, I do NOT use my Atm Card to get cash..
I was in America, and my personal card in my possession, and they can see this if they actually look at my banking history.. There is no manager or case worker handling this, each time I call, I get transferred 5 times, and the last call was 90 minutes with ZERO results.
History : My previous dear friend/partner. XXXX had returned to XXXX and later became ill and died XX/XX/XXXX. After that time, I contacted citibank to see if any of our accounts were linked, they could find NONE. They told me without a death certificate they could not close her check account..
( social security checks were being deposited. ) .I gave up, there wasnt anything I could do.
I did NOT realize that she was a co signer on my savings account, it had been inactive for years. Her son and wife ( elder abusers ) and sister had access to her citicard and pin number. I know that Citibank knew her address in XXXX as she had gotten a card sent there in the past. It is entirely possible they even sent a new card with family impersonating her to order the card.. Clearly they did not want the social security money to stop which, to my knowledge is still being deposited into her account and accessed by surviving son. I had no way to reach this family and they do not speak english.
During this crazy daily withdrawal of $ XXXX {$1000.00} a day, Citibank never tried to alert me or question this UNUSUAL activity. I have, in the past, been questioned on charges as small as {$30.00} when it seemed unusual activity-To first show that She died, I have sent them numerous references to social media in America AND XXXX showing that XXXX passed. Police wont do anything because it is out of their jurisdiction I am sure XXXX police dont care, and this crime is being ignored.
If anyone cared, the person who did these withdrawals is on camera at the same atm in XXXX over and over day after day, But no one cares to do that. They just want ME to suffer this {$15000.00} loss and I am XXXX years old and my only income is a small social security check. Please I need your help to push on Citibank to do the right thing.
This {$15000.00} was not even mine, but belongs to a sick sister who needs it to pay her taxes. How will I give it to her? I lost my income for the entire year of XXXX and have no idea about future. I have contacted XXXX XXXX XXXX, the Police in Florida, The NYS dept of Financial Services, and the Office of the Comptroller of the Currency and they ALL tell me this is out of their jurisdiction. I need help ...
|
| 07/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
I received an " Exclusive Offer For Citi Cardmembers ''. Per the terms of the offer, if I opened a Citibank Account Package and maintained a combined {$15000.00} minimum balance for 60 days, Citibank would deposit {$500.00} into my checking account. I had to apply by XX/XX/2020.
On XX/XX/2020, I met with XXXX XXXX, personal banker at Citibank 's XXXX XXXX, IL office.
I provided him with a copy of the offer and opened a Citibank Account Package, consisting of a {$1000.00} deposit into an Eligible Checking Account an a {$15000.00} deposit into an Eligible Savings Account. Both payments were made via XXXX XXXX personal checks and cleared that same day. I was given a temporary debit card.
The documents that Mr. XXXX provided did not contain any information regarding the offer terms. I asked for written confirmation of the terms and that the accounts I opened were eligible. Mr. XXXX and his manager, XXXX XXXX told me they could not provide any written confirmation.
I called the Citibank customer service department several times to confirm the terms of the accounts. I provided all of the security information that they requested, but was told that my accounts were under investigation and that they couldn't give me any information. I have ID alert, so I know Citibank made a financial inquiry & that there were no issues.
On XX/XX/2020, I met with XXXX XXXX at the Citibank branch located at XXXX XXXX XXXX in XXXX, IL. She did provide me with a copy of Citibank 's Terms & Conditions regarding " Cash Tiered Bonus '', ( Targeted Only ). She told me that she had e-mailed XXXX XXXX, another XXXX XXXX manager. It was my understanding that XXXX XXXX would provide written documentation that my accounts qualified for the offer. Ms. XXXX would not provide me with a copy of the e-mail. For security reasons, I had Ms. XXXX unlink my savings account from my debit card.
I received a Citibank Alert advising me that my permanent debit card had shipped on XX/XX/2020.
On XX/XX/2020, I received a Citibank Alert that the debit card had been activated. I had not received it and immediately called XXXX. I explained that I had not received the card & needed it cancelled immediately. Customer service advised me that they couldn't do anything since my accounts were under investigation. I ultimately was able to report the card as lost/stolen online.
On XX/XX/2020, due to security concerns and the fact that Citibank still had not confirmed that the accounts I opened were eligible for the offer, I closed both accounts. I never received a response from XXXX XXXX.
All three Citibank representatives, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX stated that the offer was generated by Citibank 's Credit Card Division and that if I didn't receive the bonus after the required wait time, I would have to take it up with the Credit Department . This makes absolutely no sense to me. They are all part of the same company. I'm required to open Citibank checking/savings accounts totaling {$15000.00} in order to get a {$500.00} bonus which will subsequently be deposited into the checking account. There has to be some kind of designation on the accounts for this to occur.
Also, on XX/XX/2020, I received the debit card that had been activated on XX/XX/2020. The envelope was stained and had been opened. Clearly, someone other than me had access to this card.
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| 07/09/2015 |
Yes |
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- Credit card protection / Debt protection
|
|
Web |
|
|
Best Buy_ Citi Bank XXXX " Debt Protection Scam ''.
In XX/XX/XXXX I opened a Best Buy account.
In XX/XX/XXXX and XX/XX/XXXX I was and still am in financial peril and need some relief on this account.
Prior to XX/XX/XXXX I had paid off a computer and have since with assistance of family member paid all of the account promotional balances.
In XXXX XXXX a Best Buy customer service representative, located in the United States ( not XXXX ) informed me for the first time that since XX/XX/XXXX I had been paying " {$35.00} '' per month for Debt Protection and that money I was paying was not going towards the principal amount. The account just continued to grow over the XXXX limit with nearly nothing being applied to the principal. I learned that I had paid {$830.00} in alleged " Debt Protection. '' Best Buy and its agents fraudulently concealed the Debt Protection charge of {$35.00} as a " FEE '' in their monthly Statements. I never received, to my knowledge, any statement reflecting Debt Protection as a line item charge on any Best Buy monthly statement. Plus, Best Buy, XXXX XXXX, CA knew I was self employed. The XXXX point font fine print on the card they have presented to me which purports to be the Debt Protection agreement program was " not intended for self employed individuals '' and that I was not eligible for the program. I never would have agreed to pay {$35.00} per month to Debt Protection. I believed I was paying principal and interest the whole time.
In XXXX of XXXX, at the suggestion of Best Buy, I called the prior card servicer and in a telephone conversation it was agreed I would be refunded the {$830.00}. Best Buy also had told me they were refunding those amounts but you had to call Best Buy has written records of this agreement. I had agreed to allow Best Buy to apply {$500.00} towards the balance and asked that they send me a check for the remaining {$330.00} There was no consideration backing the " : Debt Protection ''. I have sent a written demand to take them to small claims court but am separately complaining for fraud in the inducement. They showed {$35.00} per month as a " fee '' on the statements to conceal they were collecting debt. Now the balance with late fees and interest is back to almost the entire " Debt Protection '' amount of {$830.00}. Best Buy was also acquired by Citi Bank at about the same time this occurred in XXXX XXXX. I have written letters and received responses from XXXX XXXX refusing to return the money Best Buy took out of my pocket. XXXX XXXX advises that Best Buy, as a " customer accommodation '' refunded me {$93.00} of the {$830.00} they owed me. That is an admission that I was entitled to and promised a refund. XXXX and CITI bank interfered with the agreement to reconcile this account.
There was also difficulty having the monthly charges removed because you had to call another bank.
Best Buy never provided the Debt Protection on my account. Just the opposite is true.
I have sent written demands for return of my money and would accept credit towards the account to pay it off with any amounts due to me to be sent to my address by check. ( See Attached. Demand Letter ) I want and am entitled as consumer the relief from these credit card predators that President Obama said would be done when he had the big Press Conference in the White House with the Credit Card Lenders.
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| 02/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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First of all, i am a young hardworking man who deserves my fair share of consumer rights laid out for us all to see and abide by. I should not be held responsible for things i am not liable for. Big businesses everyday get away with unfair business practices in order to save themselves a extra buck or gain extra bucks, but I am not one to let it happen to me!
I am currently going through a identity theft recovery and i have had a couple credit accounts opened in my name and also fraud charges against my actual accounts from an incident in early XXXX! A guy ran up on me in XXXX of XXXX, outside of XXXX XXXX and pretty much beat me up and took my wallet which held my ID, SOCIAL CARDS, INSURANCE CARDS AND DEBIT/CREDIT CARDS. I was contacting my banks and such, giving them a heads up on what happened. Long and behold, there were multiple fraud charges on some of my credit cards that were compromised, i was able to take care of the situation through my banks, mostly all of them did not hold me liable for any unauthorized charges EXCEPT for my XXXX XXXX XXXX credit card issued by DEPARTMENT STORES NATIONAL BANK. I personally called them in early XXXX about a {$5000.00} unauthorized charge made or posted on my account on XX/XX/XXXX ... They said they'd investigate the case and it can take up to XXXX. Meanwhile my account was still accessible to the crime thief as it was charged again and again, {$2500.00} on XX/XX/XXXX and another {$2500.00} on XX/XX/XXXX. I contacted them again in XXXX about it all, and was told not to worry, my account had been adjusted with the proper amount of credit so i moved along and assumed all was taken care of until around early XXXX i come back to view my account online and see that they had reversed all of the disputed fraud charges on my account. I also got an alert from the credit bureaus that this card account was maxed out, staining my credibility. I also got a letter in the mail dated XX/XX/XXXX, XXXX see letter in attachments XXXX stating after review of the investigation, they decided to permanently reverse the credits from my account because they said the charges were made using my previous cards " protected '' embedded chip?? Like that meant anything in my case. There are no card codes to process a charge on my credit card with them, hence, anyone can literally use my card with no problem, as they did! They claimed on the letter that the card was in my possession so the transactions in questioned arent considered fraudulent activity ... XXXX what!? I LITERALLY TOLD XXXX, MY WALLET AND CARDS WERE STOLEN! WHAT KIND OF MADE UP STORY YALL GOT IN XXXX SYSTEM THAT HAD ME IN THE PRESENCE OF MY CARDS BEING FRAUDULENTLY USED. What the XXXX. I was beat up and robbed! I FILED A FTC XXXX XXXX POLICE REPORT and sent it to the credit bureaus for the accounts opened in my name and fraud charges from the incident. The thief used my cards, NOT ME. I AM NOT RESPONSIBLE AND I SHOULD NOT BE LIABLE for XXXX worth of purchases, they need to GIVE ME BACK THE FULL XXXX CREDIT ONTO MY ACCOUNT FOR USE or CREDIT THE ACCOUNT AND CLOSE IT OUT. Either way, will make it right. You can't force liability on me, this is unacceptable, making up 'card in my possession ' stories in XXXX back offices that was NOT claimed by me in any claim initiated and XXXX KNOW IT. Total unfair business practices and I wont stand for this.
|
| 07/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I received an email response from Citi for this compliant. However the information is incorrect and they did not complete their part as stated. On XX/XX/2020 I sent an email to Citi 's Billing dispute department. That email ( attached ) contained ALL the documents needed to complete the dispute. The Citi representative that I spoke to also told me there was nothing else that I needed to send because I had provided them with all the documents initially. I have also attached the response to Citi bank from XXXX which did not say that they ( XXXX ) declined to refund the money. The response asked for Citi to confirm that I was still continuing my dispute and to provide the documentation that I had provided to Citi Bank. It appears that Citi has not sent anything back to XXXX for them to continue with their investigation. I am not understanding how I could have provided the documents and now I am being told that it was not provided on time ( XX/XX/2020 ) and that now I need to go back to XXXX who is still waiting on Citi to respond to them. This is CRAZY. Now I am being told again by both companies to go back to the other for resolution. Why am I being placed back in the middle of this all over again. I just want my money back ... All {$750.00} of it. I did not get the service of the villa, why am I being held responsible for it.
Previous Complaint : On XX/XX/XXXX I made a payment for a XXXX in XXXX. The payment was made through XXXX using my Citi Bank card in the Amount of {$750.00}. My trip was for XX/XX/2020. Due to Covid-19 my trip was cancelled. I communicated with the company that I rented the XXXX from and they were well aware of the cancellation before the 30 day cancellation window and agreed to refund my payment. On XX/XX/XXXX the company attempted to refund my money through XXXX. On XX/XX/XXXX I got a notification that the refund did not go through. I reached out to my Credit card company Citi Bank and let them know what happened and provided all the documentation showing the payment and attempted refund ect ... They issued a temporary credit and waited for XXXX to respond. XXXX responded to them with the transaction information and they took the credit back from me. I called and asked what was going on the rep told me not to worry because I would get my money back because I clearly did not get the service I paid for. I told her I had sent all my documents in. She told me I was supposed to return a letter signed and they would continue with my dispute. I later received a letter from Citi saying that my needed to reach out to XXXX because there is nothing they can do. I have since reached out to paypal who has sent be back to Citi to have them handle the claim and reach back out to them. I contacted Citi told them XXXX told me to come back to them. I asked them to reopen my claim and I resent all the documents that I had initially submitted back in XXXX. They then sent me a letter saying that the timeframe has lapsed an I need to contact XXXX. I have since reached out to XXXX who has now sent me back to Citi to have them help me because they are waiting on Citi to contact them with their decision that they XXXX will honor. I am tired of going back and forth with these two companies. I need my {$750.00} back. I have done everything I was supposed to do and I am still being passed back and forth. Please help!!
|
| 05/02/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am posting this complaint to alert CitiMortgage to the fact that, although CitiMortgage has not met my requests for certain disclosures related to an alleged " loan '' and, since my first complaint in XXXX, XXXX, has not addressed a violation of federal statutes cited in a forensic audit, yet I am open to proposing an offer for the sake of a quick resolution.
From my rough calculations I have made payments of over {$3000.00} to " Settlement Charges '' and over {$88000.00} to CitiMortgage. Plus I 've noticed discrepancies in the insurance payments and the overall Payment History records, which means there may be additional payments not included in the rough calculations. And so in keeping with the Fair Market Value of my property, I may owe approximately {$3000.00} after a TILA rescission, which is deemed necessary due to the lack of mandatory disclosures and federal violation.
I would really like to know where this money went, so that I can negotiate a settlement under the law. I have tried to reach XXXX XXXX , XXXX ( the so-called lender ), only to discover that the company is now defunct. A XXXX search on XXXX XXXX, XXXX turned up several sites for XXXX XXXX , XXXX, with several different addresses and telephone numbers. I called XXXX numbers and each number returned the following message : " We 're sorry, you have reached a number that has been disconnected or is no longer in service '' I also found the following report posted XXXX XXXX, XXXX on the web site : XXXX " AG charges XXXX business owners with mortgage fraud '' " XXXX XXXX XXXX -- The XXXX Attorney General 's Office says a XXXX company was running a lucrative mortgage fraud scheme.
" Police raided Utah XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX and his wife, XXXX, now face XXXX counts of communications fraud, XXXX count of racketeering and XXXX counts of money laundering.
" The XXXX are accused of preparing their own highly-inflated appraisals of properties using the name of a licensed appraiser.
" The attorney general 's office claims the XXXX used straw buyers to obtain loans at the inflated values and skimmed XXXX dollars in equity from the properties. '' To quote from another site : http : XXXX, " XXXX has determined that this company is defunct. '' A search on the XXXX Secretary of State site produced the following listing for XXXX XXXX , XXXX.
Business Name : XXXX XXXX, XXXX Control Number : XXXX Business Type : Foreign Profit Corporation Principal Office Address XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX Registered Agent Name : NONE Status : Revoked Citimortgage has not disclosed the actual entity that funded the alleged transaction, except that XXXX XXXX , XXXX XXXX listed as " Lender '' on the Note. But if XXXX XXXX , XXXX was charged with '' running a lucrative mortgage fraud scheme '' according to the XXXX Attorney General 's office, and the corporation had its status revoked by the XXXX Secretary of State, then in which Trust are my payments being deposited?
CitiMortgage has neither provided disclosure nor shown its connection to the note or the security deed. However, I am willing to tender the amount of {$3000.00} in return for a guaranteed free and clear title. This offer is made to CitiMortgage in order to conclude this matter so I can proceed with my estate planning, as I am now XXXX years old. I patiently await a response.
|
| 08/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
This letter is in regards to filing disputes against Citibank, for false claims of delinquent payments. In XX/XX/2022, the first report to credit bureaus was submitted by Citibank maliciously, and unlawfully. this company has no legal right to file delinquency when my account is closed and they refuse to communicate. This bank has failed to provide statements, and explanation of fees, provide payment options, nor will they allow me access to any portion of this account. I spoke with a representative from Citibank in XX/XX/2022 when I lost over 100 points from my credit score due to these malicious and false claims by Citibank. The representative informed me that no additional collection calls would be made, all action would stop on this account. I also informed the representative via telephone and during the same conversation that I would be pursuing Citibank and civil litigation for slander, fraud, and deceptive sales practices.
On XX/XX/2022, I received an additional notice from XXXX that another delinquency notice was sent to the credit bureaus by Citibank. Again, maliciously and falsely accusing me of delinquent payments on accounts that is closed, where they refuse to communicate, where they have locked me out of all access to this account. I have attempted to speak with representatives, these phone calls were recorded. On the record phone calls, representatives have refused to speak to me about this account. I can not access this account to even obtain the account number, payment options, or to determine if the fees that they are trying to collect are accurate and true. this account was closed and to my knowledge with a XXXX balance. Citibank maliciously closed this account after I filed complaints of discrimination, fraud, slander and deceptive sales practices. Complaints have been filed with XXXX, consumer federal protection bureau, the attorney Generals office, XXXX XXXX XXXX, and city banks ethics department. I have also retained a civil attorney who will be pursuing this company for their unlawful acts in civil litigation. I do not owe this company any funds and their pursuit is absolutely malicious and false.
They are not following legal guidelines as it pertains to collections. I have been repeatedly abuse, threatened and harassed. This company has knowingly and intentionally discriminated against me, Misgendering me multiple times after being corrected. This company is unlawfully reporting false claims of delinquent payments to credit bureaus. This company is destroying my good name, my credit, and my life. If you go back to payment history on this account, I was never late on a single payment. Each and every single month, those bills were paid and on time. Never once have I been late on a payment. This company is committing fraud and Maliciously attacking its own customers who expose the corruption, misconduct, and the fraud that they commit against customers. You can see in the attachments that this account is closed. I have absolutely no access to it. And once again, Citibank employees, representatives refuse to communicate with me. I have recordings and recorded phone calls of their customer service representatives refusing service, refusing communication, and maliciously pursuing me, discriminating, and recorded committing criminal acts against me.
These people are lairs, frauds and criminals
|
| 12/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
In response to a bonus offer of {$400.00} for opening a new checking account and funding with {$15000.00} and opening a savings account within 30 days of opening the account and then maintaining the balances for 60 days, within 90 days of these terms being met, the deposit of {$400.00} was to be released to the checking account. FYI, my husband opened an account at the same time as me and had the exact same problem. He ultimately was able to get them to review the account AFTER 12 phone calls and numerous threats of filing legal action against Citibank, and they finally released the bonus.
I opened my account with Citibank on XX/XX/2018 and funded my Citibank checking account on XX/XX/2018 with {$15000.00}. I also funded my Citibank savings account with {$100.00} on the same day. These funds are still there and have been there untouched since XX/XX/XXXX.
I contacted Citibank 7 times by telephone regarding this matter. Most of the times I did not record a customer service agent name because they claimed my account had met the terms and the bonus was being processed and would be released within a few days. By XX/XX/2018 I was fed up with their lies and asked for a supervisor. I spoke with XXXX on XX/XX/XXXX. He apologized many times telling me that I had indeed met the terms of the offer and he didn't know why it was taking so long. He put me on hold for a long time while he said he was talking with the bonus department. When he returned to the call he said they told him it was being processed and the problem was they were overloaded with bonus accounts and it was taking longer than expected. He said to give them 5 business days and it should be in the account.
I was out of the country for most of XXXX and when I returned, still no bonus or communications from this terrible deceitful organization. I called yet again for the 7th time on XX/XX/XXXX. Immediately upon the customer service agent answering I demanded to speak to a manager. I was transferred to XXXX. I went through the issue again with all details. XXXX looks at the account and tells me all the agents before me told me the wrong information. He now said that I needed to meet the requirements within 30 days of opening the account - which I did. He then said I needed to maintain the balances for 60 days - which I did. He then said Citibank has the option to wait the full 90 days after that before they had to pay the bonus, but usually pay it sooner - apparently not in my case. He now told me that the bonus was due, according to his " math '', on XX/XX/18. After that he said they were definitely out of terms. I was absolutely fed up and demanded to open a case dispute. He refused. He said, sorry but since Citibank is not out terms yet, I can't open a dispute.
So I waited until XX/XX/XXXX - no bonus. It is now XX/XX/XXXX - no bonus.
I can not continue to waste my valuable time trying to get this awful company to live up to their published offer. As I said, it took my husband 12 phone calls and the threat of getting an attorney to get them to complete the transaction. I am not interested in speaking with them again, banking with them, or quite frankly ever seeing the name Citibank ever again either. I want my bonus as I met the contractual requirements of their published offer and then I will be immediately closing my account and NEVER bank with them again.
|
| 12/06/2015 |
Yes |
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Web |
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I been paying my Macy 's Star Rewards card on time every month for years. I would submit a payment weeks before the due date. My Minimum monthly payment was {$5.00} a month on a {$100.00} dollar credit limit since XXXX. Recently beginning in XXXX i received a notice saying i have a late payment with a pass due amount. My mind was puzzled so i called Macy 's credit card customer service and they said my monthly went up from {$5.00} to {$27.00} dollars a month. I explained to them that i did n't get any notice in the mail about the changes. They said they has a policy change so i asked what is the policy change and they put me on hold for a long time to get someone to answer that question. I got passed around to numerous representatives that could n't tell me the policy, was giving me different amounts on my bill. I was very frustrated! They even kept hanging up on me and being rude. Finally a nice and knowledgeable representative came on and helped me resolved this problem. The representative told me i was never late on payments also read the dates that i paid which was way on time before the due date. So she waived my pass due amount because i was never sent a notice on this policy change. I made a payment of my usual monthly but not the policy change monthly which was {$27.00} dollars due to not knowing. I was also upset at the previous phone representatives lack of knowledge, rudeness, and they blamed me for their mistakes. A phone rep told me " You made a payment on time but Macy 's applied it after the due date why is that? '' In my mind i was thinking, you should tell me it 's your mistake. Because of all those trouble i decided to close my account. So Macy 's closed my account and gave me a remaining balance of XXXX something dollars. A week later i received a letter from Macy 's dating XXXX XXXX, XXXX ( before my monthly due date XXXX XXXX, XXXX ) saying my account was closed and not to attempt to use my account and no further charges will be authorized. No statement was sent to me for my remainder balance. I called Macy 's credit on XXXX XXXX XXXX to find out i was charged a late fee for a pass due amount again. On top of that my account was n't closed. I called back the next day and they still demanded the late fee and balance amount. Also they were saying i did n't close my account. Later on after a long wait on the phone they admitted that last month they closed the account but they left it open. I asked why and got no answer from them. The phone rep just hanged up on me. How rude! So they said they was going to close it again but i still have to pay the late fee. The thing is i was never late and i care about my credit history and Macy 's is saying I 'm late. I have never had this problem with any credit card company just Macy 's, My account was supposed to be closed, they gave me the remaining amount over the phone then they went ahead and charge me a late fee for the month of XXXX and kept my account open. I feel Macy 's credit card should not give out not accurate info. to people, be a little more polite and caring, and stop trying to squeeze out some extra dollars from people. People want to keep a clean payment history and to put it was late when it was not, to me that is wrong. Macy 's should of closed my account and keep the remaining balance owed to them the same and not raising it with late fees.
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| 09/08/2015 |
Yes |
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- Closing/Cancelling account
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On or around XXXX, In a phone call with Citibank Dispute Dept, I believe I discovered that Citibank was engaged in fraud. I received a letter signed by a representative from that dept named " XXXX '' so I called the direct number listed. She said that she knew nothing XXXX : this dispute, namely because she stated that she does n't work with XXXX disputes, only XXXX XXXX my Citi credit card was a Thank You Preferred XXXX XXXX. I stated that her name was listed on nearly every letter I 've ever received from Citi to which she was surprised. I expressed my concern that Citi was sending me letters signed XXXX not w/ a physical signature ) with the closing " Sincerely, XXXX XXXX Service Specialist '' ) and suggested that she should look into it since it seemed from what she was saying that Citi was fraudulently using her name and misrepresenting her/Citi.
Back to my dispute, she said she would contact me in a day or XXXX with the info which she did not have b/c again, she stated that she did n't handle XXXX disputes.
Then just days later, without any notice or reason why, Citibank sent me a letter advising me that it closed this and another credit card with a XXXX balance which I 've had for years. I have EXCELLENT credit and payment history with Citi and have also banked w/ Citi for years. I had a couple of open credit card disputes which were near completion in my favor and one for {$2500.00} for which I had just requested info on XXXX, which I never received ( and which Citibank closed without providing me any information ). Citi cancelled my credit line availability for XXXX credit card accts but also cancelled nearly XXXX Thank You points which I had earned from my spending and paying my balance in full every month. That is the equal to about {$700.00} which was not easy to do but which I rightly earned. When I called Citi, every representative refused to tell me why. In fact, one supervisor said that she was not allowed to tell me why and that my only recourse, in this day of e-communication, was to WRITE A LETTER to a physical address at Citi.
I mailed a physical letter via USPS and asked why Citi closed my accounts without notice or explanation or justification, especially in light of my excellent credit and payment history on every credit card account I 've had including this one. I also asked for the reinstatement of my rightly earned XXXX Thank You points. Citi responded with a generic rubber-stamped letter that simply restated that Citi had the right to close any account for whatever reason -- or NO reason -- and did not owe me a reason or any notice. Furthermore, it refused to reinstate my XXXX Thank You points which I rightly earned because of my purchases and timely payments for the past few years.
In addition, Citi has denied my rights to dispute credit card charges, refused to comply w/ my requests to provide info on a {$2500.00} dispute ( even after a Citi dispute rep named XXXX said that he would mail the documents which I never received which Citi claims to have mailed in XXXX or XXXX ), and without justification or notice, confiscated nearly XXXX Thank You points which I rightly earned and had no expiration date. Citibank 's retaliatory actions are in bad faith and have already adversely affected my otherwise excellent credit history b/c it closed accts without even discussing anything w/ me.
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| 01/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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CITIBANK reported an unpaid balance on one of my credit cards to the three credit Bureaus which lowered my credit scores on all 3 bureaus. The total reported balance is regarding an invalid charge which I disputed with CITIBANK.
I was charged twice for a merchandize Airline ticket after an international Airline Carrier canceled the first ticket due to a mistake from one of their agents ( Airline admitted it was a system/Agent mistake ). After this mistake, the merchant ( Airline ) charged my card again for the amount of {$2600.00} for a full fair replacement ticket. I disputed the charge with CITIBANK. However ; the merchant ( Airline ) claimed that they never charged me for a new replacement ticket. In XX/XX/2017, I received a letter from CITIBANK stating that the charge was valid and that they require further information from me to prove my claim. I provided CITIBANK with a receipt that shows the initial charge of ( {$340.00} ) on the original ticket and the new ( disputed ) charge of {$2600.00} for the replacement ticket. Additionally, I provided CITIBANK with an internal document which I received from the CEO of the Airline that shows clear evidence that the airline agent made a mistake and the solution is to issue a free replacement ticket to the passenger.
Unfortunately, CITIBANK failed to question the merchant ( Airline ) about the discrepancy of why I was charged twice for the same ticket. In addition, CITIBANK failed to meet the deadline to file for arbitration according to MasterCards regulations. MasterCards regulations allow the issuer bank to use message reason code XXXX which is applicable in my case. CITIBANK is refusing to provide me with any explanation to whether I proved my case or not. Instead, CITIBANKs letters stated that they are unable to help me in my dispute and that I would have to seek other means to obtain credit, or to contact the merchant directly ( which I already did ). Reality is, CITIBANK is required by law to investigate disputed charges according to Fair Credit Billing Act of 1975, and CITIBANK is obligated to file for arbitration according to MasterCards regulations but they failed to do so.
Moreover, during my communications with CITIBANK over the phone and mail, it was made clear to me that CITIBANK has a huge failure in their system integrity. I strongly believe I lost this dispute due to mishandling and negligence on CITIBANKs side. I listed some of those points in my letters to them ( File Two pages 10-12 ) as well as a separate document ( File one pages 8-11 ). Both files are attached with this complaint.
Im attaching the following documents with this complaint : 1. Case details and timeline ( pdf file ) 2. File one ( pdf file ) which has the following : The Airline Centre internal Document, which was sent to me in email from CEO of the Airline ( This document states that the Airline agent made a mistake and as a result the Airline will issue a new replacement I '' class ticket for PAX ( passenger ) Free. ( Page 1 ) Airline response to the first chargeback claiming that they never charged me for a new replacement ticket. ( Page 2 ) The original ticket receipt for the amount of ( {$340.00} ) ( Pages 4-7 ) Indications of failure in CITIBANKs Dispute Department ( Page 8-11 ) 3. File Two ( pdf file ) which has a copies of all the exchange letters between me and CITIBANK.
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| 11/08/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
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I was on the Home depot credit services web site looking at credit rates.
They state 16.99 % to 27.99 %. They are high but the card has great incentives so I use it. For example no interest for 12mts etc.
I checked my rate which was 26.99 %. I have exceptional credit and I've had this card for 5 or 6 years and managed it well so I figure why wouldn't I qualify for a better rate?
I inquired.
And I was rejected based on my credit history which I've already stated is basically perfect at all three credit agencies. I wondered, with practically perfect credit, why I wouldn't be eligible for a better rate? Which leads me to believe that a better rate doesn't actually exist.
If it doesn't then by offering the possibility of a lower rate is misleading and dishonest.
I don't know if being dishonest is illegal but I did want to report it. It just seems like bad business and that there should be consumer protection for falsifying information concerning contractual agreements such as the interest rate available for qualifying individuals.
Note that I had no balance with this card when I contacted them yet their reply mostly spoke about how to pay down a bill and minimize interest payments. It was clearly a roboreply with no intent to look into any reduction for any customer.
my email to the company is as follows : I would like to utilize the Home depot card for future business and several large projects but I find that the 25.99 interest rate is too expensive to be practical. Your documentation indicates that you make interest rates as low as 17.99 which is still remarkably high but palatable considering certain promotions that are offered. My credit is exceptionally good and always has been, and I am certain that I have always been current on my payments. I see no reason that I would not qualify for your best rate. Instead, I have your worst rate at 25.99. If you can reduce my rate to 17.99 I would prefer to conduct my small business matters using my Home Depot credit card in the future.
The companies reply to me : We received your recent inquiry regarding your account.
We have reviewed your account for a possible lower Annual Percentage Rate ( APR ). We periodically review all our customer accounts for credit worthiness and account activity. We do not base our credit decisions on just your account history with The Home Depot ; we look at your entire credit profile. Unfortunately, at this time we are unable to offer you a lower APR. We would like to share some tips that can help minimize the interest charged to your account each month.
You are always welcome to make payments over the minimum due to help reduce the amount of interest billed each month. There is no penalty for paying the outstanding balance being assessed interest charges in full.
By making your payment earlier in the billing cycle, it can help reduce the average daily balance and help decrease the amount of interest charged each month.
Your statement also shows how much to pay in order to pay off your current balance in 3 years.
By consistently paying your account balance in full each month, by the due date, interest charges can be avoided altogether.
If you have further questions or concerns, please contact us. We thank you for your business and the opportunity to serve you.
We regret any inconvenience or difficulty this may have caused you.
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| 01/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have been Citibank clients more than 5 years. I had a good relationship as a customer so far and my credit score was almost 700 above or less for long time.
But unfortunately because of my wifes medical purpose we had to spend almost {$21000.00} out of our pocket in the end of year XXXX and we both became economically broke down from then and our credit scores down to almost 500 below within next few months! In this terrible situation I have been tried to keep my payment on time but obviously I couldnt make it every time and missed payment because of poor economical condition. From than my credit card payment became irregular and fell in bad debt.
Unfortunately I had 2 credit cards with Citibank, one is XXXX XXXX and another one is XXXX. In fact, I am trying to become regular in payment from XX/XX/XXXX and contacted with Citicards Customer Service and later Collection Department, settled down an arrangement for both credit cards that my monthly payment will be {$140.00} for XXXX XXXX for 6 months ( XXXX of every month ) with the same APR and Late fees ; and after 6 months another arrangement so on.
At the same time Collection Department settled down an arrangement for XXXX that {$110.00} for 60 months ( XXXX of every month ) to recover my balances I have to pay {$6900.00}. I appreciated.
Arrangement was made that both of payments will go thru Auto Payment System and from my linked Checking Account. I agreed with XXXX XXXX XXXX and of course Customer Service has the record what was our conversation in the beginning of XX/XX/XXXX. Arrangement made probably in between XX/XX/XXXX and XX/XX/XXXX. Again spoke with Customer service ( XXXX ) on XX/XX/XXXX when I saw there was nothing change as per arrangement made and again spoke with Customer service ( XXXX ) Customer service on XX/XX/XXXX regarding that same issue that still I didnt see any amount change in my linked Checking Account or XXXX Credit Card!!! I have spent lot of time regarding that issue.
I have no complaint about XXXX XXXX Credit Card, it is going as we made a deal. But I have complaint about the XXXX Credit Card that supposed to start activity from XX/XX/XXXX and the said amount was available in my Checking Account ( {$490.00} ) from XXXX to XXXX of XXXX, XXXX. And of course I should mention that, I am not able to see my present balance even any activity as they blocked my access. I have no any access since mid of XXXX to see anything about XXXX Credit Card!!!
I talked with Citicards Collection Department and they didnt give me any satisfactory answer but they said that, now they dont have any access to see my account because it is now in the Recovery Department matter. They provided me phone number ( XXXX ) to contact with them, but unfortunately I tried several times with entering my SSN and Account number, but their machine language was replying always like You entered was not recognized. Spoke with XXXX, XXXX and 2 more Customer service people on XX/XX/XXXX for long time but they couldnt able to give me any suitable answer yet what is going on.
In conclusion, I am still agree with the arrangement what Collection Dept offered me in early of XX/XX/XXXX that {$110.00} for 60 months ( Auto payment from my Checking account, XXXX of every month ) and it is altogether {$6900.00}.
I am looking for a reasonable solution regarding that issue.
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| 04/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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I disputed a {$5900.00} charge made on XX/XX/XXXX from XXXX XXXX for a XXXX XXXX XXXX on a vehicle i had purchased. Dispute XXXX. The service contract i received via email & also the hard copy in the mail was not readable because the right side of every line on 11 page contract was cut off & couldn't be read. I communicated with XXXX XXXX on many emails & finally told them i was disputing this charge with Citi Visa to get my {$5900.00} refunded. XXXX XXXX discussed this with their Gen Mgr & CFO & agreed not to challenge my dispute & allow a chargeback from Citi bank to occur. They said they cancelled the contract & i submitted all this info to Citi. Meanwhile i found another vendor & bought this same contract from them & received a fully legible copy of the contract w/o issue. Meanwhile i have 2 charges on my account.
I disputed the charge with Citi Visa & it was conditionally reversed on XX/XX/XXXX. On XX/XX/XXXX I submited info to Citi bank explaining what happend with many emails as attachments between XXXX XXXX & I. This included the response from XXXX XXXX that they would not content/challenge my dispute of the charge and would allow the chargeback to proceed without issue and info that showed they cancelled the contract.
On XXXX Citi Visa told me on a statement i viewed online ( after i called them ) that said they could not read my emails. They said they found the charge to be appropriate & subsequently reversed the conditional credit and re-charged my account. I immediately wrote a letter contesting this recharge of {$5900.00}. to my account and again explained that the vendor XXXX XXXX had agreed to let the dispute charge be reversed since they cancelled the contract and attached the relevant email from XXXX. I again disputed the {$5900.00} charge. I followed up with 2 phone calls to Visa dispute section explaining this and challenging their determination. I also challenged their process explaining that if they could not read the 3 emails & many attachments i submitted to support my dispute, why/how they determined that my case was closed and re-instated the charge. I said an appropriate response from Citi would have been to contact me to say they could not read the info- not merely considered the dispute resolved & rechrging my account.
I subsequently sent by mail copies of everything again & they acknowledged receipt of my mail. Meanwhile my XXXX statement closed on XX/XX/XXXX with the {$5900.00}. charge reversed & on my statement again saying " the conditional credit was reversed since it was determined to be a valid charge ''.
Why would Citi reinstate the charge because you couldn't read my email instead of contacting me to indicate a problem.
XXXX XXXX has indicated that they will not contest my dispute & will allow the chargeback of {$5900.00} to occur without any issue. The vendor has agreed with my dispute to allow a chargeback to occur and not contest it- However apparently Citi considers this issue resolved and will not initiate a chargeback. I do not understand why this charge was re-instated & contest this reinstatement. The company XXXX XXXX through-XXXX XXXX & their CFO & General Mgr has told me they will allow the chargeback to occur without protest/contesting it as a way of cancelling the XXXX Contract.
Why was this charge re-instated on XXXX & when will it be taken off my account.
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